Home > Sabine State Bank and Trust Company > Performance and Condition Ratios
Sabine State Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0286% | 612 |
| Cost of funding earning assets | 1.0267% | 3,235 |
| Net interest margin | 5.0018% | 311 |
| Noninterest income to average assets | 1.0800% | 561 |
| Noninterest expense to average assets | 3.0262% | 1,091 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 2.7538% | 197 |
| Return on assets (ROA) | 2.7538% | 196 |
| Pretax return on assets | 2.7538% | 266 |
| Return on Equity (ROE) | 29.6700% | 187 |
| Retained earnings to average equity (ytd only) | 0.3762% | 3,969 |
| Net charge-offs to loans | 0.0501% | 1,364 |
| Credit loss provision to net charge-offs | 69.5745% | 2,088 |
| Earnings coverage of net charge-offs (x) | 75.8809% | 1,058 |
| Efficiency ratio | 51.9773% | 3,834 |
| Assets per employee ($millions) | 3.5828% | 4,279 |
| Cash dividends to net income (ytd only)* | 98.7322% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9521% | 3,529 |
| Loan loss allowance to noncurrent loans | 318.0066% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 1,865 |
| Noncurrent loans to loans | 0.2994% | 2,109 |
| Net loans and leases to total assets | 77.2000% | 952 |
| Net loans and leases to deposits | 87.3593% | 1,495 |
| Net loans and leases to core deposits | 89.2989% | 2,099 |
| Total domestic deposits to total assets | 88.3700% | 1,240 |
| Equity capital to assets | 9.4074% | 2,417 |
| Core capital (leverage) ratio | 10.2347% | 2,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9694% | 1,876 |
| Memoranda: | ||
| Average total assets | $1,283,212,600 | 815 |
| Average earning assets | $1,211,302,800 | 791 |
| Average equity | $119,090,400 | 828 |
| Average total loans | $938,489,000 | 765 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9299% | 578 |
| Cost of funding earning assets | 0.9549% | 3,145 |
| Net interest margin | 4.9749% | 317 |
| Noninterest income to average assets | 1.0700% | 575 |
| Noninterest expense to average assets | 2.9939% | 1,078 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 2.7481% | 211 |
| Return on assets (ROA) | 2.7481% | 210 |
| Pretax return on assets | 2.7481% | 294 |
| Return on Equity (ROE) | 29.7100% | 231 |
| Retained earnings to average equity (ytd only) | -0.7514% | 4,234 |
| Net charge-offs to loans | 0.0485% | 1,198 |
| Credit loss provision to net charge-offs | 97.6119% | 1,647 |
| Earnings coverage of net charge-offs (x) | 79.8269% | 1,049 |
| Efficiency ratio | 51.6832% | 3,781 |
| Assets per employee ($millions) | 3.4485% | 4,334 |
| Cash dividends to net income (ytd only)* | 102.5289% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 3,369 |
| Loan loss allowance to noncurrent loans | 641.1493% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 2,443 |
| Noncurrent loans to loans | 0.1560% | 2,771 |
| Net loans and leases to total assets | 77.1800% | 972 |
| Net loans and leases to deposits | 87.5645% | 1,421 |
| Net loans and leases to core deposits | 89.1440% | 1,986 |
| Total domestic deposits to total assets | 88.1400% | 1,522 |
| Equity capital to assets | 9.3980% | 2,159 |
| Core capital (leverage) ratio | 10.1227% | 2,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6786% | 1,663 |
| Memoranda: | ||
| Average total assets | $1,281,560,250 | 817 |
| Average earning assets | $1,212,230,750 | 792 |
| Average equity | $118,528,250 | 829 |
| Average total loans | $921,774,250 | 777 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8134% | 548 |
| Cost of funding earning assets | 0.6782% | 3,546 |
| Net interest margin | 5.1352% | 263 |
| Noninterest income to average assets | 1.0200% | 549 |
| Noninterest expense to average assets | 2.9598% | 1,107 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 2.8708% | 167 |
| Return on assets (ROA) | 2.8708% | 165 |
| Pretax return on assets | 2.8708% | 231 |
| Return on Equity (ROE) | 31.2000% | 196 |
| Retained earnings to average equity (ytd only) | -0.5914% | 4,171 |
| Net charge-offs to loans | 0.0422% | 1,089 |
| Credit loss provision to net charge-offs | 171.2042% | 1,120 |
| Earnings coverage of net charge-offs (x) | 98.9424% | 944 |
| Efficiency ratio | 50.1827% | 3,913 |
| Assets per employee ($millions) | 3.4485% | 4,355 |
| Cash dividends to net income (ytd only)* | 101.8954% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 3,076 |
| Loan loss allowance to noncurrent loans | 412.8667% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 1,907 |
| Noncurrent loans to loans | 0.2598% | 2,230 |
| Net loans and leases to total assets | 71.8000% | 1,559 |
| Net loans and leases to deposits | 80.5374% | 1,932 |
| Net loans and leases to core deposits | 81.6619% | 2,360 |
| Total domestic deposits to total assets | 89.1500% | 1,196 |
| Equity capital to assets | 9.4423% | 2,196 |
| Core capital (leverage) ratio | 9.8038% | 2,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6264% | 1,399 |
| Memoranda: | ||
| Average total assets | $1,293,782,667 | 797 |
| Average earning assets | $1,224,383,000 | 772 |
| Average equity | $119,039,333 | 820 |
| Average total loans | $905,542,333 | 779 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6122% | 514 |
| Cost of funding earning assets | 0.6032% | 3,375 |
| Net interest margin | 5.0091% | 299 |
| Noninterest income to average assets | 1.0200% | 555 |
| Noninterest expense to average assets | 2.8718% | 1,291 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.8966% | 164 |
| Return on assets (ROA) | 2.8966% | 162 |
| Pretax return on assets | 2.8966% | 224 |
| Return on Equity (ROE) | 31.8900% | 201 |
| Retained earnings to average equity (ytd only) | -1.8214% | 4,199 |
| Net charge-offs to loans | 0.0116% | 1,514 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 364.2692% | 309 |
| Efficiency ratio | 49.6421% | 3,968 |
| Assets per employee ($millions) | 3.6186% | 4,381 |
| Cash dividends to net income (ytd only)* | 105.7122% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0668% | 3,222 |
| Loan loss allowance to noncurrent loans | 407.2720% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.2634% | 1,823 |
| Noncurrent loans to loans | 0.2619% | 2,209 |
| Net loans and leases to total assets | 68.2200% | 1,811 |
| Net loans and leases to deposits | 76.0812% | 2,108 |
| Net loans and leases to core deposits | 77.0042% | 2,459 |
| Total domestic deposits to total assets | 89.6600% | 1,276 |
| Equity capital to assets | 9.0402% | 2,486 |
| Core capital (leverage) ratio | 9.6823% | 3,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2880% | 1,547 |
| Memoranda: | ||
| Average total assets | $1,307,879,500 | 805 |
| Average earning assets | $1,240,145,500 | 780 |
| Average equity | $118,808,500 | 829 |
| Average total loans | $899,057,000 | 795 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0174% | 1,668 |
| Cost of funding earning assets | 0.2712% | 3,142 |
| Net interest margin | 3.7462% | 1,274 |
| Noninterest income to average assets | 1.1000% | 545 |
| Noninterest expense to average assets | 2.8239% | 1,268 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.7592% | 486 |
| Return on assets (ROA) | 1.7592% | 460 |
| Pretax return on assets | 1.7592% | 805 |
| Return on Equity (ROE) | 19.6800% | 508 |
| Retained earnings to average equity (ytd only) | 7.3132% | 2,100 |
| Net charge-offs to loans | 0.0719% | 923 |
| Credit loss provision to net charge-offs | 183.5334% | 1,173 |
| Earnings coverage of net charge-offs (x) | 41.3825% | 1,481 |
| Efficiency ratio | 60.3556% | 3,006 |
| Assets per employee ($millions) | 3.5972% | 4,416 |
| Cash dividends to net income (ytd only)* | 62.8383% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0917% | 2,938 |
| Loan loss allowance to noncurrent loans | 472.5195% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.2539% | 1,890 |
| Noncurrent loans to loans | 0.2310% | 2,348 |
| Net loans and leases to total assets | 67.7800% | 1,852 |
| Net loans and leases to deposits | 75.6231% | 2,126 |
| Net loans and leases to core deposits | 76.4056% | 2,393 |
| Total domestic deposits to total assets | 89.6300% | 1,507 |
| Equity capital to assets | 9.1285% | 2,278 |
| Core capital (leverage) ratio | 9.7715% | 2,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2422% | 1,875 |
| Memoranda: | ||
| Average total assets | $1,310,581,400 | 785 |
| Average earning assets | $1,246,319,000 | 764 |
| Average equity | $117,158,600 | 832 |
| Average total loans | $811,228,200 | 812 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6495% | 2,201 |
| Cost of funding earning assets | 0.2220% | 3,018 |
| Net interest margin | 3.4275% | 1,877 |
| Noninterest income to average assets | 1.1000% | 572 |
| Noninterest expense to average assets | 2.8159% | 1,219 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.4647% | 923 |
| Return on assets (ROA) | 1.4647% | 907 |
| Pretax return on assets | 1.4647% | 1,519 |
| Return on Equity (ROE) | 16.4700% | 898 |
| Retained earnings to average equity (ytd only) | 9.8720% | 1,388 |
| Net charge-offs to loans | 0.0778% | 760 |
| Credit loss provision to net charge-offs | 163.8528% | 1,084 |
| Earnings coverage of net charge-offs (x) | 32.8723% | 1,480 |
| Efficiency ratio | 64.4305% | 2,488 |
| Assets per employee ($millions) | 3.5657% | 4,465 |
| Cash dividends to net income (ytd only)* | 40.0624% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 3,033 |
| Loan loss allowance to noncurrent loans | 730.2147% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.1936% | 2,311 |
| Noncurrent loans to loans | 0.1501% | 2,860 |
| Net loans and leases to total assets | 65.8300% | 1,904 |
| Net loans and leases to deposits | 73.7053% | 2,081 |
| Net loans and leases to core deposits | 74.5835% | 2,307 |
| Total domestic deposits to total assets | 89.3100% | 1,954 |
| Equity capital to assets | 8.9828% | 2,226 |
| Core capital (leverage) ratio | 9.7633% | 2,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0399% | 2,043 |
| Memoranda: | ||
| Average total assets | $1,313,579,750 | 789 |
| Average earning assets | $1,249,866,250 | 765 |
| Average equity | $116,812,750 | 848 |
| Average total loans | $791,556,750 | 824 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2818% | 2,793 |
| Cost of funding earning assets | 0.1732% | 3,277 |
| Net interest margin | 3.1087% | 2,507 |
| Noninterest income to average assets | 1.0936% | 556 |
| Noninterest expense to average assets | 2.7681% | 1,232 |
| Loan and lease loss provision to assets | 0.1150% | 873 |
| Net operating income to assets | 1.1726% | 1,527 |
| Return on assets (ROA) | 1.1726% | 1,506 |
| Pretax return on assets | 1.1726% | 2,161 |
| Return on Equity (ROE) | 13.2301% | 1,313 |
| Retained earnings to average equity (ytd only) | 6.3134% | 2,232 |
| Net charge-offs to loans | 0.0846% | 646 |
| Credit loss provision to net charge-offs | 233.6420% | 900 |
| Earnings coverage of net charge-offs (x) | 26.1574% | 1,453 |
| Efficiency ratio | 68.0465% | 2,237 |
| Assets per employee ($millions) | 3.7183% | 4,485 |
| Cash dividends to net income (ytd only)* | 52.2804% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 2,689 |
| Loan loss allowance to noncurrent loans | 775.3612% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.1895% | 2,394 |
| Noncurrent loans to loans | 0.1545% | 2,919 |
| Net loans and leases to total assets | 60.3827% | 2,284 |
| Net loans and leases to deposits | 67.3602% | 2,440 |
| Net loans and leases to core deposits | 68.2089% | 2,635 |
| Total domestic deposits to total assets | 89.6415% | 1,874 |
| Equity capital to assets | 8.7917% | 2,541 |
| Core capital (leverage) ratio | 9.1342% | 3,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8231% | 2,141 |
| Memoranda: | ||
| Average total assets | $1,316,420,667 | 779 |
| Average earning assets | $1,254,367,667 | 763 |
| Average equity | $116,673,333 | 857 |
| Average total loans | $765,875,000 | 831 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1004% | 2,985 |
| Cost of funding earning assets | 0.1493% | 3,514 |
| Net interest margin | 2.9511% | 2,663 |
| Noninterest income to average assets | 1.0929% | 564 |
| Noninterest expense to average assets | 2.7673% | 1,220 |
| Loan and lease loss provision to assets | 0.2303% | 297 |
| Net operating income to assets | 0.9101% | 2,243 |
| Return on assets (ROA) | 0.9101% | 2,240 |
| Pretax return on assets | 0.9101% | 2,736 |
| Return on Equity (ROE) | 10.2269% | 1,876 |
| Retained earnings to average equity (ytd only) | -3.5115% | 4,343 |
| Net charge-offs to loans | 0.1143% | 476 |
| Credit loss provision to net charge-offs | 355.3991% | 620 |
| Earnings coverage of net charge-offs (x) | 17.5962% | 1,321 |
| Efficiency ratio | 70.5988% | 2,143 |
| Assets per employee ($millions) | 3.7154% | 4,496 |
| Cash dividends to net income (ytd only)* | 134.3363% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 2,421 |
| Loan loss allowance to noncurrent loans | 752.1940% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 2,478 |
| Noncurrent loans to loans | 0.1712% | 2,957 |
| Net loans and leases to total assets | 56.4741% | 2,485 |
| Net loans and leases to deposits | 62.7296% | 2,651 |
| Net loans and leases to core deposits | 63.5414% | 2,831 |
| Total domestic deposits to total assets | 90.0279% | 1,548 |
| Equity capital to assets | 8.6277% | 3,051 |
| Core capital (leverage) ratio | 9.0065% | 3,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2409% | 1,707 |
| Memoranda: | ||
| Average total assets | $1,314,637,000 | 791 |
| Average earning assets | $1,253,899,500 | 772 |
| Average equity | $116,985,500 | 881 |
| Average total loans | $745,460,000 | 836 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1685% | 3,539 |
| Cost of funding earning assets | 0.1521% | 3,947 |
| Net interest margin | 3.0164% | 3,152 |
| Noninterest income to average assets | 1.1538% | 793 |
| Noninterest expense to average assets | 2.9174% | 1,118 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1026% | 2,288 |
| Return on assets (ROA) | 1.1026% | 2,347 |
| Pretax return on assets | 1.1026% | 2,960 |
| Return on Equity (ROE) | 11.6636% | 1,926 |
| Retained earnings to average equity (ytd only) | 6.4745% | 2,145 |
| Net charge-offs to loans | 0.0451% | 1,382 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 42.2346% | 1,403 |
| Efficiency ratio | 72.3492% | 1,471 |
| Assets per employee ($millions) | 3.6292% | 4,558 |
| Cash dividends to net income (ytd only)* | 44.4899% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 2,563 |
| Loan loss allowance to noncurrent loans | 853.5615% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 2,683 |
| Noncurrent loans to loans | 0.1477% | 3,201 |
| Net loans and leases to total assets | 55.4811% | 2,683 |
| Net loans and leases to deposits | 62.6064% | 2,823 |
| Net loans and leases to core deposits | 63.4589% | 3,032 |
| Total domestic deposits to total assets | 88.6190% | 1,725 |
| Equity capital to assets | 9.1746% | 3,443 |
| Core capital (leverage) ratio | 9.3284% | 3,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6664% | 1,986 |
| Memoranda: | ||
| Average total assets | $1,241,029,800 | 804 |
| Average earning assets | $1,179,264,600 | 790 |
| Average equity | $117,321,800 | 888 |
| Average total loans | $719,081,600 | 861 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1927% | 3,620 |
| Cost of funding earning assets | 0.1526% | 4,085 |
| Net interest margin | 3.0401% | 3,205 |
| Noninterest income to average assets | 1.1253% | 896 |
| Noninterest expense to average assets | 3.0260% | 926 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9841% | 2,974 |
| Return on assets (ROA) | 0.9841% | 3,052 |
| Pretax return on assets | 0.9841% | 3,508 |
| Return on Equity (ROE) | 10.3290% | 2,619 |
| Retained earnings to average equity (ytd only) | 10.2502% | 1,245 |
| Net charge-offs to loans | 0.0300% | 1,452 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 56.1863% | 1,170 |
| Efficiency ratio | 75.2340% | 1,096 |
| Assets per employee ($millions) | 3.5504% | 4,627 |
| Cash dividends to net income (ytd only)* | 0.7628% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3142% | 2,419 |
| Loan loss allowance to noncurrent loans | 889.2045% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.1996% | 2,796 |
| Noncurrent loans to loans | 0.1478% | 3,379 |
| Net loans and leases to total assets | 56.2589% | 2,702 |
| Net loans and leases to deposits | 63.4548% | 2,912 |
| Net loans and leases to core deposits | 64.1384% | 3,124 |
| Total domestic deposits to total assets | 88.6599% | 1,478 |
| Equity capital to assets | 9.6684% | 3,225 |
| Core capital (leverage) ratio | 9.4826% | 3,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4525% | 1,815 |
| Memoranda: | ||
| Average total assets | $1,225,564,750 | 822 |
| Average earning assets | $1,162,941,000 | 805 |
| Average equity | $116,768,500 | 904 |
| Average total loans | $715,830,750 | 879 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2115% | 3,656 |
| Cost of funding earning assets | 0.1514% | 4,197 |
| Net interest margin | 3.0601% | 3,148 |
| Noninterest income to average assets | 1.1249% | 894 |
| Noninterest expense to average assets | 3.0533% | 905 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9728% | 2,990 |
| Return on assets (ROA) | 0.9728% | 3,071 |
| Pretax return on assets | 0.9728% | 3,493 |
| Return on Equity (ROE) | 10.2619% | 2,658 |
| Retained earnings to average equity (ytd only) | 10.1804% | 1,349 |
| Net charge-offs to loans | 0.0081% | 1,839 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 204.0000% | 492 |
| Efficiency ratio | 75.6136% | 1,120 |
| Assets per employee ($millions) | 3.4307% | 4,691 |
| Cash dividends to net income (ytd only)* | 0.7945% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3321% | 2,279 |
| Loan loss allowance to noncurrent loans | 668.2105% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 2,793 |
| Noncurrent loans to loans | 0.1994% | 3,239 |
| Net loans and leases to total assets | 56.6354% | 2,826 |
| Net loans and leases to deposits | 63.7229% | 3,030 |
| Net loans and leases to core deposits | 64.4839% | 3,246 |
| Total domestic deposits to total assets | 88.8776% | 1,342 |
| Equity capital to assets | 9.5070% | 3,323 |
| Core capital (leverage) ratio | 9.2021% | 3,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2200% | 1,897 |
| Memoranda: | ||
| Average total assets | $1,216,319,667 | 826 |
| Average earning assets | $1,153,177,333 | 804 |
| Average equity | $115,300,000 | 903 |
| Average total loans | $716,280,000 | 881 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2854% | 3,486 |
| Cost of funding earning assets | 0.1500% | 4,302 |
| Net interest margin | 3.1354% | 2,891 |
| Noninterest income to average assets | 1.2162% | 834 |
| Noninterest expense to average assets | 3.0154% | 968 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1709% | 2,261 |
| Return on assets (ROA) | 1.1709% | 2,331 |
| Pretax return on assets | 1.1709% | 2,924 |
| Return on Equity (ROE) | 12.3707% | 1,880 |
| Retained earnings to average equity (ytd only) | 12.2863% | 1,078 |
| Net charge-offs to loans | -0.0073% | 3,536 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8079% | 1,515 |
| Assets per employee ($millions) | 3.5084% | 4,688 |
| Cash dividends to net income (ytd only)* | 0.6822% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 2,287 |
| Loan loss allowance to noncurrent loans | 400.9644% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.3784% | 2,285 |
| Noncurrent loans to loans | 0.3322% | 2,903 |
| Net loans and leases to total assets | 57.0347% | 2,902 |
| Net loans and leases to deposits | 64.0143% | 3,124 |
| Net loans and leases to core deposits | 64.7017% | 3,348 |
| Total domestic deposits to total assets | 89.0969% | 1,288 |
| Equity capital to assets | 9.3016% | 3,386 |
| Core capital (leverage) ratio | 9.5614% | 2,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0297% | 1,890 |
| Memoranda: | ||
| Average total assets | $1,201,814,000 | 822 |
| Average earning assets | $1,138,495,000 | 803 |
| Average equity | $113,753,000 | 902 |
| Average total loans | $717,010,000 | 880 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0344% | 2,624 |
| Cost of funding earning assets | 0.2421% | 4,414 |
| Net interest margin | 3.7923% | 1,520 |
| Noninterest income to average assets | 1.3253% | 658 |
| Noninterest expense to average assets | 3.4329% | 755 |
| Loan and lease loss provision to assets | 0.4229% | 701 |
| Net operating income to assets | 1.0368% | 2,151 |
| Return on assets (ROA) | 1.0368% | 2,298 |
| Pretax return on assets | 1.0368% | 2,925 |
| Return on Equity (ROE) | 10.5251% | 1,799 |
| Retained earnings to average equity (ytd only) | 10.4179% | 510 |
| Net charge-offs to loans | 0.1503% | 1,080 |
| Credit loss provision to net charge-offs | 406.3406% | 1,416 |
| Earnings coverage of net charge-offs (x) | 14.0254% | 2,243 |
| Efficiency ratio | 69.9513% | 1,952 |
| Assets per employee ($millions) | 3.2722% | 4,727 |
| Cash dividends to net income (ytd only)* | 1.0184% | 3,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 2,259 |
| Loan loss allowance to noncurrent loans | 640.1475% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.3286% | 2,680 |
| Noncurrent loans to loans | 0.2084% | 3,454 |
| Net loans and leases to total assets | 60.8227% | 2,755 |
| Net loans and leases to deposits | 68.3648% | 3,046 |
| Net loans and leases to core deposits | 69.1970% | 3,316 |
| Total domestic deposits to total assets | 88.9680% | 1,000 |
| Equity capital to assets | 9.6400% | 3,465 |
| Core capital (leverage) ratio | 9.7132% | 2,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6199% | 2,002 |
| Memoranda: | ||
| Average total assets | $1,060,759,600 | 833 |
| Average earning assets | $997,842,800 | 815 |
| Average equity | $104,493,200 | 929 |
| Average total loans | $734,382,200 | 847 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2933% | 2,119 |
| Cost of funding earning assets | 0.2709% | 4,428 |
| Net interest margin | 4.0223% | 1,060 |
| Noninterest income to average assets | 1.3112% | 630 |
| Noninterest expense to average assets | 3.6354% | 589 |
| Loan and lease loss provision to assets | 0.2645% | 1,538 |
| Net operating income to assets | 1.1884% | 1,676 |
| Return on assets (ROA) | 1.1884% | 1,799 |
| Pretax return on assets | 1.1884% | 2,429 |
| Return on Equity (ROE) | 11.9920% | 1,368 |
| Retained earnings to average equity (ytd only) | 11.8790% | 443 |
| Net charge-offs to loans | 0.1729% | 856 |
| Credit loss provision to net charge-offs | 214.4050% | 2,054 |
| Earnings coverage of net charge-offs (x) | 11.7787% | 2,283 |
| Efficiency ratio | 71.2366% | 1,722 |
| Assets per employee ($millions) | 3.1618% | 4,794 |
| Cash dividends to net income (ytd only)* | 0.9426% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 3,716 |
| Loan loss allowance to noncurrent loans | 323.8520% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.4203% | 2,485 |
| Noncurrent loans to loans | 0.3080% | 3,178 |
| Net loans and leases to total assets | 65.3457% | 2,603 |
| Net loans and leases to deposits | 74.0945% | 2,945 |
| Net loans and leases to core deposits | 75.3863% | 3,219 |
| Total domestic deposits to total assets | 88.1924% | 1,122 |
| Equity capital to assets | 9.9583% | 3,262 |
| Core capital (leverage) ratio | 9.8165% | 2,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2415% | 2,083 |
| Memoranda: | ||
| Average total assets | $1,035,538,750 | 840 |
| Average earning assets | $972,383,250 | 823 |
| Average equity | $102,621,000 | 935 |
| Average total loans | $738,954,250 | 836 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5610% | 1,754 |
| Cost of funding earning assets | 0.3158% | 4,415 |
| Net interest margin | 4.2452% | 835 |
| Noninterest income to average assets | 1.2684% | 633 |
| Noninterest expense to average assets | 3.9066% | 456 |
| Loan and lease loss provision to assets | 0.3898% | 1,050 |
| Net operating income to assets | 0.9480% | 2,496 |
| Return on assets (ROA) | 0.9480% | 2,632 |
| Pretax return on assets | 0.9480% | 3,185 |
| Return on Equity (ROE) | 9.5829% | 2,116 |
| Retained earnings to average equity (ytd only) | 9.4652% | 887 |
| Net charge-offs to loans | 0.1662% | 896 |
| Credit loss provision to net charge-offs | 319.9352% | 1,569 |
| Earnings coverage of net charge-offs (x) | 10.9806% | 2,121 |
| Efficiency ratio | 74.2846% | 1,438 |
| Assets per employee ($millions) | 3.0516% | 4,841 |
| Cash dividends to net income (ytd only)* | 1.2289% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 3,552 |
| Loan loss allowance to noncurrent loans | 586.5939% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.3365% | 2,957 |
| Noncurrent loans to loans | 0.1712% | 3,766 |
| Net loans and leases to total assets | 67.3264% | 2,449 |
| Net loans and leases to deposits | 75.8811% | 2,885 |
| Net loans and leases to core deposits | 77.3247% | 3,168 |
| Total domestic deposits to total assets | 88.7261% | 854 |
| Equity capital to assets | 9.5184% | 3,647 |
| Core capital (leverage) ratio | 9.6819% | 3,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0653% | 2,583 |
| Memoranda: | ||
| Average total assets | $1,012,896,000 | 835 |
| Average earning assets | $948,657,000 | 832 |
| Average equity | $100,199,000 | 944 |
| Average total loans | $742,495,000 | 818 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8034% | 1,407 |
| Cost of funding earning assets | 0.4413% | 4,192 |
| Net interest margin | 4.3621% | 677 |
| Noninterest income to average assets | 1.3571% | 485 |
| Noninterest expense to average assets | 3.7401% | 675 |
| Loan and lease loss provision to assets | 0.0719% | 2,834 |
| Net operating income to assets | 1.6198% | 601 |
| Return on assets (ROA) | 1.6198% | 663 |
| Pretax return on assets | 1.6198% | 1,009 |
| Return on Equity (ROE) | 16.0296% | 416 |
| Retained earnings to average equity (ytd only) | 15.9070% | 149 |
| Net charge-offs to loans | 0.0557% | 1,450 |
| Credit loss provision to net charge-offs | 168.9320% | 1,518 |
| Earnings coverage of net charge-offs (x) | 39.7670% | 1,035 |
| Efficiency ratio | 68.6436% | 2,564 |
| Assets per employee ($millions) | 2.6084% | 4,928 |
| Cash dividends to net income (ytd only)* | 0.7649% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8496% | 4,276 |
| Loan loss allowance to noncurrent loans | 347.6323% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.4332% | 2,730 |
| Noncurrent loans to loans | 0.2444% | 3,606 |
| Net loans and leases to total assets | 74.0534% | 1,593 |
| Net loans and leases to deposits | 83.7766% | 2,260 |
| Net loans and leases to core deposits | 85.6492% | 2,711 |
| Total domestic deposits to total assets | 88.3939% | 932 |
| Equity capital to assets | 10.0617% | 3,720 |
| Core capital (leverage) ratio | 10.2340% | 3,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7854% | 2,809 |
| Memoranda: | ||
| Average total assets | $968,521,500 | 846 |
| Average earning assets | $904,698,500 | 838 |
| Average equity | $97,869,000 | 958 |
| Average total loans | $739,130,500 | 802 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2363% | 919 |
| Cost of funding earning assets | 0.6284% | 3,515 |
| Net interest margin | 4.6079% | 561 |
| Noninterest income to average assets | 1.3491% | 524 |
| Noninterest expense to average assets | 3.7770% | 693 |
| Loan and lease loss provision to assets | 0.0625% | 2,785 |
| Net operating income to assets | 1.8043% | 517 |
| Return on assets (ROA) | 1.8044% | 545 |
| Pretax return on assets | 1.8044% | 924 |
| Return on Equity (ROE) | 18.1751% | 328 |
| Retained earnings to average equity (ytd only) | 5.5849% | 2,112 |
| Net charge-offs to loans | 0.0930% | 1,801 |
| Credit loss provision to net charge-offs | 86.8613% | 2,699 |
| Earnings coverage of net charge-offs (x) | 25.9372% | 1,711 |
| Efficiency ratio | 66.6884% | 2,663 |
| Assets per employee ($millions) | 2.5845% | 4,975 |
| Cash dividends to net income (ytd only)* | 69.2715% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8294% | 4,222 |
| Loan loss allowance to noncurrent loans | 465.2338% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.4648% | 2,547 |
| Noncurrent loans to loans | 0.1783% | 3,819 |
| Net loans and leases to total assets | 77.3466% | 1,190 |
| Net loans and leases to deposits | 87.6722% | 1,885 |
| Net loans and leases to core deposits | 90.0615% | 2,420 |
| Total domestic deposits to total assets | 88.2225% | 1,022 |
| Equity capital to assets | 10.1497% | 3,789 |
| Core capital (leverage) ratio | 9.9980% | 3,520 |
| Tier 1 risk-based capital ratio | 11.2428% | 4,758 |
| Total risk-based capital ratio | 11.9716% | 4,868 |
| Memoranda: | ||
| Average total assets | $951,739,000 | 823 |
| Average earning assets | $887,046,800 | 815 |
| Average equity | $94,486,400 | 937 |
| Average total loans | $736,942,600 | 772 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2755% | 910 |
| Cost of funding earning assets | 0.6660% | 3,367 |
| Net interest margin | 4.6096% | 607 |
| Noninterest income to average assets | 1.3390% | 522 |
| Noninterest expense to average assets | 3.7786% | 679 |
| Loan and lease loss provision to assets | 0.0464% | 2,974 |
| Net operating income to assets | 1.8079% | 605 |
| Return on assets (ROA) | 1.8081% | 640 |
| Pretax return on assets | 1.8081% | 1,074 |
| Return on Equity (ROE) | 18.3150% | 366 |
| Retained earnings to average equity (ytd only) | 10.9805% | 532 |
| Net charge-offs to loans | 0.0865% | 1,616 |
| Credit loss provision to net charge-offs | 69.3920% | 2,627 |
| Earnings coverage of net charge-offs (x) | 27.7360% | 1,704 |
| Efficiency ratio | 66.8367% | 2,611 |
| Assets per employee ($millions) | 2.5379% | 5,066 |
| Cash dividends to net income (ytd only)* | 40.0465% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8156% | 4,367 |
| Loan loss allowance to noncurrent loans | 445.5539% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.4446% | 2,746 |
| Noncurrent loans to loans | 0.1830% | 3,879 |
| Net loans and leases to total assets | 77.6999% | 1,185 |
| Net loans and leases to deposits | 88.6287% | 1,852 |
| Net loans and leases to core deposits | 90.9791% | 2,466 |
| Total domestic deposits to total assets | 87.6690% | 1,180 |
| Equity capital to assets | 10.3550% | 3,673 |
| Core capital (leverage) ratio | 10.2042% | 3,421 |
| Tier 1 risk-based capital ratio | 11.2572% | 4,787 |
| Total risk-based capital ratio | 11.9623% | 4,929 |
| Memoranda: | ||
| Average total assets | $951,257,250 | 822 |
| Average earning assets | $886,128,750 | 815 |
| Average equity | $93,909,500 | 946 |
| Average total loans | $735,229,000 | 775 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2386% | 914 |
| Cost of funding earning assets | 0.6947% | 3,195 |
| Net interest margin | 4.5438% | 698 |
| Noninterest income to average assets | 1.3172% | 506 |
| Noninterest expense to average assets | 3.7897% | 670 |
| Loan and lease loss provision to assets | 0.0697% | 2,424 |
| Net operating income to assets | 1.6865% | 743 |
| Return on assets (ROA) | 1.6867% | 773 |
| Pretax return on assets | 1.6867% | 1,299 |
| Return on Equity (ROE) | 17.3690% | 427 |
| Retained earnings to average equity (ytd only) | 8.6238% | 1,157 |
| Net charge-offs to loans | 0.0783% | 1,580 |
| Credit loss provision to net charge-offs | 115.7343% | 1,797 |
| Earnings coverage of net charge-offs (x) | 29.1469% | 1,498 |
| Efficiency ratio | 68.0672% | 2,524 |
| Assets per employee ($millions) | 2.4600% | 5,137 |
| Cash dividends to net income (ytd only)* | 50.3497% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8482% | 4,272 |
| Loan loss allowance to noncurrent loans | 317.9022% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.8089% | 1,738 |
| Noncurrent loans to loans | 0.2668% | 3,575 |
| Net loans and leases to total assets | 76.0282% | 1,545 |
| Net loans and leases to deposits | 86.0216% | 2,252 |
| Net loans and leases to core deposits | 88.7456% | 2,727 |
| Total domestic deposits to total assets | 88.3827% | 930 |
| Equity capital to assets | 9.7991% | 4,140 |
| Core capital (leverage) ratio | 9.6152% | 4,020 |
| Tier 1 risk-based capital ratio | 10.8370% | 4,979 |
| Total risk-based capital ratio | 11.5653% | 5,086 |
| Memoranda: | ||
| Average total assets | $949,313,330 | 818 |
| Average earning assets | $883,487,670 | 813 |
| Average equity | $92,187,000 | 957 |
| Average total loans | $730,455,330 | 776 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2141% | 883 |
| Cost of funding earning assets | 0.6967% | 3,074 |
| Net interest margin | 4.5174% | 715 |
| Noninterest income to average assets | 1.3482% | 475 |
| Noninterest expense to average assets | 3.7775% | 671 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7812% | 604 |
| Return on assets (ROA) | 1.7812% | 622 |
| Pretax return on assets | 1.7812% | 1,015 |
| Return on Equity (ROE) | 18.4288% | 366 |
| Retained earnings to average equity (ytd only) | 0.8239% | 4,360 |
| Net charge-offs to loans | 0.0729% | 1,333 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 31.6894% | 1,300 |
| Efficiency ratio | 67.6268% | 2,693 |
| Assets per employee ($millions) | 2.5598% | 5,167 |
| Cash dividends to net income (ytd only)* | 95.5295% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8447% | 4,366 |
| Loan loss allowance to noncurrent loans | 272.3111% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.5550% | 2,426 |
| Noncurrent loans to loans | 0.3102% | 3,456 |
| Net loans and leases to total assets | 73.3591% | 1,920 |
| Net loans and leases to deposits | 82.4476% | 2,567 |
| Net loans and leases to core deposits | 85.6130% | 2,899 |
| Total domestic deposits to total assets | 88.9767% | 866 |
| Equity capital to assets | 9.2878% | 4,445 |
| Core capital (leverage) ratio | 9.4045% | 4,248 |
| Tier 1 risk-based capital ratio | 10.6206% | 5,147 |
| Total risk-based capital ratio | 11.3437% | 5,217 |
| Memoranda: | ||
| Average total assets | $939,353,500 | 828 |
| Average earning assets | $875,543,000 | 825 |
| Average equity | $90,792,500 | 958 |
| Average total loans | $724,086,000 | 785 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1033% | 844 |
| Cost of funding earning assets | 0.4629% | 3,593 |
| Net interest margin | 4.6404% | 556 |
| Noninterest income to average assets | 1.4338% | 439 |
| Noninterest expense to average assets | 3.8444% | 646 |
| Loan and lease loss provision to assets | 0.1336% | 1,626 |
| Net operating income to assets | 1.7841% | 570 |
| Return on assets (ROA) | 1.7841% | 569 |
| Pretax return on assets | 1.7841% | 962 |
| Return on Equity (ROE) | 17.9972% | 387 |
| Retained earnings to average equity (ytd only) | 5.2310% | 2,646 |
| Net charge-offs to loans | 0.2628% | 734 |
| Credit loss provision to net charge-offs | 62.3554% | 3,075 |
| Earnings coverage of net charge-offs (x) | 8.9479% | 2,848 |
| Efficiency ratio | 66.3134% | 2,824 |
| Assets per employee ($millions) | 2.3454% | 5,252 |
| Cash dividends to net income (ytd only)* | 70.9341% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8659% | 4,310 |
| Loan loss allowance to noncurrent loans | 474.1667% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.5222% | 2,501 |
| Noncurrent loans to loans | 0.1826% | 3,930 |
| Net loans and leases to total assets | 79.7693% | 973 |
| Net loans and leases to deposits | 90.6361% | 1,716 |
| Net loans and leases to core deposits | 95.7260% | 2,082 |
| Total domestic deposits to total assets | 88.0105% | 1,291 |
| Equity capital to assets | 10.0775% | 3,601 |
| Core capital (leverage) ratio | 9.9434% | 3,656 |
| Tier 1 risk-based capital ratio | 10.6393% | 5,130 |
| Total risk-based capital ratio | 11.3812% | 5,213 |
| Memoranda: | ||
| Average total assets | $887,443,600 | 861 |
| Average earning assets | $827,774,400 | 846 |
| Average equity | $87,974,800 | 955 |
| Average total loans | $723,633,200 | 758 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0204% | 908 |
| Cost of funding earning assets | 0.4275% | 3,680 |
| Net interest margin | 4.5929% | 608 |
| Noninterest income to average assets | 1.4089% | 482 |
| Noninterest expense to average assets | 3.8587% | 621 |
| Loan and lease loss provision to assets | 0.0943% | 2,091 |
| Net operating income to assets | 1.7445% | 673 |
| Return on assets (ROA) | 1.7445% | 679 |
| Pretax return on assets | 1.7445% | 1,162 |
| Return on Equity (ROE) | 17.6721% | 466 |
| Retained earnings to average equity (ytd only) | 3.7860% | 3,885 |
| Net charge-offs to loans | 0.1665% | 995 |
| Credit loss provision to net charge-offs | 69.2478% | 2,642 |
| Earnings coverage of net charge-offs (x) | 13.4978% | 2,353 |
| Efficiency ratio | 67.3103% | 2,656 |
| Assets per employee ($millions) | 2.3869% | 5,312 |
| Cash dividends to net income (ytd only)* | 78.5764% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9185% | 4,192 |
| Loan loss allowance to noncurrent loans | 396.9769% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 2,689 |
| Noncurrent loans to loans | 0.2314% | 3,878 |
| Net loans and leases to total assets | 80.0702% | 1,009 |
| Net loans and leases to deposits | 90.8236% | 1,793 |
| Net loans and leases to core deposits | 96.6331% | 2,056 |
| Total domestic deposits to total assets | 88.1601% | 1,172 |
| Equity capital to assets | 9.7910% | 3,826 |
| Core capital (leverage) ratio | 9.7407% | 3,909 |
| Tier 1 risk-based capital ratio | 10.4054% | 5,271 |
| Total risk-based capital ratio | 11.2010% | 5,345 |
| Memoranda: | ||
| Average total assets | $884,728,500 | 860 |
| Average earning assets | $826,124,750 | 851 |
| Average equity | $87,336,750 | 957 |
| Average total loans | $723,834,000 | 755 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9519% | 914 |
| Cost of funding earning assets | 0.3887% | 3,821 |
| Net interest margin | 4.5633% | 600 |
| Noninterest income to average assets | 1.4102% | 474 |
| Noninterest expense to average assets | 3.8294% | 650 |
| Loan and lease loss provision to assets | 0.0569% | 2,771 |
| Net operating income to assets | 1.7854% | 599 |
| Return on assets (ROA) | 1.7854% | 602 |
| Pretax return on assets | 1.7854% | 999 |
| Return on Equity (ROE) | 18.0363% | 415 |
| Retained earnings to average equity (ytd only) | 5.7263% | 2,710 |
| Net charge-offs to loans | 0.1559% | 990 |
| Credit loss provision to net charge-offs | 44.4050% | 2,532 |
| Earnings coverage of net charge-offs (x) | 14.3801% | 2,104 |
| Efficiency ratio | 67.0960% | 2,798 |
| Assets per employee ($millions) | 2.2948% | 5,391 |
| Cash dividends to net income (ytd only)* | 68.2513% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 4,248 |
| Loan loss allowance to noncurrent loans | 288.4416% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.6194% | 2,365 |
| Noncurrent loans to loans | 0.3191% | 3,565 |
| Net loans and leases to total assets | 81.3976% | 793 |
| Net loans and leases to deposits | 92.9190% | 1,485 |
| Net loans and leases to core deposits | 98.9873% | 1,817 |
| Total domestic deposits to total assets | 87.6006% | 1,588 |
| Equity capital to assets | 10.0340% | 3,590 |
| Core capital (leverage) ratio | 9.9256% | 3,662 |
| Tier 1 risk-based capital ratio | 10.4607% | 5,287 |
| Total risk-based capital ratio | 11.2569% | 5,371 |
| Memoranda: | ||
| Average total assets | $878,885,330 | 871 |
| Average earning assets | $820,773,330 | 859 |
| Average equity | $87,002,330 | 962 |
| Average total loans | $722,066,330 | 760 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8583% | 960 |
| Cost of funding earning assets | 0.3693% | 3,838 |
| Net interest margin | 4.4890% | 635 |
| Noninterest income to average assets | 1.3626% | 502 |
| Noninterest expense to average assets | 3.8166% | 657 |
| Loan and lease loss provision to assets | 0.1139% | 1,658 |
| Net operating income to assets | 1.6306% | 798 |
| Return on assets (ROA) | 1.6306% | 801 |
| Pretax return on assets | 1.6306% | 1,298 |
| Return on Equity (ROE) | 16.5851% | 547 |
| Retained earnings to average equity (ytd only) | 2.4845% | 4,174 |
| Net charge-offs to loans | 0.0754% | 1,370 |
| Credit loss provision to net charge-offs | 183.8235% | 1,101 |
| Earnings coverage of net charge-offs (x) | 28.1471% | 1,279 |
| Efficiency ratio | 68.1963% | 2,798 |
| Assets per employee ($millions) | 2.3132% | 5,447 |
| Cash dividends to net income (ytd only)* | 85.0196% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9731% | 4,103 |
| Loan loss allowance to noncurrent loans | 290.4138% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.6536% | 2,361 |
| Noncurrent loans to loans | 0.3351% | 3,567 |
| Net loans and leases to total assets | 81.6414% | 703 |
| Net loans and leases to deposits | 92.9586% | 1,337 |
| Net loans and leases to core deposits | 98.9302% | 1,772 |
| Total domestic deposits to total assets | 87.8256% | 1,713 |
| Equity capital to assets | 9.7790% | 3,810 |
| Core capital (leverage) ratio | 9.7607% | 3,794 |
| Tier 1 risk-based capital ratio | 10.2718% | 5,422 |
| Total risk-based capital ratio | 11.1231% | 5,477 |
| Memoranda: | ||
| Average total assets | $877,735,000 | 877 |
| Average earning assets | $820,947,000 | 864 |
| Average equity | $86,294,500 | 972 |
| Average total loans | $721,136,000 | 764 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6287% | 1,356 |
| Cost of funding earning assets | 0.3032% | 4,112 |
| Net interest margin | 4.3255% | 915 |
| Noninterest income to average assets | 1.4436% | 510 |
| Noninterest expense to average assets | 3.8176% | 680 |
| Loan and lease loss provision to assets | 0.1205% | 1,899 |
| Net operating income to assets | 1.5417% | 737 |
| Return on assets (ROA) | 1.5420% | 750 |
| Pretax return on assets | 1.5420% | 1,480 |
| Return on Equity (ROE) | 15.6538% | 523 |
| Retained earnings to average equity (ytd only) | 2.4984% | 3,831 |
| Net charge-offs to loans | 0.2059% | 1,255 |
| Credit loss provision to net charge-offs | 73.7960% | 3,034 |
| Earnings coverage of net charge-offs (x) | 10.1785% | 2,709 |
| Efficiency ratio | 69.1663% | 2,668 |
| Assets per employee ($millions) | 2.3004% | 5,513 |
| Cash dividends to net income (ytd only)* | 84.0396% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9772% | 4,068 |
| Loan loss allowance to noncurrent loans | 242.7776% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.7086% | 2,203 |
| Noncurrent loans to loans | 0.4025% | 3,321 |
| Net loans and leases to total assets | 81.0699% | 823 |
| Net loans and leases to deposits | 92.4689% | 1,458 |
| Net loans and leases to core deposits | 98.8597% | 1,796 |
| Total domestic deposits to total assets | 87.6726% | 1,668 |
| Equity capital to assets | 9.8847% | 3,837 |
| Core capital (leverage) ratio | 9.9492% | 3,519 |
| Tier 1 risk-based capital ratio | 10.3183% | 5,442 |
| Total risk-based capital ratio | 11.1629% | 5,509 |
| Memoranda: | ||
| Average total assets | $864,629,400 | 862 |
| Average earning assets | $806,800,800 | 853 |
| Average equity | $85,174,200 | 959 |
| Average total loans | $685,760,400 | 763 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5830% | 1,414 |
| Cost of funding earning assets | 0.2972% | 4,163 |
| Net interest margin | 4.2858% | 957 |
| Noninterest income to average assets | 1.4249% | 530 |
| Noninterest expense to average assets | 3.8066% | 665 |
| Loan and lease loss provision to assets | 0.1610% | 1,272 |
| Net operating income to assets | 1.4598% | 976 |
| Return on assets (ROA) | 1.4603% | 992 |
| Pretax return on assets | 1.4603% | 1,913 |
| Return on Equity (ROE) | 14.8366% | 674 |
| Retained earnings to average equity (ytd only) | 4.0616% | 3,502 |
| Net charge-offs to loans | 0.1892% | 1,111 |
| Credit loss provision to net charge-offs | 108.2035% | 2,164 |
| Earnings coverage of net charge-offs (x) | 10.8920% | 2,544 |
| Efficiency ratio | 69.6296% | 2,599 |
| Assets per employee ($millions) | 2.2566% | 5,588 |
| Cash dividends to net income (ytd only)* | 72.6243% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0878% | 3,562 |
| Loan loss allowance to noncurrent loans | 322.6423% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.6794% | 2,458 |
| Noncurrent loans to loans | 0.3371% | 3,743 |
| Net loans and leases to total assets | 78.1097% | 1,252 |
| Net loans and leases to deposits | 89.9271% | 1,817 |
| Net loans and leases to core deposits | 96.3023% | 2,035 |
| Total domestic deposits to total assets | 86.8589% | 1,926 |
| Equity capital to assets | 10.0502% | 3,854 |
| Core capital (leverage) ratio | 10.0094% | 3,549 |
| Tier 1 risk-based capital ratio | 10.8289% | 5,329 |
| Total risk-based capital ratio | 11.7677% | 5,374 |
| Memoranda: | ||
| Average total assets | $862,825,750 | 870 |
| Average earning assets | $805,799,000 | 856 |
| Average equity | $84,923,000 | 962 |
| Average total loans | $678,756,000 | 771 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5264% | 1,449 |
| Cost of funding earning assets | 0.2844% | 4,240 |
| Net interest margin | 4.2421% | 989 |
| Noninterest income to average assets | 1.4090% | 545 |
| Noninterest expense to average assets | 3.7725% | 693 |
| Loan and lease loss provision to assets | 0.0673% | 2,620 |
| Net operating income to assets | 1.5305% | 810 |
| Return on assets (ROA) | 1.5305% | 832 |
| Pretax return on assets | 1.5305% | 1,542 |
| Return on Equity (ROE) | 15.6603% | 573 |
| Retained earnings to average equity (ytd only) | 5.7833% | 2,240 |
| Net charge-offs to loans | 0.2834% | 717 |
| Credit loss provision to net charge-offs | 30.2083% | 2,722 |
| Earnings coverage of net charge-offs (x) | 7.1760% | 2,630 |
| Efficiency ratio | 69.7344% | 2,716 |
| Assets per employee ($millions) | 2.2376% | 5,632 |
| Cash dividends to net income (ytd only)* | 63.0702% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 4,252 |
| Loan loss allowance to noncurrent loans | 432.3187% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.6281% | 2,679 |
| Noncurrent loans to loans | 0.2274% | 4,217 |
| Net loans and leases to total assets | 78.4305% | 1,172 |
| Net loans and leases to deposits | 89.9912% | 1,729 |
| Net loans and leases to core deposits | 95.6295% | 2,012 |
| Total domestic deposits to total assets | 87.1535% | 1,879 |
| Equity capital to assets | 10.0414% | 3,865 |
| Core capital (leverage) ratio | 9.8142% | 3,760 |
| Tier 1 risk-based capital ratio | 10.8492% | 5,326 |
| Total risk-based capital ratio | 11.6968% | 5,408 |
| Memoranda: | ||
| Average total assets | $862,343,000 | 877 |
| Average earning assets | $805,267,330 | 865 |
| Average equity | $84,277,000 | 971 |
| Average total loans | $677,506,000 | 778 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4640% | 1,460 |
| Cost of funding earning assets | 0.2686% | 4,371 |
| Net interest margin | 4.1954% | 1,002 |
| Noninterest income to average assets | 1.4072% | 538 |
| Noninterest expense to average assets | 3.7530% | 722 |
| Loan and lease loss provision to assets | 0.1341% | 1,425 |
| Net operating income to assets | 1.4354% | 927 |
| Return on assets (ROA) | 1.4354% | 951 |
| Pretax return on assets | 1.4354% | 1,748 |
| Return on Equity (ROE) | 14.8895% | 661 |
| Retained earnings to average equity (ytd only) | 0.7483% | 4,732 |
| Net charge-offs to loans | 0.1519% | 1,048 |
| Credit loss provision to net charge-offs | 112.8405% | 1,461 |
| Earnings coverage of net charge-offs (x) | 13.2062% | 1,799 |
| Efficiency ratio | 66.5421% | 3,403 |
| Assets per employee ($millions) | 2.3149% | 5,682 |
| Cash dividends to net income (ytd only)* | 94.9742% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 3,795 |
| Loan loss allowance to noncurrent loans | 291.8513% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 2,633 |
| Noncurrent loans to loans | 0.3716% | 3,763 |
| Net loans and leases to total assets | 77.3131% | 1,229 |
| Net loans and leases to deposits | 88.1667% | 1,773 |
| Net loans and leases to core deposits | 93.7502% | 2,005 |
| Total domestic deposits to total assets | 87.6897% | 1,894 |
| Equity capital to assets | 9.5920% | 4,190 |
| Core capital (leverage) ratio | 9.6454% | 3,935 |
| Tier 1 risk-based capital ratio | 10.5991% | 5,500 |
| Total risk-based capital ratio | 11.5401% | 5,565 |
| Memoranda: | ||
| Average total assets | $865,009,000 | 878 |
| Average earning assets | $807,264,500 | 864 |
| Average equity | $83,387,500 | 977 |
| Average total loans | $676,842,500 | 775 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4205% | 1,769 |
| Cost of funding earning assets | 0.2483% | 4,582 |
| Net interest margin | 4.1722% | 1,180 |
| Noninterest income to average assets | 1.3700% | 611 |
| Noninterest expense to average assets | 3.6473% | 950 |
| Loan and lease loss provision to assets | 0.1465% | 1,698 |
| Net operating income to assets | 1.4727% | 881 |
| Return on assets (ROA) | 1.4727% | 905 |
| Pretax return on assets | 1.4727% | 1,673 |
| Return on Equity (ROE) | 14.8465% | 647 |
| Retained earnings to average equity (ytd only) | 5.0290% | 2,326 |
| Net charge-offs to loans | 0.0928% | 2,381 |
| Credit loss provision to net charge-offs | 203.4768% | 1,390 |
| Earnings coverage of net charge-offs (x) | 22.4851% | 1,731 |
| Efficiency ratio | 68.7184% | 3,125 |
| Assets per employee ($millions) | 2.2924% | 5,740 |
| Cash dividends to net income (ytd only)* | 66.1269% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0908% | 3,762 |
| Loan loss allowance to noncurrent loans | 263.5450% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.7239% | 2,556 |
| Noncurrent loans to loans | 0.4139% | 3,664 |
| Net loans and leases to total assets | 77.4796% | 1,285 |
| Net loans and leases to deposits | 89.6635% | 1,725 |
| Net loans and leases to core deposits | 93.9971% | 2,110 |
| Total domestic deposits to total assets | 86.4115% | 2,409 |
| Equity capital to assets | 9.6888% | 4,086 |
| Core capital (leverage) ratio | 9.8379% | 3,702 |
| Tier 1 risk-based capital ratio | 10.6246% | 5,513 |
| Total risk-based capital ratio | 11.5624% | 5,591 |
| Memoranda: | ||
| Average total assets | $838,758,400 | 864 |
| Average earning assets | $783,324,600 | 858 |
| Average equity | $83,197,800 | 960 |
| Average total loans | $650,661,600 | 765 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4093% | 1,835 |
| Cost of funding earning assets | 0.2479% | 4,621 |
| Net interest margin | 4.1614% | 1,224 |
| Noninterest income to average assets | 1.3895% | 615 |
| Noninterest expense to average assets | 3.6492% | 922 |
| Loan and lease loss provision to assets | 0.1726% | 1,307 |
| Net operating income to assets | 1.4554% | 967 |
| Return on assets (ROA) | 1.4554% | 1,010 |
| Pretax return on assets | 1.4554% | 1,865 |
| Return on Equity (ROE) | 14.5857% | 725 |
| Retained earnings to average equity (ytd only) | 8.8790% | 855 |
| Net charge-offs to loans | 0.1050% | 1,895 |
| Credit loss provision to net charge-offs | 212.4016% | 1,380 |
| Earnings coverage of net charge-offs (x) | 20.0353% | 1,897 |
| Efficiency ratio | 68.6106% | 3,121 |
| Assets per employee ($millions) | 2.2697% | 5,811 |
| Cash dividends to net income (ytd only)* | 39.1252% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 3,798 |
| Loan loss allowance to noncurrent loans | 337.8591% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.7735% | 2,616 |
| Noncurrent loans to loans | 0.3274% | 4,082 |
| Net loans and leases to total assets | 77.6179% | 1,260 |
| Net loans and leases to deposits | 90.6058% | 1,679 |
| Net loans and leases to core deposits | 95.2236% | 2,074 |
| Total domestic deposits to total assets | 85.6654% | 2,529 |
| Equity capital to assets | 10.2552% | 3,852 |
| Core capital (leverage) ratio | 9.9957% | 3,574 |
| Tier 1 risk-based capital ratio | 10.9930% | 5,374 |
| Total risk-based capital ratio | 11.9411% | 5,441 |
| Memoranda: | ||
| Average total assets | $833,539,500 | 868 |
| Average earning assets | $778,728,500 | 862 |
| Average equity | $83,175,250 | 965 |
| Average total loans | $644,980,500 | 771 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3940% | 1,846 |
| Cost of funding earning assets | 0.2496% | 4,664 |
| Net interest margin | 4.1444% | 1,251 |
| Noninterest income to average assets | 1.4223% | 569 |
| Noninterest expense to average assets | 3.5557% | 1,076 |
| Loan and lease loss provision to assets | 0.1311% | 1,738 |
| Net operating income to assets | 1.6102% | 705 |
| Return on assets (ROA) | 1.6102% | 753 |
| Pretax return on assets | 1.6102% | 1,345 |
| Return on Equity (ROE) | 16.2884% | 500 |
| Retained earnings to average equity (ytd only) | 7.7549% | 1,266 |
| Net charge-offs to loans | 0.1431% | 1,469 |
| Credit loss provision to net charge-offs | 118.9956% | 1,881 |
| Earnings coverage of net charge-offs (x) | 15.8057% | 1,969 |
| Efficiency ratio | 66.5864% | 3,590 |
| Assets per employee ($millions) | 2.2830% | 5,867 |
| Cash dividends to net income (ytd only)* | 52.3902% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 4,099 |
| Loan loss allowance to noncurrent loans | 194.7082% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.8134% | 2,554 |
| Noncurrent loans to loans | 0.5504% | 3,416 |
| Net loans and leases to total assets | 75.4144% | 1,576 |
| Net loans and leases to deposits | 87.7822% | 2,022 |
| Net loans and leases to core deposits | 92.3499% | 2,319 |
| Total domestic deposits to total assets | 85.9108% | 2,466 |
| Equity capital to assets | 10.0727% | 4,133 |
| Core capital (leverage) ratio | 9.7412% | 3,883 |
| Tier 1 risk-based capital ratio | 11.1301% | 5,346 |
| Total risk-based capital ratio | 12.0524% | 5,449 |
| Memoranda: | ||
| Average total assets | $831,462,000 | 871 |
| Average earning assets | $777,329,000 | 860 |
| Average equity | $82,193,670 | 971 |
| Average total loans | $640,272,670 | 777 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3900% | 1,830 |
| Cost of funding earning assets | 0.2496% | 4,712 |
| Net interest margin | 4.1403% | 1,233 |
| Noninterest income to average assets | 1.4660% | 523 |
| Noninterest expense to average assets | 3.5013% | 1,177 |
| Loan and lease loss provision to assets | 0.1565% | 1,336 |
| Net operating income to assets | 1.6823% | 600 |
| Return on assets (ROA) | 1.6823% | 637 |
| Pretax return on assets | 1.6823% | 1,111 |
| Return on Equity (ROE) | 17.1808% | 416 |
| Retained earnings to average equity (ytd only) | 16.9152% | 158 |
| Net charge-offs to loans | 0.0006% | 3,085 |
| Credit loss provision to net charge-offs | 32,500.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 3,818.0000% | 7 |
| Efficiency ratio | 65.0253% | 3,967 |
| Assets per employee ($millions) | 2.3486% | 5,913 |
| Cash dividends to net income (ytd only)* | 1.5459% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 4,128 |
| Loan loss allowance to noncurrent loans | 250.7654% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.7383% | 2,864 |
| Noncurrent loans to loans | 0.4334% | 3,887 |
| Net loans and leases to total assets | 76.4633% | 1,321 |
| Net loans and leases to deposits | 88.9986% | 1,702 |
| Net loans and leases to core deposits | 93.8304% | 2,006 |
| Total domestic deposits to total assets | 85.9152% | 2,705 |
| Equity capital to assets | 9.9217% | 4,187 |
| Core capital (leverage) ratio | 9.8864% | 3,679 |
| Tier 1 risk-based capital ratio | 10.9718% | 5,520 |
| Total risk-based capital ratio | 11.9102% | 5,594 |
| Memoranda: | ||
| Average total assets | $830,550,000 | 876 |
| Average earning assets | $777,136,500 | 860 |
| Average equity | $81,323,500 | 981 |
| Average total loans | $642,796,500 | 770 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3588% | 2,028 |
| Cost of funding earning assets | 0.2351% | 4,949 |
| Net interest margin | 4.1236% | 1,352 |
| Noninterest income to average assets | 1.6237% | 490 |
| Noninterest expense to average assets | 3.6429% | 1,052 |
| Loan and lease loss provision to assets | 0.1613% | 1,430 |
| Net operating income to assets | 1.6802% | 599 |
| Return on assets (ROA) | 1.6802% | 616 |
| Pretax return on assets | 1.6802% | 1,044 |
| Return on Equity (ROE) | 16.9650% | 456 |
| Retained earnings to average equity (ytd only) | 2.8439% | 4,048 |
| Net charge-offs to loans | 0.1515% | 1,855 |
| Credit loss provision to net charge-offs | 140.8297% | 1,870 |
| Earnings coverage of net charge-offs (x) | 16.0742% | 2,160 |
| Efficiency ratio | 65.8814% | 3,921 |
| Assets per employee ($millions) | 2.3371% | 5,957 |
| Cash dividends to net income (ytd only)* | 83.2366% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 4,288 |
| Loan loss allowance to noncurrent loans | 189.2958% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.7858% | 2,713 |
| Noncurrent loans to loans | 0.5569% | 3,500 |
| Net loans and leases to total assets | 76.6696% | 1,306 |
| Net loans and leases to deposits | 89.4599% | 1,688 |
| Net loans and leases to core deposits | 94.5584% | 1,998 |
| Total domestic deposits to total assets | 85.7028% | 2,774 |
| Equity capital to assets | 9.6588% | 4,358 |
| Core capital (leverage) ratio | 9.6768% | 3,936 |
| Tier 1 risk-based capital ratio | 10.6354% | 5,707 |
| Total risk-based capital ratio | 11.5372% | 5,793 |
| Memoranda: | ||
| Average total assets | $799,526,800 | 868 |
| Average earning assets | $748,562,000 | 854 |
| Average equity | $79,186,600 | 962 |
| Average total loans | $604,611,000 | 769 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3332% | 2,128 |
| Cost of funding earning assets | 0.2383% | 5,011 |
| Net interest margin | 4.0949% | 1,416 |
| Noninterest income to average assets | 1.6734% | 464 |
| Noninterest expense to average assets | 3.6819% | 1,003 |
| Loan and lease loss provision to assets | 0.1125% | 2,005 |
| Net operating income to assets | 1.7120% | 607 |
| Return on assets (ROA) | 1.7120% | 635 |
| Pretax return on assets | 1.7120% | 1,074 |
| Return on Equity (ROE) | 17.1754% | 457 |
| Retained earnings to average equity (ytd only) | 3.4782% | 3,994 |
| Net charge-offs to loans | 0.0400% | 3,086 |
| Credit loss provision to net charge-offs | 374.3017% | 800 |
| Earnings coverage of net charge-offs (x) | 60.6817% | 918 |
| Efficiency ratio | 66.3220% | 3,832 |
| Assets per employee ($millions) | 2.3903% | 6,010 |
| Cash dividends to net income (ytd only)* | 79.7488% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 4,235 |
| Loan loss allowance to noncurrent loans | 433.5447% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.6503% | 3,305 |
| Noncurrent loans to loans | 0.2534% | 4,667 |
| Net loans and leases to total assets | 76.6402% | 1,299 |
| Net loans and leases to deposits | 88.5604% | 1,830 |
| Net loans and leases to core deposits | 93.6520% | 2,108 |
| Total domestic deposits to total assets | 86.5401% | 2,258 |
| Equity capital to assets | 9.8770% | 4,308 |
| Core capital (leverage) ratio | 9.8852% | 3,787 |
| Tier 1 risk-based capital ratio | 10.8160% | 5,749 |
| Total risk-based capital ratio | 11.7516% | 5,811 |
| Memoranda: | ||
| Average total assets | $793,747,250 | 881 |
| Average earning assets | $742,995,000 | 864 |
| Average equity | $79,118,750 | 968 |
| Average total loans | $596,404,000 | 789 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2744% | 2,264 |
| Cost of funding earning assets | 0.2390% | 5,066 |
| Net interest margin | 4.0353% | 1,536 |
| Noninterest income to average assets | 1.7596% | 443 |
| Noninterest expense to average assets | 3.6194% | 1,088 |
| Loan and lease loss provision to assets | 0.0809% | 2,491 |
| Net operating income to assets | 1.8348% | 477 |
| Return on assets (ROA) | 1.8348% | 502 |
| Pretax return on assets | 1.8348% | 839 |
| Return on Equity (ROE) | 18.3504% | 391 |
| Retained earnings to average equity (ytd only) | 7.9292% | 1,296 |
| Net charge-offs to loans | 0.0514% | 2,686 |
| Credit loss provision to net charge-offs | 211.9205% | 1,175 |
| Earnings coverage of net charge-offs (x) | 50.1523% | 955 |
| Efficiency ratio | 64.8462% | 4,219 |
| Assets per employee ($millions) | 2.8244% | 5,796 |
| Cash dividends to net income (ytd only)* | 56.7903% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 4,454 |
| Loan loss allowance to noncurrent loans | 502.7006% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.6287% | 3,535 |
| Noncurrent loans to loans | 0.2143% | 4,916 |
| Net loans and leases to total assets | 75.6457% | 1,416 |
| Net loans and leases to deposits | 87.8266% | 1,861 |
| Net loans and leases to core deposits | 92.9904% | 2,069 |
| Total domestic deposits to total assets | 86.1307% | 2,620 |
| Equity capital to assets | 10.1486% | 3,869 |
| Core capital (leverage) ratio | 10.0931% | 3,473 |
| Tier 1 risk-based capital ratio | 11.9276% | 5,196 |
| Total risk-based capital ratio | 12.8979% | 5,290 |
| Memoranda: | ||
| Average total assets | $790,619,000 | 890 |
| Average earning assets | $739,714,330 | 872 |
| Average equity | $79,050,000 | 972 |
| Average total loans | $587,752,330 | 800 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2296% | 2,350 |
| Cost of funding earning assets | 0.2404% | 5,125 |
| Net interest margin | 3.9892% | 1,595 |
| Noninterest income to average assets | 1.4638% | 556 |
| Noninterest expense to average assets | 3.5233% | 1,264 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6688% | 634 |
| Return on assets (ROA) | 1.6688% | 665 |
| Pretax return on assets | 1.6688% | 1,117 |
| Return on Equity (ROE) | 16.8166% | 486 |
| Retained earnings to average equity (ytd only) | 8.8621% | 1,247 |
| Net charge-offs to loans | -0.0746% | 5,719 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2839% | 3,940 |
| Assets per employee ($millions) | 2.3710% | 6,170 |
| Cash dividends to net income (ytd only)* | 47.3014% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1101% | 4,460 |
| Loan loss allowance to noncurrent loans | 244.4697% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.7304% | 3,303 |
| Noncurrent loans to loans | 0.4541% | 4,223 |
| Net loans and leases to total assets | 71.9538% | 1,809 |
| Net loans and leases to deposits | 82.8821% | 2,224 |
| Net loans and leases to core deposits | 87.5404% | 2,371 |
| Total domestic deposits to total assets | 86.8147% | 2,476 |
| Equity capital to assets | 9.9531% | 4,201 |
| Core capital (leverage) ratio | 9.9140% | 3,724 |
| Tier 1 risk-based capital ratio | 11.8672% | 5,328 |
| Total risk-based capital ratio | 11.8672% | 5,901 |
| Memoranda: | ||
| Average total assets | $790,518,500 | 893 |
| Average earning assets | $738,801,000 | 865 |
| Average equity | $78,446,500 | 977 |
| Average total loans | $579,260,500 | 806 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4168% | 2,173 |
| Cost of funding earning assets | 0.2527% | 5,295 |
| Net interest margin | 4.1641% | 1,399 |
| Noninterest income to average assets | 1.6061% | 488 |
| Noninterest expense to average assets | 3.6941% | 1,167 |
| Loan and lease loss provision to assets | 0.0757% | 2,959 |
| Net operating income to assets | 1.7285% | 544 |
| Return on assets (ROA) | 1.7285% | 558 |
| Pretax return on assets | 1.7285% | 926 |
| Return on Equity (ROE) | 18.1795% | 380 |
| Retained earnings to average equity (ytd only) | 8.2845% | 918 |
| Net charge-offs to loans | 0.1667% | 2,363 |
| Credit loss provision to net charge-offs | 62.3266% | 3,246 |
| Earnings coverage of net charge-offs (x) | 14.8506% | 2,123 |
| Efficiency ratio | 66.6486% | 4,125 |
| Assets per employee ($millions) | 2.2733% | 6,283 |
| Cash dividends to net income (ytd only)* | 54.4295% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0996% | 4,542 |
| Loan loss allowance to noncurrent loans | 294.0686% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.6864% | 3,516 |
| Noncurrent loans to loans | 0.3739% | 4,523 |
| Net loans and leases to total assets | 72.9902% | 1,758 |
| Net loans and leases to deposits | 84.7817% | 2,123 |
| Net loans and leases to core deposits | 89.6525% | 2,318 |
| Total domestic deposits to total assets | 86.0919% | 2,786 |
| Equity capital to assets | 9.8931% | 4,241 |
| Core capital (leverage) ratio | 9.7783% | 3,865 |
| Tier 1 risk-based capital ratio | 12.7319% | 4,903 |
| Total risk-based capital ratio | 13.8035% | 4,926 |
| Memoranda: | ||
| Average total assets | $771,251,600 | 879 |
| Average earning assets | $720,901,400 | 850 |
| Average equity | $73,329,800 | 995 |
| Average total loans | $561,966,800 | 793 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4171% | 2,170 |
| Cost of funding earning assets | 0.2561% | 5,341 |
| Net interest margin | 4.1610% | 1,394 |
| Noninterest income to average assets | 1.5693% | 515 |
| Noninterest expense to average assets | 3.7742% | 1,007 |
| Loan and lease loss provision to assets | 0.0260% | 3,887 |
| Net operating income to assets | 1.6586% | 667 |
| Return on assets (ROA) | 1.6586% | 694 |
| Pretax return on assets | 1.6586% | 1,167 |
| Return on Equity (ROE) | 17.6265% | 479 |
| Retained earnings to average equity (ytd only) | 6.2037% | 2,270 |
| Net charge-offs to loans | 0.1858% | 1,977 |
| Credit loss provision to net charge-offs | 19.2802% | 3,583 |
| Earnings coverage of net charge-offs (x) | 12.4820% | 2,313 |
| Efficiency ratio | 68.6020% | 3,747 |
| Assets per employee ($millions) | 2.3806% | 6,309 |
| Cash dividends to net income (ytd only)* | 64.8050% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 4,950 |
| Loan loss allowance to noncurrent loans | 414.4027% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.4896% | 4,419 |
| Noncurrent loans to loans | 0.2553% | 5,139 |
| Net loans and leases to total assets | 73.8395% | 1,550 |
| Net loans and leases to deposits | 86.9868% | 1,792 |
| Net loans and leases to core deposits | 91.8976% | 2,047 |
| Total domestic deposits to total assets | 84.8859% | 3,382 |
| Equity capital to assets | 9.7956% | 4,429 |
| Core capital (leverage) ratio | 9.4299% | 4,465 |
| Tier 1 risk-based capital ratio | 12.4447% | 5,199 |
| Total risk-based capital ratio | 13.4851% | 5,259 |
| Memoranda: | ||
| Average total assets | $768,563,000 | 886 |
| Average earning assets | $718,433,500 | 857 |
| Average equity | $72,321,000 | 1,010 |
| Average total loans | $558,175,000 | 793 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3802% | 2,259 |
| Cost of funding earning assets | 0.2572% | 5,409 |
| Net interest margin | 4.1231% | 1,442 |
| Noninterest income to average assets | 1.5246% | 529 |
| Noninterest expense to average assets | 3.8756% | 877 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5007% | 867 |
| Return on assets (ROA) | 1.5007% | 901 |
| Pretax return on assets | 1.5007% | 1,533 |
| Return on Equity (ROE) | 16.1691% | 641 |
| Retained earnings to average equity (ytd only) | 1.7807% | 5,005 |
| Net charge-offs to loans | 0.1964% | 1,846 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 10.6188% | 2,233 |
| Efficiency ratio | 71.5593% | 3,420 |
| Assets per employee ($millions) | 2.5138% | 6,282 |
| Cash dividends to net income (ytd only)* | 88.9872% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0921% | 4,946 |
| Loan loss allowance to noncurrent loans | 255.3297% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.5976% | 4,187 |
| Noncurrent loans to loans | 0.4277% | 4,710 |
| Net loans and leases to total assets | 71.3143% | 1,860 |
| Net loans and leases to deposits | 81.6661% | 2,290 |
| Net loans and leases to core deposits | 85.6327% | 2,554 |
| Total domestic deposits to total assets | 87.3242% | 2,289 |
| Equity capital to assets | 9.2628% | 5,019 |
| Core capital (leverage) ratio | 8.9007% | 5,159 |
| Tier 1 risk-based capital ratio | 12.2020% | 5,417 |
| Total risk-based capital ratio | 13.1226% | 5,535 |
| Memoranda: | ||
| Average total assets | $768,444,000 | 882 |
| Average earning assets | $717,865,670 | 855 |
| Average equity | $71,321,330 | 1,021 |
| Average total loans | $552,954,000 | 791 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3890% | 2,178 |
| Cost of funding earning assets | 0.2670% | 5,416 |
| Net interest margin | 4.1219% | 1,409 |
| Noninterest income to average assets | 1.4913% | 524 |
| Noninterest expense to average assets | 3.6042% | 1,299 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7454% | 528 |
| Return on assets (ROA) | 1.7454% | 544 |
| Pretax return on assets | 1.7454% | 887 |
| Return on Equity (ROE) | 18.7866% | 380 |
| Retained earnings to average equity (ytd only) | -9.8454% | 6,354 |
| Net charge-offs to loans | 0.1782% | 1,650 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 13.6230% | 1,661 |
| Efficiency ratio | 66.8826% | 4,380 |
| Assets per employee ($millions) | 2.4203% | 6,410 |
| Cash dividends to net income (ytd only)* | 152.4067% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 4,729 |
| Loan loss allowance to noncurrent loans | 221.2132% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.6796% | 4,073 |
| Noncurrent loans to loans | 0.5340% | 4,576 |
| Net loans and leases to total assets | 68.4406% | 2,154 |
| Net loans and leases to deposits | 77.8506% | 2,577 |
| Net loans and leases to core deposits | 81.5551% | 2,785 |
| Total domestic deposits to total assets | 87.9128% | 2,281 |
| Equity capital to assets | 8.8523% | 5,274 |
| Core capital (leverage) ratio | 8.8148% | 5,250 |
| Tier 1 risk-based capital ratio | 12.1778% | 5,522 |
| Total risk-based capital ratio | 13.3440% | 5,512 |
| Memoranda: | ||
| Average total assets | $761,770,500 | 895 |
| Average earning assets | $713,061,000 | 869 |
| Average equity | $70,774,000 | 1,025 |
| Average total loans | $547,588,500 | 800 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5180% | 2,137 |
| Cost of funding earning assets | 0.3355% | 5,280 |
| Net interest margin | 4.1825% | 1,411 |
| Noninterest income to average assets | 1.6145% | 551 |
| Noninterest expense to average assets | 3.5490% | 1,549 |
| Loan and lease loss provision to assets | 0.2127% | 1,728 |
| Net operating income to assets | 1.7761% | 505 |
| Return on assets (ROA) | 1.7761% | 521 |
| Pretax return on assets | 1.7761% | 799 |
| Return on Equity (ROE) | 19.0880% | 330 |
| Retained earnings to average equity (ytd only) | 17.1942% | 120 |
| Net charge-offs to loans | 0.2546% | 2,445 |
| Credit loss provision to net charge-offs | 114.4444% | 2,110 |
| Earnings coverage of net charge-offs (x) | 10.7007% | 2,327 |
| Efficiency ratio | 63.7713% | 4,940 |
| Assets per employee ($millions) | 2.1992% | 6,565 |
| Cash dividends to net income (ytd only)* | 9.9217% | 4,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 4,539 |
| Loan loss allowance to noncurrent loans | 257.8522% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.6864% | 4,189 |
| Noncurrent loans to loans | 0.4735% | 4,810 |
| Net loans and leases to total assets | 73.7913% | 1,379 |
| Net loans and leases to deposits | 85.0397% | 1,804 |
| Net loans and leases to core deposits | 90.2290% | 1,997 |
| Total domestic deposits to total assets | 86.7728% | 2,846 |
| Equity capital to assets | 9.7617% | 4,083 |
| Core capital (leverage) ratio | 9.7188% | 3,963 |
| Tier 1 risk-based capital ratio | 12.7240% | 5,157 |
| Total risk-based capital ratio | 13.9280% | 5,138 |
| Memoranda: | ||
| Average total assets | $726,377,200 | 914 |
| Average earning assets | $681,368,800 | 890 |
| Average equity | $67,586,800 | 1,057 |
| Average total loans | $530,274,200 | 804 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5166% | 2,168 |
| Cost of funding earning assets | 0.3445% | 5,345 |
| Net interest margin | 4.1721% | 1,416 |
| Noninterest income to average assets | 1.6246% | 553 |
| Noninterest expense to average assets | 3.5364% | 1,531 |
| Loan and lease loss provision to assets | 0.1233% | 2,753 |
| Net operating income to assets | 1.8792% | 455 |
| Return on assets (ROA) | 1.8792% | 461 |
| Pretax return on assets | 1.8792% | 743 |
| Return on Equity (ROE) | 20.4508% | 274 |
| Retained earnings to average equity (ytd only) | 18.0189% | 106 |
| Net charge-offs to loans | 0.2511% | 2,309 |
| Credit loss provision to net charge-offs | 67.6768% | 3,110 |
| Earnings coverage of net charge-offs (x) | 10.9889% | 2,294 |
| Efficiency ratio | 63.5306% | 4,884 |
| Assets per employee ($millions) | 2.1793% | 6,648 |
| Cash dividends to net income (ytd only)* | 11.8915% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 5,152 |
| Loan loss allowance to noncurrent loans | 489.2405% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.5032% | 4,939 |
| Noncurrent loans to loans | 0.2335% | 5,649 |
| Net loans and leases to total assets | 73.3132% | 1,394 |
| Net loans and leases to deposits | 84.6522% | 1,783 |
| Net loans and leases to core deposits | 89.6113% | 2,011 |
| Total domestic deposits to total assets | 86.6052% | 2,909 |
| Equity capital to assets | 9.5208% | 4,526 |
| Core capital (leverage) ratio | 9.2955% | 4,699 |
| Tier 1 risk-based capital ratio | 12.4419% | 5,487 |
| Total risk-based capital ratio | 13.5717% | 5,498 |
| Memoranda: | ||
| Average total assets | $724,340,750 | 923 |
| Average earning assets | $679,583,250 | 893 |
| Average equity | $66,558,000 | 1,092 |
| Average total loans | $525,664,500 | 807 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5160% | 2,136 |
| Cost of funding earning assets | 0.3580% | 5,332 |
| Net interest margin | 4.1580% | 1,388 |
| Noninterest income to average assets | 1.6204% | 611 |
| Noninterest expense to average assets | 3.4946% | 1,617 |
| Loan and lease loss provision to assets | 0.1523% | 2,420 |
| Net operating income to assets | 1.8734% | 450 |
| Return on assets (ROA) | 1.8734% | 480 |
| Pretax return on assets | 1.8734% | 783 |
| Return on Equity (ROE) | 20.6392% | 268 |
| Retained earnings to average equity (ytd only) | 20.2030% | 83 |
| Net charge-offs to loans | 0.1045% | 3,312 |
| Credit loss provision to net charge-offs | 202.2059% | 1,179 |
| Earnings coverage of net charge-offs (x) | 26.9007% | 1,231 |
| Efficiency ratio | 62.9890% | 5,020 |
| Assets per employee ($millions) | 2.1503% | 6,695 |
| Cash dividends to net income (ytd only)* | 2.1132% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 4,545 |
| Loan loss allowance to noncurrent loans | 524.5166% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.5283% | 4,942 |
| Noncurrent loans to loans | 0.2465% | 5,689 |
| Net loans and leases to total assets | 71.4479% | 1,657 |
| Net loans and leases to deposits | 82.2735% | 2,027 |
| Net loans and leases to core deposits | 86.8358% | 2,247 |
| Total domestic deposits to total assets | 86.8419% | 2,918 |
| Equity capital to assets | 9.4151% | 4,697 |
| Core capital (leverage) ratio | 9.0166% | 4,953 |
| Tier 1 risk-based capital ratio | 12.3749% | 5,588 |
| Total risk-based capital ratio | 13.6252% | 5,532 |
| Memoranda: | ||
| Average total assets | $722,428,670 | 923 |
| Average earning assets | $677,592,670 | 893 |
| Average equity | $65,574,330 | 1,103 |
| Average total loans | $520,410,330 | 810 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4753% | 2,255 |
| Cost of funding earning assets | 0.3911% | 5,193 |
| Net interest margin | 4.0842% | 1,505 |
| Noninterest income to average assets | 1.5083% | 681 |
| Noninterest expense to average assets | 3.5274% | 1,563 |
| Loan and lease loss provision to assets | 0.2773% | 1,267 |
| Net operating income to assets | 1.5372% | 790 |
| Return on assets (ROA) | 1.5372% | 866 |
| Pretax return on assets | 1.5372% | 1,464 |
| Return on Equity (ROE) | 17.2579% | 493 |
| Retained earnings to average equity (ytd only) | 16.8096% | 240 |
| Net charge-offs to loans | 0.2130% | 2,145 |
| Credit loss provision to net charge-offs | 181.1594% | 1,179 |
| Earnings coverage of net charge-offs (x) | 11.8551% | 1,643 |
| Efficiency ratio | 65.7012% | 4,709 |
| Assets per employee ($millions) | 2.1264% | 6,807 |
| Cash dividends to net income (ytd only)* | 2.5974% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 4,742 |
| Loan loss allowance to noncurrent loans | 473.8028% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.5517% | 5,014 |
| Noncurrent loans to loans | 0.2728% | 5,723 |
| Net loans and leases to total assets | 69.6316% | 1,730 |
| Net loans and leases to deposits | 79.6730% | 2,122 |
| Net loans and leases to core deposits | 83.5318% | 2,384 |
| Total domestic deposits to total assets | 87.3967% | 2,693 |
| Equity capital to assets | 8.8706% | 5,642 |
| Core capital (leverage) ratio | 8.4887% | 5,614 |
| Tier 1 risk-based capital ratio | 11.7623% | 6,054 |
| Total risk-based capital ratio | 13.0124% | 6,032 |
| Memoranda: | ||
| Average total assets | $721,325,000 | 936 |
| Average earning assets | $677,050,500 | 900 |
| Average equity | $64,249,000 | 1,149 |
| Average total loans | $518,356,000 | 814 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8109% | 2,149 |
| Cost of funding earning assets | 0.4432% | 5,637 |
| Net interest margin | 4.3676% | 1,234 |
| Noninterest income to average assets | 1.7005% | 563 |
| Noninterest expense to average assets | 3.5258% | 1,767 |
| Loan and lease loss provision to assets | 0.1453% | 3,790 |
| Net operating income to assets | 2.1020% | 300 |
| Return on assets (ROA) | 2.1020% | 331 |
| Pretax return on assets | 2.1020% | 490 |
| Return on Equity (ROE) | 23.3944% | 165 |
| Retained earnings to average equity (ytd only) | 9.4814% | 700 |
| Net charge-offs to loans | 0.2250% | 3,592 |
| Credit loss provision to net charge-offs | 87.3702% | 3,579 |
| Earnings coverage of net charge-offs (x) | 13.5138% | 1,819 |
| Efficiency ratio | 60.7560% | 5,418 |
| Assets per employee ($millions) | 2.0914% | 6,880 |
| Cash dividends to net income (ytd only)* | 59.4717% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 4,820 |
| Loan loss allowance to noncurrent loans | 504.9689% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.5627% | 5,078 |
| Noncurrent loans to loans | 0.2495% | 5,855 |
| Net loans and leases to total assets | 72.3189% | 1,439 |
| Net loans and leases to deposits | 82.9916% | 1,882 |
| Net loans and leases to core deposits | 87.4011% | 2,153 |
| Total domestic deposits to total assets | 87.1399% | 2,751 |
| Equity capital to assets | 8.9452% | 5,583 |
| Core capital (leverage) ratio | 8.3696% | 5,799 |
| Tier 1 risk-based capital ratio | 11.2544% | 6,243 |
| Total risk-based capital ratio | 12.4947% | 6,214 |
| Memoranda: | ||
| Average total assets | $695,133,400 | 946 |
| Average earning assets | $648,174,800 | 928 |
| Average equity | $62,459,400 | 1,139 |
| Average total loans | $513,801,800 | 804 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8174% | 2,325 |
| Cost of funding earning assets | 0.4500% | 5,798 |
| Net interest margin | 4.3675% | 1,299 |
| Noninterest income to average assets | 1.6522% | 555 |
| Noninterest expense to average assets | 3.4951% | 1,771 |
| Loan and lease loss provision to assets | 0.0982% | 4,344 |
| Net operating income to assets | 2.1297% | 317 |
| Return on assets (ROA) | 2.1297% | 352 |
| Pretax return on assets | 2.1297% | 538 |
| Return on Equity (ROE) | 23.6757% | 175 |
| Retained earnings to average equity (ytd only) | 21.0396% | 72 |
| Net charge-offs to loans | 0.0595% | 4,831 |
| Credit loss provision to net charge-offs | 222.7074% | 1,247 |
| Earnings coverage of net charge-offs (x) | 50.5451% | 750 |
| Efficiency ratio | 60.7520% | 5,363 |
| Assets per employee ($millions) | 2.1255% | 6,952 |
| Cash dividends to net income (ytd only)* | 11.1342% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3261% | 4,694 |
| Loan loss allowance to noncurrent loans | 774.4134% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.5450% | 5,312 |
| Noncurrent loans to loans | 0.1712% | 6,182 |
| Net loans and leases to total assets | 73.7527% | 1,284 |
| Net loans and leases to deposits | 85.5243% | 1,659 |
| Net loans and leases to core deposits | 90.3334% | 1,946 |
| Total domestic deposits to total assets | 86.2359% | 3,128 |
| Equity capital to assets | 9.6086% | 5,047 |
| Core capital (leverage) ratio | 9.1092% | 4,903 |
| Tier 1 risk-based capital ratio | 11.8789% | 6,010 |
| Total risk-based capital ratio | 13.1242% | 5,994 |
| Memoranda: | ||
| Average total assets | $692,716,500 | 956 |
| Average earning assets | $645,667,000 | 937 |
| Average equity | $62,312,750 | 1,150 |
| Average total loans | $513,200,250 | 816 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7954% | 2,530 |
| Cost of funding earning assets | 0.4584% | 5,915 |
| Net interest margin | 4.3370% | 1,374 |
| Noninterest income to average assets | 1.6361% | 551 |
| Noninterest expense to average assets | 3.4968% | 1,793 |
| Loan and lease loss provision to assets | 0.0608% | 4,890 |
| Net operating income to assets | 2.1236% | 325 |
| Return on assets (ROA) | 2.1236% | 364 |
| Pretax return on assets | 2.1236% | 556 |
| Return on Equity (ROE) | 24.1636% | 176 |
| Retained earnings to average equity (ytd only) | 23.6495% | 65 |
| Net charge-offs to loans | 0.0396% | 4,824 |
| Credit loss provision to net charge-offs | 207.9208% | 1,360 |
| Earnings coverage of net charge-offs (x) | 74.6733% | 542 |
| Efficiency ratio | 61.2287% | 5,380 |
| Assets per employee ($millions) | 2.1328% | 7,003 |
| Cash dividends to net income (ytd only)* | 2.1277% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 4,892 |
| Loan loss allowance to noncurrent loans | 634.6479% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.5513% | 5,386 |
| Noncurrent loans to loans | 0.2048% | 6,173 |
| Net loans and leases to total assets | 74.5155% | 1,171 |
| Net loans and leases to deposits | 85.8541% | 1,620 |
| Net loans and leases to core deposits | 90.9193% | 1,881 |
| Total domestic deposits to total assets | 86.7931% | 2,895 |
| Equity capital to assets | 9.3183% | 5,295 |
| Core capital (leverage) ratio | 8.7212% | 5,343 |
| Tier 1 risk-based capital ratio | 11.3974% | 6,281 |
| Total risk-based capital ratio | 12.6478% | 6,254 |
| Memoranda: | ||
| Average total assets | $690,525,000 | 956 |
| Average earning assets | $644,035,330 | 940 |
| Average equity | $60,686,330 | 1,177 |
| Average total loans | $510,041,330 | 817 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7813% | 2,708 |
| Cost of funding earning assets | 0.4676% | 6,034 |
| Net interest margin | 4.3137% | 1,424 |
| Noninterest income to average assets | 1.6241% | 555 |
| Noninterest expense to average assets | 3.4918% | 1,779 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.1518% | 316 |
| Return on assets (ROA) | 2.1518% | 369 |
| Pretax return on assets | 2.1518% | 581 |
| Return on Equity (ROE) | 25.2422% | 179 |
| Retained earnings to average equity (ytd only) | 24.7060% | 98 |
| Net charge-offs to loans | 0.0285% | 4,291 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 103.3056% | 338 |
| Efficiency ratio | 61.5440% | 5,363 |
| Assets per employee ($millions) | 2.1053% | 7,086 |
| Cash dividends to net income (ytd only)* | 2.1242% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2969% | 5,038 |
| Loan loss allowance to noncurrent loans | 768.1765% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.6079% | 5,372 |
| Noncurrent loans to loans | 0.1688% | 6,340 |
| Net loans and leases to total assets | 72.0166% | 1,396 |
| Net loans and leases to deposits | 82.3452% | 1,884 |
| Net loans and leases to core deposits | 86.3970% | 2,245 |
| Total domestic deposits to total assets | 87.4570% | 2,685 |
| Equity capital to assets | 8.6812% | 5,899 |
| Core capital (leverage) ratio | 8.2065% | 6,015 |
| Tier 1 risk-based capital ratio | 10.8325% | 6,607 |
| Total risk-based capital ratio | 12.0827% | 6,596 |
| Memoranda: | ||
| Average total assets | $691,341,500 | 956 |
| Average earning assets | $644,174,500 | 936 |
| Average equity | $58,933,000 | 1,205 |
| Average total loans | $505,017,000 | 823 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6036% | 4,667 |
| Cost of funding earning assets | 0.6051% | 6,067 |
| Net interest margin | 3.9985% | 2,885 |
| Noninterest income to average assets | 1.6063% | 523 |
| Noninterest expense to average assets | 3.4216% | 2,188 |
| Loan and lease loss provision to assets | 0.1157% | 5,152 |
| Net operating income to assets | 1.8038% | 455 |
| Return on assets (ROA) | 1.8128% | 481 |
| Pretax return on assets | 1.8128% | 785 |
| Return on Equity (ROE) | 23.9634% | 136 |
| Retained earnings to average equity (ytd only) | 16.5491% | 89 |
| Net charge-offs to loans | 0.0454% | 5,851 |
| Credit loss provision to net charge-offs | 373.8318% | 626 |
| Earnings coverage of net charge-offs (x) | 62.0327% | 470 |
| Efficiency ratio | 63.7176% | 5,174 |
| Assets per employee ($millions) | 1.9818% | 7,169 |
| Cash dividends to net income (ytd only)* | 30.9404% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 4,757 |
| Loan loss allowance to noncurrent loans | 1,088.3797% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.6405% | 5,372 |
| Noncurrent loans to loans | 0.1222% | 6,502 |
| Net loans and leases to total assets | 72.1641% | 1,621 |
| Net loans and leases to deposits | 83.2182% | 2,037 |
| Net loans and leases to core deposits | 87.1458% | 2,483 |
| Total domestic deposits to total assets | 86.7167% | 2,909 |
| Equity capital to assets | 8.3642% | 6,290 |
| Core capital (leverage) ratio | 7.7530% | 6,491 |
| Tier 1 risk-based capital ratio | 10.2469% | 6,784 |
| Total risk-based capital ratio | 11.4973% | 6,766 |
| Memoranda: | ||
| Average total assets | $691,578,800 | 943 |
| Average earning assets | $645,970,600 | 918 |
| Average equity | $52,317,200 | 1,300 |
| Average total loans | $471,332,200 | 886 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5292% | 5,169 |
| Cost of funding earning assets | 0.6314% | 6,125 |
| Net interest margin | 3.8978% | 3,390 |
| Noninterest income to average assets | 1.5578% | 544 |
| Noninterest expense to average assets | 3.4004% | 2,186 |
| Loan and lease loss provision to assets | 0.1346% | 4,752 |
| Net operating income to assets | 1.6664% | 684 |
| Return on assets (ROA) | 1.6783% | 731 |
| Pretax return on assets | 1.6783% | 1,186 |
| Return on Equity (ROE) | 22.7784% | 194 |
| Retained earnings to average equity (ytd only) | 18.9950% | 91 |
| Net charge-offs to loans | 0.0098% | 6,021 |
| Credit loss provision to net charge-offs | 2,058.8235% | 130 |
| Earnings coverage of net charge-offs (x) | 275.5427% | 139 |
| Efficiency ratio | 65.0244% | 4,893 |
| Assets per employee ($millions) | 2.0174% | 7,234 |
| Cash dividends to net income (ytd only)* | 16.6094% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4055% | 4,535 |
| Loan loss allowance to noncurrent loans | 904.5699% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.6962% | 5,405 |
| Noncurrent loans to loans | 0.1554% | 6,561 |
| Net loans and leases to total assets | 70.2727% | 2,032 |
| Net loans and leases to deposits | 79.4612% | 2,728 |
| Net loans and leases to core deposits | 81.3414% | 3,432 |
| Total domestic deposits to total assets | 88.4365% | 1,792 |
| Equity capital to assets | 8.3365% | 6,453 |
| Core capital (leverage) ratio | 7.4618% | 6,784 |
| Tier 1 risk-based capital ratio | 10.3834% | 6,825 |
| Total risk-based capital ratio | 11.6287% | 6,815 |
| Memoranda: | ||
| Average total assets | $693,545,000 | 947 |
| Average earning assets | $648,311,250 | 924 |
| Average equity | $51,099,750 | 1,340 |
| Average total loans | $464,153,750 | 915 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4318% | 5,587 |
| Cost of funding earning assets | 0.6661% | 6,140 |
| Net interest margin | 3.7656% | 3,959 |
| Noninterest income to average assets | 1.4957% | 578 |
| Noninterest expense to average assets | 3.3553% | 2,386 |
| Loan and lease loss provision to assets | 0.1142% | 4,865 |
| Net operating income to assets | 1.5514% | 804 |
| Return on assets (ROA) | 1.5677% | 829 |
| Pretax return on assets | 1.5677% | 1,336 |
| Return on Equity (ROE) | 22.2098% | 229 |
| Retained earnings to average equity (ytd only) | 16.6786% | 172 |
| Net charge-offs to loans | 0.0483% | 5,172 |
| Credit loss provision to net charge-offs | 360.3604% | 848 |
| Earnings coverage of net charge-offs (x) | 52.5766% | 604 |
| Efficiency ratio | 66.4696% | 4,783 |
| Assets per employee ($millions) | 2.0852% | 7,241 |
| Cash dividends to net income (ytd only)* | 24.9044% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3581% | 4,787 |
| Loan loss allowance to noncurrent loans | 483.8538% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.7014% | 5,504 |
| Noncurrent loans to loans | 0.2807% | 6,363 |
| Net loans and leases to total assets | 65.6670% | 3,105 |
| Net loans and leases to deposits | 73.2469% | 3,907 |
| Net loans and leases to core deposits | 75.0067% | 4,437 |
| Total domestic deposits to total assets | 89.6516% | 1,152 |
| Equity capital to assets | 7.3895% | 6,999 |
| Core capital (leverage) ratio | 6.6338% | 7,092 |
| Tier 1 risk-based capital ratio | 9.9313% | 6,997 |
| Total risk-based capital ratio | 11.1820% | 6,998 |
| Memoranda: | ||
| Average total assets | $700,792,330 | 947 |
| Average earning assets | $656,035,670 | 922 |
| Average equity | $49,464,670 | 1,365 |
| Average total loans | $459,263,670 | 944 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3970% | 5,706 |
| Cost of funding earning assets | 0.7007% | 6,131 |
| Net interest margin | 3.6963% | 4,132 |
| Noninterest income to average assets | 1.5581% | 538 |
| Noninterest expense to average assets | 3.3865% | 2,316 |
| Loan and lease loss provision to assets | 0.1715% | 3,920 |
| Net operating income to assets | 1.4615% | 956 |
| Return on assets (ROA) | 1.4941% | 927 |
| Pretax return on assets | 1.4941% | 1,465 |
| Return on Equity (ROE) | 21.6777% | 257 |
| Retained earnings to average equity (ytd only) | 20.9811% | 154 |
| Net charge-offs to loans | 0.0035% | 5,079 |
| Credit loss provision to net charge-offs | 7,500.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 714.2500% | 26 |
| Efficiency ratio | 67.1032% | 4,828 |
| Assets per employee ($millions) | 2.0944% | 7,313 |
| Cash dividends to net income (ytd only)* | 3.2135% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4017% | 4,657 |
| Loan loss allowance to noncurrent loans | 599.4345% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.7767% | 5,355 |
| Noncurrent loans to loans | 0.2338% | 6,517 |
| Net loans and leases to total assets | 62.6386% | 3,729 |
| Net loans and leases to deposits | 69.3504% | 4,456 |
| Net loans and leases to core deposits | 70.9982% | 4,929 |
| Total domestic deposits to total assets | 90.3218% | 954 |
| Equity capital to assets | 6.9424% | 7,098 |
| Core capital (leverage) ratio | 6.6641% | 7,127 |
| Tier 1 risk-based capital ratio | 9.8997% | 7,038 |
| Total risk-based capital ratio | 11.1508% | 7,041 |
| Memoranda: | ||
| Average total assets | $699,838,500 | 957 |
| Average earning assets | $655,351,500 | 930 |
| Average equity | $48,234,000 | 1,388 |
| Average total loans | $454,998,000 | 965 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6682% | 5,901 |
| Cost of funding earning assets | 0.8020% | 6,560 |
| Net interest margin | 3.8662% | 3,659 |
| Noninterest income to average assets | 1.7620% | 485 |
| Noninterest expense to average assets | 3.5419% | 2,068 |
| Loan and lease loss provision to assets | -0.1477% | 7,613 |
| Net operating income to assets | 1.9829% | 289 |
| Return on assets (ROA) | 1.9829% | 304 |
| Pretax return on assets | 1.9829% | 497 |
| Return on Equity (ROE) | 26.4723% | 77 |
| Retained earnings to average equity (ytd only) | 0.2753% | 5,444 |
| Net charge-offs to loans | -0.3653% | 7,580 |
| Credit loss provision to net charge-offs | 60.2439% | 6,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5170% | 5,063 |
| Assets per employee ($millions) | 2.0647% | 7,391 |
| Cash dividends to net income (ytd only)* | 98.9599% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 4,856 |
| Loan loss allowance to noncurrent loans | 226.8612% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.9866% | 5,037 |
| Noncurrent loans to loans | 0.5858% | 5,873 |
| Net loans and leases to total assets | 65.6779% | 3,528 |
| Net loans and leases to deposits | 73.3080% | 4,311 |
| Net loans and leases to core deposits | 75.3823% | 4,803 |
| Total domestic deposits to total assets | 89.5917% | 1,331 |
| Equity capital to assets | 6.8398% | 7,164 |
| Core capital (leverage) ratio | 6.5510% | 7,186 |
| Tier 1 risk-based capital ratio | 9.1079% | 7,223 |
| Total risk-based capital ratio | 10.3573% | 7,228 |
| Memoranda: | ||
| Average total assets | $669,132,000 | 993 |
| Average earning assets | $625,673,800 | 963 |
| Average equity | $50,120,400 | 1,332 |
| Average total loans | $448,997,000 | 1,003 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6754% | 6,105 |
| Cost of funding earning assets | 0.8113% | 6,724 |
| Net interest margin | 3.8641% | 3,682 |
| Noninterest income to average assets | 1.7725% | 464 |
| Noninterest expense to average assets | 3.5846% | 1,825 |
| Loan and lease loss provision to assets | -0.2398% | 7,726 |
| Net operating income to assets | 2.0389% | 319 |
| Return on assets (ROA) | 2.0389% | 341 |
| Pretax return on assets | 2.0389% | 573 |
| Return on Equity (ROE) | 26.6246% | 81 |
| Retained earnings to average equity (ytd only) | 14.3333% | 255 |
| Net charge-offs to loans | -0.6741% | 7,692 |
| Credit loss provision to net charge-offs | 52.8969% | 5,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2285% | 4,813 |
| Assets per employee ($millions) | 1.9960% | 7,520 |
| Cash dividends to net income (ytd only)* | 46.1652% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 4,306 |
| Loan loss allowance to noncurrent loans | 106.5822% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 1.1235% | 4,867 |
| Noncurrent loans to loans | 1.3425% | 4,617 |
| Net loans and leases to total assets | 67.5356% | 3,322 |
| Net loans and leases to deposits | 75.0908% | 4,334 |
| Net loans and leases to core deposits | 77.4949% | 4,865 |
| Total domestic deposits to total assets | 89.9386% | 914 |
| Equity capital to assets | 8.2982% | 6,509 |
| Core capital (leverage) ratio | 7.4375% | 6,892 |
| Tier 1 risk-based capital ratio | 10.1932% | 6,963 |
| Total risk-based capital ratio | 11.4439% | 6,938 |
| Memoranda: | ||
| Average total assets | $665,044,250 | 1,009 |
| Average earning assets | $621,531,500 | 980 |
| Average equity | $50,929,000 | 1,316 |
| Average total loans | $447,177,500 | 1,012 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6608% | 6,273 |
| Cost of funding earning assets | 0.8222% | 6,842 |
| Net interest margin | 3.8386% | 3,720 |
| Noninterest income to average assets | 1.7804% | 423 |
| Noninterest expense to average assets | 3.5079% | 2,010 |
| Loan and lease loss provision to assets | -0.5539% | 7,816 |
| Net operating income to assets | 2.4156% | 160 |
| Return on assets (ROA) | 2.4156% | 170 |
| Pretax return on assets | 2.4156% | 273 |
| Return on Equity (ROE) | 32.4398% | 43 |
| Retained earnings to average equity (ytd only) | 13.8786% | 315 |
| Net charge-offs to loans | -1.0527% | 7,763 |
| Credit loss provision to net charge-offs | 78.7543% | 4,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9771% | 5,154 |
| Assets per employee ($millions) | 1.9914% | 7,579 |
| Cash dividends to net income (ytd only)* | 57.2174% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 4,785 |
| Loan loss allowance to noncurrent loans | 114.0927% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.9938% | 5,155 |
| Noncurrent loans to loans | 1.1619% | 5,016 |
| Net loans and leases to total assets | 65.5514% | 3,929 |
| Net loans and leases to deposits | 73.3513% | 4,783 |
| Net loans and leases to core deposits | 84.0425% | 4,138 |
| Total domestic deposits to total assets | 89.3664% | 1,244 |
| Equity capital to assets | 7.6297% | 7,036 |
| Core capital (leverage) ratio | 7.0284% | 7,172 |
| Tier 1 risk-based capital ratio | 9.8000% | 7,136 |
| Total risk-based capital ratio | 11.0208% | 7,132 |
| Memoranda: | ||
| Average total assets | $666,498,000 | 1,015 |
| Average earning assets | $623,200,670 | 985 |
| Average equity | $49,630,330 | 1,348 |
| Average total loans | $445,345,670 | 1,024 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7210% | 6,171 |
| Cost of funding earning assets | 0.8472% | 6,950 |
| Net interest margin | 3.8738% | 3,433 |
| Noninterest income to average assets | 1.7139% | 435 |
| Noninterest expense to average assets | 3.4911% | 2,005 |
| Loan and lease loss provision to assets | 0.2710% | 3,859 |
| Net operating income to assets | 1.5730% | 789 |
| Return on assets (ROA) | 1.5730% | 844 |
| Pretax return on assets | 1.5730% | 1,333 |
| Return on Equity (ROE) | 21.3903% | 306 |
| Retained earnings to average equity (ytd only) | -1.3348% | 6,100 |
| Net charge-offs to loans | 0.1420% | 4,085 |
| Credit loss provision to net charge-offs | 284.8101% | 1,384 |
| Earnings coverage of net charge-offs (x) | 19.3797% | 1,205 |
| Efficiency ratio | 65.0751% | 5,295 |
| Assets per employee ($millions) | 2.0365% | 7,653 |
| Cash dividends to net income (ytd only)* | 106.2404% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2702% | 5,088 |
| Loan loss allowance to noncurrent loans | 249.4097% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.5098% | 6,221 |
| Noncurrent loans to loans | 0.5093% | 6,274 |
| Net loans and leases to total assets | 65.3759% | 4,025 |
| Net loans and leases to deposits | 72.1671% | 5,028 |
| Net loans and leases to core deposits | 83.1885% | 4,313 |
| Total domestic deposits to total assets | 90.5896% | 695 |
| Equity capital to assets | 7.0228% | 7,359 |
| Core capital (leverage) ratio | 6.5309% | 7,453 |
| Tier 1 risk-based capital ratio | 8.9641% | 7,484 |
| Total risk-based capital ratio | 10.1313% | 7,518 |
| Memoranda: | ||
| Average total assets | $664,203,500 | 1,040 |
| Average earning assets | $620,891,000 | 1,009 |
| Average equity | $48,844,500 | 1,373 |
| Average total loans | $445,110,000 | 1,049 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9833% | 6,490 |
| Cost of funding earning assets | 1.1408% | 6,849 |
| Net interest margin | 3.8425% | 3,519 |
| Noninterest income to average assets | 1.8178% | 445 |
| Noninterest expense to average assets | 3.6897% | 1,933 |
| Loan and lease loss provision to assets | 0.8426% | 2,625 |
| Net operating income to assets | 0.8715% | 2,274 |
| Return on assets (ROA) | 0.8718% | 2,334 |
| Pretax return on assets | 0.8718% | 3,011 |
| Return on Equity (ROE) | 11.5035% | 1,288 |
| Retained earnings to average equity (ytd only) | -0.2761% | 5,012 |
| Net charge-offs to loans | 0.8029% | 2,821 |
| Credit loss provision to net charge-offs | 154.9842% | 2,939 |
| Earnings coverage of net charge-offs (x) | 3.1528% | 3,483 |
| Efficiency ratio | 67.9133% | 5,018 |
| Assets per employee ($millions) | 1.9353% | 7,762 |
| Cash dividends to net income (ytd only)* | 102.4006% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 5,198 |
| Loan loss allowance to noncurrent loans | 390.4762% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.3909% | 6,474 |
| Noncurrent loans to loans | 0.3142% | 6,654 |
| Net loans and leases to total assets | 67.0132% | 3,927 |
| Net loans and leases to deposits | 74.4939% | 4,953 |
| Net loans and leases to core deposits | 96.7439% | 4,379 |
| Total domestic deposits to total assets | 89.9579% | 983 |
| Equity capital to assets | 7.6991% | 6,860 |
| Core capital (leverage) ratio | 6.9363% | 7,292 |
| Tier 1 risk-based capital ratio | 9.2363% | 7,365 |
| Total risk-based capital ratio | 10.3739% | 7,430 |
| Memoranda: | ||
| Average total assets | $640,288,800 | 1,081 |
| Average earning assets | $597,557,800 | 1,047 |
| Average equity | $48,524,400 | 1,384 |
| Average total loans | $433,579,000 | 1,107 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0070% | 6,585 |
| Cost of funding earning assets | 1.2192% | 6,840 |
| Net interest margin | 3.7878% | 3,710 |
| Noninterest income to average assets | 1.8170% | 447 |
| Noninterest expense to average assets | 3.6853% | 1,854 |
| Loan and lease loss provision to assets | 1.0965% | 1,782 |
| Net operating income to assets | 0.5705% | 3,728 |
| Return on assets (ROA) | 0.5705% | 3,793 |
| Pretax return on assets | 0.5705% | 4,297 |
| Return on Equity (ROE) | 7.5584% | 2,839 |
| Retained earnings to average equity (ytd only) | 4.7887% | 2,613 |
| Net charge-offs to loans | 1.0372% | 1,905 |
| Credit loss provision to net charge-offs | 156.1942% | 3,052 |
| Earnings coverage of net charge-offs (x) | 2.3746% | 4,045 |
| Efficiency ratio | 68.4842% | 4,884 |
| Assets per employee ($millions) | 1.8655% | 7,869 |
| Cash dividends to net income (ytd only)* | 36.6434% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 4,956 |
| Loan loss allowance to noncurrent loans | 359.9599% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.3234% | 6,674 |
| Noncurrent loans to loans | 0.3415% | 6,675 |
| Net loans and leases to total assets | 68.0154% | 3,956 |
| Net loans and leases to deposits | 78.8229% | 4,594 |
| Net loans and leases to core deposits | 103.9694% | 3,940 |
| Total domestic deposits to total assets | 86.2889% | 2,548 |
| Equity capital to assets | 8.2073% | 6,632 |
| Core capital (leverage) ratio | 7.3525% | 7,131 |
| Tier 1 risk-based capital ratio | 9.5948% | 7,309 |
| Total risk-based capital ratio | 10.7235% | 7,353 |
| Memoranda: | ||
| Average total assets | $637,800,000 | 1,101 |
| Average earning assets | $595,261,750 | 1,071 |
| Average equity | $48,139,750 | 1,415 |
| Average total loans | $431,683,500 | 1,129 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0024% | 6,760 |
| Cost of funding earning assets | 1.3130% | 6,760 |
| Net interest margin | 3.6894% | 3,997 |
| Noninterest income to average assets | 1.7996% | 453 |
| Noninterest expense to average assets | 3.6547% | 1,936 |
| Loan and lease loss provision to assets | 1.4641% | 1,183 |
| Net operating income to assets | 0.1266% | 5,489 |
| Return on assets (ROA) | 0.1266% | 5,593 |
| Pretax return on assets | 0.1266% | 5,611 |
| Return on Equity (ROE) | 1.7271% | 5,395 |
| Retained earnings to average equity (ytd only) | -2.5480% | 5,879 |
| Net charge-offs to loans | 1.5272% | 1,242 |
| Credit loss provision to net charge-offs | 142.4695% | 3,265 |
| Earnings coverage of net charge-offs (x) | 1.5479% | 4,377 |
| Efficiency ratio | 69.2988% | 4,921 |
| Assets per employee ($millions) | 1.8933% | 7,921 |
| Cash dividends to net income (ytd only)* | 247.5248% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1374% | 5,345 |
| Loan loss allowance to noncurrent loans | 471.1946% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 6,827 |
| Noncurrent loans to loans | 0.2414% | 6,912 |
| Net loans and leases to total assets | 67.2278% | 4,307 |
| Net loans and leases to deposits | 74.4939% | 5,379 |
| Net loans and leases to core deposits | 94.8824% | 5,018 |
| Total domestic deposits to total assets | 90.2461% | 733 |
| Equity capital to assets | 7.4457% | 7,315 |
| Core capital (leverage) ratio | 6.7591% | 7,679 |
| Tier 1 risk-based capital ratio | 9.5748% | 7,330 |
| Total risk-based capital ratio | 10.6533% | 7,439 |
| Memoranda: | ||
| Average total assets | $638,350,000 | 1,123 |
| Average earning assets | $596,193,670 | 1,084 |
| Average equity | $46,782,670 | 1,473 |
| Average total loans | $429,556,330 | 1,161 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0263% | 6,868 |
| Cost of funding earning assets | 1.4040% | 6,721 |
| Net interest margin | 3.6223% | 4,225 |
| Noninterest income to average assets | 1.7738% | 431 |
| Noninterest expense to average assets | 3.4890% | 2,130 |
| Loan and lease loss provision to assets | 0.4054% | 2,891 |
| Net operating income to assets | 1.2586% | 1,483 |
| Return on assets (ROA) | 1.2586% | 1,583 |
| Pretax return on assets | 1.2586% | 2,417 |
| Return on Equity (ROE) | 17.3102% | 657 |
| Retained earnings to average equity (ytd only) | 17.3102% | 259 |
| Net charge-offs to loans | 0.1752% | 3,585 |
| Credit loss provision to net charge-offs | 345.7447% | 1,456 |
| Earnings coverage of net charge-offs (x) | 14.1915% | 1,687 |
| Efficiency ratio | 67.3203% | 5,078 |
| Assets per employee ($millions) | 1.9167% | 7,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9238% | 6,640 |
| Loan loss allowance to noncurrent loans | 806.5173% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.1585% | 7,078 |
| Noncurrent loans to loans | 0.1145% | 7,199 |
| Net loans and leases to total assets | 65.3650% | 4,732 |
| Net loans and leases to deposits | 71.6025% | 5,798 |
| Net loans and leases to core deposits | 91.6468% | 5,384 |
| Total domestic deposits to total assets | 91.2888% | 330 |
| Equity capital to assets | 7.4035% | 7,419 |
| Core capital (leverage) ratio | 6.8623% | 7,719 |
| Tier 1 risk-based capital ratio | 9.7548% | 7,200 |
| Total risk-based capital ratio | 10.6271% | 7,484 |
| Memoranda: | ||
| Average total assets | $641,337,500 | 1,116 |
| Average earning assets | $598,297,500 | 1,076 |
| Average equity | $46,631,500 | 1,484 |
| Average total loans | $429,323,000 | 1,176 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0180% | 5,461 |
| Cost of funding earning assets | 2.2898% | 5,204 |
| Net interest margin | 3.7282% | 4,337 |
| Noninterest income to average assets | 1.5466% | 589 |
| Noninterest expense to average assets | 3.5367% | 2,298 |
| Loan and lease loss provision to assets | 0.2880% | 4,077 |
| Net operating income to assets | 1.1851% | 1,825 |
| Return on assets (ROA) | 1.1864% | 1,747 |
| Pretax return on assets | 1.1864% | 2,695 |
| Return on Equity (ROE) | 16.5273% | 696 |
| Retained earnings to average equity (ytd only) | 6.5820% | 1,307 |
| Net charge-offs to loans | 0.5043% | 2,344 |
| Credit loss provision to net charge-offs | 84.1232% | 5,802 |
| Earnings coverage of net charge-offs (x) | 4.3028% | 4,036 |
| Efficiency ratio | 70.1840% | 4,317 |
| Assets per employee ($millions) | 1.9006% | 7,987 |
| Cash dividends to net income (ytd only)* | 60.1751% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8136% | 7,050 |
| Loan loss allowance to noncurrent loans | 502.5862% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 6,830 |
| Noncurrent loans to loans | 0.1619% | 6,919 |
| Net loans and leases to total assets | 67.3823% | 4,572 |
| Net loans and leases to deposits | 74.3213% | 5,809 |
| Net loans and leases to core deposits | 96.4894% | 5,212 |
| Total domestic deposits to total assets | 90.6635% | 440 |
| Equity capital to assets | 7.1349% | 7,662 |
| Core capital (leverage) ratio | 6.6553% | 7,872 |
| Tier 1 risk-based capital ratio | 9.2763% | 7,546 |
| Total risk-based capital ratio | 10.0446% | 7,973 |
| Memoranda: | ||
| Average total assets | $616,307,400 | 1,092 |
| Average earning assets | $572,497,200 | 1,080 |
| Average equity | $44,242,000 | 1,522 |
| Average total loans | $418,397,000 | 1,147 |