Home > South Georgia Banking Company > Performance and Condition Ratios
South Georgia Banking Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0842% | 1,890 |
| Cost of funding earning assets | 0.3387% | 4,349 |
| Net interest margin | 4.7455% | 449 |
| Noninterest income to average assets | 1.2700% | 469 |
| Noninterest expense to average assets | 2.9137% | 1,251 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.9779% | 484 |
| Return on assets (ROA) | 1.9779% | 464 |
| Pretax return on assets | 2.5094% | 335 |
| Return on Equity (ROE) | 18.9300% | 715 |
| Retained earnings to average equity (ytd only) | 6.4581% | 2,074 |
| Net charge-offs to loans | 0.0036% | 2,630 |
| Credit loss provision to net charge-offs | 2,500.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 1,295.8333% | 122 |
| Efficiency ratio | 53.2429% | 3,735 |
| Assets per employee ($millions) | 4.9938% | 3,639 |
| Cash dividends to net income (ytd only)* | 65.8902% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4250% | 1,294 |
| Loan loss allowance to noncurrent loans | 1,796.9697% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 3,307 |
| Noncurrent loans to loans | 0.0793% | 3,152 |
| Net loans and leases to total assets | 54.7600% | 3,292 |
| Net loans and leases to deposits | 61.6571% | 3,430 |
| Net loans and leases to core deposits | 63.3719% | 3,618 |
| Total domestic deposits to total assets | 88.8200% | 1,113 |
| Equity capital to assets | 10.8358% | 1,566 |
| Core capital (leverage) ratio | 11.5035% | 1,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1495% | 888 |
| Memoranda: | ||
| Average total assets | $607,724,200 | 1,461 |
| Average earning assets | $538,526,800 | 1,528 |
| Average equity | $63,485,800 | 1,336 |
| Average total loans | $331,933,600 | 1,676 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9076% | 2,044 |
| Cost of funding earning assets | 0.3063% | 4,355 |
| Net interest margin | 4.6013% | 527 |
| Noninterest income to average assets | 1.3600% | 439 |
| Noninterest expense to average assets | 2.7526% | 1,535 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 2.0798% | 448 |
| Return on assets (ROA) | 2.0798% | 443 |
| Pretax return on assets | 2.6992% | 313 |
| Return on Equity (ROE) | 20.0900% | 715 |
| Retained earnings to average equity (ytd only) | 16.9251% | 397 |
| Net charge-offs to loans | -0.0016% | 3,544 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.1874% | 3,900 |
| Assets per employee ($millions) | 5.0344% | 3,582 |
| Cash dividends to net income (ytd only)* | 15.7679% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4012% | 1,437 |
| Loan loss allowance to noncurrent loans | 1,347.9532% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 3,219 |
| Noncurrent loans to loans | 0.1039% | 3,055 |
| Net loans and leases to total assets | 55.5500% | 3,245 |
| Net loans and leases to deposits | 62.9685% | 3,334 |
| Net loans and leases to core deposits | 64.7243% | 3,494 |
| Total domestic deposits to total assets | 88.2100% | 1,506 |
| Equity capital to assets | 11.2218% | 1,267 |
| Core capital (leverage) ratio | 12.3125% | 1,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8351% | 717 |
| Memoranda: | ||
| Average total assets | $609,842,000 | 1,456 |
| Average earning assets | $546,353,250 | 1,505 |
| Average equity | $63,123,750 | 1,338 |
| Average total loans | $331,688,500 | 1,673 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7853% | 2,026 |
| Cost of funding earning assets | 0.2609% | 4,369 |
| Net interest margin | 4.5244% | 591 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 2.6928% | 1,656 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.6011% | 949 |
| Return on assets (ROA) | 1.6011% | 948 |
| Pretax return on assets | 2.0580% | 680 |
| Return on Equity (ROE) | 15.8900% | 1,284 |
| Retained earnings to average equity (ytd only) | 15.8890% | 485 |
| Net charge-offs to loans | -0.0048% | 3,706 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.3931% | 3,370 |
| Assets per employee ($millions) | 5.1621% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 1,765 |
| Loan loss allowance to noncurrent loans | 1,383.8415% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 3,230 |
| Noncurrent loans to loans | 0.0966% | 3,015 |
| Net loans and leases to total assets | 55.9200% | 3,126 |
| Net loans and leases to deposits | 63.0129% | 3,253 |
| Net loans and leases to core deposits | 64.4862% | 3,417 |
| Total domestic deposits to total assets | 88.7500% | 1,331 |
| Equity capital to assets | 10.8410% | 1,449 |
| Core capital (leverage) ratio | 11.5642% | 1,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0559% | 950 |
| Memoranda: | ||
| Average total assets | $618,457,667 | 1,435 |
| Average earning assets | $554,945,667 | 1,481 |
| Average equity | $62,320,000 | 1,349 |
| Average total loans | $332,583,000 | 1,658 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5715% | 2,146 |
| Cost of funding earning assets | 0.2229% | 4,340 |
| Net interest margin | 4.3486% | 749 |
| Noninterest income to average assets | 0.7800% | 892 |
| Noninterest expense to average assets | 2.6198% | 1,897 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6222% | 945 |
| Return on assets (ROA) | 1.6222% | 945 |
| Pretax return on assets | 2.0844% | 674 |
| Return on Equity (ROE) | 16.7000% | 1,221 |
| Retained earnings to average equity (ytd only) | 16.7022% | 618 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.6909% | 3,435 |
| Assets per employee ($millions) | 5.3198% | 3,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 1,907 |
| Loan loss allowance to noncurrent loans | 537.5151% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.1355% | 2,565 |
| Noncurrent loans to loans | 0.2471% | 2,261 |
| Net loans and leases to total assets | 54.1200% | 3,193 |
| Net loans and leases to deposits | 60.5725% | 3,297 |
| Net loans and leases to core deposits | 61.7991% | 3,456 |
| Total domestic deposits to total assets | 89.3500% | 1,396 |
| Equity capital to assets | 10.3052% | 1,670 |
| Core capital (leverage) ratio | 10.6516% | 2,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2222% | 1,127 |
| Memoranda: | ||
| Average total assets | $628,285,500 | 1,439 |
| Average earning assets | $567,074,000 | 1,471 |
| Average equity | $61,022,000 | 1,381 |
| Average total loans | $329,168,000 | 1,687 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6759% | 2,595 |
| Cost of funding earning assets | 0.1100% | 4,342 |
| Net interest margin | 3.5659% | 1,741 |
| Noninterest income to average assets | 0.6900% | 1,336 |
| Noninterest expense to average assets | 2.5826% | 1,876 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.9354% | 2,829 |
| Return on assets (ROA) | 0.9354% | 2,774 |
| Pretax return on assets | 1.1521% | 2,597 |
| Return on Equity (ROE) | 9.3800% | 3,000 |
| Retained earnings to average equity (ytd only) | 4.8069% | 3,140 |
| Net charge-offs to loans | 0.0019% | 2,468 |
| Credit loss provision to net charge-offs | 4,166.6667% | 155 |
| Earnings coverage of net charge-offs (x) | 1,240.6667% | 142 |
| Efficiency ratio | 68.4188% | 1,910 |
| Assets per employee ($millions) | 5.6561% | 3,081 |
| Cash dividends to net income (ytd only)* | 48.7417% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 1,348 |
| Loan loss allowance to noncurrent loans | 595.0318% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.1217% | 2,676 |
| Noncurrent loans to loans | 0.2432% | 2,306 |
| Net loans and leases to total assets | 49.3400% | 3,557 |
| Net loans and leases to deposits | 54.3915% | 3,659 |
| Net loans and leases to core deposits | 55.4217% | 3,745 |
| Total domestic deposits to total assets | 90.7100% | 1,054 |
| Equity capital to assets | 9.1501% | 2,265 |
| Core capital (leverage) ratio | 10.2156% | 2,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6627% | 1,196 |
| Memoranda: | ||
| Average total assets | $624,438,400 | 1,431 |
| Average earning assets | $539,922,800 | 1,521 |
| Average equity | $62,285,000 | 1,357 |
| Average total loans | $308,964,400 | 1,682 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5195% | 2,553 |
| Cost of funding earning assets | 0.0953% | 4,320 |
| Net interest margin | 3.4242% | 1,898 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.4765% | 2,079 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9018% | 2,856 |
| Return on assets (ROA) | 0.9018% | 2,835 |
| Pretax return on assets | 1.1188% | 2,663 |
| Return on Equity (ROE) | 8.8500% | 3,077 |
| Retained earnings to average equity (ytd only) | 5.6813% | 2,865 |
| Net charge-offs to loans | 0.0048% | 2,006 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 472.4545% | 331 |
| Efficiency ratio | 68.8821% | 1,900 |
| Assets per employee ($millions) | 5.4805% | 3,243 |
| Cash dividends to net income (ytd only)* | 35.8081% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 1,912 |
| Loan loss allowance to noncurrent loans | 523.8434% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.1373% | 2,644 |
| Noncurrent loans to loans | 0.2530% | 2,366 |
| Net loans and leases to total assets | 53.5700% | 3,139 |
| Net loans and leases to deposits | 59.4130% | 3,251 |
| Net loans and leases to core deposits | 60.7426% | 3,330 |
| Total domestic deposits to total assets | 90.1600% | 1,589 |
| Equity capital to assets | 9.5317% | 1,863 |
| Core capital (leverage) ratio | 10.2287% | 2,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6103% | 1,258 |
| Memoranda: | ||
| Average total assets | $619,350,500 | 1,444 |
| Average earning assets | $528,662,250 | 1,572 |
| Average equity | $63,106,500 | 1,366 |
| Average total loans | $305,509,000 | 1,689 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3046% | 2,726 |
| Cost of funding earning assets | 0.0988% | 4,202 |
| Net interest margin | 3.2058% | 2,167 |
| Noninterest income to average assets | 0.6555% | 1,520 |
| Noninterest expense to average assets | 2.4327% | 2,138 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7676% | 3,078 |
| Return on assets (ROA) | 0.7676% | 3,041 |
| Pretax return on assets | 0.9395% | 2,929 |
| Return on Equity (ROE) | 7.3763% | 3,193 |
| Retained earnings to average equity (ytd only) | 5.0557% | 2,687 |
| Net charge-offs to loans | 0.0054% | 1,810 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 364.7500% | 345 |
| Efficiency ratio | 72.1405% | 1,723 |
| Assets per employee ($millions) | 5.4539% | 3,271 |
| Cash dividends to net income (ytd only)* | 31.4597% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 1,772 |
| Loan loss allowance to noncurrent loans | 1,172.1485% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 3,373 |
| Noncurrent loans to loans | 0.1191% | 3,137 |
| Net loans and leases to total assets | 50.1834% | 3,364 |
| Net loans and leases to deposits | 55.7954% | 3,399 |
| Net loans and leases to core deposits | 57.0363% | 3,489 |
| Total domestic deposits to total assets | 89.9418% | 1,732 |
| Equity capital to assets | 9.7605% | 1,845 |
| Core capital (leverage) ratio | 9.9863% | 2,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9673% | 1,197 |
| Memoranda: | ||
| Average total assets | $621,196,667 | 1,453 |
| Average earning assets | $526,420,667 | 1,595 |
| Average equity | $64,639,667 | 1,366 |
| Average total loans | $296,272,000 | 1,722 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2050% | 2,674 |
| Cost of funding earning assets | 0.1016% | 4,112 |
| Net interest margin | 3.1034% | 2,168 |
| Noninterest income to average assets | 0.6088% | 1,659 |
| Noninterest expense to average assets | 2.4486% | 2,022 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6320% | 3,290 |
| Return on assets (ROA) | 0.6320% | 3,270 |
| Pretax return on assets | 0.7582% | 3,235 |
| Return on Equity (ROE) | 5.8904% | 3,376 |
| Retained earnings to average equity (ytd only) | 1.3870% | 3,727 |
| Net charge-offs to loans | -0.0126% | 3,678 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3560% | 1,483 |
| Assets per employee ($millions) | 5.3859% | 3,407 |
| Cash dividends to net income (ytd only)* | 76.4526% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5340% | 1,447 |
| Loan loss allowance to noncurrent loans | 1,117.3804% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 3,101 |
| Noncurrent loans to loans | 0.1373% | 3,121 |
| Net loans and leases to total assets | 45.1859% | 3,640 |
| Net loans and leases to deposits | 50.4788% | 3,698 |
| Net loans and leases to core deposits | 51.5915% | 3,763 |
| Total domestic deposits to total assets | 89.5147% | 1,806 |
| Equity capital to assets | 10.1827% | 1,769 |
| Core capital (leverage) ratio | 9.6744% | 2,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2096% | 1,208 |
| Memoranda: | ||
| Average total assets | $620,920,000 | 1,459 |
| Average earning assets | $519,810,000 | 1,614 |
| Average equity | $66,616,500 | 1,377 |
| Average total loans | $286,191,000 | 1,760 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4989% | 2,665 |
| Cost of funding earning assets | 0.1520% | 3,949 |
| Net interest margin | 3.3469% | 2,183 |
| Noninterest income to average assets | 1.0634% | 904 |
| Noninterest expense to average assets | 2.5774% | 1,930 |
| Loan and lease loss provision to assets | 0.0704% | 1,675 |
| Net operating income to assets | 1.0026% | 2,656 |
| Return on assets (ROA) | 1.0026% | 2,726 |
| Pretax return on assets | 1.1990% | 2,666 |
| Return on Equity (ROE) | 8.3446% | 3,122 |
| Retained earnings to average equity (ytd only) | 4.0147% | 3,216 |
| Net charge-offs to loans | -0.0095% | 3,729 |
| Credit loss provision to net charge-offs | -1,481.4815% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0009% | 2,125 |
| Assets per employee ($millions) | 5.1838% | 3,568 |
| Cash dividends to net income (ytd only)* | 51.8883% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5632% | 1,351 |
| Loan loss allowance to noncurrent loans | 1,115.1134% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 3,203 |
| Noncurrent loans to loans | 0.1402% | 3,235 |
| Net loans and leases to total assets | 45.5754% | 3,721 |
| Net loans and leases to deposits | 51.5482% | 3,766 |
| Net loans and leases to core deposits | 52.6549% | 3,848 |
| Total domestic deposits to total assets | 88.4132% | 1,837 |
| Equity capital to assets | 11.2911% | 1,610 |
| Core capital (leverage) ratio | 10.2383% | 2,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1110% | 1,237 |
| Memoranda: | ||
| Average total assets | $567,814,000 | 1,521 |
| Average earning assets | $472,228,000 | 1,680 |
| Average equity | $68,223,800 | 1,381 |
| Average total loans | $283,187,200 | 1,774 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5348% | 2,731 |
| Cost of funding earning assets | 0.1629% | 3,992 |
| Net interest margin | 3.3719% | 2,231 |
| Noninterest income to average assets | 0.7767% | 1,594 |
| Noninterest expense to average assets | 2.4966% | 2,127 |
| Loan and lease loss provision to assets | 0.0120% | 2,751 |
| Net operating income to assets | 0.9144% | 3,204 |
| Return on assets (ROA) | 0.9144% | 3,272 |
| Pretax return on assets | 1.0985% | 3,196 |
| Return on Equity (ROE) | 7.4866% | 3,537 |
| Retained earnings to average equity (ytd only) | 3.5659% | 3,727 |
| Net charge-offs to loans | -0.0089% | 3,630 |
| Credit loss provision to net charge-offs | -263.1579% | 3,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2134% | 1,680 |
| Assets per employee ($millions) | 5.0126% | 3,684 |
| Cash dividends to net income (ytd only)* | 52.3697% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4271% | 1,906 |
| Loan loss allowance to noncurrent loans | 1,130.2778% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.1868% | 2,865 |
| Noncurrent loans to loans | 0.1263% | 3,472 |
| Net loans and leases to total assets | 49.6183% | 3,452 |
| Net loans and leases to deposits | 56.7266% | 3,512 |
| Net loans and leases to core deposits | 58.1371% | 3,618 |
| Total domestic deposits to total assets | 87.4691% | 2,123 |
| Equity capital to assets | 12.0570% | 1,372 |
| Core capital (leverage) ratio | 10.4360% | 2,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3266% | 1,282 |
| Memoranda: | ||
| Average total assets | $556,844,000 | 1,564 |
| Average earning assets | $467,423,000 | 1,706 |
| Average equity | $68,013,000 | 1,396 |
| Average total loans | $283,181,750 | 1,809 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4826% | 2,930 |
| Cost of funding earning assets | 0.1715% | 4,032 |
| Net interest margin | 3.3111% | 2,409 |
| Noninterest income to average assets | 0.8327% | 1,445 |
| Noninterest expense to average assets | 2.4846% | 2,196 |
| Loan and lease loss provision to assets | 0.0181% | 2,599 |
| Net operating income to assets | 0.9735% | 2,987 |
| Return on assets (ROA) | 0.9735% | 3,068 |
| Pretax return on assets | 1.1552% | 3,043 |
| Return on Equity (ROE) | 7.9359% | 3,423 |
| Retained earnings to average equity (ytd only) | 4.9912% | 3,187 |
| Net charge-offs to loans | -0.0021% | 3,209 |
| Credit loss provision to net charge-offs | -1,666.6667% | 3,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9242% | 1,886 |
| Assets per employee ($millions) | 4.8158% | 3,822 |
| Cash dividends to net income (ytd only)* | 37.1058% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4116% | 1,922 |
| Loan loss allowance to noncurrent loans | 1,060.9948% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 2,996 |
| Noncurrent loans to loans | 0.1330% | 3,525 |
| Net loans and leases to total assets | 50.2376% | 3,538 |
| Net loans and leases to deposits | 57.5294% | 3,589 |
| Net loans and leases to core deposits | 58.9969% | 3,685 |
| Total domestic deposits to total assets | 87.3249% | 2,158 |
| Equity capital to assets | 12.1930% | 1,277 |
| Core capital (leverage) ratio | 10.4255% | 2,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7200% | 1,186 |
| Memoranda: | ||
| Average total assets | $553,650,000 | 1,565 |
| Average earning assets | $472,411,000 | 1,692 |
| Average equity | $67,919,333 | 1,386 |
| Average total loans | $282,535,667 | 1,821 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4520% | 3,061 |
| Cost of funding earning assets | 0.1864% | 4,032 |
| Net interest margin | 3.2656% | 2,493 |
| Noninterest income to average assets | 1.0402% | 1,071 |
| Noninterest expense to average assets | 2.4426% | 2,349 |
| Loan and lease loss provision to assets | 0.0364% | 2,287 |
| Net operating income to assets | 1.1590% | 2,301 |
| Return on assets (ROA) | 1.1590% | 2,369 |
| Pretax return on assets | 1.3456% | 2,446 |
| Return on Equity (ROE) | 9.4182% | 2,882 |
| Retained earnings to average equity (ytd only) | 4.9757% | 3,226 |
| Net charge-offs to loans | -0.0029% | 3,211 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8651% | 2,481 |
| Assets per employee ($millions) | 4.8887% | 3,766 |
| Cash dividends to net income (ytd only)* | 47.1698% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 1,839 |
| Loan loss allowance to noncurrent loans | 708.3916% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 3,010 |
| Noncurrent loans to loans | 0.2020% | 3,385 |
| Net loans and leases to total assets | 50.0908% | 3,618 |
| Net loans and leases to deposits | 57.1639% | 3,704 |
| Net loans and leases to core deposits | 58.6388% | 3,793 |
| Total domestic deposits to total assets | 87.6266% | 2,030 |
| Equity capital to assets | 12.0843% | 1,250 |
| Core capital (leverage) ratio | 10.6228% | 1,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7128% | 1,120 |
| Memoranda: | ||
| Average total assets | $548,752,500 | 1,565 |
| Average earning assets | $467,901,000 | 1,690 |
| Average equity | $67,528,500 | 1,387 |
| Average total loans | $280,246,500 | 1,833 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0323% | 2,633 |
| Cost of funding earning assets | 0.3528% | 3,855 |
| Net interest margin | 3.6794% | 1,872 |
| Noninterest income to average assets | 0.7175% | 1,802 |
| Noninterest expense to average assets | 2.7536% | 2,060 |
| Loan and lease loss provision to assets | 0.0913% | 3,218 |
| Net operating income to assets | 0.8744% | 2,813 |
| Return on assets (ROA) | 0.8744% | 2,947 |
| Pretax return on assets | 1.0749% | 2,793 |
| Return on Equity (ROE) | 6.4477% | 3,429 |
| Retained earnings to average equity (ytd only) | 2.3034% | 3,702 |
| Net charge-offs to loans | 0.0167% | 2,761 |
| Credit loss provision to net charge-offs | 1,022.7273% | 771 |
| Earnings coverage of net charge-offs (x) | 130.5909% | 646 |
| Efficiency ratio | 70.2480% | 1,919 |
| Assets per employee ($millions) | 4.5779% | 3,835 |
| Cash dividends to net income (ytd only)* | 64.2758% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 1,807 |
| Loan loss allowance to noncurrent loans | 427.3504% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.3025% | 2,787 |
| Noncurrent loans to loans | 0.3376% | 2,994 |
| Net loans and leases to total assets | 50.5891% | 3,779 |
| Net loans and leases to deposits | 57.9689% | 3,891 |
| Net loans and leases to core deposits | 59.4963% | 3,974 |
| Total domestic deposits to total assets | 87.2695% | 1,812 |
| Equity capital to assets | 12.5343% | 1,300 |
| Core capital (leverage) ratio | 11.0803% | 1,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1950% | 1,022 |
| Memoranda: | ||
| Average total assets | $492,699,200 | 1,571 |
| Average earning assets | $428,817,600 | 1,666 |
| Average equity | $66,814,400 | 1,349 |
| Average total loans | $263,851,600 | 1,854 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1207% | 2,620 |
| Cost of funding earning assets | 0.3865% | 3,888 |
| Net interest margin | 3.7342% | 1,822 |
| Noninterest income to average assets | 0.6758% | 1,874 |
| Noninterest expense to average assets | 2.7552% | 2,103 |
| Loan and lease loss provision to assets | 0.0624% | 3,560 |
| Net operating income to assets | 0.9334% | 2,589 |
| Return on assets (ROA) | 0.9334% | 2,716 |
| Pretax return on assets | 1.1458% | 2,576 |
| Return on Equity (ROE) | 6.7395% | 3,298 |
| Retained earnings to average equity (ytd only) | 2.7350% | 3,631 |
| Net charge-offs to loans | 0.0271% | 2,290 |
| Credit loss provision to net charge-offs | 424.5283% | 1,415 |
| Earnings coverage of net charge-offs (x) | 82.2075% | 904 |
| Efficiency ratio | 69.5165% | 1,957 |
| Assets per employee ($millions) | 4.2555% | 4,088 |
| Cash dividends to net income (ytd only)* | 59.4177% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3313% | 2,032 |
| Loan loss allowance to noncurrent loans | 759.2742% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.3173% | 2,877 |
| Noncurrent loans to loans | 0.1753% | 3,678 |
| Net loans and leases to total assets | 56.0585% | 3,620 |
| Net loans and leases to deposits | 65.1927% | 3,680 |
| Net loans and leases to core deposits | 67.0608% | 3,819 |
| Total domestic deposits to total assets | 85.9888% | 2,074 |
| Equity capital to assets | 13.5922% | 974 |
| Core capital (leverage) ratio | 11.4501% | 1,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8751% | 931 |
| Memoranda: | ||
| Average total assets | $480,826,750 | 1,584 |
| Average earning assets | $423,316,000 | 1,660 |
| Average equity | $66,590,750 | 1,334 |
| Average total loans | $260,495,250 | 1,857 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1106% | 3,026 |
| Cost of funding earning assets | 0.4153% | 3,968 |
| Net interest margin | 3.6953% | 2,180 |
| Noninterest income to average assets | 0.6811% | 1,808 |
| Noninterest expense to average assets | 2.7676% | 2,170 |
| Loan and lease loss provision to assets | 0.0316% | 3,867 |
| Net operating income to assets | 0.9202% | 2,621 |
| Return on assets (ROA) | 0.9202% | 2,741 |
| Pretax return on assets | 1.1289% | 2,624 |
| Return on Equity (ROE) | 6.6013% | 3,288 |
| Retained earnings to average equity (ytd only) | 3.5815% | 3,137 |
| Net charge-offs to loans | -0.0079% | 4,144 |
| Credit loss provision to net charge-offs | -750.0000% | 3,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4565% | 1,896 |
| Assets per employee ($millions) | 4.2077% | 4,100 |
| Cash dividends to net income (ytd only)* | 45.7457% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 1,820 |
| Loan loss allowance to noncurrent loans | 296.9330% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.5394% | 2,196 |
| Noncurrent loans to loans | 0.4516% | 2,796 |
| Net loans and leases to total assets | 54.5169% | 3,834 |
| Net loans and leases to deposits | 63.4294% | 3,925 |
| Net loans and leases to core deposits | 65.1700% | 4,014 |
| Total domestic deposits to total assets | 85.9491% | 2,031 |
| Equity capital to assets | 13.5706% | 964 |
| Core capital (leverage) ratio | 11.9142% | 1,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4595% | 854 |
| Memoranda: | ||
| Average total assets | $475,139,333 | 1,569 |
| Average earning assets | $417,502,333 | 1,657 |
| Average equity | $66,229,667 | 1,328 |
| Average total loans | $253,035,333 | 1,881 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1822% | 3,279 |
| Cost of funding earning assets | 0.4494% | 4,157 |
| Net interest margin | 3.7328% | 2,208 |
| Noninterest income to average assets | 0.7450% | 1,474 |
| Noninterest expense to average assets | 2.8326% | 2,330 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0145% | 2,131 |
| Return on assets (ROA) | 1.0145% | 2,234 |
| Pretax return on assets | 1.2531% | 2,027 |
| Return on Equity (ROE) | 7.1769% | 2,879 |
| Retained earnings to average equity (ytd only) | 2.6076% | 3,219 |
| Net charge-offs to loans | 0.0033% | 2,470 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 727.5000% | 84 |
| Efficiency ratio | 69.3297% | 2,458 |
| Assets per employee ($millions) | 3.9219% | 4,029 |
| Cash dividends to net income (ytd only)* | 63.6672% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 1,489 |
| Loan loss allowance to noncurrent loans | 257.8607% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.4840% | 2,551 |
| Noncurrent loans to loans | 0.5660% | 2,585 |
| Net loans and leases to total assets | 53.3046% | 4,039 |
| Net loans and leases to deposits | 62.5987% | 4,069 |
| Net loans and leases to core deposits | 64.4376% | 4,150 |
| Total domestic deposits to total assets | 85.1529% | 2,353 |
| Equity capital to assets | 14.5464% | 879 |
| Core capital (leverage) ratio | 12.2116% | 1,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3558% | 824 |
| Memoranda: | ||
| Average total assets | $464,455,000 | 1,552 |
| Average earning assets | $415,668,500 | 1,616 |
| Average equity | $65,655,000 | 1,335 |
| Average total loans | $242,373,000 | 1,913 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4577% | 3,094 |
| Cost of funding earning assets | 0.5070% | 4,060 |
| Net interest margin | 3.9507% | 1,995 |
| Noninterest income to average assets | 0.8333% | 1,350 |
| Noninterest expense to average assets | 2.7590% | 2,723 |
| Loan and lease loss provision to assets | 0.0437% | 3,137 |
| Net operating income to assets | 1.2090% | 2,023 |
| Return on assets (ROA) | 1.2090% | 2,115 |
| Pretax return on assets | 1.4996% | 1,811 |
| Return on Equity (ROE) | 8.6300% | 2,896 |
| Retained earnings to average equity (ytd only) | 3.2974% | 3,360 |
| Net charge-offs to loans | 0.1261% | 1,507 |
| Credit loss provision to net charge-offs | 68.2594% | 2,934 |
| Earnings coverage of net charge-offs (x) | 24.1263% | 1,789 |
| Efficiency ratio | 64.0737% | 3,065 |
| Assets per employee ($millions) | 4.0860% | 3,797 |
| Cash dividends to net income (ytd only)* | 61.7913% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5060% | 1,213 |
| Loan loss allowance to noncurrent loans | 148.3898% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.6817% | 1,890 |
| Noncurrent loans to loans | 1.0149% | 1,497 |
| Net loans and leases to total assets | 49.5930% | 4,344 |
| Net loans and leases to deposits | 57.6565% | 4,385 |
| Net loans and leases to core deposits | 59.0895% | 4,482 |
| Total domestic deposits to total assets | 86.0146% | 2,060 |
| Equity capital to assets | 13.7420% | 1,191 |
| Core capital (leverage) ratio | 12.2054% | 1,649 |
| Tier 1 risk-based capital ratio | 19.0287% | 1,508 |
| Total risk-based capital ratio | 20.2786% | 1,479 |
| Memoranda: | ||
| Average total assets | $458,057,800 | 1,522 |
| Average earning assets | $402,206,000 | 1,616 |
| Average equity | $64,171,800 | 1,315 |
| Average total loans | $232,395,400 | 1,942 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5316% | 2,958 |
| Cost of funding earning assets | 0.5144% | 4,085 |
| Net interest margin | 4.0172% | 1,877 |
| Noninterest income to average assets | 0.7954% | 1,428 |
| Noninterest expense to average assets | 2.7037% | 2,863 |
| Loan and lease loss provision to assets | 0.0440% | 3,027 |
| Net operating income to assets | 1.2614% | 1,981 |
| Return on assets (ROA) | 1.2614% | 2,060 |
| Pretax return on assets | 1.5650% | 1,764 |
| Return on Equity (ROE) | 8.9594% | 2,907 |
| Retained earnings to average equity (ytd only) | 4.4067% | 3,191 |
| Net charge-offs to loans | 0.0751% | 1,748 |
| Credit loss provision to net charge-offs | 115.3846% | 2,018 |
| Earnings coverage of net charge-offs (x) | 42.1536% | 1,323 |
| Efficiency ratio | 62.6157% | 3,230 |
| Assets per employee ($millions) | 3.8530% | 4,098 |
| Cash dividends to net income (ytd only)* | 50.8146% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5389% | 1,142 |
| Loan loss allowance to noncurrent loans | 265.7348% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.4974% | 2,539 |
| Noncurrent loans to loans | 0.5791% | 2,553 |
| Net loans and leases to total assets | 53.5279% | 4,217 |
| Net loans and leases to deposits | 63.1343% | 4,230 |
| Net loans and leases to core deposits | 65.4712% | 4,307 |
| Total domestic deposits to total assets | 84.7842% | 2,510 |
| Equity capital to assets | 14.7674% | 913 |
| Core capital (leverage) ratio | 12.4936% | 1,572 |
| Tier 1 risk-based capital ratio | 19.3997% | 1,483 |
| Total risk-based capital ratio | 20.6506% | 1,450 |
| Memoranda: | ||
| Average total assets | $454,079,250 | 1,552 |
| Average earning assets | $397,579,250 | 1,645 |
| Average equity | $63,931,500 | 1,314 |
| Average total loans | $230,831,500 | 1,965 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4799% | 3,075 |
| Cost of funding earning assets | 0.5017% | 4,108 |
| Net interest margin | 3.9781% | 1,993 |
| Noninterest income to average assets | 0.7895% | 1,382 |
| Noninterest expense to average assets | 2.6399% | 3,086 |
| Loan and lease loss provision to assets | 0.0655% | 2,508 |
| Net operating income to assets | 1.2544% | 1,940 |
| Return on assets (ROA) | 1.2544% | 1,998 |
| Pretax return on assets | 1.5590% | 1,669 |
| Return on Equity (ROE) | 9.0524% | 2,830 |
| Retained earnings to average equity (ytd only) | 5.1111% | 2,714 |
| Net charge-offs to loans | 0.0308% | 2,240 |
| Credit loss provision to net charge-offs | 428.5714% | 669 |
| Earnings coverage of net charge-offs (x) | 106.2286% | 668 |
| Efficiency ratio | 61.7930% | 3,468 |
| Assets per employee ($millions) | 4.0581% | 3,794 |
| Cash dividends to net income (ytd only)* | 43.5388% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6486% | 928 |
| Loan loss allowance to noncurrent loans | 377.9324% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.4066% | 2,881 |
| Noncurrent loans to loans | 0.4362% | 2,970 |
| Net loans and leases to total assets | 50.8105% | 4,422 |
| Net loans and leases to deposits | 59.7397% | 4,442 |
| Net loans and leases to core deposits | 62.1468% | 4,494 |
| Total domestic deposits to total assets | 85.0532% | 2,451 |
| Equity capital to assets | 14.5299% | 939 |
| Core capital (leverage) ratio | 12.2775% | 1,658 |
| Tier 1 risk-based capital ratio | 19.4665% | 1,443 |
| Total risk-based capital ratio | 20.7180% | 1,416 |
| Memoranda: | ||
| Average total assets | $457,741,670 | 1,539 |
| Average earning assets | $399,834,670 | 1,631 |
| Average equity | $63,431,000 | 1,317 |
| Average total loans | $227,480,330 | 1,998 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3998% | 3,229 |
| Cost of funding earning assets | 0.4814% | 4,147 |
| Net interest margin | 3.9184% | 2,136 |
| Noninterest income to average assets | 0.8140% | 1,261 |
| Noninterest expense to average assets | 2.6084% | 3,193 |
| Loan and lease loss provision to assets | 0.0647% | 2,367 |
| Net operating income to assets | 1.2516% | 1,883 |
| Return on assets (ROA) | 1.2516% | 1,929 |
| Pretax return on assets | 1.5554% | 1,595 |
| Return on Equity (ROE) | 9.2480% | 2,693 |
| Retained earnings to average equity (ytd only) | 3.8267% | 3,390 |
| Net charge-offs to loans | 0.0726% | 1,335 |
| Credit loss provision to net charge-offs | 182.9268% | 1,106 |
| Earnings coverage of net charge-offs (x) | 45.7805% | 1,075 |
| Efficiency ratio | 61.4615% | 3,614 |
| Assets per employee ($millions) | 4.1317% | 3,722 |
| Cash dividends to net income (ytd only)* | 58.6207% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6631% | 931 |
| Loan loss allowance to noncurrent loans | 357.1017% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.4178% | 2,919 |
| Noncurrent loans to loans | 0.4657% | 2,917 |
| Net loans and leases to total assets | 47.9731% | 4,587 |
| Net loans and leases to deposits | 55.8917% | 4,604 |
| Net loans and leases to core deposits | 57.8285% | 4,647 |
| Total domestic deposits to total assets | 85.8321% | 2,346 |
| Equity capital to assets | 13.8044% | 1,108 |
| Core capital (leverage) ratio | 11.8747% | 1,851 |
| Tier 1 risk-based capital ratio | 19.1745% | 1,507 |
| Total risk-based capital ratio | 20.4256% | 1,481 |
| Memoranda: | ||
| Average total assets | $463,417,500 | 1,539 |
| Average earning assets | $403,840,500 | 1,619 |
| Average equity | $62,716,500 | 1,325 |
| Average total loans | $225,913,000 | 2,019 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2187% | 3,387 |
| Cost of funding earning assets | 0.3614% | 4,210 |
| Net interest margin | 3.8573% | 2,475 |
| Noninterest income to average assets | 0.8326% | 1,361 |
| Noninterest expense to average assets | 2.6614% | 3,146 |
| Loan and lease loss provision to assets | 0.0445% | 3,296 |
| Net operating income to assets | 1.1666% | 2,329 |
| Return on assets (ROA) | 1.1664% | 2,319 |
| Pretax return on assets | 1.4541% | 1,937 |
| Return on Equity (ROE) | 8.6043% | 3,177 |
| Retained earnings to average equity (ytd only) | 3.8223% | 3,474 |
| Net charge-offs to loans | 0.0281% | 2,843 |
| Credit loss provision to net charge-offs | 312.5000% | 997 |
| Earnings coverage of net charge-offs (x) | 105.3125% | 718 |
| Efficiency ratio | 63.2403% | 3,295 |
| Assets per employee ($millions) | 4.1805% | 3,638 |
| Cash dividends to net income (ytd only)* | 55.5767% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6165% | 992 |
| Loan loss allowance to noncurrent loans | 333.0623% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.4763% | 2,661 |
| Noncurrent loans to loans | 0.4853% | 2,820 |
| Net loans and leases to total assets | 47.9275% | 4,644 |
| Net loans and leases to deposits | 55.4139% | 4,688 |
| Net loans and leases to core deposits | 57.3235% | 4,727 |
| Total domestic deposits to total assets | 86.4901% | 2,022 |
| Equity capital to assets | 13.2681% | 1,226 |
| Core capital (leverage) ratio | 11.9470% | 1,774 |
| Tier 1 risk-based capital ratio | 18.6958% | 1,573 |
| Total risk-based capital ratio | 19.9466% | 1,531 |
| Memoranda: | ||
| Average total assets | $449,681,600 | 1,537 |
| Average earning assets | $387,942,800 | 1,630 |
| Average equity | $60,957,800 | 1,301 |
| Average total loans | $227,369,800 | 1,970 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1736% | 3,403 |
| Cost of funding earning assets | 0.3291% | 4,311 |
| Net interest margin | 3.8445% | 2,488 |
| Noninterest income to average assets | 0.8325% | 1,371 |
| Noninterest expense to average assets | 2.6328% | 3,192 |
| Loan and lease loss provision to assets | 0.0449% | 3,093 |
| Net operating income to assets | 1.2037% | 2,227 |
| Return on assets (ROA) | 1.2034% | 2,227 |
| Pretax return on assets | 1.4728% | 1,990 |
| Return on Equity (ROE) | 8.8284% | 3,169 |
| Retained earnings to average equity (ytd only) | 4.1801% | 3,686 |
| Net charge-offs to loans | 0.0323% | 2,444 |
| Credit loss provision to net charge-offs | 272.7273% | 1,105 |
| Earnings coverage of net charge-offs (x) | 92.1291% | 800 |
| Efficiency ratio | 62.6922% | 3,395 |
| Assets per employee ($millions) | 3.9601% | 3,952 |
| Cash dividends to net income (ytd only)* | 52.6512% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5238% | 1,268 |
| Loan loss allowance to noncurrent loans | 327.2890% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.5233% | 2,647 |
| Noncurrent loans to loans | 0.4656% | 2,991 |
| Net loans and leases to total assets | 54.5867% | 4,317 |
| Net loans and leases to deposits | 63.8154% | 4,340 |
| Net loans and leases to core deposits | 66.0225% | 4,409 |
| Total domestic deposits to total assets | 85.5385% | 2,378 |
| Equity capital to assets | 14.1411% | 911 |
| Core capital (leverage) ratio | 12.2655% | 1,643 |
| Tier 1 risk-based capital ratio | 18.4245% | 1,687 |
| Total risk-based capital ratio | 19.6752% | 1,645 |
| Memoranda: | ||
| Average total assets | $445,048,750 | 1,558 |
| Average earning assets | $384,119,250 | 1,659 |
| Average equity | $60,666,500 | 1,305 |
| Average total loans | $227,189,750 | 1,975 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0745% | 3,540 |
| Cost of funding earning assets | 0.2894% | 4,503 |
| Net interest margin | 3.7851% | 2,620 |
| Noninterest income to average assets | 0.8476% | 1,326 |
| Noninterest expense to average assets | 2.5886% | 3,363 |
| Loan and lease loss provision to assets | 0.0445% | 3,009 |
| Net operating income to assets | 1.1981% | 2,208 |
| Return on assets (ROA) | 1.1977% | 2,206 |
| Pretax return on assets | 1.4727% | 1,915 |
| Return on Equity (ROE) | 8.8930% | 3,072 |
| Retained earnings to average equity (ytd only) | 5.5895% | 2,775 |
| Net charge-offs to loans | 0.0520% | 1,859 |
| Credit loss provision to net charge-offs | 172.4138% | 1,439 |
| Earnings coverage of net charge-offs (x) | 58.8103% | 1,011 |
| Efficiency ratio | 62.3036% | 3,586 |
| Assets per employee ($millions) | 4.0006% | 3,897 |
| Cash dividends to net income (ytd only)* | 37.1471% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5376% | 1,281 |
| Loan loss allowance to noncurrent loans | 413.4638% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.4802% | 2,839 |
| Noncurrent loans to loans | 0.3719% | 3,360 |
| Net loans and leases to total assets | 52.2849% | 4,461 |
| Net loans and leases to deposits | 60.9369% | 4,480 |
| Net loans and leases to core deposits | 62.8139% | 4,567 |
| Total domestic deposits to total assets | 85.8018% | 2,370 |
| Equity capital to assets | 13.9199% | 955 |
| Core capital (leverage) ratio | 12.0846% | 1,659 |
| Tier 1 risk-based capital ratio | 18.3533% | 1,712 |
| Total risk-based capital ratio | 19.6035% | 1,678 |
| Memoranda: | ||
| Average total assets | $449,515,330 | 1,556 |
| Average earning assets | $386,996,000 | 1,648 |
| Average equity | $60,542,000 | 1,310 |
| Average total loans | $223,163,330 | 2,005 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9898% | 3,641 |
| Cost of funding earning assets | 0.2837% | 4,472 |
| Net interest margin | 3.7061% | 2,772 |
| Noninterest income to average assets | 0.8401% | 1,328 |
| Noninterest expense to average assets | 2.5740% | 3,417 |
| Loan and lease loss provision to assets | 0.0440% | 2,881 |
| Net operating income to assets | 1.1499% | 2,220 |
| Return on assets (ROA) | 1.1492% | 2,234 |
| Pretax return on assets | 1.4081% | 1,981 |
| Return on Equity (ROE) | 8.6733% | 3,075 |
| Retained earnings to average equity (ytd only) | 2.0271% | 4,340 |
| Net charge-offs to loans | -0.0184% | 4,513 |
| Credit loss provision to net charge-offs | -500.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1752% | 3,606 |
| Assets per employee ($millions) | 3.9959% | 3,987 |
| Cash dividends to net income (ytd only)* | 76.6284% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6362% | 1,082 |
| Loan loss allowance to noncurrent loans | 175.6323% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.6245% | 2,445 |
| Noncurrent loans to loans | 0.9316% | 1,956 |
| Net loans and leases to total assets | 48.9420% | 4,635 |
| Net loans and leases to deposits | 56.7785% | 4,659 |
| Net loans and leases to core deposits | 58.4136% | 4,732 |
| Total domestic deposits to total assets | 86.1982% | 2,451 |
| Equity capital to assets | 13.5443% | 1,032 |
| Core capital (leverage) ratio | 11.4648% | 2,039 |
| Tier 1 risk-based capital ratio | 18.2714% | 1,753 |
| Total risk-based capital ratio | 19.5222% | 1,716 |
| Memoranda: | ||
| Average total assets | $454,242,000 | 1,555 |
| Average earning assets | $390,595,500 | 1,649 |
| Average equity | $60,185,000 | 1,326 |
| Average total loans | $217,905,500 | 2,058 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8447% | 3,901 |
| Cost of funding earning assets | 0.2972% | 4,168 |
| Net interest margin | 3.5475% | 3,352 |
| Noninterest income to average assets | 0.8133% | 1,519 |
| Noninterest expense to average assets | 2.5814% | 3,503 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8684% | 2,873 |
| Return on assets (ROA) | 0.9351% | 2,558 |
| Pretax return on assets | 1.3512% | 2,167 |
| Return on Equity (ROE) | 7.0901% | 3,222 |
| Retained earnings to average equity (ytd only) | 3.3817% | 3,262 |
| Net charge-offs to loans | 0.0209% | 3,407 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 129.0227% | 530 |
| Efficiency ratio | 66.5092% | 3,166 |
| Assets per employee ($millions) | 4.1886% | 3,676 |
| Cash dividends to net income (ytd only)* | 52.3044% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6507% | 1,037 |
| Loan loss allowance to noncurrent loans | 119.6429% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.8416% | 1,853 |
| Noncurrent loans to loans | 1.3797% | 1,248 |
| Net loans and leases to total assets | 45.5047% | 4,911 |
| Net loans and leases to deposits | 52.6902% | 4,950 |
| Net loans and leases to core deposits | 54.1764% | 4,996 |
| Total domestic deposits to total assets | 86.3627% | 2,290 |
| Equity capital to assets | 12.9684% | 1,279 |
| Core capital (leverage) ratio | 11.3089% | 2,091 |
| Tier 1 risk-based capital ratio | 18.2338% | 1,729 |
| Total risk-based capital ratio | 19.4842% | 1,683 |
| Memoranda: | ||
| Average total assets | $452,472,200 | 1,537 |
| Average earning assets | $385,542,600 | 1,646 |
| Average equity | $59,674,600 | 1,318 |
| Average total loans | $210,276,800 | 2,075 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8836% | 3,728 |
| Cost of funding earning assets | 0.2998% | 4,134 |
| Net interest margin | 3.5839% | 3,217 |
| Noninterest income to average assets | 0.8062% | 1,564 |
| Noninterest expense to average assets | 2.5986% | 3,412 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9219% | 2,915 |
| Return on assets (ROA) | 0.9219% | 2,975 |
| Pretax return on assets | 1.2438% | 2,739 |
| Return on Equity (ROE) | 6.9600% | 3,683 |
| Retained earnings to average equity (ytd only) | 2.4798% | 4,409 |
| Net charge-offs to loans | 0.0306% | 2,816 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 87.3311% | 759 |
| Efficiency ratio | 66.8417% | 3,073 |
| Assets per employee ($millions) | 3.9977% | 4,001 |
| Cash dividends to net income (ytd only)* | 64.3708% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5761% | 1,289 |
| Loan loss allowance to noncurrent loans | 139.3713% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.7109% | 2,377 |
| Noncurrent loans to loans | 1.1308% | 1,702 |
| Net loans and leases to total assets | 50.3716% | 4,672 |
| Net loans and leases to deposits | 58.5455% | 4,717 |
| Net loans and leases to core deposits | 60.3938% | 4,797 |
| Total domestic deposits to total assets | 86.0384% | 2,296 |
| Equity capital to assets | 13.6794% | 1,087 |
| Core capital (leverage) ratio | 11.5371% | 1,991 |
| Tier 1 risk-based capital ratio | 17.6062% | 1,974 |
| Total risk-based capital ratio | 18.8563% | 1,914 |
| Memoranda: | ||
| Average total assets | $449,355,500 | 1,557 |
| Average earning assets | $380,697,750 | 1,677 |
| Average equity | $59,519,500 | 1,332 |
| Average total loans | $209,066,000 | 2,090 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7728% | 3,989 |
| Cost of funding earning assets | 0.2967% | 4,109 |
| Net interest margin | 3.4761% | 3,488 |
| Noninterest income to average assets | 0.8048% | 1,555 |
| Noninterest expense to average assets | 2.5583% | 3,555 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8971% | 2,928 |
| Return on assets (ROA) | 0.8971% | 2,985 |
| Pretax return on assets | 1.1981% | 2,779 |
| Return on Equity (ROE) | 6.8456% | 3,640 |
| Retained earnings to average equity (ytd only) | 3.4734% | 3,636 |
| Net charge-offs to loans | -0.0226% | 4,818 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3059% | 3,131 |
| Assets per employee ($millions) | 3.9062% | 4,124 |
| Cash dividends to net income (ytd only)* | 49.2611% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 1,005 |
| Loan loss allowance to noncurrent loans | 121.1654% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.7710% | 2,281 |
| Noncurrent loans to loans | 1.4289% | 1,332 |
| Net loans and leases to total assets | 46.5245% | 4,918 |
| Net loans and leases to deposits | 54.0115% | 4,962 |
| Net loans and leases to core deposits | 55.7044% | 5,009 |
| Total domestic deposits to total assets | 86.1380% | 2,320 |
| Equity capital to assets | 13.6250% | 1,101 |
| Core capital (leverage) ratio | 11.2975% | 2,128 |
| Tier 1 risk-based capital ratio | 18.5635% | 1,700 |
| Total risk-based capital ratio | 19.8149% | 1,664 |
| Memoranda: | ||
| Average total assets | $452,560,000 | 1,555 |
| Average earning assets | $384,278,000 | 1,665 |
| Average equity | $59,308,000 | 1,330 |
| Average total loans | $203,737,330 | 2,135 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7148% | 4,069 |
| Cost of funding earning assets | 0.2893% | 4,150 |
| Net interest margin | 3.4255% | 3,547 |
| Noninterest income to average assets | 0.8251% | 1,469 |
| Noninterest expense to average assets | 2.5215% | 3,741 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9106% | 2,709 |
| Return on assets (ROA) | 0.9106% | 2,764 |
| Pretax return on assets | 1.2398% | 2,450 |
| Return on Equity (ROE) | 7.0842% | 3,370 |
| Retained earnings to average equity (ytd only) | 0.2921% | 4,847 |
| Net charge-offs to loans | -0.0298% | 4,930 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2488% | 3,457 |
| Assets per employee ($millions) | 3.9040% | 4,178 |
| Cash dividends to net income (ytd only)* | 95.8773% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8088% | 942 |
| Loan loss allowance to noncurrent loans | 116.4141% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.7892% | 2,328 |
| Noncurrent loans to loans | 1.5537% | 1,265 |
| Net loans and leases to total assets | 43.2745% | 5,080 |
| Net loans and leases to deposits | 49.8851% | 5,138 |
| Net loans and leases to core deposits | 51.3940% | 5,170 |
| Total domestic deposits to total assets | 86.7484% | 2,333 |
| Equity capital to assets | 13.0255% | 1,246 |
| Core capital (leverage) ratio | 10.8597% | 2,529 |
| Tier 1 risk-based capital ratio | 18.5379% | 1,734 |
| Total risk-based capital ratio | 19.7897% | 1,691 |
| Memoranda: | ||
| Average total assets | $458,139,000 | 1,540 |
| Average earning assets | $392,696,500 | 1,645 |
| Average equity | $58,891,500 | 1,338 |
| Average total loans | $201,117,000 | 2,171 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7682% | 4,000 |
| Cost of funding earning assets | 0.3072% | 3,986 |
| Net interest margin | 3.4610% | 3,580 |
| Noninterest income to average assets | 1.1273% | 902 |
| Noninterest expense to average assets | 2.6187% | 3,620 |
| Loan and lease loss provision to assets | 0.0669% | 3,031 |
| Net operating income to assets | 0.9867% | 2,406 |
| Return on assets (ROA) | 0.9867% | 2,509 |
| Pretax return on assets | 1.4131% | 1,887 |
| Return on Equity (ROE) | 7.5529% | 3,191 |
| Retained earnings to average equity (ytd only) | 3.5887% | 3,373 |
| Net charge-offs to loans | 0.0506% | 3,030 |
| Credit loss provision to net charge-offs | 285.7143% | 1,017 |
| Earnings coverage of net charge-offs (x) | 63.2286% | 860 |
| Efficiency ratio | 63.1459% | 4,082 |
| Assets per employee ($millions) | 3.9949% | 3,978 |
| Cash dividends to net income (ytd only)* | 52.4853% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7740% | 992 |
| Loan loss allowance to noncurrent loans | 125.0870% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.7257% | 2,551 |
| Noncurrent loans to loans | 1.4182% | 1,435 |
| Net loans and leases to total assets | 42.9539% | 5,185 |
| Net loans and leases to deposits | 49.2731% | 5,240 |
| Net loans and leases to core deposits | 50.8496% | 5,275 |
| Total domestic deposits to total assets | 87.1752% | 2,043 |
| Equity capital to assets | 12.6874% | 1,404 |
| Core capital (leverage) ratio | 10.9260% | 2,414 |
| Tier 1 risk-based capital ratio | 18.4017% | 1,752 |
| Total risk-based capital ratio | 19.6532% | 1,719 |
| Memoranda: | ||
| Average total assets | $448,574,600 | 1,515 |
| Average earning assets | $385,120,200 | 1,621 |
| Average equity | $58,600,000 | 1,317 |
| Average total loans | $207,695,000 | 2,059 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8348% | 3,822 |
| Cost of funding earning assets | 0.3114% | 3,960 |
| Net interest margin | 3.5234% | 3,379 |
| Noninterest income to average assets | 1.2657% | 725 |
| Noninterest expense to average assets | 2.6890% | 3,381 |
| Loan and lease loss provision to assets | 0.0674% | 2,872 |
| Net operating income to assets | 1.0999% | 1,994 |
| Return on assets (ROA) | 1.1005% | 2,094 |
| Pretax return on assets | 1.5282% | 1,620 |
| Return on Equity (ROE) | 8.3617% | 2,824 |
| Retained earnings to average equity (ytd only) | 4.9460% | 2,865 |
| Net charge-offs to loans | -0.0638% | 5,440 |
| Credit loss provision to net charge-offs | -225.0000% | 4,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0514% | 4,222 |
| Assets per employee ($millions) | 3.8039% | 4,295 |
| Cash dividends to net income (ytd only)* | 40.8497% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7245% | 1,157 |
| Loan loss allowance to noncurrent loans | 147.2914% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.7220% | 2,760 |
| Noncurrent loans to loans | 1.1708% | 1,913 |
| Net loans and leases to total assets | 48.9528% | 4,898 |
| Net loans and leases to deposits | 56.9617% | 4,936 |
| Net loans and leases to core deposits | 58.7905% | 5,007 |
| Total domestic deposits to total assets | 85.9400% | 2,391 |
| Equity capital to assets | 13.7510% | 1,143 |
| Core capital (leverage) ratio | 11.2926% | 2,195 |
| Tier 1 risk-based capital ratio | 18.1460% | 1,874 |
| Total risk-based capital ratio | 19.3979% | 1,844 |
| Memoranda: | ||
| Average total assets | $444,865,000 | 1,527 |
| Average earning assets | $381,059,250 | 1,640 |
| Average equity | $58,551,250 | 1,325 |
| Average total loans | $208,956,500 | 2,062 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8083% | 3,926 |
| Cost of funding earning assets | 0.3104% | 4,014 |
| Net interest margin | 3.4978% | 3,498 |
| Noninterest income to average assets | 1.2617% | 716 |
| Noninterest expense to average assets | 2.6964% | 3,407 |
| Loan and lease loss provision to assets | 0.0669% | 2,803 |
| Net operating income to assets | 1.0740% | 2,072 |
| Return on assets (ROA) | 1.0740% | 2,193 |
| Pretax return on assets | 1.4873% | 1,715 |
| Return on Equity (ROE) | 8.2796% | 2,845 |
| Retained earnings to average equity (ytd only) | 6.5611% | 1,841 |
| Net charge-offs to loans | -0.0581% | 5,428 |
| Credit loss provision to net charge-offs | -250.0000% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7229% | 4,227 |
| Assets per employee ($millions) | 3.7614% | 4,335 |
| Cash dividends to net income (ytd only)* | 20.7555% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6945% | 1,284 |
| Loan loss allowance to noncurrent loans | 136.8461% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.7389% | 2,766 |
| Noncurrent loans to loans | 1.2382% | 1,856 |
| Net loans and leases to total assets | 48.0004% | 4,994 |
| Net loans and leases to deposits | 55.7271% | 5,036 |
| Net loans and leases to core deposits | 57.4084% | 5,100 |
| Total domestic deposits to total assets | 86.1349% | 2,357 |
| Equity capital to assets | 13.6325% | 1,169 |
| Core capital (leverage) ratio | 11.0702% | 2,364 |
| Tier 1 risk-based capital ratio | 18.2274% | 1,870 |
| Total risk-based capital ratio | 19.4792% | 1,834 |
| Memoranda: | ||
| Average total assets | $448,604,000 | 1,522 |
| Average earning assets | $383,321,670 | 1,633 |
| Average equity | $58,191,330 | 1,341 |
| Average total loans | $206,606,000 | 2,084 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7036% | 4,307 |
| Cost of funding earning assets | 0.3097% | 4,067 |
| Net interest margin | 3.3939% | 3,893 |
| Noninterest income to average assets | 0.8145% | 1,574 |
| Noninterest expense to average assets | 2.5676% | 3,856 |
| Loan and lease loss provision to assets | 0.0660% | 2,641 |
| Net operating income to assets | 0.8154% | 3,169 |
| Return on assets (ROA) | 0.8154% | 3,293 |
| Pretax return on assets | 1.0731% | 3,195 |
| Return on Equity (ROE) | 6.4435% | 3,757 |
| Retained earnings to average equity (ytd only) | 2.9680% | 4,028 |
| Net charge-offs to loans | 0.0177% | 2,584 |
| Credit loss provision to net charge-offs | 833.3333% | 421 |
| Earnings coverage of net charge-offs (x) | 143.8889% | 414 |
| Efficiency ratio | 68.4623% | 3,385 |
| Assets per employee ($millions) | 3.7818% | 4,338 |
| Cash dividends to net income (ytd only)* | 53.9374% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6836% | 1,405 |
| Loan loss allowance to noncurrent loans | 85.0552% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.1299% | 1,957 |
| Noncurrent loans to loans | 1.9794% | 1,091 |
| Net loans and leases to total assets | 45.3560% | 5,166 |
| Net loans and leases to deposits | 52.2056% | 5,217 |
| Net loans and leases to core deposits | 53.7398% | 5,270 |
| Total domestic deposits to total assets | 86.8796% | 2,259 |
| Equity capital to assets | 12.9595% | 1,430 |
| Core capital (leverage) ratio | 10.5300% | 2,925 |
| Tier 1 risk-based capital ratio | 17.7324% | 2,058 |
| Total risk-based capital ratio | 18.9834% | 2,027 |
| Memoranda: | ||
| Average total assets | $454,747,500 | 1,508 |
| Average earning assets | $387,518,000 | 1,616 |
| Average equity | $57,546,500 | 1,349 |
| Average total loans | $203,387,000 | 2,112 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9030% | 3,696 |
| Cost of funding earning assets | 0.3248% | 3,968 |
| Net interest margin | 3.5782% | 3,216 |
| Noninterest income to average assets | 0.9705% | 1,258 |
| Noninterest expense to average assets | 2.6679% | 3,699 |
| Loan and lease loss provision to assets | 0.1114% | 2,135 |
| Net operating income to assets | 1.0348% | 2,192 |
| Return on assets (ROA) | 1.0353% | 2,277 |
| Pretax return on assets | 1.2782% | 2,366 |
| Return on Equity (ROE) | 8.2096% | 2,836 |
| Retained earnings to average equity (ytd only) | 3.4386% | 3,609 |
| Net charge-offs to loans | 0.2984% | 1,011 |
| Credit loss provision to net charge-offs | 81.3008% | 2,925 |
| Earnings coverage of net charge-offs (x) | 10.1350% | 2,728 |
| Efficiency ratio | 65.0096% | 4,085 |
| Assets per employee ($millions) | 3.7971% | 4,297 |
| Cash dividends to net income (ytd only)* | 58.1145% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6923% | 1,367 |
| Loan loss allowance to noncurrent loans | 98.8085% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 0.9535% | 2,283 |
| Noncurrent loans to loans | 1.7127% | 1,320 |
| Net loans and leases to total assets | 42.6355% | 5,368 |
| Net loans and leases to deposits | 48.7326% | 5,455 |
| Net loans and leases to core deposits | 50.1857% | 5,492 |
| Total domestic deposits to total assets | 87.4886% | 1,886 |
| Equity capital to assets | 12.3609% | 1,695 |
| Core capital (leverage) ratio | 10.5210% | 2,905 |
| Tier 1 risk-based capital ratio | 17.5937% | 2,095 |
| Total risk-based capital ratio | 18.8442% | 2,044 |
| Memoranda: | ||
| Average total assets | $448,741,200 | 1,494 |
| Average earning assets | $387,061,800 | 1,578 |
| Average equity | $56,592,400 | 1,320 |
| Average total loans | $206,065,600 | 2,018 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9300% | 3,629 |
| Cost of funding earning assets | 0.3277% | 4,019 |
| Net interest margin | 3.6024% | 3,151 |
| Noninterest income to average assets | 0.8366% | 1,664 |
| Noninterest expense to average assets | 2.6228% | 3,791 |
| Loan and lease loss provision to assets | 0.0599% | 2,984 |
| Net operating income to assets | 0.9226% | 2,843 |
| Return on assets (ROA) | 0.9235% | 2,929 |
| Pretax return on assets | 1.2769% | 2,487 |
| Return on Equity (ROE) | 7.2850% | 3,480 |
| Retained earnings to average equity (ytd only) | 3.7405% | 3,812 |
| Net charge-offs to loans | 0.1151% | 1,976 |
| Credit loss provision to net charge-offs | 111.7318% | 2,093 |
| Earnings coverage of net charge-offs (x) | 24.9107% | 1,678 |
| Efficiency ratio | 65.4862% | 3,975 |
| Assets per employee ($millions) | 3.6527% | 4,514 |
| Cash dividends to net income (ytd only)* | 48.6540% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6754% | 1,534 |
| Loan loss allowance to noncurrent loans | 92.6868% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.1359% | 2,100 |
| Noncurrent loans to loans | 1.8076% | 1,310 |
| Net loans and leases to total assets | 47.3427% | 5,128 |
| Net loans and leases to deposits | 54.6431% | 5,211 |
| Net loans and leases to core deposits | 56.3262% | 5,291 |
| Total domestic deposits to total assets | 86.6399% | 2,215 |
| Equity capital to assets | 13.0192% | 1,433 |
| Core capital (leverage) ratio | 10.6578% | 2,869 |
| Tier 1 risk-based capital ratio | 17.8384% | 2,083 |
| Total risk-based capital ratio | 19.0902% | 2,047 |
| Memoranda: | ||
| Average total assets | $445,115,750 | 1,519 |
| Average earning assets | $385,736,750 | 1,593 |
| Average equity | $56,425,250 | 1,334 |
| Average total loans | $207,355,500 | 2,023 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9062% | 3,658 |
| Cost of funding earning assets | 0.3284% | 4,071 |
| Net interest margin | 3.5778% | 3,174 |
| Noninterest income to average assets | 0.7081% | 2,180 |
| Noninterest expense to average assets | 2.5830% | 3,967 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8973% | 2,891 |
| Return on assets (ROA) | 0.8986% | 3,010 |
| Pretax return on assets | 1.2245% | 2,676 |
| Return on Equity (ROE) | 7.1515% | 3,525 |
| Retained earnings to average equity (ytd only) | 5.3725% | 2,624 |
| Net charge-offs to loans | -0.0563% | 5,585 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0739% | 3,825 |
| Assets per employee ($millions) | 3.6024% | 4,625 |
| Cash dividends to net income (ytd only)* | 24.8756% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6736% | 1,679 |
| Loan loss allowance to noncurrent loans | 88.9913% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 1.2473% | 2,018 |
| Noncurrent loans to loans | 1.8806% | 1,330 |
| Net loans and leases to total assets | 48.1597% | 5,091 |
| Net loans and leases to deposits | 55.5591% | 5,150 |
| Net loans and leases to core deposits | 57.3796% | 5,227 |
| Total domestic deposits to total assets | 86.6820% | 2,325 |
| Equity capital to assets | 13.0491% | 1,376 |
| Core capital (leverage) ratio | 10.5619% | 2,879 |
| Tier 1 risk-based capital ratio | 17.6739% | 2,165 |
| Total risk-based capital ratio | 18.9255% | 2,114 |
| Memoranda: | ||
| Average total assets | $447,380,670 | 1,519 |
| Average earning assets | $387,331,330 | 1,596 |
| Average equity | $56,211,670 | 1,349 |
| Average total loans | $206,124,330 | 2,040 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8305% | 3,891 |
| Cost of funding earning assets | 0.3281% | 4,124 |
| Net interest margin | 3.5024% | 3,429 |
| Noninterest income to average assets | 0.7300% | 2,021 |
| Noninterest expense to average assets | 2.5432% | 4,127 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8912% | 2,782 |
| Return on assets (ROA) | 0.8925% | 2,902 |
| Pretax return on assets | 1.2226% | 2,576 |
| Return on Equity (ROE) | 7.2373% | 3,376 |
| Retained earnings to average equity (ytd only) | 3.6580% | 3,813 |
| Net charge-offs to loans | -0.1561% | 5,992 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7683% | 4,016 |
| Assets per employee ($millions) | 3.8065% | 4,325 |
| Cash dividends to net income (ytd only)* | 49.4560% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7892% | 1,515 |
| Loan loss allowance to noncurrent loans | 76.7129% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 1.4159% | 1,872 |
| Noncurrent loans to loans | 2.3324% | 1,056 |
| Net loans and leases to total assets | 44.2955% | 5,329 |
| Net loans and leases to deposits | 50.8337% | 5,402 |
| Net loans and leases to core deposits | 52.5246% | 5,450 |
| Total domestic deposits to total assets | 87.1380% | 2,299 |
| Equity capital to assets | 12.6386% | 1,606 |
| Core capital (leverage) ratio | 10.1982% | 3,342 |
| Tier 1 risk-based capital ratio | 18.0188% | 2,131 |
| Total risk-based capital ratio | 19.2714% | 2,084 |
| Memoranda: | ||
| Average total assets | $453,125,500 | 1,504 |
| Average earning assets | $392,536,000 | 1,583 |
| Average equity | $55,877,500 | 1,364 |
| Average total loans | $202,438,000 | 2,070 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3443% | 2,443 |
| Cost of funding earning assets | 0.3841% | 3,858 |
| Net interest margin | 3.9602% | 2,009 |
| Noninterest income to average assets | 1.0626% | 1,076 |
| Noninterest expense to average assets | 2.7589% | 3,644 |
| Loan and lease loss provision to assets | 0.0640% | 3,231 |
| Net operating income to assets | 1.2581% | 1,411 |
| Return on assets (ROA) | 1.2582% | 1,464 |
| Pretax return on assets | 1.6637% | 1,062 |
| Return on Equity (ROE) | 10.2366% | 2,014 |
| Retained earnings to average equity (ytd only) | -10.0357% | 6,317 |
| Net charge-offs to loans | 0.0095% | 4,718 |
| Credit loss provision to net charge-offs | 1,447.3684% | 198 |
| Earnings coverage of net charge-offs (x) | 390.4211% | 135 |
| Efficiency ratio | 60.8461% | 5,100 |
| Assets per employee ($millions) | 3.8090% | 4,327 |
| Cash dividends to net income (ytd only)* | 198.0381% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7230% | 1,718 |
| Loan loss allowance to noncurrent loans | 80.3061% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 1.3756% | 2,027 |
| Noncurrent loans to loans | 2.1455% | 1,261 |
| Net loans and leases to total assets | 43.5011% | 5,498 |
| Net loans and leases to deposits | 49.5234% | 5,608 |
| Net loans and leases to core deposits | 51.1949% | 5,651 |
| Total domestic deposits to total assets | 87.8395% | 1,856 |
| Equity capital to assets | 12.0349% | 1,999 |
| Core capital (leverage) ratio | 10.1975% | 3,313 |
| Tier 1 risk-based capital ratio | 17.7538% | 2,218 |
| Total risk-based capital ratio | 19.0057% | 2,182 |
| Memoranda: | ||
| Average total assets | $429,407,600 | 1,550 |
| Average earning assets | $371,247,800 | 1,624 |
| Average equity | $52,781,400 | 1,387 |
| Average total loans | $199,410,200 | 2,043 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4282% | 2,128 |
| Cost of funding earning assets | 0.3954% | 3,838 |
| Net interest margin | 4.0328% | 1,783 |
| Noninterest income to average assets | 1.1678% | 882 |
| Noninterest expense to average assets | 2.6828% | 3,881 |
| Loan and lease loss provision to assets | 0.0633% | 3,088 |
| Net operating income to assets | 1.4521% | 1,023 |
| Return on assets (ROA) | 1.4502% | 1,062 |
| Pretax return on assets | 1.9126% | 697 |
| Return on Equity (ROE) | 11.7314% | 1,550 |
| Retained earnings to average equity (ytd only) | -14.4947% | 6,441 |
| Net charge-offs to loans | 0.0296% | 3,896 |
| Credit loss provision to net charge-offs | 454.5455% | 626 |
| Earnings coverage of net charge-offs (x) | 142.1474% | 433 |
| Efficiency ratio | 56.9383% | 5,568 |
| Assets per employee ($millions) | 3.5589% | 4,754 |
| Cash dividends to net income (ytd only)* | 223.5552% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6160% | 2,243 |
| Loan loss allowance to noncurrent loans | 75.2203% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 1.5919% | 1,916 |
| Noncurrent loans to loans | 2.1484% | 1,434 |
| Net loans and leases to total assets | 48.2788% | 5,182 |
| Net loans and leases to deposits | 55.5378% | 5,276 |
| Net loans and leases to core deposits | 57.3216% | 5,376 |
| Total domestic deposits to total assets | 86.9296% | 2,357 |
| Equity capital to assets | 12.8347% | 1,509 |
| Core capital (leverage) ratio | 10.5354% | 3,007 |
| Tier 1 risk-based capital ratio | 17.5751% | 2,368 |
| Total risk-based capital ratio | 18.8268% | 2,325 |
| Memoranda: | ||
| Average total assets | $421,536,500 | 1,583 |
| Average earning assets | $365,164,500 | 1,659 |
| Average equity | $52,109,750 | 1,408 |
| Average total loans | $198,260,750 | 2,062 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4433% | 2,017 |
| Cost of funding earning assets | 0.3996% | 3,869 |
| Net interest margin | 4.0436% | 1,682 |
| Noninterest income to average assets | 1.3596% | 651 |
| Noninterest expense to average assets | 2.6752% | 3,958 |
| Loan and lease loss provision to assets | 0.0597% | 3,075 |
| Net operating income to assets | 1.6441% | 647 |
| Return on assets (ROA) | 1.6444% | 677 |
| Pretax return on assets | 2.1357% | 416 |
| Return on Equity (ROE) | 13.4792% | 1,058 |
| Retained earnings to average equity (ytd only) | -22.7553% | 6,555 |
| Net charge-offs to loans | -0.0351% | 5,741 |
| Credit loss provision to net charge-offs | -367.6471% | 5,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3715% | 5,878 |
| Assets per employee ($millions) | 3.6200% | 4,620 |
| Cash dividends to net income (ytd only)* | 268.8172% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6383% | 2,327 |
| Loan loss allowance to noncurrent loans | 80.6703% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 1.4851% | 2,196 |
| Noncurrent loans to loans | 2.0308% | 1,660 |
| Net loans and leases to total assets | 46.8505% | 5,282 |
| Net loans and leases to deposits | 53.7575% | 5,378 |
| Net loans and leases to core deposits | 55.3691% | 5,451 |
| Total domestic deposits to total assets | 87.1515% | 2,371 |
| Equity capital to assets | 12.5615% | 1,607 |
| Core capital (leverage) ratio | 10.1032% | 3,468 |
| Tier 1 risk-based capital ratio | 17.8228% | 2,303 |
| Total risk-based capital ratio | 19.0747% | 2,273 |
| Memoranda: | ||
| Average total assets | $418,505,330 | 1,597 |
| Average earning assets | $363,337,000 | 1,662 |
| Average equity | $51,056,330 | 1,424 |
| Average total loans | $193,908,330 | 2,099 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2283% | 2,768 |
| Cost of funding earning assets | 0.3987% | 3,984 |
| Net interest margin | 3.8296% | 2,346 |
| Noninterest income to average assets | 1.8417% | 386 |
| Noninterest expense to average assets | 2.6089% | 4,239 |
| Loan and lease loss provision to assets | 0.0489% | 3,116 |
| Net operating income to assets | 2.0797% | 292 |
| Return on assets (ROA) | 2.0805% | 302 |
| Pretax return on assets | 2.5219% | 213 |
| Return on Equity (ROE) | 17.3291% | 501 |
| Retained earnings to average equity (ytd only) | -58.0680% | 6,684 |
| Net charge-offs to loans | -0.0193% | 5,336 |
| Credit loss provision to net charge-offs | -555.5556% | 5,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9622% | 6,257 |
| Assets per employee ($millions) | 3.8061% | 4,310 |
| Cash dividends to net income (ytd only)* | 435.0894% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5941% | 2,730 |
| Loan loss allowance to noncurrent loans | 62.9721% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 1.9409% | 1,770 |
| Noncurrent loans to loans | 2.5314% | 1,365 |
| Net loans and leases to total assets | 45.2229% | 5,410 |
| Net loans and leases to deposits | 51.4021% | 5,488 |
| Net loans and leases to core deposits | 52.9146% | 5,569 |
| Total domestic deposits to total assets | 87.9787% | 2,247 |
| Equity capital to assets | 11.7661% | 2,039 |
| Core capital (leverage) ratio | 9.3192% | 4,543 |
| Tier 1 risk-based capital ratio | 17.1559% | 2,615 |
| Total risk-based capital ratio | 18.4070% | 2,573 |
| Memoranda: | ||
| Average total assets | $408,747,500 | 1,641 |
| Average earning assets | $356,173,500 | 1,707 |
| Average equity | $49,073,500 | 1,462 |
| Average total loans | $186,546,000 | 2,167 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0871% | 3,788 |
| Cost of funding earning assets | 0.4410% | 4,206 |
| Net interest margin | 3.6461% | 3,257 |
| Noninterest income to average assets | 0.8049% | 2,063 |
| Noninterest expense to average assets | 2.6437% | 4,303 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9613% | 2,510 |
| Return on assets (ROA) | 0.9637% | 2,564 |
| Pretax return on assets | 1.3262% | 2,049 |
| Return on Equity (ROE) | 7.7063% | 3,192 |
| Retained earnings to average equity (ytd only) | 2.7483% | 4,282 |
| Net charge-offs to loans | 0.1476% | 3,329 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 19.2449% | 1,616 |
| Efficiency ratio | 66.6502% | 4,443 |
| Assets per employee ($millions) | 3.5742% | 4,748 |
| Cash dividends to net income (ytd only)* | 64.3377% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9758% | 1,612 |
| Loan loss allowance to noncurrent loans | 108.6333% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 1.3885% | 2,665 |
| Noncurrent loans to loans | 1.8188% | 2,214 |
| Net loans and leases to total assets | 44.3507% | 5,646 |
| Net loans and leases to deposits | 50.7258% | 5,711 |
| Net loans and leases to core deposits | 52.2424% | 5,779 |
| Total domestic deposits to total assets | 87.4322% | 2,504 |
| Equity capital to assets | 12.3036% | 1,623 |
| Core capital (leverage) ratio | 10.0115% | 3,558 |
| Tier 1 risk-based capital ratio | 16.8172% | 2,698 |
| Total risk-based capital ratio | 18.0715% | 2,651 |
| Memoranda: | ||
| Average total assets | $356,433,200 | 1,823 |
| Average earning assets | $309,068,000 | 1,917 |
| Average equity | $44,573,800 | 1,567 |
| Average total loans | $166,010,800 | 2,349 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1208% | 3,677 |
| Cost of funding earning assets | 0.4547% | 4,225 |
| Net interest margin | 3.6662% | 3,169 |
| Noninterest income to average assets | 0.8668% | 1,866 |
| Noninterest expense to average assets | 2.6534% | 4,188 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9936% | 2,401 |
| Return on assets (ROA) | 0.9936% | 2,493 |
| Pretax return on assets | 1.3833% | 1,987 |
| Return on Equity (ROE) | 7.9123% | 3,167 |
| Retained earnings to average equity (ytd only) | 2.5196% | 4,811 |
| Net charge-offs to loans | 0.1026% | 3,511 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 28.7269% | 1,272 |
| Efficiency ratio | 65.7316% | 4,534 |
| Assets per employee ($millions) | 3.4220% | 5,014 |
| Cash dividends to net income (ytd only)* | 68.1559% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9596% | 1,828 |
| Loan loss allowance to noncurrent loans | 94.7782% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.6578% | 2,478 |
| Noncurrent loans to loans | 2.0676% | 2,173 |
| Net loans and leases to total assets | 49.3578% | 5,206 |
| Net loans and leases to deposits | 56.9279% | 5,288 |
| Net loans and leases to core deposits | 58.7680% | 5,384 |
| Total domestic deposits to total assets | 86.7024% | 2,854 |
| Equity capital to assets | 12.9750% | 1,343 |
| Core capital (leverage) ratio | 10.0536% | 3,596 |
| Tier 1 risk-based capital ratio | 16.7286% | 2,850 |
| Total risk-based capital ratio | 17.9840% | 2,787 |
| Memoranda: | ||
| Average total assets | $354,399,750 | 1,840 |
| Average earning assets | $306,434,750 | 1,941 |
| Average equity | $44,503,500 | 1,588 |
| Average total loans | $166,276,750 | 2,349 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0940% | 3,755 |
| Cost of funding earning assets | 0.4604% | 4,304 |
| Net interest margin | 3.6336% | 3,231 |
| Noninterest income to average assets | 0.8324% | 2,057 |
| Noninterest expense to average assets | 2.6290% | 4,285 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9596% | 2,511 |
| Return on assets (ROA) | 0.9596% | 2,661 |
| Pretax return on assets | 1.3340% | 2,175 |
| Return on Equity (ROE) | 7.7237% | 3,225 |
| Retained earnings to average equity (ytd only) | -0.3592% | 5,926 |
| Net charge-offs to loans | 0.0962% | 3,398 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 30.2658% | 1,141 |
| Efficiency ratio | 66.3382% | 4,489 |
| Assets per employee ($millions) | 3.3494% | 5,174 |
| Cash dividends to net income (ytd only)* | 104.6512% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0047% | 1,836 |
| Loan loss allowance to noncurrent loans | 91.1632% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 1.7259% | 2,520 |
| Noncurrent loans to loans | 2.1990% | 2,178 |
| Net loans and leases to total assets | 48.5311% | 5,277 |
| Net loans and leases to deposits | 55.7331% | 5,368 |
| Net loans and leases to core deposits | 57.5294% | 5,463 |
| Total domestic deposits to total assets | 87.0778% | 2,770 |
| Equity capital to assets | 12.6274% | 1,504 |
| Core capital (leverage) ratio | 9.6004% | 4,079 |
| Tier 1 risk-based capital ratio | 16.5603% | 2,909 |
| Total risk-based capital ratio | 17.8163% | 2,866 |
| Memoranda: | ||
| Average total assets | $358,467,330 | 1,821 |
| Average earning assets | $308,838,670 | 1,938 |
| Average equity | $44,538,000 | 1,592 |
| Average total loans | $164,276,670 | 2,380 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8838% | 4,537 |
| Cost of funding earning assets | 0.4619% | 4,461 |
| Net interest margin | 3.4219% | 4,042 |
| Noninterest income to average assets | 0.8215% | 2,037 |
| Noninterest expense to average assets | 2.5805% | 4,468 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8729% | 2,787 |
| Return on assets (ROA) | 0.8729% | 2,937 |
| Pretax return on assets | 1.1862% | 2,630 |
| Return on Equity (ROE) | 7.0804% | 3,451 |
| Retained earnings to average equity (ytd only) | 7.0804% | 2,117 |
| Net charge-offs to loans | 0.1938% | 2,250 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 13.8846% | 1,492 |
| Efficiency ratio | 68.5083% | 4,219 |
| Assets per employee ($millions) | 3.5334% | 4,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1518% | 1,686 |
| Loan loss allowance to noncurrent loans | 74.2257% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 1.9693% | 2,381 |
| Noncurrent loans to loans | 2.8989% | 1,735 |
| Net loans and leases to total assets | 42.8196% | 5,772 |
| Net loans and leases to deposits | 49.1325% | 5,844 |
| Net loans and leases to core deposits | 50.6247% | 5,927 |
| Total domestic deposits to total assets | 87.1512% | 2,863 |
| Equity capital to assets | 12.4704% | 1,731 |
| Core capital (leverage) ratio | 9.6852% | 3,816 |
| Tier 1 risk-based capital ratio | 17.6376% | 2,505 |
| Total risk-based capital ratio | 18.8945% | 2,469 |
| Memoranda: | ||
| Average total assets | $365,207,500 | 1,807 |
| Average earning assets | $314,330,000 | 1,933 |
| Average equity | $45,025,500 | 1,592 |
| Average total loans | $160,989,500 | 2,435 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5512% | 3,208 |
| Cost of funding earning assets | 0.5888% | 4,455 |
| Net interest margin | 3.9623% | 2,561 |
| Noninterest income to average assets | 0.7655% | 2,414 |
| Noninterest expense to average assets | 2.7346% | 4,272 |
| Loan and lease loss provision to assets | 0.1712% | 3,481 |
| Net operating income to assets | 0.9073% | 2,782 |
| Return on assets (ROA) | 1.0439% | 2,351 |
| Pretax return on assets | 1.4493% | 1,855 |
| Return on Equity (ROE) | 8.2498% | 2,982 |
| Retained earnings to average equity (ytd only) | 1.4858% | 5,123 |
| Net charge-offs to loans | 0.2548% | 3,415 |
| Credit loss provision to net charge-offs | 137.2998% | 2,013 |
| Earnings coverage of net charge-offs (x) | 11.4760% | 2,024 |
| Efficiency ratio | 65.6507% | 4,574 |
| Assets per employee ($millions) | 3.4902% | 5,023 |
| Cash dividends to net income (ytd only)* | 81.9896% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1535% | 1,647 |
| Loan loss allowance to noncurrent loans | 81.4126% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 1.8915% | 2,583 |
| Noncurrent loans to loans | 2.6451% | 2,003 |
| Net loans and leases to total assets | 43.4437% | 5,867 |
| Net loans and leases to deposits | 49.7269% | 5,974 |
| Net loans and leases to core deposits | 51.4068% | 6,059 |
| Total domestic deposits to total assets | 87.3647% | 2,604 |
| Equity capital to assets | 12.1880% | 1,918 |
| Core capital (leverage) ratio | 9.6816% | 3,838 |
| Tier 1 risk-based capital ratio | 17.0500% | 2,627 |
| Total risk-based capital ratio | 18.3093% | 2,589 |
| Memoranda: | ||
| Average total assets | $350,507,200 | 1,850 |
| Average earning assets | $300,756,200 | 1,965 |
| Average equity | $44,352,600 | 1,572 |
| Average total loans | $171,513,400 | 2,295 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6517% | 3,008 |
| Cost of funding earning assets | 0.6126% | 4,516 |
| Net interest margin | 4.0391% | 2,343 |
| Noninterest income to average assets | 0.8700% | 1,942 |
| Noninterest expense to average assets | 2.7488% | 4,179 |
| Loan and lease loss provision to assets | 0.1539% | 3,603 |
| Net operating income to assets | 1.0344% | 2,347 |
| Return on assets (ROA) | 1.0339% | 2,568 |
| Pretax return on assets | 1.4267% | 2,154 |
| Return on Equity (ROE) | 8.0918% | 3,244 |
| Retained earnings to average equity (ytd only) | 2.8217% | 4,859 |
| Net charge-offs to loans | 0.1658% | 3,794 |
| Credit loss provision to net charge-offs | 185.1852% | 1,496 |
| Earnings coverage of net charge-offs (x) | 19.0280% | 1,520 |
| Efficiency ratio | 63.4797% | 4,893 |
| Assets per employee ($millions) | 3.2577% | 5,521 |
| Cash dividends to net income (ytd only)* | 65.1285% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0027% | 2,160 |
| Loan loss allowance to noncurrent loans | 73.6216% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 2.2628% | 2,351 |
| Noncurrent loans to loans | 2.7202% | 2,080 |
| Net loans and leases to total assets | 50.4270% | 5,259 |
| Net loans and leases to deposits | 58.3735% | 5,391 |
| Net loans and leases to core deposits | 60.7516% | 5,481 |
| Total domestic deposits to total assets | 86.3868% | 3,046 |
| Equity capital to assets | 13.2887% | 1,445 |
| Core capital (leverage) ratio | 9.9486% | 3,617 |
| Tier 1 risk-based capital ratio | 16.7979% | 2,842 |
| Total risk-based capital ratio | 18.0546% | 2,789 |
| Memoranda: | ||
| Average total assets | $346,515,500 | 1,891 |
| Average earning assets | $296,859,250 | 2,011 |
| Average equity | $44,274,250 | 1,588 |
| Average total loans | $173,713,250 | 2,302 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6286% | 3,233 |
| Cost of funding earning assets | 0.6248% | 4,677 |
| Net interest margin | 4.0038% | 2,489 |
| Noninterest income to average assets | 0.8385% | 2,012 |
| Noninterest expense to average assets | 2.6977% | 4,437 |
| Loan and lease loss provision to assets | 0.1437% | 3,722 |
| Net operating income to assets | 1.0282% | 2,349 |
| Return on assets (ROA) | 1.0282% | 2,568 |
| Pretax return on assets | 1.4184% | 2,138 |
| Return on Equity (ROE) | 8.1539% | 3,188 |
| Retained earnings to average equity (ytd only) | 0.1778% | 5,984 |
| Net charge-offs to loans | 0.2394% | 3,137 |
| Credit loss provision to net charge-offs | 120.7729% | 2,278 |
| Earnings coverage of net charge-offs (x) | 13.1304% | 1,816 |
| Efficiency ratio | 63.3297% | 5,018 |
| Assets per employee ($millions) | 3.2690% | 5,520 |
| Cash dividends to net income (ytd only)* | 97.8200% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9558% | 2,355 |
| Loan loss allowance to noncurrent loans | 85.1535% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 2.1082% | 2,655 |
| Noncurrent loans to loans | 2.2968% | 2,610 |
| Net loans and leases to total assets | 48.9562% | 5,493 |
| Net loans and leases to deposits | 56.2852% | 5,618 |
| Net loans and leases to core deposits | 58.5302% | 5,732 |
| Total domestic deposits to total assets | 86.9787% | 2,775 |
| Equity capital to assets | 12.7999% | 1,630 |
| Core capital (leverage) ratio | 9.5717% | 4,043 |
| Tier 1 risk-based capital ratio | 16.6112% | 2,855 |
| Total risk-based capital ratio | 17.8673% | 2,809 |
| Memoranda: | ||
| Average total assets | $348,001,670 | 1,883 |
| Average earning assets | $297,367,330 | 2,002 |
| Average equity | $43,880,670 | 1,594 |
| Average total loans | $172,946,330 | 2,319 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6315% | 3,350 |
| Cost of funding earning assets | 0.6299% | 4,893 |
| Net interest margin | 4.0016% | 2,501 |
| Noninterest income to average assets | 0.8900% | 1,788 |
| Noninterest expense to average assets | 2.7034% | 4,413 |
| Loan and lease loss provision to assets | 0.1720% | 3,247 |
| Net operating income to assets | 1.0265% | 2,376 |
| Return on assets (ROA) | 1.0265% | 2,563 |
| Pretax return on assets | 1.4245% | 2,105 |
| Return on Equity (ROE) | 8.2026% | 3,193 |
| Retained earnings to average equity (ytd only) | -7.8360% | 6,758 |
| Net charge-offs to loans | 0.2915% | 2,502 |
| Credit loss provision to net charge-offs | 119.0476% | 1,996 |
| Earnings coverage of net charge-offs (x) | 11.0476% | 1,702 |
| Efficiency ratio | 62.8701% | 5,123 |
| Assets per employee ($millions) | 3.3093% | 5,544 |
| Cash dividends to net income (ytd only)* | 195.5307% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9855% | 2,400 |
| Loan loss allowance to noncurrent loans | 84.9747% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 1.9998% | 2,898 |
| Noncurrent loans to loans | 2.3366% | 2,767 |
| Net loans and leases to total assets | 47.3546% | 5,639 |
| Net loans and leases to deposits | 54.4731% | 5,762 |
| Net loans and leases to core deposits | 56.3569% | 5,877 |
| Total domestic deposits to total assets | 86.9321% | 2,991 |
| Equity capital to assets | 12.3270% | 1,831 |
| Core capital (leverage) ratio | 9.3519% | 4,279 |
| Tier 1 risk-based capital ratio | 16.2762% | 3,031 |
| Total risk-based capital ratio | 17.5322% | 2,988 |
| Memoranda: | ||
| Average total assets | $348,747,500 | 1,893 |
| Average earning assets | $297,180,500 | 1,998 |
| Average equity | $43,644,500 | 1,598 |
| Average total loans | $172,908,500 | 2,332 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1618% | 2,217 |
| Cost of funding earning assets | 0.8024% | 4,847 |
| Net interest margin | 4.3594% | 1,516 |
| Noninterest income to average assets | 0.8773% | 1,751 |
| Noninterest expense to average assets | 2.9085% | 3,931 |
| Loan and lease loss provision to assets | 0.2307% | 3,894 |
| Net operating income to assets | 1.0425% | 2,034 |
| Return on assets (ROA) | 1.0455% | 2,170 |
| Pretax return on assets | 1.4427% | 1,646 |
| Return on Equity (ROE) | 8.1066% | 2,855 |
| Retained earnings to average equity (ytd only) | 1.5281% | 5,123 |
| Net charge-offs to loans | 0.3095% | 3,851 |
| Credit loss provision to net charge-offs | 136.4437% | 2,187 |
| Earnings coverage of net charge-offs (x) | 9.8715% | 1,916 |
| Efficiency ratio | 62.9317% | 5,312 |
| Assets per employee ($millions) | 3.2103% | 5,684 |
| Cash dividends to net income (ytd only)* | 81.1503% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8946% | 2,582 |
| Loan loss allowance to noncurrent loans | 83.3791% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 2.1216% | 2,826 |
| Noncurrent loans to loans | 2.2723% | 2,878 |
| Net loans and leases to total assets | 49.8970% | 5,597 |
| Net loans and leases to deposits | 57.3574% | 5,768 |
| Net loans and leases to core deposits | 59.3749% | 5,896 |
| Total domestic deposits to total assets | 86.9932% | 2,769 |
| Equity capital to assets | 12.7045% | 1,651 |
| Core capital (leverage) ratio | 9.9072% | 3,445 |
| Tier 1 risk-based capital ratio | 16.4671% | 2,837 |
| Total risk-based capital ratio | 17.7210% | 2,801 |
| Memoranda: | ||
| Average total assets | $335,908,800 | 1,926 |
| Average earning assets | $285,130,400 | 2,060 |
| Average equity | $43,322,600 | 1,557 |
| Average total loans | $183,536,600 | 2,191 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1510% | 2,384 |
| Cost of funding earning assets | 0.8412% | 4,842 |
| Net interest margin | 4.3098% | 1,680 |
| Noninterest income to average assets | 0.8923% | 1,677 |
| Noninterest expense to average assets | 2.9394% | 3,779 |
| Loan and lease loss provision to assets | 0.2701% | 3,342 |
| Net operating income to assets | 0.9823% | 2,384 |
| Return on assets (ROA) | 0.9863% | 2,523 |
| Pretax return on assets | 1.3521% | 2,108 |
| Return on Equity (ROE) | 7.6182% | 3,217 |
| Retained earnings to average equity (ytd only) | 2.6733% | 4,752 |
| Net charge-offs to loans | 0.1921% | 4,263 |
| Credit loss provision to net charge-offs | 252.8090% | 1,135 |
| Earnings coverage of net charge-offs (x) | 15.1311% | 1,491 |
| Efficiency ratio | 63.7010% | 5,123 |
| Assets per employee ($millions) | 3.0189% | 6,068 |
| Cash dividends to net income (ytd only)* | 64.9088% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8825% | 2,668 |
| Loan loss allowance to noncurrent loans | 67.2361% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 2.6138% | 2,471 |
| Noncurrent loans to loans | 2.7998% | 2,484 |
| Net loans and leases to total assets | 56.1040% | 4,823 |
| Net loans and leases to deposits | 65.2714% | 5,018 |
| Net loans and leases to core deposits | 67.7484% | 5,206 |
| Total domestic deposits to total assets | 85.9549% | 3,237 |
| Equity capital to assets | 13.4825% | 1,377 |
| Core capital (leverage) ratio | 10.1693% | 3,221 |
| Tier 1 risk-based capital ratio | 16.0234% | 3,109 |
| Total risk-based capital ratio | 17.2793% | 3,067 |
| Memoranda: | ||
| Average total assets | $333,208,000 | 1,950 |
| Average earning assets | $283,251,000 | 2,078 |
| Average equity | $43,141,250 | 1,568 |
| Average total loans | $185,335,750 | 2,196 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0583% | 2,882 |
| Cost of funding earning assets | 0.8692% | 4,910 |
| Net interest margin | 4.1891% | 2,078 |
| Noninterest income to average assets | 0.8548% | 1,785 |
| Noninterest expense to average assets | 2.9236% | 3,927 |
| Loan and lease loss provision to assets | 0.2690% | 3,242 |
| Net operating income to assets | 0.8946% | 2,661 |
| Return on assets (ROA) | 0.8990% | 2,755 |
| Pretax return on assets | 1.2319% | 2,362 |
| Return on Equity (ROE) | 7.0390% | 3,431 |
| Retained earnings to average equity (ytd only) | -0.4493% | 5,945 |
| Net charge-offs to loans | 0.4545% | 2,760 |
| Credit loss provision to net charge-offs | 107.3986% | 2,867 |
| Earnings coverage of net charge-offs (x) | 5.9690% | 2,500 |
| Efficiency ratio | 64.9080% | 5,078 |
| Assets per employee ($millions) | 3.0208% | 6,038 |
| Cash dividends to net income (ytd only)* | 106.3830% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6940% | 3,344 |
| Loan loss allowance to noncurrent loans | 60.7020% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 2.4737% | 2,697 |
| Noncurrent loans to loans | 2.7907% | 2,606 |
| Net loans and leases to total assets | 55.7804% | 5,029 |
| Net loans and leases to deposits | 64.5067% | 5,210 |
| Net loans and leases to core deposits | 66.8528% | 5,405 |
| Total domestic deposits to total assets | 86.4722% | 3,053 |
| Equity capital to assets | 13.0504% | 1,495 |
| Core capital (leverage) ratio | 9.8527% | 3,449 |
| Tier 1 risk-based capital ratio | 15.7529% | 3,106 |
| Total risk-based capital ratio | 17.0067% | 3,081 |
| Memoranda: | ||
| Average total assets | $334,592,330 | 1,950 |
| Average earning assets | $284,641,000 | 2,076 |
| Average equity | $42,733,330 | 1,563 |
| Average total loans | $184,396,000 | 2,227 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9513% | 3,326 |
| Cost of funding earning assets | 0.9131% | 4,826 |
| Net interest margin | 4.0382% | 2,527 |
| Noninterest income to average assets | 0.8124% | 1,982 |
| Noninterest expense to average assets | 2.9331% | 3,930 |
| Loan and lease loss provision to assets | 0.2669% | 3,007 |
| Net operating income to assets | 0.7804% | 3,120 |
| Return on assets (ROA) | 0.7804% | 3,193 |
| Pretax return on assets | 1.0271% | 3,034 |
| Return on Equity (ROE) | 6.1763% | 3,799 |
| Retained earnings to average equity (ytd only) | 6.1763% | 2,536 |
| Net charge-offs to loans | 0.4673% | 2,301 |
| Credit loss provision to net charge-offs | 105.1402% | 2,536 |
| Earnings coverage of net charge-offs (x) | 5.0981% | 2,336 |
| Efficiency ratio | 67.8171% | 4,690 |
| Assets per employee ($millions) | 3.0626% | 6,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7461% | 3,193 |
| Loan loss allowance to noncurrent loans | 56.9643% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 2.4981% | 2,735 |
| Noncurrent loans to loans | 3.0652% | 2,450 |
| Net loans and leases to total assets | 53.0142% | 5,447 |
| Net loans and leases to deposits | 61.0139% | 5,616 |
| Net loans and leases to core deposits | 63.3582% | 5,797 |
| Total domestic deposits to total assets | 86.8887% | 3,003 |
| Equity capital to assets | 12.9034% | 1,423 |
| Core capital (leverage) ratio | 9.8121% | 3,374 |
| Tier 1 risk-based capital ratio | 16.3152% | 2,748 |
| Total risk-based capital ratio | 17.5692% | 2,709 |
| Memoranda: | ||
| Average total assets | $337,253,500 | 1,946 |
| Average earning assets | $285,179,000 | 2,081 |
| Average equity | $42,614,500 | 1,558 |
| Average total loans | $183,177,500 | 2,275 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8966% | 1,054 |
| Cost of funding earning assets | 1.0860% | 5,214 |
| Net interest margin | 4.8106% | 659 |
| Noninterest income to average assets | 0.9098% | 1,819 |
| Noninterest expense to average assets | 3.3281% | 2,648 |
| Loan and lease loss provision to assets | 0.2588% | 4,718 |
| Net operating income to assets | 0.9829% | 2,097 |
| Return on assets (ROA) | 1.0402% | 2,010 |
| Pretax return on assets | 1.4398% | 1,541 |
| Return on Equity (ROE) | 7.6114% | 2,843 |
| Retained earnings to average equity (ytd only) | 1.1009% | 4,995 |
| Net charge-offs to loans | 0.6257% | 3,149 |
| Credit loss provision to net charge-offs | 66.8896% | 5,936 |
| Earnings coverage of net charge-offs (x) | 4.1839% | 3,029 |
| Efficiency ratio | 65.8208% | 5,005 |
| Assets per employee ($millions) | 3.0972% | 5,885 |
| Cash dividends to net income (ytd only)* | 85.5365% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6828% | 3,280 |
| Loan loss allowance to noncurrent loans | 50.4589% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 2.5510% | 2,720 |
| Noncurrent loans to loans | 3.3350% | 2,278 |
| Net loans and leases to total assets | 53.7455% | 5,664 |
| Net loans and leases to deposits | 61.6284% | 5,882 |
| Net loans and leases to core deposits | 63.5035% | 6,100 |
| Total domestic deposits to total assets | 87.2091% | 2,711 |
| Equity capital to assets | 12.3735% | 1,709 |
| Core capital (leverage) ratio | 10.0683% | 3,006 |
| Tier 1 risk-based capital ratio | 15.4686% | 3,007 |
| Total risk-based capital ratio | 16.7223% | 2,969 |
| Memoranda: | ||
| Average total assets | $309,068,800 | 2,095 |
| Average earning assets | $259,387,800 | 2,264 |
| Average equity | $42,239,200 | 1,570 |
| Average total loans | $191,131,000 | 2,240 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0618% | 820 |
| Cost of funding earning assets | 1.1218% | 5,310 |
| Net interest margin | 4.9400% | 505 |
| Noninterest income to average assets | 0.9102% | 1,761 |
| Noninterest expense to average assets | 3.3956% | 2,307 |
| Loan and lease loss provision to assets | 0.2878% | 4,271 |
| Net operating income to assets | 0.9947% | 2,250 |
| Return on assets (ROA) | 1.0731% | 2,107 |
| Pretax return on assets | 1.4804% | 1,661 |
| Return on Equity (ROE) | 7.6477% | 3,046 |
| Retained earnings to average equity (ytd only) | 2.9152% | 4,384 |
| Net charge-offs to loans | 0.5517% | 3,101 |
| Credit loss provision to net charge-offs | 81.6583% | 5,086 |
| Earnings coverage of net charge-offs (x) | 4.7085% | 2,948 |
| Efficiency ratio | 65.7120% | 4,921 |
| Assets per employee ($millions) | 2.7874% | 6,608 |
| Cash dividends to net income (ytd only)* | 61.8812% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6971% | 3,160 |
| Loan loss allowance to noncurrent loans | 62.4239% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 2.3326% | 3,047 |
| Noncurrent loans to loans | 2.7186% | 2,921 |
| Net loans and leases to total assets | 63.9301% | 4,140 |
| Net loans and leases to deposits | 74.8974% | 4,360 |
| Net loans and leases to core deposits | 77.8531% | 4,818 |
| Total domestic deposits to total assets | 85.3569% | 3,430 |
| Equity capital to assets | 14.1646% | 1,118 |
| Core capital (leverage) ratio | 10.8642% | 2,359 |
| Tier 1 risk-based capital ratio | 15.5189% | 2,988 |
| Total risk-based capital ratio | 16.7738% | 2,954 |
| Memoranda: | ||
| Average total assets | $301,164,250 | 2,179 |
| Average earning assets | $252,679,750 | 2,348 |
| Average equity | $42,260,250 | 1,567 |
| Average total loans | $192,354,250 | 2,267 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0724% | 800 |
| Cost of funding earning assets | 1.1317% | 5,511 |
| Net interest margin | 4.9407% | 487 |
| Noninterest income to average assets | 0.9454% | 1,527 |
| Noninterest expense to average assets | 3.4275% | 2,198 |
| Loan and lease loss provision to assets | 0.2004% | 4,866 |
| Net operating income to assets | 1.0575% | 1,993 |
| Return on assets (ROA) | 1.0356% | 2,138 |
| Pretax return on assets | 1.4178% | 1,786 |
| Return on Equity (ROE) | 7.4039% | 3,147 |
| Retained earnings to average equity (ytd only) | 0.2388% | 5,659 |
| Net charge-offs to loans | 0.2947% | 3,850 |
| Credit loss provision to net charge-offs | 107.1429% | 3,802 |
| Earnings coverage of net charge-offs (x) | 8.8107% | 2,094 |
| Efficiency ratio | 66.0656% | 4,968 |
| Assets per employee ($millions) | 2.7302% | 6,730 |
| Cash dividends to net income (ytd only)* | 96.7742% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8350% | 2,621 |
| Loan loss allowance to noncurrent loans | 85.8110% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 1.9932% | 3,505 |
| Noncurrent loans to loans | 2.1384% | 3,542 |
| Net loans and leases to total assets | 63.2357% | 4,409 |
| Net loans and leases to deposits | 74.2581% | 4,637 |
| Net loans and leases to core deposits | 77.2308% | 5,060 |
| Total domestic deposits to total assets | 85.1567% | 3,541 |
| Equity capital to assets | 14.0711% | 1,139 |
| Core capital (leverage) ratio | 10.7992% | 2,396 |
| Tier 1 risk-based capital ratio | 15.6344% | 2,831 |
| Total risk-based capital ratio | 16.8913% | 2,794 |
| Memoranda: | ||
| Average total assets | $299,347,000 | 2,204 |
| Average earning assets | $250,248,000 | 2,391 |
| Average equity | $41,870,000 | 1,578 |
| Average total loans | $190,004,330 | 2,313 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0305% | 920 |
| Cost of funding earning assets | 1.1421% | 5,689 |
| Net interest margin | 4.8884% | 533 |
| Noninterest income to average assets | 0.9235% | 1,541 |
| Noninterest expense to average assets | 3.3608% | 2,341 |
| Loan and lease loss provision to assets | 0.2008% | 4,493 |
| Net operating income to assets | 1.0884% | 1,868 |
| Return on assets (ROA) | 0.8874% | 2,669 |
| Pretax return on assets | 1.1979% | 2,367 |
| Return on Equity (ROE) | 6.3635% | 3,687 |
| Retained earnings to average equity (ytd only) | -8.0335% | 6,832 |
| Net charge-offs to loans | 0.2613% | 3,368 |
| Credit loss provision to net charge-offs | 121.9512% | 2,869 |
| Earnings coverage of net charge-offs (x) | 10.1463% | 1,774 |
| Efficiency ratio | 65.3365% | 5,247 |
| Assets per employee ($millions) | 2.6885% | 6,884 |
| Cash dividends to net income (ytd only)* | 226.2443% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9021% | 2,432 |
| Loan loss allowance to noncurrent loans | 94.2751% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 1.8923% | 3,643 |
| Noncurrent loans to loans | 2.0176% | 3,771 |
| Net loans and leases to total assets | 61.4716% | 4,863 |
| Net loans and leases to deposits | 71.7255% | 5,090 |
| Net loans and leases to core deposits | 74.4401% | 5,451 |
| Total domestic deposits to total assets | 85.7040% | 3,313 |
| Equity capital to assets | 13.8550% | 1,190 |
| Core capital (leverage) ratio | 10.4466% | 2,676 |
| Tier 1 risk-based capital ratio | 15.5974% | 2,832 |
| Total risk-based capital ratio | 16.8548% | 2,772 |
| Memoranda: | ||
| Average total assets | $298,858,500 | 2,256 |
| Average earning assets | $251,125,000 | 2,441 |
| Average equity | $41,675,500 | 1,598 |
| Average total loans | $188,275,500 | 2,399 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3458% | 941 |
| Cost of funding earning assets | 1.4991% | 5,518 |
| Net interest margin | 4.8467% | 626 |
| Noninterest income to average assets | 1.0023% | 1,565 |
| Noninterest expense to average assets | 3.3856% | 2,726 |
| Loan and lease loss provision to assets | 0.1603% | 6,082 |
| Net operating income to assets | 1.0833% | 1,557 |
| Return on assets (ROA) | 1.0204% | 1,818 |
| Pretax return on assets | 1.5038% | 1,177 |
| Return on Equity (ROE) | 7.3313% | 2,648 |
| Retained earnings to average equity (ytd only) | 1.2139% | 4,189 |
| Net charge-offs to loans | 0.2457% | 5,082 |
| Credit loss provision to net charge-offs | 101.0526% | 5,462 |
| Earnings coverage of net charge-offs (x) | 11.0758% | 1,629 |
| Efficiency ratio | 64.2750% | 5,725 |
| Assets per employee ($millions) | 2.6722% | 6,906 |
| Cash dividends to net income (ytd only)* | 83.4424% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8623% | 2,370 |
| Loan loss allowance to noncurrent loans | 85.7629% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 1.9309% | 3,483 |
| Noncurrent loans to loans | 2.1715% | 3,419 |
| Net loans and leases to total assets | 62.1524% | 4,958 |
| Net loans and leases to deposits | 73.0210% | 5,188 |
| Net loans and leases to core deposits | 87.9147% | 5,341 |
| Total domestic deposits to total assets | 85.1158% | 3,503 |
| Equity capital to assets | 14.0345% | 1,159 |
| Core capital (leverage) ratio | 10.7168% | 2,413 |
| Tier 1 risk-based capital ratio | 15.7698% | 2,612 |
| Total risk-based capital ratio | 17.0268% | 2,546 |
| Memoranda: | ||
| Average total assets | $299,502,200 | 2,220 |
| Average earning assets | $255,823,800 | 2,361 |
| Average equity | $41,684,200 | 1,601 |
| Average total loans | $193,297,400 | 2,361 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3527% | 1,022 |
| Cost of funding earning assets | 1.5766% | 5,509 |
| Net interest margin | 4.7761% | 719 |
| Noninterest income to average assets | 0.9756% | 1,683 |
| Noninterest expense to average assets | 3.3934% | 2,598 |
| Loan and lease loss provision to assets | 0.1602% | 5,744 |
| Net operating income to assets | 1.0285% | 1,969 |
| Return on assets (ROA) | 0.9440% | 2,318 |
| Pretax return on assets | 1.3860% | 1,736 |
| Return on Equity (ROE) | 6.7972% | 3,169 |
| Retained earnings to average equity (ytd only) | 2.6311% | 3,854 |
| Net charge-offs to loans | 0.2354% | 4,583 |
| Credit loss provision to net charge-offs | 104.9563% | 4,837 |
| Earnings coverage of net charge-offs (x) | 10.9417% | 1,898 |
| Efficiency ratio | 65.3775% | 5,483 |
| Assets per employee ($millions) | 2.6284% | 6,994 |
| Cash dividends to net income (ytd only)* | 61.2918% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7801% | 2,344 |
| Loan loss allowance to noncurrent loans | 119.5410% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 1.3883% | 4,318 |
| Noncurrent loans to loans | 1.4891% | 4,431 |
| Net loans and leases to total assets | 66.3886% | 4,333 |
| Net loans and leases to deposits | 78.9862% | 4,565 |
| Net loans and leases to core deposits | 95.4277% | 4,874 |
| Total domestic deposits to total assets | 84.0508% | 3,701 |
| Equity capital to assets | 14.4790% | 1,150 |
| Core capital (leverage) ratio | 10.9927% | 2,410 |
| Tier 1 risk-based capital ratio | 15.6697% | 2,746 |
| Total risk-based capital ratio | 16.9264% | 2,687 |
| Memoranda: | ||
| Average total assets | $299,555,250 | 2,229 |
| Average earning assets | $256,411,000 | 2,374 |
| Average equity | $41,604,250 | 1,623 |
| Average total loans | $194,235,250 | 2,381 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3407% | 1,113 |
| Cost of funding earning assets | 1.6419% | 5,550 |
| Net interest margin | 4.6987% | 800 |
| Noninterest income to average assets | 0.9307% | 1,839 |
| Noninterest expense to average assets | 3.4081% | 2,602 |
| Loan and lease loss provision to assets | 0.1593% | 5,471 |
| Net operating income to assets | 0.9110% | 2,414 |
| Return on assets (ROA) | 0.7840% | 3,007 |
| Pretax return on assets | 1.1830% | 2,354 |
| Return on Equity (ROE) | 5.7240% | 3,774 |
| Retained earnings to average equity (ytd only) | -0.5768% | 5,369 |
| Net charge-offs to loans | 0.2492% | 3,954 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 9.6333% | 2,100 |
| Efficiency ratio | 67.2039% | 5,314 |
| Assets per employee ($millions) | 2.5842% | 7,087 |
| Cash dividends to net income (ytd only)* | 110.0762% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8248% | 1,977 |
| Loan loss allowance to noncurrent loans | 145.4208% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 1.5020% | 3,981 |
| Noncurrent loans to loans | 1.2548% | 4,692 |
| Net loans and leases to total assets | 64.3744% | 4,904 |
| Net loans and leases to deposits | 76.0993% | 5,161 |
| Net loans and leases to core deposits | 94.3409% | 5,076 |
| Total domestic deposits to total assets | 84.5927% | 3,448 |
| Equity capital to assets | 13.8785% | 1,352 |
| Core capital (leverage) ratio | 10.4360% | 2,869 |
| Tier 1 risk-based capital ratio | 15.4500% | 2,833 |
| Total risk-based capital ratio | 16.7071% | 2,761 |
| Memoranda: | ||
| Average total assets | $301,280,670 | 2,250 |
| Average earning assets | $257,260,000 | 2,378 |
| Average equity | $41,264,670 | 1,648 |
| Average total loans | $192,655,000 | 2,430 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3544% | 1,170 |
| Cost of funding earning assets | 1.6875% | 5,649 |
| Net interest margin | 4.6669% | 831 |
| Noninterest income to average assets | 0.8837% | 1,917 |
| Noninterest expense to average assets | 3.2893% | 2,691 |
| Loan and lease loss provision to assets | 0.1576% | 4,915 |
| Net operating income to assets | 0.9805% | 2,393 |
| Return on assets (ROA) | 0.9980% | 2,457 |
| Pretax return on assets | 1.4273% | 1,890 |
| Return on Equity (ROE) | 7.3334% | 3,455 |
| Retained earnings to average equity (ytd only) | 7.3334% | 2,083 |
| Net charge-offs to loans | 0.0645% | 4,561 |
| Credit loss provision to net charge-offs | 387.0968% | 1,332 |
| Earnings coverage of net charge-offs (x) | 38.3226% | 884 |
| Efficiency ratio | 66.0168% | 5,329 |
| Assets per employee ($millions) | 2.6515% | 6,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8805% | 1,670 |
| Loan loss allowance to noncurrent loans | 158.8571% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 1.3256% | 4,013 |
| Noncurrent loans to loans | 1.1838% | 4,608 |
| Net loans and leases to total assets | 61.8401% | 5,367 |
| Net loans and leases to deposits | 73.0661% | 5,605 |
| Net loans and leases to core deposits | 89.5425% | 5,602 |
| Total domestic deposits to total assets | 84.6357% | 3,399 |
| Equity capital to assets | 13.7438% | 1,446 |
| Core capital (leverage) ratio | 10.5549% | 2,865 |
| Tier 1 risk-based capital ratio | 15.7369% | 2,776 |
| Total risk-based capital ratio | 16.9943% | 2,708 |
| Memoranda: | ||
| Average total assets | $304,621,000 | 2,239 |
| Average earning assets | $258,844,500 | 2,377 |
| Average equity | $41,454,000 | 1,643 |
| Average total loans | $192,396,500 | 2,444 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1547% | 809 |
| Cost of funding earning assets | 2.3804% | 4,813 |
| Net interest margin | 4.7743% | 822 |
| Noninterest income to average assets | 0.9657% | 1,709 |
| Noninterest expense to average assets | 3.2549% | 3,137 |
| Loan and lease loss provision to assets | 0.1535% | 5,399 |
| Net operating income to assets | 1.2647% | 1,585 |
| Return on assets (ROA) | 0.8378% | 3,116 |
| Pretax return on assets | 1.1377% | 2,887 |
| Return on Equity (ROE) | 6.3449% | 3,812 |
| Retained earnings to average equity (ytd only) | -1.0413% | 5,613 |
| Net charge-offs to loans | 0.3589% | 3,040 |
| Credit loss provision to net charge-offs | 65.9341% | 6,143 |
| Earnings coverage of net charge-offs (x) | 8.0247% | 2,960 |
| Efficiency ratio | 61.4194% | 6,071 |
| Assets per employee ($millions) | 2.6463% | 6,897 |
| Cash dividends to net income (ytd only)* | 116.4122% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8301% | 1,568 |
| Loan loss allowance to noncurrent loans | 344.9119% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.7992% | 4,856 |
| Noncurrent loans to loans | 0.5306% | 5,765 |
| Net loans and leases to total assets | 62.1353% | 5,607 |
| Net loans and leases to deposits | 72.5570% | 5,997 |
| Net loans and leases to core deposits | 87.9002% | 5,986 |
| Total domestic deposits to total assets | 85.6365% | 2,573 |
| Equity capital to assets | 13.4727% | 1,604 |
| Core capital (leverage) ratio | 10.3838% | 3,089 |
| Tier 1 risk-based capital ratio | 14.7176% | 3,195 |
| Total risk-based capital ratio | 15.9734% | 3,112 |
| Memoranda: | ||
| Average total assets | $312,725,200 | 2,137 |
| Average earning assets | $272,310,400 | 2,218 |
| Average equity | $41,292,800 | 1,619 |
| Average total loans | $202,857,400 | 2,274 |