Home > The Denison State Bank > Performance and Condition Ratios
The Denison State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7455% | 2,582 |
| Cost of funding earning assets | 1.3093% | 2,489 |
| Net interest margin | 3.4362% | 2,332 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 2.2397% | 3,008 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.5592% | 919 |
| Return on assets (ROA) | 1.5610% | 887 |
| Pretax return on assets | 1.6321% | 1,179 |
| Return on Equity (ROE) | 13.0500% | 1,717 |
| Retained earnings to average equity (ytd only) | 8.3553% | 1,441 |
| Net charge-offs to loans | 0.0549% | 1,312 |
| Credit loss provision to net charge-offs | -33.1034% | 4,447 |
| Earnings coverage of net charge-offs (x) | 48.6000% | 1,313 |
| Efficiency ratio | 57.6069% | 3,334 |
| Assets per employee ($millions) | 6.4131% | 2,469 |
| Cash dividends to net income (ytd only)* | 35.9604% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 2,809 |
| Loan loss allowance to noncurrent loans | 177.7910% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 1,432 |
| Noncurrent loans to loans | 0.6214% | 1,265 |
| Net loans and leases to total assets | 61.4600% | 2,718 |
| Net loans and leases to deposits | 73.7979% | 2,629 |
| Net loans and leases to core deposits | 81.9153% | 2,587 |
| Total domestic deposits to total assets | 83.2800% | 2,813 |
| Equity capital to assets | 12.6478% | 956 |
| Core capital (leverage) ratio | 15.3822% | 564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $427,557,000 | 1,929 |
| Average earning assets | $397,069,600 | 1,916 |
| Average equity | $51,153,400 | 1,582 |
| Average total loans | $264,286,800 | 1,939 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6368% | 2,595 |
| Cost of funding earning assets | 1.2042% | 2,419 |
| Net interest margin | 3.4326% | 2,389 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 2.2148% | 3,039 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5915% | 952 |
| Return on assets (ROA) | 1.5934% | 946 |
| Pretax return on assets | 1.6614% | 1,236 |
| Return on Equity (ROE) | 13.5200% | 1,794 |
| Retained earnings to average equity (ytd only) | 8.7304% | 1,759 |
| Net charge-offs to loans | -0.0564% | 4,394 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.1486% | 3,295 |
| Assets per employee ($millions) | 6.0896% | 2,665 |
| Cash dividends to net income (ytd only)* | 35.4052% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 2,444 |
| Loan loss allowance to noncurrent loans | 227.5788% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.3322% | 1,696 |
| Noncurrent loans to loans | 0.5203% | 1,519 |
| Net loans and leases to total assets | 63.0900% | 2,551 |
| Net loans and leases to deposits | 77.5066% | 2,286 |
| Net loans and leases to core deposits | 84.4136% | 2,301 |
| Total domestic deposits to total assets | 81.4100% | 3,323 |
| Equity capital to assets | 11.8649% | 1,075 |
| Core capital (leverage) ratio | 15.3798% | 568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $425,423,250 | 1,935 |
| Average earning assets | $395,065,500 | 1,923 |
| Average equity | $50,152,750 | 1,590 |
| Average total loans | $262,603,500 | 1,948 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4624% | 2,740 |
| Cost of funding earning assets | 1.0666% | 2,392 |
| Net interest margin | 3.3958% | 2,531 |
| Noninterest income to average assets | 0.6800% | 1,182 |
| Noninterest expense to average assets | 2.1589% | 3,192 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 1.6224% | 910 |
| Return on assets (ROA) | 1.6242% | 910 |
| Pretax return on assets | 1.6977% | 1,218 |
| Return on Equity (ROE) | 13.8100% | 1,724 |
| Retained earnings to average equity (ytd only) | 9.0304% | 1,676 |
| Net charge-offs to loans | -0.0268% | 4,204 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.3004% | 3,379 |
| Assets per employee ($millions) | 5.9973% | 2,711 |
| Cash dividends to net income (ytd only)* | 34.5921% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 2,741 |
| Loan loss allowance to noncurrent loans | 242.1429% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.2918% | 1,753 |
| Noncurrent loans to loans | 0.4721% | 1,531 |
| Net loans and leases to total assets | 61.1100% | 2,657 |
| Net loans and leases to deposits | 77.5601% | 2,169 |
| Net loans and leases to core deposits | 83.5998% | 2,232 |
| Total domestic deposits to total assets | 78.7900% | 3,751 |
| Equity capital to assets | 11.8356% | 1,093 |
| Core capital (leverage) ratio | 15.1700% | 571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $427,170,667 | 1,928 |
| Average earning assets | $396,965,667 | 1,919 |
| Average equity | $50,252,333 | 1,593 |
| Average total loans | $260,708,333 | 1,953 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2670% | 2,884 |
| Cost of funding earning assets | 0.8731% | 2,463 |
| Net interest margin | 3.3940% | 2,650 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 2.2775% | 2,877 |
| Loan and lease loss provision to assets | -0.0600% | 4,531 |
| Net operating income to assets | 1.5479% | 1,085 |
| Return on assets (ROA) | 1.5488% | 1,074 |
| Pretax return on assets | 1.6137% | 1,428 |
| Return on Equity (ROE) | 13.2100% | 1,942 |
| Retained earnings to average equity (ytd only) | 13.2062% | 1,055 |
| Net charge-offs to loans | -0.0233% | 4,146 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.5373% | 3,011 |
| Assets per employee ($millions) | 6.0658% | 2,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 2,718 |
| Loan loss allowance to noncurrent loans | 178.9442% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.3971% | 1,301 |
| Noncurrent loans to loans | 0.6534% | 1,152 |
| Net loans and leases to total assets | 60.0600% | 2,642 |
| Net loans and leases to deposits | 74.1558% | 2,283 |
| Net loans and leases to core deposits | 79.0026% | 2,318 |
| Total domestic deposits to total assets | 80.9900% | 3,640 |
| Equity capital to assets | 12.1698% | 946 |
| Core capital (leverage) ratio | 15.1920% | 555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $424,852,500 | 1,954 |
| Average earning assets | $394,935,000 | 1,950 |
| Average equity | $49,825,000 | 1,616 |
| Average total loans | $257,606,500 | 1,989 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6890% | 2,556 |
| Cost of funding earning assets | 0.4993% | 1,396 |
| Net interest margin | 3.1897% | 2,893 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 2.0750% | 3,369 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6395% | 623 |
| Return on assets (ROA) | 1.6415% | 590 |
| Pretax return on assets | 1.7024% | 913 |
| Return on Equity (ROE) | 14.0600% | 1,518 |
| Retained earnings to average equity (ytd only) | 9.3195% | 1,383 |
| Net charge-offs to loans | -0.0226% | 4,103 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.9615% | 3,686 |
| Assets per employee ($millions) | 6.0728% | 2,701 |
| Cash dividends to net income (ytd only)* | 33.7268% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2392% | 2,199 |
| Loan loss allowance to noncurrent loans | 199.5617% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.3757% | 1,363 |
| Noncurrent loans to loans | 0.6209% | 1,197 |
| Net loans and leases to total assets | 59.7500% | 2,656 |
| Net loans and leases to deposits | 75.0151% | 2,177 |
| Net loans and leases to core deposits | 78.7459% | 2,223 |
| Total domestic deposits to total assets | 79.6500% | 3,926 |
| Equity capital to assets | 11.2859% | 1,152 |
| Core capital (leverage) ratio | 14.8583% | 594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $433,495,400 | 1,913 |
| Average earning assets | $403,957,000 | 1,903 |
| Average equity | $50,603,800 | 1,607 |
| Average total loans | $247,741,200 | 1,956 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5950% | 2,363 |
| Cost of funding earning assets | 0.4704% | 875 |
| Net interest margin | 3.1245% | 2,851 |
| Noninterest income to average assets | 0.8600% | 906 |
| Noninterest expense to average assets | 2.0300% | 3,403 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6799% | 554 |
| Return on assets (ROA) | 1.6819% | 536 |
| Pretax return on assets | 1.7475% | 815 |
| Return on Equity (ROE) | 14.2900% | 1,352 |
| Retained earnings to average equity (ytd only) | 9.6108% | 1,456 |
| Net charge-offs to loans | -0.0402% | 4,246 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.7701% | 3,837 |
| Assets per employee ($millions) | 6.0762% | 2,689 |
| Cash dividends to net income (ytd only)* | 32.7571% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 2,123 |
| Loan loss allowance to noncurrent loans | 208.2521% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.3671% | 1,468 |
| Noncurrent loans to loans | 0.6149% | 1,317 |
| Net loans and leases to total assets | 58.9300% | 2,608 |
| Net loans and leases to deposits | 71.6782% | 2,236 |
| Net loans and leases to core deposits | 74.8779% | 2,285 |
| Total domestic deposits to total assets | 82.2100% | 3,808 |
| Equity capital to assets | 10.6173% | 1,322 |
| Core capital (leverage) ratio | 14.4050% | 624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $435,595,000 | 1,913 |
| Average earning assets | $406,411,000 | 1,904 |
| Average equity | $51,260,750 | 1,613 |
| Average total loans | $245,379,250 | 1,971 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4761% | 2,202 |
| Cost of funding earning assets | 0.4633% | 647 |
| Net interest margin | 3.0128% | 2,839 |
| Noninterest income to average assets | 0.9337% | 782 |
| Noninterest expense to average assets | 1.9849% | 3,470 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6933% | 434 |
| Return on assets (ROA) | 1.6942% | 428 |
| Pretax return on assets | 1.7599% | 658 |
| Return on Equity (ROE) | 13.9638% | 1,122 |
| Retained earnings to average equity (ytd only) | 9.4787% | 1,142 |
| Net charge-offs to loans | -0.0139% | 3,732 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0160% | 4,044 |
| Assets per employee ($millions) | 6.2464% | 2,523 |
| Cash dividends to net income (ytd only)* | 32.1199% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 2,386 |
| Loan loss allowance to noncurrent loans | 264.3157% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.2724% | 1,950 |
| Noncurrent loans to loans | 0.4761% | 1,691 |
| Net loans and leases to total assets | 56.4913% | 2,700 |
| Net loans and leases to deposits | 70.1663% | 2,185 |
| Net loans and leases to core deposits | 72.6523% | 2,273 |
| Total domestic deposits to total assets | 80.5106% | 4,180 |
| Equity capital to assets | 11.1445% | 1,154 |
| Core capital (leverage) ratio | 13.9781% | 636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $441,040,333 | 1,900 |
| Average earning assets | $411,378,000 | 1,910 |
| Average equity | $53,509,667 | 1,599 |
| Average total loans | $243,749,333 | 1,975 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3905% | 2,116 |
| Cost of funding earning assets | 0.4722% | 576 |
| Net interest margin | 2.9183% | 2,773 |
| Noninterest income to average assets | 0.7983% | 1,051 |
| Noninterest expense to average assets | 2.0292% | 3,355 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4115% | 773 |
| Return on assets (ROA) | 1.4115% | 769 |
| Pretax return on assets | 1.4873% | 1,037 |
| Return on Equity (ROE) | 11.1843% | 1,556 |
| Retained earnings to average equity (ytd only) | 11.1843% | 750 |
| Net charge-offs to loans | -0.0033% | 3,221 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7042% | 3,709 |
| Assets per employee ($millions) | 6.4693% | 2,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3092% | 2,314 |
| Loan loss allowance to noncurrent loans | 520.4319% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.1368% | 2,833 |
| Noncurrent loans to loans | 0.2516% | 2,584 |
| Net loans and leases to total assets | 53.6880% | 2,801 |
| Net loans and leases to deposits | 67.0003% | 2,242 |
| Net loans and leases to core deposits | 70.1664% | 2,282 |
| Total domestic deposits to total assets | 80.1310% | 4,281 |
| Equity capital to assets | 11.8342% | 1,008 |
| Core capital (leverage) ratio | 13.8003% | 613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $442,936,500 | 1,901 |
| Average earning assets | $412,566,500 | 1,911 |
| Average equity | $55,900,000 | 1,577 |
| Average total loans | $240,546,500 | 1,989 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4913% | 2,684 |
| Cost of funding earning assets | 0.5377% | 760 |
| Net interest margin | 2.9536% | 3,310 |
| Noninterest income to average assets | 1.0004% | 1,004 |
| Noninterest expense to average assets | 2.0036% | 3,664 |
| Loan and lease loss provision to assets | -0.0575% | 4,392 |
| Net operating income to assets | 1.7392% | 583 |
| Return on assets (ROA) | 1.7418% | 600 |
| Pretax return on assets | 1.8095% | 897 |
| Return on Equity (ROE) | 12.7996% | 1,524 |
| Retained earnings to average equity (ytd only) | 8.6159% | 1,310 |
| Net charge-offs to loans | 0.0231% | 1,789 |
| Credit loss provision to net charge-offs | -454.5455% | 3,740 |
| Earnings coverage of net charge-offs (x) | 138.2545% | 716 |
| Efficiency ratio | 53.3897% | 3,994 |
| Assets per employee ($millions) | 6.2811% | 2,501 |
| Cash dividends to net income (ytd only)* | 32.6862% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2950% | 2,382 |
| Loan loss allowance to noncurrent loans | 604.4402% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 2,831 |
| Noncurrent loans to loans | 0.2142% | 2,887 |
| Net loans and leases to total assets | 53.5134% | 2,908 |
| Net loans and leases to deposits | 68.6424% | 2,250 |
| Net loans and leases to core deposits | 71.8026% | 2,277 |
| Total domestic deposits to total assets | 77.9597% | 4,395 |
| Equity capital to assets | 13.3958% | 794 |
| Core capital (leverage) ratio | 13.6730% | 670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $434,714,400 | 1,881 |
| Average earning assets | $405,092,600 | 1,889 |
| Average equity | $59,158,200 | 1,526 |
| Average total loans | $238,585,600 | 1,995 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5089% | 2,808 |
| Cost of funding earning assets | 0.5520% | 824 |
| Net interest margin | 2.9569% | 3,426 |
| Noninterest income to average assets | 1.0712% | 961 |
| Noninterest expense to average assets | 1.9584% | 3,793 |
| Loan and lease loss provision to assets | -0.0771% | 4,543 |
| Net operating income to assets | 1.8774% | 581 |
| Return on assets (ROA) | 1.8803% | 601 |
| Pretax return on assets | 1.9529% | 859 |
| Return on Equity (ROE) | 13.7617% | 1,463 |
| Retained earnings to average equity (ytd only) | 9.6948% | 1,414 |
| Net charge-offs to loans | 0.0415% | 1,268 |
| Credit loss provision to net charge-offs | -337.8378% | 3,527 |
| Earnings coverage of net charge-offs (x) | 81.9730% | 975 |
| Efficiency ratio | 51.1201% | 4,115 |
| Assets per employee ($millions) | 6.1510% | 2,546 |
| Cash dividends to net income (ytd only)* | 29.5518% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 2,435 |
| Loan loss allowance to noncurrent loans | 520.4013% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.1804% | 2,909 |
| Noncurrent loans to loans | 0.2521% | 2,926 |
| Net loans and leases to total assets | 53.6127% | 3,017 |
| Net loans and leases to deposits | 69.3044% | 2,304 |
| Net loans and leases to core deposits | 72.5746% | 2,370 |
| Total domestic deposits to total assets | 77.3583% | 4,471 |
| Equity capital to assets | 13.7971% | 782 |
| Core capital (leverage) ratio | 13.6988% | 698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $431,902,750 | 1,909 |
| Average earning assets | $403,119,750 | 1,908 |
| Average equity | $59,012,750 | 1,552 |
| Average total loans | $237,787,000 | 2,041 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4914% | 2,915 |
| Cost of funding earning assets | 0.5661% | 884 |
| Net interest margin | 2.9252% | 3,515 |
| Noninterest income to average assets | 1.0811% | 955 |
| Noninterest expense to average assets | 1.8792% | 4,016 |
| Loan and lease loss provision to assets | -0.1162% | 4,654 |
| Net operating income to assets | 1.9764% | 502 |
| Return on assets (ROA) | 1.9786% | 532 |
| Pretax return on assets | 2.0535% | 750 |
| Return on Equity (ROE) | 14.5293% | 1,277 |
| Retained earnings to average equity (ytd only) | 10.4337% | 1,280 |
| Net charge-offs to loans | -0.0025% | 3,248 |
| Credit loss provision to net charge-offs | 8,333.3333% | 74 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2688% | 4,293 |
| Assets per employee ($millions) | 6.2172% | 2,415 |
| Cash dividends to net income (ytd only)* | 28.1889% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 2,408 |
| Loan loss allowance to noncurrent loans | 339.6166% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.2158% | 2,856 |
| Noncurrent loans to loans | 0.3845% | 2,526 |
| Net loans and leases to total assets | 55.3883% | 2,969 |
| Net loans and leases to deposits | 71.6563% | 2,243 |
| Net loans and leases to core deposits | 74.9973% | 2,329 |
| Total domestic deposits to total assets | 77.2972% | 4,493 |
| Equity capital to assets | 13.7040% | 782 |
| Core capital (leverage) ratio | 13.3548% | 736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $430,296,667 | 1,906 |
| Average earning assets | $402,018,667 | 1,904 |
| Average equity | $58,598,667 | 1,559 |
| Average total loans | $237,966,000 | 2,050 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4948% | 2,941 |
| Cost of funding earning assets | 0.5920% | 909 |
| Net interest margin | 2.9028% | 3,511 |
| Noninterest income to average assets | 0.8442% | 1,480 |
| Noninterest expense to average assets | 1.9886% | 3,756 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5015% | 1,328 |
| Return on assets (ROA) | 1.5015% | 1,389 |
| Pretax return on assets | 1.5604% | 1,827 |
| Return on Equity (ROE) | 11.0610% | 2,348 |
| Retained earnings to average equity (ytd only) | 11.0610% | 1,386 |
| Net charge-offs to loans | -0.0051% | 3,404 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0327% | 3,543 |
| Assets per employee ($millions) | 6.4618% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4555% | 1,751 |
| Loan loss allowance to noncurrent loans | 293.6806% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.4324% | 2,098 |
| Noncurrent loans to loans | 0.4956% | 2,365 |
| Net loans and leases to total assets | 52.9883% | 3,352 |
| Net loans and leases to deposits | 68.0939% | 2,695 |
| Net loans and leases to core deposits | 71.9484% | 2,708 |
| Total domestic deposits to total assets | 77.8165% | 4,455 |
| Equity capital to assets | 13.1678% | 867 |
| Core capital (leverage) ratio | 13.4886% | 743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $427,844,000 | 1,910 |
| Average earning assets | $398,654,000 | 1,908 |
| Average equity | $58,078,000 | 1,561 |
| Average total loans | $234,829,000 | 2,067 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1181% | 2,372 |
| Cost of funding earning assets | 0.7697% | 1,346 |
| Net interest margin | 3.3483% | 2,930 |
| Noninterest income to average assets | 0.9287% | 1,199 |
| Noninterest expense to average assets | 2.1567% | 3,799 |
| Loan and lease loss provision to assets | 0.0643% | 3,574 |
| Net operating income to assets | 1.7609% | 421 |
| Return on assets (ROA) | 1.7629% | 454 |
| Pretax return on assets | 1.8257% | 648 |
| Return on Equity (ROE) | 12.2878% | 1,238 |
| Retained earnings to average equity (ytd only) | 7.4438% | 1,215 |
| Net charge-offs to loans | -0.0281% | 4,511 |
| Credit loss provision to net charge-offs | -384.6154% | 3,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3219% | 4,279 |
| Assets per employee ($millions) | 6.1219% | 2,237 |
| Cash dividends to net income (ytd only)* | 39.4218% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4722% | 1,684 |
| Loan loss allowance to noncurrent loans | 280.9485% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.4689% | 2,152 |
| Noncurrent loans to loans | 0.5240% | 2,404 |
| Net loans and leases to total assets | 55.2388% | 3,370 |
| Net loans and leases to deposits | 72.2071% | 2,662 |
| Net loans and leases to core deposits | 78.5182% | 2,508 |
| Total domestic deposits to total assets | 76.5005% | 4,469 |
| Equity capital to assets | 14.0040% | 797 |
| Core capital (leverage) ratio | 13.4785% | 792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $388,514,000 | 1,894 |
| Average earning assets | $361,552,600 | 1,899 |
| Average equity | $55,738,000 | 1,536 |
| Average total loans | $231,684,200 | 2,024 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2470% | 2,256 |
| Cost of funding earning assets | 0.8016% | 1,491 |
| Net interest margin | 3.4454% | 2,767 |
| Noninterest income to average assets | 0.9068% | 1,203 |
| Noninterest expense to average assets | 2.0972% | 3,953 |
| Loan and lease loss provision to assets | 0.0873% | 3,221 |
| Net operating income to assets | 1.8691% | 391 |
| Return on assets (ROA) | 1.8712% | 434 |
| Pretax return on assets | 1.9337% | 590 |
| Return on Equity (ROE) | 12.9583% | 1,120 |
| Retained earnings to average equity (ytd only) | 8.6026% | 1,110 |
| Net charge-offs to loans | -0.2029% | 4,929 |
| Credit loss provision to net charge-offs | -71.0227% | 3,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9508% | 4,422 |
| Assets per employee ($millions) | 5.9430% | 2,313 |
| Cash dividends to net income (ytd only)* | 33.6134% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6017% | 1,098 |
| Loan loss allowance to noncurrent loans | 276.8030% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.5909% | 1,959 |
| Noncurrent loans to loans | 0.5786% | 2,352 |
| Net loans and leases to total assets | 56.5971% | 3,564 |
| Net loans and leases to deposits | 75.3947% | 2,807 |
| Net loans and leases to core deposits | 82.0154% | 2,660 |
| Total domestic deposits to total assets | 75.0677% | 4,498 |
| Equity capital to assets | 14.3459% | 773 |
| Core capital (leverage) ratio | 13.6541% | 796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $381,570,250 | 1,901 |
| Average earning assets | $355,445,000 | 1,901 |
| Average equity | $55,098,250 | 1,547 |
| Average total loans | $231,258,000 | 2,029 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3233% | 2,413 |
| Cost of funding earning assets | 0.8360% | 1,649 |
| Net interest margin | 3.4874% | 2,831 |
| Noninterest income to average assets | 0.7432% | 1,600 |
| Noninterest expense to average assets | 2.0580% | 4,119 |
| Loan and lease loss provision to assets | 0.1337% | 2,672 |
| Net operating income to assets | 1.7330% | 581 |
| Return on assets (ROA) | 1.7345% | 629 |
| Pretax return on assets | 1.8030% | 810 |
| Return on Equity (ROE) | 11.9839% | 1,337 |
| Retained earnings to average equity (ytd only) | 7.5509% | 1,443 |
| Net charge-offs to loans | 0.1317% | 1,058 |
| Credit loss provision to net charge-offs | 164.4737% | 2,060 |
| Earnings coverage of net charge-offs (x) | 23.8092% | 1,589 |
| Efficiency ratio | 51.5399% | 4,394 |
| Assets per employee ($millions) | 5.6925% | 2,453 |
| Cash dividends to net income (ytd only)* | 36.9914% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 1,751 |
| Loan loss allowance to noncurrent loans | 172.6005% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.6741% | 1,818 |
| Noncurrent loans to loans | 0.7848% | 1,931 |
| Net loans and leases to total assets | 58.8261% | 3,440 |
| Net loans and leases to deposits | 77.9904% | 2,654 |
| Net loans and leases to core deposits | 84.7664% | 2,550 |
| Total domestic deposits to total assets | 75.4274% | 4,482 |
| Equity capital to assets | 14.1472% | 822 |
| Core capital (leverage) ratio | 13.7152% | 817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $374,052,667 | 1,910 |
| Average earning assets | $348,574,000 | 1,904 |
| Average equity | $54,139,333 | 1,551 |
| Average total loans | $230,862,333 | 2,008 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4945% | 2,324 |
| Cost of funding earning assets | 0.8737% | 1,994 |
| Net interest margin | 3.6207% | 2,602 |
| Noninterest income to average assets | 0.6821% | 1,720 |
| Noninterest expense to average assets | 2.2485% | 3,891 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7433% | 464 |
| Return on assets (ROA) | 1.7422% | 512 |
| Pretax return on assets | 1.8041% | 690 |
| Return on Equity (ROE) | 11.8893% | 1,130 |
| Retained earnings to average equity (ytd only) | 11.8893% | 435 |
| Net charge-offs to loans | 0.1020% | 1,071 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 28.1552% | 1,217 |
| Efficiency ratio | 55.4677% | 4,263 |
| Assets per employee ($millions) | 5.2847% | 2,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3516% | 1,903 |
| Loan loss allowance to noncurrent loans | 142.2006% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.5907% | 2,228 |
| Noncurrent loans to loans | 0.9505% | 1,731 |
| Net loans and leases to total assets | 61.3072% | 3,373 |
| Net loans and leases to deposits | 80.5817% | 2,621 |
| Net loans and leases to core deposits | 88.7365% | 2,466 |
| Total domestic deposits to total assets | 76.0808% | 4,477 |
| Equity capital to assets | 14.8364% | 793 |
| Core capital (leverage) ratio | 14.5557% | 784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $361,841,000 | 1,916 |
| Average earning assets | $336,947,000 | 1,908 |
| Average equity | $53,022,500 | 1,571 |
| Average total loans | $227,480,000 | 2,003 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7009% | 2,324 |
| Cost of funding earning assets | 0.8672% | 2,347 |
| Net interest margin | 3.8337% | 2,391 |
| Noninterest income to average assets | 0.7003% | 1,820 |
| Noninterest expense to average assets | 2.3621% | 3,800 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.8399% | 489 |
| Return on assets (ROA) | 1.8740% | 477 |
| Pretax return on assets | 1.9503% | 666 |
| Return on Equity (ROE) | 13.2688% | 1,092 |
| Retained earnings to average equity (ytd only) | 7.8017% | 1,043 |
| Net charge-offs to loans | -0.1176% | 4,976 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2287% | 4,300 |
| Assets per employee ($millions) | 5.2800% | 2,265 |
| Cash dividends to net income (ytd only)* | 41.2025% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3668% | 1,644 |
| Loan loss allowance to noncurrent loans | 354.6591% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 3,463 |
| Noncurrent loans to loans | 0.3854% | 3,057 |
| Net loans and leases to total assets | 62.7296% | 3,335 |
| Net loans and leases to deposits | 82.0622% | 2,552 |
| Net loans and leases to core deposits | 89.7228% | 2,452 |
| Total domestic deposits to total assets | 76.4415% | 4,555 |
| Equity capital to assets | 14.4678% | 941 |
| Core capital (leverage) ratio | 14.4334% | 818 |
| Tier 1 risk-based capital ratio | 19.2146% | 1,475 |
| Total risk-based capital ratio | 20.3853% | 1,460 |
| Memoranda: | ||
| Average total assets | $349,686,200 | 1,909 |
| Average earning assets | $326,234,400 | 1,896 |
| Average equity | $49,386,400 | 1,619 |
| Average total loans | $224,439,000 | 1,995 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5595% | 2,863 |
| Cost of funding earning assets | 0.8586% | 2,420 |
| Net interest margin | 3.7009% | 2,915 |
| Noninterest income to average assets | 0.6963% | 1,804 |
| Noninterest expense to average assets | 2.3403% | 3,850 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.7381% | 692 |
| Return on assets (ROA) | 1.7381% | 729 |
| Pretax return on assets | 1.8106% | 1,069 |
| Return on Equity (ROE) | 12.3848% | 1,487 |
| Retained earnings to average equity (ytd only) | 6.8461% | 1,933 |
| Net charge-offs to loans | -0.1551% | 5,072 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3806% | 4,128 |
| Assets per employee ($millions) | 5.2897% | 2,239 |
| Cash dividends to net income (ytd only)* | 44.7217% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 1,619 |
| Loan loss allowance to noncurrent loans | 271.5157% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.3294% | 3,222 |
| Noncurrent loans to loans | 0.5120% | 2,756 |
| Net loans and leases to total assets | 63.3295% | 3,354 |
| Net loans and leases to deposits | 83.1405% | 2,552 |
| Net loans and leases to core deposits | 90.9743% | 2,467 |
| Total domestic deposits to total assets | 76.1716% | 4,631 |
| Equity capital to assets | 14.5189% | 974 |
| Core capital (leverage) ratio | 14.2422% | 920 |
| Tier 1 risk-based capital ratio | 19.1154% | 1,540 |
| Total risk-based capital ratio | 20.3101% | 1,528 |
| Memoranda: | ||
| Average total assets | $347,348,250 | 1,929 |
| Average earning assets | $324,239,750 | 1,919 |
| Average equity | $48,746,750 | 1,641 |
| Average total loans | $223,462,750 | 2,013 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5305% | 2,914 |
| Cost of funding earning assets | 0.8410% | 2,442 |
| Net interest margin | 3.6895% | 2,963 |
| Noninterest income to average assets | 0.6719% | 1,825 |
| Noninterest expense to average assets | 2.2950% | 4,013 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7540% | 655 |
| Return on assets (ROA) | 1.7540% | 684 |
| Pretax return on assets | 1.8209% | 987 |
| Return on Equity (ROE) | 12.6446% | 1,350 |
| Retained earnings to average equity (ytd only) | 7.0312% | 1,789 |
| Net charge-offs to loans | -0.2258% | 5,144 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7595% | 4,276 |
| Assets per employee ($millions) | 4.9520% | 2,533 |
| Cash dividends to net income (ytd only)* | 44.3933% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3920% | 1,648 |
| Loan loss allowance to noncurrent loans | 264.3707% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.3441% | 3,157 |
| Noncurrent loans to loans | 0.5265% | 2,701 |
| Net loans and leases to total assets | 62.6419% | 3,479 |
| Net loans and leases to deposits | 81.8264% | 2,748 |
| Net loans and leases to core deposits | 89.8728% | 2,612 |
| Total domestic deposits to total assets | 76.5546% | 4,616 |
| Equity capital to assets | 14.1505% | 1,071 |
| Core capital (leverage) ratio | 14.0489% | 945 |
| Tier 1 risk-based capital ratio | 18.8531% | 1,587 |
| Total risk-based capital ratio | 20.0477% | 1,566 |
| Memoranda: | ||
| Average total assets | $346,758,670 | 1,946 |
| Average earning assets | $323,672,670 | 1,933 |
| Average equity | $48,099,670 | 1,653 |
| Average total loans | $223,213,330 | 2,030 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5003% | 2,863 |
| Cost of funding earning assets | 0.8120% | 2,468 |
| Net interest margin | 3.6883% | 2,941 |
| Noninterest income to average assets | 0.6401% | 1,862 |
| Noninterest expense to average assets | 2.1409% | 4,392 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8853% | 469 |
| Return on assets (ROA) | 1.8853% | 487 |
| Pretax return on assets | 1.9341% | 737 |
| Return on Equity (ROE) | 13.7329% | 1,024 |
| Retained earnings to average equity (ytd only) | 13.7329% | 376 |
| Net charge-offs to loans | -0.0179% | 4,443 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5371% | 4,655 |
| Assets per employee ($millions) | 5.0273% | 2,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2865% | 2,157 |
| Loan loss allowance to noncurrent loans | 322.4972% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.2661% | 3,553 |
| Noncurrent loans to loans | 0.3989% | 3,159 |
| Net loans and leases to total assets | 63.4169% | 3,355 |
| Net loans and leases to deposits | 82.8773% | 2,518 |
| Net loans and leases to core deposits | 90.1921% | 2,484 |
| Total domestic deposits to total assets | 76.5190% | 4,708 |
| Equity capital to assets | 14.0422% | 1,023 |
| Core capital (leverage) ratio | 14.2438% | 882 |
| Tier 1 risk-based capital ratio | 18.9383% | 1,557 |
| Total risk-based capital ratio | 20.0465% | 1,550 |
| Memoranda: | ||
| Average total assets | $344,342,000 | 1,970 |
| Average earning assets | $320,691,500 | 1,958 |
| Average equity | $47,273,500 | 1,662 |
| Average total loans | $223,143,500 | 2,043 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3454% | 2,942 |
| Cost of funding earning assets | 0.7306% | 1,901 |
| Net interest margin | 3.6148% | 3,326 |
| Noninterest income to average assets | 0.7169% | 1,784 |
| Noninterest expense to average assets | 2.3833% | 3,929 |
| Loan and lease loss provision to assets | -0.1504% | 5,301 |
| Net operating income to assets | 1.7792% | 581 |
| Return on assets (ROA) | 1.7792% | 575 |
| Pretax return on assets | 1.8493% | 811 |
| Return on Equity (ROE) | 13.4205% | 1,203 |
| Retained earnings to average equity (ytd only) | 7.9742% | 1,248 |
| Net charge-offs to loans | -0.0024% | 4,254 |
| Credit loss provision to net charge-offs | 10,000.0000% | 45 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3831% | 4,102 |
| Assets per employee ($millions) | 5.0265% | 2,464 |
| Cash dividends to net income (ytd only)* | 40.5817% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 2,150 |
| Loan loss allowance to noncurrent loans | 566.8651% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.1577% | 4,036 |
| Noncurrent loans to loans | 0.2256% | 3,771 |
| Net loans and leases to total assets | 64.5348% | 3,297 |
| Net loans and leases to deposits | 84.5018% | 2,457 |
| Net loans and leases to core deposits | 91.0171% | 2,494 |
| Total domestic deposits to total assets | 76.3710% | 4,709 |
| Equity capital to assets | 13.4105% | 1,178 |
| Core capital (leverage) ratio | 13.9719% | 931 |
| Tier 1 risk-based capital ratio | 18.5192% | 1,616 |
| Total risk-based capital ratio | 19.6360% | 1,601 |
| Memoranda: | ||
| Average total assets | $332,392,400 | 1,976 |
| Average earning assets | $309,452,200 | 1,975 |
| Average equity | $44,067,000 | 1,694 |
| Average total loans | $209,538,800 | 2,098 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2627% | 3,109 |
| Cost of funding earning assets | 0.7088% | 1,798 |
| Net interest margin | 3.5539% | 3,509 |
| Noninterest income to average assets | 0.7179% | 1,795 |
| Noninterest expense to average assets | 2.2922% | 4,118 |
| Loan and lease loss provision to assets | -0.1212% | 5,364 |
| Net operating income to assets | 1.7852% | 615 |
| Return on assets (ROA) | 1.7852% | 618 |
| Pretax return on assets | 1.8587% | 883 |
| Return on Equity (ROE) | 13.5058% | 1,263 |
| Retained earnings to average equity (ytd only) | 8.0045% | 1,654 |
| Net charge-offs to loans | 0.0039% | 3,330 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,850 |
| Earnings coverage of net charge-offs (x) | 716.8150% | 123 |
| Efficiency ratio | 56.8822% | 4,269 |
| Assets per employee ($millions) | 4.9828% | 2,489 |
| Cash dividends to net income (ytd only)* | 40.7332% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 1,658 |
| Loan loss allowance to noncurrent loans | 415.5525% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 3,548 |
| Noncurrent loans to loans | 0.3393% | 3,445 |
| Net loans and leases to total assets | 63.8029% | 3,451 |
| Net loans and leases to deposits | 82.5498% | 2,760 |
| Net loans and leases to core deposits | 88.6911% | 2,778 |
| Total domestic deposits to total assets | 77.2902% | 4,600 |
| Equity capital to assets | 13.1872% | 1,260 |
| Core capital (leverage) ratio | 13.7472% | 1,012 |
| Tier 1 risk-based capital ratio | 18.5564% | 1,646 |
| Total risk-based capital ratio | 19.7725% | 1,620 |
| Memoranda: | ||
| Average total assets | $330,040,500 | 2,001 |
| Average earning assets | $307,556,500 | 1,993 |
| Average equity | $43,624,500 | 1,713 |
| Average total loans | $206,064,250 | 2,139 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1445% | 3,298 |
| Cost of funding earning assets | 0.6703% | 1,812 |
| Net interest margin | 3.4742% | 3,721 |
| Noninterest income to average assets | 0.7050% | 1,853 |
| Noninterest expense to average assets | 2.3129% | 4,115 |
| Loan and lease loss provision to assets | -0.1825% | 5,467 |
| Net operating income to assets | 1.7502% | 652 |
| Return on assets (ROA) | 1.7502% | 655 |
| Pretax return on assets | 1.8158% | 926 |
| Return on Equity (ROE) | 13.2303% | 1,287 |
| Retained earnings to average equity (ytd only) | 7.7119% | 1,750 |
| Net charge-offs to loans | 0.0335% | 2,177 |
| Credit loss provision to net charge-offs | -882.3529% | 4,482 |
| Earnings coverage of net charge-offs (x) | 78.9706% | 830 |
| Efficiency ratio | 58.6095% | 4,136 |
| Assets per employee ($millions) | 4.7604% | 2,734 |
| Cash dividends to net income (ytd only)* | 41.7101% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4619% | 1,517 |
| Loan loss allowance to noncurrent loans | 152.4242% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.5993% | 2,423 |
| Noncurrent loans to loans | 0.9591% | 1,809 |
| Net loans and leases to total assets | 61.0451% | 3,707 |
| Net loans and leases to deposits | 78.6499% | 3,092 |
| Net loans and leases to core deposits | 85.0553% | 3,005 |
| Total domestic deposits to total assets | 77.6163% | 4,650 |
| Equity capital to assets | 13.1246% | 1,248 |
| Core capital (leverage) ratio | 13.7434% | 980 |
| Tier 1 risk-based capital ratio | 18.6977% | 1,623 |
| Total risk-based capital ratio | 19.9369% | 1,594 |
| Memoranda: | ||
| Average total assets | $328,771,670 | 2,013 |
| Average earning assets | $306,722,330 | 2,011 |
| Average equity | $43,491,000 | 1,724 |
| Average total loans | $202,735,670 | 2,164 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1055% | 3,221 |
| Cost of funding earning assets | 0.6407% | 1,774 |
| Net interest margin | 3.4648% | 3,659 |
| Noninterest income to average assets | 0.7092% | 1,788 |
| Noninterest expense to average assets | 2.1755% | 4,479 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6904% | 696 |
| Return on assets (ROA) | 1.6904% | 704 |
| Pretax return on assets | 1.7664% | 972 |
| Return on Equity (ROE) | 12.7280% | 1,340 |
| Retained earnings to average equity (ytd only) | 12.7280% | 561 |
| Net charge-offs to loans | -0.1274% | 5,284 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1896% | 4,674 |
| Assets per employee ($millions) | 4.8619% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7101% | 927 |
| Loan loss allowance to noncurrent loans | 252.8497% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.4295% | 3,123 |
| Noncurrent loans to loans | 0.6763% | 2,522 |
| Net loans and leases to total assets | 60.2741% | 3,727 |
| Net loans and leases to deposits | 75.7509% | 3,240 |
| Net loans and leases to core deposits | 82.1370% | 3,130 |
| Total domestic deposits to total assets | 79.5688% | 4,483 |
| Equity capital to assets | 13.3690% | 1,084 |
| Core capital (leverage) ratio | 13.8273% | 912 |
| Tier 1 risk-based capital ratio | 19.2406% | 1,495 |
| Total risk-based capital ratio | 20.4932% | 1,453 |
| Memoranda: | ||
| Average total assets | $326,543,000 | 2,038 |
| Average earning assets | $304,666,500 | 2,029 |
| Average equity | $43,369,000 | 1,733 |
| Average total loans | $200,884,500 | 2,188 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1272% | 2,964 |
| Cost of funding earning assets | 0.6076% | 1,545 |
| Net interest margin | 3.5196% | 3,464 |
| Noninterest income to average assets | 0.7325% | 1,835 |
| Noninterest expense to average assets | 2.4074% | 4,055 |
| Loan and lease loss provision to assets | -0.2182% | 5,587 |
| Net operating income to assets | 1.7811% | 442 |
| Return on assets (ROA) | 1.7811% | 451 |
| Pretax return on assets | 1.8245% | 744 |
| Return on Equity (ROE) | 13.5588% | 839 |
| Retained earnings to average equity (ytd only) | 7.8638% | 811 |
| Net charge-offs to loans | 0.0324% | 3,138 |
| Credit loss provision to net charge-offs | -1,111.1111% | 5,080 |
| Earnings coverage of net charge-offs (x) | 81.7937% | 756 |
| Efficiency ratio | 59.9798% | 4,268 |
| Assets per employee ($millions) | 4.8138% | 2,718 |
| Cash dividends to net income (ytd only)* | 42.0021% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6593% | 1,012 |
| Loan loss allowance to noncurrent loans | 266.2431% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.3904% | 3,298 |
| Noncurrent loans to loans | 0.6232% | 2,664 |
| Net loans and leases to total assets | 60.6894% | 3,770 |
| Net loans and leases to deposits | 76.6805% | 3,259 |
| Net loans and leases to core deposits | 82.8192% | 3,168 |
| Total domestic deposits to total assets | 79.1458% | 4,512 |
| Equity capital to assets | 13.1940% | 1,169 |
| Core capital (leverage) ratio | 13.4873% | 968 |
| Tier 1 risk-based capital ratio | 18.5987% | 1,619 |
| Total risk-based capital ratio | 19.8510% | 1,567 |
| Memoranda: | ||
| Average total assets | $320,808,000 | 2,062 |
| Average earning assets | $299,067,800 | 2,044 |
| Average equity | $42,142,400 | 1,766 |
| Average total loans | $194,480,200 | 2,204 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0868% | 3,029 |
| Cost of funding earning assets | 0.6025% | 1,515 |
| Net interest margin | 3.4844% | 3,556 |
| Noninterest income to average assets | 0.7218% | 1,898 |
| Noninterest expense to average assets | 2.2938% | 4,315 |
| Loan and lease loss provision to assets | -0.1253% | 5,617 |
| Net operating income to assets | 1.7432% | 533 |
| Return on assets (ROA) | 1.7432% | 545 |
| Pretax return on assets | 1.8029% | 888 |
| Return on Equity (ROE) | 13.2850% | 988 |
| Retained earnings to average equity (ytd only) | 7.5546% | 1,409 |
| Net charge-offs to loans | 0.0388% | 2,663 |
| Credit loss provision to net charge-offs | -535.7143% | 4,820 |
| Earnings coverage of net charge-offs (x) | 71.7189% | 876 |
| Efficiency ratio | 57.7574% | 4,537 |
| Assets per employee ($millions) | 4.7746% | 2,734 |
| Cash dividends to net income (ytd only)* | 43.1344% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9586% | 613 |
| Loan loss allowance to noncurrent loans | 299.0453% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 3,433 |
| Noncurrent loans to loans | 0.6550% | 2,743 |
| Net loans and leases to total assets | 58.8184% | 3,979 |
| Net loans and leases to deposits | 75.1293% | 3,456 |
| Net loans and leases to core deposits | 80.5534% | 3,405 |
| Total domestic deposits to total assets | 78.2896% | 4,675 |
| Equity capital to assets | 13.5893% | 1,125 |
| Core capital (leverage) ratio | 13.4329% | 1,051 |
| Tier 1 risk-based capital ratio | 19.1505% | 1,544 |
| Total risk-based capital ratio | 20.4057% | 1,508 |
| Memoranda: | ||
| Average total assets | $319,175,250 | 2,081 |
| Average earning assets | $297,666,000 | 2,065 |
| Average equity | $41,880,750 | 1,796 |
| Average total loans | $192,597,250 | 2,238 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0590% | 2,977 |
| Cost of funding earning assets | 0.5875% | 1,529 |
| Net interest margin | 3.4715% | 3,501 |
| Noninterest income to average assets | 0.7092% | 1,948 |
| Noninterest expense to average assets | 2.3158% | 4,301 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5721% | 749 |
| Return on assets (ROA) | 1.5721% | 770 |
| Pretax return on assets | 1.6317% | 1,247 |
| Return on Equity (ROE) | 12.1257% | 1,264 |
| Retained earnings to average equity (ytd only) | 6.3216% | 1,954 |
| Net charge-offs to loans | 0.1099% | 1,533 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 24.5472% | 1,636 |
| Efficiency ratio | 58.6656% | 4,510 |
| Assets per employee ($millions) | 4.6544% | 2,856 |
| Cash dividends to net income (ytd only)* | 47.8660% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0722% | 533 |
| Loan loss allowance to noncurrent loans | 376.7857% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.3509% | 3,717 |
| Noncurrent loans to loans | 0.5500% | 3,095 |
| Net loans and leases to total assets | 58.9911% | 3,924 |
| Net loans and leases to deposits | 76.6551% | 3,266 |
| Net loans and leases to core deposits | 80.8467% | 3,357 |
| Total domestic deposits to total assets | 76.9566% | 4,965 |
| Equity capital to assets | 13.2519% | 1,251 |
| Core capital (leverage) ratio | 13.0926% | 1,137 |
| Tier 1 risk-based capital ratio | 18.5774% | 1,699 |
| Total risk-based capital ratio | 19.8340% | 1,657 |
| Memoranda: | ||
| Average total assets | $318,934,330 | 2,088 |
| Average earning assets | $297,508,330 | 2,075 |
| Average equity | $41,350,330 | 1,815 |
| Average total loans | $192,823,670 | 2,235 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0155% | 2,977 |
| Cost of funding earning assets | 0.5698% | 1,585 |
| Net interest margin | 3.4457% | 3,466 |
| Noninterest income to average assets | 0.6985% | 1,979 |
| Noninterest expense to average assets | 2.1836% | 4,691 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6827% | 573 |
| Return on assets (ROA) | 1.6827% | 586 |
| Pretax return on assets | 1.7343% | 929 |
| Return on Equity (ROE) | 13.1252% | 973 |
| Retained earnings to average equity (ytd only) | 13.1252% | 368 |
| Net charge-offs to loans | 0.2182% | 814 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 13.1238% | 1,805 |
| Efficiency ratio | 55.7340% | 4,961 |
| Assets per employee ($millions) | 4.6920% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0841% | 572 |
| Loan loss allowance to noncurrent loans | 124.6503% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 1.0255% | 1,777 |
| Noncurrent loans to loans | 1.6720% | 1,153 |
| Net loans and leases to total assets | 59.0494% | 3,880 |
| Net loans and leases to deposits | 74.1871% | 3,383 |
| Net loans and leases to core deposits | 77.7824% | 3,492 |
| Total domestic deposits to total assets | 79.5952% | 4,699 |
| Equity capital to assets | 13.0659% | 1,229 |
| Core capital (leverage) ratio | 13.2091% | 1,067 |
| Tier 1 risk-based capital ratio | 18.6025% | 1,717 |
| Total risk-based capital ratio | 19.8590% | 1,673 |
| Memoranda: | ||
| Average total assets | $317,824,000 | 2,105 |
| Average earning assets | $296,949,000 | 2,088 |
| Average equity | $40,746,000 | 1,841 |
| Average total loans | $192,504,500 | 2,247 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0961% | 2,865 |
| Cost of funding earning assets | 0.5549% | 1,645 |
| Net interest margin | 3.5412% | 3,280 |
| Noninterest income to average assets | 0.7444% | 1,978 |
| Noninterest expense to average assets | 2.3750% | 4,357 |
| Loan and lease loss provision to assets | -0.0316% | 5,541 |
| Net operating income to assets | 1.6436% | 621 |
| Return on assets (ROA) | 1.6436% | 644 |
| Pretax return on assets | 1.7099% | 978 |
| Return on Equity (ROE) | 12.8245% | 1,035 |
| Retained earnings to average equity (ytd only) | 6.9078% | 1,272 |
| Net charge-offs to loans | 0.0246% | 3,553 |
| Credit loss provision to net charge-offs | -212.7660% | 5,015 |
| Earnings coverage of net charge-offs (x) | 113.0213% | 540 |
| Efficiency ratio | 58.5938% | 4,778 |
| Assets per employee ($millions) | 4.5883% | 2,986 |
| Cash dividends to net income (ytd only)* | 46.1361% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1366% | 514 |
| Loan loss allowance to noncurrent loans | 115.9155% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 1.1289% | 1,640 |
| Noncurrent loans to loans | 1.8432% | 1,023 |
| Net loans and leases to total assets | 59.5351% | 3,901 |
| Net loans and leases to deposits | 74.0263% | 3,511 |
| Net loans and leases to core deposits | 77.1575% | 3,639 |
| Total domestic deposits to total assets | 80.4242% | 4,471 |
| Equity capital to assets | 12.5728% | 1,474 |
| Core capital (leverage) ratio | 12.7687% | 1,224 |
| Tier 1 risk-based capital ratio | 17.9977% | 1,847 |
| Total risk-based capital ratio | 19.2548% | 1,809 |
| Memoranda: | ||
| Average total assets | $316,505,600 | 2,081 |
| Average earning assets | $295,743,800 | 2,070 |
| Average equity | $40,563,000 | 1,827 |
| Average total loans | $190,773,800 | 2,203 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0909% | 2,908 |
| Cost of funding earning assets | 0.5490% | 1,701 |
| Net interest margin | 3.5419% | 3,311 |
| Noninterest income to average assets | 0.7301% | 2,046 |
| Noninterest expense to average assets | 2.2665% | 4,610 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.7071% | 584 |
| Return on assets (ROA) | 1.7071% | 621 |
| Pretax return on assets | 1.7740% | 940 |
| Return on Equity (ROE) | 13.2569% | 978 |
| Retained earnings to average equity (ytd only) | 7.3679% | 1,453 |
| Net charge-offs to loans | -0.0294% | 5,158 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0943% | 5,056 |
| Assets per employee ($millions) | 4.7732% | 2,646 |
| Cash dividends to net income (ytd only)* | 44.4225% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2320% | 487 |
| Loan loss allowance to noncurrent loans | 103.4864% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 1.3083% | 1,464 |
| Noncurrent loans to loans | 2.1568% | 875 |
| Net loans and leases to total assets | 58.9493% | 3,997 |
| Net loans and leases to deposits | 74.4416% | 3,552 |
| Net loans and leases to core deposits | 78.6523% | 3,595 |
| Total domestic deposits to total assets | 79.1887% | 4,677 |
| Equity capital to assets | 13.1132% | 1,435 |
| Core capital (leverage) ratio | 12.5342% | 1,388 |
| Tier 1 risk-based capital ratio | 17.8187% | 1,970 |
| Total risk-based capital ratio | 19.0769% | 1,930 |
| Memoranda: | ||
| Average total assets | $316,483,250 | 2,082 |
| Average earning assets | $295,806,000 | 2,070 |
| Average equity | $40,752,500 | 1,834 |
| Average total loans | $190,317,250 | 2,209 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0688% | 2,995 |
| Cost of funding earning assets | 0.5378% | 1,794 |
| Net interest margin | 3.5310% | 3,366 |
| Noninterest income to average assets | 0.7172% | 2,061 |
| Noninterest expense to average assets | 2.2697% | 4,684 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6894% | 591 |
| Return on assets (ROA) | 1.6894% | 627 |
| Pretax return on assets | 1.7497% | 979 |
| Return on Equity (ROE) | 13.2020% | 979 |
| Retained earnings to average equity (ytd only) | 7.2551% | 1,485 |
| Net charge-offs to loans | -0.0264% | 5,068 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4689% | 5,093 |
| Assets per employee ($millions) | 4.5302% | 2,968 |
| Cash dividends to net income (ytd only)* | 45.0450% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2120% | 535 |
| Loan loss allowance to noncurrent loans | 113.7437% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 1.1799% | 1,769 |
| Noncurrent loans to loans | 1.9447% | 1,029 |
| Net loans and leases to total assets | 58.9225% | 4,019 |
| Net loans and leases to deposits | 74.2831% | 3,556 |
| Net loans and leases to core deposits | 78.3542% | 3,619 |
| Total domestic deposits to total assets | 79.3215% | 4,713 |
| Equity capital to assets | 12.9516% | 1,531 |
| Core capital (leverage) ratio | 12.3598% | 1,429 |
| Tier 1 risk-based capital ratio | 17.3949% | 2,099 |
| Total risk-based capital ratio | 18.6531% | 2,062 |
| Memoranda: | ||
| Average total assets | $315,375,330 | 2,096 |
| Average earning assets | $294,928,000 | 2,087 |
| Average equity | $40,357,670 | 1,839 |
| Average total loans | $189,480,330 | 2,216 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0704% | 2,963 |
| Cost of funding earning assets | 0.5282% | 1,881 |
| Net interest margin | 3.5423% | 3,311 |
| Noninterest income to average assets | 0.7200% | 1,940 |
| Noninterest expense to average assets | 2.2009% | 4,904 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7781% | 487 |
| Return on assets (ROA) | 1.7781% | 519 |
| Pretax return on assets | 1.8268% | 812 |
| Return on Equity (ROE) | 13.9822% | 835 |
| Retained earnings to average equity (ytd only) | 13.9822% | 319 |
| Net charge-offs to loans | -0.0427% | 5,256 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6438% | 5,318 |
| Assets per employee ($millions) | 4.7862% | 2,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2704% | 541 |
| Loan loss allowance to noncurrent loans | 112.7139% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 1.2115% | 1,798 |
| Noncurrent loans to loans | 2.0143% | 1,063 |
| Net loans and leases to total assets | 58.3483% | 4,005 |
| Net loans and leases to deposits | 72.9366% | 3,560 |
| Net loans and leases to core deposits | 77.0156% | 3,587 |
| Total domestic deposits to total assets | 79.9987% | 4,743 |
| Equity capital to assets | 12.8773% | 1,475 |
| Core capital (leverage) ratio | 12.6285% | 1,296 |
| Tier 1 risk-based capital ratio | 17.4990% | 2,122 |
| Total risk-based capital ratio | 18.7574% | 2,090 |
| Memoranda: | ||
| Average total assets | $312,241,500 | 2,120 |
| Average earning assets | $291,565,500 | 2,115 |
| Average equity | $39,707,500 | 1,860 |
| Average total loans | $187,317,000 | 2,236 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0965% | 2,934 |
| Cost of funding earning assets | 0.5486% | 1,774 |
| Net interest margin | 3.5479% | 3,334 |
| Noninterest income to average assets | 0.7155% | 2,123 |
| Noninterest expense to average assets | 2.3840% | 4,551 |
| Loan and lease loss provision to assets | 0.0659% | 2,964 |
| Net operating income to assets | 1.5297% | 809 |
| Return on assets (ROA) | 1.5297% | 843 |
| Pretax return on assets | 1.5814% | 1,305 |
| Return on Equity (ROE) | 12.2404% | 1,243 |
| Retained earnings to average equity (ytd only) | 5.9078% | 1,838 |
| Net charge-offs to loans | 0.0060% | 4,243 |
| Credit loss provision to net charge-offs | 1,818.1818% | 187 |
| Earnings coverage of net charge-offs (x) | 454.1818% | 147 |
| Efficiency ratio | 59.1363% | 5,014 |
| Assets per employee ($millions) | 4.7476% | 2,670 |
| Cash dividends to net income (ytd only)* | 51.7353% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2910% | 521 |
| Loan loss allowance to noncurrent loans | 124.2566% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 1.1296% | 1,941 |
| Noncurrent loans to loans | 1.8437% | 1,172 |
| Net loans and leases to total assets | 58.9039% | 3,984 |
| Net loans and leases to deposits | 72.2027% | 3,696 |
| Net loans and leases to core deposits | 75.1048% | 3,839 |
| Total domestic deposits to total assets | 81.5813% | 4,311 |
| Equity capital to assets | 12.5527% | 1,598 |
| Core capital (leverage) ratio | 12.3195% | 1,440 |
| Tier 1 risk-based capital ratio | 17.2369% | 2,206 |
| Total risk-based capital ratio | 18.4956% | 2,160 |
| Memoranda: | ||
| Average total assets | $303,268,200 | 2,131 |
| Average earning assets | $283,435,800 | 2,113 |
| Average equity | $37,899,200 | 1,890 |
| Average total loans | $182,689,800 | 2,215 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1010% | 2,930 |
| Cost of funding earning assets | 0.5508% | 1,799 |
| Net interest margin | 3.5502% | 3,338 |
| Noninterest income to average assets | 0.7291% | 2,112 |
| Noninterest expense to average assets | 2.2680% | 4,865 |
| Loan and lease loss provision to assets | 0.0883% | 2,391 |
| Net operating income to assets | 1.6405% | 701 |
| Return on assets (ROA) | 1.6405% | 727 |
| Pretax return on assets | 1.6917% | 1,129 |
| Return on Equity (ROE) | 13.1421% | 1,094 |
| Retained earnings to average equity (ytd only) | 6.7744% | 1,799 |
| Net charge-offs to loans | 0.0081% | 3,889 |
| Credit loss provision to net charge-offs | 1,818.1818% | 204 |
| Earnings coverage of net charge-offs (x) | 366.3620% | 204 |
| Efficiency ratio | 56.0271% | 5,351 |
| Assets per employee ($millions) | 4.4978% | 3,012 |
| Cash dividends to net income (ytd only)* | 48.4522% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3707% | 520 |
| Loan loss allowance to noncurrent loans | 100.5426% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.4319% | 1,591 |
| Noncurrent loans to loans | 2.3579% | 887 |
| Net loans and leases to total assets | 58.2428% | 4,109 |
| Net loans and leases to deposits | 71.4125% | 3,833 |
| Net loans and leases to core deposits | 74.5697% | 3,952 |
| Total domestic deposits to total assets | 81.5582% | 4,303 |
| Equity capital to assets | 12.8344% | 1,540 |
| Core capital (leverage) ratio | 12.4281% | 1,452 |
| Tier 1 risk-based capital ratio | 17.7044% | 2,115 |
| Total risk-based capital ratio | 18.9640% | 2,076 |
| Memoranda: | ||
| Average total assets | $301,936,750 | 2,155 |
| Average earning assets | $282,267,250 | 2,133 |
| Average equity | $37,689,750 | 1,914 |
| Average total loans | $181,853,250 | 2,228 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1049% | 2,878 |
| Cost of funding earning assets | 0.5496% | 1,822 |
| Net interest margin | 3.5552% | 3,264 |
| Noninterest income to average assets | 0.7090% | 2,176 |
| Noninterest expense to average assets | 2.2871% | 4,877 |
| Loan and lease loss provision to assets | 0.1324% | 1,654 |
| Net operating income to assets | 1.5801% | 779 |
| Return on assets (ROA) | 1.5801% | 809 |
| Pretax return on assets | 1.6165% | 1,285 |
| Return on Equity (ROE) | 12.7781% | 1,164 |
| Retained earnings to average equity (ytd only) | 6.3543% | 2,030 |
| Net charge-offs to loans | 0.0482% | 2,743 |
| Credit loss provision to net charge-offs | 454.5455% | 670 |
| Earnings coverage of net charge-offs (x) | 60.0455% | 843 |
| Efficiency ratio | 56.6672% | 5,371 |
| Assets per employee ($millions) | 4.3213% | 3,264 |
| Cash dividends to net income (ytd only)* | 50.2723% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2900% | 643 |
| Loan loss allowance to noncurrent loans | 81.4365% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 1.8394% | 1,245 |
| Noncurrent loans to loans | 2.8120% | 736 |
| Net loans and leases to total assets | 59.6518% | 3,884 |
| Net loans and leases to deposits | 72.2705% | 3,693 |
| Net loans and leases to core deposits | 75.3122% | 3,822 |
| Total domestic deposits to total assets | 82.5397% | 4,109 |
| Equity capital to assets | 12.3517% | 1,769 |
| Core capital (leverage) ratio | 12.1216% | 1,586 |
| Tier 1 risk-based capital ratio | 17.1746% | 2,342 |
| Total risk-based capital ratio | 18.4338% | 2,283 |
| Memoranda: | ||
| Average total assets | $302,131,000 | 2,171 |
| Average earning assets | $282,738,330 | 2,147 |
| Average equity | $37,360,670 | 1,931 |
| Average total loans | $182,544,670 | 2,243 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0610% | 2,990 |
| Cost of funding earning assets | 0.5492% | 1,853 |
| Net interest margin | 3.5118% | 3,382 |
| Noninterest income to average assets | 0.6849% | 2,229 |
| Noninterest expense to average assets | 2.1050% | 5,371 |
| Loan and lease loss provision to assets | 0.1987% | 935 |
| Net operating income to assets | 1.6638% | 643 |
| Return on assets (ROA) | 1.6638% | 674 |
| Pretax return on assets | 1.6678% | 1,121 |
| Return on Equity (ROE) | 13.4477% | 995 |
| Retained earnings to average equity (ytd only) | 13.4477% | 401 |
| Net charge-offs to loans | -0.0463% | 5,480 |
| Credit loss provision to net charge-offs | -714.2857% | 4,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0020% | 5,752 |
| Assets per employee ($millions) | 4.6036% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3391% | 673 |
| Loan loss allowance to noncurrent loans | 78.6946% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 1.9040% | 1,274 |
| Noncurrent loans to loans | 2.9723% | 737 |
| Net loans and leases to total assets | 58.3195% | 3,899 |
| Net loans and leases to deposits | 70.8961% | 3,655 |
| Net loans and leases to core deposits | 73.9755% | 3,775 |
| Total domestic deposits to total assets | 82.2604% | 4,431 |
| Equity capital to assets | 12.5591% | 1,656 |
| Core capital (leverage) ratio | 12.1475% | 1,547 |
| Tier 1 risk-based capital ratio | 17.5035% | 2,298 |
| Total risk-based capital ratio | 18.7624% | 2,253 |
| Memoranda: | ||
| Average total assets | $301,950,500 | 2,188 |
| Average earning assets | $282,593,000 | 2,159 |
| Average equity | $37,359,500 | 1,949 |
| Average total loans | $181,481,500 | 2,265 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2063% | 2,937 |
| Cost of funding earning assets | 0.5810% | 1,941 |
| Net interest margin | 3.6253% | 3,313 |
| Noninterest income to average assets | 0.7185% | 2,218 |
| Noninterest expense to average assets | 2.3742% | 4,909 |
| Loan and lease loss provision to assets | 0.2032% | 1,243 |
| Net operating income to assets | 1.4549% | 970 |
| Return on assets (ROA) | 1.4549% | 1,005 |
| Pretax return on assets | 1.5213% | 1,471 |
| Return on Equity (ROE) | 12.0030% | 1,410 |
| Retained earnings to average equity (ytd only) | 5.2990% | 2,404 |
| Net charge-offs to loans | 0.5790% | 694 |
| Credit loss provision to net charge-offs | 57.4163% | 3,339 |
| Earnings coverage of net charge-offs (x) | 4.8737% | 3,544 |
| Efficiency ratio | 57.9265% | 5,465 |
| Assets per employee ($millions) | 4.5465% | 2,959 |
| Cash dividends to net income (ytd only)* | 55.8529% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2438% | 777 |
| Loan loss allowance to noncurrent loans | 71.4060% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 1.9672% | 1,307 |
| Noncurrent loans to loans | 3.1423% | 702 |
| Net loans and leases to total assets | 59.1373% | 3,906 |
| Net loans and leases to deposits | 71.7754% | 3,710 |
| Net loans and leases to core deposits | 75.7192% | 3,740 |
| Total domestic deposits to total assets | 82.3922% | 4,279 |
| Equity capital to assets | 12.1840% | 1,879 |
| Core capital (leverage) ratio | 11.9152% | 1,684 |
| Tier 1 risk-based capital ratio | 17.5793% | 2,285 |
| Total risk-based capital ratio | 18.8390% | 2,250 |
| Memoranda: | ||
| Average total assets | $295,346,000 | 2,183 |
| Average earning assets | $275,370,000 | 2,162 |
| Average equity | $35,799,400 | 1,959 |
| Average total loans | $180,476,400 | 2,222 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2110% | 2,950 |
| Cost of funding earning assets | 0.5843% | 1,979 |
| Net interest margin | 3.6268% | 3,325 |
| Noninterest income to average assets | 0.6975% | 2,337 |
| Noninterest expense to average assets | 2.2631% | 5,198 |
| Loan and lease loss provision to assets | 0.2040% | 1,152 |
| Net operating income to assets | 1.5401% | 863 |
| Return on assets (ROA) | 1.5401% | 896 |
| Pretax return on assets | 1.6095% | 1,299 |
| Return on Equity (ROE) | 12.7230% | 1,293 |
| Retained earnings to average equity (ytd only) | 5.9833% | 2,418 |
| Net charge-offs to loans | 0.6318% | 572 |
| Credit loss provision to net charge-offs | 52.6932% | 3,062 |
| Earnings coverage of net charge-offs (x) | 4.6850% | 3,397 |
| Efficiency ratio | 55.5148% | 5,700 |
| Assets per employee ($millions) | 4.4247% | 3,099 |
| Cash dividends to net income (ytd only)* | 52.9724% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2900% | 834 |
| Loan loss allowance to noncurrent loans | 63.7039% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 2.3522% | 1,156 |
| Noncurrent loans to loans | 3.5947% | 654 |
| Net loans and leases to total assets | 60.1101% | 3,770 |
| Net loans and leases to deposits | 72.8048% | 3,586 |
| Net loans and leases to core deposits | 76.4686% | 3,690 |
| Total domestic deposits to total assets | 82.5634% | 4,278 |
| Equity capital to assets | 12.4707% | 1,719 |
| Core capital (leverage) ratio | 11.9524% | 1,727 |
| Tier 1 risk-based capital ratio | 17.5795% | 2,365 |
| Total risk-based capital ratio | 18.8393% | 2,322 |
| Memoranda: | ||
| Average total assets | $294,166,000 | 2,202 |
| Average earning assets | $274,067,500 | 2,182 |
| Average equity | $35,609,250 | 1,976 |
| Average total loans | $180,214,500 | 2,241 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1999% | 2,951 |
| Cost of funding earning assets | 0.5888% | 1,989 |
| Net interest margin | 3.6110% | 3,314 |
| Noninterest income to average assets | 0.7888% | 1,885 |
| Noninterest expense to average assets | 2.2558% | 5,264 |
| Loan and lease loss provision to assets | 0.2035% | 1,180 |
| Net operating income to assets | 1.6183% | 678 |
| Return on assets (ROA) | 1.6183% | 705 |
| Pretax return on assets | 1.6902% | 1,037 |
| Return on Equity (ROE) | 13.5032% | 1,054 |
| Retained earnings to average equity (ytd only) | 6.7120% | 1,919 |
| Net charge-offs to loans | 0.5344% | 765 |
| Credit loss provision to net charge-offs | 62.2407% | 2,607 |
| Earnings coverage of net charge-offs (x) | 5.7925% | 2,869 |
| Efficiency ratio | 54.3642% | 5,880 |
| Assets per employee ($millions) | 4.3091% | 3,257 |
| Cash dividends to net income (ytd only)* | 50.2934% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3936% | 817 |
| Loan loss allowance to noncurrent loans | 66.9859% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 2.3698% | 1,231 |
| Noncurrent loans to loans | 3.5733% | 735 |
| Net loans and leases to total assets | 59.4680% | 3,791 |
| Net loans and leases to deposits | 73.1148% | 3,438 |
| Net loans and leases to core deposits | 77.0234% | 3,533 |
| Total domestic deposits to total assets | 81.3351% | 4,866 |
| Equity capital to assets | 12.1445% | 1,886 |
| Core capital (leverage) ratio | 11.8099% | 1,779 |
| Tier 1 risk-based capital ratio | 17.3359% | 2,482 |
| Total risk-based capital ratio | 18.5971% | 2,436 |
| Memoranda: | ||
| Average total assets | $294,878,330 | 2,195 |
| Average earning assets | $274,435,670 | 2,179 |
| Average equity | $35,339,670 | 1,974 |
| Average total loans | $180,401,670 | 2,229 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1562% | 3,049 |
| Cost of funding earning assets | 0.5979% | 1,988 |
| Net interest margin | 3.5583% | 3,443 |
| Noninterest income to average assets | 0.8323% | 1,633 |
| Noninterest expense to average assets | 2.1004% | 5,678 |
| Loan and lease loss provision to assets | 0.2043% | 1,134 |
| Net operating income to assets | 1.7572% | 518 |
| Return on assets (ROA) | 1.7572% | 534 |
| Pretax return on assets | 1.8348% | 757 |
| Return on Equity (ROE) | 14.7618% | 815 |
| Retained earnings to average equity (ytd only) | 14.7618% | 339 |
| Net charge-offs to loans | 0.1533% | 1,802 |
| Credit loss provision to net charge-offs | 217.3913% | 982 |
| Earnings coverage of net charge-offs (x) | 21.6957% | 1,282 |
| Efficiency ratio | 50.7404% | 6,210 |
| Assets per employee ($millions) | 4.4540% | 3,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5897% | 722 |
| Loan loss allowance to noncurrent loans | 74.2373% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 2.2635% | 1,456 |
| Noncurrent loans to loans | 3.4884% | 836 |
| Net loans and leases to total assets | 58.8470% | 3,723 |
| Net loans and leases to deposits | 71.1222% | 3,456 |
| Net loans and leases to core deposits | 74.8997% | 3,539 |
| Total domestic deposits to total assets | 82.7407% | 4,693 |
| Equity capital to assets | 12.1477% | 1,775 |
| Core capital (leverage) ratio | 11.9491% | 1,680 |
| Tier 1 risk-based capital ratio | 17.8321% | 2,360 |
| Total risk-based capital ratio | 19.0958% | 2,334 |
| Memoranda: | ||
| Average total assets | $293,653,500 | 2,208 |
| Average earning assets | $272,940,500 | 2,193 |
| Average equity | $34,955,000 | 1,984 |
| Average total loans | $180,027,000 | 2,234 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3967% | 2,603 |
| Cost of funding earning assets | 0.6660% | 2,065 |
| Net interest margin | 3.7308% | 2,938 |
| Noninterest income to average assets | 0.8219% | 1,976 |
| Noninterest expense to average assets | 2.4928% | 4,784 |
| Loan and lease loss provision to assets | 0.3140% | 1,059 |
| Net operating income to assets | 1.4016% | 1,022 |
| Return on assets (ROA) | 1.4016% | 1,062 |
| Pretax return on assets | 1.4683% | 1,557 |
| Return on Equity (ROE) | 11.7952% | 1,487 |
| Retained earnings to average equity (ytd only) | 4.7498% | 2,771 |
| Net charge-offs to loans | 0.5899% | 1,120 |
| Credit loss provision to net charge-offs | 82.8729% | 2,956 |
| Earnings coverage of net charge-offs (x) | 4.7044% | 3,481 |
| Efficiency ratio | 57.7479% | 5,766 |
| Assets per employee ($millions) | 4.3783% | 3,126 |
| Cash dividends to net income (ytd only)* | 59.7312% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4761% | 847 |
| Loan loss allowance to noncurrent loans | 76.0478% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 2.1971% | 1,627 |
| Noncurrent loans to loans | 3.2559% | 1,025 |
| Net loans and leases to total assets | 60.6621% | 3,595 |
| Net loans and leases to deposits | 73.1129% | 3,385 |
| Net loans and leases to core deposits | 77.4256% | 3,434 |
| Total domestic deposits to total assets | 82.9704% | 4,555 |
| Equity capital to assets | 11.6587% | 2,055 |
| Core capital (leverage) ratio | 11.5344% | 1,938 |
| Tier 1 risk-based capital ratio | 16.8977% | 2,657 |
| Total risk-based capital ratio | 18.1603% | 2,613 |
| Memoranda: | ||
| Average total assets | $286,667,000 | 2,222 |
| Average earning assets | $265,335,200 | 2,216 |
| Average equity | $34,064,800 | 2,021 |
| Average total loans | $184,094,000 | 2,164 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4158% | 2,540 |
| Cost of funding earning assets | 0.6778% | 2,110 |
| Net interest margin | 3.7380% | 2,896 |
| Noninterest income to average assets | 0.8098% | 2,099 |
| Noninterest expense to average assets | 2.3850% | 5,065 |
| Loan and lease loss provision to assets | 0.3158% | 1,072 |
| Net operating income to assets | 1.4914% | 915 |
| Return on assets (ROA) | 1.4914% | 960 |
| Pretax return on assets | 1.5635% | 1,432 |
| Return on Equity (ROE) | 12.4903% | 1,355 |
| Retained earnings to average equity (ytd only) | 5.4380% | 2,770 |
| Net charge-offs to loans | 0.2544% | 2,289 |
| Credit loss provision to net charge-offs | 191.7614% | 1,257 |
| Earnings coverage of net charge-offs (x) | 11.4120% | 2,251 |
| Efficiency ratio | 55.1728% | 6,009 |
| Assets per employee ($millions) | 4.2045% | 3,414 |
| Cash dividends to net income (ytd only)* | 56.4617% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7104% | 732 |
| Loan loss allowance to noncurrent loans | 75.7877% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 2.4980% | 1,539 |
| Noncurrent loans to loans | 3.5763% | 1,060 |
| Net loans and leases to total assets | 63.1133% | 3,145 |
| Net loans and leases to deposits | 76.5024% | 2,882 |
| Net loans and leases to core deposits | 80.8897% | 3,018 |
| Total domestic deposits to total assets | 82.4984% | 4,758 |
| Equity capital to assets | 11.9295% | 1,959 |
| Core capital (leverage) ratio | 11.7255% | 1,873 |
| Tier 1 risk-based capital ratio | 17.2931% | 2,589 |
| Total risk-based capital ratio | 18.5599% | 2,550 |
| Memoranda: | ||
| Average total assets | $284,998,000 | 2,249 |
| Average earning assets | $263,380,500 | 2,235 |
| Average equity | $34,031,000 | 2,039 |
| Average total loans | $184,501,000 | 2,163 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3722% | 2,677 |
| Cost of funding earning assets | 0.6946% | 2,110 |
| Net interest margin | 3.6776% | 3,045 |
| Noninterest income to average assets | 0.7952% | 2,208 |
| Noninterest expense to average assets | 2.3281% | 5,281 |
| Loan and lease loss provision to assets | 0.3161% | 1,121 |
| Net operating income to assets | 1.4795% | 933 |
| Return on assets (ROA) | 1.4795% | 1,005 |
| Pretax return on assets | 1.5504% | 1,481 |
| Return on Equity (ROE) | 12.3862% | 1,378 |
| Retained earnings to average equity (ytd only) | 5.3285% | 2,852 |
| Net charge-offs to loans | 0.2020% | 2,544 |
| Credit loss provision to net charge-offs | 241.9355% | 1,041 |
| Earnings coverage of net charge-offs (x) | 14.2849% | 1,833 |
| Efficiency ratio | 54.3460% | 6,117 |
| Assets per employee ($millions) | 4.4783% | 2,843 |
| Cash dividends to net income (ytd only)* | 56.9801% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6382% | 842 |
| Loan loss allowance to noncurrent loans | 75.8589% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 2.6426% | 1,580 |
| Noncurrent loans to loans | 3.4778% | 1,227 |
| Net loans and leases to total assets | 63.9681% | 2,917 |
| Net loans and leases to deposits | 77.2796% | 2,679 |
| Net loans and leases to core deposits | 80.6602% | 2,954 |
| Total domestic deposits to total assets | 82.7749% | 4,789 |
| Equity capital to assets | 11.5038% | 2,289 |
| Core capital (leverage) ratio | 11.4606% | 1,968 |
| Tier 1 risk-based capital ratio | 16.8219% | 2,778 |
| Total risk-based capital ratio | 18.0876% | 2,743 |
| Memoranda: | ||
| Average total assets | $284,695,670 | 2,258 |
| Average earning assets | $263,161,670 | 2,240 |
| Average equity | $34,005,670 | 2,049 |
| Average total loans | $184,177,670 | 2,163 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3193% | 2,813 |
| Cost of funding earning assets | 0.7153% | 2,089 |
| Net interest margin | 3.6040% | 3,240 |
| Noninterest income to average assets | 0.8078% | 2,098 |
| Noninterest expense to average assets | 2.2316% | 5,605 |
| Loan and lease loss provision to assets | 0.3172% | 1,068 |
| Net operating income to assets | 1.5183% | 828 |
| Return on assets (ROA) | 1.5183% | 904 |
| Pretax return on assets | 1.5831% | 1,338 |
| Return on Equity (ROE) | 12.4786% | 1,303 |
| Retained earnings to average equity (ytd only) | 12.4786% | 634 |
| Net charge-offs to loans | -0.0176% | 5,662 |
| Credit loss provision to net charge-offs | -2,812.5000% | 5,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5759% | 6,342 |
| Assets per employee ($millions) | 4.1986% | 3,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6945% | 917 |
| Loan loss allowance to noncurrent loans | 76.2707% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 2.5317% | 1,814 |
| Noncurrent loans to loans | 3.5328% | 1,354 |
| Net loans and leases to total assets | 62.4471% | 2,976 |
| Net loans and leases to deposits | 75.7774% | 2,672 |
| Net loans and leases to core deposits | 79.1439% | 2,908 |
| Total domestic deposits to total assets | 82.4087% | 5,056 |
| Equity capital to assets | 12.2517% | 1,863 |
| Core capital (leverage) ratio | 11.7564% | 1,705 |
| Tier 1 risk-based capital ratio | 17.4496% | 2,583 |
| Total risk-based capital ratio | 18.7162% | 2,534 |
| Memoranda: | ||
| Average total assets | $283,738,500 | 2,298 |
| Average earning assets | $261,708,000 | 2,275 |
| Average equity | $34,523,000 | 2,042 |
| Average total loans | $182,113,000 | 2,189 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7152% | 2,536 |
| Cost of funding earning assets | 0.8342% | 2,399 |
| Net interest margin | 3.8810% | 2,910 |
| Noninterest income to average assets | 0.8421% | 2,073 |
| Noninterest expense to average assets | 2.4365% | 5,297 |
| Loan and lease loss provision to assets | 0.6097% | 897 |
| Net operating income to assets | 1.3345% | 1,225 |
| Return on assets (ROA) | 1.3345% | 1,352 |
| Pretax return on assets | 1.4024% | 2,030 |
| Return on Equity (ROE) | 11.3322% | 1,702 |
| Retained earnings to average equity (ytd only) | 4.2311% | 3,251 |
| Net charge-offs to loans | 0.5278% | 2,146 |
| Credit loss provision to net charge-offs | 180.9721% | 1,455 |
| Earnings coverage of net charge-offs (x) | 5.9721% | 2,904 |
| Efficiency ratio | 53.2112% | 6,355 |
| Assets per employee ($millions) | 4.2086% | 3,535 |
| Cash dividends to net income (ytd only)* | 62.6632% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5989% | 1,019 |
| Loan loss allowance to noncurrent loans | 143.8972% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 1.3200% | 3,440 |
| Noncurrent loans to loans | 1.8061% | 2,910 |
| Net loans and leases to total assets | 62.5223% | 3,160 |
| Net loans and leases to deposits | 75.3927% | 2,896 |
| Net loans and leases to core deposits | 78.0617% | 3,254 |
| Total domestic deposits to total assets | 82.9289% | 4,751 |
| Equity capital to assets | 12.0817% | 1,996 |
| Core capital (leverage) ratio | 11.1656% | 2,109 |
| Tier 1 risk-based capital ratio | 16.8678% | 2,717 |
| Total risk-based capital ratio | 18.1330% | 2,672 |
| Memoranda: | ||
| Average total assets | $287,004,400 | 2,223 |
| Average earning assets | $266,710,400 | 2,180 |
| Average equity | $33,797,400 | 2,041 |
| Average total loans | $183,227,200 | 2,161 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7261% | 2,684 |
| Cost of funding earning assets | 0.8479% | 2,559 |
| Net interest margin | 3.8783% | 2,990 |
| Noninterest income to average assets | 0.8062% | 2,211 |
| Noninterest expense to average assets | 2.3483% | 5,550 |
| Loan and lease loss provision to assets | 0.4972% | 1,233 |
| Net operating income to assets | 1.5060% | 1,007 |
| Return on assets (ROA) | 1.5060% | 1,117 |
| Pretax return on assets | 1.5721% | 1,661 |
| Return on Equity (ROE) | 12.8705% | 1,374 |
| Retained earnings to average equity (ytd only) | 5.7554% | 2,864 |
| Net charge-offs to loans | 0.3178% | 2,855 |
| Credit loss provision to net charge-offs | 245.4338% | 1,128 |
| Earnings coverage of net charge-offs (x) | 10.2145% | 2,212 |
| Efficiency ratio | 51.5967% | 6,488 |
| Assets per employee ($millions) | 4.3371% | 3,196 |
| Cash dividends to net income (ytd only)* | 55.2826% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5098% | 1,200 |
| Loan loss allowance to noncurrent loans | 264.3852% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.8105% | 4,677 |
| Noncurrent loans to loans | 0.9493% | 4,540 |
| Net loans and leases to total assets | 61.8531% | 3,407 |
| Net loans and leases to deposits | 76.2012% | 2,950 |
| Net loans and leases to core deposits | 78.9121% | 3,339 |
| Total domestic deposits to total assets | 81.1707% | 5,307 |
| Equity capital to assets | 12.0477% | 2,215 |
| Core capital (leverage) ratio | 11.1776% | 2,226 |
| Tier 1 risk-based capital ratio | 16.7686% | 2,859 |
| Total risk-based capital ratio | 18.0330% | 2,808 |
| Memoranda: | ||
| Average total assets | $288,262,250 | 2,243 |
| Average earning assets | $268,429,500 | 2,193 |
| Average equity | $33,730,000 | 2,059 |
| Average total loans | $183,784,000 | 2,182 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8506% | 2,302 |
| Cost of funding earning assets | 0.8627% | 2,709 |
| Net interest margin | 3.9879% | 2,556 |
| Noninterest income to average assets | 0.6638% | 2,875 |
| Noninterest expense to average assets | 2.2642% | 5,834 |
| Loan and lease loss provision to assets | 0.4499% | 1,429 |
| Net operating income to assets | 1.6011% | 832 |
| Return on assets (ROA) | 1.6011% | 929 |
| Pretax return on assets | 1.6710% | 1,337 |
| Return on Equity (ROE) | 13.8180% | 1,166 |
| Retained earnings to average equity (ytd only) | 6.6491% | 2,305 |
| Net charge-offs to loans | 0.3414% | 2,653 |
| Credit loss provision to net charge-offs | 206.3492% | 1,374 |
| Earnings coverage of net charge-offs (x) | 9.7270% | 2,137 |
| Efficiency ratio | 50.0710% | 6,645 |
| Assets per employee ($millions) | 4.4443% | 3,015 |
| Cash dividends to net income (ytd only)* | 51.8807% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3224% | 1,552 |
| Loan loss allowance to noncurrent loans | 312.2524% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.6968% | 5,039 |
| Noncurrent loans to loans | 0.7438% | 5,022 |
| Net loans and leases to total assets | 61.9644% | 3,446 |
| Net loans and leases to deposits | 75.0406% | 3,121 |
| Net loans and leases to core deposits | 78.0457% | 3,507 |
| Total domestic deposits to total assets | 82.5746% | 4,919 |
| Equity capital to assets | 11.6904% | 2,421 |
| Core capital (leverage) ratio | 10.8801% | 2,412 |
| Tier 1 risk-based capital ratio | 16.6775% | 2,817 |
| Total risk-based capital ratio | 17.9401% | 2,765 |
| Memoranda: | ||
| Average total assets | $288,934,330 | 2,241 |
| Average earning assets | $269,614,000 | 2,192 |
| Average equity | $33,478,000 | 2,063 |
| Average total loans | $184,508,670 | 2,169 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9136% | 2,188 |
| Cost of funding earning assets | 0.8857% | 2,797 |
| Net interest margin | 4.0279% | 2,382 |
| Noninterest income to average assets | 0.5523% | 3,547 |
| Noninterest expense to average assets | 2.1428% | 6,170 |
| Loan and lease loss provision to assets | 0.3115% | 2,016 |
| Net operating income to assets | 1.7788% | 623 |
| Return on assets (ROA) | 1.7788% | 701 |
| Pretax return on assets | 1.8563% | 960 |
| Return on Equity (ROE) | 15.4208% | 903 |
| Retained earnings to average equity (ytd only) | 15.4208% | 412 |
| Net charge-offs to loans | 0.2096% | 2,871 |
| Credit loss provision to net charge-offs | 231.9588% | 1,212 |
| Earnings coverage of net charge-offs (x) | 16.1443% | 1,383 |
| Efficiency ratio | 48.1053% | 6,799 |
| Assets per employee ($millions) | 4.5551% | 2,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2166% | 1,850 |
| Loan loss allowance to noncurrent loans | 293.8316% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.7485% | 5,055 |
| Noncurrent loans to loans | 0.7544% | 5,154 |
| Net loans and leases to total assets | 61.2693% | 3,399 |
| Net loans and leases to deposits | 73.3072% | 3,231 |
| Net loans and leases to core deposits | 76.5511% | 3,549 |
| Total domestic deposits to total assets | 83.5788% | 4,685 |
| Equity capital to assets | 11.6734% | 2,282 |
| Core capital (leverage) ratio | 10.8636% | 2,371 |
| Tier 1 risk-based capital ratio | 16.9100% | 2,711 |
| Total risk-based capital ratio | 18.1714% | 2,668 |
| Memoranda: | ||
| Average total assets | $288,963,000 | 2,250 |
| Average earning assets | $269,619,000 | 2,206 |
| Average equity | $33,331,500 | 2,075 |
| Average total loans | $185,134,500 | 2,169 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1971% | 2,069 |
| Cost of funding earning assets | 1.0319% | 3,148 |
| Net interest margin | 4.1652% | 2,176 |
| Noninterest income to average assets | 0.6122% | 3,100 |
| Noninterest expense to average assets | 2.6178% | 5,024 |
| Loan and lease loss provision to assets | 0.5302% | 1,974 |
| Net operating income to assets | 1.2975% | 1,256 |
| Return on assets (ROA) | 1.2975% | 1,360 |
| Pretax return on assets | 1.3271% | 2,029 |
| Return on Equity (ROE) | 11.3300% | 1,610 |
| Retained earnings to average equity (ytd only) | 3.7556% | 3,545 |
| Net charge-offs to loans | 0.7703% | 2,228 |
| Credit loss provision to net charge-offs | 102.0877% | 3,396 |
| Earnings coverage of net charge-offs (x) | 3.5762% | 3,463 |
| Efficiency ratio | 56.8890% | 6,201 |
| Assets per employee ($millions) | 4.4062% | 3,052 |
| Cash dividends to net income (ytd only)* | 66.8524% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0900% | 2,031 |
| Loan loss allowance to noncurrent loans | 191.9236% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 1.1051% | 4,402 |
| Noncurrent loans to loans | 1.0890% | 4,535 |
| Net loans and leases to total assets | 64.1351% | 3,165 |
| Net loans and leases to deposits | 76.7922% | 3,040 |
| Net loans and leases to core deposits | 79.7104% | 3,484 |
| Total domestic deposits to total assets | 83.5178% | 4,532 |
| Equity capital to assets | 11.3939% | 2,601 |
| Core capital (leverage) ratio | 10.5945% | 2,626 |
| Tier 1 risk-based capital ratio | 15.8989% | 3,093 |
| Total risk-based capital ratio | 17.1587% | 3,051 |
| Memoranda: | ||
| Average total assets | $276,686,600 | 2,290 |
| Average earning assets | $256,602,600 | 2,257 |
| Average equity | $31,685,800 | 2,097 |
| Average total loans | $186,544,000 | 2,163 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2596% | 1,995 |
| Cost of funding earning assets | 1.0542% | 3,289 |
| Net interest margin | 4.2054% | 2,077 |
| Noninterest income to average assets | 0.6791% | 2,724 |
| Noninterest expense to average assets | 2.5737% | 5,180 |
| Loan and lease loss provision to assets | 0.4580% | 2,171 |
| Net operating income to assets | 1.4837% | 977 |
| Return on assets (ROA) | 1.4837% | 1,055 |
| Pretax return on assets | 1.5435% | 1,534 |
| Return on Equity (ROE) | 12.9390% | 1,293 |
| Retained earnings to average equity (ytd only) | 5.3079% | 2,988 |
| Net charge-offs to loans | 0.4237% | 3,027 |
| Credit loss provision to net charge-offs | 159.1216% | 1,942 |
| Earnings coverage of net charge-offs (x) | 6.9544% | 2,448 |
| Efficiency ratio | 54.6701% | 6,426 |
| Assets per employee ($millions) | 4.3260% | 3,224 |
| Cash dividends to net income (ytd only)* | 58.9777% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2748% | 1,729 |
| Loan loss allowance to noncurrent loans | 137.2492% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 1.6818% | 3,563 |
| Noncurrent loans to loans | 1.6575% | 3,813 |
| Net loans and leases to total assets | 64.7924% | 3,147 |
| Net loans and leases to deposits | 78.0410% | 2,979 |
| Net loans and leases to core deposits | 81.4577% | 3,416 |
| Total domestic deposits to total assets | 83.0235% | 4,672 |
| Equity capital to assets | 11.6562% | 2,535 |
| Core capital (leverage) ratio | 10.8052% | 2,568 |
| Tier 1 risk-based capital ratio | 16.0914% | 3,071 |
| Total risk-based capital ratio | 17.3536% | 3,029 |
| Memoranda: | ||
| Average total assets | $274,258,250 | 2,325 |
| Average earning assets | $254,080,500 | 2,285 |
| Average equity | $31,449,250 | 2,110 |
| Average total loans | $186,279,000 | 2,187 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2672% | 1,997 |
| Cost of funding earning assets | 1.0692% | 3,478 |
| Net interest margin | 4.1981% | 2,041 |
| Noninterest income to average assets | 0.7119% | 2,485 |
| Noninterest expense to average assets | 2.5167% | 5,465 |
| Loan and lease loss provision to assets | 0.5273% | 1,851 |
| Net operating income to assets | 1.4915% | 904 |
| Return on assets (ROA) | 1.4915% | 966 |
| Pretax return on assets | 1.5577% | 1,361 |
| Return on Equity (ROE) | 13.0809% | 1,180 |
| Retained earnings to average equity (ytd only) | 5.3407% | 2,780 |
| Net charge-offs to loans | 0.2921% | 3,415 |
| Credit loss provision to net charge-offs | 263.6029% | 1,154 |
| Earnings coverage of net charge-offs (x) | 10.4228% | 1,812 |
| Efficiency ratio | 53.1085% | 6,702 |
| Assets per employee ($millions) | 4.0958% | 3,557 |
| Cash dividends to net income (ytd only)* | 59.1716% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3202% | 1,711 |
| Loan loss allowance to noncurrent loans | 134.6166% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 1.9047% | 3,368 |
| Noncurrent loans to loans | 1.7235% | 3,851 |
| Net loans and leases to total assets | 65.5427% | 3,129 |
| Net loans and leases to deposits | 78.7832% | 2,995 |
| Net loans and leases to core deposits | 81.8512% | 3,520 |
| Total domestic deposits to total assets | 83.1938% | 4,676 |
| Equity capital to assets | 11.4485% | 2,550 |
| Core capital (leverage) ratio | 10.8004% | 2,420 |
| Tier 1 risk-based capital ratio | 15.7323% | 3,111 |
| Total risk-based capital ratio | 16.9949% | 3,086 |
| Memoranda: | ||
| Average total assets | $271,948,000 | 2,352 |
| Average earning assets | $251,972,670 | 2,315 |
| Average equity | $31,007,000 | 2,122 |
| Average total loans | $186,228,670 | 2,210 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2542% | 2,031 |
| Cost of funding earning assets | 1.0881% | 3,600 |
| Net interest margin | 4.1661% | 2,010 |
| Noninterest income to average assets | 0.7042% | 2,552 |
| Noninterest expense to average assets | 2.5772% | 5,304 |
| Loan and lease loss provision to assets | 0.3350% | 2,552 |
| Net operating income to assets | 1.5856% | 715 |
| Return on assets (ROA) | 1.5856% | 761 |
| Pretax return on assets | 1.6571% | 1,066 |
| Return on Equity (ROE) | 13.9364% | 1,005 |
| Retained earnings to average equity (ytd only) | 13.9364% | 480 |
| Net charge-offs to loans | 0.0301% | 4,677 |
| Credit loss provision to net charge-offs | 1,607.1429% | 241 |
| Earnings coverage of net charge-offs (x) | 95.5714% | 329 |
| Efficiency ratio | 54.7735% | 6,619 |
| Assets per employee ($millions) | 4.2335% | 3,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2111% | 1,936 |
| Loan loss allowance to noncurrent loans | 100.4407% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 1.8295% | 3,528 |
| Noncurrent loans to loans | 2.2014% | 3,317 |
| Net loans and leases to total assets | 66.9569% | 2,769 |
| Net loans and leases to deposits | 80.5555% | 2,602 |
| Net loans and leases to core deposits | 83.7388% | 3,197 |
| Total domestic deposits to total assets | 83.1190% | 4,883 |
| Equity capital to assets | 11.5515% | 2,225 |
| Core capital (leverage) ratio | 11.1558% | 2,070 |
| Tier 1 risk-based capital ratio | 16.1464% | 2,836 |
| Total risk-based capital ratio | 17.4084% | 2,796 |
| Memoranda: | ||
| Average total assets | $268,664,000 | 2,402 |
| Average earning assets | $249,249,000 | 2,353 |
| Average equity | $30,567,500 | 2,144 |
| Average total loans | $185,901,500 | 2,239 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5998% | 1,887 |
| Cost of funding earning assets | 1.3282% | 3,697 |
| Net interest margin | 4.2716% | 1,913 |
| Noninterest income to average assets | 0.7201% | 2,712 |
| Noninterest expense to average assets | 2.6408% | 5,259 |
| Loan and lease loss provision to assets | 0.6850% | 2,404 |
| Net operating income to assets | 1.3048% | 1,155 |
| Return on assets (ROA) | 1.2869% | 1,266 |
| Pretax return on assets | 1.3450% | 1,817 |
| Return on Equity (ROE) | 10.9083% | 1,615 |
| Retained earnings to average equity (ytd only) | 2.9726% | 3,773 |
| Net charge-offs to loans | 0.4982% | 3,635 |
| Credit loss provision to net charge-offs | 193.1793% | 1,647 |
| Earnings coverage of net charge-offs (x) | 5.7778% | 2,537 |
| Efficiency ratio | 54.6581% | 6,748 |
| Assets per employee ($millions) | 4.0982% | 3,583 |
| Cash dividends to net income (ytd only)* | 72.7493% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0887% | 2,091 |
| Loan loss allowance to noncurrent loans | 109.3592% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 1.5508% | 3,987 |
| Noncurrent loans to loans | 1.9100% | 3,673 |
| Net loans and leases to total assets | 68.4704% | 2,870 |
| Net loans and leases to deposits | 82.6607% | 2,687 |
| Net loans and leases to core deposits | 85.1688% | 3,445 |
| Total domestic deposits to total assets | 82.8331% | 4,869 |
| Equity capital to assets | 11.2007% | 2,511 |
| Core capital (leverage) ratio | 10.8432% | 2,273 |
| Tier 1 risk-based capital ratio | 15.5425% | 2,980 |
| Total risk-based capital ratio | 16.8030% | 2,939 |
| Memoranda: | ||
| Average total assets | $256,359,800 | 2,486 |
| Average earning assets | $238,223,400 | 2,446 |
| Average equity | $30,243,000 | 2,153 |
| Average total loans | $182,457,800 | 2,323 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7168% | 1,659 |
| Cost of funding earning assets | 1.3722% | 3,763 |
| Net interest margin | 4.3447% | 1,697 |
| Noninterest income to average assets | 0.7558% | 2,475 |
| Noninterest expense to average assets | 2.6130% | 5,272 |
| Loan and lease loss provision to assets | 0.5452% | 2,770 |
| Net operating income to assets | 1.5694% | 790 |
| Return on assets (ROA) | 1.5452% | 916 |
| Pretax return on assets | 1.6135% | 1,315 |
| Return on Equity (ROE) | 12.9268% | 1,270 |
| Retained earnings to average equity (ytd only) | 5.0178% | 2,979 |
| Net charge-offs to loans | 0.3100% | 4,100 |
| Credit loss provision to net charge-offs | 245.9716% | 1,361 |
| Earnings coverage of net charge-offs (x) | 9.8531% | 1,951 |
| Efficiency ratio | 52.8413% | 6,902 |
| Assets per employee ($millions) | 3.9465% | 3,943 |
| Cash dividends to net income (ytd only)* | 61.1828% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9973% | 2,229 |
| Loan loss allowance to noncurrent loans | 82.7867% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 1.8900% | 3,628 |
| Noncurrent loans to loans | 2.4126% | 3,222 |
| Net loans and leases to total assets | 68.9475% | 3,005 |
| Net loans and leases to deposits | 83.9856% | 2,709 |
| Net loans and leases to core deposits | 86.7852% | 3,546 |
| Total domestic deposits to total assets | 82.0944% | 4,951 |
| Equity capital to assets | 11.9475% | 2,189 |
| Core capital (leverage) ratio | 11.1411% | 2,168 |
| Tier 1 risk-based capital ratio | 15.3301% | 3,083 |
| Total risk-based capital ratio | 16.5882% | 3,041 |
| Memoranda: | ||
| Average total assets | $253,853,500 | 2,547 |
| Average earning assets | $236,115,000 | 2,507 |
| Average equity | $30,344,500 | 2,173 |
| Average total loans | $181,500,750 | 2,377 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7496% | 1,553 |
| Cost of funding earning assets | 1.4115% | 3,803 |
| Net interest margin | 4.3381% | 1,646 |
| Noninterest income to average assets | 0.7542% | 2,365 |
| Noninterest expense to average assets | 2.5043% | 5,709 |
| Loan and lease loss provision to assets | 0.3576% | 3,570 |
| Net operating income to assets | 1.8399% | 452 |
| Return on assets (ROA) | 1.8399% | 490 |
| Pretax return on assets | 1.9225% | 709 |
| Return on Equity (ROE) | 15.3892% | 789 |
| Retained earnings to average equity (ytd only) | 7.4121% | 1,672 |
| Net charge-offs to loans | 0.0696% | 5,444 |
| Credit loss provision to net charge-offs | 714.2857% | 526 |
| Earnings coverage of net charge-offs (x) | 45.5397% | 652 |
| Efficiency ratio | 50.6977% | 7,179 |
| Assets per employee ($millions) | 3.6623% | 4,566 |
| Cash dividends to net income (ytd only)* | 51.8359% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8722% | 2,503 |
| Loan loss allowance to noncurrent loans | 84.0931% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 1.7394% | 3,835 |
| Noncurrent loans to loans | 2.2264% | 3,452 |
| Net loans and leases to total assets | 70.1460% | 2,868 |
| Net loans and leases to deposits | 85.5141% | 2,597 |
| Net loans and leases to core deposits | 89.3030% | 3,373 |
| Total domestic deposits to total assets | 82.0286% | 4,970 |
| Equity capital to assets | 11.9185% | 2,145 |
| Core capital (leverage) ratio | 11.3343% | 2,019 |
| Tier 1 risk-based capital ratio | 15.4395% | 2,931 |
| Total risk-based capital ratio | 16.6967% | 2,887 |
| Memoranda: | ||
| Average total assets | $251,647,330 | 2,586 |
| Average earning assets | $233,789,330 | 2,554 |
| Average equity | $30,086,000 | 2,186 |
| Average total loans | $180,918,000 | 2,413 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7601% | 1,596 |
| Cost of funding earning assets | 1.4513% | 3,869 |
| Net interest margin | 4.3089% | 1,662 |
| Noninterest income to average assets | 0.7333% | 2,390 |
| Noninterest expense to average assets | 2.6010% | 5,357 |
| Loan and lease loss provision to assets | 0.3610% | 3,207 |
| Net operating income to assets | 1.6944% | 625 |
| Return on assets (ROA) | 1.6944% | 676 |
| Pretax return on assets | 1.7682% | 936 |
| Return on Equity (ROE) | 14.1498% | 1,027 |
| Retained earnings to average equity (ytd only) | 14.1498% | 491 |
| Net charge-offs to loans | -0.0690% | 7,441 |
| Credit loss provision to net charge-offs | -725.8065% | 6,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2904% | 7,041 |
| Assets per employee ($millions) | 3.8711% | 4,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8438% | 2,596 |
| Loan loss allowance to noncurrent loans | 82.9146% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 1.5942% | 4,103 |
| Noncurrent loans to loans | 2.2237% | 3,493 |
| Net loans and leases to total assets | 68.7609% | 3,212 |
| Net loans and leases to deposits | 83.9574% | 2,949 |
| Net loans and leases to core deposits | 88.3973% | 3,585 |
| Total domestic deposits to total assets | 81.8998% | 5,117 |
| Equity capital to assets | 11.8750% | 2,120 |
| Core capital (leverage) ratio | 11.6064% | 1,854 |
| Tier 1 risk-based capital ratio | 15.7050% | 2,779 |
| Total risk-based capital ratio | 16.9615% | 2,721 |
| Memoranda: | ||
| Average total assets | $249,292,000 | 2,661 |
| Average earning assets | $231,244,000 | 2,635 |
| Average equity | $29,852,000 | 2,227 |
| Average total loans | $179,749,000 | 2,490 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4490% | 737 |
| Cost of funding earning assets | 1.7868% | 4,063 |
| Net interest margin | 4.6622% | 884 |
| Noninterest income to average assets | 0.8186% | 2,315 |
| Noninterest expense to average assets | 2.7640% | 5,110 |
| Loan and lease loss provision to assets | 0.8111% | 2,696 |
| Net operating income to assets | 1.5252% | 640 |
| Return on assets (ROA) | 1.5252% | 681 |
| Pretax return on assets | 1.5570% | 1,060 |
| Return on Equity (ROE) | 12.5586% | 1,043 |
| Retained earnings to average equity (ytd only) | 4.2964% | 2,217 |
| Net charge-offs to loans | 0.7745% | 2,887 |
| Credit loss provision to net charge-offs | 139.8702% | 3,488 |
| Earnings coverage of net charge-offs (x) | 4.0836% | 3,073 |
| Efficiency ratio | 52.2363% | 7,367 |
| Assets per employee ($millions) | 3.6832% | 4,557 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6863% | 2,939 |
| Loan loss allowance to noncurrent loans | 97.5641% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 1.3226% | 4,448 |
| Noncurrent loans to loans | 1.7284% | 4,043 |
| Net loans and leases to total assets | 73.0075% | 2,509 |
| Net loans and leases to deposits | 89.6519% | 2,272 |
| Net loans and leases to core deposits | 102.3707% | 3,763 |
| Total domestic deposits to total assets | 81.4344% | 5,179 |
| Equity capital to assets | 12.0795% | 1,989 |
| Core capital (leverage) ratio | 11.4715% | 1,934 |
| Tier 1 risk-based capital ratio | 15.3529% | 2,782 |
| Total risk-based capital ratio | 16.6080% | 2,731 |
| Memoranda: | ||
| Average total assets | $239,180,600 | 2,725 |
| Average earning assets | $221,291,000 | 2,687 |
| Average equity | $29,047,800 | 2,297 |
| Average total loans | $179,079,000 | 2,527 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5568% | 668 |
| Cost of funding earning assets | 1.8462% | 4,173 |
| Net interest margin | 4.7105% | 815 |
| Noninterest income to average assets | 0.7920% | 2,473 |
| Noninterest expense to average assets | 2.8227% | 4,800 |
| Loan and lease loss provision to assets | 0.2519% | 4,936 |
| Net operating income to assets | 1.9859% | 302 |
| Return on assets (ROA) | 1.9859% | 324 |
| Pretax return on assets | 2.0760% | 470 |
| Return on Equity (ROE) | 16.3298% | 617 |
| Retained earnings to average equity (ytd only) | 8.0453% | 1,123 |
| Net charge-offs to loans | 0.0448% | 6,281 |
| Credit loss provision to net charge-offs | 750.0000% | 506 |
| Earnings coverage of net charge-offs (x) | 69.3149% | 485 |
| Efficiency ratio | 53.1841% | 7,321 |
| Assets per employee ($millions) | 3.7130% | 4,395 |
| Cash dividends to net income (ytd only)* | 50.7328% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6017% | 2,976 |
| Loan loss allowance to noncurrent loans | 202.7445% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 1.0591% | 4,962 |
| Noncurrent loans to loans | 0.7900% | 5,716 |
| Net loans and leases to total assets | 73.3373% | 2,704 |
| Net loans and leases to deposits | 92.4391% | 2,164 |
| Net loans and leases to core deposits | 106.3358% | 3,664 |
| Total domestic deposits to total assets | 79.3358% | 5,682 |
| Equity capital to assets | 12.5443% | 1,922 |
| Core capital (leverage) ratio | 11.7133% | 1,964 |
| Tier 1 risk-based capital ratio | 15.5703% | 2,781 |
| Total risk-based capital ratio | 16.8245% | 2,716 |
| Memoranda: | ||
| Average total assets | $238,203,250 | 2,749 |
| Average earning assets | $220,407,750 | 2,715 |
| Average equity | $28,968,750 | 2,324 |
| Average total loans | $178,719,250 | 2,558 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5717% | 696 |
| Cost of funding earning assets | 1.9211% | 4,157 |
| Net interest margin | 4.6506% | 875 |
| Noninterest income to average assets | 0.7910% | 2,459 |
| Noninterest expense to average assets | 2.8437% | 4,764 |
| Loan and lease loss provision to assets | 0.2530% | 4,552 |
| Net operating income to assets | 1.9160% | 362 |
| Return on assets (ROA) | 1.9160% | 393 |
| Pretax return on assets | 2.0021% | 567 |
| Return on Equity (ROE) | 15.9252% | 707 |
| Retained earnings to average equity (ytd only) | 7.5140% | 1,382 |
| Net charge-offs to loans | 0.0729% | 5,487 |
| Credit loss provision to net charge-offs | 461.5385% | 1,004 |
| Earnings coverage of net charge-offs (x) | 41.1385% | 796 |
| Efficiency ratio | 54.1350% | 7,316 |
| Assets per employee ($millions) | 3.4875% | 4,843 |
| Cash dividends to net income (ytd only)* | 52.8169% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5169% | 3,101 |
| Loan loss allowance to noncurrent loans | 133.1055% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 1.3380% | 4,276 |
| Noncurrent loans to loans | 1.1396% | 4,936 |
| Net loans and leases to total assets | 74.6301% | 2,536 |
| Net loans and leases to deposits | 92.1126% | 2,450 |
| Net loans and leases to core deposits | 105.4480% | 3,907 |
| Total domestic deposits to total assets | 81.0205% | 5,074 |
| Equity capital to assets | 12.1876% | 2,101 |
| Core capital (leverage) ratio | 11.5317% | 2,068 |
| Tier 1 risk-based capital ratio | 15.3309% | 2,878 |
| Total risk-based capital ratio | 16.5844% | 2,810 |
| Memoranda: | ||
| Average total assets | $237,156,000 | 2,776 |
| Average earning assets | $219,669,330 | 2,746 |
| Average equity | $28,533,330 | 2,370 |
| Average total loans | $178,333,330 | 2,595 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6757% | 606 |
| Cost of funding earning assets | 1.9807% | 4,234 |
| Net interest margin | 4.6950% | 771 |
| Noninterest income to average assets | 0.8012% | 2,315 |
| Noninterest expense to average assets | 2.7020% | 4,996 |
| Loan and lease loss provision to assets | 0.2530% | 3,945 |
| Net operating income to assets | 2.1049% | 282 |
| Return on assets (ROA) | 2.1049% | 328 |
| Pretax return on assets | 2.1960% | 446 |
| Return on Equity (ROE) | 17.6094% | 626 |
| Retained earnings to average equity (ytd only) | 17.6094% | 244 |
| Net charge-offs to loans | -0.0248% | 7,497 |
| Credit loss provision to net charge-offs | -1,363.6364% | 6,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8186% | 7,527 |
| Assets per employee ($millions) | 3.5911% | 4,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4858% | 3,065 |
| Loan loss allowance to noncurrent loans | 107.1082% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 1.0447% | 4,602 |
| Noncurrent loans to loans | 1.3872% | 4,233 |
| Net loans and leases to total assets | 74.1877% | 2,711 |
| Net loans and leases to deposits | 90.4069% | 2,867 |
| Net loans and leases to core deposits | 103.4098% | 4,201 |
| Total domestic deposits to total assets | 82.0598% | 4,526 |
| Equity capital to assets | 12.2659% | 2,100 |
| Core capital (leverage) ratio | 11.6681% | 2,059 |
| Tier 1 risk-based capital ratio | 15.6250% | 2,805 |
| Total risk-based capital ratio | 16.8782% | 2,743 |
| Memoranda: | ||
| Average total assets | $237,158,500 | 2,801 |
| Average earning assets | $219,722,000 | 2,768 |
| Average equity | $28,348,500 | 2,393 |
| Average total loans | $177,644,000 | 2,621 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9716% | 1,201 |
| Cost of funding earning assets | 2.5333% | 4,034 |
| Net interest margin | 4.4383% | 1,569 |
| Noninterest income to average assets | 0.8834% | 2,041 |
| Noninterest expense to average assets | 2.8614% | 4,564 |
| Loan and lease loss provision to assets | 0.3147% | 3,858 |
| Net operating income to assets | 1.7333% | 630 |
| Return on assets (ROA) | 1.7333% | 602 |
| Pretax return on assets | 1.8189% | 907 |
| Return on Equity (ROE) | 14.9300% | 936 |
| Retained earnings to average equity (ytd only) | 6.0431% | 1,510 |
| Net charge-offs to loans | 0.2047% | 4,157 |
| Credit loss provision to net charge-offs | 209.7421% | 2,303 |
| Earnings coverage of net charge-offs (x) | 14.2206% | 2,060 |
| Efficiency ratio | 55.5728% | 7,076 |
| Assets per employee ($millions) | 3.7078% | 4,155 |
| Cash dividends to net income (ytd only)* | 59.5238% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 3,145 |
| Loan loss allowance to noncurrent loans | 104.2696% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 1.0067% | 4,307 |
| Noncurrent loans to loans | 1.3512% | 3,816 |
| Net loans and leases to total assets | 73.4545% | 3,248 |
| Net loans and leases to deposits | 89.0022% | 3,636 |
| Net loans and leases to core deposits | 102.3884% | 4,569 |
| Total domestic deposits to total assets | 82.5311% | 3,982 |
| Equity capital to assets | 11.6413% | 2,539 |
| Core capital (leverage) ratio | 11.2368% | 2,406 |
| Tier 1 risk-based capital ratio | 14.9867% | 3,054 |
| Total risk-based capital ratio | 16.2387% | 2,964 |
| Memoranda: | ||
| Average total assets | $232,614,800 | 2,733 |
| Average earning assets | $215,487,200 | 2,702 |
| Average equity | $27,006,000 | 2,474 |
| Average total loans | $170,453,000 | 2,607 |