Home > Glenview State Bank > Performance and Condition Ratios
Glenview State Bank, Performance and Condition Ratios
| 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 | 0.2149% | 4,942 |
| Cost of funding earning assets | 0.0075% | 4,920 |
| Net interest margin | 0.2074% | 4,941 |
| Noninterest income to average assets | 0.0877% | 4,738 |
| Noninterest expense to average assets | 0.5108% | 4,931 |
| Loan and lease loss provision to assets | 0.5445% | 92 |
| Net operating income to assets | -0.6011% | 4,877 |
| Return on assets (ROA) | -0.5913% | 4,881 |
| Pretax return on assets | -0.7542% | 4,885 |
| Return on Equity (ROE) | -5.5383% | 4,882 |
| Retained earnings to average equity (ytd only) | -82.4591% | 4,945 |
| Net charge-offs to loans | -0.0013% | 3,118 |
| Credit loss provision to net charge-offs | -127,500.0000% | 4,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 163.3476% | 33 |
| Assets per employee ($millions) | 10.4779% | 527 |
| Cash dividends to net income (ytd only)* | -1,388.8889% | 4,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8600% | 791 |
| Loan loss allowance to noncurrent loans | 179.9910% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.3099% | 2,369 |
| Noncurrent loans to loans | 1.0334% | 1,186 |
| Net loans and leases to total assets | 29.4268% | 4,666 |
| Net loans and leases to deposits | 32.4265% | 4,717 |
| Net loans and leases to core deposits | 33.5183% | 4,721 |
| Total domestic deposits to total assets | 90.7492% | 463 |
| Equity capital to assets | 8.6465% | 4,094 |
| Core capital (leverage) ratio | 7.3468% | 4,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,461,191,667 | 705 |
| Average earning assets | $1,415,760,333 | 675 |
| Average equity | $156,004,667 | 691 |
| Average total loans | $453,157,000 | 1,281 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3762% | 4,724 |
| Cost of funding earning assets | 0.1631% | 4,215 |
| Net interest margin | 2.2131% | 4,602 |
| Noninterest income to average assets | 0.5712% | 2,324 |
| Noninterest expense to average assets | 1.8797% | 4,032 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8494% | 3,273 |
| Return on assets (ROA) | 0.9582% | 3,036 |
| Pretax return on assets | 0.9614% | 3,475 |
| Return on Equity (ROE) | 8.2141% | 3,266 |
| Retained earnings to average equity (ytd only) | 4.2362% | 3,439 |
| Net charge-offs to loans | -0.0103% | 3,675 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7953% | 1,836 |
| Assets per employee ($millions) | 10.9611% | 454 |
| Cash dividends to net income (ytd only)* | 48.4282% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7712% | 191 |
| Loan loss allowance to noncurrent loans | 236.7470% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.3563% | 2,377 |
| Noncurrent loans to loans | 1.1706% | 1,133 |
| Net loans and leases to total assets | 29.5985% | 4,708 |
| Net loans and leases to deposits | 33.8890% | 4,731 |
| Net loans and leases to core deposits | 35.0307% | 4,739 |
| Total domestic deposits to total assets | 87.3396% | 2,161 |
| Equity capital to assets | 11.2205% | 1,708 |
| Core capital (leverage) ratio | 10.3029% | 2,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,474,051,000 | 692 |
| Average earning assets | $1,439,428,000 | 656 |
| Average equity | $171,948,000 | 627 |
| Average total loans | $464,525,500 | 1,254 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6212% | 4,819 |
| Cost of funding earning assets | 0.2986% | 4,154 |
| Net interest margin | 2.3226% | 4,707 |
| Noninterest income to average assets | 0.7226% | 1,779 |
| Noninterest expense to average assets | 1.8849% | 4,345 |
| Loan and lease loss provision to assets | 0.2672% | 1,442 |
| Net operating income to assets | 0.8139% | 3,036 |
| Return on assets (ROA) | 0.8621% | 2,991 |
| Pretax return on assets | 0.8687% | 3,455 |
| Return on Equity (ROE) | 6.9952% | 3,209 |
| Retained earnings to average equity (ytd only) | 3.3108% | 3,170 |
| Net charge-offs to loans | 0.0089% | 3,010 |
| Credit loss provision to net charge-offs | 8,488.3721% | 125 |
| Earnings coverage of net charge-offs (x) | 345.3953% | 312 |
| Efficiency ratio | 63.4205% | 2,908 |
| Assets per employee ($millions) | 10.0510% | 524 |
| Cash dividends to net income (ytd only)* | 52.6705% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6437% | 213 |
| Loan loss allowance to noncurrent loans | 290.1617% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.2971% | 2,812 |
| Noncurrent loans to loans | 0.9111% | 1,548 |
| Net loans and leases to total assets | 31.7474% | 4,712 |
| Net loans and leases to deposits | 36.7495% | 4,726 |
| Net loans and leases to core deposits | 38.0429% | 4,739 |
| Total domestic deposits to total assets | 86.3886% | 2,191 |
| Equity capital to assets | 12.1196% | 1,513 |
| Core capital (leverage) ratio | 10.3926% | 2,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,366,139,200 | 672 |
| Average earning assets | $1,323,081,000 | 637 |
| Average equity | $168,357,600 | 609 |
| Average total loans | $480,487,800 | 1,179 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7315% | 4,855 |
| Cost of funding earning assets | 0.3329% | 4,136 |
| Net interest margin | 2.3986% | 4,724 |
| Noninterest income to average assets | 0.7523% | 1,640 |
| Noninterest expense to average assets | 1.8969% | 4,332 |
| Loan and lease loss provision to assets | 0.3623% | 1,029 |
| Net operating income to assets | 0.8052% | 3,066 |
| Return on assets (ROA) | 0.8701% | 2,957 |
| Pretax return on assets | 0.8766% | 3,447 |
| Return on Equity (ROE) | 7.0285% | 3,183 |
| Retained earnings to average equity (ytd only) | 2.0550% | 3,917 |
| Net charge-offs to loans | 0.0136% | 2,631 |
| Credit loss provision to net charge-offs | 7,448.9796% | 155 |
| Earnings coverage of net charge-offs (x) | 241.2653% | 428 |
| Efficiency ratio | 61.7832% | 3,107 |
| Assets per employee ($millions) | 9.6236% | 573 |
| Cash dividends to net income (ytd only)* | 70.7620% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6243% | 201 |
| Loan loss allowance to noncurrent loans | 286.1896% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.3145% | 2,897 |
| Noncurrent loans to loans | 0.9170% | 1,627 |
| Net loans and leases to total assets | 33.3925% | 4,758 |
| Net loans and leases to deposits | 38.8731% | 4,780 |
| Net loans and leases to core deposits | 40.1799% | 4,780 |
| Total domestic deposits to total assets | 85.9013% | 2,110 |
| Equity capital to assets | 12.5480% | 1,401 |
| Core capital (leverage) ratio | 10.4348% | 2,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,343,325,500 | 664 |
| Average earning assets | $1,298,175,750 | 634 |
| Average equity | $166,289,250 | 608 |
| Average total loans | $481,797,750 | 1,171 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9013% | 4,880 |
| Cost of funding earning assets | 0.3710% | 4,169 |
| Net interest margin | 2.5302% | 4,715 |
| Noninterest income to average assets | 0.7297% | 1,642 |
| Noninterest expense to average assets | 1.9996% | 4,237 |
| Loan and lease loss provision to assets | 0.3997% | 1,010 |
| Net operating income to assets | 0.7668% | 3,170 |
| Return on assets (ROA) | 0.8652% | 2,940 |
| Pretax return on assets | 0.8718% | 3,393 |
| Return on Equity (ROE) | 7.0228% | 3,122 |
| Retained earnings to average equity (ytd only) | 1.1558% | 4,054 |
| Net charge-offs to loans | 0.0112% | 2,555 |
| Credit loss provision to net charge-offs | 9,814.8148% | 122 |
| Earnings coverage of net charge-offs (x) | 287.8148% | 329 |
| Efficiency ratio | 63.0445% | 2,949 |
| Assets per employee ($millions) | 9.7183% | 544 |
| Cash dividends to net income (ytd only)* | 83.5425% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3055% | 285 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 35.3089% | 4,741 |
| Net loans and leases to deposits | 41.5107% | 4,758 |
| Net loans and leases to core deposits | 43.0462% | 4,773 |
| Total domestic deposits to total assets | 85.0598% | 2,372 |
| Equity capital to assets | 12.4640% | 1,393 |
| Core capital (leverage) ratio | 10.3224% | 2,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,325,957,667 | 659 |
| Average earning assets | $1,279,719,000 | 625 |
| Average equity | $163,352,667 | 617 |
| Average total loans | $482,888,000 | 1,144 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9088% | 4,975 |
| Cost of funding earning assets | 0.4245% | 4,262 |
| Net interest margin | 2.4843% | 4,837 |
| Noninterest income to average assets | 0.6803% | 1,725 |
| Noninterest expense to average assets | 2.0336% | 4,337 |
| Loan and lease loss provision to assets | 0.0464% | 3,196 |
| Net operating income to assets | 0.9897% | 2,214 |
| Return on assets (ROA) | 1.0460% | 2,117 |
| Pretax return on assets | 1.0500% | 2,664 |
| Return on Equity (ROE) | 8.5443% | 2,295 |
| Retained earnings to average equity (ytd only) | 5.3275% | 2,145 |
| Net charge-offs to loans | 0.0059% | 2,361 |
| Credit loss provision to net charge-offs | 2,142.8571% | 325 |
| Earnings coverage of net charge-offs (x) | 480.7143% | 135 |
| Efficiency ratio | 66.1605% | 2,941 |
| Assets per employee ($millions) | 8.7710% | 572 |
| Cash dividends to net income (ytd only)* | 37.6478% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9323% | 570 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 35.8206% | 4,784 |
| Net loans and leases to deposits | 41.6847% | 4,806 |
| Net loans and leases to core deposits | 43.3535% | 4,820 |
| Total domestic deposits to total assets | 85.9322% | 2,026 |
| Equity capital to assets | 12.6940% | 1,625 |
| Core capital (leverage) ratio | 10.9499% | 2,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,294,078,500 | 646 |
| Average earning assets | $1,246,714,500 | 612 |
| Average equity | $158,422,000 | 628 |
| Average total loans | $473,195,500 | 1,143 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0544% | 5,042 |
| Cost of funding earning assets | 0.4177% | 4,383 |
| Net interest margin | 2.6367% | 4,881 |
| Noninterest income to average assets | 0.6050% | 2,195 |
| Noninterest expense to average assets | 2.0149% | 4,510 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1303% | 2,337 |
| Return on assets (ROA) | 1.1412% | 2,389 |
| Pretax return on assets | 1.1474% | 3,018 |
| Return on Equity (ROE) | 10.0245% | 2,286 |
| Retained earnings to average equity (ytd only) | 2.0444% | 3,979 |
| Net charge-offs to loans | 0.0114% | 3,282 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 258.1071% | 318 |
| Efficiency ratio | 63.9380% | 3,081 |
| Assets per employee ($millions) | 8.8355% | 527 |
| Cash dividends to net income (ytd only)* | 79.6059% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8839% | 573 |
| Loan loss allowance to noncurrent loans | 6,490.5797% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 4,613 |
| Noncurrent loans to loans | 0.0290% | 4,447 |
| Net loans and leases to total assets | 35.9162% | 4,840 |
| Net loans and leases to deposits | 41.9497% | 4,868 |
| Net loans and leases to core deposits | 43.5373% | 4,882 |
| Total domestic deposits to total assets | 85.6171% | 2,230 |
| Equity capital to assets | 11.7935% | 2,286 |
| Core capital (leverage) ratio | 10.8482% | 2,636 |
| Tier 1 risk-based capital ratio | 17.1600% | 2,004 |
| Total risk-based capital ratio | 18.2576% | 1,993 |
| Memoranda: | ||
| Average total assets | $1,271,858,600 | 625 |
| Average earning assets | $1,228,271,200 | 598 |
| Average equity | $144,785,800 | 647 |
| Average total loans | $492,331,800 | 1,091 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0950% | 5,129 |
| Cost of funding earning assets | 0.4079% | 4,475 |
| Net interest margin | 2.6871% | 4,947 |
| Noninterest income to average assets | 0.6236% | 2,090 |
| Noninterest expense to average assets | 2.0421% | 4,470 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1661% | 2,314 |
| Return on assets (ROA) | 1.1799% | 2,347 |
| Pretax return on assets | 1.1864% | 3,022 |
| Return on Equity (ROE) | 10.4617% | 2,230 |
| Retained earnings to average equity (ytd only) | 2.9359% | 3,917 |
| Net charge-offs to loans | 0.0183% | 2,770 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 163.5962% | 509 |
| Efficiency ratio | 63.5291% | 3,089 |
| Assets per employee ($millions) | 8.4057% | 594 |
| Cash dividends to net income (ytd only)* | 71.9364% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8427% | 622 |
| Loan loss allowance to noncurrent loans | 1,987.7778% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0355% | 4,545 |
| Noncurrent loans to loans | 0.0927% | 4,231 |
| Net loans and leases to total assets | 37.5408% | 4,879 |
| Net loans and leases to deposits | 44.4378% | 4,901 |
| Net loans and leases to core deposits | 46.2037% | 4,918 |
| Total domestic deposits to total assets | 84.4794% | 2,639 |
| Equity capital to assets | 12.2167% | 2,100 |
| Core capital (leverage) ratio | 11.0462% | 2,604 |
| Tier 1 risk-based capital ratio | 16.9674% | 2,095 |
| Total risk-based capital ratio | 18.0499% | 2,100 |
| Memoranda: | ||
| Average total assets | $1,265,119,750 | 629 |
| Average earning assets | $1,219,811,500 | 605 |
| Average equity | $142,688,500 | 649 |
| Average total loans | $496,554,500 | 1,089 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0937% | 5,187 |
| Cost of funding earning assets | 0.3819% | 4,575 |
| Net interest margin | 2.7119% | 4,993 |
| Noninterest income to average assets | 0.6169% | 2,076 |
| Noninterest expense to average assets | 2.0270% | 4,558 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1984% | 2,153 |
| Return on assets (ROA) | 1.1892% | 2,251 |
| Pretax return on assets | 1.1960% | 2,919 |
| Return on Equity (ROE) | 10.8455% | 2,043 |
| Retained earnings to average equity (ytd only) | 1.0464% | 4,424 |
| Net charge-offs to loans | 0.0172% | 2,539 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 177.1163% | 428 |
| Efficiency ratio | 62.7105% | 3,329 |
| Assets per employee ($millions) | 8.4896% | 554 |
| Cash dividends to net income (ytd only)* | 90.3513% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8343% | 638 |
| Loan loss allowance to noncurrent loans | 743.7811% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 4,279 |
| Noncurrent loans to loans | 0.2466% | 3,653 |
| Net loans and leases to total assets | 37.9494% | 4,916 |
| Net loans and leases to deposits | 44.6775% | 4,938 |
| Net loans and leases to core deposits | 46.3506% | 4,948 |
| Total domestic deposits to total assets | 84.9407% | 2,501 |
| Equity capital to assets | 11.7570% | 2,375 |
| Core capital (leverage) ratio | 10.8857% | 2,706 |
| Tier 1 risk-based capital ratio | 16.5280% | 2,224 |
| Total risk-based capital ratio | 17.6030% | 2,227 |
| Memoranda: | ||
| Average total assets | $1,263,740,330 | 631 |
| Average earning assets | $1,218,792,000 | 605 |
| Average equity | $138,564,330 | 662 |
| Average total loans | $500,261,330 | 1,079 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0688% | 5,253 |
| Cost of funding earning assets | 0.3449% | 4,698 |
| Net interest margin | 2.7239% | 5,045 |
| Noninterest income to average assets | 0.5998% | 2,045 |
| Noninterest expense to average assets | 2.0175% | 4,607 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2036% | 2,038 |
| Return on assets (ROA) | 1.1923% | 2,138 |
| Pretax return on assets | 1.1992% | 2,805 |
| Return on Equity (ROE) | 11.2821% | 1,830 |
| Retained earnings to average equity (ytd only) | 4.4139% | 3,163 |
| Net charge-offs to loans | 0.0103% | 2,321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 294.0769% | 276 |
| Efficiency ratio | 62.4975% | 3,452 |
| Assets per employee ($millions) | 8.5674% | 548 |
| Cash dividends to net income (ytd only)* | 60.8765% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8084% | 700 |
| Loan loss allowance to noncurrent loans | 6,521.7391% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 4,822 |
| Noncurrent loans to loans | 0.0277% | 4,656 |
| Net loans and leases to total assets | 38.2807% | 4,948 |
| Net loans and leases to deposits | 44.4477% | 4,975 |
| Net loans and leases to core deposits | 45.8023% | 4,995 |
| Total domestic deposits to total assets | 86.1252% | 2,216 |
| Equity capital to assets | 10.9553% | 2,903 |
| Core capital (leverage) ratio | 10.9709% | 2,598 |
| Tier 1 risk-based capital ratio | 16.4476% | 2,288 |
| Total risk-based capital ratio | 17.5157% | 2,295 |
| Memoranda: | ||
| Average total assets | $1,263,132,000 | 636 |
| Average earning assets | $1,218,861,500 | 605 |
| Average equity | $133,486,000 | 686 |
| Average total loans | $505,885,500 | 1,065 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8771% | 5,270 |
| Cost of funding earning assets | 0.1979% | 5,012 |
| Net interest margin | 2.6792% | 5,114 |
| Noninterest income to average assets | 0.6416% | 2,088 |
| Noninterest expense to average assets | 1.9827% | 4,780 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2175% | 2,096 |
| Return on assets (ROA) | 1.1731% | 2,290 |
| Pretax return on assets | 1.1807% | 2,961 |
| Return on Equity (ROE) | 11.7963% | 1,784 |
| Retained earnings to average equity (ytd only) | 3.9065% | 3,434 |
| Net charge-offs to loans | -0.0036% | 4,300 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8011% | 3,566 |
| Assets per employee ($millions) | 8.3874% | 586 |
| Cash dividends to net income (ytd only)* | 66.8835% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7532% | 747 |
| Loan loss allowance to noncurrent loans | 6,531.1594% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 4,846 |
| Noncurrent loans to loans | 0.0268% | 4,651 |
| Net loans and leases to total assets | 40.4161% | 4,930 |
| Net loans and leases to deposits | 46.0721% | 4,980 |
| Net loans and leases to core deposits | 47.3357% | 4,999 |
| Total domestic deposits to total assets | 87.7238% | 1,437 |
| Equity capital to assets | 10.1721% | 3,501 |
| Core capital (leverage) ratio | 10.8641% | 2,663 |
| Tier 1 risk-based capital ratio | 15.7472% | 2,514 |
| Total risk-based capital ratio | 16.7827% | 2,525 |
| Memoranda: | ||
| Average total assets | $1,258,194,000 | 624 |
| Average earning assets | $1,205,330,800 | 596 |
| Average equity | $125,123,800 | 692 |
| Average total loans | $528,733,600 | 991 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8185% | 5,353 |
| Cost of funding earning assets | 0.1732% | 5,124 |
| Net interest margin | 2.6453% | 5,200 |
| Noninterest income to average assets | 0.6395% | 2,120 |
| Noninterest expense to average assets | 1.9752% | 4,783 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1849% | 2,291 |
| Return on assets (ROA) | 1.1841% | 2,299 |
| Pretax return on assets | 1.1921% | 3,017 |
| Return on Equity (ROE) | 11.9749% | 1,800 |
| Retained earnings to average equity (ytd only) | 5.1578% | 3,151 |
| Net charge-offs to loans | -0.0070% | 4,304 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3489% | 3,450 |
| Assets per employee ($millions) | 8.5357% | 527 |
| Cash dividends to net income (ytd only)* | 56.9284% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7539% | 792 |
| Loan loss allowance to noncurrent loans | 1,957.0499% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 4,803 |
| Noncurrent loans to loans | 0.0896% | 4,484 |
| Net loans and leases to total assets | 40.2763% | 5,019 |
| Net loans and leases to deposits | 45.8444% | 5,057 |
| Net loans and leases to core deposits | 47.1144% | 5,084 |
| Total domestic deposits to total assets | 87.8542% | 1,305 |
| Equity capital to assets | 9.8160% | 3,806 |
| Core capital (leverage) ratio | 10.8834% | 2,692 |
| Tier 1 risk-based capital ratio | 15.4179% | 2,681 |
| Total risk-based capital ratio | 16.4336% | 2,724 |
| Memoranda: | ||
| Average total assets | $1,260,313,500 | 623 |
| Average earning assets | $1,204,657,750 | 597 |
| Average equity | $124,624,250 | 690 |
| Average total loans | $532,392,000 | 979 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7630% | 5,419 |
| Cost of funding earning assets | 0.1535% | 5,228 |
| Net interest margin | 2.6095% | 5,270 |
| Noninterest income to average assets | 0.6353% | 2,155 |
| Noninterest expense to average assets | 1.9864% | 4,822 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1328% | 2,467 |
| Return on assets (ROA) | 1.1331% | 2,472 |
| Pretax return on assets | 1.1411% | 3,164 |
| Return on Equity (ROE) | 11.4315% | 1,936 |
| Retained earnings to average equity (ytd only) | 3.6704% | 3,759 |
| Net charge-offs to loans | -0.0093% | 4,299 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5217% | 3,381 |
| Assets per employee ($millions) | 8.0912% | 609 |
| Cash dividends to net income (ytd only)* | 67.8926% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6876% | 921 |
| Loan loss allowance to noncurrent loans | 6,535.5072% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 4,988 |
| Noncurrent loans to loans | 0.0258% | 4,812 |
| Net loans and leases to total assets | 42.1655% | 4,980 |
| Net loans and leases to deposits | 47.7711% | 5,034 |
| Net loans and leases to core deposits | 48.7617% | 5,067 |
| Total domestic deposits to total assets | 88.2658% | 1,239 |
| Equity capital to assets | 9.7651% | 3,858 |
| Core capital (leverage) ratio | 10.6906% | 2,821 |
| Tier 1 risk-based capital ratio | 14.6636% | 3,034 |
| Total risk-based capital ratio | 15.6472% | 3,080 |
| Memoranda: | ||
| Average total assets | $1,262,170,330 | 621 |
| Average earning assets | $1,205,293,000 | 594 |
| Average equity | $125,110,670 | 685 |
| Average total loans | $538,394,000 | 974 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6668% | 5,491 |
| Cost of funding earning assets | 0.1392% | 5,316 |
| Net interest margin | 2.5276% | 5,375 |
| Noninterest income to average assets | 0.6377% | 2,089 |
| Noninterest expense to average assets | 1.9820% | 4,882 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0613% | 2,601 |
| Return on assets (ROA) | 1.0738% | 2,561 |
| Pretax return on assets | 1.0807% | 3,244 |
| Return on Equity (ROE) | 10.7548% | 2,068 |
| Retained earnings to average equity (ytd only) | 10.7548% | 953 |
| Net charge-offs to loans | -0.0015% | 3,782 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9804% | 3,320 |
| Assets per employee ($millions) | 8.6563% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6916% | 963 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 40.8081% | 5,038 |
| Net loans and leases to deposits | 46.0347% | 5,096 |
| Net loans and leases to core deposits | 46.9243% | 5,125 |
| Total domestic deposits to total assets | 88.6464% | 1,285 |
| Equity capital to assets | 9.7302% | 3,858 |
| Core capital (leverage) ratio | 10.7610% | 2,676 |
| Tier 1 risk-based capital ratio | 14.8389% | 2,960 |
| Total risk-based capital ratio | 15.8249% | 2,988 |
| Memoranda: | ||
| Average total assets | $1,270,235,000 | 620 |
| Average earning assets | $1,212,383,000 | 595 |
| Average equity | $126,827,500 | 674 |
| Average total loans | $540,381,500 | 977 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5185% | 5,548 |
| Cost of funding earning assets | 0.1067% | 5,472 |
| Net interest margin | 2.4119% | 5,458 |
| Noninterest income to average assets | 0.6162% | 2,375 |
| Noninterest expense to average assets | 1.9272% | 5,081 |
| Loan and lease loss provision to assets | 0.0318% | 3,633 |
| Net operating income to assets | 0.9500% | 2,447 |
| Return on assets (ROA) | 0.9615% | 2,432 |
| Pretax return on assets | 0.9687% | 3,679 |
| Return on Equity (ROE) | 9.2488% | 2,193 |
| Retained earnings to average equity (ytd only) | 1.0441% | 4,613 |
| Net charge-offs to loans | 0.0062% | 3,857 |
| Credit loss provision to net charge-offs | 1,142.8571% | 321 |
| Earnings coverage of net charge-offs (x) | 355.3143% | 247 |
| Efficiency ratio | 66.0876% | 3,252 |
| Assets per employee ($millions) | 8.2309% | 589 |
| Cash dividends to net income (ytd only)* | 88.7106% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6384% | 1,056 |
| Loan loss allowance to noncurrent loans | 9,084.8485% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 5,138 |
| Noncurrent loans to loans | 0.0180% | 4,943 |
| Net loans and leases to total assets | 42.8771% | 5,039 |
| Net loans and leases to deposits | 48.2303% | 5,117 |
| Net loans and leases to core deposits | 49.0773% | 5,164 |
| Total domestic deposits to total assets | 88.9009% | 1,046 |
| Equity capital to assets | 10.2433% | 3,445 |
| Core capital (leverage) ratio | 10.5101% | 2,838 |
| Tier 1 risk-based capital ratio | 15.1371% | 2,781 |
| Total risk-based capital ratio | 16.1676% | 2,818 |
| Memoranda: | ||
| Average total assets | $1,257,551,800 | 606 |
| Average earning assets | $1,199,154,600 | 586 |
| Average equity | $130,730,800 | 633 |
| Average total loans | $560,212,400 | 922 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4905% | 5,617 |
| Cost of funding earning assets | 0.1028% | 5,546 |
| Net interest margin | 2.3877% | 5,533 |
| Noninterest income to average assets | 0.6060% | 2,442 |
| Noninterest expense to average assets | 1.9314% | 5,089 |
| Loan and lease loss provision to assets | 0.0424% | 3,258 |
| Net operating income to assets | 0.9024% | 3,015 |
| Return on assets (ROA) | 0.9291% | 2,944 |
| Pretax return on assets | 0.9363% | 3,914 |
| Return on Equity (ROE) | 8.9046% | 2,660 |
| Retained earnings to average equity (ytd only) | 2.0229% | 4,628 |
| Net charge-offs to loans | 0.0054% | 3,539 |
| Credit loss provision to net charge-offs | 1,739.1304% | 227 |
| Earnings coverage of net charge-offs (x) | 390.1216% | 243 |
| Efficiency ratio | 66.9879% | 3,052 |
| Assets per employee ($millions) | 8.1963% | 589 |
| Cash dividends to net income (ytd only)* | 77.2831% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6017% | 1,237 |
| Loan loss allowance to noncurrent loans | 4,525.6281% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 5,175 |
| Noncurrent loans to loans | 0.0354% | 4,960 |
| Net loans and leases to total assets | 44.4091% | 5,006 |
| Net loans and leases to deposits | 50.1580% | 5,123 |
| Net loans and leases to core deposits | 50.8323% | 5,171 |
| Total domestic deposits to total assets | 88.5384% | 1,102 |
| Equity capital to assets | 10.7554% | 3,113 |
| Core capital (leverage) ratio | 10.6163% | 2,860 |
| Tier 1 risk-based capital ratio | 14.7693% | 3,024 |
| Total risk-based capital ratio | 15.7708% | 3,084 |
| Memoranda: | ||
| Average total assets | $1,257,107,000 | 606 |
| Average earning assets | $1,198,871,500 | 587 |
| Average equity | $131,164,250 | 628 |
| Average total loans | $563,025,750 | 912 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4321% | 5,678 |
| Cost of funding earning assets | 0.1003% | 5,596 |
| Net interest margin | 2.3317% | 5,597 |
| Noninterest income to average assets | 0.6104% | 2,407 |
| Noninterest expense to average assets | 1.9274% | 5,131 |
| Loan and lease loss provision to assets | 0.0397% | 3,217 |
| Net operating income to assets | 0.8598% | 3,115 |
| Return on assets (ROA) | 0.9002% | 2,968 |
| Pretax return on assets | 0.9073% | 3,907 |
| Return on Equity (ROE) | 8.7160% | 2,655 |
| Retained earnings to average equity (ytd only) | 1.0428% | 4,824 |
| Net charge-offs to loans | 0.0085% | 3,154 |
| Credit loss provision to net charge-offs | 1,041.6667% | 376 |
| Earnings coverage of net charge-offs (x) | 238.0417% | 355 |
| Efficiency ratio | 68.0195% | 3,011 |
| Assets per employee ($millions) | 8.1629% | 578 |
| Cash dividends to net income (ytd only)* | 88.0352% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5453% | 1,415 |
| Loan loss allowance to noncurrent loans | 3,585.0202% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 5,203 |
| Noncurrent loans to loans | 0.0431% | 4,976 |
| Net loans and leases to total assets | 44.8785% | 5,001 |
| Net loans and leases to deposits | 51.0933% | 5,098 |
| Net loans and leases to core deposits | 51.6880% | 5,158 |
| Total domestic deposits to total assets | 87.8364% | 1,538 |
| Equity capital to assets | 10.5878% | 3,244 |
| Core capital (leverage) ratio | 10.3879% | 3,036 |
| Tier 1 risk-based capital ratio | 14.2751% | 3,279 |
| Total risk-based capital ratio | 15.2365% | 3,349 |
| Memoranda: | ||
| Average total assets | $1,260,864,670 | 609 |
| Average earning assets | $1,202,193,670 | 590 |
| Average equity | $130,220,670 | 636 |
| Average total loans | $563,277,670 | 910 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3463% | 5,758 |
| Cost of funding earning assets | 0.0966% | 5,665 |
| Net interest margin | 2.2498% | 5,679 |
| Noninterest income to average assets | 0.6000% | 2,416 |
| Noninterest expense to average assets | 1.9396% | 5,166 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8019% | 3,215 |
| Return on assets (ROA) | 0.8138% | 3,217 |
| Pretax return on assets | 0.8195% | 4,041 |
| Return on Equity (ROE) | 7.9793% | 2,930 |
| Retained earnings to average equity (ytd only) | 5.0908% | 2,835 |
| Net charge-offs to loans | -0.0043% | 4,140 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6065% | 2,802 |
| Assets per employee ($millions) | 8.2110% | 566 |
| Cash dividends to net income (ytd only)* | 36.2009% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5308% | 1,578 |
| Loan loss allowance to noncurrent loans | 7,641.5929% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 5,327 |
| Noncurrent loans to loans | 0.0200% | 5,145 |
| Net loans and leases to total assets | 43.6425% | 5,058 |
| Net loans and leases to deposits | 49.6222% | 5,150 |
| Net loans and leases to core deposits | 50.1404% | 5,218 |
| Total domestic deposits to total assets | 87.9495% | 1,742 |
| Equity capital to assets | 10.2770% | 3,431 |
| Core capital (leverage) ratio | 10.4900% | 2,915 |
| Tier 1 risk-based capital ratio | 13.8109% | 3,595 |
| Total risk-based capital ratio | 14.7117% | 3,714 |
| Memoranda: | ||
| Average total assets | $1,262,757,500 | 607 |
| Average earning assets | $1,205,111,000 | 585 |
| Average equity | $128,782,500 | 639 |
| Average total loans | $558,410,000 | 919 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2298% | 5,817 |
| Cost of funding earning assets | 0.1001% | 5,702 |
| Net interest margin | 2.1297% | 5,777 |
| Noninterest income to average assets | 0.6176% | 2,565 |
| Noninterest expense to average assets | 1.9206% | 5,333 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7259% | 3,659 |
| Return on assets (ROA) | 0.7464% | 3,671 |
| Pretax return on assets | 0.7510% | 4,337 |
| Return on Equity (ROE) | 7.0397% | 3,446 |
| Retained earnings to average equity (ytd only) | 2.2738% | 4,231 |
| Net charge-offs to loans | -0.0167% | 5,081 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4516% | 2,518 |
| Assets per employee ($millions) | 8.0826% | 588 |
| Cash dividends to net income (ytd only)* | 67.7011% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5611% | 1,464 |
| Loan loss allowance to noncurrent loans | 7,636.2832% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 5,374 |
| Noncurrent loans to loans | 0.0204% | 5,191 |
| Net loans and leases to total assets | 43.4317% | 5,152 |
| Net loans and leases to deposits | 48.7188% | 5,264 |
| Net loans and leases to core deposits | 49.2698% | 5,323 |
| Total domestic deposits to total assets | 89.1477% | 1,040 |
| Equity capital to assets | 10.1188% | 3,584 |
| Core capital (leverage) ratio | 10.4011% | 2,987 |
| Tier 1 risk-based capital ratio | 13.2043% | 3,946 |
| Total risk-based capital ratio | 14.0757% | 4,083 |
| Memoranda: | ||
| Average total assets | $1,238,959,600 | 599 |
| Average earning assets | $1,182,868,400 | 572 |
| Average equity | $131,368,800 | 609 |
| Average total loans | $513,874,000 | 954 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2153% | 5,889 |
| Cost of funding earning assets | 0.1006% | 5,767 |
| Net interest margin | 2.1147% | 5,847 |
| Noninterest income to average assets | 0.6261% | 2,542 |
| Noninterest expense to average assets | 1.9130% | 5,356 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7284% | 3,704 |
| Return on assets (ROA) | 0.7539% | 3,716 |
| Pretax return on assets | 0.7586% | 4,444 |
| Return on Equity (ROE) | 7.0288% | 3,548 |
| Retained earnings to average equity (ytd only) | 2.7417% | 4,252 |
| Net charge-offs to loans | -0.0219% | 5,040 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3020% | 2,530 |
| Assets per employee ($millions) | 8.1338% | 556 |
| Cash dividends to net income (ytd only)* | 60.9934% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6259% | 1,394 |
| Loan loss allowance to noncurrent loans | 7,634.5133% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 5,492 |
| Noncurrent loans to loans | 0.0213% | 5,304 |
| Net loans and leases to total assets | 41.6697% | 5,311 |
| Net loans and leases to deposits | 47.5423% | 5,392 |
| Net loans and leases to core deposits | 48.1039% | 5,451 |
| Total domestic deposits to total assets | 87.6477% | 1,592 |
| Equity capital to assets | 10.9192% | 3,101 |
| Core capital (leverage) ratio | 10.4800% | 3,017 |
| Tier 1 risk-based capital ratio | 13.2145% | 4,028 |
| Total risk-based capital ratio | 14.0861% | 4,172 |
| Memoranda: | ||
| Average total assets | $1,235,498,250 | 597 |
| Average earning assets | $1,180,004,250 | 567 |
| Average equity | $132,518,750 | 607 |
| Average total loans | $504,156,750 | 973 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2086% | 5,971 |
| Cost of funding earning assets | 0.1023% | 5,845 |
| Net interest margin | 2.1063% | 5,930 |
| Noninterest income to average assets | 0.6222% | 2,499 |
| Noninterest expense to average assets | 1.9094% | 5,436 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7202% | 3,697 |
| Return on assets (ROA) | 0.7450% | 3,730 |
| Pretax return on assets | 0.7499% | 4,454 |
| Return on Equity (ROE) | 6.9886% | 3,547 |
| Retained earnings to average equity (ytd only) | 2.3265% | 4,394 |
| Net charge-offs to loans | -0.0186% | 4,917 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4843% | 2,586 |
| Assets per employee ($millions) | 8.1840% | 529 |
| Cash dividends to net income (ytd only)* | 66.7103% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7124% | 1,248 |
| Loan loss allowance to noncurrent loans | 3,181.1111% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 5,508 |
| Noncurrent loans to loans | 0.0538% | 5,245 |
| Net loans and leases to total assets | 39.8935% | 5,428 |
| Net loans and leases to deposits | 45.7843% | 5,504 |
| Net loans and leases to core deposits | 46.3473% | 5,553 |
| Total domestic deposits to total assets | 87.1337% | 1,846 |
| Equity capital to assets | 10.9360% | 3,123 |
| Core capital (leverage) ratio | 10.3749% | 3,106 |
| Tier 1 risk-based capital ratio | 13.3419% | 3,994 |
| Total risk-based capital ratio | 14.2260% | 4,127 |
| Memoranda: | ||
| Average total assets | $1,229,793,670 | 596 |
| Average earning assets | $1,174,757,670 | 571 |
| Average equity | $131,100,000 | 615 |
| Average total loans | $495,346,670 | 986 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1739% | 6,037 |
| Cost of funding earning assets | 0.1021% | 5,909 |
| Net interest margin | 2.0718% | 6,001 |
| Noninterest income to average assets | 0.6149% | 2,444 |
| Noninterest expense to average assets | 1.9306% | 5,477 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6589% | 3,937 |
| Return on assets (ROA) | 0.6528% | 4,085 |
| Pretax return on assets | 0.6567% | 4,660 |
| Return on Equity (ROE) | 6.2040% | 3,872 |
| Retained earnings to average equity (ytd only) | 3.4553% | 3,773 |
| Net charge-offs to loans | -0.0098% | 4,525 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4405% | 2,407 |
| Assets per employee ($millions) | 7.9688% | 574 |
| Cash dividends to net income (ytd only)* | 44.3057% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7372% | 1,273 |
| Loan loss allowance to noncurrent loans | 5,449.0446% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 5,610 |
| Noncurrent loans to loans | 0.0319% | 5,365 |
| Net loans and leases to total assets | 38.9264% | 5,513 |
| Net loans and leases to deposits | 44.4268% | 5,574 |
| Net loans and leases to core deposits | 44.9770% | 5,627 |
| Total domestic deposits to total assets | 87.6192% | 1,851 |
| Equity capital to assets | 10.6724% | 3,290 |
| Core capital (leverage) ratio | 10.5523% | 2,905 |
| Tier 1 risk-based capital ratio | 13.5950% | 3,925 |
| Total risk-based capital ratio | 14.4955% | 4,049 |
| Memoranda: | ||
| Average total assets | $1,226,796,000 | 594 |
| Average earning assets | $1,171,542,000 | 569 |
| Average equity | $129,077,000 | 620 |
| Average total loans | $492,225,500 | 986 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0747% | 6,092 |
| Cost of funding earning assets | 0.1078% | 5,931 |
| Net interest margin | 1.9668% | 6,053 |
| Noninterest income to average assets | 0.6277% | 2,573 |
| Noninterest expense to average assets | 1.8674% | 5,655 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6406% | 4,080 |
| Return on assets (ROA) | 0.6810% | 3,999 |
| Pretax return on assets | 0.6849% | 4,570 |
| Return on Equity (ROE) | 6.5306% | 3,763 |
| Retained earnings to average equity (ytd only) | 2.6239% | 4,201 |
| Net charge-offs to loans | 0.0041% | 4,309 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 391.3000% | 171 |
| Efficiency ratio | 74.3519% | 2,524 |
| Assets per employee ($millions) | 7.8601% | 601 |
| Cash dividends to net income (ytd only)* | 59.8211% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7364% | 1,273 |
| Loan loss allowance to noncurrent loans | 1,316.3328% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 5,456 |
| Noncurrent loans to loans | 0.1319% | 4,962 |
| Net loans and leases to total assets | 39.9391% | 5,516 |
| Net loans and leases to deposits | 45.0565% | 5,610 |
| Net loans and leases to core deposits | 45.6350% | 5,666 |
| Total domestic deposits to total assets | 88.6422% | 1,314 |
| Equity capital to assets | 10.3664% | 3,547 |
| Core capital (leverage) ratio | 10.4888% | 2,948 |
| Tier 1 risk-based capital ratio | 13.9192% | 3,759 |
| Total risk-based capital ratio | 14.8488% | 3,882 |
| Memoranda: | ||
| Average total assets | $1,214,873,800 | 578 |
| Average earning assets | $1,163,659,200 | 555 |
| Average equity | $126,681,200 | 600 |
| Average total loans | $491,932,000 | 953 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0519% | 6,184 |
| Cost of funding earning assets | 0.1092% | 6,023 |
| Net interest margin | 1.9428% | 6,147 |
| Noninterest income to average assets | 0.6327% | 2,570 |
| Noninterest expense to average assets | 1.8595% | 5,700 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6313% | 4,233 |
| Return on assets (ROA) | 0.6709% | 4,139 |
| Pretax return on assets | 0.6749% | 4,762 |
| Return on Equity (ROE) | 6.4249% | 3,949 |
| Retained earnings to average equity (ytd only) | 2.8035% | 4,440 |
| Net charge-offs to loans | 0.0100% | 3,822 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 156.4932% | 447 |
| Efficiency ratio | 74.5483% | 2,465 |
| Assets per employee ($millions) | 7.9370% | 558 |
| Cash dividends to net income (ytd only)* | 56.3654% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7706% | 1,318 |
| Loan loss allowance to noncurrent loans | 439.0319% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 5,128 |
| Noncurrent loans to loans | 0.4033% | 4,168 |
| Net loans and leases to total assets | 38.6976% | 5,663 |
| Net loans and leases to deposits | 43.8726% | 5,730 |
| Net loans and leases to core deposits | 44.4743% | 5,776 |
| Total domestic deposits to total assets | 88.2045% | 1,453 |
| Equity capital to assets | 10.5602% | 3,534 |
| Core capital (leverage) ratio | 10.4317% | 3,129 |
| Tier 1 risk-based capital ratio | 14.4952% | 3,576 |
| Total risk-based capital ratio | 15.4655% | 3,654 |
| Memoranda: | ||
| Average total assets | $1,215,978,750 | 580 |
| Average earning assets | $1,165,236,750 | 557 |
| Average equity | $126,981,250 | 605 |
| Average total loans | $491,918,250 | 958 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0447% | 6,258 |
| Cost of funding earning assets | 0.1103% | 6,093 |
| Net interest margin | 1.9344% | 6,223 |
| Noninterest income to average assets | 0.6360% | 2,550 |
| Noninterest expense to average assets | 1.8719% | 5,751 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6158% | 4,268 |
| Return on assets (ROA) | 0.6558% | 4,205 |
| Pretax return on assets | 0.6602% | 4,790 |
| Return on Equity (ROE) | 6.3033% | 3,986 |
| Retained earnings to average equity (ytd only) | 2.3550% | 4,558 |
| Net charge-offs to loans | 0.0061% | 3,691 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 250.8000% | 275 |
| Efficiency ratio | 75.1240% | 2,525 |
| Assets per employee ($millions) | 7.7790% | 585 |
| Cash dividends to net income (ytd only)* | 62.6382% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7311% | 1,537 |
| Loan loss allowance to noncurrent loans | 498.1352% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.1414% | 5,295 |
| Noncurrent loans to loans | 0.3475% | 4,449 |
| Net loans and leases to total assets | 39.9859% | 5,632 |
| Net loans and leases to deposits | 45.4324% | 5,706 |
| Net loans and leases to core deposits | 46.0839% | 5,760 |
| Total domestic deposits to total assets | 88.0118% | 1,651 |
| Equity capital to assets | 10.3828% | 3,582 |
| Core capital (leverage) ratio | 10.2805% | 3,240 |
| Tier 1 risk-based capital ratio | 14.0777% | 3,879 |
| Total risk-based capital ratio | 15.0320% | 3,983 |
| Memoranda: | ||
| Average total assets | $1,213,871,330 | 581 |
| Average earning assets | $1,164,485,330 | 553 |
| Average equity | $126,282,330 | 607 |
| Average total loans | $495,382,000 | 949 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0127% | 6,334 |
| Cost of funding earning assets | 0.1110% | 6,153 |
| Net interest margin | 1.9017% | 6,300 |
| Noninterest income to average assets | 0.6224% | 2,538 |
| Noninterest expense to average assets | 1.8698% | 5,799 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5726% | 4,396 |
| Return on assets (ROA) | 0.5726% | 4,501 |
| Pretax return on assets | 0.5763% | 4,981 |
| Return on Equity (ROE) | 5.4989% | 4,284 |
| Retained earnings to average equity (ytd only) | 3.7556% | 3,753 |
| Net charge-offs to loans | 0.0322% | 2,544 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 43.7250% | 920 |
| Efficiency ratio | 76.4413% | 2,440 |
| Assets per employee ($millions) | 7.8832% | 571 |
| Cash dividends to net income (ytd only)* | 31.7031% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7366% | 1,651 |
| Loan loss allowance to noncurrent loans | 467.5261% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 5,361 |
| Noncurrent loans to loans | 0.3714% | 4,475 |
| Net loans and leases to total assets | 39.2154% | 5,644 |
| Net loans and leases to deposits | 44.7563% | 5,724 |
| Net loans and leases to core deposits | 45.4312% | 5,782 |
| Total domestic deposits to total assets | 87.6198% | 2,031 |
| Equity capital to assets | 10.5236% | 3,506 |
| Core capital (leverage) ratio | 10.3906% | 3,107 |
| Tier 1 risk-based capital ratio | 14.2055% | 3,879 |
| Total risk-based capital ratio | 15.1670% | 4,001 |
| Memoranda: | ||
| Average total assets | $1,214,043,000 | 577 |
| Average earning assets | $1,164,231,500 | 554 |
| Average equity | $126,424,500 | 605 |
| Average total loans | $496,179,000 | 949 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0301% | 6,417 |
| Cost of funding earning assets | 0.1293% | 6,203 |
| Net interest margin | 1.9008% | 6,390 |
| Noninterest income to average assets | 0.6483% | 2,558 |
| Noninterest expense to average assets | 1.8642% | 5,982 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6020% | 4,352 |
| Return on assets (ROA) | 0.6628% | 4,172 |
| Pretax return on assets | 0.6659% | 4,739 |
| Return on Equity (ROE) | 6.5991% | 3,846 |
| Retained earnings to average equity (ytd only) | 3.1817% | 3,970 |
| Net charge-offs to loans | 0.0219% | 4,403 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 66.6147% | 733 |
| Efficiency ratio | 75.4961% | 2,596 |
| Assets per employee ($millions) | 7.6814% | 608 |
| Cash dividends to net income (ytd only)* | 51.7853% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7072% | 1,757 |
| Loan loss allowance to noncurrent loans | 480.7973% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 5,435 |
| Noncurrent loans to loans | 0.3551% | 4,590 |
| Net loans and leases to total assets | 41.1421% | 5,682 |
| Net loans and leases to deposits | 46.5486% | 5,770 |
| Net loans and leases to core deposits | 47.2908% | 5,844 |
| Total domestic deposits to total assets | 88.3854% | 1,576 |
| Equity capital to assets | 10.3006% | 3,719 |
| Core capital (leverage) ratio | 10.2885% | 3,189 |
| Tier 1 risk-based capital ratio | 14.0125% | 4,083 |
| Total risk-based capital ratio | 14.9817% | 4,216 |
| Memoranda: | ||
| Average total assets | $1,200,042,000 | 560 |
| Average earning assets | $1,149,593,600 | 540 |
| Average equity | $120,532,400 | 603 |
| Average total loans | $497,180,200 | 902 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0191% | 6,499 |
| Cost of funding earning assets | 0.1343% | 6,266 |
| Net interest margin | 1.8848% | 6,470 |
| Noninterest income to average assets | 0.6455% | 2,597 |
| Noninterest expense to average assets | 1.8592% | 6,013 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5893% | 4,484 |
| Return on assets (ROA) | 0.6696% | 4,202 |
| Pretax return on assets | 0.6730% | 4,795 |
| Return on Equity (ROE) | 6.7095% | 3,845 |
| Retained earnings to average equity (ytd only) | 3.2384% | 4,325 |
| Net charge-offs to loans | 0.0078% | 4,445 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 183.7727% | 349 |
| Efficiency ratio | 75.8496% | 2,513 |
| Assets per employee ($millions) | 7.5004% | 643 |
| Cash dividends to net income (ytd only)* | 51.7332% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6983% | 1,977 |
| Loan loss allowance to noncurrent loans | 426.1834% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.1701% | 5,513 |
| Noncurrent loans to loans | 0.3985% | 4,715 |
| Net loans and leases to total assets | 41.9497% | 5,677 |
| Net loans and leases to deposits | 47.7151% | 5,779 |
| Net loans and leases to core deposits | 48.4691% | 5,861 |
| Total domestic deposits to total assets | 87.9171% | 1,804 |
| Equity capital to assets | 10.2162% | 3,912 |
| Core capital (leverage) ratio | 10.2323% | 3,366 |
| Tier 1 risk-based capital ratio | 13.7675% | 4,377 |
| Total risk-based capital ratio | 14.7358% | 4,488 |
| Memoranda: | ||
| Average total assets | $1,200,476,500 | 558 |
| Average earning assets | $1,150,054,000 | 537 |
| Average equity | $119,807,500 | 608 |
| Average total loans | $496,082,500 | 905 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9937% | 6,571 |
| Cost of funding earning assets | 0.1352% | 6,334 |
| Net interest margin | 1.8585% | 6,545 |
| Noninterest income to average assets | 0.6373% | 2,620 |
| Noninterest expense to average assets | 1.8582% | 6,067 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5577% | 4,558 |
| Return on assets (ROA) | 0.6455% | 4,224 |
| Pretax return on assets | 0.6486% | 4,790 |
| Return on Equity (ROE) | 6.5188% | 3,869 |
| Retained earnings to average equity (ytd only) | 2.7197% | 4,470 |
| Net charge-offs to loans | -0.0081% | 5,279 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8142% | 2,482 |
| Assets per employee ($millions) | 7.5501% | 609 |
| Cash dividends to net income (ytd only)* | 58.2797% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7758% | 1,906 |
| Loan loss allowance to noncurrent loans | 392.4153% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 5,579 |
| Noncurrent loans to loans | 0.4525% | 4,632 |
| Net loans and leases to total assets | 40.0494% | 5,811 |
| Net loans and leases to deposits | 45.5450% | 5,905 |
| Net loans and leases to core deposits | 46.2591% | 5,987 |
| Total domestic deposits to total assets | 87.9338% | 1,940 |
| Equity capital to assets | 10.1204% | 3,945 |
| Core capital (leverage) ratio | 10.1048% | 3,466 |
| Tier 1 risk-based capital ratio | 13.4587% | 4,613 |
| Total risk-based capital ratio | 14.4207% | 4,737 |
| Memoranda: | ||
| Average total assets | $1,203,116,000 | 559 |
| Average earning assets | $1,153,422,670 | 534 |
| Average equity | $119,132,000 | 605 |
| Average total loans | $491,804,000 | 906 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9676% | 6,650 |
| Cost of funding earning assets | 0.1357% | 6,420 |
| Net interest margin | 1.8318% | 6,622 |
| Noninterest income to average assets | 0.6127% | 2,660 |
| Noninterest expense to average assets | 1.8761% | 6,101 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4917% | 4,730 |
| Return on assets (ROA) | 0.6127% | 4,215 |
| Pretax return on assets | 0.6161% | 4,778 |
| Return on Equity (ROE) | 6.2568% | 3,877 |
| Retained earnings to average equity (ytd only) | 4.7240% | 3,281 |
| Net charge-offs to loans | -0.0081% | 4,966 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1620% | 2,313 |
| Assets per employee ($millions) | 7.6057% | 601 |
| Cash dividends to net income (ytd only)* | 24.4986% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7617% | 2,149 |
| Loan loss allowance to noncurrent loans | 385.3529% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.1863% | 5,667 |
| Noncurrent loans to loans | 0.4572% | 4,784 |
| Net loans and leases to total assets | 40.0350% | 5,805 |
| Net loans and leases to deposits | 45.3691% | 5,893 |
| Net loans and leases to core deposits | 46.0725% | 5,983 |
| Total domestic deposits to total assets | 88.2429% | 2,084 |
| Equity capital to assets | 9.8201% | 4,074 |
| Core capital (leverage) ratio | 10.1112% | 3,414 |
| Tier 1 risk-based capital ratio | 13.5677% | 4,630 |
| Total risk-based capital ratio | 14.5387% | 4,761 |
| Memoranda: | ||
| Average total assets | $1,204,441,500 | 563 |
| Average earning assets | $1,155,344,000 | 533 |
| Average equity | $117,952,000 | 612 |
| Average total loans | $492,970,500 | 901 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0877% | 6,702 |
| Cost of funding earning assets | 0.1559% | 6,513 |
| Net interest margin | 1.9319% | 6,660 |
| Noninterest income to average assets | 0.7175% | 2,449 |
| Noninterest expense to average assets | 1.8661% | 6,235 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7028% | 3,783 |
| Return on assets (ROA) | 0.7357% | 3,709 |
| Pretax return on assets | 0.7395% | 4,381 |
| Return on Equity (ROE) | 7.4644% | 3,311 |
| Retained earnings to average equity (ytd only) | 2.2397% | 4,653 |
| Net charge-offs to loans | 0.0134% | 5,184 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 140.4262% | 327 |
| Efficiency ratio | 72.5431% | 3,379 |
| Assets per employee ($millions) | 7.4973% | 603 |
| Cash dividends to net income (ytd only)* | 69.9955% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7586% | 2,193 |
| Loan loss allowance to noncurrent loans | 396.8879% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.1821% | 5,769 |
| Noncurrent loans to loans | 0.4431% | 4,893 |
| Net loans and leases to total assets | 40.3843% | 5,935 |
| Net loans and leases to deposits | 45.9941% | 6,009 |
| Net loans and leases to core deposits | 46.7258% | 6,106 |
| Total domestic deposits to total assets | 87.8034% | 2,305 |
| Equity capital to assets | 9.7658% | 4,080 |
| Core capital (leverage) ratio | 9.8967% | 3,713 |
| Tier 1 risk-based capital ratio | 13.4215% | 4,704 |
| Total risk-based capital ratio | 14.3922% | 4,835 |
| Memoranda: | ||
| Average total assets | $1,212,782,800 | 541 |
| Average earning assets | $1,164,466,400 | 510 |
| Average equity | $119,527,000 | 596 |
| Average total loans | $453,956,600 | 937 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1126% | 6,783 |
| Cost of funding earning assets | 0.1593% | 6,600 |
| Net interest margin | 1.9533% | 6,735 |
| Noninterest income to average assets | 0.7143% | 2,536 |
| Noninterest expense to average assets | 1.8471% | 6,264 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7389% | 3,655 |
| Return on assets (ROA) | 0.7761% | 3,607 |
| Pretax return on assets | 0.7805% | 4,371 |
| Return on Equity (ROE) | 7.8574% | 3,194 |
| Retained earnings to average equity (ytd only) | 2.5906% | 4,777 |
| Net charge-offs to loans | 0.0012% | 5,199 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1,695.0169% | 12 |
| Efficiency ratio | 71.3161% | 3,549 |
| Assets per employee ($millions) | 7.3243% | 633 |
| Cash dividends to net income (ytd only)* | 67.0293% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8832% | 2,049 |
| Loan loss allowance to noncurrent loans | 378.2062% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.1910% | 5,871 |
| Noncurrent loans to loans | 0.4979% | 4,949 |
| Net loans and leases to total assets | 37.6318% | 6,189 |
| Net loans and leases to deposits | 43.2822% | 6,249 |
| Net loans and leases to core deposits | 43.9571% | 6,305 |
| Total domestic deposits to total assets | 86.9451% | 2,722 |
| Equity capital to assets | 9.6481% | 4,358 |
| Core capital (leverage) ratio | 9.9441% | 3,751 |
| Tier 1 risk-based capital ratio | 13.6072% | 4,684 |
| Total risk-based capital ratio | 14.5979% | 4,807 |
| Memoranda: | ||
| Average total assets | $1,216,086,250 | 539 |
| Average earning assets | $1,167,763,750 | 513 |
| Average equity | $120,121,750 | 600 |
| Average total loans | $444,168,250 | 967 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1356% | 6,828 |
| Cost of funding earning assets | 0.1616% | 6,664 |
| Net interest margin | 1.9740% | 6,776 |
| Noninterest income to average assets | 0.7540% | 2,395 |
| Noninterest expense to average assets | 1.8536% | 6,287 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7906% | 3,344 |
| Return on assets (ROA) | 0.8278% | 3,310 |
| Pretax return on assets | 0.8328% | 4,185 |
| Return on Equity (ROE) | 8.3168% | 2,936 |
| Retained earnings to average equity (ytd only) | 2.3447% | 4,799 |
| Net charge-offs to loans | -0.0059% | 5,663 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9796% | 3,827 |
| Assets per employee ($millions) | 7.2624% | 639 |
| Cash dividends to net income (ytd only)* | 71.8081% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9662% | 1,925 |
| Loan loss allowance to noncurrent loans | 370.2794% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 5,903 |
| Noncurrent loans to loans | 0.5310% | 4,935 |
| Net loans and leases to total assets | 36.1718% | 6,289 |
| Net loans and leases to deposits | 41.5862% | 6,345 |
| Net loans and leases to core deposits | 42.2601% | 6,394 |
| Total domestic deposits to total assets | 86.9804% | 2,832 |
| Equity capital to assets | 9.4867% | 4,596 |
| Core capital (leverage) ratio | 9.7613% | 3,850 |
| Tier 1 risk-based capital ratio | 13.2443% | 4,964 |
| Total risk-based capital ratio | 14.2177% | 5,103 |
| Memoranda: | ||
| Average total assets | $1,218,609,670 | 539 |
| Average earning assets | $1,169,693,000 | 507 |
| Average equity | $121,296,000 | 593 |
| Average total loans | $437,719,330 | 975 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1248% | 6,911 |
| Cost of funding earning assets | 0.1641% | 6,751 |
| Net interest margin | 1.9608% | 6,856 |
| Noninterest income to average assets | 0.6252% | 3,007 |
| Noninterest expense to average assets | 1.8467% | 6,372 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6563% | 3,921 |
| Return on assets (ROA) | 0.7144% | 3,761 |
| Pretax return on assets | 0.7173% | 4,503 |
| Return on Equity (ROE) | 7.0151% | 3,476 |
| Retained earnings to average equity (ytd only) | 3.5460% | 4,113 |
| Net charge-offs to loans | -0.0240% | 5,802 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6938% | 3,318 |
| Assets per employee ($millions) | 7.4147% | 629 |
| Cash dividends to net income (ytd only)* | 49.4516% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0172% | 1,999 |
| Loan loss allowance to noncurrent loans | 358.3879% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 5,976 |
| Noncurrent loans to loans | 0.5629% | 5,035 |
| Net loans and leases to total assets | 34.5658% | 6,389 |
| Net loans and leases to deposits | 39.8612% | 6,425 |
| Net loans and leases to core deposits | 40.8802% | 6,445 |
| Total domestic deposits to total assets | 86.7155% | 3,122 |
| Equity capital to assets | 10.1492% | 3,957 |
| Core capital (leverage) ratio | 9.7469% | 3,732 |
| Tier 1 risk-based capital ratio | 13.4153% | 4,926 |
| Total risk-based capital ratio | 14.4052% | 5,056 |
| Memoranda: | ||
| Average total assets | $1,225,133,000 | 538 |
| Average earning assets | $1,175,054,000 | 509 |
| Average equity | $124,760,000 | 589 |
| Average total loans | $434,169,000 | 983 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4345% | 6,949 |
| Cost of funding earning assets | 0.2322% | 6,744 |
| Net interest margin | 2.2023% | 6,876 |
| Noninterest income to average assets | 0.6915% | 2,763 |
| Noninterest expense to average assets | 1.9580% | 6,402 |
| Loan and lease loss provision to assets | 0.0420% | 5,330 |
| Net operating income to assets | 0.8037% | 3,272 |
| Return on assets (ROA) | 0.8866% | 3,124 |
| Pretax return on assets | 0.8934% | 3,944 |
| Return on Equity (ROE) | 8.6613% | 2,809 |
| Retained earnings to average equity (ytd only) | 4.7840% | 2,861 |
| Net charge-offs to loans | 0.0753% | 4,928 |
| Credit loss provision to net charge-offs | 153.3742% | 1,763 |
| Earnings coverage of net charge-offs (x) | 31.1319% | 977 |
| Efficiency ratio | 69.6900% | 3,871 |
| Assets per employee ($millions) | 7.1312% | 731 |
| Cash dividends to net income (ytd only)* | 44.7662% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0116% | 1,988 |
| Loan loss allowance to noncurrent loans | 338.8824% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.2325% | 5,973 |
| Noncurrent loans to loans | 0.5936% | 5,040 |
| Net loans and leases to total assets | 34.8849% | 6,497 |
| Net loans and leases to deposits | 40.0928% | 6,546 |
| Net loans and leases to core deposits | 41.1505% | 6,572 |
| Total domestic deposits to total assets | 87.0104% | 2,842 |
| Equity capital to assets | 10.2179% | 3,868 |
| Core capital (leverage) ratio | 9.7355% | 3,755 |
| Tier 1 risk-based capital ratio | 13.8700% | 4,477 |
| Total risk-based capital ratio | 14.9004% | 4,585 |
| Memoranda: | ||
| Average total assets | $1,191,790,600 | 551 |
| Average earning assets | $1,146,199,600 | 517 |
| Average equity | $121,990,800 | 588 |
| Average total loans | $433,203,200 | 966 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4867% | 7,052 |
| Cost of funding earning assets | 0.2356% | 6,862 |
| Net interest margin | 2.2511% | 6,969 |
| Noninterest income to average assets | 0.6835% | 2,794 |
| Noninterest expense to average assets | 1.9291% | 6,472 |
| Loan and lease loss provision to assets | 0.0563% | 5,031 |
| Net operating income to assets | 0.8584% | 3,177 |
| Return on assets (ROA) | 0.9528% | 2,957 |
| Pretax return on assets | 0.9600% | 3,875 |
| Return on Equity (ROE) | 9.3038% | 2,674 |
| Retained earnings to average equity (ytd only) | 4.1063% | 4,011 |
| Net charge-offs to loans | 0.0985% | 4,396 |
| Credit loss provision to net charge-offs | 156.2500% | 1,799 |
| Earnings coverage of net charge-offs (x) | 25.5748% | 1,246 |
| Efficiency ratio | 67.6879% | 4,135 |
| Assets per employee ($millions) | 6.8006% | 813 |
| Cash dividends to net income (ytd only)* | 55.8640% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9609% | 2,286 |
| Loan loss allowance to noncurrent loans | 1,501.5464% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 6,517 |
| Noncurrent loans to loans | 0.1306% | 6,279 |
| Net loans and leases to total assets | 36.5039% | 6,523 |
| Net loans and leases to deposits | 42.2173% | 6,585 |
| Net loans and leases to core deposits | 43.3914% | 6,620 |
| Total domestic deposits to total assets | 86.4665% | 3,005 |
| Equity capital to assets | 10.4225% | 3,930 |
| Core capital (leverage) ratio | 9.7501% | 3,872 |
| Tier 1 risk-based capital ratio | 13.4909% | 4,884 |
| Total risk-based capital ratio | 14.5126% | 5,013 |
| Memoranda: | ||
| Average total assets | $1,184,881,000 | 560 |
| Average earning assets | $1,140,402,750 | 526 |
| Average equity | $121,338,500 | 591 |
| Average total loans | $432,971,500 | 971 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5184% | 7,117 |
| Cost of funding earning assets | 0.2371% | 6,951 |
| Net interest margin | 2.2813% | 7,013 |
| Noninterest income to average assets | 0.6715% | 2,821 |
| Noninterest expense to average assets | 1.9309% | 6,547 |
| Loan and lease loss provision to assets | 0.0339% | 5,246 |
| Net operating income to assets | 0.8968% | 2,925 |
| Return on assets (ROA) | 0.9818% | 2,775 |
| Pretax return on assets | 0.9891% | 3,746 |
| Return on Equity (ROE) | 9.6454% | 2,515 |
| Retained earnings to average equity (ytd only) | 3.7337% | 4,117 |
| Net charge-offs to loans | 0.0723% | 4,422 |
| Credit loss provision to net charge-offs | 129.0323% | 2,128 |
| Earnings coverage of net charge-offs (x) | 35.6968% | 962 |
| Efficiency ratio | 67.3261% | 4,269 |
| Assets per employee ($millions) | 6.7345% | 837 |
| Cash dividends to net income (ytd only)* | 61.2903% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9487% | 2,377 |
| Loan loss allowance to noncurrent loans | 731.6327% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.1177% | 6,494 |
| Noncurrent loans to loans | 0.2664% | 6,047 |
| Net loans and leases to total assets | 36.5247% | 6,582 |
| Net loans and leases to deposits | 42.5984% | 6,621 |
| Net loans and leases to core deposits | 43.7928% | 6,669 |
| Total domestic deposits to total assets | 85.7421% | 3,491 |
| Equity capital to assets | 10.2338% | 4,015 |
| Core capital (leverage) ratio | 9.5904% | 4,016 |
| Tier 1 risk-based capital ratio | 13.5370% | 4,795 |
| Total risk-based capital ratio | 14.5592% | 4,928 |
| Memoranda: | ||
| Average total assets | $1,180,872,670 | 565 |
| Average earning assets | $1,136,994,330 | 530 |
| Average equity | $120,202,330 | 594 |
| Average total loans | $428,743,330 | 981 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5384% | 7,167 |
| Cost of funding earning assets | 0.2387% | 7,035 |
| Net interest margin | 2.2997% | 7,055 |
| Noninterest income to average assets | 0.6719% | 2,804 |
| Noninterest expense to average assets | 1.9612% | 6,534 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9196% | 2,826 |
| Return on assets (ROA) | 0.9814% | 2,753 |
| Pretax return on assets | 0.9869% | 3,719 |
| Return on Equity (ROE) | 9.6679% | 2,527 |
| Retained earnings to average equity (ytd only) | 5.8502% | 3,043 |
| Net charge-offs to loans | -0.0492% | 6,526 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9642% | 4,178 |
| Assets per employee ($millions) | 6.6293% | 916 |
| Cash dividends to net income (ytd only)* | 39.4882% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0084% | 2,329 |
| Loan loss allowance to noncurrent loans | 288.8628% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.2512% | 6,258 |
| Noncurrent loans to loans | 0.6953% | 5,278 |
| Net loans and leases to total assets | 35.4052% | 6,663 |
| Net loans and leases to deposits | 41.0970% | 6,701 |
| Net loans and leases to core deposits | 42.2546% | 6,735 |
| Total domestic deposits to total assets | 86.1503% | 3,444 |
| Equity capital to assets | 10.1028% | 3,997 |
| Core capital (leverage) ratio | 9.6762% | 3,802 |
| Tier 1 risk-based capital ratio | 13.7651% | 4,636 |
| Total risk-based capital ratio | 14.8095% | 4,770 |
| Memoranda: | ||
| Average total assets | $1,178,671,000 | 564 |
| Average earning assets | $1,134,589,500 | 527 |
| Average equity | $119,654,000 | 598 |
| Average total loans | $422,353,500 | 990 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8348% | 7,215 |
| Cost of funding earning assets | 0.3318% | 7,051 |
| Net interest margin | 2.5030% | 7,057 |
| Noninterest income to average assets | 0.6770% | 2,743 |
| Noninterest expense to average assets | 2.0692% | 6,549 |
| Loan and lease loss provision to assets | 0.0044% | 6,464 |
| Net operating income to assets | 0.9940% | 2,218 |
| Return on assets (ROA) | 1.0545% | 2,129 |
| Pretax return on assets | 1.0628% | 2,992 |
| Return on Equity (ROE) | 10.1747% | 1,999 |
| Retained earnings to average equity (ytd only) | 4.1676% | 3,211 |
| Net charge-offs to loans | 0.0147% | 6,234 |
| Credit loss provision to net charge-offs | 83.3333% | 4,310 |
| Earnings coverage of net charge-offs (x) | 191.1000% | 180 |
| Efficiency ratio | 67.2867% | 4,521 |
| Assets per employee ($millions) | 6.5039% | 957 |
| Cash dividends to net income (ytd only)* | 59.0399% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0576% | 2,109 |
| Loan loss allowance to noncurrent loans | 3,229.8113% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 6,915 |
| Noncurrent loans to loans | 0.0637% | 6,658 |
| Net loans and leases to total assets | 34.8000% | 6,829 |
| Net loans and leases to deposits | 40.4147% | 6,863 |
| Net loans and leases to core deposits | 41.5917% | 6,899 |
| Total domestic deposits to total assets | 86.1075% | 3,254 |
| Equity capital to assets | 10.2010% | 3,903 |
| Core capital (leverage) ratio | 9.6657% | 3,790 |
| Tier 1 risk-based capital ratio | 13.8886% | 4,406 |
| Total risk-based capital ratio | 14.9524% | 4,514 |
| Memoranda: | ||
| Average total assets | $1,139,766,800 | 573 |
| Average earning assets | $1,092,066,800 | 540 |
| Average equity | $118,125,800 | 586 |
| Average total loans | $408,942,600 | 1,031 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8871% | 7,285 |
| Cost of funding earning assets | 0.3553% | 7,113 |
| Net interest margin | 2.5318% | 7,116 |
| Noninterest income to average assets | 0.6616% | 2,813 |
| Noninterest expense to average assets | 2.0375% | 6,616 |
| Loan and lease loss provision to assets | 0.0024% | 6,384 |
| Net operating income to assets | 1.0367% | 2,185 |
| Return on assets (ROA) | 1.1220% | 2,029 |
| Pretax return on assets | 1.1299% | 2,897 |
| Return on Equity (ROE) | 10.7817% | 1,934 |
| Retained earnings to average equity (ytd only) | 4.4481% | 3,558 |
| Net charge-offs to loans | -0.0013% | 6,660 |
| Credit loss provision to net charge-offs | -500.0000% | 6,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0746% | 4,705 |
| Assets per employee ($millions) | 6.3506% | 1,014 |
| Cash dividends to net income (ytd only)* | 58.7445% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0428% | 2,223 |
| Loan loss allowance to noncurrent loans | 17,902.0833% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 7,077 |
| Noncurrent loans to loans | 0.0114% | 6,927 |
| Net loans and leases to total assets | 36.0474% | 6,868 |
| Net loans and leases to deposits | 41.7275% | 6,921 |
| Net loans and leases to core deposits | 42.9961% | 6,953 |
| Total domestic deposits to total assets | 86.3878% | 2,992 |
| Equity capital to assets | 10.4646% | 3,753 |
| Core capital (leverage) ratio | 9.7439% | 3,785 |
| Tier 1 risk-based capital ratio | 13.7468% | 4,540 |
| Total risk-based capital ratio | 14.8133% | 4,662 |
| Memoranda: | ||
| Average total assets | $1,132,035,000 | 587 |
| Average earning assets | $1,082,942,250 | 549 |
| Average equity | $117,801,500 | 595 |
| Average total loans | $407,188,000 | 1,043 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9022% | 7,362 |
| Cost of funding earning assets | 0.3772% | 7,180 |
| Net interest margin | 2.5251% | 7,174 |
| Noninterest income to average assets | 0.6718% | 2,701 |
| Noninterest expense to average assets | 2.0974% | 6,598 |
| Loan and lease loss provision to assets | 0.0035% | 6,200 |
| Net operating income to assets | 0.9787% | 2,316 |
| Return on assets (ROA) | 1.0750% | 2,048 |
| Pretax return on assets | 1.0830% | 2,921 |
| Return on Equity (ROE) | 10.3503% | 1,996 |
| Retained earnings to average equity (ytd only) | 3.0513% | 4,337 |
| Net charge-offs to loans | -0.0045% | 6,575 |
| Credit loss provision to net charge-offs | -222.2222% | 6,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9511% | 4,526 |
| Assets per employee ($millions) | 6.1100% | 1,126 |
| Cash dividends to net income (ytd only)* | 70.5194% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0811% | 2,163 |
| Loan loss allowance to noncurrent loans | 3,244.5283% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 7,047 |
| Noncurrent loans to loans | 0.0641% | 6,823 |
| Net loans and leases to total assets | 35.9834% | 6,959 |
| Net loans and leases to deposits | 42.1543% | 6,984 |
| Net loans and leases to core deposits | 43.4918% | 7,027 |
| Total domestic deposits to total assets | 85.3613% | 3,693 |
| Equity capital to assets | 10.5970% | 3,381 |
| Core capital (leverage) ratio | 9.6226% | 3,777 |
| Tier 1 risk-based capital ratio | 14.1309% | 4,072 |
| Total risk-based capital ratio | 15.2486% | 4,147 |
| Memoranda: | ||
| Average total assets | $1,128,346,000 | 592 |
| Average earning assets | $1,079,095,330 | 555 |
| Average equity | $117,195,000 | 596 |
| Average total loans | $402,700,000 | 1,071 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9080% | 7,415 |
| Cost of funding earning assets | 0.3877% | 7,243 |
| Net interest margin | 2.5204% | 7,179 |
| Noninterest income to average assets | 0.6497% | 2,850 |
| Noninterest expense to average assets | 2.1345% | 6,558 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9185% | 2,482 |
| Return on assets (ROA) | 1.0460% | 2,065 |
| Pretax return on assets | 1.0527% | 2,932 |
| Return on Equity (ROE) | 10.1735% | 2,038 |
| Retained earnings to average equity (ytd only) | 4.7563% | 3,335 |
| Net charge-offs to loans | -0.0282% | 6,689 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7906% | 4,321 |
| Assets per employee ($millions) | 6.1239% | 1,123 |
| Cash dividends to net income (ytd only)* | 53.2476% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1647% | 2,043 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 34.4784% | 7,074 |
| Net loans and leases to deposits | 40.4716% | 7,076 |
| Net loans and leases to core deposits | 42.1242% | 7,107 |
| Total domestic deposits to total assets | 85.1918% | 3,952 |
| Equity capital to assets | 10.3274% | 3,375 |
| Core capital (leverage) ratio | 9.5628% | 3,709 |
| Tier 1 risk-based capital ratio | 14.5922% | 3,680 |
| Total risk-based capital ratio | 15.7510% | 3,699 |
| Memoranda: | ||
| Average total assets | $1,130,394,500 | 599 |
| Average earning assets | $1,080,324,000 | 560 |
| Average equity | $116,224,000 | 594 |
| Average total loans | $397,479,500 | 1,106 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2145% | 7,462 |
| Cost of funding earning assets | 0.5234% | 7,267 |
| Net interest margin | 2.6910% | 7,131 |
| Noninterest income to average assets | 0.6743% | 2,997 |
| Noninterest expense to average assets | 2.1358% | 6,762 |
| Loan and lease loss provision to assets | 0.0433% | 6,732 |
| Net operating income to assets | 1.0184% | 1,973 |
| Return on assets (ROA) | 1.1776% | 1,543 |
| Pretax return on assets | 1.1869% | 2,267 |
| Return on Equity (ROE) | 11.1178% | 1,550 |
| Retained earnings to average equity (ytd only) | 4.7143% | 2,599 |
| Net charge-offs to loans | 0.0474% | 6,327 |
| Credit loss provision to net charge-offs | 244.7917% | 1,176 |
| Earnings coverage of net charge-offs (x) | 60.5104% | 392 |
| Efficiency ratio | 66.6360% | 4,834 |
| Assets per employee ($millions) | 5.9062% | 1,274 |
| Cash dividends to net income (ytd only)* | 57.5973% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1538% | 1,956 |
| Loan loss allowance to noncurrent loans | 1,382.0968% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 7,093 |
| Noncurrent loans to loans | 0.1558% | 6,755 |
| Net loans and leases to total assets | 34.3293% | 7,212 |
| Net loans and leases to deposits | 40.0157% | 7,252 |
| Net loans and leases to core deposits | 41.7439% | 7,265 |
| Total domestic deposits to total assets | 85.7897% | 3,455 |
| Equity capital to assets | 10.2364% | 3,456 |
| Core capital (leverage) ratio | 9.5212% | 3,682 |
| Tier 1 risk-based capital ratio | 14.9580% | 3,274 |
| Total risk-based capital ratio | 16.1567% | 3,257 |
| Memoranda: | ||
| Average total assets | $1,086,443,400 | 615 |
| Average earning assets | $1,021,758,600 | 589 |
| Average equity | $115,076,600 | 588 |
| Average total loans | $404,790,400 | 1,116 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2827% | 7,585 |
| Cost of funding earning assets | 0.5520% | 7,378 |
| Net interest margin | 2.7307% | 7,200 |
| Noninterest income to average assets | 0.6838% | 2,918 |
| Noninterest expense to average assets | 2.1353% | 6,768 |
| Loan and lease loss provision to assets | 0.0459% | 6,633 |
| Net operating income to assets | 1.0509% | 2,068 |
| Return on assets (ROA) | 1.2532% | 1,538 |
| Pretax return on assets | 1.2628% | 2,289 |
| Return on Equity (ROE) | 11.7276% | 1,579 |
| Retained earnings to average equity (ytd only) | 3.1711% | 4,204 |
| Net charge-offs to loans | 0.0262% | 6,304 |
| Credit loss provision to net charge-offs | 462.5000% | 647 |
| Earnings coverage of net charge-offs (x) | 111.2542% | 285 |
| Efficiency ratio | 65.9121% | 4,880 |
| Assets per employee ($millions) | 5.8439% | 1,358 |
| Cash dividends to net income (ytd only)* | 72.9604% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1559% | 1,877 |
| Loan loss allowance to noncurrent loans | 1,110.0906% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 7,168 |
| Noncurrent loans to loans | 0.1942% | 6,794 |
| Net loans and leases to total assets | 35.0738% | 7,302 |
| Net loans and leases to deposits | 41.1494% | 7,337 |
| Net loans and leases to core deposits | 42.9867% | 7,352 |
| Total domestic deposits to total assets | 85.2353% | 3,502 |
| Equity capital to assets | 10.5973% | 3,412 |
| Core capital (leverage) ratio | 9.3192% | 4,179 |
| Tier 1 risk-based capital ratio | 14.8380% | 3,330 |
| Total risk-based capital ratio | 16.0317% | 3,335 |
| Memoranda: | ||
| Average total assets | $1,074,555,500 | 619 |
| Average earning assets | $1,005,721,000 | 592 |
| Average equity | $114,825,750 | 582 |
| Average total loans | $406,522,500 | 1,117 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3072% | 7,657 |
| Cost of funding earning assets | 0.5610% | 7,467 |
| Net interest margin | 2.7462% | 7,205 |
| Noninterest income to average assets | 0.6731% | 2,864 |
| Noninterest expense to average assets | 2.1251% | 6,830 |
| Loan and lease loss provision to assets | 0.0565% | 6,393 |
| Net operating income to assets | 1.0478% | 2,023 |
| Return on assets (ROA) | 1.2334% | 1,535 |
| Pretax return on assets | 1.2430% | 2,280 |
| Return on Equity (ROE) | 11.5087% | 1,596 |
| Retained earnings to average equity (ytd only) | 2.5343% | 4,541 |
| Net charge-offs to loans | 0.0049% | 6,307 |
| Credit loss provision to net charge-offs | 3,000.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 590.8000% | 50 |
| Efficiency ratio | 65.6492% | 5,044 |
| Assets per employee ($millions) | 5.8538% | 1,336 |
| Cash dividends to net income (ytd only)* | 77.9796% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1214% | 1,923 |
| Loan loss allowance to noncurrent loans | 13,620.6349% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 7,411 |
| Noncurrent loans to loans | 0.0156% | 7,294 |
| Net loans and leases to total assets | 36.1684% | 7,342 |
| Net loans and leases to deposits | 42.5359% | 7,375 |
| Net loans and leases to core deposits | 45.0069% | 7,381 |
| Total domestic deposits to total assets | 85.0301% | 3,609 |
| Equity capital to assets | 10.4989% | 3,410 |
| Core capital (leverage) ratio | 9.5277% | 3,780 |
| Tier 1 risk-based capital ratio | 15.3501% | 2,980 |
| Total risk-based capital ratio | 16.6020% | 2,942 |
| Memoranda: | ||
| Average total assets | $1,062,624,000 | 626 |
| Average earning assets | $992,143,330 | 603 |
| Average equity | $113,878,670 | 580 |
| Average total loans | $409,355,670 | 1,121 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3563% | 7,745 |
| Cost of funding earning assets | 0.5718% | 7,577 |
| Net interest margin | 2.7845% | 7,200 |
| Noninterest income to average assets | 0.6872% | 2,684 |
| Noninterest expense to average assets | 2.1712% | 6,752 |
| Loan and lease loss provision to assets | 0.1147% | 5,465 |
| Net operating income to assets | 0.9921% | 2,219 |
| Return on assets (ROA) | 1.3698% | 1,212 |
| Pretax return on assets | 1.3808% | 1,832 |
| Return on Equity (ROE) | 12.6470% | 1,339 |
| Retained earnings to average equity (ytd only) | 5.2190% | 3,035 |
| Net charge-offs to loans | 0.0058% | 5,530 |
| Credit loss provision to net charge-offs | 5,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 485.8333% | 56 |
| Efficiency ratio | 66.0889% | 5,099 |
| Assets per employee ($millions) | 5.7406% | 1,462 |
| Cash dividends to net income (ytd only)* | 58.7333% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1155% | 1,924 |
| Loan loss allowance to noncurrent loans | 3,547.5207% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 7,434 |
| Noncurrent loans to loans | 0.0596% | 7,254 |
| Net loans and leases to total assets | 37.4031% | 7,369 |
| Net loans and leases to deposits | 44.0743% | 7,401 |
| Net loans and leases to core deposits | 46.5792% | 7,412 |
| Total domestic deposits to total assets | 84.8637% | 3,741 |
| Equity capital to assets | 10.6683% | 3,069 |
| Core capital (leverage) ratio | 10.0165% | 3,147 |
| Tier 1 risk-based capital ratio | 16.8917% | 2,301 |
| Total risk-based capital ratio | 18.1030% | 2,275 |
| Memoranda: | ||
| Average total assets | $1,046,609,500 | 651 |
| Average earning assets | $976,537,500 | 625 |
| Average equity | $113,355,000 | 591 |
| Average total loans | $411,784,000 | 1,147 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8847% | 7,734 |
| Cost of funding earning assets | 0.9860% | 7,234 |
| Net interest margin | 2.8986% | 6,874 |
| Noninterest income to average assets | 0.7853% | 2,477 |
| Noninterest expense to average assets | 2.1922% | 7,013 |
| Loan and lease loss provision to assets | 0.1978% | 5,758 |
| Net operating income to assets | 1.1587% | 1,362 |
| Return on assets (ROA) | 1.2639% | 1,161 |
| Pretax return on assets | 1.2583% | 1,813 |
| Return on Equity (ROE) | 12.0421% | 1,153 |
| Retained earnings to average equity (ytd only) | 6.3903% | 1,192 |
| Net charge-offs to loans | 0.0911% | 6,218 |
| Credit loss provision to net charge-offs | 477.3270% | 641 |
| Earnings coverage of net charge-offs (x) | 32.6038% | 710 |
| Efficiency ratio | 61.8738% | 6,173 |
| Assets per employee ($millions) | 5.5741% | 1,585 |
| Cash dividends to net income (ytd only)* | 46.9332% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9846% | 2,069 |
| Loan loss allowance to noncurrent loans | 3,164.5038% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 7,460 |
| Noncurrent loans to loans | 0.0627% | 7,269 |
| Net loans and leases to total assets | 39.7075% | 7,365 |
| Net loans and leases to deposits | 46.9595% | 7,400 |
| Net loans and leases to core deposits | 54.7436% | 7,448 |
| Total domestic deposits to total assets | 84.5568% | 3,771 |
| Equity capital to assets | 10.9979% | 2,704 |
| Core capital (leverage) ratio | 9.8457% | 3,275 |
| Tier 1 risk-based capital ratio | 16.9911% | 2,150 |
| Total risk-based capital ratio | 18.2428% | 2,118 |
| Memoranda: | ||
| Average total assets | $1,011,293,800 | 660 |
| Average earning assets | $962,138,600 | 631 |
| Average equity | $106,144,600 | 616 |
| Average total loans | $459,853,800 | 1,045 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9653% | 7,813 |
| Cost of funding earning assets | 1.0734% | 7,237 |
| Net interest margin | 2.8919% | 6,876 |
| Noninterest income to average assets | 0.7479% | 2,722 |
| Noninterest expense to average assets | 2.2036% | 6,964 |
| Loan and lease loss provision to assets | 0.1722% | 5,638 |
| Net operating income to assets | 1.1192% | 1,676 |
| Return on assets (ROA) | 1.1543% | 1,635 |
| Pretax return on assets | 1.1575% | 2,386 |
| Return on Equity (ROE) | 11.1338% | 1,583 |
| Retained earnings to average equity (ytd only) | 3.4672% | 3,358 |
| Net charge-offs to loans | 0.1281% | 5,416 |
| Credit loss provision to net charge-offs | 287.6106% | 1,446 |
| Earnings coverage of net charge-offs (x) | 21.6173% | 1,191 |
| Efficiency ratio | 62.9928% | 5,924 |
| Assets per employee ($millions) | 5.5388% | 1,580 |
| Cash dividends to net income (ytd only)* | 68.8591% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7357% | 2,499 |
| Loan loss allowance to noncurrent loans | 1,287.5639% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 7,389 |
| Noncurrent loans to loans | 0.1348% | 7,145 |
| Net loans and leases to total assets | 42.2147% | 7,350 |
| Net loans and leases to deposits | 50.6881% | 7,377 |
| Net loans and leases to core deposits | 59.9492% | 7,403 |
| Total domestic deposits to total assets | 83.2832% | 4,073 |
| Equity capital to assets | 10.7557% | 3,241 |
| Core capital (leverage) ratio | 9.6076% | 3,780 |
| Tier 1 risk-based capital ratio | 16.2540% | 2,531 |
| Total risk-based capital ratio | 17.5039% | 2,474 |
| Memoranda: | ||
| Average total assets | $1,006,315,750 | 676 |
| Average earning assets | $957,049,750 | 643 |
| Average equity | $104,328,000 | 636 |
| Average total loans | $470,378,000 | 1,041 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0496% | 7,887 |
| Cost of funding earning assets | 1.1404% | 7,274 |
| Net interest margin | 2.9091% | 6,776 |
| Noninterest income to average assets | 0.7397% | 2,761 |
| Noninterest expense to average assets | 2.2190% | 7,010 |
| Loan and lease loss provision to assets | 0.1594% | 5,470 |
| Net operating income to assets | 1.1189% | 1,708 |
| Return on assets (ROA) | 1.1218% | 1,776 |
| Pretax return on assets | 1.1234% | 2,552 |
| Return on Equity (ROE) | 10.9591% | 1,708 |
| Retained earnings to average equity (ytd only) | 2.2712% | 4,072 |
| Net charge-offs to loans | 0.0718% | 5,503 |
| Credit loss provision to net charge-offs | 462.4277% | 1,000 |
| Earnings coverage of net charge-offs (x) | 37.1329% | 855 |
| Efficiency ratio | 63.4210% | 6,021 |
| Assets per employee ($millions) | 5.5264% | 1,561 |
| Cash dividends to net income (ytd only)* | 79.2754% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6380% | 2,581 |
| Loan loss allowance to noncurrent loans | 7,411.1111% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 7,617 |
| Noncurrent loans to loans | 0.0221% | 7,487 |
| Net loans and leases to total assets | 43.0944% | 7,388 |
| Net loans and leases to deposits | 51.0383% | 7,433 |
| Net loans and leases to core deposits | 60.8475% | 7,420 |
| Total domestic deposits to total assets | 84.4354% | 3,530 |
| Equity capital to assets | 10.2009% | 3,720 |
| Core capital (leverage) ratio | 9.3320% | 4,127 |
| Tier 1 risk-based capital ratio | 15.7535% | 2,710 |
| Total risk-based capital ratio | 16.9549% | 2,662 |
| Memoranda: | ||
| Average total assets | $1,003,887,000 | 691 |
| Average earning assets | $952,102,330 | 658 |
| Average equity | $102,764,000 | 653 |
| Average total loans | $482,021,670 | 1,043 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1348% | 7,928 |
| Cost of funding earning assets | 1.1881% | 7,327 |
| Net interest margin | 2.9467% | 6,622 |
| Noninterest income to average assets | 0.7146% | 2,794 |
| Noninterest expense to average assets | 2.3506% | 6,367 |
| Loan and lease loss provision to assets | 0.1609% | 4,877 |
| Net operating income to assets | 0.9889% | 2,359 |
| Return on assets (ROA) | 0.9949% | 2,464 |
| Pretax return on assets | 0.9921% | 3,378 |
| Return on Equity (ROE) | 9.7020% | 2,443 |
| Retained earnings to average equity (ytd only) | 2.8353% | 4,296 |
| Net charge-offs to loans | 0.1371% | 3,864 |
| Credit loss provision to net charge-offs | 233.9181% | 1,968 |
| Earnings coverage of net charge-offs (x) | 16.6784% | 1,538 |
| Efficiency ratio | 67.2071% | 5,103 |
| Assets per employee ($millions) | 5.4897% | 1,574 |
| Cash dividends to net income (ytd only)* | 70.7761% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5236% | 2,842 |
| Loan loss allowance to noncurrent loans | 138,780.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 7,673 |
| Noncurrent loans to loans | 0.0011% | 7,589 |
| Net loans and leases to total assets | 43.9224% | 7,344 |
| Net loans and leases to deposits | 53.0013% | 7,340 |
| Net loans and leases to core deposits | 62.9525% | 7,355 |
| Total domestic deposits to total assets | 82.8704% | 4,208 |
| Equity capital to assets | 10.0664% | 3,927 |
| Core capital (leverage) ratio | 9.5320% | 3,943 |
| Tier 1 risk-based capital ratio | 15.9088% | 2,721 |
| Total risk-based capital ratio | 17.0618% | 2,690 |
| Memoranda: | ||
| Average total assets | $994,638,000 | 696 |
| Average earning assets | $939,350,000 | 670 |
| Average equity | $102,000,000 | 658 |
| Average total loans | $499,068,500 | 1,008 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9562% | 7,866 |
| Cost of funding earning assets | 1.7280% | 7,195 |
| Net interest margin | 3.2282% | 6,275 |
| Noninterest income to average assets | 0.7719% | 2,659 |
| Noninterest expense to average assets | 2.3128% | 6,657 |
| Loan and lease loss provision to assets | 0.2504% | 4,414 |
| Net operating income to assets | 1.2868% | 1,523 |
| Return on assets (ROA) | 1.3332% | 1,345 |
| Pretax return on assets | 1.2813% | 2,376 |
| Return on Equity (ROE) | 12.7778% | 1,390 |
| Retained earnings to average equity (ytd only) | 2.4530% | 3,668 |
| Net charge-offs to loans | 0.1340% | 4,882 |
| Credit loss provision to net charge-offs | 310.4359% | 1,450 |
| Earnings coverage of net charge-offs (x) | 18.4148% | 1,705 |
| Efficiency ratio | 60.8932% | 6,183 |
| Assets per employee ($millions) | 5.1499% | 1,782 |
| Cash dividends to net income (ytd only)* | 80.8024% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 4,259 |
| Loan loss allowance to noncurrent loans | 14,911.1111% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 7,634 |
| Noncurrent loans to loans | 0.0083% | 7,523 |
| Net loans and leases to total assets | 55.3614% | 6,510 |
| Net loans and leases to deposits | 67.0323% | 6,558 |
| Net loans and leases to core deposits | 79.4253% | 6,655 |
| Total domestic deposits to total assets | 82.5892% | 3,952 |
| Equity capital to assets | 10.4539% | 3,551 |
| Core capital (leverage) ratio | 9.8322% | 3,609 |
| Tier 1 risk-based capital ratio | 15.0538% | 3,018 |
| Total risk-based capital ratio | 16.1167% | 3,031 |
| Memoranda: | ||
| Average total assets | $938,498,800 | 709 |
| Average earning assets | $879,809,600 | 686 |
| Average equity | $97,920,000 | 683 |
| Average total loans | $564,930,800 | 842 |