Home > Albany Bank and Trust Company > Performance and Condition Ratios
Albany 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 | 4.5559% | 3,002 |
| Cost of funding earning assets | 1.5158% | 1,907 |
| Net interest margin | 3.0401% | 3,202 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 1.7077% | 4,127 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9675% | 2,315 |
| Return on assets (ROA) | 0.9675% | 2,300 |
| Pretax return on assets | 1.3611% | 1,720 |
| Return on Equity (ROE) | 6.1400% | 3,492 |
| Retained earnings to average equity (ytd only) | 3.6360% | 3,078 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.6470% | 3,530 |
| Assets per employee ($millions) | 11.9731% | 417 |
| Cash dividends to net income (ytd only)* | 40.7397% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8763% | 3,789 |
| Loan loss allowance to noncurrent loans | 1,410.6742% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 3,277 |
| Noncurrent loans to loans | 0.0621% | 3,268 |
| Net loans and leases to total assets | 76.5200% | 1,046 |
| Net loans and leases to deposits | 91.1899% | 1,165 |
| Net loans and leases to core deposits | 117.8838% | 692 |
| Total domestic deposits to total assets | 83.9200% | 2,648 |
| Equity capital to assets | 15.4854% | 509 |
| Core capital (leverage) ratio | 15.3895% | 563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $712,670,800 | 1,289 |
| Average earning assets | $692,579,200 | 1,248 |
| Average equity | $112,375,600 | 874 |
| Average total loans | $562,299,600 | 1,128 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4562% | 2,997 |
| Cost of funding earning assets | 1.3905% | 1,898 |
| Net interest margin | 3.0658% | 3,209 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 1.8586% | 3,872 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8052% | 3,010 |
| Return on assets (ROA) | 0.8052% | 3,002 |
| Pretax return on assets | 1.2400% | 2,199 |
| Return on Equity (ROE) | 5.0800% | 3,793 |
| Retained earnings to average equity (ytd only) | 3.4391% | 3,405 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.9817% | 2,965 |
| Assets per employee ($millions) | 11.7828% | 396 |
| Cash dividends to net income (ytd only)* | 32.3315% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8716% | 3,821 |
| Loan loss allowance to noncurrent loans | 1,410.6742% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 3,314 |
| Noncurrent loans to loans | 0.0618% | 3,310 |
| Net loans and leases to total assets | 79.4700% | 710 |
| Net loans and leases to deposits | 95.3568% | 793 |
| Net loans and leases to core deposits | 121.4774% | 514 |
| Total domestic deposits to total assets | 83.3400% | 2,954 |
| Equity capital to assets | 15.7395% | 466 |
| Core capital (leverage) ratio | 15.8300% | 516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $705,256,000 | 1,296 |
| Average earning assets | $685,316,250 | 1,256 |
| Average equity | $111,731,250 | 871 |
| Average total loans | $559,606,500 | 1,133 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3761% | 2,942 |
| Cost of funding earning assets | 1.2428% | 1,873 |
| Net interest margin | 3.1333% | 3,145 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 1.9039% | 3,811 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8277% | 2,994 |
| Return on assets (ROA) | 0.8277% | 3,005 |
| Pretax return on assets | 1.2672% | 2,173 |
| Return on Equity (ROE) | 5.2100% | 3,857 |
| Retained earnings to average equity (ytd only) | 3.5483% | 3,334 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.0396% | 2,955 |
| Assets per employee ($millions) | 11.2250% | 482 |
| Cash dividends to net income (ytd only)* | 31.9310% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8728% | 3,852 |
| Loan loss allowance to noncurrent loans | 1,410.6742% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 3,268 |
| Noncurrent loans to loans | 0.0619% | 3,257 |
| Net loans and leases to total assets | 81.9500% | 435 |
| Net loans and leases to deposits | 98.6893% | 574 |
| Net loans and leases to core deposits | 130.1461% | 325 |
| Total domestic deposits to total assets | 83.0400% | 3,038 |
| Equity capital to assets | 16.1303% | 432 |
| Core capital (leverage) ratio | 16.0863% | 467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $700,757,667 | 1,298 |
| Average earning assets | $680,745,333 | 1,254 |
| Average equity | $111,265,667 | 865 |
| Average total loans | $554,079,333 | 1,129 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2511% | 2,924 |
| Cost of funding earning assets | 0.9985% | 2,054 |
| Net interest margin | 3.2526% | 2,986 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 1.9671% | 3,701 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8726% | 2,947 |
| Return on assets (ROA) | 0.8726% | 2,901 |
| Pretax return on assets | 1.2907% | 2,203 |
| Return on Equity (ROE) | 5.5400% | 3,797 |
| Retained earnings to average equity (ytd only) | 3.8206% | 3,319 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.3807% | 2,913 |
| Assets per employee ($millions) | 10.9473% | 518 |
| Cash dividends to net income (ytd only)* | 31.0300% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9152% | 3,816 |
| Loan loss allowance to noncurrent loans | 1,410.6742% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 3,278 |
| Noncurrent loans to loans | 0.0649% | 3,270 |
| Net loans and leases to total assets | 77.6000% | 810 |
| Net loans and leases to deposits | 92.9971% | 851 |
| Net loans and leases to core deposits | 119.7446% | 446 |
| Total domestic deposits to total assets | 83.4500% | 3,211 |
| Equity capital to assets | 15.9081% | 416 |
| Core capital (leverage) ratio | 15.7219% | 493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $703,162,000 | 1,309 |
| Average earning assets | $683,393,500 | 1,268 |
| Average equity | $110,769,000 | 881 |
| Average total loans | $543,428,000 | 1,156 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4944% | 3,090 |
| Cost of funding earning assets | 0.3054% | 2,832 |
| Net interest margin | 3.1889% | 2,901 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 1.6295% | 4,272 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1302% | 2,054 |
| Return on assets (ROA) | 1.1302% | 1,995 |
| Pretax return on assets | 1.5532% | 1,282 |
| Return on Equity (ROE) | 7.6000% | 3,486 |
| Retained earnings to average equity (ytd only) | 5.0094% | 3,047 |
| Net charge-offs to loans | 0.0089% | 2,056 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 254.9091% | 545 |
| Efficiency ratio | 51.1987% | 4,050 |
| Assets per employee ($millions) | 11.0266% | 503 |
| Cash dividends to net income (ytd only)* | 34.1135% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9332% | 3,656 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 75.5400% | 1,058 |
| Net loans and leases to deposits | 89.9350% | 1,057 |
| Net loans and leases to core deposits | 111.1638% | 573 |
| Total domestic deposits to total assets | 84.0000% | 3,207 |
| Equity capital to assets | 15.5990% | 418 |
| Core capital (leverage) ratio | 14.7344% | 601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $722,105,000 | 1,283 |
| Average earning assets | $696,092,200 | 1,241 |
| Average equity | $107,338,400 | 902 |
| Average total loans | $496,196,400 | 1,185 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2023% | 3,429 |
| Cost of funding earning assets | 0.2237% | 3,005 |
| Net interest margin | 2.9786% | 3,276 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 1.7429% | 4,088 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8280% | 3,143 |
| Return on assets (ROA) | 0.8280% | 3,109 |
| Pretax return on assets | 1.2329% | 2,247 |
| Return on Equity (ROE) | 5.6400% | 3,863 |
| Retained earnings to average equity (ytd only) | 3.9479% | 3,460 |
| Net charge-offs to loans | 0.0145% | 1,585 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 126.6981% | 822 |
| Efficiency ratio | 58.5698% | 3,316 |
| Assets per employee ($millions) | 11.1633% | 474 |
| Cash dividends to net income (ytd only)* | 29.9778% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9889% | 3,538 |
| Loan loss allowance to noncurrent loans | 938.7640% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 3,144 |
| Noncurrent loans to loans | 0.1053% | 3,129 |
| Net loans and leases to total assets | 70.2500% | 1,458 |
| Net loans and leases to deposits | 83.3796% | 1,347 |
| Net loans and leases to core deposits | 99.6091% | 829 |
| Total domestic deposits to total assets | 84.2600% | 3,441 |
| Equity capital to assets | 15.0404% | 451 |
| Core capital (leverage) ratio | 15.0679% | 544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $726,206,250 | 1,285 |
| Average earning assets | $698,429,750 | 1,245 |
| Average equity | $106,652,500 | 916 |
| Average total loans | $485,711,500 | 1,201 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0511% | 3,427 |
| Cost of funding earning assets | 0.1986% | 2,929 |
| Net interest margin | 2.8524% | 3,281 |
| Noninterest income to average assets | 0.1129% | 4,432 |
| Noninterest expense to average assets | 1.7153% | 4,120 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7656% | 3,086 |
| Return on assets (ROA) | 0.7656% | 3,050 |
| Pretax return on assets | 1.1354% | 2,285 |
| Return on Equity (ROE) | 5.2545% | 3,764 |
| Retained earnings to average equity (ytd only) | 3.5607% | 3,252 |
| Net charge-offs to loans | 0.0234% | 1,255 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 74.0179% | 975 |
| Efficiency ratio | 60.1710% | 3,274 |
| Assets per employee ($millions) | 11.1526% | 471 |
| Cash dividends to net income (ytd only)* | 32.2361% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0372% | 3,435 |
| Loan loss allowance to noncurrent loans | 938.2022% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.0748% | 3,227 |
| Noncurrent loans to loans | 0.1106% | 3,194 |
| Net loans and leases to total assets | 66.9702% | 1,589 |
| Net loans and leases to deposits | 79.3237% | 1,434 |
| Net loans and leases to core deposits | 94.9282% | 871 |
| Total domestic deposits to total assets | 84.4265% | 3,602 |
| Equity capital to assets | 14.9706% | 405 |
| Core capital (leverage) ratio | 14.5988% | 531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $730,123,667 | 1,279 |
| Average earning assets | $700,805,333 | 1,248 |
| Average equity | $106,384,333 | 925 |
| Average total loans | $478,634,000 | 1,211 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9790% | 3,314 |
| Cost of funding earning assets | 0.2197% | 2,535 |
| Net interest margin | 2.7593% | 3,252 |
| Noninterest income to average assets | 0.1105% | 4,455 |
| Noninterest expense to average assets | 1.7456% | 4,061 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6913% | 3,092 |
| Return on assets (ROA) | 0.6913% | 3,081 |
| Pretax return on assets | 1.0191% | 2,379 |
| Return on Equity (ROE) | 4.8083% | 3,669 |
| Retained earnings to average equity (ytd only) | 3.1126% | 3,223 |
| Net charge-offs to loans | 0.0512% | 779 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 30.8361% | 1,117 |
| Efficiency ratio | 63.1393% | 3,129 |
| Assets per employee ($millions) | 11.2662% | 471 |
| Cash dividends to net income (ytd only)* | 35.2665% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0596% | 3,494 |
| Loan loss allowance to noncurrent loans | 937.2659% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 3,349 |
| Noncurrent loans to loans | 0.1130% | 3,263 |
| Net loans and leases to total assets | 62.8539% | 1,760 |
| Net loans and leases to deposits | 73.7686% | 1,626 |
| Net loans and leases to core deposits | 87.7596% | 1,032 |
| Total domestic deposits to total assets | 85.2042% | 3,496 |
| Equity capital to assets | 14.2611% | 484 |
| Core capital (leverage) ratio | 14.2862% | 542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $738,303,000 | 1,273 |
| Average earning assets | $710,175,500 | 1,236 |
| Average equity | $106,149,000 | 953 |
| Average total loans | $476,441,000 | 1,202 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9741% | 3,916 |
| Cost of funding earning assets | 0.2948% | 2,453 |
| Net interest margin | 2.6794% | 3,914 |
| Noninterest income to average assets | 0.1144% | 4,550 |
| Noninterest expense to average assets | 1.5543% | 4,481 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8260% | 3,256 |
| Return on assets (ROA) | 0.8260% | 3,327 |
| Pretax return on assets | 1.1438% | 2,838 |
| Return on Equity (ROE) | 5.5173% | 3,880 |
| Retained earnings to average equity (ytd only) | 2.9385% | 3,653 |
| Net charge-offs to loans | -0.0052% | 3,563 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6072% | 3,504 |
| Assets per employee ($millions) | 12.2173% | 377 |
| Cash dividends to net income (ytd only)* | 46.7404% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 3,549 |
| Loan loss allowance to noncurrent loans | 257.4187% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.2685% | 2,204 |
| Noncurrent loans to loans | 0.4096% | 2,132 |
| Net loans and leases to total assets | 64.8601% | 1,599 |
| Net loans and leases to deposits | 75.9772% | 1,573 |
| Net loans and leases to core deposits | 90.8682% | 929 |
| Total domestic deposits to total assets | 85.3678% | 3,149 |
| Equity capital to assets | 14.4955% | 578 |
| Core capital (leverage) ratio | 14.7661% | 497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $700,120,000 | 1,284 |
| Average earning assets | $675,126,200 | 1,254 |
| Average equity | $104,816,200 | 974 |
| Average total loans | $459,889,600 | 1,240 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0015% | 4,000 |
| Cost of funding earning assets | 0.3060% | 2,536 |
| Net interest margin | 2.6955% | 3,989 |
| Noninterest income to average assets | 0.1152% | 4,599 |
| Noninterest expense to average assets | 1.7174% | 4,301 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6808% | 3,819 |
| Return on assets (ROA) | 0.6808% | 3,876 |
| Pretax return on assets | 0.9969% | 3,465 |
| Return on Equity (ROE) | 4.5096% | 4,225 |
| Retained earnings to average equity (ytd only) | 2.7839% | 3,974 |
| Net charge-offs to loans | -0.0023% | 3,250 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2730% | 2,497 |
| Assets per employee ($millions) | 11.1484% | 462 |
| Cash dividends to net income (ytd only)* | 38.2678% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 3,532 |
| Loan loss allowance to noncurrent loans | 257.7846% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.2789% | 2,385 |
| Noncurrent loans to loans | 0.4190% | 2,306 |
| Net loans and leases to total assets | 65.8491% | 1,569 |
| Net loans and leases to deposits | 77.8452% | 1,498 |
| Net loans and leases to core deposits | 94.3996% | 812 |
| Total domestic deposits to total assets | 84.5897% | 3,268 |
| Equity capital to assets | 15.0197% | 541 |
| Core capital (leverage) ratio | 14.8008% | 522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $691,891,000 | 1,313 |
| Average earning assets | $667,115,000 | 1,283 |
| Average equity | $104,456,000 | 993 |
| Average total loans | $454,733,500 | 1,272 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9608% | 4,114 |
| Cost of funding earning assets | 0.3176% | 2,615 |
| Net interest margin | 2.6432% | 4,096 |
| Noninterest income to average assets | 0.1153% | 4,626 |
| Noninterest expense to average assets | 1.7222% | 4,330 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6476% | 3,878 |
| Return on assets (ROA) | 0.6476% | 3,940 |
| Pretax return on assets | 0.9439% | 3,562 |
| Return on Equity (ROE) | 4.2820% | 4,281 |
| Retained earnings to average equity (ytd only) | 2.5511% | 3,985 |
| Net charge-offs to loans | -0.0004% | 3,039 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5963% | 2,350 |
| Assets per employee ($millions) | 11.0684% | 447 |
| Cash dividends to net income (ytd only)* | 40.4217% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0874% | 3,470 |
| Loan loss allowance to noncurrent loans | 107.8486% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.6814% | 1,206 |
| Noncurrent loans to loans | 1.0083% | 1,218 |
| Net loans and leases to total assets | 66.8447% | 1,601 |
| Net loans and leases to deposits | 79.1943% | 1,499 |
| Net loans and leases to core deposits | 96.4808% | 783 |
| Total domestic deposits to total assets | 84.4059% | 3,311 |
| Equity capital to assets | 15.2598% | 488 |
| Core capital (leverage) ratio | 14.9163% | 484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $688,404,667 | 1,313 |
| Average earning assets | $664,358,333 | 1,280 |
| Average equity | $104,111,000 | 984 |
| Average total loans | $450,464,333 | 1,288 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9040% | 4,248 |
| Cost of funding earning assets | 0.3333% | 2,679 |
| Net interest margin | 2.5707% | 4,203 |
| Noninterest income to average assets | 0.1131% | 4,630 |
| Noninterest expense to average assets | 1.8013% | 4,213 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5517% | 4,069 |
| Return on assets (ROA) | 0.5517% | 4,109 |
| Pretax return on assets | 0.7954% | 3,822 |
| Return on Equity (ROE) | 3.6645% | 4,354 |
| Retained earnings to average equity (ytd only) | 1.9305% | 4,023 |
| Net charge-offs to loans | 0.0072% | 1,641 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 171.3750% | 446 |
| Efficiency ratio | 69.3700% | 1,776 |
| Assets per employee ($millions) | 10.7539% | 481 |
| Cash dividends to net income (ytd only)* | 47.3186% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 3,375 |
| Loan loss allowance to noncurrent loans | 312.0893% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.2344% | 2,971 |
| Noncurrent loans to loans | 0.3563% | 2,804 |
| Net loans and leases to total assets | 65.0370% | 1,917 |
| Net loans and leases to deposits | 76.8582% | 1,818 |
| Net loans and leases to core deposits | 94.1277% | 974 |
| Total domestic deposits to total assets | 84.6195% | 3,247 |
| Equity capital to assets | 15.1029% | 481 |
| Core capital (leverage) ratio | 14.9937% | 479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $689,487,000 | 1,301 |
| Average earning assets | $666,112,000 | 1,269 |
| Average equity | $103,807,000 | 978 |
| Average total loans | $443,817,500 | 1,295 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2431% | 4,402 |
| Cost of funding earning assets | 0.5630% | 2,546 |
| Net interest margin | 2.6801% | 4,404 |
| Noninterest income to average assets | 0.1072% | 4,723 |
| Noninterest expense to average assets | 1.5736% | 4,724 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8224% | 3,007 |
| Return on assets (ROA) | 0.8224% | 3,131 |
| Pretax return on assets | 1.1338% | 2,572 |
| Return on Equity (ROE) | 5.3099% | 3,812 |
| Retained earnings to average equity (ytd only) | 3.2497% | 3,203 |
| Net charge-offs to loans | -0.0033% | 4,048 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1230% | 3,709 |
| Assets per employee ($millions) | 10.4656% | 458 |
| Cash dividends to net income (ytd only)* | 38.7996% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 3,170 |
| Loan loss allowance to noncurrent loans | 313.1677% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.2331% | 3,124 |
| Noncurrent loans to loans | 0.3701% | 2,875 |
| Net loans and leases to total assets | 62.2451% | 2,575 |
| Net loans and leases to deposits | 73.3904% | 2,549 |
| Net loans and leases to core deposits | 89.6783% | 1,553 |
| Total domestic deposits to total assets | 84.8137% | 2,830 |
| Equity capital to assets | 15.0087% | 571 |
| Core capital (leverage) ratio | 14.8796% | 521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $658,427,400 | 1,240 |
| Average earning assets | $638,775,600 | 1,193 |
| Average equity | $101,978,600 | 945 |
| Average total loans | $425,855,200 | 1,279 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2909% | 4,482 |
| Cost of funding earning assets | 0.6183% | 2,500 |
| Net interest margin | 2.6726% | 4,496 |
| Noninterest income to average assets | 0.1126% | 4,716 |
| Noninterest expense to average assets | 1.7658% | 4,548 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6439% | 3,647 |
| Return on assets (ROA) | 0.6439% | 3,745 |
| Pretax return on assets | 0.9422% | 3,257 |
| Return on Equity (ROE) | 4.1237% | 4,130 |
| Retained earnings to average equity (ytd only) | 2.9421% | 3,548 |
| Net charge-offs to loans | -0.0038% | 3,991 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2055% | 2,554 |
| Assets per employee ($millions) | 9.8021% | 545 |
| Cash dividends to net income (ytd only)* | 28.6533% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 2,746 |
| Loan loss allowance to noncurrent loans | 300.1787% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 3,211 |
| Noncurrent loans to loans | 0.3951% | 2,875 |
| Net loans and leases to total assets | 61.1995% | 3,095 |
| Net loans and leases to deposits | 72.3895% | 3,100 |
| Net loans and leases to core deposits | 88.5372% | 2,101 |
| Total domestic deposits to total assets | 84.5419% | 2,611 |
| Equity capital to assets | 14.9674% | 643 |
| Core capital (leverage) ratio | 15.0556% | 532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $650,352,500 | 1,235 |
| Average earning assets | $631,588,000 | 1,194 |
| Average equity | $101,556,000 | 942 |
| Average total loans | $423,572,500 | 1,281 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4345% | 4,504 |
| Cost of funding earning assets | 0.6971% | 2,398 |
| Net interest margin | 2.7373% | 4,524 |
| Noninterest income to average assets | 0.1125% | 4,730 |
| Noninterest expense to average assets | 1.7976% | 4,559 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6760% | 3,478 |
| Return on assets (ROA) | 0.6760% | 3,583 |
| Pretax return on assets | 0.9768% | 3,094 |
| Return on Equity (ROE) | 4.2659% | 4,034 |
| Retained earnings to average equity (ytd only) | 3.0798% | 3,348 |
| Net charge-offs to loans | -0.0033% | 3,902 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7922% | 2,694 |
| Assets per employee ($millions) | 9.8831% | 512 |
| Cash dividends to net income (ytd only)* | 27.8035% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 2,648 |
| Loan loss allowance to noncurrent loans | 294.9619% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.2540% | 3,296 |
| Noncurrent loans to loans | 0.3976% | 2,981 |
| Net loans and leases to total assets | 63.1312% | 2,989 |
| Net loans and leases to deposits | 74.7689% | 3,000 |
| Net loans and leases to core deposits | 92.7525% | 1,838 |
| Total domestic deposits to total assets | 84.4352% | 2,585 |
| Equity capital to assets | 15.1921% | 591 |
| Core capital (leverage) ratio | 15.3722% | 516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $638,421,667 | 1,237 |
| Average earning assets | $620,823,667 | 1,190 |
| Average equity | $101,175,333 | 937 |
| Average total loans | $423,111,000 | 1,273 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6798% | 4,430 |
| Cost of funding earning assets | 0.8034% | 2,372 |
| Net interest margin | 2.8763% | 4,469 |
| Noninterest income to average assets | 0.1216% | 4,752 |
| Noninterest expense to average assets | 1.9376% | 4,507 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6930% | 3,298 |
| Return on assets (ROA) | 0.6930% | 3,366 |
| Pretax return on assets | 0.9923% | 2,867 |
| Return on Equity (ROE) | 4.2775% | 3,878 |
| Retained earnings to average equity (ytd only) | 3.0860% | 3,045 |
| Net charge-offs to loans | -0.0048% | 3,857 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1322% | 2,943 |
| Assets per employee ($millions) | 9.1984% | 501 |
| Cash dividends to net income (ytd only)* | 27.8552% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2122% | 2,601 |
| Loan loss allowance to noncurrent loans | 310.1047% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.2595% | 3,415 |
| Noncurrent loans to loans | 0.3909% | 3,085 |
| Net loans and leases to total assets | 65.5745% | 2,866 |
| Net loans and leases to deposits | 78.5377% | 2,832 |
| Net loans and leases to core deposits | 99.2004% | 1,534 |
| Total domestic deposits to total assets | 83.4942% | 2,951 |
| Equity capital to assets | 16.1822% | 551 |
| Core capital (leverage) ratio | 15.7144% | 559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $621,605,500 | 1,228 |
| Average earning assets | $606,885,000 | 1,172 |
| Average equity | $100,713,500 | 938 |
| Average total loans | $420,011,000 | 1,246 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0926% | 4,057 |
| Cost of funding earning assets | 0.7764% | 2,789 |
| Net interest margin | 3.3162% | 3,955 |
| Noninterest income to average assets | 0.1144% | 4,887 |
| Noninterest expense to average assets | 1.7994% | 4,773 |
| Loan and lease loss provision to assets | 0.0099% | 3,807 |
| Net operating income to assets | 1.1052% | 2,423 |
| Return on assets (ROA) | 1.1052% | 2,518 |
| Pretax return on assets | 1.5291% | 1,717 |
| Return on Equity (ROE) | 6.8488% | 3,608 |
| Retained earnings to average equity (ytd only) | 4.6973% | 2,590 |
| Net charge-offs to loans | -0.0081% | 4,418 |
| Credit loss provision to net charge-offs | -171.4286% | 4,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9006% | 4,429 |
| Assets per employee ($millions) | 9.3594% | 438 |
| Cash dividends to net income (ytd only)* | 31.4145% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 2,520 |
| Loan loss allowance to noncurrent loans | 305.2823% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.2666% | 3,363 |
| Noncurrent loans to loans | 0.3877% | 3,047 |
| Net loans and leases to total assets | 67.9594% | 2,685 |
| Net loans and leases to deposits | 81.3441% | 2,635 |
| Net loans and leases to core deposits | 103.1171% | 1,300 |
| Total domestic deposits to total assets | 83.5455% | 3,006 |
| Equity capital to assets | 16.2223% | 566 |
| Core capital (leverage) ratio | 15.9573% | 526 |
| Tier 1 risk-based capital ratio | 22.1353% | 1,007 |
| Total risk-based capital ratio | 23.2630% | 999 |
| Memoranda: | ||
| Average total assets | $605,136,600 | 1,215 |
| Average earning assets | $588,327,800 | 1,180 |
| Average equity | $97,652,200 | 917 |
| Average total loans | $430,205,600 | 1,199 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1564% | 4,024 |
| Cost of funding earning assets | 0.7413% | 3,005 |
| Net interest margin | 3.4151% | 3,826 |
| Noninterest income to average assets | 0.1118% | 4,948 |
| Noninterest expense to average assets | 2.0434% | 4,468 |
| Loan and lease loss provision to assets | 0.0133% | 3,638 |
| Net operating income to assets | 0.9468% | 3,177 |
| Return on assets (ROA) | 0.9468% | 3,252 |
| Pretax return on assets | 1.3721% | 2,417 |
| Return on Equity (ROE) | 5.8754% | 4,081 |
| Retained earnings to average equity (ytd only) | 4.6384% | 3,087 |
| Net charge-offs to loans | -0.0093% | 4,352 |
| Credit loss provision to net charge-offs | -200.0000% | 4,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5956% | 3,709 |
| Assets per employee ($millions) | 9.1095% | 466 |
| Cash dividends to net income (ytd only)* | 21.0526% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1401% | 2,826 |
| Loan loss allowance to noncurrent loans | 302.2262% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.2723% | 3,464 |
| Noncurrent loans to loans | 0.3772% | 3,205 |
| Net loans and leases to total assets | 71.3624% | 2,271 |
| Net loans and leases to deposits | 85.7254% | 2,226 |
| Net loans and leases to core deposits | 108.6921% | 1,009 |
| Total domestic deposits to total assets | 83.2453% | 3,083 |
| Equity capital to assets | 16.2153% | 599 |
| Core capital (leverage) ratio | 16.0432% | 551 |
| Tier 1 risk-based capital ratio | 20.9550% | 1,198 |
| Total risk-based capital ratio | 22.0348% | 1,193 |
| Memoranda: | ||
| Average total assets | $601,990,250 | 1,223 |
| Average earning assets | $584,691,250 | 1,182 |
| Average equity | $97,013,000 | 922 |
| Average total loans | $431,550,000 | 1,204 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1469% | 4,054 |
| Cost of funding earning assets | 0.6915% | 3,215 |
| Net interest margin | 3.4554% | 3,727 |
| Noninterest income to average assets | 0.1071% | 5,008 |
| Noninterest expense to average assets | 2.1141% | 4,391 |
| Loan and lease loss provision to assets | 0.0200% | 3,392 |
| Net operating income to assets | 0.9232% | 3,198 |
| Return on assets (ROA) | 0.9232% | 3,256 |
| Pretax return on assets | 1.3271% | 2,452 |
| Return on Equity (ROE) | 5.7409% | 4,137 |
| Retained earnings to average equity (ytd only) | 4.4956% | 3,022 |
| Net charge-offs to loans | -0.0117% | 4,372 |
| Credit loss provision to net charge-offs | -240.0000% | 4,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0800% | 3,571 |
| Assets per employee ($millions) | 9.0479% | 454 |
| Cash dividends to net income (ytd only)* | 21.6920% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 2,708 |
| Loan loss allowance to noncurrent loans | 156.1294% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.5625% | 2,330 |
| Noncurrent loans to loans | 0.7454% | 2,124 |
| Net loans and leases to total assets | 71.3681% | 2,314 |
| Net loans and leases to deposits | 85.8129% | 2,277 |
| Net loans and leases to core deposits | 107.3801% | 1,151 |
| Total domestic deposits to total assets | 83.1671% | 3,153 |
| Equity capital to assets | 16.3667% | 560 |
| Core capital (leverage) ratio | 16.0160% | 540 |
| Tier 1 risk-based capital ratio | 20.8759% | 1,196 |
| Total risk-based capital ratio | 21.9641% | 1,192 |
| Memoranda: | ||
| Average total assets | $599,207,670 | 1,230 |
| Average earning assets | $581,639,000 | 1,182 |
| Average equity | $96,361,330 | 923 |
| Average total loans | $428,541,670 | 1,212 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1463% | 4,015 |
| Cost of funding earning assets | 0.6627% | 3,246 |
| Net interest margin | 3.4837% | 3,640 |
| Noninterest income to average assets | 0.1013% | 5,074 |
| Noninterest expense to average assets | 2.2211% | 4,213 |
| Loan and lease loss provision to assets | 0.0400% | 2,827 |
| Net operating income to assets | 0.8543% | 3,434 |
| Return on assets (ROA) | 0.8543% | 3,476 |
| Pretax return on assets | 1.2209% | 2,729 |
| Return on Equity (ROE) | 5.3599% | 4,234 |
| Retained earnings to average equity (ytd only) | 4.1014% | 3,278 |
| Net charge-offs to loans | -0.0206% | 4,499 |
| Credit loss provision to net charge-offs | -272.7273% | 3,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7895% | 3,274 |
| Assets per employee ($millions) | 8.8179% | 510 |
| Cash dividends to net income (ytd only)* | 23.4789% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1732% | 2,724 |
| Loan loss allowance to noncurrent loans | 154.2128% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.5665% | 2,369 |
| Noncurrent loans to loans | 0.7608% | 2,127 |
| Net loans and leases to total assets | 70.4538% | 2,410 |
| Net loans and leases to deposits | 84.2661% | 2,354 |
| Net loans and leases to core deposits | 102.3789% | 1,428 |
| Total domestic deposits to total assets | 83.6087% | 3,177 |
| Equity capital to assets | 16.0553% | 561 |
| Core capital (leverage) ratio | 15.8366% | 556 |
| Tier 1 risk-based capital ratio | 20.3801% | 1,265 |
| Total risk-based capital ratio | 21.4550% | 1,269 |
| Memoranda: | ||
| Average total assets | $600,230,000 | 1,225 |
| Average earning assets | $582,489,500 | 1,179 |
| Average equity | $95,674,000 | 925 |
| Average total loans | $427,211,500 | 1,220 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9856% | 4,068 |
| Cost of funding earning assets | 0.4684% | 3,560 |
| Net interest margin | 3.5172% | 3,647 |
| Noninterest income to average assets | 0.1488% | 4,964 |
| Noninterest expense to average assets | 1.8315% | 4,975 |
| Loan and lease loss provision to assets | 0.0672% | 2,809 |
| Net operating income to assets | 1.1953% | 2,193 |
| Return on assets (ROA) | 1.1953% | 2,190 |
| Pretax return on assets | 1.6521% | 1,307 |
| Return on Equity (ROE) | 7.7104% | 3,570 |
| Retained earnings to average equity (ytd only) | 5.3132% | 2,590 |
| Net charge-offs to loans | 0.0014% | 3,715 |
| Credit loss provision to net charge-offs | 6,666.6667% | 71 |
| Earnings coverage of net charge-offs (x) | 1,706.3333% | 64 |
| Efficiency ratio | 51.5796% | 4,829 |
| Assets per employee ($millions) | 8.7079% | 512 |
| Cash dividends to net income (ytd only)* | 31.0902% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 2,798 |
| Loan loss allowance to noncurrent loans | 295.9808% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 3,370 |
| Noncurrent loans to loans | 0.3904% | 3,134 |
| Net loans and leases to total assets | 70.2382% | 2,532 |
| Net loans and leases to deposits | 83.6502% | 2,546 |
| Net loans and leases to core deposits | 98.9552% | 1,793 |
| Total domestic deposits to total assets | 83.9666% | 3,006 |
| Equity capital to assets | 15.8241% | 562 |
| Core capital (leverage) ratio | 15.9287% | 521 |
| Tier 1 risk-based capital ratio | 20.1148% | 1,284 |
| Total risk-based capital ratio | 21.1695% | 1,295 |
| Memoranda: | ||
| Average total assets | $595,482,000 | 1,210 |
| Average earning assets | $575,972,200 | 1,167 |
| Average equity | $92,316,400 | 913 |
| Average total loans | $434,607,600 | 1,173 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9480% | 4,085 |
| Cost of funding earning assets | 0.4344% | 3,634 |
| Net interest margin | 3.5136% | 3,645 |
| Noninterest income to average assets | 0.1546% | 5,006 |
| Noninterest expense to average assets | 2.0336% | 4,676 |
| Loan and lease loss provision to assets | 0.0729% | 2,494 |
| Net operating income to assets | 0.9955% | 3,104 |
| Return on assets (ROA) | 0.9955% | 3,116 |
| Pretax return on assets | 1.4477% | 2,069 |
| Return on Equity (ROE) | 6.4551% | 4,124 |
| Retained earnings to average equity (ytd only) | 5.1454% | 3,162 |
| Net charge-offs to loans | 0.0040% | 3,321 |
| Credit loss provision to net charge-offs | 2,500.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 521.3179% | 173 |
| Efficiency ratio | 57.2168% | 4,222 |
| Assets per employee ($millions) | 8.4832% | 532 |
| Cash dividends to net income (ytd only)* | 20.2885% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 2,960 |
| Loan loss allowance to noncurrent loans | 245.2477% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.3627% | 3,220 |
| Noncurrent loans to loans | 0.4649% | 2,993 |
| Net loans and leases to total assets | 71.8653% | 2,348 |
| Net loans and leases to deposits | 86.0611% | 2,357 |
| Net loans and leases to core deposits | 101.8663% | 1,624 |
| Total domestic deposits to total assets | 83.5050% | 3,118 |
| Equity capital to assets | 15.9620% | 549 |
| Core capital (leverage) ratio | 15.7905% | 552 |
| Tier 1 risk-based capital ratio | 20.0296% | 1,332 |
| Total risk-based capital ratio | 21.0774% | 1,338 |
| Memoranda: | ||
| Average total assets | $594,141,500 | 1,215 |
| Average earning assets | $574,854,000 | 1,173 |
| Average equity | $91,626,000 | 916 |
| Average total loans | $436,520,500 | 1,171 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8638% | 4,177 |
| Cost of funding earning assets | 0.4141% | 3,610 |
| Net interest margin | 3.4496% | 3,800 |
| Noninterest income to average assets | 0.1625% | 5,013 |
| Noninterest expense to average assets | 2.0621% | 4,690 |
| Loan and lease loss provision to assets | 0.0837% | 2,242 |
| Net operating income to assets | 0.9356% | 3,302 |
| Return on assets (ROA) | 0.9356% | 3,305 |
| Pretax return on assets | 1.3509% | 2,322 |
| Return on Equity (ROE) | 6.1368% | 4,180 |
| Retained earnings to average equity (ytd only) | 4.8185% | 3,170 |
| Net charge-offs to loans | 0.0077% | 2,852 |
| Credit loss provision to net charge-offs | 1,470.5882% | 291 |
| Earnings coverage of net charge-offs (x) | 251.9412% | 352 |
| Efficiency ratio | 58.9712% | 4,089 |
| Assets per employee ($millions) | 9.1891% | 414 |
| Cash dividends to net income (ytd only)* | 21.4823% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 3,151 |
| Loan loss allowance to noncurrent loans | 302.9841% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.2880% | 3,614 |
| Noncurrent loans to loans | 0.3697% | 3,367 |
| Net loans and leases to total assets | 70.5202% | 2,500 |
| Net loans and leases to deposits | 83.8274% | 2,555 |
| Net loans and leases to core deposits | 100.5481% | 1,688 |
| Total domestic deposits to total assets | 84.1255% | 3,016 |
| Equity capital to assets | 15.4344% | 603 |
| Core capital (leverage) ratio | 15.4416% | 579 |
| Tier 1 risk-based capital ratio | 19.5209% | 1,426 |
| Total risk-based capital ratio | 20.5401% | 1,440 |
| Memoranda: | ||
| Average total assets | $597,074,670 | 1,206 |
| Average earning assets | $577,103,000 | 1,167 |
| Average equity | $91,024,000 | 919 |
| Average total loans | $440,191,000 | 1,165 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8182% | 4,165 |
| Cost of funding earning assets | 0.3976% | 3,608 |
| Net interest margin | 3.4205% | 3,818 |
| Noninterest income to average assets | 0.1494% | 5,118 |
| Noninterest expense to average assets | 2.1509% | 4,536 |
| Loan and lease loss provision to assets | 0.1005% | 1,847 |
| Net operating income to assets | 0.8389% | 3,562 |
| Return on assets (ROA) | 0.8389% | 3,575 |
| Pretax return on assets | 1.2007% | 2,745 |
| Return on Equity (ROE) | 5.5373% | 4,304 |
| Retained earnings to average equity (ytd only) | 4.2104% | 3,504 |
| Net charge-offs to loans | -0.0054% | 4,034 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3059% | 3,732 |
| Assets per employee ($millions) | 8.4553% | 533 |
| Cash dividends to net income (ytd only)* | 23.9617% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0565% | 3,619 |
| Loan loss allowance to noncurrent loans | 214.3836% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.3700% | 3,348 |
| Noncurrent loans to loans | 0.4928% | 3,037 |
| Net loans and leases to total assets | 74.2871% | 1,810 |
| Net loans and leases to deposits | 88.1254% | 1,915 |
| Net loans and leases to core deposits | 105.9334% | 1,242 |
| Total domestic deposits to total assets | 84.2971% | 3,198 |
| Equity capital to assets | 15.3618% | 592 |
| Core capital (leverage) ratio | 15.1664% | 621 |
| Tier 1 risk-based capital ratio | 18.9763% | 1,551 |
| Total risk-based capital ratio | 19.9646% | 1,586 |
| Memoranda: | ||
| Average total assets | $596,966,500 | 1,218 |
| Average earning assets | $576,402,500 | 1,178 |
| Average equity | $90,442,000 | 935 |
| Average total loans | $447,295,000 | 1,155 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7268% | 4,274 |
| Cost of funding earning assets | 0.2818% | 4,300 |
| Net interest margin | 3.4451% | 3,706 |
| Noninterest income to average assets | 0.1541% | 5,186 |
| Noninterest expense to average assets | 1.7963% | 5,243 |
| Loan and lease loss provision to assets | 0.1362% | 1,680 |
| Net operating income to assets | 0.8951% | 2,739 |
| Return on assets (ROA) | 0.8949% | 2,767 |
| Pretax return on assets | 1.5376% | 1,496 |
| Return on Equity (ROE) | 5.9346% | 3,792 |
| Retained earnings to average equity (ytd only) | 3.6007% | 3,105 |
| Net charge-offs to loans | 0.0324% | 3,140 |
| Credit loss provision to net charge-offs | 575.5396% | 557 |
| Earnings coverage of net charge-offs (x) | 70.7410% | 849 |
| Efficiency ratio | 51.7588% | 5,119 |
| Assets per employee ($millions) | 8.7255% | 495 |
| Cash dividends to net income (ytd only)* | 39.3265% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 3,883 |
| Loan loss allowance to noncurrent loans | 304.6309% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.2475% | 3,901 |
| Noncurrent loans to loans | 0.3310% | 3,583 |
| Net loans and leases to total assets | 74.0243% | 1,922 |
| Net loans and leases to deposits | 87.2314% | 2,106 |
| Net loans and leases to core deposits | 105.4895% | 1,302 |
| Total domestic deposits to total assets | 84.8597% | 2,891 |
| Equity capital to assets | 14.9423% | 689 |
| Core capital (leverage) ratio | 14.8165% | 658 |
| Tier 1 risk-based capital ratio | 18.6760% | 1,598 |
| Total risk-based capital ratio | 19.6240% | 1,642 |
| Memoranda: | ||
| Average total assets | $587,325,200 | 1,221 |
| Average earning assets | $565,387,600 | 1,171 |
| Average equity | $88,566,000 | 915 |
| Average total loans | $429,491,800 | 1,166 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6680% | 4,402 |
| Cost of funding earning assets | 0.2458% | 4,602 |
| Net interest margin | 3.4222% | 3,768 |
| Noninterest income to average assets | 0.1441% | 5,289 |
| Noninterest expense to average assets | 2.0633% | 4,821 |
| Loan and lease loss provision to assets | 0.1028% | 2,059 |
| Net operating income to assets | 0.7754% | 3,621 |
| Return on assets (ROA) | 0.7751% | 3,672 |
| Pretax return on assets | 1.2731% | 2,613 |
| Return on Equity (ROE) | 5.1281% | 4,484 |
| Retained earnings to average equity (ytd only) | 3.8208% | 3,646 |
| Net charge-offs to loans | 0.0559% | 2,331 |
| Credit loss provision to net charge-offs | 252.8090% | 1,122 |
| Earnings coverage of net charge-offs (x) | 33.8479% | 1,458 |
| Efficiency ratio | 59.9854% | 4,218 |
| Assets per employee ($millions) | 8.5236% | 517 |
| Cash dividends to net income (ytd only)* | 25.4935% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9269% | 4,441 |
| Loan loss allowance to noncurrent loans | 105.6786% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.6582% | 2,533 |
| Noncurrent loans to loans | 0.8771% | 2,180 |
| Net loans and leases to total assets | 74.3486% | 1,865 |
| Net loans and leases to deposits | 87.9961% | 2,064 |
| Net loans and leases to core deposits | 106.5043% | 1,238 |
| Total domestic deposits to total assets | 84.4907% | 2,922 |
| Equity capital to assets | 15.0237% | 724 |
| Core capital (leverage) ratio | 14.9583% | 674 |
| Tier 1 risk-based capital ratio | 18.0441% | 1,841 |
| Total risk-based capital ratio | 18.8878% | 1,904 |
| Memoranda: | ||
| Average total assets | $583,641,000 | 1,236 |
| Average earning assets | $562,036,250 | 1,184 |
| Average equity | $88,217,000 | 922 |
| Average total loans | $424,312,000 | 1,181 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5721% | 4,587 |
| Cost of funding earning assets | 0.1968% | 5,015 |
| Net interest margin | 3.3753% | 3,854 |
| Noninterest income to average assets | 0.1567% | 5,270 |
| Noninterest expense to average assets | 2.1332% | 4,708 |
| Loan and lease loss provision to assets | 0.0518% | 2,949 |
| Net operating income to assets | 0.7406% | 3,669 |
| Return on assets (ROA) | 0.7402% | 3,734 |
| Pretax return on assets | 1.2166% | 2,712 |
| Return on Equity (ROE) | 4.8870% | 4,521 |
| Retained earnings to average equity (ytd only) | 3.5991% | 3,566 |
| Net charge-offs to loans | 0.0163% | 2,916 |
| Credit loss provision to net charge-offs | 441.1765% | 728 |
| Earnings coverage of net charge-offs (x) | 108.1176% | 619 |
| Efficiency ratio | 62.6991% | 3,863 |
| Assets per employee ($millions) | 8.3468% | 536 |
| Cash dividends to net income (ytd only)* | 26.3526% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9081% | 4,609 |
| Loan loss allowance to noncurrent loans | 111.6266% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.6038% | 2,756 |
| Noncurrent loans to loans | 0.8135% | 2,375 |
| Net loans and leases to total assets | 73.5416% | 1,953 |
| Net loans and leases to deposits | 86.8938% | 2,118 |
| Net loans and leases to core deposits | 104.3535% | 1,332 |
| Total domestic deposits to total assets | 84.6338% | 2,965 |
| Equity capital to assets | 14.9593% | 712 |
| Core capital (leverage) ratio | 14.9860% | 630 |
| Tier 1 risk-based capital ratio | 18.4218% | 1,741 |
| Total risk-based capital ratio | 19.2597% | 1,809 |
| Memoranda: | ||
| Average total assets | $579,305,000 | 1,248 |
| Average earning assets | $557,043,330 | 1,199 |
| Average equity | $87,743,000 | 929 |
| Average total loans | $416,499,330 | 1,200 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4646% | 4,788 |
| Cost of funding earning assets | 0.1467% | 5,401 |
| Net interest margin | 3.3179% | 3,947 |
| Noninterest income to average assets | 0.1572% | 5,334 |
| Noninterest expense to average assets | 2.1745% | 4,710 |
| Loan and lease loss provision to assets | 0.0524% | 2,764 |
| Net operating income to assets | 0.6852% | 3,765 |
| Return on assets (ROA) | 0.6852% | 3,799 |
| Pretax return on assets | 1.1218% | 2,898 |
| Return on Equity (ROE) | 4.4954% | 4,600 |
| Retained earnings to average equity (ytd only) | 3.2811% | 3,794 |
| Net charge-offs to loans | -0.0119% | 4,498 |
| Credit loss provision to net charge-offs | -625.0000% | 4,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9353% | 3,673 |
| Assets per employee ($millions) | 7.8938% | 650 |
| Cash dividends to net income (ytd only)* | 27.0133% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9489% | 4,559 |
| Loan loss allowance to noncurrent loans | 149.0602% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.4493% | 3,396 |
| Noncurrent loans to loans | 0.6366% | 2,919 |
| Net loans and leases to total assets | 69.9102% | 2,395 |
| Net loans and leases to deposits | 82.3932% | 2,457 |
| Net loans and leases to core deposits | 97.0200% | 1,745 |
| Total domestic deposits to total assets | 84.8494% | 3,143 |
| Equity capital to assets | 14.8199% | 689 |
| Core capital (leverage) ratio | 15.3112% | 556 |
| Tier 1 risk-based capital ratio | 19.2909% | 1,539 |
| Total risk-based capital ratio | 20.1706% | 1,594 |
| Memoranda: | ||
| Average total assets | $572,647,500 | 1,256 |
| Average earning assets | $550,833,500 | 1,208 |
| Average equity | $87,288,500 | 933 |
| Average total loans | $404,841,000 | 1,236 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3082% | 5,146 |
| Cost of funding earning assets | 0.0907% | 5,741 |
| Net interest margin | 3.2175% | 4,389 |
| Noninterest income to average assets | 0.1917% | 5,256 |
| Noninterest expense to average assets | 1.7934% | 5,477 |
| Loan and lease loss provision to assets | 0.0808% | 2,742 |
| Net operating income to assets | 0.9028% | 2,803 |
| Return on assets (ROA) | 0.9028% | 2,922 |
| Pretax return on assets | 1.3950% | 1,961 |
| Return on Equity (ROE) | 5.8784% | 4,041 |
| Retained earnings to average equity (ytd only) | 3.7591% | 3,242 |
| Net charge-offs to loans | 0.0063% | 4,037 |
| Credit loss provision to net charge-offs | 1,956.5217% | 230 |
| Earnings coverage of net charge-offs (x) | 357.2174% | 226 |
| Efficiency ratio | 54.8571% | 5,163 |
| Assets per employee ($millions) | 7.2797% | 812 |
| Cash dividends to net income (ytd only)* | 36.0525% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9897% | 4,396 |
| Loan loss allowance to noncurrent loans | 136.4532% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.5137% | 3,210 |
| Noncurrent loans to loans | 0.7253% | 2,721 |
| Net loans and leases to total assets | 70.1201% | 2,448 |
| Net loans and leases to deposits | 83.3119% | 2,502 |
| Net loans and leases to core deposits | 97.9798% | 1,766 |
| Total domestic deposits to total assets | 84.1658% | 3,365 |
| Equity capital to assets | 15.6958% | 536 |
| Core capital (leverage) ratio | 15.6840% | 505 |
| Tier 1 risk-based capital ratio | 20.1868% | 1,347 |
| Total risk-based capital ratio | 21.0923% | 1,372 |
| Memoranda: | ||
| Average total assets | $556,707,400 | 1,248 |
| Average earning assets | $532,499,000 | 1,204 |
| Average equity | $85,499,600 | 929 |
| Average total loans | $366,870,400 | 1,284 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2504% | 5,280 |
| Cost of funding earning assets | 0.0920% | 5,801 |
| Net interest margin | 3.1584% | 4,611 |
| Noninterest income to average assets | 0.1949% | 5,300 |
| Noninterest expense to average assets | 1.9398% | 5,312 |
| Loan and lease loss provision to assets | 0.1076% | 2,132 |
| Net operating income to assets | 0.7179% | 3,752 |
| Return on assets (ROA) | 0.7179% | 3,897 |
| Pretax return on assets | 1.1674% | 2,981 |
| Return on Equity (ROE) | 4.6998% | 4,644 |
| Retained earnings to average equity (ytd only) | 3.4536% | 3,827 |
| Net charge-offs to loans | 0.0144% | 3,449 |
| Credit loss provision to net charge-offs | 1,153.8462% | 357 |
| Earnings coverage of net charge-offs (x) | 136.7146% | 504 |
| Efficiency ratio | 60.3392% | 4,493 |
| Assets per employee ($millions) | 7.0787% | 863 |
| Cash dividends to net income (ytd only)* | 26.5157% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0184% | 4,307 |
| Loan loss allowance to noncurrent loans | 112.2022% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.6315% | 3,019 |
| Noncurrent loans to loans | 0.9076% | 2,429 |
| Net loans and leases to total assets | 68.8673% | 2,664 |
| Net loans and leases to deposits | 82.2567% | 2,696 |
| Net loans and leases to core deposits | 97.6946% | 1,841 |
| Total domestic deposits to total assets | 83.7224% | 3,313 |
| Equity capital to assets | 15.8838% | 570 |
| Core capital (leverage) ratio | 15.5554% | 550 |
| Tier 1 risk-based capital ratio | 20.4295% | 1,367 |
| Total risk-based capital ratio | 21.3529% | 1,391 |
| Memoranda: | ||
| Average total assets | $557,569,750 | 1,251 |
| Average earning assets | $533,128,000 | 1,204 |
| Average equity | $85,165,000 | 939 |
| Average total loans | $360,632,250 | 1,303 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1723% | 5,470 |
| Cost of funding earning assets | 0.0920% | 5,886 |
| Net interest margin | 3.0803% | 4,885 |
| Noninterest income to average assets | 0.2026% | 5,283 |
| Noninterest expense to average assets | 1.9749% | 5,320 |
| Loan and lease loss provision to assets | 0.1068% | 2,076 |
| Net operating income to assets | 0.6537% | 4,030 |
| Return on assets (ROA) | 0.6537% | 4,172 |
| Pretax return on assets | 1.0649% | 3,344 |
| Return on Equity (ROE) | 4.3356% | 4,786 |
| Retained earnings to average equity (ytd only) | 3.0840% | 3,943 |
| Net charge-offs to loans | -0.0288% | 5,102 |
| Credit loss provision to net charge-offs | -588.2353% | 4,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7631% | 4,215 |
| Assets per employee ($millions) | 7.8277% | 610 |
| Cash dividends to net income (ytd only)* | 28.8671% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0308% | 4,343 |
| Loan loss allowance to noncurrent loans | 101.2247% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 0.6855% | 2,933 |
| Noncurrent loans to loans | 1.0183% | 2,251 |
| Net loans and leases to total assets | 66.6200% | 2,994 |
| Net loans and leases to deposits | 79.2701% | 3,026 |
| Net loans and leases to core deposits | 92.2885% | 2,322 |
| Total domestic deposits to total assets | 84.0417% | 3,249 |
| Equity capital to assets | 15.5984% | 606 |
| Core capital (leverage) ratio | 15.0859% | 596 |
| Tier 1 risk-based capital ratio | 20.8501% | 1,288 |
| Total risk-based capital ratio | 21.7877% | 1,320 |
| Memoranda: | ||
| Average total assets | $561,740,670 | 1,247 |
| Average earning assets | $536,902,670 | 1,206 |
| Average equity | $84,694,670 | 936 |
| Average total loans | $354,433,670 | 1,321 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0754% | 5,627 |
| Cost of funding earning assets | 0.0913% | 5,946 |
| Net interest margin | 2.9842% | 5,154 |
| Noninterest income to average assets | 0.2223% | 5,146 |
| Noninterest expense to average assets | 2.0505% | 5,218 |
| Loan and lease loss provision to assets | 0.1055% | 1,942 |
| Net operating income to assets | 0.5634% | 4,352 |
| Return on assets (ROA) | 0.5634% | 4,454 |
| Pretax return on assets | 0.9187% | 3,773 |
| Return on Equity (ROE) | 3.8004% | 4,958 |
| Retained earnings to average equity (ytd only) | 2.5431% | 4,232 |
| Net charge-offs to loans | -0.0173% | 4,783 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6895% | 3,687 |
| Assets per employee ($millions) | 7.6259% | 662 |
| Cash dividends to net income (ytd only)* | 33.0836% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 4,578 |
| Loan loss allowance to noncurrent loans | 127.6385% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.5020% | 3,596 |
| Noncurrent loans to loans | 0.7870% | 2,869 |
| Net loans and leases to total assets | 63.1503% | 3,363 |
| Net loans and leases to deposits | 74.5875% | 3,360 |
| Net loans and leases to core deposits | 85.6602% | 2,780 |
| Total domestic deposits to total assets | 84.6661% | 3,251 |
| Equity capital to assets | 15.0467% | 682 |
| Core capital (leverage) ratio | 14.5629% | 683 |
| Tier 1 risk-based capital ratio | 21.2582% | 1,271 |
| Total risk-based capital ratio | 22.1757% | 1,302 |
| Memoranda: | ||
| Average total assets | $568,640,000 | 1,237 |
| Average earning assets | $543,534,500 | 1,195 |
| Average equity | $84,307,000 | 942 |
| Average total loans | $347,230,000 | 1,340 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9766% | 5,746 |
| Cost of funding earning assets | 0.0947% | 5,982 |
| Net interest margin | 2.8819% | 5,366 |
| Noninterest income to average assets | 0.1042% | 5,862 |
| Noninterest expense to average assets | 1.7275% | 5,817 |
| Loan and lease loss provision to assets | 0.1745% | 1,304 |
| Net operating income to assets | 0.6363% | 4,106 |
| Return on assets (ROA) | 0.6363% | 4,190 |
| Pretax return on assets | 0.9520% | 3,645 |
| Return on Equity (ROE) | 4.4205% | 4,773 |
| Retained earnings to average equity (ytd only) | 2.9514% | 3,962 |
| Net charge-offs to loans | 0.3163% | 951 |
| Credit loss provision to net charge-offs | 94.6074% | 2,665 |
| Earnings coverage of net charge-offs (x) | 6.1088% | 3,275 |
| Efficiency ratio | 60.5294% | 4,835 |
| Assets per employee ($millions) | 7.4411% | 723 |
| Cash dividends to net income (ytd only)* | 33.2328% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0318% | 4,431 |
| Loan loss allowance to noncurrent loans | 124.8553% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.8241% | 2,616 |
| Noncurrent loans to loans | 0.8264% | 2,726 |
| Net loans and leases to total assets | 57.7742% | 4,114 |
| Net loans and leases to deposits | 67.7872% | 4,147 |
| Net loans and leases to core deposits | 77.1804% | 3,650 |
| Total domestic deposits to total assets | 85.2289% | 2,986 |
| Equity capital to assets | 14.6088% | 747 |
| Core capital (leverage) ratio | 14.6251% | 683 |
| Tier 1 risk-based capital ratio | 22.3197% | 1,107 |
| Total risk-based capital ratio | 23.2426% | 1,127 |
| Memoranda: | ||
| Average total assets | $573,200,800 | 1,191 |
| Average earning assets | $546,938,600 | 1,155 |
| Average equity | $82,502,200 | 919 |
| Average total loans | $334,206,800 | 1,335 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9570% | 5,847 |
| Cost of funding earning assets | 0.0965% | 6,072 |
| Net interest margin | 2.8605% | 5,472 |
| Noninterest income to average assets | 0.0902% | 5,993 |
| Noninterest expense to average assets | 1.8532% | 5,708 |
| Loan and lease loss provision to assets | 0.1395% | 1,590 |
| Net operating income to assets | 0.4977% | 4,799 |
| Return on assets (ROA) | 0.4977% | 4,886 |
| Pretax return on assets | 0.8280% | 4,248 |
| Return on Equity (ROE) | 3.4710% | 5,229 |
| Retained earnings to average equity (ytd only) | 2.1799% | 4,799 |
| Net charge-offs to loans | 0.1361% | 1,774 |
| Credit loss provision to net charge-offs | 175.9531% | 1,496 |
| Earnings coverage of net charge-offs (x) | 12.1993% | 2,427 |
| Efficiency ratio | 65.6992% | 3,946 |
| Assets per employee ($millions) | 7.5094% | 685 |
| Cash dividends to net income (ytd only)* | 37.1964% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 4,385 |
| Loan loss allowance to noncurrent loans | 12,556.6667% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.4070% | 4,149 |
| Noncurrent loans to loans | 0.0085% | 5,611 |
| Net loans and leases to total assets | 61.8086% | 3,637 |
| Net loans and leases to deposits | 72.9327% | 3,657 |
| Net loans and leases to core deposits | 84.4195% | 2,992 |
| Total domestic deposits to total assets | 84.7475% | 3,111 |
| Equity capital to assets | 14.7605% | 794 |
| Core capital (leverage) ratio | 14.0479% | 846 |
| Tier 1 risk-based capital ratio | 21.6898% | 1,238 |
| Total risk-based capital ratio | 22.6817% | 1,254 |
| Memoranda: | ||
| Average total assets | $573,260,250 | 1,195 |
| Average earning assets | $547,215,000 | 1,154 |
| Average equity | $82,202,000 | 931 |
| Average total loans | $334,139,500 | 1,344 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8802% | 5,964 |
| Cost of funding earning assets | 0.0972% | 6,141 |
| Net interest margin | 2.7830% | 5,650 |
| Noninterest income to average assets | 0.1408% | 5,862 |
| Noninterest expense to average assets | 2.0017% | 5,526 |
| Loan and lease loss provision to assets | 0.1561% | 1,365 |
| Net operating income to assets | 0.3815% | 5,200 |
| Return on assets (ROA) | 0.3815% | 5,312 |
| Pretax return on assets | 0.6434% | 4,843 |
| Return on Equity (ROE) | 2.6865% | 5,509 |
| Retained earnings to average equity (ytd only) | 1.3896% | 4,995 |
| Net charge-offs to loans | 0.2194% | 1,164 |
| Credit loss provision to net charge-offs | 125.0000% | 1,744 |
| Earnings coverage of net charge-offs (x) | 6.4028% | 2,788 |
| Efficiency ratio | 71.4586% | 3,080 |
| Assets per employee ($millions) | 6.5429% | 1,035 |
| Cash dividends to net income (ytd only)* | 48.2727% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0731% | 4,469 |
| Loan loss allowance to noncurrent loans | 11,606.4516% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.6487% | 3,475 |
| Noncurrent loans to loans | 0.0092% | 5,733 |
| Net loans and leases to total assets | 57.6072% | 4,155 |
| Net loans and leases to deposits | 67.5099% | 4,181 |
| Net loans and leases to core deposits | 81.6304% | 3,220 |
| Total domestic deposits to total assets | 85.3315% | 2,998 |
| Equity capital to assets | 14.2677% | 889 |
| Core capital (leverage) ratio | 13.9500% | 852 |
| Tier 1 risk-based capital ratio | 22.8281% | 1,103 |
| Total risk-based capital ratio | 23.8346% | 1,109 |
| Memoranda: | ||
| Average total assets | $576,612,000 | 1,190 |
| Average earning assets | $551,203,000 | 1,145 |
| Average equity | $81,892,000 | 941 |
| Average total loans | $328,227,330 | 1,366 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8179% | 6,057 |
| Cost of funding earning assets | 0.1011% | 6,205 |
| Net interest margin | 2.7168% | 5,778 |
| Noninterest income to average assets | 0.1615% | 5,774 |
| Noninterest expense to average assets | 2.1073% | 5,364 |
| Loan and lease loss provision to assets | 0.2080% | 865 |
| Net operating income to assets | 0.2821% | 5,473 |
| Return on assets (ROA) | 0.2821% | 5,569 |
| Pretax return on assets | 0.4346% | 5,351 |
| Return on Equity (ROE) | 1.9911% | 5,690 |
| Retained earnings to average equity (ytd only) | 0.6947% | 5,171 |
| Net charge-offs to loans | -0.0764% | 5,729 |
| Credit loss provision to net charge-offs | -483.8710% | 4,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6322% | 2,409 |
| Assets per employee ($millions) | 6.7553% | 954 |
| Cash dividends to net income (ytd only)* | 65.1106% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1759% | 4,117 |
| Loan loss allowance to noncurrent loans | 445.3395% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.4757% | 4,123 |
| Noncurrent loans to loans | 0.2640% | 4,836 |
| Net loans and leases to total assets | 55.3412% | 4,279 |
| Net loans and leases to deposits | 64.4779% | 4,320 |
| Net loans and leases to core deposits | 76.5300% | 3,537 |
| Total domestic deposits to total assets | 85.8297% | 3,025 |
| Equity capital to assets | 13.9374% | 1,004 |
| Core capital (leverage) ratio | 13.8653% | 864 |
| Tier 1 risk-based capital ratio | 23.5964% | 1,038 |
| Total risk-based capital ratio | 24.7214% | 1,026 |
| Memoranda: | ||
| Average total assets | $577,029,500 | 1,193 |
| Average earning assets | $549,774,500 | 1,151 |
| Average equity | $81,763,000 | 935 |
| Average total loans | $324,697,500 | 1,378 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9635% | 6,084 |
| Cost of funding earning assets | 0.1197% | 6,248 |
| Net interest margin | 2.8438% | 5,740 |
| Noninterest income to average assets | 0.5355% | 3,267 |
| Noninterest expense to average assets | 1.9437% | 5,871 |
| Loan and lease loss provision to assets | 0.5572% | 262 |
| Net operating income to assets | 0.4989% | 4,816 |
| Return on assets (ROA) | 0.4989% | 4,908 |
| Pretax return on assets | 0.7227% | 4,542 |
| Return on Equity (ROE) | 3.3268% | 5,362 |
| Retained earnings to average equity (ytd only) | 2.0127% | 4,779 |
| Net charge-offs to loans | 1.4969% | 163 |
| Credit loss provision to net charge-offs | 64.0068% | 3,206 |
| Earnings coverage of net charge-offs (x) | 1.4702% | 4,412 |
| Efficiency ratio | 60.2939% | 5,180 |
| Assets per employee ($millions) | 6.5098% | 1,044 |
| Cash dividends to net income (ytd only)* | 39.5011% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 4,559 |
| Loan loss allowance to noncurrent loans | 143.3007% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.6171% | 3,733 |
| Noncurrent loans to loans | 0.7643% | 3,404 |
| Net loans and leases to total assets | 55.9322% | 4,347 |
| Net loans and leases to deposits | 65.4766% | 4,379 |
| Net loans and leases to core deposits | 79.9696% | 3,301 |
| Total domestic deposits to total assets | 85.4232% | 3,115 |
| Equity capital to assets | 14.4106% | 838 |
| Core capital (leverage) ratio | 14.4111% | 724 |
| Tier 1 risk-based capital ratio | 24.3640% | 909 |
| Total risk-based capital ratio | 25.4276% | 910 |
| Memoranda: | ||
| Average total assets | $538,366,400 | 1,243 |
| Average earning assets | $508,891,800 | 1,206 |
| Average equity | $80,739,000 | 911 |
| Average total loans | $313,107,600 | 1,378 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9972% | 6,146 |
| Cost of funding earning assets | 0.1233% | 6,320 |
| Net interest margin | 2.8739% | 5,753 |
| Noninterest income to average assets | 0.1819% | 5,834 |
| Noninterest expense to average assets | 1.9893% | 5,788 |
| Loan and lease loss provision to assets | 0.3011% | 654 |
| Net operating income to assets | 0.3761% | 5,339 |
| Return on assets (ROA) | 0.3761% | 5,416 |
| Pretax return on assets | 0.5994% | 5,028 |
| Return on Equity (ROE) | 2.4821% | 5,711 |
| Retained earnings to average equity (ytd only) | 1.1641% | 5,423 |
| Net charge-offs to loans | 1.3504% | 195 |
| Credit loss provision to net charge-offs | 38.0590% | 3,319 |
| Earnings coverage of net charge-offs (x) | 1.1383% | 4,221 |
| Efficiency ratio | 68.8374% | 3,698 |
| Assets per employee ($millions) | 6.5481% | 1,001 |
| Cash dividends to net income (ytd only)* | 53.1021% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 5,136 |
| Loan loss allowance to noncurrent loans | 76.1927% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 1.2958% | 2,387 |
| Noncurrent loans to loans | 1.3350% | 2,412 |
| Net loans and leases to total assets | 59.4792% | 3,870 |
| Net loans and leases to deposits | 70.5258% | 3,857 |
| Net loans and leases to core deposits | 87.7082% | 2,465 |
| Total domestic deposits to total assets | 84.3367% | 3,625 |
| Equity capital to assets | 15.2555% | 682 |
| Core capital (leverage) ratio | 14.7039% | 673 |
| Tier 1 risk-based capital ratio | 24.0983% | 980 |
| Total risk-based capital ratio | 25.0818% | 990 |
| Memoranda: | ||
| Average total assets | $531,370,000 | 1,266 |
| Average earning assets | $500,675,750 | 1,239 |
| Average equity | $80,520,000 | 909 |
| Average total loans | $311,314,250 | 1,397 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9804% | 6,202 |
| Cost of funding earning assets | 0.1248% | 6,388 |
| Net interest margin | 2.8557% | 5,808 |
| Noninterest income to average assets | 0.2039% | 5,734 |
| Noninterest expense to average assets | 2.2073% | 5,397 |
| Loan and lease loss provision to assets | 0.1881% | 1,295 |
| Net operating income to assets | 0.3201% | 5,494 |
| Return on assets (ROA) | 0.3201% | 5,575 |
| Pretax return on assets | 0.4950% | 5,286 |
| Return on Equity (ROE) | 2.1172% | 5,813 |
| Retained earnings to average equity (ytd only) | 0.7961% | 5,428 |
| Net charge-offs to loans | 1.1682% | 270 |
| Credit loss provision to net charge-offs | 27.7162% | 3,087 |
| Earnings coverage of net charge-offs (x) | 1.0067% | 3,913 |
| Efficiency ratio | 76.3665% | 2,560 |
| Assets per employee ($millions) | 6.2240% | 1,155 |
| Cash dividends to net income (ytd only)* | 62.3972% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 4,015 |
| Loan loss allowance to noncurrent loans | 53.4185% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 1.8368% | 1,768 |
| Noncurrent loans to loans | 2.3814% | 1,337 |
| Net loans and leases to total assets | 55.7687% | 4,317 |
| Net loans and leases to deposits | 65.8109% | 4,285 |
| Net loans and leases to core deposits | 83.8116% | 2,758 |
| Total domestic deposits to total assets | 84.7407% | 3,622 |
| Equity capital to assets | 14.8908% | 726 |
| Core capital (leverage) ratio | 14.9069% | 622 |
| Tier 1 risk-based capital ratio | 25.0064% | 873 |
| Total risk-based capital ratio | 26.2372% | 860 |
| Memoranda: | ||
| Average total assets | $531,695,330 | 1,263 |
| Average earning assets | $500,195,670 | 1,235 |
| Average equity | $80,388,670 | 906 |
| Average total loans | $308,847,000 | 1,399 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0208% | 6,220 |
| Cost of funding earning assets | 0.1268% | 6,460 |
| Net interest margin | 2.8940% | 5,767 |
| Noninterest income to average assets | -0.0494% | 6,649 |
| Noninterest expense to average assets | 2.2863% | 5,229 |
| Loan and lease loss provision to assets | 0.1519% | 1,598 |
| Net operating income to assets | 0.1807% | 5,852 |
| Return on assets (ROA) | 0.1807% | 5,895 |
| Pretax return on assets | 0.2339% | 5,861 |
| Return on Equity (ROE) | 1.1860% | 5,991 |
| Retained earnings to average equity (ytd only) | -0.1346% | 5,580 |
| Net charge-offs to loans | 1.6614% | 183 |
| Credit loss provision to net charge-offs | 15.5159% | 2,555 |
| Earnings coverage of net charge-offs (x) | 0.3941% | 3,353 |
| Efficiency ratio | 85.5641% | 1,494 |
| Assets per employee ($millions) | 5.9121% | 1,367 |
| Cash dividends to net income (ytd only)* | 111.3445% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3189% | 4,015 |
| Loan loss allowance to noncurrent loans | 53.3801% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 2.0856% | 1,613 |
| Noncurrent loans to loans | 2.4709% | 1,403 |
| Net loans and leases to total assets | 58.3844% | 3,787 |
| Net loans and leases to deposits | 69.1231% | 3,721 |
| Net loans and leases to core deposits | 88.4875% | 2,041 |
| Total domestic deposits to total assets | 84.4644% | 4,095 |
| Equity capital to assets | 15.2435% | 632 |
| Core capital (leverage) ratio | 14.8151% | 620 |
| Tier 1 risk-based capital ratio | 24.5380% | 936 |
| Total risk-based capital ratio | 25.7884% | 919 |
| Memoranda: | ||
| Average total assets | $526,799,500 | 1,282 |
| Average earning assets | $495,368,500 | 1,252 |
| Average equity | $80,267,000 | 911 |
| Average total loans | $310,335,000 | 1,397 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9370% | 6,397 |
| Cost of funding earning assets | 0.1693% | 6,446 |
| Net interest margin | 2.7677% | 6,033 |
| Noninterest income to average assets | 0.3088% | 5,129 |
| Noninterest expense to average assets | 2.0927% | 5,845 |
| Loan and lease loss provision to assets | 0.1861% | 1,980 |
| Net operating income to assets | 0.4657% | 4,888 |
| Return on assets (ROA) | 0.4657% | 5,019 |
| Pretax return on assets | 0.6490% | 4,704 |
| Return on Equity (ROE) | 3.1429% | 5,455 |
| Retained earnings to average equity (ytd only) | 1.8094% | 4,947 |
| Net charge-offs to loans | 0.7999% | 787 |
| Credit loss provision to net charge-offs | 39.4477% | 4,059 |
| Earnings coverage of net charge-offs (x) | 1.7704% | 4,455 |
| Efficiency ratio | 71.4794% | 3,572 |
| Assets per employee ($millions) | 5.8603% | 1,366 |
| Cash dividends to net income (ytd only)* | 42.4291% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6793% | 2,463 |
| Loan loss allowance to noncurrent loans | 51.6043% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 2.8072% | 1,161 |
| Noncurrent loans to loans | 3.2541% | 1,027 |
| Net loans and leases to total assets | 57.6699% | 4,088 |
| Net loans and leases to deposits | 68.1528% | 4,030 |
| Net loans and leases to core deposits | 86.7846% | 2,371 |
| Total domestic deposits to total assets | 84.6185% | 3,917 |
| Equity capital to assets | 15.2300% | 637 |
| Core capital (leverage) ratio | 14.7039% | 643 |
| Tier 1 risk-based capital ratio | 24.8795% | 861 |
| Total risk-based capital ratio | 26.1342% | 849 |
| Memoranda: | ||
| Average total assets | $537,482,800 | 1,236 |
| Average earning assets | $508,572,000 | 1,195 |
| Average equity | $79,640,200 | 896 |
| Average total loans | $316,922,200 | 1,337 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9183% | 6,480 |
| Cost of funding earning assets | 0.1791% | 6,510 |
| Net interest margin | 2.7392% | 6,102 |
| Noninterest income to average assets | 0.1936% | 6,014 |
| Noninterest expense to average assets | 1.9960% | 6,017 |
| Loan and lease loss provision to assets | 0.1975% | 1,842 |
| Net operating income to assets | 0.3674% | 5,378 |
| Return on assets (ROA) | 0.3674% | 5,514 |
| Pretax return on assets | 0.5946% | 5,032 |
| Return on Equity (ROE) | 2.4965% | 5,785 |
| Retained earnings to average equity (ytd only) | 1.1610% | 5,516 |
| Net charge-offs to loans | 1.1526% | 478 |
| Credit loss provision to net charge-offs | 29.0276% | 3,913 |
| Earnings coverage of net charge-offs (x) | 1.1640% | 4,459 |
| Efficiency ratio | 71.5905% | 3,485 |
| Assets per employee ($millions) | 5.9414% | 1,271 |
| Cash dividends to net income (ytd only)* | 53.4948% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5438% | 3,259 |
| Loan loss allowance to noncurrent loans | 42.0876% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 3.5527% | 947 |
| Noncurrent loans to loans | 3.6681% | 1,008 |
| Net loans and leases to total assets | 56.9377% | 4,179 |
| Net loans and leases to deposits | 67.2361% | 4,149 |
| Net loans and leases to core deposits | 86.3709% | 2,365 |
| Total domestic deposits to total assets | 84.6832% | 3,892 |
| Equity capital to assets | 14.8799% | 735 |
| Core capital (leverage) ratio | 14.5740% | 716 |
| Tier 1 risk-based capital ratio | 24.3269% | 951 |
| Total risk-based capital ratio | 25.5800% | 932 |
| Memoranda: | ||
| Average total assets | $539,997,000 | 1,247 |
| Average earning assets | $511,466,750 | 1,199 |
| Average equity | $79,468,500 | 908 |
| Average total loans | $318,812,500 | 1,335 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9030% | 6,531 |
| Cost of funding earning assets | 0.1905% | 6,522 |
| Net interest margin | 2.7125% | 6,162 |
| Noninterest income to average assets | 0.2097% | 5,939 |
| Noninterest expense to average assets | 1.9939% | 6,056 |
| Loan and lease loss provision to assets | 0.1846% | 2,048 |
| Net operating income to assets | 0.3814% | 5,289 |
| Return on assets (ROA) | 0.3814% | 5,454 |
| Pretax return on assets | 0.6065% | 4,991 |
| Return on Equity (ROE) | 2.6008% | 5,759 |
| Retained earnings to average equity (ytd only) | 1.2639% | 5,393 |
| Net charge-offs to loans | 1.0416% | 577 |
| Credit loss provision to net charge-offs | 29.8151% | 3,591 |
| Earnings coverage of net charge-offs (x) | 1.2779% | 4,115 |
| Efficiency ratio | 71.5933% | 3,539 |
| Assets per employee ($millions) | 5.8281% | 1,328 |
| Cash dividends to net income (ytd only)* | 51.4037% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7609% | 2,565 |
| Loan loss allowance to noncurrent loans | 28.1749% | 6,080 |
| Noncurrent assets plus other real estate owned to assets | 3.9063% | 908 |
| Noncurrent loans to loans | 6.2497% | 425 |
| Net loans and leases to total assets | 57.7793% | 4,025 |
| Net loans and leases to deposits | 68.1123% | 3,997 |
| Net loans and leases to core deposits | 86.6605% | 2,265 |
| Total domestic deposits to total assets | 84.8294% | 3,979 |
| Equity capital to assets | 14.7890% | 763 |
| Core capital (leverage) ratio | 14.4253% | 718 |
| Tier 1 risk-based capital ratio | 24.2956% | 964 |
| Total risk-based capital ratio | 25.5517% | 944 |
| Memoranda: | ||
| Average total assets | $541,753,670 | 1,239 |
| Average earning assets | $514,367,670 | 1,199 |
| Average equity | $79,435,670 | 914 |
| Average total loans | $322,005,000 | 1,318 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9452% | 6,569 |
| Cost of funding earning assets | 0.2026% | 6,562 |
| Net interest margin | 2.7426% | 6,141 |
| Noninterest income to average assets | 0.1976% | 6,061 |
| Noninterest expense to average assets | 2.0965% | 5,922 |
| Loan and lease loss provision to assets | 0.1469% | 2,409 |
| Net operating income to assets | 0.3614% | 5,304 |
| Return on assets (ROA) | 0.3614% | 5,441 |
| Pretax return on assets | 0.5597% | 5,082 |
| Return on Equity (ROE) | 2.4753% | 5,787 |
| Retained earnings to average equity (ytd only) | 1.1421% | 5,389 |
| Net charge-offs to loans | 0.4980% | 1,210 |
| Credit loss provision to net charge-offs | 49.3827% | 2,611 |
| Earnings coverage of net charge-offs (x) | 2.3753% | 3,054 |
| Efficiency ratio | 74.7904% | 3,123 |
| Assets per employee ($millions) | 5.9390% | 1,296 |
| Cash dividends to net income (ytd only)* | 53.8618% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0305% | 1,966 |
| Loan loss allowance to noncurrent loans | 25.6375% | 6,176 |
| Noncurrent assets plus other real estate owned to assets | 4.8336% | 763 |
| Noncurrent loans to loans | 7.9199% | 334 |
| Net loans and leases to total assets | 58.2542% | 3,749 |
| Net loans and leases to deposits | 68.6260% | 3,687 |
| Net loans and leases to core deposits | 87.7497% | 1,932 |
| Total domestic deposits to total assets | 84.8865% | 4,096 |
| Equity capital to assets | 14.7273% | 815 |
| Core capital (leverage) ratio | 14.2218% | 739 |
| Tier 1 risk-based capital ratio | 24.0876% | 1,003 |
| Total risk-based capital ratio | 25.3473% | 979 |
| Memoranda: | ||
| Average total assets | $544,536,000 | 1,242 |
| Average earning assets | $517,311,000 | 1,204 |
| Average equity | $79,505,000 | 925 |
| Average total loans | $325,328,000 | 1,309 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4167% | 6,465 |
| Cost of funding earning assets | 0.2972% | 6,467 |
| Net interest margin | 3.1196% | 5,766 |
| Noninterest income to average assets | 0.2341% | 5,770 |
| Noninterest expense to average assets | 1.9592% | 6,396 |
| Loan and lease loss provision to assets | 0.3022% | 2,260 |
| Net operating income to assets | 0.6440% | 4,020 |
| Return on assets (ROA) | 0.6440% | 4,282 |
| Pretax return on assets | 0.9210% | 3,857 |
| Return on Equity (ROE) | 4.4074% | 4,970 |
| Retained earnings to average equity (ytd only) | 3.0488% | 4,088 |
| Net charge-offs to loans | 0.3074% | 3,108 |
| Credit loss provision to net charge-offs | 152.6465% | 1,778 |
| Earnings coverage of net charge-offs (x) | 6.1786% | 2,858 |
| Efficiency ratio | 61.5651% | 5,300 |
| Assets per employee ($millions) | 6.0959% | 1,222 |
| Cash dividends to net income (ytd only)* | 30.8251% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0437% | 1,906 |
| Loan loss allowance to noncurrent loans | 25.8697% | 6,216 |
| Noncurrent assets plus other real estate owned to assets | 4.9192% | 795 |
| Noncurrent loans to loans | 7.9001% | 370 |
| Net loans and leases to total assets | 58.7957% | 3,841 |
| Net loans and leases to deposits | 68.9250% | 3,847 |
| Net loans and leases to core deposits | 88.6617% | 2,012 |
| Total domestic deposits to total assets | 85.3039% | 3,709 |
| Equity capital to assets | 14.4756% | 884 |
| Core capital (leverage) ratio | 14.3117% | 717 |
| Tier 1 risk-based capital ratio | 23.5714% | 1,026 |
| Total risk-based capital ratio | 24.8311% | 1,004 |
| Memoranda: | ||
| Average total assets | $534,442,600 | 1,247 |
| Average earning assets | $505,104,400 | 1,199 |
| Average equity | $78,095,600 | 900 |
| Average total loans | $344,160,200 | 1,226 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5494% | 6,448 |
| Cost of funding earning assets | 0.3108% | 6,557 |
| Net interest margin | 3.2386% | 5,590 |
| Noninterest income to average assets | 0.2303% | 5,898 |
| Noninterest expense to average assets | 2.1749% | 6,001 |
| Loan and lease loss provision to assets | 0.3893% | 1,656 |
| Net operating income to assets | 0.4468% | 5,048 |
| Return on assets (ROA) | 0.4468% | 5,296 |
| Pretax return on assets | 0.7255% | 4,766 |
| Return on Equity (ROE) | 3.0501% | 5,662 |
| Retained earnings to average equity (ytd only) | 1.6854% | 5,489 |
| Net charge-offs to loans | 0.3124% | 2,880 |
| Credit loss provision to net charge-offs | 190.1840% | 1,456 |
| Earnings coverage of net charge-offs (x) | 5.4466% | 3,022 |
| Efficiency ratio | 66.1119% | 4,432 |
| Assets per employee ($millions) | 5.7733% | 1,398 |
| Cash dividends to net income (ytd only)* | 44.7444% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1182% | 1,870 |
| Loan loss allowance to noncurrent loans | 26.6358% | 6,282 |
| Noncurrent assets plus other real estate owned to assets | 5.1139% | 862 |
| Noncurrent loans to loans | 7.9523% | 398 |
| Net loans and leases to total assets | 60.1016% | 3,762 |
| Net loans and leases to deposits | 70.8876% | 3,773 |
| Net loans and leases to core deposits | 94.3509% | 1,549 |
| Total domestic deposits to total assets | 84.7843% | 3,844 |
| Equity capital to assets | 14.7302% | 894 |
| Core capital (leverage) ratio | 14.2850% | 757 |
| Tier 1 risk-based capital ratio | 23.3132% | 1,127 |
| Total risk-based capital ratio | 24.5738% | 1,103 |
| Memoranda: | ||
| Average total assets | $530,896,500 | 1,268 |
| Average earning assets | $501,519,750 | 1,222 |
| Average equity | $77,765,250 | 909 |
| Average total loans | $347,875,500 | 1,214 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6695% | 6,386 |
| Cost of funding earning assets | 0.3243% | 6,625 |
| Net interest margin | 3.3452% | 5,285 |
| Noninterest income to average assets | 0.2321% | 5,910 |
| Noninterest expense to average assets | 2.1608% | 6,104 |
| Loan and lease loss provision to assets | 0.4710% | 1,357 |
| Net operating income to assets | 0.4770% | 4,924 |
| Return on assets (ROA) | 0.4770% | 5,171 |
| Pretax return on assets | 0.7596% | 4,609 |
| Return on Equity (ROE) | 3.2626% | 5,583 |
| Retained earnings to average equity (ytd only) | 1.8941% | 5,258 |
| Net charge-offs to loans | 0.7333% | 1,508 |
| Credit loss provision to net charge-offs | 96.0061% | 2,878 |
| Earnings coverage of net charge-offs (x) | 2.5084% | 3,760 |
| Efficiency ratio | 63.7151% | 4,945 |
| Assets per employee ($millions) | 5.8074% | 1,367 |
| Cash dividends to net income (ytd only)* | 41.9431% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7603% | 2,983 |
| Loan loss allowance to noncurrent loans | 35.1216% | 5,913 |
| Noncurrent assets plus other real estate owned to assets | 3.5481% | 1,497 |
| Noncurrent loans to loans | 5.0119% | 982 |
| Net loans and leases to total assets | 63.9378% | 3,048 |
| Net loans and leases to deposits | 75.2398% | 3,093 |
| Net loans and leases to core deposits | 100.2277% | 1,085 |
| Total domestic deposits to total assets | 84.9787% | 3,877 |
| Equity capital to assets | 14.5904% | 891 |
| Core capital (leverage) ratio | 14.0135% | 799 |
| Tier 1 risk-based capital ratio | 21.8917% | 1,318 |
| Total risk-based capital ratio | 23.1482% | 1,294 |
| Memoranda: | ||
| Average total assets | $530,815,000 | 1,275 |
| Average earning assets | $501,319,670 | 1,226 |
| Average equity | $77,607,670 | 907 |
| Average total loans | $355,123,330 | 1,176 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7520% | 6,348 |
| Cost of funding earning assets | 0.3399% | 6,680 |
| Net interest margin | 3.4121% | 5,072 |
| Noninterest income to average assets | 0.2419% | 5,899 |
| Noninterest expense to average assets | 2.2280% | 5,969 |
| Loan and lease loss provision to assets | 0.4536% | 1,358 |
| Net operating income to assets | 0.5020% | 4,821 |
| Return on assets (ROA) | 0.5020% | 5,032 |
| Pretax return on assets | 0.7855% | 4,470 |
| Return on Equity (ROE) | 3.4300% | 5,541 |
| Retained earnings to average equity (ytd only) | 2.0559% | 5,245 |
| Net charge-offs to loans | 0.9788% | 1,063 |
| Credit loss provision to net charge-offs | 68.3371% | 2,948 |
| Earnings coverage of net charge-offs (x) | 1.8667% | 3,406 |
| Efficiency ratio | 64.2608% | 4,878 |
| Assets per employee ($millions) | 5.8125% | 1,421 |
| Cash dividends to net income (ytd only)* | 40.0602% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6577% | 3,510 |
| Loan loss allowance to noncurrent loans | 36.2524% | 5,837 |
| Noncurrent assets plus other real estate owned to assets | 3.2580% | 1,771 |
| Noncurrent loans to loans | 4.5727% | 1,260 |
| Net loans and leases to total assets | 65.3971% | 2,580 |
| Net loans and leases to deposits | 76.9036% | 2,687 |
| Net loans and leases to core deposits | 102.3852% | 847 |
| Total domestic deposits to total assets | 85.0378% | 4,018 |
| Equity capital to assets | 14.5265% | 857 |
| Core capital (leverage) ratio | 14.1759% | 757 |
| Tier 1 risk-based capital ratio | 21.5141% | 1,381 |
| Total risk-based capital ratio | 22.7694% | 1,348 |
| Memoranda: | ||
| Average total assets | $529,081,000 | 1,280 |
| Average earning assets | $500,102,500 | 1,229 |
| Average equity | $77,434,500 | 902 |
| Average total loans | $358,820,000 | 1,170 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1083% | 6,268 |
| Cost of funding earning assets | 0.4933% | 6,562 |
| Net interest margin | 3.6150% | 4,672 |
| Noninterest income to average assets | 0.1566% | 6,368 |
| Noninterest expense to average assets | 1.9965% | 6,677 |
| Loan and lease loss provision to assets | 0.5477% | 1,903 |
| Net operating income to assets | 0.7180% | 3,401 |
| Return on assets (ROA) | 0.7180% | 3,573 |
| Pretax return on assets | 1.0082% | 3,213 |
| Return on Equity (ROE) | 4.9601% | 4,406 |
| Retained earnings to average equity (ytd only) | 3.6430% | 3,616 |
| Net charge-offs to loans | 0.5013% | 2,987 |
| Credit loss provision to net charge-offs | 153.2258% | 1,836 |
| Earnings coverage of net charge-offs (x) | 4.3527% | 3,151 |
| Efficiency ratio | 56.2023% | 6,288 |
| Assets per employee ($millions) | 5.6892% | 1,449 |
| Cash dividends to net income (ytd only)* | 26.5525% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7051% | 3,180 |
| Loan loss allowance to noncurrent loans | 44.6284% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 3.0370% | 1,976 |
| Noncurrent loans to loans | 3.8207% | 1,643 |
| Net loans and leases to total assets | 67.9887% | 2,396 |
| Net loans and leases to deposits | 80.0133% | 2,514 |
| Net loans and leases to core deposits | 107.1574% | 749 |
| Total domestic deposits to total assets | 84.9718% | 3,865 |
| Equity capital to assets | 14.7472% | 834 |
| Core capital (leverage) ratio | 14.2240% | 770 |
| Tier 1 risk-based capital ratio | 20.9575% | 1,422 |
| Total risk-based capital ratio | 22.2134% | 1,401 |
| Memoranda: | ||
| Average total assets | $520,350,200 | 1,285 |
| Average earning assets | $488,796,400 | 1,248 |
| Average equity | $75,321,800 | 891 |
| Average total loans | $371,044,800 | 1,142 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1623% | 6,294 |
| Cost of funding earning assets | 0.5204% | 6,621 |
| Net interest margin | 3.6419% | 4,607 |
| Noninterest income to average assets | 0.1832% | 6,285 |
| Noninterest expense to average assets | 2.1830% | 6,315 |
| Loan and lease loss provision to assets | 0.5774% | 1,703 |
| Net operating income to assets | 0.5137% | 4,481 |
| Return on assets (ROA) | 0.5137% | 4,672 |
| Pretax return on assets | 0.8383% | 3,988 |
| Return on Equity (ROE) | 3.5659% | 5,193 |
| Retained earnings to average equity (ytd only) | 2.3280% | 4,954 |
| Net charge-offs to loans | 0.4922% | 2,781 |
| Credit loss provision to net charge-offs | 163.2801% | 1,875 |
| Earnings coverage of net charge-offs (x) | 4.0036% | 3,218 |
| Efficiency ratio | 60.6603% | 5,615 |
| Assets per employee ($millions) | 5.5357% | 1,566 |
| Cash dividends to net income (ytd only)* | 34.7151% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6536% | 3,431 |
| Loan loss allowance to noncurrent loans | 37.7353% | 5,762 |
| Noncurrent assets plus other real estate owned to assets | 3.4498% | 1,828 |
| Noncurrent loans to loans | 4.3821% | 1,485 |
| Net loans and leases to total assets | 68.4773% | 2,380 |
| Net loans and leases to deposits | 80.5369% | 2,586 |
| Net loans and leases to core deposits | 108.4138% | 752 |
| Total domestic deposits to total assets | 85.0260% | 3,759 |
| Equity capital to assets | 14.4414% | 1,013 |
| Core capital (leverage) ratio | 14.1955% | 846 |
| Tier 1 risk-based capital ratio | 19.9711% | 1,692 |
| Total risk-based capital ratio | 21.2260% | 1,663 |
| Memoranda: | ||
| Average total assets | $519,585,500 | 1,293 |
| Average earning assets | $487,278,000 | 1,256 |
| Average equity | $74,855,250 | 906 |
| Average total loans | $373,298,000 | 1,148 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2333% | 6,209 |
| Cost of funding earning assets | 0.5472% | 6,677 |
| Net interest margin | 3.6861% | 4,331 |
| Noninterest income to average assets | 0.2423% | 5,910 |
| Noninterest expense to average assets | 2.3332% | 6,042 |
| Loan and lease loss provision to assets | 0.6184% | 1,544 |
| Net operating income to assets | 0.4642% | 4,660 |
| Return on assets (ROA) | 0.4642% | 4,795 |
| Pretax return on assets | 0.7482% | 4,221 |
| Return on Equity (ROE) | 3.2245% | 5,293 |
| Retained earnings to average equity (ytd only) | 1.9814% | 4,988 |
| Net charge-offs to loans | 0.4083% | 2,918 |
| Credit loss provision to net charge-offs | 208.6050% | 1,439 |
| Earnings coverage of net charge-offs (x) | 4.6102% | 2,816 |
| Efficiency ratio | 63.0628% | 5,396 |
| Assets per employee ($millions) | 5.1431% | 1,942 |
| Cash dividends to net income (ytd only)* | 38.5512% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6271% | 3,593 |
| Loan loss allowance to noncurrent loans | 40.0000% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 3.2307% | 2,075 |
| Noncurrent loans to loans | 4.0677% | 1,698 |
| Net loans and leases to total assets | 70.7215% | 2,064 |
| Net loans and leases to deposits | 83.3221% | 2,212 |
| Net loans and leases to core deposits | 114.6763% | 560 |
| Total domestic deposits to total assets | 84.8772% | 3,931 |
| Equity capital to assets | 14.6050% | 912 |
| Core capital (leverage) ratio | 14.1985% | 826 |
| Tier 1 risk-based capital ratio | 19.8328% | 1,644 |
| Total risk-based capital ratio | 21.0876% | 1,613 |
| Memoranda: | ||
| Average total assets | $517,483,670 | 1,301 |
| Average earning assets | $485,395,330 | 1,262 |
| Average equity | $74,491,670 | 912 |
| Average total loans | $375,673,670 | 1,159 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2592% | 6,128 |
| Cost of funding earning assets | 0.5788% | 6,695 |
| Net interest margin | 3.6805% | 4,201 |
| Noninterest income to average assets | 0.2759% | 5,695 |
| Noninterest expense to average assets | 2.4975% | 5,564 |
| Loan and lease loss provision to assets | 0.5780% | 1,498 |
| Net operating income to assets | 0.4161% | 4,874 |
| Return on assets (ROA) | 0.4161% | 4,968 |
| Pretax return on assets | 0.6550% | 4,473 |
| Return on Equity (ROE) | 2.9118% | 5,415 |
| Retained earnings to average equity (ytd only) | 1.6608% | 5,124 |
| Net charge-offs to loans | 0.4860% | 2,256 |
| Credit loss provision to net charge-offs | 163.0435% | 1,776 |
| Earnings coverage of net charge-offs (x) | 3.4783% | 2,728 |
| Efficiency ratio | 66.9490% | 4,860 |
| Assets per employee ($millions) | 5.1839% | 1,919 |
| Cash dividends to net income (ytd only)* | 42.9630% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4629% | 4,379 |
| Loan loss allowance to noncurrent loans | 41.4339% | 5,539 |
| Noncurrent assets plus other real estate owned to assets | 2.8268% | 2,439 |
| Noncurrent loans to loans | 3.5307% | 2,110 |
| Net loans and leases to total assets | 71.1127% | 1,899 |
| Net loans and leases to deposits | 83.4823% | 2,106 |
| Net loans and leases to core deposits | 117.1225% | 496 |
| Total domestic deposits to total assets | 85.1830% | 3,958 |
| Equity capital to assets | 14.3508% | 920 |
| Core capital (leverage) ratio | 13.9589% | 857 |
| Tier 1 risk-based capital ratio | 19.3835% | 1,718 |
| Total risk-based capital ratio | 20.6362% | 1,687 |
| Memoranda: | ||
| Average total assets | $519,071,000 | 1,302 |
| Average earning assets | $487,222,000 | 1,263 |
| Average equity | $74,180,000 | 903 |
| Average total loans | $378,639,000 | 1,166 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7987% | 5,410 |
| Cost of funding earning assets | 0.7348% | 6,778 |
| Net interest margin | 4.0639% | 2,729 |
| Noninterest income to average assets | -0.0678% | 7,368 |
| Noninterest expense to average assets | 2.0610% | 6,927 |
| Loan and lease loss provision to assets | 0.7645% | 2,143 |
| Net operating income to assets | 0.6406% | 3,485 |
| Return on assets (ROA) | 0.6406% | 3,638 |
| Pretax return on assets | 0.8920% | 3,320 |
| Return on Equity (ROE) | 4.5820% | 4,258 |
| Retained earnings to average equity (ytd only) | 3.3162% | 3,545 |
| Net charge-offs to loans | 0.8268% | 2,565 |
| Credit loss provision to net charge-offs | 120.4094% | 3,502 |
| Earnings coverage of net charge-offs (x) | 2.6090% | 3,793 |
| Efficiency ratio | 55.4419% | 6,662 |
| Assets per employee ($millions) | 5.1975% | 1,864 |
| Cash dividends to net income (ytd only)* | 27.6253% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3527% | 4,733 |
| Loan loss allowance to noncurrent loans | 55.1911% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 1.9442% | 3,419 |
| Noncurrent loans to loans | 2.4509% | 3,071 |
| Net loans and leases to total assets | 72.7233% | 1,939 |
| Net loans and leases to deposits | 85.1728% | 2,244 |
| Net loans and leases to core deposits | 122.0235% | 470 |
| Total domestic deposits to total assets | 85.3832% | 3,672 |
| Equity capital to assets | 14.2312% | 971 |
| Core capital (leverage) ratio | 13.5771% | 962 |
| Tier 1 risk-based capital ratio | 18.9263% | 1,738 |
| Total risk-based capital ratio | 20.1777% | 1,705 |
| Memoranda: | ||
| Average total assets | $523,232,000 | 1,278 |
| Average earning assets | $487,363,600 | 1,264 |
| Average equity | $73,156,200 | 912 |
| Average total loans | $401,772,000 | 1,127 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8831% | 5,339 |
| Cost of funding earning assets | 0.7613% | 6,879 |
| Net interest margin | 4.1218% | 2,528 |
| Noninterest income to average assets | -0.0562% | 7,504 |
| Noninterest expense to average assets | 2.3114% | 6,287 |
| Loan and lease loss provision to assets | 0.5470% | 2,763 |
| Net operating income to assets | 0.5798% | 3,961 |
| Return on assets (ROA) | 0.5798% | 4,119 |
| Pretax return on assets | 0.9143% | 3,510 |
| Return on Equity (ROE) | 4.1651% | 4,693 |
| Retained earnings to average equity (ytd only) | 2.8949% | 4,397 |
| Net charge-offs to loans | 0.6709% | 2,750 |
| Credit loss provision to net charge-offs | 105.1345% | 4,078 |
| Earnings coverage of net charge-offs (x) | 2.8088% | 3,735 |
| Efficiency ratio | 61.2677% | 5,739 |
| Assets per employee ($millions) | 5.2955% | 1,828 |
| Cash dividends to net income (ytd only)* | 30.4957% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 5,615 |
| Loan loss allowance to noncurrent loans | 66.2071% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 1.7570% | 3,808 |
| Noncurrent loans to loans | 1.7740% | 3,986 |
| Net loans and leases to total assets | 73.2514% | 1,967 |
| Net loans and leases to deposits | 85.6865% | 2,409 |
| Net loans and leases to core deposits | 123.6943% | 509 |
| Total domestic deposits to total assets | 85.4877% | 3,352 |
| Equity capital to assets | 13.9267% | 1,190 |
| Core capital (leverage) ratio | 13.5591% | 1,040 |
| Tier 1 risk-based capital ratio | 18.1133% | 1,995 |
| Total risk-based capital ratio | 19.2840% | 1,978 |
| Memoranda: | ||
| Average total assets | $524,102,250 | 1,286 |
| Average earning assets | $486,866,000 | 1,280 |
| Average equity | $72,953,500 | 910 |
| Average total loans | $406,424,250 | 1,118 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9433% | 5,209 |
| Cost of funding earning assets | 0.7882% | 6,953 |
| Net interest margin | 4.1551% | 2,316 |
| Noninterest income to average assets | 0.2367% | 6,211 |
| Noninterest expense to average assets | 2.5427% | 5,554 |
| Loan and lease loss provision to assets | 0.6127% | 2,343 |
| Net operating income to assets | 0.6004% | 3,876 |
| Return on assets (ROA) | 0.6004% | 4,014 |
| Pretax return on assets | 0.9412% | 3,342 |
| Return on Equity (ROE) | 4.3143% | 4,639 |
| Retained earnings to average equity (ytd only) | 3.0404% | 4,177 |
| Net charge-offs to loans | 0.6773% | 2,524 |
| Credit loss provision to net charge-offs | 114.9425% | 3,539 |
| Earnings coverage of net charge-offs (x) | 2.9152% | 3,537 |
| Efficiency ratio | 62.0677% | 5,679 |
| Assets per employee ($millions) | 5.2130% | 1,915 |
| Cash dividends to net income (ytd only)* | 29.5281% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 5,652 |
| Loan loss allowance to noncurrent loans | 77.9911% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.7169% | 3,873 |
| Noncurrent loans to loans | 1.4862% | 4,476 |
| Net loans and leases to total assets | 77.0969% | 1,277 |
| Net loans and leases to deposits | 90.2622% | 1,812 |
| Net loans and leases to core deposits | 134.3963% | 353 |
| Total domestic deposits to total assets | 85.4145% | 3,412 |
| Equity capital to assets | 14.0411% | 1,145 |
| Core capital (leverage) ratio | 13.5414% | 1,042 |
| Tier 1 risk-based capital ratio | 17.3365% | 2,156 |
| Total risk-based capital ratio | 18.4897% | 2,151 |
| Memoranda: | ||
| Average total assets | $522,286,330 | 1,296 |
| Average earning assets | $485,182,330 | 1,284 |
| Average equity | $72,688,330 | 911 |
| Average total loans | $411,061,330 | 1,112 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0221% | 4,916 |
| Cost of funding earning assets | 0.8195% | 7,028 |
| Net interest margin | 4.2025% | 2,029 |
| Noninterest income to average assets | 0.2334% | 6,289 |
| Noninterest expense to average assets | 2.4722% | 5,834 |
| Loan and lease loss provision to assets | 0.6886% | 1,849 |
| Net operating income to assets | 0.5899% | 3,937 |
| Return on assets (ROA) | 0.5899% | 4,084 |
| Pretax return on assets | 0.9648% | 3,221 |
| Return on Equity (ROE) | 4.2576% | 4,783 |
| Retained earnings to average equity (ytd only) | 2.9765% | 4,342 |
| Net charge-offs to loans | 0.7172% | 2,068 |
| Credit loss provision to net charge-offs | 121.4575% | 2,880 |
| Earnings coverage of net charge-offs (x) | 2.9163% | 3,091 |
| Efficiency ratio | 59.9221% | 6,187 |
| Assets per employee ($millions) | 5.1994% | 1,968 |
| Cash dividends to net income (ytd only)* | 30.0908% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 5,822 |
| Loan loss allowance to noncurrent loans | 66.2406% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 1.7789% | 3,817 |
| Noncurrent loans to loans | 1.7201% | 4,161 |
| Net loans and leases to total assets | 77.8309% | 1,185 |
| Net loans and leases to deposits | 90.9926% | 1,764 |
| Net loans and leases to core deposits | 139.7477% | 330 |
| Total domestic deposits to total assets | 85.5354% | 3,396 |
| Equity capital to assets | 13.9718% | 1,151 |
| Core capital (leverage) ratio | 13.4685% | 1,091 |
| Tier 1 risk-based capital ratio | 17.5127% | 2,074 |
| Total risk-based capital ratio | 18.6748% | 2,068 |
| Memoranda: | ||
| Average total assets | $522,781,000 | 1,335 |
| Average earning assets | $484,183,000 | 1,317 |
| Average equity | $72,434,500 | 917 |
| Average total loans | $413,283,500 | 1,139 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0528% | 6,252 |
| Cost of funding earning assets | 1.0868% | 7,016 |
| Net interest margin | 3.9660% | 2,998 |
| Noninterest income to average assets | 0.2343% | 6,438 |
| Noninterest expense to average assets | 2.2581% | 6,850 |
| Loan and lease loss provision to assets | 1.0959% | 2,080 |
| Net operating income to assets | 0.4535% | 3,915 |
| Return on assets (ROA) | 0.4582% | 4,019 |
| Pretax return on assets | 0.5952% | 3,912 |
| Return on Equity (ROE) | 3.3558% | 4,356 |
| Retained earnings to average equity (ytd only) | 2.0744% | 3,651 |
| Net charge-offs to loans | 1.2635% | 1,956 |
| Credit loss provision to net charge-offs | 108.2291% | 5,117 |
| Earnings coverage of net charge-offs (x) | 1.6641% | 4,493 |
| Efficiency ratio | 57.2668% | 6,869 |
| Assets per employee ($millions) | 5.2562% | 1,882 |
| Cash dividends to net income (ytd only)* | 38.1856% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0797% | 5,998 |
| Loan loss allowance to noncurrent loans | 41.0965% | 5,660 |
| Noncurrent assets plus other real estate owned to assets | 2.0855% | 3,291 |
| Noncurrent loans to loans | 2.6273% | 2,928 |
| Net loans and leases to total assets | 78.5211% | 1,279 |
| Net loans and leases to deposits | 91.6120% | 1,943 |
| Net loans and leases to core deposits | 149.5792% | 520 |
| Total domestic deposits to total assets | 85.7105% | 3,157 |
| Equity capital to assets | 13.7406% | 1,240 |
| Core capital (leverage) ratio | 13.0289% | 1,246 |
| Tier 1 risk-based capital ratio | 17.4861% | 2,028 |
| Total risk-based capital ratio | 18.6156% | 2,021 |
| Memoranda: | ||
| Average total assets | $529,250,800 | 1,301 |
| Average earning assets | $494,936,600 | 1,274 |
| Average equity | $72,263,200 | 907 |
| Average total loans | $424,146,800 | 1,133 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0462% | 6,459 |
| Cost of funding earning assets | 1.1372% | 7,071 |
| Net interest margin | 3.9089% | 3,210 |
| Noninterest income to average assets | 0.2359% | 6,538 |
| Noninterest expense to average assets | 2.4131% | 6,377 |
| Loan and lease loss provision to assets | 0.8953% | 2,150 |
| Net operating income to assets | 0.3674% | 4,525 |
| Return on assets (ROA) | 0.3715% | 4,617 |
| Pretax return on assets | 0.6016% | 4,181 |
| Return on Equity (ROE) | 2.7248% | 4,904 |
| Retained earnings to average equity (ytd only) | 1.4426% | 4,509 |
| Net charge-offs to loans | 1.0901% | 1,826 |
| Credit loss provision to net charge-offs | 102.2401% | 4,979 |
| Earnings coverage of net charge-offs (x) | 1.7022% | 4,523 |
| Efficiency ratio | 61.8155% | 6,148 |
| Assets per employee ($millions) | 5.4699% | 1,639 |
| Cash dividends to net income (ytd only)* | 47.0548% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9726% | 6,425 |
| Loan loss allowance to noncurrent loans | 38.1084% | 5,836 |
| Noncurrent assets plus other real estate owned to assets | 1.9871% | 3,364 |
| Noncurrent loans to loans | 2.5523% | 2,960 |
| Net loans and leases to total assets | 77.0979% | 1,768 |
| Net loans and leases to deposits | 90.2727% | 2,524 |
| Net loans and leases to core deposits | 156.0828% | 459 |
| Total domestic deposits to total assets | 85.4056% | 3,022 |
| Equity capital to assets | 13.3509% | 1,553 |
| Core capital (leverage) ratio | 13.0531% | 1,359 |
| Tier 1 risk-based capital ratio | 17.1720% | 2,225 |
| Total risk-based capital ratio | 18.1829% | 2,245 |
| Memoranda: | ||
| Average total assets | $530,157,750 | 1,309 |
| Average earning assets | $497,448,750 | 1,279 |
| Average equity | $72,273,000 | 918 |
| Average total loans | $425,876,000 | 1,144 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0769% | 6,523 |
| Cost of funding earning assets | 1.1921% | 7,126 |
| Net interest margin | 3.8848% | 3,184 |
| Noninterest income to average assets | 0.2463% | 6,524 |
| Noninterest expense to average assets | 2.5237% | 6,042 |
| Loan and lease loss provision to assets | 0.7854% | 2,123 |
| Net operating income to assets | 0.3710% | 4,616 |
| Return on assets (ROA) | 0.3710% | 4,714 |
| Pretax return on assets | 0.6112% | 4,292 |
| Return on Equity (ROE) | 2.7020% | 5,016 |
| Retained earnings to average equity (ytd only) | 1.4162% | 4,543 |
| Net charge-offs to loans | 0.7185% | 2,260 |
| Credit loss provision to net charge-offs | 134.6405% | 3,464 |
| Earnings coverage of net charge-offs (x) | 2.3941% | 3,872 |
| Efficiency ratio | 64.3746% | 5,834 |
| Assets per employee ($millions) | 5.3070% | 1,769 |
| Cash dividends to net income (ytd only)* | 47.5848% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0804% | 5,728 |
| Loan loss allowance to noncurrent loans | 45.3325% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 1.9095% | 3,328 |
| Noncurrent loans to loans | 2.3833% | 3,029 |
| Net loans and leases to total assets | 79.2559% | 1,471 |
| Net loans and leases to deposits | 93.1254% | 2,248 |
| Net loans and leases to core deposits | 160.3365% | 445 |
| Total domestic deposits to total assets | 85.1066% | 3,213 |
| Equity capital to assets | 13.6255% | 1,448 |
| Core capital (leverage) ratio | 13.3970% | 1,302 |
| Tier 1 risk-based capital ratio | 17.0422% | 2,288 |
| Total risk-based capital ratio | 18.1593% | 2,279 |
| Memoranda: | ||
| Average total assets | $524,547,330 | 1,344 |
| Average earning assets | $496,091,330 | 1,308 |
| Average equity | $72,021,330 | 932 |
| Average total loans | $425,881,670 | 1,172 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1606% | 6,442 |
| Cost of funding earning assets | 1.2605% | 7,146 |
| Net interest margin | 3.9001% | 3,039 |
| Noninterest income to average assets | 0.2585% | 6,379 |
| Noninterest expense to average assets | 2.6234% | 5,351 |
| Loan and lease loss provision to assets | 0.6098% | 2,064 |
| Net operating income to assets | 0.4472% | 4,663 |
| Return on assets (ROA) | 0.4472% | 4,835 |
| Pretax return on assets | 0.7348% | 4,306 |
| Return on Equity (ROE) | 3.2445% | 5,262 |
| Retained earnings to average equity (ytd only) | 1.9534% | 4,770 |
| Net charge-offs to loans | 0.6729% | 1,834 |
| Credit loss provision to net charge-offs | 110.8787% | 3,480 |
| Earnings coverage of net charge-offs (x) | 2.4449% | 3,514 |
| Efficiency ratio | 66.1125% | 5,309 |
| Assets per employee ($millions) | 5.3007% | 1,744 |
| Cash dividends to net income (ytd only)* | 39.7942% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9695% | 6,372 |
| Loan loss allowance to noncurrent loans | 62.9675% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 1.2410% | 4,203 |
| Noncurrent loans to loans | 1.5398% | 3,972 |
| Net loans and leases to total assets | 79.8135% | 1,426 |
| Net loans and leases to deposits | 93.6880% | 2,322 |
| Net loans and leases to core deposits | 166.8043% | 398 |
| Total domestic deposits to total assets | 85.1907% | 3,109 |
| Equity capital to assets | 13.6061% | 1,494 |
| Core capital (leverage) ratio | 13.4758% | 1,329 |
| Tier 1 risk-based capital ratio | 16.7772% | 2,414 |
| Total risk-based capital ratio | 17.7709% | 2,446 |
| Memoranda: | ||
| Average total assets | $521,469,000 | 1,356 |
| Average earning assets | $495,986,000 | 1,306 |
| Average equity | $71,876,500 | 934 |
| Average total loans | $426,218,500 | 1,191 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9768% | 5,660 |
| Cost of funding earning assets | 1.9013% | 6,723 |
| Net interest margin | 4.0755% | 2,810 |
| Noninterest income to average assets | 0.2609% | 6,585 |
| Noninterest expense to average assets | 2.1252% | 7,174 |
| Loan and lease loss provision to assets | 0.0582% | 6,683 |
| Net operating income to assets | 1.2777% | 1,547 |
| Return on assets (ROA) | 1.2777% | 1,500 |
| Pretax return on assets | 1.9371% | 709 |
| Return on Equity (ROE) | 9.5216% | 2,431 |
| Retained earnings to average equity (ytd only) | 6.3540% | 1,378 |
| Net charge-offs to loans | -0.0024% | 7,752 |
| Credit loss provision to net charge-offs | -3,000.0000% | 7,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5757% | 7,535 |
| Assets per employee ($millions) | 5.1287% | 1,799 |
| Cash dividends to net income (ytd only)* | 33.2675% | 3,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9557% | 6,369 |
| Loan loss allowance to noncurrent loans | 201.4874% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.3933% | 6,054 |
| Noncurrent loans to loans | 0.4743% | 5,924 |
| Net loans and leases to total assets | 82.1193% | 1,207 |
| Net loans and leases to deposits | 97.3056% | 2,231 |
| Net loans and leases to core deposits | 172.3150% | 368 |
| Total domestic deposits to total assets | 84.3932% | 3,131 |
| Equity capital to assets | 13.9668% | 1,434 |
| Core capital (leverage) ratio | 13.4566% | 1,401 |
| Tier 1 risk-based capital ratio | 16.3822% | 2,523 |
| Total risk-based capital ratio | 17.3391% | 2,571 |
| Memoranda: | ||
| Average total assets | $515,209,200 | 1,307 |
| Average earning assets | $487,921,200 | 1,261 |
| Average equity | $69,137,200 | 970 |
| Average total loans | $423,219,400 | 1,131 |