Home > BAC Community Bank > Performance and Condition Ratios
BAC Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6183% | 4,336 |
| Cost of funding earning assets | 0.7259% | 3,886 |
| Net interest margin | 2.8923% | 3,505 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.5693% | 2,102 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4332% | 3,802 |
| Return on assets (ROA) | 0.4324% | 3,802 |
| Pretax return on assets | 0.4491% | 3,899 |
| Return on Equity (ROE) | 6.4900% | 3,421 |
| Retained earnings to average equity (ytd only) | 3.9248% | 2,985 |
| Net charge-offs to loans | -0.1468% | 4,534 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 85.0540% | 609 |
| Assets per employee ($millions) | 7.7037% | 1,588 |
| Cash dividends to net income (ytd only)* | 39.5433% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6101% | 818 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 51.1200% | 3,535 |
| Net loans and leases to deposits | 58.9561% | 3,582 |
| Net loans and leases to core deposits | 61.3725% | 3,707 |
| Total domestic deposits to total assets | 86.7000% | 1,788 |
| Equity capital to assets | 7.2782% | 3,827 |
| Core capital (leverage) ratio | 9.8713% | 2,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4787% | 1,000 |
| Memoranda: | ||
| Average total assets | $830,564,800 | 1,149 |
| Average earning assets | $780,929,000 | 1,130 |
| Average equity | $55,314,800 | 1,482 |
| Average total loans | $420,890,000 | 1,424 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5567% | 4,344 |
| Cost of funding earning assets | 0.6648% | 3,838 |
| Net interest margin | 2.8919% | 3,566 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.5655% | 2,042 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4146% | 3,942 |
| Return on assets (ROA) | 0.4136% | 3,934 |
| Pretax return on assets | 0.4287% | 4,018 |
| Return on Equity (ROE) | 6.3500% | 3,577 |
| Retained earnings to average equity (ytd only) | 4.4210% | 3,139 |
| Net charge-offs to loans | -0.1454% | 4,547 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 85.6068% | 529 |
| Assets per employee ($millions) | 7.8364% | 1,434 |
| Cash dividends to net income (ytd only)* | 30.4213% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5611% | 962 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 3,684 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 50.1700% | 3,604 |
| Net loans and leases to deposits | 57.3679% | 3,642 |
| Net loans and leases to core deposits | 72.8763% | 3,061 |
| Total domestic deposits to total assets | 87.4500% | 1,758 |
| Equity capital to assets | 6.7162% | 3,746 |
| Core capital (leverage) ratio | 9.7989% | 3,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1038% | 1,080 |
| Memoranda: | ||
| Average total assets | $834,057,750 | 1,149 |
| Average earning assets | $784,792,750 | 1,120 |
| Average equity | $54,285,250 | 1,497 |
| Average total loans | $420,049,000 | 1,416 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4993% | 4,346 |
| Cost of funding earning assets | 0.5884% | 3,782 |
| Net interest margin | 2.9109% | 3,628 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.6316% | 1,843 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3651% | 4,065 |
| Return on assets (ROA) | 0.3634% | 4,086 |
| Pretax return on assets | 0.3767% | 4,150 |
| Return on Equity (ROE) | 5.6400% | 3,772 |
| Retained earnings to average equity (ytd only) | 3.0816% | 3,454 |
| Net charge-offs to loans | -0.1815% | 4,580 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 87.3823% | 452 |
| Assets per employee ($millions) | 7.5047% | 1,606 |
| Cash dividends to net income (ytd only)* | 45.4065% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5504% | 1,033 |
| Loan loss allowance to noncurrent loans | 232.8506% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.3398% | 1,558 |
| Noncurrent loans to loans | 0.6658% | 1,120 |
| Net loans and leases to total assets | 50.2500% | 3,542 |
| Net loans and leases to deposits | 57.3871% | 3,567 |
| Net loans and leases to core deposits | 73.5287% | 2,924 |
| Total domestic deposits to total assets | 87.5600% | 1,764 |
| Equity capital to assets | 6.5565% | 3,978 |
| Core capital (leverage) ratio | 9.6473% | 3,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8823% | 1,143 |
| Memoranda: | ||
| Average total assets | $832,579,667 | 1,147 |
| Average earning assets | $783,126,667 | 1,124 |
| Average equity | $53,608,667 | 1,516 |
| Average total loans | $417,619,333 | 1,408 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3906% | 4,378 |
| Cost of funding earning assets | 0.3303% | 4,126 |
| Net interest margin | 3.0603% | 3,438 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.7061% | 1,653 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4295% | 4,036 |
| Return on assets (ROA) | 0.4263% | 3,994 |
| Pretax return on assets | 0.4416% | 4,066 |
| Return on Equity (ROE) | 6.6800% | 3,593 |
| Retained earnings to average equity (ytd only) | 5.2726% | 2,957 |
| Net charge-offs to loans | -0.3248% | 4,630 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 85.8319% | 516 |
| Assets per employee ($millions) | 7.4025% | 1,682 |
| Cash dividends to net income (ytd only)* | 21.0823% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5664% | 1,078 |
| Loan loss allowance to noncurrent loans | 143.6404% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.5451% | 948 |
| Noncurrent loans to loans | 1.0905% | 651 |
| Net loans and leases to total assets | 49.2100% | 3,550 |
| Net loans and leases to deposits | 56.8813% | 3,518 |
| Net loans and leases to core deposits | 58.0379% | 3,629 |
| Total domestic deposits to total assets | 86.5100% | 2,440 |
| Equity capital to assets | 6.5061% | 4,027 |
| Core capital (leverage) ratio | 9.6975% | 2,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9809% | 1,154 |
| Memoranda: | ||
| Average total assets | $832,356,000 | 1,159 |
| Average earning assets | $783,454,500 | 1,138 |
| Average equity | $53,104,500 | 1,535 |
| Average total loans | $413,836,000 | 1,438 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1720% | 3,869 |
| Cost of funding earning assets | 0.1098% | 4,345 |
| Net interest margin | 3.0623% | 3,283 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 2.3955% | 2,436 |
| Loan and lease loss provision to assets | -0.0800% | 4,486 |
| Net operating income to assets | 0.8123% | 3,284 |
| Return on assets (ROA) | 0.7858% | 3,311 |
| Pretax return on assets | 0.8145% | 3,588 |
| Return on Equity (ROE) | 11.8500% | 2,195 |
| Retained earnings to average equity (ytd only) | 7.1599% | 2,172 |
| Net charge-offs to loans | -0.0213% | 4,082 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.7586% | 1,039 |
| Assets per employee ($millions) | 7.5984% | 1,548 |
| Cash dividends to net income (ytd only)* | 39.5609% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5172% | 1,155 |
| Loan loss allowance to noncurrent loans | 132.2478% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5672% | 888 |
| Noncurrent loans to loans | 1.1472% | 617 |
| Net loans and leases to total assets | 48.6900% | 3,615 |
| Net loans and leases to deposits | 52.5333% | 3,763 |
| Net loans and leases to core deposits | 53.0516% | 3,865 |
| Total domestic deposits to total assets | 92.6900% | 468 |
| Equity capital to assets | 6.2526% | 3,999 |
| Core capital (leverage) ratio | 9.3077% | 3,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9791% | 1,130 |
| Memoranda: | ||
| Average total assets | $840,507,400 | 1,145 |
| Average earning assets | $793,565,600 | 1,121 |
| Average equity | $55,754,600 | 1,486 |
| Average total loans | $413,219,600 | 1,352 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0644% | 3,758 |
| Cost of funding earning assets | 0.1108% | 4,192 |
| Net interest margin | 2.9537% | 3,353 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 2.3404% | 2,513 |
| Loan and lease loss provision to assets | -0.0600% | 4,520 |
| Net operating income to assets | 0.7638% | 3,375 |
| Return on assets (ROA) | 0.7624% | 3,324 |
| Pretax return on assets | 0.7825% | 3,625 |
| Return on Equity (ROE) | 11.3300% | 2,258 |
| Retained earnings to average equity (ytd only) | 6.1465% | 2,702 |
| Net charge-offs to loans | -0.0206% | 4,000 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.4147% | 1,042 |
| Assets per employee ($millions) | 8.0648% | 1,291 |
| Cash dividends to net income (ytd only)* | 45.7711% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 1,178 |
| Loan loss allowance to noncurrent loans | 133.7557% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.5579% | 956 |
| Noncurrent loans to loans | 1.1554% | 639 |
| Net loans and leases to total assets | 47.5400% | 3,668 |
| Net loans and leases to deposits | 50.8709% | 3,795 |
| Net loans and leases to core deposits | 51.4097% | 3,881 |
| Total domestic deposits to total assets | 93.4500% | 460 |
| Equity capital to assets | 5.6539% | 4,086 |
| Core capital (leverage) ratio | 9.1482% | 3,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6825% | 1,239 |
| Memoranda: | ||
| Average total assets | $843,578,000 | 1,151 |
| Average earning assets | $796,957,250 | 1,121 |
| Average equity | $56,746,750 | 1,486 |
| Average total loans | $414,145,750 | 1,344 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0407% | 3,453 |
| Cost of funding earning assets | 0.1185% | 3,979 |
| Net interest margin | 2.9222% | 3,109 |
| Noninterest income to average assets | 0.2727% | 3,536 |
| Noninterest expense to average assets | 2.3343% | 2,445 |
| Loan and lease loss provision to assets | -0.0956% | 4,587 |
| Net operating income to assets | 0.5447% | 3,781 |
| Return on assets (ROA) | 0.5455% | 3,733 |
| Pretax return on assets | 0.7988% | 3,335 |
| Return on Equity (ROE) | 7.7354% | 3,093 |
| Retained earnings to average equity (ytd only) | 4.3423% | 2,950 |
| Net charge-offs to loans | -0.0266% | 4,001 |
| Credit loss provision to net charge-offs | 727.2727% | 504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8262% | 1,195 |
| Assets per employee ($millions) | 7.6488% | 1,516 |
| Cash dividends to net income (ytd only)* | 43.8650% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5690% | 1,223 |
| Loan loss allowance to noncurrent loans | 129.6169% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.6060% | 921 |
| Noncurrent loans to loans | 1.2105% | 656 |
| Net loans and leases to total assets | 49.2788% | 3,443 |
| Net loans and leases to deposits | 52.6112% | 3,639 |
| Net loans and leases to core deposits | 53.3339% | 3,735 |
| Total domestic deposits to total assets | 93.6660% | 349 |
| Equity capital to assets | 5.4284% | 4,387 |
| Core capital (leverage) ratio | 9.0059% | 3,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $836,728,333 | 1,152 |
| Average earning assets | $791,390,333 | 1,137 |
| Average equity | $59,001,333 | 1,453 |
| Average total loans | $413,305,000 | 1,343 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0002% | 3,259 |
| Cost of funding earning assets | 0.1223% | 3,872 |
| Net interest margin | 2.8780% | 2,903 |
| Noninterest income to average assets | 0.2601% | 3,577 |
| Noninterest expense to average assets | 2.2571% | 2,664 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4042% | 3,940 |
| Return on assets (ROA) | 0.4057% | 3,904 |
| Pretax return on assets | 0.7320% | 3,302 |
| Return on Equity (ROE) | 5.1774% | 3,573 |
| Retained earnings to average equity (ytd only) | 3.5481% | 3,102 |
| Net charge-offs to loans | -0.0491% | 4,249 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5105% | 1,583 |
| Assets per employee ($millions) | 7.8916% | 1,440 |
| Cash dividends to net income (ytd only)* | 31.4685% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6536% | 1,150 |
| Loan loss allowance to noncurrent loans | 98.0885% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 0.8240% | 663 |
| Noncurrent loans to loans | 1.6859% | 463 |
| Net loans and leases to total assets | 48.0698% | 3,380 |
| Net loans and leases to deposits | 51.8516% | 3,577 |
| Net loans and leases to core deposits | 52.5458% | 3,693 |
| Total domestic deposits to total assets | 92.7065% | 343 |
| Equity capital to assets | 6.4582% | 4,440 |
| Core capital (leverage) ratio | 8.9641% | 3,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $845,880,000 | 1,139 |
| Average earning assets | $801,541,000 | 1,123 |
| Average equity | $66,288,500 | 1,384 |
| Average total loans | $415,088,000 | 1,330 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3085% | 3,182 |
| Cost of funding earning assets | 0.1142% | 4,278 |
| Net interest margin | 3.1943% | 2,612 |
| Noninterest income to average assets | 0.2747% | 3,750 |
| Noninterest expense to average assets | 2.3759% | 2,565 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8779% | 3,118 |
| Return on assets (ROA) | 0.8936% | 3,123 |
| Pretax return on assets | 0.9260% | 3,435 |
| Return on Equity (ROE) | 9.1852% | 2,841 |
| Retained earnings to average equity (ytd only) | 5.6595% | 2,498 |
| Net charge-offs to loans | -0.0175% | 3,932 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2716% | 1,483 |
| Assets per employee ($millions) | 7.9192% | 1,373 |
| Cash dividends to net income (ytd only)* | 38.3843% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6227% | 1,210 |
| Loan loss allowance to noncurrent loans | 78.7766% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.0148% | 543 |
| Noncurrent loans to loans | 2.0599% | 380 |
| Net loans and leases to total assets | 48.4653% | 3,454 |
| Net loans and leases to deposits | 53.9063% | 3,606 |
| Net loans and leases to core deposits | 54.6477% | 3,713 |
| Total domestic deposits to total assets | 89.9066% | 1,002 |
| Equity capital to assets | 9.2103% | 3,408 |
| Core capital (leverage) ratio | 9.1114% | 3,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $802,042,200 | 1,158 |
| Average earning assets | $756,001,000 | 1,143 |
| Average equity | $78,028,000 | 1,232 |
| Average total loans | $469,087,200 | 1,222 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4155% | 3,058 |
| Cost of funding earning assets | 0.1161% | 4,376 |
| Net interest margin | 3.2994% | 2,414 |
| Noninterest income to average assets | 0.2733% | 3,785 |
| Noninterest expense to average assets | 2.3563% | 2,582 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9856% | 2,966 |
| Return on assets (ROA) | 0.9938% | 3,010 |
| Pretax return on assets | 1.0303% | 3,375 |
| Return on Equity (ROE) | 10.0719% | 2,713 |
| Retained earnings to average equity (ytd only) | 5.5110% | 3,039 |
| Net charge-offs to loans | -0.0293% | 4,122 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7150% | 1,630 |
| Assets per employee ($millions) | 7.2314% | 1,718 |
| Cash dividends to net income (ytd only)* | 45.2833% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5763% | 1,403 |
| Loan loss allowance to noncurrent loans | 278.8761% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 2,268 |
| Noncurrent loans to loans | 0.5652% | 1,901 |
| Net loans and leases to total assets | 52.4149% | 3,154 |
| Net loans and leases to deposits | 58.5764% | 3,357 |
| Net loans and leases to core deposits | 59.4568% | 3,514 |
| Total domestic deposits to total assets | 89.4813% | 1,021 |
| Equity capital to assets | 9.6117% | 3,282 |
| Core capital (leverage) ratio | 9.3584% | 3,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $790,714,000 | 1,181 |
| Average earning assets | $744,030,250 | 1,168 |
| Average equity | $78,024,000 | 1,248 |
| Average total loans | $481,997,250 | 1,220 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4825% | 2,931 |
| Cost of funding earning assets | 0.1177% | 4,457 |
| Net interest margin | 3.3648% | 2,258 |
| Noninterest income to average assets | 0.2739% | 3,764 |
| Noninterest expense to average assets | 2.3284% | 2,682 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0709% | 2,646 |
| Return on assets (ROA) | 1.0736% | 2,708 |
| Pretax return on assets | 1.1128% | 3,172 |
| Return on Equity (ROE) | 10.7834% | 2,504 |
| Retained earnings to average equity (ytd only) | 5.3943% | 3,038 |
| Net charge-offs to loans | -0.0084% | 3,612 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6728% | 1,917 |
| Assets per employee ($millions) | 6.9063% | 1,873 |
| Cash dividends to net income (ytd only)* | 49.9762% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 1,933 |
| Loan loss allowance to noncurrent loans | 293.2722% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 2,500 |
| Noncurrent loans to loans | 0.4808% | 2,233 |
| Net loans and leases to total assets | 58.5937% | 2,590 |
| Net loans and leases to deposits | 65.6150% | 2,860 |
| Net loans and leases to core deposits | 66.5901% | 3,062 |
| Total domestic deposits to total assets | 89.2992% | 1,140 |
| Equity capital to assets | 9.8585% | 2,994 |
| Core capital (leverage) ratio | 9.2862% | 3,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $784,312,000 | 1,181 |
| Average earning assets | $737,626,000 | 1,166 |
| Average equity | $78,083,000 | 1,244 |
| Average total loans | $498,890,333 | 1,192 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6110% | 2,605 |
| Cost of funding earning assets | 0.1222% | 4,512 |
| Net interest margin | 3.4888% | 1,852 |
| Noninterest income to average assets | 0.2629% | 3,819 |
| Noninterest expense to average assets | 2.2570% | 2,919 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2460% | 1,990 |
| Return on assets (ROA) | 1.2460% | 2,070 |
| Pretax return on assets | 1.2888% | 2,597 |
| Return on Equity (ROE) | 12.4531% | 1,852 |
| Retained earnings to average equity (ytd only) | 9.0887% | 1,926 |
| Net charge-offs to loans | -0.0094% | 3,648 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6086% | 2,515 |
| Assets per employee ($millions) | 6.9866% | 1,816 |
| Cash dividends to net income (ytd only)* | 27.0170% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 2,311 |
| Loan loss allowance to noncurrent loans | 290.5938% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.2871% | 2,710 |
| Noncurrent loans to loans | 0.4568% | 2,487 |
| Net loans and leases to total assets | 62.0279% | 2,283 |
| Net loans and leases to deposits | 69.7505% | 2,532 |
| Net loans and leases to core deposits | 71.0059% | 2,785 |
| Total domestic deposits to total assets | 88.9283% | 1,377 |
| Equity capital to assets | 9.5947% | 3,112 |
| Core capital (leverage) ratio | 9.5818% | 2,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $775,904,500 | 1,174 |
| Average earning assets | $730,102,500 | 1,170 |
| Average equity | $77,635,000 | 1,244 |
| Average total loans | $510,274,000 | 1,166 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8586% | 3,139 |
| Cost of funding earning assets | 0.1306% | 4,787 |
| Net interest margin | 3.7280% | 1,712 |
| Noninterest income to average assets | 0.2860% | 3,774 |
| Noninterest expense to average assets | 2.4736% | 2,932 |
| Loan and lease loss provision to assets | 0.0844% | 3,326 |
| Net operating income to assets | 1.1748% | 1,635 |
| Return on assets (ROA) | 1.2104% | 1,625 |
| Pretax return on assets | 1.2543% | 2,141 |
| Return on Equity (ROE) | 11.4831% | 1,473 |
| Retained earnings to average equity (ytd only) | 6.9899% | 1,398 |
| Net charge-offs to loans | -0.0208% | 4,436 |
| Credit loss provision to net charge-offs | -582.5243% | 3,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4745% | 2,609 |
| Assets per employee ($millions) | 6.5645% | 1,878 |
| Cash dividends to net income (ytd only)* | 39.1284% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2982% | 2,422 |
| Loan loss allowance to noncurrent loans | 150.1122% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.5957% | 1,772 |
| Noncurrent loans to loans | 0.8648% | 1,633 |
| Net loans and leases to total assets | 67.9873% | 1,831 |
| Net loans and leases to deposits | 77.3500% | 2,141 |
| Net loans and leases to core deposits | 78.8276% | 2,474 |
| Total domestic deposits to total assets | 87.8957% | 1,531 |
| Equity capital to assets | 10.4471% | 2,718 |
| Core capital (leverage) ratio | 9.6536% | 2,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $710,921,400 | 1,161 |
| Average earning assets | $665,445,800 | 1,157 |
| Average equity | $74,936,200 | 1,220 |
| Average total loans | $495,123,400 | 1,148 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8915% | 3,278 |
| Cost of funding earning assets | 0.1337% | 4,850 |
| Net interest margin | 3.7578% | 1,739 |
| Noninterest income to average assets | 0.2893% | 3,753 |
| Noninterest expense to average assets | 2.3990% | 3,136 |
| Loan and lease loss provision to assets | 0.0760% | 3,370 |
| Net operating income to assets | 1.2816% | 1,396 |
| Return on assets (ROA) | 1.2902% | 1,483 |
| Pretax return on assets | 1.3368% | 1,919 |
| Return on Equity (ROE) | 12.2115% | 1,315 |
| Retained earnings to average equity (ytd only) | 7.4053% | 1,532 |
| Net charge-offs to loans | -0.0316% | 4,550 |
| Credit loss provision to net charge-offs | -344.8276% | 3,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0435% | 2,907 |
| Assets per employee ($millions) | 6.6896% | 1,678 |
| Cash dividends to net income (ytd only)* | 39.3578% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 2,543 |
| Loan loss allowance to noncurrent loans | 143.1558% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.6011% | 1,929 |
| Noncurrent loans to loans | 0.8541% | 1,731 |
| Net loans and leases to total assets | 69.5175% | 2,023 |
| Net loans and leases to deposits | 79.2917% | 2,392 |
| Net loans and leases to core deposits | 80.9036% | 2,763 |
| Total domestic deposits to total assets | 87.6732% | 1,360 |
| Equity capital to assets | 10.1203% | 3,125 |
| Core capital (leverage) ratio | 9.4025% | 3,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $701,563,500 | 1,160 |
| Average earning assets | $655,975,500 | 1,151 |
| Average equity | $74,125,000 | 1,218 |
| Average total loans | $490,035,000 | 1,152 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2370% | 2,645 |
| Cost of funding earning assets | 0.1363% | 4,913 |
| Net interest margin | 4.1006% | 1,111 |
| Noninterest income to average assets | 0.3005% | 3,669 |
| Noninterest expense to average assets | 2.5623% | 2,790 |
| Loan and lease loss provision to assets | 0.0585% | 3,569 |
| Net operating income to assets | 1.4572% | 1,007 |
| Return on assets (ROA) | 1.4705% | 1,066 |
| Pretax return on assets | 1.5226% | 1,403 |
| Return on Equity (ROE) | 13.7046% | 939 |
| Retained earnings to average equity (ytd only) | 12.7991% | 379 |
| Net charge-offs to loans | -0.0462% | 4,664 |
| Credit loss provision to net charge-offs | -181.8182% | 3,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0040% | 3,123 |
| Assets per employee ($millions) | 6.9731% | 1,450 |
| Cash dividends to net income (ytd only)* | 6.6070% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 2,466 |
| Loan loss allowance to noncurrent loans | 216.0151% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.3701% | 2,816 |
| Noncurrent loans to loans | 0.5601% | 2,483 |
| Net loans and leases to total assets | 65.2735% | 2,727 |
| Net loans and leases to deposits | 76.3720% | 2,820 |
| Net loans and leases to core deposits | 77.6106% | 3,141 |
| Total domestic deposits to total assets | 85.4678% | 2,222 |
| Equity capital to assets | 9.7832% | 3,387 |
| Core capital (leverage) ratio | 9.6240% | 3,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $683,444,667 | 1,170 |
| Average earning assets | $638,193,333 | 1,157 |
| Average equity | $73,333,000 | 1,222 |
| Average total loans | $476,046,000 | 1,162 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2119% | 3,176 |
| Cost of funding earning assets | 0.1343% | 4,995 |
| Net interest margin | 4.0776% | 1,183 |
| Noninterest income to average assets | 0.3454% | 3,451 |
| Noninterest expense to average assets | 2.7795% | 2,488 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3084% | 1,223 |
| Return on assets (ROA) | 1.3201% | 1,282 |
| Pretax return on assets | 1.3676% | 1,660 |
| Return on Equity (ROE) | 11.6604% | 1,207 |
| Retained earnings to average equity (ytd only) | 9.8019% | 781 |
| Net charge-offs to loans | -0.0917% | 4,799 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1724% | 2,794 |
| Assets per employee ($millions) | 5.9565% | 1,718 |
| Cash dividends to net income (ytd only)* | 15.9386% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 1,980 |
| Loan loss allowance to noncurrent loans | 204.9781% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.4665% | 2,602 |
| Noncurrent loans to loans | 0.6516% | 2,363 |
| Net loans and leases to total assets | 70.6286% | 2,148 |
| Net loans and leases to deposits | 80.6702% | 2,607 |
| Net loans and leases to core deposits | 82.3297% | 2,996 |
| Total domestic deposits to total assets | 87.5523% | 1,303 |
| Equity capital to assets | 11.4810% | 2,451 |
| Core capital (leverage) ratio | 10.9438% | 2,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $631,186,000 | 1,214 |
| Average earning assets | $586,622,500 | 1,215 |
| Average equity | $71,455,500 | 1,244 |
| Average total loans | $453,754,500 | 1,180 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2283% | 3,737 |
| Cost of funding earning assets | 0.1319% | 5,065 |
| Net interest margin | 4.0964% | 1,550 |
| Noninterest income to average assets | 0.3789% | 3,434 |
| Noninterest expense to average assets | 2.7577% | 2,725 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3755% | 1,431 |
| Return on assets (ROA) | 1.3708% | 1,521 |
| Pretax return on assets | 1.4204% | 2,083 |
| Return on Equity (ROE) | 13.1606% | 1,125 |
| Retained earnings to average equity (ytd only) | 6.4114% | 1,659 |
| Net charge-offs to loans | 0.0343% | 2,699 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 59.7171% | 985 |
| Efficiency ratio | 65.8859% | 2,788 |
| Assets per employee ($millions) | 5.6820% | 1,893 |
| Cash dividends to net income (ytd only)* | 51.2829% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 1,805 |
| Loan loss allowance to noncurrent loans | 197.8527% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.4843% | 2,472 |
| Noncurrent loans to loans | 0.6708% | 2,209 |
| Net loans and leases to total assets | 71.2414% | 2,215 |
| Net loans and leases to deposits | 81.0599% | 2,657 |
| Net loans and leases to core deposits | 83.0280% | 3,037 |
| Total domestic deposits to total assets | 87.8873% | 1,182 |
| Equity capital to assets | 11.1575% | 2,851 |
| Core capital (leverage) ratio | 10.5370% | 2,916 |
| Tier 1 risk-based capital ratio | 13.7198% | 3,404 |
| Total risk-based capital ratio | 14.9698% | 3,305 |
| Memoranda: | ||
| Average total assets | $636,876,200 | 1,170 |
| Average earning assets | $591,415,400 | 1,173 |
| Average equity | $66,334,600 | 1,276 |
| Average total loans | $442,512,000 | 1,174 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2306% | 3,855 |
| Cost of funding earning assets | 0.1300% | 5,145 |
| Net interest margin | 4.1005% | 1,606 |
| Noninterest income to average assets | 0.3834% | 3,416 |
| Noninterest expense to average assets | 2.7325% | 2,778 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4043% | 1,456 |
| Return on assets (ROA) | 1.3959% | 1,545 |
| Pretax return on assets | 1.4466% | 2,131 |
| Return on Equity (ROE) | 13.6396% | 1,068 |
| Retained earnings to average equity (ytd only) | 6.6987% | 2,012 |
| Net charge-offs to loans | 0.0003% | 3,453 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 7,001.3308% | 2 |
| Efficiency ratio | 65.2087% | 2,825 |
| Assets per employee ($millions) | 6.0279% | 1,585 |
| Cash dividends to net income (ytd only)* | 50.8882% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3632% | 1,711 |
| Loan loss allowance to noncurrent loans | 176.2342% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.5402% | 2,391 |
| Noncurrent loans to loans | 0.7735% | 2,035 |
| Net loans and leases to total assets | 68.8800% | 2,645 |
| Net loans and leases to deposits | 77.9821% | 3,093 |
| Net loans and leases to core deposits | 79.8767% | 3,397 |
| Total domestic deposits to total assets | 88.3280% | 903 |
| Equity capital to assets | 10.7232% | 3,357 |
| Core capital (leverage) ratio | 10.2993% | 3,312 |
| Tier 1 risk-based capital ratio | 13.4114% | 3,627 |
| Total risk-based capital ratio | 14.6616% | 3,526 |
| Memoranda: | ||
| Average total assets | $639,839,250 | 1,169 |
| Average earning assets | $593,629,750 | 1,162 |
| Average equity | $65,484,000 | 1,289 |
| Average total loans | $440,323,750 | 1,185 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2120% | 3,894 |
| Cost of funding earning assets | 0.1306% | 5,192 |
| Net interest margin | 4.0814% | 1,666 |
| Noninterest income to average assets | 0.3937% | 3,308 |
| Noninterest expense to average assets | 2.7377% | 2,788 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3946% | 1,452 |
| Return on assets (ROA) | 1.3916% | 1,512 |
| Pretax return on assets | 1.4424% | 2,056 |
| Return on Equity (ROE) | 13.8194% | 1,020 |
| Retained earnings to average equity (ytd only) | 5.1231% | 2,710 |
| Net charge-offs to loans | 0.0018% | 3,113 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 1,153.0000% | 60 |
| Efficiency ratio | 65.4005% | 2,906 |
| Assets per employee ($millions) | 5.6549% | 1,821 |
| Cash dividends to net income (ytd only)* | 62.9279% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 1,755 |
| Loan loss allowance to noncurrent loans | 208.1750% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.4655% | 2,670 |
| Noncurrent loans to loans | 0.6565% | 2,314 |
| Net loans and leases to total assets | 69.9315% | 2,542 |
| Net loans and leases to deposits | 79.0502% | 3,057 |
| Net loans and leases to core deposits | 80.9420% | 3,345 |
| Total domestic deposits to total assets | 88.4647% | 888 |
| Equity capital to assets | 10.5365% | 3,485 |
| Core capital (leverage) ratio | 10.2370% | 3,347 |
| Tier 1 risk-based capital ratio | 13.1405% | 3,765 |
| Total risk-based capital ratio | 14.3908% | 3,670 |
| Memoranda: | ||
| Average total assets | $638,123,330 | 1,162 |
| Average earning assets | $592,494,330 | 1,157 |
| Average equity | $64,257,670 | 1,303 |
| Average total loans | $436,962,670 | 1,189 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1479% | 4,012 |
| Cost of funding earning assets | 0.1299% | 5,240 |
| Net interest margin | 4.0180% | 1,800 |
| Noninterest income to average assets | 0.3941% | 3,222 |
| Noninterest expense to average assets | 2.7522% | 2,736 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3228% | 1,618 |
| Return on assets (ROA) | 1.3277% | 1,641 |
| Pretax return on assets | 1.3758% | 2,168 |
| Return on Equity (ROE) | 13.4941% | 1,085 |
| Retained earnings to average equity (ytd only) | 8.9559% | 1,337 |
| Net charge-offs to loans | 0.0019% | 2,699 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 1,097.5000% | 46 |
| Efficiency ratio | 66.7071% | 2,833 |
| Assets per employee ($millions) | 5.7569% | 1,743 |
| Cash dividends to net income (ytd only)* | 33.6312% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 1,617 |
| Loan loss allowance to noncurrent loans | 186.8798% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.5095% | 2,586 |
| Noncurrent loans to loans | 0.7573% | 2,134 |
| Net loans and leases to total assets | 66.3257% | 3,002 |
| Net loans and leases to deposits | 74.4417% | 3,412 |
| Net loans and leases to core deposits | 76.1772% | 3,650 |
| Total domestic deposits to total assets | 89.0975% | 818 |
| Equity capital to assets | 10.0357% | 3,794 |
| Core capital (leverage) ratio | 10.0156% | 3,584 |
| Tier 1 risk-based capital ratio | 13.4940% | 3,604 |
| Total risk-based capital ratio | 14.7447% | 3,516 |
| Memoranda: | ||
| Average total assets | $640,509,500 | 1,165 |
| Average earning assets | $594,425,500 | 1,160 |
| Average equity | $63,020,000 | 1,318 |
| Average total loans | $430,919,500 | 1,211 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0227% | 3,961 |
| Cost of funding earning assets | 0.1297% | 5,226 |
| Net interest margin | 3.8930% | 2,346 |
| Noninterest income to average assets | 0.3687% | 3,628 |
| Noninterest expense to average assets | 2.7363% | 2,910 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2039% | 2,153 |
| Return on assets (ROA) | 1.1926% | 2,204 |
| Pretax return on assets | 1.2358% | 2,754 |
| Return on Equity (ROE) | 13.1104% | 1,301 |
| Retained earnings to average equity (ytd only) | 9.8614% | 643 |
| Net charge-offs to loans | -0.0019% | 4,227 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6604% | 2,439 |
| Assets per employee ($millions) | 5.4380% | 2,017 |
| Cash dividends to net income (ytd only)* | 24.7824% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4347% | 1,508 |
| Loan loss allowance to noncurrent loans | 200.2282% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.4820% | 2,643 |
| Noncurrent loans to loans | 0.7165% | 2,196 |
| Net loans and leases to total assets | 66.3122% | 3,087 |
| Net loans and leases to deposits | 74.9483% | 3,428 |
| Net loans and leases to core deposits | 76.8453% | 3,651 |
| Total domestic deposits to total assets | 88.4774% | 1,079 |
| Equity capital to assets | 9.6397% | 4,015 |
| Core capital (leverage) ratio | 9.4942% | 4,116 |
| Tier 1 risk-based capital ratio | 13.1775% | 3,740 |
| Total risk-based capital ratio | 14.4282% | 3,625 |
| Memoranda: | ||
| Average total assets | $635,774,600 | 1,150 |
| Average earning assets | $590,423,000 | 1,133 |
| Average equity | $57,831,800 | 1,363 |
| Average total loans | $419,111,200 | 1,209 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9162% | 4,174 |
| Cost of funding earning assets | 0.1236% | 5,293 |
| Net interest margin | 3.7926% | 2,674 |
| Noninterest income to average assets | 0.3643% | 3,697 |
| Noninterest expense to average assets | 2.6985% | 2,988 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1538% | 2,427 |
| Return on assets (ROA) | 1.1385% | 2,511 |
| Pretax return on assets | 1.1763% | 3,089 |
| Return on Equity (ROE) | 12.7064% | 1,537 |
| Retained earnings to average equity (ytd only) | 8.3078% | 1,511 |
| Net charge-offs to loans | -0.0013% | 4,033 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3174% | 2,300 |
| Assets per employee ($millions) | 6.2433% | 1,321 |
| Cash dividends to net income (ytd only)* | 34.6168% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4172% | 1,633 |
| Loan loss allowance to noncurrent loans | 210.1712% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.4371% | 2,938 |
| Noncurrent loans to loans | 0.6743% | 2,392 |
| Net loans and leases to total assets | 63.9038% | 3,441 |
| Net loans and leases to deposits | 70.5136% | 3,880 |
| Net loans and leases to core deposits | 72.2058% | 4,070 |
| Total domestic deposits to total assets | 90.6261% | 308 |
| Equity capital to assets | 8.5383% | 4,901 |
| Core capital (leverage) ratio | 9.3388% | 4,355 |
| Tier 1 risk-based capital ratio | 12.6274% | 4,141 |
| Total risk-based capital ratio | 13.8780% | 4,030 |
| Memoranda: | ||
| Average total assets | $635,657,500 | 1,144 |
| Average earning assets | $591,002,000 | 1,136 |
| Average equity | $56,956,750 | 1,383 |
| Average total loans | $416,877,000 | 1,214 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8405% | 4,244 |
| Cost of funding earning assets | 0.1400% | 5,283 |
| Net interest margin | 3.7005% | 2,923 |
| Noninterest income to average assets | 0.3764% | 3,641 |
| Noninterest expense to average assets | 2.7139% | 2,967 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0645% | 2,731 |
| Return on assets (ROA) | 1.0412% | 2,846 |
| Pretax return on assets | 1.0732% | 3,421 |
| Return on Equity (ROE) | 11.4281% | 1,939 |
| Retained earnings to average equity (ytd only) | 8.3577% | 1,470 |
| Net charge-offs to loans | 0.0428% | 2,011 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 38.9545% | 1,321 |
| Efficiency ratio | 71.2102% | 2,127 |
| Assets per employee ($millions) | 5.6338% | 1,770 |
| Cash dividends to net income (ytd only)* | 26.8675% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 1,726 |
| Loan loss allowance to noncurrent loans | 203.1250% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.4759% | 2,852 |
| Noncurrent loans to loans | 0.6928% | 2,375 |
| Net loans and leases to total assets | 67.7258% | 2,909 |
| Net loans and leases to deposits | 77.2554% | 3,231 |
| Net loans and leases to core deposits | 89.0362% | 2,645 |
| Total domestic deposits to total assets | 87.6648% | 1,553 |
| Equity capital to assets | 9.1283% | 4,453 |
| Core capital (leverage) ratio | 9.5625% | 4,041 |
| Tier 1 risk-based capital ratio | 12.5389% | 4,157 |
| Total risk-based capital ratio | 13.7895% | 4,054 |
| Memoranda: | ||
| Average total assets | $624,867,330 | 1,167 |
| Average earning assets | $579,978,330 | 1,159 |
| Average equity | $56,929,670 | 1,379 |
| Average total loans | $411,492,000 | 1,228 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7515% | 4,353 |
| Cost of funding earning assets | 0.1373% | 5,327 |
| Net interest margin | 3.6142% | 3,120 |
| Noninterest income to average assets | 0.3842% | 3,571 |
| Noninterest expense to average assets | 2.6749% | 3,115 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0324% | 2,724 |
| Return on assets (ROA) | 0.9740% | 2,998 |
| Pretax return on assets | 1.0028% | 3,522 |
| Return on Equity (ROE) | 10.7014% | 2,081 |
| Retained earnings to average equity (ytd only) | 8.4922% | 1,664 |
| Net charge-offs to loans | -0.0020% | 3,811 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5607% | 2,257 |
| Assets per employee ($millions) | 5.7923% | 1,687 |
| Cash dividends to net income (ytd only)* | 20.6443% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5210% | 1,387 |
| Loan loss allowance to noncurrent loans | 191.7787% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.6500% | 2,376 |
| Noncurrent loans to loans | 0.7931% | 2,225 |
| Net loans and leases to total assets | 63.4951% | 3,372 |
| Net loans and leases to deposits | 70.3996% | 3,749 |
| Net loans and leases to core deposits | 82.0892% | 3,134 |
| Total domestic deposits to total assets | 90.1923% | 584 |
| Equity capital to assets | 9.0350% | 4,522 |
| Core capital (leverage) ratio | 9.3126% | 4,306 |
| Tier 1 risk-based capital ratio | 12.8922% | 4,007 |
| Total risk-based capital ratio | 14.1438% | 3,900 |
| Memoranda: | ||
| Average total assets | $624,625,500 | 1,177 |
| Average earning assets | $579,610,500 | 1,169 |
| Average equity | $56,852,500 | 1,391 |
| Average total loans | $402,453,500 | 1,255 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6038% | 4,569 |
| Cost of funding earning assets | 0.0977% | 5,504 |
| Net interest margin | 3.5061% | 3,508 |
| Noninterest income to average assets | 0.3298% | 4,113 |
| Noninterest expense to average assets | 2.6537% | 3,274 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9067% | 2,677 |
| Return on assets (ROA) | 0.9075% | 2,695 |
| Pretax return on assets | 0.9297% | 3,813 |
| Return on Equity (ROE) | 10.0275% | 1,875 |
| Retained earnings to average equity (ytd only) | 5.4629% | 1,836 |
| Net charge-offs to loans | -0.2027% | 5,524 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0727% | 1,884 |
| Assets per employee ($millions) | 5.8838% | 1,598 |
| Cash dividends to net income (ytd only)* | 45.5204% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5273% | 1,319 |
| Loan loss allowance to noncurrent loans | 220.5322% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.5849% | 2,605 |
| Noncurrent loans to loans | 0.6925% | 2,482 |
| Net loans and leases to total assets | 63.4031% | 3,436 |
| Net loans and leases to deposits | 70.3933% | 3,840 |
| Net loans and leases to core deposits | 81.1656% | 3,320 |
| Total domestic deposits to total assets | 90.0698% | 548 |
| Equity capital to assets | 9.1690% | 4,559 |
| Core capital (leverage) ratio | 9.0698% | 4,560 |
| Tier 1 risk-based capital ratio | 12.5356% | 4,185 |
| Total risk-based capital ratio | 13.7870% | 4,082 |
| Memoranda: | ||
| Average total assets | $608,812,600 | 1,181 |
| Average earning assets | $564,815,400 | 1,173 |
| Average equity | $55,098,600 | 1,405 |
| Average total loans | $369,080,200 | 1,316 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5537% | 4,676 |
| Cost of funding earning assets | 0.0983% | 5,563 |
| Net interest margin | 3.4554% | 3,657 |
| Noninterest income to average assets | 0.3517% | 4,014 |
| Noninterest expense to average assets | 2.6803% | 3,128 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8627% | 3,213 |
| Return on assets (ROA) | 0.8627% | 3,263 |
| Pretax return on assets | 0.8781% | 4,112 |
| Return on Equity (ROE) | 9.5642% | 2,316 |
| Retained earnings to average equity (ytd only) | 4.1775% | 3,414 |
| Net charge-offs to loans | -0.2604% | 5,587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3235% | 1,689 |
| Assets per employee ($millions) | 5.9620% | 1,522 |
| Cash dividends to net income (ytd only)* | 56.3219% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5800% | 1,284 |
| Loan loss allowance to noncurrent loans | 256.4211% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.3758% | 3,524 |
| Noncurrent loans to loans | 0.6162% | 2,867 |
| Net loans and leases to total assets | 60.0281% | 3,857 |
| Net loans and leases to deposits | 66.4289% | 4,218 |
| Net loans and leases to core deposits | 75.7310% | 3,822 |
| Total domestic deposits to total assets | 90.3645% | 363 |
| Equity capital to assets | 8.9022% | 4,995 |
| Core capital (leverage) ratio | 9.1262% | 4,605 |
| Tier 1 risk-based capital ratio | 12.5965% | 4,262 |
| Total risk-based capital ratio | 13.8486% | 4,166 |
| Memoranda: | ||
| Average total assets | $605,095,500 | 1,193 |
| Average earning assets | $561,541,250 | 1,187 |
| Average equity | $54,577,000 | 1,428 |
| Average total loans | $360,958,750 | 1,352 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4804% | 4,813 |
| Cost of funding earning assets | 0.0963% | 5,611 |
| Net interest margin | 3.3840% | 3,831 |
| Noninterest income to average assets | 0.3362% | 4,143 |
| Noninterest expense to average assets | 2.7561% | 2,902 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6982% | 3,863 |
| Return on assets (ROA) | 0.6982% | 3,924 |
| Pretax return on assets | 0.7149% | 4,513 |
| Return on Equity (ROE) | 7.7051% | 3,193 |
| Retained earnings to average equity (ytd only) | 1.0775% | 4,813 |
| Net charge-offs to loans | -0.0045% | 4,317 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4027% | 1,279 |
| Assets per employee ($millions) | 5.7259% | 1,675 |
| Cash dividends to net income (ytd only)* | 86.0163% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4663% | 1,699 |
| Loan loss allowance to noncurrent loans | 249.0993% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.3567% | 3,694 |
| Noncurrent loans to loans | 0.5886% | 2,965 |
| Net loans and leases to total assets | 59.7096% | 3,870 |
| Net loans and leases to deposits | 66.1407% | 4,215 |
| Net loans and leases to core deposits | 74.6539% | 3,889 |
| Total domestic deposits to total assets | 90.2765% | 432 |
| Equity capital to assets | 9.0129% | 4,885 |
| Core capital (leverage) ratio | 9.1620% | 4,540 |
| Tier 1 risk-based capital ratio | 12.7652% | 4,143 |
| Total risk-based capital ratio | 14.0161% | 4,047 |
| Memoranda: | ||
| Average total assets | $596,135,000 | 1,208 |
| Average earning assets | $552,240,670 | 1,208 |
| Average equity | $54,016,000 | 1,445 |
| Average total loans | $352,793,670 | 1,386 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4057% | 4,914 |
| Cost of funding earning assets | 0.0951% | 5,674 |
| Net interest margin | 3.3106% | 3,971 |
| Noninterest income to average assets | 0.2431% | 4,788 |
| Noninterest expense to average assets | 2.8060% | 2,774 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4835% | 4,657 |
| Return on assets (ROA) | 0.4835% | 4,682 |
| Pretax return on assets | 0.5004% | 4,971 |
| Return on Equity (ROE) | 5.3212% | 4,243 |
| Retained earnings to average equity (ytd only) | -3.7710% | 5,315 |
| Net charge-offs to loans | -0.0046% | 4,161 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8659% | 901 |
| Assets per employee ($millions) | 5.7570% | 1,682 |
| Cash dividends to net income (ytd only)* | 170.8683% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5237% | 1,614 |
| Loan loss allowance to noncurrent loans | 242.5293% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.3711% | 3,717 |
| Noncurrent loans to loans | 0.6283% | 2,942 |
| Net loans and leases to total assets | 58.1711% | 3,957 |
| Net loans and leases to deposits | 64.5118% | 4,280 |
| Net loans and leases to core deposits | 70.5327% | 4,107 |
| Total domestic deposits to total assets | 90.1712% | 589 |
| Equity capital to assets | 8.8848% | 4,920 |
| Core capital (leverage) ratio | 9.2581% | 4,402 |
| Tier 1 risk-based capital ratio | 12.9310% | 4,123 |
| Total risk-based capital ratio | 14.1825% | 4,014 |
| Memoranda: | ||
| Average total assets | $590,731,000 | 1,220 |
| Average earning assets | $546,615,000 | 1,218 |
| Average equity | $53,672,500 | 1,447 |
| Average total loans | $345,292,500 | 1,414 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5034% | 4,767 |
| Cost of funding earning assets | 0.0994% | 5,706 |
| Net interest margin | 3.4040% | 3,814 |
| Noninterest income to average assets | 0.6317% | 2,495 |
| Noninterest expense to average assets | 2.8268% | 2,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9478% | 2,598 |
| Return on assets (ROA) | 0.9526% | 2,677 |
| Pretax return on assets | 0.9564% | 3,631 |
| Return on Equity (ROE) | 9.8853% | 2,007 |
| Retained earnings to average equity (ytd only) | 8.1260% | 812 |
| Net charge-offs to loans | -0.0074% | 4,873 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8158% | 2,162 |
| Assets per employee ($millions) | 5.3957% | 1,960 |
| Cash dividends to net income (ytd only)* | 17.7969% | 3,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5984% | 1,383 |
| Loan loss allowance to noncurrent loans | 227.8883% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.4055% | 3,651 |
| Noncurrent loans to loans | 0.7014% | 2,789 |
| Net loans and leases to total assets | 56.8912% | 4,178 |
| Net loans and leases to deposits | 63.1808% | 4,462 |
| Net loans and leases to core deposits | 69.8964% | 4,252 |
| Total domestic deposits to total assets | 90.0452% | 615 |
| Equity capital to assets | 9.3243% | 4,449 |
| Core capital (leverage) ratio | 9.1873% | 4,493 |
| Tier 1 risk-based capital ratio | 13.6478% | 3,676 |
| Total risk-based capital ratio | 14.9000% | 3,579 |
| Memoranda: | ||
| Average total assets | $560,355,400 | 1,244 |
| Average earning assets | $517,983,200 | 1,242 |
| Average equity | $53,999,400 | 1,424 |
| Average total loans | $325,520,000 | 1,431 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4789% | 4,871 |
| Cost of funding earning assets | 0.0974% | 5,781 |
| Net interest margin | 3.3815% | 3,914 |
| Noninterest income to average assets | 0.6508% | 2,418 |
| Noninterest expense to average assets | 2.8684% | 2,746 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9114% | 2,850 |
| Return on assets (ROA) | 0.9191% | 2,935 |
| Pretax return on assets | 0.9191% | 3,912 |
| Return on Equity (ROE) | 9.4566% | 2,290 |
| Retained earnings to average equity (ytd only) | 7.9233% | 1,204 |
| Net charge-offs to loans | -0.0045% | 4,599 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8886% | 1,990 |
| Assets per employee ($millions) | 5.4349% | 1,919 |
| Cash dividends to net income (ytd only)* | 16.2135% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 1,464 |
| Loan loss allowance to noncurrent loans | 168.2430% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.7237% | 2,754 |
| Noncurrent loans to loans | 0.9517% | 2,342 |
| Net loans and leases to total assets | 56.2441% | 4,282 |
| Net loans and leases to deposits | 62.6470% | 4,586 |
| Net loans and leases to core deposits | 67.8853% | 4,476 |
| Total domestic deposits to total assets | 89.7793% | 564 |
| Equity capital to assets | 9.6147% | 4,541 |
| Core capital (leverage) ratio | 9.5141% | 4,161 |
| Tier 1 risk-based capital ratio | 13.4307% | 3,900 |
| Total risk-based capital ratio | 14.6829% | 3,810 |
| Memoranda: | ||
| Average total assets | $554,761,000 | 1,255 |
| Average earning assets | $513,327,750 | 1,251 |
| Average equity | $53,915,250 | 1,430 |
| Average total loans | $322,672,750 | 1,442 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5273% | 4,795 |
| Cost of funding earning assets | 0.0984% | 5,859 |
| Net interest margin | 3.4289% | 3,762 |
| Noninterest income to average assets | 0.3864% | 3,979 |
| Noninterest expense to average assets | 2.9105% | 2,639 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6514% | 4,036 |
| Return on assets (ROA) | 0.6632% | 4,123 |
| Pretax return on assets | 0.6632% | 4,735 |
| Return on Equity (ROE) | 6.7979% | 3,646 |
| Retained earnings to average equity (ytd only) | 5.6674% | 2,324 |
| Net charge-offs to loans | -0.0031% | 4,439 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7112% | 1,305 |
| Assets per employee ($millions) | 5.1014% | 2,198 |
| Cash dividends to net income (ytd only)* | 16.6297% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6594% | 1,371 |
| Loan loss allowance to noncurrent loans | 162.0658% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.9954% | 2,148 |
| Noncurrent loans to loans | 1.0239% | 2,242 |
| Net loans and leases to total assets | 57.7180% | 4,144 |
| Net loans and leases to deposits | 64.5896% | 4,448 |
| Net loans and leases to core deposits | 70.3352% | 4,298 |
| Total domestic deposits to total assets | 89.3611% | 738 |
| Equity capital to assets | 10.0225% | 4,200 |
| Core capital (leverage) ratio | 9.4958% | 4,212 |
| Tier 1 risk-based capital ratio | 13.4303% | 3,948 |
| Total risk-based capital ratio | 14.6831% | 3,853 |
| Memoranda: | ||
| Average total assets | $544,026,330 | 1,278 |
| Average earning assets | $503,836,000 | 1,276 |
| Average equity | $53,075,330 | 1,457 |
| Average total loans | $318,395,330 | 1,460 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4256% | 5,063 |
| Cost of funding earning assets | 0.1049% | 5,893 |
| Net interest margin | 3.3207% | 4,139 |
| Noninterest income to average assets | 0.3877% | 3,919 |
| Noninterest expense to average assets | 2.9421% | 2,565 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5365% | 4,478 |
| Return on assets (ROA) | 0.5602% | 4,473 |
| Pretax return on assets | 0.5602% | 4,924 |
| Return on Equity (ROE) | 5.8227% | 4,069 |
| Retained earnings to average equity (ytd only) | 5.8227% | 2,457 |
| Net charge-offs to loans | -0.0633% | 5,446 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5777% | 1,104 |
| Assets per employee ($millions) | 5.1123% | 2,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6540% | 1,472 |
| Loan loss allowance to noncurrent loans | 126.9890% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 1.1762% | 1,873 |
| Noncurrent loans to loans | 1.3025% | 1,847 |
| Net loans and leases to total assets | 58.8153% | 3,947 |
| Net loans and leases to deposits | 65.5959% | 4,294 |
| Net loans and leases to core deposits | 72.6321% | 4,016 |
| Total domestic deposits to total assets | 89.6630% | 754 |
| Equity capital to assets | 9.7034% | 4,443 |
| Core capital (leverage) ratio | 9.4466% | 4,283 |
| Tier 1 risk-based capital ratio | 13.4022% | 4,045 |
| Total risk-based capital ratio | 14.6554% | 3,959 |
| Memoranda: | ||
| Average total assets | $540,564,000 | 1,286 |
| Average earning assets | $503,149,500 | 1,279 |
| Average equity | $52,003,500 | 1,481 |
| Average total loans | $315,911,000 | 1,461 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6633% | 4,479 |
| Cost of funding earning assets | 0.1374% | 5,773 |
| Net interest margin | 3.5259% | 3,427 |
| Noninterest income to average assets | 0.4366% | 3,773 |
| Noninterest expense to average assets | 3.0784% | 2,301 |
| Loan and lease loss provision to assets | -0.0097% | 5,624 |
| Net operating income to assets | 0.6391% | 4,092 |
| Return on assets (ROA) | 0.6391% | 4,177 |
| Pretax return on assets | 0.6391% | 4,707 |
| Return on Equity (ROE) | 6.5319% | 3,762 |
| Retained earnings to average equity (ytd only) | 2.0155% | 4,580 |
| Net charge-offs to loans | 0.0642% | 2,940 |
| Credit loss provision to net charge-offs | -25.3807% | 5,004 |
| Earnings coverage of net charge-offs (x) | 16.4112% | 2,132 |
| Efficiency ratio | 83.0262% | 1,273 |
| Assets per employee ($millions) | 4.9001% | 2,472 |
| Cash dividends to net income (ytd only)* | 69.1441% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7595% | 1,216 |
| Loan loss allowance to noncurrent loans | 138.7063% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 1.1376% | 1,927 |
| Noncurrent loans to loans | 1.2685% | 1,858 |
| Net loans and leases to total assets | 56.0409% | 4,295 |
| Net loans and leases to deposits | 62.4178% | 4,603 |
| Net loans and leases to core deposits | 69.6557% | 4,316 |
| Total domestic deposits to total assets | 89.7834% | 724 |
| Equity capital to assets | 9.5351% | 4,516 |
| Core capital (leverage) ratio | 9.4500% | 4,249 |
| Tier 1 risk-based capital ratio | 14.0449% | 3,694 |
| Total risk-based capital ratio | 15.2991% | 3,611 |
| Memoranda: | ||
| Average total assets | $513,705,000 | 1,306 |
| Average earning assets | $476,590,000 | 1,297 |
| Average equity | $50,261,200 | 1,481 |
| Average total loans | $306,639,600 | 1,445 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6927% | 4,445 |
| Cost of funding earning assets | 0.1485% | 5,789 |
| Net interest margin | 3.5442% | 3,367 |
| Noninterest income to average assets | 0.4286% | 3,876 |
| Noninterest expense to average assets | 3.0331% | 2,424 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6803% | 3,992 |
| Return on assets (ROA) | 0.6803% | 4,106 |
| Pretax return on assets | 0.6803% | 4,749 |
| Return on Equity (ROE) | 6.9068% | 3,679 |
| Retained earnings to average equity (ytd only) | 1.8099% | 4,975 |
| Net charge-offs to loans | -0.0534% | 5,566 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6802% | 1,441 |
| Assets per employee ($millions) | 4.8580% | 2,474 |
| Cash dividends to net income (ytd only)* | 73.7959% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8609% | 1,152 |
| Loan loss allowance to noncurrent loans | 131.5657% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 1.2902% | 1,815 |
| Noncurrent loans to loans | 1.4144% | 1,794 |
| Net loans and leases to total assets | 57.6075% | 4,188 |
| Net loans and leases to deposits | 64.2021% | 4,540 |
| Net loans and leases to core deposits | 71.0874% | 4,270 |
| Total domestic deposits to total assets | 89.7284% | 681 |
| Equity capital to assets | 9.6710% | 4,546 |
| Core capital (leverage) ratio | 9.7938% | 3,909 |
| Tier 1 risk-based capital ratio | 14.0043% | 3,844 |
| Total risk-based capital ratio | 15.2596% | 3,786 |
| Memoranda: | ||
| Average total assets | $508,603,250 | 1,324 |
| Average earning assets | $471,373,250 | 1,317 |
| Average equity | $50,094,500 | 1,492 |
| Average total loans | $307,129,000 | 1,449 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7342% | 4,301 |
| Cost of funding earning assets | 0.1712% | 5,685 |
| Net interest margin | 3.5630% | 3,235 |
| Noninterest income to average assets | 0.4511% | 3,699 |
| Noninterest expense to average assets | 3.0589% | 2,368 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6915% | 3,932 |
| Return on assets (ROA) | 0.6915% | 4,041 |
| Pretax return on assets | 0.6915% | 4,677 |
| Return on Equity (ROE) | 6.9768% | 3,622 |
| Retained earnings to average equity (ytd only) | 2.5662% | 4,422 |
| Net charge-offs to loans | -0.0156% | 5,078 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5619% | 1,547 |
| Assets per employee ($millions) | 4.7109% | 2,660 |
| Cash dividends to net income (ytd only)* | 63.2184% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8547% | 1,257 |
| Loan loss allowance to noncurrent loans | 162.3523% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 1.1669% | 2,175 |
| Noncurrent loans to loans | 1.1424% | 2,366 |
| Net loans and leases to total assets | 59.1237% | 3,958 |
| Net loans and leases to deposits | 66.0496% | 4,334 |
| Net loans and leases to core deposits | 75.9295% | 3,780 |
| Total domestic deposits to total assets | 89.5142% | 894 |
| Equity capital to assets | 9.7766% | 4,305 |
| Core capital (leverage) ratio | 9.7449% | 3,946 |
| Tier 1 risk-based capital ratio | 14.0440% | 3,901 |
| Total risk-based capital ratio | 15.2991% | 3,839 |
| Memoranda: | ||
| Average total assets | $503,251,330 | 1,348 |
| Average earning assets | $466,010,670 | 1,340 |
| Average equity | $49,879,330 | 1,504 |
| Average total loans | $306,847,330 | 1,446 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7739% | 4,115 |
| Cost of funding earning assets | 0.1711% | 5,759 |
| Net interest margin | 3.6028% | 2,988 |
| Noninterest income to average assets | 0.4550% | 3,603 |
| Noninterest expense to average assets | 2.9592% | 2,711 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8289% | 3,122 |
| Return on assets (ROA) | 0.8289% | 3,247 |
| Pretax return on assets | 0.8289% | 4,131 |
| Return on Equity (ROE) | 8.3063% | 2,807 |
| Retained earnings to average equity (ytd only) | 8.3063% | 1,454 |
| Net charge-offs to loans | 0.0571% | 2,189 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 23.6818% | 1,320 |
| Efficiency ratio | 78.1184% | 2,170 |
| Assets per employee ($millions) | 4.8367% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8328% | 1,427 |
| Loan loss allowance to noncurrent loans | 172.9024% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 1.0881% | 2,447 |
| Noncurrent loans to loans | 1.0600% | 2,644 |
| Net loans and leases to total assets | 57.5849% | 4,010 |
| Net loans and leases to deposits | 66.4975% | 4,108 |
| Net loans and leases to core deposits | 71.7202% | 3,996 |
| Total domestic deposits to total assets | 86.5970% | 2,608 |
| Equity capital to assets | 9.8604% | 4,312 |
| Core capital (leverage) ratio | 9.9681% | 3,643 |
| Tier 1 risk-based capital ratio | 14.3374% | 3,811 |
| Total risk-based capital ratio | 15.5925% | 3,729 |
| Memoranda: | ||
| Average total assets | $502,842,000 | 1,351 |
| Average earning assets | $465,189,000 | 1,349 |
| Average equity | $50,178,500 | 1,497 |
| Average total loans | $308,442,500 | 1,443 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8924% | 4,144 |
| Cost of funding earning assets | 0.1902% | 5,831 |
| Net interest margin | 3.7022% | 3,001 |
| Noninterest income to average assets | 0.4740% | 3,684 |
| Noninterest expense to average assets | 3.0932% | 2,537 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7869% | 3,438 |
| Return on assets (ROA) | 0.7916% | 3,512 |
| Pretax return on assets | 0.7916% | 4,291 |
| Return on Equity (ROE) | 8.4603% | 2,869 |
| Retained earnings to average equity (ytd only) | 3.3837% | 3,805 |
| Net charge-offs to loans | 0.2141% | 1,952 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.8967% | 3,328 |
| Efficiency ratio | 79.7188% | 1,977 |
| Assets per employee ($millions) | 4.6491% | 2,799 |
| Cash dividends to net income (ytd only)* | 60.0051% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7899% | 1,559 |
| Loan loss allowance to noncurrent loans | 169.4260% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 1.3010% | 2,162 |
| Noncurrent loans to loans | 1.0565% | 2,710 |
| Net loans and leases to total assets | 63.0321% | 3,354 |
| Net loans and leases to deposits | 73.2790% | 3,519 |
| Net loans and leases to core deposits | 77.4905% | 3,567 |
| Total domestic deposits to total assets | 86.0166% | 2,828 |
| Equity capital to assets | 10.1047% | 3,980 |
| Core capital (leverage) ratio | 9.8322% | 3,794 |
| Tier 1 risk-based capital ratio | 13.9123% | 4,158 |
| Total risk-based capital ratio | 15.1672% | 4,092 |
| Memoranda: | ||
| Average total assets | $493,050,600 | 1,350 |
| Average earning assets | $453,624,800 | 1,353 |
| Average equity | $46,133,200 | 1,556 |
| Average total loans | $307,281,600 | 1,396 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8857% | 4,224 |
| Cost of funding earning assets | 0.1918% | 5,896 |
| Net interest margin | 3.6939% | 3,045 |
| Noninterest income to average assets | 0.4918% | 3,602 |
| Noninterest expense to average assets | 3.1321% | 2,377 |
| Loan and lease loss provision to assets | 0.0405% | 3,600 |
| Net operating income to assets | 0.7175% | 3,851 |
| Return on assets (ROA) | 0.7237% | 3,924 |
| Pretax return on assets | 0.7237% | 4,615 |
| Return on Equity (ROE) | 7.8907% | 3,268 |
| Retained earnings to average equity (ytd only) | 2.2969% | 4,911 |
| Net charge-offs to loans | 0.2873% | 1,369 |
| Credit loss provision to net charge-offs | 22.7618% | 3,553 |
| Earnings coverage of net charge-offs (x) | 4.2641% | 3,496 |
| Efficiency ratio | 80.5145% | 1,838 |
| Assets per employee ($millions) | 4.6809% | 2,694 |
| Cash dividends to net income (ytd only)* | 70.8910% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8303% | 1,632 |
| Loan loss allowance to noncurrent loans | 109.1995% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 1.5304% | 2,008 |
| Noncurrent loans to loans | 1.6761% | 1,948 |
| Net loans and leases to total assets | 62.8249% | 3,370 |
| Net loans and leases to deposits | 72.4964% | 3,633 |
| Net loans and leases to core deposits | 78.1522% | 3,523 |
| Total domestic deposits to total assets | 86.6594% | 2,495 |
| Equity capital to assets | 9.6452% | 4,613 |
| Core capital (leverage) ratio | 9.7612% | 3,978 |
| Tier 1 risk-based capital ratio | 13.7138% | 4,408 |
| Total risk-based capital ratio | 14.9638% | 4,341 |
| Memoranda: | ||
| Average total assets | $494,273,500 | 1,357 |
| Average earning assets | $454,720,750 | 1,361 |
| Average equity | $45,334,750 | 1,589 |
| Average total loans | $305,775,750 | 1,411 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8568% | 4,305 |
| Cost of funding earning assets | 0.1955% | 5,948 |
| Net interest margin | 3.6614% | 3,103 |
| Noninterest income to average assets | 0.5061% | 3,437 |
| Noninterest expense to average assets | 3.1018% | 2,492 |
| Loan and lease loss provision to assets | 0.1212% | 2,024 |
| Net operating income to assets | 0.6422% | 4,141 |
| Return on assets (ROA) | 0.6414% | 4,245 |
| Pretax return on assets | 0.6414% | 4,811 |
| Return on Equity (ROE) | 7.1140% | 3,568 |
| Retained earnings to average equity (ytd only) | 0.6093% | 5,492 |
| Net charge-offs to loans | 0.5118% | 794 |
| Credit loss provision to net charge-offs | 38.7097% | 2,943 |
| Earnings coverage of net charge-offs (x) | 2.4387% | 3,548 |
| Efficiency ratio | 80.2508% | 1,986 |
| Assets per employee ($millions) | 4.5093% | 2,905 |
| Cash dividends to net income (ytd only)* | 91.4358% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9166% | 1,541 |
| Loan loss allowance to noncurrent loans | 54.8329% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 2.8246% | 924 |
| Noncurrent loans to loans | 3.4953% | 761 |
| Net loans and leases to total assets | 60.3072% | 3,671 |
| Net loans and leases to deposits | 69.4440% | 3,891 |
| Net loans and leases to core deposits | 75.5419% | 3,672 |
| Total domestic deposits to total assets | 86.8430% | 2,553 |
| Equity capital to assets | 9.4507% | 4,790 |
| Core capital (leverage) ratio | 9.6487% | 4,112 |
| Tier 1 risk-based capital ratio | 13.8294% | 4,370 |
| Total risk-based capital ratio | 15.0859% | 4,314 |
| Memoranda: | ||
| Average total assets | $495,198,330 | 1,355 |
| Average earning assets | $454,312,330 | 1,352 |
| Average equity | $44,644,330 | 1,604 |
| Average total loans | $302,854,000 | 1,419 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8295% | 4,362 |
| Cost of funding earning assets | 0.1989% | 6,008 |
| Net interest margin | 3.6306% | 3,136 |
| Noninterest income to average assets | 0.4474% | 3,810 |
| Noninterest expense to average assets | 3.1345% | 2,425 |
| Loan and lease loss provision to assets | 0.1207% | 1,984 |
| Net operating income to assets | 0.5263% | 4,569 |
| Return on assets (ROA) | 0.5263% | 4,636 |
| Pretax return on assets | 0.5263% | 5,092 |
| Return on Equity (ROE) | 5.9807% | 4,035 |
| Retained earnings to average equity (ytd only) | 4.1334% | 3,651 |
| Net charge-offs to loans | 1.0238% | 326 |
| Credit loss provision to net charge-offs | 19.3299% | 2,512 |
| Earnings coverage of net charge-offs (x) | 1.0361% | 3,203 |
| Efficiency ratio | 82.8900% | 1,813 |
| Assets per employee ($millions) | 4.2372% | 3,458 |
| Cash dividends to net income (ytd only)* | 30.8869% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8619% | 1,864 |
| Loan loss allowance to noncurrent loans | 51.4972% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 3.0396% | 934 |
| Noncurrent loans to loans | 3.6156% | 786 |
| Net loans and leases to total assets | 59.4654% | 3,642 |
| Net loans and leases to deposits | 67.9576% | 3,859 |
| Net loans and leases to core deposits | 75.5631% | 3,457 |
| Total domestic deposits to total assets | 87.5037% | 2,507 |
| Equity capital to assets | 8.8959% | 5,230 |
| Core capital (leverage) ratio | 9.7361% | 3,943 |
| Tier 1 risk-based capital ratio | 13.8534% | 4,428 |
| Total risk-based capital ratio | 15.1090% | 4,378 |
| Memoranda: | ||
| Average total assets | $497,042,500 | 1,363 |
| Average earning assets | $456,451,500 | 1,351 |
| Average equity | $43,741,000 | 1,622 |
| Average total loans | $303,177,000 | 1,425 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0626% | 3,874 |
| Cost of funding earning assets | 0.2336% | 6,067 |
| Net interest margin | 3.8290% | 2,538 |
| Noninterest income to average assets | 0.5345% | 3,523 |
| Noninterest expense to average assets | 3.1050% | 2,717 |
| Loan and lease loss provision to assets | 0.1528% | 2,368 |
| Net operating income to assets | 0.7866% | 3,363 |
| Return on assets (ROA) | 0.7848% | 3,476 |
| Pretax return on assets | 0.7868% | 4,199 |
| Return on Equity (ROE) | 8.8553% | 2,617 |
| Retained earnings to average equity (ytd only) | 6.3262% | 1,790 |
| Net charge-offs to loans | 0.2246% | 2,667 |
| Credit loss provision to net charge-offs | 108.2621% | 2,219 |
| Earnings coverage of net charge-offs (x) | 6.6709% | 3,007 |
| Efficiency ratio | 76.7362% | 2,669 |
| Assets per employee ($millions) | 3.9213% | 4,023 |
| Cash dividends to net income (ytd only)* | 28.5605% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0657% | 1,405 |
| Loan loss allowance to noncurrent loans | 55.1333% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 3.1676% | 972 |
| Noncurrent loans to loans | 3.7467% | 795 |
| Net loans and leases to total assets | 60.1352% | 3,690 |
| Net loans and leases to deposits | 68.6178% | 3,962 |
| Net loans and leases to core deposits | 76.8911% | 3,506 |
| Total domestic deposits to total assets | 87.6379% | 2,401 |
| Equity capital to assets | 8.7035% | 5,361 |
| Core capital (leverage) ratio | 9.5656% | 4,161 |
| Tier 1 risk-based capital ratio | 13.7553% | 4,475 |
| Total risk-based capital ratio | 15.0129% | 4,415 |
| Memoranda: | ||
| Average total assets | $497,482,200 | 1,337 |
| Average earning assets | $456,279,600 | 1,331 |
| Average equity | $44,086,600 | 1,589 |
| Average total loans | $312,548,200 | 1,355 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0730% | 3,859 |
| Cost of funding earning assets | 0.2412% | 6,150 |
| Net interest margin | 3.8318% | 2,534 |
| Noninterest income to average assets | 0.5172% | 3,694 |
| Noninterest expense to average assets | 3.0274% | 2,894 |
| Loan and lease loss provision to assets | 0.2354% | 1,534 |
| Net operating income to assets | 0.7631% | 3,541 |
| Return on assets (ROA) | 0.7607% | 3,685 |
| Pretax return on assets | 0.7633% | 4,442 |
| Return on Equity (ROE) | 8.5455% | 2,864 |
| Retained earnings to average equity (ytd only) | 6.1559% | 2,314 |
| Net charge-offs to loans | 0.2803% | 2,145 |
| Credit loss provision to net charge-offs | 132.9305% | 1,776 |
| Earnings coverage of net charge-offs (x) | 5.6526% | 3,138 |
| Efficiency ratio | 75.1478% | 2,882 |
| Assets per employee ($millions) | 4.2564% | 3,316 |
| Cash dividends to net income (ytd only)* | 27.9633% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0770% | 1,552 |
| Loan loss allowance to noncurrent loans | 53.1113% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 3.3809% | 1,022 |
| Noncurrent loans to loans | 3.9106% | 909 |
| Net loans and leases to total assets | 60.3301% | 3,646 |
| Net loans and leases to deposits | 68.6113% | 3,982 |
| Net loans and leases to core deposits | 76.5868% | 3,555 |
| Total domestic deposits to total assets | 87.9303% | 2,176 |
| Equity capital to assets | 8.4933% | 5,742 |
| Core capital (leverage) ratio | 9.5071% | 4,397 |
| Tier 1 risk-based capital ratio | 13.3272% | 4,887 |
| Total risk-based capital ratio | 14.5851% | 4,820 |
| Memoranda: | ||
| Average total assets | $498,330,250 | 1,344 |
| Average earning assets | $456,659,500 | 1,336 |
| Average equity | $44,357,500 | 1,591 |
| Average total loans | $314,838,000 | 1,351 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0767% | 3,825 |
| Cost of funding earning assets | 0.2548% | 6,140 |
| Net interest margin | 3.8219% | 2,470 |
| Noninterest income to average assets | 0.4153% | 4,411 |
| Noninterest expense to average assets | 3.0333% | 2,895 |
| Loan and lease loss provision to assets | 0.2133% | 1,777 |
| Net operating income to assets | 0.6651% | 3,997 |
| Return on assets (ROA) | 0.6627% | 4,156 |
| Pretax return on assets | 0.6668% | 4,792 |
| Return on Equity (ROE) | 7.3324% | 3,426 |
| Retained earnings to average equity (ytd only) | 4.8838% | 3,128 |
| Net charge-offs to loans | 0.2975% | 1,997 |
| Credit loss provision to net charge-offs | 112.5265% | 1,968 |
| Earnings coverage of net charge-offs (x) | 4.6561% | 3,077 |
| Efficiency ratio | 77.4638% | 2,549 |
| Assets per employee ($millions) | 4.0994% | 3,582 |
| Cash dividends to net income (ytd only)* | 33.3940% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9815% | 1,893 |
| Loan loss allowance to noncurrent loans | 44.7395% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 3.6346% | 1,033 |
| Noncurrent loans to loans | 4.4289% | 796 |
| Net loans and leases to total assets | 62.5081% | 3,196 |
| Net loans and leases to deposits | 73.1186% | 3,277 |
| Net loans and leases to core deposits | 80.3033% | 2,991 |
| Total domestic deposits to total assets | 85.4886% | 3,648 |
| Equity capital to assets | 8.7004% | 5,548 |
| Core capital (leverage) ratio | 9.3738% | 4,425 |
| Tier 1 risk-based capital ratio | 12.8867% | 5,234 |
| Total risk-based capital ratio | 14.1438% | 5,162 |
| Memoranda: | ||
| Average total assets | $497,021,330 | 1,344 |
| Average earning assets | $455,219,000 | 1,335 |
| Average equity | $44,924,000 | 1,580 |
| Average total loans | $316,637,670 | 1,339 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0258% | 4,010 |
| Cost of funding earning assets | 0.2711% | 6,152 |
| Net interest margin | 3.7547% | 2,640 |
| Noninterest income to average assets | 0.3964% | 4,484 |
| Noninterest expense to average assets | 2.8952% | 3,362 |
| Loan and lease loss provision to assets | 0.2412% | 1,503 |
| Net operating income to assets | 0.7147% | 3,623 |
| Return on assets (ROA) | 0.7099% | 3,778 |
| Pretax return on assets | 0.7180% | 4,499 |
| Return on Equity (ROE) | 7.7105% | 3,113 |
| Retained earnings to average equity (ytd only) | 5.5275% | 2,940 |
| Net charge-offs to loans | 0.1641% | 2,416 |
| Credit loss provision to net charge-offs | 230.7692% | 984 |
| Earnings coverage of net charge-offs (x) | 9.2231% | 1,868 |
| Efficiency ratio | 75.0208% | 3,096 |
| Assets per employee ($millions) | 4.0810% | 3,776 |
| Cash dividends to net income (ytd only)* | 28.3126% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0098% | 2,017 |
| Loan loss allowance to noncurrent loans | 43.1217% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 3.5567% | 1,185 |
| Noncurrent loans to loans | 4.6609% | 868 |
| Net loans and leases to total assets | 62.9817% | 2,885 |
| Net loans and leases to deposits | 72.2863% | 3,143 |
| Net loans and leases to core deposits | 81.4776% | 2,637 |
| Total domestic deposits to total assets | 87.1282% | 2,887 |
| Equity capital to assets | 9.2546% | 5,188 |
| Core capital (leverage) ratio | 9.1176% | 4,696 |
| Tier 1 risk-based capital ratio | 12.9897% | 5,225 |
| Total risk-based capital ratio | 14.2478% | 5,170 |
| Memoranda: | ||
| Average total assets | $497,516,000 | 1,356 |
| Average earning assets | $458,841,500 | 1,337 |
| Average equity | $45,807,500 | 1,566 |
| Average total loans | $316,792,500 | 1,342 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6032% | 2,985 |
| Cost of funding earning assets | 0.3193% | 6,358 |
| Net interest margin | 4.2839% | 1,437 |
| Noninterest income to average assets | 0.4301% | 4,380 |
| Noninterest expense to average assets | 3.3813% | 2,101 |
| Loan and lease loss provision to assets | 1.0778% | 357 |
| Net operating income to assets | -0.1021% | 6,287 |
| Return on assets (ROA) | 0.1582% | 6,034 |
| Pretax return on assets | 0.1641% | 6,044 |
| Return on Equity (ROE) | 1.6093% | 6,001 |
| Retained earnings to average equity (ytd only) | 0.4736% | 5,614 |
| Net charge-offs to loans | 1.0367% | 1,037 |
| Credit loss provision to net charge-offs | 150.9440% | 1,805 |
| Earnings coverage of net charge-offs (x) | 1.3596% | 4,773 |
| Efficiency ratio | 77.3788% | 2,536 |
| Assets per employee ($millions) | 4.1424% | 3,665 |
| Cash dividends to net income (ytd only)* | 70.5726% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9636% | 2,120 |
| Loan loss allowance to noncurrent loans | 38.9328% | 5,679 |
| Noncurrent assets plus other real estate owned to assets | 3.5695% | 1,259 |
| Noncurrent loans to loans | 5.0437% | 785 |
| Net loans and leases to total assets | 61.8463% | 3,274 |
| Net loans and leases to deposits | 70.9190% | 3,571 |
| Net loans and leases to core deposits | 76.2742% | 3,489 |
| Total domestic deposits to total assets | 87.2069% | 2,699 |
| Equity capital to assets | 9.1606% | 5,324 |
| Core capital (leverage) ratio | 9.1022% | 4,737 |
| Tier 1 risk-based capital ratio | 12.9383% | 5,153 |
| Total risk-based capital ratio | 14.1958% | 5,089 |
| Memoranda: | ||
| Average total assets | $474,764,800 | 1,396 |
| Average earning assets | $434,655,000 | 1,386 |
| Average equity | $46,666,600 | 1,495 |
| Average total loans | $326,994,400 | 1,288 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7381% | 2,630 |
| Cost of funding earning assets | 0.3316% | 6,457 |
| Net interest margin | 4.4065% | 1,188 |
| Noninterest income to average assets | 0.4443% | 4,331 |
| Noninterest expense to average assets | 3.3256% | 2,204 |
| Loan and lease loss provision to assets | 1.1868% | 307 |
| Net operating income to assets | -0.0395% | 6,330 |
| Return on assets (ROA) | 0.0339% | 6,366 |
| Pretax return on assets | 0.0390% | 6,354 |
| Return on Equity (ROE) | 0.3386% | 6,365 |
| Retained earnings to average equity (ytd only) | -0.8423% | 6,250 |
| Net charge-offs to loans | 1.2917% | 732 |
| Credit loss provision to net charge-offs | 130.4634% | 2,209 |
| Earnings coverage of net charge-offs (x) | 1.2549% | 4,655 |
| Efficiency ratio | 74.0325% | 2,977 |
| Assets per employee ($millions) | 3.8134% | 4,274 |
| Cash dividends to net income (ytd only)* | 348.7457% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7162% | 3,095 |
| Loan loss allowance to noncurrent loans | 30.7269% | 6,099 |
| Noncurrent assets plus other real estate owned to assets | 4.2124% | 1,128 |
| Noncurrent loans to loans | 5.5853% | 760 |
| Net loans and leases to total assets | 67.9403% | 2,310 |
| Net loans and leases to deposits | 78.9852% | 2,533 |
| Net loans and leases to core deposits | 88.6785% | 2,140 |
| Total domestic deposits to total assets | 86.0166% | 3,250 |
| Equity capital to assets | 10.1478% | 4,278 |
| Core capital (leverage) ratio | 9.6866% | 3,985 |
| Tier 1 risk-based capital ratio | 12.7346% | 5,455 |
| Total risk-based capital ratio | 13.9896% | 5,410 |
| Memoranda: | ||
| Average total assets | $468,149,750 | 1,429 |
| Average earning assets | $427,391,750 | 1,426 |
| Average equity | $46,854,500 | 1,506 |
| Average total loans | $329,693,500 | 1,289 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7738% | 2,613 |
| Cost of funding earning assets | 0.3453% | 6,528 |
| Net interest margin | 4.4285% | 1,131 |
| Noninterest income to average assets | 0.4413% | 4,358 |
| Noninterest expense to average assets | 3.3393% | 2,185 |
| Loan and lease loss provision to assets | 1.2190% | 336 |
| Net operating income to assets | -0.0683% | 6,400 |
| Return on assets (ROA) | 0.0599% | 6,378 |
| Pretax return on assets | 0.0676% | 6,365 |
| Return on Equity (ROE) | 0.6017% | 6,369 |
| Retained earnings to average equity (ytd only) | -0.6785% | 6,160 |
| Net charge-offs to loans | 1.1438% | 946 |
| Credit loss provision to net charge-offs | 150.4197% | 1,834 |
| Earnings coverage of net charge-offs (x) | 1.4098% | 4,300 |
| Efficiency ratio | 73.8924% | 3,092 |
| Assets per employee ($millions) | 3.9479% | 3,982 |
| Cash dividends to net income (ytd only)* | 212.7660% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6547% | 3,409 |
| Loan loss allowance to noncurrent loans | 37.3572% | 5,788 |
| Noncurrent assets plus other real estate owned to assets | 3.4274% | 1,562 |
| Noncurrent loans to loans | 4.4293% | 1,205 |
| Net loans and leases to total assets | 69.1004% | 2,090 |
| Net loans and leases to deposits | 80.1575% | 2,356 |
| Net loans and leases to core deposits | 89.3104% | 2,060 |
| Total domestic deposits to total assets | 86.2058% | 3,245 |
| Equity capital to assets | 9.9612% | 4,398 |
| Core capital (leverage) ratio | 9.6337% | 3,946 |
| Tier 1 risk-based capital ratio | 12.4399% | 5,614 |
| Total risk-based capital ratio | 13.6940% | 5,589 |
| Memoranda: | ||
| Average total assets | $470,393,670 | 1,427 |
| Average earning assets | $429,177,000 | 1,426 |
| Average equity | $46,864,670 | 1,488 |
| Average total loans | $333,270,330 | 1,275 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8426% | 2,475 |
| Cost of funding earning assets | 0.3638% | 6,581 |
| Net interest margin | 4.4788% | 1,055 |
| Noninterest income to average assets | 0.4419% | 4,357 |
| Noninterest expense to average assets | 3.3500% | 2,147 |
| Loan and lease loss provision to assets | 1.1464% | 344 |
| Net operating income to assets | 0.0110% | 6,396 |
| Return on assets (ROA) | 0.0110% | 6,503 |
| Pretax return on assets | 0.0255% | 6,495 |
| Return on Equity (ROE) | 0.1109% | 6,504 |
| Retained earnings to average equity (ytd only) | -2.4479% | 6,329 |
| Net charge-offs to loans | 1.2853% | 794 |
| Credit loss provision to net charge-offs | 125.3717% | 1,904 |
| Earnings coverage of net charge-offs (x) | 1.2816% | 3,689 |
| Efficiency ratio | 73.3509% | 3,194 |
| Assets per employee ($millions) | 3.9332% | 4,144 |
| Cash dividends to net income (ytd only)* | 2,307.6923% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4249% | 4,495 |
| Loan loss allowance to noncurrent loans | 30.5009% | 6,144 |
| Noncurrent assets plus other real estate owned to assets | 3.5666% | 1,604 |
| Noncurrent loans to loans | 4.6717% | 1,224 |
| Net loans and leases to total assets | 69.9739% | 1,758 |
| Net loans and leases to deposits | 81.0237% | 2,058 |
| Net loans and leases to core deposits | 89.9466% | 1,854 |
| Total domestic deposits to total assets | 86.3623% | 3,325 |
| Equity capital to assets | 9.8730% | 4,291 |
| Core capital (leverage) ratio | 9.4805% | 4,079 |
| Tier 1 risk-based capital ratio | 12.1745% | 5,848 |
| Total risk-based capital ratio | 13.4256% | 5,821 |
| Memoranda: | ||
| Average total assets | $470,688,000 | 1,424 |
| Average earning assets | $428,778,000 | 1,432 |
| Average equity | $46,898,000 | 1,485 |
| Average total loans | $334,856,000 | 1,264 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2242% | 1,968 |
| Cost of funding earning assets | 0.4351% | 6,785 |
| Net interest margin | 4.7892% | 640 |
| Noninterest income to average assets | 0.5164% | 3,742 |
| Noninterest expense to average assets | 3.2612% | 2,649 |
| Loan and lease loss provision to assets | 1.3275% | 606 |
| Net operating income to assets | 0.3007% | 5,248 |
| Return on assets (ROA) | 0.3668% | 5,171 |
| Pretax return on assets | 0.3749% | 5,367 |
| Return on Equity (ROE) | 3.6682% | 5,003 |
| Retained earnings to average equity (ytd only) | -0.3766% | 5,912 |
| Net charge-offs to loans | 1.7503% | 855 |
| Credit loss provision to net charge-offs | 102.8011% | 3,365 |
| Earnings coverage of net charge-offs (x) | 1.2661% | 4,832 |
| Efficiency ratio | 65.9337% | 4,785 |
| Assets per employee ($millions) | 3.9116% | 4,048 |
| Cash dividends to net income (ytd only)* | 110.2668% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3449% | 4,686 |
| Loan loss allowance to noncurrent loans | 32.0151% | 6,075 |
| Noncurrent assets plus other real estate owned to assets | 3.2598% | 1,830 |
| Noncurrent loans to loans | 4.2008% | 1,463 |
| Net loans and leases to total assets | 70.3402% | 1,964 |
| Net loans and leases to deposits | 81.8000% | 2,228 |
| Net loans and leases to core deposits | 89.5192% | 2,194 |
| Total domestic deposits to total assets | 85.9905% | 3,329 |
| Equity capital to assets | 10.0550% | 4,098 |
| Core capital (leverage) ratio | 9.5107% | 4,011 |
| Tier 1 risk-based capital ratio | 12.2327% | 5,661 |
| Total risk-based capital ratio | 13.4828% | 5,635 |
| Memoranda: | ||
| Average total assets | $469,985,800 | 1,405 |
| Average earning assets | $429,803,600 | 1,408 |
| Average equity | $46,998,600 | 1,446 |
| Average total loans | $346,750,000 | 1,222 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2823% | 1,936 |
| Cost of funding earning assets | 0.4495% | 6,881 |
| Net interest margin | 4.8328% | 585 |
| Noninterest income to average assets | 0.5037% | 3,844 |
| Noninterest expense to average assets | 3.3005% | 2,489 |
| Loan and lease loss provision to assets | 1.2731% | 593 |
| Net operating income to assets | 0.3468% | 5,219 |
| Return on assets (ROA) | 0.3454% | 5,409 |
| Pretax return on assets | 0.3562% | 5,587 |
| Return on Equity (ROE) | 3.4590% | 5,241 |
| Retained earnings to average equity (ytd only) | -1.9396% | 6,292 |
| Net charge-offs to loans | 1.9067% | 683 |
| Credit loss provision to net charge-offs | 89.7441% | 3,778 |
| Earnings coverage of net charge-offs (x) | 1.1495% | 4,760 |
| Efficiency ratio | 66.2641% | 4,675 |
| Assets per employee ($millions) | 3.5925% | 4,777 |
| Cash dividends to net income (ytd only)* | 156.0753% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 5,820 |
| Loan loss allowance to noncurrent loans | 33.0191% | 6,084 |
| Noncurrent assets plus other real estate owned to assets | 2.6654% | 2,424 |
| Noncurrent loans to loans | 3.3866% | 2,039 |
| Net loans and leases to total assets | 72.8508% | 1,538 |
| Net loans and leases to deposits | 84.8322% | 1,873 |
| Net loans and leases to core deposits | 94.1811% | 1,777 |
| Total domestic deposits to total assets | 85.8763% | 3,283 |
| Equity capital to assets | 10.0825% | 4,231 |
| Core capital (leverage) ratio | 9.4228% | 4,267 |
| Tier 1 risk-based capital ratio | 11.8605% | 5,996 |
| Total risk-based capital ratio | 12.9100% | 6,126 |
| Memoranda: | ||
| Average total assets | $470,134,750 | 1,418 |
| Average earning assets | $430,712,750 | 1,413 |
| Average equity | $46,949,000 | 1,452 |
| Average total loans | $349,769,750 | 1,226 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2754% | 1,976 |
| Cost of funding earning assets | 0.4594% | 6,982 |
| Net interest margin | 4.8161% | 587 |
| Noninterest income to average assets | 0.5309% | 3,622 |
| Noninterest expense to average assets | 3.4558% | 2,105 |
| Loan and lease loss provision to assets | 0.4763% | 2,078 |
| Net operating income to assets | 1.0089% | 2,188 |
| Return on assets (ROA) | 1.0068% | 2,300 |
| Pretax return on assets | 1.0225% | 3,148 |
| Return on Equity (ROE) | 10.1141% | 2,088 |
| Retained earnings to average equity (ytd only) | 4.1128% | 3,581 |
| Net charge-offs to loans | 1.1488% | 1,360 |
| Credit loss provision to net charge-offs | 55.5556% | 4,449 |
| Earnings coverage of net charge-offs (x) | 1.7506% | 3,990 |
| Efficiency ratio | 69.0527% | 4,322 |
| Assets per employee ($millions) | 3.7637% | 4,285 |
| Cash dividends to net income (ytd only)* | 59.3356% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9859% | 6,389 |
| Loan loss allowance to noncurrent loans | 35.0495% | 5,973 |
| Noncurrent assets plus other real estate owned to assets | 2.2251% | 2,948 |
| Noncurrent loans to loans | 2.8129% | 2,585 |
| Net loans and leases to total assets | 72.6579% | 1,652 |
| Net loans and leases to deposits | 84.6257% | 2,009 |
| Net loans and leases to core deposits | 95.9505% | 1,685 |
| Total domestic deposits to total assets | 85.8580% | 3,404 |
| Equity capital to assets | 10.0683% | 4,062 |
| Core capital (leverage) ratio | 9.6923% | 3,669 |
| Tier 1 risk-based capital ratio | 12.1363% | 5,677 |
| Total risk-based capital ratio | 13.0698% | 5,907 |
| Memoranda: | ||
| Average total assets | $472,370,330 | 1,422 |
| Average earning assets | $434,087,670 | 1,415 |
| Average equity | $47,023,670 | 1,437 |
| Average total loans | $352,550,000 | 1,226 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2783% | 1,940 |
| Cost of funding earning assets | 0.4704% | 7,064 |
| Net interest margin | 4.8078% | 563 |
| Noninterest income to average assets | 0.5973% | 3,187 |
| Noninterest expense to average assets | 3.6128% | 1,743 |
| Loan and lease loss provision to assets | 0.3547% | 2,426 |
| Net operating income to assets | 1.0351% | 2,051 |
| Return on assets (ROA) | 1.0351% | 2,102 |
| Pretax return on assets | 1.0521% | 2,935 |
| Return on Equity (ROE) | 10.4582% | 1,923 |
| Retained earnings to average equity (ytd only) | 10.4582% | 1,005 |
| Net charge-offs to loans | 0.6629% | 1,884 |
| Credit loss provision to net charge-offs | 71.0884% | 3,336 |
| Earnings coverage of net charge-offs (x) | 2.8197% | 2,957 |
| Efficiency ratio | 71.3151% | 3,986 |
| Assets per employee ($millions) | 3.5392% | 4,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 5,757 |
| Loan loss allowance to noncurrent loans | 38.1918% | 5,751 |
| Noncurrent assets plus other real estate owned to assets | 2.4766% | 2,753 |
| Noncurrent loans to loans | 3.0713% | 2,443 |
| Net loans and leases to total assets | 74.4756% | 1,272 |
| Net loans and leases to deposits | 86.7421% | 1,612 |
| Net loans and leases to core deposits | 98.5472% | 1,471 |
| Total domestic deposits to total assets | 85.8587% | 3,606 |
| Equity capital to assets | 10.0890% | 3,660 |
| Core capital (leverage) ratio | 9.8651% | 3,322 |
| Tier 1 risk-based capital ratio | 12.0099% | 5,685 |
| Total risk-based capital ratio | 13.1197% | 5,808 |
| Memoranda: | ||
| Average total assets | $471,439,500 | 1,433 |
| Average earning assets | $433,628,000 | 1,422 |
| Average equity | $46,662,000 | 1,437 |
| Average total loans | $354,826,000 | 1,235 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5362% | 2,138 |
| Cost of funding earning assets | 0.6024% | 7,125 |
| Net interest margin | 4.9338% | 505 |
| Noninterest income to average assets | 0.5005% | 4,165 |
| Noninterest expense to average assets | 3.4767% | 2,236 |
| Loan and lease loss provision to assets | 0.4083% | 3,657 |
| Net operating income to assets | 1.1252% | 1,624 |
| Return on assets (ROA) | 1.1255% | 1,703 |
| Pretax return on assets | 1.1504% | 2,393 |
| Return on Equity (ROE) | 11.5602% | 1,431 |
| Retained earnings to average equity (ytd only) | 5.9747% | 1,833 |
| Net charge-offs to loans | 0.3640% | 4,202 |
| Credit loss provision to net charge-offs | 147.2050% | 2,490 |
| Earnings coverage of net charge-offs (x) | 5.6188% | 2,580 |
| Efficiency ratio | 68.3846% | 4,482 |
| Assets per employee ($millions) | 3.5770% | 4,760 |
| Cash dividends to net income (ytd only)* | 48.3161% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 5,411 |
| Loan loss allowance to noncurrent loans | 74.0975% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 1.3373% | 4,348 |
| Noncurrent loans to loans | 1.6468% | 4,034 |
| Net loans and leases to total assets | 74.2522% | 1,610 |
| Net loans and leases to deposits | 86.0649% | 2,084 |
| Net loans and leases to core deposits | 95.3587% | 2,081 |
| Total domestic deposits to total assets | 86.2746% | 3,212 |
| Equity capital to assets | 9.7071% | 4,118 |
| Core capital (leverage) ratio | 9.3407% | 3,940 |
| Tier 1 risk-based capital ratio | 11.6673% | 5,754 |
| Total risk-based capital ratio | 12.8200% | 5,856 |
| Memoranda: | ||
| Average total assets | $464,347,400 | 1,434 |
| Average earning assets | $426,794,600 | 1,420 |
| Average equity | $45,207,000 | 1,478 |
| Average total loans | $353,830,200 | 1,270 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5607% | 2,209 |
| Cost of funding earning assets | 0.6312% | 7,222 |
| Net interest margin | 4.9295% | 527 |
| Noninterest income to average assets | 0.5066% | 4,129 |
| Noninterest expense to average assets | 3.4558% | 2,145 |
| Loan and lease loss provision to assets | 0.3509% | 3,804 |
| Net operating income to assets | 1.1995% | 1,596 |
| Return on assets (ROA) | 1.1995% | 1,675 |
| Pretax return on assets | 1.2261% | 2,406 |
| Return on Equity (ROE) | 12.3118% | 1,421 |
| Retained earnings to average equity (ytd only) | 6.8810% | 1,912 |
| Net charge-offs to loans | 0.2180% | 4,635 |
| Credit loss provision to net charge-offs | 210.5536% | 1,667 |
| Earnings coverage of net charge-offs (x) | 9.4619% | 2,018 |
| Efficiency ratio | 68.0016% | 4,466 |
| Assets per employee ($millions) | 3.5933% | 4,751 |
| Cash dividends to net income (ytd only)* | 44.1106% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 5,377 |
| Loan loss allowance to noncurrent loans | 47.2576% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 2.0809% | 3,363 |
| Noncurrent loans to loans | 2.5875% | 3,039 |
| Net loans and leases to total assets | 74.5448% | 1,677 |
| Net loans and leases to deposits | 86.3686% | 2,265 |
| Net loans and leases to core deposits | 97.8300% | 2,063 |
| Total domestic deposits to total assets | 86.3101% | 2,911 |
| Equity capital to assets | 9.8033% | 4,412 |
| Core capital (leverage) ratio | 9.2454% | 4,285 |
| Tier 1 risk-based capital ratio | 11.4206% | 5,999 |
| Total risk-based capital ratio | 12.5677% | 6,079 |
| Memoranda: | ||
| Average total assets | $462,394,250 | 1,465 |
| Average earning assets | $424,563,250 | 1,448 |
| Average equity | $45,050,500 | 1,489 |
| Average total loans | $353,557,750 | 1,284 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5872% | 2,183 |
| Cost of funding earning assets | 0.6421% | 7,315 |
| Net interest margin | 4.9451% | 481 |
| Noninterest income to average assets | 0.5152% | 3,995 |
| Noninterest expense to average assets | 3.4706% | 2,099 |
| Loan and lease loss provision to assets | 0.3857% | 3,405 |
| Net operating income to assets | 1.1675% | 1,653 |
| Return on assets (ROA) | 1.1688% | 1,710 |
| Pretax return on assets | 1.1993% | 2,419 |
| Return on Equity (ROE) | 12.0222% | 1,448 |
| Retained earnings to average equity (ytd only) | 7.2609% | 1,727 |
| Net charge-offs to loans | 0.1420% | 4,805 |
| Credit loss provision to net charge-offs | 353.6000% | 1,033 |
| Earnings coverage of net charge-offs (x) | 14.5200% | 1,512 |
| Efficiency ratio | 68.0017% | 4,580 |
| Assets per employee ($millions) | 3.5584% | 4,783 |
| Cash dividends to net income (ytd only)* | 39.6043% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2415% | 5,227 |
| Loan loss allowance to noncurrent loans | 49.0532% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 2.0159% | 3,483 |
| Noncurrent loans to loans | 2.5309% | 3,123 |
| Net loans and leases to total assets | 73.7040% | 1,979 |
| Net loans and leases to deposits | 88.5884% | 2,080 |
| Net loans and leases to core deposits | 97.4324% | 2,288 |
| Total domestic deposits to total assets | 83.1982% | 4,487 |
| Equity capital to assets | 9.6745% | 4,432 |
| Core capital (leverage) ratio | 9.5835% | 3,698 |
| Tier 1 risk-based capital ratio | 11.4727% | 5,796 |
| Total risk-based capital ratio | 12.6434% | 5,850 |
| Memoranda: | ||
| Average total assets | $458,419,330 | 1,491 |
| Average earning assets | $420,783,000 | 1,472 |
| Average equity | $44,567,670 | 1,492 |
| Average total loans | $352,091,330 | 1,306 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6868% | 1,824 |
| Cost of funding earning assets | 0.6558% | 7,420 |
| Net interest margin | 5.0309% | 395 |
| Noninterest income to average assets | 0.5027% | 4,030 |
| Noninterest expense to average assets | 3.5143% | 1,945 |
| Loan and lease loss provision to assets | 0.5380% | 2,351 |
| Net operating income to assets | 1.0301% | 2,068 |
| Return on assets (ROA) | 1.0301% | 2,128 |
| Pretax return on assets | 1.0654% | 2,860 |
| Return on Equity (ROE) | 10.5687% | 1,919 |
| Retained earnings to average equity (ytd only) | 7.8766% | 1,757 |
| Net charge-offs to loans | 0.0034% | 5,577 |
| Credit loss provision to net charge-offs | 20,300.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 605.0000% | 38 |
| Efficiency ratio | 68.0131% | 4,720 |
| Assets per employee ($millions) | 3.4688% | 5,103 |
| Cash dividends to net income (ytd only)* | 25.4717% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 5,346 |
| Loan loss allowance to noncurrent loans | 165.9248% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.7716% | 5,604 |
| Noncurrent loans to loans | 0.7404% | 5,840 |
| Net loans and leases to total assets | 75.9299% | 1,555 |
| Net loans and leases to deposits | 88.0416% | 2,219 |
| Net loans and leases to core deposits | 98.1160% | 2,330 |
| Total domestic deposits to total assets | 86.2432% | 3,010 |
| Equity capital to assets | 9.7466% | 4,175 |
| Core capital (leverage) ratio | 9.4101% | 3,897 |
| Tier 1 risk-based capital ratio | 11.2304% | 5,923 |
| Total risk-based capital ratio | 12.3762% | 6,001 |
| Memoranda: | ||
| Average total assets | $452,775,500 | 1,548 |
| Average earning assets | $415,349,000 | 1,531 |
| Average equity | $44,130,500 | 1,522 |
| Average total loans | $352,864,500 | 1,341 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9566% | 2,029 |
| Cost of funding earning assets | 0.8668% | 7,457 |
| Net interest margin | 5.0898% | 371 |
| Noninterest income to average assets | 0.6035% | 3,605 |
| Noninterest expense to average assets | 3.6059% | 2,122 |
| Loan and lease loss provision to assets | 0.3473% | 4,719 |
| Net operating income to assets | 1.2625% | 1,108 |
| Return on assets (ROA) | 1.2625% | 1,164 |
| Pretax return on assets | 1.3019% | 1,688 |
| Return on Equity (ROE) | 12.8741% | 989 |
| Retained earnings to average equity (ytd only) | 3.6837% | 2,611 |
| Net charge-offs to loans | 0.3627% | 4,412 |
| Credit loss provision to net charge-offs | 119.4795% | 4,491 |
| Earnings coverage of net charge-offs (x) | 5.6743% | 2,530 |
| Efficiency ratio | 67.9417% | 5,016 |
| Assets per employee ($millions) | 3.3408% | 5,400 |
| Cash dividends to net income (ytd only)* | 71.3871% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 6,120 |
| Loan loss allowance to noncurrent loans | 77.6849% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 1.2833% | 4,520 |
| Noncurrent loans to loans | 1.3530% | 4,664 |
| Net loans and leases to total assets | 78.1867% | 1,336 |
| Net loans and leases to deposits | 90.7558% | 2,087 |
| Net loans and leases to core deposits | 104.7278% | 3,486 |
| Total domestic deposits to total assets | 86.1507% | 2,933 |
| Equity capital to assets | 9.7467% | 4,074 |
| Core capital (leverage) ratio | 9.3019% | 3,970 |
| Tier 1 risk-based capital ratio | 10.8262% | 6,089 |
| Total risk-based capital ratio | 11.7982% | 6,328 |
| Memoranda: | ||
| Average total assets | $436,280,400 | 1,589 |
| Average earning assets | $398,720,200 | 1,597 |
| Average equity | $42,783,600 | 1,560 |
| Average total loans | $349,612,200 | 1,383 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9910% | 2,080 |
| Cost of funding earning assets | 0.8993% | 7,561 |
| Net interest margin | 5.0917% | 372 |
| Noninterest income to average assets | 0.6115% | 3,611 |
| Noninterest expense to average assets | 3.6225% | 1,979 |
| Loan and lease loss provision to assets | 0.3008% | 4,565 |
| Net operating income to assets | 1.2960% | 1,229 |
| Return on assets (ROA) | 1.2969% | 1,303 |
| Pretax return on assets | 1.3375% | 1,855 |
| Return on Equity (ROE) | 13.2042% | 1,069 |
| Retained earnings to average equity (ytd only) | 3.2384% | 3,507 |
| Net charge-offs to loans | 0.0031% | 6,948 |
| Credit loss provision to net charge-offs | 12,225.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 665.1509% | 39 |
| Efficiency ratio | 68.1911% | 4,928 |
| Assets per employee ($millions) | 3.3461% | 5,269 |
| Cash dividends to net income (ytd only)* | 75.4744% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 4,763 |
| Loan loss allowance to noncurrent loans | 67.1962% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 1.5294% | 4,070 |
| Noncurrent loans to loans | 1.8742% | 3,805 |
| Net loans and leases to total assets | 78.8319% | 1,418 |
| Net loans and leases to deposits | 91.5709% | 2,311 |
| Net loans and leases to core deposits | 104.7670% | 3,848 |
| Total domestic deposits to total assets | 86.0884% | 2,661 |
| Equity capital to assets | 9.8601% | 4,257 |
| Core capital (leverage) ratio | 9.4517% | 3,974 |
| Tier 1 risk-based capital ratio | 10.7652% | 6,197 |
| Total risk-based capital ratio | 11.9334% | 6,240 |
| Memoranda: | ||
| Average total assets | $433,433,500 | 1,610 |
| Average earning assets | $395,695,250 | 1,620 |
| Average equity | $42,571,250 | 1,589 |
| Average total loans | $348,581,500 | 1,405 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0200% | 2,106 |
| Cost of funding earning assets | 0.9152% | 7,677 |
| Net interest margin | 5.1049% | 353 |
| Noninterest income to average assets | 0.6153% | 3,566 |
| Noninterest expense to average assets | 3.5441% | 2,211 |
| Loan and lease loss provision to assets | 0.2786% | 4,345 |
| Net operating income to assets | 1.3899% | 1,045 |
| Return on assets (ROA) | 1.3913% | 1,117 |
| Pretax return on assets | 1.4359% | 1,633 |
| Return on Equity (ROE) | 14.1840% | 963 |
| Retained earnings to average equity (ytd only) | 4.5734% | 2,750 |
| Net charge-offs to loans | 0.0023% | 6,597 |
| Credit loss provision to net charge-offs | 15,000.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 922.2500% | 30 |
| Efficiency ratio | 66.7256% | 5,411 |
| Assets per employee ($millions) | 3.2445% | 5,466 |
| Cash dividends to net income (ytd only)* | 67.7570% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 5,169 |
| Loan loss allowance to noncurrent loans | 65.5439% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 1.4829% | 4,014 |
| Noncurrent loans to loans | 1.7766% | 3,837 |
| Net loans and leases to total assets | 80.6041% | 1,211 |
| Net loans and leases to deposits | 99.5478% | 1,331 |
| Net loans and leases to core deposits | 114.5871% | 2,844 |
| Total domestic deposits to total assets | 80.9703% | 5,095 |
| Equity capital to assets | 9.9612% | 3,996 |
| Core capital (leverage) ratio | 9.6180% | 3,739 |
| Tier 1 risk-based capital ratio | 10.8538% | 6,032 |
| Total risk-based capital ratio | 11.9364% | 6,135 |
| Memoranda: | ||
| Average total assets | $430,682,000 | 1,641 |
| Average earning assets | $391,626,670 | 1,656 |
| Average equity | $42,244,670 | 1,610 |
| Average total loans | $347,231,330 | 1,436 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9833% | 2,430 |
| Cost of funding earning assets | 0.9240% | 7,783 |
| Net interest margin | 5.0592% | 351 |
| Noninterest income to average assets | 0.5863% | 3,650 |
| Noninterest expense to average assets | 3.4648% | 2,185 |
| Loan and lease loss provision to assets | 0.2779% | 3,733 |
| Net operating income to assets | 1.3901% | 1,162 |
| Return on assets (ROA) | 1.3874% | 1,259 |
| Pretax return on assets | 1.4300% | 1,884 |
| Return on Equity (ROE) | 14.2543% | 1,116 |
| Retained earnings to average equity (ytd only) | 11.3045% | 921 |
| Net charge-offs to loans | 0.1306% | 3,918 |
| Credit loss provision to net charge-offs | 265.4867% | 1,784 |
| Earnings coverage of net charge-offs (x) | 16.3451% | 1,556 |
| Efficiency ratio | 66.2491% | 5,280 |
| Assets per employee ($millions) | 3.2269% | 5,532 |
| Cash dividends to net income (ytd only)* | 20.6943% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 5,813 |
| Loan loss allowance to noncurrent loans | 65.4500% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 1.3351% | 3,992 |
| Noncurrent loans to loans | 1.6040% | 3,870 |
| Net loans and leases to total assets | 79.7361% | 1,440 |
| Net loans and leases to deposits | 98.8520% | 1,553 |
| Net loans and leases to core deposits | 112.2613% | 3,193 |
| Total domestic deposits to total assets | 80.6621% | 5,109 |
| Equity capital to assets | 9.9154% | 4,097 |
| Core capital (leverage) ratio | 9.7106% | 3,741 |
| Tier 1 risk-based capital ratio | 10.8915% | 6,000 |
| Total risk-based capital ratio | 11.8653% | 6,196 |
| Memoranda: | ||
| Average total assets | $431,887,000 | 1,650 |
| Average earning assets | $391,758,500 | 1,672 |
| Average equity | $42,036,500 | 1,620 |
| Average total loans | $346,211,000 | 1,454 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2621% | 4,174 |
| Cost of funding earning assets | 1.2425% | 7,896 |
| Net interest margin | 5.0196% | 487 |
| Noninterest income to average assets | 0.8294% | 2,354 |
| Noninterest expense to average assets | 3.5649% | 2,228 |
| Loan and lease loss provision to assets | 0.1968% | 4,915 |
| Net operating income to assets | 1.5674% | 889 |
| Return on assets (ROA) | 1.5940% | 807 |
| Pretax return on assets | 1.6506% | 1,261 |
| Return on Equity (ROE) | 16.8856% | 650 |
| Retained earnings to average equity (ytd only) | 8.7097% | 653 |
| Net charge-offs to loans | 0.0700% | 5,772 |
| Credit loss provision to net charge-offs | 359.8253% | 1,232 |
| Earnings coverage of net charge-offs (x) | 33.2795% | 1,086 |
| Efficiency ratio | 65.5151% | 5,218 |
| Assets per employee ($millions) | 3.2680% | 5,295 |
| Cash dividends to net income (ytd only)* | 48.4195% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 5,952 |
| Loan loss allowance to noncurrent loans | 95.4358% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 0.8858% | 4,641 |
| Noncurrent loans to loans | 1.0573% | 4,459 |
| Net loans and leases to total assets | 78.9371% | 1,901 |
| Net loans and leases to deposits | 95.0241% | 2,607 |
| Net loans and leases to core deposits | 105.6676% | 4,227 |
| Total domestic deposits to total assets | 83.0706% | 3,735 |
| Equity capital to assets | 9.5506% | 4,612 |
| Core capital (leverage) ratio | 9.5658% | 3,919 |
| Tier 1 risk-based capital ratio | 10.6692% | 6,033 |
| Total risk-based capital ratio | 11.6029% | 6,233 |
| Memoranda: | ||
| Average total assets | $418,751,600 | 1,625 |
| Average earning assets | $380,033,800 | 1,639 |
| Average equity | $39,530,800 | 1,710 |
| Average total loans | $327,135,200 | 1,488 |