Home > Vision Bank > Performance and Condition Ratios
Vision Bank, 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 | 4.9220% | 2,230 |
| Cost of funding earning assets | 1.3007% | 2,510 |
| Net interest margin | 3.6213% | 1,930 |
| Noninterest income to average assets | 0.8900% | 777 |
| Noninterest expense to average assets | 3.3741% | 684 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.7680% | 2,984 |
| Return on assets (ROA) | 0.7680% | 2,960 |
| Pretax return on assets | 0.7680% | 3,290 |
| Return on Equity (ROE) | 13.3600% | 1,641 |
| Retained earnings to average equity (ytd only) | 2.3408% | 3,496 |
| Net charge-offs to loans | 0.1093% | 853 |
| Credit loss provision to net charge-offs | 179.8283% | 1,310 |
| Earnings coverage of net charge-offs (x) | 11.6767% | 2,180 |
| Efficiency ratio | 79.0428% | 986 |
| Assets per employee ($millions) | 4.3589% | 4,014 |
| Cash dividends to net income (ytd only)* | 82.4747% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4200% | 1,313 |
| Loan loss allowance to noncurrent loans | 149.4915% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.6788% | 777 |
| Noncurrent loans to loans | 0.9499% | 779 |
| Net loans and leases to total assets | 70.4500% | 1,760 |
| Net loans and leases to deposits | 82.1887% | 1,932 |
| Net loans and leases to core deposits | 90.2676% | 2,033 |
| Total domestic deposits to total assets | 85.7100% | 2,103 |
| Equity capital to assets | 6.2651% | 4,175 |
| Core capital (leverage) ratio | 9.0188% | 3,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7127% | 1,974 |
| Memoranda: | ||
| Average total assets | $912,369,000 | 1,069 |
| Average earning assets | $850,187,600 | 1,057 |
| Average equity | $52,460,800 | 1,545 |
| Average total loans | $639,489,800 | 1,039 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8043% | 2,252 |
| Cost of funding earning assets | 1.1701% | 2,527 |
| Net interest margin | 3.6342% | 1,914 |
| Noninterest income to average assets | 0.8900% | 781 |
| Noninterest expense to average assets | 3.3855% | 639 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.7640% | 3,123 |
| Return on assets (ROA) | 0.7640% | 3,121 |
| Pretax return on assets | 0.7640% | 3,414 |
| Return on Equity (ROE) | 13.6000% | 1,768 |
| Retained earnings to average equity (ytd only) | 1.0755% | 3,937 |
| Net charge-offs to loans | 0.0758% | 948 |
| Credit loss provision to net charge-offs | 255.9889% | 971 |
| Earnings coverage of net charge-offs (x) | 16.8830% | 1,916 |
| Efficiency ratio | 79.1309% | 915 |
| Assets per employee ($millions) | 4.3254% | 4,037 |
| Cash dividends to net income (ytd only)* | 92.0941% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 1,271 |
| Loan loss allowance to noncurrent loans | 140.5501% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.7415% | 758 |
| Noncurrent loans to loans | 1.0285% | 782 |
| Net loans and leases to total assets | 71.0500% | 1,689 |
| Net loans and leases to deposits | 82.3365% | 1,882 |
| Net loans and leases to core deposits | 91.2214% | 1,847 |
| Total domestic deposits to total assets | 86.2900% | 2,108 |
| Equity capital to assets | 5.2100% | 4,214 |
| Core capital (leverage) ratio | 9.0431% | 3,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1322% | 1,844 |
| Memoranda: | ||
| Average total assets | $905,080,750 | 1,082 |
| Average earning assets | $843,666,500 | 1,064 |
| Average equity | $50,829,250 | 1,575 |
| Average total loans | $631,157,750 | 1,043 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6530% | 2,299 |
| Cost of funding earning assets | 1.0164% | 2,544 |
| Net interest margin | 3.6367% | 1,954 |
| Noninterest income to average assets | 0.8900% | 698 |
| Noninterest expense to average assets | 3.4315% | 583 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.7981% | 3,089 |
| Return on assets (ROA) | 0.7981% | 3,092 |
| Pretax return on assets | 0.7981% | 3,403 |
| Return on Equity (ROE) | 13.8700% | 1,709 |
| Retained earnings to average equity (ytd only) | -4.5518% | 4,408 |
| Net charge-offs to loans | 0.0409% | 1,109 |
| Credit loss provision to net charge-offs | 170.0787% | 1,123 |
| Earnings coverage of net charge-offs (x) | 29.9685% | 1,552 |
| Efficiency ratio | 80.2460% | 825 |
| Assets per employee ($millions) | 4.1792% | 4,104 |
| Cash dividends to net income (ytd only)* | 132.8142% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4193% | 1,462 |
| Loan loss allowance to noncurrent loans | 130.4005% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.7578% | 672 |
| Noncurrent loans to loans | 1.0884% | 663 |
| Net loans and leases to total assets | 68.6300% | 1,894 |
| Net loans and leases to deposits | 79.8832% | 1,994 |
| Net loans and leases to core deposits | 86.3029% | 2,050 |
| Total domestic deposits to total assets | 85.9200% | 2,253 |
| Equity capital to assets | 5.5649% | 4,280 |
| Core capital (leverage) ratio | 9.0399% | 3,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9562% | 1,916 |
| Memoranda: | ||
| Average total assets | $901,114,667 | 1,082 |
| Average earning assets | $838,676,333 | 1,066 |
| Average equity | $51,847,333 | 1,553 |
| Average total loans | $621,193,333 | 1,049 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5674% | 2,152 |
| Cost of funding earning assets | 0.8791% | 2,439 |
| Net interest margin | 3.6884% | 1,925 |
| Noninterest income to average assets | 0.9000% | 683 |
| Noninterest expense to average assets | 3.4701% | 560 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8669% | 2,971 |
| Return on assets (ROA) | 0.8669% | 2,920 |
| Pretax return on assets | 0.8669% | 3,313 |
| Return on Equity (ROE) | 14.8200% | 1,587 |
| Retained earnings to average equity (ytd only) | -1.6249% | 4,189 |
| Net charge-offs to loans | 0.0288% | 1,123 |
| Credit loss provision to net charge-offs | 79.5455% | 1,218 |
| Earnings coverage of net charge-offs (x) | 43.6818% | 1,150 |
| Efficiency ratio | 80.1035% | 827 |
| Assets per employee ($millions) | 4.1175% | 4,202 |
| Cash dividends to net income (ytd only)* | 110.9674% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4529% | 1,425 |
| Loan loss allowance to noncurrent loans | 122.4888% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.8425% | 558 |
| Noncurrent loans to loans | 1.1862% | 586 |
| Net loans and leases to total assets | 68.2200% | 1,811 |
| Net loans and leases to deposits | 79.3696% | 1,861 |
| Net loans and leases to core deposits | 85.4653% | 1,898 |
| Total domestic deposits to total assets | 85.9500% | 2,608 |
| Equity capital to assets | 5.9413% | 4,223 |
| Core capital (leverage) ratio | 9.2292% | 3,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5198% | 1,793 |
| Memoranda: | ||
| Average total assets | $891,964,000 | 1,106 |
| Average earning assets | $829,527,500 | 1,095 |
| Average equity | $52,188,500 | 1,558 |
| Average total loans | $611,733,500 | 1,073 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1137% | 1,446 |
| Cost of funding earning assets | 0.3099% | 2,792 |
| Net interest margin | 3.8038% | 1,155 |
| Noninterest income to average assets | 0.9800% | 668 |
| Noninterest expense to average assets | 3.2848% | 639 |
| Loan and lease loss provision to assets | 0.2200% | 456 |
| Net operating income to assets | 1.0260% | 2,476 |
| Return on assets (ROA) | 1.0243% | 2,424 |
| Pretax return on assets | 1.0243% | 3,005 |
| Return on Equity (ROE) | 15.0900% | 1,236 |
| Retained earnings to average equity (ytd only) | 0.5964% | 4,260 |
| Net charge-offs to loans | 0.1110% | 678 |
| Credit loss provision to net charge-offs | 316.2119% | 891 |
| Earnings coverage of net charge-offs (x) | 17.6453% | 1,948 |
| Efficiency ratio | 72.4355% | 1,394 |
| Assets per employee ($millions) | 4.0474% | 4,269 |
| Cash dividends to net income (ytd only)* | 96.0480% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7214% | 776 |
| Loan loss allowance to noncurrent loans | 152.1479% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.7900% | 600 |
| Noncurrent loans to loans | 1.1314% | 633 |
| Net loans and leases to total assets | 66.7700% | 1,953 |
| Net loans and leases to deposits | 83.1440% | 1,531 |
| Net loans and leases to core deposits | 88.0003% | 1,608 |
| Total domestic deposits to total assets | 80.3000% | 3,832 |
| Equity capital to assets | 5.7603% | 4,167 |
| Core capital (leverage) ratio | 9.1883% | 3,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6135% | 1,759 |
| Memoranda: | ||
| Average total assets | $879,440,800 | 1,098 |
| Average earning assets | $820,815,600 | 1,083 |
| Average equity | $59,694,000 | 1,410 |
| Average total loans | $561,365,400 | 1,087 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0106% | 1,249 |
| Cost of funding earning assets | 0.2415% | 2,802 |
| Net interest margin | 3.7691% | 1,001 |
| Noninterest income to average assets | 1.0100% | 645 |
| Noninterest expense to average assets | 3.2287% | 658 |
| Loan and lease loss provision to assets | 0.2400% | 344 |
| Net operating income to assets | 1.0644% | 2,234 |
| Return on assets (ROA) | 1.0644% | 2,193 |
| Pretax return on assets | 1.0644% | 2,833 |
| Return on Equity (ROE) | 15.1000% | 1,151 |
| Retained earnings to average equity (ytd only) | 2.7057% | 3,859 |
| Net charge-offs to loans | 0.1126% | 558 |
| Credit loss provision to net charge-offs | 338.7097% | 759 |
| Earnings coverage of net charge-offs (x) | 18.4387% | 1,759 |
| Efficiency ratio | 71.2320% | 1,615 |
| Assets per employee ($millions) | 4.1388% | 4,259 |
| Cash dividends to net income (ytd only)* | 82.0832% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7419% | 817 |
| Loan loss allowance to noncurrent loans | 192.3819% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.6217% | 850 |
| Noncurrent loans to loans | 0.9054% | 863 |
| Net loans and leases to total assets | 65.1200% | 1,973 |
| Net loans and leases to deposits | 75.7716% | 1,893 |
| Net loans and leases to core deposits | 78.9748% | 1,972 |
| Total domestic deposits to total assets | 85.9400% | 3,077 |
| Equity capital to assets | 5.5460% | 4,112 |
| Core capital (leverage) ratio | 9.5129% | 3,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0486% | 1,698 |
| Memoranda: | ||
| Average total assets | $876,695,250 | 1,108 |
| Average earning assets | $819,412,250 | 1,089 |
| Average equity | $61,794,750 | 1,387 |
| Average total loans | $550,478,250 | 1,099 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9472% | 1,032 |
| Cost of funding earning assets | 0.2289% | 2,519 |
| Net interest margin | 3.7183% | 885 |
| Noninterest income to average assets | 1.0077% | 651 |
| Noninterest expense to average assets | 3.1645% | 666 |
| Loan and lease loss provision to assets | 0.2400% | 309 |
| Net operating income to assets | 1.0815% | 1,851 |
| Return on assets (ROA) | 1.0815% | 1,828 |
| Pretax return on assets | 1.0815% | 2,478 |
| Return on Equity (ROE) | 14.3186% | 1,039 |
| Retained earnings to average equity (ytd only) | -1.8065% | 4,363 |
| Net charge-offs to loans | 0.1205% | 513 |
| Credit loss provision to net charge-offs | 323.0769% | 774 |
| Earnings coverage of net charge-offs (x) | 17.7908% | 1,598 |
| Efficiency ratio | 70.5421% | 1,883 |
| Assets per employee ($millions) | 4.0197% | 4,362 |
| Cash dividends to net income (ytd only)* | 112.6162% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8027% | 814 |
| Loan loss allowance to noncurrent loans | 225.3395% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.5644% | 999 |
| Noncurrent loans to loans | 0.8000% | 1,070 |
| Net loans and leases to total assets | 62.2901% | 2,091 |
| Net loans and leases to deposits | 72.7513% | 1,976 |
| Net loans and leases to core deposits | 75.2869% | 2,066 |
| Total domestic deposits to total assets | 85.6206% | 3,344 |
| Equity capital to assets | 6.1361% | 4,160 |
| Core capital (leverage) ratio | 9.2301% | 3,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3760% | 1,608 |
| Memoranda: | ||
| Average total assets | $875,069,333 | 1,103 |
| Average earning assets | $818,598,667 | 1,099 |
| Average equity | $66,095,667 | 1,345 |
| Average total loans | $539,219,000 | 1,107 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8661% | 974 |
| Cost of funding earning assets | 0.2331% | 2,348 |
| Net interest margin | 3.6330% | 845 |
| Noninterest income to average assets | 0.9049% | 831 |
| Noninterest expense to average assets | 3.0792% | 709 |
| Loan and lease loss provision to assets | 0.2374% | 283 |
| Net operating income to assets | 0.9859% | 1,939 |
| Return on assets (ROA) | 0.9859% | 1,935 |
| Pretax return on assets | 0.9859% | 2,480 |
| Return on Equity (ROE) | 11.9657% | 1,323 |
| Retained earnings to average equity (ytd only) | -13.8648% | 4,631 |
| Net charge-offs to loans | 0.0290% | 1,024 |
| Credit loss provision to net charge-offs | 1,346.1538% | 283 |
| Earnings coverage of net charge-offs (x) | 69.3590% | 799 |
| Efficiency ratio | 71.5682% | 2,034 |
| Assets per employee ($millions) | 4.3084% | 4,247 |
| Cash dividends to net income (ytd only)* | 215.8716% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7733% | 919 |
| Loan loss allowance to noncurrent loans | 213.8348% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.5281% | 1,134 |
| Noncurrent loans to loans | 0.8293% | 1,132 |
| Net loans and leases to total assets | 58.4784% | 2,249 |
| Net loans and leases to deposits | 69.5390% | 2,005 |
| Net loans and leases to core deposits | 72.1077% | 2,096 |
| Total domestic deposits to total assets | 84.0945% | 3,748 |
| Equity capital to assets | 7.7381% | 3,779 |
| Core capital (leverage) ratio | 9.3064% | 2,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3515% | 1,683 |
| Memoranda: | ||
| Average total assets | $884,504,000 | 1,096 |
| Average earning assets | $827,188,000 | 1,087 |
| Average equity | $72,875,000 | 1,288 |
| Average total loans | $537,269,000 | 1,103 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0798% | 1,196 |
| Cost of funding earning assets | 0.3014% | 2,393 |
| Net interest margin | 3.7785% | 1,054 |
| Noninterest income to average assets | 1.0190% | 963 |
| Noninterest expense to average assets | 3.0307% | 937 |
| Loan and lease loss provision to assets | 0.2429% | 395 |
| Net operating income to assets | 1.2715% | 1,683 |
| Return on assets (ROA) | 1.3032% | 1,628 |
| Pretax return on assets | 1.3032% | 2,347 |
| Return on Equity (ROE) | 15.1235% | 930 |
| Retained earnings to average equity (ytd only) | 4.3952% | 3,056 |
| Net charge-offs to loans | 0.0887% | 923 |
| Credit loss provision to net charge-offs | 455.5315% | 846 |
| Earnings coverage of net charge-offs (x) | 28.4056% | 1,649 |
| Efficiency ratio | 66.6802% | 2,166 |
| Assets per employee ($millions) | 4.1354% | 4,366 |
| Cash dividends to net income (ytd only)* | 70.9380% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6918% | 1,064 |
| Loan loss allowance to noncurrent loans | 189.9036% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.5637% | 1,176 |
| Noncurrent loans to loans | 0.8908% | 1,139 |
| Net loans and leases to total assets | 60.9535% | 2,064 |
| Net loans and leases to deposits | 73.6519% | 1,751 |
| Net loans and leases to core deposits | 76.5175% | 1,875 |
| Total domestic deposits to total assets | 82.7589% | 3,854 |
| Equity capital to assets | 8.7808% | 3,824 |
| Core capital (leverage) ratio | 8.6508% | 3,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1722% | 2,172 |
| Memoranda: | ||
| Average total assets | $864,698,400 | 1,077 |
| Average earning assets | $806,941,600 | 1,077 |
| Average equity | $74,513,400 | 1,282 |
| Average total loans | $519,502,400 | 1,131 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1178% | 1,266 |
| Cost of funding earning assets | 0.3165% | 2,441 |
| Net interest margin | 3.8013% | 1,118 |
| Noninterest income to average assets | 1.0108% | 1,054 |
| Noninterest expense to average assets | 2.9993% | 973 |
| Loan and lease loss provision to assets | 0.2428% | 388 |
| Net operating income to assets | 1.3145% | 1,775 |
| Return on assets (ROA) | 1.3567% | 1,723 |
| Pretax return on assets | 1.3567% | 2,473 |
| Return on Equity (ROE) | 15.8194% | 987 |
| Retained earnings to average equity (ytd only) | 3.0668% | 3,885 |
| Net charge-offs to loans | 0.0913% | 789 |
| Credit loss provision to net charge-offs | 446.1756% | 814 |
| Earnings coverage of net charge-offs (x) | 28.6147% | 1,547 |
| Efficiency ratio | 65.8230% | 2,121 |
| Assets per employee ($millions) | 3.9900% | 4,458 |
| Cash dividends to net income (ytd only)* | 80.6136% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6781% | 1,150 |
| Loan loss allowance to noncurrent loans | 177.7276% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.6102% | 1,252 |
| Noncurrent loans to loans | 0.9442% | 1,217 |
| Net loans and leases to total assets | 59.9140% | 2,272 |
| Net loans and leases to deposits | 72.2007% | 2,032 |
| Net loans and leases to core deposits | 75.9528% | 2,051 |
| Total domestic deposits to total assets | 82.9826% | 3,711 |
| Equity capital to assets | 9.0305% | 3,805 |
| Core capital (leverage) ratio | 8.3768% | 4,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4469% | 2,185 |
| Memoranda: | ||
| Average total assets | $864,795,750 | 1,088 |
| Average earning assets | $806,695,000 | 1,083 |
| Average equity | $74,168,500 | 1,303 |
| Average total loans | $515,404,750 | 1,156 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9489% | 1,680 |
| Cost of funding earning assets | 0.3277% | 2,519 |
| Net interest margin | 3.6212% | 1,542 |
| Noninterest income to average assets | 0.9944% | 1,081 |
| Noninterest expense to average assets | 2.9416% | 1,081 |
| Loan and lease loss provision to assets | 0.2411% | 414 |
| Net operating income to assets | 1.1937% | 2,212 |
| Return on assets (ROA) | 1.2414% | 2,113 |
| Pretax return on assets | 1.2414% | 2,798 |
| Return on Equity (ROE) | 14.7272% | 1,224 |
| Retained earnings to average equity (ytd only) | -3.5599% | 4,740 |
| Net charge-offs to loans | 0.0978% | 751 |
| Credit loss provision to net charge-offs | 416.6667% | 742 |
| Earnings coverage of net charge-offs (x) | 24.7976% | 1,426 |
| Efficiency ratio | 67.2158% | 1,980 |
| Assets per employee ($millions) | 4.1385% | 4,373 |
| Cash dividends to net income (ytd only)* | 124.1724% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5792% | 1,330 |
| Loan loss allowance to noncurrent loans | 137.9571% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.6858% | 1,198 |
| Noncurrent loans to loans | 1.1447% | 1,058 |
| Net loans and leases to total assets | 58.7032% | 2,579 |
| Net loans and leases to deposits | 70.2026% | 2,385 |
| Net loans and leases to core deposits | 75.5120% | 2,284 |
| Total domestic deposits to total assets | 83.6196% | 3,542 |
| Equity capital to assets | 8.3867% | 4,292 |
| Core capital (leverage) ratio | 7.6390% | 4,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0678% | 2,342 |
| Memoranda: | ||
| Average total assets | $871,099,000 | 1,080 |
| Average earning assets | $813,540,333 | 1,077 |
| Average equity | $73,428,667 | 1,309 |
| Average total loans | $515,388,333 | 1,154 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9221% | 1,778 |
| Cost of funding earning assets | 0.3384% | 2,640 |
| Net interest margin | 3.5837% | 1,631 |
| Noninterest income to average assets | 0.9673% | 1,193 |
| Noninterest expense to average assets | 2.8762% | 1,206 |
| Loan and lease loss provision to assets | 0.2414% | 446 |
| Net operating income to assets | 1.1995% | 2,150 |
| Return on assets (ROA) | 1.1995% | 2,226 |
| Pretax return on assets | 1.1995% | 2,850 |
| Return on Equity (ROE) | 14.1937% | 1,397 |
| Retained earnings to average equity (ytd only) | -18.0019% | 4,900 |
| Net charge-offs to loans | 0.1053% | 659 |
| Credit loss provision to net charge-offs | 388.8889% | 663 |
| Earnings coverage of net charge-offs (x) | 23.2148% | 1,195 |
| Efficiency ratio | 66.6241% | 2,144 |
| Assets per employee ($millions) | 4.1132% | 4,407 |
| Cash dividends to net income (ytd only)* | 226.8302% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4979% | 1,616 |
| Loan loss allowance to noncurrent loans | 105.0672% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 0.8370% | 1,061 |
| Noncurrent loans to loans | 1.4256% | 887 |
| Net loans and leases to total assets | 56.2966% | 2,996 |
| Net loans and leases to deposits | 68.4708% | 2,651 |
| Net loans and leases to core deposits | 74.5673% | 2,459 |
| Total domestic deposits to total assets | 82.2198% | 3,847 |
| Equity capital to assets | 7.7005% | 4,637 |
| Core capital (leverage) ratio | 7.9010% | 4,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $870,034,000 | 1,075 |
| Average earning assets | $813,248,000 | 1,061 |
| Average equity | $73,525,500 | 1,301 |
| Average total loans | $512,663,500 | 1,160 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3353% | 1,760 |
| Cost of funding earning assets | 0.5752% | 2,481 |
| Net interest margin | 3.7601% | 1,616 |
| Noninterest income to average assets | 1.0559% | 953 |
| Noninterest expense to average assets | 3.1382% | 1,161 |
| Loan and lease loss provision to assets | 0.2598% | 1,495 |
| Net operating income to assets | 1.1441% | 1,746 |
| Return on assets (ROA) | 1.1441% | 1,874 |
| Pretax return on assets | 1.1441% | 2,535 |
| Return on Equity (ROE) | 12.4137% | 1,201 |
| Retained earnings to average equity (ytd only) | 2.4978% | 3,606 |
| Net charge-offs to loans | 0.1885% | 903 |
| Credit loss provision to net charge-offs | 220.5882% | 2,064 |
| Earnings coverage of net charge-offs (x) | 11.9183% | 2,371 |
| Efficiency ratio | 69.0915% | 2,081 |
| Assets per employee ($millions) | 3.8462% | 4,474 |
| Cash dividends to net income (ytd only)* | 79.8789% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4752% | 1,671 |
| Loan loss allowance to noncurrent loans | 96.6680% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.9478% | 1,022 |
| Noncurrent loans to loans | 1.5261% | 869 |
| Net loans and leases to total assets | 59.9830% | 2,863 |
| Net loans and leases to deposits | 73.5244% | 2,533 |
| Net loans and leases to core deposits | 80.1909% | 2,347 |
| Total domestic deposits to total assets | 81.5825% | 3,745 |
| Equity capital to assets | 9.2794% | 3,809 |
| Core capital (leverage) ratio | 8.5052% | 4,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $779,329,000 | 1,080 |
| Average earning assets | $722,564,800 | 1,075 |
| Average equity | $71,823,800 | 1,273 |
| Average total loans | $486,984,200 | 1,165 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4378% | 1,747 |
| Cost of funding earning assets | 0.6228% | 2,475 |
| Net interest margin | 3.8149% | 1,577 |
| Noninterest income to average assets | 1.0687% | 910 |
| Noninterest expense to average assets | 3.1417% | 1,168 |
| Loan and lease loss provision to assets | 0.2476% | 1,636 |
| Net operating income to assets | 1.2123% | 1,606 |
| Return on assets (ROA) | 1.2123% | 1,728 |
| Pretax return on assets | 1.2123% | 2,354 |
| Return on Equity (ROE) | 13.1789% | 1,060 |
| Retained earnings to average equity (ytd only) | 0.4079% | 4,402 |
| Net charge-offs to loans | 0.2267% | 675 |
| Credit loss provision to net charge-offs | 173.5688% | 2,215 |
| Earnings coverage of net charge-offs (x) | 10.2351% | 2,370 |
| Efficiency ratio | 68.2738% | 2,144 |
| Assets per employee ($millions) | 3.8241% | 4,459 |
| Cash dividends to net income (ytd only)* | 96.9046% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 1,748 |
| Loan loss allowance to noncurrent loans | 91.4301% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 0.9342% | 1,219 |
| Noncurrent loans to loans | 1.5288% | 928 |
| Net loans and leases to total assets | 58.8587% | 3,337 |
| Net loans and leases to deposits | 72.8849% | 3,049 |
| Net loans and leases to core deposits | 79.1806% | 2,911 |
| Total domestic deposits to total assets | 80.7557% | 3,708 |
| Equity capital to assets | 9.0406% | 4,089 |
| Core capital (leverage) ratio | 8.4152% | 4,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $767,427,250 | 1,081 |
| Average earning assets | $710,701,000 | 1,075 |
| Average equity | $70,596,000 | 1,271 |
| Average total loans | $482,868,250 | 1,169 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6105% | 1,625 |
| Cost of funding earning assets | 0.6913% | 2,437 |
| Net interest margin | 3.9191% | 1,528 |
| Noninterest income to average assets | 1.0503% | 900 |
| Noninterest expense to average assets | 3.1957% | 1,170 |
| Loan and lease loss provision to assets | 0.2210% | 1,891 |
| Net operating income to assets | 1.2555% | 1,475 |
| Return on assets (ROA) | 1.2555% | 1,595 |
| Pretax return on assets | 1.2555% | 2,167 |
| Return on Equity (ROE) | 13.5617% | 960 |
| Retained earnings to average equity (ytd only) | -5.0028% | 4,767 |
| Net charge-offs to loans | 0.2803% | 568 |
| Credit loss provision to net charge-offs | 122.9508% | 2,265 |
| Earnings coverage of net charge-offs (x) | 8.2146% | 2,307 |
| Efficiency ratio | 68.3981% | 2,185 |
| Assets per employee ($millions) | 3.8509% | 4,434 |
| Cash dividends to net income (ytd only)* | 136.8893% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3206% | 1,908 |
| Loan loss allowance to noncurrent loans | 82.8725% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 0.9531% | 1,273 |
| Noncurrent loans to loans | 1.5935% | 928 |
| Net loans and leases to total assets | 58.7034% | 3,451 |
| Net loans and leases to deposits | 74.3022% | 3,048 |
| Net loans and leases to core deposits | 78.6083% | 3,063 |
| Total domestic deposits to total assets | 79.0062% | 4,036 |
| Equity capital to assets | 8.8103% | 4,256 |
| Core capital (leverage) ratio | 8.0480% | 4,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $746,628,000 | 1,086 |
| Average earning assets | $689,997,667 | 1,090 |
| Average equity | $69,121,000 | 1,284 |
| Average total loans | $478,708,333 | 1,156 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7676% | 1,511 |
| Cost of funding earning assets | 0.8377% | 2,184 |
| Net interest margin | 3.9299% | 1,579 |
| Noninterest income to average assets | 1.1550% | 653 |
| Noninterest expense to average assets | 3.4570% | 997 |
| Loan and lease loss provision to assets | 0.2119% | 1,446 |
| Net operating income to assets | 1.1018% | 1,834 |
| Return on assets (ROA) | 1.1018% | 1,935 |
| Pretax return on assets | 1.1018% | 2,517 |
| Return on Equity (ROE) | 11.5762% | 1,234 |
| Retained earnings to average equity (ytd only) | -23.4315% | 4,995 |
| Net charge-offs to loans | 0.2013% | 684 |
| Credit loss provision to net charge-offs | 157.5630% | 1,560 |
| Earnings coverage of net charge-offs (x) | 9.7689% | 1,804 |
| Efficiency ratio | 72.4624% | 2,008 |
| Assets per employee ($millions) | 3.4552% | 4,521 |
| Cash dividends to net income (ytd only)* | 302.4103% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3825% | 1,763 |
| Loan loss allowance to noncurrent loans | 74.9768% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.2657% | 945 |
| Noncurrent loans to loans | 1.8439% | 807 |
| Net loans and leases to total assets | 63.4788% | 3,125 |
| Net loans and leases to deposits | 80.7610% | 2,600 |
| Net loans and leases to core deposits | 86.6320% | 2,630 |
| Total domestic deposits to total assets | 78.6008% | 4,123 |
| Equity capital to assets | 8.8088% | 4,687 |
| Core capital (leverage) ratio | 9.2372% | 4,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $707,901,000 | 1,106 |
| Average earning assets | $651,311,000 | 1,107 |
| Average equity | $67,379,500 | 1,308 |
| Average total loans | $472,943,500 | 1,144 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0034% | 1,471 |
| Cost of funding earning assets | 0.7951% | 2,709 |
| Net interest margin | 4.2083% | 1,304 |
| Noninterest income to average assets | 1.2154% | 638 |
| Noninterest expense to average assets | 3.6793% | 779 |
| Loan and lease loss provision to assets | 0.2166% | 908 |
| Net operating income to assets | 1.1728% | 2,163 |
| Return on assets (ROA) | 1.1768% | 2,246 |
| Pretax return on assets | 1.1768% | 2,924 |
| Return on Equity (ROE) | 11.8826% | 1,558 |
| Retained earnings to average equity (ytd only) | 2.6038% | 3,731 |
| Net charge-offs to loans | 0.3036% | 687 |
| Credit loss provision to net charge-offs | 102.2284% | 2,423 |
| Earnings coverage of net charge-offs (x) | 6.5585% | 2,966 |
| Efficiency ratio | 72.2605% | 1,835 |
| Assets per employee ($millions) | 3.3505% | 4,608 |
| Cash dividends to net income (ytd only)* | 78.0870% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3199% | 1,838 |
| Loan loss allowance to noncurrent loans | 96.7248% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 1.0269% | 1,213 |
| Noncurrent loans to loans | 1.3646% | 1,091 |
| Net loans and leases to total assets | 68.4593% | 2,616 |
| Net loans and leases to deposits | 88.3001% | 1,801 |
| Net loans and leases to core deposits | 93.6710% | 2,097 |
| Total domestic deposits to total assets | 77.5303% | 4,427 |
| Equity capital to assets | 10.2640% | 3,660 |
| Core capital (leverage) ratio | 9.9720% | 3,550 |
| Tier 1 risk-based capital ratio | 13.8815% | 3,321 |
| Total risk-based capital ratio | 15.1318% | 3,232 |
| Memoranda: | ||
| Average total assets | $677,865,400 | 1,105 |
| Average earning assets | $620,683,000 | 1,109 |
| Average equity | $67,132,000 | 1,263 |
| Average total loans | $472,924,200 | 1,126 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9821% | 1,584 |
| Cost of funding earning assets | 0.7644% | 2,895 |
| Net interest margin | 4.2178% | 1,334 |
| Noninterest income to average assets | 1.2112% | 624 |
| Noninterest expense to average assets | 3.6914% | 758 |
| Loan and lease loss provision to assets | 0.2223% | 772 |
| Net operating income to assets | 1.1573% | 2,336 |
| Return on assets (ROA) | 1.1626% | 2,416 |
| Pretax return on assets | 1.1626% | 3,096 |
| Return on Equity (ROE) | 11.8499% | 1,669 |
| Retained earnings to average equity (ytd only) | -0.0403% | 4,763 |
| Net charge-offs to loans | 0.2899% | 606 |
| Credit loss provision to net charge-offs | 109.7561% | 2,096 |
| Earnings coverage of net charge-offs (x) | 6.8117% | 2,802 |
| Efficiency ratio | 72.4634% | 1,769 |
| Assets per employee ($millions) | 3.2241% | 4,731 |
| Cash dividends to net income (ytd only)* | 100.3398% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 1,809 |
| Loan loss allowance to noncurrent loans | 108.7319% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 1.0024% | 1,338 |
| Noncurrent loans to loans | 1.2297% | 1,267 |
| Net loans and leases to total assets | 69.2907% | 2,584 |
| Net loans and leases to deposits | 89.8224% | 1,718 |
| Net loans and leases to core deposits | 95.2850% | 2,056 |
| Total domestic deposits to total assets | 77.1419% | 4,497 |
| Equity capital to assets | 10.1779% | 3,845 |
| Core capital (leverage) ratio | 9.7570% | 3,899 |
| Tier 1 risk-based capital ratio | 13.6809% | 3,486 |
| Total risk-based capital ratio | 14.9317% | 3,393 |
| Memoranda: | ||
| Average total assets | $674,779,250 | 1,106 |
| Average earning assets | $617,500,250 | 1,115 |
| Average equity | $66,204,250 | 1,275 |
| Average total loans | $471,447,000 | 1,133 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8885% | 1,782 |
| Cost of funding earning assets | 0.7191% | 3,057 |
| Net interest margin | 4.1694% | 1,433 |
| Noninterest income to average assets | 1.1936% | 599 |
| Noninterest expense to average assets | 3.7109% | 742 |
| Loan and lease loss provision to assets | 0.2229% | 740 |
| Net operating income to assets | 1.0750% | 2,627 |
| Return on assets (ROA) | 1.0753% | 2,692 |
| Pretax return on assets | 1.0753% | 3,307 |
| Return on Equity (ROE) | 11.0994% | 1,938 |
| Retained earnings to average equity (ytd only) | -5.9945% | 5,088 |
| Net charge-offs to loans | 0.2365% | 709 |
| Credit loss provision to net charge-offs | 135.1351% | 1,616 |
| Earnings coverage of net charge-offs (x) | 7.8685% | 2,454 |
| Efficiency ratio | 73.7554% | 1,671 |
| Assets per employee ($millions) | 3.2968% | 4,699 |
| Cash dividends to net income (ytd only)* | 154.0077% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3832% | 1,684 |
| Loan loss allowance to noncurrent loans | 97.6061% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 1.0979% | 1,242 |
| Noncurrent loans to loans | 1.4171% | 1,093 |
| Net loans and leases to total assets | 67.0823% | 2,954 |
| Net loans and leases to deposits | 87.8631% | 2,023 |
| Net loans and leases to core deposits | 92.6812% | 2,348 |
| Total domestic deposits to total assets | 76.3486% | 4,630 |
| Equity capital to assets | 9.7133% | 4,222 |
| Core capital (leverage) ratio | 9.6009% | 4,039 |
| Tier 1 risk-based capital ratio | 13.3302% | 3,678 |
| Total risk-based capital ratio | 14.5812% | 3,574 |
| Memoranda: | ||
| Average total assets | $672,942,670 | 1,107 |
| Average earning assets | $615,767,000 | 1,116 |
| Average equity | $65,192,670 | 1,287 |
| Average total loans | $469,341,000 | 1,137 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8530% | 1,757 |
| Cost of funding earning assets | 0.6955% | 3,080 |
| Net interest margin | 4.1575% | 1,409 |
| Noninterest income to average assets | 1.1478% | 609 |
| Noninterest expense to average assets | 3.7251% | 726 |
| Loan and lease loss provision to assets | 0.2256% | 685 |
| Net operating income to assets | 0.9944% | 2,867 |
| Return on assets (ROA) | 0.9944% | 2,903 |
| Pretax return on assets | 0.9944% | 3,452 |
| Return on Equity (ROE) | 10.2791% | 2,252 |
| Retained earnings to average equity (ytd only) | -21.1364% | 5,264 |
| Net charge-offs to loans | 0.2018% | 694 |
| Credit loss provision to net charge-offs | 158.2278% | 1,202 |
| Earnings coverage of net charge-offs (x) | 8.5570% | 2,079 |
| Efficiency ratio | 74.9878% | 1,612 |
| Assets per employee ($millions) | 3.2078% | 4,827 |
| Cash dividends to net income (ytd only)* | 305.6261% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3565% | 1,840 |
| Loan loss allowance to noncurrent loans | 90.2782% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.1082% | 1,251 |
| Noncurrent loans to loans | 1.5025% | 1,072 |
| Net loans and leases to total assets | 69.0420% | 2,615 |
| Net loans and leases to deposits | 88.3167% | 1,833 |
| Net loans and leases to core deposits | 92.6200% | 2,246 |
| Total domestic deposits to total assets | 78.1755% | 4,489 |
| Equity capital to assets | 9.3439% | 4,394 |
| Core capital (leverage) ratio | 9.5472% | 4,076 |
| Tier 1 risk-based capital ratio | 13.0457% | 3,857 |
| Total risk-based capital ratio | 14.2966% | 3,762 |
| Memoranda: | ||
| Average total assets | $664,897,500 | 1,121 |
| Average earning assets | $607,290,500 | 1,133 |
| Average equity | $64,325,000 | 1,296 |
| Average total loans | $469,660,500 | 1,140 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7083% | 1,795 |
| Cost of funding earning assets | 0.5203% | 3,224 |
| Net interest margin | 4.1881% | 1,422 |
| Noninterest income to average assets | 1.1967% | 641 |
| Noninterest expense to average assets | 3.5891% | 886 |
| Loan and lease loss provision to assets | 0.2233% | 801 |
| Net operating income to assets | 1.2086% | 2,122 |
| Return on assets (ROA) | 1.2086% | 2,121 |
| Pretax return on assets | 1.2086% | 2,849 |
| Return on Equity (ROE) | 12.5040% | 1,546 |
| Retained earnings to average equity (ytd only) | 3.5947% | 3,607 |
| Net charge-offs to loans | 0.2057% | 929 |
| Credit loss provision to net charge-offs | 157.1429% | 1,764 |
| Earnings coverage of net charge-offs (x) | 10.0752% | 2,757 |
| Efficiency ratio | 71.1076% | 2,031 |
| Assets per employee ($millions) | 3.1852% | 4,853 |
| Cash dividends to net income (ytd only)* | 71.2517% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 1,824 |
| Loan loss allowance to noncurrent loans | 91.6351% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.1120% | 1,205 |
| Noncurrent loans to loans | 1.4738% | 1,040 |
| Net loans and leases to total assets | 70.3422% | 2,520 |
| Net loans and leases to deposits | 90.9011% | 1,684 |
| Net loans and leases to core deposits | 95.2304% | 2,114 |
| Total domestic deposits to total assets | 77.3832% | 4,578 |
| Equity capital to assets | 10.0170% | 3,670 |
| Core capital (leverage) ratio | 10.2844% | 3,264 |
| Tier 1 risk-based capital ratio | 13.9318% | 3,320 |
| Total risk-based capital ratio | 15.1826% | 3,244 |
| Memoranda: | ||
| Average total assets | $655,058,600 | 1,108 |
| Average earning assets | $598,172,600 | 1,117 |
| Average equity | $63,315,600 | 1,263 |
| Average total loans | $452,553,400 | 1,139 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6659% | 1,776 |
| Cost of funding earning assets | 0.4803% | 3,325 |
| Net interest margin | 4.1856% | 1,395 |
| Noninterest income to average assets | 1.1832% | 671 |
| Noninterest expense to average assets | 3.5274% | 948 |
| Loan and lease loss provision to assets | 0.2288% | 710 |
| Net operating income to assets | 1.2497% | 2,047 |
| Return on assets (ROA) | 1.2497% | 2,056 |
| Pretax return on assets | 1.2497% | 2,812 |
| Return on Equity (ROE) | 13.0479% | 1,416 |
| Retained earnings to average equity (ytd only) | 1.9535% | 4,596 |
| Net charge-offs to loans | 0.1721% | 965 |
| Credit loss provision to net charge-offs | 193.9655% | 1,418 |
| Earnings coverage of net charge-offs (x) | 12.5345% | 2,444 |
| Efficiency ratio | 70.0902% | 2,175 |
| Assets per employee ($millions) | 3.0980% | 4,967 |
| Cash dividends to net income (ytd only)* | 85.0284% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3823% | 1,774 |
| Loan loss allowance to noncurrent loans | 96.9683% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 1.0694% | 1,350 |
| Noncurrent loans to loans | 1.4255% | 1,164 |
| Net loans and leases to total assets | 69.4297% | 2,733 |
| Net loans and leases to deposits | 89.2730% | 1,984 |
| Net loans and leases to core deposits | 93.0145% | 2,392 |
| Total domestic deposits to total assets | 77.7723% | 4,517 |
| Equity capital to assets | 9.7159% | 3,907 |
| Core capital (leverage) ratio | 10.0170% | 3,616 |
| Tier 1 risk-based capital ratio | 13.7884% | 3,468 |
| Total risk-based capital ratio | 15.0392% | 3,381 |
| Memoranda: | ||
| Average total assets | $655,583,750 | 1,113 |
| Average earning assets | $598,739,000 | 1,117 |
| Average equity | $62,792,750 | 1,273 |
| Average total loans | $449,293,500 | 1,150 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6041% | 1,772 |
| Cost of funding earning assets | 0.4403% | 3,426 |
| Net interest margin | 4.1638% | 1,367 |
| Noninterest income to average assets | 1.1913% | 674 |
| Noninterest expense to average assets | 3.4532% | 1,066 |
| Loan and lease loss provision to assets | 0.2279% | 708 |
| Net operating income to assets | 1.3113% | 1,728 |
| Return on assets (ROA) | 1.3113% | 1,727 |
| Pretax return on assets | 1.3113% | 2,464 |
| Return on Equity (ROE) | 13.7552% | 1,143 |
| Retained earnings to average equity (ytd only) | -1.7943% | 5,131 |
| Net charge-offs to loans | 0.2044% | 780 |
| Credit loss provision to net charge-offs | 164.1138% | 1,489 |
| Earnings coverage of net charge-offs (x) | 11.0853% | 2,294 |
| Efficiency ratio | 68.7987% | 2,517 |
| Assets per employee ($millions) | 3.0851% | 5,035 |
| Cash dividends to net income (ytd only)* | 113.0445% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3486% | 1,955 |
| Loan loss allowance to noncurrent loans | 103.7920% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.9637% | 1,564 |
| Noncurrent loans to loans | 1.2993% | 1,312 |
| Net loans and leases to total assets | 67.6553% | 2,918 |
| Net loans and leases to deposits | 86.0486% | 2,301 |
| Net loans and leases to core deposits | 89.1964% | 2,632 |
| Total domestic deposits to total assets | 78.6246% | 4,487 |
| Equity capital to assets | 9.5079% | 4,092 |
| Core capital (leverage) ratio | 9.6982% | 3,887 |
| Tier 1 risk-based capital ratio | 13.6361% | 3,540 |
| Total risk-based capital ratio | 14.8867% | 3,455 |
| Memoranda: | ||
| Average total assets | $658,287,670 | 1,110 |
| Average earning assets | $600,938,000 | 1,116 |
| Average equity | $62,754,330 | 1,275 |
| Average total loans | $447,111,670 | 1,151 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5089% | 1,843 |
| Cost of funding earning assets | 0.4280% | 3,380 |
| Net interest margin | 4.0809% | 1,487 |
| Noninterest income to average assets | 1.1932% | 643 |
| Noninterest expense to average assets | 3.3834% | 1,186 |
| Loan and lease loss provision to assets | 0.2271% | 694 |
| Net operating income to assets | 1.3077% | 1,619 |
| Return on assets (ROA) | 1.3077% | 1,624 |
| Pretax return on assets | 1.3077% | 2,336 |
| Return on Equity (ROE) | 13.6996% | 1,085 |
| Retained earnings to average equity (ytd only) | -13.5282% | 5,433 |
| Net charge-offs to loans | 0.2276% | 662 |
| Credit loss provision to net charge-offs | 147.6378% | 1,241 |
| Earnings coverage of net charge-offs (x) | 9.9764% | 1,929 |
| Efficiency ratio | 68.4113% | 2,765 |
| Assets per employee ($millions) | 3.1554% | 5,040 |
| Cash dividends to net income (ytd only)* | 198.7494% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3204% | 2,150 |
| Loan loss allowance to noncurrent loans | 95.8102% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 0.9974% | 1,575 |
| Noncurrent loans to loans | 1.3782% | 1,299 |
| Net loans and leases to total assets | 66.2810% | 2,989 |
| Net loans and leases to deposits | 84.0384% | 2,387 |
| Net loans and leases to core deposits | 91.1856% | 2,360 |
| Total domestic deposits to total assets | 78.8699% | 4,599 |
| Equity capital to assets | 9.2072% | 4,356 |
| Core capital (leverage) ratio | 9.4985% | 4,072 |
| Tier 1 risk-based capital ratio | 13.4679% | 3,672 |
| Total risk-based capital ratio | 14.7181% | 3,590 |
| Memoranda: | ||
| Average total assets | $660,408,500 | 1,118 |
| Average earning assets | $602,808,000 | 1,129 |
| Average equity | $63,038,500 | 1,274 |
| Average total loans | $446,394,500 | 1,160 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4289% | 1,941 |
| Cost of funding earning assets | 0.3941% | 3,307 |
| Net interest margin | 4.0348% | 1,641 |
| Noninterest income to average assets | 1.1048% | 838 |
| Noninterest expense to average assets | 3.6155% | 884 |
| Loan and lease loss provision to assets | 0.1753% | 1,241 |
| Net operating income to assets | 1.0014% | 2,234 |
| Return on assets (ROA) | 1.0113% | 2,225 |
| Pretax return on assets | 1.0113% | 3,522 |
| Return on Equity (ROE) | 10.2241% | 1,798 |
| Retained earnings to average equity (ytd only) | 1.7881% | 4,248 |
| Net charge-offs to loans | 0.2699% | 968 |
| Credit loss provision to net charge-offs | 95.1736% | 2,701 |
| Earnings coverage of net charge-offs (x) | 6.3878% | 3,189 |
| Efficiency ratio | 75.0456% | 1,755 |
| Assets per employee ($millions) | 3.1951% | 5,035 |
| Cash dividends to net income (ytd only)* | 82.5108% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 2,289 |
| Loan loss allowance to noncurrent loans | 93.3052% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 1.0477% | 1,461 |
| Noncurrent loans to loans | 1.3779% | 1,250 |
| Net loans and leases to total assets | 67.1478% | 2,942 |
| Net loans and leases to deposits | 87.0010% | 2,134 |
| Net loans and leases to core deposits | 94.9171% | 2,116 |
| Total domestic deposits to total assets | 77.1806% | 4,842 |
| Equity capital to assets | 9.8858% | 3,835 |
| Core capital (leverage) ratio | 9.9614% | 3,504 |
| Tier 1 risk-based capital ratio | 13.8885% | 3,425 |
| Total risk-based capital ratio | 15.1385% | 3,333 |
| Memoranda: | ||
| Average total assets | $641,131,800 | 1,133 |
| Average earning assets | $585,924,400 | 1,138 |
| Average equity | $63,418,600 | 1,250 |
| Average total loans | $437,589,600 | 1,151 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4001% | 1,964 |
| Cost of funding earning assets | 0.3875% | 3,310 |
| Net interest margin | 4.0126% | 1,658 |
| Noninterest income to average assets | 1.1048% | 836 |
| Noninterest expense to average assets | 3.6396% | 825 |
| Loan and lease loss provision to assets | 0.1348% | 1,609 |
| Net operating income to assets | 1.0001% | 2,553 |
| Return on assets (ROA) | 1.0135% | 2,539 |
| Pretax return on assets | 1.0135% | 3,631 |
| Return on Equity (ROE) | 10.2442% | 2,018 |
| Retained earnings to average equity (ytd only) | -0.2730% | 5,250 |
| Net charge-offs to loans | 0.2277% | 950 |
| Credit loss provision to net charge-offs | 86.6756% | 2,502 |
| Earnings coverage of net charge-offs (x) | 7.2961% | 2,892 |
| Efficiency ratio | 75.8265% | 1,616 |
| Assets per employee ($millions) | 3.1671% | 5,109 |
| Cash dividends to net income (ytd only)* | 102.6646% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 2,379 |
| Loan loss allowance to noncurrent loans | 108.8398% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.9366% | 1,824 |
| Noncurrent loans to loans | 1.1897% | 1,608 |
| Net loans and leases to total assets | 67.4048% | 2,937 |
| Net loans and leases to deposits | 86.8853% | 2,195 |
| Net loans and leases to core deposits | 94.4033% | 2,231 |
| Total domestic deposits to total assets | 77.5790% | 4,792 |
| Equity capital to assets | 10.0082% | 3,903 |
| Core capital (leverage) ratio | 9.8432% | 3,764 |
| Tier 1 risk-based capital ratio | 13.8175% | 3,523 |
| Total risk-based capital ratio | 15.0676% | 3,458 |
| Memoranda: | ||
| Average total assets | $636,868,500 | 1,145 |
| Average earning assets | $582,457,750 | 1,149 |
| Average equity | $63,006,500 | 1,263 |
| Average total loans | $435,058,750 | 1,164 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3672% | 1,919 |
| Cost of funding earning assets | 0.3780% | 3,308 |
| Net interest margin | 3.9892% | 1,641 |
| Noninterest income to average assets | 1.1430% | 769 |
| Noninterest expense to average assets | 3.6753% | 800 |
| Loan and lease loss provision to assets | 0.1354% | 1,534 |
| Net operating income to assets | 0.9785% | 2,529 |
| Return on assets (ROA) | 0.9987% | 2,476 |
| Pretax return on assets | 0.9987% | 3,574 |
| Return on Equity (ROE) | 10.1353% | 1,970 |
| Retained earnings to average equity (ytd only) | -4.8931% | 5,532 |
| Net charge-offs to loans | 0.1589% | 1,211 |
| Credit loss provision to net charge-offs | 124.7093% | 1,739 |
| Earnings coverage of net charge-offs (x) | 10.2616% | 2,355 |
| Efficiency ratio | 76.3392% | 1,667 |
| Assets per employee ($millions) | 3.0925% | 5,193 |
| Cash dividends to net income (ytd only)* | 148.2780% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3502% | 2,173 |
| Loan loss allowance to noncurrent loans | 138.6134% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.7915% | 2,226 |
| Noncurrent loans to loans | 0.9741% | 2,017 |
| Net loans and leases to total assets | 66.9911% | 2,951 |
| Net loans and leases to deposits | 86.1308% | 2,200 |
| Net loans and leases to core deposits | 93.3731% | 2,208 |
| Total domestic deposits to total assets | 77.7783% | 4,853 |
| Equity capital to assets | 9.8512% | 4,089 |
| Core capital (leverage) ratio | 9.7695% | 3,812 |
| Tier 1 risk-based capital ratio | 13.5377% | 3,682 |
| Total risk-based capital ratio | 14.7883% | 3,595 |
| Memoranda: | ||
| Average total assets | $633,797,000 | 1,151 |
| Average earning assets | $579,318,330 | 1,160 |
| Average equity | $62,455,000 | 1,276 |
| Average total loans | $433,010,330 | 1,175 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3500% | 1,816 |
| Cost of funding earning assets | 0.3633% | 3,379 |
| Net interest margin | 3.9868% | 1,503 |
| Noninterest income to average assets | 1.2056% | 709 |
| Noninterest expense to average assets | 3.7554% | 716 |
| Loan and lease loss provision to assets | 0.1367% | 1,395 |
| Net operating income to assets | 0.9563% | 2,498 |
| Return on assets (ROA) | 0.9563% | 2,558 |
| Pretax return on assets | 0.9563% | 3,558 |
| Return on Equity (ROE) | 9.7034% | 2,100 |
| Retained earnings to average equity (ytd only) | -18.5616% | 5,711 |
| Net charge-offs to loans | 0.0473% | 1,906 |
| Credit loss provision to net charge-offs | 421.5686% | 637 |
| Earnings coverage of net charge-offs (x) | 33.7059% | 1,142 |
| Efficiency ratio | 77.0492% | 1,748 |
| Assets per employee ($millions) | 2.9400% | 5,402 |
| Cash dividends to net income (ytd only)* | 291.2899% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3730% | 2,196 |
| Loan loss allowance to noncurrent loans | 143.6779% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.7992% | 2,301 |
| Noncurrent loans to loans | 0.9556% | 2,132 |
| Net loans and leases to total assets | 68.2436% | 2,640 |
| Net loans and leases to deposits | 86.3498% | 1,995 |
| Net loans and leases to core deposits | 93.2143% | 2,045 |
| Total domestic deposits to total assets | 79.0316% | 4,819 |
| Equity capital to assets | 9.6623% | 4,109 |
| Core capital (leverage) ratio | 9.7277% | 3,838 |
| Tier 1 risk-based capital ratio | 13.4192% | 3,822 |
| Total risk-based capital ratio | 14.6704% | 3,737 |
| Memoranda: | ||
| Average total assets | $629,075,000 | 1,160 |
| Average earning assets | $574,798,000 | 1,172 |
| Average equity | $61,999,000 | 1,279 |
| Average total loans | $431,109,500 | 1,182 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3351% | 2,029 |
| Cost of funding earning assets | 0.3806% | 3,198 |
| Net interest margin | 3.9545% | 1,774 |
| Noninterest income to average assets | 1.0843% | 964 |
| Noninterest expense to average assets | 3.6560% | 940 |
| Loan and lease loss provision to assets | 0.0953% | 2,455 |
| Net operating income to assets | 0.9465% | 2,602 |
| Return on assets (ROA) | 0.9586% | 2,651 |
| Pretax return on assets | 0.9586% | 3,626 |
| Return on Equity (ROE) | 9.3956% | 2,232 |
| Retained earnings to average equity (ytd only) | 1.9576% | 4,423 |
| Net charge-offs to loans | 0.0990% | 2,290 |
| Credit loss provision to net charge-offs | 147.0588% | 1,862 |
| Earnings coverage of net charge-offs (x) | 16.0711% | 2,143 |
| Efficiency ratio | 77.4065% | 1,790 |
| Assets per employee ($millions) | 2.9256% | 5,406 |
| Cash dividends to net income (ytd only)* | 79.1646% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 2,257 |
| Loan loss allowance to noncurrent loans | 110.7871% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 0.8735% | 2,164 |
| Noncurrent loans to loans | 1.2291% | 1,672 |
| Net loans and leases to total assets | 66.9434% | 2,938 |
| Net loans and leases to deposits | 85.6620% | 2,224 |
| Net loans and leases to core deposits | 94.1860% | 2,084 |
| Total domestic deposits to total assets | 78.1483% | 4,956 |
| Equity capital to assets | 10.0489% | 3,674 |
| Core capital (leverage) ratio | 10.1379% | 3,319 |
| Tier 1 risk-based capital ratio | 14.1368% | 3,389 |
| Total risk-based capital ratio | 15.3872% | 3,312 |
| Memoranda: | ||
| Average total assets | $629,350,400 | 1,121 |
| Average earning assets | $575,097,400 | 1,130 |
| Average equity | $64,211,200 | 1,222 |
| Average total loans | $412,072,200 | 1,176 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3282% | 2,087 |
| Cost of funding earning assets | 0.3813% | 3,214 |
| Net interest margin | 3.9469% | 1,825 |
| Noninterest income to average assets | 1.0540% | 1,022 |
| Noninterest expense to average assets | 3.6283% | 955 |
| Loan and lease loss provision to assets | 0.0953% | 2,313 |
| Net operating income to assets | 0.9375% | 2,715 |
| Return on assets (ROA) | 0.9515% | 2,787 |
| Pretax return on assets | 0.9515% | 3,807 |
| Return on Equity (ROE) | 9.2910% | 2,360 |
| Retained earnings to average equity (ytd only) | 0.1303% | 5,307 |
| Net charge-offs to loans | 0.1081% | 1,864 |
| Credit loss provision to net charge-offs | 135.9517% | 1,911 |
| Earnings coverage of net charge-offs (x) | 14.7312% | 2,224 |
| Efficiency ratio | 77.4233% | 1,772 |
| Assets per employee ($millions) | 2.8927% | 5,477 |
| Cash dividends to net income (ytd only)* | 98.5976% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3606% | 2,384 |
| Loan loss allowance to noncurrent loans | 114.8459% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.8229% | 2,486 |
| Noncurrent loans to loans | 1.1847% | 1,897 |
| Net loans and leases to total assets | 66.6007% | 3,025 |
| Net loans and leases to deposits | 85.2440% | 2,339 |
| Net loans and leases to core deposits | 94.1589% | 2,184 |
| Total domestic deposits to total assets | 78.1295% | 4,888 |
| Equity capital to assets | 10.5154% | 3,546 |
| Core capital (leverage) ratio | 9.8998% | 3,694 |
| Tier 1 risk-based capital ratio | 14.2261% | 3,445 |
| Total risk-based capital ratio | 15.4770% | 3,368 |
| Memoranda: | ||
| Average total assets | $629,439,500 | 1,122 |
| Average earning assets | $575,251,750 | 1,131 |
| Average equity | $64,462,250 | 1,226 |
| Average total loans | $408,369,500 | 1,185 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2988% | 2,160 |
| Cost of funding earning assets | 0.3791% | 3,257 |
| Net interest margin | 3.9197% | 1,915 |
| Noninterest income to average assets | 1.0118% | 1,089 |
| Noninterest expense to average assets | 3.5954% | 1,017 |
| Loan and lease loss provision to assets | 0.0951% | 2,253 |
| Net operating income to assets | 0.9034% | 2,844 |
| Return on assets (ROA) | 0.9097% | 2,947 |
| Pretax return on assets | 0.9097% | 3,919 |
| Return on Equity (ROE) | 8.9619% | 2,506 |
| Retained earnings to average equity (ytd only) | -3.8970% | 5,688 |
| Net charge-offs to loans | 0.0233% | 3,025 |
| Credit loss provision to net charge-offs | 638.2979% | 537 |
| Earnings coverage of net charge-offs (x) | 67.0213% | 807 |
| Efficiency ratio | 77.8445% | 1,813 |
| Assets per employee ($millions) | 2.9961% | 5,445 |
| Cash dividends to net income (ytd only)* | 143.4843% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4393% | 2,108 |
| Loan loss allowance to noncurrent loans | 123.8457% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.7896% | 2,622 |
| Noncurrent loans to loans | 1.1622% | 1,974 |
| Net loans and leases to total assets | 63.9319% | 3,371 |
| Net loans and leases to deposits | 81.9253% | 2,717 |
| Net loans and leases to core deposits | 90.6905% | 2,469 |
| Total domestic deposits to total assets | 78.0369% | 4,994 |
| Equity capital to assets | 10.2985% | 3,862 |
| Core capital (leverage) ratio | 9.7127% | 3,912 |
| Tier 1 risk-based capital ratio | 14.1293% | 3,532 |
| Total risk-based capital ratio | 15.3807% | 3,446 |
| Memoranda: | ||
| Average total assets | $630,977,000 | 1,125 |
| Average earning assets | $576,623,330 | 1,135 |
| Average equity | $64,048,670 | 1,232 |
| Average total loans | $403,866,330 | 1,202 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2105% | 2,430 |
| Cost of funding earning assets | 0.3765% | 3,336 |
| Net interest margin | 3.8340% | 2,157 |
| Noninterest income to average assets | 0.9875% | 1,106 |
| Noninterest expense to average assets | 3.6292% | 981 |
| Loan and lease loss provision to assets | 0.0950% | 2,110 |
| Net operating income to assets | 0.7641% | 3,419 |
| Return on assets (ROA) | 0.7641% | 3,529 |
| Pretax return on assets | 0.7641% | 4,329 |
| Return on Equity (ROE) | 7.5823% | 3,140 |
| Retained earnings to average equity (ytd only) | -14.8064% | 5,903 |
| Net charge-offs to loans | 0.0259% | 2,421 |
| Credit loss provision to net charge-offs | 576.9231% | 542 |
| Earnings coverage of net charge-offs (x) | 52.1923% | 860 |
| Efficiency ratio | 80.4231% | 1,557 |
| Assets per employee ($millions) | 2.9481% | 5,552 |
| Cash dividends to net income (ytd only)* | 295.2775% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4162% | 2,351 |
| Loan loss allowance to noncurrent loans | 130.7762% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.7085% | 2,940 |
| Noncurrent loans to loans | 1.0829% | 2,230 |
| Net loans and leases to total assets | 63.6855% | 3,282 |
| Net loans and leases to deposits | 83.0324% | 2,425 |
| Net loans and leases to core deposits | 90.0450% | 2,368 |
| Total domestic deposits to total assets | 76.6996% | 5,336 |
| Equity capital to assets | 10.0122% | 4,066 |
| Core capital (leverage) ratio | 9.6153% | 4,018 |
| Tier 1 risk-based capital ratio | 14.0350% | 3,670 |
| Total risk-based capital ratio | 15.2865% | 3,596 |
| Memoranda: | ||
| Average total assets | $631,877,000 | 1,121 |
| Average earning assets | $576,945,000 | 1,128 |
| Average equity | $63,675,000 | 1,230 |
| Average total loans | $401,740,000 | 1,199 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2148% | 2,512 |
| Cost of funding earning assets | 0.4137% | 3,012 |
| Net interest margin | 3.8010% | 2,371 |
| Noninterest income to average assets | 1.0315% | 1,110 |
| Noninterest expense to average assets | 3.3632% | 1,568 |
| Loan and lease loss provision to assets | 0.1738% | 1,313 |
| Net operating income to assets | 0.9723% | 2,508 |
| Return on assets (ROA) | 1.0304% | 2,298 |
| Pretax return on assets | 1.0304% | 3,349 |
| Return on Equity (ROE) | 10.5884% | 1,763 |
| Retained earnings to average equity (ytd only) | 1.5560% | 4,833 |
| Net charge-offs to loans | 0.1218% | 2,155 |
| Credit loss provision to net charge-offs | 236.3445% | 1,210 |
| Earnings coverage of net charge-offs (x) | 15.5840% | 2,193 |
| Efficiency ratio | 74.1614% | 2,554 |
| Assets per employee ($millions) | 2.9710% | 5,548 |
| Cash dividends to net income (ytd only)* | 85.3051% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 2,362 |
| Loan loss allowance to noncurrent loans | 130.8731% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.6865% | 2,991 |
| Noncurrent loans to loans | 1.0796% | 2,181 |
| Net loans and leases to total assets | 61.6858% | 3,606 |
| Net loans and leases to deposits | 82.9949% | 2,476 |
| Net loans and leases to core deposits | 90.0423% | 2,402 |
| Total domestic deposits to total assets | 74.3248% | 5,616 |
| Equity capital to assets | 10.1412% | 3,818 |
| Core capital (leverage) ratio | 9.9110% | 3,625 |
| Tier 1 risk-based capital ratio | 14.7151% | 3,323 |
| Total risk-based capital ratio | 15.9666% | 3,253 |
| Memoranda: | ||
| Average total assets | $647,205,000 | 1,058 |
| Average earning assets | $592,180,400 | 1,056 |
| Average equity | $62,983,800 | 1,199 |
| Average total loans | $390,893,400 | 1,181 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1901% | 2,611 |
| Cost of funding earning assets | 0.4233% | 2,977 |
| Net interest margin | 3.7669% | 2,501 |
| Noninterest income to average assets | 1.0048% | 1,175 |
| Noninterest expense to average assets | 3.3268% | 1,631 |
| Loan and lease loss provision to assets | 0.2000% | 1,006 |
| Net operating income to assets | 0.9297% | 2,805 |
| Return on assets (ROA) | 0.9917% | 2,594 |
| Pretax return on assets | 0.9917% | 3,642 |
| Return on Equity (ROE) | 10.2963% | 1,975 |
| Retained earnings to average equity (ytd only) | -0.3450% | 5,666 |
| Net charge-offs to loans | 0.1093% | 2,032 |
| Credit loss provision to net charge-offs | 305.6426% | 950 |
| Earnings coverage of net charge-offs (x) | 17.2666% | 2,065 |
| Efficiency ratio | 74.2268% | 2,515 |
| Assets per employee ($millions) | 2.9613% | 5,589 |
| Cash dividends to net income (ytd only)* | 103.3505% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 2,464 |
| Loan loss allowance to noncurrent loans | 152.3139% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.5857% | 3,528 |
| Noncurrent loans to loans | 0.9375% | 2,627 |
| Net loans and leases to total assets | 61.0187% | 3,730 |
| Net loans and leases to deposits | 83.4445% | 2,463 |
| Net loans and leases to core deposits | 90.1952% | 2,446 |
| Total domestic deposits to total assets | 73.1248% | 5,778 |
| Equity capital to assets | 9.9715% | 4,183 |
| Core capital (leverage) ratio | 9.5969% | 4,169 |
| Tier 1 risk-based capital ratio | 14.4776% | 3,588 |
| Total risk-based capital ratio | 15.7287% | 3,495 |
| Memoranda: | ||
| Average total assets | $650,055,500 | 1,060 |
| Average earning assets | $595,672,250 | 1,059 |
| Average equity | $62,610,250 | 1,211 |
| Average total loans | $389,161,500 | 1,183 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1612% | 2,677 |
| Cost of funding earning assets | 0.4376% | 2,876 |
| Net interest margin | 3.7236% | 2,607 |
| Noninterest income to average assets | 0.9671% | 1,252 |
| Noninterest expense to average assets | 3.2843% | 1,747 |
| Loan and lease loss provision to assets | 0.2292% | 816 |
| Net operating income to assets | 0.8651% | 3,061 |
| Return on assets (ROA) | 0.9528% | 2,736 |
| Pretax return on assets | 0.9528% | 3,762 |
| Return on Equity (ROE) | 10.0067% | 2,067 |
| Retained earnings to average equity (ytd only) | -4.9199% | 6,015 |
| Net charge-offs to loans | 0.1156% | 1,844 |
| Credit loss provision to net charge-offs | 334.8214% | 860 |
| Earnings coverage of net charge-offs (x) | 15.9866% | 1,934 |
| Efficiency ratio | 74.5830% | 2,600 |
| Assets per employee ($millions) | 2.9472% | 5,658 |
| Cash dividends to net income (ytd only)* | 149.1661% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4067% | 2,723 |
| Loan loss allowance to noncurrent loans | 160.9485% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.5696% | 3,704 |
| Noncurrent loans to loans | 0.8740% | 2,946 |
| Net loans and leases to total assets | 59.1629% | 3,949 |
| Net loans and leases to deposits | 79.9466% | 2,790 |
| Net loans and leases to core deposits | 85.9607% | 2,770 |
| Total domestic deposits to total assets | 74.0030% | 5,795 |
| Equity capital to assets | 9.4371% | 4,726 |
| Core capital (leverage) ratio | 9.2462% | 4,627 |
| Tier 1 risk-based capital ratio | 14.0800% | 3,877 |
| Total risk-based capital ratio | 15.3306% | 3,809 |
| Memoranda: | ||
| Average total assets | $654,512,670 | 1,059 |
| Average earning assets | $599,628,330 | 1,061 |
| Average equity | $62,318,000 | 1,221 |
| Average total loans | $387,507,330 | 1,191 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1377% | 2,683 |
| Cost of funding earning assets | 0.4379% | 2,902 |
| Net interest margin | 3.6998% | 2,617 |
| Noninterest income to average assets | 0.9572% | 1,217 |
| Noninterest expense to average assets | 3.2769% | 1,777 |
| Loan and lease loss provision to assets | 0.2286% | 761 |
| Net operating income to assets | 0.8511% | 3,003 |
| Return on assets (ROA) | 0.8511% | 3,118 |
| Pretax return on assets | 0.8511% | 4,054 |
| Return on Equity (ROE) | 8.8997% | 2,495 |
| Retained earnings to average equity (ytd only) | -17.1364% | 6,245 |
| Net charge-offs to loans | 0.0207% | 2,732 |
| Credit loss provision to net charge-offs | 1,875.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 88.5500% | 541 |
| Efficiency ratio | 74.7831% | 2,692 |
| Assets per employee ($millions) | 3.0342% | 5,627 |
| Cash dividends to net income (ytd only)* | 292.5501% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 3,030 |
| Loan loss allowance to noncurrent loans | 143.7011% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.6099% | 3,654 |
| Noncurrent loans to loans | 0.9588% | 2,861 |
| Net loans and leases to total assets | 57.9112% | 3,952 |
| Net loans and leases to deposits | 78.3261% | 2,758 |
| Net loans and leases to core deposits | 84.0762% | 2,764 |
| Total domestic deposits to total assets | 73.9360% | 5,908 |
| Equity capital to assets | 9.3684% | 4,891 |
| Core capital (leverage) ratio | 8.9192% | 5,051 |
| Tier 1 risk-based capital ratio | 13.8511% | 4,116 |
| Total risk-based capital ratio | 15.1012% | 4,036 |
| Memoranda: | ||
| Average total assets | $656,102,000 | 1,058 |
| Average earning assets | $602,850,000 | 1,060 |
| Average equity | $62,743,500 | 1,216 |
| Average total loans | $385,838,000 | 1,199 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2418% | 2,813 |
| Cost of funding earning assets | 0.4799% | 2,881 |
| Net interest margin | 3.7619% | 2,766 |
| Noninterest income to average assets | 1.0466% | 1,120 |
| Noninterest expense to average assets | 3.2952% | 1,943 |
| Loan and lease loss provision to assets | 0.2295% | 1,059 |
| Net operating income to assets | 0.9754% | 2,503 |
| Return on assets (ROA) | 1.0881% | 2,073 |
| Pretax return on assets | 1.0881% | 3,133 |
| Return on Equity (ROE) | 12.0261% | 1,400 |
| Retained earnings to average equity (ytd only) | 4.0662% | 3,313 |
| Net charge-offs to loans | 0.1210% | 2,823 |
| Credit loss provision to net charge-offs | 328.2276% | 800 |
| Earnings coverage of net charge-offs (x) | 17.2298% | 1,944 |
| Efficiency ratio | 72.8058% | 3,069 |
| Assets per employee ($millions) | 2.9317% | 5,787 |
| Cash dividends to net income (ytd only)* | 66.1885% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 3,472 |
| Loan loss allowance to noncurrent loans | 137.2343% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.6025% | 3,786 |
| Noncurrent loans to loans | 0.9409% | 2,970 |
| Net loans and leases to total assets | 58.1351% | 4,029 |
| Net loans and leases to deposits | 78.3913% | 2,925 |
| Net loans and leases to core deposits | 84.0862% | 2,894 |
| Total domestic deposits to total assets | 74.1602% | 5,933 |
| Equity capital to assets | 9.7592% | 4,408 |
| Core capital (leverage) ratio | 9.3164% | 4,517 |
| Tier 1 risk-based capital ratio | 14.4758% | 3,788 |
| Total risk-based capital ratio | 15.6673% | 3,761 |
| Memoranda: | ||
| Average total assets | $653,458,200 | 1,027 |
| Average earning assets | $599,912,200 | 1,024 |
| Average equity | $59,121,200 | 1,236 |
| Average total loans | $377,753,000 | 1,169 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2333% | 2,873 |
| Cost of funding earning assets | 0.4845% | 2,910 |
| Net interest margin | 3.7488% | 2,819 |
| Noninterest income to average assets | 1.0491% | 1,117 |
| Noninterest expense to average assets | 3.2944% | 1,912 |
| Loan and lease loss provision to assets | 0.2296% | 970 |
| Net operating income to assets | 0.9656% | 2,619 |
| Return on assets (ROA) | 0.9640% | 2,696 |
| Pretax return on assets | 0.9640% | 3,743 |
| Return on Equity (ROE) | 10.8687% | 1,845 |
| Retained earnings to average equity (ytd only) | 0.7570% | 5,576 |
| Net charge-offs to loans | 0.1451% | 2,350 |
| Credit loss provision to net charge-offs | 275.0611% | 976 |
| Earnings coverage of net charge-offs (x) | 14.3203% | 2,153 |
| Efficiency ratio | 72.9603% | 3,008 |
| Assets per employee ($millions) | 2.9061% | 5,839 |
| Cash dividends to net income (ytd only)* | 93.0355% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 4,129 |
| Loan loss allowance to noncurrent loans | 129.8658% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.5922% | 4,070 |
| Noncurrent loans to loans | 0.9387% | 3,216 |
| Net loans and leases to total assets | 57.8091% | 4,103 |
| Net loans and leases to deposits | 78.8170% | 2,861 |
| Net loans and leases to core deposits | 84.9895% | 2,777 |
| Total domestic deposits to total assets | 73.3460% | 6,071 |
| Equity capital to assets | 9.2677% | 5,065 |
| Core capital (leverage) ratio | 8.8849% | 5,211 |
| Tier 1 risk-based capital ratio | 14.0314% | 4,189 |
| Total risk-based capital ratio | 15.1493% | 4,231 |
| Memoranda: | ||
| Average total assets | $653,379,000 | 1,032 |
| Average earning assets | $599,639,250 | 1,031 |
| Average equity | $57,950,750 | 1,265 |
| Average total loans | $375,930,000 | 1,187 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1716% | 3,067 |
| Cost of funding earning assets | 0.4867% | 2,957 |
| Net interest margin | 3.6849% | 3,016 |
| Noninterest income to average assets | 1.0300% | 1,122 |
| Noninterest expense to average assets | 3.2526% | 2,043 |
| Loan and lease loss provision to assets | 0.2293% | 999 |
| Net operating income to assets | 0.9318% | 2,644 |
| Return on assets (ROA) | 0.9285% | 2,771 |
| Pretax return on assets | 0.9285% | 3,771 |
| Return on Equity (ROE) | 10.6267% | 1,882 |
| Retained earnings to average equity (ytd only) | -3.7825% | 6,161 |
| Net charge-offs to loans | 0.3324% | 1,227 |
| Credit loss provision to net charge-offs | 120.5788% | 1,711 |
| Earnings coverage of net charge-offs (x) | 6.1061% | 2,821 |
| Efficiency ratio | 73.2701% | 3,111 |
| Assets per employee ($millions) | 2.9754% | 5,787 |
| Cash dividends to net income (ytd only)* | 135.5943% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 5,013 |
| Loan loss allowance to noncurrent loans | 96.6635% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 0.7245% | 3,810 |
| Noncurrent loans to loans | 1.1110% | 3,002 |
| Net loans and leases to total assets | 56.8203% | 4,140 |
| Net loans and leases to deposits | 78.5682% | 2,723 |
| Net loans and leases to core deposits | 84.7263% | 2,655 |
| Total domestic deposits to total assets | 72.3197% | 6,228 |
| Equity capital to assets | 8.9028% | 5,406 |
| Core capital (leverage) ratio | 8.5986% | 5,532 |
| Tier 1 risk-based capital ratio | 13.7447% | 4,416 |
| Total risk-based capital ratio | 14.7259% | 4,540 |
| Memoranda: | ||
| Average total assets | $654,182,670 | 1,034 |
| Average earning assets | $600,727,670 | 1,031 |
| Average equity | $57,157,670 | 1,276 |
| Average total loans | $374,252,330 | 1,180 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1115% | 3,232 |
| Cost of funding earning assets | 0.4868% | 3,043 |
| Net interest margin | 3.6247% | 3,161 |
| Noninterest income to average assets | 0.9784% | 1,180 |
| Noninterest expense to average assets | 3.2515% | 2,067 |
| Loan and lease loss provision to assets | 0.2299% | 963 |
| Net operating income to assets | 0.8288% | 3,010 |
| Return on assets (ROA) | 0.8368% | 3,042 |
| Pretax return on assets | 0.8368% | 3,951 |
| Return on Equity (ROE) | 9.6695% | 2,170 |
| Retained earnings to average equity (ytd only) | -16.0734% | 6,482 |
| Net charge-offs to loans | 0.1246% | 1,972 |
| Credit loss provision to net charge-offs | 323.2759% | 760 |
| Earnings coverage of net charge-offs (x) | 14.8879% | 1,578 |
| Efficiency ratio | 74.9964% | 2,974 |
| Assets per employee ($millions) | 3.0370% | 5,800 |
| Cash dividends to net income (ytd only)* | 266.2271% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1239% | 5,016 |
| Loan loss allowance to noncurrent loans | 87.1774% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 0.8181% | 3,690 |
| Noncurrent loans to loans | 1.2893% | 2,879 |
| Net loans and leases to total assets | 55.3946% | 4,223 |
| Net loans and leases to deposits | 77.3220% | 2,650 |
| Net loans and leases to core deposits | 83.1568% | 2,625 |
| Total domestic deposits to total assets | 71.6415% | 6,379 |
| Equity capital to assets | 8.3690% | 5,766 |
| Core capital (leverage) ratio | 8.6660% | 5,434 |
| Tier 1 risk-based capital ratio | 13.5842% | 4,613 |
| Total risk-based capital ratio | 14.6071% | 4,727 |
| Memoranda: | ||
| Average total assets | $652,496,500 | 1,044 |
| Average earning assets | $599,778,000 | 1,047 |
| Average equity | $56,466,000 | 1,287 |
| Average total loans | $372,538,000 | 1,186 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4309% | 2,465 |
| Cost of funding earning assets | 0.5525% | 3,090 |
| Net interest margin | 3.8784% | 2,375 |
| Noninterest income to average assets | 0.9349% | 1,566 |
| Noninterest expense to average assets | 3.3594% | 1,976 |
| Loan and lease loss provision to assets | 0.2201% | 1,660 |
| Net operating income to assets | 0.8781% | 2,890 |
| Return on assets (ROA) | 0.8773% | 2,982 |
| Pretax return on assets | 0.8773% | 3,861 |
| Return on Equity (ROE) | 9.9427% | 2,141 |
| Retained earnings to average equity (ytd only) | 2.1739% | 4,701 |
| Net charge-offs to loans | 0.2243% | 2,671 |
| Credit loss provision to net charge-offs | 167.4641% | 1,358 |
| Earnings coverage of net charge-offs (x) | 8.3553% | 2,687 |
| Efficiency ratio | 74.9295% | 2,963 |
| Assets per employee ($millions) | 2.8955% | 5,994 |
| Cash dividends to net income (ytd only)* | 78.1362% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 5,326 |
| Loan loss allowance to noncurrent loans | 91.2216% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 0.8183% | 3,844 |
| Noncurrent loans to loans | 1.1561% | 3,229 |
| Net loans and leases to total assets | 57.5925% | 4,102 |
| Net loans and leases to deposits | 78.0476% | 2,717 |
| Net loans and leases to core deposits | 84.6918% | 2,588 |
| Total domestic deposits to total assets | 73.7914% | 6,293 |
| Equity capital to assets | 8.9499% | 5,101 |
| Core capital (leverage) ratio | 9.1479% | 4,785 |
| Tier 1 risk-based capital ratio | 14.4885% | 3,964 |
| Total risk-based capital ratio | 15.4727% | 4,081 |
| Memoranda: | ||
| Average total assets | $636,035,400 | 1,052 |
| Average earning assets | $577,709,800 | 1,059 |
| Average equity | $56,121,400 | 1,272 |
| Average total loans | $372,751,400 | 1,144 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4501% | 2,420 |
| Cost of funding earning assets | 0.5650% | 3,121 |
| Net interest margin | 3.8852% | 2,329 |
| Noninterest income to average assets | 0.9748% | 1,522 |
| Noninterest expense to average assets | 3.4028% | 1,819 |
| Loan and lease loss provision to assets | 0.2152% | 1,692 |
| Net operating income to assets | 0.8751% | 2,970 |
| Return on assets (ROA) | 0.8740% | 3,085 |
| Pretax return on assets | 0.8740% | 3,994 |
| Return on Equity (ROE) | 9.9411% | 2,207 |
| Retained earnings to average equity (ytd only) | 0.1910% | 5,877 |
| Net charge-offs to loans | 0.1613% | 2,944 |
| Credit loss provision to net charge-offs | 227.2727% | 1,070 |
| Earnings coverage of net charge-offs (x) | 11.5144% | 2,235 |
| Efficiency ratio | 75.3049% | 2,847 |
| Assets per employee ($millions) | 2.6735% | 6,304 |
| Cash dividends to net income (ytd only)* | 98.0782% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0577% | 5,494 |
| Loan loss allowance to noncurrent loans | 83.4180% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 0.9258% | 3,815 |
| Noncurrent loans to loans | 1.2679% | 3,285 |
| Net loans and leases to total assets | 58.9001% | 3,871 |
| Net loans and leases to deposits | 78.2995% | 2,612 |
| Net loans and leases to core deposits | 85.1269% | 2,525 |
| Total domestic deposits to total assets | 75.2241% | 6,255 |
| Equity capital to assets | 8.8696% | 5,334 |
| Core capital (leverage) ratio | 9.0252% | 5,091 |
| Tier 1 risk-based capital ratio | 14.1857% | 4,292 |
| Total risk-based capital ratio | 15.1719% | 4,438 |
| Memoranda: | ||
| Average total assets | $635,069,750 | 1,062 |
| Average earning assets | $575,098,000 | 1,066 |
| Average equity | $55,834,250 | 1,289 |
| Average total loans | $372,824,000 | 1,143 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4555% | 2,359 |
| Cost of funding earning assets | 0.5766% | 3,154 |
| Net interest margin | 3.8789% | 2,278 |
| Noninterest income to average assets | 0.9946% | 1,546 |
| Noninterest expense to average assets | 3.3762% | 1,876 |
| Loan and lease loss provision to assets | 0.2350% | 1,582 |
| Net operating income to assets | 0.8787% | 2,916 |
| Return on assets (ROA) | 0.8771% | 3,069 |
| Pretax return on assets | 0.8771% | 3,998 |
| Return on Equity (ROE) | 10.0054% | 2,196 |
| Retained earnings to average equity (ytd only) | -3.6032% | 6,366 |
| Net charge-offs to loans | 0.1078% | 3,279 |
| Credit loss provision to net charge-offs | 373.1343% | 697 |
| Earnings coverage of net charge-offs (x) | 17.6816% | 1,593 |
| Efficiency ratio | 74.7697% | 2,979 |
| Assets per employee ($millions) | 2.7234% | 6,267 |
| Cash dividends to net income (ytd only)* | 136.0129% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 5,623 |
| Loan loss allowance to noncurrent loans | 84.5572% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 0.9490% | 3,888 |
| Noncurrent loans to loans | 1.2435% | 3,470 |
| Net loans and leases to total assets | 58.3092% | 3,936 |
| Net loans and leases to deposits | 78.1566% | 2,552 |
| Net loans and leases to core deposits | 86.6747% | 2,262 |
| Total domestic deposits to total assets | 74.6056% | 6,393 |
| Equity capital to assets | 8.7667% | 5,478 |
| Core capital (leverage) ratio | 8.8102% | 5,278 |
| Tier 1 risk-based capital ratio | 14.0058% | 4,421 |
| Total risk-based capital ratio | 14.9933% | 4,579 |
| Memoranda: | ||
| Average total assets | $638,228,000 | 1,054 |
| Average earning assets | $575,110,000 | 1,065 |
| Average equity | $55,949,670 | 1,290 |
| Average total loans | $372,960,330 | 1,142 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5003% | 2,167 |
| Cost of funding earning assets | 0.5921% | 3,181 |
| Net interest margin | 3.9082% | 2,094 |
| Noninterest income to average assets | 0.9890% | 1,494 |
| Noninterest expense to average assets | 3.3257% | 2,023 |
| Loan and lease loss provision to assets | 0.2339% | 1,563 |
| Net operating income to assets | 0.9286% | 2,530 |
| Return on assets (ROA) | 0.9254% | 2,682 |
| Pretax return on assets | 0.9254% | 3,670 |
| Return on Equity (ROE) | 10.5568% | 1,854 |
| Retained earnings to average equity (ytd only) | -14.5548% | 6,735 |
| Net charge-offs to loans | 0.0472% | 3,373 |
| Credit loss provision to net charge-offs | 852.2727% | 354 |
| Earnings coverage of net charge-offs (x) | 42.3636% | 750 |
| Efficiency ratio | 74.1003% | 3,247 |
| Assets per employee ($millions) | 2.7664% | 6,332 |
| Cash dividends to net income (ytd only)* | 237.8706% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9955% | 5,997 |
| Loan loss allowance to noncurrent loans | 78.3051% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 1.0058% | 3,912 |
| Noncurrent loans to loans | 1.2713% | 3,649 |
| Net loans and leases to total assets | 56.7826% | 3,967 |
| Net loans and leases to deposits | 74.1497% | 2,897 |
| Net loans and leases to core deposits | 82.7127% | 2,483 |
| Total domestic deposits to total assets | 76.5783% | 6,299 |
| Equity capital to assets | 8.8686% | 5,647 |
| Core capital (leverage) ratio | 8.6582% | 5,380 |
| Tier 1 risk-based capital ratio | 13.7694% | 4,678 |
| Total risk-based capital ratio | 14.7039% | 4,864 |
| Memoranda: | ||
| Average total assets | $641,426,000 | 1,060 |
| Average earning assets | $574,272,500 | 1,074 |
| Average equity | $56,229,000 | 1,301 |
| Average total loans | $373,275,000 | 1,142 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9191% | 1,774 |
| Cost of funding earning assets | 0.7298% | 3,258 |
| Net interest margin | 4.1893% | 1,688 |
| Noninterest income to average assets | 1.0166% | 1,490 |
| Noninterest expense to average assets | 3.4699% | 1,899 |
| Loan and lease loss provision to assets | 0.2155% | 2,978 |
| Net operating income to assets | 1.0685% | 2,055 |
| Return on assets (ROA) | 1.1314% | 2,006 |
| Pretax return on assets | 1.1314% | 3,045 |
| Return on Equity (ROE) | 11.8183% | 1,563 |
| Retained earnings to average equity (ytd only) | 6.9623% | 1,586 |
| Net charge-offs to loans | 0.5632% | 2,045 |
| Credit loss provision to net charge-offs | 61.3183% | 4,409 |
| Earnings coverage of net charge-offs (x) | 3.6541% | 3,641 |
| Efficiency ratio | 72.9906% | 3,243 |
| Assets per employee ($millions) | 2.9977% | 6,020 |
| Cash dividends to net income (ytd only)* | 41.0887% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8967% | 6,274 |
| Loan loss allowance to noncurrent loans | 75.2796% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 1.0233% | 3,992 |
| Noncurrent loans to loans | 1.1911% | 3,866 |
| Net loans and leases to total assets | 58.5217% | 3,879 |
| Net loans and leases to deposits | 76.4261% | 2,729 |
| Net loans and leases to core deposits | 84.4337% | 2,496 |
| Total domestic deposits to total assets | 76.5729% | 6,278 |
| Equity capital to assets | 8.6620% | 5,893 |
| Core capital (leverage) ratio | 9.2352% | 4,521 |
| Tier 1 risk-based capital ratio | 12.5451% | 5,437 |
| Total risk-based capital ratio | 13.3653% | 5,673 |
| Memoranda: | ||
| Average total assets | $556,932,400 | 1,200 |
| Average earning assets | $496,841,800 | 1,225 |
| Average equity | $53,315,400 | 1,335 |
| Average total loans | $347,476,800 | 1,210 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0276% | 1,615 |
| Cost of funding earning assets | 0.7605% | 3,269 |
| Net interest margin | 4.2671% | 1,558 |
| Noninterest income to average assets | 1.0231% | 1,449 |
| Noninterest expense to average assets | 3.4967% | 1,768 |
| Loan and lease loss provision to assets | 0.2233% | 2,827 |
| Net operating income to assets | 1.1308% | 1,978 |
| Return on assets (ROA) | 1.2050% | 1,895 |
| Pretax return on assets | 1.2050% | 2,979 |
| Return on Equity (ROE) | 12.2433% | 1,552 |
| Retained earnings to average equity (ytd only) | 6.2402% | 2,530 |
| Net charge-offs to loans | 0.5313% | 2,017 |
| Credit loss provision to net charge-offs | 66.3228% | 3,998 |
| Earnings coverage of net charge-offs (x) | 4.0214% | 3,427 |
| Efficiency ratio | 72.0841% | 3,310 |
| Assets per employee ($millions) | 2.6542% | 6,542 |
| Cash dividends to net income (ytd only)* | 49.0322% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 5,801 |
| Loan loss allowance to noncurrent loans | 60.9006% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 1.5670% | 3,244 |
| Noncurrent loans to loans | 1.7725% | 3,123 |
| Net loans and leases to total assets | 62.9549% | 3,213 |
| Net loans and leases to deposits | 85.9228% | 1,610 |
| Net loans and leases to core deposits | 96.6559% | 1,359 |
| Total domestic deposits to total assets | 73.2691% | 6,661 |
| Equity capital to assets | 10.1716% | 4,241 |
| Core capital (leverage) ratio | 9.7989% | 3,817 |
| Tier 1 risk-based capital ratio | 14.4804% | 4,196 |
| Total risk-based capital ratio | 15.5182% | 4,308 |
| Memoranda: | ||
| Average total assets | $537,285,500 | 1,256 |
| Average earning assets | $481,970,750 | 1,281 |
| Average equity | $52,882,000 | 1,357 |
| Average total loans | $340,525,500 | 1,248 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0166% | 1,742 |
| Cost of funding earning assets | 0.7622% | 3,501 |
| Net interest margin | 4.2544% | 1,589 |
| Noninterest income to average assets | 1.0023% | 1,459 |
| Noninterest expense to average assets | 3.4990% | 1,790 |
| Loan and lease loss provision to assets | 0.2228% | 2,853 |
| Net operating income to assets | 1.1152% | 1,996 |
| Return on assets (ROA) | 1.1152% | 2,207 |
| Pretax return on assets | 1.1152% | 3,250 |
| Return on Equity (ROE) | 11.4572% | 1,834 |
| Retained earnings to average equity (ytd only) | 3.4299% | 4,320 |
| Net charge-offs to loans | 0.3421% | 2,649 |
| Credit loss provision to net charge-offs | 102.9160% | 2,650 |
| Earnings coverage of net charge-offs (x) | 6.1801% | 2,681 |
| Efficiency ratio | 72.3378% | 3,369 |
| Assets per employee ($millions) | 2.6000% | 6,653 |
| Cash dividends to net income (ytd only)* | 70.0633% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 5,271 |
| Loan loss allowance to noncurrent loans | 98.6416% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 1.3623% | 3,709 |
| Noncurrent loans to loans | 1.2367% | 4,077 |
| Net loans and leases to total assets | 63.8146% | 3,074 |
| Net loans and leases to deposits | 85.5369% | 1,655 |
| Net loans and leases to core deposits | 95.6460% | 1,458 |
| Total domestic deposits to total assets | 74.6048% | 6,622 |
| Equity capital to assets | 10.0341% | 4,280 |
| Core capital (leverage) ratio | 9.4822% | 4,163 |
| Tier 1 risk-based capital ratio | 13.8141% | 4,588 |
| Total risk-based capital ratio | 14.9666% | 4,625 |
| Memoranda: | ||
| Average total assets | $538,551,670 | 1,256 |
| Average earning assets | $485,432,000 | 1,272 |
| Average equity | $52,421,330 | 1,359 |
| Average total loans | $340,860,330 | 1,245 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9857% | 1,937 |
| Cost of funding earning assets | 0.7672% | 3,721 |
| Net interest margin | 4.2185% | 1,711 |
| Noninterest income to average assets | 0.9853% | 1,465 |
| Noninterest expense to average assets | 3.3813% | 2,053 |
| Loan and lease loss provision to assets | 0.2201% | 2,744 |
| Net operating income to assets | 1.1797% | 1,803 |
| Return on assets (ROA) | 1.1797% | 1,983 |
| Pretax return on assets | 1.1797% | 2,989 |
| Return on Equity (ROE) | 12.3024% | 1,581 |
| Retained earnings to average equity (ytd only) | -0.4055% | 6,066 |
| Net charge-offs to loans | 0.1440% | 3,236 |
| Credit loss provision to net charge-offs | 243.9024% | 1,167 |
| Earnings coverage of net charge-offs (x) | 15.5122% | 1,413 |
| Efficiency ratio | 70.7227% | 3,670 |
| Assets per employee ($millions) | 2.7057% | 6,633 |
| Cash dividends to net income (ytd only)* | 103.2960% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 5,217 |
| Loan loss allowance to noncurrent loans | 73.0377% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 1.4514% | 3,693 |
| Noncurrent loans to loans | 1.7196% | 3,533 |
| Net loans and leases to total assets | 62.7731% | 3,104 |
| Net loans and leases to deposits | 85.6833% | 1,453 |
| Net loans and leases to core deposits | 95.4686% | 1,335 |
| Total domestic deposits to total assets | 73.2617% | 6,806 |
| Equity capital to assets | 9.6927% | 4,534 |
| Core capital (leverage) ratio | 9.2708% | 4,409 |
| Tier 1 risk-based capital ratio | 13.2895% | 4,994 |
| Total risk-based capital ratio | 14.4632% | 5,033 |
| Memoranda: | ||
| Average total assets | $545,227,000 | 1,249 |
| Average earning assets | $490,601,500 | 1,256 |
| Average equity | $52,282,500 | 1,351 |
| Average total loans | $341,643,500 | 1,234 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9628% | 3,063 |
| Cost of funding earning assets | 0.8595% | 4,399 |
| Net interest margin | 4.1033% | 2,414 |
| Noninterest income to average assets | 0.9111% | 1,638 |
| Noninterest expense to average assets | 3.2365% | 2,743 |
| Loan and lease loss provision to assets | 0.3240% | 3,094 |
| Net operating income to assets | 1.0767% | 1,902 |
| Return on assets (ROA) | 1.0646% | 2,084 |
| Pretax return on assets | 1.0646% | 2,984 |
| Return on Equity (ROE) | 12.3690% | 1,308 |
| Retained earnings to average equity (ytd only) | 6.9527% | 1,526 |
| Net charge-offs to loans | 0.5269% | 2,894 |
| Credit loss provision to net charge-offs | 100.5501% | 3,470 |
| Earnings coverage of net charge-offs (x) | 4.3465% | 3,157 |
| Efficiency ratio | 69.7947% | 4,007 |
| Assets per employee ($millions) | 2.8021% | 6,453 |
| Cash dividends to net income (ytd only)* | 43.7895% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 5,349 |
| Loan loss allowance to noncurrent loans | 66.4731% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 1.5036% | 3,698 |
| Noncurrent loans to loans | 1.8185% | 3,442 |
| Net loans and leases to total assets | 61.0258% | 3,778 |
| Net loans and leases to deposits | 81.7347% | 2,240 |
| Net loans and leases to core deposits | 93.6580% | 1,733 |
| Total domestic deposits to total assets | 74.6632% | 6,655 |
| Equity capital to assets | 9.4881% | 4,905 |
| Core capital (leverage) ratio | 8.9895% | 4,807 |
| Tier 1 risk-based capital ratio | 13.3091% | 4,827 |
| Total risk-based capital ratio | 14.4351% | 4,904 |
| Memoranda: | ||
| Average total assets | $564,151,000 | 1,173 |
| Average earning assets | $512,291,200 | 1,176 |
| Average equity | $48,556,800 | 1,407 |
| Average total loans | $345,057,800 | 1,229 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9073% | 3,521 |
| Cost of funding earning assets | 0.8813% | 4,538 |
| Net interest margin | 4.0260% | 2,798 |
| Noninterest income to average assets | 0.8768% | 1,734 |
| Noninterest expense to average assets | 3.2203% | 2,767 |
| Loan and lease loss provision to assets | 0.3818% | 2,568 |
| Net operating income to assets | 0.9443% | 2,552 |
| Return on assets (ROA) | 0.9276% | 2,785 |
| Pretax return on assets | 0.9276% | 3,664 |
| Return on Equity (ROE) | 11.0525% | 1,846 |
| Retained earnings to average equity (ytd only) | 4.4619% | 3,547 |
| Net charge-offs to loans | 0.5486% | 2,595 |
| Credit loss provision to net charge-offs | 114.0449% | 2,869 |
| Earnings coverage of net charge-offs (x) | 3.9614% | 3,234 |
| Efficiency ratio | 70.8325% | 3,780 |
| Assets per employee ($millions) | 2.8032% | 6,479 |
| Cash dividends to net income (ytd only)* | 59.6299% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 5,197 |
| Loan loss allowance to noncurrent loans | 58.9554% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 1.7525% | 3,467 |
| Noncurrent loans to loans | 2.1346% | 3,200 |
| Net loans and leases to total assets | 62.8618% | 3,536 |
| Net loans and leases to deposits | 86.3299% | 1,641 |
| Net loans and leases to core deposits | 97.1116% | 1,497 |
| Total domestic deposits to total assets | 72.8157% | 6,871 |
| Equity capital to assets | 9.4789% | 5,119 |
| Core capital (leverage) ratio | 8.5705% | 5,597 |
| Tier 1 risk-based capital ratio | 12.9063% | 5,164 |
| Total risk-based capital ratio | 14.0936% | 5,187 |
| Memoranda: | ||
| Average total assets | $567,184,750 | 1,177 |
| Average earning assets | $516,958,500 | 1,170 |
| Average equity | $47,602,000 | 1,438 |
| Average total loans | $346,073,750 | 1,241 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8197% | 4,009 |
| Cost of funding earning assets | 0.9051% | 4,619 |
| Net interest margin | 3.9146% | 3,241 |
| Noninterest income to average assets | 0.7940% | 2,047 |
| Noninterest expense to average assets | 3.1742% | 2,989 |
| Loan and lease loss provision to assets | 0.5201% | 1,879 |
| Net operating income to assets | 0.6612% | 3,735 |
| Return on assets (ROA) | 0.6553% | 3,898 |
| Pretax return on assets | 0.6553% | 4,554 |
| Return on Equity (ROE) | 8.1354% | 2,883 |
| Retained earnings to average equity (ytd only) | -0.8006% | 6,016 |
| Net charge-offs to loans | 0.4061% | 2,926 |
| Credit loss provision to net charge-offs | 212.7660% | 1,414 |
| Earnings coverage of net charge-offs (x) | 4.8326% | 2,762 |
| Efficiency ratio | 72.8785% | 3,568 |
| Assets per employee ($millions) | 3.0586% | 5,959 |
| Cash dividends to net income (ytd only)* | 109.8413% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4124% | 4,507 |
| Loan loss allowance to noncurrent loans | 67.3853% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 1.6325% | 3,734 |
| Noncurrent loans to loans | 2.0961% | 3,356 |
| Net loans and leases to total assets | 58.3247% | 4,571 |
| Net loans and leases to deposits | 78.2644% | 3,082 |
| Net loans and leases to core deposits | 88.2675% | 2,608 |
| Total domestic deposits to total assets | 74.5226% | 6,783 |
| Equity capital to assets | 8.1362% | 6,563 |
| Core capital (leverage) ratio | 7.9363% | 6,375 |
| Tier 1 risk-based capital ratio | 12.0468% | 5,749 |
| Total risk-based capital ratio | 13.2974% | 5,715 |
| Memoranda: | ||
| Average total assets | $576,841,000 | 1,159 |
| Average earning assets | $524,806,670 | 1,163 |
| Average equity | $46,463,670 | 1,454 |
| Average total loans | $347,217,000 | 1,250 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7974% | 4,070 |
| Cost of funding earning assets | 0.9130% | 4,827 |
| Net interest margin | 3.8844% | 3,222 |
| Noninterest income to average assets | 0.7858% | 2,089 |
| Noninterest expense to average assets | 3.2377% | 2,744 |
| Loan and lease loss provision to assets | 0.5248% | 1,654 |
| Net operating income to assets | 0.5661% | 4,206 |
| Return on assets (ROA) | 0.5535% | 4,344 |
| Pretax return on assets | 0.5535% | 4,851 |
| Return on Equity (ROE) | 6.9074% | 3,431 |
| Retained earnings to average equity (ytd only) | -7.5973% | 6,722 |
| Net charge-offs to loans | 0.3929% | 2,508 |
| Credit loss provision to net charge-offs | 219.9413% | 1,381 |
| Earnings coverage of net charge-offs (x) | 4.5718% | 2,442 |
| Efficiency ratio | 74.7979% | 3,367 |
| Assets per employee ($millions) | 2.9629% | 6,210 |
| Cash dividends to net income (ytd only)* | 209.9874% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 5,069 |
| Loan loss allowance to noncurrent loans | 53.5790% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 1.7765% | 3,607 |
| Noncurrent loans to loans | 2.4503% | 3,041 |
| Net loans and leases to total assets | 59.7377% | 4,320 |
| Net loans and leases to deposits | 80.1672% | 2,694 |
| Net loans and leases to core deposits | 99.0880% | 1,423 |
| Total domestic deposits to total assets | 74.5165% | 6,857 |
| Equity capital to assets | 7.9972% | 6,494 |
| Core capital (leverage) ratio | 7.8508% | 6,417 |
| Tier 1 risk-based capital ratio | 12.0739% | 5,622 |
| Total risk-based capital ratio | 13.3031% | 5,635 |
| Memoranda: | ||
| Average total assets | $571,640,500 | 1,178 |
| Average earning assets | $521,361,000 | 1,178 |
| Average equity | $45,806,000 | 1,466 |
| Average total loans | $347,118,500 | 1,262 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2109% | 3,547 |
| Cost of funding earning assets | 1.0088% | 5,649 |
| Net interest margin | 4.2022% | 2,177 |
| Noninterest income to average assets | 1.0102% | 1,472 |
| Noninterest expense to average assets | 3.3781% | 2,497 |
| Loan and lease loss provision to assets | 0.6480% | 2,548 |
| Net operating income to assets | 0.8083% | 2,761 |
| Return on assets (ROA) | 0.7688% | 3,046 |
| Pretax return on assets | 0.7688% | 3,729 |
| Return on Equity (ROE) | 9.0792% | 2,262 |
| Retained earnings to average equity (ytd only) | 3.6768% | 3,283 |
| Net charge-offs to loans | 1.4865% | 1,478 |
| Credit loss provision to net charge-offs | 66.6289% | 5,944 |
| Earnings coverage of net charge-offs (x) | 1.4974% | 4,633 |
| Efficiency ratio | 69.8766% | 4,199 |
| Assets per employee ($millions) | 2.9608% | 6,188 |
| Cash dividends to net income (ytd only)* | 59.5033% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 5,622 |
| Loan loss allowance to noncurrent loans | 70.6651% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 1.4396% | 4,173 |
| Noncurrent loans to loans | 1.6632% | 4,006 |
| Net loans and leases to total assets | 60.1963% | 4,648 |
| Net loans and leases to deposits | 84.5364% | 2,372 |
| Net loans and leases to core deposits | 105.8107% | 1,202 |
| Total domestic deposits to total assets | 71.2075% | 7,156 |
| Equity capital to assets | 8.0288% | 6,469 |
| Core capital (leverage) ratio | 8.2827% | 5,709 |
| Tier 1 risk-based capital ratio | 12.1117% | 5,374 |
| Total risk-based capital ratio | 13.2132% | 5,485 |
| Memoranda: | ||
| Average total assets | $544,736,800 | 1,231 |
| Average earning assets | $495,745,400 | 1,243 |
| Average equity | $46,127,200 | 1,454 |
| Average total loans | $356,412,400 | 1,258 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2966% | 3,370 |
| Cost of funding earning assets | 1.0248% | 5,826 |
| Net interest margin | 4.2718% | 1,946 |
| Noninterest income to average assets | 0.9538% | 1,607 |
| Noninterest expense to average assets | 3.4293% | 2,210 |
| Loan and lease loss provision to assets | 0.7519% | 2,040 |
| Net operating income to assets | 0.6588% | 3,604 |
| Return on assets (ROA) | 0.6377% | 3,883 |
| Pretax return on assets | 0.6377% | 4,460 |
| Return on Equity (ROE) | 7.4281% | 3,136 |
| Retained earnings to average equity (ytd only) | 0.2255% | 5,689 |
| Net charge-offs to loans | 1.8969% | 1,006 |
| Credit loss provision to net charge-offs | 59.4817% | 5,702 |
| Earnings coverage of net charge-offs (x) | 1.1160% | 4,937 |
| Efficiency ratio | 70.8536% | 3,909 |
| Assets per employee ($millions) | 2.7033% | 6,773 |
| Cash dividends to net income (ytd only)* | 96.9649% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 6,026 |
| Loan loss allowance to noncurrent loans | 79.3182% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 1.3937% | 4,370 |
| Noncurrent loans to loans | 1.3597% | 4,591 |
| Net loans and leases to total assets | 64.7388% | 3,965 |
| Net loans and leases to deposits | 87.9356% | 2,017 |
| Net loans and leases to core deposits | 107.7249% | 1,186 |
| Total domestic deposits to total assets | 73.6207% | 6,970 |
| Equity capital to assets | 8.8799% | 5,732 |
| Core capital (leverage) ratio | 7.9589% | 6,407 |
| Tier 1 risk-based capital ratio | 11.5642% | 5,868 |
| Total risk-based capital ratio | 12.5761% | 6,074 |
| Memoranda: | ||
| Average total assets | $537,322,000 | 1,262 |
| Average earning assets | $488,803,750 | 1,271 |
| Average equity | $46,129,750 | 1,465 |
| Average total loans | $358,046,250 | 1,265 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2600% | 3,652 |
| Cost of funding earning assets | 1.0094% | 6,095 |
| Net interest margin | 4.2506% | 1,960 |
| Noninterest income to average assets | 0.9187% | 1,625 |
| Noninterest expense to average assets | 3.4031% | 2,257 |
| Loan and lease loss provision to assets | 0.6714% | 2,152 |
| Net operating income to assets | 0.7236% | 3,300 |
| Return on assets (ROA) | 0.7739% | 3,242 |
| Pretax return on assets | 0.7739% | 3,970 |
| Return on Equity (ROE) | 9.1202% | 2,412 |
| Retained earnings to average equity (ytd only) | -1.8328% | 6,120 |
| Net charge-offs to loans | 1.6469% | 1,152 |
| Credit loss provision to net charge-offs | 60.8108% | 5,189 |
| Earnings coverage of net charge-offs (x) | 1.2635% | 4,559 |
| Efficiency ratio | 70.9266% | 3,996 |
| Assets per employee ($millions) | 2.7222% | 6,742 |
| Cash dividends to net income (ytd only)* | 120.0964% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 4,902 |
| Loan loss allowance to noncurrent loans | 57.6524% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 1.6621% | 3,942 |
| Noncurrent loans to loans | 2.2604% | 3,416 |
| Net loans and leases to total assets | 64.6863% | 4,111 |
| Net loans and leases to deposits | 88.1975% | 2,141 |
| Net loans and leases to core deposits | 113.2698% | 962 |
| Total domestic deposits to total assets | 73.3426% | 7,057 |
| Equity capital to assets | 8.3070% | 6,416 |
| Core capital (leverage) ratio | 7.8272% | 6,468 |
| Tier 1 risk-based capital ratio | 11.1705% | 6,071 |
| Total risk-based capital ratio | 12.3827% | 6,097 |
| Memoranda: | ||
| Average total assets | $536,212,330 | 1,273 |
| Average earning assets | $489,391,000 | 1,273 |
| Average equity | $45,503,330 | 1,476 |
| Average total loans | $359,452,670 | 1,271 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2813% | 3,637 |
| Cost of funding earning assets | 0.9764% | 6,491 |
| Net interest margin | 4.3049% | 1,676 |
| Noninterest income to average assets | 0.8553% | 1,792 |
| Noninterest expense to average assets | 3.3522% | 2,367 |
| Loan and lease loss provision to assets | 0.6818% | 1,869 |
| Net operating income to assets | 0.7424% | 3,247 |
| Return on assets (ROA) | 0.8485% | 2,850 |
| Pretax return on assets | 0.8485% | 3,677 |
| Return on Equity (ROE) | 9.8892% | 2,140 |
| Retained earnings to average equity (ytd only) | -12.1143% | 7,071 |
| Net charge-offs to loans | 3.0842% | 492 |
| Credit loss provision to net charge-offs | 32.5969% | 4,775 |
| Earnings coverage of net charge-offs (x) | 0.6809% | 4,420 |
| Efficiency ratio | 70.1824% | 4,266 |
| Assets per employee ($millions) | 2.7108% | 6,844 |
| Cash dividends to net income (ytd only)* | 222.5000% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1178% | 5,929 |
| Loan loss allowance to noncurrent loans | 48.5094% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 1.6750% | 3,958 |
| Noncurrent loans to loans | 2.3044% | 3,381 |
| Net loans and leases to total assets | 65.5735% | 3,961 |
| Net loans and leases to deposits | 88.1056% | 2,206 |
| Net loans and leases to core deposits | 118.4644% | 852 |
| Total domestic deposits to total assets | 74.4260% | 6,988 |
| Equity capital to assets | 8.1893% | 6,444 |
| Core capital (leverage) ratio | 8.1268% | 6,028 |
| Tier 1 risk-based capital ratio | 10.7661% | 6,376 |
| Total risk-based capital ratio | 11.7833% | 6,590 |
| Memoranda: | ||
| Average total assets | $528,010,500 | 1,321 |
| Average earning assets | $480,944,000 | 1,327 |
| Average equity | $45,302,000 | 1,486 |
| Average total loans | $358,085,500 | 1,320 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7780% | 2,750 |
| Cost of funding earning assets | 1.2159% | 6,605 |
| Net interest margin | 4.5621% | 1,053 |
| Noninterest income to average assets | 1.0129% | 1,527 |
| Noninterest expense to average assets | 3.4252% | 2,599 |
| Loan and lease loss provision to assets | 0.6605% | 3,170 |
| Net operating income to assets | 1.0898% | 1,538 |
| Return on assets (ROA) | 1.1296% | 1,470 |
| Pretax return on assets | 1.1296% | 2,161 |
| Return on Equity (ROE) | 13.4869% | 871 |
| Retained earnings to average equity (ytd only) | 3.2331% | 2,894 |
| Net charge-offs to loans | 0.2046% | 5,351 |
| Credit loss provision to net charge-offs | 470.7561% | 655 |
| Earnings coverage of net charge-offs (x) | 12.4750% | 1,508 |
| Efficiency ratio | 66.1820% | 5,363 |
| Assets per employee ($millions) | 2.5313% | 7,148 |
| Cash dividends to net income (ytd only)* | 76.0276% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6487% | 3,088 |
| Loan loss allowance to noncurrent loans | 61.6675% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 1.9861% | 3,417 |
| Noncurrent loans to loans | 2.6736% | 2,867 |
| Net loans and leases to total assets | 68.2594% | 3,643 |
| Net loans and leases to deposits | 93.8079% | 1,617 |
| Net loans and leases to core deposits | 141.7439% | 745 |
| Total domestic deposits to total assets | 72.7652% | 7,177 |
| Equity capital to assets | 8.9917% | 5,162 |
| Core capital (leverage) ratio | 8.6258% | 5,058 |
| Tier 1 risk-based capital ratio | 10.4913% | 6,405 |
| Total risk-based capital ratio | 11.6480% | 6,470 |
| Memoranda: | ||
| Average total assets | $499,643,000 | 1,378 |
| Average earning assets | $455,883,800 | 1,382 |
| Average equity | $41,848,000 | 1,595 |
| Average total loans | $342,592,000 | 1,413 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8234% | 2,786 |
| Cost of funding earning assets | 1.2837% | 6,607 |
| Net interest margin | 4.5396% | 1,093 |
| Noninterest income to average assets | 1.0272% | 1,502 |
| Noninterest expense to average assets | 3.4154% | 2,529 |
| Loan and lease loss provision to assets | 0.6450% | 2,822 |
| Net operating income to assets | 1.1086% | 1,713 |
| Return on assets (ROA) | 1.0216% | 2,055 |
| Pretax return on assets | 1.0216% | 2,831 |
| Return on Equity (ROE) | 12.4338% | 1,258 |
| Retained earnings to average equity (ytd only) | -0.9225% | 5,469 |
| Net charge-offs to loans | 0.1876% | 4,895 |
| Credit loss provision to net charge-offs | 503.1447% | 780 |
| Earnings coverage of net charge-offs (x) | 13.6793% | 1,662 |
| Efficiency ratio | 66.0739% | 5,348 |
| Assets per employee ($millions) | 2.6020% | 7,044 |
| Cash dividends to net income (ytd only)* | 107.4191% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 3,461 |
| Loan loss allowance to noncurrent loans | 80.3210% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 1.4797% | 4,159 |
| Noncurrent loans to loans | 1.8643% | 3,819 |
| Net loans and leases to total assets | 68.1680% | 3,920 |
| Net loans and leases to deposits | 92.2367% | 2,199 |
| Net loans and leases to core deposits | 136.8752% | 1,060 |
| Total domestic deposits to total assets | 73.9056% | 6,962 |
| Equity capital to assets | 8.9172% | 5,611 |
| Core capital (leverage) ratio | 8.3250% | 5,800 |
| Tier 1 risk-based capital ratio | 9.8189% | 7,122 |
| Total risk-based capital ratio | 10.9179% | 7,220 |
| Memoranda: | ||
| Average total assets | $496,088,750 | 1,407 |
| Average earning assets | $452,623,500 | 1,411 |
| Average equity | $40,758,750 | 1,657 |
| Average total loans | $339,080,500 | 1,434 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8446% | 2,833 |
| Cost of funding earning assets | 1.3536% | 6,636 |
| Net interest margin | 4.4910% | 1,184 |
| Noninterest income to average assets | 1.0723% | 1,379 |
| Noninterest expense to average assets | 3.3729% | 2,712 |
| Loan and lease loss provision to assets | 0.6072% | 2,622 |
| Net operating income to assets | 1.1982% | 1,483 |
| Return on assets (ROA) | 1.1731% | 1,634 |
| Pretax return on assets | 1.1731% | 2,377 |
| Return on Equity (ROE) | 14.7039% | 875 |
| Retained earnings to average equity (ytd only) | -4.9622% | 6,294 |
| Net charge-offs to loans | 0.2147% | 4,165 |
| Credit loss provision to net charge-offs | 415.5125% | 1,118 |
| Earnings coverage of net charge-offs (x) | 12.3546% | 1,825 |
| Efficiency ratio | 65.1345% | 5,689 |
| Assets per employee ($millions) | 2.7916% | 6,648 |
| Cash dividends to net income (ytd only)* | 133.7474% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3107% | 4,208 |
| Loan loss allowance to noncurrent loans | 76.0757% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.3021% | 4,338 |
| Noncurrent loans to loans | 1.7229% | 3,922 |
| Net loans and leases to total assets | 66.9732% | 4,360 |
| Net loans and leases to deposits | 91.6316% | 2,540 |
| Net loans and leases to core deposits | 118.4822% | 2,502 |
| Total domestic deposits to total assets | 73.0897% | 7,099 |
| Equity capital to assets | 8.1907% | 6,508 |
| Core capital (leverage) ratio | 8.3443% | 5,723 |
| Tier 1 risk-based capital ratio | 9.8844% | 7,055 |
| Total risk-based capital ratio | 10.9353% | 7,185 |
| Memoranda: | ||
| Average total assets | $494,057,000 | 1,431 |
| Average earning assets | $451,700,000 | 1,430 |
| Average equity | $39,418,000 | 1,724 |
| Average total loans | $336,263,000 | 1,480 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9729% | 2,471 |
| Cost of funding earning assets | 1.4436% | 6,598 |
| Net interest margin | 4.5293% | 1,071 |
| Noninterest income to average assets | 1.0515% | 1,343 |
| Noninterest expense to average assets | 3.1740% | 3,096 |
| Loan and lease loss provision to assets | 0.4872% | 2,533 |
| Net operating income to assets | 1.5224% | 899 |
| Return on assets (ROA) | 1.5135% | 985 |
| Pretax return on assets | 1.5135% | 1,628 |
| Return on Equity (ROE) | 19.2279% | 486 |
| Retained earnings to average equity (ytd only) | -12.1825% | 7,278 |
| Net charge-offs to loans | 0.1096% | 4,095 |
| Credit loss provision to net charge-offs | 652.1739% | 885 |
| Earnings coverage of net charge-offs (x) | 26.9022% | 1,159 |
| Efficiency ratio | 61.2312% | 6,212 |
| Assets per employee ($millions) | 2.7919% | 6,665 |
| Cash dividends to net income (ytd only)* | 163.3584% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 5,269 |
| Loan loss allowance to noncurrent loans | 162.9677% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.4679% | 6,078 |
| Noncurrent loans to loans | 0.6924% | 5,675 |
| Net loans and leases to total assets | 66.8030% | 4,386 |
| Net loans and leases to deposits | 89.9311% | 2,941 |
| Net loans and leases to core deposits | 133.0589% | 1,474 |
| Total domestic deposits to total assets | 74.2824% | 6,838 |
| Equity capital to assets | 7.6998% | 7,176 |
| Core capital (leverage) ratio | 8.3138% | 5,883 |
| Tier 1 risk-based capital ratio | 10.5744% | 6,316 |
| Total risk-based capital ratio | 11.5429% | 6,526 |
| Memoranda: | ||
| Average total assets | $492,632,500 | 1,443 |
| Average earning assets | $449,433,500 | 1,440 |
| Average equity | $38,777,000 | 1,750 |
| Average total loans | $335,787,500 | 1,497 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4797% | 3,064 |
| Cost of funding earning assets | 2.2284% | 5,467 |
| Net interest margin | 4.2513% | 2,113 |
| Noninterest income to average assets | 1.5282% | 601 |
| Noninterest expense to average assets | 3.1002% | 3,692 |
| Loan and lease loss provision to assets | 0.1867% | 5,024 |
| Net operating income to assets | 2.1114% | 286 |
| Return on assets (ROA) | 1.2817% | 1,488 |
| Pretax return on assets | 1.2817% | 2,375 |
| Return on Equity (ROE) | 15.5316% | 847 |
| Retained earnings to average equity (ytd only) | 8.3896% | 734 |
| Net charge-offs to loans | 0.1413% | 4,806 |
| Credit loss provision to net charge-offs | 213.0024% | 2,267 |
| Earnings coverage of net charge-offs (x) | 26.2246% | 1,297 |
| Efficiency ratio | 57.4296% | 6,792 |
| Assets per employee ($millions) | 2.8226% | 6,509 |
| Cash dividends to net income (ytd only)* | 45.9835% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 6,230 |
| Loan loss allowance to noncurrent loans | 151.8519% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.4440% | 5,885 |
| Noncurrent loans to loans | 0.6432% | 5,437 |
| Net loans and leases to total assets | 68.0972% | 4,452 |
| Net loans and leases to deposits | 92.4598% | 3,060 |
| Net loans and leases to core deposits | 130.7328% | 1,800 |
| Total domestic deposits to total assets | 73.6506% | 6,706 |
| Equity capital to assets | 8.0461% | 6,784 |
| Core capital (leverage) ratio | 8.5974% | 5,383 |
| Tier 1 risk-based capital ratio | 9.7724% | 6,984 |
| Total risk-based capital ratio | 10.5257% | 7,473 |
| Memoranda: | ||
| Average total assets | $482,716,200 | 1,421 |
| Average earning assets | $439,419,600 | 1,422 |
| Average equity | $39,834,800 | 1,692 |
| Average total loans | $299,411,200 | 1,612 |