Home > Farmers and Merchants Trust Company of Chambersburg > Performance and Condition Ratios
Farmers and Merchants Trust Company of Chambersburg, 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 | 4.8082% | 2,454 |
| Cost of funding earning assets | 1.3383% | 2,396 |
| Net interest margin | 3.4699% | 2,255 |
| Noninterest income to average assets | 0.9200% | 737 |
| Noninterest expense to average assets | 2.8926% | 1,291 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 0.9399% | 2,402 |
| Return on assets (ROA) | 0.8865% | 2,562 |
| Pretax return on assets | 1.0609% | 2,510 |
| Return on Equity (ROE) | 12.2500% | 1,899 |
| Retained earnings to average equity (ytd only) | 7.8498% | 1,589 |
| Net charge-offs to loans | 0.0153% | 2,090 |
| Credit loss provision to net charge-offs | 1,471.0227% | 301 |
| Earnings coverage of net charge-offs (x) | 128.0341% | 786 |
| Efficiency ratio | 69.3398% | 1,977 |
| Assets per employee ($millions) | 6.2005% | 2,638 |
| Cash dividends to net income (ytd only)* | 35.8986% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 1,894 |
| Loan loss allowance to noncurrent loans | 10,560.5263% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 3,732 |
| Noncurrent loans to loans | 0.0121% | 3,668 |
| Net loans and leases to total assets | 67.6200% | 2,083 |
| Net loans and leases to deposits | 80.1651% | 2,090 |
| Net loans and leases to core deposits | 83.0108% | 2,522 |
| Total domestic deposits to total assets | 84.3600% | 2,514 |
| Equity capital to assets | 7.6284% | 3,641 |
| Core capital (leverage) ratio | 9.4376% | 3,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6306% | 2,015 |
| Memoranda: | ||
| Average total assets | $1,761,826,200 | 636 |
| Average earning assets | $1,649,196,000 | 624 |
| Average equity | $127,545,200 | 779 |
| Average total loans | $1,147,779,600 | 658 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6708% | 2,534 |
| Cost of funding earning assets | 1.2036% | 2,421 |
| Net interest margin | 3.4672% | 2,283 |
| Noninterest income to average assets | 0.9300% | 718 |
| Noninterest expense to average assets | 2.8695% | 1,287 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 0.9584% | 2,489 |
| Return on assets (ROA) | 0.8873% | 2,713 |
| Pretax return on assets | 1.0665% | 2,667 |
| Return on Equity (ROE) | 12.4300% | 2,023 |
| Retained earnings to average equity (ytd only) | 7.9250% | 1,996 |
| Net charge-offs to loans | -0.0038% | 3,688 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.8187% | 1,930 |
| Assets per employee ($millions) | 6.1321% | 2,630 |
| Cash dividends to net income (ytd only)* | 36.2579% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2858% | 1,934 |
| Loan loss allowance to noncurrent loans | 6,840.5286% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 3,723 |
| Noncurrent loans to loans | 0.0188% | 3,631 |
| Net loans and leases to total assets | 65.2400% | 2,318 |
| Net loans and leases to deposits | 75.5329% | 2,458 |
| Net loans and leases to core deposits | 77.4313% | 2,772 |
| Total domestic deposits to total assets | 86.3700% | 2,077 |
| Equity capital to assets | 6.7034% | 3,755 |
| Core capital (leverage) ratio | 9.5343% | 3,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2805% | 1,799 |
| Memoranda: | ||
| Average total assets | $1,743,446,750 | 642 |
| Average earning assets | $1,630,554,250 | 630 |
| Average equity | $124,429,500 | 788 |
| Average total loans | $1,120,425,000 | 668 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5170% | 2,606 |
| Cost of funding earning assets | 1.0646% | 2,404 |
| Net interest margin | 3.4524% | 2,382 |
| Noninterest income to average assets | 0.9400% | 633 |
| Noninterest expense to average assets | 2.9134% | 1,187 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.9469% | 2,596 |
| Return on assets (ROA) | 0.8373% | 2,977 |
| Pretax return on assets | 1.0004% | 2,909 |
| Return on Equity (ROE) | 11.4800% | 2,303 |
| Retained earnings to average equity (ytd only) | 6.9831% | 2,286 |
| Net charge-offs to loans | 0.0027% | 2,247 |
| Credit loss provision to net charge-offs | 6,606.6667% | 90 |
| Earnings coverage of net charge-offs (x) | 717.4000% | 207 |
| Efficiency ratio | 69.8993% | 1,767 |
| Assets per employee ($millions) | 5.9463% | 2,758 |
| Cash dividends to net income (ytd only)* | 39.1952% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 2,031 |
| Loan loss allowance to noncurrent loans | 7,456.6327% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 3,734 |
| Noncurrent loans to loans | 0.0171% | 3,642 |
| Net loans and leases to total assets | 65.1200% | 2,265 |
| Net loans and leases to deposits | 74.1899% | 2,473 |
| Net loans and leases to core deposits | 75.4254% | 2,798 |
| Total domestic deposits to total assets | 87.7700% | 1,687 |
| Equity capital to assets | 7.3340% | 3,617 |
| Core capital (leverage) ratio | 9.6373% | 3,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5021% | 1,426 |
| Memoranda: | ||
| Average total assets | $1,715,470,000 | 637 |
| Average earning assets | $1,603,419,667 | 627 |
| Average equity | $125,073,667 | 781 |
| Average total loans | $1,091,352,667 | 666 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3078% | 2,780 |
| Cost of funding earning assets | 0.8743% | 2,457 |
| Net interest margin | 3.4335% | 2,549 |
| Noninterest income to average assets | 0.9000% | 683 |
| Noninterest expense to average assets | 2.8300% | 1,371 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.9728% | 2,614 |
| Return on assets (ROA) | 0.8542% | 2,953 |
| Pretax return on assets | 1.0128% | 2,953 |
| Return on Equity (ROE) | 11.7500% | 2,282 |
| Retained earnings to average equity (ytd only) | 7.2164% | 2,441 |
| Net charge-offs to loans | -0.0011% | 3,328 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.8881% | 1,872 |
| Assets per employee ($millions) | 5.8797% | 2,866 |
| Cash dividends to net income (ytd only)* | 38.5883% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3095% | 1,984 |
| Loan loss allowance to noncurrent loans | 6,242.9204% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 3,725 |
| Noncurrent loans to loans | 0.0210% | 3,627 |
| Net loans and leases to total assets | 62.1500% | 2,450 |
| Net loans and leases to deposits | 70.1711% | 2,596 |
| Net loans and leases to core deposits | 71.1276% | 2,875 |
| Total domestic deposits to total assets | 88.5700% | 1,712 |
| Equity capital to assets | 7.5498% | 3,535 |
| Core capital (leverage) ratio | 9.9167% | 2,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9902% | 1,373 |
| Memoranda: | ||
| Average total assets | $1,705,040,000 | 652 |
| Average earning assets | $1,592,083,000 | 638 |
| Average equity | $123,939,500 | 795 |
| Average total loans | $1,064,385,000 | 691 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4948% | 3,089 |
| Cost of funding earning assets | 0.2273% | 3,533 |
| Net interest margin | 3.2675% | 2,656 |
| Noninterest income to average assets | 0.8800% | 826 |
| Noninterest expense to average assets | 2.7723% | 1,371 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.9698% | 2,676 |
| Return on assets (ROA) | 0.9655% | 2,648 |
| Pretax return on assets | 1.1437% | 2,627 |
| Return on Equity (ROE) | 13.2300% | 1,729 |
| Retained earnings to average equity (ytd only) | 8.8759% | 1,518 |
| Net charge-offs to loans | 0.1498% | 549 |
| Credit loss provision to net charge-offs | 42.1804% | 1,849 |
| Earnings coverage of net charge-offs (x) | 13.7184% | 2,054 |
| Efficiency ratio | 70.0503% | 1,679 |
| Assets per employee ($millions) | 5.8589% | 2,897 |
| Cash dividends to net income (ytd only)* | 32.9268% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 1,690 |
| Loan loss allowance to noncurrent loans | 10,657.8947% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 3,825 |
| Noncurrent loans to loans | 0.0127% | 3,743 |
| Net loans and leases to total assets | 61.0400% | 2,549 |
| Net loans and leases to deposits | 66.2669% | 2,876 |
| Net loans and leases to core deposits | 66.6410% | 3,086 |
| Total domestic deposits to total assets | 92.1100% | 614 |
| Equity capital to assets | 6.9863% | 3,677 |
| Core capital (leverage) ratio | 9.2079% | 3,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8793% | 1,394 |
| Memoranda: | ||
| Average total assets | $1,783,533,600 | 613 |
| Average earning assets | $1,678,673,400 | 594 |
| Average equity | $130,128,000 | 752 |
| Average total loans | $1,028,923,000 | 662 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2266% | 3,368 |
| Cost of funding earning assets | 0.1319% | 4,017 |
| Net interest margin | 3.0947% | 2,950 |
| Noninterest income to average assets | 0.8800% | 864 |
| Noninterest expense to average assets | 2.6693% | 1,536 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9564% | 2,638 |
| Return on assets (ROA) | 0.9543% | 2,618 |
| Pretax return on assets | 1.1302% | 2,630 |
| Return on Equity (ROE) | 12.9500% | 1,714 |
| Retained earnings to average equity (ytd only) | 8.6745% | 1,764 |
| Net charge-offs to loans | 0.0100% | 1,749 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 199.1039% | 623 |
| Efficiency ratio | 70.2079% | 1,732 |
| Assets per employee ($millions) | 6.5958% | 2,242 |
| Cash dividends to net income (ytd only)* | 33.0185% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4264% | 1,520 |
| Loan loss allowance to noncurrent loans | 267.9957% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.3028% | 1,737 |
| Noncurrent loans to loans | 0.5322% | 1,471 |
| Net loans and leases to total assets | 56.0900% | 2,893 |
| Net loans and leases to deposits | 60.2367% | 3,179 |
| Net loans and leases to core deposits | 60.5242% | 3,345 |
| Total domestic deposits to total assets | 93.1100% | 556 |
| Equity capital to assets | 6.0640% | 3,941 |
| Core capital (leverage) ratio | 8.6275% | 3,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6146% | 1,529 |
| Memoranda: | ||
| Average total assets | $1,804,645,500 | 608 |
| Average earning assets | $1,702,097,750 | 591 |
| Average equity | $132,984,250 | 747 |
| Average total loans | $1,023,322,750 | 670 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0265% | 3,489 |
| Cost of funding earning assets | 0.1140% | 4,031 |
| Net interest margin | 2.9124% | 3,130 |
| Noninterest income to average assets | 0.9084% | 825 |
| Noninterest expense to average assets | 2.6559% | 1,492 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8604% | 2,732 |
| Return on assets (ROA) | 0.8586% | 2,716 |
| Pretax return on assets | 1.0058% | 2,708 |
| Return on Equity (ROE) | 10.9829% | 1,981 |
| Retained earnings to average equity (ytd only) | 6.9109% | 2,017 |
| Net charge-offs to loans | 0.0101% | 1,610 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 176.9412% | 581 |
| Efficiency ratio | 72.4895% | 1,691 |
| Assets per employee ($millions) | 6.4270% | 2,370 |
| Cash dividends to net income (ytd only)* | 37.0756% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4484% | 1,564 |
| Loan loss allowance to noncurrent loans | 262.4082% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.3124% | 1,760 |
| Noncurrent loans to loans | 0.5520% | 1,512 |
| Net loans and leases to total assets | 55.7767% | 2,779 |
| Net loans and leases to deposits | 60.2738% | 3,028 |
| Net loans and leases to core deposits | 60.5856% | 3,229 |
| Total domestic deposits to total assets | 92.5388% | 642 |
| Equity capital to assets | 6.7853% | 3,889 |
| Core capital (leverage) ratio | 8.5586% | 3,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5984% | 1,543 |
| Memoranda: | ||
| Average total assets | $1,790,583,333 | 609 |
| Average earning assets | $1,694,044,667 | 592 |
| Average equity | $139,981,667 | 722 |
| Average total loans | $1,014,145,000 | 667 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8590% | 3,629 |
| Cost of funding earning assets | 0.1103% | 4,006 |
| Net interest margin | 2.7487% | 3,284 |
| Noninterest income to average assets | 0.9078% | 828 |
| Noninterest expense to average assets | 2.5918% | 1,636 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7966% | 2,668 |
| Return on assets (ROA) | 0.7966% | 2,661 |
| Pretax return on assets | 0.9236% | 2,685 |
| Return on Equity (ROE) | 9.5380% | 2,140 |
| Retained earnings to average equity (ytd only) | 5.6958% | 2,354 |
| Net charge-offs to loans | 0.0064% | 1,524 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 255.4375% | 359 |
| Efficiency ratio | 73.7272% | 1,775 |
| Assets per employee ($millions) | 6.2869% | 2,571 |
| Cash dividends to net income (ytd only)* | 40.2837% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4988% | 1,554 |
| Loan loss allowance to noncurrent loans | 202.9396% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.4198% | 1,446 |
| Noncurrent loans to loans | 0.7386% | 1,291 |
| Net loans and leases to total assets | 55.9863% | 2,526 |
| Net loans and leases to deposits | 61.2751% | 2,779 |
| Net loans and leases to core deposits | 61.7771% | 2,990 |
| Total domestic deposits to total assets | 91.3689% | 863 |
| Equity capital to assets | 7.8173% | 3,714 |
| Core capital (leverage) ratio | 8.6461% | 3,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3000% | 1,424 |
| Memoranda: | ||
| Average total assets | $1,770,024,500 | 613 |
| Average earning assets | $1,679,175,000 | 596 |
| Average equity | $147,829,000 | 718 |
| Average total loans | $1,002,879,000 | 667 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1890% | 3,496 |
| Cost of funding earning assets | 0.1174% | 4,250 |
| Net interest margin | 3.0716% | 2,995 |
| Noninterest income to average assets | 1.1634% | 781 |
| Noninterest expense to average assets | 2.6786% | 1,693 |
| Loan and lease loss provision to assets | -0.1263% | 4,590 |
| Net operating income to assets | 1.2916% | 1,620 |
| Return on assets (ROA) | 1.2981% | 1,652 |
| Pretax return on assets | 1.5349% | 1,610 |
| Return on Equity (ROE) | 14.5289% | 1,064 |
| Retained earnings to average equity (ytd only) | 11.8027% | 557 |
| Net charge-offs to loans | -0.0373% | 4,195 |
| Credit loss provision to net charge-offs | 557.0292% | 759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6583% | 2,311 |
| Assets per employee ($millions) | 6.4254% | 2,393 |
| Cash dividends to net income (ytd only)* | 18.7639% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5041% | 1,538 |
| Loan loss allowance to noncurrent loans | 204.0358% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.4164% | 1,573 |
| Noncurrent loans to loans | 0.7372% | 1,377 |
| Net loans and leases to total assets | 55.6310% | 2,661 |
| Net loans and leases to deposits | 61.5788% | 2,931 |
| Net loans and leases to core deposits | 62.1669% | 3,147 |
| Total domestic deposits to total assets | 90.3411% | 785 |
| Equity capital to assets | 8.8843% | 3,733 |
| Core capital (leverage) ratio | 8.5673% | 3,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5524% | 1,374 |
| Memoranda: | ||
| Average total assets | $1,662,687,400 | 629 |
| Average earning assets | $1,578,522,800 | 605 |
| Average equity | $148,558,600 | 723 |
| Average total loans | $1,010,655,000 | 649 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2243% | 3,558 |
| Cost of funding earning assets | 0.1195% | 4,357 |
| Net interest margin | 3.1048% | 3,045 |
| Noninterest income to average assets | 1.2087% | 778 |
| Noninterest expense to average assets | 2.6303% | 1,753 |
| Loan and lease loss provision to assets | -0.1549% | 4,695 |
| Net operating income to assets | 1.4147% | 1,495 |
| Return on assets (ROA) | 1.4210% | 1,540 |
| Pretax return on assets | 1.6846% | 1,444 |
| Return on Equity (ROE) | 15.8792% | 973 |
| Retained earnings to average equity (ytd only) | 13.5554% | 566 |
| Net charge-offs to loans | -0.0628% | 4,442 |
| Credit loss provision to net charge-offs | 398.3229% | 856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3420% | 2,484 |
| Assets per employee ($millions) | 6.1198% | 2,571 |
| Cash dividends to net income (ytd only)* | 14.6341% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5031% | 1,619 |
| Loan loss allowance to noncurrent loans | 177.9502% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.4986% | 1,533 |
| Noncurrent loans to loans | 0.8447% | 1,351 |
| Net loans and leases to total assets | 58.1393% | 2,473 |
| Net loans and leases to deposits | 64.4420% | 2,806 |
| Net loans and leases to core deposits | 64.8466% | 3,057 |
| Total domestic deposits to total assets | 90.2196% | 673 |
| Equity capital to assets | 8.8498% | 3,957 |
| Core capital (leverage) ratio | 8.5706% | 3,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2279% | 1,562 |
| Memoranda: | ||
| Average total assets | $1,635,003,500 | 643 |
| Average earning assets | $1,550,263,000 | 625 |
| Average equity | $146,309,250 | 740 |
| Average total loans | $1,012,909,000 | 666 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2464% | 3,575 |
| Cost of funding earning assets | 0.1241% | 4,405 |
| Net interest margin | 3.1223% | 2,978 |
| Noninterest income to average assets | 1.0581% | 978 |
| Noninterest expense to average assets | 2.6150% | 1,818 |
| Loan and lease loss provision to assets | -0.2371% | 4,793 |
| Net operating income to assets | 1.3721% | 1,647 |
| Return on assets (ROA) | 1.3817% | 1,695 |
| Pretax return on assets | 1.6522% | 1,609 |
| Return on Equity (ROE) | 15.3790% | 1,071 |
| Retained earnings to average equity (ytd only) | 11.8370% | 954 |
| Net charge-offs to loans | -0.0329% | 4,196 |
| Credit loss provision to net charge-offs | 1,144.5783% | 435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0696% | 2,290 |
| Assets per employee ($millions) | 6.3747% | 2,255 |
| Cash dividends to net income (ytd only)* | 23.0311% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4986% | 1,596 |
| Loan loss allowance to noncurrent loans | 170.6529% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.5262% | 1,577 |
| Noncurrent loans to loans | 0.8782% | 1,399 |
| Net loans and leases to total assets | 59.0210% | 2,540 |
| Net loans and leases to deposits | 65.4892% | 2,867 |
| Net loans and leases to core deposits | 65.8623% | 3,121 |
| Total domestic deposits to total assets | 90.1232% | 710 |
| Equity capital to assets | 8.9431% | 3,839 |
| Core capital (leverage) ratio | 8.4558% | 4,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2783% | 1,535 |
| Memoranda: | ||
| Average total assets | $1,602,704,000 | 648 |
| Average earning assets | $1,519,730,000 | 626 |
| Average equity | $143,989,000 | 748 |
| Average total loans | $1,009,784,667 | 671 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3257% | 3,391 |
| Cost of funding earning assets | 0.1308% | 4,453 |
| Net interest margin | 3.1948% | 2,717 |
| Noninterest income to average assets | 1.0632% | 1,033 |
| Noninterest expense to average assets | 2.6819% | 1,664 |
| Loan and lease loss provision to assets | -0.2044% | 4,814 |
| Net operating income to assets | 1.3529% | 1,674 |
| Return on assets (ROA) | 1.3529% | 1,765 |
| Pretax return on assets | 1.6110% | 1,694 |
| Return on Equity (ROE) | 15.0224% | 1,207 |
| Retained earnings to average equity (ytd only) | 10.6257% | 1,487 |
| Net charge-offs to loans | -0.0581% | 4,455 |
| Credit loss provision to net charge-offs | 544.2177% | 572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5961% | 2,289 |
| Assets per employee ($millions) | 6.0052% | 2,599 |
| Cash dividends to net income (ytd only)* | 29.2674% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6046% | 1,284 |
| Loan loss allowance to noncurrent loans | 182.6166% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.5532% | 1,710 |
| Noncurrent loans to loans | 0.8787% | 1,537 |
| Net loans and leases to total assets | 61.9444% | 2,292 |
| Net loans and leases to deposits | 68.6435% | 2,630 |
| Net loans and leases to core deposits | 69.0515% | 2,963 |
| Total domestic deposits to total assets | 90.2407% | 701 |
| Equity capital to assets | 8.7109% | 3,954 |
| Core capital (leverage) ratio | 8.6533% | 3,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8890% | 1,606 |
| Memoranda: | ||
| Average total assets | $1,565,780,500 | 651 |
| Average earning assets | $1,482,651,000 | 635 |
| Average equity | $141,016,000 | 758 |
| Average total loans | $1,012,391,000 | 671 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8373% | 3,196 |
| Cost of funding earning assets | 0.2689% | 4,298 |
| Net interest margin | 3.5684% | 2,251 |
| Noninterest income to average assets | 0.9536% | 1,139 |
| Noninterest expense to average assets | 2.9165% | 1,641 |
| Loan and lease loss provision to assets | 0.3303% | 1,087 |
| Net operating income to assets | 1.0223% | 2,207 |
| Return on assets (ROA) | 1.0243% | 2,344 |
| Pretax return on assets | 1.0735% | 2,804 |
| Return on Equity (ROE) | 10.7541% | 1,722 |
| Retained earnings to average equity (ytd only) | 5.7756% | 1,916 |
| Net charge-offs to loans | -0.0200% | 4,428 |
| Credit loss provision to net charge-offs | -2,335.8586% | 4,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5383% | 2,291 |
| Assets per employee ($millions) | 5.6821% | 2,650 |
| Cash dividends to net income (ytd only)* | 46.2938% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6474% | 1,169 |
| Loan loss allowance to noncurrent loans | 192.0499% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.5698% | 1,848 |
| Noncurrent loans to loans | 0.8578% | 1,648 |
| Net loans and leases to total assets | 65.3358% | 2,179 |
| Net loans and leases to deposits | 72.9103% | 2,596 |
| Net loans and leases to core deposits | 73.3815% | 2,966 |
| Total domestic deposits to total assets | 89.6113% | 721 |
| Equity capital to assets | 9.3135% | 3,776 |
| Core capital (leverage) ratio | 8.5380% | 4,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3253% | 1,735 |
| Memoranda: | ||
| Average total assets | $1,400,068,800 | 658 |
| Average earning assets | $1,320,136,600 | 640 |
| Average equity | $133,353,400 | 750 |
| Average total loans | $988,950,200 | 649 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8631% | 3,376 |
| Cost of funding earning assets | 0.3038% | 4,300 |
| Net interest margin | 3.5593% | 2,394 |
| Noninterest income to average assets | 0.9801% | 1,059 |
| Noninterest expense to average assets | 2.9166% | 1,663 |
| Loan and lease loss provision to assets | 0.5220% | 549 |
| Net operating income to assets | 0.9167% | 2,636 |
| Return on assets (ROA) | 0.9142% | 2,772 |
| Pretax return on assets | 0.8915% | 3,399 |
| Return on Equity (ROE) | 9.5388% | 2,192 |
| Retained earnings to average equity (ytd only) | 4.3683% | 2,866 |
| Net charge-offs to loans | 0.0224% | 2,403 |
| Credit loss provision to net charge-offs | 3,242.4242% | 331 |
| Earnings coverage of net charge-offs (x) | 87.9576% | 866 |
| Efficiency ratio | 67.3175% | 2,278 |
| Assets per employee ($millions) | 5.2082% | 3,012 |
| Cash dividends to net income (ytd only)* | 54.2049% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6612% | 963 |
| Loan loss allowance to noncurrent loans | 180.3091% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.6298% | 1,851 |
| Noncurrent loans to loans | 0.9213% | 1,620 |
| Net loans and leases to total assets | 67.2220% | 2,357 |
| Net loans and leases to deposits | 74.8213% | 2,878 |
| Net loans and leases to core deposits | 75.3836% | 3,220 |
| Total domestic deposits to total assets | 89.8435% | 484 |
| Equity capital to assets | 9.1137% | 4,026 |
| Core capital (leverage) ratio | 8.6123% | 4,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2531% | 1,747 |
| Memoranda: | ||
| Average total assets | $1,366,544,250 | 657 |
| Average earning assets | $1,287,138,500 | 642 |
| Average equity | $130,970,750 | 751 |
| Average total loans | $981,400,250 | 642 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9910% | 3,350 |
| Cost of funding earning assets | 0.3623% | 4,213 |
| Net interest margin | 3.6287% | 2,385 |
| Noninterest income to average assets | 1.0525% | 897 |
| Noninterest expense to average assets | 3.0070% | 1,560 |
| Loan and lease loss provision to assets | 0.7546% | 340 |
| Net operating income to assets | 0.8315% | 2,934 |
| Return on assets (ROA) | 0.8300% | 3,056 |
| Pretax return on assets | 0.7001% | 3,869 |
| Return on Equity (ROE) | 8.5006% | 2,557 |
| Retained earnings to average equity (ytd only) | 2.6300% | 3,538 |
| Net charge-offs to loans | 0.0801% | 1,447 |
| Credit loss provision to net charge-offs | 1,288.8601% | 672 |
| Earnings coverage of net charge-offs (x) | 24.8731% | 1,566 |
| Efficiency ratio | 67.3724% | 2,325 |
| Assets per employee ($millions) | 4.8881% | 3,321 |
| Cash dividends to net income (ytd only)* | 69.0607% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6272% | 944 |
| Loan loss allowance to noncurrent loans | 397.8611% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.2925% | 3,145 |
| Noncurrent loans to loans | 0.4090% | 2,939 |
| Net loans and leases to total assets | 70.3605% | 1,974 |
| Net loans and leases to deposits | 78.5656% | 2,592 |
| Net loans and leases to core deposits | 79.1923% | 3,011 |
| Total domestic deposits to total assets | 89.5564% | 549 |
| Equity capital to assets | 9.3474% | 3,783 |
| Core capital (leverage) ratio | 9.0474% | 3,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6380% | 1,588 |
| Memoranda: | ||
| Average total assets | $1,318,600,667 | 661 |
| Average earning assets | $1,239,387,000 | 648 |
| Average equity | $128,744,000 | 760 |
| Average total loans | $964,381,667 | 642 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1389% | 3,405 |
| Cost of funding earning assets | 0.4757% | 4,043 |
| Net interest margin | 3.6632% | 2,456 |
| Noninterest income to average assets | 1.3105% | 522 |
| Noninterest expense to average assets | 3.1231% | 1,580 |
| Loan and lease loss provision to assets | 0.9474% | 232 |
| Net operating income to assets | 0.6698% | 3,370 |
| Return on assets (ROA) | 0.6666% | 3,450 |
| Pretax return on assets | 0.6729% | 3,767 |
| Return on Equity (ROE) | 6.6680% | 3,077 |
| Retained earnings to average equity (ytd only) | -1.1529% | 4,161 |
| Net charge-offs to loans | 0.1007% | 1,078 |
| Credit loss provision to net charge-offs | 1,271.1864% | 483 |
| Earnings coverage of net charge-offs (x) | 21.7839% | 1,381 |
| Efficiency ratio | 65.7974% | 2,996 |
| Assets per employee ($millions) | 4.4135% | 3,392 |
| Cash dividends to net income (ytd only)* | 117.2904% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5685% | 1,152 |
| Loan loss allowance to noncurrent loans | 397.6782% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.2934% | 3,278 |
| Noncurrent loans to loans | 0.3944% | 3,071 |
| Net loans and leases to total assets | 73.2335% | 1,741 |
| Net loans and leases to deposits | 82.6901% | 2,360 |
| Net loans and leases to core deposits | 83.4656% | 2,893 |
| Total domestic deposits to total assets | 88.5637% | 854 |
| Equity capital to assets | 10.0824% | 3,703 |
| Core capital (leverage) ratio | 9.7057% | 3,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7772% | 1,664 |
| Memoranda: | ||
| Average total assets | $1,266,680,000 | 657 |
| Average earning assets | $1,188,137,000 | 646 |
| Average equity | $126,635,500 | 762 |
| Average total loans | $937,876,000 | 637 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3622% | 3,359 |
| Cost of funding earning assets | 0.6087% | 3,604 |
| Net interest margin | 3.7535% | 2,652 |
| Noninterest income to average assets | 1.1812% | 677 |
| Noninterest expense to average assets | 3.0831% | 1,800 |
| Loan and lease loss provision to assets | 0.0190% | 3,637 |
| Net operating income to assets | 1.2921% | 1,724 |
| Return on assets (ROA) | 1.3087% | 1,735 |
| Pretax return on assets | 1.6085% | 1,463 |
| Return on Equity (ROE) | 13.3686% | 1,056 |
| Retained earnings to average equity (ytd only) | 6.2504% | 1,740 |
| Net charge-offs to loans | 0.0713% | 2,080 |
| Credit loss provision to net charge-offs | 34.5481% | 3,242 |
| Earnings coverage of net charge-offs (x) | 29.2799% | 1,606 |
| Efficiency ratio | 65.7370% | 2,813 |
| Assets per employee ($millions) | 4.4915% | 3,232 |
| Cash dividends to net income (ytd only)* | 53.2461% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2776% | 2,035 |
| Loan loss allowance to noncurrent loans | 306.4277% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.3072% | 3,199 |
| Noncurrent loans to loans | 0.4169% | 2,952 |
| Net loans and leases to total assets | 72.7448% | 1,957 |
| Net loans and leases to deposits | 82.1451% | 2,544 |
| Net loans and leases to core deposits | 82.9967% | 3,040 |
| Total domestic deposits to total assets | 88.5565% | 858 |
| Equity capital to assets | 9.9131% | 3,997 |
| Core capital (leverage) ratio | 9.5913% | 3,972 |
| Tier 1 risk-based capital ratio | 14.6169% | 2,953 |
| Total risk-based capital ratio | 15.8725% | 2,856 |
| Memoranda: | ||
| Average total assets | $1,249,929,800 | 634 |
| Average earning assets | $1,168,496,200 | 621 |
| Average equity | $122,361,000 | 747 |
| Average total loans | $962,612,400 | 598 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3945% | 3,374 |
| Cost of funding earning assets | 0.6169% | 3,602 |
| Net interest margin | 3.7776% | 2,663 |
| Noninterest income to average assets | 1.0575% | 823 |
| Noninterest expense to average assets | 3.0125% | 1,944 |
| Loan and lease loss provision to assets | 0.0254% | 3,389 |
| Net operating income to assets | 1.2405% | 2,050 |
| Return on assets (ROA) | 1.2624% | 2,056 |
| Pretax return on assets | 1.5752% | 1,717 |
| Return on Equity (ROE) | 12.9378% | 1,299 |
| Retained earnings to average equity (ytd only) | 4.4736% | 3,159 |
| Net charge-offs to loans | 0.0647% | 1,895 |
| Credit loss provision to net charge-offs | 50.4255% | 2,787 |
| Earnings coverage of net charge-offs (x) | 31.2469% | 1,587 |
| Efficiency ratio | 65.6933% | 2,769 |
| Assets per employee ($millions) | 4.6510% | 2,967 |
| Cash dividends to net income (ytd only)* | 65.4221% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2971% | 1,977 |
| Loan loss allowance to noncurrent loans | 247.4507% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.5848% | 2,249 |
| Noncurrent loans to loans | 0.5242% | 2,722 |
| Net loans and leases to total assets | 71.1804% | 2,292 |
| Net loans and leases to deposits | 79.9025% | 2,908 |
| Net loans and leases to core deposits | 80.6156% | 3,342 |
| Total domestic deposits to total assets | 89.0841% | 583 |
| Equity capital to assets | 9.5512% | 4,419 |
| Core capital (leverage) ratio | 9.2802% | 4,393 |
| Tier 1 risk-based capital ratio | 14.2659% | 3,191 |
| Total risk-based capital ratio | 15.5218% | 3,089 |
| Memoranda: | ||
| Average total assets | $1,244,640,750 | 639 |
| Average earning assets | $1,162,473,500 | 623 |
| Average equity | $121,450,250 | 750 |
| Average total loans | $969,111,750 | 594 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4022% | 3,326 |
| Cost of funding earning assets | 0.6104% | 3,597 |
| Net interest margin | 3.7918% | 2,605 |
| Noninterest income to average assets | 1.0569% | 773 |
| Noninterest expense to average assets | 3.1129% | 1,694 |
| Loan and lease loss provision to assets | 0.0651% | 2,515 |
| Net operating income to assets | 1.1216% | 2,438 |
| Return on assets (ROA) | 1.1542% | 2,383 |
| Pretax return on assets | 1.4607% | 1,989 |
| Return on Equity (ROE) | 11.7404% | 1,679 |
| Retained earnings to average equity (ytd only) | 4.7347% | 2,895 |
| Net charge-offs to loans | 0.0533% | 1,879 |
| Credit loss provision to net charge-offs | 152.8736% | 1,464 |
| Earnings coverage of net charge-offs (x) | 34.8506% | 1,343 |
| Efficiency ratio | 67.7092% | 2,585 |
| Assets per employee ($millions) | 4.6046% | 2,998 |
| Cash dividends to net income (ytd only)* | 59.6719% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 2,110 |
| Loan loss allowance to noncurrent loans | 221.3152% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.6672% | 2,052 |
| Noncurrent loans to loans | 0.5769% | 2,531 |
| Net loans and leases to total assets | 77.4962% | 1,315 |
| Net loans and leases to deposits | 87.1954% | 2,104 |
| Net loans and leases to core deposits | 87.8673% | 2,812 |
| Total domestic deposits to total assets | 88.8765% | 716 |
| Equity capital to assets | 9.7964% | 4,142 |
| Core capital (leverage) ratio | 9.5219% | 4,120 |
| Tier 1 risk-based capital ratio | 13.7686% | 3,442 |
| Total risk-based capital ratio | 15.0245% | 3,329 |
| Memoranda: | ||
| Average total assets | $1,225,430,670 | 645 |
| Average earning assets | $1,144,197,000 | 635 |
| Average equity | $120,472,670 | 744 |
| Average total loans | $979,101,000 | 587 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3675% | 3,350 |
| Cost of funding earning assets | 0.5864% | 3,646 |
| Net interest margin | 3.7811% | 2,597 |
| Noninterest income to average assets | 1.0212% | 758 |
| Noninterest expense to average assets | 3.1088% | 1,715 |
| Loan and lease loss provision to assets | 0.1317% | 1,324 |
| Net operating income to assets | 1.1433% | 2,300 |
| Return on assets (ROA) | 1.1502% | 2,317 |
| Pretax return on assets | 1.3196% | 2,378 |
| Return on Equity (ROE) | 11.6788% | 1,662 |
| Retained earnings to average equity (ytd only) | 5.6970% | 2,594 |
| Net charge-offs to loans | 0.0544% | 1,507 |
| Credit loss provision to net charge-offs | 300.0000% | 819 |
| Earnings coverage of net charge-offs (x) | 32.8797% | 1,275 |
| Efficiency ratio | 68.2932% | 2,599 |
| Assets per employee ($millions) | 4.5628% | 3,098 |
| Cash dividends to net income (ytd only)* | 51.2195% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 2,123 |
| Loan loss allowance to noncurrent loans | 217.2520% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.7021% | 2,005 |
| Noncurrent loans to loans | 0.5952% | 2,555 |
| Net loans and leases to total assets | 79.7550% | 871 |
| Net loans and leases to deposits | 89.8976% | 1,647 |
| Net loans and leases to core deposits | 91.4199% | 2,354 |
| Total domestic deposits to total assets | 88.7176% | 990 |
| Equity capital to assets | 9.9499% | 3,872 |
| Core capital (leverage) ratio | 9.8170% | 3,798 |
| Tier 1 risk-based capital ratio | 13.6909% | 3,499 |
| Total risk-based capital ratio | 14.9471% | 3,411 |
| Memoranda: | ||
| Average total assets | $1,211,924,000 | 657 |
| Average earning assets | $1,131,731,500 | 646 |
| Average equity | $119,361,500 | 748 |
| Average total loans | $977,077,000 | 589 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1737% | 3,514 |
| Cost of funding earning assets | 0.3795% | 4,109 |
| Net interest margin | 3.7942% | 2,677 |
| Noninterest income to average assets | 1.0363% | 876 |
| Noninterest expense to average assets | 3.1532% | 1,667 |
| Loan and lease loss provision to assets | 0.8393% | 117 |
| Net operating income to assets | 0.5931% | 4,433 |
| Return on assets (ROA) | 0.5978% | 4,434 |
| Pretax return on assets | 0.6014% | 4,626 |
| Return on Equity (ROE) | 6.1944% | 4,112 |
| Retained earnings to average equity (ytd only) | 3.3471% | 3,739 |
| Net charge-offs to loans | 0.9720% | 153 |
| Credit loss provision to net charge-offs | 106.6767% | 2,398 |
| Earnings coverage of net charge-offs (x) | 1.8251% | 3,587 |
| Efficiency ratio | 68.7098% | 2,432 |
| Assets per employee ($millions) | 4.6366% | 2,977 |
| Cash dividends to net income (ytd only)* | 45.9661% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2753% | 2,164 |
| Loan loss allowance to noncurrent loans | 467.2563% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.4413% | 2,801 |
| Noncurrent loans to loans | 0.2729% | 3,598 |
| Net loans and leases to total assets | 79.4177% | 1,035 |
| Net loans and leases to deposits | 88.7602% | 1,957 |
| Net loans and leases to core deposits | 89.2160% | 2,628 |
| Total domestic deposits to total assets | 89.4744% | 672 |
| Equity capital to assets | 9.7477% | 3,907 |
| Core capital (leverage) ratio | 9.6761% | 3,923 |
| Tier 1 risk-based capital ratio | 13.8004% | 3,385 |
| Total risk-based capital ratio | 15.0567% | 3,311 |
| Memoranda: | ||
| Average total assets | $1,185,966,800 | 645 |
| Average earning assets | $1,110,524,600 | 639 |
| Average equity | $114,458,000 | 746 |
| Average total loans | $960,019,000 | 579 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1114% | 3,597 |
| Cost of funding earning assets | 0.3462% | 4,204 |
| Net interest margin | 3.7652% | 2,773 |
| Noninterest income to average assets | 1.0432% | 872 |
| Noninterest expense to average assets | 3.2068% | 1,504 |
| Loan and lease loss provision to assets | 1.0824% | 74 |
| Net operating income to assets | 0.3400% | 5,043 |
| Return on assets (ROA) | 0.3463% | 5,033 |
| Pretax return on assets | 0.2874% | 5,148 |
| Return on Equity (ROE) | 3.5979% | 4,906 |
| Retained earnings to average equity (ytd only) | 0.9461% | 4,867 |
| Net charge-offs to loans | 1.2327% | 106 |
| Credit loss provision to net charge-offs | 108.2985% | 2,133 |
| Earnings coverage of net charge-offs (x) | 1.3642% | 3,354 |
| Efficiency ratio | 70.1669% | 2,164 |
| Assets per employee ($millions) | 4.5439% | 3,051 |
| Cash dividends to net income (ytd only)* | 73.7031% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2886% | 2,150 |
| Loan loss allowance to noncurrent loans | 221.0731% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.6971% | 2,112 |
| Noncurrent loans to loans | 0.5829% | 2,629 |
| Net loans and leases to total assets | 80.2923% | 972 |
| Net loans and leases to deposits | 89.4997% | 1,960 |
| Net loans and leases to core deposits | 90.2932% | 2,635 |
| Total domestic deposits to total assets | 89.7124% | 594 |
| Equity capital to assets | 9.4999% | 4,079 |
| Core capital (leverage) ratio | 9.4800% | 4,199 |
| Tier 1 risk-based capital ratio | 13.4227% | 3,670 |
| Total risk-based capital ratio | 14.6790% | 3,586 |
| Memoranda: | ||
| Average total assets | $1,179,919,500 | 646 |
| Average earning assets | $1,105,279,750 | 639 |
| Average equity | $113,582,000 | 751 |
| Average total loans | $956,650,500 | 578 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0449% | 3,630 |
| Cost of funding earning assets | 0.3174% | 4,289 |
| Net interest margin | 3.7275% | 2,835 |
| Noninterest income to average assets | 1.0442% | 884 |
| Noninterest expense to average assets | 3.3701% | 1,181 |
| Loan and lease loss provision to assets | 1.5881% | 43 |
| Net operating income to assets | -0.2076% | 5,397 |
| Return on assets (ROA) | -0.2007% | 5,392 |
| Pretax return on assets | -0.4092% | 5,420 |
| Return on Equity (ROE) | -2.0757% | 5,400 |
| Retained earnings to average equity (ytd only) | -5.1127% | 5,299 |
| Net charge-offs to loans | 1.8158% | 61 |
| Credit loss provision to net charge-offs | 107.9870% | 1,917 |
| Earnings coverage of net charge-offs (x) | 0.7957% | 3,102 |
| Efficiency ratio | 74.2267% | 1,676 |
| Assets per employee ($millions) | 4.5172% | 3,105 |
| Cash dividends to net income (ytd only)* | -146.3104% | 5,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 2,216 |
| Loan loss allowance to noncurrent loans | 216.9651% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.7167% | 2,086 |
| Noncurrent loans to loans | 0.5945% | 2,638 |
| Net loans and leases to total assets | 81.3359% | 804 |
| Net loans and leases to deposits | 90.2636% | 1,802 |
| Net loans and leases to core deposits | 91.0726% | 2,477 |
| Total domestic deposits to total assets | 90.1094% | 532 |
| Equity capital to assets | 9.3936% | 4,193 |
| Core capital (leverage) ratio | 9.2430% | 4,422 |
| Tier 1 risk-based capital ratio | 13.1348% | 3,829 |
| Total risk-based capital ratio | 14.3915% | 3,738 |
| Memoranda: | ||
| Average total assets | $1,174,877,670 | 652 |
| Average earning assets | $1,101,917,330 | 639 |
| Average equity | $113,600,000 | 750 |
| Average total loans | $951,515,670 | 584 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9395% | 3,816 |
| Cost of funding earning assets | 0.2888% | 4,426 |
| Net interest margin | 3.6507% | 2,986 |
| Noninterest income to average assets | 1.0280% | 860 |
| Noninterest expense to average assets | 2.9431% | 2,217 |
| Loan and lease loss provision to assets | 0.0681% | 2,403 |
| Net operating income to assets | 1.2568% | 1,784 |
| Return on assets (ROA) | 1.2568% | 1,795 |
| Pretax return on assets | 1.4382% | 1,870 |
| Return on Equity (ROE) | 12.8153% | 1,316 |
| Retained earnings to average equity (ytd only) | 9.1880% | 1,400 |
| Net charge-offs to loans | 0.0013% | 2,693 |
| Credit loss provision to net charge-offs | 6,666.6667% | 46 |
| Earnings coverage of net charge-offs (x) | 1,475.0000% | 37 |
| Efficiency ratio | 66.1464% | 3,135 |
| Assets per employee ($millions) | 4.6408% | 2,942 |
| Cash dividends to net income (ytd only)* | 28.3044% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 2,390 |
| Loan loss allowance to noncurrent loans | 446.0193% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.4515% | 3,039 |
| Noncurrent loans to loans | 0.2852% | 3,750 |
| Net loans and leases to total assets | 79.5798% | 999 |
| Net loans and leases to deposits | 89.8989% | 1,706 |
| Net loans and leases to core deposits | 106.5395% | 1,199 |
| Total domestic deposits to total assets | 88.5214% | 1,344 |
| Equity capital to assets | 9.9317% | 3,665 |
| Core capital (leverage) ratio | 9.8561% | 3,702 |
| Tier 1 risk-based capital ratio | 14.1582% | 3,300 |
| Total risk-based capital ratio | 15.4111% | 3,220 |
| Memoranda: | ||
| Average total assets | $1,175,079,000 | 658 |
| Average earning assets | $1,101,268,000 | 644 |
| Average equity | $115,237,000 | 740 |
| Average total loans | $943,397,500 | 590 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8440% | 3,903 |
| Cost of funding earning assets | 0.2314% | 4,720 |
| Net interest margin | 3.6126% | 3,125 |
| Noninterest income to average assets | 1.0311% | 961 |
| Noninterest expense to average assets | 3.7608% | 732 |
| Loan and lease loss provision to assets | 0.0583% | 3,066 |
| Net operating income to assets | 0.2554% | 5,013 |
| Return on assets (ROA) | 0.2555% | 5,027 |
| Pretax return on assets | 0.5962% | 4,748 |
| Return on Equity (ROE) | 2.4663% | 4,961 |
| Retained earnings to average equity (ytd only) | -0.2437% | 5,070 |
| Net charge-offs to loans | -0.0052% | 4,647 |
| Credit loss provision to net charge-offs | -1,425.5319% | 5,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1804% | 691 |
| Assets per employee ($millions) | 4.6301% | 2,981 |
| Cash dividends to net income (ytd only)* | 109.8807% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 2,480 |
| Loan loss allowance to noncurrent loans | 440.8224% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.4466% | 3,081 |
| Noncurrent loans to loans | 0.2833% | 3,767 |
| Net loans and leases to total assets | 78.9669% | 1,127 |
| Net loans and leases to deposits | 89.0111% | 1,893 |
| Net loans and leases to core deposits | 105.4606% | 1,306 |
| Total domestic deposits to total assets | 88.7158% | 1,136 |
| Equity capital to assets | 9.6829% | 4,051 |
| Core capital (leverage) ratio | 9.6446% | 3,872 |
| Tier 1 risk-based capital ratio | 13.9332% | 3,398 |
| Total risk-based capital ratio | 15.1860% | 3,310 |
| Memoranda: | ||
| Average total assets | $1,148,560,200 | 647 |
| Average earning assets | $1,075,879,000 | 632 |
| Average equity | $119,003,200 | 693 |
| Average total loans | $911,347,000 | 583 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8247% | 3,921 |
| Cost of funding earning assets | 0.2244% | 4,777 |
| Net interest margin | 3.6004% | 3,149 |
| Noninterest income to average assets | 1.0243% | 973 |
| Noninterest expense to average assets | 2.8501% | 2,564 |
| Loan and lease loss provision to assets | 0.0491% | 3,112 |
| Net operating income to assets | 1.1770% | 1,788 |
| Return on assets (ROA) | 1.1773% | 1,829 |
| Pretax return on assets | 1.5000% | 1,768 |
| Return on Equity (ROE) | 11.1736% | 1,618 |
| Retained earnings to average equity (ytd only) | 8.7050% | 946 |
| Net charge-offs to loans | -0.0071% | 4,539 |
| Credit loss provision to net charge-offs | -875.0000% | 4,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7922% | 3,404 |
| Assets per employee ($millions) | 4.5026% | 3,142 |
| Cash dividends to net income (ytd only)* | 22.0931% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2657% | 2,546 |
| Loan loss allowance to noncurrent loans | 369.3760% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.4934% | 3,085 |
| Noncurrent loans to loans | 0.3427% | 3,715 |
| Net loans and leases to total assets | 77.2112% | 1,395 |
| Net loans and leases to deposits | 87.1267% | 2,167 |
| Net loans and leases to core deposits | 104.3096% | 1,371 |
| Total domestic deposits to total assets | 88.6195% | 1,058 |
| Equity capital to assets | 10.6491% | 3,216 |
| Core capital (leverage) ratio | 10.3378% | 3,154 |
| Tier 1 risk-based capital ratio | 15.5597% | 2,685 |
| Total risk-based capital ratio | 16.8237% | 2,621 |
| Memoranda: | ||
| Average total assets | $1,140,529,000 | 656 |
| Average earning assets | $1,068,978,500 | 637 |
| Average equity | $120,172,750 | 686 |
| Average total loans | $903,148,250 | 590 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8198% | 3,828 |
| Cost of funding earning assets | 0.2209% | 4,795 |
| Net interest margin | 3.5989% | 3,048 |
| Noninterest income to average assets | 1.0355% | 949 |
| Noninterest expense to average assets | 2.8370% | 2,629 |
| Loan and lease loss provision to assets | 0.0300% | 3,400 |
| Net operating income to assets | 1.2015% | 1,594 |
| Return on assets (ROA) | 1.2018% | 1,627 |
| Pretax return on assets | 1.5398% | 1,527 |
| Return on Equity (ROE) | 11.4478% | 1,478 |
| Retained earnings to average equity (ytd only) | 9.4619% | 720 |
| Net charge-offs to loans | -0.0138% | 4,640 |
| Credit loss provision to net charge-offs | -274.1935% | 4,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3825% | 3,610 |
| Assets per employee ($millions) | 4.5592% | 3,017 |
| Cash dividends to net income (ytd only)* | 17.3478% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2532% | 2,669 |
| Loan loss allowance to noncurrent loans | 361.7083% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.5498% | 2,930 |
| Noncurrent loans to loans | 0.3465% | 3,794 |
| Net loans and leases to total assets | 78.4812% | 1,167 |
| Net loans and leases to deposits | 88.4157% | 1,933 |
| Net loans and leases to core deposits | 106.6336% | 1,183 |
| Total domestic deposits to total assets | 88.7639% | 1,071 |
| Equity capital to assets | 10.7492% | 3,079 |
| Core capital (leverage) ratio | 10.3460% | 3,080 |
| Tier 1 risk-based capital ratio | 15.4591% | 2,721 |
| Total risk-based capital ratio | 16.7236% | 2,651 |
| Memoranda: | ||
| Average total assets | $1,131,983,000 | 659 |
| Average earning assets | $1,060,275,670 | 641 |
| Average equity | $118,835,000 | 696 |
| Average total loans | $900,212,670 | 593 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7217% | 4,044 |
| Cost of funding earning assets | 0.2198% | 4,806 |
| Net interest margin | 3.5019% | 3,268 |
| Noninterest income to average assets | 1.0163% | 972 |
| Noninterest expense to average assets | 2.8026% | 2,780 |
| Loan and lease loss provision to assets | 0.0425% | 2,951 |
| Net operating income to assets | 1.1361% | 1,726 |
| Return on assets (ROA) | 1.1366% | 1,760 |
| Pretax return on assets | 1.4473% | 1,704 |
| Return on Equity (ROE) | 10.9589% | 1,583 |
| Retained earnings to average equity (ytd only) | 9.2529% | 998 |
| Net charge-offs to loans | -0.0369% | 5,034 |
| Credit loss provision to net charge-offs | -144.5783% | 4,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3034% | 3,615 |
| Assets per employee ($millions) | 4.5283% | 3,119 |
| Cash dividends to net income (ytd only)* | 15.5666% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 2,844 |
| Loan loss allowance to noncurrent loans | 214.2884% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.7400% | 2,450 |
| Noncurrent loans to loans | 0.5822% | 3,066 |
| Net loans and leases to total assets | 78.8543% | 1,004 |
| Net loans and leases to deposits | 88.6439% | 1,716 |
| Net loans and leases to core deposits | 105.4469% | 1,141 |
| Total domestic deposits to total assets | 88.9563% | 1,162 |
| Equity capital to assets | 10.4890% | 3,197 |
| Core capital (leverage) ratio | 10.2458% | 3,202 |
| Tier 1 risk-based capital ratio | 14.9127% | 3,008 |
| Total risk-based capital ratio | 16.1751% | 2,929 |
| Memoranda: | ||
| Average total assets | $1,130,360,000 | 667 |
| Average earning assets | $1,057,256,500 | 646 |
| Average equity | $117,238,500 | 702 |
| Average total loans | $899,195,000 | 596 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8054% | 3,897 |
| Cost of funding earning assets | 0.2221% | 4,815 |
| Net interest margin | 3.5833% | 3,127 |
| Noninterest income to average assets | 0.9434% | 1,285 |
| Noninterest expense to average assets | 2.9748% | 2,423 |
| Loan and lease loss provision to assets | 0.3476% | 492 |
| Net operating income to assets | 0.8079% | 3,271 |
| Return on assets (ROA) | 0.8065% | 3,380 |
| Pretax return on assets | 0.9541% | 3,638 |
| Return on Equity (ROE) | 7.6285% | 3,153 |
| Retained earnings to average equity (ytd only) | 4.1392% | 2,961 |
| Net charge-offs to loans | 0.3344% | 825 |
| Credit loss provision to net charge-offs | 135.4989% | 2,004 |
| Earnings coverage of net charge-offs (x) | 5.0804% | 3,392 |
| Efficiency ratio | 69.5338% | 2,988 |
| Assets per employee ($millions) | 4.5694% | 3,017 |
| Cash dividends to net income (ytd only)* | 45.7410% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2382% | 2,886 |
| Loan loss allowance to noncurrent loans | 203.5471% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.9176% | 2,070 |
| Noncurrent loans to loans | 0.6083% | 3,026 |
| Net loans and leases to total assets | 78.2661% | 1,165 |
| Net loans and leases to deposits | 89.8638% | 1,701 |
| Net loans and leases to core deposits | 106.1345% | 1,121 |
| Total domestic deposits to total assets | 87.0941% | 2,087 |
| Equity capital to assets | 10.2543% | 3,445 |
| Core capital (leverage) ratio | 10.0233% | 3,459 |
| Tier 1 risk-based capital ratio | 14.2860% | 3,291 |
| Total risk-based capital ratio | 15.5455% | 3,219 |
| Memoranda: | ||
| Average total assets | $1,085,937,800 | 662 |
| Average earning assets | $1,010,617,400 | 656 |
| Average equity | $114,805,600 | 700 |
| Average total loans | $833,220,600 | 607 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7987% | 3,924 |
| Cost of funding earning assets | 0.2208% | 4,877 |
| Net interest margin | 3.5778% | 3,167 |
| Noninterest income to average assets | 1.0520% | 1,024 |
| Noninterest expense to average assets | 2.9323% | 2,534 |
| Loan and lease loss provision to assets | 0.4123% | 346 |
| Net operating income to assets | 0.8574% | 3,111 |
| Return on assets (ROA) | 0.8547% | 3,258 |
| Pretax return on assets | 1.0314% | 3,512 |
| Return on Equity (ROE) | 8.0214% | 2,988 |
| Retained earnings to average equity (ytd only) | 4.5233% | 3,118 |
| Net charge-offs to loans | 0.4444% | 479 |
| Credit loss provision to net charge-offs | 121.9736% | 2,065 |
| Earnings coverage of net charge-offs (x) | 4.2806% | 3,291 |
| Efficiency ratio | 66.9593% | 3,431 |
| Assets per employee ($millions) | 4.5800% | 2,954 |
| Cash dividends to net income (ytd only)* | 43.6094% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 2,993 |
| Loan loss allowance to noncurrent loans | 180.0034% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 1.0654% | 1,931 |
| Noncurrent loans to loans | 0.6911% | 2,959 |
| Net loans and leases to total assets | 76.5330% | 1,434 |
| Net loans and leases to deposits | 86.6389% | 2,194 |
| Net loans and leases to core deposits | 103.8843% | 1,350 |
| Total domestic deposits to total assets | 88.3356% | 1,222 |
| Equity capital to assets | 10.5142% | 3,548 |
| Core capital (leverage) ratio | 10.0260% | 3,541 |
| Tier 1 risk-based capital ratio | 14.5328% | 3,274 |
| Total risk-based capital ratio | 15.7899% | 3,204 |
| Memoranda: | ||
| Average total assets | $1,075,263,750 | 666 |
| Average earning assets | $999,943,000 | 663 |
| Average equity | $114,573,750 | 702 |
| Average total loans | $817,922,500 | 619 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8156% | 3,899 |
| Cost of funding earning assets | 0.2211% | 4,924 |
| Net interest margin | 3.5945% | 3,119 |
| Noninterest income to average assets | 1.0595% | 997 |
| Noninterest expense to average assets | 2.9277% | 2,591 |
| Loan and lease loss provision to assets | 0.4087% | 371 |
| Net operating income to assets | 0.8746% | 2,987 |
| Return on assets (ROA) | 0.8720% | 3,104 |
| Pretax return on assets | 1.0592% | 3,367 |
| Return on Equity (ROE) | 8.1461% | 2,915 |
| Retained earnings to average equity (ytd only) | 5.0720% | 2,685 |
| Net charge-offs to loans | 0.4832% | 456 |
| Credit loss provision to net charge-offs | 111.9403% | 1,945 |
| Earnings coverage of net charge-offs (x) | 4.0288% | 3,026 |
| Efficiency ratio | 66.5570% | 3,595 |
| Assets per employee ($millions) | 4.3757% | 3,258 |
| Cash dividends to net income (ytd only)* | 37.7371% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 3,088 |
| Loan loss allowance to noncurrent loans | 124.6587% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 1.3335% | 1,503 |
| Noncurrent loans to loans | 1.0007% | 2,287 |
| Net loans and leases to total assets | 75.2709% | 1,597 |
| Net loans and leases to deposits | 84.5553% | 2,401 |
| Net loans and leases to core deposits | 102.6092% | 1,428 |
| Total domestic deposits to total assets | 89.0198% | 910 |
| Equity capital to assets | 10.6644% | 3,449 |
| Core capital (leverage) ratio | 10.1685% | 3,368 |
| Tier 1 risk-based capital ratio | 14.5911% | 3,263 |
| Total risk-based capital ratio | 15.8473% | 3,198 |
| Memoranda: | ||
| Average total assets | $1,064,233,000 | 676 |
| Average earning assets | $988,667,670 | 670 |
| Average equity | $113,920,000 | 708 |
| Average total loans | $804,249,000 | 622 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8931% | 3,613 |
| Cost of funding earning assets | 0.2236% | 4,964 |
| Net interest margin | 3.6695% | 2,804 |
| Noninterest income to average assets | 1.0765% | 932 |
| Noninterest expense to average assets | 2.9722% | 2,474 |
| Loan and lease loss provision to assets | 0.1139% | 1,838 |
| Net operating income to assets | 1.0997% | 1,901 |
| Return on assets (ROA) | 1.0940% | 2,024 |
| Pretax return on assets | 1.3844% | 1,946 |
| Return on Equity (ROE) | 10.2003% | 1,902 |
| Retained earnings to average equity (ytd only) | 8.4307% | 1,289 |
| Net charge-offs to loans | 0.0222% | 2,487 |
| Credit loss provision to net charge-offs | 681.8182% | 491 |
| Earnings coverage of net charge-offs (x) | 90.1364% | 580 |
| Efficiency ratio | 66.3784% | 3,739 |
| Assets per employee ($millions) | 4.5002% | 3,067 |
| Cash dividends to net income (ytd only)* | 17.3491% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2877% | 2,974 |
| Loan loss allowance to noncurrent loans | 99.8359% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.5583% | 1,288 |
| Noncurrent loans to loans | 1.2898% | 1,871 |
| Net loans and leases to total assets | 74.0191% | 1,725 |
| Net loans and leases to deposits | 83.3580% | 2,385 |
| Net loans and leases to core deposits | 100.0685% | 1,480 |
| Total domestic deposits to total assets | 88.7967% | 1,210 |
| Equity capital to assets | 10.6958% | 3,265 |
| Core capital (leverage) ratio | 10.3907% | 3,084 |
| Tier 1 risk-based capital ratio | 14.6515% | 3,310 |
| Total risk-based capital ratio | 15.9076% | 3,252 |
| Memoranda: | ||
| Average total assets | $1,053,759,500 | 678 |
| Average earning assets | $976,693,500 | 677 |
| Average equity | $113,016,000 | 709 |
| Average total loans | $792,802,000 | 624 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8247% | 3,965 |
| Cost of funding earning assets | 0.2504% | 4,781 |
| Net interest margin | 3.5743% | 3,229 |
| Noninterest income to average assets | 1.0743% | 1,021 |
| Noninterest expense to average assets | 3.0245% | 2,464 |
| Loan and lease loss provision to assets | 0.1255% | 1,919 |
| Net operating income to assets | 0.9880% | 2,427 |
| Return on assets (ROA) | 1.0439% | 2,239 |
| Pretax return on assets | 1.2976% | 2,298 |
| Return on Equity (ROE) | 10.0035% | 2,008 |
| Retained earnings to average equity (ytd only) | 9.7228% | 500 |
| Net charge-offs to loans | 0.0415% | 3,389 |
| Credit loss provision to net charge-offs | 414.5161% | 740 |
| Earnings coverage of net charge-offs (x) | 44.7032% | 1,083 |
| Efficiency ratio | 68.6853% | 3,452 |
| Assets per employee ($millions) | 4.1459% | 3,666 |
| Cash dividends to net income (ytd only)* | 2.8061% | 4,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2890% | 2,969 |
| Loan loss allowance to noncurrent loans | 175.7755% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 1.1760% | 1,850 |
| Noncurrent loans to loans | 0.7333% | 2,981 |
| Net loans and leases to total assets | 74.5217% | 1,642 |
| Net loans and leases to deposits | 84.0637% | 2,353 |
| Net loans and leases to core deposits | 98.2930% | 1,647 |
| Total domestic deposits to total assets | 88.6490% | 1,308 |
| Equity capital to assets | 10.7552% | 3,070 |
| Core capital (leverage) ratio | 10.3721% | 3,084 |
| Tier 1 risk-based capital ratio | 14.7638% | 3,296 |
| Total risk-based capital ratio | 16.0200% | 3,227 |
| Memoranda: | ||
| Average total assets | $1,024,111,600 | 670 |
| Average earning assets | $946,490,400 | 669 |
| Average equity | $106,872,800 | 724 |
| Average total loans | $747,705,600 | 628 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8157% | 4,039 |
| Cost of funding earning assets | 0.2561% | 4,806 |
| Net interest margin | 3.5596% | 3,306 |
| Noninterest income to average assets | 1.0818% | 1,027 |
| Noninterest expense to average assets | 2.9948% | 2,543 |
| Loan and lease loss provision to assets | 0.1352% | 1,658 |
| Net operating income to assets | 0.9974% | 2,483 |
| Return on assets (ROA) | 1.0722% | 2,218 |
| Pretax return on assets | 1.3378% | 2,254 |
| Return on Equity (ROE) | 10.3552% | 1,946 |
| Retained earnings to average equity (ytd only) | 10.3552% | 578 |
| Net charge-offs to loans | 0.0493% | 2,910 |
| Credit loss provision to net charge-offs | 379.1209% | 794 |
| Earnings coverage of net charge-offs (x) | 38.6961% | 1,280 |
| Efficiency ratio | 67.9235% | 3,557 |
| Assets per employee ($millions) | 4.1642% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2805% | 3,203 |
| Loan loss allowance to noncurrent loans | 160.1980% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 1.2509% | 1,873 |
| Noncurrent loans to loans | 0.7993% | 2,963 |
| Net loans and leases to total assets | 73.4104% | 1,835 |
| Net loans and leases to deposits | 82.9069% | 2,541 |
| Net loans and leases to core deposits | 98.2712% | 1,672 |
| Total domestic deposits to total assets | 88.5456% | 1,274 |
| Equity capital to assets | 10.6029% | 3,471 |
| Core capital (leverage) ratio | 10.1678% | 3,416 |
| Tier 1 risk-based capital ratio | 14.4026% | 3,628 |
| Total risk-based capital ratio | 15.6584% | 3,541 |
| Memoranda: | ||
| Average total assets | $1,021,023,250 | 678 |
| Average earning assets | $944,417,500 | 675 |
| Average equity | $105,722,500 | 736 |
| Average total loans | $739,012,750 | 636 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7932% | 4,089 |
| Cost of funding earning assets | 0.2680% | 4,739 |
| Net interest margin | 3.5252% | 3,390 |
| Noninterest income to average assets | 1.1214% | 959 |
| Noninterest expense to average assets | 2.9919% | 2,577 |
| Loan and lease loss provision to assets | 0.1250% | 1,769 |
| Net operating income to assets | 0.9872% | 2,456 |
| Return on assets (ROA) | 1.0971% | 2,057 |
| Pretax return on assets | 1.4086% | 1,946 |
| Return on Equity (ROE) | 10.6828% | 1,785 |
| Retained earnings to average equity (ytd only) | 10.6828% | 550 |
| Net charge-offs to loans | 0.0813% | 2,239 |
| Credit loss provision to net charge-offs | 214.5270% | 1,158 |
| Earnings coverage of net charge-offs (x) | 23.8953% | 1,591 |
| Efficiency ratio | 67.4241% | 3,762 |
| Assets per employee ($millions) | 4.1314% | 3,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2858% | 3,322 |
| Loan loss allowance to noncurrent loans | 99.3169% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.3155% | 1,908 |
| Noncurrent loans to loans | 1.2946% | 2,079 |
| Net loans and leases to total assets | 70.5255% | 2,239 |
| Net loans and leases to deposits | 79.1307% | 2,892 |
| Net loans and leases to core deposits | 95.5579% | 1,838 |
| Total domestic deposits to total assets | 89.1253% | 1,079 |
| Equity capital to assets | 10.3600% | 3,604 |
| Core capital (leverage) ratio | 9.9611% | 3,663 |
| Tier 1 risk-based capital ratio | 14.3881% | 3,706 |
| Total risk-based capital ratio | 15.6442% | 3,619 |
| Memoranda: | ||
| Average total assets | $1,015,737,670 | 686 |
| Average earning assets | $940,267,670 | 681 |
| Average equity | $104,317,000 | 747 |
| Average total loans | $728,333,330 | 643 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7900% | 4,053 |
| Cost of funding earning assets | 0.2749% | 4,727 |
| Net interest margin | 3.5152% | 3,373 |
| Noninterest income to average assets | 1.0864% | 959 |
| Noninterest expense to average assets | 2.9963% | 2,595 |
| Loan and lease loss provision to assets | 0.1288% | 1,611 |
| Net operating income to assets | 0.9365% | 2,576 |
| Return on assets (ROA) | 1.1525% | 1,796 |
| Pretax return on assets | 1.4906% | 1,595 |
| Return on Equity (ROE) | 11.2727% | 1,562 |
| Retained earnings to average equity (ytd only) | 11.2727% | 678 |
| Net charge-offs to loans | 0.1247% | 1,513 |
| Credit loss provision to net charge-offs | 143.8053% | 1,286 |
| Earnings coverage of net charge-offs (x) | 14.9469% | 1,650 |
| Efficiency ratio | 68.2940% | 3,770 |
| Assets per employee ($millions) | 4.9439% | 2,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 3,558 |
| Loan loss allowance to noncurrent loans | 79.9340% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 1.5259% | 1,708 |
| Noncurrent loans to loans | 1.5934% | 1,757 |
| Net loans and leases to total assets | 70.0979% | 2,127 |
| Net loans and leases to deposits | 78.7841% | 2,706 |
| Net loans and leases to core deposits | 93.4752% | 1,811 |
| Total domestic deposits to total assets | 88.9747% | 1,291 |
| Equity capital to assets | 10.2776% | 3,796 |
| Core capital (leverage) ratio | 9.9407% | 3,675 |
| Tier 1 risk-based capital ratio | 14.0283% | 3,984 |
| Total risk-based capital ratio | 15.2815% | 3,909 |
| Memoranda: | ||
| Average total assets | $1,009,241,500 | 687 |
| Average earning assets | $932,761,000 | 685 |
| Average equity | $103,187,500 | 750 |
| Average total loans | $725,016,500 | 643 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9146% | 4,073 |
| Cost of funding earning assets | 0.3414% | 4,348 |
| Net interest margin | 3.5732% | 3,505 |
| Noninterest income to average assets | 0.9761% | 1,267 |
| Noninterest expense to average assets | 3.1157% | 2,469 |
| Loan and lease loss provision to assets | 0.0757% | 2,960 |
| Net operating income to assets | 0.8639% | 3,045 |
| Return on assets (ROA) | 0.8781% | 3,068 |
| Pretax return on assets | 1.1008% | 3,081 |
| Return on Equity (ROE) | 9.1614% | 2,507 |
| Retained earnings to average equity (ytd only) | 7.9713% | 1,026 |
| Net charge-offs to loans | 0.1860% | 2,184 |
| Credit loss provision to net charge-offs | 56.3838% | 3,352 |
| Earnings coverage of net charge-offs (x) | 8.6288% | 2,849 |
| Efficiency ratio | 71.6902% | 3,256 |
| Assets per employee ($millions) | 3.7596% | 4,427 |
| Cash dividends to net income (ytd only)* | 12.9910% | 4,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 3,706 |
| Loan loss allowance to noncurrent loans | 72.2350% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 1.6278% | 1,658 |
| Noncurrent loans to loans | 1.7351% | 1,669 |
| Net loans and leases to total assets | 71.7776% | 1,940 |
| Net loans and leases to deposits | 81.4209% | 2,552 |
| Net loans and leases to core deposits | 97.4131% | 1,599 |
| Total domestic deposits to total assets | 88.1562% | 1,681 |
| Equity capital to assets | 10.1699% | 3,894 |
| Core capital (leverage) ratio | 9.5517% | 4,170 |
| Tier 1 risk-based capital ratio | 13.9578% | 4,120 |
| Total risk-based capital ratio | 15.2599% | 4,011 |
| Memoranda: | ||
| Average total assets | $1,009,015,600 | 670 |
| Average earning assets | $931,403,800 | 659 |
| Average equity | $96,709,600 | 757 |
| Average total loans | $728,438,600 | 597 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9190% | 4,099 |
| Cost of funding earning assets | 0.3500% | 4,343 |
| Net interest margin | 3.5690% | 3,558 |
| Noninterest income to average assets | 0.9550% | 1,351 |
| Noninterest expense to average assets | 3.0521% | 2,627 |
| Loan and lease loss provision to assets | 0.0612% | 3,136 |
| Net operating income to assets | 0.8939% | 2,941 |
| Return on assets (ROA) | 0.9063% | 2,977 |
| Pretax return on assets | 1.1475% | 3,002 |
| Return on Equity (ROE) | 9.6009% | 2,400 |
| Retained earnings to average equity (ytd only) | 7.9933% | 1,363 |
| Net charge-offs to loans | 0.2252% | 1,694 |
| Credit loss provision to net charge-offs | 37.6929% | 3,323 |
| Earnings coverage of net charge-offs (x) | 7.3501% | 2,936 |
| Efficiency ratio | 70.9321% | 3,352 |
| Assets per employee ($millions) | 3.9109% | 4,062 |
| Cash dividends to net income (ytd only)* | 16.7443% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 4,123 |
| Loan loss allowance to noncurrent loans | 47.2351% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 2.2193% | 1,242 |
| Noncurrent loans to loans | 2.5842% | 1,112 |
| Net loans and leases to total assets | 70.8350% | 2,046 |
| Net loans and leases to deposits | 80.4182% | 2,629 |
| Net loans and leases to core deposits | 96.7763% | 1,611 |
| Total domestic deposits to total assets | 88.0834% | 1,718 |
| Equity capital to assets | 9.7773% | 4,446 |
| Core capital (leverage) ratio | 9.2377% | 4,725 |
| Tier 1 risk-based capital ratio | 13.4789% | 4,555 |
| Total risk-based capital ratio | 14.7512% | 4,477 |
| Memoranda: | ||
| Average total assets | $1,011,258,000 | 662 |
| Average earning assets | $932,215,000 | 657 |
| Average equity | $95,461,000 | 771 |
| Average total loans | $728,818,250 | 593 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8954% | 4,153 |
| Cost of funding earning assets | 0.3549% | 4,378 |
| Net interest margin | 3.5404% | 3,609 |
| Noninterest income to average assets | 0.9295% | 1,398 |
| Noninterest expense to average assets | 3.0362% | 2,706 |
| Loan and lease loss provision to assets | 0.0921% | 2,488 |
| Net operating income to assets | 0.8420% | 3,120 |
| Return on assets (ROA) | 0.8638% | 3,085 |
| Pretax return on assets | 1.0882% | 3,141 |
| Return on Equity (ROE) | 9.2624% | 2,475 |
| Retained earnings to average equity (ytd only) | 6.8139% | 1,860 |
| Net charge-offs to loans | 0.1778% | 1,970 |
| Credit loss provision to net charge-offs | 71.7156% | 2,438 |
| Earnings coverage of net charge-offs (x) | 8.9799% | 2,416 |
| Efficiency ratio | 71.5023% | 3,433 |
| Assets per employee ($millions) | 3.8484% | 4,163 |
| Cash dividends to net income (ytd only)* | 26.4355% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2981% | 3,857 |
| Loan loss allowance to noncurrent loans | 45.2231% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 2.4672% | 1,154 |
| Noncurrent loans to loans | 2.8704% | 1,040 |
| Net loans and leases to total assets | 70.9722% | 1,924 |
| Net loans and leases to deposits | 80.2755% | 2,481 |
| Net loans and leases to core deposits | 97.1949% | 1,506 |
| Total domestic deposits to total assets | 88.4108% | 1,678 |
| Equity capital to assets | 9.4437% | 4,797 |
| Core capital (leverage) ratio | 8.9272% | 5,121 |
| Tier 1 risk-based capital ratio | 12.9144% | 4,965 |
| Total risk-based capital ratio | 14.1658% | 4,904 |
| Memoranda: | ||
| Average total assets | $1,008,096,670 | 665 |
| Average earning assets | $928,078,000 | 661 |
| Average equity | $94,014,330 | 774 |
| Average total loans | $727,765,000 | 593 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8500% | 4,292 |
| Cost of funding earning assets | 0.3601% | 4,433 |
| Net interest margin | 3.4899% | 3,741 |
| Noninterest income to average assets | 0.9024% | 1,387 |
| Noninterest expense to average assets | 3.0696% | 2,624 |
| Loan and lease loss provision to assets | 0.0790% | 2,571 |
| Net operating income to assets | 0.7751% | 3,279 |
| Return on assets (ROA) | 0.7751% | 3,361 |
| Pretax return on assets | 0.9643% | 3,464 |
| Return on Equity (ROE) | 8.3647% | 2,754 |
| Retained earnings to average equity (ytd only) | 6.2412% | 2,412 |
| Net charge-offs to loans | 0.0855% | 2,300 |
| Credit loss provision to net charge-offs | 127.7419% | 1,398 |
| Earnings coverage of net charge-offs (x) | 16.8645% | 1,490 |
| Efficiency ratio | 73.6245% | 3,211 |
| Assets per employee ($millions) | 3.8462% | 4,240 |
| Cash dividends to net income (ytd only)* | 25.3862% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 3,894 |
| Loan loss allowance to noncurrent loans | 39.5624% | 5,583 |
| Noncurrent assets plus other real estate owned to assets | 2.8286% | 1,041 |
| Noncurrent loans to loans | 3.3918% | 881 |
| Net loans and leases to total assets | 70.0295% | 1,879 |
| Net loans and leases to deposits | 80.2067% | 2,265 |
| Net loans and leases to core deposits | 95.4427% | 1,432 |
| Total domestic deposits to total assets | 87.3113% | 2,628 |
| Equity capital to assets | 9.1943% | 4,879 |
| Core capital (leverage) ratio | 8.9390% | 5,089 |
| Tier 1 risk-based capital ratio | 12.8200% | 5,109 |
| Total risk-based capital ratio | 14.0827% | 5,049 |
| Memoranda: | ||
| Average total assets | $1,002,227,000 | 674 |
| Average earning assets | $921,980,000 | 667 |
| Average equity | $92,866,500 | 785 |
| Average total loans | $724,988,000 | 601 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0482% | 3,926 |
| Cost of funding earning assets | 0.4689% | 3,926 |
| Net interest margin | 3.5792% | 3,555 |
| Noninterest income to average assets | 0.9004% | 1,678 |
| Noninterest expense to average assets | 3.0821% | 2,792 |
| Loan and lease loss provision to assets | 0.2869% | 1,201 |
| Net operating income to assets | 0.6613% | 3,979 |
| Return on assets (ROA) | 0.6595% | 4,091 |
| Pretax return on assets | 0.8123% | 4,097 |
| Return on Equity (ROE) | 7.4711% | 3,307 |
| Retained earnings to average equity (ytd only) | 4.6565% | 2,846 |
| Net charge-offs to loans | 0.4895% | 1,360 |
| Credit loss provision to net charge-offs | 81.1788% | 3,016 |
| Earnings coverage of net charge-offs (x) | 3.1165% | 3,953 |
| Efficiency ratio | 72.6756% | 3,354 |
| Assets per employee ($millions) | 3.5686% | 4,764 |
| Cash dividends to net income (ytd only)* | 37.6732% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 3,933 |
| Loan loss allowance to noncurrent loans | 38.4283% | 5,683 |
| Noncurrent assets plus other real estate owned to assets | 3.0524% | 1,027 |
| Noncurrent loans to loans | 3.4883% | 903 |
| Net loans and leases to total assets | 72.7624% | 1,550 |
| Net loans and leases to deposits | 84.3701% | 1,881 |
| Net loans and leases to core deposits | 95.9725% | 1,462 |
| Total domestic deposits to total assets | 86.2419% | 3,141 |
| Equity capital to assets | 9.3407% | 4,635 |
| Core capital (leverage) ratio | 8.8118% | 5,260 |
| Tier 1 risk-based capital ratio | 12.5173% | 5,276 |
| Total risk-based capital ratio | 13.7808% | 5,226 |
| Memoranda: | ||
| Average total assets | $1,017,854,200 | 647 |
| Average earning assets | $933,608,200 | 637 |
| Average equity | $89,853,200 | 784 |
| Average total loans | $734,780,200 | 573 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0020% | 4,130 |
| Cost of funding earning assets | 0.4931% | 3,844 |
| Net interest margin | 3.5089% | 3,843 |
| Noninterest income to average assets | 0.8774% | 1,830 |
| Noninterest expense to average assets | 2.9601% | 3,107 |
| Loan and lease loss provision to assets | 0.2538% | 1,403 |
| Net operating income to assets | 0.7121% | 3,801 |
| Return on assets (ROA) | 0.7095% | 3,941 |
| Pretax return on assets | 0.8771% | 3,978 |
| Return on Equity (ROE) | 8.1504% | 3,051 |
| Retained earnings to average equity (ytd only) | 5.3854% | 2,810 |
| Net charge-offs to loans | 0.1732% | 2,840 |
| Credit loss provision to net charge-offs | 204.0710% | 1,185 |
| Earnings coverage of net charge-offs (x) | 9.1190% | 2,524 |
| Efficiency ratio | 71.2868% | 3,555 |
| Assets per employee ($millions) | 3.6914% | 4,471 |
| Cash dividends to net income (ytd only)* | 33.9250% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5787% | 3,106 |
| Loan loss allowance to noncurrent loans | 39.4425% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 3.3568% | 1,034 |
| Noncurrent loans to loans | 4.0025% | 877 |
| Net loans and leases to total assets | 70.8960% | 1,802 |
| Net loans and leases to deposits | 81.8722% | 2,155 |
| Net loans and leases to core deposits | 95.0365% | 1,468 |
| Total domestic deposits to total assets | 86.5935% | 2,915 |
| Equity capital to assets | 9.0015% | 5,187 |
| Core capital (leverage) ratio | 8.5849% | 5,678 |
| Tier 1 risk-based capital ratio | 12.2434% | 5,608 |
| Total risk-based capital ratio | 13.5042% | 5,540 |
| Memoranda: | ||
| Average total assets | $1,026,978,250 | 642 |
| Average earning assets | $941,501,500 | 632 |
| Average equity | $89,400,000 | 795 |
| Average total loans | $737,534,750 | 571 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9621% | 4,254 |
| Cost of funding earning assets | 0.5338% | 3,561 |
| Net interest margin | 3.4283% | 4,082 |
| Noninterest income to average assets | 0.8565% | 1,980 |
| Noninterest expense to average assets | 2.9551% | 3,147 |
| Loan and lease loss provision to assets | 0.3099% | 1,146 |
| Net operating income to assets | 0.6163% | 4,212 |
| Return on assets (ROA) | 0.6163% | 4,378 |
| Pretax return on assets | 0.7387% | 4,545 |
| Return on Equity (ROE) | 7.1582% | 3,508 |
| Retained earnings to average equity (ytd only) | 4.3304% | 3,518 |
| Net charge-offs to loans | 0.1469% | 2,932 |
| Credit loss provision to net charge-offs | 293.9560% | 881 |
| Earnings coverage of net charge-offs (x) | 9.9469% | 2,213 |
| Efficiency ratio | 72.7816% | 3,344 |
| Assets per employee ($millions) | 3.7588% | 4,285 |
| Cash dividends to net income (ytd only)* | 39.5050% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5681% | 3,285 |
| Loan loss allowance to noncurrent loans | 36.8042% | 5,761 |
| Noncurrent assets plus other real estate owned to assets | 3.5287% | 1,084 |
| Noncurrent loans to loans | 4.2607% | 862 |
| Net loans and leases to total assets | 69.7124% | 1,932 |
| Net loans and leases to deposits | 81.3697% | 2,134 |
| Net loans and leases to core deposits | 97.6991% | 1,237 |
| Total domestic deposits to total assets | 85.6736% | 3,544 |
| Equity capital to assets | 8.6881% | 5,567 |
| Core capital (leverage) ratio | 8.1125% | 6,097 |
| Tier 1 risk-based capital ratio | 11.8235% | 5,903 |
| Total risk-based capital ratio | 13.0826% | 5,846 |
| Memoranda: | ||
| Average total assets | $1,035,848,330 | 637 |
| Average earning assets | $950,901,670 | 628 |
| Average equity | $89,184,000 | 793 |
| Average total loans | $743,180,670 | 562 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0114% | 4,072 |
| Cost of funding earning assets | 0.5219% | 3,865 |
| Net interest margin | 3.4896% | 3,748 |
| Noninterest income to average assets | 0.8386% | 1,967 |
| Noninterest expense to average assets | 2.9472% | 3,169 |
| Loan and lease loss provision to assets | 0.3092% | 1,103 |
| Net operating income to assets | 0.6388% | 4,027 |
| Return on assets (ROA) | 0.6388% | 4,191 |
| Pretax return on assets | 0.7801% | 4,252 |
| Return on Equity (ROE) | 7.4531% | 3,240 |
| Retained earnings to average equity (ytd only) | 4.6453% | 3,449 |
| Net charge-offs to loans | 0.1275% | 2,654 |
| Credit loss provision to net charge-offs | 335.9833% | 724 |
| Earnings coverage of net charge-offs (x) | 11.8368% | 1,645 |
| Efficiency ratio | 72.0023% | 3,613 |
| Assets per employee ($millions) | 3.7579% | 4,436 |
| Cash dividends to net income (ytd only)* | 37.6733% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4659% | 3,947 |
| Loan loss allowance to noncurrent loans | 31.5742% | 5,964 |
| Noncurrent assets plus other real estate owned to assets | 3.8089% | 1,083 |
| Noncurrent loans to loans | 4.6428% | 875 |
| Net loans and leases to total assets | 69.9048% | 1,677 |
| Net loans and leases to deposits | 81.4855% | 1,898 |
| Net loans and leases to core deposits | 98.9243% | 1,010 |
| Total domestic deposits to total assets | 85.7881% | 3,640 |
| Equity capital to assets | 8.5203% | 6,000 |
| Core capital (leverage) ratio | 8.0988% | 6,043 |
| Tier 1 risk-based capital ratio | 11.4033% | 6,238 |
| Total risk-based capital ratio | 12.6662% | 6,204 |
| Memoranda: | ||
| Average total assets | $1,038,823,000 | 643 |
| Average earning assets | $951,975,500 | 635 |
| Average equity | $89,036,500 | 805 |
| Average total loans | $750,068,500 | 558 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3482% | 4,029 |
| Cost of funding earning assets | 0.7310% | 3,246 |
| Net interest margin | 3.6172% | 4,014 |
| Noninterest income to average assets | 0.8150% | 2,195 |
| Noninterest expense to average assets | 2.9711% | 3,383 |
| Loan and lease loss provision to assets | 0.5067% | 1,161 |
| Net operating income to assets | 0.5693% | 4,381 |
| Return on assets (ROA) | 0.5646% | 4,666 |
| Pretax return on assets | 0.6384% | 4,858 |
| Return on Equity (ROE) | 6.7432% | 3,788 |
| Retained earnings to average equity (ytd only) | 3.6392% | 3,649 |
| Net charge-offs to loans | 0.6002% | 1,935 |
| Credit loss provision to net charge-offs | 114.3576% | 2,540 |
| Earnings coverage of net charge-offs (x) | 2.5964% | 4,122 |
| Efficiency ratio | 71.0635% | 3,613 |
| Assets per employee ($millions) | 3.6234% | 4,725 |
| Cash dividends to net income (ytd only)* | 46.0323% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 4,274 |
| Loan loss allowance to noncurrent loans | 28.0840% | 6,135 |
| Noncurrent assets plus other real estate owned to assets | 4.1040% | 1,033 |
| Noncurrent loans to loans | 4.9038% | 828 |
| Net loans and leases to total assets | 72.4833% | 1,422 |
| Net loans and leases to deposits | 84.9540% | 1,644 |
| Net loans and leases to core deposits | 99.6443% | 1,046 |
| Total domestic deposits to total assets | 85.3206% | 3,701 |
| Equity capital to assets | 8.6228% | 5,941 |
| Core capital (leverage) ratio | 7.9852% | 6,206 |
| Tier 1 risk-based capital ratio | 10.9728% | 6,358 |
| Total risk-based capital ratio | 12.2244% | 6,319 |
| Memoranda: | ||
| Average total assets | $1,031,150,000 | 646 |
| Average earning assets | $942,606,000 | 631 |
| Average equity | $86,338,600 | 804 |
| Average total loans | $761,287,600 | 540 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3767% | 4,146 |
| Cost of funding earning assets | 0.7718% | 3,172 |
| Net interest margin | 3.6049% | 4,216 |
| Noninterest income to average assets | 0.8368% | 2,087 |
| Noninterest expense to average assets | 2.8368% | 3,850 |
| Loan and lease loss provision to assets | 0.4648% | 1,332 |
| Net operating income to assets | 0.6935% | 3,942 |
| Return on assets (ROA) | 0.6930% | 4,201 |
| Pretax return on assets | 0.8328% | 4,372 |
| Return on Equity (ROE) | 8.3384% | 3,112 |
| Retained earnings to average equity (ytd only) | 5.2559% | 3,186 |
| Net charge-offs to loans | 0.5608% | 1,930 |
| Credit loss provision to net charge-offs | 112.1495% | 2,611 |
| Earnings coverage of net charge-offs (x) | 3.1324% | 3,774 |
| Efficiency ratio | 67.5816% | 4,156 |
| Assets per employee ($millions) | 3.7684% | 4,378 |
| Cash dividends to net income (ytd only)* | 36.9667% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3420% | 4,621 |
| Loan loss allowance to noncurrent loans | 28.0870% | 6,205 |
| Noncurrent assets plus other real estate owned to assets | 3.9966% | 1,205 |
| Noncurrent loans to loans | 4.7779% | 966 |
| Net loans and leases to total assets | 70.4604% | 1,818 |
| Net loans and leases to deposits | 86.6189% | 1,530 |
| Net loans and leases to core deposits | 102.7771% | 943 |
| Total domestic deposits to total assets | 81.3454% | 5,250 |
| Equity capital to assets | 8.3957% | 6,358 |
| Core capital (leverage) ratio | 7.9115% | 6,392 |
| Tier 1 risk-based capital ratio | 10.9702% | 6,491 |
| Total risk-based capital ratio | 12.2213% | 6,474 |
| Memoranda: | ||
| Average total assets | $1,032,579,500 | 643 |
| Average earning assets | $944,758,250 | 632 |
| Average equity | $85,818,000 | 812 |
| Average total loans | $763,198,000 | 531 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4366% | 4,035 |
| Cost of funding earning assets | 0.8056% | 3,141 |
| Net interest margin | 3.6310% | 4,135 |
| Noninterest income to average assets | 0.8854% | 1,838 |
| Noninterest expense to average assets | 2.8443% | 3,853 |
| Loan and lease loss provision to assets | 0.5414% | 1,144 |
| Net operating income to assets | 0.6834% | 3,958 |
| Return on assets (ROA) | 0.6868% | 4,201 |
| Pretax return on assets | 0.8253% | 4,382 |
| Return on Equity (ROE) | 8.2926% | 3,116 |
| Retained earnings to average equity (ytd only) | 5.2536% | 3,122 |
| Net charge-offs to loans | 0.7492% | 1,475 |
| Credit loss provision to net charge-offs | 96.6562% | 2,865 |
| Earnings coverage of net charge-offs (x) | 2.4326% | 3,785 |
| Efficiency ratio | 66.5986% | 4,407 |
| Assets per employee ($millions) | 3.7143% | 4,489 |
| Cash dividends to net income (ytd only)* | 36.6477% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 5,115 |
| Loan loss allowance to noncurrent loans | 32.6516% | 6,031 |
| Noncurrent assets plus other real estate owned to assets | 3.1069% | 1,755 |
| Noncurrent loans to loans | 3.8333% | 1,464 |
| Net loans and leases to total assets | 72.0028% | 1,554 |
| Net loans and leases to deposits | 88.6236% | 1,303 |
| Net loans and leases to core deposits | 105.9835% | 744 |
| Total domestic deposits to total assets | 81.2456% | 5,377 |
| Equity capital to assets | 8.2442% | 6,421 |
| Core capital (leverage) ratio | 7.8238% | 6,429 |
| Tier 1 risk-based capital ratio | 10.5934% | 6,664 |
| Total risk-based capital ratio | 11.8434% | 6,649 |
| Memoranda: | ||
| Average total assets | $1,025,051,000 | 648 |
| Average earning assets | $937,706,330 | 641 |
| Average equity | $84,894,670 | 814 |
| Average total loans | $766,401,670 | 523 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4933% | 3,938 |
| Cost of funding earning assets | 0.8518% | 3,051 |
| Net interest margin | 3.6416% | 4,082 |
| Noninterest income to average assets | 0.9159% | 1,681 |
| Noninterest expense to average assets | 2.7750% | 4,141 |
| Loan and lease loss provision to assets | 0.7722% | 646 |
| Net operating income to assets | 0.5872% | 4,407 |
| Return on assets (ROA) | 0.5872% | 4,625 |
| Pretax return on assets | 0.6969% | 4,803 |
| Return on Equity (ROE) | 7.0737% | 3,747 |
| Retained earnings to average equity (ytd only) | 1.8746% | 5,308 |
| Net charge-offs to loans | 1.1325% | 909 |
| Credit loss provision to net charge-offs | 90.0277% | 2,545 |
| Earnings coverage of net charge-offs (x) | 1.7128% | 3,476 |
| Efficiency ratio | 64.3684% | 4,856 |
| Assets per employee ($millions) | 3.7874% | 4,454 |
| Cash dividends to net income (ytd only)* | 73.4997% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 5,283 |
| Loan loss allowance to noncurrent loans | 36.8374% | 5,805 |
| Noncurrent assets plus other real estate owned to assets | 2.7981% | 2,093 |
| Noncurrent loans to loans | 3.3796% | 1,871 |
| Net loans and leases to total assets | 72.9354% | 1,238 |
| Net loans and leases to deposits | 90.1525% | 951 |
| Net loans and leases to core deposits | 102.9269% | 817 |
| Total domestic deposits to total assets | 80.9023% | 5,632 |
| Equity capital to assets | 8.2118% | 6,349 |
| Core capital (leverage) ratio | 7.9651% | 6,287 |
| Tier 1 risk-based capital ratio | 10.4269% | 6,759 |
| Total risk-based capital ratio | 11.6728% | 6,755 |
| Memoranda: | ||
| Average total assets | $1,010,144,000 | 662 |
| Average earning assets | $923,233,000 | 655 |
| Average equity | $83,859,500 | 821 |
| Average total loans | $765,023,000 | 524 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8985% | 3,366 |
| Cost of funding earning assets | 1.0231% | 3,216 |
| Net interest margin | 3.8754% | 3,445 |
| Noninterest income to average assets | 0.9165% | 1,618 |
| Noninterest expense to average assets | 2.8962% | 3,972 |
| Loan and lease loss provision to assets | 0.7671% | 1,300 |
| Net operating income to assets | 0.7224% | 3,376 |
| Return on assets (ROA) | 0.7184% | 3,570 |
| Pretax return on assets | 0.7843% | 4,034 |
| Return on Equity (ROE) | 8.7182% | 2,584 |
| Retained earnings to average equity (ytd only) | 4.7210% | 2,842 |
| Net charge-offs to loans | 0.8647% | 2,003 |
| Credit loss provision to net charge-offs | 113.9655% | 2,870 |
| Earnings coverage of net charge-offs (x) | 2.3113% | 4,061 |
| Efficiency ratio | 64.0354% | 5,120 |
| Assets per employee ($millions) | 3.5997% | 4,770 |
| Cash dividends to net income (ytd only)* | 45.8493% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2686% | 5,073 |
| Loan loss allowance to noncurrent loans | 43.1596% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 2.6109% | 2,329 |
| Noncurrent loans to loans | 2.9394% | 2,212 |
| Net loans and leases to total assets | 76.7182% | 863 |
| Net loans and leases to deposits | 95.9099% | 677 |
| Net loans and leases to core deposits | 105.5690% | 811 |
| Total domestic deposits to total assets | 79.9899% | 5,747 |
| Equity capital to assets | 8.3961% | 6,249 |
| Core capital (leverage) ratio | 7.8927% | 6,366 |
| Tier 1 risk-based capital ratio | 10.2636% | 6,779 |
| Total risk-based capital ratio | 11.5140% | 6,756 |
| Memoranda: | ||
| Average total assets | $980,897,000 | 669 |
| Average earning assets | $894,821,800 | 661 |
| Average equity | $80,831,000 | 825 |
| Average total loans | $763,484,600 | 536 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8948% | 3,581 |
| Cost of funding earning assets | 1.0597% | 3,248 |
| Net interest margin | 3.8351% | 3,696 |
| Noninterest income to average assets | 0.8496% | 1,837 |
| Noninterest expense to average assets | 2.9257% | 3,816 |
| Loan and lease loss provision to assets | 0.7407% | 1,291 |
| Net operating income to assets | 0.6701% | 3,771 |
| Return on assets (ROA) | 0.6828% | 3,870 |
| Pretax return on assets | 0.6942% | 4,503 |
| Return on Equity (ROE) | 8.3248% | 2,905 |
| Retained earnings to average equity (ytd only) | 2.9625% | 4,577 |
| Net charge-offs to loans | 0.8824% | 1,809 |
| Credit loss provision to net charge-offs | 107.8051% | 3,066 |
| Earnings coverage of net charge-offs (x) | 2.0695% | 4,108 |
| Efficiency ratio | 66.2440% | 4,678 |
| Assets per employee ($millions) | 3.6982% | 4,545 |
| Cash dividends to net income (ytd only)* | 64.4139% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 5,469 |
| Loan loss allowance to noncurrent loans | 35.1477% | 5,950 |
| Noncurrent assets plus other real estate owned to assets | 2.9652% | 2,169 |
| Noncurrent loans to loans | 3.4126% | 2,018 |
| Net loans and leases to total assets | 76.1368% | 958 |
| Net loans and leases to deposits | 95.8727% | 705 |
| Net loans and leases to core deposits | 106.1128% | 857 |
| Total domestic deposits to total assets | 79.4144% | 5,886 |
| Equity capital to assets | 8.1794% | 6,578 |
| Core capital (leverage) ratio | 7.5462% | 6,739 |
| Tier 1 risk-based capital ratio | 9.9276% | 6,973 |
| Total risk-based capital ratio | 11.1411% | 6,971 |
| Memoranda: | ||
| Average total assets | $979,541,250 | 675 |
| Average earning assets | $893,435,250 | 668 |
| Average equity | $80,335,750 | 839 |
| Average total loans | $762,753,250 | 542 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9426% | 3,429 |
| Cost of funding earning assets | 1.0812% | 3,380 |
| Net interest margin | 3.8614% | 3,481 |
| Noninterest income to average assets | 0.8546% | 1,787 |
| Noninterest expense to average assets | 2.9715% | 3,750 |
| Loan and lease loss provision to assets | 0.5474% | 1,774 |
| Net operating income to assets | 0.7969% | 3,096 |
| Return on assets (ROA) | 0.7885% | 3,248 |
| Pretax return on assets | 0.8552% | 3,813 |
| Return on Equity (ROE) | 9.6060% | 2,264 |
| Retained earnings to average equity (ytd only) | 4.2005% | 3,524 |
| Net charge-offs to loans | 0.3462% | 3,165 |
| Credit loss provision to net charge-offs | 202.3520% | 1,492 |
| Earnings coverage of net charge-offs (x) | 5.2185% | 2,665 |
| Efficiency ratio | 66.7447% | 4,735 |
| Assets per employee ($millions) | 3.7318% | 4,351 |
| Cash dividends to net income (ytd only)* | 56.2728% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3148% | 4,991 |
| Loan loss allowance to noncurrent loans | 31.0322% | 6,203 |
| Noncurrent assets plus other real estate owned to assets | 3.3073% | 2,016 |
| Noncurrent loans to loans | 4.2368% | 1,603 |
| Net loans and leases to total assets | 75.8927% | 1,087 |
| Net loans and leases to deposits | 95.7113% | 749 |
| Net loans and leases to core deposits | 105.7197% | 943 |
| Total domestic deposits to total assets | 79.2933% | 6,011 |
| Equity capital to assets | 8.1253% | 6,579 |
| Core capital (leverage) ratio | 7.6059% | 6,665 |
| Tier 1 risk-based capital ratio | 9.9490% | 6,994 |
| Total risk-based capital ratio | 11.2002% | 6,995 |
| Memoranda: | ||
| Average total assets | $974,454,000 | 687 |
| Average earning assets | $890,463,000 | 679 |
| Average equity | $79,991,330 | 839 |
| Average total loans | $761,469,000 | 555 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0249% | 2,983 |
| Cost of funding earning assets | 1.0969% | 3,546 |
| Net interest margin | 3.9280% | 3,011 |
| Noninterest income to average assets | 0.8281% | 1,931 |
| Noninterest expense to average assets | 2.9403% | 3,890 |
| Loan and lease loss provision to assets | 0.3751% | 2,315 |
| Net operating income to assets | 0.8106% | 2,976 |
| Return on assets (ROA) | 0.8140% | 3,020 |
| Pretax return on assets | 1.1065% | 2,734 |
| Return on Equity (ROE) | 9.8631% | 2,144 |
| Retained earnings to average equity (ytd only) | 4.3079% | 3,587 |
| Net charge-offs to loans | 0.2661% | 3,005 |
| Credit loss provision to net charge-offs | 178.9264% | 1,637 |
| Earnings coverage of net charge-offs (x) | 7.0457% | 2,007 |
| Efficiency ratio | 65.5156% | 5,122 |
| Assets per employee ($millions) | 3.6182% | 4,723 |
| Cash dividends to net income (ytd only)* | 56.3236% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2047% | 5,608 |
| Loan loss allowance to noncurrent loans | 34.7698% | 5,977 |
| Noncurrent assets plus other real estate owned to assets | 2.7936% | 2,466 |
| Noncurrent loans to loans | 3.4648% | 2,154 |
| Net loans and leases to total assets | 77.7902% | 760 |
| Net loans and leases to deposits | 99.4859% | 499 |
| Net loans and leases to core deposits | 107.6875% | 858 |
| Total domestic deposits to total assets | 78.1922% | 6,354 |
| Equity capital to assets | 8.2450% | 6,234 |
| Core capital (leverage) ratio | 7.8278% | 6,439 |
| Tier 1 risk-based capital ratio | 9.9750% | 7,015 |
| Total risk-based capital ratio | 11.2102% | 7,018 |
| Memoranda: | ||
| Average total assets | $959,757,000 | 702 |
| Average earning assets | $876,988,500 | 693 |
| Average equity | $79,204,000 | 841 |
| Average total loans | $756,205,000 | 569 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1464% | 3,875 |
| Cost of funding earning assets | 1.4079% | 3,212 |
| Net interest margin | 3.7385% | 4,187 |
| Noninterest income to average assets | 0.8660% | 1,992 |
| Noninterest expense to average assets | 2.7373% | 4,824 |
| Loan and lease loss provision to assets | 0.3336% | 4,151 |
| Net operating income to assets | 0.8655% | 2,533 |
| Return on assets (ROA) | 0.8512% | 2,723 |
| Pretax return on assets | 1.1820% | 2,285 |
| Return on Equity (ROE) | 10.6920% | 1,690 |
| Retained earnings to average equity (ytd only) | 5.2391% | 2,286 |
| Net charge-offs to loans | 0.4488% | 3,816 |
| Credit loss provision to net charge-offs | 95.9656% | 4,844 |
| Earnings coverage of net charge-offs (x) | 4.4177% | 2,932 |
| Efficiency ratio | 62.9609% | 5,520 |
| Assets per employee ($millions) | 3.6115% | 4,669 |
| Cash dividends to net income (ytd only)* | 50.9994% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 5,623 |
| Loan loss allowance to noncurrent loans | 30.8450% | 6,241 |
| Noncurrent assets plus other real estate owned to assets | 3.0691% | 2,302 |
| Noncurrent loans to loans | 3.8100% | 1,937 |
| Net loans and leases to total assets | 77.9183% | 957 |
| Net loans and leases to deposits | 100.6446% | 541 |
| Net loans and leases to core deposits | 107.8089% | 1,066 |
| Total domestic deposits to total assets | 77.4193% | 6,417 |
| Equity capital to assets | 8.2601% | 6,193 |
| Core capital (leverage) ratio | 7.7313% | 6,514 |
| Tier 1 risk-based capital ratio | 10.0170% | 6,977 |
| Total risk-based capital ratio | 11.2185% | 6,985 |
| Memoranda: | ||
| Average total assets | $969,844,000 | 685 |
| Average earning assets | $883,804,600 | 682 |
| Average equity | $77,207,400 | 854 |
| Average total loans | $751,148,400 | 579 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1557% | 4,049 |
| Cost of funding earning assets | 1.4502% | 3,272 |
| Net interest margin | 3.7055% | 4,378 |
| Noninterest income to average assets | 0.8451% | 2,016 |
| Noninterest expense to average assets | 2.7221% | 4,788 |
| Loan and lease loss provision to assets | 0.2564% | 4,529 |
| Net operating income to assets | 0.9046% | 2,586 |
| Return on assets (ROA) | 0.8861% | 2,811 |
| Pretax return on assets | 1.2162% | 2,436 |
| Return on Equity (ROE) | 11.2341% | 1,717 |
| Retained earnings to average equity (ytd only) | 5.7722% | 2,495 |
| Net charge-offs to loans | 0.2153% | 4,648 |
| Credit loss provision to net charge-offs | 154.4481% | 2,493 |
| Earnings coverage of net charge-offs (x) | 9.0214% | 2,078 |
| Efficiency ratio | 63.3933% | 5,364 |
| Assets per employee ($millions) | 3.6439% | 4,631 |
| Cash dividends to net income (ytd only)* | 48.6187% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 5,134 |
| Loan loss allowance to noncurrent loans | 50.0939% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 2.0161% | 3,446 |
| Noncurrent loans to loans | 2.5275% | 3,094 |
| Net loans and leases to total assets | 77.5099% | 1,123 |
| Net loans and leases to deposits | 102.8486% | 492 |
| Net loans and leases to core deposits | 109.0017% | 1,094 |
| Total domestic deposits to total assets | 75.3631% | 6,762 |
| Equity capital to assets | 8.1148% | 6,700 |
| Core capital (leverage) ratio | 7.4133% | 6,919 |
| Tier 1 risk-based capital ratio | 9.5493% | 7,243 |
| Total risk-based capital ratio | 10.7996% | 7,237 |
| Memoranda: | ||
| Average total assets | $974,847,750 | 676 |
| Average earning assets | $887,880,250 | 674 |
| Average equity | $76,895,000 | 859 |
| Average total loans | $751,712,500 | 579 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1123% | 4,390 |
| Cost of funding earning assets | 1.4791% | 3,372 |
| Net interest margin | 3.6333% | 4,670 |
| Noninterest income to average assets | 0.8702% | 1,802 |
| Noninterest expense to average assets | 2.7059% | 4,879 |
| Loan and lease loss provision to assets | 0.2556% | 4,376 |
| Net operating income to assets | 0.8944% | 2,570 |
| Return on assets (ROA) | 0.8964% | 2,686 |
| Pretax return on assets | 1.2220% | 2,344 |
| Return on Equity (ROE) | 11.4728% | 1,602 |
| Retained earnings to average equity (ytd only) | 5.9759% | 2,337 |
| Net charge-offs to loans | 0.1163% | 5,012 |
| Credit loss provision to net charge-offs | 286.6972% | 1,297 |
| Earnings coverage of net charge-offs (x) | 16.5413% | 1,396 |
| Efficiency ratio | 63.6012% | 5,412 |
| Assets per employee ($millions) | 3.7575% | 4,327 |
| Cash dividends to net income (ytd only)* | 47.9124% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 5,008 |
| Loan loss allowance to noncurrent loans | 48.1222% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 2.0815% | 3,404 |
| Noncurrent loans to loans | 2.6709% | 2,972 |
| Net loans and leases to total assets | 76.0722% | 1,483 |
| Net loans and leases to deposits | 102.2914% | 580 |
| Net loans and leases to core deposits | 109.0056% | 1,231 |
| Total domestic deposits to total assets | 74.3682% | 6,934 |
| Equity capital to assets | 7.8525% | 6,886 |
| Core capital (leverage) ratio | 7.3491% | 6,960 |
| Tier 1 risk-based capital ratio | 9.3994% | 7,304 |
| Total risk-based capital ratio | 10.6499% | 7,303 |
| Memoranda: | ||
| Average total assets | $977,922,000 | 672 |
| Average earning assets | $891,098,670 | 671 |
| Average equity | $76,407,000 | 860 |
| Average total loans | $749,599,000 | 580 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1163% | 4,455 |
| Cost of funding earning assets | 1.5179% | 3,434 |
| Net interest margin | 3.5983% | 4,738 |
| Noninterest income to average assets | 0.8861% | 1,681 |
| Noninterest expense to average assets | 2.7468% | 4,699 |
| Loan and lease loss provision to assets | 0.2565% | 3,989 |
| Net operating income to assets | 0.8579% | 2,717 |
| Return on assets (ROA) | 0.8561% | 2,814 |
| Pretax return on assets | 1.1598% | 2,514 |
| Return on Equity (ROE) | 10.9851% | 1,794 |
| Retained earnings to average equity (ytd only) | 5.4557% | 2,896 |
| Net charge-offs to loans | 0.1144% | 4,295 |
| Credit loss provision to net charge-offs | 293.4272% | 1,352 |
| Earnings coverage of net charge-offs (x) | 16.2300% | 1,339 |
| Efficiency ratio | 64.8177% | 5,338 |
| Assets per employee ($millions) | 3.7676% | 4,388 |
| Cash dividends to net income (ytd only)* | 50.3356% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 5,245 |
| Loan loss allowance to noncurrent loans | 48.6674% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 1.9998% | 3,506 |
| Noncurrent loans to loans | 2.5602% | 3,107 |
| Net loans and leases to total assets | 76.2277% | 1,495 |
| Net loans and leases to deposits | 101.8482% | 651 |
| Net loans and leases to core deposits | 109.1388% | 1,343 |
| Total domestic deposits to total assets | 74.8445% | 6,926 |
| Equity capital to assets | 7.8996% | 6,757 |
| Core capital (leverage) ratio | 7.2652% | 7,061 |
| Tier 1 risk-based capital ratio | 9.3773% | 7,358 |
| Total risk-based capital ratio | 10.6274% | 7,363 |
| Memoranda: | ||
| Average total assets | $974,647,000 | 696 |
| Average earning assets | $888,305,000 | 689 |
| Average equity | $75,957,500 | 870 |
| Average total loans | $745,068,000 | 605 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3424% | 4,970 |
| Cost of funding earning assets | 1.7011% | 4,502 |
| Net interest margin | 3.6413% | 4,383 |
| Noninterest income to average assets | 0.8974% | 1,952 |
| Noninterest expense to average assets | 2.7577% | 5,134 |
| Loan and lease loss provision to assets | 0.3637% | 4,620 |
| Net operating income to assets | 0.8364% | 2,397 |
| Return on assets (ROA) | 0.7765% | 2,711 |
| Pretax return on assets | 1.0200% | 2,524 |
| Return on Equity (ROE) | 10.2229% | 1,632 |
| Retained earnings to average equity (ytd only) | 4.2179% | 2,266 |
| Net charge-offs to loans | 0.2617% | 4,987 |
| Credit loss provision to net charge-offs | 185.0377% | 2,203 |
| Earnings coverage of net charge-offs (x) | 7.4408% | 2,147 |
| Efficiency ratio | 64.1690% | 5,744 |
| Assets per employee ($millions) | 3.8474% | 4,151 |
| Cash dividends to net income (ytd only)* | 58.7410% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 5,310 |
| Loan loss allowance to noncurrent loans | 48.9591% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 1.9336% | 3,479 |
| Noncurrent loans to loans | 2.4674% | 3,084 |
| Net loans and leases to total assets | 74.7897% | 2,078 |
| Net loans and leases to deposits | 98.8785% | 1,011 |
| Net loans and leases to core deposits | 115.5195% | 2,368 |
| Total domestic deposits to total assets | 75.6380% | 6,750 |
| Equity capital to assets | 7.6877% | 6,870 |
| Core capital (leverage) ratio | 7.1349% | 7,126 |
| Tier 1 risk-based capital ratio | 9.2454% | 7,359 |
| Total risk-based capital ratio | 10.4528% | 7,375 |
| Memoranda: | ||
| Average total assets | $945,181,000 | 710 |
| Average earning assets | $862,559,400 | 704 |
| Average equity | $71,789,600 | 913 |
| Average total loans | $709,876,400 | 654 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3818% | 5,031 |
| Cost of funding earning assets | 1.7097% | 4,850 |
| Net interest margin | 3.6721% | 4,193 |
| Noninterest income to average assets | 0.8970% | 1,992 |
| Noninterest expense to average assets | 2.7946% | 4,918 |
| Loan and lease loss provision to assets | 0.3789% | 4,057 |
| Net operating income to assets | 0.8238% | 2,714 |
| Return on assets (ROA) | 0.7636% | 3,031 |
| Pretax return on assets | 0.9959% | 2,920 |
| Return on Equity (ROE) | 10.0850% | 1,883 |
| Retained earnings to average equity (ytd only) | 3.9573% | 3,066 |
| Net charge-offs to loans | 0.2263% | 4,640 |
| Credit loss provision to net charge-offs | 223.4060% | 1,955 |
| Earnings coverage of net charge-offs (x) | 8.5680% | 2,225 |
| Efficiency ratio | 64.6168% | 5,635 |
| Assets per employee ($millions) | 3.8170% | 4,154 |
| Cash dividends to net income (ytd only)* | 60.7602% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 5,084 |
| Loan loss allowance to noncurrent loans | 80.0871% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 1.1843% | 4,709 |
| Noncurrent loans to loans | 1.5035% | 4,406 |
| Net loans and leases to total assets | 74.4182% | 2,406 |
| Net loans and leases to deposits | 101.9332% | 927 |
| Net loans and leases to core deposits | 117.9947% | 2,413 |
| Total domestic deposits to total assets | 73.0068% | 7,083 |
| Equity capital to assets | 7.6045% | 7,217 |
| Core capital (leverage) ratio | 7.0045% | 7,433 |
| Tier 1 risk-based capital ratio | 9.1830% | 7,550 |
| Total risk-based capital ratio | 10.3837% | 7,575 |
| Memoranda: | ||
| Average total assets | $937,166,000 | 728 |
| Average earning assets | $855,100,500 | 719 |
| Average equity | $70,955,250 | 937 |
| Average total loans | $702,392,250 | 681 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4670% | 4,800 |
| Cost of funding earning assets | 1.7164% | 5,190 |
| Net interest margin | 3.7506% | 3,753 |
| Noninterest income to average assets | 0.9316% | 1,835 |
| Noninterest expense to average assets | 2.8284% | 4,833 |
| Loan and lease loss provision to assets | 0.2203% | 4,833 |
| Net operating income to assets | 0.9465% | 2,289 |
| Return on assets (ROA) | 0.8991% | 2,568 |
| Pretax return on assets | 1.2306% | 2,215 |
| Return on Equity (ROE) | 11.8940% | 1,450 |
| Retained earnings to average equity (ytd only) | 5.5709% | 2,214 |
| Net charge-offs to loans | 0.1289% | 4,881 |
| Credit loss provision to net charge-offs | 228.4753% | 2,014 |
| Earnings coverage of net charge-offs (x) | 15.7197% | 1,577 |
| Efficiency ratio | 63.9445% | 5,930 |
| Assets per employee ($millions) | 3.6953% | 4,337 |
| Cash dividends to net income (ytd only)* | 53.1618% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 5,404 |
| Loan loss allowance to noncurrent loans | 67.6217% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 1.2587% | 4,422 |
| Noncurrent loans to loans | 1.6671% | 3,993 |
| Net loans and leases to total assets | 72.1109% | 3,195 |
| Net loans and leases to deposits | 97.8527% | 1,543 |
| Net loans and leases to core deposits | 114.0877% | 2,900 |
| Total domestic deposits to total assets | 73.6933% | 6,999 |
| Equity capital to assets | 7.5163% | 7,245 |
| Core capital (leverage) ratio | 7.2157% | 7,343 |
| Tier 1 risk-based capital ratio | 9.3135% | 7,527 |
| Total risk-based capital ratio | 10.4119% | 7,620 |
| Memoranda: | ||
| Average total assets | $925,112,000 | 757 |
| Average earning assets | $841,742,000 | 752 |
| Average equity | $69,934,670 | 955 |
| Average total loans | $692,136,000 | 712 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5204% | 4,807 |
| Cost of funding earning assets | 1.7483% | 5,359 |
| Net interest margin | 3.7721% | 3,580 |
| Noninterest income to average assets | 0.9671% | 1,581 |
| Noninterest expense to average assets | 2.7554% | 4,756 |
| Loan and lease loss provision to assets | 0.2620% | 3,863 |
| Net operating income to assets | 1.0448% | 2,147 |
| Return on assets (ROA) | 1.0015% | 2,440 |
| Pretax return on assets | 1.3174% | 2,220 |
| Return on Equity (ROE) | 13.2079% | 1,335 |
| Retained earnings to average equity (ytd only) | 7.0904% | 2,176 |
| Net charge-offs to loans | 0.0623% | 4,581 |
| Credit loss provision to net charge-offs | 554.2056% | 1,011 |
| Earnings coverage of net charge-offs (x) | 34.6168% | 953 |
| Efficiency ratio | 61.5632% | 6,138 |
| Assets per employee ($millions) | 3.3942% | 5,090 |
| Cash dividends to net income (ytd only)* | 46.3167% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 5,288 |
| Loan loss allowance to noncurrent loans | 60.1965% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 1.4270% | 3,798 |
| Noncurrent loans to loans | 1.8699% | 3,460 |
| Net loans and leases to total assets | 75.4538% | 2,402 |
| Net loans and leases to deposits | 105.1567% | 930 |
| Net loans and leases to core deposits | 116.2839% | 2,774 |
| Total domestic deposits to total assets | 71.7537% | 7,245 |
| Equity capital to assets | 7.6576% | 7,212 |
| Core capital (leverage) ratio | 7.4635% | 7,197 |
| Tier 1 risk-based capital ratio | 9.3420% | 7,554 |
| Total risk-based capital ratio | 10.4521% | 7,660 |
| Memoranda: | ||
| Average total assets | $905,433,000 | 777 |
| Average earning assets | $822,038,500 | 774 |
| Average equity | $68,656,000 | 977 |
| Average total loans | $686,495,000 | 727 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2793% | 4,072 |
| Cost of funding earning assets | 2.0858% | 6,110 |
| Net interest margin | 4.1935% | 2,337 |
| Noninterest income to average assets | 0.8775% | 2,065 |
| Noninterest expense to average assets | 2.7481% | 5,055 |
| Loan and lease loss provision to assets | 0.1402% | 5,562 |
| Net operating income to assets | 1.3043% | 1,474 |
| Return on assets (ROA) | 1.2957% | 1,446 |
| Pretax return on assets | 1.7657% | 1,005 |
| Return on Equity (ROE) | 16.2898% | 729 |
| Retained earnings to average equity (ytd only) | 10.8732% | 338 |
| Net charge-offs to loans | 0.1926% | 4,264 |
| Credit loss provision to net charge-offs | 99.6658% | 5,388 |
| Earnings coverage of net charge-offs (x) | 13.6358% | 2,117 |
| Efficiency ratio | 57.9674% | 6,703 |
| Assets per employee ($millions) | 3.4399% | 4,826 |
| Cash dividends to net income (ytd only)* | 33.2517% | 3,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 5,360 |
| Loan loss allowance to noncurrent loans | 183.9250% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4455% | 5,880 |
| Noncurrent loans to loans | 0.5915% | 5,604 |
| Net loans and leases to total assets | 74.4985% | 2,994 |
| Net loans and leases to deposits | 106.4903% | 1,081 |
| Net loans and leases to core deposits | 115.8029% | 3,144 |
| Total domestic deposits to total assets | 69.9580% | 7,280 |
| Equity capital to assets | 7.5064% | 7,373 |
| Core capital (leverage) ratio | 7.2554% | 7,465 |
| Tier 1 risk-based capital ratio | 9.2139% | 7,599 |
| Total risk-based capital ratio | 10.2871% | 7,738 |
| Memoranda: | ||
| Average total assets | $851,140,200 | 799 |
| Average earning assets | $768,881,400 | 805 |
| Average equity | $67,698,800 | 988 |
| Average total loans | $621,567,000 | 768 |