Home > Bank of Sun Prairie > Performance and Condition Ratios
Bank of Sun Prairie, 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 | 4.8670% | 2,349 |
| Cost of funding earning assets | 2.2276% | 611 |
| Net interest margin | 2.6394% | 3,915 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.2090% | 3,094 |
| Loan and lease loss provision to assets | 0.2600% | 435 |
| Net operating income to assets | 0.3628% | 3,938 |
| Return on assets (ROA) | 0.3398% | 3,970 |
| Pretax return on assets | 0.3888% | 3,980 |
| Return on Equity (ROE) | 3.9200% | 3,897 |
| Retained earnings to average equity (ytd only) | 1.4475% | 3,723 |
| Net charge-offs to loans | 0.1357% | 736 |
| Credit loss provision to net charge-offs | 214.9412% | 1,170 |
| Earnings coverage of net charge-offs (x) | 5.5812% | 2,520 |
| Efficiency ratio | 76.3646% | 1,217 |
| Assets per employee ($millions) | 8.2428% | 1,310 |
| Cash dividends to net income (ytd only)* | 63.0499% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 2,007 |
| Loan loss allowance to noncurrent loans | 6,666.1290% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 3,635 |
| Noncurrent loans to loans | 0.0188% | 3,607 |
| Net loans and leases to total assets | 86.9700% | 119 |
| Net loans and leases to deposits | 104.3579% | 344 |
| Net loans and leases to core deposits | 119.1490% | 649 |
| Total domestic deposits to total assets | 83.3400% | 2,796 |
| Equity capital to assets | 8.6973% | 2,905 |
| Core capital (leverage) ratio | 9.1880% | 3,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3144% | 2,756 |
| Memoranda: | ||
| Average total assets | $702,498,400 | 1,310 |
| Average earning assets | $669,098,000 | 1,281 |
| Average equity | $60,932,800 | 1,381 |
| Average total loans | $626,406,600 | 1,062 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7947% | 2,279 |
| Cost of funding earning assets | 2.0806% | 618 |
| Net interest margin | 2.7141% | 3,864 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.2550% | 2,936 |
| Loan and lease loss provision to assets | 0.3100% | 298 |
| Net operating income to assets | 0.3594% | 4,031 |
| Return on assets (ROA) | 0.3278% | 4,090 |
| Pretax return on assets | 0.3715% | 4,092 |
| Return on Equity (ROE) | 3.7800% | 4,012 |
| Retained earnings to average equity (ytd only) | 0.9623% | 3,960 |
| Net charge-offs to loans | 0.0037% | 2,370 |
| Credit loss provision to net charge-offs | 9,582.3529% | 53 |
| Earnings coverage of net charge-offs (x) | 219.9412% | 554 |
| Efficiency ratio | 75.5302% | 1,220 |
| Assets per employee ($millions) | 8.0248% | 1,334 |
| Cash dividends to net income (ytd only)* | 74.5583% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 1,612 |
| Loan loss allowance to noncurrent loans | 1,055.8719% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.1167% | 2,790 |
| Noncurrent loans to loans | 0.1291% | 2,906 |
| Net loans and leases to total assets | 89.2100% | 50 |
| Net loans and leases to deposits | 107.9406% | 246 |
| Net loans and leases to core deposits | 127.2632% | 387 |
| Total domestic deposits to total assets | 82.6500% | 3,081 |
| Equity capital to assets | 8.1158% | 2,972 |
| Core capital (leverage) ratio | 8.9157% | 3,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8708% | 2,844 |
| Memoranda: | ||
| Average total assets | $690,599,500 | 1,319 |
| Average earning assets | $658,713,500 | 1,290 |
| Average equity | $59,856,500 | 1,386 |
| Average total loans | $617,851,500 | 1,069 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7299% | 2,150 |
| Cost of funding earning assets | 1.8907% | 623 |
| Net interest margin | 2.8392% | 3,758 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.2622% | 2,910 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 0.5102% | 3,788 |
| Return on assets (ROA) | 0.4670% | 3,881 |
| Pretax return on assets | 0.5932% | 3,816 |
| Return on Equity (ROE) | 5.2700% | 3,850 |
| Retained earnings to average equity (ytd only) | 2.4423% | 3,613 |
| Net charge-offs to loans | 0.0056% | 2,049 |
| Credit loss provision to net charge-offs | 4,611.7647% | 118 |
| Earnings coverage of net charge-offs (x) | 175.7059% | 674 |
| Efficiency ratio | 71.8232% | 1,575 |
| Assets per employee ($millions) | 7.6619% | 1,498 |
| Cash dividends to net income (ytd only)* | 53.6524% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2634% | 2,111 |
| Loan loss allowance to noncurrent loans | 5,517.8082% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 3,624 |
| Noncurrent loans to loans | 0.0229% | 3,597 |
| Net loans and leases to total assets | 88.3600% | 72 |
| Net loans and leases to deposits | 114.7253% | 140 |
| Net loans and leases to core deposits | 126.1467% | 383 |
| Total domestic deposits to total assets | 77.0200% | 3,951 |
| Equity capital to assets | 8.5111% | 2,853 |
| Core capital (leverage) ratio | 9.1870% | 3,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0639% | 2,837 |
| Memoranda: | ||
| Average total assets | $680,055,667 | 1,327 |
| Average earning assets | $648,221,667 | 1,300 |
| Average equity | $60,270,333 | 1,383 |
| Average total loans | $606,061,333 | 1,073 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6228% | 2,028 |
| Cost of funding earning assets | 1.6334% | 659 |
| Net interest margin | 2.9893% | 3,628 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.3043% | 2,800 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 0.6574% | 3,564 |
| Return on assets (ROA) | 0.5688% | 3,718 |
| Pretax return on assets | 0.7315% | 3,602 |
| Return on Equity (ROE) | 6.2800% | 3,656 |
| Retained earnings to average equity (ytd only) | 3.3620% | 3,418 |
| Net charge-offs to loans | 0.0122% | 1,496 |
| Credit loss provision to net charge-offs | 1,833.3333% | 219 |
| Earnings coverage of net charge-offs (x) | 96.1111% | 805 |
| Efficiency ratio | 68.6532% | 1,900 |
| Assets per employee ($millions) | 7.5446% | 1,594 |
| Cash dividends to net income (ytd only)* | 46.5042% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2555% | 2,263 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 88.0400% | 71 |
| Net loans and leases to deposits | 109.1477% | 199 |
| Net loans and leases to core deposits | 120.7953% | 415 |
| Total domestic deposits to total assets | 80.6600% | 3,683 |
| Equity capital to assets | 8.8720% | 2,612 |
| Core capital (leverage) ratio | 9.6869% | 3,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1793% | 2,920 |
| Memoranda: | ||
| Average total assets | $663,806,500 | 1,379 |
| Average earning assets | $632,782,000 | 1,336 |
| Average equity | $60,082,500 | 1,392 |
| Average total loans | $590,263,000 | 1,103 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0685% | 1,546 |
| Cost of funding earning assets | 0.5882% | 947 |
| Net interest margin | 3.4803% | 1,991 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.3793% | 2,479 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.9430% | 2,802 |
| Return on assets (ROA) | 0.9430% | 2,744 |
| Pretax return on assets | 1.2414% | 2,306 |
| Return on Equity (ROE) | 9.3300% | 3,024 |
| Retained earnings to average equity (ytd only) | 5.9391% | 2,667 |
| Net charge-offs to loans | -0.0070% | 3,705 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.8879% | 2,512 |
| Assets per employee ($millions) | 7.0500% | 1,936 |
| Cash dividends to net income (ytd only)* | 36.3767% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 2,061 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 87.5500% | 88 |
| Net loans and leases to deposits | 98.3796% | 502 |
| Net loans and leases to core deposits | 106.3500% | 736 |
| Total domestic deposits to total assets | 88.9900% | 1,721 |
| Equity capital to assets | 9.2388% | 2,201 |
| Core capital (leverage) ratio | 10.0821% | 2,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4675% | 2,871 |
| Memoranda: | ||
| Average total assets | $590,039,000 | 1,511 |
| Average earning assets | $563,051,000 | 1,471 |
| Average equity | $59,604,800 | 1,411 |
| Average total loans | $512,998,200 | 1,157 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9480% | 1,363 |
| Cost of funding earning assets | 0.3922% | 1,347 |
| Net interest margin | 3.5558% | 1,502 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.4474% | 2,171 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.9280% | 2,766 |
| Return on assets (ROA) | 0.9280% | 2,733 |
| Pretax return on assets | 1.2193% | 2,293 |
| Return on Equity (ROE) | 8.9700% | 3,039 |
| Retained earnings to average equity (ytd only) | 5.5706% | 2,903 |
| Net charge-offs to loans | -0.0096% | 3,697 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.3363% | 2,499 |
| Assets per employee ($millions) | 6.6114% | 2,231 |
| Cash dividends to net income (ytd only)* | 37.9026% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3397% | 1,845 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 88.2500% | 56 |
| Net loans and leases to deposits | 100.5788% | 345 |
| Net loans and leases to core deposits | 107.0848% | 559 |
| Total domestic deposits to total assets | 87.7400% | 2,506 |
| Equity capital to assets | 9.5209% | 1,870 |
| Core capital (leverage) ratio | 10.5805% | 2,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7330% | 2,884 |
| Memoranda: | ||
| Average total assets | $575,398,250 | 1,559 |
| Average earning assets | $549,367,250 | 1,512 |
| Average equity | $59,525,250 | 1,431 |
| Average total loans | $497,464,500 | 1,178 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8413% | 1,219 |
| Cost of funding earning assets | 0.2989% | 1,723 |
| Net interest margin | 3.5424% | 1,200 |
| Noninterest income to average assets | 0.4263% | 2,591 |
| Noninterest expense to average assets | 2.4488% | 2,083 |
| Loan and lease loss provision to assets | 0.1541% | 609 |
| Net operating income to assets | 0.9163% | 2,512 |
| Return on assets (ROA) | 0.9163% | 2,478 |
| Pretax return on assets | 1.2044% | 2,064 |
| Return on Equity (ROE) | 8.6109% | 2,825 |
| Retained earnings to average equity (ytd only) | 5.2411% | 2,616 |
| Net charge-offs to loans | -0.0149% | 3,760 |
| Credit loss provision to net charge-offs | -1,208.3333% | 3,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1135% | 2,756 |
| Assets per employee ($millions) | 6.7402% | 2,128 |
| Cash dividends to net income (ytd only)* | 39.1338% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 1,698 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 86.4279% | 76 |
| Net loans and leases to deposits | 98.2331% | 334 |
| Net loans and leases to core deposits | 101.5044% | 611 |
| Total domestic deposits to total assets | 87.9825% | 2,585 |
| Equity capital to assets | 10.1910% | 1,591 |
| Core capital (leverage) ratio | 11.0772% | 1,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3975% | 2,703 |
| Memoranda: | ||
| Average total assets | $564,447,333 | 1,591 |
| Average earning assets | $538,725,667 | 1,559 |
| Average equity | $60,063,333 | 1,435 |
| Average total loans | $481,927,333 | 1,202 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6043% | 1,496 |
| Cost of funding earning assets | 0.2801% | 1,820 |
| Net interest margin | 3.3242% | 1,515 |
| Noninterest income to average assets | 0.4188% | 2,566 |
| Noninterest expense to average assets | 2.4280% | 2,079 |
| Loan and lease loss provision to assets | -0.0467% | 4,509 |
| Net operating income to assets | 0.9231% | 2,187 |
| Return on assets (ROA) | 0.9231% | 2,181 |
| Pretax return on assets | 1.2169% | 1,748 |
| Return on Equity (ROE) | 8.4877% | 2,516 |
| Retained earnings to average equity (ytd only) | 5.1454% | 2,535 |
| Net charge-offs to loans | -0.0085% | 3,524 |
| Credit loss provision to net charge-offs | 650.0000% | 442 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4785% | 2,568 |
| Assets per employee ($millions) | 6.4170% | 2,440 |
| Cash dividends to net income (ytd only)* | 39.3774% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4351% | 1,778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 82.8598% | 126 |
| Net loans and leases to deposits | 94.4949% | 338 |
| Net loans and leases to core deposits | 97.1165% | 608 |
| Total domestic deposits to total assets | 87.6870% | 2,669 |
| Equity capital to assets | 10.9289% | 1,367 |
| Core capital (leverage) ratio | 10.9576% | 1,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0313% | 2,599 |
| Memoranda: | ||
| Average total assets | $556,840,500 | 1,610 |
| Average earning assets | $532,581,000 | 1,580 |
| Average equity | $60,558,500 | 1,471 |
| Average total loans | $468,804,500 | 1,221 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0385% | 1,266 |
| Cost of funding earning assets | 0.3725% | 1,738 |
| Net interest margin | 3.6661% | 1,298 |
| Noninterest income to average assets | 0.7513% | 1,590 |
| Noninterest expense to average assets | 2.6646% | 1,726 |
| Loan and lease loss provision to assets | 0.1853% | 606 |
| Net operating income to assets | 1.0471% | 2,490 |
| Return on assets (ROA) | 1.0471% | 2,567 |
| Pretax return on assets | 1.3846% | 2,097 |
| Return on Equity (ROE) | 9.3782% | 2,766 |
| Retained earnings to average equity (ytd only) | 5.8497% | 2,421 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9259% | 2,724 |
| Assets per employee ($millions) | 6.6096% | 2,230 |
| Cash dividends to net income (ytd only)* | 37.6247% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4172% | 1,854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 83.1169% | 144 |
| Net loans and leases to deposits | 96.2078% | 305 |
| Net loans and leases to core deposits | 98.9305% | 580 |
| Total domestic deposits to total assets | 86.3930% | 2,762 |
| Equity capital to assets | 10.8228% | 1,924 |
| Core capital (leverage) ratio | 11.0717% | 1,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3031% | 2,820 |
| Memoranda: | ||
| Average total assets | $526,712,200 | 1,634 |
| Average earning assets | $500,456,200 | 1,606 |
| Average equity | $58,806,400 | 1,533 |
| Average total loans | $431,990,200 | 1,301 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1327% | 1,233 |
| Cost of funding earning assets | 0.3877% | 1,795 |
| Net interest margin | 3.7450% | 1,234 |
| Noninterest income to average assets | 0.8052% | 1,507 |
| Noninterest expense to average assets | 2.6852% | 1,628 |
| Loan and lease loss provision to assets | 0.2049% | 499 |
| Net operating income to assets | 1.1062% | 2,533 |
| Return on assets (ROA) | 1.1062% | 2,589 |
| Pretax return on assets | 1.4655% | 2,095 |
| Return on Equity (ROE) | 9.8259% | 2,799 |
| Retained earnings to average equity (ytd only) | 6.1146% | 2,771 |
| Net charge-offs to loans | 0.0149% | 1,789 |
| Credit loss provision to net charge-offs | 1,693.6170% | 367 |
| Earnings coverage of net charge-offs (x) | 138.0638% | 711 |
| Efficiency ratio | 61.6489% | 2,751 |
| Assets per employee ($millions) | 6.6608% | 2,131 |
| Cash dividends to net income (ytd only)* | 37.7705% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 1,791 |
| Loan loss allowance to noncurrent loans | 162,150.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,297 |
| Noncurrent loans to loans | 0.0009% | 4,226 |
| Net loans and leases to total assets | 82.3734% | 169 |
| Net loans and leases to deposits | 94.3440% | 404 |
| Net loans and leases to core deposits | 97.3497% | 683 |
| Total domestic deposits to total assets | 87.3118% | 2,207 |
| Equity capital to assets | 11.2381% | 1,864 |
| Core capital (leverage) ratio | 11.2740% | 1,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7771% | 2,784 |
| Memoranda: | ||
| Average total assets | $517,936,500 | 1,666 |
| Average earning assets | $491,027,750 | 1,643 |
| Average equity | $58,307,000 | 1,571 |
| Average total loans | $421,568,750 | 1,343 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9293% | 1,745 |
| Cost of funding earning assets | 0.4000% | 1,887 |
| Net interest margin | 3.5293% | 1,774 |
| Noninterest income to average assets | 0.7377% | 1,693 |
| Noninterest expense to average assets | 2.4766% | 2,219 |
| Loan and lease loss provision to assets | 0.1450% | 829 |
| Net operating income to assets | 1.0972% | 2,563 |
| Return on assets (ROA) | 1.0972% | 2,630 |
| Pretax return on assets | 1.4527% | 2,162 |
| Return on Equity (ROE) | 9.7402% | 2,862 |
| Retained earnings to average equity (ytd only) | 5.6904% | 2,923 |
| Net charge-offs to loans | 0.0213% | 1,519 |
| Credit loss provision to net charge-offs | 845.4545% | 519 |
| Earnings coverage of net charge-offs (x) | 93.1364% | 781 |
| Efficiency ratio | 60.7847% | 2,898 |
| Assets per employee ($millions) | 6.8337% | 1,922 |
| Cash dividends to net income (ytd only)* | 41.5778% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4468% | 1,784 |
| Loan loss allowance to noncurrent loans | 191.4457% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.5868% | 1,421 |
| Noncurrent loans to loans | 0.7557% | 1,590 |
| Net loans and leases to total assets | 76.5270% | 544 |
| Net loans and leases to deposits | 87.3079% | 827 |
| Net loans and leases to core deposits | 90.7884% | 1,083 |
| Total domestic deposits to total assets | 87.6518% | 2,016 |
| Equity capital to assets | 10.8883% | 2,079 |
| Core capital (leverage) ratio | 11.4473% | 1,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4669% | 2,555 |
| Memoranda: | ||
| Average total assets | $512,960,000 | 1,668 |
| Average earning assets | $484,968,333 | 1,650 |
| Average equity | $57,781,333 | 1,576 |
| Average total loans | $413,616,333 | 1,371 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9275% | 1,762 |
| Cost of funding earning assets | 0.4371% | 1,821 |
| Net interest margin | 3.4904% | 1,849 |
| Noninterest income to average assets | 0.9105% | 1,299 |
| Noninterest expense to average assets | 2.5409% | 2,053 |
| Loan and lease loss provision to assets | 0.0841% | 1,551 |
| Net operating income to assets | 1.1251% | 2,401 |
| Return on assets (ROA) | 1.1251% | 2,472 |
| Pretax return on assets | 1.4895% | 2,026 |
| Return on Equity (ROE) | 9.8112% | 2,755 |
| Retained earnings to average equity (ytd only) | 7.5138% | 2,407 |
| Net charge-offs to loans | 0.0156% | 1,432 |
| Credit loss provision to net charge-offs | 656.2500% | 532 |
| Earnings coverage of net charge-offs (x) | 122.8125% | 541 |
| Efficiency ratio | 61.7555% | 2,799 |
| Assets per employee ($millions) | 6.4253% | 2,234 |
| Cash dividends to net income (ytd only)* | 23.4164% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3952% | 1,979 |
| Loan loss allowance to noncurrent loans | 182.1194% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.6302% | 1,507 |
| Noncurrent loans to loans | 0.7661% | 1,707 |
| Net loans and leases to total assets | 81.1176% | 276 |
| Net loans and leases to deposits | 93.0951% | 538 |
| Net loans and leases to core deposits | 97.0566% | 840 |
| Total domestic deposits to total assets | 87.1342% | 2,263 |
| Equity capital to assets | 11.3844% | 1,613 |
| Core capital (leverage) ratio | 11.6461% | 1,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0339% | 2,281 |
| Memoranda: | ||
| Average total assets | $499,508,500 | 1,699 |
| Average earning assets | $458,513,000 | 1,718 |
| Average equity | $57,281,500 | 1,580 |
| Average total loans | $411,160,500 | 1,379 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3934% | 1,609 |
| Cost of funding earning assets | 0.7982% | 1,219 |
| Net interest margin | 3.5952% | 2,155 |
| Noninterest income to average assets | 1.2381% | 731 |
| Noninterest expense to average assets | 3.0612% | 1,302 |
| Loan and lease loss provision to assets | 0.2148% | 1,829 |
| Net operating income to assets | 1.0192% | 2,222 |
| Return on assets (ROA) | 1.0316% | 2,318 |
| Pretax return on assets | 1.3600% | 1,784 |
| Return on Equity (ROE) | 8.9423% | 2,421 |
| Retained earnings to average equity (ytd only) | 4.6848% | 2,430 |
| Net charge-offs to loans | 0.0226% | 2,598 |
| Credit loss provision to net charge-offs | 1,134.8315% | 709 |
| Earnings coverage of net charge-offs (x) | 82.4607% | 881 |
| Efficiency ratio | 66.2559% | 2,491 |
| Assets per employee ($millions) | 5.9207% | 2,410 |
| Cash dividends to net income (ytd only)* | 47.6112% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4172% | 1,904 |
| Loan loss allowance to noncurrent loans | 165.4934% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.7053% | 1,478 |
| Noncurrent loans to loans | 0.8563% | 1,651 |
| Net loans and leases to total assets | 81.1950% | 351 |
| Net loans and leases to deposits | 93.4705% | 690 |
| Net loans and leases to core deposits | 97.7939% | 1,016 |
| Total domestic deposits to total assets | 86.8670% | 2,003 |
| Equity capital to assets | 11.5535% | 1,845 |
| Core capital (leverage) ratio | 11.5715% | 1,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8451% | 2,302 |
| Memoranda: | ||
| Average total assets | $470,725,400 | 1,636 |
| Average earning assets | $442,845,400 | 1,614 |
| Average equity | $54,303,600 | 1,573 |
| Average total loans | $394,135,800 | 1,380 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4965% | 1,579 |
| Cost of funding earning assets | 0.8796% | 1,138 |
| Net interest margin | 3.6169% | 2,218 |
| Noninterest income to average assets | 1.2386% | 715 |
| Noninterest expense to average assets | 3.0804% | 1,270 |
| Loan and lease loss provision to assets | 0.2537% | 1,603 |
| Net operating income to assets | 1.0008% | 2,336 |
| Return on assets (ROA) | 1.0175% | 2,398 |
| Pretax return on assets | 1.3406% | 1,905 |
| Return on Equity (ROE) | 8.8240% | 2,468 |
| Retained earnings to average equity (ytd only) | 4.5300% | 2,783 |
| Net charge-offs to loans | 0.0804% | 1,499 |
| Credit loss provision to net charge-offs | 375.4237% | 1,530 |
| Earnings coverage of net charge-offs (x) | 23.2754% | 1,802 |
| Efficiency ratio | 66.1948% | 2,446 |
| Assets per employee ($millions) | 6.0831% | 2,193 |
| Cash dividends to net income (ytd only)* | 48.6631% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 2,166 |
| Loan loss allowance to noncurrent loans | 167.4020% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.7460% | 1,558 |
| Noncurrent loans to loans | 0.7752% | 1,877 |
| Net loans and leases to total assets | 84.3420% | 248 |
| Net loans and leases to deposits | 98.5787% | 592 |
| Net loans and leases to core deposits | 103.7298% | 943 |
| Total domestic deposits to total assets | 85.5581% | 2,235 |
| Equity capital to assets | 11.3092% | 2,143 |
| Core capital (leverage) ratio | 11.3696% | 1,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0119% | 2,193 |
| Memoranda: | ||
| Average total assets | $465,552,500 | 1,634 |
| Average earning assets | $439,561,000 | 1,606 |
| Average equity | $53,685,500 | 1,575 |
| Average total loans | $391,484,250 | 1,379 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2047% | 2,743 |
| Cost of funding earning assets | 0.9827% | 1,037 |
| Net interest margin | 3.2220% | 3,602 |
| Noninterest income to average assets | 1.1825% | 711 |
| Noninterest expense to average assets | 3.0945% | 1,369 |
| Loan and lease loss provision to assets | 0.2502% | 1,680 |
| Net operating income to assets | 0.6789% | 3,469 |
| Return on assets (ROA) | 0.7045% | 3,487 |
| Pretax return on assets | 0.9100% | 3,284 |
| Return on Equity (ROE) | 6.0672% | 3,482 |
| Retained earnings to average equity (ytd only) | 1.7243% | 3,863 |
| Net charge-offs to loans | 0.1258% | 1,091 |
| Credit loss provision to net charge-offs | 237.9167% | 1,783 |
| Earnings coverage of net charge-offs (x) | 10.7250% | 2,134 |
| Efficiency ratio | 73.2904% | 1,533 |
| Assets per employee ($millions) | 6.0868% | 2,105 |
| Cash dividends to net income (ytd only)* | 71.5796% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 2,320 |
| Loan loss allowance to noncurrent loans | 106.6308% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 1.0803% | 1,063 |
| Noncurrent loans to loans | 1.1602% | 1,356 |
| Net loans and leases to total assets | 83.3214% | 308 |
| Net loans and leases to deposits | 97.2708% | 707 |
| Net loans and leases to core deposits | 103.4432% | 1,039 |
| Total domestic deposits to total assets | 85.6591% | 2,139 |
| Equity capital to assets | 10.9859% | 2,356 |
| Core capital (leverage) ratio | 11.4515% | 1,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8646% | 2,239 |
| Memoranda: | ||
| Average total assets | $456,492,333 | 1,637 |
| Average earning assets | $430,660,333 | 1,615 |
| Average equity | $53,006,000 | 1,580 |
| Average total loans | $381,630,667 | 1,390 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4170% | 2,559 |
| Cost of funding earning assets | 1.0977% | 1,052 |
| Net interest margin | 3.3193% | 3,547 |
| Noninterest income to average assets | 0.5203% | 2,443 |
| Noninterest expense to average assets | 2.6279% | 2,898 |
| Loan and lease loss provision to assets | 0.3240% | 956 |
| Net operating income to assets | 0.5500% | 3,739 |
| Return on assets (ROA) | 0.6033% | 3,643 |
| Pretax return on assets | 0.7686% | 3,494 |
| Return on Equity (ROE) | 5.0432% | 3,618 |
| Retained earnings to average equity (ytd only) | 1.7167% | 3,541 |
| Net charge-offs to loans | -0.0066% | 3,939 |
| Credit loss provision to net charge-offs | -5,916.6667% | 3,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9390% | 2,083 |
| Assets per employee ($millions) | 5.5189% | 2,100 |
| Cash dividends to net income (ytd only)* | 65.9607% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 1,693 |
| Loan loss allowance to noncurrent loans | 100.1936% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 1.3216% | 879 |
| Noncurrent loans to loans | 1.3991% | 1,141 |
| Net loans and leases to total assets | 83.5001% | 301 |
| Net loans and leases to deposits | 101.7846% | 453 |
| Net loans and leases to core deposits | 109.5199% | 875 |
| Total domestic deposits to total assets | 82.0361% | 3,415 |
| Equity capital to assets | 11.7287% | 2,262 |
| Core capital (leverage) ratio | 12.8965% | 1,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5370% | 2,063 |
| Memoranda: | ||
| Average total assets | $438,222,500 | 1,654 |
| Average earning assets | $413,587,000 | 1,627 |
| Average equity | $52,427,000 | 1,588 |
| Average total loans | $364,472,500 | 1,404 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5253% | 2,861 |
| Cost of funding earning assets | 1.0404% | 1,555 |
| Net interest margin | 3.4849% | 3,496 |
| Noninterest income to average assets | 0.5480% | 2,491 |
| Noninterest expense to average assets | 2.5933% | 3,193 |
| Loan and lease loss provision to assets | 0.0714% | 2,572 |
| Net operating income to assets | 0.8931% | 3,227 |
| Return on assets (ROA) | 0.8964% | 3,302 |
| Pretax return on assets | 1.1790% | 2,914 |
| Return on Equity (ROE) | 7.3116% | 3,441 |
| Retained earnings to average equity (ytd only) | 4.0952% | 2,925 |
| Net charge-offs to loans | 0.1721% | 1,173 |
| Credit loss provision to net charge-offs | 49.5948% | 3,132 |
| Earnings coverage of net charge-offs (x) | 8.6613% | 2,748 |
| Efficiency ratio | 67.5433% | 2,521 |
| Assets per employee ($millions) | 5.9521% | 1,663 |
| Cash dividends to net income (ytd only)* | 43.9906% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3386% | 1,753 |
| Loan loss allowance to noncurrent loans | 90.2869% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 1.3461% | 798 |
| Noncurrent loans to loans | 1.4826% | 982 |
| Net loans and leases to total assets | 80.5762% | 718 |
| Net loans and leases to deposits | 103.4609% | 404 |
| Net loans and leases to core deposits | 113.0665% | 712 |
| Total domestic deposits to total assets | 77.8808% | 4,382 |
| Equity capital to assets | 12.1961% | 2,017 |
| Core capital (leverage) ratio | 12.5176% | 1,483 |
| Tier 1 risk-based capital ratio | 13.5312% | 3,506 |
| Total risk-based capital ratio | 14.7282% | 3,426 |
| Memoranda: | ||
| Average total assets | $428,830,400 | 1,632 |
| Average earning assets | $405,029,600 | 1,605 |
| Average equity | $52,574,200 | 1,529 |
| Average total loans | $358,590,400 | 1,386 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5465% | 2,910 |
| Cost of funding earning assets | 1.0220% | 1,670 |
| Net interest margin | 3.5245% | 3,490 |
| Noninterest income to average assets | 0.4908% | 2,789 |
| Noninterest expense to average assets | 2.5857% | 3,203 |
| Loan and lease loss provision to assets | 0.1177% | 1,661 |
| Net operating income to assets | 0.8520% | 3,512 |
| Return on assets (ROA) | 0.8565% | 3,573 |
| Pretax return on assets | 1.1235% | 3,224 |
| Return on Equity (ROE) | 6.9765% | 3,688 |
| Retained earnings to average equity (ytd only) | 3.8861% | 3,460 |
| Net charge-offs to loans | 0.1414% | 1,145 |
| Credit loss provision to net charge-offs | 98.9474% | 2,295 |
| Earnings coverage of net charge-offs (x) | 10.3869% | 2,502 |
| Efficiency ratio | 67.6661% | 2,474 |
| Assets per employee ($millions) | 5.7957% | 1,769 |
| Cash dividends to net income (ytd only)* | 44.2982% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3913% | 1,611 |
| Loan loss allowance to noncurrent loans | 93.0934% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 1.4029% | 829 |
| Noncurrent loans to loans | 1.4945% | 1,013 |
| Net loans and leases to total assets | 83.5163% | 401 |
| Net loans and leases to deposits | 103.5492% | 432 |
| Net loans and leases to core deposits | 115.5714% | 675 |
| Total domestic deposits to total assets | 80.6537% | 3,836 |
| Equity capital to assets | 12.2314% | 2,091 |
| Core capital (leverage) ratio | 12.3340% | 1,667 |
| Tier 1 risk-based capital ratio | 13.3597% | 3,652 |
| Total risk-based capital ratio | 14.6256% | 3,542 |
| Memoranda: | ||
| Average total assets | $425,924,500 | 1,652 |
| Average earning assets | $402,469,500 | 1,615 |
| Average equity | $52,288,250 | 1,540 |
| Average total loans | $358,309,000 | 1,398 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5592% | 2,807 |
| Cost of funding earning assets | 0.9857% | 1,765 |
| Net interest margin | 3.5735% | 3,356 |
| Noninterest income to average assets | 0.4615% | 2,905 |
| Noninterest expense to average assets | 2.6099% | 3,177 |
| Loan and lease loss provision to assets | 0.1069% | 1,754 |
| Net operating income to assets | 0.8582% | 3,439 |
| Return on assets (ROA) | 0.8600% | 3,495 |
| Pretax return on assets | 1.1239% | 3,163 |
| Return on Equity (ROE) | 6.9968% | 3,682 |
| Retained earnings to average equity (ytd only) | 3.8850% | 3,303 |
| Net charge-offs to loans | 0.2163% | 770 |
| Credit loss provision to net charge-offs | 58.8542% | 2,409 |
| Earnings coverage of net charge-offs (x) | 6.7656% | 2,544 |
| Efficiency ratio | 67.9970% | 2,530 |
| Assets per employee ($millions) | 5.9475% | 1,580 |
| Cash dividends to net income (ytd only)* | 44.4750% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3525% | 1,804 |
| Loan loss allowance to noncurrent loans | 239.8841% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.6143% | 2,189 |
| Noncurrent loans to loans | 0.5638% | 2,571 |
| Net loans and leases to total assets | 83.4604% | 418 |
| Net loans and leases to deposits | 101.9406% | 544 |
| Net loans and leases to core deposits | 115.2717% | 717 |
| Total domestic deposits to total assets | 81.8716% | 3,555 |
| Equity capital to assets | 12.1029% | 2,115 |
| Core capital (leverage) ratio | 12.4084% | 1,583 |
| Tier 1 risk-based capital ratio | 13.1119% | 3,777 |
| Total risk-based capital ratio | 14.3343% | 3,702 |
| Memoranda: | ||
| Average total assets | $423,007,000 | 1,667 |
| Average earning assets | $399,723,330 | 1,633 |
| Average equity | $51,995,330 | 1,538 |
| Average total loans | $355,029,330 | 1,416 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4622% | 3,003 |
| Cost of funding earning assets | 0.9578% | 1,756 |
| Net interest margin | 3.5044% | 3,579 |
| Noninterest income to average assets | 0.4389% | 2,919 |
| Noninterest expense to average assets | 2.5049% | 3,494 |
| Loan and lease loss provision to assets | 0.1073% | 1,657 |
| Net operating income to assets | 0.8902% | 3,270 |
| Return on assets (ROA) | 0.8902% | 3,324 |
| Pretax return on assets | 1.1365% | 3,022 |
| Return on Equity (ROE) | 7.1849% | 3,598 |
| Retained earnings to average equity (ytd only) | 4.0449% | 3,299 |
| Net charge-offs to loans | -0.0092% | 4,201 |
| Credit loss provision to net charge-offs | -1,400.0000% | 3,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8200% | 2,821 |
| Assets per employee ($millions) | 5.3463% | 2,127 |
| Cash dividends to net income (ytd only)* | 43.7029% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4799% | 1,396 |
| Loan loss allowance to noncurrent loans | 432.3990% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 3,452 |
| Noncurrent loans to loans | 0.3423% | 3,352 |
| Net loans and leases to total assets | 82.6720% | 507 |
| Net loans and leases to deposits | 100.2017% | 621 |
| Net loans and leases to core deposits | 109.9485% | 929 |
| Total domestic deposits to total assets | 82.5056% | 3,580 |
| Equity capital to assets | 12.3246% | 1,833 |
| Core capital (leverage) ratio | 12.6602% | 1,429 |
| Tier 1 risk-based capital ratio | 13.2589% | 3,734 |
| Total risk-based capital ratio | 14.5101% | 3,640 |
| Memoranda: | ||
| Average total assets | $417,426,000 | 1,702 |
| Average earning assets | $394,245,000 | 1,661 |
| Average equity | $51,719,500 | 1,533 |
| Average total loans | $348,880,500 | 1,446 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3084% | 3,074 |
| Cost of funding earning assets | 0.7811% | 1,633 |
| Net interest margin | 3.5273% | 3,610 |
| Noninterest income to average assets | 0.4817% | 2,934 |
| Noninterest expense to average assets | 2.5300% | 3,523 |
| Loan and lease loss provision to assets | 0.1157% | 1,901 |
| Net operating income to assets | 0.8906% | 3,468 |
| Return on assets (ROA) | 0.8928% | 3,455 |
| Pretax return on assets | 1.1486% | 3,103 |
| Return on Equity (ROE) | 6.9882% | 3,825 |
| Retained earnings to average equity (ytd only) | 4.6489% | 2,963 |
| Net charge-offs to loans | 0.0101% | 3,333 |
| Credit loss provision to net charge-offs | 1,428.1250% | 297 |
| Earnings coverage of net charge-offs (x) | 155.6563% | 549 |
| Efficiency ratio | 66.7268% | 2,744 |
| Assets per employee ($millions) | 5.4999% | 1,955 |
| Cash dividends to net income (ytd only)* | 33.4752% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4927% | 1,317 |
| Loan loss allowance to noncurrent loans | 821.3141% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.1513% | 4,074 |
| Noncurrent loans to loans | 0.1817% | 3,935 |
| Net loans and leases to total assets | 81.9937% | 650 |
| Net loans and leases to deposits | 103.5354% | 506 |
| Net loans and leases to core deposits | 108.6469% | 1,076 |
| Total domestic deposits to total assets | 79.1939% | 4,270 |
| Equity capital to assets | 12.4571% | 1,598 |
| Core capital (leverage) ratio | 12.7357% | 1,354 |
| Tier 1 risk-based capital ratio | 14.7703% | 2,932 |
| Total risk-based capital ratio | 16.0227% | 2,863 |
| Memoranda: | ||
| Average total assets | $394,823,400 | 1,738 |
| Average earning assets | $370,482,800 | 1,721 |
| Average equity | $50,442,200 | 1,511 |
| Average total loans | $318,157,000 | 1,520 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2555% | 3,132 |
| Cost of funding earning assets | 0.7511% | 1,580 |
| Net interest margin | 3.5044% | 3,685 |
| Noninterest income to average assets | 0.4932% | 2,911 |
| Noninterest expense to average assets | 2.5317% | 3,496 |
| Loan and lease loss provision to assets | 0.1523% | 1,294 |
| Net operating income to assets | 0.8545% | 3,716 |
| Return on assets (ROA) | 0.8545% | 3,724 |
| Pretax return on assets | 1.0949% | 3,420 |
| Return on Equity (ROE) | 6.6444% | 4,059 |
| Retained earnings to average equity (ytd only) | 4.2942% | 3,614 |
| Net charge-offs to loans | 0.0090% | 3,099 |
| Credit loss provision to net charge-offs | 2,123.8095% | 197 |
| Earnings coverage of net charge-offs (x) | 173.9004% | 484 |
| Efficiency ratio | 66.9950% | 2,711 |
| Assets per employee ($millions) | 5.8778% | 1,586 |
| Cash dividends to net income (ytd only)* | 35.3717% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5592% | 1,176 |
| Loan loss allowance to noncurrent loans | 740.6069% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.1706% | 4,098 |
| Noncurrent loans to loans | 0.2105% | 3,958 |
| Net loans and leases to total assets | 79.7806% | 1,054 |
| Net loans and leases to deposits | 100.1901% | 768 |
| Net loans and leases to core deposits | 109.1209% | 1,092 |
| Total domestic deposits to total assets | 79.6292% | 4,190 |
| Equity capital to assets | 12.5156% | 1,577 |
| Core capital (leverage) ratio | 13.2309% | 1,196 |
| Tier 1 risk-based capital ratio | 15.1453% | 2,819 |
| Total risk-based capital ratio | 16.3985% | 2,736 |
| Memoranda: | ||
| Average total assets | $390,405,500 | 1,765 |
| Average earning assets | $366,044,750 | 1,742 |
| Average equity | $50,206,500 | 1,521 |
| Average total loans | $311,860,000 | 1,550 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1614% | 3,235 |
| Cost of funding earning assets | 0.7205% | 1,518 |
| Net interest margin | 3.4409% | 3,830 |
| Noninterest income to average assets | 0.5024% | 2,848 |
| Noninterest expense to average assets | 2.5670% | 3,424 |
| Loan and lease loss provision to assets | 0.1391% | 1,406 |
| Net operating income to assets | 0.7920% | 3,880 |
| Return on assets (ROA) | 0.7920% | 3,881 |
| Pretax return on assets | 1.0110% | 3,630 |
| Return on Equity (ROE) | 6.1013% | 4,190 |
| Retained earnings to average equity (ytd only) | 3.7423% | 3,727 |
| Net charge-offs to loans | 0.0183% | 2,530 |
| Credit loss provision to net charge-offs | 957.1429% | 424 |
| Earnings coverage of net charge-offs (x) | 79.1429% | 828 |
| Efficiency ratio | 69.0589% | 2,476 |
| Assets per employee ($millions) | 5.6399% | 1,767 |
| Cash dividends to net income (ytd only)* | 38.6632% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 1,105 |
| Loan loss allowance to noncurrent loans | 262.2081% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.4841% | 2,824 |
| Noncurrent loans to loans | 0.6108% | 2,584 |
| Net loans and leases to total assets | 77.9911% | 1,318 |
| Net loans and leases to deposits | 100.0339% | 803 |
| Net loans and leases to core deposits | 103.4970% | 1,434 |
| Total domestic deposits to total assets | 77.9646% | 4,594 |
| Equity capital to assets | 12.9338% | 1,332 |
| Core capital (leverage) ratio | 13.1674% | 1,166 |
| Tier 1 risk-based capital ratio | 15.9442% | 2,459 |
| Total risk-based capital ratio | 17.1979% | 2,392 |
| Memoranda: | ||
| Average total assets | $385,352,000 | 1,788 |
| Average earning assets | $360,022,000 | 1,777 |
| Average equity | $50,022,330 | 1,523 |
| Average total loans | $306,250,670 | 1,570 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0754% | 3,322 |
| Cost of funding earning assets | 0.7005% | 1,440 |
| Net interest margin | 3.3749% | 3,966 |
| Noninterest income to average assets | 0.4632% | 3,038 |
| Noninterest expense to average assets | 2.4660% | 3,753 |
| Loan and lease loss provision to assets | 0.1210% | 1,558 |
| Net operating income to assets | 0.7918% | 3,736 |
| Return on assets (ROA) | 0.7918% | 3,741 |
| Pretax return on assets | 1.0171% | 3,474 |
| Return on Equity (ROE) | 6.0881% | 4,129 |
| Retained earnings to average equity (ytd only) | 3.7219% | 3,707 |
| Net charge-offs to loans | 0.0144% | 2,247 |
| Credit loss provision to net charge-offs | 1,054.5455% | 328 |
| Earnings coverage of net charge-offs (x) | 99.1818% | 613 |
| Efficiency ratio | 68.4226% | 2,764 |
| Assets per employee ($millions) | 5.3779% | 2,061 |
| Cash dividends to net income (ytd only)* | 38.8669% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5909% | 1,178 |
| Loan loss allowance to noncurrent loans | 209.5508% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.6005% | 2,513 |
| Noncurrent loans to loans | 0.7592% | 2,302 |
| Net loans and leases to total assets | 77.8410% | 1,267 |
| Net loans and leases to deposits | 98.8894% | 793 |
| Net loans and leases to core deposits | 109.6971% | 1,022 |
| Total domestic deposits to total assets | 78.7152% | 4,621 |
| Equity capital to assets | 13.0804% | 1,200 |
| Core capital (leverage) ratio | 13.0867% | 1,146 |
| Tier 1 risk-based capital ratio | 16.0086% | 2,468 |
| Total risk-based capital ratio | 17.2620% | 2,403 |
| Memoranda: | ||
| Average total assets | $383,452,500 | 1,808 |
| Average earning assets | $356,869,000 | 1,801 |
| Average equity | $49,867,500 | 1,537 |
| Average total loans | $305,154,500 | 1,578 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2066% | 2,666 |
| Cost of funding earning assets | 0.5217% | 2,162 |
| Net interest margin | 3.6849% | 2,856 |
| Noninterest income to average assets | 0.5271% | 2,835 |
| Noninterest expense to average assets | 2.5496% | 3,607 |
| Loan and lease loss provision to assets | 0.1226% | 1,867 |
| Net operating income to assets | 0.8223% | 3,068 |
| Return on assets (ROA) | 0.8454% | 2,998 |
| Pretax return on assets | 1.3431% | 2,201 |
| Return on Equity (ROE) | 6.1452% | 3,697 |
| Retained earnings to average equity (ytd only) | 4.0005% | 2,797 |
| Net charge-offs to loans | 0.3948% | 635 |
| Credit loss provision to net charge-offs | 37.8893% | 3,460 |
| Earnings coverage of net charge-offs (x) | 4.4178% | 3,472 |
| Efficiency ratio | 64.0732% | 3,592 |
| Assets per employee ($millions) | 5.5011% | 1,936 |
| Cash dividends to net income (ytd only)* | 34.9007% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5246% | 1,326 |
| Loan loss allowance to noncurrent loans | 212.7660% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.5737% | 2,634 |
| Noncurrent loans to loans | 0.7165% | 2,413 |
| Net loans and leases to total assets | 78.8376% | 1,149 |
| Net loans and leases to deposits | 100.2559% | 708 |
| Net loans and leases to core deposits | 106.7049% | 1,228 |
| Total domestic deposits to total assets | 78.6363% | 4,618 |
| Equity capital to assets | 12.9300% | 1,299 |
| Core capital (leverage) ratio | 13.5384% | 946 |
| Tier 1 risk-based capital ratio | 15.5654% | 2,598 |
| Total risk-based capital ratio | 16.8182% | 2,537 |
| Memoranda: | ||
| Average total assets | $357,226,800 | 1,882 |
| Average earning assets | $334,666,000 | 1,868 |
| Average equity | $49,144,000 | 1,540 |
| Average total loans | $292,825,200 | 1,599 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1973% | 2,627 |
| Cost of funding earning assets | 0.4632% | 2,588 |
| Net interest margin | 3.7341% | 2,643 |
| Noninterest income to average assets | 0.5335% | 2,816 |
| Noninterest expense to average assets | 2.5371% | 3,603 |
| Loan and lease loss provision to assets | 0.1168% | 1,855 |
| Net operating income to assets | 0.9113% | 2,969 |
| Return on assets (ROA) | 0.9432% | 2,877 |
| Pretax return on assets | 1.4470% | 1,955 |
| Return on Equity (ROE) | 6.7478% | 3,790 |
| Retained earnings to average equity (ytd only) | 4.6138% | 3,133 |
| Net charge-offs to loans | -0.0074% | 4,552 |
| Credit loss provision to net charge-offs | -1,918.7500% | 5,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6162% | 3,792 |
| Assets per employee ($millions) | 5.6711% | 1,756 |
| Cash dividends to net income (ytd only)* | 31.6257% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8731% | 742 |
| Loan loss allowance to noncurrent loans | 3,959.3103% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 5,041 |
| Noncurrent loans to loans | 0.0473% | 4,899 |
| Net loans and leases to total assets | 80.3551% | 935 |
| Net loans and leases to deposits | 102.6747% | 569 |
| Net loans and leases to core deposits | 114.6809% | 799 |
| Total domestic deposits to total assets | 78.2618% | 4,684 |
| Equity capital to assets | 13.3031% | 1,250 |
| Core capital (leverage) ratio | 13.8251% | 936 |
| Tier 1 risk-based capital ratio | 15.8382% | 2,574 |
| Total risk-based capital ratio | 17.0953% | 2,505 |
| Memoranda: | ||
| Average total assets | $350,412,000 | 1,922 |
| Average earning assets | $330,175,500 | 1,905 |
| Average equity | $48,982,500 | 1,557 |
| Average total loans | $288,960,750 | 1,621 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1534% | 2,654 |
| Cost of funding earning assets | 0.4042% | 3,029 |
| Net interest margin | 3.7491% | 2,472 |
| Noninterest income to average assets | 0.5402% | 2,764 |
| Noninterest expense to average assets | 2.6228% | 3,358 |
| Loan and lease loss provision to assets | -0.1016% | 5,647 |
| Net operating income to assets | 1.0051% | 2,405 |
| Return on assets (ROA) | 1.0203% | 2,376 |
| Pretax return on assets | 1.5687% | 1,433 |
| Return on Equity (ROE) | 7.1727% | 3,466 |
| Retained earnings to average equity (ytd only) | 5.0623% | 2,673 |
| Net charge-offs to loans | -0.0261% | 4,897 |
| Credit loss provision to net charge-offs | 470.2703% | 693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4981% | 3,592 |
| Assets per employee ($millions) | 5.1677% | 2,192 |
| Cash dividends to net income (ytd only)* | 29.4219% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7618% | 961 |
| Loan loss allowance to noncurrent loans | 3,259.8765% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0461% | 5,050 |
| Noncurrent loans to loans | 0.0540% | 4,918 |
| Net loans and leases to total assets | 83.7971% | 470 |
| Net loans and leases to deposits | 108.8787% | 289 |
| Net loans and leases to core deposits | 121.2401% | 505 |
| Total domestic deposits to total assets | 76.9637% | 4,964 |
| Equity capital to assets | 14.0644% | 940 |
| Core capital (leverage) ratio | 14.4828% | 747 |
| Tier 1 risk-based capital ratio | 15.9746% | 2,518 |
| Total risk-based capital ratio | 17.2305% | 2,455 |
| Memoranda: | ||
| Average total assets | $342,452,670 | 1,967 |
| Average earning assets | $322,101,000 | 1,945 |
| Average equity | $48,712,670 | 1,568 |
| Average total loans | $283,113,670 | 1,650 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0104% | 2,996 |
| Cost of funding earning assets | 0.4039% | 2,956 |
| Net interest margin | 3.6065% | 2,870 |
| Noninterest income to average assets | 0.5385% | 2,715 |
| Noninterest expense to average assets | 2.5505% | 3,657 |
| Loan and lease loss provision to assets | 0.0497% | 2,816 |
| Net operating income to assets | 0.8675% | 2,913 |
| Return on assets (ROA) | 0.8675% | 2,967 |
| Pretax return on assets | 1.3303% | 2,135 |
| Return on Equity (ROE) | 6.0632% | 3,879 |
| Retained earnings to average equity (ytd only) | 4.0449% | 3,437 |
| Net charge-offs to loans | 0.0437% | 1,959 |
| Credit loss provision to net charge-offs | 140.0000% | 1,261 |
| Earnings coverage of net charge-offs (x) | 38.8667% | 1,057 |
| Efficiency ratio | 64.8901% | 3,678 |
| Assets per employee ($millions) | 4.9424% | 2,521 |
| Cash dividends to net income (ytd only)* | 33.2879% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9498% | 734 |
| Loan loss allowance to noncurrent loans | 1,354.1147% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.1211% | 4,777 |
| Noncurrent loans to loans | 0.1440% | 4,612 |
| Net loans and leases to total assets | 82.4630% | 518 |
| Net loans and leases to deposits | 97.1779% | 833 |
| Net loans and leases to core deposits | 109.5120% | 900 |
| Total domestic deposits to total assets | 84.8577% | 3,139 |
| Equity capital to assets | 14.6796% | 714 |
| Core capital (leverage) ratio | 14.6432% | 678 |
| Tier 1 risk-based capital ratio | 16.8937% | 2,216 |
| Total risk-based capital ratio | 18.1515% | 2,176 |
| Memoranda: | ||
| Average total assets | $337,976,000 | 2,005 |
| Average earning assets | $317,871,000 | 1,978 |
| Average equity | $48,357,500 | 1,577 |
| Average total loans | $274,796,000 | 1,702 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0869% | 2,907 |
| Cost of funding earning assets | 0.4142% | 2,873 |
| Net interest margin | 3.6727% | 2,806 |
| Noninterest income to average assets | 0.7359% | 2,015 |
| Noninterest expense to average assets | 2.8964% | 2,685 |
| Loan and lease loss provision to assets | -0.1538% | 5,744 |
| Net operating income to assets | 0.9406% | 2,631 |
| Return on assets (ROA) | 0.9406% | 2,741 |
| Pretax return on assets | 1.4291% | 1,821 |
| Return on Equity (ROE) | 6.7242% | 3,632 |
| Retained earnings to average equity (ytd only) | 4.6508% | 2,583 |
| Net charge-offs to loans | -0.3572% | 5,805 |
| Credit loss provision to net charge-offs | 53.3951% | 3,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4291% | 3,004 |
| Assets per employee ($millions) | 4.7891% | 2,668 |
| Cash dividends to net income (ytd only)* | 30.8346% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9986% | 662 |
| Loan loss allowance to noncurrent loans | 1,075.0000% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.1462% | 4,727 |
| Noncurrent loans to loans | 0.1859% | 4,494 |
| Net loans and leases to total assets | 77.0496% | 1,358 |
| Net loans and leases to deposits | 93.8188% | 1,213 |
| Net loans and leases to core deposits | 103.6339% | 1,312 |
| Total domestic deposits to total assets | 82.1260% | 4,038 |
| Equity capital to assets | 13.9510% | 906 |
| Core capital (leverage) ratio | 13.9417% | 833 |
| Tier 1 risk-based capital ratio | 17.1779% | 2,097 |
| Total risk-based capital ratio | 18.4363% | 2,051 |
| Memoranda: | ||
| Average total assets | $337,551,800 | 1,964 |
| Average earning assets | $315,790,400 | 1,942 |
| Average equity | $47,217,600 | 1,600 |
| Average total loans | $272,131,400 | 1,659 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1203% | 2,799 |
| Cost of funding earning assets | 0.4164% | 2,873 |
| Net interest margin | 3.7039% | 2,706 |
| Noninterest income to average assets | 0.6330% | 2,506 |
| Noninterest expense to average assets | 2.7755% | 3,096 |
| Loan and lease loss provision to assets | -0.2577% | 5,891 |
| Net operating income to assets | 1.0357% | 2,264 |
| Return on assets (ROA) | 1.0357% | 2,385 |
| Pretax return on assets | 1.5770% | 1,444 |
| Return on Equity (ROE) | 7.3991% | 3,353 |
| Retained earnings to average equity (ytd only) | 5.3167% | 2,613 |
| Net charge-offs to loans | -0.4572% | 5,881 |
| Credit loss provision to net charge-offs | 69.4861% | 2,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7820% | 3,264 |
| Assets per employee ($millions) | 4.7713% | 2,652 |
| Cash dividends to net income (ytd only)* | 28.1441% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9266% | 821 |
| Loan loss allowance to noncurrent loans | 1,100.6289% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.1408% | 4,869 |
| Noncurrent loans to loans | 0.1750% | 4,648 |
| Net loans and leases to total assets | 78.8909% | 1,053 |
| Net loans and leases to deposits | 97.4114% | 908 |
| Net loans and leases to core deposits | 107.4380% | 1,084 |
| Total domestic deposits to total assets | 80.9874% | 4,250 |
| Equity capital to assets | 14.1413% | 985 |
| Core capital (leverage) ratio | 14.0806% | 824 |
| Tier 1 risk-based capital ratio | 16.9281% | 2,247 |
| Total risk-based capital ratio | 18.1858% | 2,204 |
| Memoranda: | ||
| Average total assets | $335,736,500 | 1,975 |
| Average earning assets | $313,789,250 | 1,953 |
| Average equity | $46,995,750 | 1,617 |
| Average total loans | $272,390,500 | 1,660 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1192% | 2,787 |
| Cost of funding earning assets | 0.4124% | 2,916 |
| Net interest margin | 3.7068% | 2,671 |
| Noninterest income to average assets | 0.6411% | 2,411 |
| Noninterest expense to average assets | 2.8501% | 2,844 |
| Loan and lease loss provision to assets | -0.4941% | 6,018 |
| Net operating income to assets | 1.1412% | 1,803 |
| Return on assets (ROA) | 1.1412% | 1,922 |
| Pretax return on assets | 1.7489% | 980 |
| Return on Equity (ROE) | 8.1812% | 2,890 |
| Retained earnings to average equity (ytd only) | 6.0823% | 2,076 |
| Net charge-offs to loans | -0.7064% | 5,971 |
| Credit loss provision to net charge-offs | 85.9667% | 2,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4323% | 3,069 |
| Assets per employee ($millions) | 4.7877% | 2,577 |
| Cash dividends to net income (ytd only)* | 25.6545% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8584% | 965 |
| Loan loss allowance to noncurrent loans | 3,805.9701% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 5,369 |
| Noncurrent loans to loans | 0.0488% | 5,266 |
| Net loans and leases to total assets | 80.3640% | 848 |
| Net loans and leases to deposits | 99.2026% | 766 |
| Net loans and leases to core deposits | 111.9311% | 816 |
| Total domestic deposits to total assets | 81.0100% | 4,276 |
| Equity capital to assets | 14.1836% | 969 |
| Core capital (leverage) ratio | 14.1735% | 780 |
| Tier 1 risk-based capital ratio | 16.5788% | 2,399 |
| Total risk-based capital ratio | 17.8354% | 2,346 |
| Memoranda: | ||
| Average total assets | $334,729,000 | 1,989 |
| Average earning assets | $312,776,000 | 1,971 |
| Average equity | $46,692,670 | 1,625 |
| Average total loans | $272,354,000 | 1,657 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1518% | 2,644 |
| Cost of funding earning assets | 0.4084% | 2,981 |
| Net interest margin | 3.7434% | 2,508 |
| Noninterest income to average assets | 0.5787% | 2,642 |
| Noninterest expense to average assets | 2.7322% | 3,305 |
| Loan and lease loss provision to assets | 0.1674% | 1,237 |
| Net operating income to assets | 0.7940% | 3,278 |
| Return on assets (ROA) | 0.7940% | 3,384 |
| Pretax return on assets | 1.1754% | 2,799 |
| Return on Equity (ROE) | 5.7400% | 4,110 |
| Retained earnings to average equity (ytd only) | 3.6221% | 3,682 |
| Net charge-offs to loans | 0.0074% | 2,869 |
| Credit loss provision to net charge-offs | 2,800.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 224.6000% | 274 |
| Efficiency ratio | 67.0481% | 3,626 |
| Assets per employee ($millions) | 4.6307% | 2,846 |
| Cash dividends to net income (ytd only)* | 36.8976% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8458% | 1,064 |
| Loan loss allowance to noncurrent loans | 1,619.0476% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.1188% | 5,108 |
| Noncurrent loans to loans | 0.1140% | 5,018 |
| Net loans and leases to total assets | 81.3436% | 644 |
| Net loans and leases to deposits | 98.3885% | 730 |
| Net loans and leases to core deposits | 112.4231% | 732 |
| Total domestic deposits to total assets | 82.6759% | 4,013 |
| Equity capital to assets | 13.9424% | 1,006 |
| Core capital (leverage) ratio | 13.8855% | 842 |
| Tier 1 risk-based capital ratio | 16.0685% | 2,650 |
| Total risk-based capital ratio | 17.3249% | 2,599 |
| Memoranda: | ||
| Average total assets | $334,523,500 | 1,999 |
| Average earning assets | $312,441,000 | 1,983 |
| Average equity | $46,271,500 | 1,631 |
| Average total loans | $271,315,000 | 1,661 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1931% | 2,585 |
| Cost of funding earning assets | 0.4219% | 2,920 |
| Net interest margin | 3.7712% | 2,477 |
| Noninterest income to average assets | 0.6234% | 2,598 |
| Noninterest expense to average assets | 2.8117% | 3,180 |
| Loan and lease loss provision to assets | -0.1319% | 5,902 |
| Net operating income to assets | 0.9517% | 2,605 |
| Return on assets (ROA) | 0.9517% | 2,686 |
| Pretax return on assets | 1.4314% | 1,783 |
| Return on Equity (ROE) | 6.6082% | 3,725 |
| Retained earnings to average equity (ytd only) | 4.1819% | 3,013 |
| Net charge-offs to loans | 0.0381% | 3,462 |
| Credit loss provision to net charge-offs | -437.2340% | 5,418 |
| Earnings coverage of net charge-offs (x) | 43.0851% | 1,106 |
| Efficiency ratio | 68.3915% | 3,489 |
| Assets per employee ($millions) | 4.7273% | 2,696 |
| Cash dividends to net income (ytd only)* | 36.7161% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8643% | 1,023 |
| Loan loss allowance to noncurrent loans | 3,972.0000% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 5,403 |
| Noncurrent loans to loans | 0.0469% | 5,330 |
| Net loans and leases to total assets | 77.8691% | 1,139 |
| Net loans and leases to deposits | 94.7080% | 1,134 |
| Net loans and leases to core deposits | 109.5069% | 888 |
| Total domestic deposits to total assets | 82.2202% | 4,105 |
| Equity capital to assets | 13.7225% | 1,033 |
| Core capital (leverage) ratio | 14.0815% | 794 |
| Tier 1 risk-based capital ratio | 16.4163% | 2,525 |
| Total risk-based capital ratio | 17.6730% | 2,475 |
| Memoranda: | ||
| Average total assets | $311,661,000 | 2,081 |
| Average earning assets | $288,234,600 | 2,081 |
| Average equity | $44,883,400 | 1,645 |
| Average total loans | $246,755,400 | 1,746 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2160% | 2,521 |
| Cost of funding earning assets | 0.4309% | 2,893 |
| Net interest margin | 3.7851% | 2,442 |
| Noninterest income to average assets | 0.7158% | 2,165 |
| Noninterest expense to average assets | 2.7275% | 3,468 |
| Loan and lease loss provision to assets | 0.0685% | 2,809 |
| Net operating income to assets | 0.9479% | 2,723 |
| Return on assets (ROA) | 0.9479% | 2,823 |
| Pretax return on assets | 1.4102% | 1,975 |
| Return on Equity (ROE) | 6.4976% | 3,910 |
| Retained earnings to average equity (ytd only) | 3.6001% | 3,908 |
| Net charge-offs to loans | 0.0480% | 2,935 |
| Credit loss provision to net charge-offs | 180.4598% | 1,462 |
| Earnings coverage of net charge-offs (x) | 38.9646% | 1,271 |
| Efficiency ratio | 64.8450% | 4,091 |
| Assets per employee ($millions) | 4.4846% | 3,035 |
| Cash dividends to net income (ytd only)* | 44.5928% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1036% | 773 |
| Loan loss allowance to noncurrent loans | 2,367.5214% | 286 |
| Noncurrent assets plus other real estate owned to assets | 1.3548% | 1,717 |
| Noncurrent loans to loans | 0.0889% | 5,272 |
| Net loans and leases to total assets | 82.1294% | 567 |
| Net loans and leases to deposits | 101.6472% | 567 |
| Net loans and leases to core deposits | 115.0795% | 632 |
| Total domestic deposits to total assets | 80.7985% | 4,524 |
| Equity capital to assets | 14.4328% | 877 |
| Core capital (leverage) ratio | 14.4969% | 739 |
| Tier 1 risk-based capital ratio | 16.1819% | 2,722 |
| Total risk-based capital ratio | 17.4409% | 2,672 |
| Memoranda: | ||
| Average total assets | $305,666,500 | 2,127 |
| Average earning assets | $281,871,000 | 2,137 |
| Average equity | $44,589,750 | 1,665 |
| Average total loans | $241,863,250 | 1,787 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1427% | 2,744 |
| Cost of funding earning assets | 0.4391% | 2,850 |
| Net interest margin | 3.7036% | 2,692 |
| Noninterest income to average assets | 0.7573% | 1,968 |
| Noninterest expense to average assets | 2.5717% | 3,999 |
| Loan and lease loss provision to assets | 0.0660% | 2,796 |
| Net operating income to assets | 1.0234% | 2,271 |
| Return on assets (ROA) | 1.0234% | 2,387 |
| Pretax return on assets | 1.5331% | 1,545 |
| Return on Equity (ROE) | 6.9898% | 3,608 |
| Retained earnings to average equity (ytd only) | 2.6200% | 4,391 |
| Net charge-offs to loans | 0.0682% | 2,415 |
| Credit loss provision to net charge-offs | 125.0000% | 1,744 |
| Earnings coverage of net charge-offs (x) | 30.2750% | 1,358 |
| Efficiency ratio | 61.6590% | 4,731 |
| Assets per employee ($millions) | 4.3436% | 3,225 |
| Cash dividends to net income (ytd only)* | 62.5161% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2192% | 716 |
| Loan loss allowance to noncurrent loans | 591.5948% | 885 |
| Noncurrent assets plus other real estate owned to assets | 1.4978% | 1,646 |
| Noncurrent loans to loans | 0.3751% | 4,364 |
| Net loans and leases to total assets | 79.5586% | 863 |
| Net loans and leases to deposits | 95.5413% | 999 |
| Net loans and leases to core deposits | 104.1092% | 1,181 |
| Total domestic deposits to total assets | 83.2714% | 3,843 |
| Equity capital to assets | 14.6848% | 772 |
| Core capital (leverage) ratio | 14.6152% | 683 |
| Tier 1 risk-based capital ratio | 16.9690% | 2,415 |
| Total risk-based capital ratio | 18.2295% | 2,364 |
| Memoranda: | ||
| Average total assets | $302,914,330 | 2,166 |
| Average earning assets | $279,189,330 | 2,168 |
| Average equity | $44,350,330 | 1,684 |
| Average total loans | $234,696,670 | 1,842 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0158% | 3,177 |
| Cost of funding earning assets | 0.4378% | 2,907 |
| Net interest margin | 3.5781% | 3,089 |
| Noninterest income to average assets | 0.9168% | 1,333 |
| Noninterest expense to average assets | 2.3166% | 4,835 |
| Loan and lease loss provision to assets | 0.3003% | 486 |
| Net operating income to assets | 1.0624% | 1,992 |
| Return on assets (ROA) | 1.0624% | 2,122 |
| Pretax return on assets | 1.5982% | 1,271 |
| Return on Equity (ROE) | 7.2669% | 3,355 |
| Retained earnings to average equity (ytd only) | 0.7692% | 5,147 |
| Net charge-offs to loans | -0.0053% | 4,510 |
| Credit loss provision to net charge-offs | -7,566.6667% | 5,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9592% | 5,597 |
| Assets per employee ($millions) | 4.2153% | 3,541 |
| Cash dividends to net income (ytd only)* | 89.4147% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4786% | 546 |
| Loan loss allowance to noncurrent loans | 3,333.3333% | 196 |
| Noncurrent assets plus other real estate owned to assets | 1.2659% | 2,109 |
| Noncurrent loans to loans | 0.0744% | 5,477 |
| Net loans and leases to total assets | 73.8930% | 1,521 |
| Net loans and leases to deposits | 86.8109% | 1,734 |
| Net loans and leases to core deposits | 97.9983% | 1,475 |
| Total domestic deposits to total assets | 85.1195% | 3,348 |
| Equity capital to assets | 14.5787% | 809 |
| Core capital (leverage) ratio | 14.4270% | 710 |
| Tier 1 risk-based capital ratio | 18.2223% | 2,077 |
| Total risk-based capital ratio | 19.4859% | 2,028 |
| Memoranda: | ||
| Average total assets | $302,344,000 | 2,186 |
| Average earning assets | $278,697,500 | 2,185 |
| Average equity | $44,200,500 | 1,691 |
| Average total loans | $228,349,000 | 1,890 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2134% | 2,909 |
| Cost of funding earning assets | 0.4804% | 2,876 |
| Net interest margin | 3.7330% | 2,867 |
| Noninterest income to average assets | 0.5898% | 2,919 |
| Noninterest expense to average assets | 2.9600% | 2,968 |
| Loan and lease loss provision to assets | -0.3871% | 6,416 |
| Net operating income to assets | 0.9640% | 2,564 |
| Return on assets (ROA) | 0.9640% | 2,647 |
| Pretax return on assets | 1.4556% | 1,707 |
| Return on Equity (ROE) | 6.4546% | 3,927 |
| Retained earnings to average equity (ytd only) | 0.6457% | 5,473 |
| Net charge-offs to loans | 0.1366% | 2,652 |
| Credit loss provision to net charge-offs | -376.3158% | 5,738 |
| Earnings coverage of net charge-offs (x) | 10.3882% | 2,615 |
| Efficiency ratio | 73.4756% | 2,936 |
| Assets per employee ($millions) | 4.1831% | 3,573 |
| Cash dividends to net income (ytd only)* | 89.9965% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4126% | 615 |
| Loan loss allowance to noncurrent loans | 2,972.8261% | 236 |
| Noncurrent assets plus other real estate owned to assets | 1.2949% | 2,178 |
| Noncurrent loans to loans | 0.0812% | 5,559 |
| Net loans and leases to total assets | 73.4633% | 1,675 |
| Net loans and leases to deposits | 86.4242% | 1,921 |
| Net loans and leases to core deposits | 91.9816% | 2,089 |
| Total domestic deposits to total assets | 85.0031% | 3,278 |
| Equity capital to assets | 14.6602% | 771 |
| Core capital (leverage) ratio | 14.5760% | 688 |
| Tier 1 risk-based capital ratio | 17.5715% | 2,288 |
| Total risk-based capital ratio | 18.8332% | 2,254 |
| Memoranda: | ||
| Average total assets | $295,539,400 | 2,181 |
| Average earning assets | $272,248,000 | 2,179 |
| Average equity | $44,139,200 | 1,634 |
| Average total loans | $222,495,200 | 1,887 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2520% | 2,802 |
| Cost of funding earning assets | 0.4863% | 2,896 |
| Net interest margin | 3.7657% | 2,754 |
| Noninterest income to average assets | 0.6188% | 2,756 |
| Noninterest expense to average assets | 2.8064% | 3,437 |
| Loan and lease loss provision to assets | -0.1614% | 6,357 |
| Net operating income to assets | 0.9565% | 2,657 |
| Return on assets (ROA) | 0.9565% | 2,733 |
| Pretax return on assets | 1.4415% | 1,841 |
| Return on Equity (ROE) | 6.3741% | 4,041 |
| Retained earnings to average equity (ytd only) | 3.4016% | 4,205 |
| Net charge-offs to loans | 0.0434% | 3,635 |
| Credit loss provision to net charge-offs | -494.4444% | 5,740 |
| Earnings coverage of net charge-offs (x) | 39.2213% | 1,147 |
| Efficiency ratio | 68.6744% | 3,734 |
| Assets per employee ($millions) | 4.1558% | 3,555 |
| Cash dividends to net income (ytd only)* | 46.6352% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9153% | 391 |
| Loan loss allowance to noncurrent loans | 1,193.0147% | 479 |
| Noncurrent assets plus other real estate owned to assets | 1.5219% | 2,022 |
| Noncurrent loans to loans | 0.2444% | 5,166 |
| Net loans and leases to total assets | 75.3718% | 1,311 |
| Net loans and leases to deposits | 89.7046% | 1,454 |
| Net loans and leases to core deposits | 96.0155% | 1,674 |
| Total domestic deposits to total assets | 84.0222% | 3,751 |
| Equity capital to assets | 15.6779% | 609 |
| Core capital (leverage) ratio | 15.3727% | 568 |
| Tier 1 risk-based capital ratio | 18.2512% | 2,135 |
| Total risk-based capital ratio | 19.5183% | 2,091 |
| Memoranda: | ||
| Average total assets | $294,128,500 | 2,203 |
| Average earning assets | $270,859,000 | 2,206 |
| Average equity | $44,135,500 | 1,641 |
| Average total loans | $221,436,750 | 1,906 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2312% | 2,841 |
| Cost of funding earning assets | 0.4861% | 2,968 |
| Net interest margin | 3.7452% | 2,777 |
| Noninterest income to average assets | 0.5712% | 2,986 |
| Noninterest expense to average assets | 2.7688% | 3,616 |
| Loan and lease loss provision to assets | -0.0749% | 6,341 |
| Net operating income to assets | 0.8881% | 2,871 |
| Return on assets (ROA) | 0.8881% | 2,965 |
| Pretax return on assets | 1.3271% | 2,163 |
| Return on Equity (ROE) | 6.0052% | 4,147 |
| Retained earnings to average equity (ytd only) | 2.6264% | 4,529 |
| Net charge-offs to loans | 0.0199% | 3,813 |
| Credit loss provision to net charge-offs | -504.5455% | 5,575 |
| Earnings coverage of net charge-offs (x) | 84.4091% | 628 |
| Efficiency ratio | 68.8580% | 3,854 |
| Assets per employee ($millions) | 4.2242% | 3,419 |
| Cash dividends to net income (ytd only)* | 56.2642% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9985% | 385 |
| Loan loss allowance to noncurrent loans | 630.5762% | 746 |
| Noncurrent assets plus other real estate owned to assets | 1.7222% | 1,896 |
| Noncurrent loans to loans | 0.4755% | 4,571 |
| Net loans and leases to total assets | 76.4144% | 1,116 |
| Net loans and leases to deposits | 90.6607% | 1,306 |
| Net loans and leases to core deposits | 97.4433% | 1,476 |
| Total domestic deposits to total assets | 84.2861% | 3,820 |
| Equity capital to assets | 15.4235% | 626 |
| Core capital (leverage) ratio | 15.3336% | 553 |
| Tier 1 risk-based capital ratio | 17.8553% | 2,294 |
| Total risk-based capital ratio | 19.1236% | 2,255 |
| Memoranda: | ||
| Average total assets | $296,588,670 | 2,191 |
| Average earning assets | $273,206,330 | 2,187 |
| Average equity | $43,862,000 | 1,637 |
| Average total loans | $221,043,330 | 1,896 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1630% | 3,021 |
| Cost of funding earning assets | 0.4815% | 3,097 |
| Net interest margin | 3.6816% | 2,943 |
| Noninterest income to average assets | 0.5470% | 3,069 |
| Noninterest expense to average assets | 2.8626% | 3,333 |
| Loan and lease loss provision to assets | -0.2337% | 6,588 |
| Net operating income to assets | 0.8816% | 2,733 |
| Return on assets (ROA) | 0.8816% | 2,803 |
| Pretax return on assets | 1.3092% | 2,063 |
| Return on Equity (ROE) | 6.0860% | 3,972 |
| Retained earnings to average equity (ytd only) | 1.5307% | 4,997 |
| Net charge-offs to loans | -0.0696% | 5,953 |
| Credit loss provision to net charge-offs | 463.1579% | 576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6905% | 3,362 |
| Assets per employee ($millions) | 4.1179% | 3,687 |
| Cash dividends to net income (ytd only)* | 74.8494% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0776% | 396 |
| Loan loss allowance to noncurrent loans | 1,645.6311% | 342 |
| Noncurrent assets plus other real estate owned to assets | 1.7873% | 1,966 |
| Noncurrent loans to loans | 0.1870% | 5,535 |
| Net loans and leases to total assets | 74.0748% | 1,254 |
| Net loans and leases to deposits | 87.6629% | 1,395 |
| Net loans and leases to core deposits | 94.4203% | 1,521 |
| Total domestic deposits to total assets | 84.4995% | 4,086 |
| Equity capital to assets | 15.1927% | 640 |
| Core capital (leverage) ratio | 14.7179% | 646 |
| Tier 1 risk-based capital ratio | 18.0362% | 2,279 |
| Total risk-based capital ratio | 19.3051% | 2,250 |
| Memoranda: | ||
| Average total assets | $301,261,500 | 2,172 |
| Average earning assets | $277,491,500 | 2,165 |
| Average equity | $43,641,500 | 1,630 |
| Average total loans | $218,425,000 | 1,907 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3194% | 2,882 |
| Cost of funding earning assets | 0.5252% | 3,347 |
| Net interest margin | 3.7942% | 2,676 |
| Noninterest income to average assets | 0.7963% | 2,096 |
| Noninterest expense to average assets | 2.7823% | 3,786 |
| Loan and lease loss provision to assets | 0.2889% | 1,185 |
| Net operating income to assets | 0.8038% | 3,274 |
| Return on assets (ROA) | 0.8038% | 3,371 |
| Pretax return on assets | 1.2738% | 2,254 |
| Return on Equity (ROE) | 5.6458% | 4,306 |
| Retained earnings to average equity (ytd only) | 1.1333% | 5,318 |
| Net charge-offs to loans | 0.3782% | 1,776 |
| Credit loss provision to net charge-offs | 104.5077% | 2,317 |
| Earnings coverage of net charge-offs (x) | 5.6524% | 3,250 |
| Efficiency ratio | 64.0350% | 4,888 |
| Assets per employee ($millions) | 4.4895% | 2,920 |
| Cash dividends to net income (ytd only)* | 79.9266% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1947% | 372 |
| Loan loss allowance to noncurrent loans | 1,359.1356% | 406 |
| Noncurrent assets plus other real estate owned to assets | 1.7199% | 2,148 |
| Noncurrent loans to loans | 0.2351% | 5,478 |
| Net loans and leases to total assets | 66.7035% | 2,573 |
| Net loans and leases to deposits | 77.6106% | 2,777 |
| Net loans and leases to core deposits | 88.1274% | 2,234 |
| Total domestic deposits to total assets | 85.9463% | 3,285 |
| Equity capital to assets | 13.8382% | 954 |
| Core capital (leverage) ratio | 14.5577% | 676 |
| Tier 1 risk-based capital ratio | 18.2098% | 2,182 |
| Total risk-based capital ratio | 19.4800% | 2,133 |
| Memoranda: | ||
| Average total assets | $304,923,600 | 2,119 |
| Average earning assets | $285,202,000 | 2,074 |
| Average equity | $43,412,600 | 1,615 |
| Average total loans | $222,879,200 | 1,837 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4099% | 2,565 |
| Cost of funding earning assets | 0.5390% | 3,373 |
| Net interest margin | 3.8709% | 2,377 |
| Noninterest income to average assets | 0.7107% | 2,548 |
| Noninterest expense to average assets | 2.8469% | 3,500 |
| Loan and lease loss provision to assets | 0.2133% | 1,708 |
| Net operating income to assets | 0.8059% | 3,317 |
| Return on assets (ROA) | 0.8059% | 3,447 |
| Pretax return on assets | 1.2866% | 2,377 |
| Return on Equity (ROE) | 5.6198% | 4,398 |
| Retained earnings to average equity (ytd only) | 0.3564% | 5,823 |
| Net charge-offs to loans | 0.4378% | 1,468 |
| Credit loss provision to net charge-offs | 65.6716% | 3,164 |
| Earnings coverage of net charge-offs (x) | 4.6187% | 3,398 |
| Efficiency ratio | 65.4942% | 4,579 |
| Assets per employee ($millions) | 4.2101% | 3,401 |
| Cash dividends to net income (ytd only)* | 93.6575% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1244% | 484 |
| Loan loss allowance to noncurrent loans | 1,089.9671% | 438 |
| Noncurrent assets plus other real estate owned to assets | 2.0135% | 1,993 |
| Noncurrent loans to loans | 0.2866% | 5,515 |
| Net loans and leases to total assets | 69.7235% | 2,011 |
| Net loans and leases to deposits | 81.9949% | 2,137 |
| Net loans and leases to core deposits | 89.7414% | 1,999 |
| Total domestic deposits to total assets | 85.0339% | 3,735 |
| Equity capital to assets | 14.6389% | 788 |
| Core capital (leverage) ratio | 14.5220% | 728 |
| Tier 1 risk-based capital ratio | 19.1569% | 1,937 |
| Total risk-based capital ratio | 20.4277% | 1,901 |
| Memoranda: | ||
| Average total assets | $302,587,750 | 2,142 |
| Average earning assets | $284,235,250 | 2,096 |
| Average equity | $43,393,500 | 1,623 |
| Average total loans | $224,462,750 | 1,825 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4504% | 2,384 |
| Cost of funding earning assets | 0.5500% | 3,412 |
| Net interest margin | 3.9004% | 2,208 |
| Noninterest income to average assets | 0.7568% | 2,382 |
| Noninterest expense to average assets | 2.8629% | 3,464 |
| Loan and lease loss provision to assets | 0.3126% | 1,138 |
| Net operating income to assets | 0.7542% | 3,544 |
| Return on assets (ROA) | 0.7542% | 3,696 |
| Pretax return on assets | 1.2385% | 2,528 |
| Return on Equity (ROE) | 5.2947% | 4,568 |
| Retained earnings to average equity (ytd only) | 3.1281% | 4,329 |
| Net charge-offs to loans | 0.6317% | 1,044 |
| Credit loss provision to net charge-offs | 66.0665% | 2,910 |
| Earnings coverage of net charge-offs (x) | 3.2784% | 3,440 |
| Efficiency ratio | 64.8605% | 4,732 |
| Assets per employee ($millions) | 4.2505% | 3,250 |
| Cash dividends to net income (ytd only)* | 40.9209% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0189% | 571 |
| Loan loss allowance to noncurrent loans | 1,071.8901% | 439 |
| Noncurrent assets plus other real estate owned to assets | 2.1247% | 2,027 |
| Noncurrent loans to loans | 0.2816% | 5,598 |
| Net loans and leases to total assets | 70.6298% | 1,778 |
| Net loans and leases to deposits | 83.0094% | 1,925 |
| Net loans and leases to core deposits | 90.5772% | 1,854 |
| Total domestic deposits to total assets | 85.0864% | 3,853 |
| Equity capital to assets | 14.5034% | 822 |
| Core capital (leverage) ratio | 14.5577% | 685 |
| Tier 1 risk-based capital ratio | 18.7522% | 2,061 |
| Total risk-based capital ratio | 20.0221% | 2,021 |
| Memoranda: | ||
| Average total assets | $305,214,670 | 2,125 |
| Average earning assets | $286,174,330 | 2,090 |
| Average equity | $43,477,330 | 1,621 |
| Average total loans | $228,581,330 | 1,794 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5316% | 2,060 |
| Cost of funding earning assets | 0.5720% | 3,361 |
| Net interest margin | 3.9596% | 1,921 |
| Noninterest income to average assets | 0.8849% | 1,813 |
| Noninterest expense to average assets | 3.1251% | 2,597 |
| Loan and lease loss provision to assets | 0.2815% | 1,251 |
| Net operating income to assets | 0.7298% | 3,540 |
| Return on assets (ROA) | 0.7298% | 3,677 |
| Pretax return on assets | 1.1768% | 2,660 |
| Return on Equity (ROE) | 5.1694% | 4,479 |
| Retained earnings to average equity (ytd only) | 3.0924% | 4,425 |
| Net charge-offs to loans | 0.0309% | 3,602 |
| Credit loss provision to net charge-offs | 1,200.0000% | 265 |
| Earnings coverage of net charge-offs (x) | 62.1667% | 577 |
| Efficiency ratio | 68.1831% | 4,277 |
| Assets per employee ($millions) | 4.2513% | 3,431 |
| Cash dividends to net income (ytd only)* | 40.1786% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1150% | 590 |
| Loan loss allowance to noncurrent loans | 633.0948% | 694 |
| Noncurrent assets plus other real estate owned to assets | 2.5440% | 1,804 |
| Noncurrent loans to loans | 0.4920% | 5,201 |
| Net loans and leases to total assets | 72.9336% | 1,215 |
| Net loans and leases to deposits | 85.7179% | 1,381 |
| Net loans and leases to core deposits | 92.8443% | 1,429 |
| Total domestic deposits to total assets | 85.0856% | 3,997 |
| Equity capital to assets | 14.4131% | 901 |
| Core capital (leverage) ratio | 14.1360% | 765 |
| Tier 1 risk-based capital ratio | 18.0715% | 2,331 |
| Total risk-based capital ratio | 19.3423% | 2,290 |
| Memoranda: | ||
| Average total assets | $306,929,500 | 2,138 |
| Average earning assets | $286,697,000 | 2,112 |
| Average equity | $43,331,500 | 1,647 |
| Average total loans | $232,979,500 | 1,773 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0673% | 1,384 |
| Cost of funding earning assets | 0.7331% | 3,224 |
| Net interest margin | 4.3342% | 1,317 |
| Noninterest income to average assets | 0.6860% | 2,793 |
| Noninterest expense to average assets | 2.9008% | 3,637 |
| Loan and lease loss provision to assets | 0.3527% | 1,896 |
| Net operating income to assets | 0.8619% | 2,994 |
| Return on assets (ROA) | 0.8619% | 3,232 |
| Pretax return on assets | 1.3936% | 2,057 |
| Return on Equity (ROE) | 6.4398% | 3,942 |
| Retained earnings to average equity (ytd only) | 3.5100% | 3,746 |
| Net charge-offs to loans | 0.4909% | 2,269 |
| Credit loss provision to net charge-offs | 91.4824% | 3,412 |
| Earnings coverage of net charge-offs (x) | 4.5299% | 3,339 |
| Efficiency ratio | 62.4227% | 5,181 |
| Assets per employee ($millions) | 4.3946% | 3,157 |
| Cash dividends to net income (ytd only)* | 45.4945% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8818% | 745 |
| Loan loss allowance to noncurrent loans | 725.7384% | 595 |
| Noncurrent assets plus other real estate owned to assets | 2.5281% | 1,926 |
| Noncurrent loans to loans | 0.3971% | 5,498 |
| Net loans and leases to total assets | 74.3090% | 1,151 |
| Net loans and leases to deposits | 86.6742% | 1,421 |
| Net loans and leases to core deposits | 91.8431% | 1,647 |
| Total domestic deposits to total assets | 85.7337% | 3,497 |
| Equity capital to assets | 13.8320% | 1,108 |
| Core capital (leverage) ratio | 14.1691% | 755 |
| Tier 1 risk-based capital ratio | 17.0495% | 2,628 |
| Total risk-based capital ratio | 18.3175% | 2,584 |
| Memoranda: | ||
| Average total assets | $316,743,600 | 2,027 |
| Average earning assets | $289,463,200 | 2,045 |
| Average equity | $42,392,800 | 1,641 |
| Average total loans | $248,736,200 | 1,654 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1401% | 1,329 |
| Cost of funding earning assets | 0.7700% | 3,191 |
| Net interest margin | 4.3702% | 1,283 |
| Noninterest income to average assets | 0.5930% | 3,326 |
| Noninterest expense to average assets | 2.9851% | 3,286 |
| Loan and lease loss provision to assets | 0.3800% | 1,701 |
| Net operating income to assets | 0.7461% | 3,708 |
| Return on assets (ROA) | 0.7461% | 3,960 |
| Pretax return on assets | 1.2078% | 2,968 |
| Return on Equity (ROE) | 5.6205% | 4,521 |
| Retained earnings to average equity (ytd only) | 4.0693% | 4,027 |
| Net charge-offs to loans | 0.5944% | 1,849 |
| Credit loss provision to net charge-offs | 80.8929% | 3,592 |
| Earnings coverage of net charge-offs (x) | 3.3803% | 3,668 |
| Efficiency ratio | 65.2788% | 4,576 |
| Assets per employee ($millions) | 4.3990% | 3,074 |
| Cash dividends to net income (ytd only)* | 27.5998% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8630% | 836 |
| Loan loss allowance to noncurrent loans | 657.2816% | 606 |
| Noncurrent assets plus other real estate owned to assets | 4.3016% | 1,089 |
| Noncurrent loans to loans | 0.4356% | 5,574 |
| Net loans and leases to total assets | 74.5946% | 1,161 |
| Net loans and leases to deposits | 87.1667% | 1,458 |
| Net loans and leases to core deposits | 96.1494% | 1,403 |
| Total domestic deposits to total assets | 85.5769% | 3,473 |
| Equity capital to assets | 13.9464% | 1,179 |
| Core capital (leverage) ratio | 13.7307% | 933 |
| Tier 1 risk-based capital ratio | 17.5663% | 2,513 |
| Total risk-based capital ratio | 18.8351% | 2,473 |
| Memoranda: | ||
| Average total assets | $317,925,500 | 2,040 |
| Average earning assets | $289,531,000 | 2,065 |
| Average equity | $42,201,500 | 1,667 |
| Average total loans | $251,236,250 | 1,656 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2120% | 1,213 |
| Cost of funding earning assets | 0.7864% | 3,311 |
| Net interest margin | 4.4256% | 1,138 |
| Noninterest income to average assets | 0.3984% | 4,663 |
| Noninterest expense to average assets | 2.8482% | 3,839 |
| Loan and lease loss provision to assets | 0.4557% | 1,402 |
| Net operating income to assets | 0.6836% | 3,957 |
| Return on assets (ROA) | 0.6836% | 4,215 |
| Pretax return on assets | 1.1063% | 3,284 |
| Return on Equity (ROE) | 5.2343% | 4,690 |
| Retained earnings to average equity (ytd only) | 3.6755% | 4,149 |
| Net charge-offs to loans | 0.7792% | 1,412 |
| Credit loss provision to net charge-offs | 73.3467% | 3,492 |
| Earnings coverage of net charge-offs (x) | 2.5140% | 3,756 |
| Efficiency ratio | 64.5822% | 4,787 |
| Assets per employee ($millions) | 4.6661% | 2,615 |
| Cash dividends to net income (ytd only)* | 29.7814% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7437% | 994 |
| Loan loss allowance to noncurrent loans | 394.0176% | 923 |
| Noncurrent assets plus other real estate owned to assets | 5.7511% | 758 |
| Noncurrent loans to loans | 0.6963% | 5,111 |
| Net loans and leases to total assets | 75.0511% | 1,094 |
| Net loans and leases to deposits | 87.0908% | 1,464 |
| Net loans and leases to core deposits | 98.7932% | 1,193 |
| Total domestic deposits to total assets | 86.1757% | 3,268 |
| Equity capital to assets | 13.3626% | 1,360 |
| Core capital (leverage) ratio | 13.4873% | 983 |
| Tier 1 risk-based capital ratio | 16.4492% | 2,947 |
| Total risk-based capital ratio | 17.7157% | 2,901 |
| Memoranda: | ||
| Average total assets | $321,257,330 | 2,020 |
| Average earning assets | $291,213,000 | 2,043 |
| Average equity | $41,953,670 | 1,667 |
| Average total loans | $256,158,670 | 1,625 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2851% | 1,130 |
| Cost of funding earning assets | 0.8098% | 3,393 |
| Net interest margin | 4.4752% | 1,061 |
| Noninterest income to average assets | 0.9071% | 1,713 |
| Noninterest expense to average assets | 2.9502% | 3,441 |
| Loan and lease loss provision to assets | 1.2969% | 284 |
| Net operating income to assets | 0.4467% | 5,050 |
| Return on assets (ROA) | 0.4467% | 5,241 |
| Pretax return on assets | 0.7153% | 4,741 |
| Return on Equity (ROE) | 3.4603% | 5,528 |
| Retained earnings to average equity (ytd only) | 1.8979% | 5,300 |
| Net charge-offs to loans | 0.1971% | 2,937 |
| Credit loss provision to net charge-offs | 812.4031% | 429 |
| Earnings coverage of net charge-offs (x) | 12.6047% | 1,588 |
| Efficiency ratio | 59.4514% | 5,702 |
| Assets per employee ($millions) | 4.4962% | 3,005 |
| Cash dividends to net income (ytd only)* | 45.1524% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0520% | 796 |
| Loan loss allowance to noncurrent loans | 197.6244% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 6.4581% | 701 |
| Noncurrent loans to loans | 1.5444% | 3,798 |
| Net loans and leases to total assets | 79.7621% | 429 |
| Net loans and leases to deposits | 92.3865% | 770 |
| Net loans and leases to core deposits | 104.9547% | 718 |
| Total domestic deposits to total assets | 86.3352% | 3,338 |
| Equity capital to assets | 13.2905% | 1,323 |
| Core capital (leverage) ratio | 12.9515% | 1,145 |
| Tier 1 risk-based capital ratio | 15.3972% | 3,500 |
| Total risk-based capital ratio | 16.6679% | 3,462 |
| Memoranda: | ||
| Average total assets | $323,237,500 | 2,010 |
| Average earning assets | $292,901,500 | 2,035 |
| Average equity | $41,731,000 | 1,662 |
| Average total loans | $261,811,500 | 1,603 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6027% | 950 |
| Cost of funding earning assets | 0.9663% | 3,601 |
| Net interest margin | 4.6364% | 857 |
| Noninterest income to average assets | 0.6548% | 2,861 |
| Noninterest expense to average assets | 2.8480% | 4,171 |
| Loan and lease loss provision to assets | 1.0149% | 928 |
| Net operating income to assets | 0.6013% | 3,995 |
| Return on assets (ROA) | 0.6013% | 4,184 |
| Pretax return on assets | 0.9834% | 3,304 |
| Return on Equity (ROE) | 4.6267% | 4,560 |
| Retained earnings to average equity (ytd only) | 2.3085% | 4,572 |
| Net charge-offs to loans | 0.8421% | 2,056 |
| Credit loss provision to net charge-offs | 141.7143% | 2,059 |
| Earnings coverage of net charge-offs (x) | 2.7903% | 3,824 |
| Efficiency ratio | 58.7658% | 5,938 |
| Assets per employee ($millions) | 4.8785% | 2,350 |
| Cash dividends to net income (ytd only)* | 50.1047% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6387% | 1,144 |
| Loan loss allowance to noncurrent loans | 159.1251% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 6.2154% | 775 |
| Noncurrent loans to loans | 1.6582% | 3,676 |
| Net loans and leases to total assets | 77.6803% | 746 |
| Net loans and leases to deposits | 89.2145% | 1,243 |
| Net loans and leases to core deposits | 101.0747% | 1,087 |
| Total domestic deposits to total assets | 87.0715% | 2,722 |
| Equity capital to assets | 12.5496% | 1,773 |
| Core capital (leverage) ratio | 13.0989% | 1,104 |
| Tier 1 risk-based capital ratio | 14.3971% | 4,043 |
| Total risk-based capital ratio | 15.6614% | 4,009 |
| Memoranda: | ||
| Average total assets | $317,660,200 | 2,020 |
| Average earning assets | $287,181,400 | 2,040 |
| Average equity | $41,282,400 | 1,625 |
| Average total loans | $270,151,000 | 1,565 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6625% | 913 |
| Cost of funding earning assets | 1.0066% | 3,632 |
| Net interest margin | 4.6559% | 837 |
| Noninterest income to average assets | 0.6209% | 3,049 |
| Noninterest expense to average assets | 2.8322% | 4,226 |
| Loan and lease loss provision to assets | 0.9978% | 867 |
| Net operating income to assets | 0.6099% | 4,043 |
| Return on assets (ROA) | 0.6099% | 4,227 |
| Pretax return on assets | 1.0000% | 3,406 |
| Return on Equity (ROE) | 4.6509% | 4,695 |
| Retained earnings to average equity (ytd only) | 3.0003% | 4,553 |
| Net charge-offs to loans | 0.5898% | 2,488 |
| Credit loss provision to net charge-offs | 195.7535% | 1,495 |
| Earnings coverage of net charge-offs (x) | 3.9192% | 3,242 |
| Efficiency ratio | 58.6380% | 5,911 |
| Assets per employee ($millions) | 4.6644% | 2,665 |
| Cash dividends to net income (ytd only)* | 35.4905% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6765% | 1,156 |
| Loan loss allowance to noncurrent loans | 90.3887% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 6.5820% | 776 |
| Noncurrent loans to loans | 2.9611% | 2,350 |
| Net loans and leases to total assets | 82.3691% | 327 |
| Net loans and leases to deposits | 95.9700% | 698 |
| Net loans and leases to core deposits | 109.1722% | 715 |
| Total domestic deposits to total assets | 85.8280% | 3,315 |
| Equity capital to assets | 13.1174% | 1,551 |
| Core capital (leverage) ratio | 13.4034% | 1,075 |
| Tier 1 risk-based capital ratio | 15.2296% | 3,532 |
| Total risk-based capital ratio | 16.4965% | 3,484 |
| Memoranda: | ||
| Average total assets | $314,140,500 | 2,049 |
| Average earning assets | $283,992,250 | 2,073 |
| Average equity | $41,195,000 | 1,631 |
| Average total loans | $271,518,750 | 1,575 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7192% | 846 |
| Cost of funding earning assets | 1.0332% | 3,721 |
| Net interest margin | 4.6861% | 755 |
| Noninterest income to average assets | 0.6125% | 3,051 |
| Noninterest expense to average assets | 2.7593% | 4,595 |
| Loan and lease loss provision to assets | 0.9498% | 928 |
| Net operating income to assets | 0.6860% | 3,624 |
| Return on assets (ROA) | 0.6860% | 3,740 |
| Pretax return on assets | 1.1273% | 2,735 |
| Return on Equity (ROE) | 5.2316% | 4,347 |
| Retained earnings to average equity (ytd only) | 3.5608% | 3,971 |
| Net charge-offs to loans | 0.8938% | 1,739 |
| Credit loss provision to net charge-offs | 122.0854% | 2,497 |
| Earnings coverage of net charge-offs (x) | 2.6700% | 3,502 |
| Efficiency ratio | 57.0523% | 6,289 |
| Assets per employee ($millions) | 4.5831% | 2,719 |
| Cash dividends to net income (ytd only)* | 31.9367% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3325% | 1,692 |
| Loan loss allowance to noncurrent loans | 64.9964% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 7.7305% | 618 |
| Noncurrent loans to loans | 3.5887% | 1,968 |
| Net loans and leases to total assets | 84.6979% | 193 |
| Net loans and leases to deposits | 98.9248% | 548 |
| Net loans and leases to core deposits | 113.0778% | 614 |
| Total domestic deposits to total assets | 85.6185% | 3,548 |
| Equity capital to assets | 13.2873% | 1,392 |
| Core capital (leverage) ratio | 13.3946% | 1,028 |
| Tier 1 risk-based capital ratio | 14.9004% | 3,548 |
| Total risk-based capital ratio | 16.1630% | 3,514 |
| Memoranda: | ||
| Average total assets | $313,126,670 | 2,052 |
| Average earning assets | $282,241,000 | 2,084 |
| Average equity | $41,058,000 | 1,632 |
| Average total loans | $272,543,330 | 1,588 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6810% | 916 |
| Cost of funding earning assets | 1.0457% | 3,883 |
| Net interest margin | 4.6353% | 806 |
| Noninterest income to average assets | 0.6296% | 2,965 |
| Noninterest expense to average assets | 2.7579% | 4,615 |
| Loan and lease loss provision to assets | 0.8360% | 995 |
| Net operating income to assets | 0.7290% | 3,388 |
| Return on assets (ROA) | 0.7290% | 3,450 |
| Pretax return on assets | 1.1992% | 2,371 |
| Return on Equity (ROE) | 5.5966% | 4,112 |
| Retained earnings to average equity (ytd only) | 3.9724% | 3,789 |
| Net charge-offs to loans | -0.2689% | 7,322 |
| Credit loss provision to net charge-offs | -356.5217% | 5,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5379% | 6,322 |
| Assets per employee ($millions) | 4.7128% | 2,553 |
| Cash dividends to net income (ytd only)* | 29.0210% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5210% | 1,432 |
| Loan loss allowance to noncurrent loans | 148.9707% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 6.3172% | 892 |
| Noncurrent loans to loans | 1.6922% | 3,950 |
| Net loans and leases to total assets | 85.4672% | 155 |
| Net loans and leases to deposits | 99.7000% | 481 |
| Net loans and leases to core deposits | 114.4018% | 589 |
| Total domestic deposits to total assets | 85.7244% | 3,681 |
| Equity capital to assets | 13.2088% | 1,297 |
| Core capital (leverage) ratio | 13.2763% | 1,036 |
| Tier 1 risk-based capital ratio | 14.4691% | 3,760 |
| Total risk-based capital ratio | 15.7334% | 3,709 |
| Memoranda: | ||
| Average total assets | $313,865,000 | 2,074 |
| Average earning assets | $281,922,500 | 2,099 |
| Average equity | $40,882,000 | 1,632 |
| Average total loans | $273,682,500 | 1,603 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5506% | 2,079 |
| Cost of funding earning assets | 1.3502% | 3,572 |
| Net interest margin | 4.2004% | 2,186 |
| Noninterest income to average assets | 0.4764% | 4,340 |
| Noninterest expense to average assets | 3.0122% | 3,799 |
| Loan and lease loss provision to assets | 4.3300% | 133 |
| Net operating income to assets | -1.8228% | 7,007 |
| Return on assets (ROA) | -1.8228% | 7,026 |
| Pretax return on assets | -3.0056% | 7,294 |
| Return on Equity (ROE) | -12.9085% | 6,838 |
| Retained earnings to average equity (ytd only) | -14.7078% | 6,874 |
| Net charge-offs to loans | 3.9108% | 331 |
| Credit loss provision to net charge-offs | 123.9647% | 3,333 |
| Earnings coverage of net charge-offs (x) | 0.3792% | 5,729 |
| Efficiency ratio | 69.4608% | 4,289 |
| Assets per employee ($millions) | 4.7983% | 2,418 |
| Cash dividends to net income (ytd only)* | -13.9388% | 7,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1973% | 1,874 |
| Loan loss allowance to noncurrent loans | 83.3909% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 7.0562% | 769 |
| Noncurrent loans to loans | 2.6350% | 2,886 |
| Net loans and leases to total assets | 84.8204% | 247 |
| Net loans and leases to deposits | 98.4237% | 685 |
| Net loans and leases to core deposits | 111.3291% | 852 |
| Total domestic deposits to total assets | 86.1788% | 3,261 |
| Equity capital to assets | 12.8451% | 1,468 |
| Core capital (leverage) ratio | 12.9413% | 1,149 |
| Tier 1 risk-based capital ratio | 13.9799% | 3,886 |
| Total risk-based capital ratio | 15.2401% | 3,844 |
| Memoranda: | ||
| Average total assets | $320,764,000 | 2,031 |
| Average earning assets | $294,780,200 | 2,015 |
| Average equity | $45,295,600 | 1,476 |
| Average total loans | $286,485,200 | 1,567 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4921% | 2,457 |
| Cost of funding earning assets | 1.4003% | 3,584 |
| Net interest margin | 4.0919% | 2,660 |
| Noninterest income to average assets | 0.4591% | 4,491 |
| Noninterest expense to average assets | 2.6294% | 5,200 |
| Loan and lease loss provision to assets | 3.1983% | 256 |
| Net operating income to assets | -0.9605% | 6,882 |
| Return on assets (ROA) | -0.9605% | 6,920 |
| Pretax return on assets | -1.5836% | 7,067 |
| Return on Equity (ROE) | -6.6536% | 6,768 |
| Retained earnings to average equity (ytd only) | -8.5137% | 6,801 |
| Net charge-offs to loans | 1.2681% | 1,608 |
| Credit loss provision to net charge-offs | 280.3850% | 1,161 |
| Earnings coverage of net charge-offs (x) | 1.4155% | 4,667 |
| Efficiency ratio | 61.9545% | 5,629 |
| Assets per employee ($millions) | 4.7361% | 2,545 |
| Cash dividends to net income (ytd only)* | -27.9552% | 7,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9400% | 867 |
| Loan loss allowance to noncurrent loans | 60.8428% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 9.2263% | 475 |
| Noncurrent loans to loans | 4.8321% | 1,452 |
| Net loans and leases to total assets | 87.8301% | 114 |
| Net loans and leases to deposits | 104.3965% | 413 |
| Net loans and leases to core deposits | 117.9522% | 683 |
| Total domestic deposits to total assets | 84.1313% | 4,044 |
| Equity capital to assets | 14.1962% | 1,112 |
| Core capital (leverage) ratio | 14.2260% | 877 |
| Tier 1 risk-based capital ratio | 15.2059% | 3,152 |
| Total risk-based capital ratio | 16.4755% | 3,112 |
| Memoranda: | ||
| Average total assets | $321,783,000 | 2,048 |
| Average earning assets | $297,653,750 | 2,021 |
| Average equity | $46,449,750 | 1,455 |
| Average total loans | $289,443,750 | 1,562 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4207% | 2,889 |
| Cost of funding earning assets | 1.4264% | 3,705 |
| Net interest margin | 3.9943% | 3,046 |
| Noninterest income to average assets | 0.3873% | 5,014 |
| Noninterest expense to average assets | 2.4676% | 5,849 |
| Loan and lease loss provision to assets | 1.9295% | 636 |
| Net operating income to assets | -0.1761% | 6,327 |
| Return on assets (ROA) | -0.1761% | 6,382 |
| Pretax return on assets | -0.2894% | 6,420 |
| Return on Equity (ROE) | -1.2134% | 6,347 |
| Retained earnings to average equity (ytd only) | -3.2540% | 6,331 |
| Net charge-offs to loans | 0.8120% | 2,221 |
| Credit loss provision to net charge-offs | 264.6959% | 1,433 |
| Earnings coverage of net charge-offs (x) | 2.2500% | 3,880 |
| Efficiency ratio | 60.0719% | 6,036 |
| Assets per employee ($millions) | 4.6276% | 2,688 |
| Cash dividends to net income (ytd only)* | -168.1818% | 7,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8096% | 2,693 |
| Loan loss allowance to noncurrent loans | 37.4056% | 5,866 |
| Noncurrent assets plus other real estate owned to assets | 7.7477% | 649 |
| Noncurrent loans to loans | 4.8378% | 1,456 |
| Net loans and leases to total assets | 91.3905% | 40 |
| Net loans and leases to deposits | 109.4750% | 290 |
| Net loans and leases to core deposits | 121.4446% | 651 |
| Total domestic deposits to total assets | 83.4807% | 4,352 |
| Equity capital to assets | 14.8007% | 924 |
| Core capital (leverage) ratio | 14.8803% | 749 |
| Tier 1 risk-based capital ratio | 15.6317% | 2,836 |
| Total risk-based capital ratio | 16.8883% | 2,797 |
| Memoranda: | ||
| Average total assets | $324,849,670 | 2,043 |
| Average earning assets | $302,579,330 | 2,012 |
| Average equity | $47,141,330 | 1,422 |
| Average total loans | $291,639,000 | 1,572 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2181% | 3,923 |
| Cost of funding earning assets | 1.4465% | 3,900 |
| Net interest margin | 3.7717% | 3,911 |
| Noninterest income to average assets | 0.4025% | 4,899 |
| Noninterest expense to average assets | 2.3544% | 6,230 |
| Loan and lease loss provision to assets | 0.6134% | 2,074 |
| Net operating income to assets | 0.5831% | 3,974 |
| Return on assets (ROA) | 0.5831% | 4,119 |
| Pretax return on assets | 0.9626% | 3,226 |
| Return on Equity (ROE) | 4.0569% | 4,872 |
| Retained earnings to average equity (ytd only) | 1.4170% | 5,234 |
| Net charge-offs to loans | 0.3656% | 2,952 |
| Credit loss provision to net charge-offs | 190.2256% | 1,937 |
| Earnings coverage of net charge-offs (x) | 4.8872% | 2,520 |
| Efficiency ratio | 59.9013% | 6,192 |
| Assets per employee ($millions) | 4.5808% | 2,838 |
| Cash dividends to net income (ytd only)* | 65.0728% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 5,281 |
| Loan loss allowance to noncurrent loans | 21.6918% | 6,924 |
| Noncurrent assets plus other real estate owned to assets | 7.1462% | 745 |
| Noncurrent loans to loans | 5.7144% | 1,187 |
| Net loans and leases to total assets | 91.8255% | 37 |
| Net loans and leases to deposits | 110.5960% | 275 |
| Net loans and leases to core deposits | 125.4765% | 600 |
| Total domestic deposits to total assets | 83.0279% | 4,612 |
| Equity capital to assets | 15.2520% | 820 |
| Core capital (leverage) ratio | 14.5505% | 842 |
| Tier 1 risk-based capital ratio | 16.3751% | 2,492 |
| Total risk-based capital ratio | 17.6124% | 2,456 |
| Memoranda: | ||
| Average total assets | $329,937,500 | 2,067 |
| Average earning assets | $308,615,500 | 2,026 |
| Average equity | $47,425,000 | 1,419 |
| Average total loans | $291,017,500 | 1,617 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7313% | 2,953 |
| Cost of funding earning assets | 1.8335% | 3,819 |
| Net interest margin | 3.8978% | 3,276 |
| Noninterest income to average assets | 0.5865% | 3,740 |
| Noninterest expense to average assets | 2.5559% | 5,935 |
| Loan and lease loss provision to assets | 1.1133% | 2,057 |
| Net operating income to assets | 0.3882% | 4,170 |
| Return on assets (ROA) | 0.3882% | 4,274 |
| Pretax return on assets | 0.5975% | 3,908 |
| Return on Equity (ROE) | 2.6105% | 4,659 |
| Retained earnings to average equity (ytd only) | -1.0497% | 5,275 |
| Net charge-offs to loans | 1.0456% | 2,316 |
| Credit loss provision to net charge-offs | 114.3638% | 4,785 |
| Earnings coverage of net charge-offs (x) | 1.7574% | 4,410 |
| Efficiency ratio | 59.9047% | 6,504 |
| Assets per employee ($millions) | 5.1233% | 2,053 |
| Cash dividends to net income (ytd only)* | 140.2095% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 5,662 |
| Loan loss allowance to noncurrent loans | 28.4163% | 6,575 |
| Noncurrent assets plus other real estate owned to assets | 5.3493% | 1,101 |
| Noncurrent loans to loans | 4.0316% | 1,844 |
| Net loans and leases to total assets | 82.9736% | 548 |
| Net loans and leases to deposits | 97.7416% | 1,132 |
| Net loans and leases to core deposits | 113.5516% | 2,544 |
| Total domestic deposits to total assets | 84.8907% | 3,604 |
| Equity capital to assets | 13.5888% | 1,286 |
| Core capital (leverage) ratio | 14.7180% | 835 |
| Tier 1 risk-based capital ratio | 15.7466% | 2,622 |
| Total risk-based capital ratio | 16.8609% | 2,622 |
| Memoranda: | ||
| Average total assets | $319,691,600 | 2,114 |
| Average earning assets | $301,834,400 | 2,059 |
| Average equity | $47,538,600 | 1,413 |
| Average total loans | $297,637,400 | 1,611 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8112% | 2,839 |
| Cost of funding earning assets | 1.9302% | 3,718 |
| Net interest margin | 3.8811% | 3,302 |
| Noninterest income to average assets | 0.6434% | 3,393 |
| Noninterest expense to average assets | 2.4484% | 6,257 |
| Loan and lease loss provision to assets | 1.2987% | 1,481 |
| Net operating income to assets | 0.3835% | 4,462 |
| Return on assets (ROA) | 0.3835% | 4,568 |
| Pretax return on assets | 0.5772% | 4,270 |
| Return on Equity (ROE) | 2.5188% | 4,983 |
| Retained earnings to average equity (ytd only) | -1.5129% | 5,612 |
| Net charge-offs to loans | 1.2965% | 1,582 |
| Credit loss provision to net charge-offs | 104.7128% | 4,852 |
| Earnings coverage of net charge-offs (x) | 1.5126% | 4,651 |
| Efficiency ratio | 56.6200% | 6,920 |
| Assets per employee ($millions) | 4.6007% | 2,697 |
| Cash dividends to net income (ytd only)* | 160.0664% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 6,226 |
| Loan loss allowance to noncurrent loans | 25.7649% | 6,735 |
| Noncurrent assets plus other real estate owned to assets | 5.9330% | 917 |
| Noncurrent loans to loans | 3.9198% | 1,878 |
| Net loans and leases to total assets | 93.8642% | 24 |
| Net loans and leases to deposits | 113.9626% | 329 |
| Net loans and leases to core deposits | 130.6521% | 1,394 |
| Total domestic deposits to total assets | 82.3640% | 4,516 |
| Equity capital to assets | 14.9001% | 1,033 |
| Core capital (leverage) ratio | 14.9202% | 874 |
| Tier 1 risk-based capital ratio | 15.7526% | 2,716 |
| Total risk-based capital ratio | 16.7650% | 2,761 |
| Memoranda: | ||
| Average total assets | $312,519,000 | 2,160 |
| Average earning assets | $296,406,500 | 2,115 |
| Average equity | $47,588,000 | 1,437 |
| Average total loans | $298,943,000 | 1,626 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8003% | 3,041 |
| Cost of funding earning assets | 1.9539% | 3,985 |
| Net interest margin | 3.8464% | 3,351 |
| Noninterest income to average assets | 0.7038% | 2,968 |
| Noninterest expense to average assets | 2.5174% | 6,061 |
| Loan and lease loss provision to assets | 0.8254% | 2,033 |
| Net operating income to assets | 0.6523% | 3,456 |
| Return on assets (ROA) | 0.6523% | 3,564 |
| Pretax return on assets | 1.0210% | 2,925 |
| Return on Equity (ROE) | 4.2530% | 4,395 |
| Retained earnings to average equity (ytd only) | -0.5411% | 5,360 |
| Net charge-offs to loans | 1.0092% | 1,754 |
| Credit loss provision to net charge-offs | 85.2492% | 5,057 |
| Earnings coverage of net charge-offs (x) | 1.9070% | 4,153 |
| Efficiency ratio | 57.6883% | 6,909 |
| Assets per employee ($millions) | 4.5141% | 2,750 |
| Cash dividends to net income (ytd only)* | 112.7219% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8821% | 6,842 |
| Loan loss allowance to noncurrent loans | 21.8322% | 7,026 |
| Noncurrent assets plus other real estate owned to assets | 4.7411% | 1,165 |
| Noncurrent loans to loans | 4.0405% | 1,668 |
| Net loans and leases to total assets | 95.3339% | 15 |
| Net loans and leases to deposits | 117.1798% | 295 |
| Net loans and leases to core deposits | 134.2460% | 1,303 |
| Total domestic deposits to total assets | 81.3570% | 4,943 |
| Equity capital to assets | 15.0992% | 1,012 |
| Core capital (leverage) ratio | 15.4505% | 831 |
| Tier 1 risk-based capital ratio | 15.9070% | 2,660 |
| Total risk-based capital ratio | 16.8008% | 2,723 |
| Memoranda: | ||
| Average total assets | $310,876,330 | 2,193 |
| Average earning assets | $295,812,670 | 2,141 |
| Average equity | $47,684,000 | 1,444 |
| Average total loans | $298,254,330 | 1,663 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7149% | 3,719 |
| Cost of funding earning assets | 1.9482% | 4,384 |
| Net interest margin | 3.7667% | 3,594 |
| Noninterest income to average assets | 0.5656% | 3,786 |
| Noninterest expense to average assets | 2.3041% | 6,525 |
| Loan and lease loss provision to assets | 0.8173% | 1,583 |
| Net operating income to assets | 0.6539% | 3,778 |
| Return on assets (ROA) | 0.6539% | 3,963 |
| Pretax return on assets | 1.0236% | 3,266 |
| Return on Equity (ROE) | 4.2290% | 4,828 |
| Retained earnings to average equity (ytd only) | -2.8445% | 6,250 |
| Net charge-offs to loans | 1.0250% | 1,313 |
| Credit loss provision to net charge-offs | 83.2232% | 4,144 |
| Earnings coverage of net charge-offs (x) | 1.8745% | 3,789 |
| Efficiency ratio | 55.5869% | 7,019 |
| Assets per employee ($millions) | 4.4312% | 2,827 |
| Cash dividends to net income (ytd only)* | 167.2619% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9267% | 6,621 |
| Loan loss allowance to noncurrent loans | 27.3201% | 6,741 |
| Noncurrent assets plus other real estate owned to assets | 3.7404% | 1,415 |
| Noncurrent loans to loans | 3.3921% | 1,890 |
| Net loans and leases to total assets | 95.6758% | 12 |
| Net loans and leases to deposits | 116.8077% | 366 |
| Net loans and leases to core deposits | 130.7546% | 1,612 |
| Total domestic deposits to total assets | 81.9088% | 4,585 |
| Equity capital to assets | 15.3138% | 1,009 |
| Core capital (leverage) ratio | 15.5934% | 846 |
| Tier 1 risk-based capital ratio | 16.1570% | 2,632 |
| Total risk-based capital ratio | 17.1013% | 2,684 |
| Memoranda: | ||
| Average total assets | $308,322,500 | 2,223 |
| Average earning assets | $292,986,500 | 2,169 |
| Average equity | $47,670,500 | 1,443 |
| Average total loans | $295,421,000 | 1,685 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7905% | 1,709 |
| Cost of funding earning assets | 2.5029% | 4,193 |
| Net interest margin | 4.2877% | 2,023 |
| Noninterest income to average assets | 0.4809% | 4,789 |
| Noninterest expense to average assets | 2.4471% | 6,222 |
| Loan and lease loss provision to assets | 0.5379% | 2,673 |
| Net operating income to assets | 0.9737% | 2,675 |
| Return on assets (ROA) | 0.9737% | 2,554 |
| Pretax return on assets | 1.5574% | 1,520 |
| Return on Equity (ROE) | 5.9486% | 3,963 |
| Retained earnings to average equity (ytd only) | 3.6845% | 2,856 |
| Net charge-offs to loans | 0.1184% | 5,080 |
| Credit loss provision to net charge-offs | 479.8762% | 922 |
| Earnings coverage of net charge-offs (x) | 18.6935% | 1,687 |
| Efficiency ratio | 53.8732% | 7,275 |
| Assets per employee ($millions) | 4.5068% | 2,605 |
| Cash dividends to net income (ytd only)* | 38.0613% | 3,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9966% | 6,092 |
| Loan loss allowance to noncurrent loans | 29.6436% | 6,726 |
| Noncurrent assets plus other real estate owned to assets | 3.7577% | 1,145 |
| Noncurrent loans to loans | 3.3619% | 1,536 |
| Net loans and leases to total assets | 94.1040% | 30 |
| Net loans and leases to deposits | 115.3245% | 555 |
| Net loans and leases to core deposits | 126.2684% | 2,142 |
| Total domestic deposits to total assets | 81.5993% | 4,366 |
| Equity capital to assets | 15.6105% | 1,024 |
| Core capital (leverage) ratio | 16.3239% | 778 |
| Tier 1 risk-based capital ratio | 16.2741% | 2,560 |
| Total risk-based capital ratio | 17.2616% | 2,605 |
| Memoranda: | ||
| Average total assets | $288,181,800 | 2,268 |
| Average earning assets | $272,968,400 | 2,213 |
| Average equity | $47,170,800 | 1,451 |
| Average total loans | $272,860,600 | 1,753 |