Home > Sound Community Bank > Performance and Condition Ratios
Sound Community 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 | 5.3708% | 1,359 |
| Cost of funding earning assets | 1.7042% | 1,444 |
| Net interest margin | 3.6666% | 1,819 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.9308% | 1,216 |
| Loan and lease loss provision to assets | -0.0300% | 4,371 |
| Net operating income to assets | 0.8514% | 2,700 |
| Return on assets (ROA) | 0.8514% | 2,677 |
| Pretax return on assets | 1.0355% | 2,573 |
| Return on Equity (ROE) | 7.7500% | 3,091 |
| Retained earnings to average equity (ytd only) | 5.2390% | 2,513 |
| Net charge-offs to loans | 0.0187% | 1,984 |
| Credit loss provision to net charge-offs | 346.0123% | 860 |
| Earnings coverage of net charge-offs (x) | 62.0736% | 1,171 |
| Efficiency ratio | 74.4023% | 1,414 |
| Assets per employee ($millions) | 7.2129% | 1,927 |
| Cash dividends to net income (ytd only)* | 32.4359% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 3,419 |
| Loan loss allowance to noncurrent loans | 246.8301% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.4143% | 1,344 |
| Noncurrent loans to loans | 0.3965% | 1,794 |
| Net loans and leases to total assets | 89.0400% | 56 |
| Net loans and leases to deposits | 106.7837% | 267 |
| Net loans and leases to core deposits | 120.3133% | 613 |
| Total domestic deposits to total assets | 83.3900% | 2,784 |
| Equity capital to assets | 11.3193% | 1,366 |
| Core capital (leverage) ratio | 10.9946% | 1,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,003,443,800 | 983 |
| Average earning assets | $944,008,200 | 960 |
| Average equity | $110,174,200 | 886 |
| Average total loans | $873,350,200 | 809 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2644% | 1,334 |
| Cost of funding earning assets | 1.4784% | 1,670 |
| Net interest margin | 3.7860% | 1,632 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.9538% | 1,132 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 0.9371% | 2,559 |
| Return on assets (ROA) | 0.9371% | 2,547 |
| Pretax return on assets | 1.1539% | 2,406 |
| Return on Equity (ROE) | 8.6000% | 3,031 |
| Retained earnings to average equity (ytd only) | 6.1389% | 2,590 |
| Net charge-offs to loans | 0.0226% | 1,638 |
| Credit loss provision to net charge-offs | 153.7415% | 1,308 |
| Earnings coverage of net charge-offs (x) | 57.5170% | 1,227 |
| Efficiency ratio | 72.4862% | 1,516 |
| Assets per employee ($millions) | 7.3578% | 1,720 |
| Cash dividends to net income (ytd only)* | 28.6260% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9626% | 3,525 |
| Loan loss allowance to noncurrent loans | 479.1596% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.2268% | 2,124 |
| Noncurrent loans to loans | 0.2009% | 2,554 |
| Net loans and leases to total assets | 84.2800% | 260 |
| Net loans and leases to deposits | 100.4423% | 492 |
| Net loans and leases to core deposits | 111.7430% | 806 |
| Total domestic deposits to total assets | 83.9100% | 2,803 |
| Equity capital to assets | 10.8252% | 1,420 |
| Core capital (leverage) ratio | 11.2314% | 1,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,005,461,000 | 980 |
| Average earning assets | $945,702,000 | 957 |
| Average equity | $109,550,500 | 886 |
| Average total loans | $867,918,000 | 812 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2550% | 1,140 |
| Cost of funding earning assets | 1.3087% | 1,683 |
| Net interest margin | 3.9463% | 1,336 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.9555% | 1,119 |
| Loan and lease loss provision to assets | -0.0600% | 4,518 |
| Net operating income to assets | 1.1291% | 2,037 |
| Return on assets (ROA) | 1.1291% | 2,034 |
| Pretax return on assets | 1.3834% | 1,856 |
| Return on Equity (ROE) | 10.3400% | 2,616 |
| Retained earnings to average equity (ytd only) | 8.4575% | 1,827 |
| Net charge-offs to loans | 0.0335% | 1,227 |
| Credit loss provision to net charge-offs | 2.0690% | 1,814 |
| Earnings coverage of net charge-offs (x) | 45.3586% | 1,337 |
| Efficiency ratio | 69.1423% | 1,849 |
| Assets per employee ($millions) | 7.5441% | 1,581 |
| Cash dividends to net income (ytd only)* | 18.2060% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9586% | 3,578 |
| Loan loss allowance to noncurrent loans | 543.8120% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.2063% | 2,160 |
| Noncurrent loans to loans | 0.1763% | 2,597 |
| Net loans and leases to total assets | 83.9800% | 273 |
| Net loans and leases to deposits | 102.8176% | 405 |
| Net loans and leases to core deposits | 113.9056% | 686 |
| Total domestic deposits to total assets | 81.6800% | 3,295 |
| Equity capital to assets | 11.0025% | 1,387 |
| Core capital (leverage) ratio | 11.3149% | 1,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $997,250,667 | 977 |
| Average earning assets | $937,434,667 | 956 |
| Average equity | $108,897,333 | 881 |
| Average total loans | $865,028,333 | 800 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2420% | 903 |
| Cost of funding earning assets | 1.1328% | 1,656 |
| Net interest margin | 4.1093% | 1,083 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 3.0129% | 1,041 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9818% | 2,586 |
| Return on assets (ROA) | 0.9818% | 2,559 |
| Pretax return on assets | 1.2286% | 2,356 |
| Return on Equity (ROE) | 9.0300% | 3,040 |
| Retained earnings to average equity (ytd only) | 5.2240% | 2,967 |
| Net charge-offs to loans | 0.0331% | 1,052 |
| Credit loss provision to net charge-offs | 340.2778% | 650 |
| Earnings coverage of net charge-offs (x) | 42.3889% | 1,167 |
| Efficiency ratio | 70.9665% | 1,645 |
| Assets per employee ($millions) | 7.4950% | 1,623 |
| Cash dividends to net income (ytd only)* | 42.1226% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9785% | 3,606 |
| Loan loss allowance to noncurrent loans | 658.3333% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.1863% | 2,216 |
| Noncurrent loans to loans | 0.1486% | 2,749 |
| Net loans and leases to total assets | 85.9700% | 134 |
| Net loans and leases to deposits | 101.8425% | 364 |
| Net loans and leases to core deposits | 112.7656% | 623 |
| Total domestic deposits to total assets | 84.4100% | 2,992 |
| Equity capital to assets | 10.7534% | 1,430 |
| Core capital (leverage) ratio | 10.9441% | 1,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $990,424,000 | 1,000 |
| Average earning assets | $930,478,500 | 979 |
| Average equity | $107,733,500 | 897 |
| Average total loans | $868,970,000 | 817 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4433% | 811 |
| Cost of funding earning assets | 0.4262% | 1,893 |
| Net interest margin | 4.0171% | 771 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.8336% | 1,252 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.0351% | 2,438 |
| Return on assets (ROA) | 1.0351% | 2,376 |
| Pretax return on assets | 1.2841% | 2,144 |
| Return on Equity (ROE) | 9.5200% | 2,963 |
| Retained earnings to average equity (ytd only) | 6.9973% | 2,245 |
| Net charge-offs to loans | -0.0088% | 3,776 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.7365% | 2,117 |
| Assets per employee ($millions) | 7.0762% | 1,914 |
| Cash dividends to net income (ytd only)* | 26.5352% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8775% | 3,847 |
| Loan loss allowance to noncurrent loans | 258.2937% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.3688% | 1,391 |
| Noncurrent loans to loans | 0.3397% | 1,934 |
| Net loans and leases to total assets | 87.9000% | 74 |
| Net loans and leases to deposits | 105.5138% | 256 |
| Net loans and leases to core deposits | 113.3254% | 504 |
| Total domestic deposits to total assets | 83.3100% | 3,353 |
| Equity capital to assets | 11.0051% | 1,256 |
| Core capital (leverage) ratio | 10.8251% | 1,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $954,992,600 | 1,025 |
| Average earning assets | $898,201,200 | 1,002 |
| Average equity | $103,783,200 | 920 |
| Average total loans | $785,157,400 | 829 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1847% | 914 |
| Cost of funding earning assets | 0.2781% | 2,404 |
| Net interest margin | 3.9066% | 796 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.8377% | 1,176 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 0.9281% | 2,765 |
| Return on assets (ROA) | 0.9281% | 2,732 |
| Pretax return on assets | 1.1742% | 2,472 |
| Return on Equity (ROE) | 8.5700% | 3,156 |
| Retained earnings to average equity (ytd only) | 5.3015% | 2,997 |
| Net charge-offs to loans | -0.0145% | 3,863 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.1101% | 1,999 |
| Assets per employee ($millions) | 6.9183% | 2,006 |
| Cash dividends to net income (ytd only)* | 38.1241% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8775% | 3,921 |
| Loan loss allowance to noncurrent loans | 293.5319% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.3268% | 1,634 |
| Noncurrent loans to loans | 0.2989% | 2,169 |
| Net loans and leases to total assets | 86.1000% | 114 |
| Net loans and leases to deposits | 102.8672% | 270 |
| Net loans and leases to core deposits | 107.7582% | 540 |
| Total domestic deposits to total assets | 83.7000% | 3,559 |
| Equity capital to assets | 10.5922% | 1,338 |
| Core capital (leverage) ratio | 10.7874% | 1,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $949,611,750 | 1,037 |
| Average earning assets | $893,542,500 | 1,011 |
| Average equity | $102,862,250 | 940 |
| Average total loans | $764,951,500 | 838 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9025% | 1,109 |
| Cost of funding earning assets | 0.1933% | 3,007 |
| Net interest margin | 3.7092% | 899 |
| Noninterest income to average assets | 0.5322% | 2,032 |
| Noninterest expense to average assets | 2.8395% | 1,101 |
| Loan and lease loss provision to assets | 0.1545% | 607 |
| Net operating income to assets | 0.8126% | 2,912 |
| Return on assets (ROA) | 0.8126% | 2,881 |
| Pretax return on assets | 1.0300% | 2,633 |
| Return on Equity (ROE) | 7.4446% | 3,175 |
| Retained earnings to average equity (ytd only) | 7.2045% | 1,916 |
| Net charge-offs to loans | -0.0234% | 3,947 |
| Credit loss provision to net charge-offs | -843.0233% | 3,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5655% | 1,877 |
| Assets per employee ($millions) | 7.2097% | 1,805 |
| Cash dividends to net income (ytd only)* | 3.2250% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8827% | 4,004 |
| Loan loss allowance to noncurrent loans | 155.6430% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.5581% | 1,024 |
| Noncurrent loans to loans | 0.5671% | 1,491 |
| Net loans and leases to total assets | 85.2551% | 119 |
| Net loans and leases to deposits | 101.1412% | 238 |
| Net loans and leases to core deposits | 103.4356% | 534 |
| Total domestic deposits to total assets | 84.2932% | 3,628 |
| Equity capital to assets | 11.0946% | 1,170 |
| Core capital (leverage) ratio | 11.3069% | 1,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $938,683,667 | 1,043 |
| Average earning assets | $883,637,000 | 1,030 |
| Average equity | $102,464,000 | 955 |
| Average total loans | $735,483,667 | 857 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7152% | 1,244 |
| Cost of funding earning assets | 0.1929% | 2,897 |
| Net interest margin | 3.5223% | 1,046 |
| Noninterest income to average assets | 0.6430% | 1,519 |
| Noninterest expense to average assets | 2.8525% | 1,056 |
| Loan and lease loss provision to assets | 0.0532% | 1,427 |
| Net operating income to assets | 0.8359% | 2,534 |
| Return on assets (ROA) | 0.8359% | 2,527 |
| Pretax return on assets | 1.0581% | 2,270 |
| Return on Equity (ROE) | 7.7205% | 2,793 |
| Retained earnings to average equity (ytd only) | 7.2367% | 1,816 |
| Net charge-offs to loans | 0.0131% | 1,287 |
| Credit loss provision to net charge-offs | 543.4783% | 490 |
| Earnings coverage of net charge-offs (x) | 113.4783% | 632 |
| Efficiency ratio | 71.9626% | 1,978 |
| Assets per employee ($millions) | 7.6110% | 1,618 |
| Cash dividends to net income (ytd only)* | 6.2659% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9014% | 4,040 |
| Loan loss allowance to noncurrent loans | 135.3401% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.5624% | 1,068 |
| Noncurrent loans to loans | 0.6660% | 1,424 |
| Net loans and leases to total assets | 73.4496% | 702 |
| Net loans and leases to deposits | 83.5167% | 918 |
| Net loans and leases to core deposits | 85.3611% | 1,167 |
| Total domestic deposits to total assets | 87.9460% | 2,546 |
| Equity capital to assets | 10.6801% | 1,502 |
| Core capital (leverage) ratio | 10.9663% | 1,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $939,395,500 | 1,047 |
| Average earning assets | $885,662,000 | 1,031 |
| Average equity | $101,703,500 | 978 |
| Average total loans | $700,136,500 | 877 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9398% | 1,517 |
| Cost of funding earning assets | 0.3797% | 1,686 |
| Net interest margin | 3.5601% | 1,576 |
| Noninterest income to average assets | 0.7826% | 1,498 |
| Noninterest expense to average assets | 2.7186% | 1,579 |
| Loan and lease loss provision to assets | 0.0465% | 2,130 |
| Net operating income to assets | 1.1075% | 2,267 |
| Return on assets (ROA) | 1.1075% | 2,328 |
| Pretax return on assets | 1.3841% | 2,100 |
| Return on Equity (ROE) | 10.5450% | 2,330 |
| Retained earnings to average equity (ytd only) | 10.0949% | 894 |
| Net charge-offs to loans | 0.0184% | 1,914 |
| Credit loss provision to net charge-offs | 354.1667% | 984 |
| Earnings coverage of net charge-offs (x) | 108.9583% | 840 |
| Efficiency ratio | 65.5213% | 2,335 |
| Assets per employee ($millions) | 6.7632% | 2,098 |
| Cash dividends to net income (ytd only)* | 4.2679% | 3,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9146% | 4,023 |
| Loan loss allowance to noncurrent loans | 113.9090% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 0.6735% | 957 |
| Noncurrent loans to loans | 0.8029% | 1,272 |
| Net loans and leases to total assets | 74.2754% | 644 |
| Net loans and leases to deposits | 84.8172% | 861 |
| Net loans and leases to core deposits | 86.8752% | 1,145 |
| Total domestic deposits to total assets | 87.5711% | 2,248 |
| Equity capital to assets | 10.9791% | 1,804 |
| Core capital (leverage) ratio | 10.9198% | 1,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $913,959,000 | 1,031 |
| Average earning assets | $864,281,200 | 1,016 |
| Average equity | $95,988,600 | 1,039 |
| Average total loans | $650,858,000 | 935 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9570% | 1,629 |
| Cost of funding earning assets | 0.4335% | 1,462 |
| Net interest margin | 3.5236% | 1,802 |
| Noninterest income to average assets | 0.8378% | 1,418 |
| Noninterest expense to average assets | 2.6336% | 1,742 |
| Loan and lease loss provision to assets | 0.0621% | 1,759 |
| Net operating income to assets | 1.1746% | 2,252 |
| Return on assets (ROA) | 1.1746% | 2,316 |
| Pretax return on assets | 1.4761% | 2,059 |
| Return on Equity (ROE) | 11.3136% | 2,266 |
| Retained earnings to average equity (ytd only) | 11.0518% | 1,056 |
| Net charge-offs to loans | 0.0204% | 1,643 |
| Credit loss provision to net charge-offs | 433.6735% | 826 |
| Earnings coverage of net charge-offs (x) | 107.4184% | 839 |
| Efficiency ratio | 63.1291% | 2,520 |
| Assets per employee ($millions) | 7.3090% | 1,670 |
| Cash dividends to net income (ytd only)* | 2.3137% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9423% | 4,028 |
| Loan loss allowance to noncurrent loans | 206.1584% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.4016% | 1,843 |
| Noncurrent loans to loans | 0.4571% | 2,192 |
| Net loans and leases to total assets | 71.6524% | 903 |
| Net loans and leases to deposits | 81.5884% | 1,150 |
| Net loans and leases to core deposits | 84.2257% | 1,410 |
| Total domestic deposits to total assets | 87.8218% | 1,949 |
| Equity capital to assets | 10.6645% | 2,300 |
| Core capital (leverage) ratio | 10.5616% | 2,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $912,498,750 | 1,046 |
| Average earning assets | $863,387,750 | 1,024 |
| Average equity | $94,739,250 | 1,069 |
| Average total loans | $641,199,750 | 959 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8340% | 1,984 |
| Cost of funding earning assets | 0.5090% | 1,148 |
| Net interest margin | 3.3250% | 2,361 |
| Noninterest income to average assets | 0.9565% | 1,144 |
| Noninterest expense to average assets | 2.6101% | 1,826 |
| Loan and lease loss provision to assets | 0.0551% | 1,931 |
| Net operating income to assets | 1.1487% | 2,374 |
| Return on assets (ROA) | 1.1487% | 2,434 |
| Pretax return on assets | 1.4435% | 2,200 |
| Return on Equity (ROE) | 11.1678% | 2,368 |
| Retained earnings to average equity (ytd only) | 10.7692% | 1,180 |
| Net charge-offs to loans | 0.0295% | 1,368 |
| Credit loss provision to net charge-offs | 268.8172% | 941 |
| Earnings coverage of net charge-offs (x) | 73.0968% | 878 |
| Efficiency ratio | 63.5261% | 2,495 |
| Assets per employee ($millions) | 7.3868% | 1,540 |
| Cash dividends to net income (ytd only)* | 3.5694% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9571% | 3,974 |
| Loan loss allowance to noncurrent loans | 412.6676% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.2330% | 2,762 |
| Noncurrent loans to loans | 0.2319% | 3,122 |
| Net loans and leases to total assets | 69.0044% | 1,328 |
| Net loans and leases to deposits | 78.2686% | 1,589 |
| Net loans and leases to core deposits | 82.8988% | 1,647 |
| Total domestic deposits to total assets | 88.1636% | 1,746 |
| Equity capital to assets | 10.3970% | 2,493 |
| Core capital (leverage) ratio | 10.2789% | 2,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $907,251,000 | 1,043 |
| Average earning assets | $860,103,000 | 1,021 |
| Average equity | $93,321,667 | 1,077 |
| Average total loans | $631,121,333 | 976 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7780% | 2,165 |
| Cost of funding earning assets | 0.6071% | 853 |
| Net interest margin | 3.1709% | 2,785 |
| Noninterest income to average assets | 1.1757% | 882 |
| Noninterest expense to average assets | 2.6784% | 1,674 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1984% | 2,156 |
| Return on assets (ROA) | 1.1984% | 2,231 |
| Pretax return on assets | 1.5062% | 1,973 |
| Return on Equity (ROE) | 11.7153% | 2,120 |
| Retained earnings to average equity (ytd only) | 11.3500% | 1,310 |
| Net charge-offs to loans | 0.0416% | 1,049 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 52.0923% | 879 |
| Efficiency ratio | 64.0055% | 2,464 |
| Assets per employee ($millions) | 7.6786% | 1,354 |
| Cash dividends to net income (ytd only)* | 3.1180% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9495% | 4,020 |
| Loan loss allowance to noncurrent loans | 219.0037% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.3507% | 2,399 |
| Noncurrent loans to loans | 0.4335% | 2,559 |
| Net loans and leases to total assets | 66.0932% | 1,792 |
| Net loans and leases to deposits | 74.7285% | 2,049 |
| Net loans and leases to core deposits | 80.8706% | 1,927 |
| Total domestic deposits to total assets | 88.4444% | 1,638 |
| Equity capital to assets | 9.9699% | 2,730 |
| Core capital (leverage) ratio | 10.3153% | 2,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $899,203,000 | 1,038 |
| Average earning assets | $853,258,500 | 1,020 |
| Average equity | $91,982,500 | 1,083 |
| Average total loans | $625,028,500 | 981 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5903% | 1,112 |
| Cost of funding earning assets | 0.9485% | 719 |
| Net interest margin | 3.6418% | 2,005 |
| Noninterest income to average assets | 0.8917% | 1,287 |
| Noninterest expense to average assets | 2.7226% | 2,166 |
| Loan and lease loss provision to assets | 0.1139% | 2,923 |
| Net operating income to assets | 1.1752% | 1,628 |
| Return on assets (ROA) | 1.1752% | 1,742 |
| Pretax return on assets | 1.4894% | 1,364 |
| Return on Equity (ROE) | 11.6971% | 1,413 |
| Retained earnings to average equity (ytd only) | 11.2802% | 403 |
| Net charge-offs to loans | 0.0861% | 1,603 |
| Credit loss provision to net charge-offs | 163.7168% | 2,349 |
| Earnings coverage of net charge-offs (x) | 23.0372% | 1,820 |
| Efficiency ratio | 62.9364% | 2,987 |
| Assets per employee ($millions) | 7.1801% | 1,458 |
| Cash dividends to net income (ytd only)* | 3.5639% | 3,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9601% | 4,001 |
| Loan loss allowance to noncurrent loans | 208.1888% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.4012% | 2,383 |
| Noncurrent loans to loans | 0.4611% | 2,583 |
| Net loans and leases to total assets | 71.8380% | 1,307 |
| Net loans and leases to deposits | 81.7076% | 1,687 |
| Net loans and leases to core deposits | 91.3440% | 1,437 |
| Total domestic deposits to total assets | 87.9208% | 1,516 |
| Equity capital to assets | 10.5114% | 2,666 |
| Core capital (leverage) ratio | 10.3734% | 2,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $811,783,800 | 1,042 |
| Average earning assets | $765,535,600 | 1,025 |
| Average equity | $81,559,000 | 1,138 |
| Average total loans | $656,155,800 | 911 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6136% | 1,267 |
| Cost of funding earning assets | 0.9841% | 802 |
| Net interest margin | 3.6295% | 2,163 |
| Noninterest income to average assets | 0.6959% | 1,813 |
| Noninterest expense to average assets | 2.7404% | 2,141 |
| Loan and lease loss provision to assets | 0.1543% | 2,470 |
| Net operating income to assets | 0.9715% | 2,446 |
| Return on assets (ROA) | 0.9715% | 2,579 |
| Pretax return on assets | 1.2192% | 2,331 |
| Return on Equity (ROE) | 9.7913% | 2,095 |
| Retained earnings to average equity (ytd only) | 9.7492% | 819 |
| Net charge-offs to loans | 0.1159% | 1,200 |
| Credit loss provision to net charge-offs | 160.3120% | 2,267 |
| Earnings coverage of net charge-offs (x) | 14.2704% | 2,163 |
| Efficiency ratio | 66.6140% | 2,384 |
| Assets per employee ($millions) | 7.1127% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.4293% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8488% | 4,228 |
| Loan loss allowance to noncurrent loans | 180.5790% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.4484% | 2,393 |
| Noncurrent loans to loans | 0.4700% | 2,644 |
| Net loans and leases to total assets | 80.6120% | 554 |
| Net loans and leases to deposits | 92.0998% | 1,061 |
| Net loans and leases to core deposits | 102.7919% | 992 |
| Total domestic deposits to total assets | 87.5268% | 1,431 |
| Equity capital to assets | 10.0037% | 3,219 |
| Core capital (leverage) ratio | 10.4170% | 2,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $799,326,000 | 1,041 |
| Average earning assets | $752,747,000 | 1,026 |
| Average equity | $79,306,750 | 1,159 |
| Average total loans | $663,953,000 | 901 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7825% | 1,215 |
| Cost of funding earning assets | 1.0216% | 924 |
| Net interest margin | 3.7609% | 1,953 |
| Noninterest income to average assets | 0.5599% | 2,301 |
| Noninterest expense to average assets | 2.8174% | 2,055 |
| Loan and lease loss provision to assets | 0.1674% | 2,332 |
| Net operating income to assets | 0.8834% | 2,759 |
| Return on assets (ROA) | 0.8834% | 2,874 |
| Pretax return on assets | 1.1119% | 2,678 |
| Return on Equity (ROE) | 8.9315% | 2,386 |
| Retained earnings to average equity (ytd only) | 8.8404% | 1,053 |
| Net charge-offs to loans | 0.0797% | 1,452 |
| Credit loss provision to net charge-offs | 250.9653% | 1,749 |
| Earnings coverage of net charge-offs (x) | 19.1776% | 1,737 |
| Efficiency ratio | 68.7728% | 2,128 |
| Assets per employee ($millions) | 7.2056% | 1,327 |
| Cash dividends to net income (ytd only)* | 1.0204% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8640% | 4,144 |
| Loan loss allowance to noncurrent loans | 173.2548% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.4652% | 2,461 |
| Noncurrent loans to loans | 0.4987% | 2,658 |
| Net loans and leases to total assets | 79.3726% | 674 |
| Net loans and leases to deposits | 99.0708% | 605 |
| Net loans and leases to core deposits | 111.0531% | 698 |
| Total domestic deposits to total assets | 80.1171% | 3,812 |
| Equity capital to assets | 9.0441% | 4,052 |
| Core capital (leverage) ratio | 9.8901% | 2,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $776,518,667 | 1,049 |
| Average earning assets | $730,243,333 | 1,034 |
| Average equity | $76,806,667 | 1,180 |
| Average total loans | $650,105,000 | 905 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0938% | 804 |
| Cost of funding earning assets | 1.1239% | 976 |
| Net interest margin | 3.9699% | 1,477 |
| Noninterest income to average assets | 0.3633% | 3,338 |
| Noninterest expense to average assets | 3.1623% | 1,504 |
| Loan and lease loss provision to assets | 0.1372% | 2,010 |
| Net operating income to assets | 0.6180% | 3,550 |
| Return on assets (ROA) | 0.6180% | 3,605 |
| Pretax return on assets | 0.7821% | 3,459 |
| Return on Equity (ROE) | 5.9433% | 3,335 |
| Retained earnings to average equity (ytd only) | 5.9063% | 1,910 |
| Net charge-offs to loans | -0.0019% | 3,644 |
| Credit loss provision to net charge-offs | -8,333.3333% | 3,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4775% | 1,402 |
| Assets per employee ($millions) | 6.0977% | 1,597 |
| Cash dividends to net income (ytd only)* | 0.6217% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9335% | 3,991 |
| Loan loss allowance to noncurrent loans | 138.5936% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.6542% | 2,040 |
| Noncurrent loans to loans | 0.6735% | 2,310 |
| Net loans and leases to total assets | 84.7639% | 220 |
| Net loans and leases to deposits | 97.8446% | 733 |
| Net loans and leases to core deposits | 111.3889% | 782 |
| Total domestic deposits to total assets | 86.6312% | 1,724 |
| Equity capital to assets | 10.3582% | 3,464 |
| Core capital (leverage) ratio | 10.4145% | 3,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $728,836,500 | 1,075 |
| Average earning assets | $682,639,000 | 1,063 |
| Average equity | $75,783,000 | 1,190 |
| Average total loans | $626,124,000 | 906 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1811% | 1,035 |
| Cost of funding earning assets | 1.1502% | 1,158 |
| Net interest margin | 4.0309% | 1,745 |
| Noninterest income to average assets | 0.6078% | 2,180 |
| Noninterest expense to average assets | 3.1102% | 1,731 |
| Loan and lease loss provision to assets | -0.0177% | 4,952 |
| Net operating income to assets | 1.0330% | 2,723 |
| Return on assets (ROA) | 1.0330% | 2,814 |
| Pretax return on assets | 1.2899% | 2,537 |
| Return on Equity (ROE) | 10.1446% | 2,231 |
| Retained earnings to average equity (ytd only) | 5.5945% | 2,104 |
| Net charge-offs to loans | 0.0015% | 3,666 |
| Credit loss provision to net charge-offs | -1,388.8889% | 4,564 |
| Earnings coverage of net charge-offs (x) | 999.5556% | 100 |
| Efficiency ratio | 70.9694% | 2,029 |
| Assets per employee ($millions) | 6.1004% | 1,558 |
| Cash dividends to net income (ytd only)* | 44.8521% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9083% | 3,922 |
| Loan loss allowance to noncurrent loans | 121.0300% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.7272% | 1,783 |
| Noncurrent loans to loans | 0.7505% | 2,009 |
| Net loans and leases to total assets | 85.4772% | 205 |
| Net loans and leases to deposits | 98.8855% | 685 |
| Net loans and leases to core deposits | 114.5470% | 649 |
| Total domestic deposits to total assets | 86.4406% | 1,872 |
| Equity capital to assets | 10.4384% | 3,504 |
| Core capital (leverage) ratio | 10.2178% | 3,281 |
| Tier 1 risk-based capital ratio | 12.0699% | 4,323 |
| Total risk-based capital ratio | 13.0388% | 4,355 |
| Memoranda: | ||
| Average total assets | $707,098,200 | 1,058 |
| Average earning assets | $662,140,200 | 1,045 |
| Average equity | $71,999,000 | 1,195 |
| Average total loans | $601,458,600 | 905 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1816% | 1,079 |
| Cost of funding earning assets | 1.1313% | 1,234 |
| Net interest margin | 4.0503% | 1,762 |
| Noninterest income to average assets | 0.5699% | 2,353 |
| Noninterest expense to average assets | 3.1346% | 1,627 |
| Loan and lease loss provision to assets | -0.0284% | 5,094 |
| Net operating income to assets | 1.0001% | 2,983 |
| Return on assets (ROA) | 1.0001% | 3,059 |
| Pretax return on assets | 1.2552% | 2,799 |
| Return on Equity (ROE) | 9.8855% | 2,483 |
| Retained earnings to average equity (ytd only) | 3.7483% | 3,519 |
| Net charge-offs to loans | 0.0013% | 3,403 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,555 |
| Earnings coverage of net charge-offs (x) | 1,079.4725% | 83 |
| Efficiency ratio | 71.8709% | 1,856 |
| Assets per employee ($millions) | 6.2747% | 1,407 |
| Cash dividends to net income (ytd only)* | 62.0834% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9142% | 3,988 |
| Loan loss allowance to noncurrent loans | 163.2191% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.6306% | 2,108 |
| Noncurrent loans to loans | 0.5601% | 2,619 |
| Net loans and leases to total assets | 85.1269% | 243 |
| Net loans and leases to deposits | 98.9926% | 721 |
| Net loans and leases to core deposits | 112.4112% | 825 |
| Total domestic deposits to total assets | 85.9932% | 2,003 |
| Equity capital to assets | 10.2073% | 3,814 |
| Core capital (leverage) ratio | 10.3629% | 3,237 |
| Tier 1 risk-based capital ratio | 10.7640% | 4,996 |
| Total risk-based capital ratio | 11.6533% | 5,033 |
| Memoranda: | ||
| Average total assets | $703,909,500 | 1,065 |
| Average earning assets | $658,934,250 | 1,050 |
| Average equity | $71,213,500 | 1,201 |
| Average total loans | $596,585,750 | 917 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2247% | 936 |
| Cost of funding earning assets | 1.1182% | 1,226 |
| Net interest margin | 4.1065% | 1,590 |
| Noninterest income to average assets | 0.5328% | 2,484 |
| Noninterest expense to average assets | 3.1992% | 1,507 |
| Loan and lease loss provision to assets | -0.1143% | 5,221 |
| Net operating income to assets | 1.0281% | 2,812 |
| Return on assets (ROA) | 1.0281% | 2,892 |
| Pretax return on assets | 1.2898% | 2,598 |
| Return on Equity (ROE) | 10.1936% | 2,294 |
| Retained earnings to average equity (ytd only) | 0.9063% | 4,465 |
| Net charge-offs to loans | 0.0010% | 3,149 |
| Credit loss provision to net charge-offs | -13,333.3333% | 4,547 |
| Earnings coverage of net charge-offs (x) | 1,371.6667% | 49 |
| Efficiency ratio | 73.1292% | 1,757 |
| Assets per employee ($millions) | 6.1246% | 1,458 |
| Cash dividends to net income (ytd only)* | 91.1086% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9486% | 3,880 |
| Loan loss allowance to noncurrent loans | 190.3580% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.5671% | 2,315 |
| Noncurrent loans to loans | 0.4983% | 2,785 |
| Net loans and leases to total assets | 81.7430% | 648 |
| Net loans and leases to deposits | 96.0831% | 1,023 |
| Net loans and leases to core deposits | 109.0299% | 1,033 |
| Total domestic deposits to total assets | 85.0753% | 2,441 |
| Equity capital to assets | 10.3890% | 3,617 |
| Core capital (leverage) ratio | 10.2788% | 3,308 |
| Tier 1 risk-based capital ratio | 12.2130% | 4,292 |
| Total risk-based capital ratio | 13.2081% | 4,328 |
| Memoranda: | ||
| Average total assets | $700,106,330 | 1,077 |
| Average earning assets | $655,004,000 | 1,057 |
| Average equity | $70,613,000 | 1,203 |
| Average total loans | $590,598,670 | 923 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3810% | 658 |
| Cost of funding earning assets | 1.0778% | 1,265 |
| Net interest margin | 4.3033% | 1,084 |
| Noninterest income to average assets | 0.4944% | 2,586 |
| Noninterest expense to average assets | 3.5057% | 962 |
| Loan and lease loss provision to assets | -0.1131% | 5,298 |
| Net operating income to assets | 0.9044% | 3,216 |
| Return on assets (ROA) | 0.9044% | 3,266 |
| Pretax return on assets | 1.1307% | 3,040 |
| Return on Equity (ROE) | 9.0998% | 2,769 |
| Retained earnings to average equity (ytd only) | -6.1177% | 4,979 |
| Net charge-offs to loans | -0.0020% | 3,856 |
| Credit loss provision to net charge-offs | 6,666.6667% | 52 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5041% | 1,327 |
| Assets per employee ($millions) | 6.2288% | 1,385 |
| Cash dividends to net income (ytd only)* | 167.2295% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 3,949 |
| Loan loss allowance to noncurrent loans | 235.7143% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.4924% | 2,644 |
| Noncurrent loans to loans | 0.4045% | 3,135 |
| Net loans and leases to total assets | 83.0547% | 465 |
| Net loans and leases to deposits | 98.5453% | 733 |
| Net loans and leases to core deposits | 113.1907% | 776 |
| Total domestic deposits to total assets | 84.2808% | 2,956 |
| Equity capital to assets | 10.0039% | 3,822 |
| Core capital (leverage) ratio | 9.5924% | 4,033 |
| Tier 1 risk-based capital ratio | 11.6816% | 4,634 |
| Total risk-based capital ratio | 12.7051% | 4,666 |
| Memoranda: | ||
| Average total assets | $707,182,000 | 1,070 |
| Average earning assets | $662,101,500 | 1,059 |
| Average equity | $70,287,500 | 1,204 |
| Average total loans | $602,853,000 | 915 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1746% | 731 |
| Cost of funding earning assets | 0.8368% | 1,355 |
| Net interest margin | 4.3378% | 1,073 |
| Noninterest income to average assets | 0.6213% | 2,182 |
| Noninterest expense to average assets | 3.2823% | 1,364 |
| Loan and lease loss provision to assets | 0.0768% | 2,594 |
| Net operating income to assets | 1.0649% | 2,741 |
| Return on assets (ROA) | 1.0649% | 2,724 |
| Pretax return on assets | 1.3238% | 2,420 |
| Return on Equity (ROE) | 10.8301% | 2,156 |
| Retained earnings to average equity (ytd only) | 8.7976% | 940 |
| Net charge-offs to loans | -0.0014% | 4,202 |
| Credit loss provision to net charge-offs | -6,562.5000% | 4,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0915% | 2,168 |
| Assets per employee ($millions) | 6.3994% | 1,266 |
| Cash dividends to net income (ytd only)* | 18.7672% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9302% | 4,044 |
| Loan loss allowance to noncurrent loans | 227.3228% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 2,830 |
| Noncurrent loans to loans | 0.4092% | 3,067 |
| Net loans and leases to total assets | 85.7975% | 244 |
| Net loans and leases to deposits | 110.6618% | 233 |
| Net loans and leases to core deposits | 122.2576% | 492 |
| Total domestic deposits to total assets | 77.5313% | 4,556 |
| Equity capital to assets | 9.8760% | 3,791 |
| Core capital (leverage) ratio | 9.7261% | 3,880 |
| Tier 1 risk-based capital ratio | 11.7602% | 4,587 |
| Total risk-based capital ratio | 12.8046% | 4,599 |
| Memoranda: | ||
| Average total assets | $683,998,000 | 1,075 |
| Average earning assets | $640,439,000 | 1,062 |
| Average equity | $67,257,000 | 1,201 |
| Average total loans | $588,283,800 | 915 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0931% | 768 |
| Cost of funding earning assets | 0.7714% | 1,472 |
| Net interest margin | 4.3216% | 1,069 |
| Noninterest income to average assets | 0.6814% | 1,927 |
| Noninterest expense to average assets | 3.1973% | 1,526 |
| Loan and lease loss provision to assets | 0.0986% | 2,019 |
| Net operating income to assets | 1.0999% | 2,669 |
| Return on assets (ROA) | 1.0999% | 2,687 |
| Pretax return on assets | 1.4284% | 2,123 |
| Return on Equity (ROE) | 11.1987% | 2,092 |
| Retained earnings to average equity (ytd only) | 10.4856% | 768 |
| Net charge-offs to loans | -0.0018% | 4,080 |
| Credit loss provision to net charge-offs | -6,250.0000% | 4,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6773% | 2,597 |
| Assets per employee ($millions) | 6.3798% | 1,246 |
| Cash dividends to net income (ytd only)* | 6.3677% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9302% | 4,135 |
| Loan loss allowance to noncurrent loans | 241.1074% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.4176% | 3,023 |
| Noncurrent loans to loans | 0.3858% | 3,272 |
| Net loans and leases to total assets | 85.6752% | 294 |
| Net loans and leases to deposits | 112.7232% | 215 |
| Net loans and leases to core deposits | 124.5163% | 450 |
| Total domestic deposits to total assets | 76.0050% | 4,790 |
| Equity capital to assets | 9.6898% | 3,921 |
| Core capital (leverage) ratio | 9.7565% | 3,892 |
| Tier 1 risk-based capital ratio | 11.3480% | 4,874 |
| Total risk-based capital ratio | 12.3451% | 4,886 |
| Memoranda: | ||
| Average total assets | $675,813,750 | 1,085 |
| Average earning assets | $632,216,250 | 1,076 |
| Average equity | $66,375,000 | 1,211 |
| Average total loans | $580,176,000 | 927 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0922% | 675 |
| Cost of funding earning assets | 0.7249% | 1,497 |
| Net interest margin | 4.3672% | 913 |
| Noninterest income to average assets | 0.6128% | 2,255 |
| Noninterest expense to average assets | 3.1694% | 1,613 |
| Loan and lease loss provision to assets | 0.0754% | 2,387 |
| Net operating income to assets | 1.1121% | 2,537 |
| Return on assets (ROA) | 1.1121% | 2,541 |
| Pretax return on assets | 1.4467% | 1,998 |
| Return on Equity (ROE) | 11.2686% | 2,011 |
| Retained earnings to average equity (ytd only) | 11.2686% | 622 |
| Net charge-offs to loans | -0.0046% | 4,080 |
| Credit loss provision to net charge-offs | -1,923.0769% | 4,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5563% | 2,715 |
| Assets per employee ($millions) | 5.7601% | 1,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9306% | 4,203 |
| Loan loss allowance to noncurrent loans | 274.2402% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 3,219 |
| Noncurrent loans to loans | 0.3393% | 3,484 |
| Net loans and leases to total assets | 85.4877% | 306 |
| Net loans and leases to deposits | 108.1177% | 346 |
| Net loans and leases to core deposits | 118.5242% | 610 |
| Total domestic deposits to total assets | 79.0692% | 4,416 |
| Equity capital to assets | 9.8520% | 3,768 |
| Core capital (leverage) ratio | 9.9461% | 3,638 |
| Tier 1 risk-based capital ratio | 11.3393% | 4,878 |
| Total risk-based capital ratio | 12.3115% | 4,915 |
| Memoranda: | ||
| Average total assets | $662,907,670 | 1,103 |
| Average earning assets | $619,108,670 | 1,091 |
| Average equity | $65,421,000 | 1,228 |
| Average total loans | $567,593,000 | 942 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9469% | 786 |
| Cost of funding earning assets | 0.6726% | 1,585 |
| Net interest margin | 4.2743% | 996 |
| Noninterest income to average assets | 0.6310% | 2,122 |
| Noninterest expense to average assets | 3.2337% | 1,491 |
| Loan and lease loss provision to assets | 0.0614% | 2,550 |
| Net operating income to assets | 1.0116% | 2,813 |
| Return on assets (ROA) | 1.0116% | 2,835 |
| Pretax return on assets | 1.3265% | 2,263 |
| Return on Equity (ROE) | 10.2414% | 2,313 |
| Retained earnings to average equity (ytd only) | 10.2414% | 1,091 |
| Net charge-offs to loans | 0.0101% | 2,388 |
| Credit loss provision to net charge-offs | 714.2857% | 464 |
| Earnings coverage of net charge-offs (x) | 161.5000% | 405 |
| Efficiency ratio | 69.9695% | 2,488 |
| Assets per employee ($millions) | 5.8819% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 4,218 |
| Loan loss allowance to noncurrent loans | 321.3510% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.3472% | 3,454 |
| Noncurrent loans to loans | 0.2956% | 3,707 |
| Net loans and leases to total assets | 84.3386% | 403 |
| Net loans and leases to deposits | 104.4378% | 454 |
| Net loans and leases to core deposits | 114.4458% | 784 |
| Total domestic deposits to total assets | 80.7549% | 4,257 |
| Equity capital to assets | 9.8969% | 3,704 |
| Core capital (leverage) ratio | 10.0360% | 3,491 |
| Tier 1 risk-based capital ratio | 12.1533% | 4,458 |
| Total risk-based capital ratio | 13.2018% | 4,471 |
| Memoranda: | ||
| Average total assets | $651,637,500 | 1,133 |
| Average earning assets | $608,386,500 | 1,119 |
| Average equity | $64,366,500 | 1,253 |
| Average total loans | $555,650,500 | 957 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9288% | 748 |
| Cost of funding earning assets | 0.5983% | 1,604 |
| Net interest margin | 4.3305% | 907 |
| Noninterest income to average assets | 0.5737% | 2,583 |
| Noninterest expense to average assets | 3.0826% | 1,909 |
| Loan and lease loss provision to assets | 0.0829% | 2,543 |
| Net operating income to assets | 0.8762% | 2,831 |
| Return on assets (ROA) | 0.8762% | 2,856 |
| Pretax return on assets | 1.4506% | 1,813 |
| Return on Equity (ROE) | 8.7073% | 2,446 |
| Retained earnings to average equity (ytd only) | 8.7073% | 556 |
| Net charge-offs to loans | 0.0160% | 3,558 |
| Credit loss provision to net charge-offs | 609.7561% | 530 |
| Earnings coverage of net charge-offs (x) | 112.8171% | 597 |
| Efficiency ratio | 66.7792% | 3,116 |
| Assets per employee ($millions) | 5.3708% | 2,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9523% | 4,198 |
| Loan loss allowance to noncurrent loans | 260.3577% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.4054% | 3,235 |
| Noncurrent loans to loans | 0.3658% | 3,456 |
| Net loans and leases to total assets | 84.5819% | 386 |
| Net loans and leases to deposits | 105.4332% | 426 |
| Net loans and leases to core deposits | 116.1291% | 715 |
| Total domestic deposits to total assets | 80.2231% | 4,296 |
| Equity capital to assets | 9.8580% | 3,864 |
| Core capital (leverage) ratio | 10.1017% | 3,318 |
| Tier 1 risk-based capital ratio | 12.0300% | 4,504 |
| Total risk-based capital ratio | 13.0774% | 4,530 |
| Memoranda: | ||
| Average total assets | $603,263,400 | 1,188 |
| Average earning assets | $563,123,200 | 1,176 |
| Average equity | $60,707,600 | 1,301 |
| Average total loans | $513,125,000 | 999 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9184% | 732 |
| Cost of funding earning assets | 0.5874% | 1,623 |
| Net interest margin | 4.3310% | 851 |
| Noninterest income to average assets | 0.5516% | 2,720 |
| Noninterest expense to average assets | 3.1075% | 1,778 |
| Loan and lease loss provision to assets | 0.0562% | 2,965 |
| Net operating income to assets | 0.9138% | 2,950 |
| Return on assets (ROA) | 0.9138% | 3,011 |
| Pretax return on assets | 1.4301% | 2,015 |
| Return on Equity (ROE) | 9.0308% | 2,580 |
| Retained earnings to average equity (ytd only) | 9.0308% | 828 |
| Net charge-offs to loans | 0.0214% | 3,046 |
| Credit loss provision to net charge-offs | 308.6420% | 964 |
| Earnings coverage of net charge-offs (x) | 81.6029% | 799 |
| Efficiency ratio | 67.6456% | 2,935 |
| Assets per employee ($millions) | 5.4071% | 2,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9444% | 4,344 |
| Loan loss allowance to noncurrent loans | 235.5356% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.5051% | 3,049 |
| Noncurrent loans to loans | 0.4009% | 3,507 |
| Net loans and leases to total assets | 84.1917% | 415 |
| Net loans and leases to deposits | 99.3187% | 794 |
| Net loans and leases to core deposits | 109.2840% | 1,074 |
| Total domestic deposits to total assets | 84.7692% | 2,807 |
| Equity capital to assets | 9.9890% | 3,921 |
| Core capital (leverage) ratio | 10.1520% | 3,377 |
| Tier 1 risk-based capital ratio | 11.9372% | 4,673 |
| Total risk-based capital ratio | 12.9529% | 4,710 |
| Memoranda: | ||
| Average total assets | $592,954,000 | 1,214 |
| Average earning assets | $553,420,500 | 1,205 |
| Average equity | $60,000,750 | 1,318 |
| Average total loans | $503,813,250 | 1,020 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8852% | 719 |
| Cost of funding earning assets | 0.5716% | 1,638 |
| Net interest margin | 4.3136% | 827 |
| Noninterest income to average assets | 0.6109% | 2,405 |
| Noninterest expense to average assets | 3.1202% | 1,794 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9639% | 2,589 |
| Return on assets (ROA) | 0.9639% | 2,645 |
| Pretax return on assets | 1.5173% | 1,576 |
| Return on Equity (ROE) | 9.4879% | 2,280 |
| Retained earnings to average equity (ytd only) | 9.4879% | 714 |
| Net charge-offs to loans | -0.0052% | 4,349 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2824% | 3,136 |
| Assets per employee ($millions) | 5.7144% | 1,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9755% | 4,290 |
| Loan loss allowance to noncurrent loans | 265.8054% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.4691% | 3,233 |
| Noncurrent loans to loans | 0.3670% | 3,713 |
| Net loans and leases to total assets | 83.3907% | 502 |
| Net loans and leases to deposits | 98.4906% | 847 |
| Net loans and leases to core deposits | 108.0417% | 1,105 |
| Total domestic deposits to total assets | 84.6687% | 2,951 |
| Equity capital to assets | 10.3397% | 3,528 |
| Core capital (leverage) ratio | 10.5118% | 2,897 |
| Tier 1 risk-based capital ratio | 12.6170% | 4,232 |
| Total risk-based capital ratio | 13.6821% | 4,229 |
| Memoranda: | ||
| Average total assets | $583,683,000 | 1,241 |
| Average earning assets | $544,833,000 | 1,225 |
| Average equity | $59,296,670 | 1,331 |
| Average total loans | $495,931,000 | 1,032 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9441% | 577 |
| Cost of funding earning assets | 0.5845% | 1,483 |
| Net interest margin | 4.3596% | 688 |
| Noninterest income to average assets | 0.6022% | 2,403 |
| Noninterest expense to average assets | 3.0776% | 1,926 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0020% | 2,292 |
| Return on assets (ROA) | 1.0020% | 2,343 |
| Pretax return on assets | 1.6001% | 1,236 |
| Return on Equity (ROE) | 9.9528% | 1,984 |
| Retained earnings to average equity (ytd only) | 9.9528% | 815 |
| Net charge-offs to loans | -0.0129% | 4,525 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7937% | 3,534 |
| Assets per employee ($millions) | 5.3217% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9848% | 4,368 |
| Loan loss allowance to noncurrent loans | 251.7170% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.4983% | 3,232 |
| Noncurrent loans to loans | 0.3912% | 3,702 |
| Net loans and leases to total assets | 84.6334% | 317 |
| Net loans and leases to deposits | 100.2539% | 600 |
| Net loans and leases to core deposits | 110.1359% | 873 |
| Total domestic deposits to total assets | 84.4190% | 3,325 |
| Equity capital to assets | 10.3236% | 3,381 |
| Core capital (leverage) ratio | 10.2550% | 3,183 |
| Tier 1 risk-based capital ratio | 12.5801% | 4,339 |
| Total risk-based capital ratio | 13.6512% | 4,353 |
| Memoranda: | ||
| Average total assets | $581,231,500 | 1,240 |
| Average earning assets | $543,355,000 | 1,231 |
| Average equity | $58,516,000 | 1,343 |
| Average total loans | $496,066,000 | 1,027 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9770% | 619 |
| Cost of funding earning assets | 0.5617% | 1,595 |
| Net interest margin | 4.4153% | 750 |
| Noninterest income to average assets | 0.7784% | 1,833 |
| Noninterest expense to average assets | 3.2934% | 1,589 |
| Loan and lease loss provision to assets | 0.0817% | 2,724 |
| Net operating income to assets | 0.9942% | 2,373 |
| Return on assets (ROA) | 0.9942% | 2,480 |
| Pretax return on assets | 1.5336% | 1,479 |
| Return on Equity (ROE) | 9.9454% | 1,978 |
| Retained earnings to average equity (ytd only) | 6.7941% | 1,310 |
| Net charge-offs to loans | 0.0565% | 2,924 |
| Credit loss provision to net charge-offs | 169.4030% | 1,634 |
| Earnings coverage of net charge-offs (x) | 33.4813% | 1,337 |
| Efficiency ratio | 67.0933% | 3,421 |
| Assets per employee ($millions) | 5.8772% | 1,557 |
| Cash dividends to net income (ytd only)* | 31.6857% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9627% | 4,512 |
| Loan loss allowance to noncurrent loans | 153.2253% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.7332% | 2,532 |
| Noncurrent loans to loans | 0.6283% | 2,968 |
| Net loans and leases to total assets | 84.4020% | 349 |
| Net loans and leases to deposits | 105.2412% | 378 |
| Net loans and leases to core deposits | 120.5397% | 471 |
| Total domestic deposits to total assets | 80.1987% | 4,529 |
| Equity capital to assets | 9.8172% | 3,919 |
| Core capital (leverage) ratio | 9.9873% | 3,495 |
| Tier 1 risk-based capital ratio | 12.0210% | 4,717 |
| Total risk-based capital ratio | 13.0716% | 4,743 |
| Memoranda: | ||
| Average total assets | $555,505,200 | 1,250 |
| Average earning assets | $519,650,400 | 1,236 |
| Average equity | $55,533,400 | 1,380 |
| Average total loans | $474,175,200 | 1,020 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9516% | 654 |
| Cost of funding earning assets | 0.5611% | 1,603 |
| Net interest margin | 4.3905% | 790 |
| Noninterest income to average assets | 0.7416% | 2,001 |
| Noninterest expense to average assets | 3.2913% | 1,586 |
| Loan and lease loss provision to assets | 0.0609% | 3,023 |
| Net operating income to assets | 0.9574% | 2,620 |
| Return on assets (ROA) | 0.9574% | 2,762 |
| Pretax return on assets | 1.4981% | 1,716 |
| Return on Equity (ROE) | 9.5308% | 2,260 |
| Retained earnings to average equity (ytd only) | 5.2879% | 2,640 |
| Net charge-offs to loans | 0.0077% | 3,652 |
| Credit loss provision to net charge-offs | 925.9259% | 439 |
| Earnings coverage of net charge-offs (x) | 237.0681% | 332 |
| Efficiency ratio | 67.8584% | 3,247 |
| Assets per employee ($millions) | 5.5447% | 1,810 |
| Cash dividends to net income (ytd only)* | 44.5180% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0134% | 4,334 |
| Loan loss allowance to noncurrent loans | 115.3883% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.8991% | 2,311 |
| Noncurrent loans to loans | 0.8782% | 2,502 |
| Net loans and leases to total assets | 83.9222% | 415 |
| Net loans and leases to deposits | 101.5768% | 603 |
| Net loans and leases to core deposits | 116.5920% | 634 |
| Total domestic deposits to total assets | 82.6194% | 3,739 |
| Equity capital to assets | 9.9095% | 4,228 |
| Core capital (leverage) ratio | 10.0760% | 3,467 |
| Tier 1 risk-based capital ratio | 12.2517% | 4,644 |
| Total risk-based capital ratio | 13.3605% | 4,629 |
| Memoranda: | ||
| Average total assets | $547,450,750 | 1,268 |
| Average earning assets | $512,303,500 | 1,255 |
| Average equity | $54,992,250 | 1,404 |
| Average total loans | $467,501,000 | 1,033 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9686% | 628 |
| Cost of funding earning assets | 0.5636% | 1,589 |
| Net interest margin | 4.4050% | 758 |
| Noninterest income to average assets | 0.6646% | 2,308 |
| Noninterest expense to average assets | 3.2677% | 1,654 |
| Loan and lease loss provision to assets | 0.0924% | 2,306 |
| Net operating income to assets | 0.9032% | 2,847 |
| Return on assets (ROA) | 0.9032% | 2,978 |
| Pretax return on assets | 1.4248% | 1,930 |
| Return on Equity (ROE) | 8.9492% | 2,517 |
| Retained earnings to average equity (ytd only) | 7.1191% | 1,545 |
| Net charge-offs to loans | 0.0207% | 3,080 |
| Credit loss provision to net charge-offs | 520.8333% | 632 |
| Earnings coverage of net charge-offs (x) | 85.5625% | 664 |
| Efficiency ratio | 68.2931% | 3,279 |
| Assets per employee ($millions) | 5.0573% | 2,246 |
| Cash dividends to net income (ytd only)* | 20.4499% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 4,289 |
| Loan loss allowance to noncurrent loans | 128.0572% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.8373% | 2,497 |
| Noncurrent loans to loans | 0.8119% | 2,717 |
| Net loans and leases to total assets | 85.0991% | 321 |
| Net loans and leases to deposits | 103.2127% | 496 |
| Net loans and leases to core deposits | 118.0907% | 567 |
| Total domestic deposits to total assets | 82.4502% | 3,858 |
| Equity capital to assets | 10.2960% | 3,866 |
| Core capital (leverage) ratio | 10.1396% | 3,401 |
| Tier 1 risk-based capital ratio | 12.7973% | 4,317 |
| Total risk-based capital ratio | 13.9540% | 4,290 |
| Memoranda: | ||
| Average total assets | $541,414,000 | 1,285 |
| Average earning assets | $506,423,000 | 1,269 |
| Average equity | $54,641,670 | 1,417 |
| Average total loans | $463,504,670 | 1,039 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9079% | 682 |
| Cost of funding earning assets | 0.5667% | 1,566 |
| Net interest margin | 4.3413% | 843 |
| Noninterest income to average assets | 0.6027% | 2,514 |
| Noninterest expense to average assets | 3.2691% | 1,669 |
| Loan and lease loss provision to assets | 0.1108% | 1,879 |
| Net operating income to assets | 0.8383% | 3,041 |
| Return on assets (ROA) | 0.8383% | 3,177 |
| Pretax return on assets | 1.2800% | 2,383 |
| Return on Equity (ROE) | 8.3911% | 2,707 |
| Retained earnings to average equity (ytd only) | 8.3911% | 1,303 |
| Net charge-offs to loans | 0.0666% | 1,825 |
| Credit loss provision to net charge-offs | 194.8052% | 1,103 |
| Earnings coverage of net charge-offs (x) | 24.4545% | 1,330 |
| Efficiency ratio | 70.1537% | 3,091 |
| Assets per employee ($millions) | 5.7759% | 1,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0157% | 4,516 |
| Loan loss allowance to noncurrent loans | 337.5627% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.4052% | 3,972 |
| Noncurrent loans to loans | 0.3009% | 4,349 |
| Net loans and leases to total assets | 84.5236% | 325 |
| Net loans and leases to deposits | 101.5575% | 530 |
| Net loans and leases to core deposits | 117.3434% | 557 |
| Total domestic deposits to total assets | 83.2273% | 3,814 |
| Equity capital to assets | 10.0798% | 3,973 |
| Core capital (leverage) ratio | 10.1416% | 3,377 |
| Tier 1 risk-based capital ratio | 12.1240% | 4,834 |
| Total risk-based capital ratio | 13.2121% | 4,853 |
| Memoranda: | ||
| Average total assets | $541,556,000 | 1,282 |
| Average earning assets | $506,120,500 | 1,274 |
| Average equity | $54,105,000 | 1,429 |
| Average total loans | $462,589,500 | 1,038 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9366% | 711 |
| Cost of funding earning assets | 0.5808% | 1,491 |
| Net interest margin | 4.3558% | 866 |
| Noninterest income to average assets | 0.8017% | 1,783 |
| Noninterest expense to average assets | 3.3018% | 1,716 |
| Loan and lease loss provision to assets | 0.0790% | 2,702 |
| Net operating income to assets | 0.9732% | 2,502 |
| Return on assets (ROA) | 0.9692% | 2,601 |
| Pretax return on assets | 1.4914% | 1,586 |
| Return on Equity (ROE) | 9.5928% | 2,180 |
| Retained earnings to average equity (ytd only) | 6.7582% | 1,400 |
| Net charge-offs to loans | 0.0344% | 3,517 |
| Credit loss provision to net charge-offs | 264.9007% | 1,090 |
| Earnings coverage of net charge-offs (x) | 52.8609% | 963 |
| Efficiency ratio | 67.6829% | 3,628 |
| Assets per employee ($millions) | 5.8083% | 1,526 |
| Cash dividends to net income (ytd only)* | 29.5496% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 4,578 |
| Loan loss allowance to noncurrent loans | 281.6525% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.4452% | 3,831 |
| Noncurrent loans to loans | 0.3566% | 4,178 |
| Net loans and leases to total assets | 84.5881% | 340 |
| Net loans and leases to deposits | 103.2958% | 479 |
| Net loans and leases to core deposits | 121.9459% | 428 |
| Total domestic deposits to total assets | 81.8892% | 4,194 |
| Equity capital to assets | 9.9011% | 4,070 |
| Core capital (leverage) ratio | 10.1942% | 3,269 |
| Tier 1 risk-based capital ratio | 12.8906% | 4,390 |
| Total risk-based capital ratio | 14.0173% | 4,372 |
| Memoranda: | ||
| Average total assets | $506,305,200 | 1,326 |
| Average earning assets | $473,846,200 | 1,305 |
| Average equity | $51,153,000 | 1,451 |
| Average total loans | $438,375,400 | 1,046 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9154% | 744 |
| Cost of funding earning assets | 0.5878% | 1,478 |
| Net interest margin | 4.3276% | 913 |
| Noninterest income to average assets | 0.8404% | 1,652 |
| Noninterest expense to average assets | 3.3183% | 1,651 |
| Loan and lease loss provision to assets | 0.1071% | 2,088 |
| Net operating income to assets | 0.9971% | 2,484 |
| Return on assets (ROA) | 0.9915% | 2,596 |
| Pretax return on assets | 1.4588% | 1,808 |
| Return on Equity (ROE) | 9.7604% | 2,196 |
| Retained earnings to average equity (ytd only) | 6.5966% | 1,891 |
| Net charge-offs to loans | 0.0324% | 3,276 |
| Credit loss provision to net charge-offs | 380.9524% | 792 |
| Earnings coverage of net charge-offs (x) | 55.9796% | 963 |
| Efficiency ratio | 67.8235% | 3,583 |
| Assets per employee ($millions) | 5.6984% | 1,593 |
| Cash dividends to net income (ytd only)* | 32.4149% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0724% | 4,375 |
| Loan loss allowance to noncurrent loans | 237.1834% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.4224% | 4,085 |
| Noncurrent loans to loans | 0.4521% | 3,994 |
| Net loans and leases to total assets | 86.1333% | 224 |
| Net loans and leases to deposits | 102.4874% | 520 |
| Net loans and leases to core deposits | 118.5511% | 510 |
| Total domestic deposits to total assets | 84.0428% | 3,404 |
| Equity capital to assets | 10.4200% | 3,686 |
| Core capital (leverage) ratio | 10.2215% | 3,348 |
| Tier 1 risk-based capital ratio | 12.8684% | 4,511 |
| Total risk-based capital ratio | 14.0338% | 4,467 |
| Memoranda: | ||
| Average total assets | $497,837,750 | 1,357 |
| Average earning assets | $466,142,750 | 1,332 |
| Average equity | $50,570,500 | 1,475 |
| Average total loans | $432,579,250 | 1,060 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8949% | 738 |
| Cost of funding earning assets | 0.5899% | 1,487 |
| Net interest margin | 4.3050% | 911 |
| Noninterest income to average assets | 0.9005% | 1,444 |
| Noninterest expense to average assets | 3.2366% | 1,876 |
| Loan and lease loss provision to assets | 0.1208% | 1,831 |
| Net operating income to assets | 1.0368% | 2,194 |
| Return on assets (ROA) | 1.0285% | 2,356 |
| Pretax return on assets | 1.5541% | 1,469 |
| Return on Equity (ROE) | 10.2140% | 1,969 |
| Retained earnings to average equity (ytd only) | 5.4149% | 2,589 |
| Net charge-offs to loans | 0.0533% | 2,655 |
| Credit loss provision to net charge-offs | 260.8696% | 1,018 |
| Earnings coverage of net charge-offs (x) | 36.4348% | 1,198 |
| Efficiency ratio | 65.7316% | 4,060 |
| Assets per employee ($millions) | 5.5273% | 1,709 |
| Cash dividends to net income (ytd only)* | 46.9851% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0446% | 4,635 |
| Loan loss allowance to noncurrent loans | 436.2595% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.2730% | 4,780 |
| Noncurrent loans to loans | 0.2395% | 4,804 |
| Net loans and leases to total assets | 86.1039% | 237 |
| Net loans and leases to deposits | 103.2344% | 489 |
| Net loans and leases to core deposits | 118.8389% | 501 |
| Total domestic deposits to total assets | 83.4062% | 3,787 |
| Equity capital to assets | 10.1413% | 3,882 |
| Core capital (leverage) ratio | 10.2057% | 3,331 |
| Tier 1 risk-based capital ratio | 12.5104% | 4,795 |
| Total risk-based capital ratio | 13.6484% | 4,786 |
| Memoranda: | ||
| Average total assets | $496,630,670 | 1,365 |
| Average earning assets | $464,161,000 | 1,347 |
| Average equity | $50,010,000 | 1,499 |
| Average total loans | $431,237,330 | 1,061 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8766% | 738 |
| Cost of funding earning assets | 0.5977% | 1,453 |
| Net interest margin | 4.2788% | 923 |
| Noninterest income to average assets | 0.7141% | 2,103 |
| Noninterest expense to average assets | 3.0868% | 2,311 |
| Loan and lease loss provision to assets | 0.0811% | 2,348 |
| Net operating income to assets | 1.0293% | 2,132 |
| Return on assets (ROA) | 1.0125% | 2,340 |
| Pretax return on assets | 1.5191% | 1,501 |
| Return on Equity (ROE) | 10.0908% | 1,966 |
| Retained earnings to average equity (ytd only) | 10.0908% | 904 |
| Net charge-offs to loans | 0.0477% | 2,317 |
| Credit loss provision to net charge-offs | 196.0784% | 1,065 |
| Earnings coverage of net charge-offs (x) | 39.3137% | 984 |
| Efficiency ratio | 65.5083% | 4,236 |
| Assets per employee ($millions) | 5.4009% | 1,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 4,791 |
| Loan loss allowance to noncurrent loans | 659.1382% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 5,036 |
| Noncurrent loans to loans | 0.1586% | 5,209 |
| Net loans and leases to total assets | 85.4433% | 222 |
| Net loans and leases to deposits | 100.5440% | 532 |
| Net loans and leases to core deposits | 116.9960% | 490 |
| Total domestic deposits to total assets | 84.9811% | 3,414 |
| Equity capital to assets | 10.0872% | 4,035 |
| Core capital (leverage) ratio | 9.8688% | 3,794 |
| Tier 1 risk-based capital ratio | 12.8677% | 4,680 |
| Total risk-based capital ratio | 14.0466% | 4,649 |
| Memoranda: | ||
| Average total assets | $493,455,000 | 1,379 |
| Average earning assets | $461,063,500 | 1,357 |
| Average equity | $49,510,500 | 1,521 |
| Average total loans | $428,026,500 | 1,071 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0678% | 676 |
| Cost of funding earning assets | 0.5554% | 2,168 |
| Net interest margin | 4.5124% | 729 |
| Noninterest income to average assets | 0.7093% | 2,262 |
| Noninterest expense to average assets | 3.2316% | 2,124 |
| Loan and lease loss provision to assets | 0.1716% | 1,513 |
| Net operating income to assets | 0.9358% | 2,694 |
| Return on assets (ROA) | 0.9358% | 2,788 |
| Pretax return on assets | 1.5263% | 1,452 |
| Return on Equity (ROE) | 9.2860% | 2,449 |
| Retained earnings to average equity (ytd only) | 9.2860% | 647 |
| Net charge-offs to loans | 0.1448% | 2,592 |
| Credit loss provision to net charge-offs | 135.1351% | 1,744 |
| Earnings coverage of net charge-offs (x) | 13.3716% | 2,274 |
| Efficiency ratio | 65.0568% | 4,396 |
| Assets per employee ($millions) | 5.3850% | 1,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 4,960 |
| Loan loss allowance to noncurrent loans | 376.2436% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.2897% | 4,875 |
| Noncurrent loans to loans | 0.2701% | 4,881 |
| Net loans and leases to total assets | 86.2469% | 193 |
| Net loans and leases to deposits | 103.8677% | 437 |
| Net loans and leases to core deposits | 121.0002% | 390 |
| Total domestic deposits to total assets | 83.0353% | 4,068 |
| Equity capital to assets | 9.9801% | 4,136 |
| Core capital (leverage) ratio | 10.1922% | 3,319 |
| Tier 1 risk-based capital ratio | 12.4436% | 5,067 |
| Total risk-based capital ratio | 13.5728% | 5,055 |
| Memoranda: | ||
| Average total assets | $466,236,800 | 1,431 |
| Average earning assets | $436,047,600 | 1,406 |
| Average equity | $46,984,600 | 1,535 |
| Average total loans | $408,947,400 | 1,074 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1990% | 527 |
| Cost of funding earning assets | 0.5649% | 2,149 |
| Net interest margin | 4.6340% | 577 |
| Noninterest income to average assets | 0.6325% | 2,674 |
| Noninterest expense to average assets | 3.2064% | 2,159 |
| Loan and lease loss provision to assets | 0.1743% | 1,410 |
| Net operating income to assets | 1.0244% | 2,351 |
| Return on assets (ROA) | 1.0244% | 2,405 |
| Pretax return on assets | 1.5865% | 1,367 |
| Return on Equity (ROE) | 10.1385% | 2,150 |
| Retained earnings to average equity (ytd only) | 10.1385% | 669 |
| Net charge-offs to loans | 0.1809% | 2,007 |
| Credit loss provision to net charge-offs | 109.6892% | 2,046 |
| Earnings coverage of net charge-offs (x) | 11.0804% | 2,471 |
| Efficiency ratio | 63.9782% | 4,544 |
| Assets per employee ($millions) | 4.7923% | 2,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0075% | 5,185 |
| Loan loss allowance to noncurrent loans | 466.8874% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 5,302 |
| Noncurrent loans to loans | 0.2158% | 5,257 |
| Net loans and leases to total assets | 86.7251% | 161 |
| Net loans and leases to deposits | 102.4033% | 480 |
| Net loans and leases to core deposits | 119.1945% | 414 |
| Total domestic deposits to total assets | 84.6898% | 3,458 |
| Equity capital to assets | 10.1232% | 4,022 |
| Core capital (leverage) ratio | 10.2575% | 3,331 |
| Tier 1 risk-based capital ratio | 12.8226% | 4,962 |
| Total risk-based capital ratio | 13.9817% | 4,930 |
| Memoranda: | ||
| Average total assets | $458,940,000 | 1,465 |
| Average earning assets | $429,305,500 | 1,440 |
| Average equity | $46,369,750 | 1,557 |
| Average total loans | $403,265,500 | 1,086 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1837% | 523 |
| Cost of funding earning assets | 0.5697% | 2,165 |
| Net interest margin | 4.6140% | 569 |
| Noninterest income to average assets | 0.5091% | 3,409 |
| Noninterest expense to average assets | 3.1160% | 2,434 |
| Loan and lease loss provision to assets | 0.1769% | 1,385 |
| Net operating income to assets | 1.0005% | 2,324 |
| Return on assets (ROA) | 1.0005% | 2,390 |
| Pretax return on assets | 1.5397% | 1,431 |
| Return on Equity (ROE) | 9.9090% | 2,188 |
| Retained earnings to average equity (ytd only) | 9.9090% | 736 |
| Net charge-offs to loans | 0.1946% | 1,862 |
| Credit loss provision to net charge-offs | 103.3592% | 1,925 |
| Earnings coverage of net charge-offs (x) | 10.0284% | 2,285 |
| Efficiency ratio | 63.9209% | 4,700 |
| Assets per employee ($millions) | 6.0094% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0326% | 5,196 |
| Loan loss allowance to noncurrent loans | 521.9178% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.2208% | 5,445 |
| Noncurrent loans to loans | 0.1979% | 5,425 |
| Net loans and leases to total assets | 85.6915% | 197 |
| Net loans and leases to deposits | 106.6754% | 279 |
| Net loans and leases to core deposits | 123.7055% | 306 |
| Total domestic deposits to total assets | 80.3293% | 5,170 |
| Equity capital to assets | 10.0570% | 4,026 |
| Core capital (leverage) ratio | 10.3719% | 3,114 |
| Tier 1 risk-based capital ratio | 12.9893% | 4,917 |
| Total risk-based capital ratio | 14.1689% | 4,903 |
| Memoranda: | ||
| Average total assets | $452,177,330 | 1,478 |
| Average earning assets | $423,713,330 | 1,460 |
| Average equity | $45,655,330 | 1,569 |
| Average total loans | $397,740,330 | 1,097 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2148% | 470 |
| Cost of funding earning assets | 0.5874% | 2,094 |
| Net interest margin | 4.6274% | 533 |
| Noninterest income to average assets | 0.4172% | 4,051 |
| Noninterest expense to average assets | 3.1755% | 2,309 |
| Loan and lease loss provision to assets | 0.1802% | 1,334 |
| Net operating income to assets | 0.9128% | 2,586 |
| Return on assets (ROA) | 0.9128% | 2,659 |
| Pretax return on assets | 1.3913% | 1,779 |
| Return on Equity (ROE) | 9.0220% | 2,452 |
| Retained earnings to average equity (ytd only) | 9.0220% | 1,244 |
| Net charge-offs to loans | 0.2042% | 1,523 |
| Credit loss provision to net charge-offs | 99.5025% | 1,711 |
| Earnings coverage of net charge-offs (x) | 8.6766% | 2,002 |
| Efficiency ratio | 66.3060% | 4,485 |
| Assets per employee ($millions) | 4.8942% | 2,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 5,301 |
| Loan loss allowance to noncurrent loans | 550.1976% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.2140% | 5,574 |
| Noncurrent loans to loans | 0.1915% | 5,517 |
| Net loans and leases to total assets | 88.0451% | 82 |
| Net loans and leases to deposits | 106.8541% | 220 |
| Net loans and leases to core deposits | 123.8805% | 262 |
| Total domestic deposits to total assets | 82.3975% | 4,816 |
| Equity capital to assets | 10.2348% | 3,559 |
| Core capital (leverage) ratio | 10.1479% | 3,353 |
| Tier 1 risk-based capital ratio | 12.9520% | 5,031 |
| Total risk-based capital ratio | 14.1586% | 4,995 |
| Memoranda: | ||
| Average total assets | $443,897,500 | 1,508 |
| Average earning assets | $415,356,500 | 1,493 |
| Average equity | $44,912,500 | 1,584 |
| Average total loans | $393,681,000 | 1,117 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3170% | 507 |
| Cost of funding earning assets | 0.5973% | 2,685 |
| Net interest margin | 4.7197% | 495 |
| Noninterest income to average assets | 0.6438% | 2,842 |
| Noninterest expense to average assets | 3.1952% | 2,436 |
| Loan and lease loss provision to assets | 0.3281% | 988 |
| Net operating income to assets | 0.9854% | 2,392 |
| Return on assets (ROA) | 0.9807% | 2,488 |
| Pretax return on assets | 1.5129% | 1,402 |
| Return on Equity (ROE) | 9.7460% | 2,219 |
| Retained earnings to average equity (ytd only) | 9.7460% | 607 |
| Net charge-offs to loans | 0.3939% | 1,711 |
| Credit loss provision to net charge-offs | 95.0704% | 2,634 |
| Earnings coverage of net charge-offs (x) | 5.3556% | 3,322 |
| Efficiency ratio | 62.7650% | 5,094 |
| Assets per employee ($millions) | 5.0853% | 2,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0681% | 5,285 |
| Loan loss allowance to noncurrent loans | 473.5828% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.4448% | 4,910 |
| Noncurrent loans to loans | 0.2255% | 5,516 |
| Net loans and leases to total assets | 87.4459% | 107 |
| Net loans and leases to deposits | 110.0210% | 173 |
| Net loans and leases to core deposits | 127.5742% | 221 |
| Total domestic deposits to total assets | 79.4811% | 5,557 |
| Equity capital to assets | 10.0000% | 3,772 |
| Core capital (leverage) ratio | 10.0031% | 3,573 |
| Tier 1 risk-based capital ratio | 13.0176% | 4,958 |
| Total risk-based capital ratio | 14.2625% | 4,915 |
| Memoranda: | ||
| Average total assets | $411,458,200 | 1,604 |
| Average earning assets | $383,559,800 | 1,574 |
| Average equity | $41,401,400 | 1,689 |
| Average total loans | $360,532,200 | 1,187 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3551% | 485 |
| Cost of funding earning assets | 0.5984% | 2,818 |
| Net interest margin | 4.7566% | 464 |
| Noninterest income to average assets | 0.6757% | 2,747 |
| Noninterest expense to average assets | 3.1771% | 2,428 |
| Loan and lease loss provision to assets | 0.3798% | 816 |
| Net operating income to assets | 1.0078% | 2,346 |
| Return on assets (ROA) | 1.0013% | 2,456 |
| Pretax return on assets | 1.5400% | 1,497 |
| Return on Equity (ROE) | 9.9347% | 2,211 |
| Retained earnings to average equity (ytd only) | 9.9347% | 804 |
| Net charge-offs to loans | 0.4847% | 1,323 |
| Credit loss provision to net charge-offs | 89.6337% | 2,647 |
| Earnings coverage of net charge-offs (x) | 4.5542% | 3,412 |
| Efficiency ratio | 61.6181% | 5,188 |
| Assets per employee ($millions) | 5.0871% | 2,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 5,410 |
| Loan loss allowance to noncurrent loans | 354.7414% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.4759% | 5,005 |
| Noncurrent loans to loans | 0.3041% | 5,469 |
| Net loans and leases to total assets | 87.2643% | 106 |
| Net loans and leases to deposits | 108.9625% | 170 |
| Net loans and leases to core deposits | 127.2146% | 223 |
| Total domestic deposits to total assets | 80.0865% | 5,485 |
| Equity capital to assets | 9.9865% | 3,920 |
| Core capital (leverage) ratio | 10.3163% | 3,215 |
| Tier 1 risk-based capital ratio | 13.0338% | 5,100 |
| Total risk-based capital ratio | 14.2789% | 5,055 |
| Memoranda: | ||
| Average total assets | $403,717,500 | 1,643 |
| Average earning assets | $376,083,750 | 1,617 |
| Average equity | $40,691,250 | 1,731 |
| Average total loans | $352,901,250 | 1,210 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4060% | 442 |
| Cost of funding earning assets | 0.6067% | 2,878 |
| Net interest margin | 4.7994% | 436 |
| Noninterest income to average assets | 0.6601% | 2,855 |
| Noninterest expense to average assets | 3.1769% | 2,417 |
| Loan and lease loss provision to assets | 0.3552% | 932 |
| Net operating income to assets | 1.0266% | 2,212 |
| Return on assets (ROA) | 1.0169% | 2,383 |
| Pretax return on assets | 1.5806% | 1,420 |
| Return on Equity (ROE) | 10.0549% | 2,178 |
| Retained earnings to average equity (ytd only) | 10.0549% | 832 |
| Net charge-offs to loans | 0.4764% | 1,389 |
| Credit loss provision to net charge-offs | 85.5746% | 2,528 |
| Earnings coverage of net charge-offs (x) | 4.7005% | 3,059 |
| Efficiency ratio | 61.3497% | 5,275 |
| Assets per employee ($millions) | 4.8212% | 2,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 5,262 |
| Loan loss allowance to noncurrent loans | 278.9865% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.6371% | 4,639 |
| Noncurrent loans to loans | 0.4103% | 5,233 |
| Net loans and leases to total assets | 87.0192% | 116 |
| Net loans and leases to deposits | 109.5035% | 150 |
| Net loans and leases to core deposits | 128.0188% | 204 |
| Total domestic deposits to total assets | 79.4670% | 5,718 |
| Equity capital to assets | 10.0160% | 3,899 |
| Core capital (leverage) ratio | 10.2179% | 3,203 |
| Tier 1 risk-based capital ratio | 12.9020% | 5,220 |
| Total risk-based capital ratio | 14.1527% | 5,154 |
| Memoranda: | ||
| Average total assets | $394,155,000 | 1,678 |
| Average earning assets | $366,923,670 | 1,647 |
| Average equity | $39,861,000 | 1,768 |
| Average total loans | $343,385,000 | 1,234 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3880% | 438 |
| Cost of funding earning assets | 0.6333% | 2,814 |
| Net interest margin | 4.7547% | 437 |
| Noninterest income to average assets | 0.3790% | 4,629 |
| Noninterest expense to average assets | 3.1776% | 2,425 |
| Loan and lease loss provision to assets | 0.2588% | 1,378 |
| Net operating income to assets | 0.8668% | 2,827 |
| Return on assets (ROA) | 0.8542% | 3,019 |
| Pretax return on assets | 1.3460% | 2,054 |
| Return on Equity (ROE) | 8.4037% | 2,770 |
| Retained earnings to average equity (ytd only) | 8.4037% | 1,603 |
| Net charge-offs to loans | 0.5402% | 1,121 |
| Credit loss provision to net charge-offs | 55.3097% | 2,521 |
| Earnings coverage of net charge-offs (x) | 3.4712% | 2,758 |
| Efficiency ratio | 65.5239% | 4,741 |
| Assets per employee ($millions) | 4.7662% | 2,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 5,237 |
| Loan loss allowance to noncurrent loans | 292.4801% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.9521% | 4,021 |
| Noncurrent loans to loans | 0.4056% | 5,405 |
| Net loans and leases to total assets | 86.2031% | 117 |
| Net loans and leases to deposits | 104.2533% | 226 |
| Net loans and leases to core deposits | 122.0605% | 260 |
| Total domestic deposits to total assets | 82.6862% | 4,961 |
| Equity capital to assets | 10.1641% | 3,941 |
| Core capital (leverage) ratio | 10.1134% | 3,260 |
| Tier 1 risk-based capital ratio | 13.0998% | 5,147 |
| Total risk-based capital ratio | 14.3512% | 5,095 |
| Memoranda: | ||
| Average total assets | $386,330,500 | 1,733 |
| Average earning assets | $359,393,000 | 1,700 |
| Average equity | $39,268,500 | 1,804 |
| Average total loans | $334,709,000 | 1,272 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6927% | 438 |
| Cost of funding earning assets | 0.7106% | 3,405 |
| Net interest margin | 4.9821% | 397 |
| Noninterest income to average assets | 1.1609% | 1,155 |
| Noninterest expense to average assets | 3.2739% | 2,414 |
| Loan and lease loss provision to assets | 1.2627% | 279 |
| Net operating income to assets | 0.8012% | 3,281 |
| Return on assets (ROA) | 0.7713% | 3,660 |
| Pretax return on assets | 1.1955% | 2,824 |
| Return on Equity (ROE) | 8.4502% | 2,895 |
| Retained earnings to average equity (ytd only) | 8.4502% | 983 |
| Net charge-offs to loans | 1.5260% | 576 |
| Credit loss provision to net charge-offs | 95.6053% | 3,250 |
| Earnings coverage of net charge-offs (x) | 1.8960% | 4,474 |
| Efficiency ratio | 56.0707% | 6,050 |
| Assets per employee ($millions) | 4.7729% | 2,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 4,666 |
| Loan loss allowance to noncurrent loans | 141.3782% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 1.4129% | 3,283 |
| Noncurrent loans to loans | 0.9145% | 4,353 |
| Net loans and leases to total assets | 84.9115% | 177 |
| Net loans and leases to deposits | 101.5899% | 345 |
| Net loans and leases to core deposits | 117.6247% | 324 |
| Total domestic deposits to total assets | 83.5827% | 4,504 |
| Equity capital to assets | 10.1649% | 3,937 |
| Core capital (leverage) ratio | 10.4115% | 2,871 |
| Tier 1 risk-based capital ratio | 13.2542% | 4,931 |
| Total risk-based capital ratio | 14.5058% | 4,874 |
| Memoranda: | ||
| Average total assets | $358,353,000 | 1,814 |
| Average earning assets | $332,108,800 | 1,781 |
| Average equity | $32,709,400 | 2,111 |
| Average total loans | $310,157,600 | 1,354 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8178% | 391 |
| Cost of funding earning assets | 0.7296% | 3,520 |
| Net interest margin | 5.0882% | 346 |
| Noninterest income to average assets | 1.0330% | 1,416 |
| Noninterest expense to average assets | 3.2197% | 2,500 |
| Loan and lease loss provision to assets | 1.3901% | 238 |
| Net operating income to assets | 0.7309% | 3,769 |
| Return on assets (ROA) | 0.6926% | 4,204 |
| Pretax return on assets | 1.0701% | 3,464 |
| Return on Equity (ROE) | 7.8287% | 3,354 |
| Retained earnings to average equity (ytd only) | 7.8287% | 1,693 |
| Net charge-offs to loans | 1.6563% | 499 |
| Credit loss provision to net charge-offs | 96.8124% | 3,088 |
| Earnings coverage of net charge-offs (x) | 1.7545% | 4,392 |
| Efficiency ratio | 55.4970% | 6,105 |
| Assets per employee ($millions) | 4.7620% | 2,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 4,406 |
| Loan loss allowance to noncurrent loans | 122.7131% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 1.6265% | 3,148 |
| Noncurrent loans to loans | 1.1350% | 4,160 |
| Net loans and leases to total assets | 83.6586% | 243 |
| Net loans and leases to deposits | 96.2233% | 641 |
| Net loans and leases to core deposits | 110.9173% | 540 |
| Total domestic deposits to total assets | 86.9421% | 2,703 |
| Equity capital to assets | 10.3304% | 4,042 |
| Core capital (leverage) ratio | 10.2675% | 3,202 |
| Tier 1 risk-based capital ratio | 13.7599% | 4,716 |
| Total risk-based capital ratio | 15.0140% | 4,668 |
| Memoranda: | ||
| Average total assets | $352,482,500 | 1,853 |
| Average earning assets | $326,002,750 | 1,842 |
| Average equity | $31,183,500 | 2,207 |
| Average total loans | $305,579,750 | 1,384 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8976% | 344 |
| Cost of funding earning assets | 0.7393% | 3,692 |
| Net interest margin | 5.1583% | 314 |
| Noninterest income to average assets | 1.0617% | 1,273 |
| Noninterest expense to average assets | 3.2201% | 2,523 |
| Loan and lease loss provision to assets | 1.4953% | 243 |
| Net operating income to assets | 0.7256% | 3,723 |
| Return on assets (ROA) | 0.6792% | 4,246 |
| Pretax return on assets | 1.0421% | 3,551 |
| Return on Equity (ROE) | 8.1584% | 3,185 |
| Retained earnings to average equity (ytd only) | 8.1584% | 1,580 |
| Net charge-offs to loans | 1.7159% | 525 |
| Credit loss provision to net charge-offs | 99.7698% | 2,782 |
| Earnings coverage of net charge-offs (x) | 1.7406% | 4,114 |
| Efficiency ratio | 54.6423% | 6,259 |
| Assets per employee ($millions) | 5.0002% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 4,261 |
| Loan loss allowance to noncurrent loans | 116.0407% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 1.8492% | 2,971 |
| Noncurrent loans to loans | 1.2470% | 4,058 |
| Net loans and leases to total assets | 85.3489% | 165 |
| Net loans and leases to deposits | 96.0551% | 630 |
| Net loans and leases to core deposits | 110.8839% | 548 |
| Total domestic deposits to total assets | 88.8541% | 1,602 |
| Equity capital to assets | 8.3400% | 6,344 |
| Core capital (leverage) ratio | 8.2804% | 5,944 |
| Tier 1 risk-based capital ratio | 10.8052% | 6,578 |
| Total risk-based capital ratio | 12.0597% | 6,560 |
| Memoranda: | ||
| Average total assets | $347,751,670 | 1,884 |
| Average earning assets | $321,387,670 | 1,862 |
| Average equity | $28,951,670 | 2,331 |
| Average total loans | $303,743,670 | 1,392 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9374% | 336 |
| Cost of funding earning assets | 0.7551% | 3,825 |
| Net interest margin | 5.1823% | 301 |
| Noninterest income to average assets | 1.2809% | 863 |
| Noninterest expense to average assets | 3.2198% | 2,533 |
| Loan and lease loss provision to assets | 1.7436% | 182 |
| Net operating income to assets | 0.7289% | 3,737 |
| Return on assets (ROA) | 0.6591% | 4,294 |
| Pretax return on assets | 0.9985% | 3,684 |
| Return on Equity (ROE) | 7.9236% | 3,316 |
| Retained earnings to average equity (ytd only) | 7.9236% | 2,010 |
| Net charge-offs to loans | 2.1279% | 425 |
| Credit loss provision to net charge-offs | 93.3998% | 2,485 |
| Earnings coverage of net charge-offs (x) | 1.5255% | 3,567 |
| Efficiency ratio | 52.4904% | 6,494 |
| Assets per employee ($millions) | 4.9098% | 2,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4410% | 4,412 |
| Loan loss allowance to noncurrent loans | 102.3529% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 1.7757% | 3,202 |
| Noncurrent loans to loans | 1.4078% | 3,996 |
| Net loans and leases to total assets | 85.3505% | 138 |
| Net loans and leases to deposits | 96.0502% | 533 |
| Net loans and leases to core deposits | 111.0356% | 498 |
| Total domestic deposits to total assets | 88.8603% | 1,784 |
| Equity capital to assets | 8.3219% | 6,252 |
| Core capital (leverage) ratio | 8.2386% | 5,967 |
| Tier 1 risk-based capital ratio | 10.8712% | 6,592 |
| Total risk-based capital ratio | 12.1226% | 6,581 |
| Memoranda: | ||
| Average total assets | $344,122,000 | 1,908 |
| Average earning assets | $317,850,000 | 1,889 |
| Average equity | $28,623,500 | 2,348 |
| Average total loans | $301,892,000 | 1,409 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1282% | 347 |
| Cost of funding earning assets | 0.9161% | 3,996 |
| Net interest margin | 5.2120% | 277 |
| Noninterest income to average assets | 0.3683% | 4,876 |
| Noninterest expense to average assets | 2.9222% | 3,870 |
| Loan and lease loss provision to assets | 1.3705% | 578 |
| Net operating income to assets | 0.5238% | 4,328 |
| Return on assets (ROA) | 0.4985% | 4,647 |
| Pretax return on assets | 0.7526% | 4,145 |
| Return on Equity (ROE) | 6.0941% | 3,823 |
| Retained earnings to average equity (ytd only) | 6.0941% | 1,963 |
| Net charge-offs to loans | 1.3873% | 1,179 |
| Credit loss provision to net charge-offs | 110.5503% | 3,018 |
| Earnings coverage of net charge-offs (x) | 1.7436% | 4,468 |
| Efficiency ratio | 56.7544% | 6,220 |
| Assets per employee ($millions) | 4.9948% | 2,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 4,124 |
| Loan loss allowance to noncurrent loans | 83.3645% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 2.3692% | 2,557 |
| Noncurrent loans to loans | 1.7701% | 3,505 |
| Net loans and leases to total assets | 87.5761% | 86 |
| Net loans and leases to deposits | 98.6269% | 520 |
| Net loans and leases to core deposits | 110.7372% | 598 |
| Total domestic deposits to total assets | 88.7954% | 1,661 |
| Equity capital to assets | 8.3137% | 6,337 |
| Core capital (leverage) ratio | 8.3261% | 5,823 |
| Tier 1 risk-based capital ratio | 10.7766% | 6,567 |
| Total risk-based capital ratio | 12.0267% | 6,550 |
| Memoranda: | ||
| Average total assets | $335,632,400 | 1,928 |
| Average earning assets | $303,664,000 | 1,932 |
| Average equity | $27,452,800 | 2,361 |
| Average total loans | $299,927,000 | 1,419 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2033% | 323 |
| Cost of funding earning assets | 0.9354% | 4,156 |
| Net interest margin | 5.2679% | 258 |
| Noninterest income to average assets | 0.3753% | 4,865 |
| Noninterest expense to average assets | 3.0126% | 3,512 |
| Loan and lease loss provision to assets | 1.3348% | 554 |
| Net operating income to assets | 0.5144% | 4,478 |
| Return on assets (ROA) | 0.4805% | 4,828 |
| Pretax return on assets | 0.7244% | 4,394 |
| Return on Equity (ROE) | 5.8993% | 4,065 |
| Retained earnings to average equity (ytd only) | 5.8993% | 2,614 |
| Net charge-offs to loans | 1.5104% | 960 |
| Credit loss provision to net charge-offs | 98.7618% | 3,460 |
| Earnings coverage of net charge-offs (x) | 1.5616% | 4,465 |
| Efficiency ratio | 58.0806% | 5,996 |
| Assets per employee ($millions) | 4.9195% | 2,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 4,926 |
| Loan loss allowance to noncurrent loans | 163.0851% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 1.6153% | 3,660 |
| Noncurrent loans to loans | 0.8080% | 5,252 |
| Net loans and leases to total assets | 88.3988% | 71 |
| Net loans and leases to deposits | 99.5967% | 488 |
| Net loans and leases to core deposits | 112.0087% | 605 |
| Total domestic deposits to total assets | 88.7567% | 1,578 |
| Equity capital to assets | 8.1809% | 6,577 |
| Core capital (leverage) ratio | 8.1790% | 6,158 |
| Tier 1 risk-based capital ratio | 10.2845% | 6,866 |
| Total risk-based capital ratio | 11.5202% | 6,852 |
| Memoranda: | ||
| Average total assets | $334,629,250 | 1,941 |
| Average earning assets | $301,594,000 | 1,951 |
| Average equity | $27,256,750 | 2,378 |
| Average total loans | $299,433,000 | 1,431 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2437% | 304 |
| Cost of funding earning assets | 0.9534% | 4,290 |
| Net interest margin | 5.2904% | 246 |
| Noninterest income to average assets | 0.5495% | 3,479 |
| Noninterest expense to average assets | 3.1487% | 3,085 |
| Loan and lease loss provision to assets | 1.2311% | 625 |
| Net operating income to assets | 0.6365% | 3,880 |
| Return on assets (ROA) | 0.6072% | 4,159 |
| Pretax return on assets | 0.9080% | 3,583 |
| Return on Equity (ROE) | 7.4652% | 3,210 |
| Retained earnings to average equity (ytd only) | 7.4652% | 1,674 |
| Net charge-offs to loans | 2.1028% | 621 |
| Credit loss provision to net charge-offs | 65.4534% | 4,189 |
| Earnings coverage of net charge-offs (x) | 1.1606% | 4,408 |
| Efficiency ratio | 58.3577% | 6,115 |
| Assets per employee ($millions) | 4.9600% | 2,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 6,352 |
| Loan loss allowance to noncurrent loans | 147.7828% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 1.5933% | 3,810 |
| Noncurrent loans to loans | 0.6745% | 5,557 |
| Net loans and leases to total assets | 87.3479% | 95 |
| Net loans and leases to deposits | 101.8978% | 398 |
| Net loans and leases to core deposits | 113.6479% | 587 |
| Total domestic deposits to total assets | 85.7210% | 3,485 |
| Equity capital to assets | 8.2018% | 6,512 |
| Core capital (leverage) ratio | 8.1612% | 6,086 |
| Tier 1 risk-based capital ratio | 10.9522% | 6,569 |
| Total risk-based capital ratio | 12.1328% | 6,580 |
| Memoranda: | ||
| Average total assets | $333,023,000 | 1,958 |
| Average earning assets | $301,038,000 | 1,971 |
| Average equity | $27,085,670 | 2,377 |
| Average total loans | $297,885,670 | 1,459 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2310% | 317 |
| Cost of funding earning assets | 1.0025% | 4,188 |
| Net interest margin | 5.2285% | 245 |
| Noninterest income to average assets | 0.7096% | 2,524 |
| Noninterest expense to average assets | 3.3848% | 2,321 |
| Loan and lease loss provision to assets | 0.9973% | 772 |
| Net operating income to assets | 0.6754% | 3,631 |
| Return on assets (ROA) | 0.6189% | 4,001 |
| Pretax return on assets | 0.9804% | 3,203 |
| Return on Equity (ROE) | 7.6426% | 3,075 |
| Retained earnings to average equity (ytd only) | 7.6426% | 1,866 |
| Net charge-offs to loans | 2.0816% | 606 |
| Credit loss provision to net charge-offs | 53.1915% | 3,688 |
| Earnings coverage of net charge-offs (x) | 1.1019% | 3,839 |
| Efficiency ratio | 61.4105% | 5,777 |
| Assets per employee ($millions) | 4.7402% | 2,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 5,962 |
| Loan loss allowance to noncurrent loans | 151.8502% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 1.5571% | 3,917 |
| Noncurrent loans to loans | 0.7387% | 5,537 |
| Net loans and leases to total assets | 89.5810% | 49 |
| Net loans and leases to deposits | 106.1187% | 249 |
| Net loans and leases to core deposits | 116.2262% | 521 |
| Total domestic deposits to total assets | 84.4159% | 4,318 |
| Equity capital to assets | 8.3161% | 6,141 |
| Core capital (leverage) ratio | 8.2465% | 5,906 |
| Tier 1 risk-based capital ratio | 10.8731% | 6,592 |
| Total risk-based capital ratio | 12.1229% | 6,571 |
| Memoranda: | ||
| Average total assets | $330,895,000 | 1,979 |
| Average earning assets | $300,048,000 | 1,986 |
| Average equity | $26,797,000 | 2,394 |
| Average total loans | $298,042,500 | 1,472 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3362% | 431 |
| Cost of funding earning assets | 1.3960% | 3,297 |
| Net interest margin | 4.9402% | 496 |
| Noninterest income to average assets | 0.9825% | 1,565 |
| Noninterest expense to average assets | 3.4281% | 2,358 |
| Loan and lease loss provision to assets | 1.3699% | 1,101 |
| Net operating income to assets | 0.4383% | 4,373 |
| Return on assets (ROA) | 0.4316% | 4,551 |
| Pretax return on assets | 0.6440% | 4,186 |
| Return on Equity (ROE) | 5.8387% | 3,678 |
| Retained earnings to average equity (ytd only) | 5.8387% | 1,913 |
| Net charge-offs to loans | 1.3481% | 1,657 |
| Credit loss provision to net charge-offs | 113.8311% | 3,819 |
| Earnings coverage of net charge-offs (x) | 1.6818% | 4,476 |
| Efficiency ratio | 62.7094% | 5,578 |
| Assets per employee ($millions) | 4.7816% | 2,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3514% | 4,740 |
| Loan loss allowance to noncurrent loans | 114.4350% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 1.7971% | 3,623 |
| Noncurrent loans to loans | 1.1809% | 4,743 |
| Net loans and leases to total assets | 88.3477% | 89 |
| Net loans and leases to deposits | 105.4074% | 347 |
| Net loans and leases to core deposits | 115.0062% | 677 |
| Total domestic deposits to total assets | 83.8154% | 4,444 |
| Equity capital to assets | 7.8855% | 6,598 |
| Core capital (leverage) ratio | 7.8891% | 6,334 |
| Tier 1 risk-based capital ratio | 10.4224% | 6,745 |
| Total risk-based capital ratio | 11.6724% | 6,726 |
| Memoranda: | ||
| Average total assets | $339,431,800 | 1,923 |
| Average earning assets | $307,093,400 | 1,940 |
| Average equity | $25,091,400 | 2,544 |
| Average total loans | $303,019,400 | 1,486 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3755% | 437 |
| Cost of funding earning assets | 1.4557% | 3,241 |
| Net interest margin | 4.9198% | 533 |
| Noninterest income to average assets | 0.8193% | 2,130 |
| Noninterest expense to average assets | 3.4936% | 2,044 |
| Loan and lease loss provision to assets | 1.2330% | 1,149 |
| Net operating income to assets | 0.3397% | 5,007 |
| Return on assets (ROA) | 0.3312% | 5,212 |
| Pretax return on assets | 0.5284% | 4,825 |
| Return on Equity (ROE) | 4.5546% | 4,526 |
| Retained earnings to average equity (ytd only) | 4.5546% | 3,303 |
| Net charge-offs to loans | 1.2959% | 1,576 |
| Credit loss provision to net charge-offs | 106.6712% | 4,009 |
| Earnings coverage of net charge-offs (x) | 1.5354% | 4,575 |
| Efficiency ratio | 66.3125% | 4,797 |
| Assets per employee ($millions) | 4.8708% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 5,552 |
| Loan loss allowance to noncurrent loans | 122.1559% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 1.7558% | 3,811 |
| Noncurrent loans to loans | 0.9716% | 5,293 |
| Net loans and leases to total assets | 88.6657% | 89 |
| Net loans and leases to deposits | 106.5254% | 340 |
| Net loans and leases to core deposits | 116.0252% | 745 |
| Total domestic deposits to total assets | 83.2343% | 4,488 |
| Equity capital to assets | 7.4425% | 7,156 |
| Core capital (leverage) ratio | 7.4446% | 6,886 |
| Tier 1 risk-based capital ratio | 10.0599% | 7,031 |
| Total risk-based capital ratio | 11.3098% | 7,012 |
| Memoranda: | ||
| Average total assets | $340,611,250 | 1,947 |
| Average earning assets | $308,025,750 | 1,962 |
| Average equity | $24,765,750 | 2,616 |
| Average total loans | $303,833,500 | 1,496 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3590% | 448 |
| Cost of funding earning assets | 1.5125% | 3,186 |
| Net interest margin | 4.8465% | 604 |
| Noninterest income to average assets | 0.9296% | 1,584 |
| Noninterest expense to average assets | 3.6309% | 1,705 |
| Loan and lease loss provision to assets | 1.2984% | 1,059 |
| Net operating income to assets | 0.2347% | 5,437 |
| Return on assets (ROA) | 0.2396% | 5,554 |
| Pretax return on assets | 0.3972% | 5,235 |
| Return on Equity (ROE) | 3.3222% | 5,094 |
| Retained earnings to average equity (ytd only) | 3.3222% | 3,995 |
| Net charge-offs to loans | 1.1178% | 1,697 |
| Credit loss provision to net charge-offs | 130.4864% | 3,080 |
| Earnings coverage of net charge-offs (x) | 1.6963% | 4,239 |
| Efficiency ratio | 68.2645% | 4,530 |
| Assets per employee ($millions) | 4.7366% | 2,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2877% | 4,995 |
| Loan loss allowance to noncurrent loans | 96.0836% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 1.7110% | 3,879 |
| Noncurrent loans to loans | 1.3402% | 4,707 |
| Net loans and leases to total assets | 89.8875% | 77 |
| Net loans and leases to deposits | 106.6778% | 363 |
| Net loans and leases to core deposits | 115.7140% | 857 |
| Total domestic deposits to total assets | 84.2608% | 3,981 |
| Equity capital to assets | 7.2849% | 7,233 |
| Core capital (leverage) ratio | 7.3963% | 6,923 |
| Tier 1 risk-based capital ratio | 9.8270% | 7,116 |
| Total risk-based capital ratio | 11.0765% | 7,099 |
| Memoranda: | ||
| Average total assets | $338,873,330 | 1,966 |
| Average earning assets | $306,901,670 | 1,986 |
| Average equity | $24,441,670 | 2,645 |
| Average total loans | $301,674,330 | 1,520 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2890% | 536 |
| Cost of funding earning assets | 1.5322% | 3,366 |
| Net interest margin | 4.7567% | 698 |
| Noninterest income to average assets | 1.2268% | 813 |
| Noninterest expense to average assets | 3.7372% | 1,440 |
| Loan and lease loss provision to assets | 1.6874% | 672 |
| Net operating income to assets | 0.0450% | 6,173 |
| Return on assets (ROA) | 0.1018% | 6,122 |
| Pretax return on assets | 0.1847% | 5,924 |
| Return on Equity (ROE) | 1.4191% | 5,986 |
| Retained earnings to average equity (ytd only) | 1.4191% | 5,230 |
| Net charge-offs to loans | 1.1937% | 1,427 |
| Credit loss provision to net charge-offs | 160.6539% | 2,246 |
| Earnings coverage of net charge-offs (x) | 1.6979% | 3,714 |
| Efficiency ratio | 67.6963% | 4,784 |
| Assets per employee ($millions) | 4.1195% | 3,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 4,730 |
| Loan loss allowance to noncurrent loans | 163.2711% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 1.1015% | 4,948 |
| Noncurrent loans to loans | 0.8213% | 5,671 |
| Net loans and leases to total assets | 87.6276% | 140 |
| Net loans and leases to deposits | 101.8508% | 650 |
| Net loans and leases to core deposits | 111.1200% | 1,214 |
| Total domestic deposits to total assets | 86.0353% | 3,140 |
| Equity capital to assets | 7.2182% | 7,272 |
| Core capital (leverage) ratio | 7.4453% | 6,900 |
| Tier 1 risk-based capital ratio | 10.0891% | 6,970 |
| Total risk-based capital ratio | 11.3425% | 6,962 |
| Memoranda: | ||
| Average total assets | $337,793,500 | 2,027 |
| Average earning assets | $304,914,500 | 2,051 |
| Average equity | $24,240,500 | 2,697 |
| Average total loans | $297,239,000 | 1,583 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4591% | 728 |
| Cost of funding earning assets | 2.3772% | 1,374 |
| Net interest margin | 4.0819% | 2,524 |
| Noninterest income to average assets | 0.9306% | 1,833 |
| Noninterest expense to average assets | 3.6350% | 2,067 |
| Loan and lease loss provision to assets | 1.3248% | 1,737 |
| Net operating income to assets | -0.1970% | 5,838 |
| Return on assets (ROA) | -0.1429% | 5,748 |
| Pretax return on assets | -0.1940% | 5,698 |
| Return on Equity (ROE) | -1.9085% | 5,845 |
| Retained earnings to average equity (ytd only) | -1.9085% | 5,496 |
| Net charge-offs to loans | 0.7463% | 2,960 |
| Credit loss provision to net charge-offs | 203.9599% | 1,897 |
| Earnings coverage of net charge-offs (x) | 1.6283% | 4,520 |
| Efficiency ratio | 77.4615% | 3,276 |
| Assets per employee ($millions) | 4.1702% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 5,450 |
| Loan loss allowance to noncurrent loans | 93.9353% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 1.3991% | 4,320 |
| Noncurrent loans to loans | 1.2600% | 4,833 |
| Net loans and leases to total assets | 86.1383% | 270 |
| Net loans and leases to deposits | 100.1842% | 884 |
| Net loans and leases to core deposits | 129.0181% | 1,331 |
| Total domestic deposits to total assets | 85.9799% | 3,029 |
| Equity capital to assets | 7.1341% | 7,302 |
| Core capital (leverage) ratio | 7.3918% | 6,896 |
| Tier 1 risk-based capital ratio | 10.2295% | 6,654 |
| Total risk-based capital ratio | 11.4797% | 6,627 |
| Memoranda: | ||
| Average total assets | $322,699,800 | 2,104 |
| Average earning assets | $297,410,600 | 2,092 |
| Average equity | $24,155,200 | 2,700 |
| Average total loans | $280,868,000 | 1,710 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4297% | 878 |
| Cost of funding earning assets | 2.5023% | 1,292 |
| Net interest margin | 3.9274% | 3,135 |
| Noninterest income to average assets | 0.8294% | 2,292 |
| Noninterest expense to average assets | 3.5171% | 2,237 |
| Loan and lease loss provision to assets | 0.9720% | 1,977 |
| Net operating income to assets | -0.0173% | 5,740 |
| Return on assets (ROA) | -0.0109% | 5,788 |
| Pretax return on assets | 0.0004% | 5,705 |
| Return on Equity (ROE) | -0.1434% | 5,801 |
| Retained earnings to average equity (ytd only) | -0.1434% | 5,244 |
| Net charge-offs to loans | 0.5310% | 3,096 |
| Credit loss provision to net charge-offs | 210.4072% | 2,090 |
| Earnings coverage of net charge-offs (x) | 2.0833% | 4,262 |
| Efficiency ratio | 78.5161% | 3,077 |
| Assets per employee ($millions) | 4.5376% | 2,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8682% | 6,894 |
| Loan loss allowance to noncurrent loans | 66.2559% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 1.1926% | 4,688 |
| Noncurrent loans to loans | 1.3103% | 4,749 |
| Net loans and leases to total assets | 81.5265% | 890 |
| Net loans and leases to deposits | 95.3802% | 1,660 |
| Net loans and leases to core deposits | 130.2826% | 1,420 |
| Total domestic deposits to total assets | 85.4753% | 2,983 |
| Equity capital to assets | 6.9004% | 7,639 |
| Core capital (leverage) ratio | 7.1447% | 7,312 |
| Tier 1 risk-based capital ratio | 10.4471% | 6,527 |
| Total risk-based capital ratio | 11.4883% | 6,684 |
| Memoranda: | ||
| Average total assets | $318,928,250 | 2,128 |
| Average earning assets | $296,409,000 | 2,114 |
| Average equity | $24,169,500 | 2,722 |
| Average total loans | $277,473,000 | 1,760 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5069% | 812 |
| Cost of funding earning assets | 2.6191% | 1,235 |
| Net interest margin | 3.8878% | 3,167 |
| Noninterest income to average assets | 0.6685% | 3,205 |
| Noninterest expense to average assets | 3.5573% | 2,168 |
| Loan and lease loss provision to assets | 0.8950% | 1,889 |
| Net operating income to assets | -0.1037% | 6,019 |
| Return on assets (ROA) | -0.0931% | 6,045 |
| Pretax return on assets | -0.1360% | 6,043 |
| Return on Equity (ROE) | -1.1875% | 6,098 |
| Retained earnings to average equity (ytd only) | -1.1875% | 5,532 |
| Net charge-offs to loans | 0.5833% | 2,582 |
| Credit loss provision to net charge-offs | 172.7387% | 2,662 |
| Earnings coverage of net charge-offs (x) | 1.4347% | 4,455 |
| Efficiency ratio | 82.7153% | 2,636 |
| Assets per employee ($millions) | 4.1667% | 3,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6647% | 7,501 |
| Loan loss allowance to noncurrent loans | 59.7403% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 1.1477% | 4,648 |
| Noncurrent loans to loans | 1.1126% | 4,992 |
| Net loans and leases to total assets | 86.7290% | 323 |
| Net loans and leases to deposits | 109.9285% | 553 |
| Net loans and leases to core deposits | 160.7446% | 441 |
| Total domestic deposits to total assets | 78.8959% | 5,841 |
| Equity capital to assets | 7.5169% | 7,244 |
| Core capital (leverage) ratio | 7.7459% | 6,678 |
| Tier 1 risk-based capital ratio | 10.8063% | 6,075 |
| Total risk-based capital ratio | 11.6139% | 6,454 |
| Memoranda: | ||
| Average total assets | $307,259,670 | 2,217 |
| Average earning assets | $287,050,330 | 2,182 |
| Average equity | $24,085,000 | 2,744 |
| Average total loans | $272,938,330 | 1,808 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5873% | 726 |
| Cost of funding earning assets | 2.7403% | 1,139 |
| Net interest margin | 3.8470% | 3,258 |
| Noninterest income to average assets | 0.6837% | 2,982 |
| Noninterest expense to average assets | 3.4479% | 2,237 |
| Loan and lease loss provision to assets | 0.6032% | 2,092 |
| Net operating income to assets | 0.1295% | 5,887 |
| Return on assets (ROA) | 0.1501% | 5,988 |
| Pretax return on assets | 0.2574% | 5,793 |
| Return on Equity (ROE) | 1.8735% | 5,817 |
| Retained earnings to average equity (ytd only) | 1.8735% | 4,811 |
| Net charge-offs to loans | 0.4246% | 2,400 |
| Credit loss provision to net charge-offs | 158.4507% | 2,667 |
| Earnings coverage of net charge-offs (x) | 2.1761% | 3,653 |
| Efficiency ratio | 80.6270% | 2,719 |
| Assets per employee ($millions) | 4.1005% | 3,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5442% | 7,765 |
| Loan loss allowance to noncurrent loans | 65.7730% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 1.2886% | 4,105 |
| Noncurrent loans to loans | 0.8274% | 5,376 |
| Net loans and leases to total assets | 88.6549% | 218 |
| Net loans and leases to deposits | 106.8416% | 806 |
| Net loans and leases to core deposits | 147.6138% | 793 |
| Total domestic deposits to total assets | 82.9779% | 4,159 |
| Equity capital to assets | 7.9879% | 6,829 |
| Core capital (leverage) ratio | 8.3666% | 5,777 |
| Tier 1 risk-based capital ratio | 11.9850% | 4,979 |
| Total risk-based capital ratio | 12.6770% | 5,377 |
| Memoranda: | ||
| Average total assets | $298,388,000 | 2,278 |
| Average earning assets | $278,657,000 | 2,245 |
| Average equity | $23,912,500 | 2,778 |
| Average total loans | $267,528,500 | 1,858 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7370% | 1,913 |
| Cost of funding earning assets | 3.0585% | 1,648 |
| Net interest margin | 3.6785% | 4,560 |
| Noninterest income to average assets | 0.7892% | 2,579 |
| Noninterest expense to average assets | 3.5208% | 2,339 |
| Loan and lease loss provision to assets | 0.4119% | 3,225 |
| Net operating income to assets | 0.1865% | 5,885 |
| Return on assets (ROA) | 0.1870% | 5,710 |
| Pretax return on assets | 0.3020% | 5,507 |
| Return on Equity (ROE) | 2.2559% | 5,521 |
| Retained earnings to average equity (ytd only) | 2.2559% | 3,806 |
| Net charge-offs to loans | 0.2561% | 3,712 |
| Credit loss provision to net charge-offs | 175.9113% | 2,886 |
| Earnings coverage of net charge-offs (x) | 3.0460% | 4,562 |
| Efficiency ratio | 83.1566% | 2,157 |
| Assets per employee ($millions) | 3.9641% | 3,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4936% | 7,861 |
| Loan loss allowance to noncurrent loans | 104.3965% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 0.8529% | 4,712 |
| Noncurrent loans to loans | 0.4728% | 5,927 |
| Net loans and leases to total assets | 89.7484% | 214 |
| Net loans and leases to deposits | 116.3306% | 510 |
| Net loans and leases to core deposits | 154.7276% | 692 |
| Total domestic deposits to total assets | 77.1495% | 5,953 |
| Equity capital to assets | 8.0408% | 6,791 |
| Core capital (leverage) ratio | 8.2887% | 5,974 |
| Tier 1 risk-based capital ratio | 11.7712% | 5,005 |
| Total risk-based capital ratio | 12.4018% | 5,480 |
| Memoranda: | ||
| Average total assets | $269,511,400 | 2,387 |
| Average earning assets | $252,382,200 | 2,352 |
| Average equity | $22,341,600 | 2,930 |
| Average total loans | $246,350,800 | 1,931 |