Home > Security State Bank > Performance and Condition Ratios
Security State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0306% | 21 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 41,220.0000% | 26 |
| Cost of funding earning assets | -125.0000% | 4,609 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 0.3578% | 3,940 |
| Pretax return on assets | 0.4123% | 3,942 |
| Return on Equity (ROE) | 5.8200% | 3,559 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0016% | 2,770 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 1.2784% | 2,766 |
| Efficiency ratio | 7.5596% | 4,555 |
| Assets per employee ($millions) | 0.0615% | 4,565 |
| Cash dividends to net income (ytd only)* | 35.0000% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 8,075.0000% | 17 |
| Total domestic deposits to total assets | 66.0000% | 4,378 |
| Equity capital to assets | 2,024.0000% | 42 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $13,749,000 | 4,551 |
| Average earning assets | $847 | 4,591 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8353% | 4,080 |
| Cost of funding earning assets | 1.3106% | 2,123 |
| Net interest margin | 2.5246% | 4,117 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.4563% | 2,356 |
| Loan and lease loss provision to assets | -0.0400% | 4,449 |
| Net operating income to assets | 0.3671% | 4,015 |
| Return on assets (ROA) | 0.3671% | 4,020 |
| Pretax return on assets | 0.4174% | 4,036 |
| Return on Equity (ROE) | 6.1000% | 3,623 |
| Retained earnings to average equity (ytd only) | -4.8072% | 4,423 |
| Net charge-offs to loans | -0.0781% | 4,453 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 86.6230% | 485 |
| Assets per employee ($millions) | 6.1634% | 2,604 |
| Cash dividends to net income (ytd only)* | 178.7552% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7505% | 630 |
| Loan loss allowance to noncurrent loans | 898.3957% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.0879% | 3,002 |
| Noncurrent loans to loans | 0.1949% | 2,580 |
| Net loans and leases to total assets | 44.3400% | 3,901 |
| Net loans and leases to deposits | 53.2062% | 3,827 |
| Net loans and leases to core deposits | 60.8491% | 3,663 |
| Total domestic deposits to total assets | 83.3400% | 2,954 |
| Equity capital to assets | 5.3782% | 4,174 |
| Core capital (leverage) ratio | 10.3522% | 2,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6210% | 742 |
| Memoranda: | ||
| Average total assets | $437,620,250 | 1,896 |
| Average earning assets | $404,065,250 | 1,894 |
| Average equity | $26,321,000 | 2,432 |
| Average total loans | $192,797,000 | 2,338 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7625% | 4,063 |
| Cost of funding earning assets | 1.1558% | 2,120 |
| Net interest margin | 2.6067% | 4,104 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.4105% | 2,449 |
| Loan and lease loss provision to assets | -0.0600% | 4,518 |
| Net operating income to assets | 0.5094% | 3,789 |
| Return on assets (ROA) | 0.5094% | 3,798 |
| Pretax return on assets | 0.6035% | 3,796 |
| Return on Equity (ROE) | 8.1900% | 3,190 |
| Retained earnings to average equity (ytd only) | -7.4916% | 4,476 |
| Net charge-offs to loans | -0.1150% | 4,528 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.5064% | 742 |
| Assets per employee ($millions) | 6.3821% | 2,403 |
| Cash dividends to net income (ytd only)* | 191.4667% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7497% | 680 |
| Loan loss allowance to noncurrent loans | 167,900.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 3,909 |
| Noncurrent loans to loans | 0.0010% | 3,834 |
| Net loans and leases to total assets | 42.8200% | 3,927 |
| Net loans and leases to deposits | 51.7805% | 3,851 |
| Net loans and leases to core deposits | 59.3406% | 3,666 |
| Total domestic deposits to total assets | 82.7000% | 3,106 |
| Equity capital to assets | 6.1210% | 4,116 |
| Core capital (leverage) ratio | 10.0516% | 2,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8879% | 730 |
| Memoranda: | ||
| Average total assets | $441,735,333 | 1,884 |
| Average earning assets | $408,557,000 | 1,878 |
| Average equity | $27,470,667 | 2,390 |
| Average total loans | $193,082,333 | 2,334 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5752% | 4,184 |
| Cost of funding earning assets | 0.8552% | 2,524 |
| Net interest margin | 2.7200% | 4,044 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.3923% | 2,552 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4421% | 4,015 |
| Return on assets (ROA) | 0.4421% | 3,968 |
| Pretax return on assets | 0.5045% | 3,982 |
| Return on Equity (ROE) | 7.0500% | 3,505 |
| Retained earnings to average equity (ytd only) | -5.2653% | 4,340 |
| Net charge-offs to loans | 0.0062% | 1,726 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 186.0000% | 528 |
| Efficiency ratio | 82.5843% | 671 |
| Assets per employee ($millions) | 6.5228% | 2,323 |
| Cash dividends to net income (ytd only)* | 174.6421% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7359% | 743 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 43.0000% | 3,909 |
| Net loans and leases to deposits | 50.7799% | 3,854 |
| Net loans and leases to core deposits | 55.9497% | 3,747 |
| Total domestic deposits to total assets | 84.6700% | 2,937 |
| Equity capital to assets | 6.4768% | 4,035 |
| Core capital (leverage) ratio | 10.2883% | 2,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1563% | 729 |
| Memoranda: | ||
| Average total assets | $442,420,000 | 1,898 |
| Average earning assets | $409,261,500 | 1,905 |
| Average equity | $27,728,500 | 2,407 |
| Average total loans | $193,661,500 | 2,351 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3074% | 3,576 |
| Cost of funding earning assets | 0.4441% | 1,759 |
| Net interest margin | 2.8633% | 3,762 |
| Noninterest income to average assets | 1.0500% | 591 |
| Noninterest expense to average assets | 2.4403% | 2,304 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 1.0505% | 2,374 |
| Return on assets (ROA) | 1.0505% | 2,316 |
| Pretax return on assets | 1.2892% | 2,125 |
| Return on Equity (ROE) | 14.8900% | 1,277 |
| Retained earnings to average equity (ytd only) | 4.3103% | 3,295 |
| Net charge-offs to loans | -0.0562% | 4,376 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.8347% | 2,257 |
| Assets per employee ($millions) | 6.5864% | 2,265 |
| Cash dividends to net income (ytd only)* | 71.0589% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7449% | 738 |
| Loan loss allowance to noncurrent loans | 67,440.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 3,943 |
| Noncurrent loans to loans | 0.0026% | 3,867 |
| Net loans and leases to total assets | 43.0300% | 3,927 |
| Net loans and leases to deposits | 49.5311% | 3,917 |
| Net loans and leases to core deposits | 53.1671% | 3,855 |
| Total domestic deposits to total assets | 86.8700% | 2,433 |
| Equity capital to assets | 6.0570% | 4,071 |
| Core capital (leverage) ratio | 10.3186% | 2,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6056% | 663 |
| Memoranda: | ||
| Average total assets | $437,783,000 | 1,894 |
| Average earning assets | $406,426,200 | 1,892 |
| Average equity | $30,879,600 | 2,300 |
| Average total loans | $195,737,000 | 2,267 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2474% | 3,315 |
| Cost of funding earning assets | 0.3563% | 1,650 |
| Net interest margin | 2.8911% | 3,515 |
| Noninterest income to average assets | 1.2200% | 496 |
| Noninterest expense to average assets | 2.3284% | 2,549 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 1.2951% | 1,366 |
| Return on assets (ROA) | 1.2951% | 1,331 |
| Pretax return on assets | 1.6052% | 1,109 |
| Return on Equity (ROE) | 17.7300% | 680 |
| Retained earnings to average equity (ytd only) | 6.4791% | 2,558 |
| Net charge-offs to loans | -0.0760% | 4,421 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.6560% | 3,157 |
| Assets per employee ($millions) | 6.9720% | 1,962 |
| Cash dividends to net income (ytd only)* | 63.4543% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7097% | 858 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 44.1600% | 3,868 |
| Net loans and leases to deposits | 50.4727% | 3,824 |
| Net loans and leases to core deposits | 55.3071% | 3,669 |
| Total domestic deposits to total assets | 87.4900% | 2,597 |
| Equity capital to assets | 5.2336% | 4,218 |
| Core capital (leverage) ratio | 10.1155% | 2,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0594% | 724 |
| Memoranda: | ||
| Average total assets | $436,906,750 | 1,909 |
| Average earning assets | $406,020,500 | 1,906 |
| Average equity | $31,917,250 | 2,278 |
| Average total loans | $196,360,250 | 2,254 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0670% | 3,386 |
| Cost of funding earning assets | 0.2942% | 1,773 |
| Net interest margin | 2.7728% | 3,520 |
| Noninterest income to average assets | 1.5748% | 315 |
| Noninterest expense to average assets | 2.2654% | 2,652 |
| Loan and lease loss provision to assets | -0.0459% | 4,506 |
| Net operating income to assets | 1.5537% | 614 |
| Return on assets (ROA) | 1.5537% | 599 |
| Pretax return on assets | 1.9398% | 431 |
| Return on Equity (ROE) | 19.4190% | 350 |
| Retained earnings to average equity (ytd only) | 5.1012% | 2,673 |
| Net charge-offs to loans | -0.1132% | 4,480 |
| Credit loss provision to net charge-offs | 90.0901% | 1,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4653% | 3,919 |
| Assets per employee ($millions) | 6.2275% | 2,544 |
| Cash dividends to net income (ytd only)* | 73.7308% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6959% | 966 |
| Loan loss allowance to noncurrent loans | 221.8421% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.3438% | 1,629 |
| Noncurrent loans to loans | 0.7645% | 1,126 |
| Net loans and leases to total assets | 44.2068% | 3,815 |
| Net loans and leases to deposits | 51.2784% | 3,740 |
| Net loans and leases to core deposits | 59.0790% | 3,344 |
| Total domestic deposits to total assets | 86.2094% | 3,194 |
| Equity capital to assets | 6.5242% | 4,012 |
| Core capital (leverage) ratio | 10.0504% | 2,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0380% | 712 |
| Memoranda: | ||
| Average total assets | $436,129,333 | 1,913 |
| Average earning assets | $406,520,667 | 1,918 |
| Average equity | $34,893,667 | 2,201 |
| Average total loans | $196,033,667 | 2,262 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0677% | 3,058 |
| Cost of funding earning assets | 0.2879% | 1,757 |
| Net interest margin | 2.7798% | 3,200 |
| Noninterest income to average assets | 0.4701% | 2,298 |
| Noninterest expense to average assets | 2.1518% | 2,974 |
| Loan and lease loss provision to assets | -0.0924% | 4,589 |
| Net operating income to assets | 0.8247% | 2,576 |
| Return on assets (ROA) | 0.8247% | 2,572 |
| Pretax return on assets | 1.0057% | 2,421 |
| Return on Equity (ROE) | 9.4206% | 2,179 |
| Retained earnings to average equity (ytd only) | -16.2144% | 4,658 |
| Net charge-offs to loans | -0.2076% | 4,609 |
| Credit loss provision to net charge-offs | 99.0099% | 1,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2019% | 2,201 |
| Assets per employee ($millions) | 6.3401% | 2,512 |
| Cash dividends to net income (ytd only)* | 272.1165% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7035% | 1,048 |
| Loan loss allowance to noncurrent loans | 231.6116% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.9062% | 592 |
| Noncurrent loans to loans | 0.7355% | 1,296 |
| Net loans and leases to total assets | 45.0100% | 3,657 |
| Net loans and leases to deposits | 52.6709% | 3,520 |
| Net loans and leases to core deposits | 57.8055% | 3,312 |
| Total domestic deposits to total assets | 85.4552% | 3,416 |
| Equity capital to assets | 7.5254% | 3,916 |
| Core capital (leverage) ratio | 9.5615% | 2,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1428% | 885 |
| Memoranda: | ||
| Average total assets | $433,116,000 | 1,934 |
| Average earning assets | $404,343,500 | 1,934 |
| Average equity | $37,917,000 | 2,131 |
| Average total loans | $194,633,000 | 2,267 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0191% | 3,840 |
| Cost of funding earning assets | 0.3880% | 1,624 |
| Net interest margin | 2.6311% | 3,997 |
| Noninterest income to average assets | 0.9380% | 1,120 |
| Noninterest expense to average assets | 2.2760% | 2,861 |
| Loan and lease loss provision to assets | 0.0494% | 2,069 |
| Net operating income to assets | 0.8994% | 3,049 |
| Return on assets (ROA) | 0.9187% | 3,036 |
| Pretax return on assets | 1.1061% | 2,953 |
| Return on Equity (ROE) | 9.0098% | 2,907 |
| Retained earnings to average equity (ytd only) | 5.6075% | 2,514 |
| Net charge-offs to loans | 0.0997% | 856 |
| Credit loss provision to net charge-offs | 108.8083% | 1,715 |
| Earnings coverage of net charge-offs (x) | 24.9430% | 1,736 |
| Efficiency ratio | 66.7794% | 2,151 |
| Assets per employee ($millions) | 6.1283% | 2,635 |
| Cash dividends to net income (ytd only)* | 37.7624% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8566% | 789 |
| Loan loss allowance to noncurrent loans | 162.3519% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 1.0685% | 494 |
| Noncurrent loans to loans | 1.1436% | 844 |
| Net loans and leases to total assets | 43.2748% | 3,892 |
| Net loans and leases to deposits | 52.1225% | 3,730 |
| Net loans and leases to core deposits | 56.8448% | 3,560 |
| Total domestic deposits to total assets | 83.0251% | 3,802 |
| Equity capital to assets | 9.9722% | 2,680 |
| Core capital (leverage) ratio | 10.0585% | 2,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1416% | 740 |
| Memoranda: | ||
| Average total assets | $425,170,000 | 1,911 |
| Average earning assets | $399,189,800 | 1,911 |
| Average equity | $43,352,600 | 1,967 |
| Average total loans | $193,612,800 | 2,279 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0070% | 3,986 |
| Cost of funding earning assets | 0.4107% | 1,617 |
| Net interest margin | 2.5962% | 4,135 |
| Noninterest income to average assets | 1.0160% | 1,046 |
| Noninterest expense to average assets | 2.2566% | 2,872 |
| Loan and lease loss provision to assets | 0.0662% | 1,671 |
| Net operating income to assets | 0.9319% | 3,143 |
| Return on assets (ROA) | 0.9510% | 3,160 |
| Pretax return on assets | 1.1551% | 3,062 |
| Return on Equity (ROE) | 9.2746% | 3,011 |
| Retained earnings to average equity (ytd only) | 4.7373% | 3,317 |
| Net charge-offs to loans | 0.1367% | 593 |
| Credit loss provision to net charge-offs | 105.5276% | 1,544 |
| Earnings coverage of net charge-offs (x) | 19.0854% | 1,768 |
| Efficiency ratio | 65.3214% | 2,198 |
| Assets per employee ($millions) | 5.7798% | 2,913 |
| Cash dividends to net income (ytd only)* | 48.9221% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8495% | 846 |
| Loan loss allowance to noncurrent loans | 144.1427% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 1.1728% | 513 |
| Noncurrent loans to loans | 1.2831% | 850 |
| Net loans and leases to total assets | 44.1210% | 3,946 |
| Net loans and leases to deposits | 53.2838% | 3,793 |
| Net loans and leases to core deposits | 59.3639% | 3,523 |
| Total domestic deposits to total assets | 82.8037% | 3,758 |
| Equity capital to assets | 10.1434% | 2,766 |
| Core capital (leverage) ratio | 10.1231% | 2,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9661% | 818 |
| Memoranda: | ||
| Average total assets | $422,685,500 | 1,938 |
| Average earning assets | $397,025,250 | 1,936 |
| Average equity | $43,343,250 | 1,994 |
| Average total loans | $194,052,500 | 2,310 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0086% | 4,029 |
| Cost of funding earning assets | 0.4414% | 1,585 |
| Net interest margin | 2.5672% | 4,220 |
| Noninterest income to average assets | 1.1767% | 829 |
| Noninterest expense to average assets | 2.3097% | 2,742 |
| Loan and lease loss provision to assets | 0.0998% | 1,271 |
| Net operating income to assets | 0.9746% | 2,980 |
| Return on assets (ROA) | 0.9900% | 3,011 |
| Pretax return on assets | 1.1976% | 2,919 |
| Return on Equity (ROE) | 9.6193% | 2,904 |
| Retained earnings to average equity (ytd only) | 2.8110% | 3,902 |
| Net charge-offs to loans | 0.1141% | 677 |
| Credit loss provision to net charge-offs | 189.1892% | 1,069 |
| Earnings coverage of net charge-offs (x) | 24.2523% | 1,441 |
| Efficiency ratio | 64.3633% | 2,378 |
| Assets per employee ($millions) | 6.3801% | 2,251 |
| Cash dividends to net income (ytd only)* | 70.7774% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8672% | 782 |
| Loan loss allowance to noncurrent loans | 61.7418% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 2.0030% | 212 |
| Noncurrent loans to loans | 3.0242% | 240 |
| Net loans and leases to total assets | 44.8021% | 3,986 |
| Net loans and leases to deposits | 54.3116% | 3,836 |
| Net loans and leases to core deposits | 60.5306% | 3,580 |
| Total domestic deposits to total assets | 82.4908% | 3,823 |
| Equity capital to assets | 10.0677% | 2,794 |
| Core capital (leverage) ratio | 9.8232% | 2,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2779% | 916 |
| Memoranda: | ||
| Average total assets | $421,011,333 | 1,936 |
| Average earning assets | $395,526,333 | 1,930 |
| Average equity | $43,329,667 | 1,983 |
| Average total loans | $194,648,333 | 2,314 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0281% | 4,025 |
| Cost of funding earning assets | 0.4749% | 1,561 |
| Net interest margin | 2.5532% | 4,230 |
| Noninterest income to average assets | 1.2858% | 765 |
| Noninterest expense to average assets | 2.2969% | 2,804 |
| Loan and lease loss provision to assets | 0.2011% | 602 |
| Net operating income to assets | 0.9838% | 2,860 |
| Return on assets (ROA) | 0.9814% | 2,963 |
| Pretax return on assets | 1.1891% | 2,875 |
| Return on Equity (ROE) | 9.4304% | 2,876 |
| Retained earnings to average equity (ytd only) | 7.5903% | 2,389 |
| Net charge-offs to loans | 0.1214% | 592 |
| Credit loss provision to net charge-offs | 355.9322% | 694 |
| Earnings coverage of net charge-offs (x) | 24.6610% | 1,169 |
| Efficiency ratio | 62.2470% | 2,715 |
| Assets per employee ($millions) | 6.0913% | 2,503 |
| Cash dividends to net income (ytd only)* | 19.5122% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8563% | 789 |
| Loan loss allowance to noncurrent loans | 52.4702% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 2.2721% | 198 |
| Noncurrent loans to loans | 3.5378% | 183 |
| Net loans and leases to total assets | 45.8288% | 3,970 |
| Net loans and leases to deposits | 55.4987% | 3,832 |
| Net loans and leases to core deposits | 61.4004% | 3,616 |
| Total domestic deposits to total assets | 82.5764% | 3,787 |
| Equity capital to assets | 10.1177% | 2,593 |
| Core capital (leverage) ratio | 10.2932% | 2,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8797% | 949 |
| Memoranda: | ||
| Average total assets | $417,783,500 | 1,939 |
| Average earning assets | $393,384,500 | 1,928 |
| Average equity | $43,476,500 | 1,964 |
| Average total loans | $194,393,500 | 2,317 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7600% | 3,413 |
| Cost of funding earning assets | 0.7613% | 1,391 |
| Net interest margin | 2.9987% | 3,886 |
| Noninterest income to average assets | 0.7793% | 1,594 |
| Noninterest expense to average assets | 2.3699% | 3,209 |
| Loan and lease loss provision to assets | 0.2612% | 1,483 |
| Net operating income to assets | 0.7720% | 3,198 |
| Return on assets (ROA) | 0.7907% | 3,246 |
| Pretax return on assets | 0.9581% | 3,187 |
| Return on Equity (ROE) | 7.1988% | 3,126 |
| Retained earnings to average equity (ytd only) | 4.2535% | 2,683 |
| Net charge-offs to loans | 0.4538% | 363 |
| Credit loss provision to net charge-offs | 111.6667% | 2,711 |
| Earnings coverage of net charge-offs (x) | 5.1167% | 2,898 |
| Efficiency ratio | 66.4481% | 2,459 |
| Assets per employee ($millions) | 5.9301% | 2,401 |
| Cash dividends to net income (ytd only)* | 40.9136% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8689% | 768 |
| Loan loss allowance to noncurrent loans | 53.9328% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 2.2526% | 228 |
| Noncurrent loans to loans | 3.4653% | 206 |
| Net loans and leases to total assets | 45.4904% | 4,162 |
| Net loans and leases to deposits | 55.1147% | 4,067 |
| Net loans and leases to core deposits | 61.8878% | 3,833 |
| Total domestic deposits to total assets | 82.5377% | 3,526 |
| Equity capital to assets | 10.7074% | 2,512 |
| Core capital (leverage) ratio | 10.3171% | 2,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1976% | 874 |
| Memoranda: | ||
| Average total assets | $384,834,400 | 1,908 |
| Average earning assets | $357,683,200 | 1,905 |
| Average equity | $42,271,200 | 1,933 |
| Average total loans | $198,332,400 | 2,249 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9459% | 3,127 |
| Cost of funding earning assets | 0.8262% | 1,373 |
| Net interest margin | 3.1198% | 3,692 |
| Noninterest income to average assets | 0.7417% | 1,671 |
| Noninterest expense to average assets | 2.3646% | 3,238 |
| Loan and lease loss provision to assets | 0.2411% | 1,683 |
| Net operating income to assets | 0.8482% | 2,913 |
| Return on assets (ROA) | 0.8685% | 2,965 |
| Pretax return on assets | 1.0571% | 2,882 |
| Return on Equity (ROE) | 7.8529% | 2,864 |
| Retained earnings to average equity (ytd only) | 6.0225% | 2,097 |
| Net charge-offs to loans | 0.2806% | 566 |
| Credit loss provision to net charge-offs | 162.3223% | 2,253 |
| Earnings coverage of net charge-offs (x) | 8.5735% | 2,488 |
| Efficiency ratio | 64.9927% | 2,594 |
| Assets per employee ($millions) | 6.0398% | 2,232 |
| Cash dividends to net income (ytd only)* | 23.3077% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8160% | 696 |
| Loan loss allowance to noncurrent loans | 88.8862% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 1.6916% | 466 |
| Noncurrent loans to loans | 2.0431% | 592 |
| Net loans and leases to total assets | 50.9960% | 4,031 |
| Net loans and leases to deposits | 62.6921% | 3,888 |
| Net loans and leases to core deposits | 70.4515% | 3,595 |
| Total domestic deposits to total assets | 81.3435% | 3,581 |
| Equity capital to assets | 11.1692% | 2,266 |
| Core capital (leverage) ratio | 10.8371% | 2,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9074% | 926 |
| Memoranda: | ||
| Average total assets | $378,749,500 | 1,911 |
| Average earning assets | $351,643,250 | 1,914 |
| Average equity | $41,886,000 | 1,938 |
| Average total loans | $200,495,500 | 2,229 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0039% | 3,311 |
| Cost of funding earning assets | 0.8885% | 1,429 |
| Net interest margin | 3.1154% | 3,869 |
| Noninterest income to average assets | 0.7088% | 1,706 |
| Noninterest expense to average assets | 2.3793% | 3,310 |
| Loan and lease loss provision to assets | 0.2539% | 1,664 |
| Net operating income to assets | 0.7936% | 3,063 |
| Return on assets (ROA) | 0.8243% | 3,077 |
| Pretax return on assets | 1.0034% | 3,019 |
| Return on Equity (ROE) | 7.4797% | 2,942 |
| Retained earnings to average equity (ytd only) | 4.6906% | 2,611 |
| Net charge-offs to loans | 0.3220% | 502 |
| Credit loss provision to net charge-offs | 147.9751% | 2,140 |
| Earnings coverage of net charge-offs (x) | 7.1090% | 2,394 |
| Efficiency ratio | 66.1072% | 2,502 |
| Assets per employee ($millions) | 5.7390% | 2,420 |
| Cash dividends to net income (ytd only)* | 37.2892% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7214% | 782 |
| Loan loss allowance to noncurrent loans | 83.2137% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 1.7409% | 477 |
| Noncurrent loans to loans | 2.0686% | 637 |
| Net loans and leases to total assets | 52.5803% | 3,986 |
| Net loans and leases to deposits | 63.7296% | 3,902 |
| Net loans and leases to core deposits | 74.0251% | 3,460 |
| Total domestic deposits to total assets | 82.5053% | 3,235 |
| Equity capital to assets | 10.9389% | 2,401 |
| Core capital (leverage) ratio | 10.4816% | 2,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0264% | 774 |
| Memoranda: | ||
| Average total assets | $374,136,667 | 1,909 |
| Average earning assets | $347,115,333 | 1,910 |
| Average equity | $41,231,667 | 1,950 |
| Average total loans | $199,358,333 | 2,228 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1573% | 3,356 |
| Cost of funding earning assets | 0.9719% | 1,551 |
| Net interest margin | 3.1854% | 3,895 |
| Noninterest income to average assets | 0.5168% | 2,464 |
| Noninterest expense to average assets | 2.4312% | 3,471 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8523% | 2,701 |
| Return on assets (ROA) | 0.8523% | 2,802 |
| Pretax return on assets | 1.0402% | 2,700 |
| Return on Equity (ROE) | 7.7031% | 2,637 |
| Retained earnings to average equity (ytd only) | 5.3329% | 2,143 |
| Net charge-offs to loans | 0.0349% | 1,714 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 835 |
| Efficiency ratio | 70.0346% | 2,346 |
| Assets per employee ($millions) | 5.2145% | 2,408 |
| Cash dividends to net income (ytd only)* | 30.7692% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8060% | 699 |
| Loan loss allowance to noncurrent loans | 72.7582% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.9673% | 433 |
| Noncurrent loans to loans | 2.4822% | 490 |
| Net loans and leases to total assets | 51.0027% | 4,179 |
| Net loans and leases to deposits | 61.2931% | 4,142 |
| Net loans and leases to core deposits | 72.1433% | 3,758 |
| Total domestic deposits to total assets | 83.2111% | 3,040 |
| Equity capital to assets | 11.3225% | 2,573 |
| Core capital (leverage) ratio | 10.9997% | 2,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9193% | 876 |
| Memoranda: | ||
| Average total assets | $366,080,500 | 1,902 |
| Average earning assets | $339,545,500 | 1,895 |
| Average equity | $40,503,000 | 1,968 |
| Average total loans | $194,643,500 | 2,228 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5208% | 2,873 |
| Cost of funding earning assets | 1.0025% | 1,711 |
| Net interest margin | 3.5184% | 3,391 |
| Noninterest income to average assets | 0.5298% | 2,580 |
| Noninterest expense to average assets | 2.6233% | 3,112 |
| Loan and lease loss provision to assets | 0.4289% | 322 |
| Net operating income to assets | 0.6127% | 4,121 |
| Return on assets (ROA) | 0.6269% | 4,143 |
| Pretax return on assets | 0.7610% | 4,056 |
| Return on Equity (ROE) | 5.6066% | 4,033 |
| Retained earnings to average equity (ytd only) | 2.4565% | 3,801 |
| Net charge-offs to loans | 0.5201% | 357 |
| Credit loss provision to net charge-offs | 139.1705% | 1,853 |
| Earnings coverage of net charge-offs (x) | 3.8046% | 3,283 |
| Efficiency ratio | 69.1087% | 2,301 |
| Assets per employee ($millions) | 5.0992% | 2,456 |
| Cash dividends to net income (ytd only)* | 56.1849% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7226% | 762 |
| Loan loss allowance to noncurrent loans | 117.2461% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 1.4733% | 693 |
| Noncurrent loans to loans | 1.4692% | 989 |
| Net loans and leases to total assets | 53.4544% | 4,116 |
| Net loans and leases to deposits | 63.6578% | 4,097 |
| Net loans and leases to core deposits | 75.6757% | 3,598 |
| Total domestic deposits to total assets | 83.9715% | 2,853 |
| Equity capital to assets | 10.8069% | 3,174 |
| Core capital (leverage) ratio | 11.3152% | 2,235 |
| Tier 1 risk-based capital ratio | 18.1785% | 1,721 |
| Total risk-based capital ratio | 19.4324% | 1,671 |
| Memoranda: | ||
| Average total assets | $352,035,000 | 1,902 |
| Average earning assets | $326,797,400 | 1,893 |
| Average equity | $39,364,200 | 1,965 |
| Average total loans | $208,632,000 | 2,096 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5526% | 2,885 |
| Cost of funding earning assets | 0.9871% | 1,813 |
| Net interest margin | 3.5655% | 3,349 |
| Noninterest income to average assets | 0.5111% | 2,662 |
| Noninterest expense to average assets | 2.6815% | 2,917 |
| Loan and lease loss provision to assets | 0.3484% | 391 |
| Net operating income to assets | 0.6526% | 4,154 |
| Return on assets (ROA) | 0.6604% | 4,188 |
| Pretax return on assets | 0.8028% | 4,111 |
| Return on Equity (ROE) | 5.8544% | 4,086 |
| Retained earnings to average equity (ytd only) | 3.3429% | 3,731 |
| Net charge-offs to loans | 0.5798% | 279 |
| Credit loss provision to net charge-offs | 99.2366% | 2,291 |
| Earnings coverage of net charge-offs (x) | 3.2519% | 3,119 |
| Efficiency ratio | 70.1382% | 2,093 |
| Assets per employee ($millions) | 5.0499% | 2,496 |
| Cash dividends to net income (ytd only)* | 42.8985% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 1,597 |
| Loan loss allowance to noncurrent loans | 137.6029% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 1.3421% | 890 |
| Noncurrent loans to loans | 1.0140% | 1,579 |
| Net loans and leases to total assets | 59.2883% | 3,740 |
| Net loans and leases to deposits | 71.4206% | 3,646 |
| Net loans and leases to core deposits | 80.9365% | 3,316 |
| Total domestic deposits to total assets | 83.0129% | 3,165 |
| Equity capital to assets | 11.1404% | 2,976 |
| Core capital (leverage) ratio | 11.4467% | 2,258 |
| Tier 1 risk-based capital ratio | 17.3019% | 1,999 |
| Total risk-based capital ratio | 18.5526% | 1,958 |
| Memoranda: | ||
| Average total assets | $348,257,500 | 1,926 |
| Average earning assets | $323,499,000 | 1,922 |
| Average equity | $39,286,000 | 1,975 |
| Average total loans | $210,866,250 | 2,094 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5172% | 2,964 |
| Cost of funding earning assets | 0.9625% | 1,855 |
| Net interest margin | 3.5546% | 3,421 |
| Noninterest income to average assets | 0.4791% | 2,788 |
| Noninterest expense to average assets | 2.6564% | 3,039 |
| Loan and lease loss provision to assets | 0.3538% | 365 |
| Net operating income to assets | 0.6389% | 4,198 |
| Return on assets (ROA) | 0.6508% | 4,212 |
| Pretax return on assets | 0.7905% | 4,118 |
| Return on Equity (ROE) | 5.7440% | 4,136 |
| Retained earnings to average equity (ytd only) | 3.6450% | 3,432 |
| Net charge-offs to loans | 0.5055% | 310 |
| Credit loss provision to net charge-offs | 115.3119% | 1,800 |
| Earnings coverage of net charge-offs (x) | 3.6824% | 2,807 |
| Efficiency ratio | 70.1593% | 2,202 |
| Assets per employee ($millions) | 4.7524% | 2,803 |
| Cash dividends to net income (ytd only)* | 36.5419% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4507% | 1,415 |
| Loan loss allowance to noncurrent loans | 60.9329% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 1.5291% | 729 |
| Noncurrent loans to loans | 2.3808% | 526 |
| Net loans and leases to total assets | 61.4652% | 3,606 |
| Net loans and leases to deposits | 74.3892% | 3,490 |
| Net loans and leases to core deposits | 82.6331% | 3,232 |
| Total domestic deposits to total assets | 82.6265% | 3,324 |
| Equity capital to assets | 11.5930% | 2,528 |
| Core capital (leverage) ratio | 11.4199% | 2,230 |
| Tier 1 risk-based capital ratio | 17.4602% | 1,952 |
| Total risk-based capital ratio | 18.7116% | 1,910 |
| Memoranda: | ||
| Average total assets | $344,829,000 | 1,951 |
| Average earning assets | $320,821,670 | 1,943 |
| Average equity | $39,067,000 | 1,974 |
| Average total loans | $209,294,330 | 2,116 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5112% | 2,826 |
| Cost of funding earning assets | 0.9316% | 1,881 |
| Net interest margin | 3.5796% | 3,330 |
| Noninterest income to average assets | 0.3964% | 3,204 |
| Noninterest expense to average assets | 2.5457% | 3,383 |
| Loan and lease loss provision to assets | 0.4044% | 283 |
| Net operating income to assets | 0.6402% | 4,122 |
| Return on assets (ROA) | 0.6402% | 4,161 |
| Pretax return on assets | 0.7765% | 4,107 |
| Return on Equity (ROE) | 5.7163% | 4,112 |
| Retained earnings to average equity (ytd only) | 4.0654% | 3,292 |
| Net charge-offs to loans | 0.5964% | 249 |
| Credit loss provision to net charge-offs | 113.2686% | 1,471 |
| Earnings coverage of net charge-offs (x) | 3.3074% | 2,412 |
| Efficiency ratio | 68.3101% | 2,598 |
| Assets per employee ($millions) | 4.8324% | 2,744 |
| Cash dividends to net income (ytd only)* | 28.8809% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4634% | 1,461 |
| Loan loss allowance to noncurrent loans | 54.1268% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 1.6661% | 669 |
| Noncurrent loans to loans | 2.7037% | 448 |
| Net loans and leases to total assets | 59.1407% | 3,777 |
| Net loans and leases to deposits | 71.2480% | 3,660 |
| Net loans and leases to core deposits | 79.1932% | 3,435 |
| Total domestic deposits to total assets | 83.0068% | 3,383 |
| Equity capital to assets | 11.2329% | 2,621 |
| Core capital (leverage) ratio | 11.3370% | 2,258 |
| Tier 1 risk-based capital ratio | 17.4374% | 1,957 |
| Total risk-based capital ratio | 18.6889% | 1,905 |
| Memoranda: | ||
| Average total assets | $346,158,000 | 1,965 |
| Average earning assets | $322,043,000 | 1,950 |
| Average equity | $38,766,500 | 1,980 |
| Average total loans | $207,235,500 | 2,157 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4005% | 2,756 |
| Cost of funding earning assets | 0.7917% | 1,563 |
| Net interest margin | 3.6087% | 3,351 |
| Noninterest income to average assets | 0.3919% | 3,482 |
| Noninterest expense to average assets | 2.6306% | 3,242 |
| Loan and lease loss provision to assets | 0.2125% | 868 |
| Net operating income to assets | 0.7182% | 4,088 |
| Return on assets (ROA) | 0.6538% | 4,278 |
| Pretax return on assets | 0.8123% | 4,139 |
| Return on Equity (ROE) | 5.7427% | 4,254 |
| Retained earnings to average equity (ytd only) | 3.0818% | 3,856 |
| Net charge-offs to loans | 0.3659% | 525 |
| Credit loss provision to net charge-offs | 93.7500% | 2,667 |
| Earnings coverage of net charge-offs (x) | 4.8763% | 3,250 |
| Efficiency ratio | 70.4131% | 2,120 |
| Assets per employee ($millions) | 4.9911% | 2,517 |
| Cash dividends to net income (ytd only)* | 46.3347% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 1,398 |
| Loan loss allowance to noncurrent loans | 48.0785% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 1.8209% | 561 |
| Noncurrent loans to loans | 3.0494% | 328 |
| Net loans and leases to total assets | 58.8386% | 3,889 |
| Net loans and leases to deposits | 70.8484% | 3,758 |
| Net loans and leases to core deposits | 79.0353% | 3,498 |
| Total domestic deposits to total assets | 83.0485% | 3,311 |
| Equity capital to assets | 11.1649% | 2,540 |
| Core capital (leverage) ratio | 11.6459% | 1,995 |
| Tier 1 risk-based capital ratio | 18.2100% | 1,693 |
| Total risk-based capital ratio | 19.4623% | 1,644 |
| Memoranda: | ||
| Average total assets | $331,755,200 | 1,979 |
| Average earning assets | $307,422,600 | 1,984 |
| Average equity | $37,769,800 | 1,949 |
| Average total loans | $205,524,200 | 2,133 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3517% | 2,785 |
| Cost of funding earning assets | 0.7537% | 1,567 |
| Net interest margin | 3.5980% | 3,375 |
| Noninterest income to average assets | 0.3749% | 3,633 |
| Noninterest expense to average assets | 2.6451% | 3,136 |
| Loan and lease loss provision to assets | 0.1948% | 905 |
| Net operating income to assets | 0.6904% | 4,254 |
| Return on assets (ROA) | 0.6038% | 4,504 |
| Pretax return on assets | 0.7563% | 4,411 |
| Return on Equity (ROE) | 5.2765% | 4,482 |
| Retained earnings to average equity (ytd only) | 3.1311% | 4,182 |
| Net charge-offs to loans | 0.1882% | 889 |
| Credit loss provision to net charge-offs | 165.5172% | 1,603 |
| Earnings coverage of net charge-offs (x) | 9.0034% | 2,671 |
| Efficiency ratio | 71.4020% | 1,978 |
| Assets per employee ($millions) | 5.0792% | 2,368 |
| Cash dividends to net income (ytd only)* | 40.6588% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5981% | 1,089 |
| Loan loss allowance to noncurrent loans | 48.6094% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 1.9653% | 545 |
| Noncurrent loans to loans | 3.2876% | 308 |
| Net loans and leases to total assets | 58.8238% | 3,965 |
| Net loans and leases to deposits | 70.3271% | 3,892 |
| Net loans and leases to core deposits | 78.7758% | 3,591 |
| Total domestic deposits to total assets | 83.6431% | 3,064 |
| Equity capital to assets | 11.1778% | 2,498 |
| Core capital (leverage) ratio | 11.7069% | 2,006 |
| Tier 1 risk-based capital ratio | 18.1730% | 1,749 |
| Total risk-based capital ratio | 19.4267% | 1,698 |
| Memoranda: | ||
| Average total assets | $328,598,250 | 2,008 |
| Average earning assets | $304,086,000 | 2,012 |
| Average equity | $37,599,750 | 1,963 |
| Average total loans | $205,494,000 | 2,146 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3340% | 2,649 |
| Cost of funding earning assets | 0.7127% | 1,558 |
| Net interest margin | 3.6214% | 3,234 |
| Noninterest income to average assets | 0.3314% | 3,967 |
| Noninterest expense to average assets | 2.6794% | 3,082 |
| Loan and lease loss provision to assets | 0.1417% | 1,377 |
| Net operating income to assets | 0.6738% | 4,270 |
| Return on assets (ROA) | 0.5439% | 4,645 |
| Pretax return on assets | 0.6948% | 4,529 |
| Return on Equity (ROE) | 4.7152% | 4,632 |
| Retained earnings to average equity (ytd only) | 2.4190% | 4,296 |
| Net charge-offs to loans | 0.2454% | 646 |
| Credit loss provision to net charge-offs | 90.9091% | 2,146 |
| Earnings coverage of net charge-offs (x) | 6.4229% | 2,629 |
| Efficiency ratio | 72.8033% | 1,872 |
| Assets per employee ($millions) | 5.0416% | 2,362 |
| Cash dividends to net income (ytd only)* | 48.6976% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4595% | 1,524 |
| Loan loss allowance to noncurrent loans | 43.1676% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 2.1483% | 472 |
| Noncurrent loans to loans | 3.3811% | 303 |
| Net loans and leases to total assets | 62.6098% | 3,536 |
| Net loans and leases to deposits | 75.2821% | 3,415 |
| Net loans and leases to core deposits | 84.1989% | 3,064 |
| Total domestic deposits to total assets | 83.1669% | 3,362 |
| Equity capital to assets | 11.4990% | 2,199 |
| Core capital (leverage) ratio | 11.6628% | 1,932 |
| Tier 1 risk-based capital ratio | 17.8161% | 1,853 |
| Total risk-based capital ratio | 19.0686% | 1,815 |
| Memoranda: | ||
| Average total assets | $324,695,000 | 2,034 |
| Average earning assets | $300,274,330 | 2,046 |
| Average equity | $37,453,330 | 1,970 |
| Average total loans | $206,181,000 | 2,141 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4005% | 2,196 |
| Cost of funding earning assets | 0.6698% | 1,603 |
| Net interest margin | 3.7307% | 2,685 |
| Noninterest income to average assets | 0.1411% | 5,164 |
| Noninterest expense to average assets | 2.6758% | 3,110 |
| Loan and lease loss provision to assets | 0.0743% | 2,282 |
| Net operating income to assets | 0.6225% | 4,366 |
| Return on assets (ROA) | 0.3614% | 5,002 |
| Pretax return on assets | 0.5074% | 4,857 |
| Return on Equity (ROE) | 3.1281% | 4,991 |
| Retained earnings to average equity (ytd only) | 0.9320% | 4,644 |
| Net charge-offs to loans | -0.0604% | 5,055 |
| Credit loss provision to net charge-offs | -193.5484% | 3,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5774% | 1,812 |
| Assets per employee ($millions) | 4.8611% | 2,661 |
| Cash dividends to net income (ytd only)* | 70.2055% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5281% | 1,354 |
| Loan loss allowance to noncurrent loans | 81.2419% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 1.1916% | 1,282 |
| Noncurrent loans to loans | 1.8810% | 872 |
| Net loans and leases to total assets | 62.3831% | 3,502 |
| Net loans and leases to deposits | 74.8354% | 3,331 |
| Net loans and leases to core deposits | 82.8941% | 3,073 |
| Total domestic deposits to total assets | 83.3603% | 3,560 |
| Equity capital to assets | 11.4701% | 2,156 |
| Core capital (leverage) ratio | 11.6012% | 1,930 |
| Tier 1 risk-based capital ratio | 17.8500% | 1,877 |
| Total risk-based capital ratio | 19.1033% | 1,825 |
| Memoranda: | ||
| Average total assets | $323,189,500 | 2,059 |
| Average earning assets | $298,604,500 | 2,071 |
| Average equity | $37,338,500 | 1,983 |
| Average total loans | $205,164,000 | 2,158 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2049% | 2,671 |
| Cost of funding earning assets | 0.5019% | 2,320 |
| Net interest margin | 3.7030% | 2,782 |
| Noninterest income to average assets | 0.4730% | 3,169 |
| Noninterest expense to average assets | 2.7399% | 2,997 |
| Loan and lease loss provision to assets | 0.1418% | 1,601 |
| Net operating income to assets | 0.5394% | 4,263 |
| Return on assets (ROA) | 0.5394% | 4,298 |
| Pretax return on assets | 1.0112% | 3,524 |
| Return on Equity (ROE) | 4.6001% | 4,317 |
| Retained earnings to average equity (ytd only) | 2.3134% | 3,935 |
| Net charge-offs to loans | 0.1039% | 2,025 |
| Credit loss provision to net charge-offs | 222.6601% | 1,236 |
| Earnings coverage of net charge-offs (x) | 18.1084% | 2,090 |
| Efficiency ratio | 70.3835% | 2,493 |
| Assets per employee ($millions) | 4.8589% | 2,663 |
| Cash dividends to net income (ytd only)* | 49.7093% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5010% | 1,405 |
| Loan loss allowance to noncurrent loans | 113.0724% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.8572% | 1,816 |
| Noncurrent loans to loans | 1.3275% | 1,312 |
| Net loans and leases to total assets | 62.6581% | 3,536 |
| Net loans and leases to deposits | 75.2381% | 3,411 |
| Net loans and leases to core deposits | 82.5878% | 3,193 |
| Total domestic deposits to total assets | 83.2797% | 3,475 |
| Equity capital to assets | 11.6375% | 2,088 |
| Core capital (leverage) ratio | 11.7194% | 1,778 |
| Tier 1 risk-based capital ratio | 17.8424% | 1,846 |
| Total risk-based capital ratio | 19.0953% | 1,793 |
| Memoranda: | ||
| Average total assets | $318,843,600 | 2,070 |
| Average earning assets | $294,465,600 | 2,072 |
| Average equity | $37,390,400 | 1,956 |
| Average total loans | $195,448,600 | 2,197 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1719% | 2,709 |
| Cost of funding earning assets | 0.4771% | 2,455 |
| Net interest margin | 3.6947% | 2,777 |
| Noninterest income to average assets | 0.4665% | 3,238 |
| Noninterest expense to average assets | 2.6320% | 3,309 |
| Loan and lease loss provision to assets | 0.0218% | 3,710 |
| Net operating income to assets | 0.8618% | 3,219 |
| Return on assets (ROA) | 0.8618% | 3,268 |
| Pretax return on assets | 1.2274% | 2,795 |
| Return on Equity (ROE) | 7.3351% | 3,478 |
| Retained earnings to average equity (ytd only) | 5.6600% | 2,456 |
| Net charge-offs to loans | 0.1241% | 1,545 |
| Credit loss provision to net charge-offs | 28.8889% | 3,092 |
| Earnings coverage of net charge-offs (x) | 16.5725% | 2,160 |
| Efficiency ratio | 67.8140% | 2,907 |
| Assets per employee ($millions) | 5.0273% | 2,419 |
| Cash dividends to net income (ytd only)* | 22.8377% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 2,122 |
| Loan loss allowance to noncurrent loans | 549.0798% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.1939% | 4,328 |
| Noncurrent loans to loans | 0.2457% | 4,070 |
| Net loans and leases to total assets | 61.9876% | 3,652 |
| Net loans and leases to deposits | 74.3394% | 3,533 |
| Net loans and leases to core deposits | 81.0326% | 3,369 |
| Total domestic deposits to total assets | 83.3845% | 3,332 |
| Equity capital to assets | 12.0800% | 1,917 |
| Core capital (leverage) ratio | 11.9786% | 1,701 |
| Tier 1 risk-based capital ratio | 18.3707% | 1,765 |
| Total risk-based capital ratio | 19.6214% | 1,716 |
| Memoranda: | ||
| Average total assets | $318,382,500 | 2,085 |
| Average earning assets | $294,249,250 | 2,088 |
| Average equity | $37,408,000 | 1,964 |
| Average total loans | $193,311,000 | 2,227 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0744% | 2,919 |
| Cost of funding earning assets | 0.4596% | 2,513 |
| Net interest margin | 3.6148% | 2,979 |
| Noninterest income to average assets | 0.4520% | 3,340 |
| Noninterest expense to average assets | 2.6388% | 3,314 |
| Loan and lease loss provision to assets | 0.0188% | 3,592 |
| Net operating income to assets | 0.8055% | 3,372 |
| Return on assets (ROA) | 0.8055% | 3,429 |
| Pretax return on assets | 1.1420% | 3,003 |
| Return on Equity (ROE) | 6.9120% | 3,600 |
| Retained earnings to average equity (ytd only) | 5.0533% | 2,677 |
| Net charge-offs to loans | 0.1985% | 1,017 |
| Credit loss provision to net charge-offs | 15.7895% | 2,817 |
| Earnings coverage of net charge-offs (x) | 9.7316% | 2,401 |
| Efficiency ratio | 69.4481% | 2,774 |
| Assets per employee ($millions) | 4.9454% | 2,458 |
| Cash dividends to net income (ytd only)* | 26.8901% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 2,220 |
| Loan loss allowance to noncurrent loans | 205.0232% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.4310% | 3,388 |
| Noncurrent loans to loans | 0.6542% | 2,781 |
| Net loans and leases to total assets | 61.6577% | 3,670 |
| Net loans and leases to deposits | 73.5762% | 3,588 |
| Net loans and leases to core deposits | 78.9808% | 3,508 |
| Total domestic deposits to total assets | 83.8012% | 3,283 |
| Equity capital to assets | 11.9000% | 2,003 |
| Core capital (leverage) ratio | 11.8013% | 1,764 |
| Tier 1 risk-based capital ratio | 17.8928% | 1,888 |
| Total risk-based capital ratio | 19.1433% | 1,840 |
| Memoranda: | ||
| Average total assets | $318,553,000 | 2,090 |
| Average earning assets | $295,011,000 | 2,088 |
| Average equity | $37,124,000 | 1,974 |
| Average total loans | $191,410,000 | 2,247 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9977% | 3,049 |
| Cost of funding earning assets | 0.4446% | 2,572 |
| Net interest margin | 3.5531% | 3,075 |
| Noninterest income to average assets | 0.4218% | 3,510 |
| Noninterest expense to average assets | 2.5809% | 3,557 |
| Loan and lease loss provision to assets | 0.0375% | 3,046 |
| Net operating income to assets | 0.7735% | 3,345 |
| Return on assets (ROA) | 0.7735% | 3,401 |
| Pretax return on assets | 1.0939% | 3,013 |
| Return on Equity (ROE) | 6.7075% | 3,544 |
| Retained earnings to average equity (ytd only) | 4.9710% | 2,914 |
| Net charge-offs to loans | 0.5356% | 332 |
| Credit loss provision to net charge-offs | 11.9048% | 2,215 |
| Earnings coverage of net charge-offs (x) | 3.5873% | 2,469 |
| Efficiency ratio | 69.5212% | 2,967 |
| Assets per employee ($millions) | 4.8178% | 2,671 |
| Cash dividends to net income (ytd only)* | 25.8900% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3884% | 2,121 |
| Loan loss allowance to noncurrent loans | 137.5265% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.6145% | 2,796 |
| Noncurrent loans to loans | 1.0096% | 2,033 |
| Net loans and leases to total assets | 57.8744% | 3,985 |
| Net loans and leases to deposits | 68.8249% | 3,907 |
| Net loans and leases to core deposits | 73.9583% | 3,837 |
| Total domestic deposits to total assets | 84.0893% | 3,445 |
| Equity capital to assets | 11.6720% | 2,062 |
| Core capital (leverage) ratio | 11.4765% | 1,969 |
| Tier 1 risk-based capital ratio | 19.1452% | 1,578 |
| Total risk-based capital ratio | 20.3964% | 1,542 |
| Memoranda: | ||
| Average total assets | $319,577,500 | 2,096 |
| Average earning assets | $295,969,000 | 2,096 |
| Average equity | $36,854,000 | 1,990 |
| Average total loans | $188,214,000 | 2,288 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1345% | 2,715 |
| Cost of funding earning assets | 0.4267% | 2,743 |
| Net interest margin | 3.7078% | 2,660 |
| Noninterest income to average assets | 0.4426% | 3,599 |
| Noninterest expense to average assets | 2.5458% | 3,856 |
| Loan and lease loss provision to assets | 0.0655% | 3,056 |
| Net operating income to assets | 0.8121% | 3,250 |
| Return on assets (ROA) | 0.8121% | 3,360 |
| Pretax return on assets | 1.2784% | 2,363 |
| Return on Equity (ROE) | 7.1821% | 3,380 |
| Retained earnings to average equity (ytd only) | 4.3805% | 2,792 |
| Net charge-offs to loans | 0.0613% | 2,833 |
| Credit loss provision to net charge-offs | 173.5537% | 1,602 |
| Earnings coverage of net charge-offs (x) | 35.5868% | 1,284 |
| Efficiency ratio | 65.4497% | 3,683 |
| Assets per employee ($millions) | 4.9412% | 2,455 |
| Cash dividends to net income (ytd only)* | 39.0085% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4820% | 1,746 |
| Loan loss allowance to noncurrent loans | 111.9379% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.8042% | 2,342 |
| Noncurrent loans to loans | 1.3239% | 1,555 |
| Net loans and leases to total assets | 58.2222% | 4,050 |
| Net loans and leases to deposits | 68.5660% | 4,045 |
| Net loans and leases to core deposits | 74.1496% | 3,911 |
| Total domestic deposits to total assets | 84.9141% | 3,088 |
| Equity capital to assets | 11.3936% | 2,248 |
| Core capital (leverage) ratio | 11.3423% | 2,046 |
| Tier 1 risk-based capital ratio | 18.8027% | 1,656 |
| Total risk-based capital ratio | 20.0552% | 1,618 |
| Memoranda: | ||
| Average total assets | $320,412,600 | 2,057 |
| Average earning assets | $297,882,200 | 2,058 |
| Average equity | $36,228,800 | 2,012 |
| Average total loans | $197,278,200 | 2,138 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1580% | 2,653 |
| Cost of funding earning assets | 0.4204% | 2,839 |
| Net interest margin | 3.7376% | 2,563 |
| Noninterest income to average assets | 0.4588% | 3,498 |
| Noninterest expense to average assets | 2.7131% | 3,321 |
| Loan and lease loss provision to assets | 0.0874% | 2,482 |
| Net operating income to assets | 0.7928% | 3,401 |
| Return on assets (ROA) | 0.7928% | 3,543 |
| Pretax return on assets | 1.1346% | 3,098 |
| Return on Equity (ROE) | 7.0248% | 3,549 |
| Retained earnings to average equity (ytd only) | 5.3092% | 2,618 |
| Net charge-offs to loans | 0.0810% | 2,161 |
| Credit loss provision to net charge-offs | 173.5537% | 1,606 |
| Earnings coverage of net charge-offs (x) | 24.2561% | 1,684 |
| Efficiency ratio | 68.9451% | 3,051 |
| Assets per employee ($millions) | 4.7189% | 2,715 |
| Cash dividends to net income (ytd only)* | 24.4221% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 2,061 |
| Loan loss allowance to noncurrent loans | 110.7917% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 0.8131% | 2,509 |
| Noncurrent loans to loans | 1.2919% | 1,728 |
| Net loans and leases to total assets | 60.3691% | 3,831 |
| Net loans and leases to deposits | 71.4131% | 3,850 |
| Net loans and leases to core deposits | 77.3787% | 3,715 |
| Total domestic deposits to total assets | 84.5350% | 3,014 |
| Equity capital to assets | 11.5134% | 2,500 |
| Core capital (leverage) ratio | 11.3818% | 2,124 |
| Tier 1 risk-based capital ratio | 18.6028% | 1,766 |
| Total risk-based capital ratio | 19.8554% | 1,726 |
| Memoranda: | ||
| Average total assets | $320,220,750 | 2,059 |
| Average earning assets | $297,831,500 | 2,057 |
| Average equity | $36,137,500 | 2,029 |
| Average total loans | $199,145,000 | 2,133 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1571% | 2,651 |
| Cost of funding earning assets | 0.4124% | 2,918 |
| Net interest margin | 3.7448% | 2,533 |
| Noninterest income to average assets | 0.4613% | 3,452 |
| Noninterest expense to average assets | 2.7044% | 3,383 |
| Loan and lease loss provision to assets | 0.1063% | 2,086 |
| Net operating income to assets | 0.7931% | 3,341 |
| Return on assets (ROA) | 0.7931% | 3,485 |
| Pretax return on assets | 1.1356% | 3,058 |
| Return on Equity (ROE) | 7.0759% | 3,497 |
| Retained earnings to average equity (ytd only) | 5.1801% | 2,613 |
| Net charge-offs to loans | 0.1250% | 1,596 |
| Credit loss provision to net charge-offs | 136.0000% | 1,717 |
| Earnings coverage of net charge-offs (x) | 15.8960% | 1,963 |
| Efficiency ratio | 68.5303% | 3,240 |
| Assets per employee ($millions) | 4.4234% | 3,175 |
| Cash dividends to net income (ytd only)* | 26.7928% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3770% | 2,398 |
| Loan loss allowance to noncurrent loans | 126.8438% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.7074% | 2,858 |
| Noncurrent loans to loans | 1.0856% | 2,117 |
| Net loans and leases to total assets | 62.2689% | 3,594 |
| Net loans and leases to deposits | 73.6879% | 3,632 |
| Net loans and leases to core deposits | 79.6220% | 3,499 |
| Total domestic deposits to total assets | 84.5035% | 3,090 |
| Equity capital to assets | 11.4555% | 2,594 |
| Core capital (leverage) ratio | 11.2018% | 2,231 |
| Tier 1 risk-based capital ratio | 17.8177% | 1,986 |
| Total risk-based capital ratio | 19.0691% | 1,945 |
| Memoranda: | ||
| Average total assets | $319,999,000 | 2,074 |
| Average earning assets | $297,802,670 | 2,068 |
| Average equity | $35,868,330 | 2,043 |
| Average total loans | $200,017,000 | 2,127 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1206% | 2,773 |
| Cost of funding earning assets | 0.4115% | 2,939 |
| Net interest margin | 3.7091% | 2,631 |
| Noninterest income to average assets | 0.4028% | 3,807 |
| Noninterest expense to average assets | 2.6587% | 3,546 |
| Loan and lease loss provision to assets | 0.0748% | 2,466 |
| Net operating income to assets | 0.7832% | 3,332 |
| Return on assets (ROA) | 0.7832% | 3,438 |
| Pretax return on assets | 1.1199% | 3,015 |
| Return on Equity (ROE) | 7.0640% | 3,419 |
| Retained earnings to average equity (ytd only) | 5.6017% | 2,581 |
| Net charge-offs to loans | 0.2727% | 775 |
| Credit loss provision to net charge-offs | 44.1176% | 2,106 |
| Earnings coverage of net charge-offs (x) | 7.0441% | 2,184 |
| Efficiency ratio | 68.9968% | 3,302 |
| Assets per employee ($millions) | 4.4920% | 3,085 |
| Cash dividends to net income (ytd only)* | 20.7006% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3330% | 2,744 |
| Loan loss allowance to noncurrent loans | 138.9093% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.6199% | 3,203 |
| Noncurrent loans to loans | 0.9596% | 2,457 |
| Net loans and leases to total assets | 61.4800% | 3,597 |
| Net loans and leases to deposits | 72.3489% | 3,618 |
| Net loans and leases to core deposits | 77.4683% | 3,547 |
| Total domestic deposits to total assets | 84.9771% | 3,141 |
| Equity capital to assets | 11.2566% | 2,670 |
| Core capital (leverage) ratio | 11.0463% | 2,362 |
| Tier 1 risk-based capital ratio | 17.7562% | 2,052 |
| Total risk-based capital ratio | 19.0072% | 2,014 |
| Memoranda: | ||
| Average total assets | $320,755,500 | 2,080 |
| Average earning assets | $298,404,000 | 2,069 |
| Average equity | $35,560,500 | 2,054 |
| Average total loans | $199,482,500 | 2,136 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1720% | 2,652 |
| Cost of funding earning assets | 0.3993% | 3,171 |
| Net interest margin | 3.7726% | 2,468 |
| Noninterest income to average assets | 0.6106% | 2,670 |
| Noninterest expense to average assets | 2.6395% | 3,784 |
| Loan and lease loss provision to assets | 0.0723% | 2,825 |
| Net operating income to assets | 0.9731% | 2,503 |
| Return on assets (ROA) | 0.9731% | 2,580 |
| Pretax return on assets | 1.4060% | 1,879 |
| Return on Equity (ROE) | 9.4887% | 2,225 |
| Retained earnings to average equity (ytd only) | 7.6685% | 1,030 |
| Net charge-offs to loans | 0.0515% | 3,171 |
| Credit loss provision to net charge-offs | 228.5714% | 1,245 |
| Earnings coverage of net charge-offs (x) | 46.7619% | 1,049 |
| Efficiency ratio | 64.1003% | 4,240 |
| Assets per employee ($millions) | 4.4189% | 3,178 |
| Cash dividends to net income (ytd only)* | 19.1832% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 2,617 |
| Loan loss allowance to noncurrent loans | 150.0826% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.5791% | 3,355 |
| Noncurrent loans to loans | 0.9064% | 2,524 |
| Net loans and leases to total assets | 61.2292% | 3,659 |
| Net loans and leases to deposits | 71.9135% | 3,729 |
| Net loans and leases to core deposits | 77.3653% | 3,620 |
| Total domestic deposits to total assets | 85.1428% | 3,022 |
| Equity capital to assets | 10.9183% | 2,907 |
| Core capital (leverage) ratio | 10.6589% | 2,764 |
| Tier 1 risk-based capital ratio | 17.1426% | 2,237 |
| Total risk-based capital ratio | 18.3938% | 2,188 |
| Memoranda: | ||
| Average total assets | $332,144,000 | 1,980 |
| Average earning assets | $308,775,200 | 1,972 |
| Average equity | $34,061,600 | 2,089 |
| Average total loans | $204,001,400 | 2,041 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1606% | 2,718 |
| Cost of funding earning assets | 0.3957% | 3,264 |
| Net interest margin | 3.7649% | 2,508 |
| Noninterest income to average assets | 0.5946% | 2,773 |
| Noninterest expense to average assets | 2.6516% | 3,717 |
| Loan and lease loss provision to assets | 0.0598% | 2,989 |
| Net operating income to assets | 0.9581% | 2,679 |
| Return on assets (ROA) | 0.9581% | 2,768 |
| Pretax return on assets | 1.3834% | 2,083 |
| Return on Equity (ROE) | 9.4909% | 2,318 |
| Retained earnings to average equity (ytd only) | 8.0301% | 1,235 |
| Net charge-offs to loans | 0.0612% | 2,721 |
| Credit loss provision to net charge-offs | 159.5745% | 1,603 |
| Earnings coverage of net charge-offs (x) | 38.5213% | 1,283 |
| Efficiency ratio | 64.7557% | 4,110 |
| Assets per employee ($millions) | 4.0879% | 3,724 |
| Cash dividends to net income (ytd only)* | 15.3910% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 3,289 |
| Loan loss allowance to noncurrent loans | 163.8786% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.4935% | 3,845 |
| Noncurrent loans to loans | 0.7708% | 3,036 |
| Net loans and leases to total assets | 63.2232% | 3,417 |
| Net loans and leases to deposits | 74.0847% | 3,539 |
| Net loans and leases to core deposits | 79.4754% | 3,467 |
| Total domestic deposits to total assets | 85.3390% | 2,857 |
| Equity capital to assets | 10.6488% | 3,415 |
| Core capital (leverage) ratio | 10.5632% | 2,969 |
| Tier 1 risk-based capital ratio | 15.8377% | 2,875 |
| Total risk-based capital ratio | 17.0588% | 2,827 |
| Memoranda: | ||
| Average total assets | $334,535,500 | 1,973 |
| Average earning assets | $311,004,500 | 1,961 |
| Average equity | $33,772,000 | 2,115 |
| Average total loans | $204,942,750 | 2,041 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0851% | 2,951 |
| Cost of funding earning assets | 0.3923% | 3,350 |
| Net interest margin | 3.6928% | 2,740 |
| Noninterest income to average assets | 0.5691% | 2,909 |
| Noninterest expense to average assets | 2.6620% | 3,716 |
| Loan and lease loss provision to assets | 0.0534% | 3,051 |
| Net operating income to assets | 0.8955% | 2,901 |
| Return on assets (ROA) | 0.8955% | 3,027 |
| Pretax return on assets | 1.2889% | 2,403 |
| Return on Equity (ROE) | 9.0303% | 2,524 |
| Retained earnings to average equity (ytd only) | 7.4145% | 1,512 |
| Net charge-offs to loans | 0.0442% | 2,816 |
| Credit loss provision to net charge-offs | 200.0000% | 1,223 |
| Earnings coverage of net charge-offs (x) | 50.2667% | 953 |
| Efficiency ratio | 66.4790% | 3,926 |
| Assets per employee ($millions) | 4.1792% | 3,509 |
| Cash dividends to net income (ytd only)* | 17.8926% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 3,449 |
| Loan loss allowance to noncurrent loans | 1,343.8776% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.1368% | 5,310 |
| Noncurrent loans to loans | 0.0938% | 5,368 |
| Net loans and leases to total assets | 63.2637% | 3,377 |
| Net loans and leases to deposits | 73.4066% | 3,565 |
| Net loans and leases to core deposits | 78.0412% | 3,565 |
| Total domestic deposits to total assets | 86.1826% | 2,590 |
| Equity capital to assets | 10.4046% | 3,557 |
| Core capital (leverage) ratio | 10.2505% | 3,284 |
| Tier 1 risk-based capital ratio | 15.4475% | 3,128 |
| Total risk-based capital ratio | 16.6619% | 3,090 |
| Memoranda: | ||
| Average total assets | $337,036,670 | 1,970 |
| Average earning assets | $313,532,000 | 1,958 |
| Average equity | $33,421,000 | 2,142 |
| Average total loans | $203,455,330 | 2,058 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9911% | 3,259 |
| Cost of funding earning assets | 0.3876% | 3,440 |
| Net interest margin | 3.6035% | 2,985 |
| Noninterest income to average assets | 0.5138% | 3,199 |
| Noninterest expense to average assets | 2.5724% | 4,023 |
| Loan and lease loss provision to assets | 0.0525% | 2,892 |
| Net operating income to assets | 0.8652% | 2,931 |
| Return on assets (ROA) | 0.8652% | 3,047 |
| Pretax return on assets | 1.2436% | 2,498 |
| Return on Equity (ROE) | 8.9350% | 2,475 |
| Retained earnings to average equity (ytd only) | 8.9350% | 1,222 |
| Net charge-offs to loans | 0.0020% | 3,248 |
| Credit loss provision to net charge-offs | 4,500.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 1,110.0000% | 33 |
| Efficiency ratio | 66.4956% | 4,066 |
| Assets per employee ($millions) | 4.2182% | 3,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 3,289 |
| Loan loss allowance to noncurrent loans | 352.9491% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 4,759 |
| Noncurrent loans to loans | 0.3750% | 4,469 |
| Net loans and leases to total assets | 59.6645% | 3,702 |
| Net loans and leases to deposits | 69.3906% | 3,810 |
| Net loans and leases to core deposits | 73.4809% | 3,828 |
| Total domestic deposits to total assets | 85.9835% | 2,948 |
| Equity capital to assets | 10.2286% | 3,854 |
| Core capital (leverage) ratio | 9.9555% | 3,659 |
| Tier 1 risk-based capital ratio | 15.7151% | 3,053 |
| Total risk-based capital ratio | 16.9677% | 2,990 |
| Memoranda: | ||
| Average total assets | $342,565,000 | 1,946 |
| Average earning assets | $318,913,000 | 1,931 |
| Average equity | $33,173,000 | 2,165 |
| Average total loans | $200,752,500 | 2,082 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3188% | 2,535 |
| Cost of funding earning assets | 0.4437% | 3,232 |
| Net interest margin | 3.8752% | 2,336 |
| Noninterest income to average assets | 0.4953% | 3,549 |
| Noninterest expense to average assets | 2.6191% | 4,147 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9894% | 2,434 |
| Return on assets (ROA) | 0.9894% | 2,514 |
| Pretax return on assets | 1.4710% | 1,652 |
| Return on Equity (ROE) | 9.3334% | 2,422 |
| Retained earnings to average equity (ytd only) | -7.2982% | 6,251 |
| Net charge-offs to loans | -0.0246% | 5,747 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0354% | 4,579 |
| Assets per employee ($millions) | 4.4514% | 3,118 |
| Cash dividends to net income (ytd only)* | 178.1948% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2781% | 3,554 |
| Loan loss allowance to noncurrent loans | 1,166.2162% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 5,446 |
| Noncurrent loans to loans | 0.1096% | 5,455 |
| Net loans and leases to total assets | 56.1554% | 4,315 |
| Net loans and leases to deposits | 65.0234% | 4,426 |
| Net loans and leases to core deposits | 68.4089% | 4,461 |
| Total domestic deposits to total assets | 86.3618% | 2,637 |
| Equity capital to assets | 9.1803% | 5,094 |
| Core capital (leverage) ratio | 9.6379% | 4,047 |
| Tier 1 risk-based capital ratio | 15.2443% | 3,351 |
| Total risk-based capital ratio | 16.4679% | 3,319 |
| Memoranda: | ||
| Average total assets | $325,837,800 | 1,993 |
| Average earning assets | $302,257,200 | 1,986 |
| Average equity | $34,542,600 | 2,019 |
| Average total loans | $194,837,400 | 2,073 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3888% | 2,258 |
| Cost of funding earning assets | 0.4608% | 3,145 |
| Net interest margin | 3.9280% | 2,125 |
| Noninterest income to average assets | 0.4818% | 3,672 |
| Noninterest expense to average assets | 2.6329% | 4,089 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0142% | 2,389 |
| Return on assets (ROA) | 1.0142% | 2,449 |
| Pretax return on assets | 1.4880% | 1,683 |
| Return on Equity (ROE) | 9.2212% | 2,579 |
| Retained earnings to average equity (ytd only) | 7.0311% | 1,808 |
| Net charge-offs to loans | -0.0359% | 5,800 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8914% | 4,564 |
| Assets per employee ($millions) | 4.5386% | 2,899 |
| Cash dividends to net income (ytd only)* | 23.7506% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 3,677 |
| Loan loss allowance to noncurrent loans | 1,037.2000% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 5,519 |
| Noncurrent loans to loans | 0.1247% | 5,551 |
| Net loans and leases to total assets | 60.5615% | 3,692 |
| Net loans and leases to deposits | 72.3804% | 3,647 |
| Net loans and leases to core deposits | 76.5883% | 3,680 |
| Total domestic deposits to total assets | 83.6711% | 3,892 |
| Equity capital to assets | 11.3166% | 2,648 |
| Core capital (leverage) ratio | 11.2824% | 2,231 |
| Tier 1 risk-based capital ratio | 16.1257% | 3,000 |
| Total risk-based capital ratio | 17.2677% | 3,005 |
| Memoranda: | ||
| Average total assets | $318,269,750 | 2,056 |
| Average earning assets | $294,867,750 | 2,045 |
| Average equity | $35,005,250 | 2,003 |
| Average total loans | $192,905,750 | 2,101 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3838% | 2,239 |
| Cost of funding earning assets | 0.4713% | 3,099 |
| Net interest margin | 3.9126% | 2,109 |
| Noninterest income to average assets | 0.4869% | 3,579 |
| Noninterest expense to average assets | 2.6021% | 4,232 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0278% | 2,213 |
| Return on assets (ROA) | 1.0278% | 2,277 |
| Pretax return on assets | 1.5065% | 1,517 |
| Return on Equity (ROE) | 9.4390% | 2,401 |
| Retained earnings to average equity (ytd only) | 7.7503% | 1,413 |
| Net charge-offs to loans | -0.0557% | 5,927 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3333% | 4,797 |
| Assets per employee ($millions) | 4.4815% | 2,948 |
| Cash dividends to net income (ytd only)* | 17.8902% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3265% | 3,715 |
| Loan loss allowance to noncurrent loans | 1,449.1620% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 5,722 |
| Noncurrent loans to loans | 0.0915% | 5,740 |
| Net loans and leases to total assets | 59.7994% | 3,754 |
| Net loans and leases to deposits | 71.4702% | 3,639 |
| Net loans and leases to core deposits | 75.6889% | 3,652 |
| Total domestic deposits to total assets | 83.6705% | 4,046 |
| Equity capital to assets | 11.3278% | 2,580 |
| Core capital (leverage) ratio | 11.4722% | 2,028 |
| Tier 1 risk-based capital ratio | 16.1123% | 3,035 |
| Total risk-based capital ratio | 17.2697% | 3,011 |
| Memoranda: | ||
| Average total assets | $315,434,000 | 2,073 |
| Average earning assets | $291,982,330 | 2,062 |
| Average equity | $34,347,000 | 2,025 |
| Average total loans | $190,376,330 | 2,123 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3449% | 2,351 |
| Cost of funding earning assets | 0.4834% | 3,083 |
| Net interest margin | 3.8615% | 2,222 |
| Noninterest income to average assets | 0.4413% | 3,857 |
| Noninterest expense to average assets | 2.6477% | 4,122 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9377% | 2,468 |
| Return on assets (ROA) | 0.9377% | 2,543 |
| Pretax return on assets | 1.3700% | 1,851 |
| Return on Equity (ROE) | 8.7953% | 2,550 |
| Retained earnings to average equity (ytd only) | 6.1483% | 2,458 |
| Net charge-offs to loans | -0.1193% | 6,187 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9004% | 4,545 |
| Assets per employee ($millions) | 4.6235% | 2,764 |
| Cash dividends to net income (ytd only)* | 30.0958% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 3,677 |
| Loan loss allowance to noncurrent loans | 11,291.3043% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.1027% | 5,940 |
| Noncurrent loans to loans | 0.0123% | 6,135 |
| Net loans and leases to total assets | 59.6816% | 3,609 |
| Net loans and leases to deposits | 70.4939% | 3,538 |
| Net loans and leases to core deposits | 74.6252% | 3,576 |
| Total domestic deposits to total assets | 84.6620% | 4,014 |
| Equity capital to assets | 10.8434% | 2,889 |
| Core capital (leverage) ratio | 10.7765% | 2,622 |
| Tier 1 risk-based capital ratio | 15.7453% | 3,304 |
| Total risk-based capital ratio | 16.9618% | 3,285 |
| Memoranda: | ||
| Average total assets | $311,817,500 | 2,100 |
| Average earning assets | $288,797,000 | 2,088 |
| Average equity | $33,245,000 | 2,071 |
| Average total loans | $187,791,000 | 2,156 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4213% | 2,505 |
| Cost of funding earning assets | 0.5981% | 2,678 |
| Net interest margin | 3.8232% | 2,560 |
| Noninterest income to average assets | 0.4855% | 3,852 |
| Noninterest expense to average assets | 2.5513% | 4,608 |
| Loan and lease loss provision to assets | 0.0913% | 3,280 |
| Net operating income to assets | 0.9489% | 2,572 |
| Return on assets (ROA) | 0.9489% | 2,646 |
| Pretax return on assets | 1.3943% | 1,794 |
| Return on Equity (ROE) | 9.2524% | 2,434 |
| Retained earnings to average equity (ytd only) | 7.2852% | 1,323 |
| Net charge-offs to loans | 0.2434% | 2,519 |
| Credit loss provision to net charge-offs | 61.4224% | 3,515 |
| Earnings coverage of net charge-offs (x) | 9.9978% | 2,440 |
| Efficiency ratio | 63.2001% | 5,026 |
| Assets per employee ($millions) | 4.4206% | 3,050 |
| Cash dividends to net income (ytd only)* | 21.2622% | 3,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3508% | 3,890 |
| Loan loss allowance to noncurrent loans | 238.5915% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.3696% | 5,144 |
| Noncurrent loans to loans | 0.5662% | 4,574 |
| Net loans and leases to total assets | 59.1236% | 3,856 |
| Net loans and leases to deposits | 69.6295% | 3,825 |
| Net loans and leases to core deposits | 73.6347% | 3,877 |
| Total domestic deposits to total assets | 84.9118% | 3,788 |
| Equity capital to assets | 10.4823% | 3,187 |
| Core capital (leverage) ratio | 10.5352% | 2,876 |
| Tier 1 risk-based capital ratio | 15.2093% | 3,539 |
| Total risk-based capital ratio | 16.3897% | 3,526 |
| Memoranda: | ||
| Average total assets | $312,266,600 | 2,066 |
| Average earning assets | $290,073,600 | 2,045 |
| Average equity | $32,024,000 | 2,129 |
| Average total loans | $190,600,000 | 2,093 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4208% | 2,522 |
| Cost of funding earning assets | 0.6261% | 2,593 |
| Net interest margin | 3.7947% | 2,657 |
| Noninterest income to average assets | 0.4848% | 3,902 |
| Noninterest expense to average assets | 2.5561% | 4,527 |
| Loan and lease loss provision to assets | 0.1133% | 2,874 |
| Net operating income to assets | 0.9153% | 2,755 |
| Return on assets (ROA) | 0.9153% | 2,859 |
| Pretax return on assets | 1.3446% | 2,147 |
| Return on Equity (ROE) | 8.9753% | 2,647 |
| Retained earnings to average equity (ytd only) | 6.3343% | 2,219 |
| Net charge-offs to loans | 0.3186% | 1,948 |
| Credit loss provision to net charge-offs | 57.9869% | 3,340 |
| Earnings coverage of net charge-offs (x) | 7.4617% | 2,792 |
| Efficiency ratio | 63.6809% | 4,857 |
| Assets per employee ($millions) | 4.6527% | 2,641 |
| Cash dividends to net income (ytd only)* | 29.4255% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 4,321 |
| Loan loss allowance to noncurrent loans | 299.8814% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.3055% | 5,504 |
| Noncurrent loans to loans | 0.4377% | 5,104 |
| Net loans and leases to total assets | 61.8975% | 3,381 |
| Net loans and leases to deposits | 72.4344% | 3,462 |
| Net loans and leases to core deposits | 76.6671% | 3,542 |
| Total domestic deposits to total assets | 85.4532% | 3,520 |
| Equity capital to assets | 10.4925% | 3,284 |
| Core capital (leverage) ratio | 10.5513% | 2,952 |
| Tier 1 risk-based capital ratio | 14.6624% | 3,974 |
| Total risk-based capital ratio | 15.8230% | 3,984 |
| Memoranda: | ||
| Average total assets | $311,868,000 | 2,071 |
| Average earning assets | $290,048,250 | 2,051 |
| Average equity | $31,805,000 | 2,161 |
| Average total loans | $191,223,250 | 2,087 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3725% | 2,674 |
| Cost of funding earning assets | 0.6569% | 2,441 |
| Net interest margin | 3.7156% | 2,897 |
| Noninterest income to average assets | 0.4817% | 3,953 |
| Noninterest expense to average assets | 2.5260% | 4,642 |
| Loan and lease loss provision to assets | 0.1467% | 2,498 |
| Net operating income to assets | 0.8645% | 2,972 |
| Return on assets (ROA) | 0.8645% | 3,126 |
| Pretax return on assets | 1.2665% | 2,419 |
| Return on Equity (ROE) | 8.5579% | 2,817 |
| Retained earnings to average equity (ytd only) | 7.1684% | 1,811 |
| Net charge-offs to loans | 0.4896% | 1,338 |
| Credit loss provision to net charge-offs | 49.2505% | 3,224 |
| Earnings coverage of net charge-offs (x) | 4.7430% | 3,048 |
| Efficiency ratio | 64.1237% | 4,849 |
| Assets per employee ($millions) | 4.6027% | 2,644 |
| Cash dividends to net income (ytd only)* | 16.2362% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2980% | 4,520 |
| Loan loss allowance to noncurrent loans | 150.7590% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.5341% | 4,926 |
| Noncurrent loans to loans | 0.8610% | 4,204 |
| Net loans and leases to total assets | 61.2286% | 3,442 |
| Net loans and leases to deposits | 72.1242% | 3,431 |
| Net loans and leases to core deposits | 77.2883% | 3,387 |
| Total domestic deposits to total assets | 84.8933% | 3,947 |
| Equity capital to assets | 10.3165% | 3,527 |
| Core capital (leverage) ratio | 10.2251% | 3,192 |
| Tier 1 risk-based capital ratio | 14.3136% | 4,216 |
| Total risk-based capital ratio | 15.4391% | 4,259 |
| Memoranda: | ||
| Average total assets | $313,465,000 | 2,070 |
| Average earning assets | $291,689,000 | 2,042 |
| Average equity | $31,666,670 | 2,174 |
| Average total loans | $190,764,000 | 2,095 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3471% | 2,703 |
| Cost of funding earning assets | 0.6796% | 2,395 |
| Net interest margin | 3.6675% | 3,001 |
| Noninterest income to average assets | 0.4392% | 4,185 |
| Noninterest expense to average assets | 2.4696% | 4,868 |
| Loan and lease loss provision to assets | 0.1519% | 2,350 |
| Net operating income to assets | 0.8405% | 2,946 |
| Return on assets (ROA) | 0.8405% | 3,090 |
| Pretax return on assets | 1.2266% | 2,483 |
| Return on Equity (ROE) | 8.4069% | 2,769 |
| Retained earnings to average equity (ytd only) | 6.8876% | 2,208 |
| Net charge-offs to loans | 0.9197% | 662 |
| Credit loss provision to net charge-offs | 27.3973% | 2,925 |
| Earnings coverage of net charge-offs (x) | 2.4863% | 3,021 |
| Efficiency ratio | 64.1776% | 4,983 |
| Assets per employee ($millions) | 4.5372% | 2,904 |
| Cash dividends to net income (ytd only)* | 18.0723% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 4,856 |
| Loan loss allowance to noncurrent loans | 100.3759% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 0.7973% | 4,377 |
| Noncurrent loans to loans | 1.2631% | 3,669 |
| Net loans and leases to total assets | 59.7752% | 3,470 |
| Net loans and leases to deposits | 71.2173% | 3,293 |
| Net loans and leases to core deposits | 76.0788% | 3,311 |
| Total domestic deposits to total assets | 83.9335% | 4,504 |
| Equity capital to assets | 10.1585% | 3,945 |
| Core capital (leverage) ratio | 9.9367% | 3,482 |
| Tier 1 risk-based capital ratio | 14.1810% | 4,379 |
| Total risk-based capital ratio | 15.2788% | 4,447 |
| Memoranda: | ||
| Average total assets | $316,008,000 | 2,072 |
| Average earning assets | $293,716,000 | 2,051 |
| Average equity | $31,593,000 | 2,207 |
| Average total loans | $190,496,500 | 2,107 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7682% | 2,330 |
| Cost of funding earning assets | 0.8271% | 2,443 |
| Net interest margin | 3.9411% | 2,645 |
| Noninterest income to average assets | 0.4437% | 4,296 |
| Noninterest expense to average assets | 2.4091% | 5,382 |
| Loan and lease loss provision to assets | 0.0978% | 4,425 |
| Net operating income to assets | 1.1113% | 1,907 |
| Return on assets (ROA) | 1.1113% | 2,078 |
| Pretax return on assets | 1.6104% | 1,354 |
| Return on Equity (ROE) | 11.3806% | 1,690 |
| Retained earnings to average equity (ytd only) | 9.5111% | 697 |
| Net charge-offs to loans | -0.0033% | 6,356 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5115% | 5,763 |
| Assets per employee ($millions) | 4.6224% | 2,745 |
| Cash dividends to net income (ytd only)* | 16.4271% | 3,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4207% | 4,065 |
| Loan loss allowance to noncurrent loans | 114.3338% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.7779% | 4,514 |
| Noncurrent loans to loans | 1.2426% | 3,766 |
| Net loans and leases to total assets | 59.1736% | 3,761 |
| Net loans and leases to deposits | 69.4671% | 3,772 |
| Net loans and leases to core deposits | 74.2915% | 3,741 |
| Total domestic deposits to total assets | 85.1822% | 3,773 |
| Equity capital to assets | 9.8395% | 4,398 |
| Core capital (leverage) ratio | 9.8267% | 3,629 |
| Tier 1 risk-based capital ratio | 13.2847% | 4,912 |
| Total risk-based capital ratio | 14.4625% | 4,894 |
| Memoranda: | ||
| Average total assets | $306,750,200 | 2,097 |
| Average earning assets | $285,938,400 | 2,068 |
| Average equity | $29,954,600 | 2,252 |
| Average total loans | $182,319,000 | 2,174 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8299% | 2,282 |
| Cost of funding earning assets | 0.8531% | 2,513 |
| Net interest margin | 3.9769% | 2,596 |
| Noninterest income to average assets | 0.4311% | 4,408 |
| Noninterest expense to average assets | 2.3984% | 5,404 |
| Loan and lease loss provision to assets | 0.0988% | 4,332 |
| Net operating income to assets | 1.1371% | 1,963 |
| Return on assets (ROA) | 1.1371% | 2,156 |
| Pretax return on assets | 1.6485% | 1,417 |
| Return on Equity (ROE) | 11.6674% | 1,743 |
| Retained earnings to average equity (ytd only) | 9.7754% | 973 |
| Net charge-offs to loans | -0.0052% | 6,278 |
| Credit loss provision to net charge-offs | -3,214.2857% | 6,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8524% | 5,812 |
| Assets per employee ($millions) | 4.4756% | 2,954 |
| Cash dividends to net income (ytd only)* | 16.2163% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4013% | 4,369 |
| Loan loss allowance to noncurrent loans | 122.2839% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.7705% | 4,781 |
| Noncurrent loans to loans | 1.1459% | 4,142 |
| Net loans and leases to total assets | 61.1513% | 3,544 |
| Net loans and leases to deposits | 72.4009% | 3,549 |
| Net loans and leases to core deposits | 77.9546% | 3,468 |
| Total domestic deposits to total assets | 84.4621% | 3,996 |
| Equity capital to assets | 10.1387% | 4,296 |
| Core capital (leverage) ratio | 9.9522% | 3,609 |
| Tier 1 risk-based capital ratio | 13.4021% | 4,948 |
| Total risk-based capital ratio | 14.5917% | 4,957 |
| Memoranda: | ||
| Average total assets | $303,700,750 | 2,132 |
| Average earning assets | $283,667,500 | 2,104 |
| Average equity | $29,597,500 | 2,292 |
| Average total loans | $180,035,500 | 2,227 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8093% | 2,467 |
| Cost of funding earning assets | 0.8735% | 2,625 |
| Net interest margin | 3.9359% | 2,763 |
| Noninterest income to average assets | 0.3835% | 4,765 |
| Noninterest expense to average assets | 2.3942% | 5,481 |
| Loan and lease loss provision to assets | 0.1318% | 3,878 |
| Net operating income to assets | 1.0682% | 2,169 |
| Return on assets (ROA) | 1.0682% | 2,398 |
| Pretax return on assets | 1.5309% | 1,775 |
| Return on Equity (ROE) | 11.1111% | 1,953 |
| Retained earnings to average equity (ytd only) | 9.5689% | 1,094 |
| Net charge-offs to loans | -0.0158% | 6,381 |
| Credit loss provision to net charge-offs | -1,428.5714% | 6,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0156% | 5,728 |
| Assets per employee ($millions) | 4.8229% | 2,400 |
| Cash dividends to net income (ytd only)* | 13.8803% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 4,346 |
| Loan loss allowance to noncurrent loans | 99.7343% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.9271% | 4,516 |
| Noncurrent loans to loans | 1.4336% | 3,769 |
| Net loans and leases to total assets | 59.6280% | 3,891 |
| Net loans and leases to deposits | 70.2482% | 3,859 |
| Net loans and leases to core deposits | 76.4345% | 3,725 |
| Total domestic deposits to total assets | 84.8819% | 3,908 |
| Equity capital to assets | 9.9028% | 4,482 |
| Core capital (leverage) ratio | 9.6581% | 3,909 |
| Tier 1 risk-based capital ratio | 13.2865% | 4,972 |
| Total risk-based capital ratio | 14.4781% | 4,989 |
| Memoranda: | ||
| Average total assets | $303,487,670 | 2,133 |
| Average earning assets | $283,242,000 | 2,104 |
| Average equity | $29,178,000 | 2,310 |
| Average total loans | $177,129,670 | 2,271 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8005% | 2,640 |
| Cost of funding earning assets | 0.8995% | 2,699 |
| Net interest margin | 3.9011% | 2,914 |
| Noninterest income to average assets | 0.3653% | 4,951 |
| Noninterest expense to average assets | 2.3870% | 5,514 |
| Loan and lease loss provision to assets | 0.1583% | 3,400 |
| Net operating income to assets | 1.0115% | 2,435 |
| Return on assets (ROA) | 1.0115% | 2,627 |
| Pretax return on assets | 1.4520% | 2,015 |
| Return on Equity (ROE) | 10.6815% | 2,152 |
| Retained earnings to average equity (ytd only) | 8.5926% | 1,735 |
| Net charge-offs to loans | -0.1243% | 6,864 |
| Credit loss provision to net charge-offs | -222.2222% | 5,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7163% | 5,661 |
| Assets per employee ($millions) | 5.0535% | 2,191 |
| Cash dividends to net income (ytd only)* | 19.5567% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 4,178 |
| Loan loss allowance to noncurrent loans | 83.9714% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 1.0847% | 4,323 |
| Noncurrent loans to loans | 1.7812% | 3,435 |
| Net loans and leases to total assets | 56.2117% | 4,350 |
| Net loans and leases to deposits | 66.0354% | 4,372 |
| Net loans and leases to core deposits | 71.7696% | 4,186 |
| Total domestic deposits to total assets | 85.1236% | 3,971 |
| Equity capital to assets | 9.5547% | 4,719 |
| Core capital (leverage) ratio | 9.3392% | 4,298 |
| Tier 1 risk-based capital ratio | 13.4621% | 4,854 |
| Total risk-based capital ratio | 14.6941% | 4,863 |
| Memoranda: | ||
| Average total assets | $303,310,500 | 2,148 |
| Average earning assets | $282,384,500 | 2,115 |
| Average equity | $28,722,500 | 2,343 |
| Average total loans | $173,793,000 | 2,326 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9376% | 3,167 |
| Cost of funding earning assets | 1.0962% | 2,698 |
| Net interest margin | 3.8414% | 3,619 |
| Noninterest income to average assets | 0.4096% | 4,540 |
| Noninterest expense to average assets | 2.3542% | 5,897 |
| Loan and lease loss provision to assets | 0.1169% | 5,138 |
| Net operating income to assets | 1.0497% | 2,006 |
| Return on assets (ROA) | 1.0497% | 2,148 |
| Pretax return on assets | 1.4999% | 1,469 |
| Return on Equity (ROE) | 11.2312% | 1,639 |
| Retained earnings to average equity (ytd only) | 8.0959% | 1,046 |
| Net charge-offs to loans | 0.0733% | 5,585 |
| Credit loss provision to net charge-offs | 276.4228% | 863 |
| Earnings coverage of net charge-offs (x) | 38.2195% | 704 |
| Efficiency ratio | 59.2846% | 5,860 |
| Assets per employee ($millions) | 4.8160% | 2,430 |
| Cash dividends to net income (ytd only)* | 27.9161% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3829% | 4,543 |
| Loan loss allowance to noncurrent loans | 88.3278% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.9634% | 4,681 |
| Noncurrent loans to loans | 1.5657% | 3,812 |
| Net loans and leases to total assets | 56.7364% | 4,586 |
| Net loans and leases to deposits | 67.0484% | 4,572 |
| Net loans and leases to core deposits | 73.4447% | 4,309 |
| Total domestic deposits to total assets | 84.6202% | 4,036 |
| Equity capital to assets | 9.3847% | 5,042 |
| Core capital (leverage) ratio | 9.1097% | 4,601 |
| Tier 1 risk-based capital ratio | 14.0974% | 4,254 |
| Total risk-based capital ratio | 15.3277% | 4,221 |
| Memoranda: | ||
| Average total assets | $290,758,200 | 2,192 |
| Average earning assets | $269,566,400 | 2,173 |
| Average equity | $27,174,400 | 2,385 |
| Average total loans | $167,890,200 | 2,390 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9774% | 3,201 |
| Cost of funding earning assets | 1.1385% | 2,708 |
| Net interest margin | 3.8389% | 3,675 |
| Noninterest income to average assets | 0.4186% | 4,522 |
| Noninterest expense to average assets | 2.4103% | 5,741 |
| Loan and lease loss provision to assets | 0.1391% | 4,705 |
| Net operating income to assets | 0.9921% | 2,359 |
| Return on assets (ROA) | 0.9921% | 2,505 |
| Pretax return on assets | 1.4163% | 1,895 |
| Return on Equity (ROE) | 10.6269% | 1,980 |
| Retained earnings to average equity (ytd only) | 7.2849% | 1,817 |
| Net charge-offs to loans | 0.1283% | 4,762 |
| Credit loss provision to net charge-offs | 187.5000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 20.9685% | 1,201 |
| Efficiency ratio | 60.7786% | 5,594 |
| Assets per employee ($millions) | 4.6567% | 2,682 |
| Cash dividends to net income (ytd only)* | 31.4486% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3415% | 4,811 |
| Loan loss allowance to noncurrent loans | 277.2242% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 6,198 |
| Noncurrent loans to loans | 0.4839% | 5,881 |
| Net loans and leases to total assets | 57.6698% | 4,556 |
| Net loans and leases to deposits | 68.5503% | 4,517 |
| Net loans and leases to core deposits | 75.4996% | 4,252 |
| Total domestic deposits to total assets | 84.1278% | 4,171 |
| Equity capital to assets | 9.3343% | 5,324 |
| Core capital (leverage) ratio | 9.2818% | 4,479 |
| Tier 1 risk-based capital ratio | 13.7298% | 4,555 |
| Total risk-based capital ratio | 14.9213% | 4,572 |
| Memoranda: | ||
| Average total assets | $287,595,250 | 2,220 |
| Average earning assets | $265,728,500 | 2,207 |
| Average equity | $26,849,500 | 2,409 |
| Average total loans | $166,223,250 | 2,427 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0236% | 3,044 |
| Cost of funding earning assets | 1.1839% | 2,683 |
| Net interest margin | 3.8397% | 3,585 |
| Noninterest income to average assets | 0.4125% | 4,568 |
| Noninterest expense to average assets | 2.3652% | 5,945 |
| Loan and lease loss provision to assets | 0.1549% | 4,377 |
| Net operating income to assets | 1.0052% | 2,207 |
| Return on assets (ROA) | 1.0052% | 2,307 |
| Pretax return on assets | 1.4220% | 1,747 |
| Return on Equity (ROE) | 10.7667% | 1,881 |
| Retained earnings to average equity (ytd only) | 8.4294% | 1,290 |
| Net charge-offs to loans | 0.1308% | 4,431 |
| Credit loss provision to net charge-offs | 205.6075% | 1,466 |
| Earnings coverage of net charge-offs (x) | 20.9346% | 1,172 |
| Efficiency ratio | 60.0000% | 5,877 |
| Assets per employee ($millions) | 4.9785% | 2,161 |
| Cash dividends to net income (ytd only)* | 21.7087% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3401% | 4,870 |
| Loan loss allowance to noncurrent loans | 321.2796% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.4422% | 6,039 |
| Noncurrent loans to loans | 0.4171% | 6,070 |
| Net loans and leases to total assets | 58.8959% | 4,483 |
| Net loans and leases to deposits | 70.7882% | 4,325 |
| Net loans and leases to core deposits | 78.1355% | 4,037 |
| Total domestic deposits to total assets | 83.2003% | 4,668 |
| Equity capital to assets | 9.4672% | 4,862 |
| Core capital (leverage) ratio | 9.5064% | 3,950 |
| Tier 1 risk-based capital ratio | 14.1357% | 4,068 |
| Total risk-based capital ratio | 15.3642% | 4,053 |
| Memoranda: | ||
| Average total assets | $284,116,670 | 2,255 |
| Average earning assets | $261,166,330 | 2,244 |
| Average equity | $26,526,330 | 2,421 |
| Average total loans | $163,560,670 | 2,486 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9717% | 3,243 |
| Cost of funding earning assets | 1.2344% | 2,600 |
| Net interest margin | 3.7373% | 3,907 |
| Noninterest income to average assets | 0.3946% | 4,744 |
| Noninterest expense to average assets | 2.3520% | 6,043 |
| Loan and lease loss provision to assets | 0.1419% | 4,235 |
| Net operating income to assets | 0.9510% | 2,350 |
| Return on assets (ROA) | 0.9510% | 2,417 |
| Pretax return on assets | 1.3385% | 1,915 |
| Return on Equity (ROE) | 10.2599% | 2,008 |
| Retained earnings to average equity (ytd only) | 7.6567% | 1,862 |
| Net charge-offs to loans | 0.1433% | 3,637 |
| Credit loss provision to net charge-offs | 175.4386% | 1,664 |
| Earnings coverage of net charge-offs (x) | 18.2982% | 1,187 |
| Efficiency ratio | 61.3704% | 5,785 |
| Assets per employee ($millions) | 5.1310% | 1,989 |
| Cash dividends to net income (ytd only)* | 25.3731% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3791% | 4,768 |
| Loan loss allowance to noncurrent loans | 224.4489% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.7464% | 5,436 |
| Noncurrent loans to loans | 0.6145% | 5,805 |
| Net loans and leases to total assets | 57.8113% | 4,672 |
| Net loans and leases to deposits | 68.5053% | 4,607 |
| Net loans and leases to core deposits | 75.8711% | 4,316 |
| Total domestic deposits to total assets | 84.3896% | 4,329 |
| Equity capital to assets | 9.5138% | 4,415 |
| Core capital (leverage) ratio | 9.1010% | 4,447 |
| Tier 1 risk-based capital ratio | 14.2641% | 3,898 |
| Total risk-based capital ratio | 15.4949% | 3,878 |
| Memoranda: | ||
| Average total assets | $281,797,500 | 2,288 |
| Average earning assets | $259,226,000 | 2,276 |
| Average equity | $26,121,000 | 2,440 |
| Average total loans | $159,153,500 | 2,579 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0624% | 4,274 |
| Cost of funding earning assets | 1.6425% | 1,861 |
| Net interest margin | 3.4200% | 5,549 |
| Noninterest income to average assets | 0.4065% | 4,857 |
| Noninterest expense to average assets | 2.3494% | 6,220 |
| Loan and lease loss provision to assets | 0.1018% | 6,126 |
| Net operating income to assets | 0.7853% | 2,871 |
| Return on assets (ROA) | 0.7853% | 2,992 |
| Pretax return on assets | 1.1151% | 2,528 |
| Return on Equity (ROE) | 8.6232% | 2,453 |
| Retained earnings to average equity (ytd only) | 5.6091% | 2,050 |
| Net charge-offs to loans | 0.3528% | 4,254 |
| Credit loss provision to net charge-offs | 51.5654% | 6,236 |
| Earnings coverage of net charge-offs (x) | 6.1639% | 2,422 |
| Efficiency ratio | 65.8783% | 4,992 |
| Assets per employee ($millions) | 5.6181% | 1,483 |
| Cash dividends to net income (ytd only)* | 34.9537% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 4,463 |
| Loan loss allowance to noncurrent loans | 236.7457% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.5675% | 5,892 |
| Noncurrent loans to loans | 0.5953% | 5,853 |
| Net loans and leases to total assets | 53.6400% | 5,683 |
| Net loans and leases to deposits | 63.6431% | 5,666 |
| Net loans and leases to core deposits | 73.7343% | 5,013 |
| Total domestic deposits to total assets | 84.2826% | 4,230 |
| Equity capital to assets | 9.0331% | 5,091 |
| Core capital (leverage) ratio | 8.7851% | 4,878 |
| Tier 1 risk-based capital ratio | 14.5142% | 3,535 |
| Total risk-based capital ratio | 15.7644% | 3,493 |
| Memoranda: | ||
| Average total assets | $275,053,000 | 2,322 |
| Average earning assets | $254,126,400 | 2,307 |
| Average equity | $25,048,600 | 2,549 |
| Average total loans | $153,893,200 | 2,705 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1061% | 4,287 |
| Cost of funding earning assets | 1.7290% | 1,725 |
| Net interest margin | 3.3771% | 5,757 |
| Noninterest income to average assets | 0.4095% | 4,882 |
| Noninterest expense to average assets | 2.3503% | 6,172 |
| Loan and lease loss provision to assets | 0.1176% | 5,855 |
| Net operating income to assets | 0.7490% | 3,216 |
| Return on assets (ROA) | 0.7490% | 3,379 |
| Pretax return on assets | 1.0654% | 2,950 |
| Return on Equity (ROE) | 8.2069% | 2,823 |
| Retained earnings to average equity (ytd only) | 4.1544% | 3,549 |
| Net charge-offs to loans | 0.3103% | 4,099 |
| Credit loss provision to net charge-offs | 67.2269% | 5,495 |
| Earnings coverage of net charge-offs (x) | 6.7647% | 2,453 |
| Efficiency ratio | 66.5188% | 4,749 |
| Assets per employee ($millions) | 5.3689% | 1,749 |
| Cash dividends to net income (ytd only)* | 49.3785% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5152% | 3,894 |
| Loan loss allowance to noncurrent loans | 211.6531% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.7522% | 5,601 |
| Noncurrent loans to loans | 0.7159% | 5,780 |
| Net loans and leases to total assets | 54.5474% | 5,765 |
| Net loans and leases to deposits | 65.2036% | 5,754 |
| Net loans and leases to core deposits | 71.9152% | 5,521 |
| Total domestic deposits to total assets | 83.6570% | 4,291 |
| Equity capital to assets | 9.1102% | 5,433 |
| Core capital (leverage) ratio | 8.9899% | 4,711 |
| Tier 1 risk-based capital ratio | 14.1374% | 3,733 |
| Total risk-based capital ratio | 15.3883% | 3,705 |
| Memoranda: | ||
| Average total assets | $272,185,500 | 2,377 |
| Average earning assets | $251,770,000 | 2,355 |
| Average equity | $24,840,250 | 2,607 |
| Average total loans | $153,394,500 | 2,755 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1100% | 4,401 |
| Cost of funding earning assets | 1.7792% | 1,723 |
| Net interest margin | 3.3308% | 5,900 |
| Noninterest income to average assets | 0.4477% | 4,537 |
| Noninterest expense to average assets | 2.4643% | 5,866 |
| Loan and lease loss provision to assets | 0.1779% | 5,092 |
| Net operating income to assets | 0.6285% | 3,737 |
| Return on assets (ROA) | 0.6285% | 3,877 |
| Pretax return on assets | 0.8857% | 3,558 |
| Return on Equity (ROE) | 6.8825% | 3,357 |
| Retained earnings to average equity (ytd only) | 3.8389% | 3,646 |
| Net charge-offs to loans | 0.1190% | 4,991 |
| Credit loss provision to net charge-offs | 263.7363% | 1,440 |
| Earnings coverage of net charge-offs (x) | 15.7692% | 1,438 |
| Efficiency ratio | 69.8529% | 4,215 |
| Assets per employee ($millions) | 5.6626% | 1,481 |
| Cash dividends to net income (ytd only)* | 44.2217% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6712% | 3,177 |
| Loan loss allowance to noncurrent loans | 141.1033% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 1.0835% | 4,965 |
| Noncurrent loans to loans | 1.1844% | 4,982 |
| Net loans and leases to total assets | 56.4764% | 5,630 |
| Net loans and leases to deposits | 67.2321% | 5,655 |
| Net loans and leases to core deposits | 74.1287% | 5,429 |
| Total domestic deposits to total assets | 84.0021% | 4,108 |
| Equity capital to assets | 9.1985% | 5,148 |
| Core capital (leverage) ratio | 8.9285% | 4,711 |
| Tier 1 risk-based capital ratio | 13.8363% | 3,844 |
| Total risk-based capital ratio | 15.0891% | 3,809 |
| Memoranda: | ||
| Average total assets | $269,853,000 | 2,424 |
| Average earning assets | $249,550,670 | 2,398 |
| Average equity | $24,642,330 | 2,628 |
| Average total loans | $152,982,670 | 2,783 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0560% | 4,753 |
| Cost of funding earning assets | 1.8183% | 1,806 |
| Net interest margin | 3.2377% | 6,172 |
| Noninterest income to average assets | 0.4359% | 4,596 |
| Noninterest expense to average assets | 2.4130% | 6,041 |
| Loan and lease loss provision to assets | 0.1785% | 4,740 |
| Net operating income to assets | 0.5936% | 3,917 |
| Return on assets (ROA) | 0.5936% | 4,062 |
| Pretax return on assets | 0.8509% | 3,666 |
| Return on Equity (ROE) | 6.5243% | 3,607 |
| Retained earnings to average equity (ytd only) | 3.2540% | 4,194 |
| Net charge-offs to loans | 0.0740% | 4,673 |
| Credit loss provision to net charge-offs | 428.5714% | 966 |
| Earnings coverage of net charge-offs (x) | 24.7143% | 1,006 |
| Efficiency ratio | 70.0951% | 4,283 |
| Assets per employee ($millions) | 4.8187% | 2,482 |
| Cash dividends to net income (ytd only)* | 50.1253% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6905% | 3,099 |
| Loan loss allowance to noncurrent loans | 89.7607% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 1.2688% | 4,639 |
| Noncurrent loans to loans | 1.8833% | 3,947 |
| Net loans and leases to total assets | 54.0127% | 6,020 |
| Net loans and leases to deposits | 64.7181% | 5,968 |
| Net loans and leases to core deposits | 71.0998% | 5,819 |
| Total domestic deposits to total assets | 83.4584% | 4,407 |
| Equity capital to assets | 8.9556% | 5,345 |
| Core capital (leverage) ratio | 8.9208% | 4,697 |
| Tier 1 risk-based capital ratio | 13.7101% | 3,858 |
| Total risk-based capital ratio | 14.9626% | 3,807 |
| Memoranda: | ||
| Average total assets | $268,877,500 | 2,481 |
| Average earning assets | $249,684,000 | 2,451 |
| Average equity | $24,462,500 | 2,670 |
| Average total loans | $151,417,000 | 2,869 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6886% | 3,165 |
| Cost of funding earning assets | 2.2180% | 1,953 |
| Net interest margin | 3.4706% | 5,082 |
| Noninterest income to average assets | 0.5446% | 4,073 |
| Noninterest expense to average assets | 2.4316% | 6,368 |
| Loan and lease loss provision to assets | 0.1810% | 5,889 |
| Net operating income to assets | 0.8128% | 2,479 |
| Return on assets (ROA) | 0.8128% | 2,567 |
| Pretax return on assets | 1.1390% | 2,131 |
| Return on Equity (ROE) | 8.9707% | 2,034 |
| Retained earnings to average equity (ytd only) | 6.5737% | 1,130 |
| Net charge-offs to loans | 0.1909% | 5,454 |
| Credit loss provision to net charge-offs | 153.5836% | 2,982 |
| Earnings coverage of net charge-offs (x) | 11.2014% | 1,612 |
| Efficiency ratio | 64.8156% | 5,615 |
| Assets per employee ($millions) | 4.8720% | 2,377 |
| Cash dividends to net income (ytd only)* | 26.7194% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6192% | 3,201 |
| Loan loss allowance to noncurrent loans | 132.4004% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.7336% | 5,646 |
| Noncurrent loans to loans | 1.2229% | 4,906 |
| Net loans and leases to total assets | 56.8129% | 5,852 |
| Net loans and leases to deposits | 67.3775% | 5,901 |
| Net loans and leases to core deposits | 91.0380% | 5,007 |
| Total domestic deposits to total assets | 84.3202% | 3,883 |
| Equity capital to assets | 9.2466% | 4,776 |
| Core capital (leverage) ratio | 9.0410% | 4,355 |
| Tier 1 risk-based capital ratio | 13.9524% | 3,531 |
| Total risk-based capital ratio | 15.2046% | 3,481 |
| Memoranda: | ||
| Average total assets | $248,643,800 | 2,621 |
| Average earning assets | $229,758,000 | 2,600 |
| Average equity | $22,529,000 | 2,886 |
| Average total loans | $153,455,400 | 2,869 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8162% | 2,817 |
| Cost of funding earning assets | 2.2846% | 2,046 |
| Net interest margin | 3.5316% | 4,737 |
| Noninterest income to average assets | 0.5746% | 3,894 |
| Noninterest expense to average assets | 2.4372% | 6,286 |
| Loan and lease loss provision to assets | 0.1496% | 5,853 |
| Net operating income to assets | 0.8924% | 2,445 |
| Return on assets (ROA) | 0.8924% | 2,523 |
| Pretax return on assets | 1.2472% | 2,114 |
| Return on Equity (ROE) | 9.9033% | 1,952 |
| Retained earnings to average equity (ytd only) | 6.8840% | 1,555 |
| Net charge-offs to loans | 0.1655% | 5,065 |
| Credit loss provision to net charge-offs | 143.9791% | 3,391 |
| Earnings coverage of net charge-offs (x) | 13.4398% | 1,676 |
| Efficiency ratio | 63.5680% | 5,830 |
| Assets per employee ($millions) | 4.7650% | 2,450 |
| Cash dividends to net income (ytd only)* | 30.4878% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5534% | 3,181 |
| Loan loss allowance to noncurrent loans | 154.0000% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.7013% | 5,730 |
| Noncurrent loans to loans | 1.0087% | 5,286 |
| Net loans and leases to total assets | 59.9000% | 5,600 |
| Net loans and leases to deposits | 70.6995% | 5,827 |
| Net loans and leases to core deposits | 96.3867% | 4,765 |
| Total domestic deposits to total assets | 84.7248% | 3,357 |
| Equity capital to assets | 9.4977% | 4,746 |
| Core capital (leverage) ratio | 9.5644% | 3,829 |
| Tier 1 risk-based capital ratio | 13.7955% | 3,669 |
| Total risk-based capital ratio | 15.0473% | 3,614 |
| Memoranda: | ||
| Average total assets | $245,032,250 | 2,674 |
| Average earning assets | $226,142,750 | 2,659 |
| Average equity | $22,079,500 | 2,966 |
| Average total loans | $153,837,000 | 2,886 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9001% | 2,581 |
| Cost of funding earning assets | 2.3566% | 2,138 |
| Net interest margin | 3.5435% | 4,601 |
| Noninterest income to average assets | 0.5418% | 4,101 |
| Noninterest expense to average assets | 2.4558% | 6,279 |
| Loan and lease loss provision to assets | 0.1237% | 5,870 |
| Net operating income to assets | 0.8774% | 2,552 |
| Return on assets (ROA) | 0.8774% | 2,655 |
| Pretax return on assets | 1.2221% | 2,237 |
| Return on Equity (ROE) | 9.9235% | 2,047 |
| Retained earnings to average equity (ytd only) | 7.1255% | 1,535 |
| Net charge-offs to loans | 0.1183% | 4,978 |
| Credit loss provision to net charge-offs | 164.8352% | 2,782 |
| Earnings coverage of net charge-offs (x) | 17.9341% | 1,445 |
| Efficiency ratio | 64.5987% | 5,787 |
| Assets per employee ($millions) | 5.1691% | 1,902 |
| Cash dividends to net income (ytd only)* | 28.1955% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5098% | 3,131 |
| Loan loss allowance to noncurrent loans | 75.2949% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 1.3822% | 4,195 |
| Noncurrent loans to loans | 2.0052% | 3,515 |
| Net loans and leases to total assets | 63.4219% | 5,095 |
| Net loans and leases to deposits | 74.5704% | 5,368 |
| Net loans and leases to core deposits | 97.4561% | 4,742 |
| Total domestic deposits to total assets | 85.0498% | 3,238 |
| Equity capital to assets | 9.6857% | 4,372 |
| Core capital (leverage) ratio | 9.4538% | 3,954 |
| Tier 1 risk-based capital ratio | 13.5362% | 3,797 |
| Total risk-based capital ratio | 14.7877% | 3,730 |
| Memoranda: | ||
| Average total assets | $242,527,670 | 2,729 |
| Average earning assets | $223,114,000 | 2,709 |
| Average equity | $21,444,000 | 3,043 |
| Average total loans | $153,895,330 | 2,920 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9242% | 2,673 |
| Cost of funding earning assets | 2.4057% | 2,267 |
| Net interest margin | 3.5186% | 4,653 |
| Noninterest income to average assets | 0.4358% | 4,908 |
| Noninterest expense to average assets | 2.2120% | 6,833 |
| Loan and lease loss provision to assets | 0.1238% | 5,375 |
| Net operating income to assets | 0.9492% | 2,518 |
| Return on assets (ROA) | 0.9492% | 2,647 |
| Pretax return on assets | 1.3305% | 2,176 |
| Return on Equity (ROE) | 11.2742% | 1,892 |
| Retained earnings to average equity (ytd only) | 7.3528% | 2,076 |
| Net charge-offs to loans | 0.2306% | 3,254 |
| Credit loss provision to net charge-offs | 85.2273% | 4,096 |
| Earnings coverage of net charge-offs (x) | 10.0114% | 1,988 |
| Efficiency ratio | 60.3332% | 6,346 |
| Assets per employee ($millions) | 4.7322% | 2,389 |
| Cash dividends to net income (ytd only)* | 34.7826% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4884% | 3,055 |
| Loan loss allowance to noncurrent loans | 1,467.9487% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 7,407 |
| Noncurrent loans to loans | 0.1014% | 7,239 |
| Net loans and leases to total assets | 61.5959% | 5,401 |
| Net loans and leases to deposits | 73.0540% | 5,606 |
| Net loans and leases to core deposits | 93.4885% | 5,207 |
| Total domestic deposits to total assets | 84.3156% | 3,551 |
| Equity capital to assets | 9.3879% | 4,823 |
| Core capital (leverage) ratio | 9.3386% | 4,188 |
| Tier 1 risk-based capital ratio | 13.3788% | 3,936 |
| Total risk-based capital ratio | 14.6298% | 3,850 |
| Memoranda: | ||
| Average total assets | $242,318,500 | 2,743 |
| Average earning assets | $222,475,500 | 2,734 |
| Average equity | $20,400,500 | 3,203 |
| Average total loans | $152,621,500 | 2,962 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7194% | 1,958 |
| Cost of funding earning assets | 2.8837% | 2,337 |
| Net interest margin | 3.8356% | 3,866 |
| Noninterest income to average assets | 0.6706% | 3,319 |
| Noninterest expense to average assets | 2.5116% | 5,957 |
| Loan and lease loss provision to assets | 0.1405% | 5,556 |
| Net operating income to assets | 1.2022% | 1,760 |
| Return on assets (ROA) | 0.5373% | 4,437 |
| Pretax return on assets | 0.6827% | 4,450 |
| Return on Equity (ROE) | 6.9817% | 3,540 |
| Retained earnings to average equity (ytd only) | 5.0797% | 1,978 |
| Net charge-offs to loans | -0.3485% | 8,203 |
| Credit loss provision to net charge-offs | -62.7767% | 7,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1359% | 6,311 |
| Assets per employee ($millions) | 5.1862% | 1,742 |
| Cash dividends to net income (ytd only)* | 27.2422% | 4,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5213% | 2,583 |
| Loan loss allowance to noncurrent loans | 955.6017% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 7,175 |
| Noncurrent loans to loans | 0.1592% | 6,932 |
| Net loans and leases to total assets | 62.4901% | 5,541 |
| Net loans and leases to deposits | 73.8783% | 5,862 |
| Net loans and leases to core deposits | 93.5286% | 5,490 |
| Total domestic deposits to total assets | 84.5853% | 3,035 |
| Equity capital to assets | 7.4194% | 7,453 |
| Core capital (leverage) ratio | 7.5437% | 7,149 |
| Tier 1 risk-based capital ratio | 10.4280% | 6,287 |
| Total risk-based capital ratio | 11.6797% | 6,157 |
| Memoranda: | ||
| Average total assets | $222,052,400 | 2,850 |
| Average earning assets | $202,965,600 | 2,867 |
| Average equity | $17,087,600 | 3,724 |
| Average total loans | $142,594,600 | 3,047 |