Home > New Tripoli Bank > Performance and Condition Ratios
New Tripoli 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 | 4.3835% | 3,306 |
| Cost of funding earning assets | 1.8148% | 1,226 |
| Net interest margin | 2.5687% | 4,010 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 1.9924% | 3,652 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.5137% | 3,640 |
| Return on assets (ROA) | 0.5131% | 3,636 |
| Pretax return on assets | 0.5656% | 3,697 |
| Return on Equity (ROE) | 7.4100% | 3,185 |
| Retained earnings to average equity (ytd only) | 0.6780% | 3,908 |
| Net charge-offs to loans | 0.0322% | 1,652 |
| Credit loss provision to net charge-offs | 189.6104% | 1,264 |
| Earnings coverage of net charge-offs (x) | 26.7143% | 1,702 |
| Efficiency ratio | 75.3298% | 1,321 |
| Assets per employee ($millions) | 9.8663% | 736 |
| Cash dividends to net income (ytd only)* | 90.8501% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 2,658 |
| Loan loss allowance to noncurrent loans | 207.7803% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 1,198 |
| Noncurrent loans to loans | 0.5439% | 1,437 |
| Net loans and leases to total assets | 75.4800% | 1,176 |
| Net loans and leases to deposits | 85.9518% | 1,618 |
| Net loans and leases to core deposits | 98.8083% | 1,500 |
| Total domestic deposits to total assets | 87.8200% | 1,412 |
| Equity capital to assets | 7.1058% | 3,899 |
| Core capital (leverage) ratio | 10.3549% | 2,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $630,499,000 | 1,416 |
| Average earning assets | $585,697,800 | 1,405 |
| Average equity | $43,656,200 | 1,771 |
| Average total loans | $478,894,600 | 1,281 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3322% | 3,236 |
| Cost of funding earning assets | 1.6739% | 1,224 |
| Net interest margin | 2.6583% | 3,939 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 1.9246% | 3,768 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.6417% | 3,447 |
| Return on assets (ROA) | 0.6410% | 3,442 |
| Pretax return on assets | 0.7269% | 3,495 |
| Return on Equity (ROE) | 9.3200% | 2,843 |
| Retained earnings to average equity (ytd only) | 4.7423% | 3,025 |
| Net charge-offs to loans | 0.0125% | 1,943 |
| Credit loss provision to net charge-offs | 637.7778% | 537 |
| Earnings coverage of net charge-offs (x) | 83.4000% | 1,024 |
| Efficiency ratio | 70.7960% | 1,698 |
| Assets per employee ($millions) | 9.9340% | 682 |
| Cash dividends to net income (ytd only)* | 49.1089% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1326% | 2,715 |
| Loan loss allowance to noncurrent loans | 183.9629% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.4747% | 1,222 |
| Noncurrent loans to loans | 0.6157% | 1,321 |
| Net loans and leases to total assets | 76.2300% | 1,094 |
| Net loans and leases to deposits | 87.1404% | 1,461 |
| Net loans and leases to core deposits | 100.1428% | 1,314 |
| Total domestic deposits to total assets | 87.4800% | 1,746 |
| Equity capital to assets | 6.2899% | 3,899 |
| Core capital (leverage) ratio | 10.4449% | 2,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $630,263,750 | 1,409 |
| Average earning assets | $585,274,750 | 1,411 |
| Average equity | $43,353,000 | 1,767 |
| Average total loans | $478,104,750 | 1,276 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2549% | 3,191 |
| Cost of funding earning assets | 1.5086% | 1,224 |
| Net interest margin | 2.7463% | 3,913 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 1.9789% | 3,640 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.6555% | 3,448 |
| Return on assets (ROA) | 0.6543% | 3,450 |
| Pretax return on assets | 0.7434% | 3,515 |
| Return on Equity (ROE) | 9.2500% | 2,907 |
| Retained earnings to average equity (ytd only) | 2.5543% | 3,589 |
| Net charge-offs to loans | 0.0207% | 1,477 |
| Credit loss provision to net charge-offs | 395.9184% | 739 |
| Earnings coverage of net charge-offs (x) | 52.6939% | 1,264 |
| Efficiency ratio | 70.6591% | 1,704 |
| Assets per employee ($millions) | 10.1207% | 649 |
| Cash dividends to net income (ytd only)* | 72.3735% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 2,816 |
| Loan loss allowance to noncurrent loans | 178.0934% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.4804% | 1,128 |
| Noncurrent loans to loans | 0.6319% | 1,185 |
| Net loans and leases to total assets | 75.1700% | 1,143 |
| Net loans and leases to deposits | 87.2414% | 1,408 |
| Net loans and leases to core deposits | 98.0451% | 1,342 |
| Total domestic deposits to total assets | 86.1600% | 2,182 |
| Equity capital to assets | 7.0408% | 3,773 |
| Core capital (leverage) ratio | 10.3928% | 2,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $628,426,000 | 1,413 |
| Average earning assets | $583,988,667 | 1,418 |
| Average equity | $44,474,000 | 1,736 |
| Average total loans | $474,068,667 | 1,268 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2040% | 3,033 |
| Cost of funding earning assets | 1.3675% | 1,099 |
| Net interest margin | 2.8365% | 3,888 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 1.8890% | 3,873 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.7851% | 3,242 |
| Return on assets (ROA) | 0.7829% | 3,198 |
| Pretax return on assets | 0.9054% | 3,222 |
| Return on Equity (ROE) | 11.0300% | 2,484 |
| Retained earnings to average equity (ytd only) | 10.7896% | 1,518 |
| Net charge-offs to loans | -0.0034% | 3,543 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.6710% | 2,244 |
| Assets per employee ($millions) | 10.1690% | 669 |
| Cash dividends to net income (ytd only)* | 2.2113% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 2,869 |
| Loan loss allowance to noncurrent loans | 250.6716% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.3424% | 1,493 |
| Noncurrent loans to loans | 0.4534% | 1,589 |
| Net loans and leases to total assets | 74.6600% | 1,124 |
| Net loans and leases to deposits | 86.8433% | 1,294 |
| Net loans and leases to core deposits | 96.2905% | 1,267 |
| Total domestic deposits to total assets | 85.9800% | 2,597 |
| Equity capital to assets | 7.4108% | 3,611 |
| Core capital (leverage) ratio | 10.6967% | 2,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $623,838,500 | 1,447 |
| Average earning assets | $579,161,000 | 1,445 |
| Average equity | $44,265,000 | 1,760 |
| Average total loans | $468,744,000 | 1,291 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9506% | 1,852 |
| Cost of funding earning assets | 0.4654% | 1,615 |
| Net interest margin | 3.4852% | 1,974 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.0106% | 3,554 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.1537% | 1,956 |
| Return on assets (ROA) | 1.1541% | 1,891 |
| Pretax return on assets | 1.3740% | 1,851 |
| Return on Equity (ROE) | 13.3300% | 1,698 |
| Retained earnings to average equity (ytd only) | 7.6023% | 1,986 |
| Net charge-offs to loans | -0.0007% | 3,329 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.4419% | 3,411 |
| Assets per employee ($millions) | 9.4953% | 783 |
| Cash dividends to net income (ytd only)* | 42.9656% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 2,210 |
| Loan loss allowance to noncurrent loans | 205.0647% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.4511% | 1,129 |
| Noncurrent loans to loans | 0.6035% | 1,239 |
| Net loans and leases to total assets | 73.8200% | 1,230 |
| Net loans and leases to deposits | 84.3315% | 1,443 |
| Net loans and leases to core deposits | 90.6167% | 1,473 |
| Total domestic deposits to total assets | 87.5400% | 2,219 |
| Equity capital to assets | 6.7735% | 3,776 |
| Core capital (leverage) ratio | 10.4710% | 2,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $593,689,200 | 1,501 |
| Average earning assets | $553,340,400 | 1,498 |
| Average equity | $51,405,400 | 1,580 |
| Average total loans | $427,458,000 | 1,319 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8785% | 1,534 |
| Cost of funding earning assets | 0.3191% | 1,967 |
| Net interest margin | 3.5594% | 1,491 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 1.9847% | 3,520 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.2656% | 1,474 |
| Return on assets (ROA) | 1.2666% | 1,432 |
| Pretax return on assets | 1.5165% | 1,368 |
| Return on Equity (ROE) | 13.8400% | 1,472 |
| Retained earnings to average equity (ytd only) | 10.3705% | 1,236 |
| Net charge-offs to loans | 0.0003% | 2,341 |
| Credit loss provision to net charge-offs | 30,000.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 6,981.0000% | 11 |
| Efficiency ratio | 55.6227% | 3,658 |
| Assets per employee ($millions) | 9.6280% | 723 |
| Cash dividends to net income (ytd only)* | 25.0537% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 2,585 |
| Loan loss allowance to noncurrent loans | 308.2947% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.2888% | 1,797 |
| Noncurrent loans to loans | 0.3858% | 1,851 |
| Net loans and leases to total assets | 73.9700% | 1,098 |
| Net loans and leases to deposits | 82.5503% | 1,398 |
| Net loans and leases to core deposits | 85.1459% | 1,574 |
| Total domestic deposits to total assets | 89.6000% | 1,828 |
| Equity capital to assets | 6.7952% | 3,620 |
| Core capital (leverage) ratio | 10.8819% | 1,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $587,812,500 | 1,522 |
| Average earning assets | $548,960,000 | 1,514 |
| Average equity | $53,805,250 | 1,541 |
| Average total loans | $418,990,000 | 1,333 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7743% | 1,363 |
| Cost of funding earning assets | 0.2552% | 2,192 |
| Net interest margin | 3.5190% | 1,267 |
| Noninterest income to average assets | 0.2363% | 3,760 |
| Noninterest expense to average assets | 1.9946% | 3,441 |
| Loan and lease loss provision to assets | 0.0684% | 1,388 |
| Net operating income to assets | 1.2258% | 1,348 |
| Return on assets (ROA) | 1.2258% | 1,331 |
| Pretax return on assets | 1.4693% | 1,249 |
| Return on Equity (ROE) | 12.3121% | 1,577 |
| Retained earnings to average equity (ytd only) | 7.5061% | 1,812 |
| Net charge-offs to loans | -0.0039% | 3,271 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4679% | 3,730 |
| Assets per employee ($millions) | 9.4449% | 766 |
| Cash dividends to net income (ytd only)* | 39.0346% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 2,461 |
| Loan loss allowance to noncurrent loans | 238.7569% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.3736% | 1,496 |
| Noncurrent loans to loans | 0.5199% | 1,586 |
| Net loans and leases to total assets | 70.9705% | 1,205 |
| Net loans and leases to deposits | 80.6315% | 1,338 |
| Net loans and leases to core deposits | 85.7208% | 1,360 |
| Total domestic deposits to total assets | 88.0184% | 2,567 |
| Equity capital to assets | 8.7341% | 2,589 |
| Core capital (leverage) ratio | 11.0145% | 1,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $584,771,333 | 1,536 |
| Average earning assets | $547,708,667 | 1,529 |
| Average equity | $58,219,333 | 1,474 |
| Average total loans | $409,705,000 | 1,351 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7285% | 1,225 |
| Cost of funding earning assets | 0.2500% | 2,163 |
| Net interest margin | 3.4784% | 1,128 |
| Noninterest income to average assets | 0.2327% | 3,751 |
| Noninterest expense to average assets | 1.8831% | 3,715 |
| Loan and lease loss provision to assets | 0.0685% | 1,200 |
| Net operating income to assets | 1.2807% | 1,043 |
| Return on assets (ROA) | 1.2807% | 1,036 |
| Pretax return on assets | 1.5477% | 925 |
| Return on Equity (ROE) | 12.1186% | 1,272 |
| Retained earnings to average equity (ytd only) | 11.6652% | 650 |
| Net charge-offs to loans | -0.0040% | 3,272 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8146% | 4,068 |
| Assets per employee ($millions) | 9.6674% | 739 |
| Cash dividends to net income (ytd only)* | 3.7413% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 2,542 |
| Loan loss allowance to noncurrent loans | 223.6785% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.3946% | 1,521 |
| Noncurrent loans to loans | 0.5638% | 1,629 |
| Net loans and leases to total assets | 69.1156% | 1,104 |
| Net loans and leases to deposits | 78.4840% | 1,248 |
| Net loans and leases to core deposits | 81.0715% | 1,416 |
| Total domestic deposits to total assets | 88.0632% | 2,492 |
| Equity capital to assets | 10.1506% | 1,792 |
| Core capital (leverage) ratio | 11.0322% | 1,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $584,366,500 | 1,547 |
| Average earning assets | $548,753,000 | 1,535 |
| Average equity | $61,756,500 | 1,445 |
| Average total loans | $404,150,500 | 1,358 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8695% | 1,700 |
| Cost of funding earning assets | 0.3249% | 2,164 |
| Net interest margin | 3.5446% | 1,618 |
| Noninterest income to average assets | 0.2494% | 3,875 |
| Noninterest expense to average assets | 1.9801% | 3,738 |
| Loan and lease loss provision to assets | 0.0314% | 2,425 |
| Net operating income to assets | 1.3188% | 1,555 |
| Return on assets (ROA) | 1.3248% | 1,576 |
| Pretax return on assets | 1.5740% | 1,498 |
| Return on Equity (ROE) | 11.7028% | 1,917 |
| Retained earnings to average equity (ytd only) | 7.3807% | 1,767 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3352% | 3,780 |
| Assets per employee ($millions) | 9.9777% | 672 |
| Cash dividends to net income (ytd only)* | 36.9320% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 2,637 |
| Loan loss allowance to noncurrent loans | 227.2768% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.3749% | 1,724 |
| Noncurrent loans to loans | 0.5486% | 1,750 |
| Net loans and leases to total assets | 67.4829% | 1,323 |
| Net loans and leases to deposits | 77.8212% | 1,413 |
| Net loans and leases to core deposits | 80.8935% | 1,526 |
| Total domestic deposits to total assets | 86.7154% | 2,616 |
| Equity capital to assets | 10.9795% | 1,803 |
| Core capital (leverage) ratio | 10.8623% | 1,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $556,532,000 | 1,552 |
| Average earning assets | $522,679,200 | 1,539 |
| Average equity | $63,002,200 | 1,454 |
| Average total loans | $399,394,400 | 1,375 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9275% | 1,685 |
| Cost of funding earning assets | 0.3432% | 2,180 |
| Net interest margin | 3.5843% | 1,637 |
| Noninterest income to average assets | 0.2409% | 3,956 |
| Noninterest expense to average assets | 1.9330% | 3,857 |
| Loan and lease loss provision to assets | 0.0425% | 2,147 |
| Net operating income to assets | 1.3681% | 1,635 |
| Return on assets (ROA) | 1.3749% | 1,667 |
| Pretax return on assets | 1.6367% | 1,588 |
| Return on Equity (ROE) | 12.0477% | 2,031 |
| Retained earnings to average equity (ytd only) | 9.3489% | 1,554 |
| Net charge-offs to loans | -0.0050% | 3,438 |
| Credit loss provision to net charge-offs | -1,166.6667% | 3,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6319% | 3,852 |
| Assets per employee ($millions) | 9.5225% | 763 |
| Cash dividends to net income (ytd only)* | 22.4010% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 2,638 |
| Loan loss allowance to noncurrent loans | 194.7735% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.4598% | 1,656 |
| Noncurrent loans to loans | 0.6514% | 1,683 |
| Net loans and leases to total assets | 69.6885% | 1,107 |
| Net loans and leases to deposits | 80.9827% | 1,191 |
| Net loans and leases to core deposits | 84.2534% | 1,408 |
| Total domestic deposits to total assets | 86.0535% | 2,725 |
| Equity capital to assets | 11.5384% | 1,641 |
| Core capital (leverage) ratio | 11.3420% | 1,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $548,493,250 | 1,586 |
| Average earning assets | $514,677,000 | 1,571 |
| Average equity | $62,594,000 | 1,483 |
| Average total loans | $398,673,250 | 1,410 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9458% | 1,694 |
| Cost of funding earning assets | 0.3706% | 2,134 |
| Net interest margin | 3.5752% | 1,650 |
| Noninterest income to average assets | 0.1180% | 4,611 |
| Noninterest expense to average assets | 1.8101% | 4,164 |
| Loan and lease loss provision to assets | 0.0643% | 1,755 |
| Net operating income to assets | 1.3461% | 1,722 |
| Return on assets (ROA) | 1.3554% | 1,771 |
| Pretax return on assets | 1.6098% | 1,709 |
| Return on Equity (ROE) | 11.9224% | 2,097 |
| Retained earnings to average equity (ytd only) | 7.8254% | 2,142 |
| Net charge-offs to loans | -0.0050% | 3,439 |
| Credit loss provision to net charge-offs | -1,750.0000% | 3,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1169% | 4,033 |
| Assets per employee ($millions) | 9.2379% | 791 |
| Cash dividends to net income (ytd only)* | 34.3640% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 2,667 |
| Loan loss allowance to noncurrent loans | 190.3067% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.4846% | 1,733 |
| Noncurrent loans to loans | 0.6580% | 1,773 |
| Net loans and leases to total assets | 72.7199% | 881 |
| Net loans and leases to deposits | 84.5425% | 1,021 |
| Net loans and leases to core deposits | 90.3526% | 1,117 |
| Total domestic deposits to total assets | 86.0157% | 2,736 |
| Equity capital to assets | 11.5352% | 1,608 |
| Core capital (leverage) ratio | 11.0333% | 1,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $544,049,000 | 1,589 |
| Average earning assets | $510,570,000 | 1,575 |
| Average equity | $61,850,000 | 1,491 |
| Average total loans | $399,378,000 | 1,411 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9463% | 1,714 |
| Cost of funding earning assets | 0.4123% | 1,998 |
| Net interest margin | 3.5341% | 1,737 |
| Noninterest income to average assets | 0.1141% | 4,620 |
| Noninterest expense to average assets | 1.6911% | 4,394 |
| Loan and lease loss provision to assets | 0.1288% | 1,066 |
| Net operating income to assets | 1.3577% | 1,667 |
| Return on assets (ROA) | 1.3577% | 1,756 |
| Pretax return on assets | 1.6123% | 1,689 |
| Return on Equity (ROE) | 12.0314% | 2,001 |
| Retained earnings to average equity (ytd only) | 12.0314% | 1,138 |
| Net charge-offs to loans | -0.0040% | 3,313 |
| Credit loss provision to net charge-offs | -4,375.0000% | 3,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2710% | 4,247 |
| Assets per employee ($millions) | 9.7655% | 639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 1,987 |
| Loan loss allowance to noncurrent loans | 191.7864% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.5343% | 1,776 |
| Noncurrent loans to loans | 0.7266% | 1,785 |
| Net loans and leases to total assets | 72.5088% | 954 |
| Net loans and leases to deposits | 83.9122% | 1,154 |
| Net loans and leases to core deposits | 90.1887% | 1,220 |
| Total domestic deposits to total assets | 86.4103% | 2,569 |
| Equity capital to assets | 11.1648% | 1,747 |
| Core capital (leverage) ratio | 11.1457% | 1,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $543,556,500 | 1,576 |
| Average earning assets | $510,348,000 | 1,562 |
| Average equity | $61,339,500 | 1,485 |
| Average total loans | $398,380,000 | 1,417 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1670% | 2,237 |
| Cost of funding earning assets | 0.7617% | 1,388 |
| Net interest margin | 3.4053% | 2,761 |
| Noninterest income to average assets | 0.1417% | 4,586 |
| Noninterest expense to average assets | 1.8480% | 4,395 |
| Loan and lease loss provision to assets | 0.1361% | 2,661 |
| Net operating income to assets | 1.1510% | 1,720 |
| Return on assets (ROA) | 1.1807% | 1,725 |
| Pretax return on assets | 1.3741% | 1,744 |
| Return on Equity (ROE) | 10.3098% | 1,881 |
| Retained earnings to average equity (ytd only) | 5.9992% | 1,793 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6023% | 4,030 |
| Assets per employee ($millions) | 9.4780% | 629 |
| Cash dividends to net income (ytd only)* | 41.8107% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3747% | 2,082 |
| Loan loss allowance to noncurrent loans | 172.8257% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.5810% | 1,815 |
| Noncurrent loans to loans | 0.7954% | 1,747 |
| Net loans and leases to total assets | 72.0421% | 1,283 |
| Net loans and leases to deposits | 84.6198% | 1,398 |
| Net loans and leases to core deposits | 92.6339% | 1,328 |
| Total domestic deposits to total assets | 85.1362% | 2,705 |
| Equity capital to assets | 11.4063% | 1,956 |
| Core capital (leverage) ratio | 11.0541% | 1,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $514,508,800 | 1,507 |
| Average earning assets | $480,757,600 | 1,505 |
| Average equity | $58,924,600 | 1,470 |
| Average total loans | $392,230,200 | 1,385 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2029% | 2,396 |
| Cost of funding earning assets | 0.8536% | 1,242 |
| Net interest margin | 3.3492% | 3,044 |
| Noninterest income to average assets | 0.1341% | 4,623 |
| Noninterest expense to average assets | 1.9099% | 4,313 |
| Loan and lease loss provision to assets | 0.1510% | 2,510 |
| Net operating income to assets | 1.0442% | 2,173 |
| Return on assets (ROA) | 1.0633% | 2,230 |
| Pretax return on assets | 1.2213% | 2,317 |
| Return on Equity (ROE) | 9.2747% | 2,294 |
| Retained earnings to average equity (ytd only) | 6.5051% | 1,884 |
| Net charge-offs to loans | 0.0007% | 3,220 |
| Credit loss provision to net charge-offs | 28,750.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 2,572.5000% | 35 |
| Efficiency ratio | 58.5849% | 3,586 |
| Assets per employee ($millions) | 9.0875% | 678 |
| Cash dividends to net income (ytd only)* | 29.8618% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 2,005 |
| Loan loss allowance to noncurrent loans | 187.6062% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.5452% | 2,074 |
| Noncurrent loans to loans | 0.7144% | 2,006 |
| Net loans and leases to total assets | 75.2914% | 1,190 |
| Net loans and leases to deposits | 88.7851% | 1,395 |
| Net loans and leases to core deposits | 97.9900% | 1,307 |
| Total domestic deposits to total assets | 84.8018% | 2,513 |
| Equity capital to assets | 11.6985% | 1,880 |
| Core capital (leverage) ratio | 11.4003% | 1,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $508,075,000 | 1,497 |
| Average earning assets | $474,204,250 | 1,505 |
| Average equity | $58,250,250 | 1,475 |
| Average total loans | $391,630,750 | 1,376 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2420% | 2,628 |
| Cost of funding earning assets | 0.9941% | 1,003 |
| Net interest margin | 3.2479% | 3,533 |
| Noninterest income to average assets | 0.1387% | 4,612 |
| Noninterest expense to average assets | 1.9411% | 4,346 |
| Loan and lease loss provision to assets | 0.1288% | 2,737 |
| Net operating income to assets | 0.9658% | 2,439 |
| Return on assets (ROA) | 0.9937% | 2,479 |
| Pretax return on assets | 1.1296% | 2,621 |
| Return on Equity (ROE) | 8.7283% | 2,483 |
| Retained earnings to average equity (ytd only) | 4.5173% | 2,699 |
| Net charge-offs to loans | -0.0010% | 3,752 |
| Credit loss provision to net charge-offs | -16,250.0000% | 4,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2758% | 3,240 |
| Assets per employee ($millions) | 8.8288% | 716 |
| Cash dividends to net income (ytd only)* | 48.2456% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 2,155 |
| Loan loss allowance to noncurrent loans | 200.3172% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.4925% | 2,363 |
| Noncurrent loans to loans | 0.6341% | 2,278 |
| Net loans and leases to total assets | 76.6898% | 1,046 |
| Net loans and leases to deposits | 96.2102% | 779 |
| Net loans and leases to core deposits | 109.4203% | 760 |
| Total domestic deposits to total assets | 79.7107% | 3,894 |
| Equity capital to assets | 11.4311% | 2,020 |
| Core capital (leverage) ratio | 11.0171% | 1,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $504,770,333 | 1,484 |
| Average earning assets | $470,763,000 | 1,480 |
| Average equity | $57,468,000 | 1,476 |
| Average total loans | $390,408,000 | 1,355 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2932% | 2,945 |
| Cost of funding earning assets | 1.1486% | 911 |
| Net interest margin | 3.1446% | 3,999 |
| Noninterest income to average assets | 0.1381% | 4,675 |
| Noninterest expense to average assets | 2.0626% | 4,291 |
| Loan and lease loss provision to assets | 0.0998% | 2,436 |
| Net operating income to assets | 0.8190% | 2,840 |
| Return on assets (ROA) | 0.8190% | 2,930 |
| Pretax return on assets | 0.9084% | 3,113 |
| Return on Equity (ROE) | 7.2083% | 2,862 |
| Retained earnings to average equity (ytd only) | 7.1802% | 1,482 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1692% | 2,797 |
| Assets per employee ($millions) | 8.3644% | 648 |
| Cash dividends to net income (ytd only)* | 0.3899% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 2,397 |
| Loan loss allowance to noncurrent loans | 180.0297% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.5368% | 2,379 |
| Noncurrent loans to loans | 0.6938% | 2,262 |
| Net loans and leases to total assets | 76.4094% | 1,229 |
| Net loans and leases to deposits | 97.1856% | 801 |
| Net loans and leases to core deposits | 111.8732% | 760 |
| Total domestic deposits to total assets | 78.6222% | 4,116 |
| Equity capital to assets | 11.4693% | 2,462 |
| Core capital (leverage) ratio | 11.1540% | 2,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $501,121,500 | 1,462 |
| Average earning assets | $467,345,500 | 1,451 |
| Average equity | $56,934,500 | 1,472 |
| Average total loans | $386,734,000 | 1,331 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4078% | 3,226 |
| Cost of funding earning assets | 1.3086% | 752 |
| Net interest margin | 3.0992% | 4,368 |
| Noninterest income to average assets | 0.1412% | 4,770 |
| Noninterest expense to average assets | 1.9743% | 4,577 |
| Loan and lease loss provision to assets | 0.0508% | 3,009 |
| Net operating income to assets | 0.9040% | 3,194 |
| Return on assets (ROA) | 0.9768% | 3,002 |
| Pretax return on assets | 1.0778% | 3,239 |
| Return on Equity (ROE) | 8.7236% | 2,867 |
| Retained earnings to average equity (ytd only) | 3.8266% | 3,062 |
| Net charge-offs to loans | -0.0301% | 4,710 |
| Credit loss provision to net charge-offs | -221.2389% | 4,314 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3135% | 2,872 |
| Assets per employee ($millions) | 8.2030% | 662 |
| Cash dividends to net income (ytd only)* | 56.1356% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 2,300 |
| Loan loss allowance to noncurrent loans | 200.8929% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.4700% | 2,527 |
| Noncurrent loans to loans | 0.6107% | 2,359 |
| Net loans and leases to total assets | 76.0267% | 1,411 |
| Net loans and leases to deposits | 98.3221% | 731 |
| Net loans and leases to core deposits | 110.4577% | 827 |
| Total domestic deposits to total assets | 77.3241% | 4,459 |
| Equity capital to assets | 11.2532% | 2,758 |
| Core capital (leverage) ratio | 11.0627% | 2,449 |
| Tier 1 risk-based capital ratio | 15.7724% | 2,480 |
| Total risk-based capital ratio | 17.0240% | 2,418 |
| Memoranda: | ||
| Average total assets | $492,217,600 | 1,449 |
| Average earning assets | $457,663,800 | 1,439 |
| Average equity | $55,114,800 | 1,471 |
| Average total loans | $375,331,000 | 1,340 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3858% | 3,407 |
| Cost of funding earning assets | 1.3384% | 698 |
| Net interest margin | 3.0474% | 4,562 |
| Noninterest income to average assets | 0.1308% | 4,874 |
| Noninterest expense to average assets | 1.9552% | 4,638 |
| Loan and lease loss provision to assets | 0.0680% | 2,522 |
| Net operating income to assets | 0.8632% | 3,472 |
| Return on assets (ROA) | 0.9371% | 3,282 |
| Pretax return on assets | 1.0176% | 3,536 |
| Return on Equity (ROE) | 8.3793% | 3,163 |
| Retained earnings to average equity (ytd only) | 5.1224% | 2,836 |
| Net charge-offs to loans | -0.0257% | 4,653 |
| Credit loss provision to net charge-offs | -347.2222% | 4,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0419% | 2,721 |
| Assets per employee ($millions) | 8.1820% | 645 |
| Cash dividends to net income (ytd only)* | 38.8679% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 2,364 |
| Loan loss allowance to noncurrent loans | 211.3718% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.4440% | 2,751 |
| Noncurrent loans to loans | 0.5800% | 2,548 |
| Net loans and leases to total assets | 75.6146% | 1,545 |
| Net loans and leases to deposits | 95.8775% | 1,028 |
| Net loans and leases to core deposits | 108.4316% | 1,025 |
| Total domestic deposits to total assets | 78.8658% | 4,210 |
| Equity capital to assets | 11.3887% | 2,748 |
| Core capital (leverage) ratio | 10.9303% | 2,711 |
| Tier 1 risk-based capital ratio | 15.7196% | 2,547 |
| Total risk-based capital ratio | 16.9710% | 2,486 |
| Memoranda: | ||
| Average total assets | $490,176,500 | 1,456 |
| Average earning assets | $455,151,500 | 1,454 |
| Average equity | $54,816,250 | 1,477 |
| Average total loans | $372,876,500 | 1,357 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3764% | 3,393 |
| Cost of funding earning assets | 1.3418% | 658 |
| Net interest margin | 3.0345% | 4,629 |
| Noninterest income to average assets | 0.1531% | 4,814 |
| Noninterest expense to average assets | 1.9466% | 4,686 |
| Loan and lease loss provision to assets | 0.1026% | 1,822 |
| Net operating income to assets | 0.8595% | 3,433 |
| Return on assets (ROA) | 0.8908% | 3,387 |
| Pretax return on assets | 0.9532% | 3,699 |
| Return on Equity (ROE) | 8.0161% | 3,286 |
| Retained earnings to average equity (ytd only) | 3.0882% | 3,674 |
| Net charge-offs to loans | -0.0379% | 4,748 |
| Credit loss provision to net charge-offs | -357.1429% | 4,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5697% | 2,877 |
| Assets per employee ($millions) | 7.9780% | 680 |
| Cash dividends to net income (ytd only)* | 61.4747% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2398% | 2,308 |
| Loan loss allowance to noncurrent loans | 233.2835% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.4765% | 2,624 |
| Noncurrent loans to loans | 0.5314% | 2,682 |
| Net loans and leases to total assets | 75.4032% | 1,646 |
| Net loans and leases to deposits | 97.4815% | 891 |
| Net loans and leases to core deposits | 109.3167% | 1,013 |
| Total domestic deposits to total assets | 77.3513% | 4,515 |
| Equity capital to assets | 11.1949% | 2,862 |
| Core capital (leverage) ratio | 10.7184% | 2,879 |
| Tier 1 risk-based capital ratio | 15.3845% | 2,664 |
| Total risk-based capital ratio | 16.6360% | 2,598 |
| Memoranda: | ||
| Average total assets | $487,201,670 | 1,466 |
| Average earning assets | $452,063,330 | 1,463 |
| Average equity | $54,141,330 | 1,484 |
| Average total loans | $369,809,670 | 1,374 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3628% | 3,365 |
| Cost of funding earning assets | 1.3078% | 645 |
| Net interest margin | 3.0550% | 4,660 |
| Noninterest income to average assets | 0.1431% | 4,878 |
| Noninterest expense to average assets | 2.0617% | 4,529 |
| Loan and lease loss provision to assets | 0.2068% | 767 |
| Net operating income to assets | 0.6934% | 3,958 |
| Return on assets (ROA) | 0.7396% | 3,855 |
| Pretax return on assets | 0.7512% | 4,169 |
| Return on Equity (ROE) | 6.6810% | 3,779 |
| Retained earnings to average equity (ytd only) | 5.7095% | 2,588 |
| Net charge-offs to loans | -0.0372% | 4,732 |
| Credit loss provision to net charge-offs | -735.2941% | 3,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3571% | 2,447 |
| Assets per employee ($millions) | 8.1136% | 648 |
| Cash dividends to net income (ytd only)* | 14.5414% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 2,292 |
| Loan loss allowance to noncurrent loans | 265.6375% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.4312% | 2,862 |
| Noncurrent loans to loans | 0.4731% | 2,897 |
| Net loans and leases to total assets | 74.9815% | 1,643 |
| Net loans and leases to deposits | 99.0664% | 693 |
| Net loans and leases to core deposits | 113.1227% | 780 |
| Total domestic deposits to total assets | 75.6881% | 4,796 |
| Equity capital to assets | 11.1948% | 2,659 |
| Core capital (leverage) ratio | 10.8952% | 2,668 |
| Tier 1 risk-based capital ratio | 15.5357% | 2,635 |
| Total risk-based capital ratio | 16.7873% | 2,552 |
| Memoranda: | ||
| Average total assets | $483,485,500 | 1,481 |
| Average earning assets | $447,789,000 | 1,482 |
| Average equity | $53,525,000 | 1,484 |
| Average total loans | $365,888,500 | 1,390 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3386% | 2,967 |
| Cost of funding earning assets | 1.0675% | 557 |
| Net interest margin | 3.2711% | 4,335 |
| Noninterest income to average assets | 0.1615% | 4,914 |
| Noninterest expense to average assets | 1.8693% | 4,936 |
| Loan and lease loss provision to assets | 0.1835% | 1,061 |
| Net operating income to assets | 1.0625% | 2,753 |
| Return on assets (ROA) | 1.0891% | 2,640 |
| Pretax return on assets | 1.1833% | 2,948 |
| Return on Equity (ROE) | 9.7330% | 2,627 |
| Retained earnings to average equity (ytd only) | 4.6475% | 2,964 |
| Net charge-offs to loans | 0.1443% | 1,322 |
| Credit loss provision to net charge-offs | 168.9861% | 1,647 |
| Earnings coverage of net charge-offs (x) | 12.3201% | 2,540 |
| Efficiency ratio | 58.2862% | 4,120 |
| Assets per employee ($millions) | 8.4238% | 574 |
| Cash dividends to net income (ytd only)* | 52.2498% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2046% | 2,546 |
| Loan loss allowance to noncurrent loans | 243.0084% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.4467% | 2,779 |
| Noncurrent loans to loans | 0.4957% | 2,784 |
| Net loans and leases to total assets | 74.5066% | 1,837 |
| Net loans and leases to deposits | 94.5835% | 1,218 |
| Net loans and leases to core deposits | 117.2253% | 644 |
| Total domestic deposits to total assets | 78.7733% | 4,358 |
| Equity capital to assets | 10.9448% | 2,739 |
| Core capital (leverage) ratio | 10.7735% | 2,759 |
| Tier 1 risk-based capital ratio | 15.5614% | 2,590 |
| Total risk-based capital ratio | 16.8123% | 2,515 |
| Memoranda: | ||
| Average total assets | $463,209,600 | 1,506 |
| Average earning assets | $431,289,800 | 1,499 |
| Average equity | $51,834,200 | 1,465 |
| Average total loans | $348,540,800 | 1,410 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2974% | 2,974 |
| Cost of funding earning assets | 0.9952% | 608 |
| Net interest margin | 3.3022% | 4,273 |
| Noninterest income to average assets | 0.1522% | 5,017 |
| Noninterest expense to average assets | 1.9022% | 4,895 |
| Loan and lease loss provision to assets | 0.1888% | 949 |
| Net operating income to assets | 1.0492% | 2,867 |
| Return on assets (ROA) | 1.0850% | 2,742 |
| Pretax return on assets | 1.1780% | 3,078 |
| Return on Equity (ROE) | 9.6407% | 2,781 |
| Retained earnings to average equity (ytd only) | 6.2929% | 2,496 |
| Net charge-offs to loans | 0.1653% | 1,000 |
| Credit loss provision to net charge-offs | 151.8692% | 1,686 |
| Earnings coverage of net charge-offs (x) | 10.6799% | 2,566 |
| Efficiency ratio | 58.8902% | 3,978 |
| Assets per employee ($millions) | 8.3390% | 560 |
| Cash dividends to net income (ytd only)* | 34.7255% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 2,656 |
| Loan loss allowance to noncurrent loans | 164.3522% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.6160% | 2,335 |
| Noncurrent loans to loans | 0.7264% | 2,264 |
| Net loans and leases to total assets | 73.7747% | 2,021 |
| Net loans and leases to deposits | 93.3643% | 1,456 |
| Net loans and leases to core deposits | 115.3373% | 746 |
| Total domestic deposits to total assets | 79.0181% | 4,313 |
| Equity capital to assets | 10.8000% | 2,842 |
| Core capital (leverage) ratio | 11.1080% | 2,484 |
| Tier 1 risk-based capital ratio | 15.7874% | 2,532 |
| Total risk-based capital ratio | 17.0379% | 2,467 |
| Memoranda: | ||
| Average total assets | $458,973,250 | 1,527 |
| Average earning assets | $427,785,750 | 1,514 |
| Average equity | $51,654,750 | 1,471 |
| Average total loans | $345,148,750 | 1,427 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2935% | 2,781 |
| Cost of funding earning assets | 0.9167% | 686 |
| Net interest margin | 3.3768% | 4,030 |
| Noninterest income to average assets | 0.1363% | 5,131 |
| Noninterest expense to average assets | 1.8619% | 5,013 |
| Loan and lease loss provision to assets | 0.1764% | 1,027 |
| Net operating income to assets | 1.1321% | 2,470 |
| Return on assets (ROA) | 1.1858% | 2,255 |
| Pretax return on assets | 1.3053% | 2,486 |
| Return on Equity (ROE) | 10.3900% | 2,385 |
| Retained earnings to average equity (ytd only) | 5.5833% | 2,779 |
| Net charge-offs to loans | 0.1012% | 1,339 |
| Credit loss provision to net charge-offs | 231.2139% | 1,189 |
| Earnings coverage of net charge-offs (x) | 18.6474% | 1,891 |
| Efficiency ratio | 56.6864% | 4,392 |
| Assets per employee ($millions) | 8.4290% | 535 |
| Cash dividends to net income (ytd only)* | 46.2626% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2147% | 2,637 |
| Loan loss allowance to noncurrent loans | 143.4077% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.6381% | 2,309 |
| Noncurrent loans to loans | 0.8470% | 2,029 |
| Net loans and leases to total assets | 74.4144% | 1,882 |
| Net loans and leases to deposits | 105.0845% | 476 |
| Net loans and leases to core deposits | 122.9742% | 489 |
| Total domestic deposits to total assets | 70.8138% | 5,244 |
| Equity capital to assets | 11.1815% | 2,473 |
| Core capital (leverage) ratio | 11.1222% | 2,423 |
| Tier 1 risk-based capital ratio | 16.0786% | 2,408 |
| Total risk-based capital ratio | 17.3298% | 2,347 |
| Memoranda: | ||
| Average total assets | $453,523,330 | 1,547 |
| Average earning assets | $422,820,670 | 1,536 |
| Average equity | $51,761,330 | 1,473 |
| Average total loans | $341,896,670 | 1,435 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2456% | 2,726 |
| Cost of funding earning assets | 0.8581% | 738 |
| Net interest margin | 3.3875% | 3,924 |
| Noninterest income to average assets | 0.1213% | 5,250 |
| Noninterest expense to average assets | 1.9782% | 4,886 |
| Loan and lease loss provision to assets | 0.1784% | 968 |
| Net operating income to assets | 1.0413% | 2,685 |
| Return on assets (ROA) | 1.0676% | 2,585 |
| Pretax return on assets | 1.1586% | 2,942 |
| Return on Equity (ROE) | 9.2569% | 2,785 |
| Retained earnings to average equity (ytd only) | 9.0172% | 1,454 |
| Net charge-offs to loans | 0.0449% | 1,667 |
| Credit loss provision to net charge-offs | 526.3158% | 564 |
| Earnings coverage of net charge-offs (x) | 38.6053% | 1,086 |
| Efficiency ratio | 60.1900% | 4,040 |
| Assets per employee ($millions) | 8.5794% | 511 |
| Cash dividends to net income (ytd only)* | 2.5898% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2133% | 2,728 |
| Loan loss allowance to noncurrent loans | 140.0738% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.6818% | 2,287 |
| Noncurrent loans to loans | 0.8662% | 2,088 |
| Net loans and leases to total assets | 74.7944% | 1,743 |
| Net loans and leases to deposits | 103.0744% | 531 |
| Net loans and leases to core deposits | 119.4862% | 599 |
| Total domestic deposits to total assets | 72.5635% | 5,246 |
| Equity capital to assets | 11.3706% | 2,242 |
| Core capital (leverage) ratio | 11.3507% | 2,123 |
| Tier 1 risk-based capital ratio | 16.4166% | 2,311 |
| Total risk-based capital ratio | 17.6682% | 2,253 |
| Memoranda: | ||
| Average total assets | $448,487,000 | 1,571 |
| Average earning assets | $419,073,000 | 1,558 |
| Average equity | $51,723,500 | 1,487 |
| Average total loans | $338,233,000 | 1,455 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3023% | 2,323 |
| Cost of funding earning assets | 0.7787% | 701 |
| Net interest margin | 3.5236% | 3,455 |
| Noninterest income to average assets | 0.1870% | 5,023 |
| Noninterest expense to average assets | 2.0386% | 4,895 |
| Loan and lease loss provision to assets | 0.1058% | 2,117 |
| Net operating income to assets | 1.0494% | 2,052 |
| Return on assets (ROA) | 1.0427% | 2,112 |
| Pretax return on assets | 1.3302% | 2,247 |
| Return on Equity (ROE) | 8.7064% | 2,448 |
| Retained earnings to average equity (ytd only) | 3.5762% | 3,129 |
| Net charge-offs to loans | 0.1255% | 1,795 |
| Credit loss provision to net charge-offs | 115.3453% | 2,274 |
| Earnings coverage of net charge-offs (x) | 15.7442% | 2,224 |
| Efficiency ratio | 58.5259% | 4,471 |
| Assets per employee ($millions) | 8.3446% | 561 |
| Cash dividends to net income (ytd only)* | 58.9242% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 2,723 |
| Loan loss allowance to noncurrent loans | 123.0086% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.7792% | 1,999 |
| Noncurrent loans to loans | 0.9826% | 1,803 |
| Net loans and leases to total assets | 74.2038% | 1,884 |
| Net loans and leases to deposits | 102.1111% | 598 |
| Net loans and leases to core deposits | 118.1397% | 647 |
| Total domestic deposits to total assets | 72.6696% | 5,286 |
| Equity capital to assets | 11.6997% | 2,033 |
| Core capital (leverage) ratio | 11.4117% | 2,007 |
| Tier 1 risk-based capital ratio | 16.8360% | 2,147 |
| Total risk-based capital ratio | 18.0884% | 2,096 |
| Memoranda: | ||
| Average total assets | $426,116,400 | 1,620 |
| Average earning assets | $398,622,800 | 1,600 |
| Average equity | $51,031,600 | 1,500 |
| Average total loans | $311,659,800 | 1,525 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2903% | 2,291 |
| Cost of funding earning assets | 0.7700% | 686 |
| Net interest margin | 3.5203% | 3,426 |
| Noninterest income to average assets | 0.2060% | 4,975 |
| Noninterest expense to average assets | 2.0776% | 4,783 |
| Loan and lease loss provision to assets | 0.0951% | 2,198 |
| Net operating income to assets | 1.1517% | 1,876 |
| Return on assets (ROA) | 1.1413% | 1,962 |
| Pretax return on assets | 1.3141% | 2,422 |
| Return on Equity (ROE) | 9.4727% | 2,363 |
| Retained earnings to average equity (ytd only) | 5.7785% | 2,385 |
| Net charge-offs to loans | 0.1714% | 1,218 |
| Credit loss provision to net charge-offs | 76.3959% | 2,629 |
| Earnings coverage of net charge-offs (x) | 11.4188% | 2,507 |
| Efficiency ratio | 59.3806% | 4,311 |
| Assets per employee ($millions) | 8.3807% | 550 |
| Cash dividends to net income (ytd only)* | 38.9981% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 2,975 |
| Loan loss allowance to noncurrent loans | 133.6795% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.7212% | 2,348 |
| Noncurrent loans to loans | 0.8913% | 2,147 |
| Net loans and leases to total assets | 73.4884% | 2,004 |
| Net loans and leases to deposits | 100.2413% | 728 |
| Net loans and leases to core deposits | 116.3054% | 737 |
| Total domestic deposits to total assets | 73.3115% | 5,290 |
| Equity capital to assets | 12.0331% | 1,947 |
| Core capital (leverage) ratio | 11.6994% | 1,886 |
| Tier 1 risk-based capital ratio | 17.4207% | 2,031 |
| Total risk-based capital ratio | 18.6728% | 1,979 |
| Memoranda: | ||
| Average total assets | $422,079,000 | 1,639 |
| Average earning assets | $394,802,500 | 1,626 |
| Average equity | $50,853,500 | 1,518 |
| Average total loans | $306,526,500 | 1,555 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2737% | 2,217 |
| Cost of funding earning assets | 0.7516% | 682 |
| Net interest margin | 3.5221% | 3,318 |
| Noninterest income to average assets | 0.2204% | 4,932 |
| Noninterest expense to average assets | 2.1456% | 4,685 |
| Loan and lease loss provision to assets | 0.1442% | 1,415 |
| Net operating income to assets | 1.0961% | 1,997 |
| Return on assets (ROA) | 1.0797% | 2,130 |
| Pretax return on assets | 1.2057% | 2,750 |
| Return on Equity (ROE) | 8.9578% | 2,529 |
| Retained earnings to average equity (ytd only) | 3.4496% | 3,660 |
| Net charge-offs to loans | 0.1018% | 1,606 |
| Credit loss provision to net charge-offs | 196.7320% | 1,290 |
| Earnings coverage of net charge-offs (x) | 18.6667% | 1,869 |
| Efficiency ratio | 61.0634% | 4,156 |
| Assets per employee ($millions) | 8.1886% | 571 |
| Cash dividends to net income (ytd only)* | 61.4907% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 2,383 |
| Loan loss allowance to noncurrent loans | 155.6525% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.6787% | 2,511 |
| Noncurrent loans to loans | 0.8388% | 2,308 |
| Net loans and leases to total assets | 72.8419% | 2,071 |
| Net loans and leases to deposits | 101.4447% | 641 |
| Net loans and leases to core deposits | 118.9876% | 599 |
| Total domestic deposits to total assets | 71.8045% | 5,466 |
| Equity capital to assets | 12.0604% | 1,891 |
| Core capital (leverage) ratio | 11.5637% | 1,929 |
| Tier 1 risk-based capital ratio | 17.4582% | 2,022 |
| Total risk-based capital ratio | 18.7118% | 1,977 |
| Memoranda: | ||
| Average total assets | $417,506,000 | 1,656 |
| Average earning assets | $390,387,670 | 1,642 |
| Average equity | $50,324,670 | 1,531 |
| Average total loans | $300,661,000 | 1,576 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1975% | 2,287 |
| Cost of funding earning assets | 0.7211% | 758 |
| Net interest margin | 3.4764% | 3,368 |
| Noninterest income to average assets | 0.2429% | 4,792 |
| Noninterest expense to average assets | 2.1841% | 4,688 |
| Loan and lease loss provision to assets | 0.0010% | 3,530 |
| Net operating income to assets | 1.1747% | 1,573 |
| Return on assets (ROA) | 1.1041% | 1,892 |
| Pretax return on assets | 1.2309% | 2,472 |
| Return on Equity (ROE) | 9.1628% | 2,336 |
| Retained earnings to average equity (ytd only) | 7.2355% | 1,772 |
| Net charge-offs to loans | 0.0123% | 2,568 |
| Credit loss provision to net charge-offs | 11.1111% | 2,218 |
| Earnings coverage of net charge-offs (x) | 150.4444% | 362 |
| Efficiency ratio | 62.5035% | 4,075 |
| Assets per employee ($millions) | 7.9991% | 619 |
| Cash dividends to net income (ytd only)* | 21.0342% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 2,454 |
| Loan loss allowance to noncurrent loans | 143.9985% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.7227% | 2,486 |
| Noncurrent loans to loans | 0.9146% | 2,208 |
| Net loans and leases to total assets | 71.1033% | 2,204 |
| Net loans and leases to deposits | 100.8119% | 561 |
| Net loans and leases to core deposits | 117.3299% | 547 |
| Total domestic deposits to total assets | 70.5306% | 5,611 |
| Equity capital to assets | 12.1492% | 1,739 |
| Core capital (leverage) ratio | 11.8985% | 1,691 |
| Tier 1 risk-based capital ratio | 18.1216% | 1,827 |
| Total risk-based capital ratio | 19.3753% | 1,794 |
| Memoranda: | ||
| Average total assets | $413,356,000 | 1,682 |
| Average earning assets | $386,611,500 | 1,669 |
| Average equity | $49,810,000 | 1,542 |
| Average total loans | $293,857,500 | 1,614 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2522% | 2,304 |
| Cost of funding earning assets | 0.7124% | 773 |
| Net interest margin | 3.5398% | 3,286 |
| Noninterest income to average assets | 0.2740% | 4,779 |
| Noninterest expense to average assets | 2.0206% | 5,145 |
| Loan and lease loss provision to assets | 0.1315% | 1,896 |
| Net operating income to assets | 1.3201% | 1,171 |
| Return on assets (ROA) | 1.3222% | 1,218 |
| Pretax return on assets | 1.4401% | 1,779 |
| Return on Equity (ROE) | 10.5397% | 1,753 |
| Retained earnings to average equity (ytd only) | 3.9683% | 3,097 |
| Net charge-offs to loans | 0.0766% | 2,601 |
| Credit loss provision to net charge-offs | 246.4789% | 1,177 |
| Earnings coverage of net charge-offs (x) | 29.4225% | 1,447 |
| Efficiency ratio | 56.2849% | 5,038 |
| Assets per employee ($millions) | 8.2152% | 549 |
| Cash dividends to net income (ytd only)* | 62.3485% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4583% | 1,843 |
| Loan loss allowance to noncurrent loans | 146.3415% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.8455% | 2,234 |
| Noncurrent loans to loans | 0.9965% | 2,099 |
| Net loans and leases to total assets | 69.0945% | 2,611 |
| Net loans and leases to deposits | 95.3977% | 1,057 |
| Net loans and leases to core deposits | 110.5024% | 863 |
| Total domestic deposits to total assets | 72.4278% | 5,528 |
| Equity capital to assets | 11.9499% | 1,841 |
| Core capital (leverage) ratio | 12.0635% | 1,561 |
| Tier 1 risk-based capital ratio | 18.7844% | 1,663 |
| Total risk-based capital ratio | 20.0405% | 1,624 |
| Memoranda: | ||
| Average total assets | $399,334,200 | 1,686 |
| Average earning assets | $374,088,400 | 1,665 |
| Average equity | $50,096,400 | 1,517 |
| Average total loans | $277,891,400 | 1,628 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2610% | 2,297 |
| Cost of funding earning assets | 0.7151% | 754 |
| Net interest margin | 3.5459% | 3,292 |
| Noninterest income to average assets | 0.3403% | 4,344 |
| Noninterest expense to average assets | 2.0423% | 5,122 |
| Loan and lease loss provision to assets | 0.1765% | 1,270 |
| Net operating income to assets | 1.3456% | 1,177 |
| Return on assets (ROA) | 1.3646% | 1,210 |
| Pretax return on assets | 1.4635% | 1,840 |
| Return on Equity (ROE) | 10.7460% | 1,767 |
| Retained earnings to average equity (ytd only) | 5.9900% | 2,188 |
| Net charge-offs to loans | 0.0818% | 2,151 |
| Credit loss provision to net charge-offs | 310.6509% | 1,003 |
| Earnings coverage of net charge-offs (x) | 28.4967% | 1,536 |
| Efficiency ratio | 55.7719% | 5,084 |
| Assets per employee ($millions) | 8.0203% | 587 |
| Cash dividends to net income (ytd only)* | 44.2583% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5022% | 1,758 |
| Loan loss allowance to noncurrent loans | 125.7854% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 1.1264% | 1,794 |
| Noncurrent loans to loans | 1.1943% | 1,882 |
| Net loans and leases to total assets | 69.3931% | 2,588 |
| Net loans and leases to deposits | 96.2530% | 1,026 |
| Net loans and leases to core deposits | 111.1850% | 855 |
| Total domestic deposits to total assets | 72.0945% | 5,591 |
| Equity capital to assets | 12.9611% | 1,501 |
| Core capital (leverage) ratio | 12.4048% | 1,437 |
| Tier 1 risk-based capital ratio | 19.4240% | 1,567 |
| Total risk-based capital ratio | 20.6809% | 1,523 |
| Memoranda: | ||
| Average total assets | $396,478,250 | 1,701 |
| Average earning assets | $371,387,000 | 1,680 |
| Average equity | $50,349,250 | 1,515 |
| Average total loans | $275,361,500 | 1,638 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2812% | 2,216 |
| Cost of funding earning assets | 0.7227% | 710 |
| Net interest margin | 3.5585% | 3,263 |
| Noninterest income to average assets | 0.0704% | 5,859 |
| Noninterest expense to average assets | 2.0098% | 5,250 |
| Loan and lease loss provision to assets | 0.1899% | 1,144 |
| Net operating income to assets | 1.1020% | 1,952 |
| Return on assets (ROA) | 1.1328% | 1,956 |
| Pretax return on assets | 1.2350% | 2,651 |
| Return on Equity (ROE) | 8.9827% | 2,498 |
| Retained earnings to average equity (ytd only) | 3.1642% | 3,886 |
| Net charge-offs to loans | 0.0608% | 2,324 |
| Credit loss provision to net charge-offs | 451.8072% | 712 |
| Earnings coverage of net charge-offs (x) | 33.1084% | 1,318 |
| Efficiency ratio | 59.0889% | 4,757 |
| Assets per employee ($millions) | 8.2691% | 513 |
| Cash dividends to net income (ytd only)* | 64.7743% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5128% | 1,809 |
| Loan loss allowance to noncurrent loans | 103.5679% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 1.2511% | 1,637 |
| Noncurrent loans to loans | 1.4607% | 1,509 |
| Net loans and leases to total assets | 68.5604% | 2,699 |
| Net loans and leases to deposits | 96.0161% | 1,077 |
| Net loans and leases to core deposits | 111.5800% | 839 |
| Total domestic deposits to total assets | 71.4050% | 5,705 |
| Equity capital to assets | 12.8400% | 1,590 |
| Core capital (leverage) ratio | 12.0730% | 1,580 |
| Tier 1 risk-based capital ratio | 19.1998% | 1,650 |
| Total risk-based capital ratio | 20.4568% | 1,613 |
| Memoranda: | ||
| Average total assets | $394,966,330 | 1,708 |
| Average earning assets | $369,709,330 | 1,686 |
| Average equity | $49,807,000 | 1,528 |
| Average total loans | $272,975,330 | 1,655 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3631% | 1,914 |
| Cost of funding earning assets | 0.7312% | 687 |
| Net interest margin | 3.6320% | 2,957 |
| Noninterest income to average assets | 0.1909% | 5,363 |
| Noninterest expense to average assets | 2.1198% | 5,077 |
| Loan and lease loss provision to assets | 0.1777% | 1,145 |
| Net operating income to assets | 1.1651% | 1,660 |
| Return on assets (ROA) | 1.2254% | 1,583 |
| Pretax return on assets | 1.3594% | 2,047 |
| Return on Equity (ROE) | 9.8073% | 2,071 |
| Retained earnings to average equity (ytd only) | 8.2229% | 1,366 |
| Net charge-offs to loans | 0.0413% | 2,177 |
| Credit loss provision to net charge-offs | 625.0000% | 510 |
| Earnings coverage of net charge-offs (x) | 51.7143% | 868 |
| Efficiency ratio | 59.0498% | 4,867 |
| Assets per employee ($millions) | 7.8202% | 608 |
| Cash dividends to net income (ytd only)* | 16.1558% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4768% | 2,084 |
| Loan loss allowance to noncurrent loans | 84.0975% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 1.5769% | 1,271 |
| Noncurrent loans to loans | 1.7560% | 1,263 |
| Net loans and leases to total assets | 68.8474% | 2,524 |
| Net loans and leases to deposits | 94.3436% | 1,106 |
| Net loans and leases to core deposits | 108.9901% | 909 |
| Total domestic deposits to total assets | 72.9752% | 5,708 |
| Equity capital to assets | 12.7258% | 1,544 |
| Core capital (leverage) ratio | 12.0874% | 1,554 |
| Tier 1 risk-based capital ratio | 19.3442% | 1,646 |
| Total risk-based capital ratio | 20.6004% | 1,611 |
| Memoranda: | ||
| Average total assets | $393,991,500 | 1,716 |
| Average earning assets | $368,726,500 | 1,688 |
| Average equity | $49,228,500 | 1,543 |
| Average total loans | $271,309,500 | 1,662 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2169% | 2,504 |
| Cost of funding earning assets | 0.6949% | 843 |
| Net interest margin | 3.5220% | 3,446 |
| Noninterest income to average assets | 0.1757% | 5,533 |
| Noninterest expense to average assets | 1.9350% | 5,570 |
| Loan and lease loss provision to assets | 0.2192% | 939 |
| Net operating income to assets | 1.1890% | 1,591 |
| Return on assets (ROA) | 1.2120% | 1,577 |
| Pretax return on assets | 1.3445% | 2,111 |
| Return on Equity (ROE) | 9.8219% | 2,074 |
| Retained earnings to average equity (ytd only) | 4.7517% | 2,610 |
| Net charge-offs to loans | 0.1353% | 2,004 |
| Credit loss provision to net charge-offs | 236.5169% | 1,209 |
| Earnings coverage of net charge-offs (x) | 16.5955% | 2,120 |
| Efficiency ratio | 55.7121% | 5,371 |
| Assets per employee ($millions) | 8.6299% | 446 |
| Cash dividends to net income (ytd only)* | 51.6219% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4433% | 2,238 |
| Loan loss allowance to noncurrent loans | 55.0396% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 1.9581% | 913 |
| Noncurrent loans to loans | 2.6223% | 681 |
| Net loans and leases to total assets | 66.8800% | 2,864 |
| Net loans and leases to deposits | 93.5204% | 1,248 |
| Net loans and leases to core deposits | 109.4576% | 891 |
| Total domestic deposits to total assets | 71.5138% | 5,821 |
| Equity capital to assets | 12.2673% | 1,766 |
| Core capital (leverage) ratio | 12.0405% | 1,595 |
| Tier 1 risk-based capital ratio | 19.3295% | 1,625 |
| Total risk-based capital ratio | 20.5856% | 1,586 |
| Memoranda: | ||
| Average total assets | $384,091,600 | 1,711 |
| Average earning assets | $359,600,200 | 1,678 |
| Average equity | $47,394,000 | 1,562 |
| Average total loans | $263,176,400 | 1,652 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2141% | 2,527 |
| Cost of funding earning assets | 0.6823% | 925 |
| Net interest margin | 3.5319% | 3,424 |
| Noninterest income to average assets | 0.1827% | 5,563 |
| Noninterest expense to average assets | 1.9012% | 5,633 |
| Loan and lease loss provision to assets | 0.1460% | 1,499 |
| Net operating income to assets | 1.2680% | 1,427 |
| Return on assets (ROA) | 1.3040% | 1,382 |
| Pretax return on assets | 1.4836% | 1,727 |
| Return on Equity (ROE) | 10.5518% | 1,883 |
| Retained earnings to average equity (ytd only) | 7.0506% | 1,665 |
| Net charge-offs to loans | 0.0678% | 2,597 |
| Credit loss provision to net charge-offs | 313.5338% | 931 |
| Earnings coverage of net charge-offs (x) | 34.1201% | 1,375 |
| Efficiency ratio | 54.4789% | 5,476 |
| Assets per employee ($millions) | 8.2436% | 487 |
| Cash dividends to net income (ytd only)* | 33.1812% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 2,698 |
| Loan loss allowance to noncurrent loans | 40.2490% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 2.3717% | 759 |
| Noncurrent loans to loans | 3.4277% | 466 |
| Net loans and leases to total assets | 68.0065% | 2,675 |
| Net loans and leases to deposits | 91.2185% | 1,500 |
| Net loans and leases to core deposits | 106.1967% | 1,084 |
| Total domestic deposits to total assets | 74.5534% | 5,658 |
| Equity capital to assets | 12.4449% | 1,772 |
| Core capital (leverage) ratio | 12.1615% | 1,586 |
| Tier 1 risk-based capital ratio | 19.5240% | 1,660 |
| Total risk-based capital ratio | 20.7791% | 1,627 |
| Memoranda: | ||
| Average total assets | $380,870,750 | 1,738 |
| Average earning assets | $356,631,000 | 1,703 |
| Average equity | $47,068,000 | 1,579 |
| Average total loans | $261,624,250 | 1,671 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2284% | 2,436 |
| Cost of funding earning assets | 0.6671% | 1,010 |
| Net interest margin | 3.5613% | 3,243 |
| Noninterest income to average assets | 0.1806% | 5,608 |
| Noninterest expense to average assets | 1.9045% | 5,703 |
| Loan and lease loss provision to assets | 0.1595% | 1,331 |
| Net operating income to assets | 1.2685% | 1,403 |
| Return on assets (ROA) | 1.3183% | 1,317 |
| Pretax return on assets | 1.5058% | 1,634 |
| Return on Equity (ROE) | 10.6930% | 1,779 |
| Retained earnings to average equity (ytd only) | 5.8820% | 2,312 |
| Net charge-offs to loans | 0.0216% | 3,232 |
| Credit loss provision to net charge-offs | 1,078.5714% | 325 |
| Earnings coverage of net charge-offs (x) | 108.7857% | 569 |
| Efficiency ratio | 54.2093% | 5,566 |
| Assets per employee ($millions) | 8.2548% | 471 |
| Cash dividends to net income (ytd only)* | 44.9920% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 2,793 |
| Loan loss allowance to noncurrent loans | 40.1354% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 2.4202% | 801 |
| Noncurrent loans to loans | 3.4723% | 506 |
| Net loans and leases to total assets | 68.4965% | 2,569 |
| Net loans and leases to deposits | 95.6693% | 994 |
| Net loans and leases to core deposits | 110.5230% | 808 |
| Total domestic deposits to total assets | 71.5972% | 5,953 |
| Equity capital to assets | 12.1799% | 1,888 |
| Core capital (leverage) ratio | 12.1406% | 1,570 |
| Tier 1 risk-based capital ratio | 18.9262% | 1,805 |
| Total risk-based capital ratio | 20.1812% | 1,774 |
| Memoranda: | ||
| Average total assets | $378,677,330 | 1,754 |
| Average earning assets | $354,365,330 | 1,725 |
| Average equity | $46,684,670 | 1,599 |
| Average total loans | $259,773,000 | 1,688 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2577% | 2,242 |
| Cost of funding earning assets | 0.6629% | 1,030 |
| Net interest margin | 3.5948% | 3,023 |
| Noninterest income to average assets | 0.1682% | 5,714 |
| Noninterest expense to average assets | 1.8934% | 5,770 |
| Loan and lease loss provision to assets | 0.2126% | 839 |
| Net operating income to assets | 1.2721% | 1,354 |
| Return on assets (ROA) | 1.2778% | 1,424 |
| Pretax return on assets | 1.4354% | 1,756 |
| Return on Equity (ROE) | 10.3023% | 1,870 |
| Retained earnings to average equity (ytd only) | 10.1573% | 882 |
| Net charge-offs to loans | 0.0295% | 2,590 |
| Credit loss provision to net charge-offs | 1,057.8947% | 323 |
| Earnings coverage of net charge-offs (x) | 81.6842% | 585 |
| Efficiency ratio | 53.5607% | 5,715 |
| Assets per employee ($millions) | 8.5537% | 429 |
| Cash dividends to net income (ytd only)* | 1.4073% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3840% | 2,996 |
| Loan loss allowance to noncurrent loans | 40.5063% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 2.3509% | 936 |
| Noncurrent loans to loans | 3.4166% | 577 |
| Net loans and leases to total assets | 67.8556% | 2,465 |
| Net loans and leases to deposits | 92.0147% | 1,188 |
| Net loans and leases to core deposits | 107.1934% | 859 |
| Total domestic deposits to total assets | 73.7443% | 5,921 |
| Equity capital to assets | 12.6973% | 1,571 |
| Core capital (leverage) ratio | 12.1162% | 1,567 |
| Tier 1 risk-based capital ratio | 18.9498% | 1,885 |
| Total risk-based capital ratio | 20.2026% | 1,846 |
| Memoranda: | ||
| Average total assets | $378,154,500 | 1,760 |
| Average earning assets | $354,180,000 | 1,733 |
| Average equity | $46,902,000 | 1,596 |
| Average total loans | $257,773,000 | 1,695 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2513% | 2,772 |
| Cost of funding earning assets | 0.6956% | 1,137 |
| Net interest margin | 3.5557% | 3,578 |
| Noninterest income to average assets | 0.1684% | 5,848 |
| Noninterest expense to average assets | 1.8211% | 6,044 |
| Loan and lease loss provision to assets | 0.5036% | 302 |
| Net operating income to assets | 1.0558% | 2,143 |
| Return on assets (ROA) | 1.2503% | 1,493 |
| Pretax return on assets | 1.3879% | 1,921 |
| Return on Equity (ROE) | 10.4514% | 1,926 |
| Retained earnings to average equity (ytd only) | 4.5354% | 2,944 |
| Net charge-offs to loans | 0.6643% | 578 |
| Credit loss provision to net charge-offs | 112.9347% | 2,104 |
| Earnings coverage of net charge-offs (x) | 3.7572% | 3,816 |
| Efficiency ratio | 52.0816% | 5,977 |
| Assets per employee ($millions) | 8.2597% | 483 |
| Cash dividends to net income (ytd only)* | 56.6050% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3259% | 3,287 |
| Loan loss allowance to noncurrent loans | 38.6811% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 2.3574% | 996 |
| Noncurrent loans to loans | 3.4278% | 609 |
| Net loans and leases to total assets | 66.6349% | 2,786 |
| Net loans and leases to deposits | 90.4662% | 1,471 |
| Net loans and leases to core deposits | 105.0471% | 1,072 |
| Total domestic deposits to total assets | 73.6572% | 5,972 |
| Equity capital to assets | 12.1112% | 1,937 |
| Core capital (leverage) ratio | 11.9288% | 1,674 |
| Tier 1 risk-based capital ratio | 19.2718% | 1,778 |
| Total risk-based capital ratio | 20.5244% | 1,744 |
| Memoranda: | ||
| Average total assets | $367,523,000 | 1,766 |
| Average earning assets | $344,009,800 | 1,740 |
| Average equity | $43,965,600 | 1,645 |
| Average total loans | $246,743,800 | 1,708 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2705% | 2,745 |
| Cost of funding earning assets | 0.7005% | 1,152 |
| Net interest margin | 3.5700% | 3,551 |
| Noninterest income to average assets | 0.1903% | 5,779 |
| Noninterest expense to average assets | 1.7778% | 6,121 |
| Loan and lease loss provision to assets | 0.3479% | 508 |
| Net operating income to assets | 1.2337% | 1,567 |
| Return on assets (ROA) | 1.3438% | 1,316 |
| Pretax return on assets | 1.5290% | 1,544 |
| Return on Equity (ROE) | 11.2701% | 1,697 |
| Retained earnings to average equity (ytd only) | 6.4958% | 2,106 |
| Net charge-offs to loans | 0.2898% | 1,361 |
| Credit loss provision to net charge-offs | 179.0960% | 1,393 |
| Earnings coverage of net charge-offs (x) | 9.0170% | 2,725 |
| Efficiency ratio | 50.3680% | 6,080 |
| Assets per employee ($millions) | 8.2200% | 470 |
| Cash dividends to net income (ytd only)* | 42.3631% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4398% | 2,997 |
| Loan loss allowance to noncurrent loans | 48.8036% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 2.0329% | 1,399 |
| Noncurrent loans to loans | 2.9502% | 911 |
| Net loans and leases to total assets | 65.3554% | 2,974 |
| Net loans and leases to deposits | 86.8589% | 1,810 |
| Net loans and leases to core deposits | 100.8007% | 1,310 |
| Total domestic deposits to total assets | 75.2432% | 5,901 |
| Equity capital to assets | 12.2148% | 1,896 |
| Core capital (leverage) ratio | 12.0327% | 1,685 |
| Tier 1 risk-based capital ratio | 19.7908% | 1,719 |
| Total risk-based capital ratio | 21.0451% | 1,688 |
| Memoranda: | ||
| Average total assets | $364,417,500 | 1,800 |
| Average earning assets | $340,872,250 | 1,760 |
| Average equity | $43,453,000 | 1,662 |
| Average total loans | $244,285,250 | 1,736 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3524% | 2,376 |
| Cost of funding earning assets | 0.6982% | 1,196 |
| Net interest margin | 3.6542% | 3,127 |
| Noninterest income to average assets | 0.1962% | 5,789 |
| Noninterest expense to average assets | 1.7757% | 6,180 |
| Loan and lease loss provision to assets | 0.3613% | 482 |
| Net operating income to assets | 1.2750% | 1,377 |
| Return on assets (ROA) | 1.4350% | 1,029 |
| Pretax return on assets | 1.6551% | 1,126 |
| Return on Equity (ROE) | 12.1387% | 1,380 |
| Retained earnings to average equity (ytd only) | 4.9881% | 2,965 |
| Net charge-offs to loans | 0.2304% | 1,655 |
| Credit loss provision to net charge-offs | 232.9749% | 1,040 |
| Earnings coverage of net charge-offs (x) | 11.8172% | 2,113 |
| Efficiency ratio | 49.2144% | 6,212 |
| Assets per employee ($millions) | 8.0616% | 482 |
| Cash dividends to net income (ytd only)* | 58.9078% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 3,125 |
| Loan loss allowance to noncurrent loans | 66.7854% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 1.5497% | 2,100 |
| Noncurrent loans to loans | 2.1668% | 1,523 |
| Net loans and leases to total assets | 66.8504% | 2,609 |
| Net loans and leases to deposits | 89.4628% | 1,423 |
| Net loans and leases to core deposits | 104.0002% | 1,017 |
| Total domestic deposits to total assets | 74.7243% | 6,046 |
| Equity capital to assets | 12.2160% | 1,846 |
| Core capital (leverage) ratio | 12.0928% | 1,610 |
| Tier 1 risk-based capital ratio | 19.7310% | 1,750 |
| Total risk-based capital ratio | 20.9856% | 1,715 |
| Memoranda: | ||
| Average total assets | $359,849,330 | 1,825 |
| Average earning assets | $336,001,000 | 1,792 |
| Average equity | $42,541,670 | 1,681 |
| Average total loans | $242,136,000 | 1,744 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3538% | 2,311 |
| Cost of funding earning assets | 0.6963% | 1,268 |
| Net interest margin | 3.6575% | 3,032 |
| Noninterest income to average assets | 0.1909% | 5,818 |
| Noninterest expense to average assets | 1.7355% | 6,301 |
| Loan and lease loss provision to assets | 0.3348% | 536 |
| Net operating income to assets | 1.3566% | 1,082 |
| Return on assets (ROA) | 1.3605% | 1,121 |
| Pretax return on assets | 1.5369% | 1,318 |
| Return on Equity (ROE) | 11.7058% | 1,490 |
| Retained earnings to average equity (ytd only) | 7.1349% | 1,963 |
| Net charge-offs to loans | 0.4447% | 814 |
| Credit loss provision to net charge-offs | 112.3596% | 1,527 |
| Earnings coverage of net charge-offs (x) | 6.2659% | 2,247 |
| Efficiency ratio | 48.1722% | 6,350 |
| Assets per employee ($millions) | 8.1411% | 449 |
| Cash dividends to net income (ytd only)* | 39.0484% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 3,927 |
| Loan loss allowance to noncurrent loans | 60.3558% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 1.5717% | 2,248 |
| Noncurrent loans to loans | 2.2114% | 1,640 |
| Net loans and leases to total assets | 66.5120% | 2,484 |
| Net loans and leases to deposits | 88.8881% | 1,263 |
| Net loans and leases to core deposits | 100.0575% | 1,103 |
| Total domestic deposits to total assets | 74.8267% | 6,171 |
| Equity capital to assets | 11.9679% | 1,889 |
| Core capital (leverage) ratio | 12.0498% | 1,624 |
| Tier 1 risk-based capital ratio | 19.8111% | 1,762 |
| Total risk-based capital ratio | 21.0640% | 1,728 |
| Memoranda: | ||
| Average total assets | $358,388,500 | 1,838 |
| Average earning assets | $334,328,000 | 1,805 |
| Average equity | $41,654,500 | 1,716 |
| Average total loans | $240,166,500 | 1,760 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4680% | 2,334 |
| Cost of funding earning assets | 0.7560% | 1,469 |
| Net interest margin | 3.7120% | 3,009 |
| Noninterest income to average assets | 0.1770% | 6,021 |
| Noninterest expense to average assets | 1.8674% | 6,231 |
| Loan and lease loss provision to assets | 0.1664% | 2,197 |
| Net operating income to assets | 1.3469% | 1,142 |
| Return on assets (ROA) | 1.4370% | 985 |
| Pretax return on assets | 1.7027% | 944 |
| Return on Equity (ROE) | 12.1899% | 1,361 |
| Retained earnings to average equity (ytd only) | 6.8738% | 1,489 |
| Net charge-offs to loans | 0.2996% | 2,192 |
| Credit loss provision to net charge-offs | 82.7143% | 2,967 |
| Earnings coverage of net charge-offs (x) | 8.7600% | 2,613 |
| Efficiency ratio | 51.4528% | 6,341 |
| Assets per employee ($millions) | 8.1493% | 439 |
| Cash dividends to net income (ytd only)* | 43.6113% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3355% | 3,953 |
| Loan loss allowance to noncurrent loans | 69.4384% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 1.3727% | 2,685 |
| Noncurrent loans to loans | 1.9233% | 2,088 |
| Net loans and leases to total assets | 65.7248% | 2,736 |
| Net loans and leases to deposits | 87.0520% | 1,567 |
| Net loans and leases to core deposits | 97.6005% | 1,339 |
| Total domestic deposits to total assets | 75.5006% | 6,141 |
| Equity capital to assets | 11.2779% | 2,364 |
| Core capital (leverage) ratio | 11.7619% | 1,785 |
| Tier 1 risk-based capital ratio | 19.5206% | 1,778 |
| Total risk-based capital ratio | 20.7735% | 1,740 |
| Memoranda: | ||
| Average total assets | $348,028,600 | 1,857 |
| Average earning assets | $323,682,800 | 1,835 |
| Average equity | $41,025,600 | 1,705 |
| Average total loans | $233,682,800 | 1,764 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4741% | 2,332 |
| Cost of funding earning assets | 0.7643% | 1,518 |
| Net interest margin | 3.7098% | 2,996 |
| Noninterest income to average assets | 0.1768% | 6,133 |
| Noninterest expense to average assets | 1.8521% | 6,253 |
| Loan and lease loss provision to assets | 0.1451% | 2,465 |
| Net operating income to assets | 1.3724% | 1,167 |
| Return on assets (ROA) | 1.3974% | 1,155 |
| Pretax return on assets | 1.6568% | 1,193 |
| Return on Equity (ROE) | 11.7228% | 1,573 |
| Retained earnings to average equity (ytd only) | 8.0635% | 1,384 |
| Net charge-offs to loans | 0.1147% | 3,400 |
| Credit loss provision to net charge-offs | 188.0000% | 1,283 |
| Earnings coverage of net charge-offs (x) | 22.9550% | 1,477 |
| Efficiency ratio | 51.1024% | 6,322 |
| Assets per employee ($millions) | 8.2814% | 413 |
| Cash dividends to net income (ytd only)* | 31.2155% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 3,526 |
| Loan loss allowance to noncurrent loans | 54.1460% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 1.8703% | 2,173 |
| Noncurrent loans to loans | 2.7369% | 1,538 |
| Net loans and leases to total assets | 65.0993% | 2,783 |
| Net loans and leases to deposits | 86.0629% | 1,608 |
| Net loans and leases to core deposits | 96.6078% | 1,346 |
| Total domestic deposits to total assets | 75.6415% | 6,209 |
| Equity capital to assets | 11.0822% | 2,688 |
| Core capital (leverage) ratio | 12.2292% | 1,550 |
| Tier 1 risk-based capital ratio | 19.5291% | 1,852 |
| Total risk-based capital ratio | 20.7836% | 1,819 |
| Memoranda: | ||
| Average total assets | $345,393,750 | 1,880 |
| Average earning assets | $320,982,250 | 1,863 |
| Average equity | $41,172,250 | 1,709 |
| Average total loans | $232,389,000 | 1,774 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5288% | 2,092 |
| Cost of funding earning assets | 0.7891% | 1,477 |
| Net interest margin | 3.7397% | 2,805 |
| Noninterest income to average assets | 0.1726% | 6,175 |
| Noninterest expense to average assets | 1.8448% | 6,301 |
| Loan and lease loss provision to assets | 0.1463% | 2,506 |
| Net operating income to assets | 1.3952% | 1,093 |
| Return on assets (ROA) | 1.4183% | 1,126 |
| Pretax return on assets | 1.6892% | 1,136 |
| Return on Equity (ROE) | 11.6143% | 1,596 |
| Retained earnings to average equity (ytd only) | 6.7175% | 2,028 |
| Net charge-offs to loans | 0.1089% | 3,268 |
| Credit loss provision to net charge-offs | 198.4127% | 1,203 |
| Earnings coverage of net charge-offs (x) | 24.5238% | 1,294 |
| Efficiency ratio | 50.5046% | 6,390 |
| Assets per employee ($millions) | 7.5141% | 559 |
| Cash dividends to net income (ytd only)* | 42.1617% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4757% | 3,696 |
| Loan loss allowance to noncurrent loans | 56.1091% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 1.8785% | 2,303 |
| Noncurrent loans to loans | 2.6300% | 1,741 |
| Net loans and leases to total assets | 67.8242% | 2,281 |
| Net loans and leases to deposits | 91.1844% | 1,038 |
| Net loans and leases to core deposits | 97.4161% | 1,255 |
| Total domestic deposits to total assets | 74.3813% | 6,412 |
| Equity capital to assets | 11.6595% | 2,167 |
| Core capital (leverage) ratio | 12.1359% | 1,542 |
| Tier 1 risk-based capital ratio | 19.3485% | 1,895 |
| Total risk-based capital ratio | 20.6031% | 1,865 |
| Memoranda: | ||
| Average total assets | $341,824,330 | 1,902 |
| Average earning assets | $318,097,000 | 1,882 |
| Average equity | $41,741,670 | 1,693 |
| Average total loans | $231,416,330 | 1,781 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4733% | 2,263 |
| Cost of funding earning assets | 0.7996% | 1,528 |
| Net interest margin | 3.6737% | 2,972 |
| Noninterest income to average assets | 0.2107% | 5,975 |
| Noninterest expense to average assets | 1.7400% | 6,513 |
| Loan and lease loss provision to assets | 0.1455% | 2,422 |
| Net operating income to assets | 1.4618% | 933 |
| Return on assets (ROA) | 1.4898% | 954 |
| Pretax return on assets | 1.7866% | 904 |
| Return on Equity (ROE) | 11.9347% | 1,439 |
| Retained earnings to average equity (ytd only) | 11.5338% | 772 |
| Net charge-offs to loans | 0.2254% | 2,091 |
| Credit loss provision to net charge-offs | 96.1538% | 1,925 |
| Earnings coverage of net charge-offs (x) | 12.5462% | 1,589 |
| Efficiency ratio | 47.8247% | 6,615 |
| Assets per employee ($millions) | 7.6173% | 585 |
| Cash dividends to net income (ytd only)* | 3.3594% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4228% | 4,117 |
| Loan loss allowance to noncurrent loans | 48.8764% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 2.1069% | 2,228 |
| Noncurrent loans to loans | 2.9110% | 1,725 |
| Net loans and leases to total assets | 66.8228% | 2,223 |
| Net loans and leases to deposits | 90.7008% | 906 |
| Net loans and leases to core deposits | 96.8246% | 1,155 |
| Total domestic deposits to total assets | 73.6739% | 6,558 |
| Equity capital to assets | 12.5729% | 1,667 |
| Core capital (leverage) ratio | 12.0230% | 1,548 |
| Tier 1 risk-based capital ratio | 19.3125% | 1,951 |
| Total risk-based capital ratio | 20.5665% | 1,925 |
| Memoranda: | ||
| Average total assets | $343,668,500 | 1,919 |
| Average earning assets | $320,655,500 | 1,891 |
| Average equity | $42,900,000 | 1,669 |
| Average total loans | $230,738,000 | 1,790 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8435% | 2,046 |
| Cost of funding earning assets | 0.8929% | 1,976 |
| Net interest margin | 3.9506% | 2,606 |
| Noninterest income to average assets | 0.2000% | 5,986 |
| Noninterest expense to average assets | 1.8085% | 6,613 |
| Loan and lease loss provision to assets | 0.2563% | 2,599 |
| Net operating income to assets | 1.4318% | 1,045 |
| Return on assets (ROA) | 1.8329% | 544 |
| Pretax return on assets | 2.3492% | 311 |
| Return on Equity (ROE) | 14.7953% | 848 |
| Retained earnings to average equity (ytd only) | 8.9720% | 832 |
| Net charge-offs to loans | 0.1150% | 4,534 |
| Credit loss provision to net charge-offs | 336.3636% | 722 |
| Earnings coverage of net charge-offs (x) | 27.4427% | 1,070 |
| Efficiency ratio | 46.3737% | 6,771 |
| Assets per employee ($millions) | 7.8309% | 541 |
| Cash dividends to net income (ytd only)* | 39.3591% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4451% | 3,962 |
| Loan loss allowance to noncurrent loans | 49.0373% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 2.0635% | 2,372 |
| Noncurrent loans to loans | 2.9470% | 1,772 |
| Net loans and leases to total assets | 65.5345% | 2,602 |
| Net loans and leases to deposits | 88.7790% | 1,190 |
| Net loans and leases to core deposits | 94.7113% | 1,408 |
| Total domestic deposits to total assets | 73.8175% | 6,547 |
| Equity capital to assets | 12.3935% | 1,792 |
| Core capital (leverage) ratio | 11.5920% | 1,811 |
| Tier 1 risk-based capital ratio | 18.9064% | 1,985 |
| Total risk-based capital ratio | 20.1604% | 1,951 |
| Memoranda: | ||
| Average total assets | $331,992,200 | 1,940 |
| Average earning assets | $310,912,200 | 1,904 |
| Average equity | $41,128,000 | 1,698 |
| Average total loans | $219,978,200 | 1,835 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9294% | 1,903 |
| Cost of funding earning assets | 0.9107% | 2,103 |
| Net interest margin | 4.0187% | 2,425 |
| Noninterest income to average assets | 0.1958% | 6,124 |
| Noninterest expense to average assets | 1.7807% | 6,699 |
| Loan and lease loss provision to assets | 0.2230% | 2,831 |
| Net operating income to assets | 1.5180% | 987 |
| Return on assets (ROA) | 1.8658% | 569 |
| Pretax return on assets | 2.4043% | 340 |
| Return on Equity (ROE) | 15.0631% | 890 |
| Retained earnings to average equity (ytd only) | 10.6345% | 753 |
| Net charge-offs to loans | 0.0698% | 4,713 |
| Credit loss provision to net charge-offs | 482.4561% | 558 |
| Earnings coverage of net charge-offs (x) | 47.1918% | 784 |
| Efficiency ratio | 44.9447% | 6,868 |
| Assets per employee ($millions) | 8.0101% | 477 |
| Cash dividends to net income (ytd only)* | 29.4002% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3916% | 4,412 |
| Loan loss allowance to noncurrent loans | 43.4405% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 2.2611% | 2,354 |
| Noncurrent loans to loans | 3.2035% | 1,724 |
| Net loans and leases to total assets | 66.3261% | 2,589 |
| Net loans and leases to deposits | 87.2508% | 1,449 |
| Net loans and leases to core deposits | 92.8952% | 1,694 |
| Total domestic deposits to total assets | 76.0178% | 6,376 |
| Equity capital to assets | 12.7161% | 1,758 |
| Core capital (leverage) ratio | 12.0338% | 1,636 |
| Tier 1 risk-based capital ratio | 18.6649% | 2,115 |
| Total risk-based capital ratio | 19.9178% | 2,080 |
| Memoranda: | ||
| Average total assets | $328,850,500 | 1,973 |
| Average earning assets | $308,186,500 | 1,941 |
| Average equity | $40,734,250 | 1,729 |
| Average total loans | $217,693,750 | 1,873 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9808% | 1,843 |
| Cost of funding earning assets | 0.9378% | 2,136 |
| Net interest margin | 4.0430% | 2,326 |
| Noninterest income to average assets | 0.1900% | 6,197 |
| Noninterest expense to average assets | 1.7633% | 6,786 |
| Loan and lease loss provision to assets | 0.2452% | 2,610 |
| Net operating income to assets | 1.5446% | 921 |
| Return on assets (ROA) | 1.7688% | 666 |
| Pretax return on assets | 2.2634% | 443 |
| Return on Equity (ROE) | 14.4111% | 1,027 |
| Retained earnings to average equity (ytd only) | 7.6550% | 1,782 |
| Net charge-offs to loans | 0.1043% | 4,129 |
| Credit loss provision to net charge-offs | 357.1429% | 819 |
| Earnings coverage of net charge-offs (x) | 32.3571% | 1,022 |
| Efficiency ratio | 44.2547% | 6,946 |
| Assets per employee ($millions) | 7.9036% | 490 |
| Cash dividends to net income (ytd only)* | 46.8815% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 4,567 |
| Loan loss allowance to noncurrent loans | 40.8744% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 2.3196% | 2,412 |
| Noncurrent loans to loans | 3.3549% | 1,732 |
| Net loans and leases to total assets | 65.0233% | 2,840 |
| Net loans and leases to deposits | 88.9334% | 1,264 |
| Net loans and leases to core deposits | 95.3274% | 1,489 |
| Total domestic deposits to total assets | 73.1146% | 6,737 |
| Equity capital to assets | 12.3528% | 1,910 |
| Core capital (leverage) ratio | 11.5669% | 1,862 |
| Tier 1 risk-based capital ratio | 17.8240% | 2,352 |
| Total risk-based capital ratio | 19.0762% | 2,317 |
| Memoranda: | ||
| Average total assets | $326,326,000 | 1,987 |
| Average earning assets | $306,255,670 | 1,945 |
| Average equity | $40,052,330 | 1,743 |
| Average total loans | $214,829,670 | 1,906 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1321% | 1,490 |
| Cost of funding earning assets | 0.9730% | 2,139 |
| Net interest margin | 4.1591% | 1,899 |
| Noninterest income to average assets | 0.1793% | 6,307 |
| Noninterest expense to average assets | 1.7718% | 6,825 |
| Loan and lease loss provision to assets | 0.1855% | 3,118 |
| Net operating income to assets | 1.6692% | 764 |
| Return on assets (ROA) | 1.6692% | 850 |
| Pretax return on assets | 2.1279% | 604 |
| Return on Equity (ROE) | 13.6446% | 1,270 |
| Retained earnings to average equity (ytd only) | 10.9561% | 1,036 |
| Net charge-offs to loans | 0.0883% | 3,632 |
| Credit loss provision to net charge-offs | 319.1489% | 936 |
| Earnings coverage of net charge-offs (x) | 39.8085% | 750 |
| Efficiency ratio | 43.3717% | 7,014 |
| Assets per employee ($millions) | 7.9371% | 499 |
| Cash dividends to net income (ytd only)* | 19.7037% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3142% | 4,960 |
| Loan loss allowance to noncurrent loans | 46.7852% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 1.8496% | 3,114 |
| Noncurrent loans to loans | 2.8090% | 2,295 |
| Net loans and leases to total assets | 64.9805% | 2,651 |
| Net loans and leases to deposits | 87.7432% | 1,203 |
| Net loans and leases to core deposits | 93.2750% | 1,522 |
| Total domestic deposits to total assets | 74.0577% | 6,738 |
| Equity capital to assets | 12.3741% | 1,805 |
| Core capital (leverage) ratio | 11.6052% | 1,831 |
| Tier 1 risk-based capital ratio | 17.9190% | 2,326 |
| Total risk-based capital ratio | 19.1703% | 2,295 |
| Memoranda: | ||
| Average total assets | $323,514,000 | 2,007 |
| Average earning assets | $303,812,500 | 1,960 |
| Average equity | $39,576,000 | 1,754 |
| Average total loans | $212,821,500 | 1,929 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1810% | 2,143 |
| Cost of funding earning assets | 1.1669% | 2,238 |
| Net interest margin | 4.0141% | 2,813 |
| Noninterest income to average assets | 0.2549% | 5,706 |
| Noninterest expense to average assets | 1.8456% | 6,905 |
| Loan and lease loss provision to assets | 0.2092% | 4,094 |
| Net operating income to assets | 1.5456% | 747 |
| Return on assets (ROA) | 1.5440% | 816 |
| Pretax return on assets | 1.9621% | 573 |
| Return on Equity (ROE) | 13.2992% | 1,088 |
| Retained earnings to average equity (ytd only) | 5.2082% | 2,502 |
| Net charge-offs to loans | 0.1562% | 4,893 |
| Credit loss provision to net charge-offs | 207.6677% | 1,188 |
| Earnings coverage of net charge-offs (x) | 21.5751% | 1,086 |
| Efficiency ratio | 45.9241% | 7,048 |
| Assets per employee ($millions) | 8.0402% | 466 |
| Cash dividends to net income (ytd only)* | 60.8378% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 5,004 |
| Loan loss allowance to noncurrent loans | 55.5715% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 1.5180% | 3,674 |
| Noncurrent loans to loans | 2.3097% | 2,847 |
| Net loans and leases to total assets | 64.8785% | 3,010 |
| Net loans and leases to deposits | 86.7645% | 1,567 |
| Net loans and leases to core deposits | 91.7192% | 1,915 |
| Total domestic deposits to total assets | 74.7753% | 6,634 |
| Equity capital to assets | 12.0906% | 2,049 |
| Core capital (leverage) ratio | 11.4314% | 1,939 |
| Tier 1 risk-based capital ratio | 17.5665% | 2,360 |
| Total risk-based capital ratio | 18.8176% | 2,326 |
| Memoranda: | ||
| Average total assets | $310,746,000 | 2,062 |
| Average earning assets | $291,372,800 | 2,011 |
| Average equity | $36,077,400 | 1,883 |
| Average total loans | $200,377,600 | 2,042 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2203% | 2,132 |
| Cost of funding earning assets | 1.2159% | 2,214 |
| Net interest margin | 4.0044% | 2,901 |
| Noninterest income to average assets | 0.2268% | 5,994 |
| Noninterest expense to average assets | 1.8461% | 6,928 |
| Loan and lease loss provision to assets | 0.2381% | 3,622 |
| Net operating income to assets | 1.4911% | 956 |
| Return on assets (ROA) | 1.4942% | 1,031 |
| Pretax return on assets | 1.8985% | 780 |
| Return on Equity (ROE) | 13.0105% | 1,275 |
| Retained earnings to average equity (ytd only) | 6.1623% | 2,457 |
| Net charge-offs to loans | 0.2159% | 4,087 |
| Credit loss provision to net charge-offs | 171.8750% | 1,748 |
| Earnings coverage of net charge-offs (x) | 15.3967% | 1,469 |
| Efficiency ratio | 46.3990% | 7,038 |
| Assets per employee ($millions) | 7.8932% | 490 |
| Cash dividends to net income (ytd only)* | 52.6363% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 5,173 |
| Loan loss allowance to noncurrent loans | 52.7104% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 1.5659% | 3,746 |
| Noncurrent loans to loans | 2.4008% | 2,887 |
| Net loans and leases to total assets | 64.3992% | 3,230 |
| Net loans and leases to deposits | 84.7693% | 1,881 |
| Net loans and leases to core deposits | 90.9691% | 2,122 |
| Total domestic deposits to total assets | 75.9700% | 6,537 |
| Equity capital to assets | 12.1827% | 2,116 |
| Core capital (leverage) ratio | 11.4902% | 2,033 |
| Tier 1 risk-based capital ratio | 17.7024% | 2,365 |
| Total risk-based capital ratio | 18.9529% | 2,329 |
| Memoranda: | ||
| Average total assets | $308,031,000 | 2,086 |
| Average earning assets | $288,611,750 | 2,037 |
| Average equity | $35,375,750 | 1,909 |
| Average total loans | $197,630,500 | 2,085 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2608% | 2,024 |
| Cost of funding earning assets | 1.2427% | 2,302 |
| Net interest margin | 4.0181% | 2,757 |
| Noninterest income to average assets | 0.2062% | 6,188 |
| Noninterest expense to average assets | 1.8470% | 7,018 |
| Loan and lease loss provision to assets | 0.1637% | 4,294 |
| Net operating income to assets | 1.5100% | 867 |
| Return on assets (ROA) | 1.5458% | 863 |
| Pretax return on assets | 1.9996% | 589 |
| Return on Equity (ROE) | 13.7482% | 1,032 |
| Retained earnings to average equity (ytd only) | 4.8448% | 3,092 |
| Net charge-offs to loans | 0.0698% | 4,940 |
| Credit loss provision to net charge-offs | 367.6471% | 830 |
| Earnings coverage of net charge-offs (x) | 47.5441% | 649 |
| Efficiency ratio | 46.5973% | 7,131 |
| Assets per employee ($millions) | 7.6998% | 512 |
| Cash dividends to net income (ytd only)* | 64.7607% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 5,160 |
| Loan loss allowance to noncurrent loans | 51.7604% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 1.6384% | 3,719 |
| Noncurrent loans to loans | 2.4696% | 2,918 |
| Net loans and leases to total assets | 64.1446% | 3,431 |
| Net loans and leases to deposits | 85.7387% | 1,824 |
| Net loans and leases to core deposits | 92.1438% | 2,104 |
| Total domestic deposits to total assets | 74.8141% | 6,754 |
| Equity capital to assets | 11.7553% | 2,281 |
| Core capital (leverage) ratio | 11.4028% | 1,976 |
| Tier 1 risk-based capital ratio | 17.5438% | 2,322 |
| Total risk-based capital ratio | 18.7941% | 2,296 |
| Memoranda: | ||
| Average total assets | $305,466,000 | 2,110 |
| Average earning assets | $285,659,330 | 2,070 |
| Average equity | $34,346,330 | 1,944 |
| Average total loans | $194,863,670 | 2,129 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2215% | 2,149 |
| Cost of funding earning assets | 1.2687% | 2,368 |
| Net interest margin | 3.9528% | 2,903 |
| Noninterest income to average assets | 0.1946% | 6,329 |
| Noninterest expense to average assets | 1.8290% | 7,102 |
| Loan and lease loss provision to assets | 0.1644% | 3,987 |
| Net operating income to assets | 1.4704% | 932 |
| Return on assets (ROA) | 1.4530% | 1,016 |
| Pretax return on assets | 1.8619% | 723 |
| Return on Equity (ROE) | 13.2268% | 1,145 |
| Retained earnings to average equity (ytd only) | 5.9850% | 2,647 |
| Net charge-offs to loans | 0.0791% | 4,147 |
| Credit loss provision to net charge-offs | 328.9474% | 987 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 671 |
| Efficiency ratio | 47.1685% | 7,149 |
| Assets per employee ($millions) | 7.5983% | 558 |
| Cash dividends to net income (ytd only)* | 54.7511% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2676% | 5,308 |
| Loan loss allowance to noncurrent loans | 51.8854% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 1.6273% | 3,808 |
| Noncurrent loans to loans | 2.4430% | 3,047 |
| Net loans and leases to total assets | 63.1218% | 3,622 |
| Net loans and leases to deposits | 82.3969% | 2,293 |
| Net loans and leases to core deposits | 87.5379% | 2,663 |
| Total domestic deposits to total assets | 76.6070% | 6,591 |
| Equity capital to assets | 11.2137% | 2,494 |
| Core capital (leverage) ratio | 11.3586% | 1,925 |
| Tier 1 risk-based capital ratio | 17.4839% | 2,302 |
| Total risk-based capital ratio | 18.7303% | 2,269 |
| Memoranda: | ||
| Average total assets | $304,204,000 | 2,130 |
| Average earning assets | $283,444,000 | 2,092 |
| Average equity | $33,417,000 | 1,973 |
| Average total loans | $192,237,000 | 2,182 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3869% | 2,738 |
| Cost of funding earning assets | 1.5079% | 2,593 |
| Net interest margin | 3.8790% | 3,597 |
| Noninterest income to average assets | 0.4737% | 4,359 |
| Noninterest expense to average assets | 1.9083% | 7,146 |
| Loan and lease loss provision to assets | 0.3230% | 4,230 |
| Net operating income to assets | 1.5093% | 750 |
| Return on assets (ROA) | 1.5917% | 683 |
| Pretax return on assets | 1.9531% | 538 |
| Return on Equity (ROE) | 14.2788% | 835 |
| Retained earnings to average equity (ytd only) | 8.3458% | 878 |
| Net charge-offs to loans | 0.1826% | 5,214 |
| Credit loss provision to net charge-offs | 285.2853% | 954 |
| Earnings coverage of net charge-offs (x) | 19.2042% | 1,073 |
| Efficiency ratio | 46.7394% | 7,324 |
| Assets per employee ($millions) | 8.4576% | 404 |
| Cash dividends to net income (ytd only)* | 41.5510% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 5,265 |
| Loan loss allowance to noncurrent loans | 50.8671% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 1.5995% | 3,909 |
| Noncurrent loans to loans | 2.4563% | 3,068 |
| Net loans and leases to total assets | 61.6757% | 4,355 |
| Net loans and leases to deposits | 80.0391% | 3,171 |
| Net loans and leases to core deposits | 84.6181% | 3,504 |
| Total domestic deposits to total assets | 77.0569% | 6,471 |
| Equity capital to assets | 10.7569% | 2,899 |
| Core capital (leverage) ratio | 11.1670% | 2,035 |
| Tier 1 risk-based capital ratio | 17.0422% | 2,335 |
| Total risk-based capital ratio | 18.2314% | 2,315 |
| Memoranda: | ||
| Average total assets | $294,090,400 | 2,189 |
| Average earning assets | $273,626,600 | 2,158 |
| Average equity | $32,782,800 | 2,007 |
| Average total loans | $182,371,800 | 2,325 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4139% | 2,816 |
| Cost of funding earning assets | 1.5515% | 2,668 |
| Net interest margin | 3.8624% | 3,693 |
| Noninterest income to average assets | 0.3371% | 5,466 |
| Noninterest expense to average assets | 1.8822% | 7,231 |
| Loan and lease loss provision to assets | 0.2744% | 4,393 |
| Net operating income to assets | 1.4158% | 1,079 |
| Return on assets (ROA) | 1.5259% | 954 |
| Pretax return on assets | 1.9142% | 745 |
| Return on Equity (ROE) | 13.5646% | 1,133 |
| Retained earnings to average equity (ytd only) | 9.2911% | 968 |
| Net charge-offs to loans | 0.0281% | 6,282 |
| Credit loss provision to net charge-offs | 1,578.9474% | 197 |
| Earnings coverage of net charge-offs (x) | 117.9893% | 271 |
| Efficiency ratio | 47.8544% | 7,280 |
| Assets per employee ($millions) | 8.2106% | 471 |
| Cash dividends to net income (ytd only)* | 31.5048% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 5,266 |
| Loan loss allowance to noncurrent loans | 58.2142% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 1.3894% | 4,377 |
| Noncurrent loans to loans | 2.1381% | 3,527 |
| Net loans and leases to total assets | 60.6189% | 4,801 |
| Net loans and leases to deposits | 79.5927% | 3,526 |
| Net loans and leases to core deposits | 84.0941% | 3,918 |
| Total domestic deposits to total assets | 76.1614% | 6,627 |
| Equity capital to assets | 11.6566% | 2,402 |
| Core capital (leverage) ratio | 11.4211% | 1,990 |
| Tier 1 risk-based capital ratio | 17.1547% | 2,286 |
| Total risk-based capital ratio | 18.3397% | 2,273 |
| Memoranda: | ||
| Average total assets | $291,494,250 | 2,233 |
| Average earning assets | $271,393,500 | 2,204 |
| Average equity | $32,790,500 | 2,029 |
| Average total loans | $180,424,000 | 2,390 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4996% | 2,516 |
| Cost of funding earning assets | 1.6159% | 2,570 |
| Net interest margin | 3.8837% | 3,517 |
| Noninterest income to average assets | 0.2693% | 5,996 |
| Noninterest expense to average assets | 1.9151% | 7,244 |
| Loan and lease loss provision to assets | 0.2088% | 4,787 |
| Net operating income to assets | 1.3739% | 1,143 |
| Return on assets (ROA) | 1.5373% | 892 |
| Pretax return on assets | 1.9659% | 648 |
| Return on Equity (ROE) | 13.8423% | 1,072 |
| Retained earnings to average equity (ytd only) | 7.9645% | 1,451 |
| Net charge-offs to loans | 0.0078% | 6,251 |
| Credit loss provision to net charge-offs | 4,285.7143% | 88 |
| Earnings coverage of net charge-offs (x) | 403.4286% | 84 |
| Efficiency ratio | 49.3544% | 7,265 |
| Assets per employee ($millions) | 7.3293% | 665 |
| Cash dividends to net income (ytd only)* | 42.4627% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1305% | 5,793 |
| Loan loss allowance to noncurrent loans | 53.8441% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 1.3815% | 4,412 |
| Noncurrent loans to loans | 2.0996% | 3,590 |
| Net loans and leases to total assets | 62.7838% | 4,521 |
| Net loans and leases to deposits | 83.1721% | 3,040 |
| Net loans and leases to core deposits | 88.2971% | 3,509 |
| Total domestic deposits to total assets | 75.4865% | 6,780 |
| Equity capital to assets | 11.6060% | 2,352 |
| Core capital (leverage) ratio | 11.2448% | 2,073 |
| Tier 1 risk-based capital ratio | 17.1317% | 2,224 |
| Total risk-based capital ratio | 18.2104% | 2,249 |
| Memoranda: | ||
| Average total assets | $287,394,670 | 2,279 |
| Average earning assets | $267,221,000 | 2,250 |
| Average equity | $31,916,670 | 2,066 |
| Average total loans | $178,406,330 | 2,440 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4574% | 2,794 |
| Cost of funding earning assets | 1.6502% | 2,651 |
| Net interest margin | 3.8072% | 3,771 |
| Noninterest income to average assets | 0.2290% | 6,319 |
| Noninterest expense to average assets | 1.9697% | 7,215 |
| Loan and lease loss provision to assets | 0.1388% | 5,164 |
| Net operating income to assets | 1.3062% | 1,284 |
| Return on assets (ROA) | 1.3062% | 1,354 |
| Pretax return on assets | 1.6560% | 1,149 |
| Return on Equity (ROE) | 12.0304% | 1,495 |
| Retained earnings to average equity (ytd only) | 10.4834% | 1,048 |
| Net charge-offs to loans | 0.0339% | 5,100 |
| Credit loss provision to net charge-offs | 666.6667% | 658 |
| Earnings coverage of net charge-offs (x) | 86.2000% | 372 |
| Efficiency ratio | 52.3230% | 7,119 |
| Assets per employee ($millions) | 7.4564% | 664 |
| Cash dividends to net income (ytd only)* | 12.8587% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0372% | 6,294 |
| Loan loss allowance to noncurrent loans | 53.9339% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 1.2187% | 4,738 |
| Noncurrent loans to loans | 1.9231% | 3,899 |
| Net loans and leases to total assets | 60.5017% | 5,038 |
| Net loans and leases to deposits | 80.7508% | 3,505 |
| Net loans and leases to core deposits | 85.6197% | 3,957 |
| Total domestic deposits to total assets | 74.9240% | 6,915 |
| Equity capital to assets | 10.9405% | 2,816 |
| Core capital (leverage) ratio | 11.1822% | 2,106 |
| Tier 1 risk-based capital ratio | 16.8177% | 2,337 |
| Total risk-based capital ratio | 17.7827% | 2,387 |
| Memoranda: | ||
| Average total assets | $288,170,500 | 2,327 |
| Average earning assets | $267,601,000 | 2,298 |
| Average equity | $31,287,500 | 2,128 |
| Average total loans | $176,852,000 | 2,522 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6536% | 3,335 |
| Cost of funding earning assets | 2.1506% | 2,231 |
| Net interest margin | 3.5030% | 4,944 |
| Noninterest income to average assets | 0.1973% | 6,683 |
| Noninterest expense to average assets | 1.9641% | 7,421 |
| Loan and lease loss provision to assets | 0.3726% | 4,544 |
| Net operating income to assets | 0.8921% | 2,207 |
| Return on assets (ROA) | 1.1919% | 1,316 |
| Pretax return on assets | 1.4958% | 1,196 |
| Return on Equity (ROE) | 10.5142% | 1,547 |
| Retained earnings to average equity (ytd only) | 0.9468% | 4,367 |
| Net charge-offs to loans | 0.2331% | 5,160 |
| Credit loss provision to net charge-offs | 264.3590% | 1,326 |
| Earnings coverage of net charge-offs (x) | 10.5974% | 1,669 |
| Efficiency ratio | 56.8039% | 6,912 |
| Assets per employee ($millions) | 7.5142% | 639 |
| Cash dividends to net income (ytd only)* | 90.9945% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 6,386 |
| Loan loss allowance to noncurrent loans | 51.9032% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 1.1869% | 4,729 |
| Noncurrent loans to loans | 1.9264% | 3,761 |
| Net loans and leases to total assets | 60.9937% | 5,194 |
| Net loans and leases to deposits | 80.0576% | 3,976 |
| Net loans and leases to core deposits | 94.7655% | 4,592 |
| Total domestic deposits to total assets | 76.1873% | 6,639 |
| Equity capital to assets | 10.7725% | 2,897 |
| Core capital (leverage) ratio | 11.0216% | 2,216 |
| Tier 1 risk-based capital ratio | 16.6116% | 2,271 |
| Total risk-based capital ratio | 17.5447% | 2,341 |
| Memoranda: | ||
| Average total assets | $276,710,600 | 2,367 |
| Average earning assets | $257,550,800 | 2,350 |
| Average equity | $31,367,200 | 2,133 |
| Average total loans | $167,298,400 | 2,659 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6400% | 3,632 |
| Cost of funding earning assets | 2.2326% | 2,267 |
| Net interest margin | 3.4074% | 5,232 |
| Noninterest income to average assets | 0.1948% | 6,824 |
| Noninterest expense to average assets | 1.9735% | 7,434 |
| Loan and lease loss provision to assets | 0.2555% | 4,907 |
| Net operating income to assets | 0.9140% | 2,372 |
| Return on assets (ROA) | 1.1526% | 1,648 |
| Pretax return on assets | 1.4367% | 1,603 |
| Return on Equity (ROE) | 10.0381% | 1,897 |
| Retained earnings to average equity (ytd only) | 4.1582% | 2,957 |
| Net charge-offs to loans | 0.2131% | 4,697 |
| Credit loss provision to net charge-offs | 199.2424% | 2,249 |
| Earnings coverage of net charge-offs (x) | 10.8712% | 1,907 |
| Efficiency ratio | 58.6038% | 6,629 |
| Assets per employee ($millions) | 7.4617% | 639 |
| Cash dividends to net income (ytd only)* | 58.5758% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8016% | 7,108 |
| Loan loss allowance to noncurrent loans | 26.0623% | 6,721 |
| Noncurrent assets plus other real estate owned to assets | 1.9810% | 3,372 |
| Noncurrent loans to loans | 3.0756% | 2,459 |
| Net loans and leases to total assets | 60.2307% | 5,548 |
| Net loans and leases to deposits | 78.3995% | 4,682 |
| Net loans and leases to core deposits | 95.3860% | 4,882 |
| Total domestic deposits to total assets | 76.8254% | 6,387 |
| Equity capital to assets | 11.8543% | 2,321 |
| Core capital (leverage) ratio | 11.3152% | 2,177 |
| Tier 1 risk-based capital ratio | 17.6308% | 2,091 |
| Total risk-based capital ratio | 18.3911% | 2,181 |
| Memoranda: | ||
| Average total assets | $274,503,000 | 2,395 |
| Average earning assets | $255,594,500 | 2,380 |
| Average equity | $31,519,000 | 2,143 |
| Average total loans | $165,142,750 | 2,712 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7119% | 3,468 |
| Cost of funding earning assets | 2.3388% | 2,207 |
| Net interest margin | 3.3731% | 5,275 |
| Noninterest income to average assets | 0.2534% | 6,463 |
| Noninterest expense to average assets | 1.9971% | 7,472 |
| Loan and lease loss provision to assets | 0.2770% | 4,362 |
| Net operating income to assets | 0.8818% | 2,528 |
| Return on assets (ROA) | 1.2391% | 1,462 |
| Pretax return on assets | 1.5669% | 1,285 |
| Return on Equity (ROE) | 10.9145% | 1,723 |
| Retained earnings to average equity (ytd only) | 1.9467% | 4,260 |
| Net charge-offs to loans | 0.2911% | 3,737 |
| Credit loss provision to net charge-offs | 158.6498% | 2,899 |
| Earnings coverage of net charge-offs (x) | 7.9705% | 2,347 |
| Efficiency ratio | 58.9348% | 6,704 |
| Assets per employee ($millions) | 7.4698% | 623 |
| Cash dividends to net income (ytd only)* | 82.1641% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7448% | 7,316 |
| Loan loss allowance to noncurrent loans | 25.4815% | 6,810 |
| Noncurrent assets plus other real estate owned to assets | 1.7848% | 3,502 |
| Noncurrent loans to loans | 2.9230% | 2,461 |
| Net loans and leases to total assets | 60.6073% | 5,584 |
| Net loans and leases to deposits | 82.2918% | 4,179 |
| Net loans and leases to core deposits | 101.7451% | 4,301 |
| Total domestic deposits to total assets | 73.6493% | 7,006 |
| Equity capital to assets | 11.2564% | 2,708 |
| Core capital (leverage) ratio | 11.4108% | 2,130 |
| Tier 1 risk-based capital ratio | 17.2875% | 2,214 |
| Total risk-based capital ratio | 17.9813% | 2,333 |
| Memoranda: | ||
| Average total assets | $271,489,670 | 2,433 |
| Average earning assets | $252,350,330 | 2,419 |
| Average equity | $30,821,330 | 2,204 |
| Average total loans | $162,803,670 | 2,771 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7078% | 3,762 |
| Cost of funding earning assets | 2.4357% | 2,151 |
| Net interest margin | 3.2721% | 5,611 |
| Noninterest income to average assets | 0.2364% | 6,568 |
| Noninterest expense to average assets | 2.0086% | 7,332 |
| Loan and lease loss provision to assets | 0.2230% | 4,222 |
| Net operating income to assets | 0.8027% | 3,121 |
| Return on assets (ROA) | 1.4540% | 1,107 |
| Pretax return on assets | 1.8926% | 809 |
| Return on Equity (ROE) | 12.7524% | 1,451 |
| Retained earnings to average equity (ytd only) | 6.2328% | 2,533 |
| Net charge-offs to loans | 0.0701% | 4,494 |
| Credit loss provision to net charge-offs | 535.7143% | 1,028 |
| Earnings coverage of net charge-offs (x) | 30.5000% | 1,038 |
| Efficiency ratio | 61.2698% | 6,206 |
| Assets per employee ($millions) | 7.2342% | 696 |
| Cash dividends to net income (ytd only)* | 51.1247% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7642% | 7,273 |
| Loan loss allowance to noncurrent loans | 23.5116% | 6,986 |
| Noncurrent assets plus other real estate owned to assets | 2.1497% | 2,674 |
| Noncurrent loans to loans | 3.2503% | 1,983 |
| Net loans and leases to total assets | 60.1576% | 5,627 |
| Net loans and leases to deposits | 81.9692% | 4,289 |
| Net loans and leases to core deposits | 102.3779% | 4,301 |
| Total domestic deposits to total assets | 73.3904% | 6,982 |
| Equity capital to assets | 11.4142% | 2,647 |
| Core capital (leverage) ratio | 11.7025% | 2,040 |
| Tier 1 risk-based capital ratio | 17.7140% | 2,123 |
| Total risk-based capital ratio | 18.4114% | 2,231 |
| Memoranda: | ||
| Average total assets | $269,042,500 | 2,474 |
| Average earning assets | $250,112,000 | 2,444 |
| Average equity | $30,676,500 | 2,211 |
| Average total loans | $159,822,500 | 2,851 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0860% | 5,116 |
| Cost of funding earning assets | 2.8903% | 2,303 |
| Net interest margin | 3.1957% | 6,382 |
| Noninterest income to average assets | 0.2556% | 6,621 |
| Noninterest expense to average assets | 1.9893% | 7,458 |
| Loan and lease loss provision to assets | 0.0401% | 6,912 |
| Net operating income to assets | 1.0061% | 2,533 |
| Return on assets (ROA) | 1.0183% | 2,370 |
| Pretax return on assets | 1.2040% | 2,620 |
| Return on Equity (ROE) | 8.7637% | 2,726 |
| Retained earnings to average equity (ytd only) | 2.6066% | 3,569 |
| Net charge-offs to loans | 0.0716% | 5,741 |
| Credit loss provision to net charge-offs | 99.0654% | 5,413 |
| Earnings coverage of net charge-offs (x) | 30.3925% | 1,165 |
| Efficiency ratio | 61.7996% | 5,993 |
| Assets per employee ($millions) | 7.1163% | 672 |
| Cash dividends to net income (ytd only)* | 70.2562% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7104% | 7,392 |
| Loan loss allowance to noncurrent loans | 34.7313% | 6,419 |
| Noncurrent assets plus other real estate owned to assets | 1.3679% | 3,463 |
| Noncurrent loans to loans | 2.0453% | 2,705 |
| Net loans and leases to total assets | 57.7865% | 6,230 |
| Net loans and leases to deposits | 78.7801% | 5,230 |
| Net loans and leases to core deposits | 106.4512% | 4,140 |
| Total domestic deposits to total assets | 73.3516% | 6,762 |
| Equity capital to assets | 11.3901% | 2,709 |
| Core capital (leverage) ratio | 11.5954% | 2,194 |
| Tier 1 risk-based capital ratio | 17.9134% | 2,063 |
| Total risk-based capital ratio | 18.5591% | 2,179 |
| Memoranda: | ||
| Average total assets | $264,459,400 | 2,420 |
| Average earning assets | $245,236,400 | 2,406 |
| Average equity | $30,729,200 | 2,195 |
| Average total loans | $149,421,200 | 2,940 |