Home > Santa Cruz County Bank > Performance and Condition Ratios
Santa Cruz County Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7747% | 859 |
| Cost of funding earning assets | 0.7392% | 3,869 |
| Net interest margin | 5.0355% | 304 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 1.9701% | 3,701 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 2.0090% | 460 |
| Return on assets (ROA) | 2.0077% | 443 |
| Pretax return on assets | 2.8427% | 240 |
| Return on Equity (ROE) | 16.6900% | 991 |
| Retained earnings to average equity (ytd only) | 14.6290% | 357 |
| Net charge-offs to loans | 0.1615% | 649 |
| Credit loss provision to net charge-offs | 25.5996% | 2,288 |
| Earnings coverage of net charge-offs (x) | 23.7057% | 1,785 |
| Efficiency ratio | 39.8251% | 4,365 |
| Assets per employee ($millions) | 11.9620% | 419 |
| Cash dividends to net income (ytd only)* | 12.3335% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6965% | 668 |
| Loan loss allowance to noncurrent loans | 251.3701% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.5308% | 1,056 |
| Noncurrent loans to loans | 0.6749% | 1,159 |
| Net loans and leases to total assets | 77.3200% | 932 |
| Net loans and leases to deposits | 91.5479% | 1,137 |
| Net loans and leases to core deposits | 98.9278% | 1,493 |
| Total domestic deposits to total assets | 84.4600% | 2,484 |
| Equity capital to assets | 12.7960% | 901 |
| Core capital (leverage) ratio | 12.0670% | 1,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9490% | 1,547 |
| Memoranda: | ||
| Average total assets | $1,757,159,600 | 637 |
| Average earning assets | $1,643,607,000 | 626 |
| Average equity | $211,409,400 | 515 |
| Average total loans | $1,342,136,000 | 567 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6711% | 827 |
| Cost of funding earning assets | 0.6238% | 3,934 |
| Net interest margin | 5.0473% | 292 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 1.9356% | 3,743 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 2.0156% | 490 |
| Return on assets (ROA) | 2.0137% | 482 |
| Pretax return on assets | 2.8520% | 264 |
| Return on Equity (ROE) | 17.0200% | 1,071 |
| Retained earnings to average equity (ytd only) | 15.1124% | 542 |
| Net charge-offs to loans | 0.1002% | 782 |
| Credit loss provision to net charge-offs | 55.6225% | 1,873 |
| Earnings coverage of net charge-offs (x) | 39.2349% | 1,457 |
| Efficiency ratio | 38.9468% | 4,383 |
| Assets per employee ($millions) | 11.8215% | 393 |
| Cash dividends to net income (ytd only)* | 11.1822% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8262% | 538 |
| Loan loss allowance to noncurrent loans | 234.7761% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.6033% | 977 |
| Noncurrent loans to loans | 0.7778% | 1,065 |
| Net loans and leases to total assets | 76.1400% | 1,104 |
| Net loans and leases to deposits | 88.2876% | 1,361 |
| Net loans and leases to core deposits | 93.0105% | 1,735 |
| Total domestic deposits to total assets | 86.2400% | 2,120 |
| Equity capital to assets | 12.2563% | 977 |
| Core capital (leverage) ratio | 11.6202% | 1,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7806% | 1,637 |
| Memoranda: | ||
| Average total assets | $1,747,875,750 | 640 |
| Average earning assets | $1,636,774,000 | 628 |
| Average equity | $206,862,250 | 519 |
| Average total loans | $1,324,846,750 | 571 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5572% | 770 |
| Cost of funding earning assets | 0.5302% | 3,922 |
| Net interest margin | 5.0269% | 303 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 1.9675% | 3,665 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.9800% | 485 |
| Return on assets (ROA) | 1.9773% | 486 |
| Pretax return on assets | 2.8061% | 246 |
| Return on Equity (ROE) | 16.9100% | 1,114 |
| Retained earnings to average equity (ytd only) | 14.4307% | 632 |
| Net charge-offs to loans | 0.1529% | 511 |
| Credit loss provision to net charge-offs | 25.2000% | 1,752 |
| Earnings coverage of net charge-offs (x) | 25.2370% | 1,633 |
| Efficiency ratio | 39.9797% | 4,396 |
| Assets per employee ($millions) | 11.7998% | 398 |
| Cash dividends to net income (ytd only)* | 14.6712% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8545% | 541 |
| Loan loss allowance to noncurrent loans | 309.0569% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.4596% | 1,167 |
| Noncurrent loans to loans | 0.6001% | 1,239 |
| Net loans and leases to total assets | 75.1800% | 1,140 |
| Net loans and leases to deposits | 89.4749% | 1,226 |
| Net loans and leases to core deposits | 94.9472% | 1,526 |
| Total domestic deposits to total assets | 84.0200% | 2,809 |
| Equity capital to assets | 11.9219% | 1,073 |
| Core capital (leverage) ratio | 11.4261% | 1,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5721% | 1,708 |
| Memoranda: | ||
| Average total assets | $1,739,426,000 | 627 |
| Average earning assets | $1,627,667,333 | 618 |
| Average equity | $203,372,333 | 516 |
| Average total loans | $1,308,056,667 | 563 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4442% | 673 |
| Cost of funding earning assets | 0.3471% | 4,082 |
| Net interest margin | 5.0971% | 258 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 1.9540% | 3,734 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 2.0514% | 457 |
| Return on assets (ROA) | 2.0459% | 453 |
| Pretax return on assets | 2.9033% | 222 |
| Return on Equity (ROE) | 17.6700% | 1,069 |
| Retained earnings to average equity (ytd only) | 15.1554% | 783 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 39.1534% | 4,466 |
| Assets per employee ($millions) | 11.3646% | 472 |
| Cash dividends to net income (ytd only)* | 14.2471% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9624% | 476 |
| Loan loss allowance to noncurrent loans | 989.2584% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.1514% | 2,455 |
| Noncurrent loans to loans | 0.1984% | 2,481 |
| Net loans and leases to total assets | 74.8400% | 1,095 |
| Net loans and leases to deposits | 88.4346% | 1,173 |
| Net loans and leases to core deposits | 94.4273% | 1,362 |
| Total domestic deposits to total assets | 84.6300% | 2,946 |
| Equity capital to assets | 11.8235% | 1,054 |
| Core capital (leverage) ratio | 10.9930% | 1,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7241% | 1,709 |
| Memoranda: | ||
| Average total assets | $1,735,950,500 | 642 |
| Average earning assets | $1,627,127,000 | 628 |
| Average equity | $200,958,000 | 532 |
| Average total loans | $1,293,233,500 | 578 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3592% | 951 |
| Cost of funding earning assets | 0.1120% | 4,329 |
| Net interest margin | 4.2472% | 470 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 1.6538% | 4,243 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.7597% | 483 |
| Return on assets (ROA) | 1.7597% | 457 |
| Pretax return on assets | 2.4884% | 212 |
| Return on Equity (ROE) | 16.4700% | 967 |
| Retained earnings to average equity (ytd only) | 14.3248% | 346 |
| Net charge-offs to loans | 0.0103% | 1,984 |
| Credit loss provision to net charge-offs | 1,263.4921% | 364 |
| Earnings coverage of net charge-offs (x) | 359.9365% | 423 |
| Efficiency ratio | 38.5246% | 4,569 |
| Assets per employee ($millions) | 11.3278% | 467 |
| Cash dividends to net income (ytd only)* | 13.0429% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6915% | 814 |
| Loan loss allowance to noncurrent loans | 676.2535% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.1818% | 2,277 |
| Noncurrent loans to loans | 0.2501% | 2,277 |
| Net loans and leases to total assets | 71.4400% | 1,476 |
| Net loans and leases to deposits | 81.4156% | 1,662 |
| Net loans and leases to core deposits | 85.0690% | 1,814 |
| Total domestic deposits to total assets | 87.7500% | 2,162 |
| Equity capital to assets | 11.3315% | 1,135 |
| Core capital (leverage) ratio | 10.3918% | 2,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9457% | 1,647 |
| Memoranda: | ||
| Average total assets | $1,758,487,200 | 619 |
| Average earning assets | $1,653,064,000 | 602 |
| Average equity | $187,842,200 | 552 |
| Average total loans | $1,222,892,200 | 570 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0725% | 1,116 |
| Cost of funding earning assets | 0.0976% | 4,305 |
| Net interest margin | 3.9749% | 674 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 1.6892% | 4,170 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.5833% | 681 |
| Return on assets (ROA) | 1.5832% | 661 |
| Pretax return on assets | 2.2445% | 299 |
| Return on Equity (ROE) | 15.0500% | 1,161 |
| Retained earnings to average equity (ytd only) | 13.0558% | 603 |
| Net charge-offs to loans | 0.0139% | 1,601 |
| Credit loss provision to net charge-offs | 753.9683% | 487 |
| Earnings coverage of net charge-offs (x) | 242.9603% | 547 |
| Efficiency ratio | 41.5936% | 4,531 |
| Assets per employee ($millions) | 12.9317% | 301 |
| Cash dividends to net income (ytd only)* | 13.2390% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6761% | 912 |
| Loan loss allowance to noncurrent loans | 772.1604% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 2,596 |
| Noncurrent loans to loans | 0.2171% | 2,528 |
| Net loans and leases to total assets | 65.5300% | 1,931 |
| Net loans and leases to deposits | 73.6751% | 2,085 |
| Net loans and leases to core deposits | 76.6835% | 2,145 |
| Total domestic deposits to total assets | 88.9400% | 2,120 |
| Equity capital to assets | 10.0435% | 1,597 |
| Core capital (leverage) ratio | 9.8427% | 2,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4657% | 1,887 |
| Memoranda: | ||
| Average total assets | $1,761,987,250 | 622 |
| Average earning assets | $1,657,598,750 | 601 |
| Average equity | $185,383,750 | 564 |
| Average total loans | $1,211,680,250 | 567 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9016% | 1,111 |
| Cost of funding earning assets | 0.0915% | 4,278 |
| Net interest margin | 3.8101% | 738 |
| Noninterest income to average assets | 0.2414% | 3,726 |
| Noninterest expense to average assets | 1.7574% | 4,042 |
| Loan and lease loss provision to assets | 0.1466% | 653 |
| Net operating income to assets | 1.3595% | 1,003 |
| Return on assets (ROA) | 1.3595% | 980 |
| Pretax return on assets | 1.9250% | 445 |
| Return on Equity (ROE) | 12.7140% | 1,459 |
| Retained earnings to average equity (ytd only) | 10.8680% | 801 |
| Net charge-offs to loans | 0.0123% | 1,542 |
| Credit loss provision to net charge-offs | 1,712.1622% | 274 |
| Earnings coverage of net charge-offs (x) | 241.9595% | 483 |
| Efficiency ratio | 45.2831% | 4,482 |
| Assets per employee ($millions) | 12.1455% | 366 |
| Cash dividends to net income (ytd only)* | 14.5191% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7420% | 887 |
| Loan loss allowance to noncurrent loans | 6,357.6577% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 3,825 |
| Noncurrent loans to loans | 0.0274% | 3,754 |
| Net loans and leases to total assets | 67.8059% | 1,494 |
| Net loans and leases to deposits | 76.7816% | 1,629 |
| Net loans and leases to core deposits | 80.0384% | 1,713 |
| Total domestic deposits to total assets | 88.3101% | 2,457 |
| Equity capital to assets | 10.5352% | 1,411 |
| Core capital (leverage) ratio | 10.0024% | 2,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4751% | 1,876 |
| Memoranda: | ||
| Average total assets | $1,728,594,333 | 626 |
| Average earning assets | $1,627,690,000 | 614 |
| Average equity | $184,836,333 | 576 |
| Average total loans | $1,201,886,667 | 564 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8282% | 1,037 |
| Cost of funding earning assets | 0.0916% | 4,243 |
| Net interest margin | 3.7366% | 704 |
| Noninterest income to average assets | 0.1694% | 4,152 |
| Noninterest expense to average assets | 1.7646% | 4,023 |
| Loan and lease loss provision to assets | 0.1507% | 522 |
| Net operating income to assets | 1.2575% | 1,100 |
| Return on assets (ROA) | 1.2575% | 1,086 |
| Pretax return on assets | 1.7789% | 570 |
| Return on Equity (ROE) | 11.6713% | 1,405 |
| Retained earnings to average equity (ytd only) | 10.0061% | 1,020 |
| Net charge-offs to loans | 0.0228% | 1,097 |
| Credit loss provision to net charge-offs | 948.5294% | 349 |
| Earnings coverage of net charge-offs (x) | 121.4706% | 609 |
| Efficiency ratio | 47.1228% | 4,448 |
| Assets per employee ($millions) | 12.3988% | 355 |
| Cash dividends to net income (ytd only)* | 14.2671% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7294% | 1,003 |
| Loan loss allowance to noncurrent loans | 33,696.7213% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 4,064 |
| Noncurrent loans to loans | 0.0051% | 4,000 |
| Net loans and leases to total assets | 67.7717% | 1,236 |
| Net loans and leases to deposits | 76.6577% | 1,390 |
| Net loans and leases to core deposits | 80.1702% | 1,466 |
| Total domestic deposits to total assets | 88.4082% | 2,332 |
| Equity capital to assets | 10.6116% | 1,540 |
| Core capital (leverage) ratio | 9.8111% | 2,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8323% | 1,861 |
| Memoranda: | ||
| Average total assets | $1,712,340,000 | 631 |
| Average earning assets | $1,615,283,500 | 619 |
| Average equity | $184,487,000 | 592 |
| Average total loans | $1,195,178,500 | 564 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2018% | 988 |
| Cost of funding earning assets | 0.1204% | 4,215 |
| Net interest margin | 4.0814% | 617 |
| Noninterest income to average assets | 0.2785% | 3,718 |
| Noninterest expense to average assets | 1.8156% | 4,115 |
| Loan and lease loss provision to assets | 0.4283% | 146 |
| Net operating income to assets | 1.3287% | 1,522 |
| Return on assets (ROA) | 1.3287% | 1,559 |
| Pretax return on assets | 1.8777% | 767 |
| Return on Equity (ROE) | 11.9557% | 1,833 |
| Retained earnings to average equity (ytd only) | 10.8936% | 724 |
| Net charge-offs to loans | -0.0079% | 3,670 |
| Credit loss provision to net charge-offs | -6,927.2727% | 4,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3145% | 4,594 |
| Assets per employee ($millions) | 11.1924% | 483 |
| Cash dividends to net income (ytd only)* | 8.8841% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6623% | 1,132 |
| Loan loss allowance to noncurrent loans | 4,093.8525% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 3,839 |
| Noncurrent loans to loans | 0.0406% | 3,780 |
| Net loans and leases to total assets | 69.4682% | 1,102 |
| Net loans and leases to deposits | 78.9814% | 1,297 |
| Net loans and leases to core deposits | 82.4259% | 1,431 |
| Total domestic deposits to total assets | 87.9551% | 2,068 |
| Equity capital to assets | 10.9384% | 1,827 |
| Core capital (leverage) ratio | 9.5011% | 2,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8790% | 1,895 |
| Memoranda: | ||
| Average total assets | $1,601,157,600 | 647 |
| Average earning assets | $1,507,700,200 | 632 |
| Average equity | $177,939,600 | 612 |
| Average total loans | $1,249,211,600 | 545 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2557% | 1,023 |
| Cost of funding earning assets | 0.1272% | 4,285 |
| Net interest margin | 4.1285% | 620 |
| Noninterest income to average assets | 0.3137% | 3,547 |
| Noninterest expense to average assets | 1.8337% | 4,095 |
| Loan and lease loss provision to assets | 0.3828% | 174 |
| Net operating income to assets | 1.4026% | 1,533 |
| Return on assets (ROA) | 1.4026% | 1,593 |
| Pretax return on assets | 1.9814% | 824 |
| Return on Equity (ROE) | 12.5680% | 1,840 |
| Retained earnings to average equity (ytd only) | 11.5425% | 932 |
| Net charge-offs to loans | -0.0010% | 3,119 |
| Credit loss provision to net charge-offs | -50,277.7778% | 4,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9461% | 4,627 |
| Assets per employee ($millions) | 11.4064% | 436 |
| Cash dividends to net income (ytd only)* | 8.1599% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4712% | 1,740 |
| Loan loss allowance to noncurrent loans | 4,444.3038% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 4,028 |
| Noncurrent loans to loans | 0.0331% | 3,968 |
| Net loans and leases to total assets | 69.1757% | 1,170 |
| Net loans and leases to deposits | 78.4440% | 1,441 |
| Net loans and leases to core deposits | 81.9830% | 1,574 |
| Total domestic deposits to total assets | 88.1848% | 1,727 |
| Equity capital to assets | 10.7702% | 2,199 |
| Core capital (leverage) ratio | 9.4386% | 3,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1296% | 1,922 |
| Memoranda: | ||
| Average total assets | $1,576,134,500 | 664 |
| Average earning assets | $1,482,902,250 | 653 |
| Average equity | $175,902,000 | 625 |
| Average total loans | $1,261,063,250 | 547 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2301% | 1,129 |
| Cost of funding earning assets | 0.1355% | 4,310 |
| Net interest margin | 4.0946% | 703 |
| Noninterest income to average assets | 0.3828% | 3,201 |
| Noninterest expense to average assets | 1.8771% | 4,019 |
| Loan and lease loss provision to assets | 0.3160% | 259 |
| Net operating income to assets | 1.4438% | 1,434 |
| Return on assets (ROA) | 1.4438% | 1,501 |
| Pretax return on assets | 2.0390% | 769 |
| Return on Equity (ROE) | 12.7719% | 1,801 |
| Retained earnings to average equity (ytd only) | 11.7703% | 968 |
| Net charge-offs to loans | -0.0008% | 3,066 |
| Credit loss provision to net charge-offs | -48,500.0000% | 4,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6070% | 4,636 |
| Assets per employee ($millions) | 11.0962% | 445 |
| Cash dividends to net income (ytd only)* | 7.8423% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2108% | 2,867 |
| Loan loss allowance to noncurrent loans | 10,655.8621% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 4,253 |
| Noncurrent loans to loans | 0.0114% | 4,186 |
| Net loans and leases to total assets | 77.2864% | 492 |
| Net loans and leases to deposits | 87.9905% | 775 |
| Net loans and leases to core deposits | 92.2231% | 993 |
| Total domestic deposits to total assets | 87.8349% | 1,921 |
| Equity capital to assets | 10.9490% | 2,021 |
| Core capital (leverage) ratio | 9.6661% | 2,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3105% | 1,863 |
| Memoranda: | ||
| Average total assets | $1,534,996,000 | 674 |
| Average earning assets | $1,443,027,333 | 662 |
| Average equity | $173,521,000 | 627 |
| Average total loans | $1,283,674,333 | 542 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1992% | 1,206 |
| Cost of funding earning assets | 0.1409% | 4,374 |
| Net interest margin | 4.0583% | 776 |
| Noninterest income to average assets | 0.3901% | 3,147 |
| Noninterest expense to average assets | 1.9038% | 3,977 |
| Loan and lease loss provision to assets | 0.1009% | 1,336 |
| Net operating income to assets | 1.5573% | 1,201 |
| Return on assets (ROA) | 1.5573% | 1,268 |
| Pretax return on assets | 2.1970% | 694 |
| Return on Equity (ROE) | 13.5427% | 1,527 |
| Retained earnings to average equity (ytd only) | 12.6397% | 989 |
| Net charge-offs to loans | -0.0009% | 3,045 |
| Credit loss provision to net charge-offs | -12,500.0000% | 3,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5291% | 4,549 |
| Assets per employee ($millions) | 10.1371% | 574 |
| Cash dividends to net income (ytd only)* | 6.6678% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 3,837 |
| Loan loss allowance to noncurrent loans | 13,534.3434% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 4,346 |
| Noncurrent loans to loans | 0.0074% | 4,287 |
| Net loans and leases to total assets | 85.6006% | 99 |
| Net loans and leases to deposits | 97.9052% | 349 |
| Net loans and leases to core deposits | 102.7915% | 608 |
| Total domestic deposits to total assets | 87.4321% | 2,124 |
| Equity capital to assets | 11.1854% | 1,731 |
| Core capital (leverage) ratio | 10.1295% | 2,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1710% | 1,516 |
| Memoranda: | ||
| Average total assets | $1,486,926,000 | 685 |
| Average earning assets | $1,396,551,500 | 672 |
| Average equity | $170,985,000 | 631 |
| Average total loans | $1,287,463,000 | 543 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3394% | 1,745 |
| Cost of funding earning assets | 0.2275% | 4,479 |
| Net interest margin | 4.1119% | 762 |
| Noninterest income to average assets | 0.3121% | 3,605 |
| Noninterest expense to average assets | 1.9920% | 4,151 |
| Loan and lease loss provision to assets | 0.2201% | 1,778 |
| Net operating income to assets | 1.3718% | 1,081 |
| Return on assets (ROA) | 1.3718% | 1,173 |
| Pretax return on assets | 1.9289% | 524 |
| Return on Equity (ROE) | 10.9809% | 1,631 |
| Retained earnings to average equity (ytd only) | 10.2582% | 542 |
| Net charge-offs to loans | 0.0090% | 3,008 |
| Credit loss provision to net charge-offs | 3,094.5055% | 320 |
| Earnings coverage of net charge-offs (x) | 302.1319% | 346 |
| Efficiency ratio | 46.8903% | 4,677 |
| Assets per employee ($millions) | 10.6184% | 441 |
| Cash dividends to net income (ytd only)* | 6.5812% | 3,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 3,659 |
| Loan loss allowance to noncurrent loans | 42,003.2258% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 4,468 |
| Noncurrent loans to loans | 0.0025% | 4,404 |
| Net loans and leases to total assets | 85.8024% | 105 |
| Net loans and leases to deposits | 102.1823% | 307 |
| Net loans and leases to core deposits | 107.9998% | 571 |
| Total domestic deposits to total assets | 83.9699% | 3,121 |
| Equity capital to assets | 11.8413% | 1,653 |
| Core capital (leverage) ratio | 10.2718% | 2,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5898% | 1,660 |
| Memoranda: | ||
| Average total assets | $1,279,369,000 | 712 |
| Average earning assets | $1,191,317,200 | 704 |
| Average equity | $159,822,600 | 636 |
| Average total loans | $1,012,371,600 | 633 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2736% | 2,180 |
| Cost of funding earning assets | 0.2441% | 4,530 |
| Net interest margin | 4.0295% | 1,051 |
| Noninterest income to average assets | 0.3059% | 3,659 |
| Noninterest expense to average assets | 1.9298% | 4,286 |
| Loan and lease loss provision to assets | 0.0815% | 3,295 |
| Net operating income to assets | 1.4481% | 999 |
| Return on assets (ROA) | 1.4481% | 1,092 |
| Pretax return on assets | 2.0398% | 482 |
| Return on Equity (ROE) | 11.4220% | 1,549 |
| Retained earnings to average equity (ytd only) | 10.6896% | 629 |
| Net charge-offs to loans | 0.0127% | 2,652 |
| Credit loss provision to net charge-offs | 835.1648% | 948 |
| Earnings coverage of net charge-offs (x) | 217.4066% | 471 |
| Efficiency ratio | 46.3607% | 4,696 |
| Assets per employee ($millions) | 10.8112% | 401 |
| Cash dividends to net income (ytd only)* | 6.4120% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9087% | 4,043 |
| Loan loss allowance to noncurrent loans | 1,751.7572% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 4,233 |
| Noncurrent loans to loans | 0.0519% | 4,165 |
| Net loans and leases to total assets | 82.5469% | 394 |
| Net loans and leases to deposits | 101.3686% | 476 |
| Net loans and leases to core deposits | 107.6270% | 783 |
| Total domestic deposits to total assets | 81.4324% | 3,555 |
| Equity capital to assets | 11.3859% | 2,092 |
| Core capital (leverage) ratio | 10.2510% | 2,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4966% | 1,373 |
| Memoranda: | ||
| Average total assets | $1,243,493,250 | 717 |
| Average earning assets | $1,155,761,250 | 714 |
| Average equity | $157,656,750 | 639 |
| Average total loans | $956,994,750 | 665 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3191% | 2,423 |
| Cost of funding earning assets | 0.2711% | 4,563 |
| Net interest margin | 4.0480% | 1,223 |
| Noninterest income to average assets | 0.2696% | 3,865 |
| Noninterest expense to average assets | 1.9918% | 4,250 |
| Loan and lease loss provision to assets | 0.0681% | 3,442 |
| Net operating income to assets | 1.3900% | 1,136 |
| Return on assets (ROA) | 1.3900% | 1,226 |
| Pretax return on assets | 1.9561% | 599 |
| Return on Equity (ROE) | 10.5227% | 1,802 |
| Retained earnings to average equity (ytd only) | 9.7780% | 834 |
| Net charge-offs to loans | 0.0215% | 2,287 |
| Credit loss provision to net charge-offs | 425.5319% | 1,349 |
| Earnings coverage of net charge-offs (x) | 126.5213% | 602 |
| Efficiency ratio | 48.2328% | 4,615 |
| Assets per employee ($millions) | 11.0786% | 376 |
| Cash dividends to net income (ytd only)* | 7.0773% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 3,785 |
| Loan loss allowance to noncurrent loans | 1,693.6102% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 4,309 |
| Noncurrent loans to loans | 0.0563% | 4,252 |
| Net loans and leases to total assets | 79.5195% | 651 |
| Net loans and leases to deposits | 95.9589% | 795 |
| Net loans and leases to core deposits | 102.1420% | 1,110 |
| Total domestic deposits to total assets | 82.8683% | 3,121 |
| Equity capital to assets | 11.5315% | 1,949 |
| Core capital (leverage) ratio | 10.6491% | 2,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2025% | 1,205 |
| Memoranda: | ||
| Average total assets | $1,175,092,000 | 747 |
| Average earning assets | $1,087,551,333 | 737 |
| Average equity | $155,226,667 | 644 |
| Average total loans | $873,719,333 | 715 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8165% | 1,379 |
| Cost of funding earning assets | 0.3223% | 4,586 |
| Net interest margin | 4.4943% | 507 |
| Noninterest income to average assets | 0.3599% | 3,364 |
| Noninterest expense to average assets | 2.1229% | 4,174 |
| Loan and lease loss provision to assets | 0.0561% | 3,061 |
| Net operating income to assets | 1.6374% | 578 |
| Return on assets (ROA) | 1.6374% | 638 |
| Pretax return on assets | 2.3091% | 232 |
| Return on Equity (ROE) | 11.4540% | 1,276 |
| Retained earnings to average equity (ytd only) | 10.6984% | 616 |
| Net charge-offs to loans | 0.0514% | 1,495 |
| Credit loss provision to net charge-offs | 154.6392% | 1,570 |
| Earnings coverage of net charge-offs (x) | 65.2371% | 764 |
| Efficiency ratio | 45.9610% | 4,831 |
| Assets per employee ($millions) | 9.4643% | 448 |
| Cash dividends to net income (ytd only)* | 6.5967% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3765% | 1,785 |
| Loan loss allowance to noncurrent loans | 51,745.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 4,643 |
| Noncurrent loans to loans | 0.0027% | 4,570 |
| Net loans and leases to total assets | 69.3322% | 2,352 |
| Net loans and leases to deposits | 82.4669% | 2,393 |
| Net loans and leases to core deposits | 90.0014% | 2,346 |
| Total domestic deposits to total assets | 84.0728% | 2,768 |
| Equity capital to assets | 14.4831% | 904 |
| Core capital (leverage) ratio | 12.2615% | 1,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6329% | 1,435 |
| Memoranda: | ||
| Average total assets | $1,070,223,000 | 776 |
| Average earning assets | $983,030,000 | 771 |
| Average equity | $152,994,500 | 651 |
| Average total loans | $754,673,000 | 788 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2059% | 981 |
| Cost of funding earning assets | 0.3048% | 4,715 |
| Net interest margin | 4.9011% | 330 |
| Noninterest income to average assets | 0.4090% | 3,238 |
| Noninterest expense to average assets | 2.6703% | 2,968 |
| Loan and lease loss provision to assets | 0.0588% | 2,862 |
| Net operating income to assets | 1.6038% | 834 |
| Return on assets (ROA) | 1.6038% | 890 |
| Pretax return on assets | 2.2771% | 328 |
| Return on Equity (ROE) | 13.8322% | 935 |
| Retained earnings to average equity (ytd only) | 12.8867% | 172 |
| Net charge-offs to loans | -0.0016% | 4,210 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9793% | 4,526 |
| Assets per employee ($millions) | 9.4777% | 418 |
| Cash dividends to net income (ytd only)* | 6.8350% | 3,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 1,679 |
| Loan loss allowance to noncurrent loans | 1,391.3514% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 4,282 |
| Noncurrent loans to loans | 0.0977% | 4,135 |
| Net loans and leases to total assets | 69.7695% | 2,438 |
| Net loans and leases to deposits | 82.6252% | 2,487 |
| Net loans and leases to core deposits | 90.5111% | 2,374 |
| Total domestic deposits to total assets | 84.4409% | 2,709 |
| Equity capital to assets | 14.1083% | 1,055 |
| Core capital (leverage) ratio | 11.8543% | 1,866 |
| Tier 1 risk-based capital ratio | 15.0088% | 2,777 |
| Total risk-based capital ratio | 16.2595% | 2,712 |
| Memoranda: | ||
| Average total assets | $765,356,200 | 1,011 |
| Average earning assets | $717,901,000 | 993 |
| Average equity | $88,742,400 | 993 |
| Average total loans | $550,590,600 | 979 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2001% | 1,041 |
| Cost of funding earning assets | 0.2798% | 4,847 |
| Net interest margin | 4.9203% | 332 |
| Noninterest income to average assets | 0.4770% | 2,870 |
| Noninterest expense to average assets | 2.5323% | 3,343 |
| Loan and lease loss provision to assets | 0.0581% | 2,737 |
| Net operating income to assets | 1.7919% | 625 |
| Return on assets (ROA) | 1.7919% | 659 |
| Pretax return on assets | 2.5427% | 230 |
| Return on Equity (ROE) | 16.8755% | 491 |
| Retained earnings to average equity (ytd only) | 15.8713% | 112 |
| Net charge-offs to loans | -0.0029% | 4,100 |
| Credit loss provision to net charge-offs | -2,727.2727% | 4,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3327% | 4,783 |
| Assets per employee ($millions) | 8.3089% | 620 |
| Cash dividends to net income (ytd only)* | 5.9510% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0032% | 468 |
| Loan loss allowance to noncurrent loans | 641.8722% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 3,700 |
| Noncurrent loans to loans | 0.3121% | 3,406 |
| Net loans and leases to total assets | 68.6755% | 2,679 |
| Net loans and leases to deposits | 78.6233% | 3,040 |
| Net loans and leases to core deposits | 83.8600% | 3,107 |
| Total domestic deposits to total assets | 87.3476% | 1,345 |
| Equity capital to assets | 10.7637% | 3,323 |
| Core capital (leverage) ratio | 10.7901% | 2,846 |
| Tier 1 risk-based capital ratio | 14.9150% | 2,895 |
| Total risk-based capital ratio | 16.1740% | 2,816 |
| Memoranda: | ||
| Average total assets | $688,949,500 | 1,083 |
| Average earning assets | $651,948,000 | 1,059 |
| Average equity | $73,153,500 | 1,171 |
| Average total loans | $498,859,500 | 1,083 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1891% | 1,000 |
| Cost of funding earning assets | 0.2784% | 4,880 |
| Net interest margin | 4.9107% | 344 |
| Noninterest income to average assets | 0.5009% | 2,671 |
| Noninterest expense to average assets | 2.5217% | 3,411 |
| Loan and lease loss provision to assets | 0.0443% | 2,937 |
| Net operating income to assets | 1.8393% | 551 |
| Return on assets (ROA) | 1.8393% | 575 |
| Pretax return on assets | 2.5837% | 212 |
| Return on Equity (ROE) | 17.4073% | 420 |
| Retained earnings to average equity (ytd only) | 16.3822% | 120 |
| Net charge-offs to loans | -0.0020% | 3,955 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9684% | 4,842 |
| Assets per employee ($millions) | 7.7189% | 739 |
| Cash dividends to net income (ytd only)* | 5.8890% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9555% | 511 |
| Loan loss allowance to noncurrent loans | 471.5432% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.3017% | 3,341 |
| Noncurrent loans to loans | 0.4147% | 3,047 |
| Net loans and leases to total assets | 71.3202% | 2,322 |
| Net loans and leases to deposits | 81.4668% | 2,792 |
| Net loans and leases to core deposits | 87.0012% | 2,885 |
| Total domestic deposits to total assets | 87.5451% | 1,318 |
| Equity capital to assets | 10.6513% | 3,386 |
| Core capital (leverage) ratio | 10.7784% | 2,812 |
| Tier 1 risk-based capital ratio | 14.1089% | 3,258 |
| Total risk-based capital ratio | 15.3672% | 3,175 |
| Memoranda: | ||
| Average total assets | $677,642,000 | 1,100 |
| Average earning assets | $641,499,000 | 1,072 |
| Average equity | $71,602,000 | 1,190 |
| Average total loans | $496,284,670 | 1,087 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1795% | 944 |
| Cost of funding earning assets | 0.2582% | 4,960 |
| Net interest margin | 4.9213% | 326 |
| Noninterest income to average assets | 0.4864% | 2,633 |
| Noninterest expense to average assets | 2.6480% | 3,061 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7828% | 601 |
| Return on assets (ROA) | 1.7828% | 618 |
| Pretax return on assets | 2.5019% | 249 |
| Return on Equity (ROE) | 16.9442% | 486 |
| Retained earnings to average equity (ytd only) | 15.8984% | 228 |
| Net charge-offs to loans | -0.0049% | 4,021 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4186% | 4,735 |
| Assets per employee ($millions) | 7.3417% | 866 |
| Cash dividends to net income (ytd only)* | 6.1720% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0190% | 480 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 71.4971% | 2,252 |
| Net loans and leases to deposits | 82.1116% | 2,601 |
| Net loans and leases to core deposits | 87.4492% | 2,744 |
| Total domestic deposits to total assets | 87.0732% | 1,773 |
| Equity capital to assets | 10.6969% | 3,166 |
| Core capital (leverage) ratio | 10.7418% | 2,812 |
| Tier 1 risk-based capital ratio | 14.1049% | 3,294 |
| Total risk-based capital ratio | 15.3638% | 3,208 |
| Memoranda: | ||
| Average total assets | $665,253,000 | 1,117 |
| Average earning assets | $630,404,000 | 1,095 |
| Average equity | $69,994,500 | 1,206 |
| Average total loans | $488,947,500 | 1,102 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9663% | 1,119 |
| Cost of funding earning assets | 0.2163% | 4,939 |
| Net interest margin | 4.7501% | 442 |
| Noninterest income to average assets | 0.4441% | 3,144 |
| Noninterest expense to average assets | 2.4088% | 3,855 |
| Loan and lease loss provision to assets | 0.1062% | 2,077 |
| Net operating income to assets | 1.7573% | 605 |
| Return on assets (ROA) | 1.7573% | 601 |
| Pretax return on assets | 2.4500% | 231 |
| Return on Equity (ROE) | 18.1373% | 377 |
| Retained earnings to average equity (ytd only) | 17.0694% | 65 |
| Net charge-offs to loans | -0.0091% | 4,466 |
| Credit loss provision to net charge-offs | -1,600.0000% | 4,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5149% | 5,019 |
| Assets per employee ($millions) | 6.9727% | 982 |
| Cash dividends to net income (ytd only)* | 5.8875% | 3,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0060% | 466 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 72.5450% | 2,169 |
| Net loans and leases to deposits | 82.2672% | 2,700 |
| Net loans and leases to core deposits | 87.5099% | 2,789 |
| Total domestic deposits to total assets | 88.1822% | 1,220 |
| Equity capital to assets | 10.3445% | 3,331 |
| Core capital (leverage) ratio | 10.2582% | 3,295 |
| Tier 1 risk-based capital ratio | 13.4486% | 3,579 |
| Total risk-based capital ratio | 14.7073% | 3,477 |
| Memoranda: | ||
| Average total assets | $647,591,400 | 1,116 |
| Average earning assets | $616,351,200 | 1,092 |
| Average equity | $62,743,800 | 1,274 |
| Average total loans | $472,849,600 | 1,105 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8649% | 1,257 |
| Cost of funding earning assets | 0.2044% | 5,008 |
| Net interest margin | 4.6606% | 515 |
| Noninterest income to average assets | 0.4850% | 2,949 |
| Noninterest expense to average assets | 2.4316% | 3,781 |
| Loan and lease loss provision to assets | 0.1035% | 1,936 |
| Net operating income to assets | 1.6984% | 746 |
| Return on assets (ROA) | 1.6984% | 747 |
| Pretax return on assets | 2.3881% | 287 |
| Return on Equity (ROE) | 17.8400% | 440 |
| Retained earnings to average equity (ytd only) | 16.7807% | 112 |
| Net charge-offs to loans | -0.0105% | 4,421 |
| Credit loss provision to net charge-offs | -1,351.3514% | 4,682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3901% | 4,975 |
| Assets per employee ($millions) | 7.7313% | 708 |
| Cash dividends to net income (ytd only)* | 5.9376% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0445% | 451 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 69.4880% | 2,728 |
| Net loans and leases to deposits | 78.3479% | 3,209 |
| Net loans and leases to core deposits | 83.2853% | 3,215 |
| Total domestic deposits to total assets | 88.6916% | 961 |
| Equity capital to assets | 9.8404% | 3,788 |
| Core capital (leverage) ratio | 9.9003% | 3,743 |
| Tier 1 risk-based capital ratio | 12.4368% | 4,231 |
| Total risk-based capital ratio | 13.6944% | 4,117 |
| Memoranda: | ||
| Average total assets | $643,887,250 | 1,126 |
| Average earning assets | $613,187,250 | 1,097 |
| Average equity | $61,299,000 | 1,297 |
| Average total loans | $468,466,750 | 1,111 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7822% | 1,302 |
| Cost of funding earning assets | 0.1938% | 5,056 |
| Net interest margin | 4.5884% | 564 |
| Noninterest income to average assets | 0.5122% | 2,791 |
| Noninterest expense to average assets | 2.4466% | 3,785 |
| Loan and lease loss provision to assets | 0.1178% | 1,680 |
| Net operating income to assets | 1.6493% | 805 |
| Return on assets (ROA) | 1.6493% | 812 |
| Pretax return on assets | 2.3200% | 311 |
| Return on Equity (ROE) | 17.5293% | 473 |
| Retained earnings to average equity (ytd only) | 16.5146% | 138 |
| Net charge-offs to loans | -0.0103% | 4,329 |
| Credit loss provision to net charge-offs | -1,562.5000% | 4,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0900% | 5,024 |
| Assets per employee ($millions) | 7.4736% | 772 |
| Cash dividends to net income (ytd only)* | 5.7883% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0009% | 518 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 73.2812% | 2,079 |
| Net loans and leases to deposits | 82.5628% | 2,707 |
| Net loans and leases to core deposits | 87.8941% | 2,727 |
| Total domestic deposits to total assets | 88.7581% | 1,034 |
| Equity capital to assets | 9.8497% | 3,771 |
| Core capital (leverage) ratio | 9.9551% | 3,625 |
| Tier 1 risk-based capital ratio | 12.0526% | 4,461 |
| Total risk-based capital ratio | 13.3102% | 4,332 |
| Memoranda: | ||
| Average total assets | $636,884,670 | 1,144 |
| Average earning assets | $606,872,000 | 1,106 |
| Average equity | $59,922,670 | 1,325 |
| Average total loans | $467,400,670 | 1,118 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6427% | 1,457 |
| Cost of funding earning assets | 0.1912% | 5,071 |
| Net interest margin | 4.4515% | 682 |
| Noninterest income to average assets | 0.5476% | 2,529 |
| Noninterest expense to average assets | 2.4419% | 3,834 |
| Loan and lease loss provision to assets | 0.1173% | 1,611 |
| Net operating income to assets | 1.5876% | 884 |
| Return on assets (ROA) | 1.5876% | 885 |
| Pretax return on assets | 2.2387% | 352 |
| Return on Equity (ROE) | 17.2769% | 486 |
| Retained earnings to average equity (ytd only) | 16.4509% | 223 |
| Net charge-offs to loans | -0.0587% | 5,038 |
| Credit loss provision to net charge-offs | -275.0000% | 3,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8955% | 5,029 |
| Assets per employee ($millions) | 7.3345% | 838 |
| Cash dividends to net income (ytd only)* | 4.7807% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9844% | 563 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 71.6353% | 2,233 |
| Net loans and leases to deposits | 80.2258% | 2,786 |
| Net loans and leases to core deposits | 88.3000% | 2,605 |
| Total domestic deposits to total assets | 89.2921% | 965 |
| Equity capital to assets | 9.2831% | 4,281 |
| Core capital (leverage) ratio | 9.4718% | 4,097 |
| Tier 1 risk-based capital ratio | 11.6137% | 4,794 |
| Total risk-based capital ratio | 12.8710% | 4,687 |
| Memoranda: | ||
| Average total assets | $637,698,500 | 1,151 |
| Average earning assets | $608,871,500 | 1,118 |
| Average equity | $58,598,500 | 1,358 |
| Average total loans | $463,586,500 | 1,130 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5352% | 1,598 |
| Cost of funding earning assets | 0.1362% | 5,334 |
| Net interest margin | 4.3990% | 771 |
| Noninterest income to average assets | 0.4801% | 3,122 |
| Noninterest expense to average assets | 2.3138% | 4,289 |
| Loan and lease loss provision to assets | 0.1499% | 1,509 |
| Net operating income to assets | 1.1092% | 1,830 |
| Return on assets (ROA) | 1.1092% | 1,852 |
| Pretax return on assets | 2.2055% | 313 |
| Return on Equity (ROE) | 12.4297% | 1,097 |
| Retained earnings to average equity (ytd only) | 11.6002% | 201 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5553% | 5,242 |
| Assets per employee ($millions) | 6.9996% | 968 |
| Cash dividends to net income (ytd only)* | 6.6736% | 4,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9993% | 544 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 70.8529% | 2,386 |
| Net loans and leases to deposits | 79.3283% | 2,992 |
| Net loans and leases to core deposits | 86.2962% | 2,889 |
| Total domestic deposits to total assets | 89.3161% | 861 |
| Equity capital to assets | 9.0927% | 4,624 |
| Core capital (leverage) ratio | 9.1484% | 4,462 |
| Tier 1 risk-based capital ratio | 11.6103% | 4,785 |
| Total risk-based capital ratio | 12.8677% | 4,667 |
| Memoranda: | ||
| Average total assets | $609,249,200 | 1,179 |
| Average earning assets | $580,176,400 | 1,146 |
| Average equity | $54,369,600 | 1,420 |
| Average total loans | $436,052,600 | 1,154 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4717% | 1,721 |
| Cost of funding earning assets | 0.1306% | 5,424 |
| Net interest margin | 4.3411% | 835 |
| Noninterest income to average assets | 0.5536% | 2,711 |
| Noninterest expense to average assets | 2.3663% | 4,100 |
| Loan and lease loss provision to assets | 0.1600% | 1,286 |
| Net operating income to assets | 1.3051% | 1,312 |
| Return on assets (ROA) | 1.3051% | 1,352 |
| Pretax return on assets | 2.1591% | 400 |
| Return on Equity (ROE) | 14.6971% | 702 |
| Retained earnings to average equity (ytd only) | 13.8794% | 163 |
| Net charge-offs to loans | -0.0049% | 4,458 |
| Credit loss provision to net charge-offs | -4,531.2500% | 5,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5041% | 5,213 |
| Assets per employee ($millions) | 6.8203% | 1,021 |
| Cash dividends to net income (ytd only)* | 5.5641% | 3,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9830% | 590 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 69.6196% | 2,614 |
| Net loans and leases to deposits | 77.6457% | 3,203 |
| Net loans and leases to core deposits | 83.7880% | 3,144 |
| Total domestic deposits to total assets | 89.6632% | 596 |
| Equity capital to assets | 8.9261% | 4,976 |
| Core capital (leverage) ratio | 9.1564% | 4,558 |
| Tier 1 risk-based capital ratio | 11.5952% | 4,887 |
| Total risk-based capital ratio | 12.8525% | 4,769 |
| Memoranda: | ||
| Average total assets | $604,070,500 | 1,197 |
| Average earning assets | $574,948,750 | 1,164 |
| Average equity | $53,641,750 | 1,443 |
| Average total loans | $431,202,250 | 1,170 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4551% | 1,647 |
| Cost of funding earning assets | 0.1246% | 5,481 |
| Net interest margin | 4.3305% | 803 |
| Noninterest income to average assets | 0.5387% | 2,770 |
| Noninterest expense to average assets | 2.3805% | 4,112 |
| Loan and lease loss provision to assets | 0.1643% | 1,212 |
| Net operating income to assets | 1.2805% | 1,354 |
| Return on assets (ROA) | 1.2805% | 1,379 |
| Pretax return on assets | 2.1138% | 428 |
| Return on Equity (ROE) | 14.4463% | 746 |
| Retained earnings to average equity (ytd only) | 13.6144% | 211 |
| Net charge-offs to loans | -0.0052% | 4,347 |
| Credit loss provision to net charge-offs | -4,436.3636% | 5,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0986% | 5,235 |
| Assets per employee ($millions) | 6.9301% | 963 |
| Cash dividends to net income (ytd only)* | 5.7586% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0042% | 596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 71.3110% | 2,315 |
| Net loans and leases to deposits | 79.7607% | 2,938 |
| Net loans and leases to core deposits | 86.6667% | 2,819 |
| Total domestic deposits to total assets | 89.4061% | 757 |
| Equity capital to assets | 9.1583% | 4,752 |
| Core capital (leverage) ratio | 9.2560% | 4,425 |
| Tier 1 risk-based capital ratio | 11.5904% | 4,895 |
| Total risk-based capital ratio | 12.8480% | 4,779 |
| Memoranda: | ||
| Average total assets | $593,998,330 | 1,213 |
| Average earning assets | $565,110,000 | 1,182 |
| Average equity | $52,650,000 | 1,472 |
| Average total loans | $424,762,330 | 1,186 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3858% | 1,689 |
| Cost of funding earning assets | 0.1211% | 5,554 |
| Net interest margin | 4.2647% | 859 |
| Noninterest income to average assets | 0.5511% | 2,658 |
| Noninterest expense to average assets | 2.3298% | 4,323 |
| Loan and lease loss provision to assets | 0.2024% | 813 |
| Net operating income to assets | 1.2647% | 1,336 |
| Return on assets (ROA) | 1.2647% | 1,373 |
| Pretax return on assets | 2.0816% | 428 |
| Return on Equity (ROE) | 14.5113% | 723 |
| Retained earnings to average equity (ytd only) | 13.6599% | 320 |
| Net charge-offs to loans | -0.0038% | 4,109 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4971% | 5,348 |
| Assets per employee ($millions) | 6.9509% | 971 |
| Cash dividends to net income (ytd only)* | 5.8667% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0059% | 660 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 69.4417% | 2,470 |
| Net loans and leases to deposits | 77.2635% | 3,051 |
| Net loans and leases to core deposits | 83.3437% | 2,960 |
| Total domestic deposits to total assets | 89.8765% | 715 |
| Equity capital to assets | 8.8080% | 4,993 |
| Core capital (leverage) ratio | 8.9563% | 4,787 |
| Tier 1 risk-based capital ratio | 11.5051% | 5,023 |
| Total risk-based capital ratio | 12.7629% | 4,924 |
| Memoranda: | ||
| Average total assets | $593,004,000 | 1,216 |
| Average earning assets | $564,910,500 | 1,187 |
| Average equity | $51,684,000 | 1,497 |
| Average total loans | $420,295,500 | 1,198 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2452% | 2,329 |
| Cost of funding earning assets | 0.1078% | 5,667 |
| Net interest margin | 4.1373% | 1,279 |
| Noninterest income to average assets | 0.5998% | 2,665 |
| Noninterest expense to average assets | 2.4675% | 4,112 |
| Loan and lease loss provision to assets | 0.1419% | 1,760 |
| Net operating income to assets | 1.1689% | 1,610 |
| Return on assets (ROA) | 1.1748% | 1,688 |
| Pretax return on assets | 1.9372% | 577 |
| Return on Equity (ROE) | 13.6708% | 828 |
| Retained earnings to average equity (ytd only) | 12.7525% | 181 |
| Net charge-offs to loans | -0.0122% | 4,991 |
| Credit loss provision to net charge-offs | -1,668.0851% | 5,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3819% | 5,212 |
| Assets per employee ($millions) | 7.0028% | 922 |
| Cash dividends to net income (ytd only)* | 6.7170% | 4,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9648% | 705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 69.4955% | 2,554 |
| Net loans and leases to deposits | 77.2315% | 3,186 |
| Net loans and leases to core deposits | 82.5932% | 3,163 |
| Total domestic deposits to total assets | 89.9834% | 636 |
| Equity capital to assets | 8.6218% | 5,174 |
| Core capital (leverage) ratio | 8.6746% | 5,104 |
| Tier 1 risk-based capital ratio | 11.6280% | 4,970 |
| Total risk-based capital ratio | 12.8858% | 4,870 |
| Memoranda: | ||
| Average total assets | $552,503,800 | 1,255 |
| Average earning assets | $525,823,400 | 1,218 |
| Average equity | $47,480,800 | 1,592 |
| Average total loans | $385,277,600 | 1,237 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2689% | 2,262 |
| Cost of funding earning assets | 0.1081% | 5,729 |
| Net interest margin | 4.1608% | 1,226 |
| Noninterest income to average assets | 0.5983% | 2,671 |
| Noninterest expense to average assets | 2.5490% | 3,832 |
| Loan and lease loss provision to assets | 0.1381% | 1,702 |
| Net operating income to assets | 1.1340% | 1,865 |
| Return on assets (ROA) | 1.1420% | 1,949 |
| Pretax return on assets | 1.8801% | 744 |
| Return on Equity (ROE) | 13.3010% | 971 |
| Retained earnings to average equity (ytd only) | 12.3669% | 263 |
| Net charge-offs to loans | -0.0155% | 4,923 |
| Credit loss provision to net charge-offs | -1,279.5455% | 5,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9642% | 5,069 |
| Assets per employee ($millions) | 6.8838% | 933 |
| Cash dividends to net income (ytd only)* | 7.0232% | 3,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0644% | 645 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 65.3796% | 3,221 |
| Net loans and leases to deposits | 72.5286% | 3,752 |
| Net loans and leases to core deposits | 78.1809% | 3,649 |
| Total domestic deposits to total assets | 90.1432% | 433 |
| Equity capital to assets | 8.4882% | 5,537 |
| Core capital (leverage) ratio | 8.5524% | 5,314 |
| Tier 1 risk-based capital ratio | 11.9352% | 4,830 |
| Total risk-based capital ratio | 13.1940% | 4,714 |
| Memoranda: | ||
| Average total assets | $543,571,750 | 1,274 |
| Average earning assets | $516,876,250 | 1,241 |
| Average equity | $46,672,000 | 1,624 |
| Average total loans | $377,350,000 | 1,250 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3499% | 1,984 |
| Cost of funding earning assets | 0.1094% | 5,812 |
| Net interest margin | 4.2404% | 1,035 |
| Noninterest income to average assets | 0.6338% | 2,447 |
| Noninterest expense to average assets | 2.6405% | 3,572 |
| Loan and lease loss provision to assets | 0.1410% | 1,612 |
| Net operating income to assets | 1.1376% | 1,817 |
| Return on assets (ROA) | 1.1376% | 1,932 |
| Pretax return on assets | 1.8872% | 718 |
| Return on Equity (ROE) | 13.1942% | 981 |
| Retained earnings to average equity (ytd only) | 12.2437% | 294 |
| Net charge-offs to loans | 0.0064% | 3,464 |
| Credit loss provision to net charge-offs | 3,125.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 449.5833% | 155 |
| Efficiency ratio | 56.5585% | 5,073 |
| Assets per employee ($millions) | 6.7232% | 990 |
| Cash dividends to net income (ytd only)* | 7.2042% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9982% | 739 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 67.8941% | 2,791 |
| Net loans and leases to deposits | 75.3370% | 3,451 |
| Net loans and leases to core deposits | 82.6180% | 3,217 |
| Total domestic deposits to total assets | 90.1206% | 439 |
| Equity capital to assets | 8.5116% | 5,590 |
| Core capital (leverage) ratio | 8.8736% | 4,970 |
| Tier 1 risk-based capital ratio | 11.8722% | 4,928 |
| Total risk-based capital ratio | 13.1309% | 4,806 |
| Memoranda: | ||
| Average total assets | $532,015,670 | 1,309 |
| Average earning assets | $506,222,330 | 1,270 |
| Average equity | $45,868,670 | 1,657 |
| Average total loans | $374,460,000 | 1,262 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4970% | 1,514 |
| Cost of funding earning assets | 0.1110% | 5,863 |
| Net interest margin | 4.3860% | 763 |
| Noninterest income to average assets | 0.6150% | 2,443 |
| Noninterest expense to average assets | 2.7082% | 3,383 |
| Loan and lease loss provision to assets | 0.1449% | 1,457 |
| Net operating income to assets | 1.1560% | 1,687 |
| Return on assets (ROA) | 1.1560% | 1,806 |
| Pretax return on assets | 1.9352% | 647 |
| Return on Equity (ROE) | 13.3172% | 966 |
| Retained earnings to average equity (ytd only) | 12.3495% | 456 |
| Net charge-offs to loans | 0.0152% | 2,630 |
| Credit loss provision to net charge-offs | 1,342.8571% | 308 |
| Earnings coverage of net charge-offs (x) | 192.7857% | 313 |
| Efficiency ratio | 56.5588% | 5,141 |
| Assets per employee ($millions) | 6.3985% | 1,165 |
| Cash dividends to net income (ytd only)* | 7.2667% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9987% | 822 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 70.4258% | 2,279 |
| Net loans and leases to deposits | 78.2856% | 2,972 |
| Net loans and leases to core deposits | 85.2815% | 2,817 |
| Total domestic deposits to total assets | 89.9602% | 614 |
| Equity capital to assets | 8.7699% | 5,365 |
| Core capital (leverage) ratio | 8.8380% | 5,037 |
| Tier 1 risk-based capital ratio | 12.1645% | 4,802 |
| Total risk-based capital ratio | 13.4239% | 4,700 |
| Memoranda: | ||
| Average total assets | $519,009,000 | 1,335 |
| Average earning assets | $493,843,500 | 1,294 |
| Average equity | $45,054,500 | 1,673 |
| Average total loans | $368,393,000 | 1,274 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2575% | 2,360 |
| Cost of funding earning assets | 0.0978% | 5,971 |
| Net interest margin | 4.1597% | 1,259 |
| Noninterest income to average assets | 0.5731% | 2,880 |
| Noninterest expense to average assets | 2.5275% | 4,138 |
| Loan and lease loss provision to assets | 0.1861% | 1,201 |
| Net operating income to assets | 1.0991% | 1,933 |
| Return on assets (ROA) | 1.0992% | 2,002 |
| Pretax return on assets | 1.7985% | 811 |
| Return on Equity (ROE) | 13.1539% | 1,020 |
| Retained earnings to average equity (ytd only) | 12.1155% | 244 |
| Net charge-offs to loans | -0.0130% | 5,168 |
| Credit loss provision to net charge-offs | -2,090.9091% | 5,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0188% | 5,343 |
| Assets per employee ($millions) | 6.1848% | 1,270 |
| Cash dividends to net income (ytd only)* | 7.8947% | 4,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0465% | 747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 68.6444% | 2,601 |
| Net loans and leases to deposits | 76.3986% | 3,206 |
| Net loans and leases to core deposits | 81.6215% | 3,190 |
| Total domestic deposits to total assets | 89.8503% | 696 |
| Equity capital to assets | 8.5899% | 5,485 |
| Core capital (leverage) ratio | 8.4209% | 5,503 |
| Tier 1 risk-based capital ratio | 12.3529% | 4,728 |
| Total risk-based capital ratio | 13.6131% | 4,615 |
| Memoranda: | ||
| Average total assets | $494,365,400 | 1,363 |
| Average earning assets | $468,114,600 | 1,323 |
| Average equity | $41,310,800 | 1,749 |
| Average total loans | $338,112,200 | 1,322 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2637% | 2,353 |
| Cost of funding earning assets | 0.0982% | 6,065 |
| Net interest margin | 4.1655% | 1,241 |
| Noninterest income to average assets | 0.6329% | 2,569 |
| Noninterest expense to average assets | 2.6294% | 3,772 |
| Loan and lease loss provision to assets | 0.1533% | 1,419 |
| Net operating income to assets | 1.0838% | 2,079 |
| Return on assets (ROA) | 1.0838% | 2,166 |
| Pretax return on assets | 1.7907% | 918 |
| Return on Equity (ROE) | 13.0655% | 1,108 |
| Retained earnings to average equity (ytd only) | 12.0117% | 367 |
| Net charge-offs to loans | -0.0172% | 5,150 |
| Credit loss provision to net charge-offs | -1,309.3023% | 5,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4933% | 5,180 |
| Assets per employee ($millions) | 6.2341% | 1,214 |
| Cash dividends to net income (ytd only)* | 8.0653% | 3,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0315% | 875 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 64.5014% | 3,229 |
| Net loans and leases to deposits | 71.2754% | 3,845 |
| Net loans and leases to core deposits | 75.6563% | 3,832 |
| Total domestic deposits to total assets | 90.4960% | 386 |
| Equity capital to assets | 8.1334% | 5,909 |
| Core capital (leverage) ratio | 8.2281% | 5,754 |
| Tier 1 risk-based capital ratio | 12.1182% | 5,014 |
| Total risk-based capital ratio | 13.3770% | 4,918 |
| Memoranda: | ||
| Average total assets | $489,622,500 | 1,379 |
| Average earning assets | $463,188,250 | 1,341 |
| Average equity | $40,614,750 | 1,794 |
| Average total loans | $332,705,500 | 1,348 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3165% | 2,118 |
| Cost of funding earning assets | 0.0996% | 6,137 |
| Net interest margin | 4.2169% | 1,076 |
| Noninterest income to average assets | 0.8192% | 1,703 |
| Noninterest expense to average assets | 2.8502% | 3,063 |
| Loan and lease loss provision to assets | 0.1568% | 1,360 |
| Net operating income to assets | 1.0877% | 1,989 |
| Return on assets (ROA) | 1.0877% | 2,090 |
| Pretax return on assets | 1.7969% | 900 |
| Return on Equity (ROE) | 13.0194% | 1,110 |
| Retained earnings to average equity (ytd only) | 11.9482% | 401 |
| Net charge-offs to loans | -0.0243% | 5,234 |
| Credit loss provision to net charge-offs | -937.5000% | 5,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3315% | 5,072 |
| Assets per employee ($millions) | 6.0300% | 1,326 |
| Cash dividends to net income (ytd only)* | 8.2276% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0128% | 968 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 66.2677% | 2,903 |
| Net loans and leases to deposits | 73.3062% | 3,576 |
| Net loans and leases to core deposits | 80.5944% | 3,322 |
| Total domestic deposits to total assets | 90.3985% | 497 |
| Equity capital to assets | 8.2371% | 5,861 |
| Core capital (leverage) ratio | 8.6126% | 5,426 |
| Tier 1 risk-based capital ratio | 11.8753% | 5,235 |
| Total risk-based capital ratio | 13.1344% | 5,125 |
| Memoranda: | ||
| Average total assets | $478,274,670 | 1,426 |
| Average earning assets | $451,942,330 | 1,385 |
| Average equity | $39,955,670 | 1,823 |
| Average total loans | $328,682,000 | 1,361 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2567% | 2,247 |
| Cost of funding earning assets | 0.1004% | 6,208 |
| Net interest margin | 4.1563% | 1,157 |
| Noninterest income to average assets | 0.7775% | 1,798 |
| Noninterest expense to average assets | 2.8170% | 3,188 |
| Loan and lease loss provision to assets | 0.1601% | 1,264 |
| Net operating income to assets | 1.0703% | 1,971 |
| Return on assets (ROA) | 1.0703% | 2,093 |
| Pretax return on assets | 1.7356% | 979 |
| Return on Equity (ROE) | 12.7160% | 1,158 |
| Retained earnings to average equity (ytd only) | 11.6275% | 627 |
| Net charge-offs to loans | 0.0309% | 2,569 |
| Credit loss provision to net charge-offs | 748.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 88.5600% | 540 |
| Efficiency ratio | 59.7747% | 5,121 |
| Assets per employee ($millions) | 6.0068% | 1,397 |
| Cash dividends to net income (ytd only)* | 8.5600% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9839% | 1,114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 68.2984% | 2,394 |
| Net loans and leases to deposits | 75.7031% | 3,087 |
| Net loans and leases to core deposits | 84.0960% | 2,758 |
| Total domestic deposits to total assets | 90.2188% | 642 |
| Equity capital to assets | 8.4318% | 5,783 |
| Core capital (leverage) ratio | 8.6814% | 5,342 |
| Tier 1 risk-based capital ratio | 11.7960% | 5,374 |
| Total risk-based capital ratio | 13.0547% | 5,265 |
| Memoranda: | ||
| Average total assets | $467,165,000 | 1,461 |
| Average earning assets | $442,311,500 | 1,421 |
| Average equity | $39,320,500 | 1,864 |
| Average total loans | $323,783,500 | 1,383 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3372% | 2,469 |
| Cost of funding earning assets | 0.1021% | 6,319 |
| Net interest margin | 4.2351% | 1,202 |
| Noninterest income to average assets | 0.7654% | 2,014 |
| Noninterest expense to average assets | 2.9270% | 3,058 |
| Loan and lease loss provision to assets | 0.1734% | 1,496 |
| Net operating income to assets | 1.0105% | 2,335 |
| Return on assets (ROA) | 1.0105% | 2,416 |
| Pretax return on assets | 1.6541% | 1,090 |
| Return on Equity (ROE) | 12.1853% | 1,360 |
| Retained earnings to average equity (ytd only) | 10.9977% | 381 |
| Net charge-offs to loans | 0.0201% | 4,444 |
| Credit loss provision to net charge-offs | 1,293.1034% | 224 |
| Earnings coverage of net charge-offs (x) | 136.2931% | 391 |
| Efficiency ratio | 61.5628% | 4,978 |
| Assets per employee ($millions) | 5.8202% | 1,511 |
| Cash dividends to net income (ytd only)* | 9.7461% | 4,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0189% | 1,073 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 67.5321% | 2,636 |
| Net loans and leases to deposits | 75.0047% | 3,311 |
| Net loans and leases to core deposits | 79.1973% | 3,388 |
| Total domestic deposits to total assets | 90.0371% | 717 |
| Equity capital to assets | 8.4014% | 5,826 |
| Core capital (leverage) ratio | 8.3937% | 5,669 |
| Tier 1 risk-based capital ratio | 11.8247% | 5,475 |
| Total risk-based capital ratio | 13.0822% | 5,383 |
| Memoranda: | ||
| Average total assets | $432,557,000 | 1,540 |
| Average earning assets | $407,430,600 | 1,503 |
| Average equity | $35,871,000 | 1,954 |
| Average total loans | $289,159,400 | 1,478 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3704% | 2,344 |
| Cost of funding earning assets | 0.1029% | 6,406 |
| Net interest margin | 4.2675% | 1,117 |
| Noninterest income to average assets | 0.8233% | 1,805 |
| Noninterest expense to average assets | 3.0819% | 2,520 |
| Loan and lease loss provision to assets | 0.1760% | 1,396 |
| Net operating income to assets | 0.9696% | 2,598 |
| Return on assets (ROA) | 0.9696% | 2,664 |
| Pretax return on assets | 1.5787% | 1,396 |
| Return on Equity (ROE) | 11.7332% | 1,548 |
| Retained earnings to average equity (ytd only) | 10.5242% | 587 |
| Net charge-offs to loans | 0.0260% | 3,984 |
| Credit loss provision to net charge-offs | 1,021.8182% | 320 |
| Earnings coverage of net charge-offs (x) | 101.8748% | 581 |
| Efficiency ratio | 63.7205% | 4,594 |
| Assets per employee ($millions) | 5.8610% | 1,442 |
| Cash dividends to net income (ytd only)* | 10.3035% | 3,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0873% | 1,107 |
| Loan loss allowance to noncurrent loans | 15,930.7692% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 5,940 |
| Noncurrent loans to loans | 0.0131% | 5,980 |
| Net loans and leases to total assets | 63.7500% | 3,219 |
| Net loans and leases to deposits | 70.4076% | 3,875 |
| Net loans and leases to core deposits | 73.4410% | 4,000 |
| Total domestic deposits to total assets | 90.5442% | 508 |
| Equity capital to assets | 8.1259% | 6,063 |
| Core capital (leverage) ratio | 8.2588% | 5,877 |
| Tier 1 risk-based capital ratio | 11.9935% | 5,488 |
| Total risk-based capital ratio | 13.2528% | 5,401 |
| Memoranda: | ||
| Average total assets | $425,747,500 | 1,574 |
| Average earning assets | $400,377,000 | 1,538 |
| Average equity | $35,181,500 | 1,995 |
| Average total loans | $282,222,500 | 1,512 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4441% | 2,015 |
| Cost of funding earning assets | 0.1036% | 6,472 |
| Net interest margin | 4.3405% | 953 |
| Noninterest income to average assets | 0.8144% | 1,787 |
| Noninterest expense to average assets | 3.2340% | 2,089 |
| Loan and lease loss provision to assets | 0.1806% | 1,360 |
| Net operating income to assets | 0.9098% | 2,757 |
| Return on assets (ROA) | 0.9098% | 2,857 |
| Pretax return on assets | 1.4766% | 1,614 |
| Return on Equity (ROE) | 10.9425% | 1,757 |
| Retained earnings to average equity (ytd only) | 9.7086% | 790 |
| Net charge-offs to loans | 0.0404% | 3,423 |
| Credit loss provision to net charge-offs | 669.6429% | 464 |
| Earnings coverage of net charge-offs (x) | 61.4464% | 793 |
| Efficiency ratio | 66.1186% | 4,351 |
| Assets per employee ($millions) | 5.6409% | 1,571 |
| Cash dividends to net income (ytd only)* | 11.2758% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0507% | 1,274 |
| Loan loss allowance to noncurrent loans | 15,062.5000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0545% | 6,022 |
| Noncurrent loans to loans | 0.0136% | 6,043 |
| Net loans and leases to total assets | 65.4041% | 2,849 |
| Net loans and leases to deposits | 72.2376% | 3,543 |
| Net loans and leases to core deposits | 76.3105% | 3,599 |
| Total domestic deposits to total assets | 90.5403% | 569 |
| Equity capital to assets | 8.1524% | 6,062 |
| Core capital (leverage) ratio | 8.6225% | 5,508 |
| Tier 1 risk-based capital ratio | 11.5389% | 5,777 |
| Total risk-based capital ratio | 12.7973% | 5,727 |
| Memoranda: | ||
| Average total assets | $415,277,330 | 1,606 |
| Average earning assets | $390,046,670 | 1,575 |
| Average equity | $34,526,000 | 2,016 |
| Average total loans | $277,079,670 | 1,542 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4509% | 1,959 |
| Cost of funding earning assets | 0.1056% | 6,547 |
| Net interest margin | 4.3453% | 907 |
| Noninterest income to average assets | 0.9044% | 1,379 |
| Noninterest expense to average assets | 3.4071% | 1,687 |
| Loan and lease loss provision to assets | 0.1856% | 1,285 |
| Net operating income to assets | 0.8627% | 2,839 |
| Return on assets (ROA) | 0.8627% | 2,901 |
| Pretax return on assets | 1.3948% | 1,762 |
| Return on Equity (ROE) | 10.2676% | 1,946 |
| Retained earnings to average equity (ytd only) | 9.0152% | 1,247 |
| Net charge-offs to loans | 0.0982% | 2,184 |
| Credit loss provision to net charge-offs | 283.3333% | 828 |
| Earnings coverage of net charge-offs (x) | 24.1212% | 1,190 |
| Efficiency ratio | 68.3121% | 4,130 |
| Assets per employee ($millions) | 5.2213% | 1,988 |
| Cash dividends to net income (ytd only)* | 12.1979% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0904% | 1,343 |
| Loan loss allowance to noncurrent loans | 6,474.4444% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.1102% | 5,924 |
| Noncurrent loans to loans | 0.0323% | 6,053 |
| Net loans and leases to total assets | 67.0144% | 2,393 |
| Net loans and leases to deposits | 74.5095% | 3,005 |
| Net loans and leases to core deposits | 78.7248% | 3,120 |
| Total domestic deposits to total assets | 89.9406% | 1,103 |
| Equity capital to assets | 8.5773% | 5,572 |
| Core capital (leverage) ratio | 8.6997% | 5,379 |
| Tier 1 risk-based capital ratio | 11.6995% | 5,814 |
| Total risk-based capital ratio | 12.9583% | 5,752 |
| Memoranda: | ||
| Average total assets | $402,920,000 | 1,658 |
| Average earning assets | $378,617,000 | 1,623 |
| Average equity | $33,854,000 | 2,042 |
| Average total loans | $268,720,500 | 1,587 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2639% | 3,097 |
| Cost of funding earning assets | 0.1169% | 6,637 |
| Net interest margin | 4.1471% | 1,516 |
| Noninterest income to average assets | 0.8654% | 1,802 |
| Noninterest expense to average assets | 3.2756% | 2,204 |
| Loan and lease loss provision to assets | 0.1280% | 2,707 |
| Net operating income to assets | 0.8633% | 2,956 |
| Return on assets (ROA) | 0.8688% | 3,012 |
| Pretax return on assets | 1.3244% | 2,058 |
| Return on Equity (ROE) | 10.6475% | 1,879 |
| Retained earnings to average equity (ytd only) | 9.6959% | 622 |
| Net charge-offs to loans | -0.0712% | 6,409 |
| Credit loss provision to net charge-offs | -287.0588% | 6,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4031% | 3,938 |
| Assets per employee ($millions) | 5.2444% | 1,907 |
| Cash dividends to net income (ytd only)* | 8.9372% | 4,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2057% | 1,170 |
| Loan loss allowance to noncurrent loans | 1,876.9737% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 5,815 |
| Noncurrent loans to loans | 0.1175% | 5,850 |
| Net loans and leases to total assets | 63.4716% | 3,135 |
| Net loans and leases to deposits | 70.2265% | 3,759 |
| Net loans and leases to core deposits | 73.9817% | 3,840 |
| Total domestic deposits to total assets | 90.3813% | 886 |
| Equity capital to assets | 8.2232% | 5,851 |
| Core capital (leverage) ratio | 8.2059% | 5,970 |
| Tier 1 risk-based capital ratio | 11.7578% | 5,770 |
| Total risk-based capital ratio | 13.0178% | 5,694 |
| Memoranda: | ||
| Average total assets | $381,218,400 | 1,722 |
| Average earning assets | $354,296,800 | 1,695 |
| Average equity | $31,105,800 | 2,183 |
| Average total loans | $238,839,400 | 1,737 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2489% | 3,208 |
| Cost of funding earning assets | 0.1202% | 6,723 |
| Net interest margin | 4.1286% | 1,545 |
| Noninterest income to average assets | 0.8328% | 1,999 |
| Noninterest expense to average assets | 3.1472% | 2,510 |
| Loan and lease loss provision to assets | 0.1281% | 2,683 |
| Net operating income to assets | 0.8609% | 3,043 |
| Return on assets (ROA) | 0.8682% | 3,115 |
| Pretax return on assets | 1.3953% | 1,947 |
| Return on Equity (ROE) | 10.6618% | 1,933 |
| Retained earnings to average equity (ytd only) | 9.8102% | 829 |
| Net charge-offs to loans | -0.0416% | 6,256 |
| Credit loss provision to net charge-offs | -495.8904% | 6,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5475% | 4,182 |
| Assets per employee ($millions) | 5.4473% | 1,681 |
| Cash dividends to net income (ytd only)* | 7.9871% | 3,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2796% | 1,213 |
| Loan loss allowance to noncurrent loans | 3,973.9130% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.8591% | 3,969 |
| Noncurrent loans to loans | 0.0574% | 6,173 |
| Net loans and leases to total assets | 58.3199% | 3,960 |
| Net loans and leases to deposits | 64.2168% | 4,497 |
| Net loans and leases to core deposits | 67.6561% | 4,557 |
| Total domestic deposits to total assets | 90.8172% | 607 |
| Equity capital to assets | 7.8385% | 6,237 |
| Core capital (leverage) ratio | 8.1533% | 6,105 |
| Tier 1 risk-based capital ratio | 11.9009% | 5,835 |
| Total risk-based capital ratio | 13.1610% | 5,774 |
| Memoranda: | ||
| Average total assets | $376,878,500 | 1,747 |
| Average earning assets | $349,291,250 | 1,728 |
| Average equity | $30,688,250 | 2,237 |
| Average total loans | $233,876,750 | 1,762 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2856% | 3,013 |
| Cost of funding earning assets | 0.1255% | 6,768 |
| Net interest margin | 4.1601% | 1,379 |
| Noninterest income to average assets | 0.8758% | 1,907 |
| Noninterest expense to average assets | 3.1651% | 2,462 |
| Loan and lease loss provision to assets | 0.1630% | 2,290 |
| Net operating income to assets | 0.8712% | 2,947 |
| Return on assets (ROA) | 0.8823% | 3,039 |
| Pretax return on assets | 1.4185% | 1,864 |
| Return on Equity (ROE) | 10.6894% | 1,931 |
| Retained earnings to average equity (ytd only) | 10.0443% | 833 |
| Net charge-offs to loans | -0.0699% | 6,382 |
| Credit loss provision to net charge-offs | -370.3704% | 5,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9271% | 4,376 |
| Assets per employee ($millions) | 5.1507% | 1,932 |
| Cash dividends to net income (ytd only)* | 6.0345% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2784% | 1,290 |
| Loan loss allowance to noncurrent loans | 3,906.4748% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.9088% | 3,970 |
| Noncurrent loans to loans | 0.0583% | 6,214 |
| Net loans and leases to total assets | 61.1016% | 3,464 |
| Net loans and leases to deposits | 67.5179% | 4,076 |
| Net loans and leases to core deposits | 71.5600% | 4,102 |
| Total domestic deposits to total assets | 90.4970% | 757 |
| Equity capital to assets | 8.0611% | 6,159 |
| Core capital (leverage) ratio | 8.5696% | 5,586 |
| Tier 1 risk-based capital ratio | 11.5931% | 6,060 |
| Total risk-based capital ratio | 12.8526% | 6,010 |
| Memoranda: | ||
| Average total assets | $368,137,670 | 1,779 |
| Average earning assets | $341,002,330 | 1,759 |
| Average equity | $30,385,330 | 2,255 |
| Average total loans | $231,645,000 | 1,776 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2850% | 2,949 |
| Cost of funding earning assets | 0.1291% | 6,840 |
| Net interest margin | 4.1558% | 1,311 |
| Noninterest income to average assets | 0.8727% | 1,856 |
| Noninterest expense to average assets | 3.1634% | 2,471 |
| Loan and lease loss provision to assets | 0.1659% | 2,204 |
| Net operating income to assets | 0.8611% | 2,861 |
| Return on assets (ROA) | 0.8838% | 2,874 |
| Pretax return on assets | 1.4236% | 1,790 |
| Return on Equity (ROE) | 10.5774% | 1,848 |
| Retained earnings to average equity (ytd only) | 10.5774% | 969 |
| Net charge-offs to loans | -0.1629% | 6,629 |
| Credit loss provision to net charge-offs | -161.2903% | 5,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0574% | 4,482 |
| Assets per employee ($millions) | 5.2416% | 1,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2935% | 1,419 |
| Loan loss allowance to noncurrent loans | 3,807.1942% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.9441% | 4,040 |
| Noncurrent loans to loans | 0.0602% | 6,296 |
| Net loans and leases to total assets | 61.4444% | 3,183 |
| Net loans and leases to deposits | 67.9758% | 3,780 |
| Net loans and leases to core deposits | 72.5713% | 3,752 |
| Total domestic deposits to total assets | 90.3916% | 820 |
| Equity capital to assets | 8.3348% | 6,165 |
| Core capital (leverage) ratio | 8.5937% | 5,451 |
| Tier 1 risk-based capital ratio | 11.8385% | 6,005 |
| Total risk-based capital ratio | 13.0987% | 5,975 |
| Memoranda: | ||
| Average total assets | $361,630,500 | 1,830 |
| Average earning assets | $334,565,000 | 1,813 |
| Average equity | $30,215,500 | 2,278 |
| Average total loans | $228,307,500 | 1,811 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4223% | 3,724 |
| Cost of funding earning assets | 0.1479% | 6,922 |
| Net interest margin | 4.2744% | 1,461 |
| Noninterest income to average assets | 0.8431% | 2,070 |
| Noninterest expense to average assets | 3.1355% | 2,827 |
| Loan and lease loss provision to assets | 0.2931% | 2,332 |
| Net operating income to assets | 0.8371% | 3,110 |
| Return on assets (ROA) | 0.8375% | 3,363 |
| Pretax return on assets | 1.3432% | 2,237 |
| Return on Equity (ROE) | 10.1434% | 2,110 |
| Retained earnings to average equity (ytd only) | 10.1434% | 570 |
| Net charge-offs to loans | 0.1216% | 4,471 |
| Credit loss provision to net charge-offs | 397.6000% | 610 |
| Earnings coverage of net charge-offs (x) | 22.1880% | 1,273 |
| Efficiency ratio | 65.7169% | 4,557 |
| Assets per employee ($millions) | 5.0907% | 2,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2353% | 1,491 |
| Loan loss allowance to noncurrent loans | 2,195.2174% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.9530% | 4,122 |
| Noncurrent loans to loans | 0.1018% | 6,233 |
| Net loans and leases to total assets | 61.9693% | 3,257 |
| Net loans and leases to deposits | 68.6679% | 3,877 |
| Net loans and leases to core deposits | 73.4525% | 3,856 |
| Total domestic deposits to total assets | 90.2450% | 827 |
| Equity capital to assets | 8.3765% | 6,137 |
| Core capital (leverage) ratio | 8.3965% | 5,763 |
| Tier 1 risk-based capital ratio | 11.8911% | 5,851 |
| Total risk-based capital ratio | 13.1507% | 5,803 |
| Memoranda: | ||
| Average total assets | $339,121,800 | 1,909 |
| Average earning assets | $311,644,400 | 1,895 |
| Average equity | $27,998,400 | 2,394 |
| Average total loans | $205,595,400 | 1,960 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4353% | 3,900 |
| Cost of funding earning assets | 0.1527% | 7,032 |
| Net interest margin | 4.2826% | 1,526 |
| Noninterest income to average assets | 0.7495% | 2,489 |
| Noninterest expense to average assets | 3.1252% | 2,810 |
| Loan and lease loss provision to assets | 0.3162% | 2,090 |
| Net operating income to assets | 0.7923% | 3,491 |
| Return on assets (ROA) | 0.7929% | 3,730 |
| Pretax return on assets | 1.2405% | 2,822 |
| Return on Equity (ROE) | 9.6406% | 2,524 |
| Retained earnings to average equity (ytd only) | 9.6406% | 1,016 |
| Net charge-offs to loans | 0.1676% | 3,777 |
| Credit loss provision to net charge-offs | 315.0794% | 849 |
| Earnings coverage of net charge-offs (x) | 15.5040% | 1,754 |
| Efficiency ratio | 66.7631% | 4,295 |
| Assets per employee ($millions) | 5.2537% | 1,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3429% | 1,445 |
| Loan loss allowance to noncurrent loans | 2,098.2684% | 247 |
| Noncurrent assets plus other real estate owned to assets | 1.1170% | 4,060 |
| Noncurrent loans to loans | 0.1117% | 6,335 |
| Net loans and leases to total assets | 57.3961% | 4,218 |
| Net loans and leases to deposits | 63.2650% | 4,805 |
| Net loans and leases to core deposits | 67.4349% | 4,785 |
| Total domestic deposits to total assets | 90.7233% | 508 |
| Equity capital to assets | 8.2727% | 6,443 |
| Core capital (leverage) ratio | 8.3419% | 5,954 |
| Tier 1 risk-based capital ratio | 12.2139% | 5,826 |
| Total risk-based capital ratio | 13.4741% | 5,793 |
| Memoranda: | ||
| Average total assets | $334,814,250 | 1,947 |
| Average earning assets | $307,377,000 | 1,945 |
| Average equity | $27,535,500 | 2,453 |
| Average total loans | $200,524,750 | 2,021 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4764% | 3,866 |
| Cost of funding earning assets | 0.1592% | 7,098 |
| Net interest margin | 4.3172% | 1,436 |
| Noninterest income to average assets | 0.6673% | 2,847 |
| Noninterest expense to average assets | 3.1165% | 2,869 |
| Loan and lease loss provision to assets | 0.3646% | 1,810 |
| Net operating income to assets | 0.7328% | 3,693 |
| Return on assets (ROA) | 0.7335% | 3,959 |
| Pretax return on assets | 1.1596% | 3,085 |
| Return on Equity (ROE) | 8.9383% | 2,839 |
| Retained earnings to average equity (ytd only) | 8.9383% | 1,298 |
| Net charge-offs to loans | 0.3075% | 2,800 |
| Credit loss provision to net charge-offs | 196.7213% | 1,445 |
| Earnings coverage of net charge-offs (x) | 8.2164% | 2,338 |
| Efficiency ratio | 67.1732% | 4,295 |
| Assets per employee ($millions) | 5.0198% | 2,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2576% | 1,660 |
| Loan loss allowance to noncurrent loans | 1,991.3420% | 241 |
| Noncurrent assets plus other real estate owned to assets | 1.8781% | 2,932 |
| Noncurrent loans to loans | 0.1134% | 6,375 |
| Net loans and leases to total assets | 58.3449% | 4,105 |
| Net loans and leases to deposits | 64.2274% | 4,735 |
| Net loans and leases to core deposits | 70.9266% | 4,423 |
| Total domestic deposits to total assets | 90.8410% | 509 |
| Equity capital to assets | 8.1351% | 6,496 |
| Core capital (leverage) ratio | 8.4241% | 5,757 |
| Tier 1 risk-based capital ratio | 11.8744% | 6,009 |
| Total risk-based capital ratio | 13.1338% | 5,973 |
| Memoranda: | ||
| Average total assets | $329,085,330 | 1,973 |
| Average earning assets | $302,788,000 | 1,963 |
| Average equity | $27,007,330 | 2,484 |
| Average total loans | $198,405,670 | 2,040 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5236% | 3,823 |
| Cost of funding earning assets | 0.1626% | 7,163 |
| Net interest margin | 4.3610% | 1,311 |
| Noninterest income to average assets | 0.6527% | 2,914 |
| Noninterest expense to average assets | 3.1732% | 2,686 |
| Loan and lease loss provision to assets | 0.3716% | 1,699 |
| Net operating income to assets | 0.7097% | 3,838 |
| Return on assets (ROA) | 0.7097% | 4,059 |
| Pretax return on assets | 1.1283% | 3,204 |
| Return on Equity (ROE) | 8.6080% | 2,990 |
| Retained earnings to average equity (ytd only) | 8.6080% | 1,725 |
| Net charge-offs to loans | 0.3944% | 2,118 |
| Credit loss provision to net charge-offs | 155.4404% | 1,625 |
| Earnings coverage of net charge-offs (x) | 6.2746% | 2,237 |
| Efficiency ratio | 67.9035% | 4,192 |
| Assets per employee ($millions) | 4.9345% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2059% | 1,868 |
| Loan loss allowance to noncurrent loans | 140.7786% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 1.9627% | 2,959 |
| Noncurrent loans to loans | 1.5669% | 3,763 |
| Net loans and leases to total assets | 60.0578% | 3,658 |
| Net loans and leases to deposits | 66.2253% | 4,340 |
| Net loans and leases to core deposits | 73.5834% | 3,950 |
| Total domestic deposits to total assets | 90.6871% | 696 |
| Equity capital to assets | 8.2806% | 6,285 |
| Core capital (leverage) ratio | 8.4159% | 5,721 |
| Tier 1 risk-based capital ratio | 11.8816% | 6,036 |
| Total risk-based capital ratio | 13.1405% | 6,022 |
| Memoranda: | ||
| Average total assets | $322,954,000 | 2,015 |
| Average earning assets | $297,729,000 | 1,994 |
| Average equity | $26,626,500 | 2,510 |
| Average total loans | $195,729,000 | 2,073 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6167% | 4,606 |
| Cost of funding earning assets | 0.2085% | 7,229 |
| Net interest margin | 4.4082% | 1,380 |
| Noninterest income to average assets | 0.9281% | 1,581 |
| Noninterest expense to average assets | 3.4759% | 2,047 |
| Loan and lease loss provision to assets | 0.4712% | 2,245 |
| Net operating income to assets | 0.6434% | 3,772 |
| Return on assets (ROA) | 0.8106% | 3,162 |
| Pretax return on assets | 1.3133% | 2,078 |
| Return on Equity (ROE) | 9.7474% | 2,143 |
| Retained earnings to average equity (ytd only) | 9.7474% | 613 |
| Net charge-offs to loans | 0.3744% | 3,535 |
| Credit loss provision to net charge-offs | 212.0120% | 1,161 |
| Earnings coverage of net charge-offs (x) | 6.8529% | 2,436 |
| Efficiency ratio | 69.5307% | 4,054 |
| Assets per employee ($millions) | 5.0036% | 2,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2486% | 1,713 |
| Loan loss allowance to noncurrent loans | 109.6536% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 2.1416% | 2,797 |
| Noncurrent loans to loans | 2.0507% | 3,142 |
| Net loans and leases to total assets | 58.4411% | 4,291 |
| Net loans and leases to deposits | 64.9346% | 4,883 |
| Net loans and leases to core deposits | 72.2775% | 4,481 |
| Total domestic deposits to total assets | 90.0000% | 994 |
| Equity capital to assets | 8.2082% | 6,429 |
| Core capital (leverage) ratio | 8.3089% | 5,843 |
| Tier 1 risk-based capital ratio | 12.1211% | 5,746 |
| Total risk-based capital ratio | 13.3805% | 5,720 |
| Memoranda: | ||
| Average total assets | $299,636,200 | 2,137 |
| Average earning assets | $276,713,400 | 2,123 |
| Average equity | $24,919,400 | 2,593 |
| Average total loans | $177,894,800 | 2,280 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7221% | 4,349 |
| Cost of funding earning assets | 0.2193% | 7,309 |
| Net interest margin | 4.5028% | 1,145 |
| Noninterest income to average assets | 0.9023% | 1,639 |
| Noninterest expense to average assets | 3.5582% | 1,798 |
| Loan and lease loss provision to assets | 0.5035% | 1,964 |
| Net operating income to assets | 0.5828% | 4,162 |
| Return on assets (ROA) | 0.7946% | 3,353 |
| Pretax return on assets | 1.3270% | 2,194 |
| Return on Equity (ROE) | 9.5205% | 2,380 |
| Retained earnings to average equity (ytd only) | 9.5205% | 979 |
| Net charge-offs to loans | 0.5020% | 2,752 |
| Credit loss provision to net charge-offs | 169.2542% | 1,785 |
| Earnings coverage of net charge-offs (x) | 5.0411% | 2,890 |
| Efficiency ratio | 70.3518% | 3,894 |
| Assets per employee ($millions) | 4.9818% | 2,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2631% | 1,750 |
| Loan loss allowance to noncurrent loans | 119.8925% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 2.0009% | 3,139 |
| Noncurrent loans to loans | 1.8876% | 3,523 |
| Net loans and leases to total assets | 55.2345% | 4,965 |
| Net loans and leases to deposits | 60.8460% | 5,536 |
| Net loans and leases to core deposits | 67.2898% | 5,268 |
| Total domestic deposits to total assets | 90.7775% | 523 |
| Equity capital to assets | 8.1421% | 6,606 |
| Core capital (leverage) ratio | 8.2012% | 6,132 |
| Tier 1 risk-based capital ratio | 12.9223% | 5,155 |
| Total risk-based capital ratio | 14.1822% | 5,130 |
| Memoranda: | ||
| Average total assets | $294,487,750 | 2,175 |
| Average earning assets | $271,762,500 | 2,159 |
| Average equity | $24,578,000 | 2,622 |
| Average total loans | $174,505,750 | 2,329 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8154% | 4,031 |
| Cost of funding earning assets | 0.2270% | 7,390 |
| Net interest margin | 4.5883% | 927 |
| Noninterest income to average assets | 1.0520% | 1,187 |
| Noninterest expense to average assets | 3.6510% | 1,625 |
| Loan and lease loss provision to assets | 0.6124% | 1,564 |
| Net operating income to assets | 0.6294% | 3,912 |
| Return on assets (ROA) | 0.6867% | 3,736 |
| Pretax return on assets | 1.1158% | 2,789 |
| Return on Equity (ROE) | 8.1558% | 2,876 |
| Retained earnings to average equity (ytd only) | 8.1558% | 1,406 |
| Net charge-offs to loans | 0.7214% | 2,069 |
| Credit loss provision to net charge-offs | 140.8946% | 2,164 |
| Earnings coverage of net charge-offs (x) | 3.7700% | 3,057 |
| Efficiency ratio | 69.0207% | 4,328 |
| Assets per employee ($millions) | 4.9034% | 2,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2140% | 1,891 |
| Loan loss allowance to noncurrent loans | 7,947.9167% | 74 |
| Noncurrent assets plus other real estate owned to assets | 1.0565% | 4,776 |
| Noncurrent loans to loans | 0.0279% | 6,918 |
| Net loans and leases to total assets | 56.3341% | 4,937 |
| Net loans and leases to deposits | 62.2028% | 5,479 |
| Net loans and leases to core deposits | 71.1584% | 4,931 |
| Total domestic deposits to total assets | 90.5652% | 692 |
| Equity capital to assets | 8.3619% | 6,351 |
| Core capital (leverage) ratio | 8.7498% | 5,141 |
| Tier 1 risk-based capital ratio | 12.5793% | 5,267 |
| Total risk-based capital ratio | 13.8380% | 5,233 |
| Memoranda: | ||
| Average total assets | $288,033,330 | 2,227 |
| Average earning assets | $266,023,670 | 2,212 |
| Average equity | $24,252,670 | 2,633 |
| Average total loans | $173,551,670 | 2,368 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8567% | 3,786 |
| Cost of funding earning assets | 0.2373% | 7,453 |
| Net interest margin | 4.6193% | 833 |
| Noninterest income to average assets | 1.2489% | 813 |
| Noninterest expense to average assets | 3.6659% | 1,612 |
| Loan and lease loss provision to assets | 0.8241% | 1,011 |
| Net operating income to assets | 0.6428% | 3,788 |
| Return on assets (ROA) | 0.6428% | 3,863 |
| Pretax return on assets | 1.0308% | 3,017 |
| Return on Equity (ROE) | 7.6068% | 3,097 |
| Retained earnings to average equity (ytd only) | 7.6068% | 1,885 |
| Net charge-offs to loans | 1.2838% | 1,079 |
| Credit loss provision to net charge-offs | 104.1145% | 2,553 |
| Earnings coverage of net charge-offs (x) | 2.3435% | 3,142 |
| Efficiency ratio | 66.4016% | 4,968 |
| Assets per employee ($millions) | 4.5176% | 2,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1455% | 2,087 |
| Loan loss allowance to noncurrent loans | 3,227.0270% | 145 |
| Noncurrent assets plus other real estate owned to assets | 1.5752% | 3,884 |
| Noncurrent loans to loans | 0.0665% | 6,875 |
| Net loans and leases to total assets | 58.3275% | 4,587 |
| Net loans and leases to deposits | 64.7845% | 5,158 |
| Net loans and leases to core deposits | 72.1939% | 4,764 |
| Total domestic deposits to total assets | 90.0332% | 1,135 |
| Equity capital to assets | 8.6319% | 5,737 |
| Core capital (leverage) ratio | 8.6609% | 5,155 |
| Tier 1 risk-based capital ratio | 12.8941% | 4,906 |
| Total risk-based capital ratio | 14.1526% | 4,885 |
| Memoranda: | ||
| Average total assets | $282,497,500 | 2,284 |
| Average earning assets | $261,249,500 | 2,258 |
| Average equity | $23,873,500 | 2,657 |
| Average total loans | $174,171,000 | 2,370 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9010% | 5,026 |
| Cost of funding earning assets | 0.3753% | 7,449 |
| Net interest margin | 4.5256% | 1,171 |
| Noninterest income to average assets | 0.7788% | 2,386 |
| Noninterest expense to average assets | 3.6828% | 1,743 |
| Loan and lease loss provision to assets | 0.4311% | 3,534 |
| Net operating income to assets | 0.5176% | 4,014 |
| Return on assets (ROA) | 0.6549% | 3,560 |
| Pretax return on assets | 1.0766% | 2,676 |
| Return on Equity (ROE) | 8.7196% | 2,411 |
| Retained earnings to average equity (ytd only) | 8.7196% | 779 |
| Net charge-offs to loans | 0.3255% | 4,388 |
| Credit loss provision to net charge-offs | 222.6345% | 1,342 |
| Earnings coverage of net charge-offs (x) | 6.6790% | 2,308 |
| Efficiency ratio | 74.0110% | 3,396 |
| Assets per employee ($millions) | 4.6706% | 2,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9621% | 2,398 |
| Loan loss allowance to noncurrent loans | 86.6358% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 1.9185% | 3,448 |
| Noncurrent loans to loans | 2.2647% | 3,257 |
| Net loans and leases to total assets | 62.4178% | 4,197 |
| Net loans and leases to deposits | 70.1739% | 4,800 |
| Net loans and leases to core deposits | 78.2095% | 4,436 |
| Total domestic deposits to total assets | 88.9472% | 1,689 |
| Equity capital to assets | 8.2729% | 6,175 |
| Core capital (leverage) ratio | 8.2990% | 5,691 |
| Tier 1 risk-based capital ratio | 12.2392% | 5,268 |
| Total risk-based capital ratio | 13.4917% | 5,231 |
| Memoranda: | ||
| Average total assets | $278,374,600 | 2,295 |
| Average earning assets | $258,174,200 | 2,273 |
| Average equity | $20,907,000 | 3,018 |
| Average total loans | $165,580,400 | 2,533 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8926% | 5,302 |
| Cost of funding earning assets | 0.4046% | 7,564 |
| Net interest margin | 4.4880% | 1,281 |
| Noninterest income to average assets | 0.7381% | 2,590 |
| Noninterest expense to average assets | 3.6789% | 1,618 |
| Loan and lease loss provision to assets | 0.4100% | 3,444 |
| Net operating income to assets | 0.4706% | 4,439 |
| Return on assets (ROA) | 0.5251% | 4,377 |
| Pretax return on assets | 0.8927% | 3,581 |
| Return on Equity (ROE) | 7.1799% | 3,267 |
| Retained earnings to average equity (ytd only) | 7.1799% | 1,765 |
| Net charge-offs to loans | 0.1930% | 4,791 |
| Credit loss provision to net charge-offs | 363.6752% | 852 |
| Earnings coverage of net charge-offs (x) | 10.7992% | 1,849 |
| Efficiency ratio | 75.1353% | 3,120 |
| Assets per employee ($millions) | 4.8856% | 2,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1073% | 1,985 |
| Loan loss allowance to noncurrent loans | 100.3139% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 1.8916% | 3,619 |
| Noncurrent loans to loans | 2.1007% | 3,569 |
| Net loans and leases to total assets | 55.7030% | 5,592 |
| Net loans and leases to deposits | 61.5800% | 6,163 |
| Net loans and leases to core deposits | 69.3587% | 5,815 |
| Total domestic deposits to total assets | 90.4563% | 654 |
| Equity capital to assets | 7.1530% | 7,288 |
| Core capital (leverage) ratio | 7.2038% | 7,057 |
| Tier 1 risk-based capital ratio | 11.3081% | 6,094 |
| Total risk-based capital ratio | 12.5667% | 6,080 |
| Memoranda: | ||
| Average total assets | $276,741,750 | 2,340 |
| Average earning assets | $256,408,250 | 2,319 |
| Average equity | $20,241,250 | 3,157 |
| Average total loans | $161,627,750 | 2,636 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9741% | 5,061 |
| Cost of funding earning assets | 0.4455% | 7,613 |
| Net interest margin | 4.5286% | 1,147 |
| Noninterest income to average assets | 0.6665% | 2,919 |
| Noninterest expense to average assets | 3.7696% | 1,414 |
| Loan and lease loss provision to assets | 0.4062% | 3,282 |
| Net operating income to assets | 0.3861% | 4,816 |
| Return on assets (ROA) | 0.4696% | 4,626 |
| Pretax return on assets | 0.8110% | 3,842 |
| Return on Equity (ROE) | 6.3703% | 3,609 |
| Retained earnings to average equity (ytd only) | 6.3703% | 2,134 |
| Net charge-offs to loans | 0.1914% | 4,467 |
| Credit loss provision to net charge-offs | 360.1307% | 1,018 |
| Earnings coverage of net charge-offs (x) | 9.6340% | 1,995 |
| Efficiency ratio | 77.6226% | 2,789 |
| Assets per employee ($millions) | 4.4493% | 2,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9770% | 2,239 |
| Loan loss allowance to noncurrent loans | 805.8680% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.5919% | 6,010 |
| Noncurrent loans to loans | 0.2453% | 6,742 |
| Net loans and leases to total assets | 58.3001% | 5,367 |
| Net loans and leases to deposits | 64.5120% | 5,975 |
| Net loans and leases to core deposits | 72.6089% | 5,610 |
| Total domestic deposits to total assets | 90.3708% | 734 |
| Equity capital to assets | 7.3006% | 7,228 |
| Core capital (leverage) ratio | 7.4613% | 6,858 |
| Tier 1 risk-based capital ratio | 11.0385% | 6,199 |
| Total risk-based capital ratio | 12.2954% | 6,186 |
| Memoranda: | ||
| Average total assets | $271,277,330 | 2,407 |
| Average earning assets | $250,980,000 | 2,387 |
| Average equity | $19,999,000 | 3,171 |
| Average total loans | $159,903,670 | 2,700 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9196% | 5,366 |
| Cost of funding earning assets | 0.4853% | 7,694 |
| Net interest margin | 4.4343% | 1,284 |
| Noninterest income to average assets | 0.5578% | 3,588 |
| Noninterest expense to average assets | 3.7606% | 1,392 |
| Loan and lease loss provision to assets | 0.3689% | 3,155 |
| Net operating income to assets | 0.3021% | 5,294 |
| Return on assets (ROA) | 0.4019% | 4,976 |
| Pretax return on assets | 0.6942% | 4,253 |
| Return on Equity (ROE) | 5.4233% | 4,146 |
| Retained earnings to average equity (ytd only) | 5.4233% | 2,918 |
| Net charge-offs to loans | 0.1099% | 4,329 |
| Credit loss provision to net charge-offs | 572.0930% | 758 |
| Earnings coverage of net charge-offs (x) | 14.0698% | 1,455 |
| Efficiency ratio | 80.5654% | 2,479 |
| Assets per employee ($millions) | 4.3294% | 3,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9809% | 2,241 |
| Loan loss allowance to noncurrent loans | 636.9610% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.6639% | 5,856 |
| Noncurrent loans to loans | 0.3110% | 6,699 |
| Net loans and leases to total assets | 57.1846% | 5,571 |
| Net loans and leases to deposits | 63.1107% | 6,156 |
| Net loans and leases to core deposits | 71.7412% | 5,745 |
| Total domestic deposits to total assets | 90.6099% | 689 |
| Equity capital to assets | 7.4286% | 7,121 |
| Core capital (leverage) ratio | 7.5259% | 6,828 |
| Tier 1 risk-based capital ratio | 11.1558% | 6,003 |
| Total risk-based capital ratio | 12.3996% | 5,971 |
| Memoranda: | ||
| Average total assets | $266,763,500 | 2,502 |
| Average earning assets | $247,254,500 | 2,477 |
| Average equity | $19,766,500 | 3,226 |
| Average total loans | $156,498,500 | 2,805 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0859% | 6,145 |
| Cost of funding earning assets | 0.6968% | 7,690 |
| Net interest margin | 4.3890% | 1,467 |
| Noninterest income to average assets | 0.7575% | 2,631 |
| Noninterest expense to average assets | 4.2109% | 1,088 |
| Loan and lease loss provision to assets | 0.5066% | 3,842 |
| Net operating income to assets | 0.0535% | 5,326 |
| Return on assets (ROA) | 0.0823% | 5,299 |
| Pretax return on assets | 0.1467% | 5,116 |
| Return on Equity (ROE) | 1.0592% | 5,216 |
| Retained earnings to average equity (ytd only) | 1.0592% | 4,302 |
| Net charge-offs to loans | 0.8299% | 2,752 |
| Credit loss provision to net charge-offs | 101.0509% | 5,463 |
| Earnings coverage of net charge-offs (x) | 1.2134% | 4,913 |
| Efficiency ratio | 87.3759% | 1,940 |
| Assets per employee ($millions) | 4.0167% | 3,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8530% | 2,399 |
| Loan loss allowance to noncurrent loans | 481.3953% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.7156% | 5,682 |
| Noncurrent loans to loans | 0.3849% | 6,507 |
| Net loans and leases to total assets | 57.9020% | 5,679 |
| Net loans and leases to deposits | 64.1448% | 6,244 |
| Net loans and leases to core deposits | 83.5407% | 5,762 |
| Total domestic deposits to total assets | 90.2676% | 853 |
| Equity capital to assets | 7.3907% | 7,129 |
| Core capital (leverage) ratio | 7.3538% | 6,930 |
| Tier 1 risk-based capital ratio | 10.3181% | 6,570 |
| Total risk-based capital ratio | 11.5714% | 6,537 |
| Memoranda: | ||
| Average total assets | $246,719,600 | 2,637 |
| Average earning assets | $228,319,400 | 2,612 |
| Average equity | $19,166,200 | 3,318 |
| Average total loans | $149,051,000 | 2,928 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1067% | 6,239 |
| Cost of funding earning assets | 0.7304% | 7,779 |
| Net interest margin | 4.3763% | 1,505 |
| Noninterest income to average assets | 0.7351% | 2,796 |
| Noninterest expense to average assets | 4.3046% | 908 |
| Loan and lease loss provision to assets | 0.3855% | 4,011 |
| Net operating income to assets | 0.0530% | 5,603 |
| Return on assets (ROA) | 0.0727% | 5,591 |
| Pretax return on assets | 0.1278% | 5,464 |
| Return on Equity (ROE) | 0.9234% | 5,517 |
| Retained earnings to average equity (ytd only) | 0.9234% | 4,791 |
| Net charge-offs to loans | 0.9419% | 2,090 |
| Credit loss provision to net charge-offs | 67.3077% | 6,034 |
| Earnings coverage of net charge-offs (x) | 0.8423% | 5,211 |
| Efficiency ratio | 89.9229% | 1,695 |
| Assets per employee ($millions) | 3.9702% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6973% | 2,644 |
| Loan loss allowance to noncurrent loans | 209.4650% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.9579% | 5,149 |
| Noncurrent loans to loans | 0.8103% | 5,683 |
| Net loans and leases to total assets | 56.2516% | 6,113 |
| Net loans and leases to deposits | 61.6206% | 6,711 |
| Net loans and leases to core deposits | 80.0025% | 6,349 |
| Total domestic deposits to total assets | 91.2870% | 306 |
| Equity capital to assets | 7.4238% | 7,358 |
| Core capital (leverage) ratio | 7.1911% | 7,274 |
| Tier 1 risk-based capital ratio | 9.4958% | 7,375 |
| Total risk-based capital ratio | 10.7467% | 7,340 |
| Memoranda: | ||
| Average total assets | $242,123,250 | 2,710 |
| Average earning assets | $224,170,750 | 2,685 |
| Average equity | $19,059,500 | 3,363 |
| Average total loans | $147,214,000 | 2,994 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1775% | 6,154 |
| Cost of funding earning assets | 0.7816% | 7,842 |
| Net interest margin | 4.3959% | 1,418 |
| Noninterest income to average assets | 0.6760% | 3,141 |
| Noninterest expense to average assets | 4.4113% | 850 |
| Loan and lease loss provision to assets | 0.2531% | 4,549 |
| Net operating income to assets | 0.0451% | 5,718 |
| Return on assets (ROA) | 0.0756% | 5,725 |
| Pretax return on assets | 0.1240% | 5,617 |
| Return on Equity (ROE) | 0.9404% | 5,650 |
| Retained earnings to average equity (ytd only) | 0.9404% | 4,806 |
| Net charge-offs to loans | 0.8339% | 2,024 |
| Credit loss provision to net charge-offs | 48.8525% | 5,785 |
| Earnings coverage of net charge-offs (x) | 0.6361% | 5,063 |
| Efficiency ratio | 93.0491% | 1,563 |
| Assets per employee ($millions) | 3.5466% | 4,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6822% | 2,407 |
| Loan loss allowance to noncurrent loans | 95.1220% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 1.1220% | 4,709 |
| Noncurrent loans to loans | 1.7685% | 3,855 |
| Net loans and leases to total assets | 62.3807% | 5,288 |
| Net loans and leases to deposits | 68.7866% | 6,112 |
| Net loans and leases to core deposits | 91.2062% | 5,427 |
| Total domestic deposits to total assets | 90.6873% | 562 |
| Equity capital to assets | 7.9004% | 6,867 |
| Core capital (leverage) ratio | 7.9095% | 6,476 |
| Tier 1 risk-based capital ratio | 9.6361% | 7,287 |
| Total risk-based capital ratio | 10.8874% | 7,234 |
| Memoranda: | ||
| Average total assets | $235,486,000 | 2,800 |
| Average earning assets | $217,748,000 | 2,772 |
| Average equity | $18,928,330 | 3,403 |
| Average total loans | $146,304,000 | 3,041 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1215% | 6,587 |
| Cost of funding earning assets | 0.8625% | 7,853 |
| Net interest margin | 4.2590% | 1,709 |
| Noninterest income to average assets | 0.5743% | 3,729 |
| Noninterest expense to average assets | 4.2571% | 886 |
| Loan and lease loss provision to assets | 0.2063% | 4,384 |
| Net operating income to assets | 0.0395% | 6,163 |
| Return on assets (ROA) | 0.0395% | 6,307 |
| Pretax return on assets | 0.0671% | 6,235 |
| Return on Equity (ROE) | 0.4876% | 6,280 |
| Retained earnings to average equity (ytd only) | 0.4876% | 5,459 |
| Net charge-offs to loans | 0.3610% | 2,648 |
| Credit loss provision to net charge-offs | 93.0233% | 3,945 |
| Earnings coverage of net charge-offs (x) | 1.2326% | 4,136 |
| Efficiency ratio | 93.9658% | 1,437 |
| Assets per employee ($millions) | 4.1477% | 3,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0570% | 1,315 |
| Loan loss allowance to noncurrent loans | 190.7162% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.6378% | 5,578 |
| Noncurrent loans to loans | 1.0786% | 4,822 |
| Net loans and leases to total assets | 57.9204% | 5,950 |
| Net loans and leases to deposits | 63.8349% | 6,576 |
| Net loans and leases to core deposits | 82.4876% | 6,195 |
| Total domestic deposits to total assets | 90.7347% | 499 |
| Equity capital to assets | 8.0255% | 6,768 |
| Core capital (leverage) ratio | 7.9490% | 6,548 |
| Tier 1 risk-based capital ratio | 9.9478% | 6,987 |
| Total risk-based capital ratio | 11.2019% | 6,884 |
| Memoranda: | ||
| Average total assets | $232,646,000 | 2,845 |
| Average earning assets | $216,107,000 | 2,810 |
| Average equity | $18,866,000 | 3,435 |
| Average total loans | $142,948,500 | 3,120 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3146% | 3,882 |
| Cost of funding earning assets | 1.5304% | 7,557 |
| Net interest margin | 4.7842% | 801 |
| Noninterest income to average assets | 0.6705% | 3,320 |
| Noninterest expense to average assets | 4.2096% | 1,135 |
| Loan and lease loss provision to assets | 0.8500% | 1,758 |
| Net operating income to assets | 0.0086% | 6,343 |
| Return on assets (ROA) | 0.0086% | 6,203 |
| Pretax return on assets | 0.0122% | 6,132 |
| Return on Equity (ROE) | 0.0897% | 6,200 |
| Retained earnings to average equity (ytd only) | 0.0897% | 5,179 |
| Net charge-offs to loans | 0.4401% | 2,633 |
| Credit loss provision to net charge-offs | 289.4646% | 1,567 |
| Earnings coverage of net charge-offs (x) | 2.9361% | 4,614 |
| Efficiency ratio | 83.0000% | 2,181 |
| Assets per employee ($millions) | 4.0153% | 3,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9749% | 1,273 |
| Loan loss allowance to noncurrent loans | 3,518.2927% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 7,448 |
| Noncurrent loans to loans | 0.0561% | 7,283 |
| Net loans and leases to total assets | 62.5680% | 5,527 |
| Net loans and leases to deposits | 69.1133% | 6,360 |
| Net loans and leases to core deposits | 89.3163% | 5,861 |
| Total domestic deposits to total assets | 90.5296% | 475 |
| Equity capital to assets | 8.1959% | 6,562 |
| Core capital (leverage) ratio | 7.8632% | 6,709 |
| Tier 1 risk-based capital ratio | 10.0758% | 6,651 |
| Total risk-based capital ratio | 11.3310% | 6,525 |
| Memoranda: | ||
| Average total assets | $197,166,400 | 3,176 |
| Average earning assets | $181,387,800 | 3,166 |
| Average equity | $18,950,600 | 3,406 |
| Average total loans | $131,568,600 | 3,243 |