Home > The Bank of Greene County > Performance and Condition Ratios
The Bank of Greene County, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7322% | 4,248 |
| Cost of funding earning assets | 1.4942% | 1,961 |
| Net interest margin | 2.2380% | 4,294 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 1.4360% | 4,368 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 1.0428% | 2,089 |
| Return on assets (ROA) | 1.0443% | 2,052 |
| Pretax return on assets | 1.1793% | 2,192 |
| Return on Equity (ROE) | 13.2500% | 1,665 |
| Retained earnings to average equity (ytd only) | 10.8944% | 813 |
| Net charge-offs to loans | 0.0335% | 1,629 |
| Credit loss provision to net charge-offs | -35.8491% | 4,452 |
| Earnings coverage of net charge-offs (x) | 66.1111% | 1,129 |
| Efficiency ratio | 55.0643% | 3,596 |
| Assets per employee ($millions) | 13.5492% | 285 |
| Cash dividends to net income (ytd only)* | 17.8066% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3935% | 1,411 |
| Loan loss allowance to noncurrent loans | 359.1335% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.2177% | 2,138 |
| Noncurrent loans to loans | 0.3880% | 1,820 |
| Net loans and leases to total assets | 52.5100% | 3,454 |
| Net loans and leases to deposits | 61.0811% | 3,463 |
| Net loans and leases to core deposits | 63.6078% | 3,603 |
| Total domestic deposits to total assets | 85.9600% | 2,032 |
| Equity capital to assets | 8.3559% | 3,155 |
| Core capital (leverage) ratio | 9.2602% | 3,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8665% | 1,100 |
| Memoranda: | ||
| Average total assets | $2,691,103,200 | 434 |
| Average earning assets | $2,569,993,600 | 414 |
| Average equity | $212,016,800 | 513 |
| Average total loans | $1,423,092,800 | 541 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6605% | 4,254 |
| Cost of funding earning assets | 1.3391% | 2,031 |
| Net interest margin | 2.3213% | 4,291 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 1.4653% | 4,338 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 1.0822% | 2,110 |
| Return on assets (ROA) | 1.0830% | 2,096 |
| Pretax return on assets | 1.2307% | 2,225 |
| Return on Equity (ROE) | 13.9600% | 1,661 |
| Retained earnings to average equity (ytd only) | 10.7544% | 1,198 |
| Net charge-offs to loans | 0.0334% | 1,420 |
| Credit loss provision to net charge-offs | -100.0000% | 4,523 |
| Earnings coverage of net charge-offs (x) | 68.8814% | 1,123 |
| Efficiency ratio | 54.7052% | 3,523 |
| Assets per employee ($millions) | 13.1154% | 292 |
| Cash dividends to net income (ytd only)* | 22.9727% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3976% | 1,456 |
| Loan loss allowance to noncurrent loans | 369.1032% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.2153% | 2,188 |
| Noncurrent loans to loans | 0.3786% | 1,879 |
| Net loans and leases to total assets | 53.1300% | 3,414 |
| Net loans and leases to deposits | 58.5696% | 3,577 |
| Net loans and leases to core deposits | 60.3552% | 3,688 |
| Total domestic deposits to total assets | 90.7200% | 738 |
| Equity capital to assets | 8.0454% | 3,023 |
| Core capital (leverage) ratio | 9.1042% | 3,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5509% | 1,190 |
| Memoranda: | ||
| Average total assets | $2,679,645,250 | 438 |
| Average earning assets | $2,559,027,750 | 415 |
| Average equity | $207,847,250 | 518 |
| Average total loans | $1,414,509,750 | 543 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5618% | 4,290 |
| Cost of funding earning assets | 1.1708% | 2,076 |
| Net interest margin | 2.3910% | 4,306 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 1.5484% | 4,296 |
| Loan and lease loss provision to assets | -0.0600% | 4,518 |
| Net operating income to assets | 1.0977% | 2,134 |
| Return on assets (ROA) | 1.0994% | 2,119 |
| Pretax return on assets | 1.2490% | 2,227 |
| Return on Equity (ROE) | 14.3500% | 1,612 |
| Retained earnings to average equity (ytd only) | 9.4749% | 1,555 |
| Net charge-offs to loans | 0.0372% | 1,164 |
| Credit loss provision to net charge-offs | -312.6437% | 4,582 |
| Earnings coverage of net charge-offs (x) | 60.8238% | 1,195 |
| Efficiency ratio | 56.6221% | 3,343 |
| Assets per employee ($millions) | 13.0764% | 293 |
| Cash dividends to net income (ytd only)* | 33.9836% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5054% | 1,161 |
| Loan loss allowance to noncurrent loans | 388.6405% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.2138% | 2,127 |
| Noncurrent loans to loans | 0.3874% | 1,763 |
| Net loans and leases to total assets | 51.5200% | 3,447 |
| Net loans and leases to deposits | 56.4680% | 3,611 |
| Net loans and leases to core deposits | 58.3739% | 3,698 |
| Total domestic deposits to total assets | 91.2400% | 573 |
| Equity capital to assets | 7.7536% | 3,370 |
| Core capital (leverage) ratio | 8.6763% | 4,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4711% | 1,220 |
| Memoranda: | ||
| Average total assets | $2,676,641,333 | 424 |
| Average earning assets | $2,558,640,333 | 406 |
| Average equity | $205,025,667 | 513 |
| Average total loans | $1,403,066,667 | 532 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4483% | 4,328 |
| Cost of funding earning assets | 0.9724% | 2,146 |
| Net interest margin | 2.4759% | 4,327 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 1.5400% | 4,359 |
| Loan and lease loss provision to assets | -0.1400% | 4,599 |
| Net operating income to assets | 1.2322% | 1,846 |
| Return on assets (ROA) | 1.2340% | 1,810 |
| Pretax return on assets | 1.4248% | 1,821 |
| Return on Equity (ROE) | 16.2100% | 1,312 |
| Retained earnings to average equity (ytd only) | 16.2101% | 669 |
| Net charge-offs to loans | 0.0543% | 824 |
| Credit loss provision to net charge-offs | -496.8421% | 4,624 |
| Earnings coverage of net charge-offs (x) | 44.9789% | 1,137 |
| Efficiency ratio | 54.5860% | 3,546 |
| Assets per employee ($millions) | 13.3582% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 1,251 |
| Loan loss allowance to noncurrent loans | 450.8738% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.1891% | 2,199 |
| Noncurrent loans to loans | 0.3328% | 1,964 |
| Net loans and leases to total assets | 50.9600% | 3,421 |
| Net loans and leases to deposits | 55.7705% | 3,581 |
| Net loans and leases to core deposits | 57.7112% | 3,644 |
| Total domestic deposits to total assets | 91.3700% | 681 |
| Equity capital to assets | 7.6579% | 3,473 |
| Core capital (leverage) ratio | 8.7412% | 3,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3132% | 1,309 |
| Memoranda: | ||
| Average total assets | $2,668,089,000 | 440 |
| Average earning assets | $2,549,552,000 | 418 |
| Average equity | $203,107,500 | 529 |
| Average total loans | $1,400,083,500 | 541 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9587% | 4,178 |
| Cost of funding earning assets | 0.3432% | 2,536 |
| Net interest margin | 2.6156% | 4,154 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 1.4958% | 4,431 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.2359% | 1,643 |
| Return on assets (ROA) | 1.2271% | 1,625 |
| Pretax return on assets | 1.4433% | 1,648 |
| Return on Equity (ROE) | 16.3900% | 981 |
| Retained earnings to average equity (ytd only) | 15.3314% | 266 |
| Net charge-offs to loans | 0.0119% | 1,943 |
| Credit loss provision to net charge-offs | 503.3333% | 675 |
| Earnings coverage of net charge-offs (x) | 249.6067% | 548 |
| Efficiency ratio | 50.2048% | 4,116 |
| Assets per employee ($millions) | 12.9262% | 311 |
| Cash dividends to net income (ytd only)* | 6.4714% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6031% | 973 |
| Loan loss allowance to noncurrent loans | 414.5248% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 2,137 |
| Noncurrent loans to loans | 0.3867% | 1,761 |
| Net loans and leases to total assets | 52.4000% | 3,329 |
| Net loans and leases to deposits | 59.9364% | 3,332 |
| Net loans and leases to core deposits | 61.9686% | 3,392 |
| Total domestic deposits to total assets | 87.4200% | 2,260 |
| Equity capital to assets | 7.5651% | 3,345 |
| Core capital (leverage) ratio | 8.4928% | 4,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9042% | 1,389 |
| Memoranda: | ||
| Average total assets | $2,523,666,400 | 451 |
| Average earning assets | $2,413,220,000 | 432 |
| Average equity | $188,912,400 | 548 |
| Average total loans | $1,258,722,400 | 555 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8335% | 4,153 |
| Cost of funding earning assets | 0.2332% | 2,893 |
| Net interest margin | 2.6004% | 4,099 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 1.4653% | 4,457 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.2573% | 1,502 |
| Return on assets (ROA) | 1.2555% | 1,477 |
| Pretax return on assets | 1.4707% | 1,497 |
| Return on Equity (ROE) | 16.8200% | 830 |
| Retained earnings to average equity (ytd only) | 15.3914% | 334 |
| Net charge-offs to loans | 0.0052% | 1,980 |
| Credit loss provision to net charge-offs | 1,064.5833% | 394 |
| Earnings coverage of net charge-offs (x) | 586.3750% | 268 |
| Efficiency ratio | 49.4141% | 4,192 |
| Assets per employee ($millions) | 12.9027% | 304 |
| Cash dividends to net income (ytd only)* | 8.4893% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6400% | 991 |
| Loan loss allowance to noncurrent loans | 407.7886% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 2,200 |
| Noncurrent loans to loans | 0.4022% | 1,815 |
| Net loans and leases to total assets | 51.4700% | 3,340 |
| Net loans and leases to deposits | 56.6304% | 3,429 |
| Net loans and leases to core deposits | 57.6943% | 3,523 |
| Total domestic deposits to total assets | 90.8900% | 1,283 |
| Equity capital to assets | 7.2913% | 3,346 |
| Core capital (leverage) ratio | 8.3441% | 4,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8107% | 1,479 |
| Memoranda: | ||
| Average total assets | $2,501,808,250 | 451 |
| Average earning assets | $2,393,704,750 | 433 |
| Average equity | $186,757,500 | 562 |
| Average total loans | $1,225,808,250 | 561 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7128% | 4,122 |
| Cost of funding earning assets | 0.1593% | 3,456 |
| Net interest margin | 2.5535% | 3,998 |
| Noninterest income to average assets | 0.4792% | 2,312 |
| Noninterest expense to average assets | 1.4822% | 4,440 |
| Loan and lease loss provision to assets | 0.0816% | 1,206 |
| Net operating income to assets | 1.1632% | 1,562 |
| Return on assets (ROA) | 1.1619% | 1,540 |
| Pretax return on assets | 1.3593% | 1,554 |
| Return on Equity (ROE) | 15.4403% | 810 |
| Retained earnings to average equity (ytd only) | 13.2931% | 435 |
| Net charge-offs to loans | -0.0113% | 3,627 |
| Credit loss provision to net charge-offs | -1,507.4627% | 3,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6809% | 4,208 |
| Assets per employee ($millions) | 12.9702% | 294 |
| Cash dividends to net income (ytd only)* | 13.9063% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8175% | 789 |
| Loan loss allowance to noncurrent loans | 360.3134% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 2,077 |
| Noncurrent loans to loans | 0.5044% | 1,617 |
| Net loans and leases to total assets | 47.8783% | 3,565 |
| Net loans and leases to deposits | 55.0204% | 3,465 |
| Net loans and leases to core deposits | 55.2833% | 3,628 |
| Total domestic deposits to total assets | 87.0191% | 2,933 |
| Equity capital to assets | 7.2266% | 3,647 |
| Core capital (leverage) ratio | 8.1417% | 4,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0470% | 1,427 |
| Memoranda: | ||
| Average total assets | $2,475,565,667 | 451 |
| Average earning assets | $2,370,883,333 | 438 |
| Average equity | $186,292,000 | 573 |
| Average total loans | $1,184,275,000 | 573 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6487% | 4,036 |
| Cost of funding earning assets | 0.1286% | 3,793 |
| Net interest margin | 2.5201% | 3,863 |
| Noninterest income to average assets | 0.4764% | 2,265 |
| Noninterest expense to average assets | 1.4356% | 4,495 |
| Loan and lease loss provision to assets | 0.0268% | 1,883 |
| Net operating income to assets | 1.2130% | 1,217 |
| Return on assets (ROA) | 1.2137% | 1,203 |
| Pretax return on assets | 1.4309% | 1,174 |
| Return on Equity (ROE) | 15.7968% | 555 |
| Retained earnings to average equity (ytd only) | 15.7968% | 246 |
| Net charge-offs to loans | 0.0376% | 913 |
| Credit loss provision to net charge-offs | 150.9259% | 859 |
| Earnings coverage of net charge-offs (x) | 81.9259% | 741 |
| Efficiency ratio | 49.6328% | 4,329 |
| Assets per employee ($millions) | 13.1853% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8811% | 769 |
| Loan loss allowance to noncurrent loans | 562.4580% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.1562% | 2,708 |
| Noncurrent loans to loans | 0.3344% | 2,288 |
| Net loans and leases to total assets | 45.0253% | 3,655 |
| Net loans and leases to deposits | 49.0725% | 3,813 |
| Net loans and leases to core deposits | 49.1444% | 3,920 |
| Total domestic deposits to total assets | 91.7525% | 673 |
| Equity capital to assets | 7.3647% | 4,009 |
| Core capital (leverage) ratio | 8.2288% | 4,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8479% | 1,299 |
| Memoranda: | ||
| Average total assets | $2,429,299,500 | 463 |
| Average earning assets | $2,329,135,000 | 446 |
| Average equity | $186,645,500 | 585 |
| Average total loans | $1,150,251,500 | 584 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9785% | 3,908 |
| Cost of funding earning assets | 0.1677% | 3,798 |
| Net interest margin | 2.8109% | 3,638 |
| Noninterest income to average assets | 0.5039% | 2,551 |
| Noninterest expense to average assets | 1.5834% | 4,445 |
| Loan and lease loss provision to assets | 0.1727% | 668 |
| Net operating income to assets | 1.2443% | 1,761 |
| Return on assets (ROA) | 1.2443% | 1,819 |
| Pretax return on assets | 1.4508% | 1,878 |
| Return on Equity (ROE) | 15.9689% | 770 |
| Retained earnings to average equity (ytd only) | 14.7800% | 244 |
| Net charge-offs to loans | 0.0293% | 1,653 |
| Credit loss provision to net charge-offs | 1,156.9659% | 479 |
| Earnings coverage of net charge-offs (x) | 108.7337% | 844 |
| Efficiency ratio | 49.3737% | 4,334 |
| Assets per employee ($millions) | 12.3821% | 363 |
| Cash dividends to net income (ytd only)* | 7.4451% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8940% | 736 |
| Loan loss allowance to noncurrent loans | 559.5871% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.1656% | 2,777 |
| Noncurrent loans to loans | 0.3385% | 2,370 |
| Net loans and leases to total assets | 47.9943% | 3,493 |
| Net loans and leases to deposits | 53.6761% | 3,622 |
| Net loans and leases to core deposits | 53.7563% | 3,768 |
| Total domestic deposits to total assets | 89.4147% | 1,290 |
| Equity capital to assets | 8.0258% | 4,350 |
| Core capital (leverage) ratio | 8.1941% | 4,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8561% | 1,299 |
| Memoranda: | ||
| Average total assets | $2,163,255,400 | 490 |
| Average earning assets | $2,080,224,000 | 471 |
| Average equity | $168,558,800 | 642 |
| Average total loans | $1,101,396,200 | 599 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0094% | 3,984 |
| Cost of funding earning assets | 0.1725% | 3,899 |
| Net interest margin | 2.8369% | 3,693 |
| Noninterest income to average assets | 0.4890% | 2,672 |
| Noninterest expense to average assets | 1.6108% | 4,456 |
| Loan and lease loss provision to assets | 0.1546% | 717 |
| Net operating income to assets | 1.2484% | 1,996 |
| Return on assets (ROA) | 1.2487% | 2,060 |
| Pretax return on assets | 1.4547% | 2,137 |
| Return on Equity (ROE) | 16.1598% | 913 |
| Retained earnings to average equity (ytd only) | 14.5313% | 455 |
| Net charge-offs to loans | 0.0286% | 1,480 |
| Credit loss provision to net charge-offs | 1,050.0000% | 503 |
| Earnings coverage of net charge-offs (x) | 109.2778% | 826 |
| Efficiency ratio | 50.0283% | 4,219 |
| Assets per employee ($millions) | 12.1901% | 355 |
| Cash dividends to net income (ytd only)* | 10.0776% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8334% | 869 |
| Loan loss allowance to noncurrent loans | 1,078.5789% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.0862% | 3,524 |
| Noncurrent loans to loans | 0.1700% | 3,268 |
| Net loans and leases to total assets | 48.1351% | 3,618 |
| Net loans and leases to deposits | 52.7410% | 3,831 |
| Net loans and leases to core deposits | 52.8048% | 3,993 |
| Total domestic deposits to total assets | 91.2669% | 294 |
| Equity capital to assets | 7.8073% | 4,606 |
| Core capital (leverage) ratio | 8.1352% | 4,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8680% | 1,374 |
| Memoranda: | ||
| Average total assets | $2,119,016,500 | 502 |
| Average earning assets | $2,039,658,000 | 483 |
| Average equity | $163,743,500 | 667 |
| Average total loans | $1,090,532,000 | 620 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0441% | 3,966 |
| Cost of funding earning assets | 0.1795% | 3,953 |
| Net interest margin | 2.8646% | 3,646 |
| Noninterest income to average assets | 0.4733% | 2,739 |
| Noninterest expense to average assets | 1.6724% | 4,404 |
| Loan and lease loss provision to assets | 0.1422% | 852 |
| Net operating income to assets | 1.2279% | 2,087 |
| Return on assets (ROA) | 1.2291% | 2,150 |
| Pretax return on assets | 1.4240% | 2,260 |
| Return on Equity (ROE) | 15.9672% | 965 |
| Retained earnings to average equity (ytd only) | 13.4515% | 645 |
| Net charge-offs to loans | 0.0131% | 1,686 |
| Credit loss provision to net charge-offs | 2,069.0141% | 284 |
| Earnings coverage of net charge-offs (x) | 227.6056% | 462 |
| Efficiency ratio | 51.6631% | 4,077 |
| Assets per employee ($millions) | 11.7469% | 380 |
| Cash dividends to net income (ytd only)* | 15.7555% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7786% | 919 |
| Loan loss allowance to noncurrent loans | 854.7588% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 3,505 |
| Noncurrent loans to loans | 0.2081% | 3,215 |
| Net loans and leases to total assets | 49.4447% | 3,612 |
| Net loans and leases to deposits | 54.1288% | 3,852 |
| Net loans and leases to core deposits | 54.1966% | 4,013 |
| Total domestic deposits to total assets | 91.3465% | 267 |
| Equity capital to assets | 7.7014% | 4,677 |
| Core capital (leverage) ratio | 7.9799% | 4,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8509% | 1,372 |
| Memoranda: | ||
| Average total assets | $2,065,503,000 | 514 |
| Average earning assets | $1,992,877,667 | 495 |
| Average equity | $159,001,000 | 678 |
| Average total loans | $1,081,456,333 | 625 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0820% | 3,923 |
| Cost of funding earning assets | 0.1990% | 3,921 |
| Net interest margin | 2.8829% | 3,569 |
| Noninterest income to average assets | 0.4602% | 2,789 |
| Noninterest expense to average assets | 1.7485% | 4,293 |
| Loan and lease loss provision to assets | 0.2868% | 339 |
| Net operating income to assets | 1.0383% | 2,676 |
| Return on assets (ROA) | 1.0374% | 2,760 |
| Pretax return on assets | 1.2106% | 2,822 |
| Return on Equity (ROE) | 13.4802% | 1,543 |
| Retained earnings to average equity (ytd only) | 13.4802% | 818 |
| Net charge-offs to loans | 0.0135% | 1,473 |
| Credit loss provision to net charge-offs | 3,983.3333% | 141 |
| Earnings coverage of net charge-offs (x) | 208.1111% | 388 |
| Efficiency ratio | 53.8499% | 3,804 |
| Assets per employee ($millions) | 11.5650% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8068% | 860 |
| Loan loss allowance to noncurrent loans | 737.7344% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.1321% | 3,513 |
| Noncurrent loans to loans | 0.2449% | 3,217 |
| Net loans and leases to total assets | 49.9594% | 3,626 |
| Net loans and leases to deposits | 54.4755% | 3,908 |
| Net loans and leases to core deposits | 54.5396% | 4,070 |
| Total domestic deposits to total assets | 91.7097% | 197 |
| Equity capital to assets | 7.3528% | 4,756 |
| Core capital (leverage) ratio | 8.0350% | 4,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3952% | 1,445 |
| Memoranda: | ||
| Average total assets | $1,999,919,000 | 517 |
| Average earning assets | $1,933,191,000 | 500 |
| Average equity | $153,914,500 | 696 |
| Average total loans | $1,069,281,500 | 635 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4511% | 4,120 |
| Cost of funding earning assets | 0.4042% | 3,554 |
| Net interest margin | 3.0469% | 3,763 |
| Noninterest income to average assets | 0.4843% | 2,700 |
| Noninterest expense to average assets | 1.8433% | 4,401 |
| Loan and lease loss provision to assets | 0.3095% | 1,206 |
| Net operating income to assets | 1.1340% | 1,790 |
| Return on assets (ROA) | 1.1354% | 1,903 |
| Pretax return on assets | 1.3054% | 1,956 |
| Return on Equity (ROE) | 14.3774% | 738 |
| Retained earnings to average equity (ytd only) | 12.8580% | 249 |
| Net charge-offs to loans | 0.0906% | 1,549 |
| Credit loss provision to net charge-offs | 585.3907% | 1,120 |
| Earnings coverage of net charge-offs (x) | 30.5153% | 1,597 |
| Efficiency ratio | 53.3274% | 4,276 |
| Assets per employee ($millions) | 10.2215% | 490 |
| Cash dividends to net income (ytd only)* | 10.5679% | 3,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7400% | 962 |
| Loan loss allowance to noncurrent loans | 663.1579% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.1688% | 3,427 |
| Noncurrent loans to loans | 0.2624% | 3,252 |
| Net loans and leases to total assets | 55.4601% | 3,349 |
| Net loans and leases to deposits | 61.2222% | 3,659 |
| Net loans and leases to core deposits | 61.3059% | 3,869 |
| Total domestic deposits to total assets | 90.5883% | 340 |
| Equity capital to assets | 8.0908% | 4,667 |
| Core capital (leverage) ratio | 8.1507% | 4,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4677% | 1,407 |
| Memoranda: | ||
| Average total assets | $1,670,192,800 | 564 |
| Average earning assets | $1,629,309,600 | 535 |
| Average equity | $131,894,600 | 754 |
| Average total loans | $974,328,000 | 660 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4726% | 4,252 |
| Cost of funding earning assets | 0.4639% | 3,451 |
| Net interest margin | 3.0086% | 3,953 |
| Noninterest income to average assets | 0.4682% | 2,753 |
| Noninterest expense to average assets | 1.8802% | 4,364 |
| Loan and lease loss provision to assets | 0.3211% | 1,234 |
| Net operating income to assets | 1.0494% | 2,147 |
| Return on assets (ROA) | 1.0499% | 2,277 |
| Pretax return on assets | 1.2009% | 2,385 |
| Return on Equity (ROE) | 13.3896% | 1,006 |
| Retained earnings to average equity (ytd only) | 11.2939% | 521 |
| Net charge-offs to loans | 0.0413% | 2,034 |
| Credit loss provision to net charge-offs | 1,320.2703% | 685 |
| Earnings coverage of net charge-offs (x) | 62.5507% | 1,070 |
| Efficiency ratio | 55.2745% | 4,006 |
| Assets per employee ($millions) | 9.5030% | 602 |
| Cash dividends to net income (ytd only)* | 15.6519% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6807% | 924 |
| Loan loss allowance to noncurrent loans | 404.6918% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 3,224 |
| Noncurrent loans to loans | 0.4153% | 2,813 |
| Net loans and leases to total assets | 57.3121% | 3,493 |
| Net loans and leases to deposits | 63.1843% | 3,846 |
| Net loans and leases to core deposits | 63.2395% | 4,040 |
| Total domestic deposits to total assets | 90.7062% | 234 |
| Equity capital to assets | 7.8139% | 4,773 |
| Core capital (leverage) ratio | 8.2482% | 4,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2425% | 1,438 |
| Memoranda: | ||
| Average total assets | $1,622,662,250 | 566 |
| Average earning assets | $1,582,041,250 | 536 |
| Average equity | $127,239,750 | 770 |
| Average total loans | $955,409,250 | 667 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6445% | 4,184 |
| Cost of funding earning assets | 0.5349% | 3,319 |
| Net interest margin | 3.1096% | 3,882 |
| Noninterest income to average assets | 0.4728% | 2,695 |
| Noninterest expense to average assets | 1.9735% | 4,286 |
| Loan and lease loss provision to assets | 0.3405% | 1,259 |
| Net operating income to assets | 1.0380% | 2,193 |
| Return on assets (ROA) | 1.0382% | 2,325 |
| Pretax return on assets | 1.1912% | 2,391 |
| Return on Equity (ROE) | 13.2219% | 1,050 |
| Retained earnings to average equity (ytd only) | 9.9664% | 794 |
| Net charge-offs to loans | 0.0556% | 1,703 |
| Credit loss provision to net charge-offs | 1,036.5759% | 772 |
| Earnings coverage of net charge-offs (x) | 46.6226% | 1,154 |
| Efficiency ratio | 56.3067% | 3,904 |
| Assets per employee ($millions) | 9.1952% | 645 |
| Cash dividends to net income (ytd only)* | 24.6214% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6226% | 958 |
| Loan loss allowance to noncurrent loans | 402.1344% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.2436% | 3,345 |
| Noncurrent loans to loans | 0.4035% | 2,962 |
| Net loans and leases to total assets | 59.3829% | 3,386 |
| Net loans and leases to deposits | 66.0594% | 3,718 |
| Net loans and leases to core deposits | 66.0888% | 3,967 |
| Total domestic deposits to total assets | 89.8932% | 427 |
| Equity capital to assets | 7.8204% | 4,800 |
| Core capital (leverage) ratio | 8.0509% | 4,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9707% | 1,491 |
| Memoranda: | ||
| Average total assets | $1,564,861,333 | 572 |
| Average earning assets | $1,525,844,000 | 543 |
| Average equity | $122,872,333 | 783 |
| Average total loans | $924,893,000 | 680 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6795% | 4,431 |
| Cost of funding earning assets | 0.6237% | 3,312 |
| Net interest margin | 3.0558% | 4,188 |
| Noninterest income to average assets | 0.5259% | 2,410 |
| Noninterest expense to average assets | 1.9808% | 4,436 |
| Loan and lease loss provision to assets | 0.3774% | 816 |
| Net operating income to assets | 0.9963% | 2,181 |
| Return on assets (ROA) | 0.9901% | 2,311 |
| Pretax return on assets | 1.1371% | 2,407 |
| Return on Equity (ROE) | 12.5818% | 963 |
| Retained earnings to average equity (ytd only) | 12.5818% | 364 |
| Net charge-offs to loans | 0.0925% | 1,139 |
| Credit loss provision to net charge-offs | 698.5294% | 731 |
| Earnings coverage of net charge-offs (x) | 28.1667% | 1,216 |
| Efficiency ratio | 56.5553% | 4,152 |
| Assets per employee ($millions) | 8.8843% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6908% | 892 |
| Loan loss allowance to noncurrent loans | 391.3771% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.2457% | 3,477 |
| Noncurrent loans to loans | 0.4320% | 2,956 |
| Net loans and leases to total assets | 55.9055% | 3,848 |
| Net loans and leases to deposits | 61.6269% | 4,122 |
| Net loans and leases to core deposits | 61.6556% | 4,287 |
| Total domestic deposits to total assets | 90.7160% | 146 |
| Equity capital to assets | 7.6483% | 5,022 |
| Core capital (leverage) ratio | 8.0906% | 4,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1802% | 1,851 |
| Memoranda: | ||
| Average total assets | $1,510,526,000 | 567 |
| Average earning assets | $1,471,298,000 | 537 |
| Average equity | $118,870,000 | 806 |
| Average total loans | $882,248,500 | 685 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9218% | 4,391 |
| Cost of funding earning assets | 0.6228% | 3,542 |
| Net interest margin | 3.2990% | 3,991 |
| Noninterest income to average assets | 0.6393% | 2,049 |
| Noninterest expense to average assets | 2.0959% | 4,378 |
| Loan and lease loss provision to assets | 0.1666% | 1,252 |
| Net operating income to assets | 1.3214% | 1,608 |
| Return on assets (ROA) | 1.3246% | 1,678 |
| Pretax return on assets | 1.5814% | 1,537 |
| Return on Equity (ROE) | 16.0318% | 532 |
| Retained earnings to average equity (ytd only) | 14.1875% | 117 |
| Net charge-offs to loans | 0.1094% | 1,640 |
| Credit loss provision to net charge-offs | 248.9773% | 1,094 |
| Earnings coverage of net charge-offs (x) | 26.0659% | 1,708 |
| Efficiency ratio | 54.5800% | 4,363 |
| Assets per employee ($millions) | 8.4190% | 614 |
| Cash dividends to net income (ytd only)* | 11.5040% | 3,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6163% | 946 |
| Loan loss allowance to noncurrent loans | 413.8503% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.2558% | 3,410 |
| Noncurrent loans to loans | 0.3905% | 3,034 |
| Net loans and leases to total assets | 59.1267% | 3,663 |
| Net loans and leases to deposits | 68.2945% | 3,795 |
| Net loans and leases to core deposits | 68.3310% | 4,061 |
| Total domestic deposits to total assets | 86.5761% | 1,815 |
| Equity capital to assets | 8.1124% | 5,034 |
| Core capital (leverage) ratio | 8.3244% | 4,937 |
| Tier 1 risk-based capital ratio | 14.1980% | 3,169 |
| Total risk-based capital ratio | 15.4532% | 3,078 |
| Memoranda: | ||
| Average total assets | $1,315,110,200 | 613 |
| Average earning assets | $1,275,993,600 | 584 |
| Average equity | $108,659,000 | 836 |
| Average total loans | $804,703,800 | 711 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9376% | 4,481 |
| Cost of funding earning assets | 0.6065% | 3,662 |
| Net interest margin | 3.3312% | 4,037 |
| Noninterest income to average assets | 0.6419% | 2,025 |
| Noninterest expense to average assets | 2.1553% | 4,263 |
| Loan and lease loss provision to assets | 0.1560% | 1,203 |
| Net operating income to assets | 1.3026% | 1,851 |
| Return on assets (ROA) | 1.3058% | 1,917 |
| Pretax return on assets | 1.5646% | 1,767 |
| Return on Equity (ROE) | 15.7243% | 654 |
| Retained earnings to average equity (ytd only) | 13.2234% | 262 |
| Net charge-offs to loans | 0.1234% | 1,274 |
| Credit loss provision to net charge-offs | 205.4720% | 1,282 |
| Earnings coverage of net charge-offs (x) | 22.6157% | 1,862 |
| Efficiency ratio | 55.6640% | 4,199 |
| Assets per employee ($millions) | 8.3240% | 615 |
| Cash dividends to net income (ytd only)* | 15.9046% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6409% | 922 |
| Loan loss allowance to noncurrent loans | 381.7149% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 3,467 |
| Noncurrent loans to loans | 0.4299% | 3,018 |
| Net loans and leases to total assets | 57.2858% | 3,943 |
| Net loans and leases to deposits | 63.6897% | 4,195 |
| Net loans and leases to core deposits | 63.7578% | 4,382 |
| Total domestic deposits to total assets | 89.9452% | 302 |
| Equity capital to assets | 7.9661% | 5,138 |
| Core capital (leverage) ratio | 8.7066% | 4,834 |
| Tier 1 risk-based capital ratio | 14.5428% | 3,056 |
| Total risk-based capital ratio | 15.7985% | 2,978 |
| Memoranda: | ||
| Average total assets | $1,283,975,000 | 623 |
| Average earning assets | $1,245,013,250 | 595 |
| Average equity | $106,626,250 | 853 |
| Average total loans | $789,579,250 | 726 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9938% | 4,392 |
| Cost of funding earning assets | 0.5895% | 3,707 |
| Net interest margin | 3.4042% | 3,882 |
| Noninterest income to average assets | 0.6289% | 2,027 |
| Noninterest expense to average assets | 2.2532% | 4,116 |
| Loan and lease loss provision to assets | 0.1530% | 1,192 |
| Net operating income to assets | 1.2738% | 1,868 |
| Return on assets (ROA) | 1.2791% | 1,913 |
| Pretax return on assets | 1.5309% | 1,754 |
| Return on Equity (ROE) | 15.1698% | 725 |
| Retained earnings to average equity (ytd only) | 11.3535% | 501 |
| Net charge-offs to loans | 0.1088% | 1,318 |
| Credit loss provision to net charge-offs | 224.2925% | 1,117 |
| Earnings coverage of net charge-offs (x) | 24.5920% | 1,623 |
| Efficiency ratio | 57.3206% | 4,090 |
| Assets per employee ($millions) | 7.4941% | 815 |
| Cash dividends to net income (ytd only)* | 25.1572% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6517% | 915 |
| Loan loss allowance to noncurrent loans | 362.9365% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.2914% | 3,381 |
| Noncurrent loans to loans | 0.4551% | 2,915 |
| Net loans and leases to total assets | 62.0593% | 3,541 |
| Net loans and leases to deposits | 69.9835% | 3,845 |
| Net loans and leases to core deposits | 70.0663% | 4,106 |
| Total domestic deposits to total assets | 88.6770% | 792 |
| Equity capital to assets | 8.5046% | 5,040 |
| Core capital (leverage) ratio | 8.6888% | 4,853 |
| Tier 1 risk-based capital ratio | 14.5339% | 3,052 |
| Total risk-based capital ratio | 15.7901% | 2,971 |
| Memoranda: | ||
| Average total assets | $1,243,049,000 | 640 |
| Average earning assets | $1,205,675,670 | 610 |
| Average equity | $104,813,670 | 857 |
| Average total loans | $779,667,670 | 733 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9618% | 4,454 |
| Cost of funding earning assets | 0.5635% | 3,765 |
| Net interest margin | 3.3983% | 3,889 |
| Noninterest income to average assets | 0.5994% | 2,046 |
| Noninterest expense to average assets | 2.1934% | 4,272 |
| Loan and lease loss provision to assets | 0.1137% | 1,555 |
| Net operating income to assets | 1.3126% | 1,654 |
| Return on assets (ROA) | 1.3186% | 1,676 |
| Pretax return on assets | 1.5905% | 1,494 |
| Return on Equity (ROE) | 15.7074% | 631 |
| Retained earnings to average equity (ytd only) | 15.7074% | 237 |
| Net charge-offs to loans | 0.0920% | 1,205 |
| Credit loss provision to net charge-offs | 197.7401% | 1,070 |
| Earnings coverage of net charge-offs (x) | 29.5141% | 1,344 |
| Efficiency ratio | 56.3794% | 4,282 |
| Assets per employee ($millions) | 7.6109% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6544% | 952 |
| Loan loss allowance to noncurrent loans | 429.9197% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2393% | 3,669 |
| Noncurrent loans to loans | 0.3848% | 3,205 |
| Net loans and leases to total assets | 60.0792% | 3,700 |
| Net loans and leases to deposits | 66.9410% | 3,989 |
| Net loans and leases to core deposits | 67.0187% | 4,230 |
| Total domestic deposits to total assets | 89.7495% | 544 |
| Equity capital to assets | 8.2993% | 5,083 |
| Core capital (leverage) ratio | 8.7828% | 4,805 |
| Tier 1 risk-based capital ratio | 14.9915% | 2,893 |
| Total risk-based capital ratio | 16.2482% | 2,813 |
| Memoranda: | ||
| Average total assets | $1,231,325,000 | 650 |
| Average earning assets | $1,192,492,000 | 616 |
| Average equity | $103,365,500 | 863 |
| Average total loans | $769,912,000 | 742 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8677% | 4,342 |
| Cost of funding earning assets | 0.4379% | 3,750 |
| Net interest margin | 3.4298% | 3,909 |
| Noninterest income to average assets | 0.6674% | 1,976 |
| Noninterest expense to average assets | 2.1939% | 4,355 |
| Loan and lease loss provision to assets | 0.1337% | 1,622 |
| Net operating income to assets | 1.3325% | 1,679 |
| Return on assets (ROA) | 1.3323% | 1,669 |
| Pretax return on assets | 1.6630% | 1,266 |
| Return on Equity (ROE) | 16.4206% | 547 |
| Retained earnings to average equity (ytd only) | 15.3456% | 103 |
| Net charge-offs to loans | 0.0304% | 2,791 |
| Credit loss provision to net charge-offs | 705.9633% | 498 |
| Earnings coverage of net charge-offs (x) | 94.8807% | 765 |
| Efficiency ratio | 54.9731% | 4,520 |
| Assets per employee ($millions) | 7.1785% | 913 |
| Cash dividends to net income (ytd only)* | 6.5471% | 3,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6602% | 905 |
| Loan loss allowance to noncurrent loans | 350.5671% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 3,323 |
| Noncurrent loans to loans | 0.4736% | 2,848 |
| Net loans and leases to total assets | 62.9966% | 3,465 |
| Net loans and leases to deposits | 74.3390% | 3,476 |
| Net loans and leases to core deposits | 76.1153% | 3,710 |
| Total domestic deposits to total assets | 84.7422% | 2,751 |
| Equity capital to assets | 8.4964% | 4,934 |
| Core capital (leverage) ratio | 8.8171% | 4,800 |
| Tier 1 risk-based capital ratio | 14.7037% | 2,965 |
| Total risk-based capital ratio | 15.9606% | 2,890 |
| Memoranda: | ||
| Average total assets | $1,151,046,400 | 667 |
| Average earning assets | $1,115,368,800 | 635 |
| Average equity | $93,388,600 | 905 |
| Average total loans | $716,659,600 | 768 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8169% | 4,399 |
| Cost of funding earning assets | 0.4189% | 3,729 |
| Net interest margin | 3.3980% | 4,013 |
| Noninterest income to average assets | 0.6561% | 2,043 |
| Noninterest expense to average assets | 2.1995% | 4,327 |
| Loan and lease loss provision to assets | 0.1386% | 1,443 |
| Net operating income to assets | 1.2776% | 1,941 |
| Return on assets (ROA) | 1.2790% | 1,932 |
| Pretax return on assets | 1.6132% | 1,542 |
| Return on Equity (ROE) | 15.9604% | 702 |
| Retained earnings to average equity (ytd only) | 14.5020% | 200 |
| Net charge-offs to loans | 0.0435% | 2,227 |
| Credit loss provision to net charge-offs | 515.6522% | 685 |
| Earnings coverage of net charge-offs (x) | 65.1085% | 1,002 |
| Efficiency ratio | 55.6900% | 4,421 |
| Assets per employee ($millions) | 7.3177% | 833 |
| Cash dividends to net income (ytd only)* | 9.1374% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6693% | 931 |
| Loan loss allowance to noncurrent loans | 363.3894% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 3,522 |
| Noncurrent loans to loans | 0.4594% | 3,008 |
| Net loans and leases to total assets | 61.1568% | 3,734 |
| Net loans and leases to deposits | 72.2381% | 3,753 |
| Net loans and leases to core deposits | 72.3505% | 4,058 |
| Total domestic deposits to total assets | 84.6601% | 2,733 |
| Equity capital to assets | 8.1458% | 5,112 |
| Core capital (leverage) ratio | 8.5655% | 5,055 |
| Tier 1 risk-based capital ratio | 14.4799% | 3,134 |
| Total risk-based capital ratio | 15.7367% | 3,051 |
| Memoranda: | ||
| Average total assets | $1,140,899,250 | 671 |
| Average earning assets | $1,105,797,250 | 637 |
| Average equity | $91,424,250 | 919 |
| Average total loans | $704,984,000 | 778 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7656% | 4,436 |
| Cost of funding earning assets | 0.3906% | 3,805 |
| Net interest margin | 3.3751% | 4,036 |
| Noninterest income to average assets | 0.6541% | 2,074 |
| Noninterest expense to average assets | 2.2409% | 4,276 |
| Loan and lease loss provision to assets | 0.1476% | 1,286 |
| Net operating income to assets | 1.2127% | 2,141 |
| Return on assets (ROA) | 1.2127% | 2,137 |
| Pretax return on assets | 1.5410% | 1,680 |
| Return on Equity (ROE) | 15.2223% | 809 |
| Retained earnings to average equity (ytd only) | 12.9929% | 380 |
| Net charge-offs to loans | 0.0458% | 1,954 |
| Credit loss provision to net charge-offs | 522.6415% | 684 |
| Earnings coverage of net charge-offs (x) | 59.7925% | 1,002 |
| Efficiency ratio | 57.0286% | 4,356 |
| Assets per employee ($millions) | 7.3655% | 804 |
| Cash dividends to net income (ytd only)* | 14.6456% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6776% | 940 |
| Loan loss allowance to noncurrent loans | 335.9598% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.3218% | 3,476 |
| Noncurrent loans to loans | 0.4993% | 2,923 |
| Net loans and leases to total assets | 61.3330% | 3,666 |
| Net loans and leases to deposits | 68.6163% | 3,977 |
| Net loans and leases to core deposits | 69.7542% | 4,160 |
| Total domestic deposits to total assets | 89.3854% | 776 |
| Equity capital to assets | 8.0525% | 5,206 |
| Core capital (leverage) ratio | 8.2246% | 5,249 |
| Tier 1 risk-based capital ratio | 14.2046% | 3,264 |
| Total risk-based capital ratio | 15.4721% | 3,172 |
| Memoranda: | ||
| Average total assets | $1,126,044,000 | 678 |
| Average earning assets | $1,092,778,670 | 648 |
| Average equity | $89,710,330 | 929 |
| Average total loans | $694,211,670 | 791 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6835% | 4,502 |
| Cost of funding earning assets | 0.3756% | 3,769 |
| Net interest margin | 3.3079% | 4,171 |
| Noninterest income to average assets | 0.6327% | 2,115 |
| Noninterest expense to average assets | 2.1562% | 4,523 |
| Loan and lease loss provision to assets | 0.1238% | 1,518 |
| Net operating income to assets | 1.2335% | 1,878 |
| Return on assets (ROA) | 1.2335% | 1,888 |
| Pretax return on assets | 1.5608% | 1,493 |
| Return on Equity (ROE) | 15.5691% | 692 |
| Retained earnings to average equity (ytd only) | 15.5691% | 278 |
| Net charge-offs to loans | 0.0439% | 1,681 |
| Credit loss provision to net charge-offs | 460.0000% | 631 |
| Earnings coverage of net charge-offs (x) | 62.5867% | 821 |
| Efficiency ratio | 56.1390% | 4,561 |
| Assets per employee ($millions) | 7.7069% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6833% | 987 |
| Loan loss allowance to noncurrent loans | 328.5835% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.3197% | 3,552 |
| Noncurrent loans to loans | 0.5123% | 2,982 |
| Net loans and leases to total assets | 57.9459% | 3,943 |
| Net loans and leases to deposits | 64.4338% | 4,185 |
| Net loans and leases to core deposits | 64.5459% | 4,388 |
| Total domestic deposits to total assets | 89.9309% | 687 |
| Equity capital to assets | 7.6707% | 5,375 |
| Core capital (leverage) ratio | 8.2532% | 5,287 |
| Tier 1 risk-based capital ratio | 14.4165% | 3,159 |
| Total risk-based capital ratio | 15.6838% | 3,067 |
| Memoranda: | ||
| Average total assets | $1,114,555,500 | 688 |
| Average earning assets | $1,080,917,000 | 655 |
| Average equity | $88,303,000 | 951 |
| Average total loans | $682,941,000 | 806 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7640% | 4,172 |
| Cost of funding earning assets | 0.3633% | 3,584 |
| Net interest margin | 3.4006% | 3,856 |
| Noninterest income to average assets | 0.6672% | 2,105 |
| Noninterest expense to average assets | 2.1653% | 4,611 |
| Loan and lease loss provision to assets | 0.1493% | 1,517 |
| Net operating income to assets | 1.2202% | 1,451 |
| Return on assets (ROA) | 1.2202% | 1,478 |
| Pretax return on assets | 1.6328% | 1,207 |
| Return on Equity (ROE) | 15.0541% | 601 |
| Retained earnings to average equity (ytd only) | 13.8052% | 114 |
| Net charge-offs to loans | 0.0865% | 2,228 |
| Credit loss provision to net charge-offs | 269.2727% | 1,039 |
| Earnings coverage of net charge-offs (x) | 32.1382% | 1,476 |
| Efficiency ratio | 54.8529% | 4,871 |
| Assets per employee ($millions) | 7.1950% | 888 |
| Cash dividends to net income (ytd only)* | 8.2961% | 3,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6806% | 977 |
| Loan loss allowance to noncurrent loans | 309.9099% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.4319% | 3,142 |
| Noncurrent loans to loans | 0.5423% | 2,874 |
| Net loans and leases to total assets | 62.7895% | 3,514 |
| Net loans and leases to deposits | 72.0574% | 3,698 |
| Net loans and leases to core deposits | 72.4810% | 4,014 |
| Total domestic deposits to total assets | 87.1382% | 1,927 |
| Equity capital to assets | 8.2019% | 5,300 |
| Core capital (leverage) ratio | 8.4624% | 5,172 |
| Tier 1 risk-based capital ratio | 14.4386% | 3,117 |
| Total risk-based capital ratio | 15.7063% | 3,028 |
| Memoranda: | ||
| Average total assets | $991,836,600 | 745 |
| Average earning assets | $956,704,400 | 708 |
| Average equity | $80,390,200 | 1,006 |
| Average total loans | $636,067,000 | 828 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7572% | 4,152 |
| Cost of funding earning assets | 0.3567% | 3,604 |
| Net interest margin | 3.4005% | 3,850 |
| Noninterest income to average assets | 0.6460% | 2,227 |
| Noninterest expense to average assets | 2.1703% | 4,590 |
| Loan and lease loss provision to assets | 0.1543% | 1,344 |
| Net operating income to assets | 1.1826% | 1,765 |
| Return on assets (ROA) | 1.1826% | 1,811 |
| Pretax return on assets | 1.5999% | 1,421 |
| Return on Equity (ROE) | 14.6374% | 714 |
| Retained earnings to average equity (ytd only) | 12.9454% | 226 |
| Net charge-offs to loans | 0.0962% | 1,823 |
| Credit loss provision to net charge-offs | 249.7788% | 1,141 |
| Earnings coverage of net charge-offs (x) | 28.3917% | 1,609 |
| Efficiency ratio | 55.3013% | 4,814 |
| Assets per employee ($millions) | 7.1915% | 872 |
| Cash dividends to net income (ytd only)* | 11.5594% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7077% | 1,017 |
| Loan loss allowance to noncurrent loans | 328.5376% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.3988% | 3,434 |
| Noncurrent loans to loans | 0.5198% | 3,143 |
| Net loans and leases to total assets | 61.6833% | 3,684 |
| Net loans and leases to deposits | 69.3058% | 4,019 |
| Net loans and leases to core deposits | 69.4434% | 4,274 |
| Total domestic deposits to total assets | 89.0016% | 894 |
| Equity capital to assets | 8.0977% | 5,484 |
| Core capital (leverage) ratio | 8.5432% | 5,215 |
| Tier 1 risk-based capital ratio | 14.3456% | 3,267 |
| Total risk-based capital ratio | 15.6133% | 3,171 |
| Memoranda: | ||
| Average total assets | $975,380,250 | 764 |
| Average earning assets | $940,392,750 | 720 |
| Average equity | $78,800,750 | 1,023 |
| Average total loans | $626,220,500 | 841 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7598% | 4,031 |
| Cost of funding earning assets | 0.3465% | 3,617 |
| Net interest margin | 3.4134% | 3,726 |
| Noninterest income to average assets | 0.6524% | 2,195 |
| Noninterest expense to average assets | 2.2596% | 4,442 |
| Loan and lease loss provision to assets | 0.1637% | 1,220 |
| Net operating income to assets | 1.1320% | 1,846 |
| Return on assets (ROA) | 1.1320% | 1,896 |
| Pretax return on assets | 1.5208% | 1,566 |
| Return on Equity (ROE) | 14.0232% | 805 |
| Retained earnings to average equity (ytd only) | 11.4297% | 377 |
| Net charge-offs to loans | 0.0585% | 2,094 |
| Credit loss provision to net charge-offs | 432.0442% | 743 |
| Earnings coverage of net charge-offs (x) | 44.4530% | 1,170 |
| Efficiency ratio | 57.2907% | 4,676 |
| Assets per employee ($millions) | 6.8070% | 1,009 |
| Cash dividends to net income (ytd only)* | 18.4945% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7346% | 1,003 |
| Loan loss allowance to noncurrent loans | 302.7190% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.4530% | 3,298 |
| Noncurrent loans to loans | 0.5730% | 3,009 |
| Net loans and leases to total assets | 63.7012% | 3,434 |
| Net loans and leases to deposits | 72.4464% | 3,691 |
| Net loans and leases to core deposits | 73.9146% | 3,946 |
| Total domestic deposits to total assets | 87.9288% | 1,492 |
| Equity capital to assets | 8.1286% | 5,478 |
| Core capital (leverage) ratio | 8.4791% | 5,231 |
| Tier 1 risk-based capital ratio | 14.5245% | 3,153 |
| Total risk-based capital ratio | 15.7934% | 3,064 |
| Memoranda: | ||
| Average total assets | $955,313,000 | 782 |
| Average earning assets | $921,263,000 | 743 |
| Average equity | $77,115,000 | 1,052 |
| Average total loans | $618,334,330 | 854 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7433% | 3,958 |
| Cost of funding earning assets | 0.3454% | 3,581 |
| Net interest margin | 3.3979% | 3,656 |
| Noninterest income to average assets | 0.6364% | 2,240 |
| Noninterest expense to average assets | 2.2162% | 4,597 |
| Loan and lease loss provision to assets | 0.1455% | 1,286 |
| Net operating income to assets | 1.1514% | 1,661 |
| Return on assets (ROA) | 1.1514% | 1,697 |
| Pretax return on assets | 1.5510% | 1,375 |
| Return on Equity (ROE) | 14.3156% | 748 |
| Retained earnings to average equity (ytd only) | 14.3156% | 277 |
| Net charge-offs to loans | 0.0282% | 2,188 |
| Credit loss provision to net charge-offs | 797.6744% | 396 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 576 |
| Efficiency ratio | 56.6410% | 4,869 |
| Assets per employee ($millions) | 6.8817% | 1,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7358% | 1,082 |
| Loan loss allowance to noncurrent loans | 293.8065% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.4032% | 3,583 |
| Noncurrent loans to loans | 0.5908% | 3,041 |
| Net loans and leases to total assets | 63.4482% | 3,340 |
| Net loans and leases to deposits | 71.5867% | 3,645 |
| Net loans and leases to core deposits | 71.7971% | 4,002 |
| Total domestic deposits to total assets | 88.6313% | 1,354 |
| Equity capital to assets | 8.0980% | 5,471 |
| Core capital (leverage) ratio | 8.4637% | 5,252 |
| Tier 1 risk-based capital ratio | 14.8224% | 3,058 |
| Total risk-based capital ratio | 16.0917% | 2,976 |
| Memoranda: | ||
| Average total assets | $942,862,500 | 797 |
| Average earning assets | $909,137,500 | 756 |
| Average equity | $75,833,500 | 1,068 |
| Average total loans | $609,786,500 | 863 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7705% | 3,993 |
| Cost of funding earning assets | 0.3388% | 3,643 |
| Net interest margin | 3.4316% | 3,703 |
| Noninterest income to average assets | 0.6688% | 2,321 |
| Noninterest expense to average assets | 2.3063% | 4,543 |
| Loan and lease loss provision to assets | 0.2408% | 882 |
| Net operating income to assets | 1.0508% | 2,140 |
| Return on assets (ROA) | 1.0508% | 2,238 |
| Pretax return on assets | 1.4197% | 1,865 |
| Return on Equity (ROE) | 12.8490% | 1,027 |
| Retained earnings to average equity (ytd only) | 10.0204% | 403 |
| Net charge-offs to loans | 0.0514% | 3,013 |
| Credit loss provision to net charge-offs | 755.7971% | 481 |
| Earnings coverage of net charge-offs (x) | 52.1159% | 985 |
| Efficiency ratio | 58.1410% | 4,831 |
| Assets per employee ($millions) | 6.7331% | 1,038 |
| Cash dividends to net income (ytd only)* | 22.0147% | 3,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 1,080 |
| Loan loss allowance to noncurrent loans | 272.3021% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.4482% | 3,469 |
| Noncurrent loans to loans | 0.6358% | 2,949 |
| Net loans and leases to total assets | 63.6605% | 3,400 |
| Net loans and leases to deposits | 76.1026% | 3,305 |
| Net loans and leases to core deposits | 77.3444% | 3,616 |
| Total domestic deposits to total assets | 83.6509% | 3,554 |
| Equity capital to assets | 7.9862% | 5,569 |
| Core capital (leverage) ratio | 8.4689% | 5,290 |
| Tier 1 risk-based capital ratio | 14.2935% | 3,285 |
| Total risk-based capital ratio | 15.5605% | 3,207 |
| Memoranda: | ||
| Average total assets | $866,268,600 | 839 |
| Average earning assets | $832,521,800 | 793 |
| Average equity | $70,845,800 | 1,114 |
| Average total loans | $536,572,000 | 924 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7227% | 4,173 |
| Cost of funding earning assets | 0.3372% | 3,685 |
| Net interest margin | 3.3855% | 3,905 |
| Noninterest income to average assets | 0.6675% | 2,333 |
| Noninterest expense to average assets | 2.3305% | 4,455 |
| Loan and lease loss provision to assets | 0.2350% | 831 |
| Net operating income to assets | 1.0170% | 2,352 |
| Return on assets (ROA) | 1.0170% | 2,486 |
| Pretax return on assets | 1.3549% | 2,218 |
| Return on Equity (ROE) | 12.3567% | 1,214 |
| Retained earnings to average equity (ytd only) | 8.5476% | 962 |
| Net charge-offs to loans | 0.0343% | 2,947 |
| Credit loss provision to net charge-offs | 1,118.6567% | 369 |
| Earnings coverage of net charge-offs (x) | 75.6875% | 819 |
| Efficiency ratio | 59.4466% | 4,621 |
| Assets per employee ($millions) | 6.6504% | 1,020 |
| Cash dividends to net income (ytd only)* | 30.8261% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7840% | 1,039 |
| Loan loss allowance to noncurrent loans | 232.1080% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.5142% | 3,399 |
| Noncurrent loans to loans | 0.7686% | 2,749 |
| Net loans and leases to total assets | 61.6306% | 3,673 |
| Net loans and leases to deposits | 70.7955% | 3,908 |
| Net loans and leases to core deposits | 71.0221% | 4,247 |
| Total domestic deposits to total assets | 87.0545% | 1,866 |
| Equity capital to assets | 8.1004% | 5,704 |
| Core capital (leverage) ratio | 8.4856% | 5,368 |
| Tier 1 risk-based capital ratio | 14.7882% | 3,147 |
| Total risk-based capital ratio | 16.0566% | 3,076 |
| Memoranda: | ||
| Average total assets | $850,543,250 | 852 |
| Average earning assets | $817,229,750 | 814 |
| Average equity | $70,006,000 | 1,132 |
| Average total loans | $520,231,250 | 939 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7102% | 4,266 |
| Cost of funding earning assets | 0.3332% | 3,763 |
| Net interest margin | 3.3770% | 3,975 |
| Noninterest income to average assets | 0.6707% | 2,273 |
| Noninterest expense to average assets | 2.3830% | 4,394 |
| Loan and lease loss provision to assets | 0.2287% | 894 |
| Net operating income to assets | 0.9902% | 2,434 |
| Return on assets (ROA) | 0.9902% | 2,572 |
| Pretax return on assets | 1.3066% | 2,382 |
| Return on Equity (ROE) | 11.9632% | 1,340 |
| Retained earnings to average equity (ytd only) | 6.1895% | 2,021 |
| Net charge-offs to loans | 0.0327% | 2,798 |
| Credit loss provision to net charge-offs | 1,153.0120% | 333 |
| Earnings coverage of net charge-offs (x) | 77.4096% | 720 |
| Efficiency ratio | 60.8184% | 4,535 |
| Assets per employee ($millions) | 6.3265% | 1,182 |
| Cash dividends to net income (ytd only)* | 48.2625% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7815% | 1,105 |
| Loan loss allowance to noncurrent loans | 278.7247% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.4353% | 3,768 |
| Noncurrent loans to loans | 0.6391% | 3,158 |
| Net loans and leases to total assets | 60.3356% | 3,838 |
| Net loans and leases to deposits | 70.4922% | 3,938 |
| Net loans and leases to core deposits | 71.7322% | 4,201 |
| Total domestic deposits to total assets | 85.5918% | 2,612 |
| Equity capital to assets | 8.0745% | 5,779 |
| Core capital (leverage) ratio | 8.3643% | 5,480 |
| Tier 1 risk-based capital ratio | 15.0535% | 3,055 |
| Total risk-based capital ratio | 16.3217% | 2,981 |
| Memoranda: | ||
| Average total assets | $837,005,670 | 866 |
| Average earning assets | $804,905,670 | 824 |
| Average equity | $69,279,000 | 1,142 |
| Average total loans | $507,241,330 | 968 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7123% | 4,276 |
| Cost of funding earning assets | 0.3304% | 3,839 |
| Net interest margin | 3.3819% | 3,930 |
| Noninterest income to average assets | 0.6520% | 2,258 |
| Noninterest expense to average assets | 2.4030% | 4,361 |
| Loan and lease loss provision to assets | 0.2048% | 956 |
| Net operating income to assets | 0.9838% | 2,353 |
| Return on assets (ROA) | 0.9838% | 2,467 |
| Pretax return on assets | 1.2956% | 2,326 |
| Return on Equity (ROE) | 11.7342% | 1,390 |
| Retained earnings to average equity (ytd only) | 11.7342% | 542 |
| Net charge-offs to loans | 0.0356% | 2,265 |
| Credit loss provision to net charge-offs | 956.8182% | 382 |
| Earnings coverage of net charge-offs (x) | 70.0909% | 697 |
| Efficiency ratio | 61.5605% | 4,517 |
| Assets per employee ($millions) | 6.2001% | 1,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7892% | 1,174 |
| Loan loss allowance to noncurrent loans | 240.0000% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.4845% | 3,664 |
| Noncurrent loans to loans | 0.7455% | 2,970 |
| Net loans and leases to total assets | 58.0820% | 4,036 |
| Net loans and leases to deposits | 65.6264% | 4,291 |
| Net loans and leases to core deposits | 65.9193% | 4,540 |
| Total domestic deposits to total assets | 88.5040% | 1,354 |
| Equity capital to assets | 8.2529% | 5,716 |
| Core capital (leverage) ratio | 8.6418% | 5,247 |
| Tier 1 risk-based capital ratio | 15.9467% | 2,707 |
| Total risk-based capital ratio | 17.2156% | 2,642 |
| Memoranda: | ||
| Average total assets | $822,146,500 | 887 |
| Average earning assets | $790,448,500 | 846 |
| Average equity | $68,926,500 | 1,140 |
| Average total loans | $494,648,000 | 980 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8155% | 3,997 |
| Cost of funding earning assets | 0.3376% | 3,818 |
| Net interest margin | 3.4779% | 3,605 |
| Noninterest income to average assets | 0.7056% | 2,176 |
| Noninterest expense to average assets | 2.5454% | 4,084 |
| Loan and lease loss provision to assets | 0.2079% | 1,015 |
| Net operating income to assets | 0.9725% | 2,505 |
| Return on assets (ROA) | 0.9725% | 2,581 |
| Pretax return on assets | 1.2804% | 2,357 |
| Return on Equity (ROE) | 11.1645% | 1,557 |
| Retained earnings to average equity (ytd only) | 8.0921% | 888 |
| Net charge-offs to loans | 0.1626% | 1,743 |
| Credit loss provision to net charge-offs | 209.8383% | 1,343 |
| Earnings coverage of net charge-offs (x) | 15.0189% | 2,239 |
| Efficiency ratio | 63.1030% | 4,425 |
| Assets per employee ($millions) | 5.9320% | 1,433 |
| Cash dividends to net income (ytd only)* | 27.5199% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7683% | 1,198 |
| Loan loss allowance to noncurrent loans | 232.7297% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.5037% | 3,627 |
| Noncurrent loans to loans | 0.7598% | 2,901 |
| Net loans and leases to total assets | 60.1778% | 3,812 |
| Net loans and leases to deposits | 71.2722% | 3,792 |
| Net loans and leases to core deposits | 73.5475% | 3,987 |
| Total domestic deposits to total assets | 84.4337% | 3,316 |
| Equity capital to assets | 8.5235% | 5,549 |
| Core capital (leverage) ratio | 8.7904% | 5,123 |
| Tier 1 risk-based capital ratio | 16.0800% | 2,654 |
| Total risk-based capital ratio | 17.3483% | 2,592 |
| Memoranda: | ||
| Average total assets | $748,771,000 | 921 |
| Average earning assets | $716,527,600 | 890 |
| Average equity | $65,224,400 | 1,159 |
| Average total loans | $456,352,400 | 1,008 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8012% | 4,084 |
| Cost of funding earning assets | 0.3388% | 3,875 |
| Net interest margin | 3.4624% | 3,709 |
| Noninterest income to average assets | 0.7097% | 2,186 |
| Noninterest expense to average assets | 2.5776% | 3,956 |
| Loan and lease loss provision to assets | 0.2196% | 865 |
| Net operating income to assets | 0.9335% | 2,786 |
| Return on assets (ROA) | 0.9335% | 2,882 |
| Pretax return on assets | 1.2245% | 2,714 |
| Return on Equity (ROE) | 10.6552% | 1,841 |
| Retained earnings to average equity (ytd only) | 6.5269% | 1,942 |
| Net charge-offs to loans | 0.1616% | 1,533 |
| Credit loss provision to net charge-offs | 223.1618% | 1,229 |
| Earnings coverage of net charge-offs (x) | 14.6782% | 2,239 |
| Efficiency ratio | 64.0930% | 4,231 |
| Assets per employee ($millions) | 5.7649% | 1,536 |
| Cash dividends to net income (ytd only)* | 38.7447% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8045% | 1,254 |
| Loan loss allowance to noncurrent loans | 198.8724% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.6642% | 3,265 |
| Noncurrent loans to loans | 0.9074% | 2,704 |
| Net loans and leases to total assets | 60.0851% | 3,875 |
| Net loans and leases to deposits | 69.0647% | 4,086 |
| Net loans and leases to core deposits | 69.3848% | 4,427 |
| Total domestic deposits to total assets | 86.9984% | 2,041 |
| Equity capital to assets | 8.5676% | 5,665 |
| Core capital (leverage) ratio | 8.8760% | 5,149 |
| Tier 1 risk-based capital ratio | 15.9898% | 2,802 |
| Total risk-based capital ratio | 17.2579% | 2,738 |
| Memoranda: | ||
| Average total assets | $737,242,500 | 943 |
| Average earning assets | $705,231,000 | 905 |
| Average equity | $64,592,500 | 1,179 |
| Average total loans | $448,701,750 | 1,032 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7801% | 4,131 |
| Cost of funding earning assets | 0.3384% | 3,946 |
| Net interest margin | 3.4417% | 3,749 |
| Noninterest income to average assets | 0.7239% | 2,118 |
| Noninterest expense to average assets | 2.6436% | 3,761 |
| Loan and lease loss provision to assets | 0.2310% | 799 |
| Net operating income to assets | 0.8798% | 2,988 |
| Return on assets (ROA) | 0.8798% | 3,100 |
| Pretax return on assets | 1.1435% | 2,995 |
| Return on Equity (ROE) | 9.9648% | 2,087 |
| Retained earnings to average equity (ytd only) | 9.9648% | 672 |
| Net charge-offs to loans | 0.2236% | 1,148 |
| Credit loss provision to net charge-offs | 170.0405% | 1,408 |
| Earnings coverage of net charge-offs (x) | 10.1194% | 2,393 |
| Efficiency ratio | 65.7931% | 4,047 |
| Assets per employee ($millions) | 5.6735% | 1,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8025% | 1,366 |
| Loan loss allowance to noncurrent loans | 173.5294% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.7510% | 3,138 |
| Noncurrent loans to loans | 1.0387% | 2,568 |
| Net loans and leases to total assets | 60.1410% | 3,811 |
| Net loans and leases to deposits | 71.1546% | 3,805 |
| Net loans and leases to core deposits | 71.4747% | 4,184 |
| Total domestic deposits to total assets | 84.5216% | 3,335 |
| Equity capital to assets | 8.9063% | 5,335 |
| Core capital (leverage) ratio | 9.0902% | 4,836 |
| Tier 1 risk-based capital ratio | 16.5794% | 2,581 |
| Total risk-based capital ratio | 17.8474% | 2,523 |
| Memoranda: | ||
| Average total assets | $727,412,000 | 958 |
| Average earning assets | $696,233,000 | 924 |
| Average equity | $64,226,330 | 1,192 |
| Average total loans | $441,882,670 | 1,042 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7738% | 4,116 |
| Cost of funding earning assets | 0.3349% | 4,039 |
| Net interest margin | 3.4389% | 3,673 |
| Noninterest income to average assets | 0.6927% | 2,193 |
| Noninterest expense to average assets | 2.5988% | 3,927 |
| Loan and lease loss provision to assets | 0.2304% | 754 |
| Net operating income to assets | 0.8877% | 2,807 |
| Return on assets (ROA) | 0.8877% | 2,929 |
| Pretax return on assets | 1.1562% | 2,850 |
| Return on Equity (ROE) | 10.0984% | 1,960 |
| Retained earnings to average equity (ytd only) | 10.0984% | 900 |
| Net charge-offs to loans | 0.3552% | 689 |
| Credit loss provision to net charge-offs | 107.2165% | 1,536 |
| Earnings coverage of net charge-offs (x) | 6.4536% | 2,290 |
| Efficiency ratio | 65.2077% | 4,285 |
| Assets per employee ($millions) | 5.4708% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7651% | 1,575 |
| Loan loss allowance to noncurrent loans | 134.0415% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.9330% | 2,766 |
| Noncurrent loans to loans | 1.3168% | 2,182 |
| Net loans and leases to total assets | 59.3978% | 3,744 |
| Net loans and leases to deposits | 67.4030% | 4,011 |
| Net loans and leases to core deposits | 67.7295% | 4,356 |
| Total domestic deposits to total assets | 88.1233% | 1,746 |
| Equity capital to assets | 8.7918% | 5,506 |
| Core capital (leverage) ratio | 9.0914% | 4,857 |
| Tier 1 risk-based capital ratio | 16.9293% | 2,505 |
| Total risk-based capital ratio | 18.1975% | 2,450 |
| Memoranda: | ||
| Average total assets | $722,339,500 | 961 |
| Average earning assets | $691,609,500 | 927 |
| Average equity | $63,495,000 | 1,201 |
| Average total loans | $436,966,000 | 1,053 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7972% | 4,503 |
| Cost of funding earning assets | 0.3592% | 4,151 |
| Net interest margin | 3.4381% | 4,030 |
| Noninterest income to average assets | 0.7486% | 2,080 |
| Noninterest expense to average assets | 2.4529% | 4,696 |
| Loan and lease loss provision to assets | 0.2027% | 1,252 |
| Net operating income to assets | 1.0083% | 2,340 |
| Return on assets (ROA) | 1.0083% | 2,422 |
| Pretax return on assets | 1.3678% | 2,011 |
| Return on Equity (ROE) | 11.7553% | 1,477 |
| Retained earnings to average equity (ytd only) | 8.3579% | 889 |
| Net charge-offs to loans | 0.1879% | 2,170 |
| Credit loss provision to net charge-offs | 181.2744% | 1,340 |
| Earnings coverage of net charge-offs (x) | 14.0455% | 2,203 |
| Efficiency ratio | 60.9649% | 5,078 |
| Assets per employee ($millions) | 5.6475% | 1,655 |
| Cash dividends to net income (ytd only)* | 28.9011% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8102% | 1,513 |
| Loan loss allowance to noncurrent loans | 123.9822% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.9653% | 2,826 |
| Noncurrent loans to loans | 1.4601% | 2,012 |
| Net loans and leases to total assets | 59.4266% | 3,856 |
| Net loans and leases to deposits | 72.2420% | 3,653 |
| Net loans and leases to core deposits | 72.6652% | 4,064 |
| Total domestic deposits to total assets | 82.2604% | 4,324 |
| Equity capital to assets | 8.7885% | 5,500 |
| Core capital (leverage) ratio | 10.9687% | 2,436 |
| Tier 1 risk-based capital ratio | 16.5846% | 2,679 |
| Total risk-based capital ratio | 15.1876% | 4,072 |
| Memoranda: | ||
| Average total assets | $687,725,600 | 972 |
| Average earning assets | $655,079,400 | 942 |
| Average equity | $58,986,000 | 1,240 |
| Average total loans | $409,323,000 | 1,071 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7827% | 4,606 |
| Cost of funding earning assets | 0.3676% | 4,149 |
| Net interest margin | 3.4150% | 4,172 |
| Noninterest income to average assets | 0.7547% | 2,074 |
| Noninterest expense to average assets | 2.4780% | 4,601 |
| Loan and lease loss provision to assets | 0.2130% | 1,081 |
| Net operating income to assets | 0.9632% | 2,632 |
| Return on assets (ROA) | 0.9632% | 2,704 |
| Pretax return on assets | 1.3154% | 2,318 |
| Return on Equity (ROE) | 11.3025% | 1,685 |
| Retained earnings to average equity (ytd only) | 6.7126% | 1,976 |
| Net charge-offs to loans | 0.1782% | 2,024 |
| Credit loss provision to net charge-offs | 201.6667% | 1,254 |
| Earnings coverage of net charge-offs (x) | 14.4723% | 2,141 |
| Efficiency ratio | 61.8520% | 4,908 |
| Assets per employee ($millions) | 5.7794% | 1,503 |
| Cash dividends to net income (ytd only)* | 40.6092% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8616% | 1,545 |
| Loan loss allowance to noncurrent loans | 127.1200% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.9165% | 3,148 |
| Noncurrent loans to loans | 1.4644% | 2,223 |
| Net loans and leases to total assets | 58.1976% | 4,044 |
| Net loans and leases to deposits | 66.2602% | 4,300 |
| Net loans and leases to core deposits | 66.8150% | 4,626 |
| Total domestic deposits to total assets | 87.8318% | 1,848 |
| Equity capital to assets | 8.6308% | 5,695 |
| Core capital (leverage) ratio | 10.8895% | 2,589 |
| Tier 1 risk-based capital ratio | 16.6592% | 2,744 |
| Total risk-based capital ratio | 15.2609% | 4,145 |
| Memoranda: | ||
| Average total assets | $681,759,750 | 993 |
| Average earning assets | $649,155,250 | 958 |
| Average equity | $58,098,000 | 1,264 |
| Average total loans | $403,986,500 | 1,083 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7500% | 4,692 |
| Cost of funding earning assets | 0.3812% | 4,095 |
| Net interest margin | 3.3688% | 4,316 |
| Noninterest income to average assets | 0.7318% | 2,136 |
| Noninterest expense to average assets | 2.4935% | 4,595 |
| Loan and lease loss provision to assets | 0.2006% | 1,201 |
| Net operating income to assets | 0.9205% | 2,700 |
| Return on assets (ROA) | 0.9205% | 2,802 |
| Pretax return on assets | 1.2511% | 2,449 |
| Return on Equity (ROE) | 10.8501% | 1,791 |
| Retained earnings to average equity (ytd only) | 3.8748% | 3,715 |
| Net charge-offs to loans | 0.2148% | 1,737 |
| Credit loss provision to net charge-offs | 157.6744% | 1,413 |
| Earnings coverage of net charge-offs (x) | 11.4093% | 2,160 |
| Efficiency ratio | 63.2041% | 4,818 |
| Assets per employee ($millions) | 5.4378% | 1,754 |
| Cash dividends to net income (ytd only)* | 64.2880% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8234% | 1,783 |
| Loan loss allowance to noncurrent loans | 120.3602% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.9843% | 3,095 |
| Noncurrent loans to loans | 1.5150% | 2,301 |
| Net loans and leases to total assets | 59.2406% | 3,827 |
| Net loans and leases to deposits | 67.4028% | 4,121 |
| Net loans and leases to core deposits | 67.7932% | 4,490 |
| Total domestic deposits to total assets | 87.8903% | 1,969 |
| Equity capital to assets | 8.6638% | 5,647 |
| Core capital (leverage) ratio | 10.9268% | 2,501 |
| Tier 1 risk-based capital ratio | 16.8247% | 2,698 |
| Total risk-based capital ratio | 15.4333% | 4,072 |
| Memoranda: | ||
| Average total assets | $675,910,000 | 1,000 |
| Average earning assets | $644,746,670 | 962 |
| Average equity | $57,345,330 | 1,272 |
| Average total loans | $400,415,000 | 1,089 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7131% | 4,800 |
| Cost of funding earning assets | 0.3710% | 4,307 |
| Net interest margin | 3.3421% | 4,362 |
| Noninterest income to average assets | 0.6815% | 2,278 |
| Noninterest expense to average assets | 2.4749% | 4,700 |
| Loan and lease loss provision to assets | 0.1702% | 1,416 |
| Net operating income to assets | 0.9050% | 2,626 |
| Return on assets (ROA) | 0.9050% | 2,696 |
| Pretax return on assets | 1.2259% | 2,369 |
| Return on Equity (ROE) | 10.7801% | 1,768 |
| Retained earnings to average equity (ytd only) | -3.3023% | 5,995 |
| Net charge-offs to loans | 0.1188% | 2,011 |
| Credit loss provision to net charge-offs | 244.0678% | 919 |
| Earnings coverage of net charge-offs (x) | 20.0169% | 1,348 |
| Efficiency ratio | 63.9334% | 4,868 |
| Assets per employee ($millions) | 5.5606% | 1,654 |
| Cash dividends to net income (ytd only)* | 130.6336% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8352% | 1,944 |
| Loan loss allowance to noncurrent loans | 120.7401% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.9700% | 3,317 |
| Noncurrent loans to loans | 1.5200% | 2,520 |
| Net loans and leases to total assets | 56.0445% | 4,139 |
| Net loans and leases to deposits | 62.8672% | 4,450 |
| Net loans and leases to core deposits | 63.2737% | 4,755 |
| Total domestic deposits to total assets | 89.1475% | 1,558 |
| Equity capital to assets | 8.0860% | 5,987 |
| Core capital (leverage) ratio | 9.8393% | 3,807 |
| Tier 1 risk-based capital ratio | 17.4153% | 2,509 |
| Total risk-based capital ratio | 16.0099% | 3,794 |
| Memoranda: | ||
| Average total assets | $676,721,000 | 1,005 |
| Average earning assets | $645,815,000 | 965 |
| Average equity | $56,808,500 | 1,282 |
| Average total loans | $397,187,000 | 1,106 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8766% | 4,550 |
| Cost of funding earning assets | 0.4083% | 4,557 |
| Net interest margin | 3.4682% | 4,032 |
| Noninterest income to average assets | 0.7753% | 2,184 |
| Noninterest expense to average assets | 2.4085% | 5,048 |
| Loan and lease loss provision to assets | 0.2460% | 1,469 |
| Net operating income to assets | 1.0197% | 2,250 |
| Return on assets (ROA) | 1.0197% | 2,309 |
| Pretax return on assets | 1.4230% | 1,708 |
| Return on Equity (ROE) | 12.0696% | 1,396 |
| Retained earnings to average equity (ytd only) | 12.0622% | 313 |
| Net charge-offs to loans | 0.3169% | 2,105 |
| Credit loss provision to net charge-offs | 134.6383% | 1,745 |
| Earnings coverage of net charge-offs (x) | 9.1336% | 2,552 |
| Efficiency ratio | 59.0679% | 5,595 |
| Assets per employee ($millions) | 5.2645% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0610% | 4,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8184% | 2,011 |
| Loan loss allowance to noncurrent loans | 114.6993% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 1.0496% | 3,316 |
| Noncurrent loans to loans | 1.5853% | 2,522 |
| Net loans and leases to total assets | 59.3123% | 3,826 |
| Net loans and leases to deposits | 70.2674% | 3,754 |
| Net loans and leases to core deposits | 70.7497% | 4,216 |
| Total domestic deposits to total assets | 84.4093% | 4,012 |
| Equity capital to assets | 8.7259% | 5,337 |
| Core capital (leverage) ratio | 11.0147% | 2,372 |
| Tier 1 risk-based capital ratio | 16.9282% | 2,641 |
| Total risk-based capital ratio | 15.6478% | 3,963 |
| Memoranda: | ||
| Average total assets | $643,009,600 | 1,042 |
| Average earning assets | $612,239,800 | 997 |
| Average equity | $54,326,600 | 1,313 |
| Average total loans | $370,837,400 | 1,150 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8811% | 4,572 |
| Cost of funding earning assets | 0.4194% | 4,628 |
| Net interest margin | 3.4617% | 4,049 |
| Noninterest income to average assets | 0.7699% | 2,282 |
| Noninterest expense to average assets | 2.4549% | 4,863 |
| Loan and lease loss provision to assets | 0.2233% | 1,625 |
| Net operating income to assets | 0.9935% | 2,402 |
| Return on assets (ROA) | 0.9935% | 2,494 |
| Pretax return on assets | 1.3873% | 1,971 |
| Return on Equity (ROE) | 11.8579% | 1,520 |
| Retained earnings to average equity (ytd only) | 11.8579% | 438 |
| Net charge-offs to loans | 0.2956% | 2,057 |
| Credit loss provision to net charge-offs | 132.6329% | 1,780 |
| Earnings coverage of net charge-offs (x) | 9.5649% | 2,468 |
| Efficiency ratio | 60.3830% | 5,373 |
| Assets per employee ($millions) | 5.2528% | 1,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8423% | 2,169 |
| Loan loss allowance to noncurrent loans | 88.1033% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.2548% | 3,127 |
| Noncurrent loans to loans | 2.0911% | 2,141 |
| Net loans and leases to total assets | 57.4887% | 4,091 |
| Net loans and leases to deposits | 64.1968% | 4,498 |
| Net loans and leases to core deposits | 64.6427% | 4,829 |
| Total domestic deposits to total assets | 89.5508% | 1,264 |
| Equity capital to assets | 8.4847% | 5,750 |
| Core capital (leverage) ratio | 10.7005% | 2,791 |
| Tier 1 risk-based capital ratio | 16.8105% | 2,802 |
| Total risk-based capital ratio | 15.5445% | 4,162 |
| Memoranda: | ||
| Average total assets | $640,561,750 | 1,054 |
| Average earning assets | $609,814,750 | 1,011 |
| Average equity | $53,667,500 | 1,335 |
| Average total loans | $364,956,250 | 1,176 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9106% | 4,436 |
| Cost of funding earning assets | 0.4407% | 4,533 |
| Net interest margin | 3.4699% | 3,927 |
| Noninterest income to average assets | 0.7482% | 2,423 |
| Noninterest expense to average assets | 2.5172% | 4,664 |
| Loan and lease loss provision to assets | 0.2389% | 1,554 |
| Net operating income to assets | 0.9366% | 2,634 |
| Return on assets (ROA) | 0.9366% | 2,773 |
| Pretax return on assets | 1.3046% | 2,286 |
| Return on Equity (ROE) | 11.2280% | 1,739 |
| Retained earnings to average equity (ytd only) | 11.2280% | 607 |
| Net charge-offs to loans | 0.2699% | 2,128 |
| Credit loss provision to net charge-offs | 156.9072% | 1,475 |
| Earnings coverage of net charge-offs (x) | 10.1361% | 2,186 |
| Efficiency ratio | 61.9887% | 5,176 |
| Assets per employee ($millions) | 5.1172% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9201% | 2,055 |
| Loan loss allowance to noncurrent loans | 102.2513% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 1.1317% | 3,477 |
| Noncurrent loans to loans | 1.8778% | 2,522 |
| Net loans and leases to total assets | 56.6721% | 4,182 |
| Net loans and leases to deposits | 64.0378% | 4,498 |
| Net loans and leases to core deposits | 64.5006% | 4,842 |
| Total domestic deposits to total assets | 88.4980% | 1,914 |
| Equity capital to assets | 8.5162% | 5,749 |
| Core capital (leverage) ratio | 10.7992% | 2,564 |
| Tier 1 risk-based capital ratio | 16.9077% | 2,744 |
| Total risk-based capital ratio | 15.6261% | 4,132 |
| Memoranda: | ||
| Average total assets | $636,966,000 | 1,057 |
| Average earning assets | $608,084,330 | 1,014 |
| Average equity | $53,135,000 | 1,352 |
| Average total loans | $359,448,330 | 1,186 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9506% | 4,296 |
| Cost of funding earning assets | 0.4475% | 4,624 |
| Net interest margin | 3.5031% | 3,682 |
| Noninterest income to average assets | 0.6976% | 2,599 |
| Noninterest expense to average assets | 2.4576% | 4,925 |
| Loan and lease loss provision to assets | 0.2075% | 1,790 |
| Net operating income to assets | 0.9784% | 2,329 |
| Return on assets (ROA) | 0.9784% | 2,457 |
| Pretax return on assets | 1.3739% | 1,950 |
| Return on Equity (ROE) | 11.8519% | 1,463 |
| Retained earnings to average equity (ytd only) | 11.8519% | 723 |
| Net charge-offs to loans | 0.1945% | 2,247 |
| Credit loss provision to net charge-offs | 191.3295% | 1,128 |
| Earnings coverage of net charge-offs (x) | 14.5838% | 1,448 |
| Efficiency ratio | 60.8473% | 5,468 |
| Assets per employee ($millions) | 5.2077% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9377% | 2,204 |
| Loan loss allowance to noncurrent loans | 98.3099% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.1485% | 3,646 |
| Noncurrent loans to loans | 1.9710% | 2,650 |
| Net loans and leases to total assets | 53.8151% | 4,445 |
| Net loans and leases to deposits | 59.3810% | 4,865 |
| Net loans and leases to core deposits | 59.8403% | 5,162 |
| Total domestic deposits to total assets | 90.6268% | 704 |
| Equity capital to assets | 8.2074% | 6,241 |
| Core capital (leverage) ratio | 10.2025% | 3,144 |
| Tier 1 risk-based capital ratio | 17.3650% | 2,618 |
| Total risk-based capital ratio | 16.0462% | 3,940 |
| Memoranda: | ||
| Average total assets | $638,182,000 | 1,070 |
| Average earning assets | $608,713,500 | 1,022 |
| Average equity | $52,683,500 | 1,378 |
| Average total loans | $355,850,500 | 1,198 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3415% | 4,051 |
| Cost of funding earning assets | 0.5557% | 4,765 |
| Net interest margin | 3.7858% | 3,288 |
| Noninterest income to average assets | 0.8368% | 2,099 |
| Noninterest expense to average assets | 2.5711% | 4,853 |
| Loan and lease loss provision to assets | 0.3166% | 2,159 |
| Net operating income to assets | 1.0881% | 1,980 |
| Return on assets (ROA) | 1.0863% | 2,173 |
| Pretax return on assets | 1.5365% | 1,571 |
| Return on Equity (ROE) | 12.8451% | 1,272 |
| Retained earnings to average equity (ytd only) | 6.8403% | 1,650 |
| Net charge-offs to loans | 0.2179% | 3,646 |
| Credit loss provision to net charge-offs | 257.9890% | 930 |
| Earnings coverage of net charge-offs (x) | 15.1198% | 1,676 |
| Efficiency ratio | 58.0807% | 5,817 |
| Assets per employee ($millions) | 5.0032% | 2,226 |
| Cash dividends to net income (ytd only)* | 46.7476% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9082% | 2,273 |
| Loan loss allowance to noncurrent loans | 95.6042% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 1.1537% | 3,733 |
| Noncurrent loans to loans | 1.9960% | 2,703 |
| Net loans and leases to total assets | 55.5961% | 4,365 |
| Net loans and leases to deposits | 63.2933% | 4,629 |
| Net loans and leases to core deposits | 63.7890% | 4,980 |
| Total domestic deposits to total assets | 87.8389% | 2,323 |
| Equity capital to assets | 8.3050% | 6,196 |
| Core capital (leverage) ratio | 10.3808% | 2,912 |
| Tier 1 risk-based capital ratio | 16.6106% | 2,837 |
| Total risk-based capital ratio | 15.4057% | 4,230 |
| Memoranda: | ||
| Average total assets | $591,532,600 | 1,121 |
| Average earning assets | $560,940,000 | 1,084 |
| Average equity | $50,026,800 | 1,422 |
| Average total loans | $333,137,200 | 1,264 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3922% | 4,087 |
| Cost of funding earning assets | 0.5745% | 4,873 |
| Net interest margin | 3.8177% | 3,255 |
| Noninterest income to average assets | 0.8628% | 1,973 |
| Noninterest expense to average assets | 2.6487% | 4,566 |
| Loan and lease loss provision to assets | 0.3044% | 2,171 |
| Net operating income to assets | 1.0793% | 2,172 |
| Return on assets (ROA) | 1.0754% | 2,388 |
| Pretax return on assets | 1.5220% | 1,800 |
| Return on Equity (ROE) | 12.6553% | 1,422 |
| Retained earnings to average equity (ytd only) | 4.5826% | 3,679 |
| Net charge-offs to loans | 0.1676% | 3,776 |
| Credit loss provision to net charge-offs | 323.0583% | 828 |
| Earnings coverage of net charge-offs (x) | 19.4442% | 1,497 |
| Efficiency ratio | 59.1150% | 5,643 |
| Assets per employee ($millions) | 4.9739% | 2,220 |
| Cash dividends to net income (ytd only)* | 63.7891% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9069% | 2,447 |
| Loan loss allowance to noncurrent loans | 94.8897% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 1.1777% | 3,939 |
| Noncurrent loans to loans | 2.0096% | 2,837 |
| Net loans and leases to total assets | 55.8660% | 4,477 |
| Net loans and leases to deposits | 62.1955% | 4,951 |
| Net loans and leases to core deposits | 62.6646% | 5,296 |
| Total domestic deposits to total assets | 89.8233% | 941 |
| Equity capital to assets | 8.3756% | 6,368 |
| Core capital (leverage) ratio | 10.1652% | 3,330 |
| Tier 1 risk-based capital ratio | 16.5561% | 2,965 |
| Total risk-based capital ratio | 15.3654% | 4,407 |
| Memoranda: | ||
| Average total assets | $583,064,500 | 1,152 |
| Average earning assets | $552,542,000 | 1,111 |
| Average equity | $49,548,500 | 1,442 |
| Average total loans | $327,805,250 | 1,298 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4088% | 4,151 |
| Cost of funding earning assets | 0.6011% | 4,890 |
| Net interest margin | 3.8077% | 3,323 |
| Noninterest income to average assets | 0.8616% | 1,923 |
| Noninterest expense to average assets | 2.7437% | 4,238 |
| Loan and lease loss provision to assets | 0.3079% | 2,145 |
| Net operating income to assets | 1.0128% | 2,411 |
| Return on assets (ROA) | 1.0069% | 2,650 |
| Pretax return on assets | 1.4102% | 2,166 |
| Return on Equity (ROE) | 11.7900% | 1,730 |
| Retained earnings to average equity (ytd only) | -0.3898% | 6,104 |
| Net charge-offs to loans | 0.2032% | 3,359 |
| Credit loss provision to net charge-offs | 270.7317% | 1,069 |
| Earnings coverage of net charge-offs (x) | 15.1799% | 1,660 |
| Efficiency ratio | 61.3791% | 5,354 |
| Assets per employee ($millions) | 4.8529% | 2,356 |
| Cash dividends to net income (ytd only)* | 103.3058% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8548% | 2,692 |
| Loan loss allowance to noncurrent loans | 88.0416% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 1.2289% | 3,956 |
| Noncurrent loans to loans | 2.1067% | 2,815 |
| Net loans and leases to total assets | 55.2059% | 4,596 |
| Net loans and leases to deposits | 63.1417% | 4,861 |
| Net loans and leases to core deposits | 63.6507% | 5,242 |
| Total domestic deposits to total assets | 87.4318% | 2,515 |
| Equity capital to assets | 8.1850% | 6,467 |
| Core capital (leverage) ratio | 9.9562% | 3,477 |
| Tier 1 risk-based capital ratio | 17.0873% | 2,632 |
| Total risk-based capital ratio | 15.8957% | 3,966 |
| Memoranda: | ||
| Average total assets | $576,804,330 | 1,168 |
| Average earning assets | $546,635,330 | 1,118 |
| Average equity | $49,262,000 | 1,443 |
| Average total loans | $322,819,330 | 1,320 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4781% | 4,010 |
| Cost of funding earning assets | 0.6209% | 4,959 |
| Net interest margin | 3.8572% | 3,108 |
| Noninterest income to average assets | 0.8166% | 2,077 |
| Noninterest expense to average assets | 2.6059% | 4,798 |
| Loan and lease loss provision to assets | 0.3802% | 1,660 |
| Net operating income to assets | 1.0675% | 2,220 |
| Return on assets (ROA) | 1.0675% | 2,414 |
| Pretax return on assets | 1.4849% | 1,912 |
| Return on Equity (ROE) | 12.2345% | 1,606 |
| Retained earnings to average equity (ytd only) | 12.2345% | 794 |
| Net charge-offs to loans | 0.2405% | 2,731 |
| Credit loss provision to net charge-offs | 283.2461% | 1,034 |
| Earnings coverage of net charge-offs (x) | 13.8953% | 1,502 |
| Efficiency ratio | 58.2836% | 5,876 |
| Assets per employee ($millions) | 4.9051% | 2,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8752% | 2,751 |
| Loan loss allowance to noncurrent loans | 87.3262% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 1.2514% | 4,046 |
| Noncurrent loans to loans | 2.1474% | 2,970 |
| Net loans and leases to total assets | 53.9456% | 4,731 |
| Net loans and leases to deposits | 60.4855% | 5,097 |
| Net loans and leases to core deposits | 60.9348% | 5,439 |
| Total domestic deposits to total assets | 89.1877% | 1,571 |
| Equity capital to assets | 8.6929% | 5,879 |
| Core capital (leverage) ratio | 9.9367% | 3,447 |
| Tier 1 risk-based capital ratio | 16.2390% | 3,051 |
| Total risk-based capital ratio | 14.7367% | 4,829 |
| Memoranda: | ||
| Average total assets | $569,178,500 | 1,184 |
| Average earning assets | $539,248,500 | 1,132 |
| Average equity | $49,663,000 | 1,418 |
| Average total loans | $317,715,500 | 1,334 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7511% | 4,025 |
| Cost of funding earning assets | 0.7854% | 4,970 |
| Net interest margin | 3.9658% | 3,036 |
| Noninterest income to average assets | 0.8096% | 2,006 |
| Noninterest expense to average assets | 2.6836% | 4,807 |
| Loan and lease loss provision to assets | 0.3064% | 3,218 |
| Net operating income to assets | 1.0493% | 2,008 |
| Return on assets (ROA) | 1.0530% | 2,134 |
| Pretax return on assets | 1.5712% | 1,273 |
| Return on Equity (ROE) | 12.4683% | 1,286 |
| Retained earnings to average equity (ytd only) | 9.2443% | 737 |
| Net charge-offs to loans | 0.1297% | 5,107 |
| Credit loss provision to net charge-offs | 423.0576% | 540 |
| Earnings coverage of net charge-offs (x) | 25.8496% | 961 |
| Efficiency ratio | 58.9051% | 5,913 |
| Assets per employee ($millions) | 4.7420% | 2,528 |
| Cash dividends to net income (ytd only)* | 25.8576% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7152% | 3,143 |
| Loan loss allowance to noncurrent loans | 75.3914% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 1.3543% | 3,976 |
| Noncurrent loans to loans | 2.2750% | 2,876 |
| Net loans and leases to total assets | 55.7201% | 4,758 |
| Net loans and leases to deposits | 62.9114% | 5,130 |
| Net loans and leases to core deposits | 63.5399% | 5,518 |
| Total domestic deposits to total assets | 88.5691% | 1,809 |
| Equity capital to assets | 8.7589% | 5,841 |
| Core capital (leverage) ratio | 8.6789% | 5,284 |
| Tier 1 risk-based capital ratio | 16.2956% | 2,909 |
| Total risk-based capital ratio | 17.5529% | 2,875 |
| Memoranda: | ||
| Average total assets | $550,907,000 | 1,197 |
| Average earning assets | $520,400,600 | 1,148 |
| Average equity | $46,526,000 | 1,466 |
| Average total loans | $307,622,200 | 1,384 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7689% | 4,147 |
| Cost of funding earning assets | 0.8114% | 5,076 |
| Net interest margin | 3.9575% | 3,118 |
| Noninterest income to average assets | 0.8057% | 2,030 |
| Noninterest expense to average assets | 2.6997% | 4,724 |
| Loan and lease loss provision to assets | 0.3076% | 3,067 |
| Net operating income to assets | 1.0248% | 2,235 |
| Return on assets (ROA) | 1.0297% | 2,375 |
| Pretax return on assets | 1.5421% | 1,542 |
| Return on Equity (ROE) | 12.3092% | 1,464 |
| Retained earnings to average equity (ytd only) | 7.9525% | 1,524 |
| Net charge-offs to loans | 0.0856% | 5,114 |
| Credit loss provision to net charge-offs | 645.9184% | 419 |
| Earnings coverage of net charge-offs (x) | 38.6883% | 789 |
| Efficiency ratio | 59.4362% | 5,803 |
| Assets per employee ($millions) | 4.7993% | 2,474 |
| Cash dividends to net income (ytd only)* | 35.3940% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7055% | 3,248 |
| Loan loss allowance to noncurrent loans | 73.4868% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 1.3465% | 4,122 |
| Noncurrent loans to loans | 2.3208% | 2,982 |
| Net loans and leases to total assets | 55.1791% | 4,974 |
| Net loans and leases to deposits | 62.1449% | 5,386 |
| Net loans and leases to core deposits | 62.7653% | 5,740 |
| Total domestic deposits to total assets | 88.7910% | 1,553 |
| Equity capital to assets | 8.5432% | 6,254 |
| Core capital (leverage) ratio | 8.4444% | 5,784 |
| Tier 1 risk-based capital ratio | 15.9780% | 3,129 |
| Total risk-based capital ratio | 17.2349% | 3,085 |
| Memoranda: | ||
| Average total assets | $548,745,250 | 1,212 |
| Average earning assets | $518,090,500 | 1,168 |
| Average equity | $45,904,750 | 1,483 |
| Average total loans | $305,221,500 | 1,406 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7578% | 4,258 |
| Cost of funding earning assets | 0.8321% | 5,184 |
| Net interest margin | 3.9257% | 3,187 |
| Noninterest income to average assets | 0.8098% | 1,972 |
| Noninterest expense to average assets | 2.7647% | 4,568 |
| Loan and lease loss provision to assets | 0.2901% | 3,068 |
| Net operating income to assets | 0.9791% | 2,314 |
| Return on assets (ROA) | 0.9837% | 2,392 |
| Pretax return on assets | 1.4734% | 1,607 |
| Return on Equity (ROE) | 11.8449% | 1,541 |
| Retained earnings to average equity (ytd only) | 5.2301% | 2,857 |
| Net charge-offs to loans | 0.0859% | 4,786 |
| Credit loss provision to net charge-offs | 609.2308% | 510 |
| Earnings coverage of net charge-offs (x) | 36.8923% | 787 |
| Efficiency ratio | 61.1503% | 5,706 |
| Assets per employee ($millions) | 4.4882% | 2,856 |
| Cash dividends to net income (ytd only)* | 55.8451% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6162% | 3,636 |
| Loan loss allowance to noncurrent loans | 78.5987% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 1.2304% | 4,437 |
| Noncurrent loans to loans | 2.0562% | 3,400 |
| Net loans and leases to total assets | 54.9988% | 5,148 |
| Net loans and leases to deposits | 63.7829% | 5,302 |
| Net loans and leases to core deposits | 64.4802% | 5,673 |
| Total domestic deposits to total assets | 86.2281% | 3,200 |
| Equity capital to assets | 8.3622% | 6,349 |
| Core capital (leverage) ratio | 8.2963% | 5,877 |
| Tier 1 risk-based capital ratio | 15.7749% | 3,092 |
| Total risk-based capital ratio | 17.0308% | 3,069 |
| Memoranda: | ||
| Average total assets | $546,089,330 | 1,227 |
| Average earning assets | $516,292,000 | 1,181 |
| Average equity | $45,352,670 | 1,486 |
| Average total loans | $302,789,000 | 1,427 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6833% | 4,593 |
| Cost of funding earning assets | 0.8340% | 5,373 |
| Net interest margin | 3.8492% | 3,377 |
| Noninterest income to average assets | 0.7657% | 2,187 |
| Noninterest expense to average assets | 2.7784% | 4,535 |
| Loan and lease loss provision to assets | 0.2516% | 3,140 |
| Net operating income to assets | 0.9248% | 2,460 |
| Return on assets (ROA) | 0.9352% | 2,486 |
| Pretax return on assets | 1.3936% | 1,743 |
| Return on Equity (ROE) | 11.2994% | 1,644 |
| Retained earnings to average equity (ytd only) | 11.2994% | 838 |
| Net charge-offs to loans | 0.1302% | 3,734 |
| Credit loss provision to net charge-offs | 350.0000% | 933 |
| Earnings coverage of net charge-offs (x) | 22.6735% | 1,045 |
| Efficiency ratio | 63.0283% | 5,523 |
| Assets per employee ($millions) | 4.5901% | 2,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5864% | 3,786 |
| Loan loss allowance to noncurrent loans | 75.3504% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 1.2343% | 4,485 |
| Noncurrent loans to loans | 2.1054% | 3,438 |
| Net loans and leases to total assets | 52.9960% | 5,451 |
| Net loans and leases to deposits | 59.4092% | 5,777 |
| Net loans and leases to core deposits | 60.0825% | 6,090 |
| Total domestic deposits to total assets | 89.2049% | 1,644 |
| Equity capital to assets | 8.1496% | 6,343 |
| Core capital (leverage) ratio | 8.1205% | 6,095 |
| Tier 1 risk-based capital ratio | 15.8335% | 2,981 |
| Total risk-based capital ratio | 17.0888% | 2,947 |
| Memoranda: | ||
| Average total assets | $545,356,000 | 1,235 |
| Average earning assets | $516,050,000 | 1,189 |
| Average equity | $45,135,000 | 1,487 |
| Average total loans | $301,135,500 | 1,454 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1055% | 4,074 |
| Cost of funding earning assets | 1.0467% | 5,447 |
| Net interest margin | 4.0588% | 2,758 |
| Noninterest income to average assets | 0.8488% | 2,060 |
| Noninterest expense to average assets | 2.7962% | 4,624 |
| Loan and lease loss provision to assets | 0.2859% | 4,513 |
| Net operating income to assets | 1.0374% | 1,919 |
| Return on assets (ROA) | 1.0654% | 1,911 |
| Pretax return on assets | 1.6040% | 1,119 |
| Return on Equity (ROE) | 12.5630% | 1,205 |
| Retained earnings to average equity (ytd only) | 12.5630% | 238 |
| Net charge-offs to loans | 0.1234% | 5,656 |
| Credit loss provision to net charge-offs | 390.9836% | 631 |
| Earnings coverage of net charge-offs (x) | 25.2678% | 840 |
| Efficiency ratio | 60.2151% | 6,014 |
| Assets per employee ($millions) | 4.4977% | 2,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5280% | 3,869 |
| Loan loss allowance to noncurrent loans | 77.0844% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.1609% | 4,692 |
| Noncurrent loans to loans | 1.9823% | 3,594 |
| Net loans and leases to total assets | 55.7957% | 5,373 |
| Net loans and leases to deposits | 63.4715% | 5,687 |
| Net loans and leases to core deposits | 64.2797% | 6,027 |
| Total domestic deposits to total assets | 87.9067% | 2,305 |
| Equity capital to assets | 8.4098% | 5,981 |
| Core capital (leverage) ratio | 8.3356% | 5,634 |
| Tier 1 risk-based capital ratio | 15.7247% | 2,877 |
| Total risk-based capital ratio | 16.9796% | 2,840 |
| Memoranda: | ||
| Average total assets | $500,571,800 | 1,341 |
| Average earning assets | $468,022,400 | 1,310 |
| Average equity | $42,450,000 | 1,564 |
| Average total loans | $296,550,200 | 1,512 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1619% | 4,025 |
| Cost of funding earning assets | 1.0829% | 5,534 |
| Net interest margin | 4.0790% | 2,716 |
| Noninterest income to average assets | 0.8486% | 2,002 |
| Noninterest expense to average assets | 2.7930% | 4,517 |
| Loan and lease loss provision to assets | 0.2564% | 4,533 |
| Net operating income to assets | 1.0609% | 2,035 |
| Return on assets (ROA) | 1.0609% | 2,144 |
| Pretax return on assets | 1.5999% | 1,345 |
| Return on Equity (ROE) | 12.4821% | 1,391 |
| Retained earnings to average equity (ytd only) | 12.4821% | 405 |
| Net charge-offs to loans | 0.0970% | 5,558 |
| Credit loss provision to net charge-offs | 440.9302% | 684 |
| Earnings coverage of net charge-offs (x) | 31.9255% | 842 |
| Efficiency ratio | 60.0745% | 5,939 |
| Assets per employee ($millions) | 4.4403% | 3,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4154% | 4,368 |
| Loan loss allowance to noncurrent loans | 86.2041% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.9817% | 5,123 |
| Noncurrent loans to loans | 1.6419% | 4,184 |
| Net loans and leases to total assets | 56.6700% | 5,459 |
| Net loans and leases to deposits | 64.4781% | 5,853 |
| Net loans and leases to core deposits | 65.1998% | 6,192 |
| Total domestic deposits to total assets | 87.8903% | 2,023 |
| Equity capital to assets | 8.3481% | 6,453 |
| Core capital (leverage) ratio | 8.1269% | 6,154 |
| Tier 1 risk-based capital ratio | 15.3932% | 3,048 |
| Total risk-based capital ratio | 16.6467% | 3,012 |
| Memoranda: | ||
| Average total assets | $493,033,750 | 1,377 |
| Average earning assets | $459,384,250 | 1,345 |
| Average equity | $41,904,250 | 1,579 |
| Average total loans | $295,508,750 | 1,533 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2531% | 3,697 |
| Cost of funding earning assets | 1.1424% | 5,449 |
| Net interest margin | 4.1108% | 2,506 |
| Noninterest income to average assets | 0.8682% | 1,810 |
| Noninterest expense to average assets | 2.8472% | 4,274 |
| Loan and lease loss provision to assets | 0.2473% | 4,453 |
| Net operating income to assets | 1.0585% | 1,989 |
| Return on assets (ROA) | 1.0585% | 2,059 |
| Pretax return on assets | 1.5992% | 1,303 |
| Return on Equity (ROE) | 12.3735% | 1,369 |
| Retained earnings to average equity (ytd only) | 12.3735% | 442 |
| Net charge-offs to loans | 0.1394% | 4,834 |
| Credit loss provision to net charge-offs | 291.6667% | 1,272 |
| Earnings coverage of net charge-offs (x) | 21.7794% | 1,162 |
| Efficiency ratio | 60.6605% | 5,926 |
| Assets per employee ($millions) | 4.3334% | 3,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3304% | 4,767 |
| Loan loss allowance to noncurrent loans | 101.6322% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.7937% | 5,525 |
| Noncurrent loans to loans | 1.3090% | 4,764 |
| Net loans and leases to total assets | 59.8268% | 5,093 |
| Net loans and leases to deposits | 69.9407% | 5,286 |
| Net loans and leases to core deposits | 70.8686% | 5,787 |
| Total domestic deposits to total assets | 85.5393% | 3,353 |
| Equity capital to assets | 8.5867% | 6,040 |
| Core capital (leverage) ratio | 8.3889% | 5,599 |
| Tier 1 risk-based capital ratio | 15.2765% | 3,022 |
| Total risk-based capital ratio | 16.5294% | 2,980 |
| Memoranda: | ||
| Average total assets | $481,247,000 | 1,423 |
| Average earning assets | $447,847,000 | 1,387 |
| Average equity | $41,168,670 | 1,604 |
| Average total loans | $292,765,000 | 1,559 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3952% | 3,056 |
| Cost of funding earning assets | 1.1642% | 5,580 |
| Net interest margin | 4.2311% | 1,922 |
| Noninterest income to average assets | 0.8769% | 1,712 |
| Noninterest expense to average assets | 2.9423% | 3,903 |
| Loan and lease loss provision to assets | 0.2586% | 3,968 |
| Net operating income to assets | 1.0588% | 1,972 |
| Return on assets (ROA) | 1.0588% | 2,041 |
| Pretax return on assets | 1.5946% | 1,276 |
| Return on Equity (ROE) | 12.4015% | 1,389 |
| Retained earnings to average equity (ytd only) | 12.4015% | 697 |
| Net charge-offs to loans | 0.1216% | 4,240 |
| Credit loss provision to net charge-offs | 348.8636% | 1,160 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 992 |
| Efficiency ratio | 61.3561% | 5,936 |
| Assets per employee ($millions) | 4.0844% | 3,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 4,874 |
| Loan loss allowance to noncurrent loans | 121.8999% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.6700% | 5,842 |
| Noncurrent loans to loans | 1.0750% | 5,200 |
| Net loans and leases to total assets | 60.2626% | 5,078 |
| Net loans and leases to deposits | 68.9944% | 5,471 |
| Net loans and leases to core deposits | 69.8735% | 5,931 |
| Total domestic deposits to total assets | 87.3442% | 2,436 |
| Equity capital to assets | 8.6056% | 5,863 |
| Core capital (leverage) ratio | 8.3971% | 5,568 |
| Tier 1 risk-based capital ratio | 15.2191% | 2,997 |
| Total risk-based capital ratio | 16.4717% | 2,955 |
| Memoranda: | ||
| Average total assets | $474,866,500 | 1,475 |
| Average earning assets | $439,794,500 | 1,448 |
| Average equity | $40,543,500 | 1,648 |
| Average total loans | $289,380,500 | 1,624 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2853% | 5,256 |
| Cost of funding earning assets | 1.4120% | 5,882 |
| Net interest margin | 3.8734% | 3,382 |
| Noninterest income to average assets | 1.3391% | 835 |
| Noninterest expense to average assets | 2.9355% | 4,407 |
| Loan and lease loss provision to assets | 0.4529% | 4,111 |
| Net operating income to assets | 1.0501% | 1,667 |
| Return on assets (ROA) | 1.0489% | 1,712 |
| Pretax return on assets | 1.5866% | 990 |
| Return on Equity (ROE) | 12.9934% | 959 |
| Retained earnings to average equity (ytd only) | 12.9934% | 154 |
| Net charge-offs to loans | 0.1584% | 5,690 |
| Credit loss provision to net charge-offs | 479.7235% | 637 |
| Earnings coverage of net charge-offs (x) | 21.6221% | 992 |
| Efficiency ratio | 58.9842% | 6,618 |
| Assets per employee ($millions) | 3.9988% | 3,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 4,965 |
| Loan loss allowance to noncurrent loans | 101.1991% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.7600% | 5,584 |
| Noncurrent loans to loans | 1.2497% | 4,861 |
| Net loans and leases to total assets | 60.0452% | 5,329 |
| Net loans and leases to deposits | 70.6945% | 5,511 |
| Net loans and leases to core deposits | 75.4013% | 6,444 |
| Total domestic deposits to total assets | 84.9361% | 3,581 |
| Equity capital to assets | 8.4693% | 5,927 |
| Core capital (leverage) ratio | 8.2388% | 5,752 |
| Tier 1 risk-based capital ratio | 14.7939% | 3,050 |
| Total risk-based capital ratio | 16.0457% | 3,002 |
| Memoranda: | ||
| Average total assets | $459,712,800 | 1,503 |
| Average earning assets | $431,740,800 | 1,470 |
| Average equity | $37,111,200 | 1,811 |
| Average total loans | $273,918,400 | 1,759 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2988% | 5,430 |
| Cost of funding earning assets | 1.4649% | 5,980 |
| Net interest margin | 3.8339% | 3,505 |
| Noninterest income to average assets | 1.4464% | 709 |
| Noninterest expense to average assets | 2.9917% | 4,076 |
| Loan and lease loss provision to assets | 0.4826% | 3,488 |
| Net operating income to assets | 1.0397% | 1,939 |
| Return on assets (ROA) | 1.0391% | 2,000 |
| Pretax return on assets | 1.5748% | 1,233 |
| Return on Equity (ROE) | 13.0369% | 1,108 |
| Retained earnings to average equity (ytd only) | 13.0369% | 258 |
| Net charge-offs to loans | 0.0498% | 6,222 |
| Credit loss provision to net charge-offs | 1,636.6337% | 236 |
| Earnings coverage of net charge-offs (x) | 69.8037% | 482 |
| Efficiency ratio | 59.2415% | 6,525 |
| Assets per employee ($millions) | 4.0563% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 4,653 |
| Loan loss allowance to noncurrent loans | 86.6132% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.8748% | 5,333 |
| Noncurrent loans to loans | 1.4715% | 4,477 |
| Net loans and leases to total assets | 58.6869% | 5,779 |
| Net loans and leases to deposits | 67.1540% | 6,196 |
| Net loans and leases to core deposits | 71.4507% | 6,879 |
| Total domestic deposits to total assets | 87.3916% | 1,952 |
| Equity capital to assets | 8.2264% | 6,608 |
| Core capital (leverage) ratio | 7.9929% | 6,372 |
| Tier 1 risk-based capital ratio | 14.6132% | 3,217 |
| Total risk-based capital ratio | 15.8649% | 3,167 |
| Memoranda: | ||
| Average total assets | $456,676,500 | 1,530 |
| Average earning assets | $429,243,750 | 1,489 |
| Average equity | $36,398,250 | 1,870 |
| Average total loans | $270,658,750 | 1,793 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3460% | 5,412 |
| Cost of funding earning assets | 1.5529% | 5,911 |
| Net interest margin | 3.7931% | 3,582 |
| Noninterest income to average assets | 1.6821% | 519 |
| Noninterest expense to average assets | 3.0585% | 3,853 |
| Loan and lease loss provision to assets | 0.6216% | 2,567 |
| Net operating income to assets | 1.0361% | 1,987 |
| Return on assets (ROA) | 1.0353% | 2,066 |
| Pretax return on assets | 1.5702% | 1,278 |
| Return on Equity (ROE) | 13.1356% | 1,152 |
| Retained earnings to average equity (ytd only) | 13.1356% | 314 |
| Net charge-offs to loans | 0.0650% | 5,589 |
| Credit loss provision to net charge-offs | 1,614.9425% | 317 |
| Earnings coverage of net charge-offs (x) | 56.9770% | 623 |
| Efficiency ratio | 58.2393% | 6,829 |
| Assets per employee ($millions) | 3.9206% | 3,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2388% | 4,677 |
| Loan loss allowance to noncurrent loans | 123.8113% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.6383% | 5,823 |
| Noncurrent loans to loans | 1.0006% | 5,204 |
| Net loans and leases to total assets | 58.3773% | 5,912 |
| Net loans and leases to deposits | 66.9032% | 6,307 |
| Net loans and leases to core deposits | 71.0160% | 6,966 |
| Total domestic deposits to total assets | 87.2563% | 2,122 |
| Equity capital to assets | 8.0779% | 6,655 |
| Core capital (leverage) ratio | 7.9257% | 6,448 |
| Tier 1 risk-based capital ratio | 14.4801% | 3,257 |
| Total risk-based capital ratio | 15.7313% | 3,201 |
| Memoranda: | ||
| Average total assets | $452,057,330 | 1,565 |
| Average earning assets | $425,399,670 | 1,520 |
| Average equity | $35,628,330 | 1,909 |
| Average total loans | $267,642,670 | 1,841 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3865% | 5,491 |
| Cost of funding earning assets | 1.6439% | 5,842 |
| Net interest margin | 3.7427% | 3,692 |
| Noninterest income to average assets | 2.3827% | 267 |
| Noninterest expense to average assets | 3.0744% | 3,471 |
| Loan and lease loss provision to assets | 1.0260% | 1,279 |
| Net operating income to assets | 1.0464% | 2,140 |
| Return on assets (ROA) | 1.0447% | 2,280 |
| Pretax return on assets | 1.8069% | 967 |
| Return on Equity (ROE) | 13.4267% | 1,285 |
| Retained earnings to average equity (ytd only) | 13.4267% | 576 |
| Net charge-offs to loans | 0.0045% | 5,647 |
| Credit loss provision to net charge-offs | 38,366.6667% | 14 |
| Earnings coverage of net charge-offs (x) | 1,060.3333% | 11 |
| Efficiency ratio | 52.0211% | 7,418 |
| Assets per employee ($millions) | 3.8427% | 3,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 4,760 |
| Loan loss allowance to noncurrent loans | 186.4896% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.4006% | 6,291 |
| Noncurrent loans to loans | 0.6472% | 5,790 |
| Net loans and leases to total assets | 57.8177% | 5,970 |
| Net loans and leases to deposits | 66.0163% | 6,373 |
| Net loans and leases to core deposits | 70.4681% | 6,996 |
| Total domestic deposits to total assets | 87.5810% | 1,931 |
| Equity capital to assets | 7.7744% | 7,101 |
| Core capital (leverage) ratio | 7.6882% | 6,900 |
| Tier 1 risk-based capital ratio | 14.7933% | 3,158 |
| Total risk-based capital ratio | 16.0446% | 3,090 |
| Memoranda: | ||
| Average total assets | $448,733,000 | 1,581 |
| Average earning assets | $422,908,000 | 1,538 |
| Average equity | $34,915,500 | 1,950 |
| Average total loans | $265,894,500 | 1,868 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7773% | 6,512 |
| Cost of funding earning assets | 1.8880% | 6,763 |
| Net interest margin | 3.8893% | 3,615 |
| Noninterest income to average assets | 1.1887% | 1,074 |
| Noninterest expense to average assets | 3.2260% | 3,234 |
| Loan and lease loss provision to assets | 0.2879% | 4,079 |
| Net operating income to assets | 0.8841% | 3,071 |
| Return on assets (ROA) | 0.8820% | 2,925 |
| Pretax return on assets | 1.2952% | 2,324 |
| Return on Equity (ROE) | 10.5023% | 2,084 |
| Retained earnings to average equity (ytd only) | 4.4769% | 2,342 |
| Net charge-offs to loans | 0.1298% | 4,934 |
| Credit loss provision to net charge-offs | 361.2698% | 1,228 |
| Earnings coverage of net charge-offs (x) | 19.9016% | 1,602 |
| Efficiency ratio | 67.0382% | 4,904 |
| Assets per employee ($millions) | 3.7623% | 4,034 |
| Cash dividends to net income (ytd only)* | 57.3723% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8207% | 7,026 |
| Loan loss allowance to noncurrent loans | 125.1010% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.4164% | 5,967 |
| Noncurrent loans to loans | 0.6560% | 5,394 |
| Net loans and leases to total assets | 59.5208% | 5,981 |
| Net loans and leases to deposits | 68.1723% | 6,447 |
| Net loans and leases to core deposits | 72.1509% | 7,072 |
| Total domestic deposits to total assets | 87.3094% | 1,795 |
| Equity capital to assets | 7.7877% | 7,111 |
| Core capital (leverage) ratio | 7.7177% | 6,900 |
| Tier 1 risk-based capital ratio | 14.7101% | 3,199 |
| Total risk-based capital ratio | 15.6500% | 3,260 |
| Memoranda: | ||
| Average total assets | $395,220,800 | 1,714 |
| Average earning assets | $368,215,600 | 1,690 |
| Average equity | $33,192,600 | 2,040 |
| Average total loans | $242,757,800 | 1,948 |