Home > Salisbury Bank and Trust Company > Performance and Condition Ratios
Salisbury Bank and Trust Company, Performance and Condition Ratios
| 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 | 4.1523% | 3,389 |
| Cost of funding earning assets | 1.2845% | 1,755 |
| Net interest margin | 2.8677% | 3,703 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 2.1546% | 3,199 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.9816% | 2,476 |
| Return on assets (ROA) | 0.9805% | 2,467 |
| Pretax return on assets | 1.1768% | 2,425 |
| Return on Equity (ROE) | 10.1800% | 2,655 |
| Retained earnings to average equity (ytd only) | 6.3448% | 2,497 |
| Net charge-offs to loans | 0.0127% | 1,716 |
| Credit loss provision to net charge-offs | 658.2278% | 547 |
| Earnings coverage of net charge-offs (x) | 123.5696% | 830 |
| Efficiency ratio | 62.9078% | 2,609 |
| Assets per employee ($millions) | 9.5603% | 764 |
| Cash dividends to net income (ytd only)* | 37.6836% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 2,221 |
| Loan loss allowance to noncurrent loans | 1,177.7441% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 2,944 |
| Noncurrent loans to loans | 0.1054% | 2,959 |
| Net loans and leases to total assets | 79.4100% | 689 |
| Net loans and leases to deposits | 90.6175% | 1,129 |
| Net loans and leases to core deposits | 98.7453% | 1,307 |
| Total domestic deposits to total assets | 87.6300% | 1,733 |
| Equity capital to assets | 9.7327% | 2,010 |
| Core capital (leverage) ratio | 10.1546% | 2,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6631% | 2,035 |
| Memoranda: | ||
| Average total assets | $1,555,084,000 | 686 |
| Average earning assets | $1,459,685,000 | 676 |
| Average equity | $149,760,000 | 671 |
| Average total loans | $1,244,075,667 | 599 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0944% | 3,262 |
| Cost of funding earning assets | 0.9787% | 2,120 |
| Net interest margin | 3.1157% | 3,315 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 2.1943% | 3,114 |
| Loan and lease loss provision to assets | 0.2600% | 353 |
| Net operating income to assets | 0.9279% | 2,762 |
| Return on assets (ROA) | 0.9321% | 2,703 |
| Pretax return on assets | 1.1543% | 2,547 |
| Return on Equity (ROE) | 9.7300% | 2,866 |
| Retained earnings to average equity (ytd only) | 5.7982% | 2,823 |
| Net charge-offs to loans | 0.0103% | 1,553 |
| Credit loss provision to net charge-offs | 2,887.5000% | 153 |
| Earnings coverage of net charge-offs (x) | 171.2188% | 562 |
| Efficiency ratio | 60.5885% | 2,884 |
| Assets per employee ($millions) | 9.3175% | 836 |
| Cash dividends to net income (ytd only)* | 40.4144% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 2,128 |
| Loan loss allowance to noncurrent loans | 714.3686% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 2,508 |
| Noncurrent loans to loans | 0.1792% | 2,583 |
| Net loans and leases to total assets | 78.8700% | 664 |
| Net loans and leases to deposits | 95.1010% | 715 |
| Net loans and leases to core deposits | 101.4026% | 1,027 |
| Total domestic deposits to total assets | 82.9400% | 3,308 |
| Equity capital to assets | 9.6363% | 2,041 |
| Core capital (leverage) ratio | 9.9809% | 2,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4147% | 2,213 |
| Memoranda: | ||
| Average total assets | $1,553,458,000 | 703 |
| Average earning assets | $1,457,893,500 | 691 |
| Average equity | $148,806,000 | 684 |
| Average total loans | $1,239,579,000 | 607 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5276% | 3,007 |
| Cost of funding earning assets | 0.2856% | 2,996 |
| Net interest margin | 3.2420% | 2,731 |
| Noninterest income to average assets | 0.7700% | 1,080 |
| Noninterest expense to average assets | 2.2204% | 2,973 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.1543% | 1,951 |
| Return on assets (ROA) | 1.1568% | 1,883 |
| Pretax return on assets | 1.4185% | 1,718 |
| Return on Equity (ROE) | 11.8600% | 2,193 |
| Retained earnings to average equity (ytd only) | 8.9261% | 1,501 |
| Net charge-offs to loans | 0.0697% | 948 |
| Credit loss provision to net charge-offs | 335.7947% | 855 |
| Earnings coverage of net charge-offs (x) | 30.0839% | 1,680 |
| Efficiency ratio | 57.8875% | 3,353 |
| Assets per employee ($millions) | 8.6606% | 1,031 |
| Cash dividends to net income (ytd only)* | 24.7608% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2084% | 2,343 |
| Loan loss allowance to noncurrent loans | 557.4916% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 2,341 |
| Noncurrent loans to loans | 0.2168% | 2,404 |
| Net loans and leases to total assets | 78.7300% | 728 |
| Net loans and leases to deposits | 88.9894% | 1,117 |
| Net loans and leases to core deposits | 93.5624% | 1,316 |
| Total domestic deposits to total assets | 88.4700% | 1,900 |
| Equity capital to assets | 9.5209% | 1,988 |
| Core capital (leverage) ratio | 9.9943% | 2,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4324% | 2,189 |
| Memoranda: | ||
| Average total assets | $1,508,614,200 | 694 |
| Average earning assets | $1,417,681,600 | 684 |
| Average equity | $147,097,400 | 689 |
| Average total loans | $1,146,280,400 | 604 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3903% | 2,939 |
| Cost of funding earning assets | 0.2026% | 3,238 |
| Net interest margin | 3.1877% | 2,665 |
| Noninterest income to average assets | 0.8000% | 1,027 |
| Noninterest expense to average assets | 2.2317% | 2,842 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 1.1226% | 1,994 |
| Return on assets (ROA) | 1.1259% | 1,951 |
| Pretax return on assets | 1.3746% | 1,794 |
| Return on Equity (ROE) | 11.4800% | 2,208 |
| Retained earnings to average equity (ytd only) | 8.5590% | 1,807 |
| Net charge-offs to loans | 0.0931% | 666 |
| Credit loss provision to net charge-offs | 274.5547% | 856 |
| Earnings coverage of net charge-offs (x) | 22.3677% | 1,669 |
| Efficiency ratio | 58.4696% | 3,330 |
| Assets per employee ($millions) | 8.4476% | 1,094 |
| Cash dividends to net income (ytd only)* | 25.4301% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 2,505 |
| Loan loss allowance to noncurrent loans | 770.6452% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.1230% | 2,745 |
| Noncurrent loans to loans | 0.1562% | 2,827 |
| Net loans and leases to total assets | 77.8000% | 725 |
| Net loans and leases to deposits | 88.3925% | 1,007 |
| Net loans and leases to core deposits | 89.3780% | 1,338 |
| Total domestic deposits to total assets | 88.0200% | 2,435 |
| Equity capital to assets | 9.3393% | 1,989 |
| Core capital (leverage) ratio | 9.8341% | 2,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2401% | 2,375 |
| Memoranda: | ||
| Average total assets | $1,500,372,250 | 704 |
| Average earning assets | $1,410,167,750 | 690 |
| Average equity | $147,178,750 | 694 |
| Average total loans | $1,125,721,250 | 606 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2463% | 2,905 |
| Cost of funding earning assets | 0.1718% | 3,294 |
| Net interest margin | 3.0746% | 2,631 |
| Noninterest income to average assets | 0.8350% | 976 |
| Noninterest expense to average assets | 2.2438% | 2,721 |
| Loan and lease loss provision to assets | 0.1955% | 431 |
| Net operating income to assets | 1.0623% | 1,932 |
| Return on assets (ROA) | 1.0727% | 1,861 |
| Pretax return on assets | 1.3005% | 1,750 |
| Return on Equity (ROE) | 10.7613% | 2,066 |
| Retained earnings to average equity (ytd only) | 8.0260% | 1,605 |
| Net charge-offs to loans | 0.1308% | 485 |
| Credit loss provision to net charge-offs | 202.6316% | 959 |
| Earnings coverage of net charge-offs (x) | 15.3726% | 1,638 |
| Efficiency ratio | 59.8286% | 3,322 |
| Assets per employee ($millions) | 8.3104% | 1,151 |
| Cash dividends to net income (ytd only)* | 25.4174% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 2,723 |
| Loan loss allowance to noncurrent loans | 324.8696% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.2820% | 1,894 |
| Noncurrent loans to loans | 0.3670% | 2,049 |
| Net loans and leases to total assets | 75.9265% | 736 |
| Net loans and leases to deposits | 85.8957% | 982 |
| Net loans and leases to core deposits | 89.5249% | 1,148 |
| Total domestic deposits to total assets | 88.3937% | 2,424 |
| Equity capital to assets | 9.7144% | 1,872 |
| Core capital (leverage) ratio | 10.0368% | 2,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2819% | 2,380 |
| Memoranda: | ||
| Average total assets | $1,496,457,333 | 699 |
| Average earning assets | $1,407,683,000 | 688 |
| Average equity | $149,164,667 | 696 |
| Average total loans | $1,104,019,333 | 606 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1545% | 2,814 |
| Cost of funding earning assets | 0.1651% | 3,296 |
| Net interest margin | 2.9894% | 2,534 |
| Noninterest income to average assets | 0.7766% | 1,096 |
| Noninterest expense to average assets | 2.2828% | 2,566 |
| Loan and lease loss provision to assets | 0.0970% | 853 |
| Net operating income to assets | 0.9821% | 1,960 |
| Return on assets (ROA) | 1.0185% | 1,790 |
| Pretax return on assets | 1.2574% | 1,634 |
| Return on Equity (ROE) | 10.0894% | 1,934 |
| Retained earnings to average equity (ytd only) | 7.3651% | 1,777 |
| Net charge-offs to loans | 0.1517% | 388 |
| Credit loss provision to net charge-offs | 88.5366% | 1,085 |
| Earnings coverage of net charge-offs (x) | 11.9512% | 1,426 |
| Efficiency ratio | 63.1454% | 3,127 |
| Assets per employee ($millions) | 8.1373% | 1,295 |
| Cash dividends to net income (ytd only)* | 27.0008% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 2,882 |
| Loan loss allowance to noncurrent loans | 468.9542% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.1880% | 2,504 |
| Noncurrent loans to loans | 0.2550% | 2,567 |
| Net loans and leases to total assets | 72.8668% | 754 |
| Net loans and leases to deposits | 82.3084% | 991 |
| Net loans and leases to core deposits | 83.4234% | 1,275 |
| Total domestic deposits to total assets | 88.5290% | 2,285 |
| Equity capital to assets | 10.0968% | 1,831 |
| Core capital (leverage) ratio | 9.6639% | 2,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9806% | 2,212 |
| Memoranda: | ||
| Average total assets | $1,496,753,000 | 699 |
| Average earning assets | $1,409,787,000 | 692 |
| Average equity | $151,090,000 | 704 |
| Average total loans | $1,081,298,500 | 613 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2770% | 3,279 |
| Cost of funding earning assets | 0.1828% | 3,628 |
| Net interest margin | 3.0942% | 2,919 |
| Noninterest income to average assets | 0.8006% | 1,443 |
| Noninterest expense to average assets | 2.2013% | 3,083 |
| Loan and lease loss provision to assets | -0.0504% | 4,357 |
| Net operating income to assets | 1.2377% | 1,782 |
| Return on assets (ROA) | 1.2361% | 1,852 |
| Pretax return on assets | 1.5620% | 1,530 |
| Return on Equity (ROE) | 12.0672% | 1,794 |
| Retained earnings to average equity (ytd only) | 9.3367% | 1,088 |
| Net charge-offs to loans | 0.0068% | 2,324 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,914 |
| Earnings coverage of net charge-offs (x) | 300.1667% | 411 |
| Efficiency ratio | 58.7765% | 3,318 |
| Assets per employee ($millions) | 8.6373% | 1,040 |
| Cash dividends to net income (ytd only)* | 22.6276% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 2,896 |
| Loan loss allowance to noncurrent loans | 309.4295% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.2740% | 2,180 |
| Noncurrent loans to loans | 0.3870% | 2,198 |
| Net loans and leases to total assets | 69.9526% | 1,051 |
| Net loans and leases to deposits | 79.6537% | 1,245 |
| Net loans and leases to core deposits | 80.7133% | 1,541 |
| Total domestic deposits to total assets | 87.8210% | 2,140 |
| Equity capital to assets | 10.0924% | 2,566 |
| Core capital (leverage) ratio | 9.4244% | 2,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0767% | 2,213 |
| Memoranda: | ||
| Average total assets | $1,427,954,800 | 706 |
| Average earning assets | $1,344,878,400 | 696 |
| Average equity | $146,272,800 | 736 |
| Average total loans | $1,060,146,400 | 623 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3032% | 3,382 |
| Cost of funding earning assets | 0.1898% | 3,717 |
| Net interest margin | 3.1134% | 3,020 |
| Noninterest income to average assets | 0.8177% | 1,471 |
| Noninterest expense to average assets | 2.1959% | 3,083 |
| Loan and lease loss provision to assets | -0.0491% | 4,453 |
| Net operating income to assets | 1.2607% | 1,953 |
| Return on assets (ROA) | 1.2592% | 2,016 |
| Pretax return on assets | 1.6003% | 1,700 |
| Return on Equity (ROE) | 12.2436% | 1,961 |
| Retained earnings to average equity (ytd only) | 9.5154% | 1,477 |
| Net charge-offs to loans | 0.0087% | 1,994 |
| Credit loss provision to net charge-offs | -749.2754% | 3,775 |
| Earnings coverage of net charge-offs (x) | 236.7971% | 503 |
| Efficiency ratio | 58.0726% | 3,249 |
| Assets per employee ($millions) | 8.4915% | 1,053 |
| Cash dividends to net income (ytd only)* | 22.2826% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 2,843 |
| Loan loss allowance to noncurrent loans | 263.8878% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.3377% | 2,096 |
| Noncurrent loans to loans | 0.4658% | 2,163 |
| Net loans and leases to total assets | 71.6126% | 908 |
| Net loans and leases to deposits | 81.6288% | 1,146 |
| Net loans and leases to core deposits | 82.9089% | 1,502 |
| Total domestic deposits to total assets | 87.7296% | 1,990 |
| Equity capital to assets | 10.2280% | 2,681 |
| Core capital (leverage) ratio | 9.3121% | 3,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1973% | 2,295 |
| Memoranda: | ||
| Average total assets | $1,402,744,000 | 724 |
| Average earning assets | $1,320,674,750 | 715 |
| Average equity | $144,268,000 | 755 |
| Average total loans | $1,054,584,000 | 640 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3501% | 3,310 |
| Cost of funding earning assets | 0.1967% | 3,787 |
| Net interest margin | 3.1534% | 2,888 |
| Noninterest income to average assets | 0.8397% | 1,426 |
| Noninterest expense to average assets | 2.1766% | 3,166 |
| Loan and lease loss provision to assets | -0.1331% | 4,688 |
| Net operating income to assets | 1.3819% | 1,626 |
| Return on assets (ROA) | 1.3793% | 1,702 |
| Pretax return on assets | 1.7603% | 1,328 |
| Return on Equity (ROE) | 13.3846% | 1,596 |
| Retained earnings to average equity (ytd only) | 10.7097% | 1,192 |
| Net charge-offs to loans | 0.0246% | 1,453 |
| Credit loss provision to net charge-offs | -710.8527% | 3,568 |
| Earnings coverage of net charge-offs (x) | 87.0775% | 802 |
| Efficiency ratio | 56.6494% | 3,456 |
| Assets per employee ($millions) | 8.1629% | 1,135 |
| Cash dividends to net income (ytd only)* | 19.9853% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 2,843 |
| Loan loss allowance to noncurrent loans | 229.8842% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.3848% | 2,071 |
| Noncurrent loans to loans | 0.5288% | 2,084 |
| Net loans and leases to total assets | 71.8859% | 986 |
| Net loans and leases to deposits | 82.6285% | 1,158 |
| Net loans and leases to core deposits | 83.9901% | 1,563 |
| Total domestic deposits to total assets | 86.9989% | 2,322 |
| Equity capital to assets | 10.3829% | 2,505 |
| Core capital (leverage) ratio | 9.3321% | 3,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6743% | 2,099 |
| Memoranda: | ||
| Average total assets | $1,377,819,333 | 732 |
| Average earning assets | $1,296,563,667 | 724 |
| Average equity | $141,984,000 | 762 |
| Average total loans | $1,049,026,333 | 644 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5024% | 2,920 |
| Cost of funding earning assets | 0.1982% | 3,928 |
| Net interest margin | 3.3041% | 2,381 |
| Noninterest income to average assets | 0.8410% | 1,486 |
| Noninterest expense to average assets | 2.1086% | 3,397 |
| Loan and lease loss provision to assets | 0.0469% | 2,139 |
| Net operating income to assets | 1.4019% | 1,570 |
| Return on assets (ROA) | 1.3981% | 1,653 |
| Pretax return on assets | 1.7861% | 1,317 |
| Return on Equity (ROE) | 13.6222% | 1,510 |
| Retained earnings to average equity (ytd only) | 10.9717% | 1,409 |
| Net charge-offs to loans | 0.0099% | 1,562 |
| Credit loss provision to net charge-offs | 607.6923% | 547 |
| Earnings coverage of net charge-offs (x) | 238.2692% | 353 |
| Efficiency ratio | 52.8978% | 3,927 |
| Assets per employee ($millions) | 8.1106% | 1,148 |
| Cash dividends to net income (ytd only)* | 19.4568% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3132% | 2,382 |
| Loan loss allowance to noncurrent loans | 243.8707% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.4058% | 2,187 |
| Noncurrent loans to loans | 0.5385% | 2,242 |
| Net loans and leases to total assets | 74.3694% | 781 |
| Net loans and leases to deposits | 84.9728% | 1,051 |
| Net loans and leases to core deposits | 87.5548% | 1,406 |
| Total domestic deposits to total assets | 87.5213% | 2,077 |
| Equity capital to assets | 10.2896% | 2,442 |
| Core capital (leverage) ratio | 9.8319% | 2,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5844% | 2,049 |
| Memoranda: | ||
| Average total assets | $1,348,396,000 | 742 |
| Average earning assets | $1,267,260,000 | 732 |
| Average equity | $138,392,000 | 769 |
| Average total loans | $1,050,805,500 | 643 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7706% | 3,391 |
| Cost of funding earning assets | 0.4059% | 3,540 |
| Net interest margin | 3.3647% | 2,886 |
| Noninterest income to average assets | 0.8162% | 1,486 |
| Noninterest expense to average assets | 2.3195% | 3,354 |
| Loan and lease loss provision to assets | 0.4108% | 745 |
| Net operating income to assets | 1.0272% | 2,186 |
| Return on assets (ROA) | 1.0416% | 2,280 |
| Pretax return on assets | 1.2639% | 2,106 |
| Return on Equity (ROE) | 10.0929% | 1,969 |
| Retained earnings to average equity (ytd only) | 7.1008% | 1,357 |
| Net charge-offs to loans | 0.0177% | 2,736 |
| Credit loss provision to net charge-offs | 2,814.5251% | 346 |
| Earnings coverage of net charge-offs (x) | 113.5363% | 728 |
| Efficiency ratio | 57.6690% | 3,773 |
| Assets per employee ($millions) | 7.4348% | 1,323 |
| Cash dividends to net income (ytd only)* | 29.6462% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 2,332 |
| Loan loss allowance to noncurrent loans | 243.9950% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.4357% | 2,274 |
| Noncurrent loans to loans | 0.5398% | 2,358 |
| Net loans and leases to total assets | 79.6554% | 450 |
| Net loans and leases to deposits | 91.1083% | 846 |
| Net loans and leases to core deposits | 94.3357% | 1,222 |
| Total domestic deposits to total assets | 87.4294% | 1,735 |
| Equity capital to assets | 10.2350% | 2,892 |
| Core capital (leverage) ratio | 8.9008% | 3,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5671% | 2,415 |
| Memoranda: | ||
| Average total assets | $1,226,352,000 | 738 |
| Average earning assets | $1,151,906,200 | 726 |
| Average equity | $126,564,000 | 781 |
| Average total loans | $1,009,320,600 | 637 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8310% | 3,470 |
| Cost of funding earning assets | 0.4540% | 3,502 |
| Net interest margin | 3.3770% | 2,986 |
| Noninterest income to average assets | 0.8306% | 1,393 |
| Noninterest expense to average assets | 2.2609% | 3,526 |
| Loan and lease loss provision to assets | 0.4627% | 677 |
| Net operating income to assets | 1.0572% | 2,117 |
| Return on assets (ROA) | 1.0790% | 2,181 |
| Pretax return on assets | 1.3071% | 2,017 |
| Return on Equity (ROE) | 10.4317% | 1,863 |
| Retained earnings to average equity (ytd only) | 7.3846% | 1,546 |
| Net charge-offs to loans | 0.0123% | 2,671 |
| Credit loss provision to net charge-offs | 4,563.0435% | 246 |
| Earnings coverage of net charge-offs (x) | 171.9348% | 543 |
| Efficiency ratio | 55.7779% | 3,947 |
| Assets per employee ($millions) | 7.6045% | 1,159 |
| Cash dividends to net income (ytd only)* | 29.2092% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 2,438 |
| Loan loss allowance to noncurrent loans | 278.3940% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.3612% | 2,702 |
| Noncurrent loans to loans | 0.4459% | 2,715 |
| Net loans and leases to total assets | 80.0113% | 616 |
| Net loans and leases to deposits | 94.2544% | 905 |
| Net loans and leases to core deposits | 97.3021% | 1,356 |
| Total domestic deposits to total assets | 84.8887% | 2,485 |
| Equity capital to assets | 10.0418% | 3,192 |
| Core capital (leverage) ratio | 8.9256% | 3,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5993% | 2,366 |
| Memoranda: | ||
| Average total assets | $1,209,524,250 | 739 |
| Average earning assets | $1,136,791,750 | 722 |
| Average equity | $125,103,250 | 782 |
| Average total loans | $1,000,594,000 | 630 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9058% | 3,597 |
| Cost of funding earning assets | 0.5317% | 3,336 |
| Net interest margin | 3.3741% | 3,172 |
| Noninterest income to average assets | 0.7282% | 1,645 |
| Noninterest expense to average assets | 2.2635% | 3,610 |
| Loan and lease loss provision to assets | 0.5944% | 536 |
| Net operating income to assets | 0.8578% | 2,843 |
| Return on assets (ROA) | 0.8865% | 2,863 |
| Pretax return on assets | 1.0718% | 2,803 |
| Return on Equity (ROE) | 8.4804% | 2,565 |
| Retained earnings to average equity (ytd only) | 5.4739% | 2,283 |
| Net charge-offs to loans | 0.0073% | 2,693 |
| Credit loss provision to net charge-offs | 9,755.5556% | 124 |
| Earnings coverage of net charge-offs (x) | 267.8056% | 352 |
| Efficiency ratio | 57.3731% | 3,768 |
| Assets per employee ($millions) | 7.7074% | 1,085 |
| Cash dividends to net income (ytd only)* | 35.4525% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 2,670 |
| Loan loss allowance to noncurrent loans | 257.4610% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.3733% | 2,807 |
| Noncurrent loans to loans | 0.4541% | 2,788 |
| Net loans and leases to total assets | 81.2400% | 474 |
| Net loans and leases to deposits | 96.1278% | 789 |
| Net loans and leases to core deposits | 100.7837% | 1,200 |
| Total domestic deposits to total assets | 84.5124% | 2,553 |
| Equity capital to assets | 9.7895% | 3,378 |
| Core capital (leverage) ratio | 8.9494% | 3,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1520% | 2,546 |
| Memoranda: | ||
| Average total assets | $1,181,779,000 | 741 |
| Average earning assets | $1,109,221,333 | 726 |
| Average equity | $123,532,000 | 779 |
| Average total loans | $985,007,000 | 631 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0554% | 3,641 |
| Cost of funding earning assets | 0.6723% | 3,047 |
| Net interest margin | 3.3831% | 3,349 |
| Noninterest income to average assets | 0.7801% | 1,368 |
| Noninterest expense to average assets | 2.4065% | 3,528 |
| Loan and lease loss provision to assets | 0.6044% | 458 |
| Net operating income to assets | 0.7930% | 2,933 |
| Return on assets (ROA) | 0.7978% | 3,006 |
| Pretax return on assets | 0.9427% | 3,026 |
| Return on Equity (ROE) | 7.3657% | 2,791 |
| Retained earnings to average equity (ytd only) | 4.3501% | 2,556 |
| Net charge-offs to loans | -0.0076% | 3,979 |
| Credit loss provision to net charge-offs | -9,472.2222% | 3,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1759% | 3,714 |
| Assets per employee ($millions) | 6.7397% | 1,215 |
| Cash dividends to net income (ytd only)* | 40.9414% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 3,175 |
| Loan loss allowance to noncurrent loans | 333.0615% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 3,335 |
| Noncurrent loans to loans | 0.3320% | 3,303 |
| Net loans and leases to total assets | 82.8908% | 363 |
| Net loans and leases to deposits | 98.0937% | 701 |
| Net loans and leases to core deposits | 106.0482% | 1,060 |
| Total domestic deposits to total assets | 84.5016% | 2,597 |
| Equity capital to assets | 10.7846% | 3,064 |
| Core capital (leverage) ratio | 9.6460% | 3,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9747% | 2,712 |
| Memoranda: | ||
| Average total assets | $1,129,100,000 | 740 |
| Average earning assets | $1,057,263,000 | 726 |
| Average equity | $122,296,000 | 779 |
| Average total loans | $948,490,000 | 628 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1309% | 3,976 |
| Cost of funding earning assets | 0.8265% | 2,547 |
| Net interest margin | 3.3044% | 3,980 |
| Noninterest income to average assets | 0.7519% | 1,622 |
| Noninterest expense to average assets | 2.4910% | 3,476 |
| Loan and lease loss provision to assets | 0.0850% | 2,303 |
| Net operating income to assets | 1.0398% | 2,698 |
| Return on assets (ROA) | 1.0608% | 2,710 |
| Pretax return on assets | 1.2932% | 2,526 |
| Return on Equity (ROE) | 10.2731% | 2,170 |
| Retained earnings to average equity (ytd only) | 7.2166% | 1,300 |
| Net charge-offs to loans | -0.0118% | 4,512 |
| Credit loss provision to net charge-offs | -876.1468% | 4,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9095% | 3,085 |
| Assets per employee ($millions) | 6.4303% | 1,330 |
| Cash dividends to net income (ytd only)* | 29.7524% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9497% | 3,744 |
| Loan loss allowance to noncurrent loans | 245.7182% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 2,986 |
| Noncurrent loans to loans | 0.3865% | 3,050 |
| Net loans and leases to total assets | 83.3966% | 379 |
| Net loans and leases to deposits | 100.6472% | 555 |
| Net loans and leases to core deposits | 103.0829% | 1,304 |
| Total domestic deposits to total assets | 82.8603% | 3,245 |
| Equity capital to assets | 10.8793% | 3,109 |
| Core capital (leverage) ratio | 9.5968% | 3,965 |
| Tier 1 risk-based capital ratio | 11.8331% | 4,457 |
| Total risk-based capital ratio | 12.8422% | 4,463 |
| Memoranda: | ||
| Average total assets | $1,123,223,600 | 707 |
| Average earning assets | $1,050,937,400 | 691 |
| Average equity | $115,982,800 | 784 |
| Average total loans | $923,597,400 | 627 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1389% | 4,066 |
| Cost of funding earning assets | 0.8604% | 2,409 |
| Net interest margin | 3.2784% | 4,129 |
| Noninterest income to average assets | 0.7163% | 1,721 |
| Noninterest expense to average assets | 2.4905% | 3,459 |
| Loan and lease loss provision to assets | 0.0638% | 2,613 |
| Net operating income to assets | 1.0031% | 2,967 |
| Return on assets (ROA) | 1.0314% | 2,935 |
| Pretax return on assets | 1.2647% | 2,772 |
| Return on Equity (ROE) | 10.1228% | 2,379 |
| Retained earnings to average equity (ytd only) | 7.0209% | 1,853 |
| Net charge-offs to loans | -0.0690% | 4,908 |
| Credit loss provision to net charge-offs | -113.2353% | 4,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8820% | 2,885 |
| Assets per employee ($millions) | 6.5385% | 1,251 |
| Cash dividends to net income (ytd only)* | 30.6430% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9569% | 3,795 |
| Loan loss allowance to noncurrent loans | 164.7300% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.4970% | 2,540 |
| Noncurrent loans to loans | 0.5809% | 2,545 |
| Net loans and leases to total assets | 80.0172% | 844 |
| Net loans and leases to deposits | 94.5164% | 1,174 |
| Net loans and leases to core deposits | 99.1769% | 1,726 |
| Total domestic deposits to total assets | 84.6596% | 2,554 |
| Equity capital to assets | 10.3901% | 3,646 |
| Core capital (leverage) ratio | 9.2667% | 4,407 |
| Tier 1 risk-based capital ratio | 11.5715% | 4,637 |
| Total risk-based capital ratio | 12.5778% | 4,650 |
| Memoranda: | ||
| Average total assets | $1,125,917,250 | 705 |
| Average earning assets | $1,053,695,000 | 690 |
| Average equity | $114,721,750 | 790 |
| Average total loans | $920,336,750 | 624 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1207% | 4,111 |
| Cost of funding earning assets | 0.8737% | 2,280 |
| Net interest margin | 3.2470% | 4,247 |
| Noninterest income to average assets | 0.6973% | 1,724 |
| Noninterest expense to average assets | 2.5094% | 3,442 |
| Loan and lease loss provision to assets | 0.0795% | 2,239 |
| Net operating income to assets | 0.9461% | 3,107 |
| Return on assets (ROA) | 0.9893% | 3,032 |
| Pretax return on assets | 1.2131% | 2,866 |
| Return on Equity (ROE) | 9.7747% | 2,495 |
| Retained earnings to average equity (ytd only) | 6.6688% | 1,967 |
| Net charge-offs to loans | -0.1330% | 5,061 |
| Credit loss provision to net charge-offs | -72.8314% | 3,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9632% | 2,807 |
| Assets per employee ($millions) | 6.3225% | 1,321 |
| Cash dividends to net income (ytd only)* | 31.7747% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 3,799 |
| Loan loss allowance to noncurrent loans | 175.5630% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.4882% | 2,588 |
| Noncurrent loans to loans | 0.5503% | 2,619 |
| Net loans and leases to total assets | 81.4035% | 684 |
| Net loans and leases to deposits | 95.5685% | 1,086 |
| Net loans and leases to core deposits | 100.6955% | 1,659 |
| Total domestic deposits to total assets | 85.1782% | 2,403 |
| Equity capital to assets | 10.3829% | 3,621 |
| Core capital (leverage) ratio | 9.0989% | 4,551 |
| Tier 1 risk-based capital ratio | 11.5390% | 4,665 |
| Total risk-based capital ratio | 12.5720% | 4,671 |
| Memoranda: | ||
| Average total assets | $1,119,809,670 | 704 |
| Average earning assets | $1,052,539,330 | 689 |
| Average equity | $113,333,000 | 795 |
| Average total loans | $918,970,670 | 624 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 4,062 |
| Cost of funding earning assets | 0.8600% | 2,207 |
| Net interest margin | 3.2652% | 4,241 |
| Noninterest income to average assets | 0.6953% | 1,631 |
| Noninterest expense to average assets | 2.5114% | 3,472 |
| Loan and lease loss provision to assets | 0.1046% | 1,692 |
| Net operating income to assets | 0.9378% | 3,102 |
| Return on assets (ROA) | 0.9384% | 3,138 |
| Pretax return on assets | 1.1480% | 2,984 |
| Return on Equity (ROE) | 9.3939% | 2,632 |
| Retained earnings to average equity (ytd only) | 6.2697% | 2,336 |
| Net charge-offs to loans | -0.2726% | 5,208 |
| Credit loss provision to net charge-offs | -46.8051% | 3,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7463% | 2,971 |
| Assets per employee ($millions) | 6.4306% | 1,268 |
| Cash dividends to net income (ytd only)* | 33.2572% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 3,960 |
| Loan loss allowance to noncurrent loans | 128.5253% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.6747% | 2,078 |
| Noncurrent loans to loans | 0.7400% | 2,172 |
| Net loans and leases to total assets | 81.4344% | 652 |
| Net loans and leases to deposits | 96.4474% | 925 |
| Net loans and leases to core deposits | 101.2383% | 1,519 |
| Total domestic deposits to total assets | 84.4340% | 2,876 |
| Equity capital to assets | 10.1240% | 3,699 |
| Core capital (leverage) ratio | 8.9731% | 4,671 |
| Tier 1 risk-based capital ratio | 11.3279% | 4,823 |
| Total risk-based capital ratio | 12.3500% | 4,841 |
| Memoranda: | ||
| Average total assets | $1,120,170,500 | 707 |
| Average earning assets | $1,052,560,000 | 691 |
| Average equity | $111,902,500 | 795 |
| Average total loans | $918,524,000 | 631 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0481% | 3,897 |
| Cost of funding earning assets | 0.6625% | 2,305 |
| Net interest margin | 3.3856% | 4,034 |
| Noninterest income to average assets | 0.7767% | 1,533 |
| Noninterest expense to average assets | 2.7279% | 2,937 |
| Loan and lease loss provision to assets | 0.1625% | 1,252 |
| Net operating income to assets | 0.8807% | 3,492 |
| Return on assets (ROA) | 0.9041% | 3,416 |
| Pretax return on assets | 1.0888% | 3,315 |
| Return on Equity (ROE) | 9.0050% | 2,990 |
| Retained earnings to average equity (ytd only) | 5.7006% | 2,361 |
| Net charge-offs to loans | 0.0773% | 2,018 |
| Credit loss provision to net charge-offs | 256.7608% | 1,166 |
| Earnings coverage of net charge-offs (x) | 19.3314% | 2,070 |
| Efficiency ratio | 67.9635% | 2,554 |
| Assets per employee ($millions) | 6.3717% | 1,282 |
| Cash dividends to net income (ytd only)* | 36.6954% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8539% | 4,348 |
| Loan loss allowance to noncurrent loans | 120.2180% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.7423% | 1,873 |
| Noncurrent loans to loans | 0.7103% | 2,216 |
| Net loans and leases to total assets | 81.0830% | 796 |
| Net loans and leases to deposits | 97.8935% | 912 |
| Net loans and leases to core deposits | 101.8119% | 1,594 |
| Total domestic deposits to total assets | 82.8277% | 3,384 |
| Equity capital to assets | 9.8558% | 3,811 |
| Core capital (leverage) ratio | 8.8306% | 4,789 |
| Tier 1 risk-based capital ratio | 11.1658% | 4,879 |
| Total risk-based capital ratio | 12.0862% | 4,938 |
| Memoranda: | ||
| Average total assets | $1,063,711,800 | 722 |
| Average earning assets | $997,313,000 | 707 |
| Average equity | $106,796,400 | 800 |
| Average total loans | $870,205,800 | 640 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0086% | 3,899 |
| Cost of funding earning assets | 0.6195% | 2,338 |
| Net interest margin | 3.3891% | 4,035 |
| Noninterest income to average assets | 0.7572% | 1,644 |
| Noninterest expense to average assets | 2.7205% | 2,917 |
| Loan and lease loss provision to assets | 0.1488% | 1,333 |
| Net operating income to assets | 0.8739% | 3,644 |
| Return on assets (ROA) | 0.8730% | 3,654 |
| Pretax return on assets | 1.0629% | 3,526 |
| Return on Equity (ROE) | 8.6524% | 3,263 |
| Retained earnings to average equity (ytd only) | 5.3136% | 3,054 |
| Net charge-offs to loans | 0.0312% | 2,466 |
| Credit loss provision to net charge-offs | 582.5871% | 613 |
| Earnings coverage of net charge-offs (x) | 47.4882% | 1,207 |
| Efficiency ratio | 68.0439% | 2,531 |
| Assets per employee ($millions) | 6.3174% | 1,278 |
| Cash dividends to net income (ytd only)* | 38.5881% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8540% | 4,445 |
| Loan loss allowance to noncurrent loans | 94.7632% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.7745% | 1,926 |
| Noncurrent loans to loans | 0.9011% | 1,895 |
| Net loans and leases to total assets | 81.8042% | 747 |
| Net loans and leases to deposits | 99.4137% | 835 |
| Net loans and leases to core deposits | 101.4649% | 1,653 |
| Total domestic deposits to total assets | 82.2866% | 3,528 |
| Equity capital to assets | 9.8059% | 3,814 |
| Core capital (leverage) ratio | 8.6629% | 4,992 |
| Tier 1 risk-based capital ratio | 10.9921% | 5,041 |
| Total risk-based capital ratio | 11.9106% | 5,099 |
| Memoranda: | ||
| Average total assets | $1,049,285,250 | 730 |
| Average earning assets | $983,356,250 | 719 |
| Average equity | $105,864,250 | 803 |
| Average total loans | $858,479,750 | 643 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9395% | 3,958 |
| Cost of funding earning assets | 0.5598% | 2,520 |
| Net interest margin | 3.3796% | 4,018 |
| Noninterest income to average assets | 0.7610% | 1,607 |
| Noninterest expense to average assets | 2.7578% | 2,814 |
| Loan and lease loss provision to assets | 0.1536% | 1,228 |
| Net operating income to assets | 0.8406% | 3,719 |
| Return on assets (ROA) | 0.8400% | 3,718 |
| Pretax return on assets | 1.0139% | 3,624 |
| Return on Equity (ROE) | 8.2435% | 3,395 |
| Retained earnings to average equity (ytd only) | 4.9495% | 3,101 |
| Net charge-offs to loans | 0.0446% | 1,973 |
| Credit loss provision to net charge-offs | 421.8085% | 791 |
| Earnings coverage of net charge-offs (x) | 32.0851% | 1,443 |
| Efficiency ratio | 69.0790% | 2,471 |
| Assets per employee ($millions) | 6.1260% | 1,383 |
| Cash dividends to net income (ytd only)* | 39.9585% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8384% | 4,579 |
| Loan loss allowance to noncurrent loans | 125.4845% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.5800% | 2,492 |
| Noncurrent loans to loans | 0.6681% | 2,439 |
| Net loans and leases to total assets | 79.6128% | 1,080 |
| Net loans and leases to deposits | 97.0253% | 1,037 |
| Net loans and leases to core deposits | 99.1598% | 1,802 |
| Total domestic deposits to total assets | 82.0536% | 3,703 |
| Equity capital to assets | 9.6826% | 3,930 |
| Core capital (leverage) ratio | 8.9805% | 4,706 |
| Tier 1 risk-based capital ratio | 11.0201% | 5,045 |
| Total risk-based capital ratio | 11.9179% | 5,100 |
| Memoranda: | ||
| Average total assets | $1,032,638,000 | 743 |
| Average earning assets | $967,082,670 | 728 |
| Average equity | $105,222,670 | 809 |
| Average total loans | $842,320,000 | 657 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9760% | 3,705 |
| Cost of funding earning assets | 0.4926% | 2,854 |
| Net interest margin | 3.4833% | 3,593 |
| Noninterest income to average assets | 0.7635% | 1,572 |
| Noninterest expense to average assets | 2.7925% | 2,712 |
| Loan and lease loss provision to assets | 0.1303% | 1,450 |
| Net operating income to assets | 0.8919% | 3,329 |
| Return on assets (ROA) | 0.8870% | 3,358 |
| Pretax return on assets | 1.0909% | 3,205 |
| Return on Equity (ROE) | 8.4738% | 3,157 |
| Retained earnings to average equity (ytd only) | 5.4952% | 2,953 |
| Net charge-offs to loans | 0.0214% | 2,073 |
| Credit loss provision to net charge-offs | 740.9091% | 460 |
| Earnings coverage of net charge-offs (x) | 69.7727% | 774 |
| Efficiency ratio | 68.2776% | 2,789 |
| Assets per employee ($millions) | 5.6685% | 1,791 |
| Cash dividends to net income (ytd only)* | 35.1510% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8428% | 4,668 |
| Loan loss allowance to noncurrent loans | 138.5552% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.5678% | 2,622 |
| Noncurrent loans to loans | 0.6083% | 2,723 |
| Net loans and leases to total assets | 81.8371% | 683 |
| Net loans and leases to deposits | 99.5242% | 744 |
| Net loans and leases to core deposits | 107.7229% | 1,142 |
| Total domestic deposits to total assets | 82.2284% | 3,893 |
| Equity capital to assets | 10.3570% | 3,213 |
| Core capital (leverage) ratio | 9.2728% | 4,354 |
| Tier 1 risk-based capital ratio | 11.4226% | 4,896 |
| Total risk-based capital ratio | 12.3245% | 4,994 |
| Memoranda: | ||
| Average total assets | $1,000,677,000 | 762 |
| Average earning assets | $935,422,000 | 749 |
| Average equity | $104,746,500 | 813 |
| Average total loans | $823,288,500 | 672 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9542% | 3,556 |
| Cost of funding earning assets | 0.4030% | 3,226 |
| Net interest margin | 3.5512% | 3,338 |
| Noninterest income to average assets | 0.6475% | 2,212 |
| Noninterest expense to average assets | 2.8013% | 2,772 |
| Loan and lease loss provision to assets | 0.1059% | 2,115 |
| Net operating income to assets | 0.7125% | 3,547 |
| Return on assets (ROA) | 0.7251% | 3,533 |
| Pretax return on assets | 1.0713% | 3,294 |
| Return on Equity (ROE) | 6.7727% | 3,400 |
| Retained earnings to average equity (ytd only) | 3.1929% | 3,391 |
| Net charge-offs to loans | 0.0473% | 2,837 |
| Credit loss provision to net charge-offs | 274.9326% | 1,017 |
| Earnings coverage of net charge-offs (x) | 30.0782% | 1,545 |
| Efficiency ratio | 69.3421% | 2,647 |
| Assets per employee ($millions) | 5.4816% | 1,953 |
| Cash dividends to net income (ytd only)* | 52.8569% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8374% | 4,707 |
| Loan loss allowance to noncurrent loans | 102.1405% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.7452% | 2,105 |
| Noncurrent loans to loans | 0.8199% | 2,165 |
| Net loans and leases to total assets | 81.3195% | 775 |
| Net loans and leases to deposits | 98.0879% | 897 |
| Net loans and leases to core deposits | 106.0968% | 1,258 |
| Total domestic deposits to total assets | 82.9047% | 3,596 |
| Equity capital to assets | 10.5812% | 3,076 |
| Core capital (leverage) ratio | 9.2483% | 4,349 |
| Tier 1 risk-based capital ratio | 11.6373% | 4,765 |
| Total risk-based capital ratio | 12.5385% | 4,864 |
| Memoranda: | ||
| Average total assets | $963,065,000 | 769 |
| Average earning assets | $898,317,800 | 753 |
| Average equity | $103,104,800 | 800 |
| Average total loans | $783,917,600 | 671 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9360% | 3,571 |
| Cost of funding earning assets | 0.3934% | 3,264 |
| Net interest margin | 3.5426% | 3,343 |
| Noninterest income to average assets | 0.7845% | 1,637 |
| Noninterest expense to average assets | 2.8379% | 2,604 |
| Loan and lease loss provision to assets | 0.1328% | 1,635 |
| Net operating income to assets | 0.8050% | 3,503 |
| Return on assets (ROA) | 0.8036% | 3,555 |
| Pretax return on assets | 1.1162% | 3,245 |
| Return on Equity (ROE) | 7.4838% | 3,397 |
| Retained earnings to average equity (ytd only) | 3.8074% | 3,653 |
| Net charge-offs to loans | 0.1005% | 1,780 |
| Credit loss provision to net charge-offs | 162.6280% | 1,580 |
| Earnings coverage of net charge-offs (x) | 15.3243% | 2,238 |
| Efficiency ratio | 68.0612% | 2,861 |
| Assets per employee ($millions) | 5.5961% | 1,833 |
| Cash dividends to net income (ytd only)* | 49.1246% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8208% | 4,837 |
| Loan loss allowance to noncurrent loans | 78.1280% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.2515% | 1,301 |
| Noncurrent loans to loans | 1.0506% | 1,842 |
| Net loans and leases to total assets | 80.1270% | 970 |
| Net loans and leases to deposits | 93.9999% | 1,305 |
| Net loans and leases to core deposits | 101.7612% | 1,565 |
| Total domestic deposits to total assets | 85.2416% | 2,622 |
| Equity capital to assets | 10.6562% | 3,207 |
| Core capital (leverage) ratio | 9.1991% | 4,519 |
| Tier 1 risk-based capital ratio | 11.8712% | 4,716 |
| Total risk-based capital ratio | 12.7668% | 4,843 |
| Memoranda: | ||
| Average total assets | $957,158,500 | 780 |
| Average earning assets | $892,761,250 | 760 |
| Average equity | $102,780,000 | 801 |
| Average total loans | $777,610,000 | 677 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9955% | 3,216 |
| Cost of funding earning assets | 0.3767% | 3,316 |
| Net interest margin | 3.6188% | 2,954 |
| Noninterest income to average assets | 0.7993% | 1,572 |
| Noninterest expense to average assets | 2.8862% | 2,470 |
| Loan and lease loss provision to assets | 0.1508% | 1,341 |
| Net operating income to assets | 0.8295% | 3,250 |
| Return on assets (ROA) | 0.8274% | 3,316 |
| Pretax return on assets | 1.1356% | 3,027 |
| Return on Equity (ROE) | 7.6848% | 3,207 |
| Retained earnings to average equity (ytd only) | 4.3128% | 3,140 |
| Net charge-offs to loans | 0.0905% | 1,706 |
| Credit loss provision to net charge-offs | 204.5714% | 1,251 |
| Earnings coverage of net charge-offs (x) | 17.4943% | 1,920 |
| Efficiency ratio | 67.8451% | 3,040 |
| Assets per employee ($millions) | 5.3545% | 2,006 |
| Cash dividends to net income (ytd only)* | 43.8788% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8336% | 4,863 |
| Loan loss allowance to noncurrent loans | 82.8717% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 1.1996% | 1,416 |
| Noncurrent loans to loans | 1.0059% | 1,950 |
| Net loans and leases to total assets | 79.2634% | 1,055 |
| Net loans and leases to deposits | 94.9095% | 1,186 |
| Net loans and leases to core deposits | 103.2964% | 1,413 |
| Total domestic deposits to total assets | 83.5147% | 3,396 |
| Equity capital to assets | 10.6264% | 3,200 |
| Core capital (leverage) ratio | 9.5293% | 4,106 |
| Tier 1 risk-based capital ratio | 11.8093% | 4,754 |
| Total risk-based capital ratio | 12.7004% | 4,885 |
| Memoranda: | ||
| Average total assets | $949,772,330 | 787 |
| Average earning assets | $886,090,000 | 775 |
| Average equity | $102,254,000 | 807 |
| Average total loans | $773,083,000 | 682 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0729% | 2,760 |
| Cost of funding earning assets | 0.3659% | 3,359 |
| Net interest margin | 3.7070% | 2,463 |
| Noninterest income to average assets | 0.7920% | 1,585 |
| Noninterest expense to average assets | 3.0732% | 1,945 |
| Loan and lease loss provision to assets | 0.1502% | 1,232 |
| Net operating income to assets | 0.7412% | 3,514 |
| Return on assets (ROA) | 0.7412% | 3,566 |
| Pretax return on assets | 1.0275% | 3,250 |
| Return on Equity (ROE) | 6.8384% | 3,474 |
| Retained earnings to average equity (ytd only) | 3.3228% | 3,774 |
| Net charge-offs to loans | 0.1008% | 1,366 |
| Credit loss provision to net charge-offs | 181.4433% | 1,083 |
| Earnings coverage of net charge-offs (x) | 14.2268% | 1,734 |
| Efficiency ratio | 71.0199% | 2,731 |
| Assets per employee ($millions) | 5.4619% | 1,928 |
| Cash dividends to net income (ytd only)* | 51.4105% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8152% | 5,027 |
| Loan loss allowance to noncurrent loans | 89.0353% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 1.1594% | 1,523 |
| Noncurrent loans to loans | 0.9156% | 2,207 |
| Net loans and leases to total assets | 81.4008% | 638 |
| Net loans and leases to deposits | 98.6127% | 717 |
| Net loans and leases to core deposits | 107.2465% | 1,023 |
| Total domestic deposits to total assets | 82.5459% | 3,993 |
| Equity capital to assets | 10.8637% | 2,787 |
| Core capital (leverage) ratio | 9.5860% | 4,021 |
| Tier 1 risk-based capital ratio | 12.0333% | 4,691 |
| Total risk-based capital ratio | 12.9092% | 4,835 |
| Memoranda: | ||
| Average total assets | $937,395,500 | 802 |
| Average earning assets | $874,670,000 | 788 |
| Average equity | $101,602,500 | 808 |
| Average total loans | $770,157,000 | 682 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0638% | 2,978 |
| Cost of funding earning assets | 0.3811% | 3,191 |
| Net interest margin | 3.6827% | 2,767 |
| Noninterest income to average assets | 0.7429% | 1,983 |
| Noninterest expense to average assets | 2.8991% | 2,676 |
| Loan and lease loss provision to assets | 0.2011% | 1,148 |
| Net operating income to assets | 0.7950% | 3,331 |
| Return on assets (ROA) | 0.8430% | 3,209 |
| Pretax return on assets | 1.1290% | 2,971 |
| Return on Equity (ROE) | 7.7110% | 3,108 |
| Retained earnings to average equity (ytd only) | 4.2109% | 2,911 |
| Net charge-offs to loans | 0.1942% | 1,425 |
| Credit loss provision to net charge-offs | 126.8141% | 2,107 |
| Earnings coverage of net charge-offs (x) | 7.9827% | 2,941 |
| Efficiency ratio | 68.0211% | 3,225 |
| Assets per employee ($millions) | 5.5746% | 1,805 |
| Cash dividends to net income (ytd only)* | 45.3907% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7936% | 5,122 |
| Loan loss allowance to noncurrent loans | 65.3253% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 1.4006% | 1,221 |
| Noncurrent loans to loans | 1.2149% | 1,691 |
| Net loans and leases to total assets | 81.4739% | 673 |
| Net loans and leases to deposits | 97.1602% | 899 |
| Net loans and leases to core deposits | 106.1521% | 1,119 |
| Total domestic deposits to total assets | 83.8552% | 3,481 |
| Equity capital to assets | 10.8450% | 2,767 |
| Core capital (leverage) ratio | 9.5547% | 4,019 |
| Tier 1 risk-based capital ratio | 12.4876% | 4,379 |
| Total risk-based capital ratio | 13.3800% | 4,513 |
| Memoranda: | ||
| Average total assets | $912,325,800 | 789 |
| Average earning assets | $847,810,200 | 774 |
| Average equity | $99,740,200 | 789 |
| Average total loans | $745,025,400 | 670 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0845% | 2,934 |
| Cost of funding earning assets | 0.3792% | 3,237 |
| Net interest margin | 3.7053% | 2,702 |
| Noninterest income to average assets | 0.7850% | 1,825 |
| Noninterest expense to average assets | 2.8921% | 2,666 |
| Loan and lease loss provision to assets | 0.1960% | 1,097 |
| Net operating income to assets | 0.8470% | 3,170 |
| Return on assets (ROA) | 0.8643% | 3,208 |
| Pretax return on assets | 1.1599% | 3,001 |
| Return on Equity (ROE) | 7.8897% | 3,064 |
| Retained earnings to average equity (ytd only) | 4.3269% | 3,244 |
| Net charge-offs to loans | 0.2087% | 1,118 |
| Credit loss provision to net charge-offs | 115.1253% | 2,160 |
| Earnings coverage of net charge-offs (x) | 7.8297% | 2,838 |
| Efficiency ratio | 66.8698% | 3,446 |
| Assets per employee ($millions) | 5.5599% | 1,794 |
| Cash dividends to net income (ytd only)* | 45.1574% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7749% | 5,259 |
| Loan loss allowance to noncurrent loans | 50.4755% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 1.5612% | 1,128 |
| Noncurrent loans to loans | 1.5352% | 1,412 |
| Net loans and leases to total assets | 81.2551% | 725 |
| Net loans and leases to deposits | 95.5467% | 1,094 |
| Net loans and leases to core deposits | 104.7233% | 1,290 |
| Total domestic deposits to total assets | 85.0422% | 2,787 |
| Equity capital to assets | 10.8684% | 3,174 |
| Core capital (leverage) ratio | 9.3013% | 4,456 |
| Tier 1 risk-based capital ratio | 12.0937% | 4,727 |
| Total risk-based capital ratio | 12.9412% | 4,886 |
| Memoranda: | ||
| Average total assets | $906,274,500 | 796 |
| Average earning assets | $841,337,500 | 782 |
| Average equity | $99,283,500 | 796 |
| Average total loans | $738,998,750 | 678 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0979% | 2,871 |
| Cost of funding earning assets | 0.3749% | 3,303 |
| Net interest margin | 3.7230% | 2,605 |
| Noninterest income to average assets | 0.7745% | 1,828 |
| Noninterest expense to average assets | 2.9484% | 2,523 |
| Loan and lease loss provision to assets | 0.2198% | 950 |
| Net operating income to assets | 0.8057% | 3,283 |
| Return on assets (ROA) | 0.8306% | 3,306 |
| Pretax return on assets | 1.0967% | 3,207 |
| Return on Equity (ROE) | 7.5613% | 3,228 |
| Retained earnings to average equity (ytd only) | 3.9964% | 3,361 |
| Net charge-offs to loans | 0.2697% | 884 |
| Credit loss provision to net charge-offs | 100.1013% | 2,086 |
| Earnings coverage of net charge-offs (x) | 5.8460% | 2,810 |
| Efficiency ratio | 68.0511% | 3,335 |
| Assets per employee ($millions) | 5.1325% | 2,160 |
| Cash dividends to net income (ytd only)* | 47.1471% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7571% | 5,382 |
| Loan loss allowance to noncurrent loans | 39.2208% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 1.5958% | 1,161 |
| Noncurrent loans to loans | 1.9304% | 1,045 |
| Net loans and leases to total assets | 82.0426% | 624 |
| Net loans and leases to deposits | 98.9869% | 785 |
| Net loans and leases to core deposits | 108.3735% | 1,017 |
| Total domestic deposits to total assets | 82.8822% | 3,699 |
| Equity capital to assets | 10.9288% | 3,136 |
| Core capital (leverage) ratio | 9.5837% | 4,088 |
| Tier 1 risk-based capital ratio | 11.8739% | 4,926 |
| Total risk-based capital ratio | 12.7021% | 5,074 |
| Memoranda: | ||
| Average total assets | $898,863,330 | 803 |
| Average earning assets | $834,818,000 | 789 |
| Average equity | $98,740,000 | 801 |
| Average total loans | $731,881,000 | 684 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1515% | 2,646 |
| Cost of funding earning assets | 0.3695% | 3,401 |
| Net interest margin | 3.7820% | 2,365 |
| Noninterest income to average assets | 0.7399% | 1,858 |
| Noninterest expense to average assets | 3.0317% | 2,294 |
| Loan and lease loss provision to assets | 0.2077% | 941 |
| Net operating income to assets | 0.7719% | 3,386 |
| Return on assets (ROA) | 0.7726% | 3,486 |
| Pretax return on assets | 1.0095% | 3,444 |
| Return on Equity (ROE) | 7.0151% | 3,445 |
| Retained earnings to average equity (ytd only) | 3.2102% | 3,895 |
| Net charge-offs to loans | 0.1683% | 1,130 |
| Credit loss provision to net charge-offs | 152.8053% | 1,258 |
| Earnings coverage of net charge-offs (x) | 8.9472% | 2,021 |
| Efficiency ratio | 69.7296% | 3,177 |
| Assets per employee ($millions) | 5.2771% | 2,054 |
| Cash dividends to net income (ytd only)* | 54.2393% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7997% | 5,361 |
| Loan loss allowance to noncurrent loans | 34.9219% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 1.8870% | 953 |
| Noncurrent loans to loans | 2.2900% | 876 |
| Net loans and leases to total assets | 81.7456% | 594 |
| Net loans and leases to deposits | 96.1174% | 932 |
| Net loans and leases to core deposits | 104.4351% | 1,166 |
| Total domestic deposits to total assets | 85.0477% | 3,117 |
| Equity capital to assets | 11.0541% | 2,881 |
| Core capital (leverage) ratio | 9.5111% | 4,177 |
| Tier 1 risk-based capital ratio | 11.6849% | 5,114 |
| Total risk-based capital ratio | 12.5268% | 5,259 |
| Memoranda: | ||
| Average total assets | $891,506,000 | 817 |
| Average earning assets | $826,978,500 | 804 |
| Average equity | $98,188,500 | 804 |
| Average total loans | $720,201,000 | 692 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2822% | 2,273 |
| Cost of funding earning assets | 0.3724% | 3,456 |
| Net interest margin | 3.9098% | 1,991 |
| Noninterest income to average assets | 0.7892% | 1,830 |
| Noninterest expense to average assets | 2.8831% | 2,923 |
| Loan and lease loss provision to assets | 0.1048% | 2,236 |
| Net operating income to assets | 0.9891% | 2,423 |
| Return on assets (ROA) | 1.0044% | 2,432 |
| Pretax return on assets | 1.4335% | 1,772 |
| Return on Equity (ROE) | 9.2165% | 2,362 |
| Retained earnings to average equity (ytd only) | 6.3411% | 1,635 |
| Net charge-offs to loans | 0.0812% | 2,669 |
| Credit loss provision to net charge-offs | 164.0429% | 1,638 |
| Earnings coverage of net charge-offs (x) | 23.7442% | 1,712 |
| Efficiency ratio | 63.8406% | 4,305 |
| Assets per employee ($millions) | 5.2733% | 2,035 |
| Cash dividends to net income (ytd only)* | 31.1988% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8102% | 5,384 |
| Loan loss allowance to noncurrent loans | 35.3407% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 1.8149% | 1,046 |
| Noncurrent loans to loans | 2.2926% | 837 |
| Net loans and leases to total assets | 78.5224% | 1,053 |
| Net loans and leases to deposits | 92.4236% | 1,354 |
| Net loans and leases to core deposits | 100.8090% | 1,452 |
| Total domestic deposits to total assets | 84.9592% | 3,111 |
| Equity capital to assets | 10.9735% | 2,849 |
| Core capital (leverage) ratio | 9.3660% | 4,377 |
| Tier 1 risk-based capital ratio | 12.2313% | 4,809 |
| Total risk-based capital ratio | 13.0986% | 4,958 |
| Memoranda: | ||
| Average total assets | $875,343,800 | 785 |
| Average earning assets | $808,272,600 | 775 |
| Average equity | $95,393,800 | 797 |
| Average total loans | $688,806,000 | 675 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2874% | 2,277 |
| Cost of funding earning assets | 0.3751% | 3,489 |
| Net interest margin | 3.9123% | 1,991 |
| Noninterest income to average assets | 0.7756% | 1,902 |
| Noninterest expense to average assets | 2.8966% | 2,858 |
| Loan and lease loss provision to assets | 0.0996% | 2,185 |
| Net operating income to assets | 0.9787% | 2,579 |
| Return on assets (ROA) | 0.9993% | 2,563 |
| Pretax return on assets | 1.4204% | 1,929 |
| Return on Equity (ROE) | 9.1860% | 2,478 |
| Retained earnings to average equity (ytd only) | 6.4785% | 1,973 |
| Net charge-offs to loans | 0.0682% | 2,589 |
| Credit loss provision to net charge-offs | 186.0000% | 1,424 |
| Earnings coverage of net charge-offs (x) | 27.8340% | 1,570 |
| Efficiency ratio | 64.3009% | 4,192 |
| Assets per employee ($millions) | 5.2879% | 1,964 |
| Cash dividends to net income (ytd only)* | 29.4748% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8155% | 5,479 |
| Loan loss allowance to noncurrent loans | 34.4347% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 1.8359% | 1,154 |
| Noncurrent loans to loans | 2.3682% | 883 |
| Net loans and leases to total assets | 76.1192% | 1,372 |
| Net loans and leases to deposits | 89.3347% | 1,735 |
| Net loans and leases to core deposits | 97.4487% | 1,751 |
| Total domestic deposits to total assets | 85.2067% | 2,929 |
| Equity capital to assets | 10.6822% | 3,378 |
| Core capital (leverage) ratio | 9.3023% | 4,581 |
| Tier 1 risk-based capital ratio | 11.7660% | 5,226 |
| Total risk-based capital ratio | 12.6179% | 5,359 |
| Memoranda: | ||
| Average total assets | $871,383,000 | 795 |
| Average earning assets | $804,415,250 | 783 |
| Average equity | $94,793,750 | 810 |
| Average total loans | $684,633,250 | 681 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3427% | 2,036 |
| Cost of funding earning assets | 0.3799% | 3,495 |
| Net interest margin | 3.9629% | 1,771 |
| Noninterest income to average assets | 0.7754% | 1,898 |
| Noninterest expense to average assets | 2.9862% | 2,600 |
| Loan and lease loss provision to assets | -0.0081% | 5,957 |
| Net operating income to assets | 1.0143% | 2,317 |
| Return on assets (ROA) | 1.0446% | 2,272 |
| Pretax return on assets | 1.4925% | 1,670 |
| Return on Equity (ROE) | 9.5419% | 2,283 |
| Retained earnings to average equity (ytd only) | 7.5567% | 1,446 |
| Net charge-offs to loans | 0.0869% | 2,170 |
| Credit loss provision to net charge-offs | -11.8243% | 4,698 |
| Earnings coverage of net charge-offs (x) | 20.9459% | 1,695 |
| Efficiency ratio | 65.7006% | 4,067 |
| Assets per employee ($millions) | 5.0938% | 2,149 |
| Cash dividends to net income (ytd only)* | 20.8055% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7406% | 5,732 |
| Loan loss allowance to noncurrent loans | 34.3495% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 1.7420% | 1,346 |
| Noncurrent loans to loans | 2.1561% | 1,111 |
| Net loans and leases to total assets | 78.7622% | 967 |
| Net loans and leases to deposits | 92.9407% | 1,260 |
| Net loans and leases to core deposits | 102.2605% | 1,310 |
| Total domestic deposits to total assets | 84.7445% | 3,239 |
| Equity capital to assets | 11.0861% | 2,799 |
| Core capital (leverage) ratio | 9.4009% | 4,415 |
| Tier 1 risk-based capital ratio | 12.1159% | 5,069 |
| Total risk-based capital ratio | 12.9130% | 5,278 |
| Memoranda: | ||
| Average total assets | $860,434,670 | 809 |
| Average earning assets | $792,913,330 | 799 |
| Average equity | $94,194,670 | 821 |
| Average total loans | $681,527,670 | 678 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3791% | 1,843 |
| Cost of funding earning assets | 0.3783% | 3,548 |
| Net interest margin | 4.0008% | 1,548 |
| Noninterest income to average assets | 0.7300% | 2,022 |
| Noninterest expense to average assets | 3.0638% | 2,383 |
| Loan and lease loss provision to assets | -0.0930% | 6,199 |
| Net operating income to assets | 1.0233% | 2,150 |
| Return on assets (ROA) | 1.0811% | 2,048 |
| Pretax return on assets | 1.5242% | 1,484 |
| Return on Equity (ROE) | 9.9386% | 2,034 |
| Retained earnings to average equity (ytd only) | 9.7676% | 980 |
| Net charge-offs to loans | -0.0141% | 4,884 |
| Credit loss provision to net charge-offs | 833.3333% | 373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6464% | 3,884 |
| Assets per employee ($millions) | 5.3069% | 1,987 |
| Cash dividends to net income (ytd only)* | 1.7204% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7596% | 5,789 |
| Loan loss allowance to noncurrent loans | 37.0143% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 1.7196% | 1,453 |
| Noncurrent loans to loans | 2.0521% | 1,266 |
| Net loans and leases to total assets | 78.2703% | 882 |
| Net loans and leases to deposits | 92.2901% | 1,150 |
| Net loans and leases to core deposits | 99.6368% | 1,345 |
| Total domestic deposits to total assets | 84.8090% | 3,503 |
| Equity capital to assets | 10.9381% | 3,040 |
| Core capital (leverage) ratio | 9.2798% | 4,611 |
| Tier 1 risk-based capital ratio | 11.5891% | 5,501 |
| Total risk-based capital ratio | 12.3914% | 5,659 |
| Memoranda: | ||
| Average total assets | $860,226,500 | 813 |
| Average earning assets | $792,041,000 | 804 |
| Average equity | $93,574,500 | 826 |
| Average total loans | $680,749,500 | 682 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7693% | 4,583 |
| Cost of funding earning assets | 0.4493% | 3,177 |
| Net interest margin | 3.3200% | 4,511 |
| Noninterest income to average assets | 0.9226% | 1,431 |
| Noninterest expense to average assets | 3.1861% | 2,248 |
| Loan and lease loss provision to assets | 0.1723% | 1,509 |
| Net operating income to assets | 0.5159% | 4,750 |
| Return on assets (ROA) | 0.5159% | 4,832 |
| Pretax return on assets | 0.6224% | 4,863 |
| Return on Equity (ROE) | 4.8613% | 4,730 |
| Retained earnings to average equity (ytd only) | 1.7965% | 4,913 |
| Net charge-offs to loans | 0.0915% | 3,192 |
| Credit loss provision to net charge-offs | 247.5983% | 1,029 |
| Earnings coverage of net charge-offs (x) | 11.4214% | 2,489 |
| Efficiency ratio | 78.9299% | 2,072 |
| Assets per employee ($millions) | 5.1223% | 2,164 |
| Cash dividends to net income (ytd only)* | 63.0448% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7888% | 5,806 |
| Loan loss allowance to noncurrent loans | 54.1814% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 1.2732% | 2,216 |
| Noncurrent loans to loans | 1.4559% | 2,017 |
| Net loans and leases to total assets | 78.7795% | 906 |
| Net loans and leases to deposits | 92.9650% | 1,186 |
| Net loans and leases to core deposits | 101.2284% | 1,298 |
| Total domestic deposits to total assets | 84.7410% | 3,401 |
| Equity capital to assets | 10.8170% | 3,103 |
| Core capital (leverage) ratio | 10.9537% | 2,449 |
| Tier 1 risk-based capital ratio | 11.8641% | 5,453 |
| Total risk-based capital ratio | 12.7531% | 5,577 |
| Memoranda: | ||
| Average total assets | $658,242,600 | 1,018 |
| Average earning assets | $606,324,200 | 1,010 |
| Average equity | $69,857,200 | 1,053 |
| Average total loans | $500,569,200 | 892 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9075% | 4,150 |
| Cost of funding earning assets | 0.4804% | 2,953 |
| Net interest margin | 3.4270% | 4,120 |
| Noninterest income to average assets | 1.0100% | 1,203 |
| Noninterest expense to average assets | 3.1849% | 2,220 |
| Loan and lease loss provision to assets | 0.2122% | 1,088 |
| Net operating income to assets | 0.6271% | 4,317 |
| Return on assets (ROA) | 0.6271% | 4,419 |
| Pretax return on assets | 0.7696% | 4,466 |
| Return on Equity (ROE) | 5.9490% | 4,264 |
| Retained earnings to average equity (ytd only) | 1.5807% | 5,252 |
| Net charge-offs to loans | 0.0784% | 3,082 |
| Credit loss provision to net charge-offs | 361.5672% | 780 |
| Earnings coverage of net charge-offs (x) | 16.7316% | 1,946 |
| Efficiency ratio | 75.4230% | 2,589 |
| Assets per employee ($millions) | 4.6241% | 2,776 |
| Cash dividends to net income (ytd only)* | 73.4288% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1519% | 4,490 |
| Loan loss allowance to noncurrent loans | 62.6732% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 1.3982% | 2,207 |
| Noncurrent loans to loans | 1.8380% | 1,745 |
| Net loans and leases to total assets | 72.3861% | 1,786 |
| Net loans and leases to deposits | 86.7524% | 1,824 |
| Net loans and leases to core deposits | 97.1904% | 1,578 |
| Total domestic deposits to total assets | 83.4399% | 3,977 |
| Equity capital to assets | 10.2663% | 3,834 |
| Core capital (leverage) ratio | 8.2571% | 5,878 |
| Tier 1 risk-based capital ratio | 12.3820% | 5,242 |
| Total risk-based capital ratio | 13.7715% | 5,093 |
| Memoranda: | ||
| Average total assets | $608,947,750 | 1,100 |
| Average earning assets | $560,896,500 | 1,092 |
| Average equity | $64,188,750 | 1,149 |
| Average total loans | $455,897,750 | 972 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9905% | 3,760 |
| Cost of funding earning assets | 0.4813% | 3,013 |
| Net interest margin | 3.5093% | 3,746 |
| Noninterest income to average assets | 1.0287% | 1,125 |
| Noninterest expense to average assets | 3.3083% | 1,904 |
| Loan and lease loss provision to assets | 0.2173% | 1,079 |
| Net operating income to assets | 0.5384% | 4,656 |
| Return on assets (ROA) | 0.5384% | 4,751 |
| Pretax return on assets | 0.7303% | 4,534 |
| Return on Equity (ROE) | 5.0606% | 4,643 |
| Retained earnings to average equity (ytd only) | 0.5741% | 5,513 |
| Net charge-offs to loans | 0.1026% | 2,656 |
| Credit loss provision to net charge-offs | 280.6034% | 906 |
| Earnings coverage of net charge-offs (x) | 12.2371% | 2,079 |
| Efficiency ratio | 76.8097% | 2,484 |
| Assets per employee ($millions) | 4.5367% | 2,867 |
| Cash dividends to net income (ytd only)* | 88.6547% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1050% | 4,886 |
| Loan loss allowance to noncurrent loans | 61.3442% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 1.3988% | 2,339 |
| Noncurrent loans to loans | 1.8013% | 1,899 |
| Net loans and leases to total assets | 73.4688% | 1,510 |
| Net loans and leases to deposits | 88.1786% | 1,575 |
| Net loans and leases to core deposits | 98.0429% | 1,437 |
| Total domestic deposits to total assets | 83.3181% | 4,185 |
| Equity capital to assets | 10.4044% | 3,554 |
| Core capital (leverage) ratio | 8.7378% | 5,353 |
| Tier 1 risk-based capital ratio | 12.2035% | 5,415 |
| Total risk-based capital ratio | 13.5293% | 5,289 |
| Memoranda: | ||
| Average total assets | $599,222,000 | 1,111 |
| Average earning assets | $551,053,670 | 1,108 |
| Average equity | $63,747,670 | 1,152 |
| Average total loans | $452,098,000 | 976 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0245% | 3,592 |
| Cost of funding earning assets | 0.4949% | 2,958 |
| Net interest margin | 3.5296% | 3,573 |
| Noninterest income to average assets | 0.9645% | 1,214 |
| Noninterest expense to average assets | 3.4159% | 1,659 |
| Loan and lease loss provision to assets | 0.2292% | 967 |
| Net operating income to assets | 0.4183% | 5,048 |
| Return on assets (ROA) | 0.4183% | 5,117 |
| Pretax return on assets | 0.5646% | 4,967 |
| Return on Equity (ROE) | 3.8870% | 5,095 |
| Retained earnings to average equity (ytd only) | -1.4600% | 5,793 |
| Net charge-offs to loans | 0.1136% | 2,042 |
| Credit loss provision to net charge-offs | 265.3543% | 869 |
| Earnings coverage of net charge-offs (x) | 9.1890% | 1,958 |
| Efficiency ratio | 80.2391% | 2,175 |
| Assets per employee ($millions) | 4.7182% | 2,640 |
| Cash dividends to net income (ytd only)* | 137.5610% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 5,192 |
| Loan loss allowance to noncurrent loans | 60.0319% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 1.4456% | 2,454 |
| Noncurrent loans to loans | 1.8047% | 2,131 |
| Net loans and leases to total assets | 75.7309% | 1,035 |
| Net loans and leases to deposits | 91.5445% | 988 |
| Net loans and leases to core deposits | 102.9053% | 931 |
| Total domestic deposits to total assets | 82.7258% | 4,703 |
| Equity capital to assets | 10.8120% | 2,924 |
| Core capital (leverage) ratio | 8.8835% | 5,161 |
| Tier 1 risk-based capital ratio | 12.4898% | 5,319 |
| Total risk-based capital ratio | 13.7972% | 5,225 |
| Memoranda: | ||
| Average total assets | $588,071,000 | 1,139 |
| Average earning assets | $540,692,000 | 1,131 |
| Average equity | $63,288,500 | 1,160 |
| Average total loans | $447,283,000 | 983 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9826% | 4,142 |
| Cost of funding earning assets | 0.5675% | 2,950 |
| Net interest margin | 3.4151% | 4,220 |
| Noninterest income to average assets | 1.0402% | 1,298 |
| Noninterest expense to average assets | 3.1024% | 2,726 |
| Loan and lease loss provision to assets | 0.1797% | 2,054 |
| Net operating income to assets | 0.7500% | 3,552 |
| Return on assets (ROA) | 0.7500% | 3,646 |
| Pretax return on assets | 0.9032% | 3,753 |
| Return on Equity (ROE) | 7.2097% | 3,451 |
| Retained earnings to average equity (ytd only) | 3.7620% | 3,532 |
| Net charge-offs to loans | 0.1771% | 3,058 |
| Credit loss provision to net charge-offs | 143.4724% | 1,624 |
| Earnings coverage of net charge-offs (x) | 8.6474% | 2,634 |
| Efficiency ratio | 73.2332% | 3,256 |
| Assets per employee ($millions) | 4.3116% | 3,248 |
| Cash dividends to net income (ytd only)* | 47.8202% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0570% | 5,317 |
| Loan loss allowance to noncurrent loans | 65.2774% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 1.2878% | 2,845 |
| Noncurrent loans to loans | 1.6193% | 2,477 |
| Net loans and leases to total assets | 74.7568% | 1,248 |
| Net loans and leases to deposits | 90.0715% | 1,236 |
| Net loans and leases to core deposits | 101.5931% | 1,054 |
| Total domestic deposits to total assets | 82.9971% | 4,544 |
| Equity capital to assets | 10.7118% | 2,924 |
| Core capital (leverage) ratio | 8.9564% | 5,067 |
| Tier 1 risk-based capital ratio | 12.6271% | 5,214 |
| Total risk-based capital ratio | 13.8718% | 5,165 |
| Memoranda: | ||
| Average total assets | $593,351,200 | 1,120 |
| Average earning assets | $546,429,400 | 1,107 |
| Average equity | $61,722,800 | 1,169 |
| Average total loans | $419,516,400 | 1,018 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9578% | 4,288 |
| Cost of funding earning assets | 0.5828% | 2,972 |
| Net interest margin | 3.3750% | 4,384 |
| Noninterest income to average assets | 1.0589% | 1,301 |
| Noninterest expense to average assets | 3.1102% | 2,621 |
| Loan and lease loss provision to assets | 0.1963% | 1,859 |
| Net operating income to assets | 0.7053% | 3,830 |
| Return on assets (ROA) | 0.7053% | 3,966 |
| Pretax return on assets | 0.8610% | 4,046 |
| Return on Equity (ROE) | 6.8302% | 3,748 |
| Retained earnings to average equity (ytd only) | 3.3587% | 4,291 |
| Net charge-offs to loans | 0.1866% | 2,730 |
| Credit loss provision to net charge-offs | 151.2953% | 1,557 |
| Earnings coverage of net charge-offs (x) | 8.1503% | 2,672 |
| Efficiency ratio | 73.7326% | 3,106 |
| Assets per employee ($millions) | 4.5369% | 2,824 |
| Cash dividends to net income (ytd only)* | 50.8259% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 5,356 |
| Loan loss allowance to noncurrent loans | 50.7909% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 1.6639% | 2,469 |
| Noncurrent loans to loans | 2.1535% | 2,060 |
| Net loans and leases to total assets | 71.9367% | 1,604 |
| Net loans and leases to deposits | 86.6330% | 1,539 |
| Net loans and leases to core deposits | 99.4113% | 1,160 |
| Total domestic deposits to total assets | 83.0361% | 4,559 |
| Equity capital to assets | 10.4091% | 3,380 |
| Core capital (leverage) ratio | 8.5998% | 5,662 |
| Tier 1 risk-based capital ratio | 12.6962% | 5,328 |
| Total risk-based capital ratio | 13.9333% | 5,278 |
| Memoranda: | ||
| Average total assets | $595,096,250 | 1,127 |
| Average earning assets | $548,129,750 | 1,113 |
| Average equity | $61,450,750 | 1,179 |
| Average total loans | $413,636,750 | 1,031 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9311% | 4,351 |
| Cost of funding earning assets | 0.5860% | 3,074 |
| Net interest margin | 3.3451% | 4,400 |
| Noninterest income to average assets | 1.0913% | 1,284 |
| Noninterest expense to average assets | 3.0937% | 2,678 |
| Loan and lease loss provision to assets | 0.2126% | 1,781 |
| Net operating income to assets | 0.7093% | 3,761 |
| Return on assets (ROA) | 0.7093% | 3,931 |
| Pretax return on assets | 0.8683% | 4,029 |
| Return on Equity (ROE) | 6.8865% | 3,674 |
| Retained earnings to average equity (ytd only) | 3.1642% | 4,303 |
| Net charge-offs to loans | 0.1772% | 2,698 |
| Credit loss provision to net charge-offs | 175.2066% | 1,352 |
| Earnings coverage of net charge-offs (x) | 8.9091% | 2,352 |
| Efficiency ratio | 73.2186% | 3,275 |
| Assets per employee ($millions) | 4.4221% | 2,939 |
| Cash dividends to net income (ytd only)* | 54.0528% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0970% | 5,457 |
| Loan loss allowance to noncurrent loans | 50.3259% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 1.6146% | 2,695 |
| Noncurrent loans to loans | 2.1799% | 2,201 |
| Net loans and leases to total assets | 69.9513% | 1,894 |
| Net loans and leases to deposits | 83.7348% | 1,833 |
| Net loans and leases to core deposits | 98.6133% | 1,165 |
| Total domestic deposits to total assets | 83.5391% | 4,501 |
| Equity capital to assets | 10.2389% | 3,606 |
| Core capital (leverage) ratio | 8.4828% | 5,692 |
| Tier 1 risk-based capital ratio | 12.4987% | 5,501 |
| Total risk-based capital ratio | 13.7214% | 5,465 |
| Memoranda: | ||
| Average total assets | $598,376,330 | 1,119 |
| Average earning assets | $551,551,000 | 1,109 |
| Average equity | $61,627,670 | 1,180 |
| Average total loans | $409,625,670 | 1,034 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9215% | 4,402 |
| Cost of funding earning assets | 0.5875% | 3,235 |
| Net interest margin | 3.3340% | 4,384 |
| Noninterest income to average assets | 1.0850% | 1,252 |
| Noninterest expense to average assets | 3.0687% | 2,775 |
| Loan and lease loss provision to assets | 0.2644% | 1,343 |
| Net operating income to assets | 0.6964% | 3,700 |
| Return on assets (ROA) | 0.6964% | 3,844 |
| Pretax return on assets | 0.8213% | 4,079 |
| Return on Equity (ROE) | 6.7421% | 3,628 |
| Retained earnings to average equity (ytd only) | 3.3484% | 4,244 |
| Net charge-offs to loans | 0.0694% | 3,143 |
| Credit loss provision to net charge-offs | 565.7143% | 475 |
| Earnings coverage of net charge-offs (x) | 23.2286% | 1,111 |
| Efficiency ratio | 72.9669% | 3,448 |
| Assets per employee ($millions) | 4.7408% | 2,581 |
| Cash dividends to net income (ytd only)* | 50.3356% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1383% | 5,450 |
| Loan loss allowance to noncurrent loans | 54.5709% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 1.5567% | 2,929 |
| Noncurrent loans to loans | 2.0860% | 2,520 |
| Net loans and leases to total assets | 68.1301% | 1,986 |
| Net loans and leases to deposits | 81.7117% | 1,871 |
| Net loans and leases to core deposits | 95.2369% | 1,251 |
| Total domestic deposits to total assets | 83.3787% | 4,722 |
| Equity capital to assets | 10.3828% | 3,694 |
| Core capital (leverage) ratio | 8.4287% | 5,666 |
| Tier 1 risk-based capital ratio | 12.4706% | 5,598 |
| Total risk-based capital ratio | 13.6985% | 5,560 |
| Memoranda: | ||
| Average total assets | $599,076,000 | 1,128 |
| Average earning assets | $551,521,500 | 1,116 |
| Average equity | $61,879,500 | 1,189 |
| Average total loans | $403,326,000 | 1,050 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0755% | 5,034 |
| Cost of funding earning assets | 0.7769% | 2,855 |
| Net interest margin | 3.2986% | 5,252 |
| Noninterest income to average assets | 1.1443% | 1,194 |
| Noninterest expense to average assets | 3.2036% | 2,598 |
| Loan and lease loss provision to assets | 0.1772% | 3,409 |
| Net operating income to assets | 0.6443% | 4,018 |
| Return on assets (ROA) | 0.6817% | 4,092 |
| Pretax return on assets | 0.8454% | 4,127 |
| Return on Equity (ROE) | 6.9674% | 3,657 |
| Retained earnings to average equity (ytd only) | 3.1714% | 3,993 |
| Net charge-offs to loans | 0.2051% | 3,740 |
| Credit loss provision to net charge-offs | 136.1323% | 2,038 |
| Earnings coverage of net charge-offs (x) | 7.5025% | 2,587 |
| Efficiency ratio | 75.7615% | 2,786 |
| Assets per employee ($millions) | 4.5174% | 2,929 |
| Cash dividends to net income (ytd only)* | 54.4814% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 5,538 |
| Loan loss allowance to noncurrent loans | 44.2280% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 1.6814% | 2,877 |
| Noncurrent loans to loans | 2.4957% | 2,117 |
| Net loans and leases to total assets | 65.0183% | 2,713 |
| Net loans and leases to deposits | 77.8919% | 2,551 |
| Net loans and leases to core deposits | 89.6102% | 1,879 |
| Total domestic deposits to total assets | 83.4725% | 4,547 |
| Equity capital to assets | 10.2758% | 3,792 |
| Core capital (leverage) ratio | 8.1544% | 6,037 |
| Tier 1 risk-based capital ratio | 12.6154% | 5,386 |
| Total risk-based capital ratio | 13.7698% | 5,417 |
| Memoranda: | ||
| Average total assets | $603,950,000 | 1,101 |
| Average earning assets | $555,804,000 | 1,092 |
| Average equity | $59,089,800 | 1,204 |
| Average total loans | $383,139,000 | 1,087 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1233% | 5,101 |
| Cost of funding earning assets | 0.7942% | 2,993 |
| Net interest margin | 3.3291% | 5,280 |
| Noninterest income to average assets | 1.1317% | 1,179 |
| Noninterest expense to average assets | 3.1158% | 2,843 |
| Loan and lease loss provision to assets | 0.1521% | 3,633 |
| Net operating income to assets | 0.7308% | 3,770 |
| Return on assets (ROA) | 0.7794% | 3,798 |
| Pretax return on assets | 0.9917% | 3,747 |
| Return on Equity (ROE) | 8.0667% | 3,257 |
| Retained earnings to average equity (ytd only) | 4.1281% | 4,000 |
| Net charge-offs to loans | 0.2055% | 3,501 |
| Credit loss provision to net charge-offs | 117.7474% | 2,465 |
| Earnings coverage of net charge-offs (x) | 8.3772% | 2,455 |
| Efficiency ratio | 73.3417% | 3,094 |
| Assets per employee ($millions) | 4.7366% | 2,551 |
| Cash dividends to net income (ytd only)* | 48.8261% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0907% | 5,756 |
| Loan loss allowance to noncurrent loans | 45.2812% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 1.6153% | 3,169 |
| Noncurrent loans to loans | 2.4087% | 2,392 |
| Net loans and leases to total assets | 62.0221% | 3,371 |
| Net loans and leases to deposits | 75.7161% | 3,026 |
| Net loans and leases to core deposits | 89.5420% | 2,046 |
| Total domestic deposits to total assets | 81.9141% | 5,056 |
| Equity capital to assets | 9.8370% | 4,730 |
| Core capital (leverage) ratio | 8.0703% | 6,265 |
| Tier 1 risk-based capital ratio | 12.8412% | 5,378 |
| Total risk-based capital ratio | 13.9587% | 5,440 |
| Memoranda: | ||
| Average total assets | $604,734,750 | 1,106 |
| Average earning assets | $557,016,750 | 1,095 |
| Average equity | $58,427,750 | 1,216 |
| Average total loans | $380,174,500 | 1,111 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1890% | 4,990 |
| Cost of funding earning assets | 0.8203% | 3,028 |
| Net interest margin | 3.3687% | 5,206 |
| Noninterest income to average assets | 1.0852% | 1,215 |
| Noninterest expense to average assets | 3.1445% | 2,766 |
| Loan and lease loss provision to assets | 0.1195% | 4,040 |
| Net operating income to assets | 0.7213% | 3,745 |
| Return on assets (ROA) | 0.7935% | 3,672 |
| Pretax return on assets | 1.0145% | 3,653 |
| Return on Equity (ROE) | 8.2636% | 3,136 |
| Retained earnings to average equity (ytd only) | 4.1266% | 3,863 |
| Net charge-offs to loans | 0.1203% | 3,971 |
| Credit loss provision to net charge-offs | 157.8947% | 1,759 |
| Earnings coverage of net charge-offs (x) | 13.7632% | 1,764 |
| Efficiency ratio | 74.2409% | 3,039 |
| Assets per employee ($millions) | 4.5518% | 2,811 |
| Cash dividends to net income (ytd only)* | 50.0627% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0942% | 5,801 |
| Loan loss allowance to noncurrent loans | 50.0416% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 1.3995% | 3,628 |
| Noncurrent loans to loans | 2.1866% | 2,728 |
| Net loans and leases to total assets | 63.3061% | 3,179 |
| Net loans and leases to deposits | 77.9100% | 2,685 |
| Net loans and leases to core deposits | 92.0954% | 1,771 |
| Total domestic deposits to total assets | 81.2555% | 5,375 |
| Equity capital to assets | 9.7972% | 4,633 |
| Core capital (leverage) ratio | 8.1687% | 6,079 |
| Tier 1 risk-based capital ratio | 12.5957% | 5,500 |
| Total risk-based capital ratio | 13.7253% | 5,568 |
| Memoranda: | ||
| Average total assets | $602,637,330 | 1,107 |
| Average earning assets | $554,691,670 | 1,095 |
| Average equity | $57,868,000 | 1,224 |
| Average total loans | $379,182,330 | 1,114 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2139% | 5,063 |
| Cost of funding earning assets | 0.8540% | 3,030 |
| Net interest margin | 3.3599% | 5,263 |
| Noninterest income to average assets | 1.0916% | 1,204 |
| Noninterest expense to average assets | 2.9619% | 3,417 |
| Loan and lease loss provision to assets | 0.1193% | 3,856 |
| Net operating income to assets | 0.8318% | 3,241 |
| Return on assets (ROA) | 0.8377% | 3,447 |
| Pretax return on assets | 1.1108% | 3,283 |
| Return on Equity (ROE) | 8.8130% | 2,902 |
| Retained earnings to average equity (ytd only) | 5.4872% | 3,267 |
| Net charge-offs to loans | 0.0956% | 3,569 |
| Credit loss provision to net charge-offs | 200.0000% | 1,332 |
| Earnings coverage of net charge-offs (x) | 20.4889% | 1,190 |
| Efficiency ratio | 69.9034% | 3,833 |
| Assets per employee ($millions) | 4.7914% | 2,524 |
| Cash dividends to net income (ytd only)* | 37.7373% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 5,892 |
| Loan loss allowance to noncurrent loans | 54.7725% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 1.2700% | 4,016 |
| Noncurrent loans to loans | 2.0165% | 3,137 |
| Net loans and leases to total assets | 62.2816% | 3,198 |
| Net loans and leases to deposits | 77.2605% | 2,638 |
| Net loans and leases to core deposits | 88.9780% | 1,954 |
| Total domestic deposits to total assets | 80.6124% | 5,698 |
| Equity capital to assets | 9.6873% | 4,540 |
| Core capital (leverage) ratio | 8.0248% | 6,235 |
| Tier 1 risk-based capital ratio | 12.4164% | 5,674 |
| Total risk-based capital ratio | 13.5271% | 5,739 |
| Memoranda: | ||
| Average total assets | $603,538,000 | 1,102 |
| Average earning assets | $555,494,500 | 1,099 |
| Average equity | $57,369,500 | 1,234 |
| Average total loans | $376,486,500 | 1,125 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4012% | 5,420 |
| Cost of funding earning assets | 1.0280% | 3,172 |
| Net interest margin | 3.3732% | 5,565 |
| Noninterest income to average assets | 0.9135% | 1,626 |
| Noninterest expense to average assets | 2.9178% | 3,889 |
| Loan and lease loss provision to assets | 0.2430% | 3,776 |
| Net operating income to assets | 0.6950% | 3,516 |
| Return on assets (ROA) | 0.6965% | 3,691 |
| Pretax return on assets | 0.8568% | 3,756 |
| Return on Equity (ROE) | 8.1242% | 2,848 |
| Retained earnings to average equity (ytd only) | 3.4559% | 3,761 |
| Net charge-offs to loans | 0.3497% | 3,650 |
| Credit loss provision to net charge-offs | 112.1495% | 2,946 |
| Earnings coverage of net charge-offs (x) | 5.0678% | 2,904 |
| Efficiency ratio | 71.7257% | 3,631 |
| Assets per employee ($millions) | 5.0261% | 2,158 |
| Cash dividends to net income (ytd only)* | 57.4612% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0846% | 5,873 |
| Loan loss allowance to noncurrent loans | 50.4705% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 1.7790% | 3,282 |
| Noncurrent loans to loans | 2.1491% | 3,011 |
| Net loans and leases to total assets | 61.1215% | 3,753 |
| Net loans and leases to deposits | 77.3780% | 2,943 |
| Net loans and leases to core deposits | 90.1385% | 2,110 |
| Total domestic deposits to total assets | 78.9908% | 5,998 |
| Equity capital to assets | 9.3266% | 5,114 |
| Core capital (leverage) ratio | 7.7732% | 6,466 |
| Tier 1 risk-based capital ratio | 12.0824% | 5,773 |
| Total risk-based capital ratio | 13.1589% | 5,875 |
| Memoranda: | ||
| Average total assets | $592,642,400 | 1,114 |
| Average earning assets | $545,036,800 | 1,095 |
| Average equity | $50,811,200 | 1,345 |
| Average total loans | $367,137,400 | 1,154 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4242% | 5,524 |
| Cost of funding earning assets | 1.0582% | 3,266 |
| Net interest margin | 3.3661% | 5,667 |
| Noninterest income to average assets | 0.8431% | 1,864 |
| Noninterest expense to average assets | 2.9587% | 3,713 |
| Loan and lease loss provision to assets | 0.1948% | 4,072 |
| Net operating income to assets | 0.6515% | 3,867 |
| Return on assets (ROA) | 0.6536% | 4,020 |
| Pretax return on assets | 0.7890% | 4,173 |
| Return on Equity (ROE) | 7.7997% | 3,136 |
| Retained earnings to average equity (ytd only) | 3.0080% | 4,545 |
| Net charge-offs to loans | 0.2751% | 3,712 |
| Credit loss provision to net charge-offs | 114.2098% | 2,862 |
| Earnings coverage of net charge-offs (x) | 5.7543% | 2,704 |
| Efficiency ratio | 74.1350% | 3,153 |
| Assets per employee ($millions) | 5.0230% | 2,164 |
| Cash dividends to net income (ytd only)* | 61.4345% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 5,911 |
| Loan loss allowance to noncurrent loans | 28.9504% | 6,317 |
| Noncurrent assets plus other real estate owned to assets | 2.2696% | 2,823 |
| Noncurrent loans to loans | 3.7803% | 1,791 |
| Net loans and leases to total assets | 58.9061% | 4,343 |
| Net loans and leases to deposits | 74.6090% | 3,572 |
| Net loans and leases to core deposits | 87.1991% | 2,603 |
| Total domestic deposits to total assets | 78.9531% | 5,994 |
| Equity capital to assets | 9.2420% | 5,457 |
| Core capital (leverage) ratio | 7.7696% | 6,588 |
| Tier 1 risk-based capital ratio | 11.9961% | 5,896 |
| Total risk-based capital ratio | 13.0742% | 6,002 |
| Memoranda: | ||
| Average total assets | $588,764,000 | 1,121 |
| Average earning assets | $541,668,000 | 1,111 |
| Average equity | $49,334,000 | 1,385 |
| Average total loans | $364,974,250 | 1,173 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5308% | 5,255 |
| Cost of funding earning assets | 1.1132% | 3,143 |
| Net interest margin | 3.4176% | 5,493 |
| Noninterest income to average assets | 0.9049% | 1,630 |
| Noninterest expense to average assets | 3.0355% | 3,504 |
| Loan and lease loss provision to assets | 0.2349% | 3,566 |
| Net operating income to assets | 0.6334% | 3,894 |
| Return on assets (ROA) | 0.6365% | 4,005 |
| Pretax return on assets | 0.7726% | 4,129 |
| Return on Equity (ROE) | 7.8852% | 2,990 |
| Retained earnings to average equity (ytd only) | 2.8452% | 4,476 |
| Net charge-offs to loans | 0.3412% | 3,197 |
| Credit loss provision to net charge-offs | 109.5008% | 2,807 |
| Earnings coverage of net charge-offs (x) | 4.6795% | 2,803 |
| Efficiency ratio | 74.2027% | 3,324 |
| Assets per employee ($millions) | 4.5166% | 2,806 |
| Cash dividends to net income (ytd only)* | 63.9175% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 6,046 |
| Loan loss allowance to noncurrent loans | 27.3227% | 6,411 |
| Noncurrent assets plus other real estate owned to assets | 2.5702% | 2,595 |
| Noncurrent loans to loans | 3.9468% | 1,755 |
| Net loans and leases to total assets | 62.1640% | 3,860 |
| Net loans and leases to deposits | 78.0762% | 3,110 |
| Net loans and leases to core deposits | 91.8907% | 2,150 |
| Total domestic deposits to total assets | 79.6197% | 5,923 |
| Equity capital to assets | 8.2580% | 6,463 |
| Core capital (leverage) ratio | 6.8205% | 7,050 |
| Tier 1 risk-based capital ratio | 10.1235% | 6,943 |
| Total risk-based capital ratio | 11.1908% | 6,996 |
| Memoranda: | ||
| Average total assets | $579,077,330 | 1,154 |
| Average earning assets | $531,073,330 | 1,147 |
| Average equity | $46,745,670 | 1,446 |
| Average total loans | $363,978,000 | 1,192 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5752% | 5,052 |
| Cost of funding earning assets | 1.1702% | 3,017 |
| Net interest margin | 3.4050% | 5,414 |
| Noninterest income to average assets | 0.9676% | 1,414 |
| Noninterest expense to average assets | 3.0558% | 3,436 |
| Loan and lease loss provision to assets | 0.2295% | 3,356 |
| Net operating income to assets | 0.6558% | 3,721 |
| Return on assets (ROA) | 0.6615% | 3,774 |
| Pretax return on assets | 0.8083% | 3,873 |
| Return on Equity (ROE) | 8.2921% | 2,779 |
| Retained earnings to average equity (ytd only) | 3.1651% | 4,276 |
| Net charge-offs to loans | 0.3021% | 2,836 |
| Credit loss provision to net charge-offs | 120.8791% | 2,261 |
| Earnings coverage of net charge-offs (x) | 5.4286% | 2,282 |
| Efficiency ratio | 73.8213% | 3,545 |
| Assets per employee ($millions) | 4.4980% | 2,892 |
| Cash dividends to net income (ytd only)* | 61.8297% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0881% | 6,090 |
| Loan loss allowance to noncurrent loans | 36.5609% | 5,862 |
| Noncurrent assets plus other real estate owned to assets | 2.0523% | 3,257 |
| Noncurrent loans to loans | 2.9762% | 2,523 |
| Net loans and leases to total assets | 62.7758% | 3,699 |
| Net loans and leases to deposits | 78.4275% | 2,991 |
| Net loans and leases to core deposits | 89.5899% | 2,395 |
| Total domestic deposits to total assets | 80.0430% | 5,935 |
| Equity capital to assets | 8.0493% | 6,454 |
| Core capital (leverage) ratio | 6.8998% | 7,047 |
| Tier 1 risk-based capital ratio | 10.1565% | 6,943 |
| Total risk-based capital ratio | 11.2306% | 7,012 |
| Memoranda: | ||
| Average total assets | $575,038,500 | 1,169 |
| Average earning assets | $526,755,500 | 1,163 |
| Average equity | $45,875,000 | 1,462 |
| Average total loans | $361,478,000 | 1,212 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7195% | 5,733 |
| Cost of funding earning assets | 1.4478% | 2,966 |
| Net interest margin | 3.2717% | 6,063 |
| Noninterest income to average assets | 0.9307% | 1,740 |
| Noninterest expense to average assets | 2.9918% | 3,877 |
| Loan and lease loss provision to assets | 0.1759% | 5,471 |
| Net operating income to assets | 0.6415% | 3,480 |
| Return on assets (ROA) | 0.6438% | 3,616 |
| Pretax return on assets | 0.7657% | 3,741 |
| Return on Equity (ROE) | 8.1620% | 2,635 |
| Retained earnings to average equity (ytd only) | 3.0775% | 3,700 |
| Net charge-offs to loans | 0.1614% | 5,371 |
| Credit loss provision to net charge-offs | 180.5054% | 1,832 |
| Earnings coverage of net charge-offs (x) | 9.6336% | 1,801 |
| Efficiency ratio | 75.1220% | 3,184 |
| Assets per employee ($millions) | 4.3183% | 3,168 |
| Cash dividends to net income (ytd only)* | 62.2951% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0963% | 5,960 |
| Loan loss allowance to noncurrent loans | 38.6550% | 5,722 |
| Noncurrent assets plus other real estate owned to assets | 1.8850% | 3,505 |
| Noncurrent loans to loans | 2.8362% | 2,683 |
| Net loans and leases to total assets | 61.5727% | 4,379 |
| Net loans and leases to deposits | 80.5979% | 3,060 |
| Net loans and leases to core deposits | 87.1582% | 3,161 |
| Total domestic deposits to total assets | 76.3949% | 6,584 |
| Equity capital to assets | 7.9060% | 6,579 |
| Core capital (leverage) ratio | 6.7239% | 7,134 |
| Tier 1 risk-based capital ratio | 9.6067% | 7,106 |
| Total risk-based capital ratio | 10.6059% | 7,176 |
| Memoranda: | ||
| Average total assets | $568,484,000 | 1,182 |
| Average earning assets | $521,262,800 | 1,177 |
| Average equity | $44,842,000 | 1,490 |
| Average total loans | $343,240,600 | 1,305 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7189% | 5,949 |
| Cost of funding earning assets | 1.4802% | 3,089 |
| Net interest margin | 3.2387% | 6,215 |
| Noninterest income to average assets | 0.8844% | 1,854 |
| Noninterest expense to average assets | 3.0317% | 3,638 |
| Loan and lease loss provision to assets | 0.1458% | 5,578 |
| Net operating income to assets | 0.5647% | 4,034 |
| Return on assets (ROA) | 0.5679% | 4,184 |
| Pretax return on assets | 0.6824% | 4,294 |
| Return on Equity (ROE) | 7.2033% | 3,253 |
| Retained earnings to average equity (ytd only) | 2.1386% | 4,895 |
| Net charge-offs to loans | 0.0966% | 5,566 |
| Credit loss provision to net charge-offs | 252.0325% | 1,319 |
| Earnings coverage of net charge-offs (x) | 14.2521% | 1,530 |
| Efficiency ratio | 77.6023% | 2,680 |
| Assets per employee ($millions) | 4.4817% | 2,939 |
| Cash dividends to net income (ytd only)* | 70.3104% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 5,898 |
| Loan loss allowance to noncurrent loans | 34.0503% | 6,059 |
| Noncurrent assets plus other real estate owned to assets | 1.9520% | 3,535 |
| Noncurrent loans to loans | 3.2614% | 2,427 |
| Net loans and leases to total assets | 58.7983% | 5,138 |
| Net loans and leases to deposits | 77.8558% | 3,855 |
| Net loans and leases to core deposits | 84.7383% | 3,843 |
| Total domestic deposits to total assets | 75.5221% | 6,739 |
| Equity capital to assets | 8.2062% | 6,608 |
| Core capital (leverage) ratio | 6.6224% | 7,302 |
| Tier 1 risk-based capital ratio | 9.6617% | 7,203 |
| Total risk-based capital ratio | 10.6649% | 7,278 |
| Memoranda: | ||
| Average total assets | $567,021,500 | 1,196 |
| Average earning assets | $520,280,000 | 1,188 |
| Average equity | $44,700,750 | 1,501 |
| Average total loans | $339,662,500 | 1,327 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7490% | 5,980 |
| Cost of funding earning assets | 1.5194% | 3,134 |
| Net interest margin | 3.2296% | 6,221 |
| Noninterest income to average assets | 0.8554% | 1,859 |
| Noninterest expense to average assets | 3.0422% | 3,547 |
| Loan and lease loss provision to assets | 0.1566% | 5,332 |
| Net operating income to assets | 0.5258% | 4,214 |
| Return on assets (ROA) | 0.5261% | 4,369 |
| Pretax return on assets | 0.6155% | 4,524 |
| Return on Equity (ROE) | 6.7699% | 3,409 |
| Retained earnings to average equity (ytd only) | 1.6627% | 5,041 |
| Net charge-offs to loans | 0.0859% | 5,280 |
| Credit loss provision to net charge-offs | 303.4483% | 1,203 |
| Earnings coverage of net charge-offs (x) | 14.9517% | 1,489 |
| Efficiency ratio | 78.7288% | 2,620 |
| Assets per employee ($millions) | 4.0312% | 3,714 |
| Cash dividends to net income (ytd only)* | 75.4398% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 6,004 |
| Loan loss allowance to noncurrent loans | 27.5117% | 6,516 |
| Noncurrent assets plus other real estate owned to assets | 2.4401% | 2,949 |
| Noncurrent loans to loans | 3.9537% | 1,932 |
| Net loans and leases to total assets | 60.7122% | 4,929 |
| Net loans and leases to deposits | 79.2330% | 3,750 |
| Net loans and leases to core deposits | 86.5625% | 3,752 |
| Total domestic deposits to total assets | 76.6249% | 6,579 |
| Equity capital to assets | 7.9346% | 6,825 |
| Core capital (leverage) ratio | 6.6325% | 7,338 |
| Tier 1 risk-based capital ratio | 9.5169% | 7,254 |
| Total risk-based capital ratio | 10.4970% | 7,356 |
| Memoranda: | ||
| Average total assets | $561,822,330 | 1,209 |
| Average earning assets | $514,680,000 | 1,203 |
| Average equity | $43,664,000 | 1,523 |
| Average total loans | $337,411,000 | 1,352 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6776% | 6,321 |
| Cost of funding earning assets | 1.5483% | 3,277 |
| Net interest margin | 3.1293% | 6,518 |
| Noninterest income to average assets | 0.8299% | 1,886 |
| Noninterest expense to average assets | 3.0634% | 3,420 |
| Loan and lease loss provision to assets | 0.1284% | 5,285 |
| Net operating income to assets | 0.4474% | 4,623 |
| Return on assets (ROA) | 0.4474% | 4,753 |
| Pretax return on assets | 0.5038% | 4,947 |
| Return on Equity (ROE) | 5.8183% | 3,955 |
| Retained earnings to average equity (ytd only) | 1.1785% | 5,347 |
| Net charge-offs to loans | 0.0048% | 5,549 |
| Credit loss provision to net charge-offs | 4,500.0000% | 106 |
| Earnings coverage of net charge-offs (x) | 221.5000% | 153 |
| Efficiency ratio | 81.8112% | 2,292 |
| Assets per employee ($millions) | 4.2254% | 3,416 |
| Cash dividends to net income (ytd only)* | 79.7448% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0911% | 6,048 |
| Loan loss allowance to noncurrent loans | 30.2420% | 6,380 |
| Noncurrent assets plus other real estate owned to assets | 2.2093% | 3,265 |
| Noncurrent loans to loans | 3.6080% | 2,204 |
| Net loans and leases to total assets | 58.8598% | 5,303 |
| Net loans and leases to deposits | 76.7639% | 4,269 |
| Net loans and leases to core deposits | 86.4460% | 3,829 |
| Total domestic deposits to total assets | 76.6764% | 6,629 |
| Equity capital to assets | 7.7402% | 6,893 |
| Core capital (leverage) ratio | 6.6763% | 7,403 |
| Tier 1 risk-based capital ratio | 9.4052% | 7,348 |
| Total risk-based capital ratio | 10.3552% | 7,465 |
| Memoranda: | ||
| Average total assets | $560,547,000 | 1,241 |
| Average earning assets | $513,337,000 | 1,238 |
| Average equity | $43,105,500 | 1,553 |
| Average total loans | $332,911,000 | 1,412 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3460% | 4,960 |
| Cost of funding earning assets | 1.8723% | 3,609 |
| Net interest margin | 3.4737% | 5,072 |
| Noninterest income to average assets | 0.9646% | 1,686 |
| Noninterest expense to average assets | 3.3654% | 2,790 |
| Loan and lease loss provision to assets | 0.1868% | 5,850 |
| Net operating income to assets | 0.5974% | 3,335 |
| Return on assets (ROA) | 0.4732% | 3,949 |
| Pretax return on assets | 0.4665% | 4,300 |
| Return on Equity (ROE) | 6.2968% | 3,081 |
| Retained earnings to average equity (ytd only) | 2.5111% | 3,388 |
| Net charge-offs to loans | 0.0761% | 6,352 |
| Credit loss provision to net charge-offs | 417.3729% | 754 |
| Earnings coverage of net charge-offs (x) | 17.3729% | 1,194 |
| Efficiency ratio | 80.4807% | 2,810 |
| Assets per employee ($millions) | 4.1416% | 3,538 |
| Cash dividends to net income (ytd only)* | 60.1202% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 6,136 |
| Loan loss allowance to noncurrent loans | 46.6550% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 1.3940% | 4,330 |
| Noncurrent loans to loans | 2.2463% | 3,339 |
| Net loans and leases to total assets | 58.6499% | 5,543 |
| Net loans and leases to deposits | 77.2275% | 4,523 |
| Net loans and leases to core deposits | 90.8996% | 5,034 |
| Total domestic deposits to total assets | 75.9443% | 6,691 |
| Equity capital to assets | 7.6394% | 6,909 |
| Core capital (leverage) ratio | 6.7003% | 7,410 |
| Tier 1 risk-based capital ratio | 9.4823% | 7,244 |
| Total risk-based capital ratio | 10.3993% | 7,413 |
| Memoranda: | ||
| Average total assets | $527,281,600 | 1,305 |
| Average earning assets | $482,450,400 | 1,308 |
| Average equity | $39,623,400 | 1,693 |
| Average total loans | $309,936,600 | 1,543 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4757% | 4,544 |
| Cost of funding earning assets | 1.9224% | 3,763 |
| Net interest margin | 3.5533% | 4,659 |
| Noninterest income to average assets | 0.9890% | 1,645 |
| Noninterest expense to average assets | 3.4128% | 2,539 |
| Loan and lease loss provision to assets | 0.2375% | 5,066 |
| Net operating income to assets | 0.6105% | 3,577 |
| Return on assets (ROA) | 0.4329% | 4,367 |
| Pretax return on assets | 0.4116% | 4,769 |
| Return on Equity (ROE) | 5.7861% | 3,612 |
| Retained earnings to average equity (ytd only) | 2.3542% | 4,010 |
| Net charge-offs to loans | 0.0959% | 5,717 |
| Credit loss provision to net charge-offs | 422.3744% | 941 |
| Earnings coverage of net charge-offs (x) | 14.7033% | 1,581 |
| Efficiency ratio | 79.7553% | 2,884 |
| Assets per employee ($millions) | 4.1083% | 3,548 |
| Cash dividends to net income (ytd only)* | 59.3121% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 5,810 |
| Loan loss allowance to noncurrent loans | 50.8527% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 1.3047% | 4,473 |
| Noncurrent loans to loans | 2.1349% | 3,466 |
| Net loans and leases to total assets | 56.3316% | 6,106 |
| Net loans and leases to deposits | 75.3186% | 5,155 |
| Net loans and leases to core deposits | 91.0051% | 5,331 |
| Total domestic deposits to total assets | 74.7910% | 6,811 |
| Equity capital to assets | 7.7178% | 7,134 |
| Core capital (leverage) ratio | 6.7764% | 7,552 |
| Tier 1 risk-based capital ratio | 9.7421% | 7,199 |
| Total risk-based capital ratio | 10.6779% | 7,392 |
| Memoranda: | ||
| Average total assets | $519,322,500 | 1,343 |
| Average earning assets | $475,079,000 | 1,350 |
| Average equity | $38,851,000 | 1,746 |
| Average total loans | $304,572,000 | 1,590 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5544% | 4,317 |
| Cost of funding earning assets | 1.9826% | 3,861 |
| Net interest margin | 3.5719% | 4,491 |
| Noninterest income to average assets | 1.0218% | 1,524 |
| Noninterest expense to average assets | 3.3509% | 2,785 |
| Loan and lease loss provision to assets | 0.2936% | 4,219 |
| Net operating income to assets | 0.6707% | 3,379 |
| Return on assets (ROA) | 0.3980% | 4,629 |
| Pretax return on assets | 0.3645% | 5,030 |
| Return on Equity (ROE) | 5.3819% | 3,916 |
| Retained earnings to average equity (ytd only) | 2.7176% | 3,820 |
| Net charge-offs to loans | 0.1064% | 5,097 |
| Credit loss provision to net charge-offs | 465.6250% | 996 |
| Earnings coverage of net charge-offs (x) | 14.7625% | 1,632 |
| Efficiency ratio | 77.5078% | 3,417 |
| Assets per employee ($millions) | 3.8868% | 3,900 |
| Cash dividends to net income (ytd only)* | 49.5050% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 5,521 |
| Loan loss allowance to noncurrent loans | 52.5238% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 1.2757% | 4,386 |
| Noncurrent loans to loans | 2.1149% | 3,362 |
| Net loans and leases to total assets | 55.3204% | 6,294 |
| Net loans and leases to deposits | 73.2713% | 5,569 |
| Net loans and leases to core deposits | 86.8515% | 5,824 |
| Total domestic deposits to total assets | 75.5007% | 6,660 |
| Equity capital to assets | 7.1934% | 7,489 |
| Core capital (leverage) ratio | 7.1243% | 7,432 |
| Tier 1 risk-based capital ratio | 9.9972% | 6,932 |
| Total risk-based capital ratio | 10.9163% | 7,204 |
| Memoranda: | ||
| Average total assets | $507,558,000 | 1,396 |
| Average earning assets | $463,232,330 | 1,396 |
| Average equity | $37,533,330 | 1,815 |
| Average total loans | $300,811,670 | 1,646 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7545% | 3,507 |
| Cost of funding earning assets | 2.0258% | 4,006 |
| Net interest margin | 3.7287% | 3,768 |
| Noninterest income to average assets | 1.0317% | 1,399 |
| Noninterest expense to average assets | 3.2899% | 2,687 |
| Loan and lease loss provision to assets | 0.3474% | 3,238 |
| Net operating income to assets | 0.6440% | 3,820 |
| Return on assets (ROA) | 0.9235% | 2,740 |
| Pretax return on assets | 1.1359% | 2,846 |
| Return on Equity (ROE) | 12.3075% | 1,568 |
| Retained earnings to average equity (ytd only) | 6.9237% | 2,242 |
| Net charge-offs to loans | 0.1958% | 3,463 |
| Credit loss provision to net charge-offs | 290.5405% | 1,671 |
| Earnings coverage of net charge-offs (x) | 9.5203% | 2,051 |
| Efficiency ratio | 73.5450% | 3,909 |
| Assets per employee ($millions) | 3.8144% | 4,052 |
| Cash dividends to net income (ytd only)* | 43.7445% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9946% | 6,226 |
| Loan loss allowance to noncurrent loans | 47.8884% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 1.3649% | 3,930 |
| Noncurrent loans to loans | 2.0768% | 3,155 |
| Net loans and leases to total assets | 60.3259% | 5,601 |
| Net loans and leases to deposits | 81.5615% | 4,359 |
| Net loans and leases to core deposits | 95.1857% | 5,043 |
| Total domestic deposits to total assets | 73.9637% | 6,899 |
| Equity capital to assets | 7.3527% | 7,451 |
| Core capital (leverage) ratio | 7.5197% | 7,139 |
| Tier 1 risk-based capital ratio | 10.8343% | 6,061 |
| Total risk-based capital ratio | 11.7354% | 6,327 |
| Memoranda: | ||
| Average total assets | $495,092,500 | 1,433 |
| Average earning assets | $450,983,000 | 1,431 |
| Average equity | $37,148,000 | 1,840 |
| Average total loans | $302,275,500 | 1,656 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0843% | 5,123 |
| Cost of funding earning assets | 2.4815% | 4,306 |
| Net interest margin | 3.6027% | 4,871 |
| Noninterest income to average assets | 0.9615% | 1,721 |
| Noninterest expense to average assets | 3.3404% | 2,839 |
| Loan and lease loss provision to assets | 0.2676% | 4,259 |
| Net operating income to assets | 0.7282% | 3,761 |
| Return on assets (ROA) | 0.2354% | 5,563 |
| Pretax return on assets | 0.1494% | 5,844 |
| Return on Equity (ROE) | 2.7192% | 5,336 |
| Retained earnings to average equity (ytd only) | -2.1150% | 5,907 |
| Net charge-offs to loans | 0.3571% | 3,046 |
| Credit loss provision to net charge-offs | 124.2954% | 4,305 |
| Earnings coverage of net charge-offs (x) | 4.2255% | 4,060 |
| Efficiency ratio | 77.7854% | 2,954 |
| Assets per employee ($millions) | 3.7166% | 4,138 |
| Cash dividends to net income (ytd only)* | 177.7778% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9008% | 6,677 |
| Loan loss allowance to noncurrent loans | 52.6580% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 1.1031% | 4,074 |
| Noncurrent loans to loans | 1.7106% | 3,203 |
| Net loans and leases to total assets | 60.6261% | 5,818 |
| Net loans and leases to deposits | 86.8830% | 3,978 |
| Net loans and leases to core deposits | 98.1454% | 5,028 |
| Total domestic deposits to total assets | 69.7790% | 7,300 |
| Equity capital to assets | 7.6543% | 7,253 |
| Core capital (leverage) ratio | 7.5247% | 7,180 |
| Tier 1 risk-based capital ratio | 10.5268% | 6,183 |
| Total risk-based capital ratio | 11.3370% | 6,512 |
| Memoranda: | ||
| Average total assets | $477,875,800 | 1,439 |
| Average earning assets | $436,224,000 | 1,439 |
| Average equity | $41,371,800 | 1,618 |
| Average total loans | $288,177,800 | 1,679 |