Home > Sooner State Bank > Performance and Condition Ratios
Sooner State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2694% | 1,541 |
| Cost of funding earning assets | 1.2180% | 2,756 |
| Net interest margin | 4.0514% | 1,130 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.6421% | 1,888 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.4898% | 1,035 |
| Return on assets (ROA) | 1.4962% | 998 |
| Pretax return on assets | 1.4962% | 1,430 |
| Return on Equity (ROE) | 16.8600% | 971 |
| Retained earnings to average equity (ytd only) | 10.1042% | 994 |
| Net charge-offs to loans | 0.1074% | 862 |
| Credit loss provision to net charge-offs | 136.5482% | 1,550 |
| Earnings coverage of net charge-offs (x) | 24.9645% | 1,740 |
| Efficiency ratio | 60.7612% | 2,995 |
| Assets per employee ($millions) | 4.8391% | 3,747 |
| Cash dividends to net income (ytd only)* | 40.0728% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0477% | 3,079 |
| Loan loss allowance to noncurrent loans | 8,243.4783% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 3,285 |
| Noncurrent loans to loans | 0.0127% | 3,662 |
| Net loans and leases to total assets | 58.7400% | 2,974 |
| Net loans and leases to deposits | 65.5942% | 3,197 |
| Net loans and leases to core deposits | 68.3551% | 3,384 |
| Total domestic deposits to total assets | 89.5400% | 897 |
| Equity capital to assets | 9.9956% | 2,013 |
| Core capital (leverage) ratio | 11.7017% | 1,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $312,065,600 | 2,358 |
| Average earning assets | $292,690,600 | 2,347 |
| Average equity | $27,691,400 | 2,382 |
| Average total loans | $183,383,600 | 2,415 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1394% | 1,559 |
| Cost of funding earning assets | 1.1311% | 2,656 |
| Net interest margin | 4.0083% | 1,203 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.6516% | 1,796 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.4677% | 1,194 |
| Return on assets (ROA) | 1.4762% | 1,155 |
| Pretax return on assets | 1.4762% | 1,615 |
| Return on Equity (ROE) | 17.1600% | 1,052 |
| Retained earnings to average equity (ytd only) | 11.0532% | 1,150 |
| Net charge-offs to loans | 0.0058% | 2,242 |
| Credit loss provision to net charge-offs | 1,725.0000% | 275 |
| Earnings coverage of net charge-offs (x) | 449.1250% | 332 |
| Efficiency ratio | 61.2506% | 2,812 |
| Assets per employee ($millions) | 5.0762% | 3,551 |
| Cash dividends to net income (ytd only)* | 35.5971% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0560% | 3,092 |
| Loan loss allowance to noncurrent loans | 372.0000% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.1642% | 2,485 |
| Noncurrent loans to loans | 0.2839% | 2,220 |
| Net loans and leases to total assets | 57.2200% | 3,100 |
| Net loans and leases to deposits | 62.8096% | 3,348 |
| Net loans and leases to core deposits | 65.3224% | 3,465 |
| Total domestic deposits to total assets | 91.1000% | 647 |
| Equity capital to assets | 8.3152% | 2,845 |
| Core capital (leverage) ratio | 11.2452% | 1,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $313,866,000 | 2,355 |
| Average earning assets | $294,449,750 | 2,336 |
| Average equity | $26,996,000 | 2,400 |
| Average total loans | $183,989,250 | 2,408 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0241% | 1,525 |
| Cost of funding earning assets | 1.0178% | 2,540 |
| Net interest margin | 4.0063% | 1,229 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.6510% | 1,787 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.4621% | 1,184 |
| Return on assets (ROA) | 1.4621% | 1,171 |
| Pretax return on assets | 1.4621% | 1,668 |
| Return on Equity (ROE) | 16.8100% | 1,134 |
| Retained earnings to average equity (ytd only) | 11.0355% | 1,180 |
| Net charge-offs to loans | 0.0054% | 2,057 |
| Credit loss provision to net charge-offs | 1,860.0000% | 281 |
| Earnings coverage of net charge-offs (x) | 474.6000% | 314 |
| Efficiency ratio | 61.2878% | 2,811 |
| Assets per employee ($millions) | 4.9389% | 3,644 |
| Cash dividends to net income (ytd only)* | 34.3421% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0440% | 3,232 |
| Loan loss allowance to noncurrent loans | 364.0000% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.1687% | 2,375 |
| Noncurrent loans to loans | 0.2868% | 2,116 |
| Net loans and leases to total assets | 58.2100% | 2,945 |
| Net loans and leases to deposits | 64.1594% | 3,181 |
| Net loans and leases to core deposits | 66.3034% | 3,336 |
| Total domestic deposits to total assets | 90.7300% | 720 |
| Equity capital to assets | 8.7192% | 2,706 |
| Core capital (leverage) ratio | 11.1161% | 1,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $311,888,000 | 2,368 |
| Average earning assets | $292,590,000 | 2,359 |
| Average equity | $27,130,667 | 2,406 |
| Average total loans | $183,672,333 | 2,404 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9080% | 1,396 |
| Cost of funding earning assets | 0.8178% | 2,668 |
| Net interest margin | 4.0902% | 1,114 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.6376% | 1,850 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.5577% | 1,063 |
| Return on assets (ROA) | 1.5577% | 1,056 |
| Pretax return on assets | 1.5577% | 1,562 |
| Return on Equity (ROE) | 17.9300% | 1,040 |
| Retained earnings to average equity (ytd only) | 17.9278% | 517 |
| Net charge-offs to loans | 0.0065% | 1,707 |
| Credit loss provision to net charge-offs | 1,600.0000% | 247 |
| Earnings coverage of net charge-offs (x) | 421.3333% | 267 |
| Efficiency ratio | 59.7954% | 2,981 |
| Assets per employee ($millions) | 4.7778% | 3,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 3,513 |
| Loan loss allowance to noncurrent loans | 354.4592% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 2,319 |
| Noncurrent loans to loans | 0.2824% | 2,132 |
| Net loans and leases to total assets | 59.4800% | 2,716 |
| Net loans and leases to deposits | 65.6939% | 2,959 |
| Net loans and leases to core deposits | 67.5285% | 3,133 |
| Total domestic deposits to total assets | 90.5400% | 966 |
| Equity capital to assets | 8.9688% | 2,551 |
| Core capital (leverage) ratio | 10.8298% | 1,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $312,256,000 | 2,401 |
| Average earning assets | $293,479,500 | 2,382 |
| Average equity | $27,131,000 | 2,428 |
| Average total loans | $183,988,500 | 2,420 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0745% | 1,532 |
| Cost of funding earning assets | 0.3088% | 2,802 |
| Net interest margin | 3.7657% | 1,232 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.4861% | 2,164 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.4314% | 1,043 |
| Return on assets (ROA) | 1.4314% | 1,010 |
| Pretax return on assets | 1.4314% | 1,684 |
| Return on Equity (ROE) | 17.2200% | 828 |
| Retained earnings to average equity (ytd only) | 10.9432% | 899 |
| Net charge-offs to loans | 0.0143% | 1,848 |
| Credit loss provision to net charge-offs | 572.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 193.3200% | 657 |
| Efficiency ratio | 60.5285% | 2,979 |
| Assets per employee ($millions) | 4.8301% | 3,795 |
| Cash dividends to net income (ytd only)* | 36.4606% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 3,349 |
| Loan loss allowance to noncurrent loans | 343.3145% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1691% | 2,360 |
| Noncurrent loans to loans | 0.2927% | 2,094 |
| Net loans and leases to total assets | 57.2000% | 2,897 |
| Net loans and leases to deposits | 62.7461% | 3,132 |
| Net loans and leases to core deposits | 63.9339% | 3,267 |
| Total domestic deposits to total assets | 91.1500% | 897 |
| Equity capital to assets | 8.4117% | 2,765 |
| Core capital (leverage) ratio | 10.0508% | 2,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $327,662,000 | 2,307 |
| Average earning assets | $308,332,000 | 2,287 |
| Average equity | $27,231,400 | 2,467 |
| Average total loans | $174,938,200 | 2,410 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8989% | 1,485 |
| Cost of funding earning assets | 0.2568% | 2,639 |
| Net interest margin | 3.6422% | 1,290 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.4657% | 2,109 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.3523% | 1,209 |
| Return on assets (ROA) | 1.3523% | 1,185 |
| Pretax return on assets | 1.3523% | 1,876 |
| Return on Equity (ROE) | 16.3200% | 918 |
| Retained earnings to average equity (ytd only) | 10.9679% | 1,063 |
| Net charge-offs to loans | -0.0154% | 3,882 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.7613% | 2,857 |
| Assets per employee ($millions) | 5.0756% | 3,617 |
| Cash dividends to net income (ytd only)* | 32.7874% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 3,507 |
| Loan loss allowance to noncurrent loans | 5,013.8889% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 3,869 |
| Noncurrent loans to loans | 0.0198% | 3,775 |
| Net loans and leases to total assets | 54.4400% | 3,055 |
| Net loans and leases to deposits | 59.2193% | 3,265 |
| Net loans and leases to core deposits | 60.5410% | 3,342 |
| Total domestic deposits to total assets | 91.9300% | 902 |
| Equity capital to assets | 7.5514% | 3,191 |
| Core capital (leverage) ratio | 9.5372% | 3,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $331,088,500 | 2,312 |
| Average earning assets | $311,563,500 | 2,294 |
| Average equity | $27,437,000 | 2,492 |
| Average total loans | $173,324,500 | 2,431 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7086% | 1,515 |
| Cost of funding earning assets | 0.2172% | 2,676 |
| Net interest margin | 3.4914% | 1,337 |
| Noninterest income to average assets | 0.4181% | 2,642 |
| Noninterest expense to average assets | 2.4563% | 2,065 |
| Loan and lease loss provision to assets | 0.0211% | 2,223 |
| Net operating income to assets | 1.2278% | 1,338 |
| Return on assets (ROA) | 1.2278% | 1,322 |
| Pretax return on assets | 1.2278% | 1,972 |
| Return on Equity (ROE) | 14.3926% | 1,018 |
| Retained earnings to average equity (ytd only) | 10.0006% | 1,022 |
| Net charge-offs to loans | 0.0094% | 1,634 |
| Credit loss provision to net charge-offs | 437.5000% | 668 |
| Earnings coverage of net charge-offs (x) | 258.7500% | 453 |
| Efficiency ratio | 61.5046% | 3,110 |
| Assets per employee ($millions) | 5.1868% | 3,519 |
| Cash dividends to net income (ytd only)* | 30.5160% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9645% | 3,749 |
| Loan loss allowance to noncurrent loans | 1,237.1429% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 3,573 |
| Noncurrent loans to loans | 0.0780% | 3,395 |
| Net loans and leases to total assets | 52.7486% | 3,087 |
| Net loans and leases to deposits | 57.4996% | 3,268 |
| Net loans and leases to core deposits | 58.8136% | 3,360 |
| Total domestic deposits to total assets | 91.7372% | 953 |
| Equity capital to assets | 7.7728% | 3,291 |
| Core capital (leverage) ratio | 9.1241% | 3,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $331,480,667 | 2,318 |
| Average earning assets | $312,085,000 | 2,315 |
| Average equity | $28,278,333 | 2,508 |
| Average total loans | $170,632,333 | 2,458 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4912% | 1,840 |
| Cost of funding earning assets | 0.2205% | 2,520 |
| Net interest margin | 3.2707% | 1,648 |
| Noninterest income to average assets | 0.4029% | 2,671 |
| Noninterest expense to average assets | 2.4914% | 1,904 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9992% | 1,886 |
| Return on assets (ROA) | 0.9992% | 1,883 |
| Pretax return on assets | 0.9992% | 2,445 |
| Return on Equity (ROE) | 11.2025% | 1,546 |
| Retained earnings to average equity (ytd only) | 11.2025% | 744 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8633% | 2,387 |
| Assets per employee ($millions) | 5.1639% | 3,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 3,723 |
| Loan loss allowance to noncurrent loans | 1,079.1139% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 3,567 |
| Noncurrent loans to loans | 0.0928% | 3,378 |
| Net loans and leases to total assets | 50.2081% | 3,152 |
| Net loans and leases to deposits | 55.1213% | 3,332 |
| Net loans and leases to core deposits | 56.8191% | 3,391 |
| Total domestic deposits to total assets | 91.0866% | 992 |
| Equity capital to assets | 8.5001% | 3,164 |
| Core capital (leverage) ratio | 9.0772% | 3,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $328,651,500 | 2,348 |
| Average earning assets | $310,269,000 | 2,334 |
| Average equity | $29,315,000 | 2,524 |
| Average total loans | $166,164,500 | 2,497 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5928% | 2,410 |
| Cost of funding earning assets | 0.2699% | 2,705 |
| Net interest margin | 3.3229% | 2,251 |
| Noninterest income to average assets | 0.4601% | 2,767 |
| Noninterest expense to average assets | 2.5503% | 2,022 |
| Loan and lease loss provision to assets | 0.0396% | 2,250 |
| Net operating income to assets | 0.9970% | 2,681 |
| Return on assets (ROA) | 0.9970% | 2,749 |
| Pretax return on assets | 0.9970% | 3,265 |
| Return on Equity (ROE) | 10.6138% | 2,305 |
| Retained earnings to average equity (ytd only) | 5.4675% | 2,582 |
| Net charge-offs to loans | 0.0659% | 1,135 |
| Credit loss provision to net charge-offs | 121.1538% | 1,639 |
| Earnings coverage of net charge-offs (x) | 31.7115% | 1,571 |
| Efficiency ratio | 68.5594% | 1,912 |
| Assets per employee ($millions) | 4.7301% | 3,943 |
| Cash dividends to net income (ytd only)* | 48.4868% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 3,565 |
| Loan loss allowance to noncurrent loans | 1,184.0278% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 3,682 |
| Noncurrent loans to loans | 0.0888% | 3,489 |
| Net loans and leases to total assets | 49.8660% | 3,294 |
| Net loans and leases to deposits | 55.2584% | 3,489 |
| Net loans and leases to core deposits | 57.2625% | 3,530 |
| Total domestic deposits to total assets | 90.2416% | 847 |
| Equity capital to assets | 9.3577% | 3,263 |
| Core capital (leverage) ratio | 9.0734% | 3,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $318,157,200 | 2,346 |
| Average earning assets | $299,376,600 | 2,336 |
| Average equity | $29,885,600 | 2,542 |
| Average total loans | $157,875,400 | 2,566 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5958% | 2,572 |
| Cost of funding earning assets | 0.2794% | 2,806 |
| Net interest margin | 3.3164% | 2,368 |
| Noninterest income to average assets | 0.4597% | 2,799 |
| Noninterest expense to average assets | 2.5377% | 2,014 |
| Loan and lease loss provision to assets | 0.0520% | 1,951 |
| Net operating income to assets | 0.9871% | 2,959 |
| Return on assets (ROA) | 0.9871% | 3,037 |
| Pretax return on assets | 0.9871% | 3,500 |
| Return on Equity (ROE) | 10.4984% | 2,556 |
| Retained earnings to average equity (ytd only) | 5.8682% | 2,885 |
| Net charge-offs to loans | 0.0842% | 841 |
| Credit loss provision to net charge-offs | 125.2525% | 1,439 |
| Earnings coverage of net charge-offs (x) | 24.9798% | 1,630 |
| Efficiency ratio | 68.3858% | 1,779 |
| Assets per employee ($millions) | 4.5641% | 4,079 |
| Cash dividends to net income (ytd only)* | 44.1039% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 3,497 |
| Loan loss allowance to noncurrent loans | 1,161.9048% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.0460% | 3,845 |
| Noncurrent loans to loans | 0.0936% | 3,609 |
| Net loans and leases to total assets | 48.6237% | 3,562 |
| Net loans and leases to deposits | 54.0159% | 3,736 |
| Net loans and leases to core deposits | 56.1059% | 3,765 |
| Total domestic deposits to total assets | 90.0174% | 767 |
| Equity capital to assets | 9.4912% | 3,377 |
| Core capital (leverage) ratio | 8.8323% | 3,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $317,284,000 | 2,380 |
| Average earning assets | $298,230,250 | 2,368 |
| Average equity | $29,832,250 | 2,582 |
| Average total loans | $156,819,500 | 2,611 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5939% | 2,641 |
| Cost of funding earning assets | 0.2900% | 2,876 |
| Net interest margin | 3.3039% | 2,422 |
| Noninterest income to average assets | 0.4498% | 2,843 |
| Noninterest expense to average assets | 2.5443% | 2,016 |
| Loan and lease loss provision to assets | 0.0758% | 1,570 |
| Net operating income to assets | 0.9326% | 3,123 |
| Return on assets (ROA) | 0.9326% | 3,202 |
| Pretax return on assets | 0.9326% | 3,593 |
| Return on Equity (ROE) | 9.9499% | 2,759 |
| Retained earnings to average equity (ytd only) | 5.9322% | 2,829 |
| Net charge-offs to loans | 0.0498% | 1,126 |
| Credit loss provision to net charge-offs | 307.6923% | 872 |
| Earnings coverage of net charge-offs (x) | 40.9231% | 1,152 |
| Efficiency ratio | 69.0201% | 1,758 |
| Assets per employee ($millions) | 4.5684% | 4,052 |
| Cash dividends to net income (ytd only)* | 40.3794% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1292% | 3,295 |
| Loan loss allowance to noncurrent loans | 1,183.8926% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 3,448 |
| Noncurrent loans to loans | 0.0954% | 3,702 |
| Net loans and leases to total assets | 46.9547% | 3,830 |
| Net loans and leases to deposits | 51.9012% | 4,001 |
| Net loans and leases to core deposits | 53.7787% | 4,035 |
| Total domestic deposits to total assets | 90.4693% | 565 |
| Equity capital to assets | 9.0667% | 3,744 |
| Core capital (leverage) ratio | 8.5842% | 3,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $316,550,000 | 2,380 |
| Average earning assets | $297,282,667 | 2,368 |
| Average equity | $29,668,667 | 2,579 |
| Average total loans | $156,741,333 | 2,622 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6615% | 2,470 |
| Cost of funding earning assets | 0.3119% | 2,872 |
| Net interest margin | 3.3496% | 2,250 |
| Noninterest income to average assets | 0.4498% | 2,827 |
| Noninterest expense to average assets | 2.5699% | 1,957 |
| Loan and lease loss provision to assets | 0.0773% | 1,648 |
| Net operating income to assets | 0.9447% | 2,987 |
| Return on assets (ROA) | 0.9447% | 3,076 |
| Pretax return on assets | 0.9447% | 3,506 |
| Return on Equity (ROE) | 9.9083% | 2,723 |
| Retained earnings to average equity (ytd only) | 9.9083% | 1,673 |
| Net charge-offs to loans | 0.0229% | 1,286 |
| Credit loss provision to net charge-offs | 666.6667% | 522 |
| Earnings coverage of net charge-offs (x) | 88.1111% | 664 |
| Efficiency ratio | 68.9630% | 1,817 |
| Assets per employee ($millions) | 4.4989% | 4,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 3,454 |
| Loan loss allowance to noncurrent loans | 365.0526% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.1466% | 3,438 |
| Noncurrent loans to loans | 0.3004% | 3,021 |
| Net loans and leases to total assets | 48.2871% | 3,784 |
| Net loans and leases to deposits | 53.4497% | 3,978 |
| Net loans and leases to core deposits | 55.3256% | 4,018 |
| Total domestic deposits to total assets | 90.3411% | 648 |
| Equity capital to assets | 9.2251% | 3,475 |
| Core capital (leverage) ratio | 9.3204% | 3,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $310,361,000 | 2,393 |
| Average earning assets | $291,140,000 | 2,376 |
| Average equity | $29,591,500 | 2,578 |
| Average total loans | $157,006,500 | 2,626 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4514% | 1,435 |
| Cost of funding earning assets | 0.5427% | 2,654 |
| Net interest margin | 3.9087% | 1,187 |
| Noninterest income to average assets | 0.4886% | 2,679 |
| Noninterest expense to average assets | 3.1039% | 1,221 |
| Loan and lease loss provision to assets | 0.0863% | 3,288 |
| Net operating income to assets | 0.9348% | 2,541 |
| Return on assets (ROA) | 0.9359% | 2,686 |
| Pretax return on assets | 0.9359% | 3,265 |
| Return on Equity (ROE) | 9.3947% | 2,244 |
| Retained earnings to average equity (ytd only) | 5.1960% | 2,188 |
| Net charge-offs to loans | 0.0409% | 2,237 |
| Credit loss provision to net charge-offs | 364.1791% | 1,546 |
| Earnings coverage of net charge-offs (x) | 43.1045% | 1,323 |
| Efficiency ratio | 72.7608% | 1,600 |
| Assets per employee ($millions) | 4.2400% | 4,184 |
| Cash dividends to net income (ytd only)* | 44.6921% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 3,561 |
| Loan loss allowance to noncurrent loans | 360.3854% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 3,487 |
| Noncurrent loans to loans | 0.2996% | 3,122 |
| Net loans and leases to total assets | 51.9486% | 3,665 |
| Net loans and leases to deposits | 57.9453% | 3,892 |
| Net loans and leases to core deposits | 60.1252% | 3,940 |
| Total domestic deposits to total assets | 89.6510% | 698 |
| Equity capital to assets | 9.8722% | 3,245 |
| Core capital (leverage) ratio | 9.2315% | 3,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $282,833,200 | 2,385 |
| Average earning assets | $263,132,600 | 2,378 |
| Average equity | $28,175,400 | 2,592 |
| Average total loans | $163,684,400 | 2,538 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5927% | 1,327 |
| Cost of funding earning assets | 0.5905% | 2,675 |
| Net interest margin | 4.0021% | 1,111 |
| Noninterest income to average assets | 0.4410% | 2,883 |
| Noninterest expense to average assets | 3.1889% | 1,089 |
| Loan and lease loss provision to assets | 0.0845% | 3,255 |
| Net operating income to assets | 0.8844% | 2,758 |
| Return on assets (ROA) | 0.8844% | 2,881 |
| Pretax return on assets | 0.8844% | 3,422 |
| Return on Equity (ROE) | 8.8571% | 2,457 |
| Retained earnings to average equity (ytd only) | 5.0237% | 2,547 |
| Net charge-offs to loans | 0.0515% | 1,869 |
| Credit loss provision to net charge-offs | 276.5625% | 1,838 |
| Earnings coverage of net charge-offs (x) | 31.7188% | 1,531 |
| Efficiency ratio | 74.1935% | 1,391 |
| Assets per employee ($millions) | 4.1608% | 4,182 |
| Cash dividends to net income (ytd only)* | 43.2812% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 3,722 |
| Loan loss allowance to noncurrent loans | 351.9565% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 3,622 |
| Noncurrent loans to loans | 0.2830% | 3,273 |
| Net loans and leases to total assets | 55.2516% | 3,684 |
| Net loans and leases to deposits | 61.7932% | 3,944 |
| Net loans and leases to core deposits | 64.0309% | 4,008 |
| Total domestic deposits to total assets | 89.4137% | 609 |
| Equity capital to assets | 9.9384% | 3,282 |
| Core capital (leverage) ratio | 9.0240% | 3,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $279,340,750 | 2,384 |
| Average earning assets | $259,422,500 | 2,376 |
| Average equity | $27,894,000 | 2,602 |
| Average total loans | $165,638,500 | 2,527 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7144% | 1,372 |
| Cost of funding earning assets | 0.6638% | 2,602 |
| Net interest margin | 4.0507% | 1,215 |
| Noninterest income to average assets | 0.4982% | 2,573 |
| Noninterest expense to average assets | 3.4245% | 825 |
| Loan and lease loss provision to assets | 0.0835% | 3,238 |
| Net operating income to assets | 0.7445% | 3,229 |
| Return on assets (ROA) | 0.7445% | 3,348 |
| Pretax return on assets | 0.7445% | 3,756 |
| Return on Equity (ROE) | 7.4428% | 2,953 |
| Retained earnings to average equity (ytd only) | 3.9429% | 2,942 |
| Net charge-offs to loans | 0.0696% | 1,554 |
| Credit loss provision to net charge-offs | 198.2759% | 1,935 |
| Earnings coverage of net charge-offs (x) | 19.6552% | 1,709 |
| Efficiency ratio | 78.0529% | 1,049 |
| Assets per employee ($millions) | 4.2285% | 4,074 |
| Cash dividends to net income (ytd only)* | 47.0244% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 3,720 |
| Loan loss allowance to noncurrent loans | 308.2840% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 3,675 |
| Noncurrent loans to loans | 0.3140% | 3,260 |
| Net loans and leases to total assets | 54.0286% | 3,870 |
| Net loans and leases to deposits | 60.1581% | 4,110 |
| Net loans and leases to core deposits | 62.4008% | 4,159 |
| Total domestic deposits to total assets | 89.8110% | 453 |
| Equity capital to assets | 9.5397% | 3,625 |
| Core capital (leverage) ratio | 9.1820% | 3,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $275,369,333 | 2,374 |
| Average earning assets | $255,216,333 | 2,379 |
| Average equity | $27,543,333 | 2,612 |
| Average total loans | $166,670,667 | 2,502 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0784% | 832 |
| Cost of funding earning assets | 0.7687% | 2,549 |
| Net interest margin | 4.3097% | 746 |
| Noninterest income to average assets | 0.5116% | 2,500 |
| Noninterest expense to average assets | 3.0816% | 1,686 |
| Loan and lease loss provision to assets | 0.0830% | 2,655 |
| Net operating income to assets | 1.3235% | 1,179 |
| Return on assets (ROA) | 1.3235% | 1,274 |
| Pretax return on assets | 1.3235% | 1,802 |
| Return on Equity (ROE) | 12.8987% | 900 |
| Retained earnings to average equity (ytd only) | 12.8987% | 331 |
| Net charge-offs to loans | 0.0236% | 1,892 |
| Credit loss provision to net charge-offs | 550.0000% | 831 |
| Earnings coverage of net charge-offs (x) | 93.2000% | 606 |
| Efficiency ratio | 66.2408% | 2,923 |
| Assets per employee ($millions) | 3.9002% | 4,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9155% | 4,055 |
| Loan loss allowance to noncurrent loans | 292.0904% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.1973% | 3,699 |
| Noncurrent loans to loans | 0.3134% | 3,372 |
| Net loans and leases to total assets | 62.3757% | 3,256 |
| Net loans and leases to deposits | 70.1101% | 3,583 |
| Net loans and leases to core deposits | 73.0943% | 3,690 |
| Total domestic deposits to total assets | 88.9682% | 679 |
| Equity capital to assets | 10.2555% | 3,552 |
| Core capital (leverage) ratio | 9.8726% | 3,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,056,500 | 2,395 |
| Average earning assets | $244,565,500 | 2,413 |
| Average equity | $27,196,500 | 2,629 |
| Average total loans | $169,263,500 | 2,460 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2184% | 950 |
| Cost of funding earning assets | 0.7401% | 2,972 |
| Net interest margin | 4.4783% | 749 |
| Noninterest income to average assets | 0.7325% | 1,693 |
| Noninterest expense to average assets | 3.0859% | 1,794 |
| Loan and lease loss provision to assets | 0.0566% | 2,902 |
| Net operating income to assets | 1.7812% | 542 |
| Return on assets (ROA) | 1.7812% | 579 |
| Pretax return on assets | 1.7812% | 988 |
| Return on Equity (ROE) | 15.2727% | 640 |
| Retained earnings to average equity (ytd only) | 7.2892% | 1,260 |
| Net charge-offs to loans | 0.0349% | 2,689 |
| Credit loss provision to net charge-offs | 245.0980% | 1,107 |
| Earnings coverage of net charge-offs (x) | 79.6471% | 795 |
| Efficiency ratio | 62.6757% | 3,268 |
| Assets per employee ($millions) | 3.7826% | 4,166 |
| Cash dividends to net income (ytd only)* | 52.2733% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8905% | 4,001 |
| Loan loss allowance to noncurrent loans | 264.2105% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.2184% | 3,584 |
| Noncurrent loans to loans | 0.3370% | 3,236 |
| Net loans and leases to total assets | 64.2180% | 3,171 |
| Net loans and leases to deposits | 72.1852% | 3,511 |
| Net loans and leases to core deposits | 75.4873% | 3,614 |
| Total domestic deposits to total assets | 88.9628% | 687 |
| Equity capital to assets | 10.2659% | 3,656 |
| Core capital (leverage) ratio | 10.1359% | 3,371 |
| Tier 1 risk-based capital ratio | 15.2862% | 2,661 |
| Total risk-based capital ratio | 16.1524% | 2,759 |
| Memoranda: | ||
| Average total assets | $221,035,800 | 2,650 |
| Average earning assets | $206,862,600 | 2,637 |
| Average equity | $25,778,000 | 2,655 |
| Average total loans | $146,145,600 | 2,657 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0811% | 1,325 |
| Cost of funding earning assets | 0.7170% | 3,123 |
| Net interest margin | 4.3640% | 1,025 |
| Noninterest income to average assets | 0.6223% | 2,099 |
| Noninterest expense to average assets | 2.7311% | 2,781 |
| Loan and lease loss provision to assets | 0.0588% | 2,724 |
| Net operating income to assets | 1.9313% | 459 |
| Return on assets (ROA) | 1.9313% | 476 |
| Pretax return on assets | 1.9313% | 804 |
| Return on Equity (ROE) | 15.9689% | 610 |
| Retained earnings to average equity (ytd only) | 8.6191% | 1,164 |
| Net charge-offs to loans | 0.0389% | 2,308 |
| Credit loss provision to net charge-offs | 226.8293% | 1,187 |
| Earnings coverage of net charge-offs (x) | 76.8228% | 882 |
| Efficiency ratio | 57.8483% | 3,961 |
| Assets per employee ($millions) | 4.0213% | 3,874 |
| Cash dividends to net income (ytd only)* | 46.0254% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0838% | 3,112 |
| Loan loss allowance to noncurrent loans | 1,003.3784% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 4,362 |
| Noncurrent loans to loans | 0.1080% | 4,161 |
| Net loans and leases to total assets | 64.8160% | 3,202 |
| Net loans and leases to deposits | 74.6998% | 3,418 |
| Net loans and leases to core deposits | 79.1701% | 3,453 |
| Total domestic deposits to total assets | 86.7686% | 1,642 |
| Equity capital to assets | 12.6771% | 1,791 |
| Core capital (leverage) ratio | 12.6004% | 1,527 |
| Tier 1 risk-based capital ratio | 18.5806% | 1,668 |
| Total risk-based capital ratio | 19.6278% | 1,684 |
| Memoranda: | ||
| Average total assets | $211,044,750 | 2,764 |
| Average earning assets | $198,221,250 | 2,746 |
| Average equity | $25,524,000 | 2,678 |
| Average total loans | $140,403,250 | 2,748 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0757% | 1,283 |
| Cost of funding earning assets | 0.7031% | 3,158 |
| Net interest margin | 4.3726% | 991 |
| Noninterest income to average assets | 0.6982% | 1,719 |
| Noninterest expense to average assets | 2.6879% | 2,948 |
| Loan and lease loss provision to assets | 0.0586% | 2,653 |
| Net operating income to assets | 2.0643% | 350 |
| Return on assets (ROA) | 2.0643% | 364 |
| Pretax return on assets | 2.0643% | 600 |
| Return on Equity (ROE) | 17.3443% | 431 |
| Retained earnings to average equity (ytd only) | 10.2795% | 680 |
| Net charge-offs to loans | 0.0551% | 1,857 |
| Credit loss provision to net charge-offs | 158.9744% | 1,432 |
| Earnings coverage of net charge-offs (x) | 57.6154% | 1,006 |
| Efficiency ratio | 55.8720% | 4,258 |
| Assets per employee ($millions) | 4.0583% | 3,793 |
| Cash dividends to net income (ytd only)* | 40.7323% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 3,449 |
| Loan loss allowance to noncurrent loans | 970.0000% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.0711% | 4,403 |
| Noncurrent loans to loans | 0.1060% | 4,194 |
| Net loans and leases to total assets | 66.3749% | 3,056 |
| Net loans and leases to deposits | 76.2074% | 3,310 |
| Net loans and leases to core deposits | 80.6965% | 3,367 |
| Total domestic deposits to total assets | 87.0978% | 1,553 |
| Equity capital to assets | 12.3620% | 1,931 |
| Core capital (leverage) ratio | 12.2139% | 1,692 |
| Tier 1 risk-based capital ratio | 17.9394% | 1,823 |
| Total risk-based capital ratio | 18.9437% | 1,837 |
| Memoranda: | ||
| Average total assets | $211,690,000 | 2,762 |
| Average earning assets | $199,105,670 | 2,749 |
| Average equity | $25,195,670 | 2,701 |
| Average total loans | $141,530,670 | 2,748 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9735% | 1,403 |
| Cost of funding earning assets | 0.6706% | 3,200 |
| Net interest margin | 4.3029% | 1,085 |
| Noninterest income to average assets | 0.9301% | 970 |
| Noninterest expense to average assets | 2.6884% | 2,945 |
| Loan and lease loss provision to assets | 0.0566% | 2,537 |
| Net operating income to assets | 2.2281% | 261 |
| Return on assets (ROA) | 2.2281% | 271 |
| Pretax return on assets | 2.2281% | 422 |
| Return on Equity (ROE) | 19.0873% | 324 |
| Retained earnings to average equity (ytd only) | 19.0873% | 122 |
| Net charge-offs to loans | 0.1017% | 1,130 |
| Credit loss provision to net charge-offs | 83.3333% | 1,758 |
| Earnings coverage of net charge-offs (x) | 33.6389% | 1,259 |
| Efficiency ratio | 54.0592% | 4,530 |
| Assets per employee ($millions) | 4.2642% | 3,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0115% | 3,617 |
| Loan loss allowance to noncurrent loans | 944.3709% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 4,472 |
| Noncurrent loans to loans | 0.1071% | 4,255 |
| Net loans and leases to total assets | 64.1694% | 3,267 |
| Net loans and leases to deposits | 73.0648% | 3,525 |
| Net loans and leases to core deposits | 77.1988% | 3,581 |
| Total domestic deposits to total assets | 87.8253% | 1,434 |
| Equity capital to assets | 11.7227% | 2,213 |
| Core capital (leverage) ratio | 12.2059% | 1,659 |
| Tier 1 risk-based capital ratio | 17.8539% | 1,830 |
| Total risk-based capital ratio | 18.8378% | 1,870 |
| Memoranda: | ||
| Average total assets | $212,018,500 | 2,793 |
| Average earning assets | $199,216,000 | 2,772 |
| Average equity | $24,749,500 | 2,740 |
| Average total loans | $141,532,000 | 2,780 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8258% | 1,478 |
| Cost of funding earning assets | 0.5110% | 3,284 |
| Net interest margin | 4.3148% | 1,113 |
| Noninterest income to average assets | 0.5174% | 2,731 |
| Noninterest expense to average assets | 2.8091% | 2,659 |
| Loan and lease loss provision to assets | 0.0585% | 2,995 |
| Net operating income to assets | 1.6961% | 702 |
| Return on assets (ROA) | 1.6961% | 694 |
| Pretax return on assets | 1.6961% | 1,176 |
| Return on Equity (ROE) | 14.9989% | 829 |
| Retained earnings to average equity (ytd only) | 6.2413% | 2,069 |
| Net charge-offs to loans | 0.0007% | 3,759 |
| Credit loss provision to net charge-offs | 12,100.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 3,632.0000% | 21 |
| Efficiency ratio | 61.5539% | 3,612 |
| Assets per employee ($millions) | 3.9723% | 3,931 |
| Cash dividends to net income (ytd only)* | 58.3879% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 3,631 |
| Loan loss allowance to noncurrent loans | 935.9477% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 4,451 |
| Noncurrent loans to loans | 0.1077% | 4,248 |
| Net loans and leases to total assets | 68.0927% | 2,871 |
| Net loans and leases to deposits | 77.4521% | 3,232 |
| Net loans and leases to core deposits | 82.2056% | 3,245 |
| Total domestic deposits to total assets | 87.9159% | 1,338 |
| Equity capital to assets | 11.6213% | 2,161 |
| Core capital (leverage) ratio | 12.0074% | 1,729 |
| Tier 1 risk-based capital ratio | 17.2081% | 1,991 |
| Total risk-based capital ratio | 18.2058% | 2,028 |
| Memoranda: | ||
| Average total assets | $207,002,200 | 2,794 |
| Average earning assets | $194,123,000 | 2,777 |
| Average equity | $23,408,400 | 2,781 |
| Average total loans | $138,033,600 | 2,792 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7787% | 1,477 |
| Cost of funding earning assets | 0.4757% | 3,356 |
| Net interest margin | 4.3031% | 1,106 |
| Noninterest income to average assets | 0.5060% | 2,832 |
| Noninterest expense to average assets | 2.7875% | 2,680 |
| Loan and lease loss provision to assets | 0.0579% | 2,820 |
| Net operating income to assets | 1.6963% | 751 |
| Return on assets (ROA) | 1.6963% | 752 |
| Pretax return on assets | 1.6963% | 1,284 |
| Return on Equity (ROE) | 15.1047% | 850 |
| Retained earnings to average equity (ytd only) | 7.0680% | 2,095 |
| Net charge-offs to loans | 0.0136% | 2,938 |
| Credit loss provision to net charge-offs | 642.8571% | 565 |
| Earnings coverage of net charge-offs (x) | 194.6031% | 448 |
| Efficiency ratio | 61.3749% | 3,604 |
| Assets per employee ($millions) | 3.9737% | 3,930 |
| Cash dividends to net income (ytd only)* | 53.2069% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 3,841 |
| Loan loss allowance to noncurrent loans | 901.2987% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.0745% | 4,602 |
| Noncurrent loans to loans | 0.1097% | 4,398 |
| Net loans and leases to total assets | 67.2853% | 3,040 |
| Net loans and leases to deposits | 76.3372% | 3,390 |
| Net loans and leases to core deposits | 81.0277% | 3,404 |
| Total domestic deposits to total assets | 88.1422% | 1,181 |
| Equity capital to assets | 11.3501% | 2,359 |
| Core capital (leverage) ratio | 11.8855% | 1,852 |
| Tier 1 risk-based capital ratio | 17.1657% | 2,034 |
| Total risk-based capital ratio | 18.1395% | 2,093 |
| Memoranda: | ||
| Average total assets | $207,112,500 | 2,818 |
| Average earning assets | $194,244,000 | 2,791 |
| Average equity | $23,259,250 | 2,805 |
| Average total loans | $137,020,750 | 2,821 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 1,447 |
| Cost of funding earning assets | 0.4636% | 3,260 |
| Net interest margin | 4.2590% | 1,137 |
| Noninterest income to average assets | 0.4902% | 2,911 |
| Noninterest expense to average assets | 2.7741% | 2,746 |
| Loan and lease loss provision to assets | 0.0579% | 2,747 |
| Net operating income to assets | 1.6558% | 790 |
| Return on assets (ROA) | 1.6558% | 801 |
| Pretax return on assets | 1.6558% | 1,327 |
| Return on Equity (ROE) | 14.7965% | 893 |
| Retained earnings to average equity (ytd only) | 7.4759% | 1,851 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8147% | 3,646 |
| Assets per employee ($millions) | 4.0168% | 3,868 |
| Cash dividends to net income (ytd only)* | 49.4755% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9919% | 3,898 |
| Loan loss allowance to noncurrent loans | 862.8931% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 4,631 |
| Noncurrent loans to loans | 0.1150% | 4,397 |
| Net loans and leases to total assets | 65.5633% | 3,209 |
| Net loans and leases to deposits | 74.1752% | 3,515 |
| Net loans and leases to core deposits | 78.3242% | 3,553 |
| Total domestic deposits to total assets | 88.3898% | 1,187 |
| Equity capital to assets | 11.1291% | 2,523 |
| Core capital (leverage) ratio | 11.5107% | 2,067 |
| Tier 1 risk-based capital ratio | 16.8953% | 2,131 |
| Total risk-based capital ratio | 17.8570% | 2,169 |
| Memoranda: | ||
| Average total assets | $207,272,670 | 2,839 |
| Average earning assets | $194,552,670 | 2,806 |
| Average equity | $23,194,670 | 2,823 |
| Average total loans | $135,887,330 | 2,843 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6546% | 1,422 |
| Cost of funding earning assets | 0.4372% | 3,310 |
| Net interest margin | 4.2174% | 1,143 |
| Noninterest income to average assets | 0.4863% | 2,890 |
| Noninterest expense to average assets | 2.7801% | 2,767 |
| Loan and lease loss provision to assets | 0.0581% | 2,608 |
| Net operating income to assets | 1.6099% | 837 |
| Return on assets (ROA) | 1.6099% | 840 |
| Pretax return on assets | 1.6099% | 1,366 |
| Return on Equity (ROE) | 14.3468% | 940 |
| Retained earnings to average equity (ytd only) | 14.3468% | 384 |
| Net charge-offs to loans | -0.0089% | 4,201 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5000% | 3,704 |
| Assets per employee ($millions) | 3.9762% | 4,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 3,916 |
| Loan loss allowance to noncurrent loans | 835.4037% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 4,707 |
| Noncurrent loans to loans | 0.1204% | 4,423 |
| Net loans and leases to total assets | 62.8110% | 3,444 |
| Net loans and leases to deposits | 70.9546% | 3,708 |
| Net loans and leases to core deposits | 74.8760% | 3,751 |
| Total domestic deposits to total assets | 88.5228% | 1,343 |
| Equity capital to assets | 11.0748% | 2,507 |
| Core capital (leverage) ratio | 11.8463% | 1,752 |
| Tier 1 risk-based capital ratio | 16.7800% | 2,188 |
| Total risk-based capital ratio | 17.7180% | 2,233 |
| Memoranda: | ||
| Average total assets | $206,471,000 | 2,874 |
| Average earning assets | $193,960,000 | 2,838 |
| Average equity | $23,169,000 | 2,847 |
| Average total loans | $134,672,000 | 2,877 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8262% | 930 |
| Cost of funding earning assets | 0.4053% | 3,198 |
| Net interest margin | 4.4209% | 728 |
| Noninterest income to average assets | 0.5377% | 2,784 |
| Noninterest expense to average assets | 2.8185% | 2,710 |
| Loan and lease loss provision to assets | 0.0649% | 2,917 |
| Net operating income to assets | 1.7988% | 424 |
| Return on assets (ROA) | 1.7182% | 522 |
| Pretax return on assets | 1.7182% | 966 |
| Return on Equity (ROE) | 14.8869% | 626 |
| Retained earnings to average equity (ytd only) | 4.5975% | 2,392 |
| Net charge-offs to loans | 0.0249% | 3,312 |
| Credit loss provision to net charge-offs | 387.8788% | 779 |
| Earnings coverage of net charge-offs (x) | 111.3333% | 603 |
| Efficiency ratio | 60.1950% | 4,232 |
| Assets per employee ($millions) | 3.8151% | 4,262 |
| Cash dividends to net income (ytd only)* | 69.1172% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 4,115 |
| Loan loss allowance to noncurrent loans | 804.9080% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 4,712 |
| Noncurrent loans to loans | 0.1202% | 4,443 |
| Net loans and leases to total assets | 66.4281% | 3,044 |
| Net loans and leases to deposits | 75.3450% | 3,405 |
| Net loans and leases to core deposits | 79.2789% | 3,475 |
| Total domestic deposits to total assets | 88.1653% | 1,403 |
| Equity capital to assets | 11.3743% | 2,304 |
| Core capital (leverage) ratio | 11.4798% | 1,953 |
| Tier 1 risk-based capital ratio | 16.2172% | 2,357 |
| Total risk-based capital ratio | 17.1329% | 2,422 |
| Memoranda: | ||
| Average total assets | $197,127,200 | 2,948 |
| Average earning assets | $184,805,200 | 2,913 |
| Average equity | $22,751,600 | 2,883 |
| Average total loans | $132,729,800 | 2,881 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8369% | 861 |
| Cost of funding earning assets | 0.4079% | 3,109 |
| Net interest margin | 4.4290% | 690 |
| Noninterest income to average assets | 0.5378% | 2,791 |
| Noninterest expense to average assets | 2.8346% | 2,617 |
| Loan and lease loss provision to assets | 0.0654% | 2,765 |
| Net operating income to assets | 1.7917% | 476 |
| Return on assets (ROA) | 1.7917% | 485 |
| Pretax return on assets | 1.7917% | 908 |
| Return on Equity (ROE) | 15.4662% | 595 |
| Retained earnings to average equity (ytd only) | 5.8233% | 2,364 |
| Net charge-offs to loans | 0.0121% | 3,303 |
| Credit loss provision to net charge-offs | 800.0000% | 432 |
| Earnings coverage of net charge-offs (x) | 227.3275% | 382 |
| Efficiency ratio | 60.4179% | 4,139 |
| Assets per employee ($millions) | 3.8136% | 4,293 |
| Cash dividends to net income (ytd only)* | 62.3481% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9289% | 4,432 |
| Loan loss allowance to noncurrent loans | 793.2927% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.0811% | 4,832 |
| Noncurrent loans to loans | 0.1171% | 4,590 |
| Net loans and leases to total assets | 68.6518% | 2,752 |
| Net loans and leases to deposits | 77.9479% | 3,168 |
| Net loans and leases to core deposits | 82.0181% | 3,279 |
| Total domestic deposits to total assets | 88.0739% | 1,330 |
| Equity capital to assets | 11.4679% | 2,408 |
| Core capital (leverage) ratio | 11.5221% | 2,000 |
| Tier 1 risk-based capital ratio | 15.8614% | 2,565 |
| Total risk-based capital ratio | 16.7516% | 2,661 |
| Memoranda: | ||
| Average total assets | $195,858,500 | 2,990 |
| Average earning assets | $183,694,750 | 2,950 |
| Average equity | $22,689,750 | 2,909 |
| Average total loans | $132,004,500 | 2,913 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8363% | 794 |
| Cost of funding earning assets | 0.4081% | 2,994 |
| Net interest margin | 4.4282% | 668 |
| Noninterest income to average assets | 0.5223% | 2,882 |
| Noninterest expense to average assets | 2.8178% | 2,690 |
| Loan and lease loss provision to assets | 0.0681% | 2,607 |
| Net operating income to assets | 1.7918% | 460 |
| Return on assets (ROA) | 1.7918% | 473 |
| Pretax return on assets | 1.7918% | 862 |
| Return on Equity (ROE) | 15.4128% | 608 |
| Retained earnings to average equity (ytd only) | 6.4990% | 1,845 |
| Net charge-offs to loans | 0.0124% | 3,022 |
| Credit loss provision to net charge-offs | 825.0000% | 453 |
| Earnings coverage of net charge-offs (x) | 225.2500% | 373 |
| Efficiency ratio | 60.2383% | 4,283 |
| Assets per employee ($millions) | 3.8231% | 4,247 |
| Cash dividends to net income (ytd only)* | 57.8341% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9268% | 4,531 |
| Loan loss allowance to noncurrent loans | 791.9255% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.0810% | 4,874 |
| Noncurrent loans to loans | 0.1170% | 4,650 |
| Net loans and leases to total assets | 68.5587% | 2,731 |
| Net loans and leases to deposits | 77.9224% | 3,124 |
| Net loans and leases to core deposits | 82.0663% | 3,247 |
| Total domestic deposits to total assets | 87.9833% | 1,464 |
| Equity capital to assets | 11.5649% | 2,257 |
| Core capital (leverage) ratio | 11.7423% | 1,800 |
| Tier 1 risk-based capital ratio | 15.8267% | 2,574 |
| Total risk-based capital ratio | 16.7071% | 2,660 |
| Memoranda: | ||
| Average total assets | $193,771,330 | 3,024 |
| Average earning assets | $181,833,670 | 2,983 |
| Average equity | $22,526,670 | 2,924 |
| Average total loans | $129,319,330 | 2,957 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7213% | 896 |
| Cost of funding earning assets | 0.4075% | 2,923 |
| Net interest margin | 4.3138% | 759 |
| Noninterest income to average assets | 0.5249% | 2,799 |
| Noninterest expense to average assets | 2.8632% | 2,568 |
| Loan and lease loss provision to assets | 0.0711% | 2,383 |
| Net operating income to assets | 1.6418% | 619 |
| Return on assets (ROA) | 1.6418% | 635 |
| Pretax return on assets | 1.6418% | 1,146 |
| Return on Equity (ROE) | 14.0842% | 793 |
| Retained earnings to average equity (ytd only) | 14.0842% | 290 |
| Net charge-offs to loans | 0.0128% | 2,553 |
| Credit loss provision to net charge-offs | 850.0000% | 369 |
| Earnings coverage of net charge-offs (x) | 204.7500% | 274 |
| Efficiency ratio | 62.5686% | 4,064 |
| Assets per employee ($millions) | 3.6495% | 4,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9710% | 4,438 |
| Loan loss allowance to noncurrent loans | 765.0307% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.0843% | 4,935 |
| Noncurrent loans to loans | 0.1269% | 4,676 |
| Net loans and leases to total assets | 65.7478% | 3,012 |
| Net loans and leases to deposits | 74.8709% | 3,316 |
| Net loans and leases to core deposits | 79.0585% | 3,383 |
| Total domestic deposits to total assets | 87.8149% | 1,815 |
| Equity capital to assets | 11.7855% | 1,978 |
| Core capital (leverage) ratio | 11.9876% | 1,640 |
| Tier 1 risk-based capital ratio | 16.6239% | 2,318 |
| Total risk-based capital ratio | 17.5261% | 2,391 |
| Memoranda: | ||
| Average total assets | $191,257,500 | 3,084 |
| Average earning assets | $179,610,500 | 3,040 |
| Average equity | $22,294,500 | 2,958 |
| Average total loans | $125,194,500 | 3,038 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5202% | 1,478 |
| Cost of funding earning assets | 0.4054% | 2,950 |
| Net interest margin | 4.1148% | 1,348 |
| Noninterest income to average assets | 0.5356% | 2,996 |
| Noninterest expense to average assets | 2.7734% | 3,109 |
| Loan and lease loss provision to assets | 0.0646% | 3,081 |
| Net operating income to assets | 1.5603% | 743 |
| Return on assets (ROA) | 1.5788% | 744 |
| Pretax return on assets | 1.5788% | 1,345 |
| Return on Equity (ROE) | 13.4065% | 908 |
| Retained earnings to average equity (ytd only) | 4.2246% | 2,899 |
| Net charge-offs to loans | 0.0151% | 3,789 |
| Credit loss provision to net charge-offs | 677.7778% | 516 |
| Earnings coverage of net charge-offs (x) | 170.5556% | 380 |
| Efficiency ratio | 63.0566% | 4,094 |
| Assets per employee ($millions) | 3.6364% | 4,559 |
| Cash dividends to net income (ytd only)* | 68.4881% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 4,345 |
| Loan loss allowance to noncurrent loans | 683.7079% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 4,952 |
| Noncurrent loans to loans | 0.1459% | 4,651 |
| Net loans and leases to total assets | 63.8597% | 3,375 |
| Net loans and leases to deposits | 72.4686% | 3,661 |
| Net loans and leases to core deposits | 76.4777% | 3,709 |
| Total domestic deposits to total assets | 88.1205% | 1,581 |
| Equity capital to assets | 11.5251% | 2,145 |
| Core capital (leverage) ratio | 11.7148% | 1,782 |
| Tier 1 risk-based capital ratio | 16.7532% | 2,251 |
| Total risk-based capital ratio | 17.6721% | 2,317 |
| Memoranda: | ||
| Average total assets | $188,940,400 | 3,071 |
| Average earning assets | $177,360,400 | 3,042 |
| Average equity | $22,250,400 | 2,969 |
| Average total loans | $118,865,400 | 3,083 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4803% | 1,605 |
| Cost of funding earning assets | 0.4044% | 2,976 |
| Net interest margin | 4.0759% | 1,459 |
| Noninterest income to average assets | 0.5343% | 3,021 |
| Noninterest expense to average assets | 2.7541% | 3,163 |
| Loan and lease loss provision to assets | 0.0649% | 2,932 |
| Net operating income to assets | 1.5422% | 810 |
| Return on assets (ROA) | 1.5443% | 848 |
| Pretax return on assets | 1.5443% | 1,561 |
| Return on Equity (ROE) | 13.0440% | 1,042 |
| Retained earnings to average equity (ytd only) | 4.9601% | 2,854 |
| Net charge-offs to loans | 0.0135% | 3,477 |
| Credit loss provision to net charge-offs | 766.6667% | 519 |
| Earnings coverage of net charge-offs (x) | 189.7450% | 387 |
| Efficiency ratio | 63.1494% | 4,046 |
| Assets per employee ($millions) | 3.5970% | 4,649 |
| Cash dividends to net income (ytd only)* | 61.9742% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 4,470 |
| Loan loss allowance to noncurrent loans | 662.7778% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.0944% | 5,063 |
| Noncurrent loans to loans | 0.1493% | 4,746 |
| Net loans and leases to total assets | 62.6322% | 3,565 |
| Net loans and leases to deposits | 71.4700% | 3,841 |
| Net loans and leases to core deposits | 75.6523% | 3,877 |
| Total domestic deposits to total assets | 87.6343% | 1,596 |
| Equity capital to assets | 11.9608% | 2,150 |
| Core capital (leverage) ratio | 11.4068% | 2,105 |
| Tier 1 risk-based capital ratio | 17.1113% | 2,192 |
| Total risk-based capital ratio | 18.0357% | 2,258 |
| Memoranda: | ||
| Average total assets | $188,902,750 | 3,082 |
| Average earning assets | $177,362,750 | 3,047 |
| Average equity | $22,364,750 | 2,980 |
| Average total loans | $118,089,250 | 3,103 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4498% | 1,677 |
| Cost of funding earning assets | 0.4014% | 3,027 |
| Net interest margin | 4.0484% | 1,507 |
| Noninterest income to average assets | 0.5183% | 3,081 |
| Noninterest expense to average assets | 2.7007% | 3,397 |
| Loan and lease loss provision to assets | 0.0658% | 2,826 |
| Net operating income to assets | 1.5537% | 799 |
| Return on assets (ROA) | 1.5537% | 841 |
| Pretax return on assets | 1.5537% | 1,508 |
| Return on Equity (ROE) | 13.1689% | 990 |
| Retained earnings to average equity (ytd only) | 5.5808% | 2,375 |
| Net charge-offs to loans | 0.0222% | 3,051 |
| Credit loss provision to net charge-offs | 476.9231% | 683 |
| Earnings coverage of net charge-offs (x) | 117.3077% | 501 |
| Efficiency ratio | 62.5123% | 4,264 |
| Assets per employee ($millions) | 3.6142% | 4,577 |
| Cash dividends to net income (ytd only)* | 57.6213% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 4,600 |
| Loan loss allowance to noncurrent loans | 664.0000% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.0914% | 5,155 |
| Noncurrent loans to loans | 0.1480% | 4,843 |
| Net loans and leases to total assets | 61.1036% | 3,738 |
| Net loans and leases to deposits | 69.5829% | 4,024 |
| Net loans and leases to core deposits | 73.7378% | 4,003 |
| Total domestic deposits to total assets | 87.8141% | 1,522 |
| Equity capital to assets | 11.7980% | 2,271 |
| Core capital (leverage) ratio | 11.4817% | 2,007 |
| Tier 1 risk-based capital ratio | 17.0927% | 2,182 |
| Total risk-based capital ratio | 18.0009% | 2,282 |
| Memoranda: | ||
| Average total assets | $188,323,670 | 3,104 |
| Average earning assets | $176,860,330 | 3,075 |
| Average equity | $22,219,000 | 3,002 |
| Average total loans | $117,254,000 | 3,126 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4547% | 1,643 |
| Cost of funding earning assets | 0.4015% | 3,050 |
| Net interest margin | 4.0533% | 1,467 |
| Noninterest income to average assets | 0.5356% | 2,897 |
| Noninterest expense to average assets | 2.7144% | 3,363 |
| Loan and lease loss provision to assets | 0.0686% | 2,581 |
| Net operating income to assets | 1.5596% | 770 |
| Return on assets (ROA) | 1.5596% | 806 |
| Pretax return on assets | 1.5596% | 1,406 |
| Return on Equity (ROE) | 13.2189% | 990 |
| Retained earnings to average equity (ytd only) | 13.2189% | 371 |
| Net charge-offs to loans | 0.0137% | 2,670 |
| Credit loss provision to net charge-offs | 800.0000% | 433 |
| Earnings coverage of net charge-offs (x) | 190.0000% | 318 |
| Efficiency ratio | 62.5062% | 4,371 |
| Assets per employee ($millions) | 3.6661% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 4,767 |
| Loan loss allowance to noncurrent loans | 562.0690% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.1065% | 5,150 |
| Noncurrent loans to loans | 0.1724% | 4,792 |
| Net loans and leases to total assets | 61.1757% | 3,633 |
| Net loans and leases to deposits | 69.6219% | 3,888 |
| Net loans and leases to core deposits | 73.4388% | 3,944 |
| Total domestic deposits to total assets | 87.8685% | 1,714 |
| Equity capital to assets | 11.8147% | 2,143 |
| Core capital (leverage) ratio | 11.7540% | 1,790 |
| Tier 1 risk-based capital ratio | 17.1920% | 2,217 |
| Total risk-based capital ratio | 18.0845% | 2,295 |
| Memoranda: | ||
| Average total assets | $186,710,500 | 3,130 |
| Average earning assets | $175,364,000 | 3,099 |
| Average equity | $22,029,000 | 3,023 |
| Average total loans | $116,778,000 | 3,136 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4206% | 1,834 |
| Cost of funding earning assets | 0.4043% | 3,106 |
| Net interest margin | 4.0163% | 1,663 |
| Noninterest income to average assets | 0.5651% | 2,931 |
| Noninterest expense to average assets | 2.7077% | 3,558 |
| Loan and lease loss provision to assets | 0.0638% | 3,019 |
| Net operating income to assets | 1.5650% | 759 |
| Return on assets (ROA) | 1.5960% | 732 |
| Pretax return on assets | 1.5960% | 1,256 |
| Return on Equity (ROE) | 13.6882% | 913 |
| Retained earnings to average equity (ytd only) | 4.8653% | 2,518 |
| Net charge-offs to loans | 0.0680% | 2,878 |
| Credit loss provision to net charge-offs | 151.9481% | 1,754 |
| Earnings coverage of net charge-offs (x) | 38.7792% | 1,207 |
| Efficiency ratio | 62.4403% | 4,539 |
| Assets per employee ($millions) | 3.5151% | 4,811 |
| Cash dividends to net income (ytd only)* | 64.4566% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9612% | 4,807 |
| Loan loss allowance to noncurrent loans | 608.1967% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 5,209 |
| Noncurrent loans to loans | 0.1580% | 4,858 |
| Net loans and leases to total assets | 62.7398% | 3,455 |
| Net loans and leases to deposits | 71.3524% | 3,777 |
| Net loans and leases to core deposits | 75.5496% | 3,795 |
| Total domestic deposits to total assets | 87.9295% | 1,668 |
| Equity capital to assets | 11.7816% | 2,127 |
| Core capital (leverage) ratio | 11.4811% | 1,972 |
| Tier 1 risk-based capital ratio | 16.9262% | 2,308 |
| Total risk-based capital ratio | 17.8127% | 2,405 |
| Memoranda: | ||
| Average total assets | $183,328,000 | 3,127 |
| Average earning assets | $172,150,400 | 3,092 |
| Average equity | $21,376,000 | 3,036 |
| Average total loans | $113,169,000 | 3,150 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3871% | 1,963 |
| Cost of funding earning assets | 0.4032% | 3,194 |
| Net interest margin | 3.9839% | 1,749 |
| Noninterest income to average assets | 0.5712% | 2,909 |
| Noninterest expense to average assets | 2.7086% | 3,532 |
| Loan and lease loss provision to assets | 0.0632% | 2,919 |
| Net operating income to assets | 1.5407% | 863 |
| Return on assets (ROA) | 1.5777% | 847 |
| Pretax return on assets | 1.5777% | 1,451 |
| Return on Equity (ROE) | 13.5665% | 989 |
| Retained earnings to average equity (ytd only) | 5.7428% | 2,405 |
| Net charge-offs to loans | 0.0533% | 2,843 |
| Credit loss provision to net charge-offs | 193.3333% | 1,372 |
| Earnings coverage of net charge-offs (x) | 49.0432% | 1,071 |
| Efficiency ratio | 62.8075% | 4,439 |
| Assets per employee ($millions) | 3.5821% | 4,645 |
| Cash dividends to net income (ytd only)* | 57.6693% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 4,887 |
| Loan loss allowance to noncurrent loans | 478.5408% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.1251% | 5,252 |
| Noncurrent loans to loans | 0.2030% | 4,837 |
| Net loans and leases to total assets | 61.0166% | 3,731 |
| Net loans and leases to deposits | 69.3073% | 4,060 |
| Net loans and leases to core deposits | 73.2960% | 4,077 |
| Total domestic deposits to total assets | 88.0377% | 1,530 |
| Equity capital to assets | 11.6128% | 2,410 |
| Core capital (leverage) ratio | 11.2626% | 2,232 |
| Tier 1 risk-based capital ratio | 17.4925% | 2,191 |
| Total risk-based capital ratio | 18.4156% | 2,255 |
| Memoranda: | ||
| Average total assets | $183,463,750 | 3,154 |
| Average earning assets | $172,289,250 | 3,114 |
| Average equity | $21,336,250 | 3,063 |
| Average total loans | $112,513,250 | 3,193 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3794% | 1,922 |
| Cost of funding earning assets | 0.4036% | 3,240 |
| Net interest margin | 3.9757% | 1,717 |
| Noninterest income to average assets | 0.5676% | 2,927 |
| Noninterest expense to average assets | 2.7305% | 3,491 |
| Loan and lease loss provision to assets | 0.0603% | 2,898 |
| Net operating income to assets | 1.5110% | 881 |
| Return on assets (ROA) | 1.5669% | 828 |
| Pretax return on assets | 1.5669% | 1,434 |
| Return on Equity (ROE) | 13.4664% | 1,024 |
| Retained earnings to average equity (ytd only) | 6.2059% | 2,108 |
| Net charge-offs to loans | 0.0769% | 2,291 |
| Credit loss provision to net charge-offs | 127.9070% | 1,720 |
| Earnings coverage of net charge-offs (x) | 33.3488% | 1,276 |
| Efficiency ratio | 63.4743% | 4,434 |
| Assets per employee ($millions) | 3.5423% | 4,720 |
| Cash dividends to net income (ytd only)* | 53.9161% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9814% | 4,956 |
| Loan loss allowance to noncurrent loans | 176.1364% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.3344% | 4,540 |
| Noncurrent loans to loans | 0.5572% | 3,783 |
| Net loans and leases to total assets | 59.4295% | 3,916 |
| Net loans and leases to deposits | 67.4554% | 4,186 |
| Net loans and leases to core deposits | 71.2084% | 4,204 |
| Total domestic deposits to total assets | 88.1019% | 1,596 |
| Equity capital to assets | 11.5582% | 2,364 |
| Core capital (leverage) ratio | 11.3271% | 2,138 |
| Tier 1 risk-based capital ratio | 16.6973% | 2,524 |
| Total risk-based capital ratio | 17.5654% | 2,663 |
| Memoranda: | ||
| Average total assets | $182,528,670 | 3,189 |
| Average earning assets | $171,440,000 | 3,146 |
| Average equity | $21,238,000 | 3,087 |
| Average total loans | $111,761,000 | 3,215 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3517% | 1,935 |
| Cost of funding earning assets | 0.4007% | 3,299 |
| Net interest margin | 3.9510% | 1,713 |
| Noninterest income to average assets | 0.5548% | 2,924 |
| Noninterest expense to average assets | 2.7321% | 3,479 |
| Loan and lease loss provision to assets | 0.0550% | 2,835 |
| Net operating income to assets | 1.4794% | 879 |
| Return on assets (ROA) | 1.4794% | 939 |
| Pretax return on assets | 1.4794% | 1,633 |
| Return on Equity (ROE) | 12.6721% | 1,170 |
| Retained earnings to average equity (ytd only) | 12.6721% | 485 |
| Net charge-offs to loans | 0.0142% | 2,884 |
| Credit loss provision to net charge-offs | 625.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 174.2500% | 315 |
| Efficiency ratio | 64.0351% | 4,474 |
| Assets per employee ($millions) | 3.5130% | 4,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9678% | 5,177 |
| Loan loss allowance to noncurrent loans | 285.6397% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 5,108 |
| Noncurrent loans to loans | 0.3388% | 4,572 |
| Net loans and leases to total assets | 61.2803% | 3,483 |
| Net loans and leases to deposits | 69.7216% | 3,783 |
| Net loans and leases to core deposits | 73.6422% | 3,811 |
| Total domestic deposits to total assets | 87.8928% | 1,885 |
| Equity capital to assets | 11.8236% | 2,172 |
| Core capital (leverage) ratio | 11.4859% | 2,007 |
| Tier 1 risk-based capital ratio | 16.0928% | 2,878 |
| Total risk-based capital ratio | 16.9359% | 3,008 |
| Memoranda: | ||
| Average total assets | $181,694,000 | 3,214 |
| Average earning assets | $170,691,000 | 3,171 |
| Average equity | $21,212,000 | 3,114 |
| Average total loans | $112,365,000 | 3,223 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 1,856 |
| Cost of funding earning assets | 0.4178% | 3,497 |
| Net interest margin | 4.0838% | 1,634 |
| Noninterest income to average assets | 0.6511% | 2,541 |
| Noninterest expense to average assets | 2.7748% | 3,581 |
| Loan and lease loss provision to assets | 0.0594% | 3,345 |
| Net operating income to assets | 1.6467% | 644 |
| Return on assets (ROA) | 1.7095% | 592 |
| Pretax return on assets | 1.7095% | 967 |
| Return on Equity (ROE) | 14.8126% | 810 |
| Retained earnings to average equity (ytd only) | 5.6419% | 2,173 |
| Net charge-offs to loans | 0.0370% | 4,097 |
| Credit loss provision to net charge-offs | 266.6667% | 960 |
| Earnings coverage of net charge-offs (x) | 76.5897% | 658 |
| Efficiency ratio | 61.9248% | 4,927 |
| Assets per employee ($millions) | 3.4752% | 4,940 |
| Cash dividends to net income (ytd only)* | 61.9111% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9607% | 5,245 |
| Loan loss allowance to noncurrent loans | 165.3313% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 4,612 |
| Noncurrent loans to loans | 0.5811% | 3,923 |
| Net loans and leases to total assets | 61.2127% | 3,611 |
| Net loans and leases to deposits | 69.3721% | 3,990 |
| Net loans and leases to core deposits | 73.1784% | 4,007 |
| Total domestic deposits to total assets | 88.2381% | 1,641 |
| Equity capital to assets | 11.5239% | 2,414 |
| Core capital (leverage) ratio | 11.1987% | 2,217 |
| Tier 1 risk-based capital ratio | 15.7967% | 3,063 |
| Total risk-based capital ratio | 16.6354% | 3,227 |
| Memoranda: | ||
| Average total assets | $175,075,400 | 3,271 |
| Average earning assets | $164,183,400 | 3,229 |
| Average equity | $20,205,800 | 3,142 |
| Average total loans | $105,509,400 | 3,315 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4959% | 1,886 |
| Cost of funding earning assets | 0.4192% | 3,588 |
| Net interest margin | 4.0766% | 1,646 |
| Noninterest income to average assets | 0.6111% | 2,801 |
| Noninterest expense to average assets | 2.8399% | 3,317 |
| Loan and lease loss provision to assets | 0.0399% | 3,613 |
| Net operating income to assets | 1.5539% | 833 |
| Return on assets (ROA) | 1.6015% | 783 |
| Pretax return on assets | 1.6015% | 1,318 |
| Return on Equity (ROE) | 13.8709% | 1,013 |
| Retained earnings to average equity (ytd only) | 5.6720% | 2,625 |
| Net charge-offs to loans | 0.0410% | 3,683 |
| Credit loss provision to net charge-offs | 162.5000% | 1,495 |
| Earnings coverage of net charge-offs (x) | 64.8683% | 817 |
| Efficiency ratio | 64.0519% | 4,531 |
| Assets per employee ($millions) | 3.4294% | 4,997 |
| Cash dividends to net income (ytd only)* | 59.1085% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9461% | 5,444 |
| Loan loss allowance to noncurrent loans | 482.6291% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 5,662 |
| Noncurrent loans to loans | 0.1960% | 5,319 |
| Net loans and leases to total assets | 60.3533% | 3,727 |
| Net loans and leases to deposits | 68.3839% | 4,094 |
| Net loans and leases to core deposits | 72.0561% | 4,147 |
| Total domestic deposits to total assets | 88.2566% | 1,628 |
| Equity capital to assets | 11.4625% | 2,519 |
| Core capital (leverage) ratio | 11.1933% | 2,314 |
| Tier 1 risk-based capital ratio | 15.9858% | 3,066 |
| Total risk-based capital ratio | 16.8107% | 3,218 |
| Memoranda: | ||
| Average total assets | $173,666,500 | 3,315 |
| Average earning assets | $162,842,250 | 3,273 |
| Average equity | $20,051,000 | 3,170 |
| Average total loans | $103,964,000 | 3,374 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4497% | 1,995 |
| Cost of funding earning assets | 0.4183% | 3,681 |
| Net interest margin | 4.0314% | 1,718 |
| Noninterest income to average assets | 0.5926% | 2,850 |
| Noninterest expense to average assets | 2.8644% | 3,292 |
| Loan and lease loss provision to assets | 0.0418% | 3,484 |
| Net operating income to assets | 1.4607% | 947 |
| Return on assets (ROA) | 1.5211% | 869 |
| Pretax return on assets | 1.5211% | 1,473 |
| Return on Equity (ROE) | 13.1419% | 1,136 |
| Retained earnings to average equity (ytd only) | 5.8431% | 2,420 |
| Net charge-offs to loans | 0.0137% | 3,965 |
| Credit loss provision to net charge-offs | 514.2857% | 571 |
| Earnings coverage of net charge-offs (x) | 184.7143% | 343 |
| Efficiency ratio | 65.5934% | 4,422 |
| Assets per employee ($millions) | 3.4575% | 4,928 |
| Cash dividends to net income (ytd only)* | 55.5386% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9695% | 5,486 |
| Loan loss allowance to noncurrent loans | 135.9109% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.4244% | 4,734 |
| Noncurrent loans to loans | 0.7134% | 3,921 |
| Net loans and leases to total assets | 58.9128% | 3,876 |
| Net loans and leases to deposits | 66.5732% | 4,211 |
| Net loans and leases to core deposits | 70.0436% | 4,265 |
| Total domestic deposits to total assets | 88.4933% | 1,644 |
| Equity capital to assets | 11.2614% | 2,647 |
| Core capital (leverage) ratio | 11.2357% | 2,216 |
| Tier 1 risk-based capital ratio | 15.9993% | 3,085 |
| Total risk-based capital ratio | 16.8436% | 3,254 |
| Memoranda: | ||
| Average total assets | $172,112,000 | 3,353 |
| Average earning assets | $161,134,670 | 3,306 |
| Average equity | $19,921,000 | 3,176 |
| Average total loans | $102,400,000 | 3,408 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4820% | 1,864 |
| Cost of funding earning assets | 0.4188% | 3,776 |
| Net interest margin | 4.0632% | 1,562 |
| Noninterest income to average assets | 0.5871% | 2,810 |
| Noninterest expense to average assets | 2.9381% | 3,088 |
| Loan and lease loss provision to assets | 0.0428% | 3,239 |
| Net operating income to assets | 1.4120% | 967 |
| Return on assets (ROA) | 1.4120% | 1,010 |
| Pretax return on assets | 1.4120% | 1,707 |
| Return on Equity (ROE) | 12.0255% | 1,399 |
| Retained earnings to average equity (ytd only) | 12.0255% | 601 |
| Net charge-offs to loans | 0.0200% | 3,186 |
| Credit loss provision to net charge-offs | 360.0000% | 697 |
| Earnings coverage of net charge-offs (x) | 122.4000% | 395 |
| Efficiency ratio | 66.8831% | 4,379 |
| Assets per employee ($millions) | 3.3496% | 5,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 5,424 |
| Loan loss allowance to noncurrent loans | 457.8475% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 5,856 |
| Noncurrent loans to loans | 0.2240% | 5,425 |
| Net loans and leases to total assets | 57.6878% | 3,901 |
| Net loans and leases to deposits | 65.5233% | 4,144 |
| Net loans and leases to core deposits | 68.5912% | 4,249 |
| Total domestic deposits to total assets | 88.0418% | 2,216 |
| Equity capital to assets | 11.7773% | 2,031 |
| Core capital (leverage) ratio | 11.7427% | 1,807 |
| Tier 1 risk-based capital ratio | 16.9927% | 2,696 |
| Total risk-based capital ratio | 17.8750% | 2,810 |
| Memoranda: | ||
| Average total assets | $168,272,500 | 3,433 |
| Average earning assets | $157,608,500 | 3,380 |
| Average equity | $19,758,000 | 3,194 |
| Average total loans | $100,121,500 | 3,469 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5033% | 2,189 |
| Cost of funding earning assets | 0.4894% | 3,719 |
| Net interest margin | 4.0139% | 1,912 |
| Noninterest income to average assets | 0.6508% | 2,802 |
| Noninterest expense to average assets | 2.7277% | 4,000 |
| Loan and lease loss provision to assets | 0.0531% | 4,080 |
| Net operating income to assets | 1.6170% | 665 |
| Return on assets (ROA) | 1.6761% | 619 |
| Pretax return on assets | 1.6761% | 995 |
| Return on Equity (ROE) | 14.1828% | 907 |
| Retained earnings to average equity (ytd only) | 5.4243% | 2,332 |
| Net charge-offs to loans | 0.0197% | 5,043 |
| Credit loss provision to net charge-offs | 483.3333% | 478 |
| Earnings coverage of net charge-offs (x) | 152.1111% | 304 |
| Efficiency ratio | 62.0250% | 5,212 |
| Assets per employee ($millions) | 3.0688% | 5,730 |
| Cash dividends to net income (ytd only)* | 61.7540% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 5,556 |
| Loan loss allowance to noncurrent loans | 484.6154% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.1255% | 5,946 |
| Noncurrent loans to loans | 0.2066% | 5,568 |
| Net loans and leases to total assets | 60.1429% | 3,687 |
| Net loans and leases to deposits | 68.2025% | 4,023 |
| Net loans and leases to core deposits | 71.6199% | 4,118 |
| Total domestic deposits to total assets | 88.1829% | 2,065 |
| Equity capital to assets | 11.7049% | 2,026 |
| Core capital (leverage) ratio | 11.3114% | 2,109 |
| Tier 1 risk-based capital ratio | 16.3788% | 2,913 |
| Total risk-based capital ratio | 17.2445% | 3,052 |
| Memoranda: | ||
| Average total assets | $163,947,400 | 3,500 |
| Average earning assets | $153,043,800 | 3,452 |
| Average equity | $19,375,600 | 3,236 |
| Average total loans | $91,328,000 | 3,657 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4209% | 2,521 |
| Cost of funding earning assets | 0.4938% | 3,834 |
| Net interest margin | 3.9270% | 2,179 |
| Noninterest income to average assets | 0.6605% | 2,825 |
| Noninterest expense to average assets | 2.7252% | 3,924 |
| Loan and lease loss provision to assets | 0.0481% | 4,050 |
| Net operating income to assets | 1.5510% | 821 |
| Return on assets (ROA) | 1.6154% | 771 |
| Pretax return on assets | 1.6154% | 1,305 |
| Return on Equity (ROE) | 13.6357% | 1,090 |
| Retained earnings to average equity (ytd only) | 5.8370% | 2,517 |
| Net charge-offs to loans | 0.0150% | 4,831 |
| Credit loss provision to net charge-offs | 590.0000% | 480 |
| Earnings coverage of net charge-offs (x) | 196.1440% | 297 |
| Efficiency ratio | 63.0209% | 4,986 |
| Assets per employee ($millions) | 3.0904% | 5,692 |
| Cash dividends to net income (ytd only)* | 57.1933% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0349% | 5,582 |
| Loan loss allowance to noncurrent loans | 260.6860% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 5,768 |
| Noncurrent loans to loans | 0.3970% | 5,201 |
| Net loans and leases to total assets | 56.6151% | 4,228 |
| Net loans and leases to deposits | 65.4242% | 4,364 |
| Net loans and leases to core deposits | 69.0257% | 4,429 |
| Total domestic deposits to total assets | 86.5355% | 2,943 |
| Equity capital to assets | 11.5416% | 2,273 |
| Core capital (leverage) ratio | 11.2618% | 2,237 |
| Tier 1 risk-based capital ratio | 16.9763% | 2,715 |
| Total risk-based capital ratio | 17.8653% | 2,849 |
| Memoranda: | ||
| Average total assets | $163,505,000 | 3,539 |
| Average earning assets | $152,545,500 | 3,493 |
| Average equity | $19,370,250 | 3,266 |
| Average total loans | $88,991,250 | 3,742 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4622% | 2,343 |
| Cost of funding earning assets | 0.4930% | 3,962 |
| Net interest margin | 3.9692% | 1,971 |
| Noninterest income to average assets | 0.6405% | 2,963 |
| Noninterest expense to average assets | 2.7060% | 4,005 |
| Loan and lease loss provision to assets | 0.0517% | 3,953 |
| Net operating income to assets | 1.5815% | 769 |
| Return on assets (ROA) | 1.6788% | 707 |
| Pretax return on assets | 1.6788% | 1,161 |
| Return on Equity (ROE) | 14.0467% | 1,002 |
| Retained earnings to average equity (ytd only) | 6.6884% | 2,045 |
| Net charge-offs to loans | 0.0092% | 4,702 |
| Credit loss provision to net charge-offs | 1,050.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 331.5000% | 149 |
| Efficiency ratio | 62.3616% | 5,119 |
| Assets per employee ($millions) | 3.1860% | 5,517 |
| Cash dividends to net income (ytd only)* | 52.3844% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1130% | 5,384 |
| Loan loss allowance to noncurrent loans | 444.0909% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.1328% | 6,086 |
| Noncurrent loans to loans | 0.2506% | 5,681 |
| Net loans and leases to total assets | 52.3963% | 4,804 |
| Net loans and leases to deposits | 60.6690% | 4,896 |
| Net loans and leases to core deposits | 64.0623% | 4,890 |
| Total domestic deposits to total assets | 86.3642% | 3,177 |
| Equity capital to assets | 11.5854% | 2,232 |
| Core capital (leverage) ratio | 11.2842% | 2,101 |
| Tier 1 risk-based capital ratio | 17.6398% | 2,462 |
| Total risk-based capital ratio | 18.5630% | 2,558 |
| Memoranda: | ||
| Average total assets | $162,379,000 | 3,575 |
| Average earning assets | $151,314,330 | 3,531 |
| Average equity | $19,406,670 | 3,279 |
| Average total loans | $86,832,000 | 3,798 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5818% | 1,891 |
| Cost of funding earning assets | 0.4927% | 4,152 |
| Net interest margin | 4.0891% | 1,493 |
| Noninterest income to average assets | 0.6446% | 2,906 |
| Noninterest expense to average assets | 2.6902% | 4,105 |
| Loan and lease loss provision to assets | 0.0672% | 3,514 |
| Net operating income to assets | 1.6873% | 600 |
| Return on assets (ROA) | 1.8839% | 453 |
| Pretax return on assets | 1.8839% | 756 |
| Return on Equity (ROE) | 15.5179% | 676 |
| Retained earnings to average equity (ytd only) | 15.5179% | 314 |
| Net charge-offs to loans | 0.0093% | 3,968 |
| Credit loss provision to net charge-offs | 1,350.0000% | 240 |
| Earnings coverage of net charge-offs (x) | 352.5000% | 104 |
| Efficiency ratio | 60.5263% | 5,513 |
| Assets per employee ($millions) | 3.1690% | 5,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 5,651 |
| Loan loss allowance to noncurrent loans | 448.3721% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 6,175 |
| Noncurrent loans to loans | 0.2427% | 5,808 |
| Net loans and leases to total assets | 54.2090% | 4,374 |
| Net loans and leases to deposits | 63.1959% | 4,394 |
| Net loans and leases to core deposits | 66.5676% | 4,458 |
| Total domestic deposits to total assets | 85.7793% | 3,645 |
| Equity capital to assets | 12.2611% | 1,859 |
| Core capital (leverage) ratio | 11.6120% | 1,810 |
| Tier 1 risk-based capital ratio | 17.8122% | 2,440 |
| Total risk-based capital ratio | 18.7267% | 2,529 |
| Memoranda: | ||
| Average total assets | $160,731,500 | 3,631 |
| Average earning assets | $149,374,500 | 3,603 |
| Average equity | $19,513,000 | 3,315 |
| Average total loans | $86,356,000 | 3,832 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3642% | 3,966 |
| Cost of funding earning assets | 0.5794% | 4,542 |
| Net interest margin | 3.7848% | 3,290 |
| Noninterest income to average assets | 0.6053% | 3,251 |
| Noninterest expense to average assets | 2.6272% | 4,656 |
| Loan and lease loss provision to assets | 0.0427% | 5,319 |
| Net operating income to assets | 1.4864% | 945 |
| Return on assets (ROA) | 1.5141% | 987 |
| Pretax return on assets | 1.5141% | 1,641 |
| Return on Equity (ROE) | 12.5691% | 1,342 |
| Retained earnings to average equity (ytd only) | 4.2158% | 3,263 |
| Net charge-offs to loans | 0.0117% | 5,758 |
| Credit loss provision to net charge-offs | 755.5556% | 324 |
| Earnings coverage of net charge-offs (x) | 270.3333% | 143 |
| Efficiency ratio | 63.2088% | 5,037 |
| Assets per employee ($millions) | 2.9601% | 6,073 |
| Cash dividends to net income (ytd only)* | 66.4591% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1160% | 5,485 |
| Loan loss allowance to noncurrent loans | 424.8869% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 6,220 |
| Noncurrent loans to loans | 0.2627% | 5,822 |
| Net loans and leases to total assets | 52.0488% | 4,919 |
| Net loans and leases to deposits | 60.4975% | 4,973 |
| Net loans and leases to core deposits | 63.6289% | 5,002 |
| Total domestic deposits to total assets | 86.0347% | 3,346 |
| Equity capital to assets | 12.0178% | 2,035 |
| Core capital (leverage) ratio | 11.1505% | 2,126 |
| Tier 1 risk-based capital ratio | 17.7988% | 2,336 |
| Total risk-based capital ratio | 18.7264% | 2,435 |
| Memoranda: | ||
| Average total assets | $159,106,000 | 3,637 |
| Average earning assets | $149,283,000 | 3,572 |
| Average equity | $19,166,000 | 3,310 |
| Average total loans | $76,599,600 | 4,134 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3316% | 4,322 |
| Cost of funding earning assets | 0.6045% | 4,598 |
| Net interest margin | 3.7271% | 3,670 |
| Noninterest income to average assets | 0.5663% | 3,499 |
| Noninterest expense to average assets | 2.6184% | 4,681 |
| Loan and lease loss provision to assets | 0.0386% | 5,292 |
| Net operating income to assets | 1.4162% | 1,191 |
| Return on assets (ROA) | 1.4531% | 1,246 |
| Pretax return on assets | 1.4531% | 2,065 |
| Return on Equity (ROE) | 12.0558% | 1,618 |
| Retained earnings to average equity (ytd only) | 4.6496% | 3,620 |
| Net charge-offs to loans | 0.0071% | 5,635 |
| Credit loss provision to net charge-offs | 1,150.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 433.7598% | 104 |
| Efficiency ratio | 64.2842% | 4,765 |
| Assets per employee ($millions) | 2.9160% | 6,191 |
| Cash dividends to net income (ytd only)* | 61.4317% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 5,336 |
| Loan loss allowance to noncurrent loans | 344.0299% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 6,284 |
| Noncurrent loans to loans | 0.3455% | 5,787 |
| Net loans and leases to total assets | 47.7843% | 5,576 |
| Net loans and leases to deposits | 55.6381% | 5,665 |
| Net loans and leases to core deposits | 58.8257% | 5,676 |
| Total domestic deposits to total assets | 85.8842% | 3,314 |
| Equity capital to assets | 12.0999% | 2,177 |
| Core capital (leverage) ratio | 11.0982% | 2,303 |
| Tier 1 risk-based capital ratio | 18.5530% | 2,141 |
| Total risk-based capital ratio | 19.5098% | 2,226 |
| Memoranda: | ||
| Average total assets | $158,921,000 | 3,677 |
| Average earning assets | $149,532,000 | 3,597 |
| Average equity | $19,155,000 | 3,332 |
| Average total loans | $74,715,250 | 4,236 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3046% | 4,550 |
| Cost of funding earning assets | 0.6315% | 4,615 |
| Net interest margin | 3.6731% | 3,950 |
| Noninterest income to average assets | 0.5453% | 3,612 |
| Noninterest expense to average assets | 2.6055% | 4,760 |
| Loan and lease loss provision to assets | 0.0391% | 5,184 |
| Net operating income to assets | 1.3810% | 1,230 |
| Return on assets (ROA) | 1.4252% | 1,271 |
| Pretax return on assets | 1.4252% | 2,107 |
| Return on Equity (ROE) | 11.8398% | 1,720 |
| Retained earnings to average equity (ytd only) | 5.4637% | 3,008 |
| Net charge-offs to loans | 0.0054% | 5,424 |
| Credit loss provision to net charge-offs | 1,550.0000% | 211 |
| Earnings coverage of net charge-offs (x) | 562.5000% | 69 |
| Efficiency ratio | 64.7225% | 4,758 |
| Assets per employee ($millions) | 2.9210% | 6,203 |
| Cash dividends to net income (ytd only)* | 53.8530% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 5,306 |
| Loan loss allowance to noncurrent loans | 337.9182% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.1674% | 6,374 |
| Noncurrent loans to loans | 0.3582% | 5,827 |
| Net loans and leases to total assets | 46.1734% | 5,806 |
| Net loans and leases to deposits | 53.6425% | 5,908 |
| Net loans and leases to core deposits | 56.9591% | 5,862 |
| Total domestic deposits to total assets | 86.0762% | 3,320 |
| Equity capital to assets | 11.9077% | 2,213 |
| Core capital (leverage) ratio | 10.8902% | 2,401 |
| Tier 1 risk-based capital ratio | 19.4303% | 1,869 |
| Total risk-based capital ratio | 20.4265% | 1,894 |
| Memoranda: | ||
| Average total assets | $158,434,330 | 3,693 |
| Average earning assets | $150,118,670 | 3,602 |
| Average equity | $19,071,330 | 3,346 |
| Average total loans | $73,767,330 | 4,287 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3557% | 4,495 |
| Cost of funding earning assets | 0.6602% | 4,634 |
| Net interest margin | 3.6955% | 3,854 |
| Noninterest income to average assets | 0.5263% | 3,728 |
| Noninterest expense to average assets | 2.6137% | 4,768 |
| Loan and lease loss provision to assets | 0.0381% | 4,908 |
| Net operating income to assets | 1.3755% | 1,265 |
| Return on assets (ROA) | 1.3755% | 1,415 |
| Pretax return on assets | 1.3755% | 2,264 |
| Return on Equity (ROE) | 11.3644% | 1,881 |
| Retained earnings to average equity (ytd only) | 11.3644% | 949 |
| Net charge-offs to loans | 0.0109% | 4,561 |
| Credit loss provision to net charge-offs | 750.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 278.0000% | 120 |
| Efficiency ratio | 64.8990% | 4,761 |
| Assets per employee ($millions) | 2.9175% | 6,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 5,437 |
| Loan loss allowance to noncurrent loans | 296.6777% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 6,408 |
| Noncurrent loans to loans | 0.4082% | 5,853 |
| Net loans and leases to total assets | 45.3945% | 5,857 |
| Net loans and leases to deposits | 52.7968% | 5,914 |
| Net loans and leases to core deposits | 55.9580% | 5,907 |
| Total domestic deposits to total assets | 85.9797% | 3,537 |
| Equity capital to assets | 12.0323% | 2,015 |
| Core capital (leverage) ratio | 11.1632% | 2,139 |
| Tier 1 risk-based capital ratio | 19.5450% | 1,826 |
| Total risk-based capital ratio | 20.5283% | 1,876 |
| Memoranda: | ||
| Average total assets | $157,325,000 | 3,738 |
| Average earning assets | $149,046,000 | 3,639 |
| Average equity | $19,042,000 | 3,342 |
| Average total loans | $73,107,000 | 4,344 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4873% | 5,130 |
| Cost of funding earning assets | 0.7961% | 4,899 |
| Net interest margin | 3.6912% | 4,337 |
| Noninterest income to average assets | 0.5721% | 3,350 |
| Noninterest expense to average assets | 2.7188% | 4,676 |
| Loan and lease loss provision to assets | 0.0490% | 5,973 |
| Net operating income to assets | 1.2919% | 1,269 |
| Return on assets (ROA) | 1.4442% | 1,016 |
| Pretax return on assets | 1.4442% | 1,643 |
| Return on Equity (ROE) | 11.7737% | 1,473 |
| Retained earnings to average equity (ytd only) | 3.7518% | 3,549 |
| Net charge-offs to loans | 0.0383% | 5,930 |
| Credit loss provision to net charge-offs | 274.0741% | 871 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 401 |
| Efficiency ratio | 66.9711% | 4,581 |
| Assets per employee ($millions) | 3.1467% | 5,815 |
| Cash dividends to net income (ytd only)* | 68.1339% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 5,324 |
| Loan loss allowance to noncurrent loans | 181.8182% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 6,193 |
| Noncurrent loans to loans | 0.6678% | 5,370 |
| Net loans and leases to total assets | 46.4369% | 5,975 |
| Net loans and leases to deposits | 54.1304% | 6,055 |
| Net loans and leases to core deposits | 57.1058% | 6,068 |
| Total domestic deposits to total assets | 85.7870% | 3,437 |
| Equity capital to assets | 12.1778% | 1,989 |
| Core capital (leverage) ratio | 11.0986% | 2,193 |
| Tier 1 risk-based capital ratio | 19.2890% | 1,821 |
| Total risk-based capital ratio | 20.2753% | 1,843 |
| Memoranda: | ||
| Average total assets | $151,022,800 | 3,781 |
| Average earning assets | $142,692,200 | 3,698 |
| Average equity | $18,524,400 | 3,357 |
| Average total loans | $70,566,400 | 4,469 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4901% | 5,280 |
| Cost of funding earning assets | 0.8249% | 4,977 |
| Net interest margin | 3.6652% | 4,501 |
| Noninterest income to average assets | 0.5769% | 3,325 |
| Noninterest expense to average assets | 2.7637% | 4,486 |
| Loan and lease loss provision to assets | 0.0417% | 5,912 |
| Net operating income to assets | 1.2336% | 1,563 |
| Return on assets (ROA) | 1.4378% | 1,155 |
| Pretax return on assets | 1.4378% | 1,823 |
| Return on Equity (ROE) | 11.6999% | 1,622 |
| Retained earnings to average equity (ytd only) | 4.4128% | 3,587 |
| Net charge-offs to loans | 0.0304% | 5,719 |
| Credit loss provision to net charge-offs | 293.7500% | 975 |
| Earnings coverage of net charge-offs (x) | 89.8242% | 400 |
| Efficiency ratio | 68.4245% | 4,232 |
| Assets per employee ($millions) | 3.4044% | 5,239 |
| Cash dividends to net income (ytd only)* | 62.2838% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 5,447 |
| Loan loss allowance to noncurrent loans | 191.7960% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.2944% | 6,321 |
| Noncurrent loans to loans | 0.6275% | 5,632 |
| Net loans and leases to total assets | 46.3472% | 6,113 |
| Net loans and leases to deposits | 54.2091% | 6,197 |
| Net loans and leases to core deposits | 57.2168% | 6,205 |
| Total domestic deposits to total assets | 85.4970% | 3,497 |
| Equity capital to assets | 12.3894% | 1,976 |
| Core capital (leverage) ratio | 11.1547% | 2,279 |
| Tier 1 risk-based capital ratio | 19.4393% | 1,830 |
| Total risk-based capital ratio | 20.4211% | 1,850 |
| Memoranda: | ||
| Average total assets | $150,231,000 | 3,821 |
| Average earning assets | $141,908,250 | 3,733 |
| Average equity | $18,461,250 | 3,361 |
| Average total loans | $70,087,750 | 4,522 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5051% | 5,337 |
| Cost of funding earning assets | 0.8533% | 5,039 |
| Net interest margin | 3.6518% | 4,516 |
| Noninterest income to average assets | 0.5749% | 3,299 |
| Noninterest expense to average assets | 2.7686% | 4,551 |
| Loan and lease loss provision to assets | 0.0415% | 5,787 |
| Net operating income to assets | 1.2114% | 1,537 |
| Return on assets (ROA) | 1.5197% | 909 |
| Pretax return on assets | 1.5197% | 1,469 |
| Return on Equity (ROE) | 12.4014% | 1,377 |
| Retained earnings to average equity (ytd only) | 5.8617% | 2,511 |
| Net charge-offs to loans | 0.0345% | 5,371 |
| Credit loss provision to net charge-offs | 258.3333% | 1,175 |
| Earnings coverage of net charge-offs (x) | 77.9167% | 436 |
| Efficiency ratio | 68.8437% | 4,359 |
| Assets per employee ($millions) | 3.1581% | 5,735 |
| Cash dividends to net income (ytd only)* | 52.7337% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 5,572 |
| Loan loss allowance to noncurrent loans | 277.5244% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2025% | 6,603 |
| Noncurrent loans to loans | 0.4301% | 6,043 |
| Net loans and leases to total assets | 46.5218% | 6,213 |
| Net loans and leases to deposits | 54.3364% | 6,286 |
| Net loans and leases to core deposits | 58.1310% | 6,261 |
| Total domestic deposits to total assets | 85.6182% | 3,549 |
| Equity capital to assets | 12.2313% | 1,947 |
| Core capital (leverage) ratio | 11.1921% | 2,119 |
| Tier 1 risk-based capital ratio | 19.4280% | 1,729 |
| Total risk-based capital ratio | 20.3988% | 1,762 |
| Memoranda: | ||
| Average total assets | $149,242,670 | 3,862 |
| Average earning assets | $140,861,330 | 3,778 |
| Average equity | $18,288,330 | 3,374 |
| Average total loans | $69,494,670 | 4,594 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5015% | 5,335 |
| Cost of funding earning assets | 0.8894% | 5,000 |
| Net interest margin | 3.6121% | 4,515 |
| Noninterest income to average assets | 0.6024% | 3,145 |
| Noninterest expense to average assets | 2.7717% | 4,555 |
| Loan and lease loss provision to assets | 0.0405% | 5,487 |
| Net operating income to assets | 1.2021% | 1,516 |
| Return on assets (ROA) | 1.5695% | 781 |
| Pretax return on assets | 1.5695% | 1,255 |
| Return on Equity (ROE) | 12.7959% | 1,247 |
| Retained earnings to average equity (ytd only) | 12.7959% | 620 |
| Net charge-offs to loans | 0.0759% | 4,179 |
| Credit loss provision to net charge-offs | 115.3846% | 2,334 |
| Earnings coverage of net charge-offs (x) | 35.3846% | 740 |
| Efficiency ratio | 69.0444% | 4,468 |
| Assets per employee ($millions) | 3.1274% | 5,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 5,468 |
| Loan loss allowance to noncurrent loans | 265.9236% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2092% | 6,642 |
| Noncurrent loans to loans | 0.4635% | 6,088 |
| Net loans and leases to total assets | 44.5738% | 6,419 |
| Net loans and leases to deposits | 52.0979% | 6,471 |
| Net loans and leases to core deposits | 55.8923% | 6,419 |
| Total domestic deposits to total assets | 85.5577% | 3,752 |
| Equity capital to assets | 12.2952% | 1,739 |
| Core capital (leverage) ratio | 11.4228% | 1,893 |
| Tier 1 risk-based capital ratio | 20.1260% | 1,567 |
| Total risk-based capital ratio | 21.1090% | 1,585 |
| Memoranda: | ||
| Average total assets | $148,070,500 | 3,907 |
| Average earning assets | $139,864,000 | 3,824 |
| Average equity | $18,162,000 | 3,376 |
| Average total loans | $68,555,500 | 4,666 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8994% | 5,035 |
| Cost of funding earning assets | 1.0811% | 5,250 |
| Net interest margin | 3.8183% | 3,876 |
| Noninterest income to average assets | 0.6157% | 3,375 |
| Noninterest expense to average assets | 2.8072% | 4,577 |
| Loan and lease loss provision to assets | 0.0508% | 6,650 |
| Net operating income to assets | 1.3893% | 970 |
| Return on assets (ROA) | 1.4756% | 868 |
| Pretax return on assets | 1.4756% | 1,437 |
| Return on Equity (ROE) | 11.8901% | 1,336 |
| Retained earnings to average equity (ytd only) | 3.8456% | 3,170 |
| Net charge-offs to loans | 0.0338% | 6,463 |
| Credit loss provision to net charge-offs | 317.3913% | 822 |
| Earnings coverage of net charge-offs (x) | 90.0000% | 274 |
| Efficiency ratio | 66.0934% | 4,954 |
| Assets per employee ($millions) | 2.8082% | 6,515 |
| Cash dividends to net income (ytd only)* | 67.6568% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 5,507 |
| Loan loss allowance to noncurrent loans | 175.0000% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.3260% | 6,435 |
| Noncurrent loans to loans | 0.6862% | 5,673 |
| Net loans and leases to total assets | 46.9307% | 6,483 |
| Net loans and leases to deposits | 54.8292% | 6,533 |
| Net loans and leases to core deposits | 58.6683% | 6,502 |
| Total domestic deposits to total assets | 85.5943% | 3,558 |
| Equity capital to assets | 12.2355% | 1,773 |
| Core capital (leverage) ratio | 11.1578% | 2,042 |
| Tier 1 risk-based capital ratio | 19.2433% | 1,658 |
| Total risk-based capital ratio | 20.2139% | 1,695 |
| Memoranda: | ||
| Average total assets | $143,738,600 | 3,990 |
| Average earning assets | $136,711,200 | 3,883 |
| Average equity | $17,838,400 | 3,450 |
| Average total loans | $67,992,600 | 4,751 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8822% | 5,344 |
| Cost of funding earning assets | 1.1209% | 5,314 |
| Net interest margin | 3.7613% | 4,131 |
| Noninterest income to average assets | 0.6240% | 3,287 |
| Noninterest expense to average assets | 2.8386% | 4,319 |
| Loan and lease loss provision to assets | 0.0540% | 6,530 |
| Net operating income to assets | 1.3159% | 1,308 |
| Return on assets (ROA) | 1.4286% | 1,125 |
| Pretax return on assets | 1.4286% | 1,797 |
| Return on Equity (ROE) | 11.4702% | 1,653 |
| Retained earnings to average equity (ytd only) | 4.3069% | 3,468 |
| Net charge-offs to loans | 0.0394% | 6,162 |
| Credit loss provision to net charge-offs | 290.0000% | 1,109 |
| Earnings coverage of net charge-offs (x) | 73.5388% | 411 |
| Efficiency ratio | 67.4486% | 4,572 |
| Assets per employee ($millions) | 2.9629% | 6,239 |
| Cash dividends to net income (ytd only)* | 62.4511% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 5,295 |
| Loan loss allowance to noncurrent loans | 171.3987% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.3299% | 6,556 |
| Noncurrent loans to loans | 0.7226% | 5,765 |
| Net loans and leases to total assets | 45.0917% | 6,766 |
| Net loans and leases to deposits | 52.9768% | 6,835 |
| Net loans and leases to core deposits | 56.4831% | 6,830 |
| Total domestic deposits to total assets | 85.1159% | 3,562 |
| Equity capital to assets | 12.6235% | 1,794 |
| Core capital (leverage) ratio | 11.1643% | 2,147 |
| Tier 1 risk-based capital ratio | 19.5328% | 1,637 |
| Total risk-based capital ratio | 20.5103% | 1,663 |
| Memoranda: | ||
| Average total assets | $143,166,750 | 4,052 |
| Average earning assets | $136,437,750 | 3,933 |
| Average equity | $17,831,250 | 3,500 |
| Average total loans | $67,649,750 | 4,842 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8975% | 5,397 |
| Cost of funding earning assets | 1.1502% | 5,403 |
| Net interest margin | 3.7473% | 4,145 |
| Noninterest income to average assets | 0.6386% | 3,070 |
| Noninterest expense to average assets | 2.8492% | 4,267 |
| Loan and lease loss provision to assets | 0.0604% | 6,347 |
| Net operating income to assets | 1.3095% | 1,283 |
| Return on assets (ROA) | 1.4794% | 1,007 |
| Pretax return on assets | 1.4794% | 1,617 |
| Return on Equity (ROE) | 11.9325% | 1,473 |
| Retained earnings to average equity (ytd only) | 5.0719% | 2,865 |
| Net charge-offs to loans | 0.0587% | 5,569 |
| Credit loss provision to net charge-offs | 215.0000% | 1,813 |
| Earnings coverage of net charge-offs (x) | 48.8000% | 604 |
| Efficiency ratio | 67.5316% | 4,669 |
| Assets per employee ($millions) | 2.9686% | 6,202 |
| Cash dividends to net income (ytd only)* | 57.4953% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 5,605 |
| Loan loss allowance to noncurrent loans | 166.1856% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.3334% | 6,590 |
| Noncurrent loans to loans | 0.7041% | 5,837 |
| Net loans and leases to total assets | 46.7978% | 6,723 |
| Net loans and leases to deposits | 54.8034% | 6,809 |
| Net loans and leases to core deposits | 58.4047% | 6,802 |
| Total domestic deposits to total assets | 85.3921% | 3,424 |
| Equity capital to assets | 12.3489% | 1,895 |
| Core capital (leverage) ratio | 11.2927% | 2,038 |
| Tier 1 risk-based capital ratio | 19.2762% | 1,659 |
| Total risk-based capital ratio | 20.2307% | 1,691 |
| Memoranda: | ||
| Average total assets | $142,495,000 | 4,084 |
| Average earning assets | $136,151,330 | 3,969 |
| Average equity | $17,666,000 | 3,518 |
| Average total loans | $68,104,330 | 4,859 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8617% | 5,636 |
| Cost of funding earning assets | 1.1984% | 5,415 |
| Net interest margin | 3.6634% | 4,422 |
| Noninterest income to average assets | 0.6638% | 2,862 |
| Noninterest expense to average assets | 2.8764% | 4,156 |
| Loan and lease loss provision to assets | 0.0738% | 5,900 |
| Net operating income to assets | 1.2169% | 1,492 |
| Return on assets (ROA) | 1.5602% | 868 |
| Pretax return on assets | 1.5602% | 1,363 |
| Return on Equity (ROE) | 12.5589% | 1,357 |
| Retained earnings to average equity (ytd only) | 12.5589% | 675 |
| Net charge-offs to loans | 0.1063% | 4,362 |
| Credit loss provision to net charge-offs | 144.4444% | 2,463 |
| Earnings coverage of net charge-offs (x) | 25.2778% | 985 |
| Efficiency ratio | 69.0265% | 4,504 |
| Assets per employee ($millions) | 2.8592% | 6,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1744% | 5,635 |
| Loan loss allowance to noncurrent loans | 154.4922% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.3581% | 6,580 |
| Noncurrent loans to loans | 0.7602% | 5,802 |
| Net loans and leases to total assets | 46.5585% | 6,787 |
| Net loans and leases to deposits | 54.5578% | 6,881 |
| Net loans and leases to core deposits | 58.0539% | 6,878 |
| Total domestic deposits to total assets | 85.3379% | 3,489 |
| Equity capital to assets | 12.4007% | 1,811 |
| Core capital (leverage) ratio | 11.3851% | 1,975 |
| Tier 1 risk-based capital ratio | 19.6561% | 1,595 |
| Total risk-based capital ratio | 20.6053% | 1,618 |
| Memoranda: | ||
| Average total assets | $141,011,500 | 4,175 |
| Average earning assets | $134,849,000 | 4,061 |
| Average equity | $17,517,500 | 3,564 |
| Average total loans | $67,717,000 | 4,941 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4772% | 4,281 |
| Cost of funding earning assets | 1.4815% | 5,587 |
| Net interest margin | 3.9957% | 2,879 |
| Noninterest income to average assets | 0.7477% | 2,694 |
| Noninterest expense to average assets | 3.0158% | 4,092 |
| Loan and lease loss provision to assets | 0.0745% | 6,841 |
| Net operating income to assets | 1.4460% | 771 |
| Return on assets (ROA) | 1.5876% | 601 |
| Pretax return on assets | 1.5876% | 987 |
| Return on Equity (ROE) | 12.7458% | 1,017 |
| Retained earnings to average equity (ytd only) | 4.2920% | 2,220 |
| Net charge-offs to loans | 0.0030% | 7,208 |
| Credit loss provision to net charge-offs | 5,050.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 1,031.0000% | 23 |
| Efficiency ratio | 66.4824% | 5,292 |
| Assets per employee ($millions) | 2.7813% | 6,692 |
| Cash dividends to net income (ytd only)* | 66.3261% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1501% | 5,640 |
| Loan loss allowance to noncurrent loans | 158.5020% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.3552% | 6,558 |
| Noncurrent loans to loans | 0.7256% | 5,806 |
| Net loans and leases to total assets | 48.3953% | 6,781 |
| Net loans and leases to deposits | 56.7564% | 6,872 |
| Net loans and leases to core deposits | 70.9631% | 6,711 |
| Total domestic deposits to total assets | 85.2685% | 3,425 |
| Equity capital to assets | 12.4454% | 1,775 |
| Core capital (leverage) ratio | 11.1790% | 2,122 |
| Tier 1 risk-based capital ratio | 19.1197% | 1,631 |
| Total risk-based capital ratio | 20.0655% | 1,657 |
| Memoranda: | ||
| Average total assets | $135,617,400 | 4,224 |
| Average earning assets | $128,588,600 | 4,121 |
| Average equity | $16,891,800 | 3,693 |
| Average total loans | $65,829,000 | 5,028 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5344% | 4,245 |
| Cost of funding earning assets | 1.5208% | 5,744 |
| Net interest margin | 4.0136% | 2,751 |
| Noninterest income to average assets | 0.7539% | 2,689 |
| Noninterest expense to average assets | 3.0543% | 3,826 |
| Loan and lease loss provision to assets | 0.0534% | 6,843 |
| Net operating income to assets | 1.4455% | 930 |
| Return on assets (ROA) | 1.6276% | 680 |
| Pretax return on assets | 1.6276% | 1,118 |
| Return on Equity (ROE) | 13.0646% | 1,104 |
| Retained earnings to average equity (ytd only) | 4.3125% | 2,859 |
| Net charge-offs to loans | -0.0184% | 7,753 |
| Credit loss provision to net charge-offs | -600.0000% | 7,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0795% | 5,165 |
| Assets per employee ($millions) | 2.7774% | 6,688 |
| Cash dividends to net income (ytd only)* | 66.9910% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 5,784 |
| Loan loss allowance to noncurrent loans | 739.6040% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 7,378 |
| Noncurrent loans to loans | 0.1476% | 7,109 |
| Net loans and leases to total assets | 48.7449% | 6,889 |
| Net loans and leases to deposits | 57.1979% | 7,015 |
| Net loans and leases to core deposits | 69.7719% | 6,978 |
| Total domestic deposits to total assets | 85.2214% | 3,115 |
| Equity capital to assets | 12.3979% | 2,006 |
| Core capital (leverage) ratio | 11.3285% | 2,173 |
| Tier 1 risk-based capital ratio | 17.0605% | 2,257 |
| Total risk-based capital ratio | 17.8749% | 2,336 |
| Memoranda: | ||
| Average total assets | $134,756,000 | 4,261 |
| Average earning assets | $127,561,500 | 4,166 |
| Average equity | $16,788,000 | 3,750 |
| Average total loans | $65,265,500 | 5,096 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5759% | 4,185 |
| Cost of funding earning assets | 1.5552% | 5,902 |
| Net interest margin | 4.0207% | 2,612 |
| Noninterest income to average assets | 0.7422% | 2,745 |
| Noninterest expense to average assets | 3.0783% | 3,782 |
| Loan and lease loss provision to assets | 0.0525% | 6,702 |
| Net operating income to assets | 1.4065% | 1,017 |
| Return on assets (ROA) | 1.6494% | 683 |
| Pretax return on assets | 1.6494% | 1,113 |
| Return on Equity (ROE) | 13.2172% | 1,142 |
| Retained earnings to average equity (ytd only) | 4.4338% | 2,826 |
| Net charge-offs to loans | -0.0467% | 7,836 |
| Credit loss provision to net charge-offs | -233.3333% | 6,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8453% | 5,180 |
| Assets per employee ($millions) | 2.7059% | 6,814 |
| Cash dividends to net income (ytd only)* | 66.4545% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1160% | 5,486 |
| Loan loss allowance to noncurrent loans | 73,400.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.1316% | 7,231 |
| Noncurrent loans to loans | 0.0015% | 7,576 |
| Net loans and leases to total assets | 48.0694% | 7,026 |
| Net loans and leases to deposits | 56.2527% | 7,148 |
| Net loans and leases to core deposits | 68.2671% | 7,104 |
| Total domestic deposits to total assets | 85.4526% | 3,041 |
| Equity capital to assets | 12.0543% | 2,174 |
| Core capital (leverage) ratio | 11.6654% | 1,994 |
| Tier 1 risk-based capital ratio | 19.5494% | 1,666 |
| Total risk-based capital ratio | 20.4769% | 1,688 |
| Memoranda: | ||
| Average total assets | $133,384,670 | 4,320 |
| Average earning assets | $125,898,330 | 4,228 |
| Average equity | $16,645,000 | 3,785 |
| Average total loans | $64,207,670 | 5,170 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4946% | 4,941 |
| Cost of funding earning assets | 1.6551% | 5,794 |
| Net interest margin | 3.8395% | 3,300 |
| Noninterest income to average assets | 0.7430% | 2,642 |
| Noninterest expense to average assets | 2.9571% | 3,949 |
| Loan and lease loss provision to assets | 0.0544% | 6,286 |
| Net operating income to assets | 1.3683% | 1,212 |
| Return on assets (ROA) | 1.7217% | 681 |
| Pretax return on assets | 1.7217% | 1,136 |
| Return on Equity (ROE) | 13.5609% | 1,254 |
| Retained earnings to average equity (ytd only) | 13.5609% | 559 |
| Net charge-offs to loans | -0.1829% | 7,998 |
| Credit loss provision to net charge-offs | -62.0690% | 6,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5172% | 5,049 |
| Assets per employee ($millions) | 2.7139% | 6,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 5,301 |
| Loan loss allowance to noncurrent loans | 382.7225% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 7,142 |
| Noncurrent loans to loans | 0.2936% | 6,708 |
| Net loans and leases to total assets | 48.3720% | 6,993 |
| Net loans and leases to deposits | 57.0924% | 7,097 |
| Net loans and leases to core deposits | 68.8944% | 7,085 |
| Total domestic deposits to total assets | 84.7258% | 3,340 |
| Equity capital to assets | 12.8386% | 1,812 |
| Core capital (leverage) ratio | 11.7917% | 2,005 |
| Tier 1 risk-based capital ratio | 20.0758% | 1,609 |
| Total risk-based capital ratio | 21.0122% | 1,617 |
| Memoranda: | ||
| Average total assets | $132,429,000 | 4,365 |
| Average earning assets | $125,432,500 | 4,256 |
| Average equity | $16,813,000 | 3,763 |
| Average total loans | $63,426,500 | 5,233 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2719% | 4,111 |
| Cost of funding earning assets | 2.1585% | 5,784 |
| Net interest margin | 4.1134% | 2,653 |
| Noninterest income to average assets | 0.8151% | 2,429 |
| Noninterest expense to average assets | 2.9206% | 4,377 |
| Loan and lease loss provision to assets | 0.0548% | 6,727 |
| Net operating income to assets | 1.6984% | 679 |
| Return on assets (ROA) | 1.8017% | 530 |
| Pretax return on assets | 1.8017% | 941 |
| Return on Equity (ROE) | 15.1419% | 903 |
| Retained earnings to average equity (ytd only) | 6.1463% | 1,469 |
| Net charge-offs to loans | 0.2843% | 3,505 |
| Credit loss provision to net charge-offs | 38.8889% | 6,461 |
| Earnings coverage of net charge-offs (x) | 12.4389% | 2,242 |
| Efficiency ratio | 62.4895% | 5,861 |
| Assets per employee ($millions) | 2.6913% | 6,807 |
| Cash dividends to net income (ytd only)* | 59.4090% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1085% | 5,211 |
| Loan loss allowance to noncurrent loans | 2,978.2609% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.5482% | 5,534 |
| Noncurrent loans to loans | 0.0372% | 7,356 |
| Net loans and leases to total assets | 46.3397% | 7,297 |
| Net loans and leases to deposits | 57.0395% | 7,261 |
| Net loans and leases to core deposits | 67.9713% | 7,286 |
| Total domestic deposits to total assets | 81.2415% | 4,535 |
| Equity capital to assets | 12.5519% | 1,983 |
| Core capital (leverage) ratio | 11.5625% | 2,213 |
| Tier 1 risk-based capital ratio | 19.5640% | 1,692 |
| Total risk-based capital ratio | 20.4513% | 1,722 |
| Memoranda: | ||
| Average total assets | $127,712,000 | 4,330 |
| Average earning assets | $119,804,200 | 4,264 |
| Average equity | $15,196,200 | 4,100 |
| Average total loans | $63,308,600 | 5,131 |