Home > Legends Bank > Performance and Condition Ratios
Legends Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9873% | 2,091 |
| Cost of funding earning assets | 0.7264% | 3,884 |
| Net interest margin | 4.2609% | 855 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.1565% | 3,238 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.7892% | 625 |
| Return on assets (ROA) | 1.7892% | 600 |
| Pretax return on assets | 2.3319% | 413 |
| Return on Equity (ROE) | 11.4800% | 2,102 |
| Retained earnings to average equity (ytd only) | 10.8400% | 830 |
| Net charge-offs to loans | 0.0317% | 1,661 |
| Credit loss provision to net charge-offs | 260.8696% | 1,044 |
| Earnings coverage of net charge-offs (x) | 103.8609% | 884 |
| Efficiency ratio | 47.2614% | 4,132 |
| Assets per employee ($millions) | 5.5871% | 3,171 |
| Cash dividends to net income (ytd only)* | 5.5406% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1609% | 2,499 |
| Loan loss allowance to noncurrent loans | 267.2351% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.3194% | 1,666 |
| Noncurrent loans to loans | 0.4344% | 1,695 |
| Net loans and leases to total assets | 72.6800% | 1,505 |
| Net loans and leases to deposits | 88.2737% | 1,404 |
| Net loans and leases to core deposits | 96.8691% | 1,611 |
| Total domestic deposits to total assets | 82.3400% | 3,058 |
| Equity capital to assets | 16.2581% | 439 |
| Core capital (leverage) ratio | 16.6795% | 412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $499,328,400 | 1,726 |
| Average earning assets | $477,696,400 | 1,693 |
| Average equity | $77,850,800 | 1,157 |
| Average total loans | $362,896,400 | 1,567 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7949% | 2,277 |
| Cost of funding earning assets | 0.6466% | 3,881 |
| Net interest margin | 4.1483% | 991 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.1517% | 3,208 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.7100% | 785 |
| Return on assets (ROA) | 1.7100% | 773 |
| Pretax return on assets | 2.2286% | 538 |
| Return on Equity (ROE) | 11.0900% | 2,352 |
| Retained earnings to average equity (ytd only) | 10.2273% | 1,337 |
| Net charge-offs to loans | 0.0304% | 1,466 |
| Credit loss provision to net charge-offs | 274.3902% | 935 |
| Earnings coverage of net charge-offs (x) | 103.7805% | 903 |
| Efficiency ratio | 48.3009% | 4,026 |
| Assets per employee ($millions) | 5.5332% | 3,155 |
| Cash dividends to net income (ytd only)* | 7.7867% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 2,495 |
| Loan loss allowance to noncurrent loans | 266.4623% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.3204% | 1,741 |
| Noncurrent loans to loans | 0.4411% | 1,728 |
| Net loans and leases to total assets | 71.7800% | 1,602 |
| Net loans and leases to deposits | 87.5578% | 1,422 |
| Net loans and leases to core deposits | 95.3462% | 1,591 |
| Total domestic deposits to total assets | 81.9800% | 3,211 |
| Equity capital to assets | 15.6545% | 476 |
| Core capital (leverage) ratio | 16.5675% | 443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $495,656,500 | 1,739 |
| Average earning assets | $473,857,000 | 1,702 |
| Average equity | $76,421,250 | 1,161 |
| Average total loans | $359,125,250 | 1,578 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5882% | 2,435 |
| Cost of funding earning assets | 0.5639% | 3,846 |
| Net interest margin | 4.0243% | 1,202 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.1772% | 3,146 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.6006% | 951 |
| Return on assets (ROA) | 1.6006% | 950 |
| Pretax return on assets | 2.0847% | 643 |
| Return on Equity (ROE) | 10.4400% | 2,576 |
| Retained earnings to average equity (ytd only) | 9.1223% | 1,658 |
| Net charge-offs to loans | 0.0208% | 1,474 |
| Credit loss provision to net charge-offs | 405.4054% | 730 |
| Earnings coverage of net charge-offs (x) | 142.4324% | 773 |
| Efficiency ratio | 50.2025% | 3,910 |
| Assets per employee ($millions) | 5.3404% | 3,290 |
| Cash dividends to net income (ytd only)* | 12.5922% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 2,572 |
| Loan loss allowance to noncurrent loans | 299.5142% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.2871% | 1,771 |
| Noncurrent loans to loans | 0.3918% | 1,753 |
| Net loans and leases to total assets | 72.4100% | 1,478 |
| Net loans and leases to deposits | 86.9101% | 1,431 |
| Net loans and leases to core deposits | 92.1174% | 1,677 |
| Total domestic deposits to total assets | 83.3100% | 2,982 |
| Equity capital to assets | 15.3798% | 489 |
| Core capital (leverage) ratio | 16.5127% | 425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $491,190,333 | 1,747 |
| Average earning assets | $469,551,333 | 1,712 |
| Average equity | $75,331,667 | 1,167 |
| Average total loans | $355,579,000 | 1,577 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4215% | 2,492 |
| Cost of funding earning assets | 0.4608% | 3,805 |
| Net interest margin | 3.9606% | 1,344 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.1746% | 3,171 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.5612% | 1,055 |
| Return on assets (ROA) | 1.5612% | 1,049 |
| Pretax return on assets | 2.0305% | 731 |
| Return on Equity (ROE) | 10.1900% | 2,730 |
| Retained earnings to average equity (ytd only) | 7.5328% | 2,355 |
| Net charge-offs to loans | 0.0034% | 1,881 |
| Credit loss provision to net charge-offs | 2,500.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 847.0000% | 130 |
| Efficiency ratio | 50.8105% | 3,868 |
| Assets per employee ($millions) | 5.2145% | 3,494 |
| Cash dividends to net income (ytd only)* | 26.1076% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2018% | 2,542 |
| Loan loss allowance to noncurrent loans | 328.3410% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.2994% | 1,665 |
| Noncurrent loans to loans | 0.3660% | 1,834 |
| Net loans and leases to total assets | 72.4700% | 1,377 |
| Net loans and leases to deposits | 86.7871% | 1,297 |
| Net loans and leases to core deposits | 92.4078% | 1,484 |
| Total domestic deposits to total assets | 83.5100% | 3,193 |
| Equity capital to assets | 15.5611% | 434 |
| Core capital (leverage) ratio | 16.0064% | 468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $485,788,000 | 1,777 |
| Average earning assets | $464,369,500 | 1,739 |
| Average equity | $74,394,500 | 1,189 |
| Average total loans | $349,467,500 | 1,618 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8225% | 2,215 |
| Cost of funding earning assets | 0.2019% | 3,747 |
| Net interest margin | 3.6206% | 1,586 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.0412% | 3,467 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.4754% | 945 |
| Return on assets (ROA) | 1.4754% | 908 |
| Pretax return on assets | 1.9140% | 563 |
| Return on Equity (ROE) | 10.1600% | 2,759 |
| Retained earnings to average equity (ytd only) | 9.4759% | 1,322 |
| Net charge-offs to loans | 0.0150% | 1,826 |
| Credit loss provision to net charge-offs | 214.2857% | 1,075 |
| Earnings coverage of net charge-offs (x) | 189.8776% | 673 |
| Efficiency ratio | 50.8162% | 4,080 |
| Assets per employee ($millions) | 5.4677% | 3,252 |
| Cash dividends to net income (ytd only)* | 6.7550% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 2,484 |
| Loan loss allowance to noncurrent loans | 328.4441% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.2844% | 1,720 |
| Noncurrent loans to loans | 0.3595% | 1,855 |
| Net loans and leases to total assets | 69.6900% | 1,665 |
| Net loans and leases to deposits | 82.8608% | 1,552 |
| Net loans and leases to core deposits | 87.7755% | 1,623 |
| Total domestic deposits to total assets | 84.1100% | 3,183 |
| Equity capital to assets | 15.0682% | 464 |
| Core capital (leverage) ratio | 15.5870% | 503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $480,604,200 | 1,767 |
| Average earning assets | $461,661,200 | 1,727 |
| Average equity | $69,777,200 | 1,256 |
| Average total loans | $326,999,800 | 1,616 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6841% | 2,083 |
| Cost of funding earning assets | 0.1612% | 3,721 |
| Net interest margin | 3.5229% | 1,600 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.0571% | 3,328 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.3990% | 1,095 |
| Return on assets (ROA) | 1.3990% | 1,064 |
| Pretax return on assets | 1.8153% | 708 |
| Return on Equity (ROE) | 9.7300% | 2,808 |
| Retained earnings to average equity (ytd only) | 8.8022% | 1,726 |
| Net charge-offs to loans | 0.0087% | 1,812 |
| Credit loss provision to net charge-offs | 357.1429% | 742 |
| Earnings coverage of net charge-offs (x) | 314.1905% | 455 |
| Efficiency ratio | 52.3159% | 3,985 |
| Assets per employee ($millions) | 5.6108% | 3,116 |
| Cash dividends to net income (ytd only)* | 9.5285% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 2,475 |
| Loan loss allowance to noncurrent loans | 276.7077% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.3269% | 1,633 |
| Noncurrent loans to loans | 0.4373% | 1,713 |
| Net loans and leases to total assets | 66.9800% | 1,788 |
| Net loans and leases to deposits | 78.6639% | 1,666 |
| Net loans and leases to core deposits | 82.3757% | 1,737 |
| Total domestic deposits to total assets | 85.1500% | 3,247 |
| Equity capital to assets | 14.0696% | 562 |
| Core capital (leverage) ratio | 15.0325% | 549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $479,098,000 | 1,788 |
| Average earning assets | $460,739,000 | 1,737 |
| Average equity | $68,890,000 | 1,279 |
| Average total loans | $322,947,750 | 1,623 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6098% | 1,814 |
| Cost of funding earning assets | 0.1323% | 3,813 |
| Net interest margin | 3.4775% | 1,378 |
| Noninterest income to average assets | 0.5065% | 2,166 |
| Noninterest expense to average assets | 2.0729% | 3,225 |
| Loan and lease loss provision to assets | 0.0316% | 2,024 |
| Net operating income to assets | 1.3488% | 1,025 |
| Return on assets (ROA) | 1.3488% | 1,005 |
| Pretax return on assets | 1.7503% | 678 |
| Return on Equity (ROE) | 9.3104% | 2,594 |
| Retained earnings to average equity (ytd only) | 7.9159% | 1,650 |
| Net charge-offs to loans | 0.0150% | 1,457 |
| Credit loss provision to net charge-offs | 312.5000% | 788 |
| Earnings coverage of net charge-offs (x) | 176.0417% | 584 |
| Efficiency ratio | 53.2495% | 4,030 |
| Assets per employee ($millions) | 5.5189% | 3,208 |
| Cash dividends to net income (ytd only)* | 14.9781% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 2,509 |
| Loan loss allowance to noncurrent loans | 313.7984% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2932% | 1,832 |
| Noncurrent loans to loans | 0.3931% | 1,951 |
| Net loans and leases to total assets | 65.9780% | 1,696 |
| Net loans and leases to deposits | 77.4740% | 1,576 |
| Net loans and leases to core deposits | 81.1549% | 1,648 |
| Total domestic deposits to total assets | 85.1615% | 3,450 |
| Equity capital to assets | 14.0797% | 499 |
| Core capital (leverage) ratio | 14.8502% | 493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $474,215,000 | 1,809 |
| Average earning assets | $456,592,333 | 1,758 |
| Average equity | $68,697,333 | 1,311 |
| Average total loans | $319,001,333 | 1,638 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6596% | 1,368 |
| Cost of funding earning assets | 0.1222% | 3,873 |
| Net interest margin | 3.5374% | 1,015 |
| Noninterest income to average assets | 0.4956% | 2,164 |
| Noninterest expense to average assets | 2.1592% | 2,950 |
| Loan and lease loss provision to assets | 0.0644% | 1,260 |
| Net operating income to assets | 1.2909% | 1,021 |
| Return on assets (ROA) | 1.2909% | 1,013 |
| Pretax return on assets | 1.6791% | 713 |
| Return on Equity (ROE) | 8.7808% | 2,398 |
| Retained earnings to average equity (ytd only) | 5.9824% | 2,260 |
| Net charge-offs to loans | 0.0369% | 924 |
| Credit loss provision to net charge-offs | 258.6207% | 708 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 794 |
| Efficiency ratio | 54.7975% | 3,995 |
| Assets per employee ($millions) | 5.3824% | 3,412 |
| Cash dividends to net income (ytd only)* | 31.8696% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 2,504 |
| Loan loss allowance to noncurrent loans | 332.2104% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.2886% | 1,964 |
| Noncurrent loans to loans | 0.3820% | 2,118 |
| Net loans and leases to total assets | 66.4055% | 1,373 |
| Net loans and leases to deposits | 78.2966% | 1,266 |
| Net loans and leases to core deposits | 79.7694% | 1,500 |
| Total domestic deposits to total assets | 84.8128% | 3,584 |
| Equity capital to assets | 14.3662% | 468 |
| Core capital (leverage) ratio | 15.0152% | 429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $465,731,500 | 1,838 |
| Average earning assets | $448,574,000 | 1,795 |
| Average equity | $68,467,500 | 1,354 |
| Average total loans | $314,442,000 | 1,641 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7440% | 1,993 |
| Cost of funding earning assets | 0.1714% | 3,766 |
| Net interest margin | 3.5727% | 1,542 |
| Noninterest income to average assets | 0.5288% | 2,451 |
| Noninterest expense to average assets | 1.9881% | 3,713 |
| Loan and lease loss provision to assets | 0.0645% | 1,772 |
| Net operating income to assets | 1.4781% | 1,067 |
| Return on assets (ROA) | 1.4781% | 1,119 |
| Pretax return on assets | 1.9205% | 693 |
| Return on Equity (ROE) | 10.3965% | 2,387 |
| Retained earnings to average equity (ytd only) | 9.5386% | 1,036 |
| Net charge-offs to loans | 0.0412% | 1,441 |
| Credit loss provision to net charge-offs | 238.0952% | 1,200 |
| Earnings coverage of net charge-offs (x) | 73.2381% | 1,049 |
| Efficiency ratio | 49.5127% | 4,322 |
| Assets per employee ($millions) | 5.2622% | 3,508 |
| Cash dividends to net income (ytd only)* | 8.2521% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2881% | 2,419 |
| Loan loss allowance to noncurrent loans | 522.4837% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.2042% | 2,546 |
| Noncurrent loans to loans | 0.2465% | 2,741 |
| Net loans and leases to total assets | 66.9082% | 1,385 |
| Net loans and leases to deposits | 79.5828% | 1,249 |
| Net loans and leases to core deposits | 81.2925% | 1,503 |
| Total domestic deposits to total assets | 84.0737% | 3,541 |
| Equity capital to assets | 15.0476% | 490 |
| Core capital (leverage) ratio | 14.8952% | 478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $464,868,000 | 1,794 |
| Average earning assets | $448,178,600 | 1,738 |
| Average equity | $66,089,400 | 1,410 |
| Average total loans | $305,703,800 | 1,685 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6984% | 2,281 |
| Cost of funding earning assets | 0.1840% | 3,772 |
| Net interest margin | 3.5144% | 1,831 |
| Noninterest income to average assets | 0.5046% | 2,604 |
| Noninterest expense to average assets | 1.9832% | 3,734 |
| Loan and lease loss provision to assets | 0.0643% | 1,713 |
| Net operating income to assets | 1.4215% | 1,470 |
| Return on assets (ROA) | 1.4215% | 1,537 |
| Pretax return on assets | 1.8469% | 1,052 |
| Return on Equity (ROE) | 10.1441% | 2,687 |
| Retained earnings to average equity (ytd only) | 8.9880% | 1,699 |
| Net charge-offs to loans | 0.0245% | 1,549 |
| Credit loss provision to net charge-offs | 401.7857% | 851 |
| Earnings coverage of net charge-offs (x) | 119.4464% | 778 |
| Efficiency ratio | 50.3888% | 4,190 |
| Assets per employee ($millions) | 5.4493% | 3,250 |
| Cash dividends to net income (ytd only)* | 11.3970% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 2,545 |
| Loan loss allowance to noncurrent loans | 137.5129% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.6515% | 1,157 |
| Noncurrent loans to loans | 0.9373% | 1,224 |
| Net loans and leases to total assets | 65.2374% | 1,630 |
| Net loans and leases to deposits | 77.0572% | 1,568 |
| Net loans and leases to core deposits | 79.1501% | 1,804 |
| Total domestic deposits to total assets | 84.6610% | 3,242 |
| Equity capital to assets | 14.4057% | 651 |
| Core capital (leverage) ratio | 14.4283% | 570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $466,633,000 | 1,807 |
| Average earning assets | $450,094,250 | 1,760 |
| Average equity | $65,389,500 | 1,437 |
| Average total loans | $304,552,750 | 1,715 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6727% | 2,413 |
| Cost of funding earning assets | 0.1981% | 3,772 |
| Net interest margin | 3.4746% | 1,935 |
| Noninterest income to average assets | 0.4850% | 2,692 |
| Noninterest expense to average assets | 2.0173% | 3,648 |
| Loan and lease loss provision to assets | 0.0644% | 1,754 |
| Net operating income to assets | 1.3499% | 1,709 |
| Return on assets (ROA) | 1.3499% | 1,790 |
| Pretax return on assets | 1.7542% | 1,345 |
| Return on Equity (ROE) | 9.7244% | 2,866 |
| Retained earnings to average equity (ytd only) | 7.9713% | 2,081 |
| Net charge-offs to loans | 0.0462% | 1,169 |
| Credit loss provision to net charge-offs | 214.2857% | 1,019 |
| Earnings coverage of net charge-offs (x) | 60.5286% | 967 |
| Efficiency ratio | 52.0421% | 4,040 |
| Assets per employee ($millions) | 5.4237% | 3,217 |
| Cash dividends to net income (ytd only)* | 18.0286% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 2,534 |
| Loan loss allowance to noncurrent loans | 147.2830% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.5934% | 1,409 |
| Noncurrent loans to loans | 0.8695% | 1,413 |
| Net loans and leases to total assets | 63.7645% | 1,976 |
| Net loans and leases to deposits | 74.9459% | 1,915 |
| Net loans and leases to core deposits | 78.3710% | 2,017 |
| Total domestic deposits to total assets | 85.0807% | 3,058 |
| Equity capital to assets | 13.9493% | 724 |
| Core capital (leverage) ratio | 13.8187% | 657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $465,963,667 | 1,797 |
| Average earning assets | $449,374,333 | 1,760 |
| Average equity | $64,682,333 | 1,438 |
| Average total loans | $302,830,000 | 1,730 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5834% | 2,694 |
| Cost of funding earning assets | 0.2189% | 3,731 |
| Net interest margin | 3.3646% | 2,207 |
| Noninterest income to average assets | 0.4605% | 2,786 |
| Noninterest expense to average assets | 2.0060% | 3,700 |
| Loan and lease loss provision to assets | 0.0648% | 1,843 |
| Net operating income to assets | 1.2552% | 1,962 |
| Return on assets (ROA) | 1.2552% | 2,042 |
| Pretax return on assets | 1.6302% | 1,654 |
| Return on Equity (ROE) | 9.0652% | 3,013 |
| Retained earnings to average equity (ytd only) | 6.1516% | 2,839 |
| Net charge-offs to loans | 0.0742% | 827 |
| Credit loss provision to net charge-offs | 133.9286% | 1,014 |
| Earnings coverage of net charge-offs (x) | 35.0357% | 1,029 |
| Efficiency ratio | 53.6415% | 3,828 |
| Assets per employee ($millions) | 5.6941% | 2,916 |
| Cash dividends to net income (ytd only)* | 32.1404% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 2,546 |
| Loan loss allowance to noncurrent loans | 139.2534% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.6451% | 1,470 |
| Noncurrent loans to loans | 0.9165% | 1,476 |
| Net loans and leases to total assets | 62.8869% | 2,183 |
| Net loans and leases to deposits | 74.0065% | 2,117 |
| Net loans and leases to core deposits | 78.8391% | 2,109 |
| Total domestic deposits to total assets | 84.9749% | 3,104 |
| Equity capital to assets | 13.6478% | 754 |
| Core capital (leverage) ratio | 14.0022% | 652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $463,016,500 | 1,798 |
| Average earning assets | $445,939,500 | 1,756 |
| Average equity | $64,113,000 | 1,438 |
| Average total loans | $301,854,500 | 1,735 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3183% | 1,814 |
| Cost of funding earning assets | 0.3635% | 3,798 |
| Net interest margin | 3.9548% | 1,077 |
| Noninterest income to average assets | 0.5016% | 2,628 |
| Noninterest expense to average assets | 2.0098% | 4,122 |
| Loan and lease loss provision to assets | 0.2287% | 1,704 |
| Net operating income to assets | 1.5955% | 648 |
| Return on assets (ROA) | 1.5955% | 702 |
| Pretax return on assets | 2.0682% | 394 |
| Return on Equity (ROE) | 11.2431% | 1,543 |
| Retained earnings to average equity (ytd only) | 10.4958% | 494 |
| Net charge-offs to loans | 0.0479% | 2,112 |
| Credit loss provision to net charge-offs | 663.2653% | 1,034 |
| Earnings coverage of net charge-offs (x) | 66.6054% | 1,007 |
| Efficiency ratio | 46.1379% | 4,715 |
| Assets per employee ($millions) | 5.6678% | 2,664 |
| Cash dividends to net income (ytd only)* | 6.6461% | 3,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 2,600 |
| Loan loss allowance to noncurrent loans | 133.3450% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.6991% | 1,489 |
| Noncurrent loans to loans | 0.9473% | 1,493 |
| Net loans and leases to total assets | 65.9062% | 2,106 |
| Net loans and leases to deposits | 78.1339% | 2,059 |
| Net loans and leases to core deposits | 84.2702% | 2,012 |
| Total domestic deposits to total assets | 84.3504% | 3,000 |
| Equity capital to assets | 14.0542% | 781 |
| Core capital (leverage) ratio | 14.0308% | 681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $426,258,000 | 1,780 |
| Average earning assets | $410,135,600 | 1,734 |
| Average equity | $60,490,600 | 1,435 |
| Average total loans | $306,946,600 | 1,657 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4854% | 1,608 |
| Cost of funding earning assets | 0.3898% | 3,865 |
| Net interest margin | 4.0955% | 907 |
| Noninterest income to average assets | 0.5095% | 2,572 |
| Noninterest expense to average assets | 2.0638% | 4,018 |
| Loan and lease loss provision to assets | 0.2384% | 1,702 |
| Net operating income to assets | 1.6544% | 641 |
| Return on assets (ROA) | 1.6544% | 713 |
| Pretax return on assets | 2.1509% | 375 |
| Return on Equity (ROE) | 11.6280% | 1,472 |
| Retained earnings to average equity (ytd only) | 10.6182% | 652 |
| Net charge-offs to loans | 0.0455% | 1,972 |
| Credit loss provision to net charge-offs | 714.2857% | 1,055 |
| Earnings coverage of net charge-offs (x) | 71.5905% | 981 |
| Efficiency ratio | 45.8244% | 4,723 |
| Assets per employee ($millions) | 5.3420% | 2,846 |
| Cash dividends to net income (ytd only)* | 8.6840% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 2,902 |
| Loan loss allowance to noncurrent loans | 324.4207% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 2,801 |
| Noncurrent loans to loans | 0.3567% | 3,011 |
| Net loans and leases to total assets | 70.1120% | 1,932 |
| Net loans and leases to deposits | 83.4012% | 1,968 |
| Net loans and leases to core deposits | 91.1545% | 1,872 |
| Total domestic deposits to total assets | 84.0660% | 2,795 |
| Equity capital to assets | 14.0564% | 841 |
| Core capital (leverage) ratio | 13.9273% | 725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $419,466,750 | 1,777 |
| Average earning assets | $403,910,250 | 1,725 |
| Average equity | $59,682,000 | 1,441 |
| Average total loans | $308,019,000 | 1,653 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4752% | 1,989 |
| Cost of funding earning assets | 0.4242% | 3,928 |
| Net interest margin | 4.0510% | 1,213 |
| Noninterest income to average assets | 0.6022% | 2,121 |
| Noninterest expense to average assets | 2.1040% | 4,021 |
| Loan and lease loss provision to assets | 0.2187% | 1,908 |
| Net operating income to assets | 1.6710% | 649 |
| Return on assets (ROA) | 1.6710% | 708 |
| Pretax return on assets | 2.1735% | 373 |
| Return on Equity (ROE) | 11.6936% | 1,419 |
| Retained earnings to average equity (ytd only) | 10.1562% | 765 |
| Net charge-offs to loans | 0.0621% | 1,625 |
| Credit loss provision to net charge-offs | 473.6842% | 1,276 |
| Earnings coverage of net charge-offs (x) | 51.8105% | 1,076 |
| Efficiency ratio | 46.2653% | 4,714 |
| Assets per employee ($millions) | 5.2825% | 2,857 |
| Cash dividends to net income (ytd only)* | 13.1472% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 3,300 |
| Loan loss allowance to noncurrent loans | 378.5311% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.2890% | 3,166 |
| Noncurrent loans to loans | 0.2786% | 3,381 |
| Net loans and leases to total assets | 71.6807% | 1,770 |
| Net loans and leases to deposits | 85.2581% | 1,852 |
| Net loans and leases to core deposits | 93.3737% | 1,799 |
| Total domestic deposits to total assets | 84.0749% | 2,728 |
| Equity capital to assets | 13.8475% | 889 |
| Core capital (leverage) ratio | 13.9496% | 758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $411,493,667 | 1,776 |
| Average earning assets | $395,559,333 | 1,729 |
| Average equity | $58,801,333 | 1,447 |
| Average total loans | $305,856,333 | 1,639 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7182% | 1,659 |
| Cost of funding earning assets | 0.4949% | 3,967 |
| Net interest margin | 4.2233% | 878 |
| Noninterest income to average assets | 0.5005% | 2,547 |
| Noninterest expense to average assets | 2.2220% | 3,952 |
| Loan and lease loss provision to assets | 0.1507% | 1,891 |
| Net operating income to assets | 1.6773% | 537 |
| Return on assets (ROA) | 1.6773% | 592 |
| Pretax return on assets | 2.1758% | 312 |
| Return on Equity (ROE) | 11.5412% | 1,249 |
| Retained earnings to average equity (ytd only) | 8.4156% | 1,121 |
| Net charge-offs to loans | 0.0613% | 1,399 |
| Credit loss provision to net charge-offs | 326.0870% | 1,118 |
| Earnings coverage of net charge-offs (x) | 50.3261% | 895 |
| Efficiency ratio | 48.3208% | 4,740 |
| Assets per employee ($millions) | 4.8431% | 2,822 |
| Cash dividends to net income (ytd only)* | 27.0821% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 3,576 |
| Loan loss allowance to noncurrent loans | 189.7734% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.7185% | 1,866 |
| Noncurrent loans to loans | 0.5401% | 2,643 |
| Net loans and leases to total assets | 74.4507% | 1,541 |
| Net loans and leases to deposits | 88.7003% | 1,675 |
| Net loans and leases to core deposits | 97.6832% | 1,665 |
| Total domestic deposits to total assets | 83.9351% | 2,809 |
| Equity capital to assets | 14.6367% | 848 |
| Core capital (leverage) ratio | 14.5843% | 772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $398,017,500 | 1,773 |
| Average earning assets | $381,501,000 | 1,732 |
| Average equity | $57,845,000 | 1,457 |
| Average total loans | $299,969,000 | 1,647 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7104% | 2,296 |
| Cost of funding earning assets | 0.5506% | 3,869 |
| Net interest margin | 4.1598% | 1,396 |
| Noninterest income to average assets | 0.5762% | 2,332 |
| Noninterest expense to average assets | 2.2811% | 3,990 |
| Loan and lease loss provision to assets | 0.0934% | 2,165 |
| Net operating income to assets | 1.6499% | 738 |
| Return on assets (ROA) | 1.6499% | 789 |
| Pretax return on assets | 2.1879% | 393 |
| Return on Equity (ROE) | 11.8964% | 1,553 |
| Retained earnings to average equity (ytd only) | 11.0790% | 327 |
| Net charge-offs to loans | 0.1065% | 1,663 |
| Credit loss provision to net charge-offs | 116.5049% | 2,167 |
| Earnings coverage of net charge-offs (x) | 28.4595% | 1,627 |
| Efficiency ratio | 49.4456% | 4,763 |
| Assets per employee ($millions) | 4.8056% | 2,833 |
| Cash dividends to net income (ytd only)* | 6.8711% | 3,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 3,463 |
| Loan loss allowance to noncurrent loans | 194.2283% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.7631% | 1,696 |
| Noncurrent loans to loans | 0.5182% | 2,631 |
| Net loans and leases to total assets | 74.7528% | 1,625 |
| Net loans and leases to deposits | 88.7995% | 1,735 |
| Net loans and leases to core deposits | 98.0583% | 1,719 |
| Total domestic deposits to total assets | 84.1816% | 2,795 |
| Equity capital to assets | 14.4278% | 953 |
| Core capital (leverage) ratio | 14.3270% | 843 |
| Tier 1 risk-based capital ratio | 20.4723% | 1,254 |
| Total risk-based capital ratio | 21.5715% | 1,251 |
| Memoranda: | ||
| Average total assets | $385,477,800 | 1,781 |
| Average earning assets | $369,391,600 | 1,751 |
| Average equity | $53,461,600 | 1,511 |
| Average total loans | $290,227,200 | 1,645 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6912% | 2,447 |
| Cost of funding earning assets | 0.5649% | 3,845 |
| Net interest margin | 4.1262% | 1,561 |
| Noninterest income to average assets | 0.5913% | 2,253 |
| Noninterest expense to average assets | 2.2713% | 4,026 |
| Loan and lease loss provision to assets | 0.0939% | 2,030 |
| Net operating income to assets | 1.6424% | 838 |
| Return on assets (ROA) | 1.6424% | 884 |
| Pretax return on assets | 2.1791% | 470 |
| Return on Equity (ROE) | 11.9662% | 1,634 |
| Retained earnings to average equity (ytd only) | 10.8588% | 556 |
| Net charge-offs to loans | 0.1008% | 1,466 |
| Credit loss provision to net charge-offs | 123.8532% | 1,901 |
| Earnings coverage of net charge-offs (x) | 29.9770% | 1,627 |
| Efficiency ratio | 49.4221% | 4,777 |
| Assets per employee ($millions) | 4.6399% | 2,988 |
| Cash dividends to net income (ytd only)* | 9.2545% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 3,387 |
| Loan loss allowance to noncurrent loans | 176.4429% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.8714% | 1,572 |
| Noncurrent loans to loans | 0.5848% | 2,533 |
| Net loans and leases to total assets | 74.6139% | 1,699 |
| Net loans and leases to deposits | 88.5644% | 1,854 |
| Net loans and leases to core deposits | 98.0563% | 1,821 |
| Total domestic deposits to total assets | 84.2483% | 2,732 |
| Equity capital to assets | 14.3493% | 1,025 |
| Core capital (leverage) ratio | 14.0014% | 980 |
| Tier 1 risk-based capital ratio | 20.3746% | 1,306 |
| Total risk-based capital ratio | 21.5025% | 1,295 |
| Memoranda: | ||
| Average total assets | $383,332,500 | 1,805 |
| Average earning assets | $367,235,250 | 1,770 |
| Average equity | $52,613,500 | 1,529 |
| Average total loans | $288,392,750 | 1,663 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6218% | 2,606 |
| Cost of funding earning assets | 0.5660% | 3,806 |
| Net interest margin | 4.0558% | 1,738 |
| Noninterest income to average assets | 0.5743% | 2,267 |
| Noninterest expense to average assets | 2.2830% | 4,046 |
| Loan and lease loss provision to assets | 0.0941% | 1,973 |
| Net operating income to assets | 1.5713% | 970 |
| Return on assets (ROA) | 1.5713% | 1,009 |
| Pretax return on assets | 2.0839% | 573 |
| Return on Equity (ROE) | 11.6255% | 1,728 |
| Retained earnings to average equity (ytd only) | 9.9360% | 779 |
| Net charge-offs to loans | 0.1196% | 1,237 |
| Credit loss provision to net charge-offs | 104.6512% | 1,905 |
| Earnings coverage of net charge-offs (x) | 24.2326% | 1,632 |
| Efficiency ratio | 50.6033% | 4,748 |
| Assets per employee ($millions) | 4.7269% | 2,835 |
| Cash dividends to net income (ytd only)* | 14.5328% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0126% | 3,550 |
| Loan loss allowance to noncurrent loans | 207.7410% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.7211% | 1,910 |
| Noncurrent loans to loans | 0.4874% | 2,819 |
| Net loans and leases to total assets | 73.5566% | 1,954 |
| Net loans and leases to deposits | 86.5218% | 2,201 |
| Net loans and leases to core deposits | 96.6412% | 2,006 |
| Total domestic deposits to total assets | 85.0151% | 2,469 |
| Equity capital to assets | 13.6230% | 1,272 |
| Core capital (leverage) ratio | 13.6852% | 1,055 |
| Tier 1 risk-based capital ratio | 18.5891% | 1,645 |
| Total risk-based capital ratio | 19.6367% | 1,661 |
| Memoranda: | ||
| Average total assets | $382,739,000 | 1,811 |
| Average earning assets | $366,785,670 | 1,774 |
| Average equity | $51,731,000 | 1,544 |
| Average total loans | $287,742,330 | 1,671 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5791% | 2,608 |
| Cost of funding earning assets | 0.5466% | 3,839 |
| Net interest margin | 4.0325% | 1,743 |
| Noninterest income to average assets | 0.5726% | 2,174 |
| Noninterest expense to average assets | 2.3316% | 3,946 |
| Loan and lease loss provision to assets | 0.0953% | 1,835 |
| Net operating income to assets | 1.5124% | 1,083 |
| Return on assets (ROA) | 1.5124% | 1,111 |
| Pretax return on assets | 2.0109% | 631 |
| Return on Equity (ROE) | 11.2359% | 1,851 |
| Retained earnings to average equity (ytd only) | 7.7999% | 1,737 |
| Net charge-offs to loans | 0.1245% | 999 |
| Credit loss provision to net charge-offs | 101.1236% | 1,558 |
| Earnings coverage of net charge-offs (x) | 22.3596% | 1,504 |
| Efficiency ratio | 51.9676% | 4,702 |
| Assets per employee ($millions) | 4.6355% | 2,996 |
| Cash dividends to net income (ytd only)* | 30.5808% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 3,565 |
| Loan loss allowance to noncurrent loans | 224.9809% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.7124% | 1,974 |
| Noncurrent loans to loans | 0.4550% | 2,952 |
| Net loans and leases to total assets | 74.9143% | 1,658 |
| Net loans and leases to deposits | 88.1533% | 1,853 |
| Net loans and leases to core deposits | 97.6369% | 1,804 |
| Total domestic deposits to total assets | 84.9818% | 2,683 |
| Equity capital to assets | 13.5536% | 1,189 |
| Core capital (leverage) ratio | 13.6733% | 1,037 |
| Tier 1 risk-based capital ratio | 18.5815% | 1,636 |
| Total risk-based capital ratio | 19.6509% | 1,631 |
| Memoranda: | ||
| Average total assets | $377,940,500 | 1,847 |
| Average earning assets | $362,253,500 | 1,801 |
| Average equity | $50,872,500 | 1,558 |
| Average total loans | $285,843,000 | 1,688 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4003% | 2,757 |
| Cost of funding earning assets | 0.3714% | 4,147 |
| Net interest margin | 4.0289% | 1,895 |
| Noninterest income to average assets | 0.4833% | 2,925 |
| Noninterest expense to average assets | 2.3326% | 4,040 |
| Loan and lease loss provision to assets | 0.0995% | 2,196 |
| Net operating income to assets | 1.4483% | 1,281 |
| Return on assets (ROA) | 1.4483% | 1,266 |
| Pretax return on assets | 1.9068% | 708 |
| Return on Equity (ROE) | 10.9549% | 2,102 |
| Retained earnings to average equity (ytd only) | 9.2221% | 800 |
| Net charge-offs to loans | 0.0262% | 2,888 |
| Credit loss provision to net charge-offs | 507.0423% | 685 |
| Earnings coverage of net charge-offs (x) | 102.2535% | 733 |
| Efficiency ratio | 53.1431% | 4,702 |
| Assets per employee ($millions) | 4.5273% | 3,123 |
| Cash dividends to net income (ytd only)* | 15.8176% | 3,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0367% | 3,462 |
| Loan loss allowance to noncurrent loans | 208.3510% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.7499% | 1,855 |
| Noncurrent loans to loans | 0.4976% | 2,780 |
| Net loans and leases to total assets | 74.7903% | 1,799 |
| Net loans and leases to deposits | 87.7942% | 2,067 |
| Net loans and leases to core deposits | 97.4128% | 1,922 |
| Total domestic deposits to total assets | 85.1882% | 2,565 |
| Equity capital to assets | 13.3662% | 1,197 |
| Core capital (leverage) ratio | 13.5492% | 1,062 |
| Tier 1 risk-based capital ratio | 19.3428% | 1,439 |
| Total risk-based capital ratio | 20.4782% | 1,433 |
| Memoranda: | ||
| Average total assets | $361,863,800 | 1,868 |
| Average earning assets | $346,294,400 | 1,831 |
| Average equity | $47,841,600 | 1,575 |
| Average total loans | $271,088,000 | 1,722 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3439% | 2,808 |
| Cost of funding earning assets | 0.3420% | 4,237 |
| Net interest margin | 4.0019% | 1,947 |
| Noninterest income to average assets | 0.5733% | 2,461 |
| Noninterest expense to average assets | 2.3423% | 3,990 |
| Loan and lease loss provision to assets | 0.1004% | 1,991 |
| Net operating income to assets | 1.4859% | 1,234 |
| Return on assets (ROA) | 1.4859% | 1,232 |
| Pretax return on assets | 1.9613% | 694 |
| Return on Equity (ROE) | 11.2713% | 2,062 |
| Retained earnings to average equity (ytd only) | 9.7756% | 987 |
| Net charge-offs to loans | 0.0289% | 2,521 |
| Credit loss provision to net charge-offs | 465.5172% | 743 |
| Earnings coverage of net charge-offs (x) | 95.5535% | 782 |
| Efficiency ratio | 52.5680% | 4,751 |
| Assets per employee ($millions) | 4.4785% | 3,155 |
| Cash dividends to net income (ytd only)* | 13.2699% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 3,577 |
| Loan loss allowance to noncurrent loans | 224.1595% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.8060% | 1,829 |
| Noncurrent loans to loans | 0.4601% | 3,006 |
| Net loans and leases to total assets | 74.9180% | 1,828 |
| Net loans and leases to deposits | 87.6916% | 2,192 |
| Net loans and leases to core deposits | 96.5975% | 2,059 |
| Total domestic deposits to total assets | 85.4335% | 2,437 |
| Equity capital to assets | 13.3455% | 1,190 |
| Core capital (leverage) ratio | 13.5837% | 1,069 |
| Tier 1 risk-based capital ratio | 19.5495% | 1,427 |
| Total risk-based capital ratio | 20.6891% | 1,417 |
| Memoranda: | ||
| Average total assets | $358,387,750 | 1,888 |
| Average earning assets | $343,058,750 | 1,843 |
| Average equity | $47,245,500 | 1,590 |
| Average total loans | $267,864,500 | 1,745 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2818% | 2,829 |
| Cost of funding earning assets | 0.3109% | 4,343 |
| Net interest margin | 3.9709% | 1,957 |
| Noninterest income to average assets | 0.5970% | 2,335 |
| Noninterest expense to average assets | 2.3543% | 4,014 |
| Loan and lease loss provision to assets | 0.1013% | 1,922 |
| Net operating income to assets | 1.4765% | 1,209 |
| Return on assets (ROA) | 1.4765% | 1,211 |
| Pretax return on assets | 1.9435% | 698 |
| Return on Equity (ROE) | 11.2480% | 2,016 |
| Retained earnings to average equity (ytd only) | 8.9761% | 1,228 |
| Net charge-offs to loans | 0.0227% | 2,422 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 121.1333% | 611 |
| Efficiency ratio | 52.8908% | 4,796 |
| Assets per employee ($millions) | 4.4611% | 3,183 |
| Cash dividends to net income (ytd only)* | 20.1982% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 3,558 |
| Loan loss allowance to noncurrent loans | 219.4836% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.8241% | 1,816 |
| Noncurrent loans to loans | 0.4763% | 3,007 |
| Net loans and leases to total assets | 73.4859% | 2,036 |
| Net loans and leases to deposits | 86.0405% | 2,302 |
| Net loans and leases to core deposits | 93.5774% | 2,257 |
| Total domestic deposits to total assets | 85.4085% | 2,526 |
| Equity capital to assets | 13.1970% | 1,226 |
| Core capital (leverage) ratio | 13.3460% | 1,117 |
| Tier 1 risk-based capital ratio | 19.6031% | 1,402 |
| Total risk-based capital ratio | 20.7537% | 1,391 |
| Memoranda: | ||
| Average total assets | $355,437,330 | 1,910 |
| Average earning assets | $340,324,000 | 1,864 |
| Average equity | $46,657,330 | 1,612 |
| Average total loans | $264,487,670 | 1,767 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2326% | 2,776 |
| Cost of funding earning assets | 0.3071% | 4,302 |
| Net interest margin | 3.9255% | 1,947 |
| Noninterest income to average assets | 0.6207% | 2,169 |
| Noninterest expense to average assets | 2.3922% | 3,967 |
| Loan and lease loss provision to assets | 0.1021% | 1,821 |
| Net operating income to assets | 1.4389% | 1,229 |
| Return on assets (ROA) | 1.4389% | 1,234 |
| Pretax return on assets | 1.8838% | 756 |
| Return on Equity (ROE) | 10.9920% | 1,970 |
| Retained earnings to average equity (ytd only) | 7.2645% | 2,160 |
| Net charge-offs to loans | 0.0472% | 1,646 |
| Credit loss provision to net charge-offs | 290.3226% | 839 |
| Earnings coverage of net charge-offs (x) | 56.4516% | 876 |
| Efficiency ratio | 54.0176% | 4,796 |
| Assets per employee ($millions) | 4.4939% | 3,174 |
| Cash dividends to net income (ytd only)* | 33.9117% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 3,768 |
| Loan loss allowance to noncurrent loans | 201.1861% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.8701% | 1,823 |
| Noncurrent loans to loans | 0.5129% | 2,980 |
| Net loans and leases to total assets | 73.3188% | 1,978 |
| Net loans and leases to deposits | 86.0916% | 2,157 |
| Net loans and leases to core deposits | 94.0923% | 2,126 |
| Total domestic deposits to total assets | 85.1637% | 2,875 |
| Equity capital to assets | 13.0823% | 1,197 |
| Core capital (leverage) ratio | 13.2900% | 1,074 |
| Tier 1 risk-based capital ratio | 18.4731% | 1,703 |
| Total risk-based capital ratio | 19.5475% | 1,711 |
| Memoranda: | ||
| Average total assets | $352,482,500 | 1,940 |
| Average earning assets | $337,379,500 | 1,887 |
| Average equity | $46,142,500 | 1,641 |
| Average total loans | $262,559,500 | 1,784 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1018% | 3,051 |
| Cost of funding earning assets | 0.2511% | 4,550 |
| Net interest margin | 3.8507% | 2,249 |
| Noninterest income to average assets | 0.5819% | 2,543 |
| Noninterest expense to average assets | 2.3579% | 4,185 |
| Loan and lease loss provision to assets | 0.1048% | 2,139 |
| Net operating income to assets | 1.0730% | 1,967 |
| Return on assets (ROA) | 1.0730% | 1,985 |
| Pretax return on assets | 1.7891% | 814 |
| Return on Equity (ROE) | 7.1409% | 3,203 |
| Retained earnings to average equity (ytd only) | -11.6413% | 5,557 |
| Net charge-offs to loans | 0.0994% | 2,081 |
| Credit loss provision to net charge-offs | 142.8571% | 1,853 |
| Earnings coverage of net charge-offs (x) | 25.8175% | 1,698 |
| Efficiency ratio | 54.7926% | 4,879 |
| Assets per employee ($millions) | 4.2162% | 3,628 |
| Cash dividends to net income (ytd only)* | 263.0222% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 3,861 |
| Loan loss allowance to noncurrent loans | 149.2411% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.9873% | 1,569 |
| Noncurrent loans to loans | 0.6787% | 2,513 |
| Net loans and leases to total assets | 74.1412% | 1,896 |
| Net loans and leases to deposits | 87.0376% | 2,125 |
| Net loans and leases to core deposits | 94.0241% | 2,191 |
| Total domestic deposits to total assets | 85.1830% | 2,764 |
| Equity capital to assets | 13.0993% | 1,216 |
| Core capital (leverage) ratio | 13.1885% | 1,080 |
| Tier 1 risk-based capital ratio | 18.0712% | 1,781 |
| Total risk-based capital ratio | 19.1207% | 1,787 |
| Memoranda: | ||
| Average total assets | $343,526,600 | 1,948 |
| Average earning assets | $327,393,400 | 1,901 |
| Average equity | $51,617,800 | 1,483 |
| Average total loans | $253,401,200 | 1,797 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0580% | 3,144 |
| Cost of funding earning assets | 0.2448% | 4,613 |
| Net interest margin | 3.8132% | 2,349 |
| Noninterest income to average assets | 0.5806% | 2,579 |
| Noninterest expense to average assets | 2.3521% | 4,149 |
| Loan and lease loss provision to assets | 0.1053% | 2,007 |
| Net operating income to assets | 1.1355% | 1,931 |
| Return on assets (ROA) | 1.1355% | 1,990 |
| Pretax return on assets | 1.7555% | 988 |
| Return on Equity (ROE) | 7.3170% | 3,488 |
| Retained earnings to average equity (ytd only) | 6.0054% | 2,235 |
| Net charge-offs to loans | 0.1099% | 1,692 |
| Credit loss provision to net charge-offs | 130.4348% | 1,886 |
| Earnings coverage of net charge-offs (x) | 23.0534% | 1,834 |
| Efficiency ratio | 55.1555% | 4,834 |
| Assets per employee ($millions) | 4.1962% | 3,652 |
| Cash dividends to net income (ytd only)* | 17.9258% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 4,017 |
| Loan loss allowance to noncurrent loans | 143.0921% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 1.0041% | 1,692 |
| Noncurrent loans to loans | 0.7032% | 2,600 |
| Net loans and leases to total assets | 74.6215% | 1,818 |
| Net loans and leases to deposits | 90.2158% | 1,781 |
| Net loans and leases to core deposits | 96.5536% | 2,019 |
| Total domestic deposits to total assets | 82.7144% | 3,546 |
| Equity capital to assets | 15.8252% | 574 |
| Core capital (leverage) ratio | 15.6983% | 537 |
| Tier 1 risk-based capital ratio | 21.4427% | 1,124 |
| Total risk-based capital ratio | 22.4812% | 1,142 |
| Memoranda: | ||
| Average total assets | $341,922,500 | 1,971 |
| Average earning assets | $325,700,500 | 1,927 |
| Average equity | $53,062,250 | 1,463 |
| Average total loans | $251,224,750 | 1,817 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9814% | 3,274 |
| Cost of funding earning assets | 0.2372% | 4,664 |
| Net interest margin | 3.7442% | 2,495 |
| Noninterest income to average assets | 0.5756% | 2,579 |
| Noninterest expense to average assets | 2.3781% | 4,122 |
| Loan and lease loss provision to assets | 0.1055% | 1,925 |
| Net operating income to assets | 1.0762% | 2,099 |
| Return on assets (ROA) | 1.0762% | 2,147 |
| Pretax return on assets | 1.6542% | 1,183 |
| Return on Equity (ROE) | 6.9812% | 3,563 |
| Retained earnings to average equity (ytd only) | 4.9963% | 2,710 |
| Net charge-offs to loans | 0.0314% | 2,572 |
| Credit loss provision to net charge-offs | 461.5385% | 702 |
| Earnings coverage of net charge-offs (x) | 76.9744% | 790 |
| Efficiency ratio | 56.7786% | 4,732 |
| Assets per employee ($millions) | 4.2622% | 3,504 |
| Cash dividends to net income (ytd only)* | 28.4314% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0577% | 3,804 |
| Loan loss allowance to noncurrent loans | 105.4531% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 1.2357% | 1,370 |
| Noncurrent loans to loans | 1.0030% | 1,955 |
| Net loans and leases to total assets | 72.8299% | 2,074 |
| Net loans and leases to deposits | 87.6268% | 2,032 |
| Net loans and leases to core deposits | 93.3153% | 2,213 |
| Total domestic deposits to total assets | 83.1138% | 3,531 |
| Equity capital to assets | 15.4605% | 623 |
| Core capital (leverage) ratio | 15.5890% | 531 |
| Tier 1 risk-based capital ratio | 21.5169% | 1,116 |
| Total risk-based capital ratio | 22.6066% | 1,118 |
| Memoranda: | ||
| Average total assets | $341,200,000 | 1,974 |
| Average earning assets | $324,611,670 | 1,936 |
| Average equity | $52,598,670 | 1,474 |
| Average total loans | $248,508,000 | 1,834 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9218% | 3,316 |
| Cost of funding earning assets | 0.2246% | 4,760 |
| Net interest margin | 3.6973% | 2,492 |
| Noninterest income to average assets | 0.6474% | 2,193 |
| Noninterest expense to average assets | 2.4518% | 3,960 |
| Loan and lease loss provision to assets | 0.1061% | 1,800 |
| Net operating income to assets | 1.0366% | 2,139 |
| Return on assets (ROA) | 1.0366% | 2,187 |
| Pretax return on assets | 1.6039% | 1,229 |
| Return on Equity (ROE) | 6.7343% | 3,528 |
| Retained earnings to average equity (ytd only) | 2.7351% | 4,039 |
| Net charge-offs to loans | 0.0212% | 2,356 |
| Credit loss provision to net charge-offs | 692.3077% | 465 |
| Earnings coverage of net charge-offs (x) | 111.5385% | 488 |
| Efficiency ratio | 58.2318% | 4,689 |
| Assets per employee ($millions) | 4.1688% | 3,718 |
| Cash dividends to net income (ytd only)* | 59.3857% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0695% | 3,885 |
| Loan loss allowance to noncurrent loans | 86.6865% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 1.7315% | 852 |
| Noncurrent loans to loans | 1.2338% | 1,638 |
| Net loans and leases to total assets | 71.0045% | 2,222 |
| Net loans and leases to deposits | 85.4241% | 2,098 |
| Net loans and leases to core deposits | 90.5291% | 2,308 |
| Total domestic deposits to total assets | 83.1200% | 3,792 |
| Equity capital to assets | 15.3325% | 587 |
| Core capital (leverage) ratio | 15.5193% | 522 |
| Tier 1 risk-based capital ratio | 21.6938% | 1,122 |
| Total risk-based capital ratio | 22.7881% | 1,129 |
| Memoranda: | ||
| Average total assets | $339,180,000 | 1,995 |
| Average earning assets | $322,401,500 | 1,956 |
| Average equity | $52,210,000 | 1,478 |
| Average total loans | $245,699,000 | 1,859 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9777% | 3,278 |
| Cost of funding earning assets | 0.2098% | 4,926 |
| Net interest margin | 3.7680% | 2,439 |
| Noninterest income to average assets | 0.6244% | 2,533 |
| Noninterest expense to average assets | 2.4062% | 4,288 |
| Loan and lease loss provision to assets | 0.0997% | 2,389 |
| Net operating income to assets | 1.1052% | 1,880 |
| Return on assets (ROA) | 1.1052% | 1,972 |
| Pretax return on assets | 1.7055% | 990 |
| Return on Equity (ROE) | 6.9156% | 3,512 |
| Retained earnings to average equity (ytd only) | 5.9194% | 1,753 |
| Net charge-offs to loans | 0.0985% | 2,307 |
| Credit loss provision to net charge-offs | 139.3805% | 1,957 |
| Earnings coverage of net charge-offs (x) | 25.2389% | 1,596 |
| Efficiency ratio | 56.7295% | 4,986 |
| Assets per employee ($millions) | 4.0544% | 3,862 |
| Cash dividends to net income (ytd only)* | 14.4044% | 3,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 4,110 |
| Loan loss allowance to noncurrent loans | 78.8057% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 1.8626% | 775 |
| Noncurrent loans to loans | 1.3136% | 1,562 |
| Net loans and leases to total assets | 72.3598% | 2,117 |
| Net loans and leases to deposits | 87.0804% | 2,040 |
| Net loans and leases to core deposits | 92.5163% | 2,250 |
| Total domestic deposits to total assets | 83.0954% | 3,739 |
| Equity capital to assets | 15.4545% | 572 |
| Core capital (leverage) ratio | 15.4871% | 533 |
| Tier 1 risk-based capital ratio | 21.6323% | 1,126 |
| Total risk-based capital ratio | 22.6974% | 1,130 |
| Memoranda: | ||
| Average total assets | $315,973,000 | 2,087 |
| Average earning assets | $300,798,200 | 2,037 |
| Average equity | $50,494,600 | 1,505 |
| Average total loans | $229,534,600 | 1,908 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9315% | 3,486 |
| Cost of funding earning assets | 0.2039% | 5,032 |
| Net interest margin | 3.7276% | 2,605 |
| Noninterest income to average assets | 0.6537% | 2,402 |
| Noninterest expense to average assets | 2.4458% | 4,144 |
| Loan and lease loss provision to assets | 0.0965% | 2,297 |
| Net operating income to assets | 1.0796% | 2,083 |
| Return on assets (ROA) | 1.0796% | 2,189 |
| Pretax return on assets | 1.6630% | 1,215 |
| Return on Equity (ROE) | 6.6962% | 3,725 |
| Retained earnings to average equity (ytd only) | 5.3581% | 2,580 |
| Net charge-offs to loans | 0.0816% | 2,153 |
| Credit loss provision to net charge-offs | 163.0435% | 1,680 |
| Earnings coverage of net charge-offs (x) | 29.7239% | 1,499 |
| Efficiency ratio | 57.8539% | 4,831 |
| Assets per employee ($millions) | 4.1799% | 3,632 |
| Cash dividends to net income (ytd only)* | 19.9841% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 4,164 |
| Loan loss allowance to noncurrent loans | 73.3852% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 1.9647% | 797 |
| Noncurrent loans to loans | 1.4224% | 1,531 |
| Net loans and leases to total assets | 72.1512% | 2,169 |
| Net loans and leases to deposits | 86.7276% | 2,182 |
| Net loans and leases to core deposits | 92.2159% | 2,353 |
| Total domestic deposits to total assets | 83.1929% | 3,516 |
| Equity capital to assets | 15.3426% | 662 |
| Core capital (leverage) ratio | 16.1052% | 456 |
| Tier 1 risk-based capital ratio | 22.7546% | 1,035 |
| Total risk-based capital ratio | 23.8960% | 1,035 |
| Memoranda: | ||
| Average total assets | $310,837,000 | 2,112 |
| Average earning assets | $296,165,500 | 2,068 |
| Average equity | $50,116,500 | 1,524 |
| Average total loans | $225,405,750 | 1,947 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9694% | 3,349 |
| Cost of funding earning assets | 0.2064% | 5,081 |
| Net interest margin | 3.7630% | 2,463 |
| Noninterest income to average assets | 0.6568% | 2,343 |
| Noninterest expense to average assets | 2.4615% | 4,145 |
| Loan and lease loss provision to assets | 0.0990% | 2,182 |
| Net operating income to assets | 1.0872% | 2,002 |
| Return on assets (ROA) | 1.0872% | 2,135 |
| Pretax return on assets | 1.6826% | 1,137 |
| Return on Equity (ROE) | 6.6251% | 3,736 |
| Retained earnings to average equity (ytd only) | 4.6017% | 2,978 |
| Net charge-offs to loans | 0.1113% | 1,713 |
| Credit loss provision to net charge-offs | 122.9508% | 1,829 |
| Earnings coverage of net charge-offs (x) | 22.1230% | 1,642 |
| Efficiency ratio | 57.7474% | 4,936 |
| Assets per employee ($millions) | 4.0409% | 3,829 |
| Cash dividends to net income (ytd only)* | 30.5404% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 3,902 |
| Loan loss allowance to noncurrent loans | 126.6429% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 1.5219% | 1,250 |
| Noncurrent loans to loans | 0.8750% | 2,552 |
| Net loans and leases to total assets | 72.2400% | 2,128 |
| Net loans and leases to deposits | 88.1188% | 1,982 |
| Net loans and leases to core deposits | 94.1679% | 2,151 |
| Total domestic deposits to total assets | 81.9802% | 4,007 |
| Equity capital to assets | 16.4379% | 490 |
| Core capital (leverage) ratio | 16.3673% | 419 |
| Tier 1 risk-based capital ratio | 24.5019% | 855 |
| Total risk-based capital ratio | 25.7186% | 844 |
| Memoranda: | ||
| Average total assets | $302,984,330 | 2,164 |
| Average earning assets | $288,762,330 | 2,120 |
| Average equity | $49,720,330 | 1,531 |
| Average total loans | $219,269,330 | 1,989 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9755% | 3,309 |
| Cost of funding earning assets | 0.2095% | 5,113 |
| Net interest margin | 3.7660% | 2,418 |
| Noninterest income to average assets | 0.6660% | 2,187 |
| Noninterest expense to average assets | 2.4751% | 4,151 |
| Loan and lease loss provision to assets | 0.0997% | 2,028 |
| Net operating income to assets | 1.0833% | 1,975 |
| Return on assets (ROA) | 1.0833% | 2,074 |
| Pretax return on assets | 1.6748% | 1,126 |
| Return on Equity (ROE) | 6.6073% | 3,667 |
| Retained earnings to average equity (ytd only) | 2.5294% | 4,238 |
| Net charge-offs to loans | 0.0591% | 1,917 |
| Credit loss provision to net charge-offs | 234.3750% | 980 |
| Earnings coverage of net charge-offs (x) | 41.7188% | 991 |
| Efficiency ratio | 57.9919% | 4,999 |
| Assets per employee ($millions) | 4.0556% | 3,849 |
| Cash dividends to net income (ytd only)* | 61.7178% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1492% | 3,774 |
| Loan loss allowance to noncurrent loans | 140.2692% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 1.5061% | 1,354 |
| Noncurrent loans to loans | 0.8193% | 2,790 |
| Net loans and leases to total assets | 70.7263% | 2,232 |
| Net loans and leases to deposits | 86.5831% | 2,008 |
| Net loans and leases to core deposits | 92.3399% | 2,154 |
| Total domestic deposits to total assets | 81.6860% | 4,310 |
| Equity capital to assets | 16.2901% | 498 |
| Core capital (leverage) ratio | 16.5950% | 409 |
| Tier 1 risk-based capital ratio | 22.8164% | 1,032 |
| Total risk-based capital ratio | 23.9744% | 1,025 |
| Memoranda: | ||
| Average total assets | $300,923,000 | 2,182 |
| Average earning assets | $286,352,500 | 2,145 |
| Average equity | $49,339,500 | 1,540 |
| Average total loans | $216,734,000 | 2,012 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0065% | 3,284 |
| Cost of funding earning assets | 0.2173% | 5,120 |
| Net interest margin | 3.7893% | 2,413 |
| Noninterest income to average assets | 0.6641% | 2,384 |
| Noninterest expense to average assets | 2.4605% | 4,354 |
| Loan and lease loss provision to assets | 0.2030% | 1,053 |
| Net operating income to assets | 1.0403% | 2,173 |
| Return on assets (ROA) | 1.0403% | 2,256 |
| Pretax return on assets | 1.5999% | 1,250 |
| Return on Equity (ROE) | 6.4359% | 3,818 |
| Retained earnings to average equity (ytd only) | 5.4229% | 2,125 |
| Net charge-offs to loans | 0.2794% | 1,090 |
| Credit loss provision to net charge-offs | 99.1736% | 2,568 |
| Earnings coverage of net charge-offs (x) | 8.8083% | 2,895 |
| Efficiency ratio | 57.4433% | 5,199 |
| Assets per employee ($millions) | 4.0227% | 3,904 |
| Cash dividends to net income (ytd only)* | 15.7398% | 3,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1388% | 3,811 |
| Loan loss allowance to noncurrent loans | 121.9246% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 1.6706% | 1,168 |
| Noncurrent loans to loans | 0.9340% | 2,469 |
| Net loans and leases to total assets | 71.6822% | 2,108 |
| Net loans and leases to deposits | 87.8911% | 1,888 |
| Net loans and leases to core deposits | 93.3230% | 2,106 |
| Total domestic deposits to total assets | 81.5580% | 4,316 |
| Equity capital to assets | 16.5044% | 467 |
| Core capital (leverage) ratio | 16.6532% | 402 |
| Tier 1 risk-based capital ratio | 23.0716% | 1,007 |
| Total risk-based capital ratio | 24.2300% | 1,003 |
| Memoranda: | ||
| Average total assets | $295,585,800 | 2,173 |
| Average earning assets | $280,766,800 | 2,132 |
| Average equity | $47,778,600 | 1,552 |
| Average total loans | $216,543,200 | 1,948 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9951% | 3,363 |
| Cost of funding earning assets | 0.2211% | 5,171 |
| Net interest margin | 3.7740% | 2,481 |
| Noninterest income to average assets | 0.7099% | 2,184 |
| Noninterest expense to average assets | 2.4252% | 4,438 |
| Loan and lease loss provision to assets | 0.2033% | 981 |
| Net operating income to assets | 1.0827% | 2,086 |
| Return on assets (ROA) | 1.0827% | 2,173 |
| Pretax return on assets | 1.6679% | 1,191 |
| Return on Equity (ROE) | 6.7339% | 3,766 |
| Retained earnings to average equity (ytd only) | 5.3736% | 2,659 |
| Net charge-offs to loans | 0.3513% | 750 |
| Credit loss provision to net charge-offs | 78.8091% | 2,629 |
| Earnings coverage of net charge-offs (x) | 7.2522% | 2,939 |
| Efficiency ratio | 56.1843% | 5,330 |
| Assets per employee ($millions) | 3.9476% | 3,981 |
| Cash dividends to net income (ytd only)* | 20.2004% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 4,230 |
| Loan loss allowance to noncurrent loans | 69.8479% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 2.1971% | 872 |
| Noncurrent loans to loans | 1.5736% | 1,586 |
| Net loans and leases to total assets | 71.1779% | 2,200 |
| Net loans and leases to deposits | 87.6603% | 1,949 |
| Net loans and leases to core deposits | 94.0773% | 2,068 |
| Total domestic deposits to total assets | 81.1974% | 4,421 |
| Equity capital to assets | 16.4099% | 506 |
| Core capital (leverage) ratio | 16.3237% | 448 |
| Tier 1 risk-based capital ratio | 23.2434% | 1,025 |
| Total risk-based capital ratio | 24.3710% | 1,024 |
| Memoranda: | ||
| Average total assets | $295,062,500 | 2,192 |
| Average earning assets | $280,400,500 | 2,145 |
| Average equity | $47,440,750 | 1,570 |
| Average total loans | $216,718,750 | 1,952 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9858% | 3,356 |
| Cost of funding earning assets | 0.2257% | 5,185 |
| Net interest margin | 3.7601% | 2,474 |
| Noninterest income to average assets | 0.6677% | 2,370 |
| Noninterest expense to average assets | 2.4443% | 4,415 |
| Loan and lease loss provision to assets | 0.2036% | 958 |
| Net operating income to assets | 1.0376% | 2,185 |
| Return on assets (ROA) | 1.0376% | 2,307 |
| Pretax return on assets | 1.5920% | 1,350 |
| Return on Equity (ROE) | 6.4982% | 3,882 |
| Retained earnings to average equity (ytd only) | 4.4412% | 3,182 |
| Net charge-offs to loans | 0.5249% | 471 |
| Credit loss provision to net charge-offs | 52.4476% | 2,677 |
| Earnings coverage of net charge-offs (x) | 4.6259% | 3,020 |
| Efficiency ratio | 57.3784% | 5,297 |
| Assets per employee ($millions) | 4.0386% | 3,804 |
| Cash dividends to net income (ytd only)* | 31.6547% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 4,863 |
| Loan loss allowance to noncurrent loans | 96.0544% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 1.9498% | 1,142 |
| Noncurrent loans to loans | 1.0435% | 2,560 |
| Net loans and leases to total assets | 72.4093% | 1,913 |
| Net loans and leases to deposits | 88.9350% | 1,729 |
| Net loans and leases to core deposits | 95.5198% | 1,844 |
| Total domestic deposits to total assets | 81.4183% | 4,476 |
| Equity capital to assets | 15.9571% | 532 |
| Core capital (leverage) ratio | 16.0627% | 458 |
| Tier 1 risk-based capital ratio | 22.5599% | 1,129 |
| Total risk-based capital ratio | 23.6028% | 1,137 |
| Memoranda: | ||
| Average total assets | $294,726,330 | 2,211 |
| Average earning assets | $279,995,330 | 2,164 |
| Average equity | $47,059,330 | 1,587 |
| Average total loans | $217,932,000 | 1,955 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9992% | 3,230 |
| Cost of funding earning assets | 0.2259% | 5,260 |
| Net interest margin | 3.7734% | 2,339 |
| Noninterest income to average assets | 0.6287% | 2,502 |
| Noninterest expense to average assets | 2.5203% | 4,200 |
| Loan and lease loss provision to assets | 0.2050% | 888 |
| Net operating income to assets | 0.9827% | 2,335 |
| Return on assets (ROA) | 0.9827% | 2,464 |
| Pretax return on assets | 1.4884% | 1,602 |
| Return on Equity (ROE) | 6.1526% | 3,952 |
| Retained earnings to average equity (ytd only) | 2.0109% | 4,669 |
| Net charge-offs to loans | 0.2077% | 1,112 |
| Credit loss provision to net charge-offs | 132.7434% | 1,355 |
| Earnings coverage of net charge-offs (x) | 10.9646% | 1,899 |
| Efficiency ratio | 59.5524% | 5,151 |
| Assets per employee ($millions) | 4.0077% | 3,944 |
| Cash dividends to net income (ytd only)* | 67.3157% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1535% | 4,244 |
| Loan loss allowance to noncurrent loans | 118.3152% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 1.8386% | 1,329 |
| Noncurrent loans to loans | 0.9749% | 2,820 |
| Net loans and leases to total assets | 73.2261% | 1,611 |
| Net loans and leases to deposits | 90.2524% | 1,362 |
| Net loans and leases to core deposits | 96.7537% | 1,570 |
| Total domestic deposits to total assets | 81.1348% | 4,793 |
| Equity capital to assets | 16.0289% | 539 |
| Core capital (leverage) ratio | 15.9756% | 471 |
| Tier 1 risk-based capital ratio | 21.7782% | 1,279 |
| Total risk-based capital ratio | 23.0280% | 1,253 |
| Memoranda: | ||
| Average total assets | $292,660,500 | 2,235 |
| Average earning assets | $278,055,000 | 2,188 |
| Average equity | $46,744,500 | 1,601 |
| Average total loans | $217,602,000 | 1,958 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0443% | 3,544 |
| Cost of funding earning assets | 0.2541% | 5,278 |
| Net interest margin | 3.7903% | 2,660 |
| Noninterest income to average assets | 0.6815% | 2,387 |
| Noninterest expense to average assets | 2.4604% | 4,672 |
| Loan and lease loss provision to assets | 0.1572% | 1,669 |
| Net operating income to assets | 1.0772% | 2,064 |
| Return on assets (ROA) | 1.0772% | 2,118 |
| Pretax return on assets | 1.6490% | 1,098 |
| Return on Equity (ROE) | 6.8321% | 3,732 |
| Retained earnings to average equity (ytd only) | 5.8020% | 2,067 |
| Net charge-offs to loans | 0.2643% | 1,635 |
| Credit loss provision to net charge-offs | 81.5217% | 2,834 |
| Earnings coverage of net charge-offs (x) | 9.3678% | 2,757 |
| Efficiency ratio | 57.3966% | 5,523 |
| Assets per employee ($millions) | 3.9034% | 4,156 |
| Cash dividends to net income (ytd only)* | 15.0778% | 3,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 4,397 |
| Loan loss allowance to noncurrent loans | 121.5096% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 1.7072% | 1,565 |
| Noncurrent loans to loans | 0.9278% | 2,995 |
| Net loans and leases to total assets | 73.7840% | 1,623 |
| Net loans and leases to deposits | 91.3198% | 1,360 |
| Net loans and leases to core deposits | 98.2015% | 1,533 |
| Total domestic deposits to total assets | 80.7973% | 4,794 |
| Equity capital to assets | 15.9156% | 550 |
| Core capital (leverage) ratio | 15.9856% | 470 |
| Tier 1 risk-based capital ratio | 21.3464% | 1,332 |
| Total risk-based capital ratio | 22.4811% | 1,329 |
| Memoranda: | ||
| Average total assets | $286,291,000 | 2,236 |
| Average earning assets | $270,799,000 | 2,190 |
| Average equity | $45,139,600 | 1,595 |
| Average total loans | $208,879,200 | 1,982 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9995% | 3,761 |
| Cost of funding earning assets | 0.2617% | 5,286 |
| Net interest margin | 3.7378% | 2,863 |
| Noninterest income to average assets | 0.7049% | 2,306 |
| Noninterest expense to average assets | 2.4373% | 4,709 |
| Loan and lease loss provision to assets | 0.1405% | 1,780 |
| Net operating income to assets | 1.0885% | 2,080 |
| Return on assets (ROA) | 1.0885% | 2,151 |
| Pretax return on assets | 1.6589% | 1,166 |
| Return on Equity (ROE) | 6.9202% | 3,744 |
| Retained earnings to average equity (ytd only) | 5.5356% | 2,719 |
| Net charge-offs to loans | 0.3358% | 1,195 |
| Credit loss provision to net charge-offs | 57.6923% | 2,980 |
| Earnings coverage of net charge-offs (x) | 7.3884% | 2,931 |
| Efficiency ratio | 57.5282% | 5,504 |
| Assets per employee ($millions) | 3.9345% | 4,021 |
| Cash dividends to net income (ytd only)* | 20.0085% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 4,788 |
| Loan loss allowance to noncurrent loans | 44.9148% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 2.7080% | 926 |
| Noncurrent loans to loans | 2.4295% | 1,224 |
| Net loans and leases to total assets | 72.0313% | 1,843 |
| Net loans and leases to deposits | 87.9789% | 1,674 |
| Net loans and leases to core deposits | 94.6562% | 1,789 |
| Total domestic deposits to total assets | 81.8734% | 4,521 |
| Equity capital to assets | 15.5355% | 625 |
| Core capital (leverage) ratio | 15.6556% | 520 |
| Tier 1 risk-based capital ratio | 21.2276% | 1,406 |
| Total risk-based capital ratio | 22.3207% | 1,416 |
| Memoranda: | ||
| Average total assets | $284,674,750 | 2,259 |
| Average earning assets | $268,992,750 | 2,219 |
| Average equity | $44,776,000 | 1,615 |
| Average total loans | $206,481,500 | 2,010 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9816% | 3,806 |
| Cost of funding earning assets | 0.2663% | 5,323 |
| Net interest margin | 3.7153% | 2,900 |
| Noninterest income to average assets | 0.6927% | 2,319 |
| Noninterest expense to average assets | 2.4694% | 4,672 |
| Loan and lease loss provision to assets | 0.1067% | 2,231 |
| Net operating income to assets | 1.0654% | 2,054 |
| Return on assets (ROA) | 1.0654% | 2,133 |
| Pretax return on assets | 1.6188% | 1,207 |
| Return on Equity (ROE) | 6.7447% | 3,759 |
| Retained earnings to average equity (ytd only) | 4.6511% | 3,186 |
| Net charge-offs to loans | 0.3682% | 1,108 |
| Credit loss provision to net charge-offs | 40.0000% | 2,925 |
| Earnings coverage of net charge-offs (x) | 6.4693% | 2,769 |
| Efficiency ratio | 58.8674% | 5,451 |
| Assets per employee ($millions) | 3.8490% | 4,159 |
| Cash dividends to net income (ytd only)* | 31.0414% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1243% | 4,797 |
| Loan loss allowance to noncurrent loans | 45.6140% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 2.3154% | 1,273 |
| Noncurrent loans to loans | 2.4648% | 1,266 |
| Net loans and leases to total assets | 71.2868% | 1,866 |
| Net loans and leases to deposits | 87.1215% | 1,697 |
| Net loans and leases to core deposits | 92.8022% | 1,876 |
| Total domestic deposits to total assets | 81.8246% | 4,709 |
| Equity capital to assets | 15.6019% | 603 |
| Core capital (leverage) ratio | 15.9006% | 491 |
| Tier 1 risk-based capital ratio | 21.4911% | 1,348 |
| Total risk-based capital ratio | 22.6158% | 1,345 |
| Memoranda: | ||
| Average total assets | $281,202,670 | 2,280 |
| Average earning assets | $265,069,330 | 2,243 |
| Average equity | $44,420,000 | 1,610 |
| Average total loans | $203,674,330 | 2,024 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0689% | 3,404 |
| Cost of funding earning assets | 0.2741% | 5,342 |
| Net interest margin | 3.7948% | 2,492 |
| Noninterest income to average assets | 0.6473% | 2,483 |
| Noninterest expense to average assets | 2.5964% | 4,281 |
| Loan and lease loss provision to assets | 0.1081% | 2,130 |
| Net operating income to assets | 0.9976% | 2,222 |
| Return on assets (ROA) | 0.9976% | 2,277 |
| Pretax return on assets | 1.5151% | 1,387 |
| Return on Equity (ROE) | 6.2751% | 3,868 |
| Retained earnings to average equity (ytd only) | 2.0585% | 4,783 |
| Net charge-offs to loans | 0.0199% | 3,189 |
| Credit loss provision to net charge-offs | 750.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 112.6000% | 419 |
| Efficiency ratio | 61.5306% | 5,196 |
| Assets per employee ($millions) | 3.7043% | 4,512 |
| Cash dividends to net income (ytd only)* | 67.1965% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 4,155 |
| Loan loss allowance to noncurrent loans | 41.4369% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 2.8296% | 1,039 |
| Noncurrent loans to loans | 3.1233% | 1,002 |
| Net loans and leases to total assets | 71.2494% | 1,688 |
| Net loans and leases to deposits | 87.4086% | 1,429 |
| Net loans and leases to core deposits | 93.2377% | 1,616 |
| Total domestic deposits to total assets | 81.5130% | 5,087 |
| Equity capital to assets | 15.7054% | 564 |
| Core capital (leverage) ratio | 15.9029% | 492 |
| Tier 1 risk-based capital ratio | 21.6329% | 1,353 |
| Total risk-based capital ratio | 22.8833% | 1,332 |
| Memoranda: | ||
| Average total assets | $277,466,000 | 2,317 |
| Average earning assets | $261,200,000 | 2,280 |
| Average equity | $44,110,500 | 1,609 |
| Average total loans | $201,447,500 | 2,043 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9628% | 4,229 |
| Cost of funding earning assets | 0.3114% | 5,509 |
| Net interest margin | 3.6514% | 3,239 |
| Noninterest income to average assets | 0.7248% | 2,409 |
| Noninterest expense to average assets | 2.4603% | 4,891 |
| Loan and lease loss provision to assets | 0.1387% | 2,573 |
| Net operating income to assets | 1.0550% | 2,095 |
| Return on assets (ROA) | 1.0550% | 2,173 |
| Pretax return on assets | 1.5950% | 1,182 |
| Return on Equity (ROE) | 6.6957% | 3,723 |
| Retained earnings to average equity (ytd only) | 5.6443% | 2,189 |
| Net charge-offs to loans | 0.1646% | 3,164 |
| Credit loss provision to net charge-offs | 120.9677% | 1,969 |
| Earnings coverage of net charge-offs (x) | 15.1226% | 1,898 |
| Efficiency ratio | 58.6633% | 5,655 |
| Assets per employee ($millions) | 3.5974% | 4,688 |
| Cash dividends to net income (ytd only)* | 15.7028% | 3,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 4,213 |
| Loan loss allowance to noncurrent loans | 57.8876% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 2.2234% | 1,601 |
| Noncurrent loans to loans | 2.2191% | 1,753 |
| Net loans and leases to total assets | 72.0959% | 1,665 |
| Net loans and leases to deposits | 88.8709% | 1,366 |
| Net loans and leases to core deposits | 94.9805% | 1,530 |
| Total domestic deposits to total assets | 81.1243% | 5,132 |
| Equity capital to assets | 16.0956% | 511 |
| Core capital (leverage) ratio | 16.0600% | 464 |
| Tier 1 risk-based capital ratio | 21.9700% | 1,262 |
| Total risk-based capital ratio | 23.2204% | 1,243 |
| Memoranda: | ||
| Average total assets | $270,413,800 | 2,342 |
| Average earning assets | $256,916,600 | 2,272 |
| Average equity | $42,609,400 | 1,649 |
| Average total loans | $188,338,000 | 2,118 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9104% | 4,462 |
| Cost of funding earning assets | 0.3190% | 5,561 |
| Net interest margin | 3.5914% | 3,483 |
| Noninterest income to average assets | 0.7263% | 2,478 |
| Noninterest expense to average assets | 2.4870% | 4,766 |
| Loan and lease loss provision to assets | 0.1483% | 2,421 |
| Net operating income to assets | 0.9982% | 2,380 |
| Return on assets (ROA) | 0.9982% | 2,470 |
| Pretax return on assets | 1.5031% | 1,599 |
| Return on Equity (ROE) | 6.3699% | 3,997 |
| Retained earnings to average equity (ytd only) | 4.9565% | 3,117 |
| Net charge-offs to loans | 0.1632% | 2,928 |
| Credit loss provision to net charge-offs | 132.1586% | 1,786 |
| Earnings coverage of net charge-offs (x) | 14.7136% | 1,920 |
| Efficiency ratio | 60.0956% | 5,421 |
| Assets per employee ($millions) | 3.5160% | 4,816 |
| Cash dividends to net income (ytd only)* | 22.1893% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3108% | 4,329 |
| Loan loss allowance to noncurrent loans | 50.7495% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 2.4951% | 1,545 |
| Noncurrent loans to loans | 2.5828% | 1,650 |
| Net loans and leases to total assets | 71.5564% | 1,671 |
| Net loans and leases to deposits | 88.0825% | 1,354 |
| Net loans and leases to core deposits | 94.6163% | 1,512 |
| Total domestic deposits to total assets | 81.2379% | 5,158 |
| Equity capital to assets | 15.9505% | 562 |
| Core capital (leverage) ratio | 15.9706% | 492 |
| Tier 1 risk-based capital ratio | 21.8568% | 1,343 |
| Total risk-based capital ratio | 23.1076% | 1,326 |
| Memoranda: | ||
| Average total assets | $269,666,250 | 2,367 |
| Average earning assets | $256,198,000 | 2,285 |
| Average equity | $42,260,250 | 1,667 |
| Average total loans | $185,503,000 | 2,150 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8901% | 4,519 |
| Cost of funding earning assets | 0.3290% | 5,576 |
| Net interest margin | 3.5611% | 3,522 |
| Noninterest income to average assets | 0.7404% | 2,458 |
| Noninterest expense to average assets | 2.5064% | 4,699 |
| Loan and lease loss provision to assets | 0.1671% | 2,241 |
| Net operating income to assets | 0.9669% | 2,483 |
| Return on assets (ROA) | 0.9669% | 2,629 |
| Pretax return on assets | 1.4511% | 1,762 |
| Return on Equity (ROE) | 6.2070% | 4,044 |
| Retained earnings to average equity (ytd only) | 4.0713% | 3,704 |
| Net charge-offs to loans | 0.1484% | 2,917 |
| Credit loss provision to net charge-offs | 166.6667% | 1,405 |
| Earnings coverage of net charge-offs (x) | 16.1407% | 1,682 |
| Efficiency ratio | 60.7670% | 5,367 |
| Assets per employee ($millions) | 3.6315% | 4,550 |
| Cash dividends to net income (ytd only)* | 34.4086% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 4,056 |
| Loan loss allowance to noncurrent loans | 57.8642% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 2.3094% | 1,872 |
| Noncurrent loans to loans | 2.4115% | 1,946 |
| Net loans and leases to total assets | 68.1070% | 2,208 |
| Net loans and leases to deposits | 83.1225% | 1,911 |
| Net loans and leases to core deposits | 88.6667% | 2,037 |
| Total domestic deposits to total assets | 81.9358% | 5,078 |
| Equity capital to assets | 15.7906% | 560 |
| Core capital (leverage) ratio | 15.5973% | 505 |
| Tier 1 risk-based capital ratio | 22.4833% | 1,205 |
| Total risk-based capital ratio | 23.7348% | 1,192 |
| Memoranda: | ||
| Average total assets | $269,311,000 | 2,378 |
| Average earning assets | $255,928,670 | 2,297 |
| Average equity | $41,952,670 | 1,687 |
| Average total loans | $181,904,330 | 2,184 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8347% | 4,701 |
| Cost of funding earning assets | 0.3379% | 5,656 |
| Net interest margin | 3.4968% | 3,713 |
| Noninterest income to average assets | 0.7329% | 2,415 |
| Noninterest expense to average assets | 2.5059% | 4,725 |
| Loan and lease loss provision to assets | 0.2226% | 1,660 |
| Net operating income to assets | 0.8858% | 2,719 |
| Return on assets (ROA) | 0.8858% | 2,864 |
| Pretax return on assets | 1.3205% | 2,158 |
| Return on Equity (ROE) | 5.7250% | 4,190 |
| Retained earnings to average equity (ytd only) | 1.4288% | 5,269 |
| Net charge-offs to loans | 0.2488% | 1,966 |
| Credit loss provision to net charge-offs | 133.9286% | 1,481 |
| Earnings coverage of net charge-offs (x) | 9.2857% | 1,856 |
| Efficiency ratio | 61.8908% | 5,316 |
| Assets per employee ($millions) | 3.7037% | 4,547 |
| Cash dividends to net income (ytd only)* | 75.0419% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4033% | 4,213 |
| Loan loss allowance to noncurrent loans | 123.6842% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 1.4488% | 3,083 |
| Noncurrent loans to loans | 1.1346% | 3,887 |
| Net loans and leases to total assets | 65.9555% | 2,374 |
| Net loans and leases to deposits | 80.2943% | 2,038 |
| Net loans and leases to core deposits | 85.9923% | 2,106 |
| Total domestic deposits to total assets | 82.1422% | 5,143 |
| Equity capital to assets | 15.4536% | 648 |
| Core capital (leverage) ratio | 15.4251% | 522 |
| Tier 1 risk-based capital ratio | 22.5528% | 1,229 |
| Total risk-based capital ratio | 23.8044% | 1,213 |
| Memoranda: | ||
| Average total assets | $269,601,500 | 2,396 |
| Average earning assets | $255,664,500 | 2,324 |
| Average equity | $41,712,000 | 1,723 |
| Average total loans | $180,049,500 | 2,215 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0481% | 5,152 |
| Cost of funding earning assets | 0.4284% | 5,732 |
| Net interest margin | 3.6197% | 4,004 |
| Noninterest income to average assets | 0.7722% | 2,378 |
| Noninterest expense to average assets | 2.4274% | 5,334 |
| Loan and lease loss provision to assets | 0.2275% | 2,856 |
| Net operating income to assets | 1.0293% | 2,211 |
| Return on assets (ROA) | 1.0293% | 2,419 |
| Pretax return on assets | 1.5418% | 1,554 |
| Return on Equity (ROE) | 6.7243% | 3,800 |
| Retained earnings to average equity (ytd only) | 5.6643% | 2,276 |
| Net charge-offs to loans | 0.3292% | 2,996 |
| Credit loss provision to net charge-offs | 105.2632% | 2,830 |
| Earnings coverage of net charge-offs (x) | 8.1877% | 2,458 |
| Efficiency ratio | 57.8410% | 5,853 |
| Assets per employee ($millions) | 3.6826% | 4,603 |
| Cash dividends to net income (ytd only)* | 15.7643% | 3,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3948% | 4,194 |
| Loan loss allowance to noncurrent loans | 115.4734% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 1.4236% | 3,265 |
| Noncurrent loans to loans | 1.2079% | 3,838 |
| Net loans and leases to total assets | 65.7423% | 2,568 |
| Net loans and leases to deposits | 80.1238% | 2,265 |
| Net loans and leases to core deposits | 85.7747% | 2,343 |
| Total domestic deposits to total assets | 82.0509% | 5,076 |
| Equity capital to assets | 15.4899% | 636 |
| Core capital (leverage) ratio | 15.5547% | 497 |
| Tier 1 risk-based capital ratio | 22.8254% | 1,135 |
| Total risk-based capital ratio | 24.0768% | 1,121 |
| Memoranda: | ||
| Average total assets | $263,779,800 | 2,401 |
| Average earning assets | $249,547,800 | 2,333 |
| Average equity | $40,376,000 | 1,727 |
| Average total loans | $173,150,200 | 2,279 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0635% | 5,310 |
| Cost of funding earning assets | 0.4442% | 5,836 |
| Net interest margin | 3.6193% | 4,154 |
| Noninterest income to average assets | 0.7964% | 2,258 |
| Noninterest expense to average assets | 2.4414% | 5,266 |
| Loan and lease loss provision to assets | 0.2286% | 2,773 |
| Net operating income to assets | 1.0351% | 2,344 |
| Return on assets (ROA) | 1.0351% | 2,563 |
| Pretax return on assets | 1.5531% | 1,714 |
| Return on Equity (ROE) | 6.7831% | 3,920 |
| Retained earnings to average equity (ytd only) | 5.3586% | 3,119 |
| Net charge-offs to loans | 0.3993% | 2,498 |
| Credit loss provision to net charge-offs | 87.5486% | 3,380 |
| Earnings coverage of net charge-offs (x) | 6.8249% | 2,705 |
| Efficiency ratio | 57.8112% | 5,815 |
| Assets per employee ($millions) | 3.5800% | 4,790 |
| Cash dividends to net income (ytd only)* | 21.0009% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3860% | 4,438 |
| Loan loss allowance to noncurrent loans | 99.7926% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 1.5095% | 3,323 |
| Noncurrent loans to loans | 1.3888% | 3,717 |
| Net loans and leases to total assets | 64.6198% | 2,904 |
| Net loans and leases to deposits | 78.7981% | 2,557 |
| Net loans and leases to core deposits | 84.5819% | 2,634 |
| Total domestic deposits to total assets | 82.0068% | 5,023 |
| Equity capital to assets | 15.4683% | 711 |
| Core capital (leverage) ratio | 15.5098% | 536 |
| Tier 1 risk-based capital ratio | 23.0600% | 1,166 |
| Total risk-based capital ratio | 24.3113% | 1,140 |
| Memoranda: | ||
| Average total assets | $262,516,500 | 2,432 |
| Average earning assets | $248,548,000 | 2,362 |
| Average equity | $40,059,500 | 1,752 |
| Average total loans | $171,628,500 | 2,325 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1036% | 5,307 |
| Cost of funding earning assets | 0.4630% | 5,883 |
| Net interest margin | 3.6407% | 4,074 |
| Noninterest income to average assets | 0.7871% | 2,246 |
| Noninterest expense to average assets | 2.4439% | 5,316 |
| Loan and lease loss provision to assets | 0.2293% | 2,783 |
| Net operating income to assets | 1.0393% | 2,301 |
| Return on assets (ROA) | 1.0393% | 2,525 |
| Pretax return on assets | 1.5574% | 1,685 |
| Return on Equity (ROE) | 6.8423% | 3,861 |
| Retained earnings to average equity (ytd only) | 4.6890% | 3,492 |
| Net charge-offs to loans | 0.5954% | 1,825 |
| Credit loss provision to net charge-offs | 58.9391% | 3,826 |
| Earnings coverage of net charge-offs (x) | 4.5933% | 3,040 |
| Efficiency ratio | 57.7673% | 5,899 |
| Assets per employee ($millions) | 3.6047% | 4,744 |
| Cash dividends to net income (ytd only)* | 31.4706% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 4,730 |
| Loan loss allowance to noncurrent loans | 58.9724% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 2.1361% | 2,622 |
| Noncurrent loans to loans | 2.2612% | 2,663 |
| Net loans and leases to total assets | 63.5738% | 3,129 |
| Net loans and leases to deposits | 77.9811% | 2,672 |
| Net loans and leases to core deposits | 83.7889% | 2,719 |
| Total domestic deposits to total assets | 81.5247% | 5,287 |
| Equity capital to assets | 15.3075% | 717 |
| Core capital (leverage) ratio | 15.1321% | 580 |
| Tier 1 risk-based capital ratio | 23.2793% | 1,101 |
| Total risk-based capital ratio | 24.5301% | 1,081 |
| Memoranda: | ||
| Average total assets | $261,714,670 | 2,442 |
| Average earning assets | $247,536,670 | 2,374 |
| Average equity | $39,753,000 | 1,754 |
| Average total loans | $170,972,000 | 2,337 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1713% | 5,205 |
| Cost of funding earning assets | 0.4768% | 5,970 |
| Net interest margin | 3.6945% | 3,859 |
| Noninterest income to average assets | 0.7448% | 2,427 |
| Noninterest expense to average assets | 2.4613% | 5,285 |
| Loan and lease loss provision to assets | 0.2299% | 2,647 |
| Net operating income to assets | 1.0314% | 2,356 |
| Return on assets (ROA) | 1.0314% | 2,542 |
| Pretax return on assets | 1.5448% | 1,757 |
| Return on Equity (ROE) | 6.8171% | 3,884 |
| Retained earnings to average equity (ytd only) | 2.4716% | 5,022 |
| Net charge-offs to loans | 1.1556% | 893 |
| Credit loss provision to net charge-offs | 30.2419% | 3,620 |
| Earnings coverage of net charge-offs (x) | 2.3347% | 3,240 |
| Efficiency ratio | 58.1042% | 5,901 |
| Assets per employee ($millions) | 3.6818% | 4,699 |
| Cash dividends to net income (ytd only)* | 63.7444% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 5,269 |
| Loan loss allowance to noncurrent loans | 50.5233% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 2.1498% | 2,730 |
| Noncurrent loans to loans | 2.4666% | 2,642 |
| Net loans and leases to total assets | 63.4929% | 2,953 |
| Net loans and leases to deposits | 77.5594% | 2,589 |
| Net loans and leases to core deposits | 83.3543% | 2,627 |
| Total domestic deposits to total assets | 81.8636% | 5,339 |
| Equity capital to assets | 14.9398% | 760 |
| Core capital (leverage) ratio | 15.1753% | 576 |
| Tier 1 risk-based capital ratio | 23.0330% | 1,132 |
| Total risk-based capital ratio | 24.2800% | 1,115 |
| Memoranda: | ||
| Average total assets | $260,999,000 | 2,474 |
| Average earning assets | $246,639,000 | 2,395 |
| Average equity | $39,489,000 | 1,757 |
| Average total loans | $171,681,500 | 2,341 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3847% | 5,482 |
| Cost of funding earning assets | 0.6012% | 6,087 |
| Net interest margin | 3.7834% | 3,912 |
| Noninterest income to average assets | 0.7391% | 2,393 |
| Noninterest expense to average assets | 2.5105% | 5,435 |
| Loan and lease loss provision to assets | 0.2348% | 3,854 |
| Net operating income to assets | 1.0573% | 1,975 |
| Return on assets (ROA) | 1.0573% | 2,118 |
| Pretax return on assets | 1.5839% | 1,243 |
| Return on Equity (ROE) | 7.0845% | 3,363 |
| Retained earnings to average equity (ytd only) | 5.9466% | 2,046 |
| Net charge-offs to loans | 0.1131% | 5,244 |
| Credit loss provision to net charge-offs | 304.5685% | 766 |
| Earnings coverage of net charge-offs (x) | 23.5939% | 1,015 |
| Efficiency ratio | 57.9899% | 6,061 |
| Assets per employee ($millions) | 3.5193% | 4,972 |
| Cash dividends to net income (ytd only)* | 16.0622% | 3,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4284% | 4,339 |
| Loan loss allowance to noncurrent loans | 81.5182% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.7493% | 3,329 |
| Noncurrent loans to loans | 1.7522% | 3,526 |
| Net loans and leases to total assets | 66.3489% | 2,719 |
| Net loans and leases to deposits | 81.4106% | 2,290 |
| Net loans and leases to core deposits | 87.0423% | 2,500 |
| Total domestic deposits to total assets | 81.4991% | 5,292 |
| Equity capital to assets | 15.3262% | 715 |
| Core capital (leverage) ratio | 15.3419% | 549 |
| Tier 1 risk-based capital ratio | 22.7838% | 1,121 |
| Total risk-based capital ratio | 24.0361% | 1,102 |
| Memoranda: | ||
| Average total assets | $255,565,600 | 2,464 |
| Average earning assets | $242,504,600 | 2,378 |
| Average equity | $38,139,600 | 1,769 |
| Average total loans | $174,185,600 | 2,325 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4271% | 5,510 |
| Cost of funding earning assets | 0.6259% | 6,146 |
| Net interest margin | 3.8012% | 3,880 |
| Noninterest income to average assets | 0.7684% | 2,204 |
| Noninterest expense to average assets | 2.4411% | 5,656 |
| Loan and lease loss provision to assets | 0.2351% | 3,659 |
| Net operating income to assets | 1.1315% | 1,872 |
| Return on assets (ROA) | 1.1315% | 1,993 |
| Pretax return on assets | 1.7056% | 1,137 |
| Return on Equity (ROE) | 7.6338% | 3,206 |
| Retained earnings to average equity (ytd only) | 6.1042% | 2,499 |
| Net charge-offs to loans | 0.1414% | 4,652 |
| Credit loss provision to net charge-offs | 243.2432% | 1,177 |
| Earnings coverage of net charge-offs (x) | 20.0811% | 1,237 |
| Efficiency ratio | 55.7105% | 6,321 |
| Assets per employee ($millions) | 3.7474% | 4,412 |
| Cash dividends to net income (ytd only)* | 20.0368% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3639% | 4,715 |
| Loan loss allowance to noncurrent loans | 85.5466% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 1.8695% | 3,308 |
| Noncurrent loans to loans | 1.5944% | 3,904 |
| Net loans and leases to total assets | 66.1810% | 2,861 |
| Net loans and leases to deposits | 81.1978% | 2,497 |
| Net loans and leases to core deposits | 87.3563% | 2,580 |
| Total domestic deposits to total assets | 81.5058% | 5,253 |
| Equity capital to assets | 15.2511% | 784 |
| Core capital (leverage) ratio | 15.1728% | 632 |
| Tier 1 risk-based capital ratio | 22.8789% | 1,163 |
| Total risk-based capital ratio | 24.1308% | 1,142 |
| Memoranda: | ||
| Average total assets | $255,230,250 | 2,481 |
| Average earning assets | $242,621,250 | 2,381 |
| Average equity | $37,831,000 | 1,784 |
| Average total loans | $174,500,750 | 2,330 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4358% | 5,568 |
| Cost of funding earning assets | 0.6477% | 6,239 |
| Net interest margin | 3.7881% | 3,847 |
| Noninterest income to average assets | 0.7620% | 2,196 |
| Noninterest expense to average assets | 2.4702% | 5,642 |
| Loan and lease loss provision to assets | 0.2350% | 3,564 |
| Net operating income to assets | 1.1012% | 1,868 |
| Return on assets (ROA) | 1.1012% | 1,955 |
| Pretax return on assets | 1.6619% | 1,128 |
| Return on Equity (ROE) | 7.5013% | 3,189 |
| Retained earnings to average equity (ytd only) | 5.1858% | 2,886 |
| Net charge-offs to loans | 0.1890% | 4,026 |
| Credit loss provision to net charge-offs | 180.7229% | 1,669 |
| Earnings coverage of net charge-offs (x) | 14.5904% | 1,472 |
| Efficiency ratio | 56.5638% | 6,350 |
| Assets per employee ($millions) | 3.7271% | 4,360 |
| Cash dividends to net income (ytd only)* | 30.8677% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 5,252 |
| Loan loss allowance to noncurrent loans | 76.9043% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.9196% | 3,349 |
| Noncurrent loans to loans | 1.6388% | 3,950 |
| Net loans and leases to total assets | 68.0394% | 2,603 |
| Net loans and leases to deposits | 83.6356% | 2,163 |
| Net loans and leases to core deposits | 89.9891% | 2,372 |
| Total domestic deposits to total assets | 81.3522% | 5,405 |
| Equity capital to assets | 15.0438% | 813 |
| Core capital (leverage) ratio | 14.7198% | 723 |
| Tier 1 risk-based capital ratio | 22.2710% | 1,218 |
| Total risk-based capital ratio | 23.5218% | 1,190 |
| Memoranda: | ||
| Average total assets | $255,366,670 | 2,493 |
| Average earning assets | $243,023,670 | 2,391 |
| Average equity | $37,487,000 | 1,790 |
| Average total loans | $175,676,000 | 2,341 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3881% | 5,735 |
| Cost of funding earning assets | 0.6648% | 6,318 |
| Net interest margin | 3.7234% | 3,983 |
| Noninterest income to average assets | 0.6866% | 2,646 |
| Noninterest expense to average assets | 2.4890% | 5,592 |
| Loan and lease loss provision to assets | 0.2341% | 3,310 |
| Net operating income to assets | 1.0081% | 2,160 |
| Return on assets (ROA) | 1.0081% | 2,210 |
| Pretax return on assets | 1.5121% | 1,412 |
| Return on Equity (ROE) | 6.9524% | 3,407 |
| Retained earnings to average equity (ytd only) | 2.5506% | 4,633 |
| Net charge-offs to loans | 0.3655% | 2,604 |
| Credit loss provision to net charge-offs | 93.1677% | 2,877 |
| Earnings coverage of net charge-offs (x) | 6.9503% | 2,024 |
| Efficiency ratio | 58.7693% | 6,164 |
| Assets per employee ($millions) | 3.8438% | 4,203 |
| Cash dividends to net income (ytd only)* | 63.3127% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 5,749 |
| Loan loss allowance to noncurrent loans | 86.2416% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 1.7392% | 3,652 |
| Noncurrent loans to loans | 1.3621% | 4,435 |
| Net loans and leases to total assets | 67.1608% | 2,723 |
| Net loans and leases to deposits | 82.4886% | 2,276 |
| Net loans and leases to core deposits | 88.3388% | 2,560 |
| Total domestic deposits to total assets | 81.4184% | 5,529 |
| Equity capital to assets | 14.4711% | 886 |
| Core capital (leverage) ratio | 14.4485% | 747 |
| Tier 1 risk-based capital ratio | 21.9287% | 1,243 |
| Total risk-based capital ratio | 23.1486% | 1,212 |
| Memoranda: | ||
| Average total assets | $256,330,000 | 2,507 |
| Average earning assets | $244,295,500 | 2,404 |
| Average equity | $37,167,000 | 1,793 |
| Average total loans | $176,194,000 | 2,353 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7513% | 5,615 |
| Cost of funding earning assets | 0.8763% | 6,260 |
| Net interest margin | 3.8750% | 3,613 |
| Noninterest income to average assets | 0.9015% | 1,847 |
| Noninterest expense to average assets | 2.6753% | 5,102 |
| Loan and lease loss provision to assets | 0.2389% | 4,894 |
| Net operating income to assets | 1.1161% | 1,654 |
| Return on assets (ROA) | 1.1161% | 1,735 |
| Pretax return on assets | 1.6710% | 997 |
| Return on Equity (ROE) | 7.6985% | 2,817 |
| Retained earnings to average equity (ytd only) | 6.4610% | 1,576 |
| Net charge-offs to loans | 0.0782% | 6,035 |
| Credit loss provision to net charge-offs | 427.5362% | 551 |
| Earnings coverage of net charge-offs (x) | 34.1739% | 662 |
| Efficiency ratio | 58.3466% | 6,298 |
| Assets per employee ($millions) | 3.8079% | 4,237 |
| Cash dividends to net income (ytd only)* | 16.0740% | 3,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1654% | 5,664 |
| Loan loss allowance to noncurrent loans | 88.0699% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 1.2621% | 4,508 |
| Noncurrent loans to loans | 1.3232% | 4,509 |
| Net loans and leases to total assets | 68.7123% | 2,810 |
| Net loans and leases to deposits | 84.4817% | 2,375 |
| Net loans and leases to core deposits | 90.9673% | 2,624 |
| Total domestic deposits to total assets | 81.3339% | 5,409 |
| Equity capital to assets | 14.5285% | 897 |
| Core capital (leverage) ratio | 14.7191% | 710 |
| Tier 1 risk-based capital ratio | 21.9212% | 1,189 |
| Total risk-based capital ratio | 23.1551% | 1,163 |
| Memoranda: | ||
| Average total assets | $246,921,000 | 2,576 |
| Average earning assets | $234,735,400 | 2,483 |
| Average equity | $35,799,200 | 1,848 |
| Average total loans | $176,578,400 | 2,393 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7880% | 5,714 |
| Cost of funding earning assets | 0.9170% | 6,324 |
| Net interest margin | 3.8710% | 3,654 |
| Noninterest income to average assets | 0.9491% | 1,621 |
| Noninterest expense to average assets | 2.7677% | 4,610 |
| Loan and lease loss provision to assets | 0.2396% | 4,685 |
| Net operating income to assets | 1.0857% | 1,941 |
| Return on assets (ROA) | 1.0857% | 2,051 |
| Pretax return on assets | 1.6171% | 1,302 |
| Return on Equity (ROE) | 7.4927% | 3,108 |
| Retained earnings to average equity (ytd only) | 5.8281% | 2,464 |
| Net charge-offs to loans | 0.0756% | 5,760 |
| Credit loss provision to net charge-offs | 440.0000% | 686 |
| Earnings coverage of net charge-offs (x) | 34.1000% | 785 |
| Efficiency ratio | 59.8493% | 5,976 |
| Assets per employee ($millions) | 3.6029% | 4,729 |
| Cash dividends to net income (ytd only)* | 22.2166% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1079% | 5,910 |
| Loan loss allowance to noncurrent loans | 88.3017% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 1.2817% | 4,581 |
| Noncurrent loans to loans | 1.2547% | 4,757 |
| Net loans and leases to total assets | 71.2257% | 2,426 |
| Net loans and leases to deposits | 88.2343% | 1,980 |
| Net loans and leases to core deposits | 94.0427% | 2,521 |
| Total domestic deposits to total assets | 80.7234% | 5,472 |
| Equity capital to assets | 14.8451% | 934 |
| Core capital (leverage) ratio | 14.6319% | 790 |
| Tier 1 risk-based capital ratio | 21.8602% | 1,227 |
| Total risk-based capital ratio | 23.0486% | 1,211 |
| Memoranda: | ||
| Average total assets | $244,869,750 | 2,638 |
| Average earning assets | $232,491,500 | 2,537 |
| Average equity | $35,482,500 | 1,885 |
| Average total loans | $176,380,500 | 2,431 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7786% | 5,869 |
| Cost of funding earning assets | 0.9419% | 6,418 |
| Net interest margin | 3.8366% | 3,728 |
| Noninterest income to average assets | 0.9386% | 1,550 |
| Noninterest expense to average assets | 2.7301% | 4,787 |
| Loan and lease loss provision to assets | 0.2369% | 4,542 |
| Net operating income to assets | 1.0799% | 1,922 |
| Return on assets (ROA) | 1.0799% | 1,997 |
| Pretax return on assets | 1.6085% | 1,279 |
| Return on Equity (ROE) | 7.5142% | 3,107 |
| Retained earnings to average equity (ytd only) | 5.2804% | 2,732 |
| Net charge-offs to loans | 0.0703% | 5,435 |
| Credit loss provision to net charge-offs | 467.7419% | 788 |
| Earnings coverage of net charge-offs (x) | 36.4355% | 790 |
| Efficiency ratio | 59.6679% | 6,107 |
| Assets per employee ($millions) | 3.7267% | 4,394 |
| Cash dividends to net income (ytd only)* | 29.7277% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 6,210 |
| Loan loss allowance to noncurrent loans | 91.1925% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 1.6222% | 4,009 |
| Noncurrent loans to loans | 1.1453% | 5,047 |
| Net loans and leases to total assets | 70.9958% | 2,659 |
| Net loans and leases to deposits | 88.5552% | 2,084 |
| Net loans and leases to core deposits | 94.2375% | 2,677 |
| Total domestic deposits to total assets | 80.1712% | 5,679 |
| Equity capital to assets | 14.5324% | 1,002 |
| Core capital (leverage) ratio | 14.4093% | 834 |
| Tier 1 risk-based capital ratio | 21.4300% | 1,280 |
| Total risk-based capital ratio | 22.5476% | 1,270 |
| Memoranda: | ||
| Average total assets | $244,827,670 | 2,656 |
| Average earning assets | $232,077,670 | 2,566 |
| Average equity | $35,186,670 | 1,897 |
| Average total loans | $176,355,670 | 2,464 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7921% | 5,917 |
| Cost of funding earning assets | 0.9771% | 6,484 |
| Net interest margin | 3.8150% | 3,727 |
| Noninterest income to average assets | 0.7353% | 2,382 |
| Noninterest expense to average assets | 2.6136% | 5,297 |
| Loan and lease loss provision to assets | 0.2293% | 4,209 |
| Net operating income to assets | 1.0268% | 2,083 |
| Return on assets (ROA) | 1.0268% | 2,145 |
| Pretax return on assets | 1.5049% | 1,501 |
| Return on Equity (ROE) | 7.1846% | 3,248 |
| Retained earnings to average equity (ytd only) | 2.6813% | 4,534 |
| Net charge-offs to loans | 0.1044% | 4,377 |
| Credit loss provision to net charge-offs | 304.3478% | 1,290 |
| Earnings coverage of net charge-offs (x) | 23.0217% | 1,065 |
| Efficiency ratio | 60.1130% | 6,152 |
| Assets per employee ($millions) | 3.7261% | 4,509 |
| Cash dividends to net income (ytd only)* | 62.6794% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9789% | 6,564 |
| Loan loss allowance to noncurrent loans | 101.7262% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 1.4940% | 4,266 |
| Noncurrent loans to loans | 0.9623% | 5,411 |
| Net loans and leases to total assets | 70.2952% | 2,861 |
| Net loans and leases to deposits | 87.6747% | 2,286 |
| Net loans and leases to core deposits | 93.0845% | 2,967 |
| Total domestic deposits to total assets | 80.1773% | 5,727 |
| Equity capital to assets | 14.2404% | 1,083 |
| Core capital (leverage) ratio | 14.2847% | 901 |
| Tier 1 risk-based capital ratio | 21.1988% | 1,310 |
| Total risk-based capital ratio | 22.2445% | 1,313 |
| Memoranda: | ||
| Average total assets | $244,261,000 | 2,711 |
| Average earning assets | $231,295,500 | 2,633 |
| Average equity | $34,908,000 | 1,927 |
| Average total loans | $176,301,000 | 2,525 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2341% | 5,494 |
| Cost of funding earning assets | 1.2954% | 6,321 |
| Net interest margin | 3.9387% | 3,123 |
| Noninterest income to average assets | 0.6699% | 3,160 |
| Noninterest expense to average assets | 2.4976% | 6,136 |
| Loan and lease loss provision to assets | 0.2244% | 5,568 |
| Net operating income to assets | 1.1336% | 1,431 |
| Return on assets (ROA) | 1.1336% | 1,457 |
| Pretax return on assets | 1.6960% | 787 |
| Return on Equity (ROE) | 7.9703% | 2,387 |
| Retained earnings to average equity (ytd only) | 6.8598% | 1,013 |
| Net charge-offs to loans | 0.1093% | 6,064 |
| Credit loss provision to net charge-offs | 278.9474% | 1,225 |
| Earnings coverage of net charge-offs (x) | 23.8684% | 921 |
| Efficiency ratio | 56.5322% | 6,950 |
| Assets per employee ($millions) | 3.6758% | 4,580 |
| Cash dividends to net income (ytd only)* | 13.9335% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9072% | 6,782 |
| Loan loss allowance to noncurrent loans | 74.0486% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.2716% | 4,545 |
| Noncurrent loans to loans | 1.2251% | 4,901 |
| Net loans and leases to total assets | 72.7150% | 2,579 |
| Net loans and leases to deposits | 90.7958% | 2,082 |
| Net loans and leases to core deposits | 110.0658% | 2,886 |
| Total domestic deposits to total assets | 80.0863% | 5,648 |
| Equity capital to assets | 14.3428% | 1,063 |
| Core capital (leverage) ratio | 14.5405% | 873 |
| Tier 1 risk-based capital ratio | 20.7612% | 1,332 |
| Total risk-based capital ratio | 21.7356% | 1,342 |
| Memoranda: | ||
| Average total assets | $236,148,400 | 2,753 |
| Average earning assets | $224,717,400 | 2,655 |
| Average equity | $33,587,200 | 1,999 |
| Average total loans | $173,910,400 | 2,584 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2894% | 5,488 |
| Cost of funding earning assets | 1.3596% | 6,368 |
| Net interest margin | 3.9298% | 3,124 |
| Noninterest income to average assets | 0.6646% | 3,255 |
| Noninterest expense to average assets | 2.5451% | 5,915 |
| Loan and lease loss provision to assets | 0.2047% | 5,352 |
| Net operating income to assets | 1.1114% | 1,705 |
| Return on assets (ROA) | 1.1114% | 1,762 |
| Pretax return on assets | 1.6594% | 1,045 |
| Return on Equity (ROE) | 7.8312% | 2,716 |
| Retained earnings to average equity (ytd only) | 6.3370% | 1,799 |
| Net charge-offs to loans | 0.0848% | 5,836 |
| Credit loss provision to net charge-offs | 327.2727% | 1,259 |
| Earnings coverage of net charge-offs (x) | 29.8097% | 939 |
| Efficiency ratio | 57.7231% | 6,756 |
| Assets per employee ($millions) | 3.5145% | 4,891 |
| Cash dividends to net income (ytd only)* | 19.0793% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8657% | 6,908 |
| Loan loss allowance to noncurrent loans | 128.4751% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.8880% | 5,301 |
| Noncurrent loans to loans | 0.6738% | 5,956 |
| Net loans and leases to total assets | 74.1667% | 2,476 |
| Net loans and leases to deposits | 92.9441% | 2,070 |
| Net loans and leases to core deposits | 109.5278% | 3,290 |
| Total domestic deposits to total assets | 79.7971% | 5,521 |
| Equity capital to assets | 14.4888% | 1,147 |
| Core capital (leverage) ratio | 14.3858% | 986 |
| Tier 1 risk-based capital ratio | 20.7807% | 1,401 |
| Total risk-based capital ratio | 21.7215% | 1,420 |
| Memoranda: | ||
| Average total assets | $234,535,000 | 2,787 |
| Average earning assets | $223,485,000 | 2,694 |
| Average equity | $33,285,000 | 2,041 |
| Average total loans | $172,882,250 | 2,623 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3184% | 5,567 |
| Cost of funding earning assets | 1.4029% | 6,468 |
| Net interest margin | 3.9155% | 3,036 |
| Noninterest income to average assets | 0.6558% | 3,300 |
| Noninterest expense to average assets | 2.4711% | 6,220 |
| Loan and lease loss provision to assets | 0.2049% | 5,001 |
| Net operating income to assets | 1.1297% | 1,665 |
| Return on assets (ROA) | 1.1297% | 1,746 |
| Pretax return on assets | 1.7095% | 993 |
| Return on Equity (ROE) | 8.0163% | 2,762 |
| Retained earnings to average equity (ytd only) | 5.7562% | 2,141 |
| Net charge-offs to loans | 0.1304% | 4,867 |
| Credit loss provision to net charge-offs | 214.2857% | 2,147 |
| Earnings coverage of net charge-offs (x) | 20.0179% | 1,334 |
| Efficiency ratio | 56.3474% | 7,077 |
| Assets per employee ($millions) | 3.4447% | 4,962 |
| Cash dividends to net income (ytd only)* | 28.1935% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8041% | 7,143 |
| Loan loss allowance to noncurrent loans | 148.9384% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.7720% | 5,470 |
| Noncurrent loans to loans | 0.5399% | 6,188 |
| Net loans and leases to total assets | 72.8200% | 2,998 |
| Net loans and leases to deposits | 92.1217% | 2,447 |
| Net loans and leases to core deposits | 108.9273% | 3,501 |
| Total domestic deposits to total assets | 79.0476% | 5,799 |
| Equity capital to assets | 14.0890% | 1,283 |
| Core capital (leverage) ratio | 13.9989% | 1,139 |
| Tier 1 risk-based capital ratio | 20.4814% | 1,490 |
| Total risk-based capital ratio | 21.3508% | 1,525 |
| Memoranda: | ||
| Average total assets | $234,223,000 | 2,814 |
| Average earning assets | $223,112,670 | 2,710 |
| Average equity | $33,007,670 | 2,057 |
| Average total loans | $171,787,670 | 2,665 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3883% | 5,483 |
| Cost of funding earning assets | 1.4488% | 6,578 |
| Net interest margin | 3.9395% | 2,887 |
| Noninterest income to average assets | 0.6452% | 3,228 |
| Noninterest expense to average assets | 2.3966% | 6,199 |
| Loan and lease loss provision to assets | 0.2065% | 4,380 |
| Net operating income to assets | 1.1716% | 1,734 |
| Return on assets (ROA) | 1.1716% | 1,850 |
| Pretax return on assets | 1.7893% | 997 |
| Return on Equity (ROE) | 8.3130% | 3,000 |
| Retained earnings to average equity (ytd only) | 3.7598% | 3,807 |
| Net charge-offs to loans | 0.0657% | 4,549 |
| Credit loss provision to net charge-offs | 428.5714% | 1,228 |
| Earnings coverage of net charge-offs (x) | 41.4286% | 821 |
| Efficiency ratio | 54.5633% | 7,162 |
| Assets per employee ($millions) | 3.5387% | 4,730 |
| Cash dividends to net income (ytd only)* | 54.7724% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8019% | 7,153 |
| Loan loss allowance to noncurrent loans | 314.9770% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.5964% | 5,689 |
| Noncurrent loans to loans | 0.2546% | 6,804 |
| Net loans and leases to total assets | 71.3196% | 3,400 |
| Net loans and leases to deposits | 90.4184% | 2,866 |
| Net loans and leases to core deposits | 106.3149% | 3,868 |
| Total domestic deposits to total assets | 78.8773% | 5,773 |
| Equity capital to assets | 13.8611% | 1,405 |
| Core capital (leverage) ratio | 14.0621% | 1,179 |
| Tier 1 risk-based capital ratio | 20.5708% | 1,511 |
| Total risk-based capital ratio | 21.4384% | 1,542 |
| Memoranda: | ||
| Average total assets | $232,493,500 | 2,850 |
| Average earning assets | $221,146,500 | 2,750 |
| Average equity | $32,768,000 | 2,068 |
| Average total loans | $170,440,000 | 2,693 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1884% | 4,573 |
| Cost of funding earning assets | 2.0087% | 6,386 |
| Net interest margin | 4.1797% | 2,391 |
| Noninterest income to average assets | 0.7483% | 2,798 |
| Noninterest expense to average assets | 2.3973% | 6,401 |
| Loan and lease loss provision to assets | 0.1766% | 5,136 |
| Net operating income to assets | 1.3849% | 1,263 |
| Return on assets (ROA) | 1.3849% | 1,212 |
| Pretax return on assets | 2.1412% | 444 |
| Return on Equity (ROE) | 10.0994% | 2,226 |
| Retained earnings to average equity (ytd only) | 8.8921% | 626 |
| Net charge-offs to loans | 0.0354% | 6,308 |
| Credit loss provision to net charge-offs | 677.9661% | 625 |
| Earnings coverage of net charge-offs (x) | 88.9831% | 473 |
| Efficiency ratio | 50.2996% | 7,643 |
| Assets per employee ($millions) | 3.4014% | 4,937 |
| Cash dividends to net income (ytd only)* | 11.9541% | 4,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7482% | 7,294 |
| Loan loss allowance to noncurrent loans | 52.5340% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 1.3344% | 3,546 |
| Noncurrent loans to loans | 1.4242% | 3,671 |
| Net loans and leases to total assets | 74.2206% | 3,051 |
| Net loans and leases to deposits | 94.9766% | 2,616 |
| Net loans and leases to core deposits | 112.6022% | 3,497 |
| Total domestic deposits to total assets | 78.1461% | 5,666 |
| Equity capital to assets | 14.3367% | 1,340 |
| Core capital (leverage) ratio | 14.1518% | 1,229 |
| Tier 1 risk-based capital ratio | 20.3884% | 1,552 |
| Total risk-based capital ratio | 21.1981% | 1,588 |
| Memoranda: | ||
| Average total assets | $226,506,600 | 2,812 |
| Average earning assets | $214,965,200 | 2,713 |
| Average equity | $31,061,400 | 2,165 |
| Average total loans | $166,435,200 | 2,680 |