Home > Guaranty Bank and Trust Company > Performance and Condition Ratios
Guaranty Bank and Trust Company, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0674% | 973 |
| Cost of funding earning assets | 2.4888% | 1,011 |
| Net interest margin | 3.5785% | 1,766 |
| Noninterest income to average assets | 0.6600% | 1,157 |
| Noninterest expense to average assets | 2.7895% | 1,494 |
| Loan and lease loss provision to assets | 0.0800% | 1,272 |
| Net operating income to assets | 0.8511% | 2,391 |
| Return on assets (ROA) | 0.8511% | 2,406 |
| Pretax return on assets | 1.0835% | 2,178 |
| Return on Equity (ROE) | 8.4200% | 2,575 |
| Retained earnings to average equity (ytd only) | 8.4198% | 1,447 |
| Net charge-offs to loans | 0.0953% | 748 |
| Credit loss provision to net charge-offs | 111.9289% | 1,084 |
| Earnings coverage of net charge-offs (x) | 18.6421% | 1,386 |
| Efficiency ratio | 68.8237% | 2,290 |
| Assets per employee ($millions) | 6.0202% | 2,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 1,926 |
| Loan loss allowance to noncurrent loans | 93.8364% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.9292% | 645 |
| Noncurrent loans to loans | 1.3478% | 604 |
| Net loans and leases to total assets | 65.4600% | 2,306 |
| Net loans and leases to deposits | 78.4989% | 2,189 |
| Net loans and leases to core deposits | 93.8438% | 1,797 |
| Total domestic deposits to total assets | 83.3900% | 2,888 |
| Equity capital to assets | 10.2003% | 1,892 |
| Core capital (leverage) ratio | 9.5135% | 3,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $2,532,109,000 | 479 |
| Average earning assets | $2,330,557,000 | 471 |
| Average equity | $255,968,000 | 465 |
| Average total loans | $1,654,003,500 | 501 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5566% | 1,095 |
| Cost of funding earning assets | 2.1260% | 735 |
| Net interest margin | 3.4305% | 2,340 |
| Noninterest income to average assets | 0.9700% | 666 |
| Noninterest expense to average assets | 2.7296% | 1,666 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 1.0484% | 2,066 |
| Return on assets (ROA) | 1.0478% | 2,043 |
| Pretax return on assets | 1.2829% | 1,917 |
| Return on Equity (ROE) | 11.0000% | 2,224 |
| Retained earnings to average equity (ytd only) | 10.9975% | 793 |
| Net charge-offs to loans | 0.2443% | 438 |
| Credit loss provision to net charge-offs | 132.0549% | 1,580 |
| Earnings coverage of net charge-offs (x) | 9.3452% | 2,296 |
| Efficiency ratio | 65.4353% | 2,423 |
| Assets per employee ($millions) | 5.4520% | 3,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 1,750 |
| Loan loss allowance to noncurrent loans | 166.0091% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.5520% | 1,014 |
| Noncurrent loans to loans | 0.7848% | 990 |
| Net loans and leases to total assets | 63.5000% | 2,509 |
| Net loans and leases to deposits | 84.2944% | 1,753 |
| Net loans and leases to core deposits | 94.3196% | 1,752 |
| Total domestic deposits to total assets | 75.3300% | 3,999 |
| Equity capital to assets | 10.0173% | 1,997 |
| Core capital (leverage) ratio | 9.3592% | 3,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,090,315,200 | 551 |
| Average earning assets | $1,944,388,800 | 539 |
| Average equity | $199,154,200 | 544 |
| Average total loans | $1,312,712,200 | 578 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2746% | 1,322 |
| Cost of funding earning assets | 1.9460% | 791 |
| Net interest margin | 3.3286% | 2,622 |
| Noninterest income to average assets | 0.8700% | 813 |
| Noninterest expense to average assets | 2.6120% | 1,910 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.0220% | 2,295 |
| Return on assets (ROA) | 1.0220% | 2,284 |
| Pretax return on assets | 1.3000% | 2,042 |
| Return on Equity (ROE) | 10.9100% | 2,398 |
| Retained earnings to average equity (ytd only) | 10.9054% | 1,173 |
| Net charge-offs to loans | 0.0067% | 2,193 |
| Credit loss provision to net charge-offs | 2,141.9355% | 226 |
| Earnings coverage of net charge-offs (x) | 327.2419% | 419 |
| Efficiency ratio | 65.5220% | 2,329 |
| Assets per employee ($millions) | 6.7874% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5866% | 910 |
| Loan loss allowance to noncurrent loans | 366.9405% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.3142% | 1,762 |
| Noncurrent loans to loans | 0.4324% | 1,750 |
| Net loans and leases to total assets | 63.4200% | 2,514 |
| Net loans and leases to deposits | 78.5620% | 2,196 |
| Net loans and leases to core deposits | 90.8950% | 1,862 |
| Total domestic deposits to total assets | 80.7300% | 3,427 |
| Equity capital to assets | 8.9721% | 2,437 |
| Core capital (leverage) ratio | 10.2751% | 2,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,980,465,750 | 579 |
| Average earning assets | $1,849,155,250 | 561 |
| Average equity | $185,590,750 | 568 |
| Average total loans | $1,233,990,750 | 613 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2075% | 1,203 |
| Cost of funding earning assets | 1.7405% | 827 |
| Net interest margin | 3.4670% | 2,352 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 2.6964% | 1,649 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 0.9997% | 2,424 |
| Return on assets (ROA) | 0.9997% | 2,418 |
| Pretax return on assets | 1.2693% | 2,166 |
| Return on Equity (ROE) | 10.5100% | 2,553 |
| Retained earnings to average equity (ytd only) | 10.5072% | 1,277 |
| Net charge-offs to loans | -0.0089% | 3,878 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.2858% | 1,949 |
| Assets per employee ($millions) | 6.6486% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6097% | 917 |
| Loan loss allowance to noncurrent loans | 347.6720% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.3291% | 1,607 |
| Noncurrent loans to loans | 0.4630% | 1,554 |
| Net loans and leases to total assets | 62.0400% | 2,571 |
| Net loans and leases to deposits | 77.4557% | 2,183 |
| Net loans and leases to core deposits | 89.7316% | 1,815 |
| Total domestic deposits to total assets | 80.0900% | 3,571 |
| Equity capital to assets | 9.3468% | 2,270 |
| Core capital (leverage) ratio | 10.3921% | 2,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,941,519,000 | 574 |
| Average earning assets | $1,812,307,667 | 562 |
| Average equity | $184,730,000 | 563 |
| Average total loans | $1,194,784,667 | 617 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9927% | 1,237 |
| Cost of funding earning assets | 1.5543% | 761 |
| Net interest margin | 3.4385% | 2,534 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 2.7559% | 1,538 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.8610% | 2,989 |
| Return on assets (ROA) | 0.8610% | 2,936 |
| Pretax return on assets | 1.0808% | 2,764 |
| Return on Equity (ROE) | 8.9600% | 3,060 |
| Retained earnings to average equity (ytd only) | 8.9622% | 1,961 |
| Net charge-offs to loans | -0.0207% | 4,112 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.4586% | 1,706 |
| Assets per employee ($millions) | 6.3407% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8839% | 562 |
| Loan loss allowance to noncurrent loans | 749.7815% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.1878% | 2,204 |
| Noncurrent loans to loans | 0.2513% | 2,246 |
| Net loans and leases to total assets | 59.8800% | 2,667 |
| Net loans and leases to deposits | 72.9853% | 2,385 |
| Net loans and leases to core deposits | 83.7017% | 2,005 |
| Total domestic deposits to total assets | 82.0400% | 3,480 |
| Equity capital to assets | 9.5597% | 2,095 |
| Core capital (leverage) ratio | 10.3601% | 2,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,910,789,500 | 597 |
| Average earning assets | $1,783,472,500 | 581 |
| Average equity | $183,570,000 | 576 |
| Average total loans | $1,161,285,500 | 641 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2772% | 1,096 |
| Cost of funding earning assets | 0.5234% | 1,249 |
| Net interest margin | 3.7538% | 1,259 |
| Noninterest income to average assets | 0.8100% | 982 |
| Noninterest expense to average assets | 2.7722% | 1,373 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.3996% | 1,131 |
| Return on assets (ROA) | 1.3997% | 1,092 |
| Pretax return on assets | 1.4087% | 1,744 |
| Return on Equity (ROE) | 15.0900% | 1,236 |
| Retained earnings to average equity (ytd only) | 13.7167% | 421 |
| Net charge-offs to loans | -0.0457% | 4,329 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.3624% | 2,452 |
| Assets per employee ($millions) | 6.4651% | 2,364 |
| Cash dividends to net income (ytd only)* | 9.1015% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4757% | 1,276 |
| Loan loss allowance to noncurrent loans | 599.8572% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.1868% | 2,250 |
| Noncurrent loans to loans | 0.2460% | 2,293 |
| Net loans and leases to total assets | 59.6200% | 2,674 |
| Net loans and leases to deposits | 77.4425% | 2,001 |
| Net loans and leases to core deposits | 83.3608% | 1,909 |
| Total domestic deposits to total assets | 76.9900% | 4,175 |
| Equity capital to assets | 9.6602% | 1,914 |
| Core capital (leverage) ratio | 10.6952% | 2,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,654,730,400 | 650 |
| Average earning assets | $1,536,083,800 | 642 |
| Average equity | $153,484,600 | 668 |
| Average total loans | $1,021,890,600 | 667 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0757% | 1,111 |
| Cost of funding earning assets | 0.3050% | 2,110 |
| Net interest margin | 3.7707% | 996 |
| Noninterest income to average assets | 0.8900% | 844 |
| Noninterest expense to average assets | 2.8549% | 1,135 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.5407% | 757 |
| Return on assets (ROA) | 1.5407% | 739 |
| Pretax return on assets | 1.4137% | 1,676 |
| Return on Equity (ROE) | 16.8200% | 830 |
| Retained earnings to average equity (ytd only) | 14.8964% | 373 |
| Net charge-offs to loans | -0.0753% | 4,416 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.9374% | 2,415 |
| Assets per employee ($millions) | 5.8050% | 2,924 |
| Cash dividends to net income (ytd only)* | 11.4150% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5504% | 1,168 |
| Loan loss allowance to noncurrent loans | 1,539.5677% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 2,862 |
| Noncurrent loans to loans | 0.1007% | 3,155 |
| Net loans and leases to total assets | 57.9900% | 2,700 |
| Net loans and leases to deposits | 71.9259% | 2,210 |
| Net loans and leases to core deposits | 76.7720% | 2,134 |
| Total domestic deposits to total assets | 80.6200% | 4,041 |
| Equity capital to assets | 9.7632% | 1,749 |
| Core capital (leverage) ratio | 11.3586% | 1,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,598,078,250 | 672 |
| Average earning assets | $1,482,128,250 | 667 |
| Average equity | $146,420,500 | 698 |
| Average total loans | $992,726,750 | 682 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9787% | 965 |
| Cost of funding earning assets | 0.2356% | 2,442 |
| Net interest margin | 3.7431% | 847 |
| Noninterest income to average assets | 0.9201% | 807 |
| Noninterest expense to average assets | 2.9202% | 959 |
| Loan and lease loss provision to assets | 0.1210% | 820 |
| Net operating income to assets | 1.7319% | 395 |
| Return on assets (ROA) | 1.7318% | 392 |
| Pretax return on assets | 1.3422% | 1,609 |
| Return on Equity (ROE) | 19.3976% | 352 |
| Retained earnings to average equity (ytd only) | 16.3169% | 176 |
| Net charge-offs to loans | -0.0315% | 4,053 |
| Credit loss provision to net charge-offs | -605.8824% | 3,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4514% | 2,451 |
| Assets per employee ($millions) | 5.6575% | 3,081 |
| Cash dividends to net income (ytd only)* | 15.8819% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5635% | 1,239 |
| Loan loss allowance to noncurrent loans | 925.2537% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.1448% | 2,711 |
| Noncurrent loans to loans | 0.1690% | 2,847 |
| Net loans and leases to total assets | 59.8863% | 2,338 |
| Net loans and leases to deposits | 66.9020% | 2,477 |
| Net loans and leases to core deposits | 71.8957% | 2,345 |
| Total domestic deposits to total assets | 89.5135% | 1,937 |
| Equity capital to assets | 9.6156% | 1,928 |
| Core capital (leverage) ratio | 10.4321% | 2,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,532,858,333 | 688 |
| Average earning assets | $1,418,285,333 | 685 |
| Average equity | $136,852,000 | 738 |
| Average total loans | $971,453,333 | 687 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8049% | 1,077 |
| Cost of funding earning assets | 0.2411% | 2,258 |
| Net interest margin | 3.5638% | 956 |
| Noninterest income to average assets | 0.8967% | 842 |
| Noninterest expense to average assets | 2.9514% | 882 |
| Loan and lease loss provision to assets | 0.1282% | 642 |
| Net operating income to assets | 1.1343% | 1,427 |
| Return on assets (ROA) | 1.1343% | 1,421 |
| Pretax return on assets | 1.1343% | 2,039 |
| Return on Equity (ROE) | 13.2660% | 985 |
| Retained earnings to average equity (ytd only) | 13.2660% | 443 |
| Net charge-offs to loans | -0.0824% | 4,409 |
| Credit loss provision to net charge-offs | -240.4040% | 3,008 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8593% | 2,252 |
| Assets per employee ($millions) | 5.6117% | 3,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6018% | 1,267 |
| Loan loss allowance to noncurrent loans | 805.7128% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.1703% | 2,597 |
| Noncurrent loans to loans | 0.1988% | 2,826 |
| Net loans and leases to total assets | 60.5097% | 2,011 |
| Net loans and leases to deposits | 66.7022% | 2,272 |
| Net loans and leases to core deposits | 71.9485% | 2,118 |
| Total domestic deposits to total assets | 90.7162% | 1,172 |
| Equity capital to assets | 8.4868% | 3,170 |
| Core capital (leverage) ratio | 8.6804% | 3,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,484,602,500 | 702 |
| Average earning assets | $1,381,888,500 | 700 |
| Average equity | $126,941,500 | 808 |
| Average total loans | $961,546,000 | 686 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4586% | 636 |
| Cost of funding earning assets | 0.3365% | 2,058 |
| Net interest margin | 4.1220% | 570 |
| Noninterest income to average assets | 1.0497% | 920 |
| Noninterest expense to average assets | 2.9897% | 995 |
| Loan and lease loss provision to assets | 0.1762% | 655 |
| Net operating income to assets | 1.7131% | 615 |
| Return on assets (ROA) | 1.7134% | 638 |
| Pretax return on assets | 1.7134% | 1,115 |
| Return on Equity (ROE) | 18.9649% | 383 |
| Retained earnings to average equity (ytd only) | 7.1444% | 1,865 |
| Net charge-offs to loans | 0.0234% | 1,777 |
| Credit loss provision to net charge-offs | 1,074.3243% | 510 |
| Earnings coverage of net charge-offs (x) | 115.1712% | 810 |
| Efficiency ratio | 61.1077% | 2,981 |
| Assets per employee ($millions) | 5.3230% | 3,453 |
| Cash dividends to net income (ytd only)* | 62.3280% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4696% | 1,662 |
| Loan loss allowance to noncurrent loans | 590.6186% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 2,442 |
| Noncurrent loans to loans | 0.2488% | 2,734 |
| Net loans and leases to total assets | 67.2538% | 1,338 |
| Net loans and leases to deposits | 74.3586% | 1,700 |
| Net loans and leases to core deposits | 81.0797% | 1,514 |
| Total domestic deposits to total assets | 90.4453% | 740 |
| Equity capital to assets | 8.6185% | 3,969 |
| Core capital (leverage) ratio | 8.2548% | 4,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,353,261,800 | 738 |
| Average earning assets | $1,257,171,600 | 739 |
| Average equity | $122,262,800 | 847 |
| Average total loans | $947,687,200 | 691 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5431% | 621 |
| Cost of funding earning assets | 0.3543% | 2,076 |
| Net interest margin | 4.1888% | 555 |
| Noninterest income to average assets | 1.0839% | 939 |
| Noninterest expense to average assets | 2.9359% | 1,066 |
| Loan and lease loss provision to assets | 0.1861% | 564 |
| Net operating income to assets | 1.8532% | 612 |
| Return on assets (ROA) | 1.8532% | 634 |
| Pretax return on assets | 1.8532% | 1,038 |
| Return on Equity (ROE) | 20.2606% | 411 |
| Retained earnings to average equity (ytd only) | 9.7507% | 1,394 |
| Net charge-offs to loans | -0.0092% | 3,643 |
| Credit loss provision to net charge-offs | -2,860.0000% | 4,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8438% | 3,148 |
| Assets per employee ($millions) | 5.1587% | 3,547 |
| Cash dividends to net income (ytd only)* | 51.8739% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4973% | 1,646 |
| Loan loss allowance to noncurrent loans | 518.7706% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 2,518 |
| Noncurrent loans to loans | 0.2886% | 2,760 |
| Net loans and leases to total assets | 66.9639% | 1,434 |
| Net loans and leases to deposits | 74.4462% | 1,816 |
| Net loans and leases to core deposits | 81.5739% | 1,603 |
| Total domestic deposits to total assets | 89.9494% | 794 |
| Equity capital to assets | 9.0470% | 3,782 |
| Core capital (leverage) ratio | 8.5128% | 4,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,332,276,000 | 758 |
| Average earning assets | $1,237,625,000 | 760 |
| Average equity | $121,862,250 | 862 |
| Average total loans | $939,361,000 | 712 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5197% | 705 |
| Cost of funding earning assets | 0.3669% | 2,166 |
| Net interest margin | 4.1528% | 636 |
| Noninterest income to average assets | 1.1768% | 828 |
| Noninterest expense to average assets | 2.9486% | 1,072 |
| Loan and lease loss provision to assets | 0.2062% | 535 |
| Net operating income to assets | 1.8849% | 612 |
| Return on assets (ROA) | 1.8849% | 636 |
| Pretax return on assets | 1.8849% | 1,051 |
| Return on Equity (ROE) | 20.5281% | 417 |
| Retained earnings to average equity (ytd only) | 9.2265% | 1,641 |
| Net charge-offs to loans | -0.0342% | 4,210 |
| Credit loss provision to net charge-offs | -845.6250% | 3,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3371% | 3,239 |
| Assets per employee ($millions) | 5.1690% | 3,489 |
| Cash dividends to net income (ytd only)* | 55.0542% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4301% | 1,849 |
| Loan loss allowance to noncurrent loans | 523.6592% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.2508% | 2,670 |
| Noncurrent loans to loans | 0.2731% | 2,960 |
| Net loans and leases to total assets | 69.7991% | 1,222 |
| Net loans and leases to deposits | 77.5907% | 1,669 |
| Net loans and leases to core deposits | 85.1639% | 1,481 |
| Total domestic deposits to total assets | 89.9581% | 801 |
| Equity capital to assets | 9.0324% | 3,767 |
| Core capital (leverage) ratio | 8.3803% | 4,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,312,081,667 | 766 |
| Average earning assets | $1,220,535,333 | 768 |
| Average equity | $120,479,000 | 867 |
| Average total loans | $936,851,000 | 714 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5144% | 759 |
| Cost of funding earning assets | 0.3798% | 2,265 |
| Net interest margin | 4.1346% | 685 |
| Noninterest income to average assets | 0.9034% | 1,316 |
| Noninterest expense to average assets | 3.0096% | 975 |
| Loan and lease loss provision to assets | 0.2729% | 358 |
| Net operating income to assets | 1.4604% | 1,421 |
| Return on assets (ROA) | 1.4604% | 1,482 |
| Pretax return on assets | 1.4604% | 2,106 |
| Return on Equity (ROE) | 15.7690% | 1,067 |
| Retained earnings to average equity (ytd only) | 14.0426% | 752 |
| Net charge-offs to loans | -0.0156% | 3,877 |
| Credit loss provision to net charge-offs | -2,441.6667% | 3,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3174% | 2,561 |
| Assets per employee ($millions) | 5.3217% | 3,305 |
| Cash dividends to net income (ytd only)* | 10.9481% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3844% | 2,031 |
| Loan loss allowance to noncurrent loans | 373.8007% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3318% | 2,478 |
| Noncurrent loans to loans | 0.3704% | 2,761 |
| Net loans and leases to total assets | 69.3992% | 1,367 |
| Net loans and leases to deposits | 76.9856% | 1,801 |
| Net loans and leases to core deposits | 84.5437% | 1,626 |
| Total domestic deposits to total assets | 90.1457% | 753 |
| Equity capital to assets | 8.9558% | 3,730 |
| Core capital (leverage) ratio | 8.6824% | 3,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,288,394,500 | 772 |
| Average earning assets | $1,196,425,500 | 772 |
| Average equity | $119,322,500 | 866 |
| Average total loans | $923,949,000 | 723 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8641% | 645 |
| Cost of funding earning assets | 0.6320% | 2,106 |
| Net interest margin | 4.2321% | 592 |
| Noninterest income to average assets | 0.9919% | 1,058 |
| Noninterest expense to average assets | 3.0086% | 1,411 |
| Loan and lease loss provision to assets | 0.2832% | 1,345 |
| Net operating income to assets | 1.6135% | 621 |
| Return on assets (ROA) | 1.6284% | 650 |
| Pretax return on assets | 1.6284% | 1,005 |
| Return on Equity (ROE) | 16.3831% | 463 |
| Retained earnings to average equity (ytd only) | 5.9776% | 1,801 |
| Net charge-offs to loans | 0.0182% | 2,716 |
| Credit loss provision to net charge-offs | 2,063.2911% | 431 |
| Earnings coverage of net charge-offs (x) | 138.1835% | 618 |
| Efficiency ratio | 61.1363% | 3,282 |
| Assets per employee ($millions) | 4.8614% | 3,535 |
| Cash dividends to net income (ytd only)* | 63.5137% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 2,115 |
| Loan loss allowance to noncurrent loans | 246.0643% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.4854% | 2,106 |
| Noncurrent loans to loans | 0.5554% | 2,317 |
| Net loans and leases to total assets | 72.1912% | 1,268 |
| Net loans and leases to deposits | 81.1092% | 1,748 |
| Net loans and leases to core deposits | 90.2891% | 1,502 |
| Total domestic deposits to total assets | 89.0049% | 988 |
| Equity capital to assets | 9.5985% | 3,518 |
| Core capital (leverage) ratio | 8.9819% | 3,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,151,075,400 | 781 |
| Average earning assets | $1,064,391,600 | 774 |
| Average equity | $114,410,400 | 861 |
| Average total loans | $866,772,600 | 741 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8256% | 846 |
| Cost of funding earning assets | 0.6972% | 2,038 |
| Net interest margin | 4.1284% | 849 |
| Noninterest income to average assets | 0.9835% | 1,048 |
| Noninterest expense to average assets | 2.9597% | 1,533 |
| Loan and lease loss provision to assets | 0.3225% | 1,220 |
| Net operating income to assets | 1.5194% | 863 |
| Return on assets (ROA) | 1.5396% | 912 |
| Pretax return on assets | 1.5396% | 1,358 |
| Return on Equity (ROE) | 15.3473% | 639 |
| Retained earnings to average equity (ytd only) | 6.0424% | 2,091 |
| Net charge-offs to loans | -0.0090% | 4,202 |
| Credit loss provision to net charge-offs | -4,727.5862% | 4,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4362% | 3,154 |
| Assets per employee ($millions) | 4.9551% | 3,304 |
| Cash dividends to net income (ytd only)* | 60.6285% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 2,186 |
| Loan loss allowance to noncurrent loans | 230.6891% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.5160% | 2,145 |
| Noncurrent loans to loans | 0.5604% | 2,393 |
| Net loans and leases to total assets | 76.1042% | 1,079 |
| Net loans and leases to deposits | 87.7926% | 1,507 |
| Net loans and leases to core deposits | 98.2951% | 1,290 |
| Total domestic deposits to total assets | 86.6864% | 1,779 |
| Equity capital to assets | 9.6180% | 3,584 |
| Core capital (leverage) ratio | 8.8368% | 3,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,132,574,500 | 779 |
| Average earning assets | $1,047,450,500 | 768 |
| Average equity | $113,615,750 | 862 |
| Average total loans | $859,302,500 | 739 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9038% | 970 |
| Cost of funding earning assets | 0.7642% | 2,027 |
| Net interest margin | 4.1397% | 1,042 |
| Noninterest income to average assets | 0.9485% | 1,074 |
| Noninterest expense to average assets | 2.9898% | 1,593 |
| Loan and lease loss provision to assets | 0.2947% | 1,460 |
| Net operating income to assets | 1.4890% | 943 |
| Return on assets (ROA) | 1.4952% | 1,009 |
| Pretax return on assets | 1.4952% | 1,467 |
| Return on Equity (ROE) | 14.6864% | 759 |
| Retained earnings to average equity (ytd only) | 14.6864% | 237 |
| Net charge-offs to loans | -0.0127% | 4,270 |
| Credit loss provision to net charge-offs | -3,086.7925% | 4,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4217% | 3,059 |
| Assets per employee ($millions) | 5.0287% | 3,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1819% | 2,602 |
| Loan loss allowance to noncurrent loans | 206.0243% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.5103% | 2,305 |
| Noncurrent loans to loans | 0.5737% | 2,439 |
| Net loans and leases to total assets | 74.7892% | 1,304 |
| Net loans and leases to deposits | 86.9016% | 1,670 |
| Net loans and leases to core deposits | 97.2777% | 1,477 |
| Total domestic deposits to total assets | 86.0619% | 1,982 |
| Equity capital to assets | 9.7729% | 3,401 |
| Core capital (leverage) ratio | 9.2827% | 3,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,110,387,000 | 783 |
| Average earning assets | $1,025,974,667 | 769 |
| Average equity | $113,043,333 | 859 |
| Average total loans | $837,554,667 | 746 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0635% | 856 |
| Cost of funding earning assets | 0.8790% | 1,975 |
| Net interest margin | 4.1845% | 953 |
| Noninterest income to average assets | 1.0136% | 829 |
| Noninterest expense to average assets | 3.2366% | 1,348 |
| Loan and lease loss provision to assets | 0.3277% | 946 |
| Net operating income to assets | 1.3039% | 1,238 |
| Return on assets (ROA) | 1.3039% | 1,331 |
| Pretax return on assets | 1.3039% | 1,861 |
| Return on Equity (ROE) | 12.5206% | 979 |
| Retained earnings to average equity (ytd only) | 12.5206% | 369 |
| Net charge-offs to loans | 0.0060% | 2,358 |
| Credit loss provision to net charge-offs | 7,233.3333% | 103 |
| Earnings coverage of net charge-offs (x) | 360.1667% | 192 |
| Efficiency ratio | 66.2686% | 2,918 |
| Assets per employee ($millions) | 4.5902% | 3,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2629% | 2,320 |
| Loan loss allowance to noncurrent loans | 192.1659% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5908% | 2,227 |
| Noncurrent loans to loans | 0.6572% | 2,348 |
| Net loans and leases to total assets | 72.5386% | 1,847 |
| Net loans and leases to deposits | 82.1784% | 2,432 |
| Net loans and leases to core deposits | 92.8699% | 2,077 |
| Total domestic deposits to total assets | 88.2697% | 989 |
| Equity capital to assets | 10.4736% | 3,349 |
| Core capital (leverage) ratio | 9.8655% | 3,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,059,628,000 | 783 |
| Average earning assets | $976,086,000 | 773 |
| Average equity | $110,346,000 | 869 |
| Average total loans | $797,724,500 | 753 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1611% | 1,084 |
| Cost of funding earning assets | 1.0105% | 1,682 |
| Net interest margin | 4.1505% | 1,422 |
| Noninterest income to average assets | 1.2570% | 597 |
| Noninterest expense to average assets | 3.1638% | 1,608 |
| Loan and lease loss provision to assets | 0.1384% | 1,540 |
| Net operating income to assets | 1.8091% | 514 |
| Return on assets (ROA) | 1.8108% | 538 |
| Pretax return on assets | 1.8108% | 913 |
| Return on Equity (ROE) | 17.6313% | 369 |
| Retained earnings to average equity (ytd only) | 0.8647% | 4,427 |
| Net charge-offs to loans | -0.0906% | 4,939 |
| Credit loss provision to net charge-offs | -204.2693% | 4,305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7086% | 3,422 |
| Assets per employee ($millions) | 4.5242% | 3,185 |
| Cash dividends to net income (ytd only)* | 95.0959% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1398% | 2,748 |
| Loan loss allowance to noncurrent loans | 168.4211% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.6357% | 1,993 |
| Noncurrent loans to loans | 0.6767% | 2,192 |
| Net loans and leases to total assets | 76.2876% | 1,362 |
| Net loans and leases to deposits | 86.1998% | 2,063 |
| Net loans and leases to core deposits | 98.1796% | 1,712 |
| Total domestic deposits to total assets | 88.5009% | 888 |
| Equity capital to assets | 10.3515% | 3,587 |
| Core capital (leverage) ratio | 9.6173% | 3,940 |
| Tier 1 risk-based capital ratio | 11.3148% | 4,727 |
| Total risk-based capital ratio | 12.3656% | 4,705 |
| Memoranda: | ||
| Average total assets | $898,620,600 | 876 |
| Average earning assets | $834,497,800 | 869 |
| Average equity | $92,290,400 | 957 |
| Average total loans | $672,085,800 | 834 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1643% | 1,119 |
| Cost of funding earning assets | 1.0274% | 1,644 |
| Net interest margin | 4.1370% | 1,534 |
| Noninterest income to average assets | 1.3382% | 524 |
| Noninterest expense to average assets | 3.1029% | 1,709 |
| Loan and lease loss provision to assets | 0.1795% | 1,019 |
| Net operating income to assets | 1.9079% | 483 |
| Return on assets (ROA) | 1.9107% | 499 |
| Pretax return on assets | 1.9107% | 842 |
| Return on Equity (ROE) | 18.6484% | 342 |
| Retained earnings to average equity (ytd only) | 9.2978% | 959 |
| Net charge-offs to loans | -0.1345% | 5,047 |
| Credit loss provision to net charge-offs | -180.1550% | 4,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5893% | 3,711 |
| Assets per employee ($millions) | 4.4378% | 3,301 |
| Cash dividends to net income (ytd only)* | 50.1415% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3362% | 1,811 |
| Loan loss allowance to noncurrent loans | 232.2622% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.5497% | 2,361 |
| Noncurrent loans to loans | 0.5753% | 2,574 |
| Net loans and leases to total assets | 75.0135% | 1,646 |
| Net loans and leases to deposits | 88.3498% | 1,887 |
| Net loans and leases to core deposits | 103.7759% | 1,341 |
| Total domestic deposits to total assets | 84.9052% | 2,455 |
| Equity capital to assets | 10.2661% | 3,758 |
| Core capital (leverage) ratio | 10.3491% | 3,256 |
| Tier 1 risk-based capital ratio | 12.4850% | 4,152 |
| Total risk-based capital ratio | 13.7351% | 4,034 |
| Memoranda: | ||
| Average total assets | $863,134,750 | 908 |
| Average earning assets | $803,695,750 | 902 |
| Average equity | $88,434,500 | 991 |
| Average total loans | $639,364,000 | 867 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0864% | 1,250 |
| Cost of funding earning assets | 0.9818% | 1,784 |
| Net interest margin | 4.1045% | 1,595 |
| Noninterest income to average assets | 1.0643% | 757 |
| Noninterest expense to average assets | 3.0703% | 1,812 |
| Loan and lease loss provision to assets | 0.0176% | 3,443 |
| Net operating income to assets | 1.7976% | 601 |
| Return on assets (ROA) | 1.8018% | 616 |
| Pretax return on assets | 1.8018% | 1,025 |
| Return on Equity (ROE) | 17.5982% | 401 |
| Retained earnings to average equity (ytd only) | 8.7280% | 1,120 |
| Net charge-offs to loans | -0.1036% | 5,005 |
| Credit loss provision to net charge-offs | -23.1481% | 3,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6387% | 3,334 |
| Assets per employee ($millions) | 4.2244% | 3,535 |
| Cash dividends to net income (ytd only)* | 50.4039% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 2,540 |
| Loan loss allowance to noncurrent loans | 207.6321% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.5818% | 2,270 |
| Noncurrent loans to loans | 0.5764% | 2,532 |
| Net loans and leases to total assets | 73.0333% | 2,050 |
| Net loans and leases to deposits | 83.6424% | 2,530 |
| Net loans and leases to core deposits | 96.8622% | 1,994 |
| Total domestic deposits to total assets | 87.3161% | 1,429 |
| Equity capital to assets | 10.3068% | 3,688 |
| Core capital (leverage) ratio | 10.3555% | 3,235 |
| Tier 1 risk-based capital ratio | 12.9852% | 3,843 |
| Total risk-based capital ratio | 14.1191% | 3,814 |
| Memoranda: | ||
| Average total assets | $852,035,670 | 912 |
| Average earning assets | $793,220,330 | 911 |
| Average equity | $87,236,330 | 998 |
| Average total loans | $625,301,330 | 884 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0444% | 1,227 |
| Cost of funding earning assets | 0.9141% | 1,942 |
| Net interest margin | 4.1303% | 1,480 |
| Noninterest income to average assets | 0.9937% | 823 |
| Noninterest expense to average assets | 3.1186% | 1,691 |
| Loan and lease loss provision to assets | 0.0119% | 3,283 |
| Net operating income to assets | 1.6988% | 728 |
| Return on assets (ROA) | 1.7074% | 744 |
| Pretax return on assets | 1.7074% | 1,190 |
| Return on Equity (ROE) | 16.7332% | 497 |
| Retained earnings to average equity (ytd only) | 16.7332% | 193 |
| Net charge-offs to loans | -0.1992% | 5,170 |
| Credit loss provision to net charge-offs | -8.1433% | 3,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3608% | 3,179 |
| Assets per employee ($millions) | 4.2744% | 3,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 2,291 |
| Loan loss allowance to noncurrent loans | 211.7370% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.5379% | 2,489 |
| Noncurrent loans to loans | 0.5936% | 2,561 |
| Net loans and leases to total assets | 70.1303% | 2,457 |
| Net loans and leases to deposits | 79.0094% | 2,946 |
| Net loans and leases to core deposits | 89.5796% | 2,543 |
| Total domestic deposits to total assets | 88.7620% | 972 |
| Equity capital to assets | 10.3178% | 3,510 |
| Core capital (leverage) ratio | 10.4999% | 3,050 |
| Tier 1 risk-based capital ratio | 13.3129% | 3,711 |
| Total risk-based capital ratio | 14.4682% | 3,665 |
| Memoranda: | ||
| Average total assets | $842,943,500 | 927 |
| Average earning assets | $782,805,000 | 924 |
| Average equity | $86,008,500 | 1,002 |
| Average total loans | $616,327,500 | 900 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8842% | 1,334 |
| Cost of funding earning assets | 0.6803% | 2,211 |
| Net interest margin | 4.2039% | 1,383 |
| Noninterest income to average assets | 1.1512% | 695 |
| Noninterest expense to average assets | 2.9910% | 2,065 |
| Loan and lease loss provision to assets | 0.3259% | 489 |
| Net operating income to assets | 1.7515% | 611 |
| Return on assets (ROA) | 1.7906% | 558 |
| Pretax return on assets | 1.7906% | 948 |
| Return on Equity (ROE) | 18.5836% | 336 |
| Retained earnings to average equity (ytd only) | 9.6241% | 700 |
| Net charge-offs to loans | 0.3475% | 545 |
| Credit loss provision to net charge-offs | 129.0354% | 2,045 |
| Earnings coverage of net charge-offs (x) | 8.2254% | 2,916 |
| Efficiency ratio | 58.8029% | 4,036 |
| Assets per employee ($millions) | 4.0736% | 3,785 |
| Cash dividends to net income (ytd only)* | 48.2122% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 2,736 |
| Loan loss allowance to noncurrent loans | 217.5857% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.5558% | 2,388 |
| Noncurrent loans to loans | 0.5364% | 2,666 |
| Net loans and leases to total assets | 74.3910% | 1,866 |
| Net loans and leases to deposits | 89.9654% | 1,805 |
| Net loans and leases to core deposits | 101.9543% | 1,582 |
| Total domestic deposits to total assets | 82.6884% | 3,428 |
| Equity capital to assets | 10.0857% | 3,589 |
| Core capital (leverage) ratio | 10.3145% | 3,237 |
| Tier 1 risk-based capital ratio | 12.6543% | 4,043 |
| Total risk-based capital ratio | 13.7499% | 4,005 |
| Memoranda: | ||
| Average total assets | $816,863,800 | 936 |
| Average earning assets | $761,120,000 | 924 |
| Average equity | $78,709,000 | 1,045 |
| Average total loans | $593,627,200 | 906 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7649% | 1,511 |
| Cost of funding earning assets | 0.6309% | 2,266 |
| Net interest margin | 4.1341% | 1,537 |
| Noninterest income to average assets | 1.1078% | 768 |
| Noninterest expense to average assets | 2.9824% | 2,059 |
| Loan and lease loss provision to assets | 0.3592% | 372 |
| Net operating income to assets | 1.6206% | 925 |
| Return on assets (ROA) | 1.6208% | 926 |
| Pretax return on assets | 1.6208% | 1,510 |
| Return on Equity (ROE) | 17.0242% | 539 |
| Retained earnings to average equity (ytd only) | 9.2361% | 1,138 |
| Net charge-offs to loans | 0.2279% | 747 |
| Credit loss provision to net charge-offs | 218.8811% | 1,292 |
| Earnings coverage of net charge-offs (x) | 12.0650% | 2,474 |
| Efficiency ratio | 59.8877% | 3,828 |
| Assets per employee ($millions) | 4.1615% | 3,626 |
| Cash dividends to net income (ytd only)* | 45.7470% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2969% | 2,108 |
| Loan loss allowance to noncurrent loans | 187.7022% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.9642% | 1,512 |
| Noncurrent loans to loans | 0.6909% | 2,350 |
| Net loans and leases to total assets | 72.8866% | 2,189 |
| Net loans and leases to deposits | 88.9473% | 2,027 |
| Net loans and leases to core deposits | 100.1472% | 1,782 |
| Total domestic deposits to total assets | 81.9436% | 3,626 |
| Equity capital to assets | 9.7341% | 3,890 |
| Core capital (leverage) ratio | 10.0236% | 3,609 |
| Tier 1 risk-based capital ratio | 12.3196% | 4,306 |
| Total risk-based capital ratio | 13.5058% | 4,235 |
| Memoranda: | ||
| Average total assets | $813,327,000 | 939 |
| Average earning assets | $758,299,750 | 927 |
| Average equity | $77,433,000 | 1,056 |
| Average total loans | $585,659,750 | 919 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6703% | 1,579 |
| Cost of funding earning assets | 0.5684% | 2,445 |
| Net interest margin | 4.1018% | 1,551 |
| Noninterest income to average assets | 1.0788% | 823 |
| Noninterest expense to average assets | 3.0361% | 1,952 |
| Loan and lease loss provision to assets | 0.3791% | 329 |
| Net operating income to assets | 1.4935% | 1,179 |
| Return on assets (ROA) | 1.4937% | 1,173 |
| Pretax return on assets | 1.4937% | 1,837 |
| Return on Equity (ROE) | 15.8100% | 706 |
| Retained earnings to average equity (ytd only) | 7.9390% | 1,656 |
| Net charge-offs to loans | 0.1609% | 956 |
| Credit loss provision to net charge-offs | 330.1075% | 943 |
| Earnings coverage of net charge-offs (x) | 16.3054% | 2,001 |
| Efficiency ratio | 61.6352% | 3,676 |
| Assets per employee ($millions) | 4.0549% | 3,804 |
| Cash dividends to net income (ytd only)* | 49.7851% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3198% | 2,073 |
| Loan loss allowance to noncurrent loans | 157.4352% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 1.0669% | 1,391 |
| Noncurrent loans to loans | 0.8383% | 2,048 |
| Net loans and leases to total assets | 71.2883% | 2,391 |
| Net loans and leases to deposits | 83.4378% | 2,597 |
| Net loans and leases to core deposits | 94.5642% | 2,178 |
| Total domestic deposits to total assets | 85.4389% | 2,517 |
| Equity capital to assets | 9.5754% | 4,032 |
| Core capital (leverage) ratio | 9.9503% | 3,633 |
| Tier 1 risk-based capital ratio | 11.9302% | 4,539 |
| Total risk-based capital ratio | 13.0985% | 4,474 |
| Memoranda: | ||
| Average total assets | $809,775,670 | 946 |
| Average earning assets | $756,101,670 | 931 |
| Average equity | $76,508,330 | 1,069 |
| Average total loans | $578,058,670 | 929 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5167% | 1,812 |
| Cost of funding earning assets | 0.5332% | 2,522 |
| Net interest margin | 3.9834% | 1,779 |
| Noninterest income to average assets | 0.9996% | 909 |
| Noninterest expense to average assets | 3.1142% | 1,786 |
| Loan and lease loss provision to assets | 0.2002% | 837 |
| Net operating income to assets | 1.4020% | 1,337 |
| Return on assets (ROA) | 1.4025% | 1,341 |
| Pretax return on assets | 1.4025% | 1,989 |
| Return on Equity (ROE) | 14.9457% | 810 |
| Retained earnings to average equity (ytd only) | 14.9457% | 331 |
| Net charge-offs to loans | -0.0168% | 4,467 |
| Credit loss provision to net charge-offs | -1,683.3333% | 4,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7980% | 3,205 |
| Assets per employee ($millions) | 4.0615% | 3,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 2,468 |
| Loan loss allowance to noncurrent loans | 118.7406% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 1.1662% | 1,313 |
| Noncurrent loans to loans | 1.0598% | 1,729 |
| Net loans and leases to total assets | 69.5467% | 2,554 |
| Net loans and leases to deposits | 78.1504% | 3,004 |
| Net loans and leases to core deposits | 87.0892% | 2,709 |
| Total domestic deposits to total assets | 88.9907% | 1,093 |
| Equity capital to assets | 9.5624% | 4,030 |
| Core capital (leverage) ratio | 9.7394% | 3,811 |
| Tier 1 risk-based capital ratio | 11.7592% | 4,708 |
| Total risk-based capital ratio | 12.8411% | 4,699 |
| Memoranda: | ||
| Average total assets | $807,146,000 | 955 |
| Average earning assets | $753,118,000 | 940 |
| Average equity | $75,741,000 | 1,084 |
| Average total loans | $572,690,000 | 936 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4790% | 1,784 |
| Cost of funding earning assets | 0.4982% | 2,344 |
| Net interest margin | 3.9808% | 1,805 |
| Noninterest income to average assets | 1.1133% | 821 |
| Noninterest expense to average assets | 3.0835% | 1,905 |
| Loan and lease loss provision to assets | 0.0822% | 2,555 |
| Net operating income to assets | 1.6531% | 581 |
| Return on assets (ROA) | 1.6466% | 607 |
| Pretax return on assets | 1.6466% | 1,170 |
| Return on Equity (ROE) | 18.0082% | 302 |
| Retained earnings to average equity (ytd only) | 8.0013% | 764 |
| Net charge-offs to loans | 0.1208% | 1,839 |
| Credit loss provision to net charge-offs | 99.6899% | 2,609 |
| Earnings coverage of net charge-offs (x) | 21.0527% | 1,929 |
| Efficiency ratio | 63.7885% | 3,633 |
| Assets per employee ($millions) | 4.0915% | 3,824 |
| Cash dividends to net income (ytd only)* | 55.5685% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 3,015 |
| Loan loss allowance to noncurrent loans | 112.5651% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 1.1345% | 1,316 |
| Noncurrent loans to loans | 1.0282% | 1,728 |
| Net loans and leases to total assets | 70.6409% | 2,426 |
| Net loans and leases to deposits | 84.7005% | 2,413 |
| Net loans and leases to core deposits | 95.8013% | 2,038 |
| Total domestic deposits to total assets | 83.4009% | 3,423 |
| Equity capital to assets | 9.2065% | 4,521 |
| Core capital (leverage) ratio | 9.4035% | 4,154 |
| Tier 1 risk-based capital ratio | 11.4782% | 4,862 |
| Total risk-based capital ratio | 12.5085% | 4,883 |
| Memoranda: | ||
| Average total assets | $782,545,200 | 951 |
| Average earning assets | $728,424,800 | 945 |
| Average equity | $71,550,600 | 1,112 |
| Average total loans | $533,761,600 | 956 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4372% | 1,836 |
| Cost of funding earning assets | 0.4862% | 2,379 |
| Net interest margin | 3.9511% | 1,858 |
| Noninterest income to average assets | 1.0914% | 854 |
| Noninterest expense to average assets | 3.1029% | 1,791 |
| Loan and lease loss provision to assets | 0.0643% | 2,788 |
| Net operating income to assets | 1.6038% | 713 |
| Return on assets (ROA) | 1.5991% | 737 |
| Pretax return on assets | 1.5991% | 1,426 |
| Return on Equity (ROE) | 17.5212% | 374 |
| Retained earnings to average equity (ytd only) | 7.5712% | 1,402 |
| Net charge-offs to loans | -0.0360% | 5,061 |
| Credit loss provision to net charge-offs | -265.2482% | 4,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8424% | 3,393 |
| Assets per employee ($millions) | 4.1981% | 3,650 |
| Cash dividends to net income (ytd only)* | 56.7881% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 2,585 |
| Loan loss allowance to noncurrent loans | 134.9916% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 1.0049% | 1,690 |
| Noncurrent loans to loans | 0.9327% | 2,056 |
| Net loans and leases to total assets | 69.5023% | 2,632 |
| Net loans and leases to deposits | 85.1299% | 2,417 |
| Net loans and leases to core deposits | 96.6799% | 2,004 |
| Total domestic deposits to total assets | 81.6426% | 3,887 |
| Equity capital to assets | 8.9708% | 4,939 |
| Core capital (leverage) ratio | 9.3597% | 4,336 |
| Tier 1 risk-based capital ratio | 11.2184% | 5,124 |
| Total risk-based capital ratio | 12.3122% | 5,100 |
| Memoranda: | ||
| Average total assets | $775,653,000 | 962 |
| Average earning assets | $722,354,250 | 954 |
| Average equity | $70,792,500 | 1,131 |
| Average total loans | $522,458,750 | 982 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3481% | 1,981 |
| Cost of funding earning assets | 0.4601% | 2,508 |
| Net interest margin | 3.8879% | 1,978 |
| Noninterest income to average assets | 1.0801% | 854 |
| Noninterest expense to average assets | 3.1603% | 1,680 |
| Loan and lease loss provision to assets | 0.0338% | 3,311 |
| Net operating income to assets | 1.5041% | 855 |
| Return on assets (ROA) | 1.4973% | 893 |
| Pretax return on assets | 1.4973% | 1,650 |
| Return on Equity (ROE) | 16.3059% | 490 |
| Retained earnings to average equity (ytd only) | 6.2568% | 1,987 |
| Net charge-offs to loans | -0.0779% | 5,333 |
| Credit loss provision to net charge-offs | -65.4822% | 4,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0871% | 3,167 |
| Assets per employee ($millions) | 4.1597% | 3,696 |
| Cash dividends to net income (ytd only)* | 61.6287% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 2,558 |
| Loan loss allowance to noncurrent loans | 134.3207% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 1.1047% | 1,577 |
| Noncurrent loans to loans | 0.9475% | 2,060 |
| Net loans and leases to total assets | 68.6339% | 2,715 |
| Net loans and leases to deposits | 80.0243% | 2,908 |
| Net loans and leases to core deposits | 90.5213% | 2,475 |
| Total domestic deposits to total assets | 85.7664% | 2,493 |
| Equity capital to assets | 8.9650% | 4,938 |
| Core capital (leverage) ratio | 9.3769% | 4,259 |
| Tier 1 risk-based capital ratio | 10.9796% | 5,262 |
| Total risk-based capital ratio | 12.0487% | 5,268 |
| Memoranda: | ||
| Average total assets | $762,723,670 | 980 |
| Average earning assets | $709,784,000 | 976 |
| Average equity | $70,036,000 | 1,142 |
| Average total loans | $505,520,670 | 1,011 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2720% | 2,037 |
| Cost of funding earning assets | 0.4446% | 2,574 |
| Net interest margin | 3.8274% | 2,023 |
| Noninterest income to average assets | 1.0396% | 930 |
| Noninterest expense to average assets | 3.2264% | 1,533 |
| Loan and lease loss provision to assets | 0.0230% | 3,282 |
| Net operating income to assets | 1.3406% | 1,136 |
| Return on assets (ROA) | 1.3267% | 1,205 |
| Pretax return on assets | 1.3267% | 2,150 |
| Return on Equity (ROE) | 14.2683% | 756 |
| Retained earnings to average equity (ytd only) | 12.5402% | 419 |
| Net charge-offs to loans | -0.0415% | 5,092 |
| Credit loss provision to net charge-offs | -86.0000% | 3,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1167% | 2,867 |
| Assets per employee ($millions) | 4.1587% | 3,743 |
| Cash dividends to net income (ytd only)* | 12.1114% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 2,065 |
| Loan loss allowance to noncurrent loans | 130.8685% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 1.1218% | 1,581 |
| Noncurrent loans to loans | 1.0714% | 1,913 |
| Net loans and leases to total assets | 60.8012% | 3,697 |
| Net loans and leases to deposits | 67.9624% | 3,990 |
| Net loans and leases to core deposits | 76.4257% | 3,616 |
| Total domestic deposits to total assets | 89.4630% | 916 |
| Equity capital to assets | 8.9903% | 4,810 |
| Core capital (leverage) ratio | 9.5448% | 4,064 |
| Tier 1 risk-based capital ratio | 12.2704% | 4,528 |
| Total risk-based capital ratio | 13.4210% | 4,499 |
| Memoranda: | ||
| Average total assets | $746,836,500 | 999 |
| Average earning assets | $692,789,500 | 996 |
| Average equity | $69,440,500 | 1,144 |
| Average total loans | $482,119,000 | 1,057 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4883% | 1,570 |
| Cost of funding earning assets | 0.3889% | 3,114 |
| Net interest margin | 4.0993% | 1,379 |
| Noninterest income to average assets | 1.2308% | 752 |
| Noninterest expense to average assets | 3.3482% | 1,472 |
| Loan and lease loss provision to assets | 0.0558% | 3,265 |
| Net operating income to assets | 1.6092% | 661 |
| Return on assets (ROA) | 1.6004% | 705 |
| Pretax return on assets | 1.6004% | 1,276 |
| Return on Equity (ROE) | 14.6475% | 681 |
| Retained earnings to average equity (ytd only) | -5.0081% | 5,674 |
| Net charge-offs to loans | -0.0050% | 4,806 |
| Credit loss provision to net charge-offs | -1,626.0870% | 5,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8531% | 3,612 |
| Assets per employee ($millions) | 3.7246% | 4,440 |
| Cash dividends to net income (ytd only)* | 134.1911% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 2,089 |
| Loan loss allowance to noncurrent loans | 85.6942% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.9168% | 740 |
| Noncurrent loans to loans | 1.6311% | 1,197 |
| Net loans and leases to total assets | 66.8163% | 2,956 |
| Net loans and leases to deposits | 75.0326% | 3,409 |
| Net loans and leases to core deposits | 85.5856% | 2,880 |
| Total domestic deposits to total assets | 89.0497% | 1,093 |
| Equity capital to assets | 9.6396% | 4,129 |
| Core capital (leverage) ratio | 10.0867% | 3,384 |
| Tier 1 risk-based capital ratio | 12.2432% | 4,545 |
| Total risk-based capital ratio | 13.4102% | 4,485 |
| Memoranda: | ||
| Average total assets | $670,143,000 | 1,060 |
| Average earning assets | $618,345,600 | 1,056 |
| Average equity | $73,220,800 | 1,083 |
| Average total loans | $463,487,400 | 1,048 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5109% | 1,501 |
| Cost of funding earning assets | 0.3749% | 3,281 |
| Net interest margin | 4.1360% | 1,287 |
| Noninterest income to average assets | 1.2317% | 764 |
| Noninterest expense to average assets | 3.3952% | 1,352 |
| Loan and lease loss provision to assets | 0.0563% | 3,119 |
| Net operating income to assets | 1.5979% | 735 |
| Return on assets (ROA) | 1.5907% | 783 |
| Pretax return on assets | 1.5907% | 1,407 |
| Return on Equity (ROE) | 14.1133% | 799 |
| Retained earnings to average equity (ytd only) | 4.3076% | 3,254 |
| Net charge-offs to loans | -0.0900% | 5,539 |
| Credit loss provision to net charge-offs | -90.0000% | 4,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0446% | 3,584 |
| Assets per employee ($millions) | 3.7983% | 4,304 |
| Cash dividends to net income (ytd only)* | 69.4786% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4058% | 2,172 |
| Loan loss allowance to noncurrent loans | 94.6206% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 1.7669% | 941 |
| Noncurrent loans to loans | 1.4857% | 1,452 |
| Net loans and leases to total assets | 68.8179% | 2,680 |
| Net loans and leases to deposits | 78.9635% | 3,084 |
| Net loans and leases to core deposits | 90.3566% | 2,542 |
| Total domestic deposits to total assets | 87.1515% | 1,823 |
| Equity capital to assets | 10.7376% | 3,324 |
| Core capital (leverage) ratio | 11.2924% | 2,196 |
| Tier 1 risk-based capital ratio | 13.7920% | 3,674 |
| Total risk-based capital ratio | 15.0358% | 3,608 |
| Memoranda: | ||
| Average total assets | $660,758,250 | 1,073 |
| Average earning assets | $609,908,250 | 1,076 |
| Average equity | $74,471,500 | 1,073 |
| Average total loans | $459,471,750 | 1,057 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4997% | 1,512 |
| Cost of funding earning assets | 0.3587% | 3,469 |
| Net interest margin | 4.1411% | 1,253 |
| Noninterest income to average assets | 1.2177% | 758 |
| Noninterest expense to average assets | 3.4373% | 1,299 |
| Loan and lease loss provision to assets | 0.0470% | 3,210 |
| Net operating income to assets | 1.5535% | 800 |
| Return on assets (ROA) | 1.5421% | 869 |
| Pretax return on assets | 1.5421% | 1,551 |
| Return on Equity (ROE) | 13.4521% | 935 |
| Retained earnings to average equity (ytd only) | 3.4878% | 3,675 |
| Net charge-offs to loans | -0.0392% | 5,256 |
| Credit loss provision to net charge-offs | -172.7273% | 4,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4866% | 3,605 |
| Assets per employee ($millions) | 3.5343% | 4,698 |
| Cash dividends to net income (ytd only)* | 74.0726% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 2,257 |
| Loan loss allowance to noncurrent loans | 109.2290% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.7077% | 1,045 |
| Noncurrent loans to loans | 1.2888% | 1,758 |
| Net loans and leases to total assets | 68.9896% | 2,633 |
| Net loans and leases to deposits | 79.2819% | 3,025 |
| Net loans and leases to core deposits | 88.7068% | 2,664 |
| Total domestic deposits to total assets | 87.0180% | 1,906 |
| Equity capital to assets | 11.1812% | 2,864 |
| Core capital (leverage) ratio | 11.1605% | 2,273 |
| Tier 1 risk-based capital ratio | 13.5874% | 3,844 |
| Total risk-based capital ratio | 14.7986% | 3,783 |
| Memoranda: | ||
| Average total assets | $646,780,670 | 1,101 |
| Average earning assets | $596,658,330 | 1,102 |
| Average equity | $74,144,670 | 1,079 |
| Average total loans | $449,138,330 | 1,085 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5223% | 1,445 |
| Cost of funding earning assets | 0.3523% | 3,579 |
| Net interest margin | 4.1700% | 1,172 |
| Noninterest income to average assets | 1.1556% | 825 |
| Noninterest expense to average assets | 3.5113% | 1,164 |
| Loan and lease loss provision to assets | 0.0477% | 2,965 |
| Net operating income to assets | 1.4490% | 944 |
| Return on assets (ROA) | 1.4484% | 990 |
| Pretax return on assets | 1.4484% | 1,754 |
| Return on Equity (ROE) | 12.4746% | 1,162 |
| Retained earnings to average equity (ytd only) | 12.4746% | 440 |
| Net charge-offs to loans | -0.0417% | 5,238 |
| Credit loss provision to net charge-offs | -165.2174% | 4,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3360% | 3,409 |
| Assets per employee ($millions) | 3.5465% | 4,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 2,269 |
| Loan loss allowance to noncurrent loans | 87.0767% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 1.9626% | 895 |
| Noncurrent loans to loans | 1.6483% | 1,378 |
| Net loans and leases to total assets | 66.9178% | 2,825 |
| Net loans and leases to deposits | 76.4418% | 3,169 |
| Net loans and leases to core deposits | 85.5789% | 2,787 |
| Total domestic deposits to total assets | 87.5408% | 1,904 |
| Equity capital to assets | 11.4078% | 2,526 |
| Core capital (leverage) ratio | 11.7206% | 1,812 |
| Tier 1 risk-based capital ratio | 14.7558% | 3,262 |
| Total risk-based capital ratio | 16.0085% | 3,198 |
| Memoranda: | ||
| Average total assets | $637,949,000 | 1,110 |
| Average earning assets | $589,348,500 | 1,112 |
| Average equity | $74,070,500 | 1,074 |
| Average total loans | $441,236,500 | 1,100 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 1,783 |
| Cost of funding earning assets | 0.3371% | 3,824 |
| Net interest margin | 4.0993% | 1,413 |
| Noninterest income to average assets | 1.2908% | 726 |
| Noninterest expense to average assets | 3.3614% | 1,573 |
| Loan and lease loss provision to assets | 0.2009% | 1,065 |
| Net operating income to assets | 1.5096% | 850 |
| Return on assets (ROA) | 1.3412% | 1,211 |
| Pretax return on assets | 1.3412% | 2,127 |
| Return on Equity (ROE) | 11.7753% | 1,365 |
| Retained earnings to average equity (ytd only) | 2.3481% | 4,385 |
| Net charge-offs to loans | 0.0611% | 3,007 |
| Credit loss provision to net charge-offs | 494.8819% | 644 |
| Earnings coverage of net charge-offs (x) | 42.1299% | 1,129 |
| Efficiency ratio | 64.4867% | 4,170 |
| Assets per employee ($millions) | 3.3244% | 5,109 |
| Cash dividends to net income (ytd only)* | 80.0596% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7404% | 1,265 |
| Loan loss allowance to noncurrent loans | 97.7261% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 2.2012% | 768 |
| Noncurrent loans to loans | 1.7808% | 1,241 |
| Net loans and leases to total assets | 69.4385% | 2,462 |
| Net loans and leases to deposits | 82.8540% | 2,491 |
| Net loans and leases to core deposits | 93.2158% | 2,115 |
| Total domestic deposits to total assets | 83.8083% | 3,559 |
| Equity capital to assets | 11.6513% | 2,232 |
| Core capital (leverage) ratio | 11.6041% | 1,890 |
| Tier 1 risk-based capital ratio | 14.3998% | 3,494 |
| Total risk-based capital ratio | 15.6546% | 3,408 |
| Memoranda: | ||
| Average total assets | $625,580,400 | 1,093 |
| Average earning assets | $577,028,200 | 1,078 |
| Average equity | $71,250,600 | 1,069 |
| Average total loans | $415,990,600 | 1,100 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3907% | 1,949 |
| Cost of funding earning assets | 0.3380% | 3,886 |
| Net interest margin | 4.0526% | 1,551 |
| Noninterest income to average assets | 1.2539% | 769 |
| Noninterest expense to average assets | 3.3266% | 1,633 |
| Loan and lease loss provision to assets | 0.2095% | 939 |
| Net operating income to assets | 1.4530% | 1,004 |
| Return on assets (ROA) | 1.4791% | 988 |
| Pretax return on assets | 1.4791% | 1,737 |
| Return on Equity (ROE) | 13.0596% | 1,110 |
| Retained earnings to average equity (ytd only) | 2.0707% | 4,843 |
| Net charge-offs to loans | -0.0075% | 4,910 |
| Credit loss provision to net charge-offs | -4,291.3043% | 5,682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8658% | 4,089 |
| Assets per employee ($millions) | 3.4935% | 4,797 |
| Cash dividends to net income (ytd only)* | 84.1440% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7627% | 1,336 |
| Loan loss allowance to noncurrent loans | 86.0341% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 2.6163% | 635 |
| Noncurrent loans to loans | 2.0489% | 1,119 |
| Net loans and leases to total assets | 66.3607% | 2,956 |
| Net loans and leases to deposits | 81.1477% | 2,748 |
| Net loans and leases to core deposits | 92.0936% | 2,253 |
| Total domestic deposits to total assets | 81.7777% | 4,233 |
| Equity capital to assets | 11.1707% | 2,824 |
| Core capital (leverage) ratio | 11.1668% | 2,333 |
| Tier 1 risk-based capital ratio | 13.9990% | 3,847 |
| Total risk-based capital ratio | 15.2556% | 3,788 |
| Memoranda: | ||
| Average total assets | $628,220,750 | 1,092 |
| Average earning assets | $579,001,500 | 1,084 |
| Average equity | $71,148,750 | 1,078 |
| Average total loans | $411,332,250 | 1,111 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3112% | 2,134 |
| Cost of funding earning assets | 0.3364% | 3,967 |
| Net interest margin | 3.9748% | 1,720 |
| Noninterest income to average assets | 1.2329% | 802 |
| Noninterest expense to average assets | 3.2745% | 1,775 |
| Loan and lease loss provision to assets | 0.2180% | 871 |
| Net operating income to assets | 1.4039% | 1,085 |
| Return on assets (ROA) | 1.4020% | 1,122 |
| Pretax return on assets | 1.4020% | 1,973 |
| Return on Equity (ROE) | 12.3220% | 1,277 |
| Retained earnings to average equity (ytd only) | 1.3429% | 5,010 |
| Net charge-offs to loans | 0.0148% | 3,418 |
| Credit loss provision to net charge-offs | 2,273.3333% | 175 |
| Earnings coverage of net charge-offs (x) | 169.1333% | 389 |
| Efficiency ratio | 65.2174% | 4,145 |
| Assets per employee ($millions) | 3.4562% | 4,879 |
| Cash dividends to net income (ytd only)* | 89.1017% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6855% | 1,636 |
| Loan loss allowance to noncurrent loans | 79.4208% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 2.8004% | 625 |
| Noncurrent loans to loans | 2.1223% | 1,134 |
| Net loans and leases to total assets | 66.5192% | 2,867 |
| Net loans and leases to deposits | 80.1360% | 2,766 |
| Net loans and leases to core deposits | 90.6484% | 2,279 |
| Total domestic deposits to total assets | 83.0079% | 3,957 |
| Equity capital to assets | 11.1755% | 2,692 |
| Core capital (leverage) ratio | 11.2819% | 2,179 |
| Tier 1 risk-based capital ratio | 14.1895% | 3,821 |
| Total risk-based capital ratio | 14.5749% | 4,258 |
| Memoranda: | ||
| Average total assets | $625,686,330 | 1,101 |
| Average earning assets | $576,689,670 | 1,095 |
| Average equity | $71,189,670 | 1,078 |
| Average total loans | $405,273,670 | 1,133 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2516% | 2,273 |
| Cost of funding earning assets | 0.3370% | 4,012 |
| Net interest margin | 3.9146% | 1,842 |
| Noninterest income to average assets | 1.1602% | 845 |
| Noninterest expense to average assets | 3.2628% | 1,813 |
| Loan and lease loss provision to assets | 0.2488% | 671 |
| Net operating income to assets | 1.2554% | 1,388 |
| Return on assets (ROA) | 1.2547% | 1,479 |
| Pretax return on assets | 1.2547% | 2,449 |
| Return on Equity (ROE) | 10.9290% | 1,653 |
| Retained earnings to average equity (ytd only) | 10.9290% | 731 |
| Net charge-offs to loans | 0.1127% | 1,618 |
| Credit loss provision to net charge-offs | 348.6486% | 730 |
| Earnings coverage of net charge-offs (x) | 21.0811% | 1,390 |
| Efficiency ratio | 66.7341% | 4,022 |
| Assets per employee ($millions) | 3.8099% | 4,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7442% | 1,622 |
| Loan loss allowance to noncurrent loans | 62.5069% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 3.2315% | 548 |
| Noncurrent loans to loans | 2.7904% | 828 |
| Net loans and leases to total assets | 59.8175% | 3,680 |
| Net loans and leases to deposits | 68.5127% | 3,910 |
| Net loans and leases to core deposits | 76.7874% | 3,519 |
| Total domestic deposits to total assets | 87.3087% | 2,208 |
| Equity capital to assets | 11.2306% | 2,720 |
| Core capital (leverage) ratio | 11.1609% | 2,256 |
| Tier 1 risk-based capital ratio | 13.9832% | 4,035 |
| Total risk-based capital ratio | 14.3955% | 4,442 |
| Memoranda: | ||
| Average total assets | $622,288,500 | 1,115 |
| Average earning assets | $573,337,000 | 1,105 |
| Average equity | $71,443,000 | 1,078 |
| Average total loans | $393,943,000 | 1,163 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4720% | 1,982 |
| Cost of funding earning assets | 0.3588% | 4,154 |
| Net interest margin | 4.1132% | 1,538 |
| Noninterest income to average assets | 1.3522% | 667 |
| Noninterest expense to average assets | 3.2477% | 2,082 |
| Loan and lease loss provision to assets | 0.3407% | 566 |
| Net operating income to assets | 1.5618% | 776 |
| Return on assets (ROA) | 1.5501% | 825 |
| Pretax return on assets | 1.5501% | 1,383 |
| Return on Equity (ROE) | 13.6677% | 1,000 |
| Retained earnings to average equity (ytd only) | 3.2421% | 3,923 |
| Net charge-offs to loans | 0.7074% | 523 |
| Credit loss provision to net charge-offs | 73.7757% | 2,987 |
| Earnings coverage of net charge-offs (x) | 4.1199% | 3,735 |
| Efficiency ratio | 61.4477% | 4,999 |
| Assets per employee ($millions) | 3.5129% | 4,880 |
| Cash dividends to net income (ytd only)* | 76.2791% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6572% | 1,910 |
| Loan loss allowance to noncurrent loans | 78.3122% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 2.9078% | 714 |
| Noncurrent loans to loans | 2.1162% | 1,285 |
| Net loans and leases to total assets | 64.8138% | 3,086 |
| Net loans and leases to deposits | 74.9726% | 3,316 |
| Net loans and leases to core deposits | 84.7139% | 2,820 |
| Total domestic deposits to total assets | 86.4501% | 2,598 |
| Equity capital to assets | 11.7487% | 2,209 |
| Core capital (leverage) ratio | 11.8757% | 1,713 |
| Tier 1 risk-based capital ratio | 15.2638% | 3,334 |
| Total risk-based capital ratio | 16.5161% | 3,286 |
| Memoranda: | ||
| Average total assets | $610,273,400 | 1,087 |
| Average earning assets | $563,500,800 | 1,078 |
| Average equity | $69,214,400 | 1,064 |
| Average total loans | $398,354,000 | 1,103 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4634% | 2,008 |
| Cost of funding earning assets | 0.3609% | 4,226 |
| Net interest margin | 4.1025% | 1,566 |
| Noninterest income to average assets | 1.2885% | 735 |
| Noninterest expense to average assets | 3.2452% | 2,041 |
| Loan and lease loss provision to assets | 0.3497% | 505 |
| Net operating income to assets | 1.4885% | 963 |
| Return on assets (ROA) | 1.4731% | 1,018 |
| Pretax return on assets | 1.4731% | 1,733 |
| Return on Equity (ROE) | 13.1038% | 1,200 |
| Retained earnings to average equity (ytd only) | 2.8380% | 4,580 |
| Net charge-offs to loans | 0.5584% | 682 |
| Credit loss provision to net charge-offs | 96.1700% | 2,314 |
| Earnings coverage of net charge-offs (x) | 5.0551% | 3,328 |
| Efficiency ratio | 61.9675% | 4,885 |
| Assets per employee ($millions) | 3.5255% | 4,815 |
| Cash dividends to net income (ytd only)* | 78.3424% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7817% | 1,730 |
| Loan loss allowance to noncurrent loans | 68.1870% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 3.0762% | 755 |
| Noncurrent loans to loans | 2.6130% | 1,097 |
| Net loans and leases to total assets | 66.5546% | 2,763 |
| Net loans and leases to deposits | 80.7002% | 2,588 |
| Net loans and leases to core deposits | 91.7039% | 2,057 |
| Total domestic deposits to total assets | 82.4714% | 4,308 |
| Equity capital to assets | 11.5944% | 2,398 |
| Core capital (leverage) ratio | 11.3801% | 2,150 |
| Tier 1 risk-based capital ratio | 15.0248% | 3,567 |
| Total risk-based capital ratio | 16.2786% | 3,504 |
| Memoranda: | ||
| Average total assets | $612,665,500 | 1,095 |
| Average earning assets | $566,734,250 | 1,080 |
| Average equity | $68,874,250 | 1,070 |
| Average total loans | $398,967,250 | 1,103 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3570% | 2,353 |
| Cost of funding earning assets | 0.3596% | 4,325 |
| Net interest margin | 3.9973% | 1,811 |
| Noninterest income to average assets | 1.2059% | 805 |
| Noninterest expense to average assets | 3.2105% | 2,156 |
| Loan and lease loss provision to assets | 0.3118% | 617 |
| Net operating income to assets | 1.3797% | 1,111 |
| Return on assets (ROA) | 1.3573% | 1,212 |
| Pretax return on assets | 1.3573% | 2,049 |
| Return on Equity (ROE) | 12.1976% | 1,367 |
| Retained earnings to average equity (ytd only) | 2.3388% | 4,713 |
| Net charge-offs to loans | 0.7973% | 477 |
| Credit loss provision to net charge-offs | 60.8476% | 2,623 |
| Earnings coverage of net charge-offs (x) | 3.3011% | 3,347 |
| Efficiency ratio | 63.8149% | 4,721 |
| Assets per employee ($millions) | 3.6488% | 4,550 |
| Cash dividends to net income (ytd only)* | 80.8262% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6359% | 2,340 |
| Loan loss allowance to noncurrent loans | 83.3146% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 2.5860% | 1,062 |
| Noncurrent loans to loans | 1.9635% | 1,721 |
| Net loans and leases to total assets | 64.7618% | 2,953 |
| Net loans and leases to deposits | 77.9439% | 2,808 |
| Net loans and leases to core deposits | 87.9276% | 2,322 |
| Total domestic deposits to total assets | 83.0878% | 4,272 |
| Equity capital to assets | 11.1312% | 2,755 |
| Core capital (leverage) ratio | 11.1155% | 2,318 |
| Tier 1 risk-based capital ratio | 14.6712% | 3,830 |
| Total risk-based capital ratio | 15.9235% | 3,779 |
| Memoranda: | ||
| Average total assets | $617,107,000 | 1,090 |
| Average earning assets | $570,580,670 | 1,076 |
| Average equity | $68,669,000 | 1,065 |
| Average total loans | $396,581,330 | 1,101 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3146% | 2,469 |
| Cost of funding earning assets | 0.3669% | 4,355 |
| Net interest margin | 3.9477% | 1,935 |
| Noninterest income to average assets | 1.2179% | 747 |
| Noninterest expense to average assets | 3.4021% | 1,698 |
| Loan and lease loss provision to assets | 0.0838% | 2,505 |
| Net operating income to assets | 1.3751% | 1,049 |
| Return on assets (ROA) | 1.3322% | 1,183 |
| Pretax return on assets | 1.3322% | 1,987 |
| Return on Equity (ROE) | 11.9743% | 1,413 |
| Retained earnings to average equity (ytd only) | 11.9743% | 608 |
| Net charge-offs to loans | 0.4577% | 793 |
| Credit loss provision to net charge-offs | 28.8591% | 2,406 |
| Earnings coverage of net charge-offs (x) | 5.0224% | 2,438 |
| Efficiency ratio | 68.0481% | 4,174 |
| Assets per employee ($millions) | 3.8364% | 4,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7883% | 2,074 |
| Loan loss allowance to noncurrent loans | 94.6840% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 2.4340% | 1,324 |
| Noncurrent loans to loans | 1.8887% | 2,012 |
| Net loans and leases to total assets | 59.4938% | 3,637 |
| Net loans and leases to deposits | 67.9302% | 3,863 |
| Net loans and leases to core deposits | 75.4025% | 3,477 |
| Total domestic deposits to total assets | 87.5809% | 2,473 |
| Equity capital to assets | 10.7954% | 2,943 |
| Core capital (leverage) ratio | 10.9836% | 2,407 |
| Tier 1 risk-based capital ratio | 15.5634% | 3,403 |
| Total risk-based capital ratio | 16.7887% | 3,383 |
| Memoranda: | ||
| Average total assets | $615,509,500 | 1,108 |
| Average earning assets | $568,024,500 | 1,088 |
| Average equity | $68,480,000 | 1,070 |
| Average total loans | $390,672,000 | 1,136 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6931% | 1,591 |
| Cost of funding earning assets | 0.4503% | 4,112 |
| Net interest margin | 4.2428% | 1,240 |
| Noninterest income to average assets | 1.3160% | 799 |
| Noninterest expense to average assets | 3.2427% | 2,301 |
| Loan and lease loss provision to assets | 0.1359% | 2,609 |
| Net operating income to assets | 1.8462% | 444 |
| Return on assets (ROA) | 1.8467% | 454 |
| Pretax return on assets | 1.8467% | 684 |
| Return on Equity (ROE) | 16.5924% | 552 |
| Retained earnings to average equity (ytd only) | 6.8343% | 1,514 |
| Net charge-offs to loans | 0.2364% | 2,561 |
| Credit loss provision to net charge-offs | 86.7391% | 2,845 |
| Earnings coverage of net charge-offs (x) | 12.6522% | 2,105 |
| Efficiency ratio | 60.1669% | 5,445 |
| Assets per employee ($millions) | 3.4705% | 4,958 |
| Cash dividends to net income (ytd only)* | 58.8105% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8674% | 1,862 |
| Loan loss allowance to noncurrent loans | 115.0150% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 2.4937% | 1,380 |
| Noncurrent loans to loans | 1.6236% | 2,465 |
| Net loans and leases to total assets | 65.4070% | 2,789 |
| Net loans and leases to deposits | 75.4798% | 3,030 |
| Net loans and leases to core deposits | 84.8268% | 2,579 |
| Total domestic deposits to total assets | 86.6550% | 2,902 |
| Equity capital to assets | 11.4888% | 2,174 |
| Core capital (leverage) ratio | 11.6346% | 1,866 |
| Tier 1 risk-based capital ratio | 15.8646% | 3,166 |
| Total risk-based capital ratio | 17.1204% | 3,123 |
| Memoranda: | ||
| Average total assets | $587,254,000 | 1,131 |
| Average earning assets | $541,031,800 | 1,121 |
| Average equity | $65,361,400 | 1,096 |
| Average total loans | $389,133,400 | 1,095 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6828% | 1,642 |
| Cost of funding earning assets | 0.4641% | 4,127 |
| Net interest margin | 4.2187% | 1,279 |
| Noninterest income to average assets | 1.2331% | 965 |
| Noninterest expense to average assets | 3.2347% | 2,247 |
| Loan and lease loss provision to assets | 0.1589% | 2,276 |
| Net operating income to assets | 1.7327% | 602 |
| Return on assets (ROA) | 1.7327% | 623 |
| Pretax return on assets | 1.7327% | 1,032 |
| Return on Equity (ROE) | 15.6939% | 682 |
| Retained earnings to average equity (ytd only) | 7.1356% | 1,813 |
| Net charge-offs to loans | 0.0816% | 3,786 |
| Credit loss provision to net charge-offs | 294.1176% | 868 |
| Earnings coverage of net charge-offs (x) | 35.0163% | 1,101 |
| Efficiency ratio | 61.1662% | 5,248 |
| Assets per employee ($millions) | 3.4253% | 5,007 |
| Cash dividends to net income (ytd only)* | 54.5324% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9955% | 1,729 |
| Loan loss allowance to noncurrent loans | 124.4122% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 2.5181% | 1,524 |
| Noncurrent loans to loans | 1.6039% | 2,770 |
| Net loans and leases to total assets | 66.4969% | 2,561 |
| Net loans and leases to deposits | 78.1843% | 2,636 |
| Net loans and leases to core deposits | 88.7977% | 2,101 |
| Total domestic deposits to total assets | 85.0516% | 3,728 |
| Equity capital to assets | 11.4037% | 2,378 |
| Core capital (leverage) ratio | 11.2778% | 2,219 |
| Tier 1 risk-based capital ratio | 14.7633% | 3,904 |
| Total risk-based capital ratio | 16.0197% | 3,860 |
| Memoranda: | ||
| Average total assets | $587,439,500 | 1,147 |
| Average earning assets | $542,111,250 | 1,127 |
| Average equity | $64,856,000 | 1,116 |
| Average total loans | $388,686,750 | 1,104 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5987% | 1,862 |
| Cost of funding earning assets | 0.4816% | 4,071 |
| Net interest margin | 4.1171% | 1,498 |
| Noninterest income to average assets | 1.2014% | 1,059 |
| Noninterest expense to average assets | 3.2274% | 2,284 |
| Loan and lease loss provision to assets | 0.1684% | 2,229 |
| Net operating income to assets | 1.6043% | 743 |
| Return on assets (ROA) | 1.6043% | 815 |
| Pretax return on assets | 1.6043% | 1,366 |
| Return on Equity (ROE) | 14.6907% | 869 |
| Retained earnings to average equity (ytd only) | 6.0647% | 2,395 |
| Net charge-offs to loans | 0.0569% | 3,890 |
| Credit loss provision to net charge-offs | 450.9091% | 605 |
| Earnings coverage of net charge-offs (x) | 47.4727% | 827 |
| Efficiency ratio | 62.5704% | 5,083 |
| Assets per employee ($millions) | 3.4255% | 5,008 |
| Cash dividends to net income (ytd only)* | 58.7177% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9661% | 1,926 |
| Loan loss allowance to noncurrent loans | 101.0744% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 2.7445% | 1,508 |
| Noncurrent loans to loans | 1.9452% | 2,460 |
| Net loans and leases to total assets | 66.0784% | 2,577 |
| Net loans and leases to deposits | 78.1214% | 2,556 |
| Net loans and leases to core deposits | 87.4329% | 2,179 |
| Total domestic deposits to total assets | 84.5843% | 4,094 |
| Equity capital to assets | 10.9885% | 2,764 |
| Core capital (leverage) ratio | 10.9621% | 2,395 |
| Tier 1 risk-based capital ratio | 14.2113% | 4,280 |
| Total risk-based capital ratio | 15.4671% | 4,236 |
| Memoranda: | ||
| Average total assets | $589,152,000 | 1,141 |
| Average earning assets | $543,585,670 | 1,125 |
| Average equity | $64,340,000 | 1,129 |
| Average total loans | $386,550,000 | 1,106 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5584% | 1,957 |
| Cost of funding earning assets | 0.4958% | 4,131 |
| Net interest margin | 4.0627% | 1,580 |
| Noninterest income to average assets | 1.1420% | 1,146 |
| Noninterest expense to average assets | 3.2909% | 2,105 |
| Loan and lease loss provision to assets | 0.1602% | 2,274 |
| Net operating income to assets | 1.4299% | 985 |
| Return on assets (ROA) | 1.4299% | 1,065 |
| Pretax return on assets | 1.4299% | 1,771 |
| Return on Equity (ROE) | 13.1340% | 1,138 |
| Retained earnings to average equity (ytd only) | 13.1340% | 541 |
| Net charge-offs to loans | 0.1469% | 2,523 |
| Credit loss provision to net charge-offs | 168.5714% | 1,245 |
| Earnings coverage of net charge-offs (x) | 16.7286% | 1,354 |
| Efficiency ratio | 65.3916% | 4,768 |
| Assets per employee ($millions) | 3.5679% | 4,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0225% | 1,982 |
| Loan loss allowance to noncurrent loans | 94.7926% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 2.6879% | 1,688 |
| Noncurrent loans to loans | 2.1337% | 2,457 |
| Net loans and leases to total assets | 59.6933% | 3,486 |
| Net loans and leases to deposits | 68.1834% | 3,756 |
| Net loans and leases to core deposits | 75.4178% | 3,397 |
| Total domestic deposits to total assets | 87.5482% | 2,604 |
| Equity capital to assets | 10.7219% | 3,295 |
| Core capital (leverage) ratio | 10.7524% | 2,494 |
| Tier 1 risk-based capital ratio | 15.0821% | 3,784 |
| Total risk-based capital ratio | 16.3385% | 3,736 |
| Memoranda: | ||
| Average total assets | $589,138,000 | 1,151 |
| Average earning assets | $542,204,000 | 1,143 |
| Average equity | $64,139,000 | 1,153 |
| Average total loans | $381,260,500 | 1,119 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0855% | 1,341 |
| Cost of funding earning assets | 0.6024% | 4,329 |
| Net interest margin | 4.4831% | 975 |
| Noninterest income to average assets | 1.2709% | 959 |
| Noninterest expense to average assets | 3.4596% | 1,925 |
| Loan and lease loss provision to assets | 0.1866% | 3,306 |
| Net operating income to assets | 1.7082% | 606 |
| Return on assets (ROA) | 1.7068% | 686 |
| Pretax return on assets | 1.7068% | 1,123 |
| Return on Equity (ROE) | 16.0324% | 656 |
| Retained earnings to average equity (ytd only) | 6.6319% | 1,749 |
| Net charge-offs to loans | -0.0219% | 6,568 |
| Credit loss provision to net charge-offs | -1,276.8293% | 6,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5420% | 5,162 |
| Assets per employee ($millions) | 3.2100% | 5,597 |
| Cash dividends to net income (ytd only)* | 58.6344% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8991% | 2,300 |
| Loan loss allowance to noncurrent loans | 104.2709% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 2.7309% | 1,770 |
| Noncurrent loans to loans | 1.8213% | 2,887 |
| Net loans and leases to total assets | 67.4777% | 2,285 |
| Net loans and leases to deposits | 78.3411% | 2,481 |
| Net loans and leases to core deposits | 86.7663% | 2,218 |
| Total domestic deposits to total assets | 86.1332% | 3,283 |
| Equity capital to assets | 11.0641% | 2,877 |
| Core capital (leverage) ratio | 11.1599% | 2,115 |
| Tier 1 risk-based capital ratio | 13.9910% | 4,392 |
| Total risk-based capital ratio | 15.2462% | 4,346 |
| Memoranda: | ||
| Average total assets | $561,161,000 | 1,183 |
| Average earning assets | $511,136,800 | 1,186 |
| Average equity | $59,741,400 | 1,191 |
| Average total loans | $374,297,200 | 1,119 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1200% | 1,381 |
| Cost of funding earning assets | 0.6217% | 4,440 |
| Net interest margin | 4.4983% | 993 |
| Noninterest income to average assets | 1.2139% | 1,015 |
| Noninterest expense to average assets | 3.4972% | 1,767 |
| Loan and lease loss provision to assets | 0.2317% | 2,723 |
| Net operating income to assets | 1.5843% | 876 |
| Return on assets (ROA) | 1.5843% | 980 |
| Pretax return on assets | 1.5843% | 1,629 |
| Return on Equity (ROE) | 15.0310% | 896 |
| Retained earnings to average equity (ytd only) | 7.0395% | 2,104 |
| Net charge-offs to loans | -0.1207% | 6,900 |
| Credit loss provision to net charge-offs | -290.1493% | 6,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7404% | 4,847 |
| Assets per employee ($millions) | 3.3738% | 5,273 |
| Cash dividends to net income (ytd only)* | 53.1668% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0099% | 2,143 |
| Loan loss allowance to noncurrent loans | 104.1239% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 2.9191% | 1,799 |
| Noncurrent loans to loans | 1.9303% | 2,927 |
| Net loans and leases to total assets | 65.7635% | 2,697 |
| Net loans and leases to deposits | 76.4489% | 2,917 |
| Net loans and leases to core deposits | 84.5266% | 2,639 |
| Total domestic deposits to total assets | 86.0228% | 3,243 |
| Equity capital to assets | 11.0591% | 3,199 |
| Core capital (leverage) ratio | 10.7127% | 2,686 |
| Tier 1 risk-based capital ratio | 14.0316% | 4,495 |
| Total risk-based capital ratio | 15.2877% | 4,453 |
| Memoranda: | ||
| Average total assets | $559,408,500 | 1,206 |
| Average earning assets | $509,782,000 | 1,208 |
| Average equity | $58,961,000 | 1,207 |
| Average total loans | $370,168,750 | 1,142 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0742% | 1,585 |
| Cost of funding earning assets | 0.6422% | 4,510 |
| Net interest margin | 4.4320% | 1,123 |
| Noninterest income to average assets | 1.1920% | 1,002 |
| Noninterest expense to average assets | 3.4734% | 1,849 |
| Loan and lease loss provision to assets | 0.2749% | 2,389 |
| Net operating income to assets | 1.4797% | 1,028 |
| Return on assets (ROA) | 1.4797% | 1,152 |
| Pretax return on assets | 1.4797% | 1,923 |
| Return on Equity (ROE) | 14.2761% | 1,054 |
| Retained earnings to average equity (ytd only) | 5.4975% | 2,988 |
| Net charge-offs to loans | -0.0038% | 6,134 |
| Credit loss provision to net charge-offs | -10,957.1429% | 6,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3131% | 4,836 |
| Assets per employee ($millions) | 3.2896% | 5,464 |
| Cash dividends to net income (ytd only)* | 61.4919% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8250% | 2,770 |
| Loan loss allowance to noncurrent loans | 114.0781% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 2.5385% | 2,203 |
| Noncurrent loans to loans | 1.5998% | 3,510 |
| Net loans and leases to total assets | 67.1793% | 2,432 |
| Net loans and leases to deposits | 80.4639% | 2,317 |
| Net loans and leases to core deposits | 88.9854% | 2,103 |
| Total domestic deposits to total assets | 83.4901% | 4,535 |
| Equity capital to assets | 10.4133% | 3,792 |
| Core capital (leverage) ratio | 10.6374% | 2,678 |
| Tier 1 risk-based capital ratio | 13.3294% | 4,944 |
| Total risk-based capital ratio | 14.5835% | 4,906 |
| Memoranda: | ||
| Average total assets | $558,071,670 | 1,210 |
| Average earning assets | $508,218,670 | 1,208 |
| Average equity | $57,845,000 | 1,226 |
| Average total loans | $367,517,000 | 1,147 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0192% | 1,826 |
| Cost of funding earning assets | 0.6773% | 4,488 |
| Net interest margin | 4.3418% | 1,352 |
| Noninterest income to average assets | 1.1700% | 1,043 |
| Noninterest expense to average assets | 3.5561% | 1,654 |
| Loan and lease loss provision to assets | 0.2497% | 2,464 |
| Net operating income to assets | 1.3013% | 1,458 |
| Return on assets (ROA) | 1.3013% | 1,625 |
| Pretax return on assets | 1.3013% | 2,531 |
| Return on Equity (ROE) | 12.5846% | 1,515 |
| Retained earnings to average equity (ytd only) | 8.7108% | 1,693 |
| Net charge-offs to loans | -0.0738% | 6,686 |
| Credit loss provision to net charge-offs | -524.2424% | 5,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4392% | 4,280 |
| Assets per employee ($millions) | 3.3700% | 5,403 |
| Cash dividends to net income (ytd only)* | 30.7820% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8566% | 2,820 |
| Loan loss allowance to noncurrent loans | 121.7984% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 2.4053% | 2,460 |
| Noncurrent loans to loans | 1.5244% | 3,832 |
| Net loans and leases to total assets | 61.8657% | 3,284 |
| Net loans and leases to deposits | 70.3445% | 3,679 |
| Net loans and leases to core deposits | 77.1637% | 3,445 |
| Total domestic deposits to total assets | 87.9468% | 2,356 |
| Equity capital to assets | 10.1817% | 3,874 |
| Core capital (leverage) ratio | 10.5765% | 2,664 |
| Tier 1 risk-based capital ratio | 13.7701% | 4,631 |
| Total risk-based capital ratio | 15.0240% | 4,613 |
| Memoranda: | ||
| Average total assets | $554,205,000 | 1,225 |
| Average earning assets | $502,552,000 | 1,224 |
| Average equity | $57,308,000 | 1,236 |
| Average total loans | $357,690,500 | 1,173 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3603% | 1,529 |
| Cost of funding earning assets | 0.8338% | 4,601 |
| Net interest margin | 4.5266% | 1,078 |
| Noninterest income to average assets | 1.3803% | 672 |
| Noninterest expense to average assets | 3.6024% | 1,736 |
| Loan and lease loss provision to assets | 0.4816% | 2,193 |
| Net operating income to assets | 1.3714% | 1,080 |
| Return on assets (ROA) | 1.2335% | 1,524 |
| Pretax return on assets | 1.2335% | 2,345 |
| Return on Equity (ROE) | 11.6719% | 1,507 |
| Retained earnings to average equity (ytd only) | 6.6499% | 1,669 |
| Net charge-offs to loans | 0.6247% | 2,589 |
| Credit loss provision to net charge-offs | 116.3018% | 2,787 |
| Earnings coverage of net charge-offs (x) | 4.4751% | 3,098 |
| Efficiency ratio | 63.8456% | 5,152 |
| Assets per employee ($millions) | 3.0954% | 5,907 |
| Cash dividends to net income (ytd only)* | 43.0269% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7764% | 2,943 |
| Loan loss allowance to noncurrent loans | 140.3747% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 2.4347% | 2,501 |
| Noncurrent loans to loans | 1.2655% | 4,258 |
| Net loans and leases to total assets | 64.9762% | 2,993 |
| Net loans and leases to deposits | 76.8678% | 3,028 |
| Net loans and leases to core deposits | 83.5582% | 2,951 |
| Total domestic deposits to total assets | 84.5298% | 4,074 |
| Equity capital to assets | 10.5106% | 3,527 |
| Core capital (leverage) ratio | 11.1961% | 2,123 |
| Tier 1 risk-based capital ratio | 13.7433% | 4,525 |
| Total risk-based capital ratio | 14.9963% | 4,482 |
| Memoranda: | ||
| Average total assets | $518,521,600 | 1,291 |
| Average earning assets | $466,801,400 | 1,315 |
| Average equity | $54,798,200 | 1,238 |
| Average total loans | $343,707,800 | 1,234 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3990% | 1,506 |
| Cost of funding earning assets | 0.8587% | 4,713 |
| Net interest margin | 4.5403% | 1,062 |
| Noninterest income to average assets | 1.2867% | 785 |
| Noninterest expense to average assets | 3.5648% | 1,786 |
| Loan and lease loss provision to assets | 0.5429% | 1,814 |
| Net operating income to assets | 1.2709% | 1,451 |
| Return on assets (ROA) | 1.0676% | 2,223 |
| Pretax return on assets | 1.0676% | 3,140 |
| Return on Equity (ROE) | 10.0880% | 2,169 |
| Retained earnings to average equity (ytd only) | 5.8818% | 2,630 |
| Net charge-offs to loans | 0.8416% | 1,891 |
| Credit loss provision to net charge-offs | 97.2596% | 3,521 |
| Earnings coverage of net charge-offs (x) | 3.2494% | 3,522 |
| Efficiency ratio | 64.0413% | 5,061 |
| Assets per employee ($millions) | 3.1237% | 5,851 |
| Cash dividends to net income (ytd only)* | 41.6951% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6836% | 3,324 |
| Loan loss allowance to noncurrent loans | 162.6313% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 2.4662% | 2,611 |
| Noncurrent loans to loans | 1.0352% | 4,825 |
| Net loans and leases to total assets | 65.0875% | 3,088 |
| Net loans and leases to deposits | 76.7073% | 3,212 |
| Net loans and leases to core deposits | 82.9708% | 3,194 |
| Total domestic deposits to total assets | 84.8517% | 3,848 |
| Equity capital to assets | 10.5152% | 3,689 |
| Core capital (leverage) ratio | 10.8919% | 2,483 |
| Tier 1 risk-based capital ratio | 13.8915% | 4,422 |
| Total risk-based capital ratio | 15.1439% | 4,382 |
| Memoranda: | ||
| Average total assets | $514,275,000 | 1,308 |
| Average earning assets | $463,477,750 | 1,327 |
| Average equity | $54,426,500 | 1,250 |
| Average total loans | $341,073,250 | 1,256 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3253% | 1,799 |
| Cost of funding earning assets | 0.8782% | 4,838 |
| Net interest margin | 4.4471% | 1,250 |
| Noninterest income to average assets | 1.2328% | 833 |
| Noninterest expense to average assets | 3.5842% | 1,776 |
| Loan and lease loss provision to assets | 0.6662% | 1,446 |
| Net operating income to assets | 0.9919% | 2,261 |
| Return on assets (ROA) | 0.7777% | 3,293 |
| Pretax return on assets | 0.7777% | 4,109 |
| Return on Equity (ROE) | 7.3319% | 3,276 |
| Retained earnings to average equity (ytd only) | 3.3182% | 4,143 |
| Net charge-offs to loans | 1.1281% | 1,388 |
| Credit loss provision to net charge-offs | 88.9937% | 3,486 |
| Earnings coverage of net charge-offs (x) | 2.2149% | 3,728 |
| Efficiency ratio | 66.0504% | 4,865 |
| Assets per employee ($millions) | 2.9997% | 6,090 |
| Cash dividends to net income (ytd only)* | 54.7427% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6625% | 3,443 |
| Loan loss allowance to noncurrent loans | 123.8764% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 2.9255% | 2,294 |
| Noncurrent loans to loans | 1.3421% | 4,412 |
| Net loans and leases to total assets | 65.3433% | 3,176 |
| Net loans and leases to deposits | 78.1055% | 3,103 |
| Net loans and leases to core deposits | 84.4263% | 3,147 |
| Total domestic deposits to total assets | 83.6603% | 4,483 |
| Equity capital to assets | 10.7561% | 3,218 |
| Core capital (leverage) ratio | 10.8204% | 2,401 |
| Tier 1 risk-based capital ratio | 13.7071% | 4,380 |
| Total risk-based capital ratio | 14.9595% | 4,350 |
| Memoranda: | ||
| Average total assets | $509,732,670 | 1,323 |
| Average earning assets | $459,580,330 | 1,338 |
| Average equity | $54,065,330 | 1,242 |
| Average total loans | $338,270,330 | 1,279 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3633% | 1,691 |
| Cost of funding earning assets | 0.9182% | 4,790 |
| Net interest margin | 4.4451% | 1,185 |
| Noninterest income to average assets | 1.2662% | 794 |
| Noninterest expense to average assets | 3.5872% | 1,795 |
| Loan and lease loss provision to assets | 0.6747% | 1,262 |
| Net operating income to assets | 1.0065% | 2,166 |
| Return on assets (ROA) | 0.6462% | 3,845 |
| Pretax return on assets | 0.6462% | 4,504 |
| Return on Equity (ROE) | 6.1367% | 3,821 |
| Retained earnings to average equity (ytd only) | 6.1367% | 2,554 |
| Net charge-offs to loans | 1.5511% | 872 |
| Credit loss provision to net charge-offs | 65.5889% | 3,444 |
| Earnings coverage of net charge-offs (x) | 1.6343% | 3,494 |
| Efficiency ratio | 65.7598% | 5,071 |
| Assets per employee ($millions) | 3.0540% | 6,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6597% | 3,488 |
| Loan loss allowance to noncurrent loans | 158.6147% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 2.6925% | 2,554 |
| Noncurrent loans to loans | 1.0464% | 4,963 |
| Net loans and leases to total assets | 62.7240% | 3,715 |
| Net loans and leases to deposits | 72.1736% | 4,050 |
| Net loans and leases to core deposits | 77.9315% | 4,030 |
| Total domestic deposits to total assets | 86.9071% | 2,989 |
| Equity capital to assets | 10.5033% | 3,173 |
| Core capital (leverage) ratio | 10.7280% | 2,416 |
| Tier 1 risk-based capital ratio | 13.9188% | 4,128 |
| Total risk-based capital ratio | 15.1706% | 4,099 |
| Memoranda: | ||
| Average total assets | $505,124,000 | 1,337 |
| Average earning assets | $454,797,000 | 1,359 |
| Average equity | $53,188,500 | 1,259 |
| Average total loans | $334,989,500 | 1,305 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8104% | 1,254 |
| Cost of funding earning assets | 1.1662% | 4,760 |
| Net interest margin | 4.6442% | 919 |
| Noninterest income to average assets | 1.4939% | 652 |
| Noninterest expense to average assets | 3.5659% | 2,016 |
| Loan and lease loss provision to assets | 0.9246% | 1,764 |
| Net operating income to assets | 1.1849% | 1,446 |
| Return on assets (ROA) | 0.7527% | 3,113 |
| Pretax return on assets | 0.7527% | 3,790 |
| Return on Equity (ROE) | 7.4038% | 2,933 |
| Retained earnings to average equity (ytd only) | 2.9716% | 3,775 |
| Net charge-offs to loans | 1.3305% | 1,676 |
| Credit loss provision to net charge-offs | 95.6495% | 4,863 |
| Earnings coverage of net charge-offs (x) | 2.1822% | 4,085 |
| Efficiency ratio | 60.4578% | 5,979 |
| Assets per employee ($millions) | 2.8222% | 6,491 |
| Cash dividends to net income (ytd only)* | 59.8636% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7540% | 3,013 |
| Loan loss allowance to noncurrent loans | 81.7919% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 3.8669% | 1,772 |
| Noncurrent loans to loans | 2.1444% | 3,374 |
| Net loans and leases to total assets | 67.7889% | 3,032 |
| Net loans and leases to deposits | 79.2082% | 3,305 |
| Net loans and leases to core deposits | 86.9736% | 3,188 |
| Total domestic deposits to total assets | 85.5832% | 3,561 |
| Equity capital to assets | 10.5578% | 3,095 |
| Core capital (leverage) ratio | 10.9012% | 2,227 |
| Tier 1 risk-based capital ratio | 13.5233% | 4,179 |
| Total risk-based capital ratio | 14.7765% | 4,146 |
| Memoranda: | ||
| Average total assets | $506,465,800 | 1,321 |
| Average earning assets | $456,007,400 | 1,342 |
| Average equity | $51,487,400 | 1,293 |
| Average total loans | $367,991,400 | 1,229 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9025% | 1,127 |
| Cost of funding earning assets | 1.2074% | 4,825 |
| Net interest margin | 4.6950% | 852 |
| Noninterest income to average assets | 1.5326% | 589 |
| Noninterest expense to average assets | 3.5183% | 1,999 |
| Loan and lease loss provision to assets | 0.8964% | 1,695 |
| Net operating income to assets | 1.3432% | 1,246 |
| Return on assets (ROA) | 1.0145% | 2,304 |
| Pretax return on assets | 1.0145% | 3,130 |
| Return on Equity (ROE) | 10.0728% | 2,094 |
| Retained earnings to average equity (ytd only) | 5.9119% | 2,410 |
| Net charge-offs to loans | 0.9664% | 2,066 |
| Credit loss provision to net charge-offs | 126.1397% | 3,238 |
| Earnings coverage of net charge-offs (x) | 3.1515% | 3,565 |
| Efficiency ratio | 58.7395% | 6,156 |
| Assets per employee ($millions) | 2.9057% | 6,361 |
| Cash dividends to net income (ytd only)* | 41.3082% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9064% | 2,466 |
| Loan loss allowance to noncurrent loans | 112.9069% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 3.4077% | 2,085 |
| Noncurrent loans to loans | 1.6885% | 4,108 |
| Net loans and leases to total assets | 69.8883% | 2,756 |
| Net loans and leases to deposits | 81.4683% | 3,191 |
| Net loans and leases to core deposits | 90.0850% | 3,077 |
| Total domestic deposits to total assets | 85.7860% | 3,194 |
| Equity capital to assets | 10.3492% | 3,701 |
| Core capital (leverage) ratio | 10.7354% | 2,482 |
| Tier 1 risk-based capital ratio | 13.0764% | 4,518 |
| Total risk-based capital ratio | 14.3315% | 4,493 |
| Memoranda: | ||
| Average total assets | $510,315,500 | 1,318 |
| Average earning assets | $459,253,000 | 1,346 |
| Average equity | $51,397,750 | 1,302 |
| Average total loans | $375,281,250 | 1,216 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8755% | 1,244 |
| Cost of funding earning assets | 1.2343% | 4,935 |
| Net interest margin | 4.6412% | 910 |
| Noninterest income to average assets | 1.3304% | 716 |
| Noninterest expense to average assets | 3.4484% | 2,148 |
| Loan and lease loss provision to assets | 0.8193% | 1,766 |
| Net operating income to assets | 1.2557% | 1,413 |
| Return on assets (ROA) | 0.9041% | 2,653 |
| Pretax return on assets | 0.9041% | 3,475 |
| Return on Equity (ROE) | 9.0587% | 2,437 |
| Retained earnings to average equity (ytd only) | 5.4415% | 2,655 |
| Net charge-offs to loans | 0.8893% | 2,058 |
| Credit loss provision to net charge-offs | 124.0095% | 3,264 |
| Earnings coverage of net charge-offs (x) | 3.1407% | 3,434 |
| Efficiency ratio | 59.9774% | 6,049 |
| Assets per employee ($millions) | 3.0867% | 5,955 |
| Cash dividends to net income (ytd only)* | 39.9309% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7035% | 3,061 |
| Loan loss allowance to noncurrent loans | 127.5165% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 3.0544% | 2,333 |
| Noncurrent loans to loans | 1.3359% | 4,716 |
| Net loans and leases to total assets | 73.0181% | 2,164 |
| Net loans and leases to deposits | 85.5428% | 2,588 |
| Net loans and leases to core deposits | 94.1079% | 2,701 |
| Total domestic deposits to total assets | 85.3586% | 3,439 |
| Equity capital to assets | 10.0223% | 3,998 |
| Core capital (leverage) ratio | 10.4162% | 2,698 |
| Tier 1 risk-based capital ratio | 12.1023% | 5,225 |
| Total risk-based capital ratio | 13.3512% | 5,191 |
| Memoranda: | ||
| Average total assets | $511,892,330 | 1,324 |
| Average earning assets | $462,465,670 | 1,344 |
| Average equity | $51,089,000 | 1,302 |
| Average total loans | $380,304,330 | 1,214 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8225% | 1,395 |
| Cost of funding earning assets | 1.2700% | 5,004 |
| Net interest margin | 4.5525% | 1,044 |
| Noninterest income to average assets | 1.2907% | 727 |
| Noninterest expense to average assets | 3.4332% | 2,146 |
| Loan and lease loss provision to assets | 0.8825% | 1,444 |
| Net operating income to assets | 1.0831% | 1,884 |
| Return on assets (ROA) | 0.5317% | 4,361 |
| Pretax return on assets | 0.5317% | 4,848 |
| Return on Equity (ROE) | 5.3389% | 4,189 |
| Retained earnings to average equity (ytd only) | 5.3389% | 2,969 |
| Net charge-offs to loans | 0.2551% | 3,414 |
| Credit loss provision to net charge-offs | 465.5602% | 905 |
| Earnings coverage of net charge-offs (x) | 10.3693% | 1,752 |
| Efficiency ratio | 61.0723% | 5,989 |
| Assets per employee ($millions) | 3.2253% | 5,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8852% | 2,493 |
| Loan loss allowance to noncurrent loans | 94.3551% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 3.1853% | 2,251 |
| Noncurrent loans to loans | 1.9980% | 3,791 |
| Net loans and leases to total assets | 70.0922% | 2,912 |
| Net loans and leases to deposits | 81.5601% | 3,363 |
| Net loans and leases to core deposits | 89.1845% | 3,474 |
| Total domestic deposits to total assets | 85.9393% | 3,187 |
| Equity capital to assets | 9.8928% | 4,003 |
| Core capital (leverage) ratio | 10.2635% | 2,852 |
| Tier 1 risk-based capital ratio | 11.9564% | 5,243 |
| Total risk-based capital ratio | 13.2065% | 5,202 |
| Memoranda: | ||
| Average total assets | $508,557,000 | 1,361 |
| Average earning assets | $458,912,500 | 1,382 |
| Average equity | $50,647,500 | 1,319 |
| Average total loans | $377,853,000 | 1,257 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1140% | 1,480 |
| Cost of funding earning assets | 1.9166% | 3,374 |
| Net interest margin | 4.1974% | 2,068 |
| Noninterest income to average assets | 1.3432% | 825 |
| Noninterest expense to average assets | 3.3060% | 2,995 |
| Loan and lease loss provision to assets | 0.9866% | 2,298 |
| Net operating income to assets | 0.8590% | 2,314 |
| Return on assets (ROA) | 0.6362% | 3,244 |
| Pretax return on assets | 0.6362% | 3,790 |
| Return on Equity (ROE) | 7.2635% | 2,684 |
| Retained earnings to average equity (ytd only) | 3.0899% | 3,000 |
| Net charge-offs to loans | 1.0810% | 2,258 |
| Credit loss provision to net charge-offs | 118.0285% | 4,588 |
| Earnings coverage of net charge-offs (x) | 2.2078% | 4,067 |
| Efficiency ratio | 62.0775% | 6,143 |
| Assets per employee ($millions) | 3.0721% | 6,048 |
| Cash dividends to net income (ytd only)* | 57.4594% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6097% | 3,244 |
| Loan loss allowance to noncurrent loans | 52.2936% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 4.2546% | 1,541 |
| Noncurrent loans to loans | 3.0781% | 2,489 |
| Net loans and leases to total assets | 76.0757% | 1,780 |
| Net loans and leases to deposits | 89.5805% | 2,284 |
| Net loans and leases to core deposits | 122.0114% | 1,779 |
| Total domestic deposits to total assets | 84.9244% | 3,589 |
| Equity capital to assets | 10.0290% | 3,717 |
| Core capital (leverage) ratio | 10.4104% | 2,680 |
| Tier 1 risk-based capital ratio | 11.5318% | 5,363 |
| Total risk-based capital ratio | 12.7808% | 5,324 |
| Memoranda: | ||
| Average total assets | $503,634,600 | 1,364 |
| Average earning assets | $456,952,000 | 1,378 |
| Average equity | $44,110,800 | 1,515 |
| Average total loans | $389,440,800 | 1,234 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1051% | 1,636 |
| Cost of funding earning assets | 1.9872% | 3,433 |
| Net interest margin | 4.1179% | 2,324 |
| Noninterest income to average assets | 1.3486% | 836 |
| Noninterest expense to average assets | 3.2481% | 3,134 |
| Loan and lease loss provision to assets | 0.7501% | 2,494 |
| Net operating income to assets | 1.0964% | 1,743 |
| Return on assets (ROA) | 0.9997% | 2,119 |
| Pretax return on assets | 0.9997% | 2,903 |
| Return on Equity (ROE) | 11.8333% | 1,403 |
| Retained earnings to average equity (ytd only) | 6.0898% | 1,905 |
| Net charge-offs to loans | 0.9199% | 2,130 |
| Credit loss provision to net charge-offs | 105.4465% | 4,821 |
| Earnings coverage of net charge-offs (x) | 2.5958% | 3,925 |
| Efficiency ratio | 61.6451% | 6,173 |
| Assets per employee ($millions) | 3.2355% | 5,559 |
| Cash dividends to net income (ytd only)* | 48.5368% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3769% | 4,077 |
| Loan loss allowance to noncurrent loans | 101.5385% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 2.0221% | 3,317 |
| Noncurrent loans to loans | 1.3560% | 4,660 |
| Net loans and leases to total assets | 75.7621% | 2,040 |
| Net loans and leases to deposits | 93.1512% | 2,034 |
| Net loans and leases to core deposits | 124.5872% | 1,851 |
| Total domestic deposits to total assets | 81.3323% | 4,950 |
| Equity capital to assets | 9.6299% | 4,584 |
| Core capital (leverage) ratio | 10.2984% | 2,977 |
| Tier 1 risk-based capital ratio | 10.7889% | 6,172 |
| Total risk-based capital ratio | 11.8610% | 6,308 |
| Memoranda: | ||
| Average total assets | $505,889,500 | 1,381 |
| Average earning assets | $460,195,250 | 1,387 |
| Average equity | $42,737,250 | 1,585 |
| Average total loans | $391,191,500 | 1,243 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0867% | 1,831 |
| Cost of funding earning assets | 2.0828% | 3,349 |
| Net interest margin | 4.0039% | 2,685 |
| Noninterest income to average assets | 1.3329% | 864 |
| Noninterest expense to average assets | 3.3317% | 2,846 |
| Loan and lease loss provision to assets | 0.5706% | 2,728 |
| Net operating income to assets | 1.0692% | 1,874 |
| Return on assets (ROA) | 1.0012% | 2,195 |
| Pretax return on assets | 1.0012% | 3,007 |
| Return on Equity (ROE) | 12.4609% | 1,297 |
| Retained earnings to average equity (ytd only) | 6.1059% | 1,966 |
| Net charge-offs to loans | 0.6542% | 2,401 |
| Credit loss provision to net charge-offs | 112.5493% | 4,115 |
| Earnings coverage of net charge-offs (x) | 3.2344% | 3,519 |
| Efficiency ratio | 64.8261% | 5,753 |
| Assets per employee ($millions) | 3.1172% | 5,816 |
| Cash dividends to net income (ytd only)* | 50.9992% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3916% | 3,770 |
| Loan loss allowance to noncurrent loans | 85.2670% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 2.1135% | 3,043 |
| Noncurrent loans to loans | 1.6321% | 4,049 |
| Net loans and leases to total assets | 78.4423% | 1,648 |
| Net loans and leases to deposits | 94.7987% | 1,975 |
| Net loans and leases to core deposits | 125.6897% | 1,901 |
| Total domestic deposits to total assets | 82.7462% | 4,361 |
| Equity capital to assets | 7.9258% | 6,836 |
| Core capital (leverage) ratio | 8.2947% | 5,809 |
| Tier 1 risk-based capital ratio | 8.8873% | 7,749 |
| Total risk-based capital ratio | 10.0761% | 7,816 |
| Memoranda: | ||
| Average total assets | $499,800,000 | 1,420 |
| Average earning assets | $454,202,000 | 1,417 |
| Average equity | $40,157,670 | 1,689 |
| Average total loans | $387,369,670 | 1,277 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1118% | 1,904 |
| Cost of funding earning assets | 2.1892% | 3,221 |
| Net interest margin | 3.9226% | 2,964 |
| Noninterest income to average assets | 1.3096% | 833 |
| Noninterest expense to average assets | 3.2793% | 2,721 |
| Loan and lease loss provision to assets | 0.4170% | 2,834 |
| Net operating income to assets | 1.1613% | 1,769 |
| Return on assets (ROA) | 1.1613% | 1,888 |
| Pretax return on assets | 1.1613% | 2,761 |
| Return on Equity (ROE) | 14.3553% | 1,097 |
| Retained earnings to average equity (ytd only) | 6.7811% | 2,296 |
| Net charge-offs to loans | 0.0902% | 4,268 |
| Credit loss provision to net charge-offs | 604.6512% | 935 |
| Earnings coverage of net charge-offs (x) | 22.8837% | 1,298 |
| Efficiency ratio | 65.2633% | 5,456 |
| Assets per employee ($millions) | 3.1218% | 5,834 |
| Cash dividends to net income (ytd only)* | 52.7624% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5330% | 2,804 |
| Loan loss allowance to noncurrent loans | 87.2382% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.3841% | 3,875 |
| Noncurrent loans to loans | 1.7572% | 3,633 |
| Net loans and leases to total assets | 74.0609% | 2,739 |
| Net loans and leases to deposits | 86.6906% | 3,522 |
| Net loans and leases to core deposits | 112.2118% | 3,204 |
| Total domestic deposits to total assets | 85.4312% | 3,000 |
| Equity capital to assets | 8.0154% | 6,783 |
| Core capital (leverage) ratio | 8.2848% | 5,931 |
| Tier 1 risk-based capital ratio | 9.0102% | 7,788 |
| Total risk-based capital ratio | 10.2606% | 7,817 |
| Memoranda: | ||
| Average total assets | $498,761,500 | 1,420 |
| Average earning assets | $451,129,500 | 1,429 |
| Average equity | $40,347,500 | 1,691 |
| Average total loans | $381,434,500 | 1,311 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1455% | 820 |
| Cost of funding earning assets | 2.8379% | 2,542 |
| Net interest margin | 4.3076% | 1,948 |
| Noninterest income to average assets | 1.4433% | 684 |
| Noninterest expense to average assets | 3.2989% | 2,962 |
| Loan and lease loss provision to assets | 0.7265% | 2,036 |
| Net operating income to assets | 1.3142% | 1,447 |
| Return on assets (ROA) | 1.3222% | 1,372 |
| Pretax return on assets | 1.3222% | 2,230 |
| Return on Equity (ROE) | 16.0266% | 772 |
| Retained earnings to average equity (ytd only) | 6.5661% | 1,313 |
| Net charge-offs to loans | 0.6814% | 1,807 |
| Credit loss provision to net charge-offs | 139.5236% | 3,805 |
| Earnings coverage of net charge-offs (x) | 3.9193% | 4,180 |
| Efficiency ratio | 59.6394% | 6,414 |
| Assets per employee ($millions) | 3.1729% | 5,555 |
| Cash dividends to net income (ytd only)* | 59.0302% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4110% | 3,135 |
| Loan loss allowance to noncurrent loans | 98.2344% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 1.2206% | 3,792 |
| Noncurrent loans to loans | 1.4364% | 3,648 |
| Net loans and leases to total assets | 76.6772% | 2,454 |
| Net loans and leases to deposits | 96.9364% | 2,298 |
| Net loans and leases to core deposits | 128.4593% | 1,967 |
| Total domestic deposits to total assets | 79.1005% | 5,338 |
| Equity capital to assets | 8.1658% | 6,607 |
| Core capital (leverage) ratio | 8.1963% | 6,173 |
| Tier 1 risk-based capital ratio | 9.0378% | 7,754 |
| Total risk-based capital ratio | 10.2204% | 7,804 |
| Memoranda: | ||
| Average total assets | $475,709,600 | 1,450 |
| Average earning assets | $430,282,000 | 1,451 |
| Average equity | $39,247,200 | 1,716 |
| Average total loans | $363,503,200 | 1,332 |