Home > Troy Bank & Trust Company > Performance and Condition Ratios
Troy Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9540% | 2,166 |
| Cost of funding earning assets | 1.7842% | 1,271 |
| Net interest margin | 3.1698% | 2,943 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 2.2534% | 2,974 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.9123% | 2,509 |
| Return on assets (ROA) | 0.7884% | 2,885 |
| Pretax return on assets | 0.9474% | 2,821 |
| Return on Equity (ROE) | 8.9900% | 2,760 |
| Retained earnings to average equity (ytd only) | 6.5003% | 2,063 |
| Net charge-offs to loans | 0.1268% | 778 |
| Credit loss provision to net charge-offs | 115.1877% | 1,714 |
| Earnings coverage of net charge-offs (x) | 15.0922% | 2,058 |
| Efficiency ratio | 65.1012% | 2,461 |
| Assets per employee ($millions) | 8.8628% | 1,033 |
| Cash dividends to net income (ytd only)* | 27.6609% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 1,600 |
| Loan loss allowance to noncurrent loans | 294.7636% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.3698% | 1,490 |
| Noncurrent loans to loans | 0.4554% | 1,643 |
| Net loans and leases to total assets | 61.2400% | 2,738 |
| Net loans and leases to deposits | 68.0403% | 3,028 |
| Net loans and leases to core deposits | 82.2644% | 2,569 |
| Total domestic deposits to total assets | 90.0100% | 755 |
| Equity capital to assets | 9.0424% | 2,647 |
| Core capital (leverage) ratio | 10.5737% | 2,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,470,607,600 | 724 |
| Average earning assets | $1,373,811,600 | 713 |
| Average equity | $129,025,800 | 770 |
| Average total loans | $924,185,800 | 778 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8906% | 2,078 |
| Cost of funding earning assets | 1.6516% | 1,273 |
| Net interest margin | 3.2391% | 2,825 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.2741% | 2,878 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.9615% | 2,476 |
| Return on assets (ROA) | 0.7319% | 3,211 |
| Pretax return on assets | 0.8469% | 3,223 |
| Return on Equity (ROE) | 8.4100% | 3,083 |
| Retained earnings to average equity (ytd only) | 6.1442% | 2,588 |
| Net charge-offs to loans | 0.1391% | 589 |
| Credit loss provision to net charge-offs | 109.7179% | 1,551 |
| Earnings coverage of net charge-offs (x) | 13.9707% | 2,018 |
| Efficiency ratio | 64.8877% | 2,404 |
| Assets per employee ($millions) | 8.4823% | 1,125 |
| Cash dividends to net income (ytd only)* | 26.9438% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 1,575 |
| Loan loss allowance to noncurrent loans | 330.8916% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 1,442 |
| Noncurrent loans to loans | 0.4144% | 1,795 |
| Net loans and leases to total assets | 61.5000% | 2,702 |
| Net loans and leases to deposits | 67.7966% | 2,992 |
| Net loans and leases to core deposits | 81.9786% | 2,466 |
| Total domestic deposits to total assets | 90.7100% | 741 |
| Equity capital to assets | 8.3719% | 2,815 |
| Core capital (leverage) ratio | 10.5019% | 2,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,454,942,750 | 733 |
| Average earning assets | $1,357,962,000 | 720 |
| Average equity | $126,621,250 | 778 |
| Average total loans | $917,278,250 | 785 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7284% | 2,152 |
| Cost of funding earning assets | 1.5222% | 1,204 |
| Net interest margin | 3.2061% | 2,977 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.2985% | 2,810 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.0028% | 2,407 |
| Return on assets (ROA) | 0.6117% | 3,554 |
| Pretax return on assets | 0.6332% | 3,736 |
| Return on Equity (ROE) | 6.9400% | 3,494 |
| Retained earnings to average equity (ytd only) | 4.4598% | 3,093 |
| Net charge-offs to loans | 0.1548% | 504 |
| Credit loss provision to net charge-offs | 148.3051% | 1,208 |
| Earnings coverage of net charge-offs (x) | 12.0593% | 1,951 |
| Efficiency ratio | 65.9429% | 2,245 |
| Assets per employee ($millions) | 8.3865% | 1,144 |
| Cash dividends to net income (ytd only)* | 35.7240% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4096% | 1,497 |
| Loan loss allowance to noncurrent loans | 356.1365% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.4286% | 1,246 |
| Noncurrent loans to loans | 0.3958% | 1,747 |
| Net loans and leases to total assets | 62.3900% | 2,540 |
| Net loans and leases to deposits | 69.0422% | 2,858 |
| Net loans and leases to core deposits | 80.9127% | 2,416 |
| Total domestic deposits to total assets | 90.3600% | 824 |
| Equity capital to assets | 8.8067% | 2,656 |
| Core capital (leverage) ratio | 10.6553% | 2,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,445,120,000 | 722 |
| Average earning assets | $1,349,471,667 | 715 |
| Average equity | $127,404,000 | 768 |
| Average total loans | $914,510,000 | 773 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5891% | 2,114 |
| Cost of funding earning assets | 1.4449% | 949 |
| Net interest margin | 3.1442% | 3,249 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.2271% | 3,022 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 0.9591% | 2,656 |
| Return on assets (ROA) | 0.1997% | 4,319 |
| Pretax return on assets | 0.2119% | 4,326 |
| Return on Equity (ROE) | 2.2600% | 4,271 |
| Retained earnings to average equity (ytd only) | 0.5785% | 3,938 |
| Net charge-offs to loans | 0.0548% | 820 |
| Credit loss provision to net charge-offs | 420.0000% | 600 |
| Earnings coverage of net charge-offs (x) | 33.6160% | 1,263 |
| Efficiency ratio | 65.5412% | 2,262 |
| Assets per employee ($millions) | 8.5189% | 1,120 |
| Cash dividends to net income (ytd only)* | 74.4444% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4238% | 1,523 |
| Loan loss allowance to noncurrent loans | 370.7929% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.4307% | 1,197 |
| Noncurrent loans to loans | 0.3840% | 1,779 |
| Net loans and leases to total assets | 62.1500% | 2,450 |
| Net loans and leases to deposits | 68.7695% | 2,716 |
| Net loans and leases to core deposits | 79.6489% | 2,277 |
| Total domestic deposits to total assets | 90.3700% | 1,017 |
| Equity capital to assets | 8.8578% | 2,624 |
| Core capital (leverage) ratio | 10.4262% | 2,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,442,245,000 | 739 |
| Average earning assets | $1,348,761,000 | 730 |
| Average equity | $127,219,000 | 776 |
| Average total loans | $912,702,500 | 782 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9495% | 1,859 |
| Cost of funding earning assets | 0.6869% | 619 |
| Net interest margin | 3.2626% | 2,668 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.1716% | 3,093 |
| Loan and lease loss provision to assets | 0.3500% | 208 |
| Net operating income to assets | 0.8907% | 3,002 |
| Return on assets (ROA) | 0.8897% | 2,947 |
| Pretax return on assets | 1.0483% | 2,922 |
| Return on Equity (ROE) | 9.8000% | 2,871 |
| Retained earnings to average equity (ytd only) | 7.5970% | 1,988 |
| Net charge-offs to loans | 0.2312% | 342 |
| Credit loss provision to net charge-offs | 260.7491% | 983 |
| Earnings coverage of net charge-offs (x) | 10.3484% | 2,192 |
| Efficiency ratio | 60.6406% | 2,968 |
| Assets per employee ($millions) | 8.1145% | 1,260 |
| Cash dividends to net income (ytd only)* | 22.5002% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3810% | 1,567 |
| Loan loss allowance to noncurrent loans | 326.0870% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.5061% | 1,011 |
| Noncurrent loans to loans | 0.4235% | 1,657 |
| Net loans and leases to total assets | 62.6500% | 2,367 |
| Net loans and leases to deposits | 69.3352% | 2,636 |
| Net loans and leases to core deposits | 78.6535% | 2,229 |
| Total domestic deposits to total assets | 90.3500% | 1,222 |
| Equity capital to assets | 8.7837% | 2,504 |
| Core capital (leverage) ratio | 10.5192% | 2,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,437,595,200 | 725 |
| Average earning assets | $1,338,530,800 | 713 |
| Average equity | $130,485,400 | 748 |
| Average total loans | $842,848,400 | 791 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8169% | 1,703 |
| Cost of funding earning assets | 0.5378% | 613 |
| Net interest margin | 3.2791% | 2,364 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.1747% | 2,994 |
| Loan and lease loss provision to assets | 0.3300% | 200 |
| Net operating income to assets | 0.8115% | 3,207 |
| Return on assets (ROA) | 0.8165% | 3,150 |
| Pretax return on assets | 1.0216% | 2,960 |
| Return on Equity (ROE) | 8.9200% | 3,051 |
| Retained earnings to average equity (ytd only) | 7.0117% | 2,356 |
| Net charge-offs to loans | 0.2090% | 319 |
| Credit loss provision to net charge-offs | 277.5116% | 849 |
| Earnings coverage of net charge-offs (x) | 11.2372% | 1,953 |
| Efficiency ratio | 61.6134% | 2,877 |
| Assets per employee ($millions) | 8.1235% | 1,259 |
| Cash dividends to net income (ytd only)* | 21.4286% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 1,932 |
| Loan loss allowance to noncurrent loans | 258.2090% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.5165% | 1,055 |
| Noncurrent loans to loans | 0.5118% | 1,521 |
| Net loans and leases to total assets | 61.4400% | 2,360 |
| Net loans and leases to deposits | 67.4778% | 2,580 |
| Net loans and leases to core deposits | 75.7701% | 2,212 |
| Total domestic deposits to total assets | 91.0500% | 1,219 |
| Equity capital to assets | 8.1117% | 2,829 |
| Core capital (leverage) ratio | 10.0762% | 2,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,437,926,000 | 731 |
| Average earning assets | $1,336,772,500 | 724 |
| Average equity | $131,567,250 | 754 |
| Average total loans | $825,470,000 | 804 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6560% | 1,667 |
| Cost of funding earning assets | 0.4392% | 732 |
| Net interest margin | 3.2169% | 2,135 |
| Noninterest income to average assets | 0.4935% | 2,237 |
| Noninterest expense to average assets | 2.2133% | 2,805 |
| Loan and lease loss provision to assets | 0.2903% | 227 |
| Net operating income to assets | 0.7931% | 2,985 |
| Return on assets (ROA) | 0.7982% | 2,933 |
| Pretax return on assets | 0.9909% | 2,766 |
| Return on Equity (ROE) | 8.4086% | 2,893 |
| Retained earnings to average equity (ytd only) | 6.3584% | 2,219 |
| Net charge-offs to loans | 0.0662% | 757 |
| Credit loss provision to net charge-offs | 786.0902% | 477 |
| Earnings coverage of net charge-offs (x) | 34.5226% | 1,335 |
| Efficiency ratio | 63.3328% | 2,862 |
| Assets per employee ($millions) | 8.0042% | 1,303 |
| Cash dividends to net income (ytd only)* | 24.3826% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3072% | 2,159 |
| Loan loss allowance to noncurrent loans | 315.6835% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4382% | 1,296 |
| Noncurrent loans to loans | 0.4141% | 1,871 |
| Net loans and leases to total assets | 58.2050% | 2,511 |
| Net loans and leases to deposits | 64.1415% | 2,708 |
| Net loans and leases to core deposits | 72.0481% | 2,331 |
| Total domestic deposits to total assets | 90.7446% | 1,364 |
| Equity capital to assets | 8.5027% | 2,763 |
| Core capital (leverage) ratio | 9.9913% | 2,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,440,657,667 | 725 |
| Average earning assets | $1,341,125,333 | 719 |
| Average equity | $136,764,667 | 739 |
| Average total loans | $803,908,667 | 802 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6156% | 1,461 |
| Cost of funding earning assets | 0.4080% | 831 |
| Net interest margin | 3.2076% | 1,862 |
| Noninterest income to average assets | 0.3931% | 2,737 |
| Noninterest expense to average assets | 2.1968% | 2,844 |
| Loan and lease loss provision to assets | 0.1400% | 574 |
| Net operating income to assets | 0.8256% | 2,571 |
| Return on assets (ROA) | 0.8358% | 2,528 |
| Pretax return on assets | 1.0564% | 2,277 |
| Return on Equity (ROE) | 8.3570% | 2,566 |
| Retained earnings to average equity (ytd only) | 7.0859% | 1,864 |
| Net charge-offs to loans | 0.0481% | 810 |
| Credit loss provision to net charge-offs | 537.6344% | 494 |
| Earnings coverage of net charge-offs (x) | 45.4516% | 955 |
| Efficiency ratio | 64.8637% | 2,931 |
| Assets per employee ($millions) | 8.0873% | 1,316 |
| Cash dividends to net income (ytd only)* | 15.2094% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2362% | 2,671 |
| Loan loss allowance to noncurrent loans | 286.5641% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.4361% | 1,393 |
| Noncurrent loans to loans | 0.4314% | 1,951 |
| Net loans and leases to total assets | 53.8974% | 2,773 |
| Net loans and leases to deposits | 59.9061% | 2,915 |
| Net loans and leases to core deposits | 67.0780% | 2,530 |
| Total domestic deposits to total assets | 89.9698% | 1,580 |
| Equity capital to assets | 9.2439% | 2,487 |
| Core capital (leverage) ratio | 9.9965% | 2,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,428,605,000 | 727 |
| Average earning assets | $1,330,474,500 | 723 |
| Average equity | $142,875,000 | 734 |
| Average total loans | $773,934,500 | 816 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6605% | 2,223 |
| Cost of funding earning assets | 0.4721% | 1,050 |
| Net interest margin | 3.1883% | 2,631 |
| Noninterest income to average assets | 0.5294% | 2,444 |
| Noninterest expense to average assets | 2.3186% | 2,741 |
| Loan and lease loss provision to assets | -0.1956% | 4,691 |
| Net operating income to assets | 1.0959% | 2,306 |
| Return on assets (ROA) | 1.1195% | 2,274 |
| Pretax return on assets | 1.4156% | 1,997 |
| Return on Equity (ROE) | 10.4628% | 2,362 |
| Retained earnings to average equity (ytd only) | 9.2387% | 1,121 |
| Net charge-offs to loans | -0.4524% | 4,778 |
| Credit loss provision to net charge-offs | 79.7358% | 1,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9345% | 2,270 |
| Assets per employee ($millions) | 8.0081% | 1,328 |
| Cash dividends to net income (ytd only)* | 11.6995% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 2,542 |
| Loan loss allowance to noncurrent loans | 335.8283% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.4233% | 1,551 |
| Noncurrent loans to loans | 0.3763% | 2,237 |
| Net loans and leases to total assets | 53.0767% | 2,953 |
| Net loans and leases to deposits | 60.2059% | 3,052 |
| Net loans and leases to core deposits | 67.4700% | 2,693 |
| Total domestic deposits to total assets | 88.1586% | 1,953 |
| Equity capital to assets | 10.7964% | 1,940 |
| Core capital (leverage) ratio | 10.7332% | 1,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,265,089,800 | 787 |
| Average earning assets | $1,182,117,600 | 787 |
| Average equity | $135,365,000 | 772 |
| Average total loans | $686,184,200 | 893 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6580% | 2,387 |
| Cost of funding earning assets | 0.4917% | 1,091 |
| Net interest margin | 3.1663% | 2,841 |
| Noninterest income to average assets | 0.5464% | 2,424 |
| Noninterest expense to average assets | 2.3906% | 2,468 |
| Loan and lease loss provision to assets | -0.3461% | 4,841 |
| Net operating income to assets | 1.1464% | 2,380 |
| Return on assets (ROA) | 1.1751% | 2,312 |
| Pretax return on assets | 1.4935% | 2,008 |
| Return on Equity (ROE) | 11.0101% | 2,362 |
| Retained earnings to average equity (ytd only) | 9.7497% | 1,396 |
| Net charge-offs to loans | -0.7248% | 4,858 |
| Credit loss provision to net charge-offs | 87.7915% | 1,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1170% | 1,811 |
| Assets per employee ($millions) | 7.9716% | 1,283 |
| Cash dividends to net income (ytd only)* | 11.4475% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3219% | 2,385 |
| Loan loss allowance to noncurrent loans | 168.0485% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.7575% | 958 |
| Noncurrent loans to loans | 0.7866% | 1,437 |
| Net loans and leases to total assets | 52.6827% | 3,118 |
| Net loans and leases to deposits | 59.9248% | 3,236 |
| Net loans and leases to core deposits | 67.5971% | 2,814 |
| Total domestic deposits to total assets | 87.9148% | 1,893 |
| Equity capital to assets | 11.2491% | 1,856 |
| Core capital (leverage) ratio | 10.8437% | 1,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,233,011,000 | 819 |
| Average earning assets | $1,150,873,500 | 814 |
| Average equity | $131,596,750 | 803 |
| Average total loans | $670,470,000 | 935 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5969% | 2,629 |
| Cost of funding earning assets | 0.5138% | 1,128 |
| Net interest margin | 3.0831% | 3,079 |
| Noninterest income to average assets | 0.5762% | 2,313 |
| Noninterest expense to average assets | 2.4536% | 2,298 |
| Loan and lease loss provision to assets | -0.5806% | 4,917 |
| Net operating income to assets | 1.2378% | 2,058 |
| Return on assets (ROA) | 1.2787% | 2,002 |
| Pretax return on assets | 1.6450% | 1,623 |
| Return on Equity (ROE) | 12.2211% | 1,971 |
| Retained earnings to average equity (ytd only) | 10.9051% | 1,146 |
| Net charge-offs to loans | -1.1784% | 4,902 |
| Credit loss provision to net charge-offs | 90.0206% | 1,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7859% | 1,545 |
| Assets per employee ($millions) | 7.8429% | 1,282 |
| Cash dividends to net income (ytd only)* | 10.7680% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3771% | 2,068 |
| Loan loss allowance to noncurrent loans | 141.0057% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.7802% | 1,045 |
| Noncurrent loans to loans | 0.9766% | 1,263 |
| Net loans and leases to total assets | 52.3272% | 3,310 |
| Net loans and leases to deposits | 59.3794% | 3,437 |
| Net loans and leases to core deposits | 67.7724% | 2,981 |
| Total domestic deposits to total assets | 88.1235% | 1,759 |
| Equity capital to assets | 11.0561% | 1,942 |
| Core capital (leverage) ratio | 10.5214% | 1,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,205,579,333 | 828 |
| Average earning assets | $1,130,084,333 | 818 |
| Average equity | $126,142,333 | 829 |
| Average total loans | $659,886,000 | 942 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6568% | 2,480 |
| Cost of funding earning assets | 0.5449% | 1,134 |
| Net interest margin | 3.1119% | 2,949 |
| Noninterest income to average assets | 0.6005% | 2,211 |
| Noninterest expense to average assets | 2.4710% | 2,261 |
| Loan and lease loss provision to assets | -1.1894% | 4,964 |
| Net operating income to assets | 1.8153% | 762 |
| Return on assets (ROA) | 1.8192% | 810 |
| Pretax return on assets | 2.2311% | 654 |
| Return on Equity (ROE) | 17.9314% | 735 |
| Retained earnings to average equity (ytd only) | 16.5413% | 461 |
| Net charge-offs to loans | -2.8581% | 4,932 |
| Credit loss provision to net charge-offs | 74.8023% | 1,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4418% | 1,652 |
| Assets per employee ($millions) | 7.4974% | 1,453 |
| Cash dividends to net income (ytd only)* | 7.7527% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5409% | 1,457 |
| Loan loss allowance to noncurrent loans | 127.8657% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.9628% | 871 |
| Noncurrent loans to loans | 1.2051% | 1,092 |
| Net loans and leases to total assets | 53.0257% | 3,348 |
| Net loans and leases to deposits | 59.5068% | 3,519 |
| Net loans and leases to core deposits | 68.1508% | 3,046 |
| Total domestic deposits to total assets | 89.1087% | 1,285 |
| Equity capital to assets | 10.0378% | 2,673 |
| Core capital (leverage) ratio | 9.7230% | 2,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,177,019,000 | 838 |
| Average earning assets | $1,099,660,500 | 827 |
| Average equity | $119,410,500 | 863 |
| Average total loans | $654,848,500 | 941 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1406% | 2,312 |
| Cost of funding earning assets | 0.7673% | 1,358 |
| Net interest margin | 3.3733% | 2,858 |
| Noninterest income to average assets | 0.7624% | 1,646 |
| Noninterest expense to average assets | 2.6406% | 2,417 |
| Loan and lease loss provision to assets | 0.1769% | 2,181 |
| Net operating income to assets | 0.8944% | 2,724 |
| Return on assets (ROA) | 0.9114% | 2,778 |
| Pretax return on assets | 1.1193% | 2,622 |
| Return on Equity (ROE) | 8.0824% | 2,782 |
| Retained earnings to average equity (ytd only) | 6.5778% | 1,557 |
| Net charge-offs to loans | 0.1643% | 1,005 |
| Credit loss provision to net charge-offs | 176.4414% | 2,285 |
| Earnings coverage of net charge-offs (x) | 12.7177% | 2,315 |
| Efficiency ratio | 67.4320% | 2,309 |
| Assets per employee ($millions) | 7.0365% | 1,561 |
| Cash dividends to net income (ytd only)* | 18.6153% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3399% | 2,233 |
| Loan loss allowance to noncurrent loans | 96.0548% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 1.1962% | 726 |
| Noncurrent loans to loans | 1.3949% | 976 |
| Net loans and leases to total assets | 56.7396% | 3,228 |
| Net loans and leases to deposits | 63.9286% | 3,447 |
| Net loans and leases to core deposits | 73.6446% | 2,940 |
| Total domestic deposits to total assets | 88.7546% | 1,089 |
| Equity capital to assets | 10.2581% | 2,877 |
| Core capital (leverage) ratio | 9.7285% | 2,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,003,183,600 | 880 |
| Average earning assets | $937,843,800 | 867 |
| Average equity | $113,122,800 | 870 |
| Average total loans | $612,144,400 | 955 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2988% | 2,098 |
| Cost of funding earning assets | 0.8239% | 1,385 |
| Net interest margin | 3.4749% | 2,676 |
| Noninterest income to average assets | 0.8323% | 1,389 |
| Noninterest expense to average assets | 2.6076% | 2,514 |
| Loan and lease loss provision to assets | 0.2102% | 1,910 |
| Net operating income to assets | 0.9938% | 2,364 |
| Return on assets (ROA) | 1.0119% | 2,426 |
| Pretax return on assets | 1.2930% | 2,084 |
| Return on Equity (ROE) | 8.7399% | 2,506 |
| Retained earnings to average equity (ytd only) | 7.2064% | 1,614 |
| Net charge-offs to loans | 0.2128% | 717 |
| Credit loss provision to net charge-offs | 159.1858% | 2,276 |
| Earnings coverage of net charge-offs (x) | 11.2098% | 2,309 |
| Efficiency ratio | 63.7881% | 2,770 |
| Assets per employee ($millions) | 6.8460% | 1,596 |
| Cash dividends to net income (ytd only)* | 17.5453% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 2,187 |
| Loan loss allowance to noncurrent loans | 86.6533% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 1.4025% | 642 |
| Noncurrent loans to loans | 1.4918% | 962 |
| Net loans and leases to total assets | 60.9585% | 3,116 |
| Net loans and leases to deposits | 69.0028% | 3,393 |
| Net loans and leases to core deposits | 79.4209% | 2,895 |
| Total domestic deposits to total assets | 88.3420% | 1,037 |
| Equity capital to assets | 10.7001% | 2,622 |
| Core capital (leverage) ratio | 9.9971% | 2,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $967,240,500 | 895 |
| Average earning assets | $906,206,250 | 883 |
| Average equity | $111,989,500 | 871 |
| Average total loans | $600,276,500 | 970 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4028% | 2,204 |
| Cost of funding earning assets | 0.9044% | 1,360 |
| Net interest margin | 3.4984% | 2,790 |
| Noninterest income to average assets | 0.9898% | 1,007 |
| Noninterest expense to average assets | 2.6279% | 2,577 |
| Loan and lease loss provision to assets | 0.2745% | 1,561 |
| Net operating income to assets | 1.0748% | 2,057 |
| Return on assets (ROA) | 1.1021% | 2,076 |
| Pretax return on assets | 1.4052% | 1,715 |
| Return on Equity (ROE) | 9.2469% | 2,265 |
| Retained earnings to average equity (ytd only) | 7.6739% | 1,409 |
| Net charge-offs to loans | 0.3168% | 509 |
| Credit loss provision to net charge-offs | 139.3443% | 2,179 |
| Earnings coverage of net charge-offs (x) | 8.3519% | 2,293 |
| Efficiency ratio | 61.5013% | 3,201 |
| Assets per employee ($millions) | 5.2100% | 2,921 |
| Cash dividends to net income (ytd only)* | 17.0117% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3901% | 1,625 |
| Loan loss allowance to noncurrent loans | 91.8492% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 1.3906% | 707 |
| Noncurrent loans to loans | 1.5135% | 999 |
| Net loans and leases to total assets | 61.3724% | 3,180 |
| Net loans and leases to deposits | 70.2655% | 3,395 |
| Net loans and leases to core deposits | 81.3749% | 2,829 |
| Total domestic deposits to total assets | 87.3436% | 1,477 |
| Equity capital to assets | 11.6761% | 1,846 |
| Core capital (leverage) ratio | 11.3370% | 1,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $929,098,667 | 914 |
| Average earning assets | $871,940,000 | 894 |
| Average equity | $110,739,667 | 871 |
| Average total loans | $577,701,333 | 991 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6318% | 1,905 |
| Cost of funding earning assets | 1.0512% | 1,214 |
| Net interest margin | 3.5806% | 2,734 |
| Noninterest income to average assets | 0.6200% | 1,952 |
| Noninterest expense to average assets | 2.6744% | 2,769 |
| Loan and lease loss provision to assets | 0.1213% | 2,178 |
| Net operating income to assets | 0.9347% | 2,400 |
| Return on assets (ROA) | 0.9562% | 2,430 |
| Pretax return on assets | 1.1843% | 2,248 |
| Return on Equity (ROE) | 7.9354% | 2,546 |
| Retained earnings to average equity (ytd only) | 6.3059% | 1,770 |
| Net charge-offs to loans | -0.0057% | 3,899 |
| Credit loss provision to net charge-offs | -3,437.5000% | 3,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6451% | 2,730 |
| Assets per employee ($millions) | 6.5300% | 1,325 |
| Cash dividends to net income (ytd only)* | 20.5353% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 1,414 |
| Loan loss allowance to noncurrent loans | 98.5138% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 1.3447% | 855 |
| Noncurrent loans to loans | 1.5014% | 1,066 |
| Net loans and leases to total assets | 60.8520% | 3,419 |
| Net loans and leases to deposits | 69.8629% | 3,605 |
| Net loans and leases to core deposits | 83.6363% | 2,880 |
| Total domestic deposits to total assets | 87.1021% | 1,518 |
| Equity capital to assets | 12.0442% | 2,035 |
| Core capital (leverage) ratio | 11.8327% | 1,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $906,516,000 | 907 |
| Average earning assets | $843,985,000 | 899 |
| Average equity | $109,231,500 | 877 |
| Average total loans | $563,373,000 | 990 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8375% | 1,931 |
| Cost of funding earning assets | 1.2261% | 959 |
| Net interest margin | 3.6115% | 3,100 |
| Noninterest income to average assets | 0.6019% | 2,205 |
| Noninterest expense to average assets | 2.6057% | 3,159 |
| Loan and lease loss provision to assets | 0.0603% | 2,834 |
| Net operating income to assets | 1.0451% | 2,676 |
| Return on assets (ROA) | 1.0452% | 2,768 |
| Pretax return on assets | 1.2837% | 2,559 |
| Return on Equity (ROE) | 8.8926% | 2,804 |
| Retained earnings to average equity (ytd only) | 1.4175% | 4,235 |
| Net charge-offs to loans | 0.1931% | 1,051 |
| Credit loss provision to net charge-offs | 49.7288% | 3,131 |
| Earnings coverage of net charge-offs (x) | 11.0859% | 2,521 |
| Efficiency ratio | 65.9738% | 2,772 |
| Assets per employee ($millions) | 6.1989% | 1,483 |
| Cash dividends to net income (ytd only)* | 84.0604% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 1,409 |
| Loan loss allowance to noncurrent loans | 126.0978% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 1.2122% | 964 |
| Noncurrent loans to loans | 1.1384% | 1,328 |
| Net loans and leases to total assets | 61.6369% | 3,439 |
| Net loans and leases to deposits | 70.8410% | 3,606 |
| Net loans and leases to core deposits | 85.5550% | 2,820 |
| Total domestic deposits to total assets | 87.0073% | 1,606 |
| Equity capital to assets | 12.0557% | 2,102 |
| Core capital (leverage) ratio | 11.1168% | 2,402 |
| Tier 1 risk-based capital ratio | 15.8635% | 2,453 |
| Total risk-based capital ratio | 17.0807% | 2,409 |
| Memoranda: | ||
| Average total assets | $912,333,400 | 868 |
| Average earning assets | $845,722,200 | 855 |
| Average equity | $107,234,800 | 848 |
| Average total loans | $572,815,000 | 950 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8146% | 2,073 |
| Cost of funding earning assets | 1.2156% | 995 |
| Net interest margin | 3.5990% | 3,258 |
| Noninterest income to average assets | 0.6044% | 2,184 |
| Noninterest expense to average assets | 2.5600% | 3,278 |
| Loan and lease loss provision to assets | 0.0801% | 2,305 |
| Net operating income to assets | 1.0365% | 2,832 |
| Return on assets (ROA) | 1.0274% | 2,950 |
| Pretax return on assets | 1.2822% | 2,721 |
| Return on Equity (ROE) | 8.7962% | 2,958 |
| Retained earnings to average equity (ytd only) | -0.6370% | 4,820 |
| Net charge-offs to loans | 0.1765% | 957 |
| Credit loss provision to net charge-offs | 72.1785% | 2,594 |
| Earnings coverage of net charge-offs (x) | 12.3806% | 2,363 |
| Efficiency ratio | 65.0800% | 2,846 |
| Assets per employee ($millions) | 6.8064% | 1,112 |
| Cash dividends to net income (ytd only)* | 107.2421% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4832% | 1,288 |
| Loan loss allowance to noncurrent loans | 96.1710% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 1.4165% | 812 |
| Noncurrent loans to loans | 1.5422% | 971 |
| Net loans and leases to total assets | 59.0730% | 3,761 |
| Net loans and leases to deposits | 67.2171% | 3,978 |
| Net loans and leases to core deposits | 79.5371% | 3,424 |
| Total domestic deposits to total assets | 87.8840% | 1,085 |
| Equity capital to assets | 11.2768% | 2,853 |
| Core capital (leverage) ratio | 11.0384% | 2,612 |
| Tier 1 risk-based capital ratio | 15.3089% | 2,708 |
| Total risk-based capital ratio | 16.5581% | 2,642 |
| Memoranda: | ||
| Average total assets | $915,705,500 | 861 |
| Average earning assets | $847,060,500 | 857 |
| Average equity | $106,953,000 | 850 |
| Average total loans | $575,496,500 | 943 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8287% | 1,971 |
| Cost of funding earning assets | 1.1951% | 1,015 |
| Net interest margin | 3.6337% | 3,150 |
| Noninterest income to average assets | 0.6502% | 1,916 |
| Noninterest expense to average assets | 2.6335% | 3,106 |
| Loan and lease loss provision to assets | 0.1215% | 1,543 |
| Net operating income to assets | 1.0125% | 2,870 |
| Return on assets (ROA) | 0.9958% | 3,002 |
| Pretax return on assets | 1.2330% | 2,807 |
| Return on Equity (ROE) | 8.4248% | 3,106 |
| Retained earnings to average equity (ytd only) | 2.6812% | 3,858 |
| Net charge-offs to loans | 0.1861% | 886 |
| Credit loss provision to net charge-offs | 102.2305% | 1,931 |
| Earnings coverage of net charge-offs (x) | 11.5725% | 2,200 |
| Efficiency ratio | 65.6970% | 2,853 |
| Assets per employee ($millions) | 6.7744% | 1,107 |
| Cash dividends to net income (ytd only)* | 68.1748% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 1,296 |
| Loan loss allowance to noncurrent loans | 162.9930% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 1.0913% | 1,251 |
| Noncurrent loans to loans | 0.9163% | 1,792 |
| Net loans and leases to total assets | 61.3778% | 3,613 |
| Net loans and leases to deposits | 71.3045% | 3,740 |
| Net loans and leases to core deposits | 84.8884% | 3,041 |
| Total domestic deposits to total assets | 86.0785% | 1,989 |
| Equity capital to assets | 11.6827% | 2,462 |
| Core capital (leverage) ratio | 11.4447% | 2,211 |
| Tier 1 risk-based capital ratio | 15.0521% | 2,817 |
| Total risk-based capital ratio | 16.2936% | 2,745 |
| Memoranda: | ||
| Average total assets | $905,579,000 | 866 |
| Average earning assets | $836,947,000 | 860 |
| Average equity | $107,041,330 | 842 |
| Average total loans | $578,230,330 | 938 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8701% | 1,687 |
| Cost of funding earning assets | 1.1781% | 959 |
| Net interest margin | 3.6920% | 2,923 |
| Noninterest income to average assets | 0.5327% | 2,372 |
| Noninterest expense to average assets | 2.6228% | 3,151 |
| Loan and lease loss provision to assets | 0.1342% | 1,295 |
| Net operating income to assets | 0.9598% | 3,006 |
| Return on assets (ROA) | 0.9598% | 3,049 |
| Pretax return on assets | 1.1888% | 2,847 |
| Return on Equity (ROE) | 8.0715% | 3,233 |
| Retained earnings to average equity (ytd only) | 6.3301% | 2,305 |
| Net charge-offs to loans | 0.2055% | 680 |
| Credit loss provision to net charge-offs | 101.0101% | 1,559 |
| Earnings coverage of net charge-offs (x) | 9.9596% | 1,989 |
| Efficiency ratio | 66.4702% | 2,871 |
| Assets per employee ($millions) | 6.8114% | 1,083 |
| Cash dividends to net income (ytd only)* | 21.5750% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4764% | 1,403 |
| Loan loss allowance to noncurrent loans | 211.2118% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 1.0026% | 1,395 |
| Noncurrent loans to loans | 0.6990% | 2,275 |
| Net loans and leases to total assets | 63.0816% | 3,393 |
| Net loans and leases to deposits | 74.0686% | 3,444 |
| Net loans and leases to core deposits | 83.9245% | 3,032 |
| Total domestic deposits to total assets | 85.1664% | 2,614 |
| Equity capital to assets | 11.8013% | 2,158 |
| Core capital (leverage) ratio | 11.7512% | 1,939 |
| Tier 1 risk-based capital ratio | 14.8494% | 2,940 |
| Total risk-based capital ratio | 16.0736% | 2,887 |
| Memoranda: | ||
| Average total assets | $894,323,000 | 878 |
| Average earning assets | $826,753,500 | 872 |
| Average equity | $106,349,000 | 839 |
| Average total loans | $578,206,000 | 943 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6454% | 2,004 |
| Cost of funding earning assets | 0.9377% | 972 |
| Net interest margin | 3.7077% | 3,006 |
| Noninterest income to average assets | 0.8676% | 1,272 |
| Noninterest expense to average assets | 2.4848% | 3,652 |
| Loan and lease loss provision to assets | 0.1676% | 1,204 |
| Net operating income to assets | 1.4070% | 1,407 |
| Return on assets (ROA) | 1.4252% | 1,345 |
| Pretax return on assets | 1.6554% | 1,296 |
| Return on Equity (ROE) | 12.6892% | 1,474 |
| Retained earnings to average equity (ytd only) | 10.5716% | 511 |
| Net charge-offs to loans | 0.1333% | 1,418 |
| Credit loss provision to net charge-offs | 203.2520% | 1,415 |
| Earnings coverage of net charge-offs (x) | 21.8469% | 1,928 |
| Efficiency ratio | 57.9649% | 4,169 |
| Assets per employee ($millions) | 6.5367% | 1,199 |
| Cash dividends to net income (ytd only)* | 16.6876% | 3,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5080% | 1,265 |
| Loan loss allowance to noncurrent loans | 220.2758% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 1.0869% | 1,240 |
| Noncurrent loans to loans | 0.6846% | 2,276 |
| Net loans and leases to total assets | 64.3205% | 3,320 |
| Net loans and leases to deposits | 75.8348% | 3,360 |
| Net loans and leases to core deposits | 85.4542% | 2,959 |
| Total domestic deposits to total assets | 84.8166% | 2,724 |
| Equity capital to assets | 11.9856% | 1,906 |
| Core capital (leverage) ratio | 11.7136% | 1,941 |
| Tier 1 risk-based capital ratio | 14.8137% | 2,920 |
| Total risk-based capital ratio | 16.0584% | 2,847 |
| Memoranda: | ||
| Average total assets | $894,742,400 | 854 |
| Average earning assets | $825,120,000 | 852 |
| Average equity | $100,495,200 | 852 |
| Average total loans | $553,794,600 | 952 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5513% | 2,123 |
| Cost of funding earning assets | 0.8910% | 959 |
| Net interest margin | 3.6603% | 3,165 |
| Noninterest income to average assets | 0.9644% | 1,027 |
| Noninterest expense to average assets | 2.4797% | 3,653 |
| Loan and lease loss provision to assets | 0.1779% | 1,027 |
| Net operating income to assets | 1.4746% | 1,259 |
| Return on assets (ROA) | 1.4969% | 1,200 |
| Pretax return on assets | 1.7123% | 1,249 |
| Return on Equity (ROE) | 13.5486% | 1,250 |
| Retained earnings to average equity (ytd only) | 11.5159% | 554 |
| Net charge-offs to loans | 0.1554% | 1,061 |
| Credit loss provision to net charge-offs | 187.5000% | 1,458 |
| Earnings coverage of net charge-offs (x) | 19.6532% | 1,992 |
| Efficiency ratio | 57.0805% | 4,243 |
| Assets per employee ($millions) | 6.7146% | 1,077 |
| Cash dividends to net income (ytd only)* | 15.0030% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4886% | 1,386 |
| Loan loss allowance to noncurrent loans | 225.3009% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 1.0007% | 1,455 |
| Noncurrent loans to loans | 0.6607% | 2,430 |
| Net loans and leases to total assets | 61.9569% | 3,661 |
| Net loans and leases to deposits | 72.3932% | 3,742 |
| Net loans and leases to core deposits | 79.1253% | 3,564 |
| Total domestic deposits to total assets | 85.5838% | 2,362 |
| Equity capital to assets | 11.3555% | 2,353 |
| Core capital (leverage) ratio | 10.9885% | 2,586 |
| Tier 1 risk-based capital ratio | 14.2302% | 3,252 |
| Total risk-based capital ratio | 15.4302% | 3,195 |
| Memoranda: | ||
| Average total assets | $899,447,250 | 847 |
| Average earning assets | $830,502,750 | 847 |
| Average equity | $99,372,750 | 850 |
| Average total loans | $549,237,250 | 959 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4585% | 2,228 |
| Cost of funding earning assets | 0.8601% | 873 |
| Net interest margin | 3.5984% | 3,315 |
| Noninterest income to average assets | 1.1533% | 727 |
| Noninterest expense to average assets | 2.4696% | 3,719 |
| Loan and lease loss provision to assets | 0.1779% | 1,017 |
| Net operating income to assets | 1.6400% | 823 |
| Return on assets (ROA) | 1.6681% | 784 |
| Pretax return on assets | 1.8689% | 841 |
| Return on Equity (ROE) | 15.2398% | 804 |
| Retained earnings to average equity (ytd only) | 13.0984% | 368 |
| Net charge-offs to loans | 0.1424% | 1,066 |
| Credit loss provision to net charge-offs | 206.7183% | 1,277 |
| Earnings coverage of net charge-offs (x) | 23.4160% | 1,710 |
| Efficiency ratio | 55.0652% | 4,575 |
| Assets per employee ($millions) | 6.9059% | 963 |
| Cash dividends to net income (ytd only)* | 14.0515% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4848% | 1,446 |
| Loan loss allowance to noncurrent loans | 228.9627% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 1.0365% | 1,448 |
| Noncurrent loans to loans | 0.6485% | 2,492 |
| Net loans and leases to total assets | 60.7045% | 3,742 |
| Net loans and leases to deposits | 70.5828% | 3,812 |
| Net loans and leases to core deposits | 80.7196% | 3,353 |
| Total domestic deposits to total assets | 86.0046% | 2,272 |
| Equity capital to assets | 11.1597% | 2,494 |
| Core capital (leverage) ratio | 10.8497% | 2,657 |
| Tier 1 risk-based capital ratio | 13.8784% | 3,418 |
| Total risk-based capital ratio | 15.0631% | 3,368 |
| Memoranda: | ||
| Average total assets | $899,343,000 | 847 |
| Average earning assets | $832,650,330 | 850 |
| Average equity | $98,439,670 | 855 |
| Average total loans | $543,687,330 | 967 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3406% | 2,382 |
| Cost of funding earning assets | 0.8348% | 818 |
| Net interest margin | 3.5058% | 3,515 |
| Noninterest income to average assets | 0.5407% | 2,570 |
| Noninterest expense to average assets | 2.5106% | 3,608 |
| Loan and lease loss provision to assets | 0.1784% | 966 |
| Net operating income to assets | 1.2040% | 1,987 |
| Return on assets (ROA) | 1.2673% | 1,763 |
| Pretax return on assets | 1.1710% | 2,886 |
| Return on Equity (ROE) | 11.6938% | 1,688 |
| Retained earnings to average equity (ytd only) | 9.8703% | 1,202 |
| Net charge-offs to loans | 0.1490% | 935 |
| Credit loss provision to net charge-offs | 200.0000% | 1,039 |
| Earnings coverage of net charge-offs (x) | 14.4150% | 1,712 |
| Efficiency ratio | 66.1262% | 3,138 |
| Assets per employee ($millions) | 6.6693% | 1,108 |
| Cash dividends to net income (ytd only)* | 15.5931% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4801% | 1,534 |
| Loan loss allowance to noncurrent loans | 226.4252% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 1.0541% | 1,484 |
| Noncurrent loans to loans | 0.6537% | 2,589 |
| Net loans and leases to total assets | 60.0522% | 3,747 |
| Net loans and leases to deposits | 69.5618% | 3,823 |
| Net loans and leases to core deposits | 79.6973% | 3,347 |
| Total domestic deposits to total assets | 86.3293% | 2,395 |
| Equity capital to assets | 10.9239% | 2,656 |
| Core capital (leverage) ratio | 10.3485% | 3,120 |
| Tier 1 risk-based capital ratio | 13.4728% | 3,670 |
| Total risk-based capital ratio | 14.6541% | 3,632 |
| Memoranda: | ||
| Average total assets | $896,679,000 | 860 |
| Average earning assets | $832,789,500 | 855 |
| Average equity | $97,180,000 | 870 |
| Average total loans | $536,804,500 | 980 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2500% | 2,493 |
| Cost of funding earning assets | 0.7186% | 929 |
| Net interest margin | 3.5314% | 3,422 |
| Noninterest income to average assets | 0.5946% | 2,473 |
| Noninterest expense to average assets | 2.4182% | 4,025 |
| Loan and lease loss provision to assets | 0.0181% | 3,938 |
| Net operating income to assets | 1.0691% | 1,980 |
| Return on assets (ROA) | 1.0796% | 1,954 |
| Pretax return on assets | 1.3999% | 1,987 |
| Return on Equity (ROE) | 10.1751% | 1,814 |
| Retained earnings to average equity (ytd only) | 7.9771% | 775 |
| Net charge-offs to loans | 0.0777% | 2,337 |
| Credit loss provision to net charge-offs | 41.2371% | 3,430 |
| Earnings coverage of net charge-offs (x) | 31.9433% | 1,483 |
| Efficiency ratio | 63.2596% | 3,724 |
| Assets per employee ($millions) | 6.7644% | 1,074 |
| Cash dividends to net income (ytd only)* | 21.6018% | 3,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4868% | 1,450 |
| Loan loss allowance to noncurrent loans | 258.1418% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.9607% | 1,615 |
| Noncurrent loans to loans | 0.5760% | 2,777 |
| Net loans and leases to total assets | 57.9105% | 4,014 |
| Net loans and leases to deposits | 67.3755% | 4,069 |
| Net loans and leases to core deposits | 77.5282% | 3,626 |
| Total domestic deposits to total assets | 85.9519% | 2,459 |
| Equity capital to assets | 10.7522% | 2,891 |
| Core capital (leverage) ratio | 9.8790% | 3,606 |
| Tier 1 risk-based capital ratio | 13.2167% | 3,782 |
| Total risk-based capital ratio | 14.3789% | 3,746 |
| Memoranda: | ||
| Average total assets | $882,467,600 | 849 |
| Average earning assets | $806,683,600 | 854 |
| Average equity | $93,630,200 | 877 |
| Average total loans | $499,186,600 | 1,025 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2303% | 2,517 |
| Cost of funding earning assets | 0.6907% | 1,009 |
| Net interest margin | 3.5397% | 3,353 |
| Noninterest income to average assets | 0.6214% | 2,353 |
| Noninterest expense to average assets | 2.4169% | 3,975 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1266% | 1,967 |
| Return on assets (ROA) | 1.1370% | 1,984 |
| Pretax return on assets | 1.4352% | 1,993 |
| Return on Equity (ROE) | 10.7535% | 1,795 |
| Retained earnings to average equity (ytd only) | 8.6513% | 964 |
| Net charge-offs to loans | 0.1055% | 1,738 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 24.0773% | 1,784 |
| Efficiency ratio | 62.9583% | 3,717 |
| Assets per employee ($millions) | 6.7533% | 1,048 |
| Cash dividends to net income (ytd only)* | 19.5487% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4907% | 1,568 |
| Loan loss allowance to noncurrent loans | 266.6898% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.9789% | 1,735 |
| Noncurrent loans to loans | 0.5590% | 3,020 |
| Net loans and leases to total assets | 56.2444% | 4,212 |
| Net loans and leases to deposits | 66.2329% | 4,236 |
| Net loans and leases to core deposits | 76.3959% | 3,774 |
| Total domestic deposits to total assets | 84.9191% | 2,747 |
| Equity capital to assets | 10.6307% | 3,234 |
| Core capital (leverage) ratio | 10.1601% | 3,363 |
| Tier 1 risk-based capital ratio | 13.1512% | 3,907 |
| Total risk-based capital ratio | 14.3118% | 3,877 |
| Memoranda: | ||
| Average total assets | $878,167,750 | 858 |
| Average earning assets | $798,249,250 | 866 |
| Average equity | $92,854,250 | 889 |
| Average total loans | $491,767,000 | 1,047 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1512% | 2,661 |
| Cost of funding earning assets | 0.6648% | 1,069 |
| Net interest margin | 3.4864% | 3,457 |
| Noninterest income to average assets | 0.5683% | 2,615 |
| Noninterest expense to average assets | 2.3354% | 4,255 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0924% | 2,010 |
| Return on assets (ROA) | 1.1010% | 2,022 |
| Pretax return on assets | 1.4396% | 1,858 |
| Return on Equity (ROE) | 10.4318% | 1,870 |
| Retained earnings to average equity (ytd only) | 8.1994% | 1,085 |
| Net charge-offs to loans | 0.0422% | 2,350 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 60.8627% | 944 |
| Efficiency ratio | 62.0492% | 3,982 |
| Assets per employee ($millions) | 6.4603% | 1,182 |
| Cash dividends to net income (ytd only)* | 21.4002% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6176% | 1,224 |
| Loan loss allowance to noncurrent loans | 166.7502% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 1.3464% | 1,197 |
| Noncurrent loans to loans | 0.9701% | 2,026 |
| Net loans and leases to total assets | 56.9793% | 4,124 |
| Net loans and leases to deposits | 65.9205% | 4,225 |
| Net loans and leases to core deposits | 72.4809% | 4,057 |
| Total domestic deposits to total assets | 86.4363% | 2,180 |
| Equity capital to assets | 11.0771% | 2,728 |
| Core capital (leverage) ratio | 9.9774% | 3,565 |
| Tier 1 risk-based capital ratio | 13.6572% | 3,616 |
| Total risk-based capital ratio | 14.9088% | 3,537 |
| Memoranda: | ||
| Average total assets | $869,244,670 | 869 |
| Average earning assets | $796,689,000 | 874 |
| Average equity | $91,738,670 | 898 |
| Average total loans | $483,463,330 | 1,070 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0354% | 2,914 |
| Cost of funding earning assets | 0.6305% | 1,186 |
| Net interest margin | 3.4048% | 3,641 |
| Noninterest income to average assets | 0.6309% | 2,261 |
| Noninterest expense to average assets | 2.3394% | 4,289 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0761% | 1,957 |
| Return on assets (ROA) | 1.0908% | 1,950 |
| Pretax return on assets | 1.4195% | 1,822 |
| Return on Equity (ROE) | 10.5911% | 1,699 |
| Retained earnings to average equity (ytd only) | 8.6792% | 1,198 |
| Net charge-offs to loans | 0.1689% | 968 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 15.2079% | 1,686 |
| Efficiency ratio | 62.5549% | 4,068 |
| Assets per employee ($millions) | 6.7715% | 1,049 |
| Cash dividends to net income (ytd only)* | 18.0527% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6366% | 1,295 |
| Loan loss allowance to noncurrent loans | 139.3816% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 2.0661% | 634 |
| Noncurrent loans to loans | 1.1742% | 1,734 |
| Net loans and leases to total assets | 53.8639% | 4,344 |
| Net loans and leases to deposits | 61.9750% | 4,435 |
| Net loans and leases to core deposits | 67.7453% | 4,311 |
| Total domestic deposits to total assets | 86.9123% | 2,262 |
| Equity capital to assets | 10.4162% | 3,273 |
| Core capital (leverage) ratio | 9.6756% | 3,894 |
| Tier 1 risk-based capital ratio | 13.1820% | 3,968 |
| Total risk-based capital ratio | 14.4198% | 3,889 |
| Memoranda: | ||
| Average total assets | $877,486,500 | 868 |
| Average earning assets | $801,214,500 | 876 |
| Average equity | $90,377,500 | 908 |
| Average total loans | $478,252,000 | 1,069 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0506% | 3,019 |
| Cost of funding earning assets | 0.6601% | 1,005 |
| Net interest margin | 3.3905% | 3,853 |
| Noninterest income to average assets | 0.5432% | 2,958 |
| Noninterest expense to average assets | 2.4872% | 4,057 |
| Loan and lease loss provision to assets | 0.1215% | 2,032 |
| Net operating income to assets | 0.8255% | 3,182 |
| Return on assets (ROA) | 0.8865% | 3,013 |
| Pretax return on assets | 1.0927% | 3,133 |
| Return on Equity (ROE) | 8.5956% | 2,617 |
| Retained earnings to average equity (ytd only) | 6.3100% | 1,560 |
| Net charge-offs to loans | -0.1455% | 5,677 |
| Credit loss provision to net charge-offs | -153.6082% | 4,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5903% | 3,152 |
| Assets per employee ($millions) | 6.8335% | 993 |
| Cash dividends to net income (ytd only)* | 26.5904% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7053% | 1,127 |
| Loan loss allowance to noncurrent loans | 130.3738% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 2.2537% | 567 |
| Noncurrent loans to loans | 1.3080% | 1,569 |
| Net loans and leases to total assets | 53.3182% | 4,498 |
| Net loans and leases to deposits | 62.0665% | 4,541 |
| Net loans and leases to core deposits | 68.2539% | 4,379 |
| Total domestic deposits to total assets | 85.9050% | 2,629 |
| Equity capital to assets | 10.1822% | 3,505 |
| Core capital (leverage) ratio | 9.1406% | 4,564 |
| Tier 1 risk-based capital ratio | 12.7459% | 4,243 |
| Total risk-based capital ratio | 13.9987% | 4,128 |
| Memoranda: | ||
| Average total assets | $858,235,200 | 846 |
| Average earning assets | $780,380,800 | 861 |
| Average equity | $88,510,000 | 900 |
| Average total loans | $466,685,200 | 1,037 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0457% | 3,054 |
| Cost of funding earning assets | 0.6557% | 1,026 |
| Net interest margin | 3.3900% | 3,886 |
| Noninterest income to average assets | 0.5579% | 2,880 |
| Noninterest expense to average assets | 2.5011% | 3,981 |
| Loan and lease loss provision to assets | 0.1628% | 1,415 |
| Net operating income to assets | 0.8004% | 3,364 |
| Return on assets (ROA) | 0.8831% | 3,119 |
| Pretax return on assets | 1.0746% | 3,336 |
| Return on Equity (ROE) | 8.5349% | 2,745 |
| Retained earnings to average equity (ytd only) | 6.3684% | 1,978 |
| Net charge-offs to loans | -0.1985% | 5,762 |
| Credit loss provision to net charge-offs | -150.7225% | 4,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7551% | 3,088 |
| Assets per employee ($millions) | 6.7540% | 979 |
| Cash dividends to net income (ytd only)* | 25.3845% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7274% | 1,149 |
| Loan loss allowance to noncurrent loans | 64.1190% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 2.6596% | 488 |
| Noncurrent loans to loans | 2.6940% | 610 |
| Net loans and leases to total assets | 52.5092% | 4,615 |
| Net loans and leases to deposits | 63.2999% | 4,539 |
| Net loans and leases to core deposits | 69.7726% | 4,342 |
| Total domestic deposits to total assets | 82.9530% | 3,620 |
| Equity capital to assets | 10.3256% | 3,773 |
| Core capital (leverage) ratio | 9.5191% | 4,150 |
| Tier 1 risk-based capital ratio | 12.8094% | 4,274 |
| Total risk-based capital ratio | 14.0626% | 4,184 |
| Memoranda: | ||
| Average total assets | $854,123,000 | 846 |
| Average earning assets | $775,947,250 | 864 |
| Average equity | $88,372,000 | 905 |
| Average total loans | $464,742,250 | 1,046 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0223% | 3,171 |
| Cost of funding earning assets | 0.6598% | 996 |
| Net interest margin | 3.3625% | 4,016 |
| Noninterest income to average assets | 0.5599% | 2,851 |
| Noninterest expense to average assets | 2.6102% | 3,688 |
| Loan and lease loss provision to assets | 0.2465% | 791 |
| Net operating income to assets | 0.6709% | 3,957 |
| Return on assets (ROA) | 0.7843% | 3,533 |
| Pretax return on assets | 0.8880% | 3,996 |
| Return on Equity (ROE) | 7.5746% | 3,220 |
| Retained earnings to average equity (ytd only) | 5.2734% | 2,565 |
| Net charge-offs to loans | -0.3078% | 5,892 |
| Credit loss provision to net charge-offs | -146.2833% | 4,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1859% | 2,619 |
| Assets per employee ($millions) | 6.7668% | 968 |
| Cash dividends to net income (ytd only)* | 30.3797% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7773% | 1,121 |
| Loan loss allowance to noncurrent loans | 54.7728% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 3.0071% | 406 |
| Noncurrent loans to loans | 3.2448% | 434 |
| Net loans and leases to total assets | 53.5153% | 4,552 |
| Net loans and leases to deposits | 64.3822% | 4,467 |
| Net loans and leases to core deposits | 71.0672% | 4,245 |
| Total domestic deposits to total assets | 83.1214% | 3,605 |
| Equity capital to assets | 10.6213% | 3,507 |
| Core capital (leverage) ratio | 9.3573% | 4,388 |
| Tier 1 risk-based capital ratio | 12.9376% | 4,238 |
| Total risk-based capital ratio | 14.1916% | 4,147 |
| Memoranda: | ||
| Average total assets | $846,157,000 | 858 |
| Average earning assets | $769,019,330 | 874 |
| Average equity | $87,609,000 | 912 |
| Average total loans | $463,274,330 | 1,042 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1191% | 2,778 |
| Cost of funding earning assets | 0.6631% | 977 |
| Net interest margin | 3.4559% | 3,643 |
| Noninterest income to average assets | 0.5315% | 2,925 |
| Noninterest expense to average assets | 2.6570% | 3,554 |
| Loan and lease loss provision to assets | 0.4237% | 318 |
| Net operating income to assets | 0.5104% | 4,589 |
| Return on assets (ROA) | 0.5630% | 4,458 |
| Pretax return on assets | 0.6572% | 4,659 |
| Return on Equity (ROE) | 5.5082% | 4,223 |
| Retained earnings to average equity (ytd only) | 3.5554% | 3,716 |
| Net charge-offs to loans | 0.0223% | 2,484 |
| Credit loss provision to net charge-offs | 3,461.5385% | 120 |
| Earnings coverage of net charge-offs (x) | 83.3077% | 616 |
| Efficiency ratio | 72.2663% | 2,760 |
| Assets per employee ($millions) | 6.7467% | 990 |
| Cash dividends to net income (ytd only)* | 35.4515% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5547% | 1,771 |
| Loan loss allowance to noncurrent loans | 57.0360% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 2.8597% | 461 |
| Noncurrent loans to loans | 2.7259% | 645 |
| Net loans and leases to total assets | 53.9499% | 4,460 |
| Net loans and leases to deposits | 64.7352% | 4,362 |
| Net loans and leases to core deposits | 71.9084% | 4,066 |
| Total domestic deposits to total assets | 83.3393% | 3,775 |
| Equity capital to assets | 10.2877% | 3,761 |
| Core capital (leverage) ratio | 9.1948% | 4,603 |
| Tier 1 risk-based capital ratio | 12.4733% | 4,597 |
| Total risk-based capital ratio | 13.6426% | 4,558 |
| Memoranda: | ||
| Average total assets | $849,696,000 | 860 |
| Average earning assets | $773,282,500 | 869 |
| Average equity | $86,853,000 | 918 |
| Average total loans | $466,331,000 | 1,032 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9782% | 3,387 |
| Cost of funding earning assets | 0.6795% | 915 |
| Net interest margin | 3.2986% | 4,297 |
| Noninterest income to average assets | 0.5805% | 2,829 |
| Noninterest expense to average assets | 2.4733% | 4,314 |
| Loan and lease loss provision to assets | 0.2871% | 617 |
| Net operating income to assets | 0.7487% | 3,580 |
| Return on assets (ROA) | 0.7698% | 3,551 |
| Pretax return on assets | 0.8810% | 3,917 |
| Return on Equity (ROE) | 7.5909% | 3,197 |
| Retained earnings to average equity (ytd only) | 5.2395% | 2,248 |
| Net charge-offs to loans | 1.0289% | 195 |
| Credit loss provision to net charge-offs | 51.6685% | 3,382 |
| Earnings coverage of net charge-offs (x) | 2.0586% | 3,982 |
| Efficiency ratio | 68.3744% | 3,494 |
| Assets per employee ($millions) | 6.8493% | 942 |
| Cash dividends to net income (ytd only)* | 30.9761% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 2,586 |
| Loan loss allowance to noncurrent loans | 48.5479% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 2.9657% | 442 |
| Noncurrent loans to loans | 2.8104% | 605 |
| Net loans and leases to total assets | 54.2124% | 4,482 |
| Net loans and leases to deposits | 64.7899% | 4,413 |
| Net loans and leases to core deposits | 72.1557% | 4,117 |
| Total domestic deposits to total assets | 83.6742% | 3,600 |
| Equity capital to assets | 10.1556% | 3,800 |
| Core capital (leverage) ratio | 9.1771% | 4,649 |
| Tier 1 risk-based capital ratio | 12.4128% | 4,691 |
| Total risk-based capital ratio | 13.4420% | 4,731 |
| Memoranda: | ||
| Average total assets | $835,844,000 | 831 |
| Average earning assets | $769,498,800 | 820 |
| Average equity | $84,759,400 | 900 |
| Average total loans | $451,443,400 | 1,021 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9585% | 3,505 |
| Cost of funding earning assets | 0.6932% | 869 |
| Net interest margin | 3.2653% | 4,469 |
| Noninterest income to average assets | 0.5716% | 2,904 |
| Noninterest expense to average assets | 2.4927% | 4,217 |
| Loan and lease loss provision to assets | 0.2402% | 733 |
| Net operating income to assets | 0.7459% | 3,698 |
| Return on assets (ROA) | 0.7717% | 3,663 |
| Pretax return on assets | 0.8817% | 4,044 |
| Return on Equity (ROE) | 7.6124% | 3,279 |
| Retained earnings to average equity (ytd only) | 5.3736% | 2,660 |
| Net charge-offs to loans | 0.4516% | 559 |
| Credit loss provision to net charge-offs | 98.9446% | 2,320 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 3,341 |
| Efficiency ratio | 69.5256% | 3,288 |
| Assets per employee ($millions) | 6.4808% | 1,080 |
| Cash dividends to net income (ytd only)* | 29.4106% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8804% | 1,111 |
| Loan loss allowance to noncurrent loans | 42.0715% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 3.5329% | 362 |
| Noncurrent loans to loans | 4.4695% | 249 |
| Net loans and leases to total assets | 54.5159% | 4,510 |
| Net loans and leases to deposits | 65.6883% | 4,408 |
| Net loans and leases to core deposits | 73.5950% | 4,054 |
| Total domestic deposits to total assets | 82.9918% | 3,828 |
| Equity capital to assets | 10.4196% | 3,689 |
| Core capital (leverage) ratio | 9.1718% | 4,773 |
| Tier 1 risk-based capital ratio | 12.5593% | 4,716 |
| Total risk-based capital ratio | 13.8154% | 4,609 |
| Memoranda: | ||
| Average total assets | $832,478,250 | 840 |
| Average earning assets | $768,343,500 | 831 |
| Average equity | $84,386,250 | 912 |
| Average total loans | $447,604,500 | 1,034 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8641% | 3,816 |
| Cost of funding earning assets | 0.6927% | 872 |
| Net interest margin | 3.1715% | 4,742 |
| Noninterest income to average assets | 0.5862% | 2,816 |
| Noninterest expense to average assets | 2.4813% | 4,296 |
| Loan and lease loss provision to assets | 0.1436% | 1,511 |
| Net operating income to assets | 0.7436% | 3,671 |
| Return on assets (ROA) | 0.7760% | 3,613 |
| Pretax return on assets | 0.9318% | 3,838 |
| Return on Equity (ROE) | 7.7256% | 3,201 |
| Retained earnings to average equity (ytd only) | 5.3546% | 2,636 |
| Net charge-offs to loans | 0.4712% | 536 |
| Credit loss provision to net charge-offs | 57.3066% | 2,619 |
| Earnings coverage of net charge-offs (x) | 4.1356% | 3,085 |
| Efficiency ratio | 70.5382% | 3,254 |
| Assets per employee ($millions) | 6.4958% | 1,053 |
| Cash dividends to net income (ytd only)* | 30.6909% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8558% | 1,254 |
| Loan loss allowance to noncurrent loans | 34.1959% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 3.6153% | 387 |
| Noncurrent loans to loans | 5.4270% | 196 |
| Net loans and leases to total assets | 51.9460% | 4,759 |
| Net loans and leases to deposits | 61.9889% | 4,702 |
| Net loans and leases to core deposits | 69.5145% | 4,369 |
| Total domestic deposits to total assets | 83.7989% | 3,651 |
| Equity capital to assets | 10.1347% | 3,893 |
| Core capital (leverage) ratio | 8.9263% | 5,056 |
| Tier 1 risk-based capital ratio | 12.6249% | 4,724 |
| Total risk-based capital ratio | 13.8806% | 4,651 |
| Memoranda: | ||
| Average total assets | $835,615,670 | 840 |
| Average earning assets | $772,390,670 | 829 |
| Average equity | $83,928,330 | 913 |
| Average total loans | $444,372,330 | 1,040 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8765% | 3,717 |
| Cost of funding earning assets | 0.7022% | 844 |
| Net interest margin | 3.1743% | 4,696 |
| Noninterest income to average assets | 0.5315% | 3,082 |
| Noninterest expense to average assets | 2.3803% | 4,652 |
| Loan and lease loss provision to assets | 0.2865% | 518 |
| Net operating income to assets | 0.6918% | 3,841 |
| Return on assets (ROA) | 0.7516% | 3,668 |
| Pretax return on assets | 0.8667% | 4,001 |
| Return on Equity (ROE) | 7.5168% | 3,213 |
| Retained earnings to average equity (ytd only) | 5.5158% | 2,767 |
| Net charge-offs to loans | 0.1084% | 1,659 |
| Credit loss provision to net charge-offs | 495.8678% | 561 |
| Earnings coverage of net charge-offs (x) | 18.7686% | 1,475 |
| Efficiency ratio | 68.7018% | 3,711 |
| Assets per employee ($millions) | 6.7107% | 969 |
| Cash dividends to net income (ytd only)* | 26.6201% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0442% | 1,001 |
| Loan loss allowance to noncurrent loans | 35.8531% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 3.7789% | 413 |
| Noncurrent loans to loans | 5.7016% | 201 |
| Net loans and leases to total assets | 51.9380% | 4,669 |
| Net loans and leases to deposits | 62.0689% | 4,565 |
| Net loans and leases to core deposits | 70.0622% | 4,148 |
| Total domestic deposits to total assets | 83.6780% | 3,941 |
| Equity capital to assets | 10.1152% | 3,998 |
| Core capital (leverage) ratio | 8.9165% | 5,055 |
| Tier 1 risk-based capital ratio | 12.4155% | 4,967 |
| Total risk-based capital ratio | 13.6690% | 4,876 |
| Memoranda: | ||
| Average total assets | $837,695,000 | 840 |
| Average earning assets | $774,097,500 | 833 |
| Average equity | $83,759,500 | 912 |
| Average total loans | $446,520,500 | 1,039 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1356% | 3,179 |
| Cost of funding earning assets | 0.9087% | 372 |
| Net interest margin | 3.2269% | 4,842 |
| Noninterest income to average assets | 0.5210% | 3,353 |
| Noninterest expense to average assets | 2.3243% | 5,046 |
| Loan and lease loss provision to assets | 0.6463% | 207 |
| Net operating income to assets | 0.5896% | 4,427 |
| Return on assets (ROA) | 0.6446% | 4,271 |
| Pretax return on assets | 0.5900% | 4,973 |
| Return on Equity (ROE) | 6.2698% | 4,014 |
| Retained earnings to average equity (ytd only) | -5.7823% | 6,213 |
| Net charge-offs to loans | 0.9497% | 330 |
| Credit loss provision to net charge-offs | 125.9251% | 1,903 |
| Earnings coverage of net charge-offs (x) | 2.3019% | 4,196 |
| Efficiency ratio | 66.3021% | 4,198 |
| Assets per employee ($millions) | 6.3375% | 1,161 |
| Cash dividends to net income (ytd only)* | 192.2245% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9216% | 1,265 |
| Loan loss allowance to noncurrent loans | 47.4183% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 2.9846% | 677 |
| Noncurrent loans to loans | 4.0524% | 448 |
| Net loans and leases to total assets | 52.5561% | 4,734 |
| Net loans and leases to deposits | 63.0662% | 4,624 |
| Net loans and leases to core deposits | 71.0651% | 4,213 |
| Total domestic deposits to total assets | 83.3348% | 3,964 |
| Equity capital to assets | 9.8821% | 4,257 |
| Core capital (leverage) ratio | 9.1605% | 4,732 |
| Tier 1 risk-based capital ratio | 13.7759% | 4,250 |
| Total risk-based capital ratio | 15.0299% | 4,183 |
| Memoranda: | ||
| Average total assets | $832,027,200 | 809 |
| Average earning assets | $769,561,400 | 790 |
| Average equity | $85,537,600 | 862 |
| Average total loans | $449,630,200 | 981 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1543% | 3,158 |
| Cost of funding earning assets | 0.9577% | 296 |
| Net interest margin | 3.1966% | 4,975 |
| Noninterest income to average assets | 0.5250% | 3,365 |
| Noninterest expense to average assets | 2.3309% | 5,025 |
| Loan and lease loss provision to assets | 0.7665% | 164 |
| Net operating income to assets | 0.4726% | 4,982 |
| Return on assets (ROA) | 0.5310% | 4,829 |
| Pretax return on assets | 0.4403% | 5,497 |
| Return on Equity (ROE) | 5.1150% | 4,670 |
| Retained earnings to average equity (ytd only) | 1.8998% | 5,102 |
| Net charge-offs to loans | 1.1541% | 241 |
| Credit loss provision to net charge-offs | 122.6444% | 1,880 |
| Earnings coverage of net charge-offs (x) | 1.8375% | 4,067 |
| Efficiency ratio | 66.9926% | 4,047 |
| Assets per employee ($millions) | 6.4062% | 1,077 |
| Cash dividends to net income (ytd only)* | 62.8588% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8610% | 1,546 |
| Loan loss allowance to noncurrent loans | 43.5566% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 3.3690% | 643 |
| Noncurrent loans to loans | 4.2725% | 470 |
| Net loans and leases to total assets | 54.8079% | 4,483 |
| Net loans and leases to deposits | 66.5437% | 4,277 |
| Net loans and leases to core deposits | 75.4911% | 3,806 |
| Total domestic deposits to total assets | 82.3638% | 4,352 |
| Equity capital to assets | 10.9777% | 2,982 |
| Core capital (leverage) ratio | 9.8925% | 3,829 |
| Tier 1 risk-based capital ratio | 15.0697% | 3,549 |
| Total risk-based capital ratio | 16.3233% | 3,483 |
| Memoranda: | ||
| Average total assets | $830,895,750 | 816 |
| Average earning assets | $767,926,750 | 796 |
| Average equity | $86,254,750 | 861 |
| Average total loans | $449,969,250 | 985 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1033% | 3,329 |
| Cost of funding earning assets | 0.9869% | 274 |
| Net interest margin | 3.1164% | 5,206 |
| Noninterest income to average assets | 0.5517% | 3,105 |
| Noninterest expense to average assets | 2.2401% | 5,310 |
| Loan and lease loss provision to assets | 0.9244% | 123 |
| Net operating income to assets | 0.2100% | 5,803 |
| Return on assets (ROA) | 0.2771% | 5,717 |
| Pretax return on assets | 0.3393% | 5,699 |
| Return on Equity (ROE) | 2.7191% | 5,618 |
| Retained earnings to average equity (ytd only) | -1.1536% | 5,875 |
| Net charge-offs to loans | 1.6064% | 163 |
| Credit loss provision to net charge-offs | 107.3367% | 1,865 |
| Earnings coverage of net charge-offs (x) | 1.3724% | 3,823 |
| Efficiency ratio | 65.4613% | 4,451 |
| Assets per employee ($millions) | 6.6794% | 932 |
| Cash dividends to net income (ytd only)* | 142.4269% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7307% | 2,034 |
| Loan loss allowance to noncurrent loans | 44.5617% | 5,374 |
| Noncurrent assets plus other real estate owned to assets | 3.1261% | 809 |
| Noncurrent loans to loans | 3.8839% | 624 |
| Net loans and leases to total assets | 52.8532% | 4,656 |
| Net loans and leases to deposits | 63.2513% | 4,569 |
| Net loans and leases to core deposits | 71.6384% | 4,084 |
| Total domestic deposits to total assets | 83.5608% | 4,086 |
| Equity capital to assets | 10.3038% | 3,688 |
| Core capital (leverage) ratio | 9.5414% | 4,263 |
| Tier 1 risk-based capital ratio | 14.5231% | 3,913 |
| Total risk-based capital ratio | 15.7752% | 3,852 |
| Memoranda: | ||
| Average total assets | $838,800,670 | 806 |
| Average earning assets | $772,550,000 | 796 |
| Average equity | $85,469,670 | 862 |
| Average total loans | $449,696,330 | 978 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0851% | 3,350 |
| Cost of funding earning assets | 1.0221% | 248 |
| Net interest margin | 3.0631% | 5,352 |
| Noninterest income to average assets | 0.5100% | 3,329 |
| Noninterest expense to average assets | 2.2247% | 5,399 |
| Loan and lease loss provision to assets | 0.4282% | 388 |
| Net operating income to assets | 0.6742% | 3,821 |
| Return on assets (ROA) | 0.6775% | 3,883 |
| Pretax return on assets | 0.6894% | 4,521 |
| Return on Equity (ROE) | 6.6862% | 3,645 |
| Retained earnings to average equity (ytd only) | 4.9020% | 3,169 |
| Net charge-offs to loans | 0.2462% | 1,335 |
| Credit loss provision to net charge-offs | 324.9097% | 758 |
| Earnings coverage of net charge-offs (x) | 8.4549% | 2,021 |
| Efficiency ratio | 66.6287% | 4,425 |
| Assets per employee ($millions) | 6.7519% | 899 |
| Cash dividends to net income (ytd only)* | 26.6854% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7917% | 2,066 |
| Loan loss allowance to noncurrent loans | 47.2867% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 3.0221% | 945 |
| Noncurrent loans to loans | 3.7891% | 740 |
| Net loans and leases to total assets | 53.2246% | 4,524 |
| Net loans and leases to deposits | 63.6679% | 4,354 |
| Net loans and leases to core deposits | 72.2098% | 3,852 |
| Total domestic deposits to total assets | 83.5972% | 4,420 |
| Equity capital to assets | 10.3083% | 3,458 |
| Core capital (leverage) ratio | 9.8037% | 3,856 |
| Tier 1 risk-based capital ratio | 14.6587% | 3,915 |
| Total risk-based capital ratio | 15.9113% | 3,865 |
| Memoranda: | ||
| Average total assets | $840,736,500 | 809 |
| Average earning assets | $776,476,500 | 796 |
| Average equity | $85,190,000 | 864 |
| Average total loans | $450,015,000 | 976 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3976% | 2,597 |
| Cost of funding earning assets | 1.1544% | 223 |
| Net interest margin | 3.2432% | 4,856 |
| Noninterest income to average assets | 0.4145% | 4,346 |
| Noninterest expense to average assets | 2.1169% | 5,793 |
| Loan and lease loss provision to assets | 0.4436% | 660 |
| Net operating income to assets | 0.7336% | 3,642 |
| Return on assets (ROA) | 0.7922% | 3,431 |
| Pretax return on assets | 0.9352% | 3,617 |
| Return on Equity (ROE) | 7.8471% | 3,117 |
| Retained earnings to average equity (ytd only) | 6.0661% | 1,931 |
| Net charge-offs to loans | 1.0382% | 546 |
| Credit loss provision to net charge-offs | 78.1250% | 3,093 |
| Earnings coverage of net charge-offs (x) | 2.3069% | 4,241 |
| Efficiency ratio | 61.7764% | 5,247 |
| Assets per employee ($millions) | 6.8083% | 843 |
| Cash dividends to net income (ytd only)* | 22.6967% | 3,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6821% | 2,456 |
| Loan loss allowance to noncurrent loans | 44.5757% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 2.9912% | 1,062 |
| Noncurrent loans to loans | 3.7736% | 787 |
| Net loans and leases to total assets | 51.9733% | 4,851 |
| Net loans and leases to deposits | 62.0028% | 4,718 |
| Net loans and leases to core deposits | 70.2696% | 4,268 |
| Total domestic deposits to total assets | 83.8240% | 4,232 |
| Equity capital to assets | 9.9587% | 3,827 |
| Core capital (leverage) ratio | 9.4278% | 4,373 |
| Tier 1 risk-based capital ratio | 14.6541% | 3,865 |
| Total risk-based capital ratio | 15.9056% | 3,808 |
| Memoranda: | ||
| Average total assets | $845,377,200 | 785 |
| Average earning assets | $785,175,400 | 769 |
| Average equity | $85,343,200 | 837 |
| Average total loans | $462,322,600 | 916 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4587% | 2,387 |
| Cost of funding earning assets | 1.1750% | 222 |
| Net interest margin | 3.2838% | 4,701 |
| Noninterest income to average assets | 0.3733% | 4,724 |
| Noninterest expense to average assets | 2.1026% | 5,823 |
| Loan and lease loss provision to assets | 0.4493% | 635 |
| Net operating income to assets | 0.6991% | 3,865 |
| Return on assets (ROA) | 0.7667% | 3,656 |
| Pretax return on assets | 0.9556% | 3,667 |
| Return on Equity (ROE) | 7.5693% | 3,336 |
| Retained earnings to average equity (ytd only) | 5.7948% | 2,544 |
| Net charge-offs to loans | 1.0113% | 560 |
| Credit loss provision to net charge-offs | 80.5768% | 2,835 |
| Earnings coverage of net charge-offs (x) | 2.3678% | 4,044 |
| Efficiency ratio | 61.4251% | 5,212 |
| Assets per employee ($millions) | 6.9901% | 753 |
| Cash dividends to net income (ytd only)* | 23.4423% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6988% | 2,624 |
| Loan loss allowance to noncurrent loans | 44.6823% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 3.2559% | 1,088 |
| Noncurrent loans to loans | 3.8018% | 952 |
| Net loans and leases to total assets | 52.5344% | 4,815 |
| Net loans and leases to deposits | 62.6747% | 4,675 |
| Net loans and leases to core deposits | 70.8960% | 4,224 |
| Total domestic deposits to total assets | 83.8208% | 4,271 |
| Equity capital to assets | 9.7102% | 4,290 |
| Core capital (leverage) ratio | 9.4230% | 4,509 |
| Tier 1 risk-based capital ratio | 14.5902% | 4,022 |
| Total risk-based capital ratio | 15.8426% | 3,973 |
| Memoranda: | ||
| Average total assets | $845,663,000 | 788 |
| Average earning assets | $785,374,000 | 773 |
| Average equity | $85,660,250 | 836 |
| Average total loans | $466,332,500 | 916 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5468% | 2,041 |
| Cost of funding earning assets | 1.1996% | 216 |
| Net interest margin | 3.3472% | 4,388 |
| Noninterest income to average assets | 0.3079% | 5,242 |
| Noninterest expense to average assets | 2.1635% | 5,719 |
| Loan and lease loss provision to assets | 0.4293% | 698 |
| Net operating income to assets | 0.6671% | 3,985 |
| Return on assets (ROA) | 0.7531% | 3,702 |
| Pretax return on assets | 0.9375% | 3,755 |
| Return on Equity (ROE) | 7.3307% | 3,428 |
| Retained earnings to average equity (ytd only) | 5.5665% | 2,695 |
| Net charge-offs to loans | 1.1717% | 499 |
| Credit loss provision to net charge-offs | 65.7414% | 2,920 |
| Earnings coverage of net charge-offs (x) | 1.9284% | 3,876 |
| Efficiency ratio | 63.2107% | 4,979 |
| Assets per employee ($millions) | 6.7072% | 823 |
| Cash dividends to net income (ytd only)* | 24.0659% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6557% | 2,957 |
| Loan loss allowance to noncurrent loans | 42.7978% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 3.5454% | 1,071 |
| Noncurrent loans to loans | 3.8686% | 1,034 |
| Net loans and leases to total assets | 53.5432% | 4,652 |
| Net loans and leases to deposits | 64.2454% | 4,467 |
| Net loans and leases to core deposits | 73.2321% | 3,898 |
| Total domestic deposits to total assets | 83.3416% | 4,573 |
| Equity capital to assets | 10.0186% | 3,894 |
| Core capital (leverage) ratio | 9.4819% | 4,275 |
| Tier 1 risk-based capital ratio | 14.4671% | 4,125 |
| Total risk-based capital ratio | 15.7189% | 4,081 |
| Memoranda: | ||
| Average total assets | $838,627,000 | 795 |
| Average earning assets | $780,419,670 | 776 |
| Average equity | $86,158,670 | 823 |
| Average total loans | $467,369,330 | 908 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6252% | 1,758 |
| Cost of funding earning assets | 1.2264% | 207 |
| Net interest margin | 3.3988% | 4,122 |
| Noninterest income to average assets | 0.3304% | 5,057 |
| Noninterest expense to average assets | 2.2677% | 5,510 |
| Loan and lease loss provision to assets | 0.4309% | 688 |
| Net operating income to assets | 0.7106% | 3,636 |
| Return on assets (ROA) | 0.8197% | 3,187 |
| Pretax return on assets | 0.9246% | 3,671 |
| Return on Equity (ROE) | 7.8800% | 3,037 |
| Retained earnings to average equity (ytd only) | 6.1309% | 2,608 |
| Net charge-offs to loans | 1.1236% | 532 |
| Credit loss provision to net charge-offs | 68.0272% | 2,322 |
| Earnings coverage of net charge-offs (x) | 1.9463% | 3,191 |
| Efficiency ratio | 64.7791% | 4,868 |
| Assets per employee ($millions) | 6.7809% | 856 |
| Cash dividends to net income (ytd only)* | 22.1963% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7528% | 2,796 |
| Loan loss allowance to noncurrent loans | 68.5404% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 2.9767% | 1,508 |
| Noncurrent loans to loans | 2.5573% | 2,020 |
| Net loans and leases to total assets | 54.6574% | 4,302 |
| Net loans and leases to deposits | 65.8681% | 4,069 |
| Net loans and leases to core deposits | 75.3013% | 3,414 |
| Total domestic deposits to total assets | 82.9800% | 4,861 |
| Equity capital to assets | 10.4894% | 3,554 |
| Core capital (leverage) ratio | 9.4247% | 4,202 |
| Tier 1 risk-based capital ratio | 14.4907% | 4,181 |
| Total risk-based capital ratio | 15.7537% | 4,141 |
| Memoranda: | ||
| Average total assets | $835,388,000 | 804 |
| Average earning assets | $779,206,500 | 784 |
| Average equity | $86,904,000 | 824 |
| Average total loans | $470,997,000 | 899 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7335% | 2,453 |
| Cost of funding earning assets | 1.5072% | 158 |
| Net interest margin | 3.2263% | 5,504 |
| Noninterest income to average assets | 0.4935% | 3,942 |
| Noninterest expense to average assets | 2.1003% | 6,128 |
| Loan and lease loss provision to assets | 0.5683% | 994 |
| Net operating income to assets | 0.7423% | 3,544 |
| Return on assets (ROA) | 0.7952% | 3,553 |
| Pretax return on assets | 0.8829% | 3,983 |
| Return on Equity (ROE) | 8.0512% | 3,058 |
| Retained earnings to average equity (ytd only) | 6.2290% | 1,961 |
| Net charge-offs to loans | 0.7917% | 1,480 |
| Credit loss provision to net charge-offs | 127.3210% | 2,215 |
| Earnings coverage of net charge-offs (x) | 3.1196% | 3,874 |
| Efficiency ratio | 60.1309% | 5,519 |
| Assets per employee ($millions) | 6.8584% | 828 |
| Cash dividends to net income (ytd only)* | 22.6325% | 3,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7900% | 2,622 |
| Loan loss allowance to noncurrent loans | 63.6276% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 3.1052% | 1,516 |
| Noncurrent loans to loans | 2.8132% | 1,872 |
| Net loans and leases to total assets | 56.1038% | 4,273 |
| Net loans and leases to deposits | 67.0201% | 4,132 |
| Net loans and leases to core deposits | 76.3769% | 3,482 |
| Total domestic deposits to total assets | 83.7119% | 4,435 |
| Equity capital to assets | 10.3166% | 3,735 |
| Core capital (leverage) ratio | 9.2063% | 4,573 |
| Tier 1 risk-based capital ratio | 13.9276% | 4,425 |
| Total risk-based capital ratio | 15.1879% | 4,394 |
| Memoranda: | ||
| Average total assets | $844,565,600 | 775 |
| Average earning assets | $785,141,400 | 759 |
| Average equity | $83,416,000 | 842 |
| Average total loans | $476,184,800 | 861 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7218% | 2,703 |
| Cost of funding earning assets | 1.5613% | 150 |
| Net interest margin | 3.1606% | 5,795 |
| Noninterest income to average assets | 0.5302% | 3,746 |
| Noninterest expense to average assets | 2.1520% | 6,060 |
| Loan and lease loss provision to assets | 0.6143% | 879 |
| Net operating income to assets | 0.6394% | 4,194 |
| Return on assets (ROA) | 0.6867% | 4,227 |
| Pretax return on assets | 0.7518% | 4,672 |
| Return on Equity (ROE) | 7.0301% | 3,794 |
| Retained earnings to average equity (ytd only) | 5.1920% | 3,227 |
| Net charge-offs to loans | 0.7032% | 1,572 |
| Credit loss provision to net charge-offs | 155.4404% | 1,811 |
| Earnings coverage of net charge-offs (x) | 3.3252% | 3,687 |
| Efficiency ratio | 62.0876% | 5,134 |
| Assets per employee ($millions) | 6.8438% | 795 |
| Cash dividends to net income (ytd only)* | 26.1467% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8618% | 2,610 |
| Loan loss allowance to noncurrent loans | 81.1669% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 2.6990% | 1,957 |
| Noncurrent loans to loans | 2.2938% | 2,519 |
| Net loans and leases to total assets | 55.8362% | 4,483 |
| Net loans and leases to deposits | 67.2502% | 4,300 |
| Net loans and leases to core deposits | 76.5430% | 3,665 |
| Total domestic deposits to total assets | 83.0275% | 4,629 |
| Equity capital to assets | 10.1288% | 4,318 |
| Core capital (leverage) ratio | 9.0878% | 4,930 |
| Tier 1 risk-based capital ratio | 13.9291% | 4,582 |
| Total risk-based capital ratio | 15.1768% | 4,542 |
| Memoranda: | ||
| Average total assets | $846,526,500 | 783 |
| Average earning assets | $786,341,250 | 762 |
| Average equity | $82,689,750 | 851 |
| Average total loans | $475,733,750 | 869 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7048% | 2,895 |
| Cost of funding earning assets | 1.6411% | 128 |
| Net interest margin | 3.0637% | 6,090 |
| Noninterest income to average assets | 0.5308% | 3,721 |
| Noninterest expense to average assets | 2.2243% | 5,942 |
| Loan and lease loss provision to assets | 0.7075% | 765 |
| Net operating income to assets | 0.4912% | 4,858 |
| Return on assets (ROA) | 0.5558% | 4,837 |
| Pretax return on assets | 0.5072% | 5,419 |
| Return on Equity (ROE) | 5.7606% | 4,443 |
| Retained earnings to average equity (ytd only) | 3.9031% | 4,014 |
| Net charge-offs to loans | 0.8798% | 1,249 |
| Credit loss provision to net charge-offs | 143.6782% | 1,928 |
| Earnings coverage of net charge-offs (x) | 2.3357% | 3,833 |
| Efficiency ratio | 65.9166% | 4,547 |
| Assets per employee ($millions) | 6.8673% | 779 |
| Cash dividends to net income (ytd only)* | 32.2444% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8012% | 2,853 |
| Loan loss allowance to noncurrent loans | 48.9188% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 3.4397% | 1,554 |
| Noncurrent loans to loans | 3.6821% | 1,545 |
| Net loans and leases to total assets | 54.4606% | 4,713 |
| Net loans and leases to deposits | 65.3122% | 4,599 |
| Net loans and leases to core deposits | 74.3244% | 3,979 |
| Total domestic deposits to total assets | 83.3850% | 4,581 |
| Equity capital to assets | 9.8006% | 4,625 |
| Core capital (leverage) ratio | 9.0525% | 4,834 |
| Tier 1 risk-based capital ratio | 13.7975% | 4,596 |
| Total risk-based capital ratio | 15.0315% | 4,580 |
| Memoranda: | ||
| Average total assets | $848,105,000 | 780 |
| Average earning assets | $787,147,000 | 764 |
| Average equity | $81,832,000 | 847 |
| Average total loans | $474,664,670 | 871 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7807% | 2,712 |
| Cost of funding earning assets | 1.6824% | 132 |
| Net interest margin | 3.0983% | 6,047 |
| Noninterest income to average assets | 0.4895% | 3,982 |
| Noninterest expense to average assets | 2.0353% | 6,400 |
| Loan and lease loss provision to assets | 0.7060% | 740 |
| Net operating income to assets | 0.5175% | 4,748 |
| Return on assets (ROA) | 0.5761% | 4,689 |
| Pretax return on assets | 0.6914% | 4,824 |
| Return on Equity (ROE) | 6.0180% | 4,279 |
| Retained earnings to average equity (ytd only) | 4.1497% | 4,102 |
| Net charge-offs to loans | 0.5626% | 1,678 |
| Credit loss provision to net charge-offs | 223.2143% | 1,248 |
| Earnings coverage of net charge-offs (x) | 4.1949% | 2,638 |
| Efficiency ratio | 60.5348% | 5,539 |
| Assets per employee ($millions) | 6.8358% | 821 |
| Cash dividends to net income (ytd only)* | 31.0458% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7777% | 3,064 |
| Loan loss allowance to noncurrent loans | 66.2123% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 3.2147% | 1,801 |
| Noncurrent loans to loans | 2.6849% | 2,427 |
| Net loans and leases to total assets | 54.4541% | 4,645 |
| Net loans and leases to deposits | 65.4168% | 4,447 |
| Net loans and leases to core deposits | 74.0408% | 3,898 |
| Total domestic deposits to total assets | 83.2418% | 4,836 |
| Equity capital to assets | 9.6406% | 4,599 |
| Core capital (leverage) ratio | 9.0273% | 4,796 |
| Tier 1 risk-based capital ratio | 13.5163% | 4,815 |
| Total risk-based capital ratio | 14.7403% | 4,822 |
| Memoranda: | ||
| Average total assets | $849,815,500 | 779 |
| Average earning assets | $787,919,000 | 764 |
| Average equity | $81,356,000 | 851 |
| Average total loans | $477,768,000 | 862 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0567% | 2,624 |
| Cost of funding earning assets | 1.8472% | 182 |
| Net interest margin | 3.2095% | 6,066 |
| Noninterest income to average assets | 0.5389% | 3,591 |
| Noninterest expense to average assets | 1.9791% | 6,709 |
| Loan and lease loss provision to assets | 1.0601% | 868 |
| Net operating income to assets | 0.4305% | 4,734 |
| Return on assets (ROA) | 0.5598% | 4,375 |
| Pretax return on assets | 0.6379% | 4,566 |
| Return on Equity (ROE) | 5.9284% | 3,903 |
| Retained earnings to average equity (ytd only) | 3.9964% | 3,347 |
| Net charge-offs to loans | 1.8365% | 793 |
| Credit loss provision to net charge-offs | 94.9479% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.3892% | 4,727 |
| Efficiency ratio | 56.0617% | 6,311 |
| Assets per employee ($millions) | 7.0412% | 716 |
| Cash dividends to net income (ytd only)* | 32.5901% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5498% | 3,794 |
| Loan loss allowance to noncurrent loans | 35.7836% | 5,853 |
| Noncurrent assets plus other real estate owned to assets | 4.0391% | 1,420 |
| Noncurrent loans to loans | 4.3311% | 1,400 |
| Net loans and leases to total assets | 56.1134% | 4,678 |
| Net loans and leases to deposits | 66.9222% | 4,599 |
| Net loans and leases to core deposits | 76.0767% | 3,970 |
| Total domestic deposits to total assets | 83.8487% | 4,383 |
| Equity capital to assets | 9.5065% | 4,880 |
| Core capital (leverage) ratio | 8.8370% | 5,045 |
| Tier 1 risk-based capital ratio | 13.4016% | 4,769 |
| Total risk-based capital ratio | 14.6542% | 4,736 |
| Memoranda: | ||
| Average total assets | $833,189,600 | 784 |
| Average earning assets | $776,568,800 | 760 |
| Average equity | $78,671,600 | 857 |
| Average total loans | $506,562,800 | 822 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0967% | 2,619 |
| Cost of funding earning assets | 1.8817% | 190 |
| Net interest margin | 3.2150% | 6,126 |
| Noninterest income to average assets | 0.5333% | 3,629 |
| Noninterest expense to average assets | 2.0123% | 6,666 |
| Loan and lease loss provision to assets | 1.0996% | 747 |
| Net operating income to assets | 0.3842% | 5,066 |
| Return on assets (ROA) | 0.5299% | 4,597 |
| Pretax return on assets | 0.5803% | 4,881 |
| Return on Equity (ROE) | 5.6224% | 4,224 |
| Retained earnings to average equity (ytd only) | 3.6760% | 4,135 |
| Net charge-offs to loans | 1.7798% | 756 |
| Credit loss provision to net charge-offs | 100.0146% | 3,365 |
| Earnings coverage of net charge-offs (x) | 1.3823% | 4,590 |
| Efficiency ratio | 56.9710% | 6,151 |
| Assets per employee ($millions) | 6.8721% | 786 |
| Cash dividends to net income (ytd only)* | 34.6188% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5990% | 3,674 |
| Loan loss allowance to noncurrent loans | 49.8069% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 3.5678% | 1,758 |
| Noncurrent loans to loans | 3.2104% | 2,167 |
| Net loans and leases to total assets | 59.1905% | 4,290 |
| Net loans and leases to deposits | 71.0971% | 4,126 |
| Net loans and leases to core deposits | 81.0505% | 3,478 |
| Total domestic deposits to total assets | 83.2531% | 4,584 |
| Equity capital to assets | 9.7730% | 4,664 |
| Core capital (leverage) ratio | 8.9927% | 4,943 |
| Tier 1 risk-based capital ratio | 13.1591% | 4,983 |
| Total risk-based capital ratio | 14.3995% | 4,965 |
| Memoranda: | ||
| Average total assets | $828,490,250 | 794 |
| Average earning assets | $772,769,750 | 776 |
| Average equity | $78,091,000 | 869 |
| Average total loans | $511,802,250 | 827 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0806% | 2,769 |
| Cost of funding earning assets | 1.8971% | 208 |
| Net interest margin | 3.1835% | 6,212 |
| Noninterest income to average assets | 0.5320% | 3,619 |
| Noninterest expense to average assets | 2.0225% | 6,743 |
| Loan and lease loss provision to assets | 1.3373% | 550 |
| Net operating income to assets | 0.1880% | 5,778 |
| Return on assets (ROA) | 0.4061% | 5,078 |
| Pretax return on assets | 0.3647% | 5,502 |
| Return on Equity (ROE) | 4.3618% | 4,755 |
| Retained earnings to average equity (ytd only) | 2.3886% | 4,772 |
| Net charge-offs to loans | 2.4182% | 507 |
| Credit loss provision to net charge-offs | 88.7410% | 3,495 |
| Earnings coverage of net charge-offs (x) | 0.9848% | 4,558 |
| Efficiency ratio | 57.6785% | 6,205 |
| Assets per employee ($millions) | 6.9884% | 728 |
| Cash dividends to net income (ytd only)* | 45.2381% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4505% | 4,345 |
| Loan loss allowance to noncurrent loans | 56.7273% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 3.1315% | 2,142 |
| Noncurrent loans to loans | 2.5569% | 2,822 |
| Net loans and leases to total assets | 60.0962% | 4,254 |
| Net loans and leases to deposits | 71.6120% | 4,183 |
| Net loans and leases to core deposits | 82.1460% | 3,481 |
| Total domestic deposits to total assets | 83.9191% | 4,385 |
| Equity capital to assets | 9.4934% | 4,825 |
| Core capital (leverage) ratio | 8.7768% | 5,084 |
| Tier 1 risk-based capital ratio | 12.8364% | 5,061 |
| Total risk-based capital ratio | 14.0874% | 5,037 |
| Memoranda: | ||
| Average total assets | $827,479,330 | 807 |
| Average earning assets | $773,176,670 | 778 |
| Average equity | $77,033,000 | 881 |
| Average total loans | $515,676,000 | 831 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0892% | 2,691 |
| Cost of funding earning assets | 1.9037% | 243 |
| Net interest margin | 3.1854% | 6,113 |
| Noninterest income to average assets | 0.5361% | 3,612 |
| Noninterest expense to average assets | 2.0186% | 6,802 |
| Loan and lease loss provision to assets | 1.2344% | 561 |
| Net operating income to assets | 0.2111% | 5,752 |
| Return on assets (ROA) | 0.4498% | 4,803 |
| Pretax return on assets | 0.5743% | 4,786 |
| Return on Equity (ROE) | 4.8792% | 4,464 |
| Retained earnings to average equity (ytd only) | 2.8898% | 4,427 |
| Net charge-offs to loans | 1.7292% | 762 |
| Credit loss provision to net charge-offs | 113.3363% | 2,371 |
| Earnings coverage of net charge-offs (x) | 1.3797% | 3,659 |
| Efficiency ratio | 57.3249% | 6,345 |
| Assets per employee ($millions) | 7.2845% | 643 |
| Cash dividends to net income (ytd only)* | 40.7725% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6039% | 3,711 |
| Loan loss allowance to noncurrent loans | 39.5642% | 5,652 |
| Noncurrent assets plus other real estate owned to assets | 3.2347% | 2,127 |
| Noncurrent loans to loans | 4.0539% | 1,784 |
| Net loans and leases to total assets | 61.2947% | 4,014 |
| Net loans and leases to deposits | 72.7836% | 3,949 |
| Net loans and leases to core deposits | 82.7657% | 3,343 |
| Total domestic deposits to total assets | 84.2149% | 4,403 |
| Equity capital to assets | 9.2625% | 4,794 |
| Core capital (leverage) ratio | 8.8405% | 4,872 |
| Tier 1 risk-based capital ratio | 12.7093% | 5,056 |
| Total risk-based capital ratio | 13.9617% | 5,032 |
| Memoranda: | ||
| Average total assets | $828,902,500 | 809 |
| Average earning assets | $776,785,500 | 782 |
| Average equity | $76,406,500 | 877 |
| Average total loans | $522,080,500 | 828 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4699% | 2,407 |
| Cost of funding earning assets | 2.1308% | 382 |
| Net interest margin | 3.3391% | 5,838 |
| Noninterest income to average assets | 0.4999% | 4,169 |
| Noninterest expense to average assets | 1.8849% | 7,178 |
| Loan and lease loss provision to assets | 1.2230% | 1,280 |
| Net operating income to assets | 0.4832% | 4,183 |
| Return on assets (ROA) | 0.5364% | 4,093 |
| Pretax return on assets | 0.5833% | 4,376 |
| Return on Equity (ROE) | 5.7099% | 3,730 |
| Retained earnings to average equity (ytd only) | 1.4455% | 4,809 |
| Net charge-offs to loans | 1.8281% | 1,148 |
| Credit loss provision to net charge-offs | 102.2309% | 4,429 |
| Earnings coverage of net charge-offs (x) | 1.4616% | 4,660 |
| Efficiency ratio | 51.8769% | 6,996 |
| Assets per employee ($millions) | 7.2576% | 662 |
| Cash dividends to net income (ytd only)* | 74.6847% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5177% | 3,910 |
| Loan loss allowance to noncurrent loans | 37.5064% | 5,810 |
| Noncurrent assets plus other real estate owned to assets | 3.0599% | 2,308 |
| Noncurrent loans to loans | 4.0465% | 1,789 |
| Net loans and leases to total assets | 62.7114% | 4,127 |
| Net loans and leases to deposits | 74.3549% | 4,136 |
| Net loans and leases to core deposits | 84.6564% | 3,500 |
| Total domestic deposits to total assets | 84.3407% | 4,206 |
| Equity capital to assets | 9.1729% | 4,882 |
| Core capital (leverage) ratio | 8.8613% | 4,762 |
| Tier 1 risk-based capital ratio | 12.3939% | 5,121 |
| Total risk-based capital ratio | 13.6454% | 5,094 |
| Memoranda: | ||
| Average total assets | $813,087,000 | 833 |
| Average earning assets | $763,029,200 | 800 |
| Average equity | $76,376,000 | 862 |
| Average total loans | $532,094,400 | 843 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5030% | 2,424 |
| Cost of funding earning assets | 2.1692% | 416 |
| Net interest margin | 3.3338% | 5,917 |
| Noninterest income to average assets | 0.5050% | 4,140 |
| Noninterest expense to average assets | 1.9112% | 7,192 |
| Loan and lease loss provision to assets | 1.2755% | 1,105 |
| Net operating income to assets | 0.4200% | 4,660 |
| Return on assets (ROA) | 0.4925% | 4,546 |
| Pretax return on assets | 0.5231% | 4,847 |
| Return on Equity (ROE) | 5.2114% | 4,193 |
| Retained earnings to average equity (ytd only) | 1.6697% | 5,123 |
| Net charge-offs to loans | 1.9899% | 950 |
| Credit loss provision to net charge-offs | 97.2742% | 4,459 |
| Earnings coverage of net charge-offs (x) | 1.3129% | 4,765 |
| Efficiency ratio | 52.6115% | 6,925 |
| Assets per employee ($millions) | 6.6536% | 901 |
| Cash dividends to net income (ytd only)* | 67.9599% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 4,363 |
| Loan loss allowance to noncurrent loans | 57.9775% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 2.0703% | 3,375 |
| Noncurrent loans to loans | 2.4451% | 3,182 |
| Net loans and leases to total assets | 65.3192% | 3,841 |
| Net loans and leases to deposits | 78.4744% | 3,742 |
| Net loans and leases to core deposits | 89.7158% | 3,139 |
| Total domestic deposits to total assets | 83.2364% | 4,487 |
| Equity capital to assets | 9.7646% | 4,457 |
| Core capital (leverage) ratio | 8.8796% | 4,877 |
| Tier 1 risk-based capital ratio | 11.7746% | 5,667 |
| Total risk-based capital ratio | 13.0085% | 5,650 |
| Memoranda: | ||
| Average total assets | $809,516,500 | 837 |
| Average earning assets | $759,468,250 | 805 |
| Average equity | $76,496,500 | 864 |
| Average total loans | $533,405,250 | 850 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5251% | 2,424 |
| Cost of funding earning assets | 2.2033% | 460 |
| Net interest margin | 3.3219% | 5,936 |
| Noninterest income to average assets | 0.5186% | 3,964 |
| Noninterest expense to average assets | 1.8000% | 7,386 |
| Loan and lease loss provision to assets | 1.6262% | 798 |
| Net operating income to assets | 0.2843% | 5,244 |
| Return on assets (ROA) | 0.3704% | 5,053 |
| Pretax return on assets | 0.2954% | 5,513 |
| Return on Equity (ROE) | 3.9635% | 4,790 |
| Retained earnings to average equity (ytd only) | -0.2929% | 5,792 |
| Net charge-offs to loans | 2.7619% | 594 |
| Credit loss provision to net charge-offs | 89.5194% | 4,438 |
| Earnings coverage of net charge-offs (x) | 1.0105% | 4,778 |
| Efficiency ratio | 49.5116% | 7,257 |
| Assets per employee ($millions) | 6.7491% | 862 |
| Cash dividends to net income (ytd only)* | 107.3901% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 4,816 |
| Loan loss allowance to noncurrent loans | 45.2042% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 2.2667% | 3,173 |
| Noncurrent loans to loans | 2.9153% | 2,742 |
| Net loans and leases to total assets | 63.7345% | 4,311 |
| Net loans and leases to deposits | 75.6439% | 4,394 |
| Net loans and leases to core deposits | 85.5772% | 3,894 |
| Total domestic deposits to total assets | 84.2560% | 3,985 |
| Equity capital to assets | 9.2392% | 5,096 |
| Core capital (leverage) ratio | 8.6909% | 5,089 |
| Tier 1 risk-based capital ratio | 12.1234% | 5,192 |
| Total risk-based capital ratio | 13.3185% | 5,219 |
| Memoranda: | ||
| Average total assets | $810,992,330 | 841 |
| Average earning assets | $760,957,330 | 807 |
| Average equity | $75,790,670 | 865 |
| Average total loans | $533,393,670 | 857 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5721% | 2,277 |
| Cost of funding earning assets | 2.2672% | 473 |
| Net interest margin | 3.3049% | 5,954 |
| Noninterest income to average assets | 0.5323% | 3,795 |
| Noninterest expense to average assets | 1.8385% | 7,424 |
| Loan and lease loss provision to assets | 1.5905% | 727 |
| Net operating income to assets | 0.2878% | 5,341 |
| Return on assets (ROA) | 0.3121% | 5,374 |
| Pretax return on assets | 0.2286% | 5,802 |
| Return on Equity (ROE) | 3.3206% | 5,196 |
| Retained earnings to average equity (ytd only) | 1.1368% | 5,363 |
| Net charge-offs to loans | 4.7046% | 265 |
| Credit loss provision to net charge-offs | 50.9311% | 4,467 |
| Earnings coverage of net charge-offs (x) | 0.5747% | 4,519 |
| Efficiency ratio | 50.6019% | 7,272 |
| Assets per employee ($millions) | 6.7596% | 884 |
| Cash dividends to net income (ytd only)* | 65.7643% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8842% | 6,887 |
| Loan loss allowance to noncurrent loans | 42.5709% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 1.7275% | 3,884 |
| Noncurrent loans to loans | 2.0770% | 3,681 |
| Net loans and leases to total assets | 64.3602% | 4,251 |
| Net loans and leases to deposits | 76.4303% | 4,334 |
| Net loans and leases to core deposits | 86.9981% | 3,753 |
| Total domestic deposits to total assets | 84.2078% | 4,045 |
| Equity capital to assets | 9.2948% | 4,837 |
| Core capital (leverage) ratio | 8.9538% | 4,641 |
| Tier 1 risk-based capital ratio | 11.6365% | 5,545 |
| Total risk-based capital ratio | 12.4015% | 5,970 |
| Memoranda: | ||
| Average total assets | $804,796,000 | 866 |
| Average earning assets | $755,114,000 | 836 |
| Average equity | $75,649,000 | 874 |
| Average total loans | $534,196,500 | 880 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9042% | 2,213 |
| Cost of funding earning assets | 2.7471% | 521 |
| Net interest margin | 3.1571% | 6,210 |
| Noninterest income to average assets | 0.4886% | 4,500 |
| Noninterest expense to average assets | 1.8722% | 7,539 |
| Loan and lease loss provision to assets | 1.2397% | 1,858 |
| Net operating income to assets | 0.3587% | 4,291 |
| Return on assets (ROA) | 0.4878% | 3,880 |
| Pretax return on assets | 0.4777% | 4,252 |
| Return on Equity (ROE) | 6.0128% | 3,204 |
| Retained earnings to average equity (ytd only) | 3.2304% | 2,897 |
| Net charge-offs to loans | 1.8480% | 1,350 |
| Credit loss provision to net charge-offs | 97.3794% | 5,710 |
| Earnings coverage of net charge-offs (x) | 1.2476% | 4,878 |
| Efficiency ratio | 54.1038% | 7,219 |
| Assets per employee ($millions) | 6.2832% | 1,090 |
| Cash dividends to net income (ytd only)* | 46.2746% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4478% | 3,991 |
| Loan loss allowance to noncurrent loans | 67.2459% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 1.8807% | 3,553 |
| Noncurrent loans to loans | 2.1530% | 3,450 |
| Net loans and leases to total assets | 66.8841% | 3,955 |
| Net loans and leases to deposits | 80.4207% | 3,907 |
| Net loans and leases to core deposits | 111.8481% | 2,711 |
| Total domestic deposits to total assets | 83.1678% | 4,440 |
| Equity capital to assets | 9.5082% | 4,403 |
| Core capital (leverage) ratio | 9.0476% | 4,347 |
| Tier 1 risk-based capital ratio | 12.0560% | 4,896 |
| Total risk-based capital ratio | 13.2981% | 4,864 |
| Memoranda: | ||
| Average total assets | $770,376,600 | 891 |
| Average earning assets | $725,159,800 | 861 |
| Average equity | $62,499,800 | 1,057 |
| Average total loans | $530,670,800 | 899 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9241% | 2,341 |
| Cost of funding earning assets | 2.8238% | 560 |
| Net interest margin | 3.1003% | 6,314 |
| Noninterest income to average assets | 0.4854% | 4,620 |
| Noninterest expense to average assets | 1.8930% | 7,557 |
| Loan and lease loss provision to assets | 1.4029% | 1,371 |
| Net operating income to assets | 0.1976% | 5,166 |
| Return on assets (ROA) | 0.3203% | 4,827 |
| Pretax return on assets | 0.2323% | 5,222 |
| Return on Equity (ROE) | 4.1321% | 4,329 |
| Retained earnings to average equity (ytd only) | 1.2095% | 4,649 |
| Net charge-offs to loans | 1.4124% | 1,460 |
| Credit loss provision to net charge-offs | 143.6474% | 3,406 |
| Earnings coverage of net charge-offs (x) | 1.5487% | 4,626 |
| Efficiency ratio | 55.5857% | 7,057 |
| Assets per employee ($millions) | 6.2127% | 1,111 |
| Cash dividends to net income (ytd only)* | 70.7289% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9568% | 1,899 |
| Loan loss allowance to noncurrent loans | 66.8900% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 2.1979% | 3,099 |
| Noncurrent loans to loans | 2.9254% | 2,608 |
| Net loans and leases to total assets | 67.0856% | 4,166 |
| Net loans and leases to deposits | 79.3155% | 4,506 |
| Net loans and leases to core deposits | 118.7372% | 2,351 |
| Total domestic deposits to total assets | 84.5807% | 3,437 |
| Equity capital to assets | 7.8793% | 6,960 |
| Core capital (leverage) ratio | 7.3903% | 7,087 |
| Tier 1 risk-based capital ratio | 9.7924% | 7,143 |
| Total risk-based capital ratio | 11.0493% | 7,104 |
| Memoranda: | ||
| Average total assets | $765,050,000 | 910 |
| Average earning assets | $720,611,750 | 878 |
| Average equity | $59,306,000 | 1,134 |
| Average total loans | $529,016,250 | 915 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9703% | 2,298 |
| Cost of funding earning assets | 2.8799% | 640 |
| Net interest margin | 3.0903% | 6,279 |
| Noninterest income to average assets | 0.4616% | 4,766 |
| Noninterest expense to average assets | 1.8482% | 7,687 |
| Loan and lease loss provision to assets | 1.3436% | 1,287 |
| Net operating income to assets | 0.2895% | 4,943 |
| Return on assets (ROA) | 0.4344% | 4,475 |
| Pretax return on assets | 0.3243% | 5,152 |
| Return on Equity (ROE) | 5.6362% | 3,811 |
| Retained earnings to average equity (ytd only) | 2.6352% | 3,864 |
| Net charge-offs to loans | 1.6700% | 1,134 |
| Credit loss provision to net charge-offs | 115.9354% | 3,995 |
| Earnings coverage of net charge-offs (x) | 1.3142% | 4,536 |
| Efficiency ratio | 54.8218% | 7,246 |
| Assets per employee ($millions) | 5.6600% | 1,439 |
| Cash dividends to net income (ytd only)* | 53.2444% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6342% | 2,601 |
| Loan loss allowance to noncurrent loans | 75.1441% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 1.7603% | 3,535 |
| Noncurrent loans to loans | 2.1748% | 3,283 |
| Net loans and leases to total assets | 69.3381% | 3,868 |
| Net loans and leases to deposits | 82.2991% | 4,178 |
| Net loans and leases to core deposits | 131.8462% | 1,441 |
| Total domestic deposits to total assets | 84.2513% | 3,625 |
| Equity capital to assets | 7.8168% | 6,960 |
| Core capital (leverage) ratio | 7.4505% | 7,081 |
| Tier 1 risk-based capital ratio | 9.8822% | 7,058 |
| Total risk-based capital ratio | 11.1355% | 6,984 |
| Memoranda: | ||
| Average total assets | $759,134,000 | 929 |
| Average earning assets | $714,743,000 | 897 |
| Average equity | $58,515,000 | 1,157 |
| Average total loans | $526,813,000 | 935 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9885% | 2,407 |
| Cost of funding earning assets | 2.9514% | 680 |
| Net interest margin | 3.0370% | 6,386 |
| Noninterest income to average assets | 0.4403% | 4,871 |
| Noninterest expense to average assets | 1.8418% | 7,644 |
| Loan and lease loss provision to assets | 2.1594% | 547 |
| Net operating income to assets | -0.1935% | 6,546 |
| Return on assets (ROA) | -0.1190% | 6,548 |
| Pretax return on assets | -0.5851% | 6,890 |
| Return on Equity (ROE) | -1.5551% | 6,617 |
| Retained earnings to average equity (ytd only) | -4.6173% | 6,503 |
| Net charge-offs to loans | 3.0629% | 414 |
| Credit loss provision to net charge-offs | 102.3976% | 3,663 |
| Earnings coverage of net charge-offs (x) | 0.6913% | 4,455 |
| Efficiency ratio | 55.8180% | 6,995 |
| Assets per employee ($millions) | 5.9735% | 1,212 |
| Cash dividends to net income (ytd only)* | -196.9027% | 8,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5419% | 2,754 |
| Loan loss allowance to noncurrent loans | 185.2814% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.6491% | 5,537 |
| Noncurrent loans to loans | 0.8322% | 5,359 |
| Net loans and leases to total assets | 67.3872% | 4,272 |
| Net loans and leases to deposits | 80.0445% | 4,603 |
| Net loans and leases to core deposits | 127.3959% | 1,833 |
| Total domestic deposits to total assets | 84.1871% | 3,609 |
| Equity capital to assets | 7.5131% | 7,346 |
| Core capital (leverage) ratio | 7.3412% | 7,332 |
| Tier 1 risk-based capital ratio | 9.6109% | 7,329 |
| Total risk-based capital ratio | 10.8629% | 7,265 |
| Memoranda: | ||
| Average total assets | $759,478,500 | 922 |
| Average earning assets | $715,040,000 | 896 |
| Average equity | $58,129,500 | 1,168 |
| Average total loans | $522,905,500 | 953 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8314% | 1,581 |
| Cost of funding earning assets | 3.6283% | 342 |
| Net interest margin | 3.2031% | 6,354 |
| Noninterest income to average assets | 0.5619% | 4,143 |
| Noninterest expense to average assets | 1.8604% | 7,677 |
| Loan and lease loss provision to assets | 0.7300% | 2,028 |
| Net operating income to assets | 0.7079% | 3,860 |
| Return on assets (ROA) | 0.6625% | 3,898 |
| Pretax return on assets | 0.8858% | 3,767 |
| Return on Equity (ROE) | 8.4871% | 2,850 |
| Retained earnings to average equity (ytd only) | 5.5079% | 1,763 |
| Net charge-offs to loans | 0.6654% | 1,859 |
| Credit loss provision to net charge-offs | 162.6967% | 3,175 |
| Earnings coverage of net charge-offs (x) | 3.7362% | 4,236 |
| Efficiency ratio | 52.6029% | 7,419 |
| Assets per employee ($millions) | 5.7567% | 1,290 |
| Cash dividends to net income (ytd only)* | 35.1024% | 3,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5500% | 2,446 |
| Loan loss allowance to noncurrent loans | 125.9010% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.8850% | 4,644 |
| Noncurrent loans to loans | 1.2311% | 4,049 |
| Net loans and leases to total assets | 68.1971% | 4,429 |
| Net loans and leases to deposits | 83.9303% | 4,428 |
| Net loans and leases to core deposits | 142.8675% | 1,136 |
| Total domestic deposits to total assets | 81.2545% | 4,531 |
| Equity capital to assets | 7.7988% | 7,098 |
| Core capital (leverage) ratio | 7.6309% | 7,033 |
| Tier 1 risk-based capital ratio | 9.9485% | 6,796 |
| Total risk-based capital ratio | 11.2007% | 6,681 |
| Memoranda: | ||
| Average total assets | $722,377,800 | 923 |
| Average earning assets | $670,887,400 | 908 |
| Average equity | $56,391,600 | 1,191 |
| Average total loans | $487,050,600 | 981 |