Home > Southwest Missouri Bank > Performance and Condition Ratios
Southwest Missouri Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1752% | 3,676 |
| Cost of funding earning assets | 1.1810% | 2,853 |
| Net interest margin | 2.9943% | 3,296 |
| Noninterest income to average assets | 0.9300% | 719 |
| Noninterest expense to average assets | 2.9888% | 1,141 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.5859% | 3,472 |
| Return on assets (ROA) | 0.5859% | 3,470 |
| Pretax return on assets | 0.6836% | 3,469 |
| Return on Equity (ROE) | 13.6900% | 1,558 |
| Retained earnings to average equity (ytd only) | 8.5293% | 1,385 |
| Net charge-offs to loans | 0.0082% | 2,359 |
| Credit loss provision to net charge-offs | 16.2791% | 2,325 |
| Earnings coverage of net charge-offs (x) | 178.7209% | 629 |
| Efficiency ratio | 80.8788% | 858 |
| Assets per employee ($millions) | 5.5630% | 3,193 |
| Cash dividends to net income (ytd only)* | 37.6805% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 2,906 |
| Loan loss allowance to noncurrent loans | 413.1263% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.1293% | 2,674 |
| Noncurrent loans to loans | 0.2631% | 2,243 |
| Net loans and leases to total assets | 46.9500% | 3,778 |
| Net loans and leases to deposits | 54.1822% | 3,787 |
| Net loans and leases to core deposits | 56.7649% | 3,886 |
| Total domestic deposits to total assets | 86.6500% | 1,802 |
| Equity capital to assets | 4.9773% | 4,417 |
| Core capital (leverage) ratio | 8.6044% | 4,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1848% | 1,230 |
| Memoranda: | ||
| Average total assets | $1,087,580,600 | 916 |
| Average earning assets | $1,005,025,000 | 902 |
| Average equity | $46,557,200 | 1,694 |
| Average total loans | $525,992,200 | 1,188 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0961% | 3,669 |
| Cost of funding earning assets | 1.0812% | 2,800 |
| Net interest margin | 3.0149% | 3,317 |
| Noninterest income to average assets | 0.9400% | 706 |
| Noninterest expense to average assets | 2.9676% | 1,115 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.6286% | 3,475 |
| Return on assets (ROA) | 0.6286% | 3,472 |
| Pretax return on assets | 0.7359% | 3,480 |
| Return on Equity (ROE) | 15.3400% | 1,389 |
| Retained earnings to average equity (ytd only) | 8.0768% | 1,938 |
| Net charge-offs to loans | 0.0018% | 2,520 |
| Credit loss provision to net charge-offs | 2,500.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 873.1429% | 185 |
| Efficiency ratio | 79.6626% | 875 |
| Assets per employee ($millions) | 5.0034% | 3,604 |
| Cash dividends to net income (ytd only)* | 47.3477% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 2,839 |
| Loan loss allowance to noncurrent loans | 400.8886% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 2,615 |
| Noncurrent loans to loans | 0.2757% | 2,252 |
| Net loans and leases to total assets | 49.7000% | 3,636 |
| Net loans and leases to deposits | 56.0562% | 3,708 |
| Net loans and leases to core deposits | 58.6818% | 3,758 |
| Total domestic deposits to total assets | 88.6600% | 1,355 |
| Equity capital to assets | 3.5934% | 4,449 |
| Core capital (leverage) ratio | 8.6315% | 4,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0610% | 1,305 |
| Memoranda: | ||
| Average total assets | $1,075,649,000 | 926 |
| Average earning assets | $993,690,000 | 912 |
| Average equity | $44,075,500 | 1,746 |
| Average total loans | $522,833,250 | 1,186 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9660% | 3,755 |
| Cost of funding earning assets | 0.9824% | 2,659 |
| Net interest margin | 2.9836% | 3,473 |
| Noninterest income to average assets | 0.9200% | 658 |
| Noninterest expense to average assets | 2.9048% | 1,199 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.6479% | 3,468 |
| Return on assets (ROA) | 0.6479% | 3,475 |
| Pretax return on assets | 0.7617% | 3,483 |
| Return on Equity (ROE) | 15.2000% | 1,430 |
| Retained earnings to average equity (ytd only) | 7.8271% | 2,027 |
| Net charge-offs to loans | 0.0085% | 1,888 |
| Credit loss provision to net charge-offs | 454.5455% | 683 |
| Earnings coverage of net charge-offs (x) | 191.9091% | 628 |
| Efficiency ratio | 78.8275% | 934 |
| Assets per employee ($millions) | 5.1536% | 3,453 |
| Cash dividends to net income (ytd only)* | 48.5168% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 2,561 |
| Loan loss allowance to noncurrent loans | 430.1113% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.1348% | 2,604 |
| Noncurrent loans to loans | 0.2735% | 2,173 |
| Net loans and leases to total assets | 48.7100% | 3,648 |
| Net loans and leases to deposits | 55.2870% | 3,680 |
| Net loans and leases to core deposits | 57.7352% | 3,731 |
| Total domestic deposits to total assets | 88.1100% | 1,563 |
| Equity capital to assets | 4.4760% | 4,446 |
| Core capital (leverage) ratio | 8.4940% | 4,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1785% | 1,281 |
| Memoranda: | ||
| Average total assets | $1,082,296,000 | 915 |
| Average earning assets | $1,001,417,333 | 900 |
| Average equity | $46,122,000 | 1,695 |
| Average total loans | $520,252,667 | 1,173 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8315% | 3,797 |
| Cost of funding earning assets | 0.8808% | 2,433 |
| Net interest margin | 2.9507% | 3,691 |
| Noninterest income to average assets | 0.9000% | 683 |
| Noninterest expense to average assets | 2.8519% | 1,334 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.6524% | 3,579 |
| Return on assets (ROA) | 0.6524% | 3,536 |
| Pretax return on assets | 0.7684% | 3,535 |
| Return on Equity (ROE) | 15.6800% | 1,425 |
| Retained earnings to average equity (ytd only) | 6.8632% | 2,533 |
| Net charge-offs to loans | 0.0309% | 1,087 |
| Credit loss provision to net charge-offs | 62.5000% | 1,273 |
| Earnings coverage of net charge-offs (x) | 52.9750% | 1,086 |
| Efficiency ratio | 78.5765% | 949 |
| Assets per employee ($millions) | 5.3285% | 3,382 |
| Cash dividends to net income (ytd only)* | 56.2430% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1781% | 2,672 |
| Loan loss allowance to noncurrent loans | 483.0293% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.1154% | 2,714 |
| Noncurrent loans to loans | 0.2439% | 2,275 |
| Net loans and leases to total assets | 46.7700% | 3,728 |
| Net loans and leases to deposits | 53.1975% | 3,726 |
| Net loans and leases to core deposits | 55.3817% | 3,777 |
| Total domestic deposits to total assets | 87.9200% | 1,955 |
| Equity capital to assets | 4.4921% | 4,493 |
| Core capital (leverage) ratio | 8.3982% | 4,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2515% | 1,316 |
| Memoranda: | ||
| Average total assets | $1,090,079,500 | 930 |
| Average earning assets | $1,008,163,000 | 913 |
| Average equity | $45,343,000 | 1,732 |
| Average total loans | $517,442,500 | 1,195 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4086% | 3,322 |
| Cost of funding earning assets | 0.2939% | 2,927 |
| Net interest margin | 3.1148% | 3,134 |
| Noninterest income to average assets | 0.9800% | 668 |
| Noninterest expense to average assets | 2.7697% | 1,384 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9215% | 2,879 |
| Return on assets (ROA) | 0.9215% | 2,826 |
| Pretax return on assets | 1.1107% | 2,733 |
| Return on Equity (ROE) | 19.2400% | 543 |
| Retained earnings to average equity (ytd only) | 14.6282% | 321 |
| Net charge-offs to loans | 0.0212% | 1,656 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 112.8505% | 915 |
| Efficiency ratio | 71.3774% | 1,516 |
| Assets per employee ($millions) | 5.3324% | 3,385 |
| Cash dividends to net income (ytd only)* | 23.9669% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 2,220 |
| Loan loss allowance to noncurrent loans | 500.7042% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.1175% | 2,704 |
| Noncurrent loans to loans | 0.2468% | 2,290 |
| Net loans and leases to total assets | 47.0200% | 3,734 |
| Net loans and leases to deposits | 51.6489% | 3,826 |
| Net loans and leases to core deposits | 53.2602% | 3,851 |
| Total domestic deposits to total assets | 91.0300% | 946 |
| Equity capital to assets | 3.8257% | 4,537 |
| Core capital (leverage) ratio | 8.2569% | 4,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9418% | 1,380 |
| Memoranda: | ||
| Average total assets | $1,087,192,000 | 912 |
| Average earning assets | $1,013,306,600 | 899 |
| Average equity | $52,070,800 | 1,563 |
| Average total loans | $505,204,200 | 1,171 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2993% | 3,175 |
| Cost of funding earning assets | 0.1801% | 3,517 |
| Net interest margin | 3.1192% | 2,869 |
| Noninterest income to average assets | 0.9900% | 677 |
| Noninterest expense to average assets | 2.7661% | 1,312 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9462% | 2,682 |
| Return on assets (ROA) | 0.9462% | 2,647 |
| Pretax return on assets | 1.1403% | 2,592 |
| Return on Equity (ROE) | 18.8100% | 543 |
| Retained earnings to average equity (ytd only) | 14.9045% | 372 |
| Net charge-offs to loans | 0.0093% | 1,782 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 265.6286% | 518 |
| Efficiency ratio | 70.8091% | 1,667 |
| Assets per employee ($millions) | 5.2640% | 3,449 |
| Cash dividends to net income (ytd only)* | 20.7545% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 2,317 |
| Loan loss allowance to noncurrent loans | 392.8962% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.1597% | 2,501 |
| Noncurrent loans to loans | 0.3158% | 2,113 |
| Net loans and leases to total assets | 48.4300% | 3,589 |
| Net loans and leases to deposits | 53.8409% | 3,611 |
| Net loans and leases to core deposits | 55.5514% | 3,653 |
| Total domestic deposits to total assets | 89.9500% | 1,687 |
| Equity capital to assets | 2.9593% | 4,594 |
| Core capital (leverage) ratio | 7.9280% | 4,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5521% | 1,549 |
| Memoranda: | ||
| Average total assets | $1,087,038,250 | 913 |
| Average earning assets | $1,015,756,250 | 904 |
| Average equity | $54,684,500 | 1,519 |
| Average total loans | $502,038,750 | 1,172 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1647% | 3,150 |
| Cost of funding earning assets | 0.1182% | 3,981 |
| Net interest margin | 3.0465% | 2,735 |
| Noninterest income to average assets | 1.0033% | 657 |
| Noninterest expense to average assets | 2.7026% | 1,386 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9643% | 2,295 |
| Return on assets (ROA) | 0.9643% | 2,268 |
| Pretax return on assets | 1.1582% | 2,217 |
| Return on Equity (ROE) | 16.9135% | 579 |
| Retained earnings to average equity (ytd only) | 14.6707% | 293 |
| Net charge-offs to loans | -0.0283% | 4,020 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0005% | 1,956 |
| Assets per employee ($millions) | 5.3137% | 3,418 |
| Cash dividends to net income (ytd only)* | 13.2601% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 2,285 |
| Loan loss allowance to noncurrent loans | 386.5961% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.1562% | 2,613 |
| Noncurrent loans to loans | 0.3307% | 2,153 |
| Net loans and leases to total assets | 46.6150% | 3,670 |
| Net loans and leases to deposits | 51.4398% | 3,731 |
| Net loans and leases to core deposits | 53.7509% | 3,703 |
| Total domestic deposits to total assets | 90.6204% | 1,410 |
| Equity capital to assets | 4.2912% | 4,590 |
| Core capital (leverage) ratio | 7.8250% | 4,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5884% | 1,549 |
| Memoranda: | ||
| Average total assets | $1,094,943,333 | 908 |
| Average earning assets | $1,027,006,333 | 897 |
| Average equity | $62,423,667 | 1,403 |
| Average total loans | $495,567,000 | 1,177 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0784% | 3,043 |
| Cost of funding earning assets | 0.1053% | 4,064 |
| Net interest margin | 2.9731% | 2,590 |
| Noninterest income to average assets | 1.0589% | 612 |
| Noninterest expense to average assets | 2.6877% | 1,395 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9907% | 1,912 |
| Return on assets (ROA) | 0.9907% | 1,908 |
| Pretax return on assets | 1.1700% | 1,917 |
| Return on Equity (ROE) | 15.4790% | 586 |
| Retained earnings to average equity (ytd only) | 15.4790% | 263 |
| Net charge-offs to loans | 0.0132% | 1,284 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 200.6875% | 430 |
| Efficiency ratio | 69.6704% | 2,280 |
| Assets per employee ($millions) | 5.4935% | 3,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 2,296 |
| Loan loss allowance to noncurrent loans | 340.8613% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 2,575 |
| Noncurrent loans to loans | 0.3848% | 2,107 |
| Net loans and leases to total assets | 44.6706% | 3,690 |
| Net loans and leases to deposits | 49.6013% | 3,764 |
| Net loans and leases to core deposits | 51.3060% | 3,782 |
| Total domestic deposits to total assets | 90.0593% | 1,531 |
| Equity capital to assets | 5.4276% | 4,673 |
| Core capital (leverage) ratio | 7.7919% | 4,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7376% | 1,577 |
| Memoranda: | ||
| Average total assets | $1,097,757,500 | 909 |
| Average earning assets | $1,033,394,000 | 901 |
| Average equity | $70,263,000 | 1,327 |
| Average total loans | $486,170,500 | 1,184 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2707% | 3,290 |
| Cost of funding earning assets | 0.1453% | 4,021 |
| Net interest margin | 3.1254% | 2,821 |
| Noninterest income to average assets | 1.1177% | 840 |
| Noninterest expense to average assets | 2.8859% | 1,183 |
| Loan and lease loss provision to assets | 0.0969% | 1,283 |
| Net operating income to assets | 0.8917% | 3,075 |
| Return on assets (ROA) | 0.9132% | 3,057 |
| Pretax return on assets | 1.1041% | 2,956 |
| Return on Equity (ROE) | 11.6421% | 1,932 |
| Retained earnings to average equity (ytd only) | 8.2203% | 1,454 |
| Net charge-offs to loans | 0.0751% | 1,039 |
| Credit loss provision to net charge-offs | 281.6901% | 1,100 |
| Earnings coverage of net charge-offs (x) | 34.1465% | 1,522 |
| Efficiency ratio | 71.0651% | 1,606 |
| Assets per employee ($millions) | 5.6241% | 3,141 |
| Cash dividends to net income (ytd only)* | 29.3918% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 2,084 |
| Loan loss allowance to noncurrent loans | 331.9388% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.1778% | 2,695 |
| Noncurrent loans to loans | 0.4105% | 2,130 |
| Net loans and leases to total assets | 42.7288% | 3,932 |
| Net loans and leases to deposits | 48.6116% | 3,962 |
| Net loans and leases to core deposits | 50.4659% | 3,993 |
| Total domestic deposits to total assets | 87.8984% | 2,102 |
| Equity capital to assets | 7.3656% | 4,634 |
| Core capital (leverage) ratio | 7.8769% | 4,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0227% | 1,502 |
| Memoranda: | ||
| Average total assets | $1,031,621,600 | 938 |
| Average earning assets | $971,531,400 | 928 |
| Average equity | $80,922,000 | 1,201 |
| Average total loans | $472,616,800 | 1,212 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3258% | 3,320 |
| Cost of funding earning assets | 0.1567% | 4,049 |
| Net interest margin | 3.1691% | 2,833 |
| Noninterest income to average assets | 1.1319% | 888 |
| Noninterest expense to average assets | 2.9011% | 1,126 |
| Loan and lease loss provision to assets | 0.1183% | 1,003 |
| Net operating income to assets | 0.9048% | 3,231 |
| Return on assets (ROA) | 0.9268% | 3,235 |
| Pretax return on assets | 1.1201% | 3,155 |
| Return on Equity (ROE) | 11.6222% | 2,170 |
| Retained earnings to average equity (ytd only) | 7.8790% | 2,098 |
| Net charge-offs to loans | 0.0928% | 780 |
| Credit loss provision to net charge-offs | 274.3902% | 1,046 |
| Earnings coverage of net charge-offs (x) | 28.1006% | 1,559 |
| Efficiency ratio | 70.5329% | 1,548 |
| Assets per employee ($millions) | 5.3204% | 3,389 |
| Cash dividends to net income (ytd only)* | 32.2077% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3740% | 2,130 |
| Loan loss allowance to noncurrent loans | 263.6475% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 2,594 |
| Noncurrent loans to loans | 0.5212% | 1,997 |
| Net loans and leases to total assets | 44.7368% | 3,886 |
| Net loans and leases to deposits | 51.2585% | 3,935 |
| Net loans and leases to core deposits | 53.0856% | 3,973 |
| Total domestic deposits to total assets | 87.2769% | 2,227 |
| Equity capital to assets | 7.9681% | 4,537 |
| Core capital (leverage) ratio | 7.9137% | 4,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0371% | 1,601 |
| Memoranda: | ||
| Average total assets | $1,013,947,750 | 965 |
| Average earning assets | $953,800,750 | 955 |
| Average equity | $80,854,500 | 1,217 |
| Average total loans | $471,392,750 | 1,237 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2645% | 3,529 |
| Cost of funding earning assets | 0.1682% | 4,056 |
| Net interest margin | 3.0963% | 3,048 |
| Noninterest income to average assets | 1.1345% | 882 |
| Noninterest expense to average assets | 2.8712% | 1,205 |
| Loan and lease loss provision to assets | 0.1191% | 1,058 |
| Net operating income to assets | 0.8704% | 3,304 |
| Return on assets (ROA) | 0.8997% | 3,300 |
| Pretax return on assets | 1.0904% | 3,250 |
| Return on Equity (ROE) | 11.2798% | 2,307 |
| Retained earnings to average equity (ytd only) | 8.5681% | 1,867 |
| Net charge-offs to loans | 0.0999% | 739 |
| Credit loss provision to net charge-offs | 254.2373% | 957 |
| Earnings coverage of net charge-offs (x) | 25.0720% | 1,418 |
| Efficiency ratio | 70.9752% | 1,529 |
| Assets per employee ($millions) | 5.2793% | 3,375 |
| Cash dividends to net income (ytd only)* | 24.0406% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3430% | 2,229 |
| Loan loss allowance to noncurrent loans | 278.6034% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2181% | 2,845 |
| Noncurrent loans to loans | 0.4821% | 2,229 |
| Net loans and leases to total assets | 44.6409% | 3,996 |
| Net loans and leases to deposits | 51.3666% | 4,028 |
| Net loans and leases to core deposits | 53.2221% | 4,064 |
| Total domestic deposits to total assets | 86.9064% | 2,377 |
| Equity capital to assets | 7.9251% | 4,572 |
| Core capital (leverage) ratio | 7.7922% | 4,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3733% | 1,513 |
| Memoranda: | ||
| Average total assets | $1,007,880,333 | 959 |
| Average earning assets | $947,523,667 | 946 |
| Average equity | $80,391,667 | 1,211 |
| Average total loans | $472,462,333 | 1,238 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2082% | 3,671 |
| Cost of funding earning assets | 0.1786% | 4,092 |
| Net interest margin | 3.0296% | 3,182 |
| Noninterest income to average assets | 1.1019% | 980 |
| Noninterest expense to average assets | 2.8584% | 1,239 |
| Loan and lease loss provision to assets | 0.1200% | 1,145 |
| Net operating income to assets | 0.7905% | 3,455 |
| Return on assets (ROA) | 0.8722% | 3,286 |
| Pretax return on assets | 1.0663% | 3,202 |
| Return on Equity (ROE) | 10.8995% | 2,394 |
| Retained earnings to average equity (ytd only) | 10.8995% | 1,426 |
| Net charge-offs to loans | 0.1099% | 640 |
| Credit loss provision to net charge-offs | 229.0076% | 846 |
| Earnings coverage of net charge-offs (x) | 20.7328% | 1,241 |
| Efficiency ratio | 72.4544% | 1,454 |
| Assets per employee ($millions) | 5.3057% | 3,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 2,526 |
| Loan loss allowance to noncurrent loans | 250.3738% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2352% | 2,966 |
| Noncurrent loans to loans | 0.5110% | 2,328 |
| Net loans and leases to total assets | 45.4261% | 4,008 |
| Net loans and leases to deposits | 52.2527% | 4,032 |
| Net loans and leases to core deposits | 54.0490% | 4,092 |
| Total domestic deposits to total assets | 86.9354% | 2,338 |
| Equity capital to assets | 7.7113% | 4,629 |
| Core capital (leverage) ratio | 8.0863% | 4,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3196% | 1,471 |
| Memoranda: | ||
| Average total assets | $999,729,500 | 955 |
| Average earning assets | $938,209,500 | 946 |
| Average equity | $80,004,000 | 1,211 |
| Average total loans | $476,979,500 | 1,226 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9006% | 3,025 |
| Cost of funding earning assets | 0.3046% | 4,112 |
| Net interest margin | 3.5960% | 2,154 |
| Noninterest income to average assets | 1.1650% | 806 |
| Noninterest expense to average assets | 3.2325% | 1,001 |
| Loan and lease loss provision to assets | 0.2273% | 1,716 |
| Net operating income to assets | 0.8474% | 2,907 |
| Return on assets (ROA) | 0.9413% | 2,666 |
| Pretax return on assets | 1.1740% | 2,424 |
| Return on Equity (ROE) | 10.5783% | 1,784 |
| Retained earnings to average equity (ytd only) | 6.9505% | 1,416 |
| Net charge-offs to loans | 0.0862% | 1,601 |
| Credit loss provision to net charge-offs | 477.0531% | 1,297 |
| Earnings coverage of net charge-offs (x) | 26.9469% | 1,699 |
| Efficiency ratio | 71.5720% | 1,738 |
| Assets per employee ($millions) | 4.9769% | 3,417 |
| Cash dividends to net income (ytd only)* | 34.2951% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 2,868 |
| Loan loss allowance to noncurrent loans | 268.4379% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 3,165 |
| Noncurrent loans to loans | 0.4522% | 2,616 |
| Net loans and leases to total assets | 48.8905% | 3,914 |
| Net loans and leases to deposits | 56.5213% | 3,967 |
| Net loans and leases to core deposits | 58.1656% | 4,041 |
| Total domestic deposits to total assets | 86.4992% | 2,151 |
| Equity capital to assets | 8.3084% | 4,568 |
| Core capital (leverage) ratio | 8.4030% | 4,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1396% | 1,480 |
| Memoranda: | ||
| Average total assets | $868,892,000 | 994 |
| Average earning assets | $809,794,400 | 994 |
| Average equity | $77,318,400 | 1,190 |
| Average total loans | $480,277,400 | 1,181 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9572% | 3,093 |
| Cost of funding earning assets | 0.3404% | 4,104 |
| Net interest margin | 3.6168% | 2,219 |
| Noninterest income to average assets | 1.1604% | 781 |
| Noninterest expense to average assets | 3.2826% | 933 |
| Loan and lease loss provision to assets | 0.2176% | 1,844 |
| Net operating income to assets | 0.8189% | 3,021 |
| Return on assets (ROA) | 0.9481% | 2,664 |
| Pretax return on assets | 1.1890% | 2,426 |
| Return on Equity (ROE) | 10.4536% | 1,856 |
| Retained earnings to average equity (ytd only) | 6.6537% | 1,832 |
| Net charge-offs to loans | 0.0764% | 1,548 |
| Credit loss provision to net charge-offs | 500.0000% | 1,276 |
| Earnings coverage of net charge-offs (x) | 28.6036% | 1,629 |
| Efficiency ratio | 72.4984% | 1,583 |
| Assets per employee ($millions) | 4.6223% | 3,697 |
| Cash dividends to net income (ytd only)* | 36.3500% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 3,389 |
| Loan loss allowance to noncurrent loans | 210.7338% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 3,006 |
| Noncurrent loans to loans | 0.5053% | 2,535 |
| Net loans and leases to total assets | 56.5283% | 3,576 |
| Net loans and leases to deposits | 66.3078% | 3,595 |
| Net loans and leases to core deposits | 69.2462% | 3,683 |
| Total domestic deposits to total assets | 85.2514% | 2,335 |
| Equity capital to assets | 8.9323% | 4,160 |
| Core capital (leverage) ratio | 8.4575% | 4,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0889% | 1,479 |
| Memoranda: | ||
| Average total assets | $842,249,250 | 1,003 |
| Average earning assets | $784,179,750 | 1,002 |
| Average equity | $76,386,750 | 1,198 |
| Average total loans | $479,654,500 | 1,175 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0196% | 3,277 |
| Cost of funding earning assets | 0.3860% | 4,103 |
| Net interest margin | 3.6336% | 2,365 |
| Noninterest income to average assets | 1.1391% | 771 |
| Noninterest expense to average assets | 3.2675% | 1,045 |
| Loan and lease loss provision to assets | 0.1874% | 2,149 |
| Net operating income to assets | 0.8761% | 2,788 |
| Return on assets (ROA) | 0.9568% | 2,597 |
| Pretax return on assets | 1.1606% | 2,497 |
| Return on Equity (ROE) | 10.4925% | 1,811 |
| Retained earnings to average equity (ytd only) | 6.3454% | 1,923 |
| Net charge-offs to loans | 0.1050% | 1,233 |
| Credit loss provision to net charge-offs | 313.7652% | 1,584 |
| Earnings coverage of net charge-offs (x) | 20.9231% | 1,673 |
| Efficiency ratio | 72.3370% | 1,636 |
| Assets per employee ($millions) | 4.4868% | 3,804 |
| Cash dividends to net income (ytd only)* | 39.5249% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9609% | 3,752 |
| Loan loss allowance to noncurrent loans | 194.7156% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.2893% | 3,163 |
| Noncurrent loans to loans | 0.4935% | 2,674 |
| Net loans and leases to total assets | 56.0019% | 3,685 |
| Net loans and leases to deposits | 65.5175% | 3,759 |
| Net loans and leases to core deposits | 68.5061% | 3,829 |
| Total domestic deposits to total assets | 85.4762% | 2,217 |
| Equity capital to assets | 8.8117% | 4,253 |
| Core capital (leverage) ratio | 8.5570% | 4,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1475% | 1,219 |
| Memoranda: | ||
| Average total assets | $827,173,333 | 1,004 |
| Average earning assets | $768,983,667 | 1,000 |
| Average equity | $75,425,000 | 1,200 |
| Average total loans | $470,514,333 | 1,176 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2292% | 3,123 |
| Cost of funding earning assets | 0.4598% | 4,115 |
| Net interest margin | 3.7694% | 2,088 |
| Noninterest income to average assets | 1.1098% | 700 |
| Noninterest expense to average assets | 3.3674% | 1,114 |
| Loan and lease loss provision to assets | 0.1130% | 2,273 |
| Net operating income to assets | 0.9282% | 2,424 |
| Return on assets (ROA) | 0.9340% | 2,514 |
| Pretax return on assets | 1.1273% | 2,434 |
| Return on Equity (ROE) | 10.0545% | 1,731 |
| Retained earnings to average equity (ytd only) | 4.9948% | 2,281 |
| Net charge-offs to loans | 0.0985% | 1,090 |
| Credit loss provision to net charge-offs | 200.8929% | 1,415 |
| Earnings coverage of net charge-offs (x) | 21.9286% | 1,376 |
| Efficiency ratio | 73.1936% | 1,916 |
| Assets per employee ($millions) | 3.9664% | 3,958 |
| Cash dividends to net income (ytd only)* | 50.3226% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9585% | 3,897 |
| Loan loss allowance to noncurrent loans | 170.9028% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.3352% | 3,100 |
| Noncurrent loans to loans | 0.5608% | 2,597 |
| Net loans and leases to total assets | 57.1714% | 3,740 |
| Net loans and leases to deposits | 66.8758% | 3,804 |
| Net loans and leases to core deposits | 70.5987% | 3,844 |
| Total domestic deposits to total assets | 85.4889% | 2,218 |
| Equity capital to assets | 9.4803% | 4,237 |
| Core capital (leverage) ratio | 9.1725% | 4,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9672% | 1,609 |
| Memoranda: | ||
| Average total assets | $796,568,500 | 1,008 |
| Average earning assets | $737,729,000 | 1,001 |
| Average equity | $73,996,500 | 1,216 |
| Average total loans | $454,602,500 | 1,177 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3349% | 3,440 |
| Cost of funding earning assets | 0.4914% | 4,131 |
| Net interest margin | 3.8435% | 2,362 |
| Noninterest income to average assets | 1.1726% | 685 |
| Noninterest expense to average assets | 3.4826% | 985 |
| Loan and lease loss provision to assets | 0.0821% | 2,363 |
| Net operating income to assets | 0.9435% | 3,046 |
| Return on assets (ROA) | 0.9357% | 3,150 |
| Pretax return on assets | 1.1441% | 3,033 |
| Return on Equity (ROE) | 10.2716% | 2,171 |
| Retained earnings to average equity (ytd only) | 4.1329% | 2,898 |
| Net charge-offs to loans | 0.1106% | 1,622 |
| Credit loss provision to net charge-offs | 128.6008% | 1,984 |
| Earnings coverage of net charge-offs (x) | 19.3539% | 2,003 |
| Efficiency ratio | 73.8111% | 1,629 |
| Assets per employee ($millions) | 4.0197% | 3,876 |
| Cash dividends to net income (ytd only)* | 59.7641% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9575% | 3,711 |
| Loan loss allowance to noncurrent loans | 432.0603% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.1489% | 3,889 |
| Noncurrent loans to loans | 0.2216% | 3,655 |
| Net loans and leases to total assets | 55.8742% | 3,928 |
| Net loans and leases to deposits | 64.8722% | 4,015 |
| Net loans and leases to core deposits | 68.1465% | 4,073 |
| Total domestic deposits to total assets | 86.1298% | 2,021 |
| Equity capital to assets | 9.0982% | 4,638 |
| Core capital (leverage) ratio | 9.3670% | 4,204 |
| Tier 1 risk-based capital ratio | 15.1342% | 2,727 |
| Total risk-based capital ratio | 16.0491% | 2,794 |
| Memoranda: | ||
| Average total assets | $761,209,400 | 1,016 |
| Average earning assets | $702,224,400 | 1,010 |
| Average equity | $69,346,400 | 1,228 |
| Average total loans | $439,320,800 | 1,182 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3610% | 3,479 |
| Cost of funding earning assets | 0.5084% | 4,108 |
| Net interest margin | 3.8525% | 2,421 |
| Noninterest income to average assets | 1.1596% | 681 |
| Noninterest expense to average assets | 3.5070% | 941 |
| Loan and lease loss provision to assets | 0.0753% | 2,382 |
| Net operating income to assets | 0.9193% | 3,273 |
| Return on assets (ROA) | 0.9108% | 3,388 |
| Pretax return on assets | 1.1190% | 3,244 |
| Return on Equity (ROE) | 9.9949% | 2,432 |
| Retained earnings to average equity (ytd only) | 4.0983% | 3,348 |
| Net charge-offs to loans | 0.1059% | 1,405 |
| Credit loss provision to net charge-offs | 122.4784% | 1,926 |
| Earnings coverage of net charge-offs (x) | 19.5963% | 1,992 |
| Efficiency ratio | 74.4303% | 1,503 |
| Assets per employee ($millions) | 3.7406% | 4,232 |
| Cash dividends to net income (ytd only)* | 58.9963% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9541% | 3,808 |
| Loan loss allowance to noncurrent loans | 421.2724% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 3,948 |
| Noncurrent loans to loans | 0.2265% | 3,735 |
| Net loans and leases to total assets | 58.8086% | 3,795 |
| Net loans and leases to deposits | 68.9432% | 3,843 |
| Net loans and leases to core deposits | 72.3766% | 3,923 |
| Total domestic deposits to total assets | 85.3001% | 2,295 |
| Equity capital to assets | 9.5880% | 4,401 |
| Core capital (leverage) ratio | 9.4748% | 4,191 |
| Tier 1 risk-based capital ratio | 15.3899% | 2,675 |
| Total risk-based capital ratio | 16.3169% | 2,747 |
| Memoranda: | ||
| Average total assets | $752,539,000 | 1,025 |
| Average earning assets | $693,865,000 | 1,016 |
| Average equity | $68,580,000 | 1,238 |
| Average total loans | $436,901,750 | 1,195 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3110% | 3,606 |
| Cost of funding earning assets | 0.5157% | 4,054 |
| Net interest margin | 3.7953% | 2,595 |
| Noninterest income to average assets | 1.1249% | 670 |
| Noninterest expense to average assets | 3.4716% | 989 |
| Loan and lease loss provision to assets | 0.0663% | 2,491 |
| Net operating income to assets | 0.8866% | 3,335 |
| Return on assets (ROA) | 0.8644% | 3,481 |
| Pretax return on assets | 1.0634% | 3,342 |
| Return on Equity (ROE) | 9.6520% | 2,557 |
| Retained earnings to average equity (ytd only) | 3.8620% | 3,316 |
| Net charge-offs to loans | 0.0861% | 1,503 |
| Credit loss provision to net charge-offs | 133.6898% | 1,628 |
| Earnings coverage of net charge-offs (x) | 23.3262% | 1,655 |
| Efficiency ratio | 75.0029% | 1,516 |
| Assets per employee ($millions) | 3.6916% | 4,256 |
| Cash dividends to net income (ytd only)* | 59.9877% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9567% | 3,852 |
| Loan loss allowance to noncurrent loans | 308.6988% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.1909% | 3,818 |
| Noncurrent loans to loans | 0.3099% | 3,433 |
| Net loans and leases to total assets | 58.0550% | 3,908 |
| Net loans and leases to deposits | 68.1291% | 3,963 |
| Net loans and leases to core deposits | 71.4617% | 4,035 |
| Total domestic deposits to total assets | 85.2133% | 2,383 |
| Equity capital to assets | 9.3231% | 4,556 |
| Core capital (leverage) ratio | 9.3278% | 4,337 |
| Tier 1 risk-based capital ratio | 15.2045% | 2,749 |
| Total risk-based capital ratio | 16.1277% | 2,808 |
| Memoranda: | ||
| Average total assets | $754,014,670 | 1,026 |
| Average earning assets | $696,077,670 | 1,016 |
| Average equity | $67,530,330 | 1,244 |
| Average total loans | $434,471,670 | 1,198 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2461% | 3,719 |
| Cost of funding earning assets | 0.5113% | 4,010 |
| Net interest margin | 3.7348% | 2,766 |
| Noninterest income to average assets | 1.0566% | 719 |
| Noninterest expense to average assets | 3.4010% | 1,106 |
| Loan and lease loss provision to assets | 0.0530% | 2,602 |
| Net operating income to assets | 0.8556% | 3,427 |
| Return on assets (ROA) | 0.8043% | 3,645 |
| Pretax return on assets | 0.9829% | 3,500 |
| Return on Equity (ROE) | 9.1676% | 2,722 |
| Retained earnings to average equity (ytd only) | 3.5172% | 3,508 |
| Net charge-offs to loans | 0.0835% | 1,263 |
| Credit loss provision to net charge-offs | 111.1111% | 1,486 |
| Earnings coverage of net charge-offs (x) | 23.0222% | 1,479 |
| Efficiency ratio | 75.5862% | 1,547 |
| Assets per employee ($millions) | 3.8121% | 4,173 |
| Cash dividends to net income (ytd only)* | 61.6348% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9612% | 3,923 |
| Loan loss allowance to noncurrent loans | 309.1920% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.1919% | 3,859 |
| Noncurrent loans to loans | 0.3109% | 3,451 |
| Net loans and leases to total assets | 56.6535% | 4,007 |
| Net loans and leases to deposits | 65.5112% | 4,093 |
| Net loans and leases to core deposits | 68.8020% | 4,142 |
| Total domestic deposits to total assets | 86.4792% | 2,084 |
| Equity capital to assets | 8.8472% | 4,783 |
| Core capital (leverage) ratio | 9.2489% | 4,411 |
| Tier 1 risk-based capital ratio | 15.4811% | 2,661 |
| Total risk-based capital ratio | 16.4192% | 2,717 |
| Memoranda: | ||
| Average total assets | $754,475,000 | 1,024 |
| Average earning assets | $695,511,500 | 1,019 |
| Average equity | $66,189,500 | 1,262 |
| Average total loans | $430,991,500 | 1,210 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1355% | 3,636 |
| Cost of funding earning assets | 0.3288% | 4,418 |
| Net interest margin | 3.8067% | 2,638 |
| Noninterest income to average assets | 1.0608% | 831 |
| Noninterest expense to average assets | 3.5151% | 977 |
| Loan and lease loss provision to assets | 0.0688% | 2,763 |
| Net operating income to assets | 0.7942% | 3,827 |
| Return on assets (ROA) | 0.7942% | 3,831 |
| Pretax return on assets | 0.9764% | 3,682 |
| Return on Equity (ROE) | 9.1069% | 2,942 |
| Retained earnings to average equity (ytd only) | 4.5606% | 3,014 |
| Net charge-offs to loans | 0.0778% | 2,013 |
| Credit loss provision to net charge-offs | 152.4390% | 1,804 |
| Earnings coverage of net charge-offs (x) | 23.1616% | 1,864 |
| Efficiency ratio | 77.0816% | 1,223 |
| Assets per employee ($millions) | 3.7517% | 4,247 |
| Cash dividends to net income (ytd only)* | 49.9221% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 3,852 |
| Loan loss allowance to noncurrent loans | 573.7931% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.1165% | 4,246 |
| Noncurrent loans to loans | 0.1694% | 3,991 |
| Net loans and leases to total assets | 56.4908% | 4,094 |
| Net loans and leases to deposits | 65.0102% | 4,186 |
| Net loans and leases to core deposits | 68.1028% | 4,230 |
| Total domestic deposits to total assets | 86.8952% | 1,830 |
| Equity capital to assets | 8.6978% | 4,803 |
| Core capital (leverage) ratio | 9.4560% | 4,167 |
| Tier 1 risk-based capital ratio | 15.5442% | 2,595 |
| Total risk-based capital ratio | 16.4917% | 2,661 |
| Memoranda: | ||
| Average total assets | $726,888,000 | 1,020 |
| Average earning assets | $668,213,000 | 1,028 |
| Average equity | $63,391,400 | 1,261 |
| Average total loans | $421,633,800 | 1,201 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1117% | 3,596 |
| Cost of funding earning assets | 0.2959% | 4,550 |
| Net interest margin | 3.8158% | 2,587 |
| Noninterest income to average assets | 1.0681% | 833 |
| Noninterest expense to average assets | 3.5273% | 949 |
| Loan and lease loss provision to assets | 0.0786% | 2,382 |
| Net operating income to assets | 0.7905% | 3,938 |
| Return on assets (ROA) | 0.7905% | 3,951 |
| Pretax return on assets | 0.9704% | 3,817 |
| Return on Equity (ROE) | 9.0584% | 3,052 |
| Retained earnings to average equity (ytd only) | 4.5281% | 3,485 |
| Net charge-offs to loans | 0.0927% | 1,573 |
| Credit loss provision to net charge-offs | 145.5479% | 1,755 |
| Earnings coverage of net charge-offs (x) | 19.4283% | 2,005 |
| Efficiency ratio | 77.0769% | 1,217 |
| Assets per employee ($millions) | 3.5684% | 4,467 |
| Cash dividends to net income (ytd only)* | 50.0118% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9694% | 3,941 |
| Loan loss allowance to noncurrent loans | 509.3943% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.1782% | 4,059 |
| Noncurrent loans to loans | 0.1903% | 4,030 |
| Net loans and leases to total assets | 58.9867% | 3,950 |
| Net loans and leases to deposits | 68.4482% | 4,029 |
| Net loans and leases to core deposits | 70.5399% | 4,152 |
| Total domestic deposits to total assets | 86.1772% | 2,109 |
| Equity capital to assets | 8.8347% | 4,687 |
| Core capital (leverage) ratio | 9.4410% | 4,241 |
| Tier 1 risk-based capital ratio | 15.5045% | 2,655 |
| Total risk-based capital ratio | 16.4511% | 2,711 |
| Memoranda: | ||
| Average total assets | $721,026,250 | 1,030 |
| Average earning assets | $662,907,750 | 1,036 |
| Average equity | $62,923,500 | 1,270 |
| Average total loans | $420,034,750 | 1,209 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0609% | 3,579 |
| Cost of funding earning assets | 0.2786% | 4,571 |
| Net interest margin | 3.7823% | 2,628 |
| Noninterest income to average assets | 1.0455% | 883 |
| Noninterest expense to average assets | 3.4752% | 1,030 |
| Loan and lease loss provision to assets | 0.0829% | 2,257 |
| Net operating income to assets | 0.7870% | 3,896 |
| Return on assets (ROA) | 0.7870% | 3,897 |
| Pretax return on assets | 0.9626% | 3,766 |
| Return on Equity (ROE) | 9.0552% | 2,991 |
| Retained earnings to average equity (ytd only) | 4.6055% | 3,284 |
| Net charge-offs to loans | 0.1257% | 1,175 |
| Credit loss provision to net charge-offs | 114.0684% | 1,849 |
| Earnings coverage of net charge-offs (x) | 14.3802% | 2,103 |
| Efficiency ratio | 76.8727% | 1,331 |
| Assets per employee ($millions) | 3.6173% | 4,445 |
| Cash dividends to net income (ytd only)* | 49.1394% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9581% | 4,072 |
| Loan loss allowance to noncurrent loans | 486.6989% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1954% | 4,011 |
| Noncurrent loans to loans | 0.1969% | 4,019 |
| Net loans and leases to total assets | 57.5095% | 4,037 |
| Net loans and leases to deposits | 66.8397% | 4,116 |
| Net loans and leases to core deposits | 68.9045% | 4,207 |
| Total domestic deposits to total assets | 86.0410% | 2,258 |
| Equity capital to assets | 8.6825% | 4,816 |
| Core capital (leverage) ratio | 9.3106% | 4,349 |
| Tier 1 risk-based capital ratio | 15.4640% | 2,654 |
| Total risk-based capital ratio | 16.3957% | 2,726 |
| Memoranda: | ||
| Average total assets | $723,477,000 | 1,032 |
| Average earning assets | $664,735,330 | 1,041 |
| Average equity | $62,881,000 | 1,274 |
| Average total loans | $418,348,330 | 1,212 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0093% | 3,576 |
| Cost of funding earning assets | 0.2567% | 4,668 |
| Net interest margin | 3.7526% | 2,605 |
| Noninterest income to average assets | 0.9913% | 926 |
| Noninterest expense to average assets | 3.4505% | 1,083 |
| Loan and lease loss provision to assets | 0.0829% | 2,135 |
| Net operating income to assets | 0.7420% | 3,935 |
| Return on assets (ROA) | 0.7420% | 3,938 |
| Pretax return on assets | 0.9084% | 3,820 |
| Return on Equity (ROE) | 8.4185% | 3,182 |
| Retained earnings to average equity (ytd only) | 4.3347% | 3,453 |
| Net charge-offs to loans | 0.1207% | 1,062 |
| Credit loss provision to net charge-offs | 119.0476% | 1,384 |
| Earnings coverage of net charge-offs (x) | 14.2302% | 1,720 |
| Efficiency ratio | 77.6824% | 1,383 |
| Assets per employee ($millions) | 3.7128% | 4,400 |
| Cash dividends to net income (ytd only)* | 48.5097% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9532% | 4,202 |
| Loan loss allowance to noncurrent loans | 287.1868% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.2894% | 3,703 |
| Noncurrent loans to loans | 0.3319% | 3,579 |
| Net loans and leases to total assets | 57.2898% | 4,010 |
| Net loans and leases to deposits | 66.2031% | 4,074 |
| Net loans and leases to core deposits | 68.4880% | 4,188 |
| Total domestic deposits to total assets | 86.5364% | 2,298 |
| Equity capital to assets | 8.7097% | 4,818 |
| Core capital (leverage) ratio | 9.3244% | 4,287 |
| Tier 1 risk-based capital ratio | 15.5476% | 2,646 |
| Total risk-based capital ratio | 16.4800% | 2,712 |
| Memoranda: | ||
| Average total assets | $723,486,000 | 1,041 |
| Average earning assets | $665,250,500 | 1,049 |
| Average equity | $63,764,500 | 1,260 |
| Average total loans | $417,481,000 | 1,221 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0026% | 3,399 |
| Cost of funding earning assets | 0.2017% | 4,941 |
| Net interest margin | 3.8009% | 2,423 |
| Noninterest income to average assets | 1.1545% | 766 |
| Noninterest expense to average assets | 3.5537% | 954 |
| Loan and lease loss provision to assets | 0.0642% | 2,936 |
| Net operating income to assets | 0.4300% | 4,588 |
| Return on assets (ROA) | 0.4320% | 4,608 |
| Pretax return on assets | 1.0115% | 3,520 |
| Return on Equity (ROE) | 4.7025% | 4,288 |
| Retained earnings to average equity (ytd only) | 1.3238% | 4,487 |
| Net charge-offs to loans | 0.1709% | 1,442 |
| Credit loss provision to net charge-offs | 64.0114% | 3,175 |
| Earnings coverage of net charge-offs (x) | 10.7013% | 2,648 |
| Efficiency ratio | 76.8159% | 1,510 |
| Assets per employee ($millions) | 3.7075% | 4,421 |
| Cash dividends to net income (ytd only)* | 71.8482% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 4,150 |
| Loan loss allowance to noncurrent loans | 256.4630% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 3,602 |
| Noncurrent loans to loans | 0.3756% | 3,411 |
| Net loans and leases to total assets | 57.0110% | 4,111 |
| Net loans and leases to deposits | 65.8307% | 4,201 |
| Net loans and leases to core deposits | 67.9666% | 4,297 |
| Total domestic deposits to total assets | 86.6024% | 2,187 |
| Equity capital to assets | 8.9186% | 4,800 |
| Core capital (leverage) ratio | 9.4602% | 4,096 |
| Tier 1 risk-based capital ratio | 15.5004% | 2,630 |
| Total risk-based capital ratio | 16.4340% | 2,689 |
| Memoranda: | ||
| Average total assets | $701,405,200 | 1,043 |
| Average earning assets | $640,659,200 | 1,050 |
| Average equity | $64,433,800 | 1,230 |
| Average total loans | $411,338,000 | 1,207 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0043% | 3,342 |
| Cost of funding earning assets | 0.1991% | 4,984 |
| Net interest margin | 3.8052% | 2,378 |
| Noninterest income to average assets | 1.1727% | 745 |
| Noninterest expense to average assets | 3.6094% | 863 |
| Loan and lease loss provision to assets | 0.0861% | 2,370 |
| Net operating income to assets | 0.7045% | 3,956 |
| Return on assets (ROA) | 0.7065% | 4,009 |
| Pretax return on assets | 0.9541% | 3,848 |
| Return on Equity (ROE) | 7.6333% | 3,330 |
| Retained earnings to average equity (ytd only) | 3.1335% | 4,045 |
| Net charge-offs to loans | 0.2029% | 1,049 |
| Credit loss provision to net charge-offs | 72.0000% | 2,679 |
| Earnings coverage of net charge-offs (x) | 8.6768% | 2,750 |
| Efficiency ratio | 77.6739% | 1,371 |
| Assets per employee ($millions) | 3.5540% | 4,647 |
| Cash dividends to net income (ytd only)* | 58.9492% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9900% | 4,119 |
| Loan loss allowance to noncurrent loans | 247.1733% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.4146% | 3,366 |
| Noncurrent loans to loans | 0.4005% | 3,510 |
| Net loans and leases to total assets | 58.3745% | 4,023 |
| Net loans and leases to deposits | 67.9982% | 4,112 |
| Net loans and leases to core deposits | 69.9634% | 4,242 |
| Total domestic deposits to total assets | 85.8472% | 2,371 |
| Equity capital to assets | 9.4237% | 4,518 |
| Core capital (leverage) ratio | 9.5991% | 4,036 |
| Tier 1 risk-based capital ratio | 15.8055% | 2,581 |
| Total risk-based capital ratio | 16.7708% | 2,648 |
| Memoranda: | ||
| Average total assets | $696,940,750 | 1,054 |
| Average earning assets | $636,299,250 | 1,062 |
| Average equity | $64,505,250 | 1,238 |
| Average total loans | $410,660,750 | 1,222 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9810% | 3,276 |
| Cost of funding earning assets | 0.1957% | 5,027 |
| Net interest margin | 3.7853% | 2,342 |
| Noninterest income to average assets | 1.1798% | 727 |
| Noninterest expense to average assets | 3.6086% | 863 |
| Loan and lease loss provision to assets | 0.1148% | 1,792 |
| Net operating income to assets | 0.6820% | 3,925 |
| Return on assets (ROA) | 0.6820% | 3,993 |
| Pretax return on assets | 0.9084% | 3,904 |
| Return on Equity (ROE) | 7.4135% | 3,335 |
| Retained earnings to average equity (ytd only) | 3.0908% | 3,874 |
| Net charge-offs to loans | 0.2990% | 679 |
| Credit loss provision to net charge-offs | 65.1466% | 2,422 |
| Earnings coverage of net charge-offs (x) | 5.8078% | 2,778 |
| Efficiency ratio | 77.9099% | 1,474 |
| Assets per employee ($millions) | 3.5499% | 4,646 |
| Cash dividends to net income (ytd only)* | 58.3088% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9762% | 4,289 |
| Loan loss allowance to noncurrent loans | 214.2021% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.4937% | 3,110 |
| Noncurrent loans to loans | 0.4557% | 3,378 |
| Net loans and leases to total assets | 58.7093% | 3,952 |
| Net loans and leases to deposits | 68.4064% | 4,031 |
| Net loans and leases to core deposits | 70.6610% | 4,184 |
| Total domestic deposits to total assets | 85.8243% | 2,461 |
| Equity capital to assets | 9.3737% | 4,545 |
| Core capital (leverage) ratio | 9.5789% | 4,043 |
| Tier 1 risk-based capital ratio | 15.5340% | 2,690 |
| Total risk-based capital ratio | 16.4811% | 2,762 |
| Memoranda: | ||
| Average total assets | $697,062,330 | 1,052 |
| Average earning assets | $635,673,000 | 1,065 |
| Average equity | $64,126,000 | 1,241 |
| Average total loans | $410,651,330 | 1,223 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9433% | 3,230 |
| Cost of funding earning assets | 0.1886% | 5,081 |
| Net interest margin | 3.7547% | 2,285 |
| Noninterest income to average assets | 1.2561% | 653 |
| Noninterest expense to average assets | 3.6944% | 785 |
| Loan and lease loss provision to assets | 0.1433% | 1,305 |
| Net operating income to assets | 0.6656% | 3,851 |
| Return on assets (ROA) | 0.6656% | 3,892 |
| Pretax return on assets | 0.8433% | 3,960 |
| Return on Equity (ROE) | 7.3044% | 3,264 |
| Retained earnings to average equity (ytd only) | 3.4288% | 3,729 |
| Net charge-offs to loans | 0.4911% | 376 |
| Credit loss provision to net charge-offs | 49.7018% | 1,989 |
| Earnings coverage of net charge-offs (x) | 3.4215% | 2,486 |
| Efficiency ratio | 78.9222% | 1,501 |
| Assets per employee ($millions) | 3.6782% | 4,544 |
| Cash dividends to net income (ytd only)* | 53.0577% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 4,417 |
| Loan loss allowance to noncurrent loans | 262.8873% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.4780% | 3,303 |
| Noncurrent loans to loans | 0.3709% | 3,766 |
| Net loans and leases to total assets | 58.2590% | 3,949 |
| Net loans and leases to deposits | 67.6083% | 4,027 |
| Net loans and leases to core deposits | 69.5277% | 4,182 |
| Total domestic deposits to total assets | 86.1713% | 2,596 |
| Equity capital to assets | 9.2143% | 4,602 |
| Core capital (leverage) ratio | 9.5644% | 4,041 |
| Tier 1 risk-based capital ratio | 15.6796% | 2,670 |
| Total risk-based capital ratio | 16.6328% | 2,735 |
| Memoranda: | ||
| Average total assets | $697,701,500 | 1,056 |
| Average earning assets | $636,423,500 | 1,065 |
| Average equity | $63,578,500 | 1,251 |
| Average total loans | $409,718,500 | 1,223 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1323% | 2,729 |
| Cost of funding earning assets | 0.2074% | 4,944 |
| Net interest margin | 3.9249% | 1,881 |
| Noninterest income to average assets | 1.1705% | 828 |
| Noninterest expense to average assets | 3.6140% | 996 |
| Loan and lease loss provision to assets | 0.2663% | 759 |
| Net operating income to assets | 0.6317% | 4,084 |
| Return on assets (ROA) | 0.7416% | 3,697 |
| Pretax return on assets | 1.0294% | 3,371 |
| Return on Equity (ROE) | 7.8857% | 3,008 |
| Retained earnings to average equity (ytd only) | 3.5504% | 3,401 |
| Net charge-offs to loans | 0.4784% | 515 |
| Credit loss provision to net charge-offs | 89.6861% | 2,803 |
| Earnings coverage of net charge-offs (x) | 3.8505% | 3,596 |
| Efficiency ratio | 75.9694% | 1,987 |
| Assets per employee ($millions) | 3.6094% | 4,598 |
| Cash dividends to net income (ytd only)* | 54.9771% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 4,123 |
| Loan loss allowance to noncurrent loans | 289.0934% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.4687% | 3,382 |
| Noncurrent loans to loans | 0.3574% | 3,850 |
| Net loans and leases to total assets | 58.0106% | 4,068 |
| Net loans and leases to deposits | 66.7854% | 4,187 |
| Net loans and leases to core deposits | 68.3509% | 4,368 |
| Total domestic deposits to total assets | 86.8612% | 2,217 |
| Equity capital to assets | 9.0116% | 4,810 |
| Core capital (leverage) ratio | 9.7718% | 3,782 |
| Tier 1 risk-based capital ratio | 15.2534% | 2,859 |
| Total risk-based capital ratio | 16.2478% | 2,904 |
| Memoranda: | ||
| Average total assets | $676,012,800 | 1,048 |
| Average earning assets | $617,748,400 | 1,057 |
| Average equity | $63,570,800 | 1,235 |
| Average total loans | $419,500,400 | 1,164 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1735% | 2,597 |
| Cost of funding earning assets | 0.2143% | 4,931 |
| Net interest margin | 3.9592% | 1,782 |
| Noninterest income to average assets | 1.1389% | 885 |
| Noninterest expense to average assets | 3.6537% | 915 |
| Loan and lease loss provision to assets | 0.2687% | 666 |
| Net operating income to assets | 0.5997% | 4,293 |
| Return on assets (ROA) | 0.7453% | 3,755 |
| Pretax return on assets | 1.0410% | 3,466 |
| Return on Equity (ROE) | 7.8401% | 3,090 |
| Retained earnings to average equity (ytd only) | 3.6720% | 3,694 |
| Net charge-offs to loans | 0.6187% | 334 |
| Credit loss provision to net charge-offs | 68.9831% | 2,811 |
| Earnings coverage of net charge-offs (x) | 2.8436% | 3,511 |
| Efficiency ratio | 76.7388% | 1,870 |
| Assets per employee ($millions) | 3.3514% | 4,978 |
| Cash dividends to net income (ytd only)* | 53.1642% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9173% | 4,820 |
| Loan loss allowance to noncurrent loans | 92.5988% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 0.6599% | 2,924 |
| Noncurrent loans to loans | 0.9906% | 2,262 |
| Net loans and leases to total assets | 62.5209% | 3,583 |
| Net loans and leases to deposits | 72.8624% | 3,716 |
| Net loans and leases to core deposits | 74.7944% | 3,939 |
| Total domestic deposits to total assets | 85.8069% | 2,451 |
| Equity capital to assets | 9.7822% | 4,379 |
| Core capital (leverage) ratio | 9.7721% | 3,841 |
| Tier 1 risk-based capital ratio | 16.6699% | 2,347 |
| Total risk-based capital ratio | 17.6617% | 2,404 |
| Memoranda: | ||
| Average total assets | $669,958,250 | 1,059 |
| Average earning assets | $612,936,750 | 1,064 |
| Average equity | $63,688,000 | 1,243 |
| Average total loans | $421,763,250 | 1,157 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1969% | 2,518 |
| Cost of funding earning assets | 0.2183% | 4,956 |
| Net interest margin | 3.9786% | 1,707 |
| Noninterest income to average assets | 1.1076% | 913 |
| Noninterest expense to average assets | 3.6058% | 1,004 |
| Loan and lease loss provision to assets | 0.2529% | 761 |
| Net operating income to assets | 0.6343% | 4,122 |
| Return on assets (ROA) | 0.7514% | 3,695 |
| Pretax return on assets | 1.0534% | 3,384 |
| Return on Equity (ROE) | 7.9804% | 2,982 |
| Retained earnings to average equity (ytd only) | 3.6473% | 3,573 |
| Net charge-offs to loans | 0.2379% | 991 |
| Credit loss provision to net charge-offs | 168.9861% | 1,463 |
| Earnings coverage of net charge-offs (x) | 7.6262% | 2,606 |
| Efficiency ratio | 75.9544% | 2,086 |
| Assets per employee ($millions) | 3.2992% | 5,064 |
| Cash dividends to net income (ytd only)* | 54.2970% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 3,565 |
| Loan loss allowance to noncurrent loans | 315.4605% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.2779% | 4,380 |
| Noncurrent loans to loans | 0.3685% | 4,041 |
| Net loans and leases to total assets | 60.8693% | 3,768 |
| Net loans and leases to deposits | 71.0887% | 3,878 |
| Net loans and leases to core deposits | 73.1502% | 4,066 |
| Total domestic deposits to total assets | 85.6245% | 2,598 |
| Equity capital to assets | 9.6090% | 4,659 |
| Core capital (leverage) ratio | 9.5609% | 4,115 |
| Tier 1 risk-based capital ratio | 16.6947% | 2,352 |
| Total risk-based capital ratio | 17.9448% | 2,309 |
| Memoranda: | ||
| Average total assets | $672,085,670 | 1,059 |
| Average earning assets | $614,841,330 | 1,062 |
| Average equity | $63,280,000 | 1,250 |
| Average total loans | $422,779,330 | 1,153 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1531% | 2,638 |
| Cost of funding earning assets | 0.2223% | 4,972 |
| Net interest margin | 3.9308% | 1,842 |
| Noninterest income to average assets | 1.0849% | 917 |
| Noninterest expense to average assets | 3.5808% | 1,047 |
| Loan and lease loss provision to assets | 0.1485% | 1,423 |
| Net operating income to assets | 0.6777% | 3,834 |
| Return on assets (ROA) | 0.7308% | 3,688 |
| Pretax return on assets | 1.0219% | 3,398 |
| Return on Equity (ROE) | 7.8415% | 3,010 |
| Retained earnings to average equity (ytd only) | 3.3789% | 3,811 |
| Net charge-offs to loans | 0.1393% | 1,278 |
| Credit loss provision to net charge-offs | 167.7852% | 1,198 |
| Earnings coverage of net charge-offs (x) | 12.3893% | 1,797 |
| Efficiency ratio | 76.5528% | 2,099 |
| Assets per employee ($millions) | 3.3525% | 5,050 |
| Cash dividends to net income (ytd only)* | 56.9106% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0757% | 4,196 |
| Loan loss allowance to noncurrent loans | 202.9897% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.3667% | 4,098 |
| Noncurrent loans to loans | 0.5299% | 3,598 |
| Net loans and leases to total assets | 62.3922% | 3,471 |
| Net loans and leases to deposits | 72.2885% | 3,623 |
| Net loans and leases to core deposits | 74.9955% | 3,789 |
| Total domestic deposits to total assets | 86.3101% | 2,531 |
| Equity capital to assets | 9.4664% | 4,697 |
| Core capital (leverage) ratio | 9.4563% | 4,264 |
| Tier 1 risk-based capital ratio | 16.2675% | 2,566 |
| Total risk-based capital ratio | 17.4359% | 2,549 |
| Memoranda: | ||
| Average total assets | $673,264,500 | 1,051 |
| Average earning assets | $615,345,500 | 1,061 |
| Average equity | $62,743,000 | 1,251 |
| Average total loans | $427,942,000 | 1,140 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3024% | 2,225 |
| Cost of funding earning assets | 0.2419% | 4,867 |
| Net interest margin | 4.0605% | 1,525 |
| Noninterest income to average assets | 1.1589% | 883 |
| Noninterest expense to average assets | 3.6010% | 1,122 |
| Loan and lease loss provision to assets | 0.1111% | 2,140 |
| Net operating income to assets | 0.8098% | 3,303 |
| Return on assets (ROA) | 0.8587% | 3,140 |
| Pretax return on assets | 1.2095% | 2,621 |
| Return on Equity (ROE) | 9.1784% | 2,377 |
| Retained earnings to average equity (ytd only) | 4.2485% | 2,964 |
| Net charge-offs to loans | 0.1375% | 1,977 |
| Credit loss provision to net charge-offs | 124.7849% | 2,083 |
| Earnings coverage of net charge-offs (x) | 14.0585% | 2,326 |
| Efficiency ratio | 74.2074% | 2,547 |
| Assets per employee ($millions) | 3.4316% | 4,932 |
| Cash dividends to net income (ytd only)* | 53.7116% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 4,452 |
| Loan loss allowance to noncurrent loans | 237.9882% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.2997% | 4,403 |
| Noncurrent loans to loans | 0.4316% | 3,916 |
| Net loans and leases to total assets | 63.3918% | 3,361 |
| Net loans and leases to deposits | 73.1378% | 3,596 |
| Net loans and leases to core deposits | 74.7994% | 3,866 |
| Total domestic deposits to total assets | 86.6745% | 2,286 |
| Equity capital to assets | 9.1732% | 4,943 |
| Core capital (leverage) ratio | 9.6508% | 3,979 |
| Tier 1 risk-based capital ratio | 16.0539% | 2,663 |
| Total risk-based capital ratio | 17.1910% | 2,652 |
| Memoranda: | ||
| Average total assets | $652,590,600 | 1,050 |
| Average earning assets | $593,639,000 | 1,054 |
| Average equity | $61,056,400 | 1,241 |
| Average total loans | $422,455,400 | 1,080 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3153% | 2,180 |
| Cost of funding earning assets | 0.2475% | 4,906 |
| Net interest margin | 4.0678% | 1,502 |
| Noninterest income to average assets | 1.1687% | 878 |
| Noninterest expense to average assets | 3.6915% | 988 |
| Loan and lease loss provision to assets | 0.0928% | 2,312 |
| Net operating income to assets | 0.7720% | 3,572 |
| Return on assets (ROA) | 0.8102% | 3,481 |
| Pretax return on assets | 1.1378% | 3,060 |
| Return on Equity (ROE) | 8.6158% | 2,774 |
| Retained earnings to average equity (ytd only) | 3.9900% | 3,625 |
| Net charge-offs to loans | 0.1229% | 1,899 |
| Credit loss provision to net charge-offs | 116.2791% | 2,041 |
| Earnings coverage of net charge-offs (x) | 14.7493% | 2,229 |
| Efficiency ratio | 75.8279% | 2,270 |
| Assets per employee ($millions) | 3.1979% | 5,289 |
| Cash dividends to net income (ytd only)* | 53.6895% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0230% | 4,629 |
| Loan loss allowance to noncurrent loans | 412.7599% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.2101% | 4,917 |
| Noncurrent loans to loans | 0.2478% | 4,688 |
| Net loans and leases to total assets | 66.0634% | 2,999 |
| Net loans and leases to deposits | 76.8894% | 3,210 |
| Net loans and leases to core deposits | 79.5692% | 3,456 |
| Total domestic deposits to total assets | 85.9200% | 2,572 |
| Equity capital to assets | 9.6842% | 4,537 |
| Core capital (leverage) ratio | 9.6175% | 4,147 |
| Tier 1 risk-based capital ratio | 16.1084% | 2,751 |
| Total risk-based capital ratio | 17.2430% | 2,745 |
| Memoranda: | ||
| Average total assets | $646,733,000 | 1,066 |
| Average earning assets | $588,181,250 | 1,071 |
| Average equity | $60,817,250 | 1,255 |
| Average total loans | $419,821,750 | 1,090 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2664% | 2,295 |
| Cost of funding earning assets | 0.2491% | 4,950 |
| Net interest margin | 4.0173% | 1,590 |
| Noninterest income to average assets | 1.1317% | 945 |
| Noninterest expense to average assets | 3.6286% | 1,077 |
| Loan and lease loss provision to assets | 0.0924% | 2,274 |
| Net operating income to assets | 0.7622% | 3,581 |
| Return on assets (ROA) | 0.7912% | 3,526 |
| Pretax return on assets | 1.1030% | 3,163 |
| Return on Equity (ROE) | 8.4972% | 2,794 |
| Retained earnings to average equity (ytd only) | 3.9905% | 3,475 |
| Net charge-offs to loans | 0.1274% | 1,737 |
| Credit loss provision to net charge-offs | 112.7820% | 1,891 |
| Earnings coverage of net charge-offs (x) | 14.0940% | 2,084 |
| Efficiency ratio | 75.8534% | 2,388 |
| Assets per employee ($millions) | 3.2748% | 5,204 |
| Cash dividends to net income (ytd only)* | 53.0374% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0272% | 4,727 |
| Loan loss allowance to noncurrent loans | 354.9918% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.2461% | 4,889 |
| Noncurrent loans to loans | 0.2894% | 4,649 |
| Net loans and leases to total assets | 64.7854% | 3,149 |
| Net loans and leases to deposits | 75.6200% | 3,310 |
| Net loans and leases to core deposits | 78.0021% | 3,568 |
| Total domestic deposits to total assets | 85.6723% | 2,848 |
| Equity capital to assets | 9.4221% | 4,749 |
| Core capital (leverage) ratio | 9.5211% | 4,256 |
| Tier 1 risk-based capital ratio | 16.0614% | 2,825 |
| Total risk-based capital ratio | 17.1969% | 2,842 |
| Memoranda: | ||
| Average total assets | $649,119,000 | 1,067 |
| Average earning assets | $590,093,000 | 1,079 |
| Average equity | $60,443,670 | 1,267 |
| Average total loans | $417,465,000 | 1,096 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1963% | 2,468 |
| Cost of funding earning assets | 0.2489% | 5,033 |
| Net interest margin | 3.9474% | 1,723 |
| Noninterest income to average assets | 1.0818% | 968 |
| Noninterest expense to average assets | 3.5865% | 1,156 |
| Loan and lease loss provision to assets | 0.0922% | 2,154 |
| Net operating income to assets | 0.7184% | 3,709 |
| Return on assets (ROA) | 0.7771% | 3,513 |
| Pretax return on assets | 1.0689% | 3,221 |
| Return on Equity (ROE) | 8.3952% | 2,755 |
| Retained earnings to average equity (ytd only) | 3.9355% | 3,634 |
| Net charge-offs to loans | 0.1002% | 1,720 |
| Credit loss provision to net charge-offs | 144.2308% | 1,283 |
| Earnings coverage of net charge-offs (x) | 16.9135% | 1,548 |
| Efficiency ratio | 76.8461% | 2,365 |
| Assets per employee ($millions) | 3.2798% | 5,275 |
| Cash dividends to net income (ytd only)* | 53.1225% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0426% | 4,808 |
| Loan loss allowance to noncurrent loans | 371.7949% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.2036% | 5,144 |
| Noncurrent loans to loans | 0.2804% | 4,776 |
| Net loans and leases to total assets | 63.2611% | 3,198 |
| Net loans and leases to deposits | 73.9470% | 3,323 |
| Net loans and leases to core deposits | 77.5460% | 3,426 |
| Total domestic deposits to total assets | 85.5493% | 3,151 |
| Equity capital to assets | 9.3240% | 4,928 |
| Core capital (leverage) ratio | 9.4318% | 4,378 |
| Tier 1 risk-based capital ratio | 16.0193% | 2,909 |
| Total risk-based capital ratio | 17.1664% | 2,902 |
| Memoranda: | ||
| Average total assets | $651,108,000 | 1,067 |
| Average earning assets | $591,373,500 | 1,074 |
| Average equity | $60,272,500 | 1,274 |
| Average total loans | $415,050,000 | 1,105 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3102% | 2,570 |
| Cost of funding earning assets | 0.2863% | 4,938 |
| Net interest margin | 4.0239% | 1,825 |
| Noninterest income to average assets | 1.1880% | 855 |
| Noninterest expense to average assets | 3.7328% | 1,092 |
| Loan and lease loss provision to assets | 0.1147% | 2,253 |
| Net operating income to assets | 0.7380% | 3,691 |
| Return on assets (ROA) | 0.8409% | 3,260 |
| Pretax return on assets | 1.1275% | 2,978 |
| Return on Equity (ROE) | 9.1547% | 2,510 |
| Retained earnings to average equity (ytd only) | 4.0726% | 3,307 |
| Net charge-offs to loans | 0.1109% | 2,930 |
| Credit loss provision to net charge-offs | 169.7892% | 1,436 |
| Earnings coverage of net charge-offs (x) | 16.3536% | 2,014 |
| Efficiency ratio | 77.1581% | 2,333 |
| Assets per employee ($millions) | 3.2640% | 5,324 |
| Cash dividends to net income (ytd only)* | 55.5137% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 4,840 |
| Loan loss allowance to noncurrent loans | 522.3301% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 5,389 |
| Noncurrent loans to loans | 0.1996% | 5,107 |
| Net loans and leases to total assets | 62.8993% | 3,379 |
| Net loans and leases to deposits | 73.2861% | 3,518 |
| Net loans and leases to core deposits | 75.4957% | 3,765 |
| Total domestic deposits to total assets | 85.8270% | 2,928 |
| Equity capital to assets | 9.1895% | 5,086 |
| Core capital (leverage) ratio | 9.5607% | 4,160 |
| Tier 1 risk-based capital ratio | 14.3845% | 3,845 |
| Total risk-based capital ratio | 15.4136% | 3,915 |
| Memoranda: | ||
| Average total assets | $631,915,800 | 1,056 |
| Average earning assets | $573,179,800 | 1,057 |
| Average equity | $58,046,600 | 1,255 |
| Average total loans | $385,154,400 | 1,151 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3103% | 2,584 |
| Cost of funding earning assets | 0.2925% | 4,958 |
| Net interest margin | 4.0178% | 1,828 |
| Noninterest income to average assets | 1.1675% | 883 |
| Noninterest expense to average assets | 3.7427% | 1,055 |
| Loan and lease loss provision to assets | 0.1009% | 2,352 |
| Net operating income to assets | 0.7202% | 3,836 |
| Return on assets (ROA) | 0.8233% | 3,410 |
| Pretax return on assets | 1.1085% | 3,154 |
| Return on Equity (ROE) | 8.9641% | 2,707 |
| Retained earnings to average equity (ytd only) | 4.4531% | 3,483 |
| Net charge-offs to loans | 0.1801% | 2,011 |
| Credit loss provision to net charge-offs | 92.9550% | 2,379 |
| Earnings coverage of net charge-offs (x) | 9.8551% | 2,619 |
| Efficiency ratio | 77.7670% | 2,221 |
| Assets per employee ($millions) | 3.1177% | 5,567 |
| Cash dividends to net income (ytd only)* | 50.3227% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0182% | 5,132 |
| Loan loss allowance to noncurrent loans | 363.9780% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 5,247 |
| Noncurrent loans to loans | 0.2797% | 5,073 |
| Net loans and leases to total assets | 62.2223% | 3,453 |
| Net loans and leases to deposits | 74.2446% | 3,404 |
| Net loans and leases to core deposits | 76.9889% | 3,638 |
| Total domestic deposits to total assets | 83.8072% | 3,834 |
| Equity capital to assets | 9.4626% | 4,840 |
| Core capital (leverage) ratio | 9.6331% | 4,181 |
| Tier 1 risk-based capital ratio | 15.0044% | 3,586 |
| Total risk-based capital ratio | 16.0036% | 3,674 |
| Memoranda: | ||
| Average total assets | $627,510,500 | 1,074 |
| Average earning assets | $569,314,500 | 1,074 |
| Average equity | $57,636,000 | 1,271 |
| Average total loans | $378,228,500 | 1,180 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2727% | 2,694 |
| Cost of funding earning assets | 0.2977% | 4,991 |
| Net interest margin | 3.9750% | 1,888 |
| Noninterest income to average assets | 1.1491% | 892 |
| Noninterest expense to average assets | 3.6941% | 1,151 |
| Loan and lease loss provision to assets | 0.1191% | 2,061 |
| Net operating income to assets | 0.6949% | 3,870 |
| Return on assets (ROA) | 0.7792% | 3,531 |
| Pretax return on assets | 1.0532% | 3,269 |
| Return on Equity (ROE) | 8.5687% | 2,805 |
| Retained earnings to average equity (ytd only) | 4.2040% | 3,493 |
| Net charge-offs to loans | 0.2421% | 1,591 |
| Credit loss provision to net charge-offs | 82.7815% | 2,298 |
| Earnings coverage of net charge-offs (x) | 7.3576% | 2,643 |
| Efficiency ratio | 77.7310% | 2,333 |
| Assets per employee ($millions) | 3.1520% | 5,504 |
| Cash dividends to net income (ytd only)* | 50.9372% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 5,235 |
| Loan loss allowance to noncurrent loans | 201.5385% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.3758% | 4,901 |
| Noncurrent loans to loans | 0.5091% | 4,472 |
| Net loans and leases to total assets | 60.4354% | 3,646 |
| Net loans and leases to deposits | 70.6001% | 3,740 |
| Net loans and leases to core deposits | 73.4214% | 3,895 |
| Total domestic deposits to total assets | 85.6025% | 3,239 |
| Equity capital to assets | 9.2846% | 4,997 |
| Core capital (leverage) ratio | 9.3767% | 4,494 |
| Tier 1 risk-based capital ratio | 14.8624% | 3,713 |
| Total risk-based capital ratio | 15.8541% | 3,816 |
| Memoranda: | ||
| Average total assets | $629,870,670 | 1,071 |
| Average earning assets | $570,967,330 | 1,075 |
| Average equity | $57,278,330 | 1,273 |
| Average total loans | $374,299,000 | 1,179 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2149% | 2,819 |
| Cost of funding earning assets | 0.3029% | 5,035 |
| Net interest margin | 3.9119% | 2,048 |
| Noninterest income to average assets | 1.0672% | 979 |
| Noninterest expense to average assets | 3.6940% | 1,141 |
| Loan and lease loss provision to assets | 0.0475% | 3,140 |
| Net operating income to assets | 0.6208% | 4,095 |
| Return on assets (ROA) | 0.7630% | 3,427 |
| Pretax return on assets | 1.0697% | 3,035 |
| Return on Equity (ROE) | 8.4791% | 2,694 |
| Retained earnings to average equity (ytd only) | 3.9086% | 3,769 |
| Net charge-offs to loans | 0.1481% | 1,832 |
| Credit loss provision to net charge-offs | 54.7445% | 2,159 |
| Earnings coverage of net charge-offs (x) | 10.5620% | 1,851 |
| Efficiency ratio | 80.1127% | 2,194 |
| Assets per employee ($millions) | 3.1853% | 5,549 |
| Cash dividends to net income (ytd only)* | 53.9037% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 5,299 |
| Loan loss allowance to noncurrent loans | 339.5009% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.2082% | 5,598 |
| Noncurrent loans to loans | 0.3104% | 5,174 |
| Net loans and leases to total assets | 58.4283% | 3,778 |
| Net loans and leases to deposits | 67.2303% | 3,943 |
| Net loans and leases to core deposits | 70.2936% | 4,053 |
| Total domestic deposits to total assets | 86.9077% | 2,865 |
| Equity capital to assets | 9.0199% | 5,100 |
| Core capital (leverage) ratio | 9.2480% | 4,651 |
| Tier 1 risk-based capital ratio | 15.0655% | 3,679 |
| Total risk-based capital ratio | 16.0858% | 3,748 |
| Memoranda: | ||
| Average total assets | $631,179,500 | 1,077 |
| Average earning assets | $571,787,500 | 1,082 |
| Average equity | $56,798,500 | 1,283 |
| Average total loans | $369,942,000 | 1,197 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4389% | 2,435 |
| Cost of funding earning assets | 0.3603% | 5,049 |
| Net interest margin | 4.0787% | 1,709 |
| Noninterest income to average assets | 1.2223% | 939 |
| Noninterest expense to average assets | 3.8566% | 1,048 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7533% | 3,528 |
| Return on assets (ROA) | 0.8952% | 2,897 |
| Pretax return on assets | 1.2595% | 2,320 |
| Return on Equity (ROE) | 9.7673% | 2,210 |
| Retained earnings to average equity (ytd only) | 4.5064% | 2,970 |
| Net charge-offs to loans | 0.1722% | 3,103 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 10.4333% | 2,365 |
| Efficiency ratio | 78.4464% | 2,393 |
| Assets per employee ($millions) | 3.2230% | 5,440 |
| Cash dividends to net income (ytd only)* | 53.8628% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 5,169 |
| Loan loss allowance to noncurrent loans | 404.7475% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.2013% | 5,692 |
| Noncurrent loans to loans | 0.2708% | 5,364 |
| Net loans and leases to total assets | 57.5304% | 4,114 |
| Net loans and leases to deposits | 66.1164% | 4,283 |
| Net loans and leases to core deposits | 68.9547% | 4,397 |
| Total domestic deposits to total assets | 87.0138% | 2,719 |
| Equity capital to assets | 8.9775% | 5,059 |
| Core capital (leverage) ratio | 9.4717% | 4,311 |
| Tier 1 risk-based capital ratio | 15.1925% | 3,550 |
| Total risk-based capital ratio | 16.2473% | 3,610 |
| Memoranda: | ||
| Average total assets | $620,306,000 | 1,075 |
| Average earning assets | $561,800,000 | 1,083 |
| Average equity | $56,852,800 | 1,265 |
| Average total loans | $365,927,800 | 1,163 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4727% | 2,335 |
| Cost of funding earning assets | 0.3725% | 5,076 |
| Net interest margin | 4.1002% | 1,634 |
| Noninterest income to average assets | 1.1772% | 1,058 |
| Noninterest expense to average assets | 3.8048% | 1,075 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7632% | 3,539 |
| Return on assets (ROA) | 0.9504% | 2,695 |
| Pretax return on assets | 1.3552% | 2,096 |
| Return on Equity (ROE) | 10.3157% | 2,062 |
| Retained earnings to average equity (ytd only) | 5.4212% | 2,784 |
| Net charge-offs to loans | 0.1851% | 2,747 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 9.9291% | 2,420 |
| Efficiency ratio | 77.7670% | 2,456 |
| Assets per employee ($millions) | 3.0392% | 5,785 |
| Cash dividends to net income (ytd only)* | 47.4473% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 5,211 |
| Loan loss allowance to noncurrent loans | 378.7156% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.2807% | 5,597 |
| Noncurrent loans to loans | 0.2982% | 5,485 |
| Net loans and leases to total assets | 60.0600% | 3,687 |
| Net loans and leases to deposits | 69.7818% | 3,816 |
| Net loans and leases to core deposits | 73.1903% | 3,949 |
| Total domestic deposits to total assets | 86.0683% | 3,215 |
| Equity capital to assets | 9.3649% | 4,725 |
| Core capital (leverage) ratio | 9.4929% | 4,418 |
| Tier 1 risk-based capital ratio | 15.1127% | 3,674 |
| Total risk-based capital ratio | 16.1986% | 3,732 |
| Memoranda: | ||
| Average total assets | $618,261,750 | 1,088 |
| Average earning assets | $560,212,250 | 1,092 |
| Average equity | $56,960,500 | 1,268 |
| Average total loans | $366,015,750 | 1,170 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4363% | 2,435 |
| Cost of funding earning assets | 0.3807% | 5,126 |
| Net interest margin | 4.0556% | 1,674 |
| Noninterest income to average assets | 1.1543% | 1,144 |
| Noninterest expense to average assets | 3.7396% | 1,185 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7581% | 3,523 |
| Return on assets (ROA) | 1.0325% | 2,309 |
| Pretax return on assets | 1.5015% | 1,615 |
| Return on Equity (ROE) | 11.2662% | 1,726 |
| Retained earnings to average equity (ytd only) | 6.0319% | 2,419 |
| Net charge-offs to loans | 0.1983% | 2,575 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 9.4848% | 2,279 |
| Efficiency ratio | 77.2077% | 2,594 |
| Assets per employee ($millions) | 3.0950% | 5,691 |
| Cash dividends to net income (ytd only)* | 46.4596% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 5,135 |
| Loan loss allowance to noncurrent loans | 342.6624% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.3231% | 5,507 |
| Noncurrent loans to loans | 0.3423% | 5,443 |
| Net loans and leases to total assets | 58.7545% | 3,862 |
| Net loans and leases to deposits | 68.4769% | 3,940 |
| Net loans and leases to core deposits | 71.9788% | 4,043 |
| Total domestic deposits to total assets | 85.8019% | 3,475 |
| Equity capital to assets | 9.2136% | 4,974 |
| Core capital (leverage) ratio | 9.2357% | 4,644 |
| Tier 1 risk-based capital ratio | 14.9535% | 3,808 |
| Total risk-based capital ratio | 16.0772% | 3,857 |
| Memoranda: | ||
| Average total assets | $623,759,000 | 1,074 |
| Average earning assets | $567,413,330 | 1,076 |
| Average equity | $57,162,330 | 1,263 |
| Average total loans | $366,170,670 | 1,166 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4320% | 2,417 |
| Cost of funding earning assets | 0.3919% | 5,185 |
| Net interest margin | 4.0401% | 1,646 |
| Noninterest income to average assets | 1.1748% | 1,089 |
| Noninterest expense to average assets | 3.7239% | 1,209 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7636% | 3,363 |
| Return on assets (ROA) | 1.2917% | 1,401 |
| Pretax return on assets | 1.9153% | 713 |
| Return on Equity (ROE) | 14.1325% | 939 |
| Retained earnings to average equity (ytd only) | 7.8660% | 1,796 |
| Net charge-offs to loans | 0.1406% | 2,561 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 13.7442% | 1,501 |
| Efficiency ratio | 76.7658% | 2,800 |
| Assets per employee ($millions) | 3.1485% | 5,727 |
| Cash dividends to net income (ytd only)* | 44.3406% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 4,952 |
| Loan loss allowance to noncurrent loans | 291.9689% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.3451% | 5,563 |
| Noncurrent loans to loans | 0.4278% | 5,348 |
| Net loans and leases to total assets | 56.8907% | 3,945 |
| Net loans and leases to deposits | 66.0997% | 4,041 |
| Net loans and leases to core deposits | 70.5038% | 4,011 |
| Total domestic deposits to total assets | 86.0680% | 3,496 |
| Equity capital to assets | 9.1849% | 5,271 |
| Core capital (leverage) ratio | 9.1223% | 4,687 |
| Tier 1 risk-based capital ratio | 15.0246% | 3,823 |
| Total risk-based capital ratio | 16.2283% | 3,809 |
| Memoranda: | ||
| Average total assets | $629,237,500 | 1,084 |
| Average earning assets | $572,566,500 | 1,076 |
| Average equity | $57,513,000 | 1,269 |
| Average total loans | $367,095,000 | 1,164 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8451% | 2,039 |
| Cost of funding earning assets | 0.4892% | 5,294 |
| Net interest margin | 4.3560% | 1,265 |
| Noninterest income to average assets | 1.1587% | 1,164 |
| Noninterest expense to average assets | 3.7666% | 1,304 |
| Loan and lease loss provision to assets | 0.0721% | 4,833 |
| Net operating income to assets | 0.8756% | 2,928 |
| Return on assets (ROA) | 1.1155% | 2,062 |
| Pretax return on assets | 1.6441% | 1,272 |
| Return on Equity (ROE) | 12.3070% | 1,411 |
| Retained earnings to average equity (ytd only) | 5.1944% | 2,581 |
| Net charge-offs to loans | 0.2629% | 3,362 |
| Credit loss provision to net charge-offs | 45.2716% | 4,809 |
| Earnings coverage of net charge-offs (x) | 8.5604% | 2,389 |
| Efficiency ratio | 73.4210% | 3,168 |
| Assets per employee ($millions) | 3.1755% | 5,684 |
| Cash dividends to net income (ytd only)* | 57.7934% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 4,914 |
| Loan loss allowance to noncurrent loans | 402.8671% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.3041% | 5,766 |
| Noncurrent loans to loans | 0.3084% | 5,711 |
| Net loans and leases to total assets | 58.3291% | 3,918 |
| Net loans and leases to deposits | 67.2107% | 4,100 |
| Net loans and leases to core deposits | 70.7063% | 4,201 |
| Total domestic deposits to total assets | 86.7855% | 2,945 |
| Equity capital to assets | 9.0957% | 5,406 |
| Core capital (leverage) ratio | 9.1540% | 4,655 |
| Tier 1 risk-based capital ratio | 14.5002% | 4,035 |
| Total risk-based capital ratio | 15.7194% | 4,004 |
| Memoranda: | ||
| Average total assets | $624,040,600 | 1,060 |
| Average earning assets | $568,943,400 | 1,061 |
| Average equity | $56,561,200 | 1,258 |
| Average total loans | $378,149,400 | 1,102 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9084% | 1,979 |
| Cost of funding earning assets | 0.5073% | 5,393 |
| Net interest margin | 4.4011% | 1,197 |
| Noninterest income to average assets | 1.1158% | 1,208 |
| Noninterest expense to average assets | 3.7943% | 1,219 |
| Loan and lease loss provision to assets | 0.0965% | 4,366 |
| Net operating income to assets | 0.8448% | 3,234 |
| Return on assets (ROA) | 1.1655% | 2,043 |
| Pretax return on assets | 1.7172% | 1,222 |
| Return on Equity (ROE) | 12.8710% | 1,372 |
| Retained earnings to average equity (ytd only) | 6.9704% | 2,152 |
| Net charge-offs to loans | 0.2956% | 2,958 |
| Credit loss provision to net charge-offs | 53.5077% | 4,310 |
| Earnings coverage of net charge-offs (x) | 7.4447% | 2,604 |
| Efficiency ratio | 73.8733% | 3,006 |
| Assets per employee ($millions) | 3.0510% | 5,962 |
| Cash dividends to net income (ytd only)* | 45.8441% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2667% | 4,967 |
| Loan loss allowance to noncurrent loans | 422.0264% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.3957% | 5,703 |
| Noncurrent loans to loans | 0.3002% | 5,892 |
| Net loans and leases to total assets | 62.4326% | 3,310 |
| Net loans and leases to deposits | 72.7409% | 3,488 |
| Net loans and leases to core deposits | 76.6842% | 3,649 |
| Total domestic deposits to total assets | 85.8288% | 3,347 |
| Equity capital to assets | 9.6290% | 5,023 |
| Core capital (leverage) ratio | 9.1300% | 4,868 |
| Tier 1 risk-based capital ratio | 14.3658% | 4,284 |
| Total risk-based capital ratio | 15.6137% | 4,260 |
| Memoranda: | ||
| Average total assets | $622,069,250 | 1,071 |
| Average earning assets | $568,264,750 | 1,072 |
| Average equity | $56,332,000 | 1,269 |
| Average total loans | $379,378,250 | 1,113 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9134% | 2,053 |
| Cost of funding earning assets | 0.5155% | 5,516 |
| Net interest margin | 4.3979% | 1,204 |
| Noninterest income to average assets | 1.0770% | 1,233 |
| Noninterest expense to average assets | 3.7988% | 1,216 |
| Loan and lease loss provision to assets | 0.1111% | 4,140 |
| Net operating income to assets | 0.8072% | 3,366 |
| Return on assets (ROA) | 1.2449% | 1,754 |
| Pretax return on assets | 1.8318% | 977 |
| Return on Equity (ROE) | 14.0283% | 1,114 |
| Retained earnings to average equity (ytd only) | 8.6988% | 1,376 |
| Net charge-offs to loans | 0.3734% | 2,526 |
| Credit loss provision to net charge-offs | 49.3653% | 4,052 |
| Earnings coverage of net charge-offs (x) | 5.7729% | 2,756 |
| Efficiency ratio | 74.5159% | 2,989 |
| Assets per employee ($millions) | 3.1587% | 5,728 |
| Cash dividends to net income (ytd only)* | 37.9908% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2852% | 4,951 |
| Loan loss allowance to noncurrent loans | 395.5701% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.3935% | 5,800 |
| Noncurrent loans to loans | 0.3249% | 5,904 |
| Net loans and leases to total assets | 59.8233% | 3,858 |
| Net loans and leases to deposits | 69.3020% | 3,995 |
| Net loans and leases to core deposits | 72.7261% | 4,208 |
| Total domestic deposits to total assets | 86.3227% | 3,179 |
| Equity capital to assets | 9.2137% | 5,447 |
| Core capital (leverage) ratio | 8.8346% | 5,159 |
| Tier 1 risk-based capital ratio | 14.2640% | 4,260 |
| Total risk-based capital ratio | 15.5136% | 4,221 |
| Memoranda: | ||
| Average total assets | $630,094,000 | 1,055 |
| Average earning assets | $576,099,000 | 1,051 |
| Average equity | $55,915,670 | 1,272 |
| Average total loans | $379,793,000 | 1,110 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9540% | 2,059 |
| Cost of funding earning assets | 0.5263% | 5,627 |
| Net interest margin | 4.4278% | 1,168 |
| Noninterest income to average assets | 1.0195% | 1,374 |
| Noninterest expense to average assets | 3.7439% | 1,309 |
| Loan and lease loss provision to assets | 0.1259% | 3,774 |
| Net operating income to assets | 0.8330% | 3,228 |
| Return on assets (ROA) | 0.9836% | 2,740 |
| Pretax return on assets | 1.4103% | 2,167 |
| Return on Equity (ROE) | 11.2949% | 1,906 |
| Retained earnings to average equity (ytd only) | 11.2949% | 966 |
| Net charge-offs to loans | 0.0461% | 4,056 |
| Credit loss provision to net charge-offs | 454.5455% | 709 |
| Earnings coverage of net charge-offs (x) | 47.7045% | 659 |
| Efficiency ratio | 73.9190% | 3,109 |
| Assets per employee ($millions) | 3.1461% | 5,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4050% | 4,586 |
| Loan loss allowance to noncurrent loans | 412.7610% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.5310% | 5,543 |
| Noncurrent loans to loans | 0.3404% | 5,991 |
| Net loans and leases to total assets | 59.5225% | 3,774 |
| Net loans and leases to deposits | 68.4965% | 3,975 |
| Net loans and leases to core deposits | 72.3370% | 4,095 |
| Total domestic deposits to total assets | 86.8986% | 3,020 |
| Equity capital to assets | 8.8805% | 5,658 |
| Core capital (leverage) ratio | 8.6131% | 5,427 |
| Tier 1 risk-based capital ratio | 13.8121% | 4,599 |
| Total risk-based capital ratio | 15.0635% | 4,573 |
| Memoranda: | ||
| Average total assets | $635,592,000 | 1,042 |
| Average earning assets | $580,697,000 | 1,042 |
| Average equity | $55,352,500 | 1,284 |
| Average total loans | $382,096,000 | 1,110 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3653% | 1,511 |
| Cost of funding earning assets | 0.7250% | 5,377 |
| Net interest margin | 4.6403% | 850 |
| Noninterest income to average assets | 1.1220% | 1,051 |
| Noninterest expense to average assets | 3.7623% | 1,421 |
| Loan and lease loss provision to assets | 0.3597% | 2,845 |
| Net operating income to assets | 0.8474% | 2,835 |
| Return on assets (ROA) | 0.8474% | 2,989 |
| Pretax return on assets | 1.2205% | 2,387 |
| Return on Equity (ROE) | 9.6950% | 2,171 |
| Retained earnings to average equity (ytd only) | 6.1347% | 1,938 |
| Net charge-offs to loans | 0.5599% | 2,778 |
| Credit loss provision to net charge-offs | 98.6239% | 3,642 |
| Earnings coverage of net charge-offs (x) | 4.3326% | 3,161 |
| Efficiency ratio | 70.4215% | 3,858 |
| Assets per employee ($millions) | 3.2098% | 5,687 |
| Cash dividends to net income (ytd only)* | 36.7226% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3481% | 4,675 |
| Loan loss allowance to noncurrent loans | 340.6312% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.5374% | 5,628 |
| Noncurrent loans to loans | 0.3958% | 5,920 |
| Net loans and leases to total assets | 59.0604% | 4,187 |
| Net loans and leases to deposits | 67.1548% | 4,562 |
| Net loans and leases to core deposits | 69.7174% | 4,816 |
| Total domestic deposits to total assets | 87.9468% | 2,198 |
| Equity capital to assets | 8.5405% | 6,087 |
| Core capital (leverage) ratio | 8.4936% | 5,570 |
| Tier 1 risk-based capital ratio | 13.1817% | 4,930 |
| Total risk-based capital ratio | 14.4325% | 4,905 |
| Memoranda: | ||
| Average total assets | $597,694,600 | 1,101 |
| Average earning assets | $543,623,600 | 1,098 |
| Average equity | $52,243,600 | 1,305 |
| Average total loans | $389,380,000 | 1,097 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4618% | 1,360 |
| Cost of funding earning assets | 0.7800% | 5,277 |
| Net interest margin | 4.6818% | 793 |
| Noninterest income to average assets | 1.1403% | 1,015 |
| Noninterest expense to average assets | 3.8156% | 1,285 |
| Loan and lease loss provision to assets | 0.3977% | 2,469 |
| Net operating income to assets | 0.8123% | 3,093 |
| Return on assets (ROA) | 0.8123% | 3,261 |
| Pretax return on assets | 1.1816% | 2,689 |
| Return on Equity (ROE) | 9.2353% | 2,487 |
| Retained earnings to average equity (ytd only) | 7.9433% | 1,525 |
| Net charge-offs to loans | 0.6062% | 2,432 |
| Credit loss provision to net charge-offs | 98.5360% | 3,468 |
| Earnings coverage of net charge-offs (x) | 3.9127% | 3,246 |
| Efficiency ratio | 70.7250% | 3,805 |
| Assets per employee ($millions) | 3.0837% | 5,935 |
| Cash dividends to net income (ytd only)* | 13.9899% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3616% | 4,727 |
| Loan loss allowance to noncurrent loans | 221.6759% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.7508% | 5,282 |
| Noncurrent loans to loans | 0.6142% | 5,663 |
| Net loans and leases to total assets | 61.5166% | 3,842 |
| Net loans and leases to deposits | 70.7755% | 4,170 |
| Net loans and leases to core deposits | 73.8317% | 4,470 |
| Total domestic deposits to total assets | 86.9179% | 2,704 |
| Equity capital to assets | 8.9731% | 5,784 |
| Core capital (leverage) ratio | 8.4519% | 5,775 |
| Tier 1 risk-based capital ratio | 13.3386% | 4,849 |
| Total risk-based capital ratio | 14.5887% | 4,823 |
| Memoranda: | ||
| Average total assets | $586,628,000 | 1,124 |
| Average earning assets | $533,115,000 | 1,131 |
| Average equity | $51,597,750 | 1,321 |
| Average total loans | $390,643,500 | 1,100 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5296% | 1,235 |
| Cost of funding earning assets | 0.8254% | 5,212 |
| Net interest margin | 4.7042% | 718 |
| Noninterest income to average assets | 1.1430% | 989 |
| Noninterest expense to average assets | 3.8352% | 1,300 |
| Loan and lease loss provision to assets | 0.4148% | 2,357 |
| Net operating income to assets | 0.7922% | 3,112 |
| Return on assets (ROA) | 0.7922% | 3,236 |
| Pretax return on assets | 1.1596% | 2,640 |
| Return on Equity (ROE) | 9.0711% | 2,479 |
| Retained earnings to average equity (ytd only) | 9.0711% | 1,081 |
| Net charge-offs to loans | 0.6590% | 2,196 |
| Credit loss provision to net charge-offs | 92.4499% | 3,390 |
| Earnings coverage of net charge-offs (x) | 3.5092% | 3,148 |
| Efficiency ratio | 70.8964% | 3,950 |
| Assets per employee ($millions) | 3.1142% | 5,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 4,906 |
| Loan loss allowance to noncurrent loans | 148.7635% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.9351% | 4,990 |
| Noncurrent loans to loans | 0.8964% | 5,172 |
| Net loans and leases to total assets | 61.0463% | 4,078 |
| Net loans and leases to deposits | 70.2344% | 4,410 |
| Net loans and leases to core deposits | 73.2861% | 4,674 |
| Total domestic deposits to total assets | 86.9180% | 2,787 |
| Equity capital to assets | 8.4135% | 6,289 |
| Core capital (leverage) ratio | 8.8468% | 4,968 |
| Tier 1 risk-based capital ratio | 13.2219% | 4,749 |
| Total risk-based capital ratio | 14.4374% | 4,753 |
| Memoranda: | ||
| Average total assets | $578,643,330 | 1,155 |
| Average earning assets | $524,812,330 | 1,162 |
| Average equity | $50,534,330 | 1,331 |
| Average total loans | $393,926,670 | 1,098 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7583% | 792 |
| Cost of funding earning assets | 0.8984% | 4,933 |
| Net interest margin | 4.8599% | 505 |
| Noninterest income to average assets | 1.1489% | 987 |
| Noninterest expense to average assets | 3.9355% | 1,126 |
| Loan and lease loss provision to assets | 0.4300% | 2,040 |
| Net operating income to assets | 0.8085% | 2,986 |
| Return on assets (ROA) | 0.8085% | 3,050 |
| Pretax return on assets | 1.1840% | 2,434 |
| Return on Equity (ROE) | 9.0727% | 2,452 |
| Retained earnings to average equity (ytd only) | 9.0727% | 1,363 |
| Net charge-offs to loans | 1.0091% | 1,353 |
| Credit loss provision to net charge-offs | 59.5829% | 3,553 |
| Earnings coverage of net charge-offs (x) | 2.2363% | 3,202 |
| Efficiency ratio | 70.9157% | 4,072 |
| Assets per employee ($millions) | 2.8139% | 6,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 5,506 |
| Loan loss allowance to noncurrent loans | 268.5299% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.7739% | 5,363 |
| Noncurrent loans to loans | 0.4561% | 6,097 |
| Net loans and leases to total assets | 68.1624% | 2,514 |
| Net loans and leases to deposits | 78.2503% | 3,014 |
| Net loans and leases to core deposits | 82.5837% | 3,371 |
| Total domestic deposits to total assets | 87.1081% | 2,887 |
| Equity capital to assets | 8.8478% | 5,420 |
| Core capital (leverage) ratio | 8.8762% | 4,812 |
| Tier 1 risk-based capital ratio | 12.7359% | 5,028 |
| Total risk-based capital ratio | 13.9573% | 5,035 |
| Memoranda: | ||
| Average total assets | $558,104,500 | 1,206 |
| Average earning assets | $505,357,500 | 1,213 |
| Average equity | $49,731,500 | 1,341 |
| Average total loans | $399,175,000 | 1,096 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0116% | 831 |
| Cost of funding earning assets | 1.1492% | 4,854 |
| Net interest margin | 4.8625% | 583 |
| Noninterest income to average assets | 1.2313% | 998 |
| Noninterest expense to average assets | 3.9785% | 1,192 |
| Loan and lease loss provision to assets | 0.7367% | 2,230 |
| Net operating income to assets | 0.6425% | 3,472 |
| Return on assets (ROA) | 0.6522% | 3,573 |
| Pretax return on assets | 0.9297% | 3,161 |
| Return on Equity (ROE) | 7.4598% | 2,912 |
| Retained earnings to average equity (ytd only) | 3.6885% | 3,278 |
| Net charge-offs to loans | 0.9397% | 2,302 |
| Credit loss provision to net charge-offs | 105.2428% | 4,260 |
| Earnings coverage of net charge-offs (x) | 2.3608% | 3,965 |
| Efficiency ratio | 70.6540% | 4,044 |
| Assets per employee ($millions) | 2.6985% | 6,688 |
| Cash dividends to net income (ytd only)* | 50.5543% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 5,087 |
| Loan loss allowance to noncurrent loans | 179.8137% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.9876% | 5,035 |
| Noncurrent loans to loans | 0.7136% | 5,621 |
| Net loans and leases to total assets | 73.1826% | 1,828 |
| Net loans and leases to deposits | 84.0367% | 2,442 |
| Net loans and leases to core deposits | 88.0783% | 3,040 |
| Total domestic deposits to total assets | 87.0841% | 2,774 |
| Equity capital to assets | 8.9761% | 5,179 |
| Core capital (leverage) ratio | 8.9550% | 4,611 |
| Tier 1 risk-based capital ratio | 12.3619% | 5,149 |
| Total risk-based capital ratio | 13.6126% | 5,119 |
| Memoranda: | ||
| Average total assets | $553,167,400 | 1,216 |
| Average earning assets | $500,528,200 | 1,227 |
| Average equity | $48,366,200 | 1,386 |
| Average total loans | $412,050,000 | 1,092 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0223% | 893 |
| Cost of funding earning assets | 1.1963% | 4,886 |
| Net interest margin | 4.8260% | 639 |
| Noninterest income to average assets | 1.2200% | 935 |
| Noninterest expense to average assets | 3.9207% | 1,176 |
| Loan and lease loss provision to assets | 0.8716% | 1,743 |
| Net operating income to assets | 0.5649% | 4,033 |
| Return on assets (ROA) | 0.5780% | 4,126 |
| Pretax return on assets | 0.8120% | 3,859 |
| Return on Equity (ROE) | 6.6547% | 3,510 |
| Retained earnings to average equity (ytd only) | 4.4291% | 3,386 |
| Net charge-offs to loans | 1.1433% | 1,781 |
| Credit loss provision to net charge-offs | 102.2279% | 4,215 |
| Earnings coverage of net charge-offs (x) | 1.9529% | 4,244 |
| Efficiency ratio | 70.1907% | 4,024 |
| Assets per employee ($millions) | 2.6894% | 6,791 |
| Cash dividends to net income (ytd only)* | 33.4442% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2328% | 5,329 |
| Loan loss allowance to noncurrent loans | 355.7343% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.7729% | 5,560 |
| Noncurrent loans to loans | 0.3465% | 6,504 |
| Net loans and leases to total assets | 75.0211% | 1,584 |
| Net loans and leases to deposits | 86.4141% | 2,253 |
| Net loans and leases to core deposits | 90.9082% | 2,971 |
| Total domestic deposits to total assets | 86.8157% | 2,637 |
| Equity capital to assets | 9.0823% | 5,472 |
| Core capital (leverage) ratio | 8.9347% | 4,790 |
| Tier 1 risk-based capital ratio | 12.2067% | 5,260 |
| Total risk-based capital ratio | 13.4569% | 5,232 |
| Memoranda: | ||
| Average total assets | $554,510,000 | 1,219 |
| Average earning assets | $501,633,500 | 1,242 |
| Average equity | $48,165,000 | 1,400 |
| Average total loans | $413,536,750 | 1,096 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9957% | 960 |
| Cost of funding earning assets | 1.2428% | 4,879 |
| Net interest margin | 4.7528% | 720 |
| Noninterest income to average assets | 1.1722% | 936 |
| Noninterest expense to average assets | 3.8735% | 1,224 |
| Loan and lease loss provision to assets | 1.0300% | 1,416 |
| Net operating income to assets | 0.4238% | 4,642 |
| Return on assets (ROA) | 0.4442% | 4,724 |
| Pretax return on assets | 0.5969% | 4,574 |
| Return on Equity (ROE) | 5.1912% | 4,193 |
| Retained earnings to average equity (ytd only) | 2.6793% | 4,441 |
| Net charge-offs to loans | 1.5291% | 1,251 |
| Credit loss provision to net charge-offs | 90.8660% | 4,400 |
| Earnings coverage of net charge-offs (x) | 1.4109% | 4,429 |
| Efficiency ratio | 70.7777% | 4,023 |
| Assets per employee ($millions) | 2.6933% | 6,792 |
| Cash dividends to net income (ytd only)* | 48.3871% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 5,719 |
| Loan loss allowance to noncurrent loans | 261.1511% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.8304% | 5,460 |
| Noncurrent loans to loans | 0.4381% | 6,367 |
| Net loans and leases to total assets | 73.8498% | 1,940 |
| Net loans and leases to deposits | 84.7503% | 2,745 |
| Net loans and leases to core deposits | 88.3725% | 3,503 |
| Total domestic deposits to total assets | 87.1381% | 2,461 |
| Equity capital to assets | 8.7286% | 5,844 |
| Core capital (leverage) ratio | 8.5759% | 5,284 |
| Tier 1 risk-based capital ratio | 11.9177% | 5,385 |
| Total risk-based capital ratio | 13.0938% | 5,420 |
| Memoranda: | ||
| Average total assets | $558,262,000 | 1,217 |
| Average earning assets | $505,129,670 | 1,232 |
| Average equity | $47,773,330 | 1,399 |
| Average total loans | $413,835,000 | 1,105 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0140% | 952 |
| Cost of funding earning assets | 1.3236% | 4,667 |
| Net interest margin | 4.6905% | 797 |
| Noninterest income to average assets | 1.1808% | 875 |
| Noninterest expense to average assets | 3.7967% | 1,332 |
| Loan and lease loss provision to assets | 0.9264% | 1,370 |
| Net operating income to assets | 0.4981% | 4,398 |
| Return on assets (ROA) | 0.4981% | 4,538 |
| Pretax return on assets | 0.6976% | 4,243 |
| Return on Equity (ROE) | 5.8784% | 3,933 |
| Retained earnings to average equity (ytd only) | 2.9350% | 4,369 |
| Net charge-offs to loans | 1.3181% | 1,299 |
| Credit loss provision to net charge-offs | 95.1684% | 3,545 |
| Earnings coverage of net charge-offs (x) | 1.6684% | 3,733 |
| Efficiency ratio | 70.0408% | 4,292 |
| Assets per employee ($millions) | 2.7078% | 6,849 |
| Cash dividends to net income (ytd only)* | 50.0715% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 5,495 |
| Loan loss allowance to noncurrent loans | 157.2884% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.9545% | 5,242 |
| Noncurrent loans to loans | 0.7632% | 5,798 |
| Net loans and leases to total assets | 71.8731% | 2,487 |
| Net loans and leases to deposits | 83.0083% | 3,106 |
| Net loans and leases to core deposits | 87.1435% | 3,725 |
| Total domestic deposits to total assets | 86.5854% | 2,855 |
| Equity capital to assets | 8.4375% | 6,091 |
| Core capital (leverage) ratio | 8.4668% | 5,427 |
| Tier 1 risk-based capital ratio | 11.7602% | 5,442 |
| Total risk-based capital ratio | 12.9830% | 5,412 |
| Memoranda: | ||
| Average total assets | $561,333,500 | 1,238 |
| Average earning assets | $507,413,500 | 1,255 |
| Average equity | $47,564,000 | 1,412 |
| Average total loans | $414,523,500 | 1,136 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3057% | 1,019 |
| Cost of funding earning assets | 1.7844% | 4,078 |
| Net interest margin | 4.5212% | 1,134 |
| Noninterest income to average assets | 1.2135% | 1,043 |
| Noninterest expense to average assets | 4.0324% | 1,320 |
| Loan and lease loss provision to assets | 0.5825% | 3,464 |
| Net operating income to assets | 0.4995% | 3,734 |
| Return on assets (ROA) | 0.4995% | 3,828 |
| Pretax return on assets | 0.6977% | 3,583 |
| Return on Equity (ROE) | 5.8337% | 3,281 |
| Retained earnings to average equity (ytd only) | 2.3526% | 3,475 |
| Net charge-offs to loans | 0.5558% | 3,557 |
| Credit loss provision to net charge-offs | 139.2157% | 3,517 |
| Earnings coverage of net charge-offs (x) | 3.0597% | 3,540 |
| Efficiency ratio | 75.9025% | 3,545 |
| Assets per employee ($millions) | 2.7026% | 6,849 |
| Cash dividends to net income (ytd only)* | 59.6715% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 5,358 |
| Loan loss allowance to noncurrent loans | 121.4650% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 1.0217% | 5,068 |
| Noncurrent loans to loans | 0.9879% | 5,343 |
| Net loans and leases to total assets | 74.0647% | 2,260 |
| Net loans and leases to deposits | 85.5261% | 2,996 |
| Net loans and leases to core deposits | 102.2255% | 3,783 |
| Total domestic deposits to total assets | 86.5989% | 2,705 |
| Equity capital to assets | 8.5099% | 5,863 |
| Core capital (leverage) ratio | 8.5868% | 5,124 |
| Tier 1 risk-based capital ratio | 11.5526% | 5,342 |
| Total risk-based capital ratio | 12.7789% | 5,327 |
| Memoranda: | ||
| Average total assets | $548,502,000 | 1,263 |
| Average earning assets | $497,298,000 | 1,267 |
| Average equity | $46,968,400 | 1,433 |
| Average total loans | $412,885,800 | 1,170 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3217% | 1,086 |
| Cost of funding earning assets | 1.8630% | 4,085 |
| Net interest margin | 4.4587% | 1,300 |
| Noninterest income to average assets | 1.1846% | 1,114 |
| Noninterest expense to average assets | 4.0686% | 1,187 |
| Loan and lease loss provision to assets | 0.5490% | 3,190 |
| Net operating income to assets | 0.4397% | 4,232 |
| Return on assets (ROA) | 0.4397% | 4,338 |
| Pretax return on assets | 0.6127% | 4,151 |
| Return on Equity (ROE) | 5.1266% | 3,910 |
| Retained earnings to average equity (ytd only) | 3.1351% | 3,567 |
| Net charge-offs to loans | 0.5657% | 2,990 |
| Credit loss provision to net charge-offs | 128.7922% | 3,892 |
| Earnings coverage of net charge-offs (x) | 2.7252% | 3,866 |
| Efficiency ratio | 77.7897% | 3,200 |
| Assets per employee ($millions) | 2.6529% | 6,938 |
| Cash dividends to net income (ytd only)* | 38.8457% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1155% | 5,626 |
| Loan loss allowance to noncurrent loans | 112.0535% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 1.1055% | 4,868 |
| Noncurrent loans to loans | 0.9955% | 5,316 |
| Net loans and leases to total assets | 75.1561% | 2,210 |
| Net loans and leases to deposits | 87.6912% | 3,023 |
| Net loans and leases to core deposits | 105.0174% | 3,818 |
| Total domestic deposits to total assets | 85.7055% | 2,864 |
| Equity capital to assets | 8.7135% | 5,937 |
| Core capital (leverage) ratio | 8.5127% | 5,467 |
| Tier 1 risk-based capital ratio | 11.5869% | 5,355 |
| Total risk-based capital ratio | 12.7194% | 5,404 |
| Memoranda: | ||
| Average total assets | $546,442,750 | 1,282 |
| Average earning assets | $495,823,250 | 1,285 |
| Average equity | $46,866,000 | 1,460 |
| Average total loans | $411,768,500 | 1,189 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3114% | 1,179 |
| Cost of funding earning assets | 1.9068% | 4,225 |
| Net interest margin | 4.4046% | 1,400 |
| Noninterest income to average assets | 1.1628% | 1,158 |
| Noninterest expense to average assets | 4.0580% | 1,239 |
| Loan and lease loss provision to assets | 0.5481% | 2,828 |
| Net operating income to assets | 0.4005% | 4,511 |
| Return on assets (ROA) | 0.4005% | 4,624 |
| Pretax return on assets | 0.5518% | 4,463 |
| Return on Equity (ROE) | 4.6946% | 4,219 |
| Retained earnings to average equity (ytd only) | 2.7628% | 3,791 |
| Net charge-offs to loans | 0.6390% | 2,442 |
| Credit loss provision to net charge-offs | 114.1553% | 4,060 |
| Earnings coverage of net charge-offs (x) | 2.2907% | 3,921 |
| Efficiency ratio | 78.6752% | 3,241 |
| Assets per employee ($millions) | 2.6645% | 6,916 |
| Cash dividends to net income (ytd only)* | 41.1496% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 5,981 |
| Loan loss allowance to noncurrent loans | 264.0836% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.7606% | 5,501 |
| Noncurrent loans to loans | 0.3927% | 6,529 |
| Net loans and leases to total assets | 72.8941% | 2,975 |
| Net loans and leases to deposits | 85.6848% | 3,603 |
| Net loans and leases to core deposits | 102.3325% | 4,258 |
| Total domestic deposits to total assets | 85.0724% | 3,226 |
| Equity capital to assets | 8.3261% | 6,300 |
| Core capital (leverage) ratio | 8.3769% | 5,662 |
| Tier 1 risk-based capital ratio | 11.4389% | 5,457 |
| Total risk-based capital ratio | 12.4903% | 5,566 |
| Memoranda: | ||
| Average total assets | $547,309,000 | 1,293 |
| Average earning assets | $496,434,000 | 1,304 |
| Average equity | $46,692,000 | 1,476 |
| Average total loans | $411,243,670 | 1,223 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4255% | 1,005 |
| Cost of funding earning assets | 1.9820% | 4,226 |
| Net interest margin | 4.4435% | 1,240 |
| Noninterest income to average assets | 1.0477% | 1,358 |
| Noninterest expense to average assets | 3.9529% | 1,243 |
| Loan and lease loss provision to assets | 0.5557% | 2,258 |
| Net operating income to assets | 0.4112% | 4,816 |
| Return on assets (ROA) | 0.4112% | 4,994 |
| Pretax return on assets | 0.5690% | 4,846 |
| Return on Equity (ROE) | 4.7606% | 4,570 |
| Retained earnings to average equity (ytd only) | 4.7606% | 3,254 |
| Net charge-offs to loans | 0.6061% | 1,963 |
| Credit loss provision to net charge-offs | 120.7729% | 3,262 |
| Earnings coverage of net charge-offs (x) | 2.4444% | 3,515 |
| Efficiency ratio | 77.8491% | 3,190 |
| Assets per employee ($millions) | 2.5446% | 7,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0255% | 5,982 |
| Loan loss allowance to noncurrent loans | 102.2936% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.9128% | 4,911 |
| Noncurrent loans to loans | 1.0025% | 4,991 |
| Net loans and leases to total assets | 74.0556% | 2,741 |
| Net loans and leases to deposits | 86.7995% | 3,512 |
| Net loans and leases to core deposits | 104.6737% | 4,062 |
| Total domestic deposits to total assets | 85.3180% | 3,053 |
| Equity capital to assets | 8.4834% | 6,099 |
| Core capital (leverage) ratio | 8.6585% | 5,237 |
| Tier 1 risk-based capital ratio | 11.3901% | 5,517 |
| Total risk-based capital ratio | 12.4259% | 5,642 |
| Memoranda: | ||
| Average total assets | $539,860,500 | 1,315 |
| Average earning assets | $489,614,500 | 1,324 |
| Average equity | $46,633,000 | 1,483 |
| Average total loans | $409,811,000 | 1,232 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1391% | 835 |
| Cost of funding earning assets | 2.5333% | 4,035 |
| Net interest margin | 4.6058% | 1,161 |
| Noninterest income to average assets | 1.2398% | 968 |
| Noninterest expense to average assets | 4.0044% | 1,414 |
| Loan and lease loss provision to assets | 0.3635% | 3,509 |
| Net operating income to assets | 0.6606% | 4,062 |
| Return on assets (ROA) | 0.6642% | 3,895 |
| Pretax return on assets | 1.0294% | 3,273 |
| Return on Equity (ROE) | 7.5390% | 3,265 |
| Retained earnings to average equity (ytd only) | 2.2409% | 3,819 |
| Net charge-offs to loans | 0.4425% | 2,611 |
| Credit loss provision to net charge-offs | 109.1754% | 4,927 |
| Earnings coverage of net charge-offs (x) | 4.1672% | 4,080 |
| Efficiency ratio | 74.2676% | 3,528 |
| Assets per employee ($millions) | 2.3763% | 7,440 |
| Cash dividends to net income (ytd only)* | 70.2766% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0107% | 5,932 |
| Loan loss allowance to noncurrent loans | 144.6988% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.7046% | 5,117 |
| Noncurrent loans to loans | 0.6985% | 5,286 |
| Net loans and leases to total assets | 76.2702% | 2,550 |
| Net loans and leases to deposits | 89.8519% | 3,478 |
| Net loans and leases to core deposits | 108.0816% | 3,959 |
| Total domestic deposits to total assets | 84.8844% | 2,894 |
| Equity capital to assets | 8.7998% | 5,652 |
| Core capital (leverage) ratio | 8.9269% | 4,850 |
| Tier 1 risk-based capital ratio | 11.4808% | 5,254 |
| Total risk-based capital ratio | 12.5052% | 5,365 |
| Memoranda: | ||
| Average total assets | $517,200,000 | 1,301 |
| Average earning assets | $466,264,000 | 1,337 |
| Average equity | $45,562,800 | 1,489 |
| Average total loans | $389,166,200 | 1,246 |