Home > Blackhawk Bank & Trust > Performance and Condition Ratios
Blackhawk Bank & Trust, 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 | 3.8029% | 4,179 |
| Cost of funding earning assets | 2.0475% | 854 |
| Net interest margin | 1.7554% | 4,464 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 1.3806% | 4,401 |
| Loan and lease loss provision to assets | -0.0300% | 4,371 |
| Net operating income to assets | 0.5097% | 3,651 |
| Return on assets (ROA) | 0.6215% | 3,368 |
| Pretax return on assets | 0.7499% | 3,337 |
| Return on Equity (ROE) | 7.9000% | 3,047 |
| Retained earnings to average equity (ytd only) | 2.5228% | 3,439 |
| Net charge-offs to loans | -0.0603% | 4,403 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.8260% | 1,903 |
| Assets per employee ($millions) | 8.8970% | 1,022 |
| Cash dividends to net income (ytd only)* | 68.0481% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1398% | 2,604 |
| Loan loss allowance to noncurrent loans | 285.0402% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.9437% | 528 |
| Noncurrent loans to loans | 0.3999% | 1,786 |
| Net loans and leases to total assets | 48.8900% | 3,668 |
| Net loans and leases to deposits | 73.5478% | 2,648 |
| Net loans and leases to core deposits | 77.9200% | 2,843 |
| Total domestic deposits to total assets | 66.4800% | 4,368 |
| Equity capital to assets | 7.9704% | 3,439 |
| Core capital (leverage) ratio | 9.6241% | 3,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,821,028,800 | 618 |
| Average earning assets | $1,750,291,200 | 591 |
| Average equity | $143,332,600 | 698 |
| Average total loans | $859,240,000 | 820 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7267% | 4,185 |
| Cost of funding earning assets | 1.9610% | 759 |
| Net interest margin | 1.7657% | 4,488 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 1.3650% | 4,418 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.5372% | 3,687 |
| Return on assets (ROA) | 0.6647% | 3,387 |
| Pretax return on assets | 0.8086% | 3,316 |
| Return on Equity (ROE) | 8.4700% | 3,069 |
| Retained earnings to average equity (ytd only) | 4.6125% | 3,067 |
| Net charge-offs to loans | -0.0114% | 3,970 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.6317% | 2,055 |
| Assets per employee ($millions) | 8.3271% | 1,199 |
| Cash dividends to net income (ytd only)* | 45.5657% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 2,437 |
| Loan loss allowance to noncurrent loans | 285.7991% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.9526% | 561 |
| Noncurrent loans to loans | 0.4150% | 1,792 |
| Net loans and leases to total assets | 48.1400% | 3,731 |
| Net loans and leases to deposits | 70.1165% | 2,834 |
| Net loans and leases to core deposits | 73.9724% | 2,997 |
| Total domestic deposits to total assets | 68.6600% | 4,358 |
| Equity capital to assets | 7.3369% | 3,446 |
| Core capital (leverage) ratio | 9.7628% | 3,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,804,746,750 | 627 |
| Average earning assets | $1,733,551,750 | 597 |
| Average equity | $141,582,000 | 695 |
| Average total loans | $840,841,250 | 833 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6214% | 4,232 |
| Cost of funding earning assets | 1.8095% | 728 |
| Net interest margin | 1.8119% | 4,535 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 1.3588% | 4,445 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5497% | 3,699 |
| Return on assets (ROA) | 0.7104% | 3,324 |
| Pretax return on assets | 0.8703% | 3,236 |
| Return on Equity (ROE) | 8.8600% | 3,022 |
| Retained earnings to average equity (ytd only) | 3.1645% | 3,429 |
| Net charge-offs to loans | -0.0206% | 4,128 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.3325% | 2,191 |
| Assets per employee ($millions) | 8.5733% | 1,060 |
| Cash dividends to net income (ytd only)* | 64.2835% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 2,177 |
| Loan loss allowance to noncurrent loans | 880.1141% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.8160% | 625 |
| Noncurrent loans to loans | 0.1419% | 2,759 |
| Net loans and leases to total assets | 46.7500% | 3,754 |
| Net loans and leases to deposits | 69.5155% | 2,825 |
| Net loans and leases to core deposits | 72.6618% | 2,975 |
| Total domestic deposits to total assets | 67.2500% | 4,421 |
| Equity capital to assets | 7.7099% | 3,398 |
| Core capital (leverage) ratio | 9.7624% | 2,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,795,672,667 | 617 |
| Average earning assets | $1,725,351,333 | 591 |
| Average equity | $143,972,667 | 685 |
| Average total loans | $823,610,000 | 827 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4463% | 4,331 |
| Cost of funding earning assets | 1.6123% | 682 |
| Net interest margin | 1.8340% | 4,599 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 1.3287% | 4,520 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5690% | 3,748 |
| Return on assets (ROA) | 0.8321% | 3,042 |
| Pretax return on assets | 1.0427% | 2,877 |
| Return on Equity (ROE) | 10.1800% | 2,732 |
| Retained earnings to average equity (ytd only) | 10.1784% | 1,655 |
| Net charge-offs to loans | -0.0299% | 4,218 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.5474% | 2,379 |
| Assets per employee ($millions) | 8.4543% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 1,939 |
| Loan loss allowance to noncurrent loans | 920.8547% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.9045% | 495 |
| Noncurrent loans to loans | 0.1436% | 2,778 |
| Net loans and leases to total assets | 44.8700% | 3,827 |
| Net loans and leases to deposits | 65.6172% | 2,965 |
| Net loans and leases to core deposits | 67.7072% | 3,114 |
| Total domestic deposits to total assets | 68.3800% | 4,453 |
| Equity capital to assets | 8.4616% | 2,923 |
| Core capital (leverage) ratio | 10.0377% | 2,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,780,453,000 | 634 |
| Average earning assets | $1,710,594,000 | 607 |
| Average equity | $145,563,000 | 692 |
| Average total loans | $803,154,000 | 855 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0206% | 4,106 |
| Cost of funding earning assets | 0.7290% | 510 |
| Net interest margin | 2.2916% | 4,433 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 1.4168% | 4,499 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | 0.8727% | 3,069 |
| Return on assets (ROA) | 1.0326% | 2,386 |
| Pretax return on assets | 1.3148% | 2,036 |
| Return on Equity (ROE) | 11.6800% | 2,246 |
| Retained earnings to average equity (ytd only) | 5.4227% | 2,866 |
| Net charge-offs to loans | -0.0684% | 4,425 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.4917% | 3,528 |
| Assets per employee ($millions) | 8.3424% | 1,171 |
| Cash dividends to net income (ytd only)* | 53.5871% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 1,580 |
| Loan loss allowance to noncurrent loans | 743.0130% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.8065% | 586 |
| Noncurrent loans to loans | 0.1854% | 2,564 |
| Net loans and leases to total assets | 44.1300% | 3,886 |
| Net loans and leases to deposits | 62.7963% | 3,126 |
| Net loans and leases to core deposits | 64.2856% | 3,246 |
| Total domestic deposits to total assets | 70.2800% | 4,467 |
| Equity capital to assets | 7.8858% | 3,130 |
| Core capital (leverage) ratio | 9.8989% | 2,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,771,091,000 | 615 |
| Average earning assets | $1,706,931,000 | 587 |
| Average equity | $156,528,400 | 659 |
| Average total loans | $758,987,000 | 851 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9316% | 4,012 |
| Cost of funding earning assets | 0.5496% | 579 |
| Net interest margin | 2.3819% | 4,345 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 1.3738% | 4,529 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | 0.9725% | 2,581 |
| Return on assets (ROA) | 1.1625% | 1,819 |
| Pretax return on assets | 1.5010% | 1,404 |
| Return on Equity (ROE) | 12.8100% | 1,769 |
| Retained earnings to average equity (ytd only) | 8.7464% | 1,743 |
| Net charge-offs to loans | -0.0449% | 4,282 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.8160% | 3,939 |
| Assets per employee ($millions) | 8.0233% | 1,311 |
| Cash dividends to net income (ytd only)* | 31.7193% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3732% | 1,700 |
| Loan loss allowance to noncurrent loans | 597.7515% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.8167% | 611 |
| Noncurrent loans to loans | 0.2297% | 2,472 |
| Net loans and leases to total assets | 43.0700% | 3,934 |
| Net loans and leases to deposits | 61.4344% | 3,076 |
| Net loans and leases to core deposits | 63.0391% | 3,187 |
| Total domestic deposits to total assets | 70.1200% | 4,531 |
| Equity capital to assets | 7.7158% | 3,080 |
| Core capital (leverage) ratio | 10.1295% | 2,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,771,715,500 | 618 |
| Average earning assets | $1,709,450,500 | 589 |
| Average equity | $160,793,750 | 651 |
| Average total loans | $750,884,500 | 856 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7331% | 4,096 |
| Cost of funding earning assets | 0.4118% | 849 |
| Net interest margin | 2.3214% | 4,314 |
| Noninterest income to average assets | 0.2874% | 3,456 |
| Noninterest expense to average assets | 1.3173% | 4,585 |
| Loan and lease loss provision to assets | -0.0452% | 4,503 |
| Net operating income to assets | 0.9718% | 2,254 |
| Return on assets (ROA) | 1.1347% | 1,626 |
| Pretax return on assets | 1.4673% | 1,261 |
| Return on Equity (ROE) | 11.9073% | 1,693 |
| Retained earnings to average equity (ytd only) | 6.1012% | 2,303 |
| Net charge-offs to loans | -0.0546% | 4,269 |
| Credit loss provision to net charge-offs | 197.0443% | 977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5935% | 4,159 |
| Assets per employee ($millions) | 8.0836% | 1,255 |
| Cash dividends to net income (ytd only)* | 48.7611% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4569% | 1,530 |
| Loan loss allowance to noncurrent loans | 534.5776% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.8423% | 616 |
| Noncurrent loans to loans | 0.2725% | 2,388 |
| Net loans and leases to total assets | 41.9684% | 3,975 |
| Net loans and leases to deposits | 56.9265% | 3,308 |
| Net loans and leases to core deposits | 62.0451% | 3,115 |
| Total domestic deposits to total assets | 73.7238% | 4,544 |
| Equity capital to assets | 8.7385% | 2,583 |
| Core capital (leverage) ratio | 9.9122% | 2,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,771,239,667 | 612 |
| Average earning assets | $1,713,641,000 | 585 |
| Average equity | $168,787,667 | 628 |
| Average total loans | $743,041,000 | 849 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6618% | 4,006 |
| Cost of funding earning assets | 0.3611% | 1,124 |
| Net interest margin | 2.3007% | 4,237 |
| Noninterest income to average assets | 0.2780% | 3,477 |
| Noninterest expense to average assets | 1.2808% | 4,629 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9452% | 2,091 |
| Return on assets (ROA) | 1.0920% | 1,546 |
| Pretax return on assets | 1.4123% | 1,222 |
| Return on Equity (ROE) | 11.0094% | 1,619 |
| Retained earnings to average equity (ytd only) | 11.0094% | 787 |
| Net charge-offs to loans | -0.0470% | 4,237 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6723% | 4,280 |
| Assets per employee ($millions) | 8.5368% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5045% | 1,536 |
| Loan loss allowance to noncurrent loans | 437.2749% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 1.1713% | 379 |
| Noncurrent loans to loans | 0.3441% | 2,251 |
| Net loans and leases to total assets | 41.5761% | 3,908 |
| Net loans and leases to deposits | 56.9133% | 3,179 |
| Net loans and leases to core deposits | 61.6018% | 3,010 |
| Total domestic deposits to total assets | 73.0515% | 4,598 |
| Equity capital to assets | 9.5663% | 2,232 |
| Core capital (leverage) ratio | 9.8976% | 2,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,779,794,000 | 607 |
| Average earning assets | $1,724,534,000 | 582 |
| Average equity | $176,539,500 | 613 |
| Average total loans | $741,029,500 | 840 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8309% | 4,162 |
| Cost of funding earning assets | 0.4321% | 1,312 |
| Net interest margin | 2.3988% | 4,321 |
| Noninterest income to average assets | 0.3067% | 3,570 |
| Noninterest expense to average assets | 1.3609% | 4,647 |
| Loan and lease loss provision to assets | 0.0117% | 2,850 |
| Net operating income to assets | 0.9831% | 2,743 |
| Return on assets (ROA) | 1.0921% | 2,397 |
| Pretax return on assets | 1.3983% | 2,059 |
| Return on Equity (ROE) | 9.9517% | 2,541 |
| Retained earnings to average equity (ytd only) | 4.9302% | 2,808 |
| Net charge-offs to loans | -0.0724% | 4,470 |
| Credit loss provision to net charge-offs | -38.3877% | 3,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0899% | 4,194 |
| Assets per employee ($millions) | 8.3380% | 1,149 |
| Cash dividends to net income (ytd only)* | 50.4590% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4980% | 1,564 |
| Loan loss allowance to noncurrent loans | 583.5176% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 1.0571% | 506 |
| Noncurrent loans to loans | 0.2567% | 2,693 |
| Net loans and leases to total assets | 40.4585% | 4,072 |
| Net loans and leases to deposits | 55.5768% | 3,461 |
| Net loans and leases to core deposits | 61.9949% | 3,163 |
| Total domestic deposits to total assets | 72.7975% | 4,624 |
| Equity capital to assets | 10.2636% | 2,409 |
| Core capital (leverage) ratio | 9.7412% | 2,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,705,758,600 | 615 |
| Average earning assets | $1,654,121,000 | 581 |
| Average equity | $187,194,200 | 579 |
| Average total loans | $719,755,800 | 860 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8407% | 4,247 |
| Cost of funding earning assets | 0.4511% | 1,347 |
| Net interest margin | 2.3897% | 4,408 |
| Noninterest income to average assets | 0.3102% | 3,573 |
| Noninterest expense to average assets | 1.3375% | 4,720 |
| Loan and lease loss provision to assets | 0.0159% | 2,687 |
| Net operating income to assets | 0.9959% | 2,927 |
| Return on assets (ROA) | 1.0736% | 2,703 |
| Pretax return on assets | 1.3717% | 2,433 |
| Return on Equity (ROE) | 9.6166% | 2,876 |
| Retained earnings to average equity (ytd only) | 6.2795% | 2,705 |
| Net charge-offs to loans | -0.0291% | 4,117 |
| Credit loss provision to net charge-offs | -128.2051% | 3,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2746% | 4,199 |
| Assets per employee ($millions) | 7.9556% | 1,292 |
| Cash dividends to net income (ytd only)* | 34.7017% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4942% | 1,656 |
| Loan loss allowance to noncurrent loans | 511.2595% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 1.0620% | 603 |
| Noncurrent loans to loans | 0.2923% | 2,746 |
| Net loans and leases to total assets | 40.5468% | 4,181 |
| Net loans and leases to deposits | 56.5559% | 3,527 |
| Net loans and leases to core deposits | 62.1008% | 3,312 |
| Total domestic deposits to total assets | 71.6933% | 4,692 |
| Equity capital to assets | 10.9728% | 2,039 |
| Core capital (leverage) ratio | 9.9031% | 2,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,681,947,750 | 625 |
| Average earning assets | $1,630,474,750 | 593 |
| Average equity | $187,780,750 | 579 |
| Average total loans | $714,759,750 | 880 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8561% | 4,276 |
| Cost of funding earning assets | 0.4695% | 1,387 |
| Net interest margin | 2.3867% | 4,434 |
| Noninterest income to average assets | 0.3146% | 3,543 |
| Noninterest expense to average assets | 1.3468% | 4,761 |
| Loan and lease loss provision to assets | 0.0241% | 2,488 |
| Net operating income to assets | 0.9842% | 2,945 |
| Return on assets (ROA) | 1.0639% | 2,742 |
| Pretax return on assets | 1.3561% | 2,448 |
| Return on Equity (ROE) | 9.4723% | 2,956 |
| Retained earnings to average equity (ytd only) | 4.4361% | 3,386 |
| Net charge-offs to loans | -0.0389% | 4,260 |
| Credit loss provision to net charge-offs | -143.8849% | 3,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6301% | 4,179 |
| Assets per employee ($millions) | 7.6512% | 1,393 |
| Cash dividends to net income (ytd only)* | 53.1674% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5126% | 1,547 |
| Loan loss allowance to noncurrent loans | 567.5862% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.9659% | 791 |
| Noncurrent loans to loans | 0.2665% | 2,983 |
| Net loans and leases to total assets | 40.1081% | 4,284 |
| Net loans and leases to deposits | 56.1582% | 3,699 |
| Net loans and leases to core deposits | 63.0486% | 3,374 |
| Total domestic deposits to total assets | 71.4198% | 4,725 |
| Equity capital to assets | 10.7512% | 2,186 |
| Core capital (leverage) ratio | 9.9812% | 2,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,661,839,000 | 624 |
| Average earning assets | $1,609,515,667 | 593 |
| Average equity | $186,649,000 | 580 |
| Average total loans | $713,962,333 | 882 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9732% | 4,141 |
| Cost of funding earning assets | 0.4938% | 1,426 |
| Net interest margin | 2.4794% | 4,329 |
| Noninterest income to average assets | 0.2928% | 3,654 |
| Noninterest expense to average assets | 1.3573% | 4,776 |
| Loan and lease loss provision to assets | 0.0493% | 2,101 |
| Net operating income to assets | 1.0070% | 2,788 |
| Return on assets (ROA) | 1.0638% | 2,674 |
| Pretax return on assets | 1.3571% | 2,403 |
| Return on Equity (ROE) | 9.2600% | 2,939 |
| Retained earnings to average equity (ytd only) | 9.2600% | 1,871 |
| Net charge-offs to loans | -0.0067% | 3,513 |
| Credit loss provision to net charge-offs | -1,666.6667% | 3,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7759% | 4,203 |
| Assets per employee ($millions) | 7.2956% | 1,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4765% | 1,688 |
| Loan loss allowance to noncurrent loans | 373.1733% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.9783% | 848 |
| Noncurrent loans to loans | 0.3957% | 2,687 |
| Net loans and leases to total assets | 42.9763% | 4,179 |
| Net loans and leases to deposits | 60.6117% | 3,439 |
| Net loans and leases to core deposits | 65.4128% | 3,289 |
| Total domestic deposits to total assets | 70.9043% | 4,746 |
| Equity capital to assets | 11.4097% | 1,600 |
| Core capital (leverage) ratio | 10.5790% | 2,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,624,347,500 | 630 |
| Average earning assets | $1,571,639,000 | 597 |
| Average equity | $186,608,500 | 574 |
| Average total loans | $717,291,000 | 879 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2802% | 4,358 |
| Cost of funding earning assets | 0.7136% | 1,653 |
| Net interest margin | 2.5665% | 4,530 |
| Noninterest income to average assets | 0.3316% | 3,477 |
| Noninterest expense to average assets | 1.5123% | 4,772 |
| Loan and lease loss provision to assets | 0.0737% | 3,462 |
| Net operating income to assets | 0.9761% | 2,373 |
| Return on assets (ROA) | 1.0956% | 2,059 |
| Pretax return on assets | 1.3787% | 1,728 |
| Return on Equity (ROE) | 9.0465% | 2,373 |
| Retained earnings to average equity (ytd only) | 4.0738% | 2,779 |
| Net charge-offs to loans | -0.1105% | 4,826 |
| Credit loss provision to net charge-offs | -142.0645% | 3,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0742% | 4,302 |
| Assets per employee ($millions) | 7.0801% | 1,528 |
| Cash dividends to net income (ytd only)* | 54.9685% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4418% | 1,810 |
| Loan loss allowance to noncurrent loans | 269.7917% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 1.0311% | 915 |
| Noncurrent loans to loans | 0.5344% | 2,377 |
| Net loans and leases to total assets | 44.0640% | 4,244 |
| Net loans and leases to deposits | 61.7268% | 3,625 |
| Net loans and leases to core deposits | 68.5522% | 3,369 |
| Total domestic deposits to total assets | 71.3855% | 4,740 |
| Equity capital to assets | 11.5684% | 1,836 |
| Core capital (leverage) ratio | 10.3072% | 2,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,494,420,200 | 620 |
| Average earning assets | $1,445,054,200 | 582 |
| Average equity | $180,986,600 | 553 |
| Average total loans | $701,459,400 | 866 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3803% | 4,375 |
| Cost of funding earning assets | 0.7701% | 1,637 |
| Net interest margin | 2.6103% | 4,562 |
| Noninterest income to average assets | 0.3293% | 3,509 |
| Noninterest expense to average assets | 1.4866% | 4,817 |
| Loan and lease loss provision to assets | 0.0818% | 3,293 |
| Net operating income to assets | 1.0146% | 2,278 |
| Return on assets (ROA) | 1.1520% | 1,927 |
| Pretax return on assets | 1.4555% | 1,560 |
| Return on Equity (ROE) | 9.3972% | 2,246 |
| Retained earnings to average equity (ytd only) | 6.0593% | 2,084 |
| Net charge-offs to loans | -0.1180% | 4,848 |
| Credit loss provision to net charge-offs | -145.8671% | 3,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4789% | 4,383 |
| Assets per employee ($millions) | 6.8468% | 1,594 |
| Cash dividends to net income (ytd only)* | 35.5198% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4263% | 1,629 |
| Loan loss allowance to noncurrent loans | 268.9887% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 1.0058% | 1,102 |
| Noncurrent loans to loans | 0.5303% | 2,476 |
| Net loans and leases to total assets | 44.4709% | 4,400 |
| Net loans and leases to deposits | 62.9479% | 3,865 |
| Net loans and leases to core deposits | 68.8233% | 3,706 |
| Total domestic deposits to total assets | 70.6472% | 4,736 |
| Equity capital to assets | 12.0974% | 1,626 |
| Core capital (leverage) ratio | 10.8689% | 1,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,466,226,750 | 609 |
| Average earning assets | $1,415,915,250 | 581 |
| Average equity | $179,751,500 | 552 |
| Average total loans | $697,185,750 | 866 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5033% | 4,400 |
| Cost of funding earning assets | 0.8443% | 1,619 |
| Net interest margin | 2.6590% | 4,600 |
| Noninterest income to average assets | 0.3100% | 3,607 |
| Noninterest expense to average assets | 1.5013% | 4,846 |
| Loan and lease loss provision to assets | 0.0835% | 3,239 |
| Net operating income to assets | 1.0193% | 2,257 |
| Return on assets (ROA) | 1.1963% | 1,778 |
| Pretax return on assets | 1.5119% | 1,423 |
| Return on Equity (ROE) | 9.7121% | 2,075 |
| Retained earnings to average equity (ytd only) | 4.6272% | 2,650 |
| Net charge-offs to loans | -0.0138% | 4,296 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5699% | 4,392 |
| Assets per employee ($millions) | 6.5196% | 1,763 |
| Cash dividends to net income (ytd only)* | 52.3560% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 2,124 |
| Loan loss allowance to noncurrent loans | 201.0568% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 1.0508% | 1,114 |
| Noncurrent loans to loans | 0.6345% | 2,276 |
| Net loans and leases to total assets | 47.1282% | 4,307 |
| Net loans and leases to deposits | 68.3246% | 3,537 |
| Net loans and leases to core deposits | 72.8264% | 3,535 |
| Total domestic deposits to total assets | 68.9769% | 4,820 |
| Equity capital to assets | 12.2606% | 1,507 |
| Core capital (leverage) ratio | 10.9679% | 1,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,436,896,667 | 612 |
| Average earning assets | $1,384,793,333 | 582 |
| Average equity | $176,995,333 | 555 |
| Average total loans | $695,855,667 | 861 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7019% | 4,395 |
| Cost of funding earning assets | 0.9758% | 1,536 |
| Net interest margin | 2.7261% | 4,643 |
| Noninterest income to average assets | 0.3036% | 3,693 |
| Noninterest expense to average assets | 1.4895% | 4,927 |
| Loan and lease loss provision to assets | 0.0854% | 2,623 |
| Net operating income to assets | 1.0583% | 1,976 |
| Return on assets (ROA) | 1.3449% | 1,210 |
| Pretax return on assets | 1.7152% | 837 |
| Return on Equity (ROE) | 10.8913% | 1,444 |
| Retained earnings to average equity (ytd only) | 10.8913% | 580 |
| Net charge-offs to loans | -0.0029% | 3,717 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1944% | 4,659 |
| Assets per employee ($millions) | 6.2560% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 2,329 |
| Loan loss allowance to noncurrent loans | 176.9835% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 1.1369% | 1,125 |
| Noncurrent loans to loans | 0.7130% | 2,215 |
| Net loans and leases to total assets | 48.8560% | 4,296 |
| Net loans and leases to deposits | 70.7406% | 3,540 |
| Net loans and leases to core deposits | 76.7620% | 3,444 |
| Total domestic deposits to total assets | 69.0635% | 4,893 |
| Equity capital to assets | 12.3875% | 1,798 |
| Core capital (leverage) ratio | 11.5926% | 1,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,405,591,000 | 604 |
| Average earning assets | $1,352,717,500 | 571 |
| Average equity | $173,569,000 | 562 |
| Average total loans | $685,872,000 | 849 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8799% | 4,471 |
| Cost of funding earning assets | 1.0915% | 1,358 |
| Net interest margin | 2.7884% | 4,766 |
| Noninterest income to average assets | 0.2839% | 3,985 |
| Noninterest expense to average assets | 1.6166% | 4,938 |
| Loan and lease loss provision to assets | 0.0797% | 2,400 |
| Net operating income to assets | 1.0259% | 2,746 |
| Return on assets (ROA) | 1.2603% | 1,919 |
| Pretax return on assets | 1.5836% | 1,530 |
| Return on Equity (ROE) | 10.3317% | 2,147 |
| Retained earnings to average equity (ytd only) | 3.7397% | 3,107 |
| Net charge-offs to loans | -0.0939% | 4,945 |
| Credit loss provision to net charge-offs | -173.7757% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4294% | 4,481 |
| Assets per employee ($millions) | 6.2382% | 1,460 |
| Cash dividends to net income (ytd only)* | 63.8041% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 2,134 |
| Loan loss allowance to noncurrent loans | 126.4570% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 1.2611% | 890 |
| Noncurrent loans to loans | 0.9935% | 1,531 |
| Net loans and leases to total assets | 47.5052% | 4,447 |
| Net loans and leases to deposits | 68.2582% | 3,798 |
| Net loans and leases to core deposits | 72.8354% | 3,807 |
| Total domestic deposits to total assets | 69.5963% | 4,949 |
| Equity capital to assets | 12.3093% | 1,947 |
| Core capital (leverage) ratio | 11.2352% | 2,303 |
| Tier 1 risk-based capital ratio | 18.0419% | 1,748 |
| Total risk-based capital ratio | 19.0301% | 1,770 |
| Memoranda: | ||
| Average total assets | $1,380,396,800 | 590 |
| Average earning assets | $1,338,128,000 | 562 |
| Average equity | $168,384,200 | 546 |
| Average total loans | $674,148,800 | 833 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8983% | 4,544 |
| Cost of funding earning assets | 1.1012% | 1,351 |
| Net interest margin | 2.7971% | 4,863 |
| Noninterest income to average assets | 0.2785% | 4,081 |
| Noninterest expense to average assets | 1.5221% | 5,058 |
| Loan and lease loss provision to assets | 0.0970% | 1,968 |
| Net operating income to assets | 1.0827% | 2,642 |
| Return on assets (ROA) | 1.3657% | 1,656 |
| Pretax return on assets | 1.7288% | 1,252 |
| Return on Equity (ROE) | 11.2219% | 1,917 |
| Retained earnings to average equity (ytd only) | 9.1497% | 1,008 |
| Net charge-offs to loans | -0.1569% | 5,073 |
| Credit loss provision to net charge-offs | -126.1034% | 4,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2174% | 4,730 |
| Assets per employee ($millions) | 6.4237% | 1,315 |
| Cash dividends to net income (ytd only)* | 18.4659% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2665% | 2,135 |
| Loan loss allowance to noncurrent loans | 164.3077% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 1.1579% | 1,111 |
| Noncurrent loans to loans | 0.7708% | 2,041 |
| Net loans and leases to total assets | 48.2282% | 4,503 |
| Net loans and leases to deposits | 70.5024% | 3,736 |
| Net loans and leases to core deposits | 74.6119% | 3,793 |
| Total domestic deposits to total assets | 68.4065% | 5,054 |
| Equity capital to assets | 12.9236% | 1,671 |
| Core capital (leverage) ratio | 11.7812% | 2,011 |
| Tier 1 risk-based capital ratio | 18.6158% | 1,659 |
| Total risk-based capital ratio | 19.6094% | 1,690 |
| Memoranda: | ||
| Average total assets | $1,374,600,000 | 596 |
| Average earning assets | $1,332,355,750 | 566 |
| Average equity | $167,287,250 | 550 |
| Average total loans | $673,871,250 | 838 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8137% | 4,700 |
| Cost of funding earning assets | 1.0827% | 1,368 |
| Net interest margin | 2.7310% | 4,976 |
| Noninterest income to average assets | 0.2571% | 4,214 |
| Noninterest expense to average assets | 1.5013% | 5,118 |
| Loan and lease loss provision to assets | 0.0437% | 2,951 |
| Net operating income to assets | 1.0801% | 2,602 |
| Return on assets (ROA) | 1.3126% | 1,792 |
| Pretax return on assets | 1.6538% | 1,387 |
| Return on Equity (ROE) | 11.0141% | 1,963 |
| Retained earnings to average equity (ytd only) | 7.8347% | 1,456 |
| Net charge-offs to loans | -0.0056% | 4,161 |
| Credit loss provision to net charge-offs | -1,578.9474% | 4,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9683% | 4,730 |
| Assets per employee ($millions) | 6.3760% | 1,296 |
| Cash dividends to net income (ytd only)* | 28.8664% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0211% | 3,499 |
| Loan loss allowance to noncurrent loans | 115.0716% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 1.1864% | 1,126 |
| Noncurrent loans to loans | 0.8874% | 1,835 |
| Net loans and leases to total assets | 49.0786% | 4,518 |
| Net loans and leases to deposits | 72.9760% | 3,602 |
| Net loans and leases to core deposits | 78.6869% | 3,525 |
| Total domestic deposits to total assets | 67.2531% | 5,127 |
| Equity capital to assets | 12.2977% | 1,988 |
| Core capital (leverage) ratio | 11.5493% | 2,123 |
| Tier 1 risk-based capital ratio | 17.3164% | 1,992 |
| Total risk-based capital ratio | 18.1069% | 2,072 |
| Memoranda: | ||
| Average total assets | $1,372,436,670 | 596 |
| Average earning assets | $1,330,518,330 | 567 |
| Average equity | $163,554,000 | 561 |
| Average total loans | $673,622,000 | 839 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8218% | 4,676 |
| Cost of funding earning assets | 1.0666% | 1,303 |
| Net interest margin | 2.7552% | 5,023 |
| Noninterest income to average assets | 0.2634% | 4,123 |
| Noninterest expense to average assets | 1.4665% | 5,192 |
| Loan and lease loss provision to assets | 0.0441% | 2,754 |
| Net operating income to assets | 1.1117% | 2,426 |
| Return on assets (ROA) | 1.5153% | 1,104 |
| Pretax return on assets | 1.9326% | 740 |
| Return on Equity (ROE) | 12.9277% | 1,240 |
| Retained earnings to average equity (ytd only) | 12.9277% | 470 |
| Net charge-offs to loans | -0.0012% | 3,814 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3031% | 4,870 |
| Assets per employee ($millions) | 6.1574% | 1,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 3,536 |
| Loan loss allowance to noncurrent loans | 137.0187% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 1.1595% | 1,165 |
| Noncurrent loans to loans | 0.7502% | 2,155 |
| Net loans and leases to total assets | 48.8442% | 4,534 |
| Net loans and leases to deposits | 71.7086% | 3,624 |
| Net loans and leases to core deposits | 75.9406% | 3,665 |
| Total domestic deposits to total assets | 68.1148% | 5,172 |
| Equity capital to assets | 12.1337% | 1,943 |
| Core capital (leverage) ratio | 11.4220% | 2,195 |
| Tier 1 risk-based capital ratio | 17.1745% | 2,054 |
| Total risk-based capital ratio | 17.9467% | 2,157 |
| Memoranda: | ||
| Average total assets | $1,360,479,500 | 604 |
| Average earning assets | $1,317,812,500 | 574 |
| Average equity | $159,471,500 | 571 |
| Average total loans | $664,243,000 | 849 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6442% | 4,750 |
| Cost of funding earning assets | 0.8057% | 1,496 |
| Net interest margin | 2.8386% | 4,985 |
| Noninterest income to average assets | 0.2988% | 4,107 |
| Noninterest expense to average assets | 1.6352% | 5,142 |
| Loan and lease loss provision to assets | 0.0665% | 2,823 |
| Net operating income to assets | 1.0817% | 2,671 |
| Return on assets (ROA) | 1.2216% | 2,074 |
| Pretax return on assets | 1.5142% | 1,734 |
| Return on Equity (ROE) | 10.9164% | 2,117 |
| Retained earnings to average equity (ytd only) | 7.2619% | 1,553 |
| Net charge-offs to loans | 0.0199% | 3,033 |
| Credit loss provision to net charge-offs | 720.6612% | 491 |
| Earnings coverage of net charge-offs (x) | 152.5124% | 557 |
| Efficiency ratio | 52.5787% | 4,748 |
| Assets per employee ($millions) | 6.0994% | 1,457 |
| Cash dividends to net income (ytd only)* | 33.4770% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 3,507 |
| Loan loss allowance to noncurrent loans | 141.7086% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 1.0746% | 1,257 |
| Noncurrent loans to loans | 0.7252% | 2,178 |
| Net loans and leases to total assets | 47.8003% | 4,653 |
| Net loans and leases to deposits | 68.9543% | 3,907 |
| Net loans and leases to core deposits | 71.6488% | 4,017 |
| Total domestic deposits to total assets | 69.3217% | 5,177 |
| Equity capital to assets | 11.3096% | 2,408 |
| Core capital (leverage) ratio | 11.3825% | 2,195 |
| Tier 1 risk-based capital ratio | 16.9304% | 2,091 |
| Total risk-based capital ratio | 17.7010% | 2,192 |
| Memoranda: | ||
| Average total assets | $1,310,641,400 | 601 |
| Average earning assets | $1,267,149,800 | 576 |
| Average equity | $146,668,600 | 590 |
| Average total loans | $608,951,800 | 880 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5975% | 4,809 |
| Cost of funding earning assets | 0.7543% | 1,564 |
| Net interest margin | 2.8432% | 5,044 |
| Noninterest income to average assets | 0.2844% | 4,253 |
| Noninterest expense to average assets | 1.5948% | 5,211 |
| Loan and lease loss provision to assets | 0.0565% | 2,844 |
| Net operating income to assets | 1.1085% | 2,624 |
| Return on assets (ROA) | 1.2801% | 1,927 |
| Pretax return on assets | 1.5959% | 1,595 |
| Return on Equity (ROE) | 11.4714% | 1,991 |
| Retained earnings to average equity (ytd only) | 8.9314% | 1,247 |
| Net charge-offs to loans | -0.0648% | 5,026 |
| Credit loss provision to net charge-offs | -189.6552% | 4,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2733% | 4,866 |
| Assets per employee ($millions) | 6.0505% | 1,455 |
| Cash dividends to net income (ytd only)* | 22.1420% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 3,291 |
| Loan loss allowance to noncurrent loans | 165.7378% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 1.0511% | 1,378 |
| Noncurrent loans to loans | 0.6527% | 2,453 |
| Net loans and leases to total assets | 46.9850% | 4,754 |
| Net loans and leases to deposits | 63.3532% | 4,369 |
| Net loans and leases to core deposits | 68.9328% | 4,251 |
| Total domestic deposits to total assets | 74.1635% | 4,962 |
| Equity capital to assets | 11.2436% | 2,435 |
| Core capital (leverage) ratio | 11.2753% | 2,353 |
| Tier 1 risk-based capital ratio | 17.1893% | 2,026 |
| Total risk-based capital ratio | 17.9876% | 2,138 |
| Memoranda: | ||
| Average total assets | $1,298,259,750 | 603 |
| Average earning assets | $1,254,940,500 | 579 |
| Average equity | $144,878,500 | 589 |
| Average total loans | $596,960,750 | 900 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5787% | 4,800 |
| Cost of funding earning assets | 0.7031% | 1,605 |
| Net interest margin | 2.8756% | 5,051 |
| Noninterest income to average assets | 0.2823% | 4,294 |
| Noninterest expense to average assets | 1.6005% | 5,268 |
| Loan and lease loss provision to assets | 0.0854% | 2,205 |
| Net operating income to assets | 1.0986% | 2,587 |
| Return on assets (ROA) | 1.3349% | 1,658 |
| Pretax return on assets | 1.6705% | 1,297 |
| Return on Equity (ROE) | 11.9930% | 1,725 |
| Retained earnings to average equity (ytd only) | 8.6989% | 1,326 |
| Net charge-offs to loans | -0.0875% | 5,123 |
| Credit loss provision to net charge-offs | -214.8438% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6776% | 4,986 |
| Assets per employee ($millions) | 5.8711% | 1,572 |
| Cash dividends to net income (ytd only)* | 27.4674% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 3,086 |
| Loan loss allowance to noncurrent loans | 194.7353% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 1.0147% | 1,484 |
| Noncurrent loans to loans | 0.5807% | 2,681 |
| Net loans and leases to total assets | 45.6569% | 4,841 |
| Net loans and leases to deposits | 61.7077% | 4,438 |
| Net loans and leases to core deposits | 65.9380% | 4,371 |
| Total domestic deposits to total assets | 73.9889% | 5,044 |
| Equity capital to assets | 11.3575% | 2,305 |
| Core capital (leverage) ratio | 11.1519% | 2,390 |
| Tier 1 risk-based capital ratio | 17.2430% | 2,022 |
| Total risk-based capital ratio | 18.0595% | 2,107 |
| Memoranda: | ||
| Average total assets | $1,287,310,000 | 607 |
| Average earning assets | $1,243,987,670 | 582 |
| Average equity | $143,283,000 | 592 |
| Average total loans | $585,194,000 | 915 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5213% | 4,842 |
| Cost of funding earning assets | 0.6571% | 1,680 |
| Net interest margin | 2.8642% | 5,078 |
| Noninterest income to average assets | 0.2848% | 4,269 |
| Noninterest expense to average assets | 1.6018% | 5,327 |
| Loan and lease loss provision to assets | 0.0938% | 1,944 |
| Net operating income to assets | 1.0965% | 2,437 |
| Return on assets (ROA) | 1.1991% | 2,020 |
| Pretax return on assets | 1.4824% | 1,720 |
| Return on Equity (ROE) | 10.8865% | 2,017 |
| Retained earnings to average equity (ytd only) | 10.8865% | 921 |
| Net charge-offs to loans | -0.0049% | 4,004 |
| Credit loss provision to net charge-offs | -4,285.7143% | 4,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6917% | 5,046 |
| Assets per employee ($millions) | 5.8277% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0855% | 3,477 |
| Loan loss allowance to noncurrent loans | 184.1460% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 1.1744% | 1,305 |
| Noncurrent loans to loans | 0.5895% | 2,770 |
| Net loans and leases to total assets | 45.0306% | 4,849 |
| Net loans and leases to deposits | 61.4772% | 4,372 |
| Net loans and leases to core deposits | 64.2138% | 4,411 |
| Total domestic deposits to total assets | 73.2476% | 5,209 |
| Equity capital to assets | 11.0289% | 2,550 |
| Core capital (leverage) ratio | 11.0446% | 2,395 |
| Tier 1 risk-based capital ratio | 17.4474% | 1,990 |
| Total risk-based capital ratio | 18.2268% | 2,074 |
| Memoranda: | ||
| Average total assets | $1,279,274,500 | 617 |
| Average earning assets | $1,235,666,500 | 586 |
| Average equity | $140,908,500 | 613 |
| Average total loans | $576,846,500 | 930 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4026% | 4,933 |
| Cost of funding earning assets | 0.5534% | 1,927 |
| Net interest margin | 2.8492% | 5,109 |
| Noninterest income to average assets | 0.2966% | 4,326 |
| Noninterest expense to average assets | 1.6736% | 5,358 |
| Loan and lease loss provision to assets | 0.1700% | 1,294 |
| Net operating income to assets | 0.8976% | 2,724 |
| Return on assets (ROA) | 0.9221% | 2,614 |
| Pretax return on assets | 1.2328% | 2,623 |
| Return on Equity (ROE) | 8.3854% | 2,610 |
| Retained earnings to average equity (ytd only) | 5.1147% | 2,058 |
| Net charge-offs to loans | 0.0275% | 3,259 |
| Credit loss provision to net charge-offs | 1,390.3226% | 281 |
| Earnings coverage of net charge-offs (x) | 112.0839% | 599 |
| Efficiency ratio | 53.1625% | 5,019 |
| Assets per employee ($millions) | 5.7761% | 1,680 |
| Cash dividends to net income (ytd only)* | 39.0044% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0477% | 3,642 |
| Loan loss allowance to noncurrent loans | 141.2762% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 1.1855% | 1,252 |
| Noncurrent loans to loans | 0.7416% | 2,355 |
| Net loans and leases to total assets | 44.1927% | 4,967 |
| Net loans and leases to deposits | 59.9791% | 4,569 |
| Net loans and leases to core deposits | 62.1555% | 4,647 |
| Total domestic deposits to total assets | 73.6802% | 5,213 |
| Equity capital to assets | 11.0006% | 2,621 |
| Core capital (leverage) ratio | 10.6737% | 2,674 |
| Tier 1 risk-based capital ratio | 17.1834% | 2,030 |
| Total risk-based capital ratio | 17.9328% | 2,153 |
| Memoranda: | ||
| Average total assets | $1,267,921,400 | 601 |
| Average earning assets | $1,222,497,600 | 577 |
| Average equity | $139,420,600 | 584 |
| Average total loans | $564,032,400 | 915 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3932% | 4,970 |
| Cost of funding earning assets | 0.5338% | 1,998 |
| Net interest margin | 2.8594% | 5,145 |
| Noninterest income to average assets | 0.2966% | 4,408 |
| Noninterest expense to average assets | 1.6367% | 5,415 |
| Loan and lease loss provision to assets | 0.1898% | 1,028 |
| Net operating income to assets | 0.9206% | 2,922 |
| Return on assets (ROA) | 0.9317% | 2,932 |
| Pretax return on assets | 1.2408% | 2,746 |
| Return on Equity (ROE) | 8.4740% | 2,893 |
| Retained earnings to average equity (ytd only) | 6.3639% | 2,025 |
| Net charge-offs to loans | 0.0774% | 2,035 |
| Credit loss provision to net charge-offs | 552.1472% | 573 |
| Earnings coverage of net charge-offs (x) | 41.1837% | 1,272 |
| Efficiency ratio | 51.7930% | 5,119 |
| Assets per employee ($millions) | 5.6952% | 1,724 |
| Cash dividends to net income (ytd only)* | 24.9010% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 4,210 |
| Loan loss allowance to noncurrent loans | 118.2545% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 1.2780% | 1,264 |
| Noncurrent loans to loans | 0.8246% | 2,306 |
| Net loans and leases to total assets | 43.7688% | 5,040 |
| Net loans and leases to deposits | 58.5758% | 4,715 |
| Net loans and leases to core deposits | 61.4532% | 4,743 |
| Total domestic deposits to total assets | 74.7217% | 5,164 |
| Equity capital to assets | 11.3755% | 2,491 |
| Core capital (leverage) ratio | 10.9882% | 2,473 |
| Tier 1 risk-based capital ratio | 17.7207% | 1,939 |
| Total risk-based capital ratio | 18.4310% | 2,057 |
| Memoranda: | ||
| Average total assets | $1,264,328,750 | 603 |
| Average earning assets | $1,218,547,750 | 578 |
| Average equity | $139,010,750 | 589 |
| Average total loans | $561,870,500 | 915 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3745% | 4,997 |
| Cost of funding earning assets | 0.5207% | 2,006 |
| Net interest margin | 2.8538% | 5,159 |
| Noninterest income to average assets | 0.2932% | 4,452 |
| Noninterest expense to average assets | 1.6494% | 5,454 |
| Loan and lease loss provision to assets | 0.1901% | 983 |
| Net operating income to assets | 0.8637% | 3,104 |
| Return on assets (ROA) | 0.8674% | 3,141 |
| Pretax return on assets | 1.2051% | 2,754 |
| Return on Equity (ROE) | 7.9816% | 3,043 |
| Retained earnings to average equity (ytd only) | 4.7744% | 2,868 |
| Net charge-offs to loans | -0.0249% | 4,865 |
| Credit loss provision to net charge-offs | -1,714.2857% | 4,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4289% | 5,142 |
| Assets per employee ($millions) | 5.7214% | 1,680 |
| Cash dividends to net income (ytd only)* | 40.1826% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9248% | 4,533 |
| Loan loss allowance to noncurrent loans | 105.2316% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.3069% | 1,265 |
| Noncurrent loans to loans | 0.8788% | 2,222 |
| Net loans and leases to total assets | 44.8534% | 5,004 |
| Net loans and leases to deposits | 59.6507% | 4,656 |
| Net loans and leases to core deposits | 61.1271% | 4,763 |
| Total domestic deposits to total assets | 75.1934% | 5,179 |
| Equity capital to assets | 11.2618% | 2,534 |
| Core capital (leverage) ratio | 10.5480% | 2,863 |
| Tier 1 risk-based capital ratio | 17.1545% | 2,116 |
| Total risk-based capital ratio | 17.8342% | 2,239 |
| Memoranda: | ||
| Average total assets | $1,262,427,670 | 608 |
| Average earning assets | $1,214,859,330 | 580 |
| Average equity | $137,190,000 | 594 |
| Average total loans | $562,043,330 | 913 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3445% | 5,041 |
| Cost of funding earning assets | 0.5018% | 2,073 |
| Net interest margin | 2.8428% | 5,181 |
| Noninterest income to average assets | 0.3037% | 4,386 |
| Noninterest expense to average assets | 1.6161% | 5,547 |
| Loan and lease loss provision to assets | 0.1898% | 882 |
| Net operating income to assets | 0.8861% | 2,832 |
| Return on assets (ROA) | 0.8916% | 2,850 |
| Pretax return on assets | 1.2371% | 2,455 |
| Return on Equity (ROE) | 8.3553% | 2,743 |
| Retained earnings to average equity (ytd only) | 8.3553% | 1,323 |
| Net charge-offs to loans | -0.1089% | 5,475 |
| Credit loss provision to net charge-offs | -394.7368% | 4,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4071% | 5,294 |
| Assets per employee ($millions) | 5.5878% | 1,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8430% | 4,947 |
| Loan loss allowance to noncurrent loans | 139.6005% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 1.1691% | 1,505 |
| Noncurrent loans to loans | 0.6039% | 3,009 |
| Net loans and leases to total assets | 44.4555% | 5,012 |
| Net loans and leases to deposits | 57.0735% | 4,756 |
| Net loans and leases to core deposits | 60.1461% | 4,768 |
| Total domestic deposits to total assets | 77.8917% | 4,977 |
| Equity capital to assets | 10.9518% | 2,685 |
| Core capital (leverage) ratio | 10.5526% | 2,840 |
| Tier 1 risk-based capital ratio | 17.5443% | 2,022 |
| Total risk-based capital ratio | 18.1740% | 2,164 |
| Memoranda: | ||
| Average total assets | $1,264,284,500 | 606 |
| Average earning assets | $1,214,874,500 | 580 |
| Average equity | $134,908,000 | 601 |
| Average total loans | $558,142,000 | 921 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2330% | 5,254 |
| Cost of funding earning assets | 0.5402% | 1,788 |
| Net interest margin | 2.6928% | 5,426 |
| Noninterest income to average assets | 0.3280% | 4,394 |
| Noninterest expense to average assets | 1.6263% | 5,632 |
| Loan and lease loss provision to assets | 0.3153% | 593 |
| Net operating income to assets | 0.7799% | 3,403 |
| Return on assets (ROA) | 0.7932% | 3,440 |
| Pretax return on assets | 0.9806% | 3,539 |
| Return on Equity (ROE) | 7.1237% | 3,406 |
| Retained earnings to average equity (ytd only) | -0.4109% | 5,364 |
| Net charge-offs to loans | 1.1748% | 145 |
| Credit loss provision to net charge-offs | 64.5449% | 3,186 |
| Earnings coverage of net charge-offs (x) | 2.6192% | 3,797 |
| Efficiency ratio | 54.2609% | 5,223 |
| Assets per employee ($millions) | 5.8317% | 1,596 |
| Cash dividends to net income (ytd only)* | 105.7683% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7238% | 5,311 |
| Loan loss allowance to noncurrent loans | 48.4086% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 1.4971% | 1,115 |
| Noncurrent loans to loans | 1.4953% | 1,343 |
| Net loans and leases to total assets | 43.1532% | 5,165 |
| Net loans and leases to deposits | 55.4991% | 4,941 |
| Net loans and leases to core deposits | 58.8635% | 4,914 |
| Total domestic deposits to total assets | 77.7548% | 5,009 |
| Equity capital to assets | 10.3927% | 3,281 |
| Core capital (leverage) ratio | 10.2973% | 3,110 |
| Tier 1 risk-based capital ratio | 17.1882% | 2,093 |
| Total risk-based capital ratio | 17.7182% | 2,299 |
| Memoranda: | ||
| Average total assets | $1,241,433,600 | 597 |
| Average earning assets | $1,188,351,600 | 566 |
| Average equity | $138,229,000 | 573 |
| Average total loans | $516,161,200 | 951 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2322% | 5,315 |
| Cost of funding earning assets | 0.5479% | 1,719 |
| Net interest margin | 2.6843% | 5,509 |
| Noninterest income to average assets | 0.3045% | 4,590 |
| Noninterest expense to average assets | 1.5715% | 5,712 |
| Loan and lease loss provision to assets | 0.3025% | 554 |
| Net operating income to assets | 0.8370% | 3,206 |
| Return on assets (ROA) | 0.8536% | 3,263 |
| Pretax return on assets | 1.0192% | 3,556 |
| Return on Equity (ROE) | 7.5368% | 3,277 |
| Retained earnings to average equity (ytd only) | -0.3005% | 5,416 |
| Net charge-offs to loans | 1.4171% | 98 |
| Credit loss provision to net charge-offs | 51.9577% | 3,007 |
| Earnings coverage of net charge-offs (x) | 2.2360% | 3,600 |
| Efficiency ratio | 53.1586% | 5,294 |
| Assets per employee ($millions) | 5.4300% | 1,928 |
| Cash dividends to net income (ytd only)* | 103.9873% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6638% | 5,500 |
| Loan loss allowance to noncurrent loans | 41.0537% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 1.5809% | 1,110 |
| Noncurrent loans to loans | 1.6170% | 1,328 |
| Net loans and leases to total assets | 42.4811% | 5,271 |
| Net loans and leases to deposits | 57.4535% | 4,908 |
| Net loans and leases to core deposits | 59.1464% | 4,988 |
| Total domestic deposits to total assets | 73.9400% | 5,440 |
| Equity capital to assets | 11.4793% | 2,530 |
| Core capital (leverage) ratio | 10.2377% | 3,294 |
| Tier 1 risk-based capital ratio | 17.7195% | 1,995 |
| Total risk-based capital ratio | 18.2063% | 2,200 |
| Memoranda: | ||
| Average total assets | $1,233,964,500 | 599 |
| Average earning assets | $1,180,979,750 | 566 |
| Average equity | $139,755,500 | 568 |
| Average total loans | $507,048,750 | 966 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1380% | 5,510 |
| Cost of funding earning assets | 0.5498% | 1,702 |
| Net interest margin | 2.5882% | 5,679 |
| Noninterest income to average assets | 0.2771% | 4,797 |
| Noninterest expense to average assets | 1.5035% | 5,834 |
| Loan and lease loss provision to assets | 0.1793% | 1,220 |
| Net operating income to assets | 0.8368% | 3,146 |
| Return on assets (ROA) | 0.8550% | 3,192 |
| Pretax return on assets | 1.0950% | 3,216 |
| Return on Equity (ROE) | 7.5840% | 3,216 |
| Retained earnings to average equity (ytd only) | -4.2922% | 5,714 |
| Net charge-offs to loans | 0.9959% | 188 |
| Credit loss provision to net charge-offs | 44.4265% | 2,725 |
| Earnings coverage of net charge-offs (x) | 3.1002% | 3,167 |
| Efficiency ratio | 53.0383% | 5,383 |
| Assets per employee ($millions) | 5.8925% | 1,486 |
| Cash dividends to net income (ytd only)* | 156.5955% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9037% | 4,948 |
| Loan loss allowance to noncurrent loans | 41.7308% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 1.7302% | 1,025 |
| Noncurrent loans to loans | 2.1656% | 880 |
| Net loans and leases to total assets | 40.1992% | 5,410 |
| Net loans and leases to deposits | 54.1536% | 5,128 |
| Net loans and leases to core deposits | 55.7147% | 5,192 |
| Total domestic deposits to total assets | 74.2318% | 5,496 |
| Equity capital to assets | 10.8575% | 3,227 |
| Core capital (leverage) ratio | 10.6081% | 2,842 |
| Tier 1 risk-based capital ratio | 18.0259% | 1,925 |
| Total risk-based capital ratio | 18.6982% | 2,049 |
| Memoranda: | ||
| Average total assets | $1,227,174,000 | 598 |
| Average earning assets | $1,174,650,000 | 572 |
| Average equity | $138,344,330 | 576 |
| Average total loans | $497,259,330 | 985 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3049% | 5,316 |
| Cost of funding earning assets | 0.5576% | 1,642 |
| Net interest margin | 2.7473% | 5,547 |
| Noninterest income to average assets | 0.2861% | 4,678 |
| Noninterest expense to average assets | 1.5390% | 5,874 |
| Loan and lease loss provision to assets | 0.1177% | 1,791 |
| Net operating income to assets | 0.9507% | 2,509 |
| Return on assets (ROA) | 0.9674% | 2,535 |
| Pretax return on assets | 1.2824% | 2,372 |
| Return on Equity (ROE) | 8.4110% | 2,700 |
| Retained earnings to average equity (ytd only) | 8.4110% | 1,295 |
| Net charge-offs to loans | -0.0075% | 4,413 |
| Credit loss provision to net charge-offs | -3,888.8889% | 4,992 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2622% | 5,551 |
| Assets per employee ($millions) | 5.6741% | 1,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 2,721 |
| Loan loss allowance to noncurrent loans | 401.2947% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 1.0591% | 2,091 |
| Noncurrent loans to loans | 0.3332% | 4,238 |
| Net loans and leases to total assets | 40.4942% | 5,431 |
| Net loans and leases to deposits | 56.2005% | 4,970 |
| Net loans and leases to core deposits | 58.0990% | 5,043 |
| Total domestic deposits to total assets | 72.0530% | 5,768 |
| Equity capital to assets | 11.7406% | 2,208 |
| Core capital (leverage) ratio | 11.7488% | 1,795 |
| Tier 1 risk-based capital ratio | 19.0875% | 1,712 |
| Total risk-based capital ratio | 19.9875% | 1,758 |
| Memoranda: | ||
| Average total assets | $1,189,637,000 | 614 |
| Average earning assets | $1,139,145,000 | 586 |
| Average equity | $136,820,500 | 580 |
| Average total loans | $481,755,500 | 1,007 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5626% | 4,771 |
| Cost of funding earning assets | 0.5470% | 1,790 |
| Net interest margin | 3.0156% | 5,101 |
| Noninterest income to average assets | 0.2914% | 4,805 |
| Noninterest expense to average assets | 1.6946% | 5,845 |
| Loan and lease loss provision to assets | 0.0704% | 2,874 |
| Net operating income to assets | 1.1063% | 1,896 |
| Return on assets (ROA) | 1.1138% | 1,923 |
| Pretax return on assets | 1.4169% | 1,833 |
| Return on Equity (ROE) | 9.9321% | 2,035 |
| Retained earnings to average equity (ytd only) | 7.3979% | 1,129 |
| Net charge-offs to loans | 0.1220% | 2,153 |
| Credit loss provision to net charge-offs | 144.4840% | 1,830 |
| Earnings coverage of net charge-offs (x) | 30.3505% | 1,447 |
| Efficiency ratio | 51.9937% | 5,635 |
| Assets per employee ($millions) | 5.7375% | 1,589 |
| Cash dividends to net income (ytd only)* | 25.5154% | 3,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 2,962 |
| Loan loss allowance to noncurrent loans | 151.0685% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 1.2564% | 1,701 |
| Noncurrent loans to loans | 0.8538% | 2,646 |
| Net loans and leases to total assets | 39.4371% | 5,548 |
| Net loans and leases to deposits | 55.1540% | 5,101 |
| Net loans and leases to core deposits | 58.3404% | 5,086 |
| Total domestic deposits to total assets | 71.5036% | 5,822 |
| Equity capital to assets | 11.2629% | 2,574 |
| Core capital (leverage) ratio | 10.6705% | 2,743 |
| Tier 1 risk-based capital ratio | 17.6536% | 2,071 |
| Total risk-based capital ratio | 18.5117% | 2,153 |
| Memoranda: | ||
| Average total assets | $1,154,185,400 | 609 |
| Average earning assets | $1,102,697,800 | 583 |
| Average equity | $129,428,200 | 587 |
| Average total loans | $460,636,000 | 1,001 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6759% | 4,499 |
| Cost of funding earning assets | 0.5371% | 1,914 |
| Net interest margin | 3.1388% | 4,847 |
| Noninterest income to average assets | 0.2874% | 4,889 |
| Noninterest expense to average assets | 1.6545% | 5,941 |
| Loan and lease loss provision to assets | 0.0786% | 2,599 |
| Net operating income to assets | 1.2252% | 1,570 |
| Return on assets (ROA) | 1.2290% | 1,614 |
| Pretax return on assets | 1.5564% | 1,518 |
| Return on Equity (ROE) | 10.9726% | 1,721 |
| Retained earnings to average equity (ytd only) | 9.2876% | 796 |
| Net charge-offs to loans | 0.0642% | 2,663 |
| Credit loss provision to net charge-offs | 306.8182% | 945 |
| Earnings coverage of net charge-offs (x) | 63.5991% | 877 |
| Efficiency ratio | 48.9838% | 5,823 |
| Assets per employee ($millions) | 5.4543% | 1,819 |
| Cash dividends to net income (ytd only)* | 15.3569% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3996% | 2,603 |
| Loan loss allowance to noncurrent loans | 197.1765% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 1.2468% | 1,880 |
| Noncurrent loans to loans | 0.7098% | 3,203 |
| Net loans and leases to total assets | 38.5355% | 5,668 |
| Net loans and leases to deposits | 54.6291% | 5,212 |
| Net loans and leases to core deposits | 57.8504% | 5,195 |
| Total domestic deposits to total assets | 70.5402% | 5,949 |
| Equity capital to assets | 11.5629% | 2,453 |
| Core capital (leverage) ratio | 11.0263% | 2,460 |
| Tier 1 risk-based capital ratio | 19.2860% | 1,711 |
| Total risk-based capital ratio | 20.2601% | 1,743 |
| Memoranda: | ||
| Average total assets | $1,144,383,750 | 619 |
| Average earning assets | $1,092,788,750 | 593 |
| Average equity | $128,182,500 | 598 |
| Average total loans | $456,597,750 | 1,014 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4877% | 5,021 |
| Cost of funding earning assets | 0.5304% | 1,982 |
| Net interest margin | 2.9573% | 5,322 |
| Noninterest income to average assets | 0.2825% | 4,933 |
| Noninterest expense to average assets | 1.6317% | 6,033 |
| Loan and lease loss provision to assets | 0.0790% | 2,532 |
| Net operating income to assets | 1.1412% | 1,803 |
| Return on assets (ROA) | 1.1412% | 1,882 |
| Pretax return on assets | 1.3975% | 1,989 |
| Return on Equity (ROE) | 10.3019% | 1,931 |
| Retained earnings to average equity (ytd only) | 7.7331% | 1,373 |
| Net charge-offs to loans | 0.0481% | 2,744 |
| Credit loss provision to net charge-offs | 409.0909% | 733 |
| Earnings coverage of net charge-offs (x) | 76.4182% | 730 |
| Efficiency ratio | 51.0201% | 5,800 |
| Assets per employee ($millions) | 5.1947% | 2,038 |
| Cash dividends to net income (ytd only)* | 24.9346% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 2,967 |
| Loan loss allowance to noncurrent loans | 183.6915% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 1.2758% | 1,972 |
| Noncurrent loans to loans | 0.7374% | 3,266 |
| Net loans and leases to total assets | 39.9447% | 5,637 |
| Net loans and leases to deposits | 54.7204% | 5,210 |
| Net loans and leases to core deposits | 58.5444% | 5,157 |
| Total domestic deposits to total assets | 72.9980% | 5,870 |
| Equity capital to assets | 11.1016% | 2,777 |
| Core capital (leverage) ratio | 10.6455% | 2,797 |
| Tier 1 risk-based capital ratio | 18.6056% | 1,897 |
| Total risk-based capital ratio | 19.5595% | 1,942 |
| Memoranda: | ||
| Average total assets | $1,138,590,670 | 623 |
| Average earning assets | $1,087,939,670 | 593 |
| Average equity | $126,132,330 | 609 |
| Average total loans | $457,448,330 | 1,015 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5272% | 4,892 |
| Cost of funding earning assets | 0.5209% | 2,103 |
| Net interest margin | 3.0063% | 5,200 |
| Noninterest income to average assets | 0.2802% | 4,938 |
| Noninterest expense to average assets | 1.5883% | 6,123 |
| Loan and lease loss provision to assets | 0.0790% | 2,376 |
| Net operating income to assets | 1.2379% | 1,439 |
| Return on assets (ROA) | 1.2379% | 1,525 |
| Pretax return on assets | 1.4868% | 1,606 |
| Return on Equity (ROE) | 11.1860% | 1,582 |
| Retained earnings to average equity (ytd only) | 11.1860% | 688 |
| Net charge-offs to loans | 0.0711% | 2,017 |
| Credit loss provision to net charge-offs | 277.7778% | 857 |
| Earnings coverage of net charge-offs (x) | 55.0494% | 785 |
| Efficiency ratio | 48.9089% | 5,977 |
| Assets per employee ($millions) | 5.3437% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 3,264 |
| Loan loss allowance to noncurrent loans | 191.3870% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 1.2586% | 2,120 |
| Noncurrent loans to loans | 0.6933% | 3,544 |
| Net loans and leases to total assets | 39.4873% | 5,625 |
| Net loans and leases to deposits | 53.6609% | 5,220 |
| Net loans and leases to core deposits | 57.8181% | 5,134 |
| Total domestic deposits to total assets | 73.5867% | 5,936 |
| Equity capital to assets | 11.4137% | 2,549 |
| Core capital (leverage) ratio | 10.6408% | 2,804 |
| Tier 1 risk-based capital ratio | 19.9535% | 1,632 |
| Total risk-based capital ratio | 20.9559% | 1,652 |
| Memoranda: | ||
| Average total assets | $1,139,064,000 | 618 |
| Average earning assets | $1,088,920,000 | 586 |
| Average equity | $126,050,000 | 609 |
| Average total loans | $455,838,000 | 1,018 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8183% | 4,432 |
| Cost of funding earning assets | 0.5513% | 2,195 |
| Net interest margin | 3.2670% | 4,696 |
| Noninterest income to average assets | 0.2693% | 5,196 |
| Noninterest expense to average assets | 1.7485% | 6,117 |
| Loan and lease loss provision to assets | 0.1373% | 1,917 |
| Net operating income to assets | 1.1268% | 1,876 |
| Return on assets (ROA) | 1.1185% | 1,965 |
| Pretax return on assets | 1.4725% | 1,646 |
| Return on Equity (ROE) | 11.0931% | 1,700 |
| Retained earnings to average equity (ytd only) | 8.6971% | 771 |
| Net charge-offs to loans | 0.1447% | 2,594 |
| Credit loss provision to net charge-offs | 246.8189% | 1,032 |
| Earnings coverage of net charge-offs (x) | 29.1419% | 1,369 |
| Efficiency ratio | 50.4928% | 6,070 |
| Assets per employee ($millions) | 5.4282% | 1,829 |
| Cash dividends to net income (ytd only)* | 21.5995% | 3,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 3,459 |
| Loan loss allowance to noncurrent loans | 156.7065% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 1.5482% | 1,749 |
| Noncurrent loans to loans | 0.8253% | 3,248 |
| Net loans and leases to total assets | 39.5014% | 5,778 |
| Net loans and leases to deposits | 54.6412% | 5,277 |
| Net loans and leases to core deposits | 56.9852% | 5,316 |
| Total domestic deposits to total assets | 72.2922% | 6,063 |
| Equity capital to assets | 10.7191% | 3,213 |
| Core capital (leverage) ratio | 10.3700% | 3,088 |
| Tier 1 risk-based capital ratio | 18.9594% | 1,861 |
| Total risk-based capital ratio | 19.9275% | 1,902 |
| Memoranda: | ||
| Average total assets | $1,102,292,400 | 611 |
| Average earning assets | $1,045,912,600 | 589 |
| Average equity | $111,140,800 | 658 |
| Average total loans | $423,650,000 | 1,036 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9189% | 4,100 |
| Cost of funding earning assets | 0.5558% | 2,233 |
| Net interest margin | 3.3631% | 4,381 |
| Noninterest income to average assets | 0.2546% | 5,395 |
| Noninterest expense to average assets | 1.7017% | 6,209 |
| Loan and lease loss provision to assets | 0.1372% | 1,821 |
| Net operating income to assets | 1.1862% | 1,728 |
| Return on assets (ROA) | 1.1733% | 1,856 |
| Pretax return on assets | 1.5840% | 1,374 |
| Return on Equity (ROE) | 11.8310% | 1,522 |
| Retained earnings to average equity (ytd only) | 10.5491% | 581 |
| Net charge-offs to loans | 0.1332% | 2,458 |
| Credit loss provision to net charge-offs | 271.0843% | 986 |
| Earnings coverage of net charge-offs (x) | 34.3421% | 1,252 |
| Efficiency ratio | 48.0763% | 6,200 |
| Assets per employee ($millions) | 5.2075% | 2,006 |
| Cash dividends to net income (ytd only)* | 10.8350% | 3,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 3,541 |
| Loan loss allowance to noncurrent loans | 158.8759% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 1.5954% | 1,907 |
| Noncurrent loans to loans | 0.8318% | 3,497 |
| Net loans and leases to total assets | 38.4373% | 5,916 |
| Net loans and leases to deposits | 52.3533% | 5,514 |
| Net loans and leases to core deposits | 54.7476% | 5,524 |
| Total domestic deposits to total assets | 73.4191% | 6,063 |
| Equity capital to assets | 10.6626% | 3,351 |
| Core capital (leverage) ratio | 10.4289% | 3,122 |
| Tier 1 risk-based capital ratio | 19.2400% | 1,846 |
| Total risk-based capital ratio | 20.2009% | 1,884 |
| Memoranda: | ||
| Average total assets | $1,092,887,500 | 615 |
| Average earning assets | $1,035,288,500 | 591 |
| Average equity | $108,379,000 | 676 |
| Average total loans | $415,517,250 | 1,056 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9736% | 3,844 |
| Cost of funding earning assets | 0.5546% | 2,310 |
| Net interest margin | 3.4190% | 4,104 |
| Noninterest income to average assets | 0.2227% | 5,613 |
| Noninterest expense to average assets | 1.7113% | 6,257 |
| Loan and lease loss provision to assets | 0.1379% | 1,798 |
| Net operating income to assets | 1.1995% | 1,589 |
| Return on assets (ROA) | 1.1682% | 1,760 |
| Pretax return on assets | 1.5666% | 1,342 |
| Return on Equity (ROE) | 12.0896% | 1,394 |
| Retained earnings to average equity (ytd only) | 10.1064% | 697 |
| Net charge-offs to loans | 0.0341% | 3,527 |
| Credit loss provision to net charge-offs | 1,071.4286% | 310 |
| Earnings coverage of net charge-offs (x) | 135.6429% | 444 |
| Efficiency ratio | 48.1117% | 6,284 |
| Assets per employee ($millions) | 4.9147% | 2,323 |
| Cash dividends to net income (ytd only)* | 16.4043% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 3,457 |
| Loan loss allowance to noncurrent loans | 174.5544% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 1.6396% | 2,000 |
| Noncurrent loans to loans | 0.7900% | 3,722 |
| Net loans and leases to total assets | 37.2297% | 5,995 |
| Net loans and leases to deposits | 48.8754% | 5,717 |
| Net loans and leases to core deposits | 51.4782% | 5,699 |
| Total domestic deposits to total assets | 76.1726% | 5,895 |
| Equity capital to assets | 10.3815% | 3,582 |
| Core capital (leverage) ratio | 10.2509% | 3,266 |
| Tier 1 risk-based capital ratio | 19.0562% | 1,909 |
| Total risk-based capital ratio | 20.0320% | 1,941 |
| Memoranda: | ||
| Average total assets | $1,087,452,330 | 619 |
| Average earning assets | $1,028,895,330 | 595 |
| Average equity | $105,082,330 | 692 |
| Average total loans | $410,005,000 | 1,063 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8443% | 4,309 |
| Cost of funding earning assets | 0.5494% | 2,423 |
| Net interest margin | 3.2949% | 4,555 |
| Noninterest income to average assets | 0.2671% | 5,232 |
| Noninterest expense to average assets | 1.6510% | 6,388 |
| Loan and lease loss provision to assets | 0.1382% | 1,760 |
| Net operating income to assets | 1.1713% | 1,565 |
| Return on assets (ROA) | 1.1094% | 1,837 |
| Pretax return on assets | 1.5055% | 1,414 |
| Return on Equity (ROE) | 11.9261% | 1,428 |
| Retained earnings to average equity (ytd only) | 11.9261% | 618 |
| Net charge-offs to loans | 0.0108% | 3,409 |
| Credit loss provision to net charge-offs | 3,409.0909% | 109 |
| Earnings coverage of net charge-offs (x) | 426.1818% | 102 |
| Efficiency ratio | 47.4534% | 6,382 |
| Assets per employee ($millions) | 4.9893% | 2,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3479% | 3,861 |
| Loan loss allowance to noncurrent loans | 136.8717% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 1.7668% | 1,989 |
| Noncurrent loans to loans | 0.9848% | 3,456 |
| Net loans and leases to total assets | 36.2610% | 6,056 |
| Net loans and leases to deposits | 46.8691% | 5,789 |
| Net loans and leases to core deposits | 49.3988% | 5,800 |
| Total domestic deposits to total assets | 77.3665% | 5,919 |
| Equity capital to assets | 9.7604% | 4,153 |
| Core capital (leverage) ratio | 10.1149% | 3,410 |
| Tier 1 risk-based capital ratio | 18.8991% | 1,992 |
| Total risk-based capital ratio | 19.8342% | 2,063 |
| Memoranda: | ||
| Average total assets | $1,085,643,000 | 625 |
| Average earning assets | $1,025,098,000 | 600 |
| Average equity | $100,989,000 | 719 |
| Average total loans | $409,066,500 | 1,068 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9864% | 4,133 |
| Cost of funding earning assets | 0.5456% | 3,149 |
| Net interest margin | 3.4408% | 4,130 |
| Noninterest income to average assets | 0.2551% | 5,523 |
| Noninterest expense to average assets | 1.6951% | 6,452 |
| Loan and lease loss provision to assets | 0.1426% | 2,522 |
| Net operating income to assets | 1.2067% | 1,538 |
| Return on assets (ROA) | 1.2155% | 1,581 |
| Pretax return on assets | 1.6863% | 984 |
| Return on Equity (ROE) | 13.4381% | 1,080 |
| Retained earnings to average equity (ytd only) | 11.2013% | 397 |
| Net charge-offs to loans | 0.3041% | 2,167 |
| Credit loss provision to net charge-offs | 128.5949% | 1,825 |
| Earnings coverage of net charge-offs (x) | 16.3796% | 1,803 |
| Efficiency ratio | 46.9170% | 6,525 |
| Assets per employee ($millions) | 4.9708% | 2,214 |
| Cash dividends to net income (ytd only)* | 16.6454% | 3,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 4,714 |
| Loan loss allowance to noncurrent loans | 127.5836% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 1.6921% | 2,175 |
| Noncurrent loans to loans | 0.9327% | 3,662 |
| Net loans and leases to total assets | 38.1386% | 6,083 |
| Net loans and leases to deposits | 50.1834% | 5,758 |
| Net loans and leases to core deposits | 52.7187% | 5,745 |
| Total domestic deposits to total assets | 75.9984% | 6,095 |
| Equity capital to assets | 8.8466% | 5,201 |
| Core capital (leverage) ratio | 9.7832% | 3,867 |
| Tier 1 risk-based capital ratio | 17.3563% | 2,472 |
| Total risk-based capital ratio | 18.1806% | 2,602 |
| Memoranda: | ||
| Average total assets | $1,097,266,200 | 598 |
| Average earning assets | $1,038,567,400 | 571 |
| Average equity | $99,247,600 | 711 |
| Average total loans | $400,242,200 | 1,070 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9573% | 4,290 |
| Cost of funding earning assets | 0.5490% | 3,273 |
| Net interest margin | 3.4082% | 4,252 |
| Noninterest income to average assets | 0.2714% | 5,506 |
| Noninterest expense to average assets | 1.6214% | 6,538 |
| Loan and lease loss provision to assets | 0.1940% | 1,879 |
| Net operating income to assets | 1.2037% | 1,619 |
| Return on assets (ROA) | 1.2138% | 1,659 |
| Pretax return on assets | 1.6983% | 1,103 |
| Return on Equity (ROE) | 13.3472% | 1,153 |
| Retained earnings to average equity (ytd only) | 11.7470% | 460 |
| Net charge-offs to loans | 0.3012% | 2,027 |
| Credit loss provision to net charge-offs | 179.1713% | 1,350 |
| Earnings coverage of net charge-offs (x) | 17.3426% | 1,736 |
| Efficiency ratio | 44.9770% | 6,629 |
| Assets per employee ($millions) | 5.0679% | 2,087 |
| Cash dividends to net income (ytd only)* | 11.9892% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 4,188 |
| Loan loss allowance to noncurrent loans | 69.5884% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 2.0069% | 2,007 |
| Noncurrent loans to loans | 1.9283% | 2,328 |
| Net loans and leases to total assets | 36.5002% | 6,259 |
| Net loans and leases to deposits | 47.9182% | 5,965 |
| Net loans and leases to core deposits | 50.2413% | 5,999 |
| Total domestic deposits to total assets | 76.1720% | 6,153 |
| Equity capital to assets | 8.8677% | 5,336 |
| Core capital (leverage) ratio | 9.5902% | 4,264 |
| Tier 1 risk-based capital ratio | 17.4216% | 2,533 |
| Total risk-based capital ratio | 18.3295% | 2,641 |
| Memoranda: | ||
| Average total assets | $1,099,429,750 | 601 |
| Average earning assets | $1,041,330,000 | 572 |
| Average equity | $99,983,250 | 714 |
| Average total loans | $395,257,500 | 1,084 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9116% | 4,433 |
| Cost of funding earning assets | 0.5578% | 3,339 |
| Net interest margin | 3.3537% | 4,363 |
| Noninterest income to average assets | 0.2640% | 5,567 |
| Noninterest expense to average assets | 1.6163% | 6,577 |
| Loan and lease loss provision to assets | 0.2170% | 1,749 |
| Net operating income to assets | 1.2065% | 1,582 |
| Return on assets (ROA) | 1.2220% | 1,639 |
| Pretax return on assets | 1.6342% | 1,265 |
| Return on Equity (ROE) | 13.3290% | 1,165 |
| Retained earnings to average equity (ytd only) | 10.9622% | 650 |
| Net charge-offs to loans | 0.1010% | 3,351 |
| Credit loss provision to net charge-offs | 603.0151% | 480 |
| Earnings coverage of net charge-offs (x) | 50.8744% | 795 |
| Efficiency ratio | 45.5280% | 6,659 |
| Assets per employee ($millions) | 5.0654% | 2,034 |
| Cash dividends to net income (ytd only)* | 17.7567% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 3,806 |
| Loan loss allowance to noncurrent loans | 72.4001% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 1.8884% | 2,292 |
| Noncurrent loans to loans | 2.0034% | 2,401 |
| Net loans and leases to total assets | 35.2683% | 6,349 |
| Net loans and leases to deposits | 45.0100% | 6,167 |
| Net loans and leases to core deposits | 47.2059% | 6,165 |
| Total domestic deposits to total assets | 78.3566% | 5,907 |
| Equity capital to assets | 8.5968% | 5,674 |
| Core capital (leverage) ratio | 8.9540% | 5,072 |
| Tier 1 risk-based capital ratio | 16.9945% | 2,718 |
| Total risk-based capital ratio | 17.9634% | 2,806 |
| Memoranda: | ||
| Average total assets | $1,106,083,000 | 601 |
| Average earning assets | $1,049,751,000 | 567 |
| Average equity | $101,403,000 | 710 |
| Average total loans | $393,887,330 | 1,089 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8704% | 4,586 |
| Cost of funding earning assets | 0.5710% | 3,372 |
| Net interest margin | 3.2994% | 4,520 |
| Noninterest income to average assets | 0.2623% | 5,584 |
| Noninterest expense to average assets | 1.5622% | 6,691 |
| Loan and lease loss provision to assets | 0.2153% | 1,724 |
| Net operating income to assets | 1.2428% | 1,411 |
| Return on assets (ROA) | 1.2719% | 1,450 |
| Pretax return on assets | 1.6541% | 1,182 |
| Return on Equity (ROE) | 13.4635% | 1,062 |
| Retained earnings to average equity (ytd only) | 12.7037% | 595 |
| Net charge-offs to loans | -0.0404% | 6,036 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6548% | 6,746 |
| Assets per employee ($millions) | 5.3777% | 1,768 |
| Cash dividends to net income (ytd only)* | 5.6433% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3376% | 4,524 |
| Loan loss allowance to noncurrent loans | 87.2547% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 1.7034% | 2,739 |
| Noncurrent loans to loans | 1.5330% | 3,250 |
| Net loans and leases to total assets | 34.8973% | 6,370 |
| Net loans and leases to deposits | 44.4321% | 6,170 |
| Net loans and leases to core deposits | 47.6691% | 6,110 |
| Total domestic deposits to total assets | 78.5406% | 6,039 |
| Equity capital to assets | 9.5261% | 4,814 |
| Core capital (leverage) ratio | 8.6931% | 5,336 |
| Tier 1 risk-based capital ratio | 16.5684% | 2,968 |
| Total risk-based capital ratio | 17.4785% | 3,091 |
| Memoranda: | ||
| Average total assets | $1,114,592,500 | 601 |
| Average earning assets | $1,057,880,000 | 570 |
| Average equity | $105,292,000 | 689 |
| Average total loans | $395,957,500 | 1,074 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6290% | 2,886 |
| Cost of funding earning assets | 0.7216% | 3,313 |
| Net interest margin | 3.9074% | 2,795 |
| Noninterest income to average assets | 0.3035% | 5,278 |
| Noninterest expense to average assets | 1.8330% | 6,581 |
| Loan and lease loss provision to assets | 0.3321% | 2,045 |
| Net operating income to assets | 1.3793% | 1,132 |
| Return on assets (ROA) | 1.4160% | 1,183 |
| Pretax return on assets | 1.8802% | 781 |
| Return on Equity (ROE) | 15.4201% | 742 |
| Retained earnings to average equity (ytd only) | 10.7298% | 472 |
| Net charge-offs to loans | 0.8633% | 1,326 |
| Credit loss provision to net charge-offs | 100.0565% | 3,029 |
| Earnings coverage of net charge-offs (x) | 6.5179% | 2,803 |
| Efficiency ratio | 44.6022% | 6,827 |
| Assets per employee ($millions) | 5.1898% | 2,000 |
| Cash dividends to net income (ytd only)* | 30.4166% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 5,244 |
| Loan loss allowance to noncurrent loans | 63.2237% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 1.7311% | 2,800 |
| Noncurrent loans to loans | 1.8568% | 2,850 |
| Net loans and leases to total assets | 35.2616% | 6,481 |
| Net loans and leases to deposits | 44.8317% | 6,319 |
| Net loans and leases to core deposits | 48.3923% | 6,246 |
| Total domestic deposits to total assets | 78.6532% | 5,961 |
| Equity capital to assets | 9.3667% | 5,042 |
| Core capital (leverage) ratio | 8.4868% | 5,632 |
| Tier 1 risk-based capital ratio | 16.0168% | 3,155 |
| Total risk-based capital ratio | 16.8191% | 3,348 |
| Memoranda: | ||
| Average total assets | $1,066,198,800 | 616 |
| Average earning assets | $1,007,666,000 | 585 |
| Average equity | $97,905,000 | 725 |
| Average total loans | $409,919,800 | 1,022 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8159% | 2,332 |
| Cost of funding earning assets | 0.7499% | 3,352 |
| Net interest margin | 4.0660% | 2,226 |
| Noninterest income to average assets | 0.3059% | 5,337 |
| Noninterest expense to average assets | 1.8205% | 6,655 |
| Loan and lease loss provision to assets | 0.3286% | 1,999 |
| Net operating income to assets | 1.4487% | 1,127 |
| Return on assets (ROA) | 1.4810% | 1,171 |
| Pretax return on assets | 2.0429% | 641 |
| Return on Equity (ROE) | 16.2142% | 715 |
| Retained earnings to average equity (ytd only) | 13.0378% | 391 |
| Net charge-offs to loans | 0.7729% | 1,431 |
| Credit loss provision to net charge-offs | 108.5142% | 2,706 |
| Earnings coverage of net charge-offs (x) | 7.6841% | 2,573 |
| Efficiency ratio | 42.6547% | 6,942 |
| Assets per employee ($millions) | 5.1251% | 2,019 |
| Cash dividends to net income (ytd only)* | 19.5905% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2168% | 5,210 |
| Loan loss allowance to noncurrent loans | 42.1427% | 5,539 |
| Noncurrent assets plus other real estate owned to assets | 2.1813% | 2,457 |
| Noncurrent loans to loans | 2.8873% | 1,938 |
| Net loans and leases to total assets | 36.6143% | 6,516 |
| Net loans and leases to deposits | 47.1396% | 6,308 |
| Net loans and leases to core deposits | 50.3690% | 6,263 |
| Total domestic deposits to total assets | 77.6722% | 6,137 |
| Equity capital to assets | 9.5891% | 5,085 |
| Core capital (leverage) ratio | 8.5972% | 5,626 |
| Tier 1 risk-based capital ratio | 15.9232% | 3,302 |
| Total risk-based capital ratio | 16.7664% | 3,488 |
| Memoranda: | ||
| Average total assets | $1,055,092,250 | 629 |
| Average earning assets | $996,719,500 | 595 |
| Average equity | $96,374,000 | 740 |
| Average total loans | $413,330,750 | 1,016 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8543% | 2,288 |
| Cost of funding earning assets | 0.7679% | 3,453 |
| Net interest margin | 4.0863% | 2,146 |
| Noninterest income to average assets | 0.1689% | 6,334 |
| Noninterest expense to average assets | 1.8429% | 6,696 |
| Loan and lease loss provision to assets | 0.3244% | 2,030 |
| Net operating income to assets | 1.3267% | 1,371 |
| Return on assets (ROA) | 1.3486% | 1,468 |
| Pretax return on assets | 1.8873% | 868 |
| Return on Equity (ROE) | 15.0206% | 935 |
| Retained earnings to average equity (ytd only) | 10.1406% | 941 |
| Net charge-offs to loans | 1.2106% | 890 |
| Credit loss provision to net charge-offs | 67.1671% | 3,630 |
| Earnings coverage of net charge-offs (x) | 4.5152% | 3,056 |
| Efficiency ratio | 44.4866% | 6,935 |
| Assets per employee ($millions) | 4.9350% | 2,259 |
| Cash dividends to net income (ytd only)* | 32.4890% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9498% | 6,328 |
| Loan loss allowance to noncurrent loans | 37.9622% | 5,758 |
| Noncurrent assets plus other real estate owned to assets | 2.0525% | 2,719 |
| Noncurrent loans to loans | 2.5019% | 2,410 |
| Net loans and leases to total assets | 37.0202% | 6,545 |
| Net loans and leases to deposits | 46.4660% | 6,406 |
| Net loans and leases to core deposits | 49.5702% | 6,365 |
| Total domestic deposits to total assets | 79.6715% | 5,822 |
| Equity capital to assets | 9.0894% | 5,592 |
| Core capital (leverage) ratio | 8.1941% | 6,060 |
| Tier 1 risk-based capital ratio | 15.4591% | 3,471 |
| Total risk-based capital ratio | 16.1387% | 3,794 |
| Memoranda: | ||
| Average total assets | $1,048,035,670 | 637 |
| Average earning assets | $988,659,000 | 599 |
| Average equity | $94,097,330 | 750 |
| Average total loans | $418,134,330 | 1,001 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5341% | 3,782 |
| Cost of funding earning assets | 0.8804% | 2,834 |
| Net interest margin | 3.6537% | 4,037 |
| Noninterest income to average assets | 0.2499% | 5,858 |
| Noninterest expense to average assets | 1.8910% | 6,661 |
| Loan and lease loss provision to assets | 0.2321% | 2,625 |
| Net operating income to assets | 1.1412% | 1,914 |
| Return on assets (ROA) | 1.1488% | 2,064 |
| Pretax return on assets | 1.5789% | 1,639 |
| Return on Equity (ROE) | 12.8776% | 1,440 |
| Retained earnings to average equity (ytd only) | 5.9402% | 2,991 |
| Net charge-offs to loans | 0.4759% | 1,899 |
| Credit loss provision to net charge-offs | 118.3432% | 2,004 |
| Earnings coverage of net charge-offs (x) | 9.1815% | 1,874 |
| Efficiency ratio | 50.1362% | 6,668 |
| Assets per employee ($millions) | 5.0414% | 2,209 |
| Cash dividends to net income (ytd only)* | 53.8721% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1299% | 5,804 |
| Loan loss allowance to noncurrent loans | 40.3282% | 5,595 |
| Noncurrent assets plus other real estate owned to assets | 2.3690% | 2,507 |
| Noncurrent loans to loans | 2.8018% | 2,307 |
| Net loans and leases to total assets | 39.2009% | 6,410 |
| Net loans and leases to deposits | 48.6922% | 6,252 |
| Net loans and leases to core deposits | 52.2584% | 6,185 |
| Total domestic deposits to total assets | 80.5075% | 5,720 |
| Equity capital to assets | 8.7622% | 5,795 |
| Core capital (leverage) ratio | 7.8477% | 6,375 |
| Tier 1 risk-based capital ratio | 14.4129% | 4,170 |
| Total risk-based capital ratio | 15.2235% | 4,454 |
| Memoranda: | ||
| Average total assets | $1,034,138,500 | 643 |
| Average earning assets | $974,131,500 | 610 |
| Average equity | $92,253,000 | 759 |
| Average total loans | $426,155,000 | 982 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8038% | 3,793 |
| Cost of funding earning assets | 1.0077% | 3,319 |
| Net interest margin | 3.7962% | 3,837 |
| Noninterest income to average assets | 0.6272% | 3,021 |
| Noninterest expense to average assets | 2.0443% | 6,595 |
| Loan and lease loss provision to assets | 0.3853% | 2,682 |
| Net operating income to assets | 1.2001% | 1,511 |
| Return on assets (ROA) | 1.3249% | 1,283 |
| Pretax return on assets | 1.9575% | 581 |
| Return on Equity (ROE) | 14.2595% | 872 |
| Retained earnings to average equity (ytd only) | 12.0862% | 297 |
| Net charge-offs to loans | 0.8375% | 2,071 |
| Credit loss provision to net charge-offs | 101.2324% | 3,436 |
| Earnings coverage of net charge-offs (x) | 5.6731% | 2,714 |
| Efficiency ratio | 47.0429% | 6,998 |
| Assets per employee ($millions) | 4.9489% | 2,272 |
| Cash dividends to net income (ytd only)* | 15.2407% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 5,905 |
| Loan loss allowance to noncurrent loans | 30.4061% | 6,171 |
| Noncurrent assets plus other real estate owned to assets | 2.3995% | 2,535 |
| Noncurrent loans to loans | 3.5356% | 1,815 |
| Net loans and leases to total assets | 42.3838% | 6,349 |
| Net loans and leases to deposits | 52.9583% | 6,141 |
| Net loans and leases to core deposits | 55.2354% | 6,209 |
| Total domestic deposits to total assets | 80.0325% | 5,735 |
| Equity capital to assets | 9.0870% | 5,433 |
| Core capital (leverage) ratio | 8.0322% | 6,224 |
| Tier 1 risk-based capital ratio | 14.2480% | 4,150 |
| Total risk-based capital ratio | 15.0473% | 4,442 |
| Memoranda: | ||
| Average total assets | $895,383,200 | 731 |
| Average earning assets | $843,536,400 | 697 |
| Average equity | $83,193,800 | 808 |
| Average total loans | $406,948,400 | 1,044 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8758% | 3,655 |
| Cost of funding earning assets | 1.0280% | 3,482 |
| Net interest margin | 3.8478% | 3,628 |
| Noninterest income to average assets | 0.3262% | 5,256 |
| Noninterest expense to average assets | 1.9442% | 6,796 |
| Loan and lease loss provision to assets | 0.4384% | 2,285 |
| Net operating income to assets | 1.0964% | 1,983 |
| Return on assets (ROA) | 1.2670% | 1,570 |
| Pretax return on assets | 1.8153% | 928 |
| Return on Equity (ROE) | 13.5490% | 1,148 |
| Retained earnings to average equity (ytd only) | 12.4305% | 447 |
| Net charge-offs to loans | 0.9111% | 1,760 |
| Credit loss provision to net charge-offs | 104.1286% | 3,202 |
| Earnings coverage of net charge-offs (x) | 4.7746% | 2,968 |
| Efficiency ratio | 47.2499% | 7,001 |
| Assets per employee ($millions) | 4.3762% | 3,121 |
| Cash dividends to net income (ytd only)* | 8.2554% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 5,505 |
| Loan loss allowance to noncurrent loans | 38.9265% | 5,690 |
| Noncurrent assets plus other real estate owned to assets | 2.4336% | 2,650 |
| Noncurrent loans to loans | 3.0599% | 2,266 |
| Net loans and leases to total assets | 45.1972% | 6,224 |
| Net loans and leases to deposits | 56.7336% | 5,956 |
| Net loans and leases to core deposits | 59.1176% | 6,048 |
| Total domestic deposits to total assets | 79.6657% | 5,830 |
| Equity capital to assets | 10.3103% | 3,940 |
| Core capital (leverage) ratio | 9.2768% | 4,490 |
| Tier 1 risk-based capital ratio | 15.2257% | 3,537 |
| Total risk-based capital ratio | 16.1209% | 3,712 |
| Memoranda: | ||
| Average total assets | $866,833,750 | 760 |
| Average earning assets | $817,322,750 | 731 |
| Average equity | $81,057,000 | 830 |
| Average total loans | $400,548,250 | 1,072 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8431% | 3,895 |
| Cost of funding earning assets | 1.0692% | 3,477 |
| Net interest margin | 3.7739% | 3,917 |
| Noninterest income to average assets | 0.3151% | 5,374 |
| Noninterest expense to average assets | 1.9065% | 6,940 |
| Loan and lease loss provision to assets | 0.5191% | 1,889 |
| Net operating income to assets | 0.9924% | 2,260 |
| Return on assets (ROA) | 1.3777% | 1,198 |
| Pretax return on assets | 2.0128% | 580 |
| Return on Equity (ROE) | 15.2548% | 754 |
| Retained earnings to average equity (ytd only) | 13.5178% | 354 |
| Net charge-offs to loans | 1.0300% | 1,529 |
| Credit loss provision to net charge-offs | 108.6957% | 2,818 |
| Earnings coverage of net charge-offs (x) | 4.1155% | 2,957 |
| Efficiency ratio | 46.9225% | 7,116 |
| Assets per employee ($millions) | 4.3729% | 3,039 |
| Cash dividends to net income (ytd only)* | 11.3865% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1968% | 5,558 |
| Loan loss allowance to noncurrent loans | 30.2904% | 6,246 |
| Noncurrent assets plus other real estate owned to assets | 2.9451% | 2,275 |
| Noncurrent loans to loans | 3.9510% | 1,754 |
| Net loans and leases to total assets | 45.6538% | 6,303 |
| Net loans and leases to deposits | 55.4561% | 6,179 |
| Net loans and leases to core deposits | 58.8622% | 6,202 |
| Total domestic deposits to total assets | 82.3242% | 5,052 |
| Equity capital to assets | 9.5393% | 4,751 |
| Core capital (leverage) ratio | 8.9083% | 4,867 |
| Tier 1 risk-based capital ratio | 14.7356% | 3,654 |
| Total risk-based capital ratio | 15.6410% | 3,845 |
| Memoranda: | ||
| Average total assets | $866,948,330 | 765 |
| Average earning assets | $817,041,670 | 743 |
| Average equity | $78,296,670 | 866 |
| Average total loans | $401,947,670 | 1,074 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9182% | 3,498 |
| Cost of funding earning assets | 1.0954% | 3,555 |
| Net interest margin | 3.8227% | 3,499 |
| Noninterest income to average assets | 0.3126% | 5,428 |
| Noninterest expense to average assets | 1.9500% | 6,910 |
| Loan and lease loss provision to assets | 0.6686% | 1,277 |
| Net operating income to assets | 0.8674% | 2,713 |
| Return on assets (ROA) | 1.6277% | 690 |
| Pretax return on assets | 2.4300% | 273 |
| Return on Equity (ROE) | 18.5430% | 435 |
| Retained earnings to average equity (ytd only) | 18.5430% | 217 |
| Net charge-offs to loans | 1.4128% | 970 |
| Credit loss provision to net charge-offs | 101.8974% | 2,596 |
| Earnings coverage of net charge-offs (x) | 2.9930% | 2,887 |
| Efficiency ratio | 46.4656% | 7,186 |
| Assets per employee ($millions) | 4.5383% | 2,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1641% | 5,786 |
| Loan loss allowance to noncurrent loans | 26.3412% | 6,496 |
| Noncurrent assets plus other real estate owned to assets | 3.0003% | 2,299 |
| Noncurrent loans to loans | 4.4191% | 1,592 |
| Net loans and leases to total assets | 45.1650% | 6,363 |
| Net loans and leases to deposits | 54.1778% | 6,279 |
| Net loans and leases to core deposits | 61.1475% | 6,001 |
| Total domestic deposits to total assets | 83.3642% | 4,763 |
| Equity capital to assets | 8.9659% | 5,257 |
| Core capital (leverage) ratio | 8.6778% | 5,125 |
| Tier 1 risk-based capital ratio | 14.4272% | 3,789 |
| Total risk-based capital ratio | 15.3063% | 4,016 |
| Memoranda: | ||
| Average total assets | $867,503,500 | 772 |
| Average earning assets | $817,214,500 | 748 |
| Average equity | $76,147,500 | 880 |
| Average total loans | $402,883,500 | 1,081 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2511% | 3,358 |
| Cost of funding earning assets | 1.3488% | 3,585 |
| Net interest margin | 3.9023% | 3,476 |
| Noninterest income to average assets | 0.3114% | 5,574 |
| Noninterest expense to average assets | 2.2614% | 6,454 |
| Loan and lease loss provision to assets | 0.4504% | 3,428 |
| Net operating income to assets | 0.9806% | 2,103 |
| Return on assets (ROA) | 1.0501% | 1,970 |
| Pretax return on assets | 1.2916% | 1,950 |
| Return on Equity (ROE) | 12.2537% | 1,268 |
| Retained earnings to average equity (ytd only) | 10.8761% | 396 |
| Net charge-offs to loans | 0.9359% | 2,313 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 3.6768% | 3,241 |
| Efficiency ratio | 53.1847% | 6,875 |
| Assets per employee ($millions) | 4.4290% | 2,974 |
| Cash dividends to net income (ytd only)* | 11.2428% | 3,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 5,825 |
| Loan loss allowance to noncurrent loans | 24.9715% | 6,601 |
| Noncurrent assets plus other real estate owned to assets | 2.3509% | 2,919 |
| Noncurrent loans to loans | 4.5274% | 1,557 |
| Net loans and leases to total assets | 46.6596% | 6,502 |
| Net loans and leases to deposits | 55.8190% | 6,462 |
| Net loans and leases to core deposits | 62.5022% | 6,194 |
| Total domestic deposits to total assets | 83.5909% | 4,562 |
| Equity capital to assets | 8.5880% | 5,738 |
| Core capital (leverage) ratio | 8.4423% | 5,462 |
| Tier 1 risk-based capital ratio | 13.3961% | 4,292 |
| Total risk-based capital ratio | 14.2506% | 4,564 |
| Memoranda: | ||
| Average total assets | $843,606,400 | 799 |
| Average earning assets | $779,588,000 | 785 |
| Average equity | $72,296,400 | 925 |
| Average total loans | $406,043,600 | 1,111 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3890% | 2,933 |
| Cost of funding earning assets | 1.4129% | 3,502 |
| Net interest margin | 3.9761% | 3,204 |
| Noninterest income to average assets | 0.3248% | 5,557 |
| Noninterest expense to average assets | 2.1820% | 6,653 |
| Loan and lease loss provision to assets | 0.4849% | 3,049 |
| Net operating income to assets | 1.0256% | 2,151 |
| Return on assets (ROA) | 1.0327% | 2,234 |
| Pretax return on assets | 1.3225% | 2,115 |
| Return on Equity (ROE) | 12.0563% | 1,486 |
| Retained earnings to average equity (ytd only) | 11.2247% | 574 |
| Net charge-offs to loans | 1.0136% | 1,984 |
| Credit loss provision to net charge-offs | 98.8975% | 4,411 |
| Earnings coverage of net charge-offs (x) | 3.6676% | 3,346 |
| Efficiency ratio | 50.3255% | 7,130 |
| Assets per employee ($millions) | 4.1582% | 3,525 |
| Cash dividends to net income (ytd only)* | 6.8976% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 5,779 |
| Loan loss allowance to noncurrent loans | 18.0320% | 6,977 |
| Noncurrent assets plus other real estate owned to assets | 3.2919% | 2,168 |
| Noncurrent loans to loans | 6.2993% | 961 |
| Net loans and leases to total assets | 47.1626% | 6,595 |
| Net loans and leases to deposits | 57.8965% | 6,469 |
| Net loans and leases to core deposits | 63.5551% | 6,330 |
| Total domestic deposits to total assets | 81.4602% | 5,214 |
| Equity capital to assets | 9.2550% | 5,219 |
| Core capital (leverage) ratio | 8.5367% | 5,438 |
| Tier 1 risk-based capital ratio | 13.1648% | 4,445 |
| Total risk-based capital ratio | 14.0094% | 4,747 |
| Memoranda: | ||
| Average total assets | $838,592,750 | 801 |
| Average earning assets | $770,982,750 | 792 |
| Average equity | $71,827,750 | 933 |
| Average total loans | $405,657,250 | 1,121 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5307% | 2,404 |
| Cost of funding earning assets | 1.4693% | 3,428 |
| Net interest margin | 4.0613% | 2,744 |
| Noninterest income to average assets | 0.2933% | 5,803 |
| Noninterest expense to average assets | 2.1741% | 6,714 |
| Loan and lease loss provision to assets | 0.5497% | 2,576 |
| Net operating income to assets | 0.9296% | 2,437 |
| Return on assets (ROA) | 1.0713% | 2,018 |
| Pretax return on assets | 1.4764% | 1,623 |
| Return on Equity (ROE) | 12.8554% | 1,271 |
| Retained earnings to average equity (ytd only) | 11.5704% | 554 |
| Net charge-offs to loans | 1.2266% | 1,559 |
| Credit loss provision to net charge-offs | 92.2213% | 4,360 |
| Earnings coverage of net charge-offs (x) | 3.0734% | 3,465 |
| Efficiency ratio | 49.7942% | 7,236 |
| Assets per employee ($millions) | 4.0048% | 3,764 |
| Cash dividends to net income (ytd only)* | 9.9955% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 6,005 |
| Loan loss allowance to noncurrent loans | 27.3414% | 6,525 |
| Noncurrent assets plus other real estate owned to assets | 2.2447% | 3,205 |
| Noncurrent loans to loans | 3.9781% | 1,911 |
| Net loans and leases to total assets | 48.6560% | 6,578 |
| Net loans and leases to deposits | 59.4898% | 6,456 |
| Net loans and leases to core deposits | 64.6179% | 6,351 |
| Total domestic deposits to total assets | 81.7888% | 5,074 |
| Equity capital to assets | 9.0636% | 5,347 |
| Core capital (leverage) ratio | 8.2829% | 5,800 |
| Tier 1 risk-based capital ratio | 12.9207% | 4,513 |
| Total risk-based capital ratio | 13.7469% | 4,841 |
| Memoranda: | ||
| Average total assets | $836,754,670 | 811 |
| Average earning assets | $764,968,000 | 801 |
| Average equity | $69,729,670 | 958 |
| Average total loans | $406,650,670 | 1,130 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3578% | 3,255 |
| Cost of funding earning assets | 1.4849% | 3,656 |
| Net interest margin | 3.8729% | 3,442 |
| Noninterest income to average assets | 0.2786% | 5,917 |
| Noninterest expense to average assets | 2.1656% | 6,769 |
| Loan and lease loss provision to assets | 0.2848% | 3,748 |
| Net operating income to assets | 1.1039% | 1,819 |
| Return on assets (ROA) | 1.0586% | 2,042 |
| Pretax return on assets | 1.3686% | 1,854 |
| Return on Equity (ROE) | 13.2722% | 1,199 |
| Retained earnings to average equity (ytd only) | 13.2722% | 588 |
| Net charge-offs to loans | 0.0983% | 4,437 |
| Credit loss provision to net charge-offs | 600.0000% | 717 |
| Earnings coverage of net charge-offs (x) | 36.0700% | 760 |
| Efficiency ratio | 51.2547% | 7,215 |
| Assets per employee ($millions) | 4.3109% | 3,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2583% | 5,166 |
| Loan loss allowance to noncurrent loans | 41.1637% | 5,606 |
| Noncurrent assets plus other real estate owned to assets | 1.8262% | 3,741 |
| Noncurrent loans to loans | 3.0569% | 2,620 |
| Net loans and leases to total assets | 47.9278% | 6,686 |
| Net loans and leases to deposits | 59.5506% | 6,506 |
| Net loans and leases to core deposits | 64.3483% | 6,428 |
| Total domestic deposits to total assets | 80.4825% | 5,625 |
| Equity capital to assets | 8.2431% | 6,375 |
| Core capital (leverage) ratio | 7.9891% | 6,259 |
| Tier 1 risk-based capital ratio | 12.4249% | 4,818 |
| Total risk-based capital ratio | 13.3724% | 5,031 |
| Memoranda: | ||
| Average total assets | $842,641,000 | 819 |
| Average earning assets | $783,082,000 | 797 |
| Average equity | $67,208,000 | 990 |
| Average total loans | $407,067,500 | 1,158 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4774% | 4,280 |
| Cost of funding earning assets | 1.9053% | 3,440 |
| Net interest margin | 3.5721% | 4,646 |
| Noninterest income to average assets | 0.3393% | 5,663 |
| Noninterest expense to average assets | 2.1778% | 7,040 |
| Loan and lease loss provision to assets | 0.3685% | 4,578 |
| Net operating income to assets | 0.9458% | 2,018 |
| Return on assets (ROA) | -1.0492% | 6,613 |
| Pretax return on assets | -1.9994% | 6,943 |
| Return on Equity (ROE) | -12.9832% | 6,827 |
| Retained earnings to average equity (ytd only) | -15.9607% | 6,937 |
| Net charge-offs to loans | 0.6273% | 3,326 |
| Credit loss provision to net charge-offs | 121.5566% | 4,373 |
| Earnings coverage of net charge-offs (x) | 4.9030% | 2,762 |
| Efficiency ratio | 54.3809% | 7,188 |
| Assets per employee ($millions) | 4.1013% | 3,611 |
| Cash dividends to net income (ytd only)* | -22.9338% | 7,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 5,756 |
| Loan loss allowance to noncurrent loans | 36.9379% | 5,966 |
| Noncurrent assets plus other real estate owned to assets | 1.8354% | 3,617 |
| Noncurrent loans to loans | 3.0561% | 2,513 |
| Net loans and leases to total assets | 47.5392% | 6,840 |
| Net loans and leases to deposits | 58.8124% | 6,719 |
| Net loans and leases to core deposits | 71.6187% | 6,682 |
| Total domestic deposits to total assets | 80.8319% | 5,395 |
| Equity capital to assets | 7.7126% | 6,845 |
| Core capital (leverage) ratio | 7.9189% | 6,307 |
| Tier 1 risk-based capital ratio | 11.6810% | 5,219 |
| Total risk-based capital ratio | 12.5155% | 5,599 |
| Memoranda: | ||
| Average total assets | $809,576,400 | 844 |
| Average earning assets | $753,496,200 | 824 |
| Average equity | $65,423,200 | 1,015 |
| Average total loans | $391,190,200 | 1,229 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5964% | 3,883 |
| Cost of funding earning assets | 1.9843% | 3,443 |
| Net interest margin | 3.6121% | 4,436 |
| Noninterest income to average assets | 0.3459% | 5,733 |
| Noninterest expense to average assets | 2.2417% | 6,869 |
| Loan and lease loss provision to assets | 0.1505% | 5,844 |
| Net operating income to assets | 1.1249% | 1,655 |
| Return on assets (ROA) | -0.1192% | 5,950 |
| Pretax return on assets | -0.6259% | 6,421 |
| Return on Equity (ROE) | -1.4574% | 6,012 |
| Retained earnings to average equity (ytd only) | -5.4282% | 6,307 |
| Net charge-offs to loans | 0.5165% | 3,148 |
| Credit loss provision to net charge-offs | 60.2402% | 6,170 |
| Earnings coverage of net charge-offs (x) | 5.8766% | 2,715 |
| Efficiency ratio | 55.3628% | 7,081 |
| Assets per employee ($millions) | 3.8713% | 4,015 |
| Cash dividends to net income (ytd only)* | -272.4476% | 8,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8874% | 6,812 |
| Loan loss allowance to noncurrent loans | 81.8951% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 1.0098% | 5,059 |
| Noncurrent loans to loans | 1.0836% | 5,139 |
| Net loans and leases to total assets | 48.3090% | 6,925 |
| Net loans and leases to deposits | 59.1213% | 6,893 |
| Net loans and leases to core deposits | 70.6571% | 6,927 |
| Total domestic deposits to total assets | 81.7117% | 4,802 |
| Equity capital to assets | 8.8021% | 5,791 |
| Core capital (leverage) ratio | 9.1374% | 4,433 |
| Tier 1 risk-based capital ratio | 10.9533% | 5,998 |
| Total risk-based capital ratio | 11.4829% | 6,687 |
| Memoranda: | ||
| Average total assets | $799,730,250 | 867 |
| Average earning assets | $744,894,000 | 845 |
| Average equity | $65,409,750 | 1,028 |
| Average total loans | $386,938,500 | 1,260 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6637% | 3,746 |
| Cost of funding earning assets | 2.0286% | 3,632 |
| Net interest margin | 3.6350% | 4,226 |
| Noninterest income to average assets | 0.3529% | 5,676 |
| Noninterest expense to average assets | 2.2589% | 6,891 |
| Loan and lease loss provision to assets | 0.1504% | 5,567 |
| Net operating income to assets | 0.9971% | 2,117 |
| Return on assets (ROA) | 1.0152% | 2,144 |
| Pretax return on assets | 1.3533% | 1,859 |
| Return on Equity (ROE) | 12.7385% | 1,233 |
| Retained earnings to average equity (ytd only) | 11.3294% | 514 |
| Net charge-offs to loans | -0.0192% | 7,689 |
| Credit loss provision to net charge-offs | -1,621.6216% | 7,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3939% | 7,181 |
| Assets per employee ($millions) | 3.8159% | 4,059 |
| Cash dividends to net income (ytd only)* | 11.0617% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2133% | 4,846 |
| Loan loss allowance to noncurrent loans | 39.2509% | 5,780 |
| Noncurrent assets plus other real estate owned to assets | 1.5753% | 3,859 |
| Noncurrent loans to loans | 3.0910% | 2,323 |
| Net loans and leases to total assets | 49.0866% | 6,954 |
| Net loans and leases to deposits | 59.9169% | 6,895 |
| Net loans and leases to core deposits | 70.0504% | 7,016 |
| Total domestic deposits to total assets | 81.9244% | 4,717 |
| Equity capital to assets | 8.3147% | 6,310 |
| Core capital (leverage) ratio | 9.7851% | 3,539 |
| Tier 1 risk-based capital ratio | 10.1848% | 6,730 |
| Total risk-based capital ratio | 10.8002% | 7,307 |
| Memoranda: | ||
| Average total assets | $797,894,670 | 881 |
| Average earning assets | $743,156,670 | 859 |
| Average equity | $63,587,000 | 1,067 |
| Average total loans | $385,089,670 | 1,284 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6673% | 3,956 |
| Cost of funding earning assets | 2.0548% | 3,844 |
| Net interest margin | 3.6125% | 4,271 |
| Noninterest income to average assets | 0.3922% | 5,276 |
| Noninterest expense to average assets | 2.2827% | 6,596 |
| Loan and lease loss provision to assets | 0.1489% | 5,030 |
| Net operating income to assets | 1.0105% | 2,266 |
| Return on assets (ROA) | 1.0113% | 2,402 |
| Pretax return on assets | 1.3236% | 2,203 |
| Return on Equity (ROE) | 12.9623% | 1,400 |
| Retained earnings to average equity (ytd only) | 12.9623% | 648 |
| Net charge-offs to loans | -0.0574% | 7,738 |
| Credit loss provision to net charge-offs | -545.4545% | 6,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8450% | 6,990 |
| Assets per employee ($millions) | 3.9826% | 3,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 5,133 |
| Loan loss allowance to noncurrent loans | 55.6965% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 1.0117% | 4,668 |
| Noncurrent loans to loans | 2.0620% | 3,179 |
| Net loans and leases to total assets | 47.9153% | 7,034 |
| Net loans and leases to deposits | 60.6900% | 6,834 |
| Net loans and leases to core deposits | 70.8267% | 6,973 |
| Total domestic deposits to total assets | 78.9509% | 5,747 |
| Equity capital to assets | 8.2673% | 6,433 |
| Core capital (leverage) ratio | 9.7655% | 3,674 |
| Tier 1 risk-based capital ratio | 9.4843% | 7,437 |
| Total risk-based capital ratio | 10.0359% | 7,939 |
| Memoranda: | ||
| Average total assets | $805,709,500 | 874 |
| Average earning assets | $749,847,000 | 852 |
| Average equity | $62,859,000 | 1,081 |
| Average total loans | $383,283,000 | 1,300 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9819% | 5,635 |
| Cost of funding earning assets | 2.6748% | 3,293 |
| Net interest margin | 3.3071% | 6,011 |
| Noninterest income to average assets | 0.3212% | 6,154 |
| Noninterest expense to average assets | 1.9658% | 7,511 |
| Loan and lease loss provision to assets | 0.1476% | 5,470 |
| Net operating income to assets | 1.1817% | 1,836 |
| Return on assets (ROA) | 1.0367% | 2,299 |
| Pretax return on assets | 1.1515% | 2,830 |
| Return on Equity (ROE) | 13.3376% | 1,254 |
| Retained earnings to average equity (ytd only) | 11.6030% | 258 |
| Net charge-offs to loans | 0.3132% | 3,296 |
| Credit loss provision to net charge-offs | 107.3345% | 4,998 |
| Earnings coverage of net charge-offs (x) | 10.6163% | 2,486 |
| Efficiency ratio | 52.6106% | 7,416 |
| Assets per employee ($millions) | 4.0745% | 3,357 |
| Cash dividends to net income (ytd only)* | 13.0058% | 4,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0721% | 5,471 |
| Loan loss allowance to noncurrent loans | 50.0123% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 1.0009% | 4,329 |
| Noncurrent loans to loans | 2.1436% | 2,576 |
| Net loans and leases to total assets | 46.1896% | 7,313 |
| Net loans and leases to deposits | 58.3650% | 7,184 |
| Net loans and leases to core deposits | 68.6317% | 7,261 |
| Total domestic deposits to total assets | 79.1392% | 5,322 |
| Equity capital to assets | 7.3466% | 7,516 |
| Core capital (leverage) ratio | 8.9231% | 4,855 |
| Tier 1 risk-based capital ratio | 10.1211% | 6,610 |
| Total risk-based capital ratio | 10.6959% | 7,280 |
| Memoranda: | ||
| Average total assets | $812,838,800 | 835 |
| Average earning assets | $763,112,400 | 811 |
| Average equity | $63,182,200 | 1,061 |
| Average total loans | $356,946,800 | 1,360 |