Home > South Central Bank, Inc. > Performance and Condition Ratios
South Central Bank, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0317% | 18 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 277,979.0000% | 6 |
| Cost of funding earning assets | 1,458.0000% | 6 |
| Net interest margin | 3.0000% | 3,281 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 1.1408% | 1,779 |
| Pretax return on assets | 1.5056% | 1,403 |
| Return on Equity (ROE) | 13.6700% | 1,564 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0032% | 2,657 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 5.6901% | 2,514 |
| Efficiency ratio | 0.3776% | 4,578 |
| Assets per employee ($millions) | 0.1115% | 4,557 |
| Cash dividends to net income (ytd only)* | 788.0000% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 3.0000% | 72 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 47,184.0000% | 3 |
| Total domestic deposits to total assets | 1,083.0000% | 12 |
| Equity capital to assets | 37,567.0000% | 20 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $8,721,000 | 4,569 |
| Average earning assets | $9,714 | 4,550 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8791% | 2,108 |
| Cost of funding earning assets | 1.5070% | 1,584 |
| Net interest margin | 3.3721% | 2,517 |
| Noninterest income to average assets | 0.7500% | 1,046 |
| Noninterest expense to average assets | 2.3652% | 2,614 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.1349% | 1,956 |
| Return on assets (ROA) | 1.1349% | 1,932 |
| Pretax return on assets | 1.4979% | 1,559 |
| Return on Equity (ROE) | 13.6300% | 1,761 |
| Retained earnings to average equity (ytd only) | 8.1094% | 1,923 |
| Net charge-offs to loans | 0.0148% | 1,868 |
| Credit loss provision to net charge-offs | 794.5578% | 468 |
| Earnings coverage of net charge-offs (x) | 140.9388% | 764 |
| Efficiency ratio | 59.6902% | 3,001 |
| Assets per employee ($millions) | 6.4812% | 2,340 |
| Cash dividends to net income (ytd only)* | 40.5050% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 3,368 |
| Loan loss allowance to noncurrent loans | 123.9299% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.6355% | 916 |
| Noncurrent loans to loans | 0.8072% | 1,028 |
| Net loans and leases to total assets | 77.9400% | 893 |
| Net loans and leases to deposits | 87.9155% | 1,396 |
| Net loans and leases to core deposits | 95.3431% | 1,592 |
| Total domestic deposits to total assets | 88.6500% | 1,361 |
| Equity capital to assets | 8.2614% | 2,878 |
| Core capital (leverage) ratio | 9.6586% | 3,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4752% | 2,455 |
| Memoranda: | ||
| Average total assets | $1,740,222,250 | 643 |
| Average earning assets | $1,652,043,500 | 620 |
| Average equity | $144,898,500 | 684 |
| Average total loans | $1,323,815,750 | 572 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7110% | 2,184 |
| Cost of funding earning assets | 1.3324% | 1,627 |
| Net interest margin | 3.3786% | 2,575 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 2.3348% | 2,695 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.1494% | 1,969 |
| Return on assets (ROA) | 1.1495% | 1,966 |
| Pretax return on assets | 1.5191% | 1,559 |
| Return on Equity (ROE) | 13.7700% | 1,730 |
| Retained earnings to average equity (ytd only) | 8.2519% | 1,890 |
| Net charge-offs to loans | 0.0135% | 1,684 |
| Credit loss provision to net charge-offs | 842.0455% | 461 |
| Earnings coverage of net charge-offs (x) | 158.3295% | 727 |
| Efficiency ratio | 59.1213% | 3,065 |
| Assets per employee ($millions) | 6.4142% | 2,367 |
| Cash dividends to net income (ytd only)* | 40.0681% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 3,413 |
| Loan loss allowance to noncurrent loans | 124.4710% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.6177% | 865 |
| Noncurrent loans to loans | 0.8045% | 947 |
| Net loans and leases to total assets | 76.0000% | 1,052 |
| Net loans and leases to deposits | 86.2203% | 1,481 |
| Net loans and leases to core deposits | 93.3782% | 1,604 |
| Total domestic deposits to total assets | 88.1500% | 1,551 |
| Equity capital to assets | 8.3997% | 2,948 |
| Core capital (leverage) ratio | 9.6618% | 3,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4842% | 2,471 |
| Memoranda: | ||
| Average total assets | $1,736,991,667 | 630 |
| Average earning assets | $1,649,669,667 | 611 |
| Average equity | $145,009,000 | 680 |
| Average total loans | $1,305,874,667 | 566 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5470% | 2,198 |
| Cost of funding earning assets | 1.1606% | 1,560 |
| Net interest margin | 3.3864% | 2,670 |
| Noninterest income to average assets | 0.7500% | 973 |
| Noninterest expense to average assets | 2.3218% | 2,759 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.2043% | 1,921 |
| Return on assets (ROA) | 1.2043% | 1,880 |
| Pretax return on assets | 1.5918% | 1,483 |
| Return on Equity (ROE) | 14.4700% | 1,669 |
| Retained earnings to average equity (ytd only) | 8.9240% | 1,970 |
| Net charge-offs to loans | 0.0118% | 1,507 |
| Credit loss provision to net charge-offs | 673.6842% | 469 |
| Earnings coverage of net charge-offs (x) | 188.2368% | 525 |
| Efficiency ratio | 58.2932% | 3,166 |
| Assets per employee ($millions) | 6.3424% | 2,460 |
| Cash dividends to net income (ytd only)* | 38.3289% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 3,499 |
| Loan loss allowance to noncurrent loans | 682.6933% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.1193% | 2,678 |
| Noncurrent loans to loans | 0.1471% | 2,759 |
| Net loans and leases to total assets | 73.8700% | 1,220 |
| Net loans and leases to deposits | 83.8932% | 1,507 |
| Net loans and leases to core deposits | 89.6833% | 1,633 |
| Total domestic deposits to total assets | 88.0500% | 1,910 |
| Equity capital to assets | 8.4927% | 2,900 |
| Core capital (leverage) ratio | 9.4645% | 3,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0363% | 1,614 |
| Memoranda: | ||
| Average total assets | $1,733,154,500 | 644 |
| Average earning assets | $1,649,443,000 | 622 |
| Average equity | $144,240,500 | 697 |
| Average total loans | $1,289,115,500 | 581 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8465% | 2,149 |
| Cost of funding earning assets | 0.4563% | 1,676 |
| Net interest margin | 3.3902% | 2,291 |
| Noninterest income to average assets | 0.8400% | 914 |
| Noninterest expense to average assets | 2.4261% | 2,346 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.1701% | 1,893 |
| Return on assets (ROA) | 1.1707% | 1,827 |
| Pretax return on assets | 1.5420% | 1,317 |
| Return on Equity (ROE) | 13.3000% | 1,708 |
| Retained earnings to average equity (ytd only) | 7.7449% | 1,937 |
| Net charge-offs to loans | 0.0153% | 1,817 |
| Credit loss provision to net charge-offs | 973.5135% | 443 |
| Earnings coverage of net charge-offs (x) | 145.9892% | 803 |
| Efficiency ratio | 59.3447% | 3,144 |
| Assets per employee ($millions) | 6.4016% | 2,416 |
| Cash dividends to net income (ytd only)* | 41.7842% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0309% | 3,196 |
| Loan loss allowance to noncurrent loans | 636.2764% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 2,686 |
| Noncurrent loans to loans | 0.1620% | 2,680 |
| Net loans and leases to total assets | 73.3800% | 1,275 |
| Net loans and leases to deposits | 83.6930% | 1,490 |
| Net loans and leases to core deposits | 87.9532% | 1,613 |
| Total domestic deposits to total assets | 87.6800% | 2,186 |
| Equity capital to assets | 8.1525% | 2,963 |
| Core capital (leverage) ratio | 9.5138% | 3,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7981% | 1,691 |
| Memoranda: | ||
| Average total assets | $1,635,448,000 | 666 |
| Average earning assets | $1,561,332,000 | 634 |
| Average equity | $143,914,600 | 701 |
| Average total loans | $1,209,963,800 | 577 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7059% | 2,029 |
| Cost of funding earning assets | 0.3544% | 1,666 |
| Net interest margin | 3.3514% | 2,132 |
| Noninterest income to average assets | 0.9000% | 820 |
| Noninterest expense to average assets | 2.4539% | 2,146 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.1451% | 1,912 |
| Return on assets (ROA) | 1.1459% | 1,882 |
| Pretax return on assets | 1.5188% | 1,360 |
| Return on Equity (ROE) | 12.7700% | 1,785 |
| Retained earnings to average equity (ytd only) | 9.0790% | 1,621 |
| Net charge-offs to loans | 0.0188% | 1,464 |
| Credit loss provision to net charge-offs | 932.1429% | 424 |
| Earnings coverage of net charge-offs (x) | 118.4583% | 855 |
| Efficiency ratio | 59.6762% | 3,154 |
| Assets per employee ($millions) | 6.2126% | 2,563 |
| Cash dividends to net income (ytd only)* | 28.8976% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 3,291 |
| Loan loss allowance to noncurrent loans | 582.4922% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 2,646 |
| Noncurrent loans to loans | 0.1790% | 2,692 |
| Net loans and leases to total assets | 75.7700% | 927 |
| Net loans and leases to deposits | 86.0336% | 1,168 |
| Net loans and leases to core deposits | 90.0967% | 1,289 |
| Total domestic deposits to total assets | 88.0700% | 2,411 |
| Equity capital to assets | 8.4942% | 2,551 |
| Core capital (leverage) ratio | 9.6842% | 2,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8818% | 1,201 |
| Memoranda: | ||
| Average total assets | $1,610,599,250 | 668 |
| Average earning assets | $1,540,152,000 | 645 |
| Average equity | $144,535,000 | 708 |
| Average total loans | $1,190,887,250 | 579 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5568% | 1,971 |
| Cost of funding earning assets | 0.2972% | 1,737 |
| Net interest margin | 3.2596% | 2,030 |
| Noninterest income to average assets | 0.9280% | 791 |
| Noninterest expense to average assets | 2.4363% | 2,125 |
| Loan and lease loss provision to assets | 0.1620% | 570 |
| Net operating income to assets | 1.1009% | 1,768 |
| Return on assets (ROA) | 1.1021% | 1,739 |
| Pretax return on assets | 1.4531% | 1,303 |
| Return on Equity (ROE) | 12.0614% | 1,652 |
| Retained earnings to average equity (ytd only) | 6.5988% | 2,135 |
| Net charge-offs to loans | 0.0176% | 1,389 |
| Credit loss provision to net charge-offs | 1,260.1942% | 342 |
| Earnings coverage of net charge-offs (x) | 125.5437% | 716 |
| Efficiency ratio | 60.0012% | 3,295 |
| Assets per employee ($millions) | 5.9337% | 2,801 |
| Cash dividends to net income (ytd only)* | 45.2899% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0383% | 3,427 |
| Loan loss allowance to noncurrent loans | 485.2230% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.1639% | 2,556 |
| Noncurrent loans to loans | 0.2140% | 2,651 |
| Net loans and leases to total assets | 75.8168% | 746 |
| Net loans and leases to deposits | 85.9338% | 977 |
| Net loans and leases to core deposits | 88.2999% | 1,204 |
| Total domestic deposits to total assets | 88.2270% | 2,489 |
| Equity capital to assets | 8.5960% | 2,694 |
| Core capital (leverage) ratio | 9.5455% | 2,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4166% | 1,324 |
| Memoranda: | ||
| Average total assets | $1,602,829,333 | 665 |
| Average earning assets | $1,535,100,000 | 648 |
| Average equity | $146,451,000 | 703 |
| Average total loans | $1,170,820,333 | 579 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4370% | 1,983 |
| Cost of funding earning assets | 0.2816% | 1,803 |
| Net interest margin | 3.1554% | 2,008 |
| Noninterest income to average assets | 0.9213% | 807 |
| Noninterest expense to average assets | 2.4349% | 2,059 |
| Loan and lease loss provision to assets | 0.1290% | 635 |
| Net operating income to assets | 1.0701% | 1,623 |
| Return on assets (ROA) | 1.0701% | 1,612 |
| Pretax return on assets | 1.3879% | 1,279 |
| Return on Equity (ROE) | 11.3714% | 1,498 |
| Retained earnings to average equity (ytd only) | 6.0489% | 2,238 |
| Net charge-offs to loans | 0.0366% | 930 |
| Credit loss provision to net charge-offs | 495.1923% | 525 |
| Earnings coverage of net charge-offs (x) | 58.2404% | 862 |
| Efficiency ratio | 61.4512% | 3,330 |
| Assets per employee ($millions) | 5.7874% | 3,018 |
| Cash dividends to net income (ytd only)* | 46.8055% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 3,584 |
| Loan loss allowance to noncurrent loans | 367.1642% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.2048% | 2,403 |
| Noncurrent loans to loans | 0.2814% | 2,461 |
| Net loans and leases to total assets | 72.0198% | 831 |
| Net loans and leases to deposits | 81.9894% | 1,013 |
| Net loans and leases to core deposits | 84.4215% | 1,221 |
| Total domestic deposits to total assets | 87.8404% | 2,601 |
| Equity capital to assets | 9.0771% | 2,647 |
| Core capital (leverage) ratio | 9.6646% | 2,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5010% | 1,385 |
| Memoranda: | ||
| Average total assets | $1,597,255,500 | 670 |
| Average earning assets | $1,534,010,000 | 649 |
| Average equity | $150,307,500 | 705 |
| Average total loans | $1,137,978,000 | 587 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7196% | 2,057 |
| Cost of funding earning assets | 0.3518% | 1,922 |
| Net interest margin | 3.3678% | 2,119 |
| Noninterest income to average assets | 1.2456% | 682 |
| Noninterest expense to average assets | 2.4913% | 2,203 |
| Loan and lease loss provision to assets | 0.0462% | 2,135 |
| Net operating income to assets | 1.4748% | 1,074 |
| Return on assets (ROA) | 1.4748% | 1,127 |
| Pretax return on assets | 1.9427% | 674 |
| Return on Equity (ROE) | 15.3084% | 883 |
| Retained earnings to average equity (ytd only) | 9.3234% | 1,094 |
| Net charge-offs to loans | 0.0124% | 2,103 |
| Credit loss provision to net charge-offs | 563.2813% | 754 |
| Earnings coverage of net charge-offs (x) | 242.5313% | 474 |
| Efficiency ratio | 55.4597% | 3,759 |
| Assets per employee ($millions) | 5.8080% | 2,943 |
| Cash dividends to net income (ytd only)* | 39.0964% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 3,575 |
| Loan loss allowance to noncurrent loans | 275.0768% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.2660% | 2,216 |
| Noncurrent loans to loans | 0.3816% | 2,222 |
| Net loans and leases to total assets | 68.9770% | 1,150 |
| Net loans and leases to deposits | 79.1981% | 1,280 |
| Net loans and leases to core deposits | 81.8642% | 1,471 |
| Total domestic deposits to total assets | 87.0943% | 2,478 |
| Equity capital to assets | 9.7461% | 2,892 |
| Core capital (leverage) ratio | 9.7910% | 2,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3981% | 1,414 |
| Memoranda: | ||
| Average total assets | $1,560,894,600 | 665 |
| Average earning assets | $1,499,125,200 | 638 |
| Average equity | $150,374,600 | 710 |
| Average total loans | $1,035,454,200 | 635 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7758% | 2,073 |
| Cost of funding earning assets | 0.3704% | 1,934 |
| Net interest margin | 3.4053% | 2,140 |
| Noninterest income to average assets | 1.2929% | 701 |
| Noninterest expense to average assets | 2.4695% | 2,212 |
| Loan and lease loss provision to assets | 0.0187% | 2,632 |
| Net operating income to assets | 1.5707% | 1,099 |
| Return on assets (ROA) | 1.5707% | 1,147 |
| Pretax return on assets | 2.0746% | 705 |
| Return on Equity (ROE) | 16.3524% | 878 |
| Retained earnings to average equity (ytd only) | 10.9904% | 1,066 |
| Net charge-offs to loans | 0.0055% | 2,125 |
| Credit loss provision to net charge-offs | 519.0476% | 745 |
| Earnings coverage of net charge-offs (x) | 580.6429% | 262 |
| Efficiency ratio | 53.9751% | 3,817 |
| Assets per employee ($millions) | 5.5614% | 3,134 |
| Cash dividends to net income (ytd only)* | 32.7905% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 3,452 |
| Loan loss allowance to noncurrent loans | 130.7137% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.5596% | 1,375 |
| Noncurrent loans to loans | 0.8398% | 1,361 |
| Net loans and leases to total assets | 65.9029% | 1,564 |
| Net loans and leases to deposits | 76.1161% | 1,658 |
| Net loans and leases to core deposits | 78.7790% | 1,835 |
| Total domestic deposits to total assets | 86.5821% | 2,515 |
| Equity capital to assets | 10.1130% | 2,793 |
| Core capital (leverage) ratio | 9.9256% | 2,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5043% | 1,484 |
| Memoranda: | ||
| Average total assets | $1,553,269,250 | 674 |
| Average earning assets | $1,491,506,750 | 647 |
| Average equity | $149,193,500 | 724 |
| Average total loans | $1,016,982,250 | 661 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5129% | 2,857 |
| Cost of funding earning assets | 0.3919% | 1,956 |
| Net interest margin | 3.1210% | 2,981 |
| Noninterest income to average assets | 1.3911% | 611 |
| Noninterest expense to average assets | 2.4103% | 2,427 |
| Loan and lease loss provision to assets | 0.0181% | 2,598 |
| Net operating income to assets | 1.4841% | 1,339 |
| Return on assets (ROA) | 1.4841% | 1,398 |
| Pretax return on assets | 1.9574% | 905 |
| Return on Equity (ROE) | 15.7234% | 1,011 |
| Retained earnings to average equity (ytd only) | 10.2879% | 1,316 |
| Net charge-offs to loans | -0.0065% | 3,514 |
| Credit loss provision to net charge-offs | -427.2727% | 3,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8047% | 3,700 |
| Assets per employee ($millions) | 5.8557% | 2,756 |
| Cash dividends to net income (ytd only)* | 34.5692% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 3,395 |
| Loan loss allowance to noncurrent loans | 110.8314% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.6454% | 1,286 |
| Noncurrent loans to loans | 0.9956% | 1,241 |
| Net loans and leases to total assets | 64.1067% | 1,935 |
| Net loans and leases to deposits | 74.4925% | 1,952 |
| Net loans and leases to core deposits | 77.4779% | 2,096 |
| Total domestic deposits to total assets | 86.0579% | 2,721 |
| Equity capital to assets | 9.6015% | 3,251 |
| Core capital (leverage) ratio | 9.9102% | 2,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1938% | 1,562 |
| Memoranda: | ||
| Average total assets | $1,559,379,667 | 663 |
| Average earning assets | $1,496,299,333 | 636 |
| Average equity | $147,182,000 | 728 |
| Average total loans | $1,015,044,333 | 666 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3399% | 3,366 |
| Cost of funding earning assets | 0.4226% | 1,918 |
| Net interest margin | 2.9173% | 3,473 |
| Noninterest income to average assets | 1.4362% | 652 |
| Noninterest expense to average assets | 2.3803% | 2,560 |
| Loan and lease loss provision to assets | 0.0188% | 2,536 |
| Net operating income to assets | 1.3937% | 1,590 |
| Return on assets (ROA) | 1.3937% | 1,665 |
| Pretax return on assets | 1.8368% | 1,224 |
| Return on Equity (ROE) | 14.8962% | 1,240 |
| Retained earnings to average equity (ytd only) | 9.3954% | 1,827 |
| Net charge-offs to loans | 0.0016% | 1,876 |
| Credit loss provision to net charge-offs | 1,825.0000% | 260 |
| Earnings coverage of net charge-offs (x) | 1,802.7500% | 43 |
| Efficiency ratio | 56.0355% | 3,541 |
| Assets per employee ($millions) | 6.0605% | 2,538 |
| Cash dividends to net income (ytd only)* | 36.9276% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0861% | 3,503 |
| Loan loss allowance to noncurrent loans | 84.4985% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 0.8163% | 1,085 |
| Noncurrent loans to loans | 1.2854% | 1,010 |
| Net loans and leases to total assets | 62.8187% | 2,193 |
| Net loans and leases to deposits | 73.6688% | 2,143 |
| Net loans and leases to core deposits | 77.1067% | 2,259 |
| Total domestic deposits to total assets | 85.2718% | 3,004 |
| Equity capital to assets | 9.0937% | 3,601 |
| Core capital (leverage) ratio | 9.8683% | 2,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3946% | 1,773 |
| Memoranda: | ||
| Average total assets | $1,554,402,500 | 660 |
| Average earning assets | $1,491,796,000 | 629 |
| Average equity | $145,433,000 | 731 |
| Average total loans | $1,013,930,000 | 669 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9343% | 2,923 |
| Cost of funding earning assets | 0.7194% | 1,621 |
| Net interest margin | 3.2149% | 3,318 |
| Noninterest income to average assets | 1.3878% | 606 |
| Noninterest expense to average assets | 2.8233% | 1,885 |
| Loan and lease loss provision to assets | 0.0757% | 3,434 |
| Net operating income to assets | 1.2533% | 1,376 |
| Return on assets (ROA) | 1.2536% | 1,482 |
| Pretax return on assets | 1.5530% | 1,191 |
| Return on Equity (ROE) | 12.0649% | 1,303 |
| Retained earnings to average equity (ytd only) | 4.2305% | 2,693 |
| Net charge-offs to loans | 0.0154% | 2,800 |
| Credit loss provision to net charge-offs | 677.4834% | 1,010 |
| Earnings coverage of net charge-offs (x) | 145.7285% | 595 |
| Efficiency ratio | 63.2495% | 2,935 |
| Assets per employee ($millions) | 5.4824% | 2,859 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 3,460 |
| Loan loss allowance to noncurrent loans | 88.6634% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 0.8328% | 1,213 |
| Noncurrent loans to loans | 1.2414% | 1,111 |
| Net loans and leases to total assets | 66.3450% | 2,042 |
| Net loans and leases to deposits | 76.2372% | 2,261 |
| Net loans and leases to core deposits | 80.7229% | 2,300 |
| Total domestic deposits to total assets | 87.0244% | 1,934 |
| Equity capital to assets | 9.6390% | 3,467 |
| Core capital (leverage) ratio | 10.2221% | 2,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2056% | 1,777 |
| Memoranda: | ||
| Average total assets | $1,351,322,800 | 678 |
| Average earning assets | $1,287,869,400 | 656 |
| Average equity | $140,407,600 | 713 |
| Average total loans | $980,768,200 | 655 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0138% | 2,933 |
| Cost of funding earning assets | 0.7911% | 1,546 |
| Net interest margin | 3.2227% | 3,419 |
| Noninterest income to average assets | 1.3368% | 612 |
| Noninterest expense to average assets | 2.8226% | 1,907 |
| Loan and lease loss provision to assets | 0.0873% | 3,220 |
| Net operating income to assets | 1.1953% | 1,650 |
| Return on assets (ROA) | 1.1956% | 1,774 |
| Pretax return on assets | 1.4940% | 1,460 |
| Return on Equity (ROE) | 11.2751% | 1,596 |
| Retained earnings to average equity (ytd only) | 5.5381% | 2,309 |
| Net charge-offs to loans | 0.0075% | 2,854 |
| Credit loss provision to net charge-offs | 1,565.4545% | 597 |
| Earnings coverage of net charge-offs (x) | 283.4909% | 381 |
| Efficiency ratio | 63.9213% | 2,749 |
| Assets per employee ($millions) | 5.0454% | 3,192 |
| Cash dividends to net income (ytd only)* | 50.8820% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 3,469 |
| Loan loss allowance to noncurrent loans | 150.1709% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.5353% | 2,097 |
| Noncurrent loans to loans | 0.6980% | 2,049 |
| Net loans and leases to total assets | 75.8405% | 1,117 |
| Net loans and leases to deposits | 88.2691% | 1,453 |
| Net loans and leases to core deposits | 94.4563% | 1,597 |
| Total domestic deposits to total assets | 85.9196% | 2,102 |
| Equity capital to assets | 10.5434% | 2,755 |
| Core capital (leverage) ratio | 10.7983% | 2,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8073% | 1,890 |
| Memoranda: | ||
| Average total assets | $1,314,976,750 | 681 |
| Average earning assets | $1,251,347,000 | 655 |
| Average equity | $139,442,750 | 712 |
| Average total loans | $974,950,000 | 646 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0946% | 3,063 |
| Cost of funding earning assets | 0.8512% | 1,598 |
| Net interest margin | 3.2434% | 3,544 |
| Noninterest income to average assets | 1.1810% | 716 |
| Noninterest expense to average assets | 2.7850% | 2,130 |
| Loan and lease loss provision to assets | 0.0543% | 3,625 |
| Net operating income to assets | 1.1391% | 1,841 |
| Return on assets (ROA) | 1.1395% | 1,965 |
| Pretax return on assets | 1.4224% | 1,668 |
| Return on Equity (ROE) | 10.7245% | 1,730 |
| Retained earnings to average equity (ytd only) | 4.9220% | 2,515 |
| Net charge-offs to loans | 0.0055% | 2,766 |
| Credit loss provision to net charge-offs | 1,353.8462% | 648 |
| Earnings coverage of net charge-offs (x) | 368.3077% | 279 |
| Efficiency ratio | 65.1715% | 2,638 |
| Assets per employee ($millions) | 5.1731% | 2,973 |
| Cash dividends to net income (ytd only)* | 54.1052% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0395% | 3,367 |
| Loan loss allowance to noncurrent loans | 138.4605% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.5537% | 2,152 |
| Noncurrent loans to loans | 0.7508% | 2,004 |
| Net loans and leases to total assets | 72.9501% | 1,564 |
| Net loans and leases to deposits | 84.8759% | 1,904 |
| Net loans and leases to core deposits | 91.0957% | 1,982 |
| Total domestic deposits to total assets | 85.9491% | 2,032 |
| Equity capital to assets | 10.3337% | 2,898 |
| Core capital (leverage) ratio | 10.0484% | 2,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6017% | 1,958 |
| Memoranda: | ||
| Average total assets | $1,297,537,333 | 671 |
| Average earning assets | $1,232,170,000 | 651 |
| Average equity | $137,870,667 | 711 |
| Average total loans | $950,617,333 | 655 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2968% | 2,933 |
| Cost of funding earning assets | 0.9307% | 1,735 |
| Net interest margin | 3.3661% | 3,408 |
| Noninterest income to average assets | 0.8851% | 1,096 |
| Noninterest expense to average assets | 2.8412% | 2,303 |
| Loan and lease loss provision to assets | 0.0244% | 3,492 |
| Net operating income to assets | 0.9748% | 2,264 |
| Return on assets (ROA) | 0.9755% | 2,365 |
| Pretax return on assets | 1.2147% | 2,138 |
| Return on Equity (ROE) | 9.0458% | 2,094 |
| Retained earnings to average equity (ytd only) | 3.1623% | 3,013 |
| Net charge-offs to loans | 0.0235% | 1,897 |
| Credit loss provision to net charge-offs | 142.5926% | 1,613 |
| Earnings coverage of net charge-offs (x) | 72.2778% | 713 |
| Efficiency ratio | 69.4455% | 2,439 |
| Assets per employee ($millions) | 4.7581% | 2,921 |
| Cash dividends to net income (ytd only)* | 65.0407% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1063% | 3,172 |
| Loan loss allowance to noncurrent loans | 123.5529% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.6624% | 2,019 |
| Noncurrent loans to loans | 0.8954% | 1,823 |
| Net loans and leases to total assets | 73.1597% | 1,755 |
| Net loans and leases to deposits | 85.0805% | 2,104 |
| Net loans and leases to core deposits | 91.2274% | 2,229 |
| Total domestic deposits to total assets | 85.9888% | 2,006 |
| Equity capital to assets | 10.8945% | 2,952 |
| Core capital (leverage) ratio | 10.6969% | 2,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8400% | 1,961 |
| Memoranda: | ||
| Average total assets | $1,260,871,500 | 659 |
| Average earning assets | $1,196,508,000 | 641 |
| Average equity | $135,975,000 | 719 |
| Average total loans | $920,648,500 | 653 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5412% | 2,804 |
| Cost of funding earning assets | 0.9724% | 1,847 |
| Net interest margin | 3.5688% | 3,230 |
| Noninterest income to average assets | 1.0176% | 938 |
| Noninterest expense to average assets | 2.9087% | 2,267 |
| Loan and lease loss provision to assets | 0.0541% | 2,950 |
| Net operating income to assets | 1.1583% | 2,224 |
| Return on assets (ROA) | 1.1670% | 2,285 |
| Pretax return on assets | 1.4383% | 2,020 |
| Return on Equity (ROE) | 10.7161% | 1,995 |
| Retained earnings to average equity (ytd only) | 4.7691% | 2,551 |
| Net charge-offs to loans | 0.0237% | 2,929 |
| Credit loss provision to net charge-offs | 307.5472% | 901 |
| Earnings coverage of net charge-offs (x) | 84.1792% | 763 |
| Efficiency ratio | 66.0558% | 2,760 |
| Assets per employee ($millions) | 4.6537% | 3,018 |
| Cash dividends to net income (ytd only)* | 55.4963% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 2,912 |
| Loan loss allowance to noncurrent loans | 123.1430% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.6498% | 1,957 |
| Noncurrent loans to loans | 0.8994% | 1,712 |
| Net loans and leases to total assets | 71.2787% | 2,209 |
| Net loans and leases to deposits | 83.7858% | 2,356 |
| Net loans and leases to core deposits | 89.9542% | 2,432 |
| Total domestic deposits to total assets | 85.0726% | 2,463 |
| Equity capital to assets | 10.6763% | 3,280 |
| Core capital (leverage) ratio | 10.7660% | 2,704 |
| Tier 1 risk-based capital ratio | 13.9530% | 3,295 |
| Total risk-based capital ratio | 15.0533% | 3,273 |
| Memoranda: | ||
| Average total assets | $1,204,368,800 | 656 |
| Average earning assets | $1,138,256,800 | 637 |
| Average equity | $131,157,200 | 700 |
| Average total loans | $893,462,800 | 646 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5981% | 2,729 |
| Cost of funding earning assets | 0.9786% | 1,853 |
| Net interest margin | 3.6195% | 3,198 |
| Noninterest income to average assets | 0.9831% | 964 |
| Noninterest expense to average assets | 2.9212% | 2,192 |
| Loan and lease loss provision to assets | 0.0684% | 2,509 |
| Net operating income to assets | 1.1493% | 2,372 |
| Return on assets (ROA) | 1.1558% | 2,432 |
| Pretax return on assets | 1.4171% | 2,245 |
| Return on Equity (ROE) | 10.5576% | 2,186 |
| Retained earnings to average equity (ytd only) | 4.5537% | 3,120 |
| Net charge-offs to loans | 0.0353% | 2,374 |
| Credit loss provision to net charge-offs | 259.1489% | 1,057 |
| Earnings coverage of net charge-offs (x) | 55.9609% | 1,110 |
| Efficiency ratio | 66.2129% | 2,697 |
| Assets per employee ($millions) | 4.2774% | 3,515 |
| Cash dividends to net income (ytd only)* | 56.8679% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 2,956 |
| Loan loss allowance to noncurrent loans | 117.9792% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.7282% | 1,880 |
| Noncurrent loans to loans | 0.9444% | 1,705 |
| Net loans and leases to total assets | 76.0177% | 1,477 |
| Net loans and leases to deposits | 89.2756% | 1,781 |
| Net loans and leases to core deposits | 95.4541% | 2,042 |
| Total domestic deposits to total assets | 85.1494% | 2,370 |
| Equity capital to assets | 11.3804% | 2,759 |
| Core capital (leverage) ratio | 11.0274% | 2,618 |
| Tier 1 risk-based capital ratio | 13.9166% | 3,368 |
| Total risk-based capital ratio | 15.0224% | 3,344 |
| Memoranda: | ||
| Average total assets | $1,186,683,500 | 666 |
| Average earning assets | $1,119,855,500 | 650 |
| Average equity | $129,912,750 | 706 |
| Average total loans | $887,063,250 | 650 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5589% | 2,808 |
| Cost of funding earning assets | 0.9770% | 1,806 |
| Net interest margin | 3.5819% | 3,326 |
| Noninterest income to average assets | 0.9129% | 1,053 |
| Noninterest expense to average assets | 2.8649% | 2,371 |
| Loan and lease loss provision to assets | 0.0966% | 1,927 |
| Net operating income to assets | 1.0945% | 2,548 |
| Return on assets (ROA) | 1.0945% | 2,616 |
| Pretax return on assets | 1.3273% | 2,450 |
| Return on Equity (ROE) | 10.1298% | 2,330 |
| Retained earnings to average equity (ytd only) | 4.0566% | 3,216 |
| Net charge-offs to loans | 0.0336% | 2,187 |
| Credit loss provision to net charge-offs | 387.8378% | 738 |
| Earnings coverage of net charge-offs (x) | 57.1824% | 1,012 |
| Efficiency ratio | 66.5961% | 2,731 |
| Assets per employee ($millions) | 4.3105% | 3,418 |
| Cash dividends to net income (ytd only)* | 59.9539% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 2,885 |
| Loan loss allowance to noncurrent loans | 121.2718% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.7157% | 1,921 |
| Noncurrent loans to loans | 0.9346% | 1,748 |
| Net loans and leases to total assets | 75.3515% | 1,659 |
| Net loans and leases to deposits | 87.3170% | 2,082 |
| Net loans and leases to core deposits | 93.1408% | 2,315 |
| Total domestic deposits to total assets | 86.2965% | 1,894 |
| Equity capital to assets | 11.2319% | 2,832 |
| Core capital (leverage) ratio | 10.7238% | 2,874 |
| Tier 1 risk-based capital ratio | 13.8955% | 3,374 |
| Total risk-based capital ratio | 15.0215% | 3,332 |
| Memoranda: | ||
| Average total assets | $1,188,721,670 | 669 |
| Average earning assets | $1,120,346,670 | 648 |
| Average equity | $128,432,330 | 708 |
| Average total loans | $880,233,330 | 658 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4463% | 3,058 |
| Cost of funding earning assets | 0.9373% | 1,854 |
| Net interest margin | 3.5090% | 3,570 |
| Noninterest income to average assets | 0.8307% | 1,213 |
| Noninterest expense to average assets | 2.7599% | 2,706 |
| Loan and lease loss provision to assets | 0.0827% | 2,046 |
| Net operating income to assets | 1.0902% | 2,511 |
| Return on assets (ROA) | 1.0902% | 2,555 |
| Pretax return on assets | 1.2847% | 2,514 |
| Return on Equity (ROE) | 10.2906% | 2,244 |
| Retained earnings to average equity (ytd only) | 4.1276% | 3,266 |
| Net charge-offs to loans | -0.0358% | 4,712 |
| Credit loss provision to net charge-offs | -316.6667% | 3,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6586% | 2,844 |
| Assets per employee ($millions) | 4.5933% | 3,054 |
| Cash dividends to net income (ytd only)* | 59.8894% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 2,843 |
| Loan loss allowance to noncurrent loans | 119.5273% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.7054% | 1,993 |
| Noncurrent loans to loans | 0.9631% | 1,731 |
| Net loans and leases to total assets | 72.3565% | 2,098 |
| Net loans and leases to deposits | 84.6935% | 2,298 |
| Net loans and leases to core deposits | 90.0202% | 2,501 |
| Total domestic deposits to total assets | 85.4333% | 2,512 |
| Equity capital to assets | 10.7712% | 3,074 |
| Core capital (leverage) ratio | 10.8647% | 2,700 |
| Tier 1 risk-based capital ratio | 13.9754% | 3,346 |
| Total risk-based capital ratio | 15.1071% | 3,330 |
| Memoranda: | ||
| Average total assets | $1,194,695,000 | 668 |
| Average earning assets | $1,122,382,500 | 650 |
| Average equity | $126,561,500 | 717 |
| Average total loans | $871,908,500 | 665 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3033% | 3,104 |
| Cost of funding earning assets | 0.7934% | 1,555 |
| Net interest margin | 3.5098% | 3,672 |
| Noninterest income to average assets | 0.9201% | 1,129 |
| Noninterest expense to average assets | 2.8749% | 2,439 |
| Loan and lease loss provision to assets | 0.1145% | 1,922 |
| Net operating income to assets | 0.9971% | 3,023 |
| Return on assets (ROA) | 0.9912% | 3,046 |
| Pretax return on assets | 1.2306% | 2,774 |
| Return on Equity (ROE) | 9.5442% | 2,726 |
| Retained earnings to average equity (ytd only) | 3.9283% | 3,416 |
| Net charge-offs to loans | 0.1021% | 1,736 |
| Credit loss provision to net charge-offs | 154.4304% | 1,787 |
| Earnings coverage of net charge-offs (x) | 18.2394% | 2,148 |
| Efficiency ratio | 67.7990% | 2,579 |
| Assets per employee ($millions) | 4.4929% | 3,185 |
| Cash dividends to net income (ytd only)* | 58.8413% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1200% | 2,981 |
| Loan loss allowance to noncurrent loans | 112.2249% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.8429% | 1,657 |
| Noncurrent loans to loans | 0.9980% | 1,625 |
| Net loans and leases to total assets | 71.9495% | 2,266 |
| Net loans and leases to deposits | 82.9744% | 2,625 |
| Net loans and leases to core deposits | 87.8988% | 2,761 |
| Total domestic deposits to total assets | 86.7128% | 1,909 |
| Equity capital to assets | 10.4162% | 3,269 |
| Core capital (leverage) ratio | 10.6842% | 2,851 |
| Tier 1 risk-based capital ratio | 13.8873% | 3,337 |
| Total risk-based capital ratio | 14.9929% | 3,340 |
| Memoranda: | ||
| Average total assets | $1,171,944,400 | 656 |
| Average earning assets | $1,104,293,000 | 643 |
| Average equity | $121,708,000 | 708 |
| Average total loans | $851,093,800 | 656 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3334% | 2,837 |
| Cost of funding earning assets | 0.7548% | 1,562 |
| Net interest margin | 3.5786% | 3,438 |
| Noninterest income to average assets | 0.9190% | 1,143 |
| Noninterest expense to average assets | 2.9619% | 2,135 |
| Loan and lease loss provision to assets | 0.0956% | 2,067 |
| Net operating income to assets | 1.0019% | 3,072 |
| Return on assets (ROA) | 1.0019% | 3,087 |
| Pretax return on assets | 1.2423% | 2,840 |
| Return on Equity (ROE) | 9.6549% | 2,775 |
| Retained earnings to average equity (ytd only) | 4.0810% | 3,733 |
| Net charge-offs to loans | 0.0184% | 2,783 |
| Credit loss provision to net charge-offs | 714.5299% | 522 |
| Earnings coverage of net charge-offs (x) | 100.0146% | 751 |
| Efficiency ratio | 68.6795% | 2,410 |
| Assets per employee ($millions) | 4.3120% | 3,408 |
| Cash dividends to net income (ytd only)* | 57.7313% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 2,800 |
| Loan loss allowance to noncurrent loans | 90.8314% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 0.9559% | 1,529 |
| Noncurrent loans to loans | 1.2868% | 1,308 |
| Net loans and leases to total assets | 73.3392% | 2,108 |
| Net loans and leases to deposits | 84.9184% | 2,485 |
| Net loans and leases to core deposits | 89.5658% | 2,695 |
| Total domestic deposits to total assets | 86.3644% | 2,031 |
| Equity capital to assets | 10.5390% | 3,106 |
| Core capital (leverage) ratio | 10.6889% | 2,894 |
| Tier 1 risk-based capital ratio | 13.4846% | 3,637 |
| Total risk-based capital ratio | 14.5803% | 3,638 |
| Memoranda: | ||
| Average total assets | $1,166,150,250 | 656 |
| Average earning assets | $1,101,702,750 | 641 |
| Average equity | $121,013,500 | 708 |
| Average total loans | $846,461,500 | 655 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2317% | 3,007 |
| Cost of funding earning assets | 0.7181% | 1,533 |
| Net interest margin | 3.5136% | 3,588 |
| Noninterest income to average assets | 0.9060% | 1,165 |
| Noninterest expense to average assets | 2.9272% | 2,264 |
| Loan and lease loss provision to assets | 0.0786% | 2,335 |
| Net operating income to assets | 0.9854% | 3,085 |
| Return on assets (ROA) | 0.9854% | 3,086 |
| Pretax return on assets | 1.2209% | 2,872 |
| Return on Equity (ROE) | 9.5446% | 2,776 |
| Retained earnings to average equity (ytd only) | 3.8311% | 3,686 |
| Net charge-offs to loans | 0.0194% | 2,499 |
| Credit loss provision to net charge-offs | 560.9756% | 661 |
| Earnings coverage of net charge-offs (x) | 92.7927% | 733 |
| Efficiency ratio | 69.0452% | 2,482 |
| Assets per employee ($millions) | 4.2909% | 3,438 |
| Cash dividends to net income (ytd only)* | 59.8614% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 3,133 |
| Loan loss allowance to noncurrent loans | 175.9715% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 2,869 |
| Noncurrent loans to loans | 0.6383% | 2,516 |
| Net loans and leases to total assets | 73.0173% | 2,110 |
| Net loans and leases to deposits | 85.2000% | 2,410 |
| Net loans and leases to core deposits | 89.0497% | 2,644 |
| Total domestic deposits to total assets | 85.7010% | 2,409 |
| Equity capital to assets | 10.4064% | 3,202 |
| Core capital (leverage) ratio | 10.5665% | 2,963 |
| Tier 1 risk-based capital ratio | 13.3991% | 3,673 |
| Total risk-based capital ratio | 14.4629% | 3,702 |
| Memoranda: | ||
| Average total assets | $1,171,097,000 | 656 |
| Average earning assets | $1,106,780,000 | 636 |
| Average equity | $120,906,000 | 708 |
| Average total loans | $843,832,670 | 655 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1357% | 3,102 |
| Cost of funding earning assets | 0.6865% | 1,514 |
| Net interest margin | 3.4492% | 3,708 |
| Noninterest income to average assets | 0.8580% | 1,270 |
| Noninterest expense to average assets | 2.8907% | 2,405 |
| Loan and lease loss provision to assets | 0.0718% | 2,327 |
| Net operating income to assets | 0.9309% | 3,154 |
| Return on assets (ROA) | 0.9309% | 3,175 |
| Pretax return on assets | 1.1497% | 2,966 |
| Return on Equity (ROE) | 9.0522% | 2,889 |
| Retained earnings to average equity (ytd only) | 3.7400% | 3,702 |
| Net charge-offs to loans | -0.0124% | 4,342 |
| Credit loss provision to net charge-offs | -811.5385% | 4,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0795% | 2,475 |
| Assets per employee ($millions) | 4.5688% | 3,038 |
| Cash dividends to net income (ytd only)* | 58.6837% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 3,208 |
| Loan loss allowance to noncurrent loans | 162.5449% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.4941% | 2,878 |
| Noncurrent loans to loans | 0.6950% | 2,475 |
| Net loans and leases to total assets | 70.2895% | 2,427 |
| Net loans and leases to deposits | 81.1178% | 2,685 |
| Net loans and leases to core deposits | 84.5604% | 2,925 |
| Total domestic deposits to total assets | 86.6511% | 2,255 |
| Equity capital to assets | 10.1713% | 3,427 |
| Core capital (leverage) ratio | 10.4174% | 3,046 |
| Tier 1 risk-based capital ratio | 13.2508% | 3,812 |
| Total risk-based capital ratio | 14.2979% | 3,835 |
| Memoranda: | ||
| Average total assets | $1,175,225,500 | 657 |
| Average earning assets | $1,108,789,000 | 643 |
| Average equity | $120,854,000 | 711 |
| Average total loans | $836,389,500 | 657 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1488% | 2,888 |
| Cost of funding earning assets | 0.5376% | 2,051 |
| Net interest margin | 3.6112% | 3,132 |
| Noninterest income to average assets | 1.0114% | 995 |
| Noninterest expense to average assets | 3.1197% | 1,802 |
| Loan and lease loss provision to assets | 0.1166% | 1,951 |
| Net operating income to assets | 0.7475% | 3,400 |
| Return on assets (ROA) | 0.7485% | 3,436 |
| Pretax return on assets | 1.1783% | 2,857 |
| Return on Equity (ROE) | 6.9201% | 3,320 |
| Retained earnings to average equity (ytd only) | 1.6495% | 4,312 |
| Net charge-offs to loans | 0.1457% | 1,626 |
| Credit loss provision to net charge-offs | 114.6235% | 2,285 |
| Earnings coverage of net charge-offs (x) | 12.7128% | 2,447 |
| Efficiency ratio | 70.4859% | 2,473 |
| Assets per employee ($millions) | 4.4209% | 3,321 |
| Cash dividends to net income (ytd only)* | 76.1633% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1145% | 3,269 |
| Loan loss allowance to noncurrent loans | 168.8286% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.4754% | 2,977 |
| Noncurrent loans to loans | 0.6601% | 2,563 |
| Net loans and leases to total assets | 70.4512% | 2,454 |
| Net loans and leases to deposits | 80.4762% | 2,863 |
| Net loans and leases to core deposits | 83.5038% | 3,102 |
| Total domestic deposits to total assets | 87.5429% | 1,739 |
| Equity capital to assets | 10.3972% | 3,274 |
| Core capital (leverage) ratio | 10.5144% | 2,835 |
| Tier 1 risk-based capital ratio | 13.2966% | 3,743 |
| Total risk-based capital ratio | 14.3378% | 3,764 |
| Memoranda: | ||
| Average total assets | $1,122,570,600 | 655 |
| Average earning assets | $1,057,404,600 | 642 |
| Average equity | $121,428,800 | 676 |
| Average total loans | $783,570,000 | 673 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1204% | 2,913 |
| Cost of funding earning assets | 0.5173% | 2,131 |
| Net interest margin | 3.6031% | 3,134 |
| Noninterest income to average assets | 1.0095% | 1,003 |
| Noninterest expense to average assets | 3.1585% | 1,657 |
| Loan and lease loss provision to assets | 0.0887% | 2,304 |
| Net operating income to assets | 0.8256% | 3,411 |
| Return on assets (ROA) | 0.8271% | 3,438 |
| Pretax return on assets | 1.1596% | 3,071 |
| Return on Equity (ROE) | 7.5695% | 3,358 |
| Retained earnings to average equity (ytd only) | 2.2999% | 4,490 |
| Net charge-offs to loans | 0.0804% | 1,996 |
| Credit loss provision to net charge-offs | 158.9247% | 1,614 |
| Earnings coverage of net charge-offs (x) | 22.3378% | 1,868 |
| Efficiency ratio | 71.5002% | 2,281 |
| Assets per employee ($millions) | 4.1057% | 3,815 |
| Cash dividends to net income (ytd only)* | 69.6157% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 3,045 |
| Loan loss allowance to noncurrent loans | 157.0974% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.5884% | 2,750 |
| Noncurrent loans to loans | 0.7502% | 2,488 |
| Net loans and leases to total assets | 70.3873% | 2,501 |
| Net loans and leases to deposits | 81.7498% | 2,802 |
| Net loans and leases to core deposits | 85.3412% | 3,024 |
| Total domestic deposits to total assets | 86.1008% | 2,268 |
| Equity capital to assets | 11.0508% | 2,816 |
| Core capital (leverage) ratio | 10.7859% | 2,657 |
| Tier 1 risk-based capital ratio | 13.4986% | 3,704 |
| Total risk-based capital ratio | 14.5547% | 3,733 |
| Memoranda: | ||
| Average total assets | $1,111,432,750 | 667 |
| Average earning assets | $1,047,245,500 | 650 |
| Average equity | $121,449,000 | 679 |
| Average total loans | $771,582,750 | 681 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0752% | 2,910 |
| Cost of funding earning assets | 0.4912% | 2,248 |
| Net interest margin | 3.5840% | 3,094 |
| Noninterest income to average assets | 1.0023% | 1,013 |
| Noninterest expense to average assets | 3.1422% | 1,722 |
| Loan and lease loss provision to assets | 0.0883% | 2,216 |
| Net operating income to assets | 0.8183% | 3,308 |
| Return on assets (ROA) | 0.8206% | 3,350 |
| Pretax return on assets | 1.1521% | 2,967 |
| Return on Equity (ROE) | 7.5383% | 3,275 |
| Retained earnings to average equity (ytd only) | 2.2401% | 4,334 |
| Net charge-offs to loans | 0.0812% | 1,802 |
| Credit loss provision to net charge-offs | 158.0645% | 1,477 |
| Earnings coverage of net charge-offs (x) | 22.1419% | 1,722 |
| Efficiency ratio | 71.5368% | 2,431 |
| Assets per employee ($millions) | 4.0556% | 3,867 |
| Cash dividends to net income (ytd only)* | 70.2833% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 3,030 |
| Loan loss allowance to noncurrent loans | 152.1148% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.6435% | 2,627 |
| Noncurrent loans to loans | 0.7875% | 2,437 |
| Net loans and leases to total assets | 68.8704% | 2,684 |
| Net loans and leases to deposits | 79.9246% | 2,916 |
| Net loans and leases to core deposits | 84.0136% | 3,069 |
| Total domestic deposits to total assets | 86.1692% | 2,305 |
| Equity capital to assets | 11.0988% | 2,706 |
| Core capital (leverage) ratio | 10.7252% | 2,680 |
| Tier 1 risk-based capital ratio | 14.0040% | 3,425 |
| Total risk-based capital ratio | 15.1052% | 3,425 |
| Memoranda: | ||
| Average total assets | $1,109,663,000 | 672 |
| Average earning assets | $1,045,590,330 | 652 |
| Average equity | $120,795,670 | 685 |
| Average total loans | $763,637,670 | 692 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0014% | 3,039 |
| Cost of funding earning assets | 0.4479% | 2,543 |
| Net interest margin | 3.5535% | 3,071 |
| Noninterest income to average assets | 0.9696% | 1,061 |
| Noninterest expense to average assets | 3.0885% | 1,896 |
| Loan and lease loss provision to assets | 0.0830% | 2,157 |
| Net operating income to assets | 0.8103% | 3,174 |
| Return on assets (ROA) | 0.8149% | 3,209 |
| Pretax return on assets | 1.1500% | 2,778 |
| Return on Equity (ROE) | 7.5598% | 3,132 |
| Retained earnings to average equity (ytd only) | 2.2054% | 4,263 |
| Net charge-offs to loans | 0.0543% | 1,795 |
| Credit loss provision to net charge-offs | 223.3010% | 945 |
| Earnings coverage of net charge-offs (x) | 33.0097% | 1,158 |
| Efficiency ratio | 71.3593% | 2,683 |
| Assets per employee ($millions) | 4.0746% | 3,893 |
| Cash dividends to net income (ytd only)* | 70.8278% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 3,040 |
| Loan loss allowance to noncurrent loans | 151.2211% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.6497% | 2,687 |
| Noncurrent loans to loans | 0.8038% | 2,442 |
| Net loans and leases to total assets | 67.1552% | 2,793 |
| Net loans and leases to deposits | 77.2282% | 3,053 |
| Net loans and leases to core deposits | 81.0431% | 3,194 |
| Total domestic deposits to total assets | 86.9569% | 2,238 |
| Equity capital to assets | 10.7914% | 2,865 |
| Core capital (leverage) ratio | 10.8930% | 2,487 |
| Tier 1 risk-based capital ratio | 14.0824% | 3,424 |
| Total risk-based capital ratio | 15.1902% | 3,427 |
| Memoranda: | ||
| Average total assets | $1,108,876,000 | 677 |
| Average earning assets | $1,043,933,000 | 657 |
| Average equity | $119,526,500 | 689 |
| Average total loans | $758,160,500 | 698 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9661% | 3,323 |
| Cost of funding earning assets | 0.4275% | 2,730 |
| Net interest margin | 3.5385% | 3,294 |
| Noninterest income to average assets | 1.1241% | 908 |
| Noninterest expense to average assets | 3.2698% | 1,641 |
| Loan and lease loss provision to assets | 0.1205% | 2,050 |
| Net operating income to assets | 0.7742% | 3,430 |
| Return on assets (ROA) | 0.7807% | 3,499 |
| Pretax return on assets | 1.1015% | 3,103 |
| Return on Equity (ROE) | 6.7826% | 3,596 |
| Retained earnings to average equity (ytd only) | -3.2478% | 5,596 |
| Net charge-offs to loans | 0.0879% | 2,442 |
| Credit loss provision to net charge-offs | 211.8868% | 1,345 |
| Earnings coverage of net charge-offs (x) | 21.3283% | 1,794 |
| Efficiency ratio | 72.9420% | 2,433 |
| Assets per employee ($millions) | 4.0035% | 3,959 |
| Cash dividends to net income (ytd only)* | 147.8835% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3874% | 2,136 |
| Loan loss allowance to noncurrent loans | 144.6235% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.7632% | 2,445 |
| Noncurrent loans to loans | 0.9593% | 2,165 |
| Net loans and leases to total assets | 66.5054% | 3,002 |
| Net loans and leases to deposits | 75.9190% | 3,323 |
| Net loans and leases to core deposits | 79.6697% | 3,425 |
| Total domestic deposits to total assets | 87.6005% | 1,829 |
| Equity capital to assets | 10.2785% | 3,412 |
| Core capital (leverage) ratio | 10.9415% | 2,391 |
| Tier 1 risk-based capital ratio | 13.9819% | 3,475 |
| Total risk-based capital ratio | 15.2136% | 3,398 |
| Memoranda: | ||
| Average total assets | $931,963,200 | 773 |
| Average earning assets | $884,579,000 | 742 |
| Average equity | $107,273,800 | 745 |
| Average total loans | $602,651,800 | 825 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9719% | 3,317 |
| Cost of funding earning assets | 0.4248% | 2,780 |
| Net interest margin | 3.5471% | 3,288 |
| Noninterest income to average assets | 1.0745% | 981 |
| Noninterest expense to average assets | 3.2785% | 1,610 |
| Loan and lease loss provision to assets | 0.0977% | 2,272 |
| Net operating income to assets | 0.7571% | 3,574 |
| Return on assets (ROA) | 0.7658% | 3,668 |
| Pretax return on assets | 1.0789% | 3,320 |
| Return on Equity (ROE) | 6.4714% | 3,850 |
| Retained earnings to average equity (ytd only) | 4.3712% | 3,224 |
| Net charge-offs to loans | 0.0701% | 2,314 |
| Credit loss provision to net charge-offs | 218.0645% | 1,351 |
| Earnings coverage of net charge-offs (x) | 25.9937% | 1,612 |
| Efficiency ratio | 73.7934% | 2,325 |
| Assets per employee ($millions) | 3.8057% | 4,290 |
| Cash dividends to net income (ytd only)* | 32.4529% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 2,070 |
| Loan loss allowance to noncurrent loans | 150.5109% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.7481% | 2,689 |
| Noncurrent loans to loans | 0.9492% | 2,347 |
| Net loans and leases to total assets | 65.4010% | 3,219 |
| Net loans and leases to deposits | 76.3751% | 3,367 |
| Net loans and leases to core deposits | 80.7026% | 3,379 |
| Total domestic deposits to total assets | 85.6312% | 2,543 |
| Equity capital to assets | 11.9864% | 2,125 |
| Core capital (leverage) ratio | 11.8953% | 1,746 |
| Tier 1 risk-based capital ratio | 15.8774% | 2,677 |
| Total risk-based capital ratio | 17.1276% | 2,614 |
| Memoranda: | ||
| Average total assets | $922,743,250 | 781 |
| Average earning assets | $876,270,000 | 751 |
| Average equity | $109,196,500 | 736 |
| Average total loans | $589,965,250 | 847 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9838% | 3,297 |
| Cost of funding earning assets | 0.4125% | 2,915 |
| Net interest margin | 3.5714% | 3,203 |
| Noninterest income to average assets | 1.0192% | 1,075 |
| Noninterest expense to average assets | 3.2730% | 1,645 |
| Loan and lease loss provision to assets | 0.0885% | 2,369 |
| Net operating income to assets | 0.7466% | 3,565 |
| Return on assets (ROA) | 0.7597% | 3,649 |
| Pretax return on assets | 1.0699% | 3,324 |
| Return on Equity (ROE) | 6.4481% | 3,827 |
| Retained earnings to average equity (ytd only) | 3.2730% | 3,814 |
| Net charge-offs to loans | 0.0558% | 2,394 |
| Credit loss provision to net charge-offs | 251.2346% | 1,096 |
| Earnings coverage of net charge-offs (x) | 32.3519% | 1,342 |
| Efficiency ratio | 74.1683% | 2,331 |
| Assets per employee ($millions) | 3.7365% | 4,383 |
| Cash dividends to net income (ytd only)* | 49.2413% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 2,063 |
| Loan loss allowance to noncurrent loans | 169.9552% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.7900% | 2,619 |
| Noncurrent loans to loans | 0.8534% | 2,607 |
| Net loans and leases to total assets | 65.2313% | 3,192 |
| Net loans and leases to deposits | 76.2717% | 3,351 |
| Net loans and leases to core deposits | 80.8475% | 3,379 |
| Total domestic deposits to total assets | 85.5249% | 2,635 |
| Equity capital to assets | 12.1061% | 2,048 |
| Core capital (leverage) ratio | 11.8032% | 1,769 |
| Tier 1 risk-based capital ratio | 16.1321% | 2,574 |
| Total risk-based capital ratio | 17.3828% | 2,524 |
| Memoranda: | ||
| Average total assets | $919,527,670 | 783 |
| Average earning assets | $873,778,330 | 754 |
| Average equity | $108,342,000 | 741 |
| Average total loans | $580,410,330 | 854 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8706% | 3,693 |
| Cost of funding earning assets | 0.3973% | 3,103 |
| Net interest margin | 3.4733% | 3,578 |
| Noninterest income to average assets | 0.9666% | 1,155 |
| Noninterest expense to average assets | 3.2249% | 1,776 |
| Loan and lease loss provision to assets | 0.0484% | 2,955 |
| Net operating income to assets | 0.7081% | 3,677 |
| Return on assets (ROA) | 0.7081% | 3,792 |
| Pretax return on assets | 0.9930% | 3,508 |
| Return on Equity (ROE) | 6.0919% | 3,942 |
| Retained earnings to average equity (ytd only) | 2.8935% | 4,071 |
| Net charge-offs to loans | 0.0393% | 2,213 |
| Credit loss provision to net charge-offs | 200.0000% | 1,075 |
| Earnings coverage of net charge-offs (x) | 43.0179% | 968 |
| Efficiency ratio | 75.5902% | 2,234 |
| Assets per employee ($millions) | 3.7079% | 4,454 |
| Cash dividends to net income (ytd only)* | 52.5031% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4975% | 1,997 |
| Loan loss allowance to noncurrent loans | 191.1251% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.7500% | 2,829 |
| Noncurrent loans to loans | 0.7835% | 2,885 |
| Net loans and leases to total assets | 61.2495% | 3,625 |
| Net loans and leases to deposits | 71.7406% | 3,674 |
| Net loans and leases to core deposits | 76.1904% | 3,664 |
| Total domestic deposits to total assets | 85.3764% | 2,967 |
| Equity capital to assets | 11.8523% | 2,119 |
| Core capital (leverage) ratio | 11.7580% | 1,787 |
| Tier 1 risk-based capital ratio | 17.2121% | 2,209 |
| Total risk-based capital ratio | 18.4635% | 2,179 |
| Memoranda: | ||
| Average total assets | $925,306,000 | 781 |
| Average earning assets | $879,039,500 | 753 |
| Average equity | $107,553,000 | 751 |
| Average total loans | $570,116,500 | 866 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9564% | 3,487 |
| Cost of funding earning assets | 0.3809% | 3,358 |
| Net interest margin | 3.5755% | 3,224 |
| Noninterest income to average assets | 1.1199% | 939 |
| Noninterest expense to average assets | 3.3292% | 1,649 |
| Loan and lease loss provision to assets | 0.1078% | 2,193 |
| Net operating income to assets | 0.7505% | 3,566 |
| Return on assets (ROA) | 0.7664% | 3,574 |
| Pretax return on assets | 1.0893% | 3,111 |
| Return on Equity (ROE) | 6.5626% | 3,748 |
| Retained earnings to average equity (ytd only) | 3.7835% | 3,347 |
| Net charge-offs to loans | 0.2975% | 1,016 |
| Credit loss provision to net charge-offs | 59.1523% | 3,277 |
| Earnings coverage of net charge-offs (x) | 6.4459% | 3,227 |
| Efficiency ratio | 73.9234% | 2,595 |
| Assets per employee ($millions) | 3.6947% | 4,486 |
| Cash dividends to net income (ytd only)* | 42.3481% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4843% | 2,089 |
| Loan loss allowance to noncurrent loans | 144.8453% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.8928% | 2,434 |
| Noncurrent loans to loans | 1.0248% | 2,289 |
| Net loans and leases to total assets | 60.1522% | 3,818 |
| Net loans and leases to deposits | 70.0566% | 3,920 |
| Net loans and leases to core deposits | 74.1545% | 3,923 |
| Total domestic deposits to total assets | 85.8622% | 2,704 |
| Equity capital to assets | 11.3994% | 2,448 |
| Core capital (leverage) ratio | 11.9879% | 1,622 |
| Tier 1 risk-based capital ratio | 16.8279% | 2,348 |
| Total risk-based capital ratio | 18.0790% | 2,298 |
| Memoranda: | ||
| Average total assets | $893,574,800 | 772 |
| Average earning assets | $845,634,400 | 746 |
| Average equity | $104,348,600 | 740 |
| Average total loans | $547,175,600 | 857 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9740% | 3,447 |
| Cost of funding earning assets | 0.3893% | 3,334 |
| Net interest margin | 3.5847% | 3,219 |
| Noninterest income to average assets | 1.1558% | 894 |
| Noninterest expense to average assets | 3.3986% | 1,482 |
| Loan and lease loss provision to assets | 0.1088% | 2,066 |
| Net operating income to assets | 0.7315% | 3,759 |
| Return on assets (ROA) | 0.7315% | 3,869 |
| Pretax return on assets | 1.0373% | 3,478 |
| Return on Equity (ROE) | 6.2249% | 4,039 |
| Retained earnings to average equity (ytd only) | 3.5916% | 3,912 |
| Net charge-offs to loans | 0.4986% | 484 |
| Credit loss provision to net charge-offs | 35.6225% | 3,212 |
| Earnings coverage of net charge-offs (x) | 3.7515% | 3,459 |
| Efficiency ratio | 74.7808% | 2,436 |
| Assets per employee ($millions) | 3.3164% | 5,095 |
| Cash dividends to net income (ytd only)* | 42.3030% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 2,587 |
| Loan loss allowance to noncurrent loans | 114.8344% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.0834% | 2,192 |
| Noncurrent loans to loans | 1.2207% | 2,090 |
| Net loans and leases to total assets | 63.9025% | 3,322 |
| Net loans and leases to deposits | 75.4999% | 3,368 |
| Net loans and leases to core deposits | 80.7533% | 3,367 |
| Total domestic deposits to total assets | 84.6392% | 3,162 |
| Equity capital to assets | 12.2690% | 1,894 |
| Core capital (leverage) ratio | 12.1776% | 1,578 |
| Tier 1 risk-based capital ratio | 17.0035% | 2,379 |
| Total risk-based capital ratio | 18.2537% | 2,323 |
| Memoranda: | ||
| Average total assets | $883,275,750 | 787 |
| Average earning assets | $835,046,000 | 760 |
| Average equity | $103,796,250 | 750 |
| Average total loans | $541,280,250 | 874 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9001% | 3,691 |
| Cost of funding earning assets | 0.3949% | 3,327 |
| Net interest margin | 3.5052% | 3,476 |
| Noninterest income to average assets | 1.1244% | 954 |
| Noninterest expense to average assets | 3.3738% | 1,525 |
| Loan and lease loss provision to assets | 0.0306% | 3,515 |
| Net operating income to assets | 0.7254% | 3,760 |
| Return on assets (ROA) | 0.7254% | 3,883 |
| Pretax return on assets | 1.0323% | 3,447 |
| Return on Equity (ROE) | 6.2619% | 4,006 |
| Retained earnings to average equity (ytd only) | 3.9348% | 3,505 |
| Net charge-offs to loans | 0.5521% | 443 |
| Credit loss provision to net charge-offs | 9.2016% | 3,104 |
| Earnings coverage of net charge-offs (x) | 3.2009% | 3,224 |
| Efficiency ratio | 76.0444% | 2,347 |
| Assets per employee ($millions) | 3.3499% | 5,072 |
| Cash dividends to net income (ytd only)* | 37.1632% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 2,624 |
| Loan loss allowance to noncurrent loans | 116.4998% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 0.9757% | 2,577 |
| Noncurrent loans to loans | 1.2258% | 2,205 |
| Net loans and leases to total assets | 62.4992% | 3,479 |
| Net loans and leases to deposits | 73.6097% | 3,537 |
| Net loans and leases to core deposits | 78.5878% | 3,520 |
| Total domestic deposits to total assets | 84.9062% | 3,158 |
| Equity capital to assets | 11.9646% | 2,057 |
| Core capital (leverage) ratio | 12.0046% | 1,659 |
| Tier 1 risk-based capital ratio | 17.1584% | 2,348 |
| Total risk-based capital ratio | 18.4087% | 2,297 |
| Memoranda: | ||
| Average total assets | $890,276,330 | 786 |
| Average earning assets | $841,264,670 | 764 |
| Average equity | $103,131,000 | 758 |
| Average total loans | $535,424,000 | 884 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7923% | 4,042 |
| Cost of funding earning assets | 0.4041% | 3,258 |
| Net interest margin | 3.3882% | 3,892 |
| Noninterest income to average assets | 1.0109% | 1,095 |
| Noninterest expense to average assets | 3.3169% | 1,680 |
| Loan and lease loss provision to assets | 0.0239% | 3,396 |
| Net operating income to assets | 0.6193% | 4,199 |
| Return on assets (ROA) | 0.6193% | 4,294 |
| Pretax return on assets | 0.8796% | 3,965 |
| Return on Equity (ROE) | 5.4306% | 4,318 |
| Retained earnings to average equity (ytd only) | 3.1048% | 4,121 |
| Net charge-offs to loans | 0.1539% | 1,337 |
| Credit loss provision to net charge-offs | 26.4706% | 2,303 |
| Earnings coverage of net charge-offs (x) | 10.0196% | 1,962 |
| Efficiency ratio | 78.5924% | 2,105 |
| Assets per employee ($millions) | 3.3213% | 5,204 |
| Cash dividends to net income (ytd only)* | 42.8266% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6962% | 1,748 |
| Loan loss allowance to noncurrent loans | 115.6628% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 1.1027% | 2,429 |
| Noncurrent loans to loans | 1.4665% | 1,934 |
| Net loans and leases to total assets | 58.9536% | 3,802 |
| Net loans and leases to deposits | 69.3148% | 3,825 |
| Net loans and leases to core deposits | 73.9378% | 3,778 |
| Total domestic deposits to total assets | 85.0519% | 3,382 |
| Equity capital to assets | 11.8263% | 2,169 |
| Core capital (leverage) ratio | 11.6493% | 1,890 |
| Tier 1 risk-based capital ratio | 17.5724% | 2,275 |
| Total risk-based capital ratio | 18.8257% | 2,237 |
| Memoranda: | ||
| Average total assets | $904,952,500 | 780 |
| Average earning assets | $857,213,500 | 751 |
| Average equity | $103,193,500 | 749 |
| Average total loans | $530,203,000 | 888 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1395% | 3,168 |
| Cost of funding earning assets | 0.3180% | 4,603 |
| Net interest margin | 3.8215% | 2,543 |
| Noninterest income to average assets | 1.1880% | 854 |
| Noninterest expense to average assets | 3.6810% | 1,186 |
| Loan and lease loss provision to assets | 0.0598% | 3,333 |
| Net operating income to assets | 0.6948% | 3,920 |
| Return on assets (ROA) | 0.6948% | 4,039 |
| Pretax return on assets | 1.0210% | 3,416 |
| Return on Equity (ROE) | 5.9427% | 4,179 |
| Retained earnings to average equity (ytd only) | 3.8643% | 3,471 |
| Net charge-offs to loans | 0.2384% | 1,775 |
| Credit loss provision to net charge-offs | 40.1937% | 3,668 |
| Earnings coverage of net charge-offs (x) | 7.2688% | 3,057 |
| Efficiency ratio | 77.3040% | 2,314 |
| Assets per employee ($millions) | 4.4215% | 3,161 |
| Cash dividends to net income (ytd only)* | 34.9741% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7445% | 1,667 |
| Loan loss allowance to noncurrent loans | 71.0855% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 1.6471% | 1,639 |
| Noncurrent loans to loans | 2.4541% | 1,040 |
| Net loans and leases to total assets | 58.9136% | 3,931 |
| Net loans and leases to deposits | 68.5699% | 4,068 |
| Net loans and leases to core deposits | 72.9890% | 4,028 |
| Total domestic deposits to total assets | 85.9176% | 2,886 |
| Equity capital to assets | 11.9805% | 2,030 |
| Core capital (leverage) ratio | 12.0969% | 1,566 |
| Tier 1 risk-based capital ratio | 17.5742% | 2,287 |
| Total risk-based capital ratio | 18.8277% | 2,255 |
| Memoranda: | ||
| Average total assets | $277,774,200 | 2,297 |
| Average earning assets | $259,765,200 | 2,276 |
| Average equity | $32,476,800 | 2,142 |
| Average total loans | $173,252,800 | 2,298 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 3,273 |
| Cost of funding earning assets | 0.3235% | 4,634 |
| Net interest margin | 3.8016% | 2,618 |
| Noninterest income to average assets | 1.1839% | 856 |
| Noninterest expense to average assets | 3.7047% | 1,111 |
| Loan and lease loss provision to assets | 0.0801% | 2,748 |
| Net operating income to assets | 0.6665% | 4,120 |
| Return on assets (ROA) | 0.6665% | 4,222 |
| Pretax return on assets | 0.9751% | 3,694 |
| Return on Equity (ROE) | 5.7366% | 4,374 |
| Retained earnings to average equity (ytd only) | 4.0970% | 3,735 |
| Net charge-offs to loans | 0.3047% | 1,299 |
| Credit loss provision to net charge-offs | 41.7085% | 3,263 |
| Earnings coverage of net charge-offs (x) | 5.4975% | 3,249 |
| Efficiency ratio | 77.8318% | 2,206 |
| Assets per employee ($millions) | 3.9801% | 3,934 |
| Cash dividends to net income (ytd only)* | 28.5816% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7401% | 1,853 |
| Loan loss allowance to noncurrent loans | 63.7181% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 1.8957% | 1,549 |
| Noncurrent loans to loans | 2.7309% | 1,031 |
| Net loans and leases to total assets | 61.1721% | 3,603 |
| Net loans and leases to deposits | 71.3493% | 3,758 |
| Net loans and leases to core deposits | 76.1201% | 3,724 |
| Total domestic deposits to total assets | 85.7362% | 2,987 |
| Equity capital to assets | 12.0557% | 2,012 |
| Core capital (leverage) ratio | 12.1622% | 1,596 |
| Tier 1 risk-based capital ratio | 17.5587% | 2,375 |
| Total risk-based capital ratio | 18.8122% | 2,330 |
| Memoranda: | ||
| Average total assets | $276,473,500 | 2,321 |
| Average earning assets | $260,056,500 | 2,291 |
| Average equity | $32,120,500 | 2,166 |
| Average total loans | $174,148,000 | 2,301 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1439% | 3,175 |
| Cost of funding earning assets | 0.3281% | 4,667 |
| Net interest margin | 3.8158% | 2,505 |
| Noninterest income to average assets | 1.1397% | 907 |
| Noninterest expense to average assets | 3.7042% | 1,131 |
| Loan and lease loss provision to assets | 0.1198% | 2,053 |
| Net operating income to assets | 0.6135% | 4,289 |
| Return on assets (ROA) | 0.6135% | 4,386 |
| Pretax return on assets | 0.9001% | 3,890 |
| Return on Equity (ROE) | 5.3474% | 4,509 |
| Retained earnings to average equity (ytd only) | 3.9319% | 3,680 |
| Net charge-offs to loans | 0.1073% | 2,601 |
| Credit loss provision to net charge-offs | 176.5957% | 1,294 |
| Earnings coverage of net charge-offs (x) | 15.0319% | 1,879 |
| Efficiency ratio | 78.4110% | 2,240 |
| Assets per employee ($millions) | 3.7160% | 4,426 |
| Cash dividends to net income (ytd only)* | 26.4706% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9294% | 1,513 |
| Loan loss allowance to noncurrent loans | 59.5208% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 2.2237% | 1,361 |
| Noncurrent loans to loans | 3.2415% | 865 |
| Net loans and leases to total assets | 60.6116% | 3,616 |
| Net loans and leases to deposits | 70.5430% | 3,750 |
| Net loans and leases to core deposits | 75.4229% | 3,686 |
| Total domestic deposits to total assets | 85.9215% | 3,082 |
| Equity capital to assets | 11.8620% | 2,096 |
| Core capital (leverage) ratio | 11.9308% | 1,701 |
| Tier 1 risk-based capital ratio | 17.4854% | 2,418 |
| Total risk-based capital ratio | 18.7411% | 2,393 |
| Memoranda: | ||
| Average total assets | $277,089,670 | 2,317 |
| Average earning assets | $260,285,670 | 2,286 |
| Average equity | $31,791,330 | 2,169 |
| Average total loans | $175,207,670 | 2,290 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1449% | 3,109 |
| Cost of funding earning assets | 0.3364% | 4,681 |
| Net interest margin | 3.8085% | 2,438 |
| Noninterest income to average assets | 1.0800% | 956 |
| Noninterest expense to average assets | 3.7017% | 1,127 |
| Loan and lease loss provision to assets | 0.1136% | 2,060 |
| Net operating income to assets | 0.5666% | 4,369 |
| Return on assets (ROA) | 0.5666% | 4,448 |
| Pretax return on assets | 0.8298% | 3,979 |
| Return on Equity (ROE) | 5.0227% | 4,541 |
| Retained earnings to average equity (ytd only) | 2.9193% | 4,347 |
| Net charge-offs to loans | 0.0540% | 2,626 |
| Credit loss provision to net charge-offs | 329.1667% | 753 |
| Earnings coverage of net charge-offs (x) | 27.3333% | 1,110 |
| Efficiency ratio | 79.6904% | 2,249 |
| Assets per employee ($millions) | 3.8785% | 4,176 |
| Cash dividends to net income (ytd only)* | 41.8782% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8467% | 1,912 |
| Loan loss allowance to noncurrent loans | 61.5356% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 2.0955% | 1,601 |
| Noncurrent loans to loans | 3.0010% | 1,051 |
| Net loans and leases to total assets | 61.2360% | 3,357 |
| Net loans and leases to deposits | 70.7163% | 3,510 |
| Net loans and leases to core deposits | 75.3112% | 3,488 |
| Total domestic deposits to total assets | 86.5940% | 3,052 |
| Equity capital to assets | 11.2187% | 2,506 |
| Core capital (leverage) ratio | 11.5947% | 1,900 |
| Tier 1 risk-based capital ratio | 16.8892% | 2,739 |
| Total risk-based capital ratio | 18.1447% | 2,694 |
| Memoranda: | ||
| Average total assets | $278,141,000 | 2,314 |
| Average earning assets | $260,367,000 | 2,286 |
| Average equity | $31,377,500 | 2,185 |
| Average total loans | $177,835,000 | 2,260 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3573% | 2,748 |
| Cost of funding earning assets | 0.4255% | 4,374 |
| Net interest margin | 3.9318% | 2,171 |
| Noninterest income to average assets | 1.3431% | 769 |
| Noninterest expense to average assets | 3.7769% | 1,174 |
| Loan and lease loss provision to assets | 0.2258% | 1,614 |
| Net operating income to assets | 0.6661% | 3,956 |
| Return on assets (ROA) | 0.6669% | 4,049 |
| Pretax return on assets | 0.9907% | 3,386 |
| Return on Equity (ROE) | 5.8846% | 4,155 |
| Retained earnings to average equity (ytd only) | 4.2138% | 3,176 |
| Net charge-offs to loans | 0.2076% | 2,799 |
| Credit loss provision to net charge-offs | 166.4894% | 1,372 |
| Earnings coverage of net charge-offs (x) | 8.9628% | 2,574 |
| Efficiency ratio | 75.6538% | 2,833 |
| Assets per employee ($millions) | 3.5941% | 4,697 |
| Cash dividends to net income (ytd only)* | 28.3937% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7913% | 2,088 |
| Loan loss allowance to noncurrent loans | 63.6815% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 3.3561% | 898 |
| Noncurrent loans to loans | 2.8130% | 1,251 |
| Net loans and leases to total assets | 64.3684% | 2,979 |
| Net loans and leases to deposits | 74.9361% | 3,110 |
| Net loans and leases to core deposits | 80.0092% | 3,135 |
| Total domestic deposits to total assets | 85.8978% | 3,316 |
| Equity capital to assets | 11.3459% | 2,296 |
| Core capital (leverage) ratio | 11.9528% | 1,640 |
| Tier 1 risk-based capital ratio | 16.3605% | 2,930 |
| Total risk-based capital ratio | 17.6150% | 2,877 |
| Memoranda: | ||
| Average total assets | $277,267,600 | 2,293 |
| Average earning assets | $257,339,600 | 2,267 |
| Average equity | $31,420,800 | 2,159 |
| Average total loans | $181,151,800 | 2,183 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3480% | 2,797 |
| Cost of funding earning assets | 0.4398% | 4,379 |
| Net interest margin | 3.9082% | 2,243 |
| Noninterest income to average assets | 1.3525% | 797 |
| Noninterest expense to average assets | 3.7431% | 1,176 |
| Loan and lease loss provision to assets | 0.1246% | 2,738 |
| Net operating income to assets | 0.7459% | 3,623 |
| Return on assets (ROA) | 0.7469% | 3,742 |
| Pretax return on assets | 1.1134% | 3,055 |
| Return on Equity (ROE) | 6.5928% | 3,878 |
| Retained earnings to average equity (ytd only) | 5.0070% | 3,081 |
| Net charge-offs to loans | 0.1556% | 2,993 |
| Credit loss provision to net charge-offs | 122.6415% | 1,915 |
| Earnings coverage of net charge-offs (x) | 12.1745% | 2,163 |
| Efficiency ratio | 75.1684% | 2,879 |
| Assets per employee ($millions) | 3.5217% | 4,803 |
| Cash dividends to net income (ytd only)* | 24.0541% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6830% | 2,679 |
| Loan loss allowance to noncurrent loans | 85.2724% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 2.7600% | 1,359 |
| Noncurrent loans to loans | 1.9737% | 2,282 |
| Net loans and leases to total assets | 65.5892% | 2,709 |
| Net loans and leases to deposits | 76.4521% | 2,888 |
| Net loans and leases to core deposits | 81.7433% | 2,899 |
| Total domestic deposits to total assets | 85.7913% | 3,359 |
| Equity capital to assets | 11.6464% | 2,173 |
| Core capital (leverage) ratio | 11.9380% | 1,709 |
| Tier 1 risk-based capital ratio | 16.3656% | 3,005 |
| Total risk-based capital ratio | 17.6196% | 2,973 |
| Memoranda: | ||
| Average total assets | $278,297,500 | 2,290 |
| Average earning assets | $258,287,250 | 2,269 |
| Average equity | $31,528,250 | 2,176 |
| Average total loans | $181,682,750 | 2,185 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2773% | 3,046 |
| Cost of funding earning assets | 0.4508% | 4,419 |
| Net interest margin | 3.8265% | 2,454 |
| Noninterest income to average assets | 1.3454% | 865 |
| Noninterest expense to average assets | 3.7098% | 1,235 |
| Loan and lease loss provision to assets | 0.1845% | 2,053 |
| Net operating income to assets | 0.6720% | 3,947 |
| Return on assets (ROA) | 0.6734% | 4,102 |
| Pretax return on assets | 1.0012% | 3,507 |
| Return on Equity (ROE) | 5.9973% | 4,177 |
| Retained earnings to average equity (ytd only) | 4.4174% | 3,462 |
| Net charge-offs to loans | 0.0952% | 3,415 |
| Credit loss provision to net charge-offs | 298.8506% | 868 |
| Earnings coverage of net charge-offs (x) | 19.1724% | 1,516 |
| Efficiency ratio | 75.8121% | 2,816 |
| Assets per employee ($millions) | 3.6183% | 4,578 |
| Cash dividends to net income (ytd only)* | 26.3435% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7117% | 2,736 |
| Loan loss allowance to noncurrent loans | 100.1600% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 2.5331% | 1,668 |
| Noncurrent loans to loans | 1.7090% | 2,750 |
| Net loans and leases to total assets | 65.3556% | 2,703 |
| Net loans and leases to deposits | 75.7677% | 2,912 |
| Net loans and leases to core deposits | 80.8271% | 2,933 |
| Total domestic deposits to total assets | 86.2579% | 3,228 |
| Equity capital to assets | 11.2792% | 2,492 |
| Core capital (leverage) ratio | 11.4891% | 1,942 |
| Tier 1 risk-based capital ratio | 15.6338% | 3,405 |
| Total risk-based capital ratio | 16.8887% | 3,349 |
| Memoranda: | ||
| Average total assets | $281,848,000 | 2,281 |
| Average earning assets | $261,334,000 | 2,255 |
| Average equity | $31,647,330 | 2,177 |
| Average total loans | $182,726,330 | 2,172 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1662% | 3,440 |
| Cost of funding earning assets | 0.4693% | 4,378 |
| Net interest margin | 3.6970% | 2,864 |
| Noninterest income to average assets | 1.3349% | 863 |
| Noninterest expense to average assets | 3.6456% | 1,344 |
| Loan and lease loss provision to assets | 0.2945% | 1,189 |
| Net operating income to assets | 0.5608% | 4,406 |
| Return on assets (ROA) | 0.5637% | 4,543 |
| Pretax return on assets | 0.8343% | 4,024 |
| Return on Equity (ROE) | 5.0309% | 4,552 |
| Retained earnings to average equity (ytd only) | 3.4666% | 4,172 |
| Net charge-offs to loans | 0.4599% | 1,298 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 3.8190% | 2,669 |
| Efficiency ratio | 76.4256% | 2,860 |
| Assets per employee ($millions) | 3.8462% | 4,261 |
| Cash dividends to net income (ytd only)* | 31.0945% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6139% | 3,338 |
| Loan loss allowance to noncurrent loans | 81.6400% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 3.0163% | 1,486 |
| Noncurrent loans to loans | 1.9768% | 2,641 |
| Net loans and leases to total assets | 63.3349% | 2,825 |
| Net loans and leases to deposits | 72.7802% | 3,087 |
| Net loans and leases to core deposits | 77.8387% | 3,092 |
| Total domestic deposits to total assets | 87.0221% | 2,948 |
| Equity capital to assets | 11.2613% | 2,665 |
| Core capital (leverage) ratio | 11.1234% | 2,158 |
| Tier 1 risk-based capital ratio | 15.7515% | 3,401 |
| Total risk-based capital ratio | 17.0050% | 3,355 |
| Memoranda: | ||
| Average total assets | $285,275,000 | 2,282 |
| Average earning assets | $265,083,000 | 2,255 |
| Average equity | $31,962,500 | 2,183 |
| Average total loans | $182,662,500 | 2,183 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5571% | 3,181 |
| Cost of funding earning assets | 0.6528% | 3,893 |
| Net interest margin | 3.9043% | 2,808 |
| Noninterest income to average assets | 1.2173% | 1,053 |
| Noninterest expense to average assets | 3.7848% | 1,281 |
| Loan and lease loss provision to assets | 0.2284% | 2,846 |
| Net operating income to assets | 0.5818% | 4,320 |
| Return on assets (ROA) | 0.5832% | 4,574 |
| Pretax return on assets | 0.8668% | 4,042 |
| Return on Equity (ROE) | 5.1248% | 4,622 |
| Retained earnings to average equity (ytd only) | 2.2126% | 4,682 |
| Net charge-offs to loans | 0.4119% | 2,607 |
| Credit loss provision to net charge-offs | 79.7484% | 3,842 |
| Earnings coverage of net charge-offs (x) | 3.8164% | 3,591 |
| Efficiency ratio | 77.5923% | 2,511 |
| Assets per employee ($millions) | 3.5300% | 4,955 |
| Cash dividends to net income (ytd only)* | 56.8252% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6238% | 3,205 |
| Loan loss allowance to noncurrent loans | 65.1465% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 3.3473% | 1,373 |
| Noncurrent loans to loans | 2.4925% | 2,125 |
| Net loans and leases to total assets | 62.6542% | 3,139 |
| Net loans and leases to deposits | 72.8855% | 3,270 |
| Net loans and leases to core deposits | 77.8473% | 3,282 |
| Total domestic deposits to total assets | 85.9626% | 3,375 |
| Equity capital to assets | 11.1472% | 2,792 |
| Core capital (leverage) ratio | 11.1576% | 2,117 |
| Tier 1 risk-based capital ratio | 15.6629% | 3,340 |
| Total risk-based capital ratio | 16.9181% | 3,295 |
| Memoranda: | ||
| Average total assets | $277,584,800 | 2,290 |
| Average earning assets | $260,253,600 | 2,238 |
| Average equity | $31,591,400 | 2,163 |
| Average total loans | $193,019,400 | 2,069 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6412% | 3,053 |
| Cost of funding earning assets | 0.6986% | 3,778 |
| Net interest margin | 3.9425% | 2,739 |
| Noninterest income to average assets | 1.1257% | 1,188 |
| Noninterest expense to average assets | 3.7192% | 1,339 |
| Loan and lease loss provision to assets | 0.2212% | 2,851 |
| Net operating income to assets | 0.5991% | 4,401 |
| Return on assets (ROA) | 0.6011% | 4,652 |
| Pretax return on assets | 0.8915% | 4,145 |
| Return on Equity (ROE) | 5.2535% | 4,703 |
| Retained earnings to average equity (ytd only) | 3.0328% | 4,731 |
| Net charge-offs to loans | 0.3351% | 2,780 |
| Credit loss provision to net charge-offs | 92.8862% | 3,212 |
| Earnings coverage of net charge-offs (x) | 4.6606% | 3,238 |
| Efficiency ratio | 77.0194% | 2,522 |
| Assets per employee ($millions) | 3.5192% | 4,935 |
| Cash dividends to net income (ytd only)* | 42.2703% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6243% | 3,434 |
| Loan loss allowance to noncurrent loans | 42.0945% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 3.1089% | 1,670 |
| Noncurrent loans to loans | 3.8587% | 1,352 |
| Net loans and leases to total assets | 68.0230% | 2,293 |
| Net loans and leases to deposits | 78.6474% | 2,573 |
| Net loans and leases to core deposits | 84.0992% | 2,679 |
| Total domestic deposits to total assets | 86.4911% | 2,989 |
| Equity capital to assets | 11.6383% | 2,610 |
| Core capital (leverage) ratio | 11.4396% | 2,029 |
| Tier 1 risk-based capital ratio | 15.5537% | 3,502 |
| Total risk-based capital ratio | 16.8083% | 3,462 |
| Memoranda: | ||
| Average total assets | $275,499,000 | 2,326 |
| Average earning assets | $258,780,000 | 2,267 |
| Average equity | $31,521,000 | 2,188 |
| Average total loans | $195,748,500 | 2,068 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6729% | 3,033 |
| Cost of funding earning assets | 0.7390% | 3,695 |
| Net interest margin | 3.9340% | 2,770 |
| Noninterest income to average assets | 1.0601% | 1,286 |
| Noninterest expense to average assets | 3.6602% | 1,448 |
| Loan and lease loss provision to assets | 0.2951% | 2,217 |
| Net operating income to assets | 0.5421% | 4,617 |
| Return on assets (ROA) | 0.5431% | 4,890 |
| Pretax return on assets | 0.8041% | 4,461 |
| Return on Equity (ROE) | 4.7739% | 4,922 |
| Retained earnings to average equity (ytd only) | 1.9057% | 5,248 |
| Net charge-offs to loans | 0.4147% | 2,378 |
| Credit loss provision to net charge-offs | 99.2683% | 2,799 |
| Earnings coverage of net charge-offs (x) | 3.6927% | 3,301 |
| Efficiency ratio | 76.9278% | 2,607 |
| Assets per employee ($millions) | 3.4309% | 5,137 |
| Cash dividends to net income (ytd only)* | 60.0801% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6157% | 3,550 |
| Loan loss allowance to noncurrent loans | 43.7193% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 3.2805% | 1,654 |
| Noncurrent loans to loans | 3.6957% | 1,535 |
| Net loans and leases to total assets | 69.1059% | 2,088 |
| Net loans and leases to deposits | 79.7247% | 2,418 |
| Net loans and leases to core deposits | 85.3071% | 2,513 |
| Total domestic deposits to total assets | 86.6807% | 2,966 |
| Equity capital to assets | 11.4747% | 2,618 |
| Core capital (leverage) ratio | 11.2416% | 2,095 |
| Tier 1 risk-based capital ratio | 15.0404% | 3,746 |
| Total risk-based capital ratio | 16.2944% | 3,700 |
| Memoranda: | ||
| Average total assets | $275,832,000 | 2,328 |
| Average earning assets | $259,281,330 | 2,262 |
| Average equity | $31,379,000 | 2,180 |
| Average total loans | $197,729,330 | 2,048 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7021% | 3,049 |
| Cost of funding earning assets | 0.7896% | 3,551 |
| Net interest margin | 3.9125% | 2,872 |
| Noninterest income to average assets | 1.5319% | 616 |
| Noninterest expense to average assets | 3.7539% | 1,293 |
| Loan and lease loss provision to assets | 0.3862% | 1,630 |
| Net operating income to assets | 0.7170% | 3,797 |
| Return on assets (ROA) | 0.7190% | 4,011 |
| Pretax return on assets | 1.0719% | 3,423 |
| Return on Equity (ROE) | 6.3472% | 4,119 |
| Retained earnings to average equity (ytd only) | 5.3894% | 3,320 |
| Net charge-offs to loans | 0.4955% | 1,854 |
| Credit loss provision to net charge-offs | 107.6613% | 2,167 |
| Earnings coverage of net charge-offs (x) | 4.0565% | 2,676 |
| Efficiency ratio | 72.0633% | 3,432 |
| Assets per employee ($millions) | 3.6418% | 4,789 |
| Cash dividends to net income (ytd only)* | 15.0905% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 3,744 |
| Loan loss allowance to noncurrent loans | 39.3157% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 3.3208% | 1,739 |
| Noncurrent loans to loans | 4.0563% | 1,499 |
| Net loans and leases to total assets | 69.9375% | 1,766 |
| Net loans and leases to deposits | 80.5516% | 2,136 |
| Net loans and leases to core deposits | 86.5875% | 2,219 |
| Total domestic deposits to total assets | 86.8231% | 3,054 |
| Equity capital to assets | 11.3884% | 2,535 |
| Core capital (leverage) ratio | 11.3119% | 2,027 |
| Tier 1 risk-based capital ratio | 14.7437% | 3,932 |
| Total risk-based capital ratio | 15.9973% | 3,888 |
| Memoranda: | ||
| Average total assets | $276,511,500 | 2,334 |
| Average earning assets | $259,884,000 | 2,279 |
| Average equity | $31,321,000 | 2,182 |
| Average total loans | $200,198,000 | 2,035 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9419% | 3,146 |
| Cost of funding earning assets | 1.1119% | 2,598 |
| Net interest margin | 3.8301% | 3,675 |
| Noninterest income to average assets | 1.1220% | 1,052 |
| Noninterest expense to average assets | 3.6744% | 1,584 |
| Loan and lease loss provision to assets | 0.8048% | 1,215 |
| Net operating income to assets | 0.1597% | 5,707 |
| Return on assets (ROA) | 0.1896% | 5,749 |
| Pretax return on assets | 0.2797% | 5,610 |
| Return on Equity (ROE) | 1.6766% | 5,782 |
| Retained earnings to average equity (ytd only) | 0.6407% | 5,546 |
| Net charge-offs to loans | 1.0902% | 1,581 |
| Credit loss provision to net charge-offs | 97.9386% | 3,669 |
| Earnings coverage of net charge-offs (x) | 1.2662% | 4,831 |
| Efficiency ratio | 77.9315% | 2,596 |
| Assets per employee ($millions) | 3.4968% | 5,020 |
| Cash dividends to net income (ytd only)* | 61.7871% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5308% | 3,883 |
| Loan loss allowance to noncurrent loans | 33.0822% | 6,000 |
| Noncurrent assets plus other real estate owned to assets | 3.5041% | 1,691 |
| Noncurrent loans to loans | 4.6271% | 1,279 |
| Net loans and leases to total assets | 72.6056% | 1,537 |
| Net loans and leases to deposits | 84.8168% | 1,830 |
| Net loans and leases to core deposits | 91.2322% | 1,962 |
| Total domestic deposits to total assets | 85.6029% | 3,533 |
| Equity capital to assets | 11.2659% | 2,725 |
| Core capital (leverage) ratio | 11.0812% | 2,210 |
| Tier 1 risk-based capital ratio | 14.4873% | 3,985 |
| Total risk-based capital ratio | 15.7406% | 3,965 |
| Memoranda: | ||
| Average total assets | $277,459,200 | 2,286 |
| Average earning assets | $260,283,400 | 2,236 |
| Average equity | $31,372,400 | 2,111 |
| Average total loans | $209,133,000 | 1,964 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9914% | 3,131 |
| Cost of funding earning assets | 1.1628% | 2,546 |
| Net interest margin | 3.8285% | 3,729 |
| Noninterest income to average assets | 1.0498% | 1,218 |
| Noninterest expense to average assets | 3.5896% | 1,728 |
| Loan and lease loss provision to assets | 0.4848% | 2,053 |
| Net operating income to assets | 0.3763% | 5,096 |
| Return on assets (ROA) | 0.4123% | 5,130 |
| Pretax return on assets | 0.6183% | 4,745 |
| Return on Equity (ROE) | 3.6434% | 5,154 |
| Retained earnings to average equity (ytd only) | 3.4313% | 4,291 |
| Net charge-offs to loans | 0.3370% | 3,407 |
| Credit loss provision to net charge-offs | 189.8496% | 1,533 |
| Earnings coverage of net charge-offs (x) | 4.1090% | 3,180 |
| Efficiency ratio | 77.3800% | 2,628 |
| Assets per employee ($millions) | 3.5971% | 4,769 |
| Cash dividends to net income (ytd only)* | 5.8212% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7986% | 2,952 |
| Loan loss allowance to noncurrent loans | 33.8443% | 6,035 |
| Noncurrent assets plus other real estate owned to assets | 4.0577% | 1,508 |
| Noncurrent loans to loans | 5.3145% | 1,139 |
| Net loans and leases to total assets | 71.8107% | 1,753 |
| Net loans and leases to deposits | 83.0019% | 2,175 |
| Net loans and leases to core deposits | 89.2865% | 2,328 |
| Total domestic deposits to total assets | 86.5169% | 2,923 |
| Equity capital to assets | 11.4760% | 2,703 |
| Core capital (leverage) ratio | 11.2634% | 2,185 |
| Tier 1 risk-based capital ratio | 15.7206% | 3,267 |
| Total risk-based capital ratio | 16.9783% | 3,223 |
| Memoranda: | ||
| Average total assets | $277,761,500 | 2,294 |
| Average earning assets | $260,389,500 | 2,243 |
| Average equity | $31,435,000 | 2,111 |
| Average total loans | $210,493,500 | 1,970 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0285% | 3,022 |
| Cost of funding earning assets | 1.2038% | 2,556 |
| Net interest margin | 3.8247% | 3,672 |
| Noninterest income to average assets | 1.1172% | 1,037 |
| Noninterest expense to average assets | 3.5911% | 1,763 |
| Loan and lease loss provision to assets | 0.1345% | 4,618 |
| Net operating income to assets | 0.6460% | 3,817 |
| Return on assets (ROA) | 0.6992% | 3,664 |
| Pretax return on assets | 1.0560% | 3,021 |
| Return on Equity (ROE) | 6.2073% | 3,854 |
| Retained earnings to average equity (ytd only) | 5.8880% | 2,496 |
| Net charge-offs to loans | 0.1145% | 4,562 |
| Credit loss provision to net charge-offs | 153.2787% | 1,992 |
| Earnings coverage of net charge-offs (x) | 12.6475% | 1,612 |
| Efficiency ratio | 76.3887% | 2,952 |
| Assets per employee ($millions) | 3.3475% | 5,328 |
| Cash dividends to net income (ytd only)* | 5.1440% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5723% | 3,814 |
| Loan loss allowance to noncurrent loans | 28.0552% | 6,376 |
| Noncurrent assets plus other real estate owned to assets | 4.4507% | 1,419 |
| Noncurrent loans to loans | 5.6042% | 1,115 |
| Net loans and leases to total assets | 72.7766% | 1,634 |
| Net loans and leases to deposits | 84.1286% | 2,090 |
| Net loans and leases to core deposits | 90.4623% | 2,310 |
| Total domestic deposits to total assets | 86.5064% | 3,038 |
| Equity capital to assets | 11.4569% | 2,542 |
| Core capital (leverage) ratio | 11.2426% | 2,078 |
| Tier 1 risk-based capital ratio | 15.2247% | 3,384 |
| Total risk-based capital ratio | 16.4794% | 3,345 |
| Memoranda: | ||
| Average total assets | $278,023,000 | 2,309 |
| Average earning assets | $260,516,670 | 2,250 |
| Average equity | $31,318,000 | 2,110 |
| Average total loans | $213,144,000 | 1,968 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1251% | 2,533 |
| Cost of funding earning assets | 1.2717% | 2,354 |
| Net interest margin | 3.8534% | 3,364 |
| Noninterest income to average assets | 1.3592% | 696 |
| Noninterest expense to average assets | 3.6546% | 1,643 |
| Loan and lease loss provision to assets | 0.0834% | 4,953 |
| Net operating income to assets | 0.8117% | 2,968 |
| Return on assets (ROA) | 0.8126% | 3,027 |
| Pretax return on assets | 1.2312% | 2,264 |
| Return on Equity (ROE) | 7.2760% | 3,253 |
| Retained earnings to average equity (ytd only) | 6.6321% | 2,314 |
| Net charge-offs to loans | -0.0332% | 6,745 |
| Credit loss provision to net charge-offs | -322.2222% | 5,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5669% | 3,600 |
| Assets per employee ($millions) | 3.4757% | 5,048 |
| Cash dividends to net income (ytd only)* | 8.8496% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5393% | 4,011 |
| Loan loss allowance to noncurrent loans | 28.5903% | 6,375 |
| Noncurrent assets plus other real estate owned to assets | 4.3336% | 1,511 |
| Noncurrent loans to loans | 5.3841% | 1,219 |
| Net loans and leases to total assets | 74.5545% | 1,258 |
| Net loans and leases to deposits | 85.9195% | 1,743 |
| Net loans and leases to core deposits | 92.4292% | 2,077 |
| Total domestic deposits to total assets | 86.7725% | 3,077 |
| Equity capital to assets | 11.2610% | 2,444 |
| Core capital (leverage) ratio | 11.0221% | 2,173 |
| Tier 1 risk-based capital ratio | 14.8540% | 3,502 |
| Total risk-based capital ratio | 16.1084% | 3,464 |
| Memoranda: | ||
| Average total assets | $278,113,500 | 2,318 |
| Average earning assets | $260,445,000 | 2,268 |
| Average equity | $31,061,000 | 2,109 |
| Average total loans | $216,999,000 | 1,949 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5733% | 1,993 |
| Cost of funding earning assets | 1.5931% | 2,107 |
| Net interest margin | 3.9802% | 3,106 |
| Noninterest income to average assets | 1.3868% | 757 |
| Noninterest expense to average assets | 3.3208% | 2,664 |
| Loan and lease loss provision to assets | 1.2331% | 1,258 |
| Net operating income to assets | 0.3798% | 4,640 |
| Return on assets (ROA) | 0.3798% | 4,783 |
| Pretax return on assets | 0.5767% | 4,393 |
| Return on Equity (ROE) | 3.5066% | 4,752 |
| Retained earnings to average equity (ytd only) | -1.4707% | 5,881 |
| Net charge-offs to loans | 1.7829% | 1,187 |
| Credit loss provision to net charge-offs | 86.6325% | 5,255 |
| Earnings coverage of net charge-offs (x) | 1.2715% | 4,833 |
| Efficiency ratio | 64.7254% | 5,216 |
| Assets per employee ($millions) | 3.3514% | 5,301 |
| Cash dividends to net income (ytd only)* | 141.9414% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4164% | 4,443 |
| Loan loss allowance to noncurrent loans | 27.4931% | 6,440 |
| Noncurrent assets plus other real estate owned to assets | 4.3937% | 1,520 |
| Noncurrent loans to loans | 5.1519% | 1,291 |
| Net loans and leases to total assets | 79.1919% | 771 |
| Net loans and leases to deposits | 91.9503% | 1,269 |
| Net loans and leases to core deposits | 98.9689% | 1,709 |
| Total domestic deposits to total assets | 86.1247% | 3,289 |
| Equity capital to assets | 11.0760% | 2,622 |
| Core capital (leverage) ratio | 10.8779% | 2,248 |
| Tier 1 risk-based capital ratio | 14.2827% | 3,689 |
| Total risk-based capital ratio | 15.5362% | 3,639 |
| Memoranda: | ||
| Average total assets | $287,493,600 | 2,229 |
| Average earning assets | $270,414,200 | 2,177 |
| Average equity | $31,141,000 | 2,106 |
| Average total loans | $229,514,400 | 1,903 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5994% | 2,065 |
| Cost of funding earning assets | 1.6532% | 2,088 |
| Net interest margin | 3.9463% | 3,338 |
| Noninterest income to average assets | 1.2035% | 960 |
| Noninterest expense to average assets | 3.2755% | 2,657 |
| Loan and lease loss provision to assets | 1.0374% | 1,427 |
| Net operating income to assets | 0.3989% | 4,756 |
| Return on assets (ROA) | 0.3989% | 4,933 |
| Pretax return on assets | 0.6068% | 4,575 |
| Return on Equity (ROE) | 3.7022% | 4,912 |
| Retained earnings to average equity (ytd only) | -2.7030% | 6,314 |
| Net charge-offs to loans | 1.3112% | 1,555 |
| Credit loss provision to net charge-offs | 99.2518% | 4,395 |
| Earnings coverage of net charge-offs (x) | 1.5731% | 4,542 |
| Efficiency ratio | 66.5794% | 4,733 |
| Assets per employee ($millions) | 3.3473% | 5,337 |
| Cash dividends to net income (ytd only)* | 173.0105% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6122% | 3,473 |
| Loan loss allowance to noncurrent loans | 29.4845% | 6,365 |
| Noncurrent assets plus other real estate owned to assets | 4.9218% | 1,321 |
| Noncurrent loans to loans | 5.4680% | 1,217 |
| Net loans and leases to total assets | 80.1967% | 718 |
| Net loans and leases to deposits | 95.0208% | 1,095 |
| Net loans and leases to core deposits | 102.3967% | 1,618 |
| Total domestic deposits to total assets | 84.3990% | 3,918 |
| Equity capital to assets | 10.9491% | 3,006 |
| Core capital (leverage) ratio | 10.7111% | 2,505 |
| Tier 1 risk-based capital ratio | 14.6248% | 3,444 |
| Total risk-based capital ratio | 15.8817% | 3,412 |
| Memoranda: | ||
| Average total assets | $289,824,500 | 2,246 |
| Average earning assets | $272,924,750 | 2,193 |
| Average equity | $31,223,750 | 2,115 |
| Average total loans | $231,029,750 | 1,914 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5752% | 2,226 |
| Cost of funding earning assets | 1.7070% | 2,084 |
| Net interest margin | 3.8682% | 3,598 |
| Noninterest income to average assets | 1.1725% | 935 |
| Noninterest expense to average assets | 3.1704% | 3,016 |
| Loan and lease loss provision to assets | 1.0604% | 1,364 |
| Net operating income to assets | 0.3847% | 4,824 |
| Return on assets (ROA) | 0.3847% | 4,990 |
| Pretax return on assets | 0.5849% | 4,608 |
| Return on Equity (ROE) | 3.5895% | 4,965 |
| Retained earnings to average equity (ytd only) | -4.0612% | 6,446 |
| Net charge-offs to loans | 1.3538% | 1,408 |
| Credit loss provision to net charge-offs | 98.9796% | 4,153 |
| Earnings coverage of net charge-offs (x) | 1.5357% | 4,339 |
| Efficiency ratio | 65.8343% | 5,013 |
| Assets per employee ($millions) | 3.5210% | 4,870 |
| Cash dividends to net income (ytd only)* | 213.1439% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6584% | 3,227 |
| Loan loss allowance to noncurrent loans | 34.8383% | 6,045 |
| Noncurrent assets plus other real estate owned to assets | 4.2254% | 1,593 |
| Noncurrent loans to loans | 4.7602% | 1,487 |
| Net loans and leases to total assets | 76.8480% | 1,320 |
| Net loans and leases to deposits | 90.8670% | 1,714 |
| Net loans and leases to core deposits | 98.3487% | 2,191 |
| Total domestic deposits to total assets | 84.5720% | 3,836 |
| Equity capital to assets | 10.8029% | 3,072 |
| Core capital (leverage) ratio | 10.3471% | 2,777 |
| Tier 1 risk-based capital ratio | 14.7513% | 3,292 |
| Total risk-based capital ratio | 16.0063% | 3,264 |
| Memoranda: | ||
| Average total assets | $292,707,670 | 2,249 |
| Average earning assets | $275,683,670 | 2,194 |
| Average equity | $31,369,670 | 2,105 |
| Average total loans | $231,643,670 | 1,930 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6512% | 1,957 |
| Cost of funding earning assets | 1.7667% | 2,029 |
| Net interest margin | 3.8845% | 3,397 |
| Noninterest income to average assets | 1.3412% | 668 |
| Noninterest expense to average assets | 3.1357% | 3,119 |
| Loan and lease loss provision to assets | 0.3400% | 3,348 |
| Net operating income to assets | 1.0011% | 2,182 |
| Return on assets (ROA) | 1.0011% | 2,249 |
| Pretax return on assets | 1.5233% | 1,460 |
| Return on Equity (ROE) | 9.3777% | 2,345 |
| Retained earnings to average equity (ytd only) | 5.5862% | 2,818 |
| Net charge-offs to loans | 0.4288% | 2,760 |
| Credit loss provision to net charge-offs | 99.6047% | 3,459 |
| Earnings coverage of net charge-offs (x) | 5.4585% | 2,394 |
| Efficiency ratio | 62.7260% | 5,702 |
| Assets per employee ($millions) | 3.8444% | 4,216 |
| Cash dividends to net income (ytd only)* | 40.4313% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5936% | 3,478 |
| Loan loss allowance to noncurrent loans | 57.2950% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 2.6073% | 2,796 |
| Noncurrent loans to loans | 2.7814% | 2,877 |
| Net loans and leases to total assets | 77.4123% | 1,270 |
| Net loans and leases to deposits | 91.3700% | 1,702 |
| Net loans and leases to core deposits | 110.9489% | 1,223 |
| Total domestic deposits to total assets | 84.7240% | 3,793 |
| Equity capital to assets | 10.7621% | 2,987 |
| Core capital (leverage) ratio | 10.5354% | 2,588 |
| Tier 1 risk-based capital ratio | 14.4321% | 3,421 |
| Total risk-based capital ratio | 15.6880% | 3,387 |
| Memoranda: | ||
| Average total assets | $296,460,500 | 2,265 |
| Average earning assets | $279,162,500 | 2,213 |
| Average equity | $31,649,500 | 2,101 |
| Average total loans | $236,031,500 | 1,954 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9609% | 2,012 |
| Cost of funding earning assets | 2.1106% | 2,414 |
| Net interest margin | 3.8503% | 3,482 |
| Noninterest income to average assets | 1.6251% | 548 |
| Noninterest expense to average assets | 3.4220% | 2,609 |
| Loan and lease loss provision to assets | 0.7891% | 2,765 |
| Net operating income to assets | 0.6771% | 3,026 |
| Return on assets (ROA) | 0.6771% | 3,080 |
| Pretax return on assets | 1.0279% | 2,499 |
| Return on Equity (ROE) | 6.3039% | 3,074 |
| Retained earnings to average equity (ytd only) | 1.2150% | 4,188 |
| Net charge-offs to loans | 0.6872% | 3,127 |
| Credit loss provision to net charge-offs | 139.2405% | 3,516 |
| Earnings coverage of net charge-offs (x) | 3.2061% | 3,452 |
| Efficiency ratio | 65.3169% | 5,531 |
| Assets per employee ($millions) | 3.6655% | 4,607 |
| Cash dividends to net income (ytd only)* | 80.7265% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5498% | 3,480 |
| Loan loss allowance to noncurrent loans | 63.5849% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 2.4321% | 2,862 |
| Noncurrent loans to loans | 2.4373% | 3,114 |
| Net loans and leases to total assets | 79.3157% | 1,130 |
| Net loans and leases to deposits | 93.4844% | 1,663 |
| Net loans and leases to core deposits | 127.3538% | 1,424 |
| Total domestic deposits to total assets | 84.8438% | 3,622 |
| Equity capital to assets | 10.5897% | 3,082 |
| Core capital (leverage) ratio | 10.5239% | 2,581 |
| Tier 1 risk-based capital ratio | 13.4319% | 3,866 |
| Total risk-based capital ratio | 14.6653% | 3,821 |
| Memoranda: | ||
| Average total assets | $292,720,400 | 2,265 |
| Average earning assets | $274,757,000 | 2,206 |
| Average equity | $31,440,800 | 2,130 |
| Average total loans | $241,397,200 | 1,939 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9105% | 2,402 |
| Cost of funding earning assets | 2.1644% | 2,581 |
| Net interest margin | 3.7461% | 3,881 |
| Noninterest income to average assets | 1.6200% | 559 |
| Noninterest expense to average assets | 3.2890% | 2,957 |
| Loan and lease loss provision to assets | 0.4649% | 3,584 |
| Net operating income to assets | 0.9083% | 2,396 |
| Return on assets (ROA) | 0.9083% | 2,463 |
| Pretax return on assets | 1.3814% | 1,747 |
| Return on Equity (ROE) | 8.4262% | 2,473 |
| Retained earnings to average equity (ytd only) | 2.4893% | 3,930 |
| Net charge-offs to loans | 0.5323% | 3,089 |
| Credit loss provision to net charge-offs | 105.2795% | 4,825 |
| Earnings coverage of net charge-offs (x) | 4.1812% | 3,229 |
| Efficiency ratio | 64.0466% | 5,743 |
| Assets per employee ($millions) | 3.5027% | 4,922 |
| Cash dividends to net income (ytd only)* | 70.4579% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 4,670 |
| Loan loss allowance to noncurrent loans | 46.8546% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 2.4897% | 2,778 |
| Noncurrent loans to loans | 2.7158% | 2,787 |
| Net loans and leases to total assets | 83.4977% | 608 |
| Net loans and leases to deposits | 99.4204% | 1,167 |
| Net loans and leases to core deposits | 134.7267% | 1,164 |
| Total domestic deposits to total assets | 83.9845% | 3,731 |
| Equity capital to assets | 11.0239% | 2,984 |
| Core capital (leverage) ratio | 10.7267% | 2,620 |
| Tier 1 risk-based capital ratio | 13.4555% | 3,890 |
| Total risk-based capital ratio | 14.7071% | 3,821 |
| Memoranda: | ||
| Average total assets | $291,675,000 | 2,292 |
| Average earning assets | $273,698,000 | 2,234 |
| Average equity | $31,440,750 | 2,147 |
| Average total loans | $241,947,250 | 1,955 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8476% | 2,821 |
| Cost of funding earning assets | 2.2017% | 2,784 |
| Net interest margin | 3.6459% | 4,189 |
| Noninterest income to average assets | 1.8488% | 430 |
| Noninterest expense to average assets | 3.3033% | 2,942 |
| Loan and lease loss provision to assets | 0.4455% | 3,313 |
| Net operating income to assets | 0.9940% | 2,135 |
| Return on assets (ROA) | 0.9940% | 2,228 |
| Pretax return on assets | 1.5118% | 1,413 |
| Return on Equity (ROE) | 9.2901% | 2,256 |
| Retained earnings to average equity (ytd only) | 3.8704% | 3,128 |
| Net charge-offs to loans | 0.5033% | 2,817 |
| Credit loss provision to net charge-offs | 107.4013% | 4,297 |
| Earnings coverage of net charge-offs (x) | 4.7188% | 3,026 |
| Efficiency ratio | 62.7934% | 6,123 |
| Assets per employee ($millions) | 3.4874% | 4,846 |
| Cash dividends to net income (ytd only)* | 58.3391% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 4,203 |
| Loan loss allowance to noncurrent loans | 45.4000% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 2.5396% | 2,534 |
| Noncurrent loans to loans | 2.8884% | 2,499 |
| Net loans and leases to total assets | 80.7050% | 1,191 |
| Net loans and leases to deposits | 96.0578% | 1,789 |
| Net loans and leases to core deposits | 127.6338% | 1,735 |
| Total domestic deposits to total assets | 84.0171% | 3,760 |
| Equity capital to assets | 10.9337% | 2,980 |
| Core capital (leverage) ratio | 10.7349% | 2,625 |
| Tier 1 risk-based capital ratio | 13.3355% | 3,908 |
| Total risk-based capital ratio | 14.5330% | 3,868 |
| Memoranda: | ||
| Average total assets | $293,159,670 | 2,299 |
| Average earning assets | $274,336,670 | 2,255 |
| Average equity | $31,366,670 | 2,158 |
| Average total loans | $241,625,000 | 1,995 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9423% | 2,598 |
| Cost of funding earning assets | 2.2617% | 2,878 |
| Net interest margin | 3.6807% | 3,978 |
| Noninterest income to average assets | 1.4521% | 666 |
| Noninterest expense to average assets | 3.0819% | 3,439 |
| Loan and lease loss provision to assets | 0.6129% | 2,055 |
| Net operating income to assets | 0.7796% | 3,217 |
| Return on assets (ROA) | 0.7796% | 3,381 |
| Pretax return on assets | 1.1864% | 2,670 |
| Return on Equity (ROE) | 7.3657% | 3,441 |
| Retained earnings to average equity (ytd only) | 4.1632% | 3,599 |
| Net charge-offs to loans | 0.6572% | 1,870 |
| Credit loss provision to net charge-offs | 112.7182% | 3,441 |
| Earnings coverage of net charge-offs (x) | 3.3092% | 3,217 |
| Efficiency ratio | 63.1389% | 5,846 |
| Assets per employee ($millions) | 3.3530% | 5,198 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 4,268 |
| Loan loss allowance to noncurrent loans | 55.4266% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 1.9204% | 3,027 |
| Noncurrent loans to loans | 2.2930% | 2,863 |
| Net loans and leases to total assets | 82.6840% | 899 |
| Net loans and leases to deposits | 98.9530% | 1,539 |
| Net loans and leases to core deposits | 130.7487% | 1,613 |
| Total domestic deposits to total assets | 83.5588% | 3,895 |
| Equity capital to assets | 10.7637% | 3,220 |
| Core capital (leverage) ratio | 10.6067% | 2,824 |
| Tier 1 risk-based capital ratio | 12.9706% | 4,200 |
| Total risk-based capital ratio | 14.2217% | 4,126 |
| Memoranda: | ||
| Average total assets | $295,013,000 | 2,304 |
| Average earning assets | $274,841,500 | 2,266 |
| Average equity | $31,226,000 | 2,174 |
| Average total loans | $244,084,000 | 1,997 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7002% | 2,023 |
| Cost of funding earning assets | 2.9190% | 2,180 |
| Net interest margin | 3.7813% | 4,100 |
| Noninterest income to average assets | 1.0219% | 1,516 |
| Noninterest expense to average assets | 3.1052% | 3,676 |
| Loan and lease loss provision to assets | 0.5749% | 2,527 |
| Net operating income to assets | 0.5793% | 4,397 |
| Return on assets (ROA) | 0.5793% | 4,260 |
| Pretax return on assets | 0.8814% | 3,794 |
| Return on Equity (ROE) | 5.5288% | 4,148 |
| Retained earnings to average equity (ytd only) | 1.0050% | 4,626 |
| Net charge-offs to loans | 0.5631% | 2,127 |
| Credit loss provision to net charge-offs | 126.7164% | 4,215 |
| Earnings coverage of net charge-offs (x) | 3.2097% | 4,482 |
| Efficiency ratio | 68.0745% | 4,712 |
| Assets per employee ($millions) | 3.1401% | 5,653 |
| Cash dividends to net income (ytd only)* | 81.8235% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2478% | 4,165 |
| Loan loss allowance to noncurrent loans | 45.0215% | 5,758 |
| Noncurrent assets plus other real estate owned to assets | 2.2768% | 2,137 |
| Noncurrent loans to loans | 2.7716% | 1,961 |
| Net loans and leases to total assets | 80.7273% | 1,498 |
| Net loans and leases to deposits | 101.2202% | 1,674 |
| Net loans and leases to core deposits | 133.6233% | 1,619 |
| Total domestic deposits to total assets | 79.7542% | 5,112 |
| Equity capital to assets | 10.4095% | 3,600 |
| Core capital (leverage) ratio | 10.3147% | 3,161 |
| Tier 1 risk-based capital ratio | 13.1805% | 4,009 |
| Total risk-based capital ratio | 14.4313% | 3,922 |
| Memoranda: | ||
| Average total assets | $295,339,800 | 2,227 |
| Average earning assets | $276,468,800 | 2,190 |
| Average equity | $30,946,800 | 2,175 |
| Average total loans | $237,988,000 | 1,986 |