Home > Security Financial Bank > Performance and Condition Ratios
Security Financial Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0195% | 32 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 80,482.0000% | 19 |
| Cost of funding earning assets | 0.0000% | 4,519 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 0.9863% | 2,245 |
| Pretax return on assets | 0.9751% | 2,739 |
| Return on Equity (ROE) | 13.4900% | 1,604 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0013% | 2,802 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 1.5321% | 2,754 |
| Efficiency ratio | 8.4634% | 4,552 |
| Assets per employee ($millions) | 0.0000% | 4,576 |
| Cash dividends to net income (ytd only)* | 102.0000% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 5,237.0000% | 22 |
| Total domestic deposits to total assets | 0.0000% | 4,545 |
| Equity capital to assets | 4,919.0000% | 40 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,559,000 | 4,599 |
| Average earning assets | $8,936 | 4,553 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4227% | 3,064 |
| Cost of funding earning assets | 1.4605% | 1,704 |
| Net interest margin | 2.9621% | 3,415 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.0944% | 3,366 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0330% | 2,269 |
| Return on assets (ROA) | 0.9942% | 2,366 |
| Pretax return on assets | 1.0253% | 2,782 |
| Return on Equity (ROE) | 13.8000% | 1,702 |
| Retained earnings to average equity (ytd only) | 0.6908% | 4,010 |
| Net charge-offs to loans | 0.0033% | 2,390 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 475.3571% | 320 |
| Efficiency ratio | 65.4592% | 2,340 |
| Assets per employee ($millions) | 6.5820% | 2,262 |
| Cash dividends to net income (ytd only)* | 94.9928% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6415% | 801 |
| Loan loss allowance to noncurrent loans | 488.0940% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 2,096 |
| Noncurrent loans to loans | 0.3363% | 2,026 |
| Net loans and leases to total assets | 67.9400% | 2,048 |
| Net loans and leases to deposits | 77.8484% | 2,263 |
| Net loans and leases to core deposits | 83.1339% | 2,387 |
| Total domestic deposits to total assets | 87.2700% | 1,812 |
| Equity capital to assets | 6.8132% | 3,702 |
| Core capital (leverage) ratio | 9.0327% | 3,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9148% | 2,295 |
| Memoranda: | ||
| Average total assets | $832,932,500 | 1,150 |
| Average earning assets | $773,481,000 | 1,138 |
| Average equity | $60,029,000 | 1,381 |
| Average total loans | $558,771,250 | 1,135 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2832% | 3,125 |
| Cost of funding earning assets | 1.3220% | 1,652 |
| Net interest margin | 2.9612% | 3,541 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.1163% | 3,306 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9549% | 2,566 |
| Return on assets (ROA) | 0.8935% | 2,763 |
| Pretax return on assets | 0.9550% | 3,030 |
| Return on Equity (ROE) | 12.1700% | 2,099 |
| Retained earnings to average equity (ytd only) | -5.2311% | 4,428 |
| Net charge-offs to loans | 0.0054% | 2,058 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 282.2000% | 479 |
| Efficiency ratio | 66.6411% | 2,159 |
| Assets per employee ($millions) | 6.3269% | 2,450 |
| Cash dividends to net income (ytd only)* | 142.9728% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6928% | 767 |
| Loan loss allowance to noncurrent loans | 372.7947% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.3091% | 1,684 |
| Noncurrent loans to loans | 0.4541% | 1,577 |
| Net loans and leases to total assets | 66.9200% | 2,063 |
| Net loans and leases to deposits | 78.1997% | 2,113 |
| Net loans and leases to core deposits | 83.3712% | 2,245 |
| Total domestic deposits to total assets | 85.5800% | 2,368 |
| Equity capital to assets | 7.2213% | 3,679 |
| Core capital (leverage) ratio | 9.0638% | 3,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9076% | 2,329 |
| Memoranda: | ||
| Average total assets | $829,742,667 | 1,149 |
| Average earning assets | $769,612,000 | 1,143 |
| Average equity | $60,905,000 | 1,371 |
| Average total loans | $551,057,000 | 1,133 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1423% | 3,156 |
| Cost of funding earning assets | 1.1504% | 1,595 |
| Net interest margin | 2.9919% | 3,622 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.1489% | 3,256 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0234% | 2,459 |
| Return on assets (ROA) | 0.9256% | 2,727 |
| Pretax return on assets | 0.9256% | 3,175 |
| Return on Equity (ROE) | 12.5100% | 2,095 |
| Retained earnings to average equity (ytd only) | -12.8859% | 4,524 |
| Net charge-offs to loans | 0.0022% | 1,952 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 708.0000% | 165 |
| Efficiency ratio | 66.9198% | 2,098 |
| Assets per employee ($millions) | 6.4000% | 2,407 |
| Cash dividends to net income (ytd only)* | 203.0193% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7479% | 725 |
| Loan loss allowance to noncurrent loans | 346.2346% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.3320% | 1,530 |
| Noncurrent loans to loans | 0.5048% | 1,455 |
| Net loans and leases to total assets | 64.6100% | 2,191 |
| Net loans and leases to deposits | 73.0496% | 2,380 |
| Net loans and leases to core deposits | 77.9732% | 2,392 |
| Total domestic deposits to total assets | 88.4500% | 1,759 |
| Equity capital to assets | 7.5060% | 3,553 |
| Core capital (leverage) ratio | 9.0133% | 3,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1031% | 2,353 |
| Memoranda: | ||
| Average total assets | $830,202,000 | 1,167 |
| Average earning assets | $769,142,500 | 1,156 |
| Average equity | $61,431,500 | 1,374 |
| Average total loans | $544,484,500 | 1,154 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1178% | 1,432 |
| Cost of funding earning assets | 0.4039% | 2,066 |
| Net interest margin | 3.7139% | 1,347 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.1162% | 3,249 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6084% | 680 |
| Return on assets (ROA) | 1.5982% | 659 |
| Pretax return on assets | 1.7123% | 894 |
| Return on Equity (ROE) | 20.5900% | 421 |
| Retained earnings to average equity (ytd only) | 8.2316% | 1,745 |
| Net charge-offs to loans | 0.0019% | 2,469 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 1,440.6000% | 122 |
| Efficiency ratio | 54.4398% | 3,753 |
| Assets per employee ($millions) | 6.2286% | 2,569 |
| Cash dividends to net income (ytd only)* | 60.0299% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4275% | 1,407 |
| Loan loss allowance to noncurrent loans | 254.4408% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.3670% | 1,395 |
| Noncurrent loans to loans | 0.5610% | 1,322 |
| Net loans and leases to total assets | 64.4700% | 2,198 |
| Net loans and leases to deposits | 74.3255% | 2,231 |
| Net loans and leases to core deposits | 78.3909% | 2,249 |
| Total domestic deposits to total assets | 86.7500% | 2,473 |
| Equity capital to assets | 7.2927% | 3,495 |
| Core capital (leverage) ratio | 9.2440% | 3,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3694% | 2,212 |
| Memoranda: | ||
| Average total assets | $835,944,800 | 1,151 |
| Average earning assets | $769,800,800 | 1,148 |
| Average equity | $64,871,800 | 1,323 |
| Average total loans | $518,166,800 | 1,148 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8424% | 1,633 |
| Cost of funding earning assets | 0.3154% | 2,009 |
| Net interest margin | 3.5269% | 1,585 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.0669% | 3,301 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4535% | 944 |
| Return on assets (ROA) | 1.4486% | 934 |
| Pretax return on assets | 1.5503% | 1,265 |
| Return on Equity (ROE) | 18.3900% | 594 |
| Retained earnings to average equity (ytd only) | 7.2397% | 2,284 |
| Net charge-offs to loans | 0.0034% | 2,102 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 751.9231% | 219 |
| Efficiency ratio | 56.3414% | 3,593 |
| Assets per employee ($millions) | 6.1748% | 2,598 |
| Cash dividends to net income (ytd only)* | 60.6393% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 1,272 |
| Loan loss allowance to noncurrent loans | 237.9809% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.3986% | 1,359 |
| Noncurrent loans to loans | 0.6335% | 1,282 |
| Net loans and leases to total assets | 61.9700% | 2,291 |
| Net loans and leases to deposits | 68.1106% | 2,527 |
| Net loans and leases to core deposits | 71.0172% | 2,566 |
| Total domestic deposits to total assets | 90.9800% | 1,250 |
| Equity capital to assets | 6.7237% | 3,651 |
| Core capital (leverage) ratio | 8.8549% | 3,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2690% | 2,365 |
| Memoranda: | ||
| Average total assets | $837,830,500 | 1,156 |
| Average earning assets | $770,965,250 | 1,154 |
| Average equity | $65,986,500 | 1,318 |
| Average total loans | $512,247,000 | 1,155 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7866% | 1,349 |
| Cost of funding earning assets | 0.3262% | 1,471 |
| Net interest margin | 3.4603% | 1,418 |
| Noninterest income to average assets | 0.3558% | 3,022 |
| Noninterest expense to average assets | 2.0376% | 3,328 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4102% | 887 |
| Return on assets (ROA) | 1.4021% | 877 |
| Pretax return on assets | 1.4965% | 1,175 |
| Return on Equity (ROE) | 17.0037% | 569 |
| Retained earnings to average equity (ytd only) | 4.6102% | 2,844 |
| Net charge-offs to loans | 0.0004% | 2,149 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 6,362.0000% | 6 |
| Efficiency ratio | 56.7947% | 3,700 |
| Assets per employee ($millions) | 6.2333% | 2,538 |
| Cash dividends to net income (ytd only)* | 72.8868% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5385% | 1,306 |
| Loan loss allowance to noncurrent loans | 232.6224% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.4016% | 1,399 |
| Noncurrent loans to loans | 0.6614% | 1,293 |
| Net loans and leases to total assets | 59.7831% | 2,346 |
| Net loans and leases to deposits | 67.2120% | 2,449 |
| Net loans and leases to core deposits | 70.5647% | 2,444 |
| Total domestic deposits to total assets | 88.9471% | 2,209 |
| Equity capital to assets | 7.3757% | 3,546 |
| Core capital (leverage) ratio | 8.8209% | 3,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1373% | 2,438 |
| Memoranda: | ||
| Average total assets | $845,417,667 | 1,141 |
| Average earning assets | $778,595,000 | 1,149 |
| Average equity | $69,714,333 | 1,296 |
| Average total loans | $512,052,333 | 1,146 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6912% | 1,291 |
| Cost of funding earning assets | 0.3380% | 1,306 |
| Net interest margin | 3.3532% | 1,429 |
| Noninterest income to average assets | 0.3346% | 3,091 |
| Noninterest expense to average assets | 2.0314% | 3,349 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3945% | 811 |
| Return on assets (ROA) | 1.3903% | 815 |
| Pretax return on assets | 1.3903% | 1,275 |
| Return on Equity (ROE) | 16.0382% | 529 |
| Retained earnings to average equity (ytd only) | 5.6596% | 2,364 |
| Net charge-offs to loans | 0.0054% | 1,560 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 425.1429% | 240 |
| Efficiency ratio | 58.5556% | 3,626 |
| Assets per employee ($millions) | 6.3896% | 2,459 |
| Cash dividends to net income (ytd only)* | 64.7118% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5288% | 1,466 |
| Loan loss allowance to noncurrent loans | 224.0950% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.4094% | 1,477 |
| Noncurrent loans to loans | 0.6822% | 1,392 |
| Net loans and leases to total assets | 59.0919% | 2,181 |
| Net loans and leases to deposits | 66.0986% | 2,331 |
| Net loans and leases to core deposits | 68.9998% | 2,373 |
| Total domestic deposits to total assets | 89.3996% | 1,868 |
| Equity capital to assets | 8.2233% | 3,382 |
| Core capital (leverage) ratio | 8.4388% | 3,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4038% | 2,444 |
| Memoranda: | ||
| Average total assets | $853,615,000 | 1,135 |
| Average earning assets | $786,947,000 | 1,143 |
| Average equity | $73,998,500 | 1,271 |
| Average total loans | $516,398,500 | 1,135 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2953% | 3,229 |
| Cost of funding earning assets | 0.3559% | 1,885 |
| Net interest margin | 2.9394% | 3,349 |
| Noninterest income to average assets | 0.5135% | 2,505 |
| Noninterest expense to average assets | 1.8411% | 4,067 |
| Loan and lease loss provision to assets | 0.0595% | 1,872 |
| Net operating income to assets | 1.1574% | 2,073 |
| Return on assets (ROA) | 1.1678% | 2,093 |
| Pretax return on assets | 1.3663% | 2,157 |
| Return on Equity (ROE) | 12.0839% | 1,786 |
| Retained earnings to average equity (ytd only) | 0.0689% | 4,468 |
| Net charge-offs to loans | 0.0006% | 2,677 |
| Credit loss provision to net charge-offs | 16,666.6667% | 42 |
| Earnings coverage of net charge-offs (x) | 3,962.0000% | 31 |
| Efficiency ratio | 55.8755% | 3,718 |
| Assets per employee ($millions) | 6.3051% | 2,485 |
| Cash dividends to net income (ytd only)* | 99.4297% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4706% | 1,658 |
| Loan loss allowance to noncurrent loans | 220.9070% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 1,575 |
| Noncurrent loans to loans | 0.6657% | 1,504 |
| Net loans and leases to total assets | 60.0735% | 2,154 |
| Net loans and leases to deposits | 69.0168% | 2,221 |
| Net loans and leases to core deposits | 72.2207% | 2,242 |
| Total domestic deposits to total assets | 87.0419% | 2,506 |
| Equity capital to assets | 9.1039% | 3,510 |
| Core capital (leverage) ratio | 8.4598% | 3,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9434% | 2,651 |
| Memoranda: | ||
| Average total assets | $840,906,600 | 1,101 |
| Average earning assets | $784,179,600 | 1,107 |
| Average equity | $81,265,000 | 1,193 |
| Average total loans | $500,041,200 | 1,161 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1248% | 3,756 |
| Cost of funding earning assets | 0.3553% | 2,062 |
| Net interest margin | 2.7694% | 3,842 |
| Noninterest income to average assets | 0.3873% | 3,169 |
| Noninterest expense to average assets | 1.7286% | 4,287 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0540% | 2,715 |
| Return on assets (ROA) | 1.0634% | 2,744 |
| Pretax return on assets | 1.2593% | 2,736 |
| Return on Equity (ROE) | 10.8410% | 2,420 |
| Retained earnings to average equity (ytd only) | 6.1212% | 2,769 |
| Net charge-offs to loans | -0.0005% | 3,086 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3421% | 3,377 |
| Assets per employee ($millions) | 6.1933% | 2,512 |
| Cash dividends to net income (ytd only)* | 43.5370% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4227% | 1,929 |
| Loan loss allowance to noncurrent loans | 168.9350% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.5057% | 1,512 |
| Noncurrent loans to loans | 0.8422% | 1,355 |
| Net loans and leases to total assets | 59.1952% | 2,353 |
| Net loans and leases to deposits | 68.6705% | 2,375 |
| Net loans and leases to core deposits | 72.0003% | 2,423 |
| Total domestic deposits to total assets | 86.2019% | 2,666 |
| Equity capital to assets | 9.8911% | 3,008 |
| Core capital (leverage) ratio | 10.3544% | 2,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3059% | 2,261 |
| Memoranda: | ||
| Average total assets | $835,184,000 | 1,121 |
| Average earning assets | $780,884,750 | 1,127 |
| Average equity | $81,921,500 | 1,198 |
| Average total loans | $493,387,000 | 1,197 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9593% | 1,654 |
| Cost of funding earning assets | 0.4797% | 1,330 |
| Net interest margin | 3.4796% | 1,918 |
| Noninterest income to average assets | 0.4723% | 2,744 |
| Noninterest expense to average assets | 2.2032% | 3,083 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1601% | 2,334 |
| Return on assets (ROA) | 1.1714% | 2,357 |
| Pretax return on assets | 1.5111% | 1,983 |
| Return on Equity (ROE) | 12.0531% | 2,039 |
| Retained earnings to average equity (ytd only) | 5.3442% | 3,052 |
| Net charge-offs to loans | 0.0005% | 2,233 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 4,706.0000% | 14 |
| Efficiency ratio | 58.7897% | 3,176 |
| Assets per employee ($millions) | 5.9479% | 2,671 |
| Cash dividends to net income (ytd only)* | 55.6611% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6221% | 1,226 |
| Loan loss allowance to noncurrent loans | 939.3701% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.1197% | 3,439 |
| Noncurrent loans to loans | 0.1727% | 3,351 |
| Net loans and leases to total assets | 68.2110% | 1,421 |
| Net loans and leases to deposits | 79.1902% | 1,500 |
| Net loans and leases to core deposits | 80.3406% | 1,861 |
| Total domestic deposits to total assets | 86.1356% | 2,691 |
| Equity capital to assets | 9.6287% | 3,219 |
| Core capital (leverage) ratio | 8.4580% | 4,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5388% | 2,849 |
| Memoranda: | ||
| Average total assets | $628,807,667 | 1,407 |
| Average earning assets | $583,281,333 | 1,418 |
| Average equity | $61,112,667 | 1,503 |
| Average total loans | $425,653,333 | 1,339 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9322% | 1,747 |
| Cost of funding earning assets | 0.5193% | 1,275 |
| Net interest margin | 3.4129% | 2,075 |
| Noninterest income to average assets | 0.4819% | 2,699 |
| Noninterest expense to average assets | 2.1741% | 3,186 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0618% | 2,599 |
| Return on assets (ROA) | 1.0790% | 2,624 |
| Pretax return on assets | 1.4925% | 2,013 |
| Return on Equity (ROE) | 11.0504% | 2,356 |
| Retained earnings to average equity (ytd only) | 11.0504% | 1,390 |
| Net charge-offs to loans | 0.0019% | 1,855 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 1,149.0000% | 78 |
| Efficiency ratio | 58.8762% | 3,175 |
| Assets per employee ($millions) | 5.7950% | 2,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6876% | 1,074 |
| Loan loss allowance to noncurrent loans | 928.4047% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.1232% | 3,560 |
| Noncurrent loans to loans | 0.1818% | 3,455 |
| Net loans and leases to total assets | 66.6289% | 1,712 |
| Net loans and leases to deposits | 77.4142% | 1,767 |
| Net loans and leases to core deposits | 82.3752% | 1,814 |
| Total domestic deposits to total assets | 86.0680% | 2,712 |
| Equity capital to assets | 9.8183% | 2,880 |
| Core capital (leverage) ratio | 8.5672% | 4,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9129% | 2,699 |
| Memoranda: | ||
| Average total assets | $625,001,000 | 1,400 |
| Average earning assets | $579,217,000 | 1,412 |
| Average equity | $61,029,500 | 1,495 |
| Average total loans | $417,846,500 | 1,366 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4043% | 1,584 |
| Cost of funding earning assets | 0.6897% | 1,772 |
| Net interest margin | 3.7146% | 1,746 |
| Noninterest income to average assets | 0.6701% | 1,953 |
| Noninterest expense to average assets | 2.3846% | 3,168 |
| Loan and lease loss provision to assets | 0.2972% | 1,267 |
| Net operating income to assets | 1.3898% | 1,043 |
| Return on assets (ROA) | 1.3880% | 1,139 |
| Pretax return on assets | 1.3972% | 1,662 |
| Return on Equity (ROE) | 13.2691% | 975 |
| Retained earnings to average equity (ytd only) | 5.4923% | 2,045 |
| Net charge-offs to loans | 0.0250% | 2,541 |
| Credit loss provision to net charge-offs | 1,680.0000% | 504 |
| Earnings coverage of net charge-offs (x) | 95.8900% | 805 |
| Efficiency ratio | 57.6723% | 3,772 |
| Assets per employee ($millions) | 5.8331% | 2,513 |
| Cash dividends to net income (ytd only)* | 58.6084% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7398% | 963 |
| Loan loss allowance to noncurrent loans | 173.4076% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.6615% | 1,582 |
| Noncurrent loans to loans | 1.0033% | 1,415 |
| Net loans and leases to total assets | 64.7884% | 2,257 |
| Net loans and leases to deposits | 76.9022% | 2,181 |
| Net loans and leases to core deposits | 81.2870% | 2,250 |
| Total domestic deposits to total assets | 84.2478% | 3,033 |
| Equity capital to assets | 9.7109% | 3,392 |
| Core capital (leverage) ratio | 8.3802% | 4,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0996% | 2,896 |
| Memoranda: | ||
| Average total assets | $565,329,000 | 1,407 |
| Average earning assets | $519,083,200 | 1,415 |
| Average equity | $59,137,400 | 1,463 |
| Average total loans | $399,359,800 | 1,359 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4427% | 1,726 |
| Cost of funding earning assets | 0.7247% | 1,878 |
| Net interest margin | 3.7180% | 1,883 |
| Noninterest income to average assets | 0.6359% | 2,045 |
| Noninterest expense to average assets | 2.3570% | 3,265 |
| Loan and lease loss provision to assets | 0.1938% | 2,037 |
| Net operating income to assets | 1.4869% | 933 |
| Return on assets (ROA) | 1.4812% | 1,025 |
| Pretax return on assets | 1.4906% | 1,468 |
| Return on Equity (ROE) | 13.8777% | 899 |
| Retained earnings to average equity (ytd only) | 12.1761% | 402 |
| Net charge-offs to loans | 0.0071% | 2,868 |
| Credit loss provision to net charge-offs | 3,809.5238% | 279 |
| Earnings coverage of net charge-offs (x) | 332.3810% | 331 |
| Efficiency ratio | 57.4429% | 3,746 |
| Assets per employee ($millions) | 5.8972% | 2,352 |
| Cash dividends to net income (ytd only)* | 12.2609% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4847% | 1,432 |
| Loan loss allowance to noncurrent loans | 150.4969% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.6957% | 1,676 |
| Noncurrent loans to loans | 0.9866% | 1,518 |
| Net loans and leases to total assets | 69.4751% | 2,030 |
| Net loans and leases to deposits | 86.1135% | 1,689 |
| Net loans and leases to core deposits | 89.5650% | 2,010 |
| Total domestic deposits to total assets | 80.6786% | 3,730 |
| Equity capital to assets | 10.3395% | 2,928 |
| Core capital (leverage) ratio | 9.0398% | 3,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6475% | 2,744 |
| Memoranda: | ||
| Average total assets | $550,626,000 | 1,419 |
| Average earning assets | $505,204,500 | 1,426 |
| Average equity | $58,769,250 | 1,459 |
| Average total loans | $396,317,000 | 1,356 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6504% | 1,534 |
| Cost of funding earning assets | 0.7723% | 1,982 |
| Net interest margin | 3.8781% | 1,628 |
| Noninterest income to average assets | 0.5909% | 2,161 |
| Noninterest expense to average assets | 2.3814% | 3,300 |
| Loan and lease loss provision to assets | 0.1234% | 2,797 |
| Net operating income to assets | 1.6219% | 726 |
| Return on assets (ROA) | 1.6114% | 816 |
| Pretax return on assets | 1.6212% | 1,177 |
| Return on Equity (ROE) | 14.9204% | 723 |
| Retained earnings to average equity (ytd only) | 12.3083% | 421 |
| Net charge-offs to loans | 0.0026% | 2,910 |
| Credit loss provision to net charge-offs | 6,560.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 933.2000% | 98 |
| Efficiency ratio | 56.7700% | 3,853 |
| Assets per employee ($millions) | 5.8918% | 2,278 |
| Cash dividends to net income (ytd only)* | 17.5070% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3818% | 1,650 |
| Loan loss allowance to noncurrent loans | 126.1055% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.7866% | 1,583 |
| Noncurrent loans to loans | 1.0957% | 1,432 |
| Net loans and leases to total assets | 70.7992% | 1,909 |
| Net loans and leases to deposits | 91.5010% | 1,214 |
| Net loans and leases to core deposits | 94.9059% | 1,669 |
| Total domestic deposits to total assets | 77.3754% | 4,268 |
| Equity capital to assets | 10.2387% | 2,974 |
| Core capital (leverage) ratio | 9.1086% | 3,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3542% | 2,869 |
| Memoranda: | ||
| Average total assets | $531,698,000 | 1,429 |
| Average earning assets | $486,111,667 | 1,443 |
| Average equity | $57,424,667 | 1,478 |
| Average total loans | $385,636,333 | 1,373 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7306% | 1,616 |
| Cost of funding earning assets | 0.8780% | 1,978 |
| Net interest margin | 3.8526% | 1,814 |
| Noninterest income to average assets | 0.4712% | 2,698 |
| Noninterest expense to average assets | 2.4575% | 3,397 |
| Loan and lease loss provision to assets | 0.0960% | 2,487 |
| Net operating income to assets | 1.4069% | 961 |
| Return on assets (ROA) | 1.3784% | 1,118 |
| Pretax return on assets | 1.3888% | 1,598 |
| Return on Equity (ROE) | 12.3794% | 1,016 |
| Retained earnings to average equity (ytd only) | 6.9908% | 1,540 |
| Net charge-offs to loans | 0.0066% | 2,340 |
| Credit loss provision to net charge-offs | 2,000.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 315.3333% | 224 |
| Efficiency ratio | 60.9992% | 3,616 |
| Assets per employee ($millions) | 4.8897% | 2,767 |
| Cash dividends to net income (ytd only)* | 43.5287% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 1,215 |
| Loan loss allowance to noncurrent loans | 128.9986% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.8850% | 1,514 |
| Noncurrent loans to loans | 1.1956% | 1,365 |
| Net loans and leases to total assets | 72.8787% | 1,788 |
| Net loans and leases to deposits | 91.8204% | 1,304 |
| Net loans and leases to core deposits | 94.9714% | 1,883 |
| Total domestic deposits to total assets | 79.3710% | 3,979 |
| Equity capital to assets | 11.3277% | 2,568 |
| Core capital (leverage) ratio | 9.7503% | 3,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1747% | 3,049 |
| Memoranda: | ||
| Average total assets | $500,010,500 | 1,466 |
| Average earning assets | $454,237,500 | 1,485 |
| Average equity | $55,673,000 | 1,506 |
| Average total loans | $364,849,500 | 1,402 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8960% | 1,760 |
| Cost of funding earning assets | 0.9659% | 1,880 |
| Net interest margin | 3.9301% | 2,071 |
| Noninterest income to average assets | 0.5856% | 2,294 |
| Noninterest expense to average assets | 2.5243% | 3,383 |
| Loan and lease loss provision to assets | 0.1771% | 1,177 |
| Net operating income to assets | 1.4528% | 1,175 |
| Return on assets (ROA) | 1.4760% | 1,168 |
| Pretax return on assets | 1.4865% | 1,846 |
| Return on Equity (ROE) | 13.7849% | 942 |
| Retained earnings to average equity (ytd only) | 4.5645% | 2,673 |
| Net charge-offs to loans | 0.0079% | 3,395 |
| Credit loss provision to net charge-offs | 3,107.1429% | 130 |
| Earnings coverage of net charge-offs (x) | 287.7857% | 293 |
| Efficiency ratio | 59.7488% | 3,734 |
| Assets per employee ($millions) | 4.9144% | 2,694 |
| Cash dividends to net income (ytd only)* | 66.8873% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5478% | 1,091 |
| Loan loss allowance to noncurrent loans | 115.8397% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.9610% | 1,313 |
| Noncurrent loans to loans | 1.3361% | 1,120 |
| Net loans and leases to total assets | 70.8085% | 2,275 |
| Net loans and leases to deposits | 86.2263% | 2,055 |
| Net loans and leases to core deposits | 89.0501% | 2,511 |
| Total domestic deposits to total assets | 82.1193% | 3,480 |
| Equity capital to assets | 10.9420% | 3,058 |
| Core capital (leverage) ratio | 9.3541% | 4,219 |
| Tier 1 risk-based capital ratio | 10.9419% | 4,878 |
| Total risk-based capital ratio | 12.1927% | 4,780 |
| Memoranda: | ||
| Average total assets | $491,273,000 | 1,451 |
| Average earning assets | $447,369,200 | 1,463 |
| Average equity | $52,601,200 | 1,528 |
| Average total loans | $354,603,000 | 1,399 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8951% | 1,832 |
| Cost of funding earning assets | 0.9649% | 1,911 |
| Net interest margin | 3.9302% | 2,159 |
| Noninterest income to average assets | 0.5895% | 2,266 |
| Noninterest expense to average assets | 2.4613% | 3,532 |
| Loan and lease loss provision to assets | 0.1473% | 1,293 |
| Net operating income to assets | 1.5606% | 1,027 |
| Return on assets (ROA) | 1.5865% | 1,010 |
| Pretax return on assets | 1.5969% | 1,650 |
| Return on Equity (ROE) | 14.9012% | 795 |
| Retained earnings to average equity (ytd only) | 2.4750% | 4,103 |
| Net charge-offs to loans | 0.0023% | 3,357 |
| Credit loss provision to net charge-offs | 9,000.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 1,049.6400% | 87 |
| Efficiency ratio | 58.0249% | 3,935 |
| Assets per employee ($millions) | 5.0429% | 2,500 |
| Cash dividends to net income (ytd only)* | 83.3907% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 1,323 |
| Loan loss allowance to noncurrent loans | 96.5745% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.0934% | 1,196 |
| Noncurrent loans to loans | 1.5255% | 987 |
| Net loans and leases to total assets | 70.6192% | 2,386 |
| Net loans and leases to deposits | 88.0971% | 1,917 |
| Net loans and leases to core deposits | 90.9196% | 2,475 |
| Total domestic deposits to total assets | 80.1607% | 3,964 |
| Equity capital to assets | 10.7220% | 3,361 |
| Core capital (leverage) ratio | 9.2791% | 4,396 |
| Tier 1 risk-based capital ratio | 10.8867% | 4,958 |
| Total risk-based capital ratio | 12.1371% | 4,854 |
| Memoranda: | ||
| Average total assets | $488,773,250 | 1,459 |
| Average earning assets | $446,450,000 | 1,470 |
| Average equity | $52,039,250 | 1,544 |
| Average total loans | $353,123,000 | 1,416 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8664% | 1,856 |
| Cost of funding earning assets | 0.9429% | 1,950 |
| Net interest margin | 3.9236% | 2,173 |
| Noninterest income to average assets | 0.5572% | 2,354 |
| Noninterest expense to average assets | 2.4658% | 3,586 |
| Loan and lease loss provision to assets | 0.1484% | 1,242 |
| Net operating income to assets | 1.5257% | 1,073 |
| Return on assets (ROA) | 1.5257% | 1,122 |
| Pretax return on assets | 1.5360% | 1,739 |
| Return on Equity (ROE) | 14.3649% | 902 |
| Retained earnings to average equity (ytd only) | -1.1563% | 4,841 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5402% | 3,933 |
| Assets per employee ($millions) | 4.9333% | 2,560 |
| Cash dividends to net income (ytd only)* | 108.0497% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 1,496 |
| Loan loss allowance to noncurrent loans | 95.9172% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 1.0993% | 1,235 |
| Noncurrent loans to loans | 1.4896% | 1,038 |
| Net loans and leases to total assets | 72.7475% | 2,104 |
| Net loans and leases to deposits | 92.6709% | 1,413 |
| Net loans and leases to core deposits | 95.3743% | 2,127 |
| Total domestic deposits to total assets | 78.5010% | 4,314 |
| Equity capital to assets | 10.7517% | 3,307 |
| Core capital (leverage) ratio | 9.0686% | 4,577 |
| Tier 1 risk-based capital ratio | 10.5820% | 5,074 |
| Total risk-based capital ratio | 11.8348% | 4,987 |
| Memoranda: | ||
| Average total assets | $485,280,330 | 1,472 |
| Average earning assets | $444,390,330 | 1,481 |
| Average equity | $51,542,330 | 1,551 |
| Average total loans | $351,550,670 | 1,425 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7470% | 2,060 |
| Cost of funding earning assets | 0.8815% | 2,085 |
| Net interest margin | 3.8655% | 2,293 |
| Noninterest income to average assets | 0.4953% | 2,582 |
| Noninterest expense to average assets | 2.4196% | 3,719 |
| Loan and lease loss provision to assets | 0.1481% | 1,144 |
| Net operating income to assets | 1.4571% | 1,210 |
| Return on assets (ROA) | 1.4571% | 1,242 |
| Pretax return on assets | 1.4669% | 1,874 |
| Return on Equity (ROE) | 13.8028% | 1,011 |
| Retained earnings to average equity (ytd only) | 6.2038% | 2,364 |
| Net charge-offs to loans | -0.0034% | 3,942 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0742% | 3,940 |
| Assets per employee ($millions) | 4.9029% | 2,642 |
| Cash dividends to net income (ytd only)* | 55.0536% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4162% | 1,612 |
| Loan loss allowance to noncurrent loans | 90.4596% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.1322% | 1,205 |
| Noncurrent loans to loans | 1.5655% | 1,019 |
| Net loans and leases to total assets | 71.2953% | 2,285 |
| Net loans and leases to deposits | 88.7928% | 1,770 |
| Net loans and leases to core deposits | 91.6297% | 2,334 |
| Total domestic deposits to total assets | 80.2940% | 4,118 |
| Equity capital to assets | 10.8806% | 2,975 |
| Core capital (leverage) ratio | 9.3436% | 4,325 |
| Tier 1 risk-based capital ratio | 11.0470% | 4,953 |
| Total risk-based capital ratio | 12.2799% | 4,861 |
| Memoranda: | ||
| Average total assets | $486,186,500 | 1,472 |
| Average earning assets | $445,166,000 | 1,492 |
| Average equity | $51,323,000 | 1,541 |
| Average total loans | $348,921,500 | 1,444 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7240% | 1,748 |
| Cost of funding earning assets | 0.8713% | 1,215 |
| Net interest margin | 3.8527% | 2,489 |
| Noninterest income to average assets | 0.4708% | 2,991 |
| Noninterest expense to average assets | 2.5032% | 3,603 |
| Loan and lease loss provision to assets | 0.0676% | 2,793 |
| Net operating income to assets | 1.4221% | 1,355 |
| Return on assets (ROA) | 1.4221% | 1,358 |
| Pretax return on assets | 1.4314% | 2,027 |
| Return on Equity (ROE) | 13.2286% | 1,259 |
| Retained earnings to average equity (ytd only) | -13.0694% | 5,347 |
| Net charge-offs to loans | 0.0310% | 2,780 |
| Credit loss provision to net charge-offs | 303.0303% | 1,020 |
| Earnings coverage of net charge-offs (x) | 67.2121% | 957 |
| Efficiency ratio | 61.9385% | 3,539 |
| Assets per employee ($millions) | 5.0192% | 2,476 |
| Cash dividends to net income (ytd only)* | 198.7961% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3523% | 1,816 |
| Loan loss allowance to noncurrent loans | 387.4080% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 3,608 |
| Noncurrent loans to loans | 0.3491% | 3,290 |
| Net loans and leases to total assets | 70.2641% | 2,529 |
| Net loans and leases to deposits | 85.9334% | 2,281 |
| Net loans and leases to core deposits | 88.0930% | 2,745 |
| Total domestic deposits to total assets | 81.7658% | 3,704 |
| Equity capital to assets | 10.2394% | 3,431 |
| Core capital (leverage) ratio | 9.1904% | 4,468 |
| Tier 1 risk-based capital ratio | 11.2311% | 4,847 |
| Total risk-based capital ratio | 12.4597% | 4,776 |
| Memoranda: | ||
| Average total assets | $443,908,800 | 1,552 |
| Average earning assets | $406,883,200 | 1,563 |
| Average equity | $47,722,200 | 1,577 |
| Average total loans | $319,634,800 | 1,514 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6374% | 1,877 |
| Cost of funding earning assets | 0.8647% | 1,052 |
| Net interest margin | 3.7727% | 2,742 |
| Noninterest income to average assets | 0.4360% | 3,245 |
| Noninterest expense to average assets | 2.5426% | 3,467 |
| Loan and lease loss provision to assets | 0.0694% | 2,584 |
| Net operating income to assets | 1.2768% | 1,942 |
| Return on assets (ROA) | 1.2768% | 1,943 |
| Pretax return on assets | 1.2864% | 2,676 |
| Return on Equity (ROE) | 11.6782% | 1,917 |
| Retained earnings to average equity (ytd only) | -23.7401% | 5,443 |
| Net charge-offs to loans | 0.0376% | 2,327 |
| Credit loss provision to net charge-offs | 255.6818% | 1,158 |
| Earnings coverage of net charge-offs (x) | 49.9320% | 1,176 |
| Efficiency ratio | 64.9201% | 3,046 |
| Assets per employee ($millions) | 4.9995% | 2,464 |
| Cash dividends to net income (ytd only)* | 303.2864% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3331% | 1,946 |
| Loan loss allowance to noncurrent loans | 442.1003% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.2225% | 3,835 |
| Noncurrent loans to loans | 0.3015% | 3,598 |
| Net loans and leases to total assets | 72.8196% | 2,200 |
| Net loans and leases to deposits | 90.9746% | 1,764 |
| Net loans and leases to core deposits | 93.2509% | 2,373 |
| Total domestic deposits to total assets | 80.0438% | 4,112 |
| Equity capital to assets | 10.0199% | 3,628 |
| Core capital (leverage) ratio | 8.6554% | 5,000 |
| Tier 1 risk-based capital ratio | 11.0008% | 5,034 |
| Total risk-based capital ratio | 12.2614% | 4,926 |
| Memoranda: | ||
| Average total assets | $432,097,250 | 1,597 |
| Average earning assets | $396,562,500 | 1,609 |
| Average equity | $47,243,750 | 1,591 |
| Average total loans | $311,954,500 | 1,549 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5373% | 1,969 |
| Cost of funding earning assets | 0.8731% | 818 |
| Net interest margin | 3.6641% | 3,064 |
| Noninterest income to average assets | 0.3954% | 3,521 |
| Noninterest expense to average assets | 2.5389% | 3,516 |
| Loan and lease loss provision to assets | 0.0718% | 2,452 |
| Net operating income to assets | 1.1354% | 2,455 |
| Return on assets (ROA) | 1.1354% | 2,462 |
| Pretax return on assets | 1.1455% | 3,150 |
| Return on Equity (ROE) | 10.0661% | 2,534 |
| Retained earnings to average equity (ytd only) | 0.3055% | 4,907 |
| Net charge-offs to loans | 0.0321% | 2,208 |
| Credit loss provision to net charge-offs | 312.5000% | 976 |
| Earnings coverage of net charge-offs (x) | 52.9792% | 1,087 |
| Efficiency ratio | 67.2741% | 2,766 |
| Assets per employee ($millions) | 5.1311% | 2,260 |
| Cash dividends to net income (ytd only)* | 96.9646% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5121% | 1,359 |
| Loan loss allowance to noncurrent loans | 1,414.0244% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 4,616 |
| Noncurrent loans to loans | 0.1069% | 4,433 |
| Net loans and leases to total assets | 71.7976% | 2,305 |
| Net loans and leases to deposits | 97.9406% | 975 |
| Net loans and leases to core deposits | 100.3945% | 1,703 |
| Total domestic deposits to total assets | 73.3073% | 5,099 |
| Equity capital to assets | 11.1173% | 2,529 |
| Core capital (leverage) ratio | 10.4670% | 3,068 |
| Tier 1 risk-based capital ratio | 13.6348% | 3,541 |
| Total risk-based capital ratio | 14.8998% | 3,447 |
| Memoranda: | ||
| Average total assets | $417,811,000 | 1,646 |
| Average earning assets | $383,226,670 | 1,672 |
| Average equity | $47,128,330 | 1,600 |
| Average total loans | $299,094,670 | 1,607 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4149% | 2,147 |
| Cost of funding earning assets | 0.7942% | 972 |
| Net interest margin | 3.6207% | 3,104 |
| Noninterest income to average assets | 0.4006% | 3,465 |
| Noninterest expense to average assets | 2.5248% | 3,574 |
| Loan and lease loss provision to assets | 0.0721% | 2,322 |
| Net operating income to assets | 1.1097% | 2,383 |
| Return on assets (ROA) | 1.1097% | 2,398 |
| Pretax return on assets | 1.1193% | 3,100 |
| Return on Equity (ROE) | 9.7665% | 2,555 |
| Retained earnings to average equity (ytd only) | -0.3805% | 4,848 |
| Net charge-offs to loans | 0.0623% | 1,485 |
| Credit loss provision to net charge-offs | 163.0435% | 1,178 |
| Earnings coverage of net charge-offs (x) | 26.9565% | 1,309 |
| Efficiency ratio | 67.6060% | 2,895 |
| Assets per employee ($millions) | 5.0317% | 2,445 |
| Cash dividends to net income (ytd only)* | 103.8961% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5239% | 1,375 |
| Loan loss allowance to noncurrent loans | 992.1739% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.1115% | 4,537 |
| Noncurrent loans to loans | 0.1536% | 4,290 |
| Net loans and leases to total assets | 71.4815% | 2,252 |
| Net loans and leases to deposits | 96.3283% | 1,001 |
| Net loans and leases to core deposits | 98.7597% | 1,783 |
| Total domestic deposits to total assets | 74.2061% | 5,131 |
| Equity capital to assets | 11.3359% | 2,266 |
| Core capital (leverage) ratio | 10.5632% | 2,877 |
| Tier 1 risk-based capital ratio | 13.8629% | 3,456 |
| Total risk-based capital ratio | 15.1278% | 3,360 |
| Memoranda: | ||
| Average total assets | $416,342,500 | 1,661 |
| Average earning assets | $381,252,500 | 1,694 |
| Average equity | $47,304,500 | 1,602 |
| Average total loans | $295,279,500 | 1,632 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3952% | 2,036 |
| Cost of funding earning assets | 0.7791% | 699 |
| Net interest margin | 3.6161% | 3,116 |
| Noninterest income to average assets | 0.4688% | 3,199 |
| Noninterest expense to average assets | 2.4136% | 4,041 |
| Loan and lease loss provision to assets | 0.1212% | 1,893 |
| Net operating income to assets | 1.2425% | 1,383 |
| Return on assets (ROA) | 1.2516% | 1,382 |
| Pretax return on assets | 1.2594% | 2,511 |
| Return on Equity (ROE) | 10.8337% | 1,544 |
| Retained earnings to average equity (ytd only) | 1.0154% | 4,625 |
| Net charge-offs to loans | 0.0695% | 2,458 |
| Credit loss provision to net charge-offs | 251.2563% | 1,096 |
| Earnings coverage of net charge-offs (x) | 28.4322% | 1,603 |
| Efficiency ratio | 63.4477% | 3,686 |
| Assets per employee ($millions) | 5.5274% | 1,905 |
| Cash dividends to net income (ytd only)* | 90.6274% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5584% | 1,250 |
| Loan loss allowance to noncurrent loans | 697.8462% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.1547% | 4,362 |
| Noncurrent loans to loans | 0.2233% | 4,014 |
| Net loans and leases to total assets | 68.2068% | 2,795 |
| Net loans and leases to deposits | 89.6040% | 1,821 |
| Net loans and leases to core deposits | 91.4565% | 2,419 |
| Total domestic deposits to total assets | 76.1202% | 4,969 |
| Equity capital to assets | 11.3875% | 2,298 |
| Core capital (leverage) ratio | 10.5154% | 2,831 |
| Tier 1 risk-based capital ratio | 14.0910% | 3,309 |
| Total risk-based capital ratio | 15.3549% | 3,208 |
| Memoranda: | ||
| Average total assets | $412,582,600 | 1,657 |
| Average earning assets | $378,367,000 | 1,679 |
| Average equity | $47,666,000 | 1,574 |
| Average total loans | $286,384,200 | 1,624 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3595% | 2,078 |
| Cost of funding earning assets | 0.7802% | 648 |
| Net interest margin | 3.5793% | 3,228 |
| Noninterest income to average assets | 0.4736% | 3,189 |
| Noninterest expense to average assets | 2.4406% | 3,913 |
| Loan and lease loss provision to assets | 0.1380% | 1,551 |
| Net operating income to assets | 1.1769% | 1,789 |
| Return on assets (ROA) | 1.1891% | 1,773 |
| Pretax return on assets | 1.1973% | 2,918 |
| Return on Equity (ROE) | 10.2552% | 2,010 |
| Retained earnings to average equity (ytd only) | 0.7923% | 5,037 |
| Net charge-offs to loans | 0.0285% | 2,867 |
| Credit loss provision to net charge-offs | 696.7213% | 483 |
| Earnings coverage of net charge-offs (x) | 66.8044% | 932 |
| Efficiency ratio | 64.5217% | 3,447 |
| Assets per employee ($millions) | 5.2987% | 2,119 |
| Cash dividends to net income (ytd only)* | 92.2740% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5505% | 1,369 |
| Loan loss allowance to noncurrent loans | 545.5516% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 4,271 |
| Noncurrent loans to loans | 0.2842% | 3,930 |
| Net loans and leases to total assets | 70.6556% | 2,465 |
| Net loans and leases to deposits | 95.2217% | 1,180 |
| Net loans and leases to core deposits | 97.4892% | 1,927 |
| Total domestic deposits to total assets | 74.2012% | 5,219 |
| Equity capital to assets | 11.7261% | 2,169 |
| Core capital (leverage) ratio | 10.5493% | 2,933 |
| Tier 1 risk-based capital ratio | 13.9599% | 3,462 |
| Total risk-based capital ratio | 15.2235% | 3,375 |
| Memoranda: | ||
| Average total assets | $410,707,500 | 1,680 |
| Average earning assets | $377,495,000 | 1,696 |
| Average equity | $47,623,250 | 1,594 |
| Average total loans | $285,215,000 | 1,640 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3225% | 2,057 |
| Cost of funding earning assets | 0.7875% | 561 |
| Net interest margin | 3.5350% | 3,278 |
| Noninterest income to average assets | 0.4734% | 3,197 |
| Noninterest expense to average assets | 2.4341% | 3,959 |
| Loan and lease loss provision to assets | 0.1464% | 1,386 |
| Net operating income to assets | 1.1279% | 1,862 |
| Return on assets (ROA) | 1.1463% | 1,846 |
| Pretax return on assets | 1.1556% | 2,957 |
| Return on Equity (ROE) | 9.9233% | 2,069 |
| Retained earnings to average equity (ytd only) | 0.5027% | 4,977 |
| Net charge-offs to loans | -0.0007% | 4,127 |
| Credit loss provision to net charge-offs | -30,000.0000% | 5,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1483% | 3,481 |
| Assets per employee ($millions) | 5.2273% | 2,130 |
| Cash dividends to net income (ytd only)* | 94.9340% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 1,264 |
| Loan loss allowance to noncurrent loans | 820.4340% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 4,645 |
| Noncurrent loans to loans | 0.1944% | 4,341 |
| Net loans and leases to total assets | 68.6606% | 2,714 |
| Net loans and leases to deposits | 95.3099% | 1,139 |
| Net loans and leases to core deposits | 97.2457% | 1,872 |
| Total domestic deposits to total assets | 72.0393% | 5,453 |
| Equity capital to assets | 11.9042% | 1,996 |
| Core capital (leverage) ratio | 10.7380% | 2,667 |
| Tier 1 risk-based capital ratio | 14.5477% | 3,140 |
| Total risk-based capital ratio | 15.8112% | 3,049 |
| Memoranda: | ||
| Average total assets | $409,842,670 | 1,680 |
| Average earning assets | $376,127,330 | 1,698 |
| Average equity | $47,343,000 | 1,608 |
| Average total loans | $281,413,330 | 1,656 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3080% | 1,935 |
| Cost of funding earning assets | 0.7654% | 597 |
| Net interest margin | 3.5426% | 3,106 |
| Noninterest income to average assets | 0.4478% | 3,324 |
| Noninterest expense to average assets | 2.4249% | 4,044 |
| Loan and lease loss provision to assets | 0.1460% | 1,279 |
| Net operating income to assets | 1.1127% | 1,817 |
| Return on assets (ROA) | 1.1127% | 1,860 |
| Pretax return on assets | 1.1253% | 2,885 |
| Return on Equity (ROE) | 9.7805% | 2,071 |
| Retained earnings to average equity (ytd only) | -1.1723% | 5,092 |
| Net charge-offs to loans | -0.0043% | 4,137 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2620% | 3,622 |
| Assets per employee ($millions) | 5.2585% | 2,127 |
| Cash dividends to net income (ytd only)* | 111.9860% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5859% | 1,416 |
| Loan loss allowance to noncurrent loans | 779.3961% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.1390% | 4,707 |
| Noncurrent loans to loans | 0.2035% | 4,391 |
| Net loans and leases to total assets | 67.2499% | 2,780 |
| Net loans and leases to deposits | 93.8247% | 1,125 |
| Net loans and leases to core deposits | 95.2711% | 1,869 |
| Total domestic deposits to total assets | 71.6761% | 5,558 |
| Equity capital to assets | 11.5849% | 2,125 |
| Core capital (leverage) ratio | 10.4686% | 2,939 |
| Tier 1 risk-based capital ratio | 14.7287% | 3,101 |
| Total risk-based capital ratio | 15.9907% | 3,019 |
| Memoranda: | ||
| Average total assets | $410,899,000 | 1,690 |
| Average earning assets | $376,787,000 | 1,703 |
| Average equity | $46,746,000 | 1,621 |
| Average total loans | $279,876,500 | 1,672 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3016% | 2,134 |
| Cost of funding earning assets | 0.7622% | 601 |
| Net interest margin | 3.5395% | 3,288 |
| Noninterest income to average assets | 0.5175% | 3,114 |
| Noninterest expense to average assets | 2.4198% | 4,246 |
| Loan and lease loss provision to assets | 0.1453% | 1,718 |
| Net operating income to assets | 1.2102% | 1,473 |
| Return on assets (ROA) | 1.2261% | 1,511 |
| Pretax return on assets | 1.2276% | 2,560 |
| Return on Equity (ROE) | 10.3735% | 1,817 |
| Retained earnings to average equity (ytd only) | 0.6413% | 5,069 |
| Net charge-offs to loans | 0.0054% | 4,067 |
| Credit loss provision to net charge-offs | 4,000.0000% | 110 |
| Earnings coverage of net charge-offs (x) | 373.5333% | 215 |
| Efficiency ratio | 63.7448% | 3,987 |
| Assets per employee ($millions) | 5.3448% | 2,007 |
| Cash dividends to net income (ytd only)* | 93.8179% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4965% | 1,683 |
| Loan loss allowance to noncurrent loans | 967.1233% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.1051% | 4,898 |
| Noncurrent loans to loans | 0.1547% | 4,621 |
| Net loans and leases to total assets | 66.8830% | 2,949 |
| Net loans and leases to deposits | 91.4245% | 1,523 |
| Net loans and leases to core deposits | 92.9464% | 2,216 |
| Total domestic deposits to total assets | 73.1566% | 5,492 |
| Equity capital to assets | 11.1741% | 2,448 |
| Core capital (leverage) ratio | 10.3166% | 3,086 |
| Tier 1 risk-based capital ratio | 14.9314% | 2,996 |
| Total risk-based capital ratio | 16.1931% | 2,925 |
| Memoranda: | ||
| Average total assets | $412,918,800 | 1,637 |
| Average earning assets | $380,227,800 | 1,636 |
| Average equity | $48,807,000 | 1,556 |
| Average total loans | $278,357,400 | 1,625 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2571% | 2,309 |
| Cost of funding earning assets | 0.7582% | 614 |
| Net interest margin | 3.4988% | 3,470 |
| Noninterest income to average assets | 0.4913% | 3,314 |
| Noninterest expense to average assets | 2.3835% | 4,326 |
| Loan and lease loss provision to assets | 0.1457% | 1,609 |
| Net operating income to assets | 1.1889% | 1,674 |
| Return on assets (ROA) | 1.2096% | 1,709 |
| Pretax return on assets | 1.2089% | 2,803 |
| Return on Equity (ROE) | 10.0937% | 2,014 |
| Retained earnings to average equity (ytd only) | 1.3154% | 4,987 |
| Net charge-offs to loans | -0.0019% | 4,493 |
| Credit loss provision to net charge-offs | -11,250.0000% | 5,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7875% | 3,959 |
| Assets per employee ($millions) | 5.3614% | 1,994 |
| Cash dividends to net income (ytd only)* | 86.9683% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 2,011 |
| Loan loss allowance to noncurrent loans | 415.4858% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.2393% | 4,484 |
| Noncurrent loans to loans | 0.3471% | 4,008 |
| Net loans and leases to total assets | 67.9556% | 2,809 |
| Net loans and leases to deposits | 93.5326% | 1,315 |
| Net loans and leases to core deposits | 95.5849% | 2,040 |
| Total domestic deposits to total assets | 72.6544% | 5,549 |
| Equity capital to assets | 12.1180% | 2,025 |
| Core capital (leverage) ratio | 10.4922% | 3,005 |
| Tier 1 risk-based capital ratio | 14.9814% | 3,061 |
| Total risk-based capital ratio | 16.2399% | 2,983 |
| Memoranda: | ||
| Average total assets | $411,925,500 | 1,640 |
| Average earning assets | $379,814,500 | 1,643 |
| Average equity | $49,362,750 | 1,542 |
| Average total loans | $277,180,250 | 1,629 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2126% | 2,475 |
| Cost of funding earning assets | 0.7512% | 625 |
| Net interest margin | 3.4614% | 3,639 |
| Noninterest income to average assets | 0.4582% | 3,467 |
| Noninterest expense to average assets | 2.3857% | 4,386 |
| Loan and lease loss provision to assets | 0.1458% | 1,573 |
| Net operating income to assets | 1.1233% | 1,875 |
| Return on assets (ROA) | 1.1544% | 1,871 |
| Pretax return on assets | 1.1506% | 2,985 |
| Return on Equity (ROE) | 9.6700% | 2,193 |
| Retained earnings to average equity (ytd only) | 1.1233% | 4,933 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0120% | 3,850 |
| Assets per employee ($millions) | 5.8135% | 1,535 |
| Cash dividends to net income (ytd only)* | 88.3838% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4263% | 2,179 |
| Loan loss allowance to noncurrent loans | 784.1270% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.1238% | 5,015 |
| Noncurrent loans to loans | 0.1819% | 4,704 |
| Net loans and leases to total assets | 67.1155% | 2,921 |
| Net loans and leases to deposits | 91.4458% | 1,583 |
| Net loans and leases to core deposits | 93.4754% | 2,217 |
| Total domestic deposits to total assets | 73.3937% | 5,577 |
| Equity capital to assets | 12.2793% | 1,919 |
| Core capital (leverage) ratio | 10.5491% | 2,916 |
| Tier 1 risk-based capital ratio | 15.7239% | 2,774 |
| Total risk-based capital ratio | 16.9812% | 2,704 |
| Memoranda: | ||
| Average total assets | $411,626,000 | 1,641 |
| Average earning assets | $379,670,000 | 1,645 |
| Average equity | $49,141,670 | 1,546 |
| Average total loans | $274,693,000 | 1,645 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1828% | 2,539 |
| Cost of funding earning assets | 0.7503% | 636 |
| Net interest margin | 3.4325% | 3,752 |
| Noninterest income to average assets | 0.4599% | 3,418 |
| Noninterest expense to average assets | 2.4108% | 4,334 |
| Loan and lease loss provision to assets | 0.1449% | 1,456 |
| Net operating income to assets | 1.0532% | 2,073 |
| Return on assets (ROA) | 1.0532% | 2,180 |
| Pretax return on assets | 1.0648% | 3,225 |
| Return on Equity (ROE) | 8.9477% | 2,451 |
| Retained earnings to average equity (ytd only) | 0.7388% | 4,923 |
| Net charge-offs to loans | 0.0015% | 3,067 |
| Credit loss provision to net charge-offs | 15,000.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 1,252.0000% | 31 |
| Efficiency ratio | 66.2397% | 3,757 |
| Assets per employee ($millions) | 5.4833% | 1,843 |
| Cash dividends to net income (ytd only)* | 91.7431% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 2,478 |
| Loan loss allowance to noncurrent loans | 1,073.7288% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.4144% | 3,934 |
| Noncurrent loans to loans | 0.1293% | 4,955 |
| Net loans and leases to total assets | 65.6413% | 3,003 |
| Net loans and leases to deposits | 88.6784% | 1,738 |
| Net loans and leases to core deposits | 89.9619% | 2,380 |
| Total domestic deposits to total assets | 74.0217% | 5,609 |
| Equity capital to assets | 11.8963% | 2,093 |
| Core capital (leverage) ratio | 10.3929% | 3,079 |
| Tier 1 risk-based capital ratio | 15.1578% | 3,084 |
| Total risk-based capital ratio | 16.4143% | 3,015 |
| Memoranda: | ||
| Average total assets | $413,966,500 | 1,639 |
| Average earning assets | $381,184,500 | 1,644 |
| Average equity | $48,727,500 | 1,554 |
| Average total loans | $273,502,000 | 1,648 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0790% | 3,005 |
| Cost of funding earning assets | 0.7703% | 577 |
| Net interest margin | 3.3087% | 4,263 |
| Noninterest income to average assets | 0.5401% | 3,074 |
| Noninterest expense to average assets | 2.2499% | 4,923 |
| Loan and lease loss provision to assets | 0.0726% | 2,818 |
| Net operating income to assets | 1.2364% | 1,429 |
| Return on assets (ROA) | 1.2613% | 1,408 |
| Pretax return on assets | 1.2676% | 2,408 |
| Return on Equity (ROE) | 10.8741% | 1,657 |
| Retained earnings to average equity (ytd only) | 3.9891% | 3,190 |
| Net charge-offs to loans | 0.0446% | 3,322 |
| Credit loss provision to net charge-offs | 267.8571% | 1,080 |
| Earnings coverage of net charge-offs (x) | 48.5268% | 1,027 |
| Efficiency ratio | 62.7613% | 4,484 |
| Assets per employee ($millions) | 5.4115% | 1,892 |
| Cash dividends to net income (ytd only)* | 63.3154% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 2,724 |
| Loan loss allowance to noncurrent loans | 1,089.8507% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.4044% | 3,979 |
| Noncurrent loans to loans | 0.1226% | 5,001 |
| Net loans and leases to total assets | 64.7020% | 3,166 |
| Net loans and leases to deposits | 86.7682% | 2,033 |
| Net loans and leases to core deposits | 88.5630% | 2,546 |
| Total domestic deposits to total assets | 74.5688% | 5,596 |
| Equity capital to assets | 11.6471% | 2,234 |
| Core capital (leverage) ratio | 10.4248% | 3,028 |
| Tier 1 risk-based capital ratio | 15.0551% | 3,153 |
| Total risk-based capital ratio | 16.3092% | 3,081 |
| Memoranda: | ||
| Average total assets | $413,221,400 | 1,593 |
| Average earning assets | $377,787,600 | 1,614 |
| Average equity | $47,930,600 | 1,550 |
| Average total loans | $251,046,800 | 1,720 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0602% | 3,100 |
| Cost of funding earning assets | 0.7734% | 584 |
| Net interest margin | 3.2868% | 4,407 |
| Noninterest income to average assets | 0.5406% | 3,098 |
| Noninterest expense to average assets | 2.2139% | 5,021 |
| Loan and lease loss provision to assets | 0.0728% | 2,718 |
| Net operating income to assets | 1.2499% | 1,484 |
| Return on assets (ROA) | 1.2707% | 1,480 |
| Pretax return on assets | 1.2775% | 2,483 |
| Return on Equity (ROE) | 10.9666% | 1,722 |
| Retained earnings to average equity (ytd only) | 6.9204% | 1,727 |
| Net charge-offs to loans | 0.0570% | 2,787 |
| Credit loss provision to net charge-offs | 214.2857% | 1,262 |
| Earnings coverage of net charge-offs (x) | 39.1514% | 1,265 |
| Efficiency ratio | 62.1373% | 4,555 |
| Assets per employee ($millions) | 5.8895% | 1,450 |
| Cash dividends to net income (ytd only)* | 36.8958% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3481% | 2,863 |
| Loan loss allowance to noncurrent loans | 869.9029% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.4336% | 4,049 |
| Noncurrent loans to loans | 0.1550% | 5,019 |
| Net loans and leases to total assets | 64.5397% | 3,220 |
| Net loans and leases to deposits | 87.6462% | 1,952 |
| Net loans and leases to core deposits | 89.9681% | 2,472 |
| Total domestic deposits to total assets | 73.6366% | 5,743 |
| Equity capital to assets | 11.9906% | 2,119 |
| Core capital (leverage) ratio | 10.6470% | 2,881 |
| Tier 1 risk-based capital ratio | 15.7548% | 2,918 |
| Total risk-based capital ratio | 17.0090% | 2,849 |
| Memoranda: | ||
| Average total assets | $412,354,500 | 1,609 |
| Average earning assets | $376,687,000 | 1,625 |
| Average equity | $47,780,250 | 1,561 |
| Average total loans | $245,494,250 | 1,763 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0272% | 3,176 |
| Cost of funding earning assets | 0.7717% | 582 |
| Net interest margin | 3.2555% | 4,475 |
| Noninterest income to average assets | 0.5285% | 3,180 |
| Noninterest expense to average assets | 2.1977% | 5,122 |
| Loan and lease loss provision to assets | 0.0724% | 2,660 |
| Net operating income to assets | 1.2201% | 1,542 |
| Return on assets (ROA) | 1.2521% | 1,518 |
| Pretax return on assets | 1.2598% | 2,510 |
| Return on Equity (ROE) | 10.9302% | 1,704 |
| Retained earnings to average equity (ytd only) | 7.1379% | 1,643 |
| Net charge-offs to loans | 0.0545% | 2,635 |
| Credit loss provision to net charge-offs | 230.7692% | 1,105 |
| Earnings coverage of net charge-offs (x) | 41.4308% | 1,106 |
| Efficiency ratio | 62.4896% | 4,597 |
| Assets per employee ($millions) | 5.7748% | 1,519 |
| Cash dividends to net income (ytd only)* | 34.6955% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4326% | 2,600 |
| Loan loss allowance to noncurrent loans | 616.1458% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.6412% | 3,496 |
| Noncurrent loans to loans | 0.2325% | 4,838 |
| Net loans and leases to total assets | 60.4039% | 3,771 |
| Net loans and leases to deposits | 82.0495% | 2,550 |
| Net loans and leases to core deposits | 84.1844% | 2,966 |
| Total domestic deposits to total assets | 73.6188% | 5,826 |
| Equity capital to assets | 11.7715% | 2,184 |
| Core capital (leverage) ratio | 10.3495% | 3,145 |
| Tier 1 risk-based capital ratio | 16.3471% | 2,689 |
| Total risk-based capital ratio | 17.6026% | 2,645 |
| Memoranda: | ||
| Average total assets | $414,346,670 | 1,616 |
| Average earning assets | $377,884,670 | 1,630 |
| Average equity | $47,464,670 | 1,579 |
| Average total loans | $238,706,000 | 1,819 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8983% | 3,622 |
| Cost of funding earning assets | 0.7874% | 544 |
| Net interest margin | 3.1109% | 4,917 |
| Noninterest income to average assets | 0.5579% | 2,904 |
| Noninterest expense to average assets | 2.1383% | 5,303 |
| Loan and lease loss provision to assets | 0.0715% | 2,512 |
| Net operating income to assets | 1.1714% | 1,632 |
| Return on assets (ROA) | 1.1893% | 1,676 |
| Pretax return on assets | 1.1998% | 2,667 |
| Return on Equity (ROE) | 10.5222% | 1,792 |
| Retained earnings to average equity (ytd only) | 10.5222% | 808 |
| Net charge-offs to loans | 0.0478% | 2,314 |
| Credit loss provision to net charge-offs | 267.8571% | 884 |
| Earnings coverage of net charge-offs (x) | 46.9286% | 877 |
| Efficiency ratio | 62.6828% | 4,674 |
| Assets per employee ($millions) | 5.9922% | 1,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4778% | 2,546 |
| Loan loss allowance to noncurrent loans | 732.9854% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.6034% | 3,673 |
| Noncurrent loans to loans | 0.2016% | 5,051 |
| Net loans and leases to total assets | 56.6124% | 4,135 |
| Net loans and leases to deposits | 76.5913% | 2,980 |
| Net loans and leases to core deposits | 78.7557% | 3,299 |
| Total domestic deposits to total assets | 73.9149% | 5,910 |
| Equity capital to assets | 11.6805% | 2,312 |
| Core capital (leverage) ratio | 10.0471% | 3,538 |
| Tier 1 risk-based capital ratio | 16.7562% | 2,577 |
| Total risk-based capital ratio | 18.0114% | 2,525 |
| Memoranda: | ||
| Average total assets | $419,400,500 | 1,615 |
| Average earning assets | $382,011,000 | 1,622 |
| Average equity | $47,404,500 | 1,586 |
| Average total loans | $234,196,500 | 1,842 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6525% | 4,924 |
| Cost of funding earning assets | 0.8149% | 602 |
| Net interest margin | 2.8376% | 5,752 |
| Noninterest income to average assets | 0.6570% | 2,517 |
| Noninterest expense to average assets | 2.2168% | 5,307 |
| Loan and lease loss provision to assets | -0.1937% | 6,284 |
| Net operating income to assets | 1.2301% | 1,495 |
| Return on assets (ROA) | 1.2279% | 1,557 |
| Pretax return on assets | 1.2308% | 2,526 |
| Return on Equity (ROE) | 11.1225% | 1,685 |
| Retained earnings to average equity (ytd only) | -7.9976% | 6,272 |
| Net charge-offs to loans | 0.0388% | 4,050 |
| Credit loss provision to net charge-offs | -919.5402% | 5,888 |
| Earnings coverage of net charge-offs (x) | 49.3448% | 934 |
| Efficiency ratio | 67.0855% | 4,043 |
| Assets per employee ($millions) | 6.3484% | 1,148 |
| Cash dividends to net income (ytd only)* | 171.9046% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 2,467 |
| Loan loss allowance to noncurrent loans | 556.0193% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.6082% | 3,767 |
| Noncurrent loans to loans | 0.2699% | 4,882 |
| Net loans and leases to total assets | 53.4509% | 4,642 |
| Net loans and leases to deposits | 71.1466% | 3,775 |
| Net loans and leases to core deposits | 73.7100% | 3,945 |
| Total domestic deposits to total assets | 75.1278% | 5,843 |
| Equity capital to assets | 10.9359% | 2,966 |
| Core capital (leverage) ratio | 9.6340% | 4,053 |
| Tier 1 risk-based capital ratio | 16.9885% | 2,520 |
| Total risk-based capital ratio | 18.2449% | 2,475 |
| Memoranda: | ||
| Average total assets | $413,064,000 | 1,599 |
| Average earning assets | $378,346,000 | 1,598 |
| Average equity | $45,601,200 | 1,577 |
| Average total loans | $224,167,200 | 1,871 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5263% | 5,332 |
| Cost of funding earning assets | 0.8106% | 649 |
| Net interest margin | 2.7157% | 5,984 |
| Noninterest income to average assets | 0.5873% | 2,946 |
| Noninterest expense to average assets | 2.0666% | 5,647 |
| Loan and lease loss provision to assets | -0.2602% | 6,436 |
| Net operating income to assets | 1.2728% | 1,456 |
| Return on assets (ROA) | 1.2699% | 1,519 |
| Pretax return on assets | 1.2728% | 2,486 |
| Return on Equity (ROE) | 11.4750% | 1,633 |
| Retained earnings to average equity (ytd only) | -10.6199% | 6,384 |
| Net charge-offs to loans | 0.0593% | 3,361 |
| Credit loss provision to net charge-offs | -808.0808% | 5,836 |
| Earnings coverage of net charge-offs (x) | 31.5447% | 1,320 |
| Efficiency ratio | 66.7229% | 4,093 |
| Assets per employee ($millions) | 6.9377% | 824 |
| Cash dividends to net income (ytd only)* | 192.5478% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5125% | 2,646 |
| Loan loss allowance to noncurrent loans | 629.7445% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.6140% | 3,993 |
| Noncurrent loans to loans | 0.2402% | 5,178 |
| Net loans and leases to total assets | 53.9838% | 4,577 |
| Net loans and leases to deposits | 72.4343% | 3,643 |
| Net loans and leases to core deposits | 75.3718% | 3,825 |
| Total domestic deposits to total assets | 74.5279% | 5,965 |
| Equity capital to assets | 10.9286% | 3,027 |
| Core capital (leverage) ratio | 9.7440% | 4,007 |
| Tier 1 risk-based capital ratio | 17.0843% | 2,586 |
| Total risk-based capital ratio | 18.3410% | 2,534 |
| Memoranda: | ||
| Average total assets | $409,994,500 | 1,625 |
| Average earning assets | $376,664,750 | 1,618 |
| Average equity | $45,372,750 | 1,586 |
| Average total loans | $222,505,750 | 1,894 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2282% | 2,852 |
| Cost of funding earning assets | 1.1035% | 148 |
| Net interest margin | 3.1247% | 5,172 |
| Noninterest income to average assets | 0.4798% | 3,633 |
| Noninterest expense to average assets | 2.4409% | 4,767 |
| Loan and lease loss provision to assets | -0.5484% | 6,601 |
| Net operating income to assets | 1.4518% | 956 |
| Return on assets (ROA) | 1.4518% | 999 |
| Pretax return on assets | 1.4559% | 1,693 |
| Return on Equity (ROE) | 13.6595% | 1,021 |
| Retained earnings to average equity (ytd only) | -34.8324% | 6,602 |
| Net charge-offs to loans | 0.1197% | 2,473 |
| Credit loss provision to net charge-offs | -800.0000% | 5,680 |
| Earnings coverage of net charge-offs (x) | 13.2400% | 1,987 |
| Efficiency ratio | 72.7329% | 3,206 |
| Assets per employee ($millions) | 5.9233% | 1,330 |
| Cash dividends to net income (ytd only)* | 355.0047% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9867% | 1,383 |
| Loan loss allowance to noncurrent loans | 9,347.2222% | 79 |
| Noncurrent assets plus other real estate owned to assets | 1.0734% | 2,921 |
| Noncurrent loans to loans | 0.0213% | 6,005 |
| Net loans and leases to total assets | 56.0527% | 4,277 |
| Net loans and leases to deposits | 79.7856% | 2,541 |
| Net loans and leases to core deposits | 83.0868% | 2,843 |
| Total domestic deposits to total assets | 70.2542% | 6,346 |
| Equity capital to assets | 9.5777% | 4,654 |
| Core capital (leverage) ratio | 9.5569% | 4,245 |
| Tier 1 risk-based capital ratio | 15.6232% | 3,282 |
| Total risk-based capital ratio | 16.8561% | 3,243 |
| Memoranda: | ||
| Average total assets | $291,781,000 | 2,215 |
| Average earning assets | $267,865,670 | 2,224 |
| Average equity | $31,011,330 | 2,214 |
| Average total loans | $167,081,670 | 2,370 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2335% | 2,751 |
| Cost of funding earning assets | 1.1326% | 135 |
| Net interest margin | 3.1010% | 5,246 |
| Noninterest income to average assets | 0.8039% | 1,732 |
| Noninterest expense to average assets | 2.4200% | 4,871 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2238% | 1,411 |
| Return on assets (ROA) | 1.2238% | 1,468 |
| Pretax return on assets | 1.2279% | 2,360 |
| Return on Equity (ROE) | 10.9606% | 1,695 |
| Retained earnings to average equity (ytd only) | 7.2493% | 1,923 |
| Net charge-offs to loans | 0.0217% | 3,144 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 98.7778% | 463 |
| Efficiency ratio | 66.1871% | 4,499 |
| Assets per employee ($millions) | 5.8935% | 1,375 |
| Cash dividends to net income (ytd only)* | 33.8600% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5533% | 765 |
| Loan loss allowance to noncurrent loans | 1,780.7531% | 320 |
| Noncurrent assets plus other real estate owned to assets | 1.4914% | 2,365 |
| Noncurrent loans to loans | 0.1434% | 5,665 |
| Net loans and leases to total assets | 56.2464% | 4,120 |
| Net loans and leases to deposits | 82.1461% | 2,032 |
| Net loans and leases to core deposits | 86.9856% | 2,196 |
| Total domestic deposits to total assets | 68.4711% | 6,500 |
| Equity capital to assets | 11.4789% | 2,271 |
| Core capital (leverage) ratio | 11.7705% | 1,787 |
| Tier 1 risk-based capital ratio | 19.7578% | 1,777 |
| Total risk-based capital ratio | 21.0047% | 1,748 |
| Memoranda: | ||
| Average total assets | $289,588,500 | 2,238 |
| Average earning assets | $265,593,500 | 2,245 |
| Average equity | $32,334,000 | 2,132 |
| Average total loans | $165,935,500 | 2,385 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2569% | 3,124 |
| Cost of funding earning assets | 1.1866% | 192 |
| Net interest margin | 3.0703% | 5,401 |
| Noninterest income to average assets | 0.6670% | 2,724 |
| Noninterest expense to average assets | 2.3200% | 5,317 |
| Loan and lease loss provision to assets | 0.0333% | 4,453 |
| Net operating income to assets | 1.1792% | 1,650 |
| Return on assets (ROA) | 1.2761% | 1,366 |
| Pretax return on assets | 1.2394% | 2,420 |
| Return on Equity (ROE) | 11.2765% | 1,673 |
| Retained earnings to average equity (ytd only) | -2.5543% | 6,224 |
| Net charge-offs to loans | 0.2197% | 2,707 |
| Credit loss provision to net charge-offs | 28.1690% | 4,288 |
| Earnings coverage of net charge-offs (x) | 9.9465% | 2,446 |
| Efficiency ratio | 66.2031% | 4,520 |
| Assets per employee ($millions) | 5.8079% | 1,399 |
| Cash dividends to net income (ytd only)* | 122.6514% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5820% | 738 |
| Loan loss allowance to noncurrent loans | 1,273.1343% | 421 |
| Noncurrent assets plus other real estate owned to assets | 1.4267% | 2,608 |
| Noncurrent loans to loans | 0.2028% | 5,581 |
| Net loans and leases to total assets | 55.4144% | 4,398 |
| Net loans and leases to deposits | 79.9666% | 2,458 |
| Net loans and leases to core deposits | 84.6707% | 2,590 |
| Total domestic deposits to total assets | 69.2969% | 6,548 |
| Equity capital to assets | 10.8539% | 2,756 |
| Core capital (leverage) ratio | 11.4743% | 1,985 |
| Tier 1 risk-based capital ratio | 19.4185% | 1,816 |
| Total risk-based capital ratio | 20.6824% | 1,769 |
| Memoranda: | ||
| Average total assets | $300,299,600 | 2,144 |
| Average earning assets | $276,679,000 | 2,137 |
| Average equity | $33,982,200 | 2,028 |
| Average total loans | $161,574,800 | 2,404 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2512% | 3,196 |
| Cost of funding earning assets | 1.1905% | 208 |
| Net interest margin | 3.0607% | 5,430 |
| Noninterest income to average assets | 0.6324% | 2,977 |
| Noninterest expense to average assets | 2.2568% | 5,462 |
| Loan and lease loss provision to assets | 0.0396% | 4,215 |
| Net operating income to assets | 1.2079% | 1,604 |
| Return on assets (ROA) | 1.2427% | 1,579 |
| Pretax return on assets | 1.1943% | 2,724 |
| Return on Equity (ROE) | 10.8751% | 1,865 |
| Retained earnings to average equity (ytd only) | -7.2372% | 6,578 |
| Net charge-offs to loans | 0.2838% | 2,121 |
| Credit loss provision to net charge-offs | 26.3158% | 3,963 |
| Earnings coverage of net charge-offs (x) | 7.9620% | 2,696 |
| Efficiency ratio | 65.1376% | 4,626 |
| Assets per employee ($millions) | 5.7185% | 1,435 |
| Cash dividends to net income (ytd only)* | 166.5487% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6303% | 809 |
| Loan loss allowance to noncurrent loans | 1,233.5260% | 387 |
| Noncurrent assets plus other real estate owned to assets | 1.4418% | 2,790 |
| Noncurrent loans to loans | 0.2132% | 5,705 |
| Net loans and leases to total assets | 54.1740% | 4,585 |
| Net loans and leases to deposits | 80.0537% | 2,403 |
| Net loans and leases to core deposits | 86.3926% | 2,361 |
| Total domestic deposits to total assets | 67.6720% | 6,670 |
| Equity capital to assets | 10.5170% | 3,255 |
| Core capital (leverage) ratio | 11.0811% | 2,402 |
| Tier 1 risk-based capital ratio | 19.0572% | 1,975 |
| Total risk-based capital ratio | 20.3017% | 1,941 |
| Memoranda: | ||
| Average total assets | $302,776,000 | 2,140 |
| Average earning assets | $279,315,250 | 2,126 |
| Average equity | $34,598,000 | 2,009 |
| Average total loans | $160,672,250 | 2,426 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1439% | 3,567 |
| Cost of funding earning assets | 1.1881% | 224 |
| Net interest margin | 2.9558% | 5,684 |
| Noninterest income to average assets | 0.6225% | 3,061 |
| Noninterest expense to average assets | 2.1867% | 5,661 |
| Loan and lease loss provision to assets | 0.0392% | 4,167 |
| Net operating income to assets | 1.2007% | 1,593 |
| Return on assets (ROA) | 1.2516% | 1,547 |
| Pretax return on assets | 1.1798% | 2,763 |
| Return on Equity (ROE) | 10.6833% | 1,935 |
| Retained earnings to average equity (ytd only) | 2.3283% | 4,809 |
| Net charge-offs to loans | 0.4259% | 1,513 |
| Credit loss provision to net charge-offs | 17.5953% | 3,777 |
| Earnings coverage of net charge-offs (x) | 5.2493% | 2,934 |
| Efficiency ratio | 65.0263% | 4,707 |
| Assets per employee ($millions) | 6.0654% | 1,157 |
| Cash dividends to net income (ytd only)* | 78.2065% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6232% | 855 |
| Loan loss allowance to noncurrent loans | 759.6774% | 593 |
| Noncurrent assets plus other real estate owned to assets | 1.5205% | 2,824 |
| Noncurrent loans to loans | 0.3453% | 5,431 |
| Net loans and leases to total assets | 52.9451% | 4,746 |
| Net loans and leases to deposits | 76.6490% | 2,773 |
| Net loans and leases to core deposits | 84.4782% | 2,493 |
| Total domestic deposits to total assets | 69.0748% | 6,686 |
| Equity capital to assets | 11.4026% | 2,375 |
| Core capital (leverage) ratio | 11.5717% | 1,878 |
| Tier 1 risk-based capital ratio | 20.7732% | 1,550 |
| Total risk-based capital ratio | 22.0290% | 1,520 |
| Memoranda: | ||
| Average total assets | $306,487,330 | 2,113 |
| Average earning assets | $283,310,330 | 2,105 |
| Average equity | $35,906,670 | 1,941 |
| Average total loans | $160,142,330 | 2,439 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9735% | 4,225 |
| Cost of funding earning assets | 1.1819% | 248 |
| Net interest margin | 2.7916% | 6,049 |
| Noninterest income to average assets | 0.6133% | 3,064 |
| Noninterest expense to average assets | 2.0776% | 5,959 |
| Loan and lease loss provision to assets | 0.0386% | 3,949 |
| Net operating income to assets | 1.2226% | 1,461 |
| Return on assets (ROA) | 1.3165% | 1,345 |
| Pretax return on assets | 1.1751% | 2,666 |
| Return on Equity (ROE) | 11.0956% | 1,681 |
| Retained earnings to average equity (ytd only) | 11.0956% | 851 |
| Net charge-offs to loans | -0.0703% | 6,279 |
| Credit loss provision to net charge-offs | -107.1429% | 5,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8170% | 4,860 |
| Assets per employee ($millions) | 6.0747% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8853% | 741 |
| Loan loss allowance to noncurrent loans | 579.3671% | 751 |
| Noncurrent assets plus other real estate owned to assets | 1.5816% | 2,886 |
| Noncurrent loans to loans | 0.4980% | 5,182 |
| Net loans and leases to total assets | 50.7202% | 4,892 |
| Net loans and leases to deposits | 73.6817% | 2,961 |
| Net loans and leases to core deposits | 81.2497% | 2,664 |
| Total domestic deposits to total assets | 68.8369% | 6,787 |
| Equity capital to assets | 11.9179% | 2,097 |
| Core capital (leverage) ratio | 11.0027% | 2,264 |
| Tier 1 risk-based capital ratio | 21.0555% | 1,521 |
| Total risk-based capital ratio | 22.3161% | 1,493 |
| Memoranda: | ||
| Average total assets | $311,129,000 | 2,115 |
| Average earning assets | $288,009,500 | 2,100 |
| Average equity | $36,915,500 | 1,921 |
| Average total loans | $159,416,500 | 2,453 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2001% | 4,591 |
| Cost of funding earning assets | 1.3469% | 310 |
| Net interest margin | 2.8531% | 6,303 |
| Noninterest income to average assets | 0.7583% | 2,456 |
| Noninterest expense to average assets | 2.1158% | 6,095 |
| Loan and lease loss provision to assets | 0.3329% | 2,035 |
| Net operating income to assets | 0.9243% | 2,684 |
| Return on assets (ROA) | 1.1650% | 1,873 |
| Pretax return on assets | 1.2037% | 2,796 |
| Return on Equity (ROE) | 10.2460% | 2,075 |
| Retained earnings to average equity (ytd only) | 10.2460% | 551 |
| Net charge-offs to loans | 0.8556% | 1,337 |
| Credit loss provision to net charge-offs | 75.4310% | 3,992 |
| Earnings coverage of net charge-offs (x) | 2.9195% | 3,967 |
| Efficiency ratio | 62.0041% | 5,236 |
| Assets per employee ($millions) | 6.6359% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8215% | 804 |
| Loan loss allowance to noncurrent loans | 545.2352% | 759 |
| Noncurrent assets plus other real estate owned to assets | 1.3666% | 3,350 |
| Noncurrent loans to loans | 0.5175% | 5,235 |
| Net loans and leases to total assets | 48.8759% | 5,318 |
| Net loans and leases to deposits | 70.0063% | 3,712 |
| Net loans and leases to core deposits | 77.2073% | 3,369 |
| Total domestic deposits to total assets | 69.8164% | 6,792 |
| Equity capital to assets | 11.8146% | 2,169 |
| Core capital (leverage) ratio | 10.7152% | 2,529 |
| Tier 1 risk-based capital ratio | 20.7175% | 1,523 |
| Total risk-based capital ratio | 21.9842% | 1,491 |
| Memoranda: | ||
| Average total assets | $315,442,600 | 2,035 |
| Average earning assets | $292,520,200 | 2,018 |
| Average equity | $35,867,800 | 1,928 |
| Average total loans | $162,683,400 | 2,392 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2451% | 4,662 |
| Cost of funding earning assets | 1.3740% | 328 |
| Net interest margin | 2.8711% | 6,406 |
| Noninterest income to average assets | 0.5873% | 3,367 |
| Noninterest expense to average assets | 2.1262% | 6,115 |
| Loan and lease loss provision to assets | 0.2542% | 2,537 |
| Net operating income to assets | 0.8707% | 3,125 |
| Return on assets (ROA) | 1.2004% | 1,910 |
| Pretax return on assets | 1.2042% | 2,981 |
| Return on Equity (ROE) | 10.6621% | 2,074 |
| Retained earnings to average equity (ytd only) | 10.6621% | 745 |
| Net charge-offs to loans | 0.5976% | 1,838 |
| Credit loss provision to net charge-offs | 81.9672% | 3,560 |
| Earnings coverage of net charge-offs (x) | 3.6393% | 3,569 |
| Efficiency ratio | 65.1523% | 4,599 |
| Assets per employee ($millions) | 6.5441% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9567% | 754 |
| Loan loss allowance to noncurrent loans | 106.0552% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 1.8923% | 2,796 |
| Noncurrent loans to loans | 2.7879% | 2,020 |
| Net loans and leases to total assets | 49.4130% | 5,381 |
| Net loans and leases to deposits | 71.7790% | 3,645 |
| Net loans and leases to core deposits | 81.8666% | 2,978 |
| Total domestic deposits to total assets | 68.8404% | 6,892 |
| Equity capital to assets | 11.9560% | 2,298 |
| Core capital (leverage) ratio | 10.7364% | 2,669 |
| Tier 1 risk-based capital ratio | 20.0924% | 1,730 |
| Total risk-based capital ratio | 21.3621% | 1,700 |
| Memoranda: | ||
| Average total assets | $314,673,000 | 2,065 |
| Average earning assets | $292,375,250 | 2,045 |
| Average equity | $35,426,750 | 1,966 |
| Average total loans | $163,304,250 | 2,412 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3070% | 4,545 |
| Cost of funding earning assets | 1.3978% | 352 |
| Net interest margin | 2.9092% | 6,413 |
| Noninterest income to average assets | 0.5101% | 3,860 |
| Noninterest expense to average assets | 2.0676% | 6,299 |
| Loan and lease loss provision to assets | 0.2858% | 2,290 |
| Net operating income to assets | 0.8524% | 3,127 |
| Return on assets (ROA) | 1.1650% | 2,034 |
| Pretax return on assets | 1.1688% | 3,051 |
| Return on Equity (ROE) | 10.5654% | 2,144 |
| Retained earnings to average equity (ytd only) | 10.5654% | 835 |
| Net charge-offs to loans | 0.8661% | 1,272 |
| Credit loss provision to net charge-offs | 63.2022% | 3,719 |
| Earnings coverage of net charge-offs (x) | 2.5253% | 3,749 |
| Efficiency ratio | 64.2589% | 4,852 |
| Assets per employee ($millions) | 6.6000% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9313% | 840 |
| Loan loss allowance to noncurrent loans | 99.2019% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 1.9742% | 2,809 |
| Noncurrent loans to loans | 2.9549% | 2,019 |
| Net loans and leases to total assets | 49.0951% | 5,472 |
| Net loans and leases to deposits | 72.4724% | 3,540 |
| Net loans and leases to core deposits | 83.0101% | 2,826 |
| Total domestic deposits to total assets | 67.7432% | 7,006 |
| Equity capital to assets | 11.5958% | 2,493 |
| Core capital (leverage) ratio | 10.3410% | 2,997 |
| Tier 1 risk-based capital ratio | 19.3473% | 1,889 |
| Total risk-based capital ratio | 20.6082% | 1,856 |
| Memoranda: | ||
| Average total assets | $314,858,000 | 2,061 |
| Average earning assets | $292,173,670 | 2,037 |
| Average equity | $34,717,000 | 1,992 |
| Average total loans | $164,424,330 | 2,408 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2392% | 4,967 |
| Cost of funding earning assets | 1.4063% | 418 |
| Net interest margin | 2.8329% | 6,582 |
| Noninterest income to average assets | 0.3556% | 5,024 |
| Noninterest expense to average assets | 1.8790% | 6,681 |
| Loan and lease loss provision to assets | 0.2837% | 2,196 |
| Net operating income to assets | 0.8361% | 3,214 |
| Return on assets (ROA) | 1.2750% | 1,693 |
| Pretax return on assets | 1.2787% | 2,618 |
| Return on Equity (ROE) | 11.8625% | 1,710 |
| Retained earnings to average equity (ytd only) | 11.8625% | 838 |
| Net charge-offs to loans | 0.3972% | 2,111 |
| Credit loss provision to net charge-offs | 134.7305% | 1,822 |
| Earnings coverage of net charge-offs (x) | 5.3353% | 2,397 |
| Efficiency ratio | 62.4108% | 5,202 |
| Assets per employee ($millions) | 6.7967% | 840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9493% | 876 |
| Loan loss allowance to noncurrent loans | 61.0752% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 2.7172% | 2,170 |
| Noncurrent loans to loans | 4.8289% | 1,174 |
| Net loans and leases to total assets | 50.6715% | 5,209 |
| Net loans and leases to deposits | 74.7061% | 3,013 |
| Net loans and leases to core deposits | 89.5293% | 1,896 |
| Total domestic deposits to total assets | 67.8277% | 7,056 |
| Equity capital to assets | 10.9862% | 2,919 |
| Core capital (leverage) ratio | 10.0098% | 3,359 |
| Tier 1 risk-based capital ratio | 17.9310% | 2,319 |
| Total risk-based capital ratio | 19.2040% | 2,284 |
| Memoranda: | ||
| Average total assets | $317,188,000 | 2,052 |
| Average earning assets | $296,374,000 | 2,004 |
| Average equity | $34,090,500 | 2,029 |
| Average total loans | $168,191,000 | 2,383 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7132% | 4,188 |
| Cost of funding earning assets | 1.6552% | 388 |
| Net interest margin | 3.0580% | 6,434 |
| Noninterest income to average assets | 0.4668% | 4,078 |
| Noninterest expense to average assets | 2.1452% | 6,395 |
| Loan and lease loss provision to assets | 0.4743% | 2,233 |
| Net operating income to assets | 0.6918% | 3,533 |
| Return on assets (ROA) | 1.1265% | 1,853 |
| Pretax return on assets | 1.1292% | 2,727 |
| Return on Equity (ROE) | 11.7970% | 1,467 |
| Retained earnings to average equity (ytd only) | 11.7970% | 324 |
| Net charge-offs to loans | 1.0898% | 1,582 |
| Credit loss provision to net charge-offs | 77.6647% | 4,571 |
| Earnings coverage of net charge-offs (x) | 1.9138% | 4,339 |
| Efficiency ratio | 64.5642% | 5,024 |
| Assets per employee ($millions) | 6.8463% | 795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8662% | 915 |
| Loan loss allowance to noncurrent loans | 58.7503% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 2.7495% | 2,206 |
| Noncurrent loans to loans | 4.8787% | 1,176 |
| Net loans and leases to total assets | 52.3081% | 5,262 |
| Net loans and leases to deposits | 77.0397% | 2,994 |
| Net loans and leases to core deposits | 94.5101% | 1,632 |
| Total domestic deposits to total assets | 67.8976% | 7,078 |
| Equity capital to assets | 10.5058% | 3,531 |
| Core capital (leverage) ratio | 9.8183% | 3,563 |
| Tier 1 risk-based capital ratio | 17.3853% | 2,427 |
| Total risk-based capital ratio | 18.6563% | 2,386 |
| Memoranda: | ||
| Average total assets | $305,712,200 | 2,089 |
| Average earning assets | $284,626,600 | 2,063 |
| Average equity | $29,193,800 | 2,257 |
| Average total loans | $171,323,600 | 2,361 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7831% | 4,097 |
| Cost of funding earning assets | 1.6975% | 400 |
| Net interest margin | 3.0857% | 6,416 |
| Noninterest income to average assets | 0.4658% | 4,164 |
| Noninterest expense to average assets | 2.1919% | 6,294 |
| Loan and lease loss provision to assets | 0.5054% | 1,958 |
| Net operating income to assets | 0.6376% | 3,933 |
| Return on assets (ROA) | 1.2195% | 1,709 |
| Pretax return on assets | 1.2221% | 2,552 |
| Return on Equity (ROE) | 13.1106% | 1,250 |
| Retained earnings to average equity (ytd only) | 13.1106% | 372 |
| Net charge-offs to loans | 0.7010% | 2,157 |
| Credit loss provision to net charge-offs | 127.3533% | 2,516 |
| Earnings coverage of net charge-offs (x) | 2.8870% | 3,698 |
| Efficiency ratio | 65.5168% | 4,803 |
| Assets per employee ($millions) | 6.5101% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2344% | 700 |
| Loan loss allowance to noncurrent loans | 66.4782% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 2.8603% | 2,265 |
| Noncurrent loans to loans | 4.8654% | 1,305 |
| Net loans and leases to total assets | 52.8968% | 5,337 |
| Net loans and leases to deposits | 78.0193% | 2,986 |
| Net loans and leases to core deposits | 96.2069% | 1,590 |
| Total domestic deposits to total assets | 67.7996% | 7,148 |
| Equity capital to assets | 10.2767% | 3,991 |
| Core capital (leverage) ratio | 9.6283% | 3,952 |
| Tier 1 risk-based capital ratio | 16.9970% | 2,646 |
| Total risk-based capital ratio | 18.2741% | 2,596 |
| Memoranda: | ||
| Average total assets | $303,407,750 | 2,122 |
| Average earning assets | $282,373,750 | 2,084 |
| Average equity | $28,220,750 | 2,315 |
| Average total loans | $171,755,750 | 2,368 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8684% | 3,759 |
| Cost of funding earning assets | 1.7345% | 415 |
| Net interest margin | 3.1339% | 6,323 |
| Noninterest income to average assets | 0.6099% | 3,074 |
| Noninterest expense to average assets | 2.3583% | 5,967 |
| Loan and lease loss provision to assets | 0.3995% | 2,422 |
| Net operating income to assets | 0.7650% | 3,222 |
| Return on assets (ROA) | 1.0094% | 2,286 |
| Pretax return on assets | 1.0114% | 3,201 |
| Return on Equity (ROE) | 11.2616% | 1,711 |
| Retained earnings to average equity (ytd only) | 11.2616% | 625 |
| Net charge-offs to loans | 0.4835% | 2,652 |
| Credit loss provision to net charge-offs | 144.2308% | 2,121 |
| Earnings coverage of net charge-offs (x) | 4.2115% | 2,926 |
| Efficiency ratio | 66.7548% | 4,732 |
| Assets per employee ($millions) | 6.4444% | 952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1899% | 771 |
| Loan loss allowance to noncurrent loans | 83.8116% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 2.7475% | 2,433 |
| Noncurrent loans to loans | 3.8060% | 1,832 |
| Net loans and leases to total assets | 53.5887% | 5,353 |
| Net loans and leases to deposits | 79.5855% | 2,871 |
| Net loans and leases to core deposits | 100.2868% | 1,318 |
| Total domestic deposits to total assets | 67.3348% | 7,224 |
| Equity capital to assets | 9.7872% | 4,403 |
| Core capital (leverage) ratio | 9.3996% | 4,112 |
| Tier 1 risk-based capital ratio | 15.3790% | 3,305 |
| Total risk-based capital ratio | 16.6495% | 3,240 |
| Memoranda: | ||
| Average total assets | $300,382,330 | 2,147 |
| Average earning assets | $279,393,000 | 2,108 |
| Average equity | $26,923,330 | 2,390 |
| Average total loans | $172,068,000 | 2,382 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8261% | 3,925 |
| Cost of funding earning assets | 1.7813% | 404 |
| Net interest margin | 3.0449% | 6,471 |
| Noninterest income to average assets | 0.6434% | 2,884 |
| Noninterest expense to average assets | 2.4278% | 5,802 |
| Loan and lease loss provision to assets | 0.4055% | 2,163 |
| Net operating income to assets | 0.6421% | 3,794 |
| Return on assets (ROA) | 0.8192% | 2,988 |
| Pretax return on assets | 0.8178% | 3,836 |
| Return on Equity (ROE) | 9.6010% | 2,247 |
| Retained earnings to average equity (ytd only) | 9.6010% | 1,209 |
| Net charge-offs to loans | 0.6516% | 1,901 |
| Credit loss provision to net charge-offs | 106.7616% | 2,501 |
| Earnings coverage of net charge-offs (x) | 2.7544% | 2,976 |
| Efficiency ratio | 69.7276% | 4,332 |
| Assets per employee ($millions) | 6.3936% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0787% | 849 |
| Loan loss allowance to noncurrent loans | 77.9200% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 2.9770% | 2,318 |
| Noncurrent loans to loans | 3.9511% | 1,850 |
| Net loans and leases to total assets | 55.4928% | 5,077 |
| Net loans and leases to deposits | 82.2654% | 2,317 |
| Net loans and leases to core deposits | 101.0869% | 1,259 |
| Total domestic deposits to total assets | 67.4559% | 7,284 |
| Equity capital to assets | 9.2762% | 4,771 |
| Core capital (leverage) ratio | 9.5014% | 3,805 |
| Tier 1 risk-based capital ratio | 15.1291% | 3,358 |
| Total risk-based capital ratio | 16.3991% | 3,308 |
| Memoranda: | ||
| Average total assets | $295,907,500 | 2,184 |
| Average earning assets | $275,085,500 | 2,160 |
| Average equity | $25,247,500 | 2,519 |
| Average total loans | $172,487,500 | 2,400 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1974% | 3,621 |
| Cost of funding earning assets | 2.1600% | 346 |
| Net interest margin | 3.0375% | 6,663 |
| Noninterest income to average assets | 0.6246% | 3,317 |
| Noninterest expense to average assets | 2.4652% | 5,902 |
| Loan and lease loss provision to assets | 1.3119% | 1,168 |
| Net operating income to assets | -0.3257% | 6,239 |
| Return on assets (ROA) | -2.1208% | 7,102 |
| Pretax return on assets | -2.1442% | 7,073 |
| Return on Equity (ROE) | -27.8823% | 7,188 |
| Retained earnings to average equity (ytd only) | -27.8823% | 7,176 |
| Net charge-offs to loans | 2.4042% | 788 |
| Credit loss provision to net charge-offs | 95.9036% | 4,848 |
| Earnings coverage of net charge-offs (x) | 0.7171% | 5,396 |
| Efficiency ratio | 71.3725% | 3,916 |
| Assets per employee ($millions) | 6.3329% | 1,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0522% | 830 |
| Loan loss allowance to noncurrent loans | 76.7597% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 2.9044% | 2,417 |
| Noncurrent loans to loans | 3.9764% | 1,830 |
| Net loans and leases to total assets | 57.5473% | 5,103 |
| Net loans and leases to deposits | 85.6296% | 2,163 |
| Net loans and leases to core deposits | 102.3736% | 1,424 |
| Total domestic deposits to total assets | 67.2049% | 7,353 |
| Equity capital to assets | 7.7648% | 6,700 |
| Core capital (leverage) ratio | 7.5193% | 6,690 |
| Tier 1 risk-based capital ratio | 12.2452% | 5,264 |
| Total risk-based capital ratio | 13.5130% | 5,211 |
| Memoranda: | ||
| Average total assets | $303,379,200 | 2,133 |
| Average earning assets | $281,811,400 | 2,095 |
| Average equity | $23,075,600 | 2,751 |
| Average total loans | $172,614,800 | 2,436 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2448% | 3,605 |
| Cost of funding earning assets | 2.1773% | 409 |
| Net interest margin | 3.0675% | 6,691 |
| Noninterest income to average assets | 0.6432% | 3,166 |
| Noninterest expense to average assets | 2.1501% | 6,739 |
| Loan and lease loss provision to assets | 1.1662% | 1,236 |
| Net operating income to assets | 0.1564% | 5,627 |
| Return on assets (ROA) | -0.2611% | 6,441 |
| Pretax return on assets | -0.2933% | 6,404 |
| Return on Equity (ROE) | -3.4498% | 6,533 |
| Retained earnings to average equity (ytd only) | -3.4498% | 6,401 |
| Net charge-offs to loans | 2.9658% | 530 |
| Credit loss provision to net charge-offs | 69.8280% | 5,425 |
| Earnings coverage of net charge-offs (x) | 0.8035% | 5,247 |
| Efficiency ratio | 61.4206% | 5,719 |
| Assets per employee ($millions) | 6.5228% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4496% | 1,398 |
| Loan loss allowance to noncurrent loans | 61.5760% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 2.9148% | 2,491 |
| Noncurrent loans to loans | 3.9782% | 1,888 |
| Net loans and leases to total assets | 55.7254% | 5,588 |
| Net loans and leases to deposits | 85.7121% | 2,407 |
| Net loans and leases to core deposits | 100.0533% | 1,847 |
| Total domestic deposits to total assets | 65.0146% | 7,495 |
| Equity capital to assets | 7.9544% | 6,835 |
| Core capital (leverage) ratio | 8.8261% | 4,963 |
| Tier 1 risk-based capital ratio | 12.9017% | 4,655 |
| Total risk-based capital ratio | 14.1608% | 4,629 |
| Memoranda: | ||
| Average total assets | $306,395,250 | 2,149 |
| Average earning assets | $284,566,000 | 2,111 |
| Average equity | $23,189,500 | 2,780 |
| Average total loans | $172,538,000 | 2,481 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3052% | 3,448 |
| Cost of funding earning assets | 2.2104% | 449 |
| Net interest margin | 3.0948% | 6,621 |
| Noninterest income to average assets | 0.3924% | 4,968 |
| Noninterest expense to average assets | 1.9671% | 7,159 |
| Loan and lease loss provision to assets | 0.9010% | 1,621 |
| Net operating income to assets | 0.4479% | 4,561 |
| Return on assets (ROA) | 0.5021% | 4,467 |
| Pretax return on assets | 0.4524% | 5,056 |
| Return on Equity (ROE) | 6.7484% | 3,422 |
| Retained earnings to average equity (ytd only) | 6.7484% | 1,949 |
| Net charge-offs to loans | 3.8305% | 352 |
| Credit loss provision to net charge-offs | 41.9708% | 5,578 |
| Earnings coverage of net charge-offs (x) | 0.6052% | 5,135 |
| Efficiency ratio | 60.0640% | 6,037 |
| Assets per employee ($millions) | 6.4535% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0413% | 2,089 |
| Loan loss allowance to noncurrent loans | 49.0033% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 3.5824% | 1,961 |
| Noncurrent loans to loans | 4.1657% | 1,789 |
| Net loans and leases to total assets | 56.0059% | 5,706 |
| Net loans and leases to deposits | 85.8887% | 2,518 |
| Net loans and leases to core deposits | 100.9874% | 1,919 |
| Total domestic deposits to total assets | 65.2076% | 7,556 |
| Equity capital to assets | 8.0391% | 6,714 |
| Core capital (leverage) ratio | 9.2905% | 4,136 |
| Tier 1 risk-based capital ratio | 13.1652% | 4,311 |
| Total risk-based capital ratio | 14.4170% | 4,267 |
| Memoranda: | ||
| Average total assets | $306,336,670 | 2,167 |
| Average earning assets | $284,475,670 | 2,122 |
| Average equity | $22,790,670 | 2,823 |
| Average total loans | $171,674,670 | 2,518 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3538% | 3,279 |
| Cost of funding earning assets | 2.2393% | 524 |
| Net interest margin | 3.1144% | 6,552 |
| Noninterest income to average assets | 0.2287% | 6,322 |
| Noninterest expense to average assets | 1.8555% | 7,404 |
| Loan and lease loss provision to assets | 1.5592% | 743 |
| Net operating income to assets | -0.1132% | 6,442 |
| Return on assets (ROA) | 0.0390% | 6,306 |
| Pretax return on assets | -0.0533% | 6,414 |
| Return on Equity (ROE) | 0.5456% | 6,253 |
| Retained earnings to average equity (ytd only) | 0.5456% | 5,609 |
| Net charge-offs to loans | 0.7611% | 1,988 |
| Credit loss provision to net charge-offs | 369.2308% | 1,105 |
| Earnings coverage of net charge-offs (x) | 3.0031% | 3,050 |
| Efficiency ratio | 59.2346% | 6,301 |
| Assets per employee ($millions) | 6.9758% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6751% | 479 |
| Loan loss allowance to noncurrent loans | 81.5766% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 3.7343% | 1,863 |
| Noncurrent loans to loans | 4.5050% | 1,662 |
| Net loans and leases to total assets | 53.9945% | 6,023 |
| Net loans and leases to deposits | 81.7825% | 3,320 |
| Net loans and leases to core deposits | 97.0742% | 2,452 |
| Total domestic deposits to total assets | 66.0220% | 7,616 |
| Equity capital to assets | 7.3230% | 7,202 |
| Core capital (leverage) ratio | 9.0025% | 4,565 |
| Tier 1 risk-based capital ratio | 13.0497% | 4,297 |
| Total risk-based capital ratio | 14.3202% | 4,254 |
| Memoranda: | ||
| Average total assets | $307,847,000 | 2,206 |
| Average earning assets | $286,154,500 | 2,170 |
| Average equity | $21,994,000 | 2,946 |
| Average total loans | $170,804,500 | 2,595 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5774% | 3,713 |
| Cost of funding earning assets | 2.7939% | 454 |
| Net interest margin | 2.7835% | 7,089 |
| Noninterest income to average assets | 0.5847% | 3,753 |
| Noninterest expense to average assets | 2.3250% | 6,674 |
| Loan and lease loss provision to assets | 0.6935% | 3,051 |
| Net operating income to assets | 0.1422% | 5,078 |
| Return on assets (ROA) | 0.1067% | 5,241 |
| Pretax return on assets | 0.1225% | 5,172 |
| Return on Equity (ROE) | 1.5068% | 5,087 |
| Retained earnings to average equity (ytd only) | -2.8844% | 5,677 |
| Net charge-offs to loans | 1.7088% | 1,474 |
| Credit loss provision to net charge-offs | 82.4339% | 6,234 |
| Earnings coverage of net charge-offs (x) | 1.0185% | 5,097 |
| Efficiency ratio | 72.9075% | 4,114 |
| Assets per employee ($millions) | 6.8613% | 844 |
| Cash dividends to net income (ytd only)* | 291.4286% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2137% | 652 |
| Loan loss allowance to noncurrent loans | 57.7102% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 4.2425% | 1,546 |
| Noncurrent loans to loans | 5.5686% | 1,154 |
| Net loans and leases to total assets | 53.1512% | 6,294 |
| Net loans and leases to deposits | 77.2008% | 4,530 |
| Net loans and leases to core deposits | 81.5938% | 5,946 |
| Total domestic deposits to total assets | 68.8480% | 7,499 |
| Equity capital to assets | 6.9670% | 7,383 |
| Core capital (leverage) ratio | 8.7828% | 4,789 |
| Tier 1 risk-based capital ratio | 12.9034% | 4,206 |
| Total risk-based capital ratio | 14.1349% | 4,174 |
| Memoranda: | ||
| Average total assets | $328,175,000 | 2,061 |
| Average earning assets | $306,200,200 | 2,033 |
| Average equity | $23,228,200 | 2,805 |
| Average total loans | $161,572,200 | 2,733 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6122% | 3,794 |
| Cost of funding earning assets | 2.8980% | 462 |
| Net interest margin | 2.7142% | 7,192 |
| Noninterest income to average assets | 0.4912% | 4,560 |
| Noninterest expense to average assets | 1.8136% | 7,653 |
| Loan and lease loss provision to assets | 0.2630% | 4,857 |
| Net operating income to assets | 0.9312% | 2,303 |
| Return on assets (ROA) | 0.7727% | 2,983 |
| Pretax return on assets | 0.7883% | 3,579 |
| Return on Equity (ROE) | 10.8772% | 1,659 |
| Retained earnings to average equity (ytd only) | 5.1286% | 2,411 |
| Net charge-offs to loans | 1.2048% | 1,691 |
| Credit loss provision to net charge-offs | 45.5617% | 6,368 |
| Earnings coverage of net charge-offs (x) | 2.1012% | 4,243 |
| Efficiency ratio | 59.9206% | 6,426 |
| Assets per employee ($millions) | 7.5291% | 624 |
| Cash dividends to net income (ytd only)* | 52.8499% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1199% | 603 |
| Loan loss allowance to noncurrent loans | 55.2776% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 3.3898% | 1,973 |
| Noncurrent loans to loans | 5.6440% | 1,099 |
| Net loans and leases to total assets | 47.1825% | 7,017 |
| Net loans and leases to deposits | 80.0680% | 4,374 |
| Net loans and leases to core deposits | 87.2340% | 5,725 |
| Total domestic deposits to total assets | 58.9280% | 7,894 |
| Equity capital to assets | 7.1456% | 7,525 |
| Core capital (leverage) ratio | 8.9038% | 4,808 |
| Tier 1 risk-based capital ratio | 13.2776% | 4,001 |
| Total risk-based capital ratio | 14.5405% | 3,942 |
| Memoranda: | ||
| Average total assets | $333,029,500 | 2,057 |
| Average earning assets | $311,101,000 | 2,020 |
| Average equity | $23,657,500 | 2,793 |
| Average total loans | $159,576,000 | 2,797 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7334% | 3,377 |
| Cost of funding earning assets | 2.9986% | 478 |
| Net interest margin | 2.7348% | 7,131 |
| Noninterest income to average assets | 0.4995% | 4,452 |
| Noninterest expense to average assets | 1.8411% | 7,697 |
| Loan and lease loss provision to assets | 0.2646% | 4,460 |
| Net operating income to assets | 0.9338% | 2,330 |
| Return on assets (ROA) | 1.0510% | 2,015 |
| Pretax return on assets | 1.0667% | 2,746 |
| Return on Equity (ROE) | 14.8253% | 862 |
| Retained earnings to average equity (ytd only) | 6.1346% | 1,956 |
| Net charge-offs to loans | 1.2766% | 1,452 |
| Credit loss provision to net charge-offs | 43.4955% | 5,852 |
| Earnings coverage of net charge-offs (x) | 1.9940% | 4,093 |
| Efficiency ratio | 60.2848% | 6,499 |
| Assets per employee ($millions) | 6.8066% | 843 |
| Cash dividends to net income (ytd only)* | 58.6207% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3356% | 435 |
| Loan loss allowance to noncurrent loans | 72.7852% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 2.5414% | 2,531 |
| Noncurrent loans to loans | 4.5828% | 1,396 |
| Net loans and leases to total assets | 47.5878% | 7,071 |
| Net loans and leases to deposits | 80.2507% | 4,508 |
| Net loans and leases to core deposits | 92.8044% | 5,265 |
| Total domestic deposits to total assets | 59.2989% | 7,955 |
| Equity capital to assets | 6.3746% | 7,846 |
| Core capital (leverage) ratio | 8.8490% | 4,864 |
| Tier 1 risk-based capital ratio | 13.1167% | 4,056 |
| Total risk-based capital ratio | 14.3802% | 3,969 |
| Memoranda: | ||
| Average total assets | $331,102,670 | 2,096 |
| Average earning assets | $309,273,330 | 2,060 |
| Average equity | $23,473,330 | 2,814 |
| Average total loans | $157,765,670 | 2,861 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8444% | 3,062 |
| Cost of funding earning assets | 2.9478% | 685 |
| Net interest margin | 2.8966% | 6,753 |
| Noninterest income to average assets | 0.4873% | 4,441 |
| Noninterest expense to average assets | 1.6802% | 7,842 |
| Loan and lease loss provision to assets | 0.2628% | 3,856 |
| Net operating income to assets | 1.2431% | 1,529 |
| Return on assets (ROA) | 1.5722% | 900 |
| Pretax return on assets | 1.5890% | 1,437 |
| Return on Equity (ROE) | 21.1320% | 355 |
| Retained earnings to average equity (ytd only) | 4.6781% | 3,318 |
| Net charge-offs to loans | 0.7579% | 1,686 |
| Credit loss provision to net charge-offs | 73.9865% | 4,285 |
| Earnings coverage of net charge-offs (x) | 4.2770% | 2,922 |
| Efficiency ratio | 52.5131% | 7,363 |
| Assets per employee ($millions) | 6.8398% | 835 |
| Cash dividends to net income (ytd only)* | 77.8626% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6800% | 276 |
| Loan loss allowance to noncurrent loans | 77.7173% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 2.4200% | 2,373 |
| Noncurrent loans to loans | 4.7351% | 1,175 |
| Net loans and leases to total assets | 46.6858% | 7,137 |
| Net loans and leases to deposits | 81.5157% | 4,366 |
| Net loans and leases to core deposits | 95.5341% | 5,020 |
| Total domestic deposits to total assets | 57.2721% | 8,021 |
| Equity capital to assets | 6.2895% | 7,939 |
| Core capital (leverage) ratio | 8.4588% | 5,617 |
| Tier 1 risk-based capital ratio | 13.4299% | 3,914 |
| Total risk-based capital ratio | 14.6974% | 3,817 |
| Memoranda: | ||
| Average total assets | $333,296,000 | 2,090 |
| Average earning assets | $312,094,500 | 2,051 |
| Average equity | $24,796,500 | 2,672 |
| Average total loans | $156,227,500 | 2,910 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0236% | 5,435 |
| Cost of funding earning assets | 3.3663% | 769 |
| Net interest margin | 2.6573% | 7,564 |
| Noninterest income to average assets | 0.4992% | 4,618 |
| Noninterest expense to average assets | 1.3583% | 8,096 |
| Loan and lease loss provision to assets | 1.7731% | 713 |
| Net operating income to assets | -0.1260% | 6,530 |
| Return on assets (ROA) | -0.8731% | 7,089 |
| Pretax return on assets | -0.9429% | 6,967 |
| Return on Equity (ROE) | -8.9817% | 7,196 |
| Retained earnings to average equity (ytd only) | -19.3613% | 7,668 |
| Net charge-offs to loans | 1.1055% | 1,102 |
| Credit loss provision to net charge-offs | 391.7051% | 1,130 |
| Earnings coverage of net charge-offs (x) | 3.6090% | 4,296 |
| Efficiency ratio | 45.3984% | 7,956 |
| Assets per employee ($millions) | 8.9022% | 357 |
| Cash dividends to net income (ytd only)* | -115.5631% | 8,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8696% | 210 |
| Loan loss allowance to noncurrent loans | 70.0555% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 2.5765% | 1,876 |
| Noncurrent loans to loans | 5.5236% | 728 |
| Net loans and leases to total assets | 43.5707% | 7,495 |
| Net loans and leases to deposits | 78.0889% | 5,325 |
| Net loans and leases to core deposits | 91.5490% | 5,679 |
| Total domestic deposits to total assets | 55.7963% | 8,062 |
| Equity capital to assets | 8.5562% | 5,998 |
| Core capital (leverage) ratio | 8.5114% | 5,560 |
| Tier 1 risk-based capital ratio | 13.2371% | 3,973 |
| Total risk-based capital ratio | 14.5048% | 3,874 |
| Memoranda: | ||
| Average total assets | $335,567,000 | 1,991 |
| Average earning assets | $314,793,800 | 1,936 |
| Average equity | $32,621,800 | 2,076 |
| Average total loans | $137,400,600 | 3,138 |