Home > Chambers Bank > Performance and Condition Ratios
Chambers Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8925% | 732 |
| Cost of funding earning assets | 1.6803% | 1,492 |
| Net interest margin | 4.2121% | 916 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.6644% | 1,834 |
| Loan and lease loss provision to assets | -0.0600% | 4,460 |
| Net operating income to assets | 1.4115% | 1,198 |
| Return on assets (ROA) | 1.4114% | 1,172 |
| Pretax return on assets | 1.8674% | 806 |
| Return on Equity (ROE) | 11.6200% | 2,060 |
| Retained earnings to average equity (ytd only) | 8.0996% | 1,506 |
| Net charge-offs to loans | 0.0192% | 1,970 |
| Credit loss provision to net charge-offs | 85.1282% | 1,983 |
| Earnings coverage of net charge-offs (x) | 119.3436% | 822 |
| Efficiency ratio | 58.7336% | 3,213 |
| Assets per employee ($millions) | 5.5053% | 3,250 |
| Cash dividends to net income (ytd only)* | 30.3181% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3867% | 1,427 |
| Loan loss allowance to noncurrent loans | 433.9669% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.3982% | 1,391 |
| Noncurrent loans to loans | 0.3195% | 2,040 |
| Net loans and leases to total assets | 76.5100% | 1,049 |
| Net loans and leases to deposits | 94.3880% | 912 |
| Net loans and leases to core deposits | 108.0721% | 1,033 |
| Total domestic deposits to total assets | 81.0600% | 3,297 |
| Equity capital to assets | 12.3855% | 1,012 |
| Core capital (leverage) ratio | 12.2042% | 1,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4417% | 1,406 |
| Memoranda: | ||
| Average total assets | $1,285,362,000 | 812 |
| Average earning assets | $1,200,823,200 | 797 |
| Average equity | $156,068,600 | 654 |
| Average total loans | $1,014,041,200 | 715 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7036% | 785 |
| Cost of funding earning assets | 1.5266% | 1,540 |
| Net interest margin | 4.1770% | 952 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.6099% | 1,916 |
| Loan and lease loss provision to assets | -0.0900% | 4,530 |
| Net operating income to assets | 1.4761% | 1,172 |
| Return on assets (ROA) | 1.4761% | 1,156 |
| Pretax return on assets | 1.9425% | 814 |
| Return on Equity (ROE) | 12.2200% | 2,069 |
| Retained earnings to average equity (ytd only) | 7.9007% | 2,007 |
| Net charge-offs to loans | -0.0078% | 3,858 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.6760% | 3,247 |
| Assets per employee ($millions) | 5.3284% | 3,322 |
| Cash dividends to net income (ytd only)* | 35.3457% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4322% | 1,323 |
| Loan loss allowance to noncurrent loans | 415.8832% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.2656% | 1,941 |
| Noncurrent loans to loans | 0.3444% | 1,991 |
| Net loans and leases to total assets | 76.0200% | 1,120 |
| Net loans and leases to deposits | 93.8225% | 911 |
| Net loans and leases to core deposits | 107.1313% | 972 |
| Total domestic deposits to total assets | 81.0300% | 3,382 |
| Equity capital to assets | 12.3382% | 961 |
| Core capital (leverage) ratio | 12.1792% | 1,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4329% | 1,441 |
| Memoranda: | ||
| Average total assets | $1,277,761,250 | 820 |
| Average earning assets | $1,193,840,750 | 804 |
| Average equity | $154,344,750 | 657 |
| Average total loans | $1,012,344,750 | 717 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5159% | 811 |
| Cost of funding earning assets | 1.3656% | 1,539 |
| Net interest margin | 4.1503% | 1,003 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.6359% | 1,838 |
| Loan and lease loss provision to assets | -0.0900% | 4,551 |
| Net operating income to assets | 1.4504% | 1,213 |
| Return on assets (ROA) | 1.4504% | 1,198 |
| Pretax return on assets | 1.9002% | 868 |
| Return on Equity (ROE) | 12.0900% | 2,131 |
| Retained earnings to average equity (ytd only) | 6.2032% | 2,545 |
| Net charge-offs to loans | -0.0161% | 4,069 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.5082% | 3,131 |
| Assets per employee ($millions) | 5.2021% | 3,411 |
| Cash dividends to net income (ytd only)* | 48.7118% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4395% | 1,389 |
| Loan loss allowance to noncurrent loans | 480.5658% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.2370% | 2,005 |
| Noncurrent loans to loans | 0.2996% | 2,058 |
| Net loans and leases to total assets | 76.6500% | 981 |
| Net loans and leases to deposits | 94.3617% | 827 |
| Net loans and leases to core deposits | 106.2216% | 975 |
| Total domestic deposits to total assets | 81.2300% | 3,390 |
| Equity capital to assets | 12.1277% | 1,014 |
| Core capital (leverage) ratio | 11.9059% | 1,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8347% | 1,614 |
| Memoranda: | ||
| Average total assets | $1,273,861,000 | 808 |
| Average earning assets | $1,190,855,333 | 794 |
| Average equity | $152,761,000 | 660 |
| Average total loans | $1,018,275,000 | 701 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3929% | 728 |
| Cost of funding earning assets | 1.1674% | 1,541 |
| Net interest margin | 4.2255% | 911 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.4709% | 2,320 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5095% | 1,169 |
| Return on assets (ROA) | 1.5095% | 1,148 |
| Pretax return on assets | 2.0387% | 722 |
| Return on Equity (ROE) | 12.6600% | 2,063 |
| Retained earnings to average equity (ytd only) | 3.4401% | 3,402 |
| Net charge-offs to loans | -0.0485% | 4,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.9838% | 3,604 |
| Assets per employee ($millions) | 5.1406% | 3,538 |
| Cash dividends to net income (ytd only)* | 72.8256% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3747% | 1,719 |
| Loan loss allowance to noncurrent loans | 641.4164% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 2,277 |
| Noncurrent loans to loans | 0.2143% | 2,402 |
| Net loans and leases to total assets | 80.5300% | 491 |
| Net loans and leases to deposits | 99.8361% | 453 |
| Net loans and leases to core deposits | 115.2788% | 553 |
| Total domestic deposits to total assets | 80.6600% | 3,683 |
| Equity capital to assets | 11.8383% | 1,049 |
| Core capital (leverage) ratio | 11.7660% | 1,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9975% | 1,975 |
| Memoranda: | ||
| Average total assets | $1,273,535,000 | 829 |
| Average earning assets | $1,192,086,500 | 810 |
| Average equity | $151,857,000 | 674 |
| Average total loans | $1,031,837,500 | 705 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7058% | 509 |
| Cost of funding earning assets | 0.5468% | 1,124 |
| Net interest margin | 4.1590% | 594 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 2.8233% | 1,269 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3027% | 1,414 |
| Return on assets (ROA) | 1.2614% | 1,510 |
| Pretax return on assets | 1.6677% | 1,002 |
| Return on Equity (ROE) | 10.9800% | 2,485 |
| Retained earnings to average equity (ytd only) | 9.9292% | 1,179 |
| Net charge-offs to loans | -0.0781% | 4,463 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.3191% | 2,870 |
| Assets per employee ($millions) | 4.9695% | 3,708 |
| Cash dividends to net income (ytd only)* | 9.5939% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 2,563 |
| Loan loss allowance to noncurrent loans | 526.3391% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.1776% | 2,303 |
| Noncurrent loans to loans | 0.2209% | 2,384 |
| Net loans and leases to total assets | 79.4500% | 656 |
| Net loans and leases to deposits | 99.2997% | 470 |
| Net loans and leases to core deposits | 112.5274% | 532 |
| Total domestic deposits to total assets | 80.0100% | 3,877 |
| Equity capital to assets | 12.0100% | 934 |
| Core capital (leverage) ratio | 11.7515% | 1,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9649% | 1,989 |
| Memoranda: | ||
| Average total assets | $1,239,463,400 | 833 |
| Average earning assets | $1,158,469,800 | 818 |
| Average equity | $142,358,200 | 704 |
| Average total loans | $977,357,800 | 701 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5476% | 468 |
| Cost of funding earning assets | 0.4504% | 980 |
| Net interest margin | 4.0972% | 525 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 2.7678% | 1,308 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3304% | 1,267 |
| Return on assets (ROA) | 1.2756% | 1,406 |
| Pretax return on assets | 1.6870% | 927 |
| Return on Equity (ROE) | 11.2400% | 2,288 |
| Retained earnings to average equity (ytd only) | 10.2848% | 1,260 |
| Net charge-offs to loans | -0.1438% | 4,579 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.3461% | 3,076 |
| Assets per employee ($millions) | 4.8625% | 3,793 |
| Cash dividends to net income (ytd only)* | 8.4890% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 2,444 |
| Loan loss allowance to noncurrent loans | 589.3462% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.2923% | 1,780 |
| Noncurrent loans to loans | 0.2063% | 2,569 |
| Net loans and leases to total assets | 79.7300% | 555 |
| Net loans and leases to deposits | 98.0152% | 457 |
| Net loans and leases to core deposits | 109.7842% | 477 |
| Total domestic deposits to total assets | 81.3500% | 3,927 |
| Equity capital to assets | 12.0427% | 877 |
| Core capital (leverage) ratio | 11.5223% | 1,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9429% | 2,075 |
| Memoranda: | ||
| Average total assets | $1,231,280,000 | 842 |
| Average earning assets | $1,149,966,000 | 825 |
| Average equity | $139,750,000 | 717 |
| Average total loans | $966,020,750 | 699 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2758% | 542 |
| Cost of funding earning assets | 0.4278% | 770 |
| Net interest margin | 3.8480% | 677 |
| Noninterest income to average assets | 0.7193% | 1,264 |
| Noninterest expense to average assets | 2.6869% | 1,422 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2359% | 1,314 |
| Return on assets (ROA) | 1.1825% | 1,465 |
| Pretax return on assets | 1.5586% | 1,031 |
| Return on Equity (ROE) | 10.6371% | 2,121 |
| Retained earnings to average equity (ytd only) | 9.9049% | 1,046 |
| Net charge-offs to loans | -0.0635% | 4,320 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4209% | 3,121 |
| Assets per employee ($millions) | 4.7225% | 3,915 |
| Cash dividends to net income (ytd only)* | 6.8842% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 2,904 |
| Loan loss allowance to noncurrent loans | 2,886.3636% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.1487% | 2,678 |
| Noncurrent loans to loans | 0.0400% | 3,645 |
| Net loans and leases to total assets | 77.8542% | 564 |
| Net loans and leases to deposits | 95.6561% | 447 |
| Net loans and leases to core deposits | 106.3627% | 438 |
| Total domestic deposits to total assets | 81.3897% | 4,082 |
| Equity capital to assets | 11.6047% | 997 |
| Core capital (leverage) ratio | 11.1956% | 1,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6923% | 2,213 |
| Memoranda: | ||
| Average total assets | $1,228,394,333 | 835 |
| Average earning assets | $1,147,240,333 | 830 |
| Average equity | $136,559,333 | 741 |
| Average total loans | $954,430,000 | 697 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1989% | 516 |
| Cost of funding earning assets | 0.4279% | 736 |
| Net interest margin | 3.7710% | 664 |
| Noninterest income to average assets | 0.7565% | 1,155 |
| Noninterest expense to average assets | 2.6944% | 1,379 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2755% | 1,059 |
| Return on assets (ROA) | 1.2104% | 1,211 |
| Pretax return on assets | 1.5025% | 1,012 |
| Return on Equity (ROE) | 11.1405% | 1,566 |
| Retained earnings to average equity (ytd only) | 11.1405% | 757 |
| Net charge-offs to loans | -0.0628% | 4,337 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1006% | 3,247 |
| Assets per employee ($millions) | 4.6094% | 4,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 2,845 |
| Loan loss allowance to noncurrent loans | 3,097.2527% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.1518% | 2,734 |
| Noncurrent loans to loans | 0.0388% | 3,695 |
| Net loans and leases to total assets | 75.2313% | 553 |
| Net loans and leases to deposits | 92.6047% | 411 |
| Net loans and leases to core deposits | 103.9597% | 399 |
| Total domestic deposits to total assets | 81.2392% | 4,176 |
| Equity capital to assets | 11.6310% | 1,081 |
| Core capital (leverage) ratio | 11.2916% | 1,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9109% | 2,253 |
| Memoranda: | ||
| Average total assets | $1,214,504,500 | 853 |
| Average earning assets | $1,133,913,500 | 848 |
| Average equity | $131,951,500 | 775 |
| Average total loans | $936,938,000 | 698 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6391% | 466 |
| Cost of funding earning assets | 0.5260% | 805 |
| Net interest margin | 4.1131% | 581 |
| Noninterest income to average assets | 0.9350% | 1,127 |
| Noninterest expense to average assets | 2.8142% | 1,328 |
| Loan and lease loss provision to assets | 0.0480% | 2,104 |
| Net operating income to assets | 1.4263% | 1,188 |
| Return on assets (ROA) | 1.4188% | 1,285 |
| Pretax return on assets | 1.8830% | 757 |
| Return on Equity (ROE) | 14.1497% | 1,139 |
| Retained earnings to average equity (ytd only) | 13.2281% | 375 |
| Net charge-offs to loans | 0.0065% | 2,334 |
| Credit loss provision to net charge-offs | 939.6552% | 555 |
| Earnings coverage of net charge-offs (x) | 380.1379% | 343 |
| Efficiency ratio | 58.3289% | 3,392 |
| Assets per employee ($millions) | 4.4713% | 4,137 |
| Cash dividends to net income (ytd only)* | 6.5132% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 2,940 |
| Loan loss allowance to noncurrent loans | 2,875.1938% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 2,726 |
| Noncurrent loans to loans | 0.0413% | 3,775 |
| Net loans and leases to total assets | 77.2425% | 431 |
| Net loans and leases to deposits | 94.3532% | 370 |
| Net loans and leases to core deposits | 105.9063% | 367 |
| Total domestic deposits to total assets | 81.8653% | 3,990 |
| Equity capital to assets | 10.0775% | 2,585 |
| Core capital (leverage) ratio | 9.5660% | 2,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9103% | 2,909 |
| Memoranda: | ||
| Average total assets | $1,136,210,800 | 873 |
| Average earning assets | $1,055,138,000 | 864 |
| Average equity | $113,931,800 | 912 |
| Average total loans | $897,236,400 | 726 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6495% | 526 |
| Cost of funding earning assets | 0.5476% | 845 |
| Net interest margin | 4.1019% | 653 |
| Noninterest income to average assets | 0.9663% | 1,123 |
| Noninterest expense to average assets | 2.7645% | 1,418 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5232% | 1,218 |
| Return on assets (ROA) | 1.5176% | 1,278 |
| Pretax return on assets | 1.9966% | 803 |
| Return on Equity (ROE) | 15.1549% | 1,113 |
| Retained earnings to average equity (ytd only) | 14.3232% | 479 |
| Net charge-offs to loans | 0.0105% | 1,930 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 240.6000% | 494 |
| Efficiency ratio | 57.1097% | 3,404 |
| Assets per employee ($millions) | 4.4051% | 4,187 |
| Cash dividends to net income (ytd only)* | 5.4876% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 3,287 |
| Loan loss allowance to noncurrent loans | 4,367.7686% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.1950% | 2,819 |
| Noncurrent loans to loans | 0.0259% | 4,009 |
| Net loans and leases to total assets | 78.5588% | 369 |
| Net loans and leases to deposits | 96.0171% | 349 |
| Net loans and leases to core deposits | 108.0654% | 365 |
| Total domestic deposits to total assets | 81.8175% | 3,956 |
| Equity capital to assets | 10.0136% | 2,887 |
| Core capital (leverage) ratio | 9.7221% | 2,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7611% | 3,009 |
| Memoranda: | ||
| Average total assets | $1,120,688,750 | 888 |
| Average earning assets | $1,038,737,250 | 884 |
| Average equity | $112,225,000 | 935 |
| Average total loans | $887,364,750 | 749 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7397% | 506 |
| Cost of funding earning assets | 0.5814% | 815 |
| Net interest margin | 4.1583% | 630 |
| Noninterest income to average assets | 1.0034% | 1,063 |
| Noninterest expense to average assets | 2.7146% | 1,554 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6309% | 984 |
| Return on assets (ROA) | 1.6269% | 1,049 |
| Pretax return on assets | 2.1306% | 652 |
| Return on Equity (ROE) | 16.2465% | 909 |
| Retained earnings to average equity (ytd only) | 15.6123% | 370 |
| Net charge-offs to loans | 0.0262% | 1,425 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 103.2456% | 735 |
| Efficiency ratio | 55.0991% | 3,657 |
| Assets per employee ($millions) | 4.2162% | 4,317 |
| Cash dividends to net income (ytd only)* | 3.9036% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1704% | 3,094 |
| Loan loss allowance to noncurrent loans | 4,331.6872% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 2,751 |
| Noncurrent loans to loans | 0.0270% | 4,078 |
| Net loans and leases to total assets | 79.2542% | 360 |
| Net loans and leases to deposits | 98.1565% | 310 |
| Net loans and leases to core deposits | 110.6980% | 341 |
| Total domestic deposits to total assets | 80.7427% | 4,119 |
| Equity capital to assets | 10.1962% | 2,679 |
| Core capital (leverage) ratio | 9.5330% | 2,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9267% | 2,975 |
| Memoranda: | ||
| Average total assets | $1,102,199,667 | 894 |
| Average earning assets | $1,019,644,667 | 893 |
| Average equity | $110,374,667 | 941 |
| Average total loans | $871,638,333 | 761 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8195% | 474 |
| Cost of funding earning assets | 0.6172% | 812 |
| Net interest margin | 4.2023% | 594 |
| Noninterest income to average assets | 1.1957% | 863 |
| Noninterest expense to average assets | 2.6309% | 1,797 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.9267% | 631 |
| Return on assets (ROA) | 1.9166% | 695 |
| Pretax return on assets | 2.4332% | 497 |
| Return on Equity (ROE) | 19.3197% | 587 |
| Retained earnings to average equity (ytd only) | 19.3197% | 297 |
| Net charge-offs to loans | 0.0583% | 933 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 53.4480% | 871 |
| Efficiency ratio | 50.9844% | 4,098 |
| Assets per employee ($millions) | 4.4652% | 4,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2142% | 2,860 |
| Loan loss allowance to noncurrent loans | 3,317.0347% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.2185% | 3,052 |
| Noncurrent loans to loans | 0.0366% | 4,099 |
| Net loans and leases to total assets | 76.6343% | 576 |
| Net loans and leases to deposits | 94.7478% | 453 |
| Net loans and leases to core deposits | 106.3771% | 497 |
| Total domestic deposits to total assets | 80.8824% | 4,082 |
| Equity capital to assets | 9.9423% | 2,756 |
| Core capital (leverage) ratio | 9.5029% | 3,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6931% | 2,980 |
| Memoranda: | ||
| Average total assets | $1,092,545,500 | 892 |
| Average earning assets | $1,009,057,000 | 889 |
| Average equity | $108,386,500 | 946 |
| Average total loans | $857,773,500 | 764 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0026% | 483 |
| Cost of funding earning assets | 1.0231% | 543 |
| Net interest margin | 3.9795% | 1,018 |
| Noninterest income to average assets | 0.7470% | 1,699 |
| Noninterest expense to average assets | 2.8474% | 1,823 |
| Loan and lease loss provision to assets | 0.2425% | 1,603 |
| Net operating income to assets | 1.1070% | 1,903 |
| Return on assets (ROA) | 1.1124% | 1,995 |
| Pretax return on assets | 1.3229% | 1,908 |
| Return on Equity (ROE) | 11.0595% | 1,606 |
| Retained earnings to average equity (ytd only) | 6.2368% | 1,688 |
| Net charge-offs to loans | -0.0209% | 4,437 |
| Credit loss provision to net charge-offs | -1,479.2899% | 4,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7090% | 2,863 |
| Assets per employee ($millions) | 4.3624% | 4,061 |
| Cash dividends to net income (ytd only)* | 43.6072% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 2,666 |
| Loan loss allowance to noncurrent loans | 4,061.0687% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.2344% | 3,117 |
| Noncurrent loans to loans | 0.0308% | 4,190 |
| Net loans and leases to total assets | 78.4928% | 553 |
| Net loans and leases to deposits | 98.4725% | 438 |
| Net loans and leases to core deposits | 109.3920% | 530 |
| Total domestic deposits to total assets | 79.7103% | 4,094 |
| Equity capital to assets | 9.8978% | 3,220 |
| Core capital (leverage) ratio | 9.2872% | 3,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5714% | 3,014 |
| Memoranda: | ||
| Average total assets | $1,030,732,600 | 859 |
| Average earning assets | $947,828,400 | 856 |
| Average equity | $103,675,600 | 935 |
| Average total loans | $810,465,000 | 776 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0449% | 562 |
| Cost of funding earning assets | 1.1080% | 525 |
| Net interest margin | 3.9369% | 1,266 |
| Noninterest income to average assets | 0.7016% | 1,798 |
| Noninterest expense to average assets | 2.7377% | 2,153 |
| Loan and lease loss provision to assets | 0.1828% | 2,156 |
| Net operating income to assets | 1.1001% | 1,978 |
| Return on assets (ROA) | 1.1075% | 2,078 |
| Pretax return on assets | 1.4098% | 1,698 |
| Return on Equity (ROE) | 10.9652% | 1,691 |
| Retained earnings to average equity (ytd only) | 10.0604% | 751 |
| Net charge-offs to loans | -0.0193% | 4,407 |
| Credit loss provision to net charge-offs | -1,206.8966% | 3,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4233% | 3,005 |
| Assets per employee ($millions) | 4.4151% | 3,938 |
| Cash dividends to net income (ytd only)* | 8.2518% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 2,883 |
| Loan loss allowance to noncurrent loans | 2,049.0281% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.1304% | 3,775 |
| Noncurrent loans to loans | 0.0566% | 4,147 |
| Net loans and leases to total assets | 76.5548% | 1,027 |
| Net loans and leases to deposits | 96.2954% | 738 |
| Net loans and leases to core deposits | 106.6632% | 823 |
| Total domestic deposits to total assets | 79.5000% | 3,959 |
| Equity capital to assets | 10.1527% | 3,100 |
| Core capital (leverage) ratio | 9.3528% | 3,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2015% | 2,869 |
| Memoranda: | ||
| Average total assets | $1,021,220,750 | 850 |
| Average earning assets | $938,828,250 | 855 |
| Average equity | $103,148,000 | 933 |
| Average total loans | $800,692,500 | 777 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1334% | 647 |
| Cost of funding earning assets | 1.1897% | 521 |
| Net interest margin | 3.9437% | 1,457 |
| Noninterest income to average assets | 0.6411% | 1,972 |
| Noninterest expense to average assets | 2.6989% | 2,384 |
| Loan and lease loss provision to assets | 0.1980% | 2,065 |
| Net operating income to assets | 1.0691% | 2,076 |
| Return on assets (ROA) | 1.0791% | 2,163 |
| Pretax return on assets | 1.3798% | 1,774 |
| Return on Equity (ROE) | 10.7032% | 1,741 |
| Retained earnings to average equity (ytd only) | 10.0157% | 786 |
| Net charge-offs to loans | -0.0257% | 4,485 |
| Credit loss provision to net charge-offs | -980.3922% | 3,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3334% | 3,071 |
| Assets per employee ($millions) | 4.3801% | 3,928 |
| Cash dividends to net income (ytd only)* | 6.4232% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 2,833 |
| Loan loss allowance to noncurrent loans | 1,606.0177% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 3,786 |
| Noncurrent loans to loans | 0.0709% | 4,177 |
| Net loans and leases to total assets | 73.7205% | 1,449 |
| Net loans and leases to deposits | 92.7066% | 1,075 |
| Net loans and leases to core deposits | 103.0714% | 1,057 |
| Total domestic deposits to total assets | 79.5203% | 3,937 |
| Equity capital to assets | 9.7775% | 3,394 |
| Core capital (leverage) ratio | 9.2036% | 3,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9243% | 2,989 |
| Memoranda: | ||
| Average total assets | $1,009,891,000 | 842 |
| Average earning assets | $927,761,667 | 848 |
| Average equity | $101,820,000 | 933 |
| Average total loans | $795,156,333 | 774 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3459% | 500 |
| Cost of funding earning assets | 1.2824% | 590 |
| Net interest margin | 4.0635% | 1,214 |
| Noninterest income to average assets | 0.5993% | 2,050 |
| Noninterest expense to average assets | 2.8488% | 2,282 |
| Loan and lease loss provision to assets | 0.4080% | 745 |
| Net operating income to assets | 0.7799% | 2,978 |
| Return on assets (ROA) | 0.7964% | 3,011 |
| Pretax return on assets | 1.0876% | 2,563 |
| Return on Equity (ROE) | 7.7705% | 2,605 |
| Retained earnings to average equity (ytd only) | 7.7705% | 1,298 |
| Net charge-offs to loans | -0.0116% | 4,123 |
| Credit loss provision to net charge-offs | -4,347.8261% | 3,847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9179% | 3,099 |
| Assets per employee ($millions) | 3.8640% | 4,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 2,997 |
| Loan loss allowance to noncurrent loans | 1,575.1313% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 3,868 |
| Noncurrent loans to loans | 0.0723% | 4,235 |
| Net loans and leases to total assets | 78.9184% | 839 |
| Net loans and leases to deposits | 98.0065% | 711 |
| Net loans and leases to core deposits | 109.2075% | 891 |
| Total domestic deposits to total assets | 80.5237% | 3,759 |
| Equity capital to assets | 10.2472% | 3,560 |
| Core capital (leverage) ratio | 9.5047% | 3,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7677% | 3,164 |
| Memoranda: | ||
| Average total assets | $980,469,500 | 838 |
| Average earning assets | $898,633,500 | 845 |
| Average equity | $100,482,000 | 941 |
| Average total loans | $794,259,500 | 755 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2554% | 896 |
| Cost of funding earning assets | 1.3411% | 680 |
| Net interest margin | 3.9143% | 2,121 |
| Noninterest income to average assets | 0.3381% | 3,686 |
| Noninterest expense to average assets | 3.0149% | 1,980 |
| Loan and lease loss provision to assets | 0.0173% | 3,670 |
| Net operating income to assets | 0.9189% | 3,127 |
| Return on assets (ROA) | 0.9199% | 3,198 |
| Pretax return on assets | 0.9199% | 3,679 |
| Return on Equity (ROE) | 8.1887% | 3,083 |
| Retained earnings to average equity (ytd only) | -19.5486% | 5,134 |
| Net charge-offs to loans | 0.1169% | 1,576 |
| Credit loss provision to net charge-offs | 17.8571% | 3,329 |
| Earnings coverage of net charge-offs (x) | 9.6726% | 2,639 |
| Efficiency ratio | 76.3057% | 1,328 |
| Assets per employee ($millions) | 3.7811% | 4,168 |
| Cash dividends to net income (ytd only)* | 338.7275% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 3,532 |
| Loan loss allowance to noncurrent loans | 425.8013% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 3,222 |
| Noncurrent loans to loans | 0.2343% | 3,609 |
| Net loans and leases to total assets | 81.3894% | 634 |
| Net loans and leases to deposits | 100.7558% | 542 |
| Net loans and leases to core deposits | 112.1565% | 747 |
| Total domestic deposits to total assets | 80.7789% | 3,812 |
| Equity capital to assets | 10.2495% | 3,680 |
| Core capital (leverage) ratio | 9.3212% | 4,259 |
| Tier 1 risk-based capital ratio | 10.4420% | 5,036 |
| Total risk-based capital ratio | 11.3596% | 5,062 |
| Memoranda: | ||
| Average total assets | $867,899,000 | 909 |
| Average earning assets | $801,085,800 | 906 |
| Average equity | $97,500,600 | 919 |
| Average total loans | $718,319,600 | 794 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2889% | 887 |
| Cost of funding earning assets | 1.3431% | 686 |
| Net interest margin | 3.9458% | 2,117 |
| Noninterest income to average assets | 0.4925% | 2,780 |
| Noninterest expense to average assets | 2.8416% | 2,433 |
| Loan and lease loss provision to assets | 0.0238% | 3,424 |
| Net operating income to assets | 1.2780% | 1,924 |
| Return on assets (ROA) | 1.2803% | 2,002 |
| Pretax return on assets | 1.2803% | 2,727 |
| Return on Equity (ROE) | 11.1159% | 1,974 |
| Retained earnings to average equity (ytd only) | -17.8170% | 5,200 |
| Net charge-offs to loans | 0.1195% | 1,303 |
| Credit loss provision to net charge-offs | 23.9617% | 2,946 |
| Earnings coverage of net charge-offs (x) | 13.1309% | 2,314 |
| Efficiency ratio | 68.5828% | 2,326 |
| Assets per employee ($millions) | 4.4956% | 3,213 |
| Cash dividends to net income (ytd only)* | 260.2845% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 2,504 |
| Loan loss allowance to noncurrent loans | 433.5275% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.8486% | 1,613 |
| Noncurrent loans to loans | 0.2769% | 3,546 |
| Net loans and leases to total assets | 79.7046% | 888 |
| Net loans and leases to deposits | 100.5497% | 593 |
| Net loans and leases to core deposits | 112.8101% | 806 |
| Total domestic deposits to total assets | 79.2688% | 4,129 |
| Equity capital to assets | 10.3005% | 3,729 |
| Core capital (leverage) ratio | 9.7789% | 3,882 |
| Tier 1 risk-based capital ratio | 11.4765% | 4,680 |
| Total risk-based capital ratio | 12.6175% | 4,636 |
| Memoranda: | ||
| Average total assets | $841,938,000 | 937 |
| Average earning assets | $778,998,250 | 929 |
| Average equity | $96,976,000 | 923 |
| Average total loans | $698,182,750 | 815 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2961% | 821 |
| Cost of funding earning assets | 1.2834% | 779 |
| Net interest margin | 4.0127% | 1,884 |
| Noninterest income to average assets | 0.4688% | 2,850 |
| Noninterest expense to average assets | 2.6980% | 2,912 |
| Loan and lease loss provision to assets | 0.0357% | 3,108 |
| Net operating income to assets | 1.4683% | 1,236 |
| Return on assets (ROA) | 1.4704% | 1,282 |
| Pretax return on assets | 1.4704% | 1,948 |
| Return on Equity (ROE) | 12.3292% | 1,463 |
| Retained earnings to average equity (ytd only) | 4.3517% | 3,089 |
| Net charge-offs to loans | 0.2112% | 787 |
| Credit loss provision to net charge-offs | 20.1884% | 2,654 |
| Earnings coverage of net charge-offs (x) | 8.5101% | 2,408 |
| Efficiency ratio | 64.2081% | 3,097 |
| Assets per employee ($millions) | 4.5299% | 3,088 |
| Cash dividends to net income (ytd only)* | 64.7040% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 2,746 |
| Loan loss allowance to noncurrent loans | 880.6769% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.7242% | 1,905 |
| Noncurrent loans to loans | 0.1316% | 4,087 |
| Net loans and leases to total assets | 80.3434% | 833 |
| Net loans and leases to deposits | 102.1505% | 528 |
| Net loans and leases to core deposits | 114.1247% | 776 |
| Total domestic deposits to total assets | 78.6520% | 4,287 |
| Equity capital to assets | 11.9384% | 2,235 |
| Core capital (leverage) ratio | 11.5274% | 2,138 |
| Tier 1 risk-based capital ratio | 12.7714% | 3,964 |
| Total risk-based capital ratio | 13.8285% | 3,978 |
| Memoranda: | ||
| Average total assets | $840,860,330 | 930 |
| Average earning assets | $782,275,000 | 920 |
| Average equity | $100,282,330 | 894 |
| Average total loans | $703,635,330 | 812 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2717% | 796 |
| Cost of funding earning assets | 1.2164% | 860 |
| Net interest margin | 4.0553% | 1,673 |
| Noninterest income to average assets | 0.4378% | 2,926 |
| Noninterest expense to average assets | 2.7681% | 2,683 |
| Loan and lease loss provision to assets | 0.0720% | 2,227 |
| Net operating income to assets | 1.3701% | 1,457 |
| Return on assets (ROA) | 1.3701% | 1,499 |
| Pretax return on assets | 1.3701% | 2,193 |
| Return on Equity (ROE) | 11.4943% | 1,738 |
| Retained earnings to average equity (ytd only) | -4.6155% | 4,905 |
| Net charge-offs to loans | 0.4647% | 332 |
| Credit loss provision to net charge-offs | 18.2482% | 2,144 |
| Earnings coverage of net charge-offs (x) | 3.6545% | 2,386 |
| Efficiency ratio | 65.7469% | 2,970 |
| Assets per employee ($millions) | 4.7158% | 2,896 |
| Cash dividends to net income (ytd only)* | 140.1542% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1382% | 2,918 |
| Loan loss allowance to noncurrent loans | 837.4214% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.7335% | 1,910 |
| Noncurrent loans to loans | 0.1359% | 4,128 |
| Net loans and leases to total assets | 82.2041% | 568 |
| Net loans and leases to deposits | 105.1184% | 355 |
| Net loans and leases to core deposits | 116.7714% | 624 |
| Total domestic deposits to total assets | 78.2014% | 4,482 |
| Equity capital to assets | 11.7018% | 2,232 |
| Core capital (leverage) ratio | 11.4488% | 2,170 |
| Tier 1 risk-based capital ratio | 12.2936% | 4,304 |
| Total risk-based capital ratio | 13.3370% | 4,304 |
| Memoranda: | ||
| Average total assets | $833,218,000 | 941 |
| Average earning assets | $775,086,000 | 930 |
| Average equity | $99,318,500 | 897 |
| Average total loans | $707,491,500 | 804 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1515% | 766 |
| Cost of funding earning assets | 0.9609% | 881 |
| Net interest margin | 4.1907% | 1,415 |
| Noninterest income to average assets | 0.2718% | 4,286 |
| Noninterest expense to average assets | 2.6158% | 3,285 |
| Loan and lease loss provision to assets | 0.1305% | 1,682 |
| Net operating income to assets | 1.4094% | 1,397 |
| Return on assets (ROA) | 1.3891% | 1,463 |
| Pretax return on assets | 1.3891% | 2,174 |
| Return on Equity (ROE) | 11.5108% | 1,896 |
| Retained earnings to average equity (ytd only) | 5.3061% | 2,597 |
| Net charge-offs to loans | 0.1058% | 1,698 |
| Credit loss provision to net charge-offs | 145.2778% | 1,874 |
| Earnings coverage of net charge-offs (x) | 17.1389% | 2,208 |
| Efficiency ratio | 62.9441% | 3,355 |
| Assets per employee ($millions) | 4.8657% | 2,657 |
| Cash dividends to net income (ytd only)* | 53.9035% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 2,495 |
| Loan loss allowance to noncurrent loans | 890.1336% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.7553% | 1,846 |
| Noncurrent loans to loans | 0.1364% | 4,124 |
| Net loans and leases to total assets | 85.6644% | 257 |
| Net loans and leases to deposits | 109.1062% | 273 |
| Net loans and leases to core deposits | 120.5140% | 527 |
| Total domestic deposits to total assets | 78.5147% | 4,407 |
| Equity capital to assets | 12.1437% | 1,790 |
| Core capital (leverage) ratio | 11.7506% | 1,916 |
| Tier 1 risk-based capital ratio | 12.3436% | 4,213 |
| Total risk-based capital ratio | 13.4657% | 4,170 |
| Memoranda: | ||
| Average total assets | $801,314,400 | 948 |
| Average earning assets | $742,670,200 | 943 |
| Average equity | $96,700,200 | 876 |
| Average total loans | $680,703,200 | 809 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0524% | 838 |
| Cost of funding earning assets | 0.9035% | 906 |
| Net interest margin | 4.1489% | 1,497 |
| Noninterest income to average assets | 0.3011% | 4,134 |
| Noninterest expense to average assets | 2.6265% | 3,212 |
| Loan and lease loss provision to assets | 0.0914% | 2,148 |
| Net operating income to assets | 1.4246% | 1,401 |
| Return on assets (ROA) | 1.4246% | 1,402 |
| Pretax return on assets | 1.4246% | 2,136 |
| Return on Equity (ROE) | 11.8246% | 1,867 |
| Retained earnings to average equity (ytd only) | 6.2640% | 2,512 |
| Net charge-offs to loans | -0.0002% | 3,983 |
| Credit loss provision to net charge-offs | -54,600.0000% | 4,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4026% | 3,277 |
| Assets per employee ($millions) | 5.0307% | 2,431 |
| Cash dividends to net income (ytd only)* | 47.0256% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 2,248 |
| Loan loss allowance to noncurrent loans | 393.1828% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 1.2541% | 1,108 |
| Noncurrent loans to loans | 0.3235% | 3,514 |
| Net loans and leases to total assets | 84.5901% | 388 |
| Net loans and leases to deposits | 105.6606% | 456 |
| Net loans and leases to core deposits | 117.2802% | 659 |
| Total domestic deposits to total assets | 80.0583% | 4,108 |
| Equity capital to assets | 12.1517% | 1,802 |
| Core capital (leverage) ratio | 11.7418% | 1,977 |
| Tier 1 risk-based capital ratio | 12.6568% | 4,117 |
| Total risk-based capital ratio | 13.8445% | 4,044 |
| Memoranda: | ||
| Average total assets | $796,067,250 | 952 |
| Average earning assets | $737,081,500 | 951 |
| Average equity | $95,910,750 | 874 |
| Average total loans | $672,608,500 | 820 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9760% | 867 |
| Cost of funding earning assets | 0.8447% | 943 |
| Net interest margin | 4.1313% | 1,467 |
| Noninterest income to average assets | 0.2922% | 4,226 |
| Noninterest expense to average assets | 2.4964% | 3,641 |
| Loan and lease loss provision to assets | 0.1383% | 1,415 |
| Net operating income to assets | 1.4797% | 1,202 |
| Return on assets (ROA) | 1.4797% | 1,203 |
| Pretax return on assets | 1.4797% | 1,893 |
| Return on Equity (ROE) | 12.3180% | 1,614 |
| Retained earnings to average equity (ytd only) | 3.8853% | 3,665 |
| Net charge-offs to loans | -0.0142% | 4,438 |
| Credit loss provision to net charge-offs | -1,161.7021% | 4,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6758% | 3,820 |
| Assets per employee ($millions) | 5.1358% | 2,253 |
| Cash dividends to net income (ytd only)* | 68.4580% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 2,159 |
| Loan loss allowance to noncurrent loans | 275.8962% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 1.4557% | 923 |
| Noncurrent loans to loans | 0.4718% | 3,018 |
| Net loans and leases to total assets | 82.3843% | 667 |
| Net loans and leases to deposits | 103.1657% | 578 |
| Net loans and leases to core deposits | 114.5226% | 771 |
| Total domestic deposits to total assets | 79.8563% | 4,261 |
| Equity capital to assets | 11.7268% | 2,039 |
| Core capital (leverage) ratio | 11.5648% | 2,019 |
| Tier 1 risk-based capital ratio | 12.5333% | 4,161 |
| Total risk-based capital ratio | 13.7498% | 4,079 |
| Memoranda: | ||
| Average total assets | $789,763,000 | 960 |
| Average earning assets | $730,669,330 | 961 |
| Average equity | $94,869,670 | 886 |
| Average total loans | $664,053,330 | 830 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0025% | 698 |
| Cost of funding earning assets | 0.7521% | 1,180 |
| Net interest margin | 4.2504% | 1,046 |
| Noninterest income to average assets | 0.3686% | 3,672 |
| Noninterest expense to average assets | 2.5015% | 3,636 |
| Loan and lease loss provision to assets | 0.1628% | 1,106 |
| Net operating income to assets | 1.6278% | 804 |
| Return on assets (ROA) | 1.6278% | 804 |
| Pretax return on assets | 1.6278% | 1,306 |
| Return on Equity (ROE) | 13.3824% | 1,166 |
| Retained earnings to average equity (ytd only) | -3.6165% | 5,123 |
| Net charge-offs to loans | 0.0227% | 2,052 |
| Credit loss provision to net charge-offs | 851.3514% | 390 |
| Earnings coverage of net charge-offs (x) | 93.6216% | 644 |
| Efficiency ratio | 58.2801% | 4,307 |
| Assets per employee ($millions) | 4.9813% | 2,514 |
| Cash dividends to net income (ytd only)* | 127.0245% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 2,246 |
| Loan loss allowance to noncurrent loans | 282.3009% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 1.6839% | 766 |
| Noncurrent loans to loans | 0.4607% | 3,150 |
| Net loans and leases to total assets | 83.5860% | 479 |
| Net loans and leases to deposits | 103.1901% | 522 |
| Net loans and leases to core deposits | 119.0542% | 612 |
| Total domestic deposits to total assets | 81.0019% | 4,206 |
| Equity capital to assets | 11.9753% | 1,809 |
| Core capital (leverage) ratio | 11.7520% | 1,815 |
| Tier 1 risk-based capital ratio | 12.3771% | 4,324 |
| Total risk-based capital ratio | 13.5709% | 4,259 |
| Memoranda: | ||
| Average total assets | $773,782,000 | 982 |
| Average earning assets | $714,280,000 | 985 |
| Average equity | $94,123,500 | 897 |
| Average total loans | $653,130,000 | 845 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0789% | 557 |
| Cost of funding earning assets | 0.6657% | 1,211 |
| Net interest margin | 4.4132% | 741 |
| Noninterest income to average assets | 0.1877% | 5,021 |
| Noninterest expense to average assets | 2.7831% | 2,837 |
| Loan and lease loss provision to assets | 0.0808% | 2,587 |
| Net operating income to assets | 1.3604% | 1,095 |
| Return on assets (ROA) | 1.3604% | 1,117 |
| Pretax return on assets | 1.3604% | 2,124 |
| Return on Equity (ROE) | 11.0069% | 1,486 |
| Retained earnings to average equity (ytd only) | 8.8269% | 539 |
| Net charge-offs to loans | 0.1497% | 1,598 |
| Credit loss provision to net charge-offs | 65.5738% | 3,158 |
| Earnings coverage of net charge-offs (x) | 11.6918% | 2,540 |
| Efficiency ratio | 65.8832% | 3,294 |
| Assets per employee ($millions) | 5.0033% | 2,471 |
| Cash dividends to net income (ytd only)* | 19.8059% | 3,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 2,245 |
| Loan loss allowance to noncurrent loans | 1,206.2229% | 538 |
| Noncurrent assets plus other real estate owned to assets | 1.4120% | 993 |
| Noncurrent loans to loans | 0.1073% | 4,503 |
| Net loans and leases to total assets | 83.0328% | 558 |
| Net loans and leases to deposits | 100.8632% | 670 |
| Net loans and leases to core deposits | 114.8550% | 759 |
| Total domestic deposits to total assets | 82.3221% | 3,778 |
| Equity capital to assets | 12.3569% | 1,598 |
| Core capital (leverage) ratio | 11.8062% | 1,719 |
| Tier 1 risk-based capital ratio | 12.8970% | 3,973 |
| Total risk-based capital ratio | 14.0896% | 3,903 |
| Memoranda: | ||
| Average total assets | $742,292,600 | 994 |
| Average earning assets | $678,963,800 | 995 |
| Average equity | $91,742,600 | 892 |
| Average total loans | $611,034,400 | 854 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1170% | 487 |
| Cost of funding earning assets | 0.6485% | 1,248 |
| Net interest margin | 4.4686% | 638 |
| Noninterest income to average assets | 0.3545% | 4,001 |
| Noninterest expense to average assets | 2.6757% | 3,137 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.7568% | 512 |
| Return on assets (ROA) | 1.7568% | 529 |
| Pretax return on assets | 1.7568% | 987 |
| Return on Equity (ROE) | 14.2133% | 790 |
| Retained earnings to average equity (ytd only) | 11.2839% | 373 |
| Net charge-offs to loans | -0.0082% | 4,576 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3660% | 4,148 |
| Assets per employee ($millions) | 5.2210% | 2,203 |
| Cash dividends to net income (ytd only)* | 20.6101% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4096% | 1,841 |
| Loan loss allowance to noncurrent loans | 599.5859% | 891 |
| Noncurrent assets plus other real estate owned to assets | 2.2099% | 547 |
| Noncurrent loans to loans | 0.2351% | 4,121 |
| Net loans and leases to total assets | 80.2675% | 947 |
| Net loans and leases to deposits | 97.7642% | 943 |
| Net loans and leases to core deposits | 109.2904% | 1,072 |
| Total domestic deposits to total assets | 82.1032% | 3,740 |
| Equity capital to assets | 12.4592% | 1,679 |
| Core capital (leverage) ratio | 12.1570% | 1,597 |
| Tier 1 risk-based capital ratio | 13.1887% | 3,881 |
| Total risk-based capital ratio | 14.4389% | 3,798 |
| Memoranda: | ||
| Average total assets | $736,489,500 | 1,004 |
| Average earning assets | $672,117,500 | 1,016 |
| Average equity | $91,030,000 | 898 |
| Average total loans | $602,804,250 | 872 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9976% | 563 |
| Cost of funding earning assets | 0.6249% | 1,307 |
| Net interest margin | 4.3728% | 737 |
| Noninterest income to average assets | 0.3881% | 3,764 |
| Noninterest expense to average assets | 2.6109% | 3,400 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7710% | 479 |
| Return on assets (ROA) | 1.7710% | 486 |
| Pretax return on assets | 1.7710% | 897 |
| Return on Equity (ROE) | 14.3685% | 765 |
| Retained earnings to average equity (ytd only) | 14.3685% | 165 |
| Net charge-offs to loans | -0.0087% | 4,486 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5834% | 4,383 |
| Assets per employee ($millions) | 5.0132% | 2,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 1,891 |
| Loan loss allowance to noncurrent loans | 605.0907% | 880 |
| Noncurrent assets plus other real estate owned to assets | 2.3361% | 492 |
| Noncurrent loans to loans | 0.2336% | 4,190 |
| Net loans and leases to total assets | 81.5554% | 735 |
| Net loans and leases to deposits | 99.7302% | 758 |
| Net loans and leases to core deposits | 110.6132% | 976 |
| Total domestic deposits to total assets | 81.7760% | 3,950 |
| Equity capital to assets | 12.5459% | 1,599 |
| Core capital (leverage) ratio | 12.1378% | 1,565 |
| Tier 1 risk-based capital ratio | 12.9995% | 3,997 |
| Total risk-based capital ratio | 14.2496% | 3,916 |
| Memoranda: | ||
| Average total assets | $729,637,670 | 1,016 |
| Average earning assets | $666,394,330 | 1,024 |
| Average equity | $89,932,670 | 911 |
| Average total loans | $598,289,330 | 882 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3736% | 285 |
| Cost of funding earning assets | 0.6076% | 1,323 |
| Net interest margin | 4.7659% | 327 |
| Noninterest income to average assets | 0.4290% | 3,453 |
| Noninterest expense to average assets | 2.8009% | 2,789 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9777% | 316 |
| Return on assets (ROA) | 1.9777% | 328 |
| Pretax return on assets | 1.9777% | 526 |
| Return on Equity (ROE) | 16.1935% | 504 |
| Retained earnings to average equity (ytd only) | 16.1935% | 193 |
| Net charge-offs to loans | -0.0102% | 4,429 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6139% | 4,642 |
| Assets per employee ($millions) | 4.9847% | 2,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4620% | 1,819 |
| Loan loss allowance to noncurrent loans | 530.3550% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 2.3827% | 507 |
| Noncurrent loans to loans | 0.2757% | 4,120 |
| Net loans and leases to total assets | 79.7129% | 874 |
| Net loans and leases to deposits | 97.3644% | 823 |
| Net loans and leases to core deposits | 108.1836% | 965 |
| Total domestic deposits to total assets | 81.8707% | 4,200 |
| Equity capital to assets | 12.3058% | 1,658 |
| Core capital (leverage) ratio | 11.9136% | 1,682 |
| Tier 1 risk-based capital ratio | 12.8336% | 4,178 |
| Total risk-based capital ratio | 14.0842% | 4,079 |
| Memoranda: | ||
| Average total assets | $723,479,000 | 1,026 |
| Average earning assets | $660,268,500 | 1,030 |
| Average equity | $88,356,500 | 923 |
| Average total loans | $590,543,500 | 887 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9909% | 601 |
| Cost of funding earning assets | 0.5409% | 1,781 |
| Net interest margin | 4.4500% | 682 |
| Noninterest income to average assets | 0.3757% | 4,060 |
| Noninterest expense to average assets | 2.9256% | 2,585 |
| Loan and lease loss provision to assets | 0.1331% | 1,873 |
| Net operating income to assets | 1.3245% | 1,162 |
| Return on assets (ROA) | 1.3268% | 1,206 |
| Pretax return on assets | 1.3268% | 2,185 |
| Return on Equity (ROE) | 10.1699% | 1,891 |
| Retained earnings to average equity (ytd only) | 0.0785% | 5,280 |
| Net charge-offs to loans | 0.4746% | 523 |
| Credit loss provision to net charge-offs | 34.4958% | 3,547 |
| Earnings coverage of net charge-offs (x) | 3.7771% | 3,612 |
| Efficiency ratio | 66.7457% | 3,475 |
| Assets per employee ($millions) | 4.7614% | 2,704 |
| Cash dividends to net income (ytd only)* | 99.2282% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4704% | 1,798 |
| Loan loss allowance to noncurrent loans | 472.7322% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 2.4605% | 491 |
| Noncurrent loans to loans | 0.3111% | 4,029 |
| Net loans and leases to total assets | 81.1632% | 722 |
| Net loans and leases to deposits | 99.1850% | 729 |
| Net loans and leases to core deposits | 109.5479% | 927 |
| Total domestic deposits to total assets | 81.8300% | 4,117 |
| Equity capital to assets | 12.1173% | 1,734 |
| Core capital (leverage) ratio | 11.6806% | 1,808 |
| Tier 1 risk-based capital ratio | 12.5121% | 4,369 |
| Total risk-based capital ratio | 13.7628% | 4,258 |
| Memoranda: | ||
| Average total assets | $683,589,000 | 1,044 |
| Average earning assets | $615,622,800 | 1,059 |
| Average equity | $89,184,800 | 893 |
| Average total loans | $555,826,800 | 893 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8106% | 878 |
| Cost of funding earning assets | 0.5248% | 1,909 |
| Net interest margin | 4.2858% | 955 |
| Noninterest income to average assets | 0.5233% | 3,091 |
| Noninterest expense to average assets | 2.7974% | 3,020 |
| Loan and lease loss provision to assets | 0.1696% | 1,340 |
| Net operating income to assets | 1.4031% | 1,065 |
| Return on assets (ROA) | 1.4031% | 1,115 |
| Pretax return on assets | 1.4031% | 2,027 |
| Return on Equity (ROE) | 10.5557% | 1,847 |
| Retained earnings to average equity (ytd only) | 10.5557% | 479 |
| Net charge-offs to loans | 0.5407% | 391 |
| Credit loss provision to net charge-offs | 38.7213% | 3,157 |
| Earnings coverage of net charge-offs (x) | 3.5898% | 3,389 |
| Efficiency ratio | 64.0126% | 3,930 |
| Assets per employee ($millions) | 4.7861% | 2,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5576% | 1,595 |
| Loan loss allowance to noncurrent loans | 289.1311% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 3.8319% | 229 |
| Noncurrent loans to loans | 0.5387% | 3,377 |
| Net loans and leases to total assets | 81.0119% | 755 |
| Net loans and leases to deposits | 100.7251% | 658 |
| Net loans and leases to core deposits | 109.6854% | 941 |
| Total domestic deposits to total assets | 80.4287% | 4,411 |
| Equity capital to assets | 13.3282% | 1,333 |
| Core capital (leverage) ratio | 13.1286% | 1,141 |
| Tier 1 risk-based capital ratio | 13.5618% | 3,823 |
| Total risk-based capital ratio | 14.8160% | 3,732 |
| Memoranda: | ||
| Average total assets | $675,933,250 | 1,050 |
| Average earning assets | $606,704,250 | 1,079 |
| Average equity | $89,845,250 | 898 |
| Average total loans | $547,701,500 | 898 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6074% | 1,254 |
| Cost of funding earning assets | 0.5103% | 2,025 |
| Net interest margin | 4.0971% | 1,369 |
| Noninterest income to average assets | 0.5496% | 2,904 |
| Noninterest expense to average assets | 2.7382% | 3,239 |
| Loan and lease loss provision to assets | 0.2580% | 739 |
| Net operating income to assets | 1.2287% | 1,506 |
| Return on assets (ROA) | 1.2287% | 1,601 |
| Pretax return on assets | 1.2287% | 2,675 |
| Return on Equity (ROE) | 9.2527% | 2,377 |
| Retained earnings to average equity (ytd only) | 9.2527% | 782 |
| Net charge-offs to loans | 0.6116% | 339 |
| Credit loss provision to net charge-offs | 52.3433% | 2,645 |
| Earnings coverage of net charge-offs (x) | 3.0164% | 3,180 |
| Efficiency ratio | 64.8111% | 3,878 |
| Assets per employee ($millions) | 4.4544% | 3,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7439% | 1,186 |
| Loan loss allowance to noncurrent loans | 479.3207% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 3.9665% | 230 |
| Noncurrent loans to loans | 0.3638% | 4,060 |
| Net loans and leases to total assets | 80.3825% | 843 |
| Net loans and leases to deposits | 97.8069% | 908 |
| Net loans and leases to core deposits | 106.2484% | 1,163 |
| Total domestic deposits to total assets | 82.1849% | 3,943 |
| Equity capital to assets | 13.4939% | 1,242 |
| Core capital (leverage) ratio | 12.9311% | 1,178 |
| Tier 1 risk-based capital ratio | 14.0812% | 3,556 |
| Total risk-based capital ratio | 15.3365% | 3,471 |
| Memoranda: | ||
| Average total assets | $666,724,330 | 1,065 |
| Average earning assets | $598,087,670 | 1,096 |
| Average equity | $88,536,330 | 905 |
| Average total loans | $537,273,670 | 911 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3865% | 1,845 |
| Cost of funding earning assets | 0.5056% | 2,062 |
| Net interest margin | 3.8809% | 1,992 |
| Noninterest income to average assets | 0.4941% | 3,162 |
| Noninterest expense to average assets | 2.7313% | 3,307 |
| Loan and lease loss provision to assets | 0.2772% | 598 |
| Net operating income to assets | 0.9725% | 2,403 |
| Return on assets (ROA) | 0.9725% | 2,517 |
| Pretax return on assets | 0.9725% | 3,573 |
| Return on Equity (ROE) | 7.3779% | 3,253 |
| Retained earnings to average equity (ytd only) | 7.3779% | 1,713 |
| Net charge-offs to loans | 0.9330% | 207 |
| Credit loss provision to net charge-offs | 37.1567% | 2,166 |
| Earnings coverage of net charge-offs (x) | 1.6753% | 2,783 |
| Efficiency ratio | 68.6091% | 3,362 |
| Assets per employee ($millions) | 4.3291% | 3,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8082% | 1,137 |
| Loan loss allowance to noncurrent loans | 90.8833% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 5.1623% | 156 |
| Noncurrent loans to loans | 1.9896% | 1,083 |
| Net loans and leases to total assets | 78.7081% | 991 |
| Net loans and leases to deposits | 94.8184% | 1,058 |
| Net loans and leases to core deposits | 102.0743% | 1,331 |
| Total domestic deposits to total assets | 83.0093% | 3,891 |
| Equity capital to assets | 13.3295% | 1,252 |
| Core capital (leverage) ratio | 12.6638% | 1,280 |
| Tier 1 risk-based capital ratio | 13.9805% | 3,712 |
| Total risk-based capital ratio | 15.2348% | 3,635 |
| Memoranda: | ||
| Average total assets | $663,859,500 | 1,066 |
| Average earning assets | $596,466,500 | 1,086 |
| Average equity | $87,504,000 | 913 |
| Average total loans | $530,780,000 | 921 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7402% | 1,025 |
| Cost of funding earning assets | 0.5388% | 1,847 |
| Net interest margin | 4.2014% | 1,173 |
| Noninterest income to average assets | 0.2686% | 4,950 |
| Noninterest expense to average assets | 2.9068% | 2,838 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1336% | 1,794 |
| Return on assets (ROA) | 1.1336% | 1,856 |
| Pretax return on assets | 1.1336% | 2,912 |
| Return on Equity (ROE) | 8.4192% | 2,751 |
| Retained earnings to average equity (ytd only) | -3.5895% | 5,853 |
| Net charge-offs to loans | 0.7170% | 334 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 2.0489% | 3,985 |
| Efficiency ratio | 71.9431% | 2,916 |
| Assets per employee ($millions) | 4.3206% | 3,356 |
| Cash dividends to net income (ytd only)* | 142.6349% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9559% | 871 |
| Loan loss allowance to noncurrent loans | 255.3888% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 3.9887% | 260 |
| Noncurrent loans to loans | 0.7659% | 2,881 |
| Net loans and leases to total assets | 78.1909% | 1,091 |
| Net loans and leases to deposits | 92.2118% | 1,381 |
| Net loans and leases to core deposits | 99.3475% | 1,566 |
| Total domestic deposits to total assets | 84.7949% | 3,175 |
| Equity capital to assets | 13.0334% | 1,331 |
| Core capital (leverage) ratio | 12.2269% | 1,490 |
| Tier 1 risk-based capital ratio | 14.0132% | 3,705 |
| Total risk-based capital ratio | 15.2698% | 3,630 |
| Memoranda: | ||
| Average total assets | $680,291,400 | 1,014 |
| Average earning assets | $610,750,000 | 1,028 |
| Average equity | $91,600,200 | 831 |
| Average total loans | $524,966,000 | 889 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5766% | 1,393 |
| Cost of funding earning assets | 0.5433% | 1,861 |
| Net interest margin | 4.0333% | 1,604 |
| Noninterest income to average assets | 0.3282% | 4,586 |
| Noninterest expense to average assets | 2.8191% | 3,108 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1284% | 1,900 |
| Return on assets (ROA) | 1.1284% | 1,976 |
| Pretax return on assets | 1.1284% | 3,107 |
| Return on Equity (ROE) | 8.3155% | 2,921 |
| Retained earnings to average equity (ytd only) | 8.3155% | 1,124 |
| Net charge-offs to loans | 0.0525% | 2,859 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 28.1019% | 1,555 |
| Efficiency ratio | 71.4152% | 2,974 |
| Assets per employee ($millions) | 4.5822% | 2,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6475% | 354 |
| Loan loss allowance to noncurrent loans | 98.7528% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 5.4959% | 161 |
| Noncurrent loans to loans | 2.6809% | 724 |
| Net loans and leases to total assets | 75.5655% | 1,446 |
| Net loans and leases to deposits | 90.9952% | 1,527 |
| Net loans and leases to core deposits | 98.3123% | 1,665 |
| Total domestic deposits to total assets | 83.0433% | 3,806 |
| Equity capital to assets | 14.1391% | 967 |
| Core capital (leverage) ratio | 13.4123% | 1,054 |
| Tier 1 risk-based capital ratio | 15.4396% | 3,076 |
| Total risk-based capital ratio | 16.7033% | 3,001 |
| Memoranda: | ||
| Average total assets | $684,020,750 | 1,015 |
| Average earning assets | $613,808,000 | 1,032 |
| Average equity | $92,820,000 | 824 |
| Average total loans | $523,547,250 | 897 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6543% | 1,159 |
| Cost of funding earning assets | 0.5481% | 1,839 |
| Net interest margin | 4.1062% | 1,334 |
| Noninterest income to average assets | 0.2598% | 5,094 |
| Noninterest expense to average assets | 2.8870% | 2,939 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0534% | 2,127 |
| Return on assets (ROA) | 1.0534% | 2,238 |
| Pretax return on assets | 1.0534% | 3,368 |
| Return on Equity (ROE) | 7.8716% | 3,128 |
| Retained earnings to average equity (ytd only) | 7.8716% | 1,317 |
| Net charge-offs to loans | -0.0980% | 5,780 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2667% | 2,789 |
| Assets per employee ($millions) | 4.6094% | 2,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7447% | 353 |
| Loan loss allowance to noncurrent loans | 101.1025% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 5.4359% | 185 |
| Noncurrent loans to loans | 2.7148% | 791 |
| Net loans and leases to total assets | 74.2830% | 1,620 |
| Net loans and leases to deposits | 88.1794% | 1,814 |
| Net loans and leases to core deposits | 95.6351% | 1,836 |
| Total domestic deposits to total assets | 84.2407% | 3,470 |
| Equity capital to assets | 13.6451% | 1,109 |
| Core capital (leverage) ratio | 13.0160% | 1,158 |
| Tier 1 risk-based capital ratio | 15.1061% | 3,296 |
| Total risk-based capital ratio | 16.3721% | 3,231 |
| Memoranda: | ||
| Average total assets | $685,973,330 | 1,018 |
| Average earning assets | $614,869,670 | 1,035 |
| Average equity | $91,798,000 | 836 |
| Average total loans | $522,598,670 | 907 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2749% | 2,181 |
| Cost of funding earning assets | 0.5465% | 1,877 |
| Net interest margin | 3.7284% | 2,519 |
| Noninterest income to average assets | 0.1645% | 5,748 |
| Noninterest expense to average assets | 2.6157% | 3,877 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8804% | 2,842 |
| Return on assets (ROA) | 0.8804% | 2,967 |
| Pretax return on assets | 0.8804% | 3,961 |
| Return on Equity (ROE) | 6.6447% | 3,683 |
| Retained earnings to average equity (ytd only) | 6.6447% | 2,167 |
| Net charge-offs to loans | -0.0169% | 4,963 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8164% | 2,684 |
| Assets per employee ($millions) | 4.7838% | 2,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7261% | 392 |
| Loan loss allowance to noncurrent loans | 100.7755% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 5.5489% | 201 |
| Noncurrent loans to loans | 2.7051% | 868 |
| Net loans and leases to total assets | 73.3667% | 1,588 |
| Net loans and leases to deposits | 86.7591% | 1,744 |
| Net loans and leases to core deposits | 94.2856% | 1,743 |
| Total domestic deposits to total assets | 84.5637% | 3,595 |
| Equity capital to assets | 13.2993% | 1,262 |
| Core capital (leverage) ratio | 12.7030% | 1,275 |
| Tier 1 risk-based capital ratio | 15.2442% | 3,292 |
| Total risk-based capital ratio | 16.5101% | 3,210 |
| Memoranda: | ||
| Average total assets | $685,559,000 | 1,011 |
| Average earning assets | $612,602,500 | 1,041 |
| Average equity | $90,839,500 | 847 |
| Average total loans | $521,610,500 | 904 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7643% | 1,185 |
| Cost of funding earning assets | 0.5905% | 1,856 |
| Net interest margin | 4.1738% | 1,374 |
| Noninterest income to average assets | -0.0681% | 6,440 |
| Noninterest expense to average assets | 2.9446% | 3,015 |
| Loan and lease loss provision to assets | -0.1216% | 6,184 |
| Net operating income to assets | 0.7176% | 3,805 |
| Return on assets (ROA) | 0.7222% | 3,893 |
| Pretax return on assets | 0.7803% | 4,334 |
| Return on Equity (ROE) | 6.1621% | 4,074 |
| Retained earnings to average equity (ytd only) | 6.1621% | 1,828 |
| Net charge-offs to loans | 0.3715% | 1,166 |
| Credit loss provision to net charge-offs | -44.2655% | 5,407 |
| Earnings coverage of net charge-offs (x) | 2.3797% | 4,167 |
| Efficiency ratio | 81.0954% | 1,759 |
| Assets per employee ($millions) | 4.9083% | 2,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7006% | 424 |
| Loan loss allowance to noncurrent loans | 91.5221% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 6.9520% | 150 |
| Noncurrent loans to loans | 2.9508% | 768 |
| Net loans and leases to total assets | 74.6816% | 1,465 |
| Net loans and leases to deposits | 89.0796% | 1,609 |
| Net loans and leases to core deposits | 96.1509% | 1,701 |
| Total domestic deposits to total assets | 83.8369% | 3,793 |
| Equity capital to assets | 13.2011% | 1,274 |
| Core capital (leverage) ratio | 11.0656% | 2,345 |
| Tier 1 risk-based capital ratio | 15.2439% | 3,352 |
| Total risk-based capital ratio | 16.5101% | 3,288 |
| Memoranda: | ||
| Average total assets | $745,899,000 | 904 |
| Average earning assets | $655,228,800 | 941 |
| Average equity | $87,421,800 | 848 |
| Average total loans | $551,615,800 | 799 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6630% | 1,399 |
| Cost of funding earning assets | 0.5706% | 2,100 |
| Net interest margin | 4.0925% | 1,598 |
| Noninterest income to average assets | 0.0224% | 6,437 |
| Noninterest expense to average assets | 2.7985% | 3,464 |
| Loan and lease loss provision to assets | 0.0242% | 3,926 |
| Net operating income to assets | 0.7116% | 3,881 |
| Return on assets (ROA) | 0.7095% | 3,997 |
| Pretax return on assets | 0.7853% | 4,412 |
| Return on Equity (ROE) | 6.2300% | 4,120 |
| Retained earnings to average equity (ytd only) | 6.2300% | 2,261 |
| Net charge-offs to loans | 0.0933% | 2,880 |
| Credit loss provision to net charge-offs | 35.2941% | 3,369 |
| Earnings coverage of net charge-offs (x) | 11.8619% | 2,371 |
| Efficiency ratio | 77.3948% | 2,289 |
| Assets per employee ($millions) | 4.6848% | 2,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0198% | 356 |
| Loan loss allowance to noncurrent loans | 92.2302% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 7.2691% | 156 |
| Noncurrent loans to loans | 3.2742% | 764 |
| Net loans and leases to total assets | 69.9804% | 2,194 |
| Net loans and leases to deposits | 81.5137% | 2,485 |
| Net loans and leases to core deposits | 87.8232% | 2,449 |
| Total domestic deposits to total assets | 85.8511% | 2,931 |
| Equity capital to assets | 11.4690% | 2,512 |
| Core capital (leverage) ratio | 11.0564% | 2,431 |
| Tier 1 risk-based capital ratio | 13.8605% | 4,314 |
| Total risk-based capital ratio | 15.1294% | 4,246 |
| Memoranda: | ||
| Average total assets | $761,812,000 | 894 |
| Average earning assets | $667,873,500 | 927 |
| Average equity | $86,761,250 | 854 |
| Average total loans | $558,606,000 | 792 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7888% | 1,089 |
| Cost of funding earning assets | 0.5682% | 2,180 |
| Net interest margin | 4.2205% | 1,197 |
| Noninterest income to average assets | -0.1533% | 6,614 |
| Noninterest expense to average assets | 2.8195% | 3,428 |
| Loan and lease loss provision to assets | 0.0364% | 3,566 |
| Net operating income to assets | 0.5698% | 4,499 |
| Return on assets (ROA) | 0.5670% | 4,616 |
| Pretax return on assets | 0.6812% | 4,707 |
| Return on Equity (ROE) | 4.9901% | 4,677 |
| Retained earnings to average equity (ytd only) | 4.9901% | 2,962 |
| Net charge-offs to loans | 0.5550% | 733 |
| Credit loss provision to net charge-offs | 8.8975% | 3,312 |
| Earnings coverage of net charge-offs (x) | 1.7621% | 3,717 |
| Efficiency ratio | 79.5082% | 2,094 |
| Assets per employee ($millions) | 4.5688% | 2,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7920% | 476 |
| Loan loss allowance to noncurrent loans | 94.5620% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 7.4050% | 160 |
| Noncurrent loans to loans | 2.9526% | 998 |
| Net loans and leases to total assets | 71.1470% | 1,898 |
| Net loans and leases to deposits | 82.7976% | 2,163 |
| Net loans and leases to core deposits | 89.6592% | 2,158 |
| Total domestic deposits to total assets | 85.9288% | 3,077 |
| Equity capital to assets | 11.3046% | 2,606 |
| Core capital (leverage) ratio | 10.7158% | 2,705 |
| Tier 1 risk-based capital ratio | 13.3734% | 4,666 |
| Total risk-based capital ratio | 14.6396% | 4,605 |
| Memoranda: | ||
| Average total assets | $758,084,330 | 902 |
| Average earning assets | $663,470,330 | 935 |
| Average equity | $86,130,000 | 856 |
| Average total loans | $558,878,330 | 781 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0594% | 642 |
| Cost of funding earning assets | 0.5705% | 2,239 |
| Net interest margin | 4.4890% | 673 |
| Noninterest income to average assets | 0.3451% | 4,615 |
| Noninterest expense to average assets | 2.8481% | 3,390 |
| Loan and lease loss provision to assets | 0.0276% | 3,468 |
| Net operating income to assets | 1.3524% | 1,095 |
| Return on assets (ROA) | 1.3524% | 1,137 |
| Pretax return on assets | 1.3927% | 1,772 |
| Return on Equity (ROE) | 11.8727% | 1,445 |
| Retained earnings to average equity (ytd only) | 11.8727% | 626 |
| Net charge-offs to loans | 0.6638% | 555 |
| Credit loss provision to net charge-offs | 5.6216% | 2,644 |
| Earnings coverage of net charge-offs (x) | 2.8919% | 2,776 |
| Efficiency ratio | 66.6252% | 4,427 |
| Assets per employee ($millions) | 4.4381% | 3,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9037% | 481 |
| Loan loss allowance to noncurrent loans | 82.3270% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 7.9673% | 166 |
| Noncurrent loans to loans | 3.5270% | 821 |
| Net loans and leases to total assets | 71.4894% | 1,652 |
| Net loans and leases to deposits | 83.4067% | 1,893 |
| Net loans and leases to core deposits | 90.2577% | 1,889 |
| Total domestic deposits to total assets | 85.7119% | 3,509 |
| Equity capital to assets | 11.4767% | 2,273 |
| Core capital (leverage) ratio | 10.9832% | 2,408 |
| Tier 1 risk-based capital ratio | 13.5731% | 4,625 |
| Total risk-based capital ratio | 14.8406% | 4,566 |
| Memoranda: | ||
| Average total assets | $753,350,000 | 907 |
| Average earning assets | $658,416,000 | 944 |
| Average equity | $85,810,500 | 855 |
| Average total loans | $557,429,500 | 785 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6835% | 1,614 |
| Cost of funding earning assets | 0.6371% | 2,321 |
| Net interest margin | 4.0464% | 1,814 |
| Noninterest income to average assets | 0.1389% | 6,244 |
| Noninterest expense to average assets | 2.7516% | 3,906 |
| Loan and lease loss provision to assets | 0.4483% | 645 |
| Net operating income to assets | 0.5277% | 4,605 |
| Return on assets (ROA) | 0.5050% | 4,844 |
| Pretax return on assets | 0.4576% | 5,335 |
| Return on Equity (ROE) | 5.2545% | 4,512 |
| Retained earnings to average equity (ytd only) | 5.2545% | 2,443 |
| Net charge-offs to loans | 1.4622% | 330 |
| Credit loss provision to net charge-offs | 42.2106% | 3,992 |
| Earnings coverage of net charge-offs (x) | 0.8744% | 4,794 |
| Efficiency ratio | 74.6585% | 3,022 |
| Assets per employee ($millions) | 4.2976% | 3,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0747% | 430 |
| Loan loss allowance to noncurrent loans | 110.1391% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 7.7709% | 200 |
| Noncurrent loans to loans | 2.7916% | 1,270 |
| Net loans and leases to total assets | 72.0785% | 1,667 |
| Net loans and leases to deposits | 83.9901% | 1,946 |
| Net loans and leases to core deposits | 90.4951% | 1,964 |
| Total domestic deposits to total assets | 85.8178% | 3,353 |
| Equity capital to assets | 11.3030% | 2,339 |
| Core capital (leverage) ratio | 10.2906% | 3,158 |
| Tier 1 risk-based capital ratio | 13.2211% | 4,836 |
| Total risk-based capital ratio | 14.4906% | 4,769 |
| Memoranda: | ||
| Average total assets | $861,218,400 | 767 |
| Average earning assets | $753,725,800 | 799 |
| Average equity | $82,766,400 | 861 |
| Average total loans | $625,555,200 | 671 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6768% | 1,656 |
| Cost of funding earning assets | 0.6529% | 2,337 |
| Net interest margin | 4.0239% | 1,865 |
| Noninterest income to average assets | 0.4095% | 4,459 |
| Noninterest expense to average assets | 2.7005% | 4,020 |
| Loan and lease loss provision to assets | 0.5689% | 446 |
| Net operating income to assets | 0.7305% | 3,698 |
| Return on assets (ROA) | 0.7028% | 3,981 |
| Pretax return on assets | 0.6365% | 4,896 |
| Return on Equity (ROE) | 7.5939% | 3,325 |
| Retained earnings to average equity (ytd only) | 7.5939% | 1,593 |
| Net charge-offs to loans | 1.9083% | 211 |
| Credit loss provision to net charge-offs | 41.2519% | 3,687 |
| Earnings coverage of net charge-offs (x) | 0.8942% | 4,551 |
| Efficiency ratio | 68.5552% | 3,985 |
| Assets per employee ($millions) | 4.3331% | 3,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0529% | 517 |
| Loan loss allowance to noncurrent loans | 91.0051% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 8.4560% | 203 |
| Noncurrent loans to loans | 3.3546% | 1,159 |
| Net loans and leases to total assets | 71.0968% | 1,767 |
| Net loans and leases to deposits | 84.0361% | 1,873 |
| Net loans and leases to core deposits | 90.4635% | 1,927 |
| Total domestic deposits to total assets | 84.6027% | 3,927 |
| Equity capital to assets | 11.1974% | 2,567 |
| Core capital (leverage) ratio | 10.2494% | 3,329 |
| Tier 1 risk-based capital ratio | 13.0659% | 5,081 |
| Total risk-based capital ratio | 14.3347% | 5,019 |
| Memoranda: | ||
| Average total assets | $889,577,750 | 747 |
| Average earning assets | $779,117,500 | 777 |
| Average equity | $82,327,500 | 866 |
| Average total loans | $642,922,250 | 657 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7043% | 1,557 |
| Cost of funding earning assets | 0.6773% | 2,245 |
| Net interest margin | 4.0270% | 1,771 |
| Noninterest income to average assets | 0.5171% | 3,720 |
| Noninterest expense to average assets | 2.7079% | 3,999 |
| Loan and lease loss provision to assets | 0.6861% | 346 |
| Net operating income to assets | 0.7652% | 3,491 |
| Return on assets (ROA) | 0.7249% | 3,864 |
| Pretax return on assets | 0.6184% | 4,954 |
| Return on Equity (ROE) | 8.3052% | 2,940 |
| Retained earnings to average equity (ytd only) | 8.3052% | 1,361 |
| Net charge-offs to loans | 2.7613% | 121 |
| Credit loss provision to net charge-offs | 34.5192% | 3,510 |
| Earnings coverage of net charge-offs (x) | 0.6766% | 4,295 |
| Efficiency ratio | 66.7266% | 4,408 |
| Assets per employee ($millions) | 3.2141% | 5,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9406% | 622 |
| Loan loss allowance to noncurrent loans | 93.1255% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 8.4551% | 221 |
| Noncurrent loans to loans | 3.1577% | 1,391 |
| Net loans and leases to total assets | 69.2117% | 2,030 |
| Net loans and leases to deposits | 81.3227% | 2,139 |
| Net loans and leases to core deposits | 88.3799% | 2,072 |
| Total domestic deposits to total assets | 85.1074% | 3,842 |
| Equity capital to assets | 10.7512% | 2,998 |
| Core capital (leverage) ratio | 9.8508% | 3,715 |
| Tier 1 risk-based capital ratio | 12.8026% | 5,286 |
| Total risk-based capital ratio | 14.0699% | 5,206 |
| Memoranda: | ||
| Average total assets | $933,339,330 | 714 |
| Average earning assets | $819,464,000 | 735 |
| Average equity | $81,467,000 | 886 |
| Average total loans | $671,863,330 | 621 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0397% | 837 |
| Cost of funding earning assets | 0.7339% | 1,969 |
| Net interest margin | 4.3058% | 959 |
| Noninterest income to average assets | 0.4182% | 4,322 |
| Noninterest expense to average assets | 2.8638% | 3,488 |
| Loan and lease loss provision to assets | 1.2264% | 128 |
| Net operating income to assets | 0.1349% | 6,082 |
| Return on assets (ROA) | 0.1412% | 6,161 |
| Pretax return on assets | 0.1361% | 6,199 |
| Return on Equity (ROE) | 1.7764% | 6,008 |
| Retained earnings to average equity (ytd only) | 1.7764% | 5,100 |
| Net charge-offs to loans | 5.0061% | 45 |
| Credit loss provision to net charge-offs | 33.9094% | 2,827 |
| Earnings coverage of net charge-offs (x) | 0.3750% | 3,687 |
| Efficiency ratio | 67.7885% | 4,347 |
| Assets per employee ($millions) | 4.2697% | 3,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3138% | 1,390 |
| Loan loss allowance to noncurrent loans | 84.2695% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 6.9134% | 413 |
| Noncurrent loans to loans | 2.7457% | 1,854 |
| Net loans and leases to total assets | 69.9136% | 1,676 |
| Net loans and leases to deposits | 80.2537% | 2,042 |
| Net loans and leases to core deposits | 88.0875% | 1,897 |
| Total domestic deposits to total assets | 87.1157% | 2,896 |
| Equity capital to assets | 7.9717% | 6,394 |
| Core capital (leverage) ratio | 7.4152% | 6,499 |
| Tier 1 risk-based capital ratio | 9.6731% | 6,737 |
| Total risk-based capital ratio | 10.9342% | 6,719 |
| Memoranda: | ||
| Average total assets | $1,011,107,000 | 661 |
| Average earning assets | $892,744,000 | 675 |
| Average equity | $80,389,000 | 913 |
| Average total loans | $730,474,500 | 575 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9455% | 1,701 |
| Cost of funding earning assets | 0.8385% | 2,369 |
| Net interest margin | 4.1071% | 1,975 |
| Noninterest income to average assets | 1.0092% | 1,510 |
| Noninterest expense to average assets | 2.3792% | 5,473 |
| Loan and lease loss provision to assets | 0.2493% | 2,654 |
| Net operating income to assets | 1.9850% | 365 |
| Return on assets (ROA) | 1.1785% | 1,834 |
| Pretax return on assets | 1.1820% | 2,859 |
| Return on Equity (ROE) | 11.8537% | 1,548 |
| Retained earnings to average equity (ytd only) | 1.1374% | 5,304 |
| Net charge-offs to loans | 0.7056% | 1,677 |
| Credit loss provision to net charge-offs | 46.3444% | 4,774 |
| Earnings coverage of net charge-offs (x) | 4.1599% | 3,456 |
| Efficiency ratio | 51.5202% | 6,493 |
| Assets per employee ($millions) | 4.3175% | 3,314 |
| Cash dividends to net income (ytd only)* | 90.4051% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0945% | 607 |
| Loan loss allowance to noncurrent loans | 152.0171% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 6.6335% | 492 |
| Noncurrent loans to loans | 2.0357% | 2,659 |
| Net loans and leases to total assets | 70.6650% | 1,713 |
| Net loans and leases to deposits | 81.3241% | 2,103 |
| Net loans and leases to core deposits | 90.2904% | 1,800 |
| Total domestic deposits to total assets | 86.8931% | 2,892 |
| Equity capital to assets | 7.9294% | 6,442 |
| Core capital (leverage) ratio | 7.3802% | 6,548 |
| Tier 1 risk-based capital ratio | 9.4847% | 6,806 |
| Total risk-based capital ratio | 10.7550% | 6,792 |
| Memoranda: | ||
| Average total assets | $772,956,800 | 857 |
| Average earning assets | $678,978,400 | 888 |
| Average equity | $76,845,200 | 920 |
| Average total loans | $589,320,800 | 700 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0507% | 1,560 |
| Cost of funding earning assets | 0.8906% | 2,236 |
| Net interest margin | 4.1602% | 1,865 |
| Noninterest income to average assets | 0.4557% | 4,244 |
| Noninterest expense to average assets | 2.3588% | 5,518 |
| Loan and lease loss provision to assets | 1.4853% | 216 |
| Net operating income to assets | 0.2616% | 5,745 |
| Return on assets (ROA) | 0.1682% | 6,140 |
| Pretax return on assets | 0.1682% | 6,176 |
| Return on Equity (ROE) | 1.5783% | 6,135 |
| Retained earnings to average equity (ytd only) | -12.8632% | 6,872 |
| Net charge-offs to loans | 0.5814% | 1,884 |
| Credit loss provision to net charge-offs | 330.0125% | 808 |
| Earnings coverage of net charge-offs (x) | 3.8813% | 3,476 |
| Efficiency ratio | 57.4516% | 5,862 |
| Assets per employee ($millions) | 5.4156% | 1,717 |
| Cash dividends to net income (ytd only)* | 915.0004% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7916% | 80 |
| Loan loss allowance to noncurrent loans | 361.9893% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 7.5974% | 430 |
| Noncurrent loans to loans | 1.5999% | 3,388 |
| Net loans and leases to total assets | 70.6306% | 1,796 |
| Net loans and leases to deposits | 83.6893% | 1,904 |
| Net loans and leases to core deposits | 92.6062% | 1,718 |
| Total domestic deposits to total assets | 84.3962% | 4,038 |
| Equity capital to assets | 10.0433% | 4,432 |
| Core capital (leverage) ratio | 9.2729% | 4,637 |
| Tier 1 risk-based capital ratio | 11.5593% | 6,198 |
| Total risk-based capital ratio | 12.8599% | 6,137 |
| Memoranda: | ||
| Average total assets | $713,624,750 | 932 |
| Average earning assets | $626,111,750 | 969 |
| Average equity | $76,029,000 | 927 |
| Average total loans | $552,472,000 | 757 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0895% | 1,527 |
| Cost of funding earning assets | 0.9084% | 2,331 |
| Net interest margin | 4.1811% | 1,797 |
| Noninterest income to average assets | 0.4618% | 4,193 |
| Noninterest expense to average assets | 2.3043% | 5,723 |
| Loan and lease loss provision to assets | 0.2511% | 2,569 |
| Net operating income to assets | 1.5828% | 863 |
| Return on assets (ROA) | 1.4433% | 1,238 |
| Pretax return on assets | 1.4433% | 2,039 |
| Return on Equity (ROE) | 13.2977% | 1,282 |
| Retained earnings to average equity (ytd only) | -7.8712% | 6,761 |
| Net charge-offs to loans | 0.6735% | 1,642 |
| Credit loss provision to net charge-offs | 47.6695% | 4,090 |
| Earnings coverage of net charge-offs (x) | 3.4815% | 3,357 |
| Efficiency ratio | 55.6837% | 6,154 |
| Assets per employee ($millions) | 5.3766% | 1,734 |
| Cash dividends to net income (ytd only)* | 159.1920% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3487% | 261 |
| Loan loss allowance to noncurrent loans | 302.7960% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 7.2199% | 527 |
| Noncurrent loans to loans | 1.4362% | 3,763 |
| Net loans and leases to total assets | 73.3994% | 1,342 |
| Net loans and leases to deposits | 87.1899% | 1,452 |
| Net loans and leases to core deposits | 96.2516% | 1,408 |
| Total domestic deposits to total assets | 84.1834% | 4,241 |
| Equity capital to assets | 10.4070% | 3,800 |
| Core capital (leverage) ratio | 9.9401% | 3,497 |
| Tier 1 risk-based capital ratio | 11.7892% | 6,063 |
| Total risk-based capital ratio | 13.0736% | 6,012 |
| Memoranda: | ||
| Average total assets | $716,823,330 | 928 |
| Average earning assets | $630,314,670 | 959 |
| Average equity | $77,802,670 | 900 |
| Average total loans | $560,686,000 | 742 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0033% | 1,877 |
| Cost of funding earning assets | 0.9374% | 2,391 |
| Net interest margin | 4.0659% | 2,230 |
| Noninterest income to average assets | 0.5466% | 3,587 |
| Noninterest expense to average assets | 2.3155% | 5,732 |
| Loan and lease loss provision to assets | 0.2238% | 2,710 |
| Net operating income to assets | 1.5938% | 871 |
| Return on assets (ROA) | 1.3141% | 1,588 |
| Pretax return on assets | 1.3141% | 2,493 |
| Return on Equity (ROE) | 11.8614% | 1,711 |
| Retained earnings to average equity (ytd only) | 11.8614% | 839 |
| Net charge-offs to loans | 1.0379% | 999 |
| Credit loss provision to net charge-offs | 27.3038% | 3,667 |
| Earnings coverage of net charge-offs (x) | 2.2177% | 3,281 |
| Efficiency ratio | 56.0233% | 6,118 |
| Assets per employee ($millions) | 5.5704% | 1,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3090% | 288 |
| Loan loss allowance to noncurrent loans | 104.5641% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 8.4147% | 442 |
| Noncurrent loans to loans | 4.1210% | 1,470 |
| Net loans and leases to total assets | 74.0577% | 1,050 |
| Net loans and leases to deposits | 88.8732% | 1,070 |
| Net loans and leases to core deposits | 98.6254% | 1,079 |
| Total domestic deposits to total assets | 83.3296% | 4,800 |
| Equity capital to assets | 11.1871% | 2,724 |
| Core capital (leverage) ratio | 10.5939% | 2,648 |
| Tier 1 risk-based capital ratio | 12.6124% | 5,510 |
| Total risk-based capital ratio | 13.8962% | 5,449 |
| Memoranda: | ||
| Average total assets | $715,006,000 | 932 |
| Average earning assets | $630,703,000 | 953 |
| Average equity | $79,215,000 | 872 |
| Average total loans | $564,602,000 | 737 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6939% | 791 |
| Cost of funding earning assets | 1.0811% | 2,800 |
| Net interest margin | 4.6128% | 898 |
| Noninterest income to average assets | -0.0925% | 7,096 |
| Noninterest expense to average assets | 1.8781% | 6,856 |
| Loan and lease loss provision to assets | 2.3954% | 194 |
| Net operating income to assets | -0.2519% | 6,301 |
| Return on assets (ROA) | -0.7581% | 6,669 |
| Pretax return on assets | -0.7581% | 6,627 |
| Return on Equity (ROE) | -6.6494% | 6,614 |
| Retained earnings to average equity (ytd only) | -6.6494% | 6,550 |
| Net charge-offs to loans | 1.6829% | 907 |
| Credit loss provision to net charge-offs | 173.6578% | 1,519 |
| Earnings coverage of net charge-offs (x) | 1.5539% | 4,609 |
| Efficiency ratio | 46.7009% | 7,011 |
| Assets per employee ($millions) | 5.6018% | 1,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3675% | 283 |
| Loan loss allowance to noncurrent loans | 187.3709% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 6.5939% | 712 |
| Noncurrent loans to loans | 2.3309% | 2,822 |
| Net loans and leases to total assets | 77.0344% | 818 |
| Net loans and leases to deposits | 93.0460% | 881 |
| Net loans and leases to core deposits | 103.8641% | 911 |
| Total domestic deposits to total assets | 82.7917% | 4,838 |
| Equity capital to assets | 10.9697% | 3,007 |
| Core capital (leverage) ratio | 10.2555% | 3,019 |
| Tier 1 risk-based capital ratio | 11.9532% | 5,865 |
| Total risk-based capital ratio | 13.2381% | 5,818 |
| Memoranda: | ||
| Average total assets | $722,434,400 | 908 |
| Average earning assets | $644,317,800 | 920 |
| Average equity | $82,368,200 | 812 |
| Average total loans | $592,131,400 | 704 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8418% | 647 |
| Cost of funding earning assets | 1.1131% | 2,890 |
| Net interest margin | 4.7287% | 714 |
| Noninterest income to average assets | -0.2063% | 7,270 |
| Noninterest expense to average assets | 1.8584% | 6,908 |
| Loan and lease loss provision to assets | 2.0776% | 251 |
| Net operating income to assets | 0.0849% | 5,996 |
| Return on assets (ROA) | 0.0849% | 6,114 |
| Pretax return on assets | 0.0849% | 6,123 |
| Return on Equity (ROE) | 0.7381% | 6,118 |
| Retained earnings to average equity (ytd only) | 0.7381% | 5,718 |
| Net charge-offs to loans | 0.9978% | 1,615 |
| Credit loss provision to net charge-offs | 252.9662% | 1,133 |
| Earnings coverage of net charge-offs (x) | 2.6331% | 3,798 |
| Efficiency ratio | 46.2186% | 7,048 |
| Assets per employee ($millions) | 5.7766% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2284% | 333 |
| Loan loss allowance to noncurrent loans | 345.6096% | 928 |
| Noncurrent assets plus other real estate owned to assets | 5.9138% | 912 |
| Noncurrent loans to loans | 1.2235% | 4,500 |
| Net loans and leases to total assets | 76.9167% | 848 |
| Net loans and leases to deposits | 93.6511% | 865 |
| Net loans and leases to core deposits | 104.4465% | 955 |
| Total domestic deposits to total assets | 82.1312% | 5,041 |
| Equity capital to assets | 11.6306% | 2,556 |
| Core capital (leverage) ratio | 11.0704% | 2,332 |
| Tier 1 risk-based capital ratio | 12.5707% | 5,433 |
| Total risk-based capital ratio | 13.8533% | 5,381 |
| Memoranda: | ||
| Average total assets | $725,186,500 | 909 |
| Average earning assets | $648,278,750 | 925 |
| Average equity | $83,450,000 | 809 |
| Average total loans | $596,896,250 | 708 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9913% | 486 |
| Cost of funding earning assets | 1.1403% | 2,971 |
| Net interest margin | 4.8510% | 553 |
| Noninterest income to average assets | -0.3506% | 7,395 |
| Noninterest expense to average assets | 1.8967% | 6,952 |
| Loan and lease loss provision to assets | 2.8366% | 167 |
| Net operating income to assets | -0.7339% | 6,833 |
| Return on assets (ROA) | -0.7339% | 6,846 |
| Pretax return on assets | -0.7339% | 6,792 |
| Return on Equity (ROE) | -6.4006% | 6,798 |
| Retained earnings to average equity (ytd only) | -6.4006% | 6,678 |
| Net charge-offs to loans | 1.0784% | 1,462 |
| Credit loss provision to net charge-offs | 317.0206% | 960 |
| Earnings coverage of net charge-offs (x) | 2.3500% | 3,649 |
| Efficiency ratio | 47.4246% | 7,089 |
| Assets per employee ($millions) | 5.5473% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1965% | 359 |
| Loan loss allowance to noncurrent loans | 172.7584% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 5.7107% | 1,013 |
| Noncurrent loans to loans | 2.4291% | 2,956 |
| Net loans and leases to total assets | 78.9234% | 658 |
| Net loans and leases to deposits | 94.2392% | 858 |
| Net loans and leases to core deposits | 104.9367% | 989 |
| Total domestic deposits to total assets | 83.7480% | 4,449 |
| Equity capital to assets | 11.2990% | 2,684 |
| Core capital (leverage) ratio | 10.6649% | 2,555 |
| Tier 1 risk-based capital ratio | 12.1140% | 5,699 |
| Total risk-based capital ratio | 13.3971% | 5,644 |
| Memoranda: | ||
| Average total assets | $726,225,670 | 914 |
| Average earning assets | $651,212,000 | 928 |
| Average equity | $83,273,000 | 810 |
| Average total loans | $602,557,330 | 713 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5501% | 198 |
| Cost of funding earning assets | 1.1996% | 2,820 |
| Net interest margin | 5.3504% | 208 |
| Noninterest income to average assets | 0.1137% | 6,843 |
| Noninterest expense to average assets | 1.7880% | 7,155 |
| Loan and lease loss provision to assets | 2.0778% | 264 |
| Net operating income to assets | 1.0498% | 2,000 |
| Return on assets (ROA) | 1.0498% | 2,053 |
| Pretax return on assets | 1.0498% | 2,947 |
| Return on Equity (ROE) | 9.0907% | 2,444 |
| Retained earnings to average equity (ytd only) | 9.0907% | 1,357 |
| Net charge-offs to loans | 0.5576% | 2,100 |
| Credit loss provision to net charge-offs | 447.5854% | 786 |
| Earnings coverage of net charge-offs (x) | 6.7373% | 2,056 |
| Efficiency ratio | 36.3737% | 7,438 |
| Assets per employee ($millions) | 5.5846% | 1,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4204% | 653 |
| Loan loss allowance to noncurrent loans | 109.2936% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 6.0181% | 959 |
| Noncurrent loans to loans | 3.1296% | 2,401 |
| Net loans and leases to total assets | 80.8935% | 441 |
| Net loans and leases to deposits | 97.2820% | 609 |
| Net loans and leases to core deposits | 108.5134% | 814 |
| Total domestic deposits to total assets | 83.1536% | 4,872 |
| Equity capital to assets | 11.8597% | 2,003 |
| Core capital (leverage) ratio | 11.0724% | 2,134 |
| Tier 1 risk-based capital ratio | 12.6693% | 5,098 |
| Total risk-based capital ratio | 13.9438% | 5,047 |
| Memoranda: | ||
| Average total assets | $731,536,500 | 914 |
| Average earning assets | $656,544,000 | 925 |
| Average equity | $84,481,500 | 786 |
| Average total loans | $609,077,000 | 709 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0750% | 4,206 |
| Cost of funding earning assets | 1.4602% | 2,892 |
| Net interest margin | 3.6148% | 4,744 |
| Noninterest income to average assets | 0.3685% | 5,159 |
| Noninterest expense to average assets | 2.2750% | 6,422 |
| Loan and lease loss provision to assets | 3.7201% | 188 |
| Net operating income to assets | -2.3514% | 7,152 |
| Return on assets (ROA) | -2.3496% | 7,159 |
| Pretax return on assets | -2.3496% | 7,127 |
| Return on Equity (ROE) | -20.0457% | 7,038 |
| Retained earnings to average equity (ytd only) | -20.0457% | 7,011 |
| Net charge-offs to loans | 4.5893% | 231 |
| Credit loss provision to net charge-offs | 98.1980% | 4,714 |
| Earnings coverage of net charge-offs (x) | 0.3613% | 5,743 |
| Efficiency ratio | 62.4366% | 5,647 |
| Assets per employee ($millions) | 5.6262% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8773% | 975 |
| Loan loss allowance to noncurrent loans | 56.4427% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 7.6516% | 671 |
| Noncurrent loans to loans | 5.0977% | 1,310 |
| Net loans and leases to total assets | 80.3947% | 615 |
| Net loans and leases to deposits | 98.2068% | 698 |
| Net loans and leases to core deposits | 109.5083% | 949 |
| Total domestic deposits to total assets | 81.8627% | 5,230 |
| Equity capital to assets | 11.2466% | 2,457 |
| Core capital (leverage) ratio | 10.6093% | 2,455 |
| Tier 1 risk-based capital ratio | 12.0356% | 5,440 |
| Total risk-based capital ratio | 13.3035% | 5,407 |
| Memoranda: | ||
| Average total assets | $757,351,400 | 891 |
| Average earning assets | $686,205,200 | 893 |
| Average equity | $88,772,200 | 756 |
| Average total loans | $625,167,200 | 708 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1722% | 3,975 |
| Cost of funding earning assets | 1.4938% | 3,019 |
| Net interest margin | 3.6784% | 4,511 |
| Noninterest income to average assets | 0.3525% | 5,349 |
| Noninterest expense to average assets | 2.3238% | 6,253 |
| Loan and lease loss provision to assets | 4.9360% | 92 |
| Net operating income to assets | -3.5663% | 7,527 |
| Return on assets (ROA) | -3.5641% | 7,540 |
| Pretax return on assets | -3.5641% | 7,512 |
| Return on Equity (ROE) | -30.1088% | 7,382 |
| Retained earnings to average equity (ytd only) | -30.1088% | 7,374 |
| Net charge-offs to loans | 6.0369% | 98 |
| Credit loss provision to net charge-offs | 99.1205% | 4,399 |
| Earnings coverage of net charge-offs (x) | 0.2750% | 5,750 |
| Efficiency ratio | 62.9162% | 5,446 |
| Assets per employee ($millions) | 5.7135% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9179% | 887 |
| Loan loss allowance to noncurrent loans | 48.5362% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 8.5150% | 563 |
| Noncurrent loans to loans | 6.0118% | 1,035 |
| Net loans and leases to total assets | 80.4282% | 675 |
| Net loans and leases to deposits | 98.0184% | 792 |
| Net loans and leases to core deposits | 109.6631% | 1,055 |
| Total domestic deposits to total assets | 82.0542% | 4,968 |
| Equity capital to assets | 10.9022% | 3,052 |
| Core capital (leverage) ratio | 10.2629% | 2,966 |
| Tier 1 risk-based capital ratio | 11.5832% | 5,846 |
| Total risk-based capital ratio | 12.8514% | 5,819 |
| Memoranda: | ||
| Average total assets | $761,025,000 | 886 |
| Average earning assets | $691,216,500 | 893 |
| Average equity | $90,084,250 | 737 |
| Average total loans | $627,772,750 | 705 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7598% | 5,931 |
| Cost of funding earning assets | 1.5238% | 3,109 |
| Net interest margin | 3.2359% | 6,204 |
| Noninterest income to average assets | 0.3666% | 5,206 |
| Noninterest expense to average assets | 2.5378% | 5,581 |
| Loan and lease loss provision to assets | 6.5633% | 60 |
| Net operating income to assets | -5.7814% | 7,729 |
| Return on assets (ROA) | -5.7814% | 7,733 |
| Pretax return on assets | -5.7814% | 7,718 |
| Return on Equity (ROE) | -47.6265% | 7,596 |
| Retained earnings to average equity (ytd only) | -47.6265% | 7,592 |
| Net charge-offs to loans | 8.5024% | 50 |
| Credit loss provision to net charge-offs | 93.7091% | 4,306 |
| Earnings coverage of net charge-offs (x) | 0.1116% | 5,609 |
| Efficiency ratio | 76.4470% | 2,990 |
| Assets per employee ($millions) | 5.5921% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6436% | 1,140 |
| Loan loss allowance to noncurrent loans | 44.2462% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 6.5156% | 854 |
| Noncurrent loans to loans | 5.9747% | 1,071 |
| Net loans and leases to total assets | 80.5594% | 717 |
| Net loans and leases to deposits | 95.9584% | 1,054 |
| Net loans and leases to core deposits | 110.5782% | 1,129 |
| Total domestic deposits to total assets | 83.9525% | 4,128 |
| Equity capital to assets | 10.4857% | 3,426 |
| Core capital (leverage) ratio | 9.6207% | 3,656 |
| Tier 1 risk-based capital ratio | 11.2552% | 5,991 |
| Total risk-based capital ratio | 12.5213% | 5,959 |
| Memoranda: | ||
| Average total assets | $767,117,000 | 886 |
| Average earning assets | $700,076,330 | 881 |
| Average equity | $93,120,330 | 709 |
| Average total loans | $631,918,670 | 707 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2227% | 3,907 |
| Cost of funding earning assets | 1.5567% | 3,225 |
| Net interest margin | 3.6660% | 4,406 |
| Noninterest income to average assets | 0.3864% | 5,026 |
| Noninterest expense to average assets | 1.9669% | 7,220 |
| Loan and lease loss provision to assets | 0.7217% | 1,763 |
| Net operating income to assets | 1.0471% | 2,013 |
| Return on assets (ROA) | 1.0471% | 2,074 |
| Pretax return on assets | 1.0471% | 2,911 |
| Return on Equity (ROE) | 8.0879% | 2,845 |
| Retained earnings to average equity (ytd only) | 8.0879% | 1,675 |
| Net charge-offs to loans | 0.4299% | 2,755 |
| Credit loss provision to net charge-offs | 204.2460% | 1,822 |
| Earnings coverage of net charge-offs (x) | 5.0059% | 2,491 |
| Efficiency ratio | 52.6520% | 7,086 |
| Assets per employee ($millions) | 5.7937% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9768% | 840 |
| Loan loss allowance to noncurrent loans | 102.5701% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 4.0450% | 1,692 |
| Noncurrent loans to loans | 2.9022% | 2,779 |
| Net loans and leases to total assets | 78.8294% | 1,000 |
| Net loans and leases to deposits | 100.9637% | 698 |
| Net loans and leases to core deposits | 112.7146% | 1,119 |
| Total domestic deposits to total assets | 78.0770% | 6,297 |
| Equity capital to assets | 13.2466% | 1,419 |
| Core capital (leverage) ratio | 12.8833% | 1,254 |
| Tier 1 risk-based capital ratio | 14.3073% | 3,488 |
| Total risk-based capital ratio | 15.5757% | 3,442 |
| Memoranda: | ||
| Average total assets | $773,209,500 | 897 |
| Average earning assets | $706,376,500 | 891 |
| Average equity | $100,100,500 | 661 |
| Average total loans | $635,536,500 | 719 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1825% | 1,285 |
| Cost of funding earning assets | 2.0415% | 2,767 |
| Net interest margin | 4.1410% | 2,278 |
| Noninterest income to average assets | 0.4533% | 4,778 |
| Noninterest expense to average assets | 2.0277% | 7,326 |
| Loan and lease loss provision to assets | 1.5246% | 1,510 |
| Net operating income to assets | 0.6659% | 3,080 |
| Return on assets (ROA) | 0.6659% | 3,131 |
| Pretax return on assets | 0.6659% | 3,695 |
| Return on Equity (ROE) | 4.9808% | 3,671 |
| Retained earnings to average equity (ytd only) | -0.1488% | 4,976 |
| Net charge-offs to loans | 0.6476% | 3,249 |
| Credit loss provision to net charge-offs | 282.5369% | 1,196 |
| Earnings coverage of net charge-offs (x) | 4.0595% | 3,082 |
| Efficiency ratio | 48.0701% | 7,628 |
| Assets per employee ($millions) | 5.6196% | 1,538 |
| Cash dividends to net income (ytd only)* | 102.9866% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8641% | 870 |
| Loan loss allowance to noncurrent loans | 173.8848% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 2.4596% | 2,831 |
| Noncurrent loans to loans | 1.6471% | 4,179 |
| Net loans and leases to total assets | 80.7815% | 868 |
| Net loans and leases to deposits | 103.0523% | 691 |
| Net loans and leases to core deposits | 152.4981% | 453 |
| Total domestic deposits to total assets | 78.3889% | 6,148 |
| Equity capital to assets | 12.6386% | 1,676 |
| Core capital (leverage) ratio | 12.2353% | 1,560 |
| Tier 1 risk-based capital ratio | 13.3548% | 3,910 |
| Total risk-based capital ratio | 14.6220% | 3,843 |
| Memoranda: | ||
| Average total assets | $729,040,600 | 933 |
| Average earning assets | $662,834,400 | 933 |
| Average equity | $97,474,400 | 678 |
| Average total loans | $607,435,400 | 772 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2427% | 1,260 |
| Cost of funding earning assets | 2.1617% | 2,591 |
| Net interest margin | 4.0809% | 2,475 |
| Noninterest income to average assets | 0.4722% | 4,733 |
| Noninterest expense to average assets | 2.0671% | 7,249 |
| Loan and lease loss provision to assets | 0.7035% | 2,622 |
| Net operating income to assets | 1.4062% | 1,010 |
| Return on assets (ROA) | 1.4062% | 1,078 |
| Pretax return on assets | 1.4062% | 1,678 |
| Return on Equity (ROE) | 10.3667% | 1,798 |
| Retained earnings to average equity (ytd only) | 10.3667% | 567 |
| Net charge-offs to loans | -0.2387% | 7,981 |
| Credit loss provision to net charge-offs | -353.4884% | 7,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4903% | 7,585 |
| Assets per employee ($millions) | 5.4097% | 1,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5927% | 973 |
| Loan loss allowance to noncurrent loans | 122.7283% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 2.6986% | 2,579 |
| Noncurrent loans to loans | 2.1126% | 3,492 |
| Net loans and leases to total assets | 80.5859% | 1,069 |
| Net loans and leases to deposits | 104.2806% | 751 |
| Net loans and leases to core deposits | 155.0404% | 477 |
| Total domestic deposits to total assets | 77.2779% | 6,273 |
| Equity capital to assets | 14.0763% | 1,282 |
| Core capital (leverage) ratio | 13.7191% | 1,161 |
| Tier 1 risk-based capital ratio | 15.1411% | 2,982 |
| Total risk-based capital ratio | 16.4055% | 2,913 |
| Memoranda: | ||
| Average total assets | $720,234,750 | 957 |
| Average earning assets | $653,786,000 | 962 |
| Average equity | $97,695,000 | 678 |
| Average total loans | $600,397,250 | 802 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2683% | 1,287 |
| Cost of funding earning assets | 2.2764% | 2,457 |
| Net interest margin | 3.9919% | 2,730 |
| Noninterest income to average assets | 0.4795% | 4,631 |
| Noninterest expense to average assets | 2.2000% | 7,055 |
| Loan and lease loss provision to assets | 0.8692% | 1,939 |
| Net operating income to assets | 1.0478% | 1,945 |
| Return on assets (ROA) | 1.0478% | 2,019 |
| Pretax return on assets | 1.0478% | 2,815 |
| Return on Equity (ROE) | 7.8274% | 2,842 |
| Retained earnings to average equity (ytd only) | 7.8274% | 1,267 |
| Net charge-offs to loans | -0.5542% | 8,105 |
| Credit loss provision to net charge-offs | -187.6513% | 6,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4359% | 7,391 |
| Assets per employee ($millions) | 5.1056% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6461% | 789 |
| Loan loss allowance to noncurrent loans | 235.0469% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 1.9852% | 3,215 |
| Noncurrent loans to loans | 1.1258% | 4,969 |
| Net loans and leases to total assets | 80.6165% | 1,208 |
| Net loans and leases to deposits | 101.7922% | 1,089 |
| Net loans and leases to core deposits | 152.2477% | 595 |
| Total domestic deposits to total assets | 79.1971% | 5,751 |
| Equity capital to assets | 13.9580% | 1,324 |
| Core capital (leverage) ratio | 13.5116% | 1,267 |
| Tier 1 risk-based capital ratio | 14.8570% | 3,084 |
| Total risk-based capital ratio | 16.1218% | 3,011 |
| Memoranda: | ||
| Average total assets | $713,271,330 | 982 |
| Average earning assets | $649,973,000 | 984 |
| Average equity | $95,485,670 | 699 |
| Average total loans | $596,150,000 | 835 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3459% | 1,185 |
| Cost of funding earning assets | 2.4031% | 2,282 |
| Net interest margin | 3.9428% | 2,875 |
| Noninterest income to average assets | 0.4935% | 4,379 |
| Noninterest expense to average assets | 2.1798% | 6,923 |
| Loan and lease loss provision to assets | 0.5916% | 2,132 |
| Net operating income to assets | 1.3144% | 1,349 |
| Return on assets (ROA) | 1.3144% | 1,449 |
| Pretax return on assets | 1.3144% | 2,233 |
| Return on Equity (ROE) | 10.0358% | 2,302 |
| Retained earnings to average equity (ytd only) | 10.0358% | 1,184 |
| Net charge-offs to loans | -0.3932% | 8,093 |
| Credit loss provision to net charge-offs | -179.1809% | 6,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3508% | 7,284 |
| Assets per employee ($millions) | 4.7201% | 2,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1229% | 1,188 |
| Loan loss allowance to noncurrent loans | 238.7590% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 1.8109% | 3,200 |
| Noncurrent loans to loans | 0.8891% | 5,227 |
| Net loans and leases to total assets | 81.8877% | 1,035 |
| Net loans and leases to deposits | 102.3256% | 1,143 |
| Net loans and leases to core deposits | 155.3168% | 576 |
| Total domestic deposits to total assets | 80.0266% | 5,359 |
| Equity capital to assets | 13.2024% | 1,658 |
| Core capital (leverage) ratio | 12.6877% | 1,612 |
| Tier 1 risk-based capital ratio | 13.8024% | 3,695 |
| Total risk-based capital ratio | 15.0611% | 3,611 |
| Memoranda: | ||
| Average total assets | $709,962,000 | 990 |
| Average earning assets | $646,842,500 | 992 |
| Average equity | $92,987,500 | 712 |
| Average total loans | $596,163,000 | 831 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2555% | 8,069 |
| Cost of funding earning assets | 1.8108% | 6,972 |
| Net interest margin | 2.4447% | 7,812 |
| Noninterest income to average assets | 0.4209% | 5,290 |
| Noninterest expense to average assets | 1.2201% | 8,158 |
| Loan and lease loss provision to assets | 0.7880% | 1,891 |
| Net operating income to assets | 0.6571% | 4,075 |
| Return on assets (ROA) | 0.6571% | 3,923 |
| Pretax return on assets | 0.6571% | 4,527 |
| Return on Equity (ROE) | 4.7579% | 4,495 |
| Retained earnings to average equity (ytd only) | -8.0322% | 6,889 |
| Net charge-offs to loans | 0.6255% | 1,966 |
| Credit loss provision to net charge-offs | 150.8453% | 3,480 |
| Earnings coverage of net charge-offs (x) | 2.7662% | 4,704 |
| Efficiency ratio | 45.7790% | 7,941 |
| Assets per employee ($millions) | 4.4758% | 2,651 |
| Cash dividends to net income (ytd only)* | 268.8172% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8494% | 1,532 |
| Loan loss allowance to noncurrent loans | 98.1043% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.6871% | 2,880 |
| Noncurrent loans to loans | 1.8852% | 2,933 |
| Net loans and leases to total assets | 82.7221% | 1,094 |
| Net loans and leases to deposits | 105.0481% | 1,227 |
| Net loans and leases to core deposits | 164.1813% | 505 |
| Total domestic deposits to total assets | 78.7469% | 5,466 |
| Equity capital to assets | 12.9918% | 1,791 |
| Core capital (leverage) ratio | 11.9451% | 1,992 |
| Tier 1 risk-based capital ratio | 13.3775% | 3,885 |
| Total risk-based capital ratio | 14.6330% | 3,787 |
| Memoranda: | ||
| Average total assets | $736,003,600 | 911 |
| Average earning assets | $675,673,200 | 899 |
| Average equity | $101,641,400 | 657 |
| Average total loans | $614,678,600 | 778 |