Home > Harleysville Bank > Performance and Condition Ratios
Harleysville Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3482% | 3,356 |
| Cost of funding earning assets | 0.7181% | 3,902 |
| Net interest margin | 3.6302% | 1,902 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 1.8797% | 3,873 |
| Loan and lease loss provision to assets | -0.0300% | 4,371 |
| Net operating income to assets | 1.4242% | 1,170 |
| Return on assets (ROA) | 1.4314% | 1,125 |
| Pretax return on assets | 1.8806% | 793 |
| Return on Equity (ROE) | 14.3400% | 1,418 |
| Retained earnings to average equity (ytd only) | 1.5418% | 3,698 |
| Net charge-offs to loans | 0.0011% | 2,825 |
| Credit loss provision to net charge-offs | -3,157.1429% | 4,583 |
| Earnings coverage of net charge-offs (x) | 2,239.7143% | 66 |
| Efficiency ratio | 50.4598% | 3,950 |
| Assets per employee ($millions) | 8.5366% | 1,166 |
| Cash dividends to net income (ytd only)* | 89.2516% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7140% | 4,102 |
| Loan loss allowance to noncurrent loans | 199.5293% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.2738% | 1,857 |
| Noncurrent loans to loans | 0.3578% | 1,911 |
| Net loans and leases to total assets | 75.9600% | 1,119 |
| Net loans and leases to deposits | 99.6524% | 554 |
| Net loans and leases to core deposits | 101.5512% | 1,353 |
| Total domestic deposits to total assets | 76.2200% | 3,925 |
| Equity capital to assets | 9.8490% | 2,094 |
| Core capital (leverage) ratio | 9.9214% | 2,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1297% | 1,500 |
| Memoranda: | ||
| Average total assets | $849,529,600 | 1,134 |
| Average earning assets | $806,464,800 | 1,098 |
| Average equity | $84,770,800 | 1,082 |
| Average total loans | $619,980,400 | 1,068 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2693% | 3,344 |
| Cost of funding earning assets | 0.5360% | 4,080 |
| Net interest margin | 3.7334% | 1,719 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 1.9130% | 3,783 |
| Loan and lease loss provision to assets | -0.0400% | 4,449 |
| Net operating income to assets | 1.4798% | 1,165 |
| Return on assets (ROA) | 1.4889% | 1,127 |
| Pretax return on assets | 1.9601% | 793 |
| Return on Equity (ROE) | 14.8700% | 1,474 |
| Retained earnings to average equity (ytd only) | 6.7619% | 2,368 |
| Net charge-offs to loans | 0.0120% | 1,957 |
| Credit loss provision to net charge-offs | -416.3636% | 4,563 |
| Earnings coverage of net charge-offs (x) | 221.3091% | 553 |
| Efficiency ratio | 50.0041% | 3,911 |
| Assets per employee ($millions) | 8.5984% | 1,083 |
| Cash dividends to net income (ytd only)* | 54.5330% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7697% | 4,035 |
| Loan loss allowance to noncurrent loans | 187.2478% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.3118% | 1,771 |
| Noncurrent loans to loans | 0.4110% | 1,799 |
| Net loans and leases to total assets | 75.2600% | 1,200 |
| Net loans and leases to deposits | 97.3182% | 651 |
| Net loans and leases to core deposits | 98.5595% | 1,414 |
| Total domestic deposits to total assets | 77.3400% | 3,895 |
| Equity capital to assets | 10.3327% | 1,625 |
| Core capital (leverage) ratio | 10.4215% | 2,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3951% | 1,038 |
| Memoranda: | ||
| Average total assets | $848,496,250 | 1,136 |
| Average earning assets | $806,006,000 | 1,101 |
| Average equity | $84,944,250 | 1,076 |
| Average total loans | $611,701,750 | 1,077 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2062% | 3,283 |
| Cost of funding earning assets | 0.3896% | 4,184 |
| Net interest margin | 3.8166% | 1,589 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 1.8978% | 3,828 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.4557% | 1,200 |
| Return on assets (ROA) | 1.4682% | 1,159 |
| Pretax return on assets | 1.9284% | 829 |
| Return on Equity (ROE) | 14.8200% | 1,505 |
| Retained earnings to average equity (ytd only) | 6.0330% | 2,610 |
| Net charge-offs to loans | 0.0146% | 1,649 |
| Credit loss provision to net charge-offs | 831.8182% | 467 |
| Earnings coverage of net charge-offs (x) | 193.1591% | 626 |
| Efficiency ratio | 48.7054% | 4,022 |
| Assets per employee ($millions) | 8.3865% | 1,145 |
| Cash dividends to net income (ytd only)* | 59.2984% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8899% | 3,817 |
| Loan loss allowance to noncurrent loans | 251.2506% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.2649% | 1,876 |
| Noncurrent loans to loans | 0.3542% | 1,867 |
| Net loans and leases to total assets | 74.1100% | 1,276 |
| Net loans and leases to deposits | 89.6587% | 1,212 |
| Net loans and leases to core deposits | 90.6490% | 1,752 |
| Total domestic deposits to total assets | 82.6600% | 3,113 |
| Equity capital to assets | 10.2754% | 1,700 |
| Core capital (leverage) ratio | 10.3405% | 2,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9035% | 1,337 |
| Memoranda: | ||
| Average total assets | $850,447,333 | 1,128 |
| Average earning assets | $808,513,000 | 1,092 |
| Average equity | $84,236,333 | 1,078 |
| Average total loans | $602,568,333 | 1,077 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1544% | 3,130 |
| Cost of funding earning assets | 0.3425% | 4,100 |
| Net interest margin | 3.8119% | 1,663 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 1.8268% | 3,984 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.4924% | 1,201 |
| Return on assets (ROA) | 1.5144% | 1,139 |
| Pretax return on assets | 1.9876% | 799 |
| Return on Equity (ROE) | 15.5700% | 1,449 |
| Retained earnings to average equity (ytd only) | 8.8700% | 1,985 |
| Net charge-offs to loans | 0.0101% | 1,558 |
| Credit loss provision to net charge-offs | 1,466.6667% | 285 |
| Earnings coverage of net charge-offs (x) | 295.7333% | 371 |
| Efficiency ratio | 46.9759% | 4,162 |
| Assets per employee ($millions) | 8.9704% | 943 |
| Cash dividends to net income (ytd only)* | 43.0325% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9051% | 3,840 |
| Loan loss allowance to noncurrent loans | 278.9067% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.2300% | 1,967 |
| Noncurrent loans to loans | 0.3245% | 1,985 |
| Net loans and leases to total assets | 70.2200% | 1,600 |
| Net loans and leases to deposits | 82.7837% | 1,588 |
| Net loans and leases to core deposits | 83.7184% | 2,001 |
| Total domestic deposits to total assets | 84.8200% | 2,900 |
| Equity capital to assets | 10.0362% | 1,805 |
| Core capital (leverage) ratio | 9.9369% | 2,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2290% | 1,323 |
| Memoranda: | ||
| Average total assets | $860,540,500 | 1,130 |
| Average earning assets | $818,696,000 | 1,105 |
| Average equity | $83,698,000 | 1,096 |
| Average total loans | $593,420,000 | 1,100 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4506% | 3,209 |
| Cost of funding earning assets | 0.3277% | 2,656 |
| Net interest margin | 3.1229% | 3,105 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 1.6392% | 4,261 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.2055% | 1,748 |
| Return on assets (ROA) | 1.2080% | 1,689 |
| Pretax return on assets | 1.5563% | 1,278 |
| Return on Equity (ROE) | 13.2700% | 1,716 |
| Retained earnings to average equity (ytd only) | 1.7483% | 4,030 |
| Net charge-offs to loans | 0.0796% | 855 |
| Credit loss provision to net charge-offs | 100.8989% | 1,550 |
| Earnings coverage of net charge-offs (x) | 32.7551% | 1,641 |
| Efficiency ratio | 50.5664% | 4,093 |
| Assets per employee ($millions) | 9.0501% | 903 |
| Cash dividends to net income (ytd only)* | 86.8220% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8828% | 3,829 |
| Loan loss allowance to noncurrent loans | 221.6873% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.2674% | 1,821 |
| Noncurrent loans to loans | 0.3982% | 1,726 |
| Net loans and leases to total assets | 66.5400% | 1,973 |
| Net loans and leases to deposits | 79.0160% | 1,843 |
| Net loans and leases to core deposits | 79.9967% | 2,135 |
| Total domestic deposits to total assets | 84.2100% | 3,158 |
| Equity capital to assets | 9.4285% | 2,066 |
| Core capital (leverage) ratio | 9.3123% | 3,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5481% | 1,463 |
| Memoranda: | ||
| Average total assets | $909,596,000 | 1,069 |
| Average earning assets | $865,997,200 | 1,036 |
| Average equity | $82,824,200 | 1,101 |
| Average total loans | $558,764,800 | 1,093 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2359% | 3,343 |
| Cost of funding earning assets | 0.3359% | 1,813 |
| Net interest margin | 2.9000% | 3,501 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 1.6220% | 4,282 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.0850% | 2,159 |
| Return on assets (ROA) | 1.0858% | 2,123 |
| Pretax return on assets | 1.3790% | 1,781 |
| Return on Equity (ROE) | 12.0300% | 2,019 |
| Retained earnings to average equity (ytd only) | 5.7653% | 2,833 |
| Net charge-offs to loans | 0.0963% | 638 |
| Credit loss provision to net charge-offs | 55.2764% | 1,508 |
| Earnings coverage of net charge-offs (x) | 24.3794% | 1,629 |
| Efficiency ratio | 53.4963% | 3,867 |
| Assets per employee ($millions) | 9.6056% | 731 |
| Cash dividends to net income (ytd only)* | 52.0610% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8847% | 3,904 |
| Loan loss allowance to noncurrent loans | 218.9708% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.2513% | 1,962 |
| Noncurrent loans to loans | 0.4040% | 1,811 |
| Net loans and leases to total assets | 61.6400% | 2,337 |
| Net loans and leases to deposits | 74.0224% | 2,046 |
| Net loans and leases to core deposits | 74.9751% | 2,278 |
| Total domestic deposits to total assets | 83.2800% | 3,649 |
| Equity capital to assets | 9.3037% | 2,013 |
| Core capital (leverage) ratio | 9.2154% | 3,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4135% | 1,102 |
| Memoranda: | ||
| Average total assets | $917,529,750 | 1,065 |
| Average earning assets | $873,231,000 | 1,035 |
| Average equity | $82,838,000 | 1,112 |
| Average total loans | $551,116,750 | 1,098 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9953% | 3,572 |
| Cost of funding earning assets | 0.3504% | 1,255 |
| Net interest margin | 2.6448% | 3,825 |
| Noninterest income to average assets | 0.2676% | 3,567 |
| Noninterest expense to average assets | 1.5807% | 4,326 |
| Loan and lease loss provision to assets | 0.0152% | 2,326 |
| Net operating income to assets | 0.9535% | 2,346 |
| Return on assets (ROA) | 0.9537% | 2,317 |
| Pretax return on assets | 1.1893% | 2,112 |
| Return on Equity (ROE) | 10.6706% | 2,106 |
| Retained earnings to average equity (ytd only) | 4.3651% | 2,941 |
| Net charge-offs to loans | 0.2155% | 300 |
| Credit loss provision to net charge-offs | 11.9048% | 1,626 |
| Earnings coverage of net charge-offs (x) | 9.4133% | 1,788 |
| Efficiency ratio | 56.7578% | 3,703 |
| Assets per employee ($millions) | 9.3851% | 783 |
| Cash dividends to net income (ytd only)* | 59.0919% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8402% | 4,102 |
| Loan loss allowance to noncurrent loans | 114.8430% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.4387% | 1,293 |
| Noncurrent loans to loans | 0.7316% | 1,179 |
| Net loans and leases to total assets | 59.4605% | 2,387 |
| Net loans and leases to deposits | 70.9120% | 2,119 |
| Net loans and leases to core deposits | 71.8699% | 2,352 |
| Total domestic deposits to total assets | 83.8512% | 3,709 |
| Equity capital to assets | 8.9453% | 2,417 |
| Core capital (leverage) ratio | 9.0105% | 3,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6651% | 1,518 |
| Memoranda: | ||
| Average total assets | $919,196,333 | 1,061 |
| Average earning assets | $874,913,000 | 1,040 |
| Average equity | $82,151,000 | 1,135 |
| Average total loans | $545,644,333 | 1,098 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8966% | 3,548 |
| Cost of funding earning assets | 0.3835% | 964 |
| Net interest margin | 2.5131% | 3,880 |
| Noninterest income to average assets | 0.2581% | 3,591 |
| Noninterest expense to average assets | 1.5567% | 4,356 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8730% | 2,401 |
| Return on assets (ROA) | 0.8733% | 2,388 |
| Pretax return on assets | 1.0934% | 2,162 |
| Return on Equity (ROE) | 9.7759% | 2,058 |
| Retained earnings to average equity (ytd only) | 3.4088% | 3,143 |
| Net charge-offs to loans | 0.1993% | 311 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 9.2862% | 1,494 |
| Efficiency ratio | 58.7517% | 3,605 |
| Assets per employee ($millions) | 9.5625% | 761 |
| Cash dividends to net income (ytd only)* | 65.1303% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9083% | 4,022 |
| Loan loss allowance to noncurrent loans | 81.4069% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 0.6597% | 893 |
| Noncurrent loans to loans | 1.1157% | 798 |
| Net loans and leases to total assets | 58.5908% | 2,234 |
| Net loans and leases to deposits | 70.4105% | 1,929 |
| Net loans and leases to core deposits | 71.3761% | 2,167 |
| Total domestic deposits to total assets | 83.2132% | 3,918 |
| Equity capital to assets | 8.9343% | 2,769 |
| Core capital (leverage) ratio | 8.9737% | 3,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9792% | 1,520 |
| Memoranda: | ||
| Average total assets | $914,231,000 | 1,066 |
| Average earning assets | $869,994,500 | 1,047 |
| Average equity | $81,670,000 | 1,176 |
| Average total loans | $539,894,000 | 1,099 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1758% | 3,525 |
| Cost of funding earning assets | 0.5216% | 834 |
| Net interest margin | 2.6542% | 3,954 |
| Noninterest income to average assets | 0.2985% | 3,611 |
| Noninterest expense to average assets | 1.6664% | 4,341 |
| Loan and lease loss provision to assets | 0.0390% | 2,267 |
| Net operating income to assets | 0.8445% | 3,207 |
| Return on assets (ROA) | 0.8446% | 3,270 |
| Pretax return on assets | 1.1144% | 2,915 |
| Return on Equity (ROE) | 9.4119% | 2,750 |
| Retained earnings to average equity (ytd only) | 2.2335% | 3,911 |
| Net charge-offs to loans | 0.0679% | 1,116 |
| Credit loss provision to net charge-offs | 90.6736% | 1,875 |
| Earnings coverage of net charge-offs (x) | 26.8316% | 1,690 |
| Efficiency ratio | 59.1004% | 3,283 |
| Assets per employee ($millions) | 9.5838% | 761 |
| Cash dividends to net income (ytd only)* | 76.2690% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9682% | 3,878 |
| Loan loss allowance to noncurrent loans | 83.4243% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 0.6845% | 935 |
| Noncurrent loans to loans | 1.1605% | 829 |
| Net loans and leases to total assets | 58.4094% | 2,331 |
| Net loans and leases to deposits | 70.2577% | 2,107 |
| Net loans and leases to core deposits | 71.4650% | 2,306 |
| Total domestic deposits to total assets | 83.1359% | 3,776 |
| Equity capital to assets | 8.9321% | 3,697 |
| Core capital (leverage) ratio | 9.0025% | 3,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6166% | 1,645 |
| Memoranda: | ||
| Average total assets | $898,090,600 | 1,048 |
| Average earning assets | $853,063,200 | 1,031 |
| Average equity | $80,589,600 | 1,203 |
| Average total loans | $568,691,000 | 1,064 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2142% | 3,580 |
| Cost of funding earning assets | 0.5479% | 843 |
| Net interest margin | 2.6663% | 4,031 |
| Noninterest income to average assets | 0.3044% | 3,613 |
| Noninterest expense to average assets | 1.7066% | 4,321 |
| Loan and lease loss provision to assets | 0.0432% | 2,130 |
| Net operating income to assets | 0.8288% | 3,446 |
| Return on assets (ROA) | 0.8289% | 3,511 |
| Pretax return on assets | 1.0872% | 3,223 |
| Return on Equity (ROE) | 9.2262% | 3,032 |
| Retained earnings to average equity (ytd only) | 2.0296% | 4,180 |
| Net charge-offs to loans | 0.0012% | 2,395 |
| Credit loss provision to net charge-offs | 5,800.0000% | 136 |
| Earnings coverage of net charge-offs (x) | 1,517.4000% | 98 |
| Efficiency ratio | 60.1586% | 2,963 |
| Assets per employee ($millions) | 8.5951% | 1,013 |
| Cash dividends to net income (ytd only)* | 78.0014% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 3,845 |
| Loan loss allowance to noncurrent loans | 81.5723% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 0.7570% | 959 |
| Noncurrent loans to loans | 1.2260% | 904 |
| Net loans and leases to total assets | 61.1289% | 2,123 |
| Net loans and leases to deposits | 74.8753% | 1,771 |
| Net loans and leases to core deposits | 76.1523% | 2,034 |
| Total domestic deposits to total assets | 81.6410% | 3,992 |
| Equity capital to assets | 9.0333% | 3,799 |
| Core capital (leverage) ratio | 8.9112% | 3,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0546% | 1,341 |
| Memoranda: | ||
| Average total assets | $894,997,750 | 1,062 |
| Average earning assets | $850,089,000 | 1,044 |
| Average equity | $80,406,250 | 1,224 |
| Average total loans | $576,615,250 | 1,070 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2476% | 3,566 |
| Cost of funding earning assets | 0.5703% | 867 |
| Net interest margin | 2.6773% | 4,024 |
| Noninterest income to average assets | 0.2969% | 3,652 |
| Noninterest expense to average assets | 1.6559% | 4,435 |
| Loan and lease loss provision to assets | 0.0447% | 2,118 |
| Net operating income to assets | 0.8618% | 3,328 |
| Return on assets (ROA) | 0.8620% | 3,403 |
| Pretax return on assets | 1.1403% | 3,088 |
| Return on Equity (ROE) | 9.6124% | 2,906 |
| Retained earnings to average equity (ytd only) | 3.3353% | 3,736 |
| Net charge-offs to loans | 0.0044% | 1,992 |
| Credit loss provision to net charge-offs | 1,538.4615% | 348 |
| Earnings coverage of net charge-offs (x) | 408.0000% | 309 |
| Efficiency ratio | 58.2921% | 3,246 |
| Assets per employee ($millions) | 8.6277% | 973 |
| Cash dividends to net income (ytd only)* | 65.3019% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 4,010 |
| Loan loss allowance to noncurrent loans | 79.1071% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 0.7566% | 1,085 |
| Noncurrent loans to loans | 1.1967% | 1,003 |
| Net loans and leases to total assets | 62.6223% | 2,106 |
| Net loans and leases to deposits | 77.7123% | 1,659 |
| Net loans and leases to core deposits | 79.0302% | 1,959 |
| Total domestic deposits to total assets | 80.5822% | 4,142 |
| Equity capital to assets | 8.9262% | 3,863 |
| Core capital (leverage) ratio | 8.8602% | 3,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4484% | 1,820 |
| Memoranda: | ||
| Average total assets | $895,366,000 | 1,058 |
| Average earning assets | $850,707,667 | 1,031 |
| Average equity | $80,292,333 | 1,216 |
| Average total loans | $584,838,000 | 1,053 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3550% | 3,327 |
| Cost of funding earning assets | 0.5859% | 933 |
| Net interest margin | 2.7692% | 3,831 |
| Noninterest income to average assets | 0.3105% | 3,545 |
| Noninterest expense to average assets | 1.6156% | 4,510 |
| Loan and lease loss provision to assets | 0.0427% | 2,208 |
| Net operating income to assets | 0.9726% | 2,894 |
| Return on assets (ROA) | 0.9729% | 2,989 |
| Pretax return on assets | 1.2844% | 2,609 |
| Return on Equity (ROE) | 10.8241% | 2,418 |
| Retained earnings to average equity (ytd only) | 4.8146% | 3,285 |
| Net charge-offs to loans | 0.0068% | 1,656 |
| Credit loss provision to net charge-offs | 950.0000% | 428 |
| Earnings coverage of net charge-offs (x) | 295.2000% | 297 |
| Efficiency ratio | 54.9106% | 3,682 |
| Assets per employee ($millions) | 8.7931% | 889 |
| Cash dividends to net income (ytd only)* | 55.5196% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9155% | 4,112 |
| Loan loss allowance to noncurrent loans | 78.9318% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 0.7442% | 1,238 |
| Noncurrent loans to loans | 1.1598% | 1,146 |
| Net loans and leases to total assets | 63.5769% | 2,096 |
| Net loans and leases to deposits | 79.4442% | 1,575 |
| Net loans and leases to core deposits | 80.7737% | 1,936 |
| Total domestic deposits to total assets | 80.0271% | 4,201 |
| Equity capital to assets | 8.8871% | 3,796 |
| Core capital (leverage) ratio | 9.0935% | 3,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7908% | 1,358 |
| Memoranda: | ||
| Average total assets | $890,096,000 | 1,046 |
| Average earning assets | $845,890,500 | 1,029 |
| Average equity | $80,007,000 | 1,210 |
| Average total loans | $590,896,500 | 1,047 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7519% | 3,437 |
| Cost of funding earning assets | 0.7826% | 1,285 |
| Net interest margin | 2.9693% | 3,964 |
| Noninterest income to average assets | 0.2625% | 3,906 |
| Noninterest expense to average assets | 1.7296% | 4,577 |
| Loan and lease loss provision to assets | 0.0860% | 3,291 |
| Net operating income to assets | 0.9567% | 2,450 |
| Return on assets (ROA) | 0.9573% | 2,595 |
| Pretax return on assets | 1.2566% | 2,134 |
| Return on Equity (ROE) | 10.2081% | 1,929 |
| Retained earnings to average equity (ytd only) | 2.7500% | 3,484 |
| Net charge-offs to loans | 0.0317% | 2,400 |
| Credit loss provision to net charge-offs | 372.9167% | 1,516 |
| Earnings coverage of net charge-offs (x) | 58.1510% | 1,084 |
| Efficiency ratio | 56.3133% | 3,948 |
| Assets per employee ($millions) | 8.6585% | 843 |
| Cash dividends to net income (ytd only)* | 73.0605% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8715% | 4,268 |
| Loan loss allowance to noncurrent loans | 74.3186% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 0.8055% | 1,267 |
| Noncurrent loans to loans | 1.1727% | 1,210 |
| Net loans and leases to total assets | 68.0877% | 1,816 |
| Net loans and leases to deposits | 86.3969% | 1,224 |
| Net loans and leases to core deposits | 87.9183% | 1,702 |
| Total domestic deposits to total assets | 78.8081% | 4,223 |
| Equity capital to assets | 9.0937% | 3,976 |
| Core capital (leverage) ratio | 9.2645% | 3,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2500% | 1,759 |
| Memoranda: | ||
| Average total assets | $832,092,800 | 1,024 |
| Average earning assets | $787,157,800 | 1,004 |
| Average equity | $78,036,400 | 1,176 |
| Average total loans | $606,515,400 | 965 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8133% | 3,522 |
| Cost of funding earning assets | 0.8277% | 1,369 |
| Net interest margin | 2.9856% | 4,008 |
| Noninterest income to average assets | 0.2512% | 3,975 |
| Noninterest expense to average assets | 1.7735% | 4,538 |
| Loan and lease loss provision to assets | 0.1008% | 3,062 |
| Net operating income to assets | 0.9299% | 2,599 |
| Return on assets (ROA) | 0.9308% | 2,724 |
| Pretax return on assets | 1.1999% | 2,389 |
| Return on Equity (ROE) | 9.8456% | 2,071 |
| Retained earnings to average equity (ytd only) | 2.0858% | 3,902 |
| Net charge-offs to loans | 0.0053% | 2,952 |
| Credit loss provision to net charge-offs | 2,587.5000% | 388 |
| Earnings coverage of net charge-offs (x) | 333.6250% | 329 |
| Efficiency ratio | 57.7110% | 3,706 |
| Assets per employee ($millions) | 8.2309% | 920 |
| Cash dividends to net income (ytd only)* | 78.8143% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8655% | 4,176 |
| Loan loss allowance to noncurrent loans | 72.8021% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 0.8517% | 1,362 |
| Noncurrent loans to loans | 1.1888% | 1,282 |
| Net loans and leases to total assets | 71.0269% | 1,811 |
| Net loans and leases to deposits | 91.8396% | 1,089 |
| Net loans and leases to core deposits | 93.5589% | 1,673 |
| Total domestic deposits to total assets | 77.3380% | 4,281 |
| Equity capital to assets | 9.1814% | 3,971 |
| Core capital (leverage) ratio | 9.1883% | 3,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4889% | 1,662 |
| Memoranda: | ||
| Average total assets | $821,489,250 | 1,023 |
| Average earning assets | $776,415,000 | 1,006 |
| Average equity | $77,664,250 | 1,173 |
| Average total loans | $607,977,500 | 964 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8994% | 3,617 |
| Cost of funding earning assets | 0.8648% | 1,520 |
| Net interest margin | 3.0346% | 4,047 |
| Noninterest income to average assets | 0.2482% | 3,985 |
| Noninterest expense to average assets | 1.7862% | 4,578 |
| Loan and lease loss provision to assets | 0.1153% | 2,867 |
| Net operating income to assets | 0.9335% | 2,562 |
| Return on assets (ROA) | 0.9351% | 2,688 |
| Pretax return on assets | 1.2166% | 2,307 |
| Return on Equity (ROE) | 9.7913% | 2,053 |
| Retained earnings to average equity (ytd only) | 0.9489% | 4,112 |
| Net charge-offs to loans | 0.0036% | 2,852 |
| Credit loss provision to net charge-offs | 4,245.4545% | 268 |
| Earnings coverage of net charge-offs (x) | 489.6364% | 212 |
| Efficiency ratio | 57.3217% | 3,772 |
| Assets per employee ($millions) | 8.3618% | 851 |
| Cash dividends to net income (ytd only)* | 90.3090% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8323% | 4,249 |
| Loan loss allowance to noncurrent loans | 74.0364% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 0.8183% | 1,517 |
| Noncurrent loans to loans | 1.1242% | 1,401 |
| Net loans and leases to total assets | 72.1778% | 1,673 |
| Net loans and leases to deposits | 93.3452% | 1,019 |
| Net loans and leases to core deposits | 95.0913% | 1,652 |
| Total domestic deposits to total assets | 77.3235% | 4,277 |
| Equity capital to assets | 9.1151% | 3,986 |
| Core capital (leverage) ratio | 9.3880% | 3,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1387% | 1,748 |
| Memoranda: | ||
| Average total assets | $809,980,000 | 1,020 |
| Average earning assets | $765,504,667 | 1,002 |
| Average equity | $77,354,333 | 1,173 |
| Average total loans | $606,200,000 | 952 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1083% | 3,504 |
| Cost of funding earning assets | 0.9393% | 1,689 |
| Net interest margin | 3.1690% | 3,935 |
| Noninterest income to average assets | 0.2633% | 3,963 |
| Noninterest expense to average assets | 1.8866% | 4,561 |
| Loan and lease loss provision to assets | 0.0578% | 3,035 |
| Net operating income to assets | 1.0100% | 2,146 |
| Return on assets (ROA) | 1.0100% | 2,246 |
| Pretax return on assets | 1.3123% | 1,838 |
| Return on Equity (ROE) | 10.3214% | 1,634 |
| Retained earnings to average equity (ytd only) | -2.2240% | 4,276 |
| Net charge-offs to loans | 0.0033% | 2,468 |
| Credit loss provision to net charge-offs | 2,280.0000% | 315 |
| Earnings coverage of net charge-offs (x) | 540.2000% | 113 |
| Efficiency ratio | 57.9283% | 4,009 |
| Assets per employee ($millions) | 7.3286% | 958 |
| Cash dividends to net income (ytd only)* | 121.5470% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8073% | 4,395 |
| Loan loss allowance to noncurrent loans | 72.5357% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 0.8396% | 1,598 |
| Noncurrent loans to loans | 1.1129% | 1,489 |
| Net loans and leases to total assets | 74.8276% | 1,481 |
| Net loans and leases to deposits | 97.9899% | 715 |
| Net loans and leases to core deposits | 99.9838% | 1,475 |
| Total domestic deposits to total assets | 76.3625% | 4,434 |
| Equity capital to assets | 9.7213% | 4,023 |
| Core capital (leverage) ratio | 9.7870% | 3,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0671% | 1,883 |
| Memoranda: | ||
| Average total assets | $788,517,500 | 1,016 |
| Average earning assets | $744,841,000 | 995 |
| Average equity | $77,160,000 | 1,174 |
| Average total loans | $598,912,500 | 943 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2670% | 3,627 |
| Cost of funding earning assets | 0.9725% | 1,844 |
| Net interest margin | 3.2944% | 4,001 |
| Noninterest income to average assets | 0.2886% | 3,962 |
| Noninterest expense to average assets | 1.8794% | 4,685 |
| Loan and lease loss provision to assets | 0.1033% | 1,997 |
| Net operating income to assets | 1.0844% | 2,504 |
| Return on assets (ROA) | 1.0989% | 2,551 |
| Pretax return on assets | 1.4487% | 1,980 |
| Return on Equity (ROE) | 11.4784% | 1,696 |
| Retained earnings to average equity (ytd only) | 5.7359% | 2,013 |
| Net charge-offs to loans | 0.0415% | 2,561 |
| Credit loss provision to net charge-offs | 317.1875% | 874 |
| Earnings coverage of net charge-offs (x) | 47.0781% | 1,180 |
| Efficiency ratio | 55.0634% | 4,317 |
| Assets per employee ($millions) | 6.8908% | 1,090 |
| Cash dividends to net income (ytd only)* | 50.0290% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7842% | 4,351 |
| Loan loss allowance to noncurrent loans | 67.2328% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.8920% | 1,427 |
| Noncurrent loans to loans | 1.1664% | 1,301 |
| Net loans and leases to total assets | 75.8761% | 1,438 |
| Net loans and leases to deposits | 100.0334% | 606 |
| Net loans and leases to core deposits | 102.2723% | 1,386 |
| Total domestic deposits to total assets | 75.8508% | 4,614 |
| Equity capital to assets | 9.8500% | 4,056 |
| Core capital (leverage) ratio | 9.8561% | 3,667 |
| Tier 1 risk-based capital ratio | 14.3223% | 3,105 |
| Total risk-based capital ratio | 15.2101% | 3,191 |
| Memoranda: | ||
| Average total assets | $785,800,600 | 988 |
| Average earning assets | $745,258,800 | 966 |
| Average equity | $75,228,200 | 1,146 |
| Average total loans | $616,286,000 | 894 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2821% | 3,711 |
| Cost of funding earning assets | 0.9621% | 1,928 |
| Net interest margin | 3.3200% | 4,056 |
| Noninterest income to average assets | 0.2908% | 3,992 |
| Noninterest expense to average assets | 1.8878% | 4,713 |
| Loan and lease loss provision to assets | 0.1055% | 1,831 |
| Net operating income to assets | 1.0901% | 2,610 |
| Return on assets (ROA) | 1.1094% | 2,624 |
| Pretax return on assets | 1.4740% | 2,034 |
| Return on Equity (ROE) | 11.6727% | 1,728 |
| Retained earnings to average equity (ytd only) | 5.7105% | 2,505 |
| Net charge-offs to loans | 0.0043% | 3,251 |
| Credit loss provision to net charge-offs | 3,110.0000% | 131 |
| Earnings coverage of net charge-offs (x) | 458.2313% | 215 |
| Efficiency ratio | 54.8317% | 4,300 |
| Assets per employee ($millions) | 6.9055% | 1,064 |
| Cash dividends to net income (ytd only)* | 51.0781% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7791% | 4,462 |
| Loan loss allowance to noncurrent loans | 52.4997% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 1.1612% | 1,107 |
| Noncurrent loans to loans | 1.4839% | 1,022 |
| Net loans and leases to total assets | 77.6409% | 1,199 |
| Net loans and leases to deposits | 102.7744% | 461 |
| Net loans and leases to core deposits | 105.4911% | 1,221 |
| Total domestic deposits to total assets | 75.5450% | 4,690 |
| Equity capital to assets | 9.7731% | 4,235 |
| Core capital (leverage) ratio | 9.7221% | 3,941 |
| Tier 1 risk-based capital ratio | 13.9996% | 3,335 |
| Total risk-based capital ratio | 14.8886% | 3,411 |
| Memoranda: | ||
| Average total assets | $785,863,250 | 990 |
| Average earning assets | $746,126,250 | 966 |
| Average equity | $74,691,000 | 1,150 |
| Average total loans | $620,168,500 | 889 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2794% | 3,695 |
| Cost of funding earning assets | 0.9471% | 1,931 |
| Net interest margin | 3.3323% | 4,072 |
| Noninterest income to average assets | 0.2930% | 3,977 |
| Noninterest expense to average assets | 1.8971% | 4,754 |
| Loan and lease loss provision to assets | 0.1033% | 1,814 |
| Net operating income to assets | 1.0954% | 2,539 |
| Return on assets (ROA) | 1.1243% | 2,501 |
| Pretax return on assets | 1.4907% | 1,885 |
| Return on Equity (ROE) | 11.9406% | 1,598 |
| Retained earnings to average equity (ytd only) | 5.6035% | 2,472 |
| Net charge-offs to loans | 0.0048% | 2,991 |
| Credit loss provision to net charge-offs | 2,713.3333% | 138 |
| Earnings coverage of net charge-offs (x) | 408.9333% | 190 |
| Efficiency ratio | 54.9169% | 4,369 |
| Assets per employee ($millions) | 6.8037% | 1,089 |
| Cash dividends to net income (ytd only)* | 53.0714% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7331% | 4,640 |
| Loan loss allowance to noncurrent loans | 50.7478% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 1.1256% | 1,196 |
| Noncurrent loans to loans | 1.4446% | 1,069 |
| Net loans and leases to total assets | 77.3453% | 1,336 |
| Net loans and leases to deposits | 102.0897% | 533 |
| Net loans and leases to core deposits | 104.7526% | 1,321 |
| Total domestic deposits to total assets | 75.7621% | 4,697 |
| Equity capital to assets | 9.4395% | 4,460 |
| Core capital (leverage) ratio | 9.5292% | 4,117 |
| Tier 1 risk-based capital ratio | 13.5227% | 3,571 |
| Total risk-based capital ratio | 14.3563% | 3,690 |
| Memoranda: | ||
| Average total assets | $787,710,000 | 988 |
| Average earning assets | $747,343,670 | 965 |
| Average equity | $74,167,330 | 1,150 |
| Average total loans | $623,355,670 | 887 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2705% | 3,647 |
| Cost of funding earning assets | 0.9206% | 1,917 |
| Net interest margin | 3.3499% | 4,032 |
| Noninterest income to average assets | 0.3017% | 3,867 |
| Noninterest expense to average assets | 1.9021% | 4,796 |
| Loan and lease loss provision to assets | 0.0980% | 1,786 |
| Net operating income to assets | 1.1063% | 2,444 |
| Return on assets (ROA) | 1.1639% | 2,252 |
| Pretax return on assets | 1.5550% | 1,598 |
| Return on Equity (ROE) | 12.3779% | 1,419 |
| Retained earnings to average equity (ytd only) | 6.6775% | 2,164 |
| Net charge-offs to loans | 0.0019% | 2,692 |
| Credit loss provision to net charge-offs | 6,400.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 1,031.6667% | 50 |
| Efficiency ratio | 54.6254% | 4,476 |
| Assets per employee ($millions) | 7.2206% | 909 |
| Cash dividends to net income (ytd only)* | 46.0526% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6961% | 4,786 |
| Loan loss allowance to noncurrent loans | 45.2537% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 1.2083% | 1,104 |
| Noncurrent loans to loans | 1.5383% | 1,043 |
| Net loans and leases to total assets | 78.0008% | 1,149 |
| Net loans and leases to deposits | 102.2625% | 482 |
| Net loans and leases to core deposits | 105.1951% | 1,227 |
| Total domestic deposits to total assets | 76.2751% | 4,731 |
| Equity capital to assets | 9.3538% | 4,382 |
| Core capital (leverage) ratio | 9.5433% | 4,081 |
| Tier 1 risk-based capital ratio | 13.3395% | 3,699 |
| Total risk-based capital ratio | 14.1346% | 3,836 |
| Memoranda: | ||
| Average total assets | $783,547,500 | 994 |
| Average earning assets | $743,893,000 | 969 |
| Average equity | $73,680,000 | 1,153 |
| Average total loans | $624,912,000 | 888 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2388% | 3,318 |
| Cost of funding earning assets | 0.8969% | 1,108 |
| Net interest margin | 3.3419% | 4,151 |
| Noninterest income to average assets | 0.3269% | 3,918 |
| Noninterest expense to average assets | 1.9009% | 4,892 |
| Loan and lease loss provision to assets | 0.1581% | 1,304 |
| Net operating income to assets | 1.1026% | 2,586 |
| Return on assets (ROA) | 1.1026% | 2,584 |
| Pretax return on assets | 1.4444% | 1,973 |
| Return on Equity (ROE) | 12.0239% | 1,705 |
| Retained earnings to average equity (ytd only) | 4.8442% | 2,866 |
| Net charge-offs to loans | 0.1689% | 1,136 |
| Credit loss provision to net charge-offs | 118.2432% | 2,194 |
| Earnings coverage of net charge-offs (x) | 11.9884% | 2,583 |
| Efficiency ratio | 54.2592% | 4,595 |
| Assets per employee ($millions) | 6.7792% | 1,081 |
| Cash dividends to net income (ytd only)* | 59.7121% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6638% | 4,874 |
| Loan loss allowance to noncurrent loans | 43.2047% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 1.2809% | 1,002 |
| Noncurrent loans to loans | 1.5364% | 981 |
| Net loans and leases to total assets | 80.4566% | 871 |
| Net loans and leases to deposits | 104.7818% | 440 |
| Net loans and leases to core deposits | 107.6152% | 1,149 |
| Total domestic deposits to total assets | 76.7849% | 4,667 |
| Equity capital to assets | 9.4544% | 4,167 |
| Core capital (leverage) ratio | 9.4859% | 4,126 |
| Tier 1 risk-based capital ratio | 13.2069% | 3,720 |
| Total risk-based capital ratio | 13.9734% | 3,887 |
| Memoranda: | ||
| Average total assets | $775,068,200 | 972 |
| Average earning assets | $736,671,800 | 951 |
| Average equity | $71,075,000 | 1,144 |
| Average total loans | $613,253,600 | 874 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2096% | 3,290 |
| Cost of funding earning assets | 0.8933% | 951 |
| Net interest margin | 3.3164% | 4,235 |
| Noninterest income to average assets | 0.2756% | 4,313 |
| Noninterest expense to average assets | 1.9156% | 4,879 |
| Loan and lease loss provision to assets | 0.1487% | 1,338 |
| Net operating income to assets | 1.0646% | 2,810 |
| Return on assets (ROA) | 1.0646% | 2,822 |
| Pretax return on assets | 1.3626% | 2,367 |
| Return on Equity (ROE) | 11.6994% | 1,908 |
| Retained earnings to average equity (ytd only) | 4.3261% | 3,594 |
| Net charge-offs to loans | 0.1989% | 851 |
| Credit loss provision to net charge-offs | 95.0549% | 2,365 |
| Earnings coverage of net charge-offs (x) | 9.6616% | 2,632 |
| Efficiency ratio | 55.8989% | 4,404 |
| Assets per employee ($millions) | 6.6376% | 1,121 |
| Cash dividends to net income (ytd only)* | 63.0227% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6315% | 4,997 |
| Loan loss allowance to noncurrent loans | 40.9975% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 1.3777% | 973 |
| Noncurrent loans to loans | 1.5403% | 1,042 |
| Net loans and leases to total assets | 80.1334% | 998 |
| Net loans and leases to deposits | 105.1609% | 476 |
| Net loans and leases to core deposits | 108.2150% | 1,154 |
| Total domestic deposits to total assets | 76.2008% | 4,768 |
| Equity capital to assets | 9.3399% | 4,235 |
| Core capital (leverage) ratio | 9.2561% | 4,452 |
| Tier 1 risk-based capital ratio | 13.0223% | 3,891 |
| Total risk-based capital ratio | 13.7478% | 4,088 |
| Memoranda: | ||
| Average total assets | $775,628,000 | 970 |
| Average earning assets | $737,053,000 | 952 |
| Average equity | $70,577,250 | 1,151 |
| Average total loans | $610,080,250 | 877 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1612% | 3,236 |
| Cost of funding earning assets | 0.8953% | 746 |
| Net interest margin | 3.2658% | 4,338 |
| Noninterest income to average assets | 0.2763% | 4,339 |
| Noninterest expense to average assets | 1.9277% | 4,924 |
| Loan and lease loss provision to assets | 0.1698% | 1,083 |
| Net operating income to assets | 0.9991% | 3,026 |
| Return on assets (ROA) | 0.9991% | 3,025 |
| Pretax return on assets | 1.2836% | 2,581 |
| Return on Equity (ROE) | 11.0763% | 2,080 |
| Retained earnings to average equity (ytd only) | 2.2329% | 4,385 |
| Net charge-offs to loans | 0.0261% | 2,336 |
| Credit loss provision to net charge-offs | 835.4430% | 478 |
| Earnings coverage of net charge-offs (x) | 71.5190% | 896 |
| Efficiency ratio | 57.0146% | 4,358 |
| Assets per employee ($millions) | 6.7497% | 1,041 |
| Cash dividends to net income (ytd only)* | 79.8404% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7289% | 4,870 |
| Loan loss allowance to noncurrent loans | 46.7606% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 1.2704% | 1,117 |
| Noncurrent loans to loans | 1.5587% | 1,054 |
| Net loans and leases to total assets | 79.0970% | 1,150 |
| Net loans and leases to deposits | 103.2997% | 570 |
| Net loans and leases to core deposits | 105.4916% | 1,277 |
| Total domestic deposits to total assets | 76.5705% | 4,789 |
| Equity capital to assets | 8.9923% | 4,566 |
| Core capital (leverage) ratio | 9.0455% | 4,652 |
| Tier 1 risk-based capital ratio | 12.5925% | 4,128 |
| Total risk-based capital ratio | 13.4211% | 4,270 |
| Memoranda: | ||
| Average total assets | $777,515,000 | 974 |
| Average earning assets | $739,170,330 | 952 |
| Average equity | $70,131,670 | 1,156 |
| Average total loans | $606,466,330 | 880 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0800% | 3,304 |
| Cost of funding earning assets | 0.9149% | 553 |
| Net interest margin | 3.1651% | 4,565 |
| Noninterest income to average assets | 0.2695% | 4,369 |
| Noninterest expense to average assets | 1.9587% | 4,927 |
| Loan and lease loss provision to assets | 0.1549% | 1,168 |
| Net operating income to assets | 0.9004% | 3,289 |
| Return on assets (ROA) | 0.9004% | 3,292 |
| Pretax return on assets | 1.1637% | 2,913 |
| Return on Equity (ROE) | 9.9665% | 2,452 |
| Retained earnings to average equity (ytd only) | 4.2518% | 3,490 |
| Net charge-offs to loans | 0.0027% | 2,643 |
| Credit loss provision to net charge-offs | 7,500.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 638.5000% | 99 |
| Efficiency ratio | 59.7669% | 4,093 |
| Assets per employee ($millions) | 7.1101% | 921 |
| Cash dividends to net income (ytd only)* | 57.3394% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7069% | 5,017 |
| Loan loss allowance to noncurrent loans | 40.0564% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 1.4154% | 1,015 |
| Noncurrent loans to loans | 1.7647% | 967 |
| Net loans and leases to total assets | 77.2466% | 1,353 |
| Net loans and leases to deposits | 101.5065% | 611 |
| Net loans and leases to core deposits | 103.5997% | 1,405 |
| Total domestic deposits to total assets | 76.1002% | 4,952 |
| Equity capital to assets | 9.0795% | 4,476 |
| Core capital (leverage) ratio | 9.1976% | 4,438 |
| Tier 1 risk-based capital ratio | 12.8753% | 4,021 |
| Total risk-based capital ratio | 13.6708% | 4,188 |
| Memoranda: | ||
| Average total assets | $774,792,500 | 980 |
| Average earning assets | $736,279,000 | 962 |
| Average equity | $69,994,500 | 1,174 |
| Average total loans | $597,777,000 | 894 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0276% | 3,318 |
| Cost of funding earning assets | 1.0159% | 195 |
| Net interest margin | 3.0117% | 4,859 |
| Noninterest income to average assets | 0.3047% | 4,277 |
| Noninterest expense to average assets | 1.8634% | 5,169 |
| Loan and lease loss provision to assets | 0.0857% | 2,483 |
| Net operating income to assets | 0.8099% | 3,114 |
| Return on assets (ROA) | 0.8251% | 3,098 |
| Pretax return on assets | 1.2284% | 2,647 |
| Return on Equity (ROE) | 9.3265% | 2,172 |
| Retained earnings to average equity (ytd only) | 4.7684% | 2,279 |
| Net charge-offs to loans | 0.1297% | 1,755 |
| Credit loss provision to net charge-offs | 88.5753% | 2,814 |
| Earnings coverage of net charge-offs (x) | 13.3414% | 2,403 |
| Efficiency ratio | 59.0630% | 4,402 |
| Assets per employee ($millions) | 6.6775% | 1,114 |
| Cash dividends to net income (ytd only)* | 48.8724% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6692% | 5,126 |
| Loan loss allowance to noncurrent loans | 38.2634% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 1.4010% | 1,000 |
| Noncurrent loans to loans | 1.7490% | 923 |
| Net loans and leases to total assets | 75.9974% | 1,595 |
| Net loans and leases to deposits | 103.1864% | 539 |
| Net loans and leases to core deposits | 105.2654% | 1,321 |
| Total domestic deposits to total assets | 73.6506% | 5,215 |
| Equity capital to assets | 8.9884% | 4,736 |
| Core capital (leverage) ratio | 9.0869% | 4,539 |
| Tier 1 risk-based capital ratio | 12.9012% | 3,972 |
| Total risk-based capital ratio | 13.6519% | 4,172 |
| Memoranda: | ||
| Average total assets | $768,533,000 | 966 |
| Average earning assets | $727,339,400 | 948 |
| Average equity | $67,989,200 | 1,178 |
| Average total loans | $573,676,000 | 898 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0078% | 3,330 |
| Cost of funding earning assets | 1.0224% | 176 |
| Net interest margin | 2.9854% | 4,950 |
| Noninterest income to average assets | 0.2635% | 4,623 |
| Noninterest expense to average assets | 1.8702% | 5,173 |
| Loan and lease loss provision to assets | 0.0841% | 2,409 |
| Net operating income to assets | 0.8007% | 3,518 |
| Return on assets (ROA) | 0.8222% | 3,464 |
| Pretax return on assets | 1.1620% | 3,055 |
| Return on Equity (ROE) | 9.3318% | 2,424 |
| Retained earnings to average equity (ytd only) | 4.8869% | 2,958 |
| Net charge-offs to loans | 0.1106% | 1,686 |
| Credit loss provision to net charge-offs | 102.5424% | 2,235 |
| Earnings coverage of net charge-offs (x) | 14.8199% | 2,272 |
| Efficiency ratio | 60.6004% | 4,117 |
| Assets per employee ($millions) | 6.6434% | 1,103 |
| Cash dividends to net income (ytd only)* | 47.6321% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6891% | 5,154 |
| Loan loss allowance to noncurrent loans | 37.5647% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 1.5242% | 992 |
| Noncurrent loans to loans | 1.8345% | 967 |
| Net loans and leases to total assets | 76.6422% | 1,477 |
| Net loans and leases to deposits | 105.4746% | 438 |
| Net loans and leases to core deposits | 106.8902% | 1,205 |
| Total domestic deposits to total assets | 72.6642% | 5,342 |
| Equity capital to assets | 9.0131% | 4,903 |
| Core capital (leverage) ratio | 8.9164% | 4,842 |
| Tier 1 risk-based capital ratio | 12.8637% | 4,108 |
| Total risk-based capital ratio | 13.6388% | 4,293 |
| Memoranda: | ||
| Average total assets | $767,019,250 | 970 |
| Average earning assets | $725,202,250 | 952 |
| Average equity | $67,580,750 | 1,188 |
| Average total loans | $568,936,750 | 900 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9659% | 3,330 |
| Cost of funding earning assets | 1.0270% | 150 |
| Net interest margin | 2.9388% | 5,021 |
| Noninterest income to average assets | 0.2633% | 4,653 |
| Noninterest expense to average assets | 1.8804% | 5,213 |
| Loan and lease loss provision to assets | 0.0805% | 2,378 |
| Net operating income to assets | 0.7699% | 3,547 |
| Return on assets (ROA) | 0.8021% | 3,452 |
| Pretax return on assets | 1.1234% | 3,076 |
| Return on Equity (ROE) | 9.1729% | 2,423 |
| Retained earnings to average equity (ytd only) | 4.6907% | 2,917 |
| Net charge-offs to loans | 0.0594% | 2,083 |
| Credit loss provision to net charge-offs | 185.0299% | 1,342 |
| Earnings coverage of net charge-offs (x) | 26.6407% | 1,567 |
| Efficiency ratio | 61.8766% | 4,009 |
| Assets per employee ($millions) | 6.4169% | 1,200 |
| Cash dividends to net income (ytd only)* | 48.8636% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7273% | 5,143 |
| Loan loss allowance to noncurrent loans | 36.2215% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 1.4922% | 1,024 |
| Noncurrent loans to loans | 2.0078% | 836 |
| Net loans and leases to total assets | 73.1110% | 2,019 |
| Net loans and leases to deposits | 101.4875% | 638 |
| Net loans and leases to core deposits | 102.6572% | 1,459 |
| Total domestic deposits to total assets | 72.0395% | 5,452 |
| Equity capital to assets | 8.6807% | 5,164 |
| Core capital (leverage) ratio | 8.8761% | 4,867 |
| Tier 1 risk-based capital ratio | 12.8400% | 4,097 |
| Total risk-based capital ratio | 13.6485% | 4,243 |
| Memoranda: | ||
| Average total assets | $768,030,330 | 977 |
| Average earning assets | $725,392,670 | 956 |
| Average equity | $67,154,670 | 1,195 |
| Average total loans | $562,049,330 | 912 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9715% | 3,142 |
| Cost of funding earning assets | 1.0727% | 111 |
| Net interest margin | 2.8988% | 5,087 |
| Noninterest income to average assets | 0.2729% | 4,594 |
| Noninterest expense to average assets | 1.8427% | 5,314 |
| Loan and lease loss provision to assets | 0.0894% | 2,052 |
| Net operating income to assets | 0.7442% | 3,499 |
| Return on assets (ROA) | 0.8083% | 3,245 |
| Pretax return on assets | 1.1622% | 2,734 |
| Return on Equity (ROE) | 9.2101% | 2,312 |
| Retained earnings to average equity (ytd only) | 4.3983% | 3,226 |
| Net charge-offs to loans | -0.0036% | 4,099 |
| Credit loss provision to net charge-offs | -3,400.0000% | 4,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3660% | 4,249 |
| Assets per employee ($millions) | 6.8120% | 1,037 |
| Cash dividends to net income (ytd only)* | 52.2446% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7520% | 5,191 |
| Loan loss allowance to noncurrent loans | 36.7862% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 1.5305% | 1,033 |
| Noncurrent loans to loans | 2.0442% | 864 |
| Net loans and leases to total assets | 73.1040% | 1,894 |
| Net loans and leases to deposits | 99.9694% | 618 |
| Net loans and leases to core deposits | 100.9513% | 1,443 |
| Total domestic deposits to total assets | 73.1264% | 5,478 |
| Equity capital to assets | 8.7975% | 5,002 |
| Core capital (leverage) ratio | 8.8249% | 4,932 |
| Tier 1 risk-based capital ratio | 12.9396% | 4,115 |
| Total risk-based capital ratio | 13.7707% | 4,283 |
| Memoranda: | ||
| Average total assets | $760,613,500 | 985 |
| Average earning assets | $716,295,000 | 966 |
| Average equity | $66,753,000 | 1,194 |
| Average total loans | $554,797,500 | 928 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0282% | 3,102 |
| Cost of funding earning assets | 1.1189% | 87 |
| Net interest margin | 2.9093% | 5,127 |
| Noninterest income to average assets | 0.2833% | 4,719 |
| Noninterest expense to average assets | 1.7462% | 5,520 |
| Loan and lease loss provision to assets | 0.0934% | 2,492 |
| Net operating income to assets | 0.8005% | 3,301 |
| Return on assets (ROA) | 0.8005% | 3,404 |
| Pretax return on assets | 1.1852% | 2,736 |
| Return on Equity (ROE) | 9.3425% | 2,254 |
| Retained earnings to average equity (ytd only) | 2.9714% | 3,785 |
| Net charge-offs to loans | 0.0693% | 2,705 |
| Credit loss provision to net charge-offs | 188.3289% | 1,499 |
| Earnings coverage of net charge-offs (x) | 25.7905% | 1,574 |
| Efficiency ratio | 57.7298% | 4,885 |
| Assets per employee ($millions) | 6.5369% | 1,136 |
| Cash dividends to net income (ytd only)* | 68.1945% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7397% | 5,272 |
| Loan loss allowance to noncurrent loans | 47.7769% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 1.1431% | 1,614 |
| Noncurrent loans to loans | 1.5483% | 1,286 |
| Net loans and leases to total assets | 71.6850% | 2,208 |
| Net loans and leases to deposits | 100.7087% | 628 |
| Net loans and leases to core deposits | 101.5550% | 1,480 |
| Total domestic deposits to total assets | 71.1806% | 5,606 |
| Equity capital to assets | 8.7548% | 5,061 |
| Core capital (leverage) ratio | 8.8047% | 4,958 |
| Tier 1 risk-based capital ratio | 13.0591% | 4,029 |
| Total risk-based capital ratio | 13.8730% | 4,200 |
| Memoranda: | ||
| Average total assets | $760,435,400 | 950 |
| Average earning assets | $716,602,800 | 928 |
| Average equity | $65,153,800 | 1,208 |
| Average total loans | $543,853,200 | 909 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0440% | 3,062 |
| Cost of funding earning assets | 1.1306% | 75 |
| Net interest margin | 2.9134% | 5,164 |
| Noninterest income to average assets | 0.2791% | 4,772 |
| Noninterest expense to average assets | 1.7547% | 5,572 |
| Loan and lease loss provision to assets | 0.0929% | 2,369 |
| Net operating income to assets | 0.8023% | 3,353 |
| Return on assets (ROA) | 0.8023% | 3,496 |
| Pretax return on assets | 1.1774% | 2,929 |
| Return on Equity (ROE) | 9.4149% | 2,301 |
| Retained earnings to average equity (ytd only) | 2.3214% | 4,535 |
| Net charge-offs to loans | 0.0732% | 2,270 |
| Credit loss provision to net charge-offs | 177.8523% | 1,574 |
| Earnings coverage of net charge-offs (x) | 24.3291% | 1,679 |
| Efficiency ratio | 58.0075% | 4,812 |
| Assets per employee ($millions) | 6.6213% | 1,038 |
| Cash dividends to net income (ytd only)* | 75.3441% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7209% | 5,384 |
| Loan loss allowance to noncurrent loans | 51.2588% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 1.0577% | 1,950 |
| Noncurrent loans to loans | 1.4064% | 1,560 |
| Net loans and leases to total assets | 72.7010% | 2,062 |
| Net loans and leases to deposits | 103.0639% | 501 |
| Net loans and leases to core deposits | 104.0099% | 1,339 |
| Total domestic deposits to total assets | 70.5397% | 5,663 |
| Equity capital to assets | 8.7648% | 5,352 |
| Core capital (leverage) ratio | 8.6738% | 5,181 |
| Tier 1 risk-based capital ratio | 12.9342% | 4,199 |
| Total risk-based capital ratio | 13.7302% | 4,385 |
| Memoranda: | ||
| Average total assets | $760,973,250 | 945 |
| Average earning assets | $717,222,500 | 929 |
| Average equity | $64,845,750 | 1,219 |
| Average total loans | $542,909,750 | 905 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0377% | 3,109 |
| Cost of funding earning assets | 1.1360% | 74 |
| Net interest margin | 2.9017% | 5,260 |
| Noninterest income to average assets | 0.2569% | 4,940 |
| Noninterest expense to average assets | 1.7503% | 5,647 |
| Loan and lease loss provision to assets | 0.0915% | 2,319 |
| Net operating income to assets | 0.7768% | 3,417 |
| Return on assets (ROA) | 0.7768% | 3,566 |
| Pretax return on assets | 1.1510% | 2,984 |
| Return on Equity (ROE) | 9.2010% | 2,405 |
| Retained earnings to average equity (ytd only) | 1.7678% | 4,672 |
| Net charge-offs to loans | 0.0658% | 2,251 |
| Credit loss provision to net charge-offs | 196.6292% | 1,323 |
| Earnings coverage of net charge-offs (x) | 26.7079% | 1,481 |
| Efficiency ratio | 58.4840% | 4,837 |
| Assets per employee ($millions) | 6.7944% | 957 |
| Cash dividends to net income (ytd only)* | 80.7873% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7031% | 5,510 |
| Loan loss allowance to noncurrent loans | 47.3294% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 1.1166% | 1,892 |
| Noncurrent loans to loans | 1.4856% | 1,480 |
| Net loans and leases to total assets | 72.1883% | 2,134 |
| Net loans and leases to deposits | 101.7016% | 582 |
| Net loans and leases to core deposits | 102.6225% | 1,426 |
| Total domestic deposits to total assets | 70.9805% | 5,729 |
| Equity capital to assets | 8.5445% | 5,574 |
| Core capital (leverage) ratio | 8.5247% | 5,346 |
| Tier 1 risk-based capital ratio | 12.6806% | 4,399 |
| Total risk-based capital ratio | 13.4561% | 4,619 |
| Memoranda: | ||
| Average total assets | $765,228,330 | 939 |
| Average earning assets | $721,507,000 | 919 |
| Average equity | $64,601,330 | 1,223 |
| Average total loans | $541,244,670 | 905 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0440% | 3,055 |
| Cost of funding earning assets | 1.1449% | 72 |
| Net interest margin | 2.8991% | 5,320 |
| Noninterest income to average assets | 0.2685% | 4,812 |
| Noninterest expense to average assets | 1.7582% | 5,692 |
| Loan and lease loss provision to assets | 0.0938% | 2,126 |
| Net operating income to assets | 0.7725% | 3,384 |
| Return on assets (ROA) | 0.7725% | 3,487 |
| Pretax return on assets | 1.1499% | 2,890 |
| Return on Equity (ROE) | 9.2063% | 2,319 |
| Retained earnings to average equity (ytd only) | -0.7517% | 5,243 |
| Net charge-offs to loans | 0.0949% | 1,565 |
| Credit loss provision to net charge-offs | 141.7323% | 1,310 |
| Earnings coverage of net charge-offs (x) | 18.7874% | 1,531 |
| Efficiency ratio | 58.5692% | 4,934 |
| Assets per employee ($millions) | 7.0369% | 881 |
| Cash dividends to net income (ytd only)* | 108.1646% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7023% | 5,592 |
| Loan loss allowance to noncurrent loans | 43.8488% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 1.1958% | 1,830 |
| Noncurrent loans to loans | 1.6017% | 1,444 |
| Net loans and leases to total assets | 70.1542% | 2,317 |
| Net loans and leases to deposits | 99.9271% | 625 |
| Net loans and leases to core deposits | 101.1631% | 1,396 |
| Total domestic deposits to total assets | 70.2054% | 5,857 |
| Equity capital to assets | 8.4648% | 5,589 |
| Core capital (leverage) ratio | 8.3489% | 5,519 |
| Tier 1 risk-based capital ratio | 12.8109% | 4,390 |
| Total risk-based capital ratio | 13.5790% | 4,603 |
| Memoranda: | ||
| Average total assets | $767,354,000 | 937 |
| Average earning assets | $723,546,000 | 914 |
| Average equity | $64,391,000 | 1,217 |
| Average total loans | $535,254,000 | 911 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9935% | 3,331 |
| Cost of funding earning assets | 1.1823% | 62 |
| Net interest margin | 2.8113% | 5,487 |
| Noninterest income to average assets | 0.2445% | 5,130 |
| Noninterest expense to average assets | 1.7536% | 5,799 |
| Loan and lease loss provision to assets | 0.1044% | 2,243 |
| Net operating income to assets | 0.6999% | 3,810 |
| Return on assets (ROA) | 0.7193% | 3,821 |
| Pretax return on assets | 1.0511% | 3,262 |
| Return on Equity (ROE) | 8.7761% | 2,574 |
| Retained earnings to average equity (ytd only) | 2.8782% | 4,014 |
| Net charge-offs to loans | 0.1121% | 2,256 |
| Credit loss provision to net charge-offs | 138.9365% | 1,885 |
| Earnings coverage of net charge-offs (x) | 14.9966% | 2,241 |
| Efficiency ratio | 60.8762% | 4,776 |
| Assets per employee ($millions) | 7.3783% | 755 |
| Cash dividends to net income (ytd only)* | 67.2043% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6968% | 5,639 |
| Loan loss allowance to noncurrent loans | 40.2642% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 1.2861% | 1,654 |
| Noncurrent loans to loans | 1.7306% | 1,303 |
| Net loans and leases to total assets | 68.3932% | 2,644 |
| Net loans and leases to deposits | 101.5285% | 576 |
| Net loans and leases to core deposits | 102.8114% | 1,310 |
| Total domestic deposits to total assets | 67.3635% | 5,988 |
| Equity capital to assets | 8.3192% | 5,691 |
| Core capital (leverage) ratio | 8.3345% | 5,576 |
| Tier 1 risk-based capital ratio | 12.7569% | 4,473 |
| Total risk-based capital ratio | 13.5099% | 4,684 |
| Memoranda: | ||
| Average total assets | $775,769,000 | 893 |
| Average earning assets | $727,424,200 | 874 |
| Average equity | $63,581,800 | 1,187 |
| Average total loans | $519,946,800 | 898 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9940% | 3,367 |
| Cost of funding earning assets | 1.1987% | 59 |
| Net interest margin | 2.7952% | 5,584 |
| Noninterest income to average assets | 0.2334% | 5,260 |
| Noninterest expense to average assets | 1.7453% | 5,857 |
| Loan and lease loss provision to assets | 0.1045% | 2,116 |
| Net operating income to assets | 0.6891% | 3,950 |
| Return on assets (ROA) | 0.7152% | 3,945 |
| Pretax return on assets | 1.0328% | 3,492 |
| Return on Equity (ROE) | 8.7807% | 2,686 |
| Retained earnings to average equity (ytd only) | 2.6786% | 4,510 |
| Net charge-offs to loans | 0.1066% | 2,065 |
| Credit loss provision to net charge-offs | 147.6998% | 1,706 |
| Earnings coverage of net charge-offs (x) | 15.5328% | 2,175 |
| Efficiency ratio | 61.3508% | 4,667 |
| Assets per employee ($millions) | 6.8945% | 910 |
| Cash dividends to net income (ytd only)* | 69.4944% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7035% | 5,722 |
| Loan loss allowance to noncurrent loans | 43.2255% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 1.1794% | 2,005 |
| Noncurrent loans to loans | 1.6275% | 1,515 |
| Net loans and leases to total assets | 66.8174% | 2,877 |
| Net loans and leases to deposits | 98.7774% | 746 |
| Net loans and leases to core deposits | 100.0177% | 1,516 |
| Total domestic deposits to total assets | 67.6444% | 6,049 |
| Equity capital to assets | 8.2010% | 5,872 |
| Core capital (leverage) ratio | 8.3026% | 5,718 |
| Tier 1 risk-based capital ratio | 12.7412% | 4,584 |
| Total risk-based capital ratio | 13.4938% | 4,825 |
| Memoranda: | ||
| Average total assets | $777,917,000 | 891 |
| Average earning assets | $726,744,500 | 880 |
| Average equity | $63,364,500 | 1,200 |
| Average total loans | $516,539,750 | 908 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0088% | 3,255 |
| Cost of funding earning assets | 1.2072% | 56 |
| Net interest margin | 2.8016% | 5,611 |
| Noninterest income to average assets | 0.2274% | 5,340 |
| Noninterest expense to average assets | 1.7481% | 5,925 |
| Loan and lease loss provision to assets | 0.1106% | 1,986 |
| Net operating income to assets | 0.6823% | 3,970 |
| Return on assets (ROA) | 0.7215% | 3,900 |
| Pretax return on assets | 1.0430% | 3,402 |
| Return on Equity (ROE) | 8.8782% | 2,618 |
| Retained earnings to average equity (ytd only) | 3.4975% | 3,812 |
| Net charge-offs to loans | 0.0817% | 2,235 |
| Credit loss provision to net charge-offs | 204.7619% | 1,207 |
| Earnings coverage of net charge-offs (x) | 20.3048% | 1,712 |
| Efficiency ratio | 61.4467% | 4,760 |
| Assets per employee ($millions) | 6.8421% | 891 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7162% | 5,780 |
| Loan loss allowance to noncurrent loans | 42.9514% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 1.1646% | 2,179 |
| Noncurrent loans to loans | 1.6674% | 1,562 |
| Net loans and leases to total assets | 65.9572% | 2,958 |
| Net loans and leases to deposits | 98.1538% | 779 |
| Net loans and leases to core deposits | 99.4593% | 1,538 |
| Total domestic deposits to total assets | 67.1979% | 6,138 |
| Equity capital to assets | 8.1699% | 5,901 |
| Core capital (leverage) ratio | 8.3283% | 5,696 |
| Tier 1 risk-based capital ratio | 12.8052% | 4,619 |
| Total risk-based capital ratio | 13.5682% | 4,825 |
| Memoranda: | ||
| Average total assets | $777,531,670 | 895 |
| Average earning assets | $726,450,670 | 886 |
| Average equity | $63,188,670 | 1,209 |
| Average total loans | $513,971,670 | 916 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0881% | 2,885 |
| Cost of funding earning assets | 1.2049% | 58 |
| Net interest margin | 2.8831% | 5,489 |
| Noninterest income to average assets | 0.2169% | 5,402 |
| Noninterest expense to average assets | 1.7514% | 5,954 |
| Loan and lease loss provision to assets | 0.1340% | 1,544 |
| Net operating income to assets | 0.6965% | 3,820 |
| Return on assets (ROA) | 0.7739% | 3,535 |
| Pretax return on assets | 1.1418% | 2,896 |
| Return on Equity (ROE) | 9.5486% | 2,198 |
| Retained earnings to average equity (ytd only) | 3.8271% | 3,712 |
| Net charge-offs to loans | 0.0539% | 2,235 |
| Credit loss provision to net charge-offs | 376.8116% | 692 |
| Earnings coverage of net charge-offs (x) | 32.6812% | 1,093 |
| Efficiency ratio | 60.1167% | 5,080 |
| Assets per employee ($millions) | 6.7147% | 965 |
| Cash dividends to net income (ytd only)* | 59.9201% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7193% | 5,868 |
| Loan loss allowance to noncurrent loans | 41.6799% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 1.2172% | 2,197 |
| Noncurrent loans to loans | 1.7258% | 1,587 |
| Net loans and leases to total assets | 65.8108% | 2,813 |
| Net loans and leases to deposits | 97.1617% | 755 |
| Net loans and leases to core deposits | 98.4614% | 1,433 |
| Total domestic deposits to total assets | 67.7332% | 6,206 |
| Equity capital to assets | 8.1875% | 5,942 |
| Core capital (leverage) ratio | 8.2043% | 5,806 |
| Tier 1 risk-based capital ratio | 12.9430% | 4,634 |
| Total risk-based capital ratio | 13.7144% | 4,846 |
| Memoranda: | ||
| Average total assets | $776,297,000 | 901 |
| Average earning assets | $726,015,000 | 890 |
| Average equity | $62,920,500 | 1,214 |
| Average total loans | $511,868,500 | 921 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9257% | 4,035 |
| Cost of funding earning assets | 1.2760% | 60 |
| Net interest margin | 2.6496% | 6,011 |
| Noninterest income to average assets | 0.2267% | 5,501 |
| Noninterest expense to average assets | 1.6566% | 6,199 |
| Loan and lease loss provision to assets | 0.1117% | 2,304 |
| Net operating income to assets | 0.6437% | 4,179 |
| Return on assets (ROA) | 0.6786% | 4,110 |
| Pretax return on assets | 0.9874% | 3,552 |
| Return on Equity (ROE) | 8.6600% | 2,754 |
| Retained earnings to average equity (ytd only) | 0.6149% | 5,493 |
| Net charge-offs to loans | 0.1947% | 2,106 |
| Credit loss provision to net charge-offs | 92.1730% | 2,598 |
| Earnings coverage of net charge-offs (x) | 8.6509% | 2,848 |
| Efficiency ratio | 61.2385% | 5,031 |
| Assets per employee ($millions) | 7.0306% | 835 |
| Cash dividends to net income (ytd only)* | 92.8992% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6820% | 6,024 |
| Loan loss allowance to noncurrent loans | 42.0147% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 1.1339% | 2,491 |
| Noncurrent loans to loans | 1.6233% | 1,805 |
| Net loans and leases to total assets | 65.1431% | 3,029 |
| Net loans and leases to deposits | 100.2435% | 610 |
| Net loans and leases to core deposits | 101.6270% | 1,274 |
| Total domestic deposits to total assets | 64.9849% | 6,346 |
| Equity capital to assets | 8.0238% | 6,059 |
| Core capital (leverage) ratio | 7.9582% | 6,028 |
| Tier 1 risk-based capital ratio | 12.9672% | 4,745 |
| Total risk-based capital ratio | 13.7079% | 4,981 |
| Memoranda: | ||
| Average total assets | $801,114,600 | 842 |
| Average earning assets | $749,346,600 | 819 |
| Average equity | $62,771,200 | 1,165 |
| Average total loans | $498,843,200 | 897 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9016% | 4,169 |
| Cost of funding earning assets | 1.2858% | 62 |
| Net interest margin | 2.6158% | 6,114 |
| Noninterest income to average assets | 0.2168% | 5,633 |
| Noninterest expense to average assets | 1.6419% | 6,256 |
| Loan and lease loss provision to assets | 0.1042% | 2,304 |
| Net operating income to assets | 0.6258% | 4,327 |
| Return on assets (ROA) | 0.6714% | 4,187 |
| Pretax return on assets | 0.9844% | 3,653 |
| Return on Equity (ROE) | 8.6184% | 2,894 |
| Retained earnings to average equity (ytd only) | 1.9317% | 5,090 |
| Net charge-offs to loans | 0.2316% | 1,661 |
| Credit loss provision to net charge-offs | 73.1707% | 2,708 |
| Earnings coverage of net charge-offs (x) | 7.1754% | 2,963 |
| Efficiency ratio | 61.6440% | 4,940 |
| Assets per employee ($millions) | 7.1265% | 765 |
| Cash dividends to net income (ytd only)* | 77.5863% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6552% | 6,161 |
| Loan loss allowance to noncurrent loans | 31.6659% | 5,685 |
| Noncurrent assets plus other real estate owned to assets | 1.4012% | 2,204 |
| Noncurrent loans to loans | 2.0691% | 1,517 |
| Net loans and leases to total assets | 63.3735% | 3,286 |
| Net loans and leases to deposits | 98.5572% | 695 |
| Net loans and leases to core deposits | 99.8583% | 1,378 |
| Total domestic deposits to total assets | 64.3012% | 6,431 |
| Equity capital to assets | 7.9110% | 6,176 |
| Core capital (leverage) ratio | 7.9735% | 6,088 |
| Tier 1 risk-based capital ratio | 13.0757% | 4,814 |
| Total risk-based capital ratio | 13.7844% | 5,084 |
| Memoranda: | ||
| Average total assets | $806,293,250 | 844 |
| Average earning assets | $754,161,250 | 813 |
| Average equity | $62,809,500 | 1,172 |
| Average total loans | $495,587,000 | 907 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8932% | 4,160 |
| Cost of funding earning assets | 1.3017% | 57 |
| Net interest margin | 2.5915% | 6,180 |
| Noninterest income to average assets | 0.2121% | 5,683 |
| Noninterest expense to average assets | 1.6502% | 6,314 |
| Loan and lease loss provision to assets | 0.1038% | 2,287 |
| Net operating income to assets | 0.6203% | 4,248 |
| Return on assets (ROA) | 0.6705% | 4,087 |
| Pretax return on assets | 0.9538% | 3,666 |
| Return on Equity (ROE) | 8.6509% | 2,757 |
| Retained earnings to average equity (ytd only) | 2.7497% | 4,450 |
| Net charge-offs to loans | 0.3018% | 1,339 |
| Credit loss provision to net charge-offs | 56.6802% | 2,689 |
| Earnings coverage of net charge-offs (x) | 5.3819% | 2,936 |
| Efficiency ratio | 62.5996% | 4,930 |
| Assets per employee ($millions) | 7.0010% | 799 |
| Cash dividends to net income (ytd only)* | 68.2153% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6523% | 6,244 |
| Loan loss allowance to noncurrent loans | 27.8531% | 5,832 |
| Noncurrent assets plus other real estate owned to assets | 1.4475% | 2,250 |
| Noncurrent loans to loans | 2.3421% | 1,370 |
| Net loans and leases to total assets | 61.4012% | 3,503 |
| Net loans and leases to deposits | 92.1408% | 1,131 |
| Net loans and leases to core deposits | 93.3539% | 1,834 |
| Total domestic deposits to total assets | 66.6384% | 6,462 |
| Equity capital to assets | 7.8365% | 6,238 |
| Core capital (leverage) ratio | 7.9036% | 6,157 |
| Tier 1 risk-based capital ratio | 13.2639% | 4,746 |
| Total risk-based capital ratio | 13.9644% | 5,024 |
| Memoranda: | ||
| Average total assets | $809,002,000 | 840 |
| Average earning assets | $756,703,000 | 812 |
| Average equity | $62,698,330 | 1,163 |
| Average total loans | $491,062,000 | 907 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8559% | 4,267 |
| Cost of funding earning assets | 1.3354% | 54 |
| Net interest margin | 2.5206% | 6,318 |
| Noninterest income to average assets | 0.2008% | 5,753 |
| Noninterest expense to average assets | 1.5863% | 6,444 |
| Loan and lease loss provision to assets | 0.1036% | 2,196 |
| Net operating income to assets | 0.5824% | 4,278 |
| Return on assets (ROA) | 0.6782% | 3,877 |
| Pretax return on assets | 1.0141% | 3,267 |
| Return on Equity (ROE) | 8.7999% | 2,548 |
| Retained earnings to average equity (ytd only) | 3.3599% | 4,111 |
| Net charge-offs to loans | 0.4518% | 804 |
| Credit loss provision to net charge-offs | 38.1125% | 2,316 |
| Earnings coverage of net charge-offs (x) | 3.5862% | 2,658 |
| Efficiency ratio | 61.9414% | 5,127 |
| Assets per employee ($millions) | 7.0061% | 804 |
| Cash dividends to net income (ytd only)* | 61.8182% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6604% | 6,328 |
| Loan loss allowance to noncurrent loans | 29.7794% | 5,857 |
| Noncurrent assets plus other real estate owned to assets | 1.3480% | 2,620 |
| Noncurrent loans to loans | 2.2178% | 1,633 |
| Net loans and leases to total assets | 60.2264% | 3,528 |
| Net loans and leases to deposits | 89.8813% | 1,167 |
| Net loans and leases to core deposits | 91.1237% | 1,815 |
| Total domestic deposits to total assets | 67.0066% | 6,537 |
| Equity capital to assets | 7.7890% | 6,184 |
| Core capital (leverage) ratio | 7.8734% | 6,193 |
| Tier 1 risk-based capital ratio | 13.3289% | 4,808 |
| Total risk-based capital ratio | 14.0323% | 5,070 |
| Memoranda: | ||
| Average total assets | $810,944,000 | 847 |
| Average earning assets | $759,351,000 | 819 |
| Average equity | $62,501,000 | 1,169 |
| Average total loans | $487,794,000 | 913 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9743% | 4,177 |
| Cost of funding earning assets | 1.5820% | 38 |
| Net interest margin | 2.3922% | 6,455 |
| Noninterest income to average assets | 0.2933% | 5,253 |
| Noninterest expense to average assets | 1.5595% | 6,534 |
| Loan and lease loss provision to assets | 0.1088% | 2,981 |
| Net operating income to assets | 0.5975% | 4,271 |
| Return on assets (ROA) | 0.6292% | 4,230 |
| Pretax return on assets | 0.9095% | 3,727 |
| Return on Equity (ROE) | 8.3628% | 2,849 |
| Retained earnings to average equity (ytd only) | 3.0339% | 4,072 |
| Net charge-offs to loans | 0.2996% | 2,191 |
| Credit loss provision to net charge-offs | 60.9085% | 3,536 |
| Earnings coverage of net charge-offs (x) | 5.4418% | 3,300 |
| Efficiency ratio | 61.5941% | 5,275 |
| Assets per employee ($millions) | 7.1596% | 701 |
| Cash dividends to net income (ytd only)* | 63.7217% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7323% | 6,305 |
| Loan loss allowance to noncurrent loans | 24.8416% | 6,076 |
| Noncurrent assets plus other real estate owned to assets | 1.7627% | 2,102 |
| Noncurrent loans to loans | 2.9477% | 1,177 |
| Net loans and leases to total assets | 59.2451% | 3,837 |
| Net loans and leases to deposits | 89.6930% | 1,261 |
| Net loans and leases to core deposits | 90.9784% | 1,910 |
| Total domestic deposits to total assets | 66.0532% | 6,630 |
| Equity capital to assets | 7.6264% | 6,224 |
| Core capital (leverage) ratio | 7.7183% | 6,294 |
| Tier 1 risk-based capital ratio | 13.1569% | 4,881 |
| Total risk-based capital ratio | 13.9291% | 5,136 |
| Memoranda: | ||
| Average total assets | $813,127,200 | 817 |
| Average earning assets | $760,921,600 | 785 |
| Average equity | $61,176,000 | 1,174 |
| Average total loans | $485,025,000 | 877 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0026% | 4,125 |
| Cost of funding earning assets | 1.6057% | 40 |
| Net interest margin | 2.3969% | 6,520 |
| Noninterest income to average assets | 0.3081% | 5,237 |
| Noninterest expense to average assets | 1.5712% | 6,579 |
| Loan and lease loss provision to assets | 0.1042% | 3,022 |
| Net operating income to assets | 0.5938% | 4,383 |
| Return on assets (ROA) | 0.6014% | 4,467 |
| Pretax return on assets | 0.8856% | 3,943 |
| Return on Equity (ROE) | 8.0206% | 3,117 |
| Retained earnings to average equity (ytd only) | 2.5480% | 4,794 |
| Net charge-offs to loans | 0.3921% | 1,636 |
| Credit loss provision to net charge-offs | 44.5614% | 3,623 |
| Earnings coverage of net charge-offs (x) | 4.1846% | 3,515 |
| Efficiency ratio | 61.6182% | 5,187 |
| Assets per employee ($millions) | 7.3216% | 634 |
| Cash dividends to net income (ytd only)* | 68.2315% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6951% | 6,448 |
| Loan loss allowance to noncurrent loans | 30.1759% | 5,990 |
| Noncurrent assets plus other real estate owned to assets | 1.3552% | 2,932 |
| Noncurrent loans to loans | 2.3036% | 1,905 |
| Net loans and leases to total assets | 58.2737% | 3,967 |
| Net loans and leases to deposits | 87.3550% | 1,447 |
| Net loans and leases to core deposits | 88.5106% | 2,129 |
| Total domestic deposits to total assets | 66.7090% | 6,693 |
| Equity capital to assets | 7.5066% | 6,394 |
| Core capital (leverage) ratio | 7.6386% | 6,388 |
| Tier 1 risk-based capital ratio | 13.0830% | 5,069 |
| Total risk-based capital ratio | 13.8124% | 5,365 |
| Memoranda: | ||
| Average total assets | $812,361,250 | 823 |
| Average earning assets | $759,786,000 | 795 |
| Average equity | $60,908,500 | 1,192 |
| Average total loans | $484,501,250 | 878 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0272% | 4,005 |
| Cost of funding earning assets | 1.6322% | 37 |
| Net interest margin | 2.3950% | 6,559 |
| Noninterest income to average assets | 0.3300% | 5,050 |
| Noninterest expense to average assets | 1.5638% | 6,622 |
| Loan and lease loss provision to assets | 0.0976% | 3,162 |
| Net operating income to assets | 0.6031% | 4,262 |
| Return on assets (ROA) | 0.6142% | 4,392 |
| Pretax return on assets | 0.9257% | 3,803 |
| Return on Equity (ROE) | 8.1954% | 2,993 |
| Retained earnings to average equity (ytd only) | 2.2639% | 4,841 |
| Net charge-offs to loans | 0.3287% | 1,875 |
| Credit loss provision to net charge-offs | 49.4987% | 3,221 |
| Earnings coverage of net charge-offs (x) | 5.1065% | 2,965 |
| Efficiency ratio | 60.8437% | 5,355 |
| Assets per employee ($millions) | 7.0029% | 716 |
| Cash dividends to net income (ytd only)* | 72.3764% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7761% | 6,402 |
| Loan loss allowance to noncurrent loans | 32.5996% | 5,925 |
| Noncurrent assets plus other real estate owned to assets | 1.4215% | 2,967 |
| Noncurrent loans to loans | 2.3807% | 1,981 |
| Net loans and leases to total assets | 59.2467% | 3,790 |
| Net loans and leases to deposits | 85.1034% | 1,674 |
| Net loans and leases to core deposits | 86.3196% | 2,304 |
| Total domestic deposits to total assets | 69.6173% | 6,671 |
| Equity capital to assets | 7.5796% | 6,415 |
| Core capital (leverage) ratio | 7.6489% | 6,391 |
| Tier 1 risk-based capital ratio | 13.1755% | 5,012 |
| Total risk-based capital ratio | 13.9998% | 5,261 |
| Memoranda: | ||
| Average total assets | $809,807,000 | 826 |
| Average earning assets | $757,502,330 | 798 |
| Average equity | $60,692,670 | 1,199 |
| Average total loans | $485,600,670 | 870 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0756% | 3,822 |
| Cost of funding earning assets | 1.6694% | 35 |
| Net interest margin | 2.4062% | 6,590 |
| Noninterest income to average assets | 0.3862% | 4,572 |
| Noninterest expense to average assets | 1.5689% | 6,689 |
| Loan and lease loss provision to assets | 0.0911% | 3,141 |
| Net operating income to assets | 0.6325% | 4,067 |
| Return on assets (ROA) | 0.6325% | 4,222 |
| Pretax return on assets | 0.9768% | 3,452 |
| Return on Equity (ROE) | 8.4867% | 2,724 |
| Retained earnings to average equity (ytd only) | 2.5381% | 4,751 |
| Net charge-offs to loans | 0.0016% | 4,135 |
| Credit loss provision to net charge-offs | 9,250.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 1,084.0000% | 17 |
| Efficiency ratio | 59.4993% | 5,658 |
| Assets per employee ($millions) | 7.0453% | 749 |
| Cash dividends to net income (ytd only)* | 70.0935% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8905% | 6,284 |
| Loan loss allowance to noncurrent loans | 36.9565% | 5,729 |
| Noncurrent assets plus other real estate owned to assets | 1.4421% | 3,096 |
| Noncurrent loans to loans | 2.4095% | 2,154 |
| Net loans and leases to total assets | 59.3182% | 3,552 |
| Net loans and leases to deposits | 85.9765% | 1,357 |
| Net loans and leases to core deposits | 87.1647% | 1,996 |
| Total domestic deposits to total assets | 68.9936% | 6,785 |
| Equity capital to assets | 7.4980% | 6,594 |
| Core capital (leverage) ratio | 7.6244% | 6,404 |
| Tier 1 risk-based capital ratio | 13.1493% | 5,108 |
| Total risk-based capital ratio | 14.0912% | 5,293 |
| Memoranda: | ||
| Average total assets | $812,043,500 | 825 |
| Average earning assets | $759,539,000 | 802 |
| Average equity | $60,518,500 | 1,213 |
| Average total loans | $487,968,000 | 869 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3769% | 3,921 |
| Cost of funding earning assets | 1.8787% | 43 |
| Net interest margin | 2.4981% | 6,715 |
| Noninterest income to average assets | 0.2551% | 5,636 |
| Noninterest expense to average assets | 1.5492% | 6,836 |
| Loan and lease loss provision to assets | 0.1129% | 4,227 |
| Net operating income to assets | 0.6736% | 3,864 |
| Return on assets (ROA) | 0.6766% | 4,120 |
| Pretax return on assets | 0.9262% | 3,824 |
| Return on Equity (ROE) | 9.5107% | 2,401 |
| Retained earnings to average equity (ytd only) | 3.4027% | 3,831 |
| Net charge-offs to loans | 0.0710% | 4,969 |
| Credit loss provision to net charge-offs | 260.4457% | 924 |
| Earnings coverage of net charge-offs (x) | 23.8774% | 1,201 |
| Efficiency ratio | 59.9495% | 5,547 |
| Assets per employee ($millions) | 6.8973% | 804 |
| Cash dividends to net income (ytd only)* | 64.2220% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8421% | 6,406 |
| Loan loss allowance to noncurrent loans | 43.7983% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 1.1736% | 3,702 |
| Noncurrent loans to loans | 1.9227% | 2,780 |
| Net loans and leases to total assets | 59.8224% | 3,634 |
| Net loans and leases to deposits | 87.4575% | 1,334 |
| Net loans and leases to core deposits | 88.6696% | 2,010 |
| Total domestic deposits to total assets | 68.4016% | 6,843 |
| Equity capital to assets | 7.4075% | 6,667 |
| Core capital (leverage) ratio | 7.5274% | 6,489 |
| Tier 1 risk-based capital ratio | 13.2953% | 4,900 |
| Total risk-based capital ratio | 14.2123% | 5,074 |
| Memoranda: | ||
| Average total assets | $828,211,600 | 796 |
| Average earning assets | $772,173,800 | 773 |
| Average equity | $58,923,200 | 1,206 |
| Average total loans | $505,601,200 | 819 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4181% | 3,977 |
| Cost of funding earning assets | 1.9132% | 41 |
| Net interest margin | 2.5049% | 6,821 |
| Noninterest income to average assets | 0.2238% | 5,953 |
| Noninterest expense to average assets | 1.5587% | 6,905 |
| Loan and lease loss provision to assets | 0.1090% | 4,209 |
| Net operating income to assets | 0.6621% | 4,080 |
| Return on assets (ROA) | 0.6662% | 4,329 |
| Pretax return on assets | 0.8970% | 4,115 |
| Return on Equity (ROE) | 9.4589% | 2,612 |
| Retained earnings to average equity (ytd only) | 3.1977% | 4,619 |
| Net charge-offs to loans | 0.0542% | 4,895 |
| Credit loss provision to net charge-offs | 328.5024% | 816 |
| Earnings coverage of net charge-offs (x) | 30.1549% | 1,096 |
| Efficiency ratio | 60.9044% | 5,330 |
| Assets per employee ($millions) | 7.0778% | 715 |
| Cash dividends to net income (ytd only)* | 66.1935% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8011% | 6,599 |
| Loan loss allowance to noncurrent loans | 45.6780% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 1.0940% | 4,108 |
| Noncurrent loans to loans | 1.7538% | 3,151 |
| Net loans and leases to total assets | 61.8778% | 3,404 |
| Net loans and leases to deposits | 90.7634% | 1,071 |
| Net loans and leases to core deposits | 92.0829% | 1,772 |
| Total domestic deposits to total assets | 68.1748% | 6,913 |
| Equity capital to assets | 7.3924% | 6,794 |
| Core capital (leverage) ratio | 7.3777% | 6,682 |
| Tier 1 risk-based capital ratio | 13.1209% | 5,151 |
| Total risk-based capital ratio | 14.0150% | 5,389 |
| Memoranda: | ||
| Average total assets | $831,794,250 | 793 |
| Average earning assets | $775,520,000 | 777 |
| Average equity | $58,582,000 | 1,213 |
| Average total loans | $509,247,000 | 820 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4638% | 3,924 |
| Cost of funding earning assets | 1.9555% | 44 |
| Net interest margin | 2.5083% | 6,882 |
| Noninterest income to average assets | 0.2169% | 6,013 |
| Noninterest expense to average assets | 1.5446% | 6,973 |
| Loan and lease loss provision to assets | 0.1214% | 4,006 |
| Net operating income to assets | 0.6709% | 4,013 |
| Return on assets (ROA) | 0.6768% | 4,253 |
| Pretax return on assets | 0.8932% | 4,103 |
| Return on Equity (ROE) | 9.7652% | 2,459 |
| Retained earnings to average equity (ytd only) | 2.3769% | 5,006 |
| Net charge-offs to loans | 0.0790% | 4,356 |
| Credit loss provision to net charge-offs | 252.4752% | 1,138 |
| Earnings coverage of net charge-offs (x) | 20.9356% | 1,365 |
| Efficiency ratio | 60.5393% | 5,492 |
| Assets per employee ($millions) | 7.0252% | 720 |
| Cash dividends to net income (ytd only)* | 75.6595% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7659% | 6,737 |
| Loan loss allowance to noncurrent loans | 52.4410% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 0.8895% | 4,589 |
| Noncurrent loans to loans | 1.4604% | 3,717 |
| Net loans and leases to total assets | 60.4425% | 3,745 |
| Net loans and leases to deposits | 89.3227% | 1,216 |
| Net loans and leases to core deposits | 90.5520% | 1,928 |
| Total domestic deposits to total assets | 67.6676% | 7,008 |
| Equity capital to assets | 7.1014% | 6,890 |
| Core capital (leverage) ratio | 7.1282% | 6,777 |
| Tier 1 risk-based capital ratio | 12.4744% | 5,583 |
| Total risk-based capital ratio | 13.2976% | 5,874 |
| Memoranda: | ||
| Average total assets | $840,101,000 | 791 |
| Average earning assets | $781,888,670 | 768 |
| Average equity | $58,227,000 | 1,218 |
| Average total loans | $511,226,670 | 814 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4541% | 4,096 |
| Cost of funding earning assets | 2.0023% | 45 |
| Net interest margin | 2.4518% | 6,983 |
| Noninterest income to average assets | 0.1887% | 6,249 |
| Noninterest expense to average assets | 1.5415% | 7,022 |
| Loan and lease loss provision to assets | 0.1206% | 3,836 |
| Net operating income to assets | 0.6499% | 4,120 |
| Return on assets (ROA) | 0.6499% | 4,333 |
| Pretax return on assets | 0.8173% | 4,352 |
| Return on Equity (ROE) | 9.4912% | 2,608 |
| Retained earnings to average equity (ytd only) | -2.9427% | 6,388 |
| Net charge-offs to loans | 0.0039% | 4,699 |
| Credit loss provision to net charge-offs | 5,100.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 396.6000% | 70 |
| Efficiency ratio | 62.1709% | 5,248 |
| Assets per employee ($millions) | 7.4642% | 601 |
| Cash dividends to net income (ytd only)* | 131.0044% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7440% | 6,825 |
| Loan loss allowance to noncurrent loans | 44.6385% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 1.0396% | 4,413 |
| Noncurrent loans to loans | 1.6668% | 3,602 |
| Net loans and leases to total assets | 59.7169% | 3,729 |
| Net loans and leases to deposits | 90.5329% | 917 |
| Net loans and leases to core deposits | 91.7224% | 1,681 |
| Total domestic deposits to total assets | 65.9615% | 7,108 |
| Equity capital to assets | 6.7852% | 6,969 |
| Core capital (leverage) ratio | 6.9756% | 6,846 |
| Tier 1 risk-based capital ratio | 12.3129% | 5,747 |
| Total risk-based capital ratio | 13.1331% | 6,027 |
| Memoranda: | ||
| Average total assets | $845,663,500 | 787 |
| Average earning assets | $790,105,500 | 763 |
| Average equity | $57,906,000 | 1,228 |
| Average total loans | $514,379,500 | 807 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6800% | 4,330 |
| Cost of funding earning assets | 2.2594% | 48 |
| Net interest margin | 2.4207% | 7,093 |
| Noninterest income to average assets | 0.3335% | 5,152 |
| Noninterest expense to average assets | 1.4893% | 7,175 |
| Loan and lease loss provision to assets | 0.1468% | 4,777 |
| Net operating income to assets | 0.7159% | 3,413 |
| Return on assets (ROA) | 0.7159% | 3,585 |
| Pretax return on assets | 0.9652% | 3,372 |
| Return on Equity (ROE) | 10.8508% | 1,749 |
| Retained earnings to average equity (ytd only) | 6.5796% | 1,704 |
| Net charge-offs to loans | 0.0643% | 5,657 |
| Credit loss provision to net charge-offs | 378.7879% | 617 |
| Earnings coverage of net charge-offs (x) | 28.6970% | 866 |
| Efficiency ratio | 57.2538% | 6,158 |
| Assets per employee ($millions) | 7.3079% | 627 |
| Cash dividends to net income (ytd only)* | 39.3636% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6886% | 6,921 |
| Loan loss allowance to noncurrent loans | 69.2143% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 0.6502% | 5,355 |
| Noncurrent loans to loans | 0.9950% | 4,716 |
| Net loans and leases to total assets | 61.0714% | 3,765 |
| Net loans and leases to deposits | 95.2274% | 729 |
| Net loans and leases to core deposits | 96.5291% | 1,450 |
| Total domestic deposits to total assets | 64.1321% | 7,174 |
| Equity capital to assets | 6.9104% | 6,982 |
| Core capital (leverage) ratio | 7.0082% | 6,862 |
| Tier 1 risk-based capital ratio | 12.5556% | 5,403 |
| Total risk-based capital ratio | 13.3270% | 5,763 |
| Memoranda: | ||
| Average total assets | $851,662,800 | 764 |
| Average earning assets | $797,880,400 | 739 |
| Average equity | $56,189,200 | 1,211 |
| Average total loans | $512,874,600 | 812 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7070% | 4,428 |
| Cost of funding earning assets | 2.3403% | 43 |
| Net interest margin | 2.3667% | 7,190 |
| Noninterest income to average assets | 0.3639% | 4,956 |
| Noninterest expense to average assets | 1.4873% | 7,231 |
| Loan and lease loss provision to assets | 0.1560% | 4,517 |
| Net operating income to assets | 0.7167% | 3,523 |
| Return on assets (ROA) | 0.7167% | 3,697 |
| Pretax return on assets | 0.9392% | 3,623 |
| Return on Equity (ROE) | 10.9909% | 1,866 |
| Retained earnings to average equity (ytd only) | 6.8032% | 2,078 |
| Net charge-offs to loans | 0.0854% | 5,115 |
| Credit loss provision to net charge-offs | 304.8780% | 930 |
| Earnings coverage of net charge-offs (x) | 21.3995% | 1,183 |
| Efficiency ratio | 57.5917% | 6,071 |
| Assets per employee ($millions) | 7.1920% | 669 |
| Cash dividends to net income (ytd only)* | 38.1015% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6343% | 7,043 |
| Loan loss allowance to noncurrent loans | 98.8653% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.4212% | 6,026 |
| Noncurrent loans to loans | 0.6416% | 5,606 |
| Net loans and leases to total assets | 61.6390% | 3,811 |
| Net loans and leases to deposits | 98.4767% | 553 |
| Net loans and leases to core deposits | 99.9010% | 1,252 |
| Total domestic deposits to total assets | 62.5925% | 7,266 |
| Equity capital to assets | 6.7855% | 7,092 |
| Core capital (leverage) ratio | 6.7676% | 7,017 |
| Tier 1 risk-based capital ratio | 12.2289% | 5,721 |
| Total risk-based capital ratio | 12.9386% | 6,111 |
| Memoranda: | ||
| Average total assets | $854,476,000 | 770 |
| Average earning assets | $801,028,500 | 744 |
| Average equity | $55,717,500 | 1,219 |
| Average total loans | $511,891,000 | 826 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6854% | 4,597 |
| Cost of funding earning assets | 2.3588% | 49 |
| Net interest margin | 2.3266% | 7,270 |
| Noninterest income to average assets | 0.4322% | 4,413 |
| Noninterest expense to average assets | 1.4995% | 7,308 |
| Loan and lease loss provision to assets | 0.0792% | 5,323 |
| Net operating income to assets | 0.7820% | 3,147 |
| Return on assets (ROA) | 0.7820% | 3,275 |
| Pretax return on assets | 1.0356% | 3,096 |
| Return on Equity (ROE) | 12.1540% | 1,451 |
| Retained earnings to average equity (ytd only) | 8.1726% | 1,398 |
| Net charge-offs to loans | 0.1286% | 4,450 |
| Credit loss provision to net charge-offs | 103.9755% | 2,972 |
| Earnings coverage of net charge-offs (x) | 14.6391% | 1,470 |
| Efficiency ratio | 57.3579% | 6,250 |
| Assets per employee ($millions) | 7.8469% | 484 |
| Cash dividends to net income (ytd only)* | 32.7576% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5173% | 7,215 |
| Loan loss allowance to noncurrent loans | 80.6569% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.4183% | 6,099 |
| Noncurrent loans to loans | 0.6414% | 5,640 |
| Net loans and leases to total assets | 59.0854% | 4,449 |
| Net loans and leases to deposits | 94.5879% | 830 |
| Net loans and leases to core deposits | 95.8721% | 1,696 |
| Total domestic deposits to total assets | 62.4661% | 7,343 |
| Equity capital to assets | 6.5478% | 7,175 |
| Core capital (leverage) ratio | 6.6039% | 7,104 |
| Tier 1 risk-based capital ratio | 11.9959% | 5,794 |
| Total risk-based capital ratio | 12.5603% | 6,305 |
| Memoranda: | ||
| Average total assets | $858,814,000 | 771 |
| Average earning assets | $805,482,670 | 752 |
| Average equity | $55,257,670 | 1,216 |
| Average total loans | $508,528,000 | 848 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6375% | 4,794 |
| Cost of funding earning assets | 2.3692% | 54 |
| Net interest margin | 2.2683% | 7,326 |
| Noninterest income to average assets | 0.1826% | 6,417 |
| Noninterest expense to average assets | 1.4928% | 7,364 |
| Loan and lease loss provision to assets | 0.0817% | 4,983 |
| Net operating income to assets | 0.5748% | 4,155 |
| Return on assets (ROA) | 0.5748% | 4,231 |
| Pretax return on assets | 0.7382% | 4,153 |
| Return on Equity (ROE) | 9.0138% | 2,468 |
| Retained earnings to average equity (ytd only) | 6.0922% | 2,583 |
| Net charge-offs to loans | 0.0150% | 4,874 |
| Credit loss provision to net charge-offs | 921.0526% | 409 |
| Earnings coverage of net charge-offs (x) | 92.4211% | 338 |
| Efficiency ratio | 64.5467% | 5,268 |
| Assets per employee ($millions) | 7.6477% | 547 |
| Cash dividends to net income (ytd only)* | 32.4127% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5533% | 7,252 |
| Loan loss allowance to noncurrent loans | 86.1591% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 0.4222% | 6,149 |
| Noncurrent loans to loans | 0.6422% | 5,748 |
| Net loans and leases to total assets | 58.6513% | 4,521 |
| Net loans and leases to deposits | 94.0773% | 814 |
| Net loans and leases to core deposits | 95.4059% | 1,727 |
| Total domestic deposits to total assets | 62.3437% | 7,397 |
| Equity capital to assets | 6.4283% | 7,223 |
| Core capital (leverage) ratio | 6.4461% | 7,179 |
| Tier 1 risk-based capital ratio | 11.7467% | 5,897 |
| Total risk-based capital ratio | 12.3478% | 6,411 |
| Memoranda: | ||
| Average total assets | $856,640,500 | 781 |
| Average earning assets | $804,482,500 | 761 |
| Average equity | $54,627,500 | 1,221 |
| Average total loans | $506,465,000 | 867 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9271% | 4,893 |
| Cost of funding earning assets | 2.6057% | 73 |
| Net interest margin | 2.3213% | 7,357 |
| Noninterest income to average assets | 0.2025% | 6,336 |
| Noninterest expense to average assets | 1.4374% | 7,467 |
| Loan and lease loss provision to assets | 0.0704% | 6,438 |
| Net operating income to assets | 0.6476% | 3,449 |
| Return on assets (ROA) | 0.6476% | 3,604 |
| Pretax return on assets | 0.8731% | 3,398 |
| Return on Equity (ROE) | 10.5126% | 1,760 |
| Retained earnings to average equity (ytd only) | 5.7160% | 1,981 |
| Net charge-offs to loans | 0.0303% | 6,506 |
| Credit loss provision to net charge-offs | 387.0968% | 639 |
| Earnings coverage of net charge-offs (x) | 51.9097% | 450 |
| Efficiency ratio | 60.3743% | 5,991 |
| Assets per employee ($millions) | 8.1594% | 458 |
| Cash dividends to net income (ytd only)* | 45.6274% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5197% | 7,341 |
| Loan loss allowance to noncurrent loans | 85.0741% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.3925% | 6,291 |
| Noncurrent loans to loans | 0.6109% | 5,822 |
| Net loans and leases to total assets | 58.9588% | 4,855 |
| Net loans and leases to deposits | 94.6361% | 997 |
| Net loans and leases to core deposits | 96.0807% | 2,007 |
| Total domestic deposits to total assets | 62.3005% | 7,477 |
| Equity capital to assets | 6.3256% | 7,290 |
| Core capital (leverage) ratio | 6.3260% | 7,237 |
| Tier 1 risk-based capital ratio | 11.5834% | 5,838 |
| Total risk-based capital ratio | 12.1548% | 6,380 |
| Memoranda: | ||
| Average total assets | $852,866,200 | 792 |
| Average earning assets | $800,310,400 | 762 |
| Average equity | $52,536,800 | 1,270 |
| Average total loans | $512,225,000 | 882 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9950% | 4,839 |
| Cost of funding earning assets | 2.6489% | 77 |
| Net interest margin | 2.3461% | 7,462 |
| Noninterest income to average assets | 0.2014% | 6,454 |
| Noninterest expense to average assets | 1.4460% | 7,578 |
| Loan and lease loss provision to assets | 0.0704% | 6,356 |
| Net operating income to assets | 0.6525% | 3,635 |
| Return on assets (ROA) | 0.6525% | 3,804 |
| Pretax return on assets | 0.8862% | 3,600 |
| Return on Equity (ROE) | 10.6644% | 1,886 |
| Retained earnings to average equity (ytd only) | 5.8809% | 2,424 |
| Net charge-offs to loans | 0.0364% | 6,199 |
| Credit loss provision to net charge-offs | 321.4286% | 984 |
| Earnings coverage of net charge-offs (x) | 43.6576% | 640 |
| Efficiency ratio | 60.1850% | 5,919 |
| Assets per employee ($millions) | 7.7934% | 548 |
| Cash dividends to net income (ytd only)* | 44.8548% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4882% | 7,467 |
| Loan loss allowance to noncurrent loans | 109.5363% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 6,650 |
| Noncurrent loans to loans | 0.4457% | 6,299 |
| Net loans and leases to total assets | 59.5408% | 4,995 |
| Net loans and leases to deposits | 96.6976% | 909 |
| Net loans and leases to core deposits | 97.9405% | 2,049 |
| Total domestic deposits to total assets | 61.5742% | 7,569 |
| Equity capital to assets | 6.2259% | 7,461 |
| Core capital (leverage) ratio | 6.1940% | 7,405 |
| Tier 1 risk-based capital ratio | 11.3471% | 6,056 |
| Total risk-based capital ratio | 11.8799% | 6,675 |
| Memoranda: | ||
| Average total assets | $851,897,500 | 792 |
| Average earning assets | $799,261,750 | 761 |
| Average equity | $52,122,500 | 1,285 |
| Average total loans | $513,340,500 | 882 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0172% | 4,865 |
| Cost of funding earning assets | 2.6866% | 97 |
| Net interest margin | 2.3306% | 7,519 |
| Noninterest income to average assets | 0.1976% | 6,491 |
| Noninterest expense to average assets | 1.4523% | 7,635 |
| Loan and lease loss provision to assets | 0.0706% | 6,247 |
| Net operating income to assets | 0.6409% | 3,674 |
| Return on assets (ROA) | 0.6409% | 3,822 |
| Pretax return on assets | 0.8615% | 3,652 |
| Return on Equity (ROE) | 10.5366% | 1,914 |
| Retained earnings to average equity (ytd only) | 5.8175% | 2,436 |
| Net charge-offs to loans | 0.0222% | 6,028 |
| Credit loss provision to net charge-offs | 526.3158% | 702 |
| Earnings coverage of net charge-offs (x) | 69.5088% | 451 |
| Efficiency ratio | 60.9077% | 5,875 |
| Assets per employee ($millions) | 7.7428% | 558 |
| Cash dividends to net income (ytd only)* | 44.7871% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4701% | 7,541 |
| Loan loss allowance to noncurrent loans | 118.3584% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.2374% | 6,805 |
| Noncurrent loans to loans | 0.3972% | 6,448 |
| Net loans and leases to total assets | 59.4973% | 5,157 |
| Net loans and leases to deposits | 98.4241% | 834 |
| Net loans and leases to core deposits | 99.9717% | 2,018 |
| Total domestic deposits to total assets | 60.4499% | 7,652 |
| Equity capital to assets | 6.0559% | 7,531 |
| Core capital (leverage) ratio | 6.1328% | 7,460 |
| Tier 1 risk-based capital ratio | 11.2116% | 6,028 |
| Total risk-based capital ratio | 11.7321% | 6,683 |
| Memoranda: | ||
| Average total assets | $850,106,670 | 796 |
| Average earning assets | $797,661,000 | 765 |
| Average equity | $51,705,670 | 1,288 |
| Average total loans | $513,477,670 | 888 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0689% | 4,681 |
| Cost of funding earning assets | 2.7493% | 104 |
| Net interest margin | 2.3196% | 7,585 |
| Noninterest income to average assets | 0.1873% | 6,619 |
| Noninterest expense to average assets | 1.4725% | 7,730 |
| Loan and lease loss provision to assets | 0.0713% | 5,923 |
| Net operating income to assets | 0.6112% | 3,849 |
| Return on assets (ROA) | 0.6112% | 3,996 |
| Pretax return on assets | 0.8190% | 3,792 |
| Return on Equity (ROE) | 10.0272% | 2,094 |
| Retained earnings to average equity (ytd only) | 5.3567% | 2,959 |
| Net charge-offs to loans | 0.0110% | 5,433 |
| Credit loss provision to net charge-offs | 1,071.4286% | 438 |
| Earnings coverage of net charge-offs (x) | 133.7857% | 245 |
| Efficiency ratio | 62.3215% | 5,773 |
| Assets per employee ($millions) | 7.6651% | 597 |
| Cash dividends to net income (ytd only)* | 46.5785% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4520% | 7,639 |
| Loan loss allowance to noncurrent loans | 119.0598% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.2321% | 6,876 |
| Noncurrent loans to loans | 0.3796% | 6,522 |
| Net loans and leases to total assets | 60.8676% | 4,960 |
| Net loans and leases to deposits | 103.5309% | 556 |
| Net loans and leases to core deposits | 105.2542% | 1,638 |
| Total domestic deposits to total assets | 58.7917% | 7,773 |
| Equity capital to assets | 6.1310% | 7,606 |
| Core capital (leverage) ratio | 6.1822% | 7,550 |
| Tier 1 risk-based capital ratio | 11.1252% | 6,031 |
| Total risk-based capital ratio | 11.6296% | 6,730 |
| Memoranda: | ||
| Average total assets | $841,563,500 | 821 |
| Average earning assets | $789,279,000 | 785 |
| Average equity | $51,300,500 | 1,305 |
| Average total loans | $511,020,000 | 915 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2793% | 5,288 |
| Cost of funding earning assets | 3.1107% | 164 |
| Net interest margin | 2.1686% | 7,660 |
| Noninterest income to average assets | 0.2071% | 6,625 |
| Noninterest expense to average assets | 1.3745% | 7,850 |
| Loan and lease loss provision to assets | 0.0544% | 7,021 |
| Net operating income to assets | 0.6496% | 3,136 |
| Return on assets (ROA) | 0.6063% | 3,374 |
| Pretax return on assets | 0.7652% | 3,359 |
| Return on Equity (ROE) | 10.1218% | 1,656 |
| Retained earnings to average equity (ytd only) | 5.2144% | 1,710 |
| Net charge-offs to loans | 0.0716% | 6,398 |
| Credit loss provision to net charge-offs | 127.4788% | 4,063 |
| Earnings coverage of net charge-offs (x) | 20.4816% | 1,037 |
| Efficiency ratio | 61.1144% | 6,316 |
| Assets per employee ($millions) | 8.2350% | 461 |
| Cash dividends to net income (ytd only)* | 48.4836% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4332% | 7,727 |
| Loan loss allowance to noncurrent loans | 96.1437% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.2717% | 6,773 |
| Noncurrent loans to loans | 0.4505% | 6,370 |
| Net loans and leases to total assets | 60.0386% | 5,331 |
| Net loans and leases to deposits | 102.9974% | 695 |
| Net loans and leases to core deposits | 119.1345% | 2,017 |
| Total domestic deposits to total assets | 58.2914% | 7,827 |
| Equity capital to assets | 6.0606% | 7,656 |
| Core capital (leverage) ratio | 6.1103% | 7,609 |
| Tier 1 risk-based capital ratio | 11.0663% | 5,857 |
| Total risk-based capital ratio | 11.5435% | 6,563 |
| Memoranda: | ||
| Average total assets | $826,713,600 | 825 |
| Average earning assets | $778,411,600 | 791 |
| Average equity | $49,516,800 | 1,360 |
| Average total loans | $493,267,800 | 979 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2875% | 5,499 |
| Cost of funding earning assets | 3.1521% | 216 |
| Net interest margin | 2.1354% | 7,744 |
| Noninterest income to average assets | 0.2076% | 6,740 |
| Noninterest expense to average assets | 1.3647% | 7,936 |
| Loan and lease loss provision to assets | 0.0486% | 6,884 |
| Net operating income to assets | 0.6537% | 3,388 |
| Return on assets (ROA) | 0.5941% | 3,685 |
| Pretax return on assets | 0.7332% | 3,751 |
| Return on Equity (ROE) | 9.9491% | 1,928 |
| Retained earnings to average equity (ytd only) | 5.1223% | 2,415 |
| Net charge-offs to loans | 0.0827% | 5,854 |
| Credit loss provision to net charge-offs | 98.6842% | 5,186 |
| Earnings coverage of net charge-offs (x) | 17.3751% | 1,410 |
| Efficiency ratio | 61.4734% | 6,199 |
| Assets per employee ($millions) | 8.3012% | 459 |
| Cash dividends to net income (ytd only)* | 48.5145% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4174% | 7,809 |
| Loan loss allowance to noncurrent loans | 109.7535% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.3197% | 6,687 |
| Noncurrent loans to loans | 0.3803% | 6,589 |
| Net loans and leases to total assets | 60.1537% | 5,557 |
| Net loans and leases to deposits | 106.7327% | 621 |
| Net loans and leases to core deposits | 123.7808% | 1,922 |
| Total domestic deposits to total assets | 56.3592% | 7,921 |
| Equity capital to assets | 6.0445% | 7,854 |
| Core capital (leverage) ratio | 6.0620% | 7,790 |
| Tier 1 risk-based capital ratio | 11.2637% | 5,669 |
| Total risk-based capital ratio | 11.7338% | 6,438 |
| Memoranda: | ||
| Average total assets | $823,399,250 | 835 |
| Average earning assets | $775,971,250 | 808 |
| Average equity | $49,169,250 | 1,389 |
| Average total loans | $489,959,500 | 999 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3133% | 5,596 |
| Cost of funding earning assets | 3.1702% | 290 |
| Net interest margin | 2.1431% | 7,785 |
| Noninterest income to average assets | 0.1987% | 6,870 |
| Noninterest expense to average assets | 1.3883% | 8,017 |
| Loan and lease loss provision to assets | 0.0463% | 6,767 |
| Net operating income to assets | 0.6432% | 3,492 |
| Return on assets (ROA) | 0.5553% | 3,976 |
| Pretax return on assets | 0.6781% | 4,077 |
| Return on Equity (ROE) | 9.3379% | 2,240 |
| Retained earnings to average equity (ytd only) | 4.8328% | 2,606 |
| Net charge-offs to loans | 0.0062% | 6,516 |
| Credit loss provision to net charge-offs | 1,266.6667% | 390 |
| Earnings coverage of net charge-offs (x) | 227.6000% | 184 |
| Efficiency ratio | 62.5411% | 6,160 |
| Assets per employee ($millions) | 8.0119% | 493 |
| Cash dividends to net income (ytd only)* | 48.2456% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4672% | 7,824 |
| Loan loss allowance to noncurrent loans | 94.3130% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.3606% | 6,554 |
| Noncurrent loans to loans | 0.4954% | 6,287 |
| Net loans and leases to total assets | 58.6515% | 5,882 |
| Net loans and leases to deposits | 106.0686% | 763 |
| Net loans and leases to core deposits | 123.2233% | 2,095 |
| Total domestic deposits to total assets | 55.2959% | 8,016 |
| Equity capital to assets | 5.9896% | 7,932 |
| Core capital (leverage) ratio | 6.0410% | 7,917 |
| Tier 1 risk-based capital ratio | 11.3071% | 5,587 |
| Total risk-based capital ratio | 11.8274% | 6,257 |
| Memoranda: | ||
| Average total assets | $821,159,000 | 854 |
| Average earning assets | $774,393,330 | 827 |
| Average equity | $48,833,330 | 1,410 |
| Average total loans | $486,132,330 | 1,029 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4566% | 5,135 |
| Cost of funding earning assets | 3.1820% | 363 |
| Net interest margin | 2.2746% | 7,739 |
| Noninterest income to average assets | 0.2051% | 6,822 |
| Noninterest expense to average assets | 1.3209% | 8,070 |
| Loan and lease loss provision to assets | 0.0488% | 6,358 |
| Net operating income to assets | 0.8207% | 3,041 |
| Return on assets (ROA) | 0.6402% | 4,022 |
| Pretax return on assets | 0.7662% | 4,203 |
| Return on Equity (ROE) | 10.8044% | 2,028 |
| Retained earnings to average equity (ytd only) | 6.6837% | 2,336 |
| Net charge-offs to loans | 0.0041% | 5,661 |
| Credit loss provision to net charge-offs | 2,000.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 421.8000% | 81 |
| Efficiency ratio | 56.1903% | 6,951 |
| Assets per employee ($millions) | 8.0579% | 497 |
| Cash dividends to net income (ytd only)* | 38.1388% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4508% | 7,892 |
| Loan loss allowance to noncurrent loans | 102.7661% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.2621% | 6,721 |
| Noncurrent loans to loans | 0.4387% | 6,328 |
| Net loans and leases to total assets | 59.4753% | 5,739 |
| Net loans and leases to deposits | 109.0299% | 668 |
| Net loans and leases to core deposits | 126.6075% | 1,880 |
| Total domestic deposits to total assets | 54.5496% | 8,064 |
| Equity capital to assets | 6.0234% | 7,993 |
| Core capital (leverage) ratio | 5.9751% | 8,008 |
| Tier 1 risk-based capital ratio | 11.3903% | 5,516 |
| Total risk-based capital ratio | 11.9001% | 6,152 |
| Memoranda: | ||
| Average total assets | $819,123,500 | 862 |
| Average earning assets | $772,716,500 | 829 |
| Average equity | $48,536,000 | 1,420 |
| Average total loans | $486,057,500 | 1,041 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6497% | 6,934 |
| Cost of funding earning assets | 3.6225% | 352 |
| Net interest margin | 2.0272% | 8,048 |
| Noninterest income to average assets | 0.1969% | 7,043 |
| Noninterest expense to average assets | 1.2288% | 8,153 |
| Loan and lease loss provision to assets | 0.0227% | 7,113 |
| Net operating income to assets | 0.6753% | 4,004 |
| Return on assets (ROA) | 0.6583% | 3,919 |
| Pretax return on assets | 0.8393% | 3,932 |
| Return on Equity (ROE) | 11.4973% | 1,755 |
| Retained earnings to average equity (ytd only) | 1.3703% | 4,396 |
| Net charge-offs to loans | 0.0026% | 6,980 |
| Credit loss provision to net charge-offs | 1,541.6667% | 284 |
| Earnings coverage of net charge-offs (x) | 600.8333% | 94 |
| Efficiency ratio | 58.1641% | 6,668 |
| Assets per employee ($millions) | 8.8645% | 361 |
| Cash dividends to net income (ytd only)* | 88.0819% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4316% | 7,944 |
| Loan loss allowance to noncurrent loans | 166.6932% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 6,960 |
| Noncurrent loans to loans | 0.2589% | 6,604 |
| Net loans and leases to total assets | 58.6836% | 6,106 |
| Net loans and leases to deposits | 114.2278% | 604 |
| Net loans and leases to core deposits | 132.1294% | 1,711 |
| Total domestic deposits to total assets | 51.3742% | 8,114 |
| Equity capital to assets | 5.8286% | 8,088 |
| Core capital (leverage) ratio | 5.8243% | 8,127 |
| Tier 1 risk-based capital ratio | 11.1065% | 5,637 |
| Total risk-based capital ratio | 11.5919% | 6,248 |
| Memoranda: | ||
| Average total assets | $815,775,600 | 834 |
| Average earning assets | $770,905,600 | 802 |
| Average equity | $46,706,600 | 1,461 |
| Average total loans | $459,634,000 | 1,054 |