Home > Security Bank > Performance and Condition Ratios
Security Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7107% | 286 |
| Cost of funding earning assets | 2.7632% | 222 |
| Net interest margin | 3.9475% | 1,280 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 1.6318% | 4,216 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 2.1030% | 396 |
| Return on assets (ROA) | 2.1030% | 387 |
| Pretax return on assets | 2.1823% | 503 |
| Return on Equity (ROE) | 19.5000% | 655 |
| Retained earnings to average equity (ytd only) | 7.5559% | 1,681 |
| Net charge-offs to loans | 0.0381% | 1,548 |
| Credit loss provision to net charge-offs | 388.6275% | 797 |
| Earnings coverage of net charge-offs (x) | 72.8549% | 1,079 |
| Efficiency ratio | 40.8419% | 4,347 |
| Assets per employee ($millions) | 13.2183% | 313 |
| Cash dividends to net income (ytd only)* | 61.2523% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0638% | 338 |
| Loan loss allowance to noncurrent loans | 194.0817% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.9195% | 542 |
| Noncurrent loans to loans | 1.0634% | 692 |
| Net loans and leases to total assets | 84.6900% | 225 |
| Net loans and leases to deposits | 95.1874% | 852 |
| Net loans and leases to core deposits | 112.5782% | 864 |
| Total domestic deposits to total assets | 88.9700% | 1,073 |
| Equity capital to assets | 10.7462% | 1,605 |
| Core capital (leverage) ratio | 11.0225% | 1,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3179% | 2,124 |
| Memoranda: | ||
| Average total assets | $786,020,600 | 1,200 |
| Average earning assets | $767,253,400 | 1,145 |
| Average equity | $84,768,200 | 1,083 |
| Average total loans | $669,908,400 | 1,002 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5459% | 294 |
| Cost of funding earning assets | 2.6319% | 225 |
| Net interest margin | 3.9140% | 1,369 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 1.6161% | 4,225 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 2.0749% | 451 |
| Return on assets (ROA) | 2.0749% | 445 |
| Pretax return on assets | 2.1560% | 590 |
| Return on Equity (ROE) | 19.2200% | 799 |
| Retained earnings to average equity (ytd only) | 8.3420% | 1,855 |
| Net charge-offs to loans | 0.0143% | 1,878 |
| Credit loss provision to net charge-offs | 973.2394% | 415 |
| Earnings coverage of net charge-offs (x) | 192.9577% | 616 |
| Efficiency ratio | 40.7593% | 4,341 |
| Assets per employee ($millions) | 12.8938% | 306 |
| Cash dividends to net income (ytd only)* | 56.6022% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1247% | 330 |
| Loan loss allowance to noncurrent loans | 200.8304% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.9038% | 599 |
| Noncurrent loans to loans | 1.0580% | 754 |
| Net loans and leases to total assets | 83.6100% | 314 |
| Net loans and leases to deposits | 94.2012% | 880 |
| Net loans and leases to core deposits | 110.0632% | 872 |
| Total domestic deposits to total assets | 88.7600% | 1,328 |
| Equity capital to assets | 10.7998% | 1,431 |
| Core capital (leverage) ratio | 11.1304% | 1,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6154% | 2,038 |
| Memoranda: | ||
| Average total assets | $777,642,000 | 1,205 |
| Average earning assets | $758,253,500 | 1,160 |
| Average equity | $83,943,000 | 1,087 |
| Average total loans | $660,216,500 | 1,011 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3951% | 286 |
| Cost of funding earning assets | 2.4764% | 202 |
| Net interest margin | 3.9187% | 1,389 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.6054% | 4,256 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 2.1036% | 401 |
| Return on assets (ROA) | 2.1036% | 395 |
| Pretax return on assets | 2.1768% | 552 |
| Return on Equity (ROE) | 19.4900% | 766 |
| Retained earnings to average equity (ytd only) | 9.3883% | 1,577 |
| Net charge-offs to loans | 0.0184% | 1,538 |
| Credit loss provision to net charge-offs | 610.0000% | 567 |
| Earnings coverage of net charge-offs (x) | 153.0833% | 743 |
| Efficiency ratio | 40.2368% | 4,388 |
| Assets per employee ($millions) | 13.3691% | 273 |
| Cash dividends to net income (ytd only)* | 51.8327% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1732% | 322 |
| Loan loss allowance to noncurrent loans | 357.3119% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.5037% | 1,079 |
| Noncurrent loans to loans | 0.6082% | 1,228 |
| Net loans and leases to total assets | 81.0100% | 521 |
| Net loans and leases to deposits | 91.0808% | 1,103 |
| Net loans and leases to core deposits | 107.0157% | 947 |
| Total domestic deposits to total assets | 88.9500% | 1,278 |
| Equity capital to assets | 10.7993% | 1,463 |
| Core capital (leverage) ratio | 11.1979% | 1,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9565% | 1,915 |
| Memoranda: | ||
| Average total assets | $770,385,000 | 1,210 |
| Average earning assets | $752,394,000 | 1,164 |
| Average equity | $83,145,667 | 1,095 |
| Average total loans | $652,647,667 | 1,006 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1750% | 256 |
| Cost of funding earning assets | 2.3551% | 129 |
| Net interest margin | 3.8199% | 1,647 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 1.5880% | 4,317 |
| Loan and lease loss provision to assets | 0.3200% | 260 |
| Net operating income to assets | 1.9385% | 540 |
| Return on assets (ROA) | 1.9385% | 535 |
| Pretax return on assets | 1.9827% | 805 |
| Return on Equity (ROE) | 17.9700% | 1,033 |
| Retained earnings to average equity (ytd only) | 7.7392% | 2,305 |
| Net charge-offs to loans | 0.0356% | 1,021 |
| Credit loss provision to net charge-offs | 286.2069% | 705 |
| Earnings coverage of net charge-offs (x) | 75.3966% | 918 |
| Efficiency ratio | 40.8654% | 4,423 |
| Assets per employee ($millions) | 14.0043% | 248 |
| Cash dividends to net income (ytd only)* | 56.9260% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1421% | 350 |
| Loan loss allowance to noncurrent loans | 345.4590% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.5167% | 1,005 |
| Noncurrent loans to loans | 0.6201% | 1,210 |
| Net loans and leases to total assets | 81.5400% | 416 |
| Net loans and leases to deposits | 91.5195% | 948 |
| Net loans and leases to core deposits | 106.2167% | 827 |
| Total domestic deposits to total assets | 89.0900% | 1,514 |
| Equity capital to assets | 10.5821% | 1,520 |
| Core capital (leverage) ratio | 11.1509% | 1,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6704% | 2,106 |
| Memoranda: | ||
| Average total assets | $761,189,500 | 1,238 |
| Average earning assets | $743,062,000 | 1,191 |
| Average equity | $82,127,500 | 1,114 |
| Average total loans | $652,362,000 | 1,015 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7585% | 461 |
| Cost of funding earning assets | 0.8585% | 310 |
| Net interest margin | 3.9000% | 955 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.5463% | 4,374 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 2.1507% | 233 |
| Return on assets (ROA) | 2.1507% | 223 |
| Pretax return on assets | 2.2592% | 284 |
| Return on Equity (ROE) | 20.6200% | 417 |
| Retained earnings to average equity (ytd only) | 7.9776% | 1,840 |
| Net charge-offs to loans | 0.0179% | 1,744 |
| Credit loss provision to net charge-offs | 1,523.8095% | 321 |
| Earnings coverage of net charge-offs (x) | 177.6095% | 707 |
| Efficiency ratio | 38.4887% | 4,571 |
| Assets per employee ($millions) | 13.1810% | 292 |
| Cash dividends to net income (ytd only)* | 61.3062% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1328% | 338 |
| Loan loss allowance to noncurrent loans | 279.8147% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.6725% | 734 |
| Noncurrent loans to loans | 0.7622% | 984 |
| Net loans and leases to total assets | 86.3500% | 138 |
| Net loans and leases to deposits | 98.6340% | 494 |
| Net loans and leases to core deposits | 114.5464% | 472 |
| Total domestic deposits to total assets | 87.5400% | 2,219 |
| Equity capital to assets | 11.0096% | 1,253 |
| Core capital (leverage) ratio | 11.4515% | 1,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5809% | 2,136 |
| Memoranda: | ||
| Average total assets | $754,643,200 | 1,239 |
| Average earning assets | $739,351,400 | 1,181 |
| Average equity | $78,720,600 | 1,148 |
| Average total loans | $586,354,600 | 1,050 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4192% | 559 |
| Cost of funding earning assets | 0.7047% | 262 |
| Net interest margin | 3.7145% | 1,102 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.5215% | 4,397 |
| Loan and lease loss provision to assets | 0.2800% | 264 |
| Net operating income to assets | 1.9355% | 323 |
| Return on assets (ROA) | 1.9355% | 320 |
| Pretax return on assets | 2.0399% | 429 |
| Return on Equity (ROE) | 18.8100% | 543 |
| Retained earnings to average equity (ytd only) | 7.7948% | 2,085 |
| Net charge-offs to loans | 0.0103% | 1,733 |
| Credit loss provision to net charge-offs | 3,636.3636% | 156 |
| Earnings coverage of net charge-offs (x) | 300.2045% | 471 |
| Efficiency ratio | 39.5967% | 4,582 |
| Assets per employee ($millions) | 12.8644% | 310 |
| Cash dividends to net income (ytd only)* | 58.5565% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3467% | 270 |
| Loan loss allowance to noncurrent loans | 265.8346% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.7157% | 723 |
| Noncurrent loans to loans | 0.8828% | 890 |
| Net loans and leases to total assets | 79.1700% | 603 |
| Net loans and leases to deposits | 88.9693% | 966 |
| Net loans and leases to core deposits | 102.2169% | 734 |
| Total domestic deposits to total assets | 88.9900% | 2,093 |
| Equity capital to assets | 10.8137% | 1,246 |
| Core capital (leverage) ratio | 10.9579% | 1,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0842% | 2,029 |
| Memoranda: | ||
| Average total assets | $758,769,750 | 1,236 |
| Average earning assets | $744,135,750 | 1,181 |
| Average equity | $78,084,250 | 1,167 |
| Average total loans | $570,127,250 | 1,069 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1269% | 732 |
| Cost of funding earning assets | 0.5929% | 291 |
| Net interest margin | 3.5340% | 1,219 |
| Noninterest income to average assets | 0.2046% | 3,969 |
| Noninterest expense to average assets | 1.4715% | 4,453 |
| Loan and lease loss provision to assets | 0.3128% | 209 |
| Net operating income to assets | 1.7926% | 344 |
| Return on assets (ROA) | 1.7926% | 339 |
| Pretax return on assets | 1.8864% | 480 |
| Return on Equity (ROE) | 17.7057% | 508 |
| Retained earnings to average equity (ytd only) | 8.3083% | 1,508 |
| Net charge-offs to loans | 0.0028% | 1,970 |
| Credit loss provision to net charge-offs | 15,000.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 1,054.6250% | 123 |
| Efficiency ratio | 40.0866% | 4,606 |
| Assets per employee ($millions) | 13.3696% | 270 |
| Cash dividends to net income (ytd only)* | 53.0755% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3099% | 324 |
| Loan loss allowance to noncurrent loans | 320.4481% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.5564% | 1,030 |
| Noncurrent loans to loans | 0.7208% | 1,201 |
| Net loans and leases to total assets | 75.4032% | 785 |
| Net loans and leases to deposits | 84.1511% | 1,109 |
| Net loans and leases to core deposits | 97.6498% | 769 |
| Total domestic deposits to total assets | 89.6046% | 1,895 |
| Equity capital to assets | 10.3016% | 1,533 |
| Core capital (leverage) ratio | 10.2373% | 2,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9610% | 2,081 |
| Memoranda: | ||
| Average total assets | $767,269,333 | 1,229 |
| Average earning assets | $752,525,000 | 1,184 |
| Average equity | $77,681,000 | 1,201 |
| Average total loans | $562,002,000 | 1,071 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8602% | 986 |
| Cost of funding earning assets | 0.5842% | 289 |
| Net interest margin | 3.2760% | 1,628 |
| Noninterest income to average assets | 0.2759% | 3,489 |
| Noninterest expense to average assets | 1.4330% | 4,500 |
| Loan and lease loss provision to assets | 0.3117% | 194 |
| Net operating income to assets | 1.6647% | 439 |
| Return on assets (ROA) | 1.6647% | 442 |
| Pretax return on assets | 1.7478% | 620 |
| Return on Equity (ROE) | 16.5862% | 468 |
| Retained earnings to average equity (ytd only) | 5.9739% | 2,264 |
| Net charge-offs to loans | 0.0044% | 1,605 |
| Credit loss provision to net charge-offs | 10,000.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 660.6667% | 149 |
| Efficiency ratio | 41.0295% | 4,625 |
| Assets per employee ($millions) | 14.1358% | 240 |
| Cash dividends to net income (ytd only)* | 63.9825% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3376% | 349 |
| Loan loss allowance to noncurrent loans | 360.5051% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.4634% | 1,318 |
| Noncurrent loans to loans | 0.6484% | 1,453 |
| Net loans and leases to total assets | 69.7996% | 1,040 |
| Net loans and leases to deposits | 77.6084% | 1,318 |
| Net loans and leases to core deposits | 94.4443% | 714 |
| Total domestic deposits to total assets | 89.9383% | 1,602 |
| Equity capital to assets | 9.9407% | 1,940 |
| Core capital (leverage) ratio | 10.0952% | 2,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3123% | 2,072 |
| Memoranda: | ||
| Average total assets | $769,870,000 | 1,228 |
| Average earning assets | $755,921,500 | 1,184 |
| Average equity | $77,269,000 | 1,228 |
| Average total loans | $548,897,500 | 1,081 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3510% | 780 |
| Cost of funding earning assets | 0.6438% | 436 |
| Net interest margin | 3.7073% | 1,193 |
| Noninterest income to average assets | 0.2004% | 4,164 |
| Noninterest expense to average assets | 1.4254% | 4,604 |
| Loan and lease loss provision to assets | 0.2133% | 488 |
| Net operating income to assets | 2.0834% | 294 |
| Return on assets (ROA) | 2.0878% | 308 |
| Pretax return on assets | 2.1958% | 417 |
| Return on Equity (ROE) | 20.7565% | 273 |
| Retained earnings to average equity (ytd only) | 5.8111% | 2,438 |
| Net charge-offs to loans | 0.0054% | 2,392 |
| Credit loss provision to net charge-offs | 5,333.3333% | 137 |
| Earnings coverage of net charge-offs (x) | 601.1333% | 238 |
| Efficiency ratio | 37.2185% | 4,736 |
| Assets per employee ($millions) | 13.3732% | 284 |
| Cash dividends to net income (ytd only)* | 72.0033% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2863% | 391 |
| Loan loss allowance to noncurrent loans | 286.4571% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.5676% | 1,165 |
| Noncurrent loans to loans | 0.7981% | 1,280 |
| Net loans and leases to total assets | 69.4951% | 1,095 |
| Net loans and leases to deposits | 77.3778% | 1,458 |
| Net loans and leases to core deposits | 94.1879% | 771 |
| Total domestic deposits to total assets | 89.8127% | 1,060 |
| Equity capital to assets | 10.1345% | 2,533 |
| Core capital (leverage) ratio | 10.0496% | 2,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5583% | 2,034 |
| Memoranda: | ||
| Average total assets | $750,014,200 | 1,221 |
| Average earning assets | $734,284,600 | 1,173 |
| Average equity | $75,441,400 | 1,270 |
| Average total loans | $559,934,600 | 1,075 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4541% | 731 |
| Cost of funding earning assets | 0.6590% | 480 |
| Net interest margin | 3.7951% | 1,131 |
| Noninterest income to average assets | 0.1589% | 4,407 |
| Noninterest expense to average assets | 1.3951% | 4,692 |
| Loan and lease loss provision to assets | 0.2856% | 289 |
| Net operating income to assets | 2.0831% | 406 |
| Return on assets (ROA) | 2.0831% | 431 |
| Pretax return on assets | 2.1902% | 559 |
| Return on Equity (ROE) | 20.7493% | 375 |
| Retained earnings to average equity (ytd only) | 6.5697% | 2,589 |
| Net charge-offs to loans | 0.0047% | 2,164 |
| Credit loss provision to net charge-offs | 8,000.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 693.5000% | 229 |
| Efficiency ratio | 36.0417% | 4,810 |
| Assets per employee ($millions) | 14.1651% | 236 |
| Cash dividends to net income (ytd only)* | 68.3376% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3194% | 378 |
| Loan loss allowance to noncurrent loans | 276.8355% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.5858% | 1,307 |
| Noncurrent loans to loans | 0.8378% | 1,365 |
| Net loans and leases to total assets | 68.2981% | 1,287 |
| Net loans and leases to deposits | 76.0645% | 1,664 |
| Net loans and leases to core deposits | 93.8061% | 833 |
| Total domestic deposits to total assets | 89.7897% | 869 |
| Equity capital to assets | 10.0423% | 2,865 |
| Core capital (leverage) ratio | 9.9355% | 2,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0010% | 1,971 |
| Memoranda: | ||
| Average total assets | $746,950,250 | 1,242 |
| Average earning assets | $730,598,750 | 1,191 |
| Average equity | $74,988,750 | 1,294 |
| Average total loans | $564,384,500 | 1,087 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3310% | 952 |
| Cost of funding earning assets | 0.6730% | 514 |
| Net interest margin | 3.6580% | 1,447 |
| Noninterest income to average assets | 0.1763% | 4,321 |
| Noninterest expense to average assets | 1.3844% | 4,731 |
| Loan and lease loss provision to assets | 0.3239% | 246 |
| Net operating income to assets | 1.9383% | 548 |
| Return on assets (ROA) | 1.9383% | 567 |
| Pretax return on assets | 2.0463% | 759 |
| Return on Equity (ROE) | 19.3090% | 514 |
| Retained earnings to average equity (ytd only) | 5.7300% | 2,913 |
| Net charge-offs to loans | 0.0045% | 1,987 |
| Credit loss provision to net charge-offs | 9,230.7692% | 64 |
| Earnings coverage of net charge-offs (x) | 675.4615% | 210 |
| Efficiency ratio | 36.8728% | 4,822 |
| Assets per employee ($millions) | 13.7327% | 248 |
| Cash dividends to net income (ytd only)* | 70.3245% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1745% | 448 |
| Loan loss allowance to noncurrent loans | 268.3047% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.5719% | 1,454 |
| Noncurrent loans to loans | 0.8105% | 1,516 |
| Net loans and leases to total assets | 69.0358% | 1,320 |
| Net loans and leases to deposits | 76.4473% | 1,772 |
| Net loans and leases to core deposits | 93.8928% | 906 |
| Total domestic deposits to total assets | 90.3051% | 646 |
| Equity capital to assets | 9.6101% | 3,241 |
| Core capital (leverage) ratio | 9.6971% | 2,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5974% | 1,765 |
| Memoranda: | ||
| Average total assets | $740,962,667 | 1,240 |
| Average earning assets | $724,816,000 | 1,193 |
| Average equity | $74,380,000 | 1,292 |
| Average total loans | $574,237,333 | 1,076 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3178% | 1,021 |
| Cost of funding earning assets | 0.6936% | 562 |
| Net interest margin | 3.6243% | 1,519 |
| Noninterest income to average assets | 0.1411% | 4,500 |
| Noninterest expense to average assets | 1.4238% | 4,719 |
| Loan and lease loss provision to assets | 0.3333% | 257 |
| Net operating income to assets | 1.9226% | 636 |
| Return on assets (ROA) | 1.9226% | 682 |
| Pretax return on assets | 1.9226% | 1,076 |
| Return on Equity (ROE) | 18.7187% | 651 |
| Retained earnings to average equity (ytd only) | 8.3074% | 2,151 |
| Net charge-offs to loans | 0.0308% | 1,179 |
| Credit loss provision to net charge-offs | 1,333.3333% | 342 |
| Earnings coverage of net charge-offs (x) | 90.2444% | 655 |
| Efficiency ratio | 38.6926% | 4,787 |
| Assets per employee ($millions) | 14.5315% | 216 |
| Cash dividends to net income (ytd only)* | 55.6198% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8906% | 751 |
| Loan loss allowance to noncurrent loans | 235.2905% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.6358% | 1,495 |
| Noncurrent loans to loans | 0.8035% | 1,653 |
| Net loans and leases to total assets | 76.6847% | 571 |
| Net loans and leases to deposits | 85.0357% | 1,046 |
| Net loans and leases to core deposits | 103.1967% | 595 |
| Total domestic deposits to total assets | 90.1794% | 731 |
| Equity capital to assets | 9.6963% | 3,005 |
| Core capital (leverage) ratio | 9.9240% | 2,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8939% | 1,603 |
| Memoranda: | ||
| Average total assets | $720,063,000 | 1,254 |
| Average earning assets | $703,040,000 | 1,207 |
| Average equity | $73,958,000 | 1,293 |
| Average total loans | $585,157,000 | 1,059 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6151% | 1,073 |
| Cost of funding earning assets | 1.0359% | 520 |
| Net interest margin | 3.5792% | 2,219 |
| Noninterest income to average assets | 0.1472% | 4,559 |
| Noninterest expense to average assets | 1.5082% | 4,775 |
| Loan and lease loss provision to assets | 0.3725% | 878 |
| Net operating income to assets | 1.7568% | 429 |
| Return on assets (ROA) | 1.7568% | 468 |
| Pretax return on assets | 1.7568% | 752 |
| Return on Equity (ROE) | 16.3221% | 471 |
| Retained earnings to average equity (ytd only) | 5.1619% | 2,209 |
| Net charge-offs to loans | 0.2432% | 708 |
| Credit loss provision to net charge-offs | 187.3089% | 2,228 |
| Earnings coverage of net charge-offs (x) | 10.7064% | 2,445 |
| Efficiency ratio | 41.4622% | 4,845 |
| Assets per employee ($millions) | 12.4066% | 296 |
| Cash dividends to net income (ytd only)* | 68.3746% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9047% | 717 |
| Loan loss allowance to noncurrent loans | 220.5133% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.7417% | 1,389 |
| Noncurrent loans to loans | 0.8638% | 1,634 |
| Net loans and leases to total assets | 83.2152% | 218 |
| Net loans and leases to deposits | 93.4935% | 686 |
| Net loans and leases to core deposits | 111.6333% | 466 |
| Total domestic deposits to total assets | 89.0065% | 987 |
| Equity capital to assets | 10.9317% | 2,317 |
| Core capital (leverage) ratio | 10.6185% | 2,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4045% | 1,714 |
| Memoranda: | ||
| Average total assets | $657,687,400 | 1,243 |
| Average earning assets | $641,349,400 | 1,190 |
| Average equity | $70,787,600 | 1,285 |
| Average total loans | $537,841,200 | 1,080 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5729% | 1,386 |
| Cost of funding earning assets | 1.1195% | 498 |
| Net interest margin | 3.4534% | 2,741 |
| Noninterest income to average assets | 0.1507% | 4,546 |
| Noninterest expense to average assets | 1.4966% | 4,805 |
| Loan and lease loss provision to assets | 0.3677% | 1,011 |
| Net operating income to assets | 1.6553% | 639 |
| Return on assets (ROA) | 1.6553% | 712 |
| Pretax return on assets | 1.6553% | 1,057 |
| Return on Equity (ROE) | 15.4410% | 619 |
| Retained earnings to average equity (ytd only) | 3.2812% | 3,401 |
| Net charge-offs to loans | -0.0410% | 4,621 |
| Credit loss provision to net charge-offs | -1,107.3620% | 3,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5231% | 4,841 |
| Assets per employee ($millions) | 12.9447% | 259 |
| Cash dividends to net income (ytd only)* | 78.7498% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0301% | 468 |
| Loan loss allowance to noncurrent loans | 137.7512% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 1.2416% | 787 |
| Noncurrent loans to loans | 1.4737% | 979 |
| Net loans and leases to total assets | 81.9556% | 434 |
| Net loans and leases to deposits | 91.6668% | 1,103 |
| Net loans and leases to core deposits | 109.5617% | 715 |
| Total domestic deposits to total assets | 89.4060% | 614 |
| Equity capital to assets | 10.4001% | 2,872 |
| Core capital (leverage) ratio | 9.8903% | 2,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4248% | 1,683 |
| Memoranda: | ||
| Average total assets | $654,619,500 | 1,227 |
| Average earning assets | $638,581,500 | 1,179 |
| Average equity | $70,175,000 | 1,280 |
| Average total loans | $530,218,250 | 1,082 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6982% | 1,413 |
| Cost of funding earning assets | 1.2066% | 489 |
| Net interest margin | 3.4916% | 2,817 |
| Noninterest income to average assets | 0.1422% | 4,595 |
| Noninterest expense to average assets | 1.5133% | 4,838 |
| Loan and lease loss provision to assets | 0.3602% | 1,170 |
| Net operating income to assets | 1.6729% | 645 |
| Return on assets (ROA) | 1.6729% | 703 |
| Pretax return on assets | 1.6729% | 1,048 |
| Return on Equity (ROE) | 15.4422% | 643 |
| Retained earnings to average equity (ytd only) | 3.1183% | 3,335 |
| Net charge-offs to loans | 0.0213% | 2,292 |
| Credit loss provision to net charge-offs | 2,109.0909% | 462 |
| Earnings coverage of net charge-offs (x) | 119.0545% | 627 |
| Efficiency ratio | 42.6720% | 4,842 |
| Assets per employee ($millions) | 13.9237% | 202 |
| Cash dividends to net income (ytd only)* | 79.8070% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8904% | 540 |
| Loan loss allowance to noncurrent loans | 95.7401% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 1.5269% | 605 |
| Noncurrent loans to loans | 1.9745% | 692 |
| Net loans and leases to total assets | 75.8694% | 1,155 |
| Net loans and leases to deposits | 87.9842% | 1,559 |
| Net loans and leases to core deposits | 105.1524% | 936 |
| Total domestic deposits to total assets | 86.2307% | 1,920 |
| Equity capital to assets | 9.5882% | 3,576 |
| Core capital (leverage) ratio | 9.8856% | 2,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2261% | 1,721 |
| Memoranda: | ||
| Average total assets | $644,136,000 | 1,222 |
| Average earning assets | $628,025,667 | 1,174 |
| Average equity | $69,782,667 | 1,273 |
| Average total loans | $515,649,667 | 1,091 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1772% | 688 |
| Cost of funding earning assets | 1.4339% | 342 |
| Net interest margin | 3.7433% | 2,168 |
| Noninterest income to average assets | 0.1581% | 4,583 |
| Noninterest expense to average assets | 1.6215% | 4,841 |
| Loan and lease loss provision to assets | 0.3449% | 890 |
| Net operating income to assets | 1.8372% | 380 |
| Return on assets (ROA) | 1.8372% | 424 |
| Pretax return on assets | 1.8372% | 647 |
| Return on Equity (ROE) | 15.8336% | 443 |
| Retained earnings to average equity (ytd only) | 1.4027% | 3,632 |
| Net charge-offs to loans | 0.0369% | 1,681 |
| Credit loss provision to net charge-offs | 1,144.4444% | 519 |
| Earnings coverage of net charge-offs (x) | 72.4000% | 711 |
| Efficiency ratio | 42.6307% | 4,926 |
| Assets per employee ($millions) | 11.5055% | 265 |
| Cash dividends to net income (ytd only)* | 91.1411% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0846% | 443 |
| Loan loss allowance to noncurrent loans | 192.3281% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.9018% | 1,484 |
| Noncurrent loans to loans | 1.0839% | 1,534 |
| Net loans and leases to total assets | 78.2065% | 947 |
| Net loans and leases to deposits | 90.1258% | 1,495 |
| Net loans and leases to core deposits | 113.4235% | 688 |
| Total domestic deposits to total assets | 86.7748% | 1,657 |
| Equity capital to assets | 11.3813% | 2,536 |
| Core capital (leverage) ratio | 11.5419% | 2,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6171% | 2,031 |
| Memoranda: | ||
| Average total assets | $597,225,000 | 1,267 |
| Average earning assets | $581,623,000 | 1,221 |
| Average equity | $69,295,500 | 1,270 |
| Average total loans | $488,138,500 | 1,113 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6019% | 474 |
| Cost of funding earning assets | 1.6601% | 232 |
| Net interest margin | 3.9418% | 2,026 |
| Noninterest income to average assets | 0.2020% | 4,450 |
| Noninterest expense to average assets | 1.6993% | 4,868 |
| Loan and lease loss provision to assets | 0.3695% | 402 |
| Net operating income to assets | 1.9546% | 393 |
| Return on assets (ROA) | 1.9546% | 408 |
| Pretax return on assets | 1.9546% | 659 |
| Return on Equity (ROE) | 16.1526% | 521 |
| Retained earnings to average equity (ytd only) | -0.6412% | 4,779 |
| Net charge-offs to loans | 0.6348% | 284 |
| Credit loss provision to net charge-offs | 68.4708% | 2,932 |
| Earnings coverage of net charge-offs (x) | 4.3068% | 3,230 |
| Efficiency ratio | 42.2355% | 5,021 |
| Assets per employee ($millions) | 10.8270% | 307 |
| Cash dividends to net income (ytd only)* | 103.9698% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9792% | 474 |
| Loan loss allowance to noncurrent loans | 145.9382% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 1.1725% | 1,016 |
| Noncurrent loans to loans | 1.3562% | 1,098 |
| Net loans and leases to total assets | 82.0213% | 557 |
| Net loans and leases to deposits | 93.1617% | 1,236 |
| Net loans and leases to core deposits | 120.7691% | 457 |
| Total domestic deposits to total assets | 88.0419% | 1,107 |
| Equity capital to assets | 11.8341% | 2,255 |
| Core capital (leverage) ratio | 11.9222% | 1,827 |
| Tier 1 risk-based capital ratio | 13.2832% | 3,639 |
| Total risk-based capital ratio | 14.5407% | 3,517 |
| Memoranda: | ||
| Average total assets | $568,347,600 | 1,274 |
| Average earning assets | $550,988,000 | 1,233 |
| Average equity | $68,775,400 | 1,236 |
| Average total loans | $483,143,800 | 1,108 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6782% | 427 |
| Cost of funding earning assets | 1.6752% | 220 |
| Net interest margin | 4.0030% | 1,925 |
| Noninterest income to average assets | 0.1723% | 4,681 |
| Noninterest expense to average assets | 1.7197% | 4,904 |
| Loan and lease loss provision to assets | 0.2599% | 612 |
| Net operating income to assets | 2.0722% | 345 |
| Return on assets (ROA) | 2.0722% | 358 |
| Pretax return on assets | 2.0722% | 588 |
| Return on Equity (ROE) | 17.0274% | 476 |
| Retained earnings to average equity (ytd only) | -2.2910% | 4,947 |
| Net charge-offs to loans | 0.8474% | 183 |
| Credit loss provision to net charge-offs | 35.9360% | 2,879 |
| Earnings coverage of net charge-offs (x) | 3.2244% | 3,123 |
| Efficiency ratio | 42.4423% | 5,065 |
| Assets per employee ($millions) | 10.5035% | 305 |
| Cash dividends to net income (ytd only)* | 113.4550% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8027% | 673 |
| Loan loss allowance to noncurrent loans | 100.7304% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 1.8847% | 499 |
| Noncurrent loans to loans | 1.7897% | 799 |
| Net loans and leases to total assets | 83.4473% | 408 |
| Net loans and leases to deposits | 95.2569% | 1,103 |
| Net loans and leases to core deposits | 125.9646% | 361 |
| Total domestic deposits to total assets | 87.6023% | 1,218 |
| Equity capital to assets | 12.0667% | 2,205 |
| Core capital (leverage) ratio | 12.1096% | 1,786 |
| Tier 1 risk-based capital ratio | 13.3339% | 3,667 |
| Total risk-based capital ratio | 14.5894% | 3,554 |
| Memoranda: | ||
| Average total assets | $564,269,750 | 1,288 |
| Average earning assets | $546,878,000 | 1,241 |
| Average equity | $68,672,000 | 1,236 |
| Average total loans | $481,622,750 | 1,117 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6625% | 428 |
| Cost of funding earning assets | 1.6486% | 231 |
| Net interest margin | 4.0139% | 1,880 |
| Noninterest income to average assets | 0.1768% | 4,686 |
| Noninterest expense to average assets | 1.7263% | 4,954 |
| Loan and lease loss provision to assets | 0.2485% | 620 |
| Net operating income to assets | 2.1101% | 317 |
| Return on assets (ROA) | 2.1101% | 330 |
| Pretax return on assets | 2.1101% | 539 |
| Return on Equity (ROE) | 17.2890% | 436 |
| Retained earnings to average equity (ytd only) | -5.6932% | 5,080 |
| Net charge-offs to loans | 0.2538% | 662 |
| Credit loss provision to net charge-offs | 114.5663% | 1,806 |
| Earnings coverage of net charge-offs (x) | 10.8723% | 2,236 |
| Efficiency ratio | 42.2599% | 5,109 |
| Assets per employee ($millions) | 10.5198% | 304 |
| Cash dividends to net income (ytd only)* | 132.9295% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2372% | 320 |
| Loan loss allowance to noncurrent loans | 2,030.0567% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.6556% | 2,075 |
| Noncurrent loans to loans | 0.1102% | 4,180 |
| Net loans and leases to total assets | 81.1089% | 717 |
| Net loans and leases to deposits | 92.9825% | 1,377 |
| Net loans and leases to core deposits | 121.3935% | 505 |
| Total domestic deposits to total assets | 87.2304% | 1,480 |
| Equity capital to assets | 11.6977% | 2,447 |
| Core capital (leverage) ratio | 11.7499% | 1,985 |
| Tier 1 risk-based capital ratio | 13.4486% | 3,610 |
| Total risk-based capital ratio | 14.7094% | 3,504 |
| Memoranda: | ||
| Average total assets | $563,297,330 | 1,290 |
| Average earning assets | $548,449,000 | 1,240 |
| Average equity | $68,749,000 | 1,226 |
| Average total loans | $481,500,000 | 1,120 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6290% | 408 |
| Cost of funding earning assets | 1.5979% | 229 |
| Net interest margin | 4.0311% | 1,749 |
| Noninterest income to average assets | 0.1325% | 4,935 |
| Noninterest expense to average assets | 1.7248% | 4,989 |
| Loan and lease loss provision to assets | 0.2880% | 464 |
| Net operating income to assets | 2.0660% | 347 |
| Return on assets (ROA) | 2.0660% | 362 |
| Pretax return on assets | 2.0660% | 566 |
| Return on Equity (ROE) | 16.5698% | 520 |
| Retained earnings to average equity (ytd only) | 0.1155% | 4,506 |
| Net charge-offs to loans | -0.0340% | 4,693 |
| Credit loss provision to net charge-offs | -975.6098% | 3,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2873% | 5,158 |
| Assets per employee ($millions) | 10.9021% | 265 |
| Cash dividends to net income (ytd only)* | 99.3031% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2753% | 311 |
| Loan loss allowance to noncurrent loans | 234.4325% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.8811% | 1,605 |
| Noncurrent loans to loans | 0.9706% | 1,721 |
| Net loans and leases to total assets | 84.0274% | 370 |
| Net loans and leases to deposits | 97.3972% | 854 |
| Net loans and leases to core deposits | 123.2015% | 442 |
| Total domestic deposits to total assets | 86.2730% | 2,150 |
| Equity capital to assets | 12.2383% | 1,887 |
| Core capital (leverage) ratio | 12.4301% | 1,549 |
| Tier 1 risk-based capital ratio | 13.7025% | 3,494 |
| Total risk-based capital ratio | 14.9641% | 3,405 |
| Memoranda: | ||
| Average total assets | $555,650,500 | 1,307 |
| Average earning assets | $543,965,000 | 1,247 |
| Average equity | $69,282,500 | 1,218 |
| Average total loans | $482,236,000 | 1,120 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3711% | 506 |
| Cost of funding earning assets | 1.0925% | 508 |
| Net interest margin | 4.2786% | 1,204 |
| Noninterest income to average assets | 0.2248% | 4,577 |
| Noninterest expense to average assets | 1.6851% | 5,110 |
| Loan and lease loss provision to assets | 0.5067% | 234 |
| Net operating income to assets | 2.1960% | 253 |
| Return on assets (ROA) | 2.1960% | 243 |
| Pretax return on assets | 2.1960% | 361 |
| Return on Equity (ROE) | 18.2172% | 371 |
| Retained earnings to average equity (ytd only) | 5.2666% | 2,617 |
| Net charge-offs to loans | 0.5847% | 293 |
| Credit loss provision to net charge-offs | 100.4343% | 2,501 |
| Earnings coverage of net charge-offs (x) | 5.3572% | 3,199 |
| Efficiency ratio | 38.4046% | 5,300 |
| Assets per employee ($millions) | 10.6743% | 286 |
| Cash dividends to net income (ytd only)* | 71.0900% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2326% | 313 |
| Loan loss allowance to noncurrent loans | 225.9228% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.9203% | 1,500 |
| Noncurrent loans to loans | 0.9882% | 1,645 |
| Net loans and leases to total assets | 85.6684% | 256 |
| Net loans and leases to deposits | 100.3810% | 711 |
| Net loans and leases to core deposits | 125.3315% | 411 |
| Total domestic deposits to total assets | 85.3433% | 2,488 |
| Equity capital to assets | 12.7087% | 1,482 |
| Core capital (leverage) ratio | 12.7636% | 1,333 |
| Tier 1 risk-based capital ratio | 13.8697% | 3,351 |
| Total risk-based capital ratio | 15.1305% | 3,272 |
| Memoranda: | ||
| Average total assets | $547,666,800 | 1,300 |
| Average earning assets | $532,885,000 | 1,245 |
| Average equity | $66,020,000 | 1,221 |
| Average total loans | $472,584,000 | 1,107 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2963% | 527 |
| Cost of funding earning assets | 1.0080% | 580 |
| Net interest margin | 4.2882% | 1,138 |
| Noninterest income to average assets | 0.2173% | 4,664 |
| Noninterest expense to average assets | 1.6690% | 5,159 |
| Loan and lease loss provision to assets | 0.6320% | 161 |
| Net operating income to assets | 2.0828% | 320 |
| Return on assets (ROA) | 2.0828% | 318 |
| Pretax return on assets | 2.0828% | 506 |
| Return on Equity (ROE) | 17.5133% | 481 |
| Retained earnings to average equity (ytd only) | 0.6500% | 4,922 |
| Net charge-offs to loans | 0.6875% | 210 |
| Credit loss provision to net charge-offs | 106.9519% | 2,159 |
| Earnings coverage of net charge-offs (x) | 4.5940% | 3,041 |
| Efficiency ratio | 38.0725% | 5,368 |
| Assets per employee ($millions) | 10.5909% | 280 |
| Cash dividends to net income (ytd only)* | 96.2886% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2589% | 320 |
| Loan loss allowance to noncurrent loans | 938.1076% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.2681% | 3,610 |
| Noncurrent loans to loans | 0.2408% | 3,835 |
| Net loans and leases to total assets | 86.5726% | 216 |
| Net loans and leases to deposits | 102.0887% | 644 |
| Net loans and leases to core deposits | 130.5298% | 319 |
| Total domestic deposits to total assets | 84.8014% | 2,686 |
| Equity capital to assets | 12.1843% | 1,780 |
| Core capital (leverage) ratio | 12.3311% | 1,589 |
| Tier 1 risk-based capital ratio | 13.1810% | 3,794 |
| Total risk-based capital ratio | 14.4420% | 3,704 |
| Memoranda: | ||
| Average total assets | $548,485,750 | 1,293 |
| Average earning assets | $532,916,250 | 1,245 |
| Average equity | $65,228,750 | 1,230 |
| Average total loans | $471,474,750 | 1,105 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1506% | 603 |
| Cost of funding earning assets | 0.9283% | 640 |
| Net interest margin | 4.2224% | 1,231 |
| Noninterest income to average assets | 0.2315% | 4,633 |
| Noninterest expense to average assets | 1.6424% | 5,238 |
| Loan and lease loss provision to assets | 0.6530% | 153 |
| Net operating income to assets | 2.0418% | 348 |
| Return on assets (ROA) | 2.0418% | 345 |
| Pretax return on assets | 2.0418% | 553 |
| Return on Equity (ROE) | 17.3078% | 490 |
| Retained earnings to average equity (ytd only) | -0.6827% | 5,044 |
| Net charge-offs to loans | 0.9809% | 135 |
| Credit loss provision to net charge-offs | 78.2269% | 2,276 |
| Earnings coverage of net charge-offs (x) | 3.2282% | 2,898 |
| Efficiency ratio | 37.8670% | 5,432 |
| Assets per employee ($millions) | 11.1720% | 227 |
| Cash dividends to net income (ytd only)* | 103.9446% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1676% | 395 |
| Loan loss allowance to noncurrent loans | 988.9756% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 4,061 |
| Noncurrent loans to loans | 0.2192% | 3,934 |
| Net loans and leases to total assets | 81.9036% | 718 |
| Net loans and leases to deposits | 94.8078% | 1,269 |
| Net loans and leases to core deposits | 111.0767% | 935 |
| Total domestic deposits to total assets | 86.3891% | 2,102 |
| Equity capital to assets | 11.6971% | 2,069 |
| Core capital (leverage) ratio | 11.7645% | 1,861 |
| Tier 1 risk-based capital ratio | 13.5880% | 3,569 |
| Total risk-based capital ratio | 14.8485% | 3,469 |
| Memoranda: | ||
| Average total assets | $551,269,000 | 1,291 |
| Average earning assets | $536,052,000 | 1,247 |
| Average equity | $65,034,330 | 1,233 |
| Average total loans | $469,160,670 | 1,113 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0740% | 610 |
| Cost of funding earning assets | 0.8859% | 644 |
| Net interest margin | 4.1882% | 1,200 |
| Noninterest income to average assets | 0.1439% | 5,149 |
| Noninterest expense to average assets | 1.6596% | 5,282 |
| Loan and lease loss provision to assets | 0.6574% | 149 |
| Net operating income to assets | 1.8985% | 454 |
| Return on assets (ROA) | 1.8985% | 456 |
| Pretax return on assets | 1.8985% | 727 |
| Return on Equity (ROE) | 16.0231% | 616 |
| Retained earnings to average equity (ytd only) | -10.1786% | 5,376 |
| Net charge-offs to loans | 0.9193% | 151 |
| Credit loss provision to net charge-offs | 83.3333% | 1,711 |
| Earnings coverage of net charge-offs (x) | 3.2398% | 2,404 |
| Efficiency ratio | 39.3693% | 5,472 |
| Assets per employee ($millions) | 10.9570% | 246 |
| Cash dividends to net income (ytd only)* | 163.5244% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2360% | 365 |
| Loan loss allowance to noncurrent loans | 466.8750% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.4375% | 3,091 |
| Noncurrent loans to loans | 0.4789% | 3,077 |
| Net loans and leases to total assets | 83.4632% | 495 |
| Net loans and leases to deposits | 97.6817% | 892 |
| Net loans and leases to core deposits | 150.0466% | 128 |
| Total domestic deposits to total assets | 85.4441% | 2,775 |
| Equity capital to assets | 11.6725% | 2,012 |
| Core capital (leverage) ratio | 11.7719% | 1,798 |
| Tier 1 risk-based capital ratio | 13.3825% | 3,727 |
| Total risk-based capital ratio | 14.6439% | 3,638 |
| Memoranda: | ||
| Average total assets | $547,602,500 | 1,310 |
| Average earning assets | $532,359,000 | 1,257 |
| Average equity | $64,881,500 | 1,240 |
| Average total loans | $469,915,000 | 1,122 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0172% | 627 |
| Cost of funding earning assets | 0.7151% | 951 |
| Net interest margin | 4.3021% | 955 |
| Noninterest income to average assets | 0.1887% | 5,011 |
| Noninterest expense to average assets | 1.5676% | 5,439 |
| Loan and lease loss provision to assets | 0.2968% | 581 |
| Net operating income to assets | 2.4974% | 119 |
| Return on assets (ROA) | 2.4974% | 119 |
| Pretax return on assets | 2.4974% | 178 |
| Return on Equity (ROE) | 21.2144% | 156 |
| Retained earnings to average equity (ytd only) | 4.6047% | 2,389 |
| Net charge-offs to loans | 0.2701% | 965 |
| Credit loss provision to net charge-offs | 128.7208% | 2,041 |
| Earnings coverage of net charge-offs (x) | 12.1175% | 2,504 |
| Efficiency ratio | 35.9391% | 5,582 |
| Assets per employee ($millions) | 11.4032% | 221 |
| Cash dividends to net income (ytd only)* | 78.2945% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2533% | 336 |
| Loan loss allowance to noncurrent loans | 896.9646% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.2167% | 4,053 |
| Noncurrent loans to loans | 0.2512% | 3,884 |
| Net loans and leases to total assets | 84.3110% | 417 |
| Net loans and leases to deposits | 99.0298% | 813 |
| Net loans and leases to core deposits | 149.1953% | 139 |
| Total domestic deposits to total assets | 85.1370% | 2,783 |
| Equity capital to assets | 12.0242% | 1,819 |
| Core capital (leverage) ratio | 12.1510% | 1,531 |
| Tier 1 risk-based capital ratio | 13.5367% | 3,610 |
| Total risk-based capital ratio | 14.7982% | 3,509 |
| Memoranda: | ||
| Average total assets | $539,040,000 | 1,300 |
| Average earning assets | $522,884,600 | 1,251 |
| Average equity | $63,457,000 | 1,249 |
| Average total loans | $460,254,800 | 1,104 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9605% | 666 |
| Cost of funding earning assets | 0.6882% | 1,020 |
| Net interest margin | 4.2723% | 991 |
| Noninterest income to average assets | 0.1929% | 5,049 |
| Noninterest expense to average assets | 1.5397% | 5,492 |
| Loan and lease loss provision to assets | 0.3476% | 432 |
| Net operating income to assets | 2.4460% | 144 |
| Return on assets (ROA) | 2.4460% | 145 |
| Pretax return on assets | 2.4460% | 230 |
| Return on Equity (ROE) | 20.8921% | 181 |
| Retained earnings to average equity (ytd only) | -0.8250% | 5,333 |
| Net charge-offs to loans | 0.2114% | 1,017 |
| Credit loss provision to net charge-offs | 193.1034% | 1,381 |
| Earnings coverage of net charge-offs (x) | 15.5187% | 2,223 |
| Efficiency ratio | 35.5317% | 5,647 |
| Assets per employee ($millions) | 10.8628% | 246 |
| Cash dividends to net income (ytd only)* | 103.9488% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3584% | 317 |
| Loan loss allowance to noncurrent loans | 565.6169% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.3566% | 3,606 |
| Noncurrent loans to loans | 0.4170% | 3,452 |
| Net loans and leases to total assets | 83.5131% | 486 |
| Net loans and leases to deposits | 97.6502% | 954 |
| Net loans and leases to core deposits | 146.3718% | 143 |
| Total domestic deposits to total assets | 85.5227% | 2,511 |
| Equity capital to assets | 11.5488% | 2,320 |
| Core capital (leverage) ratio | 11.6825% | 1,899 |
| Tier 1 risk-based capital ratio | 13.0379% | 3,982 |
| Total risk-based capital ratio | 14.3007% | 3,883 |
| Memoranda: | ||
| Average total assets | $536,961,750 | 1,319 |
| Average earning assets | $520,388,500 | 1,267 |
| Average equity | $62,867,500 | 1,265 |
| Average total loans | $457,289,250 | 1,116 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8873% | 714 |
| Cost of funding earning assets | 0.6495% | 1,145 |
| Net interest margin | 4.2378% | 999 |
| Noninterest income to average assets | 0.1798% | 5,155 |
| Noninterest expense to average assets | 1.5102% | 5,557 |
| Loan and lease loss provision to assets | 0.4487% | 271 |
| Net operating income to assets | 2.3343% | 164 |
| Return on assets (ROA) | 2.3343% | 162 |
| Pretax return on assets | 2.3343% | 279 |
| Return on Equity (ROE) | 19.8459% | 221 |
| Retained earnings to average equity (ytd only) | -5.3946% | 5,548 |
| Net charge-offs to loans | 0.0321% | 2,558 |
| Credit loss provision to net charge-offs | 1,643.8356% | 254 |
| Earnings coverage of net charge-offs (x) | 101.9589% | 646 |
| Efficiency ratio | 35.1768% | 5,702 |
| Assets per employee ($millions) | 10.8614% | 234 |
| Cash dividends to net income (ytd only)* | 127.1824% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4427% | 299 |
| Loan loss allowance to noncurrent loans | 410.5074% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.5117% | 3,058 |
| Noncurrent loans to loans | 0.5950% | 2,947 |
| Net loans and leases to total assets | 83.8968% | 457 |
| Net loans and leases to deposits | 97.7755% | 914 |
| Net loans and leases to core deposits | 152.9025% | 110 |
| Total domestic deposits to total assets | 85.8055% | 2,468 |
| Equity capital to assets | 11.3138% | 2,484 |
| Core capital (leverage) ratio | 11.5448% | 1,941 |
| Tier 1 risk-based capital ratio | 12.7578% | 4,148 |
| Total risk-based capital ratio | 14.0216% | 4,043 |
| Memoranda: | ||
| Average total assets | $534,902,330 | 1,331 |
| Average earning assets | $519,186,000 | 1,280 |
| Average equity | $62,914,670 | 1,263 |
| Average total loans | $454,869,330 | 1,121 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8409% | 695 |
| Cost of funding earning assets | 0.6320% | 1,176 |
| Net interest margin | 4.2089% | 971 |
| Noninterest income to average assets | 0.1688% | 5,264 |
| Noninterest expense to average assets | 1.5003% | 5,633 |
| Loan and lease loss provision to assets | 0.4521% | 231 |
| Net operating income to assets | 2.2961% | 194 |
| Return on assets (ROA) | 2.2961% | 197 |
| Pretax return on assets | 2.2961% | 305 |
| Return on Equity (ROE) | 19.1482% | 276 |
| Retained earnings to average equity (ytd only) | 7.8365% | 1,531 |
| Net charge-offs to loans | -0.0357% | 5,016 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.3139% | 5,762 |
| Assets per employee ($millions) | 10.9478% | 226 |
| Cash dividends to net income (ytd only)* | 59.0745% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4261% | 342 |
| Loan loss allowance to noncurrent loans | 525.3006% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.3876% | 3,657 |
| Noncurrent loans to loans | 0.4619% | 3,444 |
| Net loans and leases to total assets | 81.8763% | 581 |
| Net loans and leases to deposits | 96.1925% | 922 |
| Net loans and leases to core deposits | 146.0514% | 123 |
| Total domestic deposits to total assets | 85.1171% | 3,039 |
| Equity capital to assets | 11.9832% | 1,862 |
| Core capital (leverage) ratio | 12.2175% | 1,493 |
| Tier 1 risk-based capital ratio | 13.6980% | 3,662 |
| Total risk-based capital ratio | 14.9613% | 3,557 |
| Memoranda: | ||
| Average total assets | $530,818,000 | 1,343 |
| Average earning assets | $514,532,500 | 1,284 |
| Average equity | $63,651,000 | 1,249 |
| Average total loans | $448,790,500 | 1,132 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1182% | 484 |
| Cost of funding earning assets | 0.5832% | 1,466 |
| Net interest margin | 4.5350% | 574 |
| Noninterest income to average assets | 0.2076% | 5,173 |
| Noninterest expense to average assets | 1.6058% | 5,645 |
| Loan and lease loss provision to assets | 0.3457% | 494 |
| Net operating income to assets | 2.6397% | 119 |
| Return on assets (ROA) | 2.6586% | 115 |
| Pretax return on assets | 2.6586% | 158 |
| Return on Equity (ROE) | 21.8191% | 151 |
| Retained earnings to average equity (ytd only) | 4.4040% | 2,781 |
| Net charge-offs to loans | 0.3954% | 670 |
| Credit loss provision to net charge-offs | 100.7607% | 2,544 |
| Earnings coverage of net charge-offs (x) | 8.7016% | 2,842 |
| Efficiency ratio | 34.9760% | 5,834 |
| Assets per employee ($millions) | 11.4173% | 202 |
| Cash dividends to net income (ytd only)* | 79.8158% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2977% | 405 |
| Loan loss allowance to noncurrent loans | 490.9742% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.3987% | 3,673 |
| Noncurrent loans to loans | 0.4680% | 3,473 |
| Net loans and leases to total assets | 83.2378% | 458 |
| Net loans and leases to deposits | 97.8613% | 835 |
| Net loans and leases to core deposits | 145.4766% | 143 |
| Total domestic deposits to total assets | 85.0570% | 3,018 |
| Equity capital to assets | 11.9992% | 1,808 |
| Core capital (leverage) ratio | 12.5847% | 1,308 |
| Tier 1 risk-based capital ratio | 13.3949% | 3,835 |
| Total risk-based capital ratio | 14.6564% | 3,729 |
| Memoranda: | ||
| Average total assets | $498,127,400 | 1,383 |
| Average earning assets | $481,501,600 | 1,319 |
| Average equity | $60,694,400 | 1,279 |
| Average total loans | $432,199,000 | 1,129 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1927% | 429 |
| Cost of funding earning assets | 0.5797% | 1,489 |
| Net interest margin | 4.6131% | 494 |
| Noninterest income to average assets | 0.2173% | 5,164 |
| Noninterest expense to average assets | 1.6102% | 5,681 |
| Loan and lease loss provision to assets | 0.3316% | 493 |
| Net operating income to assets | 2.7327% | 115 |
| Return on assets (ROA) | 2.7564% | 115 |
| Pretax return on assets | 2.7564% | 151 |
| Return on Equity (ROE) | 22.5302% | 145 |
| Retained earnings to average equity (ytd only) | -0.4037% | 5,427 |
| Net charge-offs to loans | 0.0367% | 2,893 |
| Credit loss provision to net charge-offs | 1,035.5932% | 390 |
| Earnings coverage of net charge-offs (x) | 95.7030% | 686 |
| Efficiency ratio | 34.4459% | 5,905 |
| Assets per employee ($millions) | 10.6580% | 239 |
| Cash dividends to net income (ytd only)* | 101.7917% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5790% | 304 |
| Loan loss allowance to noncurrent loans | 1,301.1442% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.1783% | 4,729 |
| Noncurrent loans to loans | 0.1982% | 4,557 |
| Net loans and leases to total assets | 87.6194% | 160 |
| Net loans and leases to deposits | 103.7659% | 472 |
| Net loans and leases to core deposits | 146.6690% | 150 |
| Total domestic deposits to total assets | 84.4395% | 3,045 |
| Equity capital to assets | 12.3265% | 1,879 |
| Core capital (leverage) ratio | 12.1106% | 1,598 |
| Tier 1 risk-based capital ratio | 13.0818% | 4,110 |
| Total risk-based capital ratio | 14.3468% | 4,012 |
| Memoranda: | ||
| Average total assets | $491,360,750 | 1,405 |
| Average earning assets | $474,754,000 | 1,336 |
| Average equity | $60,113,250 | 1,296 |
| Average total loans | $428,388,500 | 1,143 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1227% | 476 |
| Cost of funding earning assets | 0.5724% | 1,532 |
| Net interest margin | 4.5503% | 553 |
| Noninterest income to average assets | 0.2473% | 4,999 |
| Noninterest expense to average assets | 1.6029% | 5,759 |
| Loan and lease loss provision to assets | 0.4157% | 357 |
| Net operating income to assets | 2.6226% | 130 |
| Return on assets (ROA) | 2.6580% | 120 |
| Pretax return on assets | 2.6580% | 176 |
| Return on Equity (ROE) | 21.7809% | 166 |
| Retained earnings to average equity (ytd only) | -3.1996% | 5,648 |
| Net charge-offs to loans | 0.0655% | 2,256 |
| Credit loss provision to net charge-offs | 735.2518% | 490 |
| Earnings coverage of net charge-offs (x) | 53.7410% | 948 |
| Efficiency ratio | 34.5369% | 5,982 |
| Assets per employee ($millions) | 10.6485% | 226 |
| Cash dividends to net income (ytd only)* | 114.6901% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5380% | 347 |
| Loan loss allowance to noncurrent loans | 13,275.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 5,533 |
| Noncurrent loans to loans | 0.0191% | 5,400 |
| Net loans and leases to total assets | 87.4195% | 176 |
| Net loans and leases to deposits | 102.0955% | 554 |
| Net loans and leases to core deposits | 149.2276% | 130 |
| Total domestic deposits to total assets | 85.6252% | 2,597 |
| Equity capital to assets | 12.1877% | 1,981 |
| Core capital (leverage) ratio | 12.0695% | 1,583 |
| Tier 1 risk-based capital ratio | 13.0947% | 4,144 |
| Total risk-based capital ratio | 14.3596% | 4,055 |
| Memoranda: | ||
| Average total assets | $491,725,000 | 1,410 |
| Average earning assets | $474,823,330 | 1,340 |
| Average equity | $60,006,670 | 1,296 |
| Average total loans | $424,204,000 | 1,149 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0752% | 510 |
| Cost of funding earning assets | 0.5730% | 1,524 |
| Net interest margin | 4.5022% | 606 |
| Noninterest income to average assets | 0.1924% | 5,354 |
| Noninterest expense to average assets | 1.5873% | 5,840 |
| Loan and lease loss provision to assets | 0.4985% | 247 |
| Net operating income to assets | 2.4511% | 168 |
| Return on assets (ROA) | 2.4511% | 175 |
| Pretax return on assets | 2.4511% | 260 |
| Return on Equity (ROE) | 20.0730% | 242 |
| Retained earnings to average equity (ytd only) | -6.0904% | 5,666 |
| Net charge-offs to loans | 0.1507% | 1,212 |
| Credit loss provision to net charge-offs | 391.0828% | 720 |
| Earnings coverage of net charge-offs (x) | 23.1401% | 1,378 |
| Efficiency ratio | 34.9857% | 6,034 |
| Assets per employee ($millions) | 11.0347% | 201 |
| Cash dividends to net income (ytd only)* | 130.3412% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5536% | 369 |
| Loan loss allowance to noncurrent loans | 6,422.1557% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 5,506 |
| Noncurrent loans to loans | 0.0398% | 5,335 |
| Net loans and leases to total assets | 82.4223% | 515 |
| Net loans and leases to deposits | 96.0535% | 939 |
| Net loans and leases to core deposits | 138.8937% | 176 |
| Total domestic deposits to total assets | 85.8088% | 2,764 |
| Equity capital to assets | 12.0386% | 2,012 |
| Core capital (leverage) ratio | 11.9734% | 1,626 |
| Tier 1 risk-based capital ratio | 13.3691% | 4,058 |
| Total risk-based capital ratio | 14.6333% | 3,970 |
| Memoranda: | ||
| Average total assets | $492,672,500 | 1,402 |
| Average earning assets | $475,413,000 | 1,334 |
| Average equity | $60,160,500 | 1,293 |
| Average total loans | $416,627,000 | 1,164 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0280% | 591 |
| Cost of funding earning assets | 0.5842% | 1,470 |
| Net interest margin | 4.4438% | 722 |
| Noninterest income to average assets | 0.1863% | 5,479 |
| Noninterest expense to average assets | 1.5423% | 5,956 |
| Loan and lease loss provision to assets | 0.2878% | 611 |
| Net operating income to assets | 2.6474% | 127 |
| Return on assets (ROA) | 2.6474% | 127 |
| Pretax return on assets | 2.6474% | 163 |
| Return on Equity (ROE) | 22.5741% | 150 |
| Retained earnings to average equity (ytd only) | 8.5245% | 769 |
| Net charge-offs to loans | 0.1088% | 2,291 |
| Credit loss provision to net charge-offs | 314.6067% | 945 |
| Earnings coverage of net charge-offs (x) | 32.0854% | 1,387 |
| Efficiency ratio | 34.4444% | 6,117 |
| Assets per employee ($millions) | 10.1830% | 255 |
| Cash dividends to net income (ytd only)* | 62.2379% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4847% | 403 |
| Loan loss allowance to noncurrent loans | 2,606.0914% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 5,307 |
| Noncurrent loans to loans | 0.0953% | 5,115 |
| Net loans and leases to total assets | 82.4462% | 552 |
| Net loans and leases to deposits | 96.4686% | 965 |
| Net loans and leases to core deposits | 129.4309% | 275 |
| Total domestic deposits to total assets | 85.4643% | 2,881 |
| Equity capital to assets | 12.3863% | 1,680 |
| Core capital (leverage) ratio | 12.4168% | 1,394 |
| Tier 1 risk-based capital ratio | 13.9620% | 3,728 |
| Total risk-based capital ratio | 15.2257% | 3,656 |
| Memoranda: | ||
| Average total assets | $486,431,200 | 1,385 |
| Average earning assets | $469,729,600 | 1,316 |
| Average equity | $57,047,600 | 1,310 |
| Average total loans | $408,844,000 | 1,130 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0104% | 607 |
| Cost of funding earning assets | 0.5907% | 1,465 |
| Net interest margin | 4.4197% | 761 |
| Noninterest income to average assets | 0.2396% | 5,217 |
| Noninterest expense to average assets | 1.5854% | 5,986 |
| Loan and lease loss provision to assets | 0.3842% | 323 |
| Net operating income to assets | 2.5371% | 156 |
| Return on assets (ROA) | 2.5371% | 160 |
| Pretax return on assets | 2.5371% | 230 |
| Return on Equity (ROE) | 21.9432% | 190 |
| Retained earnings to average equity (ytd only) | 3.1568% | 4,215 |
| Net charge-offs to loans | 0.1664% | 1,485 |
| Credit loss provision to net charge-offs | 275.0491% | 1,052 |
| Earnings coverage of net charge-offs (x) | 20.9135% | 1,844 |
| Efficiency ratio | 35.1784% | 6,190 |
| Assets per employee ($millions) | 10.2705% | 245 |
| Cash dividends to net income (ytd only)* | 85.6138% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4403% | 473 |
| Loan loss allowance to noncurrent loans | 2,464.7343% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 5,407 |
| Noncurrent loans to loans | 0.0990% | 5,239 |
| Net loans and leases to total assets | 84.5107% | 347 |
| Net loans and leases to deposits | 98.3768% | 788 |
| Net loans and leases to core deposits | 129.2249% | 287 |
| Total domestic deposits to total assets | 85.9051% | 2,580 |
| Equity capital to assets | 11.8437% | 2,226 |
| Core capital (leverage) ratio | 11.4359% | 2,093 |
| Tier 1 risk-based capital ratio | 12.8897% | 4,493 |
| Total risk-based capital ratio | 14.1528% | 4,408 |
| Memoranda: | ||
| Average total assets | $485,843,250 | 1,387 |
| Average earning assets | $469,065,250 | 1,324 |
| Average equity | $56,174,000 | 1,340 |
| Average total loans | $407,742,250 | 1,128 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9288% | 687 |
| Cost of funding earning assets | 0.5875% | 1,503 |
| Net interest margin | 4.3413% | 854 |
| Noninterest income to average assets | 0.2723% | 4,999 |
| Noninterest expense to average assets | 1.5030% | 6,109 |
| Loan and lease loss provision to assets | 0.4929% | 200 |
| Net operating income to assets | 2.4655% | 172 |
| Return on assets (ROA) | 2.4655% | 182 |
| Pretax return on assets | 2.4655% | 260 |
| Return on Equity (ROE) | 21.4965% | 211 |
| Retained earnings to average equity (ytd only) | -1.1747% | 5,718 |
| Net charge-offs to loans | 0.0411% | 2,866 |
| Credit loss provision to net charge-offs | 1,445.7831% | 257 |
| Earnings coverage of net charge-offs (x) | 86.7711% | 661 |
| Efficiency ratio | 33.6893% | 6,275 |
| Assets per employee ($millions) | 10.4983% | 228 |
| Cash dividends to net income (ytd only)* | 105.4648% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5427% | 464 |
| Loan loss allowance to noncurrent loans | 3,311.1111% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 5,614 |
| Noncurrent loans to loans | 0.0768% | 5,424 |
| Net loans and leases to total assets | 79.3303% | 894 |
| Net loans and leases to deposits | 91.3161% | 1,447 |
| Net loans and leases to core deposits | 121.7868% | 423 |
| Total domestic deposits to total assets | 86.8744% | 2,233 |
| Equity capital to assets | 10.9965% | 2,883 |
| Core capital (leverage) ratio | 11.2104% | 2,238 |
| Tier 1 risk-based capital ratio | 12.8296% | 4,606 |
| Total risk-based capital ratio | 14.0942% | 4,521 |
| Memoranda: | ||
| Average total assets | $486,886,330 | 1,396 |
| Average earning assets | $469,813,000 | 1,331 |
| Average equity | $55,841,670 | 1,356 |
| Average total loans | $404,273,330 | 1,137 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9871% | 582 |
| Cost of funding earning assets | 0.5945% | 1,471 |
| Net interest margin | 4.3927% | 744 |
| Noninterest income to average assets | 0.3671% | 4,277 |
| Noninterest expense to average assets | 1.5553% | 6,142 |
| Loan and lease loss provision to assets | 0.5017% | 209 |
| Net operating income to assets | 2.5486% | 139 |
| Return on assets (ROA) | 2.5486% | 150 |
| Pretax return on assets | 2.5486% | 220 |
| Return on Equity (ROE) | 21.7497% | 196 |
| Retained earnings to average equity (ytd only) | 3.5536% | 3,870 |
| Net charge-offs to loans | 0.0977% | 1,746 |
| Credit loss provision to net charge-offs | 612.2449% | 465 |
| Earnings coverage of net charge-offs (x) | 37.2245% | 1,020 |
| Efficiency ratio | 33.7691% | 6,340 |
| Assets per employee ($millions) | 10.6149% | 224 |
| Cash dividends to net income (ytd only)* | 83.6614% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4603% | 561 |
| Loan loss allowance to noncurrent loans | 3,894.8413% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 5,722 |
| Noncurrent loans to loans | 0.0632% | 5,522 |
| Net loans and leases to total assets | 81.4626% | 521 |
| Net loans and leases to deposits | 94.7553% | 916 |
| Net loans and leases to core deposits | 112.2035% | 641 |
| Total domestic deposits to total assets | 85.9715% | 2,954 |
| Equity capital to assets | 11.7989% | 2,200 |
| Core capital (leverage) ratio | 11.7787% | 1,793 |
| Tier 1 risk-based capital ratio | 13.4049% | 4,372 |
| Total risk-based capital ratio | 14.6682% | 4,283 |
| Memoranda: | ||
| Average total assets | $478,371,000 | 1,431 |
| Average earning assets | $461,588,500 | 1,354 |
| Average equity | $56,056,000 | 1,359 |
| Average total loans | $401,315,500 | 1,144 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9890% | 793 |
| Cost of funding earning assets | 0.6627% | 1,317 |
| Net interest margin | 4.3263% | 1,010 |
| Noninterest income to average assets | 0.1895% | 5,723 |
| Noninterest expense to average assets | 1.4115% | 6,343 |
| Loan and lease loss provision to assets | 0.3026% | 677 |
| Net operating income to assets | 2.6378% | 125 |
| Return on assets (ROA) | 2.6378% | 124 |
| Pretax return on assets | 2.6378% | 157 |
| Return on Equity (ROE) | 24.3566% | 120 |
| Retained earnings to average equity (ytd only) | 10.2888% | 475 |
| Net charge-offs to loans | -0.0197% | 5,697 |
| Credit loss provision to net charge-offs | -1,883.1169% | 5,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.4333% | 6,457 |
| Assets per employee ($millions) | 10.6460% | 205 |
| Cash dividends to net income (ytd only)* | 57.7577% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3070% | 718 |
| Loan loss allowance to noncurrent loans | 1,818.9453% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.1121% | 5,587 |
| Noncurrent loans to loans | 0.1268% | 5,393 |
| Net loans and leases to total assets | 82.3218% | 487 |
| Net loans and leases to deposits | 95.5702% | 937 |
| Net loans and leases to core deposits | 112.7125% | 657 |
| Total domestic deposits to total assets | 86.1375% | 2,761 |
| Equity capital to assets | 11.6375% | 2,310 |
| Core capital (leverage) ratio | 11.1866% | 2,227 |
| Tier 1 risk-based capital ratio | 13.8728% | 4,189 |
| Total risk-based capital ratio | 15.1361% | 4,118 |
| Memoranda: | ||
| Average total assets | $479,144,800 | 1,395 |
| Average earning assets | $460,991,600 | 1,329 |
| Average equity | $51,891,400 | 1,405 |
| Average total loans | $390,553,600 | 1,132 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9388% | 856 |
| Cost of funding earning assets | 0.6666% | 1,343 |
| Net interest margin | 4.2722% | 1,107 |
| Noninterest income to average assets | 0.2059% | 5,696 |
| Noninterest expense to average assets | 1.3974% | 6,411 |
| Loan and lease loss provision to assets | 0.4035% | 418 |
| Net operating income to assets | 2.5121% | 142 |
| Return on assets (ROA) | 2.5121% | 144 |
| Pretax return on assets | 2.5121% | 206 |
| Return on Equity (ROE) | 23.6362% | 135 |
| Retained earnings to average equity (ytd only) | 4.5241% | 3,431 |
| Net charge-offs to loans | -0.0782% | 6,066 |
| Credit loss provision to net charge-offs | -638.7665% | 5,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.4000% | 6,527 |
| Assets per employee ($millions) | 11.0116% | 181 |
| Cash dividends to net income (ytd only)* | 80.8596% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4093% | 727 |
| Loan loss allowance to noncurrent loans | 394.4560% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.4841% | 4,436 |
| Noncurrent loans to loans | 0.6108% | 4,094 |
| Net loans and leases to total assets | 77.3530% | 1,048 |
| Net loans and leases to deposits | 88.6237% | 1,598 |
| Net loans and leases to core deposits | 104.9223% | 1,035 |
| Total domestic deposits to total assets | 87.2825% | 2,165 |
| Equity capital to assets | 10.4998% | 3,559 |
| Core capital (leverage) ratio | 10.7147% | 2,801 |
| Tier 1 risk-based capital ratio | 13.4298% | 4,589 |
| Total risk-based capital ratio | 14.6945% | 4,521 |
| Memoranda: | ||
| Average total assets | $479,163,250 | 1,404 |
| Average earning assets | $460,637,250 | 1,344 |
| Average equity | $50,926,250 | 1,429 |
| Average total loans | $387,268,750 | 1,149 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9338% | 848 |
| Cost of funding earning assets | 0.6750% | 1,344 |
| Net interest margin | 4.2589% | 1,119 |
| Noninterest income to average assets | 0.2293% | 5,563 |
| Noninterest expense to average assets | 1.4059% | 6,471 |
| Loan and lease loss provision to assets | 0.5489% | 265 |
| Net operating income to assets | 2.3690% | 172 |
| Return on assets (ROA) | 2.3690% | 176 |
| Pretax return on assets | 2.3690% | 267 |
| Return on Equity (ROE) | 22.1960% | 193 |
| Retained earnings to average equity (ytd only) | 2.6346% | 4,525 |
| Net charge-offs to loans | -0.1038% | 6,159 |
| Credit loss provision to net charge-offs | -650.0000% | 5,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.5164% | 6,592 |
| Assets per employee ($millions) | 10.6779% | 197 |
| Cash dividends to net income (ytd only)* | 88.1305% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3652% | 843 |
| Loan loss allowance to noncurrent loans | 1,084.8131% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.1781% | 5,608 |
| Noncurrent loans to loans | 0.2180% | 5,354 |
| Net loans and leases to total assets | 79.7763% | 711 |
| Net loans and leases to deposits | 91.5704% | 1,206 |
| Net loans and leases to core deposits | 108.9405% | 729 |
| Total domestic deposits to total assets | 87.1202% | 2,388 |
| Equity capital to assets | 10.6161% | 3,288 |
| Core capital (leverage) ratio | 10.8633% | 2,571 |
| Tier 1 risk-based capital ratio | 13.1327% | 4,830 |
| Total risk-based capital ratio | 14.3968% | 4,753 |
| Memoranda: | ||
| Average total assets | $473,710,000 | 1,417 |
| Average earning assets | $455,427,330 | 1,348 |
| Average equity | $50,558,670 | 1,433 |
| Average total loans | $385,436,670 | 1,139 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9186% | 841 |
| Cost of funding earning assets | 0.6826% | 1,343 |
| Net interest margin | 4.2360% | 1,128 |
| Noninterest income to average assets | 0.2764% | 5,162 |
| Noninterest expense to average assets | 1.3965% | 6,561 |
| Loan and lease loss provision to assets | 0.6379% | 200 |
| Net operating income to assets | 2.3219% | 193 |
| Return on assets (ROA) | 2.3219% | 202 |
| Pretax return on assets | 2.3219% | 298 |
| Return on Equity (ROE) | 21.6957% | 212 |
| Retained earnings to average equity (ytd only) | 3.4173% | 4,084 |
| Net charge-offs to loans | 0.1718% | 1,690 |
| Credit loss provision to net charge-offs | 457.3171% | 588 |
| Earnings coverage of net charge-offs (x) | 21.2195% | 1,302 |
| Efficiency ratio | 32.0578% | 6,662 |
| Assets per employee ($millions) | 10.8384% | 194 |
| Cash dividends to net income (ytd only)* | 84.2491% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1949% | 1,168 |
| Loan loss allowance to noncurrent loans | 677.3463% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.3663% | 5,063 |
| Noncurrent loans to loans | 0.3240% | 5,137 |
| Net loans and leases to total assets | 78.2279% | 743 |
| Net loans and leases to deposits | 89.7912% | 1,175 |
| Net loans and leases to core deposits | 106.5925% | 735 |
| Total domestic deposits to total assets | 87.1220% | 2,737 |
| Equity capital to assets | 10.6085% | 3,132 |
| Core capital (leverage) ratio | 11.0118% | 2,379 |
| Tier 1 risk-based capital ratio | 13.4729% | 4,704 |
| Total risk-based capital ratio | 14.7351% | 4,633 |
| Memoranda: | ||
| Average total assets | $470,312,000 | 1,430 |
| Average earning assets | $452,977,500 | 1,366 |
| Average equity | $50,332,500 | 1,438 |
| Average total loans | $381,847,000 | 1,152 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0703% | 800 |
| Cost of funding earning assets | 0.7784% | 1,328 |
| Net interest margin | 4.2919% | 1,127 |
| Noninterest income to average assets | 0.2589% | 5,495 |
| Noninterest expense to average assets | 1.3171% | 6,679 |
| Loan and lease loss provision to assets | 0.5383% | 498 |
| Net operating income to assets | 2.5156% | 163 |
| Return on assets (ROA) | 2.5156% | 168 |
| Pretax return on assets | 2.5156% | 197 |
| Return on Equity (ROE) | 23.7612% | 155 |
| Retained earnings to average equity (ytd only) | 10.7333% | 456 |
| Net charge-offs to loans | 0.5782% | 1,140 |
| Credit loss provision to net charge-offs | 114.6132% | 2,106 |
| Earnings coverage of net charge-offs (x) | 6.5019% | 3,052 |
| Efficiency ratio | 30.1329% | 6,762 |
| Assets per employee ($millions) | 10.5394% | 197 |
| Cash dividends to net income (ytd only)* | 54.8284% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0368% | 1,470 |
| Loan loss allowance to noncurrent loans | 690.2482% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.2432% | 5,540 |
| Noncurrent loans to loans | 0.2951% | 5,297 |
| Net loans and leases to total assets | 80.7521% | 521 |
| Net loans and leases to deposits | 92.9779% | 962 |
| Net loans and leases to core deposits | 109.8386% | 614 |
| Total domestic deposits to total assets | 86.8509% | 2,803 |
| Equity capital to assets | 10.7980% | 2,819 |
| Core capital (leverage) ratio | 11.0133% | 2,373 |
| Tier 1 risk-based capital ratio | 13.3041% | 4,785 |
| Total risk-based capital ratio | 14.5641% | 4,719 |
| Memoranda: | ||
| Average total assets | $445,811,800 | 1,484 |
| Average earning assets | $427,151,200 | 1,430 |
| Average equity | $47,198,800 | 1,486 |
| Average total loans | $362,137,800 | 1,179 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0781% | 801 |
| Cost of funding earning assets | 0.7938% | 1,362 |
| Net interest margin | 4.2843% | 1,132 |
| Noninterest income to average assets | 0.2864% | 5,400 |
| Noninterest expense to average assets | 1.3033% | 6,740 |
| Loan and lease loss provision to assets | 0.5665% | 452 |
| Net operating income to assets | 2.5160% | 170 |
| Return on assets (ROA) | 2.5160% | 177 |
| Pretax return on assets | 2.5160% | 238 |
| Return on Equity (ROE) | 23.8892% | 144 |
| Retained earnings to average equity (ytd only) | 6.4514% | 2,163 |
| Net charge-offs to loans | 0.3704% | 1,719 |
| Credit loss provision to net charge-offs | 189.0121% | 1,277 |
| Earnings coverage of net charge-offs (x) | 10.2853% | 2,378 |
| Efficiency ratio | 29.7169% | 6,838 |
| Assets per employee ($millions) | 10.2922% | 215 |
| Cash dividends to net income (ytd only)* | 72.9947% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2609% | 1,234 |
| Loan loss allowance to noncurrent loans | 485.9384% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.3889% | 5,248 |
| Noncurrent loans to loans | 0.4653% | 5,027 |
| Net loans and leases to total assets | 81.6917% | 388 |
| Net loans and leases to deposits | 92.8759% | 910 |
| Net loans and leases to core deposits | 110.4823% | 564 |
| Total domestic deposits to total assets | 87.9579% | 2,157 |
| Equity capital to assets | 10.6735% | 3,098 |
| Core capital (leverage) ratio | 10.7451% | 2,728 |
| Tier 1 risk-based capital ratio | 13.0004% | 5,126 |
| Total risk-based capital ratio | 14.2634% | 5,065 |
| Memoranda: | ||
| Average total assets | $441,331,250 | 1,514 |
| Average earning assets | $422,274,250 | 1,452 |
| Average equity | $46,480,000 | 1,518 |
| Average total loans | $357,107,000 | 1,200 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0306% | 868 |
| Cost of funding earning assets | 0.8057% | 1,383 |
| Net interest margin | 4.2249% | 1,209 |
| Noninterest income to average assets | 0.3157% | 5,175 |
| Noninterest expense to average assets | 1.3027% | 6,788 |
| Loan and lease loss provision to assets | 0.6124% | 412 |
| Net operating income to assets | 2.4372% | 186 |
| Return on assets (ROA) | 2.4372% | 198 |
| Pretax return on assets | 2.4372% | 295 |
| Return on Equity (ROE) | 23.2458% | 169 |
| Retained earnings to average equity (ytd only) | 6.7232% | 2,021 |
| Net charge-offs to loans | 0.2885% | 2,041 |
| Credit loss provision to net charge-offs | 265.2259% | 952 |
| Earnings coverage of net charge-offs (x) | 13.2083% | 1,917 |
| Efficiency ratio | 29.9323% | 6,879 |
| Assets per employee ($millions) | 10.5693% | 191 |
| Cash dividends to net income (ytd only)* | 71.0776% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2915% | 1,273 |
| Loan loss allowance to noncurrent loans | 4,202.5253% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 6,370 |
| Noncurrent loans to loans | 0.0545% | 6,227 |
| Net loans and leases to total assets | 81.8774% | 365 |
| Net loans and leases to deposits | 93.2067% | 863 |
| Net loans and leases to core deposits | 110.7231% | 535 |
| Total domestic deposits to total assets | 87.8450% | 2,355 |
| Equity capital to assets | 10.7439% | 3,007 |
| Core capital (leverage) ratio | 10.8349% | 2,520 |
| Tier 1 risk-based capital ratio | 13.0349% | 5,117 |
| Total risk-based capital ratio | 14.2979% | 5,051 |
| Memoranda: | ||
| Average total assets | $440,920,330 | 1,510 |
| Average earning assets | $421,262,670 | 1,453 |
| Average equity | $46,227,670 | 1,529 |
| Average total loans | $352,842,330 | 1,204 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0688% | 792 |
| Cost of funding earning assets | 0.8243% | 1,398 |
| Net interest margin | 4.2445% | 1,085 |
| Noninterest income to average assets | 0.2851% | 5,423 |
| Noninterest expense to average assets | 1.3114% | 6,870 |
| Loan and lease loss provision to assets | 0.6746% | 350 |
| Net operating income to assets | 2.3332% | 191 |
| Return on assets (ROA) | 2.3332% | 210 |
| Pretax return on assets | 2.3332% | 338 |
| Return on Equity (ROE) | 22.5259% | 176 |
| Retained earnings to average equity (ytd only) | 11.5322% | 773 |
| Net charge-offs to loans | 0.1588% | 2,452 |
| Credit loss provision to net charge-offs | 543.4783% | 494 |
| Earnings coverage of net charge-offs (x) | 24.2319% | 1,087 |
| Efficiency ratio | 30.3623% | 6,956 |
| Assets per employee ($millions) | 11.3354% | 161 |
| Cash dividends to net income (ytd only)* | 48.8049% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3500% | 1,335 |
| Loan loss allowance to noncurrent loans | 3,661.5385% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 6,426 |
| Noncurrent loans to loans | 0.0642% | 6,289 |
| Net loans and leases to total assets | 76.0608% | 831 |
| Net loans and leases to deposits | 86.3797% | 1,311 |
| Net loans and leases to core deposits | 102.4962% | 804 |
| Total domestic deposits to total assets | 88.0540% | 2,278 |
| Equity capital to assets | 10.5657% | 3,469 |
| Core capital (leverage) ratio | 10.5297% | 2,737 |
| Tier 1 risk-based capital ratio | 13.7614% | 4,688 |
| Total risk-based capital ratio | 15.0257% | 4,637 |
| Memoranda: | ||
| Average total assets | $444,709,000 | 1,508 |
| Average earning assets | $422,661,000 | 1,461 |
| Average equity | $46,062,500 | 1,555 |
| Average total loans | $347,698,000 | 1,219 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0546% | 1,419 |
| Cost of funding earning assets | 0.9642% | 1,559 |
| Net interest margin | 4.0903% | 2,042 |
| Noninterest income to average assets | 0.2972% | 5,339 |
| Noninterest expense to average assets | 1.2866% | 6,960 |
| Loan and lease loss provision to assets | 0.6869% | 761 |
| Net operating income to assets | 2.2380% | 236 |
| Return on assets (ROA) | 2.2380% | 260 |
| Pretax return on assets | 2.2380% | 376 |
| Return on Equity (ROE) | 21.7222% | 228 |
| Retained earnings to average equity (ytd only) | 8.4737% | 973 |
| Net charge-offs to loans | 0.5028% | 2,235 |
| Credit loss provision to net charge-offs | 172.6727% | 1,526 |
| Earnings coverage of net charge-offs (x) | 7.3526% | 2,628 |
| Efficiency ratio | 30.5497% | 7,020 |
| Assets per employee ($millions) | 12.0902% | 148 |
| Cash dividends to net income (ytd only)* | 60.9907% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1307% | 1,688 |
| Loan loss allowance to noncurrent loans | 252.7027% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.6617% | 4,823 |
| Noncurrent loans to loans | 0.8432% | 4,502 |
| Net loans and leases to total assets | 76.8042% | 819 |
| Net loans and leases to deposits | 86.7633% | 1,409 |
| Net loans and leases to core deposits | 105.1232% | 730 |
| Total domestic deposits to total assets | 88.5216% | 1,889 |
| Equity capital to assets | 10.1525% | 3,961 |
| Core capital (leverage) ratio | 10.2417% | 3,082 |
| Tier 1 risk-based capital ratio | 13.3285% | 4,881 |
| Total risk-based capital ratio | 14.5904% | 4,822 |
| Memoranda: | ||
| Average total assets | $418,549,800 | 1,568 |
| Average earning assets | $400,528,800 | 1,503 |
| Average equity | $43,121,800 | 1,616 |
| Average total loans | $331,172,200 | 1,271 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0471% | 1,566 |
| Cost of funding earning assets | 0.9875% | 1,639 |
| Net interest margin | 4.0595% | 2,258 |
| Noninterest income to average assets | 0.2538% | 5,752 |
| Noninterest expense to average assets | 1.4252% | 6,980 |
| Loan and lease loss provision to assets | 0.8508% | 543 |
| Net operating income to assets | 1.8832% | 472 |
| Return on assets (ROA) | 1.8832% | 554 |
| Pretax return on assets | 1.8832% | 903 |
| Return on Equity (ROE) | 18.2063% | 479 |
| Retained earnings to average equity (ytd only) | 6.3205% | 2,472 |
| Net charge-offs to loans | 0.4038% | 2,481 |
| Credit loss provision to net charge-offs | 265.6883% | 1,030 |
| Earnings coverage of net charge-offs (x) | 8.5375% | 2,431 |
| Efficiency ratio | 34.2659% | 7,090 |
| Assets per employee ($millions) | 12.3175% | 141 |
| Cash dividends to net income (ytd only)* | 65.2841% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3001% | 1,515 |
| Loan loss allowance to noncurrent loans | 536.4315% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.4087% | 5,666 |
| Noncurrent loans to loans | 0.4288% | 5,588 |
| Net loans and leases to total assets | 77.9051% | 745 |
| Net loans and leases to deposits | 88.1821% | 1,326 |
| Net loans and leases to core deposits | 106.8247% | 698 |
| Total domestic deposits to total assets | 88.3457% | 1,814 |
| Equity capital to assets | 10.1846% | 4,227 |
| Core capital (leverage) ratio | 10.3783% | 3,065 |
| Tier 1 risk-based capital ratio | 13.0753% | 5,187 |
| Total risk-based capital ratio | 14.3390% | 5,137 |
| Memoranda: | ||
| Average total assets | $411,353,250 | 1,606 |
| Average earning assets | $395,732,000 | 1,537 |
| Average equity | $42,548,250 | 1,654 |
| Average total loans | $326,202,000 | 1,304 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0441% | 1,678 |
| Cost of funding earning assets | 1.0146% | 1,678 |
| Net interest margin | 4.0296% | 2,385 |
| Noninterest income to average assets | 0.3004% | 5,404 |
| Noninterest expense to average assets | 1.4393% | 7,037 |
| Loan and lease loss provision to assets | 0.9265% | 494 |
| Net operating income to assets | 1.8124% | 548 |
| Return on assets (ROA) | 1.8124% | 618 |
| Pretax return on assets | 1.8124% | 1,017 |
| Return on Equity (ROE) | 17.4271% | 584 |
| Retained earnings to average equity (ytd only) | 4.2998% | 3,750 |
| Net charge-offs to loans | 0.6637% | 1,659 |
| Credit loss provision to net charge-offs | 176.3876% | 1,600 |
| Earnings coverage of net charge-offs (x) | 5.2145% | 2,880 |
| Efficiency ratio | 34.4489% | 7,132 |
| Assets per employee ($millions) | 12.1044% | 140 |
| Cash dividends to net income (ytd only)* | 75.3272% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1577% | 1,868 |
| Loan loss allowance to noncurrent loans | 449.0805% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.4840% | 5,550 |
| Noncurrent loans to loans | 0.4805% | 5,565 |
| Net loans and leases to total assets | 78.0327% | 717 |
| Net loans and leases to deposits | 88.5169% | 1,319 |
| Net loans and leases to core deposits | 107.9255% | 665 |
| Total domestic deposits to total assets | 88.1557% | 2,035 |
| Equity capital to assets | 10.3609% | 3,859 |
| Core capital (leverage) ratio | 10.4254% | 2,892 |
| Tier 1 risk-based capital ratio | 13.5897% | 4,754 |
| Total risk-based capital ratio | 14.8524% | 4,708 |
| Memoranda: | ||
| Average total assets | $404,766,670 | 1,629 |
| Average earning assets | $389,521,330 | 1,557 |
| Average equity | $42,095,330 | 1,658 |
| Average total loans | $320,347,330 | 1,324 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0460% | 1,736 |
| Cost of funding earning assets | 1.0423% | 1,729 |
| Net interest margin | 4.0037% | 2,490 |
| Noninterest income to average assets | 0.3299% | 5,224 |
| Noninterest expense to average assets | 1.5267% | 7,038 |
| Loan and lease loss provision to assets | 0.9717% | 434 |
| Net operating income to assets | 1.6862% | 741 |
| Return on assets (ROA) | 1.6862% | 825 |
| Pretax return on assets | 1.6862% | 1,342 |
| Return on Equity (ROE) | 16.1825% | 778 |
| Retained earnings to average equity (ytd only) | 4.3230% | 3,997 |
| Net charge-offs to loans | 1.0708% | 962 |
| Credit loss provision to net charge-offs | 115.1122% | 2,055 |
| Earnings coverage of net charge-offs (x) | 3.1488% | 2,943 |
| Efficiency ratio | 36.4849% | 7,174 |
| Assets per employee ($millions) | 12.2073% | 142 |
| Cash dividends to net income (ytd only)* | 73.2861% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9964% | 2,366 |
| Loan loss allowance to noncurrent loans | 320.0600% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.6243% | 5,332 |
| Noncurrent loans to loans | 0.6238% | 5,400 |
| Net loans and leases to total assets | 77.9662% | 593 |
| Net loans and leases to deposits | 88.5356% | 1,104 |
| Net loans and leases to core deposits | 107.8638% | 614 |
| Total domestic deposits to total assets | 88.0620% | 2,275 |
| Equity capital to assets | 10.4309% | 3,580 |
| Core capital (leverage) ratio | 10.5204% | 2,728 |
| Tier 1 risk-based capital ratio | 13.9223% | 4,515 |
| Total risk-based capital ratio | 15.1831% | 4,485 |
| Memoranda: | ||
| Average total assets | $401,375,500 | 1,651 |
| Average earning assets | $386,447,000 | 1,571 |
| Average equity | $41,823,000 | 1,657 |
| Average total loans | $316,408,500 | 1,342 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2169% | 2,000 |
| Cost of funding earning assets | 1.1955% | 2,065 |
| Net interest margin | 4.0214% | 2,778 |
| Noninterest income to average assets | 0.1227% | 6,535 |
| Noninterest expense to average assets | 1.3343% | 7,231 |
| Loan and lease loss provision to assets | 1.2239% | 707 |
| Net operating income to assets | 1.4423% | 939 |
| Return on assets (ROA) | 1.4423% | 1,020 |
| Pretax return on assets | 1.4423% | 1,647 |
| Return on Equity (ROE) | 13.6882% | 1,021 |
| Retained earnings to average equity (ytd only) | 6.1330% | 1,941 |
| Net charge-offs to loans | 1.0869% | 1,589 |
| Credit loss provision to net charge-offs | 141.5180% | 2,065 |
| Earnings coverage of net charge-offs (x) | 3.0829% | 3,664 |
| Efficiency ratio | 33.3529% | 7,270 |
| Assets per employee ($millions) | 12.4972% | 136 |
| Cash dividends to net income (ytd only)* | 55.1949% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0074% | 2,254 |
| Loan loss allowance to noncurrent loans | 207.2727% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.8312% | 4,964 |
| Noncurrent loans to loans | 0.9685% | 4,772 |
| Net loans and leases to total assets | 76.5345% | 881 |
| Net loans and leases to deposits | 86.8880% | 1,552 |
| Net loans and leases to core deposits | 105.5796% | 810 |
| Total domestic deposits to total assets | 88.0841% | 2,101 |
| Equity capital to assets | 10.4088% | 3,643 |
| Core capital (leverage) ratio | 10.4197% | 2,823 |
| Tier 1 risk-based capital ratio | 14.0046% | 4,323 |
| Total risk-based capital ratio | 15.2655% | 4,271 |
| Memoranda: | ||
| Average total assets | $382,385,600 | 1,691 |
| Average earning assets | $368,726,000 | 1,605 |
| Average equity | $40,290,200 | 1,674 |
| Average total loans | $304,264,200 | 1,397 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2509% | 2,027 |
| Cost of funding earning assets | 1.2211% | 2,184 |
| Net interest margin | 4.0298% | 2,782 |
| Noninterest income to average assets | 0.1951% | 6,203 |
| Noninterest expense to average assets | 1.3400% | 7,298 |
| Loan and lease loss provision to assets | 0.9629% | 909 |
| Net operating income to assets | 1.7742% | 543 |
| Return on assets (ROA) | 1.7742% | 595 |
| Pretax return on assets | 1.7742% | 1,005 |
| Return on Equity (ROE) | 16.7846% | 593 |
| Retained earnings to average equity (ytd only) | 6.9274% | 2,011 |
| Net charge-offs to loans | 0.5510% | 2,585 |
| Credit loss provision to net charge-offs | 218.5749% | 1,307 |
| Earnings coverage of net charge-offs (x) | 6.2130% | 2,595 |
| Efficiency ratio | 32.8662% | 7,340 |
| Assets per employee ($millions) | 12.2235% | 145 |
| Cash dividends to net income (ytd only)* | 58.7277% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0296% | 2,254 |
| Loan loss allowance to noncurrent loans | 361.1552% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.7560% | 5,268 |
| Noncurrent loans to loans | 0.5620% | 5,744 |
| Net loans and leases to total assets | 78.7094% | 637 |
| Net loans and leases to deposits | 89.6131% | 1,258 |
| Net loans and leases to core deposits | 111.1876% | 629 |
| Total domestic deposits to total assets | 87.8324% | 2,147 |
| Equity capital to assets | 10.5767% | 3,603 |
| Core capital (leverage) ratio | 10.6003% | 2,761 |
| Tier 1 risk-based capital ratio | 14.0406% | 4,329 |
| Total risk-based capital ratio | 15.3021% | 4,291 |
| Memoranda: | ||
| Average total assets | $378,004,500 | 1,723 |
| Average earning assets | $364,145,500 | 1,632 |
| Average equity | $39,956,250 | 1,682 |
| Average total loans | $302,245,500 | 1,417 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2214% | 2,182 |
| Cost of funding earning assets | 1.2324% | 2,367 |
| Net interest margin | 3.9890% | 2,892 |
| Noninterest income to average assets | 0.0846% | 6,903 |
| Noninterest expense to average assets | 1.3821% | 7,364 |
| Loan and lease loss provision to assets | 0.9395% | 938 |
| Net operating income to assets | 1.6043% | 727 |
| Return on assets (ROA) | 1.6043% | 769 |
| Pretax return on assets | 1.6043% | 1,250 |
| Return on Equity (ROE) | 15.1806% | 768 |
| Retained earnings to average equity (ytd only) | 4.6094% | 3,254 |
| Net charge-offs to loans | 0.3822% | 3,029 |
| Credit loss provision to net charge-offs | 307.8947% | 985 |
| Earnings coverage of net charge-offs (x) | 8.3368% | 2,077 |
| Efficiency ratio | 35.2059% | 7,401 |
| Assets per employee ($millions) | 12.5220% | 141 |
| Cash dividends to net income (ytd only)* | 69.6363% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9606% | 2,478 |
| Loan loss allowance to noncurrent loans | 355.8806% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.7496% | 5,408 |
| Noncurrent loans to loans | 0.5509% | 5,815 |
| Net loans and leases to total assets | 78.3460% | 729 |
| Net loans and leases to deposits | 88.9718% | 1,376 |
| Net loans and leases to core deposits | 110.9941% | 692 |
| Total domestic deposits to total assets | 88.0572% | 2,105 |
| Equity capital to assets | 10.3119% | 3,735 |
| Core capital (leverage) ratio | 10.5557% | 2,654 |
| Tier 1 risk-based capital ratio | 13.7878% | 4,313 |
| Total risk-based capital ratio | 15.0482% | 4,280 |
| Memoranda: | ||
| Average total assets | $373,621,670 | 1,752 |
| Average earning assets | $359,788,000 | 1,664 |
| Average equity | $39,484,670 | 1,692 |
| Average total loans | $298,243,330 | 1,457 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1734% | 2,335 |
| Cost of funding earning assets | 1.2610% | 2,421 |
| Net interest margin | 3.9124% | 3,082 |
| Noninterest income to average assets | 0.1944% | 6,333 |
| Noninterest expense to average assets | 1.4085% | 7,413 |
| Loan and lease loss provision to assets | 1.0646% | 699 |
| Net operating income to assets | 1.4850% | 897 |
| Return on assets (ROA) | 1.4850% | 940 |
| Pretax return on assets | 1.4850% | 1,488 |
| Return on Equity (ROE) | 13.8731% | 1,015 |
| Retained earnings to average equity (ytd only) | 3.9069% | 3,826 |
| Net charge-offs to loans | 0.2258% | 3,186 |
| Credit loss provision to net charge-offs | 590.9091% | 638 |
| Earnings coverage of net charge-offs (x) | 14.1515% | 1,386 |
| Efficiency ratio | 35.5862% | 7,454 |
| Assets per employee ($millions) | 12.9285% | 131 |
| Cash dividends to net income (ytd only)* | 71.8382% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9178% | 2,634 |
| Loan loss allowance to noncurrent loans | 250.6368% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.9794% | 4,946 |
| Noncurrent loans to loans | 0.7652% | 5,497 |
| Net loans and leases to total assets | 77.8498% | 749 |
| Net loans and leases to deposits | 87.2896% | 1,550 |
| Net loans and leases to core deposits | 107.1064% | 889 |
| Total domestic deposits to total assets | 89.1856% | 1,651 |
| Equity capital to assets | 10.5106% | 3,165 |
| Core capital (leverage) ratio | 10.7802% | 2,374 |
| Tier 1 risk-based capital ratio | 14.3874% | 3,815 |
| Total risk-based capital ratio | 15.6477% | 3,768 |
| Memoranda: | ||
| Average total assets | $366,341,000 | 1,798 |
| Average earning assets | $352,417,000 | 1,704 |
| Average equity | $39,212,500 | 1,694 |
| Average total loans | $292,261,000 | 1,503 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2250% | 3,484 |
| Cost of funding earning assets | 1.4437% | 2,998 |
| Net interest margin | 3.7813% | 4,021 |
| Noninterest income to average assets | 0.1881% | 6,410 |
| Noninterest expense to average assets | 1.3992% | 7,486 |
| Loan and lease loss provision to assets | 1.0241% | 1,582 |
| Net operating income to assets | 1.4003% | 952 |
| Return on assets (ROA) | 1.4003% | 1,023 |
| Pretax return on assets | 1.4003% | 1,666 |
| Return on Equity (ROE) | 13.3126% | 1,019 |
| Retained earnings to average equity (ytd only) | 5.8814% | 1,894 |
| Net charge-offs to loans | 0.9039% | 2,386 |
| Credit loss provision to net charge-offs | 144.7420% | 2,560 |
| Earnings coverage of net charge-offs (x) | 3.4265% | 3,367 |
| Efficiency ratio | 36.5935% | 7,542 |
| Assets per employee ($millions) | 11.9252% | 159 |
| Cash dividends to net income (ytd only)* | 55.8209% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7067% | 3,196 |
| Loan loss allowance to noncurrent loans | 146.5729% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 1.4803% | 4,096 |
| Noncurrent loans to loans | 1.1644% | 4,775 |
| Net loans and leases to total assets | 78.8355% | 828 |
| Net loans and leases to deposits | 88.8197% | 1,672 |
| Net loans and leases to core deposits | 109.2811% | 964 |
| Total domestic deposits to total assets | 88.7591% | 1,793 |
| Equity capital to assets | 10.9063% | 2,770 |
| Core capital (leverage) ratio | 10.8094% | 2,304 |
| Tier 1 risk-based capital ratio | 13.8639% | 3,956 |
| Total risk-based capital ratio | 15.1137% | 3,941 |
| Memoranda: | ||
| Average total assets | $358,849,400 | 1,821 |
| Average earning assets | $345,017,200 | 1,735 |
| Average equity | $37,746,200 | 1,748 |
| Average total loans | $280,905,000 | 1,593 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2300% | 3,685 |
| Cost of funding earning assets | 1.4699% | 3,146 |
| Net interest margin | 3.7601% | 4,140 |
| Noninterest income to average assets | 0.1990% | 6,471 |
| Noninterest expense to average assets | 1.4201% | 7,586 |
| Loan and lease loss provision to assets | 1.0024% | 1,482 |
| Net operating income to assets | 1.3911% | 1,122 |
| Return on assets (ROA) | 1.3911% | 1,202 |
| Pretax return on assets | 1.3911% | 1,902 |
| Return on Equity (ROE) | 13.3479% | 1,174 |
| Retained earnings to average equity (ytd only) | 3.6585% | 3,879 |
| Net charge-offs to loans | 0.9224% | 2,155 |
| Credit loss provision to net charge-offs | 139.6793% | 2,850 |
| Earnings coverage of net charge-offs (x) | 3.3352% | 3,487 |
| Efficiency ratio | 37.2371% | 7,622 |
| Assets per employee ($millions) | 12.2467% | 162 |
| Cash dividends to net income (ytd only)* | 72.5914% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6492% | 3,338 |
| Loan loss allowance to noncurrent loans | 115.9836% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 1.6525% | 3,962 |
| Noncurrent loans to loans | 1.4220% | 4,480 |
| Net loans and leases to total assets | 76.0299% | 1,402 |
| Net loans and leases to deposits | 85.4880% | 2,440 |
| Net loans and leases to core deposits | 105.8860% | 1,339 |
| Total domestic deposits to total assets | 88.9364% | 1,423 |
| Equity capital to assets | 10.6950% | 3,290 |
| Core capital (leverage) ratio | 10.5785% | 2,614 |
| Tier 1 risk-based capital ratio | 13.8861% | 3,925 |
| Total risk-based capital ratio | 15.1289% | 3,902 |
| Memoranda: | ||
| Average total assets | $359,123,000 | 1,847 |
| Average earning assets | $345,233,500 | 1,756 |
| Average equity | $37,428,250 | 1,783 |
| Average total loans | $279,397,500 | 1,626 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2318% | 3,795 |
| Cost of funding earning assets | 1.4804% | 3,364 |
| Net interest margin | 3.7514% | 4,124 |
| Noninterest income to average assets | 0.1909% | 6,535 |
| Noninterest expense to average assets | 1.4038% | 7,664 |
| Loan and lease loss provision to assets | 0.9571% | 1,530 |
| Net operating income to assets | 1.4366% | 1,017 |
| Return on assets (ROA) | 1.4366% | 1,089 |
| Pretax return on assets | 1.4366% | 1,735 |
| Return on Equity (ROE) | 13.9033% | 1,063 |
| Retained earnings to average equity (ytd only) | 2.3038% | 4,692 |
| Net charge-offs to loans | 0.9074% | 2,020 |
| Credit loss provision to net charge-offs | 135.2941% | 2,964 |
| Earnings coverage of net charge-offs (x) | 3.3835% | 3,344 |
| Efficiency ratio | 36.9667% | 7,686 |
| Assets per employee ($millions) | 12.1638% | 156 |
| Cash dividends to net income (ytd only)* | 83.4299% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 3,917 |
| Loan loss allowance to noncurrent loans | 205.7157% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 1.1712% | 4,798 |
| Noncurrent loans to loans | 0.7310% | 5,794 |
| Net loans and leases to total assets | 75.5847% | 1,573 |
| Net loans and leases to deposits | 84.5767% | 2,779 |
| Net loans and leases to core deposits | 107.7801% | 1,314 |
| Total domestic deposits to total assets | 89.3682% | 1,243 |
| Equity capital to assets | 10.2465% | 3,710 |
| Core capital (leverage) ratio | 10.2037% | 2,938 |
| Tier 1 risk-based capital ratio | 13.3217% | 4,190 |
| Total risk-based capital ratio | 14.5535% | 4,165 |
| Memoranda: | ||
| Average total assets | $360,445,670 | 1,854 |
| Average earning assets | $346,534,000 | 1,763 |
| Average equity | $37,243,000 | 1,787 |
| Average total loans | $281,012,670 | 1,625 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1886% | 4,087 |
| Cost of funding earning assets | 1.4730% | 3,721 |
| Net interest margin | 3.7156% | 4,162 |
| Noninterest income to average assets | 0.1842% | 6,638 |
| Noninterest expense to average assets | 1.3925% | 7,768 |
| Loan and lease loss provision to assets | 0.8375% | 1,511 |
| Net operating income to assets | 1.5287% | 850 |
| Return on assets (ROA) | 1.5287% | 915 |
| Pretax return on assets | 1.5287% | 1,445 |
| Return on Equity (ROE) | 14.7327% | 919 |
| Retained earnings to average equity (ytd only) | 4.0787% | 3,707 |
| Net charge-offs to loans | 0.6224% | 2,266 |
| Credit loss provision to net charge-offs | 171.2329% | 2,120 |
| Earnings coverage of net charge-offs (x) | 4.8379% | 2,532 |
| Efficiency ratio | 37.0469% | 7,781 |
| Assets per employee ($millions) | 12.4928% | 155 |
| Cash dividends to net income (ytd only)* | 72.3156% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4389% | 4,212 |
| Loan loss allowance to noncurrent loans | 107.3820% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 1.2564% | 4,661 |
| Noncurrent loans to loans | 1.3400% | 4,740 |
| Net loans and leases to total assets | 77.0061% | 1,330 |
| Net loans and leases to deposits | 86.1898% | 2,548 |
| Net loans and leases to core deposits | 111.0843% | 1,217 |
| Total domestic deposits to total assets | 89.3448% | 1,333 |
| Equity capital to assets | 10.3030% | 3,471 |
| Core capital (leverage) ratio | 10.3875% | 2,729 |
| Tier 1 risk-based capital ratio | 13.2721% | 4,150 |
| Total risk-based capital ratio | 14.5145% | 4,098 |
| Memoranda: | ||
| Average total assets | $358,211,000 | 1,912 |
| Average earning assets | $344,600,000 | 1,819 |
| Average equity | $37,169,000 | 1,810 |
| Average total loans | $281,503,500 | 1,672 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3209% | 5,077 |
| Cost of funding earning assets | 2.0854% | 2,540 |
| Net interest margin | 3.2356% | 5,972 |
| Noninterest income to average assets | 0.2368% | 6,405 |
| Noninterest expense to average assets | 1.3219% | 7,861 |
| Loan and lease loss provision to assets | 1.1160% | 2,049 |
| Net operating income to assets | 0.9185% | 2,111 |
| Return on assets (ROA) | 0.9185% | 2,180 |
| Pretax return on assets | 0.9185% | 2,867 |
| Return on Equity (ROE) | 8.6107% | 2,160 |
| Retained earnings to average equity (ytd only) | 4.5303% | 2,081 |
| Net charge-offs to loans | 0.9123% | 2,566 |
| Credit loss provision to net charge-offs | 156.2242% | 2,898 |
| Earnings coverage of net charge-offs (x) | 2.8479% | 3,662 |
| Efficiency ratio | 39.3841% | 7,870 |
| Assets per employee ($millions) | 12.6475% | 154 |
| Cash dividends to net income (ytd only)* | 47.3870% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 4,517 |
| Loan loss allowance to noncurrent loans | 91.1979% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 1.2447% | 4,607 |
| Noncurrent loans to loans | 1.4731% | 4,456 |
| Net loans and leases to total assets | 77.9901% | 1,389 |
| Net loans and leases to deposits | 87.4380% | 2,654 |
| Net loans and leases to core deposits | 164.8317% | 287 |
| Total domestic deposits to total assets | 89.1947% | 1,392 |
| Equity capital to assets | 10.4512% | 3,240 |
| Core capital (leverage) ratio | 10.5575% | 2,548 |
| Tier 1 risk-based capital ratio | 13.2940% | 3,950 |
| Total risk-based capital ratio | 14.5452% | 3,891 |
| Memoranda: | ||
| Average total assets | $339,591,000 | 2,005 |
| Average earning assets | $327,424,600 | 1,900 |
| Average equity | $36,222,400 | 1,862 |
| Average total loans | $265,927,800 | 1,801 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3161% | 5,336 |
| Cost of funding earning assets | 2.2213% | 2,309 |
| Net interest margin | 3.0948% | 6,326 |
| Noninterest income to average assets | 0.2639% | 6,340 |
| Noninterest expense to average assets | 1.3259% | 7,951 |
| Loan and lease loss provision to assets | 0.9644% | 1,993 |
| Net operating income to assets | 0.9616% | 2,188 |
| Return on assets (ROA) | 0.9616% | 2,249 |
| Pretax return on assets | 0.9616% | 3,017 |
| Return on Equity (ROE) | 8.9676% | 2,273 |
| Retained earnings to average equity (ytd only) | 4.4042% | 2,812 |
| Net charge-offs to loans | 0.4115% | 3,614 |
| Credit loss provision to net charge-offs | 300.0000% | 1,367 |
| Earnings coverage of net charge-offs (x) | 5.9914% | 2,691 |
| Efficiency ratio | 40.7737% | 7,911 |
| Assets per employee ($millions) | 12.2996% | 169 |
| Cash dividends to net income (ytd only)* | 50.8873% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4800% | 3,550 |
| Loan loss allowance to noncurrent loans | 79.9403% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 1.5494% | 4,042 |
| Noncurrent loans to loans | 1.8514% | 3,842 |
| Net loans and leases to total assets | 77.6463% | 1,647 |
| Net loans and leases to deposits | 87.2544% | 3,099 |
| Net loans and leases to core deposits | 152.4245% | 525 |
| Total domestic deposits to total assets | 88.9884% | 1,204 |
| Equity capital to assets | 10.6284% | 3,372 |
| Core capital (leverage) ratio | 10.6534% | 2,663 |
| Tier 1 risk-based capital ratio | 13.6090% | 3,772 |
| Total risk-based capital ratio | 14.8619% | 3,712 |
| Memoranda: | ||
| Average total assets | $335,956,000 | 2,039 |
| Average earning assets | $324,365,250 | 1,935 |
| Average equity | $36,025,250 | 1,888 |
| Average total loans | $262,422,750 | 1,835 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2992% | 5,663 |
| Cost of funding earning assets | 2.3275% | 2,246 |
| Net interest margin | 2.9717% | 6,629 |
| Noninterest income to average assets | 0.2978% | 6,130 |
| Noninterest expense to average assets | 1.2367% | 8,077 |
| Loan and lease loss provision to assets | 1.0086% | 1,669 |
| Net operating income to assets | 0.9215% | 2,374 |
| Return on assets (ROA) | 0.9215% | 2,469 |
| Pretax return on assets | 0.9215% | 3,270 |
| Return on Equity (ROE) | 8.5676% | 2,534 |
| Retained earnings to average equity (ytd only) | 4.6661% | 2,703 |
| Net charge-offs to loans | 0.2598% | 3,889 |
| Credit loss provision to net charge-offs | 498.5163% | 936 |
| Earnings coverage of net charge-offs (x) | 9.5401% | 2,111 |
| Efficiency ratio | 39.0521% | 8,035 |
| Assets per employee ($millions) | 12.5210% | 145 |
| Cash dividends to net income (ytd only)* | 45.5375% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4306% | 3,569 |
| Loan loss allowance to noncurrent loans | 79.6592% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 1.4808% | 4,018 |
| Noncurrent loans to loans | 1.7960% | 3,807 |
| Net loans and leases to total assets | 76.2214% | 2,131 |
| Net loans and leases to deposits | 85.7653% | 3,587 |
| Net loans and leases to core deposits | 130.2552% | 1,535 |
| Total domestic deposits to total assets | 88.8721% | 1,333 |
| Equity capital to assets | 10.7067% | 3,198 |
| Core capital (leverage) ratio | 10.7476% | 2,608 |
| Tier 1 risk-based capital ratio | 13.9276% | 3,564 |
| Total risk-based capital ratio | 15.1799% | 3,498 |
| Memoranda: | ||
| Average total assets | $333,144,670 | 2,088 |
| Average earning assets | $321,635,000 | 1,972 |
| Average equity | $35,832,670 | 1,900 |
| Average total loans | $259,422,670 | 1,891 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3648% | 5,594 |
| Cost of funding earning assets | 2.4254% | 2,190 |
| Net interest margin | 2.9393% | 6,642 |
| Noninterest income to average assets | 0.2008% | 6,854 |
| Noninterest expense to average assets | 1.2447% | 8,099 |
| Loan and lease loss provision to assets | 0.9072% | 1,445 |
| Net operating income to assets | 0.8854% | 2,757 |
| Return on assets (ROA) | 0.8854% | 2,907 |
| Pretax return on assets | 0.8854% | 3,767 |
| Return on Equity (ROE) | 8.2130% | 3,052 |
| Retained earnings to average equity (ytd only) | 5.4641% | 2,876 |
| Net charge-offs to loans | 0.1316% | 3,907 |
| Credit loss provision to net charge-offs | 882.3529% | 700 |
| Earnings coverage of net charge-offs (x) | 17.4353% | 1,510 |
| Efficiency ratio | 40.9797% | 8,024 |
| Assets per employee ($millions) | 12.4001% | 157 |
| Cash dividends to net income (ytd only)* | 33.4699% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1802% | 4,926 |
| Loan loss allowance to noncurrent loans | 63.8050% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 1.4456% | 3,763 |
| Noncurrent loans to loans | 1.8498% | 3,490 |
| Net loans and leases to total assets | 76.5758% | 2,145 |
| Net loans and leases to deposits | 86.1534% | 3,600 |
| Net loans and leases to core deposits | 129.8458% | 1,665 |
| Total domestic deposits to total assets | 88.8830% | 1,281 |
| Equity capital to assets | 10.7024% | 3,287 |
| Core capital (leverage) ratio | 10.7241% | 2,718 |
| Tier 1 risk-based capital ratio | 13.6389% | 3,779 |
| Total risk-based capital ratio | 14.8096% | 3,754 |
| Memoranda: | ||
| Average total assets | $330,683,000 | 2,108 |
| Average earning assets | $319,118,500 | 1,996 |
| Average equity | $35,651,000 | 1,919 |
| Average total loans | $258,424,000 | 1,912 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2552% | 4,213 |
| Cost of funding earning assets | 2.9572% | 2,034 |
| Net interest margin | 3.2980% | 6,041 |
| Noninterest income to average assets | 0.5621% | 4,139 |
| Noninterest expense to average assets | 1.3800% | 8,088 |
| Loan and lease loss provision to assets | 1.3666% | 1,024 |
| Net operating income to assets | 0.9492% | 2,796 |
| Return on assets (ROA) | 0.9492% | 2,652 |
| Pretax return on assets | 0.9492% | 3,557 |
| Return on Equity (ROE) | 9.4097% | 2,470 |
| Retained earnings to average equity (ytd only) | 6.5668% | 1,311 |
| Net charge-offs to loans | 1.8447% | 597 |
| Credit loss provision to net charge-offs | 101.8297% | 5,232 |
| Earnings coverage of net charge-offs (x) | 1.7255% | 5,215 |
| Efficiency ratio | 37.3408% | 8,173 |
| Assets per employee ($millions) | 11.6630% | 174 |
| Cash dividends to net income (ytd only)* | 30.2125% | 4,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 6,498 |
| Loan loss allowance to noncurrent loans | 61.1792% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 1.1998% | 3,848 |
| Noncurrent loans to loans | 1.5221% | 3,505 |
| Net loans and leases to total assets | 78.0894% | 2,115 |
| Net loans and leases to deposits | 88.0043% | 3,806 |
| Net loans and leases to core deposits | 131.7852% | 1,736 |
| Total domestic deposits to total assets | 88.7336% | 1,131 |
| Equity capital to assets | 10.8616% | 3,158 |
| Core capital (leverage) ratio | 10.1747% | 3,296 |
| Tier 1 risk-based capital ratio | 13.7491% | 3,671 |
| Total risk-based capital ratio | 14.6857% | 3,760 |
| Memoranda: | ||
| Average total assets | $342,093,400 | 1,941 |
| Average earning assets | $325,041,600 | 1,877 |
| Average equity | $34,507,000 | 1,973 |
| Average total loans | $248,880,600 | 1,911 |