Home > Sturgis Bank & Trust Company > Performance and Condition Ratios
Sturgis Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0309% | 2,013 |
| Cost of funding earning assets | 1.4053% | 2,217 |
| Net interest margin | 3.6256% | 1,917 |
| Noninterest income to average assets | 0.9800% | 657 |
| Noninterest expense to average assets | 2.9986% | 1,128 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 0.9504% | 2,363 |
| Return on assets (ROA) | 0.9380% | 2,397 |
| Pretax return on assets | 1.1356% | 2,300 |
| Return on Equity (ROE) | 12.2000% | 1,910 |
| Retained earnings to average equity (ytd only) | 6.3604% | 2,108 |
| Net charge-offs to loans | -0.0228% | 4,206 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.8696% | 1,896 |
| Assets per employee ($millions) | 4.8112% | 3,768 |
| Cash dividends to net income (ytd only)* | 47.8558% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 1,559 |
| Loan loss allowance to noncurrent loans | 91.5111% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 1.2269% | 348 |
| Noncurrent loans to loans | 1.4821% | 465 |
| Net loans and leases to total assets | 80.7200% | 560 |
| Net loans and leases to deposits | 92.7974% | 1,028 |
| Net loans and leases to core deposits | 129.3199% | 410 |
| Total domestic deposits to total assets | 86.9800% | 1,691 |
| Equity capital to assets | 7.5866% | 3,667 |
| Core capital (leverage) ratio | 8.0483% | 4,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4012% | 2,451 |
| Memoranda: | ||
| Average total assets | $889,961,800 | 1,096 |
| Average earning assets | $813,630,400 | 1,096 |
| Average equity | $68,439,600 | 1,270 |
| Average total loans | $732,125,400 | 920 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9836% | 1,863 |
| Cost of funding earning assets | 1.2808% | 2,196 |
| Net interest margin | 3.7028% | 1,770 |
| Noninterest income to average assets | 1.0300% | 613 |
| Noninterest expense to average assets | 2.9869% | 1,090 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.1412% | 1,937 |
| Return on assets (ROA) | 1.1247% | 1,956 |
| Pretax return on assets | 1.3721% | 1,840 |
| Return on Equity (ROE) | 14.5700% | 1,533 |
| Retained earnings to average equity (ytd only) | 10.8640% | 1,182 |
| Net charge-offs to loans | -0.0420% | 4,324 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.7577% | 2,039 |
| Assets per employee ($millions) | 4.6725% | 3,833 |
| Cash dividends to net income (ytd only)* | 25.4433% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 1,984 |
| Loan loss allowance to noncurrent loans | 551.6503% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 2,232 |
| Noncurrent loans to loans | 0.2313% | 2,423 |
| Net loans and leases to total assets | 82.1700% | 422 |
| Net loans and leases to deposits | 91.0322% | 1,139 |
| Net loans and leases to core deposits | 123.5385% | 471 |
| Total domestic deposits to total assets | 90.2700% | 871 |
| Equity capital to assets | 7.7964% | 3,183 |
| Core capital (leverage) ratio | 8.2245% | 4,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9781% | 2,277 |
| Memoranda: | ||
| Average total assets | $882,450,750 | 1,104 |
| Average earning assets | $805,525,500 | 1,102 |
| Average equity | $68,113,000 | 1,266 |
| Average total loans | $727,177,000 | 924 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8569% | 1,867 |
| Cost of funding earning assets | 1.1478% | 2,139 |
| Net interest margin | 3.7091% | 1,799 |
| Noninterest income to average assets | 0.7800% | 903 |
| Noninterest expense to average assets | 2.9803% | 1,076 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.9228% | 2,679 |
| Return on assets (ROA) | 0.8979% | 2,746 |
| Pretax return on assets | 1.1012% | 2,644 |
| Return on Equity (ROE) | 11.6700% | 2,254 |
| Retained earnings to average equity (ytd only) | 7.3034% | 2,193 |
| Net charge-offs to loans | -0.0613% | 4,426 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.5803% | 1,603 |
| Assets per employee ($millions) | 4.7821% | 3,761 |
| Cash dividends to net income (ytd only)* | 37.4365% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2920% | 1,961 |
| Loan loss allowance to noncurrent loans | 2,753.0259% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 3,067 |
| Noncurrent loans to loans | 0.0469% | 3,383 |
| Net loans and leases to total assets | 81.6200% | 462 |
| Net loans and leases to deposits | 91.6192% | 1,051 |
| Net loans and leases to core deposits | 123.2806% | 447 |
| Total domestic deposits to total assets | 89.0800% | 1,230 |
| Equity capital to assets | 7.6795% | 3,416 |
| Core capital (leverage) ratio | 8.1002% | 4,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5060% | 2,460 |
| Memoranda: | ||
| Average total assets | $877,563,000 | 1,099 |
| Average earning assets | $800,300,333 | 1,101 |
| Average equity | $67,503,000 | 1,272 |
| Average total loans | $720,661,667 | 914 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7873% | 1,656 |
| Cost of funding earning assets | 1.0571% | 1,869 |
| Net interest margin | 3.7302% | 1,831 |
| Noninterest income to average assets | 0.7700% | 918 |
| Noninterest expense to average assets | 2.9999% | 1,062 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.8638% | 2,979 |
| Return on assets (ROA) | 0.8638% | 2,926 |
| Pretax return on assets | 1.0561% | 2,842 |
| Return on Equity (ROE) | 11.2200% | 2,436 |
| Retained earnings to average equity (ytd only) | 8.2311% | 2,157 |
| Net charge-offs to loans | 0.0079% | 1,654 |
| Credit loss provision to net charge-offs | 1,707.1429% | 231 |
| Earnings coverage of net charge-offs (x) | 181.0000% | 533 |
| Efficiency ratio | 72.0093% | 1,530 |
| Assets per employee ($millions) | 4.7742% | 3,818 |
| Cash dividends to net income (ytd only)* | 26.6383% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3043% | 2,012 |
| Loan loss allowance to noncurrent loans | 2,149.7696% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 2,979 |
| Noncurrent loans to loans | 0.0607% | 3,301 |
| Net loans and leases to total assets | 80.8100% | 470 |
| Net loans and leases to deposits | 89.3800% | 1,099 |
| Net loans and leases to core deposits | 116.8467% | 514 |
| Total domestic deposits to total assets | 90.4100% | 1,008 |
| Equity capital to assets | 7.6632% | 3,467 |
| Core capital (leverage) ratio | 7.9533% | 4,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6210% | 2,526 |
| Memoranda: | ||
| Average total assets | $869,214,500 | 1,121 |
| Average earning assets | $792,339,000 | 1,123 |
| Average equity | $66,917,000 | 1,290 |
| Average total loans | $711,289,500 | 940 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9518% | 1,849 |
| Cost of funding earning assets | 0.4974% | 1,406 |
| Net interest margin | 3.4544% | 2,083 |
| Noninterest income to average assets | 0.8500% | 895 |
| Noninterest expense to average assets | 2.8080% | 1,299 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9681% | 2,686 |
| Return on assets (ROA) | 0.9681% | 2,631 |
| Pretax return on assets | 1.1778% | 2,511 |
| Return on Equity (ROE) | 11.8800% | 2,180 |
| Retained earnings to average equity (ytd only) | 7.9368% | 1,862 |
| Net charge-offs to loans | -0.0174% | 4,017 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.2989% | 1,642 |
| Assets per employee ($millions) | 4.7776% | 3,833 |
| Cash dividends to net income (ytd only)* | 33.1929% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0097% | 3,309 |
| Loan loss allowance to noncurrent loans | 3,275.6881% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 3,102 |
| Noncurrent loans to loans | 0.0308% | 3,561 |
| Net loans and leases to total assets | 80.9600% | 502 |
| Net loans and leases to deposits | 97.2525% | 575 |
| Net loans and leases to core deposits | 122.6522% | 326 |
| Total domestic deposits to total assets | 83.2500% | 3,364 |
| Equity capital to assets | 7.7343% | 3,226 |
| Core capital (leverage) ratio | 8.0926% | 4,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4422% | 2,593 |
| Memoranda: | ||
| Average total assets | $809,080,000 | 1,177 |
| Average earning assets | $734,771,800 | 1,183 |
| Average equity | $65,933,000 | 1,310 |
| Average total loans | $630,571,000 | 997 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7347% | 1,947 |
| Cost of funding earning assets | 0.4006% | 1,284 |
| Net interest margin | 3.3341% | 2,189 |
| Noninterest income to average assets | 0.8900% | 844 |
| Noninterest expense to average assets | 2.7771% | 1,293 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9380% | 2,721 |
| Return on assets (ROA) | 0.9380% | 2,684 |
| Pretax return on assets | 1.1367% | 2,606 |
| Return on Equity (ROE) | 11.3500% | 2,251 |
| Retained earnings to average equity (ytd only) | 7.6594% | 2,129 |
| Net charge-offs to loans | -0.0218% | 4,017 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.8839% | 1,655 |
| Assets per employee ($millions) | 4.5765% | 4,000 |
| Cash dividends to net income (ytd only)* | 32.5349% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0523% | 3,239 |
| Loan loss allowance to noncurrent loans | 41,947.0588% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0466% | 3,437 |
| Noncurrent loans to loans | 0.0025% | 3,953 |
| Net loans and leases to total assets | 79.6300% | 561 |
| Net loans and leases to deposits | 89.8862% | 896 |
| Net loans and leases to core deposits | 109.8339% | 474 |
| Total domestic deposits to total assets | 88.5900% | 2,247 |
| Equity capital to assets | 7.7380% | 3,059 |
| Core capital (leverage) ratio | 8.2462% | 4,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6477% | 2,603 |
| Memoranda: | ||
| Average total assets | $795,162,500 | 1,195 |
| Average earning assets | $721,887,000 | 1,205 |
| Average equity | $65,695,750 | 1,323 |
| Average total loans | $611,402,000 | 1,022 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5530% | 1,987 |
| Cost of funding earning assets | 0.3792% | 1,051 |
| Net interest margin | 3.1738% | 2,271 |
| Noninterest income to average assets | 0.9567% | 740 |
| Noninterest expense to average assets | 2.8397% | 1,100 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8226% | 2,876 |
| Return on assets (ROA) | 0.8226% | 2,849 |
| Pretax return on assets | 0.9991% | 2,741 |
| Return on Equity (ROE) | 9.7337% | 2,430 |
| Retained earnings to average equity (ytd only) | 5.7261% | 2,424 |
| Net charge-offs to loans | -0.0835% | 4,394 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8939% | 1,521 |
| Assets per employee ($millions) | 4.5254% | 4,056 |
| Cash dividends to net income (ytd only)* | 41.1728% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 2,866 |
| Loan loss allowance to noncurrent loans | 8,176.4045% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 3,565 |
| Noncurrent loans to loans | 0.0143% | 3,861 |
| Net loans and leases to total assets | 78.6645% | 509 |
| Net loans and leases to deposits | 89.7032% | 737 |
| Net loans and leases to core deposits | 102.5094% | 569 |
| Total domestic deposits to total assets | 87.6942% | 2,699 |
| Equity capital to assets | 8.2997% | 2,905 |
| Core capital (leverage) ratio | 8.3393% | 4,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $779,525,333 | 1,214 |
| Average earning assets | $707,847,000 | 1,239 |
| Average equity | $65,874,333 | 1,349 |
| Average total loans | $589,313,667 | 1,038 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4114% | 2,055 |
| Cost of funding earning assets | 0.4016% | 862 |
| Net interest margin | 3.0099% | 2,469 |
| Noninterest income to average assets | 1.0249% | 655 |
| Noninterest expense to average assets | 2.8443% | 1,073 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7554% | 2,828 |
| Return on assets (ROA) | 0.7554% | 2,823 |
| Pretax return on assets | 0.9133% | 2,723 |
| Return on Equity (ROE) | 8.8597% | 2,365 |
| Retained earnings to average equity (ytd only) | 5.8442% | 2,297 |
| Net charge-offs to loans | -0.0587% | 4,312 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5987% | 1,575 |
| Assets per employee ($millions) | 4.8735% | 3,868 |
| Cash dividends to net income (ytd only)* | 34.0368% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2094% | 2,810 |
| Loan loss allowance to noncurrent loans | 5,231.6176% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 3,888 |
| Noncurrent loans to loans | 0.0231% | 3,826 |
| Net loans and leases to total assets | 72.2744% | 808 |
| Net loans and leases to deposits | 86.7071% | 692 |
| Net loans and leases to core deposits | 97.6837% | 587 |
| Total domestic deposits to total assets | 83.3546% | 3,894 |
| Equity capital to assets | 8.1771% | 3,425 |
| Core capital (leverage) ratio | 8.4149% | 3,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $777,840,000 | 1,221 |
| Average earning assets | $706,211,000 | 1,249 |
| Average equity | $66,322,500 | 1,383 |
| Average total loans | $572,401,500 | 1,050 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6947% | 2,129 |
| Cost of funding earning assets | 0.5097% | 891 |
| Net interest margin | 3.1850% | 2,641 |
| Noninterest income to average assets | 1.3467% | 596 |
| Noninterest expense to average assets | 2.8307% | 1,286 |
| Loan and lease loss provision to assets | 0.1522% | 791 |
| Net operating income to assets | 1.0452% | 2,498 |
| Return on assets (ROA) | 1.0452% | 2,574 |
| Pretax return on assets | 1.2728% | 2,450 |
| Return on Equity (ROE) | 11.7350% | 1,904 |
| Retained earnings to average equity (ytd only) | 10.9397% | 712 |
| Net charge-offs to loans | 0.0538% | 1,257 |
| Credit loss provision to net charge-offs | 391.9708% | 920 |
| Earnings coverage of net charge-offs (x) | 36.7080% | 1,482 |
| Efficiency ratio | 66.4203% | 2,208 |
| Assets per employee ($millions) | 4.7870% | 3,900 |
| Cash dividends to net income (ytd only)* | 6.7769% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2634% | 2,545 |
| Loan loss allowance to noncurrent loans | 7,102.0202% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 4,011 |
| Noncurrent loans to loans | 0.0178% | 3,951 |
| Net loans and leases to total assets | 73.1125% | 738 |
| Net loans and leases to deposits | 94.0524% | 381 |
| Net loans and leases to core deposits | 103.0724% | 435 |
| Total domestic deposits to total assets | 77.7360% | 4,422 |
| Equity capital to assets | 8.9003% | 3,719 |
| Core capital (leverage) ratio | 8.7490% | 3,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $705,868,800 | 1,277 |
| Average earning assets | $644,684,600 | 1,299 |
| Average equity | $62,871,800 | 1,457 |
| Average total loans | $509,386,200 | 1,148 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8317% | 1,947 |
| Cost of funding earning assets | 0.5228% | 935 |
| Net interest margin | 3.3089% | 2,395 |
| Noninterest income to average assets | 1.1848% | 810 |
| Noninterest expense to average assets | 2.7618% | 1,428 |
| Loan and lease loss provision to assets | 0.2062% | 490 |
| Net operating income to assets | 1.0272% | 2,811 |
| Return on assets (ROA) | 1.0272% | 2,876 |
| Pretax return on assets | 1.2451% | 2,788 |
| Return on Equity (ROE) | 11.5298% | 2,201 |
| Retained earnings to average equity (ytd only) | 11.5298% | 938 |
| Net charge-offs to loans | 0.0557% | 1,094 |
| Credit loss provision to net charge-offs | 516.3462% | 747 |
| Earnings coverage of net charge-offs (x) | 36.3413% | 1,425 |
| Efficiency ratio | 65.4530% | 2,179 |
| Assets per employee ($millions) | 4.5788% | 4,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3495% | 2,228 |
| Loan loss allowance to noncurrent loans | 1,765.4229% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 3,755 |
| Noncurrent loans to loans | 0.0764% | 3,711 |
| Net loans and leases to total assets | 72.1707% | 859 |
| Net loans and leases to deposits | 89.0050% | 657 |
| Net loans and leases to core deposits | 103.0568% | 491 |
| Total domestic deposits to total assets | 81.0861% | 4,079 |
| Equity capital to assets | 9.0727% | 3,763 |
| Core capital (leverage) ratio | 8.7764% | 3,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $694,446,500 | 1,309 |
| Average earning assets | $635,558,500 | 1,323 |
| Average equity | $61,867,000 | 1,495 |
| Average total loans | $497,604,250 | 1,184 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5823% | 2,679 |
| Cost of funding earning assets | 0.5331% | 1,020 |
| Net interest margin | 3.0491% | 3,180 |
| Noninterest income to average assets | 1.3557% | 648 |
| Noninterest expense to average assets | 2.6936% | 1,603 |
| Loan and lease loss provision to assets | 0.2894% | 305 |
| Net operating income to assets | 0.9521% | 3,058 |
| Return on assets (ROA) | 0.9521% | 3,145 |
| Pretax return on assets | 1.1578% | 3,033 |
| Return on Equity (ROE) | 10.7558% | 2,510 |
| Retained earnings to average equity (ytd only) | 10.7558% | 1,183 |
| Net charge-offs to loans | 0.0852% | 830 |
| Credit loss provision to net charge-offs | 477.4038% | 696 |
| Earnings coverage of net charge-offs (x) | 23.8750% | 1,451 |
| Efficiency ratio | 64.9448% | 2,306 |
| Assets per employee ($millions) | 4.5294% | 4,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3723% | 2,097 |
| Loan loss allowance to noncurrent loans | 1,803.5990% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 3,638 |
| Noncurrent loans to loans | 0.0761% | 3,805 |
| Net loans and leases to total assets | 71.3629% | 1,034 |
| Net loans and leases to deposits | 88.2089% | 764 |
| Net loans and leases to core deposits | 102.9408% | 565 |
| Total domestic deposits to total assets | 80.9021% | 4,100 |
| Equity capital to assets | 9.0055% | 3,792 |
| Core capital (leverage) ratio | 8.6200% | 3,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $686,302,333 | 1,316 |
| Average earning assets | $626,866,667 | 1,335 |
| Average equity | $60,748,667 | 1,512 |
| Average total loans | $488,166,667 | 1,207 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4914% | 2,952 |
| Cost of funding earning assets | 0.5415% | 1,156 |
| Net interest margin | 2.9499% | 3,383 |
| Noninterest income to average assets | 1.5907% | 553 |
| Noninterest expense to average assets | 2.7425% | 1,510 |
| Loan and lease loss provision to assets | 0.3762% | 212 |
| Net operating income to assets | 0.9584% | 2,940 |
| Return on assets (ROA) | 0.9584% | 3,033 |
| Pretax return on assets | 1.1630% | 2,943 |
| Return on Equity (ROE) | 10.9262% | 2,388 |
| Retained earnings to average equity (ytd only) | 10.9262% | 1,420 |
| Net charge-offs to loans | 0.2106% | 391 |
| Credit loss provision to net charge-offs | 253.3865% | 813 |
| Earnings coverage of net charge-offs (x) | 10.3665% | 1,502 |
| Efficiency ratio | 63.9403% | 2,472 |
| Assets per employee ($millions) | 4.6327% | 3,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 2,267 |
| Loan loss allowance to noncurrent loans | 1,323.2000% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.1002% | 3,687 |
| Noncurrent loans to loans | 0.1010% | 3,798 |
| Net loans and leases to total assets | 68.9152% | 1,413 |
| Net loans and leases to deposits | 86.7188% | 911 |
| Net loans and leases to core deposits | 104.2256% | 568 |
| Total domestic deposits to total assets | 79.4698% | 4,272 |
| Equity capital to assets | 8.7153% | 3,949 |
| Core capital (leverage) ratio | 8.5879% | 4,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $676,160,000 | 1,324 |
| Average earning assets | $616,836,000 | 1,344 |
| Average equity | $59,307,000 | 1,531 |
| Average total loans | $476,621,500 | 1,228 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1795% | 2,200 |
| Cost of funding earning assets | 0.6930% | 1,752 |
| Net interest margin | 3.4865% | 2,510 |
| Noninterest income to average assets | 1.5583% | 503 |
| Noninterest expense to average assets | 2.8680% | 1,763 |
| Loan and lease loss provision to assets | 0.5048% | 480 |
| Net operating income to assets | 1.0894% | 1,962 |
| Return on assets (ROA) | 1.1121% | 1,998 |
| Pretax return on assets | 1.3478% | 1,825 |
| Return on Equity (ROE) | 13.8137% | 859 |
| Retained earnings to average equity (ytd only) | 10.2402% | 546 |
| Net charge-offs to loans | 0.0285% | 2,466 |
| Credit loss provision to net charge-offs | 2,476.0684% | 376 |
| Earnings coverage of net charge-offs (x) | 89.5299% | 845 |
| Efficiency ratio | 60.9787% | 3,320 |
| Assets per employee ($millions) | 4.3777% | 4,031 |
| Cash dividends to net income (ytd only)* | 25.8696% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 2,147 |
| Loan loss allowance to noncurrent loans | 515.8113% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 3,085 |
| Noncurrent loans to loans | 0.2637% | 3,251 |
| Net loans and leases to total assets | 70.2270% | 1,529 |
| Net loans and leases to deposits | 88.1478% | 1,077 |
| Net loans and leases to core deposits | 106.3729% | 629 |
| Total domestic deposits to total assets | 79.6697% | 4,109 |
| Equity capital to assets | 8.8327% | 4,194 |
| Core capital (leverage) ratio | 8.8528% | 3,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $573,877,800 | 1,387 |
| Average earning assets | $516,018,000 | 1,419 |
| Average equity | $46,200,400 | 1,804 |
| Average total loans | $409,922,600 | 1,326 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2138% | 2,358 |
| Cost of funding earning assets | 0.7274% | 1,866 |
| Net interest margin | 3.4865% | 2,633 |
| Noninterest income to average assets | 1.5425% | 493 |
| Noninterest expense to average assets | 2.8465% | 1,829 |
| Loan and lease loss provision to assets | 0.4965% | 594 |
| Net operating income to assets | 1.1018% | 1,973 |
| Return on assets (ROA) | 1.1331% | 1,991 |
| Pretax return on assets | 1.3669% | 1,830 |
| Return on Equity (ROE) | 14.4812% | 798 |
| Retained earnings to average equity (ytd only) | 10.6504% | 642 |
| Net charge-offs to loans | 0.0332% | 2,165 |
| Credit loss provision to net charge-offs | 2,092.9293% | 458 |
| Earnings coverage of net charge-offs (x) | 76.9697% | 944 |
| Efficiency ratio | 60.7846% | 3,265 |
| Assets per employee ($millions) | 4.4461% | 3,910 |
| Cash dividends to net income (ytd only)* | 26.4538% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1883% | 2,729 |
| Loan loss allowance to noncurrent loans | 404.4743% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.2886% | 3,007 |
| Noncurrent loans to loans | 0.2938% | 3,223 |
| Net loans and leases to total assets | 74.5909% | 1,296 |
| Net loans and leases to deposits | 92.6907% | 1,020 |
| Net loans and leases to core deposits | 112.2666% | 622 |
| Total domestic deposits to total assets | 80.4729% | 3,770 |
| Equity capital to assets | 7.4372% | 4,874 |
| Core capital (leverage) ratio | 7.2579% | 4,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3388% | 2,828 |
| Memoranda: | ||
| Average total assets | $556,468,000 | 1,410 |
| Average earning assets | $499,517,750 | 1,437 |
| Average equity | $43,540,500 | 1,878 |
| Average total loans | $397,864,750 | 1,349 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2313% | 2,664 |
| Cost of funding earning assets | 0.7574% | 2,068 |
| Net interest margin | 3.4739% | 2,871 |
| Noninterest income to average assets | 1.4360% | 508 |
| Noninterest expense to average assets | 2.8298% | 2,021 |
| Loan and lease loss provision to assets | 0.4164% | 951 |
| Net operating income to assets | 1.0783% | 2,041 |
| Return on assets (ROA) | 1.1266% | 2,000 |
| Pretax return on assets | 1.3527% | 1,858 |
| Return on Equity (ROE) | 14.1372% | 858 |
| Retained earnings to average equity (ytd only) | 10.1849% | 758 |
| Net charge-offs to loans | 0.0328% | 2,076 |
| Credit loss provision to net charge-offs | 1,814.5161% | 525 |
| Earnings coverage of net charge-offs (x) | 74.5645% | 845 |
| Efficiency ratio | 62.1648% | 3,103 |
| Assets per employee ($millions) | 4.7490% | 3,474 |
| Cash dividends to net income (ytd only)* | 27.9566% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 3,056 |
| Loan loss allowance to noncurrent loans | 343.7928% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.2420% | 3,352 |
| Noncurrent loans to loans | 0.3201% | 3,238 |
| Net loans and leases to total assets | 65.7134% | 2,665 |
| Net loans and leases to deposits | 94.0154% | 964 |
| Net loans and leases to core deposits | 105.6192% | 903 |
| Total domestic deposits to total assets | 69.8964% | 4,790 |
| Equity capital to assets | 7.0347% | 4,970 |
| Core capital (leverage) ratio | 7.4588% | 4,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6081% | 2,770 |
| Memoranda: | ||
| Average total assets | $540,399,333 | 1,416 |
| Average earning assets | $482,972,333 | 1,451 |
| Average equity | $43,063,667 | 1,882 |
| Average total loans | $378,334,333 | 1,404 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5853% | 2,040 |
| Cost of funding earning assets | 0.8130% | 2,307 |
| Net interest margin | 3.7722% | 2,078 |
| Noninterest income to average assets | 1.4361% | 434 |
| Noninterest expense to average assets | 3.1177% | 1,594 |
| Loan and lease loss provision to assets | 0.1211% | 2,181 |
| Net operating income to assets | 1.2775% | 1,303 |
| Return on assets (ROA) | 1.2775% | 1,400 |
| Pretax return on assets | 1.5325% | 1,227 |
| Return on Equity (ROE) | 14.9532% | 552 |
| Retained earnings to average equity (ytd only) | 10.2891% | 695 |
| Net charge-offs to loans | 0.0706% | 1,321 |
| Credit loss provision to net charge-offs | 237.5000% | 1,320 |
| Earnings coverage of net charge-offs (x) | 32.4219% | 1,132 |
| Efficiency ratio | 65.1745% | 3,064 |
| Assets per employee ($millions) | 4.2094% | 3,647 |
| Cash dividends to net income (ytd only)* | 31.1915% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9674% | 3,859 |
| Loan loss allowance to noncurrent loans | 288.1922% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 3,456 |
| Noncurrent loans to loans | 0.3357% | 3,293 |
| Net loans and leases to total assets | 68.3074% | 2,500 |
| Net loans and leases to deposits | 95.8021% | 928 |
| Net loans and leases to core deposits | 104.6092% | 1,145 |
| Total domestic deposits to total assets | 71.3004% | 4,803 |
| Equity capital to assets | 7.9896% | 4,970 |
| Core capital (leverage) ratio | 8.1308% | 4,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5172% | 2,922 |
| Memoranda: | ||
| Average total assets | $501,913,000 | 1,461 |
| Average earning assets | $443,768,000 | 1,509 |
| Average equity | $42,880,500 | 1,885 |
| Average total loans | $362,396,500 | 1,412 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7876% | 2,080 |
| Cost of funding earning assets | 0.8084% | 2,640 |
| Net interest margin | 3.9793% | 1,912 |
| Noninterest income to average assets | 1.1232% | 751 |
| Noninterest expense to average assets | 3.2178% | 1,480 |
| Loan and lease loss provision to assets | 0.0624% | 2,790 |
| Net operating income to assets | 1.1846% | 2,117 |
| Return on assets (ROA) | 1.1846% | 2,215 |
| Pretax return on assets | 1.4160% | 2,098 |
| Return on Equity (ROE) | 12.6302% | 1,288 |
| Retained earnings to average equity (ytd only) | 5.5798% | 2,115 |
| Net charge-offs to loans | 0.0179% | 3,077 |
| Credit loss provision to net charge-offs | 471.6667% | 616 |
| Earnings coverage of net charge-offs (x) | 111.8167% | 619 |
| Efficiency ratio | 68.3230% | 2,414 |
| Assets per employee ($millions) | 3.8180% | 4,134 |
| Cash dividends to net income (ytd only)* | 55.8222% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 3,692 |
| Loan loss allowance to noncurrent loans | 424.4772% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.2125% | 3,612 |
| Noncurrent loans to loans | 0.2265% | 3,637 |
| Net loans and leases to total assets | 75.0909% | 1,571 |
| Net loans and leases to deposits | 100.6492% | 554 |
| Net loans and leases to core deposits | 111.5889% | 770 |
| Total domestic deposits to total assets | 74.6066% | 4,732 |
| Equity capital to assets | 9.1638% | 4,601 |
| Core capital (leverage) ratio | 8.4105% | 4,888 |
| Tier 1 risk-based capital ratio | 11.6444% | 4,553 |
| Total risk-based capital ratio | 12.6696% | 4,547 |
| Memoranda: | ||
| Average total assets | $453,812,400 | 1,540 |
| Average earning assets | $407,488,600 | 1,592 |
| Average equity | $42,564,600 | 1,831 |
| Average total loans | $335,731,800 | 1,474 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7925% | 2,139 |
| Cost of funding earning assets | 0.8009% | 2,715 |
| Net interest margin | 3.9916% | 1,967 |
| Noninterest income to average assets | 1.1304% | 712 |
| Noninterest expense to average assets | 3.2647% | 1,342 |
| Loan and lease loss provision to assets | 0.0639% | 2,612 |
| Net operating income to assets | 1.1683% | 2,306 |
| Return on assets (ROA) | 1.1693% | 2,386 |
| Pretax return on assets | 1.3897% | 2,348 |
| Return on Equity (ROE) | 12.3920% | 1,482 |
| Retained earnings to average equity (ytd only) | 8.6149% | 1,165 |
| Net charge-offs to loans | 0.0226% | 2,651 |
| Credit loss provision to net charge-offs | 383.9286% | 791 |
| Earnings coverage of net charge-offs (x) | 87.3271% | 813 |
| Efficiency ratio | 69.0089% | 2,256 |
| Assets per employee ($millions) | 3.6959% | 4,281 |
| Cash dividends to net income (ytd only)* | 30.4801% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 3,679 |
| Loan loss allowance to noncurrent loans | 382.7119% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 3,563 |
| Noncurrent loans to loans | 0.2563% | 3,625 |
| Net loans and leases to total assets | 72.2725% | 2,133 |
| Net loans and leases to deposits | 92.4092% | 1,388 |
| Net loans and leases to core deposits | 103.0232% | 1,409 |
| Total domestic deposits to total assets | 78.2092% | 4,308 |
| Equity capital to assets | 9.1279% | 4,709 |
| Core capital (leverage) ratio | 8.7293% | 4,810 |
| Tier 1 risk-based capital ratio | 12.2795% | 4,267 |
| Total risk-based capital ratio | 13.3290% | 4,268 |
| Memoranda: | ||
| Average total assets | $448,906,000 | 1,564 |
| Average earning assets | $403,367,000 | 1,612 |
| Average equity | $42,359,500 | 1,848 |
| Average total loans | $329,924,750 | 1,511 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7886% | 2,097 |
| Cost of funding earning assets | 0.7947% | 2,671 |
| Net interest margin | 3.9940% | 1,942 |
| Noninterest income to average assets | 1.1265% | 665 |
| Noninterest expense to average assets | 3.3186% | 1,248 |
| Loan and lease loss provision to assets | 0.0513% | 2,788 |
| Net operating income to assets | 1.1315% | 2,397 |
| Return on assets (ROA) | 1.1319% | 2,475 |
| Pretax return on assets | 1.3438% | 2,403 |
| Return on Equity (ROE) | 11.8569% | 1,633 |
| Retained earnings to average equity (ytd only) | 8.0551% | 1,370 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1992% | 2,195 |
| Assets per employee ($millions) | 3.6288% | 4,345 |
| Cash dividends to net income (ytd only)* | 32.0641% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9983% | 3,641 |
| Loan loss allowance to noncurrent loans | 420.7809% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.2434% | 3,596 |
| Noncurrent loans to loans | 0.2372% | 3,690 |
| Net loans and leases to total assets | 73.6347% | 1,944 |
| Net loans and leases to deposits | 94.8093% | 1,175 |
| Net loans and leases to core deposits | 107.7551% | 1,118 |
| Total domestic deposits to total assets | 77.6661% | 4,456 |
| Equity capital to assets | 9.4707% | 4,427 |
| Core capital (leverage) ratio | 8.7327% | 4,815 |
| Tier 1 risk-based capital ratio | 12.3649% | 4,211 |
| Total risk-based capital ratio | 13.4362% | 4,190 |
| Memoranda: | ||
| Average total assets | $440,849,670 | 1,592 |
| Average earning assets | $395,894,670 | 1,649 |
| Average equity | $42,085,330 | 1,857 |
| Average total loans | $324,803,000 | 1,539 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7215% | 2,154 |
| Cost of funding earning assets | 0.7760% | 2,660 |
| Net interest margin | 3.9455% | 2,039 |
| Noninterest income to average assets | 1.0663% | 703 |
| Noninterest expense to average assets | 3.4280% | 1,069 |
| Loan and lease loss provision to assets | 0.0348% | 2,927 |
| Net operating income to assets | 0.9791% | 2,926 |
| Return on assets (ROA) | 0.9452% | 3,111 |
| Pretax return on assets | 1.0974% | 3,158 |
| Return on Equity (ROE) | 9.8612% | 2,428 |
| Retained earnings to average equity (ytd only) | 6.0353% | 2,441 |
| Net charge-offs to loans | -0.0038% | 3,958 |
| Credit loss provision to net charge-offs | -1,266.6667% | 3,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2874% | 1,719 |
| Assets per employee ($millions) | 3.5297% | 4,533 |
| Cash dividends to net income (ytd only)* | 38.7973% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 3,670 |
| Loan loss allowance to noncurrent loans | 290.0621% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.3092% | 3,373 |
| Noncurrent loans to loans | 0.3464% | 3,338 |
| Net loans and leases to total assets | 73.0093% | 1,979 |
| Net loans and leases to deposits | 91.4119% | 1,468 |
| Net loans and leases to core deposits | 102.5031% | 1,413 |
| Total domestic deposits to total assets | 79.8684% | 4,194 |
| Equity capital to assets | 9.5465% | 4,214 |
| Core capital (leverage) ratio | 8.7077% | 4,861 |
| Tier 1 risk-based capital ratio | 12.3682% | 4,252 |
| Total risk-based capital ratio | 13.4473% | 4,228 |
| Memoranda: | ||
| Average total assets | $436,291,000 | 1,610 |
| Average earning assets | $390,726,500 | 1,676 |
| Average equity | $41,820,500 | 1,863 |
| Average total loans | $319,868,000 | 1,561 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5046% | 2,444 |
| Cost of funding earning assets | 0.6674% | 2,285 |
| Net interest margin | 3.8372% | 2,544 |
| Noninterest income to average assets | 1.1625% | 685 |
| Noninterest expense to average assets | 3.2684% | 1,396 |
| Loan and lease loss provision to assets | 0.0372% | 3,457 |
| Net operating income to assets | 1.0998% | 2,597 |
| Return on assets (ROA) | 1.0679% | 2,709 |
| Pretax return on assets | 1.2320% | 2,768 |
| Return on Equity (ROE) | 11.4181% | 1,929 |
| Retained earnings to average equity (ytd only) | 7.2230% | 1,568 |
| Net charge-offs to loans | 0.0016% | 3,699 |
| Credit loss provision to net charge-offs | 3,220.0000% | 155 |
| Earnings coverage of net charge-offs (x) | 1,131.6000% | 95 |
| Efficiency ratio | 71.2044% | 2,017 |
| Assets per employee ($millions) | 3.5359% | 4,506 |
| Cash dividends to net income (ytd only)* | 36.7409% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 3,512 |
| Loan loss allowance to noncurrent loans | 252.3847% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.3412% | 3,185 |
| Noncurrent loans to loans | 0.4069% | 3,071 |
| Net loans and leases to total assets | 72.1222% | 2,240 |
| Net loans and leases to deposits | 90.8050% | 1,698 |
| Net loans and leases to core deposits | 104.2897% | 1,391 |
| Total domestic deposits to total assets | 79.4253% | 4,229 |
| Equity capital to assets | 9.6253% | 4,024 |
| Core capital (leverage) ratio | 8.5560% | 4,987 |
| Tier 1 risk-based capital ratio | 12.5139% | 4,125 |
| Total risk-based capital ratio | 13.6113% | 4,082 |
| Memoranda: | ||
| Average total assets | $433,272,200 | 1,584 |
| Average earning assets | $385,232,600 | 1,648 |
| Average equity | $40,523,400 | 1,832 |
| Average total loans | $305,061,000 | 1,577 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4058% | 2,611 |
| Cost of funding earning assets | 0.6350% | 2,243 |
| Net interest margin | 3.7708% | 2,751 |
| Noninterest income to average assets | 1.1847% | 670 |
| Noninterest expense to average assets | 3.2903% | 1,320 |
| Loan and lease loss provision to assets | 0.0519% | 2,943 |
| Net operating income to assets | 1.0451% | 2,892 |
| Return on assets (ROA) | 1.0451% | 2,903 |
| Pretax return on assets | 1.1958% | 3,001 |
| Return on Equity (ROE) | 11.2559% | 2,067 |
| Retained earnings to average equity (ytd only) | 7.2833% | 1,984 |
| Net charge-offs to loans | -0.0057% | 4,248 |
| Credit loss provision to net charge-offs | -1,300.0000% | 4,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2550% | 1,843 |
| Assets per employee ($millions) | 3.6675% | 4,350 |
| Cash dividends to net income (ytd only)* | 35.2941% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0182% | 3,647 |
| Loan loss allowance to noncurrent loans | 278.3576% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 3,571 |
| Noncurrent loans to loans | 0.3658% | 3,338 |
| Net loans and leases to total assets | 70.6961% | 2,541 |
| Net loans and leases to deposits | 88.2223% | 2,126 |
| Net loans and leases to core deposits | 101.6831% | 1,636 |
| Total domestic deposits to total assets | 80.1341% | 4,085 |
| Equity capital to assets | 9.3360% | 4,241 |
| Core capital (leverage) ratio | 8.3606% | 5,168 |
| Tier 1 risk-based capital ratio | 11.9998% | 4,503 |
| Total risk-based capital ratio | 13.0857% | 4,472 |
| Memoranda: | ||
| Average total assets | $433,746,500 | 1,593 |
| Average earning assets | $385,721,500 | 1,650 |
| Average equity | $40,274,000 | 1,840 |
| Average total loans | $302,740,000 | 1,596 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 2,678 |
| Cost of funding earning assets | 0.6028% | 2,207 |
| Net interest margin | 3.7234% | 2,847 |
| Noninterest income to average assets | 1.1878% | 677 |
| Noninterest expense to average assets | 3.3273% | 1,256 |
| Loan and lease loss provision to assets | 0.0648% | 2,601 |
| Net operating income to assets | 0.9623% | 3,184 |
| Return on assets (ROA) | 0.9623% | 3,187 |
| Pretax return on assets | 1.1091% | 3,279 |
| Return on Equity (ROE) | 10.3836% | 2,389 |
| Retained earnings to average equity (ytd only) | 5.5563% | 2,791 |
| Net charge-offs to loans | -0.0034% | 4,028 |
| Credit loss provision to net charge-offs | -2,780.0000% | 4,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6515% | 1,760 |
| Assets per employee ($millions) | 3.6042% | 4,464 |
| Cash dividends to net income (ytd only)* | 46.4891% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0568% | 3,501 |
| Loan loss allowance to noncurrent loans | 211.7182% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.3877% | 3,194 |
| Noncurrent loans to loans | 0.4991% | 2,925 |
| Net loans and leases to total assets | 70.2052% | 2,553 |
| Net loans and leases to deposits | 85.7169% | 2,348 |
| Net loans and leases to core deposits | 101.7023% | 1,581 |
| Total domestic deposits to total assets | 81.9036% | 3,749 |
| Equity capital to assets | 9.4615% | 4,144 |
| Core capital (leverage) ratio | 8.1169% | 5,306 |
| Tier 1 risk-based capital ratio | 12.1437% | 4,407 |
| Total risk-based capital ratio | 13.2644% | 4,360 |
| Memoranda: | ||
| Average total assets | $429,182,330 | 1,615 |
| Average earning assets | $381,914,000 | 1,682 |
| Average equity | $39,774,330 | 1,870 |
| Average total loans | $297,128,000 | 1,622 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1534% | 3,054 |
| Cost of funding earning assets | 0.5824% | 2,154 |
| Net interest margin | 3.5710% | 3,281 |
| Noninterest income to average assets | 1.1711% | 670 |
| Noninterest expense to average assets | 3.3597% | 1,237 |
| Loan and lease loss provision to assets | 0.1127% | 1,673 |
| Net operating income to assets | 0.7733% | 3,820 |
| Return on assets (ROA) | 0.7733% | 3,817 |
| Pretax return on assets | 0.8693% | 3,951 |
| Return on Equity (ROE) | 8.4325% | 3,178 |
| Retained earnings to average equity (ytd only) | 3.5559% | 3,783 |
| Net charge-offs to loans | -0.0027% | 3,856 |
| Credit loss provision to net charge-offs | -6,050.0000% | 4,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1030% | 1,444 |
| Assets per employee ($millions) | 3.7034% | 4,414 |
| Cash dividends to net income (ytd only)* | 57.8313% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0569% | 3,614 |
| Loan loss allowance to noncurrent loans | 215.0067% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.4131% | 3,179 |
| Noncurrent loans to loans | 0.4916% | 3,046 |
| Net loans and leases to total assets | 67.3006% | 2,854 |
| Net loans and leases to deposits | 81.3388% | 2,650 |
| Net loans and leases to core deposits | 96.9004% | 1,910 |
| Total domestic deposits to total assets | 82.7411% | 3,749 |
| Equity capital to assets | 8.9427% | 4,621 |
| Core capital (leverage) ratio | 8.0531% | 5,378 |
| Tier 1 risk-based capital ratio | 11.8810% | 4,619 |
| Total risk-based capital ratio | 12.9950% | 4,600 |
| Memoranda: | ||
| Average total assets | $429,325,000 | 1,619 |
| Average earning assets | $381,178,000 | 1,695 |
| Average equity | $39,371,500 | 1,897 |
| Average total loans | $293,530,000 | 1,642 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2204% | 2,612 |
| Cost of funding earning assets | 0.5437% | 1,998 |
| Net interest margin | 3.6767% | 2,890 |
| Noninterest income to average assets | 1.2895% | 639 |
| Noninterest expense to average assets | 3.5813% | 917 |
| Loan and lease loss provision to assets | -0.0526% | 5,404 |
| Net operating income to assets | 0.9442% | 2,473 |
| Return on assets (ROA) | 0.8432% | 3,006 |
| Pretax return on assets | 0.9029% | 3,917 |
| Return on Equity (ROE) | 9.0338% | 2,298 |
| Retained earnings to average equity (ytd only) | 5.0658% | 2,086 |
| Net charge-offs to loans | -0.0157% | 4,891 |
| Credit loss provision to net charge-offs | 495.3488% | 632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5796% | 1,273 |
| Assets per employee ($millions) | 3.3678% | 4,863 |
| Cash dividends to net income (ytd only)* | 43.9239% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 3,459 |
| Loan loss allowance to noncurrent loans | 199.3511% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.4814% | 2,958 |
| Noncurrent loans to loans | 0.5411% | 2,875 |
| Net loans and leases to total assets | 68.0046% | 2,818 |
| Net loans and leases to deposits | 83.5522% | 2,541 |
| Net loans and leases to core deposits | 97.2835% | 1,914 |
| Total domestic deposits to total assets | 81.3918% | 4,026 |
| Equity capital to assets | 9.4151% | 4,311 |
| Core capital (leverage) ratio | 8.3531% | 5,252 |
| Tier 1 risk-based capital ratio | 12.5470% | 4,176 |
| Total risk-based capital ratio | 13.6910% | 4,143 |
| Memoranda: | ||
| Average total assets | $405,025,400 | 1,684 |
| Average earning assets | $358,097,400 | 1,763 |
| Average equity | $37,802,600 | 1,940 |
| Average total loans | $274,616,800 | 1,689 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1872% | 2,661 |
| Cost of funding earning assets | 0.5335% | 2,001 |
| Net interest margin | 3.6537% | 2,935 |
| Noninterest income to average assets | 1.3216% | 604 |
| Noninterest expense to average assets | 3.5402% | 934 |
| Loan and lease loss provision to assets | -0.0603% | 5,538 |
| Net operating income to assets | 0.8424% | 3,312 |
| Return on assets (ROA) | 0.8373% | 3,387 |
| Pretax return on assets | 1.0707% | 3,420 |
| Return on Equity (ROE) | 8.9911% | 2,606 |
| Retained earnings to average equity (ytd only) | 4.9026% | 2,951 |
| Net charge-offs to loans | -0.0235% | 4,907 |
| Credit loss provision to net charge-offs | 379.1667% | 808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3774% | 1,410 |
| Assets per employee ($millions) | 3.2362% | 5,031 |
| Cash dividends to net income (ytd only)* | 45.4726% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 3,459 |
| Loan loss allowance to noncurrent loans | 334.1935% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.3275% | 3,747 |
| Noncurrent loans to loans | 0.3305% | 3,764 |
| Net loans and leases to total assets | 68.7936% | 2,726 |
| Net loans and leases to deposits | 92.5193% | 1,492 |
| Net loans and leases to core deposits | 95.8243% | 2,095 |
| Total domestic deposits to total assets | 74.3559% | 5,201 |
| Equity capital to assets | 9.4375% | 4,500 |
| Core capital (leverage) ratio | 8.4186% | 5,305 |
| Tier 1 risk-based capital ratio | 12.9102% | 4,073 |
| Total risk-based capital ratio | 14.0949% | 4,017 |
| Memoranda: | ||
| Average total assets | $402,721,500 | 1,703 |
| Average earning assets | $356,635,750 | 1,784 |
| Average equity | $37,503,000 | 1,961 |
| Average total loans | $272,077,250 | 1,708 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1657% | 2,605 |
| Cost of funding earning assets | 0.5102% | 2,086 |
| Net interest margin | 3.6555% | 2,815 |
| Noninterest income to average assets | 1.3389% | 592 |
| Noninterest expense to average assets | 3.5835% | 886 |
| Loan and lease loss provision to assets | -0.1199% | 5,660 |
| Net operating income to assets | 0.8604% | 3,112 |
| Return on assets (ROA) | 0.8604% | 3,164 |
| Pretax return on assets | 1.1037% | 3,158 |
| Return on Equity (ROE) | 9.2815% | 2,375 |
| Retained earnings to average equity (ytd only) | 4.9895% | 2,718 |
| Net charge-offs to loans | -0.0706% | 5,302 |
| Credit loss provision to net charge-offs | 253.6842% | 1,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1444% | 1,447 |
| Assets per employee ($millions) | 3.2766% | 5,005 |
| Cash dividends to net income (ytd only)* | 46.2428% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 3,321 |
| Loan loss allowance to noncurrent loans | 336.8879% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 3,749 |
| Noncurrent loans to loans | 0.3411% | 3,822 |
| Net loans and leases to total assets | 65.5409% | 3,177 |
| Net loans and leases to deposits | 87.1247% | 2,091 |
| Net loans and leases to core deposits | 91.1293% | 2,412 |
| Total domestic deposits to total assets | 75.2265% | 5,176 |
| Equity capital to assets | 9.2898% | 4,631 |
| Core capital (leverage) ratio | 8.4195% | 5,271 |
| Tier 1 risk-based capital ratio | 13.1946% | 3,884 |
| Total risk-based capital ratio | 14.4188% | 3,804 |
| Memoranda: | ||
| Average total assets | $402,120,000 | 1,712 |
| Average earning assets | $355,134,330 | 1,787 |
| Average equity | $37,278,330 | 1,969 |
| Average total loans | $268,971,000 | 1,722 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1870% | 2,315 |
| Cost of funding earning assets | 0.5012% | 2,078 |
| Net interest margin | 3.6858% | 2,536 |
| Noninterest income to average assets | 1.0439% | 922 |
| Noninterest expense to average assets | 3.5467% | 979 |
| Loan and lease loss provision to assets | -0.1350% | 5,768 |
| Net operating income to assets | 0.7229% | 3,606 |
| Return on assets (ROA) | 0.7229% | 3,653 |
| Pretax return on assets | 0.8969% | 3,785 |
| Return on Equity (ROE) | 7.8066% | 3,018 |
| Retained earnings to average equity (ytd only) | 2.4078% | 4,185 |
| Net charge-offs to loans | -0.1057% | 5,461 |
| Credit loss provision to net charge-offs | 190.1408% | 1,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9680% | 1,160 |
| Assets per employee ($millions) | 3.2918% | 5,050 |
| Cash dividends to net income (ytd only)* | 69.1563% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1933% | 3,177 |
| Loan loss allowance to noncurrent loans | 295.9032% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.4181% | 3,509 |
| Noncurrent loans to loans | 0.4033% | 3,650 |
| Net loans and leases to total assets | 65.5247% | 3,044 |
| Net loans and leases to deposits | 84.4533% | 2,226 |
| Net loans and leases to core deposits | 87.1663% | 2,623 |
| Total domestic deposits to total assets | 77.5868% | 5,025 |
| Equity capital to assets | 9.2656% | 4,546 |
| Core capital (leverage) ratio | 8.2189% | 5,433 |
| Tier 1 risk-based capital ratio | 13.0700% | 4,040 |
| Total risk-based capital ratio | 14.3207% | 3,943 |
| Memoranda: | ||
| Average total assets | $400,033,500 | 1,733 |
| Average earning assets | $354,337,500 | 1,803 |
| Average equity | $37,045,500 | 1,982 |
| Average total loans | $268,764,500 | 1,732 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1680% | 2,596 |
| Cost of funding earning assets | 0.5033% | 2,064 |
| Net interest margin | 3.6647% | 2,842 |
| Noninterest income to average assets | 1.3027% | 671 |
| Noninterest expense to average assets | 3.5132% | 1,142 |
| Loan and lease loss provision to assets | 0.0923% | 2,515 |
| Net operating income to assets | 0.7384% | 3,598 |
| Return on assets (ROA) | 0.7386% | 3,710 |
| Pretax return on assets | 0.9342% | 3,713 |
| Return on Equity (ROE) | 7.9697% | 2,950 |
| Retained earnings to average equity (ytd only) | 3.8817% | 3,160 |
| Net charge-offs to loans | 0.1235% | 2,027 |
| Credit loss provision to net charge-offs | 108.8415% | 2,412 |
| Earnings coverage of net charge-offs (x) | 12.1067% | 2,483 |
| Efficiency ratio | 77.0409% | 1,834 |
| Assets per employee ($millions) | 3.2931% | 5,055 |
| Cash dividends to net income (ytd only)* | 51.2946% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1954% | 3,150 |
| Loan loss allowance to noncurrent loans | 271.7519% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4718% | 3,368 |
| Noncurrent loans to loans | 0.4399% | 3,570 |
| Net loans and leases to total assets | 67.2482% | 2,893 |
| Net loans and leases to deposits | 89.9629% | 1,686 |
| Net loans and leases to core deposits | 94.0858% | 2,097 |
| Total domestic deposits to total assets | 74.7510% | 5,375 |
| Equity capital to assets | 9.2347% | 4,533 |
| Core capital (leverage) ratio | 8.3190% | 5,426 |
| Tier 1 risk-based capital ratio | 12.8337% | 4,179 |
| Total risk-based capital ratio | 14.0845% | 4,076 |
| Memoranda: | ||
| Average total assets | $386,968,800 | 1,735 |
| Average earning assets | $341,772,800 | 1,816 |
| Average equity | $35,860,800 | 2,032 |
| Average total loans | $265,560,400 | 1,699 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1796% | 2,577 |
| Cost of funding earning assets | 0.5007% | 2,098 |
| Net interest margin | 3.6789% | 2,796 |
| Noninterest income to average assets | 1.3274% | 666 |
| Noninterest expense to average assets | 3.5365% | 1,085 |
| Loan and lease loss provision to assets | 0.0986% | 2,252 |
| Net operating income to assets | 0.7342% | 3,674 |
| Return on assets (ROA) | 0.7345% | 3,806 |
| Pretax return on assets | 0.9341% | 3,863 |
| Return on Equity (ROE) | 7.9189% | 3,052 |
| Retained earnings to average equity (ytd only) | 3.9295% | 3,504 |
| Net charge-offs to loans | 0.1121% | 1,824 |
| Credit loss provision to net charge-offs | 127.9279% | 1,993 |
| Earnings coverage of net charge-offs (x) | 13.3965% | 2,315 |
| Efficiency ratio | 77.0476% | 1,827 |
| Assets per employee ($millions) | 3.2853% | 5,064 |
| Cash dividends to net income (ytd only)* | 50.3782% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 3,096 |
| Loan loss allowance to noncurrent loans | 107.9433% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 0.8987% | 2,313 |
| Noncurrent loans to loans | 1.1342% | 1,985 |
| Net loans and leases to total assets | 64.8619% | 3,288 |
| Net loans and leases to deposits | 83.4506% | 2,549 |
| Net loans and leases to core deposits | 86.5135% | 2,904 |
| Total domestic deposits to total assets | 77.7249% | 4,959 |
| Equity capital to assets | 8.8537% | 5,281 |
| Core capital (leverage) ratio | 8.3071% | 5,495 |
| Tier 1 risk-based capital ratio | 12.8585% | 4,248 |
| Total risk-based capital ratio | 14.1095% | 4,157 |
| Memoranda: | ||
| Average total assets | $384,095,000 | 1,744 |
| Average earning assets | $338,429,250 | 1,839 |
| Average equity | $35,626,750 | 2,056 |
| Average total loans | $264,150,000 | 1,714 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1591% | 2,644 |
| Cost of funding earning assets | 0.5001% | 2,101 |
| Net interest margin | 3.6591% | 2,862 |
| Noninterest income to average assets | 1.3376% | 637 |
| Noninterest expense to average assets | 3.5293% | 1,115 |
| Loan and lease loss provision to assets | 0.0967% | 2,216 |
| Net operating income to assets | 0.7463% | 3,566 |
| Return on assets (ROA) | 0.7467% | 3,718 |
| Pretax return on assets | 0.9513% | 3,770 |
| Return on Equity (ROE) | 7.9200% | 3,021 |
| Retained earnings to average equity (ytd only) | 4.1714% | 3,250 |
| Net charge-offs to loans | 0.0791% | 2,064 |
| Credit loss provision to net charge-offs | 175.0000% | 1,431 |
| Earnings coverage of net charge-offs (x) | 18.9519% | 1,798 |
| Efficiency ratio | 76.7418% | 1,973 |
| Assets per employee ($millions) | 3.2723% | 5,112 |
| Cash dividends to net income (ytd only)* | 47.3310% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 3,197 |
| Loan loss allowance to noncurrent loans | 99.3659% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 1.1861% | 1,758 |
| Noncurrent loans to loans | 1.2362% | 1,858 |
| Net loans and leases to total assets | 69.1188% | 2,614 |
| Net loans and leases to deposits | 88.4238% | 1,928 |
| Net loans and leases to core deposits | 93.7688% | 2,189 |
| Total domestic deposits to total assets | 78.1677% | 4,971 |
| Equity capital to assets | 9.3558% | 4,914 |
| Core capital (leverage) ratio | 8.5003% | 5,367 |
| Tier 1 risk-based capital ratio | 13.1860% | 4,082 |
| Total risk-based capital ratio | 14.4375% | 4,000 |
| Memoranda: | ||
| Average total assets | $376,334,000 | 1,781 |
| Average earning assets | $333,146,330 | 1,863 |
| Average equity | $35,479,670 | 2,061 |
| Average total loans | $263,030,670 | 1,712 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1662% | 2,602 |
| Cost of funding earning assets | 0.5062% | 2,058 |
| Net interest margin | 3.6601% | 2,850 |
| Noninterest income to average assets | 1.2909% | 659 |
| Noninterest expense to average assets | 3.5532% | 1,097 |
| Loan and lease loss provision to assets | 0.1008% | 2,011 |
| Net operating income to assets | 0.6832% | 3,800 |
| Return on assets (ROA) | 0.6840% | 3,909 |
| Pretax return on assets | 0.8631% | 3,989 |
| Return on Equity (ROE) | 7.2274% | 3,331 |
| Retained earnings to average equity (ytd only) | 3.4891% | 3,752 |
| Net charge-offs to loans | 0.1059% | 1,494 |
| Credit loss provision to net charge-offs | 136.2319% | 1,335 |
| Earnings coverage of net charge-offs (x) | 13.0145% | 1,756 |
| Efficiency ratio | 78.2764% | 1,855 |
| Assets per employee ($millions) | 3.2281% | 5,231 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 3,289 |
| Loan loss allowance to noncurrent loans | 89.2257% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 1.2675% | 1,708 |
| Noncurrent loans to loans | 1.3822% | 1,724 |
| Net loans and leases to total assets | 68.6608% | 2,551 |
| Net loans and leases to deposits | 86.5384% | 2,014 |
| Net loans and leases to core deposits | 90.5953% | 2,315 |
| Total domestic deposits to total assets | 79.3415% | 4,887 |
| Equity capital to assets | 9.3623% | 4,822 |
| Core capital (leverage) ratio | 8.5953% | 5,296 |
| Tier 1 risk-based capital ratio | 13.3290% | 4,080 |
| Total risk-based capital ratio | 14.5804% | 4,002 |
| Memoranda: | ||
| Average total assets | $373,074,000 | 1,802 |
| Average earning assets | $328,737,500 | 1,887 |
| Average equity | $35,310,000 | 2,066 |
| Average total loans | $260,588,500 | 1,726 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2840% | 2,266 |
| Cost of funding earning assets | 0.5975% | 1,372 |
| Net interest margin | 3.6865% | 2,797 |
| Noninterest income to average assets | 1.7149% | 447 |
| Noninterest expense to average assets | 4.0192% | 655 |
| Loan and lease loss provision to assets | -0.0634% | 5,777 |
| Net operating income to assets | 0.7718% | 3,456 |
| Return on assets (ROA) | 0.7713% | 3,544 |
| Pretax return on assets | 0.9308% | 3,723 |
| Return on Equity (ROE) | 7.7883% | 3,082 |
| Retained earnings to average equity (ytd only) | 5.2156% | 2,266 |
| Net charge-offs to loans | 0.0020% | 4,410 |
| Credit loss provision to net charge-offs | -4,380.0000% | 5,717 |
| Earnings coverage of net charge-offs (x) | 599.6000% | 108 |
| Efficiency ratio | 81.9787% | 1,414 |
| Assets per employee ($millions) | 3.0705% | 5,460 |
| Cash dividends to net income (ytd only)* | 33.0330% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 3,226 |
| Loan loss allowance to noncurrent loans | 87.7150% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 1.2186% | 1,776 |
| Noncurrent loans to loans | 1.4164% | 1,645 |
| Net loans and leases to total assets | 69.3161% | 2,484 |
| Net loans and leases to deposits | 89.9108% | 1,624 |
| Net loans and leases to core deposits | 93.4440% | 2,094 |
| Total domestic deposits to total assets | 77.0944% | 5,300 |
| Equity capital to assets | 9.5695% | 4,475 |
| Core capital (leverage) ratio | 8.6558% | 5,269 |
| Tier 1 risk-based capital ratio | 13.5435% | 3,984 |
| Total risk-based capital ratio | 14.7955% | 3,913 |
| Memoranda: | ||
| Average total assets | $345,388,200 | 1,889 |
| Average earning assets | $297,220,000 | 2,035 |
| Average equity | $34,205,200 | 2,079 |
| Average total loans | $250,699,600 | 1,722 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2769% | 2,313 |
| Cost of funding earning assets | 0.6252% | 1,245 |
| Net interest margin | 3.6518% | 2,953 |
| Noninterest income to average assets | 1.8016% | 414 |
| Noninterest expense to average assets | 4.1025% | 592 |
| Loan and lease loss provision to assets | -0.0016% | 5,782 |
| Net operating income to assets | 0.7103% | 3,860 |
| Return on assets (ROA) | 0.7086% | 3,975 |
| Pretax return on assets | 0.8221% | 4,267 |
| Return on Equity (ROE) | 7.0905% | 3,572 |
| Retained earnings to average equity (ytd only) | 4.4193% | 3,324 |
| Net charge-offs to loans | 0.0734% | 2,508 |
| Credit loss provision to net charge-offs | -2.9197% | 4,813 |
| Earnings coverage of net charge-offs (x) | 15.2921% | 2,192 |
| Efficiency ratio | 83.0769% | 1,258 |
| Assets per employee ($millions) | 2.8978% | 5,653 |
| Cash dividends to net income (ytd only)* | 37.6729% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 3,230 |
| Loan loss allowance to noncurrent loans | 97.2271% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 1.2219% | 1,933 |
| Noncurrent loans to loans | 1.3124% | 1,944 |
| Net loans and leases to total assets | 70.4023% | 2,330 |
| Net loans and leases to deposits | 91.7327% | 1,441 |
| Net loans and leases to core deposits | 93.5317% | 2,124 |
| Total domestic deposits to total assets | 76.7472% | 5,388 |
| Equity capital to assets | 9.5263% | 4,723 |
| Core capital (leverage) ratio | 8.4896% | 5,556 |
| Tier 1 risk-based capital ratio | 13.0326% | 4,413 |
| Total risk-based capital ratio | 14.2857% | 4,328 |
| Memoranda: | ||
| Average total assets | $339,619,250 | 1,942 |
| Average earning assets | $290,481,500 | 2,090 |
| Average equity | $33,941,500 | 2,106 |
| Average total loans | $248,720,000 | 1,748 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2606% | 2,321 |
| Cost of funding earning assets | 0.6394% | 1,171 |
| Net interest margin | 3.6212% | 3,011 |
| Noninterest income to average assets | 1.9471% | 385 |
| Noninterest expense to average assets | 4.2309% | 530 |
| Loan and lease loss provision to assets | 0.0169% | 3,790 |
| Net operating income to assets | 0.7310% | 3,730 |
| Return on assets (ROA) | 0.7281% | 3,870 |
| Pretax return on assets | 0.7763% | 4,401 |
| Return on Equity (ROE) | 7.1638% | 3,516 |
| Retained earnings to average equity (ytd only) | 4.3196% | 3,276 |
| Net charge-offs to loans | 0.1002% | 2,009 |
| Credit loss provision to net charge-offs | 22.7642% | 2,988 |
| Earnings coverage of net charge-offs (x) | 10.7480% | 2,342 |
| Efficiency ratio | 84.0302% | 1,263 |
| Assets per employee ($millions) | 2.9214% | 5,692 |
| Cash dividends to net income (ytd only)* | 39.7022% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 3,185 |
| Loan loss allowance to noncurrent loans | 91.4864% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 1.4131% | 1,776 |
| Noncurrent loans to loans | 1.4325% | 1,865 |
| Net loans and leases to total assets | 71.1976% | 2,129 |
| Net loans and leases to deposits | 91.9918% | 1,380 |
| Net loans and leases to core deposits | 93.8224% | 1,975 |
| Total domestic deposits to total assets | 77.3956% | 5,390 |
| Equity capital to assets | 9.6471% | 4,472 |
| Core capital (leverage) ratio | 8.3985% | 5,637 |
| Tier 1 risk-based capital ratio | 13.0791% | 4,473 |
| Total risk-based capital ratio | 14.3321% | 4,389 |
| Memoranda: | ||
| Average total assets | $332,083,330 | 1,999 |
| Average earning assets | $282,446,330 | 2,150 |
| Average equity | $33,753,000 | 2,122 |
| Average total loans | $245,522,670 | 1,777 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2032% | 2,448 |
| Cost of funding earning assets | 0.6460% | 1,144 |
| Net interest margin | 3.5573% | 3,191 |
| Noninterest income to average assets | 1.7002% | 445 |
| Noninterest expense to average assets | 4.1060% | 616 |
| Loan and lease loss provision to assets | -0.1058% | 6,211 |
| Net operating income to assets | 0.5563% | 4,457 |
| Return on assets (ROA) | 0.5563% | 4,568 |
| Pretax return on assets | 0.7293% | 4,503 |
| Return on Equity (ROE) | 5.3248% | 4,365 |
| Retained earnings to average equity (ytd only) | 2.5849% | 4,388 |
| Net charge-offs to loans | -0.0266% | 5,180 |
| Credit loss provision to net charge-offs | 531.2500% | 516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8158% | 1,108 |
| Assets per employee ($millions) | 2.8730% | 5,809 |
| Cash dividends to net income (ytd only)* | 51.4541% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4032% | 2,901 |
| Loan loss allowance to noncurrent loans | 96.4767% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 1.4870% | 1,768 |
| Noncurrent loans to loans | 1.4544% | 1,954 |
| Net loans and leases to total assets | 71.6311% | 1,873 |
| Net loans and leases to deposits | 94.0639% | 972 |
| Net loans and leases to core deposits | 95.9136% | 1,621 |
| Total domestic deposits to total assets | 76.1515% | 5,723 |
| Equity capital to assets | 10.1983% | 3,885 |
| Core capital (leverage) ratio | 9.4446% | 4,359 |
| Tier 1 risk-based capital ratio | 14.5903% | 3,672 |
| Total risk-based capital ratio | 15.8646% | 3,576 |
| Memoranda: | ||
| Average total assets | $321,383,000 | 2,080 |
| Average earning assets | $273,693,500 | 2,222 |
| Average equity | $33,579,000 | 2,143 |
| Average total loans | $240,777,000 | 1,805 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4249% | 2,141 |
| Cost of funding earning assets | 0.7355% | 921 |
| Net interest margin | 3.6894% | 3,045 |
| Noninterest income to average assets | 1.6189% | 479 |
| Noninterest expense to average assets | 3.9159% | 839 |
| Loan and lease loss provision to assets | 0.0332% | 3,931 |
| Net operating income to assets | 0.6541% | 4,117 |
| Return on assets (ROA) | 0.6541% | 4,224 |
| Pretax return on assets | 0.8246% | 4,170 |
| Return on Equity (ROE) | 6.2333% | 4,032 |
| Retained earnings to average equity (ytd only) | 4.2255% | 3,182 |
| Net charge-offs to loans | 0.3379% | 1,301 |
| Credit loss provision to net charge-offs | 12.7921% | 4,067 |
| Earnings coverage of net charge-offs (x) | 3.3050% | 3,925 |
| Efficiency ratio | 82.0304% | 1,658 |
| Assets per employee ($millions) | 2.7891% | 5,941 |
| Cash dividends to net income (ytd only)* | 32.2108% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 2,834 |
| Loan loss allowance to noncurrent loans | 85.4762% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 1.8020% | 1,449 |
| Noncurrent loans to loans | 1.6648% | 1,753 |
| Net loans and leases to total assets | 76.2181% | 1,228 |
| Net loans and leases to deposits | 101.6180% | 534 |
| Net loans and leases to core deposits | 103.6256% | 1,147 |
| Total domestic deposits to total assets | 75.0045% | 5,861 |
| Equity capital to assets | 10.7127% | 3,220 |
| Core capital (leverage) ratio | 9.8193% | 3,814 |
| Tier 1 risk-based capital ratio | 14.8055% | 3,597 |
| Total risk-based capital ratio | 16.0607% | 3,527 |
| Memoranda: | ||
| Average total assets | $313,237,600 | 2,072 |
| Average earning assets | $267,847,000 | 2,212 |
| Average equity | $32,871,600 | 2,118 |
| Average total loans | $240,617,200 | 1,756 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4460% | 2,059 |
| Cost of funding earning assets | 0.7505% | 885 |
| Net interest margin | 3.6955% | 3,040 |
| Noninterest income to average assets | 1.5925% | 504 |
| Noninterest expense to average assets | 3.8623% | 895 |
| Loan and lease loss provision to assets | 0.0476% | 3,424 |
| Net operating income to assets | 0.6568% | 4,184 |
| Return on assets (ROA) | 0.6568% | 4,284 |
| Pretax return on assets | 0.8286% | 4,259 |
| Return on Equity (ROE) | 6.2910% | 4,083 |
| Retained earnings to average equity (ytd only) | 4.2537% | 3,627 |
| Net charge-offs to loans | 0.4066% | 973 |
| Credit loss provision to net charge-offs | 15.2797% | 3,632 |
| Earnings coverage of net charge-offs (x) | 2.8104% | 3,817 |
| Efficiency ratio | 81.5081% | 1,675 |
| Assets per employee ($millions) | 2.8155% | 5,945 |
| Cash dividends to net income (ytd only)* | 32.3833% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4632% | 2,889 |
| Loan loss allowance to noncurrent loans | 73.4987% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 1.9880% | 1,451 |
| Noncurrent loans to loans | 1.9908% | 1,592 |
| Net loans and leases to total assets | 74.6134% | 1,425 |
| Net loans and leases to deposits | 98.7245% | 689 |
| Net loans and leases to core deposits | 101.0467% | 1,289 |
| Total domestic deposits to total assets | 75.5774% | 5,866 |
| Equity capital to assets | 10.4578% | 3,616 |
| Core capital (leverage) ratio | 9.7397% | 4,011 |
| Tier 1 risk-based capital ratio | 14.5828% | 3,829 |
| Total risk-based capital ratio | 15.8387% | 3,766 |
| Memoranda: | ||
| Average total assets | $313,453,000 | 2,087 |
| Average earning assets | $266,842,000 | 2,231 |
| Average equity | $32,723,500 | 2,132 |
| Average total loans | $240,390,500 | 1,764 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4486% | 2,000 |
| Cost of funding earning assets | 0.7528% | 909 |
| Net interest margin | 3.6958% | 2,979 |
| Noninterest income to average assets | 1.4711% | 562 |
| Noninterest expense to average assets | 3.7674% | 1,017 |
| Loan and lease loss provision to assets | -0.1250% | 6,403 |
| Net operating income to assets | 0.7554% | 3,542 |
| Return on assets (ROA) | 0.7554% | 3,643 |
| Pretax return on assets | 0.9863% | 3,529 |
| Return on Equity (ROE) | 7.2402% | 3,492 |
| Retained earnings to average equity (ytd only) | 5.0276% | 2,942 |
| Net charge-offs to loans | 0.2290% | 1,669 |
| Credit loss provision to net charge-offs | -70.9091% | 5,208 |
| Earnings coverage of net charge-offs (x) | 4.8836% | 3,027 |
| Efficiency ratio | 81.3937% | 1,820 |
| Assets per employee ($millions) | 2.7660% | 6,070 |
| Cash dividends to net income (ytd only)* | 30.5603% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5181% | 2,815 |
| Loan loss allowance to noncurrent loans | 57.8989% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 2.3040% | 1,293 |
| Noncurrent loans to loans | 2.6219% | 1,163 |
| Net loans and leases to total assets | 77.6726% | 948 |
| Net loans and leases to deposits | 103.4769% | 383 |
| Net loans and leases to core deposits | 107.0715% | 824 |
| Total domestic deposits to total assets | 75.0627% | 6,012 |
| Equity capital to assets | 10.7541% | 3,142 |
| Core capital (leverage) ratio | 9.5190% | 4,305 |
| Tier 1 risk-based capital ratio | 14.6844% | 3,817 |
| Total risk-based capital ratio | 15.9416% | 3,765 |
| Memoranda: | ||
| Average total assets | $311,885,330 | 2,099 |
| Average earning assets | $266,463,670 | 2,233 |
| Average equity | $32,540,670 | 2,129 |
| Average total loans | $240,216,670 | 1,758 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4098% | 2,104 |
| Cost of funding earning assets | 0.7603% | 926 |
| Net interest margin | 3.6496% | 3,062 |
| Noninterest income to average assets | 1.3604% | 626 |
| Noninterest expense to average assets | 3.7402% | 1,072 |
| Loan and lease loss provision to assets | -0.2723% | 6,607 |
| Net operating income to assets | 0.7521% | 3,409 |
| Return on assets (ROA) | 0.7521% | 3,492 |
| Pretax return on assets | 0.9837% | 3,393 |
| Return on Equity (ROE) | 7.3184% | 3,304 |
| Retained earnings to average equity (ytd only) | 4.4703% | 3,437 |
| Net charge-offs to loans | 0.2023% | 1,528 |
| Credit loss provision to net charge-offs | -176.8595% | 4,947 |
| Earnings coverage of net charge-offs (x) | 4.6198% | 2,497 |
| Efficiency ratio | 84.0194% | 1,669 |
| Assets per employee ($millions) | 2.6114% | 6,279 |
| Cash dividends to net income (ytd only)* | 38.9171% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5961% | 2,725 |
| Loan loss allowance to noncurrent loans | 67.2253% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 1.9527% | 1,757 |
| Noncurrent loans to loans | 2.3743% | 1,481 |
| Net loans and leases to total assets | 72.5594% | 1,485 |
| Net loans and leases to deposits | 94.7339% | 732 |
| Net loans and leases to core deposits | 98.4270% | 1,209 |
| Total domestic deposits to total assets | 76.5929% | 6,012 |
| Equity capital to assets | 10.0434% | 3,795 |
| Core capital (leverage) ratio | 9.3875% | 4,440 |
| Tier 1 risk-based capital ratio | 14.5407% | 3,984 |
| Total risk-based capital ratio | 15.7987% | 3,928 |
| Memoranda: | ||
| Average total assets | $314,315,000 | 2,087 |
| Average earning assets | $266,223,500 | 2,242 |
| Average equity | $32,302,000 | 2,137 |
| Average total loans | $239,249,500 | 1,766 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4743% | 2,305 |
| Cost of funding earning assets | 0.9068% | 710 |
| Net interest margin | 3.5676% | 3,609 |
| Noninterest income to average assets | 1.6172% | 550 |
| Noninterest expense to average assets | 4.1263% | 755 |
| Loan and lease loss provision to assets | -0.1543% | 6,553 |
| Net operating income to assets | 0.5697% | 4,413 |
| Return on assets (ROA) | 0.5697% | 4,522 |
| Pretax return on assets | 0.6776% | 4,616 |
| Return on Equity (ROE) | 5.7333% | 4,254 |
| Retained earnings to average equity (ytd only) | 4.2722% | 3,137 |
| Net charge-offs to loans | 0.2036% | 2,843 |
| Credit loss provision to net charge-offs | -97.2167% | 5,871 |
| Earnings coverage of net charge-offs (x) | 3.2962% | 3,906 |
| Efficiency ratio | 88.7456% | 1,138 |
| Assets per employee ($millions) | 2.5832% | 6,338 |
| Cash dividends to net income (ytd only)* | 25.4848% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7295% | 2,306 |
| Loan loss allowance to noncurrent loans | 68.8476% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 2.1823% | 1,637 |
| Noncurrent loans to loans | 2.5120% | 1,500 |
| Net loans and leases to total assets | 77.2875% | 916 |
| Net loans and leases to deposits | 102.8563% | 363 |
| Net loans and leases to core deposits | 107.0856% | 736 |
| Total domestic deposits to total assets | 75.1412% | 6,178 |
| Equity capital to assets | 10.5251% | 3,122 |
| Core capital (leverage) ratio | 9.4366% | 4,360 |
| Tier 1 risk-based capital ratio | 14.2356% | 4,127 |
| Total risk-based capital ratio | 15.4955% | 4,062 |
| Memoranda: | ||
| Average total assets | $316,847,400 | 2,033 |
| Average earning assets | $269,313,200 | 2,183 |
| Average equity | $31,482,800 | 2,154 |
| Average total loans | $247,086,600 | 1,676 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4701% | 2,344 |
| Cost of funding earning assets | 0.9320% | 699 |
| Net interest margin | 3.5381% | 3,723 |
| Noninterest income to average assets | 1.5382% | 619 |
| Noninterest expense to average assets | 3.8500% | 1,026 |
| Loan and lease loss provision to assets | -0.0975% | 6,629 |
| Net operating income to assets | 0.6436% | 4,159 |
| Return on assets (ROA) | 0.6436% | 4,276 |
| Pretax return on assets | 0.7941% | 4,316 |
| Return on Equity (ROE) | 6.5701% | 3,890 |
| Retained earnings to average equity (ytd only) | 5.1446% | 2,973 |
| Net charge-offs to loans | 0.1928% | 2,685 |
| Credit loss provision to net charge-offs | -65.0000% | 5,733 |
| Earnings coverage of net charge-offs (x) | 4.6416% | 3,387 |
| Efficiency ratio | 84.6796% | 1,516 |
| Assets per employee ($millions) | 2.6092% | 6,375 |
| Cash dividends to net income (ytd only)* | 21.6971% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8875% | 2,039 |
| Loan loss allowance to noncurrent loans | 72.1499% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 2.0834% | 1,926 |
| Noncurrent loans to loans | 2.6161% | 1,623 |
| Net loans and leases to total assets | 74.2004% | 1,262 |
| Net loans and leases to deposits | 100.3889% | 453 |
| Net loans and leases to core deposits | 104.3724% | 860 |
| Total domestic deposits to total assets | 73.9130% | 6,377 |
| Equity capital to assets | 10.0051% | 3,892 |
| Core capital (leverage) ratio | 9.2172% | 4,810 |
| Tier 1 risk-based capital ratio | 13.9862% | 4,442 |
| Total risk-based capital ratio | 15.2482% | 4,386 |
| Memoranda: | ||
| Average total assets | $319,855,750 | 2,021 |
| Average earning assets | $271,964,000 | 2,171 |
| Average equity | $31,333,000 | 2,187 |
| Average total loans | $248,926,000 | 1,668 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4668% | 2,326 |
| Cost of funding earning assets | 0.9324% | 769 |
| Net interest margin | 3.5344% | 3,635 |
| Noninterest income to average assets | 1.5158% | 678 |
| Noninterest expense to average assets | 3.8799% | 1,004 |
| Loan and lease loss provision to assets | -0.1517% | 6,752 |
| Net operating income to assets | 0.6455% | 4,078 |
| Return on assets (ROA) | 0.6455% | 4,234 |
| Pretax return on assets | 0.8047% | 4,301 |
| Return on Equity (ROE) | 6.6365% | 3,803 |
| Retained earnings to average equity (ytd only) | 5.0319% | 3,037 |
| Net charge-offs to loans | 0.1200% | 3,162 |
| Credit loss provision to net charge-offs | -160.9272% | 5,685 |
| Earnings coverage of net charge-offs (x) | 6.9272% | 2,628 |
| Efficiency ratio | 85.5943% | 1,456 |
| Assets per employee ($millions) | 2.5481% | 6,453 |
| Cash dividends to net income (ytd only)* | 24.1779% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9385% | 1,995 |
| Loan loss allowance to noncurrent loans | 78.1291% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 2.1262% | 2,026 |
| Noncurrent loans to loans | 2.4812% | 1,875 |
| Net loans and leases to total assets | 75.9520% | 992 |
| Net loans and leases to deposits | 103.0068% | 297 |
| Net loans and leases to core deposits | 108.1927% | 643 |
| Total domestic deposits to total assets | 73.7350% | 6,461 |
| Equity capital to assets | 9.9475% | 3,976 |
| Core capital (leverage) ratio | 8.8527% | 5,219 |
| Tier 1 risk-based capital ratio | 13.3076% | 4,912 |
| Total risk-based capital ratio | 14.5700% | 4,847 |
| Memoranda: | ||
| Average total assets | $320,365,330 | 2,019 |
| Average earning assets | $273,485,330 | 2,166 |
| Average equity | $31,161,000 | 2,205 |
| Average total loans | $251,653,330 | 1,650 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5002% | 2,169 |
| Cost of funding earning assets | 0.9310% | 845 |
| Net interest margin | 3.5692% | 3,386 |
| Noninterest income to average assets | 1.5600% | 635 |
| Noninterest expense to average assets | 3.8690% | 1,035 |
| Loan and lease loss provision to assets | -0.1091% | 6,843 |
| Net operating income to assets | 0.6783% | 3,790 |
| Return on assets (ROA) | 0.6783% | 3,946 |
| Pretax return on assets | 0.8569% | 3,927 |
| Return on Equity (ROE) | 7.0520% | 3,463 |
| Retained earnings to average equity (ytd only) | 5.4405% | 2,985 |
| Net charge-offs to loans | 0.1207% | 2,698 |
| Credit loss provision to net charge-offs | -114.2857% | 5,162 |
| Earnings coverage of net charge-offs (x) | 7.8312% | 2,018 |
| Efficiency ratio | 83.8034% | 1,793 |
| Assets per employee ($millions) | 2.7353% | 6,362 |
| Cash dividends to net income (ytd only)* | 22.8519% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9554% | 2,159 |
| Loan loss allowance to noncurrent loans | 77.5094% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 2.3700% | 1,965 |
| Noncurrent loans to loans | 2.5228% | 2,043 |
| Net loans and leases to total assets | 75.9659% | 845 |
| Net loans and leases to deposits | 101.3437% | 301 |
| Net loans and leases to core deposits | 106.8000% | 614 |
| Total domestic deposits to total assets | 74.9587% | 6,462 |
| Equity capital to assets | 9.4960% | 4,854 |
| Core capital (leverage) ratio | 8.7596% | 5,248 |
| Tier 1 risk-based capital ratio | 12.5834% | 5,529 |
| Total risk-based capital ratio | 13.8459% | 5,466 |
| Memoranda: | ||
| Average total assets | $322,568,000 | 2,035 |
| Average earning assets | $276,252,500 | 2,178 |
| Average equity | $31,026,500 | 2,238 |
| Average total loans | $255,119,000 | 1,636 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6768% | 2,685 |
| Cost of funding earning assets | 1.0474% | 1,134 |
| Net interest margin | 3.6295% | 3,968 |
| Noninterest income to average assets | 1.4344% | 762 |
| Noninterest expense to average assets | 3.5604% | 1,700 |
| Loan and lease loss provision to assets | 0.1717% | 3,473 |
| Net operating income to assets | 0.6466% | 4,008 |
| Return on assets (ROA) | 0.6466% | 4,268 |
| Pretax return on assets | 0.8359% | 4,161 |
| Return on Equity (ROE) | 6.8408% | 3,737 |
| Retained earnings to average equity (ytd only) | 6.0878% | 2,024 |
| Net charge-offs to loans | 0.4970% | 2,249 |
| Credit loss provision to net charge-offs | 42.5117% | 4,883 |
| Earnings coverage of net charge-offs (x) | 2.4953% | 4,168 |
| Efficiency ratio | 77.9425% | 2,454 |
| Assets per employee ($millions) | 2.6630% | 6,460 |
| Cash dividends to net income (ytd only)* | 11.0083% | 4,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0077% | 1,999 |
| Loan loss allowance to noncurrent loans | 69.7719% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 2.7188% | 1,777 |
| Noncurrent loans to loans | 2.8775% | 1,820 |
| Net loans and leases to total assets | 79.1352% | 548 |
| Net loans and leases to deposits | 106.7421% | 211 |
| Net loans and leases to core deposits | 114.4842% | 399 |
| Total domestic deposits to total assets | 74.1368% | 6,515 |
| Equity capital to assets | 9.7456% | 4,537 |
| Core capital (leverage) ratio | 8.8158% | 5,157 |
| Tier 1 risk-based capital ratio | 12.4820% | 5,494 |
| Total risk-based capital ratio | 13.7454% | 5,436 |
| Memoranda: | ||
| Average total assets | $317,491,400 | 2,019 |
| Average earning assets | $274,116,400 | 2,135 |
| Average equity | $30,011,000 | 2,248 |
| Average total loans | $257,938,000 | 1,605 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6891% | 2,844 |
| Cost of funding earning assets | 1.0586% | 1,241 |
| Net interest margin | 3.6305% | 4,097 |
| Noninterest income to average assets | 1.3806% | 786 |
| Noninterest expense to average assets | 3.5436% | 1,664 |
| Loan and lease loss provision to assets | 0.0227% | 5,511 |
| Net operating income to assets | 0.7010% | 3,912 |
| Return on assets (ROA) | 0.7010% | 4,154 |
| Pretax return on assets | 0.9482% | 3,925 |
| Return on Equity (ROE) | 7.4737% | 3,541 |
| Retained earnings to average equity (ytd only) | 6.8337% | 2,219 |
| Net charge-offs to loans | 0.2347% | 3,315 |
| Credit loss provision to net charge-offs | 11.8681% | 5,057 |
| Earnings coverage of net charge-offs (x) | 5.0835% | 3,120 |
| Efficiency ratio | 78.4937% | 2,317 |
| Assets per employee ($millions) | 2.6455% | 6,554 |
| Cash dividends to net income (ytd only)* | 8.5628% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1030% | 1,898 |
| Loan loss allowance to noncurrent loans | 80.1581% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 2.6334% | 2,005 |
| Noncurrent loans to loans | 2.6236% | 2,167 |
| Net loans and leases to total assets | 80.2686% | 485 |
| Net loans and leases to deposits | 107.8877% | 196 |
| Net loans and leases to core deposits | 114.4461% | 418 |
| Total domestic deposits to total assets | 74.4002% | 6,570 |
| Equity capital to assets | 9.6296% | 5,022 |
| Core capital (leverage) ratio | 8.6862% | 5,494 |
| Tier 1 risk-based capital ratio | 11.9971% | 5,933 |
| Total risk-based capital ratio | 13.2615% | 5,917 |
| Memoranda: | ||
| Average total assets | $317,638,750 | 2,046 |
| Average earning assets | $274,188,000 | 2,167 |
| Average equity | $29,792,750 | 2,282 |
| Average total loans | $258,442,750 | 1,614 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7072% | 2,882 |
| Cost of funding earning assets | 1.0752% | 1,332 |
| Net interest margin | 3.6320% | 4,126 |
| Noninterest income to average assets | 1.3541% | 783 |
| Noninterest expense to average assets | 3.5373% | 1,706 |
| Loan and lease loss provision to assets | -0.0057% | 7,021 |
| Net operating income to assets | 0.6981% | 3,876 |
| Return on assets (ROA) | 0.6981% | 4,143 |
| Pretax return on assets | 0.9443% | 3,902 |
| Return on Equity (ROE) | 7.5101% | 3,507 |
| Retained earnings to average equity (ytd only) | 6.7855% | 2,226 |
| Net charge-offs to loans | 0.3188% | 2,756 |
| Credit loss provision to net charge-offs | -2.1898% | 5,907 |
| Earnings coverage of net charge-offs (x) | 3.6277% | 3,320 |
| Efficiency ratio | 79.0295% | 2,320 |
| Assets per employee ($millions) | 2.7400% | 6,489 |
| Cash dividends to net income (ytd only)* | 9.6483% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1251% | 1,935 |
| Loan loss allowance to noncurrent loans | 73.5175% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 2.8080% | 1,961 |
| Noncurrent loans to loans | 2.8906% | 2,070 |
| Net loans and leases to total assets | 80.4342% | 460 |
| Net loans and leases to deposits | 108.3187% | 175 |
| Net loans and leases to core deposits | 115.7387% | 404 |
| Total domestic deposits to total assets | 74.2570% | 6,658 |
| Equity capital to assets | 9.6124% | 4,896 |
| Core capital (leverage) ratio | 8.5304% | 5,613 |
| Tier 1 risk-based capital ratio | 11.8788% | 6,007 |
| Total risk-based capital ratio | 13.1433% | 5,968 |
| Memoranda: | ||
| Average total assets | $317,698,670 | 2,040 |
| Average earning assets | $273,073,000 | 2,171 |
| Average equity | $29,533,670 | 2,289 |
| Average total loans | $257,825,670 | 1,612 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7206% | 2,969 |
| Cost of funding earning assets | 1.0945% | 1,430 |
| Net interest margin | 3.6261% | 4,147 |
| Noninterest income to average assets | 1.2748% | 870 |
| Noninterest expense to average assets | 3.4410% | 1,909 |
| Loan and lease loss provision to assets | 0.0025% | 5,234 |
| Net operating income to assets | 0.6917% | 3,924 |
| Return on assets (ROA) | 0.6917% | 4,146 |
| Pretax return on assets | 0.9377% | 3,907 |
| Return on Equity (ROE) | 7.5662% | 3,467 |
| Retained earnings to average equity (ytd only) | 7.1565% | 2,348 |
| Net charge-offs to loans | 0.1471% | 3,215 |
| Credit loss provision to net charge-offs | 2.1053% | 3,981 |
| Earnings coverage of net charge-offs (x) | 7.9263% | 2,020 |
| Efficiency ratio | 78.5409% | 2,419 |
| Assets per employee ($millions) | 2.8633% | 6,413 |
| Cash dividends to net income (ytd only)* | 5.4152% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2418% | 1,791 |
| Loan loss allowance to noncurrent loans | 53.7860% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 3.8420% | 1,454 |
| Noncurrent loans to loans | 4.1680% | 1,450 |
| Net loans and leases to total assets | 77.2428% | 669 |
| Net loans and leases to deposits | 102.6813% | 289 |
| Net loans and leases to core deposits | 109.6582% | 547 |
| Total domestic deposits to total assets | 75.2258% | 6,621 |
| Equity capital to assets | 9.0531% | 5,419 |
| Core capital (leverage) ratio | 8.1572% | 6,087 |
| Tier 1 risk-based capital ratio | 11.3458% | 6,364 |
| Total risk-based capital ratio | 12.6116% | 6,337 |
| Memoranda: | ||
| Average total assets | $320,369,500 | 2,028 |
| Average earning assets | $274,455,500 | 2,167 |
| Average equity | $29,288,000 | 2,307 |
| Average total loans | $258,390,000 | 1,619 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5832% | 4,744 |
| Cost of funding earning assets | 1.2707% | 1,617 |
| Net interest margin | 3.3125% | 5,770 |
| Noninterest income to average assets | 1.0901% | 1,116 |
| Noninterest expense to average assets | 3.4413% | 2,136 |
| Loan and lease loss provision to assets | 0.4559% | 2,317 |
| Net operating income to assets | 0.0415% | 5,977 |
| Return on assets (ROA) | 0.1630% | 5,833 |
| Pretax return on assets | 0.2030% | 5,778 |
| Return on Equity (ROE) | 2.0404% | 5,643 |
| Retained earnings to average equity (ytd only) | -1.2243% | 6,047 |
| Net charge-offs to loans | 0.9172% | 1,892 |
| Credit loss provision to net charge-offs | 66.3366% | 4,987 |
| Earnings coverage of net charge-offs (x) | 0.7376% | 5,254 |
| Efficiency ratio | 87.1607% | 1,422 |
| Assets per employee ($millions) | 2.4178% | 6,902 |
| Cash dividends to net income (ytd only)* | 160.0000% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2695% | 1,675 |
| Loan loss allowance to noncurrent loans | 54.0478% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 4.1207% | 1,388 |
| Noncurrent loans to loans | 4.1991% | 1,466 |
| Net loans and leases to total assets | 80.4873% | 447 |
| Net loans and leases to deposits | 107.8188% | 212 |
| Net loans and leases to core deposits | 116.3217% | 439 |
| Total domestic deposits to total assets | 74.6506% | 6,658 |
| Equity capital to assets | 9.2342% | 5,235 |
| Core capital (leverage) ratio | 8.0352% | 6,220 |
| Tier 1 risk-based capital ratio | 11.1829% | 6,357 |
| Total risk-based capital ratio | 12.4498% | 6,326 |
| Memoranda: | ||
| Average total assets | $352,713,200 | 1,834 |
| Average earning assets | $304,332,000 | 1,926 |
| Average equity | $28,180,200 | 2,321 |
| Average total loans | $264,293,000 | 1,593 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5406% | 5,119 |
| Cost of funding earning assets | 1.3045% | 1,675 |
| Net interest margin | 3.2361% | 6,058 |
| Noninterest income to average assets | 1.0782% | 1,152 |
| Noninterest expense to average assets | 3.4511% | 2,070 |
| Loan and lease loss provision to assets | 0.6252% | 1,566 |
| Net operating income to assets | -0.1178% | 6,301 |
| Return on assets (ROA) | 0.0085% | 6,243 |
| Pretax return on assets | -0.0136% | 6,245 |
| Return on Equity (ROE) | 0.1097% | 6,238 |
| Retained earnings to average equity (ytd only) | -4.2761% | 6,536 |
| Net charge-offs to loans | 1.0138% | 1,586 |
| Credit loss provision to net charge-offs | 84.1089% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.5574% | 5,215 |
| Efficiency ratio | 89.2803% | 1,214 |
| Assets per employee ($millions) | 2.6964% | 6,655 |
| Cash dividends to net income (ytd only)* | 3,999.4783% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4515% | 1,464 |
| Loan loss allowance to noncurrent loans | 50.1931% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 4.2446% | 1,439 |
| Noncurrent loans to loans | 4.8841% | 1,296 |
| Net loans and leases to total assets | 74.6052% | 1,218 |
| Net loans and leases to deposits | 97.5230% | 605 |
| Net loans and leases to core deposits | 104.6052% | 946 |
| Total domestic deposits to total assets | 76.5001% | 6,454 |
| Equity capital to assets | 8.3797% | 6,412 |
| Core capital (leverage) ratio | 7.2652% | 6,878 |
| Tier 1 risk-based capital ratio | 10.9393% | 6,579 |
| Total risk-based capital ratio | 12.2090% | 6,541 |
| Memoranda: | ||
| Average total assets | $362,311,750 | 1,804 |
| Average earning assets | $312,051,000 | 1,893 |
| Average equity | $27,969,000 | 2,336 |
| Average total loans | $265,650,750 | 1,599 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4815% | 5,411 |
| Cost of funding earning assets | 1.3342% | 1,733 |
| Net interest margin | 3.1473% | 6,289 |
| Noninterest income to average assets | 1.0480% | 1,197 |
| Noninterest expense to average assets | 3.4199% | 2,207 |
| Loan and lease loss provision to assets | 1.0032% | 869 |
| Net operating income to assets | -0.4245% | 6,634 |
| Return on assets (ROA) | -0.4245% | 6,661 |
| Pretax return on assets | -0.6744% | 6,752 |
| Return on Equity (ROE) | -5.6471% | 6,754 |
| Retained earnings to average equity (ytd only) | -11.4021% | 6,927 |
| Net charge-offs to loans | 1.4216% | 1,059 |
| Credit loss provision to net charge-offs | 97.5289% | 3,233 |
| Earnings coverage of net charge-offs (x) | 0.3197% | 5,074 |
| Efficiency ratio | 91.2291% | 1,152 |
| Assets per employee ($millions) | 2.9051% | 6,291 |
| Cash dividends to net income (ytd only)* | -101.9108% | 7,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4993% | 1,449 |
| Loan loss allowance to noncurrent loans | 44.9283% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 4.8383% | 1,279 |
| Noncurrent loans to loans | 5.5629% | 1,127 |
| Net loans and leases to total assets | 71.9504% | 1,794 |
| Net loans and leases to deposits | 100.9279% | 452 |
| Net loans and leases to core deposits | 109.4724% | 734 |
| Total domestic deposits to total assets | 71.2889% | 7,045 |
| Equity capital to assets | 7.5751% | 6,915 |
| Core capital (leverage) ratio | 6.5760% | 7,111 |
| Tier 1 risk-based capital ratio | 10.2480% | 6,897 |
| Total risk-based capital ratio | 11.5175% | 6,881 |
| Memoranda: | ||
| Average total assets | $369,832,000 | 1,768 |
| Average earning assets | $317,347,670 | 1,878 |
| Average equity | $27,802,000 | 2,328 |
| Average total loans | $267,587,000 | 1,613 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4715% | 5,439 |
| Cost of funding earning assets | 1.3608% | 1,826 |
| Net interest margin | 3.1107% | 6,325 |
| Noninterest income to average assets | 1.0869% | 1,113 |
| Noninterest expense to average assets | 3.0035% | 3,637 |
| Loan and lease loss provision to assets | 0.9417% | 835 |
| Net operating income to assets | -0.0993% | 6,458 |
| Return on assets (ROA) | -0.0993% | 6,477 |
| Pretax return on assets | -0.1783% | 6,522 |
| Return on Equity (ROE) | -1.3258% | 6,530 |
| Retained earnings to average equity (ytd only) | -4.1769% | 6,438 |
| Net charge-offs to loans | 1.0936% | 1,259 |
| Credit loss provision to net charge-offs | 120.1635% | 2,271 |
| Earnings coverage of net charge-offs (x) | 0.9741% | 3,924 |
| Efficiency ratio | 79.7336% | 2,578 |
| Assets per employee ($millions) | 3.0601% | 6,031 |
| Cash dividends to net income (ytd only)* | -215.0538% | 7,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5650% | 1,362 |
| Loan loss allowance to noncurrent loans | 71.3809% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 2.9390% | 2,354 |
| Noncurrent loans to loans | 3.5934% | 2,067 |
| Net loans and leases to total assets | 68.4650% | 2,461 |
| Net loans and leases to deposits | 94.1671% | 804 |
| Net loans and leases to core deposits | 103.1510% | 1,120 |
| Total domestic deposits to total assets | 72.7058% | 7,021 |
| Equity capital to assets | 7.3498% | 6,953 |
| Core capital (leverage) ratio | 6.7747% | 7,088 |
| Tier 1 risk-based capital ratio | 10.7507% | 6,664 |
| Total risk-based capital ratio | 12.0214% | 6,638 |
| Memoranda: | ||
| Average total assets | $374,631,500 | 1,754 |
| Average earning assets | $322,754,500 | 1,863 |
| Average equity | $28,059,000 | 2,295 |
| Average total loans | $268,464,000 | 1,626 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8142% | 5,367 |
| Cost of funding earning assets | 1.6769% | 1,700 |
| Net interest margin | 3.1373% | 6,420 |
| Noninterest income to average assets | 1.1560% | 1,107 |
| Noninterest expense to average assets | 3.0519% | 3,654 |
| Loan and lease loss provision to assets | 1.4278% | 1,050 |
| Net operating income to assets | -0.2972% | 6,211 |
| Return on assets (ROA) | -0.1048% | 6,058 |
| Pretax return on assets | -0.2729% | 6,140 |
| Return on Equity (ROE) | -1.3182% | 6,098 |
| Retained earnings to average equity (ytd only) | -3.0870% | 6,103 |
| Net charge-offs to loans | 0.9629% | 2,249 |
| Credit loss provision to net charge-offs | 201.1958% | 1,553 |
| Earnings coverage of net charge-offs (x) | 1.2037% | 4,904 |
| Efficiency ratio | 78.1316% | 2,687 |
| Assets per employee ($millions) | 2.9585% | 6,190 |
| Cash dividends to net income (ytd only)* | -134.1772% | 7,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4754% | 1,436 |
| Loan loss allowance to noncurrent loans | 102.9226% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 2.2257% | 3,062 |
| Noncurrent loans to loans | 2.4051% | 3,110 |
| Net loans and leases to total assets | 71.2814% | 2,240 |
| Net loans and leases to deposits | 99.1034% | 632 |
| Net loans and leases to core deposits | 111.2562% | 855 |
| Total domestic deposits to total assets | 71.9263% | 7,087 |
| Equity capital to assets | 7.6333% | 6,792 |
| Core capital (leverage) ratio | 6.7201% | 7,137 |
| Tier 1 risk-based capital ratio | 10.9733% | 6,342 |
| Total risk-based capital ratio | 12.2429% | 6,307 |
| Memoranda: | ||
| Average total assets | $377,078,000 | 1,748 |
| Average earning assets | $330,544,000 | 1,804 |
| Average equity | $29,964,800 | 2,176 |
| Average total loans | $277,897,200 | 1,609 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7941% | 5,686 |
| Cost of funding earning assets | 1.7123% | 1,806 |
| Net interest margin | 3.0817% | 6,655 |
| Noninterest income to average assets | 1.1254% | 1,104 |
| Noninterest expense to average assets | 3.0312% | 3,642 |
| Loan and lease loss provision to assets | 1.2608% | 1,119 |
| Net operating income to assets | -0.2226% | 6,349 |
| Return on assets (ROA) | -0.1942% | 6,377 |
| Pretax return on assets | -0.4093% | 6,503 |
| Return on Equity (ROE) | -2.4211% | 6,444 |
| Retained earnings to average equity (ytd only) | -4.1755% | 6,477 |
| Net charge-offs to loans | 0.9740% | 2,050 |
| Credit loss provision to net charge-offs | 175.2935% | 2,102 |
| Earnings coverage of net charge-offs (x) | 1.1223% | 4,931 |
| Efficiency ratio | 78.9696% | 2,492 |
| Assets per employee ($millions) | 3.2194% | 5,632 |
| Cash dividends to net income (ytd only)* | -72.4639% | 7,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9967% | 2,233 |
| Loan loss allowance to noncurrent loans | 80.6367% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 2.2696% | 3,121 |
| Noncurrent loans to loans | 2.4762% | 3,143 |
| Net loans and leases to total assets | 69.5758% | 2,834 |
| Net loans and leases to deposits | 95.7098% | 1,020 |
| Net loans and leases to core deposits | 112.3646% | 916 |
| Total domestic deposits to total assets | 72.6946% | 7,065 |
| Equity capital to assets | 7.7072% | 6,994 |
| Core capital (leverage) ratio | 6.8175% | 7,245 |
| Tier 1 risk-based capital ratio | 10.4433% | 6,809 |
| Total risk-based capital ratio | 11.7056% | 6,800 |
| Memoranda: | ||
| Average total assets | $378,894,500 | 1,761 |
| Average earning assets | $333,569,250 | 1,813 |
| Average equity | $30,398,750 | 2,167 |
| Average total loans | $279,797,000 | 1,621 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8166% | 5,736 |
| Cost of funding earning assets | 1.7358% | 1,937 |
| Net interest margin | 3.0809% | 6,653 |
| Noninterest income to average assets | 1.0939% | 1,111 |
| Noninterest expense to average assets | 3.0756% | 3,411 |
| Loan and lease loss provision to assets | 0.9303% | 1,572 |
| Net operating income to assets | -0.0403% | 6,132 |
| Return on assets (ROA) | 0.0027% | 6,184 |
| Pretax return on assets | -0.1098% | 6,259 |
| Return on Equity (ROE) | 0.0328% | 6,185 |
| Retained earnings to average equity (ytd only) | -1.9329% | 6,135 |
| Net charge-offs to loans | 0.5013% | 3,034 |
| Credit loss provision to net charge-offs | 248.0114% | 1,554 |
| Earnings coverage of net charge-offs (x) | 2.0085% | 4,018 |
| Efficiency ratio | 80.3228% | 2,403 |
| Assets per employee ($millions) | 3.1424% | 5,810 |
| Cash dividends to net income (ytd only)* | 6,000.0000% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8053% | 2,703 |
| Loan loss allowance to noncurrent loans | 75.3825% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 2.4824% | 2,900 |
| Noncurrent loans to loans | 2.3949% | 3,265 |
| Net loans and leases to total assets | 73.0902% | 2,147 |
| Net loans and leases to deposits | 102.3529% | 575 |
| Net loans and leases to core deposits | 120.8018% | 671 |
| Total domestic deposits to total assets | 71.4100% | 7,230 |
| Equity capital to assets | 8.1827% | 6,564 |
| Core capital (leverage) ratio | 6.9998% | 7,192 |
| Tier 1 risk-based capital ratio | 10.7334% | 6,496 |
| Total risk-based capital ratio | 11.9933% | 6,476 |
| Memoranda: | ||
| Average total assets | $375,344,330 | 1,789 |
| Average earning assets | $333,219,670 | 1,830 |
| Average equity | $30,524,000 | 2,159 |
| Average total loans | $280,879,000 | 1,626 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8129% | 5,846 |
| Cost of funding earning assets | 1.7828% | 1,952 |
| Net interest margin | 3.0301% | 6,767 |
| Noninterest income to average assets | 1.1743% | 890 |
| Noninterest expense to average assets | 2.9529% | 3,846 |
| Loan and lease loss provision to assets | 0.6276% | 2,022 |
| Net operating income to assets | 0.2377% | 5,555 |
| Return on assets (ROA) | 0.3489% | 5,205 |
| Pretax return on assets | 0.4180% | 5,236 |
| Return on Equity (ROE) | 4.3035% | 4,758 |
| Retained earnings to average equity (ytd only) | 4.3035% | 3,566 |
| Net charge-offs to loans | 0.6025% | 2,305 |
| Credit loss provision to net charge-offs | 138.8235% | 2,549 |
| Earnings coverage of net charge-offs (x) | 2.0165% | 3,530 |
| Efficiency ratio | 76.4107% | 3,148 |
| Assets per employee ($millions) | 3.1080% | 5,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4736% | 4,052 |
| Loan loss allowance to noncurrent loans | 54.5216% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 2.5905% | 2,815 |
| Noncurrent loans to loans | 2.7028% | 2,964 |
| Net loans and leases to total assets | 72.5481% | 2,314 |
| Net loans and leases to deposits | 102.1985% | 638 |
| Net loans and leases to core deposits | 119.6174% | 801 |
| Total domestic deposits to total assets | 70.9875% | 7,342 |
| Equity capital to assets | 8.0200% | 6,633 |
| Core capital (leverage) ratio | 7.1710% | 7,132 |
| Tier 1 risk-based capital ratio | 10.8145% | 6,333 |
| Total risk-based capital ratio | 12.0700% | 6,306 |
| Memoranda: | ||
| Average total assets | $376,042,000 | 1,823 |
| Average earning assets | $333,852,000 | 1,874 |
| Average equity | $30,486,500 | 2,192 |
| Average total loans | $282,146,000 | 1,667 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1270% | 5,971 |
| Cost of funding earning assets | 2.1770% | 2,130 |
| Net interest margin | 2.9500% | 6,754 |
| Noninterest income to average assets | 1.0932% | 1,286 |
| Noninterest expense to average assets | 2.9409% | 4,380 |
| Loan and lease loss provision to assets | 0.6613% | 3,163 |
| Net operating income to assets | 0.0822% | 5,260 |
| Return on assets (ROA) | 0.3192% | 4,544 |
| Pretax return on assets | 0.4382% | 4,382 |
| Return on Equity (ROE) | 4.1456% | 4,028 |
| Retained earnings to average equity (ytd only) | 0.7559% | 4,483 |
| Net charge-offs to loans | 0.4856% | 3,831 |
| Credit loss provision to net charge-offs | 182.4334% | 2,259 |
| Earnings coverage of net charge-offs (x) | 2.1375% | 4,121 |
| Efficiency ratio | 79.1474% | 3,020 |
| Assets per employee ($millions) | 2.9349% | 6,373 |
| Cash dividends to net income (ytd only)* | 81.7661% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4084% | 4,189 |
| Loan loss allowance to noncurrent loans | 48.6979% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 2.7758% | 2,516 |
| Noncurrent loans to loans | 2.8921% | 2,670 |
| Net loans and leases to total assets | 75.3978% | 1,943 |
| Net loans and leases to deposits | 107.5901% | 476 |
| Net loans and leases to core deposits | 121.7898% | 1,800 |
| Total domestic deposits to total assets | 70.0788% | 7,419 |
| Equity capital to assets | 8.1974% | 6,350 |
| Core capital (leverage) ratio | 7.1250% | 7,137 |
| Tier 1 risk-based capital ratio | 10.7927% | 6,119 |
| Total risk-based capital ratio | 12.0475% | 6,088 |
| Memoranda: | ||
| Average total assets | $383,180,000 | 1,785 |
| Average earning assets | $340,647,000 | 1,831 |
| Average equity | $29,501,400 | 2,267 |
| Average total loans | $286,064,200 | 1,675 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1848% | 5,941 |
| Cost of funding earning assets | 2.2626% | 2,137 |
| Net interest margin | 2.9222% | 6,797 |
| Noninterest income to average assets | 1.1204% | 1,263 |
| Noninterest expense to average assets | 2.8741% | 4,553 |
| Loan and lease loss provision to assets | 0.6347% | 2,854 |
| Net operating income to assets | 0.1583% | 5,293 |
| Return on assets (ROA) | 0.4615% | 4,258 |
| Pretax return on assets | 0.6181% | 4,137 |
| Return on Equity (ROE) | 6.0890% | 3,491 |
| Retained earnings to average equity (ytd only) | 1.5382% | 4,452 |
| Net charge-offs to loans | 0.3263% | 4,006 |
| Credit loss provision to net charge-offs | 262.1083% | 1,625 |
| Earnings coverage of net charge-offs (x) | 3.5043% | 3,504 |
| Efficiency ratio | 77.2053% | 3,285 |
| Assets per employee ($millions) | 2.9517% | 6,279 |
| Cash dividends to net income (ytd only)* | 74.7382% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3898% | 4,002 |
| Loan loss allowance to noncurrent loans | 55.9527% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 2.5134% | 2,759 |
| Noncurrent loans to loans | 2.4839% | 3,033 |
| Net loans and leases to total assets | 75.2540% | 2,173 |
| Net loans and leases to deposits | 108.0804% | 556 |
| Net loans and leases to core deposits | 119.3919% | 2,304 |
| Total domestic deposits to total assets | 69.6278% | 7,444 |
| Equity capital to assets | 8.1487% | 6,694 |
| Core capital (leverage) ratio | 7.0193% | 7,421 |
| Tier 1 risk-based capital ratio | 10.7365% | 6,218 |
| Total risk-based capital ratio | 11.9910% | 6,177 |
| Memoranda: | ||
| Average total assets | $386,524,750 | 1,783 |
| Average earning assets | $344,201,250 | 1,830 |
| Average equity | $29,298,250 | 2,301 |
| Average total loans | $286,879,000 | 1,689 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1601% | 6,225 |
| Cost of funding earning assets | 2.3071% | 2,333 |
| Net interest margin | 2.8529% | 6,904 |
| Noninterest income to average assets | 1.1183% | 1,268 |
| Noninterest expense to average assets | 2.8242% | 4,853 |
| Loan and lease loss provision to assets | 0.7587% | 2,166 |
| Net operating income to assets | 0.0707% | 5,646 |
| Return on assets (ROA) | 0.5358% | 4,059 |
| Pretax return on assets | 0.6588% | 4,134 |
| Return on Equity (ROE) | 7.2433% | 3,093 |
| Retained earnings to average equity (ytd only) | 2.3960% | 3,997 |
| Net charge-offs to loans | 0.1811% | 4,441 |
| Credit loss provision to net charge-offs | 569.6154% | 820 |
| Earnings coverage of net charge-offs (x) | 6.3308% | 2,643 |
| Efficiency ratio | 77.0080% | 3,512 |
| Assets per employee ($millions) | 3.1253% | 5,793 |
| Cash dividends to net income (ytd only)* | 66.9216% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4107% | 3,667 |
| Loan loss allowance to noncurrent loans | 66.6284% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 2.1778% | 2,964 |
| Noncurrent loans to loans | 2.1173% | 3,360 |
| Net loans and leases to total assets | 72.6104% | 3,065 |
| Net loans and leases to deposits | 112.6934% | 456 |
| Net loans and leases to core deposits | 124.8075% | 1,954 |
| Total domestic deposits to total assets | 64.4319% | 7,813 |
| Equity capital to assets | 7.7736% | 7,007 |
| Core capital (leverage) ratio | 6.7283% | 7,690 |
| Tier 1 risk-based capital ratio | 10.6638% | 6,221 |
| Total risk-based capital ratio | 11.9188% | 6,149 |
| Memoranda: | ||
| Average total assets | $390,410,000 | 1,794 |
| Average earning assets | $348,832,330 | 1,825 |
| Average equity | $28,882,000 | 2,342 |
| Average total loans | $287,145,330 | 1,720 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4128% | 5,357 |
| Cost of funding earning assets | 2.3568% | 2,486 |
| Net interest margin | 3.0560% | 6,320 |
| Noninterest income to average assets | 1.1725% | 1,065 |
| Noninterest expense to average assets | 2.7416% | 4,821 |
| Loan and lease loss provision to assets | 1.2555% | 1,016 |
| Net operating income to assets | -0.0684% | 6,356 |
| Return on assets (ROA) | 0.7779% | 3,392 |
| Pretax return on assets | 1.0321% | 3,241 |
| Return on Equity (ROE) | 10.7895% | 2,031 |
| Retained earnings to average equity (ytd only) | 6.5249% | 2,409 |
| Net charge-offs to loans | 0.2092% | 3,387 |
| Credit loss provision to net charge-offs | 816.6667% | 737 |
| Earnings coverage of net charge-offs (x) | 7.5400% | 2,331 |
| Efficiency ratio | 70.2838% | 4,513 |
| Assets per employee ($millions) | 3.2832% | 5,360 |
| Cash dividends to net income (ytd only)* | 39.5257% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 3,753 |
| Loan loss allowance to noncurrent loans | 90.0161% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 1.6291% | 3,470 |
| Noncurrent loans to loans | 1.5071% | 4,027 |
| Net loans and leases to total assets | 71.6179% | 3,321 |
| Net loans and leases to deposits | 111.6011% | 538 |
| Net loans and leases to core deposits | 122.7017% | 2,191 |
| Total domestic deposits to total assets | 64.1731% | 7,837 |
| Equity capital to assets | 7.0650% | 7,648 |
| Core capital (leverage) ratio | 6.2380% | 7,961 |
| Tier 1 risk-based capital ratio | 9.7265% | 7,225 |
| Total risk-based capital ratio | 10.9806% | 7,130 |
| Memoranda: | ||
| Average total assets | $390,281,500 | 1,802 |
| Average earning assets | $348,434,500 | 1,839 |
| Average equity | $28,138,500 | 2,407 |
| Average total loans | $286,856,000 | 1,731 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3373% | 3,746 |
| Cost of funding earning assets | 3.1138% | 1,465 |
| Net interest margin | 3.2235% | 6,292 |
| Noninterest income to average assets | 1.2540% | 938 |
| Noninterest expense to average assets | 3.0736% | 3,808 |
| Loan and lease loss provision to assets | 0.1328% | 5,661 |
| Net operating income to assets | 0.6982% | 3,898 |
| Return on assets (ROA) | 0.6895% | 3,776 |
| Pretax return on assets | 0.8878% | 3,762 |
| Return on Equity (ROE) | 9.2340% | 2,554 |
| Retained earnings to average equity (ytd only) | -0.2256% | 5,351 |
| Net charge-offs to loans | 0.1249% | 4,992 |
| Credit loss provision to net charge-offs | 140.1146% | 3,789 |
| Earnings coverage of net charge-offs (x) | 10.8825% | 2,450 |
| Efficiency ratio | 74.8677% | 3,422 |
| Assets per employee ($millions) | 3.2209% | 5,427 |
| Cash dividends to net income (ytd only)* | 102.4429% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9948% | 6,107 |
| Loan loss allowance to noncurrent loans | 79.2737% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 1.4331% | 3,343 |
| Noncurrent loans to loans | 1.2549% | 4,003 |
| Net loans and leases to total assets | 73.6890% | 3,187 |
| Net loans and leases to deposits | 118.7703% | 421 |
| Net loans and leases to core deposits | 130.6033% | 1,814 |
| Total domestic deposits to total assets | 62.0433% | 7,884 |
| Equity capital to assets | 7.3599% | 7,503 |
| Core capital (leverage) ratio | 6.1102% | 8,046 |
| Tier 1 risk-based capital ratio | 9.8385% | 6,910 |
| Total risk-based capital ratio | 11.0173% | 6,888 |
| Memoranda: | ||
| Average total assets | $368,098,200 | 1,827 |
| Average earning assets | $325,610,800 | 1,873 |
| Average equity | $27,485,400 | 2,443 |
| Average total loans | $279,521,800 | 1,723 |