Home > The Bank of Delmarva > Performance and Condition Ratios
The Bank of Delmarva, Performance and Condition Ratios
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3076% | 1,279 |
| Cost of funding earning assets | 0.6514% | 3,862 |
| Net interest margin | 4.6562% | 487 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.6911% | 1,690 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.5423% | 1,042 |
| Return on assets (ROA) | 1.5361% | 1,039 |
| Pretax return on assets | 2.0554% | 705 |
| Return on Equity (ROE) | 14.8700% | 1,474 |
| Retained earnings to average equity (ytd only) | 12.1431% | 948 |
| Net charge-offs to loans | 0.0072% | 2,166 |
| Credit loss provision to net charge-offs | 304.8780% | 876 |
| Earnings coverage of net charge-offs (x) | 346.9512% | 410 |
| Efficiency ratio | 56.0921% | 3,395 |
| Assets per employee ($millions) | 5.9490% | 2,804 |
| Cash dividends to net income (ytd only)* | 18.3559% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 2,066 |
| Loan loss allowance to noncurrent loans | 523.3871% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 2,219 |
| Noncurrent loans to loans | 0.2402% | 2,385 |
| Net loans and leases to total assets | 85.6800% | 173 |
| Net loans and leases to deposits | 96.9341% | 690 |
| Net loans and leases to core deposits | 102.8846% | 1,170 |
| Total domestic deposits to total assets | 88.3900% | 1,450 |
| Equity capital to assets | 10.8759% | 1,395 |
| Core capital (leverage) ratio | 10.9325% | 2,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1833% | 1,826 |
| Memoranda: | ||
| Average total assets | $911,187,500 | 1,074 |
| Average earning assets | $850,631,750 | 1,054 |
| Average equity | $94,109,000 | 986 |
| Average total loans | $755,427,250 | 907 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1499% | 1,285 |
| Cost of funding earning assets | 0.5738% | 3,818 |
| Net interest margin | 4.5760% | 555 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.6540% | 1,776 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.4843% | 1,137 |
| Return on assets (ROA) | 1.4843% | 1,131 |
| Pretax return on assets | 1.9909% | 757 |
| Return on Equity (ROE) | 14.6200% | 1,549 |
| Retained earnings to average equity (ytd only) | 11.8761% | 1,005 |
| Net charge-offs to loans | -0.0195% | 4,116 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.2439% | 3,392 |
| Assets per employee ($millions) | 5.8515% | 2,840 |
| Cash dividends to net income (ytd only)* | 18.7840% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 1,879 |
| Loan loss allowance to noncurrent loans | 407.4120% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.2692% | 1,858 |
| Noncurrent loans to loans | 0.3221% | 1,983 |
| Net loans and leases to total assets | 82.4900% | 379 |
| Net loans and leases to deposits | 92.8687% | 963 |
| Net loans and leases to core deposits | 98.0142% | 1,345 |
| Total domestic deposits to total assets | 88.8200% | 1,312 |
| Equity capital to assets | 10.5547% | 1,574 |
| Core capital (leverage) ratio | 10.5655% | 2,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9783% | 1,908 |
| Memoranda: | ||
| Average total assets | $917,467,000 | 1,060 |
| Average earning assets | $856,722,667 | 1,041 |
| Average equity | $93,128,333 | 993 |
| Average total loans | $749,137,000 | 898 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0249% | 1,183 |
| Cost of funding earning assets | 0.4714% | 3,774 |
| Net interest margin | 4.5536% | 540 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.6591% | 1,773 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.4309% | 1,326 |
| Return on assets (ROA) | 1.4401% | 1,283 |
| Pretax return on assets | 1.9456% | 851 |
| Return on Equity (ROE) | 14.4700% | 1,669 |
| Retained earnings to average equity (ytd only) | 11.6958% | 1,322 |
| Net charge-offs to loans | -0.0306% | 4,228 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.3956% | 3,366 |
| Assets per employee ($millions) | 5.7802% | 2,957 |
| Cash dividends to net income (ytd only)* | 19.1752% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3284% | 1,903 |
| Loan loss allowance to noncurrent loans | 475.4907% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.2287% | 1,975 |
| Noncurrent loans to loans | 0.2794% | 2,140 |
| Net loans and leases to total assets | 80.7900% | 474 |
| Net loans and leases to deposits | 90.6940% | 999 |
| Net loans and leases to core deposits | 95.6113% | 1,307 |
| Total domestic deposits to total assets | 89.0800% | 1,517 |
| Equity capital to assets | 10.2387% | 1,702 |
| Core capital (leverage) ratio | 10.0825% | 2,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6915% | 2,100 |
| Memoranda: | ||
| Average total assets | $922,711,000 | 1,070 |
| Average earning assets | $864,726,500 | 1,047 |
| Average equity | $91,828,000 | 1,014 |
| Average total loans | $744,650,000 | 918 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0616% | 1,557 |
| Cost of funding earning assets | 0.2921% | 2,948 |
| Net interest margin | 3.7695% | 1,224 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.3577% | 2,556 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1951% | 1,792 |
| Return on assets (ROA) | 1.1775% | 1,801 |
| Pretax return on assets | 1.5589% | 1,270 |
| Return on Equity (ROE) | 13.4100% | 1,681 |
| Retained earnings to average equity (ytd only) | 10.9189% | 903 |
| Net charge-offs to loans | 0.2250% | 358 |
| Credit loss provision to net charge-offs | -1.5328% | 4,545 |
| Earnings coverage of net charge-offs (x) | 9.6376% | 2,219 |
| Efficiency ratio | 59.5688% | 3,111 |
| Assets per employee ($millions) | 5.9373% | 2,825 |
| Cash dividends to net income (ytd only)* | 18.5858% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 1,884 |
| Loan loss allowance to noncurrent loans | 459.1817% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.2255% | 2,024 |
| Noncurrent loans to loans | 0.2835% | 2,134 |
| Net loans and leases to total assets | 78.5200% | 750 |
| Net loans and leases to deposits | 87.3634% | 1,213 |
| Net loans and leases to core deposits | 91.3754% | 1,432 |
| Total domestic deposits to total assets | 89.8700% | 1,424 |
| Equity capital to assets | 9.6711% | 1,902 |
| Core capital (leverage) ratio | 9.3341% | 3,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3554% | 2,219 |
| Memoranda: | ||
| Average total assets | $995,708,200 | 983 |
| Average earning assets | $935,964,200 | 963 |
| Average equity | $87,417,000 | 1,059 |
| Average total loans | $724,873,600 | 880 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8112% | 1,728 |
| Cost of funding earning assets | 0.2907% | 2,272 |
| Net interest margin | 3.5206% | 1,611 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.2943% | 2,641 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 1.1000% | 2,100 |
| Return on assets (ROA) | 1.0764% | 2,144 |
| Pretax return on assets | 1.4145% | 1,671 |
| Return on Equity (ROE) | 12.5500% | 1,857 |
| Retained earnings to average equity (ytd only) | 10.2180% | 1,283 |
| Net charge-offs to loans | 0.2954% | 223 |
| Credit loss provision to net charge-offs | -15.6544% | 4,615 |
| Earnings coverage of net charge-offs (x) | 6.7051% | 2,101 |
| Efficiency ratio | 61.5721% | 2,886 |
| Assets per employee ($millions) | 6.5026% | 2,316 |
| Cash dividends to net income (ytd only)* | 18.6115% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 2,058 |
| Loan loss allowance to noncurrent loans | 236.5250% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.4074% | 1,334 |
| Noncurrent loans to loans | 0.5469% | 1,449 |
| Net loans and leases to total assets | 73.5200% | 1,137 |
| Net loans and leases to deposits | 81.6889% | 1,467 |
| Net loans and leases to core deposits | 85.0016% | 1,585 |
| Total domestic deposits to total assets | 90.0000% | 1,665 |
| Equity capital to assets | 8.7939% | 2,352 |
| Core capital (leverage) ratio | 8.6898% | 3,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0291% | 2,463 |
| Memoranda: | ||
| Average total assets | $1,011,598,000 | 973 |
| Average earning assets | $951,337,250 | 958 |
| Average equity | $86,734,000 | 1,078 |
| Average total loans | $720,706,750 | 879 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5610% | 1,958 |
| Cost of funding earning assets | 0.2936% | 1,777 |
| Net interest margin | 3.2674% | 2,004 |
| Noninterest income to average assets | 0.3937% | 2,793 |
| Noninterest expense to average assets | 2.2674% | 2,642 |
| Loan and lease loss provision to assets | -0.0489% | 4,514 |
| Net operating income to assets | 0.9520% | 2,353 |
| Return on assets (ROA) | 0.9286% | 2,428 |
| Pretax return on assets | 1.2202% | 2,005 |
| Return on Equity (ROE) | 10.9206% | 2,006 |
| Retained earnings to average equity (ytd only) | 8.5606% | 1,412 |
| Net charge-offs to loans | 0.2516% | 257 |
| Credit loss provision to net charge-offs | -27.7162% | 2,999 |
| Earnings coverage of net charge-offs (x) | 6.7993% | 1,877 |
| Efficiency ratio | 65.0164% | 2,637 |
| Assets per employee ($millions) | 6.7296% | 2,149 |
| Cash dividends to net income (ytd only)* | 21.6108% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 1,771 |
| Loan loss allowance to noncurrent loans | 226.7753% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.4349% | 1,305 |
| Noncurrent loans to loans | 0.6158% | 1,380 |
| Net loans and leases to total assets | 69.6377% | 1,327 |
| Net loans and leases to deposits | 76.8942% | 1,621 |
| Net loans and leases to core deposits | 79.9459% | 1,721 |
| Total domestic deposits to total assets | 90.5630% | 1,435 |
| Equity capital to assets | 8.3265% | 2,884 |
| Core capital (leverage) ratio | 8.2655% | 4,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6734% | 2,622 |
| Memoranda: | ||
| Average total assets | $1,021,500,000 | 957 |
| Average earning assets | $961,196,333 | 945 |
| Average equity | $86,863,000 | 1,088 |
| Average total loans | $717,151,667 | 870 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4540% | 1,940 |
| Cost of funding earning assets | 0.3017% | 1,644 |
| Net interest margin | 3.1523% | 2,017 |
| Noninterest income to average assets | 0.3908% | 2,757 |
| Noninterest expense to average assets | 2.2677% | 2,621 |
| Loan and lease loss provision to assets | -0.0983% | 4,599 |
| Net operating income to assets | 0.9000% | 2,267 |
| Return on assets (ROA) | 0.8724% | 2,390 |
| Pretax return on assets | 1.1606% | 1,954 |
| Return on Equity (ROE) | 10.1523% | 1,906 |
| Retained earnings to average equity (ytd only) | 7.8144% | 1,637 |
| Net charge-offs to loans | 0.0871% | 570 |
| Credit loss provision to net charge-offs | -161.2903% | 2,940 |
| Earnings coverage of net charge-offs (x) | 18.0065% | 1,313 |
| Efficiency ratio | 67.0172% | 2,631 |
| Assets per employee ($millions) | 6.3907% | 2,456 |
| Cash dividends to net income (ytd only)* | 23.0284% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5162% | 1,504 |
| Loan loss allowance to noncurrent loans | 182.9502% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.5864% | 1,005 |
| Noncurrent loans to loans | 0.8288% | 1,133 |
| Net loans and leases to total assets | 69.6894% | 1,047 |
| Net loans and leases to deposits | 77.0684% | 1,357 |
| Net loans and leases to core deposits | 80.5884% | 1,444 |
| Total domestic deposits to total assets | 90.4254% | 1,329 |
| Equity capital to assets | 8.4036% | 3,238 |
| Core capital (leverage) ratio | 8.1551% | 4,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5621% | 2,755 |
| Memoranda: | ||
| Average total assets | $1,017,433,500 | 962 |
| Average earning assets | $959,931,000 | 954 |
| Average equity | $87,428,500 | 1,112 |
| Average total loans | $712,143,500 | 866 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4862% | 2,695 |
| Cost of funding earning assets | 0.4122% | 1,456 |
| Net interest margin | 3.0740% | 2,987 |
| Noninterest income to average assets | 0.4252% | 2,925 |
| Noninterest expense to average assets | 2.2653% | 2,901 |
| Loan and lease loss provision to assets | 0.0601% | 1,854 |
| Net operating income to assets | 0.7757% | 3,406 |
| Return on assets (ROA) | 0.7715% | 3,481 |
| Pretax return on assets | 0.9845% | 3,305 |
| Return on Equity (ROE) | 8.9219% | 2,943 |
| Retained earnings to average equity (ytd only) | 6.5357% | 2,109 |
| Net charge-offs to loans | 0.1175% | 766 |
| Credit loss provision to net charge-offs | 75.3769% | 1,985 |
| Earnings coverage of net charge-offs (x) | 13.1746% | 2,086 |
| Efficiency ratio | 67.8625% | 2,002 |
| Assets per employee ($millions) | 6.4072% | 2,407 |
| Cash dividends to net income (ytd only)* | 26.7454% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6032% | 1,248 |
| Loan loss allowance to noncurrent loans | 130.0253% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.9358% | 611 |
| Noncurrent loans to loans | 1.2330% | 782 |
| Net loans and leases to total assets | 68.1180% | 1,250 |
| Net loans and leases to deposits | 75.5847% | 1,598 |
| Net loans and leases to core deposits | 79.6185% | 1,632 |
| Total domestic deposits to total assets | 90.1213% | 903 |
| Equity capital to assets | 8.7819% | 3,823 |
| Core capital (leverage) ratio | 8.1094% | 4,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8762% | 2,674 |
| Memoranda: | ||
| Average total assets | $998,862,400 | 961 |
| Average earning assets | $939,080,600 | 956 |
| Average equity | $86,371,800 | 1,136 |
| Average total loans | $677,599,600 | 905 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4828% | 2,885 |
| Cost of funding earning assets | 0.4362% | 1,447 |
| Net interest margin | 3.0467% | 3,189 |
| Noninterest income to average assets | 0.4254% | 2,955 |
| Noninterest expense to average assets | 2.2736% | 2,825 |
| Loan and lease loss provision to assets | 0.1409% | 804 |
| Net operating income to assets | 0.6661% | 3,849 |
| Return on assets (ROA) | 0.6624% | 3,916 |
| Pretax return on assets | 0.8679% | 3,763 |
| Return on Equity (ROE) | 7.6916% | 3,479 |
| Retained earnings to average equity (ytd only) | 5.2694% | 3,110 |
| Net charge-offs to loans | 0.1322% | 611 |
| Credit loss provision to net charge-offs | 157.8947% | 1,328 |
| Earnings coverage of net charge-offs (x) | 11.3609% | 1,998 |
| Efficiency ratio | 68.6936% | 1,735 |
| Assets per employee ($millions) | 6.2505% | 2,453 |
| Cash dividends to net income (ytd only)* | 31.4905% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7160% | 1,083 |
| Loan loss allowance to noncurrent loans | 185.7210% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.7516% | 965 |
| Noncurrent loans to loans | 0.9240% | 1,242 |
| Net loans and leases to total assets | 66.4231% | 1,494 |
| Net loans and leases to deposits | 73.6467% | 1,896 |
| Net loans and leases to core deposits | 78.6728% | 1,843 |
| Total domestic deposits to total assets | 90.1916% | 689 |
| Equity capital to assets | 8.5211% | 4,195 |
| Core capital (leverage) ratio | 7.9043% | 4,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8053% | 2,771 |
| Memoranda: | ||
| Average total assets | $993,890,750 | 976 |
| Average earning assets | $933,541,750 | 972 |
| Average equity | $85,598,250 | 1,163 |
| Average total loans | $670,685,000 | 934 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5009% | 2,890 |
| Cost of funding earning assets | 0.4586% | 1,462 |
| Net interest margin | 3.0423% | 3,203 |
| Noninterest income to average assets | 0.4344% | 2,934 |
| Noninterest expense to average assets | 2.2593% | 2,884 |
| Loan and lease loss provision to assets | 0.3050% | 279 |
| Net operating income to assets | 0.5535% | 4,098 |
| Return on assets (ROA) | 0.5489% | 4,162 |
| Pretax return on assets | 0.7187% | 4,024 |
| Return on Equity (ROE) | 6.3495% | 3,823 |
| Retained earnings to average equity (ytd only) | 3.8793% | 3,557 |
| Net charge-offs to loans | 0.1254% | 623 |
| Credit loss provision to net charge-offs | 360.5769% | 813 |
| Earnings coverage of net charge-offs (x) | 12.1707% | 1,732 |
| Efficiency ratio | 68.2186% | 1,855 |
| Assets per employee ($millions) | 6.2199% | 2,412 |
| Cash dividends to net income (ytd only)* | 38.9033% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8671% | 783 |
| Loan loss allowance to noncurrent loans | 203.4098% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.8330% | 944 |
| Noncurrent loans to loans | 0.9179% | 1,345 |
| Net loans and leases to total assets | 65.2527% | 1,793 |
| Net loans and leases to deposits | 72.2946% | 2,181 |
| Net loans and leases to core deposits | 77.5751% | 2,086 |
| Total domestic deposits to total assets | 90.2595% | 666 |
| Equity capital to assets | 8.4761% | 4,224 |
| Core capital (leverage) ratio | 7.9079% | 4,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8312% | 2,764 |
| Memoranda: | ||
| Average total assets | $983,496,000 | 981 |
| Average earning assets | $922,792,333 | 972 |
| Average equity | $85,015,000 | 1,163 |
| Average total loans | $663,321,667 | 937 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5526% | 2,779 |
| Cost of funding earning assets | 0.4871% | 1,474 |
| Net interest margin | 3.0654% | 3,093 |
| Noninterest income to average assets | 0.4693% | 2,760 |
| Noninterest expense to average assets | 2.2997% | 2,796 |
| Loan and lease loss provision to assets | 0.4957% | 130 |
| Net operating income to assets | 0.4270% | 4,316 |
| Return on assets (ROA) | 0.4156% | 4,363 |
| Pretax return on assets | 0.5424% | 4,289 |
| Return on Equity (ROE) | 4.7590% | 4,137 |
| Retained earnings to average equity (ytd only) | 2.2754% | 3,954 |
| Net charge-offs to loans | 0.1167% | 604 |
| Credit loss provision to net charge-offs | 625.0000% | 541 |
| Earnings coverage of net charge-offs (x) | 13.2708% | 1,407 |
| Efficiency ratio | 68.1208% | 1,919 |
| Assets per employee ($millions) | 6.3556% | 2,287 |
| Cash dividends to net income (ytd only)* | 52.1869% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8870% | 755 |
| Loan loss allowance to noncurrent loans | 259.7799% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.7275% | 1,274 |
| Noncurrent loans to loans | 0.7264% | 1,786 |
| Net loans and leases to total assets | 65.6081% | 1,844 |
| Net loans and leases to deposits | 73.1958% | 2,194 |
| Net loans and leases to core deposits | 78.8858% | 2,104 |
| Total domestic deposits to total assets | 89.6337% | 1,004 |
| Equity capital to assets | 8.5086% | 4,111 |
| Core capital (leverage) ratio | 8.2085% | 4,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9115% | 2,700 |
| Memoranda: | ||
| Average total assets | $968,321,000 | 980 |
| Average earning assets | $910,668,000 | 968 |
| Average equity | $84,555,000 | 1,152 |
| Average total loans | $657,908,000 | 936 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1459% | 2,294 |
| Cost of funding earning assets | 0.7710% | 1,340 |
| Net interest margin | 3.3749% | 2,852 |
| Noninterest income to average assets | 0.3705% | 3,265 |
| Noninterest expense to average assets | 2.3682% | 3,213 |
| Loan and lease loss provision to assets | 0.6137% | 319 |
| Net operating income to assets | 0.4230% | 4,202 |
| Return on assets (ROA) | 0.4436% | 4,234 |
| Pretax return on assets | 0.5855% | 4,105 |
| Return on Equity (ROE) | 4.8060% | 3,952 |
| Retained earnings to average equity (ytd only) | 2.6917% | 3,510 |
| Net charge-offs to loans | 0.1496% | 1,086 |
| Credit loss provision to net charge-offs | 562.5000% | 1,161 |
| Earnings coverage of net charge-offs (x) | 10.7531% | 2,440 |
| Efficiency ratio | 66.1789% | 2,501 |
| Assets per employee ($millions) | 6.2182% | 2,152 |
| Cash dividends to net income (ytd only)* | 43.9918% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7621% | 925 |
| Loan loss allowance to noncurrent loans | 258.2622% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.7545% | 1,364 |
| Noncurrent loans to loans | 0.6823% | 1,980 |
| Net loans and leases to total assets | 67.8519% | 1,844 |
| Net loans and leases to deposits | 76.0594% | 2,277 |
| Net loans and leases to core deposits | 82.4123% | 2,162 |
| Total domestic deposits to total assets | 89.2091% | 893 |
| Equity capital to assets | 8.9666% | 4,084 |
| Core capital (leverage) ratio | 8.0674% | 4,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8967% | 2,671 |
| Memoranda: | ||
| Average total assets | $879,926,200 | 984 |
| Average earning assets | $826,721,600 | 977 |
| Average equity | $81,211,200 | 1,144 |
| Average total loans | $641,513,800 | 924 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2505% | 2,248 |
| Cost of funding earning assets | 0.8239% | 1,386 |
| Net interest margin | 3.4267% | 2,828 |
| Noninterest income to average assets | 0.3423% | 3,423 |
| Noninterest expense to average assets | 2.3675% | 3,230 |
| Loan and lease loss provision to assets | 0.6021% | 419 |
| Net operating income to assets | 0.4485% | 4,170 |
| Return on assets (ROA) | 0.4771% | 4,171 |
| Pretax return on assets | 0.6297% | 4,051 |
| Return on Equity (ROE) | 5.1289% | 3,858 |
| Retained earnings to average equity (ytd only) | 3.1072% | 3,474 |
| Net charge-offs to loans | 0.2113% | 725 |
| Credit loss provision to net charge-offs | 385.3755% | 1,508 |
| Earnings coverage of net charge-offs (x) | 7.6532% | 2,562 |
| Efficiency ratio | 65.7409% | 2,498 |
| Assets per employee ($millions) | 6.0057% | 2,261 |
| Cash dividends to net income (ytd only)* | 39.4175% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5746% | 1,173 |
| Loan loss allowance to noncurrent loans | 238.8382% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.7337% | 1,589 |
| Noncurrent loans to loans | 0.6593% | 2,138 |
| Net loans and leases to total assets | 65.5449% | 2,576 |
| Net loans and leases to deposits | 75.0036% | 2,855 |
| Net loans and leases to core deposits | 82.0127% | 2,661 |
| Total domestic deposits to total assets | 87.3889% | 1,499 |
| Equity capital to assets | 8.5758% | 4,422 |
| Core capital (leverage) ratio | 7.9611% | 4,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7866% | 2,687 |
| Memoranda: | ||
| Average total assets | $863,616,250 | 988 |
| Average earning assets | $811,765,000 | 978 |
| Average equity | $80,326,750 | 1,146 |
| Average total loans | $638,688,250 | 928 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4558% | 2,054 |
| Cost of funding earning assets | 0.8856% | 1,437 |
| Net interest margin | 3.5702% | 2,579 |
| Noninterest income to average assets | 0.3499% | 3,384 |
| Noninterest expense to average assets | 2.4371% | 3,148 |
| Loan and lease loss provision to assets | 0.5747% | 568 |
| Net operating income to assets | 0.5290% | 3,935 |
| Return on assets (ROA) | 0.5733% | 3,898 |
| Pretax return on assets | 0.7565% | 3,723 |
| Return on Equity (ROE) | 5.9867% | 3,514 |
| Retained earnings to average equity (ytd only) | 4.1837% | 2,830 |
| Net charge-offs to loans | 0.1485% | 971 |
| Credit loss provision to net charge-offs | 504.2017% | 1,224 |
| Earnings coverage of net charge-offs (x) | 11.1870% | 2,106 |
| Efficiency ratio | 64.9529% | 2,666 |
| Assets per employee ($millions) | 5.8711% | 2,298 |
| Cash dividends to net income (ytd only)* | 30.1170% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 1,592 |
| Loan loss allowance to noncurrent loans | 191.4164% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.7906% | 1,574 |
| Noncurrent loans to loans | 0.7308% | 2,048 |
| Net loans and leases to total assets | 69.1640% | 2,163 |
| Net loans and leases to deposits | 79.5551% | 2,482 |
| Net loans and leases to core deposits | 87.6832% | 2,282 |
| Total domestic deposits to total assets | 86.9384% | 1,643 |
| Equity capital to assets | 8.8537% | 4,210 |
| Core capital (leverage) ratio | 8.6431% | 4,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7070% | 2,730 |
| Memoranda: | ||
| Average total assets | $835,190,000 | 997 |
| Average earning assets | $786,571,333 | 983 |
| Average equity | $79,977,333 | 1,140 |
| Average total loans | $640,950,333 | 910 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8014% | 1,413 |
| Cost of funding earning assets | 0.9708% | 1,560 |
| Net interest margin | 3.8306% | 1,870 |
| Noninterest income to average assets | 0.3950% | 3,137 |
| Noninterest expense to average assets | 2.5887% | 3,009 |
| Loan and lease loss provision to assets | 0.1510% | 1,886 |
| Net operating income to assets | 0.9459% | 2,359 |
| Return on assets (ROA) | 0.9964% | 2,288 |
| Pretax return on assets | 1.3215% | 1,809 |
| Return on Equity (ROE) | 9.9722% | 1,754 |
| Retained earnings to average equity (ytd only) | 8.1591% | 1,184 |
| Net charge-offs to loans | 0.0831% | 1,204 |
| Credit loss provision to net charge-offs | 225.5639% | 1,346 |
| Earnings coverage of net charge-offs (x) | 21.0451% | 1,396 |
| Efficiency ratio | 64.0816% | 3,223 |
| Assets per employee ($millions) | 5.0229% | 2,624 |
| Cash dividends to net income (ytd only)* | 18.1818% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1124% | 3,130 |
| Loan loss allowance to noncurrent loans | 139.6292% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.9570% | 1,393 |
| Noncurrent loans to loans | 0.7967% | 2,016 |
| Net loans and leases to total assets | 80.9830% | 566 |
| Net loans and leases to deposits | 97.6320% | 767 |
| Net loans and leases to core deposits | 109.3280% | 884 |
| Total domestic deposits to total assets | 82.9471% | 3,133 |
| Equity capital to assets | 10.1474% | 3,655 |
| Core capital (leverage) ratio | 9.3700% | 4,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6951% | 2,844 |
| Memoranda: | ||
| Average total assets | $794,838,500 | 1,011 |
| Average earning assets | $747,456,000 | 990 |
| Average equity | $79,421,000 | 1,144 |
| Average total loans | $640,198,000 | 891 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0863% | 1,245 |
| Cost of funding earning assets | 0.9959% | 1,740 |
| Net interest margin | 4.0904% | 1,566 |
| Noninterest income to average assets | 0.4095% | 3,234 |
| Noninterest expense to average assets | 2.6911% | 2,910 |
| Loan and lease loss provision to assets | 0.1556% | 1,356 |
| Net operating income to assets | 1.0018% | 2,842 |
| Return on assets (ROA) | 1.0108% | 2,899 |
| Pretax return on assets | 1.4050% | 2,138 |
| Return on Equity (ROE) | 10.3839% | 2,126 |
| Retained earnings to average equity (ytd only) | 7.2152% | 1,303 |
| Net charge-offs to loans | 0.1879% | 1,077 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 9.9567% | 2,612 |
| Efficiency ratio | 62.5417% | 3,285 |
| Assets per employee ($millions) | 5.0704% | 2,489 |
| Cash dividends to net income (ytd only)* | 30.5156% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 2,833 |
| Loan loss allowance to noncurrent loans | 160.8884% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.8551% | 1,503 |
| Noncurrent loans to loans | 0.6963% | 2,140 |
| Net loans and leases to total assets | 78.3117% | 1,030 |
| Net loans and leases to deposits | 93.9736% | 1,154 |
| Net loans and leases to core deposits | 107.1139% | 1,037 |
| Total domestic deposits to total assets | 83.3337% | 3,090 |
| Equity capital to assets | 9.8372% | 4,069 |
| Core capital (leverage) ratio | 9.1057% | 4,442 |
| Tier 1 risk-based capital ratio | 11.5673% | 4,590 |
| Total risk-based capital ratio | 12.7486% | 4,507 |
| Memoranda: | ||
| Average total assets | $771,236,000 | 1,002 |
| Average earning assets | $722,292,600 | 986 |
| Average equity | $75,077,600 | 1,150 |
| Average total loans | $638,557,000 | 868 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1201% | 1,246 |
| Cost of funding earning assets | 0.9917% | 1,800 |
| Net interest margin | 4.1284% | 1,554 |
| Noninterest income to average assets | 0.4512% | 3,010 |
| Noninterest expense to average assets | 2.7392% | 2,757 |
| Loan and lease loss provision to assets | 0.1569% | 1,200 |
| Net operating income to assets | 1.0173% | 2,918 |
| Return on assets (ROA) | 1.0173% | 2,993 |
| Pretax return on assets | 1.4178% | 2,242 |
| Return on Equity (ROE) | 10.4787% | 2,224 |
| Retained earnings to average equity (ytd only) | 6.8811% | 1,920 |
| Net charge-offs to loans | 0.1892% | 905 |
| Credit loss provision to net charge-offs | 99.0099% | 2,294 |
| Earnings coverage of net charge-offs (x) | 9.9395% | 2,537 |
| Efficiency ratio | 62.5848% | 3,236 |
| Assets per employee ($millions) | 4.9212% | 2,641 |
| Cash dividends to net income (ytd only)* | 34.3327% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 2,959 |
| Loan loss allowance to noncurrent loans | 137.5853% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 1.1066% | 1,182 |
| Noncurrent loans to loans | 0.8091% | 1,947 |
| Net loans and leases to total assets | 79.0859% | 974 |
| Net loans and leases to deposits | 94.8195% | 1,147 |
| Net loans and leases to core deposits | 108.5530% | 1,017 |
| Total domestic deposits to total assets | 83.4068% | 3,022 |
| Equity capital to assets | 9.7006% | 4,289 |
| Core capital (leverage) ratio | 9.0009% | 4,637 |
| Tier 1 risk-based capital ratio | 11.2063% | 4,822 |
| Total risk-based capital ratio | 12.3802% | 4,738 |
| Memoranda: | ||
| Average total assets | $765,031,000 | 1,011 |
| Average earning assets | $715,771,000 | 994 |
| Average equity | $74,269,500 | 1,158 |
| Average total loans | $640,579,250 | 865 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1433% | 1,121 |
| Cost of funding earning assets | 0.9741% | 1,814 |
| Net interest margin | 4.1692% | 1,434 |
| Noninterest income to average assets | 0.4127% | 3,185 |
| Noninterest expense to average assets | 2.7941% | 2,607 |
| Loan and lease loss provision to assets | 0.1587% | 1,145 |
| Net operating income to assets | 0.9834% | 2,980 |
| Return on assets (ROA) | 0.9834% | 3,048 |
| Pretax return on assets | 1.3633% | 2,330 |
| Return on Equity (ROE) | 10.1272% | 2,331 |
| Retained earnings to average equity (ytd only) | 6.2011% | 2,190 |
| Net charge-offs to loans | 0.1857% | 888 |
| Credit loss provision to net charge-offs | 100.5025% | 1,956 |
| Earnings coverage of net charge-offs (x) | 9.6365% | 2,328 |
| Efficiency ratio | 63.8102% | 3,160 |
| Assets per employee ($millions) | 4.8411% | 2,683 |
| Cash dividends to net income (ytd only)* | 38.7678% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 3,110 |
| Loan loss allowance to noncurrent loans | 137.5243% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 1.1458% | 1,173 |
| Noncurrent loans to loans | 0.7945% | 2,006 |
| Net loans and leases to total assets | 83.0997% | 459 |
| Net loans and leases to deposits | 99.9238% | 684 |
| Net loans and leases to core deposits | 115.4430% | 706 |
| Total domestic deposits to total assets | 83.1631% | 3,154 |
| Equity capital to assets | 9.7576% | 4,185 |
| Core capital (leverage) ratio | 8.9500% | 4,671 |
| Tier 1 risk-based capital ratio | 10.7461% | 5,020 |
| Total risk-based capital ratio | 11.9110% | 4,960 |
| Memoranda: | ||
| Average total assets | $755,937,330 | 1,024 |
| Average earning assets | $707,760,670 | 1,005 |
| Average equity | $73,406,330 | 1,165 |
| Average total loans | $642,885,330 | 864 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1155% | 1,067 |
| Cost of funding earning assets | 0.9432% | 1,820 |
| Net interest margin | 4.1723% | 1,367 |
| Noninterest income to average assets | 0.4010% | 3,174 |
| Noninterest expense to average assets | 2.8415% | 2,438 |
| Loan and lease loss provision to assets | 0.1602% | 1,054 |
| Net operating income to assets | 0.9383% | 3,099 |
| Return on assets (ROA) | 0.9383% | 3,141 |
| Pretax return on assets | 1.3110% | 2,413 |
| Return on Equity (ROE) | 9.6864% | 2,501 |
| Retained earnings to average equity (ytd only) | 6.5550% | 2,227 |
| Net charge-offs to loans | 0.1872% | 743 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 9.1833% | 2,045 |
| Efficiency ratio | 64.9455% | 3,092 |
| Assets per employee ($millions) | 4.6005% | 3,040 |
| Cash dividends to net income (ytd only)* | 32.3278% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 3,190 |
| Loan loss allowance to noncurrent loans | 78.1824% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 1.7000% | 652 |
| Noncurrent loans to loans | 1.3912% | 1,161 |
| Net loans and leases to total assets | 84.6159% | 320 |
| Net loans and leases to deposits | 101.8555% | 508 |
| Net loans and leases to core deposits | 117.0958% | 611 |
| Total domestic deposits to total assets | 83.0745% | 3,355 |
| Equity capital to assets | 9.6787% | 4,110 |
| Core capital (leverage) ratio | 8.9271% | 4,699 |
| Tier 1 risk-based capital ratio | 10.4251% | 5,189 |
| Total risk-based capital ratio | 11.5827% | 5,145 |
| Memoranda: | ||
| Average total assets | $749,037,500 | 1,031 |
| Average earning assets | $702,256,000 | 1,011 |
| Average equity | $72,555,500 | 1,172 |
| Average total loans | $640,970,500 | 869 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0664% | 915 |
| Cost of funding earning assets | 0.7531% | 1,771 |
| Net interest margin | 4.3133% | 1,116 |
| Noninterest income to average assets | 0.4258% | 3,273 |
| Noninterest expense to average assets | 3.0528% | 1,919 |
| Loan and lease loss provision to assets | 0.1677% | 1,203 |
| Net operating income to assets | 0.8670% | 3,549 |
| Return on assets (ROA) | 0.8670% | 3,545 |
| Pretax return on assets | 1.2355% | 2,757 |
| Return on Equity (ROE) | 9.2228% | 2,876 |
| Retained earnings to average equity (ytd only) | 6.2538% | 2,057 |
| Net charge-offs to loans | 0.1385% | 1,371 |
| Credit loss provision to net charge-offs | 144.1718% | 1,887 |
| Earnings coverage of net charge-offs (x) | 12.0650% | 2,568 |
| Efficiency ratio | 67.1652% | 2,683 |
| Assets per employee ($millions) | 4.5900% | 3,034 |
| Cash dividends to net income (ytd only)* | 32.1922% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 2,999 |
| Loan loss allowance to noncurrent loans | 72.4113% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.8152% | 563 |
| Noncurrent loans to loans | 1.5419% | 974 |
| Net loans and leases to total assets | 84.6436% | 355 |
| Net loans and leases to deposits | 101.6635% | 618 |
| Net loans and leases to core deposits | 114.8643% | 743 |
| Total domestic deposits to total assets | 83.2587% | 3,240 |
| Equity capital to assets | 9.6945% | 3,957 |
| Core capital (leverage) ratio | 8.7375% | 4,852 |
| Tier 1 risk-based capital ratio | 10.4870% | 5,186 |
| Total risk-based capital ratio | 11.6846% | 5,109 |
| Memoranda: | ||
| Average total assets | $700,775,000 | 1,059 |
| Average earning assets | $654,758,600 | 1,048 |
| Average equity | $65,880,400 | 1,224 |
| Average total loans | $588,307,600 | 914 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9667% | 1,002 |
| Cost of funding earning assets | 0.7157% | 1,769 |
| Net interest margin | 4.2510% | 1,230 |
| Noninterest income to average assets | 0.4037% | 3,459 |
| Noninterest expense to average assets | 3.0749% | 1,828 |
| Loan and lease loss provision to assets | 0.1591% | 1,216 |
| Net operating income to assets | 0.8248% | 3,824 |
| Return on assets (ROA) | 0.8248% | 3,835 |
| Pretax return on assets | 1.1350% | 3,262 |
| Return on Equity (ROE) | 8.8473% | 3,157 |
| Retained earnings to average equity (ytd only) | 6.0375% | 2,640 |
| Net charge-offs to loans | 0.0698% | 1,840 |
| Credit loss provision to net charge-offs | 273.1788% | 1,103 |
| Earnings coverage of net charge-offs (x) | 22.2150% | 1,890 |
| Efficiency ratio | 69.0817% | 2,343 |
| Assets per employee ($millions) | 4.6993% | 2,850 |
| Cash dividends to net income (ytd only)* | 31.7586% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 2,842 |
| Loan loss allowance to noncurrent loans | 79.5990% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.7866% | 652 |
| Noncurrent loans to loans | 1.4583% | 1,119 |
| Net loans and leases to total assets | 83.3986% | 527 |
| Net loans and leases to deposits | 98.8643% | 873 |
| Net loans and leases to core deposits | 111.0409% | 969 |
| Total domestic deposits to total assets | 84.3566% | 2,832 |
| Equity capital to assets | 9.4774% | 4,099 |
| Core capital (leverage) ratio | 8.4578% | 5,114 |
| Tier 1 risk-based capital ratio | 10.2047% | 5,329 |
| Total risk-based capital ratio | 11.4397% | 5,263 |
| Memoranda: | ||
| Average total assets | $691,219,500 | 1,072 |
| Average earning assets | $644,756,750 | 1,057 |
| Average equity | $64,440,000 | 1,244 |
| Average total loans | $577,240,250 | 933 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8935% | 1,037 |
| Cost of funding earning assets | 0.6890% | 1,688 |
| Net interest margin | 4.2046% | 1,283 |
| Noninterest income to average assets | 0.4129% | 3,404 |
| Noninterest expense to average assets | 3.2195% | 1,489 |
| Loan and lease loss provision to assets | 0.1554% | 1,212 |
| Net operating income to assets | 0.6740% | 4,269 |
| Return on assets (ROA) | 0.6740% | 4,275 |
| Pretax return on assets | 0.9614% | 3,771 |
| Return on Equity (ROE) | 7.2733% | 3,807 |
| Retained earnings to average equity (ytd only) | 4.8297% | 3,160 |
| Net charge-offs to loans | 0.0470% | 1,942 |
| Credit loss provision to net charge-offs | 397.7273% | 827 |
| Earnings coverage of net charge-offs (x) | 28.5833% | 1,551 |
| Efficiency ratio | 73.0990% | 1,835 |
| Assets per employee ($millions) | 4.5272% | 3,092 |
| Cash dividends to net income (ytd only)* | 33.5968% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 2,874 |
| Loan loss allowance to noncurrent loans | 116.1945% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 1.3977% | 992 |
| Noncurrent loans to loans | 1.0084% | 1,736 |
| Net loans and leases to total assets | 81.6123% | 755 |
| Net loans and leases to deposits | 96.7482% | 1,064 |
| Net loans and leases to core deposits | 107.2139% | 1,170 |
| Total domestic deposits to total assets | 84.3554% | 2,933 |
| Equity capital to assets | 9.3781% | 4,206 |
| Core capital (leverage) ratio | 8.3018% | 5,211 |
| Tier 1 risk-based capital ratio | 10.0813% | 5,412 |
| Total risk-based capital ratio | 11.3198% | 5,348 |
| Memoranda: | ||
| Average total assets | $675,698,330 | 1,088 |
| Average earning assets | $630,505,000 | 1,079 |
| Average equity | $62,612,330 | 1,278 |
| Average total loans | $562,144,670 | 946 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6520% | 1,430 |
| Cost of funding earning assets | 0.6347% | 1,812 |
| Net interest margin | 4.0173% | 1,669 |
| Noninterest income to average assets | 0.4224% | 3,299 |
| Noninterest expense to average assets | 2.8588% | 2,501 |
| Loan and lease loss provision to assets | 0.1546% | 1,171 |
| Net operating income to assets | 0.8534% | 3,487 |
| Return on assets (ROA) | 0.8534% | 3,503 |
| Pretax return on assets | 1.1663% | 2,901 |
| Return on Equity (ROE) | 9.2728% | 2,781 |
| Retained earnings to average equity (ytd only) | 6.9076% | 2,324 |
| Net charge-offs to loans | -0.0548% | 5,010 |
| Credit loss provision to net charge-offs | -337.8378% | 3,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7023% | 2,881 |
| Assets per employee ($millions) | 3.8103% | 4,276 |
| Cash dividends to net income (ytd only)* | 25.5072% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 3,094 |
| Loan loss allowance to noncurrent loans | 107.8919% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 1.4847% | 943 |
| Noncurrent loans to loans | 1.0653% | 1,718 |
| Net loans and leases to total assets | 82.6106% | 584 |
| Net loans and leases to deposits | 98.0154% | 857 |
| Net loans and leases to core deposits | 108.8564% | 1,070 |
| Total domestic deposits to total assets | 84.2833% | 3,205 |
| Equity capital to assets | 9.3447% | 4,232 |
| Core capital (leverage) ratio | 8.2983% | 5,262 |
| Tier 1 risk-based capital ratio | 9.9677% | 5,509 |
| Total risk-based capital ratio | 11.1496% | 5,471 |
| Memoranda: | ||
| Average total assets | $646,846,500 | 1,140 |
| Average earning assets | $604,989,500 | 1,122 |
| Average equity | $59,529,000 | 1,340 |
| Average total loans | $540,396,000 | 976 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6242% | 1,364 |
| Cost of funding earning assets | 0.5723% | 1,808 |
| Net interest margin | 4.0519% | 1,582 |
| Noninterest income to average assets | 0.5164% | 2,900 |
| Noninterest expense to average assets | 2.8824% | 2,516 |
| Loan and lease loss provision to assets | 0.1765% | 1,228 |
| Net operating income to assets | 0.6696% | 3,731 |
| Return on assets (ROA) | 0.6687% | 3,781 |
| Pretax return on assets | 1.2738% | 2,451 |
| Return on Equity (ROE) | 7.2192% | 3,167 |
| Retained earnings to average equity (ytd only) | 5.5193% | 1,807 |
| Net charge-offs to loans | 0.1413% | 1,661 |
| Credit loss provision to net charge-offs | 150.2385% | 1,772 |
| Earnings coverage of net charge-offs (x) | 12.3577% | 2,483 |
| Efficiency ratio | 66.5029% | 3,169 |
| Assets per employee ($millions) | 4.3575% | 3,393 |
| Cash dividends to net income (ytd only)* | 23.5475% | 3,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 1,659 |
| Loan loss allowance to noncurrent loans | 115.1520% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 1.6858% | 766 |
| Noncurrent loans to loans | 1.2401% | 1,426 |
| Net loans and leases to total assets | 82.3143% | 638 |
| Net loans and leases to deposits | 99.4077% | 779 |
| Net loans and leases to core deposits | 108.7754% | 1,076 |
| Total domestic deposits to total assets | 82.8048% | 3,625 |
| Equity capital to assets | 9.0184% | 4,695 |
| Core capital (leverage) ratio | 9.1784% | 4,423 |
| Tier 1 risk-based capital ratio | 11.0904% | 5,094 |
| Total risk-based capital ratio | 12.3436% | 4,973 |
| Memoranda: | ||
| Average total assets | $535,387,200 | 1,313 |
| Average earning assets | $504,456,200 | 1,288 |
| Average equity | $49,589,800 | 1,528 |
| Average total loans | $445,295,000 | 1,139 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5999% | 1,369 |
| Cost of funding earning assets | 0.5584% | 1,827 |
| Net interest margin | 4.0415% | 1,565 |
| Noninterest income to average assets | 0.5303% | 2,837 |
| Noninterest expense to average assets | 2.8817% | 2,467 |
| Loan and lease loss provision to assets | 0.1816% | 1,097 |
| Net operating income to assets | 0.7969% | 3,534 |
| Return on assets (ROA) | 0.7956% | 3,586 |
| Pretax return on assets | 1.2781% | 2,595 |
| Return on Equity (ROE) | 8.5302% | 2,854 |
| Retained earnings to average equity (ytd only) | 6.7836% | 1,804 |
| Net charge-offs to loans | 0.1660% | 1,250 |
| Credit loss provision to net charge-offs | 131.6271% | 1,874 |
| Earnings coverage of net charge-offs (x) | 10.5959% | 2,582 |
| Efficiency ratio | 66.3473% | 3,157 |
| Assets per employee ($millions) | 4.3051% | 3,461 |
| Cash dividends to net income (ytd only)* | 20.4754% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4594% | 1,678 |
| Loan loss allowance to noncurrent loans | 146.8981% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 1.5106% | 1,006 |
| Noncurrent loans to loans | 0.9935% | 1,947 |
| Net loans and leases to total assets | 81.0004% | 842 |
| Net loans and leases to deposits | 98.1477% | 900 |
| Net loans and leases to core deposits | 106.1920% | 1,259 |
| Total domestic deposits to total assets | 82.5291% | 3,617 |
| Equity capital to assets | 9.2554% | 4,678 |
| Core capital (leverage) ratio | 9.3132% | 4,393 |
| Tier 1 risk-based capital ratio | 11.5071% | 4,961 |
| Total risk-based capital ratio | 12.7606% | 4,847 |
| Memoranda: | ||
| Average total assets | $528,705,250 | 1,339 |
| Average earning assets | $498,811,500 | 1,310 |
| Average equity | $49,313,750 | 1,547 |
| Average total loans | $439,267,750 | 1,158 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5783% | 1,303 |
| Cost of funding earning assets | 0.5465% | 1,800 |
| Net interest margin | 4.0318% | 1,511 |
| Noninterest income to average assets | 0.5387% | 2,769 |
| Noninterest expense to average assets | 2.8016% | 2,758 |
| Loan and lease loss provision to assets | 0.1894% | 989 |
| Net operating income to assets | 0.8571% | 3,129 |
| Return on assets (ROA) | 0.8552% | 3,184 |
| Pretax return on assets | 1.3557% | 2,185 |
| Return on Equity (ROE) | 9.1441% | 2,442 |
| Retained earnings to average equity (ytd only) | 7.3112% | 1,446 |
| Net charge-offs to loans | 0.2106% | 972 |
| Credit loss provision to net charge-offs | 107.8431% | 1,913 |
| Earnings coverage of net charge-offs (x) | 8.8148% | 2,481 |
| Efficiency ratio | 64.4089% | 3,605 |
| Assets per employee ($millions) | 4.2307% | 3,559 |
| Cash dividends to net income (ytd only)* | 20.0447% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4521% | 1,750 |
| Loan loss allowance to noncurrent loans | 140.7099% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 1.3423% | 1,203 |
| Noncurrent loans to loans | 1.0320% | 1,903 |
| Net loans and leases to total assets | 81.1167% | 798 |
| Net loans and leases to deposits | 98.5762% | 835 |
| Net loans and leases to core deposits | 106.9990% | 1,160 |
| Total domestic deposits to total assets | 82.2883% | 3,810 |
| Equity capital to assets | 9.2802% | 4,644 |
| Core capital (leverage) ratio | 9.5244% | 4,110 |
| Tier 1 risk-based capital ratio | 11.5867% | 4,900 |
| Total risk-based capital ratio | 12.8404% | 4,783 |
| Memoranda: | ||
| Average total assets | $522,693,000 | 1,358 |
| Average earning assets | $494,066,330 | 1,334 |
| Average equity | $48,884,000 | 1,563 |
| Average total loans | $435,883,000 | 1,166 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5458% | 1,266 |
| Cost of funding earning assets | 0.5486% | 1,724 |
| Net interest margin | 3.9972% | 1,483 |
| Noninterest income to average assets | 0.6155% | 2,347 |
| Noninterest expense to average assets | 2.7272% | 3,043 |
| Loan and lease loss provision to assets | 0.1746% | 1,011 |
| Net operating income to assets | 0.9406% | 2,560 |
| Return on assets (ROA) | 0.9406% | 2,620 |
| Pretax return on assets | 1.4963% | 1,541 |
| Return on Equity (ROE) | 10.0176% | 1,954 |
| Retained earnings to average equity (ytd only) | 8.6621% | 1,202 |
| Net charge-offs to loans | 0.1008% | 1,365 |
| Credit loss provision to net charge-offs | 206.4220% | 1,001 |
| Earnings coverage of net charge-offs (x) | 19.7523% | 1,511 |
| Efficiency ratio | 62.0081% | 4,146 |
| Assets per employee ($millions) | 4.2159% | 3,639 |
| Cash dividends to net income (ytd only)* | 13.5314% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4950% | 1,715 |
| Loan loss allowance to noncurrent loans | 175.8248% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 1.2444% | 1,391 |
| Noncurrent loans to loans | 0.8503% | 2,334 |
| Net loans and leases to total assets | 82.6195% | 499 |
| Net loans and leases to deposits | 97.6821% | 792 |
| Net loans and leases to core deposits | 107.3069% | 1,015 |
| Total domestic deposits to total assets | 84.5800% | 3,271 |
| Equity capital to assets | 9.4417% | 4,349 |
| Core capital (leverage) ratio | 9.6021% | 3,999 |
| Tier 1 risk-based capital ratio | 11.7865% | 4,858 |
| Total risk-based capital ratio | 13.0409% | 4,766 |
| Memoranda: | ||
| Average total assets | $515,392,000 | 1,378 |
| Average earning assets | $487,744,000 | 1,350 |
| Average equity | $48,395,000 | 1,573 |
| Average total loans | $432,695,500 | 1,177 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4463% | 1,697 |
| Cost of funding earning assets | 0.5979% | 1,348 |
| Net interest margin | 3.8483% | 2,145 |
| Noninterest income to average assets | 0.5200% | 3,099 |
| Noninterest expense to average assets | 2.6721% | 3,440 |
| Loan and lease loss provision to assets | 0.1717% | 1,417 |
| Net operating income to assets | 0.8087% | 3,264 |
| Return on assets (ROA) | 0.8148% | 3,346 |
| Pretax return on assets | 1.3091% | 2,248 |
| Return on Equity (ROE) | 8.7412% | 2,546 |
| Retained earnings to average equity (ytd only) | 7.4906% | 1,040 |
| Net charge-offs to loans | 0.3801% | 712 |
| Credit loss provision to net charge-offs | 55.2851% | 3,317 |
| Earnings coverage of net charge-offs (x) | 4.7380% | 3,456 |
| Efficiency ratio | 64.4918% | 3,853 |
| Assets per employee ($millions) | 4.2686% | 3,494 |
| Cash dividends to net income (ytd only)* | 14.3066% | 3,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4835% | 1,734 |
| Loan loss allowance to noncurrent loans | 176.5552% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 1.2071% | 1,494 |
| Noncurrent loans to loans | 0.8403% | 2,422 |
| Net loans and leases to total assets | 82.7902% | 503 |
| Net loans and leases to deposits | 97.8308% | 839 |
| Net loans and leases to core deposits | 107.2445% | 1,054 |
| Total domestic deposits to total assets | 84.6259% | 3,200 |
| Equity capital to assets | 9.3376% | 4,434 |
| Core capital (leverage) ratio | 9.3775% | 4,252 |
| Tier 1 risk-based capital ratio | 11.7433% | 4,899 |
| Total risk-based capital ratio | 12.9976% | 4,799 |
| Memoranda: | ||
| Average total assets | $502,722,200 | 1,369 |
| Average earning assets | $473,319,800 | 1,334 |
| Average equity | $46,858,600 | 1,614 |
| Average total loans | $410,731,600 | 1,178 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4149% | 1,815 |
| Cost of funding earning assets | 0.6038% | 1,294 |
| Net interest margin | 3.8111% | 2,292 |
| Noninterest income to average assets | 0.5295% | 3,049 |
| Noninterest expense to average assets | 2.6738% | 3,414 |
| Loan and lease loss provision to assets | 0.1697% | 1,339 |
| Net operating income to assets | 0.8003% | 3,365 |
| Return on assets (ROA) | 0.8085% | 3,467 |
| Pretax return on assets | 1.2796% | 2,502 |
| Return on Equity (ROE) | 8.6778% | 2,676 |
| Retained earnings to average equity (ytd only) | 7.5051% | 1,397 |
| Net charge-offs to loans | 0.3838% | 576 |
| Credit loss provision to net charge-offs | 54.5377% | 2,977 |
| Earnings coverage of net charge-offs (x) | 4.6156% | 3,246 |
| Efficiency ratio | 65.0502% | 3,754 |
| Assets per employee ($millions) | 4.3869% | 3,270 |
| Cash dividends to net income (ytd only)* | 13.5134% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5650% | 1,582 |
| Loan loss allowance to noncurrent loans | 181.2725% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 1.3439% | 1,404 |
| Noncurrent loans to loans | 0.8633% | 2,530 |
| Net loans and leases to total assets | 80.9967% | 758 |
| Net loans and leases to deposits | 95.8199% | 1,066 |
| Net loans and leases to core deposits | 104.8192% | 1,284 |
| Total domestic deposits to total assets | 84.5302% | 3,017 |
| Equity capital to assets | 9.4448% | 4,720 |
| Core capital (leverage) ratio | 9.2718% | 4,501 |
| Tier 1 risk-based capital ratio | 11.6594% | 5,007 |
| Total risk-based capital ratio | 12.9143% | 4,902 |
| Memoranda: | ||
| Average total assets | $500,345,000 | 1,376 |
| Average earning assets | $470,119,250 | 1,348 |
| Average equity | $46,615,750 | 1,628 |
| Average total loans | $405,798,750 | 1,192 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3892% | 1,858 |
| Cost of funding earning assets | 0.6023% | 1,296 |
| Net interest margin | 3.7869% | 2,378 |
| Noninterest income to average assets | 0.5568% | 2,870 |
| Noninterest expense to average assets | 2.6340% | 3,598 |
| Loan and lease loss provision to assets | 0.1652% | 1,359 |
| Net operating income to assets | 0.8283% | 3,179 |
| Return on assets (ROA) | 0.8406% | 3,261 |
| Pretax return on assets | 1.3331% | 2,272 |
| Return on Equity (ROE) | 9.0650% | 2,469 |
| Retained earnings to average equity (ytd only) | 7.9985% | 1,166 |
| Net charge-offs to loans | 0.5016% | 438 |
| Credit loss provision to net charge-offs | 40.8143% | 2,759 |
| Earnings coverage of net charge-offs (x) | 3.6534% | 3,079 |
| Efficiency ratio | 64.0407% | 4,008 |
| Assets per employee ($millions) | 4.3714% | 3,270 |
| Cash dividends to net income (ytd only)* | 11.7647% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5936% | 1,546 |
| Loan loss allowance to noncurrent loans | 171.8220% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 1.4232% | 1,370 |
| Noncurrent loans to loans | 0.9275% | 2,415 |
| Net loans and leases to total assets | 79.0097% | 1,066 |
| Net loans and leases to deposits | 94.0780% | 1,287 |
| Net loans and leases to core deposits | 103.8879% | 1,326 |
| Total domestic deposits to total assets | 83.9832% | 3,274 |
| Equity capital to assets | 9.3376% | 4,932 |
| Core capital (leverage) ratio | 9.2245% | 4,557 |
| Tier 1 risk-based capital ratio | 11.7191% | 5,022 |
| Total risk-based capital ratio | 12.9740% | 4,908 |
| Memoranda: | ||
| Average total assets | $497,501,670 | 1,393 |
| Average earning assets | $467,187,670 | 1,362 |
| Average equity | $46,133,670 | 1,644 |
| Average total loans | $401,490,000 | 1,208 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3860% | 1,846 |
| Cost of funding earning assets | 0.5915% | 1,392 |
| Net interest margin | 3.7945% | 2,305 |
| Noninterest income to average assets | 0.5293% | 2,939 |
| Noninterest expense to average assets | 2.6401% | 3,612 |
| Loan and lease loss provision to assets | 0.1518% | 1,395 |
| Net operating income to assets | 0.8183% | 3,158 |
| Return on assets (ROA) | 0.8183% | 3,284 |
| Pretax return on assets | 1.2998% | 2,308 |
| Return on Equity (ROE) | 8.8566% | 2,494 |
| Retained earnings to average equity (ytd only) | 8.1361% | 1,397 |
| Net charge-offs to loans | 0.4756% | 466 |
| Credit loss provision to net charge-offs | 39.4515% | 2,150 |
| Earnings coverage of net charge-offs (x) | 3.7722% | 2,501 |
| Efficiency ratio | 64.5238% | 4,038 |
| Assets per employee ($millions) | 4.3279% | 3,368 |
| Cash dividends to net income (ytd only)* | 8.1349% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7117% | 1,330 |
| Loan loss allowance to noncurrent loans | 160.1178% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 1.5826% | 1,267 |
| Noncurrent loans to loans | 1.0690% | 2,254 |
| Net loans and leases to total assets | 77.7437% | 1,135 |
| Net loans and leases to deposits | 92.5285% | 1,281 |
| Net loans and leases to core deposits | 102.0835% | 1,328 |
| Total domestic deposits to total assets | 84.0214% | 3,508 |
| Equity capital to assets | 9.1928% | 4,993 |
| Core capital (leverage) ratio | 9.4386% | 4,297 |
| Tier 1 risk-based capital ratio | 11.7015% | 5,106 |
| Total risk-based capital ratio | 12.9579% | 5,011 |
| Memoranda: | ||
| Average total assets | $492,709,000 | 1,401 |
| Average earning assets | $462,562,500 | 1,378 |
| Average equity | $45,525,500 | 1,657 |
| Average total loans | $398,667,000 | 1,208 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5974% | 1,334 |
| Cost of funding earning assets | 0.6183% | 1,248 |
| Net interest margin | 3.9791% | 1,788 |
| Noninterest income to average assets | 0.5548% | 2,989 |
| Noninterest expense to average assets | 2.8207% | 3,146 |
| Loan and lease loss provision to assets | 0.1281% | 1,883 |
| Net operating income to assets | 0.8428% | 3,142 |
| Return on assets (ROA) | 0.8432% | 3,209 |
| Pretax return on assets | 1.3280% | 2,168 |
| Return on Equity (ROE) | 8.5886% | 2,679 |
| Retained earnings to average equity (ytd only) | 0.2783% | 5,400 |
| Net charge-offs to loans | 0.4303% | 648 |
| Credit loss provision to net charge-offs | 35.2734% | 3,588 |
| Earnings coverage of net charge-offs (x) | 4.0082% | 3,621 |
| Efficiency ratio | 65.7698% | 3,942 |
| Assets per employee ($millions) | 4.2033% | 3,561 |
| Cash dividends to net income (ytd only)* | 96.7595% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7700% | 1,192 |
| Loan loss allowance to noncurrent loans | 159.0480% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 1.5329% | 1,311 |
| Noncurrent loans to loans | 1.1128% | 2,112 |
| Net loans and leases to total assets | 81.3335% | 660 |
| Net loans and leases to deposits | 95.7089% | 1,042 |
| Net loans and leases to core deposits | 106.7353% | 1,065 |
| Total domestic deposits to total assets | 84.9801% | 3,098 |
| Equity capital to assets | 9.2887% | 4,807 |
| Core capital (leverage) ratio | 9.1673% | 4,667 |
| Tier 1 risk-based capital ratio | 11.4498% | 5,284 |
| Total risk-based capital ratio | 12.7078% | 5,182 |
| Memoranda: | ||
| Average total assets | $468,461,400 | 1,437 |
| Average earning assets | $438,116,200 | 1,421 |
| Average equity | $45,991,200 | 1,603 |
| Average total loans | $395,342,600 | 1,167 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6051% | 1,317 |
| Cost of funding earning assets | 0.6198% | 1,278 |
| Net interest margin | 3.9854% | 1,744 |
| Noninterest income to average assets | 0.5924% | 2,787 |
| Noninterest expense to average assets | 2.8136% | 3,136 |
| Loan and lease loss provision to assets | 0.1291% | 1,755 |
| Net operating income to assets | 0.8607% | 3,123 |
| Return on assets (ROA) | 0.8613% | 3,212 |
| Pretax return on assets | 1.3717% | 2,130 |
| Return on Equity (ROE) | 8.6516% | 2,756 |
| Retained earnings to average equity (ytd only) | 8.6516% | 1,019 |
| Net charge-offs to loans | 0.3177% | 838 |
| Credit loss provision to net charge-offs | 47.9233% | 3,066 |
| Earnings coverage of net charge-offs (x) | 5.5676% | 3,185 |
| Efficiency ratio | 64.9684% | 4,070 |
| Assets per employee ($millions) | 4.2395% | 3,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9070% | 1,061 |
| Loan loss allowance to noncurrent loans | 172.0930% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 1.7368% | 1,249 |
| Noncurrent loans to loans | 1.1081% | 2,280 |
| Net loans and leases to total assets | 81.9094% | 588 |
| Net loans and leases to deposits | 97.1615% | 893 |
| Net loans and leases to core deposits | 108.3786% | 960 |
| Total domestic deposits to total assets | 84.3024% | 3,302 |
| Equity capital to assets | 9.9149% | 4,269 |
| Core capital (leverage) ratio | 9.8611% | 3,819 |
| Tier 1 risk-based capital ratio | 12.0349% | 5,061 |
| Total risk-based capital ratio | 13.2940% | 4,970 |
| Memoranda: | ||
| Average total assets | $464,730,750 | 1,455 |
| Average earning assets | $433,910,500 | 1,439 |
| Average equity | $46,264,000 | 1,607 |
| Average total loans | $394,119,000 | 1,171 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6025% | 1,274 |
| Cost of funding earning assets | 0.6142% | 1,318 |
| Net interest margin | 3.9884% | 1,671 |
| Noninterest income to average assets | 0.6037% | 2,714 |
| Noninterest expense to average assets | 2.8290% | 3,133 |
| Loan and lease loss provision to assets | 0.1308% | 1,690 |
| Net operating income to assets | 0.8580% | 3,093 |
| Return on assets (ROA) | 0.8588% | 3,191 |
| Pretax return on assets | 1.3669% | 2,122 |
| Return on Equity (ROE) | 8.6147% | 2,743 |
| Retained earnings to average equity (ytd only) | 8.6147% | 1,037 |
| Net charge-offs to loans | 0.3734% | 697 |
| Credit loss provision to net charge-offs | 41.0959% | 2,796 |
| Earnings coverage of net charge-offs (x) | 4.7000% | 3,009 |
| Efficiency ratio | 65.1407% | 4,168 |
| Assets per employee ($millions) | 4.1913% | 3,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9502% | 1,071 |
| Loan loss allowance to noncurrent loans | 185.4376% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 1.6627% | 1,438 |
| Noncurrent loans to loans | 1.0517% | 2,539 |
| Net loans and leases to total assets | 83.0582% | 467 |
| Net loans and leases to deposits | 98.7814% | 731 |
| Net loans and leases to core deposits | 110.3503% | 821 |
| Total domestic deposits to total assets | 84.0829% | 3,534 |
| Equity capital to assets | 9.9512% | 4,090 |
| Core capital (leverage) ratio | 9.8356% | 3,821 |
| Tier 1 risk-based capital ratio | 11.8631% | 5,239 |
| Total risk-based capital ratio | 13.1248% | 5,130 |
| Memoranda: | ||
| Average total assets | $458,540,330 | 1,481 |
| Average earning assets | $427,893,670 | 1,469 |
| Average equity | $45,712,330 | 1,629 |
| Average total loans | $390,970,000 | 1,180 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6081% | 1,199 |
| Cost of funding earning assets | 0.6031% | 1,413 |
| Net interest margin | 4.0050% | 1,537 |
| Noninterest income to average assets | 0.6074% | 2,608 |
| Noninterest expense to average assets | 2.9124% | 2,865 |
| Loan and lease loss provision to assets | 0.1324% | 1,559 |
| Net operating income to assets | 0.8208% | 3,153 |
| Return on assets (ROA) | 0.8219% | 3,275 |
| Pretax return on assets | 1.3048% | 2,264 |
| Return on Equity (ROE) | 8.2368% | 2,835 |
| Retained earnings to average equity (ytd only) | 8.2368% | 1,478 |
| Net charge-offs to loans | 0.5221% | 478 |
| Credit loss provision to net charge-offs | 29.6443% | 2,282 |
| Earnings coverage of net charge-offs (x) | 3.2134% | 2,637 |
| Efficiency ratio | 66.7208% | 4,026 |
| Assets per employee ($millions) | 4.0929% | 3,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0128% | 1,050 |
| Loan loss allowance to noncurrent loans | 124.5625% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 2.0637% | 1,135 |
| Noncurrent loans to loans | 1.6159% | 1,722 |
| Net loans and leases to total assets | 83.1539% | 366 |
| Net loans and leases to deposits | 96.6449% | 788 |
| Net loans and leases to core deposits | 107.8833% | 827 |
| Total domestic deposits to total assets | 86.0407% | 2,915 |
| Equity capital to assets | 9.9888% | 4,164 |
| Core capital (leverage) ratio | 9.8016% | 3,890 |
| Tier 1 risk-based capital ratio | 11.6944% | 5,438 |
| Total risk-based capital ratio | 12.9550% | 5,338 |
| Memoranda: | ||
| Average total assets | $453,100,500 | 1,506 |
| Average earning assets | $423,167,000 | 1,494 |
| Average equity | $45,212,000 | 1,646 |
| Average total loans | $387,631,500 | 1,190 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6509% | 1,418 |
| Cost of funding earning assets | 0.5510% | 2,197 |
| Net interest margin | 4.0998% | 1,580 |
| Noninterest income to average assets | 0.5112% | 3,417 |
| Noninterest expense to average assets | 3.0396% | 2,725 |
| Loan and lease loss provision to assets | 0.3243% | 606 |
| Net operating income to assets | 0.5961% | 4,387 |
| Return on assets (ROA) | 0.8434% | 3,248 |
| Pretax return on assets | 1.3201% | 2,176 |
| Return on Equity (ROE) | 8.5013% | 2,836 |
| Retained earnings to average equity (ytd only) | 8.5013% | 830 |
| Net charge-offs to loans | 0.4164% | 1,025 |
| Credit loss provision to net charge-offs | 92.6539% | 2,586 |
| Earnings coverage of net charge-offs (x) | 3.5943% | 3,848 |
| Efficiency ratio | 70.4522% | 3,466 |
| Assets per employee ($millions) | 4.0709% | 3,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1191% | 921 |
| Loan loss allowance to noncurrent loans | 133.8731% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 2.1968% | 1,109 |
| Noncurrent loans to loans | 1.5829% | 1,843 |
| Net loans and leases to total assets | 84.4282% | 313 |
| Net loans and leases to deposits | 99.7023% | 637 |
| Net loans and leases to core deposits | 108.5137% | 858 |
| Total domestic deposits to total assets | 84.6803% | 3,426 |
| Equity capital to assets | 9.9677% | 4,152 |
| Core capital (leverage) ratio | 9.5990% | 4,099 |
| Tier 1 risk-based capital ratio | 11.7276% | 5,530 |
| Total risk-based capital ratio | 12.9572% | 5,454 |
| Memoranda: | ||
| Average total assets | $431,706,200 | 1,543 |
| Average earning assets | $398,699,800 | 1,533 |
| Average equity | $42,828,600 | 1,682 |
| Average total loans | $362,842,800 | 1,223 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6276% | 1,497 |
| Cost of funding earning assets | 0.5511% | 2,277 |
| Net interest margin | 4.0766% | 1,648 |
| Noninterest income to average assets | 0.6014% | 2,861 |
| Noninterest expense to average assets | 3.0227% | 2,724 |
| Loan and lease loss provision to assets | 0.3897% | 441 |
| Net operating income to assets | 0.5841% | 4,516 |
| Return on assets (ROA) | 0.9169% | 2,936 |
| Pretax return on assets | 1.4612% | 1,772 |
| Return on Equity (ROE) | 9.2532% | 2,567 |
| Retained earnings to average equity (ytd only) | 9.2532% | 912 |
| Net charge-offs to loans | 0.4792% | 823 |
| Credit loss provision to net charge-offs | 97.4279% | 2,291 |
| Earnings coverage of net charge-offs (x) | 3.3274% | 3,682 |
| Efficiency ratio | 69.1515% | 3,652 |
| Assets per employee ($millions) | 3.9427% | 4,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2337% | 896 |
| Loan loss allowance to noncurrent loans | 106.5635% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 2.7263% | 915 |
| Noncurrent loans to loans | 2.0961% | 1,491 |
| Net loans and leases to total assets | 81.9100% | 519 |
| Net loans and leases to deposits | 95.6562% | 912 |
| Net loans and leases to core deposits | 104.3590% | 1,081 |
| Total domestic deposits to total assets | 85.6296% | 3,056 |
| Equity capital to assets | 9.9275% | 4,261 |
| Core capital (leverage) ratio | 9.3033% | 4,634 |
| Tier 1 risk-based capital ratio | 11.3709% | 5,848 |
| Total risk-based capital ratio | 12.6347% | 5,780 |
| Memoranda: | ||
| Average total assets | $427,683,500 | 1,564 |
| Average earning assets | $393,654,000 | 1,559 |
| Average equity | $42,377,000 | 1,705 |
| Average total loans | $356,990,500 | 1,246 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6394% | 1,427 |
| Cost of funding earning assets | 0.5518% | 2,335 |
| Net interest margin | 4.0876% | 1,551 |
| Noninterest income to average assets | 0.5895% | 2,868 |
| Noninterest expense to average assets | 3.0256% | 2,742 |
| Loan and lease loss provision to assets | 0.5200% | 283 |
| Net operating income to assets | 0.4954% | 4,830 |
| Return on assets (ROA) | 1.0022% | 2,384 |
| Pretax return on assets | 1.5970% | 1,256 |
| Return on Equity (ROE) | 10.1217% | 2,096 |
| Retained earnings to average equity (ytd only) | 10.1217% | 693 |
| Net charge-offs to loans | 0.7072% | 541 |
| Credit loss provision to net charge-offs | 88.2117% | 2,216 |
| Earnings coverage of net charge-offs (x) | 2.2478% | 3,590 |
| Efficiency ratio | 69.2709% | 3,783 |
| Assets per employee ($millions) | 3.7883% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2460% | 962 |
| Loan loss allowance to noncurrent loans | 130.2333% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 2.4636% | 1,158 |
| Noncurrent loans to loans | 1.7246% | 2,002 |
| Net loans and leases to total assets | 82.8630% | 387 |
| Net loans and leases to deposits | 97.7370% | 685 |
| Net loans and leases to core deposits | 103.4806% | 1,053 |
| Total domestic deposits to total assets | 84.7816% | 3,611 |
| Equity capital to assets | 10.0682% | 4,010 |
| Core capital (leverage) ratio | 9.2889% | 4,606 |
| Tier 1 risk-based capital ratio | 11.3248% | 5,892 |
| Total risk-based capital ratio | 12.5887% | 5,835 |
| Memoranda: | ||
| Average total assets | $423,050,670 | 1,577 |
| Average earning assets | $389,277,000 | 1,576 |
| Average equity | $41,890,000 | 1,713 |
| Average total loans | $352,666,000 | 1,247 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6071% | 1,486 |
| Cost of funding earning assets | 0.5553% | 2,382 |
| Net interest margin | 4.0518% | 1,592 |
| Noninterest income to average assets | 0.5250% | 3,229 |
| Noninterest expense to average assets | 2.9695% | 2,982 |
| Loan and lease loss provision to assets | 0.9036% | 127 |
| Net operating income to assets | 0.1997% | 5,801 |
| Return on assets (ROA) | 1.2194% | 1,483 |
| Pretax return on assets | 1.9651% | 573 |
| Return on Equity (ROE) | 12.4210% | 1,308 |
| Retained earnings to average equity (ytd only) | 12.4210% | 556 |
| Net charge-offs to loans | 1.2153% | 275 |
| Credit loss provision to net charge-offs | 89.9621% | 1,801 |
| Earnings coverage of net charge-offs (x) | 1.2699% | 3,132 |
| Efficiency ratio | 69.6617% | 3,886 |
| Assets per employee ($millions) | 3.7965% | 4,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3486% | 965 |
| Loan loss allowance to noncurrent loans | 127.0078% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 2.5437% | 1,244 |
| Noncurrent loans to loans | 1.8492% | 2,068 |
| Net loans and leases to total assets | 80.1047% | 540 |
| Net loans and leases to deposits | 93.3370% | 847 |
| Net loans and leases to core deposits | 99.0684% | 1,167 |
| Total domestic deposits to total assets | 85.8231% | 3,448 |
| Equity capital to assets | 9.8879% | 3,973 |
| Core capital (leverage) ratio | 9.2824% | 4,602 |
| Tier 1 risk-based capital ratio | 11.4659% | 5,933 |
| Total risk-based capital ratio | 12.7310% | 5,871 |
| Memoranda: | ||
| Average total assets | $420,536,000 | 1,596 |
| Average earning assets | $386,097,000 | 1,596 |
| Average equity | $41,285,000 | 1,731 |
| Average total loans | $347,564,000 | 1,263 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5636% | 1,986 |
| Cost of funding earning assets | 0.6717% | 2,026 |
| Net interest margin | 3.8918% | 2,316 |
| Noninterest income to average assets | 0.5461% | 3,429 |
| Noninterest expense to average assets | 3.0798% | 2,803 |
| Loan and lease loss provision to assets | 2.3056% | 35 |
| Net operating income to assets | -0.7707% | 6,560 |
| Return on assets (ROA) | -1.3020% | 6,649 |
| Pretax return on assets | -2.0866% | 6,716 |
| Return on Equity (ROE) | -14.2823% | 6,635 |
| Retained earnings to average equity (ytd only) | -14.2823% | 6,606 |
| Net charge-offs to loans | 2.4456% | 121 |
| Credit loss provision to net charge-offs | 118.9892% | 2,012 |
| Earnings coverage of net charge-offs (x) | 0.5415% | 4,899 |
| Efficiency ratio | 74.2417% | 3,096 |
| Assets per employee ($millions) | 3.7465% | 4,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3957% | 938 |
| Loan loss allowance to noncurrent loans | 123.9653% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 2.3702% | 1,464 |
| Noncurrent loans to loans | 1.9326% | 2,071 |
| Net loans and leases to total assets | 81.2831% | 470 |
| Net loans and leases to deposits | 95.5410% | 764 |
| Net loans and leases to core deposits | 98.4377% | 1,276 |
| Total domestic deposits to total assets | 85.0766% | 3,700 |
| Equity capital to assets | 9.7450% | 4,112 |
| Core capital (leverage) ratio | 8.3299% | 5,847 |
| Tier 1 risk-based capital ratio | 10.3709% | 6,411 |
| Total risk-based capital ratio | 11.6368% | 6,360 |
| Memoranda: | ||
| Average total assets | $424,798,000 | 1,559 |
| Average earning assets | $391,076,200 | 1,546 |
| Average equity | $38,726,200 | 1,798 |
| Average total loans | $336,568,200 | 1,265 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5192% | 2,158 |
| Cost of funding earning assets | 0.6985% | 1,962 |
| Net interest margin | 3.8207% | 2,570 |
| Noninterest income to average assets | 0.6245% | 3,015 |
| Noninterest expense to average assets | 2.9814% | 3,051 |
| Loan and lease loss provision to assets | 0.9770% | 172 |
| Net operating income to assets | 0.1345% | 6,067 |
| Return on assets (ROA) | 0.1396% | 6,127 |
| Pretax return on assets | 0.1911% | 6,055 |
| Return on Equity (ROE) | 1.5571% | 6,055 |
| Retained earnings to average equity (ytd only) | 1.5571% | 5,352 |
| Net charge-offs to loans | 1.2378% | 435 |
| Credit loss provision to net charge-offs | 100.8704% | 2,318 |
| Earnings coverage of net charge-offs (x) | 1.1989% | 4,443 |
| Efficiency ratio | 71.6084% | 3,481 |
| Assets per employee ($millions) | 3.9701% | 3,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9697% | 1,798 |
| Loan loss allowance to noncurrent loans | 67.9739% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 2.8477% | 1,306 |
| Noncurrent loans to loans | 2.8978% | 1,415 |
| Net loans and leases to total assets | 79.1989% | 629 |
| Net loans and leases to deposits | 91.3256% | 1,033 |
| Net loans and leases to core deposits | 94.1146% | 1,561 |
| Total domestic deposits to total assets | 86.7215% | 2,840 |
| Equity capital to assets | 8.9946% | 5,196 |
| Core capital (leverage) ratio | 8.9614% | 5,179 |
| Tier 1 risk-based capital ratio | 10.7837% | 6,367 |
| Total risk-based capital ratio | 12.0427% | 6,330 |
| Memoranda: | ||
| Average total assets | $427,031,250 | 1,557 |
| Average earning assets | $393,216,000 | 1,550 |
| Average equity | $38,276,250 | 1,829 |
| Average total loans | $334,129,000 | 1,277 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4670% | 2,323 |
| Cost of funding earning assets | 0.7207% | 1,918 |
| Net interest margin | 3.7463% | 2,776 |
| Noninterest income to average assets | 0.6041% | 3,163 |
| Noninterest expense to average assets | 2.8968% | 3,346 |
| Loan and lease loss provision to assets | 0.9720% | 195 |
| Net operating income to assets | 0.1407% | 6,040 |
| Return on assets (ROA) | 0.1407% | 6,148 |
| Pretax return on assets | 0.1912% | 6,097 |
| Return on Equity (ROE) | 1.5719% | 6,080 |
| Retained earnings to average equity (ytd only) | 1.5719% | 5,243 |
| Net charge-offs to loans | 1.0782% | 559 |
| Credit loss provision to net charge-offs | 116.4706% | 1,904 |
| Earnings coverage of net charge-offs (x) | 1.3938% | 4,074 |
| Efficiency ratio | 70.9811% | 3,647 |
| Assets per employee ($millions) | 3.9769% | 3,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0572% | 1,725 |
| Loan loss allowance to noncurrent loans | 59.5846% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 3.2129% | 1,232 |
| Noncurrent loans to loans | 3.4526% | 1,237 |
| Net loans and leases to total assets | 79.3727% | 596 |
| Net loans and leases to deposits | 91.5160% | 1,012 |
| Net loans and leases to core deposits | 94.2416% | 1,504 |
| Total domestic deposits to total assets | 86.7310% | 2,985 |
| Equity capital to assets | 9.0354% | 5,184 |
| Core capital (leverage) ratio | 8.9301% | 5,102 |
| Tier 1 risk-based capital ratio | 10.8772% | 6,386 |
| Total risk-based capital ratio | 12.1372% | 6,355 |
| Memoranda: | ||
| Average total assets | $427,775,000 | 1,558 |
| Average earning assets | $394,626,330 | 1,545 |
| Average equity | $38,298,670 | 1,830 |
| Average total loans | $331,106,330 | 1,285 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4318% | 2,418 |
| Cost of funding earning assets | 0.7460% | 1,878 |
| Net interest margin | 3.6858% | 2,913 |
| Noninterest income to average assets | 0.6062% | 3,100 |
| Noninterest expense to average assets | 2.7961% | 3,714 |
| Loan and lease loss provision to assets | 0.9552% | 191 |
| Net operating income to assets | 0.1884% | 5,926 |
| Return on assets (ROA) | 0.1884% | 6,040 |
| Pretax return on assets | 0.2534% | 5,948 |
| Return on Equity (ROE) | 2.1144% | 5,901 |
| Retained earnings to average equity (ytd only) | 2.1144% | 4,948 |
| Net charge-offs to loans | 1.2214% | 475 |
| Credit loss provision to net charge-offs | 103.4171% | 1,782 |
| Earnings coverage of net charge-offs (x) | 1.3085% | 3,396 |
| Efficiency ratio | 69.4483% | 4,065 |
| Assets per employee ($millions) | 3.9962% | 3,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0775% | 1,852 |
| Loan loss allowance to noncurrent loans | 57.5657% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 3.1511% | 1,392 |
| Noncurrent loans to loans | 3.6089% | 1,318 |
| Net loans and leases to total assets | 73.9155% | 1,093 |
| Net loans and leases to deposits | 86.2785% | 1,321 |
| Net loans and leases to core deposits | 88.7558% | 1,831 |
| Total domestic deposits to total assets | 85.6708% | 3,698 |
| Equity capital to assets | 8.9123% | 5,600 |
| Core capital (leverage) ratio | 8.8493% | 5,119 |
| Tier 1 risk-based capital ratio | 11.2519% | 6,287 |
| Total risk-based capital ratio | 12.5121% | 6,263 |
| Memoranda: | ||
| Average total assets | $430,885,500 | 1,565 |
| Average earning assets | $397,309,000 | 1,541 |
| Average equity | $38,403,500 | 1,851 |
| Average total loans | $325,846,000 | 1,307 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6949% | 2,619 |
| Cost of funding earning assets | 0.9697% | 1,530 |
| Net interest margin | 3.7253% | 3,541 |
| Noninterest income to average assets | 0.5671% | 3,463 |
| Noninterest expense to average assets | 2.7634% | 4,172 |
| Loan and lease loss provision to assets | 0.9880% | 428 |
| Net operating income to assets | 0.2264% | 5,713 |
| Return on assets (ROA) | 0.2105% | 5,939 |
| Pretax return on assets | 0.2576% | 5,903 |
| Return on Equity (ROE) | 2.4005% | 5,792 |
| Retained earnings to average equity (ytd only) | 2.4005% | 4,544 |
| Net charge-offs to loans | 1.4451% | 631 |
| Credit loss provision to net charge-offs | 88.5691% | 3,531 |
| Earnings coverage of net charge-offs (x) | 1.1340% | 4,893 |
| Efficiency ratio | 68.2303% | 4,100 |
| Assets per employee ($millions) | 4.0969% | 3,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0662% | 1,841 |
| Loan loss allowance to noncurrent loans | 52.7082% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 3.4032% | 1,345 |
| Noncurrent loans to loans | 3.9201% | 1,218 |
| Net loans and leases to total assets | 74.1963% | 1,168 |
| Net loans and leases to deposits | 86.5287% | 1,440 |
| Net loans and leases to core deposits | 89.4491% | 1,901 |
| Total domestic deposits to total assets | 85.7475% | 3,488 |
| Equity capital to assets | 8.9131% | 5,615 |
| Core capital (leverage) ratio | 8.6896% | 5,341 |
| Tier 1 risk-based capital ratio | 11.2232% | 6,262 |
| Total risk-based capital ratio | 12.4734% | 6,224 |
| Memoranda: | ||
| Average total assets | $432,877,800 | 1,523 |
| Average earning assets | $402,201,000 | 1,495 |
| Average equity | $37,951,000 | 1,829 |
| Average total loans | $334,159,800 | 1,261 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7215% | 2,706 |
| Cost of funding earning assets | 0.9979% | 1,572 |
| Net interest margin | 3.7235% | 3,685 |
| Noninterest income to average assets | 0.5462% | 3,633 |
| Noninterest expense to average assets | 2.7155% | 4,306 |
| Loan and lease loss provision to assets | 0.9687% | 432 |
| Net operating income to assets | 0.2428% | 5,800 |
| Return on assets (ROA) | 0.2134% | 6,056 |
| Pretax return on assets | 0.2928% | 5,971 |
| Return on Equity (ROE) | 2.4445% | 5,902 |
| Retained earnings to average equity (ytd only) | 2.4445% | 5,110 |
| Net charge-offs to loans | 1.5196% | 562 |
| Credit loss provision to net charge-offs | 82.2025% | 3,549 |
| Earnings coverage of net charge-offs (x) | 1.1046% | 4,745 |
| Efficiency ratio | 67.2280% | 4,224 |
| Assets per employee ($millions) | 4.2370% | 3,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0255% | 2,097 |
| Loan loss allowance to noncurrent loans | 45.8039% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 3.7512% | 1,319 |
| Noncurrent loans to loans | 4.4221% | 1,075 |
| Net loans and leases to total assets | 73.9143% | 1,257 |
| Net loans and leases to deposits | 86.2005% | 1,581 |
| Net loans and leases to core deposits | 88.9624% | 2,107 |
| Total domestic deposits to total assets | 85.7470% | 3,389 |
| Equity capital to assets | 8.8575% | 5,969 |
| Core capital (leverage) ratio | 8.7754% | 5,378 |
| Tier 1 risk-based capital ratio | 11.3103% | 6,349 |
| Total risk-based capital ratio | 12.5698% | 6,308 |
| Memoranda: | ||
| Average total assets | $433,552,750 | 1,536 |
| Average earning assets | $404,157,500 | 1,511 |
| Average equity | $37,853,250 | 1,855 |
| Average total loans | $336,222,250 | 1,265 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7800% | 2,583 |
| Cost of funding earning assets | 1.0183% | 1,658 |
| Net interest margin | 3.7617% | 3,529 |
| Noninterest income to average assets | 0.5037% | 3,900 |
| Noninterest expense to average assets | 2.6773% | 4,507 |
| Loan and lease loss provision to assets | 0.9677% | 462 |
| Net operating income to assets | 0.2630% | 5,726 |
| Return on assets (ROA) | 0.2189% | 6,047 |
| Pretax return on assets | 0.3000% | 5,965 |
| Return on Equity (ROE) | 2.5192% | 5,873 |
| Retained earnings to average equity (ytd only) | 2.5192% | 4,928 |
| Net charge-offs to loans | 1.7938% | 494 |
| Credit loss provision to net charge-offs | 68.9429% | 3,591 |
| Earnings coverage of net charge-offs (x) | 0.9462% | 4,560 |
| Efficiency ratio | 66.4749% | 4,439 |
| Assets per employee ($millions) | 4.2422% | 3,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8829% | 2,607 |
| Loan loss allowance to noncurrent loans | 49.4578% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 3.4331% | 1,558 |
| Noncurrent loans to loans | 3.8071% | 1,474 |
| Net loans and leases to total assets | 77.8668% | 740 |
| Net loans and leases to deposits | 90.8872% | 1,058 |
| Net loans and leases to core deposits | 93.7164% | 1,631 |
| Total domestic deposits to total assets | 85.6741% | 3,523 |
| Equity capital to assets | 8.9588% | 5,744 |
| Core capital (leverage) ratio | 8.7708% | 5,268 |
| Tier 1 risk-based capital ratio | 11.0091% | 6,491 |
| Total risk-based capital ratio | 12.2570% | 6,471 |
| Memoranda: | ||
| Average total assets | $434,011,670 | 1,530 |
| Average earning assets | $404,018,670 | 1,510 |
| Average equity | $37,711,000 | 1,855 |
| Average total loans | $339,615,000 | 1,255 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7826% | 2,700 |
| Cost of funding earning assets | 1.0397% | 1,750 |
| Net interest margin | 3.7430% | 3,622 |
| Noninterest income to average assets | 0.3855% | 4,782 |
| Noninterest expense to average assets | 2.5299% | 5,060 |
| Loan and lease loss provision to assets | 0.9569% | 442 |
| Net operating income to assets | 0.2784% | 5,727 |
| Return on assets (ROA) | 0.2515% | 5,964 |
| Pretax return on assets | 0.3490% | 5,857 |
| Return on Equity (ROE) | 2.9390% | 5,737 |
| Retained earnings to average equity (ytd only) | 2.9390% | 4,783 |
| Net charge-offs to loans | 1.4565% | 688 |
| Credit loss provision to net charge-offs | 84.5411% | 2,650 |
| Earnings coverage of net charge-offs (x) | 1.1868% | 3,743 |
| Efficiency ratio | 64.9412% | 4,748 |
| Assets per employee ($millions) | 4.2011% | 3,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1018% | 2,100 |
| Loan loss allowance to noncurrent loans | 49.7197% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 3.6898% | 1,534 |
| Noncurrent loans to loans | 4.2272% | 1,423 |
| Net loans and leases to total assets | 75.6399% | 846 |
| Net loans and leases to deposits | 87.6500% | 1,213 |
| Net loans and leases to core deposits | 90.4904% | 1,802 |
| Total domestic deposits to total assets | 86.2977% | 3,363 |
| Equity capital to assets | 8.6251% | 5,959 |
| Core capital (leverage) ratio | 8.6565% | 5,366 |
| Tier 1 risk-based capital ratio | 10.8925% | 6,582 |
| Total risk-based capital ratio | 12.1429% | 6,572 |
| Memoranda: | ||
| Average total assets | $438,908,500 | 1,521 |
| Average earning assets | $408,978,500 | 1,486 |
| Average equity | $37,564,000 | 1,856 |
| Average total loans | $341,090,500 | 1,237 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0572% | 2,622 |
| Cost of funding earning assets | 1.1842% | 2,138 |
| Net interest margin | 3.8730% | 3,456 |
| Noninterest income to average assets | 0.4804% | 3,991 |
| Noninterest expense to average assets | 2.6834% | 4,809 |
| Loan and lease loss provision to assets | 2.5391% | 173 |
| Net operating income to assets | -0.6691% | 6,591 |
| Return on assets (ROA) | -0.7047% | 6,643 |
| Pretax return on assets | -1.1936% | 6,811 |
| Return on Equity (ROE) | -7.7410% | 6,664 |
| Retained earnings to average equity (ytd only) | -8.7375% | 6,660 |
| Net charge-offs to loans | 2.6508% | 417 |
| Credit loss provision to net charge-offs | 118.6624% | 2,700 |
| Earnings coverage of net charge-offs (x) | 0.6548% | 5,331 |
| Efficiency ratio | 65.3348% | 4,898 |
| Assets per employee ($millions) | 4.2806% | 3,299 |
| Cash dividends to net income (ytd only)* | -12.8726% | 7,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1146% | 1,962 |
| Loan loss allowance to noncurrent loans | 44.2280% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 4.3878% | 1,260 |
| Noncurrent loans to loans | 4.7811% | 1,210 |
| Net loans and leases to total assets | 76.5061% | 884 |
| Net loans and leases to deposits | 88.5747% | 1,310 |
| Net loans and leases to core deposits | 91.6623% | 1,926 |
| Total domestic deposits to total assets | 86.3746% | 3,097 |
| Equity capital to assets | 8.4925% | 6,153 |
| Core capital (leverage) ratio | 8.5559% | 5,471 |
| Tier 1 risk-based capital ratio | 10.6143% | 6,639 |
| Total risk-based capital ratio | 11.8649% | 6,614 |
| Memoranda: | ||
| Average total assets | $433,219,600 | 1,507 |
| Average earning assets | $403,150,400 | 1,478 |
| Average equity | $39,439,400 | 1,714 |
| Average total loans | $349,705,800 | 1,210 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1337% | 2,457 |
| Cost of funding earning assets | 1.2095% | 2,262 |
| Net interest margin | 3.9242% | 3,250 |
| Noninterest income to average assets | 0.6903% | 2,663 |
| Noninterest expense to average assets | 2.6283% | 4,980 |
| Loan and lease loss provision to assets | 2.0094% | 272 |
| Net operating income to assets | -0.1537% | 6,336 |
| Return on assets (ROA) | -0.1895% | 6,456 |
| Pretax return on assets | -0.3533% | 6,534 |
| Return on Equity (ROE) | -2.0464% | 6,480 |
| Retained earnings to average equity (ytd only) | -3.3584% | 6,456 |
| Net charge-offs to loans | 2.2899% | 517 |
| Credit loss provision to net charge-offs | 107.8301% | 3,064 |
| Earnings coverage of net charge-offs (x) | 0.9187% | 4,934 |
| Efficiency ratio | 60.2137% | 5,684 |
| Assets per employee ($millions) | 4.1872% | 3,472 |
| Cash dividends to net income (ytd only)* | -64.1115% | 7,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7159% | 3,217 |
| Loan loss allowance to noncurrent loans | 20.2915% | 6,670 |
| Noncurrent assets plus other real estate owned to assets | 7.6314% | 611 |
| Noncurrent loans to loans | 8.4564% | 500 |
| Net loans and leases to total assets | 80.0697% | 508 |
| Net loans and leases to deposits | 93.6419% | 867 |
| Net loans and leases to core deposits | 97.0887% | 1,500 |
| Total domestic deposits to total assets | 85.5063% | 3,490 |
| Equity capital to assets | 9.1689% | 5,560 |
| Core capital (leverage) ratio | 9.3711% | 4,348 |
| Tier 1 risk-based capital ratio | 11.3664% | 6,322 |
| Total risk-based capital ratio | 12.6124% | 6,316 |
| Memoranda: | ||
| Average total assets | $431,298,250 | 1,523 |
| Average earning assets | $401,158,250 | 1,502 |
| Average equity | $39,938,250 | 1,685 |
| Average total loans | $350,980,750 | 1,222 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1399% | 2,514 |
| Cost of funding earning assets | 1.2305% | 2,379 |
| Net interest margin | 3.9095% | 3,265 |
| Noninterest income to average assets | 0.7141% | 2,466 |
| Noninterest expense to average assets | 2.6130% | 5,139 |
| Loan and lease loss provision to assets | 1.3911% | 524 |
| Net operating income to assets | 0.2495% | 5,564 |
| Return on assets (ROA) | 0.2031% | 5,845 |
| Pretax return on assets | 0.2782% | 5,717 |
| Return on Equity (ROE) | 2.1862% | 5,727 |
| Retained earnings to average equity (ytd only) | 0.8385% | 5,532 |
| Net charge-offs to loans | 1.8697% | 729 |
| Credit loss provision to net charge-offs | 91.4634% | 3,417 |
| Earnings coverage of net charge-offs (x) | 1.1393% | 4,423 |
| Efficiency ratio | 59.7845% | 5,907 |
| Assets per employee ($millions) | 4.0450% | 3,667 |
| Cash dividends to net income (ytd only)* | 61.6438% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 4,094 |
| Loan loss allowance to noncurrent loans | 44.2627% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 3.5403% | 1,853 |
| Noncurrent loans to loans | 3.4076% | 2,083 |
| Net loans and leases to total assets | 80.3651% | 500 |
| Net loans and leases to deposits | 94.3569% | 847 |
| Net loans and leases to core deposits | 98.0494% | 1,500 |
| Total domestic deposits to total assets | 85.1714% | 3,802 |
| Equity capital to assets | 9.4127% | 4,952 |
| Core capital (leverage) ratio | 9.8567% | 3,443 |
| Tier 1 risk-based capital ratio | 11.8570% | 5,893 |
| Total risk-based capital ratio | 13.1005% | 5,876 |
| Memoranda: | ||
| Average total assets | $431,303,330 | 1,532 |
| Average earning assets | $400,665,670 | 1,513 |
| Average equity | $40,069,670 | 1,672 |
| Average total loans | $350,855,670 | 1,232 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0927% | 2,675 |
| Cost of funding earning assets | 1.2560% | 2,462 |
| Net interest margin | 3.8367% | 3,433 |
| Noninterest income to average assets | 0.7157% | 2,482 |
| Noninterest expense to average assets | 2.5531% | 5,376 |
| Loan and lease loss provision to assets | 1.3871% | 478 |
| Net operating income to assets | 0.2765% | 5,518 |
| Return on assets (ROA) | 0.1618% | 5,961 |
| Pretax return on assets | 0.2025% | 5,936 |
| Return on Equity (ROE) | 1.7533% | 5,884 |
| Retained earnings to average equity (ytd only) | 0.2705% | 5,699 |
| Net charge-offs to loans | 1.7475% | 753 |
| Credit loss provision to net charge-offs | 97.7199% | 2,795 |
| Earnings coverage of net charge-offs (x) | 1.2208% | 3,750 |
| Efficiency ratio | 59.2233% | 6,095 |
| Assets per employee ($millions) | 4.2150% | 3,435 |
| Cash dividends to net income (ytd only)* | 84.5714% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5771% | 3,832 |
| Loan loss allowance to noncurrent loans | 40.8070% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 3.6644% | 1,851 |
| Noncurrent loans to loans | 3.8647% | 1,902 |
| Net loans and leases to total assets | 80.1593% | 499 |
| Net loans and leases to deposits | 93.8818% | 843 |
| Net loans and leases to core deposits | 98.5775% | 1,469 |
| Total domestic deposits to total assets | 85.3833% | 3,843 |
| Equity capital to assets | 9.2853% | 4,754 |
| Core capital (leverage) ratio | 9.8274% | 3,359 |
| Tier 1 risk-based capital ratio | 11.8219% | 5,840 |
| Total risk-based capital ratio | 13.0663% | 5,843 |
| Memoranda: | ||
| Average total assets | $432,568,500 | 1,537 |
| Average earning assets | $402,534,500 | 1,514 |
| Average equity | $39,925,000 | 1,672 |
| Average total loans | $351,353,000 | 1,246 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1789% | 3,706 |
| Cost of funding earning assets | 1.4841% | 2,739 |
| Net interest margin | 3.6949% | 4,371 |
| Noninterest income to average assets | 0.6681% | 3,031 |
| Noninterest expense to average assets | 2.5284% | 5,691 |
| Loan and lease loss provision to assets | 1.2590% | 1,235 |
| Net operating income to assets | 0.2826% | 4,991 |
| Return on assets (ROA) | 0.1679% | 5,539 |
| Pretax return on assets | 0.1832% | 5,524 |
| Return on Equity (ROE) | 1.8004% | 5,470 |
| Retained earnings to average equity (ytd only) | -0.0692% | 5,608 |
| Net charge-offs to loans | 1.4093% | 1,581 |
| Credit loss provision to net charge-offs | 110.8070% | 3,971 |
| Earnings coverage of net charge-offs (x) | 1.3790% | 4,729 |
| Efficiency ratio | 61.3805% | 5,836 |
| Assets per employee ($millions) | 4.2668% | 3,268 |
| Cash dividends to net income (ytd only)* | 103.8409% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5762% | 3,677 |
| Loan loss allowance to noncurrent loans | 36.2847% | 5,894 |
| Noncurrent assets plus other real estate owned to assets | 3.9937% | 1,704 |
| Noncurrent loans to loans | 4.3440% | 1,660 |
| Net loans and leases to total assets | 79.7317% | 693 |
| Net loans and leases to deposits | 94.3858% | 1,022 |
| Net loans and leases to core deposits | 99.9378% | 1,621 |
| Total domestic deposits to total assets | 84.4742% | 4,130 |
| Equity capital to assets | 9.1748% | 4,880 |
| Core capital (leverage) ratio | 9.5663% | 3,611 |
| Tier 1 risk-based capital ratio | 11.6398% | 5,784 |
| Total risk-based capital ratio | 12.8840% | 5,790 |
| Memoranda: | ||
| Average total assets | $434,061,800 | 1,540 |
| Average earning assets | $402,611,400 | 1,511 |
| Average equity | $40,490,600 | 1,638 |
| Average total loans | $349,955,600 | 1,282 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1802% | 3,935 |
| Cost of funding earning assets | 1.5115% | 2,902 |
| Net interest margin | 3.6687% | 4,550 |
| Noninterest income to average assets | 0.6679% | 3,023 |
| Noninterest expense to average assets | 2.5168% | 5,652 |
| Loan and lease loss provision to assets | 1.3063% | 1,062 |
| Net operating income to assets | 0.2123% | 5,477 |
| Return on assets (ROA) | 0.1521% | 5,791 |
| Pretax return on assets | 0.1740% | 5,783 |
| Return on Equity (ROE) | 1.6243% | 5,725 |
| Retained earnings to average equity (ytd only) | -0.2953% | 5,858 |
| Net charge-offs to loans | 1.6005% | 1,231 |
| Credit loss provision to net charge-offs | 101.3594% | 4,254 |
| Earnings coverage of net charge-offs (x) | 1.2022% | 4,862 |
| Efficiency ratio | 61.5239% | 5,695 |
| Assets per employee ($millions) | 4.1908% | 3,462 |
| Cash dividends to net income (ytd only)* | 118.1824% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4468% | 4,222 |
| Loan loss allowance to noncurrent loans | 34.6923% | 6,012 |
| Noncurrent assets plus other real estate owned to assets | 3.7743% | 1,887 |
| Noncurrent loans to loans | 4.1704% | 1,761 |
| Net loans and leases to total assets | 78.6400% | 937 |
| Net loans and leases to deposits | 93.2175% | 1,298 |
| Net loans and leases to core deposits | 100.4800% | 1,807 |
| Total domestic deposits to total assets | 84.3618% | 3,929 |
| Equity capital to assets | 9.2364% | 5,249 |
| Core capital (leverage) ratio | 9.5497% | 3,830 |
| Tier 1 risk-based capital ratio | 11.5548% | 5,876 |
| Total risk-based capital ratio | 12.7973% | 5,873 |
| Memoranda: | ||
| Average total assets | $433,774,250 | 1,561 |
| Average earning assets | $401,803,750 | 1,534 |
| Average equity | $40,630,750 | 1,638 |
| Average total loans | $349,304,750 | 1,297 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2294% | 3,806 |
| Cost of funding earning assets | 1.5362% | 3,030 |
| Net interest margin | 3.6932% | 4,397 |
| Noninterest income to average assets | 0.7223% | 2,565 |
| Noninterest expense to average assets | 2.4819% | 5,786 |
| Loan and lease loss provision to assets | 1.4131% | 944 |
| Net operating income to assets | 0.2040% | 5,547 |
| Return on assets (ROA) | 0.1728% | 5,781 |
| Pretax return on assets | 0.2071% | 5,756 |
| Return on Equity (ROE) | 1.8362% | 5,682 |
| Retained earnings to average equity (ytd only) | -0.1969% | 5,771 |
| Net charge-offs to loans | 1.5664% | 1,212 |
| Credit loss provision to net charge-offs | 111.6807% | 3,631 |
| Earnings coverage of net charge-offs (x) | 1.3101% | 4,519 |
| Efficiency ratio | 59.5859% | 6,122 |
| Assets per employee ($millions) | 4.3104% | 3,190 |
| Cash dividends to net income (ytd only)* | 110.7239% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5299% | 3,772 |
| Loan loss allowance to noncurrent loans | 36.1117% | 5,953 |
| Noncurrent assets plus other real estate owned to assets | 3.7854% | 1,844 |
| Noncurrent loans to loans | 4.2365% | 1,758 |
| Net loans and leases to total assets | 78.9794% | 961 |
| Net loans and leases to deposits | 95.0183% | 1,145 |
| Net loans and leases to core deposits | 102.4071% | 1,788 |
| Total domestic deposits to total assets | 83.1202% | 4,517 |
| Equity capital to assets | 9.3604% | 4,914 |
| Core capital (leverage) ratio | 9.7471% | 3,477 |
| Tier 1 risk-based capital ratio | 11.6029% | 5,672 |
| Total risk-based capital ratio | 12.8465% | 5,637 |
| Memoranda: | ||
| Average total assets | $431,688,330 | 1,584 |
| Average earning assets | $399,435,330 | 1,555 |
| Average equity | $40,626,670 | 1,631 |
| Average total loans | $348,699,330 | 1,320 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2637% | 3,714 |
| Cost of funding earning assets | 1.5570% | 3,223 |
| Net interest margin | 3.7067% | 4,206 |
| Noninterest income to average assets | 0.6970% | 2,621 |
| Noninterest expense to average assets | 2.4650% | 5,856 |
| Loan and lease loss provision to assets | 1.5354% | 759 |
| Net operating income to assets | 0.0950% | 6,036 |
| Return on assets (ROA) | 0.1452% | 6,002 |
| Pretax return on assets | 0.1898% | 5,901 |
| Return on Equity (ROE) | 1.5383% | 5,945 |
| Retained earnings to average equity (ytd only) | -0.3747% | 5,917 |
| Net charge-offs to loans | 1.8711% | 924 |
| Credit loss provision to net charge-offs | 101.2270% | 3,356 |
| Earnings coverage of net charge-offs (x) | 1.0939% | 4,111 |
| Efficiency ratio | 59.4088% | 6,275 |
| Assets per employee ($millions) | 4.2201% | 3,427 |
| Cash dividends to net income (ytd only)* | 124.3590% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4407% | 4,206 |
| Loan loss allowance to noncurrent loans | 38.7612% | 5,772 |
| Noncurrent assets plus other real estate owned to assets | 3.3867% | 2,095 |
| Noncurrent loans to loans | 3.7168% | 2,141 |
| Net loans and leases to total assets | 80.1650% | 824 |
| Net loans and leases to deposits | 96.4362% | 1,058 |
| Net loans and leases to core deposits | 104.3579% | 1,707 |
| Total domestic deposits to total assets | 83.1275% | 4,559 |
| Equity capital to assets | 9.4459% | 4,619 |
| Core capital (leverage) ratio | 9.9330% | 3,247 |
| Tier 1 risk-based capital ratio | 11.5334% | 5,642 |
| Total risk-based capital ratio | 12.7760% | 5,626 |
| Memoranda: | ||
| Average total assets | $429,855,500 | 1,622 |
| Average earning assets | $397,441,000 | 1,600 |
| Average equity | $40,564,500 | 1,647 |
| Average total loans | $348,458,000 | 1,361 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6730% | 3,239 |
| Cost of funding earning assets | 2.0765% | 2,593 |
| Net interest margin | 3.5965% | 4,563 |
| Noninterest income to average assets | 0.8443% | 2,205 |
| Noninterest expense to average assets | 2.6870% | 5,444 |
| Loan and lease loss provision to assets | 0.7654% | 2,814 |
| Net operating income to assets | 0.7430% | 2,755 |
| Return on assets (ROA) | 0.1220% | 5,196 |
| Pretax return on assets | 0.0991% | 5,225 |
| Return on Equity (ROE) | 1.5025% | 5,091 |
| Retained earnings to average equity (ytd only) | -0.3036% | 5,023 |
| Net charge-offs to loans | 0.8148% | 2,790 |
| Credit loss provision to net charge-offs | 113.5105% | 4,832 |
| Earnings coverage of net charge-offs (x) | 2.2030% | 4,072 |
| Efficiency ratio | 64.0160% | 5,776 |
| Assets per employee ($millions) | 4.1676% | 3,497 |
| Cash dividends to net income (ytd only)* | 120.2041% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4484% | 3,985 |
| Loan loss allowance to noncurrent loans | 62.4053% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 2.0875% | 3,289 |
| Noncurrent loans to loans | 2.3209% | 3,266 |
| Net loans and leases to total assets | 79.6203% | 1,063 |
| Net loans and leases to deposits | 95.7482% | 1,361 |
| Net loans and leases to core deposits | 121.1571% | 1,865 |
| Total domestic deposits to total assets | 83.1559% | 4,451 |
| Equity capital to assets | 9.4276% | 4,516 |
| Core capital (leverage) ratio | 9.9601% | 3,132 |
| Tier 1 risk-based capital ratio | 11.5958% | 5,298 |
| Total risk-based capital ratio | 12.8478% | 5,256 |
| Memoranda: | ||
| Average total assets | $401,752,200 | 1,712 |
| Average earning assets | $371,780,200 | 1,692 |
| Average equity | $32,612,200 | 2,050 |
| Average total loans | $332,460,800 | 1,452 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7195% | 3,242 |
| Cost of funding earning assets | 2.2061% | 2,387 |
| Net interest margin | 3.5133% | 4,813 |
| Noninterest income to average assets | 0.8799% | 2,059 |
| Noninterest expense to average assets | 2.6951% | 5,350 |
| Loan and lease loss provision to assets | 0.5065% | 3,361 |
| Net operating income to assets | 0.9505% | 2,233 |
| Return on assets (ROA) | 0.1064% | 5,498 |
| Pretax return on assets | 0.0858% | 5,553 |
| Return on Equity (ROE) | 1.3704% | 5,380 |
| Retained earnings to average equity (ytd only) | -0.7700% | 5,426 |
| Net charge-offs to loans | 0.4678% | 3,349 |
| Credit loss provision to net charge-offs | 129.9827% | 3,856 |
| Earnings coverage of net charge-offs (x) | 3.6863% | 3,422 |
| Efficiency ratio | 64.8415% | 5,580 |
| Assets per employee ($millions) | 4.2027% | 3,377 |
| Cash dividends to net income (ytd only)* | 156.1894% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4790% | 3,557 |
| Loan loss allowance to noncurrent loans | 64.2683% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 2.0668% | 3,256 |
| Noncurrent loans to loans | 2.3012% | 3,265 |
| Net loans and leases to total assets | 79.2842% | 1,326 |
| Net loans and leases to deposits | 93.5105% | 1,963 |
| Net loans and leases to core deposits | 117.0022% | 2,523 |
| Total domestic deposits to total assets | 84.7864% | 3,330 |
| Equity capital to assets | 7.5071% | 7,290 |
| Core capital (leverage) ratio | 7.8239% | 6,586 |
| Tier 1 risk-based capital ratio | 9.2394% | 7,518 |
| Total risk-based capital ratio | 10.4819% | 7,517 |
| Memoranda: | ||
| Average total assets | $394,875,250 | 1,754 |
| Average earning assets | $365,456,500 | 1,738 |
| Average equity | $30,648,000 | 2,210 |
| Average total loans | $328,875,750 | 1,482 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8196% | 2,957 |
| Cost of funding earning assets | 2.2558% | 2,545 |
| Net interest margin | 3.5638% | 4,522 |
| Noninterest income to average assets | 0.8048% | 2,387 |
| Noninterest expense to average assets | 2.7520% | 5,172 |
| Loan and lease loss provision to assets | 0.4658% | 3,193 |
| Net operating income to assets | 0.5938% | 3,700 |
| Return on assets (ROA) | 0.5942% | 3,806 |
| Pretax return on assets | 0.8902% | 3,378 |
| Return on Equity (ROE) | 7.5657% | 2,941 |
| Retained earnings to average equity (ytd only) | 6.2477% | 1,909 |
| Net charge-offs to loans | 0.4598% | 2,987 |
| Credit loss provision to net charge-offs | 120.1602% | 3,865 |
| Earnings coverage of net charge-offs (x) | 3.4967% | 3,419 |
| Efficiency ratio | 66.5953% | 5,438 |
| Assets per employee ($millions) | 3.7718% | 4,173 |
| Cash dividends to net income (ytd only)* | 17.4216% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4421% | 3,511 |
| Loan loss allowance to noncurrent loans | 77.0143% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.7286% | 3,593 |
| Noncurrent loans to loans | 1.8726% | 3,697 |
| Net loans and leases to total assets | 83.7643% | 671 |
| Net loans and leases to deposits | 99.7226% | 1,315 |
| Net loans and leases to core deposits | 119.4925% | 2,413 |
| Total domestic deposits to total assets | 83.9973% | 3,775 |
| Equity capital to assets | 7.8685% | 6,891 |
| Core capital (leverage) ratio | 8.8466% | 4,868 |
| Tier 1 risk-based capital ratio | 9.0387% | 7,680 |
| Total risk-based capital ratio | 10.3027% | 7,681 |
| Memoranda: | ||
| Average total assets | $386,411,000 | 1,812 |
| Average earning assets | $358,100,000 | 1,786 |
| Average equity | $30,347,330 | 2,243 |
| Average total loans | $325,765,000 | 1,528 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8484% | 3,040 |
| Cost of funding earning assets | 2.3191% | 2,622 |
| Net interest margin | 3.5293% | 4,617 |
| Noninterest income to average assets | 0.7656% | 2,500 |
| Noninterest expense to average assets | 2.6588% | 5,190 |
| Loan and lease loss provision to assets | 0.3912% | 2,981 |
| Net operating income to assets | 0.6551% | 3,776 |
| Return on assets (ROA) | 0.6551% | 3,957 |
| Pretax return on assets | 0.9920% | 3,380 |
| Return on Equity (ROE) | 8.3488% | 2,987 |
| Retained earnings to average equity (ytd only) | 8.3488% | 1,682 |
| Net charge-offs to loans | 0.0435% | 4,869 |
| Credit loss provision to net charge-offs | 1,071.4286% | 580 |
| Earnings coverage of net charge-offs (x) | 37.8857% | 887 |
| Efficiency ratio | 65.3677% | 5,438 |
| Assets per employee ($millions) | 3.8022% | 4,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5417% | 2,758 |
| Loan loss allowance to noncurrent loans | 75.1316% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.8627% | 3,124 |
| Noncurrent loans to loans | 2.0520% | 3,194 |
| Net loans and leases to total assets | 83.1031% | 833 |
| Net loans and leases to deposits | 99.3797% | 1,492 |
| Net loans and leases to core deposits | 119.1178% | 2,496 |
| Total domestic deposits to total assets | 83.6219% | 3,868 |
| Equity capital to assets | 8.0116% | 6,789 |
| Core capital (leverage) ratio | 8.8213% | 4,944 |
| Tier 1 risk-based capital ratio | 9.1651% | 7,697 |
| Total risk-based capital ratio | 10.4237% | 7,684 |
| Memoranda: | ||
| Average total assets | $383,480,500 | 1,830 |
| Average earning assets | $355,993,000 | 1,804 |
| Average equity | $30,088,000 | 2,268 |
| Average total loans | $321,951,500 | 1,560 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4540% | 3,174 |
| Cost of funding earning assets | 2.6219% | 3,571 |
| Net interest margin | 3.8321% | 3,882 |
| Noninterest income to average assets | 0.8652% | 2,135 |
| Noninterest expense to average assets | 2.6912% | 5,306 |
| Loan and lease loss provision to assets | 0.4019% | 3,272 |
| Net operating income to assets | 0.8933% | 3,032 |
| Return on assets (ROA) | 0.7977% | 3,283 |
| Pretax return on assets | 1.1884% | 2,684 |
| Return on Equity (ROE) | 9.3930% | 2,477 |
| Retained earnings to average equity (ytd only) | 5.6628% | 1,686 |
| Net charge-offs to loans | 0.0996% | 5,322 |
| Credit loss provision to net charge-offs | 496.5517% | 882 |
| Earnings coverage of net charge-offs (x) | 21.4103% | 1,529 |
| Efficiency ratio | 60.7280% | 6,216 |
| Assets per employee ($millions) | 3.8294% | 3,905 |
| Cash dividends to net income (ytd only)* | 39.7131% | 3,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 2,888 |
| Loan loss allowance to noncurrent loans | 74.7272% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 1.7188% | 2,831 |
| Noncurrent loans to loans | 1.9489% | 2,832 |
| Net loans and leases to total assets | 82.2885% | 1,176 |
| Net loans and leases to deposits | 98.1789% | 2,097 |
| Net loans and leases to core deposits | 117.0429% | 3,002 |
| Total domestic deposits to total assets | 83.8148% | 3,421 |
| Equity capital to assets | 7.6800% | 7,225 |
| Core capital (leverage) ratio | 8.7910% | 5,051 |
| Tier 1 risk-based capital ratio | 9.9511% | 6,794 |
| Total risk-based capital ratio | 11.1956% | 6,690 |
| Memoranda: | ||
| Average total assets | $358,283,000 | 1,868 |
| Average earning assets | $332,737,800 | 1,841 |
| Average equity | $30,426,800 | 2,224 |
| Average total loans | $291,109,200 | 1,660 |