Home > Southwest National Bank > Performance and Condition Ratios
Southwest National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7587% | 876 |
| Cost of funding earning assets | 1.8902% | 1,087 |
| Net interest margin | 3.8685% | 1,446 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 3.0718% | 1,007 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.0471% | 2,071 |
| Return on assets (ROA) | 1.0648% | 1,992 |
| Pretax return on assets | 1.1074% | 2,397 |
| Return on Equity (ROE) | 12.4000% | 1,863 |
| Retained earnings to average equity (ytd only) | 3.1370% | 3,232 |
| Net charge-offs to loans | 0.1863% | 574 |
| Credit loss provision to net charge-offs | 82.8004% | 2,002 |
| Earnings coverage of net charge-offs (x) | 7.5601% | 2,395 |
| Efficiency ratio | 71.5241% | 1,708 |
| Assets per employee ($millions) | 5.0609% | 3,596 |
| Cash dividends to net income (ytd only)* | 74.7069% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 2,986 |
| Loan loss allowance to noncurrent loans | 809.3558% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 1.2413% | 345 |
| Noncurrent loans to loans | 0.1321% | 2,852 |
| Net loans and leases to total assets | 86.1700% | 151 |
| Net loans and leases to deposits | 101.0577% | 476 |
| Net loans and leases to core deposits | 116.3386% | 733 |
| Total domestic deposits to total assets | 85.2700% | 2,222 |
| Equity capital to assets | 8.7578% | 2,856 |
| Core capital (leverage) ratio | 9.2106% | 3,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0468% | 2,811 |
| Memoranda: | ||
| Average total assets | $560,684,400 | 1,583 |
| Average earning assets | $522,578,800 | 1,568 |
| Average equity | $48,135,400 | 1,656 |
| Average total loans | $486,758,200 | 1,261 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6735% | 824 |
| Cost of funding earning assets | 1.7537% | 1,091 |
| Net interest margin | 3.9198% | 1,361 |
| Noninterest income to average assets | 0.6800% | 1,252 |
| Noninterest expense to average assets | 3.0853% | 947 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.0828% | 2,108 |
| Return on assets (ROA) | 1.1062% | 2,016 |
| Pretax return on assets | 1.1486% | 2,424 |
| Return on Equity (ROE) | 12.9500% | 1,907 |
| Retained earnings to average equity (ytd only) | 3.5706% | 3,363 |
| Net charge-offs to loans | 0.1726% | 499 |
| Credit loss provision to net charge-offs | 83.4395% | 1,737 |
| Earnings coverage of net charge-offs (x) | 8.3424% | 2,199 |
| Efficiency ratio | 71.1794% | 1,657 |
| Assets per employee ($millions) | 5.0910% | 3,533 |
| Cash dividends to net income (ytd only)* | 72.4294% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 2,998 |
| Loan loss allowance to noncurrent loans | 1,161.0022% | 786 |
| Noncurrent assets plus other real estate owned to assets | 1.2109% | 370 |
| Noncurrent loans to loans | 0.0925% | 3,116 |
| Net loans and leases to total assets | 86.8400% | 126 |
| Net loans and leases to deposits | 103.2810% | 377 |
| Net loans and leases to core deposits | 116.5305% | 648 |
| Total domestic deposits to total assets | 84.0800% | 2,753 |
| Equity capital to assets | 8.5401% | 2,704 |
| Core capital (leverage) ratio | 9.2585% | 3,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9791% | 2,823 |
| Memoranda: | ||
| Average total assets | $559,149,750 | 1,581 |
| Average earning assets | $521,028,750 | 1,574 |
| Average equity | $47,759,000 | 1,650 |
| Average total loans | $485,019,500 | 1,258 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6337% | 703 |
| Cost of funding earning assets | 1.6315% | 995 |
| Net interest margin | 4.0022% | 1,237 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 3.1283% | 871 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.1200% | 2,062 |
| Return on assets (ROA) | 1.1555% | 1,950 |
| Pretax return on assets | 1.1961% | 2,368 |
| Return on Equity (ROE) | 13.5300% | 1,785 |
| Retained earnings to average equity (ytd only) | -0.5925% | 4,172 |
| Net charge-offs to loans | 0.1529% | 510 |
| Credit loss provision to net charge-offs | 102.4457% | 1,423 |
| Earnings coverage of net charge-offs (x) | 9.8016% | 2,014 |
| Efficiency ratio | 70.7272% | 1,694 |
| Assets per employee ($millions) | 4.8995% | 3,675 |
| Cash dividends to net income (ytd only)* | 104.3802% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 2,896 |
| Loan loss allowance to noncurrent loans | 1,679.6296% | 664 |
| Noncurrent assets plus other real estate owned to assets | 1.2685% | 311 |
| Noncurrent loans to loans | 0.0662% | 3,228 |
| Net loans and leases to total assets | 86.6100% | 128 |
| Net loans and leases to deposits | 101.3907% | 456 |
| Net loans and leases to core deposits | 113.3882% | 701 |
| Total domestic deposits to total assets | 85.4200% | 2,416 |
| Equity capital to assets | 8.5351% | 2,838 |
| Core capital (leverage) ratio | 9.0365% | 3,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9424% | 2,854 |
| Memoranda: | ||
| Average total assets | $557,167,000 | 1,584 |
| Average earning assets | $519,265,333 | 1,575 |
| Average equity | $47,592,000 | 1,656 |
| Average total loans | $481,344,000 | 1,251 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4480% | 666 |
| Cost of funding earning assets | 1.4905% | 865 |
| Net interest margin | 3.9575% | 1,351 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 3.2152% | 780 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 0.9150% | 2,809 |
| Return on assets (ROA) | 0.9833% | 2,553 |
| Pretax return on assets | 1.0042% | 2,979 |
| Return on Equity (ROE) | 11.5100% | 2,351 |
| Retained earnings to average equity (ytd only) | 1.8338% | 3,727 |
| Net charge-offs to loans | 0.1843% | 393 |
| Credit loss provision to net charge-offs | 129.0909% | 1,009 |
| Earnings coverage of net charge-offs (x) | 7.2000% | 1,761 |
| Efficiency ratio | 73.8484% | 1,356 |
| Assets per employee ($millions) | 4.7266% | 3,862 |
| Cash dividends to net income (ytd only)* | 84.0643% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 2,897 |
| Loan loss allowance to noncurrent loans | 2,443.1111% | 504 |
| Noncurrent assets plus other real estate owned to assets | 1.2420% | 288 |
| Noncurrent loans to loans | 0.0463% | 3,405 |
| Net loans and leases to total assets | 85.4000% | 159 |
| Net loans and leases to deposits | 99.2577% | 473 |
| Net loans and leases to core deposits | 109.6062% | 717 |
| Total domestic deposits to total assets | 86.0300% | 2,579 |
| Equity capital to assets | 8.5823% | 2,829 |
| Core capital (leverage) ratio | 9.1916% | 3,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0256% | 2,942 |
| Memoranda: | ||
| Average total assets | $556,480,500 | 1,609 |
| Average earning assets | $518,211,500 | 1,600 |
| Average equity | $47,552,000 | 1,672 |
| Average total loans | $477,430,500 | 1,272 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6307% | 583 |
| Cost of funding earning assets | 0.5843% | 964 |
| Net interest margin | 4.0463% | 728 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 3.0703% | 873 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.2859% | 1,484 |
| Return on assets (ROA) | 1.2864% | 1,436 |
| Pretax return on assets | 1.3395% | 1,960 |
| Return on Equity (ROE) | 14.2400% | 1,479 |
| Retained earnings to average equity (ytd only) | 3.5004% | 3,564 |
| Net charge-offs to loans | 0.0441% | 1,244 |
| Credit loss provision to net charge-offs | 342.3469% | 846 |
| Earnings coverage of net charge-offs (x) | 38.8571% | 1,522 |
| Efficiency ratio | 67.6493% | 2,005 |
| Assets per employee ($millions) | 4.7456% | 3,859 |
| Cash dividends to net income (ytd only)* | 75.4233% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 2,599 |
| Loan loss allowance to noncurrent loans | 2,050.1887% | 590 |
| Noncurrent assets plus other real estate owned to assets | 1.2763% | 288 |
| Noncurrent loans to loans | 0.0565% | 3,354 |
| Net loans and leases to total assets | 84.2200% | 238 |
| Net loans and leases to deposits | 97.9729% | 523 |
| Net loans and leases to core deposits | 106.6008% | 725 |
| Total domestic deposits to total assets | 85.9600% | 2,736 |
| Equity capital to assets | 8.5071% | 2,698 |
| Core capital (leverage) ratio | 9.1742% | 3,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0048% | 2,972 |
| Memoranda: | ||
| Average total assets | $518,718,400 | 1,681 |
| Average earning assets | $487,726,200 | 1,660 |
| Average equity | $46,852,200 | 1,710 |
| Average total loans | $444,460,000 | 1,282 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4682% | 520 |
| Cost of funding earning assets | 0.4353% | 1,067 |
| Net interest margin | 4.0329% | 602 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 3.1196% | 761 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.2611% | 1,489 |
| Return on assets (ROA) | 1.2618% | 1,453 |
| Pretax return on assets | 1.3120% | 2,007 |
| Return on Equity (ROE) | 13.7500% | 1,497 |
| Retained earnings to average equity (ytd only) | 2.5637% | 3,902 |
| Net charge-offs to loans | 0.0301% | 1,233 |
| Credit loss provision to net charge-offs | 557.5758% | 576 |
| Earnings coverage of net charge-offs (x) | 56.3131% | 1,215 |
| Efficiency ratio | 68.1901% | 1,991 |
| Assets per employee ($millions) | 4.7844% | 3,852 |
| Cash dividends to net income (ytd only)* | 81.3612% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 2,660 |
| Loan loss allowance to noncurrent loans | 86.6176% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.1763% | 359 |
| Noncurrent loans to loans | 1.3580% | 537 |
| Net loans and leases to total assets | 85.6000% | 149 |
| Net loans and leases to deposits | 100.6110% | 343 |
| Net loans and leases to core deposits | 107.2630% | 555 |
| Total domestic deposits to total assets | 85.0800% | 3,263 |
| Equity capital to assets | 8.6135% | 2,473 |
| Core capital (leverage) ratio | 9.4127% | 3,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1814% | 3,010 |
| Memoranda: | ||
| Average total assets | $510,775,250 | 1,702 |
| Average earning assets | $482,124,750 | 1,680 |
| Average equity | $46,857,500 | 1,725 |
| Average total loans | $438,315,000 | 1,287 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4060% | 431 |
| Cost of funding earning assets | 0.3645% | 1,158 |
| Net interest margin | 4.0415% | 454 |
| Noninterest income to average assets | 0.8075% | 1,024 |
| Noninterest expense to average assets | 3.1563% | 674 |
| Loan and lease loss provision to assets | 0.1607% | 579 |
| Net operating income to assets | 1.2587% | 1,257 |
| Return on assets (ROA) | 1.2591% | 1,241 |
| Pretax return on assets | 1.3055% | 1,729 |
| Return on Equity (ROE) | 13.4368% | 1,258 |
| Retained earnings to average equity (ytd only) | 1.4398% | 3,891 |
| Net charge-offs to loans | 0.0051% | 1,832 |
| Credit loss provision to net charge-offs | 3,681.8182% | 148 |
| Earnings coverage of net charge-offs (x) | 335.8182% | 367 |
| Efficiency ratio | 68.2864% | 2,197 |
| Assets per employee ($millions) | 4.5365% | 4,046 |
| Cash dividends to net income (ytd only)* | 89.2846% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 2,513 |
| Loan loss allowance to noncurrent loans | 81.6975% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 1.2894% | 311 |
| Noncurrent loans to loans | 1.5088% | 493 |
| Net loans and leases to total assets | 84.4014% | 171 |
| Net loans and leases to deposits | 96.1878% | 427 |
| Net loans and leases to core deposits | 99.1664% | 701 |
| Total domestic deposits to total assets | 87.7465% | 2,678 |
| Equity capital to assets | 9.0062% | 2,382 |
| Core capital (leverage) ratio | 9.6258% | 2,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8317% | 2,854 |
| Memoranda: | ||
| Average total assets | $504,009,667 | 1,718 |
| Average earning assets | $475,711,000 | 1,707 |
| Average equity | $47,228,667 | 1,755 |
| Average total loans | $431,076,667 | 1,301 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4452% | 357 |
| Cost of funding earning assets | 0.3703% | 1,061 |
| Net interest margin | 4.0749% | 356 |
| Noninterest income to average assets | 0.9212% | 808 |
| Noninterest expense to average assets | 3.2384% | 577 |
| Loan and lease loss provision to assets | 0.1299% | 629 |
| Net operating income to assets | 1.3618% | 878 |
| Return on assets (ROA) | 1.3618% | 865 |
| Pretax return on assets | 1.4025% | 1,247 |
| Return on Equity (ROE) | 14.2525% | 784 |
| Retained earnings to average equity (ytd only) | 1.1759% | 3,781 |
| Net charge-offs to loans | 0.0140% | 1,264 |
| Credit loss provision to net charge-offs | 1,086.6667% | 315 |
| Earnings coverage of net charge-offs (x) | 128.2000% | 590 |
| Efficiency ratio | 67.8804% | 2,523 |
| Assets per employee ($millions) | 4.5229% | 4,122 |
| Cash dividends to net income (ytd only)* | 91.7496% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 2,931 |
| Loan loss allowance to noncurrent loans | 89.9577% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.1106% | 423 |
| Noncurrent loans to loans | 1.3180% | 664 |
| Net loans and leases to total assets | 83.2618% | 111 |
| Net loans and leases to deposits | 94.2546% | 348 |
| Net loans and leases to core deposits | 96.7624% | 624 |
| Total domestic deposits to total assets | 88.3371% | 2,369 |
| Equity capital to assets | 9.2239% | 2,507 |
| Core capital (leverage) ratio | 9.6768% | 2,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9170% | 2,910 |
| Memoranda: | ||
| Average total assets | $501,972,000 | 1,725 |
| Average earning assets | $474,219,000 | 1,717 |
| Average equity | $47,963,500 | 1,793 |
| Average total loans | $429,523,500 | 1,295 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6682% | 445 |
| Cost of funding earning assets | 0.5066% | 906 |
| Net interest margin | 4.1615% | 524 |
| Noninterest income to average assets | 0.6836% | 1,820 |
| Noninterest expense to average assets | 2.9587% | 1,050 |
| Loan and lease loss provision to assets | 0.2556% | 358 |
| Net operating income to assets | 1.3402% | 1,474 |
| Return on assets (ROA) | 1.3411% | 1,507 |
| Pretax return on assets | 1.3970% | 2,063 |
| Return on Equity (ROE) | 14.3584% | 1,091 |
| Retained earnings to average equity (ytd only) | 3.7578% | 3,308 |
| Net charge-offs to loans | 0.2860% | 309 |
| Credit loss provision to net charge-offs | 105.0040% | 1,750 |
| Earnings coverage of net charge-offs (x) | 6.7840% | 2,382 |
| Efficiency ratio | 64.1752% | 2,535 |
| Assets per employee ($millions) | 4.3616% | 4,223 |
| Cash dividends to net income (ytd only)* | 73.8284% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 3,087 |
| Loan loss allowance to noncurrent loans | 2,253.6364% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 3,683 |
| Noncurrent loans to loans | 0.0514% | 3,712 |
| Net loans and leases to total assets | 85.9159% | 66 |
| Net loans and leases to deposits | 98.4161% | 237 |
| Net loans and leases to core deposits | 101.2961% | 482 |
| Total domestic deposits to total assets | 87.2987% | 2,390 |
| Equity capital to assets | 9.8983% | 2,753 |
| Core capital (leverage) ratio | 9.5228% | 2,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9626% | 2,902 |
| Memoranda: | ||
| Average total assets | $517,113,400 | 1,656 |
| Average earning assets | $487,943,200 | 1,640 |
| Average equity | $48,299,400 | 1,811 |
| Average total loans | $440,281,200 | 1,288 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6526% | 523 |
| Cost of funding earning assets | 0.5422% | 865 |
| Net interest margin | 4.1104% | 639 |
| Noninterest income to average assets | 0.6764% | 1,905 |
| Noninterest expense to average assets | 2.9761% | 1,013 |
| Loan and lease loss provision to assets | 0.2928% | 275 |
| Net operating income to assets | 1.2335% | 2,047 |
| Return on assets (ROA) | 1.2345% | 2,110 |
| Pretax return on assets | 1.2839% | 2,664 |
| Return on Equity (ROE) | 13.4055% | 1,574 |
| Retained earnings to average equity (ytd only) | 3.5396% | 3,733 |
| Net charge-offs to loans | 0.3201% | 239 |
| Credit loss provision to net charge-offs | 107.9887% | 1,531 |
| Earnings coverage of net charge-offs (x) | 5.8111% | 2,208 |
| Efficiency ratio | 65.3827% | 2,187 |
| Assets per employee ($millions) | 4.5587% | 4,083 |
| Cash dividends to net income (ytd only)* | 73.5962% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 3,214 |
| Loan loss allowance to noncurrent loans | 597.8391% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.1646% | 3,024 |
| Noncurrent loans to loans | 0.1921% | 3,175 |
| Net loans and leases to total assets | 84.7314% | 94 |
| Net loans and leases to deposits | 96.2510% | 340 |
| Net loans and leases to core deposits | 98.7169% | 636 |
| Total domestic deposits to total assets | 88.0317% | 1,825 |
| Equity capital to assets | 9.6032% | 3,285 |
| Core capital (leverage) ratio | 9.0626% | 3,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $523,176,500 | 1,654 |
| Average earning assets | $493,271,000 | 1,637 |
| Average equity | $48,178,000 | 1,836 |
| Average total loans | $443,250,500 | 1,300 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7473% | 500 |
| Cost of funding earning assets | 0.5765% | 834 |
| Net interest margin | 4.1709% | 613 |
| Noninterest income to average assets | 0.6640% | 1,953 |
| Noninterest expense to average assets | 2.9949% | 995 |
| Loan and lease loss provision to assets | 0.3850% | 178 |
| Net operating income to assets | 1.1617% | 2,328 |
| Return on assets (ROA) | 1.1624% | 2,384 |
| Pretax return on assets | 1.2055% | 2,890 |
| Return on Equity (ROE) | 12.7978% | 1,785 |
| Retained earnings to average equity (ytd only) | 3.1599% | 3,792 |
| Net charge-offs to loans | 0.4803% | 173 |
| Credit loss provision to net charge-offs | 94.9627% | 1,414 |
| Earnings coverage of net charge-offs (x) | 3.9216% | 2,050 |
| Efficiency ratio | 65.3250% | 2,250 |
| Assets per employee ($millions) | 4.5798% | 4,039 |
| Cash dividends to net income (ytd only)* | 75.3090% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1087% | 3,376 |
| Loan loss allowance to noncurrent loans | 41.0602% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 2.2386% | 171 |
| Noncurrent loans to loans | 2.7003% | 287 |
| Net loans and leases to total assets | 81.9821% | 221 |
| Net loans and leases to deposits | 92.5417% | 516 |
| Net loans and leases to core deposits | 98.3137% | 706 |
| Total domestic deposits to total assets | 88.5894% | 1,518 |
| Equity capital to assets | 9.1286% | 3,676 |
| Core capital (leverage) ratio | 8.8133% | 3,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $528,895,333 | 1,630 |
| Average earning assets | $497,162,333 | 1,611 |
| Average equity | $48,039,333 | 1,828 |
| Average total loans | $446,421,333 | 1,298 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1018% | 308 |
| Cost of funding earning assets | 0.6073% | 851 |
| Net interest margin | 4.4945% | 360 |
| Noninterest income to average assets | 0.6174% | 2,137 |
| Noninterest expense to average assets | 3.1162% | 820 |
| Loan and lease loss provision to assets | 0.1774% | 696 |
| Net operating income to assets | 1.4822% | 1,368 |
| Return on assets (ROA) | 1.4822% | 1,435 |
| Pretax return on assets | 1.5298% | 1,917 |
| Return on Equity (ROE) | 16.3599% | 950 |
| Retained earnings to average equity (ytd only) | 5.6560% | 3,015 |
| Net charge-offs to loans | 0.1746% | 453 |
| Credit loss provision to net charge-offs | 119.2893% | 1,045 |
| Earnings coverage of net charge-offs (x) | 11.4822% | 1,450 |
| Efficiency ratio | 64.6065% | 2,396 |
| Assets per employee ($millions) | 4.7578% | 3,876 |
| Cash dividends to net income (ytd only)* | 65.4277% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 3,509 |
| Loan loss allowance to noncurrent loans | 44.5337% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 2.0423% | 243 |
| Noncurrent loans to loans | 2.4365% | 390 |
| Net loans and leases to total assets | 82.9107% | 184 |
| Net loans and leases to deposits | 93.1845% | 534 |
| Net loans and leases to core deposits | 101.2614% | 661 |
| Total domestic deposits to total assets | 88.9747% | 1,354 |
| Equity capital to assets | 8.8272% | 3,857 |
| Core capital (leverage) ratio | 8.9447% | 3,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $530,005,500 | 1,608 |
| Average earning assets | $495,980,000 | 1,603 |
| Average equity | $48,020,000 | 1,820 |
| Average total loans | $451,322,000 | 1,285 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1248% | 388 |
| Cost of funding earning assets | 0.9018% | 853 |
| Net interest margin | 4.2230% | 605 |
| Noninterest income to average assets | 0.6368% | 2,078 |
| Noninterest expense to average assets | 2.7785% | 2,002 |
| Loan and lease loss provision to assets | 0.2963% | 1,271 |
| Net operating income to assets | 1.4814% | 855 |
| Return on assets (ROA) | 1.5069% | 866 |
| Pretax return on assets | 1.5728% | 1,127 |
| Return on Equity (ROE) | 16.4755% | 458 |
| Retained earnings to average equity (ytd only) | 5.9194% | 1,832 |
| Net charge-offs to loans | 0.1139% | 1,342 |
| Credit loss provision to net charge-offs | 310.5263% | 1,699 |
| Earnings coverage of net charge-offs (x) | 19.3095% | 1,987 |
| Efficiency ratio | 60.1269% | 3,439 |
| Assets per employee ($millions) | 4.2779% | 4,143 |
| Cash dividends to net income (ytd only)* | 64.0715% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 3,500 |
| Loan loss allowance to noncurrent loans | 77.0017% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 1.2281% | 692 |
| Noncurrent loans to loans | 1.4189% | 948 |
| Net loans and leases to total assets | 85.6064% | 111 |
| Net loans and leases to deposits | 99.6129% | 388 |
| Net loans and leases to core deposits | 110.7184% | 488 |
| Total domestic deposits to total assets | 85.9391% | 2,390 |
| Equity capital to assets | 9.3045% | 3,781 |
| Core capital (leverage) ratio | 9.0149% | 3,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $497,783,000 | 1,558 |
| Average earning assets | $469,639,000 | 1,540 |
| Average equity | $45,528,200 | 1,834 |
| Average total loans | $417,157,000 | 1,305 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1708% | 439 |
| Cost of funding earning assets | 0.9647% | 863 |
| Net interest margin | 4.2060% | 719 |
| Noninterest income to average assets | 0.5863% | 2,228 |
| Noninterest expense to average assets | 2.7512% | 2,116 |
| Loan and lease loss provision to assets | 0.3951% | 902 |
| Net operating income to assets | 1.3531% | 1,223 |
| Return on assets (ROA) | 1.3554% | 1,319 |
| Pretax return on assets | 1.4163% | 1,676 |
| Return on Equity (ROE) | 14.8872% | 711 |
| Retained earnings to average equity (ytd only) | 4.3800% | 2,855 |
| Net charge-offs to loans | 0.1208% | 1,157 |
| Credit loss provision to net charge-offs | 393.5310% | 1,477 |
| Earnings coverage of net charge-offs (x) | 18.0216% | 1,979 |
| Efficiency ratio | 60.3322% | 3,345 |
| Assets per employee ($millions) | 4.5095% | 3,840 |
| Cash dividends to net income (ytd only)* | 70.5788% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 3,050 |
| Loan loss allowance to noncurrent loans | 548.2948% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 3,553 |
| Noncurrent loans to loans | 0.2057% | 3,560 |
| Net loans and leases to total assets | 84.2693% | 253 |
| Net loans and leases to deposits | 95.5383% | 792 |
| Net loans and leases to core deposits | 105.6444% | 859 |
| Total domestic deposits to total assets | 88.2047% | 1,109 |
| Equity capital to assets | 8.9399% | 4,156 |
| Core capital (leverage) ratio | 8.8345% | 3,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $492,823,750 | 1,552 |
| Average earning assets | $465,607,000 | 1,525 |
| Average equity | $44,869,750 | 1,844 |
| Average total loans | $409,443,500 | 1,319 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2645% | 506 |
| Cost of funding earning assets | 1.0470% | 848 |
| Net interest margin | 4.2175% | 889 |
| Noninterest income to average assets | 0.6191% | 2,064 |
| Noninterest expense to average assets | 2.8255% | 2,038 |
| Loan and lease loss provision to assets | 0.4300% | 915 |
| Net operating income to assets | 1.2879% | 1,390 |
| Return on assets (ROA) | 1.2907% | 1,494 |
| Pretax return on assets | 1.3427% | 1,890 |
| Return on Equity (ROE) | 14.0854% | 871 |
| Retained earnings to average equity (ytd only) | 4.2324% | 2,807 |
| Net charge-offs to loans | 0.1239% | 1,102 |
| Credit loss provision to net charge-offs | 421.4575% | 1,359 |
| Earnings coverage of net charge-offs (x) | 17.3482% | 1,820 |
| Efficiency ratio | 61.4866% | 3,205 |
| Assets per employee ($millions) | 4.7428% | 3,480 |
| Cash dividends to net income (ytd only)* | 69.9520% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1088% | 3,005 |
| Loan loss allowance to noncurrent loans | 1,651.0563% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 4,272 |
| Noncurrent loans to loans | 0.0672% | 4,200 |
| Net loans and leases to total assets | 77.3498% | 945 |
| Net loans and leases to deposits | 87.1096% | 1,653 |
| Net loans and leases to core deposits | 96.3147% | 1,554 |
| Total domestic deposits to total assets | 88.7960% | 824 |
| Equity capital to assets | 8.4634% | 4,500 |
| Core capital (leverage) ratio | 9.1397% | 3,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $484,233,000 | 1,546 |
| Average earning assets | $456,531,667 | 1,520 |
| Average equity | $44,372,333 | 1,847 |
| Average total loans | $398,591,000 | 1,327 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0730% | 842 |
| Cost of funding earning assets | 1.2333% | 687 |
| Net interest margin | 3.8397% | 1,848 |
| Noninterest income to average assets | 0.7763% | 1,379 |
| Noninterest expense to average assets | 2.9184% | 2,075 |
| Loan and lease loss provision to assets | 0.2263% | 1,368 |
| Net operating income to assets | 1.2089% | 1,487 |
| Return on assets (ROA) | 1.2140% | 1,583 |
| Pretax return on assets | 1.2552% | 2,017 |
| Return on Equity (ROE) | 12.6744% | 942 |
| Retained earnings to average equity (ytd only) | 0.9524% | 3,756 |
| Net charge-offs to loans | 0.1667% | 794 |
| Credit loss provision to net charge-offs | 160.2484% | 1,553 |
| Earnings coverage of net charge-offs (x) | 10.4534% | 1,764 |
| Efficiency ratio | 66.4072% | 2,895 |
| Assets per employee ($millions) | 3.7527% | 4,221 |
| Cash dividends to net income (ytd only)* | 92.4855% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0250% | 3,575 |
| Loan loss allowance to noncurrent loans | 1,224.5399% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 4,240 |
| Noncurrent loans to loans | 0.0837% | 4,179 |
| Net loans and leases to total assets | 85.6011% | 162 |
| Net loans and leases to deposits | 98.0311% | 710 |
| Net loans and leases to core deposits | 113.8528% | 670 |
| Total domestic deposits to total assets | 87.3203% | 1,415 |
| Equity capital to assets | 9.6205% | 4,115 |
| Core capital (leverage) ratio | 9.5264% | 3,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $456,009,500 | 1,586 |
| Average earning assets | $429,725,000 | 1,558 |
| Average equity | $43,678,500 | 1,857 |
| Average total loans | $386,434,500 | 1,334 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0597% | 1,315 |
| Cost of funding earning assets | 1.3039% | 762 |
| Net interest margin | 3.7558% | 2,647 |
| Noninterest income to average assets | 0.8163% | 1,398 |
| Noninterest expense to average assets | 2.9126% | 2,257 |
| Loan and lease loss provision to assets | 0.1965% | 1,034 |
| Net operating income to assets | 1.1873% | 2,104 |
| Return on assets (ROA) | 1.1901% | 2,192 |
| Pretax return on assets | 1.2418% | 2,695 |
| Return on Equity (ROE) | 12.3923% | 1,365 |
| Retained earnings to average equity (ytd only) | 1.0197% | 4,376 |
| Net charge-offs to loans | 0.2159% | 945 |
| Credit loss provision to net charge-offs | 108.6797% | 2,293 |
| Earnings coverage of net charge-offs (x) | 7.9389% | 2,825 |
| Efficiency ratio | 66.9869% | 2,622 |
| Assets per employee ($millions) | 3.8475% | 4,099 |
| Cash dividends to net income (ytd only)* | 91.7719% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 3,407 |
| Loan loss allowance to noncurrent loans | 1,498.0769% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 4,346 |
| Noncurrent loans to loans | 0.0678% | 4,267 |
| Net loans and leases to total assets | 82.1971% | 538 |
| Net loans and leases to deposits | 92.3867% | 1,322 |
| Net loans and leases to core deposits | 111.5788% | 772 |
| Total domestic deposits to total assets | 88.9708% | 685 |
| Equity capital to assets | 9.5373% | 4,319 |
| Core capital (leverage) ratio | 9.5686% | 3,991 |
| Tier 1 risk-based capital ratio | 10.7545% | 4,945 |
| Total risk-based capital ratio | 11.7178% | 4,957 |
| Memoranda: | ||
| Average total assets | $452,409,600 | 1,549 |
| Average earning assets | $425,423,600 | 1,521 |
| Average equity | $43,446,200 | 1,807 |
| Average total loans | $378,900,000 | 1,329 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0677% | 1,364 |
| Cost of funding earning assets | 1.3093% | 761 |
| Net interest margin | 3.7584% | 2,722 |
| Noninterest income to average assets | 0.7835% | 1,473 |
| Noninterest expense to average assets | 2.9072% | 2,241 |
| Loan and lease loss provision to assets | 0.1997% | 884 |
| Net operating income to assets | 1.1643% | 2,320 |
| Return on assets (ROA) | 1.1680% | 2,391 |
| Pretax return on assets | 1.2181% | 2,925 |
| Return on Equity (ROE) | 12.1415% | 1,561 |
| Retained earnings to average equity (ytd only) | 1.7429% | 4,351 |
| Net charge-offs to loans | 0.1909% | 902 |
| Credit loss provision to net charge-offs | 124.5841% | 1,889 |
| Earnings coverage of net charge-offs (x) | 8.8225% | 2,619 |
| Efficiency ratio | 67.2791% | 2,528 |
| Assets per employee ($millions) | 3.7657% | 4,197 |
| Cash dividends to net income (ytd only)* | 85.6454% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 3,370 |
| Loan loss allowance to noncurrent loans | 684.6021% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.1290% | 4,080 |
| Noncurrent loans to loans | 0.1512% | 3,998 |
| Net loans and leases to total assets | 84.3949% | 306 |
| Net loans and leases to deposits | 97.0602% | 907 |
| Net loans and leases to core deposits | 118.5678% | 574 |
| Total domestic deposits to total assets | 86.9511% | 1,544 |
| Equity capital to assets | 9.8317% | 4,180 |
| Core capital (leverage) ratio | 9.7365% | 3,927 |
| Tier 1 risk-based capital ratio | 10.9296% | 4,947 |
| Total risk-based capital ratio | 11.9212% | 4,947 |
| Memoranda: | ||
| Average total assets | $450,086,750 | 1,560 |
| Average earning assets | $423,641,000 | 1,539 |
| Average equity | $43,299,250 | 1,817 |
| Average total loans | $377,775,000 | 1,340 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0468% | 1,360 |
| Cost of funding earning assets | 1.3024% | 733 |
| Net interest margin | 3.7444% | 2,777 |
| Noninterest income to average assets | 0.7645% | 1,463 |
| Noninterest expense to average assets | 2.9094% | 2,259 |
| Loan and lease loss provision to assets | 0.1886% | 942 |
| Net operating income to assets | 1.1379% | 2,379 |
| Return on assets (ROA) | 1.1434% | 2,432 |
| Pretax return on assets | 1.1905% | 2,935 |
| Return on Equity (ROE) | 11.9731% | 1,587 |
| Retained earnings to average equity (ytd only) | 2.8620% | 3,784 |
| Net charge-offs to loans | 0.1467% | 1,057 |
| Credit loss provision to net charge-offs | 153.9855% | 1,457 |
| Earnings coverage of net charge-offs (x) | 11.2138% | 2,218 |
| Efficiency ratio | 67.9341% | 2,541 |
| Assets per employee ($millions) | 3.7296% | 4,207 |
| Cash dividends to net income (ytd only)* | 76.0962% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0693% | 3,241 |
| Loan loss allowance to noncurrent loans | 926.1072% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 4,129 |
| Noncurrent loans to loans | 0.1155% | 4,156 |
| Net loans and leases to total assets | 82.8183% | 499 |
| Net loans and leases to deposits | 93.5783% | 1,302 |
| Net loans and leases to core deposits | 117.7988% | 612 |
| Total domestic deposits to total assets | 88.5016% | 877 |
| Equity capital to assets | 9.8973% | 4,062 |
| Core capital (leverage) ratio | 9.6850% | 3,949 |
| Tier 1 risk-based capital ratio | 11.2424% | 4,811 |
| Total risk-based capital ratio | 12.2654% | 4,820 |
| Memoranda: | ||
| Average total assets | $450,741,670 | 1,563 |
| Average earning assets | $423,515,670 | 1,543 |
| Average equity | $43,046,330 | 1,831 |
| Average total loans | $376,317,000 | 1,343 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9271% | 1,527 |
| Cost of funding earning assets | 1.2839% | 693 |
| Net interest margin | 3.6431% | 3,100 |
| Noninterest income to average assets | 0.7468% | 1,440 |
| Noninterest expense to average assets | 2.9036% | 2,272 |
| Loan and lease loss provision to assets | 0.2880% | 462 |
| Net operating income to assets | 0.9502% | 3,047 |
| Return on assets (ROA) | 0.9502% | 3,090 |
| Pretax return on assets | 0.9837% | 3,498 |
| Return on Equity (ROE) | 10.1300% | 2,311 |
| Retained earnings to average equity (ytd only) | 0.4506% | 4,444 |
| Net charge-offs to loans | 0.1584% | 848 |
| Credit loss provision to net charge-offs | 218.0000% | 996 |
| Earnings coverage of net charge-offs (x) | 9.6267% | 2,009 |
| Efficiency ratio | 69.5423% | 2,417 |
| Assets per employee ($millions) | 3.7672% | 4,242 |
| Cash dividends to net income (ytd only)* | 95.5514% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0606% | 3,354 |
| Loan loss allowance to noncurrent loans | 641.1859% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 3,987 |
| Noncurrent loans to loans | 0.1654% | 4,007 |
| Net loans and leases to total assets | 82.5602% | 519 |
| Net loans and leases to deposits | 92.8739% | 1,300 |
| Net loans and leases to core deposits | 117.3640% | 600 |
| Total domestic deposits to total assets | 88.8950% | 910 |
| Equity capital to assets | 9.4824% | 4,278 |
| Core capital (leverage) ratio | 9.4643% | 4,171 |
| Tier 1 risk-based capital ratio | 10.8717% | 5,031 |
| Total risk-based capital ratio | 11.8811% | 5,031 |
| Memoranda: | ||
| Average total assets | $454,199,000 | 1,563 |
| Average earning assets | $427,435,500 | 1,541 |
| Average equity | $42,606,000 | 1,831 |
| Average total loans | $378,704,000 | 1,343 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8870% | 1,327 |
| Cost of funding earning assets | 0.9910% | 788 |
| Net interest margin | 3.8960% | 2,340 |
| Noninterest income to average assets | 0.7489% | 1,645 |
| Noninterest expense to average assets | 2.8051% | 2,672 |
| Loan and lease loss provision to assets | 0.5872% | 190 |
| Net operating income to assets | 0.9819% | 3,093 |
| Return on assets (ROA) | 0.9819% | 3,090 |
| Pretax return on assets | 1.0257% | 3,526 |
| Return on Equity (ROE) | 10.3379% | 2,375 |
| Retained earnings to average equity (ytd only) | -0.7105% | 5,063 |
| Net charge-offs to loans | 0.6873% | 239 |
| Credit loss provision to net charge-offs | 101.1120% | 2,489 |
| Earnings coverage of net charge-offs (x) | 2.7772% | 3,488 |
| Efficiency ratio | 63.4911% | 3,266 |
| Assets per employee ($millions) | 3.8673% | 4,079 |
| Cash dividends to net income (ytd only)* | 106.8723% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 3,499 |
| Loan loss allowance to noncurrent loans | 409.7280% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 3,782 |
| Noncurrent loans to loans | 0.2515% | 3,681 |
| Net loans and leases to total assets | 82.4538% | 598 |
| Net loans and leases to deposits | 92.5804% | 1,460 |
| Net loans and leases to core deposits | 119.7020% | 555 |
| Total domestic deposits to total assets | 89.0619% | 829 |
| Equity capital to assets | 9.2795% | 4,340 |
| Core capital (leverage) ratio | 9.5822% | 4,025 |
| Tier 1 risk-based capital ratio | 10.7532% | 5,094 |
| Total risk-based capital ratio | 11.7318% | 5,083 |
| Memoranda: | ||
| Average total assets | $449,043,200 | 1,539 |
| Average earning assets | $422,893,800 | 1,518 |
| Average equity | $42,648,800 | 1,750 |
| Average total loans | $379,433,800 | 1,309 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7796% | 1,475 |
| Cost of funding earning assets | 0.9220% | 832 |
| Net interest margin | 3.8576% | 2,445 |
| Noninterest income to average assets | 0.7495% | 1,677 |
| Noninterest expense to average assets | 2.7863% | 2,685 |
| Loan and lease loss provision to assets | 0.3318% | 423 |
| Net operating income to assets | 1.2110% | 2,198 |
| Return on assets (ROA) | 1.2110% | 2,201 |
| Pretax return on assets | 1.2650% | 2,748 |
| Return on Equity (ROE) | 12.6762% | 1,549 |
| Retained earnings to average equity (ytd only) | 1.8755% | 4,619 |
| Net charge-offs to loans | 0.3512% | 465 |
| Credit loss provision to net charge-offs | 111.4114% | 2,094 |
| Earnings coverage of net charge-offs (x) | 5.3613% | 2,962 |
| Efficiency ratio | 63.5696% | 3,258 |
| Assets per employee ($millions) | 3.8237% | 4,145 |
| Cash dividends to net income (ytd only)* | 85.2044% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 3,495 |
| Loan loss allowance to noncurrent loans | 752.2556% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.1189% | 4,381 |
| Noncurrent loans to loans | 0.1389% | 4,260 |
| Net loans and leases to total assets | 84.7104% | 379 |
| Net loans and leases to deposits | 97.0434% | 1,039 |
| Net loans and leases to core deposits | 131.3170% | 308 |
| Total domestic deposits to total assets | 87.2913% | 1,601 |
| Equity capital to assets | 9.5733% | 4,014 |
| Core capital (leverage) ratio | 9.6811% | 3,964 |
| Tier 1 risk-based capital ratio | 10.9659% | 5,051 |
| Total risk-based capital ratio | 11.9644% | 5,069 |
| Memoranda: | ||
| Average total assets | $447,219,250 | 1,550 |
| Average earning assets | $421,248,000 | 1,531 |
| Average equity | $42,724,500 | 1,751 |
| Average total loans | $379,245,750 | 1,312 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6302% | 1,692 |
| Cost of funding earning assets | 0.8581% | 885 |
| Net interest margin | 3.7720% | 2,660 |
| Noninterest income to average assets | 0.7451% | 1,669 |
| Noninterest expense to average assets | 2.7703% | 2,762 |
| Loan and lease loss provision to assets | 0.3685% | 343 |
| Net operating income to assets | 1.1061% | 2,558 |
| Return on assets (ROA) | 1.1061% | 2,565 |
| Pretax return on assets | 1.1548% | 3,113 |
| Return on Equity (ROE) | 11.5859% | 1,879 |
| Retained earnings to average equity (ytd only) | 1.7475% | 4,547 |
| Net charge-offs to loans | 0.3915% | 402 |
| Credit loss provision to net charge-offs | 111.3514% | 1,877 |
| Earnings coverage of net charge-offs (x) | 4.6027% | 2,777 |
| Efficiency ratio | 64.5208% | 3,243 |
| Assets per employee ($millions) | 3.8713% | 4,102 |
| Cash dividends to net income (ytd only)* | 84.9171% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 3,711 |
| Loan loss allowance to noncurrent loans | 1,034.3750% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.0841% | 4,588 |
| Noncurrent loans to loans | 0.0987% | 4,467 |
| Net loans and leases to total assets | 84.2911% | 425 |
| Net loans and leases to deposits | 97.9218% | 976 |
| Net loans and leases to core deposits | 132.8273% | 282 |
| Total domestic deposits to total assets | 86.0800% | 2,244 |
| Equity capital to assets | 9.3746% | 4,212 |
| Core capital (leverage) ratio | 9.7034% | 3,881 |
| Tier 1 risk-based capital ratio | 10.7668% | 5,163 |
| Total risk-based capital ratio | 11.7449% | 5,171 |
| Memoranda: | ||
| Average total assets | $447,169,000 | 1,564 |
| Average earning assets | $420,675,670 | 1,543 |
| Average equity | $42,690,000 | 1,754 |
| Average total loans | $378,004,000 | 1,313 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5423% | 1,739 |
| Cost of funding earning assets | 0.7811% | 1,038 |
| Net interest margin | 3.7612% | 2,572 |
| Noninterest income to average assets | 0.7560% | 1,599 |
| Noninterest expense to average assets | 2.8231% | 2,624 |
| Loan and lease loss provision to assets | 0.4756% | 224 |
| Net operating income to assets | 0.9495% | 3,075 |
| Return on assets (ROA) | 0.9495% | 3,095 |
| Pretax return on assets | 0.9929% | 3,557 |
| Return on Equity (ROE) | 9.8540% | 2,508 |
| Retained earnings to average equity (ytd only) | -3.1720% | 5,092 |
| Net charge-offs to loans | 0.5015% | 302 |
| Credit loss provision to net charge-offs | 112.6338% | 1,432 |
| Earnings coverage of net charge-offs (x) | 3.4775% | 2,385 |
| Efficiency ratio | 65.7817% | 3,209 |
| Assets per employee ($millions) | 3.9776% | 4,017 |
| Cash dividends to net income (ytd only)* | 132.1905% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0555% | 3,627 |
| Loan loss allowance to noncurrent loans | 737.7570% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 4,497 |
| Noncurrent loans to loans | 0.1431% | 4,324 |
| Net loans and leases to total assets | 83.0519% | 532 |
| Net loans and leases to deposits | 93.5803% | 1,269 |
| Net loans and leases to core deposits | 126.4791% | 411 |
| Total domestic deposits to total assets | 88.7494% | 1,235 |
| Equity capital to assets | 9.4755% | 4,110 |
| Core capital (leverage) ratio | 9.7926% | 3,763 |
| Tier 1 risk-based capital ratio | 11.3052% | 4,976 |
| Total risk-based capital ratio | 12.3427% | 4,989 |
| Memoranda: | ||
| Average total assets | $442,344,500 | 1,583 |
| Average earning assets | $415,822,000 | 1,568 |
| Average equity | $42,622,500 | 1,770 |
| Average total loans | $372,491,500 | 1,333 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5776% | 1,494 |
| Cost of funding earning assets | 0.6197% | 1,474 |
| Net interest margin | 3.9580% | 1,889 |
| Noninterest income to average assets | 0.9297% | 1,191 |
| Noninterest expense to average assets | 2.8964% | 2,468 |
| Loan and lease loss provision to assets | 0.4155% | 345 |
| Net operating income to assets | 1.2843% | 1,265 |
| Return on assets (ROA) | 1.2905% | 1,268 |
| Pretax return on assets | 1.3484% | 2,177 |
| Return on Equity (ROE) | 13.2722% | 891 |
| Retained earnings to average equity (ytd only) | 3.4037% | 3,246 |
| Net charge-offs to loans | 0.4653% | 512 |
| Credit loss provision to net charge-offs | 106.4782% | 2,427 |
| Earnings coverage of net charge-offs (x) | 4.5035% | 3,456 |
| Efficiency ratio | 62.2352% | 3,898 |
| Assets per employee ($millions) | 3.7861% | 4,300 |
| Cash dividends to net income (ytd only)* | 74.3544% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0479% | 3,640 |
| Loan loss allowance to noncurrent loans | 621.0863% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 4,432 |
| Noncurrent loans to loans | 0.1687% | 4,246 |
| Net loans and leases to total assets | 83.5976% | 490 |
| Net loans and leases to deposits | 96.2802% | 1,064 |
| Net loans and leases to core deposits | 127.9647% | 387 |
| Total domestic deposits to total assets | 86.8274% | 2,078 |
| Equity capital to assets | 9.7980% | 3,919 |
| Core capital (leverage) ratio | 9.9523% | 3,513 |
| Tier 1 risk-based capital ratio | 11.1970% | 5,035 |
| Total risk-based capital ratio | 12.2025% | 5,055 |
| Memoranda: | ||
| Average total assets | $435,096,600 | 1,589 |
| Average earning assets | $409,402,800 | 1,566 |
| Average equity | $42,306,600 | 1,760 |
| Average total loans | $364,893,600 | 1,324 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5788% | 1,425 |
| Cost of funding earning assets | 0.5939% | 1,572 |
| Net interest margin | 3.9849% | 1,759 |
| Noninterest income to average assets | 0.7608% | 1,731 |
| Noninterest expense to average assets | 2.9128% | 2,360 |
| Loan and lease loss provision to assets | 0.3443% | 435 |
| Net operating income to assets | 1.1989% | 1,697 |
| Return on assets (ROA) | 1.2071% | 1,696 |
| Pretax return on assets | 1.2612% | 2,665 |
| Return on Equity (ROE) | 12.4388% | 1,204 |
| Retained earnings to average equity (ytd only) | 1.8452% | 4,695 |
| Net charge-offs to loans | 0.3636% | 577 |
| Credit loss provision to net charge-offs | 113.1181% | 2,098 |
| Earnings coverage of net charge-offs (x) | 5.2462% | 3,132 |
| Efficiency ratio | 64.5893% | 3,436 |
| Assets per employee ($millions) | 4.0334% | 3,934 |
| Cash dividends to net income (ytd only)* | 85.1655% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 3,680 |
| Loan loss allowance to noncurrent loans | 400.8205% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 4,166 |
| Noncurrent loans to loans | 0.2664% | 4,006 |
| Net loans and leases to total assets | 83.1072% | 533 |
| Net loans and leases to deposits | 94.5494% | 1,236 |
| Net loans and leases to core deposits | 124.8810% | 438 |
| Total domestic deposits to total assets | 87.8982% | 1,417 |
| Equity capital to assets | 9.7979% | 4,153 |
| Core capital (leverage) ratio | 9.8305% | 3,782 |
| Tier 1 risk-based capital ratio | 11.0892% | 5,194 |
| Total risk-based capital ratio | 12.1090% | 5,220 |
| Memoranda: | ||
| Average total assets | $434,072,500 | 1,603 |
| Average earning assets | $408,368,000 | 1,583 |
| Average equity | $42,125,250 | 1,783 |
| Average total loans | $363,356,250 | 1,345 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5639% | 1,346 |
| Cost of funding earning assets | 0.5637% | 1,688 |
| Net interest margin | 4.0001% | 1,602 |
| Noninterest income to average assets | 0.7644% | 1,709 |
| Noninterest expense to average assets | 2.9514% | 2,263 |
| Loan and lease loss provision to assets | 0.3128% | 476 |
| Net operating income to assets | 1.2105% | 1,561 |
| Return on assets (ROA) | 1.2229% | 1,565 |
| Pretax return on assets | 1.2773% | 2,470 |
| Return on Equity (ROE) | 12.6419% | 1,128 |
| Retained earnings to average equity (ytd only) | 2.0649% | 4,429 |
| Net charge-offs to loans | 0.3459% | 581 |
| Credit loss provision to net charge-offs | 108.1340% | 1,912 |
| Earnings coverage of net charge-offs (x) | 5.4530% | 2,822 |
| Efficiency ratio | 65.1727% | 3,479 |
| Assets per employee ($millions) | 3.8870% | 4,149 |
| Cash dividends to net income (ytd only)* | 83.6665% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0611% | 3,786 |
| Loan loss allowance to noncurrent loans | 816.4179% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.1189% | 4,718 |
| Noncurrent loans to loans | 0.1300% | 4,605 |
| Net loans and leases to total assets | 82.7482% | 578 |
| Net loans and leases to deposits | 94.3744% | 1,228 |
| Net loans and leases to core deposits | 123.2973% | 456 |
| Total domestic deposits to total assets | 87.6807% | 1,627 |
| Equity capital to assets | 9.8829% | 4,045 |
| Core capital (leverage) ratio | 9.7399% | 3,847 |
| Tier 1 risk-based capital ratio | 11.1434% | 5,179 |
| Total risk-based capital ratio | 12.1510% | 5,214 |
| Memoranda: | ||
| Average total assets | $433,559,330 | 1,610 |
| Average earning assets | $407,987,330 | 1,589 |
| Average equity | $41,940,000 | 1,785 |
| Average total loans | $362,497,330 | 1,347 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4998% | 1,376 |
| Cost of funding earning assets | 0.5400% | 1,784 |
| Net interest margin | 3.9597% | 1,582 |
| Noninterest income to average assets | 0.7750% | 1,640 |
| Noninterest expense to average assets | 3.0078% | 2,148 |
| Loan and lease loss provision to assets | 0.2687% | 542 |
| Net operating income to assets | 1.1661% | 1,612 |
| Return on assets (ROA) | 1.1661% | 1,652 |
| Pretax return on assets | 1.2167% | 2,521 |
| Return on Equity (ROE) | 12.1858% | 1,181 |
| Retained earnings to average equity (ytd only) | -1.1638% | 5,090 |
| Net charge-offs to loans | 0.3446% | 532 |
| Credit loss provision to net charge-offs | 93.2907% | 1,669 |
| Earnings coverage of net charge-offs (x) | 5.1565% | 2,313 |
| Efficiency ratio | 66.9398% | 3,349 |
| Assets per employee ($millions) | 3.8228% | 4,311 |
| Cash dividends to net income (ytd only)* | 109.5501% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 4,049 |
| Loan loss allowance to noncurrent loans | 266.2651% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.3505% | 3,805 |
| Noncurrent loans to loans | 0.3894% | 3,714 |
| Net loans and leases to total assets | 83.0074% | 461 |
| Net loans and leases to deposits | 96.1990% | 920 |
| Net loans and leases to core deposits | 123.3512% | 378 |
| Total domestic deposits to total assets | 86.2872% | 2,541 |
| Equity capital to assets | 9.6532% | 4,121 |
| Core capital (leverage) ratio | 9.6184% | 3,969 |
| Tier 1 risk-based capital ratio | 11.0236% | 5,295 |
| Total risk-based capital ratio | 12.0146% | 5,348 |
| Memoranda: | ||
| Average total assets | $434,608,000 | 1,620 |
| Average earning assets | $408,111,500 | 1,597 |
| Average equity | $41,589,500 | 1,789 |
| Average total loans | $363,318,000 | 1,351 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4046% | 1,804 |
| Cost of funding earning assets | 0.4636% | 2,411 |
| Net interest margin | 3.9410% | 1,817 |
| Noninterest income to average assets | 0.8209% | 1,678 |
| Noninterest expense to average assets | 2.9246% | 2,589 |
| Loan and lease loss provision to assets | 0.2914% | 656 |
| Net operating income to assets | 1.2944% | 1,226 |
| Return on assets (ROA) | 1.2988% | 1,288 |
| Pretax return on assets | 1.3532% | 2,089 |
| Return on Equity (ROE) | 13.5032% | 877 |
| Retained earnings to average equity (ytd only) | 1.6879% | 4,570 |
| Net charge-offs to loans | 0.3900% | 683 |
| Credit loss provision to net charge-offs | 91.9565% | 2,765 |
| Earnings coverage of net charge-offs (x) | 5.1754% | 3,377 |
| Efficiency ratio | 64.0708% | 3,927 |
| Assets per employee ($millions) | 3.8020% | 4,309 |
| Cash dividends to net income (ytd only)* | 87.5000% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 4,236 |
| Loan loss allowance to noncurrent loans | 768.7500% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.1333% | 4,780 |
| Noncurrent loans to loans | 0.1318% | 4,707 |
| Net loans and leases to total assets | 82.4757% | 541 |
| Net loans and leases to deposits | 95.7328% | 1,023 |
| Net loans and leases to core deposits | 121.1685% | 454 |
| Total domestic deposits to total assets | 86.1520% | 2,511 |
| Equity capital to assets | 9.4867% | 4,284 |
| Core capital (leverage) ratio | 9.6082% | 3,956 |
| Tier 1 risk-based capital ratio | 11.1078% | 5,284 |
| Total risk-based capital ratio | 12.0857% | 5,313 |
| Memoranda: | ||
| Average total assets | $435,472,000 | 1,557 |
| Average earning assets | $413,680,800 | 1,519 |
| Average equity | $41,886,400 | 1,769 |
| Average total loans | $353,883,600 | 1,327 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4093% | 1,834 |
| Cost of funding earning assets | 0.4431% | 2,614 |
| Net interest margin | 3.9662% | 1,763 |
| Noninterest income to average assets | 0.7469% | 1,981 |
| Noninterest expense to average assets | 2.8285% | 2,911 |
| Loan and lease loss provision to assets | 0.3227% | 516 |
| Net operating income to assets | 1.3239% | 1,227 |
| Return on assets (ROA) | 1.3298% | 1,298 |
| Pretax return on assets | 1.3847% | 2,104 |
| Return on Equity (ROE) | 13.7781% | 866 |
| Retained earnings to average equity (ytd only) | 1.9719% | 4,702 |
| Net charge-offs to loans | 0.3496% | 652 |
| Credit loss provision to net charge-offs | 114.3322% | 2,169 |
| Earnings coverage of net charge-offs (x) | 6.0271% | 3,044 |
| Efficiency ratio | 62.4425% | 4,151 |
| Assets per employee ($millions) | 3.9970% | 3,974 |
| Cash dividends to net income (ytd only)* | 85.6879% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 3,964 |
| Loan loss allowance to noncurrent loans | 732.4022% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 4,856 |
| Noncurrent loans to loans | 0.1471% | 4,757 |
| Net loans and leases to total assets | 82.1590% | 592 |
| Net loans and leases to deposits | 94.6252% | 1,190 |
| Net loans and leases to core deposits | 118.8451% | 542 |
| Total domestic deposits to total assets | 86.8257% | 1,978 |
| Equity capital to assets | 9.7185% | 4,451 |
| Core capital (leverage) ratio | 9.7335% | 3,896 |
| Tier 1 risk-based capital ratio | 10.9719% | 5,384 |
| Total risk-based capital ratio | 12.0036% | 5,406 |
| Memoranda: | ||
| Average total assets | $435,031,500 | 1,557 |
| Average earning assets | $414,929,750 | 1,520 |
| Average equity | $41,988,250 | 1,769 |
| Average total loans | $351,279,000 | 1,331 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3796% | 1,885 |
| Cost of funding earning assets | 0.4306% | 2,732 |
| Net interest margin | 3.9491% | 1,812 |
| Noninterest income to average assets | 0.7479% | 1,941 |
| Noninterest expense to average assets | 2.7992% | 3,035 |
| Loan and lease loss provision to assets | 0.3705% | 426 |
| Net operating income to assets | 1.3144% | 1,236 |
| Return on assets (ROA) | 1.3232% | 1,303 |
| Pretax return on assets | 1.3749% | 2,118 |
| Return on Equity (ROE) | 13.7418% | 877 |
| Retained earnings to average equity (ytd only) | 0.7187% | 5,086 |
| Net charge-offs to loans | 0.3710% | 620 |
| Credit loss provision to net charge-offs | 124.8834% | 1,811 |
| Earnings coverage of net charge-offs (x) | 5.8523% | 2,808 |
| Efficiency ratio | 61.7192% | 4,384 |
| Assets per employee ($millions) | 3.6306% | 4,547 |
| Cash dividends to net income (ytd only)* | 94.7699% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 3,880 |
| Loan loss allowance to noncurrent loans | 1,650.4167% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0801% | 5,205 |
| Noncurrent loans to loans | 0.0674% | 5,181 |
| Net loans and leases to total assets | 82.2071% | 604 |
| Net loans and leases to deposits | 92.6770% | 1,436 |
| Net loans and leases to core deposits | 114.4734% | 703 |
| Total domestic deposits to total assets | 88.7028% | 1,061 |
| Equity capital to assets | 9.8483% | 4,390 |
| Core capital (leverage) ratio | 9.4921% | 4,220 |
| Tier 1 risk-based capital ratio | 11.3438% | 5,254 |
| Total risk-based capital ratio | 12.4302% | 5,244 |
| Memoranda: | ||
| Average total assets | $433,486,330 | 1,571 |
| Average earning assets | $415,742,670 | 1,515 |
| Average equity | $41,741,330 | 1,777 |
| Average total loans | $346,652,330 | 1,351 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3467% | 1,974 |
| Cost of funding earning assets | 0.4104% | 2,956 |
| Net interest margin | 3.9363% | 1,827 |
| Noninterest income to average assets | 0.7578% | 1,787 |
| Noninterest expense to average assets | 2.7907% | 3,104 |
| Loan and lease loss provision to assets | 0.2348% | 777 |
| Net operating income to assets | 1.4586% | 920 |
| Return on assets (ROA) | 1.4586% | 964 |
| Pretax return on assets | 1.5073% | 1,560 |
| Return on Equity (ROE) | 15.3192% | 623 |
| Retained earnings to average equity (ytd only) | 0.9827% | 4,846 |
| Net charge-offs to loans | 0.2375% | 860 |
| Credit loss provision to net charge-offs | 126.1084% | 1,385 |
| Earnings coverage of net charge-offs (x) | 9.3547% | 1,989 |
| Efficiency ratio | 61.5665% | 4,516 |
| Assets per employee ($millions) | 3.8838% | 4,155 |
| Cash dividends to net income (ytd only)* | 93.5849% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 3,974 |
| Loan loss allowance to noncurrent loans | 885.9770% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.1000% | 5,175 |
| Noncurrent loans to loans | 0.1257% | 4,973 |
| Net loans and leases to total assets | 78.6867% | 995 |
| Net loans and leases to deposits | 92.4258% | 1,293 |
| Net loans and leases to core deposits | 111.5812% | 777 |
| Total domestic deposits to total assets | 85.1350% | 3,070 |
| Equity capital to assets | 9.6365% | 4,522 |
| Core capital (leverage) ratio | 9.5328% | 4,129 |
| Tier 1 risk-based capital ratio | 11.5455% | 5,209 |
| Total risk-based capital ratio | 12.6227% | 5,202 |
| Memoranda: | ||
| Average total assets | $436,025,500 | 1,563 |
| Average earning assets | $418,154,000 | 1,514 |
| Average equity | $41,516,500 | 1,778 |
| Average total loans | $341,907,000 | 1,360 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3519% | 2,053 |
| Cost of funding earning assets | 0.4137% | 3,014 |
| Net interest margin | 3.9383% | 1,905 |
| Noninterest income to average assets | 0.7408% | 2,022 |
| Noninterest expense to average assets | 2.7369% | 3,461 |
| Loan and lease loss provision to assets | 0.2064% | 1,031 |
| Net operating income to assets | 1.5063% | 855 |
| Return on assets (ROA) | 1.5063% | 887 |
| Pretax return on assets | 1.5757% | 1,325 |
| Return on Equity (ROE) | 16.4322% | 516 |
| Retained earnings to average equity (ytd only) | 2.8508% | 4,035 |
| Net charge-offs to loans | 0.3490% | 851 |
| Credit loss provision to net charge-offs | 76.1628% | 3,020 |
| Earnings coverage of net charge-offs (x) | 6.5756% | 3,204 |
| Efficiency ratio | 60.5649% | 4,826 |
| Assets per employee ($millions) | 3.8339% | 4,237 |
| Cash dividends to net income (ytd only)* | 82.6509% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 3,895 |
| Loan loss allowance to noncurrent loans | 840.9292% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.1034% | 5,192 |
| Noncurrent loans to loans | 0.1339% | 4,954 |
| Net loans and leases to total assets | 76.3921% | 1,348 |
| Net loans and leases to deposits | 85.5206% | 2,185 |
| Net loans and leases to core deposits | 110.2450% | 838 |
| Total domestic deposits to total assets | 89.3260% | 950 |
| Equity capital to assets | 9.4072% | 4,665 |
| Core capital (leverage) ratio | 9.2791% | 4,503 |
| Tier 1 risk-based capital ratio | 11.7306% | 5,110 |
| Total risk-based capital ratio | 12.8127% | 5,121 |
| Memoranda: | ||
| Average total assets | $444,253,800 | 1,507 |
| Average earning assets | $426,200,800 | 1,462 |
| Average equity | $40,724,800 | 1,767 |
| Average total loans | $344,990,400 | 1,307 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3544% | 2,062 |
| Cost of funding earning assets | 0.4172% | 3,039 |
| Net interest margin | 3.9372% | 1,909 |
| Noninterest income to average assets | 0.7380% | 2,073 |
| Noninterest expense to average assets | 2.7052% | 3,548 |
| Loan and lease loss provision to assets | 0.2074% | 949 |
| Net operating income to assets | 1.5325% | 874 |
| Return on assets (ROA) | 1.5325% | 911 |
| Pretax return on assets | 1.6031% | 1,375 |
| Return on Equity (ROE) | 16.8258% | 485 |
| Retained earnings to average equity (ytd only) | 2.7141% | 4,487 |
| Net charge-offs to loans | 0.3056% | 874 |
| Credit loss provision to net charge-offs | 87.2956% | 2,505 |
| Earnings coverage of net charge-offs (x) | 7.6189% | 2,895 |
| Efficiency ratio | 59.9060% | 4,904 |
| Assets per employee ($millions) | 3.9513% | 3,972 |
| Cash dividends to net income (ytd only)* | 83.8697% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 3,985 |
| Loan loss allowance to noncurrent loans | 666.7224% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.1351% | 5,212 |
| Noncurrent loans to loans | 0.1713% | 4,970 |
| Net loans and leases to total assets | 77.9738% | 1,103 |
| Net loans and leases to deposits | 87.3041% | 1,992 |
| Net loans and leases to core deposits | 114.5965% | 647 |
| Total domestic deposits to total assets | 89.3129% | 862 |
| Equity capital to assets | 9.3279% | 4,972 |
| Core capital (leverage) ratio | 9.1746% | 4,771 |
| Tier 1 risk-based capital ratio | 11.3371% | 5,470 |
| Total risk-based capital ratio | 12.4430% | 5,447 |
| Memoranda: | ||
| Average total assets | $446,049,750 | 1,515 |
| Average earning assets | $427,970,750 | 1,460 |
| Average equity | $40,627,000 | 1,792 |
| Average total loans | $346,816,000 | 1,301 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3491% | 2,014 |
| Cost of funding earning assets | 0.4182% | 3,057 |
| Net interest margin | 3.9310% | 1,883 |
| Noninterest income to average assets | 0.7558% | 1,970 |
| Noninterest expense to average assets | 2.6774% | 3,665 |
| Loan and lease loss provision to assets | 0.2080% | 935 |
| Net operating income to assets | 1.5648% | 803 |
| Return on assets (ROA) | 1.5648% | 831 |
| Pretax return on assets | 1.6372% | 1,231 |
| Return on Equity (ROE) | 17.3178% | 457 |
| Retained earnings to average equity (ytd only) | 4.3109% | 3,283 |
| Net charge-offs to loans | 0.3121% | 847 |
| Credit loss provision to net charge-offs | 86.1111% | 2,259 |
| Earnings coverage of net charge-offs (x) | 7.6407% | 2,650 |
| Efficiency ratio | 59.2010% | 5,090 |
| Assets per employee ($millions) | 3.9713% | 3,935 |
| Cash dividends to net income (ytd only)* | 75.1072% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1715% | 3,970 |
| Loan loss allowance to noncurrent loans | 966.9880% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.0933% | 5,494 |
| Noncurrent loans to loans | 0.1211% | 5,276 |
| Net loans and leases to total assets | 76.1149% | 1,350 |
| Net loans and leases to deposits | 84.9798% | 2,191 |
| Net loans and leases to core deposits | 111.5646% | 759 |
| Total domestic deposits to total assets | 89.5682% | 863 |
| Equity capital to assets | 9.1152% | 5,130 |
| Core capital (leverage) ratio | 9.0852% | 4,845 |
| Tier 1 risk-based capital ratio | 11.4523% | 5,495 |
| Total risk-based capital ratio | 12.5767% | 5,491 |
| Memoranda: | ||
| Average total assets | $447,219,330 | 1,520 |
| Average earning assets | $428,546,670 | 1,466 |
| Average equity | $40,409,330 | 1,808 |
| Average total loans | $346,070,330 | 1,307 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4447% | 1,621 |
| Cost of funding earning assets | 0.4193% | 3,085 |
| Net interest margin | 4.0254% | 1,476 |
| Noninterest income to average assets | 0.7118% | 2,121 |
| Noninterest expense to average assets | 2.6893% | 3,626 |
| Loan and lease loss provision to assets | 0.3425% | 383 |
| Net operating income to assets | 1.4646% | 914 |
| Return on assets (ROA) | 1.4646% | 971 |
| Pretax return on assets | 1.5333% | 1,448 |
| Return on Equity (ROE) | 16.2806% | 534 |
| Retained earnings to average equity (ytd only) | -0.2677% | 5,430 |
| Net charge-offs to loans | 0.3427% | 715 |
| Credit loss provision to net charge-offs | 128.8591% | 1,378 |
| Earnings coverage of net charge-offs (x) | 7.0570% | 2,217 |
| Efficiency ratio | 58.9097% | 5,234 |
| Assets per employee ($millions) | 3.9929% | 3,975 |
| Cash dividends to net income (ytd only)* | 101.6443% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 3,996 |
| Loan loss allowance to noncurrent loans | 812.0623% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 5,500 |
| Noncurrent loans to loans | 0.1475% | 5,249 |
| Net loans and leases to total assets | 75.6351% | 1,263 |
| Net loans and leases to deposits | 84.2691% | 2,034 |
| Net loans and leases to core deposits | 108.9333% | 790 |
| Total domestic deposits to total assets | 89.7543% | 871 |
| Equity capital to assets | 8.9190% | 5,375 |
| Core capital (leverage) ratio | 9.0500% | 4,895 |
| Tier 1 risk-based capital ratio | 10.9448% | 5,831 |
| Total risk-based capital ratio | 12.0875% | 5,808 |
| Memoranda: | ||
| Average total assets | $448,437,500 | 1,523 |
| Average earning assets | $429,275,500 | 1,466 |
| Average equity | $40,342,500 | 1,816 |
| Average total loans | $347,826,000 | 1,304 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8848% | 947 |
| Cost of funding earning assets | 0.4617% | 3,054 |
| Net interest margin | 4.4231% | 855 |
| Noninterest income to average assets | 0.7230% | 2,201 |
| Noninterest expense to average assets | 2.7212% | 3,785 |
| Loan and lease loss provision to assets | 0.3015% | 681 |
| Net operating income to assets | 1.8312% | 449 |
| Return on assets (ROA) | 1.8362% | 461 |
| Pretax return on assets | 1.9168% | 616 |
| Return on Equity (ROE) | 21.0666% | 206 |
| Retained earnings to average equity (ytd only) | 4.3934% | 3,055 |
| Net charge-offs to loans | 0.3695% | 1,174 |
| Credit loss provision to net charge-offs | 102.7365% | 2,331 |
| Earnings coverage of net charge-offs (x) | 7.5410% | 3,019 |
| Efficiency ratio | 55.1500% | 5,753 |
| Assets per employee ($millions) | 3.8744% | 4,216 |
| Cash dividends to net income (ytd only)* | 79.1453% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1775% | 4,135 |
| Loan loss allowance to noncurrent loans | 793.7864% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 5,541 |
| Noncurrent loans to loans | 0.1483% | 5,300 |
| Net loans and leases to total assets | 77.6813% | 1,041 |
| Net loans and leases to deposits | 86.7477% | 1,879 |
| Net loans and leases to core deposits | 113.5265% | 622 |
| Total domestic deposits to total assets | 89.5485% | 949 |
| Equity capital to assets | 9.0758% | 5,208 |
| Core capital (leverage) ratio | 9.0232% | 4,961 |
| Tier 1 risk-based capital ratio | 11.3461% | 5,743 |
| Total risk-based capital ratio | 12.5055% | 5,716 |
| Memoranda: | ||
| Average total assets | $435,839,400 | 1,528 |
| Average earning assets | $414,959,600 | 1,480 |
| Average equity | $37,989,000 | 1,859 |
| Average total loans | $346,099,400 | 1,273 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9453% | 847 |
| Cost of funding earning assets | 0.4653% | 3,099 |
| Net interest margin | 4.4801% | 774 |
| Noninterest income to average assets | 0.7235% | 2,209 |
| Noninterest expense to average assets | 2.7241% | 3,735 |
| Loan and lease loss provision to assets | 0.3085% | 625 |
| Net operating income to assets | 1.8690% | 446 |
| Return on assets (ROA) | 1.8757% | 457 |
| Pretax return on assets | 1.9571% | 630 |
| Return on Equity (ROE) | 21.7479% | 198 |
| Retained earnings to average equity (ytd only) | 4.3667% | 3,547 |
| Net charge-offs to loans | 0.3601% | 1,120 |
| Credit loss provision to net charge-offs | 107.6017% | 2,069 |
| Earnings coverage of net charge-offs (x) | 7.8780% | 2,883 |
| Efficiency ratio | 54.6726% | 5,759 |
| Assets per employee ($millions) | 3.8809% | 4,127 |
| Cash dividends to net income (ytd only)* | 79.9215% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 4,358 |
| Loan loss allowance to noncurrent loans | 655.6439% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 5,618 |
| Noncurrent loans to loans | 0.1793% | 5,372 |
| Net loans and leases to total assets | 78.3778% | 917 |
| Net loans and leases to deposits | 87.1435% | 1,772 |
| Net loans and leases to core deposits | 116.1300% | 501 |
| Total domestic deposits to total assets | 89.9411% | 758 |
| Equity capital to assets | 8.7698% | 5,575 |
| Core capital (leverage) ratio | 9.0029% | 5,066 |
| Tier 1 risk-based capital ratio | 10.9898% | 5,993 |
| Total risk-based capital ratio | 12.1353% | 6,001 |
| Memoranda: | ||
| Average total assets | $434,379,500 | 1,542 |
| Average earning assets | $412,957,250 | 1,494 |
| Average equity | $37,464,750 | 1,885 |
| Average total loans | $345,826,750 | 1,276 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9569% | 806 |
| Cost of funding earning assets | 0.4675% | 3,135 |
| Net interest margin | 4.4894% | 720 |
| Noninterest income to average assets | 0.7144% | 2,212 |
| Noninterest expense to average assets | 2.7204% | 3,793 |
| Loan and lease loss provision to assets | 0.2636% | 795 |
| Net operating income to assets | 1.9143% | 401 |
| Return on assets (ROA) | 1.9245% | 408 |
| Pretax return on assets | 2.0121% | 542 |
| Return on Equity (ROE) | 22.4421% | 179 |
| Retained earnings to average equity (ytd only) | 4.6570% | 3,182 |
| Net charge-offs to loans | 0.3353% | 1,216 |
| Credit loss provision to net charge-offs | 98.6135% | 2,043 |
| Earnings coverage of net charge-offs (x) | 8.4731% | 2,489 |
| Efficiency ratio | 54.5674% | 5,865 |
| Assets per employee ($millions) | 3.7590% | 4,335 |
| Cash dividends to net income (ytd only)* | 79.2489% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 4,542 |
| Loan loss allowance to noncurrent loans | 691.4530% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.1353% | 5,747 |
| Noncurrent loans to loans | 0.1698% | 5,500 |
| Net loans and leases to total assets | 78.7562% | 818 |
| Net loans and leases to deposits | 87.6748% | 1,635 |
| Net loans and leases to core deposits | 117.6685% | 430 |
| Total domestic deposits to total assets | 89.8277% | 890 |
| Equity capital to assets | 8.8458% | 5,474 |
| Core capital (leverage) ratio | 9.0287% | 4,975 |
| Tier 1 risk-based capital ratio | 11.1823% | 5,967 |
| Total risk-based capital ratio | 12.3363% | 5,952 |
| Memoranda: | ||
| Average total assets | $431,697,670 | 1,551 |
| Average earning assets | $410,702,000 | 1,498 |
| Average equity | $37,019,670 | 1,898 |
| Average total loans | $344,140,000 | 1,277 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9711% | 761 |
| Cost of funding earning assets | 0.4713% | 3,220 |
| Net interest margin | 4.4998% | 657 |
| Noninterest income to average assets | 0.6963% | 2,190 |
| Noninterest expense to average assets | 2.7250% | 3,850 |
| Loan and lease loss provision to assets | 0.3115% | 606 |
| Net operating income to assets | 1.8515% | 441 |
| Return on assets (ROA) | 1.8720% | 447 |
| Pretax return on assets | 1.9573% | 580 |
| Return on Equity (ROE) | 22.1807% | 193 |
| Retained earnings to average equity (ytd only) | 3.5045% | 4,026 |
| Net charge-offs to loans | 0.4233% | 863 |
| Credit loss provision to net charge-offs | 92.3077% | 1,778 |
| Earnings coverage of net charge-offs (x) | 6.6593% | 2,201 |
| Efficiency ratio | 54.8014% | 5,943 |
| Assets per employee ($millions) | 3.7590% | 4,402 |
| Cash dividends to net income (ytd only)* | 84.2001% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1681% | 4,784 |
| Loan loss allowance to noncurrent loans | 742.6199% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.1254% | 5,870 |
| Noncurrent loans to loans | 0.1573% | 5,610 |
| Net loans and leases to total assets | 78.7767% | 680 |
| Net loans and leases to deposits | 87.2829% | 1,438 |
| Net loans and leases to core deposits | 117.1293% | 380 |
| Total domestic deposits to total assets | 90.2544% | 937 |
| Equity capital to assets | 8.5304% | 5,623 |
| Core capital (leverage) ratio | 8.9759% | 5,051 |
| Tier 1 risk-based capital ratio | 11.0729% | 6,127 |
| Total risk-based capital ratio | 12.2260% | 6,113 |
| Memoranda: | ||
| Average total assets | $431,405,500 | 1,558 |
| Average earning assets | $409,972,000 | 1,505 |
| Average equity | $36,410,000 | 1,920 |
| Average total loans | $343,963,000 | 1,276 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0320% | 866 |
| Cost of funding earning assets | 0.5634% | 2,991 |
| Net interest margin | 4.4685% | 789 |
| Noninterest income to average assets | 0.6778% | 2,663 |
| Noninterest expense to average assets | 2.7714% | 3,828 |
| Loan and lease loss provision to assets | 0.2742% | 1,281 |
| Net operating income to assets | 1.7973% | 485 |
| Return on assets (ROA) | 1.7973% | 499 |
| Pretax return on assets | 1.8687% | 649 |
| Return on Equity (ROE) | 21.3604% | 218 |
| Retained earnings to average equity (ytd only) | 3.7508% | 3,549 |
| Net charge-offs to loans | 0.3369% | 1,994 |
| Credit loss provision to net charge-offs | 104.4658% | 2,318 |
| Earnings coverage of net charge-offs (x) | 8.1637% | 2,718 |
| Efficiency ratio | 56.3938% | 5,906 |
| Assets per employee ($millions) | 3.7765% | 4,314 |
| Cash dividends to net income (ytd only)* | 82.4402% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 4,753 |
| Loan loss allowance to noncurrent loans | 703.6458% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.1338% | 5,922 |
| Noncurrent loans to loans | 0.1678% | 5,692 |
| Net loans and leases to total assets | 78.8125% | 731 |
| Net loans and leases to deposits | 87.1931% | 1,556 |
| Net loans and leases to core deposits | 117.4139% | 381 |
| Total domestic deposits to total assets | 90.3884% | 881 |
| Equity capital to assets | 8.3489% | 5,736 |
| Core capital (leverage) ratio | 8.8212% | 5,247 |
| Tier 1 risk-based capital ratio | 11.0591% | 6,143 |
| Total risk-based capital ratio | 12.2283% | 6,131 |
| Memoranda: | ||
| Average total assets | $435,052,200 | 1,520 |
| Average earning assets | $412,460,800 | 1,474 |
| Average equity | $36,605,200 | 1,890 |
| Average total loans | $339,013,000 | 1,259 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9862% | 967 |
| Cost of funding earning assets | 0.5781% | 3,012 |
| Net interest margin | 4.4081% | 878 |
| Noninterest income to average assets | 0.6706% | 2,776 |
| Noninterest expense to average assets | 2.7792% | 3,732 |
| Loan and lease loss provision to assets | 0.2464% | 1,450 |
| Net operating income to assets | 1.7435% | 587 |
| Return on assets (ROA) | 1.7497% | 604 |
| Pretax return on assets | 1.8279% | 844 |
| Return on Equity (ROE) | 20.7553% | 259 |
| Retained earnings to average equity (ytd only) | 3.1836% | 4,407 |
| Net charge-offs to loans | 0.3192% | 1,942 |
| Credit loss provision to net charge-offs | 99.6292% | 2,396 |
| Earnings coverage of net charge-offs (x) | 8.3622% | 2,632 |
| Efficiency ratio | 57.3375% | 5,765 |
| Assets per employee ($millions) | 3.7578% | 4,329 |
| Cash dividends to net income (ytd only)* | 84.6610% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1700% | 5,018 |
| Loan loss allowance to noncurrent loans | 806.2500% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.1148% | 6,092 |
| Noncurrent loans to loans | 0.1451% | 5,888 |
| Net loans and leases to total assets | 78.1647% | 732 |
| Net loans and leases to deposits | 87.1629% | 1,476 |
| Net loans and leases to core deposits | 114.8054% | 429 |
| Total domestic deposits to total assets | 89.6766% | 1,181 |
| Equity capital to assets | 8.2745% | 5,930 |
| Core capital (leverage) ratio | 8.6871% | 5,555 |
| Tier 1 risk-based capital ratio | 10.9353% | 6,309 |
| Total risk-based capital ratio | 12.0909% | 6,312 |
| Memoranda: | ||
| Average total assets | $436,184,750 | 1,530 |
| Average earning assets | $413,262,750 | 1,479 |
| Average equity | $36,770,500 | 1,892 |
| Average total loans | $337,926,750 | 1,265 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9598% | 979 |
| Cost of funding earning assets | 0.5914% | 3,021 |
| Net interest margin | 4.3684% | 901 |
| Noninterest income to average assets | 0.6555% | 2,885 |
| Noninterest expense to average assets | 2.7993% | 3,680 |
| Loan and lease loss provision to assets | 0.1988% | 1,909 |
| Net operating income to assets | 1.7132% | 610 |
| Return on assets (ROA) | 1.7224% | 650 |
| Pretax return on assets | 1.7996% | 929 |
| Return on Equity (ROE) | 20.3083% | 282 |
| Retained earnings to average equity (ytd only) | 2.4415% | 4,746 |
| Net charge-offs to loans | 0.2911% | 2,023 |
| Credit loss provision to net charge-offs | 88.7755% | 2,472 |
| Earnings coverage of net charge-offs (x) | 8.8796% | 2,356 |
| Efficiency ratio | 58.4630% | 5,673 |
| Assets per employee ($millions) | 3.8188% | 4,174 |
| Cash dividends to net income (ytd only)* | 87.9777% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 5,082 |
| Loan loss allowance to noncurrent loans | 869.3833% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 6,180 |
| Noncurrent loans to loans | 0.1359% | 5,984 |
| Net loans and leases to total assets | 76.4851% | 927 |
| Net loans and leases to deposits | 84.6148% | 1,724 |
| Net loans and leases to core deposits | 111.4209% | 505 |
| Total domestic deposits to total assets | 90.3921% | 810 |
| Equity capital to assets | 8.4081% | 5,864 |
| Core capital (leverage) ratio | 8.6178% | 5,533 |
| Tier 1 risk-based capital ratio | 10.9901% | 6,337 |
| Total risk-based capital ratio | 12.1494% | 6,349 |
| Memoranda: | ||
| Average total assets | $437,531,330 | 1,521 |
| Average earning assets | $413,924,670 | 1,471 |
| Average equity | $37,108,000 | 1,884 |
| Average total loans | $336,641,000 | 1,264 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0203% | 859 |
| Cost of funding earning assets | 0.6005% | 3,104 |
| Net interest margin | 4.4198% | 776 |
| Noninterest income to average assets | 0.6111% | 3,078 |
| Noninterest expense to average assets | 2.7258% | 3,961 |
| Loan and lease loss provision to assets | 0.2097% | 1,768 |
| Net operating income to assets | 1.7659% | 498 |
| Return on assets (ROA) | 1.7842% | 541 |
| Pretax return on assets | 1.8650% | 782 |
| Return on Equity (ROE) | 20.9485% | 236 |
| Retained earnings to average equity (ytd only) | 2.1748% | 4,913 |
| Net charge-offs to loans | 0.2983% | 1,774 |
| Credit loss provision to net charge-offs | 91.6667% | 1,998 |
| Earnings coverage of net charge-offs (x) | 8.9841% | 1,897 |
| Efficiency ratio | 57.0072% | 5,965 |
| Assets per employee ($millions) | 3.8315% | 4,291 |
| Cash dividends to net income (ytd only)* | 89.6183% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1829% | 5,251 |
| Loan loss allowance to noncurrent loans | 729.1209% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 6,197 |
| Noncurrent loans to loans | 0.1622% | 5,989 |
| Net loans and leases to total assets | 76.1407% | 821 |
| Net loans and leases to deposits | 84.4688% | 1,537 |
| Net loans and leases to core deposits | 111.0390% | 465 |
| Total domestic deposits to total assets | 90.1405% | 967 |
| Equity capital to assets | 8.5911% | 5,927 |
| Core capital (leverage) ratio | 8.5163% | 5,568 |
| Tier 1 risk-based capital ratio | 10.8118% | 6,483 |
| Total risk-based capital ratio | 11.9698% | 6,477 |
| Memoranda: | ||
| Average total assets | $440,536,000 | 1,524 |
| Average earning assets | $415,672,500 | 1,483 |
| Average equity | $37,520,500 | 1,888 |
| Average total loans | $337,963,000 | 1,254 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2949% | 935 |
| Cost of funding earning assets | 0.7403% | 3,156 |
| Net interest margin | 4.5546% | 851 |
| Noninterest income to average assets | 0.6327% | 3,093 |
| Noninterest expense to average assets | 2.7556% | 4,196 |
| Loan and lease loss provision to assets | 0.2418% | 2,715 |
| Net operating income to assets | 1.8782% | 447 |
| Return on assets (ROA) | 1.8724% | 499 |
| Pretax return on assets | 1.9535% | 667 |
| Return on Equity (ROE) | 22.7523% | 194 |
| Retained earnings to average equity (ytd only) | 4.8489% | 2,812 |
| Net charge-offs to loans | 0.2472% | 3,457 |
| Credit loss provision to net charge-offs | 130.5998% | 2,141 |
| Earnings coverage of net charge-offs (x) | 11.8911% | 1,990 |
| Efficiency ratio | 55.5906% | 6,107 |
| Assets per employee ($millions) | 3.7973% | 4,370 |
| Cash dividends to net income (ytd only)* | 78.6881% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 5,214 |
| Loan loss allowance to noncurrent loans | 681.7717% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.1321% | 6,239 |
| Noncurrent loans to loans | 0.1730% | 6,046 |
| Net loans and leases to total assets | 75.4854% | 991 |
| Net loans and leases to deposits | 85.2612% | 1,609 |
| Net loans and leases to core deposits | 112.2112% | 463 |
| Total domestic deposits to total assets | 88.5343% | 1,881 |
| Equity capital to assets | 8.4442% | 6,091 |
| Core capital (leverage) ratio | 8.2691% | 5,920 |
| Tier 1 risk-based capital ratio | 10.5179% | 6,547 |
| Total risk-based capital ratio | 11.6567% | 6,555 |
| Memoranda: | ||
| Average total assets | $441,315,800 | 1,493 |
| Average earning assets | $419,006,600 | 1,437 |
| Average equity | $36,317,200 | 1,908 |
| Average total loans | $330,448,800 | 1,273 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3400% | 941 |
| Cost of funding earning assets | 0.7691% | 3,200 |
| Net interest margin | 4.5709% | 865 |
| Noninterest income to average assets | 0.6401% | 3,044 |
| Noninterest expense to average assets | 2.7064% | 4,340 |
| Loan and lease loss provision to assets | 0.2279% | 2,779 |
| Net operating income to assets | 1.9689% | 401 |
| Return on assets (ROA) | 1.9689% | 456 |
| Pretax return on assets | 2.0530% | 623 |
| Return on Equity (ROE) | 24.0840% | 163 |
| Retained earnings to average equity (ytd only) | 5.8452% | 2,794 |
| Net charge-offs to loans | 0.2133% | 3,454 |
| Credit loss provision to net charge-offs | 143.4286% | 2,002 |
| Earnings coverage of net charge-offs (x) | 14.3562% | 1,838 |
| Efficiency ratio | 54.2658% | 6,223 |
| Assets per employee ($millions) | 4.0511% | 3,773 |
| Cash dividends to net income (ytd only)* | 75.7301% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 5,288 |
| Loan loss allowance to noncurrent loans | 642.9725% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.1377% | 6,372 |
| Noncurrent loans to loans | 0.1864% | 6,145 |
| Net loans and leases to total assets | 72.9578% | 1,398 |
| Net loans and leases to deposits | 80.9202% | 2,261 |
| Net loans and leases to core deposits | 106.5114% | 713 |
| Total domestic deposits to total assets | 90.1601% | 761 |
| Equity capital to assets | 8.4055% | 6,345 |
| Core capital (leverage) ratio | 8.1500% | 6,190 |
| Tier 1 risk-based capital ratio | 10.5454% | 6,651 |
| Total risk-based capital ratio | 11.6866% | 6,669 |
| Memoranda: | ||
| Average total assets | $440,574,000 | 1,509 |
| Average earning assets | $419,013,750 | 1,450 |
| Average equity | $36,017,500 | 1,941 |
| Average total loans | $328,218,250 | 1,296 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3955% | 875 |
| Cost of funding earning assets | 0.8039% | 3,159 |
| Net interest margin | 4.5915% | 842 |
| Noninterest income to average assets | 0.6537% | 2,934 |
| Noninterest expense to average assets | 2.6992% | 4,430 |
| Loan and lease loss provision to assets | 0.2619% | 2,480 |
| Net operating income to assets | 1.9779% | 405 |
| Return on assets (ROA) | 1.9779% | 467 |
| Pretax return on assets | 2.0601% | 623 |
| Return on Equity (ROE) | 24.4295% | 165 |
| Retained earnings to average equity (ytd only) | 7.3509% | 1,934 |
| Net charge-offs to loans | 0.2294% | 3,196 |
| Credit loss provision to net charge-offs | 152.8000% | 1,814 |
| Earnings coverage of net charge-offs (x) | 13.5467% | 1,787 |
| Efficiency ratio | 53.7551% | 6,337 |
| Assets per employee ($millions) | 4.0273% | 3,817 |
| Cash dividends to net income (ytd only)* | 69.9099% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1830% | 5,428 |
| Loan loss allowance to noncurrent loans | 748.1061% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 6,492 |
| Noncurrent loans to loans | 0.1581% | 6,271 |
| Net loans and leases to total assets | 73.8092% | 1,282 |
| Net loans and leases to deposits | 81.6814% | 2,157 |
| Net loans and leases to core deposits | 107.7718% | 673 |
| Total domestic deposits to total assets | 90.3623% | 731 |
| Equity capital to assets | 8.3139% | 6,369 |
| Core capital (leverage) ratio | 8.2645% | 5,972 |
| Tier 1 risk-based capital ratio | 10.3334% | 6,748 |
| Total risk-based capital ratio | 11.4516% | 6,757 |
| Memoranda: | ||
| Average total assets | $437,541,670 | 1,522 |
| Average earning assets | $416,202,000 | 1,462 |
| Average equity | $35,424,330 | 1,952 |
| Average total loans | $326,941,000 | 1,297 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4436% | 845 |
| Cost of funding earning assets | 0.8476% | 3,086 |
| Net interest margin | 4.5961% | 830 |
| Noninterest income to average assets | 0.5878% | 3,311 |
| Noninterest expense to average assets | 2.7292% | 4,320 |
| Loan and lease loss provision to assets | 0.3004% | 2,084 |
| Net operating income to assets | 1.8494% | 538 |
| Return on assets (ROA) | 1.8494% | 612 |
| Pretax return on assets | 1.9335% | 826 |
| Return on Equity (ROE) | 23.1641% | 241 |
| Retained earnings to average equity (ytd only) | 4.8736% | 3,628 |
| Net charge-offs to loans | 0.2436% | 2,716 |
| Credit loss provision to net charge-offs | 164.9746% | 1,543 |
| Earnings coverage of net charge-offs (x) | 12.2690% | 1,615 |
| Efficiency ratio | 54.9907% | 6,232 |
| Assets per employee ($millions) | 3.9654% | 4,086 |
| Cash dividends to net income (ytd only)* | 78.9605% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 5,590 |
| Loan loss allowance to noncurrent loans | 977.3300% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 6,662 |
| Noncurrent loans to loans | 0.1207% | 6,447 |
| Net loans and leases to total assets | 73.1635% | 1,191 |
| Net loans and leases to deposits | 80.8065% | 2,085 |
| Net loans and leases to core deposits | 106.6886% | 651 |
| Total domestic deposits to total assets | 90.5416% | 781 |
| Equity capital to assets | 8.0520% | 6,488 |
| Core capital (leverage) ratio | 8.3233% | 5,839 |
| Tier 1 risk-based capital ratio | 10.1035% | 6,853 |
| Total risk-based capital ratio | 11.2040% | 6,889 |
| Memoranda: | ||
| Average total assets | $432,795,000 | 1,541 |
| Average earning assets | $412,003,500 | 1,478 |
| Average equity | $34,553,500 | 2,000 |
| Average total loans | $323,460,000 | 1,310 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1997% | 303 |
| Cost of funding earning assets | 1.0293% | 3,162 |
| Net interest margin | 5.1704% | 301 |
| Noninterest income to average assets | 0.7070% | 2,556 |
| Noninterest expense to average assets | 3.0225% | 3,510 |
| Loan and lease loss provision to assets | 0.3219% | 3,107 |
| Net operating income to assets | 2.1974% | 228 |
| Return on assets (ROA) | 2.1974% | 239 |
| Pretax return on assets | 2.2928% | 308 |
| Return on Equity (ROE) | 25.2231% | 102 |
| Retained earnings to average equity (ytd only) | 2.9212% | 4,157 |
| Net charge-offs to loans | 0.2715% | 4,076 |
| Credit loss provision to net charge-offs | 141.2865% | 2,072 |
| Earnings coverage of net charge-offs (x) | 11.4760% | 1,719 |
| Efficiency ratio | 53.6163% | 6,550 |
| Assets per employee ($millions) | 3.9025% | 4,067 |
| Cash dividends to net income (ytd only)* | 88.4186% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1795% | 5,486 |
| Loan loss allowance to noncurrent loans | 729.9611% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 6,577 |
| Noncurrent loans to loans | 0.1616% | 6,433 |
| Net loans and leases to total assets | 74.5852% | 1,156 |
| Net loans and leases to deposits | 82.3254% | 2,154 |
| Net loans and leases to core deposits | 104.5067% | 873 |
| Total domestic deposits to total assets | 90.5981% | 666 |
| Equity capital to assets | 7.9119% | 6,623 |
| Core capital (leverage) ratio | 8.1013% | 6,140 |
| Tier 1 risk-based capital ratio | 9.8130% | 6,896 |
| Total risk-based capital ratio | 10.9220% | 6,919 |
| Memoranda: | ||
| Average total assets | $375,257,800 | 1,733 |
| Average earning assets | $357,826,000 | 1,657 |
| Average equity | $32,692,200 | 2,038 |
| Average total loans | $314,941,400 | 1,346 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3501% | 249 |
| Cost of funding earning assets | 1.0659% | 3,205 |
| Net interest margin | 5.2843% | 250 |
| Noninterest income to average assets | 0.7159% | 2,502 |
| Noninterest expense to average assets | 3.1028% | 3,152 |
| Loan and lease loss provision to assets | 0.3054% | 3,090 |
| Net operating income to assets | 2.2461% | 239 |
| Return on assets (ROA) | 2.2461% | 256 |
| Pretax return on assets | 2.3421% | 339 |
| Return on Equity (ROE) | 25.1136% | 126 |
| Retained earnings to average equity (ytd only) | 3.2217% | 4,417 |
| Net charge-offs to loans | 0.2695% | 3,754 |
| Credit loss provision to net charge-offs | 131.1811% | 2,427 |
| Earnings coverage of net charge-offs (x) | 11.3732% | 1,812 |
| Efficiency ratio | 53.9589% | 6,494 |
| Assets per employee ($millions) | 3.4777% | 5,058 |
| Cash dividends to net income (ytd only)* | 87.1716% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 5,771 |
| Loan loss allowance to noncurrent loans | 540.9023% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 6,614 |
| Noncurrent loans to loans | 0.2089% | 6,454 |
| Net loans and leases to total assets | 82.2887% | 331 |
| Net loans and leases to deposits | 91.9118% | 1,020 |
| Net loans and leases to core deposits | 106.8470% | 821 |
| Total domestic deposits to total assets | 89.5301% | 1,127 |
| Equity capital to assets | 8.7026% | 6,082 |
| Core capital (leverage) ratio | 9.1533% | 4,704 |
| Tier 1 risk-based capital ratio | 10.1168% | 6,921 |
| Total risk-based capital ratio | 11.2184% | 6,947 |
| Memoranda: | ||
| Average total assets | $363,705,500 | 1,791 |
| Average earning assets | $346,503,000 | 1,722 |
| Average equity | $32,528,750 | 2,043 |
| Average total loans | $314,150,750 | 1,364 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4425% | 222 |
| Cost of funding earning assets | 1.0919% | 3,303 |
| Net interest margin | 5.3506% | 224 |
| Noninterest income to average assets | 0.7028% | 2,536 |
| Noninterest expense to average assets | 3.1084% | 3,220 |
| Loan and lease loss provision to assets | 0.3385% | 2,760 |
| Net operating income to assets | 2.2623% | 235 |
| Return on assets (ROA) | 2.2623% | 250 |
| Pretax return on assets | 2.3557% | 310 |
| Return on Equity (ROE) | 25.0540% | 134 |
| Retained earnings to average equity (ytd only) | 2.8444% | 4,477 |
| Net charge-offs to loans | 0.3044% | 3,351 |
| Credit loss provision to net charge-offs | 127.1008% | 2,404 |
| Earnings coverage of net charge-offs (x) | 10.1155% | 1,851 |
| Efficiency ratio | 53.5680% | 6,662 |
| Assets per employee ($millions) | 3.2998% | 5,427 |
| Cash dividends to net income (ytd only)* | 88.6470% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 5,867 |
| Loan loss allowance to noncurrent loans | 631.1270% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.1622% | 6,686 |
| Noncurrent loans to loans | 0.1777% | 6,544 |
| Net loans and leases to total assets | 87.3020% | 99 |
| Net loans and leases to deposits | 98.1966% | 585 |
| Net loans and leases to core deposits | 108.1139% | 809 |
| Total domestic deposits to total assets | 88.9054% | 1,595 |
| Equity capital to assets | 9.1969% | 5,282 |
| Core capital (leverage) ratio | 9.0925% | 4,583 |
| Tier 1 risk-based capital ratio | 10.2383% | 6,905 |
| Total risk-based capital ratio | 11.3431% | 6,938 |
| Memoranda: | ||
| Average total assets | $357,423,330 | 1,837 |
| Average earning assets | $340,675,000 | 1,755 |
| Average equity | $32,274,330 | 2,046 |
| Average total loans | $312,736,330 | 1,381 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4695% | 222 |
| Cost of funding earning assets | 1.1029% | 3,496 |
| Net interest margin | 5.3666% | 200 |
| Noninterest income to average assets | 0.6325% | 2,944 |
| Noninterest expense to average assets | 3.1390% | 3,111 |
| Loan and lease loss provision to assets | 0.3218% | 2,617 |
| Net operating income to assets | 2.1959% | 264 |
| Return on assets (ROA) | 2.1959% | 276 |
| Pretax return on assets | 2.2774% | 355 |
| Return on Equity (ROE) | 24.5445% | 178 |
| Retained earnings to average equity (ytd only) | -4.7090% | 6,493 |
| Net charge-offs to loans | 0.3156% | 2,789 |
| Credit loss provision to net charge-offs | 117.0732% | 2,315 |
| Earnings coverage of net charge-offs (x) | 9.4553% | 1,719 |
| Efficiency ratio | 54.7030% | 6,627 |
| Assets per employee ($millions) | 3.3530% | 5,353 |
| Cash dividends to net income (ytd only)* | 119.1858% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 6,038 |
| Loan loss allowance to noncurrent loans | 570.6468% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.1734% | 6,727 |
| Noncurrent loans to loans | 0.1931% | 6,581 |
| Net loans and leases to total assets | 86.0943% | 123 |
| Net loans and leases to deposits | 96.9242% | 626 |
| Net loans and leases to core deposits | 107.1515% | 887 |
| Total domestic deposits to total assets | 88.8265% | 1,879 |
| Equity capital to assets | 8.8746% | 5,388 |
| Core capital (leverage) ratio | 8.9706% | 4,659 |
| Tier 1 risk-based capital ratio | 9.9561% | 7,021 |
| Total risk-based capital ratio | 11.0311% | 7,073 |
| Memoranda: | ||
| Average total assets | $357,945,000 | 1,838 |
| Average earning assets | $340,552,500 | 1,770 |
| Average equity | $32,023,500 | 2,047 |
| Average total loans | $311,777,000 | 1,399 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8234% | 193 |
| Cost of funding earning assets | 1.4039% | 3,246 |
| Net interest margin | 5.4195% | 196 |
| Noninterest income to average assets | 0.7250% | 2,676 |
| Noninterest expense to average assets | 3.0960% | 3,473 |
| Loan and lease loss provision to assets | 0.3716% | 3,894 |
| Net operating income to assets | 2.3163% | 151 |
| Return on assets (ROA) | 2.3163% | 158 |
| Pretax return on assets | 2.4206% | 211 |
| Return on Equity (ROE) | 25.8321% | 89 |
| Retained earnings to average equity (ytd only) | 2.6112% | 4,034 |
| Net charge-offs to loans | 0.3119% | 4,461 |
| Credit loss provision to net charge-offs | 136.6839% | 2,805 |
| Earnings coverage of net charge-offs (x) | 10.2694% | 1,734 |
| Efficiency ratio | 52.5792% | 6,939 |
| Assets per employee ($millions) | 3.3691% | 5,245 |
| Cash dividends to net income (ytd only)* | 89.8917% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0921% | 5,975 |
| Loan loss allowance to noncurrent loans | 501.3274% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 6,755 |
| Noncurrent loans to loans | 0.2178% | 6,631 |
| Net loans and leases to total assets | 86.1989% | 178 |
| Net loans and leases to deposits | 96.5260% | 819 |
| Net loans and leases to core deposits | 107.9509% | 1,049 |
| Total domestic deposits to total assets | 89.3012% | 1,495 |
| Equity capital to assets | 9.0187% | 5,116 |
| Core capital (leverage) ratio | 9.0611% | 4,437 |
| Tier 1 risk-based capital ratio | 10.1316% | 6,915 |
| Total risk-based capital ratio | 11.1996% | 6,990 |
| Memoranda: | ||
| Average total assets | $354,912,400 | 1,840 |
| Average earning assets | $338,130,800 | 1,764 |
| Average equity | $31,824,800 | 2,064 |
| Average total loans | $309,358,600 | 1,449 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8580% | 183 |
| Cost of funding earning assets | 1.4624% | 3,206 |
| Net interest margin | 5.3956% | 210 |
| Noninterest income to average assets | 0.7672% | 2,406 |
| Noninterest expense to average assets | 3.1225% | 3,228 |
| Loan and lease loss provision to assets | 0.3556% | 3,770 |
| Net operating income to assets | 2.3283% | 183 |
| Return on assets (ROA) | 2.3283% | 196 |
| Pretax return on assets | 2.4325% | 259 |
| Return on Equity (ROE) | 26.0029% | 99 |
| Retained earnings to average equity (ytd only) | 2.5129% | 4,661 |
| Net charge-offs to loans | 0.3078% | 4,119 |
| Credit loss provision to net charge-offs | 132.5386% | 3,047 |
| Earnings coverage of net charge-offs (x) | 10.3927% | 1,886 |
| Efficiency ratio | 52.8296% | 6,904 |
| Assets per employee ($millions) | 3.3145% | 5,417 |
| Cash dividends to net income (ytd only)* | 90.3362% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 6,171 |
| Loan loss allowance to noncurrent loans | 495.0151% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.1902% | 6,889 |
| Noncurrent loans to loans | 0.2118% | 6,756 |
| Net loans and leases to total assets | 88.8650% | 85 |
| Net loans and leases to deposits | 99.1752% | 708 |
| Net loans and leases to core deposits | 109.7757% | 1,045 |
| Total domestic deposits to total assets | 89.6041% | 1,068 |
| Equity capital to assets | 9.1986% | 5,312 |
| Core capital (leverage) ratio | 9.0800% | 4,557 |
| Tier 1 risk-based capital ratio | 10.0908% | 7,017 |
| Total risk-based capital ratio | 11.1238% | 7,122 |
| Memoranda: | ||
| Average total assets | $354,359,750 | 1,869 |
| Average earning assets | $337,795,750 | 1,794 |
| Average equity | $31,729,000 | 2,085 |
| Average total loans | $308,889,500 | 1,474 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7692% | 217 |
| Cost of funding earning assets | 1.4990% | 3,266 |
| Net interest margin | 5.2702% | 257 |
| Noninterest income to average assets | 0.8124% | 2,055 |
| Noninterest expense to average assets | 3.0600% | 3,471 |
| Loan and lease loss provision to assets | 0.3798% | 3,435 |
| Net operating income to assets | 2.2908% | 197 |
| Return on assets (ROA) | 2.2908% | 216 |
| Pretax return on assets | 2.3929% | 284 |
| Return on Equity (ROE) | 25.8137% | 109 |
| Retained earnings to average equity (ytd only) | 3.7491% | 3,711 |
| Net charge-offs to loans | 0.3432% | 3,629 |
| Credit loss provision to net charge-offs | 128.2197% | 3,136 |
| Earnings coverage of net charge-offs (x) | 9.3598% | 2,032 |
| Efficiency ratio | 52.4625% | 7,029 |
| Assets per employee ($millions) | 3.4041% | 5,174 |
| Cash dividends to net income (ytd only)* | 85.4764% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 6,262 |
| Loan loss allowance to noncurrent loans | 492.9012% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 6,932 |
| Noncurrent loans to loans | 0.2093% | 6,833 |
| Net loans and leases to total assets | 86.5296% | 195 |
| Net loans and leases to deposits | 96.3867% | 1,011 |
| Net loans and leases to core deposits | 108.4877% | 1,265 |
| Total domestic deposits to total assets | 89.7734% | 1,037 |
| Equity capital to assets | 9.0411% | 5,379 |
| Core capital (leverage) ratio | 8.9346% | 4,703 |
| Tier 1 risk-based capital ratio | 10.1016% | 6,972 |
| Total risk-based capital ratio | 11.1096% | 7,081 |
| Memoranda: | ||
| Average total assets | $356,472,670 | 1,880 |
| Average earning assets | $339,566,670 | 1,805 |
| Average equity | $31,634,330 | 2,090 |
| Average total loans | $307,670,670 | 1,490 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7566% | 239 |
| Cost of funding earning assets | 1.5325% | 3,364 |
| Net interest margin | 5.2241% | 275 |
| Noninterest income to average assets | 0.8119% | 1,961 |
| Noninterest expense to average assets | 3.0652% | 3,407 |
| Loan and lease loss provision to assets | 0.3679% | 3,161 |
| Net operating income to assets | 2.2511% | 232 |
| Return on assets (ROA) | 2.2511% | 258 |
| Pretax return on assets | 2.3495% | 324 |
| Return on Equity (ROE) | 25.6046% | 147 |
| Retained earnings to average equity (ytd only) | 0.8268% | 5,485 |
| Net charge-offs to loans | 0.3482% | 3,018 |
| Credit loss provision to net charge-offs | 123.2210% | 2,839 |
| Earnings coverage of net charge-offs (x) | 9.1011% | 1,894 |
| Efficiency ratio | 53.0072% | 7,057 |
| Assets per employee ($millions) | 3.4159% | 5,244 |
| Cash dividends to net income (ytd only)* | 96.7710% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 6,415 |
| Loan loss allowance to noncurrent loans | 445.1289% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.1946% | 6,980 |
| Noncurrent loans to loans | 0.2266% | 6,882 |
| Net loans and leases to total assets | 85.0131% | 288 |
| Net loans and leases to deposits | 94.7898% | 1,257 |
| Net loans and leases to core deposits | 106.6200% | 1,527 |
| Total domestic deposits to total assets | 89.6860% | 1,144 |
| Equity capital to assets | 8.7769% | 5,596 |
| Core capital (leverage) ratio | 8.8411% | 4,804 |
| Tier 1 risk-based capital ratio | 9.9117% | 7,088 |
| Total risk-based capital ratio | 10.8899% | 7,226 |
| Memoranda: | ||
| Average total assets | $357,695,000 | 1,918 |
| Average earning assets | $340,348,500 | 1,838 |
| Average equity | $31,447,500 | 2,115 |
| Average total loans | $306,739,500 | 1,539 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2620% | 183 |
| Cost of funding earning assets | 1.8116% | 3,930 |
| Net interest margin | 5.4505% | 194 |
| Noninterest income to average assets | 0.7762% | 2,531 |
| Noninterest expense to average assets | 3.0854% | 3,811 |
| Loan and lease loss provision to assets | 0.6216% | 3,317 |
| Net operating income to assets | 2.1332% | 173 |
| Return on assets (ROA) | 2.1332% | 186 |
| Pretax return on assets | 2.2572% | 246 |
| Return on Equity (ROE) | 24.3627% | 103 |
| Retained earnings to average equity (ytd only) | 4.0330% | 2,395 |
| Net charge-offs to loans | 0.4764% | 3,874 |
| Credit loss provision to net charge-offs | 148.3448% | 3,153 |
| Earnings coverage of net charge-offs (x) | 6.8703% | 2,273 |
| Efficiency ratio | 51.7322% | 7,407 |
| Assets per employee ($millions) | 3.5672% | 4,853 |
| Cash dividends to net income (ytd only)* | 83.4462% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 6,409 |
| Loan loss allowance to noncurrent loans | 395.9688% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.2156% | 6,927 |
| Noncurrent loans to loans | 0.2518% | 6,793 |
| Net loans and leases to total assets | 84.7753% | 368 |
| Net loans and leases to deposits | 94.4887% | 1,534 |
| Net loans and leases to core deposits | 124.5241% | 1,604 |
| Total domestic deposits to total assets | 89.7200% | 1,097 |
| Equity capital to assets | 8.8066% | 5,427 |
| Core capital (leverage) ratio | 8.9295% | 4,542 |
| Tier 1 risk-based capital ratio | 9.9239% | 6,937 |
| Total risk-based capital ratio | 10.8858% | 7,112 |
| Memoranda: | ||
| Average total assets | $346,051,000 | 1,973 |
| Average earning assets | $329,383,800 | 1,886 |
| Average equity | $30,300,400 | 2,207 |
| Average total loans | $304,334,600 | 1,579 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2966% | 194 |
| Cost of funding earning assets | 1.8691% | 4,052 |
| Net interest margin | 5.4275% | 203 |
| Noninterest income to average assets | 0.7964% | 2,447 |
| Noninterest expense to average assets | 3.2096% | 3,271 |
| Loan and lease loss provision to assets | 0.4997% | 3,397 |
| Net operating income to assets | 2.1239% | 222 |
| Return on assets (ROA) | 2.1239% | 242 |
| Pretax return on assets | 2.2567% | 307 |
| Return on Equity (ROE) | 24.2929% | 118 |
| Retained earnings to average equity (ytd only) | 4.0414% | 3,020 |
| Net charge-offs to loans | 0.4460% | 3,447 |
| Credit loss provision to net charge-offs | 126.5487% | 3,973 |
| Earnings coverage of net charge-offs (x) | 6.9803% | 2,504 |
| Efficiency ratio | 53.7976% | 7,257 |
| Assets per employee ($millions) | 3.5217% | 4,876 |
| Cash dividends to net income (ytd only)* | 83.3638% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8432% | 6,974 |
| Loan loss allowance to noncurrent loans | 299.4273% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 6,876 |
| Noncurrent loans to loans | 0.2816% | 6,809 |
| Net loans and leases to total assets | 89.0647% | 154 |
| Net loans and leases to deposits | 99.6521% | 1,135 |
| Net loans and leases to core deposits | 127.0907% | 1,647 |
| Total domestic deposits to total assets | 89.3756% | 1,025 |
| Equity capital to assets | 9.0120% | 5,462 |
| Core capital (leverage) ratio | 9.0644% | 4,550 |
| Tier 1 risk-based capital ratio | 9.8345% | 7,105 |
| Total risk-based capital ratio | 10.6610% | 7,400 |
| Memoranda: | ||
| Average total assets | $343,383,000 | 2,000 |
| Average earning assets | $327,064,500 | 1,916 |
| Average equity | $30,021,750 | 2,253 |
| Average total loans | $304,053,750 | 1,594 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2591% | 223 |
| Cost of funding earning assets | 1.9198% | 4,164 |
| Net interest margin | 5.3393% | 231 |
| Noninterest income to average assets | 0.7824% | 2,502 |
| Noninterest expense to average assets | 3.1622% | 3,463 |
| Loan and lease loss provision to assets | 0.4749% | 3,146 |
| Net operating income to assets | 2.0834% | 245 |
| Return on assets (ROA) | 2.0834% | 270 |
| Pretax return on assets | 2.2322% | 332 |
| Return on Equity (ROE) | 24.0785% | 154 |
| Retained earnings to average equity (ytd only) | 3.5804% | 3,308 |
| Net charge-offs to loans | 0.3853% | 3,275 |
| Credit loss provision to net charge-offs | 139.8625% | 3,340 |
| Earnings coverage of net charge-offs (x) | 7.9725% | 2,346 |
| Efficiency ratio | 53.8767% | 7,348 |
| Assets per employee ($millions) | 3.4372% | 4,985 |
| Cash dividends to net income (ytd only)* | 85.1302% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8361% | 7,033 |
| Loan loss allowance to noncurrent loans | 339.3939% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.2231% | 6,944 |
| Noncurrent loans to loans | 0.2464% | 6,894 |
| Net loans and leases to total assets | 89.7816% | 145 |
| Net loans and leases to deposits | 100.6639% | 1,218 |
| Net loans and leases to core deposits | 128.1832% | 1,699 |
| Total domestic deposits to total assets | 89.1895% | 1,174 |
| Equity capital to assets | 9.0291% | 5,274 |
| Core capital (leverage) ratio | 8.9700% | 4,681 |
| Tier 1 risk-based capital ratio | 9.7875% | 7,150 |
| Total risk-based capital ratio | 10.6081% | 7,484 |
| Memoranda: | ||
| Average total assets | $342,801,000 | 2,019 |
| Average earning assets | $326,596,330 | 1,938 |
| Average equity | $29,661,330 | 2,293 |
| Average total loans | $302,071,000 | 1,640 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1230% | 276 |
| Cost of funding earning assets | 1.9747% | 4,264 |
| Net interest margin | 5.1483% | 305 |
| Noninterest income to average assets | 0.7417% | 2,647 |
| Noninterest expense to average assets | 2.9995% | 3,774 |
| Loan and lease loss provision to assets | 0.3348% | 3,313 |
| Net operating income to assets | 2.0857% | 295 |
| Return on assets (ROA) | 2.0857% | 340 |
| Pretax return on assets | 2.3054% | 360 |
| Return on Equity (ROE) | 24.6344% | 202 |
| Retained earnings to average equity (ytd only) | 3.7624% | 3,806 |
| Net charge-offs to loans | 0.3451% | 2,705 |
| Credit loss provision to net charge-offs | 111.6279% | 3,462 |
| Earnings coverage of net charge-offs (x) | 8.8023% | 2,144 |
| Efficiency ratio | 53.1849% | 7,299 |
| Assets per employee ($millions) | 3.4708% | 4,890 |
| Cash dividends to net income (ytd only)* | 84.7269% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7892% | 7,196 |
| Loan loss allowance to noncurrent loans | 371.5180% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.1860% | 6,978 |
| Noncurrent loans to loans | 0.2124% | 6,922 |
| Net loans and leases to total assets | 86.8525% | 349 |
| Net loans and leases to deposits | 96.6791% | 1,840 |
| Net loans and leases to core deposits | 122.0799% | 2,247 |
| Total domestic deposits to total assets | 89.8359% | 870 |
| Equity capital to assets | 8.5175% | 6,047 |
| Core capital (leverage) ratio | 8.5387% | 5,452 |
| Tier 1 risk-based capital ratio | 9.4659% | 7,452 |
| Total risk-based capital ratio | 10.2337% | 7,828 |
| Memoranda: | ||
| Average total assets | $344,062,000 | 2,018 |
| Average earning assets | $327,334,000 | 1,932 |
| Average equity | $29,130,000 | 2,338 |
| Average total loans | $299,064,500 | 1,672 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6820% | 291 |
| Cost of funding earning assets | 2.6364% | 3,503 |
| Net interest margin | 5.0456% | 459 |
| Noninterest income to average assets | 0.8133% | 2,436 |
| Noninterest expense to average assets | 2.9720% | 4,177 |
| Loan and lease loss provision to assets | 0.3180% | 3,832 |
| Net operating income to assets | 2.2271% | 222 |
| Return on assets (ROA) | 2.2271% | 219 |
| Pretax return on assets | 2.2806% | 329 |
| Return on Equity (ROE) | 26.0771% | 113 |
| Retained earnings to average equity (ytd only) | 5.4769% | 1,773 |
| Net charge-offs to loans | 0.2877% | 3,481 |
| Credit loss provision to net charge-offs | 125.7177% | 4,246 |
| Earnings coverage of net charge-offs (x) | 10.2739% | 2,542 |
| Efficiency ratio | 53.3511% | 7,346 |
| Assets per employee ($millions) | 3.5517% | 4,540 |
| Cash dividends to net income (ytd only)* | 78.9974% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7884% | 7,149 |
| Loan loss allowance to noncurrent loans | 308.8274% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.2203% | 6,690 |
| Noncurrent loans to loans | 0.2553% | 6,617 |
| Net loans and leases to total assets | 85.6212% | 652 |
| Net loans and leases to deposits | 95.3581% | 2,553 |
| Net loans and leases to core deposits | 121.8933% | 2,517 |
| Total domestic deposits to total assets | 89.7891% | 726 |
| Equity capital to assets | 8.4156% | 6,228 |
| Core capital (leverage) ratio | 8.4957% | 5,586 |
| Tier 1 risk-based capital ratio | 9.4472% | 7,369 |
| Total risk-based capital ratio | 10.2110% | 7,816 |
| Memoranda: | ||
| Average total assets | $330,522,600 | 2,023 |
| Average earning assets | $311,638,400 | 1,956 |
| Average equity | $28,227,800 | 2,395 |
| Average total loans | $290,630,200 | 1,663 |