Home > Investors Community Bank > Performance and Condition Ratios
Investors Community Bank, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0521% | 1,420 |
| Cost of funding earning assets | 0.6148% | 593 |
| Net interest margin | 3.4374% | 2,051 |
| Noninterest income to average assets | 1.0350% | 1,009 |
| Noninterest expense to average assets | 2.3608% | 2,561 |
| Loan and lease loss provision to assets | -0.4146% | 4,864 |
| Net operating income to assets | 1.7348% | 764 |
| Return on assets (ROA) | 1.6329% | 1,002 |
| Pretax return on assets | 2.1821% | 567 |
| Return on Equity (ROE) | 11.8961% | 2,083 |
| Retained earnings to average equity (ytd only) | 3.4229% | 3,760 |
| Net charge-offs to loans | -0.0752% | 4,511 |
| Credit loss provision to net charge-offs | 810.7639% | 585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4534% | 3,596 |
| Assets per employee ($millions) | 8.8312% | 946 |
| Cash dividends to net income (ytd only)* | 71.2266% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0545% | 3,643 |
| Loan loss allowance to noncurrent loans | 38.4160% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 1.8746% | 217 |
| Noncurrent loans to loans | 2.7450% | 253 |
| Net loans and leases to total assets | 65.4277% | 1,606 |
| Net loans and leases to deposits | 82.5475% | 1,061 |
| Net loans and leases to core deposits | 101.3705% | 543 |
| Total domestic deposits to total assets | 79.2608% | 4,322 |
| Equity capital to assets | 13.4828% | 856 |
| Core capital (leverage) ratio | 13.3663% | 758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1816% | 1,576 |
| Memoranda: | ||
| Average total assets | $1,501,786,750 | 691 |
| Average earning assets | $1,407,783,750 | 681 |
| Average equity | $206,135,000 | 527 |
| Average total loans | $1,020,876,250 | 657 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1287% | 1,294 |
| Cost of funding earning assets | 0.6540% | 558 |
| Net interest margin | 3.4748% | 1,932 |
| Noninterest income to average assets | 1.1356% | 880 |
| Noninterest expense to average assets | 2.4047% | 2,448 |
| Loan and lease loss provision to assets | -0.5417% | 4,913 |
| Net operating income to assets | 1.9133% | 571 |
| Return on assets (ROA) | 1.7593% | 825 |
| Pretax return on assets | 2.3380% | 456 |
| Return on Equity (ROE) | 12.7394% | 1,811 |
| Retained earnings to average equity (ytd only) | 5.8391% | 2,878 |
| Net charge-offs to loans | -0.1357% | 4,706 |
| Credit loss provision to net charge-offs | 581.5562% | 637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7017% | 3,714 |
| Assets per employee ($millions) | 8.7496% | 933 |
| Cash dividends to net income (ytd only)* | 54.1654% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 3,306 |
| Loan loss allowance to noncurrent loans | 38.1298% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 2.0470% | 207 |
| Noncurrent loans to loans | 2.9548% | 249 |
| Net loans and leases to total assets | 66.4756% | 1,635 |
| Net loans and leases to deposits | 86.3004% | 899 |
| Net loans and leases to core deposits | 106.8312% | 444 |
| Total domestic deposits to total assets | 77.0281% | 4,513 |
| Equity capital to assets | 13.8349% | 749 |
| Core capital (leverage) ratio | 13.9429% | 635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5792% | 1,450 |
| Memoranda: | ||
| Average total assets | $1,490,173,000 | 689 |
| Average earning assets | $1,398,246,667 | 683 |
| Average equity | $205,786,667 | 524 |
| Average total loans | $1,022,469,667 | 661 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0204% | 1,569 |
| Cost of funding earning assets | 0.7158% | 516 |
| Net interest margin | 3.3046% | 2,379 |
| Noninterest income to average assets | 0.9986% | 1,131 |
| Noninterest expense to average assets | 2.3374% | 2,682 |
| Loan and lease loss provision to assets | 0.0655% | 1,835 |
| Net operating income to assets | 1.3174% | 1,769 |
| Return on assets (ROA) | 1.3174% | 1,856 |
| Pretax return on assets | 1.6972% | 1,497 |
| Return on Equity (ROE) | 9.5484% | 2,840 |
| Retained earnings to average equity (ytd only) | 6.3126% | 2,792 |
| Net charge-offs to loans | -0.0125% | 3,768 |
| Credit loss provision to net charge-offs | -756.2500% | 3,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0081% | 3,427 |
| Assets per employee ($millions) | 8.6006% | 953 |
| Cash dividends to net income (ytd only)* | 33.8879% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4823% | 1,668 |
| Loan loss allowance to noncurrent loans | 34.2983% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 3.0050% | 96 |
| Noncurrent loans to loans | 4.3219% | 117 |
| Net loans and leases to total assets | 67.3678% | 1,615 |
| Net loans and leases to deposits | 88.8686% | 775 |
| Net loans and leases to core deposits | 111.4150% | 374 |
| Total domestic deposits to total assets | 75.8061% | 4,590 |
| Equity capital to assets | 13.5896% | 772 |
| Core capital (leverage) ratio | 13.8813% | 672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6780% | 1,389 |
| Memoranda: | ||
| Average total assets | $1,478,418,500 | 689 |
| Average earning assets | $1,387,521,500 | 678 |
| Average equity | $203,972,000 | 522 |
| Average total loans | $1,024,857,000 | 659 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1762% | 2,215 |
| Cost of funding earning assets | 1.1146% | 379 |
| Net interest margin | 3.0616% | 3,725 |
| Noninterest income to average assets | 0.8336% | 1,445 |
| Noninterest expense to average assets | 2.2735% | 3,480 |
| Loan and lease loss provision to assets | 0.2075% | 1,905 |
| Net operating income to assets | 0.9348% | 2,542 |
| Return on assets (ROA) | 0.9717% | 2,539 |
| Pretax return on assets | 1.2837% | 2,035 |
| Return on Equity (ROE) | 6.8783% | 3,255 |
| Retained earnings to average equity (ytd only) | -3.9529% | 4,810 |
| Net charge-offs to loans | 0.3265% | 542 |
| Credit loss provision to net charge-offs | 86.6434% | 2,954 |
| Earnings coverage of net charge-offs (x) | 6.0311% | 2,814 |
| Efficiency ratio | 61.1467% | 3,280 |
| Assets per employee ($millions) | 8.4421% | 903 |
| Cash dividends to net income (ytd only)* | 157.4690% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4345% | 1,832 |
| Loan loss allowance to noncurrent loans | 35.5756% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 2.9069% | 132 |
| Noncurrent loans to loans | 4.0323% | 138 |
| Net loans and leases to total assets | 69.2650% | 1,653 |
| Net loans and leases to deposits | 94.8981% | 608 |
| Net loans and leases to core deposits | 111.9542% | 458 |
| Total domestic deposits to total assets | 72.9888% | 4,679 |
| Equity capital to assets | 14.0063% | 796 |
| Core capital (leverage) ratio | 14.0636% | 678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8306% | 1,302 |
| Memoranda: | ||
| Average total assets | $1,437,846,800 | 638 |
| Average earning assets | $1,354,646,000 | 621 |
| Average equity | $203,118,000 | 497 |
| Average total loans | $1,054,979,800 | 605 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1089% | 2,650 |
| Cost of funding earning assets | 1.2006% | 375 |
| Net interest margin | 2.9083% | 4,169 |
| Noninterest income to average assets | 0.6965% | 1,812 |
| Noninterest expense to average assets | 2.1551% | 3,800 |
| Loan and lease loss provision to assets | 0.3206% | 1,235 |
| Net operating income to assets | 0.7401% | 3,319 |
| Return on assets (ROA) | 0.7895% | 3,248 |
| Pretax return on assets | 1.0266% | 2,972 |
| Return on Equity (ROE) | 5.5766% | 3,696 |
| Retained earnings to average equity (ytd only) | -8.9114% | 4,915 |
| Net charge-offs to loans | 0.0072% | 2,864 |
| Credit loss provision to net charge-offs | 6,033.3333% | 189 |
| Earnings coverage of net charge-offs (x) | 241.7368% | 427 |
| Efficiency ratio | 62.6525% | 2,962 |
| Assets per employee ($millions) | 8.6547% | 789 |
| Cash dividends to net income (ytd only)* | 259.8016% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7291% | 840 |
| Loan loss allowance to noncurrent loans | 45.0982% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 2.9837% | 155 |
| Noncurrent loans to loans | 3.8341% | 175 |
| Net loans and leases to total assets | 71.1986% | 1,788 |
| Net loans and leases to deposits | 97.5767% | 652 |
| Net loans and leases to core deposits | 117.9411% | 456 |
| Total domestic deposits to total assets | 72.9668% | 4,637 |
| Equity capital to assets | 13.4361% | 1,018 |
| Core capital (leverage) ratio | 13.6086% | 810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2493% | 1,200 |
| Memoranda: | ||
| Average total assets | $1,430,076,250 | 625 |
| Average earning assets | $1,348,865,750 | 608 |
| Average equity | $202,461,750 | 492 |
| Average total loans | $1,060,659,500 | 593 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2427% | 2,626 |
| Cost of funding earning assets | 1.3045% | 355 |
| Net interest margin | 2.9382% | 4,248 |
| Noninterest income to average assets | 0.5552% | 2,328 |
| Noninterest expense to average assets | 2.2139% | 3,737 |
| Loan and lease loss provision to assets | 0.4764% | 783 |
| Net operating income to assets | 0.5109% | 3,986 |
| Return on assets (ROA) | 0.5755% | 3,892 |
| Pretax return on assets | 0.7182% | 3,830 |
| Return on Equity (ROE) | 3.9935% | 4,109 |
| Retained earnings to average equity (ytd only) | -11.7484% | 4,942 |
| Net charge-offs to loans | 0.0110% | 2,557 |
| Credit loss provision to net charge-offs | 5,793.1034% | 205 |
| Earnings coverage of net charge-offs (x) | 135.4310% | 568 |
| Efficiency ratio | 66.5303% | 2,440 |
| Assets per employee ($millions) | 9.1535% | 653 |
| Cash dividends to net income (ytd only)* | 394.1858% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6891% | 832 |
| Loan loss allowance to noncurrent loans | 52.3720% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 2.5216% | 222 |
| Noncurrent loans to loans | 3.2251% | 273 |
| Net loans and leases to total assets | 71.5610% | 1,791 |
| Net loans and leases to deposits | 98.2671% | 639 |
| Net loans and leases to core deposits | 123.1037% | 362 |
| Total domestic deposits to total assets | 72.8229% | 4,661 |
| Equity capital to assets | 13.3420% | 1,022 |
| Core capital (leverage) ratio | 13.8839% | 777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8763% | 1,079 |
| Memoranda: | ||
| Average total assets | $1,410,564,000 | 619 |
| Average earning assets | $1,330,947,333 | 600 |
| Average equity | $203,278,667 | 492 |
| Average total loans | $1,054,706,000 | 588 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4524% | 2,439 |
| Cost of funding earning assets | 1.4359% | 337 |
| Net interest margin | 3.0165% | 4,256 |
| Noninterest income to average assets | 0.2931% | 3,771 |
| Noninterest expense to average assets | 2.3879% | 3,555 |
| Loan and lease loss provision to assets | 0.6520% | 408 |
| Net operating income to assets | 0.1605% | 4,587 |
| Return on assets (ROA) | 0.1605% | 4,589 |
| Pretax return on assets | 0.0982% | 4,663 |
| Return on Equity (ROE) | 1.0697% | 4,621 |
| Retained earnings to average equity (ytd only) | -10.6855% | 4,788 |
| Net charge-offs to loans | -0.0240% | 4,398 |
| Credit loss provision to net charge-offs | -3,577.4194% | 3,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0937% | 1,554 |
| Assets per employee ($millions) | 8.2377% | 678 |
| Cash dividends to net income (ytd only)* | 1,098.9011% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7089% | 867 |
| Loan loss allowance to noncurrent loans | 54.7471% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 2.6127% | 256 |
| Noncurrent loans to loans | 3.1214% | 332 |
| Net loans and leases to total assets | 74.7069% | 1,505 |
| Net loans and leases to deposits | 98.6092% | 650 |
| Net loans and leases to core deposits | 129.7246% | 273 |
| Total domestic deposits to total assets | 75.7605% | 4,508 |
| Equity capital to assets | 15.1067% | 739 |
| Core capital (leverage) ratio | 14.8529% | 708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9539% | 1,153 |
| Memoranda: | ||
| Average total assets | $1,360,685,000 | 617 |
| Average earning assets | $1,283,351,000 | 600 |
| Average equity | $204,164,500 | 486 |
| Average total loans | $1,032,374,000 | 582 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8510% | 1,894 |
| Cost of funding earning assets | 1.6616% | 229 |
| Net interest margin | 3.1894% | 4,206 |
| Noninterest income to average assets | 0.8624% | 1,265 |
| Noninterest expense to average assets | 2.1574% | 4,250 |
| Loan and lease loss provision to assets | 0.0292% | 3,430 |
| Net operating income to assets | 1.3162% | 1,630 |
| Return on assets (ROA) | 1.3348% | 1,644 |
| Pretax return on assets | 1.7279% | 1,111 |
| Return on Equity (ROE) | 9.8891% | 2,345 |
| Retained earnings to average equity (ytd only) | 6.8244% | 1,469 |
| Net charge-offs to loans | 0.1464% | 1,345 |
| Credit loss provision to net charge-offs | 25.4666% | 3,299 |
| Earnings coverage of net charge-offs (x) | 15.1379% | 2,246 |
| Efficiency ratio | 55.4477% | 4,274 |
| Assets per employee ($millions) | 8.5649% | 578 |
| Cash dividends to net income (ytd only)* | 30.9901% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4709% | 1,301 |
| Loan loss allowance to noncurrent loans | 49.2993% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 2.6627% | 227 |
| Noncurrent loans to loans | 2.9836% | 317 |
| Net loans and leases to total assets | 74.6254% | 1,645 |
| Net loans and leases to deposits | 92.4262% | 1,321 |
| Net loans and leases to core deposits | 119.4817% | 491 |
| Total domestic deposits to total assets | 80.7405% | 3,822 |
| Equity capital to assets | 14.9038% | 819 |
| Core capital (leverage) ratio | 14.6818% | 749 |
| Tier 1 risk-based capital ratio | 17.4489% | 1,910 |
| Total risk-based capital ratio | 18.6999% | 1,866 |
| Memoranda: | ||
| Average total assets | $1,450,465,800 | 567 |
| Average earning assets | $1,377,303,600 | 550 |
| Average equity | $195,781,600 | 484 |
| Average total loans | $1,134,824,000 | 515 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9151% | 1,772 |
| Cost of funding earning assets | 1.7052% | 198 |
| Net interest margin | 3.2098% | 4,274 |
| Noninterest income to average assets | 0.8230% | 1,349 |
| Noninterest expense to average assets | 1.9540% | 4,640 |
| Loan and lease loss provision to assets | 0.0430% | 3,042 |
| Net operating income to assets | 1.3656% | 1,591 |
| Return on assets (ROA) | 1.3901% | 1,569 |
| Pretax return on assets | 1.9060% | 853 |
| Return on Equity (ROE) | 10.5546% | 2,189 |
| Retained earnings to average equity (ytd only) | 7.4566% | 1,647 |
| Net charge-offs to loans | 0.2202% | 804 |
| Credit loss provision to net charge-offs | 24.7649% | 2,939 |
| Earnings coverage of net charge-offs (x) | 11.0522% | 2,458 |
| Efficiency ratio | 50.4648% | 4,713 |
| Assets per employee ($millions) | 8.9605% | 491 |
| Cash dividends to net income (ytd only)* | 29.3523% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 1,623 |
| Loan loss allowance to noncurrent loans | 72.5116% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 1.9923% | 441 |
| Noncurrent loans to loans | 1.9149% | 730 |
| Net loans and leases to total assets | 76.0519% | 1,471 |
| Net loans and leases to deposits | 93.2005% | 1,298 |
| Net loans and leases to core deposits | 124.6838% | 399 |
| Total domestic deposits to total assets | 81.6004% | 3,586 |
| Equity capital to assets | 14.3565% | 1,019 |
| Core capital (leverage) ratio | 13.7810% | 1,043 |
| Tier 1 risk-based capital ratio | 16.6032% | 2,225 |
| Total risk-based capital ratio | 17.8533% | 2,159 |
| Memoranda: | ||
| Average total assets | $1,470,485,500 | 562 |
| Average earning assets | $1,396,832,750 | 545 |
| Average equity | $193,667,000 | 489 |
| Average total loans | $1,159,049,000 | 510 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8886% | 1,781 |
| Cost of funding earning assets | 1.6970% | 185 |
| Net interest margin | 3.1916% | 4,387 |
| Noninterest income to average assets | 0.6921% | 1,746 |
| Noninterest expense to average assets | 1.9095% | 4,734 |
| Loan and lease loss provision to assets | 0.2183% | 762 |
| Net operating income to assets | 1.1612% | 2,287 |
| Return on assets (ROA) | 1.1973% | 2,219 |
| Pretax return on assets | 1.6437% | 1,420 |
| Return on Equity (ROE) | 9.3557% | 2,703 |
| Retained earnings to average equity (ytd only) | 6.2127% | 2,184 |
| Net charge-offs to loans | 0.3168% | 544 |
| Credit loss provision to net charge-offs | 86.8267% | 2,164 |
| Earnings coverage of net charge-offs (x) | 7.2251% | 2,504 |
| Efficiency ratio | 51.2505% | 4,706 |
| Assets per employee ($millions) | 9.5907% | 380 |
| Cash dividends to net income (ytd only)* | 33.5946% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4073% | 1,581 |
| Loan loss allowance to noncurrent loans | 80.8976% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 1.9086% | 503 |
| Noncurrent loans to loans | 1.7396% | 869 |
| Net loans and leases to total assets | 77.1186% | 1,372 |
| Net loans and leases to deposits | 94.1758% | 1,242 |
| Net loans and leases to core deposits | 130.6722% | 313 |
| Total domestic deposits to total assets | 81.8879% | 3,547 |
| Equity capital to assets | 13.2729% | 1,451 |
| Core capital (leverage) ratio | 13.1162% | 1,248 |
| Tier 1 risk-based capital ratio | 15.3678% | 2,669 |
| Total risk-based capital ratio | 16.6184% | 2,605 |
| Memoranda: | ||
| Average total assets | $1,491,716,000 | 554 |
| Average earning assets | $1,417,902,000 | 537 |
| Average equity | $190,900,670 | 489 |
| Average total loans | $1,183,745,670 | 500 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8318% | 1,812 |
| Cost of funding earning assets | 1.6589% | 188 |
| Net interest margin | 3.1730% | 4,446 |
| Noninterest income to average assets | 0.7034% | 1,602 |
| Noninterest expense to average assets | 1.8569% | 4,857 |
| Loan and lease loss provision to assets | 0.2007% | 796 |
| Net operating income to assets | 1.1943% | 2,079 |
| Return on assets (ROA) | 1.1943% | 2,129 |
| Pretax return on assets | 1.6631% | 1,303 |
| Return on Equity (ROE) | 9.5066% | 2,585 |
| Retained earnings to average equity (ytd only) | 6.3207% | 2,311 |
| Net charge-offs to loans | -0.0788% | 4,964 |
| Credit loss provision to net charge-offs | -318.6441% | 3,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9068% | 4,834 |
| Assets per employee ($millions) | 9.5751% | 390 |
| Cash dividends to net income (ytd only)* | 33.5121% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4753% | 1,409 |
| Loan loss allowance to noncurrent loans | 67.5927% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 2.0820% | 448 |
| Noncurrent loans to loans | 2.1827% | 651 |
| Net loans and leases to total assets | 78.7140% | 1,032 |
| Net loans and leases to deposits | 98.9168% | 704 |
| Net loans and leases to core deposits | 139.6421% | 192 |
| Total domestic deposits to total assets | 79.5760% | 4,241 |
| Equity capital to assets | 12.8834% | 1,521 |
| Core capital (leverage) ratio | 12.8274% | 1,350 |
| Tier 1 risk-based capital ratio | 14.6205% | 3,054 |
| Total risk-based capital ratio | 15.8716% | 2,974 |
| Memoranda: | ||
| Average total assets | $1,499,087,000 | 555 |
| Average earning assets | $1,425,542,500 | 535 |
| Average equity | $188,332,500 | 491 |
| Average total loans | $1,197,979,000 | 502 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6048% | 2,118 |
| Cost of funding earning assets | 1.4594% | 107 |
| Net interest margin | 3.1454% | 4,588 |
| Noninterest income to average assets | 0.5673% | 2,459 |
| Noninterest expense to average assets | 1.8305% | 4,976 |
| Loan and lease loss provision to assets | 0.2165% | 836 |
| Net operating income to assets | 1.1193% | 2,520 |
| Return on assets (ROA) | 1.1193% | 2,515 |
| Pretax return on assets | 1.5189% | 1,718 |
| Return on Equity (ROE) | 9.8330% | 2,584 |
| Retained earnings to average equity (ytd only) | 8.7167% | 972 |
| Net charge-offs to loans | -0.0053% | 4,366 |
| Credit loss provision to net charge-offs | -5,071.4286% | 4,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3323% | 4,857 |
| Assets per employee ($millions) | 10.0268% | 336 |
| Cash dividends to net income (ytd only)* | 11.3533% | 3,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 1,775 |
| Loan loss allowance to noncurrent loans | 71.8171% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 1.9508% | 498 |
| Noncurrent loans to loans | 1.8990% | 727 |
| Net loans and leases to total assets | 78.8446% | 1,131 |
| Net loans and leases to deposits | 97.2228% | 956 |
| Net loans and leases to core deposits | 141.4416% | 187 |
| Total domestic deposits to total assets | 81.0967% | 3,867 |
| Equity capital to assets | 12.2492% | 1,727 |
| Core capital (leverage) ratio | 12.4434% | 1,488 |
| Tier 1 risk-based capital ratio | 14.0950% | 3,248 |
| Total risk-based capital ratio | 15.3453% | 3,181 |
| Memoranda: | ||
| Average total assets | $1,475,428,600 | 552 |
| Average earning assets | $1,406,637,600 | 529 |
| Average equity | $167,954,000 | 525 |
| Average total loans | $1,189,280,400 | 488 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5247% | 2,210 |
| Cost of funding earning assets | 1.4113% | 94 |
| Net interest margin | 3.1134% | 4,680 |
| Noninterest income to average assets | 0.6094% | 2,261 |
| Noninterest expense to average assets | 1.8433% | 4,989 |
| Loan and lease loss provision to assets | 0.1476% | 1,346 |
| Net operating income to assets | 1.1799% | 2,321 |
| Return on assets (ROA) | 1.1799% | 2,324 |
| Pretax return on assets | 1.5900% | 1,615 |
| Return on Equity (ROE) | 10.5725% | 2,360 |
| Retained earnings to average equity (ytd only) | 9.4517% | 1,058 |
| Net charge-offs to loans | -0.1432% | 5,239 |
| Credit loss provision to net charge-offs | -127.5943% | 4,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4746% | 4,854 |
| Assets per employee ($millions) | 9.9206% | 342 |
| Cash dividends to net income (ytd only)* | 10.6006% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3268% | 1,977 |
| Loan loss allowance to noncurrent loans | 57.8976% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 2.3951% | 379 |
| Noncurrent loans to loans | 2.2916% | 604 |
| Net loans and leases to total assets | 79.6170% | 1,077 |
| Net loans and leases to deposits | 98.8601% | 874 |
| Net loans and leases to core deposits | 146.8759% | 152 |
| Total domestic deposits to total assets | 80.5350% | 3,985 |
| Equity capital to assets | 11.9607% | 1,933 |
| Core capital (leverage) ratio | 12.3165% | 1,602 |
| Tier 1 risk-based capital ratio | 13.7245% | 3,500 |
| Total risk-based capital ratio | 14.9632% | 3,423 |
| Memoranda: | ||
| Average total assets | $1,465,775,500 | 549 |
| Average earning assets | $1,398,991,500 | 525 |
| Average equity | $163,578,000 | 529 |
| Average total loans | $1,184,039,500 | 487 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4499% | 2,258 |
| Cost of funding earning assets | 1.3549% | 87 |
| Net interest margin | 3.0950% | 4,739 |
| Noninterest income to average assets | 0.6168% | 2,238 |
| Noninterest expense to average assets | 1.8643% | 5,009 |
| Loan and lease loss provision to assets | 0.0868% | 2,180 |
| Net operating income to assets | 1.2064% | 2,170 |
| Return on assets (ROA) | 1.2064% | 2,168 |
| Pretax return on assets | 1.6226% | 1,428 |
| Return on Equity (ROE) | 11.0859% | 2,074 |
| Retained earnings to average equity (ytd only) | 9.9782% | 933 |
| Net charge-offs to loans | -0.2133% | 5,336 |
| Credit loss provision to net charge-offs | -50.3597% | 4,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1665% | 4,871 |
| Assets per employee ($millions) | 9.6302% | 359 |
| Cash dividends to net income (ytd only)* | 9.9920% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2682% | 2,332 |
| Loan loss allowance to noncurrent loans | 57.5291% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 2.3340% | 390 |
| Noncurrent loans to loans | 2.2044% | 632 |
| Net loans and leases to total assets | 77.9042% | 1,332 |
| Net loans and leases to deposits | 96.8328% | 1,056 |
| Net loans and leases to core deposits | 149.0411% | 128 |
| Total domestic deposits to total assets | 80.4524% | 4,148 |
| Equity capital to assets | 11.7671% | 2,011 |
| Core capital (leverage) ratio | 12.1461% | 1,619 |
| Tier 1 risk-based capital ratio | 13.8304% | 3,447 |
| Total risk-based capital ratio | 15.0282% | 3,382 |
| Memoranda: | ||
| Average total assets | $1,451,726,000 | 552 |
| Average earning assets | $1,386,958,670 | 529 |
| Average equity | $157,984,330 | 540 |
| Average total loans | $1,173,150,330 | 485 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3938% | 2,217 |
| Cost of funding earning assets | 1.2602% | 106 |
| Net interest margin | 3.1336% | 4,634 |
| Noninterest income to average assets | 0.5717% | 2,412 |
| Noninterest expense to average assets | 1.8784% | 5,054 |
| Loan and lease loss provision to assets | 0.0273% | 3,163 |
| Net operating income to assets | 1.2383% | 1,853 |
| Return on assets (ROA) | 1.2383% | 1,865 |
| Pretax return on assets | 1.6606% | 1,217 |
| Return on Equity (ROE) | 11.8929% | 1,616 |
| Retained earnings to average equity (ytd only) | 10.8795% | 923 |
| Net charge-offs to loans | -0.4360% | 5,487 |
| Credit loss provision to net charge-offs | -7.6498% | 3,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6706% | 4,908 |
| Assets per employee ($millions) | 9.5611% | 370 |
| Cash dividends to net income (ytd only)* | 8.5208% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 2,530 |
| Loan loss allowance to noncurrent loans | 82.3397% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 1.8664% | 639 |
| Noncurrent loans to loans | 1.5155% | 1,161 |
| Net loans and leases to total assets | 79.5657% | 1,004 |
| Net loans and leases to deposits | 98.4456% | 831 |
| Net loans and leases to core deposits | 151.1891% | 118 |
| Total domestic deposits to total assets | 80.8221% | 4,237 |
| Equity capital to assets | 10.2598% | 3,324 |
| Core capital (leverage) ratio | 10.7486% | 2,691 |
| Tier 1 risk-based capital ratio | 11.7169% | 4,731 |
| Total risk-based capital ratio | 12.8881% | 4,670 |
| Memoranda: | ||
| Average total assets | $1,421,620,500 | 567 |
| Average earning assets | $1,358,562,000 | 544 |
| Average equity | $148,021,000 | 568 |
| Average total loans | $1,163,229,500 | 493 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3313% | 2,231 |
| Cost of funding earning assets | 1.1045% | 127 |
| Net interest margin | 3.2268% | 4,370 |
| Noninterest income to average assets | 0.5317% | 2,813 |
| Noninterest expense to average assets | 1.8565% | 5,184 |
| Loan and lease loss provision to assets | 0.1792% | 1,205 |
| Net operating income to assets | 0.9216% | 2,589 |
| Return on assets (ROA) | 0.9200% | 2,624 |
| Pretax return on assets | 1.5619% | 1,412 |
| Return on Equity (ROE) | 8.4606% | 2,574 |
| Retained earnings to average equity (ytd only) | 7.6825% | 862 |
| Net charge-offs to loans | 0.1584% | 1,537 |
| Credit loss provision to net charge-offs | 134.9160% | 1,964 |
| Earnings coverage of net charge-offs (x) | 13.1245% | 2,422 |
| Efficiency ratio | 51.5694% | 5,132 |
| Assets per employee ($millions) | 9.6524% | 360 |
| Cash dividends to net income (ytd only)* | 9.1966% | 3,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 3,079 |
| Loan loss allowance to noncurrent loans | 114.6033% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 1.1886% | 1,247 |
| Noncurrent loans to loans | 1.0003% | 1,772 |
| Net loans and leases to total assets | 82.1813% | 655 |
| Net loans and leases to deposits | 102.9114% | 551 |
| Net loans and leases to core deposits | 153.2116% | 117 |
| Total domestic deposits to total assets | 79.8563% | 4,363 |
| Equity capital to assets | 10.5714% | 3,083 |
| Core capital (leverage) ratio | 10.7563% | 2,587 |
| Tier 1 risk-based capital ratio | 11.6945% | 4,724 |
| Total risk-based capital ratio | 12.7890% | 4,721 |
| Memoranda: | ||
| Average total assets | $1,300,047,200 | 590 |
| Average earning assets | $1,236,151,400 | 567 |
| Average equity | $141,373,000 | 574 |
| Average total loans | $1,090,277,000 | 500 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3030% | 2,252 |
| Cost of funding earning assets | 1.0677% | 136 |
| Net interest margin | 3.2353% | 4,374 |
| Noninterest income to average assets | 0.6020% | 2,477 |
| Noninterest expense to average assets | 1.9288% | 5,093 |
| Loan and lease loss provision to assets | 0.2419% | 730 |
| Net operating income to assets | 0.9402% | 2,826 |
| Return on assets (ROA) | 0.9377% | 2,904 |
| Pretax return on assets | 1.4972% | 1,777 |
| Return on Equity (ROE) | 8.5580% | 2,833 |
| Retained earnings to average equity (ytd only) | 7.7008% | 1,343 |
| Net charge-offs to loans | 0.1660% | 1,251 |
| Credit loss provision to net charge-offs | 173.3732% | 1,507 |
| Earnings coverage of net charge-offs (x) | 12.4914% | 2,425 |
| Efficiency ratio | 52.5311% | 5,056 |
| Assets per employee ($millions) | 9.0744% | 424 |
| Cash dividends to net income (ytd only)* | 10.0167% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2072% | 2,895 |
| Loan loss allowance to noncurrent loans | 105.9487% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 1.4669% | 1,042 |
| Noncurrent loans to loans | 1.1394% | 1,691 |
| Net loans and leases to total assets | 82.4670% | 606 |
| Net loans and leases to deposits | 104.5128% | 474 |
| Net loans and leases to core deposits | 159.4219% | 89 |
| Total domestic deposits to total assets | 78.9062% | 4,546 |
| Equity capital to assets | 10.6945% | 3,167 |
| Core capital (leverage) ratio | 11.1744% | 2,300 |
| Tier 1 risk-based capital ratio | 11.6642% | 4,848 |
| Total risk-based capital ratio | 12.8092% | 4,806 |
| Memoranda: | ||
| Average total assets | $1,277,571,000 | 598 |
| Average earning assets | $1,212,215,500 | 581 |
| Average equity | $139,982,000 | 583 |
| Average total loans | $1,073,964,500 | 504 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2204% | 2,398 |
| Cost of funding earning assets | 1.0240% | 152 |
| Net interest margin | 3.1964% | 4,431 |
| Noninterest income to average assets | 0.5625% | 2,645 |
| Noninterest expense to average assets | 1.9139% | 5,166 |
| Loan and lease loss provision to assets | 0.3648% | 386 |
| Net operating income to assets | 0.8208% | 3,292 |
| Return on assets (ROA) | 0.8208% | 3,347 |
| Pretax return on assets | 1.3171% | 2,323 |
| Return on Equity (ROE) | 7.4269% | 3,322 |
| Retained earnings to average equity (ytd only) | 6.5601% | 1,810 |
| Net charge-offs to loans | 0.2703% | 753 |
| Credit loss provision to net charge-offs | 160.1261% | 1,461 |
| Earnings coverage of net charge-offs (x) | 7.3826% | 2,610 |
| Efficiency ratio | 53.2256% | 5,079 |
| Assets per employee ($millions) | 9.0085% | 422 |
| Cash dividends to net income (ytd only)* | 11.6709% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 2,716 |
| Loan loss allowance to noncurrent loans | 108.7986% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 1.5109% | 1,000 |
| Noncurrent loans to loans | 1.1452% | 1,711 |
| Net loans and leases to total assets | 83.6610% | 479 |
| Net loans and leases to deposits | 107.5898% | 333 |
| Net loans and leases to core deposits | 158.2510% | 93 |
| Total domestic deposits to total assets | 77.7592% | 4,855 |
| Equity capital to assets | 11.0154% | 2,789 |
| Core capital (leverage) ratio | 11.2452% | 2,186 |
| Tier 1 risk-based capital ratio | 11.7498% | 4,807 |
| Total risk-based capital ratio | 12.9262% | 4,736 |
| Memoranda: | ||
| Average total assets | $1,252,730,670 | 611 |
| Average earning assets | $1,188,847,330 | 594 |
| Average equity | $138,443,000 | 588 |
| Average total loans | $1,055,734,330 | 510 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1290% | 2,550 |
| Cost of funding earning assets | 0.9589% | 205 |
| Net interest margin | 3.1701% | 4,438 |
| Noninterest income to average assets | 0.6696% | 2,090 |
| Noninterest expense to average assets | 1.9395% | 5,167 |
| Loan and lease loss provision to assets | 0.2456% | 621 |
| Net operating income to assets | 0.9197% | 2,668 |
| Return on assets (ROA) | 0.9197% | 2,723 |
| Pretax return on assets | 1.4909% | 1,560 |
| Return on Equity (ROE) | 8.3085% | 2,762 |
| Retained earnings to average equity (ytd only) | 7.4339% | 1,680 |
| Net charge-offs to loans | -0.0081% | 4,341 |
| Credit loss provision to net charge-offs | -3,623.8095% | 4,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7610% | 5,227 |
| Assets per employee ($millions) | 9.0795% | 416 |
| Cash dividends to net income (ytd only)* | 10.5263% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 2,650 |
| Loan loss allowance to noncurrent loans | 87.9832% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.7892% | 797 |
| Noncurrent loans to loans | 1.4510% | 1,387 |
| Net loans and leases to total assets | 83.4813% | 416 |
| Net loans and leases to deposits | 105.6987% | 331 |
| Net loans and leases to core deposits | 147.2050% | 117 |
| Total domestic deposits to total assets | 78.9805% | 4,827 |
| Equity capital to assets | 11.1457% | 2,483 |
| Core capital (leverage) ratio | 11.2826% | 2,117 |
| Tier 1 risk-based capital ratio | 11.9747% | 4,734 |
| Total risk-based capital ratio | 13.1756% | 4,668 |
| Memoranda: | ||
| Average total assets | $1,239,490,000 | 618 |
| Average earning assets | $1,175,478,000 | 603 |
| Average equity | $137,209,500 | 589 |
| Average total loans | $1,041,749,500 | 516 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4516% | 1,684 |
| Cost of funding earning assets | 0.9415% | 237 |
| Net interest margin | 3.5101% | 3,388 |
| Noninterest income to average assets | 0.7846% | 1,809 |
| Noninterest expense to average assets | 2.0926% | 5,014 |
| Loan and lease loss provision to assets | 0.2744% | 731 |
| Net operating income to assets | 1.0873% | 1,948 |
| Return on assets (ROA) | 1.0873% | 2,053 |
| Pretax return on assets | 1.7509% | 886 |
| Return on Equity (ROE) | 9.4626% | 2,203 |
| Retained earnings to average equity (ytd only) | 8.4940% | 703 |
| Net charge-offs to loans | 0.0795% | 2,554 |
| Credit loss provision to net charge-offs | 410.9722% | 775 |
| Earnings coverage of net charge-offs (x) | 30.3306% | 1,423 |
| Efficiency ratio | 50.8164% | 5,446 |
| Assets per employee ($millions) | 9.1488% | 410 |
| Cash dividends to net income (ytd only)* | 10.2354% | 4,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2257% | 2,965 |
| Loan loss allowance to noncurrent loans | 62.8917% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 1.8839% | 762 |
| Noncurrent loans to loans | 1.9489% | 942 |
| Net loans and leases to total assets | 82.5049% | 537 |
| Net loans and leases to deposits | 104.1149% | 428 |
| Net loans and leases to core deposits | 140.7436% | 166 |
| Total domestic deposits to total assets | 79.2441% | 4,737 |
| Equity capital to assets | 10.9934% | 2,630 |
| Core capital (leverage) ratio | 11.0815% | 2,273 |
| Tier 1 risk-based capital ratio | 12.0693% | 4,683 |
| Total risk-based capital ratio | 13.2332% | 4,625 |
| Memoranda: | ||
| Average total assets | $1,078,251,000 | 669 |
| Average earning assets | $1,023,935,400 | 644 |
| Average equity | $123,898,800 | 644 |
| Average total loans | $905,889,600 | 557 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4083% | 1,837 |
| Cost of funding earning assets | 0.9392% | 238 |
| Net interest margin | 3.4691% | 3,591 |
| Noninterest income to average assets | 0.8456% | 1,589 |
| Noninterest expense to average assets | 2.1840% | 4,808 |
| Loan and lease loss provision to assets | 0.3100% | 541 |
| Net operating income to assets | 1.0251% | 2,316 |
| Return on assets (ROA) | 1.0251% | 2,446 |
| Pretax return on assets | 1.6457% | 1,261 |
| Return on Equity (ROE) | 8.8083% | 2,600 |
| Retained earnings to average equity (ytd only) | 7.8160% | 1,246 |
| Net charge-offs to loans | 0.1822% | 1,283 |
| Credit loss provision to net charge-offs | 202.1757% | 1,431 |
| Earnings coverage of net charge-offs (x) | 12.7540% | 2,361 |
| Efficiency ratio | 52.7572% | 5,333 |
| Assets per employee ($millions) | 8.9614% | 417 |
| Cash dividends to net income (ytd only)* | 11.2655% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 3,436 |
| Loan loss allowance to noncurrent loans | 51.6711% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 2.0827% | 737 |
| Noncurrent loans to loans | 2.2603% | 821 |
| Net loans and leases to total assets | 81.3211% | 715 |
| Net loans and leases to deposits | 105.7097% | 386 |
| Net loans and leases to core deposits | 144.3678% | 158 |
| Total domestic deposits to total assets | 76.9287% | 5,105 |
| Equity capital to assets | 11.0396% | 2,962 |
| Core capital (leverage) ratio | 11.1934% | 2,273 |
| Tier 1 risk-based capital ratio | 12.1941% | 4,680 |
| Total risk-based capital ratio | 13.3107% | 4,657 |
| Memoranda: | ||
| Average total assets | $1,039,042,750 | 693 |
| Average earning assets | $986,626,750 | 674 |
| Average equity | $120,929,000 | 664 |
| Average total loans | $874,449,500 | 575 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2515% | 2,329 |
| Cost of funding earning assets | 0.9529% | 216 |
| Net interest margin | 3.2985% | 4,239 |
| Noninterest income to average assets | 0.9748% | 1,189 |
| Noninterest expense to average assets | 2.3412% | 4,496 |
| Loan and lease loss provision to assets | 0.2611% | 720 |
| Net operating income to assets | 0.9390% | 2,683 |
| Return on assets (ROA) | 0.9390% | 2,821 |
| Pretax return on assets | 1.5037% | 1,661 |
| Return on Equity (ROE) | 7.9010% | 3,031 |
| Retained earnings to average equity (ytd only) | 6.8729% | 1,683 |
| Net charge-offs to loans | 0.2148% | 1,092 |
| Credit loss provision to net charge-offs | 143.0804% | 1,650 |
| Earnings coverage of net charge-offs (x) | 9.6719% | 2,394 |
| Efficiency ratio | 57.0203% | 5,022 |
| Assets per employee ($millions) | 8.8695% | 409 |
| Cash dividends to net income (ytd only)* | 13.0124% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 3,851 |
| Loan loss allowance to noncurrent loans | 45.0714% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 2.3183% | 645 |
| Noncurrent loans to loans | 2.4807% | 712 |
| Net loans and leases to total assets | 82.7682% | 540 |
| Net loans and leases to deposits | 106.7747% | 338 |
| Net loans and leases to core deposits | 143.5594% | 157 |
| Total domestic deposits to total assets | 77.5167% | 5,080 |
| Equity capital to assets | 11.3272% | 2,718 |
| Core capital (leverage) ratio | 11.3364% | 2,112 |
| Tier 1 risk-based capital ratio | 12.3287% | 4,629 |
| Total risk-based capital ratio | 13.4057% | 4,643 |
| Memoranda: | ||
| Average total assets | $982,128,000 | 739 |
| Average earning assets | $932,292,670 | 708 |
| Average equity | $116,720,000 | 685 |
| Average total loans | $834,120,000 | 594 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2851% | 2,186 |
| Cost of funding earning assets | 0.9935% | 177 |
| Net interest margin | 3.2916% | 4,253 |
| Noninterest income to average assets | 0.8253% | 1,539 |
| Noninterest expense to average assets | 1.9454% | 5,441 |
| Loan and lease loss provision to assets | 0.3622% | 407 |
| Net operating income to assets | 1.0269% | 2,171 |
| Return on assets (ROA) | 1.0269% | 2,289 |
| Pretax return on assets | 1.6421% | 1,201 |
| Return on Equity (ROE) | 8.3880% | 2,709 |
| Retained earnings to average equity (ytd only) | 7.2948% | 1,750 |
| Net charge-offs to loans | -0.0005% | 4,065 |
| Credit loss provision to net charge-offs | -81,200.0000% | 5,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2546% | 5,664 |
| Assets per employee ($millions) | 8.6570% | 448 |
| Cash dividends to net income (ytd only)* | 13.0321% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4385% | 2,251 |
| Loan loss allowance to noncurrent loans | 57.3400% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 2.4765% | 604 |
| Noncurrent loans to loans | 2.5088% | 751 |
| Net loans and leases to total assets | 84.5568% | 322 |
| Net loans and leases to deposits | 108.3477% | 270 |
| Net loans and leases to core deposits | 159.4369% | 81 |
| Total domestic deposits to total assets | 78.0420% | 5,141 |
| Equity capital to assets | 11.4739% | 2,464 |
| Core capital (leverage) ratio | 11.5101% | 1,965 |
| Tier 1 risk-based capital ratio | 12.2772% | 4,733 |
| Total risk-based capital ratio | 13.5290% | 4,635 |
| Memoranda: | ||
| Average total assets | $896,671,500 | 811 |
| Average earning assets | $851,144,500 | 779 |
| Average equity | $109,776,500 | 737 |
| Average total loans | $768,609,000 | 651 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3823% | 1,961 |
| Cost of funding earning assets | 0.9240% | 256 |
| Net interest margin | 3.4583% | 3,680 |
| Noninterest income to average assets | 0.8759% | 1,512 |
| Noninterest expense to average assets | 2.0040% | 5,448 |
| Loan and lease loss provision to assets | -0.1255% | 5,891 |
| Net operating income to assets | 1.4266% | 993 |
| Return on assets (ROA) | 1.4266% | 1,027 |
| Pretax return on assets | 2.2784% | 302 |
| Return on Equity (ROE) | 10.5513% | 1,784 |
| Retained earnings to average equity (ytd only) | 9.4585% | 542 |
| Net charge-offs to loans | -0.1197% | 5,826 |
| Credit loss provision to net charge-offs | 124.1169% | 2,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2080% | 5,834 |
| Assets per employee ($millions) | 8.6702% | 436 |
| Cash dividends to net income (ytd only)* | 10.3564% | 4,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3738% | 2,539 |
| Loan loss allowance to noncurrent loans | 42.3346% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 3.1040% | 413 |
| Noncurrent loans to loans | 3.2451% | 463 |
| Net loans and leases to total assets | 84.4665% | 352 |
| Net loans and leases to deposits | 108.2131% | 293 |
| Net loans and leases to core deposits | 154.3198% | 95 |
| Total domestic deposits to total assets | 78.0558% | 5,151 |
| Equity capital to assets | 13.0329% | 1,332 |
| Core capital (leverage) ratio | 13.2855% | 1,047 |
| Tier 1 risk-based capital ratio | 13.9437% | 3,742 |
| Total risk-based capital ratio | 15.1944% | 3,678 |
| Memoranda: | ||
| Average total assets | $812,188,800 | 855 |
| Average earning assets | $770,559,800 | 818 |
| Average equity | $109,816,200 | 696 |
| Average total loans | $686,082,000 | 680 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3849% | 1,968 |
| Cost of funding earning assets | 0.9147% | 268 |
| Net interest margin | 3.4702% | 3,666 |
| Noninterest income to average assets | 0.8024% | 1,796 |
| Noninterest expense to average assets | 2.0464% | 5,388 |
| Loan and lease loss provision to assets | -0.2225% | 6,117 |
| Net operating income to assets | 1.4165% | 1,071 |
| Return on assets (ROA) | 1.4165% | 1,116 |
| Pretax return on assets | 2.2689% | 354 |
| Return on Equity (ROE) | 10.3720% | 1,938 |
| Retained earnings to average equity (ytd only) | 9.2656% | 807 |
| Net charge-offs to loans | -0.1109% | 5,822 |
| Credit loss provision to net charge-offs | 238.3094% | 1,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 5,777 |
| Assets per employee ($millions) | 8.2768% | 475 |
| Cash dividends to net income (ytd only)* | 10.6673% | 3,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3700% | 2,738 |
| Loan loss allowance to noncurrent loans | 88.0068% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 1.6816% | 1,293 |
| Noncurrent loans to loans | 1.5567% | 1,602 |
| Net loans and leases to total assets | 83.8523% | 393 |
| Net loans and leases to deposits | 108.1636% | 299 |
| Net loans and leases to core deposits | 155.9824% | 86 |
| Total domestic deposits to total assets | 77.5236% | 5,256 |
| Equity capital to assets | 13.3483% | 1,293 |
| Core capital (leverage) ratio | 13.7021% | 946 |
| Tier 1 risk-based capital ratio | 14.2295% | 3,712 |
| Total risk-based capital ratio | 15.4804% | 3,647 |
| Memoranda: | ||
| Average total assets | $794,147,000 | 879 |
| Average earning assets | $753,023,250 | 849 |
| Average equity | $108,456,000 | 717 |
| Average total loans | $668,255,000 | 705 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3476% | 2,019 |
| Cost of funding earning assets | 0.9159% | 266 |
| Net interest margin | 3.4317% | 3,782 |
| Noninterest income to average assets | 0.7882% | 1,828 |
| Noninterest expense to average assets | 2.1012% | 5,337 |
| Loan and lease loss provision to assets | -0.1178% | 6,102 |
| Net operating income to assets | 1.2821% | 1,372 |
| Return on assets (ROA) | 1.2821% | 1,434 |
| Pretax return on assets | 2.0539% | 539 |
| Return on Equity (ROE) | 9.3120% | 2,380 |
| Retained earnings to average equity (ytd only) | 8.1910% | 1,192 |
| Net charge-offs to loans | 0.0764% | 2,298 |
| Credit loss provision to net charge-offs | -183.9357% | 5,020 |
| Earnings coverage of net charge-offs (x) | 30.2249% | 1,359 |
| Efficiency ratio | 52.0454% | 5,713 |
| Assets per employee ($millions) | 8.1314% | 499 |
| Cash dividends to net income (ytd only)* | 12.0385% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 2,280 |
| Loan loss allowance to noncurrent loans | 65.5517% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 2.3397% | 851 |
| Noncurrent loans to loans | 2.2924% | 1,031 |
| Net loans and leases to total assets | 83.1011% | 460 |
| Net loans and leases to deposits | 103.4487% | 477 |
| Net loans and leases to core deposits | 147.0826% | 123 |
| Total domestic deposits to total assets | 80.3307% | 4,790 |
| Equity capital to assets | 13.9771% | 986 |
| Core capital (leverage) ratio | 14.0082% | 835 |
| Tier 1 risk-based capital ratio | 14.9776% | 3,370 |
| Total risk-based capital ratio | 16.2297% | 3,307 |
| Memoranda: | ||
| Average total assets | $777,451,670 | 896 |
| Average earning assets | $736,081,000 | 876 |
| Average equity | $107,044,330 | 727 |
| Average total loans | $651,759,330 | 719 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3424% | 1,963 |
| Cost of funding earning assets | 0.9224% | 256 |
| Net interest margin | 3.4201% | 3,760 |
| Noninterest income to average assets | 0.6682% | 2,317 |
| Noninterest expense to average assets | 2.0540% | 5,480 |
| Loan and lease loss provision to assets | -0.3104% | 6,310 |
| Net operating income to assets | 1.3564% | 1,122 |
| Return on assets (ROA) | 1.3564% | 1,188 |
| Pretax return on assets | 2.1648% | 418 |
| Return on Equity (ROE) | 9.9271% | 2,039 |
| Retained earnings to average equity (ytd only) | 8.7952% | 1,267 |
| Net charge-offs to loans | -0.1653% | 6,005 |
| Credit loss provision to net charge-offs | 224.6269% | 974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5524% | 5,781 |
| Assets per employee ($millions) | 8.3069% | 477 |
| Cash dividends to net income (ytd only)* | 11.4025% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5935% | 2,074 |
| Loan loss allowance to noncurrent loans | 80.0203% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 2.3002% | 975 |
| Noncurrent loans to loans | 1.9913% | 1,311 |
| Net loans and leases to total assets | 81.2156% | 548 |
| Net loans and leases to deposits | 101.0642% | 505 |
| Net loans and leases to core deposits | 143.1266% | 137 |
| Total domestic deposits to total assets | 80.3604% | 4,972 |
| Equity capital to assets | 13.7478% | 1,073 |
| Core capital (leverage) ratio | 13.6476% | 919 |
| Tier 1 risk-based capital ratio | 15.1266% | 3,363 |
| Total risk-based capital ratio | 16.3799% | 3,284 |
| Memoranda: | ||
| Average total assets | $775,868,500 | 902 |
| Average earning assets | $735,072,000 | 878 |
| Average equity | $106,012,500 | 729 |
| Average total loans | $648,339,500 | 721 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3632% | 2,355 |
| Cost of funding earning assets | 0.9966% | 234 |
| Net interest margin | 3.3667% | 4,347 |
| Noninterest income to average assets | 0.7412% | 2,120 |
| Noninterest expense to average assets | 2.0381% | 5,702 |
| Loan and lease loss provision to assets | 0.0782% | 2,916 |
| Net operating income to assets | 1.1374% | 1,828 |
| Return on assets (ROA) | 1.1374% | 1,896 |
| Pretax return on assets | 1.7902% | 807 |
| Return on Equity (ROE) | 8.5162% | 2,827 |
| Retained earnings to average equity (ytd only) | 7.3232% | 1,263 |
| Net charge-offs to loans | 0.0808% | 3,338 |
| Credit loss provision to net charge-offs | 122.1992% | 1,964 |
| Earnings coverage of net charge-offs (x) | 29.1950% | 1,365 |
| Efficiency ratio | 52.1718% | 5,968 |
| Assets per employee ($millions) | 8.4713% | 442 |
| Cash dividends to net income (ytd only)* | 14.0089% | 4,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6256% | 2,006 |
| Loan loss allowance to noncurrent loans | 91.7611% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 2.4247% | 958 |
| Noncurrent loans to loans | 1.7716% | 1,624 |
| Net loans and leases to total assets | 83.2333% | 406 |
| Net loans and leases to deposits | 105.6617% | 370 |
| Net loans and leases to core deposits | 145.7111% | 125 |
| Total domestic deposits to total assets | 78.7734% | 5,295 |
| Equity capital to assets | 13.5785% | 1,123 |
| Core capital (leverage) ratio | 13.9608% | 823 |
| Tier 1 risk-based capital ratio | 15.5140% | 3,225 |
| Total risk-based capital ratio | 16.7689% | 3,155 |
| Memoranda: | ||
| Average total assets | $753,142,600 | 899 |
| Average earning assets | $708,120,000 | 867 |
| Average equity | $100,584,800 | 731 |
| Average total loans | $596,593,200 | 739 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3308% | 2,499 |
| Cost of funding earning assets | 1.0171% | 229 |
| Net interest margin | 3.3136% | 4,554 |
| Noninterest income to average assets | 0.7333% | 2,170 |
| Noninterest expense to average assets | 2.0622% | 5,654 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1062% | 1,998 |
| Return on assets (ROA) | 1.1062% | 2,064 |
| Pretax return on assets | 1.7813% | 921 |
| Return on Equity (ROE) | 8.3189% | 3,025 |
| Retained earnings to average equity (ytd only) | 7.1136% | 1,761 |
| Net charge-offs to loans | 0.0279% | 3,938 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 81.9931% | 690 |
| Efficiency ratio | 53.6533% | 5,859 |
| Assets per employee ($millions) | 7.8967% | 548 |
| Cash dividends to net income (ytd only)* | 14.4881% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7494% | 1,828 |
| Loan loss allowance to noncurrent loans | 82.6482% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 2.7889% | 881 |
| Noncurrent loans to loans | 2.1167% | 1,478 |
| Net loans and leases to total assets | 78.4909% | 903 |
| Net loans and leases to deposits | 96.8231% | 811 |
| Net loans and leases to core deposits | 136.3925% | 175 |
| Total domestic deposits to total assets | 81.0663% | 4,807 |
| Equity capital to assets | 13.8077% | 1,070 |
| Core capital (leverage) ratio | 13.7358% | 917 |
| Tier 1 risk-based capital ratio | 16.5815% | 2,781 |
| Total risk-based capital ratio | 17.8377% | 2,733 |
| Memoranda: | ||
| Average total assets | $748,707,000 | 913 |
| Average earning assets | $702,738,500 | 876 |
| Average equity | $99,562,250 | 734 |
| Average total loans | $582,682,500 | 755 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3307% | 2,469 |
| Cost of funding earning assets | 1.0527% | 193 |
| Net interest margin | 3.2780% | 4,673 |
| Noninterest income to average assets | 0.6819% | 2,367 |
| Noninterest expense to average assets | 2.0396% | 5,747 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0665% | 2,046 |
| Return on assets (ROA) | 1.0665% | 2,127 |
| Pretax return on assets | 1.7146% | 988 |
| Return on Equity (ROE) | 8.1229% | 3,029 |
| Retained earnings to average equity (ytd only) | 6.9057% | 1,810 |
| Net charge-offs to loans | -0.0207% | 5,560 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3281% | 5,883 |
| Assets per employee ($millions) | 8.1540% | 460 |
| Cash dividends to net income (ytd only)* | 14.9850% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7939% | 1,857 |
| Loan loss allowance to noncurrent loans | 75.3731% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 3.3561% | 715 |
| Noncurrent loans to loans | 2.3800% | 1,339 |
| Net loans and leases to total assets | 76.2067% | 1,135 |
| Net loans and leases to deposits | 92.8114% | 1,067 |
| Net loans and leases to core deposits | 132.0060% | 214 |
| Total domestic deposits to total assets | 82.1092% | 4,607 |
| Equity capital to assets | 13.2698% | 1,236 |
| Core capital (leverage) ratio | 13.4072% | 1,012 |
| Tier 1 risk-based capital ratio | 16.4221% | 2,867 |
| Total risk-based capital ratio | 17.6789% | 2,821 |
| Memoranda: | ||
| Average total assets | $750,846,330 | 910 |
| Average earning assets | $703,714,330 | 874 |
| Average equity | $98,585,330 | 742 |
| Average total loans | $579,242,330 | 756 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2672% | 2,643 |
| Cost of funding earning assets | 1.0738% | 186 |
| Net interest margin | 3.1934% | 4,942 |
| Noninterest income to average assets | 0.5905% | 2,791 |
| Noninterest expense to average assets | 2.0768% | 5,721 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9412% | 2,449 |
| Return on assets (ROA) | 0.9412% | 2,521 |
| Pretax return on assets | 1.5039% | 1,417 |
| Return on Equity (ROE) | 7.2076% | 3,347 |
| Retained earnings to average equity (ytd only) | 5.9776% | 2,557 |
| Net charge-offs to loans | -0.0195% | 5,340 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9994% | 5,646 |
| Assets per employee ($millions) | 8.1873% | 441 |
| Cash dividends to net income (ytd only)* | 17.0648% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8373% | 1,935 |
| Loan loss allowance to noncurrent loans | 82.7228% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 3.6459% | 699 |
| Noncurrent loans to loans | 2.2211% | 1,629 |
| Net loans and leases to total assets | 76.3049% | 966 |
| Net loans and leases to deposits | 93.4940% | 837 |
| Net loans and leases to core deposits | 137.1758% | 143 |
| Total domestic deposits to total assets | 81.6148% | 5,052 |
| Equity capital to assets | 13.3526% | 1,155 |
| Core capital (leverage) ratio | 13.2494% | 1,069 |
| Tier 1 risk-based capital ratio | 16.7110% | 2,808 |
| Total risk-based capital ratio | 17.9685% | 2,767 |
| Memoranda: | ||
| Average total assets | $747,108,500 | 913 |
| Average earning assets | $699,565,000 | 883 |
| Average equity | $97,564,000 | 750 |
| Average total loans | $574,639,500 | 764 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6094% | 1,840 |
| Cost of funding earning assets | 1.1794% | 197 |
| Net interest margin | 3.4300% | 4,167 |
| Noninterest income to average assets | 0.9830% | 1,434 |
| Noninterest expense to average assets | 2.0676% | 5,900 |
| Loan and lease loss provision to assets | 0.5611% | 463 |
| Net operating income to assets | 0.9792% | 2,427 |
| Return on assets (ROA) | 0.9792% | 2,493 |
| Pretax return on assets | 1.5596% | 1,270 |
| Return on Equity (ROE) | 7.7893% | 3,147 |
| Retained earnings to average equity (ytd only) | 6.5141% | 1,679 |
| Net charge-offs to loans | 1.0529% | 537 |
| Credit loss provision to net charge-offs | 67.4699% | 3,373 |
| Earnings coverage of net charge-offs (x) | 2.5500% | 4,160 |
| Efficiency ratio | 49.3668% | 6,426 |
| Assets per employee ($millions) | 7.9722% | 477 |
| Cash dividends to net income (ytd only)* | 16.3711% | 3,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8205% | 2,001 |
| Loan loss allowance to noncurrent loans | 173.2992% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 2.9231% | 1,090 |
| Noncurrent loans to loans | 1.0505% | 3,412 |
| Net loans and leases to total assets | 74.7335% | 1,252 |
| Net loans and leases to deposits | 91.6298% | 1,097 |
| Net loans and leases to core deposits | 132.9318% | 176 |
| Total domestic deposits to total assets | 81.5603% | 5,020 |
| Equity capital to assets | 12.7731% | 1,380 |
| Core capital (leverage) ratio | 12.8212% | 1,213 |
| Tier 1 risk-based capital ratio | 16.1937% | 3,009 |
| Total risk-based capital ratio | 17.4506% | 2,959 |
| Memoranda: | ||
| Average total assets | $748,546,600 | 889 |
| Average earning assets | $699,502,800 | 861 |
| Average equity | $94,103,400 | 745 |
| Average total loans | $591,208,400 | 703 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6564% | 1,737 |
| Cost of funding earning assets | 1.2019% | 198 |
| Net interest margin | 3.4545% | 4,073 |
| Noninterest income to average assets | 1.3661% | 777 |
| Noninterest expense to average assets | 2.1777% | 5,659 |
| Loan and lease loss provision to assets | 0.6610% | 335 |
| Net operating income to assets | 1.0854% | 2,064 |
| Return on assets (ROA) | 1.0854% | 2,145 |
| Pretax return on assets | 1.7534% | 986 |
| Return on Equity (ROE) | 8.6694% | 2,800 |
| Retained earnings to average equity (ytd only) | 7.3853% | 1,691 |
| Net charge-offs to loans | 1.3396% | 395 |
| Credit loss provision to net charge-offs | 61.9040% | 3,257 |
| Earnings coverage of net charge-offs (x) | 2.2612% | 4,089 |
| Efficiency ratio | 47.4227% | 6,527 |
| Assets per employee ($millions) | 8.5730% | 369 |
| Cash dividends to net income (ytd only)* | 14.8124% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7645% | 2,409 |
| Loan loss allowance to noncurrent loans | 161.3071% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 4.2538% | 722 |
| Noncurrent loans to loans | 1.0939% | 3,604 |
| Net loans and leases to total assets | 76.4577% | 946 |
| Net loans and leases to deposits | 94.0340% | 828 |
| Net loans and leases to core deposits | 129.4840% | 197 |
| Total domestic deposits to total assets | 81.3085% | 5,134 |
| Equity capital to assets | 12.8355% | 1,405 |
| Core capital (leverage) ratio | 13.0003% | 1,204 |
| Tier 1 risk-based capital ratio | 15.7131% | 3,343 |
| Total risk-based capital ratio | 16.9706% | 3,294 |
| Memoranda: | ||
| Average total assets | $746,343,500 | 902 |
| Average earning assets | $696,966,750 | 873 |
| Average equity | $93,444,750 | 755 |
| Average total loans | $594,886,500 | 701 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6821% | 1,620 |
| Cost of funding earning assets | 1.2272% | 193 |
| Net interest margin | 3.4549% | 3,986 |
| Noninterest income to average assets | 1.3345% | 873 |
| Noninterest expense to average assets | 2.1674% | 5,709 |
| Loan and lease loss provision to assets | 0.8037% | 268 |
| Net operating income to assets | 0.9956% | 2,348 |
| Return on assets (ROA) | 0.9956% | 2,489 |
| Pretax return on assets | 1.6035% | 1,370 |
| Return on Equity (ROE) | 8.0188% | 3,089 |
| Retained earnings to average equity (ytd only) | 6.7241% | 2,020 |
| Net charge-offs to loans | 1.1563% | 506 |
| Credit loss provision to net charge-offs | 86.5301% | 2,510 |
| Earnings coverage of net charge-offs (x) | 2.5916% | 3,655 |
| Efficiency ratio | 47.3792% | 6,575 |
| Assets per employee ($millions) | 8.8243% | 330 |
| Cash dividends to net income (ytd only)* | 16.1464% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0888% | 1,655 |
| Loan loss allowance to noncurrent loans | 129.1408% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 4.1688% | 812 |
| Noncurrent loans to loans | 1.6175% | 2,884 |
| Net loans and leases to total assets | 76.2247% | 960 |
| Net loans and leases to deposits | 94.8218% | 755 |
| Net loans and leases to core deposits | 130.6236% | 185 |
| Total domestic deposits to total assets | 80.3873% | 5,512 |
| Equity capital to assets | 12.6811% | 1,480 |
| Core capital (leverage) ratio | 12.7510% | 1,266 |
| Tier 1 risk-based capital ratio | 15.6720% | 3,386 |
| Total risk-based capital ratio | 16.9337% | 3,324 |
| Memoranda: | ||
| Average total assets | $746,508,670 | 901 |
| Average earning assets | $700,113,000 | 869 |
| Average equity | $92,682,000 | 760 |
| Average total loans | $599,681,670 | 693 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8317% | 1,224 |
| Cost of funding earning assets | 1.3981% | 96 |
| Net interest margin | 3.4336% | 3,992 |
| Noninterest income to average assets | 1.2857% | 922 |
| Noninterest expense to average assets | 2.0487% | 6,009 |
| Loan and lease loss provision to assets | 1.0679% | 163 |
| Net operating income to assets | 0.8789% | 2,758 |
| Return on assets (ROA) | 0.8789% | 2,905 |
| Pretax return on assets | 1.4080% | 1,827 |
| Return on Equity (ROE) | 7.1547% | 3,406 |
| Retained earnings to average equity (ytd only) | 5.8506% | 2,759 |
| Net charge-offs to loans | 0.3051% | 1,741 |
| Credit loss provision to net charge-offs | 429.1845% | 605 |
| Earnings coverage of net charge-offs (x) | 9.9506% | 1,790 |
| Efficiency ratio | 45.2797% | 6,719 |
| Assets per employee ($millions) | 9.0691% | 310 |
| Cash dividends to net income (ytd only)* | 18.2260% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3421% | 1,343 |
| Loan loss allowance to noncurrent loans | 97.1723% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 3.3311% | 1,312 |
| Noncurrent loans to loans | 2.4103% | 2,152 |
| Net loans and leases to total assets | 78.8037% | 530 |
| Net loans and leases to deposits | 97.8297% | 453 |
| Net loans and leases to core deposits | 137.4804% | 132 |
| Total domestic deposits to total assets | 80.5520% | 5,613 |
| Equity capital to assets | 12.4609% | 1,736 |
| Core capital (leverage) ratio | 12.3589% | 1,399 |
| Tier 1 risk-based capital ratio | 14.9819% | 3,848 |
| Total risk-based capital ratio | 16.2469% | 3,801 |
| Memoranda: | ||
| Average total assets | $749,141,000 | 900 |
| Average earning assets | $706,672,000 | 871 |
| Average equity | $92,024,000 | 777 |
| Average total loans | $610,990,000 | 680 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0295% | 1,480 |
| Cost of funding earning assets | 1.3512% | 304 |
| Net interest margin | 3.6784% | 3,748 |
| Noninterest income to average assets | 1.0462% | 1,417 |
| Noninterest expense to average assets | 2.1761% | 5,977 |
| Loan and lease loss provision to assets | 0.5914% | 935 |
| Net operating income to assets | 1.0918% | 1,966 |
| Return on assets (ROA) | 1.1237% | 2,026 |
| Pretax return on assets | 1.8021% | 916 |
| Return on Equity (ROE) | 9.0644% | 2,611 |
| Retained earnings to average equity (ytd only) | 7.7015% | 1,235 |
| Net charge-offs to loans | 0.1301% | 4,377 |
| Credit loss provision to net charge-offs | 546.1638% | 446 |
| Earnings coverage of net charge-offs (x) | 21.6450% | 1,294 |
| Efficiency ratio | 48.1464% | 6,702 |
| Assets per employee ($millions) | 9.3162% | 298 |
| Cash dividends to net income (ytd only)* | 15.0357% | 3,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0134% | 1,986 |
| Loan loss allowance to noncurrent loans | 111.6850% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 2.8794% | 1,652 |
| Noncurrent loans to loans | 1.8027% | 2,914 |
| Net loans and leases to total assets | 80.7520% | 399 |
| Net loans and leases to deposits | 99.2804% | 442 |
| Net loans and leases to core deposits | 139.2688% | 133 |
| Total domestic deposits to total assets | 81.3373% | 5,296 |
| Equity capital to assets | 12.1095% | 1,975 |
| Core capital (leverage) ratio | 12.3078% | 1,396 |
| Tier 1 risk-based capital ratio | 14.3217% | 4,150 |
| Total risk-based capital ratio | 15.5828% | 4,102 |
| Memoranda: | ||
| Average total assets | $710,212,400 | 928 |
| Average earning assets | $670,680,200 | 896 |
| Average equity | $88,047,600 | 788 |
| Average total loans | $591,180,800 | 696 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0346% | 1,600 |
| Cost of funding earning assets | 1.4174% | 280 |
| Net interest margin | 3.6172% | 4,160 |
| Noninterest income to average assets | 0.9785% | 1,565 |
| Noninterest expense to average assets | 2.1198% | 6,125 |
| Loan and lease loss provision to assets | 0.5721% | 1,004 |
| Net operating income to assets | 1.0597% | 2,255 |
| Return on assets (ROA) | 1.1029% | 2,273 |
| Pretax return on assets | 1.7698% | 1,121 |
| Return on Equity (ROE) | 8.8408% | 2,878 |
| Retained earnings to average equity (ytd only) | 7.4649% | 1,871 |
| Net charge-offs to loans | 0.0139% | 5,503 |
| Credit loss provision to net charge-offs | 4,918.0328% | 56 |
| Earnings coverage of net charge-offs (x) | 195.5114% | 231 |
| Efficiency ratio | 48.2401% | 6,704 |
| Assets per employee ($millions) | 8.7733% | 360 |
| Cash dividends to net income (ytd only)* | 15.5629% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0284% | 2,088 |
| Loan loss allowance to noncurrent loans | 102.1051% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 2.9565% | 1,772 |
| Noncurrent loans to loans | 1.9865% | 2,857 |
| Net loans and leases to total assets | 79.7893% | 521 |
| Net loans and leases to deposits | 97.9307% | 551 |
| Net loans and leases to core deposits | 144.9756% | 125 |
| Total domestic deposits to total assets | 81.4753% | 5,196 |
| Equity capital to assets | 12.3119% | 2,031 |
| Core capital (leverage) ratio | 12.5498% | 1,380 |
| Tier 1 risk-based capital ratio | 14.5342% | 4,163 |
| Total risk-based capital ratio | 15.7953% | 4,123 |
| Memoranda: | ||
| Average total assets | $699,112,250 | 950 |
| Average earning assets | $660,156,000 | 920 |
| Average equity | $87,214,500 | 797 |
| Average total loans | $583,504,500 | 708 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0716% | 1,592 |
| Cost of funding earning assets | 1.5146% | 230 |
| Net interest margin | 3.5570% | 4,432 |
| Noninterest income to average assets | 1.0609% | 1,277 |
| Noninterest expense to average assets | 2.0974% | 6,235 |
| Loan and lease loss provision to assets | 0.5222% | 1,199 |
| Net operating income to assets | 1.1182% | 1,987 |
| Return on assets (ROA) | 1.1839% | 1,970 |
| Pretax return on assets | 1.9042% | 838 |
| Return on Equity (ROE) | 9.4466% | 2,597 |
| Retained earnings to average equity (ytd only) | 8.0577% | 1,618 |
| Net charge-offs to loans | 0.0831% | 4,314 |
| Credit loss provision to net charge-offs | 746.8880% | 428 |
| Earnings coverage of net charge-offs (x) | 33.2365% | 1,002 |
| Efficiency ratio | 47.4409% | 6,807 |
| Assets per employee ($millions) | 8.9936% | 317 |
| Cash dividends to net income (ytd only)* | 14.7023% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8214% | 2,780 |
| Loan loss allowance to noncurrent loans | 70.4885% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 3.6532% | 1,440 |
| Noncurrent loans to loans | 2.5839% | 2,324 |
| Net loans and leases to total assets | 81.8193% | 344 |
| Net loans and leases to deposits | 101.3802% | 365 |
| Net loans and leases to core deposits | 154.9531% | 96 |
| Total domestic deposits to total assets | 80.7054% | 5,555 |
| Equity capital to assets | 12.5566% | 1,779 |
| Core capital (leverage) ratio | 12.6563% | 1,291 |
| Tier 1 risk-based capital ratio | 14.5273% | 4,084 |
| Total risk-based capital ratio | 15.7858% | 4,042 |
| Memoranda: | ||
| Average total assets | $689,423,000 | 958 |
| Average earning assets | $651,273,670 | 930 |
| Average equity | $86,401,670 | 798 |
| Average total loans | $580,326,330 | 712 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2387% | 1,232 |
| Cost of funding earning assets | 1.7332% | 112 |
| Net interest margin | 3.5054% | 4,668 |
| Noninterest income to average assets | 0.7990% | 2,174 |
| Noninterest expense to average assets | 2.0358% | 6,397 |
| Loan and lease loss provision to assets | 0.3512% | 1,780 |
| Net operating income to assets | 1.0767% | 2,182 |
| Return on assets (ROA) | 1.2093% | 1,888 |
| Pretax return on assets | 1.9362% | 822 |
| Return on Equity (ROE) | 9.6587% | 2,534 |
| Retained earnings to average equity (ytd only) | 8.2562% | 1,878 |
| Net charge-offs to loans | 0.0097% | 4,590 |
| Credit loss provision to net charge-offs | 4,285.7143% | 63 |
| Earnings coverage of net charge-offs (x) | 253.8571% | 140 |
| Efficiency ratio | 49.4596% | 6,709 |
| Assets per employee ($millions) | 8.9480% | 330 |
| Cash dividends to net income (ytd only)* | 14.5208% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6727% | 3,454 |
| Loan loss allowance to noncurrent loans | 40.7685% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 4.5047% | 1,187 |
| Noncurrent loans to loans | 4.1030% | 1,478 |
| Net loans and leases to total assets | 82.5517% | 245 |
| Net loans and leases to deposits | 101.4355% | 328 |
| Net loans and leases to core deposits | 157.9475% | 95 |
| Total domestic deposits to total assets | 81.3835% | 5,502 |
| Equity capital to assets | 12.5269% | 1,706 |
| Core capital (leverage) ratio | 12.5169% | 1,336 |
| Tier 1 risk-based capital ratio | 14.4989% | 4,109 |
| Total risk-based capital ratio | 15.7559% | 4,060 |
| Memoranda: | ||
| Average total assets | $683,383,000 | 966 |
| Average earning assets | $646,651,500 | 935 |
| Average equity | $85,560,000 | 803 |
| Average total loans | $578,183,000 | 716 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2271% | 1,955 |
| Cost of funding earning assets | 1.7911% | 220 |
| Net interest margin | 3.4360% | 5,379 |
| Noninterest income to average assets | 0.8006% | 2,056 |
| Noninterest expense to average assets | 1.8723% | 6,862 |
| Loan and lease loss provision to assets | 0.6592% | 1,545 |
| Net operating income to assets | 0.9730% | 2,309 |
| Return on assets (ROA) | 0.9730% | 2,445 |
| Pretax return on assets | 1.5367% | 1,376 |
| Return on Equity (ROE) | 8.9580% | 2,468 |
| Retained earnings to average equity (ytd only) | 7.3305% | 1,352 |
| Net charge-offs to loans | 1.4774% | 1,087 |
| Credit loss provision to net charge-offs | 51.8540% | 5,387 |
| Earnings coverage of net charge-offs (x) | 1.7273% | 4,480 |
| Efficiency ratio | 46.0224% | 7,043 |
| Assets per employee ($millions) | 8.8022% | 352 |
| Cash dividends to net income (ytd only)* | 18.1681% | 3,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5729% | 3,693 |
| Loan loss allowance to noncurrent loans | 36.5589% | 5,806 |
| Noncurrent assets plus other real estate owned to assets | 4.6339% | 1,180 |
| Noncurrent loans to loans | 4.3024% | 1,417 |
| Net loans and leases to total assets | 83.9255% | 210 |
| Net loans and leases to deposits | 103.3444% | 327 |
| Net loans and leases to core deposits | 167.3708% | 98 |
| Total domestic deposits to total assets | 81.2096% | 5,381 |
| Equity capital to assets | 12.5131% | 1,790 |
| Core capital (leverage) ratio | 12.2931% | 1,445 |
| Tier 1 risk-based capital ratio | 14.1518% | 4,217 |
| Total risk-based capital ratio | 15.4075% | 4,164 |
| Memoranda: | ||
| Average total assets | $678,836,800 | 954 |
| Average earning assets | $645,581,600 | 919 |
| Average equity | $73,733,200 | 917 |
| Average total loans | $584,130,200 | 718 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2504% | 2,030 |
| Cost of funding earning assets | 1.8429% | 217 |
| Net interest margin | 3.4075% | 5,547 |
| Noninterest income to average assets | 0.7563% | 2,282 |
| Noninterest expense to average assets | 1.8932% | 6,854 |
| Loan and lease loss provision to assets | 0.6823% | 1,416 |
| Net operating income to assets | 0.9045% | 2,724 |
| Return on assets (ROA) | 0.9045% | 2,861 |
| Pretax return on assets | 1.4258% | 1,864 |
| Return on Equity (ROE) | 8.6558% | 2,763 |
| Retained earnings to average equity (ytd only) | 6.9649% | 1,987 |
| Net charge-offs to loans | 1.0517% | 1,516 |
| Credit loss provision to net charge-offs | 75.2165% | 4,302 |
| Earnings coverage of net charge-offs (x) | 2.3240% | 3,964 |
| Efficiency ratio | 47.3160% | 6,997 |
| Assets per employee ($millions) | 8.6602% | 373 |
| Cash dividends to net income (ytd only)* | 19.5355% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0521% | 2,200 |
| Loan loss allowance to noncurrent loans | 49.0793% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 4.2314% | 1,442 |
| Noncurrent loans to loans | 4.1813% | 1,573 |
| Net loans and leases to total assets | 84.4221% | 195 |
| Net loans and leases to deposits | 103.3031% | 339 |
| Net loans and leases to core deposits | 170.1857% | 90 |
| Total domestic deposits to total assets | 81.7227% | 5,187 |
| Equity capital to assets | 12.1522% | 2,143 |
| Core capital (leverage) ratio | 12.1436% | 1,628 |
| Tier 1 risk-based capital ratio | 13.6353% | 4,630 |
| Total risk-based capital ratio | 14.8962% | 4,587 |
| Memoranda: | ||
| Average total assets | $679,103,250 | 967 |
| Average earning assets | $646,721,250 | 927 |
| Average equity | $70,964,000 | 957 |
| Average total loans | $585,684,500 | 724 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2776% | 1,964 |
| Cost of funding earning assets | 1.8928% | 215 |
| Net interest margin | 3.3848% | 5,597 |
| Noninterest income to average assets | 0.7844% | 2,096 |
| Noninterest expense to average assets | 1.8228% | 7,058 |
| Loan and lease loss provision to assets | 0.7160% | 1,314 |
| Net operating income to assets | 0.9312% | 2,512 |
| Return on assets (ROA) | 0.9312% | 2,617 |
| Pretax return on assets | 1.4735% | 1,604 |
| Return on Equity (ROE) | 9.4282% | 2,336 |
| Retained earnings to average equity (ytd only) | 7.6347% | 1,604 |
| Net charge-offs to loans | 1.2992% | 1,185 |
| Credit loss provision to net charge-offs | 63.8830% | 4,236 |
| Earnings coverage of net charge-offs (x) | 1.9536% | 3,886 |
| Efficiency ratio | 45.4305% | 7,181 |
| Assets per employee ($millions) | 9.1511% | 313 |
| Cash dividends to net income (ytd only)* | 19.0235% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0306% | 2,284 |
| Loan loss allowance to noncurrent loans | 73.2482% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 2.8825% | 2,332 |
| Noncurrent loans to loans | 2.7723% | 2,628 |
| Net loans and leases to total assets | 84.6038% | 203 |
| Net loans and leases to deposits | 100.9967% | 446 |
| Net loans and leases to core deposits | 171.3310% | 97 |
| Total domestic deposits to total assets | 83.7688% | 4,443 |
| Equity capital to assets | 10.0784% | 4,046 |
| Core capital (leverage) ratio | 9.8444% | 3,463 |
| Tier 1 risk-based capital ratio | 11.3428% | 6,288 |
| Total risk-based capital ratio | 12.6043% | 6,273 |
| Memoranda: | ||
| Average total assets | $677,419,330 | 978 |
| Average earning assets | $646,010,330 | 935 |
| Average equity | $66,905,330 | 1,008 |
| Average total loans | $584,353,000 | 733 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3410% | 1,749 |
| Cost of funding earning assets | 1.9472% | 209 |
| Net interest margin | 3.3938% | 5,453 |
| Noninterest income to average assets | 0.8850% | 1,710 |
| Noninterest expense to average assets | 1.8508% | 7,071 |
| Loan and lease loss provision to assets | 0.4428% | 1,989 |
| Net operating income to assets | 1.1418% | 1,695 |
| Return on assets (ROA) | 1.1418% | 1,739 |
| Pretax return on assets | 1.8337% | 768 |
| Return on Equity (ROE) | 11.6799% | 1,548 |
| Retained earnings to average equity (ytd only) | 9.8681% | 1,146 |
| Net charge-offs to loans | 0.2061% | 3,274 |
| Credit loss provision to net charge-offs | 249.1694% | 1,269 |
| Earnings coverage of net charge-offs (x) | 12.8106% | 1,478 |
| Efficiency ratio | 44.8434% | 7,250 |
| Assets per employee ($millions) | 9.6579% | 273 |
| Cash dividends to net income (ytd only)* | 15.5119% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3858% | 1,621 |
| Loan loss allowance to noncurrent loans | 96.6133% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 2.2610% | 2,991 |
| Noncurrent loans to loans | 2.4695% | 3,024 |
| Net loans and leases to total assets | 81.7020% | 368 |
| Net loans and leases to deposits | 96.5826% | 654 |
| Net loans and leases to core deposits | 172.1505% | 103 |
| Total domestic deposits to total assets | 84.5929% | 4,227 |
| Equity capital to assets | 9.7918% | 4,045 |
| Core capital (leverage) ratio | 9.8445% | 3,337 |
| Tier 1 risk-based capital ratio | 11.3460% | 6,217 |
| Total risk-based capital ratio | 12.6116% | 6,190 |
| Memoranda: | ||
| Average total assets | $677,539,500 | 989 |
| Average earning assets | $647,288,500 | 937 |
| Average equity | $66,233,500 | 1,011 |
| Average total loans | $584,132,500 | 742 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4053% | 2,650 |
| Cost of funding earning assets | 2.2490% | 256 |
| Net interest margin | 3.1563% | 6,373 |
| Noninterest income to average assets | 0.8615% | 2,008 |
| Noninterest expense to average assets | 1.6391% | 7,381 |
| Loan and lease loss provision to assets | 0.7059% | 2,323 |
| Net operating income to assets | 0.9766% | 2,119 |
| Return on assets (ROA) | 0.9766% | 2,231 |
| Pretax return on assets | 1.5380% | 1,280 |
| Return on Equity (ROE) | 10.5419% | 1,743 |
| Retained earnings to average equity (ytd only) | 8.5625% | 825 |
| Net charge-offs to loans | 0.7491% | 2,768 |
| Credit loss provision to net charge-offs | 108.0196% | 4,098 |
| Earnings coverage of net charge-offs (x) | 3.4335% | 3,359 |
| Efficiency ratio | 42.2123% | 7,458 |
| Assets per employee ($millions) | 9.5624% | 281 |
| Cash dividends to net income (ytd only)* | 18.7764% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2285% | 1,823 |
| Loan loss allowance to noncurrent loans | 93.5249% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 2.2025% | 3,096 |
| Noncurrent loans to loans | 2.3828% | 3,136 |
| Net loans and leases to total assets | 86.8113% | 142 |
| Net loans and leases to deposits | 102.7529% | 451 |
| Net loans and leases to core deposits | 185.3175% | 96 |
| Total domestic deposits to total assets | 84.4856% | 4,119 |
| Equity capital to assets | 9.7590% | 4,041 |
| Core capital (leverage) ratio | 9.7970% | 3,319 |
| Tier 1 risk-based capital ratio | 10.8216% | 6,469 |
| Total risk-based capital ratio | 12.0854% | 6,432 |
| Memoranda: | ||
| Average total assets | $654,437,400 | 1,016 |
| Average earning assets | $626,495,200 | 962 |
| Average equity | $60,625,000 | 1,099 |
| Average total loans | $570,958,400 | 787 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3966% | 2,903 |
| Cost of funding earning assets | 2.3202% | 253 |
| Net interest margin | 3.0764% | 6,669 |
| Noninterest income to average assets | 0.7329% | 2,621 |
| Noninterest expense to average assets | 1.6179% | 7,492 |
| Loan and lease loss provision to assets | 0.4959% | 2,985 |
| Net operating income to assets | 0.9815% | 2,298 |
| Return on assets (ROA) | 0.9815% | 2,415 |
| Pretax return on assets | 1.5644% | 1,432 |
| Return on Equity (ROE) | 10.7426% | 1,865 |
| Retained earnings to average equity (ytd only) | 8.7242% | 1,151 |
| Net charge-offs to loans | 0.4084% | 3,659 |
| Credit loss provision to net charge-offs | 139.8036% | 2,845 |
| Earnings coverage of net charge-offs (x) | 5.8088% | 2,674 |
| Efficiency ratio | 43.9864% | 7,463 |
| Assets per employee ($millions) | 10.1951% | 252 |
| Cash dividends to net income (ytd only)* | 18.7891% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3551% | 1,535 |
| Loan loss allowance to noncurrent loans | 94.0354% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 2.3686% | 3,009 |
| Noncurrent loans to loans | 2.5045% | 3,113 |
| Net loans and leases to total assets | 86.3560% | 175 |
| Net loans and leases to deposits | 101.3468% | 564 |
| Net loans and leases to core deposits | 189.9093% | 100 |
| Total domestic deposits to total assets | 85.2084% | 3,512 |
| Equity capital to assets | 9.8707% | 4,332 |
| Core capital (leverage) ratio | 9.7637% | 3,532 |
| Tier 1 risk-based capital ratio | 10.8188% | 6,529 |
| Total risk-based capital ratio | 12.0843% | 6,496 |
| Memoranda: | ||
| Average total assets | $650,704,250 | 1,037 |
| Average earning assets | $622,968,750 | 976 |
| Average equity | $59,450,250 | 1,120 |
| Average total loans | $565,114,500 | 800 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3473% | 3,228 |
| Cost of funding earning assets | 2.3982% | 239 |
| Net interest margin | 2.9491% | 6,936 |
| Noninterest income to average assets | 0.6987% | 2,714 |
| Noninterest expense to average assets | 1.5960% | 7,569 |
| Loan and lease loss provision to assets | 0.1600% | 5,290 |
| Net operating income to assets | 1.1014% | 1,848 |
| Return on assets (ROA) | 1.1014% | 1,918 |
| Pretax return on assets | 1.7652% | 939 |
| Return on Equity (ROE) | 12.3878% | 1,367 |
| Retained earnings to average equity (ytd only) | 10.3117% | 780 |
| Net charge-offs to loans | 0.3917% | 3,408 |
| Credit loss provision to net charge-offs | 47.3157% | 5,477 |
| Earnings coverage of net charge-offs (x) | 5.6943% | 2,615 |
| Efficiency ratio | 45.3259% | 7,467 |
| Assets per employee ($millions) | 10.4106% | 226 |
| Cash dividends to net income (ytd only)* | 16.7598% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2009% | 1,751 |
| Loan loss allowance to noncurrent loans | 84.0060% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 2.4122% | 2,980 |
| Noncurrent loans to loans | 2.6200% | 3,021 |
| Net loans and leases to total assets | 84.8281% | 295 |
| Net loans and leases to deposits | 98.7546% | 817 |
| Net loans and leases to core deposits | 202.4773% | 92 |
| Total domestic deposits to total assets | 85.8979% | 3,150 |
| Equity capital to assets | 9.1693% | 5,190 |
| Core capital (leverage) ratio | 8.9775% | 4,638 |
| Tier 1 risk-based capital ratio | 10.2753% | 6,855 |
| Total risk-based capital ratio | 11.5391% | 6,827 |
| Memoranda: | ||
| Average total assets | $650,110,330 | 1,043 |
| Average earning assets | $622,219,330 | 986 |
| Average equity | $57,798,670 | 1,146 |
| Average total loans | $561,135,670 | 815 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3315% | 3,384 |
| Cost of funding earning assets | 2.4779% | 239 |
| Net interest margin | 2.8535% | 7,094 |
| Noninterest income to average assets | 0.7774% | 2,136 |
| Noninterest expense to average assets | 1.5885% | 7,665 |
| Loan and lease loss provision to assets | 0.1349% | 5,211 |
| Net operating income to assets | 1.1115% | 1,795 |
| Return on assets (ROA) | 1.1115% | 1,877 |
| Pretax return on assets | 1.7835% | 905 |
| Return on Equity (ROE) | 12.6992% | 1,325 |
| Retained earnings to average equity (ytd only) | 12.6992% | 665 |
| Net charge-offs to loans | -0.0007% | 6,754 |
| Credit loss provision to net charge-offs | -22,000.0000% | 6,726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2972% | 7,578 |
| Assets per employee ($millions) | 10.4944% | 235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3706% | 1,462 |
| Loan loss allowance to noncurrent loans | 115.0346% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 1.8955% | 3,640 |
| Noncurrent loans to loans | 2.0608% | 3,705 |
| Net loans and leases to total assets | 83.0546% | 469 |
| Net loans and leases to deposits | 96.0814% | 1,095 |
| Net loans and leases to core deposits | 205.7150% | 99 |
| Total domestic deposits to total assets | 86.4420% | 2,922 |
| Equity capital to assets | 8.9245% | 5,387 |
| Core capital (leverage) ratio | 8.6244% | 5,164 |
| Tier 1 risk-based capital ratio | 10.3192% | 6,794 |
| Total risk-based capital ratio | 11.5853% | 6,779 |
| Memoranda: | ||
| Average total assets | $652,437,000 | 1,061 |
| Average earning assets | $624,067,500 | 1,000 |
| Average equity | $57,106,000 | 1,160 |
| Average total loans | $561,778,000 | 839 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5166% | 4,056 |
| Cost of funding earning assets | 3.0007% | 229 |
| Net interest margin | 2.5159% | 7,414 |
| Noninterest income to average assets | 0.7273% | 2,801 |
| Noninterest expense to average assets | 1.3812% | 7,844 |
| Loan and lease loss provision to assets | 1.4818% | 1,554 |
| Net operating income to assets | 0.2364% | 4,776 |
| Return on assets (ROA) | 0.2364% | 4,852 |
| Pretax return on assets | 0.2919% | 4,786 |
| Return on Equity (ROE) | 2.7440% | 4,608 |
| Retained earnings to average equity (ytd only) | 0.5604% | 4,588 |
| Net charge-offs to loans | 0.2978% | 4,769 |
| Credit loss provision to net charge-offs | 569.6805% | 526 |
| Earnings coverage of net charge-offs (x) | 6.8192% | 2,280 |
| Efficiency ratio | 43.7780% | 7,781 |
| Assets per employee ($millions) | 10.9037% | 214 |
| Cash dividends to net income (ytd only)* | 79.5756% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2632% | 1,544 |
| Loan loss allowance to noncurrent loans | 157.6947% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 1.3916% | 4,332 |
| Noncurrent loans to loans | 1.4352% | 4,520 |
| Net loans and leases to total assets | 85.1602% | 331 |
| Net loans and leases to deposits | 98.6083% | 1,044 |
| Net loans and leases to core deposits | 117.1897% | 2,213 |
| Total domestic deposits to total assets | 86.3621% | 2,832 |
| Equity capital to assets | 8.5818% | 5,753 |
| Core capital (leverage) ratio | 8.3987% | 5,444 |
| Tier 1 risk-based capital ratio | 9.7022% | 7,098 |
| Total risk-based capital ratio | 10.9629% | 7,066 |
| Memoranda: | ||
| Average total assets | $637,798,200 | 1,088 |
| Average earning assets | $615,396,400 | 1,013 |
| Average equity | $54,956,000 | 1,195 |
| Average total loans | $557,031,800 | 860 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4779% | 4,534 |
| Cost of funding earning assets | 3.0800% | 258 |
| Net interest margin | 2.3980% | 7,569 |
| Noninterest income to average assets | 0.7324% | 2,812 |
| Noninterest expense to average assets | 1.5054% | 7,886 |
| Loan and lease loss provision to assets | 0.5683% | 3,113 |
| Net operating income to assets | 0.6419% | 3,443 |
| Return on assets (ROA) | 0.6419% | 3,514 |
| Pretax return on assets | 0.9788% | 2,966 |
| Return on Equity (ROE) | 7.4423% | 2,889 |
| Retained earnings to average equity (ytd only) | 5.2469% | 2,346 |
| Net charge-offs to loans | 0.0657% | 6,035 |
| Credit loss provision to net charge-offs | 989.3773% | 379 |
| Earnings coverage of net charge-offs (x) | 26.9341% | 1,009 |
| Efficiency ratio | 49.3176% | 7,599 |
| Assets per employee ($millions) | 10.6649% | 230 |
| Cash dividends to net income (ytd only)* | 29.4985% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 4,381 |
| Loan loss allowance to noncurrent loans | 98.0997% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 1.2525% | 4,558 |
| Noncurrent loans to loans | 1.3452% | 4,686 |
| Net loans and leases to total assets | 85.2354% | 412 |
| Net loans and leases to deposits | 99.6358% | 1,138 |
| Net loans and leases to core deposits | 116.4512% | 2,576 |
| Total domestic deposits to total assets | 85.5470% | 2,946 |
| Equity capital to assets | 8.6210% | 6,083 |
| Core capital (leverage) ratio | 8.5612% | 5,372 |
| Tier 1 risk-based capital ratio | 9.7215% | 7,220 |
| Total risk-based capital ratio | 10.9742% | 7,178 |
| Memoranda: | ||
| Average total assets | $633,693,000 | 1,109 |
| Average earning assets | $613,109,500 | 1,033 |
| Average equity | $54,659,000 | 1,221 |
| Average total loans | $553,781,000 | 882 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4625% | 4,832 |
| Cost of funding earning assets | 3.1346% | 317 |
| Net interest margin | 2.3279% | 7,653 |
| Noninterest income to average assets | 0.7263% | 2,831 |
| Noninterest expense to average assets | 1.5167% | 7,964 |
| Loan and lease loss provision to assets | 0.3110% | 4,083 |
| Net operating income to assets | 0.7503% | 3,041 |
| Return on assets (ROA) | 0.7503% | 3,146 |
| Pretax return on assets | 1.1519% | 2,458 |
| Return on Equity (ROE) | 8.6975% | 2,466 |
| Retained earnings to average equity (ytd only) | 6.4703% | 1,809 |
| Net charge-offs to loans | 0.0982% | 5,187 |
| Credit loss provision to net charge-offs | 360.9665% | 1,284 |
| Earnings coverage of net charge-offs (x) | 16.9814% | 1,506 |
| Efficiency ratio | 50.9028% | 7,603 |
| Assets per employee ($millions) | 11.2969% | 192 |
| Cash dividends to net income (ytd only)* | 25.6082% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0403% | 5,966 |
| Loan loss allowance to noncurrent loans | 86.7055% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 1.1338% | 4,684 |
| Noncurrent loans to loans | 1.1999% | 4,817 |
| Net loans and leases to total assets | 85.8415% | 390 |
| Net loans and leases to deposits | 100.5911% | 1,227 |
| Net loans and leases to core deposits | 114.3127% | 2,878 |
| Total domestic deposits to total assets | 85.3370% | 3,092 |
| Equity capital to assets | 8.5481% | 5,979 |
| Core capital (leverage) ratio | 8.6166% | 5,234 |
| Tier 1 risk-based capital ratio | 9.6555% | 7,266 |
| Total risk-based capital ratio | 10.7213% | 7,371 |
| Memoranda: | ||
| Average total assets | $624,516,000 | 1,144 |
| Average earning assets | $604,488,670 | 1,063 |
| Average equity | $53,877,330 | 1,249 |
| Average total loans | $547,996,670 | 911 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4435% | 5,213 |
| Cost of funding earning assets | 3.1776% | 366 |
| Net interest margin | 2.2659% | 7,747 |
| Noninterest income to average assets | 0.6434% | 3,245 |
| Noninterest expense to average assets | 1.3500% | 8,060 |
| Loan and lease loss provision to assets | 0.3123% | 3,470 |
| Net operating income to assets | 0.7567% | 3,319 |
| Return on assets (ROA) | 0.7567% | 3,494 |
| Pretax return on assets | 1.1737% | 2,707 |
| Return on Equity (ROE) | 8.7289% | 2,832 |
| Retained earnings to average equity (ytd only) | 6.4772% | 2,425 |
| Net charge-offs to loans | -0.0022% | 7,118 |
| Credit loss provision to net charge-offs | -16,000.0000% | 6,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6027% | 7,750 |
| Assets per employee ($millions) | 11.0040% | 212 |
| Cash dividends to net income (ytd only)* | 25.7954% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 6,007 |
| Loan loss allowance to noncurrent loans | 85.3480% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 1.1401% | 4,395 |
| Noncurrent loans to loans | 1.1988% | 4,574 |
| Net loans and leases to total assets | 86.2428% | 411 |
| Net loans and leases to deposits | 100.7513% | 1,308 |
| Net loans and leases to core deposits | 114.3864% | 2,972 |
| Total domestic deposits to total assets | 85.5997% | 2,923 |
| Equity capital to assets | 8.6710% | 5,808 |
| Core capital (leverage) ratio | 8.7119% | 5,131 |
| Tier 1 risk-based capital ratio | 9.7205% | 7,228 |
| Total risk-based capital ratio | 10.7754% | 7,350 |
| Memoranda: | ||
| Average total assets | $614,813,000 | 1,160 |
| Average earning assets | $594,909,500 | 1,084 |
| Average equity | $53,294,500 | 1,271 |
| Average total loans | $542,713,500 | 926 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3242% | 3,831 |
| Cost of funding earning assets | 3.8306% | 181 |
| Net interest margin | 2.4936% | 7,763 |
| Noninterest income to average assets | 0.5373% | 4,338 |
| Noninterest expense to average assets | 1.3970% | 8,075 |
| Loan and lease loss provision to assets | 0.3885% | 3,360 |
| Net operating income to assets | 0.7479% | 3,684 |
| Return on assets (ROA) | 0.7479% | 3,522 |
| Pretax return on assets | 1.1473% | 2,845 |
| Return on Equity (ROE) | 8.7844% | 2,718 |
| Retained earnings to average equity (ytd only) | 6.2271% | 1,416 |
| Net charge-offs to loans | 0.3569% | 3,047 |
| Credit loss provision to net charge-offs | 124.4767% | 4,302 |
| Earnings coverage of net charge-offs (x) | 4.9209% | 3,812 |
| Efficiency ratio | 47.6335% | 7,836 |
| Assets per employee ($millions) | 10.7571% | 215 |
| Cash dividends to net income (ytd only)* | 29.1121% | 4,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 6,406 |
| Loan loss allowance to noncurrent loans | 166.1463% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.5105% | 5,653 |
| Noncurrent loans to loans | 0.5706% | 5,658 |
| Net loans and leases to total assets | 88.6103% | 313 |
| Net loans and leases to deposits | 103.7455% | 1,368 |
| Net loans and leases to core deposits | 118.1473% | 2,867 |
| Total domestic deposits to total assets | 85.4113% | 2,660 |
| Equity capital to assets | 8.6657% | 5,854 |
| Core capital (leverage) ratio | 8.5954% | 5,386 |
| Tier 1 risk-based capital ratio | 9.5637% | 7,238 |
| Total risk-based capital ratio | 10.5501% | 7,446 |
| Memoranda: | ||
| Average total assets | $551,118,000 | 1,233 |
| Average earning assets | $529,444,600 | 1,168 |
| Average equity | $46,924,200 | 1,454 |
| Average total loans | $481,871,200 | 998 |