Home > Security First Bank > Performance and Condition Ratios
Security First Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0911% | 1,873 |
| Cost of funding earning assets | 2.0611% | 830 |
| Net interest margin | 3.0300% | 3,223 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.2275% | 3,049 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.8656% | 2,651 |
| Return on assets (ROA) | 0.8703% | 2,607 |
| Pretax return on assets | 1.1163% | 2,364 |
| Return on Equity (ROE) | 10.6500% | 2,325 |
| Retained earnings to average equity (ytd only) | 7.1760% | 1,841 |
| Net charge-offs to loans | -0.0031% | 3,742 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.4970% | 2,545 |
| Assets per employee ($millions) | 6.8577% | 2,165 |
| Cash dividends to net income (ytd only)* | 32.6009% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 1,871 |
| Loan loss allowance to noncurrent loans | 283.6037% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.3098% | 1,711 |
| Noncurrent loans to loans | 0.4518% | 1,652 |
| Net loans and leases to total assets | 67.6800% | 2,074 |
| Net loans and leases to deposits | 80.7354% | 2,049 |
| Net loans and leases to core deposits | 91.6443% | 1,932 |
| Total domestic deposits to total assets | 83.8300% | 2,667 |
| Equity capital to assets | 8.2020% | 3,275 |
| Core capital (leverage) ratio | 8.2432% | 4,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6832% | 2,659 |
| Memoranda: | ||
| Average total assets | $1,762,260,200 | 635 |
| Average earning assets | $1,654,102,800 | 621 |
| Average equity | $144,049,800 | 693 |
| Average total loans | $1,205,573,600 | 630 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9839% | 1,860 |
| Cost of funding earning assets | 1.9139% | 841 |
| Net interest margin | 3.0700% | 3,201 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 2.2412% | 2,965 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.8711% | 2,790 |
| Return on assets (ROA) | 0.8757% | 2,757 |
| Pretax return on assets | 1.1234% | 2,495 |
| Return on Equity (ROE) | 10.7200% | 2,441 |
| Retained earnings to average equity (ytd only) | 10.7231% | 1,207 |
| Net charge-offs to loans | 0.0187% | 1,754 |
| Credit loss provision to net charge-offs | 970.6587% | 418 |
| Earnings coverage of net charge-offs (x) | 97.7305% | 927 |
| Efficiency ratio | 64.0864% | 2,484 |
| Assets per employee ($millions) | 6.7421% | 2,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 2,055 |
| Loan loss allowance to noncurrent loans | 297.0203% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2972% | 1,820 |
| Noncurrent loans to loans | 0.4241% | 1,768 |
| Net loans and leases to total assets | 69.1900% | 1,919 |
| Net loans and leases to deposits | 83.2663% | 1,805 |
| Net loans and leases to core deposits | 95.6204% | 1,576 |
| Total domestic deposits to total assets | 83.0900% | 2,999 |
| Equity capital to assets | 8.2840% | 2,863 |
| Core capital (leverage) ratio | 8.2178% | 4,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8687% | 2,649 |
| Memoranda: | ||
| Average total assets | $1,745,071,500 | 641 |
| Average earning assets | $1,640,651,500 | 626 |
| Average equity | $142,517,500 | 693 |
| Average total loans | $1,193,129,000 | 629 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7081% | 2,186 |
| Cost of funding earning assets | 1.6269% | 1,002 |
| Net interest margin | 3.0812% | 3,263 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.1956% | 3,090 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.8831% | 2,816 |
| Return on assets (ROA) | 0.8901% | 2,777 |
| Pretax return on assets | 1.1411% | 2,533 |
| Return on Equity (ROE) | 10.9500% | 2,433 |
| Retained earnings to average equity (ytd only) | 10.9528% | 1,192 |
| Net charge-offs to loans | 0.0274% | 1,342 |
| Credit loss provision to net charge-offs | 697.5155% | 523 |
| Earnings coverage of net charge-offs (x) | 68.7640% | 1,121 |
| Efficiency ratio | 63.0817% | 2,583 |
| Assets per employee ($millions) | 6.8541% | 2,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 2,642 |
| Loan loss allowance to noncurrent loans | 191.8249% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.4417% | 1,204 |
| Noncurrent loans to loans | 0.6061% | 1,232 |
| Net loans and leases to total assets | 72.0400% | 1,526 |
| Net loans and leases to deposits | 86.6967% | 1,448 |
| Net loans and leases to core deposits | 102.8377% | 1,101 |
| Total domestic deposits to total assets | 83.0900% | 3,027 |
| Equity capital to assets | 8.0566% | 3,172 |
| Core capital (leverage) ratio | 8.3673% | 4,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1335% | 2,829 |
| Memoranda: | ||
| Average total assets | $1,735,706,333 | 631 |
| Average earning assets | $1,632,565,333 | 616 |
| Average equity | $141,060,333 | 695 |
| Average total loans | $1,176,676,000 | 628 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4085% | 2,532 |
| Cost of funding earning assets | 1.3034% | 1,223 |
| Net interest margin | 3.1051% | 3,338 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.3479% | 2,681 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.8268% | 3,106 |
| Return on assets (ROA) | 0.8353% | 3,029 |
| Pretax return on assets | 1.0752% | 2,782 |
| Return on Equity (ROE) | 10.2300% | 2,718 |
| Retained earnings to average equity (ytd only) | 10.2317% | 1,643 |
| Net charge-offs to loans | 0.0065% | 1,713 |
| Credit loss provision to net charge-offs | 72.2222% | 1,240 |
| Earnings coverage of net charge-offs (x) | 263.7778% | 409 |
| Efficiency ratio | 67.7064% | 2,007 |
| Assets per employee ($millions) | 6.9854% | 1,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 2,467 |
| Loan loss allowance to noncurrent loans | 174.2724% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.4536% | 1,125 |
| Noncurrent loans to loans | 0.6989% | 1,089 |
| Net loans and leases to total assets | 64.1100% | 2,239 |
| Net loans and leases to deposits | 77.4530% | 2,000 |
| Net loans and leases to core deposits | 82.6836% | 2,083 |
| Total domestic deposits to total assets | 82.7700% | 3,340 |
| Equity capital to assets | 7.9230% | 3,297 |
| Core capital (leverage) ratio | 8.6795% | 4,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7086% | 2,811 |
| Memoranda: | ||
| Average total assets | $1,709,097,000 | 649 |
| Average earning assets | $1,607,152,500 | 634 |
| Average equity | $139,527,500 | 711 |
| Average total loans | $1,113,098,500 | 662 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9889% | 1,747 |
| Cost of funding earning assets | 0.6287% | 791 |
| Net interest margin | 3.3602% | 2,383 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 2.3513% | 2,576 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 0.9461% | 2,786 |
| Return on assets (ROA) | 0.9495% | 2,720 |
| Pretax return on assets | 1.2411% | 2,308 |
| Return on Equity (ROE) | 11.5900% | 2,272 |
| Retained earnings to average equity (ytd only) | 11.5930% | 760 |
| Net charge-offs to loans | 0.2099% | 396 |
| Credit loss provision to net charge-offs | 157.4957% | 1,269 |
| Earnings coverage of net charge-offs (x) | 9.9112% | 2,211 |
| Efficiency ratio | 61.3533% | 2,865 |
| Assets per employee ($millions) | 6.2662% | 2,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 1,730 |
| Loan loss allowance to noncurrent loans | 225.9790% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.3871% | 1,321 |
| Noncurrent loans to loans | 0.5920% | 1,264 |
| Net loans and leases to total assets | 64.5000% | 2,197 |
| Net loans and leases to deposits | 74.2390% | 2,239 |
| Net loans and leases to core deposits | 79.2426% | 2,181 |
| Total domestic deposits to total assets | 86.8900% | 2,426 |
| Equity capital to assets | 8.4302% | 2,759 |
| Core capital (leverage) ratio | 8.5108% | 4,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4813% | 2,576 |
| Memoranda: | ||
| Average total assets | $1,555,696,600 | 685 |
| Average earning assets | $1,462,610,800 | 670 |
| Average equity | $127,422,000 | 775 |
| Average total loans | $1,099,583,200 | 631 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8172% | 1,700 |
| Cost of funding earning assets | 0.4526% | 970 |
| Net interest margin | 3.3646% | 2,085 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.4110% | 2,285 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.0298% | 2,366 |
| Return on assets (ROA) | 1.0344% | 2,314 |
| Pretax return on assets | 1.3279% | 1,957 |
| Return on Equity (ROE) | 12.7300% | 1,797 |
| Retained earnings to average equity (ytd only) | 12.7272% | 654 |
| Net charge-offs to loans | -0.0221% | 4,023 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.5144% | 2,760 |
| Assets per employee ($millions) | 6.1771% | 2,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 2,697 |
| Loan loss allowance to noncurrent loans | 230.7989% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.3800% | 1,421 |
| Noncurrent loans to loans | 0.5068% | 1,532 |
| Net loans and leases to total assets | 74.1200% | 1,085 |
| Net loans and leases to deposits | 85.9867% | 1,172 |
| Net loans and leases to core deposits | 91.8616% | 1,189 |
| Total domestic deposits to total assets | 86.2000% | 3,020 |
| Equity capital to assets | 8.0913% | 2,843 |
| Core capital (leverage) ratio | 8.4898% | 4,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7323% | 3,081 |
| Memoranda: | ||
| Average total assets | $1,538,884,000 | 694 |
| Average earning assets | $1,448,575,500 | 683 |
| Average equity | $125,073,250 | 799 |
| Average total loans | $1,109,211,750 | 619 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5931% | 1,866 |
| Cost of funding earning assets | 0.3314% | 1,429 |
| Net interest margin | 3.2616% | 2,027 |
| Noninterest income to average assets | 0.7077% | 1,302 |
| Noninterest expense to average assets | 2.3661% | 2,352 |
| Loan and lease loss provision to assets | 0.0850% | 1,166 |
| Net operating income to assets | 1.0465% | 1,990 |
| Return on assets (ROA) | 1.0535% | 1,929 |
| Pretax return on assets | 1.3363% | 1,625 |
| Return on Equity (ROE) | 12.9414% | 1,397 |
| Retained earnings to average equity (ytd only) | 12.9414% | 475 |
| Net charge-offs to loans | -0.0133% | 3,704 |
| Credit loss provision to net charge-offs | -901.4085% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4403% | 2,991 |
| Assets per employee ($millions) | 5.7442% | 2,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 2,890 |
| Loan loss allowance to noncurrent loans | 240.3965% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.3629% | 1,543 |
| Noncurrent loans to loans | 0.4821% | 1,668 |
| Net loans and leases to total assets | 74.3970% | 874 |
| Net loans and leases to deposits | 87.2662% | 889 |
| Net loans and leases to core deposits | 89.9938% | 1,121 |
| Total domestic deposits to total assets | 85.2529% | 3,427 |
| Equity capital to assets | 7.8855% | 3,213 |
| Core capital (leverage) ratio | 8.0187% | 4,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.0700% | 3,082 |
| Memoranda: | ||
| Average total assets | $1,506,197,333 | 695 |
| Average earning assets | $1,418,069,667 | 686 |
| Average equity | $122,614,333 | 816 |
| Average total loans | $1,069,743,333 | 625 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3820% | 2,141 |
| Cost of funding earning assets | 0.2927% | 1,726 |
| Net interest margin | 3.0893% | 2,208 |
| Noninterest income to average assets | 0.6218% | 1,599 |
| Noninterest expense to average assets | 2.3415% | 2,368 |
| Loan and lease loss provision to assets | 0.0446% | 1,558 |
| Net operating income to assets | 0.8932% | 2,302 |
| Return on assets (ROA) | 0.9064% | 2,250 |
| Pretax return on assets | 1.1606% | 1,952 |
| Return on Equity (ROE) | 10.9543% | 1,634 |
| Retained earnings to average equity (ytd only) | 10.9543% | 794 |
| Net charge-offs to loans | -0.0153% | 3,775 |
| Credit loss provision to net charge-offs | -423.0769% | 3,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1413% | 2,753 |
| Assets per employee ($millions) | 5.7396% | 3,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 2,757 |
| Loan loss allowance to noncurrent loans | 241.0658% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.3620% | 1,665 |
| Noncurrent loans to loans | 0.5062% | 1,760 |
| Net loans and leases to total assets | 70.6455% | 957 |
| Net loans and leases to deposits | 81.2682% | 1,057 |
| Net loans and leases to core deposits | 83.9941% | 1,242 |
| Total domestic deposits to total assets | 86.9288% | 2,952 |
| Equity capital to assets | 8.1054% | 3,491 |
| Core capital (leverage) ratio | 8.1611% | 4,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6621% | 3,074 |
| Memoranda: | ||
| Average total assets | $1,480,954,500 | 705 |
| Average earning assets | $1,394,103,500 | 696 |
| Average equity | $122,545,500 | 843 |
| Average total loans | $1,018,762,500 | 656 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7913% | 1,892 |
| Cost of funding earning assets | 0.3558% | 1,887 |
| Net interest margin | 3.4355% | 1,917 |
| Noninterest income to average assets | 0.7031% | 1,763 |
| Noninterest expense to average assets | 2.5169% | 2,133 |
| Loan and lease loss provision to assets | 0.0362% | 2,321 |
| Net operating income to assets | 1.1074% | 2,268 |
| Return on assets (ROA) | 1.1300% | 2,225 |
| Pretax return on assets | 1.4129% | 2,005 |
| Return on Equity (ROE) | 12.9276% | 1,487 |
| Retained earnings to average equity (ytd only) | 8.7852% | 1,259 |
| Net charge-offs to loans | -0.0023% | 3,381 |
| Credit loss provision to net charge-offs | -2,380.9524% | 4,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7292% | 2,605 |
| Assets per employee ($millions) | 5.5661% | 3,199 |
| Cash dividends to net income (ytd only)* | 32.0431% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 2,228 |
| Loan loss allowance to noncurrent loans | 193.8102% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.4536% | 1,456 |
| Noncurrent loans to loans | 0.6873% | 1,458 |
| Net loans and leases to total assets | 65.1210% | 1,566 |
| Net loans and leases to deposits | 75.2976% | 1,619 |
| Net loans and leases to core deposits | 77.9096% | 1,769 |
| Total domestic deposits to total assets | 86.4848% | 2,721 |
| Equity capital to assets | 8.4480% | 4,085 |
| Core capital (leverage) ratio | 7.9205% | 4,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4424% | 2,995 |
| Memoranda: | ||
| Average total assets | $1,380,903,600 | 724 |
| Average earning assets | $1,300,189,600 | 715 |
| Average equity | $120,703,000 | 860 |
| Average total loans | $928,660,000 | 702 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8310% | 1,948 |
| Cost of funding earning assets | 0.3723% | 1,915 |
| Net interest margin | 3.4587% | 1,981 |
| Noninterest income to average assets | 0.7050% | 1,810 |
| Noninterest expense to average assets | 2.5124% | 2,084 |
| Loan and lease loss provision to assets | 0.0294% | 2,413 |
| Net operating income to assets | 1.1491% | 2,370 |
| Return on assets (ROA) | 1.1820% | 2,283 |
| Pretax return on assets | 1.4640% | 2,100 |
| Return on Equity (ROE) | 13.4017% | 1,575 |
| Retained earnings to average equity (ytd only) | 13.4017% | 583 |
| Net charge-offs to loans | 0.0209% | 1,633 |
| Credit loss provision to net charge-offs | 208.3333% | 1,182 |
| Earnings coverage of net charge-offs (x) | 102.9236% | 859 |
| Efficiency ratio | 63.1727% | 2,513 |
| Assets per employee ($millions) | 5.4974% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 2,465 |
| Loan loss allowance to noncurrent loans | 208.3306% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.4265% | 1,754 |
| Noncurrent loans to loans | 0.6260% | 1,741 |
| Net loans and leases to total assets | 67.2437% | 1,404 |
| Net loans and leases to deposits | 78.5759% | 1,431 |
| Net loans and leases to core deposits | 81.7416% | 1,591 |
| Total domestic deposits to total assets | 85.5780% | 2,922 |
| Equity capital to assets | 8.9784% | 3,851 |
| Core capital (leverage) ratio | 8.1486% | 4,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9339% | 2,981 |
| Memoranda: | ||
| Average total assets | $1,360,159,750 | 743 |
| Average earning assets | $1,282,113,000 | 732 |
| Average equity | $119,961,500 | 876 |
| Average total loans | $919,284,750 | 726 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5711% | 2,716 |
| Cost of funding earning assets | 0.3904% | 1,966 |
| Net interest margin | 3.1808% | 2,811 |
| Noninterest income to average assets | 0.6444% | 2,020 |
| Noninterest expense to average assets | 2.5044% | 2,125 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9070% | 3,194 |
| Return on assets (ROA) | 0.9521% | 3,144 |
| Pretax return on assets | 1.1951% | 2,927 |
| Return on Equity (ROE) | 10.8631% | 2,475 |
| Retained earnings to average equity (ytd only) | 10.8631% | 1,155 |
| Net charge-offs to loans | 0.0550% | 1,073 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 30.7430% | 1,297 |
| Efficiency ratio | 68.5341% | 1,812 |
| Assets per employee ($millions) | 5.4044% | 3,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 2,665 |
| Loan loss allowance to noncurrent loans | 208.8916% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.4186% | 1,934 |
| Noncurrent loans to loans | 0.6005% | 1,904 |
| Net loans and leases to total assets | 68.8355% | 1,350 |
| Net loans and leases to deposits | 80.5810% | 1,370 |
| Net loans and leases to core deposits | 83.6382% | 1,595 |
| Total domestic deposits to total assets | 85.4240% | 2,932 |
| Equity capital to assets | 8.7462% | 4,015 |
| Core capital (leverage) ratio | 7.8172% | 4,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6768% | 3,017 |
| Memoranda: | ||
| Average total assets | $1,344,436,000 | 749 |
| Average earning assets | $1,267,498,667 | 736 |
| Average equity | $117,830,000 | 879 |
| Average total loans | $906,098,000 | 736 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3892% | 3,225 |
| Cost of funding earning assets | 0.4115% | 2,001 |
| Net interest margin | 2.9777% | 3,318 |
| Noninterest income to average assets | 0.6871% | 1,905 |
| Noninterest expense to average assets | 2.4563% | 2,312 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8270% | 3,331 |
| Return on assets (ROA) | 0.8272% | 3,412 |
| Pretax return on assets | 1.0337% | 3,281 |
| Return on Equity (ROE) | 9.4286% | 2,877 |
| Retained earnings to average equity (ytd only) | 9.4286% | 1,819 |
| Net charge-offs to loans | 0.0816% | 785 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 19.1229% | 1,268 |
| Efficiency ratio | 70.1704% | 1,674 |
| Assets per employee ($millions) | 5.3565% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 2,154 |
| Loan loss allowance to noncurrent loans | 200.7092% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.5105% | 1,859 |
| Noncurrent loans to loans | 0.6775% | 1,892 |
| Net loans and leases to total assets | 65.6581% | 1,839 |
| Net loans and leases to deposits | 76.8689% | 1,815 |
| Net loans and leases to core deposits | 80.3235% | 1,973 |
| Total domestic deposits to total assets | 85.4157% | 2,958 |
| Equity capital to assets | 8.7116% | 3,953 |
| Core capital (leverage) ratio | 7.9839% | 4,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1337% | 2,904 |
| Memoranda: | ||
| Average total assets | $1,324,895,500 | 749 |
| Average earning assets | $1,247,002,500 | 740 |
| Average equity | $116,242,500 | 883 |
| Average total loans | $876,922,000 | 753 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0411% | 2,606 |
| Cost of funding earning assets | 0.6498% | 1,992 |
| Net interest margin | 3.3913% | 2,807 |
| Noninterest income to average assets | 0.7951% | 1,546 |
| Noninterest expense to average assets | 2.6631% | 2,348 |
| Loan and lease loss provision to assets | 0.2880% | 1,316 |
| Net operating income to assets | 0.8240% | 2,997 |
| Return on assets (ROA) | 0.8555% | 3,018 |
| Pretax return on assets | 1.0628% | 2,834 |
| Return on Equity (ROE) | 9.0954% | 2,360 |
| Retained earnings to average equity (ytd only) | 4.6321% | 2,461 |
| Net charge-offs to loans | 0.1529% | 1,065 |
| Credit loss provision to net charge-offs | 267.3422% | 1,857 |
| Earnings coverage of net charge-offs (x) | 12.1746% | 2,351 |
| Efficiency ratio | 66.6195% | 2,424 |
| Assets per employee ($millions) | 4.9631% | 3,428 |
| Cash dividends to net income (ytd only)* | 49.0725% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4376% | 1,821 |
| Loan loss allowance to noncurrent loans | 132.3047% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.7763% | 1,318 |
| Noncurrent loans to loans | 1.0866% | 1,303 |
| Net loans and leases to total assets | 64.8556% | 2,247 |
| Net loans and leases to deposits | 76.0235% | 2,280 |
| Net loans and leases to core deposits | 80.7256% | 2,299 |
| Total domestic deposits to total assets | 85.3099% | 2,649 |
| Equity capital to assets | 8.8377% | 4,190 |
| Core capital (leverage) ratio | 8.1333% | 4,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0849% | 2,900 |
| Memoranda: | ||
| Average total assets | $1,191,043,800 | 755 |
| Average earning assets | $1,116,659,400 | 740 |
| Average equity | $112,023,400 | 875 |
| Average total loans | $839,293,800 | 754 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1296% | 2,592 |
| Cost of funding earning assets | 0.7089% | 1,975 |
| Net interest margin | 3.4207% | 2,851 |
| Noninterest income to average assets | 0.7935% | 1,523 |
| Noninterest expense to average assets | 2.6777% | 2,319 |
| Loan and lease loss provision to assets | 0.3246% | 1,204 |
| Net operating income to assets | 0.8025% | 3,079 |
| Return on assets (ROA) | 0.8447% | 3,054 |
| Pretax return on assets | 1.0488% | 2,911 |
| Return on Equity (ROE) | 8.8315% | 2,464 |
| Retained earnings to average equity (ytd only) | 8.8315% | 1,027 |
| Net charge-offs to loans | 0.1761% | 844 |
| Credit loss provision to net charge-offs | 256.8058% | 1,904 |
| Earnings coverage of net charge-offs (x) | 10.4537% | 2,358 |
| Efficiency ratio | 66.5519% | 2,394 |
| Assets per employee ($millions) | 4.8273% | 3,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3591% | 1,915 |
| Loan loss allowance to noncurrent loans | 105.0921% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.9294% | 1,230 |
| Noncurrent loans to loans | 1.2932% | 1,145 |
| Net loans and leases to total assets | 70.8916% | 1,835 |
| Net loans and leases to deposits | 84.6227% | 1,844 |
| Net loans and leases to core deposits | 90.5253% | 1,929 |
| Total domestic deposits to total assets | 83.7737% | 2,900 |
| Equity capital to assets | 9.5783% | 3,625 |
| Core capital (leverage) ratio | 8.6057% | 4,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4314% | 2,810 |
| Memoranda: | ||
| Average total assets | $1,162,477,750 | 762 |
| Average earning assets | $1,089,337,500 | 745 |
| Average equity | $111,189,500 | 875 |
| Average total loans | $834,389,000 | 754 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0953% | 3,060 |
| Cost of funding earning assets | 0.7841% | 1,906 |
| Net interest margin | 3.3112% | 3,354 |
| Noninterest income to average assets | 0.8048% | 1,419 |
| Noninterest expense to average assets | 2.7489% | 2,221 |
| Loan and lease loss provision to assets | 0.2852% | 1,506 |
| Net operating income to assets | 0.7094% | 3,366 |
| Return on assets (ROA) | 0.7518% | 3,324 |
| Pretax return on assets | 0.9277% | 3,238 |
| Return on Equity (ROE) | 7.8639% | 2,803 |
| Retained earnings to average equity (ytd only) | 7.8639% | 1,343 |
| Net charge-offs to loans | 0.1688% | 880 |
| Credit loss provision to net charge-offs | 235.5491% | 1,793 |
| Earnings coverage of net charge-offs (x) | 9.5838% | 2,211 |
| Efficiency ratio | 69.8881% | 1,971 |
| Assets per employee ($millions) | 4.7374% | 3,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 1,983 |
| Loan loss allowance to noncurrent loans | 79.9354% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.1719% | 941 |
| Noncurrent loans to loans | 1.6315% | 899 |
| Net loans and leases to total assets | 70.8942% | 1,894 |
| Net loans and leases to deposits | 84.2100% | 1,978 |
| Net loans and leases to core deposits | 90.8137% | 2,002 |
| Total domestic deposits to total assets | 84.1874% | 2,684 |
| Equity capital to assets | 9.5358% | 3,630 |
| Core capital (leverage) ratio | 8.6721% | 4,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2176% | 2,912 |
| Memoranda: | ||
| Average total assets | $1,142,865,667 | 762 |
| Average earning assets | $1,071,566,667 | 749 |
| Average equity | $109,259,000 | 884 |
| Average total loans | $819,939,333 | 758 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3001% | 2,922 |
| Cost of funding earning assets | 0.9156% | 1,788 |
| Net interest margin | 3.3845% | 3,347 |
| Noninterest income to average assets | 0.6969% | 1,662 |
| Noninterest expense to average assets | 2.7081% | 2,688 |
| Loan and lease loss provision to assets | 0.2250% | 1,377 |
| Net operating income to assets | 0.7525% | 3,087 |
| Return on assets (ROA) | 0.7670% | 3,109 |
| Pretax return on assets | 0.9495% | 2,999 |
| Return on Equity (ROE) | 8.0116% | 2,516 |
| Retained earnings to average equity (ytd only) | 8.0116% | 1,231 |
| Net charge-offs to loans | 0.3323% | 439 |
| Credit loss provision to net charge-offs | 94.4528% | 1,878 |
| Earnings coverage of net charge-offs (x) | 4.8546% | 2,109 |
| Efficiency ratio | 69.6368% | 2,407 |
| Assets per employee ($millions) | 4.4611% | 3,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3147% | 2,076 |
| Loan loss allowance to noncurrent loans | 104.2034% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.8961% | 1,498 |
| Noncurrent loans to loans | 1.2617% | 1,296 |
| Net loans and leases to total assets | 70.0880% | 2,238 |
| Net loans and leases to deposits | 81.3745% | 2,535 |
| Net loans and leases to core deposits | 89.3274% | 2,412 |
| Total domestic deposits to total assets | 86.1301% | 1,955 |
| Equity capital to assets | 9.7789% | 3,974 |
| Core capital (leverage) ratio | 8.7736% | 4,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3034% | 3,004 |
| Memoranda: | ||
| Average total assets | $1,119,759,000 | 749 |
| Average earning assets | $1,048,080,000 | 735 |
| Average equity | $107,194,500 | 896 |
| Average total loans | $802,845,500 | 748 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6959% | 2,341 |
| Cost of funding earning assets | 1.0073% | 1,695 |
| Net interest margin | 3.6886% | 2,842 |
| Noninterest income to average assets | 0.7593% | 1,590 |
| Noninterest expense to average assets | 2.6735% | 2,960 |
| Loan and lease loss provision to assets | 0.5538% | 221 |
| Net operating income to assets | 0.7863% | 3,596 |
| Return on assets (ROA) | 0.7959% | 3,650 |
| Pretax return on assets | 0.9815% | 3,508 |
| Return on Equity (ROE) | 8.1226% | 3,115 |
| Retained earnings to average equity (ytd only) | 4.3385% | 2,795 |
| Net charge-offs to loans | 1.0215% | 156 |
| Credit loss provision to net charge-offs | 71.9100% | 2,890 |
| Earnings coverage of net charge-offs (x) | 1.9782% | 3,467 |
| Efficiency ratio | 63.0888% | 3,211 |
| Assets per employee ($millions) | 4.6225% | 3,056 |
| Cash dividends to net income (ytd only)* | 46.5875% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 2,303 |
| Loan loss allowance to noncurrent loans | 130.7821% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.6777% | 1,898 |
| Noncurrent loans to loans | 0.9368% | 1,630 |
| Net loans and leases to total assets | 71.4514% | 2,178 |
| Net loans and leases to deposits | 82.5513% | 2,492 |
| Net loans and leases to core deposits | 94.2097% | 2,042 |
| Total domestic deposits to total assets | 86.5540% | 1,825 |
| Equity capital to assets | 9.3783% | 4,445 |
| Core capital (leverage) ratio | 8.5755% | 4,798 |
| Tier 1 risk-based capital ratio | 10.5680% | 5,002 |
| Total risk-based capital ratio | 11.6904% | 4,968 |
| Memoranda: | ||
| Average total assets | $1,078,815,000 | 737 |
| Average earning assets | $1,005,465,600 | 725 |
| Average equity | $105,705,000 | 860 |
| Average total loans | $813,388,600 | 703 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7260% | 2,340 |
| Cost of funding earning assets | 1.0184% | 1,685 |
| Net interest margin | 3.7076% | 2,887 |
| Noninterest income to average assets | 0.7457% | 1,605 |
| Noninterest expense to average assets | 2.7063% | 2,857 |
| Loan and lease loss provision to assets | 0.6630% | 162 |
| Net operating income to assets | 0.6772% | 4,084 |
| Return on assets (ROA) | 0.6899% | 4,103 |
| Pretax return on assets | 0.8416% | 4,034 |
| Return on Equity (ROE) | 6.9604% | 3,693 |
| Retained earnings to average equity (ytd only) | 6.9604% | 1,877 |
| Net charge-offs to loans | 1.3859% | 99 |
| Credit loss provision to net charge-offs | 62.7603% | 2,685 |
| Earnings coverage of net charge-offs (x) | 1.4096% | 3,292 |
| Efficiency ratio | 63.8725% | 3,029 |
| Assets per employee ($millions) | 4.7044% | 2,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 2,846 |
| Loan loss allowance to noncurrent loans | 115.6116% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.7344% | 1,870 |
| Noncurrent loans to loans | 0.9826% | 1,630 |
| Net loans and leases to total assets | 72.8004% | 2,035 |
| Net loans and leases to deposits | 87.6696% | 1,980 |
| Net loans and leases to core deposits | 98.8367% | 1,757 |
| Total domestic deposits to total assets | 83.0394% | 3,156 |
| Equity capital to assets | 9.6836% | 4,306 |
| Core capital (leverage) ratio | 8.9713% | 4,660 |
| Tier 1 risk-based capital ratio | 10.9643% | 4,923 |
| Total risk-based capital ratio | 12.0286% | 4,901 |
| Memoranda: | ||
| Average total assets | $1,060,766,500 | 745 |
| Average earning assets | $986,987,750 | 737 |
| Average equity | $105,145,000 | 862 |
| Average total loans | $808,582,500 | 710 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7231% | 2,294 |
| Cost of funding earning assets | 0.9920% | 1,735 |
| Net interest margin | 3.7312% | 2,827 |
| Noninterest income to average assets | 0.7034% | 1,701 |
| Noninterest expense to average assets | 2.7467% | 2,763 |
| Loan and lease loss provision to assets | 0.8994% | 109 |
| Net operating income to assets | 0.4585% | 4,619 |
| Return on assets (ROA) | 0.4756% | 4,608 |
| Pretax return on assets | 0.5496% | 4,623 |
| Return on Equity (ROE) | 4.7584% | 4,405 |
| Retained earnings to average equity (ytd only) | 4.7584% | 2,886 |
| Net charge-offs to loans | 1.2023% | 110 |
| Credit loss provision to net charge-offs | 96.9515% | 2,049 |
| Earnings coverage of net charge-offs (x) | 1.5409% | 3,008 |
| Efficiency ratio | 65.0988% | 2,962 |
| Assets per employee ($millions) | 4.6579% | 2,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4867% | 1,314 |
| Loan loss allowance to noncurrent loans | 88.1457% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 1.3005% | 978 |
| Noncurrent loans to loans | 1.6867% | 907 |
| Net loans and leases to total assets | 75.9595% | 1,554 |
| Net loans and leases to deposits | 92.8354% | 1,394 |
| Net loans and leases to core deposits | 123.3167% | 446 |
| Total domestic deposits to total assets | 81.8216% | 3,570 |
| Equity capital to assets | 9.7718% | 4,165 |
| Core capital (leverage) ratio | 8.9466% | 4,676 |
| Tier 1 risk-based capital ratio | 10.5359% | 5,093 |
| Total risk-based capital ratio | 11.7876% | 5,006 |
| Memoranda: | ||
| Average total assets | $1,039,572,000 | 753 |
| Average earning assets | $967,579,000 | 747 |
| Average equity | $103,900,670 | 863 |
| Average total loans | $802,131,330 | 716 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6618% | 2,340 |
| Cost of funding earning assets | 0.9376% | 1,851 |
| Net interest margin | 3.7242% | 2,802 |
| Noninterest income to average assets | 0.7034% | 1,601 |
| Noninterest expense to average assets | 2.7077% | 2,884 |
| Loan and lease loss provision to assets | 0.3925% | 296 |
| Net operating income to assets | 0.8549% | 3,430 |
| Return on assets (ROA) | 0.8549% | 3,472 |
| Pretax return on assets | 1.0630% | 3,262 |
| Return on Equity (ROE) | 8.4540% | 3,063 |
| Retained earnings to average equity (ytd only) | 8.4540% | 1,508 |
| Net charge-offs to loans | 1.0949% | 121 |
| Credit loss provision to net charge-offs | 46.4468% | 1,997 |
| Earnings coverage of net charge-offs (x) | 1.7222% | 2,563 |
| Efficiency ratio | 64.3127% | 3,189 |
| Assets per employee ($millions) | 4.5083% | 3,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 1,647 |
| Loan loss allowance to noncurrent loans | 79.6055% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 1.3553% | 937 |
| Noncurrent loans to loans | 1.7703% | 875 |
| Net loans and leases to total assets | 75.4804% | 1,570 |
| Net loans and leases to deposits | 90.2947% | 1,591 |
| Net loans and leases to core deposits | 117.1992% | 607 |
| Total domestic deposits to total assets | 83.5934% | 3,189 |
| Equity capital to assets | 9.9201% | 3,903 |
| Core capital (leverage) ratio | 9.1296% | 4,542 |
| Tier 1 risk-based capital ratio | 11.0654% | 4,946 |
| Total risk-based capital ratio | 12.3168% | 4,849 |
| Memoranda: | ||
| Average total assets | $1,019,037,500 | 770 |
| Average earning assets | $946,680,000 | 764 |
| Average equity | $103,052,000 | 865 |
| Average total loans | $786,578,500 | 728 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4320% | 2,659 |
| Cost of funding earning assets | 0.7210% | 1,950 |
| Net interest margin | 3.7110% | 2,992 |
| Noninterest income to average assets | 0.8273% | 1,379 |
| Noninterest expense to average assets | 2.9091% | 2,317 |
| Loan and lease loss provision to assets | 0.0808% | 2,513 |
| Net operating income to assets | 1.0260% | 2,902 |
| Return on assets (ROA) | 1.0384% | 2,836 |
| Pretax return on assets | 1.2723% | 2,606 |
| Return on Equity (ROE) | 10.6317% | 2,230 |
| Retained earnings to average equity (ytd only) | 10.6317% | 500 |
| Net charge-offs to loans | 0.0208% | 3,009 |
| Credit loss provision to net charge-offs | 529.8013% | 658 |
| Earnings coverage of net charge-offs (x) | 87.7417% | 812 |
| Efficiency ratio | 67.4886% | 2,627 |
| Assets per employee ($millions) | 4.0128% | 3,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6375% | 949 |
| Loan loss allowance to noncurrent loans | 62.3601% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 2.0446% | 462 |
| Noncurrent loans to loans | 2.6259% | 445 |
| Net loans and leases to total assets | 76.5883% | 1,504 |
| Net loans and leases to deposits | 89.0802% | 1,918 |
| Net loans and leases to core deposits | 112.5422% | 855 |
| Total domestic deposits to total assets | 85.9769% | 2,243 |
| Equity capital to assets | 10.3193% | 3,356 |
| Core capital (leverage) ratio | 8.9477% | 4,699 |
| Tier 1 risk-based capital ratio | 11.3981% | 4,774 |
| Total risk-based capital ratio | 12.6521% | 4,676 |
| Memoranda: | ||
| Average total assets | $990,243,000 | 776 |
| Average earning assets | $912,523,800 | 776 |
| Average equity | $96,720,000 | 875 |
| Average total loans | $724,687,400 | 756 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3496% | 2,793 |
| Cost of funding earning assets | 0.6576% | 2,104 |
| Net interest margin | 3.6921% | 3,052 |
| Noninterest income to average assets | 0.8056% | 1,456 |
| Noninterest expense to average assets | 2.9007% | 2,302 |
| Loan and lease loss provision to assets | 0.0739% | 2,476 |
| Net operating income to assets | 0.9930% | 3,115 |
| Return on assets (ROA) | 1.0087% | 3,061 |
| Pretax return on assets | 1.2478% | 2,818 |
| Return on Equity (ROE) | 10.4739% | 2,399 |
| Retained earnings to average equity (ytd only) | 10.4739% | 770 |
| Net charge-offs to loans | 0.0207% | 2,719 |
| Credit loss provision to net charge-offs | 495.4955% | 715 |
| Earnings coverage of net charge-offs (x) | 87.2951% | 836 |
| Efficiency ratio | 67.9042% | 2,554 |
| Assets per employee ($millions) | 4.4028% | 3,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5753% | 1,135 |
| Loan loss allowance to noncurrent loans | 520.7013% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.2249% | 3,815 |
| Noncurrent loans to loans | 0.3025% | 3,592 |
| Net loans and leases to total assets | 73.1809% | 2,133 |
| Net loans and leases to deposits | 91.7990% | 1,648 |
| Net loans and leases to core deposits | 117.1519% | 663 |
| Total domestic deposits to total assets | 79.7186% | 4,173 |
| Equity capital to assets | 9.3940% | 4,187 |
| Core capital (leverage) ratio | 8.6653% | 4,986 |
| Tier 1 risk-based capital ratio | 10.8601% | 5,095 |
| Total risk-based capital ratio | 12.1135% | 5,003 |
| Memoranda: | ||
| Average total assets | $992,022,500 | 771 |
| Average earning assets | $912,855,000 | 767 |
| Average equity | $95,537,000 | 881 |
| Average total loans | $714,485,750 | 764 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2696% | 2,875 |
| Cost of funding earning assets | 0.5901% | 2,293 |
| Net interest margin | 3.6795% | 3,012 |
| Noninterest income to average assets | 0.8015% | 1,473 |
| Noninterest expense to average assets | 2.8697% | 2,438 |
| Loan and lease loss provision to assets | 0.0720% | 2,447 |
| Net operating income to assets | 1.0057% | 2,989 |
| Return on assets (ROA) | 1.0287% | 2,904 |
| Pretax return on assets | 1.2688% | 2,635 |
| Return on Equity (ROE) | 10.5875% | 2,285 |
| Retained earnings to average equity (ytd only) | 10.5875% | 764 |
| Net charge-offs to loans | 0.0607% | 1,738 |
| Credit loss provision to net charge-offs | 166.6667% | 1,465 |
| Earnings coverage of net charge-offs (x) | 30.3714% | 1,493 |
| Efficiency ratio | 67.3145% | 2,759 |
| Assets per employee ($millions) | 4.0383% | 3,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6396% | 1,010 |
| Loan loss allowance to noncurrent loans | 500.8746% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.2427% | 3,795 |
| Noncurrent loans to loans | 0.3273% | 3,527 |
| Net loans and leases to total assets | 72.9186% | 2,133 |
| Net loans and leases to deposits | 89.5940% | 1,898 |
| Net loans and leases to core deposits | 112.3787% | 865 |
| Total domestic deposits to total assets | 81.3878% | 3,896 |
| Equity capital to assets | 9.7578% | 3,864 |
| Core capital (leverage) ratio | 8.8009% | 4,881 |
| Tier 1 risk-based capital ratio | 11.0007% | 5,052 |
| Total risk-based capital ratio | 12.2543% | 4,954 |
| Memoranda: | ||
| Average total assets | $971,938,330 | 789 |
| Average earning assets | $893,001,670 | 782 |
| Average equity | $94,432,330 | 889 |
| Average total loans | $691,851,330 | 796 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1889% | 2,917 |
| Cost of funding earning assets | 0.5372% | 2,496 |
| Net interest margin | 3.6517% | 2,980 |
| Noninterest income to average assets | 0.8160% | 1,399 |
| Noninterest expense to average assets | 2.7691% | 2,811 |
| Loan and lease loss provision to assets | 0.0623% | 2,531 |
| Net operating income to assets | 1.0843% | 2,502 |
| Return on assets (ROA) | 1.0843% | 2,520 |
| Pretax return on assets | 1.3326% | 2,238 |
| Return on Equity (ROE) | 11.1847% | 1,889 |
| Retained earnings to average equity (ytd only) | 11.1847% | 847 |
| Net charge-offs to loans | -0.0262% | 4,683 |
| Credit loss provision to net charge-offs | -340.9091% | 3,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6953% | 3,370 |
| Assets per employee ($millions) | 4.1250% | 3,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7810% | 817 |
| Loan loss allowance to noncurrent loans | 480.7004% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.2603% | 3,827 |
| Noncurrent loans to loans | 0.3705% | 3,456 |
| Net loans and leases to total assets | 69.0183% | 2,625 |
| Net loans and leases to deposits | 82.4707% | 2,553 |
| Net loans and leases to core deposits | 105.2901% | 1,290 |
| Total domestic deposits to total assets | 83.6884% | 3,438 |
| Equity capital to assets | 9.7822% | 3,807 |
| Core capital (leverage) ratio | 8.7393% | 4,961 |
| Tier 1 risk-based capital ratio | 11.2418% | 5,010 |
| Total risk-based capital ratio | 12.4965% | 4,900 |
| Memoranda: | ||
| Average total assets | $963,217,500 | 794 |
| Average earning assets | $883,100,500 | 797 |
| Average equity | $93,377,500 | 899 |
| Average total loans | $671,043,000 | 820 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0445% | 3,260 |
| Cost of funding earning assets | 0.4224% | 3,033 |
| Net interest margin | 3.6222% | 3,094 |
| Noninterest income to average assets | 0.9096% | 1,240 |
| Noninterest expense to average assets | 2.9115% | 2,412 |
| Loan and lease loss provision to assets | 0.0641% | 2,940 |
| Net operating income to assets | 0.6944% | 3,626 |
| Return on assets (ROA) | 0.7017% | 3,653 |
| Pretax return on assets | 1.2375% | 2,600 |
| Return on Equity (ROE) | 7.0827% | 3,227 |
| Retained earnings to average equity (ytd only) | 2.7706% | 3,650 |
| Net charge-offs to loans | -0.0142% | 4,869 |
| Credit loss provision to net charge-offs | -659.3407% | 4,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9573% | 3,083 |
| Assets per employee ($millions) | 4.0217% | 3,926 |
| Cash dividends to net income (ytd only)* | 60.8828% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7906% | 790 |
| Loan loss allowance to noncurrent loans | 557.2433% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2219% | 4,032 |
| Noncurrent loans to loans | 0.3213% | 3,620 |
| Net loans and leases to total assets | 67.8247% | 2,844 |
| Net loans and leases to deposits | 84.7222% | 2,410 |
| Net loans and leases to core deposits | 103.9672% | 1,417 |
| Total domestic deposits to total assets | 80.0553% | 4,322 |
| Equity capital to assets | 9.6061% | 4,137 |
| Core capital (leverage) ratio | 8.6921% | 4,959 |
| Tier 1 risk-based capital ratio | 11.1479% | 5,064 |
| Total risk-based capital ratio | 12.4028% | 4,940 |
| Memoranda: | ||
| Average total assets | $936,302,000 | 794 |
| Average earning assets | $850,948,400 | 808 |
| Average equity | $92,760,600 | 884 |
| Average total loans | $641,780,200 | 817 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9979% | 3,368 |
| Cost of funding earning assets | 0.4130% | 3,061 |
| Net interest margin | 3.5849% | 3,211 |
| Noninterest income to average assets | 0.8997% | 1,271 |
| Noninterest expense to average assets | 2.9039% | 2,393 |
| Loan and lease loss provision to assets | 0.0860% | 2,372 |
| Net operating income to assets | 0.8056% | 3,500 |
| Return on assets (ROA) | 0.8145% | 3,509 |
| Pretax return on assets | 1.1781% | 2,993 |
| Return on Equity (ROE) | 8.1576% | 3,043 |
| Retained earnings to average equity (ytd only) | 8.1576% | 1,160 |
| Net charge-offs to loans | 0.0065% | 3,500 |
| Credit loss provision to net charge-offs | 1,935.4839% | 207 |
| Earnings coverage of net charge-offs (x) | 281.5640% | 322 |
| Efficiency ratio | 67.5073% | 2,963 |
| Assets per employee ($millions) | 3.9803% | 4,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7729% | 899 |
| Loan loss allowance to noncurrent loans | 376.0870% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.3288% | 3,740 |
| Noncurrent loans to loans | 0.4714% | 3,278 |
| Net loans and leases to total assets | 68.5149% | 2,771 |
| Net loans and leases to deposits | 86.3065% | 2,260 |
| Net loans and leases to core deposits | 107.7977% | 1,147 |
| Total domestic deposits to total assets | 79.3855% | 4,463 |
| Equity capital to assets | 10.1124% | 3,787 |
| Core capital (leverage) ratio | 9.0631% | 4,671 |
| Tier 1 risk-based capital ratio | 11.4502% | 4,985 |
| Total risk-based capital ratio | 12.7049% | 4,876 |
| Memoranda: | ||
| Average total assets | $930,082,500 | 803 |
| Average earning assets | $844,598,500 | 819 |
| Average equity | $92,867,750 | 888 |
| Average total loans | $636,274,500 | 826 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9006% | 3,543 |
| Cost of funding earning assets | 0.3851% | 3,233 |
| Net interest margin | 3.5155% | 3,338 |
| Noninterest income to average assets | 0.8804% | 1,330 |
| Noninterest expense to average assets | 2.9573% | 2,244 |
| Loan and lease loss provision to assets | 0.0758% | 2,463 |
| Net operating income to assets | 0.7310% | 3,702 |
| Return on assets (ROA) | 0.7413% | 3,731 |
| Pretax return on assets | 1.0648% | 3,318 |
| Return on Equity (ROE) | 7.4566% | 3,306 |
| Retained earnings to average equity (ytd only) | 7.4566% | 1,370 |
| Net charge-offs to loans | 0.0427% | 2,339 |
| Credit loss provision to net charge-offs | 261.1940% | 1,051 |
| Earnings coverage of net charge-offs (x) | 38.7761% | 1,273 |
| Efficiency ratio | 69.9851% | 2,680 |
| Assets per employee ($millions) | 3.8503% | 4,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7956% | 896 |
| Loan loss allowance to noncurrent loans | 350.6761% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 3,732 |
| Noncurrent loans to loans | 0.5121% | 3,221 |
| Net loans and leases to total assets | 66.7019% | 3,004 |
| Net loans and leases to deposits | 86.7357% | 2,140 |
| Net loans and leases to core deposits | 104.3929% | 1,330 |
| Total domestic deposits to total assets | 76.9025% | 4,971 |
| Equity capital to assets | 10.0410% | 3,866 |
| Core capital (leverage) ratio | 9.0066% | 4,714 |
| Tier 1 risk-based capital ratio | 11.3226% | 5,075 |
| Total risk-based capital ratio | 12.5770% | 4,956 |
| Memoranda: | ||
| Average total assets | $923,014,000 | 813 |
| Average earning assets | $840,901,000 | 832 |
| Average equity | $91,757,670 | 897 |
| Average total loans | $627,186,670 | 840 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8389% | 3,626 |
| Cost of funding earning assets | 0.3568% | 3,458 |
| Net interest margin | 3.4821% | 3,341 |
| Noninterest income to average assets | 0.9394% | 1,141 |
| Noninterest expense to average assets | 2.8454% | 2,635 |
| Loan and lease loss provision to assets | 0.0655% | 2,491 |
| Net operating income to assets | 0.8243% | 3,103 |
| Return on assets (ROA) | 0.8365% | 3,104 |
| Pretax return on assets | 1.2231% | 2,500 |
| Return on Equity (ROE) | 8.4576% | 2,693 |
| Retained earnings to average equity (ytd only) | 8.4576% | 1,289 |
| Net charge-offs to loans | -0.1188% | 5,497 |
| Credit loss provision to net charge-offs | -81.0811% | 3,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6914% | 3,379 |
| Assets per employee ($millions) | 3.8156% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8831% | 810 |
| Loan loss allowance to noncurrent loans | 394.9983% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.3242% | 3,899 |
| Noncurrent loans to loans | 0.4767% | 3,382 |
| Net loans and leases to total assets | 66.7169% | 2,858 |
| Net loans and leases to deposits | 80.5048% | 2,685 |
| Net loans and leases to core deposits | 98.0220% | 1,655 |
| Total domestic deposits to total assets | 82.8732% | 3,893 |
| Equity capital to assets | 10.2105% | 3,501 |
| Core capital (leverage) ratio | 8.9650% | 4,781 |
| Tier 1 risk-based capital ratio | 11.5868% | 4,981 |
| Total risk-based capital ratio | 12.8423% | 4,877 |
| Memoranda: | ||
| Average total assets | $916,714,500 | 822 |
| Average earning assets | $836,286,000 | 836 |
| Average equity | $90,664,000 | 904 |
| Average total loans | $623,038,500 | 842 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8290% | 3,811 |
| Cost of funding earning assets | 0.3891% | 3,110 |
| Net interest margin | 3.4398% | 3,665 |
| Noninterest income to average assets | 0.9397% | 1,294 |
| Noninterest expense to average assets | 2.9184% | 2,609 |
| Loan and lease loss provision to assets | 0.1469% | 1,693 |
| Net operating income to assets | 0.6988% | 3,792 |
| Return on assets (ROA) | 0.7309% | 3,750 |
| Pretax return on assets | 1.0616% | 3,255 |
| Return on Equity (ROE) | 7.4464% | 3,241 |
| Retained earnings to average equity (ytd only) | 3.0107% | 3,759 |
| Net charge-offs to loans | -0.0346% | 5,295 |
| Credit loss provision to net charge-offs | -649.0385% | 5,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0685% | 3,060 |
| Assets per employee ($millions) | 3.9365% | 4,080 |
| Cash dividends to net income (ytd only)* | 59.5681% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7664% | 1,009 |
| Loan loss allowance to noncurrent loans | 287.5674% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.4173% | 3,599 |
| Noncurrent loans to loans | 0.6143% | 3,008 |
| Net loans and leases to total assets | 66.7325% | 2,968 |
| Net loans and leases to deposits | 86.0799% | 2,155 |
| Net loans and leases to core deposits | 102.8363% | 1,378 |
| Total domestic deposits to total assets | 77.5239% | 5,047 |
| Equity capital to assets | 9.5809% | 4,185 |
| Core capital (leverage) ratio | 8.5147% | 5,244 |
| Tier 1 risk-based capital ratio | 10.5589% | 5,545 |
| Total risk-based capital ratio | 11.8131% | 5,475 |
| Memoranda: | ||
| Average total assets | $918,688,400 | 782 |
| Average earning assets | $838,786,800 | 783 |
| Average equity | $90,178,000 | 885 |
| Average total loans | $600,351,000 | 835 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7760% | 3,999 |
| Cost of funding earning assets | 0.4019% | 3,004 |
| Net interest margin | 3.3741% | 3,945 |
| Noninterest income to average assets | 0.9371% | 1,286 |
| Noninterest expense to average assets | 2.8793% | 2,706 |
| Loan and lease loss provision to assets | 0.1530% | 1,528 |
| Net operating income to assets | 0.6892% | 3,910 |
| Return on assets (ROA) | 0.7323% | 3,818 |
| Pretax return on assets | 1.0631% | 3,382 |
| Return on Equity (ROE) | 7.4147% | 3,347 |
| Retained earnings to average equity (ytd only) | 7.4147% | 1,435 |
| Net charge-offs to loans | -0.0464% | 5,345 |
| Credit loss provision to net charge-offs | -509.7087% | 5,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8992% | 3,060 |
| Assets per employee ($millions) | 4.0970% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7093% | 1,200 |
| Loan loss allowance to noncurrent loans | 575.1320% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.1993% | 4,634 |
| Noncurrent loans to loans | 0.2972% | 4,190 |
| Net loans and leases to total assets | 65.8993% | 3,137 |
| Net loans and leases to deposits | 89.5323% | 1,819 |
| Net loans and leases to core deposits | 107.1716% | 1,102 |
| Total domestic deposits to total assets | 73.6039% | 5,468 |
| Equity capital to assets | 9.8230% | 4,334 |
| Core capital (leverage) ratio | 8.7584% | 5,091 |
| Tier 1 risk-based capital ratio | 10.7214% | 5,514 |
| Total risk-based capital ratio | 11.9747% | 5,421 |
| Memoranda: | ||
| Average total assets | $915,122,500 | 787 |
| Average earning assets | $839,660,000 | 783 |
| Average equity | $90,376,250 | 893 |
| Average total loans | $591,994,500 | 842 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7155% | 4,247 |
| Cost of funding earning assets | 0.3984% | 3,058 |
| Net interest margin | 3.3171% | 4,169 |
| Noninterest income to average assets | 0.9126% | 1,337 |
| Noninterest expense to average assets | 2.8322% | 2,911 |
| Loan and lease loss provision to assets | 0.1871% | 1,162 |
| Net operating income to assets | 0.6440% | 4,077 |
| Return on assets (ROA) | 0.6833% | 4,026 |
| Pretax return on assets | 0.9937% | 3,615 |
| Return on Equity (ROE) | 6.9054% | 3,600 |
| Retained earnings to average equity (ytd only) | 6.9054% | 1,654 |
| Net charge-offs to loans | -0.0607% | 5,447 |
| Credit loss provision to net charge-offs | -482.8571% | 4,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0172% | 3,146 |
| Assets per employee ($millions) | 3.8630% | 4,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7774% | 1,120 |
| Loan loss allowance to noncurrent loans | 429.7177% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2686% | 4,420 |
| Noncurrent loans to loans | 0.4136% | 3,874 |
| Net loans and leases to total assets | 63.7904% | 3,396 |
| Net loans and leases to deposits | 85.2521% | 2,329 |
| Net loans and leases to core deposits | 99.9834% | 1,633 |
| Total domestic deposits to total assets | 74.8256% | 5,435 |
| Equity capital to assets | 9.8854% | 4,354 |
| Core capital (leverage) ratio | 8.7252% | 5,140 |
| Tier 1 risk-based capital ratio | 11.0182% | 5,416 |
| Total risk-based capital ratio | 12.2722% | 5,331 |
| Memoranda: | ||
| Average total assets | $903,327,670 | 802 |
| Average earning assets | $828,796,670 | 797 |
| Average equity | $89,379,000 | 901 |
| Average total loans | $576,902,670 | 861 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6966% | 4,337 |
| Cost of funding earning assets | 0.3946% | 3,145 |
| Net interest margin | 3.3019% | 4,212 |
| Noninterest income to average assets | 0.9335% | 1,225 |
| Noninterest expense to average assets | 2.8673% | 2,824 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7525% | 3,472 |
| Return on assets (ROA) | 0.7710% | 3,496 |
| Pretax return on assets | 1.1162% | 3,032 |
| Return on Equity (ROE) | 7.7888% | 3,039 |
| Retained earnings to average equity (ytd only) | 7.7888% | 1,547 |
| Net charge-offs to loans | -0.0092% | 4,490 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8653% | 3,156 |
| Assets per employee ($millions) | 3.7945% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7189% | 1,315 |
| Loan loss allowance to noncurrent loans | 333.9100% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 4,276 |
| Noncurrent loans to loans | 0.5148% | 3,640 |
| Net loans and leases to total assets | 61.6123% | 3,581 |
| Net loans and leases to deposits | 77.6731% | 3,036 |
| Net loans and leases to core deposits | 91.0219% | 2,277 |
| Total domestic deposits to total assets | 79.3226% | 4,894 |
| Equity capital to assets | 10.0017% | 4,083 |
| Core capital (leverage) ratio | 8.7641% | 5,104 |
| Tier 1 risk-based capital ratio | 11.1136% | 5,445 |
| Total risk-based capital ratio | 12.3662% | 5,350 |
| Memoranda: | ||
| Average total assets | $893,368,500 | 813 |
| Average earning assets | $817,948,000 | 815 |
| Average equity | $88,435,000 | 906 |
| Average total loans | $565,554,500 | 871 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7748% | 4,118 |
| Cost of funding earning assets | 0.4184% | 2,961 |
| Net interest margin | 3.3564% | 4,090 |
| Noninterest income to average assets | 0.9927% | 1,193 |
| Noninterest expense to average assets | 3.0658% | 2,334 |
| Loan and lease loss provision to assets | 0.0474% | 3,381 |
| Net operating income to assets | 0.6496% | 4,036 |
| Return on assets (ROA) | 0.6942% | 3,949 |
| Pretax return on assets | 0.9913% | 3,508 |
| Return on Equity (ROE) | 6.9245% | 3,547 |
| Retained earnings to average equity (ytd only) | 2.3584% | 4,378 |
| Net charge-offs to loans | -0.0594% | 5,610 |
| Credit loss provision to net charge-offs | -126.6055% | 5,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2667% | 2,699 |
| Assets per employee ($millions) | 3.7764% | 4,334 |
| Cash dividends to net income (ytd only)* | 65.9413% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6915% | 1,371 |
| Loan loss allowance to noncurrent loans | 640.3322% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 4,927 |
| Noncurrent loans to loans | 0.2642% | 4,502 |
| Net loans and leases to total assets | 62.8434% | 3,442 |
| Net loans and leases to deposits | 74.5822% | 3,429 |
| Net loans and leases to core deposits | 88.8635% | 2,514 |
| Total domestic deposits to total assets | 84.2606% | 3,382 |
| Equity capital to assets | 9.7959% | 4,194 |
| Core capital (leverage) ratio | 8.6663% | 5,253 |
| Tier 1 risk-based capital ratio | 10.9303% | 5,556 |
| Total risk-based capital ratio | 12.1839% | 5,466 |
| Memoranda: | ||
| Average total assets | $873,804,000 | 786 |
| Average earning assets | $793,519,600 | 792 |
| Average equity | $87,602,600 | 870 |
| Average total loans | $550,619,400 | 851 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7665% | 4,193 |
| Cost of funding earning assets | 0.4293% | 2,912 |
| Net interest margin | 3.3372% | 4,190 |
| Noninterest income to average assets | 0.9394% | 1,347 |
| Noninterest expense to average assets | 3.0895% | 2,248 |
| Loan and lease loss provision to assets | 0.0482% | 3,241 |
| Net operating income to assets | 0.6115% | 4,327 |
| Return on assets (ROA) | 0.6605% | 4,194 |
| Pretax return on assets | 0.8937% | 4,000 |
| Return on Equity (ROE) | 6.5496% | 3,875 |
| Retained earnings to average equity (ytd only) | 6.5496% | 1,926 |
| Net charge-offs to loans | -0.0774% | 5,695 |
| Credit loss provision to net charge-offs | -99.0536% | 5,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2485% | 2,361 |
| Assets per employee ($millions) | 3.8744% | 4,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7053% | 1,456 |
| Loan loss allowance to noncurrent loans | 631.7639% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 5,073 |
| Noncurrent loans to loans | 0.2699% | 4,612 |
| Net loans and leases to total assets | 62.1658% | 3,579 |
| Net loans and leases to deposits | 73.2051% | 3,629 |
| Net loans and leases to core deposits | 86.2640% | 2,824 |
| Total domestic deposits to total assets | 84.9201% | 3,046 |
| Equity capital to assets | 10.1682% | 3,975 |
| Core capital (leverage) ratio | 9.1327% | 4,834 |
| Tier 1 risk-based capital ratio | 11.4607% | 5,394 |
| Total risk-based capital ratio | 12.7145% | 5,315 |
| Memoranda: | ||
| Average total assets | $869,447,250 | 798 |
| Average earning assets | $788,308,250 | 804 |
| Average equity | $87,677,250 | 876 |
| Average total loans | $545,845,000 | 864 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7448% | 4,255 |
| Cost of funding earning assets | 0.4437% | 2,794 |
| Net interest margin | 3.3011% | 4,297 |
| Noninterest income to average assets | 0.9075% | 1,421 |
| Noninterest expense to average assets | 3.0404% | 2,424 |
| Loan and lease loss provision to assets | 0.0495% | 3,128 |
| Net operating income to assets | 0.6010% | 4,340 |
| Return on assets (ROA) | 0.6672% | 4,148 |
| Pretax return on assets | 0.9026% | 3,945 |
| Return on Equity (ROE) | 6.6351% | 3,816 |
| Retained earnings to average equity (ytd only) | 6.6351% | 1,882 |
| Net charge-offs to loans | -0.1115% | 5,828 |
| Credit loss provision to net charge-offs | -70.8609% | 4,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1792% | 2,515 |
| Assets per employee ($millions) | 3.4703% | 4,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6855% | 1,637 |
| Loan loss allowance to noncurrent loans | 574.9542% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.1941% | 5,087 |
| Noncurrent loans to loans | 0.2931% | 4,632 |
| Net loans and leases to total assets | 65.1025% | 3,108 |
| Net loans and leases to deposits | 77.7279% | 3,065 |
| Net loans and leases to core deposits | 90.8624% | 2,257 |
| Total domestic deposits to total assets | 83.7569% | 3,664 |
| Equity capital to assets | 10.4583% | 3,486 |
| Core capital (leverage) ratio | 8.9422% | 5,036 |
| Tier 1 risk-based capital ratio | 11.3963% | 5,526 |
| Total risk-based capital ratio | 12.6501% | 5,455 |
| Memoranda: | ||
| Average total assets | $864,807,000 | 805 |
| Average earning assets | $784,762,330 | 816 |
| Average equity | $86,962,000 | 889 |
| Average total loans | $541,566,670 | 869 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6250% | 4,611 |
| Cost of funding earning assets | 0.4558% | 2,712 |
| Net interest margin | 3.1692% | 4,718 |
| Noninterest income to average assets | 0.9036% | 1,373 |
| Noninterest expense to average assets | 3.0878% | 2,306 |
| Loan and lease loss provision to assets | 0.0585% | 2,765 |
| Net operating income to assets | 0.4803% | 4,765 |
| Return on assets (ROA) | 0.5500% | 4,594 |
| Pretax return on assets | 0.7268% | 4,516 |
| Return on Equity (ROE) | 5.5776% | 4,243 |
| Retained earnings to average equity (ytd only) | 5.5776% | 2,736 |
| Net charge-offs to loans | -0.1290% | 5,938 |
| Credit loss provision to net charge-offs | -74.4186% | 4,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8812% | 2,064 |
| Assets per employee ($millions) | 3.5985% | 4,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7216% | 1,683 |
| Loan loss allowance to noncurrent loans | 491.0304% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 5,076 |
| Noncurrent loans to loans | 0.3506% | 4,540 |
| Net loans and leases to total assets | 61.0445% | 3,521 |
| Net loans and leases to deposits | 72.5888% | 3,481 |
| Net loans and leases to core deposits | 84.3126% | 2,733 |
| Total domestic deposits to total assets | 84.0963% | 3,787 |
| Equity capital to assets | 10.1523% | 3,941 |
| Core capital (leverage) ratio | 8.5429% | 5,482 |
| Tier 1 risk-based capital ratio | 11.2986% | 5,660 |
| Total risk-based capital ratio | 12.5506% | 5,568 |
| Memoranda: | ||
| Average total assets | $875,563,000 | 805 |
| Average earning assets | $795,025,000 | 799 |
| Average equity | $86,346,000 | 890 |
| Average total loans | $533,141,000 | 885 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8677% | 4,255 |
| Cost of funding earning assets | 0.5635% | 2,111 |
| Net interest margin | 3.3042% | 4,542 |
| Noninterest income to average assets | 0.9334% | 1,405 |
| Noninterest expense to average assets | 2.9578% | 2,974 |
| Loan and lease loss provision to assets | 0.0559% | 3,431 |
| Net operating income to assets | 0.6701% | 4,037 |
| Return on assets (ROA) | 0.7160% | 3,923 |
| Pretax return on assets | 0.9639% | 3,630 |
| Return on Equity (ROE) | 7.3216% | 3,461 |
| Retained earnings to average equity (ytd only) | 2.6101% | 4,385 |
| Net charge-offs to loans | 0.1068% | 2,983 |
| Credit loss provision to net charge-offs | 86.7621% | 2,715 |
| Earnings coverage of net charge-offs (x) | 14.8730% | 2,122 |
| Efficiency ratio | 72.8840% | 3,057 |
| Assets per employee ($millions) | 3.6223% | 4,683 |
| Cash dividends to net income (ytd only)* | 64.3501% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6721% | 1,854 |
| Loan loss allowance to noncurrent loans | 630.5457% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 5,391 |
| Noncurrent loans to loans | 0.2652% | 4,891 |
| Net loans and leases to total assets | 58.7127% | 3,961 |
| Net loans and leases to deposits | 70.6269% | 3,825 |
| Net loans and leases to core deposits | 82.7368% | 3,028 |
| Total domestic deposits to total assets | 83.1307% | 4,030 |
| Equity capital to assets | 9.5813% | 4,615 |
| Core capital (leverage) ratio | 8.1094% | 5,923 |
| Tier 1 risk-based capital ratio | 10.7288% | 6,016 |
| Total risk-based capital ratio | 11.9803% | 5,953 |
| Memoranda: | ||
| Average total assets | $868,113,800 | 772 |
| Average earning assets | $783,482,800 | 780 |
| Average equity | $84,899,800 | 871 |
| Average total loans | $523,305,600 | 847 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9102% | 4,134 |
| Cost of funding earning assets | 0.5830% | 1,996 |
| Net interest margin | 3.3272% | 4,520 |
| Noninterest income to average assets | 0.9127% | 1,487 |
| Noninterest expense to average assets | 2.9886% | 2,841 |
| Loan and lease loss provision to assets | 0.0750% | 2,845 |
| Net operating income to assets | 0.6381% | 4,266 |
| Return on assets (ROA) | 0.6931% | 4,071 |
| Pretax return on assets | 0.9241% | 3,890 |
| Return on Equity (ROE) | 7.0502% | 3,690 |
| Retained earnings to average equity (ytd only) | 7.0502% | 1,795 |
| Net charge-offs to loans | 0.0466% | 3,565 |
| Credit loss provision to net charge-offs | 266.4835% | 1,002 |
| Earnings coverage of net charge-offs (x) | 32.9012% | 1,292 |
| Efficiency ratio | 73.6867% | 2,866 |
| Assets per employee ($millions) | 3.4448% | 4,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7577% | 1,799 |
| Loan loss allowance to noncurrent loans | 477.0576% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.2266% | 5,310 |
| Noncurrent loans to loans | 0.3684% | 4,809 |
| Net loans and leases to total assets | 60.4299% | 3,713 |
| Net loans and leases to deposits | 74.5957% | 3,357 |
| Net loans and leases to core deposits | 86.7987% | 2,573 |
| Total domestic deposits to total assets | 81.0099% | 4,821 |
| Equity capital to assets | 10.2324% | 3,885 |
| Core capital (leverage) ratio | 8.6291% | 5,526 |
| Tier 1 risk-based capital ratio | 11.6442% | 5,707 |
| Total risk-based capital ratio | 12.8974% | 5,624 |
| Memoranda: | ||
| Average total assets | $862,373,500 | 779 |
| Average earning assets | $778,004,500 | 790 |
| Average equity | $84,780,500 | 870 |
| Average total loans | $521,114,250 | 853 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8874% | 4,186 |
| Cost of funding earning assets | 0.5868% | 2,014 |
| Net interest margin | 3.3007% | 4,585 |
| Noninterest income to average assets | 0.8621% | 1,618 |
| Noninterest expense to average assets | 2.9728% | 2,928 |
| Loan and lease loss provision to assets | 0.1123% | 2,154 |
| Net operating income to assets | 0.5707% | 4,495 |
| Return on assets (ROA) | 0.6075% | 4,418 |
| Pretax return on assets | 0.7985% | 4,269 |
| Return on Equity (ROE) | 6.2637% | 4,017 |
| Retained earnings to average equity (ytd only) | 6.2637% | 2,176 |
| Net charge-offs to loans | 0.1249% | 2,423 |
| Credit loss provision to net charge-offs | 149.6914% | 1,460 |
| Earnings coverage of net charge-offs (x) | 11.4969% | 2,155 |
| Efficiency ratio | 74.8280% | 2,834 |
| Assets per employee ($millions) | 3.3886% | 5,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7051% | 2,118 |
| Loan loss allowance to noncurrent loans | 446.7710% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.2413% | 5,377 |
| Noncurrent loans to loans | 0.3817% | 4,849 |
| Net loans and leases to total assets | 62.1406% | 3,379 |
| Net loans and leases to deposits | 77.8736% | 2,816 |
| Net loans and leases to core deposits | 88.8794% | 2,223 |
| Total domestic deposits to total assets | 79.7968% | 5,289 |
| Equity capital to assets | 10.1455% | 3,907 |
| Core capital (leverage) ratio | 8.3781% | 5,763 |
| Tier 1 risk-based capital ratio | 11.1283% | 5,999 |
| Total risk-based capital ratio | 12.3810% | 5,927 |
| Memoranda: | ||
| Average total assets | $863,910,000 | 775 |
| Average earning assets | $778,149,330 | 791 |
| Average equity | $83,784,000 | 876 |
| Average total loans | $518,945,670 | 850 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6813% | 4,912 |
| Cost of funding earning assets | 0.5841% | 2,128 |
| Net interest margin | 3.0972% | 5,263 |
| Noninterest income to average assets | 0.8057% | 1,727 |
| Noninterest expense to average assets | 3.0563% | 2,671 |
| Loan and lease loss provision to assets | 0.1880% | 1,269 |
| Net operating income to assets | 0.3050% | 5,473 |
| Return on assets (ROA) | 0.3302% | 5,443 |
| Pretax return on assets | 0.3815% | 5,510 |
| Return on Equity (ROE) | 3.4824% | 5,281 |
| Retained earnings to average equity (ytd only) | 3.4824% | 4,047 |
| Net charge-offs to loans | 0.4716% | 770 |
| Credit loss provision to net charge-offs | 68.1063% | 2,024 |
| Earnings coverage of net charge-offs (x) | 1.9585% | 2,976 |
| Efficiency ratio | 82.2285% | 1,897 |
| Assets per employee ($millions) | 3.6362% | 4,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7191% | 2,290 |
| Loan loss allowance to noncurrent loans | 299.2161% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.3390% | 5,127 |
| Noncurrent loans to loans | 0.5745% | 4,443 |
| Net loans and leases to total assets | 57.9966% | 3,838 |
| Net loans and leases to deposits | 72.6322% | 3,257 |
| Net loans and leases to core deposits | 80.9954% | 2,851 |
| Total domestic deposits to total assets | 79.8497% | 5,515 |
| Equity capital to assets | 9.6271% | 4,319 |
| Core capital (leverage) ratio | 7.9625% | 6,142 |
| Tier 1 risk-based capital ratio | 10.6514% | 6,289 |
| Total risk-based capital ratio | 11.9032% | 6,252 |
| Memoranda: | ||
| Average total assets | $872,284,500 | 780 |
| Average earning assets | $786,126,000 | 788 |
| Average equity | $82,701,500 | 886 |
| Average total loans | $510,637,000 | 863 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6913% | 5,161 |
| Cost of funding earning assets | 0.6286% | 2,402 |
| Net interest margin | 3.0627% | 5,428 |
| Noninterest income to average assets | 0.8277% | 1,948 |
| Noninterest expense to average assets | 2.8170% | 3,668 |
| Loan and lease loss provision to assets | 0.1449% | 2,493 |
| Net operating income to assets | 0.4451% | 4,976 |
| Return on assets (ROA) | 0.5641% | 4,553 |
| Pretax return on assets | 0.7963% | 4,158 |
| Return on Equity (ROE) | 6.1168% | 4,023 |
| Retained earnings to average equity (ytd only) | 6.1168% | 1,903 |
| Net charge-offs to loans | 0.1315% | 3,493 |
| Credit loss provision to net charge-offs | 202.7027% | 1,130 |
| Earnings coverage of net charge-offs (x) | 10.8251% | 2,313 |
| Efficiency ratio | 75.8188% | 2,805 |
| Assets per employee ($millions) | 3.7411% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7570% | 2,208 |
| Loan loss allowance to noncurrent loans | 234.4134% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.4353% | 4,948 |
| Noncurrent loans to loans | 0.7495% | 4,091 |
| Net loans and leases to total assets | 57.0563% | 4,186 |
| Net loans and leases to deposits | 69.6203% | 3,827 |
| Net loans and leases to core deposits | 77.7971% | 3,393 |
| Total domestic deposits to total assets | 81.9535% | 4,892 |
| Equity capital to assets | 9.3372% | 4,644 |
| Core capital (leverage) ratio | 8.0014% | 6,134 |
| Tier 1 risk-based capital ratio | 10.8735% | 6,236 |
| Total risk-based capital ratio | 12.1256% | 6,176 |
| Memoranda: | ||
| Average total assets | $880,140,800 | 748 |
| Average earning assets | $793,994,200 | 760 |
| Average equity | $81,169,600 | 882 |
| Average total loans | $478,169,200 | 889 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6388% | 5,334 |
| Cost of funding earning assets | 0.6337% | 2,511 |
| Net interest margin | 3.0051% | 5,581 |
| Noninterest income to average assets | 0.8289% | 2,010 |
| Noninterest expense to average assets | 2.8202% | 3,597 |
| Loan and lease loss provision to assets | 0.1514% | 2,376 |
| Net operating income to assets | 0.4419% | 5,060 |
| Return on assets (ROA) | 0.5396% | 4,769 |
| Pretax return on assets | 0.6988% | 4,694 |
| Return on Equity (ROE) | 5.8692% | 4,255 |
| Retained earnings to average equity (ytd only) | 5.8692% | 2,497 |
| Net charge-offs to loans | 0.0825% | 3,768 |
| Credit loss provision to net charge-offs | 343.6426% | 754 |
| Earnings coverage of net charge-offs (x) | 16.4124% | 1,807 |
| Efficiency ratio | 76.9168% | 2,574 |
| Assets per employee ($millions) | 3.7617% | 4,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7958% | 2,313 |
| Loan loss allowance to noncurrent loans | 217.4771% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.5455% | 4,807 |
| Noncurrent loans to loans | 0.8258% | 4,185 |
| Net loans and leases to total assets | 55.4123% | 4,404 |
| Net loans and leases to deposits | 70.3727% | 3,734 |
| Net loans and leases to core deposits | 80.8998% | 3,016 |
| Total domestic deposits to total assets | 78.7412% | 5,798 |
| Equity capital to assets | 9.0929% | 5,071 |
| Core capital (leverage) ratio | 7.7418% | 6,360 |
| Tier 1 risk-based capital ratio | 10.4307% | 6,479 |
| Total risk-based capital ratio | 11.6825% | 6,440 |
| Memoranda: | ||
| Average total assets | $880,386,250 | 755 |
| Average earning assets | $795,297,250 | 762 |
| Average equity | $80,939,750 | 893 |
| Average total loans | $470,064,750 | 904 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6090% | 5,407 |
| Cost of funding earning assets | 0.6418% | 2,576 |
| Net interest margin | 2.9671% | 5,654 |
| Noninterest income to average assets | 0.8405% | 2,029 |
| Noninterest expense to average assets | 2.7826% | 3,737 |
| Loan and lease loss provision to assets | 0.1768% | 2,147 |
| Net operating income to assets | 0.4389% | 5,065 |
| Return on assets (ROA) | 0.5384% | 4,789 |
| Pretax return on assets | 0.6917% | 4,705 |
| Return on Equity (ROE) | 5.8345% | 4,262 |
| Retained earnings to average equity (ytd only) | 5.8345% | 2,532 |
| Net charge-offs to loans | 0.0466% | 4,028 |
| Credit loss provision to net charge-offs | 724.2991% | 415 |
| Earnings coverage of net charge-offs (x) | 30.3551% | 1,139 |
| Efficiency ratio | 76.2706% | 2,740 |
| Assets per employee ($millions) | 3.6448% | 4,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8530% | 2,254 |
| Loan loss allowance to noncurrent loans | 193.5644% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.6122% | 4,714 |
| Noncurrent loans to loans | 0.9573% | 4,016 |
| Net loans and leases to total assets | 54.4518% | 4,525 |
| Net loans and leases to deposits | 69.3056% | 3,813 |
| Net loans and leases to core deposits | 77.7893% | 3,323 |
| Total domestic deposits to total assets | 78.5677% | 5,872 |
| Equity capital to assets | 9.1502% | 5,045 |
| Core capital (leverage) ratio | 7.6774% | 6,378 |
| Tier 1 risk-based capital ratio | 10.4419% | 6,526 |
| Total risk-based capital ratio | 11.6941% | 6,494 |
| Memoranda: | ||
| Average total assets | $876,672,000 | 756 |
| Average earning assets | $792,749,670 | 769 |
| Average equity | $80,897,670 | 897 |
| Average total loans | $459,069,330 | 923 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5029% | 5,694 |
| Cost of funding earning assets | 0.6509% | 2,653 |
| Net interest margin | 2.8520% | 5,911 |
| Noninterest income to average assets | 0.9699% | 1,558 |
| Noninterest expense to average assets | 2.8459% | 3,557 |
| Loan and lease loss provision to assets | 0.1253% | 2,666 |
| Net operating income to assets | 0.4451% | 4,932 |
| Return on assets (ROA) | 0.5205% | 4,711 |
| Pretax return on assets | 0.6695% | 4,706 |
| Return on Equity (ROE) | 5.6170% | 4,255 |
| Retained earnings to average equity (ytd only) | 5.6170% | 2,888 |
| Net charge-offs to loans | 0.0045% | 4,076 |
| Credit loss provision to net charge-offs | 5,500.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 306.4000% | 124 |
| Efficiency ratio | 77.6235% | 2,671 |
| Assets per employee ($millions) | 3.7200% | 4,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9223% | 2,240 |
| Loan loss allowance to noncurrent loans | 178.9879% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.6305% | 4,804 |
| Noncurrent loans to loans | 1.0740% | 4,003 |
| Net loans and leases to total assets | 50.1625% | 4,974 |
| Net loans and leases to deposits | 61.4783% | 4,618 |
| Net loans and leases to core deposits | 68.8848% | 4,195 |
| Total domestic deposits to total assets | 81.5938% | 5,326 |
| Equity capital to assets | 9.3738% | 5,028 |
| Core capital (leverage) ratio | 7.4879% | 6,477 |
| Tier 1 risk-based capital ratio | 10.6865% | 6,529 |
| Total risk-based capital ratio | 11.9387% | 6,490 |
| Memoranda: | ||
| Average total assets | $877,626,500 | 761 |
| Average earning assets | $792,133,000 | 774 |
| Average equity | $81,325,000 | 903 |
| Average total loans | $445,945,500 | 963 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8472% | 5,715 |
| Cost of funding earning assets | 0.7686% | 2,931 |
| Net interest margin | 3.0786% | 5,864 |
| Noninterest income to average assets | 0.8781% | 1,937 |
| Noninterest expense to average assets | 2.8740% | 3,747 |
| Loan and lease loss provision to assets | 0.1204% | 4,115 |
| Net operating income to assets | 0.5663% | 4,396 |
| Return on assets (ROA) | 0.6463% | 4,269 |
| Pretax return on assets | 0.7214% | 4,588 |
| Return on Equity (ROE) | 7.1425% | 3,559 |
| Retained earnings to average equity (ytd only) | 7.1425% | 1,501 |
| Net charge-offs to loans | 0.2333% | 3,538 |
| Credit loss provision to net charge-offs | 103.3099% | 2,902 |
| Earnings coverage of net charge-offs (x) | 6.4584% | 2,810 |
| Efficiency ratio | 76.5476% | 2,655 |
| Assets per employee ($millions) | 3.7019% | 4,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8717% | 2,378 |
| Loan loss allowance to noncurrent loans | 175.2263% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.6199% | 4,923 |
| Noncurrent loans to loans | 1.0682% | 4,066 |
| Net loans and leases to total assets | 49.5374% | 5,228 |
| Net loans and leases to deposits | 60.5387% | 4,968 |
| Net loans and leases to core deposits | 65.9794% | 4,739 |
| Total domestic deposits to total assets | 81.8277% | 5,153 |
| Equity capital to assets | 9.1599% | 5,325 |
| Core capital (leverage) ratio | 7.5145% | 6,498 |
| Tier 1 risk-based capital ratio | 10.9931% | 6,348 |
| Total risk-based capital ratio | 12.2456% | 6,311 |
| Memoranda: | ||
| Average total assets | $855,137,200 | 764 |
| Average earning assets | $763,570,200 | 783 |
| Average equity | $77,381,400 | 910 |
| Average total loans | $427,269,800 | 978 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8876% | 5,817 |
| Cost of funding earning assets | 0.7902% | 3,024 |
| Net interest margin | 3.0974% | 5,945 |
| Noninterest income to average assets | 0.8702% | 1,940 |
| Noninterest expense to average assets | 2.9377% | 3,453 |
| Loan and lease loss provision to assets | 0.1147% | 4,132 |
| Net operating income to assets | 0.4685% | 4,960 |
| Return on assets (ROA) | 0.5331% | 4,963 |
| Pretax return on assets | 0.6605% | 4,979 |
| Return on Equity (ROE) | 5.9097% | 4,372 |
| Retained earnings to average equity (ytd only) | 5.9097% | 2,756 |
| Net charge-offs to loans | 0.2384% | 3,291 |
| Credit loss provision to net charge-offs | 96.5608% | 3,094 |
| Earnings coverage of net charge-offs (x) | 5.8558% | 2,912 |
| Efficiency ratio | 78.1458% | 2,381 |
| Assets per employee ($millions) | 3.5673% | 4,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8839% | 2,534 |
| Loan loss allowance to noncurrent loans | 173.2914% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.6375% | 5,082 |
| Noncurrent loans to loans | 1.0871% | 4,265 |
| Net loans and leases to total assets | 50.0744% | 5,306 |
| Net loans and leases to deposits | 63.2028% | 4,814 |
| Net loans and leases to core deposits | 68.7077% | 4,649 |
| Total domestic deposits to total assets | 79.2281% | 5,817 |
| Equity capital to assets | 9.1893% | 5,604 |
| Core capital (leverage) ratio | 7.4049% | 6,664 |
| Tier 1 risk-based capital ratio | 10.7969% | 6,565 |
| Total risk-based capital ratio | 12.0497% | 6,539 |
| Memoranda: | ||
| Average total assets | $848,658,000 | 780 |
| Average earning assets | $757,048,250 | 794 |
| Average equity | $76,550,750 | 920 |
| Average total loans | $422,893,250 | 992 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8555% | 6,023 |
| Cost of funding earning assets | 0.8029% | 3,164 |
| Net interest margin | 3.0525% | 6,118 |
| Noninterest income to average assets | 0.8606% | 1,929 |
| Noninterest expense to average assets | 2.8945% | 3,643 |
| Loan and lease loss provision to assets | 0.1018% | 4,252 |
| Net operating income to assets | 0.4784% | 4,914 |
| Return on assets (ROA) | 0.5733% | 4,756 |
| Pretax return on assets | 0.7184% | 4,774 |
| Return on Equity (ROE) | 6.3961% | 4,102 |
| Retained earnings to average equity (ytd only) | 6.3961% | 2,445 |
| Net charge-offs to loans | 0.1786% | 3,526 |
| Credit loss provision to net charge-offs | 115.2815% | 2,381 |
| Earnings coverage of net charge-offs (x) | 7.9464% | 2,387 |
| Efficiency ratio | 77.7332% | 2,494 |
| Assets per employee ($millions) | 3.5402% | 4,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9231% | 2,468 |
| Loan loss allowance to noncurrent loans | 145.7831% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.7578% | 4,901 |
| Noncurrent loans to loans | 1.3192% | 3,940 |
| Net loans and leases to total assets | 50.1136% | 5,339 |
| Net loans and leases to deposits | 65.1090% | 4,628 |
| Net loans and leases to core deposits | 70.7515% | 4,443 |
| Total domestic deposits to total assets | 76.9687% | 6,325 |
| Equity capital to assets | 9.0701% | 5,622 |
| Core capital (leverage) ratio | 7.3367% | 6,694 |
| Tier 1 risk-based capital ratio | 10.7142% | 6,611 |
| Total risk-based capital ratio | 11.9654% | 6,596 |
| Memoranda: | ||
| Average total assets | $844,968,330 | 786 |
| Average earning assets | $757,208,670 | 795 |
| Average equity | $75,733,330 | 922 |
| Average total loans | $417,601,330 | 1,003 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7884% | 6,270 |
| Cost of funding earning assets | 0.8205% | 3,311 |
| Net interest margin | 2.9679% | 6,362 |
| Noninterest income to average assets | 0.9062% | 1,720 |
| Noninterest expense to average assets | 3.0011% | 3,245 |
| Loan and lease loss provision to assets | 0.0570% | 4,695 |
| Net operating income to assets | 0.4087% | 5,218 |
| Return on assets (ROA) | 0.4524% | 5,215 |
| Pretax return on assets | 0.5625% | 5,230 |
| Return on Equity (ROE) | 5.0781% | 4,752 |
| Retained earnings to average equity (ytd only) | 5.0781% | 3,509 |
| Net charge-offs to loans | 0.2902% | 2,509 |
| Credit loss provision to net charge-offs | 40.4040% | 3,444 |
| Earnings coverage of net charge-offs (x) | 4.0067% | 2,693 |
| Efficiency ratio | 81.3632% | 2,027 |
| Assets per employee ($millions) | 3.5614% | 4,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9765% | 2,432 |
| Loan loss allowance to noncurrent loans | 121.1375% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.8804% | 4,767 |
| Noncurrent loans to loans | 1.6316% | 3,664 |
| Net loans and leases to total assets | 47.0856% | 5,675 |
| Net loans and leases to deposits | 61.8723% | 4,939 |
| Net loans and leases to core deposits | 67.4363% | 4,741 |
| Total domestic deposits to total assets | 76.1011% | 6,531 |
| Equity capital to assets | 8.8504% | 5,693 |
| Core capital (leverage) ratio | 7.0708% | 6,814 |
| Tier 1 risk-based capital ratio | 10.6778% | 6,682 |
| Total risk-based capital ratio | 11.9308% | 6,658 |
| Memoranda: | ||
| Average total assets | $842,623,500 | 792 |
| Average earning assets | $755,144,000 | 798 |
| Average equity | $75,067,500 | 925 |
| Average total loans | $409,330,500 | 1,024 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1913% | 6,078 |
| Cost of funding earning assets | 0.9966% | 3,405 |
| Net interest margin | 3.1947% | 6,111 |
| Noninterest income to average assets | 1.2884% | 776 |
| Noninterest expense to average assets | 3.1877% | 2,909 |
| Loan and lease loss provision to assets | 0.0749% | 5,676 |
| Net operating income to assets | 0.7253% | 3,357 |
| Return on assets (ROA) | 0.8360% | 3,051 |
| Pretax return on assets | 1.0124% | 3,198 |
| Return on Equity (ROE) | 8.4755% | 2,681 |
| Retained earnings to average equity (ytd only) | -16.8473% | 6,913 |
| Net charge-offs to loans | 0.1826% | 4,692 |
| Credit loss provision to net charge-offs | 83.6820% | 4,291 |
| Earnings coverage of net charge-offs (x) | 10.6541% | 1,811 |
| Efficiency ratio | 74.3819% | 3,161 |
| Assets per employee ($millions) | 3.4178% | 5,204 |
| Cash dividends to net income (ytd only)* | 298.7750% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0319% | 2,177 |
| Loan loss allowance to noncurrent loans | 161.1975% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.7298% | 5,183 |
| Noncurrent loans to loans | 1.2605% | 4,264 |
| Net loans and leases to total assets | 48.1386% | 5,810 |
| Net loans and leases to deposits | 62.0538% | 5,237 |
| Net loans and leases to core deposits | 67.8020% | 5,053 |
| Total domestic deposits to total assets | 77.5756% | 6,264 |
| Equity capital to assets | 8.9688% | 5,582 |
| Core capital (leverage) ratio | 7.2781% | 6,752 |
| Tier 1 risk-based capital ratio | 10.7778% | 6,566 |
| Total risk-based capital ratio | 12.0282% | 6,549 |
| Memoranda: | ||
| Average total assets | $800,732,000 | 820 |
| Average earning assets | $715,146,000 | 832 |
| Average equity | $78,980,200 | 852 |
| Average total loans | $392,759,200 | 1,088 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2833% | 5,999 |
| Cost of funding earning assets | 1.0348% | 3,429 |
| Net interest margin | 3.2485% | 6,021 |
| Noninterest income to average assets | 1.1792% | 949 |
| Noninterest expense to average assets | 3.2396% | 2,696 |
| Loan and lease loss provision to assets | 0.0672% | 5,613 |
| Net operating income to assets | 0.5689% | 4,226 |
| Return on assets (ROA) | 0.6521% | 4,030 |
| Pretax return on assets | 0.8894% | 3,809 |
| Return on Equity (ROE) | 6.4582% | 3,792 |
| Retained earnings to average equity (ytd only) | -20.1735% | 7,085 |
| Net charge-offs to loans | 0.1690% | 4,441 |
| Credit loss provision to net charge-offs | 81.1359% | 4,108 |
| Earnings coverage of net charge-offs (x) | 10.1703% | 1,960 |
| Efficiency ratio | 76.7096% | 2,719 |
| Assets per employee ($millions) | 3.2878% | 5,505 |
| Cash dividends to net income (ytd only)* | 412.3715% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1549% | 1,953 |
| Loan loss allowance to noncurrent loans | 178.9542% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.7283% | 5,334 |
| Noncurrent loans to loans | 1.2041% | 4,530 |
| Net loans and leases to total assets | 48.6651% | 5,878 |
| Net loans and leases to deposits | 60.0056% | 5,627 |
| Net loans and leases to core deposits | 66.1790% | 5,392 |
| Total domestic deposits to total assets | 81.1010% | 5,399 |
| Equity capital to assets | 9.8317% | 4,579 |
| Core capital (leverage) ratio | 7.6507% | 6,669 |
| Tier 1 risk-based capital ratio | 12.0186% | 5,880 |
| Total risk-based capital ratio | 13.2753% | 5,869 |
| Memoranda: | ||
| Average total assets | $793,285,000 | 833 |
| Average earning assets | $708,945,250 | 848 |
| Average equity | $80,103,250 | 842 |
| Average total loans | $388,925,750 | 1,108 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3022% | 6,016 |
| Cost of funding earning assets | 1.0639% | 3,514 |
| Net interest margin | 3.2384% | 6,032 |
| Noninterest income to average assets | 1.0480% | 1,198 |
| Noninterest expense to average assets | 3.1594% | 3,052 |
| Loan and lease loss provision to assets | 0.1001% | 5,070 |
| Net operating income to assets | 0.5083% | 4,465 |
| Return on assets (ROA) | 0.5967% | 4,215 |
| Pretax return on assets | 0.8059% | 4,004 |
| Return on Equity (ROE) | 5.8592% | 4,034 |
| Retained earnings to average equity (ytd only) | -18.7181% | 7,120 |
| Net charge-offs to loans | -0.1272% | 7,212 |
| Credit loss provision to net charge-offs | -161.2903% | 6,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3437% | 2,803 |
| Assets per employee ($millions) | 3.3010% | 5,424 |
| Cash dividends to net income (ytd only)* | 419.4631% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3596% | 1,650 |
| Loan loss allowance to noncurrent loans | 118.5471% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 1.0690% | 4,746 |
| Noncurrent loans to loans | 1.9904% | 3,498 |
| Net loans and leases to total assets | 48.9380% | 5,955 |
| Net loans and leases to deposits | 61.1950% | 5,594 |
| Net loans and leases to core deposits | 66.9797% | 5,392 |
| Total domestic deposits to total assets | 79.9706% | 5,834 |
| Equity capital to assets | 10.5533% | 3,437 |
| Core capital (leverage) ratio | 7.9755% | 6,329 |
| Tier 1 risk-based capital ratio | 13.4410% | 4,573 |
| Total risk-based capital ratio | 14.7006% | 4,551 |
| Memoranda: | ||
| Average total assets | $799,075,000 | 841 |
| Average earning assets | $715,115,000 | 853 |
| Average equity | $81,375,670 | 825 |
| Average total loans | $389,929,000 | 1,116 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2506% | 6,145 |
| Cost of funding earning assets | 1.0737% | 3,699 |
| Net interest margin | 3.1769% | 6,145 |
| Noninterest income to average assets | 1.0872% | 1,112 |
| Noninterest expense to average assets | 2.9942% | 3,667 |
| Loan and lease loss provision to assets | 0.1471% | 4,171 |
| Net operating income to assets | 0.5697% | 4,182 |
| Return on assets (ROA) | 0.5757% | 4,229 |
| Pretax return on assets | 0.8037% | 3,889 |
| Return on Equity (ROE) | 5.7511% | 4,045 |
| Retained earnings to average equity (ytd only) | -43.2364% | 7,372 |
| Net charge-offs to loans | -0.2219% | 7,279 |
| Credit loss provision to net charge-offs | -137.6147% | 5,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3931% | 3,622 |
| Assets per employee ($millions) | 3.5462% | 4,885 |
| Cash dividends to net income (ytd only)* | 851.7888% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3179% | 1,732 |
| Loan loss allowance to noncurrent loans | 109.7099% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 1.0932% | 4,737 |
| Noncurrent loans to loans | 2.1128% | 3,429 |
| Net loans and leases to total assets | 46.1193% | 6,277 |
| Net loans and leases to deposits | 59.5141% | 5,768 |
| Net loans and leases to core deposits | 64.6946% | 5,657 |
| Total domestic deposits to total assets | 77.4931% | 6,452 |
| Equity capital to assets | 9.4746% | 4,476 |
| Core capital (leverage) ratio | 7.6682% | 6,581 |
| Tier 1 risk-based capital ratio | 12.7140% | 5,047 |
| Total risk-based capital ratio | 13.9723% | 5,019 |
| Memoranda: | ||
| Average total assets | $815,699,500 | 825 |
| Average earning assets | $731,662,000 | 834 |
| Average equity | $81,653,500 | 812 |
| Average total loans | $392,975,000 | 1,115 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9953% | 4,583 |
| Cost of funding earning assets | 1.2829% | 3,996 |
| Net interest margin | 3.7124% | 4,297 |
| Noninterest income to average assets | 1.4108% | 734 |
| Noninterest expense to average assets | 3.2449% | 2,937 |
| Loan and lease loss provision to assets | 0.3353% | 4,138 |
| Net operating income to assets | 0.9027% | 2,373 |
| Return on assets (ROA) | 0.9333% | 2,395 |
| Pretax return on assets | 1.1587% | 2,367 |
| Return on Equity (ROE) | 8.4259% | 2,524 |
| Retained earnings to average equity (ytd only) | 4.9102% | 2,468 |
| Net charge-offs to loans | 0.7435% | 2,790 |
| Credit loss provision to net charge-offs | 82.1043% | 5,479 |
| Earnings coverage of net charge-offs (x) | 3.5661% | 3,301 |
| Efficiency ratio | 66.6768% | 4,822 |
| Assets per employee ($millions) | 3.5780% | 4,758 |
| Cash dividends to net income (ytd only)* | 41.7246% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0977% | 2,078 |
| Loan loss allowance to noncurrent loans | 115.3498% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 1.0198% | 4,962 |
| Noncurrent loans to loans | 1.8186% | 3,795 |
| Net loans and leases to total assets | 48.1082% | 6,380 |
| Net loans and leases to deposits | 60.8965% | 5,963 |
| Net loans and leases to core deposits | 66.8346% | 5,795 |
| Total domestic deposits to total assets | 78.9999% | 6,079 |
| Equity capital to assets | 10.5458% | 3,111 |
| Core capital (leverage) ratio | 8.6697% | 5,072 |
| Tier 1 risk-based capital ratio | 13.9069% | 3,924 |
| Total risk-based capital ratio | 15.1632% | 3,895 |
| Memoranda: | ||
| Average total assets | $770,406,800 | 878 |
| Average earning assets | $682,816,000 | 897 |
| Average equity | $85,331,800 | 778 |
| Average total loans | $423,106,800 | 1,055 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1569% | 4,042 |
| Cost of funding earning assets | 1.3100% | 4,153 |
| Net interest margin | 3.8469% | 3,767 |
| Noninterest income to average assets | 1.4540% | 641 |
| Noninterest expense to average assets | 3.1394% | 3,144 |
| Loan and lease loss provision to assets | 0.3673% | 3,699 |
| Net operating income to assets | 1.0417% | 2,095 |
| Return on assets (ROA) | 1.0722% | 2,109 |
| Pretax return on assets | 1.3859% | 1,926 |
| Return on Equity (ROE) | 9.5570% | 2,299 |
| Retained earnings to average equity (ytd only) | 9.5570% | 899 |
| Net charge-offs to loans | 0.8889% | 2,220 |
| Credit loss provision to net charge-offs | 73.1631% | 5,336 |
| Earnings coverage of net charge-offs (x) | 3.4136% | 3,465 |
| Efficiency ratio | 62.3873% | 5,544 |
| Assets per employee ($millions) | 3.3619% | 5,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9865% | 2,258 |
| Loan loss allowance to noncurrent loans | 116.6643% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 1.0394% | 5,026 |
| Noncurrent loans to loans | 1.7028% | 4,083 |
| Net loans and leases to total assets | 51.2402% | 6,196 |
| Net loans and leases to deposits | 65.9962% | 5,668 |
| Net loans and leases to core deposits | 72.6096% | 5,448 |
| Total domestic deposits to total assets | 77.6411% | 6,336 |
| Equity capital to assets | 11.3484% | 2,663 |
| Core capital (leverage) ratio | 9.1628% | 4,439 |
| Tier 1 risk-based capital ratio | 14.2458% | 3,668 |
| Total risk-based capital ratio | 15.5011% | 3,624 |
| Memoranda: | ||
| Average total assets | $759,064,000 | 890 |
| Average earning assets | $670,696,250 | 916 |
| Average equity | $85,157,250 | 775 |
| Average total loans | $428,667,250 | 1,051 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2572% | 3,673 |
| Cost of funding earning assets | 1.3537% | 4,170 |
| Net interest margin | 3.9035% | 3,431 |
| Noninterest income to average assets | 1.5004% | 571 |
| Noninterest expense to average assets | 3.2356% | 2,782 |
| Loan and lease loss provision to assets | 0.3737% | 3,471 |
| Net operating income to assets | 1.0637% | 1,970 |
| Return on assets (ROA) | 1.1291% | 1,831 |
| Pretax return on assets | 1.4144% | 1,802 |
| Return on Equity (ROE) | 10.1056% | 2,072 |
| Retained earnings to average equity (ytd only) | 10.1056% | 824 |
| Net charge-offs to loans | 0.8611% | 2,107 |
| Credit loss provision to net charge-offs | 74.8929% | 4,844 |
| Earnings coverage of net charge-offs (x) | 3.4197% | 3,332 |
| Efficiency ratio | 63.1966% | 5,486 |
| Assets per employee ($millions) | 3.2954% | 5,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9669% | 2,261 |
| Loan loss allowance to noncurrent loans | 77.0269% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.6368% | 3,981 |
| Noncurrent loans to loans | 2.5535% | 3,103 |
| Net loans and leases to total assets | 54.9588% | 5,848 |
| Net loans and leases to deposits | 71.6758% | 5,046 |
| Net loans and leases to core deposits | 79.3387% | 4,768 |
| Total domestic deposits to total assets | 76.6769% | 6,569 |
| Equity capital to assets | 11.3891% | 2,531 |
| Core capital (leverage) ratio | 8.9443% | 4,694 |
| Tier 1 risk-based capital ratio | 13.4959% | 4,069 |
| Total risk-based capital ratio | 14.7514% | 4,030 |
| Memoranda: | ||
| Average total assets | $748,734,670 | 908 |
| Average earning assets | $660,120,000 | 938 |
| Average equity | $83,657,000 | 784 |
| Average total loans | $433,880,000 | 1,046 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2487% | 3,785 |
| Cost of funding earning assets | 1.4003% | 4,170 |
| Net interest margin | 3.8483% | 3,580 |
| Noninterest income to average assets | 1.7767% | 408 |
| Noninterest expense to average assets | 3.1754% | 2,954 |
| Loan and lease loss provision to assets | 0.4333% | 2,792 |
| Net operating income to assets | 1.2980% | 1,302 |
| Return on assets (ROA) | 1.4182% | 1,107 |
| Pretax return on assets | 1.7035% | 1,052 |
| Return on Equity (ROE) | 12.8228% | 1,289 |
| Retained earnings to average equity (ytd only) | 12.8228% | 644 |
| Net charge-offs to loans | 0.3368% | 3,060 |
| Credit loss provision to net charge-offs | 218.3060% | 1,723 |
| Earnings coverage of net charge-offs (x) | 10.0355% | 1,788 |
| Efficiency ratio | 59.2779% | 6,292 |
| Assets per employee ($millions) | 3.2263% | 5,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1160% | 1,922 |
| Loan loss allowance to noncurrent loans | 64.3473% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 1.9592% | 3,549 |
| Noncurrent loans to loans | 3.2884% | 2,425 |
| Net loans and leases to total assets | 56.1872% | 5,718 |
| Net loans and leases to deposits | 72.4825% | 4,988 |
| Net loans and leases to core deposits | 81.0695% | 4,612 |
| Total domestic deposits to total assets | 77.5183% | 6,445 |
| Equity capital to assets | 11.0678% | 2,705 |
| Core capital (leverage) ratio | 8.9664% | 4,623 |
| Tier 1 risk-based capital ratio | 12.7270% | 4,535 |
| Total risk-based capital ratio | 13.9841% | 4,492 |
| Memoranda: | ||
| Average total assets | $737,541,500 | 935 |
| Average earning assets | $649,840,500 | 963 |
| Average equity | $81,573,500 | 811 |
| Average total loans | $434,669,000 | 1,072 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7724% | 2,770 |
| Cost of funding earning assets | 1.8629% | 3,658 |
| Net interest margin | 3.9095% | 3,232 |
| Noninterest income to average assets | 1.4466% | 694 |
| Noninterest expense to average assets | 3.4260% | 2,593 |
| Loan and lease loss provision to assets | 0.3885% | 4,458 |
| Net operating income to assets | 0.7344% | 2,794 |
| Return on assets (ROA) | 0.7670% | 2,743 |
| Pretax return on assets | 1.1084% | 2,221 |
| Return on Equity (ROE) | 6.8837% | 2,834 |
| Retained earnings to average equity (ytd only) | 3.0121% | 3,058 |
| Net charge-offs to loans | 0.3632% | 4,409 |
| Credit loss provision to net charge-offs | 165.3611% | 2,637 |
| Earnings coverage of net charge-offs (x) | 6.1695% | 2,423 |
| Efficiency ratio | 67.9880% | 5,006 |
| Assets per employee ($millions) | 3.0468% | 6,105 |
| Cash dividends to net income (ytd only)* | 56.2430% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1117% | 1,808 |
| Loan loss allowance to noncurrent loans | 85.0346% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 1.5855% | 4,000 |
| Noncurrent loans to loans | 2.4834% | 3,060 |
| Net loans and leases to total assets | 59.3485% | 5,443 |
| Net loans and leases to deposits | 77.8353% | 4,412 |
| Net loans and leases to core deposits | 93.4518% | 4,732 |
| Total domestic deposits to total assets | 76.2488% | 6,632 |
| Equity capital to assets | 11.0517% | 2,670 |
| Core capital (leverage) ratio | 8.7102% | 4,907 |
| Tier 1 risk-based capital ratio | 12.3867% | 4,609 |
| Total risk-based capital ratio | 13.6444% | 4,568 |
| Memoranda: | ||
| Average total assets | $695,426,800 | 991 |
| Average earning assets | $609,957,800 | 1,025 |
| Average equity | $77,487,200 | 832 |
| Average total loans | $449,887,600 | 1,065 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8499% | 2,666 |
| Cost of funding earning assets | 1.9441% | 3,646 |
| Net interest margin | 3.9058% | 3,221 |
| Noninterest income to average assets | 1.4866% | 669 |
| Noninterest expense to average assets | 3.4417% | 2,445 |
| Loan and lease loss provision to assets | 0.3437% | 4,263 |
| Net operating income to assets | 0.7794% | 2,897 |
| Return on assets (ROA) | 0.7565% | 3,063 |
| Pretax return on assets | 1.0955% | 2,591 |
| Return on Equity (ROE) | 6.7751% | 3,174 |
| Retained earnings to average equity (ytd only) | 6.7751% | 1,599 |
| Net charge-offs to loans | 0.2789% | 4,290 |
| Credit loss provision to net charge-offs | 187.5262% | 2,424 |
| Earnings coverage of net charge-offs (x) | 8.0346% | 2,314 |
| Efficiency ratio | 67.7703% | 5,027 |
| Assets per employee ($millions) | 3.0671% | 5,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9642% | 1,882 |
| Loan loss allowance to noncurrent loans | 87.6969% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 1.5395% | 4,060 |
| Noncurrent loans to loans | 2.2397% | 3,333 |
| Net loans and leases to total assets | 62.3733% | 5,181 |
| Net loans and leases to deposits | 82.7935% | 3,868 |
| Net loans and leases to core deposits | 100.3370% | 4,332 |
| Total domestic deposits to total assets | 75.3359% | 6,712 |
| Equity capital to assets | 11.4973% | 2,587 |
| Core capital (leverage) ratio | 8.9493% | 4,730 |
| Tier 1 risk-based capital ratio | 12.1659% | 4,825 |
| Total risk-based capital ratio | 13.4221% | 4,767 |
| Memoranda: | ||
| Average total assets | $694,091,500 | 998 |
| Average earning assets | $609,089,000 | 1,039 |
| Average equity | $77,497,250 | 845 |
| Average total loans | $456,142,750 | 1,067 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9082% | 2,548 |
| Cost of funding earning assets | 2.0286% | 3,633 |
| Net interest margin | 3.8796% | 3,211 |
| Noninterest income to average assets | 1.4371% | 728 |
| Noninterest expense to average assets | 3.5277% | 2,263 |
| Loan and lease loss provision to assets | 0.3695% | 3,707 |
| Net operating income to assets | 0.6622% | 3,416 |
| Return on assets (ROA) | 0.6254% | 3,675 |
| Pretax return on assets | 0.8889% | 3,381 |
| Return on Equity (ROE) | 5.6580% | 3,800 |
| Retained earnings to average equity (ytd only) | 5.6580% | 2,177 |
| Net charge-offs to loans | 0.2227% | 4,109 |
| Credit loss provision to net charge-offs | 249.8047% | 1,869 |
| Earnings coverage of net charge-offs (x) | 8.8633% | 2,212 |
| Efficiency ratio | 70.5970% | 4,657 |
| Assets per employee ($millions) | 3.0413% | 6,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8825% | 1,837 |
| Loan loss allowance to noncurrent loans | 128.6117% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 1.1850% | 4,568 |
| Noncurrent loans to loans | 1.4637% | 4,297 |
| Net loans and leases to total assets | 64.6089% | 4,856 |
| Net loans and leases to deposits | 87.5138% | 3,260 |
| Net loans and leases to core deposits | 105.3086% | 3,921 |
| Total domestic deposits to total assets | 73.8270% | 6,975 |
| Equity capital to assets | 11.1426% | 2,799 |
| Core capital (leverage) ratio | 8.7252% | 5,049 |
| Tier 1 risk-based capital ratio | 11.4247% | 5,469 |
| Total risk-based capital ratio | 12.6800% | 5,373 |
| Memoranda: | ||
| Average total assets | $692,355,000 | 1,016 |
| Average earning assets | $607,016,000 | 1,056 |
| Average equity | $76,529,330 | 869 |
| Average total loans | $459,885,000 | 1,086 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9828% | 2,432 |
| Cost of funding earning assets | 2.0751% | 3,769 |
| Net interest margin | 3.9077% | 3,013 |
| Noninterest income to average assets | 1.5355% | 588 |
| Noninterest expense to average assets | 3.5535% | 1,965 |
| Loan and lease loss provision to assets | 0.3473% | 3,242 |
| Net operating income to assets | 0.7368% | 3,405 |
| Return on assets (ROA) | 0.7962% | 3,308 |
| Pretax return on assets | 1.1371% | 2,842 |
| Return on Equity (ROE) | 7.2326% | 3,488 |
| Retained earnings to average equity (ytd only) | 7.2326% | 2,118 |
| Net charge-offs to loans | -0.0226% | 7,471 |
| Credit loss provision to net charge-offs | -2,300.0000% | 6,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4689% | 4,685 |
| Assets per employee ($millions) | 2.9521% | 6,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8441% | 1,751 |
| Loan loss allowance to noncurrent loans | 62.5220% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 2.0685% | 2,796 |
| Noncurrent loans to loans | 2.9495% | 2,214 |
| Net loans and leases to total assets | 65.7103% | 4,651 |
| Net loans and leases to deposits | 87.4461% | 3,392 |
| Net loans and leases to core deposits | 103.7966% | 4,158 |
| Total domestic deposits to total assets | 75.1437% | 6,683 |
| Equity capital to assets | 11.1289% | 2,871 |
| Core capital (leverage) ratio | 8.6303% | 5,281 |
| Tier 1 risk-based capital ratio | 11.1966% | 5,703 |
| Total risk-based capital ratio | 12.4515% | 5,616 |
| Memoranda: | ||
| Average total assets | $688,788,000 | 1,025 |
| Average earning assets | $602,393,000 | 1,070 |
| Average equity | $75,823,500 | 880 |
| Average total loans | $459,526,000 | 1,094 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6266% | 2,365 |
| Cost of funding earning assets | 2.6082% | 3,648 |
| Net interest margin | 4.0184% | 3,031 |
| Noninterest income to average assets | 1.6711% | 493 |
| Noninterest expense to average assets | 3.8514% | 1,659 |
| Loan and lease loss provision to assets | 0.1355% | 5,624 |
| Net operating income to assets | 0.8164% | 3,362 |
| Return on assets (ROA) | 0.6246% | 4,059 |
| Pretax return on assets | 0.8956% | 3,741 |
| Return on Equity (ROE) | 5.9070% | 3,981 |
| Retained earnings to average equity (ytd only) | 4.4396% | 2,365 |
| Net charge-offs to loans | 0.2065% | 4,141 |
| Credit loss provision to net charge-offs | 92.5795% | 5,613 |
| Earnings coverage of net charge-offs (x) | 8.9164% | 2,794 |
| Efficiency ratio | 73.4336% | 3,674 |
| Assets per employee ($millions) | 3.0122% | 6,029 |
| Cash dividends to net income (ytd only)* | 24.8413% | 4,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7310% | 1,821 |
| Loan loss allowance to noncurrent loans | 97.3159% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 1.3464% | 3,520 |
| Noncurrent loans to loans | 1.7788% | 3,096 |
| Net loans and leases to total assets | 65.3333% | 4,984 |
| Net loans and leases to deposits | 88.7925% | 3,667 |
| Net loans and leases to core deposits | 104.3876% | 4,358 |
| Total domestic deposits to total assets | 73.5798% | 6,722 |
| Equity capital to assets | 10.8868% | 3,128 |
| Core capital (leverage) ratio | 8.4778% | 5,609 |
| Tier 1 risk-based capital ratio | 10.8268% | 5,880 |
| Total risk-based capital ratio | 12.0801% | 5,786 |
| Memoranda: | ||
| Average total assets | $580,051,400 | 1,160 |
| Average earning assets | $503,106,800 | 1,223 |
| Average equity | $61,334,000 | 1,096 |
| Average total loans | $411,133,800 | 1,169 |