Home > D. L. Evans Bank > Performance and Condition Ratios
D. L. Evans Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4945% | 3,109 |
| Cost of funding earning assets | 1.2118% | 2,769 |
| Net interest margin | 3.2827% | 2,675 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.1163% | 3,370 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0920% | 1,943 |
| Return on assets (ROA) | 1.0920% | 1,914 |
| Pretax return on assets | 1.3980% | 1,638 |
| Return on Equity (ROE) | 14.9200% | 1,303 |
| Retained earnings to average equity (ytd only) | 12.9338% | 514 |
| Net charge-offs to loans | 0.0060% | 2,478 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 502.7326% | 291 |
| Efficiency ratio | 60.2195% | 3,056 |
| Assets per employee ($millions) | 7.2530% | 1,902 |
| Cash dividends to net income (ytd only)* | 13.3246% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 1,144 |
| Loan loss allowance to noncurrent loans | 528.3069% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.1306% | 2,661 |
| Noncurrent loans to loans | 0.2782% | 2,181 |
| Net loans and leases to total assets | 46.2500% | 3,805 |
| Net loans and leases to deposits | 56.2517% | 3,698 |
| Net loans and leases to core deposits | 60.5246% | 3,746 |
| Total domestic deposits to total assets | 82.2200% | 3,085 |
| Equity capital to assets | 7.9186% | 3,465 |
| Core capital (leverage) ratio | 9.6617% | 3,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $3,092,650,400 | 386 |
| Average earning assets | $2,882,901,200 | 374 |
| Average equity | $226,321,200 | 484 |
| Average total loans | $1,441,833,000 | 528 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4062% | 3,087 |
| Cost of funding earning assets | 1.0945% | 2,758 |
| Net interest margin | 3.3117% | 2,653 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.1538% | 3,205 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0763% | 2,128 |
| Return on assets (ROA) | 1.0763% | 2,116 |
| Pretax return on assets | 1.3822% | 1,818 |
| Return on Equity (ROE) | 15.0300% | 1,437 |
| Retained earnings to average equity (ytd only) | 12.2980% | 925 |
| Net charge-offs to loans | 0.0079% | 2,119 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 374.3882% | 382 |
| Efficiency ratio | 60.9107% | 2,855 |
| Assets per employee ($millions) | 7.0902% | 1,886 |
| Cash dividends to net income (ytd only)* | 18.1598% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4862% | 1,143 |
| Loan loss allowance to noncurrent loans | 514.3292% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.1382% | 2,645 |
| Noncurrent loans to loans | 0.2890% | 2,202 |
| Net loans and leases to total assets | 47.1000% | 3,783 |
| Net loans and leases to deposits | 56.3913% | 3,692 |
| Net loans and leases to core deposits | 60.1931% | 3,695 |
| Total domestic deposits to total assets | 83.5300% | 2,898 |
| Equity capital to assets | 7.0998% | 3,567 |
| Core capital (leverage) ratio | 9.5404% | 3,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $3,069,792,500 | 393 |
| Average earning assets | $2,861,755,500 | 377 |
| Average equity | $219,868,000 | 496 |
| Average total loans | $1,428,632,500 | 535 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2710% | 3,153 |
| Cost of funding earning assets | 0.9380% | 2,809 |
| Net interest margin | 3.3330% | 2,679 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.0976% | 3,353 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1463% | 1,977 |
| Return on assets (ROA) | 1.1463% | 1,976 |
| Pretax return on assets | 1.4591% | 1,681 |
| Return on Equity (ROE) | 15.9600% | 1,273 |
| Retained earnings to average equity (ytd only) | 12.9574% | 811 |
| Net charge-offs to loans | 0.0129% | 1,710 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 245.5385% | 513 |
| Efficiency ratio | 58.9747% | 3,077 |
| Assets per employee ($millions) | 7.0600% | 1,881 |
| Cash dividends to net income (ytd only)* | 18.8002% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5239% | 1,109 |
| Loan loss allowance to noncurrent loans | 410.8700% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 2,303 |
| Noncurrent loans to loans | 0.3709% | 1,813 |
| Net loans and leases to total assets | 46.2100% | 3,788 |
| Net loans and leases to deposits | 55.7946% | 3,659 |
| Net loans and leases to core deposits | 59.3782% | 3,664 |
| Total domestic deposits to total assets | 82.8200% | 3,086 |
| Equity capital to assets | 7.3568% | 3,604 |
| Core capital (leverage) ratio | 9.4923% | 3,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $3,062,619,333 | 382 |
| Average earning assets | $2,854,608,667 | 369 |
| Average equity | $219,998,667 | 486 |
| Average total loans | $1,412,141,333 | 528 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1712% | 3,103 |
| Cost of funding earning assets | 0.7151% | 3,010 |
| Net interest margin | 3.4560% | 2,479 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.0921% | 3,400 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2375% | 1,826 |
| Return on assets (ROA) | 1.2375% | 1,800 |
| Pretax return on assets | 1.5730% | 1,524 |
| Return on Equity (ROE) | 17.4400% | 1,107 |
| Retained earnings to average equity (ytd only) | 11.3569% | 1,386 |
| Net charge-offs to loans | 0.0060% | 1,736 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 572.7143% | 200 |
| Efficiency ratio | 57.0817% | 3,293 |
| Assets per employee ($millions) | 6.9592% | 2,006 |
| Cash dividends to net income (ytd only)* | 34.8763% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5771% | 1,055 |
| Loan loss allowance to noncurrent loans | 697.8461% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 2,731 |
| Noncurrent loans to loans | 0.2260% | 2,362 |
| Net loans and leases to total assets | 44.7000% | 3,836 |
| Net loans and leases to deposits | 53.6090% | 3,708 |
| Net loans and leases to core deposits | 56.2967% | 3,725 |
| Total domestic deposits to total assets | 83.3800% | 3,226 |
| Equity capital to assets | 7.3523% | 3,646 |
| Core capital (leverage) ratio | 9.3533% | 3,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $3,058,385,000 | 395 |
| Average earning assets | $2,852,631,500 | 381 |
| Average equity | $217,031,000 | 502 |
| Average total loans | $1,397,668,000 | 545 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6838% | 2,572 |
| Cost of funding earning assets | 0.2106% | 3,670 |
| Net interest margin | 3.4732% | 2,016 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.1513% | 3,153 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2488% | 1,606 |
| Return on assets (ROA) | 1.2488% | 1,552 |
| Pretax return on assets | 1.6103% | 1,146 |
| Return on Equity (ROE) | 17.5200% | 781 |
| Retained earnings to average equity (ytd only) | 15.6980% | 239 |
| Net charge-offs to loans | -0.0044% | 3,608 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.0850% | 3,460 |
| Assets per employee ($millions) | 6.9109% | 2,036 |
| Cash dividends to net income (ytd only)* | 10.3740% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5369% | 1,101 |
| Loan loss allowance to noncurrent loans | 626.4063% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.1237% | 2,662 |
| Noncurrent loans to loans | 0.2454% | 2,297 |
| Net loans and leases to total assets | 45.2800% | 3,835 |
| Net loans and leases to deposits | 51.8932% | 3,808 |
| Net loans and leases to core deposits | 53.5561% | 3,829 |
| Total domestic deposits to total assets | 87.2600% | 2,303 |
| Equity capital to assets | 6.8373% | 3,752 |
| Core capital (leverage) ratio | 9.0204% | 3,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $3,010,409,800 | 391 |
| Average earning assets | $2,819,637,000 | 380 |
| Average equity | $214,638,800 | 498 |
| Average total loans | $1,339,801,200 | 528 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5302% | 2,523 |
| Cost of funding earning assets | 0.1668% | 3,660 |
| Net interest margin | 3.3634% | 2,092 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.1795% | 2,983 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1496% | 1,893 |
| Return on assets (ROA) | 1.1496% | 1,865 |
| Pretax return on assets | 1.4876% | 1,449 |
| Return on Equity (ROE) | 15.9600% | 988 |
| Retained earnings to average equity (ytd only) | 13.8617% | 482 |
| Net charge-offs to loans | -0.0093% | 3,678 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.3251% | 3,205 |
| Assets per employee ($millions) | 6.9306% | 1,999 |
| Cash dividends to net income (ytd only)* | 13.1325% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 1,167 |
| Loan loss allowance to noncurrent loans | 643.8528% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 2,753 |
| Noncurrent loans to loans | 0.2409% | 2,419 |
| Net loans and leases to total assets | 44.6900% | 3,836 |
| Net loans and leases to deposits | 50.2573% | 3,838 |
| Net loans and leases to core deposits | 51.6239% | 3,874 |
| Total domestic deposits to total assets | 88.9200% | 2,123 |
| Equity capital to assets | 6.3216% | 3,832 |
| Core capital (leverage) ratio | 8.6146% | 3,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6664% | 1,242 |
| Memoranda: | ||
| Average total assets | $3,002,809,750 | 392 |
| Average earning assets | $2,817,246,750 | 384 |
| Average equity | $216,321,500 | 496 |
| Average total loans | $1,325,155,000 | 525 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4007% | 2,431 |
| Cost of funding earning assets | 0.1517% | 3,551 |
| Net interest margin | 3.2490% | 2,056 |
| Noninterest income to average assets | 0.5372% | 2,007 |
| Noninterest expense to average assets | 2.1194% | 3,096 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1375% | 1,640 |
| Return on assets (ROA) | 1.1375% | 1,619 |
| Pretax return on assets | 1.4716% | 1,247 |
| Return on Equity (ROE) | 15.1564% | 862 |
| Retained earnings to average equity (ytd only) | 12.4781% | 535 |
| Net charge-offs to loans | -0.0120% | 3,649 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9074% | 3,445 |
| Assets per employee ($millions) | 6.7957% | 2,076 |
| Cash dividends to net income (ytd only)* | 17.6710% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5771% | 1,207 |
| Loan loss allowance to noncurrent loans | 698.6359% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 2,880 |
| Noncurrent loans to loans | 0.2257% | 2,591 |
| Net loans and leases to total assets | 44.5913% | 3,790 |
| Net loans and leases to deposits | 50.6734% | 3,774 |
| Net loans and leases to core deposits | 52.3442% | 3,800 |
| Total domestic deposits to total assets | 87.9974% | 2,580 |
| Equity capital to assets | 6.8142% | 3,861 |
| Core capital (leverage) ratio | 8.4698% | 3,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4694% | 1,307 |
| Memoranda: | ||
| Average total assets | $2,984,955,000 | 388 |
| Average earning assets | $2,805,731,000 | 382 |
| Average equity | $224,024,333 | 482 |
| Average total loans | $1,304,397,333 | 524 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3661% | 2,190 |
| Cost of funding earning assets | 0.1486% | 3,522 |
| Net interest margin | 3.2175% | 1,825 |
| Noninterest income to average assets | 0.5425% | 1,939 |
| Noninterest expense to average assets | 2.0711% | 3,249 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1643% | 1,345 |
| Return on assets (ROA) | 1.1643% | 1,340 |
| Pretax return on assets | 1.5039% | 1,009 |
| Return on Equity (ROE) | 14.8219% | 683 |
| Retained earnings to average equity (ytd only) | 11.3952% | 709 |
| Net charge-offs to loans | -0.0260% | 4,026 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8189% | 3,701 |
| Assets per employee ($millions) | 6.8066% | 2,138 |
| Cash dividends to net income (ytd only)* | 23.1187% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7003% | 1,055 |
| Loan loss allowance to noncurrent loans | 656.5761% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 2,938 |
| Noncurrent loans to loans | 0.2590% | 2,550 |
| Net loans and leases to total assets | 41.3468% | 3,932 |
| Net loans and leases to deposits | 47.1469% | 3,921 |
| Net loans and leases to core deposits | 48.6710% | 3,949 |
| Total domestic deposits to total assets | 87.6980% | 2,665 |
| Equity capital to assets | 7.3376% | 4,026 |
| Core capital (leverage) ratio | 8.5007% | 3,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,972,190,000 | 392 |
| Average earning assets | $2,801,309,000 | 385 |
| Average equity | $233,466,000 | 478 |
| Average total loans | $1,274,633,500 | 532 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6042% | 2,380 |
| Cost of funding earning assets | 0.1884% | 3,573 |
| Net interest margin | 3.4158% | 1,974 |
| Noninterest income to average assets | 0.7543% | 1,580 |
| Noninterest expense to average assets | 2.3125% | 2,758 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2877% | 1,636 |
| Return on assets (ROA) | 1.2877% | 1,688 |
| Pretax return on assets | 1.6664% | 1,226 |
| Return on Equity (ROE) | 15.1092% | 933 |
| Retained earnings to average equity (ytd only) | 13.7117% | 331 |
| Net charge-offs to loans | -0.0193% | 3,961 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0068% | 3,446 |
| Assets per employee ($millions) | 6.7029% | 2,158 |
| Cash dividends to net income (ytd only)* | 9.2496% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6695% | 1,117 |
| Loan loss allowance to noncurrent loans | 378.6749% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 2,502 |
| Noncurrent loans to loans | 0.4409% | 2,035 |
| Net loans and leases to total assets | 42.9990% | 3,913 |
| Net loans and leases to deposits | 49.6064% | 3,914 |
| Net loans and leases to core deposits | 51.0381% | 3,963 |
| Total domestic deposits to total assets | 86.6803% | 2,631 |
| Equity capital to assets | 8.3852% | 4,124 |
| Core capital (leverage) ratio | 8.4559% | 3,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,686,595,600 | 408 |
| Average earning assets | $2,536,250,600 | 397 |
| Average equity | $228,973,000 | 480 |
| Average total loans | $1,325,164,200 | 516 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7542% | 2,134 |
| Cost of funding earning assets | 0.1975% | 3,627 |
| Net interest margin | 3.5567% | 1,705 |
| Noninterest income to average assets | 0.7972% | 1,532 |
| Noninterest expense to average assets | 2.3167% | 2,702 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4042% | 1,529 |
| Return on assets (ROA) | 1.4042% | 1,588 |
| Pretax return on assets | 1.8351% | 1,080 |
| Return on Equity (ROE) | 16.4022% | 868 |
| Retained earnings to average equity (ytd only) | 14.5032% | 458 |
| Net charge-offs to loans | -0.0273% | 4,095 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6903% | 3,563 |
| Assets per employee ($millions) | 6.6322% | 2,149 |
| Cash dividends to net income (ytd only)* | 11.5778% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6510% | 1,223 |
| Loan loss allowance to noncurrent loans | 257.7196% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.3156% | 2,189 |
| Noncurrent loans to loans | 0.6406% | 1,704 |
| Net loans and leases to total assets | 45.3326% | 3,845 |
| Net loans and leases to deposits | 52.2208% | 3,865 |
| Net loans and leases to core deposits | 53.8992% | 3,927 |
| Total domestic deposits to total assets | 86.8094% | 2,425 |
| Equity capital to assets | 8.5793% | 4,153 |
| Core capital (leverage) ratio | 8.6985% | 3,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,624,278,250 | 423 |
| Average earning assets | $2,475,148,750 | 410 |
| Average equity | $224,671,750 | 493 |
| Average total loans | $1,335,499,000 | 521 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7881% | 2,101 |
| Cost of funding earning assets | 0.2063% | 3,686 |
| Net interest margin | 3.5819% | 1,630 |
| Noninterest income to average assets | 0.9117% | 1,241 |
| Noninterest expense to average assets | 2.4127% | 2,421 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4346% | 1,465 |
| Return on assets (ROA) | 1.4346% | 1,533 |
| Pretax return on assets | 1.8766% | 1,062 |
| Return on Equity (ROE) | 16.7697% | 818 |
| Retained earnings to average equity (ytd only) | 15.3082% | 396 |
| Net charge-offs to loans | -0.0281% | 4,134 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1404% | 3,523 |
| Assets per employee ($millions) | 6.4031% | 2,231 |
| Cash dividends to net income (ytd only)* | 8.7151% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6320% | 1,207 |
| Loan loss allowance to noncurrent loans | 232.6328% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.3831% | 2,079 |
| Noncurrent loans to loans | 0.7015% | 1,677 |
| Net loans and leases to total assets | 47.7709% | 3,751 |
| Net loans and leases to deposits | 55.5916% | 3,740 |
| Net loans and leases to core deposits | 57.5774% | 3,789 |
| Total domestic deposits to total assets | 85.9320% | 2,765 |
| Equity capital to assets | 8.8196% | 3,954 |
| Core capital (leverage) ratio | 8.8508% | 3,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,559,478,333 | 429 |
| Average earning assets | $2,413,477,333 | 415 |
| Average equity | $218,954,667 | 495 |
| Average total loans | $1,347,589,000 | 521 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8202% | 2,046 |
| Cost of funding earning assets | 0.2151% | 3,773 |
| Net interest margin | 3.6051% | 1,571 |
| Noninterest income to average assets | 0.9876% | 1,151 |
| Noninterest expense to average assets | 2.3645% | 2,610 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5479% | 1,222 |
| Return on assets (ROA) | 1.5479% | 1,287 |
| Pretax return on assets | 2.0328% | 901 |
| Return on Equity (ROE) | 18.4027% | 674 |
| Retained earnings to average equity (ytd only) | 16.1121% | 506 |
| Net charge-offs to loans | -0.0079% | 3,573 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6622% | 3,825 |
| Assets per employee ($millions) | 5.8992% | 2,698 |
| Cash dividends to net income (ytd only)* | 12.4468% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5706% | 1,370 |
| Loan loss allowance to noncurrent loans | 333.0820% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 2,673 |
| Noncurrent loans to loans | 0.4715% | 2,440 |
| Net loans and leases to total assets | 52.0236% | 3,449 |
| Net loans and leases to deposits | 60.1094% | 3,472 |
| Net loans and leases to core deposits | 62.3018% | 3,559 |
| Total domestic deposits to total assets | 86.5482% | 2,503 |
| Equity capital to assets | 8.1948% | 4,367 |
| Core capital (leverage) ratio | 8.3796% | 4,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,491,357,500 | 433 |
| Average earning assets | $2,356,318,000 | 420 |
| Average equity | $209,556,500 | 508 |
| Average total loans | $1,366,815,500 | 518 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2922% | 1,890 |
| Cost of funding earning assets | 0.3648% | 3,791 |
| Net interest margin | 3.9274% | 1,141 |
| Noninterest income to average assets | 0.7748% | 1,609 |
| Noninterest expense to average assets | 2.7678% | 2,022 |
| Loan and lease loss provision to assets | 0.0967% | 3,140 |
| Net operating income to assets | 1.2103% | 1,520 |
| Return on assets (ROA) | 1.2331% | 1,544 |
| Pretax return on assets | 1.6188% | 1,035 |
| Return on Equity (ROE) | 13.6526% | 896 |
| Retained earnings to average equity (ytd only) | 11.8057% | 341 |
| Net charge-offs to loans | 0.0237% | 2,571 |
| Credit loss provision to net charge-offs | 643.0868% | 1,058 |
| Earnings coverage of net charge-offs (x) | 112.1543% | 738 |
| Efficiency ratio | 62.0065% | 3,132 |
| Assets per employee ($millions) | 5.6605% | 2,674 |
| Cash dividends to net income (ytd only)* | 13.5278% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5306% | 1,479 |
| Loan loss allowance to noncurrent loans | 388.1415% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.2867% | 2,861 |
| Noncurrent loans to loans | 0.3943% | 2,799 |
| Net loans and leases to total assets | 56.1030% | 3,289 |
| Net loans and leases to deposits | 66.5864% | 3,219 |
| Net loans and leases to core deposits | 69.3849% | 3,293 |
| Total domestic deposits to total assets | 84.2559% | 3,029 |
| Equity capital to assets | 8.6392% | 4,343 |
| Core capital (leverage) ratio | 8.4935% | 4,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,068,138,200 | 462 |
| Average earning assets | $1,937,605,800 | 455 |
| Average equity | $186,799,200 | 539 |
| Average total loans | $1,313,871,000 | 504 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4454% | 1,716 |
| Cost of funding earning assets | 0.4002% | 3,806 |
| Net interest margin | 4.0452% | 1,022 |
| Noninterest income to average assets | 0.7336% | 1,692 |
| Noninterest expense to average assets | 2.8251% | 1,900 |
| Loan and lease loss provision to assets | 0.1179% | 2,847 |
| Net operating income to assets | 1.1905% | 1,668 |
| Return on assets (ROA) | 1.1906% | 1,789 |
| Pretax return on assets | 1.5723% | 1,266 |
| Return on Equity (ROE) | 13.0081% | 1,111 |
| Retained earnings to average equity (ytd only) | 10.7252% | 626 |
| Net charge-offs to loans | 0.0371% | 2,098 |
| Credit loss provision to net charge-offs | 484.7645% | 1,311 |
| Earnings coverage of net charge-offs (x) | 69.4543% | 1,001 |
| Efficiency ratio | 62.4354% | 3,002 |
| Assets per employee ($millions) | 5.2030% | 3,019 |
| Cash dividends to net income (ytd only)* | 17.5498% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4417% | 1,566 |
| Loan loss allowance to noncurrent loans | 435.8246% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2877% | 3,014 |
| Noncurrent loans to loans | 0.3308% | 3,098 |
| Net loans and leases to total assets | 64.5416% | 2,697 |
| Net loans and leases to deposits | 75.3774% | 2,808 |
| Net loans and leases to core deposits | 78.6648% | 2,948 |
| Total domestic deposits to total assets | 85.6246% | 2,211 |
| Equity capital to assets | 8.7288% | 4,308 |
| Core capital (leverage) ratio | 8.3997% | 4,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,978,082,250 | 473 |
| Average earning assets | $1,849,154,500 | 463 |
| Average equity | $181,051,500 | 546 |
| Average total loans | $1,296,448,750 | 504 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5815% | 1,691 |
| Cost of funding earning assets | 0.4436% | 3,824 |
| Net interest margin | 4.1379% | 1,043 |
| Noninterest income to average assets | 0.7304% | 1,640 |
| Noninterest expense to average assets | 2.9307% | 1,761 |
| Loan and lease loss provision to assets | 0.1052% | 2,959 |
| Net operating income to assets | 1.1702% | 1,726 |
| Return on assets (ROA) | 1.1702% | 1,857 |
| Pretax return on assets | 1.5548% | 1,331 |
| Return on Equity (ROE) | 12.5593% | 1,205 |
| Retained earnings to average equity (ytd only) | 9.3966% | 914 |
| Net charge-offs to loans | 0.0250% | 2,220 |
| Credit loss provision to net charge-offs | 641.0256% | 1,059 |
| Earnings coverage of net charge-offs (x) | 101.1090% | 697 |
| Efficiency ratio | 63.7024% | 2,861 |
| Assets per employee ($millions) | 5.0274% | 3,140 |
| Cash dividends to net income (ytd only)* | 25.1821% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 1,590 |
| Loan loss allowance to noncurrent loans | 256.7370% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.4660% | 2,457 |
| Noncurrent loans to loans | 0.5449% | 2,540 |
| Net loans and leases to total assets | 68.0271% | 2,348 |
| Net loans and leases to deposits | 80.7391% | 2,345 |
| Net loans and leases to core deposits | 84.5395% | 2,566 |
| Total domestic deposits to total assets | 84.2554% | 2,658 |
| Equity capital to assets | 8.8422% | 4,217 |
| Core capital (leverage) ratio | 8.5351% | 4,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,900,355,333 | 482 |
| Average earning assets | $1,772,861,667 | 478 |
| Average equity | $177,063,333 | 552 |
| Average total loans | $1,245,911,333 | 512 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6856% | 1,754 |
| Cost of funding earning assets | 0.5167% | 3,864 |
| Net interest margin | 4.1689% | 984 |
| Noninterest income to average assets | 0.6950% | 1,671 |
| Noninterest expense to average assets | 2.8999% | 2,124 |
| Loan and lease loss provision to assets | 0.0668% | 2,927 |
| Net operating income to assets | 1.1918% | 1,542 |
| Return on assets (ROA) | 1.1918% | 1,659 |
| Pretax return on assets | 1.6089% | 1,027 |
| Return on Equity (ROE) | 12.4199% | 1,006 |
| Retained earnings to average equity (ytd only) | 5.9258% | 1,904 |
| Net charge-offs to loans | -0.0053% | 3,883 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2326% | 3,338 |
| Assets per employee ($millions) | 4.2770% | 3,559 |
| Cash dividends to net income (ytd only)* | 52.2876% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7329% | 818 |
| Loan loss allowance to noncurrent loans | 335.7809% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.4367% | 2,715 |
| Noncurrent loans to loans | 0.5161% | 2,715 |
| Net loans and leases to total assets | 62.3591% | 3,262 |
| Net loans and leases to deposits | 74.8167% | 3,186 |
| Net loans and leases to core deposits | 79.1136% | 3,278 |
| Total domestic deposits to total assets | 83.3492% | 3,000 |
| Equity capital to assets | 9.7891% | 3,967 |
| Core capital (leverage) ratio | 9.3232% | 4,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,797,292,500 | 493 |
| Average earning assets | $1,672,961,000 | 487 |
| Average equity | $172,465,500 | 567 |
| Average total loans | $1,142,213,000 | 533 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0990% | 1,218 |
| Cost of funding earning assets | 0.5404% | 3,919 |
| Net interest margin | 4.5586% | 629 |
| Noninterest income to average assets | 0.8768% | 1,228 |
| Noninterest expense to average assets | 3.1735% | 1,584 |
| Loan and lease loss provision to assets | 0.0968% | 2,102 |
| Net operating income to assets | 1.3787% | 1,418 |
| Return on assets (ROA) | 1.3778% | 1,497 |
| Pretax return on assets | 1.8082% | 918 |
| Return on Equity (ROE) | 14.5119% | 795 |
| Retained earnings to average equity (ytd only) | 12.5675% | 198 |
| Net charge-offs to loans | 0.0036% | 3,548 |
| Credit loss provision to net charge-offs | 4,000.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 787.2750% | 128 |
| Efficiency ratio | 62.3320% | 3,322 |
| Assets per employee ($millions) | 4.2918% | 3,522 |
| Cash dividends to net income (ytd only)* | 13.3989% | 3,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7067% | 782 |
| Loan loss allowance to noncurrent loans | 335.8669% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.4342% | 2,656 |
| Noncurrent loans to loans | 0.5082% | 2,668 |
| Net loans and leases to total assets | 62.5590% | 3,350 |
| Net loans and leases to deposits | 76.0644% | 3,173 |
| Net loans and leases to core deposits | 80.1048% | 3,286 |
| Total domestic deposits to total assets | 82.2449% | 3,442 |
| Equity capital to assets | 9.4019% | 4,426 |
| Core capital (leverage) ratio | 9.5452% | 4,014 |
| Tier 1 risk-based capital ratio | 13.5846% | 3,469 |
| Total risk-based capital ratio | 14.8397% | 3,377 |
| Memoranda: | ||
| Average total assets | $1,652,085,400 | 515 |
| Average earning assets | $1,523,179,000 | 508 |
| Average equity | $156,857,000 | 597 |
| Average total loans | $1,111,916,000 | 522 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1805% | 1,080 |
| Cost of funding earning assets | 0.5444% | 3,965 |
| Net interest margin | 4.6361% | 568 |
| Noninterest income to average assets | 0.9059% | 1,128 |
| Noninterest expense to average assets | 3.1577% | 1,561 |
| Loan and lease loss provision to assets | 0.0990% | 1,938 |
| Net operating income to assets | 1.4609% | 1,301 |
| Return on assets (ROA) | 1.4597% | 1,355 |
| Pretax return on assets | 1.9138% | 835 |
| Return on Equity (ROE) | 15.3330% | 709 |
| Retained earnings to average equity (ytd only) | 12.9939% | 280 |
| Net charge-offs to loans | 0.0117% | 2,945 |
| Credit loss provision to net charge-offs | 1,237.1134% | 293 |
| Earnings coverage of net charge-offs (x) | 251.7837% | 367 |
| Efficiency ratio | 60.9105% | 3,489 |
| Assets per employee ($millions) | 4.1111% | 3,742 |
| Cash dividends to net income (ytd only)* | 15.2551% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6621% | 878 |
| Loan loss allowance to noncurrent loans | 267.9527% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.5419% | 2,383 |
| Noncurrent loans to loans | 0.6203% | 2,422 |
| Net loans and leases to total assets | 67.1233% | 2,910 |
| Net loans and leases to deposits | 80.5459% | 2,844 |
| Net loans and leases to core deposits | 84.4203% | 3,056 |
| Total domestic deposits to total assets | 83.3355% | 3,053 |
| Equity capital to assets | 9.8271% | 4,185 |
| Core capital (leverage) ratio | 9.7002% | 3,972 |
| Tier 1 risk-based capital ratio | 13.3094% | 3,682 |
| Total risk-based capital ratio | 14.5640% | 3,580 |
| Memoranda: | ||
| Average total assets | $1,616,610,000 | 526 |
| Average earning assets | $1,487,597,000 | 519 |
| Average equity | $153,904,250 | 608 |
| Average total loans | $1,104,448,000 | 526 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1841% | 1,007 |
| Cost of funding earning assets | 0.5341% | 3,957 |
| Net interest margin | 4.6500% | 551 |
| Noninterest income to average assets | 1.0095% | 860 |
| Noninterest expense to average assets | 3.2059% | 1,493 |
| Loan and lease loss provision to assets | 0.1253% | 1,485 |
| Net operating income to assets | 1.4802% | 1,202 |
| Return on assets (ROA) | 1.4802% | 1,252 |
| Pretax return on assets | 1.9595% | 738 |
| Return on Equity (ROE) | 15.7260% | 633 |
| Retained earnings to average equity (ytd only) | 12.5315% | 347 |
| Net charge-offs to loans | -0.0099% | 4,323 |
| Credit loss provision to net charge-offs | -1,851.8519% | 4,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4537% | 3,658 |
| Assets per employee ($millions) | 4.1889% | 3,591 |
| Cash dividends to net income (ytd only)* | 20.3132% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6829% | 853 |
| Loan loss allowance to noncurrent loans | 267.2768% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.5841% | 2,262 |
| Noncurrent loans to loans | 0.6296% | 2,371 |
| Net loans and leases to total assets | 67.3646% | 2,912 |
| Net loans and leases to deposits | 81.1215% | 2,831 |
| Net loans and leases to core deposits | 84.6525% | 3,061 |
| Total domestic deposits to total assets | 83.0416% | 3,183 |
| Equity capital to assets | 9.6001% | 4,312 |
| Core capital (leverage) ratio | 9.7203% | 3,912 |
| Tier 1 risk-based capital ratio | 12.9802% | 3,846 |
| Total risk-based capital ratio | 14.2351% | 3,754 |
| Memoranda: | ||
| Average total assets | $1,596,364,000 | 527 |
| Average earning assets | $1,469,736,000 | 521 |
| Average equity | $150,261,000 | 618 |
| Average total loans | $1,090,956,670 | 531 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2068% | 901 |
| Cost of funding earning assets | 0.5255% | 3,944 |
| Net interest margin | 4.6814% | 516 |
| Noninterest income to average assets | 1.2938% | 506 |
| Noninterest expense to average assets | 3.1477% | 1,621 |
| Loan and lease loss provision to assets | 0.2545% | 566 |
| Net operating income to assets | 1.6561% | 802 |
| Return on assets (ROA) | 1.6561% | 830 |
| Pretax return on assets | 2.1957% | 454 |
| Return on Equity (ROE) | 17.7794% | 419 |
| Retained earnings to average equity (ytd only) | 11.2207% | 757 |
| Net charge-offs to loans | -0.0026% | 3,901 |
| Credit loss provision to net charge-offs | -14,285.7143% | 4,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0931% | 4,322 |
| Assets per employee ($millions) | 4.0132% | 3,902 |
| Cash dividends to net income (ytd only)* | 36.8890% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7772% | 736 |
| Loan loss allowance to noncurrent loans | 274.5252% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.6042% | 2,261 |
| Noncurrent loans to loans | 0.6474% | 2,395 |
| Net loans and leases to total assets | 66.6868% | 2,948 |
| Net loans and leases to deposits | 80.1838% | 2,820 |
| Net loans and leases to core deposits | 83.3186% | 3,079 |
| Total domestic deposits to total assets | 83.1673% | 3,326 |
| Equity capital to assets | 9.5583% | 4,200 |
| Core capital (leverage) ratio | 9.5422% | 4,082 |
| Tier 1 risk-based capital ratio | 13.2412% | 3,745 |
| Total risk-based capital ratio | 14.4971% | 3,649 |
| Memoranda: | ||
| Average total assets | $1,571,435,500 | 533 |
| Average earning assets | $1,444,796,500 | 532 |
| Average equity | $146,372,000 | 630 |
| Average total loans | $1,072,459,000 | 542 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9212% | 1,227 |
| Cost of funding earning assets | 0.3757% | 4,125 |
| Net interest margin | 4.5455% | 698 |
| Noninterest income to average assets | 0.8891% | 1,202 |
| Noninterest expense to average assets | 3.1338% | 1,717 |
| Loan and lease loss provision to assets | 0.1336% | 1,629 |
| Net operating income to assets | 1.3488% | 1,620 |
| Return on assets (ROA) | 1.3518% | 1,598 |
| Pretax return on assets | 1.7868% | 959 |
| Return on Equity (ROE) | 15.2061% | 777 |
| Retained earnings to average equity (ytd only) | 13.1776% | 220 |
| Net charge-offs to loans | -0.0519% | 4,986 |
| Credit loss provision to net charge-offs | -383.8772% | 4,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8919% | 3,551 |
| Assets per employee ($millions) | 4.0875% | 3,763 |
| Cash dividends to net income (ytd only)* | 13.3399% | 3,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6606% | 902 |
| Loan loss allowance to noncurrent loans | 216.7453% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.7864% | 1,777 |
| Noncurrent loans to loans | 0.7662% | 2,084 |
| Net loans and leases to total assets | 67.4606% | 2,946 |
| Net loans and leases to deposits | 81.5121% | 2,792 |
| Net loans and leases to core deposits | 84.3481% | 3,051 |
| Total domestic deposits to total assets | 82.7615% | 3,404 |
| Equity capital to assets | 9.0714% | 4,522 |
| Core capital (leverage) ratio | 9.3730% | 4,273 |
| Tier 1 risk-based capital ratio | 12.5127% | 4,127 |
| Total risk-based capital ratio | 13.7665% | 4,000 |
| Memoranda: | ||
| Average total assets | $1,497,303,400 | 541 |
| Average earning assets | $1,370,715,800 | 535 |
| Average equity | $133,104,400 | 653 |
| Average total loans | $1,002,999,200 | 558 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8432% | 1,314 |
| Cost of funding earning assets | 0.3514% | 4,174 |
| Net interest margin | 4.4918% | 756 |
| Noninterest income to average assets | 0.8736% | 1,275 |
| Noninterest expense to average assets | 3.1057% | 1,754 |
| Loan and lease loss provision to assets | 0.0902% | 2,171 |
| Net operating income to assets | 1.3616% | 1,611 |
| Return on assets (ROA) | 1.3657% | 1,606 |
| Pretax return on assets | 1.7943% | 1,025 |
| Return on Equity (ROE) | 15.4467% | 792 |
| Retained earnings to average equity (ytd only) | 12.9472% | 366 |
| Net charge-offs to loans | -0.0779% | 5,088 |
| Credit loss provision to net charge-offs | -173.9130% | 4,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1372% | 3,492 |
| Assets per employee ($millions) | 4.0088% | 3,872 |
| Cash dividends to net income (ytd only)* | 16.1813% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6092% | 1,063 |
| Loan loss allowance to noncurrent loans | 173.3640% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.9448% | 1,548 |
| Noncurrent loans to loans | 0.9282% | 1,833 |
| Net loans and leases to total assets | 68.3350% | 2,889 |
| Net loans and leases to deposits | 81.7905% | 2,841 |
| Net loans and leases to core deposits | 84.5201% | 3,116 |
| Total domestic deposits to total assets | 83.5489% | 3,102 |
| Equity capital to assets | 8.9057% | 4,635 |
| Core capital (leverage) ratio | 9.2794% | 4,423 |
| Tier 1 risk-based capital ratio | 12.3209% | 4,305 |
| Total risk-based capital ratio | 13.5739% | 4,191 |
| Memoranda: | ||
| Average total assets | $1,478,205,250 | 546 |
| Average earning assets | $1,353,050,500 | 541 |
| Average equity | $130,691,250 | 660 |
| Average total loans | $983,861,000 | 567 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7314% | 1,426 |
| Cost of funding earning assets | 0.3315% | 4,195 |
| Net interest margin | 4.3998% | 848 |
| Noninterest income to average assets | 0.9393% | 1,080 |
| Noninterest expense to average assets | 3.1224% | 1,731 |
| Loan and lease loss provision to assets | 0.1093% | 1,797 |
| Net operating income to assets | 1.3218% | 1,696 |
| Return on assets (ROA) | 1.3274% | 1,674 |
| Pretax return on assets | 1.7367% | 1,124 |
| Return on Equity (ROE) | 15.0520% | 841 |
| Retained earnings to average equity (ytd only) | 11.6452% | 568 |
| Net charge-offs to loans | -0.0135% | 4,424 |
| Credit loss provision to net charge-offs | -1,230.7692% | 4,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7708% | 3,525 |
| Assets per employee ($millions) | 4.0058% | 3,886 |
| Cash dividends to net income (ytd only)* | 22.6337% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6284% | 1,033 |
| Loan loss allowance to noncurrent loans | 185.1291% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.9464% | 1,595 |
| Noncurrent loans to loans | 0.8796% | 1,972 |
| Net loans and leases to total assets | 66.1370% | 3,130 |
| Net loans and leases to deposits | 79.9882% | 2,954 |
| Net loans and leases to core deposits | 82.6569% | 3,192 |
| Total domestic deposits to total assets | 82.6835% | 3,502 |
| Equity capital to assets | 8.8480% | 4,682 |
| Core capital (leverage) ratio | 9.2372% | 4,430 |
| Tier 1 risk-based capital ratio | 12.4720% | 4,204 |
| Total risk-based capital ratio | 13.7258% | 4,093 |
| Memoranda: | ||
| Average total assets | $1,464,491,330 | 547 |
| Average earning assets | $1,338,728,330 | 547 |
| Average equity | $129,152,000 | 667 |
| Average total loans | $960,072,330 | 578 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6026% | 1,563 |
| Cost of funding earning assets | 0.3117% | 4,255 |
| Net interest margin | 4.2909% | 965 |
| Noninterest income to average assets | 1.0888% | 779 |
| Noninterest expense to average assets | 2.9058% | 2,347 |
| Loan and lease loss provision to assets | 0.1376% | 1,371 |
| Net operating income to assets | 1.5137% | 1,051 |
| Return on assets (ROA) | 1.5137% | 1,050 |
| Pretax return on assets | 1.9741% | 603 |
| Return on Equity (ROE) | 17.1932% | 491 |
| Retained earnings to average equity (ytd only) | 10.3172% | 1,062 |
| Net charge-offs to loans | -0.0136% | 4,376 |
| Credit loss provision to net charge-offs | -1,562.5000% | 4,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7493% | 4,381 |
| Assets per employee ($millions) | 3.9172% | 4,121 |
| Cash dividends to net income (ytd only)* | 39.9927% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6796% | 994 |
| Loan loss allowance to noncurrent loans | 189.3324% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.9703% | 1,626 |
| Noncurrent loans to loans | 0.8871% | 2,055 |
| Net loans and leases to total assets | 64.5469% | 3,235 |
| Net loans and leases to deposits | 76.7786% | 3,134 |
| Net loans and leases to core deposits | 82.0028% | 3,140 |
| Total domestic deposits to total assets | 84.0689% | 3,296 |
| Equity capital to assets | 8.8682% | 4,690 |
| Core capital (leverage) ratio | 9.0076% | 4,672 |
| Tier 1 risk-based capital ratio | 12.6592% | 4,137 |
| Total risk-based capital ratio | 13.9135% | 4,039 |
| Memoranda: | ||
| Average total assets | $1,453,657,500 | 552 |
| Average earning assets | $1,330,912,000 | 555 |
| Average equity | $127,980,500 | 667 |
| Average total loans | $940,522,500 | 592 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5257% | 1,631 |
| Cost of funding earning assets | 0.2585% | 4,496 |
| Net interest margin | 4.2672% | 1,044 |
| Noninterest income to average assets | 0.9062% | 1,250 |
| Noninterest expense to average assets | 3.1350% | 1,762 |
| Loan and lease loss provision to assets | 0.0438% | 3,368 |
| Net operating income to assets | 0.9100% | 2,658 |
| Return on assets (ROA) | 0.9028% | 2,724 |
| Pretax return on assets | 1.6143% | 1,253 |
| Return on Equity (ROE) | 10.0304% | 1,874 |
| Retained earnings to average equity (ytd only) | 8.1648% | 705 |
| Net charge-offs to loans | 0.0318% | 3,156 |
| Credit loss provision to net charge-offs | 214.2857% | 1,268 |
| Earnings coverage of net charge-offs (x) | 81.6714% | 759 |
| Efficiency ratio | 65.0697% | 3,429 |
| Assets per employee ($millions) | 3.9724% | 4,006 |
| Cash dividends to net income (ytd only)* | 18.5994% | 3,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6528% | 1,030 |
| Loan loss allowance to noncurrent loans | 257.8410% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.8334% | 1,869 |
| Noncurrent loans to loans | 0.6410% | 2,619 |
| Net loans and leases to total assets | 62.7081% | 3,526 |
| Net loans and leases to deposits | 75.5306% | 3,375 |
| Net loans and leases to core deposits | 80.2627% | 3,399 |
| Total domestic deposits to total assets | 83.0235% | 3,554 |
| Equity capital to assets | 8.7406% | 4,936 |
| Core capital (leverage) ratio | 8.9503% | 4,704 |
| Tier 1 risk-based capital ratio | 12.6277% | 4,129 |
| Total risk-based capital ratio | 13.8818% | 4,016 |
| Memoranda: | ||
| Average total assets | $1,369,784,400 | 561 |
| Average earning assets | $1,251,371,000 | 561 |
| Average equity | $123,285,600 | 667 |
| Average total loans | $880,377,200 | 599 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4990% | 1,644 |
| Cost of funding earning assets | 0.2528% | 4,545 |
| Net interest margin | 4.2461% | 1,057 |
| Noninterest income to average assets | 0.8048% | 1,569 |
| Noninterest expense to average assets | 3.1029% | 1,790 |
| Loan and lease loss provision to assets | 0.0297% | 3,528 |
| Net operating income to assets | 1.0238% | 2,451 |
| Return on assets (ROA) | 1.0388% | 2,413 |
| Pretax return on assets | 1.5772% | 1,494 |
| Return on Equity (ROE) | 11.4521% | 1,506 |
| Retained earnings to average equity (ytd only) | 9.1602% | 798 |
| Net charge-offs to loans | 0.0174% | 3,156 |
| Credit loss provision to net charge-offs | 265.4867% | 1,083 |
| Earnings coverage of net charge-offs (x) | 141.6134% | 560 |
| Efficiency ratio | 66.0105% | 3,209 |
| Assets per employee ($millions) | 3.9228% | 4,117 |
| Cash dividends to net income (ytd only)* | 20.0133% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6779% | 1,072 |
| Loan loss allowance to noncurrent loans | 266.8239% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.9356% | 1,826 |
| Noncurrent loans to loans | 0.6288% | 2,819 |
| Net loans and leases to total assets | 64.4494% | 3,328 |
| Net loans and leases to deposits | 76.6475% | 3,310 |
| Net loans and leases to core deposits | 80.2809% | 3,430 |
| Total domestic deposits to total assets | 84.0855% | 3,093 |
| Equity capital to assets | 9.1875% | 4,738 |
| Core capital (leverage) ratio | 9.1116% | 4,624 |
| Tier 1 risk-based capital ratio | 12.8872% | 4,091 |
| Total risk-based capital ratio | 14.1419% | 3,990 |
| Memoranda: | ||
| Average total assets | $1,346,767,250 | 571 |
| Average earning assets | $1,231,359,500 | 568 |
| Average equity | $122,163,500 | 678 |
| Average total loans | $867,445,000 | 608 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4028% | 1,808 |
| Cost of funding earning assets | 0.2460% | 4,578 |
| Net interest margin | 4.1568% | 1,180 |
| Noninterest income to average assets | 0.7781% | 1,653 |
| Noninterest expense to average assets | 3.1241% | 1,784 |
| Loan and lease loss provision to assets | 0.0450% | 3,090 |
| Net operating income to assets | 0.9415% | 2,711 |
| Return on assets (ROA) | 0.9643% | 2,644 |
| Pretax return on assets | 1.4439% | 1,841 |
| Return on Equity (ROE) | 10.6782% | 1,770 |
| Retained earnings to average equity (ytd only) | 7.5210% | 1,343 |
| Net charge-offs to loans | -0.0277% | 4,916 |
| Credit loss provision to net charge-offs | -254.2373% | 4,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0311% | 3,007 |
| Assets per employee ($millions) | 3.9418% | 4,060 |
| Cash dividends to net income (ytd only)* | 29.5674% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7414% | 989 |
| Loan loss allowance to noncurrent loans | 199.0755% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 1.2614% | 1,325 |
| Noncurrent loans to loans | 0.8747% | 2,235 |
| Net loans and leases to total assets | 64.1427% | 3,367 |
| Net loans and leases to deposits | 77.0992% | 3,206 |
| Net loans and leases to core deposits | 80.4076% | 3,392 |
| Total domestic deposits to total assets | 83.1950% | 3,507 |
| Equity capital to assets | 9.0851% | 4,819 |
| Core capital (leverage) ratio | 9.1204% | 4,586 |
| Tier 1 risk-based capital ratio | 12.7139% | 4,179 |
| Total risk-based capital ratio | 13.9692% | 4,080 |
| Memoranda: | ||
| Average total assets | $1,332,801,670 | 583 |
| Average earning assets | $1,218,675,330 | 577 |
| Average equity | $120,357,000 | 688 |
| Average total loans | $853,173,670 | 618 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3125% | 1,921 |
| Cost of funding earning assets | 0.2365% | 4,669 |
| Net interest margin | 4.0761% | 1,282 |
| Noninterest income to average assets | 0.7500% | 1,744 |
| Noninterest expense to average assets | 2.9892% | 2,189 |
| Loan and lease loss provision to assets | 0.0911% | 2,017 |
| Net operating income to assets | 0.9350% | 2,587 |
| Return on assets (ROA) | 0.9350% | 2,642 |
| Pretax return on assets | 1.3914% | 1,921 |
| Return on Equity (ROE) | 10.3861% | 1,785 |
| Retained earnings to average equity (ytd only) | 3.9770% | 3,456 |
| Net charge-offs to loans | -0.0048% | 4,170 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6440% | 3,386 |
| Assets per employee ($millions) | 3.8259% | 4,307 |
| Cash dividends to net income (ytd only)* | 61.7083% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8459% | 878 |
| Loan loss allowance to noncurrent loans | 192.2818% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 1.3581% | 1,241 |
| Noncurrent loans to loans | 0.9600% | 2,121 |
| Net loans and leases to total assets | 62.3866% | 3,483 |
| Net loans and leases to deposits | 74.2648% | 3,373 |
| Net loans and leases to core deposits | 77.5471% | 3,512 |
| Total domestic deposits to total assets | 84.0056% | 3,479 |
| Equity capital to assets | 9.1194% | 4,691 |
| Core capital (leverage) ratio | 9.1175% | 4,589 |
| Tier 1 risk-based capital ratio | 12.9435% | 4,112 |
| Total risk-based capital ratio | 14.1996% | 4,005 |
| Memoranda: | ||
| Average total assets | $1,317,273,500 | 587 |
| Average earning assets | $1,202,729,500 | 587 |
| Average equity | $118,581,500 | 694 |
| Average total loans | $834,601,000 | 629 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4025% | 1,813 |
| Cost of funding earning assets | 0.2432% | 4,625 |
| Net interest margin | 4.1593% | 1,214 |
| Noninterest income to average assets | 0.8544% | 1,557 |
| Noninterest expense to average assets | 3.0809% | 2,094 |
| Loan and lease loss provision to assets | 0.0319% | 3,716 |
| Net operating income to assets | 1.0187% | 2,268 |
| Return on assets (ROA) | 1.0337% | 2,312 |
| Pretax return on assets | 1.5544% | 1,417 |
| Return on Equity (ROE) | 11.1410% | 1,526 |
| Retained earnings to average equity (ytd only) | 2.0725% | 4,360 |
| Net charge-offs to loans | 0.0117% | 3,877 |
| Credit loss provision to net charge-offs | 430.1075% | 747 |
| Earnings coverage of net charge-offs (x) | 210.8602% | 329 |
| Efficiency ratio | 66.1235% | 3,575 |
| Assets per employee ($millions) | 3.8891% | 4,159 |
| Cash dividends to net income (ytd only)* | 81.3980% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8064% | 937 |
| Loan loss allowance to noncurrent loans | 256.8267% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 1.2229% | 1,466 |
| Noncurrent loans to loans | 0.7034% | 2,779 |
| Net loans and leases to total assets | 62.0172% | 3,610 |
| Net loans and leases to deposits | 75.0665% | 3,404 |
| Net loans and leases to core deposits | 77.9979% | 3,572 |
| Total domestic deposits to total assets | 82.6164% | 3,889 |
| Equity capital to assets | 8.8856% | 4,929 |
| Core capital (leverage) ratio | 9.1839% | 4,499 |
| Tier 1 risk-based capital ratio | 12.7560% | 4,230 |
| Total risk-based capital ratio | 14.0116% | 4,117 |
| Memoranda: | ||
| Average total assets | $1,253,887,800 | 588 |
| Average earning assets | $1,142,687,400 | 590 |
| Average equity | $116,335,600 | 688 |
| Average total loans | $793,010,200 | 631 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4345% | 1,744 |
| Cost of funding earning assets | 0.2447% | 4,655 |
| Net interest margin | 4.1898% | 1,145 |
| Noninterest income to average assets | 0.8459% | 1,587 |
| Noninterest expense to average assets | 3.0723% | 2,091 |
| Loan and lease loss provision to assets | 0.0216% | 3,809 |
| Net operating income to assets | 1.0416% | 2,239 |
| Return on assets (ROA) | 1.0615% | 2,270 |
| Pretax return on assets | 1.6025% | 1,370 |
| Return on Equity (ROE) | 11.3136% | 1,551 |
| Retained earnings to average equity (ytd only) | -0.4056% | 5,428 |
| Net charge-offs to loans | 0.0152% | 3,429 |
| Credit loss provision to net charge-offs | 224.7191% | 1,313 |
| Earnings coverage of net charge-offs (x) | 166.1288% | 432 |
| Efficiency ratio | 65.6340% | 3,655 |
| Assets per employee ($millions) | 3.8306% | 4,248 |
| Cash dividends to net income (ytd only)* | 103.5848% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8073% | 1,003 |
| Loan loss allowance to noncurrent loans | 338.7170% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 1.1826% | 1,689 |
| Noncurrent loans to loans | 0.5336% | 3,396 |
| Net loans and leases to total assets | 63.6127% | 3,449 |
| Net loans and leases to deposits | 75.9496% | 3,404 |
| Net loans and leases to core deposits | 78.9235% | 3,561 |
| Total domestic deposits to total assets | 83.7565% | 3,294 |
| Equity capital to assets | 9.3081% | 4,855 |
| Core capital (leverage) ratio | 9.1798% | 4,617 |
| Tier 1 risk-based capital ratio | 12.7702% | 4,294 |
| Total risk-based capital ratio | 14.0262% | 4,204 |
| Memoranda: | ||
| Average total assets | $1,236,789,750 | 596 |
| Average earning assets | $1,127,698,500 | 594 |
| Average equity | $116,046,500 | 689 |
| Average total loans | $782,481,000 | 639 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4504% | 1,675 |
| Cost of funding earning assets | 0.2458% | 4,695 |
| Net interest margin | 4.2047% | 1,106 |
| Noninterest income to average assets | 0.8548% | 1,528 |
| Noninterest expense to average assets | 2.9865% | 2,391 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1186% | 1,892 |
| Return on assets (ROA) | 1.1488% | 1,896 |
| Pretax return on assets | 1.7432% | 994 |
| Return on Equity (ROE) | 12.2096% | 1,240 |
| Retained earnings to average equity (ytd only) | -4.4470% | 5,722 |
| Net charge-offs to loans | 0.0341% | 2,768 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 79.3740% | 708 |
| Efficiency ratio | 63.5508% | 4,091 |
| Assets per employee ($millions) | 3.7814% | 4,305 |
| Cash dividends to net income (ytd only)* | 136.4218% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8504% | 984 |
| Loan loss allowance to noncurrent loans | 312.5907% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 1.2742% | 1,602 |
| Noncurrent loans to loans | 0.5919% | 3,293 |
| Net loans and leases to total assets | 62.6444% | 3,549 |
| Net loans and leases to deposits | 75.9845% | 3,383 |
| Net loans and leases to core deposits | 78.6183% | 3,592 |
| Total domestic deposits to total assets | 82.4437% | 3,861 |
| Equity capital to assets | 9.4145% | 4,855 |
| Core capital (leverage) ratio | 9.2143% | 4,573 |
| Tier 1 risk-based capital ratio | 12.9609% | 4,224 |
| Total risk-based capital ratio | 14.2173% | 4,131 |
| Memoranda: | ||
| Average total assets | $1,225,132,670 | 602 |
| Average earning assets | $1,115,708,000 | 600 |
| Average equity | $115,269,670 | 693 |
| Average total loans | $768,677,670 | 648 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5569% | 1,366 |
| Cost of funding earning assets | 0.2463% | 4,742 |
| Net interest margin | 4.3105% | 912 |
| Noninterest income to average assets | 0.7619% | 1,767 |
| Noninterest expense to average assets | 3.0626% | 2,202 |
| Loan and lease loss provision to assets | -0.0657% | 5,962 |
| Net operating income to assets | 1.1059% | 1,873 |
| Return on assets (ROA) | 1.1666% | 1,764 |
| Pretax return on assets | 1.7721% | 896 |
| Return on Equity (ROE) | 12.4031% | 1,184 |
| Retained earnings to average equity (ytd only) | -21.1282% | 5,977 |
| Net charge-offs to loans | -0.0423% | 5,250 |
| Credit loss provision to net charge-offs | 250.0000% | 940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2711% | 3,932 |
| Assets per employee ($millions) | 3.7987% | 4,305 |
| Cash dividends to net income (ytd only)* | 270.3464% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9461% | 902 |
| Loan loss allowance to noncurrent loans | 342.5000% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 1.4405% | 1,438 |
| Noncurrent loans to loans | 0.5682% | 3,487 |
| Net loans and leases to total assets | 61.1420% | 3,637 |
| Net loans and leases to deposits | 73.6949% | 3,467 |
| Net loans and leases to core deposits | 76.2613% | 3,656 |
| Total domestic deposits to total assets | 82.9663% | 3,909 |
| Equity capital to assets | 9.2690% | 4,924 |
| Core capital (leverage) ratio | 9.0571% | 4,787 |
| Tier 1 risk-based capital ratio | 12.9882% | 4,276 |
| Total risk-based capital ratio | 14.2454% | 4,186 |
| Memoranda: | ||
| Average total assets | $1,217,546,500 | 602 |
| Average earning assets | $1,105,847,500 | 606 |
| Average equity | $114,520,000 | 698 |
| Average total loans | $757,201,500 | 657 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5025% | 1,589 |
| Cost of funding earning assets | 0.2870% | 4,398 |
| Net interest margin | 4.2155% | 1,137 |
| Noninterest income to average assets | 0.8228% | 1,698 |
| Noninterest expense to average assets | 3.1083% | 2,212 |
| Loan and lease loss provision to assets | 0.0504% | 3,316 |
| Net operating income to assets | 1.0128% | 2,292 |
| Return on assets (ROA) | 1.0412% | 2,252 |
| Pretax return on assets | 1.5613% | 1,370 |
| Return on Equity (ROE) | 11.0947% | 1,584 |
| Retained earnings to average equity (ytd only) | 10.2002% | 442 |
| Net charge-offs to loans | 0.0617% | 2,991 |
| Credit loss provision to net charge-offs | 131.5789% | 1,990 |
| Earnings coverage of net charge-offs (x) | 40.9956% | 1,155 |
| Efficiency ratio | 66.2335% | 3,866 |
| Assets per employee ($millions) | 3.8467% | 4,213 |
| Cash dividends to net income (ytd only)* | 8.0632% | 4,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9416% | 892 |
| Loan loss allowance to noncurrent loans | 437.6370% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 1.4110% | 1,487 |
| Noncurrent loans to loans | 0.4437% | 3,880 |
| Net loans and leases to total assets | 60.8243% | 3,723 |
| Net loans and leases to deposits | 74.5970% | 3,427 |
| Net loans and leases to core deposits | 77.1827% | 3,648 |
| Total domestic deposits to total assets | 81.5371% | 4,323 |
| Equity capital to assets | 9.5405% | 4,503 |
| Core capital (leverage) ratio | 9.5057% | 4,161 |
| Tier 1 risk-based capital ratio | 13.6357% | 3,929 |
| Total risk-based capital ratio | 14.8927% | 3,854 |
| Memoranda: | ||
| Average total assets | $1,191,152,000 | 592 |
| Average earning assets | $1,089,230,000 | 592 |
| Average equity | $111,782,600 | 686 |
| Average total loans | $738,651,800 | 633 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5342% | 1,497 |
| Cost of funding earning assets | 0.2982% | 4,362 |
| Net interest margin | 4.2360% | 1,088 |
| Noninterest income to average assets | 0.8185% | 1,731 |
| Noninterest expense to average assets | 3.1045% | 2,209 |
| Loan and lease loss provision to assets | 0.0451% | 3,310 |
| Net operating income to assets | 1.0317% | 2,320 |
| Return on assets (ROA) | 1.0667% | 2,235 |
| Pretax return on assets | 1.6045% | 1,367 |
| Return on Equity (ROE) | 11.4162% | 1,567 |
| Retained earnings to average equity (ytd only) | 10.4506% | 560 |
| Net charge-offs to loans | 0.0844% | 2,342 |
| Credit loss provision to net charge-offs | 86.2069% | 2,519 |
| Earnings coverage of net charge-offs (x) | 30.5065% | 1,475 |
| Efficiency ratio | 65.8238% | 3,919 |
| Assets per employee ($millions) | 3.7717% | 4,320 |
| Cash dividends to net income (ytd only)* | 8.4584% | 3,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9482% | 990 |
| Loan loss allowance to noncurrent loans | 409.0679% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 1.4982% | 1,504 |
| Noncurrent loans to loans | 0.4763% | 3,933 |
| Net loans and leases to total assets | 61.9212% | 3,619 |
| Net loans and leases to deposits | 75.7589% | 3,333 |
| Net loans and leases to core deposits | 78.5445% | 3,557 |
| Total domestic deposits to total assets | 81.7346% | 4,247 |
| Equity capital to assets | 9.7135% | 4,501 |
| Core capital (leverage) ratio | 9.4202% | 4,400 |
| Tier 1 risk-based capital ratio | 13.7011% | 4,020 |
| Total risk-based capital ratio | 14.9587% | 3,952 |
| Memoranda: | ||
| Average total assets | $1,182,162,750 | 602 |
| Average earning assets | $1,083,498,250 | 597 |
| Average equity | $110,460,250 | 695 |
| Average total loans | $733,025,000 | 639 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5955% | 1,294 |
| Cost of funding earning assets | 0.3139% | 4,233 |
| Net interest margin | 4.2816% | 960 |
| Noninterest income to average assets | 0.8060% | 1,754 |
| Noninterest expense to average assets | 3.0605% | 2,360 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1110% | 1,904 |
| Return on assets (ROA) | 1.1637% | 1,803 |
| Pretax return on assets | 1.7504% | 980 |
| Return on Equity (ROE) | 12.6205% | 1,193 |
| Retained earnings to average equity (ytd only) | 11.6107% | 434 |
| Net charge-offs to loans | 0.0945% | 2,076 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 28.6890% | 1,406 |
| Efficiency ratio | 64.4733% | 4,279 |
| Assets per employee ($millions) | 3.6037% | 4,623 |
| Cash dividends to net income (ytd only)* | 8.0012% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9234% | 1,119 |
| Loan loss allowance to noncurrent loans | 308.8610% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 1.5203% | 1,612 |
| Noncurrent loans to loans | 0.6227% | 3,602 |
| Net loans and leases to total assets | 62.0274% | 3,545 |
| Net loans and leases to deposits | 76.7149% | 3,191 |
| Net loans and leases to core deposits | 79.4737% | 3,445 |
| Total domestic deposits to total assets | 80.8544% | 4,651 |
| Equity capital to assets | 9.4979% | 4,654 |
| Core capital (leverage) ratio | 9.4137% | 4,399 |
| Tier 1 risk-based capital ratio | 13.5608% | 4,186 |
| Total risk-based capital ratio | 14.8182% | 4,109 |
| Memoranda: | ||
| Average total assets | $1,181,441,330 | 602 |
| Average earning assets | $1,083,097,000 | 600 |
| Average equity | $108,933,670 | 707 |
| Average total loans | $728,059,670 | 645 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1629% | 2,590 |
| Cost of funding earning assets | 0.3330% | 4,063 |
| Net interest margin | 3.8299% | 2,132 |
| Noninterest income to average assets | 0.6516% | 2,395 |
| Noninterest expense to average assets | 3.1142% | 2,224 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7340% | 3,624 |
| Return on assets (ROA) | 0.7340% | 3,756 |
| Pretax return on assets | 1.0476% | 3,307 |
| Return on Equity (ROE) | 8.0811% | 2,919 |
| Retained earnings to average equity (ytd only) | 6.7801% | 2,109 |
| Net charge-offs to loans | 0.1271% | 1,493 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 13.5502% | 1,719 |
| Efficiency ratio | 74.5842% | 2,718 |
| Assets per employee ($millions) | 3.7526% | 4,413 |
| Cash dividends to net income (ytd only)* | 16.0994% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0140% | 1,048 |
| Loan loss allowance to noncurrent loans | 113.2280% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 2.3126% | 965 |
| Noncurrent loans to loans | 1.7787% | 1,529 |
| Net loans and leases to total assets | 60.2513% | 3,617 |
| Net loans and leases to deposits | 74.1232% | 3,292 |
| Net loans and leases to core deposits | 76.8091% | 3,518 |
| Total domestic deposits to total assets | 81.2854% | 4,741 |
| Equity capital to assets | 9.3571% | 4,900 |
| Core capital (leverage) ratio | 8.9834% | 4,970 |
| Tier 1 risk-based capital ratio | 13.3584% | 4,390 |
| Total risk-based capital ratio | 14.6161% | 4,306 |
| Memoranda: | ||
| Average total assets | $1,184,753,500 | 595 |
| Average earning assets | $1,085,866,500 | 588 |
| Average equity | $107,609,000 | 717 |
| Average total loans | $720,590,000 | 646 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3692% | 2,325 |
| Cost of funding earning assets | 0.4771% | 2,913 |
| Net interest margin | 3.8921% | 2,271 |
| Noninterest income to average assets | 0.7711% | 1,988 |
| Noninterest expense to average assets | 3.0722% | 2,616 |
| Loan and lease loss provision to assets | 0.0513% | 3,537 |
| Net operating income to assets | 0.8481% | 3,123 |
| Return on assets (ROA) | 0.8712% | 3,103 |
| Pretax return on assets | 1.2666% | 2,362 |
| Return on Equity (ROE) | 9.2176% | 2,473 |
| Retained earnings to average equity (ytd only) | -1.9813% | 6,012 |
| Net charge-offs to loans | -0.0177% | 5,679 |
| Credit loss provision to net charge-offs | -458.3333% | 5,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4317% | 3,467 |
| Assets per employee ($millions) | 3.9941% | 3,971 |
| Cash dividends to net income (ytd only)* | 121.4943% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0162% | 1,085 |
| Loan loss allowance to noncurrent loans | 112.7851% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 2.2962% | 1,043 |
| Noncurrent loans to loans | 1.7876% | 1,611 |
| Net loans and leases to total assets | 58.9646% | 3,922 |
| Net loans and leases to deposits | 73.4878% | 3,498 |
| Net loans and leases to core deposits | 76.1677% | 3,693 |
| Total domestic deposits to total assets | 80.2373% | 4,956 |
| Equity capital to assets | 8.8183% | 5,468 |
| Core capital (leverage) ratio | 8.7680% | 5,271 |
| Tier 1 risk-based capital ratio | 12.7763% | 4,872 |
| Total risk-based capital ratio | 14.0344% | 4,780 |
| Memoranda: | ||
| Average total assets | $1,072,344,800 | 627 |
| Average earning assets | $987,902,400 | 615 |
| Average equity | $101,349,400 | 723 |
| Average total loans | $678,898,400 | 638 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4069% | 2,194 |
| Cost of funding earning assets | 0.5116% | 2,641 |
| Net interest margin | 3.8953% | 2,263 |
| Noninterest income to average assets | 0.7706% | 2,013 |
| Noninterest expense to average assets | 3.1124% | 2,439 |
| Loan and lease loss provision to assets | 0.0706% | 2,935 |
| Net operating income to assets | 0.8181% | 3,353 |
| Return on assets (ROA) | 0.8500% | 3,270 |
| Pretax return on assets | 1.2276% | 2,664 |
| Return on Equity (ROE) | 8.8221% | 2,773 |
| Retained earnings to average equity (ytd only) | -5.9635% | 6,286 |
| Net charge-offs to loans | 0.0154% | 4,240 |
| Credit loss provision to net charge-offs | 714.2857% | 426 |
| Earnings coverage of net charge-offs (x) | 126.6934% | 475 |
| Efficiency ratio | 71.2845% | 3,296 |
| Assets per employee ($millions) | 3.7039% | 4,482 |
| Cash dividends to net income (ytd only)* | 167.5977% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9761% | 1,299 |
| Loan loss allowance to noncurrent loans | 107.0592% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 2.5335% | 1,031 |
| Noncurrent loans to loans | 1.8458% | 1,731 |
| Net loans and leases to total assets | 63.3978% | 3,282 |
| Net loans and leases to deposits | 76.9704% | 3,073 |
| Net loans and leases to core deposits | 80.4721% | 3,259 |
| Total domestic deposits to total assets | 82.3665% | 4,351 |
| Equity capital to assets | 9.1660% | 5,190 |
| Core capital (leverage) ratio | 9.2387% | 4,723 |
| Tier 1 risk-based capital ratio | 12.5622% | 5,133 |
| Total risk-based capital ratio | 13.8203% | 5,064 |
| Memoranda: | ||
| Average total assets | $1,038,877,750 | 645 |
| Average earning assets | $958,466,500 | 634 |
| Average equity | $100,095,000 | 733 |
| Average total loans | $667,154,500 | 650 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4701% | 1,929 |
| Cost of funding earning assets | 0.5455% | 2,385 |
| Net interest margin | 3.9247% | 2,070 |
| Noninterest income to average assets | 0.7494% | 2,049 |
| Noninterest expense to average assets | 3.0549% | 2,652 |
| Loan and lease loss provision to assets | 0.0793% | 2,702 |
| Net operating income to assets | 0.8601% | 3,013 |
| Return on assets (ROA) | 0.9094% | 2,860 |
| Pretax return on assets | 1.3175% | 2,191 |
| Return on Equity (ROE) | 9.2699% | 2,468 |
| Retained earnings to average equity (ytd only) | 6.6421% | 1,954 |
| Net charge-offs to loans | 0.0362% | 3,495 |
| Credit loss provision to net charge-offs | 341.8803% | 776 |
| Earnings coverage of net charge-offs (x) | 57.1282% | 834 |
| Efficiency ratio | 69.7420% | 3,700 |
| Assets per employee ($millions) | 3.7290% | 4,396 |
| Cash dividends to net income (ytd only)* | 28.3471% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1374% | 1,110 |
| Loan loss allowance to noncurrent loans | 120.2566% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 2.2898% | 1,309 |
| Noncurrent loans to loans | 1.7773% | 1,938 |
| Net loans and leases to total assets | 63.8477% | 3,092 |
| Net loans and leases to deposits | 79.4041% | 2,596 |
| Net loans and leases to core deposits | 83.3509% | 2,807 |
| Total domestic deposits to total assets | 80.4086% | 5,153 |
| Equity capital to assets | 9.9286% | 4,206 |
| Core capital (leverage) ratio | 9.8704% | 3,781 |
| Tier 1 risk-based capital ratio | 14.2826% | 4,074 |
| Total risk-based capital ratio | 15.5431% | 4,004 |
| Memoranda: | ||
| Average total assets | $1,008,607,330 | 664 |
| Average earning assets | $933,127,000 | 658 |
| Average equity | $98,944,330 | 740 |
| Average total loans | $645,994,000 | 662 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3731% | 2,259 |
| Cost of funding earning assets | 0.5650% | 2,294 |
| Net interest margin | 3.8081% | 2,441 |
| Noninterest income to average assets | 0.6790% | 2,291 |
| Noninterest expense to average assets | 3.0949% | 2,551 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7804% | 3,248 |
| Return on assets (ROA) | 0.7804% | 3,332 |
| Pretax return on assets | 1.1089% | 2,863 |
| Return on Equity (ROE) | 8.0046% | 2,927 |
| Retained earnings to average equity (ytd only) | 5.5480% | 2,765 |
| Net charge-offs to loans | 0.0472% | 2,729 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 37.0400% | 924 |
| Efficiency ratio | 73.6207% | 3,213 |
| Assets per employee ($millions) | 3.6510% | 4,622 |
| Cash dividends to net income (ytd only)* | 30.6905% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1882% | 1,180 |
| Loan loss allowance to noncurrent loans | 102.9957% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 2.4894% | 1,287 |
| Noncurrent loans to loans | 2.1246% | 1,728 |
| Net loans and leases to total assets | 62.2913% | 3,191 |
| Net loans and leases to deposits | 76.9259% | 2,693 |
| Net loans and leases to core deposits | 80.7924% | 2,876 |
| Total domestic deposits to total assets | 80.9757% | 5,242 |
| Equity capital to assets | 9.9124% | 3,950 |
| Core capital (leverage) ratio | 9.8051% | 3,852 |
| Tier 1 risk-based capital ratio | 14.5958% | 3,949 |
| Total risk-based capital ratio | 15.8569% | 3,896 |
| Memoranda: | ||
| Average total assets | $1,002,035,000 | 675 |
| Average earning assets | $927,497,000 | 665 |
| Average equity | $97,693,500 | 744 |
| Average total loans | $635,684,500 | 674 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3498% | 2,774 |
| Cost of funding earning assets | 0.6703% | 2,037 |
| Net interest margin | 3.6795% | 3,135 |
| Noninterest income to average assets | 1.0324% | 1,322 |
| Noninterest expense to average assets | 3.0673% | 2,843 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9372% | 2,614 |
| Return on assets (ROA) | 0.9720% | 2,525 |
| Pretax return on assets | 1.4241% | 1,704 |
| Return on Equity (ROE) | 9.5634% | 2,301 |
| Retained earnings to average equity (ytd only) | 0.4735% | 5,631 |
| Net charge-offs to loans | -0.0168% | 6,109 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0797% | 3,996 |
| Assets per employee ($millions) | 3.7172% | 4,442 |
| Cash dividends to net income (ytd only)* | 95.0491% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1936% | 1,182 |
| Loan loss allowance to noncurrent loans | 104.3800% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 2.4748% | 1,392 |
| Noncurrent loans to loans | 2.1016% | 1,880 |
| Net loans and leases to total assets | 61.8101% | 3,395 |
| Net loans and leases to deposits | 76.8534% | 2,874 |
| Net loans and leases to core deposits | 80.7071% | 3,047 |
| Total domestic deposits to total assets | 80.4260% | 5,335 |
| Equity capital to assets | 9.5884% | 4,300 |
| Core capital (leverage) ratio | 9.7273% | 3,949 |
| Tier 1 risk-based capital ratio | 14.4107% | 4,009 |
| Total risk-based capital ratio | 15.6719% | 3,948 |
| Memoranda: | ||
| Average total assets | $984,981,200 | 665 |
| Average earning assets | $912,247,200 | 654 |
| Average equity | $100,110,800 | 703 |
| Average total loans | $602,118,200 | 694 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3162% | 2,920 |
| Cost of funding earning assets | 0.6913% | 2,010 |
| Net interest margin | 3.6249% | 3,341 |
| Noninterest income to average assets | 1.1024% | 1,204 |
| Noninterest expense to average assets | 3.1645% | 2,463 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8874% | 2,896 |
| Return on assets (ROA) | 0.9399% | 2,751 |
| Pretax return on assets | 1.3718% | 2,030 |
| Return on Equity (ROE) | 9.1148% | 2,582 |
| Retained earnings to average equity (ytd only) | 7.5305% | 1,628 |
| Net charge-offs to loans | -0.0261% | 6,128 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9489% | 3,614 |
| Assets per employee ($millions) | 3.6299% | 4,602 |
| Cash dividends to net income (ytd only)* | 17.3812% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2430% | 1,262 |
| Loan loss allowance to noncurrent loans | 132.6879% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 2.2828% | 1,732 |
| Noncurrent loans to loans | 1.6904% | 2,660 |
| Net loans and leases to total assets | 62.3989% | 3,286 |
| Net loans and leases to deposits | 77.6392% | 2,723 |
| Net loans and leases to core deposits | 81.8987% | 2,884 |
| Total domestic deposits to total assets | 80.3704% | 5,398 |
| Equity capital to assets | 10.4696% | 3,313 |
| Core capital (leverage) ratio | 10.3430% | 3,179 |
| Tier 1 risk-based capital ratio | 15.6030% | 3,405 |
| Total risk-based capital ratio | 16.8649% | 3,360 |
| Memoranda: | ||
| Average total assets | $979,387,500 | 673 |
| Average earning assets | $907,227,000 | 656 |
| Average equity | $100,991,250 | 709 |
| Average total loans | $593,494,500 | 703 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2443% | 3,176 |
| Cost of funding earning assets | 0.7094% | 2,010 |
| Net interest margin | 3.5349% | 3,633 |
| Noninterest income to average assets | 1.1112% | 1,232 |
| Noninterest expense to average assets | 3.1535% | 2,503 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8457% | 3,067 |
| Return on assets (ROA) | 0.8458% | 3,217 |
| Pretax return on assets | 1.2312% | 2,556 |
| Return on Equity (ROE) | 8.2443% | 2,967 |
| Retained earnings to average equity (ytd only) | 6.6535% | 2,065 |
| Net charge-offs to loans | -0.0559% | 6,305 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9244% | 3,484 |
| Assets per employee ($millions) | 3.6350% | 4,543 |
| Cash dividends to net income (ytd only)* | 19.2957% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3124% | 1,242 |
| Loan loss allowance to noncurrent loans | 113.5330% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 2.5768% | 1,630 |
| Noncurrent loans to loans | 2.0368% | 2,361 |
| Net loans and leases to total assets | 60.6024% | 3,560 |
| Net loans and leases to deposits | 75.9174% | 2,888 |
| Net loans and leases to core deposits | 80.2339% | 3,001 |
| Total domestic deposits to total assets | 79.8268% | 5,648 |
| Equity capital to assets | 10.2460% | 3,599 |
| Core capital (leverage) ratio | 10.1912% | 3,246 |
| Tier 1 risk-based capital ratio | 15.6490% | 3,396 |
| Total risk-based capital ratio | 16.9118% | 3,336 |
| Memoranda: | ||
| Average total assets | $980,369,330 | 668 |
| Average earning assets | $907,798,670 | 656 |
| Average equity | $100,578,330 | 716 |
| Average total loans | $583,569,670 | 716 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2143% | 3,240 |
| Cost of funding earning assets | 0.7345% | 1,964 |
| Net interest margin | 3.4798% | 3,785 |
| Noninterest income to average assets | 1.0366% | 1,374 |
| Noninterest expense to average assets | 3.2162% | 2,301 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7334% | 3,518 |
| Return on assets (ROA) | 0.7343% | 3,651 |
| Pretax return on assets | 1.0415% | 3,180 |
| Return on Equity (ROE) | 7.1526% | 3,407 |
| Retained earnings to average equity (ytd only) | 5.5649% | 2,920 |
| Net charge-offs to loans | -0.0461% | 6,097 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5600% | 3,003 |
| Assets per employee ($millions) | 3.5745% | 4,829 |
| Cash dividends to net income (ytd only)* | 22.1976% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4457% | 1,184 |
| Loan loss allowance to noncurrent loans | 133.6852% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 2.5961% | 1,759 |
| Noncurrent loans to loans | 1.8295% | 2,828 |
| Net loans and leases to total assets | 57.3592% | 3,862 |
| Net loans and leases to deposits | 70.9755% | 3,330 |
| Net loans and leases to core deposits | 75.0820% | 3,457 |
| Total domestic deposits to total assets | 80.8154% | 5,545 |
| Equity capital to assets | 10.4641% | 3,580 |
| Core capital (leverage) ratio | 10.0047% | 3,375 |
| Tier 1 risk-based capital ratio | 16.2210% | 3,143 |
| Total risk-based capital ratio | 17.4851% | 3,089 |
| Memoranda: | ||
| Average total assets | $981,649,000 | 674 |
| Average earning assets | $908,332,000 | 663 |
| Average equity | $100,774,500 | 726 |
| Average total loans | $572,053,000 | 734 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6369% | 2,858 |
| Cost of funding earning assets | 0.9509% | 1,638 |
| Net interest margin | 3.6860% | 3,708 |
| Noninterest income to average assets | 1.1130% | 1,252 |
| Noninterest expense to average assets | 2.9501% | 3,467 |
| Loan and lease loss provision to assets | 0.0929% | 4,509 |
| Net operating income to assets | 0.9923% | 2,374 |
| Return on assets (ROA) | 1.0334% | 2,399 |
| Pretax return on assets | 1.5277% | 1,605 |
| Return on Equity (ROE) | 9.7430% | 2,289 |
| Retained earnings to average equity (ytd only) | 0.7406% | 5,494 |
| Net charge-offs to loans | 0.1565% | 4,138 |
| Credit loss provision to net charge-offs | 101.8100% | 2,967 |
| Earnings coverage of net charge-offs (x) | 17.0984% | 1,528 |
| Efficiency ratio | 65.4079% | 4,626 |
| Assets per employee ($millions) | 3.7251% | 4,519 |
| Cash dividends to net income (ytd only)* | 92.3984% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4131% | 1,212 |
| Loan loss allowance to noncurrent loans | 149.3322% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 2.3846% | 2,054 |
| Noncurrent loans to loans | 1.6159% | 3,204 |
| Net loans and leases to total assets | 56.3719% | 4,225 |
| Net loans and leases to deposits | 68.6280% | 3,885 |
| Net loans and leases to core deposits | 72.9504% | 3,924 |
| Total domestic deposits to total assets | 82.1413% | 5,045 |
| Equity capital to assets | 10.0728% | 4,071 |
| Core capital (leverage) ratio | 9.8503% | 3,604 |
| Tier 1 risk-based capital ratio | 16.0195% | 3,153 |
| Total risk-based capital ratio | 17.2837% | 3,093 |
| Memoranda: | ||
| Average total assets | $968,768,000 | 675 |
| Average earning assets | $892,928,200 | 663 |
| Average equity | $102,750,800 | 691 |
| Average total loans | $564,830,600 | 733 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7065% | 2,782 |
| Cost of funding earning assets | 0.9571% | 1,813 |
| Net interest margin | 3.7494% | 3,559 |
| Noninterest income to average assets | 1.0844% | 1,280 |
| Noninterest expense to average assets | 3.0009% | 3,230 |
| Loan and lease loss provision to assets | 0.1247% | 3,991 |
| Net operating income to assets | 0.9658% | 2,681 |
| Return on assets (ROA) | 1.0098% | 2,688 |
| Pretax return on assets | 1.4784% | 1,962 |
| Return on Equity (ROE) | 9.3983% | 2,633 |
| Retained earnings to average equity (ytd only) | 8.1087% | 1,568 |
| Net charge-offs to loans | 0.2876% | 3,004 |
| Credit loss provision to net charge-offs | 74.1962% | 3,791 |
| Earnings coverage of net charge-offs (x) | 9.1534% | 2,362 |
| Efficiency ratio | 66.1101% | 4,434 |
| Assets per employee ($millions) | 3.6154% | 4,729 |
| Cash dividends to net income (ytd only)* | 13.7212% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4000% | 1,361 |
| Loan loss allowance to noncurrent loans | 122.6885% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 2.7896% | 1,885 |
| Noncurrent loans to loans | 1.9562% | 2,889 |
| Net loans and leases to total assets | 57.4495% | 4,213 |
| Net loans and leases to deposits | 70.9792% | 3,758 |
| Net loans and leases to core deposits | 75.8854% | 3,740 |
| Total domestic deposits to total assets | 80.9385% | 5,380 |
| Equity capital to assets | 11.1964% | 3,039 |
| Core capital (leverage) ratio | 10.6159% | 2,783 |
| Tier 1 risk-based capital ratio | 17.3791% | 2,586 |
| Total risk-based capital ratio | 18.6432% | 2,546 |
| Memoranda: | ||
| Average total assets | $962,309,500 | 691 |
| Average earning assets | $886,704,000 | 672 |
| Average equity | $103,392,500 | 688 |
| Average total loans | $562,403,250 | 738 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7281% | 2,808 |
| Cost of funding earning assets | 0.9678% | 1,945 |
| Net interest margin | 3.7603% | 3,540 |
| Noninterest income to average assets | 1.1059% | 1,172 |
| Noninterest expense to average assets | 2.9079% | 3,586 |
| Loan and lease loss provision to assets | 0.0830% | 4,560 |
| Net operating income to assets | 1.0617% | 2,197 |
| Return on assets (ROA) | 1.1269% | 2,171 |
| Pretax return on assets | 1.6731% | 1,333 |
| Return on Equity (ROE) | 10.6367% | 2,119 |
| Retained earnings to average equity (ytd only) | 9.6572% | 1,072 |
| Net charge-offs to loans | 0.2371% | 3,149 |
| Credit loss provision to net charge-offs | 60.0601% | 3,795 |
| Earnings coverage of net charge-offs (x) | 12.0015% | 1,916 |
| Efficiency ratio | 63.6764% | 4,953 |
| Assets per employee ($millions) | 3.7100% | 4,499 |
| Cash dividends to net income (ytd only)* | 9.2081% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3780% | 1,448 |
| Loan loss allowance to noncurrent loans | 117.8379% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 2.8200% | 1,953 |
| Noncurrent loans to loans | 2.0180% | 2,930 |
| Net loans and leases to total assets | 57.5831% | 4,237 |
| Net loans and leases to deposits | 71.5877% | 3,673 |
| Net loans and leases to core deposits | 76.5256% | 3,714 |
| Total domestic deposits to total assets | 80.4372% | 5,632 |
| Equity capital to assets | 10.8334% | 3,309 |
| Core capital (leverage) ratio | 10.5235% | 2,777 |
| Tier 1 risk-based capital ratio | 16.7761% | 2,774 |
| Total risk-based capital ratio | 18.0396% | 2,722 |
| Memoranda: | ||
| Average total assets | $963,717,670 | 690 |
| Average earning assets | $886,960,670 | 673 |
| Average equity | $102,099,670 | 697 |
| Average total loans | $561,887,670 | 740 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6719% | 3,156 |
| Cost of funding earning assets | 0.9844% | 2,073 |
| Net interest margin | 3.6875% | 3,886 |
| Noninterest income to average assets | 0.9436% | 1,587 |
| Noninterest expense to average assets | 2.9810% | 3,329 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9381% | 2,756 |
| Return on assets (ROA) | 0.9378% | 2,962 |
| Pretax return on assets | 1.3659% | 2,306 |
| Return on Equity (ROE) | 8.9534% | 2,857 |
| Retained earnings to average equity (ytd only) | 8.9534% | 1,612 |
| Net charge-offs to loans | -0.0452% | 6,496 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5712% | 4,055 |
| Assets per employee ($millions) | 3.7496% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5205% | 1,323 |
| Loan loss allowance to noncurrent loans | 99.7419% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 3.3719% | 1,710 |
| Noncurrent loans to loans | 2.5270% | 2,580 |
| Net loans and leases to total assets | 56.4888% | 4,293 |
| Net loans and leases to deposits | 69.8689% | 3,753 |
| Net loans and leases to core deposits | 74.7769% | 3,789 |
| Total domestic deposits to total assets | 80.8497% | 5,647 |
| Equity capital to assets | 10.6974% | 3,271 |
| Core capital (leverage) ratio | 10.1107% | 3,225 |
| Tier 1 risk-based capital ratio | 16.5230% | 2,901 |
| Total risk-based capital ratio | 17.7875% | 2,860 |
| Memoranda: | ||
| Average total assets | $961,427,000 | 693 |
| Average earning assets | $887,430,500 | 676 |
| Average equity | $100,699,500 | 708 |
| Average total loans | $557,252,000 | 750 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0089% | 2,845 |
| Cost of funding earning assets | 1.1794% | 2,168 |
| Net interest margin | 3.8295% | 3,681 |
| Noninterest income to average assets | 0.8688% | 1,776 |
| Noninterest expense to average assets | 3.0424% | 3,423 |
| Loan and lease loss provision to assets | 0.1167% | 5,140 |
| Net operating income to assets | 0.8348% | 2,897 |
| Return on assets (ROA) | 0.8407% | 3,027 |
| Pretax return on assets | 1.2357% | 2,339 |
| Return on Equity (ROE) | 8.9265% | 2,483 |
| Retained earnings to average equity (ytd only) | 7.8008% | 1,153 |
| Net charge-offs to loans | 0.2251% | 4,375 |
| Credit loss provision to net charge-offs | 86.8297% | 4,159 |
| Earnings coverage of net charge-offs (x) | 9.9953% | 1,902 |
| Efficiency ratio | 69.3643% | 4,076 |
| Assets per employee ($millions) | 3.7761% | 4,377 |
| Cash dividends to net income (ytd only)* | 12.6103% | 3,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4615% | 1,370 |
| Loan loss allowance to noncurrent loans | 92.7218% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 3.2390% | 1,844 |
| Noncurrent loans to loans | 2.6547% | 2,450 |
| Net loans and leases to total assets | 56.5452% | 4,616 |
| Net loans and leases to deposits | 69.7392% | 4,152 |
| Net loans and leases to core deposits | 74.3521% | 4,192 |
| Total domestic deposits to total assets | 81.0809% | 5,424 |
| Equity capital to assets | 10.2547% | 3,842 |
| Core capital (leverage) ratio | 10.0163% | 3,322 |
| Tier 1 risk-based capital ratio | 16.1032% | 2,991 |
| Total risk-based capital ratio | 17.3676% | 2,947 |
| Memoranda: | ||
| Average total assets | $943,210,400 | 689 |
| Average earning assets | $866,303,400 | 678 |
| Average equity | $88,836,800 | 759 |
| Average total loans | $563,223,200 | 749 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0892% | 2,656 |
| Cost of funding earning assets | 1.2188% | 2,202 |
| Net interest margin | 3.8704% | 3,520 |
| Noninterest income to average assets | 0.8387% | 1,881 |
| Noninterest expense to average assets | 3.1493% | 2,997 |
| Loan and lease loss provision to assets | 0.1568% | 4,509 |
| Net operating income to assets | 0.7462% | 3,400 |
| Return on assets (ROA) | 0.7542% | 3,531 |
| Pretax return on assets | 1.0968% | 3,030 |
| Return on Equity (ROE) | 8.1963% | 2,966 |
| Retained earnings to average equity (ytd only) | 6.6490% | 2,166 |
| Net charge-offs to loans | 0.2021% | 4,188 |
| Credit loss provision to net charge-offs | 128.9227% | 2,468 |
| Earnings coverage of net charge-offs (x) | 10.2131% | 1,955 |
| Efficiency ratio | 71.7185% | 3,611 |
| Assets per employee ($millions) | 3.6658% | 4,605 |
| Cash dividends to net income (ytd only)* | 18.8786% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5251% | 1,362 |
| Loan loss allowance to noncurrent loans | 103.6332% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 3.2472% | 1,961 |
| Noncurrent loans to loans | 2.4366% | 2,838 |
| Net loans and leases to total assets | 58.6656% | 4,380 |
| Net loans and leases to deposits | 71.9066% | 4,005 |
| Net loans and leases to core deposits | 77.0639% | 4,038 |
| Total domestic deposits to total assets | 81.5857% | 5,223 |
| Equity capital to assets | 10.3512% | 3,895 |
| Core capital (leverage) ratio | 9.9646% | 3,484 |
| Tier 1 risk-based capital ratio | 15.6912% | 3,283 |
| Total risk-based capital ratio | 16.9564% | 3,236 |
| Memoranda: | ||
| Average total assets | $936,400,500 | 705 |
| Average earning assets | $859,495,000 | 690 |
| Average equity | $86,166,750 | 787 |
| Average total loans | $563,381,250 | 758 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0416% | 2,960 |
| Cost of funding earning assets | 1.2500% | 2,250 |
| Net interest margin | 3.7916% | 3,820 |
| Noninterest income to average assets | 0.8479% | 1,811 |
| Noninterest expense to average assets | 3.1244% | 3,163 |
| Loan and lease loss provision to assets | 0.2353% | 3,557 |
| Net operating income to assets | 0.6761% | 3,660 |
| Return on assets (ROA) | 0.6756% | 3,781 |
| Pretax return on assets | 0.9650% | 3,378 |
| Return on Equity (ROE) | 7.6622% | 3,114 |
| Retained earnings to average equity (ytd only) | 5.2382% | 2,849 |
| Net charge-offs to loans | 0.3141% | 3,300 |
| Credit loss provision to net charge-offs | 124.5475% | 2,450 |
| Earnings coverage of net charge-offs (x) | 6.3563% | 2,410 |
| Efficiency ratio | 72.2340% | 3,688 |
| Assets per employee ($millions) | 3.4995% | 4,941 |
| Cash dividends to net income (ytd only)* | 31.6356% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5437% | 1,383 |
| Loan loss allowance to noncurrent loans | 105.8850% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 3.2047% | 2,095 |
| Noncurrent loans to loans | 2.4023% | 2,987 |
| Net loans and leases to total assets | 58.7981% | 4,499 |
| Net loans and leases to deposits | 71.6918% | 4,162 |
| Net loans and leases to core deposits | 76.8566% | 4,204 |
| Total domestic deposits to total assets | 82.0151% | 5,162 |
| Equity capital to assets | 9.1668% | 5,328 |
| Core capital (leverage) ratio | 8.8236% | 5,009 |
| Tier 1 risk-based capital ratio | 13.9375% | 4,213 |
| Total risk-based capital ratio | 15.2030% | 4,172 |
| Memoranda: | ||
| Average total assets | $935,720,670 | 716 |
| Average earning assets | $858,214,670 | 701 |
| Average equity | $82,509,000 | 816 |
| Average total loans | $562,907,330 | 765 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9450% | 3,350 |
| Cost of funding earning assets | 1.2667% | 2,384 |
| Net interest margin | 3.6783% | 4,210 |
| Noninterest income to average assets | 0.8520% | 1,843 |
| Noninterest expense to average assets | 2.9361% | 3,913 |
| Loan and lease loss provision to assets | 0.0213% | 5,685 |
| Net operating income to assets | 0.8548% | 2,753 |
| Return on assets (ROA) | 0.8546% | 2,819 |
| Pretax return on assets | 1.2691% | 2,135 |
| Return on Equity (ROE) | 9.8845% | 2,135 |
| Retained earnings to average equity (ytd only) | 4.9619% | 3,222 |
| Net charge-offs to loans | -0.0085% | 6,327 |
| Credit loss provision to net charge-offs | -416.6667% | 5,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4623% | 4,386 |
| Assets per employee ($millions) | 3.6162% | 4,729 |
| Cash dividends to net income (ytd only)* | 49.8008% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5440% | 1,400 |
| Loan loss allowance to noncurrent loans | 89.4516% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 3.5978% | 1,892 |
| Noncurrent loans to loans | 2.8440% | 2,654 |
| Net loans and leases to total assets | 57.3561% | 4,742 |
| Net loans and leases to deposits | 69.4742% | 4,437 |
| Net loans and leases to core deposits | 74.3685% | 4,499 |
| Total domestic deposits to total assets | 82.5575% | 5,085 |
| Equity capital to assets | 8.7302% | 5,605 |
| Core capital (leverage) ratio | 8.5875% | 5,285 |
| Tier 1 risk-based capital ratio | 13.7554% | 4,243 |
| Total risk-based capital ratio | 15.0207% | 4,207 |
| Memoranda: | ||
| Average total assets | $939,897,000 | 719 |
| Average earning assets | $862,366,500 | 704 |
| Average equity | $81,258,500 | 817 |
| Average total loans | $564,607,500 | 773 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3452% | 2,913 |
| Cost of funding earning assets | 1.6478% | 1,839 |
| Net interest margin | 3.6974% | 4,353 |
| Noninterest income to average assets | 0.9425% | 1,694 |
| Noninterest expense to average assets | 3.1522% | 3,265 |
| Loan and lease loss provision to assets | 1.7480% | 805 |
| Net operating income to assets | -0.2667% | 6,184 |
| Return on assets (ROA) | -0.2636% | 6,228 |
| Pretax return on assets | -0.5680% | 6,373 |
| Return on Equity (ROE) | -2.8978% | 6,270 |
| Retained earnings to average equity (ytd only) | -3.6183% | 6,168 |
| Net charge-offs to loans | 2.0110% | 1,003 |
| Credit loss provision to net charge-offs | 130.1025% | 3,056 |
| Earnings coverage of net charge-offs (x) | 0.8747% | 5,251 |
| Efficiency ratio | 72.8427% | 3,634 |
| Assets per employee ($millions) | 3.5456% | 4,834 |
| Cash dividends to net income (ytd only)* | -24.8653% | 7,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4337% | 1,505 |
| Loan loss allowance to noncurrent loans | 84.6419% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 3.6038% | 1,910 |
| Noncurrent loans to loans | 2.8753% | 2,651 |
| Net loans and leases to total assets | 59.7983% | 4,712 |
| Net loans and leases to deposits | 73.7152% | 4,242 |
| Net loans and leases to core deposits | 78.9535% | 4,349 |
| Total domestic deposits to total assets | 81.1207% | 5,488 |
| Equity capital to assets | 8.5607% | 5,776 |
| Core capital (leverage) ratio | 8.4213% | 5,499 |
| Tier 1 risk-based capital ratio | 13.1552% | 4,483 |
| Total risk-based capital ratio | 14.4194% | 4,428 |
| Memoranda: | ||
| Average total assets | $915,342,800 | 733 |
| Average earning assets | $837,965,800 | 727 |
| Average equity | $83,270,600 | 796 |
| Average total loans | $611,521,400 | 728 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3492% | 3,124 |
| Cost of funding earning assets | 1.7139% | 1,802 |
| Net interest margin | 3.6353% | 4,700 |
| Noninterest income to average assets | 0.8591% | 1,959 |
| Noninterest expense to average assets | 3.1697% | 3,028 |
| Loan and lease loss provision to assets | 1.8329% | 682 |
| Net operating income to assets | -0.4146% | 6,530 |
| Return on assets (ROA) | -0.4104% | 6,571 |
| Pretax return on assets | -0.8096% | 6,742 |
| Return on Equity (ROE) | -4.4438% | 6,600 |
| Retained earnings to average equity (ytd only) | -4.9201% | 6,552 |
| Net charge-offs to loans | 2.1305% | 868 |
| Credit loss provision to net charge-offs | 126.0843% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.6994% | 5,352 |
| Efficiency ratio | 75.7136% | 3,004 |
| Assets per employee ($millions) | 3.5290% | 4,903 |
| Cash dividends to net income (ytd only)* | -10.7181% | 7,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1719% | 1,852 |
| Loan loss allowance to noncurrent loans | 63.3204% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 4.1491% | 1,659 |
| Noncurrent loans to loans | 3.4301% | 2,320 |
| Net loans and leases to total assets | 62.1270% | 4,503 |
| Net loans and leases to deposits | 75.6970% | 4,229 |
| Net loans and leases to core deposits | 81.2250% | 4,354 |
| Total domestic deposits to total assets | 82.0732% | 4,963 |
| Equity capital to assets | 8.8276% | 5,810 |
| Core capital (leverage) ratio | 8.5869% | 5,368 |
| Tier 1 risk-based capital ratio | 12.9057% | 4,648 |
| Total risk-based capital ratio | 14.1671% | 4,622 |
| Memoranda: | ||
| Average total assets | $909,281,750 | 741 |
| Average earning assets | $832,257,000 | 726 |
| Average equity | $83,979,500 | 787 |
| Average total loans | $620,433,750 | 717 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3886% | 3,021 |
| Cost of funding earning assets | 1.7724% | 1,756 |
| Net interest margin | 3.6163% | 4,746 |
| Noninterest income to average assets | 0.8740% | 1,786 |
| Noninterest expense to average assets | 3.2559% | 2,706 |
| Loan and lease loss provision to assets | 0.9771% | 1,482 |
| Net operating income to assets | 0.0566% | 5,977 |
| Return on assets (ROA) | 0.0597% | 6,068 |
| Pretax return on assets | -0.0424% | 6,191 |
| Return on Equity (ROE) | 0.6370% | 6,051 |
| Retained earnings to average equity (ytd only) | -0.0734% | 5,748 |
| Net charge-offs to loans | 0.7838% | 2,285 |
| Credit loss provision to net charge-offs | 178.4266% | 2,195 |
| Earnings coverage of net charge-offs (x) | 1.6979% | 4,236 |
| Efficiency ratio | 77.7866% | 2,761 |
| Assets per employee ($millions) | 3.4225% | 5,112 |
| Cash dividends to net income (ytd only)* | 111.5242% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9629% | 2,274 |
| Loan loss allowance to noncurrent loans | 41.9720% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 4.3832% | 1,521 |
| Noncurrent loans to loans | 4.6766% | 1,532 |
| Net loans and leases to total assets | 66.6886% | 3,691 |
| Net loans and leases to deposits | 81.2985% | 3,386 |
| Net loans and leases to core deposits | 87.5671% | 3,607 |
| Total domestic deposits to total assets | 82.0294% | 4,969 |
| Equity capital to assets | 9.2611% | 5,059 |
| Core capital (leverage) ratio | 9.0088% | 4,587 |
| Tier 1 risk-based capital ratio | 12.8336% | 4,578 |
| Total risk-based capital ratio | 14.0927% | 4,530 |
| Memoranda: | ||
| Average total assets | $900,651,670 | 744 |
| Average earning assets | $824,773,330 | 733 |
| Average equity | $84,455,000 | 777 |
| Average total loans | $629,280,670 | 711 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3517% | 3,290 |
| Cost of funding earning assets | 1.7800% | 1,967 |
| Net interest margin | 3.5717% | 4,850 |
| Noninterest income to average assets | 1.0189% | 1,237 |
| Noninterest expense to average assets | 3.2270% | 2,768 |
| Loan and lease loss provision to assets | 0.7620% | 1,667 |
| Net operating income to assets | 0.2627% | 5,440 |
| Return on assets (ROA) | 0.2631% | 5,565 |
| Pretax return on assets | 0.3062% | 5,581 |
| Return on Equity (ROE) | 2.7883% | 5,436 |
| Retained earnings to average equity (ytd only) | 2.7883% | 4,463 |
| Net charge-offs to loans | 0.1329% | 4,160 |
| Credit loss provision to net charge-offs | 809.5238% | 562 |
| Earnings coverage of net charge-offs (x) | 11.3429% | 1,653 |
| Efficiency ratio | 75.1383% | 3,369 |
| Assets per employee ($millions) | 3.2987% | 5,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8954% | 2,467 |
| Loan loss allowance to noncurrent loans | 34.4996% | 6,084 |
| Noncurrent assets plus other real estate owned to assets | 4.7699% | 1,380 |
| Noncurrent loans to loans | 5.4939% | 1,277 |
| Net loans and leases to total assets | 68.3402% | 3,304 |
| Net loans and leases to deposits | 83.1527% | 3,081 |
| Net loans and leases to core deposits | 89.9901% | 3,363 |
| Total domestic deposits to total assets | 82.1864% | 4,991 |
| Equity capital to assets | 9.4784% | 4,566 |
| Core capital (leverage) ratio | 9.3074% | 4,041 |
| Tier 1 risk-based capital ratio | 13.0143% | 4,322 |
| Total risk-based capital ratio | 14.2726% | 4,292 |
| Memoranda: | ||
| Average total assets | $892,359,500 | 774 |
| Average earning assets | $818,436,500 | 760 |
| Average equity | $84,209,500 | 785 |
| Average total loans | $631,951,500 | 728 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0133% | 1,815 |
| Cost of funding earning assets | 1.9167% | 3,371 |
| Net interest margin | 4.0966% | 2,460 |
| Noninterest income to average assets | 1.0182% | 1,512 |
| Noninterest expense to average assets | 3.3900% | 2,712 |
| Loan and lease loss provision to assets | 2.2378% | 926 |
| Net operating income to assets | -0.4463% | 6,122 |
| Return on assets (ROA) | -0.4429% | 6,119 |
| Pretax return on assets | -0.8270% | 6,289 |
| Return on Equity (ROE) | -4.5187% | 6,164 |
| Retained earnings to average equity (ytd only) | -4.5187% | 5,951 |
| Net charge-offs to loans | 2.6526% | 846 |
| Credit loss provision to net charge-offs | 109.6448% | 5,021 |
| Earnings coverage of net charge-offs (x) | 0.6887% | 5,409 |
| Efficiency ratio | 70.6898% | 4,493 |
| Assets per employee ($millions) | 3.2629% | 5,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6085% | 3,251 |
| Loan loss allowance to noncurrent loans | 43.9131% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 3.6266% | 1,838 |
| Noncurrent loans to loans | 3.6628% | 2,052 |
| Net loans and leases to total assets | 70.8219% | 3,047 |
| Net loans and leases to deposits | 86.7344% | 2,793 |
| Net loans and leases to core deposits | 111.6221% | 2,734 |
| Total domestic deposits to total assets | 81.6538% | 5,080 |
| Equity capital to assets | 9.3949% | 4,567 |
| Core capital (leverage) ratio | 9.4203% | 3,812 |
| Tier 1 risk-based capital ratio | 12.4820% | 4,542 |
| Total risk-based capital ratio | 13.7367% | 4,480 |
| Memoranda: | ||
| Average total assets | $842,773,800 | 802 |
| Average earning assets | $777,112,400 | 794 |
| Average equity | $82,611,600 | 783 |
| Average total loans | $648,446,600 | 723 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0797% | 1,720 |
| Cost of funding earning assets | 1.9440% | 3,648 |
| Net interest margin | 4.1358% | 2,264 |
| Noninterest income to average assets | 1.0729% | 1,378 |
| Noninterest expense to average assets | 3.4290% | 2,484 |
| Loan and lease loss provision to assets | 1.7750% | 1,045 |
| Net operating income to assets | -0.1284% | 5,940 |
| Return on assets (ROA) | -0.1239% | 5,954 |
| Pretax return on assets | -0.3000% | 6,098 |
| Return on Equity (ROE) | -1.2500% | 5,977 |
| Retained earnings to average equity (ytd only) | -1.2500% | 5,546 |
| Net charge-offs to loans | 1.7652% | 1,143 |
| Credit loss provision to net charge-offs | 128.4702% | 3,907 |
| Earnings coverage of net charge-offs (x) | 1.0625% | 4,995 |
| Efficiency ratio | 70.0226% | 4,584 |
| Assets per employee ($millions) | 3.0257% | 6,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7004% | 2,631 |
| Loan loss allowance to noncurrent loans | 40.2282% | 5,659 |
| Noncurrent assets plus other real estate owned to assets | 4.2830% | 1,451 |
| Noncurrent loans to loans | 4.2270% | 1,704 |
| Net loans and leases to total assets | 76.3193% | 1,930 |
| Net loans and leases to deposits | 93.1809% | 2,029 |
| Net loans and leases to core deposits | 120.7082% | 2,185 |
| Total domestic deposits to total assets | 81.9044% | 4,710 |
| Equity capital to assets | 10.3982% | 3,618 |
| Core capital (leverage) ratio | 10.0086% | 3,270 |
| Tier 1 risk-based capital ratio | 12.8333% | 4,303 |
| Total risk-based capital ratio | 14.0893% | 4,239 |
| Memoranda: | ||
| Average total assets | $830,775,500 | 823 |
| Average earning assets | $768,175,500 | 813 |
| Average equity | $82,342,750 | 793 |
| Average total loans | $650,265,500 | 738 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0364% | 2,028 |
| Cost of funding earning assets | 1.9761% | 3,887 |
| Net interest margin | 4.0604% | 2,467 |
| Noninterest income to average assets | 1.0434% | 1,452 |
| Noninterest expense to average assets | 3.4207% | 2,567 |
| Loan and lease loss provision to assets | 1.5859% | 1,065 |
| Net operating income to assets | -0.0703% | 5,956 |
| Return on assets (ROA) | -0.0633% | 6,010 |
| Pretax return on assets | -0.1970% | 6,119 |
| Return on Equity (ROE) | -0.6498% | 6,020 |
| Retained earnings to average equity (ytd only) | -0.6498% | 5,386 |
| Net charge-offs to loans | 1.7011% | 1,111 |
| Credit loss provision to net charge-offs | 118.7760% | 3,918 |
| Earnings coverage of net charge-offs (x) | 1.0320% | 4,757 |
| Efficiency ratio | 71.2846% | 4,541 |
| Assets per employee ($millions) | 3.1112% | 5,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4755% | 3,327 |
| Loan loss allowance to noncurrent loans | 39.2730% | 5,778 |
| Noncurrent assets plus other real estate owned to assets | 3.8596% | 1,568 |
| Noncurrent loans to loans | 3.7569% | 1,840 |
| Net loans and leases to total assets | 75.9113% | 2,203 |
| Net loans and leases to deposits | 91.4545% | 2,577 |
| Net loans and leases to core deposits | 117.5696% | 2,584 |
| Total domestic deposits to total assets | 83.0045% | 4,233 |
| Equity capital to assets | 10.1477% | 3,771 |
| Core capital (leverage) ratio | 10.1962% | 3,097 |
| Tier 1 risk-based capital ratio | 12.8844% | 4,224 |
| Total risk-based capital ratio | 14.1375% | 4,136 |
| Memoranda: | ||
| Average total assets | $827,315,000 | 848 |
| Average earning assets | $765,153,670 | 837 |
| Average equity | $80,635,330 | 819 |
| Average total loans | $649,330,670 | 761 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1500% | 1,762 |
| Cost of funding earning assets | 2.0750% | 3,771 |
| Net interest margin | 4.0750% | 2,381 |
| Noninterest income to average assets | 0.9264% | 1,747 |
| Noninterest expense to average assets | 3.1893% | 3,038 |
| Loan and lease loss provision to assets | 1.4483% | 875 |
| Net operating income to assets | 0.0894% | 6,012 |
| Return on assets (ROA) | 0.0889% | 6,176 |
| Pretax return on assets | 0.0525% | 6,275 |
| Return on Equity (ROE) | 0.9318% | 6,143 |
| Retained earnings to average equity (ytd only) | 0.9318% | 5,275 |
| Net charge-offs to loans | 1.4870% | 970 |
| Credit loss provision to net charge-offs | 122.9167% | 3,217 |
| Earnings coverage of net charge-offs (x) | 1.2742% | 4,102 |
| Efficiency ratio | 67.9925% | 4,968 |
| Assets per employee ($millions) | 3.1021% | 5,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 3,332 |
| Loan loss allowance to noncurrent loans | 45.7592% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 2.9225% | 1,947 |
| Noncurrent loans to loans | 3.1301% | 2,065 |
| Net loans and leases to total assets | 76.7615% | 2,099 |
| Net loans and leases to deposits | 91.5832% | 2,673 |
| Net loans and leases to core deposits | 116.6512% | 2,725 |
| Total domestic deposits to total assets | 83.8161% | 3,792 |
| Equity capital to assets | 10.5649% | 3,395 |
| Core capital (leverage) ratio | 10.5146% | 2,906 |
| Tier 1 risk-based capital ratio | 13.0198% | 4,171 |
| Total risk-based capital ratio | 14.2721% | 4,090 |
| Memoranda: | ||
| Average total assets | $814,736,500 | 868 |
| Average earning assets | $752,586,500 | 848 |
| Average equity | $77,700,000 | 847 |
| Average total loans | $645,589,000 | 767 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1289% | 865 |
| Cost of funding earning assets | 2.6256% | 3,553 |
| Net interest margin | 4.5033% | 1,412 |
| Noninterest income to average assets | 0.9034% | 1,947 |
| Noninterest expense to average assets | 3.3260% | 2,876 |
| Loan and lease loss provision to assets | 0.7194% | 2,056 |
| Net operating income to assets | 0.6379% | 4,155 |
| Return on assets (ROA) | 0.6502% | 3,957 |
| Pretax return on assets | 0.9751% | 3,471 |
| Return on Equity (ROE) | 7.7837% | 3,159 |
| Retained earnings to average equity (ytd only) | 7.4256% | 1,008 |
| Net charge-offs to loans | 0.6879% | 1,786 |
| Credit loss provision to net charge-offs | 130.6358% | 4,074 |
| Earnings coverage of net charge-offs (x) | 3.0435% | 4,563 |
| Efficiency ratio | 66.4936% | 5,022 |
| Assets per employee ($millions) | 3.0238% | 6,004 |
| Cash dividends to net income (ytd only)* | 4.6015% | 4,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 3,568 |
| Loan loss allowance to noncurrent loans | 53.9022% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 2.2116% | 2,207 |
| Noncurrent loans to loans | 2.4754% | 2,207 |
| Net loans and leases to total assets | 79.5604% | 1,759 |
| Net loans and leases to deposits | 93.9598% | 2,768 |
| Net loans and leases to core deposits | 119.7281% | 2,715 |
| Total domestic deposits to total assets | 84.6750% | 2,993 |
| Equity capital to assets | 8.4821% | 6,116 |
| Core capital (leverage) ratio | 8.3263% | 5,900 |
| Tier 1 risk-based capital ratio | 10.1115% | 6,619 |
| Total risk-based capital ratio | 11.3629% | 6,477 |
| Memoranda: | ||
| Average total assets | $785,391,200 | 861 |
| Average earning assets | $714,808,400 | 851 |
| Average equity | $65,611,200 | 1,018 |
| Average total loans | $628,707,000 | 759 |