Home > Solvay Bank > Performance and Condition Ratios
Solvay Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5601% | 4,374 |
| Cost of funding earning assets | 1.1940% | 2,821 |
| Net interest margin | 2.3661% | 4,211 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 1.9430% | 3,750 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.6011% | 3,439 |
| Return on assets (ROA) | 0.5724% | 3,499 |
| Pretax return on assets | 0.6958% | 3,447 |
| Return on Equity (ROE) | 8.9800% | 2,762 |
| Retained earnings to average equity (ytd only) | 3.0604% | 3,258 |
| Net charge-offs to loans | 0.0049% | 2,541 |
| Credit loss provision to net charge-offs | 378.7879% | 810 |
| Earnings coverage of net charge-offs (x) | 254.1515% | 491 |
| Efficiency ratio | 72.3311% | 1,631 |
| Assets per employee ($millions) | 7.4277% | 1,786 |
| Cash dividends to net income (ytd only)* | 65.9390% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1486% | 2,558 |
| Loan loss allowance to noncurrent loans | 1,718.2013% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 3,336 |
| Noncurrent loans to loans | 0.0669% | 3,234 |
| Net loans and leases to total assets | 60.7600% | 2,776 |
| Net loans and leases to deposits | 71.3132% | 2,799 |
| Net loans and leases to core deposits | 84.3654% | 2,430 |
| Total domestic deposits to total assets | 85.2100% | 2,244 |
| Equity capital to assets | 6.7729% | 4,025 |
| Core capital (leverage) ratio | 9.5426% | 3,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,128,407,600 | 895 |
| Average earning assets | $1,058,321,000 | 876 |
| Average equity | $71,887,000 | 1,222 |
| Average total loans | $680,151,400 | 987 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5219% | 4,372 |
| Cost of funding earning assets | 1.0421% | 2,919 |
| Net interest margin | 2.4798% | 4,165 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 1.9313% | 3,751 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.6933% | 3,338 |
| Return on assets (ROA) | 0.6877% | 3,335 |
| Pretax return on assets | 0.8399% | 3,242 |
| Return on Equity (ROE) | 10.9700% | 2,380 |
| Retained earnings to average equity (ytd only) | 4.9373% | 2,955 |
| Net charge-offs to loans | 0.0099% | 2,034 |
| Credit loss provision to net charge-offs | 150.0000% | 1,321 |
| Earnings coverage of net charge-offs (x) | 144.5600% | 749 |
| Efficiency ratio | 69.3000% | 1,869 |
| Assets per employee ($millions) | 7.6164% | 1,559 |
| Cash dividends to net income (ytd only)* | 54.9914% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1695% | 2,518 |
| Loan loss allowance to noncurrent loans | 1,527.4472% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 3,357 |
| Noncurrent loans to loans | 0.0766% | 3,207 |
| Net loans and leases to total assets | 58.0900% | 3,024 |
| Net loans and leases to deposits | 66.8395% | 3,060 |
| Net loans and leases to core deposits | 78.0927% | 2,738 |
| Total domestic deposits to total assets | 86.9100% | 1,917 |
| Equity capital to assets | 5.7135% | 4,081 |
| Core capital (leverage) ratio | 9.5661% | 3,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,126,401,750 | 900 |
| Average earning assets | $1,054,790,000 | 881 |
| Average equity | $70,616,500 | 1,238 |
| Average total loans | $675,546,000 | 989 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5065% | 4,336 |
| Cost of funding earning assets | 0.8726% | 3,020 |
| Net interest margin | 2.6339% | 4,065 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 1.9409% | 3,736 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.7904% | 3,108 |
| Return on assets (ROA) | 0.7821% | 3,150 |
| Pretax return on assets | 0.9705% | 2,992 |
| Return on Equity (ROE) | 12.1000% | 2,125 |
| Retained earnings to average equity (ytd only) | 6.1963% | 2,550 |
| Net charge-offs to loans | -0.0003% | 3,381 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.1293% | 2,219 |
| Assets per employee ($millions) | 7.3510% | 1,702 |
| Cash dividends to net income (ytd only)* | 48.8084% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 2,527 |
| Loan loss allowance to noncurrent loans | 1,341.3735% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 3,242 |
| Noncurrent loans to loans | 0.0881% | 3,062 |
| Net loans and leases to total assets | 59.9000% | 2,779 |
| Net loans and leases to deposits | 69.5919% | 2,818 |
| Net loans and leases to core deposits | 81.6164% | 2,362 |
| Total domestic deposits to total assets | 86.0700% | 2,209 |
| Equity capital to assets | 6.4289% | 4,024 |
| Core capital (leverage) ratio | 9.6284% | 3,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,115,971,333 | 897 |
| Average earning assets | $1,047,432,000 | 875 |
| Average equity | $72,107,000 | 1,213 |
| Average total loans | $673,914,000 | 982 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4896% | 4,283 |
| Cost of funding earning assets | 0.6460% | 3,236 |
| Net interest margin | 2.8436% | 3,878 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 1.9084% | 3,838 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9685% | 2,630 |
| Return on assets (ROA) | 0.9594% | 2,619 |
| Pretax return on assets | 1.2090% | 2,405 |
| Return on Equity (ROE) | 14.8100% | 1,589 |
| Retained earnings to average equity (ytd only) | 8.9142% | 1,973 |
| Net charge-offs to loans | -0.0065% | 3,720 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.9927% | 2,827 |
| Assets per employee ($millions) | 7.3198% | 1,739 |
| Cash dividends to net income (ytd only)* | 39.8131% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 2,656 |
| Loan loss allowance to noncurrent loans | 678.3091% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 2,790 |
| Noncurrent loans to loans | 0.1741% | 2,607 |
| Net loans and leases to total assets | 59.7300% | 2,687 |
| Net loans and leases to deposits | 65.8040% | 2,948 |
| Net loans and leases to core deposits | 73.7293% | 2,694 |
| Total domestic deposits to total assets | 90.7600% | 884 |
| Equity capital to assets | 6.7750% | 3,924 |
| Core capital (leverage) ratio | 9.4791% | 3,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,115,283,500 | 912 |
| Average earning assets | $1,046,988,500 | 895 |
| Average equity | $72,244,000 | 1,224 |
| Average total loans | $672,224,500 | 997 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0424% | 4,084 |
| Cost of funding earning assets | 0.2708% | 3,149 |
| Net interest margin | 2.7716% | 3,939 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 1.8430% | 3,944 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9834% | 2,628 |
| Return on assets (ROA) | 0.9719% | 2,610 |
| Pretax return on assets | 1.2308% | 2,337 |
| Return on Equity (ROE) | 13.8600% | 1,566 |
| Retained earnings to average equity (ytd only) | 8.2528% | 1,736 |
| Net charge-offs to loans | -0.0022% | 3,460 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.6768% | 3,100 |
| Assets per employee ($millions) | 7.4037% | 1,683 |
| Cash dividends to net income (ytd only)* | 40.4725% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 2,732 |
| Loan loss allowance to noncurrent loans | 937.4846% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 3,063 |
| Noncurrent loans to loans | 0.1207% | 2,917 |
| Net loans and leases to total assets | 59.4300% | 2,691 |
| Net loans and leases to deposits | 66.9371% | 2,821 |
| Net loans and leases to core deposits | 72.1822% | 2,709 |
| Total domestic deposits to total assets | 88.7800% | 1,785 |
| Equity capital to assets | 6.1817% | 4,025 |
| Core capital (leverage) ratio | 9.3139% | 3,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,128,007,400 | 884 |
| Average earning assets | $1,061,042,400 | 869 |
| Average equity | $79,076,600 | 1,144 |
| Average total loans | $647,698,400 | 971 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9483% | 3,985 |
| Cost of funding earning assets | 0.2100% | 3,147 |
| Net interest margin | 2.7383% | 3,858 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 1.8023% | 3,983 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9866% | 2,522 |
| Return on assets (ROA) | 0.9713% | 2,556 |
| Pretax return on assets | 1.2311% | 2,252 |
| Return on Equity (ROE) | 13.4600% | 1,575 |
| Retained earnings to average equity (ytd only) | 7.7888% | 2,088 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.0381% | 3,239 |
| Assets per employee ($millions) | 7.9034% | 1,375 |
| Cash dividends to net income (ytd only)* | 42.1442% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 2,730 |
| Loan loss allowance to noncurrent loans | 815.1450% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 3,119 |
| Noncurrent loans to loans | 0.1426% | 2,910 |
| Net loans and leases to total assets | 54.4400% | 3,055 |
| Net loans and leases to deposits | 57.9925% | 3,342 |
| Net loans and leases to core deposits | 61.6113% | 3,261 |
| Total domestic deposits to total assets | 93.8800% | 378 |
| Equity capital to assets | 5.4963% | 4,133 |
| Core capital (leverage) ratio | 9.1780% | 3,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,130,518,000 | 890 |
| Average earning assets | $1,064,589,250 | 877 |
| Average equity | $81,568,500 | 1,124 |
| Average total loans | $641,622,750 | 977 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8890% | 3,813 |
| Cost of funding earning assets | 0.1929% | 3,013 |
| Net interest margin | 2.6961% | 3,704 |
| Noninterest income to average assets | 0.4794% | 2,311 |
| Noninterest expense to average assets | 1.8056% | 3,936 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9701% | 2,261 |
| Return on assets (ROA) | 0.9622% | 2,280 |
| Pretax return on assets | 1.2174% | 2,016 |
| Return on Equity (ROE) | 12.2957% | 1,586 |
| Retained earnings to average equity (ytd only) | 6.5396% | 2,160 |
| Net charge-offs to loans | -0.0163% | 3,789 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5340% | 3,359 |
| Assets per employee ($millions) | 7.5085% | 1,605 |
| Cash dividends to net income (ytd only)* | 46.8137% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 2,822 |
| Loan loss allowance to noncurrent loans | 817.2193% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.0830% | 3,150 |
| Noncurrent loans to loans | 0.1437% | 2,984 |
| Net loans and leases to total assets | 57.0862% | 2,631 |
| Net loans and leases to deposits | 61.7327% | 2,909 |
| Net loans and leases to core deposits | 66.1004% | 2,809 |
| Total domestic deposits to total assets | 92.4732% | 665 |
| Equity capital to assets | 6.8121% | 3,863 |
| Core capital (leverage) ratio | 9.1498% | 3,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,112,188,667 | 898 |
| Average earning assets | $1,053,388,000 | 883 |
| Average equity | $87,038,333 | 1,083 |
| Average total loans | $637,832,333 | 973 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8341% | 3,674 |
| Cost of funding earning assets | 0.1823% | 3,058 |
| Net interest margin | 2.6518% | 3,521 |
| Noninterest income to average assets | 0.4763% | 2,267 |
| Noninterest expense to average assets | 1.7891% | 3,963 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9566% | 2,046 |
| Return on assets (ROA) | 0.9566% | 2,042 |
| Pretax return on assets | 1.2042% | 1,797 |
| Return on Equity (ROE) | 11.4669% | 1,470 |
| Retained earnings to average equity (ytd only) | 7.2758% | 1,800 |
| Net charge-offs to loans | -0.0184% | 3,871 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7703% | 3,507 |
| Assets per employee ($millions) | 7.5184% | 1,668 |
| Cash dividends to net income (ytd only)* | 36.5494% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 2,887 |
| Loan loss allowance to noncurrent loans | 778.1410% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 3,195 |
| Noncurrent loans to loans | 0.1535% | 3,035 |
| Net loans and leases to total assets | 56.6275% | 2,463 |
| Net loans and leases to deposits | 62.0818% | 2,711 |
| Net loans and leases to core deposits | 66.6440% | 2,564 |
| Total domestic deposits to total assets | 91.2143% | 926 |
| Equity capital to assets | 7.6126% | 3,847 |
| Core capital (leverage) ratio | 9.2698% | 3,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,105,148,000 | 907 |
| Average earning assets | $1,048,931,500 | 892 |
| Average equity | $92,196,000 | 1,060 |
| Average total loans | $631,455,500 | 973 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9666% | 3,930 |
| Cost of funding earning assets | 0.3049% | 2,361 |
| Net interest margin | 2.6617% | 3,941 |
| Noninterest income to average assets | 0.5313% | 2,432 |
| Noninterest expense to average assets | 1.8247% | 4,096 |
| Loan and lease loss provision to assets | 0.0546% | 1,962 |
| Net operating income to assets | 0.9487% | 2,873 |
| Return on assets (ROA) | 0.9500% | 2,941 |
| Pretax return on assets | 1.1858% | 2,709 |
| Return on Equity (ROE) | 10.5532% | 2,323 |
| Retained earnings to average equity (ytd only) | 7.1129% | 1,877 |
| Net charge-offs to loans | 0.0732% | 1,055 |
| Credit loss provision to net charge-offs | 128.4797% | 1,594 |
| Earnings coverage of net charge-offs (x) | 29.1499% | 1,624 |
| Efficiency ratio | 59.5621% | 3,222 |
| Assets per employee ($millions) | 7.1737% | 1,810 |
| Cash dividends to net income (ytd only)* | 32.5989% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 2,816 |
| Loan loss allowance to noncurrent loans | 699.4470% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.0989% | 3,248 |
| Noncurrent loans to loans | 0.1735% | 3,086 |
| Net loans and leases to total assets | 56.2693% | 2,572 |
| Net loans and leases to deposits | 62.5304% | 2,833 |
| Net loans and leases to core deposits | 67.3009% | 2,713 |
| Total domestic deposits to total assets | 89.9872% | 968 |
| Equity capital to assets | 9.0823% | 3,534 |
| Core capital (leverage) ratio | 9.1669% | 3,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,098,875,000 | 891 |
| Average earning assets | $1,045,437,400 | 871 |
| Average equity | $98,918,200 | 1,021 |
| Average total loans | $637,551,800 | 951 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9557% | 4,074 |
| Cost of funding earning assets | 0.3230% | 2,371 |
| Net interest margin | 2.6326% | 4,088 |
| Noninterest income to average assets | 0.4848% | 2,693 |
| Noninterest expense to average assets | 1.8014% | 4,166 |
| Loan and lease loss provision to assets | 0.0546% | 1,891 |
| Net operating income to assets | 0.9045% | 3,233 |
| Return on assets (ROA) | 0.9062% | 3,302 |
| Pretax return on assets | 1.1351% | 3,120 |
| Return on Equity (ROE) | 10.0896% | 2,708 |
| Retained earnings to average equity (ytd only) | 6.6418% | 2,563 |
| Net charge-offs to loans | 0.0108% | 1,924 |
| Credit loss provision to net charge-offs | 865.3846% | 556 |
| Earnings coverage of net charge-offs (x) | 188.2692% | 579 |
| Efficiency ratio | 60.2695% | 2,944 |
| Assets per employee ($millions) | 7.2493% | 1,710 |
| Cash dividends to net income (ytd only)* | 34.1721% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2342% | 2,825 |
| Loan loss allowance to noncurrent loans | 259.4648% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.2694% | 2,425 |
| Noncurrent loans to loans | 0.4757% | 2,133 |
| Net loans and leases to total assets | 55.9352% | 2,730 |
| Net loans and leases to deposits | 62.9306% | 2,963 |
| Net loans and leases to core deposits | 68.2855% | 2,754 |
| Total domestic deposits to total assets | 88.8840% | 1,353 |
| Equity capital to assets | 8.8731% | 3,944 |
| Core capital (leverage) ratio | 8.9144% | 3,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,099,201,000 | 898 |
| Average earning assets | $1,045,514,750 | 878 |
| Average equity | $98,726,500 | 1,038 |
| Average total loans | $640,643,500 | 960 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9185% | 4,193 |
| Cost of funding earning assets | 0.3427% | 2,382 |
| Net interest margin | 2.5759% | 4,204 |
| Noninterest income to average assets | 0.4786% | 2,719 |
| Noninterest expense to average assets | 1.8030% | 4,176 |
| Loan and lease loss provision to assets | 0.0550% | 1,934 |
| Net operating income to assets | 0.8563% | 3,347 |
| Return on assets (ROA) | 0.8575% | 3,423 |
| Pretax return on assets | 1.0722% | 3,293 |
| Return on Equity (ROE) | 9.5080% | 2,945 |
| Retained earnings to average equity (ytd only) | 6.0487% | 2,782 |
| Net charge-offs to loans | 0.0125% | 1,709 |
| Credit loss provision to net charge-offs | 750.0000% | 555 |
| Earnings coverage of net charge-offs (x) | 153.5250% | 583 |
| Efficiency ratio | 61.5635% | 2,789 |
| Assets per employee ($millions) | 7.2660% | 1,618 |
| Cash dividends to net income (ytd only)* | 36.3831% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 2,905 |
| Loan loss allowance to noncurrent loans | 256.3455% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2673% | 2,592 |
| Noncurrent loans to loans | 0.4703% | 2,268 |
| Net loans and leases to total assets | 56.1411% | 2,885 |
| Net loans and leases to deposits | 63.2183% | 3,080 |
| Net loans and leases to core deposits | 69.0586% | 2,856 |
| Total domestic deposits to total assets | 88.8052% | 1,382 |
| Equity capital to assets | 8.8376% | 3,937 |
| Core capital (leverage) ratio | 8.8816% | 3,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,091,056,333 | 900 |
| Average earning assets | $1,037,789,333 | 876 |
| Average equity | $98,401,667 | 1,035 |
| Average total loans | $642,070,667 | 963 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9704% | 4,147 |
| Cost of funding earning assets | 0.3621% | 2,427 |
| Net interest margin | 2.6083% | 4,132 |
| Noninterest income to average assets | 0.4673% | 2,770 |
| Noninterest expense to average assets | 1.8072% | 4,205 |
| Loan and lease loss provision to assets | 0.0559% | 1,995 |
| Net operating income to assets | 0.8671% | 3,217 |
| Return on assets (ROA) | 0.8671% | 3,303 |
| Pretax return on assets | 1.0843% | 3,150 |
| Return on Equity (ROE) | 9.5138% | 2,850 |
| Retained earnings to average equity (ytd only) | 6.0346% | 2,885 |
| Net charge-offs to loans | 0.0336% | 1,143 |
| Credit loss provision to net charge-offs | 277.7778% | 786 |
| Earnings coverage of net charge-offs (x) | 56.6667% | 849 |
| Efficiency ratio | 61.3148% | 2,863 |
| Assets per employee ($millions) | 7.0412% | 1,779 |
| Cash dividends to net income (ytd only)* | 36.5707% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 3,193 |
| Loan loss allowance to noncurrent loans | 260.1447% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.2626% | 2,833 |
| Noncurrent loans to loans | 0.4419% | 2,533 |
| Net loans and leases to total assets | 58.7452% | 2,715 |
| Net loans and leases to deposits | 66.2986% | 2,890 |
| Net loans and leases to core deposits | 71.3334% | 2,761 |
| Total domestic deposits to total assets | 88.6069% | 1,555 |
| Equity capital to assets | 8.7637% | 3,898 |
| Core capital (leverage) ratio | 9.1356% | 3,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,073,470,500 | 898 |
| Average earning assets | $1,020,736,500 | 876 |
| Average equity | $97,836,500 | 1,026 |
| Average total loans | $643,109,500 | 958 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1711% | 4,487 |
| Cost of funding earning assets | 0.5670% | 2,524 |
| Net interest margin | 2.6040% | 4,498 |
| Noninterest income to average assets | 0.4824% | 2,713 |
| Noninterest expense to average assets | 1.9082% | 4,312 |
| Loan and lease loss provision to assets | 0.1906% | 2,040 |
| Net operating income to assets | 0.6962% | 3,448 |
| Return on assets (ROA) | 0.7135% | 3,522 |
| Pretax return on assets | 0.8695% | 3,451 |
| Return on Equity (ROE) | 7.6066% | 2,960 |
| Retained earnings to average equity (ytd only) | 4.1546% | 2,735 |
| Net charge-offs to loans | 0.0291% | 2,445 |
| Credit loss provision to net charge-offs | 1,065.5738% | 750 |
| Earnings coverage of net charge-offs (x) | 58.0820% | 1,085 |
| Efficiency ratio | 64.7439% | 2,712 |
| Assets per employee ($millions) | 6.5916% | 1,857 |
| Cash dividends to net income (ytd only)* | 45.3823% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 3,030 |
| Loan loss allowance to noncurrent loans | 251.6369% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.2845% | 2,874 |
| Noncurrent loans to loans | 0.4709% | 2,557 |
| Net loans and leases to total assets | 59.7041% | 2,902 |
| Net loans and leases to deposits | 68.5774% | 3,022 |
| Net loans and leases to core deposits | 74.0176% | 2,915 |
| Total domestic deposits to total assets | 87.0609% | 1,916 |
| Equity capital to assets | 9.4859% | 3,628 |
| Core capital (leverage) ratio | 9.2744% | 3,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,022,909,200 | 866 |
| Average earning assets | $968,223,000 | 842 |
| Average equity | $95,942,600 | 992 |
| Average total loans | $628,631,800 | 939 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2045% | 4,583 |
| Cost of funding earning assets | 0.6117% | 2,537 |
| Net interest margin | 2.5928% | 4,576 |
| Noninterest income to average assets | 0.4744% | 2,720 |
| Noninterest expense to average assets | 1.8741% | 4,376 |
| Loan and lease loss provision to assets | 0.1997% | 1,994 |
| Net operating income to assets | 0.7045% | 3,443 |
| Return on assets (ROA) | 0.7238% | 3,478 |
| Pretax return on assets | 0.8778% | 3,443 |
| Return on Equity (ROE) | 7.7397% | 2,907 |
| Retained earnings to average equity (ytd only) | 4.2619% | 2,921 |
| Net charge-offs to loans | 0.0303% | 2,227 |
| Credit loss provision to net charge-offs | 1,066.4336% | 796 |
| Earnings coverage of net charge-offs (x) | 56.2867% | 1,127 |
| Efficiency ratio | 64.0059% | 2,730 |
| Assets per employee ($millions) | 6.9673% | 1,527 |
| Cash dividends to net income (ytd only)* | 44.9349% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0804% | 3,303 |
| Loan loss allowance to noncurrent loans | 217.5023% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 2,937 |
| Noncurrent loans to loans | 0.4967% | 2,572 |
| Net loans and leases to total assets | 60.7355% | 3,135 |
| Net loans and leases to deposits | 70.0794% | 3,311 |
| Net loans and leases to core deposits | 75.8341% | 3,178 |
| Total domestic deposits to total assets | 86.6668% | 1,790 |
| Equity capital to assets | 9.2059% | 3,948 |
| Core capital (leverage) ratio | 8.9541% | 3,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,018,269,000 | 852 |
| Average earning assets | $963,611,750 | 830 |
| Average equity | $95,230,000 | 990 |
| Average total loans | $628,475,750 | 937 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3045% | 4,644 |
| Cost of funding earning assets | 0.6702% | 2,558 |
| Net interest margin | 2.6343% | 4,624 |
| Noninterest income to average assets | 0.4745% | 2,688 |
| Noninterest expense to average assets | 1.9207% | 4,380 |
| Loan and lease loss provision to assets | 0.2195% | 1,901 |
| Net operating income to assets | 0.6758% | 3,479 |
| Return on assets (ROA) | 0.6856% | 3,547 |
| Pretax return on assets | 0.8402% | 3,474 |
| Return on Equity (ROE) | 7.2903% | 3,015 |
| Retained earnings to average equity (ytd only) | 3.7767% | 3,027 |
| Net charge-offs to loans | 0.0300% | 2,118 |
| Credit loss provision to net charge-offs | 1,182.7957% | 709 |
| Earnings coverage of net charge-offs (x) | 56.4624% | 1,011 |
| Efficiency ratio | 64.7039% | 2,715 |
| Assets per employee ($millions) | 7.0942% | 1,392 |
| Cash dividends to net income (ytd only)* | 48.1956% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0173% | 3,491 |
| Loan loss allowance to noncurrent loans | 190.1732% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.3223% | 3,025 |
| Noncurrent loans to loans | 0.5349% | 2,564 |
| Net loans and leases to total assets | 59.6358% | 3,365 |
| Net loans and leases to deposits | 68.9340% | 3,496 |
| Net loans and leases to core deposits | 75.6832% | 3,306 |
| Total domestic deposits to total assets | 86.5115% | 1,801 |
| Equity capital to assets | 8.9028% | 4,169 |
| Core capital (leverage) ratio | 8.9321% | 3,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,002,359,667 | 850 |
| Average earning assets | $948,958,000 | 830 |
| Average equity | $94,261,667 | 992 |
| Average total loans | $619,797,667 | 939 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4765% | 4,653 |
| Cost of funding earning assets | 0.7546% | 2,643 |
| Net interest margin | 2.7219% | 4,650 |
| Noninterest income to average assets | 0.5265% | 2,402 |
| Noninterest expense to average assets | 1.9940% | 4,404 |
| Loan and lease loss provision to assets | 0.2820% | 1,103 |
| Net operating income to assets | 0.6773% | 3,342 |
| Return on assets (ROA) | 0.6982% | 3,348 |
| Pretax return on assets | 0.8474% | 3,293 |
| Return on Equity (ROE) | 7.2057% | 2,864 |
| Retained earnings to average equity (ytd only) | 3.6352% | 2,830 |
| Net charge-offs to loans | 0.0626% | 1,387 |
| Credit loss provision to net charge-offs | 718.0851% | 709 |
| Earnings coverage of net charge-offs (x) | 28.1064% | 1,218 |
| Efficiency ratio | 64.3647% | 3,181 |
| Assets per employee ($millions) | 6.4050% | 1,399 |
| Cash dividends to net income (ytd only)* | 49.5512% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 3,428 |
| Loan loss allowance to noncurrent loans | 165.4790% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.3866% | 2,897 |
| Noncurrent loans to loans | 0.6369% | 2,399 |
| Net loans and leases to total assets | 60.0720% | 3,482 |
| Net loans and leases to deposits | 70.9259% | 3,521 |
| Net loans and leases to core deposits | 80.5479% | 3,150 |
| Total domestic deposits to total assets | 84.6968% | 2,529 |
| Equity capital to assets | 9.6486% | 4,084 |
| Core capital (leverage) ratio | 9.7775% | 3,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $957,283,500 | 859 |
| Average earning assets | $904,370,000 | 839 |
| Average equity | $92,760,500 | 1,002 |
| Average total loans | $600,584,500 | 941 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7063% | 4,670 |
| Cost of funding earning assets | 0.8781% | 2,295 |
| Net interest margin | 2.8282% | 4,735 |
| Noninterest income to average assets | 0.5733% | 2,349 |
| Noninterest expense to average assets | 2.0296% | 4,483 |
| Loan and lease loss provision to assets | 0.0534% | 2,964 |
| Net operating income to assets | 0.9344% | 3,076 |
| Return on assets (ROA) | 0.9417% | 3,136 |
| Pretax return on assets | 1.1571% | 2,988 |
| Return on Equity (ROE) | 10.0901% | 2,259 |
| Retained earnings to average equity (ytd only) | 6.0374% | 1,845 |
| Net charge-offs to loans | 0.0497% | 2,402 |
| Credit loss provision to net charge-offs | 165.0165% | 1,573 |
| Earnings coverage of net charge-offs (x) | 37.1254% | 1,379 |
| Efficiency ratio | 62.8132% | 3,244 |
| Assets per employee ($millions) | 5.9152% | 1,696 |
| Cash dividends to net income (ytd only)* | 40.1656% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9384% | 3,792 |
| Loan loss allowance to noncurrent loans | 468.2305% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.1300% | 3,989 |
| Noncurrent loans to loans | 0.2004% | 3,738 |
| Net loans and leases to total assets | 64.2547% | 3,162 |
| Net loans and leases to deposits | 76.4970% | 3,133 |
| Net loans and leases to core deposits | 85.4297% | 2,833 |
| Total domestic deposits to total assets | 83.9963% | 2,846 |
| Equity capital to assets | 9.7333% | 4,166 |
| Core capital (leverage) ratio | 9.8142% | 3,717 |
| Tier 1 risk-based capital ratio | 16.4347% | 2,241 |
| Total risk-based capital ratio | 17.4544% | 2,275 |
| Memoranda: | ||
| Average total assets | $936,195,600 | 838 |
| Average earning assets | $879,822,800 | 822 |
| Average equity | $87,372,400 | 1,009 |
| Average total loans | $609,458,400 | 898 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7209% | 4,760 |
| Cost of funding earning assets | 0.8960% | 2,250 |
| Net interest margin | 2.8249% | 4,836 |
| Noninterest income to average assets | 0.5674% | 2,368 |
| Noninterest expense to average assets | 2.0133% | 4,523 |
| Loan and lease loss provision to assets | 0.0712% | 2,456 |
| Net operating income to assets | 0.9265% | 3,249 |
| Return on assets (ROA) | 0.9363% | 3,284 |
| Pretax return on assets | 1.1474% | 3,145 |
| Return on Equity (ROE) | 10.1408% | 2,375 |
| Retained earnings to average equity (ytd only) | 6.5760% | 2,072 |
| Net charge-offs to loans | 0.0542% | 2,058 |
| Credit loss provision to net charge-offs | 201.6129% | 1,299 |
| Earnings coverage of net charge-offs (x) | 34.1773% | 1,503 |
| Efficiency ratio | 62.5271% | 3,243 |
| Assets per employee ($millions) | 6.1366% | 1,504 |
| Cash dividends to net income (ytd only)* | 35.1528% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9410% | 3,867 |
| Loan loss allowance to noncurrent loans | 575.5511% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 4,193 |
| Noncurrent loans to loans | 0.1635% | 3,959 |
| Net loans and leases to total assets | 62.3670% | 3,456 |
| Net loans and leases to deposits | 71.8576% | 3,622 |
| Net loans and leases to core deposits | 81.2371% | 3,297 |
| Total domestic deposits to total assets | 86.7925% | 1,622 |
| Equity capital to assets | 9.3398% | 4,570 |
| Core capital (leverage) ratio | 9.6372% | 4,041 |
| Tier 1 risk-based capital ratio | 15.7930% | 2,518 |
| Total risk-based capital ratio | 16.7934% | 2,567 |
| Memoranda: | ||
| Average total assets | $936,593,500 | 839 |
| Average earning assets | $879,432,250 | 823 |
| Average equity | $86,473,500 | 1,015 |
| Average total loans | $610,269,000 | 902 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7411% | 4,781 |
| Cost of funding earning assets | 0.8994% | 2,143 |
| Net interest margin | 2.8417% | 4,883 |
| Noninterest income to average assets | 0.5722% | 2,275 |
| Noninterest expense to average assets | 2.0264% | 4,563 |
| Loan and lease loss provision to assets | 0.0756% | 2,303 |
| Net operating income to assets | 0.9401% | 3,130 |
| Return on assets (ROA) | 0.9417% | 3,189 |
| Pretax return on assets | 1.1551% | 3,061 |
| Return on Equity (ROE) | 10.2406% | 2,276 |
| Retained earnings to average equity (ytd only) | 6.6195% | 1,996 |
| Net charge-offs to loans | 0.0488% | 1,947 |
| Credit loss provision to net charge-offs | 234.8993% | 1,072 |
| Earnings coverage of net charge-offs (x) | 38.1678% | 1,278 |
| Efficiency ratio | 62.2502% | 3,391 |
| Assets per employee ($millions) | 5.9344% | 1,589 |
| Cash dividends to net income (ytd only)* | 35.3603% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9291% | 3,964 |
| Loan loss allowance to noncurrent loans | 467.0221% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.1308% | 4,101 |
| Noncurrent loans to loans | 0.1989% | 3,835 |
| Net loans and leases to total assets | 65.1525% | 3,213 |
| Net loans and leases to deposits | 75.4672% | 3,378 |
| Net loans and leases to core deposits | 85.6165% | 2,986 |
| Total domestic deposits to total assets | 86.3322% | 1,878 |
| Equity capital to assets | 9.5251% | 4,381 |
| Core capital (leverage) ratio | 9.5563% | 4,095 |
| Tier 1 risk-based capital ratio | 15.5038% | 2,628 |
| Total risk-based capital ratio | 16.4927% | 2,673 |
| Memoranda: | ||
| Average total assets | $925,597,000 | 843 |
| Average earning assets | $873,902,670 | 825 |
| Average equity | $85,112,330 | 1,021 |
| Average total loans | $610,210,670 | 902 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7528% | 4,775 |
| Cost of funding earning assets | 0.8598% | 2,211 |
| Net interest margin | 2.8930% | 4,885 |
| Noninterest income to average assets | 0.5585% | 2,234 |
| Noninterest expense to average assets | 2.0409% | 4,575 |
| Loan and lease loss provision to assets | 0.0759% | 2,163 |
| Net operating income to assets | 0.9535% | 3,036 |
| Return on assets (ROA) | 0.9535% | 3,078 |
| Pretax return on assets | 1.1698% | 2,914 |
| Return on Equity (ROE) | 10.5600% | 2,138 |
| Retained earnings to average equity (ytd only) | 6.8575% | 2,095 |
| Net charge-offs to loans | 0.0532% | 1,526 |
| Credit loss provision to net charge-offs | 216.0494% | 1,004 |
| Earnings coverage of net charge-offs (x) | 35.4691% | 1,230 |
| Efficiency ratio | 62.0976% | 3,520 |
| Assets per employee ($millions) | 6.0061% | 1,543 |
| Cash dividends to net income (ytd only)* | 35.0614% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9172% | 4,091 |
| Loan loss allowance to noncurrent loans | 422.2222% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 4,101 |
| Noncurrent loans to loans | 0.2172% | 3,813 |
| Net loans and leases to total assets | 64.4061% | 3,235 |
| Net loans and leases to deposits | 74.4699% | 3,408 |
| Net loans and leases to core deposits | 84.3162% | 2,997 |
| Total domestic deposits to total assets | 86.4861% | 2,075 |
| Equity capital to assets | 9.0605% | 4,638 |
| Core capital (leverage) ratio | 9.4627% | 4,175 |
| Tier 1 risk-based capital ratio | 15.0829% | 2,852 |
| Total risk-based capital ratio | 16.0420% | 2,903 |
| Memoranda: | ||
| Average total assets | $922,541,500 | 849 |
| Average earning assets | $869,971,500 | 831 |
| Average equity | $83,295,500 | 1,036 |
| Average total loans | $608,954,000 | 909 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5038% | 4,910 |
| Cost of funding earning assets | 0.5805% | 2,851 |
| Net interest margin | 2.9233% | 4,884 |
| Noninterest income to average assets | 0.5910% | 2,346 |
| Noninterest expense to average assets | 2.1067% | 4,549 |
| Loan and lease loss provision to assets | 0.0702% | 2,733 |
| Net operating income to assets | 0.9584% | 3,186 |
| Return on assets (ROA) | 0.9592% | 3,182 |
| Pretax return on assets | 1.1745% | 2,988 |
| Return on Equity (ROE) | 10.9195% | 2,116 |
| Retained earnings to average equity (ytd only) | 7.1471% | 1,604 |
| Net charge-offs to loans | 0.1358% | 1,395 |
| Credit loss provision to net charge-offs | 79.8212% | 2,868 |
| Earnings coverage of net charge-offs (x) | 14.1418% | 2,396 |
| Efficiency ratio | 62.8772% | 3,367 |
| Assets per employee ($millions) | 5.6758% | 1,794 |
| Cash dividends to net income (ytd only)* | 34.5474% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9020% | 4,151 |
| Loan loss allowance to noncurrent loans | 364.9169% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.1657% | 3,995 |
| Noncurrent loans to loans | 0.2472% | 3,699 |
| Net loans and leases to total assets | 66.4415% | 3,066 |
| Net loans and leases to deposits | 76.7435% | 3,297 |
| Net loans and leases to core deposits | 83.8152% | 3,109 |
| Total domestic deposits to total assets | 86.5760% | 1,974 |
| Equity capital to assets | 8.9963% | 4,579 |
| Core capital (leverage) ratio | 9.5396% | 4,076 |
| Tier 1 risk-based capital ratio | 15.1604% | 2,752 |
| Total risk-based capital ratio | 16.1236% | 2,824 |
| Memoranda: | ||
| Average total assets | $890,244,800 | 857 |
| Average earning assets | $840,377,600 | 838 |
| Average equity | $78,199,600 | 1,051 |
| Average total loans | $576,698,000 | 930 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4448% | 4,984 |
| Cost of funding earning assets | 0.5323% | 2,975 |
| Net interest margin | 2.9125% | 4,959 |
| Noninterest income to average assets | 0.5904% | 2,364 |
| Noninterest expense to average assets | 2.0997% | 4,557 |
| Loan and lease loss provision to assets | 0.0735% | 2,482 |
| Net operating income to assets | 0.9606% | 3,264 |
| Return on assets (ROA) | 0.9615% | 3,271 |
| Pretax return on assets | 1.1700% | 3,124 |
| Return on Equity (ROE) | 11.0147% | 2,172 |
| Retained earnings to average equity (ytd only) | 7.2178% | 2,015 |
| Net charge-offs to loans | 0.0389% | 2,303 |
| Credit loss provision to net charge-offs | 293.9759% | 1,041 |
| Earnings coverage of net charge-offs (x) | 49.7164% | 1,178 |
| Efficiency ratio | 62.8277% | 3,373 |
| Assets per employee ($millions) | 5.6025% | 1,825 |
| Cash dividends to net income (ytd only)* | 34.4709% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 3,681 |
| Loan loss allowance to noncurrent loans | 243.7551% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.2716% | 3,597 |
| Noncurrent loans to loans | 0.4155% | 3,166 |
| Net loans and leases to total assets | 64.7051% | 3,344 |
| Net loans and leases to deposits | 73.3569% | 3,655 |
| Net loans and leases to core deposits | 84.1277% | 3,145 |
| Total domestic deposits to total assets | 88.2059% | 1,151 |
| Equity capital to assets | 8.6400% | 4,842 |
| Core capital (leverage) ratio | 9.5101% | 4,163 |
| Tier 1 risk-based capital ratio | 15.3933% | 2,699 |
| Total risk-based capital ratio | 16.4744% | 2,696 |
| Memoranda: | ||
| Average total assets | $885,773,500 | 859 |
| Average earning assets | $836,837,250 | 842 |
| Average equity | $77,325,000 | 1,058 |
| Average total loans | $568,655,750 | 940 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3947% | 5,047 |
| Cost of funding earning assets | 0.4856% | 3,128 |
| Net interest margin | 2.9091% | 5,002 |
| Noninterest income to average assets | 0.5909% | 2,375 |
| Noninterest expense to average assets | 2.0959% | 4,619 |
| Loan and lease loss provision to assets | 0.0738% | 2,411 |
| Net operating income to assets | 0.9648% | 3,171 |
| Return on assets (ROA) | 0.9648% | 3,171 |
| Pretax return on assets | 1.1731% | 3,036 |
| Return on Equity (ROE) | 11.0137% | 2,108 |
| Retained earnings to average equity (ytd only) | 7.2456% | 1,956 |
| Net charge-offs to loans | 0.0335% | 2,182 |
| Credit loss provision to net charge-offs | 345.7447% | 910 |
| Earnings coverage of net charge-offs (x) | 58.3936% | 1,016 |
| Efficiency ratio | 62.6979% | 3,536 |
| Assets per employee ($millions) | 5.4664% | 1,918 |
| Cash dividends to net income (ytd only)* | 34.2124% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0177% | 3,732 |
| Loan loss allowance to noncurrent loans | 185.5790% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.3579% | 3,312 |
| Noncurrent loans to loans | 0.5484% | 2,774 |
| Net loans and leases to total assets | 64.5896% | 3,332 |
| Net loans and leases to deposits | 73.2679% | 3,601 |
| Net loans and leases to core deposits | 85.3374% | 2,980 |
| Total domestic deposits to total assets | 88.1554% | 1,301 |
| Equity capital to assets | 8.7502% | 4,762 |
| Core capital (leverage) ratio | 9.4438% | 4,187 |
| Tier 1 risk-based capital ratio | 15.5523% | 2,616 |
| Total risk-based capital ratio | 16.6458% | 2,617 |
| Memoranda: | ||
| Average total assets | $880,365,000 | 869 |
| Average earning assets | $832,834,000 | 848 |
| Average equity | $77,122,330 | 1,058 |
| Average total loans | $561,670,670 | 947 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3487% | 5,073 |
| Cost of funding earning assets | 0.4506% | 3,197 |
| Net interest margin | 2.8981% | 5,031 |
| Noninterest income to average assets | 0.5860% | 2,331 |
| Noninterest expense to average assets | 2.0511% | 4,756 |
| Loan and lease loss provision to assets | 0.0743% | 2,280 |
| Net operating income to assets | 0.9880% | 2,901 |
| Return on assets (ROA) | 0.9880% | 2,931 |
| Pretax return on assets | 1.2040% | 2,734 |
| Return on Equity (ROE) | 11.2711% | 1,864 |
| Retained earnings to average equity (ytd only) | 7.4916% | 2,049 |
| Net charge-offs to loans | 0.0412% | 1,714 |
| Credit loss provision to net charge-offs | 285.9649% | 844 |
| Earnings coverage of net charge-offs (x) | 49.2105% | 953 |
| Efficiency ratio | 61.6069% | 3,858 |
| Assets per employee ($millions) | 5.5183% | 1,924 |
| Cash dividends to net income (ytd only)* | 33.5332% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 3,791 |
| Loan loss allowance to noncurrent loans | 246.1933% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.2632% | 3,814 |
| Noncurrent loans to loans | 0.4178% | 3,287 |
| Net loans and leases to total assets | 62.3363% | 3,508 |
| Net loans and leases to deposits | 70.4089% | 3,748 |
| Net loans and leases to core deposits | 81.1663% | 3,225 |
| Total domestic deposits to total assets | 88.5348% | 1,336 |
| Equity capital to assets | 8.6171% | 4,888 |
| Core capital (leverage) ratio | 9.3902% | 4,204 |
| Tier 1 risk-based capital ratio | 15.6684% | 2,604 |
| Total risk-based capital ratio | 16.7644% | 2,599 |
| Memoranda: | ||
| Average total assets | $877,772,500 | 876 |
| Average earning assets | $830,881,000 | 856 |
| Average equity | $76,940,000 | 1,067 |
| Average total loans | $553,579,000 | 960 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2551% | 5,128 |
| Cost of funding earning assets | 0.4230% | 3,024 |
| Net interest margin | 2.8321% | 5,125 |
| Noninterest income to average assets | 0.6106% | 2,403 |
| Noninterest expense to average assets | 2.0807% | 4,807 |
| Loan and lease loss provision to assets | 0.0602% | 3,031 |
| Net operating income to assets | 0.7774% | 3,262 |
| Return on assets (ROA) | 0.7774% | 3,302 |
| Pretax return on assets | 1.1533% | 2,970 |
| Return on Equity (ROE) | 8.9580% | 2,335 |
| Retained earnings to average equity (ytd only) | 5.3703% | 1,887 |
| Net charge-offs to loans | 0.0815% | 2,295 |
| Credit loss provision to net charge-offs | 119.5900% | 2,186 |
| Earnings coverage of net charge-offs (x) | 24.1230% | 1,770 |
| Efficiency ratio | 63.1627% | 3,747 |
| Assets per employee ($millions) | 5.3857% | 2,068 |
| Cash dividends to net income (ytd only)* | 40.0501% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0318% | 3,726 |
| Loan loss allowance to noncurrent loans | 218.9922% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 3,689 |
| Noncurrent loans to loans | 0.4712% | 3,095 |
| Net loans and leases to total assets | 62.4989% | 3,553 |
| Net loans and leases to deposits | 70.9758% | 3,792 |
| Net loans and leases to core deposits | 78.2533% | 3,567 |
| Total domestic deposits to total assets | 88.0566% | 1,472 |
| Equity capital to assets | 8.9173% | 4,801 |
| Core capital (leverage) ratio | 9.2133% | 4,380 |
| Tier 1 risk-based capital ratio | 16.0889% | 2,398 |
| Total risk-based capital ratio | 17.2133% | 2,385 |
| Memoranda: | ||
| Average total assets | $872,686,600 | 853 |
| Average earning assets | $826,909,600 | 833 |
| Average equity | $75,731,400 | 1,065 |
| Average total loans | $538,568,200 | 949 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2337% | 5,193 |
| Cost of funding earning assets | 0.4134% | 3,055 |
| Net interest margin | 2.8203% | 5,193 |
| Noninterest income to average assets | 0.5917% | 2,525 |
| Noninterest expense to average assets | 2.0748% | 4,792 |
| Loan and lease loss provision to assets | 0.0715% | 2,647 |
| Net operating income to assets | 0.8311% | 3,382 |
| Return on assets (ROA) | 0.8356% | 3,397 |
| Pretax return on assets | 1.1239% | 3,216 |
| Return on Equity (ROE) | 9.6953% | 2,262 |
| Retained earnings to average equity (ytd only) | 6.1325% | 2,149 |
| Net charge-offs to loans | 0.0853% | 1,947 |
| Credit loss provision to net charge-offs | 136.7347% | 1,800 |
| Earnings coverage of net charge-offs (x) | 22.7319% | 1,845 |
| Efficiency ratio | 63.5637% | 3,636 |
| Assets per employee ($millions) | 5.7022% | 1,715 |
| Cash dividends to net income (ytd only)* | 36.7469% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0421% | 3,832 |
| Loan loss allowance to noncurrent loans | 185.2214% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.3410% | 3,681 |
| Noncurrent loans to loans | 0.5626% | 3,012 |
| Net loans and leases to total assets | 59.9743% | 3,868 |
| Net loans and leases to deposits | 67.5787% | 4,140 |
| Net loans and leases to core deposits | 75.8713% | 3,808 |
| Total domestic deposits to total assets | 88.7474% | 995 |
| Equity capital to assets | 8.6095% | 5,221 |
| Core capital (leverage) ratio | 9.0002% | 4,737 |
| Tier 1 risk-based capital ratio | 15.6529% | 2,654 |
| Total risk-based capital ratio | 16.7709% | 2,647 |
| Memoranda: | ||
| Average total assets | $874,085,250 | 863 |
| Average earning assets | $828,254,500 | 840 |
| Average equity | $75,334,000 | 1,074 |
| Average total loans | $536,317,000 | 956 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2075% | 5,229 |
| Cost of funding earning assets | 0.4033% | 3,041 |
| Net interest margin | 2.8042% | 5,236 |
| Noninterest income to average assets | 0.6078% | 2,422 |
| Noninterest expense to average assets | 2.0644% | 4,842 |
| Loan and lease loss provision to assets | 0.0839% | 2,308 |
| Net operating income to assets | 0.8343% | 3,225 |
| Return on assets (ROA) | 0.8343% | 3,279 |
| Pretax return on assets | 1.1231% | 3,078 |
| Return on Equity (ROE) | 9.6770% | 2,182 |
| Retained earnings to average equity (ytd only) | 6.0786% | 2,071 |
| Net charge-offs to loans | 0.0822% | 1,792 |
| Credit loss provision to net charge-offs | 165.7534% | 1,429 |
| Earnings coverage of net charge-offs (x) | 23.8402% | 1,660 |
| Efficiency ratio | 63.1051% | 3,817 |
| Assets per employee ($millions) | 5.6048% | 1,784 |
| Cash dividends to net income (ytd only)* | 37.1848% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0610% | 3,787 |
| Loan loss allowance to noncurrent loans | 178.4866% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.3634% | 3,659 |
| Noncurrent loans to loans | 0.5945% | 2,950 |
| Net loans and leases to total assets | 60.4857% | 3,799 |
| Net loans and leases to deposits | 68.1838% | 4,052 |
| Net loans and leases to core deposits | 76.8421% | 3,692 |
| Total domestic deposits to total assets | 88.7098% | 1,101 |
| Equity capital to assets | 8.6818% | 5,162 |
| Core capital (leverage) ratio | 9.0568% | 4,660 |
| Tier 1 risk-based capital ratio | 15.6290% | 2,652 |
| Total risk-based capital ratio | 16.7659% | 2,634 |
| Memoranda: | ||
| Average total assets | $865,129,000 | 875 |
| Average earning assets | $821,753,000 | 850 |
| Average equity | $74,589,330 | 1,082 |
| Average total loans | $533,079,000 | 966 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1966% | 5,251 |
| Cost of funding earning assets | 0.3977% | 3,013 |
| Net interest margin | 2.7989% | 5,239 |
| Noninterest income to average assets | 0.5941% | 2,447 |
| Noninterest expense to average assets | 2.0324% | 4,972 |
| Loan and lease loss provision to assets | 0.0844% | 2,128 |
| Net operating income to assets | 0.8413% | 3,034 |
| Return on assets (ROA) | 0.8413% | 3,079 |
| Pretax return on assets | 1.1393% | 2,826 |
| Return on Equity (ROE) | 9.7929% | 2,060 |
| Retained earnings to average equity (ytd only) | 6.1504% | 2,254 |
| Net charge-offs to loans | 0.0867% | 1,477 |
| Credit loss provision to net charge-offs | 157.3913% | 1,182 |
| Earnings coverage of net charge-offs (x) | 22.8174% | 1,408 |
| Efficiency ratio | 62.4176% | 4,091 |
| Assets per employee ($millions) | 5.5013% | 1,888 |
| Cash dividends to net income (ytd only)* | 37.1951% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 3,937 |
| Loan loss allowance to noncurrent loans | 145.9305% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.4495% | 3,394 |
| Noncurrent loans to loans | 0.7257% | 2,685 |
| Net loans and leases to total assets | 61.2900% | 3,626 |
| Net loans and leases to deposits | 68.9254% | 3,900 |
| Net loans and leases to core deposits | 77.6504% | 3,502 |
| Total domestic deposits to total assets | 88.9221% | 1,179 |
| Equity capital to assets | 8.6815% | 5,087 |
| Core capital (leverage) ratio | 8.9865% | 4,755 |
| Tier 1 risk-based capital ratio | 15.6043% | 2,713 |
| Total risk-based capital ratio | 16.7404% | 2,691 |
| Memoranda: | ||
| Average total assets | $857,713,500 | 882 |
| Average earning assets | $815,750,500 | 856 |
| Average equity | $73,686,000 | 1,088 |
| Average total loans | $530,639,500 | 970 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1772% | 5,333 |
| Cost of funding earning assets | 0.3985% | 3,013 |
| Net interest margin | 2.7787% | 5,324 |
| Noninterest income to average assets | 0.5963% | 2,686 |
| Noninterest expense to average assets | 2.0807% | 5,032 |
| Loan and lease loss provision to assets | 0.0593% | 3,201 |
| Net operating income to assets | 0.8242% | 3,188 |
| Return on assets (ROA) | 0.8271% | 3,277 |
| Pretax return on assets | 1.1228% | 3,006 |
| Return on Equity (ROE) | 9.5012% | 2,198 |
| Retained earnings to average equity (ytd only) | 5.9575% | 1,729 |
| Net charge-offs to loans | 0.0946% | 2,352 |
| Credit loss provision to net charge-offs | 104.6025% | 2,478 |
| Earnings coverage of net charge-offs (x) | 20.7741% | 1,837 |
| Efficiency ratio | 63.8462% | 3,962 |
| Assets per employee ($millions) | 5.5305% | 1,841 |
| Cash dividends to net income (ytd only)* | 37.2974% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0505% | 4,010 |
| Loan loss allowance to noncurrent loans | 129.6063% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.5008% | 3,257 |
| Noncurrent loans to loans | 0.8105% | 2,494 |
| Net loans and leases to total assets | 61.1384% | 3,708 |
| Net loans and leases to deposits | 69.8891% | 3,914 |
| Net loans and leases to core deposits | 78.5878% | 3,524 |
| Total domestic deposits to total assets | 87.4791% | 1,890 |
| Equity capital to assets | 8.5004% | 5,270 |
| Core capital (leverage) ratio | 8.1215% | 5,546 |
| Tier 1 risk-based capital ratio | 14.2877% | 3,290 |
| Total risk-based capital ratio | 15.4309% | 3,286 |
| Memoranda: | ||
| Average total assets | $842,794,200 | 859 |
| Average earning assets | $807,574,600 | 828 |
| Average equity | $73,370,000 | 1,081 |
| Average total loans | $505,130,000 | 966 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1760% | 5,400 |
| Cost of funding earning assets | 0.4003% | 3,021 |
| Net interest margin | 2.7756% | 5,396 |
| Noninterest income to average assets | 0.5993% | 2,663 |
| Noninterest expense to average assets | 2.0940% | 5,014 |
| Loan and lease loss provision to assets | 0.0596% | 3,065 |
| Net operating income to assets | 0.8142% | 3,301 |
| Return on assets (ROA) | 0.8181% | 3,421 |
| Pretax return on assets | 1.1122% | 3,178 |
| Return on Equity (ROE) | 9.3409% | 2,341 |
| Retained earnings to average equity (ytd only) | 5.8034% | 2,298 |
| Net charge-offs to loans | 0.0574% | 2,536 |
| Credit loss provision to net charge-offs | 174.4186% | 1,598 |
| Earnings coverage of net charge-offs (x) | 34.1488% | 1,369 |
| Efficiency ratio | 64.2238% | 3,893 |
| Assets per employee ($millions) | 5.4477% | 1,903 |
| Cash dividends to net income (ytd only)* | 37.8715% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1137% | 3,761 |
| Loan loss allowance to noncurrent loans | 215.2510% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.3058% | 4,189 |
| Noncurrent loans to loans | 0.5174% | 3,443 |
| Net loans and leases to total assets | 58.4505% | 4,055 |
| Net loans and leases to deposits | 65.1891% | 4,408 |
| Net loans and leases to core deposits | 72.9644% | 4,091 |
| Total domestic deposits to total assets | 89.6631% | 599 |
| Equity capital to assets | 8.7007% | 5,395 |
| Core capital (leverage) ratio | 8.9578% | 4,873 |
| Tier 1 risk-based capital ratio | 15.9434% | 2,649 |
| Total risk-based capital ratio | 17.1551% | 2,603 |
| Memoranda: | ||
| Average total assets | $839,185,000 | 861 |
| Average earning assets | $804,610,250 | 826 |
| Average equity | $73,495,500 | 1,083 |
| Average total loans | $498,997,250 | 976 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1672% | 5,480 |
| Cost of funding earning assets | 0.3898% | 3,153 |
| Net interest margin | 2.7773% | 5,462 |
| Noninterest income to average assets | 0.5905% | 2,668 |
| Noninterest expense to average assets | 2.1053% | 5,045 |
| Loan and lease loss provision to assets | 0.0602% | 2,936 |
| Net operating income to assets | 0.8068% | 3,280 |
| Return on assets (ROA) | 0.8068% | 3,412 |
| Pretax return on assets | 1.0923% | 3,230 |
| Return on Equity (ROE) | 9.1914% | 2,409 |
| Retained earnings to average equity (ytd only) | 5.6235% | 2,350 |
| Net charge-offs to loans | 0.0396% | 2,667 |
| Credit loss provision to net charge-offs | 255.1020% | 1,081 |
| Earnings coverage of net charge-offs (x) | 48.8163% | 1,008 |
| Efficiency ratio | 64.6232% | 3,907 |
| Assets per employee ($millions) | 5.1720% | 2,114 |
| Cash dividends to net income (ytd only)* | 38.8176% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 3,834 |
| Loan loss allowance to noncurrent loans | 192.4949% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.3530% | 4,075 |
| Noncurrent loans to loans | 0.5823% | 3,318 |
| Net loans and leases to total assets | 59.9455% | 3,888 |
| Net loans and leases to deposits | 67.0290% | 4,263 |
| Net loans and leases to core deposits | 75.4113% | 3,874 |
| Total domestic deposits to total assets | 89.4323% | 718 |
| Equity capital to assets | 8.9446% | 5,280 |
| Core capital (leverage) ratio | 8.9092% | 4,930 |
| Tier 1 risk-based capital ratio | 15.8034% | 2,739 |
| Total risk-based capital ratio | 17.0215% | 2,684 |
| Memoranda: | ||
| Average total assets | $830,185,330 | 873 |
| Average earning assets | $797,307,670 | 834 |
| Average equity | $72,872,670 | 1,091 |
| Average total loans | $494,666,000 | 988 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1787% | 5,516 |
| Cost of funding earning assets | 0.3845% | 3,251 |
| Net interest margin | 2.7943% | 5,471 |
| Noninterest income to average assets | 0.5533% | 2,784 |
| Noninterest expense to average assets | 2.0994% | 5,112 |
| Loan and lease loss provision to assets | 0.0605% | 2,737 |
| Net operating income to assets | 0.7919% | 3,286 |
| Return on assets (ROA) | 0.7919% | 3,390 |
| Pretax return on assets | 1.0741% | 3,188 |
| Return on Equity (ROE) | 9.1095% | 2,369 |
| Retained earnings to average equity (ytd only) | 5.4902% | 2,659 |
| Net charge-offs to loans | 0.0270% | 2,397 |
| Credit loss provision to net charge-offs | 378.7879% | 736 |
| Earnings coverage of net charge-offs (x) | 71.0303% | 683 |
| Efficiency ratio | 64.9154% | 3,990 |
| Assets per employee ($millions) | 5.3671% | 1,958 |
| Cash dividends to net income (ytd only)* | 39.7311% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 3,798 |
| Loan loss allowance to noncurrent loans | 185.6955% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.3624% | 4,115 |
| Noncurrent loans to loans | 0.6169% | 3,322 |
| Net loans and leases to total assets | 58.0682% | 4,040 |
| Net loans and leases to deposits | 64.6706% | 4,373 |
| Net loans and leases to core deposits | 72.6380% | 4,014 |
| Total domestic deposits to total assets | 89.7908% | 685 |
| Equity capital to assets | 8.7316% | 5,400 |
| Core capital (leverage) ratio | 8.8550% | 5,021 |
| Tier 1 risk-based capital ratio | 16.2751% | 2,563 |
| Total risk-based capital ratio | 17.5253% | 2,521 |
| Memoranda: | ||
| Average total assets | $826,346,000 | 881 |
| Average earning assets | $792,769,000 | 842 |
| Average equity | $71,837,000 | 1,100 |
| Average total loans | $488,021,000 | 998 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2297% | 5,473 |
| Cost of funding earning assets | 0.4029% | 3,122 |
| Net interest margin | 2.8268% | 5,467 |
| Noninterest income to average assets | 0.6413% | 2,510 |
| Noninterest expense to average assets | 2.1576% | 5,137 |
| Loan and lease loss provision to assets | 0.0316% | 3,735 |
| Net operating income to assets | 0.8511% | 3,111 |
| Return on assets (ROA) | 0.8501% | 3,183 |
| Pretax return on assets | 1.1566% | 2,820 |
| Return on Equity (ROE) | 9.4635% | 2,235 |
| Retained earnings to average equity (ytd only) | 0.5253% | 5,311 |
| Net charge-offs to loans | 0.0161% | 3,968 |
| Credit loss provision to net charge-offs | 333.3333% | 897 |
| Earnings coverage of net charge-offs (x) | 125.3867% | 486 |
| Efficiency ratio | 64.4609% | 4,177 |
| Assets per employee ($millions) | 5.2271% | 2,090 |
| Cash dividends to net income (ytd only)* | 94.4494% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 3,782 |
| Loan loss allowance to noncurrent loans | 167.0283% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.4069% | 3,971 |
| Noncurrent loans to loans | 0.6852% | 3,145 |
| Net loans and leases to total assets | 58.7031% | 4,001 |
| Net loans and leases to deposits | 65.0744% | 4,393 |
| Net loans and leases to core deposits | 73.0150% | 4,039 |
| Total domestic deposits to total assets | 90.2092% | 541 |
| Equity capital to assets | 8.6541% | 5,422 |
| Core capital (leverage) ratio | 8.9565% | 4,930 |
| Tier 1 risk-based capital ratio | 16.3992% | 2,528 |
| Total risk-based capital ratio | 17.6491% | 2,484 |
| Memoranda: | ||
| Average total assets | $790,537,800 | 874 |
| Average earning assets | $756,717,200 | 839 |
| Average equity | $71,009,800 | 1,075 |
| Average total loans | $466,345,400 | 990 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2672% | 5,469 |
| Cost of funding earning assets | 0.4111% | 3,116 |
| Net interest margin | 2.8561% | 5,483 |
| Noninterest income to average assets | 0.6378% | 2,539 |
| Noninterest expense to average assets | 2.1508% | 5,167 |
| Loan and lease loss provision to assets | 0.0425% | 3,362 |
| Net operating income to assets | 0.8667% | 3,102 |
| Return on assets (ROA) | 0.8653% | 3,196 |
| Pretax return on assets | 1.1755% | 2,909 |
| Return on Equity (ROE) | 9.5423% | 2,297 |
| Retained earnings to average equity (ytd only) | -1.2336% | 5,785 |
| Net charge-offs to loans | 0.0049% | 4,002 |
| Credit loss provision to net charge-offs | 1,470.5882% | 248 |
| Earnings coverage of net charge-offs (x) | 422.0450% | 174 |
| Efficiency ratio | 63.8088% | 4,285 |
| Assets per employee ($millions) | 5.2754% | 1,975 |
| Cash dividends to net income (ytd only)* | 112.9273% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 3,677 |
| Loan loss allowance to noncurrent loans | 164.7059% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.4131% | 4,119 |
| Noncurrent loans to loans | 0.7268% | 3,155 |
| Net loans and leases to total assets | 56.1635% | 4,337 |
| Net loans and leases to deposits | 62.1868% | 4,707 |
| Net loans and leases to core deposits | 69.3818% | 4,428 |
| Total domestic deposits to total assets | 90.3142% | 457 |
| Equity capital to assets | 8.5389% | 5,686 |
| Core capital (leverage) ratio | 9.0653% | 4,922 |
| Tier 1 risk-based capital ratio | 16.7293% | 2,467 |
| Total risk-based capital ratio | 17.9802% | 2,423 |
| Memoranda: | ||
| Average total assets | $784,314,750 | 885 |
| Average earning assets | $750,461,250 | 852 |
| Average equity | $71,120,250 | 1,079 |
| Average total loans | $461,875,500 | 1,004 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3233% | 5,392 |
| Cost of funding earning assets | 0.4249% | 2,987 |
| Net interest margin | 2.8983% | 5,446 |
| Noninterest income to average assets | 0.6710% | 2,351 |
| Noninterest expense to average assets | 2.1827% | 5,162 |
| Loan and lease loss provision to assets | 0.0454% | 3,206 |
| Net operating income to assets | 0.8921% | 2,925 |
| Return on assets (ROA) | 0.8900% | 3,058 |
| Pretax return on assets | 1.2164% | 2,710 |
| Return on Equity (ROE) | 9.6158% | 2,249 |
| Retained earnings to average equity (ytd only) | 6.1034% | 2,170 |
| Net charge-offs to loans | -0.0161% | 5,087 |
| Credit loss provision to net charge-offs | -472.9730% | 5,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3150% | 4,465 |
| Assets per employee ($millions) | 4.8632% | 2,448 |
| Cash dividends to net income (ytd only)* | 36.5278% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 3,759 |
| Loan loss allowance to noncurrent loans | 189.1828% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.3790% | 4,377 |
| Noncurrent loans to loans | 0.6373% | 3,562 |
| Net loans and leases to total assets | 58.7546% | 4,009 |
| Net loans and leases to deposits | 65.5614% | 4,378 |
| Net loans and leases to core deposits | 73.7006% | 3,978 |
| Total domestic deposits to total assets | 89.6176% | 833 |
| Equity capital to assets | 9.2842% | 4,914 |
| Core capital (leverage) ratio | 9.5023% | 4,280 |
| Tier 1 risk-based capital ratio | 17.7093% | 2,153 |
| Total risk-based capital ratio | 18.9604% | 2,101 |
| Memoranda: | ||
| Average total assets | $771,431,670 | 903 |
| Average earning assets | $738,974,000 | 873 |
| Average equity | $71,403,000 | 1,074 |
| Average total loans | $459,899,000 | 1,010 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2948% | 5,462 |
| Cost of funding earning assets | 0.4267% | 2,999 |
| Net interest margin | 2.8680% | 5,510 |
| Noninterest income to average assets | 0.7124% | 2,116 |
| Noninterest expense to average assets | 2.1315% | 5,317 |
| Loan and lease loss provision to assets | 0.0458% | 3,007 |
| Net operating income to assets | 0.9238% | 2,636 |
| Return on assets (ROA) | 0.9197% | 2,775 |
| Pretax return on assets | 1.2769% | 2,368 |
| Return on Equity (ROE) | 9.9515% | 2,026 |
| Retained earnings to average equity (ytd only) | 6.4183% | 2,277 |
| Net charge-offs to loans | 0.0140% | 2,895 |
| Credit loss provision to net charge-offs | 550.0000% | 504 |
| Earnings coverage of net charge-offs (x) | 159.4375% | 343 |
| Efficiency ratio | 61.6045% | 4,867 |
| Assets per employee ($millions) | 5.2120% | 2,095 |
| Cash dividends to net income (ytd only)* | 35.5040% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1731% | 4,131 |
| Loan loss allowance to noncurrent loans | 168.8606% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 4,356 |
| Noncurrent loans to loans | 0.6947% | 3,538 |
| Net loans and leases to total assets | 58.6116% | 3,858 |
| Net loans and leases to deposits | 65.3642% | 4,222 |
| Net loans and leases to core deposits | 73.4643% | 3,830 |
| Total domestic deposits to total assets | 89.6693% | 919 |
| Equity capital to assets | 9.1968% | 5,087 |
| Core capital (leverage) ratio | 9.4585% | 4,338 |
| Tier 1 risk-based capital ratio | 17.2956% | 2,381 |
| Total risk-based capital ratio | 18.5454% | 2,335 |
| Memoranda: | ||
| Average total assets | $768,094,500 | 907 |
| Average earning assets | $735,833,000 | 875 |
| Average equity | $70,984,000 | 1,086 |
| Average total loans | $458,472,500 | 1,013 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4208% | 5,492 |
| Cost of funding earning assets | 0.4680% | 2,996 |
| Net interest margin | 2.9529% | 5,545 |
| Noninterest income to average assets | 0.6355% | 2,642 |
| Noninterest expense to average assets | 2.2236% | 5,292 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8919% | 2,920 |
| Return on assets (ROA) | 0.8949% | 2,990 |
| Pretax return on assets | 1.2315% | 2,523 |
| Return on Equity (ROE) | 9.7258% | 2,243 |
| Retained earnings to average equity (ytd only) | 6.1425% | 1,834 |
| Net charge-offs to loans | 0.2059% | 2,020 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 10.1893% | 2,644 |
| Efficiency ratio | 64.4333% | 4,525 |
| Assets per employee ($millions) | 4.8358% | 2,551 |
| Cash dividends to net income (ytd only)* | 36.8437% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 4,106 |
| Loan loss allowance to noncurrent loans | 179.7990% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.4124% | 4,448 |
| Noncurrent loans to loans | 0.6585% | 3,711 |
| Net loans and leases to total assets | 59.3743% | 3,862 |
| Net loans and leases to deposits | 68.2186% | 4,105 |
| Net loans and leases to core deposits | 73.7215% | 3,944 |
| Total domestic deposits to total assets | 87.0354% | 2,262 |
| Equity capital to assets | 9.2880% | 4,961 |
| Core capital (leverage) ratio | 9.4842% | 4,269 |
| Tier 1 risk-based capital ratio | 17.7439% | 2,222 |
| Total risk-based capital ratio | 18.9950% | 2,186 |
| Memoranda: | ||
| Average total assets | $732,186,600 | 918 |
| Average earning assets | $698,134,400 | 880 |
| Average equity | $67,367,000 | 1,096 |
| Average total loans | $428,386,800 | 1,027 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4188% | 5,558 |
| Cost of funding earning assets | 0.4728% | 3,027 |
| Net interest margin | 2.9460% | 5,608 |
| Noninterest income to average assets | 0.6125% | 2,790 |
| Noninterest expense to average assets | 2.1975% | 5,356 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8909% | 2,953 |
| Return on assets (ROA) | 0.8949% | 3,034 |
| Pretax return on assets | 1.2272% | 2,666 |
| Return on Equity (ROE) | 9.7501% | 2,330 |
| Retained earnings to average equity (ytd only) | 6.1315% | 2,324 |
| Net charge-offs to loans | 0.0689% | 3,213 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 30.5412% | 1,350 |
| Efficiency ratio | 64.2696% | 4,495 |
| Assets per employee ($millions) | 5.0500% | 2,181 |
| Cash dividends to net income (ytd only)* | 37.1130% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3743% | 3,288 |
| Loan loss allowance to noncurrent loans | 180.8938% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.4510% | 4,550 |
| Noncurrent loans to loans | 0.7597% | 3,699 |
| Net loans and leases to total assets | 56.7603% | 4,232 |
| Net loans and leases to deposits | 63.1324% | 4,624 |
| Net loans and leases to core deposits | 69.3293% | 4,386 |
| Total domestic deposits to total assets | 89.9068% | 785 |
| Equity capital to assets | 8.9917% | 5,363 |
| Core capital (leverage) ratio | 9.5092% | 4,354 |
| Tier 1 risk-based capital ratio | 17.8402% | 2,263 |
| Total risk-based capital ratio | 19.0937% | 2,222 |
| Memoranda: | ||
| Average total assets | $726,635,250 | 933 |
| Average earning assets | $692,274,250 | 893 |
| Average equity | $66,691,750 | 1,109 |
| Average total loans | $422,163,000 | 1,040 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4380% | 5,547 |
| Cost of funding earning assets | 0.4762% | 3,054 |
| Net interest margin | 2.9618% | 5,607 |
| Noninterest income to average assets | 0.6104% | 2,764 |
| Noninterest expense to average assets | 2.2092% | 5,392 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9003% | 2,802 |
| Return on assets (ROA) | 0.9042% | 2,886 |
| Pretax return on assets | 1.2386% | 2,507 |
| Return on Equity (ROE) | 9.7810% | 2,251 |
| Retained earnings to average equity (ytd only) | 6.1332% | 2,244 |
| Net charge-offs to loans | 0.0461% | 3,319 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 45.9063% | 964 |
| Efficiency ratio | 64.1736% | 4,664 |
| Assets per employee ($millions) | 4.7809% | 2,501 |
| Cash dividends to net income (ytd only)* | 37.2950% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4581% | 3,084 |
| Loan loss allowance to noncurrent loans | 177.2688% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.4820% | 4,563 |
| Noncurrent loans to loans | 0.8225% | 3,647 |
| Net loans and leases to total assets | 56.4800% | 4,205 |
| Net loans and leases to deposits | 62.9914% | 4,595 |
| Net loans and leases to core deposits | 68.9302% | 4,372 |
| Total domestic deposits to total assets | 89.6629% | 986 |
| Equity capital to assets | 9.2301% | 5,068 |
| Core capital (leverage) ratio | 9.5454% | 4,257 |
| Tier 1 risk-based capital ratio | 18.3244% | 2,123 |
| Total risk-based capital ratio | 19.5793% | 2,090 |
| Memoranda: | ||
| Average total assets | $714,663,330 | 945 |
| Average earning assets | $683,362,330 | 903 |
| Average equity | $66,067,000 | 1,107 |
| Average total loans | $416,598,330 | 1,047 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4692% | 5,506 |
| Cost of funding earning assets | 0.4715% | 3,217 |
| Net interest margin | 2.9978% | 5,526 |
| Noninterest income to average assets | 0.6069% | 2,700 |
| Noninterest expense to average assets | 2.1953% | 5,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9310% | 2,503 |
| Return on assets (ROA) | 0.9388% | 2,532 |
| Pretax return on assets | 1.2951% | 2,112 |
| Return on Equity (ROE) | 10.1472% | 1,981 |
| Retained earnings to average equity (ytd only) | 6.4495% | 2,317 |
| Net charge-offs to loans | 0.0947% | 2,219 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 23.0612% | 1,225 |
| Efficiency ratio | 63.0900% | 4,991 |
| Assets per employee ($millions) | 4.8113% | 2,496 |
| Cash dividends to net income (ytd only)* | 36.4407% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4747% | 3,266 |
| Loan loss allowance to noncurrent loans | 167.6479% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.5192% | 4,598 |
| Noncurrent loans to loans | 0.8796% | 3,685 |
| Net loans and leases to total assets | 56.9440% | 4,009 |
| Net loans and leases to deposits | 63.3401% | 4,395 |
| Net loans and leases to core deposits | 67.2114% | 4,380 |
| Total domestic deposits to total assets | 89.9020% | 1,127 |
| Equity capital to assets | 9.1774% | 4,898 |
| Core capital (leverage) ratio | 9.6630% | 4,041 |
| Tier 1 risk-based capital ratio | 18.5887% | 2,095 |
| Total risk-based capital ratio | 19.8434% | 2,059 |
| Memoranda: | ||
| Average total assets | $703,863,500 | 963 |
| Average earning assets | $674,497,500 | 919 |
| Average equity | $65,121,500 | 1,121 |
| Average total loans | $413,900,500 | 1,059 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5900% | 5,432 |
| Cost of funding earning assets | 0.4703% | 3,907 |
| Net interest margin | 3.1197% | 5,257 |
| Noninterest income to average assets | 0.7131% | 2,464 |
| Noninterest expense to average assets | 2.3571% | 5,211 |
| Loan and lease loss provision to assets | 0.0075% | 4,976 |
| Net operating income to assets | 0.9538% | 2,552 |
| Return on assets (ROA) | 0.9640% | 2,563 |
| Pretax return on assets | 1.3347% | 2,032 |
| Return on Equity (ROE) | 10.0763% | 2,082 |
| Retained earnings to average equity (ytd only) | 6.3939% | 1,744 |
| Net charge-offs to loans | 0.0957% | 3,884 |
| Credit loss provision to net charge-offs | 13.2275% | 4,548 |
| Earnings coverage of net charge-offs (x) | 23.2963% | 1,415 |
| Efficiency ratio | 63.8920% | 4,916 |
| Assets per employee ($millions) | 4.5735% | 2,773 |
| Cash dividends to net income (ytd only)* | 36.5457% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5216% | 3,088 |
| Loan loss allowance to noncurrent loans | 227.8993% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.4111% | 5,022 |
| Noncurrent loans to loans | 0.6677% | 4,305 |
| Net loans and leases to total assets | 58.9533% | 3,881 |
| Net loans and leases to deposits | 68.8953% | 3,919 |
| Net loans and leases to core deposits | 72.9898% | 3,950 |
| Total domestic deposits to total assets | 85.5694% | 3,474 |
| Equity capital to assets | 9.3305% | 4,653 |
| Core capital (leverage) ratio | 9.9021% | 3,698 |
| Tier 1 risk-based capital ratio | 18.7698% | 1,987 |
| Total risk-based capital ratio | 20.0261% | 1,947 |
| Memoranda: | ||
| Average total assets | $663,065,000 | 1,007 |
| Average earning assets | $631,692,800 | 960 |
| Average equity | $63,435,800 | 1,129 |
| Average total loans | $394,803,800 | 1,089 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5864% | 5,479 |
| Cost of funding earning assets | 0.4677% | 4,084 |
| Net interest margin | 3.1187% | 5,269 |
| Noninterest income to average assets | 0.7174% | 2,522 |
| Noninterest expense to average assets | 2.3257% | 5,254 |
| Loan and lease loss provision to assets | 0.0101% | 4,789 |
| Net operating income to assets | 0.9710% | 2,501 |
| Return on assets (ROA) | 0.9848% | 2,545 |
| Pretax return on assets | 1.3696% | 2,043 |
| Return on Equity (ROE) | 10.2274% | 2,091 |
| Retained earnings to average equity (ytd only) | 6.5725% | 2,094 |
| Net charge-offs to loans | 0.0884% | 3,686 |
| Credit loss provision to net charge-offs | 19.3050% | 4,085 |
| Earnings coverage of net charge-offs (x) | 25.9000% | 1,366 |
| Efficiency ratio | 63.0186% | 4,987 |
| Assets per employee ($millions) | 4.4241% | 3,006 |
| Cash dividends to net income (ytd only)* | 35.7364% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6048% | 2,984 |
| Loan loss allowance to noncurrent loans | 187.0447% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.5215% | 4,874 |
| Noncurrent loans to loans | 0.8580% | 4,105 |
| Net loans and leases to total assets | 58.4354% | 3,937 |
| Net loans and leases to deposits | 65.2112% | 4,383 |
| Net loans and leases to core deposits | 68.8930% | 4,441 |
| Total domestic deposits to total assets | 89.6095% | 1,218 |
| Equity capital to assets | 9.4403% | 4,628 |
| Core capital (leverage) ratio | 10.0127% | 3,662 |
| Tier 1 risk-based capital ratio | 18.9412% | 2,009 |
| Total risk-based capital ratio | 20.1985% | 1,961 |
| Memoranda: | ||
| Average total assets | $657,324,000 | 1,019 |
| Average earning assets | $625,748,500 | 979 |
| Average equity | $63,292,250 | 1,149 |
| Average total loans | $390,833,250 | 1,097 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5773% | 5,502 |
| Cost of funding earning assets | 0.4648% | 4,260 |
| Net interest margin | 3.1125% | 5,240 |
| Noninterest income to average assets | 0.7113% | 2,588 |
| Noninterest expense to average assets | 2.3422% | 5,233 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9634% | 2,494 |
| Return on assets (ROA) | 0.9832% | 2,548 |
| Pretax return on assets | 1.3669% | 2,054 |
| Return on Equity (ROE) | 10.1439% | 2,141 |
| Retained earnings to average equity (ytd only) | 6.4985% | 2,146 |
| Net charge-offs to loans | 0.0998% | 3,367 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 22.5670% | 1,362 |
| Efficiency ratio | 63.5450% | 4,929 |
| Assets per employee ($millions) | 4.3425% | 3,097 |
| Cash dividends to net income (ytd only)* | 35.9365% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6175% | 3,093 |
| Loan loss allowance to noncurrent loans | 154.7394% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.6413% | 4,625 |
| Noncurrent loans to loans | 1.0453% | 3,845 |
| Net loans and leases to total assets | 59.2100% | 3,796 |
| Net loans and leases to deposits | 67.2350% | 4,108 |
| Net loans and leases to core deposits | 71.5964% | 4,097 |
| Total domestic deposits to total assets | 88.0642% | 2,201 |
| Equity capital to assets | 9.5291% | 4,550 |
| Core capital (leverage) ratio | 9.9729% | 3,563 |
| Tier 1 risk-based capital ratio | 18.7271% | 2,073 |
| Total risk-based capital ratio | 19.9845% | 2,036 |
| Memoranda: | ||
| Average total assets | $653,751,330 | 1,028 |
| Average earning assets | $623,870,000 | 982 |
| Average equity | $63,368,000 | 1,154 |
| Average total loans | $388,864,330 | 1,097 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6244% | 5,375 |
| Cost of funding earning assets | 0.4724% | 4,346 |
| Net interest margin | 3.1520% | 5,086 |
| Noninterest income to average assets | 0.6894% | 2,656 |
| Noninterest expense to average assets | 2.2979% | 5,427 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9921% | 2,254 |
| Return on assets (ROA) | 1.0313% | 2,217 |
| Pretax return on assets | 1.4559% | 1,696 |
| Return on Equity (ROE) | 10.5500% | 1,858 |
| Retained earnings to average equity (ytd only) | 6.9330% | 2,185 |
| Net charge-offs to loans | 0.0860% | 2,977 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 27.5422% | 1,013 |
| Efficiency ratio | 62.0610% | 5,294 |
| Assets per employee ($millions) | 4.3165% | 3,305 |
| Cash dividends to net income (ytd only)* | 34.2840% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6788% | 3,096 |
| Loan loss allowance to noncurrent loans | 108.3055% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.9261% | 4,078 |
| Noncurrent loans to loans | 1.5501% | 3,223 |
| Net loans and leases to total assets | 58.3516% | 3,729 |
| Net loans and leases to deposits | 65.4112% | 4,132 |
| Net loans and leases to core deposits | 69.6465% | 4,124 |
| Total domestic deposits to total assets | 89.2073% | 1,554 |
| Equity capital to assets | 9.8424% | 4,365 |
| Core capital (leverage) ratio | 9.9461% | 3,463 |
| Tier 1 risk-based capital ratio | 19.5881% | 1,887 |
| Total risk-based capital ratio | 20.8476% | 1,860 |
| Memoranda: | ||
| Average total assets | $652,772,000 | 1,041 |
| Average earning assets | $623,213,500 | 999 |
| Average equity | $63,810,500 | 1,159 |
| Average total loans | $385,982,000 | 1,108 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8071% | 5,807 |
| Cost of funding earning assets | 0.6046% | 4,305 |
| Net interest margin | 3.2025% | 5,564 |
| Noninterest income to average assets | 0.6567% | 2,957 |
| Noninterest expense to average assets | 2.3432% | 5,583 |
| Loan and lease loss provision to assets | 0.1046% | 4,332 |
| Net operating income to assets | 0.9285% | 2,658 |
| Return on assets (ROA) | 0.9577% | 2,758 |
| Pretax return on assets | 1.3192% | 2,327 |
| Return on Equity (ROE) | 10.1132% | 2,122 |
| Retained earnings to average equity (ytd only) | 6.3152% | 1,914 |
| Net charge-offs to loans | 0.1105% | 4,569 |
| Credit loss provision to net charge-offs | 161.4833% | 1,663 |
| Earnings coverage of net charge-offs (x) | 21.3732% | 1,304 |
| Efficiency ratio | 62.8003% | 5,115 |
| Assets per employee ($millions) | 4.3010% | 3,356 |
| Cash dividends to net income (ytd only)* | 37.5546% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7077% | 2,904 |
| Loan loss allowance to noncurrent loans | 110.5936% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.9158% | 4,207 |
| Noncurrent loans to loans | 1.5441% | 3,298 |
| Net loans and leases to total assets | 57.9061% | 3,994 |
| Net loans and leases to deposits | 64.7351% | 4,456 |
| Net loans and leases to core deposits | 68.8607% | 4,449 |
| Total domestic deposits to total assets | 89.4509% | 1,274 |
| Equity capital to assets | 9.7085% | 4,577 |
| Core capital (leverage) ratio | 9.6814% | 3,839 |
| Tier 1 risk-based capital ratio | 19.4887% | 1,816 |
| Total risk-based capital ratio | 20.7488% | 1,782 |
| Memoranda: | ||
| Average total assets | $645,608,400 | 1,020 |
| Average earning assets | $618,954,800 | 971 |
| Average equity | $61,138,200 | 1,167 |
| Average total loans | $378,180,200 | 1,101 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9456% | 5,669 |
| Cost of funding earning assets | 0.6301% | 4,366 |
| Net interest margin | 3.3156% | 5,333 |
| Noninterest income to average assets | 0.6557% | 2,965 |
| Noninterest expense to average assets | 2.4550% | 5,228 |
| Loan and lease loss provision to assets | 0.1295% | 3,936 |
| Net operating income to assets | 0.9105% | 2,931 |
| Return on assets (ROA) | 0.9507% | 2,970 |
| Pretax return on assets | 1.3085% | 2,570 |
| Return on Equity (ROE) | 10.1040% | 2,298 |
| Retained earnings to average equity (ytd only) | 6.3059% | 2,482 |
| Net charge-offs to loans | 0.1349% | 4,042 |
| Credit loss provision to net charge-offs | 164.0420% | 1,698 |
| Earnings coverage of net charge-offs (x) | 17.5196% | 1,622 |
| Efficiency ratio | 63.8974% | 4,820 |
| Assets per employee ($millions) | 4.2702% | 3,333 |
| Cash dividends to net income (ytd only)* | 37.5899% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7104% | 3,112 |
| Loan loss allowance to noncurrent loans | 105.3273% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.9538% | 4,372 |
| Noncurrent loans to loans | 1.6239% | 3,359 |
| Net loans and leases to total assets | 57.3602% | 4,230 |
| Net loans and leases to deposits | 63.7604% | 4,745 |
| Net loans and leases to core deposits | 67.9580% | 4,728 |
| Total domestic deposits to total assets | 89.9622% | 867 |
| Equity capital to assets | 9.5024% | 5,204 |
| Core capital (leverage) ratio | 9.5720% | 4,157 |
| Tier 1 risk-based capital ratio | 19.0908% | 1,985 |
| Total risk-based capital ratio | 20.3508% | 1,952 |
| Memoranda: | ||
| Average total assets | $643,573,000 | 1,032 |
| Average earning assets | $617,678,500 | 980 |
| Average equity | $60,555,500 | 1,185 |
| Average total loans | $376,440,750 | 1,121 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9963% | 5,649 |
| Cost of funding earning assets | 0.6586% | 4,370 |
| Net interest margin | 3.3378% | 5,316 |
| Noninterest income to average assets | 0.6580% | 2,908 |
| Noninterest expense to average assets | 2.4552% | 5,278 |
| Loan and lease loss provision to assets | 0.1565% | 3,560 |
| Net operating income to assets | 0.9100% | 2,862 |
| Return on assets (ROA) | 0.9394% | 2,975 |
| Pretax return on assets | 1.2916% | 2,588 |
| Return on Equity (ROE) | 10.0182% | 2,340 |
| Retained earnings to average equity (ytd only) | 6.1091% | 2,649 |
| Net charge-offs to loans | 0.2663% | 2,987 |
| Credit loss provision to net charge-offs | 100.4016% | 2,705 |
| Earnings coverage of net charge-offs (x) | 9.0301% | 2,210 |
| Efficiency ratio | 63.4846% | 4,988 |
| Assets per employee ($millions) | 4.1817% | 3,496 |
| Cash dividends to net income (ytd only)* | 39.0203% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6745% | 3,340 |
| Loan loss allowance to noncurrent loans | 112.5311% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.8848% | 4,602 |
| Noncurrent loans to loans | 1.4880% | 3,676 |
| Net loans and leases to total assets | 57.2731% | 4,284 |
| Net loans and leases to deposits | 63.6536% | 4,813 |
| Net loans and leases to core deposits | 68.1764% | 4,766 |
| Total domestic deposits to total assets | 89.9762% | 937 |
| Equity capital to assets | 9.4236% | 5,164 |
| Core capital (leverage) ratio | 9.3736% | 4,332 |
| Tier 1 risk-based capital ratio | 18.7416% | 2,051 |
| Total risk-based capital ratio | 20.0003% | 2,011 |
| Memoranda: | ||
| Average total assets | $638,893,670 | 1,038 |
| Average earning assets | $613,467,000 | 983 |
| Average equity | $59,911,000 | 1,190 |
| Average total loans | $373,997,330 | 1,132 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0223% | 5,694 |
| Cost of funding earning assets | 0.6893% | 4,373 |
| Net interest margin | 3.3330% | 5,357 |
| Noninterest income to average assets | 0.6761% | 2,774 |
| Noninterest expense to average assets | 2.4413% | 5,338 |
| Loan and lease loss provision to assets | 0.1577% | 3,410 |
| Net operating income to assets | 0.9346% | 2,770 |
| Return on assets (ROA) | 0.9346% | 2,974 |
| Pretax return on assets | 1.2790% | 2,616 |
| Return on Equity (ROE) | 9.9922% | 2,408 |
| Retained earnings to average equity (ytd only) | 6.2771% | 2,806 |
| Net charge-offs to loans | 0.2096% | 2,872 |
| Credit loss provision to net charge-offs | 128.2051% | 1,889 |
| Earnings coverage of net charge-offs (x) | 11.6821% | 1,657 |
| Efficiency ratio | 62.8883% | 5,122 |
| Assets per employee ($millions) | 4.2637% | 3,466 |
| Cash dividends to net income (ytd only)* | 37.1795% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7117% | 3,302 |
| Loan loss allowance to noncurrent loans | 107.5586% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.9403% | 4,626 |
| Noncurrent loans to loans | 1.5914% | 3,732 |
| Net loans and leases to total assets | 56.4835% | 4,294 |
| Net loans and leases to deposits | 62.6248% | 4,822 |
| Net loans and leases to core deposits | 67.2325% | 4,773 |
| Total domestic deposits to total assets | 90.1935% | 982 |
| Equity capital to assets | 9.2182% | 5,210 |
| Core capital (leverage) ratio | 9.4428% | 4,133 |
| Tier 1 risk-based capital ratio | 18.7624% | 2,063 |
| Total risk-based capital ratio | 20.0223% | 2,030 |
| Memoranda: | ||
| Average total assets | $634,261,500 | 1,046 |
| Average earning assets | $609,308,000 | 987 |
| Average equity | $59,326,500 | 1,196 |
| Average total loans | $372,225,000 | 1,136 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3448% | 5,617 |
| Cost of funding earning assets | 0.8254% | 4,667 |
| Net interest margin | 3.5194% | 5,076 |
| Noninterest income to average assets | 0.7154% | 2,517 |
| Noninterest expense to average assets | 2.5095% | 5,443 |
| Loan and lease loss provision to assets | 0.2645% | 3,575 |
| Net operating income to assets | 0.9503% | 2,407 |
| Return on assets (ROA) | 0.9920% | 2,373 |
| Pretax return on assets | 1.3660% | 1,894 |
| Return on Equity (ROE) | 10.6121% | 1,836 |
| Retained earnings to average equity (ytd only) | 6.8413% | 1,576 |
| Net charge-offs to loans | 0.4244% | 3,307 |
| Credit loss provision to net charge-offs | 102.4328% | 3,378 |
| Earnings coverage of net charge-offs (x) | 6.0928% | 2,598 |
| Efficiency ratio | 61.3946% | 5,551 |
| Assets per employee ($millions) | 4.0819% | 3,689 |
| Cash dividends to net income (ytd only)* | 35.5333% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6988% | 3,208 |
| Loan loss allowance to noncurrent loans | 103.1500% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 1.0626% | 4,489 |
| Noncurrent loans to loans | 1.6470% | 3,693 |
| Net loans and leases to total assets | 58.9413% | 4,206 |
| Net loans and leases to deposits | 65.5755% | 4,790 |
| Net loans and leases to core deposits | 70.6397% | 4,698 |
| Total domestic deposits to total assets | 89.8830% | 1,051 |
| Equity capital to assets | 9.4952% | 4,897 |
| Core capital (leverage) ratio | 9.4082% | 4,171 |
| Tier 1 risk-based capital ratio | 18.5231% | 2,037 |
| Total risk-based capital ratio | 19.7827% | 2,004 |
| Memoranda: | ||
| Average total assets | $604,850,200 | 1,082 |
| Average earning assets | $578,756,600 | 1,020 |
| Average equity | $56,539,200 | 1,201 |
| Average total loans | $368,062,400 | 1,151 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3720% | 5,699 |
| Cost of funding earning assets | 0.8477% | 4,788 |
| Net interest margin | 3.5243% | 5,082 |
| Noninterest income to average assets | 0.7293% | 2,423 |
| Noninterest expense to average assets | 2.5060% | 5,443 |
| Loan and lease loss provision to assets | 0.1620% | 4,446 |
| Net operating income to assets | 1.0360% | 2,192 |
| Return on assets (ROA) | 1.0359% | 2,346 |
| Pretax return on assets | 1.4324% | 1,843 |
| Return on Equity (ROE) | 11.1271% | 1,821 |
| Retained earnings to average equity (ytd only) | 7.3569% | 1,791 |
| Net charge-offs to loans | 0.3469% | 3,360 |
| Credit loss provision to net charge-offs | 76.4398% | 4,263 |
| Earnings coverage of net charge-offs (x) | 7.5257% | 2,349 |
| Efficiency ratio | 61.0432% | 5,554 |
| Assets per employee ($millions) | 4.1204% | 3,599 |
| Cash dividends to net income (ytd only)* | 33.8830% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6340% | 3,511 |
| Loan loss allowance to noncurrent loans | 91.7033% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 1.1233% | 4,533 |
| Noncurrent loans to loans | 1.7819% | 3,662 |
| Net loans and leases to total assets | 58.9943% | 4,322 |
| Net loans and leases to deposits | 65.4440% | 4,982 |
| Net loans and leases to core deposits | 70.7123% | 4,866 |
| Total domestic deposits to total assets | 90.1447% | 792 |
| Equity capital to assets | 9.5024% | 5,080 |
| Core capital (leverage) ratio | 9.4232% | 4,266 |
| Tier 1 risk-based capital ratio | 18.2597% | 2,166 |
| Total risk-based capital ratio | 19.5183% | 2,127 |
| Memoranda: | ||
| Average total assets | $600,952,000 | 1,097 |
| Average earning assets | $574,851,500 | 1,035 |
| Average equity | $55,946,000 | 1,216 |
| Average total loans | $367,073,750 | 1,166 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4104% | 5,649 |
| Cost of funding earning assets | 0.8640% | 4,956 |
| Net interest margin | 3.5465% | 4,936 |
| Noninterest income to average assets | 0.7237% | 2,413 |
| Noninterest expense to average assets | 2.5132% | 5,481 |
| Loan and lease loss provision to assets | 0.1344% | 4,619 |
| Net operating income to assets | 1.0568% | 2,017 |
| Return on assets (ROA) | 1.0560% | 2,114 |
| Pretax return on assets | 1.4693% | 1,616 |
| Return on Equity (ROE) | 11.4254% | 1,662 |
| Retained earnings to average equity (ytd only) | 7.5939% | 1,618 |
| Net charge-offs to loans | 0.2996% | 3,372 |
| Credit loss provision to net charge-offs | 72.9927% | 3,982 |
| Earnings coverage of net charge-offs (x) | 8.7153% | 2,013 |
| Efficiency ratio | 60.9579% | 5,733 |
| Assets per employee ($millions) | 3.9341% | 3,911 |
| Cash dividends to net income (ytd only)* | 33.5348% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6735% | 3,408 |
| Loan loss allowance to noncurrent loans | 152.0575% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.7069% | 5,494 |
| Noncurrent loans to loans | 1.1006% | 4,829 |
| Net loans and leases to total assets | 59.8747% | 4,294 |
| Net loans and leases to deposits | 66.3792% | 4,945 |
| Net loans and leases to core deposits | 72.1352% | 4,801 |
| Total domestic deposits to total assets | 90.2011% | 866 |
| Equity capital to assets | 9.4454% | 4,900 |
| Core capital (leverage) ratio | 9.4060% | 4,103 |
| Tier 1 risk-based capital ratio | 18.1764% | 2,109 |
| Total risk-based capital ratio | 19.4349% | 2,066 |
| Memoranda: | ||
| Average total assets | $595,247,670 | 1,116 |
| Average earning assets | $569,696,330 | 1,057 |
| Average equity | $55,017,670 | 1,222 |
| Average total loans | $365,871,670 | 1,188 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4472% | 5,522 |
| Cost of funding earning assets | 0.8732% | 5,107 |
| Net interest margin | 3.5740% | 4,695 |
| Noninterest income to average assets | 0.7075% | 2,532 |
| Noninterest expense to average assets | 2.4943% | 5,571 |
| Loan and lease loss provision to assets | 0.1014% | 4,742 |
| Net operating income to assets | 1.0968% | 1,852 |
| Return on assets (ROA) | 1.0968% | 1,898 |
| Pretax return on assets | 1.5360% | 1,343 |
| Return on Equity (ROE) | 12.0000% | 1,461 |
| Retained earnings to average equity (ytd only) | 8.1109% | 1,692 |
| Net charge-offs to loans | 0.3162% | 2,784 |
| Credit loss provision to net charge-offs | 51.9031% | 3,715 |
| Earnings coverage of net charge-offs (x) | 8.3841% | 1,828 |
| Efficiency ratio | 60.3042% | 5,944 |
| Assets per employee ($millions) | 4.0265% | 3,784 |
| Cash dividends to net income (ytd only)* | 32.4091% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6801% | 3,410 |
| Loan loss allowance to noncurrent loans | 171.3051% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.6388% | 5,678 |
| Noncurrent loans to loans | 0.9807% | 5,084 |
| Net loans and leases to total assets | 60.3259% | 4,203 |
| Net loans and leases to deposits | 66.7287% | 4,874 |
| Net loans and leases to core deposits | 72.6261% | 4,706 |
| Total domestic deposits to total assets | 90.4047% | 892 |
| Equity capital to assets | 9.1651% | 4,926 |
| Core capital (leverage) ratio | 9.3419% | 4,064 |
| Tier 1 risk-based capital ratio | 17.8091% | 2,180 |
| Total risk-based capital ratio | 19.0685% | 2,141 |
| Memoranda: | ||
| Average total assets | $591,915,500 | 1,130 |
| Average earning assets | $567,095,000 | 1,075 |
| Average equity | $54,100,000 | 1,236 |
| Average total loans | $365,544,000 | 1,202 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6091% | 6,083 |
| Cost of funding earning assets | 1.0810% | 5,251 |
| Net interest margin | 3.5281% | 5,118 |
| Noninterest income to average assets | 0.6914% | 2,890 |
| Noninterest expense to average assets | 2.6003% | 5,410 |
| Loan and lease loss provision to assets | 0.1037% | 6,106 |
| Net operating income to assets | 0.9813% | 2,100 |
| Return on assets (ROA) | 0.9814% | 2,216 |
| Pretax return on assets | 1.3503% | 1,797 |
| Return on Equity (ROE) | 10.8280% | 1,634 |
| Retained earnings to average equity (ytd only) | 6.3870% | 1,626 |
| Net charge-offs to loans | 0.1419% | 5,504 |
| Credit loss provision to net charge-offs | 114.9425% | 3,771 |
| Earnings coverage of net charge-offs (x) | 16.1207% | 1,234 |
| Efficiency ratio | 64.0687% | 5,342 |
| Assets per employee ($millions) | 3.8934% | 4,023 |
| Cash dividends to net income (ytd only)* | 41.0139% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7190% | 3,139 |
| Loan loss allowance to noncurrent loans | 178.7706% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.6311% | 5,738 |
| Noncurrent loans to loans | 0.9616% | 5,128 |
| Net loans and leases to total assets | 61.0924% | 4,470 |
| Net loans and leases to deposits | 67.5398% | 5,161 |
| Net loans and leases to core deposits | 73.8365% | 4,995 |
| Total domestic deposits to total assets | 90.4539% | 860 |
| Equity capital to assets | 9.1142% | 4,974 |
| Core capital (leverage) ratio | 8.9987% | 4,559 |
| Tier 1 risk-based capital ratio | 17.4519% | 2,193 |
| Total risk-based capital ratio | 18.7118% | 2,157 |
| Memoranda: | ||
| Average total assets | $578,845,400 | 1,161 |
| Average earning assets | $551,714,000 | 1,098 |
| Average equity | $52,465,800 | 1,273 |
| Average total loans | $367,881,200 | 1,230 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6419% | 6,223 |
| Cost of funding earning assets | 1.1182% | 5,326 |
| Net interest margin | 3.5237% | 5,208 |
| Noninterest income to average assets | 0.6722% | 3,000 |
| Noninterest expense to average assets | 2.5848% | 5,381 |
| Loan and lease loss provision to assets | 0.1103% | 5,931 |
| Net operating income to assets | 0.9727% | 2,328 |
| Return on assets (ROA) | 0.9728% | 2,445 |
| Pretax return on assets | 1.3301% | 2,090 |
| Return on Equity (ROE) | 10.7484% | 1,864 |
| Retained earnings to average equity (ytd only) | 7.0106% | 1,840 |
| Net charge-offs to loans | 0.1650% | 4,996 |
| Credit loss provision to net charge-offs | 104.6053% | 4,098 |
| Earnings coverage of net charge-offs (x) | 13.6580% | 1,570 |
| Efficiency ratio | 64.1445% | 5,216 |
| Assets per employee ($millions) | 4.0222% | 3,792 |
| Cash dividends to net income (ytd only)* | 34.7754% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6887% | 3,185 |
| Loan loss allowance to noncurrent loans | 122.8538% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.8570% | 5,383 |
| Noncurrent loans to loans | 1.3746% | 4,561 |
| Net loans and leases to total assets | 61.2915% | 4,667 |
| Net loans and leases to deposits | 67.8667% | 5,438 |
| Net loans and leases to core deposits | 74.0486% | 5,282 |
| Total domestic deposits to total assets | 90.3117% | 718 |
| Equity capital to assets | 9.2640% | 5,201 |
| Core capital (leverage) ratio | 9.0215% | 4,660 |
| Tier 1 risk-based capital ratio | 16.9261% | 2,366 |
| Total risk-based capital ratio | 18.1854% | 2,323 |
| Memoranda: | ||
| Average total assets | $576,580,250 | 1,180 |
| Average earning assets | $548,616,750 | 1,112 |
| Average equity | $52,186,500 | 1,282 |
| Average total loans | $368,489,500 | 1,238 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6765% | 6,227 |
| Cost of funding earning assets | 1.1606% | 5,341 |
| Net interest margin | 3.5159% | 5,184 |
| Noninterest income to average assets | 0.6647% | 2,931 |
| Noninterest expense to average assets | 2.6126% | 5,270 |
| Loan and lease loss provision to assets | 0.1130% | 5,775 |
| Net operating income to assets | 0.9440% | 2,388 |
| Return on assets (ROA) | 0.9442% | 2,479 |
| Pretax return on assets | 1.2874% | 2,130 |
| Return on Equity (ROE) | 10.5175% | 1,924 |
| Retained earnings to average equity (ytd only) | 6.7181% | 1,962 |
| Net charge-offs to loans | 0.0852% | 5,290 |
| Credit loss provision to net charge-offs | 205.7325% | 1,893 |
| Earnings coverage of net charge-offs (x) | 25.4904% | 1,036 |
| Efficiency ratio | 65.0305% | 5,142 |
| Assets per employee ($millions) | 3.8810% | 4,031 |
| Cash dividends to net income (ytd only)* | 36.1245% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7298% | 2,966 |
| Loan loss allowance to noncurrent loans | 126.9936% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.8616% | 5,395 |
| Noncurrent loans to loans | 1.3621% | 4,669 |
| Net loans and leases to total assets | 62.1625% | 4,651 |
| Net loans and leases to deposits | 68.6621% | 5,464 |
| Net loans and leases to core deposits | 75.3074% | 5,278 |
| Total domestic deposits to total assets | 90.5339% | 673 |
| Equity capital to assets | 9.0898% | 5,309 |
| Core capital (leverage) ratio | 8.9226% | 4,720 |
| Tier 1 risk-based capital ratio | 16.6138% | 2,435 |
| Total risk-based capital ratio | 17.8738% | 2,383 |
| Memoranda: | ||
| Average total assets | $571,687,670 | 1,193 |
| Average earning assets | $544,379,000 | 1,129 |
| Average equity | $51,324,000 | 1,299 |
| Average total loans | $368,447,330 | 1,248 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6771% | 6,323 |
| Cost of funding earning assets | 1.1815% | 5,501 |
| Net interest margin | 3.4956% | 5,177 |
| Noninterest income to average assets | 0.6610% | 2,876 |
| Noninterest expense to average assets | 2.5845% | 5,419 |
| Loan and lease loss provision to assets | 0.1328% | 5,241 |
| Net operating income to assets | 0.9323% | 2,421 |
| Return on assets (ROA) | 0.9328% | 2,487 |
| Pretax return on assets | 1.2725% | 2,130 |
| Return on Equity (ROE) | 10.4576% | 1,963 |
| Retained earnings to average equity (ytd only) | 6.6023% | 2,319 |
| Net charge-offs to loans | 0.1769% | 3,860 |
| Credit loss provision to net charge-offs | 115.3374% | 3,021 |
| Earnings coverage of net charge-offs (x) | 12.2025% | 1,585 |
| Efficiency ratio | 64.7194% | 5,350 |
| Assets per employee ($millions) | 3.9736% | 3,939 |
| Cash dividends to net income (ytd only)* | 36.8660% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6877% | 3,109 |
| Loan loss allowance to noncurrent loans | 151.3730% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.7093% | 5,748 |
| Noncurrent loans to loans | 1.1149% | 5,130 |
| Net loans and leases to total assets | 62.5465% | 4,648 |
| Net loans and leases to deposits | 68.8749% | 5,486 |
| Net loans and leases to core deposits | 75.6435% | 5,305 |
| Total domestic deposits to total assets | 90.8118% | 612 |
| Equity capital to assets | 8.7831% | 5,580 |
| Core capital (leverage) ratio | 9.0653% | 4,446 |
| Tier 1 risk-based capital ratio | 16.3729% | 2,494 |
| Total risk-based capital ratio | 17.6325% | 2,447 |
| Memoranda: | ||
| Average total assets | $566,456,500 | 1,231 |
| Average earning assets | $539,311,000 | 1,170 |
| Average equity | $50,528,000 | 1,321 |
| Average total loans | $368,546,500 | 1,285 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0611% | 6,226 |
| Cost of funding earning assets | 1.4299% | 5,805 |
| Net interest margin | 3.6312% | 4,427 |
| Noninterest income to average assets | 0.6718% | 3,144 |
| Noninterest expense to average assets | 2.6090% | 5,767 |
| Loan and lease loss provision to assets | 0.3158% | 4,922 |
| Net operating income to assets | 0.8856% | 2,226 |
| Return on assets (ROA) | 0.9031% | 2,235 |
| Pretax return on assets | 1.2257% | 1,888 |
| Return on Equity (ROE) | 10.0764% | 1,664 |
| Retained earnings to average equity (ytd only) | 6.0827% | 1,322 |
| Net charge-offs to loans | 0.5286% | 3,671 |
| Credit loss provision to net charge-offs | 88.0829% | 6,063 |
| Earnings coverage of net charge-offs (x) | 4.2342% | 3,015 |
| Efficiency ratio | 63.1425% | 5,943 |
| Assets per employee ($millions) | 3.7861% | 4,307 |
| Cash dividends to net income (ytd only)* | 39.6339% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6859% | 2,941 |
| Loan loss allowance to noncurrent loans | 143.2133% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.7837% | 5,538 |
| Noncurrent loans to loans | 1.1772% | 4,973 |
| Net loans and leases to total assets | 65.4524% | 4,287 |
| Net loans and leases to deposits | 72.4785% | 5,263 |
| Net loans and leases to core deposits | 88.5265% | 5,272 |
| Total domestic deposits to total assets | 90.3059% | 832 |
| Equity capital to assets | 9.0637% | 5,042 |
| Core capital (leverage) ratio | 8.8723% | 4,638 |
| Tier 1 risk-based capital ratio | 16.3390% | 2,382 |
| Total risk-based capital ratio | 17.5987% | 2,321 |
| Memoranda: | ||
| Average total assets | $538,377,000 | 1,282 |
| Average earning assets | $512,261,000 | 1,229 |
| Average equity | $48,251,400 | 1,395 |
| Average total loans | $365,092,600 | 1,316 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1018% | 6,259 |
| Cost of funding earning assets | 1.4635% | 5,984 |
| Net interest margin | 3.6382% | 4,332 |
| Noninterest income to average assets | 0.6766% | 3,177 |
| Noninterest expense to average assets | 2.6216% | 5,634 |
| Loan and lease loss provision to assets | 0.1309% | 6,046 |
| Net operating income to assets | 1.0068% | 2,029 |
| Return on assets (ROA) | 1.0299% | 2,028 |
| Pretax return on assets | 1.4174% | 1,648 |
| Return on Equity (ROE) | 11.5254% | 1,482 |
| Retained earnings to average equity (ytd only) | 7.6166% | 1,257 |
| Net charge-offs to loans | 0.2843% | 4,254 |
| Credit loss provision to net charge-offs | 67.5676% | 6,030 |
| Earnings coverage of net charge-offs (x) | 7.8289% | 2,342 |
| Efficiency ratio | 63.2727% | 5,880 |
| Assets per employee ($millions) | 3.9139% | 3,904 |
| Cash dividends to net income (ytd only)* | 33.9143% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6773% | 2,708 |
| Loan loss allowance to noncurrent loans | 105.1361% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 1.1340% | 4,808 |
| Noncurrent loans to loans | 1.5954% | 4,240 |
| Net loans and leases to total assets | 64.2985% | 4,797 |
| Net loans and leases to deposits | 71.7541% | 5,688 |
| Net loans and leases to core deposits | 87.0495% | 5,751 |
| Total domestic deposits to total assets | 89.6095% | 921 |
| Equity capital to assets | 8.8678% | 5,680 |
| Core capital (leverage) ratio | 9.0069% | 4,640 |
| Tier 1 risk-based capital ratio | 16.4017% | 2,471 |
| Total risk-based capital ratio | 17.6618% | 2,407 |
| Memoranda: | ||
| Average total assets | $534,779,500 | 1,301 |
| Average earning assets | $508,805,000 | 1,249 |
| Average equity | $47,789,000 | 1,432 |
| Average total loans | $364,365,000 | 1,346 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2072% | 6,053 |
| Cost of funding earning assets | 1.5158% | 6,074 |
| Net interest margin | 3.6914% | 3,987 |
| Noninterest income to average assets | 0.6505% | 3,341 |
| Noninterest expense to average assets | 2.6753% | 5,470 |
| Loan and lease loss provision to assets | 0.0952% | 6,215 |
| Net operating income to assets | 1.0052% | 2,089 |
| Return on assets (ROA) | 1.0336% | 2,073 |
| Pretax return on assets | 1.4254% | 1,654 |
| Return on Equity (ROE) | 11.5345% | 1,549 |
| Retained earnings to average equity (ytd only) | 7.5650% | 1,370 |
| Net charge-offs to loans | 0.2419% | 3,982 |
| Credit loss provision to net charge-offs | 56.9476% | 5,643 |
| Earnings coverage of net charge-offs (x) | 8.8633% | 2,211 |
| Efficiency ratio | 64.2726% | 5,858 |
| Assets per employee ($millions) | 3.8154% | 4,061 |
| Cash dividends to net income (ytd only)* | 34.4141% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7121% | 2,295 |
| Loan loss allowance to noncurrent loans | 94.3069% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 1.3417% | 4,269 |
| Noncurrent loans to loans | 1.8155% | 3,787 |
| Net loans and leases to total assets | 66.6412% | 4,430 |
| Net loans and leases to deposits | 74.4778% | 5,381 |
| Net loans and leases to core deposits | 92.5613% | 5,286 |
| Total domestic deposits to total assets | 89.4779% | 1,051 |
| Equity capital to assets | 8.9361% | 5,404 |
| Core capital (leverage) ratio | 9.1561% | 4,370 |
| Tier 1 risk-based capital ratio | 16.2382% | 2,538 |
| Total risk-based capital ratio | 17.4989% | 2,477 |
| Memoranda: | ||
| Average total assets | $525,172,330 | 1,341 |
| Average earning assets | $498,886,330 | 1,294 |
| Average equity | $47,059,000 | 1,468 |
| Average total loans | $362,963,670 | 1,378 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2578% | 6,078 |
| Cost of funding earning assets | 1.5447% | 6,261 |
| Net interest margin | 3.7131% | 3,833 |
| Noninterest income to average assets | 0.6307% | 3,347 |
| Noninterest expense to average assets | 2.5445% | 5,670 |
| Loan and lease loss provision to assets | 0.0964% | 5,729 |
| Net operating income to assets | 1.0929% | 1,980 |
| Return on assets (ROA) | 1.0957% | 2,102 |
| Pretax return on assets | 1.5190% | 1,615 |
| Return on Equity (ROE) | 12.2101% | 1,596 |
| Retained earnings to average equity (ytd only) | 8.1974% | 1,740 |
| Net charge-offs to loans | 0.1944% | 3,473 |
| Credit loss provision to net charge-offs | 71.0227% | 4,337 |
| Earnings coverage of net charge-offs (x) | 11.8750% | 1,841 |
| Efficiency ratio | 61.1503% | 6,229 |
| Assets per employee ($millions) | 3.7543% | 4,218 |
| Cash dividends to net income (ytd only)* | 32.8642% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7612% | 1,957 |
| Loan loss allowance to noncurrent loans | 89.3477% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 1.3685% | 3,919 |
| Noncurrent loans to loans | 1.9712% | 3,303 |
| Net loans and leases to total assets | 67.7387% | 4,200 |
| Net loans and leases to deposits | 75.7176% | 5,255 |
| Net loans and leases to core deposits | 93.3011% | 5,230 |
| Total domestic deposits to total assets | 89.4622% | 1,024 |
| Equity capital to assets | 9.0098% | 5,339 |
| Core capital (leverage) ratio | 9.3074% | 4,234 |
| Tier 1 risk-based capital ratio | 15.8525% | 2,740 |
| Total risk-based capital ratio | 17.1137% | 2,680 |
| Memoranda: | ||
| Average total assets | $518,771,000 | 1,369 |
| Average earning assets | $492,523,000 | 1,320 |
| Average equity | $46,551,500 | 1,486 |
| Average total loans | $362,066,500 | 1,393 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7062% | 6,756 |
| Cost of funding earning assets | 2.1013% | 6,046 |
| Net interest margin | 3.6049% | 4,865 |
| Noninterest income to average assets | 0.7569% | 2,747 |
| Noninterest expense to average assets | 2.5154% | 5,945 |
| Loan and lease loss provision to assets | 0.1567% | 5,363 |
| Net operating income to assets | 1.0419% | 2,393 |
| Return on assets (ROA) | 1.0470% | 2,261 |
| Pretax return on assets | 1.4889% | 1,715 |
| Return on Equity (ROE) | 11.9310% | 1,615 |
| Retained earnings to average equity (ytd only) | 3.2456% | 3,132 |
| Net charge-offs to loans | 0.4004% | 2,815 |
| Credit loss provision to net charge-offs | 55.9832% | 6,278 |
| Earnings coverage of net charge-offs (x) | 5.8530% | 3,510 |
| Efficiency ratio | 60.5565% | 6,251 |
| Assets per employee ($millions) | 3.6308% | 4,336 |
| Cash dividends to net income (ytd only)* | 72.7970% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7788% | 1,679 |
| Loan loss allowance to noncurrent loans | 113.9972% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 1.1025% | 4,076 |
| Noncurrent loans to loans | 1.5604% | 3,451 |
| Net loans and leases to total assets | 69.3988% | 4,168 |
| Net loans and leases to deposits | 77.7082% | 5,378 |
| Net loans and leases to core deposits | 96.3032% | 5,225 |
| Total domestic deposits to total assets | 89.3069% | 920 |
| Equity capital to assets | 8.9361% | 5,455 |
| Core capital (leverage) ratio | 8.9511% | 4,808 |
| Tier 1 risk-based capital ratio | 15.5538% | 2,825 |
| Total risk-based capital ratio | 16.8149% | 2,756 |
| Memoranda: | ||
| Average total assets | $510,500,000 | 1,326 |
| Average earning assets | $481,037,800 | 1,280 |
| Average equity | $44,799,400 | 1,507 |
| Average total loans | $356,911,200 | 1,361 |