Home > CNB Bank and Trust, N.A. > Performance and Condition Ratios
CNB Bank and Trust, N.A., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9682% | 2,138 |
| Cost of funding earning assets | 1.6249% | 1,624 |
| Net interest margin | 3.3432% | 2,527 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 2.4684% | 2,388 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.9371% | 2,417 |
| Return on assets (ROA) | 0.9371% | 2,398 |
| Pretax return on assets | 1.2294% | 2,064 |
| Return on Equity (ROE) | 12.6300% | 1,809 |
| Retained earnings to average equity (ytd only) | 6.9293% | 1,911 |
| Net charge-offs to loans | -0.0900% | 4,480 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.2823% | 2,446 |
| Assets per employee ($millions) | 6.5732% | 2,362 |
| Cash dividends to net income (ytd only)* | 45.1541% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 2,459 |
| Loan loss allowance to noncurrent loans | 166.6789% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.4890% | 1,150 |
| Noncurrent loans to loans | 0.7018% | 1,113 |
| Net loans and leases to total assets | 68.7800% | 1,948 |
| Net loans and leases to deposits | 81.4969% | 1,991 |
| Net loans and leases to core deposits | 93.2791% | 1,823 |
| Total domestic deposits to total assets | 84.3900% | 2,505 |
| Equity capital to assets | 7.8565% | 3,514 |
| Core capital (leverage) ratio | 8.7877% | 3,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2734% | 2,508 |
| Memoranda: | ||
| Average total assets | $1,630,712,000 | 670 |
| Average earning assets | $1,515,630,200 | 663 |
| Average equity | $120,950,200 | 816 |
| Average total loans | $1,081,684,800 | 688 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9048% | 2,051 |
| Cost of funding earning assets | 1.5363% | 1,517 |
| Net interest margin | 3.3685% | 2,526 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.4801% | 2,299 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.9279% | 2,594 |
| Return on assets (ROA) | 0.9279% | 2,576 |
| Pretax return on assets | 1.2152% | 2,260 |
| Return on Equity (ROE) | 12.7000% | 1,957 |
| Retained earnings to average equity (ytd only) | 6.6229% | 2,424 |
| Net charge-offs to loans | 0.0167% | 1,801 |
| Credit loss provision to net charge-offs | 427.0677% | 698 |
| Earnings coverage of net charge-offs (x) | 116.4286% | 855 |
| Efficiency ratio | 65.3008% | 2,353 |
| Assets per employee ($millions) | 6.2944% | 2,498 |
| Cash dividends to net income (ytd only)* | 47.8681% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 2,763 |
| Loan loss allowance to noncurrent loans | 152.9958% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.4997% | 1,159 |
| Noncurrent loans to loans | 0.7318% | 1,132 |
| Net loans and leases to total assets | 67.5200% | 2,108 |
| Net loans and leases to deposits | 78.6531% | 2,177 |
| Net loans and leases to core deposits | 89.4624% | 1,966 |
| Total domestic deposits to total assets | 85.8400% | 2,246 |
| Equity capital to assets | 6.9870% | 3,616 |
| Core capital (leverage) ratio | 8.7332% | 3,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1927% | 2,551 |
| Memoranda: | ||
| Average total assets | $1,620,994,500 | 676 |
| Average earning assets | $1,505,340,000 | 668 |
| Average equity | $118,395,000 | 831 |
| Average total loans | $1,061,642,250 | 698 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7021% | 2,200 |
| Cost of funding earning assets | 1.4672% | 1,306 |
| Net interest margin | 3.2349% | 2,898 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.4650% | 2,303 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.8528% | 2,916 |
| Return on assets (ROA) | 0.8528% | 2,918 |
| Pretax return on assets | 1.1095% | 2,619 |
| Return on Equity (ROE) | 11.5100% | 2,294 |
| Retained earnings to average equity (ytd only) | 5.8290% | 2,688 |
| Net charge-offs to loans | 0.0297% | 1,296 |
| Credit loss provision to net charge-offs | 122.5806% | 1,322 |
| Earnings coverage of net charge-offs (x) | 59.0581% | 1,203 |
| Efficiency ratio | 67.7044% | 2,012 |
| Assets per employee ($millions) | 6.2484% | 2,507 |
| Cash dividends to net income (ytd only)* | 49.3469% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 2,821 |
| Loan loss allowance to noncurrent loans | 102.0559% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.7222% | 718 |
| Noncurrent loans to loans | 1.1021% | 648 |
| Net loans and leases to total assets | 64.7900% | 2,298 |
| Net loans and leases to deposits | 74.7550% | 2,422 |
| Net loans and leases to core deposits | 84.7418% | 2,163 |
| Total domestic deposits to total assets | 86.6700% | 2,033 |
| Equity capital to assets | 7.3438% | 3,610 |
| Core capital (leverage) ratio | 8.6726% | 4,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2844% | 2,539 |
| Memoranda: | ||
| Average total assets | $1,615,814,667 | 667 |
| Average earning assets | $1,500,998,667 | 659 |
| Average equity | $119,745,333 | 814 |
| Average total loans | $1,043,028,333 | 690 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4969% | 2,323 |
| Cost of funding earning assets | 1.4032% | 1,014 |
| Net interest margin | 3.0937% | 3,366 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.5235% | 2,185 |
| Loan and lease loss provision to assets | -0.0500% | 4,518 |
| Net operating income to assets | 0.7545% | 3,331 |
| Return on assets (ROA) | 0.7545% | 3,284 |
| Pretax return on assets | 0.9710% | 3,077 |
| Return on Equity (ROE) | 10.1300% | 2,751 |
| Retained earnings to average equity (ytd only) | 5.1041% | 3,002 |
| Net charge-offs to loans | -0.0405% | 4,310 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.3494% | 1,512 |
| Assets per employee ($millions) | 5.9774% | 2,779 |
| Cash dividends to net income (ytd only)* | 49.6360% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 2,771 |
| Loan loss allowance to noncurrent loans | 88.2357% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 0.8453% | 553 |
| Noncurrent loans to loans | 1.3138% | 510 |
| Net loans and leases to total assets | 63.6000% | 2,284 |
| Net loans and leases to deposits | 73.2824% | 2,362 |
| Net loans and leases to core deposits | 80.5977% | 2,209 |
| Total domestic deposits to total assets | 86.7800% | 2,346 |
| Equity capital to assets | 7.4940% | 3,568 |
| Core capital (leverage) ratio | 8.5963% | 4,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4395% | 2,587 |
| Memoranda: | ||
| Average total assets | $1,602,063,500 | 686 |
| Average earning assets | $1,486,897,000 | 674 |
| Average equity | $119,277,000 | 827 |
| Average total loans | $1,026,120,000 | 706 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8153% | 2,231 |
| Cost of funding earning assets | 0.4052% | 2,054 |
| Net interest margin | 3.4101% | 2,226 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.4590% | 2,243 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 0.8854% | 3,022 |
| Return on assets (ROA) | 0.8827% | 2,973 |
| Pretax return on assets | 1.1323% | 2,665 |
| Return on Equity (ROE) | 10.8000% | 2,542 |
| Retained earnings to average equity (ytd only) | 6.1062% | 2,605 |
| Net charge-offs to loans | 0.3726% | 203 |
| Credit loss provision to net charge-offs | 90.6463% | 1,629 |
| Earnings coverage of net charge-offs (x) | 5.9444% | 2,352 |
| Efficiency ratio | 63.9385% | 2,503 |
| Assets per employee ($millions) | 5.8900% | 2,860 |
| Cash dividends to net income (ytd only)* | 43.4373% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 2,935 |
| Loan loss allowance to noncurrent loans | 78.7855% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 0.8842% | 509 |
| Noncurrent loans to loans | 1.3868% | 488 |
| Net loans and leases to total assets | 63.0600% | 2,324 |
| Net loans and leases to deposits | 74.4179% | 2,222 |
| Net loans and leases to core deposits | 81.3703% | 2,046 |
| Total domestic deposits to total assets | 84.7400% | 3,053 |
| Equity capital to assets | 7.3960% | 3,441 |
| Core capital (leverage) ratio | 8.9007% | 3,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5484% | 2,551 |
| Memoranda: | ||
| Average total assets | $1,564,936,600 | 682 |
| Average earning assets | $1,452,613,800 | 673 |
| Average equity | $127,951,600 | 770 |
| Average total loans | $946,954,400 | 721 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7022% | 2,047 |
| Cost of funding earning assets | 0.2786% | 2,397 |
| Net interest margin | 3.4236% | 1,903 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 2.4312% | 2,223 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 0.9726% | 2,580 |
| Return on assets (ROA) | 0.9726% | 2,548 |
| Pretax return on assets | 1.2601% | 2,174 |
| Return on Equity (ROE) | 11.6100% | 2,166 |
| Retained earnings to average equity (ytd only) | 7.0117% | 2,355 |
| Net charge-offs to loans | 0.0521% | 963 |
| Credit loss provision to net charge-offs | 465.5647% | 634 |
| Earnings coverage of net charge-offs (x) | 45.1956% | 1,331 |
| Efficiency ratio | 62.5951% | 2,754 |
| Assets per employee ($millions) | 5.6659% | 3,063 |
| Cash dividends to net income (ytd only)* | 39.6162% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 2,009 |
| Loan loss allowance to noncurrent loans | 71.3345% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.1707% | 362 |
| Noncurrent loans to loans | 1.8279% | 345 |
| Net loans and leases to total assets | 63.2100% | 2,169 |
| Net loans and leases to deposits | 71.4537% | 2,247 |
| Net loans and leases to core deposits | 74.8078% | 2,290 |
| Total domestic deposits to total assets | 88.4700% | 2,285 |
| Equity capital to assets | 7.1828% | 3,416 |
| Core capital (leverage) ratio | 8.8404% | 3,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8969% | 2,518 |
| Memoranda: | ||
| Average total assets | $1,557,122,500 | 689 |
| Average earning assets | $1,446,490,500 | 684 |
| Average equity | $130,425,750 | 760 |
| Average total loans | $929,274,000 | 731 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5446% | 2,005 |
| Cost of funding earning assets | 0.2170% | 2,679 |
| Net interest margin | 3.3276% | 1,831 |
| Noninterest income to average assets | 0.6495% | 1,544 |
| Noninterest expense to average assets | 2.3675% | 2,344 |
| Loan and lease loss provision to assets | 0.0896% | 1,102 |
| Net operating income to assets | 0.9836% | 2,215 |
| Return on assets (ROA) | 0.9836% | 2,191 |
| Pretax return on assets | 1.2782% | 1,822 |
| Return on Equity (ROE) | 11.2229% | 1,916 |
| Retained earnings to average equity (ytd only) | 6.8520% | 2,032 |
| Net charge-offs to loans | -0.0092% | 3,563 |
| Credit loss provision to net charge-offs | -1,671.4286% | 3,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5803% | 2,971 |
| Assets per employee ($millions) | 5.6463% | 3,092 |
| Cash dividends to net income (ytd only)* | 38.9459% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 2,128 |
| Loan loss allowance to noncurrent loans | 51.3714% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 1.5572% | 225 |
| Noncurrent loans to loans | 2.5549% | 219 |
| Net loans and leases to total assets | 60.1390% | 2,311 |
| Net loans and leases to deposits | 67.5296% | 2,432 |
| Net loans and leases to core deposits | 70.6595% | 2,433 |
| Total domestic deposits to total assets | 89.0558% | 2,159 |
| Equity capital to assets | 7.4893% | 3,490 |
| Core capital (leverage) ratio | 8.6226% | 3,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1803% | 2,422 |
| Memoranda: | ||
| Average total assets | $1,566,230,000 | 675 |
| Average earning assets | $1,452,462,333 | 675 |
| Average equity | $137,273,333 | 736 |
| Average total loans | $912,433,333 | 728 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3518% | 2,234 |
| Cost of funding earning assets | 0.2142% | 2,606 |
| Net interest margin | 3.1376% | 2,064 |
| Noninterest income to average assets | 0.6351% | 1,554 |
| Noninterest expense to average assets | 2.3550% | 2,320 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9277% | 2,167 |
| Return on assets (ROA) | 0.9277% | 2,157 |
| Pretax return on assets | 1.2037% | 1,798 |
| Return on Equity (ROE) | 9.8936% | 1,998 |
| Retained earnings to average equity (ytd only) | 5.8620% | 2,290 |
| Net charge-offs to loans | 0.0022% | 1,738 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 955.2000% | 87 |
| Efficiency ratio | 65.3470% | 2,852 |
| Assets per employee ($millions) | 6.0063% | 2,807 |
| Cash dividends to net income (ytd only)* | 40.7498% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2703% | 2,500 |
| Loan loss allowance to noncurrent loans | 52.8030% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 1.3620% | 287 |
| Noncurrent loans to loans | 2.4058% | 258 |
| Net loans and leases to total assets | 55.8801% | 2,540 |
| Net loans and leases to deposits | 63.8222% | 2,548 |
| Net loans and leases to core deposits | 67.0416% | 2,532 |
| Total domestic deposits to total assets | 87.5559% | 2,724 |
| Equity capital to assets | 8.6949% | 2,977 |
| Core capital (leverage) ratio | 8.4992% | 3,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2426% | 2,506 |
| Memoranda: | ||
| Average total assets | $1,587,101,000 | 672 |
| Average earning assets | $1,478,859,000 | 672 |
| Average equity | $148,823,000 | 712 |
| Average total loans | $904,147,500 | 723 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5260% | 2,587 |
| Cost of funding earning assets | 0.2983% | 2,423 |
| Net interest margin | 3.2278% | 2,531 |
| Noninterest income to average assets | 0.7361% | 1,637 |
| Noninterest expense to average assets | 2.3293% | 2,713 |
| Loan and lease loss provision to assets | 0.1585% | 751 |
| Net operating income to assets | 0.9620% | 2,829 |
| Return on assets (ROA) | 0.9620% | 2,897 |
| Pretax return on assets | 1.2559% | 2,503 |
| Return on Equity (ROE) | 9.5841% | 2,688 |
| Retained earnings to average equity (ytd only) | 6.0987% | 2,319 |
| Net charge-offs to loans | 0.1839% | 525 |
| Credit loss provision to net charge-offs | 146.7456% | 1,505 |
| Earnings coverage of net charge-offs (x) | 13.0964% | 2,089 |
| Efficiency ratio | 61.4229% | 2,949 |
| Assets per employee ($millions) | 5.8396% | 2,911 |
| Cash dividends to net income (ytd only)* | 36.3667% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 2,556 |
| Loan loss allowance to noncurrent loans | 50.0941% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.4445% | 300 |
| Noncurrent loans to loans | 2.5187% | 268 |
| Net loans and leases to total assets | 56.6166% | 2,525 |
| Net loans and leases to deposits | 66.0017% | 2,515 |
| Net loans and leases to core deposits | 69.6330% | 2,487 |
| Total domestic deposits to total assets | 85.7804% | 2,980 |
| Equity capital to assets | 10.0631% | 2,597 |
| Core capital (leverage) ratio | 8.3897% | 4,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2784% | 2,538 |
| Memoranda: | ||
| Average total assets | $1,564,914,600 | 662 |
| Average earning assets | $1,458,098,200 | 657 |
| Average equity | $157,083,800 | 686 |
| Average total loans | $918,829,600 | 709 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5185% | 2,772 |
| Cost of funding earning assets | 0.3204% | 2,401 |
| Net interest margin | 3.1981% | 2,733 |
| Noninterest income to average assets | 0.7471% | 1,681 |
| Noninterest expense to average assets | 2.3045% | 2,741 |
| Loan and lease loss provision to assets | 0.1999% | 520 |
| Net operating income to assets | 0.9360% | 3,133 |
| Return on assets (ROA) | 0.9360% | 3,214 |
| Pretax return on assets | 1.2210% | 2,864 |
| Return on Equity (ROE) | 9.3306% | 2,993 |
| Retained earnings to average equity (ytd only) | 6.0089% | 2,816 |
| Net charge-offs to loans | 0.0509% | 1,159 |
| Credit loss provision to net charge-offs | 664.4886% | 665 |
| Earnings coverage of net charge-offs (x) | 47.2443% | 1,271 |
| Efficiency ratio | 61.0568% | 2,827 |
| Assets per employee ($millions) | 5.7781% | 2,915 |
| Cash dividends to net income (ytd only)* | 35.6002% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3987% | 2,022 |
| Loan loss allowance to noncurrent loans | 60.5419% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.3197% | 428 |
| Noncurrent loans to loans | 2.3103% | 351 |
| Net loans and leases to total assets | 56.3086% | 2,693 |
| Net loans and leases to deposits | 65.5201% | 2,677 |
| Net loans and leases to core deposits | 69.4199% | 2,646 |
| Total domestic deposits to total assets | 85.9409% | 2,771 |
| Equity capital to assets | 10.0849% | 2,817 |
| Core capital (leverage) ratio | 8.3756% | 4,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6012% | 2,506 |
| Memoranda: | ||
| Average total assets | $1,560,509,000 | 668 |
| Average earning assets | $1,453,231,750 | 663 |
| Average equity | $156,541,500 | 700 |
| Average total loans | $921,680,250 | 722 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4044% | 3,174 |
| Cost of funding earning assets | 0.3490% | 2,325 |
| Net interest margin | 3.0554% | 3,164 |
| Noninterest income to average assets | 0.7713% | 1,612 |
| Noninterest expense to average assets | 2.2495% | 2,918 |
| Loan and lease loss provision to assets | 0.2714% | 341 |
| Net operating income to assets | 0.8459% | 3,379 |
| Return on assets (ROA) | 0.8459% | 3,453 |
| Pretax return on assets | 1.0961% | 3,230 |
| Return on Equity (ROE) | 8.4476% | 3,271 |
| Retained earnings to average equity (ytd only) | 6.7755% | 2,511 |
| Net charge-offs to loans | 0.0442% | 1,191 |
| Credit loss provision to net charge-offs | 1,027.8049% | 461 |
| Earnings coverage of net charge-offs (x) | 51.7951% | 1,047 |
| Efficiency ratio | 61.3602% | 2,820 |
| Assets per employee ($millions) | 5.7517% | 2,846 |
| Cash dividends to net income (ytd only)* | 19.7929% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3758% | 2,077 |
| Loan loss allowance to noncurrent loans | 61.6219% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 1.2890% | 500 |
| Noncurrent loans to loans | 2.2327% | 399 |
| Net loans and leases to total assets | 56.9264% | 2,790 |
| Net loans and leases to deposits | 66.9550% | 2,727 |
| Net loans and leases to core deposits | 71.4194% | 2,654 |
| Total domestic deposits to total assets | 85.0219% | 3,084 |
| Equity capital to assets | 9.9201% | 2,923 |
| Core capital (leverage) ratio | 8.1763% | 4,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,552,944,333 | 668 |
| Average earning assets | $1,446,343,667 | 659 |
| Average equity | $155,500,667 | 693 |
| Average total loans | $927,532,000 | 724 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4197% | 3,136 |
| Cost of funding earning assets | 0.3839% | 2,227 |
| Net interest margin | 3.0358% | 3,170 |
| Noninterest income to average assets | 0.7703% | 1,665 |
| Noninterest expense to average assets | 2.2439% | 2,961 |
| Loan and lease loss provision to assets | 0.1256% | 1,090 |
| Net operating income to assets | 0.9435% | 2,994 |
| Return on assets (ROA) | 0.9435% | 3,081 |
| Pretax return on assets | 1.2300% | 2,761 |
| Return on Equity (ROE) | 9.3774% | 2,897 |
| Retained earnings to average equity (ytd only) | 9.3774% | 1,831 |
| Net charge-offs to loans | 0.0188% | 1,363 |
| Credit loss provision to net charge-offs | 1,097.7273% | 390 |
| Earnings coverage of net charge-offs (x) | 118.5000% | 553 |
| Efficiency ratio | 61.4951% | 2,842 |
| Assets per employee ($millions) | 5.8261% | 2,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 2,989 |
| Loan loss allowance to noncurrent loans | 51.8647% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.3529% | 508 |
| Noncurrent loans to loans | 2.2925% | 428 |
| Net loans and leases to total assets | 58.1986% | 2,783 |
| Net loans and leases to deposits | 68.3071% | 2,665 |
| Net loans and leases to core deposits | 73.0224% | 2,612 |
| Total domestic deposits to total assets | 85.2014% | 3,026 |
| Equity capital to assets | 9.7658% | 2,933 |
| Core capital (leverage) ratio | 8.3731% | 4,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,538,562,500 | 666 |
| Average earning assets | $1,433,817,000 | 660 |
| Average equity | $154,797,500 | 691 |
| Average total loans | $934,813,000 | 714 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3262% | 1,781 |
| Cost of funding earning assets | 0.7589% | 1,403 |
| Net interest margin | 3.5672% | 2,255 |
| Noninterest income to average assets | 0.9134% | 1,232 |
| Noninterest expense to average assets | 2.5315% | 2,749 |
| Loan and lease loss provision to assets | 0.3330% | 1,069 |
| Net operating income to assets | 1.0196% | 2,219 |
| Return on assets (ROA) | 1.0196% | 2,357 |
| Pretax return on assets | 1.3531% | 1,809 |
| Return on Equity (ROE) | 9.8655% | 2,052 |
| Retained earnings to average equity (ytd only) | 6.6362% | 1,532 |
| Net charge-offs to loans | 0.6060% | 252 |
| Credit loss provision to net charge-offs | 82.6360% | 2,971 |
| Earnings coverage of net charge-offs (x) | 4.1836% | 3,016 |
| Efficiency ratio | 59.2427% | 3,562 |
| Assets per employee ($millions) | 5.5071% | 2,840 |
| Cash dividends to net income (ytd only)* | 32.7338% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 3,265 |
| Loan loss allowance to noncurrent loans | 47.0264% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 1.5230% | 474 |
| Noncurrent loans to loans | 2.4209% | 429 |
| Net loans and leases to total assets | 62.0196% | 2,611 |
| Net loans and leases to deposits | 73.3844% | 2,551 |
| Net loans and leases to core deposits | 78.9180% | 2,464 |
| Total domestic deposits to total assets | 84.5132% | 2,945 |
| Equity capital to assets | 10.3748% | 2,778 |
| Core capital (leverage) ratio | 8.3313% | 4,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,423,228,000 | 647 |
| Average earning assets | $1,318,283,200 | 641 |
| Average equity | $147,087,600 | 686 |
| Average total loans | $946,589,600 | 679 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4924% | 1,591 |
| Cost of funding earning assets | 0.8281% | 1,367 |
| Net interest margin | 3.6643% | 2,045 |
| Noninterest income to average assets | 0.8965% | 1,232 |
| Noninterest expense to average assets | 2.5139% | 2,792 |
| Loan and lease loss provision to assets | 0.4316% | 766 |
| Net operating income to assets | 1.0092% | 2,307 |
| Return on assets (ROA) | 1.0092% | 2,437 |
| Pretax return on assets | 1.3395% | 1,909 |
| Return on Equity (ROE) | 9.7754% | 2,101 |
| Retained earnings to average equity (ytd only) | 6.3307% | 1,957 |
| Net charge-offs to loans | 0.2940% | 535 |
| Credit loss provision to net charge-offs | 217.4391% | 2,047 |
| Earnings coverage of net charge-offs (x) | 8.9231% | 2,463 |
| Efficiency ratio | 57.8900% | 3,678 |
| Assets per employee ($millions) | 5.3383% | 2,849 |
| Cash dividends to net income (ytd only)* | 35.2377% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4640% | 1,490 |
| Loan loss allowance to noncurrent loans | 50.5480% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 1.8828% | 383 |
| Noncurrent loans to loans | 2.8963% | 333 |
| Net loans and leases to total assets | 64.0057% | 2,770 |
| Net loans and leases to deposits | 75.6585% | 2,784 |
| Net loans and leases to core deposits | 82.2602% | 2,645 |
| Total domestic deposits to total assets | 84.5982% | 2,594 |
| Equity capital to assets | 10.2198% | 3,043 |
| Core capital (leverage) ratio | 8.2359% | 4,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,405,929,000 | 637 |
| Average earning assets | $1,300,117,500 | 630 |
| Average equity | $145,150,500 | 687 |
| Average total loans | $949,173,500 | 669 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5770% | 1,699 |
| Cost of funding earning assets | 0.9093% | 1,332 |
| Net interest margin | 3.6678% | 2,273 |
| Noninterest income to average assets | 0.8073% | 1,412 |
| Noninterest expense to average assets | 2.4666% | 3,054 |
| Loan and lease loss provision to assets | 0.4824% | 763 |
| Net operating income to assets | 0.9466% | 2,505 |
| Return on assets (ROA) | 0.9466% | 2,639 |
| Pretax return on assets | 1.2494% | 2,186 |
| Return on Equity (ROE) | 9.1356% | 2,302 |
| Retained earnings to average equity (ytd only) | 5.6386% | 2,216 |
| Net charge-offs to loans | 0.5249% | 305 |
| Credit loss provision to net charge-offs | 134.3019% | 2,208 |
| Earnings coverage of net charge-offs (x) | 4.8216% | 2,567 |
| Efficiency ratio | 57.9438% | 3,695 |
| Assets per employee ($millions) | 5.2620% | 2,871 |
| Cash dividends to net income (ytd only)* | 38.2790% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 2,234 |
| Loan loss allowance to noncurrent loans | 68.0952% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 1.2524% | 848 |
| Noncurrent loans to loans | 1.8426% | 759 |
| Net loans and leases to total assets | 67.0333% | 2,493 |
| Net loans and leases to deposits | 79.3805% | 2,505 |
| Net loans and leases to core deposits | 86.4699% | 2,396 |
| Total domestic deposits to total assets | 84.4456% | 2,579 |
| Equity capital to assets | 10.1188% | 3,096 |
| Core capital (leverage) ratio | 8.2703% | 4,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,379,890,000 | 632 |
| Average earning assets | $1,275,761,667 | 627 |
| Average equity | $142,978,333 | 684 |
| Average total loans | $944,235,667 | 661 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6459% | 1,869 |
| Cost of funding earning assets | 1.0359% | 1,277 |
| Net interest margin | 3.6101% | 2,627 |
| Noninterest income to average assets | 0.7277% | 1,539 |
| Noninterest expense to average assets | 2.4761% | 3,345 |
| Loan and lease loss provision to assets | 0.1913% | 1,568 |
| Net operating income to assets | 1.0454% | 2,020 |
| Return on assets (ROA) | 1.0454% | 2,118 |
| Pretax return on assets | 1.3933% | 1,585 |
| Return on Equity (ROE) | 9.9607% | 1,756 |
| Retained earnings to average equity (ytd only) | 6.5368% | 1,700 |
| Net charge-offs to loans | 0.2183% | 645 |
| Credit loss provision to net charge-offs | 127.5449% | 1,681 |
| Earnings coverage of net charge-offs (x) | 10.5629% | 1,762 |
| Efficiency ratio | 60.1136% | 3,726 |
| Assets per employee ($millions) | 4.6310% | 3,083 |
| Cash dividends to net income (ytd only)* | 34.3741% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 2,145 |
| Loan loss allowance to noncurrent loans | 58.7711% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.5010% | 713 |
| Noncurrent loans to loans | 2.2151% | 605 |
| Net loans and leases to total assets | 66.8038% | 2,722 |
| Net loans and leases to deposits | 78.4327% | 2,840 |
| Net loans and leases to core deposits | 86.5224% | 2,642 |
| Total domestic deposits to total assets | 85.1733% | 2,344 |
| Equity capital to assets | 10.4423% | 3,373 |
| Core capital (leverage) ratio | 8.7371% | 4,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9591% | 2,720 |
| Memoranda: | ||
| Average total assets | $1,335,787,500 | 624 |
| Average earning assets | $1,233,333,000 | 619 |
| Average equity | $140,191,000 | 690 |
| Average total loans | $918,045,000 | 655 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9074% | 1,735 |
| Cost of funding earning assets | 1.1628% | 1,117 |
| Net interest margin | 3.7446% | 2,679 |
| Noninterest income to average assets | 0.7762% | 1,523 |
| Noninterest expense to average assets | 2.6424% | 3,053 |
| Loan and lease loss provision to assets | 0.1591% | 1,315 |
| Net operating income to assets | 1.0746% | 2,551 |
| Return on assets (ROA) | 1.0723% | 2,657 |
| Pretax return on assets | 1.4305% | 2,042 |
| Return on Equity (ROE) | 10.5791% | 2,052 |
| Retained earnings to average equity (ytd only) | 7.3146% | 1,248 |
| Net charge-offs to loans | 0.0877% | 1,865 |
| Credit loss provision to net charge-offs | 255.3114% | 1,073 |
| Earnings coverage of net charge-offs (x) | 25.5592% | 1,732 |
| Efficiency ratio | 61.5197% | 3,449 |
| Assets per employee ($millions) | 4.7446% | 2,902 |
| Cash dividends to net income (ytd only)* | 30.8576% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 2,159 |
| Loan loss allowance to noncurrent loans | 56.7485% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 1.5495% | 644 |
| Noncurrent loans to loans | 2.2078% | 559 |
| Net loans and leases to total assets | 68.8986% | 2,553 |
| Net loans and leases to deposits | 81.9003% | 2,571 |
| Net loans and leases to core deposits | 90.9196% | 2,330 |
| Total domestic deposits to total assets | 84.1250% | 2,811 |
| Equity capital to assets | 10.5479% | 3,399 |
| Core capital (leverage) ratio | 8.6220% | 4,768 |
| Tier 1 risk-based capital ratio | 11.1217% | 4,813 |
| Total risk-based capital ratio | 12.3151% | 4,728 |
| Memoranda: | ||
| Average total assets | $1,314,591,400 | 614 |
| Average earning assets | $1,214,182,200 | 603 |
| Average equity | $133,253,600 | 691 |
| Average total loans | $933,724,200 | 614 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9203% | 1,759 |
| Cost of funding earning assets | 1.1553% | 1,153 |
| Net interest margin | 3.7649% | 2,702 |
| Noninterest income to average assets | 0.7641% | 1,544 |
| Noninterest expense to average assets | 2.6574% | 2,990 |
| Loan and lease loss provision to assets | 0.1586% | 1,189 |
| Net operating income to assets | 1.0710% | 2,685 |
| Return on assets (ROA) | 1.0679% | 2,786 |
| Pretax return on assets | 1.4244% | 2,210 |
| Return on Equity (ROE) | 10.6453% | 2,158 |
| Retained earnings to average equity (ytd only) | 7.4493% | 1,650 |
| Net charge-offs to loans | 0.0993% | 1,477 |
| Credit loss provision to net charge-offs | 223.8506% | 1,202 |
| Earnings coverage of net charge-offs (x) | 22.3994% | 1,872 |
| Efficiency ratio | 61.7200% | 3,369 |
| Assets per employee ($millions) | 4.6204% | 3,015 |
| Cash dividends to net income (ytd only)* | 30.0229% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 2,454 |
| Loan loss allowance to noncurrent loans | 68.9581% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 1.2904% | 944 |
| Noncurrent loans to loans | 1.7552% | 823 |
| Net loans and leases to total assets | 69.4581% | 2,559 |
| Net loans and leases to deposits | 81.8965% | 2,696 |
| Net loans and leases to core deposits | 90.9249% | 2,473 |
| Total domestic deposits to total assets | 84.8120% | 2,494 |
| Equity capital to assets | 10.4368% | 3,604 |
| Core capital (leverage) ratio | 8.6273% | 4,871 |
| Tier 1 risk-based capital ratio | 10.9917% | 4,908 |
| Total risk-based capital ratio | 12.1572% | 4,839 |
| Memoranda: | ||
| Average total assets | $1,309,931,750 | 616 |
| Average earning assets | $1,210,826,250 | 606 |
| Average equity | $131,410,000 | 698 |
| Average total loans | $934,597,250 | 613 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9114% | 1,717 |
| Cost of funding earning assets | 1.1395% | 1,164 |
| Net interest margin | 3.7718% | 2,686 |
| Noninterest income to average assets | 0.7039% | 1,695 |
| Noninterest expense to average assets | 2.6664% | 3,012 |
| Loan and lease loss provision to assets | 0.1626% | 1,116 |
| Net operating income to assets | 1.0308% | 2,800 |
| Return on assets (ROA) | 1.0261% | 2,901 |
| Pretax return on assets | 1.3651% | 2,319 |
| Return on Equity (ROE) | 10.3697% | 2,225 |
| Retained earnings to average equity (ytd only) | 6.6557% | 1,976 |
| Net charge-offs to loans | 0.1320% | 1,145 |
| Credit loss provision to net charge-offs | 171.8447% | 1,358 |
| Earnings coverage of net charge-offs (x) | 16.2071% | 1,944 |
| Efficiency ratio | 62.5542% | 3,345 |
| Assets per employee ($millions) | 4.6909% | 2,890 |
| Cash dividends to net income (ytd only)* | 35.8155% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 2,718 |
| Loan loss allowance to noncurrent loans | 48.6563% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 1.7747% | 572 |
| Noncurrent loans to loans | 2.3891% | 521 |
| Net loans and leases to total assets | 70.8470% | 2,415 |
| Net loans and leases to deposits | 82.9187% | 2,626 |
| Net loans and leases to core deposits | 92.2089% | 2,396 |
| Total domestic deposits to total assets | 85.4416% | 2,289 |
| Equity capital to assets | 10.3134% | 3,682 |
| Core capital (leverage) ratio | 8.2409% | 5,090 |
| Tier 1 risk-based capital ratio | 11.1119% | 4,864 |
| Total risk-based capital ratio | 12.2814% | 4,812 |
| Memoranda: | ||
| Average total assets | $1,306,102,000 | 616 |
| Average earning assets | $1,210,654,000 | 608 |
| Average equity | $129,242,000 | 704 |
| Average total loans | $936,436,670 | 613 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8413% | 1,788 |
| Cost of funding earning assets | 1.0923% | 1,208 |
| Net interest margin | 3.7490% | 2,715 |
| Noninterest income to average assets | 0.6235% | 1,944 |
| Noninterest expense to average assets | 2.6124% | 3,180 |
| Loan and lease loss provision to assets | 0.2520% | 577 |
| Net operating income to assets | 0.9323% | 3,116 |
| Return on assets (ROA) | 0.9323% | 3,155 |
| Pretax return on assets | 1.2356% | 2,680 |
| Return on Equity (ROE) | 9.6234% | 2,534 |
| Retained earnings to average equity (ytd only) | 5.8396% | 2,528 |
| Net charge-offs to loans | 0.0950% | 1,183 |
| Credit loss provision to net charge-offs | 369.9552% | 733 |
| Earnings coverage of net charge-offs (x) | 21.8386% | 1,521 |
| Efficiency ratio | 62.6881% | 3,434 |
| Assets per employee ($millions) | 4.8186% | 2,765 |
| Cash dividends to net income (ytd only)* | 39.3185% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 2,716 |
| Loan loss allowance to noncurrent loans | 54.0388% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.5619% | 748 |
| Noncurrent loans to loans | 2.1728% | 657 |
| Net loans and leases to total assets | 70.2852% | 2,442 |
| Net loans and leases to deposits | 81.6321% | 2,648 |
| Net loans and leases to core deposits | 90.5022% | 2,442 |
| Total domestic deposits to total assets | 86.0999% | 2,232 |
| Equity capital to assets | 9.7856% | 4,020 |
| Core capital (leverage) ratio | 7.9472% | 5,218 |
| Tier 1 risk-based capital ratio | 10.8358% | 5,053 |
| Total risk-based capital ratio | 12.0172% | 4,982 |
| Memoranda: | ||
| Average total assets | $1,309,457,500 | 618 |
| Average earning assets | $1,214,293,000 | 607 |
| Average equity | $126,857,000 | 716 |
| Average total loans | $938,951,500 | 615 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6810% | 1,894 |
| Cost of funding earning assets | 0.8971% | 1,104 |
| Net interest margin | 3.7839% | 2,729 |
| Noninterest income to average assets | 0.4865% | 2,900 |
| Noninterest expense to average assets | 2.4785% | 3,674 |
| Loan and lease loss provision to assets | 0.2316% | 769 |
| Net operating income to assets | 1.0140% | 2,951 |
| Return on assets (ROA) | 1.0127% | 2,937 |
| Pretax return on assets | 1.3562% | 2,291 |
| Return on Equity (ROE) | 11.9388% | 1,735 |
| Retained earnings to average equity (ytd only) | -3.3130% | 5,190 |
| Net charge-offs to loans | 0.2069% | 925 |
| Credit loss provision to net charge-offs | 145.4785% | 1,869 |
| Earnings coverage of net charge-offs (x) | 9.9828% | 2,766 |
| Efficiency ratio | 60.1777% | 3,826 |
| Assets per employee ($millions) | 4.7771% | 2,774 |
| Cash dividends to net income (ytd only)* | 127.7501% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 2,435 |
| Loan loss allowance to noncurrent loans | 54.6849% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 1.7488% | 600 |
| Noncurrent loans to loans | 2.2408% | 577 |
| Net loans and leases to total assets | 75.9146% | 1,632 |
| Net loans and leases to deposits | 86.7466% | 2,184 |
| Net loans and leases to core deposits | 98.9405% | 1,794 |
| Total domestic deposits to total assets | 87.5130% | 1,527 |
| Equity capital to assets | 8.1046% | 5,127 |
| Core capital (leverage) ratio | 7.9481% | 5,257 |
| Tier 1 risk-based capital ratio | 10.0563% | 5,294 |
| Total risk-based capital ratio | 11.3063% | 5,245 |
| Memoranda: | ||
| Average total assets | $951,508,800 | 802 |
| Average earning assets | $900,602,200 | 783 |
| Average equity | $80,711,400 | 1,021 |
| Average total loans | $732,409,600 | 749 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6501% | 1,832 |
| Cost of funding earning assets | 0.8215% | 1,236 |
| Net interest margin | 3.8286% | 2,535 |
| Noninterest income to average assets | 0.4800% | 2,982 |
| Noninterest expense to average assets | 2.4756% | 3,665 |
| Loan and lease loss provision to assets | 0.2158% | 776 |
| Net operating income to assets | 1.0472% | 2,877 |
| Return on assets (ROA) | 1.0454% | 2,899 |
| Pretax return on assets | 1.4009% | 2,228 |
| Return on Equity (ROE) | 12.1833% | 1,729 |
| Retained earnings to average equity (ytd only) | -6.1073% | 5,335 |
| Net charge-offs to loans | 0.1523% | 1,082 |
| Credit loss provision to net charge-offs | 183.9759% | 1,479 |
| Earnings coverage of net charge-offs (x) | 13.8012% | 2,325 |
| Efficiency ratio | 59.6769% | 3,855 |
| Assets per employee ($millions) | 5.1476% | 2,283 |
| Cash dividends to net income (ytd only)* | 150.1285% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2517% | 2,359 |
| Loan loss allowance to noncurrent loans | 58.3030% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 1.7129% | 712 |
| Noncurrent loans to loans | 2.1469% | 665 |
| Net loans and leases to total assets | 76.8455% | 1,526 |
| Net loans and leases to deposits | 87.8686% | 2,171 |
| Net loans and leases to core deposits | 100.0215% | 1,795 |
| Total domestic deposits to total assets | 87.4550% | 1,512 |
| Equity capital to assets | 8.1785% | 5,097 |
| Core capital (leverage) ratio | 8.0689% | 5,301 |
| Tier 1 risk-based capital ratio | 10.1124% | 5,361 |
| Total risk-based capital ratio | 11.3630% | 5,293 |
| Memoranda: | ||
| Average total assets | $943,367,750 | 806 |
| Average earning assets | $890,653,000 | 789 |
| Average equity | $80,950,500 | 1,013 |
| Average total loans | $726,431,250 | 753 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6158% | 1,733 |
| Cost of funding earning assets | 0.7524% | 1,360 |
| Net interest margin | 3.8634% | 2,337 |
| Noninterest income to average assets | 0.4830% | 2,957 |
| Noninterest expense to average assets | 2.4313% | 3,816 |
| Loan and lease loss provision to assets | 0.1767% | 1,026 |
| Net operating income to assets | 1.1324% | 2,468 |
| Return on assets (ROA) | 1.1297% | 2,481 |
| Pretax return on assets | 1.5170% | 1,753 |
| Return on Equity (ROE) | 12.9605% | 1,386 |
| Retained earnings to average equity (ytd only) | -11.0110% | 5,430 |
| Net charge-offs to loans | 0.1597% | 965 |
| Credit loss provision to net charge-offs | 144.2708% | 1,613 |
| Earnings coverage of net charge-offs (x) | 13.8542% | 2,130 |
| Efficiency ratio | 58.1135% | 4,210 |
| Assets per employee ($millions) | 5.0811% | 2,312 |
| Cash dividends to net income (ytd only)* | 184.9586% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2053% | 2,679 |
| Loan loss allowance to noncurrent loans | 105.0291% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 0.9509% | 1,589 |
| Noncurrent loans to loans | 1.1476% | 1,525 |
| Net loans and leases to total assets | 77.8711% | 1,338 |
| Net loans and leases to deposits | 88.9467% | 1,988 |
| Net loans and leases to core deposits | 99.7865% | 1,756 |
| Total domestic deposits to total assets | 87.5481% | 1,617 |
| Equity capital to assets | 8.3815% | 5,030 |
| Core capital (leverage) ratio | 7.9718% | 5,352 |
| Tier 1 risk-based capital ratio | 10.1928% | 5,379 |
| Total risk-based capital ratio | 11.4386% | 5,307 |
| Memoranda: | ||
| Average total assets | $940,386,330 | 811 |
| Average earning assets | $887,344,330 | 791 |
| Average equity | $81,972,330 | 1,006 |
| Average total loans | $721,547,000 | 761 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5455% | 1,730 |
| Cost of funding earning assets | 0.7132% | 1,375 |
| Net interest margin | 3.8322% | 2,291 |
| Noninterest income to average assets | 0.4433% | 3,158 |
| Noninterest expense to average assets | 2.4381% | 3,843 |
| Loan and lease loss provision to assets | 0.2094% | 776 |
| Net operating income to assets | 1.0439% | 2,673 |
| Return on assets (ROA) | 1.0439% | 2,691 |
| Pretax return on assets | 1.3891% | 2,050 |
| Return on Equity (ROE) | 11.7536% | 1,668 |
| Retained earnings to average equity (ytd only) | 7.9675% | 1,850 |
| Net charge-offs to loans | 0.2621% | 588 |
| Credit loss provision to net charge-offs | 105.5437% | 1,495 |
| Earnings coverage of net charge-offs (x) | 8.0576% | 2,051 |
| Efficiency ratio | 59.6144% | 4,115 |
| Assets per employee ($millions) | 4.3414% | 3,410 |
| Cash dividends to net income (ytd only)* | 32.2123% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 2,786 |
| Loan loss allowance to noncurrent loans | 95.5050% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.9856% | 1,594 |
| Noncurrent loans to loans | 1.2599% | 1,432 |
| Net loans and leases to total assets | 74.6508% | 1,762 |
| Net loans and leases to deposits | 85.2394% | 2,270 |
| Net loans and leases to core deposits | 94.4860% | 2,098 |
| Total domestic deposits to total assets | 87.5778% | 1,861 |
| Equity capital to assets | 8.8999% | 4,661 |
| Core capital (leverage) ratio | 8.5496% | 5,108 |
| Tier 1 risk-based capital ratio | 11.1688% | 5,045 |
| Total risk-based capital ratio | 12.3994% | 4,954 |
| Memoranda: | ||
| Average total assets | $945,659,500 | 811 |
| Average earning assets | $886,687,000 | 793 |
| Average equity | $83,991,000 | 996 |
| Average total loans | $715,865,000 | 767 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5259% | 1,630 |
| Cost of funding earning assets | 0.6465% | 1,316 |
| Net interest margin | 3.8794% | 2,155 |
| Noninterest income to average assets | 0.5271% | 2,836 |
| Noninterest expense to average assets | 2.3981% | 4,085 |
| Loan and lease loss provision to assets | 0.2409% | 792 |
| Net operating income to assets | 0.8991% | 2,716 |
| Return on assets (ROA) | 0.9026% | 2,726 |
| Pretax return on assets | 1.4813% | 1,713 |
| Return on Equity (ROE) | 10.3418% | 1,755 |
| Retained earnings to average equity (ytd only) | 6.4249% | 1,321 |
| Net charge-offs to loans | 0.3511% | 725 |
| Credit loss provision to net charge-offs | 92.3423% | 2,741 |
| Earnings coverage of net charge-offs (x) | 6.5811% | 3,164 |
| Efficiency ratio | 57.4922% | 4,589 |
| Assets per employee ($millions) | 4.6319% | 2,977 |
| Cash dividends to net income (ytd only)* | 37.8743% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 2,803 |
| Loan loss allowance to noncurrent loans | 136.3911% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.6922% | 2,243 |
| Noncurrent loans to loans | 0.8777% | 2,028 |
| Net loans and leases to total assets | 74.9325% | 1,762 |
| Net loans and leases to deposits | 86.2719% | 2,227 |
| Net loans and leases to core deposits | 95.7181% | 2,054 |
| Total domestic deposits to total assets | 86.8562% | 2,064 |
| Equity capital to assets | 8.8635% | 4,846 |
| Core capital (leverage) ratio | 8.4036% | 5,222 |
| Tier 1 risk-based capital ratio | 10.9252% | 5,190 |
| Total risk-based capital ratio | 12.1480% | 5,088 |
| Memoranda: | ||
| Average total assets | $936,118,200 | 795 |
| Average earning assets | $865,753,200 | 786 |
| Average equity | $81,697,600 | 994 |
| Average total loans | $695,530,800 | 753 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4610% | 1,755 |
| Cost of funding earning assets | 0.6309% | 1,349 |
| Net interest margin | 3.8301% | 2,287 |
| Noninterest income to average assets | 0.5197% | 2,901 |
| Noninterest expense to average assets | 2.3205% | 4,243 |
| Loan and lease loss provision to assets | 0.2383% | 747 |
| Net operating income to assets | 0.9866% | 2,610 |
| Return on assets (ROA) | 0.9866% | 2,669 |
| Pretax return on assets | 1.4977% | 1,774 |
| Return on Equity (ROE) | 11.3501% | 1,552 |
| Retained earnings to average equity (ytd only) | 7.6056% | 1,385 |
| Net charge-offs to loans | 0.3960% | 537 |
| Credit loss provision to net charge-offs | 81.4146% | 2,563 |
| Earnings coverage of net charge-offs (x) | 5.9317% | 3,046 |
| Efficiency ratio | 56.4053% | 4,687 |
| Assets per employee ($millions) | 4.8379% | 2,654 |
| Cash dividends to net income (ytd only)* | 32.9908% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 2,937 |
| Loan loss allowance to noncurrent loans | 99.1605% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 0.9424% | 1,810 |
| Noncurrent loans to loans | 1.2098% | 1,573 |
| Net loans and leases to total assets | 74.7431% | 1,797 |
| Net loans and leases to deposits | 86.1027% | 2,279 |
| Net loans and leases to core deposits | 95.5961% | 2,120 |
| Total domestic deposits to total assets | 86.8069% | 1,955 |
| Equity capital to assets | 9.0985% | 4,820 |
| Core capital (leverage) ratio | 8.6257% | 5,128 |
| Tier 1 risk-based capital ratio | 11.1818% | 5,135 |
| Total risk-based capital ratio | 12.4058% | 5,054 |
| Memoranda: | ||
| Average total assets | $933,921,750 | 799 |
| Average earning assets | $862,413,250 | 792 |
| Average equity | $81,184,000 | 1,004 |
| Average total loans | $690,258,750 | 760 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3913% | 1,843 |
| Cost of funding earning assets | 0.6205% | 1,332 |
| Net interest margin | 3.7709% | 2,406 |
| Noninterest income to average assets | 0.5190% | 2,904 |
| Noninterest expense to average assets | 2.3201% | 4,289 |
| Loan and lease loss provision to assets | 0.2988% | 516 |
| Net operating income to assets | 0.9125% | 2,850 |
| Return on assets (ROA) | 0.9125% | 2,901 |
| Pretax return on assets | 1.3760% | 2,114 |
| Return on Equity (ROE) | 10.6606% | 1,776 |
| Retained earnings to average equity (ytd only) | 6.9209% | 1,634 |
| Net charge-offs to loans | 0.3952% | 517 |
| Credit loss provision to net charge-offs | 103.0928% | 1,969 |
| Earnings coverage of net charge-offs (x) | 5.7791% | 2,784 |
| Efficiency ratio | 57.2703% | 4,678 |
| Assets per employee ($millions) | 4.6312% | 2,890 |
| Cash dividends to net income (ytd only)* | 35.0795% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2786% | 2,515 |
| Loan loss allowance to noncurrent loans | 86.5664% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.1402% | 1,513 |
| Noncurrent loans to loans | 1.4771% | 1,278 |
| Net loans and leases to total assets | 73.4289% | 1,971 |
| Net loans and leases to deposits | 83.2520% | 2,572 |
| Net loans and leases to core deposits | 92.9902% | 2,248 |
| Total domestic deposits to total assets | 88.2009% | 1,353 |
| Equity capital to assets | 8.9018% | 4,985 |
| Core capital (leverage) ratio | 8.3118% | 5,345 |
| Tier 1 risk-based capital ratio | 11.2148% | 5,133 |
| Total risk-based capital ratio | 12.4659% | 5,026 |
| Memoranda: | ||
| Average total assets | $937,214,330 | 802 |
| Average earning assets | $863,881,000 | 793 |
| Average equity | $80,220,670 | 1,013 |
| Average total loans | $687,330,000 | 763 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2876% | 1,989 |
| Cost of funding earning assets | 0.6076% | 1,324 |
| Net interest margin | 3.6800% | 2,561 |
| Noninterest income to average assets | 0.4820% | 3,096 |
| Noninterest expense to average assets | 2.2531% | 4,526 |
| Loan and lease loss provision to assets | 0.1086% | 1,758 |
| Net operating income to assets | 0.9874% | 2,359 |
| Return on assets (ROA) | 0.9874% | 2,407 |
| Pretax return on assets | 1.5076% | 1,510 |
| Return on Equity (ROE) | 11.7666% | 1,319 |
| Retained earnings to average equity (ytd only) | 7.9742% | 1,472 |
| Net charge-offs to loans | 0.1567% | 1,031 |
| Credit loss provision to net charge-offs | 95.1673% | 1,649 |
| Earnings coverage of net charge-offs (x) | 14.1599% | 1,741 |
| Efficiency ratio | 57.3966% | 4,791 |
| Assets per employee ($millions) | 4.7015% | 2,844 |
| Cash dividends to net income (ytd only)* | 32.2303% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 2,598 |
| Loan loss allowance to noncurrent loans | 93.7560% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 1.0434% | 1,737 |
| Noncurrent loans to loans | 1.3733% | 1,464 |
| Net loans and leases to total assets | 71.0200% | 2,219 |
| Net loans and leases to deposits | 80.0704% | 2,747 |
| Net loans and leases to core deposits | 88.8950% | 2,464 |
| Total domestic deposits to total assets | 88.6970% | 1,321 |
| Equity capital to assets | 8.4763% | 5,259 |
| Core capital (leverage) ratio | 8.1396% | 5,484 |
| Tier 1 risk-based capital ratio | 11.0108% | 5,306 |
| Total risk-based capital ratio | 12.2616% | 5,211 |
| Memoranda: | ||
| Average total assets | $942,703,000 | 799 |
| Average earning assets | $867,707,500 | 798 |
| Average equity | $79,105,000 | 1,021 |
| Average total loans | $686,527,500 | 761 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3609% | 1,951 |
| Cost of funding earning assets | 0.6022% | 1,314 |
| Net interest margin | 3.7587% | 2,475 |
| Noninterest income to average assets | 0.5066% | 3,191 |
| Noninterest expense to average assets | 2.4172% | 4,256 |
| Loan and lease loss provision to assets | 0.1764% | 1,369 |
| Net operating income to assets | 0.9398% | 2,636 |
| Return on assets (ROA) | 0.9412% | 2,737 |
| Pretax return on assets | 1.4373% | 1,793 |
| Return on Equity (ROE) | 10.8881% | 1,623 |
| Retained earnings to average equity (ytd only) | 7.3109% | 1,108 |
| Net charge-offs to loans | 0.0299% | 3,419 |
| Credit loss provision to net charge-offs | 792.4623% | 466 |
| Earnings coverage of net charge-offs (x) | 72.4070% | 773 |
| Efficiency ratio | 59.1594% | 4,709 |
| Assets per employee ($millions) | 4.7256% | 2,749 |
| Cash dividends to net income (ytd only)* | 32.8541% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 2,732 |
| Loan loss allowance to noncurrent loans | 81.2587% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 1.1749% | 1,550 |
| Noncurrent loans to loans | 1.5565% | 1,273 |
| Net loans and leases to total assets | 72.7765% | 2,047 |
| Net loans and leases to deposits | 82.2327% | 2,641 |
| Net loans and leases to core deposits | 91.1152% | 2,387 |
| Total domestic deposits to total assets | 88.5007% | 1,377 |
| Equity capital to assets | 8.3058% | 5,414 |
| Core capital (leverage) ratio | 8.0328% | 5,604 |
| Tier 1 risk-based capital ratio | 10.6981% | 5,487 |
| Total risk-based capital ratio | 11.9487% | 5,402 |
| Memoranda: | ||
| Average total assets | $894,158,600 | 811 |
| Average earning assets | $837,872,400 | 785 |
| Average equity | $77,295,400 | 1,029 |
| Average total loans | $664,980,600 | 748 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3169% | 2,115 |
| Cost of funding earning assets | 0.6001% | 1,330 |
| Net interest margin | 3.7169% | 2,652 |
| Noninterest income to average assets | 0.5088% | 3,188 |
| Noninterest expense to average assets | 2.3358% | 4,444 |
| Loan and lease loss provision to assets | 0.1532% | 1,524 |
| Net operating income to assets | 0.9829% | 2,506 |
| Return on assets (ROA) | 0.9848% | 2,635 |
| Pretax return on assets | 1.5063% | 1,689 |
| Return on Equity (ROE) | 11.2745% | 1,571 |
| Retained earnings to average equity (ytd only) | 7.7723% | 1,268 |
| Net charge-offs to loans | 0.0322% | 3,002 |
| Credit loss provision to net charge-offs | 637.7358% | 592 |
| Earnings coverage of net charge-offs (x) | 68.9701% | 865 |
| Efficiency ratio | 57.6472% | 4,868 |
| Assets per employee ($millions) | 4.6960% | 2,756 |
| Cash dividends to net income (ytd only)* | 31.0630% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 3,248 |
| Loan loss allowance to noncurrent loans | 93.8845% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 1.0042% | 2,054 |
| Noncurrent loans to loans | 1.2758% | 1,754 |
| Net loans and leases to total assets | 75.4206% | 1,634 |
| Net loans and leases to deposits | 86.0058% | 2,255 |
| Net loans and leases to core deposits | 95.1979% | 2,079 |
| Total domestic deposits to total assets | 87.6925% | 1,559 |
| Equity capital to assets | 8.8421% | 5,293 |
| Core capital (leverage) ratio | 8.3656% | 5,454 |
| Tier 1 risk-based capital ratio | 10.7225% | 5,512 |
| Total risk-based capital ratio | 11.9600% | 5,429 |
| Memoranda: | ||
| Average total assets | $882,598,750 | 821 |
| Average earning assets | $827,199,750 | 800 |
| Average equity | $77,092,250 | 1,036 |
| Average total loans | $657,936,750 | 755 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2680% | 2,265 |
| Cost of funding earning assets | 0.6017% | 1,301 |
| Net interest margin | 3.6662% | 2,835 |
| Noninterest income to average assets | 0.5179% | 3,083 |
| Noninterest expense to average assets | 2.3340% | 4,518 |
| Loan and lease loss provision to assets | 0.1338% | 1,708 |
| Net operating income to assets | 0.9813% | 2,462 |
| Return on assets (ROA) | 0.9842% | 2,596 |
| Pretax return on assets | 1.4907% | 1,696 |
| Return on Equity (ROE) | 11.3153% | 1,536 |
| Retained earnings to average equity (ytd only) | 7.7727% | 1,259 |
| Net charge-offs to loans | 0.0318% | 2,825 |
| Credit loss provision to net charge-offs | 568.9320% | 596 |
| Earnings coverage of net charge-offs (x) | 68.9126% | 785 |
| Efficiency ratio | 58.1563% | 4,881 |
| Assets per employee ($millions) | 4.6513% | 2,793 |
| Cash dividends to net income (ytd only)* | 31.3080% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1930% | 3,404 |
| Loan loss allowance to noncurrent loans | 88.6786% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 1.0499% | 2,025 |
| Noncurrent loans to loans | 1.3453% | 1,674 |
| Net loans and leases to total assets | 73.3897% | 1,948 |
| Net loans and leases to deposits | 82.8558% | 2,606 |
| Net loans and leases to core deposits | 91.5419% | 2,381 |
| Total domestic deposits to total assets | 88.5752% | 1,127 |
| Equity capital to assets | 8.8162% | 5,388 |
| Core capital (leverage) ratio | 8.1525% | 5,627 |
| Tier 1 risk-based capital ratio | 11.1037% | 5,364 |
| Total risk-based capital ratio | 12.3490% | 5,282 |
| Memoranda: | ||
| Average total assets | $876,255,330 | 831 |
| Average earning assets | $821,282,330 | 809 |
| Average equity | $76,215,330 | 1,047 |
| Average total loans | $647,829,670 | 767 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2794% | 2,201 |
| Cost of funding earning assets | 0.5994% | 1,342 |
| Net interest margin | 3.6801% | 2,755 |
| Noninterest income to average assets | 0.4762% | 3,296 |
| Noninterest expense to average assets | 2.3425% | 4,542 |
| Loan and lease loss provision to assets | 0.1361% | 1,540 |
| Net operating income to assets | 0.9598% | 2,461 |
| Return on assets (ROA) | 0.9598% | 2,577 |
| Pretax return on assets | 1.4494% | 1,751 |
| Return on Equity (ROE) | 11.1121% | 1,561 |
| Retained earnings to average equity (ytd only) | 7.5198% | 1,656 |
| Net charge-offs to loans | -0.0262% | 5,000 |
| Credit loss provision to net charge-offs | -704.7619% | 4,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7478% | 4,908 |
| Assets per employee ($millions) | 4.6695% | 2,791 |
| Cash dividends to net income (ytd only)* | 32.3276% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 3,504 |
| Loan loss allowance to noncurrent loans | 91.1418% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 0.9755% | 2,271 |
| Noncurrent loans to loans | 1.3129% | 1,824 |
| Net loans and leases to total assets | 71.9146% | 2,052 |
| Net loans and leases to deposits | 81.1063% | 2,659 |
| Net loans and leases to core deposits | 89.9685% | 2,378 |
| Total domestic deposits to total assets | 88.6671% | 1,258 |
| Equity capital to assets | 8.5839% | 5,507 |
| Core capital (leverage) ratio | 7.9667% | 5,788 |
| Tier 1 risk-based capital ratio | 10.7550% | 5,639 |
| Total risk-based capital ratio | 11.9720% | 5,561 |
| Memoranda: | ||
| Average total assets | $870,182,500 | 840 |
| Average earning assets | $816,184,000 | 817 |
| Average equity | $75,161,500 | 1,060 |
| Average total loans | $641,811,000 | 771 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3227% | 2,139 |
| Cost of funding earning assets | 0.5761% | 1,540 |
| Net interest margin | 3.7465% | 2,572 |
| Noninterest income to average assets | 0.5111% | 3,250 |
| Noninterest expense to average assets | 2.5123% | 4,190 |
| Loan and lease loss provision to assets | 0.2077% | 1,018 |
| Net operating income to assets | 0.8437% | 3,139 |
| Return on assets (ROA) | 0.8471% | 3,195 |
| Pretax return on assets | 1.2831% | 2,341 |
| Return on Equity (ROE) | 9.6634% | 2,148 |
| Retained earnings to average equity (ytd only) | 6.3283% | 1,641 |
| Net charge-offs to loans | 0.1128% | 2,248 |
| Credit loss provision to net charge-offs | 256.7771% | 1,118 |
| Earnings coverage of net charge-offs (x) | 18.3690% | 2,016 |
| Efficiency ratio | 61.6538% | 4,666 |
| Assets per employee ($millions) | 4.4668% | 3,098 |
| Cash dividends to net income (ytd only)* | 34.5125% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 3,712 |
| Loan loss allowance to noncurrent loans | 99.1014% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 0.9070% | 2,391 |
| Noncurrent loans to loans | 1.1689% | 2,023 |
| Net loans and leases to total assets | 73.8989% | 1,752 |
| Net loans and leases to deposits | 84.0672% | 2,352 |
| Net loans and leases to core deposits | 92.9821% | 2,134 |
| Total domestic deposits to total assets | 87.9046% | 1,682 |
| Equity capital to assets | 8.6931% | 5,393 |
| Core capital (leverage) ratio | 8.1341% | 5,753 |
| Tier 1 risk-based capital ratio | 10.6750% | 5,692 |
| Total risk-based capital ratio | 11.8539% | 5,647 |
| Memoranda: | ||
| Average total assets | $820,962,400 | 845 |
| Average earning assets | $764,064,600 | 828 |
| Average equity | $71,962,000 | 1,057 |
| Average total loans | $588,743,400 | 792 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2969% | 2,239 |
| Cost of funding earning assets | 0.5676% | 1,649 |
| Net interest margin | 3.7293% | 2,649 |
| Noninterest income to average assets | 0.5196% | 3,229 |
| Noninterest expense to average assets | 2.5409% | 4,079 |
| Loan and lease loss provision to assets | 0.1619% | 1,320 |
| Net operating income to assets | 0.8472% | 3,181 |
| Return on assets (ROA) | 0.8517% | 3,251 |
| Pretax return on assets | 1.2870% | 2,443 |
| Return on Equity (ROE) | 9.6958% | 2,225 |
| Retained earnings to average equity (ytd only) | 6.4750% | 1,974 |
| Net charge-offs to loans | 0.1078% | 2,054 |
| Credit loss provision to net charge-offs | 211.8026% | 1,279 |
| Earnings coverage of net charge-offs (x) | 18.8669% | 1,978 |
| Efficiency ratio | 62.8191% | 4,437 |
| Assets per employee ($millions) | 4.3848% | 3,185 |
| Cash dividends to net income (ytd only)* | 33.2177% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 4,033 |
| Loan loss allowance to noncurrent loans | 91.1612% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 0.9284% | 2,539 |
| Noncurrent loans to loans | 1.2441% | 2,051 |
| Net loans and leases to total assets | 71.1272% | 2,210 |
| Net loans and leases to deposits | 81.3992% | 2,716 |
| Net loans and leases to core deposits | 89.6692% | 2,497 |
| Total domestic deposits to total assets | 87.3808% | 1,854 |
| Equity capital to assets | 8.6678% | 5,596 |
| Core capital (leverage) ratio | 8.2220% | 5,757 |
| Tier 1 risk-based capital ratio | 10.8988% | 5,706 |
| Total risk-based capital ratio | 12.0361% | 5,692 |
| Memoranda: | ||
| Average total assets | $812,911,000 | 866 |
| Average earning assets | $754,937,250 | 848 |
| Average equity | $71,410,750 | 1,072 |
| Average total loans | $576,461,500 | 814 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2791% | 2,245 |
| Cost of funding earning assets | 0.5621% | 1,710 |
| Net interest margin | 3.7170% | 2,639 |
| Noninterest income to average assets | 0.5139% | 3,276 |
| Noninterest expense to average assets | 2.4854% | 4,287 |
| Loan and lease loss provision to assets | 0.1760% | 1,179 |
| Net operating income to assets | 0.8604% | 3,078 |
| Return on assets (ROA) | 0.8622% | 3,171 |
| Pretax return on assets | 1.3064% | 2,336 |
| Return on Equity (ROE) | 9.7701% | 2,173 |
| Retained earnings to average equity (ytd only) | 6.8077% | 1,789 |
| Net charge-offs to loans | 0.1422% | 1,647 |
| Credit loss provision to net charge-offs | 175.4342% | 1,371 |
| Earnings coverage of net charge-offs (x) | 14.7469% | 2,036 |
| Efficiency ratio | 61.7080% | 4,723 |
| Assets per employee ($millions) | 4.1808% | 3,506 |
| Cash dividends to net income (ytd only)* | 30.3205% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 4,122 |
| Loan loss allowance to noncurrent loans | 82.9944% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 1.0335% | 2,437 |
| Noncurrent loans to loans | 1.3766% | 1,966 |
| Net loans and leases to total assets | 71.7039% | 2,045 |
| Net loans and leases to deposits | 82.5077% | 2,494 |
| Net loans and leases to core deposits | 88.3762% | 2,518 |
| Total domestic deposits to total assets | 86.9057% | 2,215 |
| Equity capital to assets | 8.9267% | 5,307 |
| Core capital (leverage) ratio | 8.3563% | 5,670 |
| Tier 1 risk-based capital ratio | 11.5002% | 5,466 |
| Total risk-based capital ratio | 12.6695% | 5,442 |
| Memoranda: | ||
| Average total assets | $803,251,330 | 880 |
| Average earning assets | $745,812,000 | 859 |
| Average equity | $70,890,000 | 1,086 |
| Average total loans | $566,721,330 | 829 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2262% | 2,362 |
| Cost of funding earning assets | 0.5618% | 1,735 |
| Net interest margin | 3.6644% | 2,758 |
| Noninterest income to average assets | 0.5088% | 3,225 |
| Noninterest expense to average assets | 2.5005% | 4,259 |
| Loan and lease loss provision to assets | 0.1842% | 1,032 |
| Net operating income to assets | 0.8011% | 3,251 |
| Return on assets (ROA) | 0.8015% | 3,380 |
| Pretax return on assets | 1.2176% | 2,597 |
| Return on Equity (ROE) | 9.1338% | 2,389 |
| Retained earnings to average equity (ytd only) | 6.1554% | 2,398 |
| Net charge-offs to loans | 0.0980% | 1,742 |
| Credit loss provision to net charge-offs | 270.0730% | 882 |
| Earnings coverage of net charge-offs (x) | 20.5474% | 1,412 |
| Efficiency ratio | 63.0901% | 4,617 |
| Assets per employee ($millions) | 4.2179% | 3,530 |
| Cash dividends to net income (ytd only)* | 32.6087% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1717% | 4,138 |
| Loan loss allowance to noncurrent loans | 79.5479% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 1.0384% | 2,544 |
| Noncurrent loans to loans | 1.4729% | 1,923 |
| Net loans and leases to total assets | 67.8382% | 2,469 |
| Net loans and leases to deposits | 77.4592% | 2,884 |
| Net loans and leases to core deposits | 82.1692% | 2,952 |
| Total domestic deposits to total assets | 87.5792% | 2,057 |
| Equity capital to assets | 8.7058% | 5,567 |
| Core capital (leverage) ratio | 8.2503% | 5,777 |
| Tier 1 risk-based capital ratio | 11.1097% | 5,756 |
| Total risk-based capital ratio | 12.2523% | 5,738 |
| Memoranda: | ||
| Average total assets | $803,519,500 | 881 |
| Average earning assets | $744,017,500 | 859 |
| Average equity | $70,507,000 | 1,092 |
| Average total loans | $558,967,000 | 836 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4512% | 2,065 |
| Cost of funding earning assets | 0.5799% | 1,953 |
| Net interest margin | 3.8713% | 2,355 |
| Noninterest income to average assets | 0.5005% | 3,505 |
| Noninterest expense to average assets | 2.6473% | 4,062 |
| Loan and lease loss provision to assets | 0.2171% | 1,142 |
| Net operating income to assets | 0.7574% | 3,587 |
| Return on assets (ROA) | 0.7612% | 3,665 |
| Pretax return on assets | 1.1562% | 2,848 |
| Return on Equity (ROE) | 8.6124% | 2,782 |
| Retained earnings to average equity (ytd only) | 5.3349% | 2,384 |
| Net charge-offs to loans | 0.1983% | 2,081 |
| Credit loss provision to net charge-offs | 162.9447% | 1,493 |
| Earnings coverage of net charge-offs (x) | 10.2628% | 2,633 |
| Efficiency ratio | 64.9449% | 4,411 |
| Assets per employee ($millions) | 3.9837% | 3,995 |
| Cash dividends to net income (ytd only)* | 38.0557% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 4,330 |
| Loan loss allowance to noncurrent loans | 79.4792% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 1.0399% | 2,660 |
| Noncurrent loans to loans | 1.4359% | 2,050 |
| Net loans and leases to total assets | 69.7169% | 2,274 |
| Net loans and leases to deposits | 80.0837% | 2,702 |
| Net loans and leases to core deposits | 84.9347% | 2,787 |
| Total domestic deposits to total assets | 87.0551% | 2,249 |
| Equity capital to assets | 8.8464% | 5,431 |
| Core capital (leverage) ratio | 8.0161% | 5,996 |
| Tier 1 risk-based capital ratio | 10.8561% | 5,962 |
| Total risk-based capital ratio | 11.9547% | 5,961 |
| Memoranda: | ||
| Average total assets | $759,477,400 | 893 |
| Average earning assets | $689,455,800 | 894 |
| Average equity | $67,124,200 | 1,102 |
| Average total loans | $510,339,800 | 871 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4437% | 2,071 |
| Cost of funding earning assets | 0.5806% | 2,014 |
| Net interest margin | 3.8632% | 2,380 |
| Noninterest income to average assets | 0.5126% | 3,461 |
| Noninterest expense to average assets | 2.7146% | 3,774 |
| Loan and lease loss provision to assets | 0.2297% | 967 |
| Net operating income to assets | 0.7063% | 3,911 |
| Return on assets (ROA) | 0.7066% | 4,011 |
| Pretax return on assets | 1.0590% | 3,344 |
| Return on Equity (ROE) | 7.9965% | 3,207 |
| Retained earnings to average equity (ytd only) | 4.3854% | 3,530 |
| Net charge-offs to loans | 0.2713% | 1,447 |
| Credit loss provision to net charge-offs | 127.6847% | 1,811 |
| Earnings coverage of net charge-offs (x) | 7.1606% | 2,966 |
| Efficiency ratio | 66.8098% | 4,083 |
| Assets per employee ($millions) | 3.9566% | 3,968 |
| Cash dividends to net income (ytd only)* | 45.1581% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 4,555 |
| Loan loss allowance to noncurrent loans | 75.6852% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 1.0496% | 2,860 |
| Noncurrent loans to loans | 1.5075% | 2,150 |
| Net loans and leases to total assets | 66.6077% | 2,756 |
| Net loans and leases to deposits | 76.6056% | 3,116 |
| Net loans and leases to core deposits | 81.3796% | 3,165 |
| Total domestic deposits to total assets | 86.9488% | 2,348 |
| Equity capital to assets | 8.7330% | 5,617 |
| Core capital (leverage) ratio | 8.1288% | 5,986 |
| Tier 1 risk-based capital ratio | 11.1236% | 5,944 |
| Total risk-based capital ratio | 12.2116% | 5,957 |
| Memoranda: | ||
| Average total assets | $752,155,750 | 912 |
| Average earning assets | $679,561,250 | 911 |
| Average equity | $66,461,000 | 1,111 |
| Average total loans | $498,862,250 | 903 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4810% | 1,895 |
| Cost of funding earning assets | 0.5832% | 2,049 |
| Net interest margin | 3.8978% | 2,176 |
| Noninterest income to average assets | 0.4748% | 3,673 |
| Noninterest expense to average assets | 2.6474% | 4,065 |
| Loan and lease loss provision to assets | 0.2132% | 1,105 |
| Net operating income to assets | 0.7401% | 3,621 |
| Return on assets (ROA) | 0.7405% | 3,718 |
| Pretax return on assets | 1.1243% | 2,996 |
| Return on Equity (ROE) | 8.3458% | 2,915 |
| Retained earnings to average equity (ytd only) | 4.7053% | 3,151 |
| Net charge-offs to loans | 0.3730% | 1,087 |
| Credit loss provision to net charge-offs | 86.6521% | 2,234 |
| Earnings coverage of net charge-offs (x) | 5.4344% | 2,930 |
| Efficiency ratio | 65.4259% | 4,457 |
| Assets per employee ($millions) | 3.8123% | 4,231 |
| Cash dividends to net income (ytd only)* | 43.6205% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1137% | 4,844 |
| Loan loss allowance to noncurrent loans | 73.5782% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 1.0359% | 2,997 |
| Noncurrent loans to loans | 1.5136% | 2,305 |
| Net loans and leases to total assets | 66.0778% | 2,739 |
| Net loans and leases to deposits | 75.0842% | 3,182 |
| Net loans and leases to core deposits | 78.5853% | 3,370 |
| Total domestic deposits to total assets | 88.0050% | 1,896 |
| Equity capital to assets | 8.9958% | 5,305 |
| Core capital (leverage) ratio | 8.1675% | 5,963 |
| Tier 1 risk-based capital ratio | 11.4017% | 5,852 |
| Total risk-based capital ratio | 12.4542% | 5,896 |
| Memoranda: | ||
| Average total assets | $743,059,000 | 917 |
| Average earning assets | $669,046,330 | 924 |
| Average equity | $65,925,000 | 1,111 |
| Average total loans | $490,095,330 | 908 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4503% | 1,962 |
| Cost of funding earning assets | 0.5833% | 2,133 |
| Net interest margin | 3.8671% | 2,206 |
| Noninterest income to average assets | 0.4389% | 3,875 |
| Noninterest expense to average assets | 2.6909% | 3,960 |
| Loan and lease loss provision to assets | 0.1640% | 1,482 |
| Net operating income to assets | 0.7052% | 3,660 |
| Return on assets (ROA) | 0.7052% | 3,738 |
| Pretax return on assets | 1.0646% | 3,065 |
| Return on Equity (ROE) | 8.0052% | 2,926 |
| Retained earnings to average equity (ytd only) | 4.3190% | 3,537 |
| Net charge-offs to loans | 0.2222% | 1,433 |
| Credit loss provision to net charge-offs | 112.6394% | 1,520 |
| Earnings coverage of net charge-offs (x) | 8.4387% | 2,023 |
| Efficiency ratio | 67.6056% | 4,249 |
| Assets per employee ($millions) | 3.8585% | 4,217 |
| Cash dividends to net income (ytd only)* | 46.0476% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 4,716 |
| Loan loss allowance to noncurrent loans | 72.9431% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 1.1873% | 2,884 |
| Noncurrent loans to loans | 1.6228% | 2,401 |
| Net loans and leases to total assets | 63.0946% | 3,059 |
| Net loans and leases to deposits | 71.7037% | 3,376 |
| Net loans and leases to core deposits | 74.8821% | 3,544 |
| Total domestic deposits to total assets | 87.9935% | 2,240 |
| Equity capital to assets | 8.6577% | 5,488 |
| Core capital (leverage) ratio | 8.1219% | 6,019 |
| Tier 1 risk-based capital ratio | 11.0000% | 6,154 |
| Total risk-based capital ratio | 12.0598% | 6,199 |
| Memoranda: | ||
| Average total assets | $739,079,000 | 923 |
| Average earning assets | $665,207,000 | 934 |
| Average equity | $65,107,500 | 1,122 |
| Average total loans | $484,220,000 | 924 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4737% | 2,306 |
| Cost of funding earning assets | 0.6495% | 2,207 |
| Net interest margin | 3.8241% | 2,554 |
| Noninterest income to average assets | 0.4889% | 3,826 |
| Noninterest expense to average assets | 2.6310% | 4,352 |
| Loan and lease loss provision to assets | 0.1744% | 2,120 |
| Net operating income to assets | 0.7729% | 3,431 |
| Return on assets (ROA) | 0.7772% | 3,512 |
| Pretax return on assets | 1.1418% | 2,801 |
| Return on Equity (ROE) | 8.6830% | 2,708 |
| Retained earnings to average equity (ytd only) | 4.7525% | 2,769 |
| Net charge-offs to loans | 0.2202% | 2,702 |
| Credit loss provision to net charge-offs | 124.5264% | 1,912 |
| Earnings coverage of net charge-offs (x) | 9.3549% | 2,518 |
| Efficiency ratio | 65.6878% | 4,617 |
| Assets per employee ($millions) | 3.7204% | 4,433 |
| Cash dividends to net income (ytd only)* | 45.2668% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 4,747 |
| Loan loss allowance to noncurrent loans | 75.1744% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 1.2679% | 2,878 |
| Noncurrent loans to loans | 1.5726% | 2,539 |
| Net loans and leases to total assets | 66.4853% | 2,618 |
| Net loans and leases to deposits | 75.3373% | 3,052 |
| Net loans and leases to core deposits | 78.2283% | 3,330 |
| Total domestic deposits to total assets | 88.2502% | 2,028 |
| Equity capital to assets | 8.9697% | 5,071 |
| Core capital (leverage) ratio | 8.2073% | 5,966 |
| Tier 1 risk-based capital ratio | 11.0884% | 6,126 |
| Total risk-based capital ratio | 12.1645% | 6,159 |
| Memoranda: | ||
| Average total assets | $716,296,800 | 923 |
| Average earning assets | $646,602,800 | 937 |
| Average equity | $64,114,000 | 1,116 |
| Average total loans | $455,527,800 | 935 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3816% | 2,646 |
| Cost of funding earning assets | 0.6521% | 2,345 |
| Net interest margin | 3.7295% | 2,924 |
| Noninterest income to average assets | 0.4302% | 4,295 |
| Noninterest expense to average assets | 2.4401% | 4,907 |
| Loan and lease loss provision to assets | 0.1656% | 2,188 |
| Net operating income to assets | 0.8266% | 3,220 |
| Return on assets (ROA) | 0.8266% | 3,340 |
| Pretax return on assets | 1.1937% | 2,730 |
| Return on Equity (ROE) | 9.2397% | 2,519 |
| Retained earnings to average equity (ytd only) | 5.3048% | 2,873 |
| Net charge-offs to loans | 0.2693% | 2,204 |
| Credit loss provision to net charge-offs | 98.1236% | 2,433 |
| Earnings coverage of net charge-offs (x) | 8.0552% | 2,685 |
| Efficiency ratio | 63.1109% | 4,966 |
| Assets per employee ($millions) | 3.6762% | 4,495 |
| Cash dividends to net income (ytd only)* | 42.5868% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 4,925 |
| Loan loss allowance to noncurrent loans | 79.4864% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 1.2490% | 3,142 |
| Noncurrent loans to loans | 1.4929% | 2,924 |
| Net loans and leases to total assets | 63.6086% | 3,056 |
| Net loans and leases to deposits | 72.3178% | 3,474 |
| Net loans and leases to core deposits | 75.0268% | 3,729 |
| Total domestic deposits to total assets | 87.9570% | 2,158 |
| Equity capital to assets | 8.9664% | 5,226 |
| Core capital (leverage) ratio | 8.2217% | 6,040 |
| Tier 1 risk-based capital ratio | 11.3710% | 6,113 |
| Total risk-based capital ratio | 12.4340% | 6,166 |
| Memoranda: | ||
| Average total assets | $715,861,750 | 930 |
| Average earning assets | $646,682,000 | 944 |
| Average equity | $64,041,000 | 1,135 |
| Average total loans | $448,634,750 | 957 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3439% | 2,776 |
| Cost of funding earning assets | 0.6633% | 2,376 |
| Net interest margin | 3.6806% | 3,033 |
| Noninterest income to average assets | 0.4409% | 4,242 |
| Noninterest expense to average assets | 2.3687% | 5,145 |
| Loan and lease loss provision to assets | 0.2271% | 1,663 |
| Net operating income to assets | 0.8354% | 3,119 |
| Return on assets (ROA) | 0.8354% | 3,274 |
| Pretax return on assets | 1.1675% | 2,815 |
| Return on Equity (ROE) | 9.3457% | 2,474 |
| Retained earnings to average equity (ytd only) | 5.4126% | 2,800 |
| Net charge-offs to loans | 0.3379% | 1,837 |
| Credit loss provision to net charge-offs | 108.2447% | 2,051 |
| Earnings coverage of net charge-offs (x) | 6.6463% | 2,680 |
| Efficiency ratio | 61.8225% | 5,197 |
| Assets per employee ($millions) | 3.7391% | 4,323 |
| Cash dividends to net income (ytd only)* | 42.0842% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 4,669 |
| Loan loss allowance to noncurrent loans | 75.7435% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 1.4009% | 3,009 |
| Noncurrent loans to loans | 1.6697% | 2,809 |
| Net loans and leases to total assets | 60.4217% | 3,588 |
| Net loans and leases to deposits | 68.3917% | 3,953 |
| Net loans and leases to core deposits | 71.1432% | 4,154 |
| Total domestic deposits to total assets | 88.3465% | 2,014 |
| Equity capital to assets | 8.9125% | 5,310 |
| Core capital (leverage) ratio | 8.0380% | 6,158 |
| Tier 1 risk-based capital ratio | 11.5972% | 6,057 |
| Total risk-based capital ratio | 12.7143% | 6,093 |
| Memoranda: | ||
| Average total assets | $716,753,330 | 932 |
| Average earning assets | $647,021,330 | 936 |
| Average equity | $64,072,330 | 1,139 |
| Average total loans | $445,147,670 | 960 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3794% | 2,597 |
| Cost of funding earning assets | 0.6774% | 2,412 |
| Net interest margin | 3.7020% | 2,845 |
| Noninterest income to average assets | 0.4345% | 4,221 |
| Noninterest expense to average assets | 2.3998% | 5,120 |
| Loan and lease loss provision to assets | 0.3933% | 792 |
| Net operating income to assets | 0.7520% | 3,429 |
| Return on assets (ROA) | 0.7520% | 3,565 |
| Pretax return on assets | 0.9782% | 3,447 |
| Return on Equity (ROE) | 8.4003% | 2,771 |
| Retained earnings to average equity (ytd only) | 4.4802% | 3,545 |
| Net charge-offs to loans | 0.5102% | 1,180 |
| Credit loss provision to net charge-offs | 123.2112% | 1,574 |
| Earnings coverage of net charge-offs (x) | 4.2967% | 2,584 |
| Efficiency ratio | 62.5111% | 5,237 |
| Assets per employee ($millions) | 3.8571% | 4,238 |
| Cash dividends to net income (ytd only)* | 46.6667% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 4,920 |
| Loan loss allowance to noncurrent loans | 79.9258% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 1.3601% | 3,237 |
| Noncurrent loans to loans | 1.5697% | 3,180 |
| Net loans and leases to total assets | 60.4410% | 3,356 |
| Net loans and leases to deposits | 68.2791% | 3,745 |
| Net loans and leases to core deposits | 71.2209% | 3,930 |
| Total domestic deposits to total assets | 88.5206% | 1,991 |
| Equity capital to assets | 8.8424% | 5,674 |
| Core capital (leverage) ratio | 7.9002% | 6,216 |
| Tier 1 risk-based capital ratio | 11.1562% | 6,339 |
| Total risk-based capital ratio | 12.2662% | 6,374 |
| Memoranda: | ||
| Average total assets | $718,048,000 | 940 |
| Average earning assets | $647,214,500 | 942 |
| Average equity | $64,283,500 | 1,146 |
| Average total loans | $449,203,000 | 954 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6863% | 2,650 |
| Cost of funding earning assets | 0.7902% | 2,744 |
| Net interest margin | 3.8960% | 2,844 |
| Noninterest income to average assets | 0.3952% | 4,650 |
| Noninterest expense to average assets | 2.3045% | 5,682 |
| Loan and lease loss provision to assets | 0.3339% | 2,024 |
| Net operating income to assets | 0.8810% | 2,912 |
| Return on assets (ROA) | 0.8818% | 3,150 |
| Pretax return on assets | 1.3167% | 2,335 |
| Return on Equity (ROE) | 9.8668% | 2,226 |
| Retained earnings to average equity (ytd only) | 5.7237% | 2,238 |
| Net charge-offs to loans | 0.4424% | 2,464 |
| Credit loss provision to net charge-offs | 116.4350% | 2,476 |
| Earnings coverage of net charge-offs (x) | 5.7512% | 2,962 |
| Efficiency ratio | 57.1922% | 5,936 |
| Assets per employee ($millions) | 3.9066% | 4,140 |
| Cash dividends to net income (ytd only)* | 41.9897% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 5,076 |
| Loan loss allowance to noncurrent loans | 68.5696% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 1.5494% | 3,064 |
| Noncurrent loans to loans | 1.7625% | 2,971 |
| Net loans and leases to total assets | 63.1778% | 3,017 |
| Net loans and leases to deposits | 71.6829% | 3,461 |
| Net loans and leases to core deposits | 75.4307% | 3,608 |
| Total domestic deposits to total assets | 88.1351% | 2,140 |
| Equity capital to assets | 9.0661% | 5,447 |
| Core capital (leverage) ratio | 7.9574% | 6,235 |
| Tier 1 risk-based capital ratio | 11.0430% | 6,333 |
| Total risk-based capital ratio | 12.1304% | 6,367 |
| Memoranda: | ||
| Average total assets | $702,233,200 | 937 |
| Average earning assets | $641,446,600 | 939 |
| Average equity | $62,756,200 | 1,135 |
| Average total loans | $455,262,200 | 913 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7103% | 2,770 |
| Cost of funding earning assets | 0.8128% | 2,841 |
| Net interest margin | 3.8975% | 2,919 |
| Noninterest income to average assets | 0.3823% | 4,765 |
| Noninterest expense to average assets | 2.2681% | 5,778 |
| Loan and lease loss provision to assets | 0.4129% | 1,548 |
| Net operating income to assets | 0.8598% | 3,172 |
| Return on assets (ROA) | 0.8608% | 3,414 |
| Pretax return on assets | 1.2823% | 2,664 |
| Return on Equity (ROE) | 9.6678% | 2,512 |
| Retained earnings to average equity (ytd only) | 5.6093% | 2,956 |
| Net charge-offs to loans | 0.4561% | 2,275 |
| Credit loss provision to net charge-offs | 139.1667% | 2,074 |
| Earnings coverage of net charge-offs (x) | 5.7083% | 2,949 |
| Efficiency ratio | 56.1594% | 6,038 |
| Assets per employee ($millions) | 3.7680% | 4,381 |
| Cash dividends to net income (ytd only)* | 41.9796% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2780% | 4,910 |
| Loan loss allowance to noncurrent loans | 75.7416% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 1.4599% | 3,414 |
| Noncurrent loans to loans | 1.6874% | 3,263 |
| Net loans and leases to total assets | 62.9805% | 3,206 |
| Net loans and leases to deposits | 73.4936% | 3,367 |
| Net loans and leases to core deposits | 77.5423% | 3,526 |
| Total domestic deposits to total assets | 85.6953% | 3,419 |
| Equity capital to assets | 9.0386% | 5,791 |
| Core capital (leverage) ratio | 7.8479% | 6,440 |
| Tier 1 risk-based capital ratio | 10.8754% | 6,531 |
| Total risk-based capital ratio | 12.0228% | 6,553 |
| Memoranda: | ||
| Average total assets | $701,017,500 | 947 |
| Average earning assets | $643,822,000 | 940 |
| Average equity | $62,418,750 | 1,148 |
| Average total loans | $456,029,500 | 911 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7332% | 2,785 |
| Cost of funding earning assets | 0.8517% | 2,784 |
| Net interest margin | 3.8815% | 2,990 |
| Noninterest income to average assets | 0.3810% | 4,792 |
| Noninterest expense to average assets | 2.2675% | 5,823 |
| Loan and lease loss provision to assets | 0.2338% | 2,733 |
| Net operating income to assets | 0.9483% | 2,665 |
| Return on assets (ROA) | 0.9500% | 2,918 |
| Pretax return on assets | 1.4472% | 2,022 |
| Return on Equity (ROE) | 10.7233% | 2,088 |
| Retained earnings to average equity (ytd only) | 6.5295% | 2,370 |
| Net charge-offs to loans | -0.1471% | 6,938 |
| Credit loss provision to net charge-offs | -242.7300% | 6,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3700% | 6,078 |
| Assets per employee ($millions) | 3.7775% | 4,373 |
| Cash dividends to net income (ytd only)* | 39.1095% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 4,583 |
| Loan loss allowance to noncurrent loans | 79.5975% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.5306% | 3,404 |
| Noncurrent loans to loans | 1.7174% | 3,317 |
| Net loans and leases to total assets | 64.2357% | 2,982 |
| Net loans and leases to deposits | 74.1500% | 3,269 |
| Net loans and leases to core deposits | 78.6335% | 3,428 |
| Total domestic deposits to total assets | 86.6295% | 2,991 |
| Equity capital to assets | 8.9066% | 5,800 |
| Core capital (leverage) ratio | 7.6761% | 6,529 |
| Tier 1 risk-based capital ratio | 10.6589% | 6,635 |
| Total risk-based capital ratio | 11.9054% | 6,626 |
| Memoranda: | ||
| Average total assets | $699,816,330 | 948 |
| Average earning assets | $642,737,330 | 944 |
| Average equity | $61,995,670 | 1,149 |
| Average total loans | $458,199,670 | 898 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7560% | 2,825 |
| Cost of funding earning assets | 0.9087% | 2,622 |
| Net interest margin | 3.8472% | 3,147 |
| Noninterest income to average assets | 0.4629% | 4,204 |
| Noninterest expense to average assets | 2.2839% | 5,811 |
| Loan and lease loss provision to assets | 0.0879% | 4,272 |
| Net operating income to assets | 1.0778% | 2,178 |
| Return on assets (ROA) | 1.0808% | 2,347 |
| Pretax return on assets | 1.6332% | 1,475 |
| Return on Equity (ROE) | 12.2336% | 1,607 |
| Retained earnings to average equity (ytd only) | 7.6834% | 2,097 |
| Net charge-offs to loans | -0.3578% | 7,099 |
| Credit loss provision to net charge-offs | -37.4083% | 5,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0006% | 6,121 |
| Assets per employee ($millions) | 3.8409% | 4,340 |
| Cash dividends to net income (ytd only)* | 37.1945% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 5,172 |
| Loan loss allowance to noncurrent loans | 100.8677% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 1.1442% | 4,220 |
| Noncurrent loans to loans | 1.2568% | 4,233 |
| Net loans and leases to total assets | 62.4331% | 3,165 |
| Net loans and leases to deposits | 72.6681% | 3,330 |
| Net loans and leases to core deposits | 77.1966% | 3,439 |
| Total domestic deposits to total assets | 85.9154% | 3,580 |
| Equity capital to assets | 8.7424% | 5,819 |
| Core capital (leverage) ratio | 7.6328% | 6,546 |
| Tier 1 risk-based capital ratio | 10.4907% | 6,741 |
| Total risk-based capital ratio | 11.6211% | 6,770 |
| Memoranda: | ||
| Average total assets | $696,525,500 | 950 |
| Average earning assets | $640,460,000 | 943 |
| Average equity | $61,535,500 | 1,153 |
| Average total loans | $457,275,000 | 901 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0407% | 2,707 |
| Cost of funding earning assets | 1.1594% | 2,287 |
| Net interest margin | 3.8813% | 3,419 |
| Noninterest income to average assets | 0.4539% | 4,188 |
| Noninterest expense to average assets | 2.4349% | 5,685 |
| Loan and lease loss provision to assets | 0.3482% | 2,914 |
| Net operating income to assets | 0.7716% | 3,170 |
| Return on assets (ROA) | 0.7716% | 3,329 |
| Pretax return on assets | 1.1633% | 2,601 |
| Return on Equity (ROE) | 8.9375% | 2,479 |
| Retained earnings to average equity (ytd only) | 6.3832% | 1,812 |
| Net charge-offs to loans | 0.4369% | 3,254 |
| Credit loss provision to net charge-offs | 119.7869% | 2,665 |
| Earnings coverage of net charge-offs (x) | 5.1994% | 2,876 |
| Efficiency ratio | 60.0538% | 5,749 |
| Assets per employee ($millions) | 3.7916% | 4,339 |
| Cash dividends to net income (ytd only)* | 28.5796% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 5,799 |
| Loan loss allowance to noncurrent loans | 44.2853% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 2.0903% | 2,854 |
| Noncurrent loans to loans | 2.4919% | 2,632 |
| Net loans and leases to total assets | 67.4143% | 2,502 |
| Net loans and leases to deposits | 78.4042% | 2,774 |
| Net loans and leases to core deposits | 83.4920% | 2,957 |
| Total domestic deposits to total assets | 85.9831% | 3,333 |
| Equity capital to assets | 8.9307% | 5,636 |
| Core capital (leverage) ratio | 7.6076% | 6,598 |
| Tier 1 risk-based capital ratio | 10.1007% | 6,828 |
| Total risk-based capital ratio | 11.1061% | 6,883 |
| Memoranda: | ||
| Average total assets | $677,968,000 | 956 |
| Average earning assets | $610,077,800 | 966 |
| Average equity | $58,528,800 | 1,161 |
| Average total loans | $451,138,400 | 928 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9840% | 3,172 |
| Cost of funding earning assets | 1.2097% | 2,260 |
| Net interest margin | 3.7743% | 3,992 |
| Noninterest income to average assets | 0.4891% | 3,956 |
| Noninterest expense to average assets | 2.4888% | 5,505 |
| Loan and lease loss provision to assets | 0.3814% | 2,572 |
| Net operating income to assets | 0.6808% | 3,710 |
| Return on assets (ROA) | 0.6808% | 3,884 |
| Pretax return on assets | 1.0031% | 3,384 |
| Return on Equity (ROE) | 7.9551% | 3,055 |
| Retained earnings to average equity (ytd only) | 6.4014% | 2,295 |
| Net charge-offs to loans | 0.5519% | 2,581 |
| Credit loss provision to net charge-offs | 104.4792% | 3,187 |
| Earnings coverage of net charge-offs (x) | 3.7928% | 3,295 |
| Efficiency ratio | 62.5776% | 5,315 |
| Assets per employee ($millions) | 3.7857% | 4,337 |
| Cash dividends to net income (ytd only)* | 19.5313% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 5,988 |
| Loan loss allowance to noncurrent loans | 38.4560% | 5,722 |
| Noncurrent assets plus other real estate owned to assets | 2.1793% | 2,926 |
| Noncurrent loans to loans | 2.7855% | 2,501 |
| Net loans and leases to total assets | 65.4223% | 3,025 |
| Net loans and leases to deposits | 75.9502% | 3,337 |
| Net loans and leases to core deposits | 80.7617% | 3,520 |
| Total domestic deposits to total assets | 86.1384% | 3,145 |
| Equity capital to assets | 8.8389% | 5,936 |
| Core capital (leverage) ratio | 7.4810% | 6,774 |
| Tier 1 risk-based capital ratio | 10.1714% | 6,904 |
| Total risk-based capital ratio | 11.1433% | 6,970 |
| Memoranda: | ||
| Average total assets | $676,839,750 | 969 |
| Average earning assets | $606,856,250 | 973 |
| Average equity | $57,923,500 | 1,174 |
| Average total loans | $447,617,250 | 948 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9347% | 3,469 |
| Cost of funding earning assets | 1.2281% | 2,396 |
| Net interest margin | 3.7066% | 4,230 |
| Noninterest income to average assets | 0.4735% | 4,075 |
| Noninterest expense to average assets | 2.2172% | 6,341 |
| Loan and lease loss provision to assets | 0.3997% | 2,420 |
| Net operating income to assets | 0.8205% | 2,979 |
| Return on assets (ROA) | 0.8205% | 3,097 |
| Pretax return on assets | 1.2687% | 2,244 |
| Return on Equity (ROE) | 10.8377% | 1,850 |
| Retained earnings to average equity (ytd only) | 8.5740% | 1,242 |
| Net charge-offs to loans | 0.0073% | 5,764 |
| Credit loss provision to net charge-offs | 7,580.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 316.4000% | 107 |
| Efficiency ratio | 54.9600% | 6,512 |
| Assets per employee ($millions) | 4.1106% | 3,533 |
| Cash dividends to net income (ytd only)* | 20.8869% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 5,195 |
| Loan loss allowance to noncurrent loans | 42.2161% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 2.1511% | 3,046 |
| Noncurrent loans to loans | 3.0092% | 2,413 |
| Net loans and leases to total assets | 70.5767% | 2,097 |
| Net loans and leases to deposits | 81.4359% | 2,532 |
| Net loans and leases to core deposits | 88.5197% | 2,561 |
| Total domestic deposits to total assets | 86.6653% | 2,949 |
| Equity capital to assets | 7.6419% | 6,884 |
| Core capital (leverage) ratio | 7.0199% | 6,990 |
| Tier 1 risk-based capital ratio | 9.3905% | 7,122 |
| Total risk-based capital ratio | 10.6071% | 7,130 |
| Memoranda: | ||
| Average total assets | $379,299,000 | 1,729 |
| Average earning assets | $349,160,670 | 1,716 |
| Average equity | $28,714,670 | 2,265 |
| Average total loans | $274,464,330 | 1,579 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8915% | 3,633 |
| Cost of funding earning assets | 1.2603% | 2,429 |
| Net interest margin | 3.6312% | 4,421 |
| Noninterest income to average assets | 0.4695% | 4,119 |
| Noninterest expense to average assets | 2.3271% | 6,122 |
| Loan and lease loss provision to assets | 0.5610% | 1,538 |
| Net operating income to assets | 0.6036% | 4,015 |
| Return on assets (ROA) | 0.6036% | 4,080 |
| Pretax return on assets | 0.9155% | 3,442 |
| Return on Equity (ROE) | 8.0119% | 2,908 |
| Retained earnings to average equity (ytd only) | 8.0119% | 1,728 |
| Net charge-offs to loans | -0.0044% | 6,228 |
| Credit loss provision to net charge-offs | -17,566.6667% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0260% | 6,127 |
| Assets per employee ($millions) | 4.1612% | 3,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2142% | 5,561 |
| Loan loss allowance to noncurrent loans | 32.6747% | 6,123 |
| Noncurrent assets plus other real estate owned to assets | 2.5749% | 2,657 |
| Noncurrent loans to loans | 3.7160% | 1,984 |
| Net loans and leases to total assets | 68.4525% | 2,464 |
| Net loans and leases to deposits | 78.4658% | 2,985 |
| Net loans and leases to core deposits | 85.1509% | 3,010 |
| Total domestic deposits to total assets | 87.2386% | 2,804 |
| Equity capital to assets | 7.3188% | 6,962 |
| Core capital (leverage) ratio | 7.0308% | 6,993 |
| Tier 1 risk-based capital ratio | 9.1828% | 7,201 |
| Total risk-based capital ratio | 10.3300% | 7,222 |
| Memoranda: | ||
| Average total assets | $375,749,500 | 1,747 |
| Average earning assets | $345,009,500 | 1,744 |
| Average equity | $28,308,000 | 2,283 |
| Average total loans | $273,588,500 | 1,604 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0739% | 4,214 |
| Cost of funding earning assets | 1.4801% | 2,761 |
| Net interest margin | 3.5937% | 4,849 |
| Noninterest income to average assets | 0.5498% | 3,827 |
| Noninterest expense to average assets | 2.5817% | 5,492 |
| Loan and lease loss provision to assets | 1.0409% | 1,551 |
| Net operating income to assets | 0.1850% | 5,322 |
| Return on assets (ROA) | 0.2021% | 5,432 |
| Pretax return on assets | 0.2045% | 5,484 |
| Return on Equity (ROE) | 2.5218% | 5,171 |
| Retained earnings to average equity (ytd only) | 1.7656% | 4,620 |
| Net charge-offs to loans | 1.1019% | 2,022 |
| Credit loss provision to net charge-offs | 131.6475% | 2,998 |
| Earnings coverage of net charge-offs (x) | 1.5533% | 4,578 |
| Efficiency ratio | 65.2990% | 5,111 |
| Assets per employee ($millions) | 3.8334% | 4,167 |
| Cash dividends to net income (ytd only)* | 29.9850% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 6,390 |
| Loan loss allowance to noncurrent loans | 29.7522% | 6,307 |
| Noncurrent assets plus other real estate owned to assets | 2.5753% | 2,706 |
| Noncurrent loans to loans | 3.3607% | 2,262 |
| Net loans and leases to total assets | 75.8636% | 1,299 |
| Net loans and leases to deposits | 86.0585% | 2,085 |
| Net loans and leases to core deposits | 93.9093% | 2,268 |
| Total domestic deposits to total assets | 88.1535% | 2,147 |
| Equity capital to assets | 7.7670% | 6,696 |
| Core capital (leverage) ratio | 7.0894% | 6,983 |
| Tier 1 risk-based capital ratio | 8.7742% | 7,282 |
| Total risk-based capital ratio | 9.7168% | 7,314 |
| Memoranda: | ||
| Average total assets | $330,091,800 | 1,973 |
| Average earning assets | $299,437,200 | 1,983 |
| Average equity | $26,449,600 | 2,423 |
| Average total loans | $236,863,800 | 1,846 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9213% | 5,166 |
| Cost of funding earning assets | 1.5042% | 2,953 |
| Net interest margin | 3.4171% | 5,613 |
| Noninterest income to average assets | 0.5498% | 3,788 |
| Noninterest expense to average assets | 2.8131% | 4,429 |
| Loan and lease loss provision to assets | 0.8152% | 1,854 |
| Net operating income to assets | 0.0666% | 5,846 |
| Return on assets (ROA) | 0.0889% | 5,940 |
| Pretax return on assets | 0.0306% | 6,043 |
| Return on Equity (ROE) | 1.0998% | 5,870 |
| Retained earnings to average equity (ytd only) | 0.0767% | 5,748 |
| Net charge-offs to loans | 0.1245% | 5,310 |
| Credit loss provision to net charge-offs | 930.1887% | 310 |
| Earnings coverage of net charge-offs (x) | 9.3962% | 2,028 |
| Efficiency ratio | 74.7073% | 3,195 |
| Assets per employee ($millions) | 3.7075% | 4,491 |
| Cash dividends to net income (ytd only)* | 93.0231% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5351% | 3,804 |
| Loan loss allowance to noncurrent loans | 30.5034% | 6,306 |
| Noncurrent assets plus other real estate owned to assets | 3.6367% | 1,958 |
| Noncurrent loans to loans | 5.0326% | 1,365 |
| Net loans and leases to total assets | 71.1536% | 2,451 |
| Net loans and leases to deposits | 82.1580% | 3,076 |
| Net loans and leases to core deposits | 91.1658% | 2,927 |
| Total domestic deposits to total assets | 86.6058% | 2,753 |
| Equity capital to assets | 7.6981% | 6,998 |
| Core capital (leverage) ratio | 7.0543% | 7,137 |
| Tier 1 risk-based capital ratio | 8.8757% | 7,384 |
| Total risk-based capital ratio | 10.1313% | 7,398 |
| Memoranda: | ||
| Average total assets | $322,529,000 | 2,044 |
| Average earning assets | $291,350,500 | 2,067 |
| Average equity | $26,065,000 | 2,491 |
| Average total loans | $227,047,250 | 1,943 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1136% | 4,384 |
| Cost of funding earning assets | 1.5225% | 3,116 |
| Net interest margin | 3.5911% | 4,857 |
| Noninterest income to average assets | 0.5505% | 3,709 |
| Noninterest expense to average assets | 2.8426% | 4,300 |
| Loan and lease loss provision to assets | 0.1517% | 5,385 |
| Net operating income to assets | 0.5489% | 4,098 |
| Return on assets (ROA) | 0.5722% | 4,129 |
| Pretax return on assets | 0.8245% | 3,798 |
| Return on Equity (ROE) | 6.9584% | 3,320 |
| Retained earnings to average equity (ytd only) | 5.4086% | 2,672 |
| Net charge-offs to loans | 0.1115% | 5,043 |
| Credit loss provision to net charge-offs | 195.0820% | 2,025 |
| Earnings coverage of net charge-offs (x) | 12.1230% | 1,702 |
| Efficiency ratio | 72.4916% | 3,740 |
| Assets per employee ($millions) | 3.4906% | 4,950 |
| Cash dividends to net income (ytd only)* | 22.2717% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 6,829 |
| Loan loss allowance to noncurrent loans | 32.1373% | 6,221 |
| Noncurrent assets plus other real estate owned to assets | 1.9450% | 3,558 |
| Noncurrent loans to loans | 2.7315% | 2,918 |
| Net loans and leases to total assets | 70.5824% | 2,776 |
| Net loans and leases to deposits | 80.4373% | 3,527 |
| Net loans and leases to core deposits | 87.7962% | 3,573 |
| Total domestic deposits to total assets | 87.7484% | 2,137 |
| Equity capital to assets | 8.0166% | 6,744 |
| Core capital (leverage) ratio | 7.4382% | 6,885 |
| Tier 1 risk-based capital ratio | 9.2111% | 7,371 |
| Total risk-based capital ratio | 10.0125% | 7,468 |
| Memoranda: | ||
| Average total assets | $313,871,670 | 2,124 |
| Average earning assets | $282,697,330 | 2,140 |
| Average equity | $25,810,670 | 2,503 |
| Average total loans | $218,784,000 | 2,036 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0702% | 4,674 |
| Cost of funding earning assets | 1.5536% | 3,245 |
| Net interest margin | 3.5166% | 5,098 |
| Noninterest income to average assets | 0.5112% | 3,962 |
| Noninterest expense to average assets | 2.6432% | 5,170 |
| Loan and lease loss provision to assets | 0.3469% | 3,302 |
| Net operating income to assets | 0.4943% | 4,419 |
| Return on assets (ROA) | 0.5425% | 4,306 |
| Pretax return on assets | 0.7589% | 4,029 |
| Return on Equity (ROE) | 6.5092% | 3,615 |
| Retained earnings to average equity (ytd only) | 3.3798% | 4,129 |
| Net charge-offs to loans | -0.0132% | 6,961 |
| Credit loss provision to net charge-offs | -3,800.0000% | 6,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0755% | 4,493 |
| Assets per employee ($millions) | 3.3273% | 5,484 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9126% | 6,809 |
| Loan loss allowance to noncurrent loans | 38.6698% | 5,780 |
| Noncurrent assets plus other real estate owned to assets | 1.6297% | 4,043 |
| Noncurrent loans to loans | 2.3601% | 3,315 |
| Net loans and leases to total assets | 68.4214% | 3,292 |
| Net loans and leases to deposits | 78.1306% | 4,017 |
| Net loans and leases to core deposits | 82.1569% | 4,468 |
| Total domestic deposits to total assets | 87.5731% | 2,319 |
| Equity capital to assets | 8.2272% | 6,394 |
| Core capital (leverage) ratio | 7.6161% | 6,720 |
| Tier 1 risk-based capital ratio | 9.4333% | 7,337 |
| Total risk-based capital ratio | 10.2411% | 7,491 |
| Memoranda: | ||
| Average total assets | $306,747,500 | 2,212 |
| Average earning assets | $276,516,500 | 2,232 |
| Average equity | $25,564,000 | 2,557 |
| Average total loans | $211,353,000 | 2,166 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3673% | 4,850 |
| Cost of funding earning assets | 2.0443% | 2,747 |
| Net interest margin | 3.3230% | 5,651 |
| Noninterest income to average assets | 0.7008% | 2,973 |
| Noninterest expense to average assets | 2.5278% | 6,036 |
| Loan and lease loss provision to assets | 0.5626% | 3,561 |
| Net operating income to assets | 0.5009% | 3,724 |
| Return on assets (ROA) | 0.5964% | 3,425 |
| Pretax return on assets | 0.7872% | 3,289 |
| Return on Equity (ROE) | 6.8119% | 2,865 |
| Retained earnings to average equity (ytd only) | 1.4676% | 4,040 |
| Net charge-offs to loans | 0.4452% | 4,011 |
| Credit loss provision to net charge-offs | 190.3776% | 2,099 |
| Earnings coverage of net charge-offs (x) | 4.1425% | 3,038 |
| Efficiency ratio | 64.6105% | 5,658 |
| Assets per employee ($millions) | 3.2336% | 5,643 |
| Cash dividends to net income (ytd only)* | 78.4550% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9360% | 6,685 |
| Loan loss allowance to noncurrent loans | 92.8503% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.6930% | 5,721 |
| Noncurrent loans to loans | 1.0080% | 5,299 |
| Net loans and leases to total assets | 68.1015% | 3,683 |
| Net loans and leases to deposits | 77.9906% | 4,375 |
| Net loans and leases to core deposits | 99.0128% | 4,110 |
| Total domestic deposits to total assets | 87.3201% | 2,311 |
| Equity capital to assets | 8.4448% | 5,982 |
| Core capital (leverage) ratio | 7.6194% | 6,657 |
| Tier 1 risk-based capital ratio | 9.6369% | 7,131 |
| Total risk-based capital ratio | 10.4642% | 7,368 |
| Memoranda: | ||
| Average total assets | $277,831,400 | 2,362 |
| Average earning assets | $255,099,000 | 2,365 |
| Average equity | $24,325,000 | 2,681 |
| Average total loans | $184,392,800 | 2,466 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3013% | 5,415 |
| Cost of funding earning assets | 2.1531% | 2,630 |
| Net interest margin | 3.1481% | 6,185 |
| Noninterest income to average assets | 0.6894% | 3,093 |
| Noninterest expense to average assets | 2.6278% | 5,608 |
| Loan and lease loss provision to assets | 0.3146% | 4,459 |
| Net operating income to assets | 0.4896% | 4,027 |
| Return on assets (ROA) | 0.6105% | 3,622 |
| Pretax return on assets | 0.8119% | 3,503 |
| Return on Equity (ROE) | 6.9056% | 3,117 |
| Retained earnings to average equity (ytd only) | 3.7188% | 3,207 |
| Net charge-offs to loans | 0.4288% | 3,541 |
| Credit loss provision to net charge-offs | 111.6522% | 4,550 |
| Earnings coverage of net charge-offs (x) | 3.4261% | 3,539 |
| Efficiency ratio | 70.2577% | 4,538 |
| Assets per employee ($millions) | 3.2923% | 5,422 |
| Cash dividends to net income (ytd only)* | 46.1479% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7230% | 7,315 |
| Loan loss allowance to noncurrent loans | 48.4296% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 1.0105% | 5,057 |
| Noncurrent loans to loans | 1.4928% | 4,426 |
| Net loans and leases to total assets | 67.2028% | 4,134 |
| Net loans and leases to deposits | 77.9704% | 4,741 |
| Net loans and leases to core deposits | 96.2213% | 4,787 |
| Total domestic deposits to total assets | 86.1902% | 2,595 |
| Equity capital to assets | 8.7500% | 5,879 |
| Core capital (leverage) ratio | 8.0244% | 6,316 |
| Tier 1 risk-based capital ratio | 9.6593% | 7,270 |
| Total risk-based capital ratio | 10.2675% | 7,627 |
| Memoranda: | ||
| Average total assets | $272,107,000 | 2,409 |
| Average earning assets | $250,978,250 | 2,415 |
| Average equity | $24,057,250 | 2,746 |
| Average total loans | $178,807,000 | 2,557 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2504% | 5,868 |
| Cost of funding earning assets | 2.2853% | 2,415 |
| Net interest margin | 2.9651% | 6,644 |
| Noninterest income to average assets | 0.7219% | 2,855 |
| Noninterest expense to average assets | 2.4448% | 6,318 |
| Loan and lease loss provision to assets | 0.2987% | 4,174 |
| Net operating income to assets | 0.5443% | 3,909 |
| Return on assets (ROA) | 0.7151% | 3,293 |
| Pretax return on assets | 0.9406% | 3,209 |
| Return on Equity (ROE) | 8.0578% | 2,748 |
| Retained earnings to average equity (ytd only) | 3.5954% | 3,299 |
| Net charge-offs to loans | 0.6849% | 2,333 |
| Credit loss provision to net charge-offs | 67.1186% | 5,473 |
| Earnings coverage of net charge-offs (x) | 2.2797% | 3,928 |
| Efficiency ratio | 67.7715% | 5,193 |
| Assets per employee ($millions) | 3.2674% | 5,408 |
| Cash dividends to net income (ytd only)* | 55.3797% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5632% | 7,707 |
| Loan loss allowance to noncurrent loans | 38.9869% | 5,804 |
| Noncurrent assets plus other real estate owned to assets | 0.9164% | 5,142 |
| Noncurrent loans to loans | 1.4445% | 4,331 |
| Net loans and leases to total assets | 63.0871% | 5,169 |
| Net loans and leases to deposits | 72.7650% | 5,636 |
| Net loans and leases to core deposits | 86.7537% | 5,831 |
| Total domestic deposits to total assets | 86.6998% | 2,406 |
| Equity capital to assets | 8.4780% | 6,082 |
| Core capital (leverage) ratio | 7.8692% | 6,531 |
| Tier 1 risk-based capital ratio | 9.8952% | 7,047 |
| Total risk-based capital ratio | 10.3546% | 7,644 |
| Memoranda: | ||
| Average total assets | $265,137,330 | 2,488 |
| Average earning assets | $244,782,670 | 2,477 |
| Average equity | $23,530,000 | 2,808 |
| Average total loans | $172,293,000 | 2,659 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0009% | 6,929 |
| Cost of funding earning assets | 2.2971% | 2,713 |
| Net interest margin | 2.7038% | 7,199 |
| Noninterest income to average assets | 0.7689% | 2,489 |
| Noninterest expense to average assets | 2.1070% | 7,101 |
| Loan and lease loss provision to assets | 0.2283% | 4,164 |
| Net operating income to assets | 0.6506% | 3,799 |
| Return on assets (ROA) | 0.9813% | 2,523 |
| Pretax return on assets | 1.3935% | 1,985 |
| Return on Equity (ROE) | 10.7802% | 2,033 |
| Retained earnings to average equity (ytd only) | 10.7802% | 1,012 |
| Net charge-offs to loans | -0.0072% | 7,231 |
| Credit loss provision to net charge-offs | -4,800.0000% | 6,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0477% | 5,863 |
| Assets per employee ($millions) | 3.1602% | 5,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7679% | 7,256 |
| Loan loss allowance to noncurrent loans | 48.7413% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 0.9427% | 4,832 |
| Noncurrent loans to loans | 1.5755% | 3,917 |
| Net loans and leases to total assets | 59.3783% | 5,760 |
| Net loans and leases to deposits | 68.2107% | 6,164 |
| Net loans and leases to core deposits | 80.8516% | 6,320 |
| Total domestic deposits to total assets | 87.0513% | 2,190 |
| Equity capital to assets | 8.2452% | 6,472 |
| Core capital (leverage) ratio | 9.6837% | 3,777 |
| Tier 1 risk-based capital ratio | 10.2143% | 6,702 |
| Total risk-based capital ratio | 10.8429% | 7,280 |
| Memoranda: | ||
| Average total assets | $252,305,500 | 2,620 |
| Average earning assets | $232,118,000 | 2,618 |
| Average equity | $22,968,000 | 2,881 |
| Average total loans | $166,191,000 | 2,750 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2018% | 4,508 |
| Cost of funding earning assets | 2.1610% | 5,775 |
| Net interest margin | 4.0408% | 2,939 |
| Noninterest income to average assets | 0.8710% | 2,103 |
| Noninterest expense to average assets | 2.4667% | 6,143 |
| Loan and lease loss provision to assets | 0.2263% | 4,625 |
| Net operating income to assets | 1.2431% | 1,646 |
| Return on assets (ROA) | 1.2453% | 1,582 |
| Pretax return on assets | 1.8416% | 862 |
| Return on Equity (ROE) | 11.0762% | 1,881 |
| Retained earnings to average equity (ytd only) | 3.3098% | 3,089 |
| Net charge-offs to loans | 0.0843% | 5,558 |
| Credit loss provision to net charge-offs | 368.1416% | 1,199 |
| Earnings coverage of net charge-offs (x) | 33.5841% | 1,079 |
| Efficiency ratio | 52.7915% | 7,404 |
| Assets per employee ($millions) | 3.0959% | 5,774 |
| Cash dividends to net income (ytd only)* | 70.1180% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8267% | 7,000 |
| Loan loss allowance to noncurrent loans | 80.8166% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 0.7668% | 4,927 |
| Noncurrent loans to loans | 1.0229% | 4,541 |
| Net loans and leases to total assets | 74.3416% | 3,024 |
| Net loans and leases to deposits | 89.1438% | 3,613 |
| Net loans and leases to core deposits | 100.2721% | 4,803 |
| Total domestic deposits to total assets | 83.3951% | 3,617 |
| Equity capital to assets | 10.3967% | 3,613 |
| Core capital (leverage) ratio | 10.5988% | 2,907 |
| Tier 1 risk-based capital ratio | 11.3592% | 5,375 |
| Total risk-based capital ratio | 12.0597% | 5,807 |
| Memoranda: | ||
| Average total assets | $183,804,800 | 3,358 |
| Average earning assets | $166,499,800 | 3,376 |
| Average equity | $20,666,000 | 3,138 |
| Average total loans | $134,081,200 | 3,193 |