Home > Queensborough National Bank & Trust Company > Performance and Condition Ratios
Queensborough National Bank & Trust Company, 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 | 4.6678% | 2,748 |
| Cost of funding earning assets | 1.2997% | 2,512 |
| Net interest margin | 3.3680% | 2,475 |
| Noninterest income to average assets | 0.8300% | 878 |
| Noninterest expense to average assets | 2.7673% | 1,582 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.8760% | 2,617 |
| Return on assets (ROA) | 0.8760% | 2,590 |
| Pretax return on assets | 1.1317% | 2,312 |
| Return on Equity (ROE) | 11.9100% | 1,974 |
| Retained earnings to average equity (ytd only) | 8.3437% | 1,445 |
| Net charge-offs to loans | 0.0681% | 1,173 |
| Credit loss provision to net charge-offs | 177.8656% | 1,326 |
| Earnings coverage of net charge-offs (x) | 30.7879% | 1,619 |
| Efficiency ratio | 69.7287% | 1,916 |
| Assets per employee ($millions) | 6.0730% | 2,759 |
| Cash dividends to net income (ytd only)* | 29.9190% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9294% | 3,611 |
| Loan loss allowance to noncurrent loans | 208.1676% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.2537% | 1,945 |
| Noncurrent loans to loans | 0.4465% | 1,662 |
| Net loans and leases to total assets | 56.0200% | 3,192 |
| Net loans and leases to deposits | 62.7099% | 3,367 |
| Net loans and leases to core deposits | 66.6015% | 3,472 |
| Total domestic deposits to total assets | 89.3300% | 971 |
| Equity capital to assets | 7.2908% | 3,824 |
| Core capital (leverage) ratio | 9.1089% | 3,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3473% | 1,740 |
| Memoranda: | ||
| Average total assets | $1,945,812,200 | 587 |
| Average earning assets | $1,810,976,800 | 572 |
| Average equity | $143,174,200 | 699 |
| Average total loans | $1,114,753,400 | 669 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5748% | 2,739 |
| Cost of funding earning assets | 1.1620% | 2,556 |
| Net interest margin | 3.4128% | 2,425 |
| Noninterest income to average assets | 0.8400% | 866 |
| Noninterest expense to average assets | 2.8053% | 1,424 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.8933% | 2,705 |
| Return on assets (ROA) | 0.8934% | 2,693 |
| Pretax return on assets | 1.1567% | 2,396 |
| Return on Equity (ROE) | 12.1100% | 2,090 |
| Retained earnings to average equity (ytd only) | 10.6959% | 1,219 |
| Net charge-offs to loans | 0.0799% | 922 |
| Credit loss provision to net charge-offs | 113.6364% | 1,525 |
| Earnings coverage of net charge-offs (x) | 26.2985% | 1,672 |
| Efficiency ratio | 69.8763% | 1,797 |
| Assets per employee ($millions) | 5.4901% | 3,183 |
| Cash dividends to net income (ytd only)* | 11.6923% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9216% | 3,659 |
| Loan loss allowance to noncurrent loans | 241.4181% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.2295% | 2,111 |
| Noncurrent loans to loans | 0.3817% | 1,871 |
| Net loans and leases to total assets | 59.2000% | 2,918 |
| Net loans and leases to deposits | 64.6859% | 3,215 |
| Net loans and leases to core deposits | 68.1512% | 3,312 |
| Total domestic deposits to total assets | 91.5200% | 554 |
| Equity capital to assets | 7.4943% | 3,356 |
| Core capital (leverage) ratio | 9.4260% | 3,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5067% | 1,714 |
| Memoranda: | ||
| Average total assets | $1,914,543,000 | 595 |
| Average earning assets | $1,780,060,250 | 580 |
| Average equity | $141,221,500 | 698 |
| Average total loans | $1,100,699,750 | 675 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4514% | 2,767 |
| Cost of funding earning assets | 1.0109% | 2,569 |
| Net interest margin | 3.4405% | 2,417 |
| Noninterest income to average assets | 0.8400% | 788 |
| Noninterest expense to average assets | 2.7811% | 1,460 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.9448% | 2,603 |
| Return on assets (ROA) | 0.9449% | 2,593 |
| Pretax return on assets | 1.2311% | 2,283 |
| Return on Equity (ROE) | 12.8800% | 1,927 |
| Retained earnings to average equity (ytd only) | 10.7450% | 1,234 |
| Net charge-offs to loans | 0.1157% | 620 |
| Credit loss provision to net charge-offs | 47.6948% | 1,684 |
| Earnings coverage of net charge-offs (x) | 19.2226% | 1,747 |
| Efficiency ratio | 68.7674% | 1,889 |
| Assets per employee ($millions) | 5.4636% | 3,181 |
| Cash dividends to net income (ytd only)* | 16.5709% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9059% | 3,768 |
| Loan loss allowance to noncurrent loans | 184.8490% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.2863% | 1,777 |
| Noncurrent loans to loans | 0.4901% | 1,491 |
| Net loans and leases to total assets | 57.6200% | 2,993 |
| Net loans and leases to deposits | 62.9017% | 3,258 |
| Net loans and leases to core deposits | 65.6360% | 3,372 |
| Total domestic deposits to total assets | 91.6100% | 482 |
| Equity capital to assets | 7.5226% | 3,502 |
| Core capital (leverage) ratio | 9.1871% | 3,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3601% | 1,772 |
| Memoranda: | ||
| Average total assets | $1,915,870,000 | 581 |
| Average earning assets | $1,783,471,000 | 570 |
| Average equity | $140,567,333 | 698 |
| Average total loans | $1,087,054,333 | 670 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3804% | 2,605 |
| Cost of funding earning assets | 0.8640% | 2,490 |
| Net interest margin | 3.5164% | 2,320 |
| Noninterest income to average assets | 0.8700% | 729 |
| Noninterest expense to average assets | 2.8189% | 1,395 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0145% | 2,486 |
| Return on assets (ROA) | 1.0141% | 2,455 |
| Pretax return on assets | 1.3212% | 2,114 |
| Return on Equity (ROE) | 14.0000% | 1,771 |
| Retained earnings to average equity (ytd only) | 13.9995% | 939 |
| Net charge-offs to loans | 0.1368% | 492 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 17.2398% | 1,502 |
| Efficiency ratio | 68.0607% | 1,964 |
| Assets per employee ($millions) | 5.3668% | 3,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9351% | 3,762 |
| Loan loss allowance to noncurrent loans | 246.8482% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.2124% | 2,076 |
| Noncurrent loans to loans | 0.3788% | 1,799 |
| Net loans and leases to total assets | 55.1800% | 3,099 |
| Net loans and leases to deposits | 59.7409% | 3,350 |
| Net loans and leases to core deposits | 61.6614% | 3,466 |
| Total domestic deposits to total assets | 92.3700% | 426 |
| Equity capital to assets | 7.3618% | 3,639 |
| Core capital (leverage) ratio | 9.0491% | 3,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3831% | 1,837 |
| Memoranda: | ||
| Average total assets | $1,914,934,500 | 594 |
| Average earning assets | $1,781,387,500 | 583 |
| Average equity | $138,719,000 | 715 |
| Average total loans | $1,072,997,000 | 684 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5404% | 2,972 |
| Cost of funding earning assets | 0.2466% | 3,350 |
| Net interest margin | 3.2938% | 2,579 |
| Noninterest income to average assets | 0.9100% | 764 |
| Noninterest expense to average assets | 2.6563% | 1,662 |
| Loan and lease loss provision to assets | -0.1300% | 4,576 |
| Net operating income to assets | 1.1303% | 2,053 |
| Return on assets (ROA) | 1.0508% | 2,315 |
| Pretax return on assets | 1.3628% | 1,892 |
| Return on Equity (ROE) | 15.2600% | 1,192 |
| Retained earnings to average equity (ytd only) | 12.0376% | 658 |
| Net charge-offs to loans | 0.0239% | 1,579 |
| Credit loss provision to net charge-offs | -1,020.4082% | 4,666 |
| Earnings coverage of net charge-offs (x) | 108.1633% | 937 |
| Efficiency ratio | 66.4198% | 2,161 |
| Assets per employee ($millions) | 5.4069% | 3,309 |
| Cash dividends to net income (ytd only)* | 21.1305% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 3,295 |
| Loan loss allowance to noncurrent loans | 211.0288% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.2883% | 1,700 |
| Noncurrent loans to loans | 0.4797% | 1,499 |
| Net loans and leases to total assets | 55.8000% | 3,050 |
| Net loans and leases to deposits | 60.2343% | 3,318 |
| Net loans and leases to core deposits | 61.8565% | 3,398 |
| Total domestic deposits to total assets | 92.6300% | 483 |
| Equity capital to assets | 7.1242% | 3,602 |
| Core capital (leverage) ratio | 8.6219% | 4,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2322% | 1,879 |
| Memoranda: | ||
| Average total assets | $1,981,667,000 | 556 |
| Average earning assets | $1,856,506,400 | 539 |
| Average equity | $136,431,000 | 722 |
| Average total loans | $1,023,269,800 | 666 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3382% | 3,078 |
| Cost of funding earning assets | 0.1550% | 3,797 |
| Net interest margin | 3.1831% | 2,675 |
| Noninterest income to average assets | 0.9200% | 787 |
| Noninterest expense to average assets | 2.6098% | 1,692 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 1.0175% | 2,412 |
| Return on assets (ROA) | 1.0175% | 2,385 |
| Pretax return on assets | 1.3255% | 1,963 |
| Return on Equity (ROE) | 14.9000% | 1,204 |
| Retained earnings to average equity (ytd only) | 14.0245% | 463 |
| Net charge-offs to loans | 0.0156% | 1,551 |
| Credit loss provision to net charge-offs | -423.7288% | 4,689 |
| Earnings coverage of net charge-offs (x) | 164.4831% | 710 |
| Efficiency ratio | 66.7725% | 2,183 |
| Assets per employee ($millions) | 5.5329% | 3,182 |
| Cash dividends to net income (ytd only)* | 5.8889% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2533% | 2,247 |
| Loan loss allowance to noncurrent loans | 97.3479% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 0.7197% | 714 |
| Noncurrent loans to loans | 1.2875% | 570 |
| Net loans and leases to total assets | 52.7100% | 3,216 |
| Net loans and leases to deposits | 56.5775% | 3,433 |
| Net loans and leases to core deposits | 58.0542% | 3,499 |
| Total domestic deposits to total assets | 93.1700% | 533 |
| Equity capital to assets | 6.5529% | 3,714 |
| Core capital (leverage) ratio | 8.4307% | 4,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5001% | 1,876 |
| Memoranda: | ||
| Average total assets | $2,002,631,000 | 547 |
| Average earning assets | $1,877,224,250 | 532 |
| Average equity | $136,737,750 | 731 |
| Average total loans | $1,011,656,000 | 675 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1191% | 3,259 |
| Cost of funding earning assets | 0.1423% | 3,677 |
| Net interest margin | 2.9769% | 2,949 |
| Noninterest income to average assets | 0.9047% | 839 |
| Noninterest expense to average assets | 2.5632% | 1,746 |
| Loan and lease loss provision to assets | -0.0494% | 4,515 |
| Net operating income to assets | 0.9147% | 2,521 |
| Return on assets (ROA) | 0.9147% | 2,490 |
| Pretax return on assets | 1.1917% | 2,103 |
| Return on Equity (ROE) | 13.2269% | 1,315 |
| Retained earnings to average equity (ytd only) | 12.5842% | 518 |
| Net charge-offs to loans | 0.0090% | 1,652 |
| Credit loss provision to net charge-offs | -1,111.1111% | 3,563 |
| Earnings coverage of net charge-offs (x) | 256.9778% | 460 |
| Efficiency ratio | 69.0579% | 2,097 |
| Assets per employee ($millions) | 5.7983% | 2,924 |
| Cash dividends to net income (ytd only)* | 4.8596% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 2,329 |
| Loan loss allowance to noncurrent loans | 93.2513% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 0.7362% | 721 |
| Noncurrent loans to loans | 1.3612% | 567 |
| Net loans and leases to total assets | 51.1072% | 3,253 |
| Net loans and leases to deposits | 54.8822% | 3,476 |
| Net loans and leases to core deposits | 56.3106% | 3,539 |
| Total domestic deposits to total assets | 93.1217% | 487 |
| Equity capital to assets | 6.5980% | 3,973 |
| Core capital (leverage) ratio | 7.9897% | 4,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3612% | 1,912 |
| Memoranda: | ||
| Average total assets | $2,024,664,000 | 544 |
| Average earning assets | $1,904,897,667 | 531 |
| Average equity | $140,017,333 | 721 |
| Average total loans | $1,004,276,333 | 671 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9985% | 3,265 |
| Cost of funding earning assets | 0.1420% | 3,600 |
| Net interest margin | 2.8564% | 2,968 |
| Noninterest income to average assets | 0.8520% | 923 |
| Noninterest expense to average assets | 2.5348% | 1,796 |
| Loan and lease loss provision to assets | -0.0978% | 4,597 |
| Net operating income to assets | 0.8491% | 2,488 |
| Return on assets (ROA) | 0.8491% | 2,479 |
| Pretax return on assets | 1.1049% | 2,127 |
| Return on Equity (ROE) | 12.0106% | 1,312 |
| Retained earnings to average equity (ytd only) | 10.7658% | 828 |
| Net charge-offs to loans | 0.0081% | 1,455 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,422 |
| Earnings coverage of net charge-offs (x) | 257.5000% | 355 |
| Efficiency ratio | 71.4443% | 2,052 |
| Assets per employee ($millions) | 5.9974% | 2,817 |
| Cash dividends to net income (ytd only)* | 10.3639% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3050% | 2,337 |
| Loan loss allowance to noncurrent loans | 82.9521% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 0.8097% | 680 |
| Noncurrent loans to loans | 1.5732% | 510 |
| Net loans and leases to total assets | 48.8494% | 3,300 |
| Net loans and leases to deposits | 52.4868% | 3,536 |
| Net loans and leases to core deposits | 53.7380% | 3,612 |
| Total domestic deposits to total assets | 93.0698% | 257 |
| Equity capital to assets | 6.7675% | 4,312 |
| Core capital (leverage) ratio | 7.7118% | 4,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4984% | 1,991 |
| Memoranda: | ||
| Average total assets | $2,045,479,000 | 541 |
| Average earning assets | $1,926,175,500 | 532 |
| Average equity | $144,606,000 | 727 |
| Average total loans | $993,162,500 | 672 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3846% | 2,972 |
| Cost of funding earning assets | 0.1786% | 3,679 |
| Net interest margin | 3.2060% | 2,584 |
| Noninterest income to average assets | 1.2404% | 688 |
| Noninterest expense to average assets | 2.8319% | 1,283 |
| Loan and lease loss provision to assets | -0.0549% | 4,378 |
| Net operating income to assets | 1.1174% | 2,222 |
| Return on assets (ROA) | 1.1216% | 2,267 |
| Pretax return on assets | 1.4589% | 1,855 |
| Return on Equity (ROE) | 13.8740% | 1,223 |
| Retained earnings to average equity (ytd only) | 12.3806% | 490 |
| Net charge-offs to loans | 0.0095% | 2,219 |
| Credit loss provision to net charge-offs | -1,052.6316% | 3,927 |
| Earnings coverage of net charge-offs (x) | 268.2842% | 439 |
| Efficiency ratio | 66.8258% | 2,143 |
| Assets per employee ($millions) | 6.1787% | 2,589 |
| Cash dividends to net income (ytd only)* | 10.7643% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 2,013 |
| Loan loss allowance to noncurrent loans | 75.3162% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 0.9049% | 648 |
| Noncurrent loans to loans | 1.8280% | 458 |
| Net loans and leases to total assets | 46.9791% | 3,603 |
| Net loans and leases to deposits | 50.9152% | 3,813 |
| Net loans and leases to core deposits | 52.0367% | 3,893 |
| Total domestic deposits to total assets | 92.2693% | 122 |
| Equity capital to assets | 7.3645% | 4,636 |
| Core capital (leverage) ratio | 7.9704% | 4,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7636% | 1,944 |
| Memoranda: | ||
| Average total assets | $1,822,206,600 | 579 |
| Average earning assets | $1,699,507,600 | 567 |
| Average equity | $147,311,600 | 728 |
| Average total loans | $1,003,015,600 | 653 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5279% | 2,751 |
| Cost of funding earning assets | 0.1899% | 3,715 |
| Net interest margin | 3.3380% | 2,313 |
| Noninterest income to average assets | 1.3353% | 665 |
| Noninterest expense to average assets | 2.9326% | 1,072 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1565% | 2,337 |
| Return on assets (ROA) | 1.1624% | 2,378 |
| Pretax return on assets | 1.5143% | 1,958 |
| Return on Equity (ROE) | 14.0113% | 1,388 |
| Retained earnings to average equity (ytd only) | 14.0113% | 511 |
| Net charge-offs to loans | 0.0146% | 1,798 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 180.8545% | 599 |
| Efficiency ratio | 65.9472% | 2,105 |
| Assets per employee ($millions) | 5.4543% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 1,632 |
| Loan loss allowance to noncurrent loans | 73.0850% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 1.5054% | 327 |
| Noncurrent loans to loans | 2.0528% | 421 |
| Net loans and leases to total assets | 51.8528% | 3,202 |
| Net loans and leases to deposits | 56.7664% | 3,509 |
| Net loans and leases to core deposits | 58.1532% | 3,616 |
| Total domestic deposits to total assets | 91.3442% | 276 |
| Equity capital to assets | 8.2711% | 4,368 |
| Core capital (leverage) ratio | 8.3173% | 4,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9173% | 1,999 |
| Memoranda: | ||
| Average total assets | $1,760,295,500 | 600 |
| Average earning assets | $1,636,983,750 | 589 |
| Average equity | $146,031,000 | 744 |
| Average total loans | $1,007,276,500 | 671 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5258% | 2,823 |
| Cost of funding earning assets | 0.2042% | 3,708 |
| Net interest margin | 3.3216% | 2,377 |
| Noninterest income to average assets | 1.4131% | 600 |
| Noninterest expense to average assets | 2.9232% | 1,113 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2065% | 2,171 |
| Return on assets (ROA) | 1.2075% | 2,236 |
| Pretax return on assets | 1.5728% | 1,813 |
| Return on Equity (ROE) | 14.5399% | 1,271 |
| Retained earnings to average equity (ytd only) | 14.5399% | 485 |
| Net charge-offs to loans | 0.0033% | 2,053 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 800.8235% | 173 |
| Efficiency ratio | 64.9639% | 2,305 |
| Assets per employee ($millions) | 5.3548% | 3,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 1,800 |
| Loan loss allowance to noncurrent loans | 74.6460% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 1.5161% | 370 |
| Noncurrent loans to loans | 1.9323% | 511 |
| Net loans and leases to total assets | 55.1556% | 2,998 |
| Net loans and leases to deposits | 60.3326% | 3,368 |
| Net loans and leases to core deposits | 62.2591% | 3,439 |
| Total domestic deposits to total assets | 91.4193% | 249 |
| Equity capital to assets | 8.1364% | 4,463 |
| Core capital (leverage) ratio | 8.2368% | 4,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6935% | 2,091 |
| Memoranda: | ||
| Average total assets | $1,732,538,667 | 603 |
| Average earning assets | $1,607,406,000 | 594 |
| Average equity | $143,880,333 | 749 |
| Average total loans | $1,019,535,000 | 662 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5140% | 2,878 |
| Cost of funding earning assets | 0.2164% | 3,764 |
| Net interest margin | 3.2976% | 2,399 |
| Noninterest income to average assets | 1.3801% | 690 |
| Noninterest expense to average assets | 2.9177% | 1,121 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1642% | 2,283 |
| Return on assets (ROA) | 1.1642% | 2,355 |
| Pretax return on assets | 1.5159% | 1,952 |
| Return on Equity (ROE) | 13.8676% | 1,464 |
| Retained earnings to average equity (ytd only) | 13.8676% | 774 |
| Net charge-offs to loans | 0.0145% | 1,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 173.2162% | 443 |
| Efficiency ratio | 65.6922% | 2,275 |
| Assets per employee ($millions) | 5.3137% | 3,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4406% | 1,801 |
| Loan loss allowance to noncurrent loans | 88.2836% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.5111% | 419 |
| Noncurrent loans to loans | 1.6318% | 744 |
| Net loans and leases to total assets | 58.3301% | 2,764 |
| Net loans and leases to deposits | 64.6996% | 3,062 |
| Net loans and leases to core deposits | 66.9245% | 3,161 |
| Total domestic deposits to total assets | 90.1552% | 749 |
| Equity capital to assets | 8.2953% | 4,281 |
| Core capital (leverage) ratio | 8.2967% | 4,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7738% | 1,975 |
| Memoranda: | ||
| Average total assets | $1,691,170,000 | 611 |
| Average earning assets | $1,565,972,500 | 600 |
| Average equity | $141,971,000 | 751 |
| Average total loans | $1,021,362,500 | 662 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9807% | 2,791 |
| Cost of funding earning assets | 0.3946% | 3,614 |
| Net interest margin | 3.5862% | 2,188 |
| Noninterest income to average assets | 1.3846% | 607 |
| Noninterest expense to average assets | 3.2947% | 915 |
| Loan and lease loss provision to assets | 0.2852% | 1,332 |
| Net operating income to assets | 0.8874% | 2,751 |
| Return on assets (ROA) | 0.8894% | 2,879 |
| Pretax return on assets | 1.1434% | 2,537 |
| Return on Equity (ROE) | 9.7571% | 2,090 |
| Retained earnings to average equity (ytd only) | 8.6506% | 865 |
| Net charge-offs to loans | 0.0534% | 2,022 |
| Credit loss provision to net charge-offs | 820.0000% | 884 |
| Earnings coverage of net charge-offs (x) | 41.0040% | 1,365 |
| Efficiency ratio | 69.6636% | 1,995 |
| Assets per employee ($millions) | 5.1740% | 3,193 |
| Cash dividends to net income (ytd only)* | 11.3405% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 1,858 |
| Loan loss allowance to noncurrent loans | 72.1239% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 1.8152% | 337 |
| Noncurrent loans to loans | 1.9806% | 588 |
| Net loans and leases to total assets | 60.7611% | 2,764 |
| Net loans and leases to deposits | 67.6477% | 3,115 |
| Net loans and leases to core deposits | 70.0728% | 3,247 |
| Total domestic deposits to total assets | 89.8198% | 631 |
| Equity capital to assets | 8.4974% | 4,442 |
| Core capital (leverage) ratio | 8.3172% | 4,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6066% | 2,012 |
| Memoranda: | ||
| Average total assets | $1,437,672,000 | 639 |
| Average earning assets | $1,337,450,600 | 630 |
| Average equity | $131,042,600 | 759 |
| Average total loans | $936,867,800 | 689 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1872% | 2,431 |
| Cost of funding earning assets | 0.4320% | 3,631 |
| Net interest margin | 3.7552% | 1,744 |
| Noninterest income to average assets | 1.2917% | 653 |
| Noninterest expense to average assets | 3.3288% | 865 |
| Loan and lease loss provision to assets | 0.3091% | 1,294 |
| Net operating income to assets | 0.8864% | 2,751 |
| Return on assets (ROA) | 0.8892% | 2,865 |
| Pretax return on assets | 1.1547% | 2,550 |
| Return on Equity (ROE) | 9.5597% | 2,184 |
| Retained earnings to average equity (ytd only) | 8.0541% | 1,289 |
| Net charge-offs to loans | 0.0712% | 1,603 |
| Credit loss provision to net charge-offs | 655.7377% | 1,112 |
| Earnings coverage of net charge-offs (x) | 30.9857% | 1,553 |
| Efficiency ratio | 69.3769% | 1,980 |
| Assets per employee ($millions) | 4.9097% | 3,364 |
| Cash dividends to net income (ytd only)* | 15.7489% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 2,028 |
| Loan loss allowance to noncurrent loans | 45.0024% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 2.1658% | 280 |
| Noncurrent loans to loans | 2.9597% | 315 |
| Net loans and leases to total assets | 65.3900% | 2,594 |
| Net loans and leases to deposits | 72.9303% | 3,041 |
| Net loans and leases to core deposits | 76.9868% | 3,097 |
| Total domestic deposits to total assets | 89.6610% | 533 |
| Equity capital to assets | 8.5378% | 4,439 |
| Core capital (leverage) ratio | 8.2175% | 4,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5680% | 1,975 |
| Memoranda: | ||
| Average total assets | $1,380,585,250 | 648 |
| Average earning assets | $1,285,812,500 | 644 |
| Average equity | $128,411,250 | 764 |
| Average total loans | $914,344,500 | 696 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3177% | 2,429 |
| Cost of funding earning assets | 0.4876% | 3,606 |
| Net interest margin | 3.8301% | 1,739 |
| Noninterest income to average assets | 1.1158% | 798 |
| Noninterest expense to average assets | 3.3765% | 880 |
| Loan and lease loss provision to assets | 0.3030% | 1,425 |
| Net operating income to assets | 0.7650% | 3,176 |
| Return on assets (ROA) | 0.7693% | 3,274 |
| Pretax return on assets | 0.9990% | 3,034 |
| Return on Equity (ROE) | 8.0122% | 2,743 |
| Retained earnings to average equity (ytd only) | 5.7248% | 2,184 |
| Net charge-offs to loans | 0.1139% | 1,164 |
| Credit loss provision to net charge-offs | 401.6064% | 1,400 |
| Earnings coverage of net charge-offs (x) | 17.1867% | 1,828 |
| Efficiency ratio | 72.1167% | 1,664 |
| Assets per employee ($millions) | 4.7197% | 3,512 |
| Cash dividends to net income (ytd only)* | 28.5489% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2638% | 2,184 |
| Loan loss allowance to noncurrent loans | 37.2030% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 2.4204% | 241 |
| Noncurrent loans to loans | 3.3969% | 245 |
| Net loans and leases to total assets | 65.2398% | 2,731 |
| Net loans and leases to deposits | 73.2188% | 3,147 |
| Net loans and leases to core deposits | 77.4306% | 3,158 |
| Total domestic deposits to total assets | 89.1026% | 711 |
| Equity capital to assets | 8.5755% | 4,430 |
| Core capital (leverage) ratio | 8.7105% | 4,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6378% | 1,943 |
| Memoranda: | ||
| Average total assets | $1,320,347,000 | 660 |
| Average earning assets | $1,226,297,667 | 653 |
| Average equity | $126,781,667 | 766 |
| Average total loans | $874,220,667 | 713 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4951% | 2,320 |
| Cost of funding earning assets | 0.5691% | 3,596 |
| Net interest margin | 3.9260% | 1,594 |
| Noninterest income to average assets | 1.4195% | 443 |
| Noninterest expense to average assets | 3.6353% | 774 |
| Loan and lease loss provision to assets | 0.1629% | 1,784 |
| Net operating income to assets | 0.9564% | 2,328 |
| Return on assets (ROA) | 0.9582% | 2,426 |
| Pretax return on assets | 1.2443% | 2,050 |
| Return on Equity (ROE) | 9.3650% | 1,971 |
| Retained earnings to average equity (ytd only) | 9.3650% | 879 |
| Net charge-offs to loans | 0.2212% | 637 |
| Credit loss provision to net charge-offs | 111.1111% | 1,747 |
| Earnings coverage of net charge-offs (x) | 9.5822% | 1,815 |
| Efficiency ratio | 71.9845% | 2,078 |
| Assets per employee ($millions) | 3.7532% | 4,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3782% | 1,780 |
| Loan loss allowance to noncurrent loans | 35.8467% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 2.9461% | 203 |
| Noncurrent loans to loans | 3.8448% | 211 |
| Net loans and leases to total assets | 64.4403% | 3,014 |
| Net loans and leases to deposits | 73.5769% | 3,315 |
| Net loans and leases to core deposits | 77.2028% | 3,413 |
| Total domestic deposits to total assets | 87.5822% | 1,284 |
| Equity capital to assets | 10.4145% | 3,394 |
| Core capital (leverage) ratio | 9.7796% | 3,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0775% | 1,878 |
| Memoranda: | ||
| Average total assets | $1,227,726,500 | 677 |
| Average earning assets | $1,132,260,000 | 675 |
| Average equity | $125,617,000 | 767 |
| Average total loans | $813,923,500 | 738 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6970% | 2,335 |
| Cost of funding earning assets | 0.6007% | 3,636 |
| Net interest margin | 4.0963% | 1,552 |
| Noninterest income to average assets | 1.3888% | 499 |
| Noninterest expense to average assets | 3.5937% | 858 |
| Loan and lease loss provision to assets | -0.0210% | 4,957 |
| Net operating income to assets | 1.2227% | 1,974 |
| Return on assets (ROA) | 1.2227% | 2,061 |
| Pretax return on assets | 1.5885% | 1,519 |
| Return on Equity (ROE) | 12.4400% | 1,347 |
| Retained earnings to average equity (ytd only) | 9.1222% | 682 |
| Net charge-offs to loans | 0.1273% | 1,496 |
| Credit loss provision to net charge-offs | -24.5821% | 4,131 |
| Earnings coverage of net charge-offs (x) | 18.3402% | 2,065 |
| Efficiency ratio | 69.4864% | 2,248 |
| Assets per employee ($millions) | 3.7674% | 4,193 |
| Cash dividends to net income (ytd only)* | 26.6703% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 1,718 |
| Loan loss allowance to noncurrent loans | 31.0354% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 3.2404% | 156 |
| Noncurrent loans to loans | 4.3445% | 139 |
| Net loans and leases to total assets | 66.3537% | 2,911 |
| Net loans and leases to deposits | 74.7250% | 3,286 |
| Net loans and leases to core deposits | 78.7691% | 3,390 |
| Total domestic deposits to total assets | 88.7971% | 752 |
| Equity capital to assets | 10.0468% | 3,872 |
| Core capital (leverage) ratio | 9.7819% | 3,749 |
| Tier 1 risk-based capital ratio | 13.5164% | 3,514 |
| Total risk-based capital ratio | 14.7665% | 3,411 |
| Memoranda: | ||
| Average total assets | $1,189,844,800 | 665 |
| Average earning assets | $1,095,811,600 | 664 |
| Average equity | $116,945,200 | 778 |
| Average total loans | $798,647,200 | 718 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7495% | 2,271 |
| Cost of funding earning assets | 0.5951% | 3,723 |
| Net interest margin | 4.1544% | 1,489 |
| Noninterest income to average assets | 1.3634% | 494 |
| Noninterest expense to average assets | 3.5760% | 875 |
| Loan and lease loss provision to assets | -0.0282% | 5,092 |
| Net operating income to assets | 1.2621% | 1,975 |
| Return on assets (ROA) | 1.2620% | 2,058 |
| Pretax return on assets | 1.6359% | 1,511 |
| Return on Equity (ROE) | 12.9138% | 1,312 |
| Retained earnings to average equity (ytd only) | 11.2402% | 486 |
| Net charge-offs to loans | 0.0822% | 1,650 |
| Credit loss provision to net charge-offs | -51.1247% | 4,024 |
| Earnings coverage of net charge-offs (x) | 29.1515% | 1,652 |
| Efficiency ratio | 68.8431% | 2,280 |
| Assets per employee ($millions) | 3.7437% | 4,226 |
| Cash dividends to net income (ytd only)* | 12.9592% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 1,491 |
| Loan loss allowance to noncurrent loans | 32.5056% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 3.2627% | 158 |
| Noncurrent loans to loans | 4.3776% | 141 |
| Net loans and leases to total assets | 66.4446% | 2,998 |
| Net loans and leases to deposits | 74.9197% | 3,395 |
| Net loans and leases to core deposits | 78.7556% | 3,485 |
| Total domestic deposits to total assets | 88.6877% | 749 |
| Equity capital to assets | 10.0674% | 3,947 |
| Core capital (leverage) ratio | 9.8610% | 3,775 |
| Tier 1 risk-based capital ratio | 13.5111% | 3,566 |
| Total risk-based capital ratio | 14.7620% | 3,473 |
| Memoranda: | ||
| Average total assets | $1,182,143,500 | 669 |
| Average earning assets | $1,087,114,750 | 669 |
| Average equity | $115,522,500 | 788 |
| Average total loans | $793,055,000 | 723 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7974% | 2,065 |
| Cost of funding earning assets | 0.5722% | 3,783 |
| Net interest margin | 4.2252% | 1,300 |
| Noninterest income to average assets | 1.2754% | 532 |
| Noninterest expense to average assets | 3.5255% | 929 |
| Loan and lease loss provision to assets | -0.0426% | 5,166 |
| Net operating income to assets | 1.2902% | 1,817 |
| Return on assets (ROA) | 1.2902% | 1,873 |
| Pretax return on assets | 1.6687% | 1,339 |
| Return on Equity (ROE) | 13.3414% | 1,142 |
| Retained earnings to average equity (ytd only) | 10.7852% | 583 |
| Net charge-offs to loans | 0.0865% | 1,497 |
| Credit loss provision to net charge-offs | -73.5294% | 3,860 |
| Earnings coverage of net charge-offs (x) | 28.0529% | 1,520 |
| Efficiency ratio | 68.2927% | 2,488 |
| Assets per employee ($millions) | 3.7803% | 4,153 |
| Cash dividends to net income (ytd only)* | 19.1596% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4376% | 1,466 |
| Loan loss allowance to noncurrent loans | 32.3306% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 3.3970% | 155 |
| Noncurrent loans to loans | 4.4465% | 139 |
| Net loans and leases to total assets | 67.6344% | 2,871 |
| Net loans and leases to deposits | 76.0712% | 3,326 |
| Net loans and leases to core deposits | 80.1805% | 3,404 |
| Total domestic deposits to total assets | 88.9093% | 698 |
| Equity capital to assets | 9.9046% | 4,057 |
| Core capital (leverage) ratio | 9.9716% | 3,609 |
| Tier 1 risk-based capital ratio | 13.1864% | 3,739 |
| Total risk-based capital ratio | 14.4376% | 3,650 |
| Memoranda: | ||
| Average total assets | $1,173,119,670 | 674 |
| Average earning assets | $1,076,213,000 | 675 |
| Average equity | $113,451,330 | 794 |
| Average total loans | $785,721,330 | 727 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7856% | 1,944 |
| Cost of funding earning assets | 0.5691% | 3,737 |
| Net interest margin | 4.2165% | 1,272 |
| Noninterest income to average assets | 1.1818% | 581 |
| Noninterest expense to average assets | 3.4603% | 1,023 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2396% | 1,923 |
| Return on assets (ROA) | 1.2396% | 1,970 |
| Pretax return on assets | 1.6134% | 1,435 |
| Return on Equity (ROE) | 12.9778% | 1,223 |
| Retained earnings to average equity (ytd only) | 12.9778% | 469 |
| Net charge-offs to loans | 0.1506% | 872 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 16.1931% | 1,708 |
| Efficiency ratio | 68.0525% | 2,634 |
| Assets per employee ($millions) | 3.6849% | 4,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5565% | 1,160 |
| Loan loss allowance to noncurrent loans | 41.8153% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 2.8127% | 236 |
| Noncurrent loans to loans | 3.7223% | 231 |
| Net loans and leases to total assets | 65.8521% | 3,079 |
| Net loans and leases to deposits | 73.4485% | 3,491 |
| Net loans and leases to core deposits | 76.9251% | 3,601 |
| Total domestic deposits to total assets | 89.6575% | 575 |
| Equity capital to assets | 9.8664% | 3,950 |
| Core capital (leverage) ratio | 9.5979% | 4,025 |
| Tier 1 risk-based capital ratio | 13.4344% | 3,640 |
| Total risk-based capital ratio | 14.6868% | 3,546 |
| Memoranda: | ||
| Average total assets | $1,164,276,500 | 685 |
| Average earning assets | $1,074,635,000 | 679 |
| Average equity | $111,205,000 | 798 |
| Average total loans | $770,011,500 | 741 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4612% | 2,575 |
| Cost of funding earning assets | 0.4350% | 3,770 |
| Net interest margin | 4.0262% | 1,904 |
| Noninterest income to average assets | 1.2877% | 564 |
| Noninterest expense to average assets | 3.5569% | 924 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1082% | 2,563 |
| Return on assets (ROA) | 1.1082% | 2,564 |
| Pretax return on assets | 1.4422% | 1,980 |
| Return on Equity (ROE) | 11.9633% | 1,729 |
| Retained earnings to average equity (ytd only) | 9.1213% | 818 |
| Net charge-offs to loans | -0.2087% | 5,272 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9961% | 2,043 |
| Assets per employee ($millions) | 3.7309% | 4,281 |
| Cash dividends to net income (ytd only)* | 23.7555% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6105% | 1,010 |
| Loan loss allowance to noncurrent loans | 34.6857% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 3.3467% | 167 |
| Noncurrent loans to loans | 4.6432% | 129 |
| Net loans and leases to total assets | 64.3359% | 3,319 |
| Net loans and leases to deposits | 71.1641% | 3,736 |
| Net loans and leases to core deposits | 75.9141% | 3,727 |
| Total domestic deposits to total assets | 90.4050% | 349 |
| Equity capital to assets | 9.2403% | 4,377 |
| Core capital (leverage) ratio | 9.5649% | 4,045 |
| Tier 1 risk-based capital ratio | 13.1871% | 3,732 |
| Total risk-based capital ratio | 14.4401% | 3,617 |
| Memoranda: | ||
| Average total assets | $1,122,120,800 | 685 |
| Average earning assets | $1,034,403,200 | 681 |
| Average equity | $103,943,200 | 824 |
| Average total loans | $722,050,600 | 760 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4446% | 2,480 |
| Cost of funding earning assets | 0.4113% | 3,780 |
| Net interest margin | 4.0333% | 1,845 |
| Noninterest income to average assets | 1.2944% | 576 |
| Noninterest expense to average assets | 3.5868% | 872 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1183% | 2,586 |
| Return on assets (ROA) | 1.1183% | 2,601 |
| Pretax return on assets | 1.4210% | 2,150 |
| Return on Equity (ROE) | 12.0645% | 1,770 |
| Retained earnings to average equity (ytd only) | 11.0924% | 633 |
| Net charge-offs to loans | -0.3776% | 5,382 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4680% | 1,967 |
| Assets per employee ($millions) | 3.6036% | 4,434 |
| Cash dividends to net income (ytd only)* | 8.0576% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7192% | 838 |
| Loan loss allowance to noncurrent loans | 36.2569% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 3.4959% | 163 |
| Noncurrent loans to loans | 4.7417% | 142 |
| Net loans and leases to total assets | 65.7264% | 3,212 |
| Net loans and leases to deposits | 73.7022% | 3,619 |
| Net loans and leases to core deposits | 79.0537% | 3,566 |
| Total domestic deposits to total assets | 89.1784% | 784 |
| Equity capital to assets | 9.4727% | 4,106 |
| Core capital (leverage) ratio | 9.6842% | 3,960 |
| Tier 1 risk-based capital ratio | 13.3078% | 3,725 |
| Total risk-based capital ratio | 14.5604% | 3,647 |
| Memoranda: | ||
| Average total assets | $1,109,777,000 | 688 |
| Average earning assets | $1,021,761,750 | 687 |
| Average equity | $102,866,500 | 830 |
| Average total loans | $711,055,750 | 769 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2642% | 2,894 |
| Cost of funding earning assets | 0.3807% | 3,867 |
| Net interest margin | 3.8835% | 2,265 |
| Noninterest income to average assets | 1.2708% | 598 |
| Noninterest expense to average assets | 3.5514% | 927 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0272% | 2,906 |
| Return on assets (ROA) | 1.0272% | 2,912 |
| Pretax return on assets | 1.3013% | 2,508 |
| Return on Equity (ROE) | 11.1640% | 2,044 |
| Retained earnings to average equity (ytd only) | 9.6917% | 1,011 |
| Net charge-offs to loans | -0.2947% | 5,383 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0237% | 1,846 |
| Assets per employee ($millions) | 3.5707% | 4,503 |
| Cash dividends to net income (ytd only)* | 13.1880% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6221% | 1,054 |
| Loan loss allowance to noncurrent loans | 31.8706% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 3.7180% | 166 |
| Noncurrent loans to loans | 5.0895% | 131 |
| Net loans and leases to total assets | 64.3596% | 3,357 |
| Net loans and leases to deposits | 71.1336% | 3,774 |
| Net loans and leases to core deposits | 75.8256% | 3,755 |
| Total domestic deposits to total assets | 90.4772% | 406 |
| Equity capital to assets | 9.2367% | 4,346 |
| Core capital (leverage) ratio | 9.2918% | 4,369 |
| Tier 1 risk-based capital ratio | 13.1026% | 3,848 |
| Total risk-based capital ratio | 14.3556% | 3,762 |
| Memoranda: | ||
| Average total assets | $1,107,327,330 | 690 |
| Average earning assets | $1,021,334,330 | 688 |
| Average equity | $101,881,330 | 839 |
| Average total loans | $699,044,000 | 786 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2661% | 2,650 |
| Cost of funding earning assets | 0.3592% | 3,917 |
| Net interest margin | 3.9070% | 2,020 |
| Noninterest income to average assets | 1.1701% | 671 |
| Noninterest expense to average assets | 3.5069% | 990 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9908% | 2,888 |
| Return on assets (ROA) | 0.9908% | 2,916 |
| Pretax return on assets | 1.2557% | 2,533 |
| Return on Equity (ROE) | 10.7899% | 2,050 |
| Retained earnings to average equity (ytd only) | 10.7899% | 944 |
| Net charge-offs to loans | -0.6255% | 5,510 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4664% | 1,973 |
| Assets per employee ($millions) | 3.6314% | 4,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7203% | 910 |
| Loan loss allowance to noncurrent loans | 48.4407% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 2.6206% | 340 |
| Noncurrent loans to loans | 3.5513% | 292 |
| Net loans and leases to total assets | 60.3813% | 3,713 |
| Net loans and leases to deposits | 66.6025% | 4,046 |
| Net loans and leases to core deposits | 71.0351% | 4,028 |
| Total domestic deposits to total assets | 90.6593% | 424 |
| Equity capital to assets | 9.0273% | 4,528 |
| Core capital (leverage) ratio | 9.1636% | 4,486 |
| Tier 1 risk-based capital ratio | 13.4069% | 3,717 |
| Total risk-based capital ratio | 14.6608% | 3,624 |
| Memoranda: | ||
| Average total assets | $1,102,171,000 | 696 |
| Average earning assets | $1,013,472,000 | 698 |
| Average equity | $101,205,500 | 845 |
| Average total loans | $682,981,500 | 805 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3663% | 2,126 |
| Cost of funding earning assets | 0.3795% | 3,426 |
| Net interest margin | 3.9868% | 1,786 |
| Noninterest income to average assets | 1.3313% | 593 |
| Noninterest expense to average assets | 3.7191% | 775 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7981% | 3,164 |
| Return on assets (ROA) | 0.8418% | 3,017 |
| Pretax return on assets | 1.3309% | 2,244 |
| Return on Equity (ROE) | 8.8882% | 2,364 |
| Retained earnings to average equity (ytd only) | 8.5019% | 619 |
| Net charge-offs to loans | -0.1212% | 5,422 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4830% | 1,828 |
| Assets per employee ($millions) | 3.5715% | 4,609 |
| Cash dividends to net income (ytd only)* | 4.3458% | 4,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6061% | 1,133 |
| Loan loss allowance to noncurrent loans | 69.9387% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 1.8974% | 623 |
| Noncurrent loans to loans | 2.2964% | 617 |
| Net loans and leases to total assets | 61.5146% | 3,675 |
| Net loans and leases to deposits | 68.0247% | 4,026 |
| Net loans and leases to core deposits | 72.6725% | 3,996 |
| Total domestic deposits to total assets | 90.4299% | 415 |
| Equity capital to assets | 9.3443% | 4,384 |
| Core capital (leverage) ratio | 9.4252% | 4,129 |
| Tier 1 risk-based capital ratio | 13.6727% | 3,534 |
| Total risk-based capital ratio | 14.9256% | 3,444 |
| Memoranda: | ||
| Average total assets | $1,025,076,200 | 721 |
| Average earning assets | $938,618,600 | 721 |
| Average equity | $97,084,000 | 850 |
| Average total loans | $670,094,800 | 778 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3873% | 1,991 |
| Cost of funding earning assets | 0.3771% | 3,405 |
| Net interest margin | 4.0102% | 1,666 |
| Noninterest income to average assets | 1.3221% | 602 |
| Noninterest expense to average assets | 3.7329% | 738 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8388% | 3,333 |
| Return on assets (ROA) | 0.9005% | 3,080 |
| Pretax return on assets | 1.3516% | 2,276 |
| Return on Equity (ROE) | 9.4744% | 2,361 |
| Retained earnings to average equity (ytd only) | 8.9545% | 857 |
| Net charge-offs to loans | -0.2031% | 5,548 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6001% | 1,806 |
| Assets per employee ($millions) | 3.4251% | 4,835 |
| Cash dividends to net income (ytd only)* | 5.4881% | 3,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6038% | 1,231 |
| Loan loss allowance to noncurrent loans | 48.6469% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 2.3813% | 477 |
| Noncurrent loans to loans | 3.2969% | 354 |
| Net loans and leases to total assets | 65.8974% | 3,118 |
| Net loans and leases to deposits | 73.3389% | 3,633 |
| Net loans and leases to core deposits | 78.7394% | 3,567 |
| Total domestic deposits to total assets | 89.8533% | 524 |
| Equity capital to assets | 9.7477% | 4,196 |
| Core capital (leverage) ratio | 9.5628% | 4,080 |
| Tier 1 risk-based capital ratio | 13.4022% | 3,762 |
| Total risk-based capital ratio | 14.6554% | 3,684 |
| Memoranda: | ||
| Average total assets | $1,011,696,000 | 728 |
| Average earning assets | $925,957,500 | 735 |
| Average equity | $96,158,250 | 859 |
| Average total loans | $669,037,250 | 782 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3543% | 1,963 |
| Cost of funding earning assets | 0.3799% | 3,290 |
| Net interest margin | 3.9743% | 1,699 |
| Noninterest income to average assets | 1.2913% | 625 |
| Noninterest expense to average assets | 3.7048% | 766 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8191% | 3,302 |
| Return on assets (ROA) | 0.8323% | 3,292 |
| Pretax return on assets | 1.2482% | 2,591 |
| Return on Equity (ROE) | 8.8332% | 2,586 |
| Retained earnings to average equity (ytd only) | 8.0423% | 1,149 |
| Net charge-offs to loans | -0.3567% | 5,663 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9245% | 1,865 |
| Assets per employee ($millions) | 3.5268% | 4,673 |
| Cash dividends to net income (ytd only)* | 8.9542% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6357% | 1,185 |
| Loan loss allowance to noncurrent loans | 57.2363% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 1.9759% | 650 |
| Noncurrent loans to loans | 2.8578% | 471 |
| Net loans and leases to total assets | 65.6279% | 3,160 |
| Net loans and leases to deposits | 72.7574% | 3,669 |
| Net loans and leases to core deposits | 78.0388% | 3,598 |
| Total domestic deposits to total assets | 90.2011% | 469 |
| Equity capital to assets | 9.4939% | 4,406 |
| Core capital (leverage) ratio | 9.2795% | 4,384 |
| Tier 1 risk-based capital ratio | 13.1304% | 3,924 |
| Total risk-based capital ratio | 14.3841% | 3,831 |
| Memoranda: | ||
| Average total assets | $1,006,414,330 | 737 |
| Average earning assets | $922,269,000 | 742 |
| Average equity | $94,823,670 | 866 |
| Average total loans | $662,663,000 | 794 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2336% | 2,154 |
| Cost of funding earning assets | 0.3701% | 3,308 |
| Net interest margin | 3.8635% | 1,909 |
| Noninterest income to average assets | 1.2520% | 657 |
| Noninterest expense to average assets | 3.6485% | 830 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7683% | 3,377 |
| Return on assets (ROA) | 0.7683% | 3,433 |
| Pretax return on assets | 1.1440% | 2,801 |
| Return on Equity (ROE) | 8.1867% | 2,817 |
| Retained earnings to average equity (ytd only) | 6.5827% | 2,038 |
| Net charge-offs to loans | -0.6145% | 5,754 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9444% | 1,916 |
| Assets per employee ($millions) | 3.4844% | 4,806 |
| Cash dividends to net income (ytd only)* | 19.5925% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6721% | 1,206 |
| Loan loss allowance to noncurrent loans | 44.7073% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 2.4521% | 479 |
| Noncurrent loans to loans | 3.7401% | 305 |
| Net loans and leases to total assets | 62.6154% | 3,450 |
| Net loans and leases to deposits | 69.1117% | 3,882 |
| Net loans and leases to core deposits | 73.9776% | 3,831 |
| Total domestic deposits to total assets | 90.6003% | 430 |
| Equity capital to assets | 9.1307% | 4,681 |
| Core capital (leverage) ratio | 9.3057% | 4,333 |
| Tier 1 risk-based capital ratio | 13.3071% | 3,884 |
| Total risk-based capital ratio | 14.5612% | 3,799 |
| Memoranda: | ||
| Average total assets | $996,476,500 | 749 |
| Average earning assets | $913,164,500 | 755 |
| Average equity | $93,518,000 | 874 |
| Average total loans | $651,628,000 | 807 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3785% | 1,885 |
| Cost of funding earning assets | 0.3859% | 3,147 |
| Net interest margin | 3.9926% | 1,650 |
| Noninterest income to average assets | 1.2812% | 692 |
| Noninterest expense to average assets | 3.7799% | 791 |
| Loan and lease loss provision to assets | 0.0695% | 2,964 |
| Net operating income to assets | 0.7190% | 3,697 |
| Return on assets (ROA) | 0.7518% | 3,648 |
| Pretax return on assets | 1.1290% | 2,972 |
| Return on Equity (ROE) | 7.5786% | 3,178 |
| Retained earnings to average equity (ytd only) | 2.9313% | 3,815 |
| Net charge-offs to loans | 0.2323% | 1,194 |
| Credit loss provision to net charge-offs | 45.0763% | 3,440 |
| Earnings coverage of net charge-offs (x) | 7.4584% | 3,015 |
| Efficiency ratio | 76.5068% | 1,916 |
| Assets per employee ($millions) | 3.3267% | 5,008 |
| Cash dividends to net income (ytd only)* | 61.3220% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5550% | 1,487 |
| Loan loss allowance to noncurrent loans | 41.8253% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 2.5780% | 455 |
| Noncurrent loans to loans | 3.7178% | 306 |
| Net loans and leases to total assets | 66.1979% | 3,045 |
| Net loans and leases to deposits | 73.5590% | 3,559 |
| Net loans and leases to core deposits | 77.2307% | 3,631 |
| Total domestic deposits to total assets | 89.9929% | 628 |
| Equity capital to assets | 9.6594% | 4,105 |
| Core capital (leverage) ratio | 9.5305% | 4,043 |
| Tier 1 risk-based capital ratio | 13.3465% | 3,862 |
| Total risk-based capital ratio | 14.5992% | 3,772 |
| Memoranda: | ||
| Average total assets | $935,718,600 | 769 |
| Average earning assets | $854,971,800 | 766 |
| Average equity | $92,827,000 | 860 |
| Average total loans | $620,765,200 | 802 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3900% | 1,889 |
| Cost of funding earning assets | 0.3843% | 3,183 |
| Net interest margin | 4.0057% | 1,631 |
| Noninterest income to average assets | 1.2438% | 752 |
| Noninterest expense to average assets | 3.7808% | 760 |
| Loan and lease loss provision to assets | 0.0502% | 3,241 |
| Net operating income to assets | 0.7264% | 3,716 |
| Return on assets (ROA) | 0.7705% | 3,653 |
| Pretax return on assets | 1.1419% | 3,077 |
| Return on Equity (ROE) | 7.7144% | 3,177 |
| Retained earnings to average equity (ytd only) | 3.9268% | 3,507 |
| Net charge-offs to loans | 0.1418% | 1,574 |
| Credit loss provision to net charge-offs | 53.5168% | 2,986 |
| Earnings coverage of net charge-offs (x) | 12.0137% | 2,426 |
| Efficiency ratio | 76.8754% | 1,851 |
| Assets per employee ($millions) | 3.2535% | 5,104 |
| Cash dividends to net income (ytd only)* | 49.0977% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6337% | 1,373 |
| Loan loss allowance to noncurrent loans | 43.3273% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 2.7003% | 476 |
| Noncurrent loans to loans | 3.7706% | 317 |
| Net loans and leases to total assets | 67.0431% | 2,950 |
| Net loans and leases to deposits | 75.6904% | 3,436 |
| Net loans and leases to core deposits | 79.6218% | 3,486 |
| Total domestic deposits to total assets | 88.5754% | 1,119 |
| Equity capital to assets | 10.1001% | 4,040 |
| Core capital (leverage) ratio | 9.7016% | 3,935 |
| Tier 1 risk-based capital ratio | 13.4621% | 3,881 |
| Total risk-based capital ratio | 14.7159% | 3,792 |
| Memoranda: | ||
| Average total assets | $930,123,500 | 770 |
| Average earning assets | $850,603,000 | 773 |
| Average equity | $92,897,000 | 860 |
| Average total loans | $614,891,750 | 805 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3278% | 2,061 |
| Cost of funding earning assets | 0.3748% | 3,304 |
| Net interest margin | 3.9530% | 1,796 |
| Noninterest income to average assets | 1.1235% | 888 |
| Noninterest expense to average assets | 3.7429% | 826 |
| Loan and lease loss provision to assets | 0.0216% | 3,696 |
| Net operating income to assets | 0.6542% | 4,027 |
| Return on assets (ROA) | 0.7126% | 3,884 |
| Pretax return on assets | 1.0604% | 3,363 |
| Return on Equity (ROE) | 7.1620% | 3,454 |
| Retained earnings to average equity (ytd only) | 2.2455% | 4,448 |
| Net charge-offs to loans | 0.1879% | 1,224 |
| Credit loss provision to net charge-offs | 17.5747% | 2,946 |
| Earnings coverage of net charge-offs (x) | 8.0931% | 2,552 |
| Efficiency ratio | 78.8262% | 1,672 |
| Assets per employee ($millions) | 3.2391% | 5,152 |
| Cash dividends to net income (ytd only)* | 68.6477% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6320% | 1,441 |
| Loan loss allowance to noncurrent loans | 47.0388% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 2.5260% | 542 |
| Noncurrent loans to loans | 3.4696% | 383 |
| Net loans and leases to total assets | 66.5834% | 3,002 |
| Net loans and leases to deposits | 76.0116% | 3,378 |
| Net loans and leases to core deposits | 78.7933% | 3,574 |
| Total domestic deposits to total assets | 87.5964% | 1,625 |
| Equity capital to assets | 10.0120% | 4,214 |
| Core capital (leverage) ratio | 9.6562% | 3,993 |
| Tier 1 risk-based capital ratio | 13.4791% | 3,925 |
| Total risk-based capital ratio | 14.7328% | 3,827 |
| Memoranda: | ||
| Average total assets | $925,655,000 | 778 |
| Average earning assets | $846,346,670 | 777 |
| Average equity | $92,097,000 | 867 |
| Average total loans | $605,496,670 | 816 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3578% | 1,940 |
| Cost of funding earning assets | 0.3689% | 3,412 |
| Net interest margin | 3.9890% | 1,647 |
| Noninterest income to average assets | 1.1599% | 821 |
| Noninterest expense to average assets | 3.7130% | 882 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7328% | 3,570 |
| Return on assets (ROA) | 0.7331% | 3,676 |
| Pretax return on assets | 1.0895% | 3,133 |
| Return on Equity (ROE) | 7.3923% | 3,248 |
| Retained earnings to average equity (ytd only) | -0.8851% | 5,266 |
| Net charge-offs to loans | 0.1197% | 1,397 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 14.1582% | 1,711 |
| Efficiency ratio | 77.1584% | 2,016 |
| Assets per employee ($millions) | 3.2909% | 5,144 |
| Cash dividends to net income (ytd only)* | 111.9739% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7725% | 1,209 |
| Loan loss allowance to noncurrent loans | 51.6893% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 2.4117% | 634 |
| Noncurrent loans to loans | 3.4291% | 408 |
| Net loans and leases to total assets | 61.9582% | 3,534 |
| Net loans and leases to deposits | 68.7336% | 3,979 |
| Net loans and leases to core deposits | 71.1527% | 4,143 |
| Total domestic deposits to total assets | 90.1424% | 541 |
| Equity capital to assets | 9.6383% | 4,518 |
| Core capital (leverage) ratio | 9.8812% | 3,681 |
| Tier 1 risk-based capital ratio | 13.8034% | 3,811 |
| Total risk-based capital ratio | 15.0584% | 3,746 |
| Memoranda: | ||
| Average total assets | $920,434,000 | 786 |
| Average earning assets | $840,417,000 | 787 |
| Average equity | $91,284,500 | 873 |
| Average total loans | $591,432,000 | 834 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4713% | 1,687 |
| Cost of funding earning assets | 0.4633% | 2,506 |
| Net interest margin | 4.0080% | 1,692 |
| Noninterest income to average assets | 1.2615% | 752 |
| Noninterest expense to average assets | 3.7834% | 880 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7446% | 3,599 |
| Return on assets (ROA) | 0.7541% | 3,648 |
| Pretax return on assets | 1.1280% | 2,932 |
| Return on Equity (ROE) | 7.1642% | 3,421 |
| Retained earnings to average equity (ytd only) | 3.9899% | 3,189 |
| Net charge-offs to loans | 0.1605% | 1,770 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 10.6909% | 2,661 |
| Efficiency ratio | 77.2309% | 2,083 |
| Assets per employee ($millions) | 3.1221% | 5,388 |
| Cash dividends to net income (ytd only)* | 44.3084% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8543% | 1,046 |
| Loan loss allowance to noncurrent loans | 60.9289% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 2.2829% | 718 |
| Noncurrent loans to loans | 3.0434% | 521 |
| Net loans and leases to total assets | 64.3017% | 3,230 |
| Net loans and leases to deposits | 71.7717% | 3,744 |
| Net loans and leases to core deposits | 74.5211% | 3,886 |
| Total domestic deposits to total assets | 89.5921% | 803 |
| Equity capital to assets | 10.2160% | 3,727 |
| Core capital (leverage) ratio | 10.2585% | 3,197 |
| Tier 1 risk-based capital ratio | 14.2827% | 3,558 |
| Total risk-based capital ratio | 15.5387% | 3,474 |
| Memoranda: | ||
| Average total assets | $844,611,200 | 820 |
| Average earning assets | $766,173,200 | 824 |
| Average equity | $88,899,800 | 857 |
| Average total loans | $548,455,600 | 855 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4117% | 1,892 |
| Cost of funding earning assets | 0.4868% | 2,347 |
| Net interest margin | 3.9249% | 1,950 |
| Noninterest income to average assets | 1.2194% | 808 |
| Noninterest expense to average assets | 3.6805% | 1,007 |
| Loan and lease loss provision to assets | 0.0216% | 3,843 |
| Net operating income to assets | 0.7334% | 3,750 |
| Return on assets (ROA) | 0.7394% | 3,825 |
| Pretax return on assets | 1.0826% | 3,303 |
| Return on Equity (ROE) | 6.9697% | 3,635 |
| Retained earnings to average equity (ytd only) | 3.2639% | 4,139 |
| Net charge-offs to loans | 0.1092% | 2,035 |
| Credit loss provision to net charge-offs | 30.5430% | 3,265 |
| Earnings coverage of net charge-offs (x) | 15.4886% | 2,178 |
| Efficiency ratio | 77.0646% | 2,079 |
| Assets per employee ($millions) | 2.9474% | 5,603 |
| Cash dividends to net income (ytd only)* | 53.1703% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1016% | 776 |
| Loan loss allowance to noncurrent loans | 55.2037% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 2.9046% | 541 |
| Noncurrent loans to loans | 3.8070% | 373 |
| Net loans and leases to total assets | 66.1402% | 2,984 |
| Net loans and leases to deposits | 75.3107% | 3,387 |
| Net loans and leases to core deposits | 78.5363% | 3,559 |
| Total domestic deposits to total assets | 87.8231% | 1,650 |
| Equity capital to assets | 11.2386% | 2,761 |
| Core capital (leverage) ratio | 10.8652% | 2,627 |
| Tier 1 risk-based capital ratio | 15.3763% | 3,105 |
| Total risk-based capital ratio | 16.6354% | 3,032 |
| Memoranda: | ||
| Average total assets | $833,316,250 | 839 |
| Average earning assets | $755,096,000 | 847 |
| Average equity | $88,399,500 | 870 |
| Average total loans | $539,829,250 | 877 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3335% | 2,075 |
| Cost of funding earning assets | 0.5118% | 2,148 |
| Net interest margin | 3.8217% | 2,234 |
| Noninterest income to average assets | 1.1381% | 929 |
| Noninterest expense to average assets | 3.5489% | 1,217 |
| Loan and lease loss provision to assets | 0.0320% | 3,478 |
| Net operating income to assets | 0.6930% | 3,922 |
| Return on assets (ROA) | 0.6930% | 4,036 |
| Pretax return on assets | 1.0203% | 3,497 |
| Return on Equity (ROE) | 6.6581% | 3,806 |
| Retained earnings to average equity (ytd only) | 1.8945% | 4,749 |
| Net charge-offs to loans | 0.1621% | 1,502 |
| Credit loss provision to net charge-offs | 30.8924% | 2,918 |
| Earnings coverage of net charge-offs (x) | 10.1602% | 2,388 |
| Efficiency ratio | 77.1299% | 2,181 |
| Assets per employee ($millions) | 3.0515% | 5,529 |
| Cash dividends to net income (ytd only)* | 71.5458% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0751% | 888 |
| Loan loss allowance to noncurrent loans | 54.6764% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 3.0244% | 553 |
| Noncurrent loans to loans | 3.7952% | 433 |
| Net loans and leases to total assets | 65.4699% | 3,054 |
| Net loans and leases to deposits | 73.5878% | 3,541 |
| Net loans and leases to core deposits | 77.5883% | 3,619 |
| Total domestic deposits to total assets | 88.9685% | 1,160 |
| Equity capital to assets | 10.6908% | 3,223 |
| Core capital (leverage) ratio | 10.4355% | 3,041 |
| Tier 1 risk-based capital ratio | 15.0108% | 3,353 |
| Total risk-based capital ratio | 16.2697% | 3,279 |
| Memoranda: | ||
| Average total assets | $843,855,330 | 828 |
| Average earning assets | $764,693,330 | 839 |
| Average equity | $87,832,670 | 880 |
| Average total loans | $539,229,670 | 877 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3160% | 2,042 |
| Cost of funding earning assets | 0.5345% | 1,974 |
| Net interest margin | 3.7815% | 2,293 |
| Noninterest income to average assets | 1.0718% | 982 |
| Noninterest expense to average assets | 3.4329% | 1,432 |
| Loan and lease loss provision to assets | 0.0164% | 3,514 |
| Net operating income to assets | 0.7337% | 3,626 |
| Return on assets (ROA) | 0.7337% | 3,758 |
| Pretax return on assets | 1.0564% | 3,277 |
| Return on Equity (ROE) | 7.1422% | 3,430 |
| Retained earnings to average equity (ytd only) | -0.7192% | 5,503 |
| Net charge-offs to loans | 0.2193% | 1,068 |
| Credit loss provision to net charge-offs | 11.9454% | 2,422 |
| Earnings coverage of net charge-offs (x) | 7.8294% | 2,135 |
| Efficiency ratio | 76.1910% | 2,487 |
| Assets per employee ($millions) | 3.2262% | 5,369 |
| Cash dividends to net income (ytd only)* | 110.0701% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1566% | 849 |
| Loan loss allowance to noncurrent loans | 51.6141% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 3.0035% | 631 |
| Noncurrent loans to loans | 4.1783% | 397 |
| Net loans and leases to total assets | 59.7641% | 3,687 |
| Net loans and leases to deposits | 68.0096% | 3,955 |
| Net loans and leases to core deposits | 71.9106% | 3,974 |
| Total domestic deposits to total assets | 87.8760% | 1,896 |
| Equity capital to assets | 10.1342% | 3,966 |
| Core capital (leverage) ratio | 10.0255% | 3,568 |
| Tier 1 risk-based capital ratio | 15.0937% | 3,385 |
| Total risk-based capital ratio | 16.3530% | 3,297 |
| Memoranda: | ||
| Average total assets | $855,360,000 | 818 |
| Average earning assets | $776,730,500 | 825 |
| Average equity | $87,871,500 | 878 |
| Average total loans | $534,447,000 | 879 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5955% | 1,568 |
| Cost of funding earning assets | 0.6053% | 1,718 |
| Net interest margin | 3.9902% | 1,926 |
| Noninterest income to average assets | 1.0524% | 1,098 |
| Noninterest expense to average assets | 3.4938% | 1,498 |
| Loan and lease loss provision to assets | 0.1750% | 1,478 |
| Net operating income to assets | 0.6973% | 3,904 |
| Return on assets (ROA) | 0.6867% | 4,077 |
| Pretax return on assets | 0.9915% | 3,531 |
| Return on Equity (ROE) | 6.7443% | 3,766 |
| Retained earnings to average equity (ytd only) | 2.8796% | 4,186 |
| Net charge-offs to loans | 0.3651% | 1,193 |
| Credit loss provision to net charge-offs | 75.3638% | 2,960 |
| Earnings coverage of net charge-offs (x) | 5.0889% | 3,502 |
| Efficiency ratio | 74.7225% | 2,713 |
| Assets per employee ($millions) | 3.2294% | 5,390 |
| Cash dividends to net income (ytd only)* | 57.3036% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1697% | 861 |
| Loan loss allowance to noncurrent loans | 47.8490% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 3.3259% | 570 |
| Noncurrent loans to loans | 4.5344% | 364 |
| Net loans and leases to total assets | 62.5375% | 3,434 |
| Net loans and leases to deposits | 71.3922% | 3,747 |
| Net loans and leases to core deposits | 76.0404% | 3,705 |
| Total domestic deposits to total assets | 87.5971% | 1,983 |
| Equity capital to assets | 10.4160% | 3,591 |
| Core capital (leverage) ratio | 10.4234% | 3,035 |
| Tier 1 risk-based capital ratio | 15.1971% | 3,379 |
| Total risk-based capital ratio | 16.4575% | 3,327 |
| Memoranda: | ||
| Average total assets | $828,421,000 | 814 |
| Average earning assets | $752,236,400 | 815 |
| Average equity | $84,353,000 | 876 |
| Average total loans | $527,028,800 | 840 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5902% | 1,592 |
| Cost of funding earning assets | 0.6163% | 1,711 |
| Net interest margin | 3.9740% | 1,952 |
| Noninterest income to average assets | 1.0252% | 1,173 |
| Noninterest expense to average assets | 3.4616% | 1,547 |
| Loan and lease loss provision to assets | 0.2344% | 941 |
| Net operating income to assets | 0.6461% | 4,230 |
| Return on assets (ROA) | 0.6461% | 4,329 |
| Pretax return on assets | 0.9411% | 3,823 |
| Return on Equity (ROE) | 6.3828% | 4,038 |
| Retained earnings to average equity (ytd only) | 1.7598% | 5,174 |
| Net charge-offs to loans | 0.4048% | 976 |
| Credit loss provision to net charge-offs | 91.1376% | 2,407 |
| Earnings coverage of net charge-offs (x) | 4.5707% | 3,422 |
| Efficiency ratio | 74.6497% | 2,709 |
| Assets per employee ($millions) | 3.1313% | 5,541 |
| Cash dividends to net income (ytd only)* | 72.4293% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2362% | 892 |
| Loan loss allowance to noncurrent loans | 42.5849% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 3.9384% | 513 |
| Noncurrent loans to loans | 5.2512% | 318 |
| Net loans and leases to total assets | 65.0636% | 3,015 |
| Net loans and leases to deposits | 74.5352% | 3,366 |
| Net loans and leases to core deposits | 79.4600% | 3,376 |
| Total domestic deposits to total assets | 87.2924% | 2,159 |
| Equity capital to assets | 10.5892% | 3,446 |
| Core capital (leverage) ratio | 10.3307% | 3,247 |
| Tier 1 risk-based capital ratio | 15.0077% | 3,582 |
| Total risk-based capital ratio | 16.2688% | 3,510 |
| Memoranda: | ||
| Average total assets | $824,810,250 | 821 |
| Average earning assets | $749,658,500 | 823 |
| Average equity | $83,493,000 | 886 |
| Average total loans | $524,087,000 | 846 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4736% | 1,918 |
| Cost of funding earning assets | 0.6183% | 1,743 |
| Net interest margin | 3.8553% | 2,360 |
| Noninterest income to average assets | 0.9474% | 1,338 |
| Noninterest expense to average assets | 3.3557% | 1,792 |
| Loan and lease loss provision to assets | 0.1927% | 1,270 |
| Net operating income to assets | 0.6262% | 4,213 |
| Return on assets (ROA) | 0.6262% | 4,312 |
| Pretax return on assets | 0.9127% | 3,834 |
| Return on Equity (ROE) | 6.2795% | 4,008 |
| Retained earnings to average equity (ytd only) | 0.1691% | 5,637 |
| Net charge-offs to loans | 0.3599% | 1,137 |
| Credit loss provision to net charge-offs | 85.5615% | 2,255 |
| Earnings coverage of net charge-offs (x) | 4.9091% | 3,024 |
| Efficiency ratio | 75.2213% | 2,773 |
| Assets per employee ($millions) | 3.1273% | 5,553 |
| Cash dividends to net income (ytd only)* | 97.3077% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2809% | 921 |
| Loan loss allowance to noncurrent loans | 41.0070% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 3.9337% | 551 |
| Noncurrent loans to loans | 5.5622% | 313 |
| Net loans and leases to total assets | 62.8976% | 3,259 |
| Net loans and leases to deposits | 71.8628% | 3,588 |
| Net loans and leases to core deposits | 77.0175% | 3,535 |
| Total domestic deposits to total assets | 87.5246% | 2,188 |
| Equity capital to assets | 10.3436% | 3,628 |
| Core capital (leverage) ratio | 10.0554% | 3,531 |
| Tier 1 risk-based capital ratio | 15.0620% | 3,601 |
| Total risk-based capital ratio | 16.3235% | 3,539 |
| Memoranda: | ||
| Average total assets | $830,459,000 | 818 |
| Average earning assets | $756,881,330 | 811 |
| Average equity | $82,808,670 | 887 |
| Average total loans | $519,566,670 | 849 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4389% | 1,993 |
| Cost of funding earning assets | 0.6209% | 1,804 |
| Net interest margin | 3.8180% | 2,392 |
| Noninterest income to average assets | 0.9129% | 1,349 |
| Noninterest expense to average assets | 3.2889% | 1,971 |
| Loan and lease loss provision to assets | 0.2033% | 1,144 |
| Net operating income to assets | 0.6478% | 3,958 |
| Return on assets (ROA) | 0.6478% | 4,053 |
| Pretax return on assets | 0.9186% | 3,631 |
| Return on Equity (ROE) | 6.6180% | 3,673 |
| Retained earnings to average equity (ytd only) | -3.9639% | 6,058 |
| Net charge-offs to loans | 0.4398% | 825 |
| Credit loss provision to net charge-offs | 74.9559% | 1,955 |
| Earnings coverage of net charge-offs (x) | 4.1358% | 2,566 |
| Efficiency ratio | 74.5634% | 3,037 |
| Assets per employee ($millions) | 3.1891% | 5,542 |
| Cash dividends to net income (ytd only)* | 159.8966% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3587% | 956 |
| Loan loss allowance to noncurrent loans | 35.7436% | 5,699 |
| Noncurrent assets plus other real estate owned to assets | 4.6756% | 458 |
| Noncurrent loans to loans | 6.5988% | 247 |
| Net loans and leases to total assets | 59.5622% | 3,625 |
| Net loans and leases to deposits | 67.6463% | 3,895 |
| Net loans and leases to core deposits | 72.5961% | 3,808 |
| Total domestic deposits to total assets | 88.0494% | 2,210 |
| Equity capital to assets | 9.8460% | 4,039 |
| Core capital (leverage) ratio | 9.8113% | 3,845 |
| Tier 1 risk-based capital ratio | 15.4678% | 3,454 |
| Total risk-based capital ratio | 16.7303% | 3,409 |
| Memoranda: | ||
| Average total assets | $836,015,500 | 815 |
| Average earning assets | $765,952,000 | 810 |
| Average equity | $81,838,000 | 899 |
| Average total loans | $515,661,000 | 854 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4505% | 2,393 |
| Cost of funding earning assets | 0.7124% | 1,728 |
| Net interest margin | 3.7381% | 2,904 |
| Noninterest income to average assets | 1.1136% | 1,132 |
| Noninterest expense to average assets | 3.3458% | 2,015 |
| Loan and lease loss provision to assets | 0.2746% | 1,278 |
| Net operating income to assets | 0.5890% | 4,314 |
| Return on assets (ROA) | 0.5978% | 4,387 |
| Pretax return on assets | 0.9125% | 3,714 |
| Return on Equity (ROE) | 6.0947% | 4,036 |
| Retained earnings to average equity (ytd only) | 4.0475% | 3,311 |
| Net charge-offs to loans | 0.7780% | 809 |
| Credit loss provision to net charge-offs | 57.0972% | 3,649 |
| Earnings coverage of net charge-offs (x) | 2.4401% | 4,195 |
| Efficiency ratio | 74.0303% | 3,124 |
| Assets per employee ($millions) | 3.1565% | 5,576 |
| Cash dividends to net income (ytd only)* | 33.5902% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3319% | 1,007 |
| Loan loss allowance to noncurrent loans | 36.6408% | 5,732 |
| Noncurrent assets plus other real estate owned to assets | 4.8054% | 502 |
| Noncurrent loans to loans | 6.3644% | 294 |
| Net loans and leases to total assets | 60.9057% | 3,555 |
| Net loans and leases to deposits | 69.0274% | 3,903 |
| Net loans and leases to core deposits | 74.9554% | 3,736 |
| Total domestic deposits to total assets | 88.2341% | 2,035 |
| Equity capital to assets | 9.7322% | 4,128 |
| Core capital (leverage) ratio | 10.0151% | 3,543 |
| Tier 1 risk-based capital ratio | 15.1201% | 3,596 |
| Total risk-based capital ratio | 16.3820% | 3,534 |
| Memoranda: | ||
| Average total assets | $846,549,800 | 782 |
| Average earning assets | $771,335,800 | 781 |
| Average equity | $83,039,800 | 858 |
| Average total loans | $523,371,200 | 814 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4515% | 2,411 |
| Cost of funding earning assets | 0.7234% | 1,785 |
| Net interest margin | 3.7281% | 2,929 |
| Noninterest income to average assets | 1.0898% | 1,232 |
| Noninterest expense to average assets | 3.2680% | 2,156 |
| Loan and lease loss provision to assets | 0.2709% | 1,297 |
| Net operating income to assets | 0.6520% | 4,106 |
| Return on assets (ROA) | 0.6644% | 4,184 |
| Pretax return on assets | 0.9598% | 3,649 |
| Return on Equity (ROE) | 6.7601% | 3,785 |
| Retained earnings to average equity (ytd only) | 6.7601% | 1,998 |
| Net charge-offs to loans | 0.6389% | 961 |
| Credit loss provision to net charge-offs | 68.7251% | 3,094 |
| Earnings coverage of net charge-offs (x) | 3.0769% | 3,810 |
| Efficiency ratio | 72.9340% | 3,233 |
| Assets per employee ($millions) | 3.1539% | 5,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5529% | 880 |
| Loan loss allowance to noncurrent loans | 39.0527% | 5,662 |
| Noncurrent assets plus other real estate owned to assets | 5.2100% | 521 |
| Noncurrent loans to loans | 6.5369% | 346 |
| Net loans and leases to total assets | 60.1761% | 3,671 |
| Net loans and leases to deposits | 68.5612% | 3,989 |
| Net loans and leases to core deposits | 75.0631% | 3,724 |
| Total domestic deposits to total assets | 87.7699% | 2,265 |
| Equity capital to assets | 10.1153% | 3,748 |
| Core capital (leverage) ratio | 10.1035% | 3,515 |
| Tier 1 risk-based capital ratio | 15.4698% | 3,484 |
| Total risk-based capital ratio | 16.7341% | 3,435 |
| Memoranda: | ||
| Average total assets | $849,068,750 | 784 |
| Average earning assets | $772,282,750 | 784 |
| Average equity | $83,448,000 | 860 |
| Average total loans | $523,808,000 | 817 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3912% | 2,600 |
| Cost of funding earning assets | 0.7309% | 1,836 |
| Net interest margin | 3.6602% | 3,134 |
| Noninterest income to average assets | 1.0483% | 1,386 |
| Noninterest expense to average assets | 3.2258% | 2,290 |
| Loan and lease loss provision to assets | 0.3686% | 891 |
| Net operating income to assets | 0.5443% | 4,578 |
| Return on assets (ROA) | 0.5584% | 4,682 |
| Pretax return on assets | 0.8002% | 4,311 |
| Return on Equity (ROE) | 5.7363% | 4,323 |
| Retained earnings to average equity (ytd only) | 5.7363% | 2,591 |
| Net charge-offs to loans | 0.7146% | 914 |
| Credit loss provision to net charge-offs | 83.6431% | 2,556 |
| Earnings coverage of net charge-offs (x) | 2.6065% | 3,652 |
| Efficiency ratio | 73.7414% | 3,178 |
| Assets per employee ($millions) | 3.0459% | 5,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6193% | 862 |
| Loan loss allowance to noncurrent loans | 37.5981% | 5,729 |
| Noncurrent assets plus other real estate owned to assets | 5.4602% | 539 |
| Noncurrent loans to loans | 6.9666% | 349 |
| Net loans and leases to total assets | 59.9422% | 3,663 |
| Net loans and leases to deposits | 67.8409% | 4,039 |
| Net loans and leases to core deposits | 74.2071% | 3,781 |
| Total domestic deposits to total assets | 88.3570% | 2,008 |
| Equity capital to assets | 9.5523% | 4,513 |
| Core capital (leverage) ratio | 9.5695% | 4,125 |
| Tier 1 risk-based capital ratio | 15.0095% | 3,773 |
| Total risk-based capital ratio | 16.2695% | 3,730 |
| Memoranda: | ||
| Average total assets | $854,548,670 | 777 |
| Average earning assets | $776,560,330 | 782 |
| Average equity | $83,189,670 | 862 |
| Average total loans | $527,020,670 | 789 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3009% | 2,885 |
| Cost of funding earning assets | 0.7402% | 1,923 |
| Net interest margin | 3.5607% | 3,429 |
| Noninterest income to average assets | 1.1586% | 1,115 |
| Noninterest expense to average assets | 3.1480% | 2,518 |
| Loan and lease loss provision to assets | 0.4419% | 651 |
| Net operating income to assets | 0.5616% | 4,402 |
| Return on assets (ROA) | 0.5661% | 4,532 |
| Pretax return on assets | 0.8196% | 4,089 |
| Return on Equity (ROE) | 5.7618% | 4,171 |
| Retained earnings to average equity (ytd only) | 5.7618% | 2,807 |
| Net charge-offs to loans | 0.7143% | 858 |
| Credit loss provision to net charge-offs | 100.2110% | 1,813 |
| Earnings coverage of net charge-offs (x) | 2.8460% | 2,923 |
| Efficiency ratio | 71.4980% | 3,710 |
| Assets per employee ($millions) | 3.1909% | 5,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6978% | 916 |
| Loan loss allowance to noncurrent loans | 37.0450% | 5,726 |
| Noncurrent assets plus other real estate owned to assets | 5.7348% | 586 |
| Noncurrent loans to loans | 7.2824% | 390 |
| Net loans and leases to total assets | 57.8168% | 3,799 |
| Net loans and leases to deposits | 65.5834% | 4,110 |
| Net loans and leases to core deposits | 71.8473% | 3,837 |
| Total domestic deposits to total assets | 88.1576% | 2,221 |
| Equity capital to assets | 9.7544% | 4,493 |
| Core capital (leverage) ratio | 9.3939% | 4,256 |
| Tier 1 risk-based capital ratio | 15.0184% | 3,827 |
| Total risk-based capital ratio | 16.2800% | 3,774 |
| Memoranda: | ||
| Average total assets | $859,972,500 | 777 |
| Average earning assets | $783,556,000 | 780 |
| Average equity | $84,488,000 | 855 |
| Average total loans | $530,863,000 | 790 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0054% | 1,545 |
| Cost of funding earning assets | 1.0186% | 1,262 |
| Net interest margin | 3.9869% | 2,448 |
| Noninterest income to average assets | 1.0780% | 1,339 |
| Noninterest expense to average assets | 3.2822% | 2,388 |
| Loan and lease loss provision to assets | 0.8016% | 605 |
| Net operating income to assets | 0.4007% | 5,100 |
| Return on assets (ROA) | 0.5089% | 4,911 |
| Pretax return on assets | 0.7261% | 4,572 |
| Return on Equity (ROE) | 5.2838% | 4,547 |
| Retained earnings to average equity (ytd only) | 5.2838% | 2,513 |
| Net charge-offs to loans | 1.8271% | 438 |
| Credit loss provision to net charge-offs | 68.6231% | 4,213 |
| Earnings coverage of net charge-offs (x) | 1.1754% | 4,873 |
| Efficiency ratio | 70.5048% | 3,711 |
| Assets per employee ($millions) | 3.2273% | 5,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5478% | 1,077 |
| Loan loss allowance to noncurrent loans | 45.2920% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 4.9341% | 790 |
| Noncurrent loans to loans | 5.6253% | 649 |
| Net loans and leases to total assets | 62.4511% | 3,174 |
| Net loans and leases to deposits | 71.0565% | 3,552 |
| Net loans and leases to core deposits | 77.7401% | 3,295 |
| Total domestic deposits to total assets | 87.8895% | 2,298 |
| Equity capital to assets | 9.8959% | 4,317 |
| Core capital (leverage) ratio | 9.5797% | 3,996 |
| Tier 1 risk-based capital ratio | 14.3298% | 4,146 |
| Total risk-based capital ratio | 15.5953% | 4,090 |
| Memoranda: | ||
| Average total assets | $856,111,600 | 763 |
| Average earning assets | $768,148,600 | 776 |
| Average equity | $82,459,600 | 853 |
| Average total loans | $547,362,000 | 759 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1373% | 1,337 |
| Cost of funding earning assets | 1.0751% | 1,168 |
| Net interest margin | 4.0622% | 2,246 |
| Noninterest income to average assets | 1.0679% | 1,323 |
| Noninterest expense to average assets | 3.1912% | 2,592 |
| Loan and lease loss provision to assets | 0.8887% | 500 |
| Net operating income to assets | 0.4331% | 5,107 |
| Return on assets (ROA) | 0.5619% | 4,827 |
| Pretax return on assets | 0.8092% | 4,451 |
| Return on Equity (ROE) | 5.8733% | 4,394 |
| Retained earnings to average equity (ytd only) | 5.8733% | 2,781 |
| Net charge-offs to loans | 1.8964% | 398 |
| Credit loss provision to net charge-offs | 73.3376% | 3,814 |
| Earnings coverage of net charge-offs (x) | 1.2471% | 4,661 |
| Efficiency ratio | 67.8630% | 4,097 |
| Assets per employee ($millions) | 3.0640% | 5,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7214% | 960 |
| Loan loss allowance to noncurrent loans | 46.6868% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 5.5305% | 770 |
| Noncurrent loans to loans | 5.8291% | 713 |
| Net loans and leases to total assets | 64.4538% | 2,943 |
| Net loans and leases to deposits | 74.6585% | 3,195 |
| Net loans and leases to core deposits | 82.8021% | 2,861 |
| Total domestic deposits to total assets | 86.3315% | 3,068 |
| Equity capital to assets | 10.2126% | 4,186 |
| Core capital (leverage) ratio | 9.5062% | 4,259 |
| Tier 1 risk-based capital ratio | 14.1812% | 4,391 |
| Total risk-based capital ratio | 15.4490% | 4,352 |
| Memoranda: | ||
| Average total assets | $857,137,000 | 772 |
| Average earning assets | $766,897,000 | 783 |
| Average equity | $81,996,000 | 858 |
| Average total loans | $547,702,250 | 761 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0924% | 1,521 |
| Cost of funding earning assets | 1.1273% | 1,106 |
| Net interest margin | 3.9651% | 2,656 |
| Noninterest income to average assets | 1.0034% | 1,455 |
| Noninterest expense to average assets | 3.1314% | 2,815 |
| Loan and lease loss provision to assets | 0.6154% | 954 |
| Net operating income to assets | 0.5518% | 4,576 |
| Return on assets (ROA) | 0.6697% | 4,279 |
| Pretax return on assets | 0.9614% | 3,845 |
| Return on Equity (ROE) | 7.1550% | 3,699 |
| Retained earnings to average equity (ytd only) | 7.1550% | 2,014 |
| Net charge-offs to loans | 1.3206% | 803 |
| Credit loss provision to net charge-offs | 73.8023% | 3,483 |
| Earnings coverage of net charge-offs (x) | 1.6890% | 4,143 |
| Efficiency ratio | 68.9760% | 3,945 |
| Assets per employee ($millions) | 3.0275% | 6,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9397% | 832 |
| Loan loss allowance to noncurrent loans | 42.7237% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 6.1501% | 685 |
| Noncurrent loans to loans | 6.8807% | 577 |
| Net loans and leases to total assets | 63.3987% | 3,165 |
| Net loans and leases to deposits | 73.2306% | 3,420 |
| Net loans and leases to core deposits | 82.4251% | 2,913 |
| Total domestic deposits to total assets | 86.5740% | 3,031 |
| Equity capital to assets | 9.9128% | 4,462 |
| Core capital (leverage) ratio | 9.1898% | 4,624 |
| Tier 1 risk-based capital ratio | 13.9524% | 4,479 |
| Total risk-based capital ratio | 15.2225% | 4,437 |
| Memoranda: | ||
| Average total assets | $866,069,670 | 766 |
| Average earning assets | $772,445,670 | 779 |
| Average equity | $81,061,670 | 856 |
| Average total loans | $546,884,000 | 767 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9587% | 2,040 |
| Cost of funding earning assets | 1.2010% | 983 |
| Net interest margin | 3.7577% | 3,570 |
| Noninterest income to average assets | 0.9639% | 1,524 |
| Noninterest expense to average assets | 3.0384% | 3,122 |
| Loan and lease loss provision to assets | 0.6615% | 815 |
| Net operating income to assets | 0.4140% | 5,200 |
| Return on assets (ROA) | 0.6406% | 4,376 |
| Pretax return on assets | 0.9416% | 3,898 |
| Return on Equity (ROE) | 7.0426% | 3,761 |
| Retained earnings to average equity (ytd only) | 7.0426% | 2,413 |
| Net charge-offs to loans | 1.6134% | 611 |
| Credit loss provision to net charge-offs | 66.0163% | 2,995 |
| Earnings coverage of net charge-offs (x) | 1.2672% | 3,698 |
| Efficiency ratio | 70.5255% | 3,714 |
| Assets per employee ($millions) | 3.2752% | 5,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0555% | 791 |
| Loan loss allowance to noncurrent loans | 41.4421% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 6.4949% | 693 |
| Noncurrent loans to loans | 7.3730% | 580 |
| Net loans and leases to total assets | 58.4824% | 3,959 |
| Net loans and leases to deposits | 67.7506% | 4,107 |
| Net loans and leases to core deposits | 78.0896% | 3,311 |
| Total domestic deposits to total assets | 86.3201% | 3,349 |
| Equity capital to assets | 9.0975% | 5,360 |
| Core capital (leverage) ratio | 8.7687% | 5,172 |
| Tier 1 risk-based capital ratio | 13.8240% | 4,592 |
| Total risk-based capital ratio | 15.0949% | 4,553 |
| Memoranda: | ||
| Average total assets | $879,794,500 | 754 |
| Average earning assets | $783,033,000 | 768 |
| Average equity | $80,027,000 | 866 |
| Average total loans | $546,437,500 | 765 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2837% | 1,757 |
| Cost of funding earning assets | 1.4813% | 767 |
| Net interest margin | 3.8024% | 3,803 |
| Noninterest income to average assets | 0.8076% | 2,018 |
| Noninterest expense to average assets | 3.0539% | 3,376 |
| Loan and lease loss provision to assets | 0.8387% | 1,159 |
| Net operating income to assets | 0.2219% | 5,523 |
| Return on assets (ROA) | 0.3093% | 5,374 |
| Pretax return on assets | 0.4460% | 5,143 |
| Return on Equity (ROE) | 3.5859% | 5,032 |
| Retained earnings to average equity (ytd only) | 3.5859% | 3,671 |
| Net charge-offs to loans | 1.6607% | 935 |
| Credit loss provision to net charge-offs | 76.7487% | 4,611 |
| Earnings coverage of net charge-offs (x) | 1.0596% | 4,996 |
| Efficiency ratio | 72.5086% | 3,476 |
| Assets per employee ($millions) | 3.3926% | 5,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0477% | 779 |
| Loan loss allowance to noncurrent loans | 37.3980% | 5,748 |
| Noncurrent assets plus other real estate owned to assets | 6.9886% | 652 |
| Noncurrent loans to loans | 8.1493% | 489 |
| Net loans and leases to total assets | 61.9643% | 3,605 |
| Net loans and leases to deposits | 72.8554% | 3,686 |
| Net loans and leases to core deposits | 83.6603% | 2,934 |
| Total domestic deposits to total assets | 85.0511% | 3,815 |
| Equity capital to assets | 9.0947% | 5,418 |
| Core capital (leverage) ratio | 8.8419% | 5,034 |
| Tier 1 risk-based capital ratio | 13.3436% | 4,811 |
| Total risk-based capital ratio | 14.6154% | 4,768 |
| Memoranda: | ||
| Average total assets | $892,244,000 | 734 |
| Average earning assets | $798,783,000 | 737 |
| Average equity | $76,968,800 | 871 |
| Average total loans | $587,105,000 | 716 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3235% | 1,776 |
| Cost of funding earning assets | 1.5287% | 775 |
| Net interest margin | 3.7948% | 3,900 |
| Noninterest income to average assets | 0.7546% | 2,288 |
| Noninterest expense to average assets | 3.0178% | 3,492 |
| Loan and lease loss provision to assets | 0.8452% | 1,082 |
| Net operating income to assets | 0.2034% | 5,698 |
| Return on assets (ROA) | 0.3151% | 5,513 |
| Pretax return on assets | 0.4663% | 5,271 |
| Return on Equity (ROE) | 3.7023% | 5,124 |
| Retained earnings to average equity (ytd only) | 3.7023% | 4,112 |
| Net charge-offs to loans | 1.7904% | 749 |
| Credit loss provision to net charge-offs | 71.2423% | 4,439 |
| Earnings coverage of net charge-offs (x) | 0.9669% | 4,902 |
| Efficiency ratio | 72.4575% | 3,463 |
| Assets per employee ($millions) | 3.3290% | 5,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9433% | 903 |
| Loan loss allowance to noncurrent loans | 37.5066% | 5,778 |
| Noncurrent assets plus other real estate owned to assets | 6.8933% | 723 |
| Noncurrent loans to loans | 7.8473% | 571 |
| Net loans and leases to total assets | 65.1019% | 3,085 |
| Net loans and leases to deposits | 77.1908% | 3,137 |
| Net loans and leases to core deposits | 91.8726% | 2,008 |
| Total domestic deposits to total assets | 84.3389% | 4,085 |
| Equity capital to assets | 9.1803% | 5,540 |
| Core capital (leverage) ratio | 8.6949% | 5,420 |
| Tier 1 risk-based capital ratio | 12.8933% | 5,175 |
| Total risk-based capital ratio | 14.1641% | 5,140 |
| Memoranda: | ||
| Average total assets | $896,484,250 | 739 |
| Average earning assets | $805,637,250 | 741 |
| Average equity | $76,310,000 | 887 |
| Average total loans | $594,028,250 | 713 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2537% | 2,053 |
| Cost of funding earning assets | 1.5724% | 779 |
| Net interest margin | 3.6813% | 4,350 |
| Noninterest income to average assets | 0.6483% | 2,854 |
| Noninterest expense to average assets | 2.9554% | 3,808 |
| Loan and lease loss provision to assets | 0.8499% | 1,062 |
| Net operating income to assets | 0.1105% | 5,988 |
| Return on assets (ROA) | 0.2207% | 5,783 |
| Pretax return on assets | 0.3201% | 5,625 |
| Return on Equity (ROE) | 2.6592% | 5,540 |
| Retained earnings to average equity (ytd only) | 2.6592% | 4,599 |
| Net charge-offs to loans | 2.1527% | 599 |
| Credit loss provision to net charge-offs | 59.8140% | 4,346 |
| Earnings coverage of net charge-offs (x) | 0.7110% | 4,761 |
| Efficiency ratio | 74.5251% | 3,269 |
| Assets per employee ($millions) | 3.2855% | 5,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8460% | 1,034 |
| Loan loss allowance to noncurrent loans | 36.8329% | 5,834 |
| Noncurrent assets plus other real estate owned to assets | 6.7668% | 773 |
| Noncurrent loans to loans | 7.7268% | 607 |
| Net loans and leases to total assets | 64.8384% | 3,289 |
| Net loans and leases to deposits | 76.4610% | 3,386 |
| Net loans and leases to core deposits | 90.4796% | 2,308 |
| Total domestic deposits to total assets | 84.7992% | 3,970 |
| Equity capital to assets | 8.8043% | 5,812 |
| Core capital (leverage) ratio | 8.2445% | 5,959 |
| Tier 1 risk-based capital ratio | 12.5362% | 5,312 |
| Total risk-based capital ratio | 13.8060% | 5,266 |
| Memoranda: | ||
| Average total assets | $907,908,330 | 730 |
| Average earning assets | $818,127,330 | 739 |
| Average equity | $75,362,000 | 897 |
| Average total loans | $599,258,330 | 718 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2625% | 2,000 |
| Cost of funding earning assets | 1.6397% | 706 |
| Net interest margin | 3.6228% | 4,472 |
| Noninterest income to average assets | 0.6506% | 2,844 |
| Noninterest expense to average assets | 2.7999% | 4,443 |
| Loan and lease loss provision to assets | 0.7847% | 1,088 |
| Net operating income to assets | 0.2318% | 5,676 |
| Return on assets (ROA) | 0.2383% | 5,718 |
| Pretax return on assets | 0.3503% | 5,509 |
| Return on Equity (ROE) | 2.9563% | 5,393 |
| Retained earnings to average equity (ytd only) | 2.9563% | 4,392 |
| Net charge-offs to loans | 1.1979% | 1,161 |
| Credit loss provision to net charge-offs | 99.7792% | 2,740 |
| Earnings coverage of net charge-offs (x) | 1.4310% | 3,631 |
| Efficiency ratio | 71.3291% | 3,985 |
| Assets per employee ($millions) | 3.5948% | 4,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2584% | 739 |
| Loan loss allowance to noncurrent loans | 49.3459% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 5.9166% | 989 |
| Noncurrent loans to loans | 6.6032% | 885 |
| Net loans and leases to total assets | 62.7960% | 3,698 |
| Net loans and leases to deposits | 73.2266% | 3,884 |
| Net loans and leases to core deposits | 87.3398% | 2,694 |
| Total domestic deposits to total assets | 85.7556% | 3,663 |
| Equity capital to assets | 8.1871% | 6,297 |
| Core capital (leverage) ratio | 7.7697% | 6,492 |
| Tier 1 risk-based capital ratio | 12.1497% | 5,549 |
| Total risk-based capital ratio | 13.4243% | 5,524 |
| Memoranda: | ||
| Average total assets | $921,608,500 | 728 |
| Average earning assets | $833,067,000 | 726 |
| Average equity | $74,281,500 | 902 |
| Average total loans | $605,072,000 | 716 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5854% | 1,957 |
| Cost of funding earning assets | 1.9911% | 628 |
| Net interest margin | 3.5943% | 4,847 |
| Noninterest income to average assets | 0.6596% | 3,085 |
| Noninterest expense to average assets | 2.7863% | 4,654 |
| Loan and lease loss provision to assets | 2.3026% | 525 |
| Net operating income to assets | -0.7118% | 6,527 |
| Return on assets (ROA) | -0.6075% | 6,484 |
| Pretax return on assets | -0.9914% | 6,638 |
| Return on Equity (ROE) | -7.3300% | 6,572 |
| Retained earnings to average equity (ytd only) | -7.8126% | 6,520 |
| Net charge-offs to loans | 2.1782% | 898 |
| Credit loss provision to net charge-offs | 151.2508% | 2,382 |
| Earnings coverage of net charge-offs (x) | 0.7542% | 5,365 |
| Efficiency ratio | 70.8177% | 4,015 |
| Assets per employee ($millions) | 3.5502% | 4,823 |
| Cash dividends to net income (ytd only)* | -6.5847% | 7,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1283% | 782 |
| Loan loss allowance to noncurrent loans | 69.7404% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 4.8347% | 1,346 |
| Noncurrent loans to loans | 4.4856% | 1,578 |
| Net loans and leases to total assets | 64.3065% | 3,804 |
| Net loans and leases to deposits | 74.7454% | 4,075 |
| Net loans and leases to core deposits | 89.4429% | 2,837 |
| Total domestic deposits to total assets | 86.0340% | 3,342 |
| Equity capital to assets | 7.9352% | 6,549 |
| Core capital (leverage) ratio | 7.6822% | 6,558 |
| Tier 1 risk-based capital ratio | 11.7855% | 5,662 |
| Total risk-based capital ratio | 13.0583% | 5,639 |
| Memoranda: | ||
| Average total assets | $937,422,400 | 719 |
| Average earning assets | $854,097,400 | 708 |
| Average equity | $77,694,600 | 851 |
| Average total loans | $655,165,800 | 668 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6705% | 1,809 |
| Cost of funding earning assets | 2.0322% | 682 |
| Net interest margin | 3.6382% | 4,686 |
| Noninterest income to average assets | 0.6374% | 3,204 |
| Noninterest expense to average assets | 2.7477% | 4,693 |
| Loan and lease loss provision to assets | 2.6915% | 365 |
| Net operating income to assets | -0.9441% | 6,868 |
| Return on assets (ROA) | -0.7923% | 6,823 |
| Pretax return on assets | -1.2394% | 6,950 |
| Return on Equity (ROE) | -9.4592% | 6,902 |
| Retained earnings to average equity (ytd only) | -10.0947% | 6,887 |
| Net charge-offs to loans | 2.2804% | 783 |
| Credit loss provision to net charge-offs | 166.7986% | 2,233 |
| Earnings coverage of net charge-offs (x) | 0.7529% | 5,309 |
| Efficiency ratio | 69.3415% | 4,200 |
| Assets per employee ($millions) | 3.4866% | 5,015 |
| Cash dividends to net income (ytd only)* | -6.7193% | 7,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0409% | 793 |
| Loan loss allowance to noncurrent loans | 55.8740% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 5.1402% | 1,243 |
| Noncurrent loans to loans | 5.4424% | 1,228 |
| Net loans and leases to total assets | 66.3691% | 3,602 |
| Net loans and leases to deposits | 77.1911% | 3,981 |
| Net loans and leases to core deposits | 94.6680% | 2,429 |
| Total domestic deposits to total assets | 85.9803% | 3,086 |
| Equity capital to assets | 8.0944% | 6,718 |
| Core capital (leverage) ratio | 7.7320% | 6,638 |
| Tier 1 risk-based capital ratio | 11.6097% | 5,821 |
| Total risk-based capital ratio | 12.8832% | 5,785 |
| Memoranda: | ||
| Average total assets | $939,241,250 | 709 |
| Average earning assets | $858,416,500 | 703 |
| Average equity | $78,666,000 | 839 |
| Average total loans | $664,592,000 | 658 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7326% | 1,635 |
| Cost of funding earning assets | 2.0411% | 797 |
| Net interest margin | 3.6915% | 4,403 |
| Noninterest income to average assets | 0.6122% | 3,240 |
| Noninterest expense to average assets | 2.7294% | 4,794 |
| Loan and lease loss provision to assets | 3.0047% | 324 |
| Net operating income to assets | -1.1113% | 6,993 |
| Return on assets (ROA) | -1.0374% | 6,977 |
| Pretax return on assets | -1.6208% | 7,121 |
| Return on Equity (ROE) | -12.2483% | 7,049 |
| Retained earnings to average equity (ytd only) | -13.1919% | 7,044 |
| Net charge-offs to loans | 2.1632% | 829 |
| Credit loss provision to net charge-offs | 194.1881% | 2,031 |
| Earnings coverage of net charge-offs (x) | 0.8197% | 4,955 |
| Efficiency ratio | 68.2729% | 4,529 |
| Assets per employee ($millions) | 3.1759% | 5,732 |
| Cash dividends to net income (ytd only)* | -7.7034% | 7,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8177% | 985 |
| Loan loss allowance to noncurrent loans | 46.2356% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 5.6659% | 1,068 |
| Noncurrent loans to loans | 6.0943% | 1,041 |
| Net loans and leases to total assets | 70.0714% | 2,877 |
| Net loans and leases to deposits | 81.8332% | 3,298 |
| Net loans and leases to core deposits | 99.6562% | 2,058 |
| Total domestic deposits to total assets | 85.6271% | 3,300 |
| Equity capital to assets | 8.3621% | 6,342 |
| Core capital (leverage) ratio | 7.7239% | 6,582 |
| Tier 1 risk-based capital ratio | 11.1428% | 6,102 |
| Total risk-based capital ratio | 12.4131% | 6,067 |
| Memoranda: | ||
| Average total assets | $938,526,670 | 708 |
| Average earning assets | $860,726,330 | 698 |
| Average equity | $79,488,330 | 820 |
| Average total loans | $671,328,000 | 652 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5444% | 2,386 |
| Cost of funding earning assets | 2.0256% | 1,011 |
| Net interest margin | 3.5188% | 5,091 |
| Noninterest income to average assets | 0.6936% | 2,643 |
| Noninterest expense to average assets | 2.6594% | 5,104 |
| Loan and lease loss provision to assets | 2.3302% | 459 |
| Net operating income to assets | -0.6622% | 6,937 |
| Return on assets (ROA) | -0.6622% | 6,965 |
| Pretax return on assets | -1.0562% | 7,078 |
| Return on Equity (ROE) | -7.7704% | 7,041 |
| Retained earnings to average equity (ytd only) | -9.6347% | 6,940 |
| Net charge-offs to loans | 3.2052% | 464 |
| Credit loss provision to net charge-offs | 102.0408% | 3,335 |
| Earnings coverage of net charge-offs (x) | 0.5579% | 4,532 |
| Efficiency ratio | 67.6109% | 4,801 |
| Assets per employee ($millions) | 3.3645% | 5,389 |
| Cash dividends to net income (ytd only)* | -23.9923% | 7,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8182% | 2,677 |
| Loan loss allowance to noncurrent loans | 32.9345% | 6,211 |
| Noncurrent assets plus other real estate owned to assets | 5.0522% | 1,266 |
| Noncurrent loans to loans | 5.5206% | 1,261 |
| Net loans and leases to total assets | 68.4501% | 3,286 |
| Net loans and leases to deposits | 80.7720% | 3,500 |
| Net loans and leases to core deposits | 100.3047% | 2,099 |
| Total domestic deposits to total assets | 84.7448% | 3,781 |
| Equity capital to assets | 8.3477% | 6,231 |
| Core capital (leverage) ratio | 8.1020% | 6,068 |
| Tier 1 risk-based capital ratio | 11.3965% | 5,771 |
| Total risk-based capital ratio | 12.6535% | 5,738 |
| Memoranda: | ||
| Average total assets | $944,107,500 | 724 |
| Average earning assets | $869,278,000 | 707 |
| Average equity | $80,459,000 | 819 |
| Average total loans | $672,662,500 | 673 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2289% | 1,166 |
| Cost of funding earning assets | 2.3861% | 1,345 |
| Net interest margin | 3.8428% | 3,517 |
| Noninterest income to average assets | 0.9194% | 1,873 |
| Noninterest expense to average assets | 2.9286% | 4,431 |
| Loan and lease loss provision to assets | 1.1204% | 2,039 |
| Net operating income to assets | 0.2706% | 4,642 |
| Return on assets (ROA) | 0.2924% | 4,649 |
| Pretax return on assets | 0.4139% | 4,454 |
| Return on Equity (ROE) | 3.3103% | 4,377 |
| Retained earnings to average equity (ytd only) | 3.3103% | 2,852 |
| Net charge-offs to loans | 0.8747% | 2,648 |
| Credit loss provision to net charge-offs | 168.8157% | 2,539 |
| Earnings coverage of net charge-offs (x) | 2.2655% | 4,025 |
| Efficiency ratio | 66.0747% | 5,382 |
| Assets per employee ($millions) | 3.4803% | 5,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7672% | 2,651 |
| Loan loss allowance to noncurrent loans | 33.7381% | 6,184 |
| Noncurrent assets plus other real estate owned to assets | 4.4731% | 1,446 |
| Noncurrent loans to loans | 5.2379% | 1,258 |
| Net loans and leases to total assets | 71.5300% | 2,880 |
| Net loans and leases to deposits | 84.9853% | 3,090 |
| Net loans and leases to core deposits | 106.5466% | 3,268 |
| Total domestic deposits to total assets | 84.1675% | 3,959 |
| Equity capital to assets | 8.7010% | 5,581 |
| Core capital (leverage) ratio | 8.5874% | 5,121 |
| Tier 1 risk-based capital ratio | 11.6158% | 5,279 |
| Total risk-based capital ratio | 12.8725% | 5,230 |
| Memoranda: | ||
| Average total assets | $888,039,400 | 760 |
| Average earning assets | $811,783,400 | 748 |
| Average equity | $78,451,200 | 824 |
| Average total loans | $673,812,400 | 691 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3061% | 1,128 |
| Cost of funding earning assets | 2.4880% | 1,343 |
| Net interest margin | 3.8182% | 3,580 |
| Noninterest income to average assets | 0.8966% | 1,994 |
| Noninterest expense to average assets | 3.0024% | 4,033 |
| Loan and lease loss provision to assets | 0.9351% | 2,057 |
| Net operating income to assets | 0.3001% | 4,792 |
| Return on assets (ROA) | 0.3169% | 4,841 |
| Pretax return on assets | 0.4666% | 4,624 |
| Return on Equity (ROE) | 3.5726% | 4,550 |
| Retained earnings to average equity (ytd only) | 3.5726% | 3,293 |
| Net charge-offs to loans | 0.7237% | 2,547 |
| Credit loss provision to net charge-offs | 168.4932% | 2,776 |
| Earnings coverage of net charge-offs (x) | 2.4814% | 3,989 |
| Efficiency ratio | 68.5554% | 4,874 |
| Assets per employee ($millions) | 3.3235% | 5,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5279% | 3,290 |
| Loan loss allowance to noncurrent loans | 35.2774% | 6,061 |
| Noncurrent assets plus other real estate owned to assets | 3.9937% | 1,605 |
| Noncurrent loans to loans | 4.3311% | 1,648 |
| Net loans and leases to total assets | 75.5843% | 2,082 |
| Net loans and leases to deposits | 90.6313% | 2,459 |
| Net loans and leases to core deposits | 115.2031% | 2,701 |
| Total domestic deposits to total assets | 83.3975% | 4,021 |
| Equity capital to assets | 9.2359% | 5,105 |
| Core capital (leverage) ratio | 8.7264% | 5,084 |
| Tier 1 risk-based capital ratio | 11.4071% | 5,523 |
| Total risk-based capital ratio | 12.6203% | 5,508 |
| Memoranda: | ||
| Average total assets | $876,872,500 | 782 |
| Average earning assets | $799,877,250 | 774 |
| Average equity | $77,775,250 | 841 |
| Average total loans | $672,473,750 | 711 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3729% | 1,059 |
| Cost of funding earning assets | 2.5958% | 1,299 |
| Net interest margin | 3.7770% | 3,643 |
| Noninterest income to average assets | 0.9199% | 1,898 |
| Noninterest expense to average assets | 3.0431% | 3,901 |
| Loan and lease loss provision to assets | 0.6879% | 2,367 |
| Net operating income to assets | 0.4193% | 4,428 |
| Return on assets (ROA) | 0.4370% | 4,462 |
| Pretax return on assets | 0.6427% | 4,183 |
| Return on Equity (ROE) | 4.9975% | 4,075 |
| Retained earnings to average equity (ytd only) | 4.9975% | 2,507 |
| Net charge-offs to loans | 0.5841% | 2,578 |
| Credit loss provision to net charge-offs | 153.6098% | 2,996 |
| Earnings coverage of net charge-offs (x) | 2.9130% | 3,647 |
| Efficiency ratio | 69.9963% | 4,784 |
| Assets per employee ($millions) | 3.2384% | 5,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3331% | 4,083 |
| Loan loss allowance to noncurrent loans | 45.1910% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 3.0858% | 2,038 |
| Noncurrent loans to loans | 2.9499% | 2,443 |
| Net loans and leases to total assets | 76.1243% | 2,154 |
| Net loans and leases to deposits | 91.4420% | 2,582 |
| Net loans and leases to core deposits | 115.1306% | 2,794 |
| Total domestic deposits to total assets | 83.2487% | 4,125 |
| Equity capital to assets | 9.1452% | 5,104 |
| Core capital (leverage) ratio | 8.8101% | 4,931 |
| Tier 1 risk-based capital ratio | 11.4084% | 5,486 |
| Total risk-based capital ratio | 12.6594% | 5,400 |
| Memoranda: | ||
| Average total assets | $872,261,670 | 806 |
| Average earning assets | $791,576,670 | 805 |
| Average equity | $76,278,670 | 870 |
| Average total loans | $668,738,670 | 738 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3293% | 1,222 |
| Cost of funding earning assets | 2.7087% | 1,247 |
| Net interest margin | 3.6206% | 4,238 |
| Noninterest income to average assets | 0.8476% | 2,090 |
| Noninterest expense to average assets | 2.8067% | 4,531 |
| Loan and lease loss provision to assets | 0.6887% | 1,833 |
| Net operating income to assets | 0.4354% | 4,721 |
| Return on assets (ROA) | 0.3985% | 5,045 |
| Pretax return on assets | 0.5914% | 4,780 |
| Return on Equity (ROE) | 4.6643% | 4,629 |
| Retained earnings to average equity (ytd only) | 4.6643% | 3,328 |
| Net charge-offs to loans | 0.5359% | 2,110 |
| Credit loss provision to net charge-offs | 168.1614% | 2,547 |
| Earnings coverage of net charge-offs (x) | 3.2601% | 3,226 |
| Efficiency ratio | 67.7641% | 5,010 |
| Assets per employee ($millions) | 3.3153% | 5,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 4,155 |
| Loan loss allowance to noncurrent loans | 101.3267% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 1.8252% | 3,180 |
| Noncurrent loans to loans | 1.2691% | 4,447 |
| Net loans and leases to total assets | 74.4617% | 2,633 |
| Net loans and leases to deposits | 89.4134% | 3,027 |
| Net loans and leases to core deposits | 113.0307% | 3,100 |
| Total domestic deposits to total assets | 83.2780% | 4,002 |
| Equity capital to assets | 9.0921% | 5,238 |
| Core capital (leverage) ratio | 8.7279% | 5,099 |
| Tier 1 risk-based capital ratio | 11.3428% | 5,556 |
| Total risk-based capital ratio | 12.5930% | 5,463 |
| Memoranda: | ||
| Average total assets | $871,211,500 | 808 |
| Average earning assets | $792,691,000 | 804 |
| Average equity | $74,437,000 | 898 |
| Average total loans | $665,810,500 | 747 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9217% | 1,340 |
| Cost of funding earning assets | 3.2540% | 1,033 |
| Net interest margin | 3.6677% | 4,609 |
| Noninterest income to average assets | 0.8506% | 2,224 |
| Noninterest expense to average assets | 2.8212% | 4,734 |
| Loan and lease loss provision to assets | 0.3710% | 3,458 |
| Net operating income to assets | 0.7020% | 3,886 |
| Return on assets (ROA) | 0.7268% | 3,606 |
| Pretax return on assets | 1.0778% | 3,107 |
| Return on Equity (ROE) | 9.2516% | 2,547 |
| Retained earnings to average equity (ytd only) | 7.5236% | 978 |
| Net charge-offs to loans | 0.3565% | 3,048 |
| Credit loss provision to net charge-offs | 133.2322% | 3,996 |
| Earnings coverage of net charge-offs (x) | 5.0698% | 3,762 |
| Efficiency ratio | 66.6458% | 4,993 |
| Assets per employee ($millions) | 3.2721% | 5,284 |
| Cash dividends to net income (ytd only)* | 18.6784% | 4,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 4,597 |
| Loan loss allowance to noncurrent loans | 114.6774% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 1.4757% | 3,268 |
| Noncurrent loans to loans | 1.0397% | 4,506 |
| Net loans and leases to total assets | 76.5166% | 2,494 |
| Net loans and leases to deposits | 90.9126% | 3,302 |
| Net loans and leases to core deposits | 114.9906% | 3,238 |
| Total domestic deposits to total assets | 84.1650% | 3,233 |
| Equity capital to assets | 7.9825% | 6,868 |
| Core capital (leverage) ratio | 7.6052% | 7,068 |
| Tier 1 risk-based capital ratio | 9.7938% | 6,965 |
| Total risk-based capital ratio | 10.9851% | 6,947 |
| Memoranda: | ||
| Average total assets | $828,734,000 | 819 |
| Average earning assets | $764,287,800 | 810 |
| Average equity | $65,102,000 | 1,030 |
| Average total loans | $647,346,600 | 737 |