Home > Sauk Valley Bank & Trust Company > Performance and Condition Ratios
Sauk Valley Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9697% | 2,135 |
| Cost of funding earning assets | 1.9841% | 935 |
| Net interest margin | 2.9856% | 3,315 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.4965% | 2,304 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5695% | 3,515 |
| Return on assets (ROA) | 0.5595% | 3,529 |
| Pretax return on assets | 0.7108% | 3,412 |
| Return on Equity (ROE) | 8.4100% | 2,913 |
| Retained earnings to average equity (ytd only) | 5.2375% | 2,515 |
| Net charge-offs to loans | -0.0192% | 4,144 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.2785% | 1,131 |
| Assets per employee ($millions) | 5.3311% | 3,368 |
| Cash dividends to net income (ytd only)* | 37.7183% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 1,581 |
| Loan loss allowance to noncurrent loans | 110.2668% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.8288% | 609 |
| Noncurrent loans to loans | 1.2240% | 581 |
| Net loans and leases to total assets | 66.8000% | 2,167 |
| Net loans and leases to deposits | 80.3303% | 2,074 |
| Net loans and leases to core deposits | 92.7780% | 1,857 |
| Total domestic deposits to total assets | 83.1600% | 2,851 |
| Equity capital to assets | 6.9710% | 3,953 |
| Core capital (leverage) ratio | 8.5222% | 4,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6530% | 2,358 |
| Memoranda: | ||
| Average total assets | $634,479,000 | 1,405 |
| Average earning assets | $592,812,800 | 1,390 |
| Average equity | $42,214,800 | 1,804 |
| Average total loans | $411,997,600 | 1,443 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9052% | 2,049 |
| Cost of funding earning assets | 1.9120% | 843 |
| Net interest margin | 2.9932% | 3,352 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.5131% | 2,194 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5672% | 3,628 |
| Return on assets (ROA) | 0.5667% | 3,615 |
| Pretax return on assets | 0.7199% | 3,508 |
| Return on Equity (ROE) | 8.6200% | 3,027 |
| Retained earnings to average equity (ytd only) | 4.8667% | 2,980 |
| Net charge-offs to loans | -0.0178% | 4,098 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 77.4625% | 1,049 |
| Assets per employee ($millions) | 5.3742% | 3,284 |
| Cash dividends to net income (ytd only)* | 43.5677% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4305% | 1,332 |
| Loan loss allowance to noncurrent loans | 102.6311% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.9093% | 592 |
| Noncurrent loans to loans | 1.3938% | 544 |
| Net loans and leases to total assets | 64.3000% | 2,410 |
| Net loans and leases to deposits | 76.5899% | 2,368 |
| Net loans and leases to core deposits | 84.6335% | 2,287 |
| Total domestic deposits to total assets | 83.9600% | 2,787 |
| Equity capital to assets | 6.3153% | 3,892 |
| Core capital (leverage) ratio | 8.4745% | 4,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0401% | 2,259 |
| Memoranda: | ||
| Average total assets | $629,166,750 | 1,413 |
| Average earning assets | $587,492,750 | 1,407 |
| Average equity | $41,340,750 | 1,820 |
| Average total loans | $403,991,250 | 1,458 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7339% | 2,138 |
| Cost of funding earning assets | 1.7866% | 755 |
| Net interest margin | 2.9473% | 3,567 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.5133% | 2,168 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5341% | 3,737 |
| Return on assets (ROA) | 0.5316% | 3,751 |
| Pretax return on assets | 0.6703% | 3,662 |
| Return on Equity (ROE) | 7.9800% | 3,236 |
| Retained earnings to average equity (ytd only) | 3.5479% | 3,335 |
| Net charge-offs to loans | -0.0265% | 4,202 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.6058% | 955 |
| Assets per employee ($millions) | 5.3840% | 3,252 |
| Cash dividends to net income (ytd only)* | 55.5622% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4848% | 1,226 |
| Loan loss allowance to noncurrent loans | 317.7316% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.2956% | 1,735 |
| Noncurrent loans to loans | 0.4673% | 1,542 |
| Net loans and leases to total assets | 62.3200% | 2,548 |
| Net loans and leases to deposits | 71.3268% | 2,692 |
| Net loans and leases to core deposits | 78.7364% | 2,565 |
| Total domestic deposits to total assets | 87.3700% | 1,813 |
| Equity capital to assets | 6.5919% | 3,954 |
| Core capital (leverage) ratio | 8.4923% | 4,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3808% | 2,141 |
| Memoranda: | ||
| Average total assets | $625,712,667 | 1,424 |
| Average earning assets | $584,469,000 | 1,414 |
| Average equity | $41,658,333 | 1,824 |
| Average total loans | $399,588,667 | 1,458 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5329% | 2,241 |
| Cost of funding earning assets | 1.5934% | 705 |
| Net interest margin | 2.9395% | 3,723 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.5221% | 2,189 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5185% | 3,850 |
| Return on assets (ROA) | 0.5205% | 3,804 |
| Pretax return on assets | 0.6545% | 3,749 |
| Return on Equity (ROE) | 7.7800% | 3,348 |
| Retained earnings to average equity (ytd only) | 1.5596% | 3,774 |
| Net charge-offs to loans | -0.0392% | 4,303 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.1963% | 882 |
| Assets per employee ($millions) | 5.4153% | 3,302 |
| Cash dividends to net income (ytd only)* | 79.9505% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5063% | 1,232 |
| Loan loss allowance to noncurrent loans | 141.0761% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.6775% | 730 |
| Noncurrent loans to loans | 1.0677% | 672 |
| Net loans and leases to total assets | 62.4900% | 2,415 |
| Net loans and leases to deposits | 74.2956% | 2,276 |
| Net loans and leases to core deposits | 80.7938% | 2,192 |
| Total domestic deposits to total assets | 84.1200% | 3,068 |
| Equity capital to assets | 6.7988% | 3,914 |
| Core capital (leverage) ratio | 8.5025% | 4,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3287% | 2,255 |
| Memoranda: | ||
| Average total assets | $620,914,500 | 1,455 |
| Average earning assets | $578,882,000 | 1,446 |
| Average equity | $41,548,000 | 1,852 |
| Average total loans | $398,449,000 | 1,475 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7948% | 2,295 |
| Cost of funding earning assets | 0.6349% | 769 |
| Net interest margin | 3.1599% | 2,987 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.4089% | 2,400 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8139% | 3,279 |
| Return on assets (ROA) | 0.8141% | 3,211 |
| Pretax return on assets | 1.0669% | 2,869 |
| Return on Equity (ROE) | 11.3100% | 2,380 |
| Retained earnings to average equity (ytd only) | 8.0284% | 1,815 |
| Net charge-offs to loans | -0.0492% | 4,345 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.0612% | 1,818 |
| Assets per employee ($millions) | 5.2464% | 3,471 |
| Cash dividends to net income (ytd only)* | 29.0264% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 1,696 |
| Loan loss allowance to noncurrent loans | 245.1993% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.3567% | 1,436 |
| Noncurrent loans to loans | 0.5496% | 1,346 |
| Net loans and leases to total assets | 64.0200% | 2,241 |
| Net loans and leases to deposits | 74.1108% | 2,251 |
| Net loans and leases to core deposits | 79.6207% | 2,159 |
| Total domestic deposits to total assets | 86.3900% | 2,608 |
| Equity capital to assets | 6.5834% | 3,867 |
| Core capital (leverage) ratio | 8.4303% | 4,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0358% | 2,357 |
| Memoranda: | ||
| Average total assets | $605,592,400 | 1,464 |
| Average earning assets | $569,827,400 | 1,451 |
| Average equity | $43,582,600 | 1,801 |
| Average total loans | $380,069,200 | 1,456 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5753% | 2,408 |
| Cost of funding earning assets | 0.4317% | 1,091 |
| Net interest margin | 3.1436% | 2,792 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.3977% | 2,344 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8141% | 3,194 |
| Return on assets (ROA) | 0.8127% | 3,166 |
| Pretax return on assets | 1.0651% | 2,832 |
| Return on Equity (ROE) | 11.0500% | 2,362 |
| Retained earnings to average equity (ytd only) | 7.5712% | 2,158 |
| Net charge-offs to loans | -0.0662% | 4,381 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.9565% | 1,889 |
| Assets per employee ($millions) | 5.1889% | 3,513 |
| Cash dividends to net income (ytd only)* | 31.4901% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 1,707 |
| Loan loss allowance to noncurrent loans | 944.6771% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 3,018 |
| Noncurrent loans to loans | 0.1452% | 2,893 |
| Net loans and leases to total assets | 62.5200% | 2,231 |
| Net loans and leases to deposits | 68.5330% | 2,493 |
| Net loans and leases to core deposits | 73.5592% | 2,380 |
| Total domestic deposits to total assets | 91.2200% | 1,151 |
| Equity capital to assets | 6.4537% | 3,767 |
| Core capital (leverage) ratio | 8.3389% | 4,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0733% | 2,445 |
| Memoranda: | ||
| Average total assets | $602,222,000 | 1,487 |
| Average earning assets | $567,994,000 | 1,458 |
| Average equity | $44,289,250 | 1,798 |
| Average total loans | $374,647,000 | 1,469 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3854% | 2,481 |
| Cost of funding earning assets | 0.2802% | 1,907 |
| Net interest margin | 3.1052% | 2,518 |
| Noninterest income to average assets | 0.5143% | 2,120 |
| Noninterest expense to average assets | 2.4064% | 2,209 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7956% | 2,969 |
| Return on assets (ROA) | 0.7914% | 2,959 |
| Pretax return on assets | 1.0356% | 2,621 |
| Return on Equity (ROE) | 10.3204% | 2,220 |
| Retained earnings to average equity (ytd only) | 6.4393% | 2,193 |
| Net charge-offs to loans | -0.0511% | 4,242 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5508% | 2,021 |
| Assets per employee ($millions) | 5.3241% | 3,407 |
| Cash dividends to net income (ytd only)* | 37.6061% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3829% | 1,823 |
| Loan loss allowance to noncurrent loans | 897.3019% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.0969% | 3,033 |
| Noncurrent loans to loans | 0.1541% | 2,922 |
| Net loans and leases to total assets | 61.9732% | 2,123 |
| Net loans and leases to deposits | 67.8694% | 2,398 |
| Net loans and leases to core deposits | 73.2251% | 2,225 |
| Total domestic deposits to total assets | 91.3125% | 1,100 |
| Equity capital to assets | 6.5845% | 3,979 |
| Core capital (leverage) ratio | 8.4394% | 4,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0314% | 2,483 |
| Memoranda: | ||
| Average total assets | $595,406,000 | 1,505 |
| Average earning assets | $562,411,333 | 1,490 |
| Average equity | $45,657,333 | 1,810 |
| Average total loans | $367,965,333 | 1,481 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2847% | 2,434 |
| Cost of funding earning assets | 0.2361% | 2,308 |
| Net interest margin | 3.0486% | 2,337 |
| Noninterest income to average assets | 0.5172% | 2,055 |
| Noninterest expense to average assets | 2.4335% | 2,064 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7443% | 2,878 |
| Return on assets (ROA) | 0.7346% | 2,902 |
| Pretax return on assets | 0.9575% | 2,583 |
| Return on Equity (ROE) | 8.9223% | 2,344 |
| Retained earnings to average equity (ytd only) | 3.4100% | 3,142 |
| Net charge-offs to loans | -0.2370% | 4,629 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2455% | 2,075 |
| Assets per employee ($millions) | 5.3232% | 3,470 |
| Cash dividends to net income (ytd only)* | 61.7811% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5251% | 1,480 |
| Loan loss allowance to noncurrent loans | 815.5922% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.1264% | 2,918 |
| Noncurrent loans to loans | 0.1870% | 2,883 |
| Net loans and leases to total assets | 59.4470% | 2,125 |
| Net loans and leases to deposits | 67.2975% | 2,219 |
| Net loans and leases to core deposits | 73.2726% | 1,997 |
| Total domestic deposits to total assets | 88.3347% | 2,370 |
| Equity capital to assets | 7.6796% | 3,811 |
| Core capital (leverage) ratio | 8.5336% | 3,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6653% | 2,356 |
| Memoranda: | ||
| Average total assets | $586,972,000 | 1,541 |
| Average earning assets | $555,673,500 | 1,517 |
| Average equity | $48,328,500 | 1,778 |
| Average total loans | $359,564,500 | 1,493 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5513% | 2,513 |
| Cost of funding earning assets | 0.2750% | 2,650 |
| Net interest margin | 3.2763% | 2,380 |
| Noninterest income to average assets | 0.5434% | 2,383 |
| Noninterest expense to average assets | 2.2539% | 2,934 |
| Loan and lease loss provision to assets | 0.3153% | 250 |
| Net operating income to assets | 0.8288% | 3,240 |
| Return on assets (ROA) | 0.8314% | 3,309 |
| Pretax return on assets | 1.0941% | 2,988 |
| Return on Equity (ROE) | 9.6632% | 2,651 |
| Retained earnings to average equity (ytd only) | 8.9956% | 1,207 |
| Net charge-offs to loans | 0.4510% | 183 |
| Credit loss provision to net charge-offs | 113.9163% | 1,683 |
| Earnings coverage of net charge-offs (x) | 5.0800% | 2,466 |
| Efficiency ratio | 61.3393% | 2,958 |
| Assets per employee ($millions) | 5.2528% | 3,514 |
| Cash dividends to net income (ytd only)* | 6.9086% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 1,758 |
| Loan loss allowance to noncurrent loans | 97.1381% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.9366% | 608 |
| Noncurrent loans to loans | 1.4847% | 613 |
| Net loans and leases to total assets | 61.2628% | 2,039 |
| Net loans and leases to deposits | 70.4346% | 2,086 |
| Net loans and leases to core deposits | 77.0827% | 1,833 |
| Total domestic deposits to total assets | 86.9783% | 2,531 |
| Equity capital to assets | 8.7949% | 3,813 |
| Core capital (leverage) ratio | 8.4317% | 3,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6035% | 2,407 |
| Memoranda: | ||
| Average total assets | $586,718,800 | 1,480 |
| Average earning assets | $558,132,400 | 1,458 |
| Average equity | $50,480,400 | 1,753 |
| Average total loans | $360,050,200 | 1,491 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6056% | 2,544 |
| Cost of funding earning assets | 0.2836% | 2,764 |
| Net interest margin | 3.3221% | 2,352 |
| Noninterest income to average assets | 0.5459% | 2,426 |
| Noninterest expense to average assets | 2.2072% | 3,047 |
| Loan and lease loss provision to assets | 0.3063% | 256 |
| Net operating income to assets | 0.9024% | 3,246 |
| Return on assets (ROA) | 0.9051% | 3,306 |
| Pretax return on assets | 1.1964% | 2,944 |
| Return on Equity (ROE) | 10.5777% | 2,529 |
| Retained earnings to average equity (ytd only) | 9.6841% | 1,416 |
| Net charge-offs to loans | 0.4514% | 169 |
| Credit loss provision to net charge-offs | 110.9285% | 1,512 |
| Earnings coverage of net charge-offs (x) | 5.4297% | 2,224 |
| Efficiency ratio | 59.3107% | 3,087 |
| Assets per employee ($millions) | 5.4771% | 3,222 |
| Cash dividends to net income (ytd only)* | 8.4482% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4081% | 1,994 |
| Loan loss allowance to noncurrent loans | 92.0567% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 0.9389% | 719 |
| Noncurrent loans to loans | 1.5296% | 681 |
| Net loans and leases to total assets | 59.6632% | 2,306 |
| Net loans and leases to deposits | 68.4956% | 2,393 |
| Net loans and leases to core deposits | 74.5992% | 2,181 |
| Total domestic deposits to total assets | 87.1052% | 2,313 |
| Equity capital to assets | 8.6248% | 4,119 |
| Core capital (leverage) ratio | 8.4995% | 4,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3231% | 2,608 |
| Memoranda: | ||
| Average total assets | $587,632,250 | 1,495 |
| Average earning assets | $559,074,750 | 1,470 |
| Average equity | $50,280,500 | 1,773 |
| Average total loans | $359,455,500 | 1,519 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5419% | 2,794 |
| Cost of funding earning assets | 0.3004% | 2,772 |
| Net interest margin | 3.2415% | 2,635 |
| Noninterest income to average assets | 0.5725% | 2,325 |
| Noninterest expense to average assets | 2.2091% | 3,066 |
| Loan and lease loss provision to assets | 0.3261% | 242 |
| Net operating income to assets | 0.8509% | 3,362 |
| Return on assets (ROA) | 0.8509% | 3,439 |
| Pretax return on assets | 1.1224% | 3,136 |
| Return on Equity (ROE) | 9.9719% | 2,748 |
| Retained earnings to average equity (ytd only) | 8.6163% | 1,848 |
| Net charge-offs to loans | 0.6636% | 119 |
| Credit loss provision to net charge-offs | 80.0337% | 1,486 |
| Earnings coverage of net charge-offs (x) | 3.5552% | 2,067 |
| Efficiency ratio | 60.1539% | 3,001 |
| Assets per employee ($millions) | 5.5373% | 3,084 |
| Cash dividends to net income (ytd only)* | 13.5942% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3452% | 2,216 |
| Loan loss allowance to noncurrent loans | 87.3968% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 0.9565% | 795 |
| Noncurrent loans to loans | 1.5392% | 733 |
| Net loans and leases to total assets | 60.0928% | 2,417 |
| Net loans and leases to deposits | 69.3891% | 2,481 |
| Net loans and leases to core deposits | 75.0746% | 2,322 |
| Total domestic deposits to total assets | 86.6027% | 2,503 |
| Equity capital to assets | 8.6819% | 4,066 |
| Core capital (leverage) ratio | 8.5462% | 3,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9106% | 2,400 |
| Memoranda: | ||
| Average total assets | $582,681,333 | 1,497 |
| Average earning assets | $554,556,000 | 1,474 |
| Average equity | $49,719,667 | 1,778 |
| Average total loans | $357,742,000 | 1,532 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4370% | 3,096 |
| Cost of funding earning assets | 0.3269% | 2,734 |
| Net interest margin | 3.1101% | 2,957 |
| Noninterest income to average assets | 0.5808% | 2,290 |
| Noninterest expense to average assets | 2.1848% | 3,155 |
| Loan and lease loss provision to assets | 0.3429% | 245 |
| Net operating income to assets | 0.7708% | 3,510 |
| Return on assets (ROA) | 0.7708% | 3,577 |
| Pretax return on assets | 1.0149% | 3,331 |
| Return on Equity (ROE) | 9.1122% | 2,997 |
| Retained earnings to average equity (ytd only) | 6.3802% | 2,768 |
| Net charge-offs to loans | 0.0323% | 1,163 |
| Credit loss provision to net charge-offs | 1,724.1379% | 274 |
| Earnings coverage of net charge-offs (x) | 68.2759% | 767 |
| Efficiency ratio | 61.6725% | 2,808 |
| Assets per employee ($millions) | 5.5160% | 3,098 |
| Cash dividends to net income (ytd only)* | 29.9822% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5201% | 1,538 |
| Loan loss allowance to noncurrent loans | 85.1806% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.1290% | 686 |
| Noncurrent loans to loans | 1.7845% | 655 |
| Net loans and leases to total assets | 61.2084% | 2,376 |
| Net loans and leases to deposits | 72.5692% | 2,260 |
| Net loans and leases to core deposits | 78.8244% | 2,110 |
| Total domestic deposits to total assets | 84.3448% | 3,322 |
| Equity capital to assets | 8.4550% | 4,146 |
| Core capital (leverage) ratio | 8.3941% | 4,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1151% | 2,243 |
| Memoranda: | ||
| Average total assets | $583,315,000 | 1,485 |
| Average earning assets | $555,480,000 | 1,459 |
| Average equity | $49,340,500 | 1,780 |
| Average total loans | $359,537,000 | 1,527 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6911% | 3,599 |
| Cost of funding earning assets | 0.5288% | 2,756 |
| Net interest margin | 3.1622% | 3,459 |
| Noninterest income to average assets | 0.6429% | 2,056 |
| Noninterest expense to average assets | 2.3229% | 3,347 |
| Loan and lease loss provision to assets | 0.2721% | 1,418 |
| Net operating income to assets | 0.8027% | 3,079 |
| Return on assets (ROA) | 0.8015% | 3,204 |
| Pretax return on assets | 1.0639% | 2,831 |
| Return on Equity (ROE) | 9.1316% | 2,348 |
| Retained earnings to average equity (ytd only) | 8.4496% | 925 |
| Net charge-offs to loans | 0.1553% | 1,054 |
| Credit loss provision to net charge-offs | 266.0550% | 1,866 |
| Earnings coverage of net charge-offs (x) | 13.0771% | 2,301 |
| Efficiency ratio | 63.4607% | 2,903 |
| Assets per employee ($millions) | 5.6485% | 2,688 |
| Cash dividends to net income (ytd only)* | 7.4690% | 3,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 2,002 |
| Loan loss allowance to noncurrent loans | 72.3629% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 1.1969% | 724 |
| Noncurrent loans to loans | 1.9246% | 618 |
| Net loans and leases to total assets | 60.2765% | 2,823 |
| Net loans and leases to deposits | 72.2247% | 2,660 |
| Net loans and leases to core deposits | 78.4737% | 2,516 |
| Total domestic deposits to total assets | 83.4569% | 3,276 |
| Equity capital to assets | 8.4622% | 4,474 |
| Core capital (leverage) ratio | 8.6220% | 4,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8187% | 2,309 |
| Memoranda: | ||
| Average total assets | $532,857,800 | 1,466 |
| Average earning assets | $508,467,800 | 1,434 |
| Average equity | $46,771,600 | 1,794 |
| Average total loans | $350,839,200 | 1,504 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7321% | 3,720 |
| Cost of funding earning assets | 0.5833% | 2,722 |
| Net interest margin | 3.1488% | 3,621 |
| Noninterest income to average assets | 0.6466% | 1,996 |
| Noninterest expense to average assets | 2.3117% | 3,392 |
| Loan and lease loss provision to assets | 0.1797% | 2,191 |
| Net operating income to assets | 0.8709% | 2,819 |
| Return on assets (ROA) | 0.8692% | 2,961 |
| Pretax return on assets | 1.1587% | 2,530 |
| Return on Equity (ROE) | 9.8035% | 2,092 |
| Retained earnings to average equity (ytd only) | 8.8796% | 1,017 |
| Net charge-offs to loans | 0.1093% | 1,245 |
| Credit loss provision to net charge-offs | 244.7552% | 1,941 |
| Earnings coverage of net charge-offs (x) | 18.2517% | 1,967 |
| Efficiency ratio | 63.2963% | 2,863 |
| Assets per employee ($millions) | 5.4251% | 2,774 |
| Cash dividends to net income (ytd only)* | 9.4239% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 2,678 |
| Loan loss allowance to noncurrent loans | 65.7722% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 1.2454% | 784 |
| Noncurrent loans to loans | 1.8211% | 723 |
| Net loans and leases to total assets | 65.3085% | 2,604 |
| Net loans and leases to deposits | 79.5841% | 2,364 |
| Net loans and leases to core deposits | 87.0473% | 2,233 |
| Total domestic deposits to total assets | 82.0622% | 3,407 |
| Equity capital to assets | 8.5179% | 4,453 |
| Core capital (leverage) ratio | 8.5666% | 4,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7580% | 2,702 |
| Memoranda: | ||
| Average total assets | $519,210,250 | 1,475 |
| Average earning assets | $495,581,750 | 1,444 |
| Average equity | $46,036,750 | 1,806 |
| Average total loans | $348,775,500 | 1,502 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8331% | 3,780 |
| Cost of funding earning assets | 0.6532% | 2,677 |
| Net interest margin | 3.1799% | 3,721 |
| Noninterest income to average assets | 0.6238% | 2,045 |
| Noninterest expense to average assets | 2.3384% | 3,433 |
| Loan and lease loss provision to assets | 0.1493% | 2,512 |
| Net operating income to assets | 0.8800% | 2,773 |
| Return on assets (ROA) | 0.8778% | 2,897 |
| Pretax return on assets | 1.1664% | 2,474 |
| Return on Equity (ROE) | 9.7548% | 2,066 |
| Retained earnings to average equity (ytd only) | 8.3435% | 1,211 |
| Net charge-offs to loans | 0.0330% | 2,071 |
| Credit loss provision to net charge-offs | 669.6429% | 1,027 |
| Earnings coverage of net charge-offs (x) | 59.1429% | 974 |
| Efficiency ratio | 63.9451% | 2,833 |
| Assets per employee ($millions) | 5.6325% | 2,511 |
| Cash dividends to net income (ytd only)* | 14.4671% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2113% | 2,455 |
| Loan loss allowance to noncurrent loans | 61.9562% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.2938% | 808 |
| Noncurrent loans to loans | 1.9551% | 699 |
| Net loans and leases to total assets | 60.8810% | 3,232 |
| Net loans and leases to deposits | 73.3672% | 3,133 |
| Net loans and leases to core deposits | 80.2359% | 2,931 |
| Total domestic deposits to total assets | 82.9812% | 3,094 |
| Equity capital to assets | 8.0415% | 4,699 |
| Core capital (leverage) ratio | 8.8585% | 4,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1220% | 2,558 |
| Memoranda: | ||
| Average total assets | $502,402,000 | 1,489 |
| Average earning assets | $479,194,667 | 1,459 |
| Average equity | $45,208,667 | 1,823 |
| Average total loans | $339,524,000 | 1,512 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2021% | 3,202 |
| Cost of funding earning assets | 0.8399% | 2,173 |
| Net interest margin | 3.3622% | 3,418 |
| Noninterest income to average assets | 0.5669% | 2,195 |
| Noninterest expense to average assets | 2.6172% | 2,931 |
| Loan and lease loss provision to assets | 0.1092% | 2,311 |
| Net operating income to assets | 0.7837% | 2,960 |
| Return on assets (ROA) | 0.7810% | 3,055 |
| Pretax return on assets | 1.0299% | 2,738 |
| Return on Equity (ROE) | 8.1211% | 2,470 |
| Retained earnings to average equity (ytd only) | 5.2233% | 2,183 |
| Net charge-offs to loans | 0.0893% | 1,162 |
| Credit loss provision to net charge-offs | 171.2329% | 1,505 |
| Earnings coverage of net charge-offs (x) | 17.9178% | 1,480 |
| Efficiency ratio | 69.6097% | 2,411 |
| Assets per employee ($millions) | 4.4650% | 3,315 |
| Cash dividends to net income (ytd only)* | 35.6823% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 2,389 |
| Loan loss allowance to noncurrent loans | 64.6610% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.5102% | 700 |
| Noncurrent loans to loans | 1.9338% | 749 |
| Net loans and leases to total assets | 70.5442% | 2,163 |
| Net loans and leases to deposits | 82.3615% | 2,410 |
| Net loans and leases to core deposits | 91.0097% | 2,249 |
| Total domestic deposits to total assets | 85.6520% | 2,149 |
| Equity capital to assets | 9.4508% | 4,262 |
| Core capital (leverage) ratio | 9.7221% | 3,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4264% | 2,517 |
| Memoranda: | ||
| Average total assets | $457,895,000 | 1,576 |
| Average earning assets | $434,835,000 | 1,536 |
| Average equity | $44,033,500 | 1,848 |
| Average total loans | $327,048,500 | 1,533 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5134% | 2,894 |
| Cost of funding earning assets | 1.0096% | 1,686 |
| Net interest margin | 3.5039% | 3,435 |
| Noninterest income to average assets | 0.5573% | 2,437 |
| Noninterest expense to average assets | 2.6754% | 2,953 |
| Loan and lease loss provision to assets | 0.1366% | 1,563 |
| Net operating income to assets | 0.8029% | 3,543 |
| Return on assets (ROA) | 0.8180% | 3,590 |
| Pretax return on assets | 1.0785% | 3,236 |
| Return on Equity (ROE) | 8.9482% | 2,779 |
| Retained earnings to average equity (ytd only) | 7.6058% | 1,114 |
| Net charge-offs to loans | 0.0245% | 2,916 |
| Credit loss provision to net charge-offs | 779.2208% | 422 |
| Earnings coverage of net charge-offs (x) | 68.2208% | 898 |
| Efficiency ratio | 69.1073% | 2,302 |
| Assets per employee ($millions) | 4.3406% | 3,450 |
| Cash dividends to net income (ytd only)* | 15.0014% | 3,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 2,064 |
| Loan loss allowance to noncurrent loans | 63.4350% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 1.5247% | 661 |
| Noncurrent loans to loans | 2.0030% | 641 |
| Net loans and leases to total assets | 70.5035% | 2,312 |
| Net loans and leases to deposits | 81.0320% | 2,660 |
| Net loans and leases to core deposits | 89.8279% | 2,442 |
| Total domestic deposits to total assets | 87.0070% | 1,607 |
| Equity capital to assets | 9.7870% | 4,118 |
| Core capital (leverage) ratio | 9.9655% | 3,557 |
| Tier 1 risk-based capital ratio | 12.4369% | 4,112 |
| Total risk-based capital ratio | 13.6137% | 4,015 |
| Memoranda: | ||
| Average total assets | $439,230,200 | 1,600 |
| Average earning assets | $415,427,200 | 1,567 |
| Average equity | $40,153,400 | 1,927 |
| Average total loans | $314,685,400 | 1,543 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5394% | 2,929 |
| Cost of funding earning assets | 1.0325% | 1,617 |
| Net interest margin | 3.5069% | 3,544 |
| Noninterest income to average assets | 0.5166% | 2,627 |
| Noninterest expense to average assets | 2.6533% | 3,005 |
| Loan and lease loss provision to assets | 0.1528% | 1,229 |
| Net operating income to assets | 0.7830% | 3,726 |
| Return on assets (ROA) | 0.7834% | 3,795 |
| Pretax return on assets | 1.0271% | 3,506 |
| Return on Equity (ROE) | 8.7294% | 2,995 |
| Retained earnings to average equity (ytd only) | 6.8936% | 1,917 |
| Net charge-offs to loans | 0.0256% | 2,587 |
| Credit loss provision to net charge-offs | 833.3333% | 418 |
| Earnings coverage of net charge-offs (x) | 64.2984% | 1,019 |
| Efficiency ratio | 69.2295% | 2,221 |
| Assets per employee ($millions) | 4.2874% | 3,499 |
| Cash dividends to net income (ytd only)* | 21.0301% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 2,120 |
| Loan loss allowance to noncurrent loans | 86.1159% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 1.1675% | 1,099 |
| Noncurrent loans to loans | 1.4746% | 1,029 |
| Net loans and leases to total assets | 69.3079% | 2,582 |
| Net loans and leases to deposits | 79.4071% | 2,959 |
| Net loans and leases to core deposits | 86.4821% | 2,868 |
| Total domestic deposits to total assets | 87.2818% | 1,384 |
| Equity capital to assets | 9.6061% | 4,381 |
| Core capital (leverage) ratio | 9.5163% | 4,151 |
| Tier 1 risk-based capital ratio | 11.7533% | 4,543 |
| Total risk-based capital ratio | 12.8698% | 4,507 |
| Memoranda: | ||
| Average total assets | $436,181,250 | 1,615 |
| Average earning assets | $412,433,250 | 1,585 |
| Average equity | $39,146,500 | 1,981 |
| Average total loans | $312,765,000 | 1,564 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4959% | 3,029 |
| Cost of funding earning assets | 1.0225% | 1,590 |
| Net interest margin | 3.4734% | 3,675 |
| Noninterest income to average assets | 0.4690% | 2,847 |
| Noninterest expense to average assets | 2.6317% | 3,117 |
| Loan and lease loss provision to assets | 0.2317% | 698 |
| Net operating income to assets | 0.6873% | 4,044 |
| Return on assets (ROA) | 0.6873% | 4,099 |
| Pretax return on assets | 0.8899% | 3,873 |
| Return on Equity (ROE) | 7.8506% | 3,352 |
| Retained earnings to average equity (ytd only) | 4.9973% | 2,773 |
| Net charge-offs to loans | 0.2195% | 762 |
| Credit loss provision to net charge-offs | 146.1988% | 1,522 |
| Earnings coverage of net charge-offs (x) | 7.0760% | 2,517 |
| Efficiency ratio | 70.1161% | 2,206 |
| Assets per employee ($millions) | 4.3695% | 3,333 |
| Cash dividends to net income (ytd only)* | 36.3452% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 2,629 |
| Loan loss allowance to noncurrent loans | 74.5702% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.2828% | 999 |
| Noncurrent loans to loans | 1.5812% | 967 |
| Net loans and leases to total assets | 70.8372% | 2,418 |
| Net loans and leases to deposits | 80.1415% | 2,937 |
| Net loans and leases to core deposits | 87.8115% | 2,816 |
| Total domestic deposits to total assets | 88.3902% | 928 |
| Equity capital to assets | 8.8141% | 4,895 |
| Core capital (leverage) ratio | 8.9538% | 4,666 |
| Tier 1 risk-based capital ratio | 11.3648% | 4,759 |
| Total risk-based capital ratio | 12.4707% | 4,715 |
| Memoranda: | ||
| Average total assets | $431,514,670 | 1,630 |
| Average earning assets | $408,020,000 | 1,601 |
| Average equity | $37,780,330 | 2,032 |
| Average total loans | $311,678,670 | 1,570 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5318% | 2,759 |
| Cost of funding earning assets | 1.0239% | 1,467 |
| Net interest margin | 3.5078% | 3,572 |
| Noninterest income to average assets | 0.4257% | 3,007 |
| Noninterest expense to average assets | 2.7069% | 2,885 |
| Loan and lease loss provision to assets | 0.2344% | 644 |
| Net operating income to assets | 0.6216% | 4,176 |
| Return on assets (ROA) | 0.6216% | 4,217 |
| Pretax return on assets | 0.7960% | 4,057 |
| Return on Equity (ROE) | 7.1249% | 3,629 |
| Retained earnings to average equity (ytd only) | 2.1923% | 4,013 |
| Net charge-offs to loans | 0.1215% | 1,015 |
| Credit loss provision to net charge-offs | 265.9574% | 890 |
| Earnings coverage of net charge-offs (x) | 11.6915% | 1,897 |
| Efficiency ratio | 72.4285% | 1,970 |
| Assets per employee ($millions) | 4.2208% | 3,596 |
| Cash dividends to net income (ytd only)* | 69.2308% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2127% | 2,508 |
| Loan loss allowance to noncurrent loans | 63.6240% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.5447% | 760 |
| Noncurrent loans to loans | 1.9061% | 794 |
| Net loans and leases to total assets | 71.9669% | 2,167 |
| Net loans and leases to deposits | 81.4683% | 2,668 |
| Net loans and leases to core deposits | 90.1999% | 2,481 |
| Total domestic deposits to total assets | 88.3373% | 1,164 |
| Equity capital to assets | 8.8919% | 4,757 |
| Core capital (leverage) ratio | 9.0960% | 4,579 |
| Tier 1 risk-based capital ratio | 11.0911% | 4,932 |
| Total risk-based capital ratio | 12.1772% | 4,913 |
| Memoranda: | ||
| Average total assets | $426,614,500 | 1,655 |
| Average earning assets | $402,757,000 | 1,623 |
| Average equity | $37,221,500 | 2,048 |
| Average total loans | $309,345,500 | 1,594 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4190% | 2,703 |
| Cost of funding earning assets | 0.8917% | 1,126 |
| Net interest margin | 3.5273% | 3,611 |
| Noninterest income to average assets | 0.5237% | 2,695 |
| Noninterest expense to average assets | 2.4879% | 3,642 |
| Loan and lease loss provision to assets | 0.4509% | 284 |
| Net operating income to assets | 0.7216% | 4,067 |
| Return on assets (ROA) | 0.7216% | 4,075 |
| Pretax return on assets | 0.9304% | 3,813 |
| Return on Equity (ROE) | 8.5878% | 3,185 |
| Retained earnings to average equity (ytd only) | 6.3185% | 2,022 |
| Net charge-offs to loans | 0.3425% | 554 |
| Credit loss provision to net charge-offs | 178.4015% | 1,586 |
| Earnings coverage of net charge-offs (x) | 5.4653% | 3,193 |
| Efficiency ratio | 64.3008% | 3,142 |
| Assets per employee ($millions) | 4.4911% | 3,191 |
| Cash dividends to net income (ytd only)* | 26.4245% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1481% | 2,837 |
| Loan loss allowance to noncurrent loans | 53.5843% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 1.8024% | 575 |
| Noncurrent loans to loans | 2.1426% | 612 |
| Net loans and leases to total assets | 71.3514% | 2,370 |
| Net loans and leases to deposits | 80.7583% | 2,878 |
| Net loans and leases to core deposits | 90.5284% | 2,523 |
| Total domestic deposits to total assets | 88.3518% | 1,135 |
| Equity capital to assets | 8.5613% | 4,887 |
| Core capital (leverage) ratio | 9.0471% | 4,607 |
| Tier 1 risk-based capital ratio | 11.4888% | 4,731 |
| Total risk-based capital ratio | 12.5726% | 4,711 |
| Memoranda: | ||
| Average total assets | $415,860,200 | 1,647 |
| Average earning assets | $394,413,400 | 1,606 |
| Average equity | $34,945,000 | 2,077 |
| Average total loans | $306,830,600 | 1,570 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4449% | 2,478 |
| Cost of funding earning assets | 0.8620% | 1,065 |
| Net interest margin | 3.5829% | 3,422 |
| Noninterest income to average assets | 0.4731% | 3,027 |
| Noninterest expense to average assets | 2.4473% | 3,743 |
| Loan and lease loss provision to assets | 0.4935% | 229 |
| Net operating income to assets | 0.7255% | 4,150 |
| Return on assets (ROA) | 0.7255% | 4,160 |
| Pretax return on assets | 0.9352% | 3,912 |
| Return on Equity (ROE) | 8.6763% | 3,252 |
| Retained earnings to average equity (ytd only) | 6.0525% | 2,631 |
| Net charge-offs to loans | 0.2813% | 596 |
| Credit loss provision to net charge-offs | 236.4341% | 1,231 |
| Earnings coverage of net charge-offs (x) | 6.8449% | 2,848 |
| Efficiency ratio | 63.1408% | 3,312 |
| Assets per employee ($millions) | 4.4217% | 3,240 |
| Cash dividends to net income (ytd only)* | 30.2409% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1525% | 2,894 |
| Loan loss allowance to noncurrent loans | 44.6481% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 1.9941% | 532 |
| Noncurrent loans to loans | 2.5813% | 500 |
| Net loans and leases to total assets | 74.8864% | 1,837 |
| Net loans and leases to deposits | 85.1766% | 2,452 |
| Net loans and leases to core deposits | 96.7637% | 2,047 |
| Total domestic deposits to total assets | 87.9190% | 1,272 |
| Equity capital to assets | 8.6532% | 4,827 |
| Core capital (leverage) ratio | 8.7282% | 4,938 |
| Tier 1 risk-based capital ratio | 11.4512% | 4,820 |
| Total risk-based capital ratio | 12.5674% | 4,784 |
| Memoranda: | ||
| Average total assets | $412,038,000 | 1,668 |
| Average earning assets | $391,331,500 | 1,625 |
| Average equity | $34,453,250 | 2,102 |
| Average total loans | $305,737,250 | 1,579 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3552% | 2,563 |
| Cost of funding earning assets | 0.8167% | 1,058 |
| Net interest margin | 3.5385% | 3,507 |
| Noninterest income to average assets | 0.4576% | 3,108 |
| Noninterest expense to average assets | 2.4272% | 3,834 |
| Loan and lease loss provision to assets | 0.5477% | 197 |
| Net operating income to assets | 0.6577% | 4,328 |
| Return on assets (ROA) | 0.6577% | 4,332 |
| Pretax return on assets | 0.8383% | 4,137 |
| Return on Equity (ROE) | 7.9591% | 3,524 |
| Retained earnings to average equity (ytd only) | 4.6423% | 3,266 |
| Net charge-offs to loans | 0.4559% | 337 |
| Credit loss provision to net charge-offs | 163.0435% | 1,497 |
| Earnings coverage of net charge-offs (x) | 4.1261% | 2,816 |
| Efficiency ratio | 63.6538% | 3,366 |
| Assets per employee ($millions) | 4.7617% | 2,730 |
| Cash dividends to net income (ytd only)* | 41.6728% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0204% | 3,715 |
| Loan loss allowance to noncurrent loans | 79.5006% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 0.9345% | 1,611 |
| Noncurrent loans to loans | 1.2836% | 1,332 |
| Net loans and leases to total assets | 72.0646% | 2,265 |
| Net loans and leases to deposits | 81.5769% | 2,810 |
| Net loans and leases to core deposits | 94.2174% | 2,201 |
| Total domestic deposits to total assets | 88.3394% | 1,202 |
| Equity capital to assets | 8.2759% | 5,092 |
| Core capital (leverage) ratio | 8.6734% | 4,976 |
| Tier 1 risk-based capital ratio | 11.3425% | 4,875 |
| Total risk-based capital ratio | 12.3331% | 4,905 |
| Memoranda: | ||
| Average total assets | $410,838,330 | 1,674 |
| Average earning assets | $389,600,670 | 1,639 |
| Average equity | $33,948,670 | 2,125 |
| Average total loans | $302,688,330 | 1,592 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3516% | 2,349 |
| Cost of funding earning assets | 0.7730% | 1,089 |
| Net interest margin | 3.5786% | 3,257 |
| Noninterest income to average assets | 0.4488% | 3,120 |
| Noninterest expense to average assets | 2.4777% | 3,720 |
| Loan and lease loss provision to assets | 0.5224% | 199 |
| Net operating income to assets | 0.6617% | 4,237 |
| Return on assets (ROA) | 0.6617% | 4,245 |
| Pretax return on assets | 0.8438% | 4,039 |
| Return on Equity (ROE) | 8.0146% | 3,359 |
| Retained earnings to average equity (ytd only) | 2.2537% | 4,266 |
| Net charge-offs to loans | 0.3785% | 415 |
| Credit loss provision to net charge-offs | 186.1702% | 1,090 |
| Earnings coverage of net charge-offs (x) | 4.8688% | 2,268 |
| Efficiency ratio | 64.4577% | 3,407 |
| Assets per employee ($millions) | 4.3542% | 3,393 |
| Cash dividends to net income (ytd only)* | 71.8797% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 4,140 |
| Loan loss allowance to noncurrent loans | 111.0616% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.6788% | 2,296 |
| Noncurrent loans to loans | 0.8689% | 2,081 |
| Net loans and leases to total assets | 74.2321% | 1,821 |
| Net loans and leases to deposits | 86.1155% | 2,153 |
| Net loans and leases to core deposits | 108.5167% | 1,086 |
| Total domestic deposits to total assets | 86.2007% | 2,449 |
| Equity capital to assets | 8.0213% | 5,264 |
| Core capital (leverage) ratio | 8.3872% | 5,214 |
| Tier 1 risk-based capital ratio | 10.7540% | 5,265 |
| Total risk-based capital ratio | 11.6995% | 5,283 |
| Memoranda: | ||
| Average total assets | $401,979,500 | 1,726 |
| Average earning assets | $381,381,000 | 1,692 |
| Average equity | $33,189,500 | 2,175 |
| Average total loans | $298,022,000 | 1,611 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2959% | 2,345 |
| Cost of funding earning assets | 0.6240% | 1,440 |
| Net interest margin | 3.6719% | 2,910 |
| Noninterest income to average assets | 0.7924% | 1,593 |
| Noninterest expense to average assets | 2.8779% | 2,528 |
| Loan and lease loss provision to assets | 0.1074% | 2,090 |
| Net operating income to assets | 0.8231% | 3,066 |
| Return on assets (ROA) | 0.8267% | 3,091 |
| Pretax return on assets | 1.2727% | 2,457 |
| Return on Equity (ROE) | 9.7933% | 1,984 |
| Retained earnings to average equity (ytd only) | 8.3588% | 656 |
| Net charge-offs to loans | 0.0201% | 3,434 |
| Credit loss provision to net charge-offs | 740.7407% | 449 |
| Earnings coverage of net charge-offs (x) | 94.7963% | 669 |
| Efficiency ratio | 67.6770% | 2,963 |
| Assets per employee ($millions) | 4.1969% | 3,662 |
| Cash dividends to net income (ytd only)* | 14.6476% | 3,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9612% | 4,158 |
| Loan loss allowance to noncurrent loans | 93.2180% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 0.8037% | 1,938 |
| Noncurrent loans to loans | 1.0312% | 1,723 |
| Net loans and leases to total assets | 72.5686% | 2,152 |
| Net loans and leases to deposits | 82.4878% | 2,671 |
| Net loans and leases to core deposits | 92.0011% | 2,381 |
| Total domestic deposits to total assets | 87.9749% | 1,517 |
| Equity capital to assets | 8.5058% | 5,118 |
| Core capital (leverage) ratio | 8.5923% | 5,049 |
| Tier 1 risk-based capital ratio | 11.2883% | 4,991 |
| Total risk-based capital ratio | 12.2145% | 5,047 |
| Memoranda: | ||
| Average total assets | $372,428,600 | 1,824 |
| Average earning assets | $350,937,200 | 1,800 |
| Average equity | $31,439,800 | 2,260 |
| Average total loans | $268,447,000 | 1,720 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2768% | 2,331 |
| Cost of funding earning assets | 0.6001% | 1,528 |
| Net interest margin | 3.6766% | 2,836 |
| Noninterest income to average assets | 0.8693% | 1,376 |
| Noninterest expense to average assets | 2.9104% | 2,363 |
| Loan and lease loss provision to assets | 0.1087% | 1,959 |
| Net operating income to assets | 0.8621% | 3,217 |
| Return on assets (ROA) | 0.8671% | 3,240 |
| Pretax return on assets | 1.3186% | 2,401 |
| Return on Equity (ROE) | 10.2922% | 1,987 |
| Retained earnings to average equity (ytd only) | 8.3525% | 1,072 |
| Net charge-offs to loans | 0.0293% | 2,843 |
| Credit loss provision to net charge-offs | 517.2414% | 614 |
| Earnings coverage of net charge-offs (x) | 67.5530% | 916 |
| Efficiency ratio | 67.2134% | 3,015 |
| Assets per employee ($millions) | 3.9675% | 4,045 |
| Cash dividends to net income (ytd only)* | 18.8467% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9486% | 4,329 |
| Loan loss allowance to noncurrent loans | 83.0716% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 0.8357% | 2,056 |
| Noncurrent loans to loans | 1.1419% | 1,684 |
| Net loans and leases to total assets | 71.7631% | 2,290 |
| Net loans and leases to deposits | 81.6810% | 2,812 |
| Net loans and leases to core deposits | 89.3480% | 2,666 |
| Total domestic deposits to total assets | 87.8578% | 1,442 |
| Equity capital to assets | 8.3898% | 5,348 |
| Core capital (leverage) ratio | 8.3552% | 5,339 |
| Tier 1 risk-based capital ratio | 11.1847% | 5,133 |
| Total risk-based capital ratio | 12.1045% | 5,224 |
| Memoranda: | ||
| Average total assets | $367,958,750 | 1,854 |
| Average earning assets | $346,359,500 | 1,827 |
| Average equity | $31,000,000 | 2,305 |
| Average total loans | $264,061,250 | 1,752 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1825% | 2,538 |
| Cost of funding earning assets | 0.5623% | 1,699 |
| Net interest margin | 3.6202% | 2,950 |
| Noninterest income to average assets | 0.9080% | 1,247 |
| Noninterest expense to average assets | 2.9531% | 2,256 |
| Loan and lease loss provision to assets | 0.1104% | 1,849 |
| Net operating income to assets | 0.8313% | 3,244 |
| Return on assets (ROA) | 0.8390% | 3,253 |
| Pretax return on assets | 1.2607% | 2,530 |
| Return on Equity (ROE) | 9.9442% | 2,060 |
| Retained earnings to average equity (ytd only) | 6.9936% | 1,592 |
| Net charge-offs to loans | 0.0432% | 2,329 |
| Credit loss provision to net charge-offs | 357.1429% | 854 |
| Earnings coverage of net charge-offs (x) | 43.9821% | 1,182 |
| Efficiency ratio | 68.4756% | 2,926 |
| Assets per employee ($millions) | 3.6567% | 4,500 |
| Cash dividends to net income (ytd only)* | 29.6711% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 4,396 |
| Loan loss allowance to noncurrent loans | 77.4400% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 0.8925% | 1,985 |
| Noncurrent loans to loans | 1.2316% | 1,575 |
| Net loans and leases to total assets | 70.9135% | 2,389 |
| Net loans and leases to deposits | 81.0114% | 2,806 |
| Net loans and leases to core deposits | 85.6585% | 2,913 |
| Total domestic deposits to total assets | 87.5353% | 1,696 |
| Equity capital to assets | 8.5223% | 5,292 |
| Core capital (leverage) ratio | 8.4533% | 5,252 |
| Tier 1 risk-based capital ratio | 11.3111% | 5,081 |
| Total risk-based capital ratio | 12.2273% | 5,164 |
| Memoranda: | ||
| Average total assets | $362,329,000 | 1,876 |
| Average earning assets | $340,755,330 | 1,851 |
| Average equity | $30,570,670 | 2,332 |
| Average total loans | $259,140,330 | 1,771 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0659% | 2,784 |
| Cost of funding earning assets | 0.5047% | 2,047 |
| Net interest margin | 3.5612% | 3,039 |
| Noninterest income to average assets | 0.7003% | 1,967 |
| Noninterest expense to average assets | 3.0006% | 2,164 |
| Loan and lease loss provision to assets | 0.1120% | 1,712 |
| Net operating income to assets | 0.6566% | 3,905 |
| Return on assets (ROA) | 0.6566% | 3,942 |
| Pretax return on assets | 0.9557% | 3,565 |
| Return on Equity (ROE) | 7.8231% | 3,011 |
| Retained earnings to average equity (ytd only) | 1.8023% | 4,395 |
| Net charge-offs to loans | 0.0878% | 1,466 |
| Credit loss provision to net charge-offs | 178.5714% | 1,094 |
| Earnings coverage of net charge-offs (x) | 17.0179% | 1,614 |
| Efficiency ratio | 73.7538% | 2,274 |
| Assets per employee ($millions) | 3.6011% | 4,643 |
| Cash dividends to net income (ytd only)* | 76.9625% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9464% | 4,573 |
| Loan loss allowance to noncurrent loans | 151.4233% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.4599% | 3,365 |
| Noncurrent loans to loans | 0.6250% | 2,951 |
| Net loans and leases to total assets | 71.1237% | 2,198 |
| Net loans and leases to deposits | 81.5825% | 2,559 |
| Net loans and leases to core deposits | 86.8957% | 2,644 |
| Total domestic deposits to total assets | 87.1801% | 2,121 |
| Equity capital to assets | 8.3407% | 5,335 |
| Core capital (leverage) ratio | 8.6851% | 5,066 |
| Tier 1 risk-based capital ratio | 11.4339% | 5,074 |
| Total risk-based capital ratio | 12.3463% | 5,155 |
| Memoranda: | ||
| Average total assets | $356,999,500 | 1,903 |
| Average earning assets | $337,641,500 | 1,877 |
| Average equity | $29,962,500 | 2,379 |
| Average total loans | $255,187,500 | 1,804 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1436% | 2,681 |
| Cost of funding earning assets | 0.4288% | 2,718 |
| Net interest margin | 3.7148% | 2,628 |
| Noninterest income to average assets | 0.8573% | 1,548 |
| Noninterest expense to average assets | 3.0079% | 2,326 |
| Loan and lease loss provision to assets | 0.1151% | 2,143 |
| Net operating income to assets | 0.8278% | 3,172 |
| Return on assets (ROA) | 0.8351% | 3,240 |
| Pretax return on assets | 1.2455% | 2,490 |
| Return on Equity (ROE) | 9.7624% | 2,073 |
| Retained earnings to average equity (ytd only) | 6.3648% | 1,518 |
| Net charge-offs to loans | 0.2446% | 1,137 |
| Credit loss provision to net charge-offs | 66.8896% | 3,161 |
| Earnings coverage of net charge-offs (x) | 7.8428% | 2,961 |
| Efficiency ratio | 69.0265% | 3,069 |
| Assets per employee ($millions) | 3.5389% | 4,698 |
| Cash dividends to net income (ytd only)* | 34.8036% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9539% | 4,556 |
| Loan loss allowance to noncurrent loans | 169.3935% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.4176% | 3,598 |
| Noncurrent loans to loans | 0.5631% | 3,150 |
| Net loans and leases to total assets | 70.4748% | 2,408 |
| Net loans and leases to deposits | 85.4543% | 2,242 |
| Net loans and leases to core deposits | 90.6942% | 2,439 |
| Total domestic deposits to total assets | 82.4707% | 3,942 |
| Equity capital to assets | 8.4459% | 5,309 |
| Core capital (leverage) ratio | 8.6665% | 5,111 |
| Tier 1 risk-based capital ratio | 11.5793% | 5,000 |
| Total risk-based capital ratio | 12.4907% | 5,095 |
| Memoranda: | ||
| Average total assets | $347,483,400 | 1,911 |
| Average earning assets | $327,423,600 | 1,884 |
| Average equity | $29,726,200 | 2,372 |
| Average total loans | $244,440,200 | 1,822 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1388% | 2,722 |
| Cost of funding earning assets | 0.4232% | 2,805 |
| Net interest margin | 3.7156% | 2,658 |
| Noninterest income to average assets | 0.8870% | 1,451 |
| Noninterest expense to average assets | 3.0067% | 2,303 |
| Loan and lease loss provision to assets | 0.1156% | 1,998 |
| Net operating income to assets | 0.8475% | 3,168 |
| Return on assets (ROA) | 0.8573% | 3,239 |
| Pretax return on assets | 1.2790% | 2,504 |
| Return on Equity (ROE) | 9.9889% | 2,058 |
| Retained earnings to average equity (ytd only) | 5.8972% | 2,241 |
| Net charge-offs to loans | 0.3188% | 727 |
| Credit loss provision to net charge-offs | 51.7241% | 3,010 |
| Earnings coverage of net charge-offs (x) | 6.1724% | 3,027 |
| Efficiency ratio | 68.5413% | 3,133 |
| Assets per employee ($millions) | 3.4866% | 4,789 |
| Cash dividends to net income (ytd only)* | 40.9623% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9211% | 4,801 |
| Loan loss allowance to noncurrent loans | 161.8981% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.4311% | 3,698 |
| Noncurrent loans to loans | 0.5689% | 3,294 |
| Net loans and leases to total assets | 70.1714% | 2,465 |
| Net loans and leases to deposits | 84.1416% | 2,465 |
| Net loans and leases to core deposits | 88.5392% | 2,712 |
| Total domestic deposits to total assets | 83.3967% | 3,451 |
| Equity capital to assets | 8.6572% | 5,428 |
| Core capital (leverage) ratio | 8.3866% | 5,435 |
| Tier 1 risk-based capital ratio | 11.4310% | 5,132 |
| Total risk-based capital ratio | 12.3164% | 5,243 |
| Memoranda: | ||
| Average total assets | $345,882,500 | 1,923 |
| Average earning assets | $325,789,000 | 1,902 |
| Average equity | $29,685,500 | 2,387 |
| Average total loans | $242,599,500 | 1,837 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0976% | 2,873 |
| Cost of funding earning assets | 0.4185% | 2,849 |
| Net interest margin | 3.6791% | 2,789 |
| Noninterest income to average assets | 0.8411% | 1,579 |
| Noninterest expense to average assets | 2.9799% | 2,410 |
| Loan and lease loss provision to assets | 0.1167% | 1,944 |
| Net operating income to assets | 0.8162% | 3,238 |
| Return on assets (ROA) | 0.8254% | 3,330 |
| Pretax return on assets | 1.2217% | 2,697 |
| Return on Equity (ROE) | 9.6460% | 2,204 |
| Retained earnings to average equity (ytd only) | 4.4955% | 3,051 |
| Net charge-offs to loans | 0.4651% | 476 |
| Credit loss provision to net charge-offs | 35.9066% | 2,809 |
| Earnings coverage of net charge-offs (x) | 4.0754% | 3,022 |
| Efficiency ratio | 69.2203% | 3,113 |
| Assets per employee ($millions) | 3.5555% | 4,670 |
| Cash dividends to net income (ytd only)* | 53.3946% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8929% | 4,977 |
| Loan loss allowance to noncurrent loans | 156.7435% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4193% | 3,829 |
| Noncurrent loans to loans | 0.5697% | 3,358 |
| Net loans and leases to total assets | 70.0172% | 2,482 |
| Net loans and leases to deposits | 82.9837% | 2,589 |
| Net loans and leases to core deposits | 87.3167% | 2,790 |
| Total domestic deposits to total assets | 84.3747% | 3,128 |
| Equity capital to assets | 8.5065% | 5,592 |
| Core capital (leverage) ratio | 8.4737% | 5,385 |
| Tier 1 risk-based capital ratio | 11.3227% | 5,266 |
| Total risk-based capital ratio | 12.1899% | 5,377 |
| Memoranda: | ||
| Average total assets | $342,631,670 | 1,947 |
| Average earning assets | $322,582,330 | 1,916 |
| Average equity | $29,318,000 | 2,421 |
| Average total loans | $239,508,000 | 1,859 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0681% | 2,971 |
| Cost of funding earning assets | 0.4159% | 2,892 |
| Net interest margin | 3.6522% | 2,879 |
| Noninterest income to average assets | 0.5926% | 2,577 |
| Noninterest expense to average assets | 2.8557% | 2,862 |
| Loan and lease loss provision to assets | 0.1190% | 1,771 |
| Net operating income to assets | 0.7148% | 3,638 |
| Return on assets (ROA) | 0.7318% | 3,684 |
| Pretax return on assets | 1.0804% | 3,168 |
| Return on Equity (ROE) | 8.5255% | 2,652 |
| Retained earnings to average equity (ytd only) | 1.3724% | 4,710 |
| Net charge-offs to loans | 0.8936% | 224 |
| Credit loss provision to net charge-offs | 19.1571% | 2,307 |
| Earnings coverage of net charge-offs (x) | 1.8908% | 2,757 |
| Efficiency ratio | 70.8592% | 2,974 |
| Assets per employee ($millions) | 3.4144% | 4,943 |
| Cash dividends to net income (ytd only)* | 83.9024% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9342% | 4,936 |
| Loan loss allowance to noncurrent loans | 155.7940% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 3,889 |
| Noncurrent loans to loans | 0.5996% | 3,376 |
| Net loans and leases to total assets | 68.3288% | 2,608 |
| Net loans and leases to deposits | 78.4067% | 2,963 |
| Net loans and leases to core deposits | 83.0531% | 3,037 |
| Total domestic deposits to total assets | 87.1466% | 2,135 |
| Equity capital to assets | 8.5783% | 5,515 |
| Core capital (leverage) ratio | 8.6165% | 5,278 |
| Tier 1 risk-based capital ratio | 11.5664% | 5,187 |
| Total risk-based capital ratio | 12.4431% | 5,306 |
| Memoranda: | ||
| Average total assets | $336,172,000 | 1,994 |
| Average earning assets | $316,411,000 | 1,964 |
| Average equity | $28,854,500 | 2,445 |
| Average total loans | $233,667,000 | 1,889 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0044% | 3,291 |
| Cost of funding earning assets | 0.4059% | 3,091 |
| Net interest margin | 3.5985% | 3,140 |
| Noninterest income to average assets | 0.7028% | 2,187 |
| Noninterest expense to average assets | 2.8662% | 2,978 |
| Loan and lease loss provision to assets | 0.0234% | 3,916 |
| Net operating income to assets | 0.7906% | 3,372 |
| Return on assets (ROA) | 0.8040% | 3,400 |
| Pretax return on assets | 1.2049% | 2,643 |
| Return on Equity (ROE) | 9.4491% | 2,244 |
| Retained earnings to average equity (ytd only) | 6.7263% | 1,420 |
| Net charge-offs to loans | -0.1171% | 5,821 |
| Credit loss provision to net charge-offs | -29.4118% | 5,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3448% | 3,169 |
| Assets per employee ($millions) | 3.6738% | 4,524 |
| Cash dividends to net income (ytd only)* | 28.8155% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1102% | 3,989 |
| Loan loss allowance to noncurrent loans | 136.8421% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.5803% | 3,351 |
| Noncurrent loans to loans | 0.8113% | 2,758 |
| Net loans and leases to total assets | 69.2715% | 2,491 |
| Net loans and leases to deposits | 82.2870% | 2,555 |
| Net loans and leases to core deposits | 86.1184% | 2,786 |
| Total domestic deposits to total assets | 84.1827% | 3,409 |
| Equity capital to assets | 8.5882% | 5,488 |
| Core capital (leverage) ratio | 8.7686% | 5,147 |
| Tier 1 risk-based capital ratio | 11.4357% | 5,295 |
| Total risk-based capital ratio | 12.4739% | 5,308 |
| Memoranda: | ||
| Average total assets | $320,280,000 | 2,042 |
| Average earning assets | $300,096,200 | 2,017 |
| Average equity | $27,251,400 | 2,524 |
| Average total loans | $217,820,000 | 1,940 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9841% | 3,400 |
| Cost of funding earning assets | 0.4111% | 3,114 |
| Net interest margin | 3.5730% | 3,262 |
| Noninterest income to average assets | 0.7479% | 2,034 |
| Noninterest expense to average assets | 2.8352% | 3,057 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8368% | 3,238 |
| Return on assets (ROA) | 0.8549% | 3,239 |
| Pretax return on assets | 1.2829% | 2,462 |
| Return on Equity (ROE) | 10.0718% | 2,077 |
| Retained earnings to average equity (ytd only) | 7.0815% | 1,650 |
| Net charge-offs to loans | -0.1528% | 5,922 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3004% | 3,329 |
| Assets per employee ($millions) | 3.6371% | 4,546 |
| Cash dividends to net income (ytd only)* | 29.6898% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1471% | 3,945 |
| Loan loss allowance to noncurrent loans | 93.9836% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 0.8511% | 2,755 |
| Noncurrent loans to loans | 1.2206% | 2,091 |
| Net loans and leases to total assets | 66.9531% | 2,856 |
| Net loans and leases to deposits | 75.7461% | 3,334 |
| Net loans and leases to core deposits | 79.7966% | 3,442 |
| Total domestic deposits to total assets | 88.3916% | 1,347 |
| Equity capital to assets | 8.5047% | 5,708 |
| Core capital (leverage) ratio | 8.3395% | 5,684 |
| Tier 1 risk-based capital ratio | 11.4653% | 5,393 |
| Total risk-based capital ratio | 12.5203% | 5,407 |
| Memoranda: | ||
| Average total assets | $316,770,500 | 2,078 |
| Average earning assets | $296,402,250 | 2,049 |
| Average equity | $26,886,250 | 2,570 |
| Average total loans | $213,728,250 | 1,973 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9345% | 3,555 |
| Cost of funding earning assets | 0.4107% | 3,151 |
| Net interest margin | 3.5237% | 3,398 |
| Noninterest income to average assets | 0.6939% | 2,243 |
| Noninterest expense to average assets | 2.7908% | 3,267 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8092% | 3,332 |
| Return on assets (ROA) | 0.8173% | 3,405 |
| Pretax return on assets | 1.2218% | 2,690 |
| Return on Equity (ROE) | 9.6357% | 2,233 |
| Retained earnings to average equity (ytd only) | 6.5313% | 1,932 |
| Net charge-offs to loans | -0.2445% | 6,076 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7615% | 3,368 |
| Assets per employee ($millions) | 3.8415% | 4,186 |
| Cash dividends to net income (ytd only)* | 32.2179% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 4,038 |
| Loan loss allowance to noncurrent loans | 95.3278% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 0.8370% | 2,883 |
| Noncurrent loans to loans | 1.2151% | 2,222 |
| Net loans and leases to total assets | 66.1156% | 2,931 |
| Net loans and leases to deposits | 75.7410% | 3,298 |
| Net loans and leases to core deposits | 79.8073% | 3,408 |
| Total domestic deposits to total assets | 87.2917% | 2,016 |
| Equity capital to assets | 8.2495% | 5,857 |
| Core capital (leverage) ratio | 8.3260% | 5,698 |
| Tier 1 risk-based capital ratio | 11.2014% | 5,618 |
| Total risk-based capital ratio | 12.2598% | 5,625 |
| Memoranda: | ||
| Average total assets | $314,459,330 | 2,104 |
| Average earning assets | $295,085,330 | 2,073 |
| Average equity | $26,671,670 | 2,594 |
| Average total loans | $211,889,330 | 1,997 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9800% | 3,298 |
| Cost of funding earning assets | 0.4096% | 3,196 |
| Net interest margin | 3.5704% | 3,122 |
| Noninterest income to average assets | 0.6108% | 2,590 |
| Noninterest expense to average assets | 2.8454% | 3,084 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7452% | 3,565 |
| Return on assets (ROA) | 0.7626% | 3,603 |
| Pretax return on assets | 1.1374% | 2,918 |
| Return on Equity (ROE) | 8.8624% | 2,515 |
| Retained earnings to average equity (ytd only) | 6.7674% | 2,116 |
| Net charge-offs to loans | -0.5004% | 6,239 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9108% | 3,187 |
| Assets per employee ($millions) | 3.5982% | 4,727 |
| Cash dividends to net income (ytd only)* | 23.6395% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 3,807 |
| Loan loss allowance to noncurrent loans | 94.5461% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 0.9197% | 2,797 |
| Noncurrent loans to loans | 1.2968% | 2,218 |
| Net loans and leases to total assets | 65.8902% | 2,795 |
| Net loans and leases to deposits | 76.0451% | 3,049 |
| Net loans and leases to core deposits | 80.3997% | 3,115 |
| Total domestic deposits to total assets | 86.6462% | 2,576 |
| Equity capital to assets | 8.6577% | 5,608 |
| Core capital (leverage) ratio | 8.5956% | 5,424 |
| Tier 1 risk-based capital ratio | 11.6894% | 5,442 |
| Total risk-based capital ratio | 12.8120% | 5,436 |
| Memoranda: | ||
| Average total assets | $308,425,000 | 2,141 |
| Average earning assets | $289,045,500 | 2,119 |
| Average equity | $26,539,000 | 2,624 |
| Average total loans | $208,626,000 | 2,020 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0546% | 3,508 |
| Cost of funding earning assets | 0.4586% | 3,090 |
| Net interest margin | 3.5961% | 3,425 |
| Noninterest income to average assets | 0.3716% | 4,416 |
| Noninterest expense to average assets | 2.6209% | 4,141 |
| Loan and lease loss provision to assets | 0.1084% | 2,351 |
| Net operating income to assets | 0.6764% | 4,006 |
| Return on assets (ROA) | 0.6818% | 4,098 |
| Pretax return on assets | 1.0037% | 3,480 |
| Return on Equity (ROE) | 8.3365% | 2,944 |
| Retained earnings to average equity (ytd only) | 4.8983% | 2,685 |
| Net charge-offs to loans | 0.0394% | 4,035 |
| Credit loss provision to net charge-offs | 416.6667% | 622 |
| Earnings coverage of net charge-offs (x) | 42.4359% | 1,034 |
| Efficiency ratio | 70.3591% | 3,475 |
| Assets per employee ($millions) | 3.7488% | 4,444 |
| Cash dividends to net income (ytd only)* | 41.2427% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0767% | 4,657 |
| Loan loss allowance to noncurrent loans | 69.4190% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 1.1389% | 2,482 |
| Noncurrent loans to loans | 1.5510% | 1,889 |
| Net loans and leases to total assets | 67.8444% | 2,579 |
| Net loans and leases to deposits | 78.4549% | 2,916 |
| Net loans and leases to core deposits | 82.7602% | 3,023 |
| Total domestic deposits to total assets | 86.4757% | 2,581 |
| Equity capital to assets | 8.5513% | 5,701 |
| Core capital (leverage) ratio | 8.4310% | 5,631 |
| Tier 1 risk-based capital ratio | 11.4081% | 5,714 |
| Total risk-based capital ratio | 12.4077% | 5,777 |
| Memoranda: | ||
| Average total assets | $299,786,200 | 2,160 |
| Average earning assets | $279,556,400 | 2,134 |
| Average equity | $24,518,800 | 2,711 |
| Average total loans | $197,823,600 | 2,054 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0358% | 3,611 |
| Cost of funding earning assets | 0.4701% | 3,053 |
| Net interest margin | 3.5658% | 3,575 |
| Noninterest income to average assets | 0.3545% | 4,605 |
| Noninterest expense to average assets | 2.5522% | 4,352 |
| Loan and lease loss provision to assets | 0.1231% | 2,028 |
| Net operating income to assets | 0.6789% | 4,054 |
| Return on assets (ROA) | 0.6862% | 4,099 |
| Pretax return on assets | 1.0107% | 3,549 |
| Return on Equity (ROE) | 8.4893% | 2,952 |
| Retained earnings to average equity (ytd only) | 4.5908% | 3,369 |
| Net charge-offs to loans | -0.0034% | 5,238 |
| Credit loss provision to net charge-offs | -5,500.0000% | 6,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4434% | 3,598 |
| Assets per employee ($millions) | 3.9312% | 4,025 |
| Cash dividends to net income (ytd only)* | 45.9228% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 4,703 |
| Loan loss allowance to noncurrent loans | 90.0665% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 0.9138% | 3,157 |
| Noncurrent loans to loans | 1.2320% | 2,580 |
| Net loans and leases to total assets | 66.0885% | 2,855 |
| Net loans and leases to deposits | 74.6669% | 3,344 |
| Net loans and leases to core deposits | 78.9228% | 3,450 |
| Total domestic deposits to total assets | 88.5111% | 1,493 |
| Equity capital to assets | 8.2876% | 5,954 |
| Core capital (leverage) ratio | 8.2547% | 5,880 |
| Tier 1 risk-based capital ratio | 11.3981% | 5,840 |
| Total risk-based capital ratio | 12.4261% | 5,870 |
| Memoranda: | ||
| Average total assets | $297,882,250 | 2,186 |
| Average earning assets | $277,409,250 | 2,159 |
| Average equity | $24,076,750 | 2,756 |
| Average total loans | $194,573,250 | 2,090 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0150% | 3,672 |
| Cost of funding earning assets | 0.4760% | 3,056 |
| Net interest margin | 3.5390% | 3,614 |
| Noninterest income to average assets | 0.3106% | 4,932 |
| Noninterest expense to average assets | 2.5758% | 4,327 |
| Loan and lease loss provision to assets | 0.1192% | 2,059 |
| Net operating income to assets | 0.6253% | 4,218 |
| Return on assets (ROA) | 0.6361% | 4,281 |
| Pretax return on assets | 0.9228% | 3,792 |
| Return on Equity (ROE) | 7.9412% | 3,131 |
| Retained earnings to average equity (ytd only) | 1.9555% | 4,898 |
| Net charge-offs to loans | -0.0147% | 5,438 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5069% | 3,432 |
| Assets per employee ($millions) | 4.0437% | 3,752 |
| Cash dividends to net income (ytd only)* | 75.3747% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 4,733 |
| Loan loss allowance to noncurrent loans | 85.7032% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 0.9601% | 3,139 |
| Noncurrent loans to loans | 1.3254% | 2,596 |
| Net loans and leases to total assets | 64.3375% | 3,025 |
| Net loans and leases to deposits | 71.9738% | 3,571 |
| Net loans and leases to core deposits | 76.1960% | 3,609 |
| Total domestic deposits to total assets | 89.3902% | 1,162 |
| Equity capital to assets | 8.0533% | 6,122 |
| Core capital (leverage) ratio | 8.1239% | 6,004 |
| Tier 1 risk-based capital ratio | 11.3296% | 5,888 |
| Total risk-based capital ratio | 12.3771% | 5,930 |
| Memoranda: | ||
| Average total assets | $293,656,000 | 2,202 |
| Average earning assets | $273,125,670 | 2,188 |
| Average equity | $23,523,000 | 2,800 |
| Average total loans | $190,248,330 | 2,125 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9594% | 3,859 |
| Cost of funding earning assets | 0.4789% | 3,122 |
| Net interest margin | 3.4804% | 3,783 |
| Noninterest income to average assets | 0.3232% | 4,781 |
| Noninterest expense to average assets | 2.5634% | 4,403 |
| Loan and lease loss provision to assets | 0.2407% | 912 |
| Net operating income to assets | 0.5512% | 4,455 |
| Return on assets (ROA) | 0.5473% | 4,539 |
| Pretax return on assets | 0.7715% | 4,218 |
| Return on Equity (ROE) | 6.8516% | 3,557 |
| Retained earnings to average equity (ytd only) | -2.6855% | 5,929 |
| Net charge-offs to loans | 0.0043% | 3,587 |
| Credit loss provision to net charge-offs | 8,750.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 370.0000% | 128 |
| Efficiency ratio | 71.5822% | 3,563 |
| Assets per employee ($millions) | 4.1159% | 3,690 |
| Cash dividends to net income (ytd only)* | 139.1960% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1544% | 4,844 |
| Loan loss allowance to noncurrent loans | 84.5000% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 1.0072% | 3,248 |
| Noncurrent loans to loans | 1.3662% | 2,741 |
| Net loans and leases to total assets | 65.2920% | 2,678 |
| Net loans and leases to deposits | 76.3273% | 2,778 |
| Net loans and leases to core deposits | 80.7197% | 2,885 |
| Total domestic deposits to total assets | 85.5421% | 3,588 |
| Equity capital to assets | 8.0753% | 5,999 |
| Core capital (leverage) ratio | 8.2068% | 5,941 |
| Tier 1 risk-based capital ratio | 11.5805% | 5,874 |
| Total risk-based capital ratio | 12.6604% | 5,913 |
| Memoranda: | ||
| Average total assets | $290,867,500 | 2,226 |
| Average earning assets | $272,265,000 | 2,199 |
| Average equity | $23,235,500 | 2,819 |
| Average total loans | $188,007,000 | 2,154 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9826% | 4,143 |
| Cost of funding earning assets | 0.4973% | 3,641 |
| Net interest margin | 3.4852% | 3,961 |
| Noninterest income to average assets | 0.4588% | 4,030 |
| Noninterest expense to average assets | 2.3180% | 5,320 |
| Loan and lease loss provision to assets | 0.1334% | 2,644 |
| Net operating income to assets | 0.8379% | 3,099 |
| Return on assets (ROA) | 0.8379% | 3,178 |
| Pretax return on assets | 1.2646% | 2,299 |
| Return on Equity (ROE) | 10.2603% | 2,004 |
| Retained earnings to average equity (ytd only) | 7.1726% | 1,368 |
| Net charge-offs to loans | 0.2839% | 2,273 |
| Credit loss provision to net charge-offs | 76.5306% | 3,129 |
| Earnings coverage of net charge-offs (x) | 8.0224% | 2,745 |
| Efficiency ratio | 62.3792% | 5,144 |
| Assets per employee ($millions) | 4.3824% | 3,114 |
| Cash dividends to net income (ytd only)* | 30.0934% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 5,206 |
| Loan loss allowance to noncurrent loans | 71.5853% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 1.0370% | 3,350 |
| Noncurrent loans to loans | 1.5218% | 2,612 |
| Net loans and leases to total assets | 62.5564% | 3,285 |
| Net loans and leases to deposits | 74.8401% | 3,126 |
| Net loans and leases to core deposits | 80.4859% | 3,066 |
| Total domestic deposits to total assets | 83.5868% | 4,326 |
| Equity capital to assets | 7.9030% | 6,083 |
| Core capital (leverage) ratio | 8.3713% | 5,811 |
| Tier 1 risk-based capital ratio | 11.7540% | 5,775 |
| Total risk-based capital ratio | 12.7571% | 5,846 |
| Memoranda: | ||
| Average total assets | $281,195,600 | 2,262 |
| Average earning assets | $262,796,400 | 2,231 |
| Average equity | $22,962,400 | 2,826 |
| Average total loans | $172,607,200 | 2,275 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0203% | 4,054 |
| Cost of funding earning assets | 0.5000% | 3,765 |
| Net interest margin | 3.5203% | 3,791 |
| Noninterest income to average assets | 0.5346% | 3,561 |
| Noninterest expense to average assets | 2.2927% | 5,365 |
| Loan and lease loss provision to assets | 0.1199% | 2,795 |
| Net operating income to assets | 0.9229% | 2,725 |
| Return on assets (ROA) | 0.9229% | 2,835 |
| Pretax return on assets | 1.4134% | 1,890 |
| Return on Equity (ROE) | 11.2070% | 1,747 |
| Retained earnings to average equity (ytd only) | 7.9468% | 1,428 |
| Net charge-offs to loans | -0.0031% | 5,724 |
| Credit loss provision to net charge-offs | -6,250.0000% | 6,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9248% | 5,446 |
| Assets per employee ($millions) | 4.5590% | 2,788 |
| Cash dividends to net income (ytd only)* | 29.0910% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 4,084 |
| Loan loss allowance to noncurrent loans | 74.0557% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 1.2344% | 3,175 |
| Noncurrent loans to loans | 1.8354% | 2,455 |
| Net loans and leases to total assets | 61.4141% | 3,464 |
| Net loans and leases to deposits | 68.8412% | 3,957 |
| Net loans and leases to core deposits | 73.8838% | 3,864 |
| Total domestic deposits to total assets | 89.2112% | 1,454 |
| Equity capital to assets | 8.0922% | 6,081 |
| Core capital (leverage) ratio | 8.1874% | 6,078 |
| Tier 1 risk-based capital ratio | 12.0461% | 5,757 |
| Total risk-based capital ratio | 13.2762% | 5,700 |
| Memoranda: | ||
| Average total assets | $278,088,750 | 2,293 |
| Average earning assets | $260,006,750 | 2,253 |
| Average equity | $22,901,750 | 2,861 |
| Average total loans | $169,333,250 | 2,320 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9772% | 4,198 |
| Cost of funding earning assets | 0.5075% | 3,832 |
| Net interest margin | 3.4697% | 3,928 |
| Noninterest income to average assets | 0.5742% | 3,353 |
| Noninterest expense to average assets | 2.2468% | 5,509 |
| Loan and lease loss provision to assets | 0.0904% | 3,278 |
| Net operating income to assets | 0.9627% | 2,500 |
| Return on assets (ROA) | 0.9618% | 2,653 |
| Pretax return on assets | 1.4839% | 1,669 |
| Return on Equity (ROE) | 11.6100% | 1,597 |
| Retained earnings to average equity (ytd only) | 8.0310% | 1,475 |
| Net charge-offs to loans | 0.0012% | 4,894 |
| Credit loss provision to net charge-offs | 12,500.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 2,179.0000% | 10 |
| Efficiency ratio | 58.7779% | 5,630 |
| Assets per employee ($millions) | 4.6222% | 2,613 |
| Cash dividends to net income (ytd only)* | 30.8271% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 4,435 |
| Loan loss allowance to noncurrent loans | 80.9013% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 1.0779% | 3,582 |
| Noncurrent loans to loans | 1.6236% | 2,872 |
| Net loans and leases to total assets | 59.3043% | 3,776 |
| Net loans and leases to deposits | 71.2833% | 3,546 |
| Net loans and leases to core deposits | 77.2745% | 3,391 |
| Total domestic deposits to total assets | 83.1952% | 4,627 |
| Equity capital to assets | 7.9270% | 6,249 |
| Core capital (leverage) ratio | 8.2452% | 5,964 |
| Tier 1 risk-based capital ratio | 12.0345% | 5,779 |
| Total risk-based capital ratio | 13.2197% | 5,761 |
| Memoranda: | ||
| Average total assets | $276,566,670 | 2,309 |
| Average earning assets | $258,925,670 | 2,272 |
| Average equity | $22,911,330 | 2,874 |
| Average total loans | $167,117,000 | 2,338 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0589% | 3,893 |
| Cost of funding earning assets | 0.5190% | 3,892 |
| Net interest margin | 3.5399% | 3,525 |
| Noninterest income to average assets | 0.5966% | 3,161 |
| Noninterest expense to average assets | 2.3008% | 5,421 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0283% | 2,113 |
| Return on assets (ROA) | 1.0208% | 2,258 |
| Pretax return on assets | 1.5893% | 1,327 |
| Return on Equity (ROE) | 12.0477% | 1,410 |
| Retained earnings to average equity (ytd only) | 7.5277% | 1,931 |
| Net charge-offs to loans | 0.0097% | 3,955 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 271.7500% | 138 |
| Efficiency ratio | 58.9656% | 5,722 |
| Assets per employee ($millions) | 4.5594% | 2,862 |
| Cash dividends to net income (ytd only)* | 37.5180% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3408% | 4,510 |
| Loan loss allowance to noncurrent loans | 76.2960% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 1.1487% | 3,645 |
| Noncurrent loans to loans | 1.7573% | 2,925 |
| Net loans and leases to total assets | 58.3734% | 3,726 |
| Net loans and leases to deposits | 69.7329% | 3,532 |
| Net loans and leases to core deposits | 76.6102% | 3,244 |
| Total domestic deposits to total assets | 83.7100% | 4,586 |
| Equity capital to assets | 8.6203% | 5,892 |
| Core capital (leverage) ratio | 8.3772% | 5,740 |
| Tier 1 risk-based capital ratio | 12.6727% | 5,450 |
| Total risk-based capital ratio | 13.8751% | 5,448 |
| Memoranda: | ||
| Average total assets | $271,561,000 | 2,376 |
| Average earning assets | $253,564,500 | 2,344 |
| Average equity | $23,008,500 | 2,920 |
| Average total loans | $164,568,000 | 2,384 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4598% | 3,572 |
| Cost of funding earning assets | 0.6938% | 3,542 |
| Net interest margin | 3.7660% | 3,369 |
| Noninterest income to average assets | 0.5198% | 3,771 |
| Noninterest expense to average assets | 2.2855% | 5,732 |
| Loan and lease loss provision to assets | 0.1934% | 3,216 |
| Net operating income to assets | 0.9785% | 2,431 |
| Return on assets (ROA) | 0.9894% | 2,606 |
| Pretax return on assets | 1.5471% | 1,530 |
| Return on Equity (ROE) | 11.6709% | 1,605 |
| Retained earnings to average equity (ytd only) | 7.2224% | 1,459 |
| Net charge-offs to loans | 0.4139% | 2,590 |
| Credit loss provision to net charge-offs | 77.3994% | 3,917 |
| Earnings coverage of net charge-offs (x) | 6.8978% | 2,715 |
| Efficiency ratio | 57.0092% | 5,955 |
| Assets per employee ($millions) | 4.5686% | 2,842 |
| Cash dividends to net income (ytd only)* | 38.1157% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2578% | 4,829 |
| Loan loss allowance to noncurrent loans | 75.4145% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 1.1816% | 3,684 |
| Noncurrent loans to loans | 1.6679% | 3,123 |
| Net loans and leases to total assets | 61.2281% | 3,387 |
| Net loans and leases to deposits | 73.8988% | 3,101 |
| Net loans and leases to core deposits | 79.8398% | 3,033 |
| Total domestic deposits to total assets | 82.8540% | 4,780 |
| Equity capital to assets | 8.3279% | 6,177 |
| Core capital (leverage) ratio | 8.1826% | 6,019 |
| Tier 1 risk-based capital ratio | 11.9514% | 5,823 |
| Total risk-based capital ratio | 13.1097% | 5,830 |
| Memoranda: | ||
| Average total assets | $258,545,200 | 2,451 |
| Average earning assets | $239,538,000 | 2,417 |
| Average equity | $21,917,800 | 2,983 |
| Average total loans | $156,077,000 | 2,486 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5258% | 3,533 |
| Cost of funding earning assets | 0.7196% | 3,596 |
| Net interest margin | 3.8062% | 3,316 |
| Noninterest income to average assets | 0.5560% | 3,571 |
| Noninterest expense to average assets | 2.2990% | 5,679 |
| Loan and lease loss provision to assets | 0.1571% | 3,551 |
| Net operating income to assets | 1.0350% | 2,345 |
| Return on assets (ROA) | 1.0461% | 2,516 |
| Pretax return on assets | 1.6425% | 1,444 |
| Return on Equity (ROE) | 12.2817% | 1,543 |
| Retained earnings to average equity (ytd only) | 7.2043% | 2,006 |
| Net charge-offs to loans | 0.5592% | 1,933 |
| Credit loss provision to net charge-offs | 46.8750% | 4,473 |
| Earnings coverage of net charge-offs (x) | 5.3188% | 3,050 |
| Efficiency ratio | 56.3310% | 6,013 |
| Assets per employee ($millions) | 4.5062% | 2,905 |
| Cash dividends to net income (ytd only)* | 41.3416% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2059% | 5,252 |
| Loan loss allowance to noncurrent loans | 262.8378% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.4754% | 5,480 |
| Noncurrent loans to loans | 0.4588% | 5,529 |
| Net loans and leases to total assets | 59.9350% | 3,797 |
| Net loans and leases to deposits | 69.7716% | 3,925 |
| Net loans and leases to core deposits | 75.5892% | 3,778 |
| Total domestic deposits to total assets | 85.9018% | 3,306 |
| Equity capital to assets | 8.4814% | 6,279 |
| Core capital (leverage) ratio | 8.2185% | 6,118 |
| Tier 1 risk-based capital ratio | 12.2023% | 5,835 |
| Total risk-based capital ratio | 13.2986% | 5,897 |
| Memoranda: | ||
| Average total assets | $254,652,500 | 2,509 |
| Average earning assets | $235,855,000 | 2,468 |
| Average equity | $21,690,250 | 3,036 |
| Average total loans | $152,602,750 | 2,565 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5964% | 3,377 |
| Cost of funding earning assets | 0.7517% | 3,595 |
| Net interest margin | 3.8447% | 3,156 |
| Noninterest income to average assets | 0.4384% | 4,375 |
| Noninterest expense to average assets | 2.3083% | 5,710 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0640% | 2,187 |
| Return on assets (ROA) | 1.0880% | 2,308 |
| Pretax return on assets | 1.7145% | 1,218 |
| Return on Equity (ROE) | 12.7546% | 1,424 |
| Retained earnings to average equity (ytd only) | 6.4380% | 2,415 |
| Net charge-offs to loans | 0.1403% | 3,801 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 20.0381% | 1,407 |
| Efficiency ratio | 57.9200% | 5,885 |
| Assets per employee ($millions) | 4.4426% | 3,019 |
| Cash dividends to net income (ytd only)* | 49.5238% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 4,313 |
| Loan loss allowance to noncurrent loans | 262.0192% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.5278% | 5,442 |
| Noncurrent loans to loans | 0.5478% | 5,423 |
| Net loans and leases to total assets | 58.0960% | 4,142 |
| Net loans and leases to deposits | 67.5051% | 4,287 |
| Net loans and leases to core deposits | 73.4932% | 4,097 |
| Total domestic deposits to total assets | 86.0616% | 3,326 |
| Equity capital to assets | 8.4740% | 6,233 |
| Core capital (leverage) ratio | 8.2890% | 5,924 |
| Tier 1 risk-based capital ratio | 12.3280% | 5,705 |
| Total risk-based capital ratio | 13.5827% | 5,670 |
| Memoranda: | ||
| Average total assets | $250,915,670 | 2,543 |
| Average earning assets | $231,488,000 | 2,508 |
| Average equity | $21,404,000 | 3,058 |
| Average total loans | $149,707,000 | 2,622 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6418% | 3,303 |
| Cost of funding earning assets | 0.7859% | 3,579 |
| Net interest margin | 3.8559% | 3,112 |
| Noninterest income to average assets | 0.4185% | 4,529 |
| Noninterest expense to average assets | 2.3528% | 5,618 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0263% | 2,379 |
| Return on assets (ROA) | 1.0439% | 2,503 |
| Pretax return on assets | 1.6450% | 1,444 |
| Return on Equity (ROE) | 12.1953% | 1,616 |
| Retained earnings to average equity (ytd only) | 4.1532% | 4,100 |
| Net charge-offs to loans | 0.2045% | 2,900 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 13.1711% | 1,553 |
| Efficiency ratio | 59.2593% | 5,729 |
| Assets per employee ($millions) | 4.6854% | 2,685 |
| Cash dividends to net income (ytd only)* | 65.9443% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4982% | 4,160 |
| Loan loss allowance to noncurrent loans | 234.3949% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.5921% | 5,414 |
| Noncurrent loans to loans | 0.6392% | 5,363 |
| Net loans and leases to total assets | 57.3754% | 4,150 |
| Net loans and leases to deposits | 68.2983% | 4,010 |
| Net loans and leases to core deposits | 74.6132% | 3,816 |
| Total domestic deposits to total assets | 84.0070% | 4,489 |
| Equity capital to assets | 8.4233% | 6,153 |
| Core capital (leverage) ratio | 8.4832% | 5,623 |
| Tier 1 risk-based capital ratio | 12.3667% | 5,710 |
| Total risk-based capital ratio | 13.6168% | 5,670 |
| Memoranda: | ||
| Average total assets | $247,538,500 | 2,584 |
| Average earning assets | $228,016,000 | 2,563 |
| Average equity | $21,188,500 | 3,088 |
| Average total loans | $148,622,500 | 2,653 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9358% | 3,177 |
| Cost of funding earning assets | 0.9184% | 3,971 |
| Net interest margin | 4.0175% | 2,802 |
| Noninterest income to average assets | 0.3924% | 4,680 |
| Noninterest expense to average assets | 2.4750% | 5,555 |
| Loan and lease loss provision to assets | 0.0749% | 5,678 |
| Net operating income to assets | 1.0019% | 2,187 |
| Return on assets (ROA) | 0.9795% | 2,419 |
| Pretax return on assets | 1.5306% | 1,393 |
| Return on Equity (ROE) | 11.4071% | 1,584 |
| Retained earnings to average equity (ytd only) | 8.5267% | 916 |
| Net charge-offs to loans | 0.0376% | 5,940 |
| Credit loss provision to net charge-offs | 318.1818% | 735 |
| Earnings coverage of net charge-offs (x) | 69.7091% | 427 |
| Efficiency ratio | 60.1372% | 5,735 |
| Assets per employee ($millions) | 4.4827% | 2,942 |
| Cash dividends to net income (ytd only)* | 25.2512% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 3,912 |
| Loan loss allowance to noncurrent loans | 145.6633% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.7957% | 5,041 |
| Noncurrent loans to loans | 1.0462% | 4,616 |
| Net loans and leases to total assets | 60.9697% | 3,796 |
| Net loans and leases to deposits | 73.0737% | 3,652 |
| Net loans and leases to core deposits | 79.2507% | 3,540 |
| Total domestic deposits to total assets | 83.4359% | 4,575 |
| Equity capital to assets | 8.7022% | 5,894 |
| Core capital (leverage) ratio | 8.4576% | 5,629 |
| Tier 1 risk-based capital ratio | 12.1025% | 5,759 |
| Total risk-based capital ratio | 13.3526% | 5,739 |
| Memoranda: | ||
| Average total assets | $233,698,800 | 2,689 |
| Average earning assets | $216,579,400 | 2,653 |
| Average equity | $20,066,400 | 3,133 |
| Average total loans | $146,386,800 | 2,689 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9689% | 3,251 |
| Cost of funding earning assets | 0.9364% | 4,145 |
| Net interest margin | 4.0325% | 2,766 |
| Noninterest income to average assets | 0.3517% | 5,042 |
| Noninterest expense to average assets | 2.4409% | 5,658 |
| Loan and lease loss provision to assets | 0.0720% | 5,555 |
| Net operating income to assets | 1.0088% | 2,287 |
| Return on assets (ROA) | 0.9856% | 2,532 |
| Pretax return on assets | 1.5434% | 1,535 |
| Return on Equity (ROE) | 11.5186% | 1,682 |
| Retained earnings to average equity (ytd only) | 8.6322% | 1,269 |
| Net charge-offs to loans | 0.0531% | 5,440 |
| Credit loss provision to net charge-offs | 215.5172% | 1,334 |
| Earnings coverage of net charge-offs (x) | 49.4664% | 648 |
| Efficiency ratio | 59.6427% | 5,775 |
| Assets per employee ($millions) | 4.4577% | 2,991 |
| Cash dividends to net income (ytd only)* | 25.0586% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4413% | 4,365 |
| Loan loss allowance to noncurrent loans | 217.4464% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.5686% | 5,694 |
| Noncurrent loans to loans | 0.6628% | 5,561 |
| Net loans and leases to total assets | 62.2242% | 3,667 |
| Net loans and leases to deposits | 73.8271% | 3,679 |
| Net loans and leases to core deposits | 78.7058% | 3,801 |
| Total domestic deposits to total assets | 84.2838% | 4,106 |
| Equity capital to assets | 8.4495% | 6,354 |
| Core capital (leverage) ratio | 8.5305% | 5,663 |
| Tier 1 risk-based capital ratio | 11.6398% | 6,146 |
| Total risk-based capital ratio | 13.3542% | 5,809 |
| Memoranda: | ||
| Average total assets | $231,607,000 | 2,715 |
| Average earning assets | $214,849,000 | 2,686 |
| Average equity | $19,816,750 | 3,179 |
| Average total loans | $145,515,750 | 2,722 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9466% | 3,410 |
| Cost of funding earning assets | 0.9446% | 4,362 |
| Net interest margin | 4.0019% | 2,827 |
| Noninterest income to average assets | 0.2986% | 5,499 |
| Noninterest expense to average assets | 2.4713% | 5,639 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9833% | 2,291 |
| Return on assets (ROA) | 0.9433% | 2,558 |
| Pretax return on assets | 1.4735% | 1,606 |
| Return on Equity (ROE) | 10.9750% | 1,805 |
| Retained earnings to average equity (ytd only) | 7.1425% | 1,811 |
| Net charge-offs to loans | 0.0323% | 5,394 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 75.8261% | 451 |
| Efficiency ratio | 61.6703% | 5,632 |
| Assets per employee ($millions) | 4.2566% | 3,241 |
| Cash dividends to net income (ytd only)* | 34.9206% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 4,173 |
| Loan loss allowance to noncurrent loans | 183.8627% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.6629% | 5,575 |
| Noncurrent loans to loans | 0.8111% | 5,303 |
| Net loans and leases to total assets | 60.4396% | 4,195 |
| Net loans and leases to deposits | 70.2560% | 4,407 |
| Net loans and leases to core deposits | 74.6942% | 4,484 |
| Total domestic deposits to total assets | 86.0277% | 3,310 |
| Equity capital to assets | 8.5805% | 6,079 |
| Core capital (leverage) ratio | 8.8281% | 5,003 |
| Tier 1 risk-based capital ratio | 11.9343% | 5,841 |
| Total risk-based capital ratio | 13.6745% | 5,402 |
| Memoranda: | ||
| Average total assets | $227,085,000 | 2,783 |
| Average earning assets | $210,449,000 | 2,754 |
| Average equity | $19,517,000 | 3,196 |
| Average total loans | $142,425,000 | 2,800 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9894% | 3,152 |
| Cost of funding earning assets | 0.9681% | 4,440 |
| Net interest margin | 4.0213% | 2,602 |
| Noninterest income to average assets | 0.0197% | 7,247 |
| Noninterest expense to average assets | 2.2955% | 6,199 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9518% | 2,345 |
| Return on assets (ROA) | 0.9518% | 2,412 |
| Pretax return on assets | 1.4474% | 1,608 |
| Return on Equity (ROE) | 11.0652% | 1,717 |
| Retained earnings to average equity (ytd only) | 8.6525% | 1,506 |
| Net charge-offs to loans | -0.2567% | 7,308 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3289% | 5,791 |
| Assets per employee ($millions) | 3.8608% | 4,160 |
| Cash dividends to net income (ytd only)* | 21.8045% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6150% | 3,672 |
| Loan loss allowance to noncurrent loans | 112.0775% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 1.1206% | 4,683 |
| Noncurrent loans to loans | 1.4410% | 4,307 |
| Net loans and leases to total assets | 62.4230% | 3,771 |
| Net loans and leases to deposits | 73.8176% | 3,785 |
| Net loans and leases to core deposits | 77.9359% | 4,029 |
| Total domestic deposits to total assets | 84.5639% | 4,243 |
| Equity capital to assets | 8.8654% | 5,401 |
| Core capital (leverage) ratio | 8.7987% | 4,933 |
| Tier 1 risk-based capital ratio | 12.2686% | 5,463 |
| Total risk-based capital ratio | 14.0301% | 4,969 |
| Memoranda: | ||
| Average total assets | $223,571,000 | 2,845 |
| Average earning assets | $206,997,000 | 2,818 |
| Average equity | $19,231,500 | 3,226 |
| Average total loans | $141,818,000 | 2,848 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5754% | 1,989 |
| Cost of funding earning assets | 1.2834% | 3,991 |
| Net interest margin | 4.2920% | 1,849 |
| Noninterest income to average assets | 0.4928% | 4,222 |
| Noninterest expense to average assets | 2.9487% | 4,040 |
| Loan and lease loss provision to assets | 0.2740% | 4,611 |
| Net operating income to assets | 0.7905% | 2,849 |
| Return on assets (ROA) | 0.8979% | 2,526 |
| Pretax return on assets | 1.3948% | 1,678 |
| Return on Equity (ROE) | 10.7091% | 1,681 |
| Retained earnings to average equity (ytd only) | 9.0429% | 688 |
| Net charge-offs to loans | 0.5320% | 3,491 |
| Credit loss provision to net charge-offs | 76.3224% | 5,686 |
| Earnings coverage of net charge-offs (x) | 4.1814% | 3,031 |
| Efficiency ratio | 66.2670% | 4,924 |
| Assets per employee ($millions) | 4.0549% | 3,675 |
| Cash dividends to net income (ytd only)* | 15.5589% | 3,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 3,993 |
| Loan loss allowance to noncurrent loans | 102.7053% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 1.1424% | 4,721 |
| Noncurrent loans to loans | 1.4631% | 4,289 |
| Net loans and leases to total assets | 62.4660% | 4,179 |
| Net loans and leases to deposits | 73.4947% | 4,277 |
| Net loans and leases to core deposits | 77.5999% | 4,510 |
| Total domestic deposits to total assets | 84.9939% | 3,848 |
| Equity capital to assets | 8.3466% | 6,081 |
| Core capital (leverage) ratio | 8.4032% | 5,526 |
| Tier 1 risk-based capital ratio | 11.6228% | 5,798 |
| Total risk-based capital ratio | 13.3682% | 5,348 |
| Memoranda: | ||
| Average total assets | $221,183,200 | 2,851 |
| Average earning assets | $203,913,000 | 2,820 |
| Average equity | $18,545,000 | 3,344 |
| Average total loans | $149,258,400 | 2,788 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7282% | 1,613 |
| Cost of funding earning assets | 1.3547% | 3,866 |
| Net interest margin | 4.3734% | 1,605 |
| Noninterest income to average assets | 0.4224% | 4,782 |
| Noninterest expense to average assets | 2.8965% | 4,102 |
| Loan and lease loss provision to assets | 0.2980% | 4,194 |
| Net operating income to assets | 0.7998% | 2,994 |
| Return on assets (ROA) | 0.9248% | 2,649 |
| Pretax return on assets | 1.4491% | 1,749 |
| Return on Equity (ROE) | 11.0175% | 1,778 |
| Retained earnings to average equity (ytd only) | 9.6222% | 888 |
| Net charge-offs to loans | 0.3135% | 4,083 |
| Credit loss provision to net charge-offs | 138.7006% | 2,879 |
| Earnings coverage of net charge-offs (x) | 7.2231% | 2,365 |
| Efficiency ratio | 65.1160% | 5,034 |
| Assets per employee ($millions) | 3.9883% | 3,862 |
| Cash dividends to net income (ytd only)* | 12.6642% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6579% | 3,305 |
| Loan loss allowance to noncurrent loans | 91.8111% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 1.5581% | 4,108 |
| Noncurrent loans to loans | 1.8057% | 3,939 |
| Net loans and leases to total assets | 66.1059% | 3,668 |
| Net loans and leases to deposits | 77.9654% | 3,832 |
| Net loans and leases to core deposits | 84.0988% | 3,917 |
| Total domestic deposits to total assets | 84.7889% | 3,727 |
| Equity capital to assets | 8.5814% | 6,182 |
| Core capital (leverage) ratio | 8.1374% | 6,140 |
| Tier 1 risk-based capital ratio | 11.1020% | 6,280 |
| Total risk-based capital ratio | 12.8336% | 5,838 |
| Memoranda: | ||
| Average total assets | $219,710,500 | 2,919 |
| Average earning assets | $202,246,500 | 2,889 |
| Average equity | $18,443,000 | 3,403 |
| Average total loans | $150,571,000 | 2,802 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8397% | 1,320 |
| Cost of funding earning assets | 1.3920% | 3,924 |
| Net interest margin | 4.4477% | 1,324 |
| Noninterest income to average assets | 0.3725% | 5,157 |
| Noninterest expense to average assets | 2.9556% | 3,871 |
| Loan and lease loss provision to assets | 0.4494% | 3,078 |
| Net operating income to assets | 0.6683% | 3,540 |
| Return on assets (ROA) | 0.8183% | 3,035 |
| Pretax return on assets | 1.2934% | 2,106 |
| Return on Equity (ROE) | 9.8231% | 2,167 |
| Retained earnings to average equity (ytd only) | 8.9770% | 1,114 |
| Net charge-offs to loans | 0.6277% | 2,659 |
| Credit loss provision to net charge-offs | 103.8055% | 3,928 |
| Earnings coverage of net charge-offs (x) | 3.4841% | 3,305 |
| Efficiency ratio | 66.2087% | 4,947 |
| Assets per employee ($millions) | 3.9950% | 3,780 |
| Cash dividends to net income (ytd only)* | 8.6130% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5719% | 3,572 |
| Loan loss allowance to noncurrent loans | 85.1599% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 1.5735% | 4,099 |
| Noncurrent loans to loans | 1.8459% | 3,941 |
| Net loans and leases to total assets | 64.0454% | 4,256 |
| Net loans and leases to deposits | 75.5046% | 4,421 |
| Net loans and leases to core deposits | 82.9847% | 4,278 |
| Total domestic deposits to total assets | 84.8232% | 3,716 |
| Equity capital to assets | 8.0157% | 6,745 |
| Core capital (leverage) ratio | 8.0953% | 6,125 |
| Tier 1 risk-based capital ratio | 10.6652% | 6,554 |
| Total risk-based capital ratio | 12.3919% | 6,089 |
| Memoranda: | ||
| Average total assets | $218,499,670 | 2,957 |
| Average earning assets | $201,004,670 | 2,932 |
| Average equity | $18,202,000 | 3,432 |
| Average total loans | $150,717,330 | 2,823 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3227% | 507 |
| Cost of funding earning assets | 1.4359% | 3,954 |
| Net interest margin | 4.8867% | 534 |
| Noninterest income to average assets | 0.3209% | 5,581 |
| Noninterest expense to average assets | 2.6013% | 5,353 |
| Loan and lease loss provision to assets | 0.9269% | 1,367 |
| Net operating income to assets | 0.7653% | 3,135 |
| Return on assets (ROA) | 1.1156% | 1,862 |
| Pretax return on assets | 1.8179% | 851 |
| Return on Equity (ROE) | 13.1213% | 1,232 |
| Retained earnings to average equity (ytd only) | 11.9002% | 761 |
| Net charge-offs to loans | 1.3033% | 1,311 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 2.3707% | 3,355 |
| Efficiency ratio | 54.2093% | 6,950 |
| Assets per employee ($millions) | 3.7323% | 4,493 |
| Cash dividends to net income (ytd only)* | 9.3063% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5508% | 3,659 |
| Loan loss allowance to noncurrent loans | 73.7535% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.9667% | 3,538 |
| Noncurrent loans to loans | 2.1027% | 3,654 |
| Net loans and leases to total assets | 70.1852% | 2,886 |
| Net loans and leases to deposits | 83.3145% | 3,059 |
| Net loans and leases to core deposits | 91.2319% | 3,209 |
| Total domestic deposits to total assets | 84.2413% | 4,024 |
| Equity capital to assets | 8.5649% | 5,917 |
| Core capital (leverage) ratio | 8.3783% | 5,598 |
| Tier 1 risk-based capital ratio | 10.4272% | 6,698 |
| Total risk-based capital ratio | 12.1505% | 6,229 |
| Memoranda: | ||
| Average total assets | $211,895,000 | 3,082 |
| Average earning assets | $194,159,000 | 3,073 |
| Average equity | $18,016,500 | 3,477 |
| Average total loans | $150,691,500 | 2,882 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7675% | 2,791 |
| Cost of funding earning assets | 1.8906% | 3,514 |
| Net interest margin | 3.8769% | 3,364 |
| Noninterest income to average assets | 0.5881% | 3,730 |
| Noninterest expense to average assets | 3.0141% | 4,096 |
| Loan and lease loss provision to assets | 0.7374% | 2,902 |
| Net operating income to assets | 0.2342% | 4,785 |
| Return on assets (ROA) | 0.2826% | 4,690 |
| Pretax return on assets | 0.4446% | 4,364 |
| Return on Equity (ROE) | 3.4859% | 4,292 |
| Retained earnings to average equity (ytd only) | -11.9226% | 6,674 |
| Net charge-offs to loans | 0.4531% | 3,968 |
| Credit loss provision to net charge-offs | 232.5688% | 1,574 |
| Earnings coverage of net charge-offs (x) | 3.4893% | 3,324 |
| Efficiency ratio | 73.1498% | 4,065 |
| Assets per employee ($millions) | 3.6388% | 4,672 |
| Cash dividends to net income (ytd only)* | 442.0240% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5703% | 3,399 |
| Loan loss allowance to noncurrent loans | 30.5364% | 6,432 |
| Noncurrent assets plus other real estate owned to assets | 4.1009% | 1,608 |
| Noncurrent loans to loans | 5.1423% | 1,297 |
| Net loans and leases to total assets | 69.8261% | 3,297 |
| Net loans and leases to deposits | 83.6112% | 3,345 |
| Net loans and leases to core deposits | 96.2058% | 4,448 |
| Total domestic deposits to total assets | 83.5129% | 4,276 |
| Equity capital to assets | 8.4397% | 5,995 |
| Core capital (leverage) ratio | 8.0281% | 6,122 |
| Tier 1 risk-based capital ratio | 10.1649% | 6,716 |
| Total risk-based capital ratio | 11.8916% | 6,231 |
| Memoranda: | ||
| Average total assets | $206,266,800 | 3,105 |
| Average earning assets | $187,932,000 | 3,116 |
| Average equity | $16,724,600 | 3,727 |
| Average total loans | $144,353,200 | 3,011 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7762% | 3,001 |
| Cost of funding earning assets | 1.9754% | 3,486 |
| Net interest margin | 3.8008% | 3,654 |
| Noninterest income to average assets | 0.4805% | 4,665 |
| Noninterest expense to average assets | 3.0129% | 3,994 |
| Loan and lease loss provision to assets | 0.5988% | 2,994 |
| Net operating income to assets | 0.2050% | 5,135 |
| Return on assets (ROA) | 0.2607% | 5,040 |
| Pretax return on assets | 0.4187% | 4,746 |
| Return on Equity (ROE) | 3.2496% | 4,679 |
| Retained earnings to average equity (ytd only) | -16.7263% | 7,220 |
| Net charge-offs to loans | 0.2778% | 4,303 |
| Credit loss provision to net charge-offs | 309.0604% | 1,334 |
| Earnings coverage of net charge-offs (x) | 4.8020% | 3,006 |
| Efficiency ratio | 76.4056% | 3,434 |
| Assets per employee ($millions) | 3.5378% | 4,840 |
| Cash dividends to net income (ytd only)* | 614.7162% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5089% | 3,388 |
| Loan loss allowance to noncurrent loans | 29.5607% | 6,489 |
| Noncurrent assets plus other real estate owned to assets | 4.0444% | 1,574 |
| Noncurrent loans to loans | 5.1043% | 1,268 |
| Net loans and leases to total assets | 68.9142% | 3,737 |
| Net loans and leases to deposits | 82.8596% | 3,856 |
| Net loans and leases to core deposits | 101.7890% | 4,176 |
| Total domestic deposits to total assets | 83.1698% | 4,136 |
| Equity capital to assets | 8.3536% | 6,440 |
| Core capital (leverage) ratio | 8.0931% | 6,191 |
| Tier 1 risk-based capital ratio | 10.2625% | 6,721 |
| Total risk-based capital ratio | 12.1155% | 6,049 |
| Memoranda: | ||
| Average total assets | $205,071,000 | 3,145 |
| Average earning assets | $186,831,000 | 3,151 |
| Average equity | $16,452,750 | 3,820 |
| Average total loans | $143,011,750 | 3,062 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7967% | 3,060 |
| Cost of funding earning assets | 2.0642% | 3,453 |
| Net interest margin | 3.7325% | 3,821 |
| Noninterest income to average assets | 0.5289% | 4,194 |
| Noninterest expense to average assets | 3.0581% | 3,856 |
| Loan and lease loss provision to assets | 0.7401% | 2,215 |
| Net operating income to assets | 0.0827% | 5,614 |
| Return on assets (ROA) | 0.0937% | 5,681 |
| Pretax return on assets | 0.1332% | 5,596 |
| Return on Equity (ROE) | 1.1855% | 5,576 |
| Retained earnings to average equity (ytd only) | -1.2105% | 5,541 |
| Net charge-offs to loans | 0.2593% | 3,891 |
| Credit loss provision to net charge-offs | 409.8361% | 1,131 |
| Earnings coverage of net charge-offs (x) | 4.7486% | 3,017 |
| Efficiency ratio | 78.0998% | 3,334 |
| Assets per employee ($millions) | 3.4324% | 4,999 |
| Cash dividends to net income (ytd only)* | 202.1053% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5085% | 3,139 |
| Loan loss allowance to noncurrent loans | 39.8467% | 5,733 |
| Noncurrent assets plus other real estate owned to assets | 3.1538% | 1,993 |
| Noncurrent loans to loans | 3.7857% | 1,812 |
| Net loans and leases to total assets | 69.2418% | 3,894 |
| Net loans and leases to deposits | 83.9147% | 3,893 |
| Net loans and leases to core deposits | 102.7496% | 4,206 |
| Total domestic deposits to total assets | 82.5145% | 4,470 |
| Equity capital to assets | 8.3776% | 6,230 |
| Core capital (leverage) ratio | 8.3380% | 5,729 |
| Tier 1 risk-based capital ratio | 10.4587% | 6,417 |
| Total risk-based capital ratio | 12.3280% | 5,719 |
| Memoranda: | ||
| Average total assets | $202,672,330 | 3,198 |
| Average earning assets | $183,898,670 | 3,213 |
| Average equity | $16,026,330 | 3,918 |
| Average total loans | $141,174,670 | 3,122 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9531% | 2,551 |
| Cost of funding earning assets | 2.2016% | 3,160 |
| Net interest margin | 3.7514% | 3,650 |
| Noninterest income to average assets | 0.4974% | 4,339 |
| Noninterest expense to average assets | 3.0681% | 3,497 |
| Loan and lease loss provision to assets | 1.1043% | 1,181 |
| Net operating income to assets | -0.1696% | 6,509 |
| Return on assets (ROA) | -0.1492% | 6,583 |
| Pretax return on assets | -0.2766% | 6,649 |
| Return on Equity (ROE) | -1.9464% | 6,650 |
| Retained earnings to average equity (ytd only) | -6.9292% | 6,786 |
| Net charge-offs to loans | 0.1378% | 3,859 |
| Credit loss provision to net charge-offs | 1,156.2500% | 552 |
| Earnings coverage of net charge-offs (x) | 8.3333% | 2,206 |
| Efficiency ratio | 79.4027% | 2,928 |
| Assets per employee ($millions) | 3.4128% | 5,039 |
| Cash dividends to net income (ytd only)* | -256.0000% | 8,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5111% | 2,919 |
| Loan loss allowance to noncurrent loans | 49.4071% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 2.6760% | 2,137 |
| Noncurrent loans to loans | 3.0584% | 2,127 |
| Net loans and leases to total assets | 69.9714% | 3,675 |
| Net loans and leases to deposits | 84.1175% | 3,963 |
| Net loans and leases to core deposits | 98.9668% | 4,648 |
| Total domestic deposits to total assets | 83.1829% | 4,057 |
| Equity capital to assets | 7.7462% | 7,131 |
| Core capital (leverage) ratio | 7.4231% | 7,251 |
| Tier 1 risk-based capital ratio | 9.9768% | 6,953 |
| Total risk-based capital ratio | 11.8998% | 6,153 |
| Memoranda: | ||
| Average total assets | $201,037,500 | 3,227 |
| Average earning assets | $180,411,500 | 3,271 |
| Average equity | $15,413,000 | 4,057 |
| Average total loans | $139,371,000 | 3,176 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4036% | 3,401 |
| Cost of funding earning assets | 3.1310% | 1,411 |
| Net interest margin | 3.2726% | 6,127 |
| Noninterest income to average assets | 0.3275% | 6,101 |
| Noninterest expense to average assets | 2.7114% | 5,219 |
| Loan and lease loss provision to assets | 0.1453% | 5,500 |
| Net operating income to assets | 0.3013% | 5,534 |
| Return on assets (ROA) | 0.3047% | 5,345 |
| Pretax return on assets | 0.4316% | 5,177 |
| Return on Equity (ROE) | 4.2290% | 4,722 |
| Retained earnings to average equity (ytd only) | 2.8036% | 3,438 |
| Net charge-offs to loans | 0.6170% | 1,990 |
| Credit loss provision to net charge-offs | 32.6442% | 6,503 |
| Earnings coverage of net charge-offs (x) | 1.2851% | 5,487 |
| Efficiency ratio | 82.5760% | 2,228 |
| Assets per employee ($millions) | 3.5813% | 4,469 |
| Cash dividends to net income (ytd only)* | 33.7043% | 3,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1715% | 4,764 |
| Loan loss allowance to noncurrent loans | 40.9413% | 5,990 |
| Noncurrent assets plus other real estate owned to assets | 2.4288% | 1,998 |
| Noncurrent loans to loans | 2.8614% | 1,889 |
| Net loans and leases to total assets | 66.8664% | 4,667 |
| Net loans and leases to deposits | 79.7435% | 5,089 |
| Net loans and leases to core deposits | 93.4277% | 5,505 |
| Total domestic deposits to total assets | 83.8518% | 3,393 |
| Equity capital to assets | 7.5896% | 7,309 |
| Core capital (leverage) ratio | 7.3343% | 7,382 |
| Tier 1 risk-based capital ratio | 9.8302% | 6,919 |
| Total risk-based capital ratio | 11.5364% | 6,308 |
| Memoranda: | ||
| Average total assets | $206,427,800 | 3,048 |
| Average earning assets | $186,457,200 | 3,093 |
| Average equity | $14,873,600 | 4,167 |
| Average total loans | $148,958,400 | 2,948 |