Home > The North Side Bank and Trust Company > Performance and Condition Ratios
The North Side Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9170% | 2,239 |
| Cost of funding earning assets | 1.9071% | 1,057 |
| Net interest margin | 3.0099% | 3,260 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 1.6627% | 4,180 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.1830% | 1,688 |
| Return on assets (ROA) | 1.1783% | 1,676 |
| Pretax return on assets | 1.4708% | 1,488 |
| Return on Equity (ROE) | 14.6600% | 1,351 |
| Retained earnings to average equity (ytd only) | 9.3837% | 1,158 |
| Net charge-offs to loans | 0.0136% | 2,147 |
| Credit loss provision to net charge-offs | 989.0110% | 418 |
| Earnings coverage of net charge-offs (x) | 171.0659% | 651 |
| Efficiency ratio | 51.4775% | 3,876 |
| Assets per employee ($millions) | 9.3068% | 886 |
| Cash dividends to net income (ytd only)* | 35.9962% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 1,916 |
| Loan loss allowance to noncurrent loans | 778.7120% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 2,823 |
| Noncurrent loans to loans | 0.1632% | 2,703 |
| Net loans and leases to total assets | 64.8800% | 2,378 |
| Net loans and leases to deposits | 79.2304% | 2,168 |
| Net loans and leases to core deposits | 87.5239% | 2,209 |
| Total domestic deposits to total assets | 81.8800% | 3,149 |
| Equity capital to assets | 8.1667% | 3,300 |
| Core capital (leverage) ratio | 10.9580% | 1,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9131% | 2,266 |
| Memoranda: | ||
| Average total assets | $993,255,200 | 994 |
| Average earning assets | $938,227,400 | 967 |
| Average equity | $79,829,600 | 1,131 |
| Average total loans | $668,248,200 | 1,005 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7871% | 2,293 |
| Cost of funding earning assets | 1.6915% | 1,205 |
| Net interest margin | 3.0955% | 3,150 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 1.6908% | 4,138 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.2250% | 1,717 |
| Return on assets (ROA) | 1.1750% | 1,851 |
| Pretax return on assets | 1.4664% | 1,644 |
| Return on Equity (ROE) | 14.6800% | 1,510 |
| Retained earnings to average equity (ytd only) | 10.4500% | 1,277 |
| Net charge-offs to loans | 0.0066% | 2,198 |
| Credit loss provision to net charge-offs | 2,045.4545% | 233 |
| Earnings coverage of net charge-offs (x) | 361.3333% | 392 |
| Efficiency ratio | 51.0589% | 3,829 |
| Assets per employee ($millions) | 9.2884% | 838 |
| Cash dividends to net income (ytd only)* | 28.8259% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 2,093 |
| Loan loss allowance to noncurrent loans | 1,420.7987% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 3,227 |
| Noncurrent loans to loans | 0.0882% | 3,143 |
| Net loans and leases to total assets | 66.4900% | 2,202 |
| Net loans and leases to deposits | 80.3832% | 2,011 |
| Net loans and leases to core deposits | 90.4125% | 1,903 |
| Total domestic deposits to total assets | 82.7200% | 3,065 |
| Equity capital to assets | 7.5854% | 3,303 |
| Core capital (leverage) ratio | 11.4519% | 1,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1717% | 2,213 |
| Memoranda: | ||
| Average total assets | $980,979,250 | 1,006 |
| Average earning assets | $925,523,500 | 975 |
| Average equity | $78,505,500 | 1,141 |
| Average total loans | $664,072,750 | 1,006 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7074% | 2,188 |
| Cost of funding earning assets | 1.4469% | 1,345 |
| Net interest margin | 3.2605% | 2,843 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 1.7082% | 4,135 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.3230% | 1,505 |
| Return on assets (ROA) | 1.2635% | 1,649 |
| Pretax return on assets | 1.5767% | 1,454 |
| Return on Equity (ROE) | 15.5100% | 1,359 |
| Retained earnings to average equity (ytd only) | 11.3057% | 1,127 |
| Net charge-offs to loans | 0.0043% | 2,146 |
| Credit loss provision to net charge-offs | 3,214.2857% | 165 |
| Earnings coverage of net charge-offs (x) | 604.4286% | 242 |
| Efficiency ratio | 49.4836% | 3,967 |
| Assets per employee ($millions) | 9.0603% | 895 |
| Cash dividends to net income (ytd only)* | 27.0918% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 2,298 |
| Loan loss allowance to noncurrent loans | 1,291.9380% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 3,113 |
| Noncurrent loans to loans | 0.0951% | 3,022 |
| Net loans and leases to total assets | 68.4500% | 1,918 |
| Net loans and leases to deposits | 83.3431% | 1,734 |
| Net loans and leases to core deposits | 93.2385% | 1,612 |
| Total domestic deposits to total assets | 82.1300% | 3,208 |
| Equity capital to assets | 8.2950% | 3,028 |
| Core capital (leverage) ratio | 11.5896% | 1,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2478% | 2,197 |
| Memoranda: | ||
| Average total assets | $970,495,000 | 1,004 |
| Average earning assets | $916,471,333 | 975 |
| Average equity | $79,075,000 | 1,132 |
| Average total loans | $658,191,667 | 997 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5256% | 2,260 |
| Cost of funding earning assets | 1.1504% | 1,593 |
| Net interest margin | 3.3751% | 2,700 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 1.7370% | 4,142 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.3934% | 1,426 |
| Return on assets (ROA) | 1.2925% | 1,667 |
| Pretax return on assets | 1.6050% | 1,446 |
| Return on Equity (ROE) | 16.0100% | 1,353 |
| Retained earnings to average equity (ytd only) | 11.7495% | 1,312 |
| Net charge-offs to loans | 0.0037% | 1,864 |
| Credit loss provision to net charge-offs | 3,750.0000% | 116 |
| Earnings coverage of net charge-offs (x) | 734.0000% | 157 |
| Efficiency ratio | 48.7967% | 4,041 |
| Assets per employee ($millions) | 8.5152% | 1,122 |
| Cash dividends to net income (ytd only)* | 26.6090% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 2,304 |
| Loan loss allowance to noncurrent loans | 1,313.2686% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 3,155 |
| Noncurrent loans to loans | 0.0950% | 3,073 |
| Net loans and leases to total assets | 66.7600% | 1,979 |
| Net loans and leases to deposits | 80.9593% | 1,751 |
| Net loans and leases to core deposits | 87.8210% | 1,754 |
| Total domestic deposits to total assets | 82.4600% | 3,413 |
| Equity capital to assets | 8.3718% | 2,990 |
| Core capital (leverage) ratio | 11.5924% | 1,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1896% | 2,309 |
| Memoranda: | ||
| Average total assets | $966,487,000 | 1,023 |
| Average earning assets | $913,390,000 | 995 |
| Average equity | $78,029,000 | 1,151 |
| Average total loans | $648,214,000 | 1,019 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5159% | 3,034 |
| Cost of funding earning assets | 0.3733% | 2,303 |
| Net interest margin | 3.1427% | 3,051 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 1.6478% | 4,250 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.3011% | 1,422 |
| Return on assets (ROA) | 1.3254% | 1,312 |
| Pretax return on assets | 1.6521% | 1,033 |
| Return on Equity (ROE) | 15.7400% | 1,096 |
| Retained earnings to average equity (ytd only) | 10.5847% | 987 |
| Net charge-offs to loans | -0.0010% | 3,355 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 49.0486% | 4,183 |
| Assets per employee ($millions) | 8.9060% | 948 |
| Cash dividends to net income (ytd only)* | 32.7345% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 2,281 |
| Loan loss allowance to noncurrent loans | 1,084.7527% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 3,041 |
| Noncurrent loans to loans | 0.1127% | 2,965 |
| Net loans and leases to total assets | 65.7200% | 2,069 |
| Net loans and leases to deposits | 79.6235% | 1,800 |
| Net loans and leases to core deposits | 84.3537% | 1,858 |
| Total domestic deposits to total assets | 82.5400% | 3,529 |
| Equity capital to assets | 7.7778% | 3,206 |
| Core capital (leverage) ratio | 11.0672% | 1,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2213% | 2,278 |
| Memoranda: | ||
| Average total assets | $999,615,800 | 979 |
| Average earning assets | $950,217,000 | 946 |
| Average equity | $84,196,800 | 1,086 |
| Average total loans | $605,340,200 | 1,028 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2726% | 3,255 |
| Cost of funding earning assets | 0.2699% | 2,490 |
| Net interest margin | 3.0027% | 3,212 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 1.6149% | 4,291 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.2177% | 1,643 |
| Return on assets (ROA) | 1.1898% | 1,714 |
| Pretax return on assets | 1.4805% | 1,468 |
| Return on Equity (ROE) | 13.8700% | 1,467 |
| Retained earnings to average equity (ytd only) | 10.2903% | 1,258 |
| Net charge-offs to loans | 0.0047% | 2,014 |
| Credit loss provision to net charge-offs | 3,214.2857% | 170 |
| Earnings coverage of net charge-offs (x) | 577.0476% | 273 |
| Efficiency ratio | 50.1584% | 4,150 |
| Assets per employee ($millions) | 9.0575% | 877 |
| Cash dividends to net income (ytd only)* | 25.8097% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 2,289 |
| Loan loss allowance to noncurrent loans | 871.7218% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.0888% | 3,042 |
| Noncurrent loans to loans | 0.1428% | 2,909 |
| Net loans and leases to total assets | 61.4400% | 2,360 |
| Net loans and leases to deposits | 73.7040% | 2,082 |
| Net loans and leases to core deposits | 77.0029% | 2,111 |
| Total domestic deposits to total assets | 83.3600% | 3,632 |
| Equity capital to assets | 7.5796% | 3,165 |
| Core capital (leverage) ratio | 10.8871% | 1,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3011% | 2,356 |
| Memoranda: | ||
| Average total assets | $1,006,830,750 | 982 |
| Average earning assets | $958,303,250 | 947 |
| Average equity | $86,370,250 | 1,080 |
| Average total loans | $595,196,000 | 1,041 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0678% | 3,381 |
| Cost of funding earning assets | 0.2477% | 2,302 |
| Net interest margin | 2.8201% | 3,379 |
| Noninterest income to average assets | 0.3558% | 3,021 |
| Noninterest expense to average assets | 1.5799% | 4,327 |
| Loan and lease loss provision to assets | 0.0888% | 1,108 |
| Net operating income to assets | 1.1078% | 1,744 |
| Return on assets (ROA) | 1.1141% | 1,699 |
| Pretax return on assets | 1.3849% | 1,483 |
| Return on Equity (ROE) | 12.5143% | 1,522 |
| Retained earnings to average equity (ytd only) | 9.0826% | 1,261 |
| Net charge-offs to loans | 0.0584% | 814 |
| Credit loss provision to net charge-offs | 261.6279% | 850 |
| Earnings coverage of net charge-offs (x) | 43.1802% | 1,223 |
| Efficiency ratio | 51.8727% | 4,134 |
| Assets per employee ($millions) | 9.0568% | 862 |
| Cash dividends to net income (ytd only)* | 27.4225% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 2,668 |
| Loan loss allowance to noncurrent loans | 1,238.3305% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 3,381 |
| Noncurrent loans to loans | 0.0971% | 3,278 |
| Net loans and leases to total assets | 61.0780% | 2,216 |
| Net loans and leases to deposits | 74.3761% | 1,826 |
| Net loans and leases to core deposits | 77.8843% | 1,856 |
| Total domestic deposits to total assets | 82.1206% | 3,993 |
| Equity capital to assets | 8.1704% | 2,994 |
| Core capital (leverage) ratio | 10.6256% | 1,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1739% | 2,428 |
| Memoranda: | ||
| Average total assets | $1,013,353,000 | 963 |
| Average earning assets | $966,554,333 | 940 |
| Average equity | $90,216,667 | 1,051 |
| Average total loans | $588,864,000 | 1,039 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9522% | 3,392 |
| Cost of funding earning assets | 0.2413% | 2,254 |
| Net interest margin | 2.7110% | 3,377 |
| Noninterest income to average assets | 0.3472% | 3,015 |
| Noninterest expense to average assets | 1.4988% | 4,431 |
| Loan and lease loss provision to assets | 0.0873% | 949 |
| Net operating income to assets | 1.0885% | 1,555 |
| Return on assets (ROA) | 1.1578% | 1,357 |
| Pretax return on assets | 1.4414% | 1,148 |
| Return on Equity (ROE) | 12.5159% | 1,153 |
| Retained earnings to average equity (ytd only) | 9.2569% | 1,199 |
| Net charge-offs to loans | 0.1067% | 500 |
| Credit loss provision to net charge-offs | 145.1613% | 874 |
| Earnings coverage of net charge-offs (x) | 23.9806% | 1,220 |
| Efficiency ratio | 50.9631% | 4,258 |
| Assets per employee ($millions) | 9.3747% | 801 |
| Cash dividends to net income (ytd only)* | 26.0389% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 2,699 |
| Loan loss allowance to noncurrent loans | 889.2947% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 3,277 |
| Noncurrent loans to loans | 0.1383% | 3,115 |
| Net loans and leases to total assets | 57.0459% | 2,412 |
| Net loans and leases to deposits | 70.3445% | 1,934 |
| Net loans and leases to core deposits | 73.9234% | 1,944 |
| Total domestic deposits to total assets | 81.0951% | 4,191 |
| Equity capital to assets | 9.0181% | 2,694 |
| Core capital (leverage) ratio | 10.3622% | 1,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0385% | 2,595 |
| Memoranda: | ||
| Average total assets | $1,030,965,000 | 952 |
| Average earning assets | $986,367,000 | 928 |
| Average equity | $95,366,500 | 1,023 |
| Average total loans | $580,950,500 | 1,042 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0507% | 3,781 |
| Cost of funding earning assets | 0.2916% | 2,483 |
| Net interest margin | 2.7591% | 3,759 |
| Noninterest income to average assets | 0.3574% | 3,295 |
| Noninterest expense to average assets | 1.4485% | 4,587 |
| Loan and lease loss provision to assets | 0.0893% | 1,389 |
| Net operating income to assets | 1.1725% | 2,016 |
| Return on assets (ROA) | 1.2527% | 1,791 |
| Pretax return on assets | 1.5599% | 1,543 |
| Return on Equity (ROE) | 12.8698% | 1,498 |
| Retained earnings to average equity (ytd only) | 8.7838% | 1,262 |
| Net charge-offs to loans | 0.0133% | 2,059 |
| Credit loss provision to net charge-offs | 1,111.1111% | 490 |
| Earnings coverage of net charge-offs (x) | 192.6667% | 559 |
| Efficiency ratio | 48.3245% | 4,385 |
| Assets per employee ($millions) | 10.1735% | 633 |
| Cash dividends to net income (ytd only)* | 31.7487% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 2,932 |
| Loan loss allowance to noncurrent loans | 768.2418% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 3,345 |
| Noncurrent loans to loans | 0.1548% | 3,162 |
| Net loans and leases to total assets | 54.3875% | 2,802 |
| Net loans and leases to deposits | 69.1038% | 2,215 |
| Net loans and leases to core deposits | 72.4617% | 2,216 |
| Total domestic deposits to total assets | 78.7040% | 4,339 |
| Equity capital to assets | 9.4662% | 3,174 |
| Core capital (leverage) ratio | 9.7172% | 2,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5355% | 2,768 |
| Memoranda: | ||
| Average total assets | $1,007,495,800 | 952 |
| Average earning assets | $964,034,200 | 933 |
| Average equity | $98,066,600 | 1,026 |
| Average total loans | $607,720,200 | 997 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1056% | 3,794 |
| Cost of funding earning assets | 0.3024% | 2,569 |
| Net interest margin | 2.8032% | 3,774 |
| Noninterest income to average assets | 0.3453% | 3,385 |
| Noninterest expense to average assets | 1.4354% | 4,657 |
| Loan and lease loss provision to assets | 0.0907% | 1,322 |
| Net operating income to assets | 1.2036% | 2,159 |
| Return on assets (ROA) | 1.2457% | 2,068 |
| Pretax return on assets | 1.5509% | 1,845 |
| Return on Equity (ROE) | 12.7036% | 1,797 |
| Retained earnings to average equity (ytd only) | 9.5054% | 1,481 |
| Net charge-offs to loans | 0.0024% | 2,286 |
| Credit loss provision to net charge-offs | 6,136.3636% | 129 |
| Earnings coverage of net charge-offs (x) | 1,075.1818% | 152 |
| Efficiency ratio | 47.4589% | 4,408 |
| Assets per employee ($millions) | 9.5821% | 742 |
| Cash dividends to net income (ytd only)* | 25.1753% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 3,105 |
| Loan loss allowance to noncurrent loans | 1,107.9417% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.0591% | 3,728 |
| Noncurrent loans to loans | 0.1059% | 3,565 |
| Net loans and leases to total assets | 55.1152% | 2,839 |
| Net loans and leases to deposits | 72.6432% | 1,996 |
| Net loans and leases to core deposits | 76.4854% | 2,002 |
| Total domestic deposits to total assets | 75.8712% | 4,550 |
| Equity capital to assets | 9.6137% | 3,279 |
| Core capital (leverage) ratio | 10.0496% | 2,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5717% | 2,837 |
| Memoranda: | ||
| Average total assets | $992,315,750 | 981 |
| Average earning assets | $948,409,250 | 958 |
| Average equity | $97,303,500 | 1,050 |
| Average total loans | $612,658,500 | 1,009 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1119% | 3,840 |
| Cost of funding earning assets | 0.3193% | 2,593 |
| Net interest margin | 2.7926% | 3,804 |
| Noninterest income to average assets | 0.3450% | 3,380 |
| Noninterest expense to average assets | 1.4321% | 4,693 |
| Loan and lease loss provision to assets | 0.0923% | 1,356 |
| Net operating income to assets | 1.1960% | 2,208 |
| Return on assets (ROA) | 1.2797% | 2,001 |
| Pretax return on assets | 1.5935% | 1,746 |
| Return on Equity (ROE) | 12.9597% | 1,728 |
| Retained earnings to average equity (ytd only) | 9.7270% | 1,491 |
| Net charge-offs to loans | 0.0055% | 1,947 |
| Credit loss provision to net charge-offs | 2,647.0588% | 229 |
| Earnings coverage of net charge-offs (x) | 453.4118% | 285 |
| Efficiency ratio | 47.5254% | 4,424 |
| Assets per employee ($millions) | 9.3671% | 752 |
| Cash dividends to net income (ytd only)* | 24.9439% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 3,459 |
| Loan loss allowance to noncurrent loans | 633.8772% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 3,526 |
| Noncurrent loans to loans | 0.1722% | 3,356 |
| Net loans and leases to total assets | 60.2782% | 2,394 |
| Net loans and leases to deposits | 80.7939% | 1,355 |
| Net loans and leases to core deposits | 85.3158% | 1,468 |
| Total domestic deposits to total assets | 74.6073% | 4,636 |
| Equity capital to assets | 9.9033% | 2,938 |
| Core capital (leverage) ratio | 10.0366% | 2,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4877% | 2,859 |
| Memoranda: | ||
| Average total assets | $974,937,000 | 985 |
| Average earning assets | $931,533,333 | 962 |
| Average equity | $96,267,667 | 1,054 |
| Average total loans | $622,715,333 | 988 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1251% | 3,840 |
| Cost of funding earning assets | 0.3413% | 2,603 |
| Net interest margin | 2.7838% | 3,800 |
| Noninterest income to average assets | 0.3408% | 3,393 |
| Noninterest expense to average assets | 1.4307% | 4,712 |
| Loan and lease loss provision to assets | 0.0932% | 1,437 |
| Net operating income to assets | 1.1846% | 2,213 |
| Return on assets (ROA) | 1.2634% | 2,014 |
| Pretax return on assets | 1.5736% | 1,791 |
| Return on Equity (ROE) | 12.8145% | 1,723 |
| Retained earnings to average equity (ytd only) | 9.5468% | 1,787 |
| Net charge-offs to loans | 0.0095% | 1,577 |
| Credit loss provision to net charge-offs | 1,500.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 252.4667% | 343 |
| Efficiency ratio | 47.7078% | 4,360 |
| Assets per employee ($millions) | 9.2089% | 775 |
| Cash dividends to net income (ytd only)* | 25.4998% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 3,836 |
| Loan loss allowance to noncurrent loans | 1,094.6827% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 3,955 |
| Noncurrent loans to loans | 0.0913% | 3,846 |
| Net loans and leases to total assets | 64.1260% | 2,023 |
| Net loans and leases to deposits | 85.4840% | 996 |
| Net loans and leases to core deposits | 90.3869% | 1,204 |
| Total domestic deposits to total assets | 75.0152% | 4,629 |
| Equity capital to assets | 9.6214% | 3,078 |
| Core capital (leverage) ratio | 9.9224% | 2,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3779% | 2,847 |
| Memoranda: | ||
| Average total assets | $965,949,000 | 982 |
| Average earning assets | $922,349,500 | 957 |
| Average equity | $95,236,000 | 1,051 |
| Average total loans | $631,515,500 | 972 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5422% | 3,938 |
| Cost of funding earning assets | 0.5961% | 2,343 |
| Net interest margin | 2.9461% | 4,017 |
| Noninterest income to average assets | 0.3598% | 3,309 |
| Noninterest expense to average assets | 1.6104% | 4,696 |
| Loan and lease loss provision to assets | 0.0790% | 3,390 |
| Net operating income to assets | 1.1895% | 1,584 |
| Return on assets (ROA) | 1.2210% | 1,589 |
| Pretax return on assets | 1.5368% | 1,231 |
| Return on Equity (ROE) | 11.3171% | 1,520 |
| Retained earnings to average equity (ytd only) | 7.2821% | 1,286 |
| Net charge-offs to loans | 0.0757% | 1,727 |
| Credit loss provision to net charge-offs | 153.0612% | 2,407 |
| Earnings coverage of net charge-offs (x) | 30.5193% | 1,596 |
| Efficiency ratio | 50.5402% | 4,496 |
| Assets per employee ($millions) | 8.9297% | 760 |
| Cash dividends to net income (ytd only)* | 35.6540% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9879% | 3,919 |
| Loan loss allowance to noncurrent loans | 1,020.1653% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 4,023 |
| Noncurrent loans to loans | 0.0968% | 3,909 |
| Net loans and leases to total assets | 65.3545% | 2,176 |
| Net loans and leases to deposits | 86.5572% | 1,208 |
| Net loans and leases to core deposits | 91.6432% | 1,413 |
| Total domestic deposits to total assets | 75.5044% | 4,540 |
| Equity capital to assets | 10.1070% | 3,026 |
| Core capital (leverage) ratio | 10.1963% | 2,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3520% | 2,832 |
| Memoranda: | ||
| Average total assets | $854,019,600 | 1,005 |
| Average earning assets | $819,354,600 | 983 |
| Average equity | $92,143,800 | 1,037 |
| Average total loans | $582,616,200 | 1,004 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5510% | 4,123 |
| Cost of funding earning assets | 0.6638% | 2,239 |
| Net interest margin | 2.8872% | 4,202 |
| Noninterest income to average assets | 0.3420% | 3,425 |
| Noninterest expense to average assets | 1.6241% | 4,710 |
| Loan and lease loss provision to assets | 0.0722% | 3,420 |
| Net operating income to assets | 1.1236% | 1,904 |
| Return on assets (ROA) | 1.1074% | 2,080 |
| Pretax return on assets | 1.3996% | 1,734 |
| Return on Equity (ROE) | 10.0820% | 1,986 |
| Retained earnings to average equity (ytd only) | 6.6648% | 1,824 |
| Net charge-offs to loans | 0.0429% | 2,010 |
| Credit loss provision to net charge-offs | 244.5652% | 1,942 |
| Earnings coverage of net charge-offs (x) | 50.5435% | 1,185 |
| Efficiency ratio | 52.1137% | 4,335 |
| Assets per employee ($millions) | 8.4333% | 865 |
| Cash dividends to net income (ytd only)* | 33.8936% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9669% | 3,821 |
| Loan loss allowance to noncurrent loans | 912.3529% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 4,059 |
| Noncurrent loans to loans | 0.1060% | 3,943 |
| Net loans and leases to total assets | 69.7632% | 1,989 |
| Net loans and leases to deposits | 93.9545% | 927 |
| Net loans and leases to core deposits | 99.3171% | 1,213 |
| Total domestic deposits to total assets | 74.2521% | 4,553 |
| Equity capital to assets | 10.2941% | 2,968 |
| Core capital (leverage) ratio | 10.5247% | 2,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9529% | 2,633 |
| Memoranda: | ||
| Average total assets | $830,887,250 | 1,012 |
| Average earning assets | $798,443,750 | 989 |
| Average equity | $91,262,750 | 1,034 |
| Average total loans | $572,074,250 | 1,017 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6611% | 4,155 |
| Cost of funding earning assets | 0.7503% | 2,120 |
| Net interest margin | 2.9108% | 4,292 |
| Noninterest income to average assets | 0.3578% | 3,335 |
| Noninterest expense to average assets | 1.6928% | 4,689 |
| Loan and lease loss provision to assets | 0.0560% | 3,600 |
| Net operating income to assets | 1.1098% | 1,938 |
| Return on assets (ROA) | 1.0703% | 2,195 |
| Pretax return on assets | 1.3531% | 1,856 |
| Return on Equity (ROE) | 9.5189% | 2,141 |
| Retained earnings to average equity (ytd only) | 6.0687% | 2,047 |
| Net charge-offs to loans | 0.0674% | 1,576 |
| Credit loss provision to net charge-offs | 121.6216% | 2,272 |
| Earnings coverage of net charge-offs (x) | 31.7135% | 1,390 |
| Efficiency ratio | 53.7084% | 4,211 |
| Assets per employee ($millions) | 8.0733% | 940 |
| Cash dividends to net income (ytd only)* | 36.2454% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9556% | 3,774 |
| Loan loss allowance to noncurrent loans | 1,006.3973% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 4,194 |
| Noncurrent loans to loans | 0.0950% | 4,077 |
| Net loans and leases to total assets | 69.7688% | 2,067 |
| Net loans and leases to deposits | 92.2292% | 1,135 |
| Net loans and leases to core deposits | 97.5226% | 1,453 |
| Total domestic deposits to total assets | 75.6472% | 4,459 |
| Equity capital to assets | 10.3651% | 2,869 |
| Core capital (leverage) ratio | 10.6358% | 2,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2300% | 3,134 |
| Memoranda: | ||
| Average total assets | $804,249,333 | 1,027 |
| Average earning assets | $771,950,000 | 999 |
| Average equity | $90,430,667 | 1,032 |
| Average total loans | $548,896,333 | 1,039 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8367% | 4,160 |
| Cost of funding earning assets | 0.9132% | 1,802 |
| Net interest margin | 2.9235% | 4,399 |
| Noninterest income to average assets | 0.4114% | 3,022 |
| Noninterest expense to average assets | 1.8380% | 4,622 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0404% | 2,037 |
| Return on assets (ROA) | 0.8212% | 2,918 |
| Pretax return on assets | 1.0961% | 2,537 |
| Return on Equity (ROE) | 6.9849% | 2,957 |
| Retained earnings to average equity (ytd only) | 3.5036% | 2,886 |
| Net charge-offs to loans | -0.0337% | 4,512 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2292% | 4,090 |
| Assets per employee ($millions) | 7.0006% | 1,087 |
| Cash dividends to net income (ytd only)* | 49.8403% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 2,863 |
| Loan loss allowance to noncurrent loans | 630.8017% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 4,015 |
| Noncurrent loans to loans | 0.1845% | 3,812 |
| Net loans and leases to total assets | 65.9610% | 2,821 |
| Net loans and leases to deposits | 87.6004% | 1,798 |
| Net loans and leases to core deposits | 94.0057% | 1,977 |
| Total domestic deposits to total assets | 75.2976% | 4,555 |
| Equity capital to assets | 11.6733% | 2,309 |
| Core capital (leverage) ratio | 11.9895% | 1,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4056% | 2,529 |
| Memoranda: | ||
| Average total assets | $762,340,500 | 1,039 |
| Average earning assets | $730,219,500 | 1,008 |
| Average equity | $89,621,500 | 1,034 |
| Average total loans | $510,558,500 | 1,083 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3440% | 3,410 |
| Cost of funding earning assets | 0.9382% | 2,019 |
| Net interest margin | 3.4059% | 3,730 |
| Noninterest income to average assets | 0.4548% | 2,983 |
| Noninterest expense to average assets | 1.9162% | 4,641 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4394% | 1,222 |
| Return on assets (ROA) | 1.4902% | 1,138 |
| Pretax return on assets | 1.8503% | 837 |
| Return on Equity (ROE) | 12.0019% | 1,512 |
| Retained earnings to average equity (ytd only) | 7.6099% | 1,109 |
| Net charge-offs to loans | -0.0731% | 4,897 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7372% | 4,624 |
| Assets per employee ($millions) | 7.0525% | 1,019 |
| Cash dividends to net income (ytd only)* | 36.5941% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 2,588 |
| Loan loss allowance to noncurrent loans | 757.3980% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.1039% | 4,106 |
| Noncurrent loans to loans | 0.1546% | 3,909 |
| Net loans and leases to total assets | 66.4254% | 2,901 |
| Net loans and leases to deposits | 85.7926% | 2,121 |
| Net loans and leases to core deposits | 92.9521% | 2,167 |
| Total domestic deposits to total assets | 77.4255% | 4,442 |
| Equity capital to assets | 11.8485% | 2,240 |
| Core capital (leverage) ratio | 12.1887% | 1,663 |
| Tier 1 risk-based capital ratio | 13.0357% | 3,776 |
| Total risk-based capital ratio | 13.9014% | 3,860 |
| Memoranda: | ||
| Average total assets | $696,275,800 | 1,075 |
| Average earning assets | $664,173,400 | 1,042 |
| Average equity | $86,453,000 | 1,019 |
| Average total loans | $511,764,000 | 1,057 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4548% | 3,191 |
| Cost of funding earning assets | 0.9222% | 2,130 |
| Net interest margin | 3.5326% | 3,461 |
| Noninterest income to average assets | 0.4448% | 3,053 |
| Noninterest expense to average assets | 1.9637% | 4,619 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4760% | 1,253 |
| Return on assets (ROA) | 1.4802% | 1,306 |
| Pretax return on assets | 1.8526% | 975 |
| Return on Equity (ROE) | 11.7723% | 1,699 |
| Retained earnings to average equity (ytd only) | 8.3952% | 1,245 |
| Net charge-offs to loans | 0.0127% | 2,916 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 192.7601% | 449 |
| Efficiency ratio | 51.5268% | 4,637 |
| Assets per employee ($millions) | 6.6222% | 1,216 |
| Cash dividends to net income (ytd only)* | 28.6865% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 3,190 |
| Loan loss allowance to noncurrent loans | 526.2405% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.1465% | 4,010 |
| Noncurrent loans to loans | 0.2028% | 3,817 |
| Net loans and leases to total assets | 71.4874% | 2,250 |
| Net loans and leases to deposits | 91.4998% | 1,502 |
| Net loans and leases to core deposits | 98.2577% | 1,809 |
| Total domestic deposits to total assets | 78.1284% | 4,320 |
| Equity capital to assets | 12.3361% | 2,019 |
| Core capital (leverage) ratio | 12.7248% | 1,473 |
| Tier 1 risk-based capital ratio | 12.9114% | 3,899 |
| Total risk-based capital ratio | 13.7185% | 4,045 |
| Memoranda: | ||
| Average total assets | $681,690,250 | 1,097 |
| Average earning assets | $649,589,750 | 1,063 |
| Average equity | $85,713,500 | 1,021 |
| Average total loans | $512,906,000 | 1,053 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4693% | 3,110 |
| Cost of funding earning assets | 0.8756% | 2,272 |
| Net interest margin | 3.5937% | 3,275 |
| Noninterest income to average assets | 0.4388% | 3,018 |
| Noninterest expense to average assets | 2.0262% | 4,564 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4702% | 1,230 |
| Return on assets (ROA) | 1.5525% | 1,049 |
| Pretax return on assets | 1.9457% | 759 |
| Return on Equity (ROE) | 12.2650% | 1,485 |
| Retained earnings to average equity (ytd only) | 8.8530% | 1,077 |
| Net charge-offs to loans | 0.0192% | 2,489 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 126.0816% | 579 |
| Efficiency ratio | 52.3707% | 4,625 |
| Assets per employee ($millions) | 6.1129% | 1,462 |
| Cash dividends to net income (ytd only)* | 27.8194% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0467% | 3,354 |
| Loan loss allowance to noncurrent loans | 1,103.0000% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 4,391 |
| Noncurrent loans to loans | 0.0949% | 4,255 |
| Net loans and leases to total assets | 77.5406% | 1,305 |
| Net loans and leases to deposits | 100.8089% | 620 |
| Net loans and leases to core deposits | 107.1473% | 1,163 |
| Total domestic deposits to total assets | 76.9183% | 4,570 |
| Equity capital to assets | 12.8943% | 1,643 |
| Core capital (leverage) ratio | 13.0455% | 1,278 |
| Tier 1 risk-based capital ratio | 12.5055% | 4,120 |
| Total risk-based capital ratio | 13.3009% | 4,272 |
| Memoranda: | ||
| Average total assets | $670,519,670 | 1,111 |
| Average earning assets | $640,003,670 | 1,074 |
| Average equity | $84,875,330 | 1,024 |
| Average total loans | $511,610,000 | 1,054 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3922% | 3,254 |
| Cost of funding earning assets | 0.7965% | 2,557 |
| Net interest margin | 3.5957% | 3,260 |
| Noninterest income to average assets | 0.4313% | 2,969 |
| Noninterest expense to average assets | 2.0234% | 4,596 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4702% | 1,180 |
| Return on assets (ROA) | 1.4702% | 1,206 |
| Pretax return on assets | 1.8412% | 887 |
| Return on Equity (ROE) | 11.7245% | 1,642 |
| Retained earnings to average equity (ytd only) | 8.2753% | 1,560 |
| Net charge-offs to loans | 0.0016% | 2,707 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 1,541.0000% | 26 |
| Efficiency ratio | 52.3574% | 4,674 |
| Assets per employee ($millions) | 6.0642% | 1,499 |
| Cash dividends to net income (ytd only)* | 29.4189% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1015% | 3,118 |
| Loan loss allowance to noncurrent loans | 895.6522% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.0939% | 4,343 |
| Noncurrent loans to loans | 0.1230% | 4,191 |
| Net loans and leases to total assets | 75.5509% | 1,547 |
| Net loans and leases to deposits | 99.6689% | 660 |
| Net loans and leases to core deposits | 105.0982% | 1,237 |
| Total domestic deposits to total assets | 75.8019% | 4,785 |
| Equity capital to assets | 12.8496% | 1,541 |
| Core capital (leverage) ratio | 12.4681% | 1,534 |
| Tier 1 risk-based capital ratio | 12.3637% | 4,255 |
| Total risk-based capital ratio | 13.3178% | 4,312 |
| Memoranda: | ||
| Average total assets | $669,569,000 | 1,112 |
| Average earning assets | $639,322,000 | 1,081 |
| Average equity | $83,961,000 | 1,027 |
| Average total loans | $503,958,000 | 1,072 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9855% | 4,069 |
| Cost of funding earning assets | 0.5101% | 3,290 |
| Net interest margin | 3.4753% | 3,785 |
| Noninterest income to average assets | 0.4829% | 2,931 |
| Noninterest expense to average assets | 2.0450% | 4,669 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4030% | 1,426 |
| Return on assets (ROA) | 1.4030% | 1,413 |
| Pretax return on assets | 1.7569% | 1,035 |
| Return on Equity (ROE) | 11.0270% | 2,073 |
| Retained earnings to average equity (ytd only) | 6.7426% | 1,788 |
| Net charge-offs to loans | 0.0034% | 3,617 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 740.0000% | 150 |
| Efficiency ratio | 53.7885% | 4,636 |
| Assets per employee ($millions) | 6.5205% | 1,205 |
| Cash dividends to net income (ytd only)* | 38.8538% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 3,058 |
| Loan loss allowance to noncurrent loans | 848.1707% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 4,343 |
| Noncurrent loans to loans | 0.1304% | 4,152 |
| Net loans and leases to total assets | 73.3477% | 2,035 |
| Net loans and leases to deposits | 97.0360% | 968 |
| Net loans and leases to core deposits | 103.5525% | 1,450 |
| Total domestic deposits to total assets | 75.5881% | 4,801 |
| Equity capital to assets | 12.2374% | 1,738 |
| Core capital (leverage) ratio | 12.1423% | 1,647 |
| Tier 1 risk-based capital ratio | 12.0624% | 4,388 |
| Total risk-based capital ratio | 13.0017% | 4,469 |
| Memoranda: | ||
| Average total assets | $631,788,600 | 1,156 |
| Average earning assets | $603,366,800 | 1,109 |
| Average equity | $80,384,600 | 1,025 |
| Average total loans | $447,316,000 | 1,149 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8922% | 4,232 |
| Cost of funding earning assets | 0.4477% | 3,533 |
| Net interest margin | 3.4445% | 3,876 |
| Noninterest income to average assets | 0.4742% | 3,019 |
| Noninterest expense to average assets | 2.0030% | 4,737 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4045% | 1,472 |
| Return on assets (ROA) | 1.4045% | 1,470 |
| Pretax return on assets | 1.7592% | 1,112 |
| Return on Equity (ROE) | 10.9244% | 2,209 |
| Retained earnings to average equity (ytd only) | 7.5867% | 1,856 |
| Net charge-offs to loans | -0.0083% | 4,348 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2400% | 4,683 |
| Assets per employee ($millions) | 6.1195% | 1,404 |
| Cash dividends to net income (ytd only)* | 30.5526% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 2,434 |
| Loan loss allowance to noncurrent loans | 535.4346% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 4,118 |
| Noncurrent loans to loans | 0.2304% | 3,883 |
| Net loans and leases to total assets | 71.9008% | 2,344 |
| Net loans and leases to deposits | 96.3650% | 1,111 |
| Net loans and leases to core deposits | 100.9129% | 1,708 |
| Total domestic deposits to total assets | 74.6129% | 4,926 |
| Equity capital to assets | 13.1776% | 1,261 |
| Core capital (leverage) ratio | 13.1714% | 1,218 |
| Tier 1 risk-based capital ratio | 12.8493% | 3,993 |
| Total risk-based capital ratio | 13.8734% | 4,034 |
| Memoranda: | ||
| Average total assets | $620,201,500 | 1,172 |
| Average earning assets | $592,006,000 | 1,132 |
| Average equity | $79,734,250 | 1,026 |
| Average total loans | $433,404,500 | 1,173 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7683% | 4,425 |
| Cost of funding earning assets | 0.4179% | 3,586 |
| Net interest margin | 3.3504% | 4,106 |
| Noninterest income to average assets | 0.4754% | 3,003 |
| Noninterest expense to average assets | 1.9733% | 4,843 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3587% | 1,573 |
| Return on assets (ROA) | 1.3587% | 1,578 |
| Pretax return on assets | 1.7022% | 1,204 |
| Return on Equity (ROE) | 10.6613% | 2,249 |
| Retained earnings to average equity (ytd only) | 7.2859% | 1,931 |
| Net charge-offs to loans | 0.0042% | 3,026 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 585.2222% | 150 |
| Efficiency ratio | 53.6886% | 4,722 |
| Assets per employee ($millions) | 5.9320% | 1,515 |
| Cash dividends to net income (ytd only)* | 31.6603% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2773% | 2,288 |
| Loan loss allowance to noncurrent loans | 563.1951% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 4,174 |
| Noncurrent loans to loans | 0.2268% | 3,907 |
| Net loans and leases to total assets | 70.4627% | 2,512 |
| Net loans and leases to deposits | 92.4516% | 1,528 |
| Net loans and leases to core deposits | 95.8810% | 2,068 |
| Total domestic deposits to total assets | 76.2159% | 4,835 |
| Equity capital to assets | 13.1403% | 1,244 |
| Core capital (leverage) ratio | 13.2190% | 1,152 |
| Tier 1 risk-based capital ratio | 12.9523% | 3,916 |
| Total risk-based capital ratio | 13.9783% | 3,954 |
| Memoranda: | ||
| Average total assets | $618,849,330 | 1,175 |
| Average earning assets | $591,096,000 | 1,138 |
| Average equity | $78,865,000 | 1,034 |
| Average total loans | $426,405,330 | 1,195 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6216% | 4,658 |
| Cost of funding earning assets | 0.3936% | 3,637 |
| Net interest margin | 3.2280% | 4,379 |
| Noninterest income to average assets | 0.4689% | 2,999 |
| Noninterest expense to average assets | 1.9435% | 4,951 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2961% | 1,655 |
| Return on assets (ROA) | 1.2961% | 1,658 |
| Pretax return on assets | 1.6224% | 1,325 |
| Return on Equity (ROE) | 10.3283% | 2,264 |
| Retained earnings to average equity (ytd only) | 6.9145% | 2,319 |
| Net charge-offs to loans | 0.0370% | 1,781 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 64.7692% | 799 |
| Efficiency ratio | 54.5029% | 4,748 |
| Assets per employee ($millions) | 5.9501% | 1,554 |
| Cash dividends to net income (ytd only)* | 33.0525% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3308% | 2,098 |
| Loan loss allowance to noncurrent loans | 754.7684% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 4,498 |
| Noncurrent loans to loans | 0.1763% | 4,184 |
| Net loans and leases to total assets | 67.0199% | 2,889 |
| Net loans and leases to deposits | 90.4604% | 1,635 |
| Net loans and leases to core deposits | 94.5821% | 2,091 |
| Total domestic deposits to total assets | 74.0876% | 5,146 |
| Equity capital to assets | 12.8595% | 1,315 |
| Core capital (leverage) ratio | 12.7338% | 1,277 |
| Tier 1 risk-based capital ratio | 13.3075% | 3,775 |
| Total risk-based capital ratio | 14.3642% | 3,800 |
| Memoranda: | ||
| Average total assets | $622,778,500 | 1,183 |
| Average earning assets | $597,519,000 | 1,135 |
| Average equity | $78,154,500 | 1,047 |
| Average total loans | $421,562,500 | 1,214 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6485% | 4,453 |
| Cost of funding earning assets | 0.3328% | 3,846 |
| Net interest margin | 3.3157% | 4,110 |
| Noninterest income to average assets | 0.4847% | 3,095 |
| Noninterest expense to average assets | 1.9595% | 5,023 |
| Loan and lease loss provision to assets | 0.1535% | 1,470 |
| Net operating income to assets | 0.9837% | 2,313 |
| Return on assets (ROA) | 0.9837% | 2,348 |
| Pretax return on assets | 1.5461% | 1,465 |
| Return on Equity (ROE) | 7.5561% | 3,011 |
| Retained earnings to average equity (ytd only) | 3.8069% | 2,938 |
| Net charge-offs to loans | 0.3478% | 736 |
| Credit loss provision to net charge-offs | 61.5174% | 3,199 |
| Earnings coverage of net charge-offs (x) | 6.8100% | 3,134 |
| Efficiency ratio | 53.5503% | 4,983 |
| Assets per employee ($millions) | 6.1427% | 1,420 |
| Cash dividends to net income (ytd only)* | 49.6185% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 2,181 |
| Loan loss allowance to noncurrent loans | 710.7006% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 4,507 |
| Noncurrent loans to loans | 0.1839% | 4,182 |
| Net loans and leases to total assets | 66.5828% | 3,021 |
| Net loans and leases to deposits | 88.7395% | 1,932 |
| Net loans and leases to core deposits | 93.1875% | 2,267 |
| Total domestic deposits to total assets | 75.0318% | 5,089 |
| Equity capital to assets | 12.2489% | 1,671 |
| Core capital (leverage) ratio | 12.2137% | 1,490 |
| Tier 1 risk-based capital ratio | 13.1185% | 3,838 |
| Total risk-based capital ratio | 14.1884% | 3,846 |
| Memoranda: | ||
| Average total assets | $586,181,600 | 1,224 |
| Average earning assets | $561,215,400 | 1,183 |
| Average equity | $76,308,800 | 1,057 |
| Average total loans | $420,695,000 | 1,184 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6561% | 4,432 |
| Cost of funding earning assets | 0.3191% | 3,944 |
| Net interest margin | 3.3370% | 4,054 |
| Noninterest income to average assets | 0.4764% | 3,171 |
| Noninterest expense to average assets | 1.9078% | 5,122 |
| Loan and lease loss provision to assets | 0.1566% | 1,320 |
| Net operating income to assets | 1.0737% | 2,211 |
| Return on assets (ROA) | 1.0737% | 2,258 |
| Pretax return on assets | 1.6054% | 1,402 |
| Return on Equity (ROE) | 8.1161% | 3,072 |
| Retained earnings to average equity (ytd only) | 4.9062% | 2,949 |
| Net charge-offs to loans | 0.4164% | 505 |
| Credit loss provision to net charge-offs | 51.5661% | 2,896 |
| Earnings coverage of net charge-offs (x) | 5.8006% | 3,056 |
| Efficiency ratio | 51.9856% | 5,099 |
| Assets per employee ($millions) | 5.9074% | 1,571 |
| Cash dividends to net income (ytd only)* | 39.5505% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 2,478 |
| Loan loss allowance to noncurrent loans | 832.0242% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.1146% | 4,669 |
| Noncurrent loans to loans | 0.1535% | 4,445 |
| Net loans and leases to total assets | 71.3585% | 2,347 |
| Net loans and leases to deposits | 94.1759% | 1,282 |
| Net loans and leases to core deposits | 97.5777% | 1,920 |
| Total domestic deposits to total assets | 75.7715% | 5,046 |
| Equity capital to assets | 12.9326% | 1,423 |
| Core capital (leverage) ratio | 13.1504% | 1,147 |
| Tier 1 risk-based capital ratio | 13.6061% | 3,633 |
| Total risk-based capital ratio | 14.6843% | 3,663 |
| Memoranda: | ||
| Average total assets | $574,553,000 | 1,253 |
| Average earning assets | $549,822,250 | 1,216 |
| Average equity | $76,011,500 | 1,067 |
| Average total loans | $419,157,250 | 1,193 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6041% | 4,499 |
| Cost of funding earning assets | 0.3074% | 4,012 |
| Net interest margin | 3.2967% | 4,117 |
| Noninterest income to average assets | 0.4757% | 3,175 |
| Noninterest expense to average assets | 1.9405% | 5,104 |
| Loan and lease loss provision to assets | 0.1587% | 1,256 |
| Net operating income to assets | 1.0215% | 2,325 |
| Return on assets (ROA) | 1.0215% | 2,371 |
| Pretax return on assets | 1.5261% | 1,554 |
| Return on Equity (ROE) | 7.6612% | 3,219 |
| Retained earnings to average equity (ytd only) | 4.4269% | 3,078 |
| Net charge-offs to loans | 0.0270% | 2,678 |
| Credit loss provision to net charge-offs | 803.5714% | 457 |
| Earnings coverage of net charge-offs (x) | 85.3214% | 732 |
| Efficiency ratio | 53.5259% | 5,051 |
| Assets per employee ($millions) | 5.5853% | 1,798 |
| Cash dividends to net income (ytd only)* | 42.2161% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5308% | 1,474 |
| Loan loss allowance to noncurrent loans | 271.0908% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.4229% | 3,427 |
| Noncurrent loans to loans | 0.5647% | 3,046 |
| Net loans and leases to total assets | 73.0797% | 2,025 |
| Net loans and leases to deposits | 95.2845% | 1,142 |
| Net loans and leases to core deposits | 98.1146% | 1,797 |
| Total domestic deposits to total assets | 76.6963% | 5,003 |
| Equity capital to assets | 13.2734% | 1,240 |
| Core capital (leverage) ratio | 13.1718% | 1,111 |
| Tier 1 risk-based capital ratio | 13.6112% | 3,631 |
| Total risk-based capital ratio | 14.8856% | 3,542 |
| Memoranda: | ||
| Average total assets | $567,187,670 | 1,273 |
| Average earning assets | $541,880,670 | 1,232 |
| Average equity | $75,628,000 | 1,071 |
| Average total loans | $415,120,330 | 1,204 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5249% | 4,623 |
| Cost of funding earning assets | 0.2922% | 4,123 |
| Net interest margin | 3.2327% | 4,234 |
| Noninterest income to average assets | 0.4802% | 3,113 |
| Noninterest expense to average assets | 1.9725% | 5,110 |
| Loan and lease loss provision to assets | 0.1598% | 1,128 |
| Net operating income to assets | 0.9681% | 2,444 |
| Return on assets (ROA) | 0.9681% | 2,494 |
| Pretax return on assets | 1.4441% | 1,718 |
| Return on Equity (ROE) | 7.2440% | 3,298 |
| Retained earnings to average equity (ytd only) | 3.9861% | 3,451 |
| Net charge-offs to loans | 0.0117% | 2,584 |
| Credit loss provision to net charge-offs | 1,875.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 188.1667% | 304 |
| Efficiency ratio | 55.1539% | 5,026 |
| Assets per employee ($millions) | 5.6411% | 1,774 |
| Cash dividends to net income (ytd only)* | 44.9743% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5476% | 1,516 |
| Loan loss allowance to noncurrent loans | 141.1595% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.7902% | 2,324 |
| Noncurrent loans to loans | 1.0963% | 1,869 |
| Net loans and leases to total assets | 70.9574% | 2,225 |
| Net loans and leases to deposits | 92.5156% | 1,270 |
| Net loans and leases to core deposits | 95.3655% | 1,862 |
| Total domestic deposits to total assets | 76.6978% | 5,151 |
| Equity capital to assets | 13.2791% | 1,157 |
| Core capital (leverage) ratio | 13.4052% | 1,004 |
| Tier 1 risk-based capital ratio | 13.9638% | 3,507 |
| Total risk-based capital ratio | 15.2338% | 3,401 |
| Memoranda: | ||
| Average total assets | $563,138,000 | 1,278 |
| Average earning assets | $539,364,000 | 1,236 |
| Average equity | $75,262,000 | 1,074 |
| Average total loans | $409,203,500 | 1,224 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5436% | 4,656 |
| Cost of funding earning assets | 0.2767% | 4,292 |
| Net interest margin | 3.2669% | 4,238 |
| Noninterest income to average assets | 0.6242% | 2,534 |
| Noninterest expense to average assets | 2.1231% | 4,957 |
| Loan and lease loss provision to assets | 0.1674% | 1,464 |
| Net operating income to assets | 0.9704% | 2,490 |
| Return on assets (ROA) | 0.9704% | 2,593 |
| Pretax return on assets | 1.4520% | 1,746 |
| Return on Equity (ROE) | 7.1023% | 3,415 |
| Retained earnings to average equity (ytd only) | 3.7547% | 3,245 |
| Net charge-offs to loans | 0.0313% | 3,396 |
| Credit loss provision to net charge-offs | 743.8017% | 488 |
| Earnings coverage of net charge-offs (x) | 71.9504% | 775 |
| Efficiency ratio | 56.7296% | 4,985 |
| Assets per employee ($millions) | 5.4561% | 1,895 |
| Cash dividends to net income (ytd only)* | 47.1344% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5062% | 1,641 |
| Loan loss allowance to noncurrent loans | 130.7087% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.8443% | 2,235 |
| Noncurrent loans to loans | 1.1524% | 1,778 |
| Net loans and leases to total assets | 72.1674% | 2,145 |
| Net loans and leases to deposits | 95.1069% | 1,079 |
| Net loans and leases to core deposits | 98.4667% | 1,739 |
| Total domestic deposits to total assets | 75.8803% | 5,252 |
| Equity capital to assets | 13.4524% | 1,076 |
| Core capital (leverage) ratio | 13.5137% | 964 |
| Tier 1 risk-based capital ratio | 13.9628% | 3,479 |
| Total risk-based capital ratio | 15.1904% | 3,410 |
| Memoranda: | ||
| Average total assets | $537,614,000 | 1,286 |
| Average earning assets | $513,147,800 | 1,249 |
| Average equity | $73,454,600 | 1,079 |
| Average total loans | $386,274,000 | 1,234 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5212% | 4,750 |
| Cost of funding earning assets | 0.2764% | 4,326 |
| Net interest margin | 3.2447% | 4,364 |
| Noninterest income to average assets | 0.5607% | 2,870 |
| Noninterest expense to average assets | 2.0899% | 5,023 |
| Loan and lease loss provision to assets | 0.1501% | 1,557 |
| Net operating income to assets | 0.9460% | 2,671 |
| Return on assets (ROA) | 0.9460% | 2,806 |
| Pretax return on assets | 1.4162% | 1,981 |
| Return on Equity (ROE) | 6.8962% | 3,614 |
| Retained earnings to average equity (ytd only) | 3.5311% | 3,783 |
| Net charge-offs to loans | 0.0109% | 3,552 |
| Credit loss provision to net charge-offs | 1,935.4839% | 241 |
| Earnings coverage of net charge-offs (x) | 201.9468% | 371 |
| Efficiency ratio | 57.1614% | 4,937 |
| Assets per employee ($millions) | 5.3968% | 1,956 |
| Cash dividends to net income (ytd only)* | 48.7966% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5234% | 1,679 |
| Loan loss allowance to noncurrent loans | 191.6021% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.5680% | 3,204 |
| Noncurrent loans to loans | 0.7951% | 2,682 |
| Net loans and leases to total assets | 70.3478% | 2,445 |
| Net loans and leases to deposits | 94.6068% | 1,191 |
| Net loans and leases to core deposits | 96.9341% | 1,909 |
| Total domestic deposits to total assets | 74.3580% | 5,399 |
| Equity capital to assets | 13.5787% | 1,208 |
| Core capital (leverage) ratio | 13.8004% | 908 |
| Tier 1 risk-based capital ratio | 16.8914% | 2,262 |
| Total risk-based capital ratio | 18.2143% | 2,197 |
| Memoranda: | ||
| Average total assets | $532,886,500 | 1,302 |
| Average earning assets | $508,381,750 | 1,265 |
| Average equity | $73,101,750 | 1,090 |
| Average total loans | $380,899,750 | 1,241 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5282% | 4,790 |
| Cost of funding earning assets | 0.2768% | 4,380 |
| Net interest margin | 3.2513% | 4,375 |
| Noninterest income to average assets | 0.5662% | 2,818 |
| Noninterest expense to average assets | 2.0661% | 5,128 |
| Loan and lease loss provision to assets | 0.1135% | 1,980 |
| Net operating income to assets | 0.9924% | 2,424 |
| Return on assets (ROA) | 0.9924% | 2,564 |
| Pretax return on assets | 1.4871% | 1,716 |
| Return on Equity (ROE) | 7.2090% | 3,417 |
| Retained earnings to average equity (ytd only) | 3.8298% | 3,449 |
| Net charge-offs to loans | 0.0148% | 3,238 |
| Credit loss provision to net charge-offs | 1,071.4286% | 353 |
| Earnings coverage of net charge-offs (x) | 151.1429% | 412 |
| Efficiency ratio | 56.3486% | 5,110 |
| Assets per employee ($millions) | 5.1718% | 2,115 |
| Cash dividends to net income (ytd only)* | 46.8750% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4448% | 2,087 |
| Loan loss allowance to noncurrent loans | 931.4050% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 4,099 |
| Noncurrent loans to loans | 0.1551% | 4,819 |
| Net loans and leases to total assets | 73.5858% | 1,919 |
| Net loans and leases to deposits | 98.0731% | 885 |
| Net loans and leases to core deposits | 100.4049% | 1,601 |
| Total domestic deposits to total assets | 75.0316% | 5,408 |
| Equity capital to assets | 14.0658% | 1,002 |
| Core capital (leverage) ratio | 14.0158% | 817 |
| Tier 1 risk-based capital ratio | 14.8249% | 3,153 |
| Total risk-based capital ratio | 16.0406% | 3,107 |
| Memoranda: | ||
| Average total assets | $528,823,670 | 1,313 |
| Average earning assets | $504,283,670 | 1,274 |
| Average equity | $72,797,670 | 1,094 |
| Average total loans | $378,073,000 | 1,252 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4576% | 4,988 |
| Cost of funding earning assets | 0.2754% | 4,440 |
| Net interest margin | 3.1822% | 4,636 |
| Noninterest income to average assets | 0.5488% | 2,814 |
| Noninterest expense to average assets | 2.0509% | 5,216 |
| Loan and lease loss provision to assets | 0.1128% | 1,853 |
| Net operating income to assets | 0.9525% | 2,502 |
| Return on assets (ROA) | 0.9525% | 2,619 |
| Pretax return on assets | 1.4254% | 1,818 |
| Return on Equity (ROE) | 6.9942% | 3,459 |
| Retained earnings to average equity (ytd only) | 3.5992% | 3,694 |
| Net charge-offs to loans | -0.0011% | 4,084 |
| Credit loss provision to net charge-offs | -15,000.0000% | 5,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1429% | 5,080 |
| Assets per employee ($millions) | 5.4282% | 1,896 |
| Cash dividends to net income (ytd only)* | 48.5399% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 2,159 |
| Loan loss allowance to noncurrent loans | 782.1277% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.3595% | 4,127 |
| Noncurrent loans to loans | 0.1867% | 4,743 |
| Net loans and leases to total assets | 70.6874% | 2,237 |
| Net loans and leases to deposits | 93.8677% | 1,160 |
| Net loans and leases to core deposits | 96.2353% | 1,771 |
| Total domestic deposits to total assets | 75.3053% | 5,487 |
| Equity capital to assets | 13.8247% | 1,044 |
| Core capital (leverage) ratio | 13.6091% | 945 |
| Tier 1 risk-based capital ratio | 14.9958% | 3,162 |
| Total risk-based capital ratio | 16.2172% | 3,109 |
| Memoranda: | ||
| Average total assets | $532,059,500 | 1,306 |
| Average earning assets | $508,331,000 | 1,270 |
| Average equity | $72,460,000 | 1,092 |
| Average total loans | $372,103,500 | 1,267 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5523% | 4,801 |
| Cost of funding earning assets | 0.2850% | 4,415 |
| Net interest margin | 3.2673% | 4,413 |
| Noninterest income to average assets | 0.6119% | 2,661 |
| Noninterest expense to average assets | 2.2171% | 5,022 |
| Loan and lease loss provision to assets | 0.1469% | 1,606 |
| Net operating income to assets | 0.9243% | 2,730 |
| Return on assets (ROA) | 0.9243% | 2,826 |
| Pretax return on assets | 1.3651% | 2,051 |
| Return on Equity (ROE) | 6.6126% | 3,721 |
| Retained earnings to average equity (ytd only) | 3.1655% | 3,802 |
| Net charge-offs to loans | 0.1877% | 1,541 |
| Credit loss provision to net charge-offs | 111.7735% | 2,264 |
| Earnings coverage of net charge-offs (x) | 11.5037% | 2,569 |
| Efficiency ratio | 59.4548% | 4,979 |
| Assets per employee ($millions) | 5.7190% | 1,602 |
| Cash dividends to net income (ytd only)* | 52.1297% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4633% | 2,167 |
| Loan loss allowance to noncurrent loans | 686.6837% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.4271% | 3,900 |
| Noncurrent loans to loans | 0.2131% | 4,654 |
| Net loans and leases to total assets | 67.1777% | 2,837 |
| Net loans and leases to deposits | 89.4925% | 1,685 |
| Net loans and leases to core deposits | 91.9221% | 2,233 |
| Total domestic deposits to total assets | 75.0652% | 5,548 |
| Equity capital to assets | 13.4170% | 1,156 |
| Core capital (leverage) ratio | 13.2208% | 1,070 |
| Tier 1 risk-based capital ratio | 14.7378% | 3,311 |
| Total risk-based capital ratio | 15.9191% | 3,271 |
| Memoranda: | ||
| Average total assets | $510,523,400 | 1,315 |
| Average earning assets | $487,069,200 | 1,281 |
| Average equity | $71,364,000 | 1,066 |
| Average total loans | $357,433,600 | 1,264 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5759% | 4,809 |
| Cost of funding earning assets | 0.2845% | 4,508 |
| Net interest margin | 3.2914% | 4,391 |
| Noninterest income to average assets | 0.5960% | 2,765 |
| Noninterest expense to average assets | 2.2092% | 5,031 |
| Loan and lease loss provision to assets | 0.1588% | 1,352 |
| Net operating income to assets | 0.9266% | 2,825 |
| Return on assets (ROA) | 0.9266% | 2,910 |
| Pretax return on assets | 1.3662% | 2,152 |
| Return on Equity (ROE) | 6.5585% | 3,864 |
| Retained earnings to average equity (ytd only) | 3.7935% | 3,767 |
| Net charge-offs to loans | 0.1051% | 2,083 |
| Credit loss provision to net charge-offs | 214.2857% | 1,262 |
| Earnings coverage of net charge-offs (x) | 20.5788% | 1,863 |
| Efficiency ratio | 59.1608% | 4,984 |
| Assets per employee ($millions) | 5.3984% | 1,869 |
| Cash dividends to net income (ytd only)* | 42.1594% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5711% | 1,882 |
| Loan loss allowance to noncurrent loans | 487.3043% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.5428% | 3,672 |
| Noncurrent loans to loans | 0.3224% | 4,447 |
| Net loans and leases to total assets | 67.7479% | 2,718 |
| Net loans and leases to deposits | 90.5188% | 1,583 |
| Net loans and leases to core deposits | 92.8988% | 2,178 |
| Total domestic deposits to total assets | 74.8440% | 5,633 |
| Equity capital to assets | 13.9309% | 1,052 |
| Core capital (leverage) ratio | 14.0392% | 849 |
| Tier 1 risk-based capital ratio | 16.3995% | 2,626 |
| Total risk-based capital ratio | 17.8195% | 2,496 |
| Memoranda: | ||
| Average total assets | $503,758,000 | 1,338 |
| Average earning assets | $480,317,750 | 1,297 |
| Average equity | $71,173,000 | 1,077 |
| Average total loans | $355,167,000 | 1,281 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6041% | 4,708 |
| Cost of funding earning assets | 0.2867% | 4,540 |
| Net interest margin | 3.3174% | 4,224 |
| Noninterest income to average assets | 0.5981% | 2,752 |
| Noninterest expense to average assets | 2.2011% | 5,112 |
| Loan and lease loss provision to assets | 0.1804% | 1,131 |
| Net operating income to assets | 0.9324% | 2,719 |
| Return on assets (ROA) | 0.9324% | 2,841 |
| Pretax return on assets | 1.3753% | 2,084 |
| Return on Equity (ROE) | 6.5677% | 3,848 |
| Retained earnings to average equity (ytd only) | 3.7892% | 3,596 |
| Net charge-offs to loans | 0.1568% | 1,538 |
| Credit loss provision to net charge-offs | 161.8705% | 1,458 |
| Earnings coverage of net charge-offs (x) | 13.9604% | 2,092 |
| Efficiency ratio | 58.5894% | 5,156 |
| Assets per employee ($millions) | 5.0336% | 2,236 |
| Cash dividends to net income (ytd only)* | 42.3044% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 2,337 |
| Loan loss allowance to noncurrent loans | 554.4715% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.5648% | 3,724 |
| Noncurrent loans to loans | 0.2689% | 4,707 |
| Net loans and leases to total assets | 71.6147% | 2,054 |
| Net loans and leases to deposits | 94.1353% | 1,138 |
| Net loans and leases to core deposits | 96.7041% | 1,740 |
| Total domestic deposits to total assets | 76.0764% | 5,588 |
| Equity capital to assets | 14.2273% | 902 |
| Core capital (leverage) ratio | 14.1704% | 796 |
| Tier 1 risk-based capital ratio | 16.6987% | 2,522 |
| Total risk-based capital ratio | 18.1396% | 2,402 |
| Memoranda: | ||
| Average total assets | $498,929,670 | 1,358 |
| Average earning assets | $475,073,670 | 1,318 |
| Average equity | $70,832,000 | 1,087 |
| Average total loans | $354,655,000 | 1,284 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6030% | 4,681 |
| Cost of funding earning assets | 0.2867% | 4,591 |
| Net interest margin | 3.3164% | 4,148 |
| Noninterest income to average assets | 0.6064% | 2,612 |
| Noninterest expense to average assets | 2.2331% | 5,066 |
| Loan and lease loss provision to assets | 0.2416% | 696 |
| Net operating income to assets | 0.8834% | 2,829 |
| Return on assets (ROA) | 0.8834% | 2,954 |
| Pretax return on assets | 1.2989% | 2,292 |
| Return on Equity (ROE) | 6.2293% | 3,918 |
| Retained earnings to average equity (ytd only) | 3.4355% | 3,929 |
| Net charge-offs to loans | 0.1524% | 1,344 |
| Credit loss provision to net charge-offs | 225.5639% | 971 |
| Earnings coverage of net charge-offs (x) | 14.3835% | 1,671 |
| Efficiency ratio | 59.1763% | 5,197 |
| Assets per employee ($millions) | 4.9819% | 2,380 |
| Cash dividends to net income (ytd only)* | 44.8496% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5565% | 2,208 |
| Loan loss allowance to noncurrent loans | 664.7561% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.5478% | 3,851 |
| Noncurrent loans to loans | 0.2341% | 4,935 |
| Net loans and leases to total assets | 69.2016% | 2,250 |
| Net loans and leases to deposits | 90.0858% | 1,384 |
| Net loans and leases to core deposits | 92.7299% | 1,885 |
| Total domestic deposits to total assets | 76.8174% | 5,641 |
| Equity capital to assets | 14.2138% | 919 |
| Core capital (leverage) ratio | 14.0508% | 807 |
| Tier 1 risk-based capital ratio | 17.1872% | 2,408 |
| Total risk-based capital ratio | 18.6254% | 2,307 |
| Memoranda: | ||
| Average total assets | $496,716,500 | 1,370 |
| Average earning assets | $474,376,000 | 1,329 |
| Average equity | $70,441,000 | 1,093 |
| Average total loans | $349,016,000 | 1,300 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6046% | 5,070 |
| Cost of funding earning assets | 0.3193% | 4,587 |
| Net interest margin | 3.2853% | 4,636 |
| Noninterest income to average assets | 0.5060% | 3,460 |
| Noninterest expense to average assets | 2.2906% | 5,138 |
| Loan and lease loss provision to assets | 0.2422% | 967 |
| Net operating income to assets | 0.7367% | 3,702 |
| Return on assets (ROA) | 0.7367% | 3,808 |
| Pretax return on assets | 1.0735% | 3,190 |
| Return on Equity (ROE) | 5.2534% | 4,531 |
| Retained earnings to average equity (ytd only) | 1.9790% | 4,803 |
| Net charge-offs to loans | 0.3691% | 1,176 |
| Credit loss provision to net charge-offs | 93.8967% | 2,557 |
| Earnings coverage of net charge-offs (x) | 5.1009% | 3,499 |
| Efficiency ratio | 63.5158% | 4,668 |
| Assets per employee ($millions) | 4.4219% | 3,160 |
| Cash dividends to net income (ytd only)* | 62.3288% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5191% | 2,387 |
| Loan loss allowance to noncurrent loans | 341.1233% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.7267% | 3,392 |
| Noncurrent loans to loans | 0.4453% | 4,309 |
| Net loans and leases to total assets | 69.1664% | 2,369 |
| Net loans and leases to deposits | 90.1354% | 1,508 |
| Net loans and leases to core deposits | 93.0293% | 1,988 |
| Total domestic deposits to total assets | 76.7361% | 5,640 |
| Equity capital to assets | 14.1487% | 911 |
| Core capital (leverage) ratio | 13.5957% | 942 |
| Tier 1 risk-based capital ratio | 19.4885% | 1,729 |
| Total risk-based capital ratio | 20.9296% | 1,632 |
| Memoranda: | ||
| Average total assets | $495,465,800 | 1,342 |
| Average earning assets | $467,566,600 | 1,313 |
| Average equity | $69,478,400 | 1,061 |
| Average total loans | $346,213,200 | 1,272 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6196% | 5,096 |
| Cost of funding earning assets | 0.3220% | 4,650 |
| Net interest margin | 3.2976% | 4,613 |
| Noninterest income to average assets | 0.5387% | 3,267 |
| Noninterest expense to average assets | 2.1892% | 5,375 |
| Loan and lease loss provision to assets | 0.2422% | 906 |
| Net operating income to assets | 0.8271% | 3,300 |
| Return on assets (ROA) | 0.8271% | 3,389 |
| Pretax return on assets | 1.2100% | 2,737 |
| Return on Equity (ROE) | 5.9116% | 4,278 |
| Retained earnings to average equity (ytd only) | 3.0731% | 4,430 |
| Net charge-offs to loans | 0.4746% | 835 |
| Credit loss provision to net charge-offs | 73.1113% | 2,710 |
| Earnings coverage of net charge-offs (x) | 4.3842% | 3,476 |
| Efficiency ratio | 60.1197% | 5,163 |
| Assets per employee ($millions) | 5.0873% | 2,147 |
| Cash dividends to net income (ytd only)* | 48.0156% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 2,705 |
| Loan loss allowance to noncurrent loans | 268.0341% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 1.2041% | 2,541 |
| Noncurrent loans to loans | 0.5597% | 4,239 |
| Net loans and leases to total assets | 66.9390% | 2,693 |
| Net loans and leases to deposits | 88.9301% | 1,564 |
| Net loans and leases to core deposits | 91.6848% | 2,060 |
| Total domestic deposits to total assets | 75.2714% | 5,898 |
| Equity capital to assets | 14.2193% | 934 |
| Core capital (leverage) ratio | 14.0211% | 838 |
| Tier 1 risk-based capital ratio | 20.0351% | 1,664 |
| Total risk-based capital ratio | 21.4554% | 1,582 |
| Memoranda: | ||
| Average total assets | $495,520,250 | 1,356 |
| Average earning assets | $466,226,750 | 1,325 |
| Average equity | $69,330,250 | 1,064 |
| Average total loans | $345,809,250 | 1,277 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6313% | 5,064 |
| Cost of funding earning assets | 0.3260% | 4,685 |
| Net interest margin | 3.3053% | 4,565 |
| Noninterest income to average assets | 0.5651% | 3,013 |
| Noninterest expense to average assets | 2.1830% | 5,457 |
| Loan and lease loss provision to assets | 0.2418% | 924 |
| Net operating income to assets | 0.8460% | 3,090 |
| Return on assets (ROA) | 0.8460% | 3,195 |
| Pretax return on assets | 1.2422% | 2,491 |
| Return on Equity (ROE) | 6.0796% | 4,112 |
| Retained earnings to average equity (ytd only) | 3.2295% | 4,149 |
| Net charge-offs to loans | 0.1849% | 1,917 |
| Credit loss provision to net charge-offs | 185.7585% | 1,243 |
| Earnings coverage of net charge-offs (x) | 11.3994% | 2,162 |
| Efficiency ratio | 59.5296% | 5,357 |
| Assets per employee ($millions) | 5.3389% | 1,837 |
| Cash dividends to net income (ytd only)* | 46.8795% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5915% | 2,493 |
| Loan loss allowance to noncurrent loans | 181.9032% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 1.4992% | 2,178 |
| Noncurrent loans to loans | 0.8749% | 3,509 |
| Net loans and leases to total assets | 70.2232% | 2,041 |
| Net loans and leases to deposits | 92.5916% | 1,088 |
| Net loans and leases to core deposits | 95.7435% | 1,627 |
| Total domestic deposits to total assets | 75.8419% | 5,927 |
| Equity capital to assets | 14.0216% | 959 |
| Core capital (leverage) ratio | 14.0509% | 814 |
| Tier 1 risk-based capital ratio | 18.7918% | 1,975 |
| Total risk-based capital ratio | 20.1920% | 1,898 |
| Memoranda: | ||
| Average total assets | $496,204,000 | 1,352 |
| Average earning assets | $465,673,670 | 1,320 |
| Average equity | $69,051,000 | 1,059 |
| Average total loans | $349,294,330 | 1,263 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5606% | 5,272 |
| Cost of funding earning assets | 0.3277% | 4,761 |
| Net interest margin | 3.2328% | 4,809 |
| Noninterest income to average assets | 0.5233% | 3,242 |
| Noninterest expense to average assets | 2.1829% | 5,499 |
| Loan and lease loss provision to assets | 0.2419% | 905 |
| Net operating income to assets | 0.8749% | 2,772 |
| Return on assets (ROA) | 0.8749% | 2,838 |
| Pretax return on assets | 1.1370% | 2,739 |
| Return on Equity (ROE) | 6.3112% | 3,845 |
| Retained earnings to average equity (ytd only) | 3.4494% | 4,067 |
| Net charge-offs to loans | 0.1615% | 1,750 |
| Credit loss provision to net charge-offs | 214.2857% | 985 |
| Earnings coverage of net charge-offs (x) | 12.2143% | 1,733 |
| Efficiency ratio | 61.2859% | 5,232 |
| Assets per employee ($millions) | 5.2892% | 1,919 |
| Cash dividends to net income (ytd only)* | 45.3456% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5887% | 2,753 |
| Loan loss allowance to noncurrent loans | 148.2018% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 1.6617% | 2,127 |
| Noncurrent loans to loans | 1.0720% | 3,278 |
| Net loans and leases to total assets | 69.5401% | 1,975 |
| Net loans and leases to deposits | 90.5465% | 1,088 |
| Net loans and leases to core deposits | 93.9821% | 1,550 |
| Total domestic deposits to total assets | 76.8004% | 5,989 |
| Equity capital to assets | 14.0423% | 903 |
| Core capital (leverage) ratio | 13.9133% | 849 |
| Tier 1 risk-based capital ratio | 19.0878% | 1,939 |
| Total risk-based capital ratio | 20.3413% | 1,902 |
| Memoranda: | ||
| Average total assets | $496,046,000 | 1,366 |
| Average earning assets | $466,216,500 | 1,324 |
| Average equity | $68,766,500 | 1,062 |
| Average total loans | $346,786,000 | 1,266 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6608% | 5,243 |
| Cost of funding earning assets | 0.3872% | 4,779 |
| Net interest margin | 3.2735% | 4,759 |
| Noninterest income to average assets | 0.5613% | 3,322 |
| Noninterest expense to average assets | 2.0856% | 5,861 |
| Loan and lease loss provision to assets | 0.2411% | 1,498 |
| Net operating income to assets | 0.9093% | 2,730 |
| Return on assets (ROA) | 0.9093% | 2,818 |
| Pretax return on assets | 1.3240% | 2,060 |
| Return on Equity (ROE) | 6.7450% | 3,701 |
| Retained earnings to average equity (ytd only) | 3.8122% | 3,491 |
| Net charge-offs to loans | 0.3620% | 1,869 |
| Credit loss provision to net charge-offs | 95.0872% | 2,633 |
| Earnings coverage of net charge-offs (x) | 6.1727% | 3,116 |
| Efficiency ratio | 57.1295% | 5,836 |
| Assets per employee ($millions) | 5.2653% | 1,889 |
| Cash dividends to net income (ytd only)* | 43.4821% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5498% | 2,958 |
| Loan loss allowance to noncurrent loans | 184.5783% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 1.6196% | 2,292 |
| Noncurrent loans to loans | 0.8396% | 3,880 |
| Net loans and leases to total assets | 68.0979% | 2,343 |
| Net loans and leases to deposits | 87.7481% | 1,494 |
| Net loans and leases to core deposits | 91.3483% | 1,869 |
| Total domestic deposits to total assets | 77.6061% | 5,885 |
| Equity capital to assets | 13.6866% | 996 |
| Core capital (leverage) ratio | 13.4138% | 987 |
| Tier 1 risk-based capital ratio | 18.9722% | 1,928 |
| Total risk-based capital ratio | 20.2254% | 1,886 |
| Memoranda: | ||
| Average total assets | $497,750,600 | 1,336 |
| Average earning assets | $469,739,800 | 1,295 |
| Average equity | $67,101,200 | 1,075 |
| Average total loans | $348,643,800 | 1,226 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6904% | 5,188 |
| Cost of funding earning assets | 0.3985% | 4,828 |
| Net interest margin | 3.2919% | 4,673 |
| Noninterest income to average assets | 0.5608% | 3,387 |
| Noninterest expense to average assets | 2.0557% | 5,912 |
| Loan and lease loss provision to assets | 0.2414% | 1,489 |
| Net operating income to assets | 0.9470% | 2,611 |
| Return on assets (ROA) | 0.9470% | 2,716 |
| Pretax return on assets | 1.3718% | 2,031 |
| Return on Equity (ROE) | 7.0518% | 3,617 |
| Retained earnings to average equity (ytd only) | 4.1041% | 3,767 |
| Net charge-offs to loans | 0.3057% | 2,008 |
| Credit loss provision to net charge-offs | 112.3596% | 2,097 |
| Earnings coverage of net charge-offs (x) | 7.5094% | 2,784 |
| Efficiency ratio | 56.0307% | 5,897 |
| Assets per employee ($millions) | 5.3176% | 1,830 |
| Cash dividends to net income (ytd only)* | 41.8012% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6029% | 2,991 |
| Loan loss allowance to noncurrent loans | 146.6932% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 1.6840% | 2,449 |
| Noncurrent loans to loans | 1.0927% | 3,607 |
| Net loans and leases to total assets | 67.1125% | 2,442 |
| Net loans and leases to deposits | 87.6873% | 1,402 |
| Net loans and leases to core deposits | 91.4489% | 1,826 |
| Total domestic deposits to total assets | 76.5362% | 6,105 |
| Equity capital to assets | 13.4326% | 1,147 |
| Core capital (leverage) ratio | 13.5479% | 1,008 |
| Tier 1 risk-based capital ratio | 18.9481% | 2,007 |
| Total risk-based capital ratio | 20.2020% | 1,960 |
| Memoranda: | ||
| Average total assets | $497,138,500 | 1,346 |
| Average earning assets | $469,387,000 | 1,304 |
| Average equity | $66,761,500 | 1,088 |
| Average total loans | $349,308,000 | 1,222 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7041% | 5,130 |
| Cost of funding earning assets | 0.4162% | 4,794 |
| Net interest margin | 3.2879% | 4,633 |
| Noninterest income to average assets | 0.5663% | 3,407 |
| Noninterest expense to average assets | 2.0709% | 5,923 |
| Loan and lease loss provision to assets | 0.2427% | 1,536 |
| Net operating income to assets | 0.9610% | 2,507 |
| Return on assets (ROA) | 0.9610% | 2,657 |
| Pretax return on assets | 1.3651% | 2,062 |
| Return on Equity (ROE) | 7.1571% | 3,509 |
| Retained earnings to average equity (ytd only) | 4.1930% | 3,625 |
| Net charge-offs to loans | 0.2348% | 2,312 |
| Credit loss provision to net charge-offs | 145.6311% | 1,575 |
| Earnings coverage of net charge-offs (x) | 9.6481% | 2,249 |
| Efficiency ratio | 56.2947% | 5,931 |
| Assets per employee ($millions) | 5.1475% | 1,936 |
| Cash dividends to net income (ytd only)* | 41.4141% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5797% | 3,227 |
| Loan loss allowance to noncurrent loans | 136.9114% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 1.8384% | 2,358 |
| Noncurrent loans to loans | 1.1538% | 3,625 |
| Net loans and leases to total assets | 71.5002% | 1,648 |
| Net loans and leases to deposits | 93.5976% | 834 |
| Net loans and leases to core deposits | 97.6703% | 1,240 |
| Total domestic deposits to total assets | 76.3911% | 6,212 |
| Equity capital to assets | 13.7349% | 1,038 |
| Core capital (leverage) ratio | 13.4438% | 1,002 |
| Tier 1 risk-based capital ratio | 18.2371% | 2,229 |
| Total risk-based capital ratio | 19.4907% | 2,194 |
| Memoranda: | ||
| Average total assets | $494,460,330 | 1,347 |
| Average earning assets | $468,073,670 | 1,305 |
| Average equity | $66,396,000 | 1,091 |
| Average total loans | $350,891,670 | 1,209 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6235% | 5,379 |
| Cost of funding earning assets | 0.4138% | 4,977 |
| Net interest margin | 3.2097% | 4,896 |
| Noninterest income to average assets | 0.5616% | 3,361 |
| Noninterest expense to average assets | 2.0548% | 5,999 |
| Loan and lease loss provision to assets | 0.2414% | 1,502 |
| Net operating income to assets | 0.9912% | 2,263 |
| Return on assets (ROA) | 0.9912% | 2,383 |
| Pretax return on assets | 1.3041% | 2,215 |
| Return on Equity (ROE) | 7.4654% | 3,235 |
| Retained earnings to average equity (ytd only) | 4.4841% | 3,541 |
| Net charge-offs to loans | 0.0528% | 3,300 |
| Credit loss provision to net charge-offs | 652.1739% | 425 |
| Earnings coverage of net charge-offs (x) | 41.7609% | 761 |
| Efficiency ratio | 57.0726% | 5,950 |
| Assets per employee ($millions) | 5.1549% | 2,029 |
| Cash dividends to net income (ytd only)* | 39.9351% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6123% | 3,346 |
| Loan loss allowance to noncurrent loans | 106.2898% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 2.0478% | 2,289 |
| Noncurrent loans to loans | 1.5169% | 3,276 |
| Net loans and leases to total assets | 70.0171% | 1,657 |
| Net loans and leases to deposits | 91.1234% | 880 |
| Net loans and leases to core deposits | 94.4627% | 1,312 |
| Total domestic deposits to total assets | 76.8377% | 6,263 |
| Equity capital to assets | 13.4201% | 1,239 |
| Core capital (leverage) ratio | 13.4759% | 954 |
| Tier 1 risk-based capital ratio | 18.2333% | 2,280 |
| Total risk-based capital ratio | 19.4872% | 2,240 |
| Memoranda: | ||
| Average total assets | $497,185,000 | 1,357 |
| Average earning assets | $470,703,000 | 1,310 |
| Average equity | $66,011,500 | 1,115 |
| Average total loans | $348,709,500 | 1,215 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8072% | 5,806 |
| Cost of funding earning assets | 0.4977% | 5,233 |
| Net interest margin | 3.3094% | 5,211 |
| Noninterest income to average assets | 0.4930% | 3,948 |
| Noninterest expense to average assets | 2.1702% | 5,987 |
| Loan and lease loss provision to assets | 0.5672% | 997 |
| Net operating income to assets | 0.5886% | 4,294 |
| Return on assets (ROA) | 0.5886% | 4,554 |
| Pretax return on assets | 0.8696% | 4,026 |
| Return on Equity (ROE) | 4.4645% | 4,952 |
| Retained earnings to average equity (ytd only) | 1.4410% | 5,151 |
| Net charge-offs to loans | 1.1792% | 861 |
| Credit loss provision to net charge-offs | 68.9485% | 4,207 |
| Earnings coverage of net charge-offs (x) | 1.7466% | 4,561 |
| Efficiency ratio | 60.1673% | 5,513 |
| Assets per employee ($millions) | 5.0970% | 2,103 |
| Cash dividends to net income (ytd only)* | 67.7220% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5710% | 3,435 |
| Loan loss allowance to noncurrent loans | 106.8558% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 1.9702% | 2,485 |
| Noncurrent loans to loans | 1.4702% | 3,388 |
| Net loans and leases to total assets | 68.0328% | 2,176 |
| Net loans and leases to deposits | 87.4080% | 1,342 |
| Net loans and leases to core deposits | 91.0412% | 1,719 |
| Total domestic deposits to total assets | 77.8335% | 6,108 |
| Equity capital to assets | 13.1353% | 1,379 |
| Core capital (leverage) ratio | 12.8365% | 1,184 |
| Tier 1 risk-based capital ratio | 18.3954% | 2,136 |
| Total risk-based capital ratio | 19.6489% | 2,100 |
| Memoranda: | ||
| Average total assets | $493,693,400 | 1,348 |
| Average earning assets | $464,519,800 | 1,312 |
| Average equity | $65,092,000 | 1,088 |
| Average total loans | $344,393,200 | 1,225 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8460% | 5,911 |
| Cost of funding earning assets | 0.5111% | 5,364 |
| Net interest margin | 3.3349% | 5,265 |
| Noninterest income to average assets | 0.4732% | 4,116 |
| Noninterest expense to average assets | 2.1577% | 6,041 |
| Loan and lease loss provision to assets | 0.5688% | 1,009 |
| Net operating income to assets | 0.5675% | 4,533 |
| Return on assets (ROA) | 0.5675% | 4,803 |
| Pretax return on assets | 0.8838% | 4,179 |
| Return on Equity (ROE) | 4.2998% | 5,150 |
| Retained earnings to average equity (ytd only) | 1.2704% | 5,663 |
| Net charge-offs to loans | 0.7333% | 1,512 |
| Credit loss provision to net charge-offs | 110.9350% | 2,641 |
| Earnings coverage of net charge-offs (x) | 2.8331% | 3,903 |
| Efficiency ratio | 59.7644% | 5,535 |
| Assets per employee ($millions) | 5.1925% | 1,936 |
| Cash dividends to net income (ytd only)* | 70.4535% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9612% | 2,285 |
| Loan loss allowance to noncurrent loans | 84.9920% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 2.6200% | 2,014 |
| Noncurrent loans to loans | 2.3076% | 2,499 |
| Net loans and leases to total assets | 68.4018% | 2,233 |
| Net loans and leases to deposits | 90.2491% | 1,117 |
| Net loans and leases to core deposits | 94.9965% | 1,490 |
| Total domestic deposits to total assets | 75.7922% | 6,411 |
| Equity capital to assets | 12.9538% | 1,609 |
| Core capital (leverage) ratio | 13.1001% | 1,150 |
| Tier 1 risk-based capital ratio | 18.0861% | 2,303 |
| Total risk-based capital ratio | 19.3444% | 2,276 |
| Memoranda: | ||
| Average total assets | $492,241,250 | 1,369 |
| Average earning assets | $463,052,750 | 1,336 |
| Average equity | $64,962,250 | 1,096 |
| Average total loans | $344,179,250 | 1,236 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8181% | 6,098 |
| Cost of funding earning assets | 0.5313% | 5,425 |
| Net interest margin | 3.2868% | 5,483 |
| Noninterest income to average assets | 0.5421% | 3,642 |
| Noninterest expense to average assets | 2.2234% | 5,944 |
| Loan and lease loss provision to assets | 0.5323% | 1,172 |
| Net operating income to assets | 0.5389% | 4,632 |
| Return on assets (ROA) | 0.5389% | 4,911 |
| Pretax return on assets | 0.8795% | 4,156 |
| Return on Equity (ROE) | 4.0574% | 5,239 |
| Retained earnings to average equity (ytd only) | 1.0236% | 5,670 |
| Net charge-offs to loans | 0.9293% | 1,189 |
| Credit loss provision to net charge-offs | 81.8640% | 3,265 |
| Earnings coverage of net charge-offs (x) | 2.1713% | 3,899 |
| Efficiency ratio | 61.1624% | 5,394 |
| Assets per employee ($millions) | 4.9862% | 2,194 |
| Cash dividends to net income (ytd only)* | 74.7720% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8132% | 2,809 |
| Loan loss allowance to noncurrent loans | 73.6049% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 2.9164% | 1,896 |
| Noncurrent loans to loans | 2.4635% | 2,437 |
| Net loans and leases to total assets | 70.8890% | 1,752 |
| Net loans and leases to deposits | 92.4390% | 893 |
| Net loans and leases to core deposits | 97.1581% | 1,335 |
| Total domestic deposits to total assets | 76.6873% | 6,377 |
| Equity capital to assets | 13.2945% | 1,397 |
| Core capital (leverage) ratio | 13.1958% | 1,092 |
| Tier 1 risk-based capital ratio | 18.0897% | 2,266 |
| Total risk-based capital ratio | 19.3466% | 2,235 |
| Memoranda: | ||
| Average total assets | $488,432,330 | 1,383 |
| Average earning assets | $459,656,670 | 1,344 |
| Average equity | $64,868,330 | 1,088 |
| Average total loans | $341,769,000 | 1,242 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8309% | 6,182 |
| Cost of funding earning assets | 0.5555% | 5,462 |
| Net interest margin | 3.2754% | 5,557 |
| Noninterest income to average assets | 0.5595% | 3,503 |
| Noninterest expense to average assets | 2.1854% | 6,078 |
| Loan and lease loss provision to assets | 0.2457% | 2,500 |
| Net operating income to assets | 0.7110% | 3,831 |
| Return on assets (ROA) | 0.7110% | 4,047 |
| Pretax return on assets | 1.2098% | 2,878 |
| Return on Equity (ROE) | 5.3563% | 4,605 |
| Retained earnings to average equity (ytd only) | 2.3202% | 5,100 |
| Net charge-offs to loans | 1.0361% | 1,000 |
| Credit loss provision to net charge-offs | 34.4432% | 3,549 |
| Earnings coverage of net charge-offs (x) | 2.0402% | 3,331 |
| Efficiency ratio | 60.0225% | 5,605 |
| Assets per employee ($millions) | 5.1046% | 2,117 |
| Cash dividends to net income (ytd only)* | 56.6820% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8023% | 2,988 |
| Loan loss allowance to noncurrent loans | 65.2160% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 3.0756% | 1,896 |
| Noncurrent loans to loans | 2.7636% | 2,349 |
| Net loans and leases to total assets | 67.9782% | 2,125 |
| Net loans and leases to deposits | 87.0835% | 1,278 |
| Net loans and leases to core deposits | 92.1925% | 1,633 |
| Total domestic deposits to total assets | 78.0609% | 6,254 |
| Equity capital to assets | 13.2729% | 1,332 |
| Core capital (leverage) ratio | 13.3293% | 1,008 |
| Tier 1 risk-based capital ratio | 18.7685% | 2,062 |
| Total risk-based capital ratio | 20.0257% | 2,028 |
| Memoranda: | ||
| Average total assets | $488,326,500 | 1,380 |
| Average earning assets | $459,421,000 | 1,350 |
| Average equity | $64,821,000 | 1,083 |
| Average total loans | $336,257,500 | 1,258 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2609% | 5,881 |
| Cost of funding earning assets | 0.7299% | 5,341 |
| Net interest margin | 3.5311% | 5,018 |
| Noninterest income to average assets | 0.4963% | 3,872 |
| Noninterest expense to average assets | 2.1618% | 6,353 |
| Loan and lease loss provision to assets | 0.4065% | 2,555 |
| Net operating income to assets | 0.8557% | 2,791 |
| Return on assets (ROA) | 0.8557% | 2,946 |
| Pretax return on assets | 1.2547% | 2,285 |
| Return on Equity (ROE) | 6.6229% | 3,576 |
| Retained earnings to average equity (ytd only) | 3.5270% | 3,712 |
| Net charge-offs to loans | 0.5676% | 2,750 |
| Credit loss provision to net charge-offs | 102.9336% | 3,360 |
| Earnings coverage of net charge-offs (x) | 4.2064% | 3,221 |
| Efficiency ratio | 56.5474% | 6,243 |
| Assets per employee ($millions) | 4.9654% | 2,248 |
| Cash dividends to net income (ytd only)* | 46.7458% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0058% | 2,259 |
| Loan loss allowance to noncurrent loans | 150.2923% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 2.0090% | 2,952 |
| Noncurrent loans to loans | 1.3346% | 4,143 |
| Net loans and leases to total assets | 67.1161% | 2,560 |
| Net loans and leases to deposits | 85.9485% | 1,674 |
| Net loans and leases to core deposits | 91.1309% | 1,974 |
| Total domestic deposits to total assets | 78.0888% | 6,175 |
| Equity capital to assets | 13.2753% | 1,370 |
| Core capital (leverage) ratio | 13.0250% | 1,128 |
| Tier 1 risk-based capital ratio | 19.0024% | 1,892 |
| Total risk-based capital ratio | 20.2614% | 1,850 |
| Memoranda: | ||
| Average total assets | $491,994,400 | 1,358 |
| Average earning assets | $463,514,800 | 1,324 |
| Average equity | $63,567,600 | 1,062 |
| Average total loans | $342,331,200 | 1,239 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3313% | 5,843 |
| Cost of funding earning assets | 0.7610% | 5,394 |
| Net interest margin | 3.5703% | 4,900 |
| Noninterest income to average assets | 0.4900% | 3,948 |
| Noninterest expense to average assets | 2.1540% | 6,386 |
| Loan and lease loss provision to assets | 0.4594% | 2,163 |
| Net operating income to assets | 0.8570% | 2,916 |
| Return on assets (ROA) | 0.8570% | 3,065 |
| Pretax return on assets | 1.2443% | 2,473 |
| Return on Equity (ROE) | 6.6781% | 3,672 |
| Retained earnings to average equity (ytd only) | 3.5697% | 4,204 |
| Net charge-offs to loans | 0.3235% | 3,481 |
| Credit loss provision to net charge-offs | 203.3493% | 1,439 |
| Earnings coverage of net charge-offs (x) | 7.5407% | 2,344 |
| Efficiency ratio | 55.8358% | 6,302 |
| Assets per employee ($millions) | 5.0601% | 2,113 |
| Cash dividends to net income (ytd only)* | 46.5469% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1974% | 1,864 |
| Loan loss allowance to noncurrent loans | 151.3230% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 1.9326% | 3,224 |
| Noncurrent loans to loans | 1.4521% | 4,119 |
| Net loans and leases to total assets | 67.9379% | 2,498 |
| Net loans and leases to deposits | 88.0299% | 1,432 |
| Net loans and leases to core deposits | 93.4438% | 1,837 |
| Total domestic deposits to total assets | 77.1760% | 6,349 |
| Equity capital to assets | 13.0424% | 1,600 |
| Core capital (leverage) ratio | 13.2408% | 1,130 |
| Tier 1 risk-based capital ratio | 18.5052% | 2,090 |
| Total risk-based capital ratio | 19.7665% | 2,044 |
| Memoranda: | ||
| Average total assets | $493,340,750 | 1,359 |
| Average earning assets | $465,349,750 | 1,318 |
| Average equity | $63,309,750 | 1,072 |
| Average total loans | $344,594,500 | 1,245 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4304% | 5,591 |
| Cost of funding earning assets | 0.8018% | 5,353 |
| Net interest margin | 3.6286% | 4,612 |
| Noninterest income to average assets | 0.4816% | 4,010 |
| Noninterest expense to average assets | 2.1729% | 6,447 |
| Loan and lease loss provision to assets | 0.4452% | 2,206 |
| Net operating income to assets | 0.9539% | 2,421 |
| Return on assets (ROA) | 0.9539% | 2,514 |
| Pretax return on assets | 1.2922% | 2,161 |
| Return on Equity (ROE) | 7.4737% | 3,204 |
| Retained earnings to average equity (ytd only) | 4.3536% | 3,422 |
| Net charge-offs to loans | 0.2360% | 3,708 |
| Credit loss provision to net charge-offs | 269.6078% | 1,129 |
| Earnings coverage of net charge-offs (x) | 10.5221% | 1,799 |
| Efficiency ratio | 55.5682% | 6,455 |
| Assets per employee ($millions) | 4.8510% | 2,336 |
| Cash dividends to net income (ytd only)* | 41.7480% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1341% | 2,047 |
| Loan loss allowance to noncurrent loans | 182.1349% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 1.7416% | 3,589 |
| Noncurrent loans to loans | 1.1717% | 4,696 |
| Net loans and leases to total assets | 69.8960% | 2,240 |
| Net loans and leases to deposits | 88.5501% | 1,421 |
| Net loans and leases to core deposits | 94.8050% | 1,815 |
| Total domestic deposits to total assets | 78.9338% | 6,106 |
| Equity capital to assets | 13.2696% | 1,400 |
| Core capital (leverage) ratio | 13.0726% | 1,124 |
| Tier 1 risk-based capital ratio | 18.3003% | 2,073 |
| Total risk-based capital ratio | 19.5609% | 2,024 |
| Memoranda: | ||
| Average total assets | $494,178,000 | 1,360 |
| Average earning assets | $466,952,670 | 1,320 |
| Average equity | $63,074,330 | 1,074 |
| Average total loans | $345,809,000 | 1,258 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4661% | 5,464 |
| Cost of funding earning assets | 0.8307% | 5,391 |
| Net interest margin | 3.6354% | 4,398 |
| Noninterest income to average assets | 0.4725% | 4,099 |
| Noninterest expense to average assets | 2.1343% | 6,559 |
| Loan and lease loss provision to assets | 0.2395% | 3,274 |
| Net operating income to assets | 1.1318% | 1,731 |
| Return on assets (ROA) | 1.1318% | 1,776 |
| Pretax return on assets | 1.5429% | 1,317 |
| Return on Equity (ROE) | 9.0393% | 2,459 |
| Retained earnings to average equity (ytd only) | 5.9030% | 2,700 |
| Net charge-offs to loans | 0.0737% | 4,200 |
| Credit loss provision to net charge-offs | 468.7500% | 755 |
| Earnings coverage of net charge-offs (x) | 34.8906% | 744 |
| Efficiency ratio | 54.4936% | 6,648 |
| Assets per employee ($millions) | 5.2261% | 1,856 |
| Cash dividends to net income (ytd only)* | 34.6968% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0024% | 2,412 |
| Loan loss allowance to noncurrent loans | 129.0711% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 1.7963% | 3,581 |
| Noncurrent loans to loans | 1.5514% | 4,140 |
| Net loans and leases to total assets | 66.9566% | 2,770 |
| Net loans and leases to deposits | 87.9107% | 1,474 |
| Net loans and leases to core deposits | 94.8143% | 1,788 |
| Total domestic deposits to total assets | 76.1644% | 6,645 |
| Equity capital to assets | 12.6060% | 1,569 |
| Core capital (leverage) ratio | 12.5991% | 1,283 |
| Tier 1 risk-based capital ratio | 18.2651% | 2,035 |
| Total risk-based capital ratio | 19.5244% | 1,984 |
| Memoranda: | ||
| Average total assets | $501,142,500 | 1,349 |
| Average earning assets | $474,778,500 | 1,298 |
| Average equity | $62,748,000 | 1,071 |
| Average total loans | $347,216,000 | 1,261 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8630% | 5,185 |
| Cost of funding earning assets | 1.1033% | 5,120 |
| Net interest margin | 3.7597% | 4,108 |
| Noninterest income to average assets | 0.4769% | 4,335 |
| Noninterest expense to average assets | 2.1226% | 6,792 |
| Loan and lease loss provision to assets | 1.2722% | 1,220 |
| Net operating income to assets | 0.4530% | 4,302 |
| Return on assets (ROA) | 0.4530% | 4,467 |
| Pretax return on assets | 0.6594% | 4,131 |
| Return on Equity (ROE) | 3.6920% | 4,654 |
| Retained earnings to average equity (ytd only) | 0.5038% | 5,331 |
| Net charge-offs to loans | 1.4147% | 1,574 |
| Credit loss provision to net charge-offs | 127.0850% | 3,181 |
| Earnings coverage of net charge-offs (x) | 1.9295% | 4,281 |
| Efficiency ratio | 52.3560% | 6,961 |
| Assets per employee ($millions) | 5.0058% | 2,147 |
| Cash dividends to net income (ytd only)* | 86.3537% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8849% | 2,605 |
| Loan loss allowance to noncurrent loans | 118.2516% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 1.8978% | 3,483 |
| Noncurrent loans to loans | 1.5940% | 4,107 |
| Net loans and leases to total assets | 68.9231% | 2,765 |
| Net loans and leases to deposits | 90.8252% | 1,419 |
| Net loans and leases to core deposits | 99.4689% | 1,660 |
| Total domestic deposits to total assets | 75.8855% | 6,644 |
| Equity capital to assets | 12.4358% | 1,678 |
| Core capital (leverage) ratio | 12.3094% | 1,386 |
| Tier 1 risk-based capital ratio | 17.6174% | 2,121 |
| Total risk-based capital ratio | 18.8751% | 2,087 |
| Memoranda: | ||
| Average total assets | $503,066,400 | 1,331 |
| Average earning assets | $478,657,200 | 1,280 |
| Average equity | $61,727,400 | 1,083 |
| Average total loans | $355,969,800 | 1,259 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9009% | 5,263 |
| Cost of funding earning assets | 1.1435% | 5,186 |
| Net interest margin | 3.7574% | 4,155 |
| Noninterest income to average assets | 0.4966% | 4,215 |
| Noninterest expense to average assets | 2.0584% | 6,938 |
| Loan and lease loss provision to assets | 1.2971% | 1,073 |
| Net operating income to assets | 0.4654% | 4,463 |
| Return on assets (ROA) | 0.4654% | 4,655 |
| Pretax return on assets | 0.7134% | 4,188 |
| Return on Equity (ROE) | 3.8053% | 4,873 |
| Retained earnings to average equity (ytd only) | 0.6104% | 5,558 |
| Net charge-offs to loans | 1.5646% | 1,276 |
| Credit loss provision to net charge-offs | 116.9451% | 3,555 |
| Earnings coverage of net charge-offs (x) | 1.8126% | 4,350 |
| Efficiency ratio | 50.5888% | 7,108 |
| Assets per employee ($millions) | 5.1703% | 1,975 |
| Cash dividends to net income (ytd only)* | 83.9591% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7043% | 3,135 |
| Loan loss allowance to noncurrent loans | 75.4293% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 2.0888% | 3,352 |
| Noncurrent loans to loans | 2.2595% | 3,374 |
| Net loans and leases to total assets | 68.7001% | 3,056 |
| Net loans and leases to deposits | 90.9203% | 1,592 |
| Net loans and leases to core deposits | 100.4349% | 1,814 |
| Total domestic deposits to total assets | 75.5608% | 6,725 |
| Equity capital to assets | 12.4080% | 1,905 |
| Core capital (leverage) ratio | 12.4628% | 1,432 |
| Tier 1 risk-based capital ratio | 17.7857% | 2,081 |
| Total risk-based capital ratio | 19.0414% | 2,046 |
| Memoranda: | ||
| Average total assets | $503,688,500 | 1,341 |
| Average earning assets | $478,863,250 | 1,296 |
| Average equity | $61,596,500 | 1,091 |
| Average total loans | $357,051,750 | 1,269 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8976% | 5,395 |
| Cost of funding earning assets | 1.1835% | 5,218 |
| Net interest margin | 3.7141% | 4,298 |
| Noninterest income to average assets | 0.4897% | 4,198 |
| Noninterest expense to average assets | 2.0586% | 7,003 |
| Loan and lease loss provision to assets | 1.6257% | 799 |
| Net operating income to assets | 0.1963% | 5,572 |
| Return on assets (ROA) | 0.1963% | 5,700 |
| Pretax return on assets | 0.3319% | 5,418 |
| Return on Equity (ROE) | 1.6128% | 5,755 |
| Retained earnings to average equity (ytd only) | -1.5932% | 6,086 |
| Net charge-offs to loans | 1.4732% | 1,296 |
| Credit loss provision to net charge-offs | 154.9509% | 2,539 |
| Earnings coverage of net charge-offs (x) | 1.8658% | 4,121 |
| Efficiency ratio | 51.2588% | 7,131 |
| Assets per employee ($millions) | 5.0890% | 2,062 |
| Cash dividends to net income (ytd only)* | 198.7879% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8768% | 2,484 |
| Loan loss allowance to noncurrent loans | 60.6975% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 2.6740% | 2,699 |
| Noncurrent loans to loans | 3.0921% | 2,597 |
| Net loans and leases to total assets | 69.7151% | 2,973 |
| Net loans and leases to deposits | 91.3738% | 1,639 |
| Net loans and leases to core deposits | 104.0336% | 1,638 |
| Total domestic deposits to total assets | 76.2965% | 6,631 |
| Equity capital to assets | 12.1898% | 1,983 |
| Core capital (leverage) ratio | 12.2598% | 1,512 |
| Tier 1 risk-based capital ratio | 17.2298% | 2,189 |
| Total risk-based capital ratio | 18.4878% | 2,152 |
| Memoranda: | ||
| Average total assets | $504,410,330 | 1,348 |
| Average earning assets | $478,933,000 | 1,296 |
| Average equity | $61,385,670 | 1,085 |
| Average total loans | $359,228,670 | 1,272 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9089% | 5,424 |
| Cost of funding earning assets | 1.2054% | 5,375 |
| Net interest margin | 3.7035% | 4,227 |
| Noninterest income to average assets | 0.5104% | 3,972 |
| Noninterest expense to average assets | 2.0638% | 7,028 |
| Loan and lease loss provision to assets | 2.3776% | 447 |
| Net operating income to assets | -0.6031% | 6,900 |
| Return on assets (ROA) | -0.6031% | 6,932 |
| Pretax return on assets | -0.4050% | 6,720 |
| Return on Equity (ROE) | -4.9599% | 6,882 |
| Retained earnings to average equity (ytd only) | -8.1666% | 6,843 |
| Net charge-offs to loans | 2.4431% | 676 |
| Credit loss provision to net charge-offs | 136.4877% | 2,584 |
| Earnings coverage of net charge-offs (x) | 1.1324% | 4,087 |
| Efficiency ratio | 51.1290% | 7,227 |
| Assets per employee ($millions) | 5.0629% | 2,152 |
| Cash dividends to net income (ytd only)* | -64.6518% | 7,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7077% | 3,040 |
| Loan loss allowance to noncurrent loans | 75.0186% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 2.1042% | 3,379 |
| Noncurrent loans to loans | 2.2763% | 3,424 |
| Net loans and leases to total assets | 69.6595% | 3,018 |
| Net loans and leases to deposits | 92.0342% | 1,609 |
| Net loans and leases to core deposits | 105.6397% | 1,605 |
| Total domestic deposits to total assets | 75.6887% | 6,806 |
| Equity capital to assets | 12.1228% | 1,969 |
| Core capital (leverage) ratio | 12.0573% | 1,627 |
| Tier 1 risk-based capital ratio | 17.1650% | 2,211 |
| Total risk-based capital ratio | 18.4208% | 2,161 |
| Memoranda: | ||
| Average total assets | $504,711,500 | 1,379 |
| Average earning assets | $480,517,500 | 1,329 |
| Average equity | $61,372,000 | 1,089 |
| Average total loans | $359,869,000 | 1,312 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1253% | 5,979 |
| Cost of funding earning assets | 1.6592% | 4,739 |
| Net interest margin | 3.4661% | 5,103 |
| Noninterest income to average assets | 0.4967% | 4,442 |
| Noninterest expense to average assets | 2.0729% | 7,241 |
| Loan and lease loss provision to assets | 1.2812% | 1,805 |
| Net operating income to assets | 0.3337% | 4,397 |
| Return on assets (ROA) | 0.3337% | 4,489 |
| Pretax return on assets | 0.4626% | 4,311 |
| Return on Equity (ROE) | 2.6847% | 4,629 |
| Retained earnings to average equity (ytd only) | -0.7827% | 5,197 |
| Net charge-offs to loans | 1.2484% | 1,974 |
| Credit loss provision to net charge-offs | 140.2893% | 3,469 |
| Earnings coverage of net charge-offs (x) | 1.9095% | 4,289 |
| Efficiency ratio | 54.3113% | 7,196 |
| Assets per employee ($millions) | 5.0820% | 2,109 |
| Cash dividends to net income (ytd only)* | 129.1542% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4441% | 4,012 |
| Loan loss allowance to noncurrent loans | 52.4826% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 2.4369% | 2,855 |
| Noncurrent loans to loans | 2.7516% | 2,811 |
| Net loans and leases to total assets | 70.6924% | 3,080 |
| Net loans and leases to deposits | 94.8886% | 1,477 |
| Net loans and leases to core deposits | 133.7873% | 1,066 |
| Total domestic deposits to total assets | 74.5003% | 6,944 |
| Equity capital to assets | 12.1963% | 1,915 |
| Core capital (leverage) ratio | 11.8183% | 1,750 |
| Tier 1 risk-based capital ratio | 17.0849% | 2,132 |
| Total risk-based capital ratio | 18.3374% | 2,091 |
| Memoranda: | ||
| Average total assets | $499,545,200 | 1,379 |
| Average earning assets | $478,490,200 | 1,320 |
| Average equity | $62,092,600 | 1,062 |
| Average total loans | $365,430,000 | 1,315 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1385% | 6,146 |
| Cost of funding earning assets | 1.7274% | 4,758 |
| Net interest margin | 3.4111% | 5,214 |
| Noninterest income to average assets | 0.4268% | 5,074 |
| Noninterest expense to average assets | 2.0048% | 7,373 |
| Loan and lease loss provision to assets | 1.5548% | 1,224 |
| Net operating income to assets | -0.1761% | 6,019 |
| Return on assets (ROA) | -0.1761% | 6,034 |
| Pretax return on assets | 0.1391% | 5,440 |
| Return on Equity (ROE) | -1.4101% | 6,004 |
| Retained earnings to average equity (ytd only) | -4.5781% | 6,201 |
| Net charge-offs to loans | 0.5823% | 2,931 |
| Credit loss provision to net charge-offs | 363.1810% | 1,123 |
| Earnings coverage of net charge-offs (x) | 3.9568% | 3,322 |
| Efficiency ratio | 54.2035% | 7,215 |
| Assets per employee ($millions) | 5.0688% | 2,058 |
| Cash dividends to net income (ytd only)* | -224.6570% | 8,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0522% | 1,684 |
| Loan loss allowance to noncurrent loans | 109.9121% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 1.7160% | 3,801 |
| Noncurrent loans to loans | 1.8671% | 3,815 |
| Net loans and leases to total assets | 71.1247% | 3,240 |
| Net loans and leases to deposits | 96.8062% | 1,477 |
| Net loans and leases to core deposits | 136.4792% | 1,076 |
| Total domestic deposits to total assets | 73.4713% | 7,031 |
| Equity capital to assets | 11.7676% | 2,387 |
| Core capital (leverage) ratio | 11.7615% | 1,927 |
| Tier 1 risk-based capital ratio | 16.2586% | 2,530 |
| Total risk-based capital ratio | 17.5188% | 2,467 |
| Memoranda: | ||
| Average total assets | $497,382,750 | 1,402 |
| Average earning assets | $477,095,750 | 1,342 |
| Average equity | $62,120,500 | 1,079 |
| Average total loans | $365,657,750 | 1,337 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1964% | 6,087 |
| Cost of funding earning assets | 1.8007% | 4,756 |
| Net interest margin | 3.3957% | 5,188 |
| Noninterest income to average assets | 0.4288% | 5,046 |
| Noninterest expense to average assets | 2.0226% | 7,426 |
| Loan and lease loss provision to assets | 0.6497% | 2,484 |
| Net operating income to assets | 0.6497% | 3,468 |
| Return on assets (ROA) | 0.6497% | 3,575 |
| Pretax return on assets | 1.0140% | 2,953 |
| Return on Equity (ROE) | 5.0999% | 4,035 |
| Retained earnings to average equity (ytd only) | 1.9635% | 4,252 |
| Net charge-offs to loans | 0.7706% | 2,139 |
| Credit loss provision to net charge-offs | 114.2041% | 4,058 |
| Earnings coverage of net charge-offs (x) | 2.9243% | 3,641 |
| Efficiency ratio | 54.8689% | 7,243 |
| Assets per employee ($millions) | 4.8992% | 2,195 |
| Cash dividends to net income (ytd only)* | 61.5000% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9703% | 6,444 |
| Loan loss allowance to noncurrent loans | 67.5047% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 1.2781% | 4,379 |
| Noncurrent loans to loans | 1.4373% | 4,344 |
| Net loans and leases to total assets | 74.0382% | 2,687 |
| Net loans and leases to deposits | 101.3477% | 1,133 |
| Net loans and leases to core deposits | 142.7370% | 904 |
| Total domestic deposits to total assets | 73.0536% | 7,103 |
| Equity capital to assets | 12.6066% | 1,875 |
| Core capital (leverage) ratio | 12.5815% | 1,583 |
| Tier 1 risk-based capital ratio | 17.1777% | 2,246 |
| Total risk-based capital ratio | 18.1697% | 2,276 |
| Memoranda: | ||
| Average total assets | $492,528,000 | 1,437 |
| Average earning assets | $472,477,000 | 1,373 |
| Average equity | $62,746,000 | 1,087 |
| Average total loans | $363,627,000 | 1,370 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0936% | 6,661 |
| Cost of funding earning assets | 1.8627% | 4,817 |
| Net interest margin | 3.2309% | 5,754 |
| Noninterest income to average assets | 0.4467% | 4,811 |
| Noninterest expense to average assets | 1.9839% | 7,392 |
| Loan and lease loss provision to assets | 0.2454% | 4,015 |
| Net operating income to assets | 0.9048% | 2,686 |
| Return on assets (ROA) | 0.9048% | 2,836 |
| Pretax return on assets | 1.3122% | 2,240 |
| Return on Equity (ROE) | 7.0648% | 3,570 |
| Retained earnings to average equity (ytd only) | 3.9220% | 3,710 |
| Net charge-offs to loans | 0.4406% | 2,351 |
| Credit loss provision to net charge-offs | 75.9494% | 4,257 |
| Earnings coverage of net charge-offs (x) | 4.8203% | 2,806 |
| Efficiency ratio | 56.0176% | 6,970 |
| Assets per employee ($millions) | 4.9085% | 2,162 |
| Cash dividends to net income (ytd only)* | 44.4846% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9243% | 6,636 |
| Loan loss allowance to noncurrent loans | 56.9889% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 1.3841% | 3,876 |
| Noncurrent loans to loans | 1.6219% | 3,847 |
| Net loans and leases to total assets | 72.0211% | 3,238 |
| Net loans and leases to deposits | 98.6803% | 1,573 |
| Net loans and leases to core deposits | 140.0587% | 1,097 |
| Total domestic deposits to total assets | 72.9842% | 7,054 |
| Equity capital to assets | 12.6918% | 1,894 |
| Core capital (leverage) ratio | 12.9582% | 1,494 |
| Tier 1 risk-based capital ratio | 17.8392% | 2,096 |
| Total risk-based capital ratio | 18.7859% | 2,118 |
| Memoranda: | ||
| Average total assets | $488,934,500 | 1,455 |
| Average earning assets | $468,356,500 | 1,390 |
| Average equity | $62,620,500 | 1,084 |
| Average total loans | $358,638,000 | 1,404 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9494% | 5,813 |
| Cost of funding earning assets | 2.5216% | 4,087 |
| Net interest margin | 3.4279% | 5,550 |
| Noninterest income to average assets | 0.5107% | 4,537 |
| Noninterest expense to average assets | 2.1481% | 7,117 |
| Loan and lease loss provision to assets | 0.6589% | 2,205 |
| Net operating income to assets | 0.6482% | 4,115 |
| Return on assets (ROA) | 0.6601% | 3,913 |
| Pretax return on assets | 0.9566% | 3,534 |
| Return on Equity (ROE) | 4.9931% | 4,392 |
| Retained earnings to average equity (ytd only) | 1.5320% | 4,303 |
| Net charge-offs to loans | 0.8756% | 1,422 |
| Credit loss provision to net charge-offs | 104.5531% | 5,117 |
| Earnings coverage of net charge-offs (x) | 2.5363% | 4,807 |
| Efficiency ratio | 57.3382% | 6,812 |
| Assets per employee ($millions) | 4.7265% | 2,288 |
| Cash dividends to net income (ytd only)* | 69.3175% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9600% | 6,347 |
| Loan loss allowance to noncurrent loans | 48.7340% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 1.4582% | 3,302 |
| Noncurrent loans to loans | 1.9698% | 2,800 |
| Net loans and leases to total assets | 73.3169% | 3,279 |
| Net loans and leases to deposits | 102.3267% | 1,551 |
| Net loans and leases to core deposits | 137.5354% | 1,409 |
| Total domestic deposits to total assets | 71.6499% | 7,067 |
| Equity capital to assets | 12.9266% | 1,821 |
| Core capital (leverage) ratio | 12.8197% | 1,610 |
| Tier 1 risk-based capital ratio | 17.9531% | 2,049 |
| Total risk-based capital ratio | 18.9426% | 2,064 |
| Memoranda: | ||
| Average total assets | $470,516,200 | 1,467 |
| Average earning assets | $444,126,000 | 1,407 |
| Average equity | $62,206,000 | 1,081 |
| Average total loans | $338,608,000 | 1,434 |