Home > Casey State Bank > Performance and Condition Ratios
Casey State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1454% | 1,764 |
| Cost of funding earning assets | 1.5274% | 1,874 |
| Net interest margin | 3.6180% | 1,937 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.1079% | 3,389 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 1.4666% | 1,084 |
| Return on assets (ROA) | 1.4854% | 1,013 |
| Pretax return on assets | 1.5089% | 1,396 |
| Return on Equity (ROE) | 16.5700% | 1,007 |
| Retained earnings to average equity (ytd only) | 6.9118% | 1,917 |
| Net charge-offs to loans | 0.0464% | 1,415 |
| Credit loss provision to net charge-offs | 442.9448% | 728 |
| Earnings coverage of net charge-offs (x) | 44.8589% | 1,362 |
| Efficiency ratio | 56.0498% | 3,492 |
| Assets per employee ($millions) | 6.2411% | 2,597 |
| Cash dividends to net income (ytd only)* | 58.2864% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 1,264 |
| Loan loss allowance to noncurrent loans | 164.3923% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.6921% | 753 |
| Noncurrent loans to loans | 0.8720% | 874 |
| Net loans and leases to total assets | 78.2400% | 847 |
| Net loans and leases to deposits | 86.1968% | 1,601 |
| Net loans and leases to core deposits | 101.8326% | 1,340 |
| Total domestic deposits to total assets | 90.7600% | 567 |
| Equity capital to assets | 8.8358% | 2,794 |
| Core capital (leverage) ratio | 10.1306% | 2,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $442,374,200 | 1,886 |
| Average earning assets | $416,777,800 | 1,847 |
| Average equity | $39,656,600 | 1,898 |
| Average total loans | $351,010,000 | 1,609 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0059% | 1,817 |
| Cost of funding earning assets | 1.2901% | 2,174 |
| Net interest margin | 3.7158% | 1,744 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.0783% | 3,398 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.5663% | 990 |
| Return on assets (ROA) | 1.5835% | 956 |
| Pretax return on assets | 1.6087% | 1,338 |
| Return on Equity (ROE) | 17.6000% | 995 |
| Retained earnings to average equity (ytd only) | 7.0223% | 2,276 |
| Net charge-offs to loans | 0.0484% | 1,201 |
| Credit loss provision to net charge-offs | 480.0000% | 654 |
| Earnings coverage of net charge-offs (x) | 46.2720% | 1,356 |
| Efficiency ratio | 53.9307% | 3,593 |
| Assets per employee ($millions) | 6.1318% | 2,631 |
| Cash dividends to net income (ytd only)* | 60.0892% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4757% | 1,177 |
| Loan loss allowance to noncurrent loans | 153.5622% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.7543% | 742 |
| Noncurrent loans to loans | 0.9610% | 856 |
| Net loans and leases to total assets | 77.2900% | 965 |
| Net loans and leases to deposits | 86.5835% | 1,501 |
| Net loans and leases to core deposits | 101.7505% | 1,228 |
| Total domestic deposits to total assets | 89.2700% | 1,163 |
| Equity capital to assets | 8.3627% | 2,819 |
| Core capital (leverage) ratio | 10.3909% | 2,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $434,387,750 | 1,904 |
| Average earning assets | $409,051,750 | 1,877 |
| Average equity | $39,093,250 | 1,902 |
| Average total loans | $344,641,750 | 1,627 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8678% | 1,842 |
| Cost of funding earning assets | 1.0652% | 2,400 |
| Net interest margin | 3.8026% | 1,617 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.0996% | 3,348 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.6618% | 849 |
| Return on assets (ROA) | 1.7004% | 779 |
| Pretax return on assets | 1.7291% | 1,151 |
| Return on Equity (ROE) | 18.4300% | 901 |
| Retained earnings to average equity (ytd only) | 6.8236% | 2,347 |
| Net charge-offs to loans | 0.0595% | 951 |
| Credit loss provision to net charge-offs | 297.0297% | 872 |
| Earnings coverage of net charge-offs (x) | 38.5941% | 1,421 |
| Efficiency ratio | 53.4233% | 3,657 |
| Assets per employee ($millions) | 5.8915% | 2,803 |
| Cash dividends to net income (ytd only)* | 62.9660% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4419% | 1,381 |
| Loan loss allowance to noncurrent loans | 482.1394% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.2434% | 1,977 |
| Noncurrent loans to loans | 0.2991% | 2,059 |
| Net loans and leases to total assets | 80.2300% | 608 |
| Net loans and leases to deposits | 90.0722% | 1,179 |
| Net loans and leases to core deposits | 104.5503% | 1,032 |
| Total domestic deposits to total assets | 89.0700% | 1,236 |
| Equity capital to assets | 9.1548% | 2,410 |
| Core capital (leverage) ratio | 10.7270% | 2,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $425,887,667 | 1,932 |
| Average earning assets | $401,247,000 | 1,904 |
| Average equity | $39,304,667 | 1,903 |
| Average total loans | $339,263,333 | 1,632 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8252% | 1,567 |
| Cost of funding earning assets | 0.8784% | 2,442 |
| Net interest margin | 3.9468% | 1,374 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.2181% | 3,048 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.7197% | 791 |
| Return on assets (ROA) | 1.7197% | 784 |
| Pretax return on assets | 1.7565% | 1,157 |
| Return on Equity (ROE) | 18.5600% | 956 |
| Retained earnings to average equity (ytd only) | 12.4470% | 1,185 |
| Net charge-offs to loans | 0.0767% | 688 |
| Credit loss provision to net charge-offs | 234.3750% | 768 |
| Earnings coverage of net charge-offs (x) | 31.4219% | 1,284 |
| Efficiency ratio | 53.8867% | 3,612 |
| Assets per employee ($millions) | 5.9556% | 2,804 |
| Cash dividends to net income (ytd only)* | 32.9308% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4838% | 1,327 |
| Loan loss allowance to noncurrent loans | 1,155.7377% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 2,807 |
| Noncurrent loans to loans | 0.1284% | 2,870 |
| Net loans and leases to total assets | 78.6000% | 699 |
| Net loans and leases to deposits | 87.1928% | 1,278 |
| Net loans and leases to core deposits | 97.6726% | 1,195 |
| Total domestic deposits to total assets | 90.1400% | 1,110 |
| Equity capital to assets | 9.5071% | 2,137 |
| Core capital (leverage) ratio | 10.8534% | 1,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $423,791,000 | 1,961 |
| Average earning assets | $399,815,000 | 1,936 |
| Average equity | $39,270,500 | 1,927 |
| Average total loans | $333,852,500 | 1,668 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2505% | 1,155 |
| Cost of funding earning assets | 0.4807% | 1,526 |
| Net interest margin | 3.7697% | 1,223 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.0886% | 3,333 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.7909% | 452 |
| Return on assets (ROA) | 1.7750% | 446 |
| Pretax return on assets | 1.7962% | 743 |
| Return on Equity (ROE) | 19.6800% | 508 |
| Retained earnings to average equity (ytd only) | 12.4525% | 595 |
| Net charge-offs to loans | 0.0345% | 1,390 |
| Credit loss provision to net charge-offs | 283.0189% | 942 |
| Earnings coverage of net charge-offs (x) | 75.2170% | 1,120 |
| Efficiency ratio | 52.5868% | 3,928 |
| Assets per employee ($millions) | 6.3337% | 2,483 |
| Cash dividends to net income (ytd only)* | 36.7265% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4452% | 1,355 |
| Loan loss allowance to noncurrent loans | 446.3594% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.2575% | 1,873 |
| Noncurrent loans to loans | 0.3238% | 1,991 |
| Net loans and leases to total assets | 76.6800% | 940 |
| Net loans and leases to deposits | 84.6048% | 1,413 |
| Net loans and leases to core deposits | 91.6778% | 1,412 |
| Total domestic deposits to total assets | 90.6300% | 1,096 |
| Equity capital to assets | 9.0336% | 2,337 |
| Core capital (leverage) ratio | 10.6285% | 2,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $423,385,000 | 1,938 |
| Average earning assets | $397,933,000 | 1,924 |
| Average equity | $38,185,000 | 1,986 |
| Average total loans | $307,273,600 | 1,693 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1365% | 996 |
| Cost of funding earning assets | 0.4321% | 1,089 |
| Net interest margin | 3.7043% | 1,124 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 1.9666% | 3,567 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.7272% | 497 |
| Return on assets (ROA) | 1.7272% | 486 |
| Pretax return on assets | 1.8553% | 651 |
| Return on Equity (ROE) | 19.1600% | 517 |
| Retained earnings to average equity (ytd only) | 11.9316% | 811 |
| Net charge-offs to loans | 0.0386% | 1,108 |
| Credit loss provision to net charge-offs | 258.6207% | 887 |
| Earnings coverage of net charge-offs (x) | 70.0115% | 1,107 |
| Efficiency ratio | 50.5159% | 4,128 |
| Assets per employee ($millions) | 6.4529% | 2,360 |
| Cash dividends to net income (ytd only)* | 37.7220% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 1,289 |
| Loan loss allowance to noncurrent loans | 999.1649% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.1142% | 2,827 |
| Noncurrent loans to loans | 0.1502% | 2,859 |
| Net loans and leases to total assets | 74.9000% | 1,020 |
| Net loans and leases to deposits | 82.4162% | 1,412 |
| Net loans and leases to core deposits | 89.4192% | 1,336 |
| Total domestic deposits to total assets | 90.8900% | 1,283 |
| Equity capital to assets | 8.6170% | 2,469 |
| Core capital (leverage) ratio | 10.1126% | 2,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $421,558,250 | 1,961 |
| Average earning assets | $395,849,750 | 1,943 |
| Average equity | $38,004,500 | 2,023 |
| Average total loans | $300,316,250 | 1,711 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8623% | 1,185 |
| Cost of funding earning assets | 0.3953% | 944 |
| Net interest margin | 3.4671% | 1,403 |
| Noninterest income to average assets | 0.5324% | 2,031 |
| Noninterest expense to average assets | 1.9026% | 3,693 |
| Loan and lease loss provision to assets | 0.0710% | 1,345 |
| Net operating income to assets | 1.6899% | 437 |
| Return on assets (ROA) | 1.6899% | 431 |
| Pretax return on assets | 1.8074% | 589 |
| Return on Equity (ROE) | 18.4751% | 421 |
| Retained earnings to average equity (ytd only) | 11.9508% | 612 |
| Net charge-offs to loans | 0.0632% | 776 |
| Credit loss provision to net charge-offs | 161.2903% | 1,062 |
| Earnings coverage of net charge-offs (x) | 42.6452% | 1,228 |
| Efficiency ratio | 50.3194% | 4,230 |
| Assets per employee ($millions) | 6.2648% | 2,505 |
| Cash dividends to net income (ytd only)* | 35.3139% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5170% | 1,362 |
| Loan loss allowance to noncurrent loans | 968.1070% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 2,581 |
| Noncurrent loans to loans | 0.1567% | 2,907 |
| Net loans and leases to total assets | 72.7717% | 1,034 |
| Net loans and leases to deposits | 79.9976% | 1,387 |
| Net loans and leases to core deposits | 86.7982% | 1,277 |
| Total domestic deposits to total assets | 90.9673% | 1,258 |
| Equity capital to assets | 8.6103% | 2,684 |
| Core capital (leverage) ratio | 9.7353% | 2,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $422,264,333 | 1,969 |
| Average earning assets | $395,666,667 | 1,958 |
| Average equity | $38,625,000 | 2,054 |
| Average total loans | $294,100,333 | 1,731 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7269% | 1,230 |
| Cost of funding earning assets | 0.3988% | 879 |
| Net interest margin | 3.3281% | 1,505 |
| Noninterest income to average assets | 0.3712% | 2,862 |
| Noninterest expense to average assets | 1.9342% | 3,594 |
| Loan and lease loss provision to assets | 0.0708% | 1,161 |
| Net operating income to assets | 1.4422% | 722 |
| Return on assets (ROA) | 1.4422% | 719 |
| Pretax return on assets | 1.4639% | 1,093 |
| Return on Equity (ROE) | 15.3209% | 611 |
| Retained earnings to average equity (ytd only) | 9.7023% | 1,093 |
| Net charge-offs to loans | 0.0979% | 528 |
| Credit loss provision to net charge-offs | 107.1429% | 974 |
| Earnings coverage of net charge-offs (x) | 23.2143% | 1,229 |
| Efficiency ratio | 55.7582% | 3,899 |
| Assets per employee ($millions) | 6.6959% | 2,225 |
| Cash dividends to net income (ytd only)* | 36.6732% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6138% | 1,234 |
| Loan loss allowance to noncurrent loans | 698.6486% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 2,695 |
| Noncurrent loans to loans | 0.2310% | 2,669 |
| Net loans and leases to total assets | 67.2448% | 1,287 |
| Net loans and leases to deposits | 74.4991% | 1,560 |
| Net loans and leases to core deposits | 81.3772% | 1,393 |
| Total domestic deposits to total assets | 90.2625% | 1,404 |
| Equity capital to assets | 9.2297% | 2,504 |
| Core capital (leverage) ratio | 9.4757% | 2,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $423,525,000 | 1,970 |
| Average earning assets | $394,218,500 | 1,973 |
| Average equity | $39,867,000 | 2,059 |
| Average total loans | $286,071,000 | 1,762 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8849% | 1,657 |
| Cost of funding earning assets | 0.5209% | 840 |
| Net interest margin | 3.3640% | 2,133 |
| Noninterest income to average assets | 0.4310% | 2,898 |
| Noninterest expense to average assets | 1.8931% | 3,937 |
| Loan and lease loss provision to assets | 0.1892% | 589 |
| Net operating income to assets | 1.4909% | 1,039 |
| Return on assets (ROA) | 1.4946% | 1,082 |
| Pretax return on assets | 1.5206% | 1,650 |
| Return on Equity (ROE) | 14.8811% | 978 |
| Retained earnings to average equity (ytd only) | 7.2823% | 1,814 |
| Net charge-offs to loans | 0.0695% | 1,099 |
| Credit loss provision to net charge-offs | 394.7368% | 915 |
| Earnings coverage of net charge-offs (x) | 35.6000% | 1,496 |
| Efficiency ratio | 52.5999% | 4,076 |
| Assets per employee ($millions) | 6.7493% | 2,107 |
| Cash dividends to net income (ytd only)* | 51.0631% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6377% | 1,180 |
| Loan loss allowance to noncurrent loans | 386.6889% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.3403% | 1,867 |
| Noncurrent loans to loans | 0.4235% | 2,079 |
| Net loans and leases to total assets | 65.6559% | 1,513 |
| Net loans and leases to deposits | 73.0141% | 1,810 |
| Net loans and leases to core deposits | 79.7277% | 1,616 |
| Total domestic deposits to total assets | 89.9223% | 993 |
| Equity capital to assets | 9.5951% | 3,048 |
| Core capital (leverage) ratio | 9.6996% | 2,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $396,491,200 | 2,003 |
| Average earning assets | $373,395,600 | 1,992 |
| Average equity | $39,822,400 | 2,087 |
| Average total loans | $273,266,000 | 1,821 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8803% | 1,813 |
| Cost of funding earning assets | 0.5453% | 855 |
| Net interest margin | 3.3351% | 2,319 |
| Noninterest income to average assets | 0.4668% | 2,765 |
| Noninterest expense to average assets | 1.9963% | 3,685 |
| Loan and lease loss provision to assets | 0.2569% | 352 |
| Net operating income to assets | 1.3570% | 1,665 |
| Return on assets (ROA) | 1.3620% | 1,708 |
| Pretax return on assets | 1.3881% | 2,387 |
| Return on Equity (ROE) | 13.3976% | 1,578 |
| Retained earnings to average equity (ytd only) | 5.8987% | 2,873 |
| Net charge-offs to loans | 0.0424% | 1,253 |
| Credit loss provision to net charge-offs | 872.0930% | 555 |
| Earnings coverage of net charge-offs (x) | 55.6744% | 1,175 |
| Efficiency ratio | 54.9025% | 3,676 |
| Assets per employee ($millions) | 6.2528% | 2,449 |
| Cash dividends to net income (ytd only)* | 55.9718% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7229% | 1,064 |
| Loan loss allowance to noncurrent loans | 144.9222% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.8946% | 772 |
| Noncurrent loans to loans | 1.1888% | 939 |
| Net loans and leases to total assets | 67.7364% | 1,351 |
| Net loans and leases to deposits | 75.7468% | 1,692 |
| Net loans and leases to core deposits | 83.5756% | 1,460 |
| Total domestic deposits to total assets | 89.4248% | 1,054 |
| Equity capital to assets | 10.0567% | 2,843 |
| Core capital (leverage) ratio | 9.6278% | 2,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $389,312,500 | 2,048 |
| Average earning assets | $369,960,000 | 2,024 |
| Average equity | $39,578,250 | 2,124 |
| Average total loans | $270,627,250 | 1,868 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8929% | 1,834 |
| Cost of funding earning assets | 0.5684% | 871 |
| Net interest margin | 3.3245% | 2,363 |
| Noninterest income to average assets | 0.4791% | 2,715 |
| Noninterest expense to average assets | 1.9975% | 3,706 |
| Loan and lease loss provision to assets | 0.3889% | 169 |
| Net operating income to assets | 1.2253% | 2,094 |
| Return on assets (ROA) | 1.2253% | 2,165 |
| Pretax return on assets | 1.2528% | 2,756 |
| Return on Equity (ROE) | 12.0083% | 2,066 |
| Retained earnings to average equity (ytd only) | 4.7922% | 3,260 |
| Net charge-offs to loans | -0.0126% | 3,771 |
| Credit loss provision to net charge-offs | -4,411.7647% | 3,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8874% | 3,690 |
| Assets per employee ($millions) | 5.9605% | 2,659 |
| Cash dividends to net income (ytd only)* | 60.0931% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8100% | 868 |
| Loan loss allowance to noncurrent loans | 138.7032% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.9931% | 759 |
| Noncurrent loans to loans | 1.3050% | 901 |
| Net loans and leases to total assets | 66.9617% | 1,588 |
| Net loans and leases to deposits | 74.8510% | 1,922 |
| Net loans and leases to core deposits | 82.4589% | 1,685 |
| Total domestic deposits to total assets | 89.4600% | 1,048 |
| Equity capital to assets | 10.0408% | 2,815 |
| Core capital (leverage) ratio | 9.4212% | 2,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $385,689,333 | 2,053 |
| Average earning assets | $366,613,667 | 2,029 |
| Average equity | $39,356,000 | 2,123 |
| Average total loans | $268,896,000 | 1,881 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9560% | 1,690 |
| Cost of funding earning assets | 0.5924% | 905 |
| Net interest margin | 3.3637% | 2,209 |
| Noninterest income to average assets | 0.4986% | 2,620 |
| Noninterest expense to average assets | 1.9830% | 3,772 |
| Loan and lease loss provision to assets | 0.4714% | 149 |
| Net operating income to assets | 1.2110% | 2,102 |
| Return on assets (ROA) | 1.2110% | 2,189 |
| Pretax return on assets | 1.2445% | 2,718 |
| Return on Equity (ROE) | 11.7707% | 2,103 |
| Retained earnings to average equity (ytd only) | 11.7707% | 1,210 |
| Net charge-offs to loans | -0.0253% | 4,104 |
| Credit loss provision to net charge-offs | -2,647.0588% | 3,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6109% | 3,831 |
| Assets per employee ($millions) | 6.0858% | 2,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7008% | 1,044 |
| Loan loss allowance to noncurrent loans | 120.9185% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 1.0549% | 772 |
| Noncurrent loans to loans | 1.4065% | 899 |
| Net loans and leases to total assets | 66.5522% | 1,727 |
| Net loans and leases to deposits | 74.3970% | 2,084 |
| Net loans and leases to core deposits | 82.6633% | 1,788 |
| Total domestic deposits to total assets | 89.4555% | 1,093 |
| Equity capital to assets | 9.9909% | 2,718 |
| Core capital (leverage) ratio | 9.6497% | 2,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $381,836,500 | 2,055 |
| Average earning assets | $363,292,000 | 2,029 |
| Average equity | $39,284,000 | 2,113 |
| Average total loans | $269,204,000 | 1,878 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4477% | 1,443 |
| Cost of funding earning assets | 0.8249% | 1,108 |
| Net interest margin | 3.6228% | 2,064 |
| Noninterest income to average assets | 0.5192% | 2,550 |
| Noninterest expense to average assets | 2.2042% | 3,653 |
| Loan and lease loss provision to assets | 0.3659% | 909 |
| Net operating income to assets | 1.3563% | 1,112 |
| Return on assets (ROA) | 1.3563% | 1,201 |
| Pretax return on assets | 1.3768% | 1,738 |
| Return on Equity (ROE) | 12.7591% | 1,104 |
| Retained earnings to average equity (ytd only) | 5.2580% | 2,156 |
| Net charge-offs to loans | 0.2519% | 687 |
| Credit loss provision to net charge-offs | 198.1424% | 2,170 |
| Earnings coverage of net charge-offs (x) | 9.4365% | 2,523 |
| Efficiency ratio | 55.8453% | 4,003 |
| Assets per employee ($millions) | 5.7515% | 2,580 |
| Cash dividends to net income (ytd only)* | 58.7901% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5108% | 1,544 |
| Loan loss allowance to noncurrent loans | 280.7692% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.4906% | 2,092 |
| Noncurrent loans to loans | 0.5381% | 2,366 |
| Net loans and leases to total assets | 72.3996% | 1,241 |
| Net loans and leases to deposits | 81.5163% | 1,709 |
| Net loans and leases to core deposits | 91.6446% | 1,412 |
| Total domestic deposits to total assets | 88.8161% | 1,065 |
| Equity capital to assets | 10.6076% | 2,586 |
| Core capital (leverage) ratio | 9.9168% | 2,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5771% | 2,411 |
| Memoranda: | ||
| Average total assets | $349,787,800 | 2,056 |
| Average earning assets | $330,956,000 | 2,017 |
| Average equity | $37,181,400 | 2,120 |
| Average total loans | $256,484,800 | 1,890 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5126% | 1,536 |
| Cost of funding earning assets | 0.8547% | 1,233 |
| Net interest margin | 3.6579% | 2,076 |
| Noninterest income to average assets | 0.5129% | 2,551 |
| Noninterest expense to average assets | 2.1667% | 3,759 |
| Loan and lease loss provision to assets | 0.3013% | 1,339 |
| Net operating income to assets | 1.4820% | 937 |
| Return on assets (ROA) | 1.4820% | 1,022 |
| Pretax return on assets | 1.5028% | 1,444 |
| Return on Equity (ROE) | 13.9339% | 893 |
| Retained earnings to average equity (ytd only) | 7.1649% | 1,626 |
| Net charge-offs to loans | 0.3315% | 471 |
| Credit loss provision to net charge-offs | 124.0064% | 2,478 |
| Earnings coverage of net charge-offs (x) | 7.4261% | 2,577 |
| Efficiency ratio | 54.5667% | 4,090 |
| Assets per employee ($millions) | 5.5166% | 2,692 |
| Cash dividends to net income (ytd only)* | 48.5796% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 1,840 |
| Loan loss allowance to noncurrent loans | 54.0885% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 1.8979% | 371 |
| Noncurrent loans to loans | 2.5453% | 408 |
| Net loans and leases to total assets | 70.9287% | 1,827 |
| Net loans and leases to deposits | 79.8444% | 2,335 |
| Net loans and leases to core deposits | 91.0809% | 1,880 |
| Total domestic deposits to total assets | 88.8337% | 847 |
| Equity capital to assets | 10.6563% | 2,665 |
| Core capital (leverage) ratio | 10.0734% | 2,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8430% | 2,268 |
| Memoranda: | ||
| Average total assets | $345,211,500 | 2,053 |
| Average earning assets | $326,334,250 | 2,023 |
| Average equity | $36,715,250 | 2,128 |
| Average total loans | $252,959,500 | 1,905 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6227% | 1,596 |
| Cost of funding earning assets | 0.8899% | 1,420 |
| Net interest margin | 3.7328% | 2,044 |
| Noninterest income to average assets | 0.4331% | 2,887 |
| Noninterest expense to average assets | 2.1828% | 3,848 |
| Loan and lease loss provision to assets | 0.2833% | 1,518 |
| Net operating income to assets | 1.4706% | 978 |
| Return on assets (ROA) | 1.4706% | 1,065 |
| Pretax return on assets | 1.4918% | 1,471 |
| Return on Equity (ROE) | 13.8365% | 913 |
| Retained earnings to average equity (ytd only) | 8.4118% | 1,190 |
| Net charge-offs to loans | 0.4928% | 326 |
| Credit loss provision to net charge-offs | 77.9221% | 2,515 |
| Earnings coverage of net charge-offs (x) | 4.8831% | 2,558 |
| Efficiency ratio | 55.1513% | 4,046 |
| Assets per employee ($millions) | 5.3799% | 2,755 |
| Cash dividends to net income (ytd only)* | 39.2055% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 1,893 |
| Loan loss allowance to noncurrent loans | 42.4297% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 2.2440% | 288 |
| Noncurrent loans to loans | 3.1209% | 294 |
| Net loans and leases to total assets | 69.6331% | 2,089 |
| Net loans and leases to deposits | 78.4397% | 2,609 |
| Net loans and leases to core deposits | 88.4748% | 2,198 |
| Total domestic deposits to total assets | 88.7728% | 832 |
| Equity capital to assets | 10.7068% | 2,568 |
| Core capital (leverage) ratio | 10.3555% | 2,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1681% | 2,111 |
| Memoranda: | ||
| Average total assets | $338,917,000 | 2,056 |
| Average earning assets | $320,027,333 | 2,028 |
| Average equity | $36,020,667 | 2,161 |
| Average total loans | $249,995,000 | 1,902 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8103% | 1,391 |
| Cost of funding earning assets | 0.9331% | 1,725 |
| Net interest margin | 3.8773% | 1,741 |
| Noninterest income to average assets | 0.3373% | 3,498 |
| Noninterest expense to average assets | 2.2162% | 3,970 |
| Loan and lease loss provision to assets | 0.2176% | 1,419 |
| Net operating income to assets | 1.5343% | 719 |
| Return on assets (ROA) | 1.5343% | 789 |
| Pretax return on assets | 1.5560% | 1,162 |
| Return on Equity (ROE) | 14.4935% | 611 |
| Retained earnings to average equity (ytd only) | 14.4935% | 219 |
| Net charge-offs to loans | 0.0304% | 1,773 |
| Credit loss provision to net charge-offs | 947.3684% | 601 |
| Earnings coverage of net charge-offs (x) | 77.2105% | 685 |
| Efficiency ratio | 55.5455% | 4,253 |
| Assets per employee ($millions) | 5.1331% | 2,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4594% | 1,491 |
| Loan loss allowance to noncurrent loans | 51.4957% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 2.1040% | 373 |
| Noncurrent loans to loans | 2.8340% | 394 |
| Net loans and leases to total assets | 73.1573% | 1,756 |
| Net loans and leases to deposits | 82.2170% | 2,427 |
| Net loans and leases to core deposits | 94.0153% | 1,975 |
| Total domestic deposits to total assets | 88.9807% | 675 |
| Equity capital to assets | 10.4322% | 3,383 |
| Core capital (leverage) ratio | 10.6148% | 2,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2722% | 2,165 |
| Memoranda: | ||
| Average total assets | $330,838,500 | 2,038 |
| Average earning assets | $311,661,500 | 2,016 |
| Average equity | $35,022,500 | 2,201 |
| Average total loans | $249,709,000 | 1,856 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7971% | 2,048 |
| Cost of funding earning assets | 0.9263% | 2,076 |
| Net interest margin | 3.8708% | 2,270 |
| Noninterest income to average assets | 0.3123% | 3,823 |
| Noninterest expense to average assets | 2.3636% | 3,794 |
| Loan and lease loss provision to assets | 0.2629% | 686 |
| Net operating income to assets | 1.2987% | 1,692 |
| Return on assets (ROA) | 1.2907% | 1,805 |
| Pretax return on assets | 1.3123% | 2,469 |
| Return on Equity (ROE) | 12.2561% | 1,416 |
| Retained earnings to average equity (ytd only) | 4.9898% | 2,424 |
| Net charge-offs to loans | 0.0820% | 1,946 |
| Credit loss provision to net charge-offs | 435.2332% | 658 |
| Earnings coverage of net charge-offs (x) | 26.2124% | 1,703 |
| Efficiency ratio | 59.8842% | 3,715 |
| Assets per employee ($millions) | 5.0466% | 2,534 |
| Cash dividends to net income (ytd only)* | 59.2871% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 1,615 |
| Loan loss allowance to noncurrent loans | 56.6322% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 1.8627% | 451 |
| Noncurrent loans to loans | 2.4230% | 459 |
| Net loans and leases to total assets | 75.6827% | 1,468 |
| Net loans and leases to deposits | 85.3587% | 2,171 |
| Net loans and leases to core deposits | 97.6975% | 1,753 |
| Total domestic deposits to total assets | 88.6643% | 813 |
| Equity capital to assets | 10.7424% | 3,222 |
| Core capital (leverage) ratio | 10.4463% | 3,010 |
| Tier 1 risk-based capital ratio | 12.6669% | 3,966 |
| Total risk-based capital ratio | 13.9174% | 3,844 |
| Memoranda: | ||
| Average total assets | $319,516,400 | 2,043 |
| Average earning assets | $300,015,000 | 2,026 |
| Average equity | $33,648,600 | 2,202 |
| Average total loans | $235,454,000 | 1,920 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7786% | 2,183 |
| Cost of funding earning assets | 0.9200% | 2,136 |
| Net interest margin | 3.8586% | 2,407 |
| Noninterest income to average assets | 0.3932% | 3,364 |
| Noninterest expense to average assets | 2.3378% | 3,857 |
| Loan and lease loss provision to assets | 0.2647% | 589 |
| Net operating income to assets | 1.3902% | 1,503 |
| Return on assets (ROA) | 1.3980% | 1,535 |
| Pretax return on assets | 1.4195% | 2,233 |
| Return on Equity (ROE) | 13.3445% | 1,162 |
| Retained earnings to average equity (ytd only) | 5.2448% | 2,761 |
| Net charge-offs to loans | 0.0853% | 1,626 |
| Credit loss provision to net charge-offs | 425.6757% | 723 |
| Earnings coverage of net charge-offs (x) | 26.9593% | 1,726 |
| Efficiency ratio | 58.2418% | 3,902 |
| Assets per employee ($millions) | 5.1233% | 2,421 |
| Cash dividends to net income (ytd only)* | 60.6972% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3873% | 1,626 |
| Loan loss allowance to noncurrent loans | 52.9886% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 1.9092% | 484 |
| Noncurrent loans to loans | 2.6181% | 425 |
| Net loans and leases to total assets | 71.3000% | 2,278 |
| Net loans and leases to deposits | 80.2005% | 2,874 |
| Net loans and leases to core deposits | 91.3362% | 2,431 |
| Total domestic deposits to total assets | 88.9021% | 649 |
| Equity capital to assets | 10.6078% | 3,457 |
| Core capital (leverage) ratio | 10.4747% | 3,125 |
| Tier 1 risk-based capital ratio | 13.2335% | 3,726 |
| Total risk-based capital ratio | 14.4845% | 3,628 |
| Memoranda: | ||
| Average total assets | $317,389,000 | 2,063 |
| Average earning assets | $297,823,000 | 2,052 |
| Average equity | $33,251,250 | 2,241 |
| Average total loans | $231,389,250 | 1,959 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7339% | 2,264 |
| Cost of funding earning assets | 0.8987% | 2,150 |
| Net interest margin | 3.8353% | 2,460 |
| Noninterest income to average assets | 0.3524% | 3,582 |
| Noninterest expense to average assets | 2.3601% | 3,847 |
| Loan and lease loss provision to assets | 0.2676% | 561 |
| Net operating income to assets | 1.2993% | 1,773 |
| Return on assets (ROA) | 1.3030% | 1,823 |
| Pretax return on assets | 1.3234% | 2,462 |
| Return on Equity (ROE) | 12.4920% | 1,415 |
| Retained earnings to average equity (ytd only) | 4.8868% | 2,824 |
| Net charge-offs to loans | 0.0932% | 1,428 |
| Credit loss provision to net charge-offs | 392.5234% | 729 |
| Earnings coverage of net charge-offs (x) | 23.2804% | 1,656 |
| Efficiency ratio | 59.7902% | 3,760 |
| Assets per employee ($millions) | 4.8615% | 2,650 |
| Cash dividends to net income (ytd only)* | 60.8802% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 1,844 |
| Loan loss allowance to noncurrent loans | 44.6608% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 2.2362% | 370 |
| Noncurrent loans to loans | 3.0046% | 337 |
| Net loans and leases to total assets | 71.4909% | 2,291 |
| Net loans and leases to deposits | 80.4116% | 2,905 |
| Net loans and leases to core deposits | 91.7412% | 2,436 |
| Total domestic deposits to total assets | 88.9061% | 701 |
| Equity capital to assets | 10.5503% | 3,476 |
| Core capital (leverage) ratio | 10.6569% | 2,930 |
| Tier 1 risk-based capital ratio | 13.3782% | 3,641 |
| Total risk-based capital ratio | 14.6222% | 3,547 |
| Memoranda: | ||
| Average total assets | $313,888,000 | 2,095 |
| Average earning assets | $294,215,670 | 2,077 |
| Average equity | $32,741,000 | 2,259 |
| Average total loans | $229,493,670 | 1,981 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6991% | 2,232 |
| Cost of funding earning assets | 0.8628% | 2,195 |
| Net interest margin | 3.8363% | 2,391 |
| Noninterest income to average assets | 0.2977% | 3,889 |
| Noninterest expense to average assets | 2.3724% | 3,839 |
| Loan and lease loss provision to assets | 0.2706% | 513 |
| Net operating income to assets | 1.2320% | 1,940 |
| Return on assets (ROA) | 1.2320% | 1,988 |
| Pretax return on assets | 1.2474% | 2,641 |
| Return on Equity (ROE) | 11.8811% | 1,579 |
| Retained earnings to average equity (ytd only) | 11.8811% | 630 |
| Net charge-offs to loans | 0.1140% | 1,050 |
| Credit loss provision to net charge-offs | 323.0769% | 786 |
| Earnings coverage of net charge-offs (x) | 18.1231% | 1,634 |
| Efficiency ratio | 60.9805% | 3,682 |
| Assets per employee ($millions) | 4.5990% | 3,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3038% | 2,075 |
| Loan loss allowance to noncurrent loans | 49.8144% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 1.9473% | 523 |
| Noncurrent loans to loans | 2.6173% | 488 |
| Net loans and leases to total assets | 71.4541% | 2,264 |
| Net loans and leases to deposits | 80.2383% | 2,813 |
| Net loans and leases to core deposits | 91.1502% | 2,384 |
| Total domestic deposits to total assets | 89.0524% | 832 |
| Equity capital to assets | 10.5601% | 3,294 |
| Core capital (leverage) ratio | 10.8645% | 2,701 |
| Tier 1 risk-based capital ratio | 13.8614% | 3,414 |
| Total risk-based capital ratio | 15.0752% | 3,351 |
| Memoranda: | ||
| Average total assets | $310,401,000 | 2,122 |
| Average earning assets | $290,694,500 | 2,109 |
| Average equity | $32,185,500 | 2,290 |
| Average total loans | $227,987,000 | 2,006 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5844% | 2,176 |
| Cost of funding earning assets | 0.7216% | 1,945 |
| Net interest margin | 3.8628% | 2,457 |
| Noninterest income to average assets | 0.3803% | 3,553 |
| Noninterest expense to average assets | 2.5376% | 3,505 |
| Loan and lease loss provision to assets | 0.2467% | 699 |
| Net operating income to assets | 1.1823% | 2,257 |
| Return on assets (ROA) | 1.1823% | 2,250 |
| Pretax return on assets | 1.1977% | 2,890 |
| Return on Equity (ROE) | 11.3810% | 1,941 |
| Retained earnings to average equity (ytd only) | 7.1432% | 1,605 |
| Net charge-offs to loans | 0.1449% | 1,320 |
| Credit loss provision to net charge-offs | 227.8481% | 1,296 |
| Earnings coverage of net charge-offs (x) | 13.3418% | 2,466 |
| Efficiency ratio | 63.7271% | 3,219 |
| Assets per employee ($millions) | 4.5304% | 3,119 |
| Cash dividends to net income (ytd only)* | 37.2356% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2232% | 2,444 |
| Loan loss allowance to noncurrent loans | 44.5078% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 2.1077% | 438 |
| Noncurrent loans to loans | 2.7483% | 406 |
| Net loans and leases to total assets | 73.6048% | 1,990 |
| Net loans and leases to deposits | 82.3855% | 2,682 |
| Net loans and leases to core deposits | 92.0742% | 2,402 |
| Total domestic deposits to total assets | 89.3419% | 716 |
| Equity capital to assets | 10.1751% | 3,498 |
| Core capital (leverage) ratio | 10.7524% | 2,785 |
| Tier 1 risk-based capital ratio | 13.1665% | 3,748 |
| Total risk-based capital ratio | 14.2953% | 3,713 |
| Memoranda: | ||
| Average total assets | $291,888,800 | 2,198 |
| Average earning assets | $272,162,000 | 2,182 |
| Average equity | $30,322,400 | 2,318 |
| Average total loans | $218,122,000 | 2,038 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5123% | 2,259 |
| Cost of funding earning assets | 0.6879% | 1,924 |
| Net interest margin | 3.8244% | 2,549 |
| Noninterest income to average assets | 0.3905% | 3,541 |
| Noninterest expense to average assets | 2.5439% | 3,463 |
| Loan and lease loss provision to assets | 0.2501% | 629 |
| Net operating income to assets | 1.1450% | 2,460 |
| Return on assets (ROA) | 1.1450% | 2,473 |
| Pretax return on assets | 1.1608% | 3,157 |
| Return on Equity (ROE) | 10.9621% | 2,196 |
| Retained earnings to average equity (ytd only) | 6.6385% | 2,315 |
| Net charge-offs to loans | 0.1282% | 1,238 |
| Credit loss provision to net charge-offs | 260.8696% | 1,136 |
| Earnings coverage of net charge-offs (x) | 14.7151% | 2,274 |
| Efficiency ratio | 64.3242% | 3,127 |
| Assets per employee ($millions) | 4.3462% | 3,363 |
| Cash dividends to net income (ytd only)* | 39.4418% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2431% | 2,391 |
| Loan loss allowance to noncurrent loans | 41.5906% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 2.2045% | 445 |
| Noncurrent loans to loans | 2.9889% | 367 |
| Net loans and leases to total assets | 72.4529% | 2,259 |
| Net loans and leases to deposits | 80.9089% | 2,941 |
| Net loans and leases to core deposits | 89.7764% | 2,681 |
| Total domestic deposits to total assets | 89.5487% | 657 |
| Equity capital to assets | 10.0415% | 3,596 |
| Core capital (leverage) ratio | 11.0041% | 2,573 |
| Tier 1 risk-based capital ratio | 13.5276% | 3,611 |
| Total risk-based capital ratio | 14.6807% | 3,584 |
| Memoranda: | ||
| Average total assets | $287,844,250 | 2,232 |
| Average earning assets | $268,268,000 | 2,221 |
| Average equity | $30,066,500 | 2,336 |
| Average total loans | $215,262,500 | 2,069 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4341% | 2,306 |
| Cost of funding earning assets | 0.6609% | 1,866 |
| Net interest margin | 3.7732% | 2,654 |
| Noninterest income to average assets | 0.3840% | 3,592 |
| Noninterest expense to average assets | 2.5452% | 3,500 |
| Loan and lease loss provision to assets | 0.2537% | 607 |
| Net operating income to assets | 1.0852% | 2,643 |
| Return on assets (ROA) | 1.0852% | 2,650 |
| Pretax return on assets | 1.1014% | 3,309 |
| Return on Equity (ROE) | 10.2492% | 2,453 |
| Retained earnings to average equity (ytd only) | 6.2560% | 2,438 |
| Net charge-offs to loans | 0.1469% | 1,044 |
| Credit loss provision to net charge-offs | 229.2994% | 1,195 |
| Earnings coverage of net charge-offs (x) | 12.2484% | 2,216 |
| Efficiency ratio | 65.2575% | 3,107 |
| Assets per employee ($millions) | 4.1432% | 3,663 |
| Cash dividends to net income (ytd only)* | 38.9610% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 2,658 |
| Loan loss allowance to noncurrent loans | 35.5914% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 2.5734% | 332 |
| Noncurrent loans to loans | 3.3982% | 293 |
| Net loans and leases to total assets | 74.4578% | 1,871 |
| Net loans and leases to deposits | 84.4973% | 2,480 |
| Net loans and leases to core deposits | 93.2215% | 2,290 |
| Total domestic deposits to total assets | 88.1186% | 1,316 |
| Equity capital to assets | 10.4959% | 3,120 |
| Core capital (leverage) ratio | 11.0838% | 2,447 |
| Tier 1 risk-based capital ratio | 13.5769% | 3,575 |
| Total risk-based capital ratio | 14.6992% | 3,563 |
| Memoranda: | ||
| Average total assets | $283,830,330 | 2,260 |
| Average earning assets | $264,494,670 | 2,252 |
| Average equity | $30,051,000 | 2,346 |
| Average total loans | $213,679,670 | 2,082 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6705% | 1,377 |
| Cost of funding earning assets | 0.6431% | 1,762 |
| Net interest margin | 4.0274% | 1,630 |
| Noninterest income to average assets | 0.3805% | 3,588 |
| Noninterest expense to average assets | 2.6039% | 3,324 |
| Loan and lease loss provision to assets | 0.2546% | 576 |
| Net operating income to assets | 1.2532% | 1,797 |
| Return on assets (ROA) | 1.2532% | 1,810 |
| Pretax return on assets | 1.2687% | 2,482 |
| Return on Equity (ROE) | 11.7845% | 1,654 |
| Retained earnings to average equity (ytd only) | 11.7845% | 719 |
| Net charge-offs to loans | 0.2820% | 546 |
| Credit loss provision to net charge-offs | 120.0000% | 1,374 |
| Earnings coverage of net charge-offs (x) | 7.1800% | 2,111 |
| Efficiency ratio | 63.0912% | 3,619 |
| Assets per employee ($millions) | 4.6132% | 2,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1581% | 3,050 |
| Loan loss allowance to noncurrent loans | 246.0061% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.3639% | 3,382 |
| Noncurrent loans to loans | 0.4708% | 3,115 |
| Net loans and leases to total assets | 73.7918% | 1,898 |
| Net loans and leases to deposits | 84.5381% | 2,335 |
| Net loans and leases to core deposits | 90.7921% | 2,388 |
| Total domestic deposits to total assets | 87.2882% | 2,012 |
| Equity capital to assets | 10.6760% | 2,887 |
| Core capital (leverage) ratio | 11.0569% | 2,379 |
| Tier 1 risk-based capital ratio | 13.2554% | 3,808 |
| Total risk-based capital ratio | 14.2801% | 3,847 |
| Memoranda: | ||
| Average total assets | $282,803,500 | 2,288 |
| Average earning assets | $263,098,500 | 2,279 |
| Average equity | $30,073,500 | 2,358 |
| Average total loans | $212,785,000 | 2,095 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4786% | 1,786 |
| Cost of funding earning assets | 0.5878% | 1,691 |
| Net interest margin | 3.8908% | 2,114 |
| Noninterest income to average assets | 0.4084% | 3,575 |
| Noninterest expense to average assets | 2.4731% | 3,869 |
| Loan and lease loss provision to assets | 0.2614% | 699 |
| Net operating income to assets | 1.2886% | 1,252 |
| Return on assets (ROA) | 1.2656% | 1,334 |
| Pretax return on assets | 1.2819% | 2,423 |
| Return on Equity (ROE) | 11.7114% | 1,286 |
| Retained earnings to average equity (ytd only) | 4.7907% | 2,267 |
| Net charge-offs to loans | 0.1203% | 1,845 |
| Credit loss provision to net charge-offs | 300.0000% | 939 |
| Earnings coverage of net charge-offs (x) | 17.9792% | 2,102 |
| Efficiency ratio | 61.2205% | 4,072 |
| Assets per employee ($millions) | 4.2418% | 3,590 |
| Cash dividends to net income (ytd only)* | 59.0935% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1152% | 3,267 |
| Loan loss allowance to noncurrent loans | 174.8908% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.5433% | 2,745 |
| Noncurrent loans to loans | 0.6376% | 2,623 |
| Net loans and leases to total assets | 74.9749% | 1,754 |
| Net loans and leases to deposits | 86.1033% | 2,251 |
| Net loans and leases to core deposits | 92.1363% | 2,369 |
| Total domestic deposits to total assets | 87.0756% | 1,957 |
| Equity capital to assets | 10.5926% | 3,060 |
| Core capital (leverage) ratio | 10.7178% | 2,626 |
| Tier 1 risk-based capital ratio | 13.1362% | 3,825 |
| Total risk-based capital ratio | 14.1682% | 3,856 |
| Memoranda: | ||
| Average total assets | $275,440,200 | 2,314 |
| Average earning assets | $257,067,600 | 2,302 |
| Average equity | $29,765,800 | 2,372 |
| Average total loans | $199,537,400 | 2,162 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4006% | 1,963 |
| Cost of funding earning assets | 0.5708% | 1,735 |
| Net interest margin | 3.8298% | 2,289 |
| Noninterest income to average assets | 0.4226% | 3,537 |
| Noninterest expense to average assets | 2.4212% | 3,962 |
| Loan and lease loss provision to assets | 0.2635% | 637 |
| Net operating income to assets | 1.3003% | 1,328 |
| Return on assets (ROA) | 1.2935% | 1,392 |
| Pretax return on assets | 1.3096% | 2,438 |
| Return on Equity (ROE) | 11.9085% | 1,361 |
| Retained earnings to average equity (ytd only) | 5.8891% | 2,313 |
| Net charge-offs to loans | 0.0975% | 1,807 |
| Credit loss provision to net charge-offs | 377.6224% | 812 |
| Earnings coverage of net charge-offs (x) | 22.6436% | 1,850 |
| Efficiency ratio | 60.5122% | 4,128 |
| Assets per employee ($millions) | 4.1855% | 3,679 |
| Cash dividends to net income (ytd only)* | 50.5469% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1234% | 3,356 |
| Loan loss allowance to noncurrent loans | 130.4103% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.7446% | 2,269 |
| Noncurrent loans to loans | 0.8614% | 2,214 |
| Net loans and leases to total assets | 72.8164% | 2,122 |
| Net loans and leases to deposits | 85.2390% | 2,404 |
| Net loans and leases to core deposits | 91.2734% | 2,511 |
| Total domestic deposits to total assets | 85.4261% | 2,548 |
| Equity capital to assets | 10.8503% | 3,018 |
| Core capital (leverage) ratio | 11.0343% | 2,421 |
| Tier 1 risk-based capital ratio | 13.5523% | 3,673 |
| Total risk-based capital ratio | 14.5841% | 3,715 |
| Memoranda: | ||
| Average total assets | $273,250,500 | 2,343 |
| Average earning assets | $255,324,250 | 2,329 |
| Average equity | $29,681,250 | 2,395 |
| Average total loans | $195,551,500 | 2,201 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3282% | 2,041 |
| Cost of funding earning assets | 0.5562% | 1,736 |
| Net interest margin | 3.7719% | 2,396 |
| Noninterest income to average assets | 0.4297% | 3,493 |
| Noninterest expense to average assets | 2.4027% | 4,044 |
| Loan and lease loss provision to assets | 0.2658% | 619 |
| Net operating income to assets | 1.2700% | 1,374 |
| Return on assets (ROA) | 1.2693% | 1,405 |
| Pretax return on assets | 1.2855% | 2,443 |
| Return on Equity (ROE) | 11.6809% | 1,393 |
| Retained earnings to average equity (ytd only) | 6.4486% | 1,874 |
| Net charge-offs to loans | 0.0344% | 2,500 |
| Credit loss provision to net charge-offs | 1,090.9091% | 368 |
| Earnings coverage of net charge-offs (x) | 63.6970% | 910 |
| Efficiency ratio | 60.7543% | 4,202 |
| Assets per employee ($millions) | 3.9811% | 3,983 |
| Cash dividends to net income (ytd only)* | 44.7935% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 3,390 |
| Loan loss allowance to noncurrent loans | 161.8705% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.5951% | 2,788 |
| Noncurrent loans to loans | 0.7018% | 2,647 |
| Net loans and leases to total assets | 72.3284% | 2,146 |
| Net loans and leases to deposits | 84.8229% | 2,372 |
| Net loans and leases to core deposits | 91.1315% | 2,410 |
| Total domestic deposits to total assets | 85.2699% | 2,705 |
| Equity capital to assets | 11.2050% | 2,585 |
| Core capital (leverage) ratio | 11.2410% | 2,189 |
| Tier 1 risk-based capital ratio | 13.8694% | 3,488 |
| Total risk-based capital ratio | 14.9058% | 3,538 |
| Memoranda: | ||
| Average total assets | $270,858,670 | 2,369 |
| Average earning assets | $253,132,330 | 2,356 |
| Average equity | $29,432,670 | 2,412 |
| Average total loans | $191,896,670 | 2,244 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1754% | 2,358 |
| Cost of funding earning assets | 0.5516% | 1,704 |
| Net interest margin | 3.6239% | 2,805 |
| Noninterest income to average assets | 0.3942% | 3,709 |
| Noninterest expense to average assets | 2.3711% | 4,198 |
| Loan and lease loss provision to assets | 0.2658% | 551 |
| Net operating income to assets | 1.1265% | 1,766 |
| Return on assets (ROA) | 1.1265% | 1,801 |
| Pretax return on assets | 1.1427% | 2,807 |
| Return on Equity (ROE) | 10.5307% | 1,725 |
| Retained earnings to average equity (ytd only) | 10.5307% | 695 |
| Net charge-offs to loans | 0.0106% | 2,611 |
| Credit loss provision to net charge-offs | 3,600.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 190.8000% | 296 |
| Efficiency ratio | 62.7344% | 4,032 |
| Assets per employee ($millions) | 4.1719% | 3,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 3,552 |
| Loan loss allowance to noncurrent loans | 123.6299% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.7290% | 2,473 |
| Noncurrent loans to loans | 0.9095% | 2,215 |
| Net loans and leases to total assets | 68.0302% | 2,678 |
| Net loans and leases to deposits | 78.0888% | 2,954 |
| Net loans and leases to core deposits | 83.8302% | 2,917 |
| Total domestic deposits to total assets | 87.1190% | 2,148 |
| Equity capital to assets | 10.8605% | 2,790 |
| Core capital (leverage) ratio | 11.0342% | 2,327 |
| Tier 1 risk-based capital ratio | 14.1627% | 3,380 |
| Total risk-based capital ratio | 15.1556% | 3,446 |
| Memoranda: | ||
| Average total assets | $270,929,000 | 2,390 |
| Average earning assets | $253,099,500 | 2,374 |
| Average equity | $28,982,000 | 2,443 |
| Average total loans | $188,817,000 | 2,284 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2605% | 2,271 |
| Cost of funding earning assets | 0.5290% | 1,876 |
| Net interest margin | 3.7315% | 2,570 |
| Noninterest income to average assets | 0.4086% | 3,813 |
| Noninterest expense to average assets | 2.4755% | 4,090 |
| Loan and lease loss provision to assets | 0.2673% | 756 |
| Net operating income to assets | 1.1205% | 1,816 |
| Return on assets (ROA) | 1.1465% | 1,801 |
| Pretax return on assets | 1.1624% | 2,843 |
| Return on Equity (ROE) | 10.0787% | 1,925 |
| Retained earnings to average equity (ytd only) | 3.6093% | 3,356 |
| Net charge-offs to loans | 0.3156% | 870 |
| Credit loss provision to net charge-offs | 119.5841% | 2,219 |
| Earnings coverage of net charge-offs (x) | 6.2790% | 3,202 |
| Efficiency ratio | 63.8207% | 3,967 |
| Assets per employee ($millions) | 4.2294% | 3,572 |
| Cash dividends to net income (ytd only)* | 64.1892% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 4,284 |
| Loan loss allowance to noncurrent loans | 108.2770% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 0.7762% | 2,412 |
| Noncurrent loans to loans | 0.9296% | 2,233 |
| Net loans and leases to total assets | 69.8721% | 2,499 |
| Net loans and leases to deposits | 79.9047% | 2,901 |
| Net loans and leases to core deposits | 85.1555% | 2,914 |
| Total domestic deposits to total assets | 87.4444% | 1,908 |
| Equity capital to assets | 10.5337% | 3,114 |
| Core capital (leverage) ratio | 11.0217% | 2,317 |
| Tier 1 risk-based capital ratio | 13.5861% | 3,713 |
| Total risk-based capital ratio | 14.4821% | 3,847 |
| Memoranda: | ||
| Average total assets | $258,168,200 | 2,451 |
| Average earning assets | $240,090,800 | 2,432 |
| Average equity | $29,368,800 | 2,412 |
| Average total loans | $182,826,800 | 2,283 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2653% | 2,278 |
| Cost of funding earning assets | 0.5227% | 1,921 |
| Net interest margin | 3.7426% | 2,544 |
| Noninterest income to average assets | 0.4041% | 3,892 |
| Noninterest expense to average assets | 2.4879% | 4,020 |
| Loan and lease loss provision to assets | 0.2666% | 679 |
| Net operating income to assets | 1.1106% | 1,948 |
| Return on assets (ROA) | 1.1355% | 1,972 |
| Pretax return on assets | 1.1522% | 3,038 |
| Return on Equity (ROE) | 9.7893% | 2,148 |
| Retained earnings to average equity (ytd only) | 6.1836% | 2,071 |
| Net charge-offs to loans | 0.1837% | 1,276 |
| Credit loss provision to net charge-offs | 204.8193% | 1,419 |
| Earnings coverage of net charge-offs (x) | 10.7069% | 2,549 |
| Efficiency ratio | 64.0943% | 3,921 |
| Assets per employee ($millions) | 3.9878% | 3,989 |
| Cash dividends to net income (ytd only)* | 36.8324% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0724% | 4,007 |
| Loan loss allowance to noncurrent loans | 109.1724% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.7888% | 2,573 |
| Noncurrent loans to loans | 0.9823% | 2,275 |
| Net loans and leases to total assets | 72.5877% | 2,095 |
| Net loans and leases to deposits | 86.9685% | 2,141 |
| Net loans and leases to core deposits | 92.8017% | 2,305 |
| Total domestic deposits to total assets | 83.4644% | 3,413 |
| Equity capital to assets | 11.5120% | 2,503 |
| Core capital (leverage) ratio | 11.4067% | 2,106 |
| Tier 1 risk-based capital ratio | 14.2249% | 3,447 |
| Total risk-based capital ratio | 15.2244% | 3,494 |
| Memoranda: | ||
| Average total assets | $255,039,500 | 2,474 |
| Average earning assets | $236,976,750 | 2,466 |
| Average equity | $29,582,750 | 2,396 |
| Average total loans | $180,769,750 | 2,306 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2236% | 2,432 |
| Cost of funding earning assets | 0.5160% | 1,973 |
| Net interest margin | 3.7076% | 2,666 |
| Noninterest income to average assets | 0.3955% | 3,903 |
| Noninterest expense to average assets | 2.4738% | 4,106 |
| Loan and lease loss provision to assets | 0.2378% | 834 |
| Net operating income to assets | 1.1073% | 1,931 |
| Return on assets (ROA) | 1.1446% | 1,910 |
| Pretax return on assets | 1.1620% | 2,934 |
| Return on Equity (ROE) | 9.8419% | 2,119 |
| Retained earnings to average equity (ytd only) | 6.7748% | 1,727 |
| Net charge-offs to loans | 0.2038% | 1,136 |
| Credit loss provision to net charge-offs | 166.6667% | 1,481 |
| Earnings coverage of net charge-offs (x) | 9.5444% | 2,414 |
| Efficiency ratio | 64.4968% | 3,932 |
| Assets per employee ($millions) | 3.9856% | 3,938 |
| Cash dividends to net income (ytd only)* | 31.1634% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0523% | 4,218 |
| Loan loss allowance to noncurrent loans | 83.9495% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 0.9922% | 2,154 |
| Noncurrent loans to loans | 1.2535% | 1,829 |
| Net loans and leases to total assets | 71.1472% | 2,308 |
| Net loans and leases to deposits | 84.1606% | 2,444 |
| Net loans and leases to core deposits | 89.6509% | 2,570 |
| Total domestic deposits to total assets | 84.5375% | 3,078 |
| Equity capital to assets | 11.7763% | 2,288 |
| Core capital (leverage) ratio | 11.5009% | 1,993 |
| Tier 1 risk-based capital ratio | 14.2777% | 3,451 |
| Total risk-based capital ratio | 15.2247% | 3,539 |
| Memoranda: | ||
| Average total assets | $252,320,670 | 2,514 |
| Average earning assets | $234,115,000 | 2,505 |
| Average equity | $29,344,000 | 2,415 |
| Average total loans | $176,653,330 | 2,345 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1830% | 2,538 |
| Cost of funding earning assets | 0.5104% | 2,024 |
| Net interest margin | 3.6726% | 2,791 |
| Noninterest income to average assets | 0.4320% | 3,600 |
| Noninterest expense to average assets | 2.4356% | 4,273 |
| Loan and lease loss provision to assets | 0.2391% | 756 |
| Net operating income to assets | 1.1349% | 1,768 |
| Return on assets (ROA) | 1.1349% | 1,882 |
| Pretax return on assets | 1.1525% | 2,881 |
| Return on Equity (ROE) | 9.8219% | 2,064 |
| Retained earnings to average equity (ytd only) | 9.8219% | 888 |
| Net charge-offs to loans | 0.1801% | 1,075 |
| Credit loss provision to net charge-offs | 192.3077% | 1,110 |
| Earnings coverage of net charge-offs (x) | 11.1923% | 1,875 |
| Efficiency ratio | 63.6401% | 4,182 |
| Assets per employee ($millions) | 3.9431% | 4,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 4,275 |
| Loan loss allowance to noncurrent loans | 81.1207% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 1.0917% | 2,025 |
| Noncurrent loans to loans | 1.3090% | 1,833 |
| Net loans and leases to total assets | 69.4867% | 2,427 |
| Net loans and leases to deposits | 80.4433% | 2,737 |
| Net loans and leases to core deposits | 85.7512% | 2,769 |
| Total domestic deposits to total assets | 86.3797% | 2,503 |
| Equity capital to assets | 11.6849% | 2,258 |
| Core capital (leverage) ratio | 11.5506% | 1,942 |
| Tier 1 risk-based capital ratio | 14.4678% | 3,408 |
| Total risk-based capital ratio | 15.4127% | 3,518 |
| Memoranda: | ||
| Average total assets | $250,940,500 | 2,530 |
| Average earning assets | $231,985,500 | 2,531 |
| Average equity | $28,996,500 | 2,431 |
| Average total loans | $173,273,500 | 2,376 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0932% | 2,946 |
| Cost of funding earning assets | 0.5040% | 2,123 |
| Net interest margin | 3.5892% | 3,179 |
| Noninterest income to average assets | 0.4382% | 3,759 |
| Noninterest expense to average assets | 2.4453% | 4,394 |
| Loan and lease loss provision to assets | 0.2473% | 771 |
| Net operating income to assets | 1.0654% | 2,065 |
| Return on assets (ROA) | 1.0791% | 2,077 |
| Pretax return on assets | 1.0824% | 3,144 |
| Return on Equity (ROE) | 9.4129% | 2,264 |
| Retained earnings to average equity (ytd only) | 3.5573% | 3,531 |
| Net charge-offs to loans | 0.5383% | 478 |
| Credit loss provision to net charge-offs | 67.8532% | 3,161 |
| Earnings coverage of net charge-offs (x) | 3.6107% | 3,696 |
| Efficiency ratio | 65.0140% | 4,084 |
| Assets per employee ($millions) | 3.8388% | 4,226 |
| Cash dividends to net income (ytd only)* | 62.2089% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 4,216 |
| Loan loss allowance to noncurrent loans | 74.3021% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 1.1586% | 1,873 |
| Noncurrent loans to loans | 1.4388% | 1,621 |
| Net loans and leases to total assets | 67.1279% | 2,843 |
| Net loans and leases to deposits | 77.4784% | 3,107 |
| Net loans and leases to core deposits | 81.9054% | 3,159 |
| Total domestic deposits to total assets | 86.6409% | 2,304 |
| Equity capital to assets | 11.4238% | 2,423 |
| Core capital (leverage) ratio | 11.4106% | 2,034 |
| Tier 1 risk-based capital ratio | 14.8418% | 3,250 |
| Total risk-based capital ratio | 15.7977% | 3,332 |
| Memoranda: | ||
| Average total assets | $246,679,200 | 2,532 |
| Average earning assets | $228,379,400 | 2,523 |
| Average equity | $28,280,200 | 2,438 |
| Average total loans | $166,992,800 | 2,383 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0949% | 2,963 |
| Cost of funding earning assets | 0.5027% | 2,184 |
| Net interest margin | 3.5923% | 3,193 |
| Noninterest income to average assets | 0.4765% | 3,523 |
| Noninterest expense to average assets | 2.3905% | 4,539 |
| Loan and lease loss provision to assets | 0.2195% | 866 |
| Net operating income to assets | 1.1942% | 1,672 |
| Return on assets (ROA) | 1.2110% | 1,678 |
| Pretax return on assets | 1.2148% | 2,753 |
| Return on Equity (ROE) | 10.5534% | 1,882 |
| Retained earnings to average equity (ytd only) | 7.4545% | 1,475 |
| Net charge-offs to loans | 0.5688% | 402 |
| Credit loss provision to net charge-offs | 57.0423% | 2,947 |
| Earnings coverage of net charge-offs (x) | 3.6831% | 3,466 |
| Efficiency ratio | 62.7758% | 4,445 |
| Assets per employee ($millions) | 3.4867% | 4,812 |
| Cash dividends to net income (ytd only)* | 29.3642% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0774% | 4,349 |
| Loan loss allowance to noncurrent loans | 75.5368% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 1.1583% | 2,050 |
| Noncurrent loans to loans | 1.4263% | 1,773 |
| Net loans and leases to total assets | 67.4914% | 2,775 |
| Net loans and leases to deposits | 78.2910% | 3,070 |
| Net loans and leases to core deposits | 83.0330% | 3,153 |
| Total domestic deposits to total assets | 86.2059% | 2,437 |
| Equity capital to assets | 11.8533% | 2,214 |
| Core capital (leverage) ratio | 11.8332% | 1,788 |
| Tier 1 risk-based capital ratio | 15.4952% | 3,052 |
| Total risk-based capital ratio | 16.4647% | 3,118 |
| Memoranda: | ||
| Average total assets | $245,968,500 | 2,556 |
| Average earning assets | $228,114,500 | 2,547 |
| Average equity | $28,224,000 | 2,458 |
| Average total loans | $166,413,750 | 2,409 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0680% | 3,016 |
| Cost of funding earning assets | 0.4998% | 2,253 |
| Net interest margin | 3.5683% | 3,218 |
| Noninterest income to average assets | 0.4915% | 3,437 |
| Noninterest expense to average assets | 2.3236% | 4,787 |
| Loan and lease loss provision to assets | 0.2433% | 737 |
| Net operating income to assets | 1.2306% | 1,514 |
| Return on assets (ROA) | 1.2555% | 1,500 |
| Pretax return on assets | 1.2620% | 2,500 |
| Return on Equity (ROE) | 11.0616% | 1,661 |
| Retained earnings to average equity (ytd only) | 7.8032% | 1,346 |
| Net charge-offs to loans | 0.4977% | 498 |
| Credit loss provision to net charge-offs | 72.4638% | 2,428 |
| Earnings coverage of net charge-offs (x) | 4.4082% | 3,045 |
| Efficiency ratio | 61.0874% | 4,816 |
| Assets per employee ($millions) | 3.8970% | 4,084 |
| Cash dividends to net income (ytd only)* | 29.4574% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 3,863 |
| Loan loss allowance to noncurrent loans | 74.4841% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 1.2528% | 2,007 |
| Noncurrent loans to loans | 1.5941% | 1,645 |
| Net loans and leases to total assets | 68.3694% | 2,591 |
| Net loans and leases to deposits | 80.0471% | 2,775 |
| Net loans and leases to core deposits | 85.3029% | 2,852 |
| Total domestic deposits to total assets | 85.4114% | 2,964 |
| Equity capital to assets | 11.7079% | 2,240 |
| Core capital (leverage) ratio | 11.6448% | 1,889 |
| Tier 1 risk-based capital ratio | 15.2301% | 3,234 |
| Total risk-based capital ratio | 16.3026% | 3,267 |
| Memoranda: | ||
| Average total assets | $246,602,000 | 2,571 |
| Average earning assets | $228,906,670 | 2,550 |
| Average equity | $27,988,670 | 2,488 |
| Average total loans | $166,378,670 | 2,412 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0150% | 3,180 |
| Cost of funding earning assets | 0.4937% | 2,343 |
| Net interest margin | 3.5213% | 3,340 |
| Noninterest income to average assets | 0.4544% | 3,608 |
| Noninterest expense to average assets | 2.2867% | 4,920 |
| Loan and lease loss provision to assets | 0.2409% | 703 |
| Net operating income to assets | 1.1918% | 1,575 |
| Return on assets (ROA) | 1.2204% | 1,585 |
| Pretax return on assets | 1.2317% | 2,544 |
| Return on Equity (ROE) | 10.9199% | 1,654 |
| Retained earnings to average equity (ytd only) | 10.9199% | 732 |
| Net charge-offs to loans | 0.1084% | 1,658 |
| Credit loss provision to net charge-offs | 333.3333% | 749 |
| Earnings coverage of net charge-offs (x) | 19.9778% | 1,429 |
| Efficiency ratio | 61.3000% | 4,916 |
| Assets per employee ($millions) | 3.9784% | 4,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 3,248 |
| Loan loss allowance to noncurrent loans | 67.1951% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 1.4282% | 1,850 |
| Noncurrent loans to loans | 1.9779% | 1,323 |
| Net loans and leases to total assets | 67.4257% | 2,544 |
| Net loans and leases to deposits | 78.3146% | 2,761 |
| Net loans and leases to core deposits | 83.5296% | 2,822 |
| Total domestic deposits to total assets | 86.0960% | 2,892 |
| Equity capital to assets | 11.7152% | 2,279 |
| Core capital (leverage) ratio | 11.2416% | 2,198 |
| Tier 1 risk-based capital ratio | 14.8379% | 3,523 |
| Total risk-based capital ratio | 16.0118% | 3,500 |
| Memoranda: | ||
| Average total assets | $249,096,000 | 2,568 |
| Average earning assets | $231,732,500 | 2,538 |
| Average equity | $27,839,000 | 2,510 |
| Average total loans | $165,980,500 | 2,425 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0923% | 3,353 |
| Cost of funding earning assets | 0.4627% | 3,045 |
| Net interest margin | 3.6296% | 3,295 |
| Noninterest income to average assets | 0.3250% | 4,796 |
| Noninterest expense to average assets | 2.2021% | 5,352 |
| Loan and lease loss provision to assets | 0.2434% | 953 |
| Net operating income to assets | 1.2889% | 1,330 |
| Return on assets (ROA) | 1.3087% | 1,337 |
| Pretax return on assets | 1.3302% | 2,140 |
| Return on Equity (ROE) | 12.3994% | 1,293 |
| Retained earnings to average equity (ytd only) | 4.9044% | 2,679 |
| Net charge-offs to loans | 0.3885% | 1,101 |
| Credit loss provision to net charge-offs | 97.2447% | 2,495 |
| Earnings coverage of net charge-offs (x) | 6.2058% | 3,249 |
| Efficiency ratio | 58.6367% | 5,387 |
| Assets per employee ($millions) | 4.2585% | 3,435 |
| Cash dividends to net income (ytd only)* | 60.4464% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 3,637 |
| Loan loss allowance to noncurrent loans | 61.6990% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 1.4418% | 1,907 |
| Noncurrent loans to loans | 2.0479% | 1,342 |
| Net loans and leases to total assets | 64.1963% | 3,197 |
| Net loans and leases to deposits | 76.4003% | 3,157 |
| Net loans and leases to core deposits | 81.2360% | 3,174 |
| Total domestic deposits to total assets | 84.0263% | 3,708 |
| Equity capital to assets | 10.6639% | 3,284 |
| Core capital (leverage) ratio | 10.6947% | 2,725 |
| Tier 1 risk-based capital ratio | 14.7762% | 3,617 |
| Total risk-based capital ratio | 15.9208% | 3,610 |
| Memoranda: | ||
| Average total assets | $246,497,200 | 2,557 |
| Average earning assets | $232,974,800 | 2,489 |
| Average equity | $26,017,400 | 2,568 |
| Average total loans | $158,803,000 | 2,442 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0845% | 3,439 |
| Cost of funding earning assets | 0.4489% | 3,264 |
| Net interest margin | 3.6356% | 3,287 |
| Noninterest income to average assets | 0.3084% | 4,974 |
| Noninterest expense to average assets | 2.1579% | 5,437 |
| Loan and lease loss provision to assets | 0.2457% | 887 |
| Net operating income to assets | 1.3377% | 1,274 |
| Return on assets (ROA) | 1.3642% | 1,250 |
| Pretax return on assets | 1.3844% | 2,068 |
| Return on Equity (ROE) | 12.9596% | 1,228 |
| Retained earnings to average equity (ytd only) | 6.0883% | 2,356 |
| Net charge-offs to loans | 0.4723% | 837 |
| Credit loss provision to net charge-offs | 80.9353% | 2,576 |
| Earnings coverage of net charge-offs (x) | 5.2824% | 3,296 |
| Efficiency ratio | 57.3730% | 5,529 |
| Assets per employee ($millions) | 4.1855% | 3,516 |
| Cash dividends to net income (ytd only)* | 53.0211% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 4,004 |
| Loan loss allowance to noncurrent loans | 57.7918% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 1.4723% | 2,093 |
| Noncurrent loans to loans | 2.1506% | 1,430 |
| Net loans and leases to total assets | 62.5541% | 3,400 |
| Net loans and leases to deposits | 75.1621% | 3,290 |
| Net loans and leases to core deposits | 79.3797% | 3,391 |
| Total domestic deposits to total assets | 83.2256% | 4,057 |
| Equity capital to assets | 10.4544% | 3,619 |
| Core capital (leverage) ratio | 10.7985% | 2,697 |
| Tier 1 risk-based capital ratio | 14.9501% | 3,618 |
| Total risk-based capital ratio | 16.0633% | 3,631 |
| Memoranda: | ||
| Average total assets | $244,244,750 | 2,592 |
| Average earning assets | $231,960,000 | 2,519 |
| Average equity | $25,710,000 | 2,607 |
| Average total loans | $156,972,500 | 2,476 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0968% | 3,357 |
| Cost of funding earning assets | 0.4333% | 3,510 |
| Net interest margin | 3.6634% | 3,101 |
| Noninterest income to average assets | 0.2436% | 5,450 |
| Noninterest expense to average assets | 2.1841% | 5,454 |
| Loan and lease loss provision to assets | 0.2494% | 882 |
| Net operating income to assets | 1.2887% | 1,345 |
| Return on assets (ROA) | 1.3286% | 1,280 |
| Pretax return on assets | 1.3510% | 2,080 |
| Return on Equity (ROE) | 12.5913% | 1,284 |
| Retained earnings to average equity (ytd only) | 4.9089% | 3,020 |
| Net charge-offs to loans | 0.3140% | 1,286 |
| Credit loss provision to net charge-offs | 122.9508% | 1,691 |
| Earnings coverage of net charge-offs (x) | 7.6885% | 2,595 |
| Efficiency ratio | 58.3389% | 5,514 |
| Assets per employee ($millions) | 4.0302% | 3,776 |
| Cash dividends to net income (ytd only)* | 61.0138% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4096% | 3,302 |
| Loan loss allowance to noncurrent loans | 58.7186% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 1.6269% | 2,013 |
| Noncurrent loans to loans | 2.4006% | 1,317 |
| Net loans and leases to total assets | 62.8231% | 3,270 |
| Net loans and leases to deposits | 72.3515% | 3,529 |
| Net loans and leases to core deposits | 75.8718% | 3,635 |
| Total domestic deposits to total assets | 86.8304% | 2,558 |
| Equity capital to assets | 10.8244% | 3,061 |
| Core capital (leverage) ratio | 10.9929% | 2,436 |
| Tier 1 risk-based capital ratio | 15.8710% | 3,157 |
| Total risk-based capital ratio | 17.1218% | 3,093 |
| Memoranda: | ||
| Average total assets | $240,553,670 | 2,634 |
| Average earning assets | $229,838,000 | 2,546 |
| Average equity | $25,382,670 | 2,623 |
| Average total loans | $155,389,330 | 2,500 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0784% | 3,366 |
| Cost of funding earning assets | 0.4365% | 3,581 |
| Net interest margin | 3.6419% | 3,090 |
| Noninterest income to average assets | 0.3468% | 4,599 |
| Noninterest expense to average assets | 1.9590% | 5,964 |
| Loan and lease loss provision to assets | 0.2501% | 862 |
| Net operating income to assets | 1.5939% | 673 |
| Return on assets (ROA) | 1.6038% | 694 |
| Pretax return on assets | 1.6255% | 1,123 |
| Return on Equity (ROE) | 15.4003% | 719 |
| Retained earnings to average equity (ytd only) | 15.4003% | 303 |
| Net charge-offs to loans | -0.0231% | 5,419 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2206% | 6,179 |
| Assets per employee ($millions) | 3.9067% | 4,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4882% | 3,190 |
| Loan loss allowance to noncurrent loans | 53.9720% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 1.8995% | 1,815 |
| Noncurrent loans to loans | 2.7574% | 1,215 |
| Net loans and leases to total assets | 62.1994% | 3,205 |
| Net loans and leases to deposits | 69.8362% | 3,625 |
| Net loans and leases to core deposits | 73.0317% | 3,760 |
| Total domestic deposits to total assets | 89.0647% | 1,616 |
| Equity capital to assets | 10.6459% | 3,093 |
| Core capital (leverage) ratio | 11.0651% | 2,336 |
| Tier 1 risk-based capital ratio | 15.7750% | 3,285 |
| Total risk-based capital ratio | 17.0261% | 3,248 |
| Memoranda: | ||
| Average total assets | $239,923,500 | 2,647 |
| Average earning assets | $229,112,000 | 2,565 |
| Average equity | $24,986,500 | 2,647 |
| Average total loans | $156,040,500 | 2,508 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1648% | 3,479 |
| Cost of funding earning assets | 0.4904% | 3,704 |
| Net interest margin | 3.6744% | 3,156 |
| Noninterest income to average assets | 0.3963% | 4,477 |
| Noninterest expense to average assets | 2.1372% | 5,754 |
| Loan and lease loss provision to assets | 0.2412% | 1,497 |
| Net operating income to assets | 1.5036% | 819 |
| Return on assets (ROA) | 1.5315% | 809 |
| Pretax return on assets | 1.5548% | 1,283 |
| Return on Equity (ROE) | 15.0927% | 744 |
| Retained earnings to average equity (ytd only) | 6.3778% | 1,757 |
| Net charge-offs to loans | 0.4377% | 1,519 |
| Credit loss provision to net charge-offs | 90.3614% | 2,744 |
| Earnings coverage of net charge-offs (x) | 6.6235% | 3,021 |
| Efficiency ratio | 54.7298% | 6,076 |
| Assets per employee ($millions) | 3.7130% | 4,451 |
| Cash dividends to net income (ytd only)* | 57.7428% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 3,976 |
| Loan loss allowance to noncurrent loans | 49.4164% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 1.9223% | 1,881 |
| Noncurrent loans to loans | 2.6918% | 1,361 |
| Net loans and leases to total assets | 66.0819% | 2,680 |
| Net loans and leases to deposits | 74.5074% | 3,192 |
| Net loans and leases to core deposits | 77.6132% | 3,414 |
| Total domestic deposits to total assets | 88.6917% | 1,807 |
| Equity capital to assets | 10.1784% | 3,536 |
| Core capital (leverage) ratio | 10.6186% | 2,761 |
| Tier 1 risk-based capital ratio | 15.1449% | 3,583 |
| Total risk-based capital ratio | 16.3790% | 3,536 |
| Memoranda: | ||
| Average total assets | $248,783,000 | 2,540 |
| Average earning assets | $237,564,800 | 2,445 |
| Average equity | $25,244,000 | 2,609 |
| Average total loans | $151,692,800 | 2,536 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1358% | 3,618 |
| Cost of funding earning assets | 0.4914% | 3,855 |
| Net interest margin | 3.6444% | 3,258 |
| Noninterest income to average assets | 0.4171% | 4,393 |
| Noninterest expense to average assets | 2.0876% | 5,857 |
| Loan and lease loss provision to assets | 0.2385% | 1,511 |
| Net operating income to assets | 1.5472% | 826 |
| Return on assets (ROA) | 1.5629% | 855 |
| Pretax return on assets | 1.5857% | 1,370 |
| Return on Equity (ROE) | 15.4142% | 726 |
| Retained earnings to average equity (ytd only) | 7.2602% | 1,764 |
| Net charge-offs to loans | 0.4147% | 1,552 |
| Credit loss provision to net charge-offs | 96.5665% | 2,475 |
| Earnings coverage of net charge-offs (x) | 7.3219% | 2,812 |
| Efficiency ratio | 53.5845% | 6,136 |
| Assets per employee ($millions) | 3.6615% | 4,532 |
| Cash dividends to net income (ytd only)* | 52.8994% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4305% | 3,769 |
| Loan loss allowance to noncurrent loans | 52.9988% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 1.7956% | 2,280 |
| Noncurrent loans to loans | 2.6992% | 1,567 |
| Net loans and leases to total assets | 60.8089% | 3,560 |
| Net loans and leases to deposits | 70.3085% | 3,741 |
| Net loans and leases to core deposits | 72.6895% | 4,007 |
| Total domestic deposits to total assets | 86.4887% | 2,971 |
| Equity capital to assets | 9.7864% | 4,204 |
| Core capital (leverage) ratio | 10.4536% | 3,056 |
| Tier 1 risk-based capital ratio | 15.2203% | 3,609 |
| Total risk-based capital ratio | 16.4707% | 3,569 |
| Memoranda: | ||
| Average total assets | $251,571,000 | 2,530 |
| Average earning assets | $240,140,750 | 2,434 |
| Average equity | $25,508,250 | 2,618 |
| Average total loans | $149,829,000 | 2,568 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1037% | 3,722 |
| Cost of funding earning assets | 0.4948% | 3,948 |
| Net interest margin | 3.6088% | 3,323 |
| Noninterest income to average assets | 0.3288% | 5,068 |
| Noninterest expense to average assets | 2.0532% | 5,954 |
| Loan and lease loss provision to assets | 0.2365% | 1,570 |
| Net operating income to assets | 1.4667% | 952 |
| Return on assets (ROA) | 1.5139% | 944 |
| Pretax return on assets | 1.5375% | 1,518 |
| Return on Equity (ROE) | 14.7645% | 854 |
| Retained earnings to average equity (ytd only) | 7.3823% | 1,723 |
| Net charge-offs to loans | 0.6107% | 1,085 |
| Credit loss provision to net charge-offs | 65.7895% | 2,917 |
| Earnings coverage of net charge-offs (x) | 4.8004% | 3,029 |
| Efficiency ratio | 54.3292% | 6,119 |
| Assets per employee ($millions) | 3.6678% | 4,476 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3987% | 4,043 |
| Loan loss allowance to noncurrent loans | 41.3012% | 5,575 |
| Noncurrent assets plus other real estate owned to assets | 2.1082% | 2,045 |
| Noncurrent loans to loans | 3.3867% | 1,265 |
| Net loans and leases to total assets | 57.2350% | 4,104 |
| Net loans and leases to deposits | 64.7333% | 4,407 |
| Net loans and leases to core deposits | 67.4479% | 4,555 |
| Total domestic deposits to total assets | 88.4165% | 1,972 |
| Equity capital to assets | 9.8325% | 4,144 |
| Core capital (leverage) ratio | 9.8645% | 3,697 |
| Tier 1 risk-based capital ratio | 14.8544% | 3,872 |
| Total risk-based capital ratio | 16.0495% | 3,876 |
| Memoranda: | ||
| Average total assets | $253,654,330 | 2,519 |
| Average earning assets | $242,515,330 | 2,424 |
| Average equity | $26,008,330 | 2,585 |
| Average total loans | $149,324,670 | 2,584 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1144% | 3,663 |
| Cost of funding earning assets | 0.5129% | 3,945 |
| Net interest margin | 3.6015% | 3,260 |
| Noninterest income to average assets | 0.3675% | 4,733 |
| Noninterest expense to average assets | 1.8735% | 6,320 |
| Loan and lease loss provision to assets | 0.2346% | 1,554 |
| Net operating income to assets | 1.6749% | 619 |
| Return on assets (ROA) | 1.6749% | 683 |
| Pretax return on assets | 1.6968% | 1,082 |
| Return on Equity (ROE) | 16.0144% | 604 |
| Retained earnings to average equity (ytd only) | 16.0144% | 276 |
| Net charge-offs to loans | 0.2612% | 1,914 |
| Credit loss provision to net charge-offs | 151.5152% | 1,351 |
| Earnings coverage of net charge-offs (x) | 12.4747% | 1,595 |
| Efficiency ratio | 49.2396% | 6,551 |
| Assets per employee ($millions) | 3.9706% | 4,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5484% | 3,625 |
| Loan loss allowance to noncurrent loans | 49.5780% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 1.8815% | 2,501 |
| Noncurrent loans to loans | 3.1231% | 1,590 |
| Net loans and leases to total assets | 54.9882% | 4,242 |
| Net loans and leases to deposits | 61.5336% | 4,608 |
| Net loans and leases to core deposits | 63.8968% | 4,751 |
| Total domestic deposits to total assets | 89.3629% | 1,449 |
| Equity capital to assets | 10.4778% | 3,566 |
| Core capital (leverage) ratio | 9.9090% | 3,517 |
| Tier 1 risk-based capital ratio | 15.0965% | 3,772 |
| Total risk-based capital ratio | 16.3476% | 3,730 |
| Memoranda: | ||
| Average total assets | $255,778,000 | 2,527 |
| Average earning assets | $244,119,000 | 2,431 |
| Average equity | $26,751,000 | 2,542 |
| Average total loans | $151,600,500 | 2,560 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5530% | 3,201 |
| Cost of funding earning assets | 0.7009% | 3,488 |
| Net interest margin | 3.8521% | 3,016 |
| Noninterest income to average assets | 0.5243% | 3,751 |
| Noninterest expense to average assets | 2.1160% | 6,094 |
| Loan and lease loss provision to assets | 0.2422% | 2,714 |
| Net operating income to assets | 1.8078% | 501 |
| Return on assets (ROA) | 1.8242% | 557 |
| Pretax return on assets | 1.8512% | 822 |
| Return on Equity (ROE) | 17.7883% | 460 |
| Retained earnings to average equity (ytd only) | 9.1303% | 787 |
| Net charge-offs to loans | 0.3687% | 2,783 |
| Credit loss provision to net charge-offs | 105.8201% | 2,812 |
| Earnings coverage of net charge-offs (x) | 9.0758% | 2,311 |
| Efficiency ratio | 50.4668% | 6,559 |
| Assets per employee ($millions) | 3.6210% | 4,732 |
| Cash dividends to net income (ytd only)* | 48.6726% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3706% | 4,308 |
| Loan loss allowance to noncurrent loans | 42.6614% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 2.1727% | 2,263 |
| Noncurrent loans to loans | 3.2128% | 1,610 |
| Net loans and leases to total assets | 61.8899% | 3,266 |
| Net loans and leases to deposits | 70.0642% | 3,699 |
| Net loans and leases to core deposits | 72.7521% | 3,945 |
| Total domestic deposits to total assets | 88.3330% | 2,010 |
| Equity capital to assets | 10.4392% | 3,605 |
| Core capital (leverage) ratio | 9.7457% | 3,738 |
| Tier 1 risk-based capital ratio | 12.5198% | 5,461 |
| Total risk-based capital ratio | 13.6472% | 5,496 |
| Memoranda: | ||
| Average total assets | $247,779,400 | 2,549 |
| Average earning assets | $235,975,400 | 2,448 |
| Average equity | $25,410,000 | 2,618 |
| Average total loans | $153,784,600 | 2,518 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5986% | 3,206 |
| Cost of funding earning assets | 0.7377% | 3,458 |
| Net interest margin | 3.8610% | 3,070 |
| Noninterest income to average assets | 0.5693% | 3,476 |
| Noninterest expense to average assets | 2.0517% | 6,264 |
| Loan and lease loss provision to assets | 0.2435% | 2,618 |
| Net operating income to assets | 1.9268% | 430 |
| Return on assets (ROA) | 1.9343% | 484 |
| Pretax return on assets | 1.9613% | 763 |
| Return on Equity (ROE) | 18.9490% | 398 |
| Retained earnings to average equity (ytd only) | 10.4660% | 794 |
| Net charge-offs to loans | 0.4119% | 2,447 |
| Credit loss provision to net charge-offs | 95.5414% | 3,124 |
| Earnings coverage of net charge-offs (x) | 8.6200% | 2,421 |
| Efficiency ratio | 48.2868% | 6,702 |
| Assets per employee ($millions) | 3.3057% | 5,433 |
| Cash dividends to net income (ytd only)* | 44.7678% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 4,379 |
| Loan loss allowance to noncurrent loans | 82.7305% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 1.2028% | 3,884 |
| Noncurrent loans to loans | 1.6911% | 3,256 |
| Net loans and leases to total assets | 60.4638% | 3,677 |
| Net loans and leases to deposits | 67.8256% | 4,212 |
| Net loans and leases to core deposits | 70.3754% | 4,453 |
| Total domestic deposits to total assets | 89.1460% | 1,345 |
| Equity capital to assets | 10.7177% | 3,591 |
| Core capital (leverage) ratio | 9.7371% | 3,893 |
| Tier 1 risk-based capital ratio | 13.0635% | 5,196 |
| Total risk-based capital ratio | 14.2279% | 5,235 |
| Memoranda: | ||
| Average total assets | $246,357,250 | 2,590 |
| Average earning assets | $234,789,500 | 2,480 |
| Average equity | $25,147,500 | 2,668 |
| Average total loans | $152,468,000 | 2,567 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5988% | 3,368 |
| Cost of funding earning assets | 0.7813% | 3,350 |
| Net interest margin | 3.8176% | 3,280 |
| Noninterest income to average assets | 0.6557% | 2,925 |
| Noninterest expense to average assets | 2.0428% | 6,346 |
| Loan and lease loss provision to assets | 0.2441% | 2,624 |
| Net operating income to assets | 1.9802% | 404 |
| Return on assets (ROA) | 1.9818% | 463 |
| Pretax return on assets | 2.0079% | 691 |
| Return on Equity (ROE) | 19.7465% | 372 |
| Retained earnings to average equity (ytd only) | 11.6404% | 641 |
| Net charge-offs to loans | 0.4023% | 2,416 |
| Credit loss provision to net charge-offs | 97.7199% | 2,836 |
| Earnings coverage of net charge-offs (x) | 9.0098% | 2,215 |
| Efficiency ratio | 47.5839% | 6,802 |
| Assets per employee ($millions) | 3.4267% | 5,147 |
| Cash dividends to net income (ytd only)* | 41.0509% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 4,465 |
| Loan loss allowance to noncurrent loans | 44.1692% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 2.1181% | 2,639 |
| Noncurrent loans to loans | 3.1698% | 1,840 |
| Net loans and leases to total assets | 61.0842% | 3,613 |
| Net loans and leases to deposits | 68.8010% | 4,074 |
| Net loans and leases to core deposits | 71.4923% | 4,356 |
| Total domestic deposits to total assets | 88.7839% | 1,653 |
| Equity capital to assets | 10.3216% | 3,912 |
| Core capital (leverage) ratio | 9.3534% | 4,366 |
| Tier 1 risk-based capital ratio | 12.7654% | 5,363 |
| Total risk-based capital ratio | 13.9365% | 5,406 |
| Memoranda: | ||
| Average total assets | $245,834,000 | 2,591 |
| Average earning assets | $234,232,670 | 2,482 |
| Average equity | $24,672,670 | 2,701 |
| Average total loans | $152,613,000 | 2,571 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6364% | 3,332 |
| Cost of funding earning assets | 0.8395% | 3,155 |
| Net interest margin | 3.7968% | 3,404 |
| Noninterest income to average assets | 0.6928% | 2,694 |
| Noninterest expense to average assets | 2.0180% | 6,431 |
| Loan and lease loss provision to assets | 0.2445% | 2,509 |
| Net operating income to assets | 2.0213% | 402 |
| Return on assets (ROA) | 2.0245% | 459 |
| Pretax return on assets | 2.0457% | 687 |
| Return on Equity (ROE) | 20.4647% | 360 |
| Retained earnings to average equity (ytd only) | 20.4647% | 178 |
| Net charge-offs to loans | 0.6374% | 1,529 |
| Credit loss provision to net charge-offs | 61.7284% | 3,079 |
| Earnings coverage of net charge-offs (x) | 5.7737% | 2,302 |
| Efficiency ratio | 46.8762% | 6,859 |
| Assets per employee ($millions) | 3.7637% | 4,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4242% | 4,498 |
| Loan loss allowance to noncurrent loans | 55.7364% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 1.5742% | 3,496 |
| Noncurrent loans to loans | 2.5553% | 2,551 |
| Net loans and leases to total assets | 55.5751% | 4,460 |
| Net loans and leases to deposits | 61.5957% | 4,973 |
| Net loans and leases to core deposits | 64.4650% | 5,061 |
| Total domestic deposits to total assets | 90.2256% | 956 |
| Equity capital to assets | 9.6248% | 4,617 |
| Core capital (leverage) ratio | 9.3694% | 4,239 |
| Tier 1 risk-based capital ratio | 12.6913% | 5,454 |
| Total risk-based capital ratio | 13.8188% | 5,513 |
| Memoranda: | ||
| Average total assets | $245,388,500 | 2,609 |
| Average earning assets | $233,459,500 | 2,505 |
| Average equity | $24,276,000 | 2,740 |
| Average total loans | $152,494,500 | 2,593 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0499% | 2,653 |
| Cost of funding earning assets | 1.1001% | 2,674 |
| Net interest margin | 3.9498% | 3,106 |
| Noninterest income to average assets | 0.2575% | 5,694 |
| Noninterest expense to average assets | 1.9823% | 6,701 |
| Loan and lease loss provision to assets | 0.2425% | 3,781 |
| Net operating income to assets | 1.7249% | 530 |
| Return on assets (ROA) | 1.9051% | 402 |
| Pretax return on assets | 1.9362% | 615 |
| Return on Equity (ROE) | 20.7920% | 233 |
| Retained earnings to average equity (ytd only) | 9.7629% | 610 |
| Net charge-offs to loans | 0.7501% | 2,277 |
| Credit loss provision to net charge-offs | 49.4234% | 5,432 |
| Earnings coverage of net charge-offs (x) | 4.0651% | 3,283 |
| Efficiency ratio | 49.8120% | 6,847 |
| Assets per employee ($millions) | 3.5582% | 4,873 |
| Cash dividends to net income (ytd only)* | 53.0448% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3367% | 4,725 |
| Loan loss allowance to noncurrent loans | 51.3507% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 1.9383% | 3,055 |
| Noncurrent loans to loans | 2.6030% | 2,511 |
| Net loans and leases to total assets | 67.5133% | 2,490 |
| Net loans and leases to deposits | 75.3698% | 3,282 |
| Net loans and leases to core deposits | 78.9959% | 3,573 |
| Total domestic deposits to total assets | 89.5761% | 1,221 |
| Equity capital to assets | 10.1851% | 3,927 |
| Core capital (leverage) ratio | 9.0393% | 4,713 |
| Tier 1 risk-based capital ratio | 11.8297% | 5,946 |
| Total risk-based capital ratio | 12.9905% | 5,986 |
| Memoranda: | ||
| Average total assets | $247,387,800 | 2,549 |
| Average earning assets | $232,976,200 | 2,473 |
| Average equity | $22,667,400 | 2,818 |
| Average total loans | $161,841,800 | 2,478 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0402% | 2,890 |
| Cost of funding earning assets | 1.1480% | 2,644 |
| Net interest margin | 3.8922% | 3,415 |
| Noninterest income to average assets | 0.3348% | 5,181 |
| Noninterest expense to average assets | 1.9394% | 6,808 |
| Loan and lease loss provision to assets | 0.2395% | 3,613 |
| Net operating income to assets | 1.7856% | 533 |
| Return on assets (ROA) | 2.0218% | 354 |
| Pretax return on assets | 2.0527% | 563 |
| Return on Equity (ROE) | 22.6586% | 196 |
| Retained earnings to average equity (ytd only) | 13.1156% | 371 |
| Net charge-offs to loans | 0.9910% | 1,625 |
| Credit loss provision to net charge-offs | 37.3444% | 5,292 |
| Earnings coverage of net charge-offs (x) | 3.1983% | 3,543 |
| Efficiency ratio | 48.5596% | 6,917 |
| Assets per employee ($millions) | 3.9220% | 4,025 |
| Cash dividends to net income (ytd only)* | 42.1163% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 5,326 |
| Loan loss allowance to noncurrent loans | 57.3265% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 1.6707% | 3,583 |
| Noncurrent loans to loans | 2.1542% | 3,172 |
| Net loans and leases to total assets | 64.9628% | 3,113 |
| Net loans and leases to deposits | 72.1122% | 3,969 |
| Net loans and leases to core deposits | 75.3709% | 4,268 |
| Total domestic deposits to total assets | 90.0858% | 820 |
| Equity capital to assets | 9.7010% | 4,777 |
| Core capital (leverage) ratio | 8.7537% | 5,332 |
| Tier 1 risk-based capital ratio | 11.7173% | 6,091 |
| Total risk-based capital ratio | 12.7924% | 6,206 |
| Memoranda: | ||
| Average total assets | $250,523,750 | 2,525 |
| Average earning assets | $235,304,500 | 2,461 |
| Average equity | $22,354,500 | 2,851 |
| Average total loans | $162,127,500 | 2,482 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0398% | 2,970 |
| Cost of funding earning assets | 1.2118% | 2,494 |
| Net interest margin | 3.8280% | 3,656 |
| Noninterest income to average assets | 0.3314% | 5,242 |
| Noninterest expense to average assets | 1.9255% | 6,911 |
| Loan and lease loss provision to assets | 0.2384% | 3,533 |
| Net operating income to assets | 1.7279% | 566 |
| Return on assets (ROA) | 2.0678% | 321 |
| Pretax return on assets | 2.0956% | 498 |
| Return on Equity (ROE) | 23.8541% | 164 |
| Retained earnings to average equity (ytd only) | 16.5200% | 184 |
| Net charge-offs to loans | 0.1444% | 4,325 |
| Credit loss provision to net charge-offs | 256.4103% | 1,182 |
| Earnings coverage of net charge-offs (x) | 21.4103% | 1,154 |
| Efficiency ratio | 49.1071% | 7,000 |
| Assets per employee ($millions) | 3.7480% | 4,323 |
| Cash dividends to net income (ytd only)* | 30.7456% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8146% | 2,938 |
| Loan loss allowance to noncurrent loans | 65.5756% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 2.0969% | 3,109 |
| Noncurrent loans to loans | 2.7673% | 2,633 |
| Net loans and leases to total assets | 64.4174% | 3,373 |
| Net loans and leases to deposits | 71.2967% | 4,234 |
| Net loans and leases to core deposits | 74.4041% | 4,526 |
| Total domestic deposits to total assets | 90.3511% | 787 |
| Equity capital to assets | 9.2952% | 5,141 |
| Core capital (leverage) ratio | 8.6025% | 5,404 |
| Tier 1 risk-based capital ratio | 11.8321% | 5,910 |
| Total risk-based capital ratio | 13.0865% | 5,889 |
| Memoranda: | ||
| Average total assets | $251,668,670 | 2,532 |
| Average earning assets | $235,685,000 | 2,467 |
| Average equity | $21,816,000 | 2,898 |
| Average total loans | $161,995,670 | 2,514 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0139% | 3,044 |
| Cost of funding earning assets | 1.3143% | 2,102 |
| Net interest margin | 3.6996% | 4,106 |
| Noninterest income to average assets | 0.3026% | 5,501 |
| Noninterest expense to average assets | 1.8690% | 7,045 |
| Loan and lease loss provision to assets | 0.2364% | 3,297 |
| Net operating income to assets | 1.6185% | 663 |
| Return on assets (ROA) | 1.6185% | 700 |
| Pretax return on assets | 1.6484% | 1,082 |
| Return on Equity (ROE) | 19.3523% | 373 |
| Retained earnings to average equity (ytd only) | 19.3523% | 183 |
| Net charge-offs to loans | 0.1038% | 3,914 |
| Credit loss provision to net charge-offs | 357.1429% | 915 |
| Earnings coverage of net charge-offs (x) | 28.4762% | 857 |
| Efficiency ratio | 49.7481% | 7,006 |
| Assets per employee ($millions) | 4.1301% | 3,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8283% | 2,925 |
| Loan loss allowance to noncurrent loans | 111.0681% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 1.2200% | 4,514 |
| Noncurrent loans to loans | 1.6461% | 4,012 |
| Net loans and leases to total assets | 60.1824% | 4,231 |
| Net loans and leases to deposits | 66.0792% | 4,967 |
| Net loans and leases to core deposits | 69.6078% | 5,100 |
| Total domestic deposits to total assets | 91.0761% | 592 |
| Equity capital to assets | 8.6033% | 5,772 |
| Core capital (leverage) ratio | 8.1519% | 6,048 |
| Tier 1 risk-based capital ratio | 11.4948% | 6,110 |
| Total risk-based capital ratio | 12.7348% | 6,096 |
| Memoranda: | ||
| Average total assets | $253,820,500 | 2,534 |
| Average earning assets | $236,782,500 | 2,474 |
| Average equity | $21,227,500 | 2,954 |
| Average total loans | $161,848,000 | 2,534 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3925% | 2,705 |
| Cost of funding earning assets | 1.7669% | 1,313 |
| Net interest margin | 3.6256% | 4,698 |
| Noninterest income to average assets | 0.3739% | 5,103 |
| Noninterest expense to average assets | 1.8409% | 7,225 |
| Loan and lease loss provision to assets | 0.5759% | 2,827 |
| Net operating income to assets | 1.3413% | 1,077 |
| Return on assets (ROA) | 1.4200% | 976 |
| Pretax return on assets | 1.4305% | 1,563 |
| Return on Equity (ROE) | 16.2539% | 558 |
| Retained earnings to average equity (ytd only) | 3.7838% | 3,215 |
| Net charge-offs to loans | 0.2346% | 4,875 |
| Credit loss provision to net charge-offs | 380.6971% | 656 |
| Earnings coverage of net charge-offs (x) | 12.7373% | 1,476 |
| Efficiency ratio | 48.3854% | 7,245 |
| Assets per employee ($millions) | 3.9933% | 3,801 |
| Cash dividends to net income (ytd only)* | 76.7209% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6567% | 3,372 |
| Loan loss allowance to noncurrent loans | 134.0777% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 1.0335% | 4,930 |
| Noncurrent loans to loans | 1.2356% | 4,656 |
| Net loans and leases to total assets | 65.1724% | 3,631 |
| Net loans and leases to deposits | 71.5677% | 4,592 |
| Net loans and leases to core deposits | 74.9046% | 4,860 |
| Total domestic deposits to total assets | 91.0639% | 575 |
| Equity capital to assets | 8.1188% | 6,363 |
| Core capital (leverage) ratio | 7.9221% | 6,297 |
| Tier 1 risk-based capital ratio | 10.5563% | 6,661 |
| Total risk-based capital ratio | 11.8088% | 6,636 |
| Memoranda: | ||
| Average total assets | $246,557,600 | 2,581 |
| Average earning assets | $230,800,800 | 2,518 |
| Average equity | $21,539,400 | 2,943 |
| Average total loans | $158,963,400 | 2,628 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4336% | 2,729 |
| Cost of funding earning assets | 1.8532% | 1,201 |
| Net interest margin | 3.5804% | 4,971 |
| Noninterest income to average assets | 0.3598% | 5,285 |
| Noninterest expense to average assets | 1.8409% | 7,285 |
| Loan and lease loss provision to assets | 0.1468% | 5,572 |
| Net operating income to assets | 1.7159% | 606 |
| Return on assets (ROA) | 1.8214% | 521 |
| Pretax return on assets | 1.8306% | 872 |
| Return on Equity (ROE) | 20.4780% | 285 |
| Retained earnings to average equity (ytd only) | 12.7048% | 382 |
| Net charge-offs to loans | 0.2233% | 4,602 |
| Credit loss provision to net charge-offs | 102.6616% | 4,192 |
| Earnings coverage of net charge-offs (x) | 13.0874% | 1,620 |
| Efficiency ratio | 49.0262% | 7,206 |
| Assets per employee ($millions) | 4.1779% | 3,487 |
| Cash dividends to net income (ytd only)* | 37.9589% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 6,003 |
| Loan loss allowance to noncurrent loans | 61.8757% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 1.3292% | 4,496 |
| Noncurrent loans to loans | 1.7542% | 4,010 |
| Net loans and leases to total assets | 62.6006% | 4,408 |
| Net loans and leases to deposits | 69.2607% | 5,238 |
| Net loans and leases to core deposits | 73.1045% | 5,393 |
| Total domestic deposits to total assets | 90.3840% | 684 |
| Equity capital to assets | 9.2263% | 5,265 |
| Core capital (leverage) ratio | 8.5355% | 5,441 |
| Tier 1 risk-based capital ratio | 11.7155% | 5,717 |
| Total risk-based capital ratio | 12.6791% | 5,978 |
| Memoranda: | ||
| Average total assets | $245,303,000 | 2,630 |
| Average earning assets | $229,650,250 | 2,570 |
| Average equity | $21,818,000 | 2,940 |
| Average total loans | $157,024,250 | 2,701 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4709% | 2,652 |
| Cost of funding earning assets | 1.9090% | 1,209 |
| Net interest margin | 3.5619% | 4,991 |
| Noninterest income to average assets | 0.3417% | 5,417 |
| Noninterest expense to average assets | 1.8553% | 7,322 |
| Loan and lease loss provision to assets | 0.1478% | 5,421 |
| Net operating income to assets | 1.6689% | 619 |
| Return on assets (ROA) | 1.7921% | 539 |
| Pretax return on assets | 1.7979% | 889 |
| Return on Equity (ROE) | 20.4103% | 297 |
| Retained earnings to average equity (ytd only) | 15.3031% | 226 |
| Net charge-offs to loans | 0.2799% | 3,937 |
| Credit loss provision to net charge-offs | 82.1918% | 4,649 |
| Earnings coverage of net charge-offs (x) | 10.1324% | 1,931 |
| Efficiency ratio | 49.7990% | 7,235 |
| Assets per employee ($millions) | 4.2585% | 3,285 |
| Cash dividends to net income (ytd only)* | 25.0229% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 6,115 |
| Loan loss allowance to noncurrent loans | 73.2838% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.1482% | 4,836 |
| Noncurrent loans to loans | 1.4506% | 4,533 |
| Net loans and leases to total assets | 63.1505% | 4,432 |
| Net loans and leases to deposits | 69.5951% | 5,337 |
| Net loans and leases to core deposits | 73.3017% | 5,523 |
| Total domestic deposits to total assets | 90.7399% | 586 |
| Equity capital to assets | 8.9666% | 5,498 |
| Core capital (leverage) ratio | 8.3104% | 5,746 |
| Tier 1 risk-based capital ratio | 11.3733% | 5,887 |
| Total risk-based capital ratio | 12.3042% | 6,172 |
| Memoranda: | ||
| Average total assets | $243,512,330 | 2,670 |
| Average earning assets | $228,078,000 | 2,600 |
| Average equity | $21,381,330 | 2,990 |
| Average total loans | $156,483,670 | 2,743 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5275% | 2,466 |
| Cost of funding earning assets | 1.9172% | 1,384 |
| Net interest margin | 3.6102% | 4,685 |
| Noninterest income to average assets | 0.3375% | 5,442 |
| Noninterest expense to average assets | 1.9572% | 7,239 |
| Loan and lease loss provision to assets | 0.1489% | 5,060 |
| Net operating income to assets | 1.6147% | 726 |
| Return on assets (ROA) | 1.6429% | 739 |
| Pretax return on assets | 1.6429% | 1,177 |
| Return on Equity (ROE) | 18.9156% | 444 |
| Retained earnings to average equity (ytd only) | 18.9156% | 215 |
| Net charge-offs to loans | 0.5080% | 2,546 |
| Credit loss provision to net charge-offs | 45.4545% | 4,546 |
| Earnings coverage of net charge-offs (x) | 5.3838% | 2,413 |
| Efficiency ratio | 51.9787% | 7,160 |
| Assets per employee ($millions) | 4.6069% | 2,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 6,373 |
| Loan loss allowance to noncurrent loans | 66.5149% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 1.2668% | 4,645 |
| Noncurrent loans to loans | 1.5293% | 4,455 |
| Net loans and leases to total assets | 64.0432% | 4,317 |
| Net loans and leases to deposits | 70.4044% | 5,282 |
| Net loans and leases to core deposits | 75.1119% | 5,372 |
| Total domestic deposits to total assets | 90.9647% | 563 |
| Equity capital to assets | 8.7842% | 5,578 |
| Core capital (leverage) ratio | 8.2121% | 5,893 |
| Tier 1 risk-based capital ratio | 11.3105% | 5,843 |
| Total risk-based capital ratio | 12.2276% | 6,148 |
| Memoranda: | ||
| Average total assets | $241,771,500 | 2,743 |
| Average earning assets | $226,577,500 | 2,670 |
| Average equity | $20,998,500 | 3,064 |
| Average total loans | $155,898,500 | 2,814 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7342% | 2,938 |
| Cost of funding earning assets | 2.1995% | 2,036 |
| Net interest margin | 3.5347% | 4,801 |
| Noninterest income to average assets | 0.4620% | 4,703 |
| Noninterest expense to average assets | 2.2737% | 6,813 |
| Loan and lease loss provision to assets | 0.2899% | 5,108 |
| Net operating income to assets | 1.1849% | 1,288 |
| Return on assets (ROA) | 1.2644% | 1,160 |
| Pretax return on assets | 1.2750% | 1,766 |
| Return on Equity (ROE) | 14.3106% | 734 |
| Retained earnings to average equity (ytd only) | 5.7312% | 1,457 |
| Net charge-offs to loans | 0.4702% | 3,898 |
| Credit loss provision to net charge-offs | 95.5137% | 5,800 |
| Earnings coverage of net charge-offs (x) | 4.8915% | 2,767 |
| Efficiency ratio | 59.8808% | 6,506 |
| Assets per employee ($millions) | 4.5166% | 2,894 |
| Cash dividends to net income (ytd only)* | 59.9514% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1143% | 5,835 |
| Loan loss allowance to noncurrent loans | 86.1740% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 1.0749% | 4,944 |
| Noncurrent loans to loans | 1.2931% | 4,767 |
| Net loans and leases to total assets | 63.5418% | 4,696 |
| Net loans and leases to deposits | 69.7029% | 5,641 |
| Net loans and leases to core deposits | 87.0186% | 5,431 |
| Total domestic deposits to total assets | 91.1608% | 474 |
| Equity capital to assets | 8.5843% | 5,748 |
| Core capital (leverage) ratio | 8.2768% | 5,659 |
| Tier 1 risk-based capital ratio | 11.1549% | 5,770 |
| Total risk-based capital ratio | 12.1712% | 5,967 |
| Memoranda: | ||
| Average total assets | $227,688,000 | 2,851 |
| Average earning assets | $212,323,200 | 2,806 |
| Average equity | $20,118,000 | 3,176 |
| Average total loans | $146,966,000 | 2,969 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8019% | 2,884 |
| Cost of funding earning assets | 2.3095% | 1,945 |
| Net interest margin | 3.4924% | 4,892 |
| Noninterest income to average assets | 0.4325% | 5,027 |
| Noninterest expense to average assets | 1.8638% | 7,587 |
| Loan and lease loss provision to assets | 0.1748% | 5,613 |
| Net operating income to assets | 1.6285% | 630 |
| Return on assets (ROA) | 1.7234% | 565 |
| Pretax return on assets | 1.7389% | 900 |
| Return on Equity (ROE) | 20.9071% | 266 |
| Retained earnings to average equity (ytd only) | 10.0687% | 628 |
| Net charge-offs to loans | 0.1062% | 5,608 |
| Credit loss provision to net charge-offs | 245.4545% | 1,765 |
| Earnings coverage of net charge-offs (x) | 25.5278% | 1,050 |
| Efficiency ratio | 49.7626% | 7,576 |
| Assets per employee ($millions) | 3.9441% | 3,840 |
| Cash dividends to net income (ytd only)* | 51.8407% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 5,044 |
| Loan loss allowance to noncurrent loans | 65.5106% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 1.4405% | 4,228 |
| Noncurrent loans to loans | 1.8489% | 3,846 |
| Net loans and leases to total assets | 65.1013% | 4,629 |
| Net loans and leases to deposits | 71.2519% | 5,768 |
| Net loans and leases to core deposits | 88.3242% | 5,610 |
| Total domestic deposits to total assets | 91.3678% | 287 |
| Equity capital to assets | 8.3674% | 6,421 |
| Core capital (leverage) ratio | 7.8573% | 6,557 |
| Tier 1 risk-based capital ratio | 10.8253% | 6,128 |
| Total risk-based capital ratio | 11.9541% | 6,219 |
| Memoranda: | ||
| Average total assets | $205,949,500 | 3,127 |
| Average earning assets | $191,609,500 | 3,095 |
| Average equity | $16,976,250 | 3,705 |
| Average total loans | $138,044,500 | 3,152 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8729% | 2,702 |
| Cost of funding earning assets | 2.3490% | 2,161 |
| Net interest margin | 3.5240% | 4,680 |
| Noninterest income to average assets | 0.4509% | 4,840 |
| Noninterest expense to average assets | 1.8801% | 7,651 |
| Loan and lease loss provision to assets | 0.1768% | 5,279 |
| Net operating income to assets | 1.6596% | 606 |
| Return on assets (ROA) | 1.8035% | 499 |
| Pretax return on assets | 1.8182% | 819 |
| Return on Equity (ROE) | 21.9950% | 238 |
| Retained earnings to average equity (ytd only) | 14.5795% | 225 |
| Net charge-offs to loans | 0.1603% | 4,598 |
| Credit loss provision to net charge-offs | 163.6364% | 2,803 |
| Earnings coverage of net charge-offs (x) | 17.1182% | 1,496 |
| Efficiency ratio | 49.6445% | 7,688 |
| Assets per employee ($millions) | 3.8088% | 4,076 |
| Cash dividends to net income (ytd only)* | 33.7146% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 5,122 |
| Loan loss allowance to noncurrent loans | 75.9547% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.2974% | 4,351 |
| Noncurrent loans to loans | 1.5455% | 4,177 |
| Net loans and leases to total assets | 67.1863% | 4,317 |
| Net loans and leases to deposits | 73.6596% | 5,507 |
| Net loans and leases to core deposits | 89.9621% | 5,539 |
| Total domestic deposits to total assets | 91.2119% | 403 |
| Equity capital to assets | 8.3972% | 6,196 |
| Core capital (leverage) ratio | 8.1177% | 6,127 |
| Tier 1 risk-based capital ratio | 11.2637% | 5,624 |
| Total risk-based capital ratio | 12.3820% | 5,655 |
| Memoranda: | ||
| Average total assets | $203,605,330 | 3,183 |
| Average earning assets | $189,445,330 | 3,146 |
| Average equity | $16,694,670 | 3,775 |
| Average total loans | $137,274,670 | 3,203 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8773% | 2,906 |
| Cost of funding earning assets | 2.3934% | 2,320 |
| Net interest margin | 3.4839% | 4,790 |
| Noninterest income to average assets | 0.4284% | 4,972 |
| Noninterest expense to average assets | 1.7567% | 7,753 |
| Loan and lease loss provision to assets | 0.1761% | 4,703 |
| Net operating income to assets | 1.7254% | 616 |
| Return on assets (ROA) | 1.7254% | 676 |
| Pretax return on assets | 1.7391% | 1,102 |
| Return on Equity (ROE) | 21.2960% | 343 |
| Retained earnings to average equity (ytd only) | 21.2960% | 137 |
| Net charge-offs to loans | 0.0961% | 4,214 |
| Credit loss provision to net charge-offs | 272.7273% | 1,749 |
| Earnings coverage of net charge-offs (x) | 29.6667% | 1,066 |
| Efficiency ratio | 47.0964% | 7,784 |
| Assets per employee ($millions) | 3.7814% | 4,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 4,968 |
| Loan loss allowance to noncurrent loans | 64.3058% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 1.3402% | 3,986 |
| Noncurrent loans to loans | 1.8258% | 3,522 |
| Net loans and leases to total assets | 67.1156% | 4,318 |
| Net loans and leases to deposits | 73.5681% | 5,533 |
| Net loans and leases to core deposits | 90.0039% | 5,553 |
| Total domestic deposits to total assets | 91.2292% | 340 |
| Equity capital to assets | 8.4076% | 6,220 |
| Core capital (leverage) ratio | 7.9363% | 6,566 |
| Tier 1 risk-based capital ratio | 10.9942% | 5,917 |
| Total risk-based capital ratio | 12.1007% | 5,943 |
| Memoranda: | ||
| Average total assets | $204,476,000 | 3,191 |
| Average earning assets | $190,360,000 | 3,147 |
| Average equity | $16,566,500 | 3,824 |
| Average total loans | $137,294,000 | 3,218 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3497% | 3,693 |
| Cost of funding earning assets | 3.1870% | 1,234 |
| Net interest margin | 3.1626% | 6,486 |
| Noninterest income to average assets | 0.4217% | 5,287 |
| Noninterest expense to average assets | 1.8354% | 7,711 |
| Loan and lease loss provision to assets | 0.1739% | 5,165 |
| Net operating income to assets | 1.3613% | 1,322 |
| Return on assets (ROA) | 1.3809% | 1,228 |
| Pretax return on assets | 1.3933% | 1,991 |
| Return on Equity (ROE) | 18.9663% | 452 |
| Retained earnings to average equity (ytd only) | 10.3564% | 403 |
| Net charge-offs to loans | 0.2165% | 4,045 |
| Credit loss provision to net charge-offs | 121.5278% | 4,419 |
| Earnings coverage of net charge-offs (x) | 10.8160% | 2,459 |
| Efficiency ratio | 53.0690% | 7,374 |
| Assets per employee ($millions) | 3.9347% | 3,643 |
| Cash dividends to net income (ytd only)* | 45.3957% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 5,175 |
| Loan loss allowance to noncurrent loans | 65.1861% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 1.1825% | 3,892 |
| Noncurrent loans to loans | 1.7071% | 3,211 |
| Net loans and leases to total assets | 65.6667% | 4,917 |
| Net loans and leases to deposits | 73.3854% | 5,908 |
| Net loans and leases to core deposits | 90.2387% | 5,785 |
| Total domestic deposits to total assets | 89.4820% | 853 |
| Equity capital to assets | 7.8082% | 7,085 |
| Core capital (leverage) ratio | 7.3851% | 7,321 |
| Tier 1 risk-based capital ratio | 10.3394% | 6,377 |
| Total risk-based capital ratio | 11.4030% | 6,434 |
| Memoranda: | ||
| Average total assets | $201,314,200 | 3,118 |
| Average earning assets | $188,482,800 | 3,065 |
| Average equity | $14,657,600 | 4,205 |
| Average total loans | $133,045,200 | 3,219 |