| 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 | 4.4500% | 2,020 |
| Cost of funding earning assets | 0.7279% | 1,301 |
| Net interest margin | 3.7221% | 2,719 |
| Noninterest income to average assets | 0.3779% | 3,604 |
| Noninterest expense to average assets | 2.8590% | 2,499 |
| Loan and lease loss provision to assets | 0.2657% | 526 |
| Net operating income to assets | 0.8302% | 3,594 |
| Return on assets (ROA) | 0.8302% | 3,604 |
| Pretax return on assets | 0.8160% | 4,108 |
| Return on Equity (ROE) | 6.9749% | 3,796 |
| Retained earnings to average equity (ytd only) | 1.4882% | 4,494 |
| Net charge-offs to loans | 0.5615% | 266 |
| Credit loss provision to net charge-offs | 67.1642% | 1,848 |
| Earnings coverage of net charge-offs (x) | 2.7343% | 2,436 |
| Efficiency ratio | 72.5502% | 2,113 |
| Assets per employee ($millions) | 5.2238% | 2,229 |
| Cash dividends to net income (ytd only)* | 78.6629% | 858 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8130% | 765 |
| Loan loss allowance to noncurrent loans | 86.0934% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.8063% | 670 |
| Noncurrent loans to loans | 2.1059% | 736 |
| Net loans and leases to total assets | 69.8973% | 2,502 |
| Net loans and leases to deposits | 93.0671% | 1,321 |
| Net loans and leases to core deposits | 111.4979% | 916 |
| Total domestic deposits to total assets | 75.1042% | 5,052 |
| Equity capital to assets | 11.9432% | 1,829 |
| Core capital (leverage) ratio | 12.3916% | 1,435 |
| Tier 1 risk-based capital ratio | 15.8060% | 2,551 |
| Total risk-based capital ratio | 17.0607% | 2,500 |
| Memoranda: |
| Average total assets | $338,715,000 | 1,982 |
| Average earning assets | $324,221,500 | 1,946 |
| Average equity | $40,316,000 | 1,857 |
| Average total loans | $238,629,500 | 1,906 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5423% | 1,581 |
| Cost of funding earning assets | 0.6963% | 1,047 |
| Net interest margin | 3.8460% | 2,267 |
| Noninterest income to average assets | 0.5609% | 2,650 |
| Noninterest expense to average assets | 3.0974% | 1,869 |
| Loan and lease loss provision to assets | 0.4261% | 333 |
| Net operating income to assets | 0.7012% | 3,599 |
| Return on assets (ROA) | 0.7211% | 3,555 |
| Pretax return on assets | 0.7296% | 4,439 |
| Return on Equity (ROE) | 6.2338% | 3,654 |
| Retained earnings to average equity (ytd only) | 4.0314% | 2,769 |
| Net charge-offs to loans | 0.8788% | 224 |
| Credit loss provision to net charge-offs | 68.5768% | 3,106 |
| Earnings coverage of net charge-offs (x) | 1.8276% | 3,846 |
| Efficiency ratio | 73.1748% | 2,033 |
| Assets per employee ($millions) | 5.2785% | 2,170 |
| Cash dividends to net income (ytd only)* | 35.3298% | 3,064 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8495% | 710 |
| Loan loss allowance to noncurrent loans | 81.3120% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.8843% | 630 |
| Noncurrent loans to loans | 2.2745% | 624 |
| Net loans and leases to total assets | 68.4441% | 2,761 |
| Net loans and leases to deposits | 87.6845% | 2,050 |
| Net loans and leases to core deposits | 106.2943% | 1,247 |
| Total domestic deposits to total assets | 78.0572% | 4,711 |
| Equity capital to assets | 11.8631% | 1,933 |
| Core capital (leverage) ratio | 12.1422% | 1,533 |
| Tier 1 risk-based capital ratio | 15.4129% | 2,653 |
| Total risk-based capital ratio | 16.6677% | 2,591 |
| Memoranda: |
| Average total assets | $342,671,000 | 1,951 |
| Average earning assets | $327,170,000 | 1,903 |
| Average equity | $39,638,600 | 1,873 |
| Average total loans | $242,263,600 | 1,866 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5525% | 1,494 |
| Cost of funding earning assets | 0.6790% | 1,079 |
| Net interest margin | 3.8735% | 2,130 |
| Noninterest income to average assets | 0.6235% | 2,344 |
| Noninterest expense to average assets | 3.1441% | 1,690 |
| Loan and lease loss provision to assets | 0.4320% | 305 |
| Net operating income to assets | 0.7359% | 3,789 |
| Return on assets (ROA) | 0.7625% | 3,742 |
| Pretax return on assets | 0.7734% | 4,423 |
| Return on Equity (ROE) | 6.6339% | 3,848 |
| Retained earnings to average equity (ytd only) | 4.0806% | 3,492 |
| Net charge-offs to loans | 0.6951% | 274 |
| Credit loss provision to net charge-offs | 87.6085% | 2,486 |
| Earnings coverage of net charge-offs (x) | 2.3899% | 3,469 |
| Efficiency ratio | 72.7355% | 2,087 |
| Assets per employee ($millions) | 4.4439% | 3,250 |
| Cash dividends to net income (ytd only)* | 38.4892% | 2,360 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9985% | 569 |
| Loan loss allowance to noncurrent loans | 52.2544% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 2.8223% | 339 |
| Noncurrent loans to loans | 3.8245% | 266 |
| Net loans and leases to total assets | 68.9627% | 2,700 |
| Net loans and leases to deposits | 89.5269% | 1,870 |
| Net loans and leases to core deposits | 108.8005% | 1,107 |
| Total domestic deposits to total assets | 77.0302% | 4,885 |
| Equity capital to assets | 11.6033% | 2,275 |
| Core capital (leverage) ratio | 11.9138% | 1,749 |
| Tier 1 risk-based capital ratio | 14.6568% | 3,098 |
| Total risk-based capital ratio | 15.9130% | 3,011 |
| Memoranda: |
| Average total assets | $342,562,500 | 1,965 |
| Average earning assets | $327,138,750 | 1,917 |
| Average equity | $39,372,500 | 1,897 |
| Average total loans | $243,014,500 | 1,869 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5580% | 1,368 |
| Cost of funding earning assets | 0.6602% | 1,088 |
| Net interest margin | 3.8977% | 1,936 |
| Noninterest income to average assets | 0.5528% | 2,704 |
| Noninterest expense to average assets | 3.2544% | 1,459 |
| Loan and lease loss provision to assets | 0.4121% | 316 |
| Net operating income to assets | 0.5942% | 4,333 |
| Return on assets (ROA) | 0.6317% | 4,206 |
| Pretax return on assets | 0.6435% | 4,705 |
| Return on Equity (ROE) | 5.5141% | 4,264 |
| Retained earnings to average equity (ytd only) | 3.3095% | 3,741 |
| Net charge-offs to loans | 1.0038% | 196 |
| Credit loss provision to net charge-offs | 57.7082% | 2,483 |
| Earnings coverage of net charge-offs (x) | 1.4246% | 3,283 |
| Efficiency ratio | 76.1852% | 1,696 |
| Assets per employee ($millions) | 4.4002% | 3,270 |
| Cash dividends to net income (ytd only)* | 39.9814% | 2,329 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8427% | 808 |
| Loan loss allowance to noncurrent loans | 61.7053% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 2.2397% | 526 |
| Noncurrent loans to loans | 2.9864% | 434 |
| Net loans and leases to total assets | 69.3197% | 2,619 |
| Net loans and leases to deposits | 89.5869% | 1,791 |
| Net loans and leases to core deposits | 108.1775% | 1,098 |
| Total domestic deposits to total assets | 77.3770% | 4,907 |
| Equity capital to assets | 11.4493% | 2,367 |
| Core capital (leverage) ratio | 11.8605% | 1,717 |
| Tier 1 risk-based capital ratio | 14.4671% | 3,187 |
| Total risk-based capital ratio | 15.7215% | 3,104 |
| Memoranda: |
| Average total assets | $339,728,330 | 1,983 |
| Average earning assets | $324,136,000 | 1,937 |
| Average equity | $38,918,330 | 1,918 |
| Average total loans | $241,672,330 | 1,871 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6648% | 1,000 |
| Cost of funding earning assets | 0.6496% | 1,081 |
| Net interest margin | 4.0152% | 1,434 |
| Noninterest income to average assets | 0.6259% | 2,291 |
| Noninterest expense to average assets | 3.1057% | 1,850 |
| Loan and lease loss provision to assets | 0.3597% | 323 |
| Net operating income to assets | 0.9679% | 2,446 |
| Return on assets (ROA) | 0.9928% | 2,388 |
| Pretax return on assets | 1.0024% | 3,362 |
| Return on Equity (ROE) | 8.6643% | 2,578 |
| Retained earnings to average equity (ytd only) | 5.1379% | 2,809 |
| Net charge-offs to loans | 0.6935% | 253 |
| Credit loss provision to net charge-offs | 72.6392% | 1,813 |
| Earnings coverage of net charge-offs (x) | 2.6998% | 2,562 |
| Efficiency ratio | 69.9055% | 2,910 |
| Assets per employee ($millions) | 3.9633% | 4,072 |
| Cash dividends to net income (ytd only)* | 40.7005% | 1,981 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0474% | 613 |
| Loan loss allowance to noncurrent loans | 91.7649% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 1.7275% | 856 |
| Noncurrent loans to loans | 2.2311% | 751 |
| Net loans and leases to total assets | 69.9155% | 2,393 |
| Net loans and leases to deposits | 89.4411% | 1,608 |
| Net loans and leases to core deposits | 105.8691% | 1,111 |
| Total domestic deposits to total assets | 78.1694% | 4,950 |
| Equity capital to assets | 11.4125% | 2,243 |
| Core capital (leverage) ratio | 12.1500% | 1,536 |
| Tier 1 risk-based capital ratio | 15.5900% | 2,720 |
| Total risk-based capital ratio | 16.8482% | 2,650 |
| Memoranda: |
| Average total assets | $333,585,500 | 2,026 |
| Average earning assets | $317,095,000 | 1,983 |
| Average equity | $38,226,000 | 1,953 |
| Average total loans | $238,210,500 | 1,901 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6165% | 1,241 |
| Cost of funding earning assets | 0.6530% | 1,036 |
| Net interest margin | 3.9636% | 1,745 |
| Noninterest income to average assets | 0.6997% | 2,172 |
| Noninterest expense to average assets | 3.2358% | 1,714 |
| Loan and lease loss provision to assets | 0.4286% | 344 |
| Net operating income to assets | 0.8003% | 3,302 |
| Return on assets (ROA) | 0.9042% | 2,912 |
| Pretax return on assets | 0.9163% | 3,785 |
| Return on Equity (ROE) | 7.7672% | 3,075 |
| Retained earnings to average equity (ytd only) | 4.0980% | 2,991 |
| Net charge-offs to loans | 0.4414% | 575 |
| Credit loss provision to net charge-offs | 137.5483% | 1,976 |
| Earnings coverage of net charge-offs (x) | 3.9788% | 3,583 |
| Efficiency ratio | 72.2965% | 2,548 |
| Assets per employee ($millions) | 3.7082% | 4,459 |
| Cash dividends to net income (ytd only)* | 47.2389% | 2,450 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1850% | 476 |
| Loan loss allowance to noncurrent loans | 95.3933% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 1.7774% | 838 |
| Noncurrent loans to loans | 2.2905% | 728 |
| Net loans and leases to total assets | 69.8818% | 2,496 |
| Net loans and leases to deposits | 88.1788% | 1,902 |
| Net loans and leases to core deposits | 102.8527% | 1,376 |
| Total domestic deposits to total assets | 79.2501% | 4,736 |
| Equity capital to assets | 11.5079% | 2,165 |
| Core capital (leverage) ratio | 12.0965% | 1,541 |
| Tier 1 risk-based capital ratio | 15.5481% | 2,727 |
| Total risk-based capital ratio | 16.8070% | 2,656 |
| Memoranda: |
| Average total assets | $332,439,600 | 1,989 |
| Average earning assets | $316,710,800 | 1,935 |
| Average equity | $38,701,400 | 1,899 |
| Average total loans | $234,722,600 | 1,870 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6160% | 1,262 |
| Cost of funding earning assets | 0.6661% | 966 |
| Net interest margin | 3.9499% | 1,818 |
| Noninterest income to average assets | 0.8228% | 1,677 |
| Noninterest expense to average assets | 3.3883% | 1,363 |
| Loan and lease loss provision to assets | 0.4791% | 269 |
| Net operating income to assets | 0.7140% | 3,772 |
| Return on assets (ROA) | 0.8516% | 3,269 |
| Pretax return on assets | 0.8607% | 4,119 |
| Return on Equity (ROE) | 7.2943% | 3,404 |
| Retained earnings to average equity (ytd only) | 3.1632% | 4,017 |
| Net charge-offs to loans | 0.3692% | 602 |
| Credit loss provision to net charge-offs | 184.3318% | 1,523 |
| Earnings coverage of net charge-offs (x) | 4.6206% | 3,245 |
| Efficiency ratio | 73.8321% | 2,315 |
| Assets per employee ($millions) | 3.8603% | 4,195 |
| Cash dividends to net income (ytd only)* | 56.6340% | 1,574 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2484% | 474 |
| Loan loss allowance to noncurrent loans | 128.6169% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 1.4292% | 1,285 |
| Noncurrent loans to loans | 1.7482% | 1,190 |
| Net loans and leases to total assets | 67.2394% | 2,913 |
| Net loans and leases to deposits | 86.9174% | 2,153 |
| Net loans and leases to core deposits | 100.8188% | 1,560 |
| Total domestic deposits to total assets | 77.3601% | 5,021 |
| Equity capital to assets | 11.6393% | 2,409 |
| Core capital (leverage) ratio | 11.8932% | 1,749 |
| Tier 1 risk-based capital ratio | 15.1154% | 2,990 |
| Total risk-based capital ratio | 16.3747% | 2,926 |
| Memoranda: |
| Average total assets | $333,968,500 | 1,986 |
| Average earning assets | $318,448,250 | 1,932 |
| Average equity | $38,988,500 | 1,893 |
| Average total loans | $235,119,500 | 1,873 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6831% | 1,087 |
| Cost of funding earning assets | 0.6637% | 972 |
| Net interest margin | 4.0194% | 1,586 |
| Noninterest income to average assets | 0.6445% | 2,392 |
| Noninterest expense to average assets | 3.2711% | 1,646 |
| Loan and lease loss provision to assets | 0.4517% | 314 |
| Net operating income to assets | 0.7422% | 3,589 |
| Return on assets (ROA) | 0.9378% | 2,827 |
| Pretax return on assets | 0.9456% | 3,790 |
| Return on Equity (ROE) | 8.0248% | 2,964 |
| Retained earnings to average equity (ytd only) | 3.6387% | 3,579 |
| Net charge-offs to loans | 0.5187% | 415 |
| Credit loss provision to net charge-offs | 122.7496% | 1,831 |
| Earnings coverage of net charge-offs (x) | 3.2602% | 3,140 |
| Efficiency ratio | 73.1645% | 2,487 |
| Assets per employee ($millions) | 3.7991% | 4,266 |
| Cash dividends to net income (ytd only)* | 54.6564% | 1,753 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0459% | 681 |
| Loan loss allowance to noncurrent loans | 106.9316% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.6774% | 1,078 |
| Noncurrent loans to loans | 1.9133% | 1,056 |
| Net loans and leases to total assets | 69.3711% | 2,573 |
| Net loans and leases to deposits | 89.3362% | 1,828 |
| Net loans and leases to core deposits | 102.9067% | 1,408 |
| Total domestic deposits to total assets | 77.6518% | 5,060 |
| Equity capital to assets | 11.7701% | 2,294 |
| Core capital (leverage) ratio | 11.9143% | 1,694 |
| Tier 1 risk-based capital ratio | 15.1380% | 3,014 |
| Total risk-based capital ratio | 16.3953% | 2,942 |
| Memoranda: |
| Average total assets | $332,054,670 | 2,005 |
| Average earning assets | $316,115,330 | 1,957 |
| Average equity | $38,804,670 | 1,903 |
| Average total loans | $235,601,670 | 1,878 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7547% | 937 |
| Cost of funding earning assets | 0.6619% | 985 |
| Net interest margin | 4.0928% | 1,361 |
| Noninterest income to average assets | 0.6612% | 2,211 |
| Noninterest expense to average assets | 3.2564% | 1,704 |
| Loan and lease loss provision to assets | 0.5439% | 216 |
| Net operating income to assets | 0.7590% | 3,443 |
| Return on assets (ROA) | 0.8727% | 3,002 |
| Pretax return on assets | 0.8848% | 3,911 |
| Return on Equity (ROE) | 7.4951% | 3,188 |
| Retained earnings to average equity (ytd only) | 2.0243% | 4,448 |
| Net charge-offs to loans | 0.0170% | 2,595 |
| Credit loss provision to net charge-offs | 4,500.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 108.7000% | 508 |
| Efficiency ratio | 71.2510% | 2,911 |
| Assets per employee ($millions) | 3.6176% | 4,616 |
| Cash dividends to net income (ytd only)* | 72.9917% | 1,128 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1983% | 590 |
| Loan loss allowance to noncurrent loans | 92.6860% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 2.0319% | 846 |
| Noncurrent loans to loans | 2.3717% | 826 |
| Net loans and leases to total assets | 69.5327% | 2,418 |
| Net loans and leases to deposits | 87.8986% | 1,841 |
| Net loans and leases to core deposits | 100.6185% | 1,436 |
| Total domestic deposits to total assets | 79.1055% | 4,943 |
| Equity capital to assets | 11.7815% | 2,174 |
| Core capital (leverage) ratio | 11.8004% | 1,747 |
| Tier 1 risk-based capital ratio | 15.2946% | 3,016 |
| Total risk-based capital ratio | 16.5541% | 2,955 |
| Memoranda: |
| Average total assets | $330,921,000 | 2,020 |
| Average earning assets | $316,063,500 | 1,967 |
| Average equity | $38,532,000 | 1,911 |
| Average total loans | $235,019,000 | 1,880 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7538% | 1,004 |
| Cost of funding earning assets | 0.6699% | 959 |
| Net interest margin | 4.0839% | 1,449 |
| Noninterest income to average assets | 0.8956% | 1,452 |
| Noninterest expense to average assets | 3.2485% | 1,841 |
| Loan and lease loss provision to assets | 0.6199% | 167 |
| Net operating income to assets | 0.8973% | 2,885 |
| Return on assets (ROA) | 0.9168% | 2,863 |
| Pretax return on assets | 0.9233% | 3,757 |
| Return on Equity (ROE) | 8.2676% | 2,813 |
| Retained earnings to average equity (ytd only) | 4.9696% | 2,442 |
| Net charge-offs to loans | 1.1322% | 159 |
| Credit loss provision to net charge-offs | 77.2627% | 2,996 |
| Earnings coverage of net charge-offs (x) | 1.8988% | 4,012 |
| Efficiency ratio | 68.0750% | 3,561 |
| Assets per employee ($millions) | 4.0566% | 3,835 |
| Cash dividends to net income (ytd only)* | 39.8905% | 2,843 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9937% | 814 |
| Loan loss allowance to noncurrent loans | 87.1296% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 1.9673% | 906 |
| Noncurrent loans to loans | 2.2882% | 841 |
| Net loans and leases to total assets | 69.5301% | 2,442 |
| Net loans and leases to deposits | 87.7103% | 1,917 |
| Net loans and leases to core deposits | 101.0989% | 1,434 |
| Total domestic deposits to total assets | 79.2725% | 4,911 |
| Equity capital to assets | 11.5076% | 2,351 |
| Core capital (leverage) ratio | 11.4263% | 2,017 |
| Tier 1 risk-based capital ratio | 15.0544% | 3,155 |
| Total risk-based capital ratio | 16.3116% | 3,080 |
| Memoranda: |
| Average total assets | $338,769,800 | 1,930 |
| Average earning assets | $321,552,200 | 1,886 |
| Average equity | $37,568,200 | 1,901 |
| Average total loans | $240,055,200 | 1,800 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7921% | 955 |
| Cost of funding earning assets | 0.6662% | 995 |
| Net interest margin | 4.1259% | 1,335 |
| Noninterest income to average assets | 0.7848% | 1,852 |
| Noninterest expense to average assets | 3.2382% | 1,856 |
| Loan and lease loss provision to assets | 0.6171% | 145 |
| Net operating income to assets | 0.8237% | 3,309 |
| Return on assets (ROA) | 0.8381% | 3,315 |
| Pretax return on assets | 0.8459% | 4,190 |
| Return on Equity (ROE) | 7.6274% | 3,270 |
| Retained earnings to average equity (ytd only) | 4.2505% | 3,439 |
| Net charge-offs to loans | 0.8451% | 233 |
| Credit loss provision to net charge-offs | 103.0759% | 2,204 |
| Earnings coverage of net charge-offs (x) | 2.4195% | 3,674 |
| Efficiency ratio | 69.0938% | 3,355 |
| Assets per employee ($millions) | 4.0962% | 3,706 |
| Cash dividends to net income (ytd only)* | 44.2732% | 2,124 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2342% | 628 |
| Loan loss allowance to noncurrent loans | 53.5501% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 3.1521% | 455 |
| Noncurrent loans to loans | 4.1721% | 296 |
| Net loans and leases to total assets | 68.2935% | 2,637 |
| Net loans and leases to deposits | 86.0355% | 2,134 |
| Net loans and leases to core deposits | 98.1062% | 1,691 |
| Total domestic deposits to total assets | 79.3783% | 4,890 |
| Equity capital to assets | 11.0200% | 3,005 |
| Core capital (leverage) ratio | 11.1509% | 2,352 |
| Tier 1 risk-based capital ratio | 14.0756% | 3,810 |
| Total risk-based capital ratio | 15.3346% | 3,745 |
| Memoranda: |
| Average total assets | $340,302,250 | 1,936 |
| Average earning assets | $321,829,500 | 1,894 |
| Average equity | $37,390,500 | 1,924 |
| Average total loans | $241,071,500 | 1,798 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8371% | 826 |
| Cost of funding earning assets | 0.6635% | 1,034 |
| Net interest margin | 4.1736% | 1,164 |
| Noninterest income to average assets | 0.7610% | 1,944 |
| Noninterest expense to average assets | 3.1890% | 2,013 |
| Loan and lease loss provision to assets | 0.6194% | 143 |
| Net operating income to assets | 0.8778% | 3,000 |
| Return on assets (ROA) | 0.8813% | 3,098 |
| Pretax return on assets | 0.8931% | 3,984 |
| Return on Equity (ROE) | 8.0291% | 3,037 |
| Retained earnings to average equity (ytd only) | 4.2026% | 3,360 |
| Net charge-offs to loans | 1.2341% | 148 |
| Credit loss provision to net charge-offs | 70.5171% | 2,459 |
| Earnings coverage of net charge-offs (x) | 1.7179% | 3,462 |
| Efficiency ratio | 67.8805% | 3,686 |
| Assets per employee ($millions) | 3.7314% | 4,362 |
| Cash dividends to net income (ytd only)* | 47.6573% | 2,038 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0273% | 946 |
| Loan loss allowance to noncurrent loans | 50.5695% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 3.2200% | 479 |
| Noncurrent loans to loans | 4.0089% | 384 |
| Net loans and leases to total assets | 68.7546% | 2,523 |
| Net loans and leases to deposits | 86.7913% | 1,970 |
| Net loans and leases to core deposits | 99.4933% | 1,533 |
| Total domestic deposits to total assets | 79.2183% | 5,045 |
| Equity capital to assets | 10.8689% | 3,027 |
| Core capital (leverage) ratio | 11.1266% | 2,307 |
| Tier 1 risk-based capital ratio | 14.2996% | 3,762 |
| Total risk-based capital ratio | 15.5572% | 3,678 |
| Memoranda: |
| Average total assets | $339,041,670 | 1,959 |
| Average earning assets | $319,819,000 | 1,921 |
| Average equity | $37,214,670 | 1,939 |
| Average total loans | $241,309,670 | 1,801 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9966% | 570 |
| Cost of funding earning assets | 0.6749% | 977 |
| Net interest margin | 4.3217% | 841 |
| Noninterest income to average assets | 0.7230% | 2,052 |
| Noninterest expense to average assets | 3.2875% | 1,748 |
| Loan and lease loss provision to assets | 0.6233% | 150 |
| Net operating income to assets | 0.8679% | 2,916 |
| Return on assets (ROA) | 0.8691% | 3,024 |
| Pretax return on assets | 0.8809% | 3,960 |
| Return on Equity (ROE) | 7.8782% | 3,017 |
| Retained earnings to average equity (ytd only) | 3.7023% | 3,790 |
| Net charge-offs to loans | 0.6178% | 395 |
| Credit loss provision to net charge-offs | 140.7507% | 1,303 |
| Earnings coverage of net charge-offs (x) | 3.3941% | 2,610 |
| Efficiency ratio | 68.6245% | 3,721 |
| Assets per employee ($millions) | 3.8029% | 4,330 |
| Cash dividends to net income (ytd only)* | 53.0055% | 1,618 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2912% | 711 |
| Loan loss allowance to noncurrent loans | 49.3777% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 3.7618% | 416 |
| Noncurrent loans to loans | 4.6402% | 323 |
| Net loans and leases to total assets | 69.7684% | 2,170 |
| Net loans and leases to deposits | 87.4815% | 1,676 |
| Net loans and leases to core deposits | 99.6879% | 1,340 |
| Total domestic deposits to total assets | 79.7522% | 5,110 |
| Equity capital to assets | 11.2460% | 2,703 |
| Core capital (leverage) ratio | 10.8469% | 2,576 |
| Tier 1 risk-based capital ratio | 14.3552% | 3,796 |
| Total risk-based capital ratio | 15.5425% | 3,760 |
| Memoranda: |
| Average total assets | $336,916,500 | 1,975 |
| Average earning assets | $317,094,000 | 1,947 |
| Average equity | $37,166,000 | 1,959 |
| Average total loans | $241,508,000 | 1,799 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8657% | 982 |
| Cost of funding earning assets | 0.6736% | 1,253 |
| Net interest margin | 4.1921% | 1,330 |
| Noninterest income to average assets | 0.7264% | 2,180 |
| Noninterest expense to average assets | 3.2359% | 2,110 |
| Loan and lease loss provision to assets | 0.7027% | 179 |
| Net operating income to assets | 0.7392% | 3,682 |
| Return on assets (ROA) | 0.7561% | 3,701 |
| Pretax return on assets | 0.7666% | 4,378 |
| Return on Equity (ROE) | 7.1915% | 3,523 |
| Retained earnings to average equity (ytd only) | 3.9499% | 3,402 |
| Net charge-offs to loans | 0.8296% | 414 |
| Credit loss provision to net charge-offs | 117.8248% | 2,035 |
| Earnings coverage of net charge-offs (x) | 2.4350% | 4,152 |
| Efficiency ratio | 69.0238% | 3,708 |
| Assets per employee ($millions) | 3.9440% | 4,072 |
| Cash dividends to net income (ytd only)* | 45.0755% | 2,564 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1810% | 843 |
| Loan loss allowance to noncurrent loans | 40.3992% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 4.2178% | 385 |
| Noncurrent loans to loans | 5.3987% | 244 |
| Net loans and leases to total assets | 70.3862% | 2,172 |
| Net loans and leases to deposits | 87.9792% | 1,735 |
| Net loans and leases to core deposits | 101.3862% | 1,284 |
| Total domestic deposits to total assets | 80.0032% | 5,015 |
| Equity capital to assets | 10.8193% | 3,100 |
| Core capital (leverage) ratio | 11.0406% | 2,366 |
| Tier 1 risk-based capital ratio | 14.3367% | 3,874 |
| Total risk-based capital ratio | 15.5967% | 3,804 |
| Memoranda: |
| Average total assets | $333,011,800 | 1,946 |
| Average earning assets | $314,712,400 | 1,906 |
| Average equity | $35,013,800 | 1,993 |
| Average total loans | $239,388,400 | 1,765 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8542% | 1,017 |
| Cost of funding earning assets | 0.6728% | 1,303 |
| Net interest margin | 4.1814% | 1,346 |
| Noninterest income to average assets | 0.5623% | 3,119 |
| Noninterest expense to average assets | 3.2252% | 2,104 |
| Loan and lease loss provision to assets | 0.6335% | 208 |
| Net operating income to assets | 0.6687% | 4,109 |
| Return on assets (ROA) | 0.6914% | 4,074 |
| Pretax return on assets | 0.6967% | 4,711 |
| Return on Equity (ROE) | 6.6254% | 3,891 |
| Retained earnings to average equity (ytd only) | 3.3301% | 4,245 |
| Net charge-offs to loans | 0.5714% | 653 |
| Credit loss provision to net charge-offs | 154.2605% | 1,543 |
| Earnings coverage of net charge-offs (x) | 3.1832% | 3,709 |
| Efficiency ratio | 71.1573% | 3,315 |
| Assets per employee ($millions) | 3.7036% | 4,484 |
| Cash dividends to net income (ytd only)* | 49.7382% | 1,851 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2765% | 850 |
| Loan loss allowance to noncurrent loans | 42.7047% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 4.1515% | 455 |
| Noncurrent loans to loans | 5.3308% | 313 |
| Net loans and leases to total assets | 71.1286% | 2,003 |
| Net loans and leases to deposits | 89.6804% | 1,456 |
| Net loans and leases to core deposits | 100.8465% | 1,304 |
| Total domestic deposits to total assets | 79.3135% | 5,258 |
| Equity capital to assets | 10.7580% | 3,229 |
| Core capital (leverage) ratio | 10.9043% | 2,576 |
| Tier 1 risk-based capital ratio | 14.2687% | 4,043 |
| Total risk-based capital ratio | 15.5300% | 3,959 |
| Memoranda: |
| Average total assets | $331,469,750 | 1,968 |
| Average earning assets | $314,716,750 | 1,913 |
| Average equity | $34,593,000 | 2,024 |
| Average total loans | $238,220,750 | 1,775 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8894% | 929 |
| Cost of funding earning assets | 0.6748% | 1,346 |
| Net interest margin | 4.2146% | 1,203 |
| Noninterest income to average assets | 0.4878% | 3,572 |
| Noninterest expense to average assets | 3.2468% | 2,062 |
| Loan and lease loss provision to assets | 0.6347% | 223 |
| Net operating income to assets | 0.5985% | 4,362 |
| Return on assets (ROA) | 0.6190% | 4,355 |
| Pretax return on assets | 0.6214% | 4,889 |
| Return on Equity (ROE) | 5.9934% | 4,150 |
| Retained earnings to average equity (ytd only) | 2.4992% | 4,615 |
| Net charge-offs to loans | 0.0034% | 4,272 |
| Credit loss provision to net charge-offs | 26,250.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 511.0000% | 138 |
| Efficiency ratio | 72.4343% | 3,256 |
| Assets per employee ($millions) | 3.5069% | 4,835 |
| Cash dividends to net income (ytd only)* | 58.3008% | 1,587 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5400% | 678 |
| Loan loss allowance to noncurrent loans | 79.4296% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 2.6893% | 995 |
| Noncurrent loans to loans | 3.1978% | 887 |
| Net loans and leases to total assets | 68.5659% | 2,315 |
| Net loans and leases to deposits | 85.1561% | 1,910 |
| Net loans and leases to core deposits | 95.7190% | 1,630 |
| Total domestic deposits to total assets | 80.5179% | 5,119 |
| Equity capital to assets | 10.5583% | 3,370 |
| Core capital (leverage) ratio | 10.7600% | 2,660 |
| Tier 1 risk-based capital ratio | 14.3333% | 4,042 |
| Total risk-based capital ratio | 15.5965% | 3,969 |
| Memoranda: |
| Average total assets | $330,852,000 | 1,973 |
| Average earning assets | $313,575,670 | 1,913 |
| Average equity | $34,171,000 | 2,034 |
| Average total loans | $236,757,330 | 1,778 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8400% | 968 |
| Cost of funding earning assets | 0.6738% | 1,415 |
| Net interest margin | 4.1662% | 1,306 |
| Noninterest income to average assets | 0.5342% | 3,151 |
| Noninterest expense to average assets | 3.3920% | 1,724 |
| Loan and lease loss provision to assets | 0.6403% | 198 |
| Net operating income to assets | 0.4659% | 4,868 |
| Return on assets (ROA) | 0.5074% | 4,734 |
| Pretax return on assets | 0.4952% | 5,184 |
| Return on Equity (ROE) | 4.9696% | 4,564 |
| Retained earnings to average equity (ytd only) | 2.2100% | 4,720 |
| Net charge-offs to loans | 0.2822% | 1,218 |
| Credit loss provision to net charge-offs | 314.3713% | 774 |
| Earnings coverage of net charge-offs (x) | 5.3713% | 2,376 |
| Efficiency ratio | 75.6117% | 2,860 |
| Assets per employee ($millions) | 3.4631% | 5,002 |
| Cash dividends to net income (ytd only)* | 55.5288% | 1,535 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2597% | 1,088 |
| Loan loss allowance to noncurrent loans | 52.6852% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 3.2964% | 811 |
| Noncurrent loans to loans | 4.2890% | 601 |
| Net loans and leases to total assets | 69.3075% | 2,013 |
| Net loans and leases to deposits | 85.1551% | 1,709 |
| Net loans and leases to core deposits | 96.1232% | 1,374 |
| Total domestic deposits to total assets | 81.3897% | 5,126 |
| Equity capital to assets | 10.2083% | 3,589 |
| Core capital (leverage) ratio | 10.7047% | 2,699 |
| Tier 1 risk-based capital ratio | 14.1214% | 4,244 |
| Total risk-based capital ratio | 15.3824% | 4,188 |
| Memoranda: |
| Average total assets | $327,946,500 | 1,993 |
| Average earning assets | $311,077,000 | 1,941 |
| Average equity | $33,483,500 | 2,059 |
| Average total loans | $236,710,000 | 1,780 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9651% | 983 |
| Cost of funding earning assets | 0.7513% | 1,488 |
| Net interest margin | 4.2138% | 1,315 |
| Noninterest income to average assets | 0.2434% | 5,602 |
| Noninterest expense to average assets | 3.0764% | 2,818 |
| Loan and lease loss provision to assets | 0.8397% | 243 |
| Net operating income to assets | 0.2909% | 5,556 |
| Return on assets (ROA) | 0.3403% | 5,483 |
| Pretax return on assets | 0.3455% | 5,613 |
| Return on Equity (ROE) | 3.3785% | 5,369 |
| Retained earnings to average equity (ytd only) | -0.4814% | 5,970 |
| Net charge-offs to loans | 1.1482% | 471 |
| Credit loss provision to net charge-offs | 103.4125% | 2,344 |
| Earnings coverage of net charge-offs (x) | 1.3980% | 4,595 |
| Efficiency ratio | 73.0458% | 3,280 |
| Assets per employee ($millions) | 3.4408% | 5,006 |
| Cash dividends to net income (ytd only)* | 114.2478% | 265 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0907% | 1,350 |
| Loan loss allowance to noncurrent loans | 46.5524% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 4.0339% | 654 |
| Noncurrent loans to loans | 4.4910% | 589 |
| Net loans and leases to total assets | 71.9482% | 1,690 |
| Net loans and leases to deposits | 89.0189% | 1,345 |
| Net loans and leases to core deposits | 101.5155% | 1,058 |
| Total domestic deposits to total assets | 80.8235% | 5,228 |
| Equity capital to assets | 10.2119% | 3,493 |
| Core capital (leverage) ratio | 10.6359% | 2,747 |
| Tier 1 risk-based capital ratio | 13.9401% | 4,333 |
| Total risk-based capital ratio | 15.1992% | 4,269 |
| Memoranda: |
| Average total assets | $332,012,600 | 1,940 |
| Average earning assets | $312,662,000 | 1,896 |
| Average equity | $33,447,200 | 2,059 |
| Average total loans | $234,798,600 | 1,760 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9257% | 1,072 |
| Cost of funding earning assets | 0.7663% | 1,507 |
| Net interest margin | 4.1593% | 1,458 |
| Noninterest income to average assets | 0.3479% | 4,902 |
| Noninterest expense to average assets | 3.1051% | 2,636 |
| Loan and lease loss provision to assets | 0.6201% | 381 |
| Net operating income to assets | 0.5259% | 4,682 |
| Return on assets (ROA) | 0.5698% | 4,619 |
| Pretax return on assets | 0.5782% | 5,106 |
| Return on Equity (ROE) | 5.6747% | 4,363 |
| Retained earnings to average equity (ytd only) | 1.8041% | 5,235 |
| Net charge-offs to loans | 1.0708% | 529 |
| Credit loss provision to net charge-offs | 82.6596% | 2,782 |
| Earnings coverage of net charge-offs (x) | 1.5383% | 4,324 |
| Efficiency ratio | 72.9061% | 3,238 |
| Assets per employee ($millions) | 3.8841% | 4,060 |
| Cash dividends to net income (ytd only)* | 68.2071% | 1,137 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9507% | 1,849 |
| Loan loss allowance to noncurrent loans | 51.9283% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 4.0345% | 767 |
| Noncurrent loans to loans | 3.7566% | 981 |
| Net loans and leases to total assets | 69.2854% | 2,086 |
| Net loans and leases to deposits | 84.8473% | 1,762 |
| Net loans and leases to core deposits | 99.7314% | 1,135 |
| Total domestic deposits to total assets | 81.6589% | 5,041 |
| Equity capital to assets | 9.9398% | 3,988 |
| Core capital (leverage) ratio | 10.3131% | 3,223 |
| Tier 1 risk-based capital ratio | 13.6030% | 4,688 |
| Total risk-based capital ratio | 14.8596% | 4,642 |
| Memoranda: |
| Average total assets | $334,156,500 | 1,934 |
| Average earning assets | $314,210,000 | 1,901 |
| Average equity | $33,551,750 | 2,072 |
| Average total loans | $234,079,250 | 1,761 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8920% | 1,115 |
| Cost of funding earning assets | 0.7804% | 1,524 |
| Net interest margin | 4.1117% | 1,508 |
| Noninterest income to average assets | 0.3368% | 4,986 |
| Noninterest expense to average assets | 3.1148% | 2,624 |
| Loan and lease loss provision to assets | 0.5365% | 497 |
| Net operating income to assets | 0.5443% | 4,577 |
| Return on assets (ROA) | 0.6099% | 4,409 |
| Pretax return on assets | 0.6182% | 4,957 |
| Return on Equity (ROE) | 6.0538% | 4,140 |
| Retained earnings to average equity (ytd only) | 1.2782% | 5,386 |
| Net charge-offs to loans | 0.1323% | 3,054 |
| Credit loss provision to net charge-offs | 580.6452% | 498 |
| Earnings coverage of net charge-offs (x) | 11.7806% | 2,030 |
| Efficiency ratio | 74.1030% | 3,110 |
| Assets per employee ($millions) | 3.6976% | 4,404 |
| Cash dividends to net income (ytd only)* | 78.8856% | 928 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3441% | 1,184 |
| Loan loss allowance to noncurrent loans | 98.3039% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 2.7796% | 1,493 |
| Noncurrent loans to loans | 2.3846% | 1,972 |
| Net loans and leases to total assets | 70.3786% | 1,822 |
| Net loans and leases to deposits | 86.0430% | 1,576 |
| Net loans and leases to core deposits | 96.9200% | 1,283 |
| Total domestic deposits to total assets | 81.7946% | 5,115 |
| Equity capital to assets | 9.7729% | 4,211 |
| Core capital (leverage) ratio | 10.2036% | 3,225 |
| Tier 1 risk-based capital ratio | 13.2676% | 4,942 |
| Total risk-based capital ratio | 14.5292% | 4,877 |
| Memoranda: |
| Average total assets | $335,492,330 | 1,933 |
| Average earning assets | $315,491,670 | 1,898 |
| Average equity | $33,797,000 | 2,062 |
| Average total loans | $234,340,330 | 1,754 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8756% | 1,142 |
| Cost of funding earning assets | 0.7884% | 1,594 |
| Net interest margin | 4.0873% | 1,498 |
| Noninterest income to average assets | 0.4643% | 4,026 |
| Noninterest expense to average assets | 3.1825% | 2,411 |
| Loan and lease loss provision to assets | 0.5344% | 500 |
| Net operating income to assets | 0.5737% | 4,340 |
| Return on assets (ROA) | 0.5783% | 4,473 |
| Pretax return on assets | 0.5878% | 4,991 |
| Return on Equity (ROE) | 5.6572% | 4,219 |
| Retained earnings to average equity (ytd only) | 2.1026% | 4,950 |
| Net charge-offs to loans | 0.2625% | 1,907 |
| Credit loss provision to net charge-offs | 296.0526% | 814 |
| Earnings coverage of net charge-offs (x) | 6.1908% | 2,257 |
| Efficiency ratio | 74.0127% | 3,261 |
| Assets per employee ($millions) | 3.8453% | 4,263 |
| Cash dividends to net income (ytd only)* | 62.8337% | 1,255 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2221% | 1,544 |
| Loan loss allowance to noncurrent loans | 104.7137% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 3.0334% | 1,473 |
| Noncurrent loans to loans | 2.1221% | 2,472 |
| Net loans and leases to total assets | 68.0790% | 1,996 |
| Net loans and leases to deposits | 83.5381% | 1,646 |
| Net loans and leases to core deposits | 93.8859% | 1,354 |
| Total domestic deposits to total assets | 81.4946% | 5,364 |
| Equity capital to assets | 10.3021% | 3,794 |
| Core capital (leverage) ratio | 10.1464% | 3,223 |
| Tier 1 risk-based capital ratio | 13.3865% | 4,948 |
| Total risk-based capital ratio | 14.6462% | 4,895 |
| Memoranda: |
| Average total assets | $336,845,500 | 1,949 |
| Average earning assets | $316,103,000 | 1,917 |
| Average equity | $34,434,000 | 2,054 |
| Average total loans | $231,594,500 | 1,783 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3534% | 820 |
| Cost of funding earning assets | 0.8748% | 2,098 |
| Net interest margin | 4.4786% | 980 |
| Noninterest income to average assets | 0.5383% | 3,657 |
| Noninterest expense to average assets | 3.2109% | 2,572 |
| Loan and lease loss provision to assets | 0.6164% | 885 |
| Net operating income to assets | 0.8741% | 2,936 |
| Return on assets (ROA) | 1.1216% | 2,034 |
| Pretax return on assets | 1.1403% | 3,019 |
| Return on Equity (ROE) | 11.1934% | 1,744 |
| Retained earnings to average equity (ytd only) | 6.0258% | 2,065 |
| Net charge-offs to loans | 0.7910% | 1,483 |
| Credit loss provision to net charge-offs | 110.2151% | 2,651 |
| Earnings coverage of net charge-offs (x) | 2.6892% | 4,086 |
| Efficiency ratio | 68.0995% | 4,125 |
| Assets per employee ($millions) | 3.7269% | 4,511 |
| Cash dividends to net income (ytd only)* | 46.1662% | 2,518 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1181% | 1,719 |
| Loan loss allowance to noncurrent loans | 104.9946% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 3.0421% | 1,554 |
| Noncurrent loans to loans | 2.0173% | 2,680 |
| Net loans and leases to total assets | 66.4554% | 2,462 |
| Net loans and leases to deposits | 81.3644% | 2,096 |
| Net loans and leases to core deposits | 92.1306% | 1,625 |
| Total domestic deposits to total assets | 81.6763% | 5,203 |
| Equity capital to assets | 10.1440% | 3,976 |
| Core capital (leverage) ratio | 10.1430% | 3,216 |
| Tier 1 risk-based capital ratio | 13.2639% | 4,925 |
| Total risk-based capital ratio | 14.5218% | 4,865 |
| Memoranda: |
| Average total assets | $332,555,600 | 1,936 |
| Average earning assets | $310,138,400 | 1,907 |
| Average equity | $33,323,200 | 2,069 |
| Average total loans | $235,159,000 | 1,736 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4226% | 796 |
| Cost of funding earning assets | 0.8979% | 2,184 |
| Net interest margin | 4.5247% | 944 |
| Noninterest income to average assets | 0.5355% | 3,708 |
| Noninterest expense to average assets | 3.2185% | 2,502 |
| Loan and lease loss provision to assets | 0.7051% | 721 |
| Net operating income to assets | 0.8191% | 3,347 |
| Return on assets (ROA) | 1.0730% | 2,402 |
| Pretax return on assets | 1.0903% | 3,384 |
| Return on Equity (ROE) | 10.7420% | 2,052 |
| Retained earnings to average equity (ytd only) | 5.7118% | 2,889 |
| Net charge-offs to loans | 0.6464% | 1,697 |
| Credit loss provision to net charge-offs | 152.7051% | 1,843 |
| Earnings coverage of net charge-offs (x) | 3.3272% | 3,686 |
| Efficiency ratio | 67.6892% | 4,134 |
| Assets per employee ($millions) | 3.7281% | 4,481 |
| Cash dividends to net income (ytd only)* | 46.8270% | 1,847 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2402% | 1,627 |
| Loan loss allowance to noncurrent loans | 114.2271% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 3.0543% | 1,701 |
| Noncurrent loans to loans | 1.9612% | 2,881 |
| Net loans and leases to total assets | 68.8128% | 2,148 |
| Net loans and leases to deposits | 83.8222% | 1,890 |
| Net loans and leases to core deposits | 96.8596% | 1,345 |
| Total domestic deposits to total assets | 82.0938% | 4,985 |
| Equity capital to assets | 10.2127% | 4,185 |
| Core capital (leverage) ratio | 9.7815% | 3,832 |
| Tier 1 risk-based capital ratio | 12.8245% | 5,391 |
| Total risk-based capital ratio | 14.0842% | 5,352 |
| Memoranda: |
| Average total assets | $330,908,000 | 1,964 |
| Average earning assets | $308,579,000 | 1,937 |
| Average equity | $33,053,250 | 2,102 |
| Average total loans | $236,384,250 | 1,751 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4550% | 792 |
| Cost of funding earning assets | 0.9077% | 2,337 |
| Net interest margin | 4.5472% | 913 |
| Noninterest income to average assets | 0.5471% | 3,597 |
| Noninterest expense to average assets | 3.2389% | 2,466 |
| Loan and lease loss provision to assets | 0.7894% | 643 |
| Net operating income to assets | 0.7335% | 3,690 |
| Return on assets (ROA) | 1.0019% | 2,671 |
| Pretax return on assets | 1.0207% | 3,630 |
| Return on Equity (ROE) | 10.1076% | 2,314 |
| Retained earnings to average equity (ytd only) | 4.3738% | 3,706 |
| Net charge-offs to loans | 0.7545% | 1,458 |
| Credit loss provision to net charge-offs | 145.7399% | 1,903 |
| Earnings coverage of net charge-offs (x) | 2.8363% | 3,608 |
| Efficiency ratio | 67.8281% | 4,158 |
| Assets per employee ($millions) | 3.8262% | 4,255 |
| Cash dividends to net income (ytd only)* | 56.7273% | 1,483 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1503% | 1,884 |
| Loan loss allowance to noncurrent loans | 110.6406% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 3.1965% | 1,706 |
| Noncurrent loans to loans | 1.9435% | 3,006 |
| Net loans and leases to total assets | 68.0848% | 2,281 |
| Net loans and leases to deposits | 82.4048% | 2,062 |
| Net loans and leases to core deposits | 96.4378% | 1,396 |
| Total domestic deposits to total assets | 82.6224% | 4,897 |
| Equity capital to assets | 9.7142% | 4,740 |
| Core capital (leverage) ratio | 9.6318% | 3,948 |
| Tier 1 risk-based capital ratio | 12.4253% | 5,630 |
| Total risk-based capital ratio | 13.6749% | 5,603 |
| Memoranda: |
| Average total assets | $329,366,670 | 1,971 |
| Average earning assets | $306,253,000 | 1,946 |
| Average equity | $32,648,670 | 2,109 |
| Average total loans | $236,452,330 | 1,745 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6025% | 623 |
| Cost of funding earning assets | 0.9211% | 2,507 |
| Net interest margin | 4.6814% | 708 |
| Noninterest income to average assets | 0.5473% | 3,584 |
| Noninterest expense to average assets | 3.1453% | 2,776 |
| Loan and lease loss provision to assets | 0.5559% | 1,048 |
| Net operating income to assets | 1.1612% | 1,854 |
| Return on assets (ROA) | 1.2786% | 1,682 |
| Pretax return on assets | 1.2972% | 2,546 |
| Return on Equity (ROE) | 12.7648% | 1,475 |
| Retained earnings to average equity (ytd only) | 7.1532% | 2,349 |
| Net charge-offs to loans | 0.0610% | 3,886 |
| Credit loss provision to net charge-offs | 1,250.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 763 |
| Efficiency ratio | 64.4557% | 4,838 |
| Assets per employee ($millions) | 3.6910% | 4,676 |
| Cash dividends to net income (ytd only)* | 43.9614% | 1,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1449% | 2,001 |
| Loan loss allowance to noncurrent loans | 163.7035% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 3.3438% | 1,724 |
| Noncurrent loans to loans | 1.3102% | 4,151 |
| Net loans and leases to total assets | 71.6470% | 1,465 |
| Net loans and leases to deposits | 87.0400% | 1,284 |
| Net loans and leases to core deposits | 104.4206% | 750 |
| Total domestic deposits to total assets | 82.3150% | 5,191 |
| Equity capital to assets | 10.1422% | 3,930 |
| Core capital (leverage) ratio | 10.0644% | 3,292 |
| Tier 1 risk-based capital ratio | 12.4996% | 5,599 |
| Total risk-based capital ratio | 13.7584% | 5,560 |
| Memoranda: |
| Average total assets | $323,784,500 | 2,005 |
| Average earning assets | $299,651,500 | 1,984 |
| Average equity | $32,433,000 | 2,120 |
| Average total loans | $236,206,000 | 1,750 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7810% | 666 |
| Cost of funding earning assets | 1.1171% | 2,557 |
| Net interest margin | 4.6639% | 810 |
| Noninterest income to average assets | 0.5528% | 3,486 |
| Noninterest expense to average assets | 3.4256% | 2,178 |
| Loan and lease loss provision to assets | 0.7143% | 1,428 |
| Net operating income to assets | 0.7152% | 3,417 |
| Return on assets (ROA) | 0.9463% | 2,549 |
| Pretax return on assets | 0.9662% | 3,364 |
| Return on Equity (ROE) | 9.6501% | 2,187 |
| Retained earnings to average equity (ytd only) | 4.9379% | 2,686 |
| Net charge-offs to loans | 0.6803% | 2,456 |
| Credit loss provision to net charge-offs | 137.8049% | 2,152 |
| Earnings coverage of net charge-offs (x) | 2.7872% | 3,827 |
| Efficiency ratio | 70.3355% | 3,880 |
| Assets per employee ($millions) | 3.5862% | 4,809 |
| Cash dividends to net income (ytd only)* | 48.8310% | 2,110 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9979% | 2,287 |
| Loan loss allowance to noncurrent loans | 132.0654% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 3.5643% | 1,654 |
| Noncurrent loans to loans | 1.5128% | 3,876 |
| Net loans and leases to total assets | 71.2319% | 1,784 |
| Net loans and leases to deposits | 86.7148% | 1,573 |
| Net loans and leases to core deposits | 107.4116% | 734 |
| Total domestic deposits to total assets | 82.1451% | 5,080 |
| Equity capital to assets | 9.8907% | 4,319 |
| Core capital (leverage) ratio | 9.8432% | 3,524 |
| Tier 1 risk-based capital ratio | 12.3060% | 5,611 |
| Total risk-based capital ratio | 13.5626% | 5,580 |
| Memoranda: |
| Average total assets | $316,386,400 | 2,029 |
| Average earning assets | $292,889,000 | 1,998 |
| Average equity | $31,025,600 | 2,129 |
| Average total loans | $241,054,400 | 1,738 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8364% | 653 |
| Cost of funding earning assets | 1.1644% | 2,537 |
| Net interest margin | 4.6720% | 809 |
| Noninterest income to average assets | 0.4274% | 4,458 |
| Noninterest expense to average assets | 3.4985% | 1,941 |
| Loan and lease loss provision to assets | 0.5718% | 1,719 |
| Net operating income to assets | 0.6725% | 3,753 |
| Return on assets (ROA) | 0.8746% | 2,989 |
| Pretax return on assets | 0.8916% | 3,803 |
| Return on Equity (ROE) | 8.9388% | 2,624 |
| Retained earnings to average equity (ytd only) | 5.1858% | 3,069 |
| Net charge-offs to loans | 0.2978% | 3,605 |
| Credit loss provision to net charge-offs | 249.0775% | 1,151 |
| Earnings coverage of net charge-offs (x) | 5.4760% | 2,772 |
| Efficiency ratio | 73.5661% | 3,265 |
| Assets per employee ($millions) | 3.5638% | 4,840 |
| Cash dividends to net income (ytd only)* | 41.9855% | 1,946 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9838% | 2,376 |
| Loan loss allowance to noncurrent loans | 150.0769% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 3.5568% | 1,767 |
| Noncurrent loans to loans | 1.3218% | 4,330 |
| Net loans and leases to total assets | 74.2869% | 1,282 |
| Net loans and leases to deposits | 90.3984% | 1,167 |
| Net loans and leases to core deposits | 113.4970% | 566 |
| Total domestic deposits to total assets | 82.1772% | 5,026 |
| Equity capital to assets | 9.8585% | 4,535 |
| Core capital (leverage) ratio | 9.7455% | 3,781 |
| Tier 1 risk-based capital ratio | 11.8340% | 6,016 |
| Total risk-based capital ratio | 13.0911% | 5,994 |
| Memoranda: |
| Average total assets | $314,793,750 | 2,041 |
| Average earning assets | $291,633,000 | 2,021 |
| Average equity | $30,801,250 | 2,148 |
| Average total loans | $242,669,750 | 1,740 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8417% | 661 |
| Cost of funding earning assets | 1.1624% | 2,832 |
| Net interest margin | 4.6793% | 766 |
| Noninterest income to average assets | 0.4364% | 4,372 |
| Noninterest expense to average assets | 3.6602% | 1,605 |
| Loan and lease loss provision to assets | 0.5776% | 1,677 |
| Net operating income to assets | 0.5266% | 4,391 |
| Return on assets (ROA) | 0.6386% | 3,991 |
| Pretax return on assets | 0.6534% | 4,563 |
| Return on Equity (ROE) | 6.5437% | 3,678 |
| Retained earnings to average equity (ytd only) | 2.6898% | 4,580 |
| Net charge-offs to loans | 0.2690% | 3,539 |
| Credit loss provision to net charge-offs | 276.9231% | 1,099 |
| Earnings coverage of net charge-offs (x) | 5.3538% | 2,633 |
| Efficiency ratio | 76.6223% | 2,916 |
| Assets per employee ($millions) | 3.4963% | 4,948 |
| Cash dividends to net income (ytd only)* | 58.8945% | 1,391 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8843% | 2,713 |
| Loan loss allowance to noncurrent loans | 149.2605% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 3.5065% | 1,878 |
| Noncurrent loans to loans | 1.2625% | 4,555 |
| Net loans and leases to total assets | 76.8121% | 944 |
| Net loans and leases to deposits | 93.4425% | 915 |
| Net loans and leases to core deposits | 118.6924% | 450 |
| Total domestic deposits to total assets | 82.2026% | 5,098 |
| Equity capital to assets | 9.8688% | 4,313 |
| Core capital (leverage) ratio | 9.6773% | 3,690 |
| Tier 1 risk-based capital ratio | 11.6527% | 6,046 |
| Total risk-based capital ratio | 12.9080% | 6,038 |
| Memoranda: |
| Average total assets | $311,622,000 | 2,066 |
| Average earning assets | $289,057,330 | 2,044 |
| Average equity | $30,411,000 | 2,160 |
| Average total loans | $241,628,000 | 1,764 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8203% | 712 |
| Cost of funding earning assets | 1.1488% | 3,167 |
| Net interest margin | 4.6715% | 748 |
| Noninterest income to average assets | 0.6759% | 2,698 |
| Noninterest expense to average assets | 3.7278% | 1,482 |
| Loan and lease loss provision to assets | 0.5805% | 1,489 |
| Net operating income to assets | 0.6930% | 3,540 |
| Return on assets (ROA) | 0.7030% | 3,575 |
| Pretax return on assets | 0.7211% | 4,218 |
| Return on Equity (ROE) | 7.2451% | 3,273 |
| Retained earnings to average equity (ytd only) | 3.4564% | 4,115 |
| Net charge-offs to loans | 0.0869% | 4,082 |
| Credit loss provision to net charge-offs | 865.3846% | 443 |
| Earnings coverage of net charge-offs (x) | 19.2500% | 1,148 |
| Efficiency ratio | 74.2740% | 3,469 |
| Assets per employee ($millions) | 3.5874% | 4,777 |
| Cash dividends to net income (ytd only)* | 52.2936% | 1,424 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8413% | 2,884 |
| Loan loss allowance to noncurrent loans | 135.7034% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 3.3050% | 2,071 |
| Noncurrent loans to loans | 1.3568% | 4,447 |
| Net loans and leases to total assets | 76.2828% | 993 |
| Net loans and leases to deposits | 92.5885% | 973 |
| Net loans and leases to core deposits | 116.2605% | 520 |
| Total domestic deposits to total assets | 82.3891% | 5,151 |
| Equity capital to assets | 9.7056% | 4,168 |
| Core capital (leverage) ratio | 9.8987% | 3,271 |
| Tier 1 risk-based capital ratio | 11.8099% | 5,850 |
| Total risk-based capital ratio | 13.0659% | 5,844 |
| Memoranda: |
| Average total assets | $310,098,500 | 2,094 |
| Average earning assets | $288,300,500 | 2,067 |
| Average equity | $30,089,500 | 2,168 |
| Average total loans | $239,269,000 | 1,800 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8417% | 1,172 |
| Cost of funding earning assets | 1.5057% | 2,603 |
| Net interest margin | 4.3360% | 1,696 |
| Noninterest income to average assets | 0.9403% | 1,705 |
| Noninterest expense to average assets | 3.7209% | 1,653 |
| Loan and lease loss provision to assets | 0.4980% | 3,165 |
| Net operating income to assets | 0.7162% | 3,167 |
| Return on assets (ROA) | 0.9124% | 2,473 |
| Pretax return on assets | 0.9313% | 3,157 |
| Return on Equity (ROE) | 9.7298% | 2,031 |
| Retained earnings to average equity (ytd only) | 5.6837% | 1,996 |
| Net charge-offs to loans | 0.4267% | 3,916 |
| Credit loss provision to net charge-offs | 154.6906% | 2,290 |
| Earnings coverage of net charge-offs (x) | 3.8184% | 3,172 |
| Efficiency ratio | 75.1687% | 3,170 |
| Assets per employee ($millions) | 3.4617% | 5,020 |
| Cash dividends to net income (ytd only)* | 41.5845% | 2,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7234% | 3,127 |
| Loan loss allowance to noncurrent loans | 150.9091% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 3.2364% | 2,185 |
| Noncurrent loans to loans | 1.1420% | 4,828 |
| Net loans and leases to total assets | 75.2770% | 1,417 |
| Net loans and leases to deposits | 92.4836% | 1,208 |
| Net loans and leases to core deposits | 114.4328% | 700 |
| Total domestic deposits to total assets | 81.3950% | 5,389 |
| Equity capital to assets | 9.7007% | 4,131 |
| Core capital (leverage) ratio | 9.7219% | 3,409 |
| Tier 1 risk-based capital ratio | 11.9812% | 5,490 |
| Total risk-based capital ratio | 13.2362% | 5,468 |
| Memoranda: |
| Average total assets | $311,270,600 | 2,083 |
| Average earning assets | $287,846,200 | 2,059 |
| Average equity | $29,188,600 | 2,231 |
| Average total loans | $234,850,400 | 1,860 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8445% | 1,269 |
| Cost of funding earning assets | 1.5845% | 2,477 |
| Net interest margin | 4.2600% | 1,991 |
| Noninterest income to average assets | 0.7481% | 2,518 |
| Noninterest expense to average assets | 3.4355% | 2,193 |
| Loan and lease loss provision to assets | 0.4913% | 3,012 |
| Net operating income to assets | 0.7436% | 3,229 |
| Return on assets (ROA) | 0.9190% | 2,680 |
| Pretax return on assets | 0.9357% | 3,429 |
| Return on Equity (ROE) | 9.8846% | 2,168 |
| Retained earnings to average equity (ytd only) | 6.9712% | 1,865 |
| Net charge-offs to loans | 0.3371% | 3,959 |
| Credit loss provision to net charge-offs | 193.9292% | 1,840 |
| Earnings coverage of net charge-offs (x) | 4.9258% | 2,897 |
| Efficiency ratio | 73.3534% | 3,451 |
| Assets per employee ($millions) | 3.7239% | 4,451 |
| Cash dividends to net income (ytd only)* | 29.4746% | 2,574 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7084% | 3,126 |
| Loan loss allowance to noncurrent loans | 421.0744% | 707 |
| Noncurrent assets plus other real estate owned to assets | 3.0111% | 2,409 |
| Noncurrent loans to loans | 0.4057% | 6,389 |
| Net loans and leases to total assets | 75.8705% | 1,433 |
| Net loans and leases to deposits | 93.6159% | 1,246 |
| Net loans and leases to core deposits | 115.1769% | 783 |
| Total domestic deposits to total assets | 81.0445% | 5,348 |
| Equity capital to assets | 10.0315% | 4,121 |
| Core capital (leverage) ratio | 9.6759% | 3,656 |
| Tier 1 risk-based capital ratio | 11.7424% | 5,696 |
| Total risk-based capital ratio | 12.9966% | 5,660 |
| Memoranda: |
| Average total assets | $312,065,750 | 2,111 |
| Average earning assets | $288,284,500 | 2,089 |
| Average equity | $29,014,000 | 2,269 |
| Average total loans | $234,566,000 | 1,887 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8236% | 1,366 |
| Cost of funding earning assets | 1.6859% | 2,194 |
| Net interest margin | 4.1377% | 2,391 |
| Noninterest income to average assets | 0.7289% | 2,527 |
| Noninterest expense to average assets | 3.4064% | 2,248 |
| Loan and lease loss provision to assets | 0.4472% | 3,086 |
| Net operating income to assets | 0.6897% | 3,447 |
| Return on assets (ROA) | 0.7909% | 3,158 |
| Pretax return on assets | 0.8018% | 3,873 |
| Return on Equity (ROE) | 8.7337% | 2,568 |
| Retained earnings to average equity (ytd only) | 7.2099% | 1,753 |
| Net charge-offs to loans | 0.4296% | 3,276 |
| Credit loss provision to net charge-offs | 139.7206% | 2,873 |
| Earnings coverage of net charge-offs (x) | 3.5828% | 3,258 |
| Efficiency ratio | 74.8141% | 3,300 |
| Assets per employee ($millions) | 3.5668% | 4,765 |
| Cash dividends to net income (ytd only)* | 17.4475% | 2,965 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5866% | 3,508 |
| Loan loss allowance to noncurrent loans | 183.0625% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 3.1952% | 2,219 |
| Noncurrent loans to loans | 0.8667% | 5,535 |
| Net loans and leases to total assets | 73.4720% | 2,040 |
| Net loans and leases to deposits | 92.7651% | 1,428 |
| Net loans and leases to core deposits | 112.2521% | 1,023 |
| Total domestic deposits to total assets | 79.2022% | 5,979 |
| Equity capital to assets | 9.6492% | 4,470 |
| Core capital (leverage) ratio | 9.3818% | 3,989 |
| Tier 1 risk-based capital ratio | 11.7838% | 5,510 |
| Total risk-based capital ratio | 13.0375% | 5,466 |
| Memoranda: |
| Average total assets | $313,058,670 | 2,128 |
| Average earning assets | $289,338,330 | 2,095 |
| Average equity | $28,350,000 | 2,312 |
| Average total loans | $233,227,330 | 1,919 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8802% | 1,249 |
| Cost of funding earning assets | 1.7690% | 2,016 |
| Net interest margin | 4.1111% | 2,395 |
| Noninterest income to average assets | 0.6474% | 2,951 |
| Noninterest expense to average assets | 3.4032% | 2,226 |
| Loan and lease loss provision to assets | 0.4542% | 2,695 |
| Net operating income to assets | 0.5751% | 4,006 |
| Return on assets (ROA) | 0.6064% | 4,016 |
| Pretax return on assets | 0.6218% | 4,522 |
| Return on Equity (ROE) | 6.9244% | 3,383 |
| Retained earnings to average equity (ytd only) | 6.9244% | 2,168 |
| Net charge-offs to loans | 0.5759% | 2,363 |
| Credit loss provision to net charge-offs | 105.9701% | 3,241 |
| Earnings coverage of net charge-offs (x) | 2.4358% | 3,320 |
| Efficiency ratio | 76.5247% | 3,127 |
| Assets per employee ($millions) | 3.6518% | 4,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5255% | 3,778 |
| Loan loss allowance to noncurrent loans | 156.6622% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 3.1555% | 2,276 |
| Noncurrent loans to loans | 0.9737% | 5,384 |
| Net loans and leases to total assets | 72.7435% | 2,275 |
| Net loans and leases to deposits | 90.8496% | 1,776 |
| Net loans and leases to core deposits | 107.8840% | 1,426 |
| Total domestic deposits to total assets | 80.0703% | 5,758 |
| Equity capital to assets | 9.1357% | 5,081 |
| Core capital (leverage) ratio | 9.1504% | 4,301 |
| Tier 1 risk-based capital ratio | 11.4120% | 5,750 |
| Total risk-based capital ratio | 12.6460% | 5,743 |
| Memoranda: |
| Average total assets | $312,648,000 | 2,178 |
| Average earning assets | $288,970,500 | 2,153 |
| Average equity | $27,381,500 | 2,412 |
| Average total loans | $232,675,000 | 1,977 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8263% | 2,543 |
| Cost of funding earning assets | 2.2910% | 1,695 |
| Net interest margin | 3.5353% | 4,798 |
| Noninterest income to average assets | 0.7176% | 2,861 |
| Noninterest expense to average assets | 3.4715% | 2,450 |
| Loan and lease loss provision to assets | 0.6231% | 3,310 |
| Net operating income to assets | -0.0657% | 5,613 |
| Return on assets (ROA) | 0.3858% | 4,287 |
| Pretax return on assets | 0.3943% | 4,514 |
| Return on Equity (ROE) | 4.7854% | 3,761 |
| Retained earnings to average equity (ytd only) | 3.2112% | 2,910 |
| Net charge-offs to loans | 0.7238% | 3,023 |
| Credit loss provision to net charge-offs | 116.4197% | 4,659 |
| Earnings coverage of net charge-offs (x) | 1.0403% | 5,071 |
| Efficiency ratio | 86.1789% | 2,092 |
| Assets per employee ($millions) | 3.6617% | 4,618 |
| Cash dividends to net income (ytd only)* | 32.8947% | 3,210 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5080% | 3,679 |
| Loan loss allowance to noncurrent loans | 90.0922% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 3.2827% | 2,090 |
| Noncurrent loans to loans | 1.6738% | 4,141 |
| Net loans and leases to total assets | 73.8454% | 2,304 |
| Net loans and leases to deposits | 91.9124% | 1,909 |
| Net loans and leases to core deposits | 123.9761% | 1,636 |
| Total domestic deposits to total assets | 80.3433% | 5,568 |
| Equity capital to assets | 8.3768% | 6,088 |
| Core capital (leverage) ratio | 8.2828% | 5,651 |
| Tier 1 risk-based capital ratio | 10.5373% | 6,355 |
| Total risk-based capital ratio | 11.7894% | 6,335 |
| Memoranda: |
| Average total assets | $315,219,600 | 2,132 |
| Average earning assets | $295,196,800 | 2,103 |
| Average equity | $25,410,800 | 2,569 |
| Average total loans | $233,084,800 | 2,009 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7690% | 3,023 |
| Cost of funding earning assets | 2.3718% | 1,736 |
| Net interest margin | 3.3972% | 5,279 |
| Noninterest income to average assets | 0.7294% | 2,827 |
| Noninterest expense to average assets | 3.2285% | 3,199 |
| Loan and lease loss provision to assets | 0.5287% | 3,269 |
| Net operating income to assets | 0.1638% | 5,274 |
| Return on assets (ROA) | 0.5595% | 3,841 |
| Pretax return on assets | 0.5654% | 4,316 |
| Return on Equity (ROE) | 7.0083% | 3,065 |
| Retained earnings to average equity (ytd only) | 5.6299% | 2,141 |
| Net charge-offs to loans | 0.5218% | 3,127 |
| Credit loss provision to net charge-offs | 137.5000% | 3,600 |
| Earnings coverage of net charge-offs (x) | 1.8059% | 4,447 |
| Efficiency ratio | 82.2979% | 2,543 |
| Assets per employee ($millions) | 3.6855% | 4,461 |
| Cash dividends to net income (ytd only)* | 19.6683% | 3,252 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5217% | 3,315 |
| Loan loss allowance to noncurrent loans | 48.8749% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 3.4734% | 1,921 |
| Noncurrent loans to loans | 3.1135% | 2,423 |
| Net loans and leases to total assets | 73.1765% | 2,744 |
| Net loans and leases to deposits | 95.4575% | 1,651 |
| Net loans and leases to core deposits | 130.2932% | 1,419 |
| Total domestic deposits to total assets | 76.6587% | 6,436 |
| Equity capital to assets | 8.7250% | 5,918 |
| Core capital (leverage) ratio | 8.2495% | 5,921 |
| Tier 1 risk-based capital ratio | 10.4907% | 6,481 |
| Total risk-based capital ratio | 11.7429% | 6,431 |
| Memoranda: |
| Average total assets | $316,214,000 | 2,141 |
| Average earning assets | $297,257,000 | 2,109 |
| Average equity | $25,245,500 | 2,609 |
| Average total loans | $233,016,750 | 2,035 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7629% | 3,232 |
| Cost of funding earning assets | 2.4523% | 1,770 |
| Net interest margin | 3.3106% | 5,517 |
| Noninterest income to average assets | 0.5323% | 4,164 |
| Noninterest expense to average assets | 3.2155% | 3,291 |
| Loan and lease loss provision to assets | 0.3861% | 3,601 |
| Net operating income to assets | 0.0450% | 5,719 |
| Return on assets (ROA) | 0.3678% | 4,726 |
| Pretax return on assets | 0.3722% | 5,012 |
| Return on Equity (ROE) | 4.7540% | 4,182 |
| Retained earnings to average equity (ytd only) | 4.0667% | 3,024 |
| Net charge-offs to loans | 0.4531% | 3,012 |
| Credit loss provision to net charge-offs | 115.9696% | 3,994 |
| Earnings coverage of net charge-offs (x) | 1.2985% | 4,550 |
| Efficiency ratio | 88.1485% | 2,000 |
| Assets per employee ($millions) | 3.7529% | 4,211 |
| Cash dividends to net income (ytd only)* | 14.4578% | 3,300 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3984% | 3,731 |
| Loan loss allowance to noncurrent loans | 50.1281% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 3.6523% | 1,689 |
| Noncurrent loans to loans | 2.7897% | 2,582 |
| Net loans and leases to total assets | 72.6593% | 3,048 |
| Net loans and leases to deposits | 94.4778% | 2,018 |
| Net loans and leases to core deposits | 131.7102% | 1,447 |
| Total domestic deposits to total assets | 76.9062% | 6,349 |
| Equity capital to assets | 7.5618% | 7,213 |
| Core capital (leverage) ratio | 7.4191% | 7,113 |
| Tier 1 risk-based capital ratio | 9.1724% | 7,605 |
| Total risk-based capital ratio | 10.4231% | 7,613 |
| Memoranda: |
| Average total assets | $315,967,670 | 2,167 |
| Average earning assets | $297,349,330 | 2,135 |
| Average equity | $24,442,670 | 2,701 |
| Average total loans | $232,182,670 | 2,066 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8136% | 3,231 |
| Cost of funding earning assets | 2.5387% | 1,772 |
| Net interest margin | 3.2749% | 5,595 |
| Noninterest income to average assets | 0.4863% | 4,448 |
| Noninterest expense to average assets | 2.8972% | 4,165 |
| Loan and lease loss provision to assets | 0.2495% | 3,972 |
| Net operating income to assets | 0.4236% | 4,768 |
| Return on assets (ROA) | 0.4351% | 4,895 |
| Pretax return on assets | 0.4364% | 5,287 |
| Return on Equity (ROE) | 5.5599% | 4,227 |
| Retained earnings to average equity (ytd only) | 4.9058% | 3,186 |
| Net charge-offs to loans | 0.0523% | 4,738 |
| Credit loss provision to net charge-offs | 650.0000% | 888 |
| Earnings coverage of net charge-offs (x) | 17.5667% | 1,502 |
| Efficiency ratio | 81.1179% | 2,661 |
| Assets per employee ($millions) | 3.7287% | 4,274 |
| Cash dividends to net income (ytd only)* | 11.7647% | 2,685 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4762% | 3,111 |
| Loan loss allowance to noncurrent loans | 65.1559% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 3.5196% | 1,525 |
| Noncurrent loans to loans | 2.2656% | 2,905 |
| Net loans and leases to total assets | 71.7479% | 3,300 |
| Net loans and leases to deposits | 93.1336% | 2,411 |
| Net loans and leases to core deposits | 127.4221% | 1,831 |
| Total domestic deposits to total assets | 77.0376% | 6,269 |
| Equity capital to assets | 7.8413% | 7,016 |
| Core capital (leverage) ratio | 7.5076% | 7,157 |
| Tier 1 risk-based capital ratio | 9.2650% | 7,615 |
| Total risk-based capital ratio | 10.5160% | 7,592 |
| Memoranda: |
| Average total assets | $312,575,000 | 2,200 |
| Average earning assets | $294,480,500 | 2,157 |
| Average equity | $24,461,000 | 2,711 |
| Average total loans | $229,356,000 | 2,101 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2274% | 4,371 |
| Cost of funding earning assets | 2.8099% | 2,663 |
| Net interest margin | 3.4175% | 5,589 |
| Noninterest income to average assets | 0.5518% | 4,217 |
| Noninterest expense to average assets | 3.0298% | 3,973 |
| Loan and lease loss provision to assets | 0.5817% | 2,496 |
| Net operating income to assets | 0.1592% | 5,960 |
| Return on assets (ROA) | 0.1865% | 5,713 |
| Pretax return on assets | 0.1923% | 5,751 |
| Return on Equity (ROE) | 2.3360% | 5,485 |
| Retained earnings to average equity (ytd only) | 0.5734% | 4,896 |
| Net charge-offs to loans | 0.3997% | 2,819 |
| Credit loss provision to net charge-offs | 198.9559% | 2,456 |
| Earnings coverage of net charge-offs (x) | 2.5510% | 4,801 |
| Efficiency ratio | 80.2461% | 2,559 |
| Assets per employee ($millions) | 3.5427% | 4,563 |
| Cash dividends to net income (ytd only)* | 75.4545% | 1,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4225% | 3,072 |
| Loan loss allowance to noncurrent loans | 84.0332% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 1.7202% | 2,828 |
| Noncurrent loans to loans | 1.6928% | 3,231 |
| Net loans and leases to total assets | 72.8935% | 3,385 |
| Net loans and leases to deposits | 93.1347% | 2,938 |
| Net loans and leases to core deposits | 126.6006% | 2,121 |
| Total domestic deposits to total assets | 78.2667% | 5,626 |
| Equity capital to assets | 7.8095% | 7,083 |
| Core capital (leverage) ratio | 7.5735% | 7,114 |
| Tier 1 risk-based capital ratio | 9.4055% | 7,408 |
| Total risk-based capital ratio | 10.6562% | 7,327 |
| Memoranda: |
| Average total assets | $294,838,600 | 2,228 |
| Average earning assets | $278,126,000 | 2,184 |
| Average equity | $23,544,800 | 2,782 |
| Average total loans | $215,685,000 | 2,169 |
