Home > Adams Bank & Trust > Performance and Condition Ratios
Adams Bank & Trust, 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 | 6.7081% | 288 |
| Cost of funding earning assets | 2.1862% | 659 |
| Net interest margin | 4.5219% | 595 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 3.0646% | 1,022 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 1.2838% | 1,462 |
| Return on assets (ROA) | 1.2677% | 1,470 |
| Pretax return on assets | 1.5902% | 1,253 |
| Return on Equity (ROE) | 12.3000% | 1,892 |
| Retained earnings to average equity (ytd only) | 10.6785% | 860 |
| Net charge-offs to loans | 0.0186% | 1,986 |
| Credit loss provision to net charge-offs | 1,055.9211% | 394 |
| Earnings coverage of net charge-offs (x) | 155.5000% | 694 |
| Efficiency ratio | 63.5224% | 2,667 |
| Assets per employee ($millions) | 5.8976% | 2,901 |
| Cash dividends to net income (ytd only)* | 13.2151% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4218% | 1,305 |
| Loan loss allowance to noncurrent loans | 279.8818% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 1,708 |
| Noncurrent loans to loans | 0.5080% | 1,514 |
| Net loans and leases to total assets | 59.5600% | 2,886 |
| Net loans and leases to deposits | 72.4211% | 2,730 |
| Net loans and leases to core deposits | 83.9609% | 2,450 |
| Total domestic deposits to total assets | 82.2500% | 3,077 |
| Equity capital to assets | 10.7270% | 1,618 |
| Core capital (leverage) ratio | 11.0000% | 1,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,343,071,400 | 779 |
| Average earning assets | $1,278,498,600 | 751 |
| Average equity | $138,371,000 | 717 |
| Average total loans | $816,779,200 | 854 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6091% | 277 |
| Cost of funding earning assets | 2.0276% | 671 |
| Net interest margin | 4.5815% | 546 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 3.1136% | 914 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.3108% | 1,527 |
| Return on assets (ROA) | 1.2890% | 1,553 |
| Pretax return on assets | 1.6119% | 1,327 |
| Return on Equity (ROE) | 12.6500% | 1,966 |
| Retained earnings to average equity (ytd only) | 10.4231% | 1,289 |
| Net charge-offs to loans | 0.0376% | 1,351 |
| Credit loss provision to net charge-offs | 206.6079% | 1,098 |
| Earnings coverage of net charge-offs (x) | 77.7930% | 1,061 |
| Efficiency ratio | 63.5874% | 2,549 |
| Assets per employee ($millions) | 6.0086% | 2,754 |
| Cash dividends to net income (ytd only)* | 17.6236% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3067% | 1,841 |
| Loan loss allowance to noncurrent loans | 724.1357% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 2,849 |
| Noncurrent loans to loans | 0.1804% | 2,640 |
| Net loans and leases to total assets | 59.3800% | 2,901 |
| Net loans and leases to deposits | 72.3691% | 2,690 |
| Net loans and leases to core deposits | 85.2882% | 2,233 |
| Total domestic deposits to total assets | 82.0500% | 3,199 |
| Equity capital to assets | 10.5849% | 1,519 |
| Core capital (leverage) ratio | 11.1122% | 1,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,320,559,750 | 793 |
| Average earning assets | $1,256,214,500 | 764 |
| Average equity | $134,531,000 | 731 |
| Average total loans | $804,493,500 | 862 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4976% | 262 |
| Cost of funding earning assets | 1.8028% | 734 |
| Net interest margin | 4.6948% | 461 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 3.1105% | 898 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.4191% | 1,283 |
| Return on assets (ROA) | 1.4191% | 1,266 |
| Pretax return on assets | 1.7684% | 1,077 |
| Return on Equity (ROE) | 14.1300% | 1,648 |
| Retained earnings to average equity (ytd only) | 10.6581% | 1,256 |
| Net charge-offs to loans | 0.0322% | 1,249 |
| Credit loss provision to net charge-offs | 164.5669% | 1,145 |
| Earnings coverage of net charge-offs (x) | 96.4252% | 961 |
| Efficiency ratio | 62.0984% | 2,704 |
| Assets per employee ($millions) | 5.5519% | 3,104 |
| Cash dividends to net income (ytd only)* | 24.5794% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 1,692 |
| Loan loss allowance to noncurrent loans | 719.8026% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 2,724 |
| Noncurrent loans to loans | 0.1882% | 2,528 |
| Net loans and leases to total assets | 60.5500% | 2,722 |
| Net loans and leases to deposits | 74.5261% | 2,444 |
| Net loans and leases to core deposits | 85.3212% | 2,124 |
| Total domestic deposits to total assets | 81.2500% | 3,387 |
| Equity capital to assets | 10.8391% | 1,450 |
| Core capital (leverage) ratio | 11.1362% | 1,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,290,070,333 | 800 |
| Average earning assets | $1,226,425,667 | 771 |
| Average equity | $129,554,000 | 757 |
| Average total loans | $789,467,000 | 858 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4165% | 169 |
| Cost of funding earning assets | 0.5701% | 1,017 |
| Net interest margin | 4.8463% | 170 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 3.0464% | 901 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.6164% | 662 |
| Return on assets (ROA) | 1.6164% | 635 |
| Pretax return on assets | 2.0686% | 405 |
| Return on Equity (ROE) | 17.3800% | 799 |
| Retained earnings to average equity (ytd only) | 13.0537% | 505 |
| Net charge-offs to loans | 0.0334% | 1,406 |
| Credit loss provision to net charge-offs | 357.8740% | 826 |
| Earnings coverage of net charge-offs (x) | 104.6969% | 958 |
| Efficiency ratio | 58.7174% | 3,229 |
| Assets per employee ($millions) | 5.6902% | 3,039 |
| Cash dividends to net income (ytd only)* | 24.9140% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7410% | 748 |
| Loan loss allowance to noncurrent loans | 4,174.6177% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 3,577 |
| Noncurrent loans to loans | 0.0417% | 3,469 |
| Net loans and leases to total assets | 59.9100% | 2,636 |
| Net loans and leases to deposits | 72.0293% | 2,405 |
| Net loans and leases to core deposits | 75.7045% | 2,444 |
| Total domestic deposits to total assets | 83.1800% | 3,379 |
| Equity capital to assets | 9.5596% | 1,965 |
| Core capital (leverage) ratio | 9.7941% | 2,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,241,589,200 | 831 |
| Average earning assets | $1,181,640,200 | 802 |
| Average equity | $115,438,800 | 841 |
| Average total loans | $760,584,200 | 849 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1586% | 171 |
| Cost of funding earning assets | 0.4077% | 1,235 |
| Net interest margin | 4.7509% | 156 |
| Noninterest income to average assets | 0.6100% | 1,677 |
| Noninterest expense to average assets | 3.0071% | 898 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.6098% | 646 |
| Return on assets (ROA) | 1.6098% | 625 |
| Pretax return on assets | 2.0459% | 424 |
| Return on Equity (ROE) | 17.4400% | 719 |
| Retained earnings to average equity (ytd only) | 13.0401% | 607 |
| Net charge-offs to loans | 0.0440% | 1,049 |
| Credit loss provision to net charge-offs | 314.8594% | 791 |
| Earnings coverage of net charge-offs (x) | 78.9759% | 1,052 |
| Efficiency ratio | 58.5275% | 3,321 |
| Assets per employee ($millions) | 5.5796% | 3,145 |
| Cash dividends to net income (ytd only)* | 25.2406% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7508% | 803 |
| Loan loss allowance to noncurrent loans | 860.7506% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 2,742 |
| Noncurrent loans to loans | 0.2034% | 2,587 |
| Net loans and leases to total assets | 59.6900% | 2,533 |
| Net loans and leases to deposits | 70.3983% | 2,329 |
| Net loans and leases to core deposits | 73.8486% | 2,362 |
| Total domestic deposits to total assets | 84.7900% | 3,336 |
| Equity capital to assets | 9.3634% | 1,973 |
| Core capital (leverage) ratio | 9.4876% | 3,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,230,491,750 | 844 |
| Average earning assets | $1,172,921,750 | 812 |
| Average equity | $113,565,000 | 873 |
| Average total loans | $754,703,750 | 852 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8990% | 194 |
| Cost of funding earning assets | 0.3126% | 1,598 |
| Net interest margin | 4.5864% | 170 |
| Noninterest income to average assets | 0.6556% | 1,519 |
| Noninterest expense to average assets | 2.9931% | 847 |
| Loan and lease loss provision to assets | 0.0837% | 1,186 |
| Net operating income to assets | 1.5395% | 634 |
| Return on assets (ROA) | 1.5395% | 617 |
| Pretax return on assets | 1.9561% | 417 |
| Return on Equity (ROE) | 16.7659% | 592 |
| Retained earnings to average equity (ytd only) | 12.2902% | 563 |
| Net charge-offs to loans | 0.0427% | 959 |
| Credit loss provision to net charge-offs | 318.1250% | 780 |
| Earnings coverage of net charge-offs (x) | 77.5500% | 948 |
| Efficiency ratio | 59.4708% | 3,370 |
| Assets per employee ($millions) | 5.6705% | 3,063 |
| Cash dividends to net income (ytd only)* | 26.6951% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7423% | 885 |
| Loan loss allowance to noncurrent loans | 1,115.8027% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 3,053 |
| Noncurrent loans to loans | 0.1562% | 2,910 |
| Net loans and leases to total assets | 60.0536% | 2,322 |
| Net loans and leases to deposits | 70.4055% | 2,158 |
| Net loans and leases to core deposits | 73.8262% | 2,188 |
| Total domestic deposits to total assets | 85.2968% | 3,414 |
| Equity capital to assets | 9.1766% | 2,256 |
| Core capital (leverage) ratio | 9.4524% | 2,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,216,606,000 | 848 |
| Average earning assets | $1,161,124,000 | 820 |
| Average equity | $111,714,667 | 893 |
| Average total loans | $748,655,000 | 842 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7138% | 224 |
| Cost of funding earning assets | 0.2801% | 1,821 |
| Net interest margin | 4.4337% | 187 |
| Noninterest income to average assets | 0.6336% | 1,557 |
| Noninterest expense to average assets | 2.9638% | 864 |
| Loan and lease loss provision to assets | 0.0778% | 1,058 |
| Net operating income to assets | 1.4754% | 669 |
| Return on assets (ROA) | 1.4754% | 662 |
| Pretax return on assets | 1.8302% | 512 |
| Return on Equity (ROE) | 16.0622% | 524 |
| Retained earnings to average equity (ytd only) | 11.5197% | 674 |
| Net charge-offs to loans | 0.0200% | 1,134 |
| Credit loss provision to net charge-offs | 629.7297% | 454 |
| Earnings coverage of net charge-offs (x) | 154.4865% | 525 |
| Efficiency ratio | 60.8359% | 3,391 |
| Assets per employee ($millions) | 5.7312% | 3,082 |
| Cash dividends to net income (ytd only)* | 28.2805% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8008% | 879 |
| Loan loss allowance to noncurrent loans | 1,971.8984% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.1328% | 2,863 |
| Noncurrent loans to loans | 0.0913% | 3,383 |
| Net loans and leases to total assets | 59.2055% | 2,163 |
| Net loans and leases to deposits | 67.0818% | 2,236 |
| Net loans and leases to core deposits | 70.5146% | 2,246 |
| Total domestic deposits to total assets | 88.2586% | 2,402 |
| Equity capital to assets | 9.1818% | 2,540 |
| Core capital (leverage) ratio | 9.3887% | 2,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,198,315,500 | 859 |
| Average earning assets | $1,145,495,500 | 836 |
| Average equity | $110,072,000 | 929 |
| Average total loans | $740,018,000 | 843 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6655% | 447 |
| Cost of funding earning assets | 0.3419% | 2,010 |
| Net interest margin | 4.3236% | 381 |
| Noninterest income to average assets | 0.8467% | 1,329 |
| Noninterest expense to average assets | 3.0821% | 867 |
| Loan and lease loss provision to assets | 0.0305% | 2,447 |
| Net operating income to assets | 1.4953% | 1,028 |
| Return on assets (ROA) | 1.3918% | 1,357 |
| Pretax return on assets | 1.7306% | 1,067 |
| Return on Equity (ROE) | 14.9721% | 955 |
| Retained earnings to average equity (ytd only) | 9.1467% | 1,155 |
| Net charge-offs to loans | -0.0122% | 3,808 |
| Credit loss provision to net charge-offs | -371.4286% | 3,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9825% | 2,872 |
| Assets per employee ($millions) | 5.3710% | 3,391 |
| Cash dividends to net income (ytd only)* | 38.9080% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7386% | 963 |
| Loan loss allowance to noncurrent loans | 823.5741% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.1335% | 3,005 |
| Noncurrent loans to loans | 0.2111% | 2,902 |
| Net loans and leases to total assets | 62.1600% | 1,917 |
| Net loans and leases to deposits | 70.5815% | 2,065 |
| Net loans and leases to core deposits | 74.4438% | 2,043 |
| Total domestic deposits to total assets | 88.0684% | 2,010 |
| Equity capital to assets | 9.1895% | 3,433 |
| Core capital (leverage) ratio | 9.3797% | 2,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,107,953,600 | 884 |
| Average earning assets | $1,057,274,800 | 861 |
| Average equity | $102,998,400 | 990 |
| Average total loans | $748,932,000 | 832 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4331% | 769 |
| Cost of funding earning assets | 0.3585% | 2,038 |
| Net interest margin | 4.0745% | 684 |
| Noninterest income to average assets | 0.8471% | 1,390 |
| Noninterest expense to average assets | 2.9972% | 979 |
| Loan and lease loss provision to assets | 0.0414% | 2,168 |
| Net operating income to assets | 1.3786% | 1,607 |
| Return on assets (ROA) | 1.3000% | 1,888 |
| Pretax return on assets | 1.5970% | 1,713 |
| Return on Equity (ROE) | 13.9404% | 1,408 |
| Retained earnings to average equity (ytd only) | 7.7070% | 2,145 |
| Net charge-offs to loans | -0.0173% | 3,908 |
| Credit loss provision to net charge-offs | -348.4536% | 3,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3310% | 2,486 |
| Assets per employee ($millions) | 5.4053% | 3,305 |
| Cash dividends to net income (ytd only)* | 44.7143% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7174% | 1,079 |
| Loan loss allowance to noncurrent loans | 837.7577% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.1380% | 3,194 |
| Noncurrent loans to loans | 0.2050% | 3,134 |
| Net loans and leases to total assets | 66.1824% | 1,522 |
| Net loans and leases to deposits | 75.2677% | 1,740 |
| Net loans and leases to core deposits | 79.5793% | 1,772 |
| Total domestic deposits to total assets | 87.9294% | 1,887 |
| Equity capital to assets | 9.3446% | 3,511 |
| Core capital (leverage) ratio | 9.3750% | 3,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,089,536,250 | 903 |
| Average earning assets | $1,038,979,500 | 882 |
| Average equity | $101,601,750 | 1,020 |
| Average total loans | $749,291,750 | 852 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2577% | 1,076 |
| Cost of funding earning assets | 0.3752% | 2,090 |
| Net interest margin | 3.8825% | 1,004 |
| Noninterest income to average assets | 0.8872% | 1,305 |
| Noninterest expense to average assets | 2.9957% | 991 |
| Loan and lease loss provision to assets | 0.0553% | 1,926 |
| Net operating income to assets | 1.2737% | 1,937 |
| Return on assets (ROA) | 1.2036% | 2,255 |
| Pretax return on assets | 1.4531% | 2,160 |
| Return on Equity (ROE) | 12.9160% | 1,750 |
| Retained earnings to average equity (ytd only) | 5.9473% | 2,824 |
| Net charge-offs to loans | -0.0024% | 3,232 |
| Credit loss provision to net charge-offs | -3,311.1111% | 3,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2865% | 2,258 |
| Assets per employee ($millions) | 5.2854% | 3,369 |
| Cash dividends to net income (ytd only)* | 53.9541% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7028% | 1,048 |
| Loan loss allowance to noncurrent loans | 825.2564% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 3,272 |
| Noncurrent loans to loans | 0.2063% | 3,219 |
| Net loans and leases to total assets | 67.2766% | 1,544 |
| Net loans and leases to deposits | 76.4686% | 1,770 |
| Net loans and leases to core deposits | 81.0612% | 1,793 |
| Total domestic deposits to total assets | 87.9794% | 1,838 |
| Equity capital to assets | 9.2473% | 3,563 |
| Core capital (leverage) ratio | 9.2563% | 3,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,077,947,667 | 908 |
| Average earning assets | $1,027,643,000 | 884 |
| Average equity | $100,448,667 | 1,023 |
| Average total loans | $746,691,667 | 853 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2671% | 1,096 |
| Cost of funding earning assets | 0.3975% | 2,118 |
| Net interest margin | 3.8697% | 1,033 |
| Noninterest income to average assets | 0.8927% | 1,348 |
| Noninterest expense to average assets | 2.9333% | 1,105 |
| Loan and lease loss provision to assets | 0.0875% | 1,505 |
| Net operating income to assets | 1.3238% | 1,747 |
| Return on assets (ROA) | 1.1178% | 2,495 |
| Pretax return on assets | 1.3132% | 2,529 |
| Return on Equity (ROE) | 11.9481% | 2,040 |
| Retained earnings to average equity (ytd only) | 2.9117% | 3,810 |
| Net charge-offs to loans | 0.0027% | 1,828 |
| Credit loss provision to net charge-offs | 4,660.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 874.6000% | 110 |
| Efficiency ratio | 64.0969% | 2,452 |
| Assets per employee ($millions) | 5.3015% | 3,333 |
| Cash dividends to net income (ytd only)* | 75.6303% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7245% | 991 |
| Loan loss allowance to noncurrent loans | 724.1087% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.1654% | 3,336 |
| Noncurrent loans to loans | 0.2382% | 3,251 |
| Net loans and leases to total assets | 66.4444% | 1,739 |
| Net loans and leases to deposits | 75.3632% | 1,977 |
| Net loans and leases to core deposits | 80.0896% | 1,993 |
| Total domestic deposits to total assets | 88.1655% | 1,756 |
| Equity capital to assets | 9.1087% | 3,581 |
| Core capital (leverage) ratio | 9.4941% | 3,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,064,593,000 | 910 |
| Average earning assets | $1,013,417,500 | 883 |
| Average equity | $99,597,500 | 1,019 |
| Average total loans | $742,012,500 | 857 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8258% | 702 |
| Cost of funding earning assets | 0.6098% | 2,241 |
| Net interest margin | 4.2160% | 611 |
| Noninterest income to average assets | 0.9080% | 1,245 |
| Noninterest expense to average assets | 3.2523% | 967 |
| Loan and lease loss provision to assets | 0.1284% | 2,757 |
| Net operating income to assets | 1.3327% | 1,169 |
| Return on assets (ROA) | 1.3344% | 1,256 |
| Pretax return on assets | 1.5354% | 1,233 |
| Return on Equity (ROE) | 12.9570% | 1,051 |
| Retained earnings to average equity (ytd only) | 7.7278% | 1,137 |
| Net charge-offs to loans | 0.0182% | 2,719 |
| Credit loss provision to net charge-offs | 870.0730% | 852 |
| Earnings coverage of net charge-offs (x) | 112.6277% | 737 |
| Efficiency ratio | 66.1816% | 2,500 |
| Assets per employee ($millions) | 4.9646% | 3,426 |
| Cash dividends to net income (ytd only)* | 40.3584% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6995% | 1,036 |
| Loan loss allowance to noncurrent loans | 730.2150% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 3,438 |
| Noncurrent loans to loans | 0.2327% | 3,363 |
| Net loans and leases to total assets | 70.3928% | 1,508 |
| Net loans and leases to deposits | 80.5562% | 1,809 |
| Net loans and leases to core deposits | 84.0974% | 2,028 |
| Total domestic deposits to total assets | 87.3835% | 1,750 |
| Equity capital to assets | 9.6934% | 3,415 |
| Core capital (leverage) ratio | 9.8993% | 2,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $928,458,200 | 943 |
| Average earning assets | $882,253,600 | 920 |
| Average equity | $95,616,000 | 997 |
| Average total loans | $754,259,600 | 822 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9655% | 641 |
| Cost of funding earning assets | 0.6548% | 2,300 |
| Net interest margin | 4.3107% | 574 |
| Noninterest income to average assets | 0.8408% | 1,376 |
| Noninterest expense to average assets | 3.2248% | 1,031 |
| Loan and lease loss provision to assets | 0.1517% | 2,496 |
| Net operating income to assets | 1.2723% | 1,418 |
| Return on assets (ROA) | 1.2723% | 1,529 |
| Pretax return on assets | 1.5641% | 1,288 |
| Return on Equity (ROE) | 12.1498% | 1,329 |
| Retained earnings to average equity (ytd only) | 5.4477% | 2,350 |
| Net charge-offs to loans | 0.0459% | 1,961 |
| Credit loss provision to net charge-offs | 393.4866% | 1,478 |
| Earnings coverage of net charge-offs (x) | 44.4943% | 1,278 |
| Efficiency ratio | 65.2711% | 2,547 |
| Assets per employee ($millions) | 4.9011% | 3,376 |
| Cash dividends to net income (ytd only)* | 55.1620% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5792% | 1,164 |
| Loan loss allowance to noncurrent loans | 402.1618% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.3130% | 2,906 |
| Noncurrent loans to loans | 0.3927% | 2,887 |
| Net loans and leases to total assets | 78.4537% | 778 |
| Net loans and leases to deposits | 90.1794% | 1,242 |
| Net loans and leases to core deposits | 94.1672% | 1,627 |
| Total domestic deposits to total assets | 86.9974% | 1,674 |
| Equity capital to assets | 9.9012% | 3,328 |
| Core capital (leverage) ratio | 10.0275% | 2,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $902,414,000 | 951 |
| Average earning assets | $858,249,000 | 926 |
| Average equity | $94,495,750 | 998 |
| Average total loans | $757,957,500 | 810 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0671% | 731 |
| Cost of funding earning assets | 0.7117% | 2,325 |
| Net interest margin | 4.3555% | 671 |
| Noninterest income to average assets | 0.7940% | 1,453 |
| Noninterest expense to average assets | 3.2413% | 1,088 |
| Loan and lease loss provision to assets | 0.1540% | 2,462 |
| Net operating income to assets | 1.2598% | 1,461 |
| Return on assets (ROA) | 1.2598% | 1,583 |
| Pretax return on assets | 1.5331% | 1,379 |
| Return on Equity (ROE) | 11.7926% | 1,389 |
| Retained earnings to average equity (ytd only) | 4.3303% | 2,768 |
| Net charge-offs to loans | 0.0173% | 2,380 |
| Credit loss provision to net charge-offs | 1,040.0000% | 769 |
| Earnings coverage of net charge-offs (x) | 113.9538% | 650 |
| Efficiency ratio | 65.7686% | 2,557 |
| Assets per employee ($millions) | 4.8176% | 3,399 |
| Cash dividends to net income (ytd only)* | 63.2797% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5548% | 1,113 |
| Loan loss allowance to noncurrent loans | 446.5193% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.2861% | 3,181 |
| Noncurrent loans to loans | 0.3482% | 3,152 |
| Net loans and leases to total assets | 80.8780% | 510 |
| Net loans and leases to deposits | 93.2580% | 1,024 |
| Net loans and leases to core deposits | 97.1890% | 1,483 |
| Total domestic deposits to total assets | 86.7250% | 1,724 |
| Equity capital to assets | 9.9824% | 3,222 |
| Core capital (leverage) ratio | 10.3198% | 2,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $878,109,333 | 957 |
| Average earning assets | $833,529,000 | 932 |
| Average equity | $93,804,667 | 999 |
| Average total loans | $751,457,000 | 808 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3680% | 478 |
| Cost of funding earning assets | 0.8182% | 2,290 |
| Net interest margin | 4.5498% | 449 |
| Noninterest income to average assets | 0.7116% | 1,611 |
| Noninterest expense to average assets | 3.4601% | 992 |
| Loan and lease loss provision to assets | 0.1538% | 1,861 |
| Net operating income to assets | 1.1910% | 1,545 |
| Return on assets (ROA) | 1.1910% | 1,662 |
| Pretax return on assets | 1.4056% | 1,546 |
| Return on Equity (ROE) | 10.7524% | 1,488 |
| Retained earnings to average equity (ytd only) | 5.3955% | 2,118 |
| Net charge-offs to loans | 0.0157% | 2,053 |
| Credit loss provision to net charge-offs | 1,117.2414% | 527 |
| Earnings coverage of net charge-offs (x) | 113.2759% | 528 |
| Efficiency ratio | 68.9332% | 2,514 |
| Assets per employee ($millions) | 4.3840% | 3,429 |
| Cash dividends to net income (ytd only)* | 49.8206% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6091% | 1,047 |
| Loan loss allowance to noncurrent loans | 1,117.0293% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 4,006 |
| Noncurrent loans to loans | 0.1441% | 3,945 |
| Net loans and leases to total assets | 85.3244% | 180 |
| Net loans and leases to deposits | 100.0803% | 556 |
| Net loans and leases to core deposits | 106.0531% | 1,059 |
| Total domestic deposits to total assets | 85.2560% | 2,310 |
| Equity capital to assets | 11.1056% | 2,768 |
| Core capital (leverage) ratio | 11.2163% | 2,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $842,632,000 | 970 |
| Average earning assets | $797,840,500 | 943 |
| Average equity | $93,337,500 | 996 |
| Average total loans | $737,332,000 | 803 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6970% | 403 |
| Cost of funding earning assets | 0.9681% | 1,865 |
| Net interest margin | 4.7289% | 437 |
| Noninterest income to average assets | 0.7887% | 1,481 |
| Noninterest expense to average assets | 3.4957% | 972 |
| Loan and lease loss provision to assets | 0.1375% | 1,550 |
| Net operating income to assets | 1.3271% | 1,592 |
| Return on assets (ROA) | 1.3271% | 1,670 |
| Pretax return on assets | 1.6286% | 1,405 |
| Return on Equity (ROE) | 12.0144% | 1,506 |
| Retained earnings to average equity (ytd only) | 7.5247% | 1,158 |
| Net charge-offs to loans | 0.0188% | 3,053 |
| Credit loss provision to net charge-offs | 815.4412% | 405 |
| Earnings coverage of net charge-offs (x) | 104.7426% | 658 |
| Efficiency ratio | 66.4358% | 2,702 |
| Assets per employee ($millions) | 4.1749% | 3,663 |
| Cash dividends to net income (ytd only)* | 37.3692% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5538% | 1,078 |
| Loan loss allowance to noncurrent loans | 1,138.6746% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 4,035 |
| Noncurrent loans to loans | 0.1365% | 3,980 |
| Net loans and leases to total assets | 86.9217% | 123 |
| Net loans and leases to deposits | 101.9880% | 467 |
| Net loans and leases to core deposits | 108.2622% | 961 |
| Total domestic deposits to total assets | 85.2273% | 2,405 |
| Equity capital to assets | 11.0479% | 2,947 |
| Core capital (leverage) ratio | 11.1822% | 2,353 |
| Tier 1 risk-based capital ratio | 12.2395% | 4,218 |
| Total risk-based capital ratio | 13.4927% | 4,091 |
| Memoranda: | ||
| Average total assets | $806,596,000 | 969 |
| Average earning assets | $762,947,200 | 949 |
| Average equity | $89,093,400 | 987 |
| Average total loans | $723,903,200 | 787 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7252% | 399 |
| Cost of funding earning assets | 0.9860% | 1,823 |
| Net interest margin | 4.7392% | 462 |
| Noninterest income to average assets | 0.7995% | 1,421 |
| Noninterest expense to average assets | 3.4955% | 959 |
| Loan and lease loss provision to assets | 0.1852% | 974 |
| Net operating income to assets | 1.3108% | 1,808 |
| Return on assets (ROA) | 1.3108% | 1,889 |
| Pretax return on assets | 1.6047% | 1,621 |
| Return on Equity (ROE) | 11.8681% | 1,665 |
| Retained earnings to average equity (ytd only) | 7.7105% | 1,535 |
| Net charge-offs to loans | 0.0504% | 2,109 |
| Credit loss provision to net charge-offs | 407.7206% | 742 |
| Earnings coverage of net charge-offs (x) | 39.4078% | 1,386 |
| Efficiency ratio | 66.1348% | 2,709 |
| Assets per employee ($millions) | 4.2320% | 3,575 |
| Cash dividends to net income (ytd only)* | 35.0319% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 1,189 |
| Loan loss allowance to noncurrent loans | 723.6641% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.1905% | 3,804 |
| Noncurrent loans to loans | 0.2104% | 3,785 |
| Net loans and leases to total assets | 89.1738% | 58 |
| Net loans and leases to deposits | 105.3591% | 344 |
| Net loans and leases to core deposits | 112.1925% | 838 |
| Total domestic deposits to total assets | 84.6379% | 2,560 |
| Equity capital to assets | 11.0395% | 3,069 |
| Core capital (leverage) ratio | 11.2050% | 2,469 |
| Tier 1 risk-based capital ratio | 12.0741% | 4,382 |
| Total risk-based capital ratio | 13.3273% | 4,271 |
| Memoranda: | ||
| Average total assets | $798,458,750 | 976 |
| Average earning assets | $755,776,250 | 954 |
| Average equity | $88,189,750 | 993 |
| Average total loans | $719,651,250 | 787 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6804% | 421 |
| Cost of funding earning assets | 0.9780% | 1,802 |
| Net interest margin | 4.7025% | 488 |
| Noninterest income to average assets | 0.8048% | 1,331 |
| Noninterest expense to average assets | 3.5505% | 903 |
| Loan and lease loss provision to assets | 0.2042% | 828 |
| Net operating income to assets | 1.2488% | 1,966 |
| Return on assets (ROA) | 1.2488% | 2,023 |
| Pretax return on assets | 1.5044% | 1,846 |
| Return on Equity (ROE) | 11.3049% | 1,869 |
| Retained earnings to average equity (ytd only) | 5.5722% | 2,486 |
| Net charge-offs to loans | 0.0712% | 1,652 |
| Credit loss provision to net charge-offs | 318.5771% | 862 |
| Earnings coverage of net charge-offs (x) | 26.6601% | 1,565 |
| Efficiency ratio | 67.5112% | 2,610 |
| Assets per employee ($millions) | 4.1884% | 3,592 |
| Cash dividends to net income (ytd only)* | 50.7099% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5249% | 1,199 |
| Loan loss allowance to noncurrent loans | 789.4662% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 3,775 |
| Noncurrent loans to loans | 0.1932% | 3,862 |
| Net loans and leases to total assets | 89.5369% | 64 |
| Net loans and leases to deposits | 106.2919% | 328 |
| Net loans and leases to core deposits | 113.7566% | 788 |
| Total domestic deposits to total assets | 84.2368% | 2,770 |
| Equity capital to assets | 11.0545% | 2,991 |
| Core capital (leverage) ratio | 11.2270% | 2,398 |
| Tier 1 risk-based capital ratio | 11.9769% | 4,431 |
| Total risk-based capital ratio | 13.2301% | 4,315 |
| Memoranda: | ||
| Average total assets | $789,529,330 | 986 |
| Average earning assets | $747,864,670 | 964 |
| Average equity | $87,218,670 | 999 |
| Average total loans | $710,441,670 | 800 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6366% | 400 |
| Cost of funding earning assets | 0.9541% | 1,777 |
| Net interest margin | 4.6825% | 515 |
| Noninterest income to average assets | 0.7436% | 1,447 |
| Noninterest expense to average assets | 3.5282% | 928 |
| Loan and lease loss provision to assets | 0.2055% | 773 |
| Net operating income to assets | 1.2567% | 1,860 |
| Return on assets (ROA) | 1.2567% | 1,908 |
| Pretax return on assets | 1.4428% | 1,951 |
| Return on Equity (ROE) | 11.3796% | 1,789 |
| Retained earnings to average equity (ytd only) | 5.6067% | 2,638 |
| Net charge-offs to loans | 0.0450% | 1,628 |
| Credit loss provision to net charge-offs | 510.1266% | 601 |
| Earnings coverage of net charge-offs (x) | 40.9114% | 1,139 |
| Efficiency ratio | 68.1576% | 2,621 |
| Assets per employee ($millions) | 4.2151% | 3,603 |
| Cash dividends to net income (ytd only)* | 50.7305% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5542% | 1,171 |
| Loan loss allowance to noncurrent loans | 568.4458% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 3,544 |
| Noncurrent loans to loans | 0.2734% | 3,586 |
| Net loans and leases to total assets | 87.2963% | 131 |
| Net loans and leases to deposits | 101.6815% | 516 |
| Net loans and leases to core deposits | 108.5633% | 1,014 |
| Total domestic deposits to total assets | 85.8526% | 2,338 |
| Equity capital to assets | 11.0652% | 2,784 |
| Core capital (leverage) ratio | 11.1507% | 2,428 |
| Tier 1 risk-based capital ratio | 12.2464% | 4,326 |
| Total risk-based capital ratio | 13.4999% | 4,190 |
| Memoranda: | ||
| Average total assets | $784,301,500 | 993 |
| Average earning assets | $742,506,000 | 974 |
| Average equity | $86,611,000 | 996 |
| Average total loans | $701,975,500 | 813 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5498% | 363 |
| Cost of funding earning assets | 0.8298% | 1,396 |
| Net interest margin | 4.7200% | 465 |
| Noninterest income to average assets | 0.8079% | 1,420 |
| Noninterest expense to average assets | 3.4607% | 1,050 |
| Loan and lease loss provision to assets | 0.2086% | 897 |
| Net operating income to assets | 1.3071% | 1,761 |
| Return on assets (ROA) | 1.3071% | 1,750 |
| Pretax return on assets | 1.5971% | 1,478 |
| Return on Equity (ROE) | 11.8577% | 1,767 |
| Retained earnings to average equity (ytd only) | 5.9003% | 2,243 |
| Net charge-offs to loans | 0.1510% | 1,271 |
| Credit loss provision to net charge-offs | 151.8164% | 1,812 |
| Earnings coverage of net charge-offs (x) | 13.1434% | 2,482 |
| Efficiency ratio | 65.7131% | 2,911 |
| Assets per employee ($millions) | 4.2644% | 3,520 |
| Cash dividends to net income (ytd only)* | 50.2412% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4949% | 1,310 |
| Loan loss allowance to noncurrent loans | 617.7608% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.2186% | 3,731 |
| Noncurrent loans to loans | 0.2420% | 3,719 |
| Net loans and leases to total assets | 88.9899% | 79 |
| Net loans and leases to deposits | 104.4965% | 458 |
| Net loans and leases to core deposits | 111.4862% | 909 |
| Total domestic deposits to total assets | 85.1607% | 2,581 |
| Equity capital to assets | 11.0207% | 2,668 |
| Core capital (leverage) ratio | 10.9908% | 2,535 |
| Tier 1 risk-based capital ratio | 12.1510% | 4,325 |
| Total risk-based capital ratio | 13.4039% | 4,212 |
| Memoranda: | ||
| Average total assets | $761,368,200 | 988 |
| Average earning assets | $719,198,600 | 966 |
| Average equity | $83,928,400 | 990 |
| Average total loans | $692,665,000 | 794 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4869% | 372 |
| Cost of funding earning assets | 0.7838% | 1,414 |
| Net interest margin | 4.7031% | 475 |
| Noninterest income to average assets | 0.8305% | 1,379 |
| Noninterest expense to average assets | 3.3827% | 1,145 |
| Loan and lease loss provision to assets | 0.2798% | 539 |
| Net operating income to assets | 1.3280% | 1,751 |
| Return on assets (ROA) | 1.3280% | 1,761 |
| Pretax return on assets | 1.6121% | 1,547 |
| Return on Equity (ROE) | 12.0463% | 1,778 |
| Retained earnings to average equity (ytd only) | 4.4534% | 3,522 |
| Net charge-offs to loans | 0.1425% | 1,144 |
| Credit loss provision to net charge-offs | 215.4681% | 1,307 |
| Earnings coverage of net charge-offs (x) | 14.5672% | 2,280 |
| Efficiency ratio | 64.1320% | 3,162 |
| Assets per employee ($millions) | 4.3446% | 3,369 |
| Cash dividends to net income (ytd only)* | 63.0308% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5227% | 1,273 |
| Loan loss allowance to noncurrent loans | 446.6035% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.3089% | 3,458 |
| Noncurrent loans to loans | 0.3410% | 3,435 |
| Net loans and leases to total assets | 89.2130% | 103 |
| Net loans and leases to deposits | 108.0706% | 355 |
| Net loans and leases to core deposits | 114.6881% | 781 |
| Total domestic deposits to total assets | 82.5507% | 3,451 |
| Equity capital to assets | 10.6613% | 2,970 |
| Core capital (leverage) ratio | 10.8136% | 2,781 |
| Tier 1 risk-based capital ratio | 11.7488% | 4,630 |
| Total risk-based capital ratio | 13.0022% | 4,528 |
| Memoranda: | ||
| Average total assets | $756,614,000 | 993 |
| Average earning assets | $714,944,750 | 969 |
| Average equity | $83,409,500 | 995 |
| Average total loans | $689,580,500 | 800 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4039% | 384 |
| Cost of funding earning assets | 0.7090% | 1,572 |
| Net interest margin | 4.6949% | 439 |
| Noninterest income to average assets | 0.8263% | 1,401 |
| Noninterest expense to average assets | 3.4065% | 1,129 |
| Loan and lease loss provision to assets | 0.2812% | 509 |
| Net operating income to assets | 1.3256% | 1,683 |
| Return on assets (ROA) | 1.3256% | 1,683 |
| Pretax return on assets | 1.5744% | 1,584 |
| Return on Equity (ROE) | 11.8871% | 1,765 |
| Retained earnings to average equity (ytd only) | 10.6861% | 738 |
| Net charge-offs to loans | 0.0648% | 1,694 |
| Credit loss provision to net charge-offs | 475.1131% | 732 |
| Earnings coverage of net charge-offs (x) | 31.3484% | 1,459 |
| Efficiency ratio | 64.7358% | 3,203 |
| Assets per employee ($millions) | 4.2188% | 3,549 |
| Cash dividends to net income (ytd only)* | 10.1031% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5450% | 1,255 |
| Loan loss allowance to noncurrent loans | 479.6633% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.2923% | 3,597 |
| Noncurrent loans to loans | 0.3221% | 3,551 |
| Net loans and leases to total assets | 89.3611% | 89 |
| Net loans and leases to deposits | 109.3081% | 300 |
| Net loans and leases to core deposits | 115.6375% | 720 |
| Total domestic deposits to total assets | 81.7516% | 3,793 |
| Equity capital to assets | 11.0748% | 2,566 |
| Core capital (leverage) ratio | 11.5410% | 2,036 |
| Tier 1 risk-based capital ratio | 12.1586% | 4,398 |
| Total risk-based capital ratio | 13.4121% | 4,274 |
| Memoranda: | ||
| Average total assets | $746,694,000 | 1,003 |
| Average earning assets | $705,495,330 | 981 |
| Average equity | $83,266,670 | 990 |
| Average total loans | $681,975,330 | 805 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3340% | 382 |
| Cost of funding earning assets | 0.6648% | 1,629 |
| Net interest margin | 4.6692% | 428 |
| Noninterest income to average assets | 0.8109% | 1,415 |
| Noninterest expense to average assets | 3.4282% | 1,116 |
| Loan and lease loss provision to assets | 0.2747% | 497 |
| Net operating income to assets | 1.3324% | 1,533 |
| Return on assets (ROA) | 1.3324% | 1,545 |
| Pretax return on assets | 1.5209% | 1,625 |
| Return on Equity (ROE) | 11.9051% | 1,614 |
| Retained earnings to average equity (ytd only) | 10.6878% | 967 |
| Net charge-offs to loans | 0.1255% | 1,041 |
| Credit loss provision to net charge-offs | 238.8626% | 938 |
| Earnings coverage of net charge-offs (x) | 15.6161% | 1,658 |
| Efficiency ratio | 65.6270% | 3,230 |
| Assets per employee ($millions) | 4.1075% | 3,792 |
| Cash dividends to net income (ytd only)* | 10.2249% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5346% | 1,335 |
| Loan loss allowance to noncurrent loans | 397.2973% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.3573% | 3,409 |
| Noncurrent loans to loans | 0.3862% | 3,400 |
| Net loans and leases to total assets | 90.3071% | 57 |
| Net loans and leases to deposits | 104.2961% | 466 |
| Net loans and leases to core deposits | 124.6723% | 454 |
| Total domestic deposits to total assets | 86.5872% | 2,277 |
| Equity capital to assets | 11.3861% | 2,227 |
| Core capital (leverage) ratio | 11.3652% | 2,109 |
| Tier 1 risk-based capital ratio | 12.2325% | 4,415 |
| Total risk-based capital ratio | 13.4858% | 4,312 |
| Memoranda: | ||
| Average total assets | $734,023,500 | 1,024 |
| Average earning assets | $693,736,500 | 998 |
| Average equity | $82,149,500 | 1,012 |
| Average total loans | $672,600,500 | 815 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2957% | 369 |
| Cost of funding earning assets | 0.5934% | 1,645 |
| Net interest margin | 4.7023% | 418 |
| Noninterest income to average assets | 0.8938% | 1,288 |
| Noninterest expense to average assets | 3.4989% | 1,040 |
| Loan and lease loss provision to assets | 0.0917% | 2,365 |
| Net operating income to assets | 1.0906% | 1,886 |
| Return on assets (ROA) | 1.0911% | 1,907 |
| Pretax return on assets | 1.7194% | 962 |
| Return on Equity (ROE) | 10.0380% | 1,866 |
| Retained earnings to average equity (ytd only) | 4.9638% | 2,153 |
| Net charge-offs to loans | -0.0485% | 5,175 |
| Credit loss provision to net charge-offs | -209.1195% | 4,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9022% | 3,290 |
| Assets per employee ($millions) | 4.1168% | 3,786 |
| Cash dividends to net income (ytd only)* | 50.5497% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4818% | 1,475 |
| Loan loss allowance to noncurrent loans | 354.2523% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.4132% | 3,207 |
| Noncurrent loans to loans | 0.4183% | 3,274 |
| Net loans and leases to total assets | 90.1936% | 72 |
| Net loans and leases to deposits | 105.0840% | 442 |
| Net loans and leases to core deposits | 125.7670% | 442 |
| Total domestic deposits to total assets | 85.8300% | 2,519 |
| Equity capital to assets | 10.9152% | 2,717 |
| Core capital (leverage) ratio | 10.8505% | 2,472 |
| Tier 1 risk-based capital ratio | 11.7916% | 4,664 |
| Total risk-based capital ratio | 13.0443% | 4,542 |
| Memoranda: | ||
| Average total assets | $725,232,000 | 1,010 |
| Average earning assets | $680,980,800 | 990 |
| Average equity | $78,830,600 | 1,018 |
| Average total loans | $655,652,000 | 794 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1590% | 450 |
| Cost of funding earning assets | 0.5790% | 1,676 |
| Net interest margin | 4.5800% | 510 |
| Noninterest income to average assets | 0.9006% | 1,269 |
| Noninterest expense to average assets | 3.4599% | 1,053 |
| Loan and lease loss provision to assets | 0.1228% | 1,765 |
| Net operating income to assets | 1.1535% | 1,868 |
| Return on assets (ROA) | 1.1535% | 1,912 |
| Pretax return on assets | 1.6151% | 1,369 |
| Return on Equity (ROE) | 10.6233% | 1,854 |
| Retained earnings to average equity (ytd only) | 5.9483% | 2,276 |
| Net charge-offs to loans | -0.1870% | 5,524 |
| Credit loss provision to net charge-offs | -72.8368% | 4,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5649% | 3,113 |
| Assets per employee ($millions) | 4.2116% | 3,625 |
| Cash dividends to net income (ytd only)* | 44.0071% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5518% | 1,361 |
| Loan loss allowance to noncurrent loans | 166.2012% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.8981% | 1,903 |
| Noncurrent loans to loans | 0.9337% | 2,054 |
| Net loans and leases to total assets | 89.6356% | 96 |
| Net loans and leases to deposits | 110.7860% | 257 |
| Net loans and leases to core deposits | 134.6625% | 275 |
| Total domestic deposits to total assets | 80.9088% | 4,075 |
| Equity capital to assets | 10.6745% | 3,189 |
| Core capital (leverage) ratio | 10.8818% | 2,567 |
| Tier 1 risk-based capital ratio | 11.5808% | 4,901 |
| Total risk-based capital ratio | 12.8342% | 4,782 |
| Memoranda: | ||
| Average total assets | $722,311,000 | 1,024 |
| Average earning assets | $677,709,500 | 999 |
| Average equity | $78,429,250 | 1,029 |
| Average total loans | $650,903,000 | 806 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0898% | 485 |
| Cost of funding earning assets | 0.5544% | 1,751 |
| Net interest margin | 4.5354% | 530 |
| Noninterest income to average assets | 0.9041% | 1,262 |
| Noninterest expense to average assets | 3.5219% | 978 |
| Loan and lease loss provision to assets | 0.1492% | 1,361 |
| Net operating income to assets | 1.0883% | 2,037 |
| Return on assets (ROA) | 1.0883% | 2,091 |
| Pretax return on assets | 1.4885% | 1,697 |
| Return on Equity (ROE) | 9.9643% | 2,051 |
| Retained earnings to average equity (ytd only) | 6.1131% | 2,050 |
| Net charge-offs to loans | -0.3379% | 5,655 |
| Credit loss provision to net charge-offs | -49.1682% | 4,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2591% | 2,960 |
| Assets per employee ($millions) | 4.5088% | 3,089 |
| Cash dividends to net income (ytd only)* | 38.6498% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5935% | 1,273 |
| Loan loss allowance to noncurrent loans | 152.9649% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.9998% | 1,750 |
| Noncurrent loans to loans | 1.0418% | 1,888 |
| Net loans and leases to total assets | 89.3033% | 103 |
| Net loans and leases to deposits | 109.3558% | 276 |
| Net loans and leases to core deposits | 131.1463% | 290 |
| Total domestic deposits to total assets | 81.6631% | 3,989 |
| Equity capital to assets | 10.7362% | 3,095 |
| Core capital (leverage) ratio | 11.1293% | 2,292 |
| Tier 1 risk-based capital ratio | 11.5800% | 4,906 |
| Total risk-based capital ratio | 12.8337% | 4,792 |
| Memoranda: | ||
| Average total assets | $713,196,000 | 1,034 |
| Average earning assets | $669,183,330 | 1,019 |
| Average equity | $77,898,330 | 1,036 |
| Average total loans | $640,353,670 | 824 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0863% | 455 |
| Cost of funding earning assets | 0.5368% | 1,811 |
| Net interest margin | 4.5495% | 480 |
| Noninterest income to average assets | 0.8771% | 1,315 |
| Noninterest expense to average assets | 3.4645% | 1,093 |
| Loan and lease loss provision to assets | 0.1777% | 985 |
| Net operating income to assets | 1.1362% | 1,725 |
| Return on assets (ROA) | 1.1362% | 1,762 |
| Pretax return on assets | 1.4967% | 1,539 |
| Return on Equity (ROE) | 10.3107% | 1,821 |
| Retained earnings to average equity (ytd only) | 9.0186% | 1,073 |
| Net charge-offs to loans | -0.6392% | 5,758 |
| Credit loss provision to net charge-offs | -31.1377% | 3,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4166% | 3,287 |
| Assets per employee ($millions) | 4.2709% | 3,543 |
| Cash dividends to net income (ytd only)* | 12.5313% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6428% | 1,267 |
| Loan loss allowance to noncurrent loans | 312.3072% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.5440% | 3,054 |
| Noncurrent loans to loans | 0.5260% | 3,237 |
| Net loans and leases to total assets | 88.2817% | 100 |
| Net loans and leases to deposits | 103.7807% | 408 |
| Net loans and leases to core deposits | 123.2738% | 379 |
| Total domestic deposits to total assets | 85.0656% | 3,059 |
| Equity capital to assets | 11.1744% | 2,455 |
| Core capital (leverage) ratio | 11.2095% | 2,176 |
| Tier 1 risk-based capital ratio | 12.2734% | 4,525 |
| Total risk-based capital ratio | 13.5279% | 4,427 |
| Memoranda: | ||
| Average total assets | $702,325,500 | 1,048 |
| Average earning assets | $657,918,500 | 1,034 |
| Average equity | $77,395,500 | 1,040 |
| Average total loans | $627,055,000 | 836 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0337% | 560 |
| Cost of funding earning assets | 0.5564% | 1,631 |
| Net interest margin | 4.4772% | 654 |
| Noninterest income to average assets | 0.8548% | 1,555 |
| Noninterest expense to average assets | 3.2495% | 1,687 |
| Loan and lease loss provision to assets | 0.1374% | 1,819 |
| Net operating income to assets | 1.1955% | 1,529 |
| Return on assets (ROA) | 1.1961% | 1,611 |
| Pretax return on assets | 1.6715% | 1,076 |
| Return on Equity (ROE) | 11.1176% | 1,542 |
| Retained earnings to average equity (ytd only) | 4.3253% | 2,824 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2490% | 3,897 |
| Assets per employee ($millions) | 4.3204% | 3,410 |
| Cash dividends to net income (ytd only)* | 61.0948% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 1,909 |
| Loan loss allowance to noncurrent loans | 291.3381% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.5238% | 3,169 |
| Noncurrent loans to loans | 0.4947% | 3,386 |
| Net loans and leases to total assets | 87.5317% | 148 |
| Net loans and leases to deposits | 101.3845% | 576 |
| Net loans and leases to core deposits | 116.0590% | 616 |
| Total domestic deposits to total assets | 86.3364% | 2,439 |
| Equity capital to assets | 10.8662% | 2,746 |
| Core capital (leverage) ratio | 10.9048% | 2,438 |
| Tier 1 risk-based capital ratio | 12.1259% | 4,643 |
| Total risk-based capital ratio | 13.3781% | 4,515 |
| Memoranda: | ||
| Average total assets | $684,238,200 | 1,042 |
| Average earning assets | $642,296,400 | 1,014 |
| Average equity | $73,612,800 | 1,075 |
| Average total loans | $602,379,000 | 829 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0061% | 591 |
| Cost of funding earning assets | 0.5622% | 1,593 |
| Net interest margin | 4.4439% | 711 |
| Noninterest income to average assets | 0.8474% | 1,583 |
| Noninterest expense to average assets | 3.2626% | 1,644 |
| Loan and lease loss provision to assets | 0.1531% | 1,525 |
| Net operating income to assets | 1.1594% | 1,767 |
| Return on assets (ROA) | 1.1601% | 1,870 |
| Pretax return on assets | 1.6047% | 1,365 |
| Return on Equity (ROE) | 10.8112% | 1,744 |
| Retained earnings to average equity (ytd only) | 2.1220% | 4,631 |
| Net charge-offs to loans | -0.0456% | 5,333 |
| Credit loss provision to net charge-offs | -382.3529% | 5,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9994% | 3,764 |
| Assets per employee ($millions) | 4.2770% | 3,454 |
| Cash dividends to net income (ytd only)* | 80.3723% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 2,015 |
| Loan loss allowance to noncurrent loans | 280.2599% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.5423% | 3,292 |
| Noncurrent loans to loans | 0.5141% | 3,455 |
| Net loans and leases to total assets | 87.7994% | 144 |
| Net loans and leases to deposits | 105.2136% | 404 |
| Net loans and leases to core deposits | 120.5368% | 490 |
| Total domestic deposits to total assets | 83.4487% | 3,425 |
| Equity capital to assets | 10.5567% | 3,504 |
| Core capital (leverage) ratio | 10.7937% | 2,691 |
| Tier 1 risk-based capital ratio | 11.6859% | 4,987 |
| Total risk-based capital ratio | 12.9380% | 4,890 |
| Memoranda: | ||
| Average total assets | $679,240,750 | 1,047 |
| Average earning assets | $637,689,250 | 1,027 |
| Average equity | $72,885,250 | 1,092 |
| Average total loans | $596,614,500 | 836 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9970% | 596 |
| Cost of funding earning assets | 0.5568% | 1,646 |
| Net interest margin | 4.4403% | 702 |
| Noninterest income to average assets | 0.8362% | 1,591 |
| Noninterest expense to average assets | 3.2917% | 1,607 |
| Loan and lease loss provision to assets | 0.1551% | 1,471 |
| Net operating income to assets | 1.1442% | 1,795 |
| Return on assets (ROA) | 1.1453% | 1,906 |
| Pretax return on assets | 1.5638% | 1,481 |
| Return on Equity (ROE) | 10.6127% | 1,799 |
| Retained earnings to average equity (ytd only) | -1.8273% | 5,516 |
| Net charge-offs to loans | -0.0389% | 5,252 |
| Credit loss provision to net charge-offs | -456.1404% | 4,911 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7138% | 3,724 |
| Assets per employee ($millions) | 4.2099% | 3,548 |
| Cash dividends to net income (ytd only)* | 117.2180% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4283% | 2,171 |
| Loan loss allowance to noncurrent loans | 306.6197% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.5826% | 3,276 |
| Noncurrent loans to loans | 0.4658% | 3,696 |
| Net loans and leases to total assets | 87.5772% | 161 |
| Net loans and leases to deposits | 104.8302% | 423 |
| Net loans and leases to core deposits | 118.2110% | 561 |
| Total domestic deposits to total assets | 83.5420% | 3,446 |
| Equity capital to assets | 10.5913% | 3,537 |
| Core capital (leverage) ratio | 10.9035% | 2,524 |
| Tier 1 risk-based capital ratio | 11.6621% | 5,053 |
| Total risk-based capital ratio | 12.9138% | 4,952 |
| Memoranda: | ||
| Average total assets | $670,419,330 | 1,062 |
| Average earning assets | $630,054,000 | 1,038 |
| Average equity | $72,347,330 | 1,103 |
| Average total loans | $585,931,670 | 849 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9989% | 583 |
| Cost of funding earning assets | 0.5481% | 1,732 |
| Net interest margin | 4.4508% | 669 |
| Noninterest income to average assets | 0.7674% | 1,745 |
| Noninterest expense to average assets | 3.2838% | 1,647 |
| Loan and lease loss provision to assets | 0.1570% | 1,334 |
| Net operating income to assets | 1.1689% | 1,649 |
| Return on assets (ROA) | 1.1689% | 1,756 |
| Pretax return on assets | 1.5088% | 1,554 |
| Return on Equity (ROE) | 10.7284% | 1,707 |
| Retained earnings to average equity (ytd only) | -12.8231% | 5,872 |
| Net charge-offs to loans | -0.0118% | 4,600 |
| Credit loss provision to net charge-offs | -1,529.4118% | 4,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3455% | 3,744 |
| Assets per employee ($millions) | 4.1130% | 3,737 |
| Cash dividends to net income (ytd only)* | 219.5248% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4525% | 2,186 |
| Loan loss allowance to noncurrent loans | 1,331.8979% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.2418% | 4,592 |
| Noncurrent loans to loans | 0.1091% | 5,039 |
| Net loans and leases to total assets | 86.6363% | 183 |
| Net loans and leases to deposits | 102.8095% | 476 |
| Net loans and leases to core deposits | 114.6061% | 645 |
| Total domestic deposits to total assets | 84.2688% | 3,414 |
| Equity capital to assets | 10.8605% | 3,101 |
| Core capital (leverage) ratio | 10.8137% | 2,604 |
| Tier 1 risk-based capital ratio | 12.0115% | 4,908 |
| Total risk-based capital ratio | 13.2635% | 4,825 |
| Memoranda: | ||
| Average total assets | $662,526,000 | 1,071 |
| Average earning assets | $622,533,500 | 1,052 |
| Average equity | $72,182,000 | 1,096 |
| Average total loans | $574,063,500 | 860 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9741% | 665 |
| Cost of funding earning assets | 0.5444% | 1,811 |
| Net interest margin | 4.4296% | 749 |
| Noninterest income to average assets | 0.8895% | 1,470 |
| Noninterest expense to average assets | 3.1853% | 2,000 |
| Loan and lease loss provision to assets | 0.1756% | 1,295 |
| Net operating income to assets | 1.2297% | 1,451 |
| Return on assets (ROA) | 1.2297% | 1,514 |
| Pretax return on assets | 1.6781% | 1,047 |
| Return on Equity (ROE) | 10.9799% | 1,624 |
| Retained earnings to average equity (ytd only) | 2.8366% | 4,053 |
| Net charge-offs to loans | 0.0021% | 4,402 |
| Credit loss provision to net charge-offs | 9,625.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 1,016.2500% | 56 |
| Efficiency ratio | 63.2127% | 4,405 |
| Assets per employee ($millions) | 4.1682% | 3,630 |
| Cash dividends to net income (ytd only)* | 74.1656% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 2,380 |
| Loan loss allowance to noncurrent loans | 1,661.3169% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.2247% | 4,690 |
| Noncurrent loans to loans | 0.0848% | 5,159 |
| Net loans and leases to total assets | 84.2112% | 370 |
| Net loans and leases to deposits | 99.4576% | 717 |
| Net loans and leases to core deposits | 110.3465% | 834 |
| Total domestic deposits to total assets | 84.6705% | 3,226 |
| Equity capital to assets | 10.9285% | 2,901 |
| Core capital (leverage) ratio | 10.9996% | 2,407 |
| Tier 1 risk-based capital ratio | 12.3917% | 4,707 |
| Total risk-based capital ratio | 13.6431% | 4,596 |
| Memoranda: | ||
| Average total assets | $657,875,000 | 1,039 |
| Average earning assets | $616,256,800 | 1,023 |
| Average equity | $73,680,400 | 1,039 |
| Average total loans | $560,122,600 | 835 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9437% | 694 |
| Cost of funding earning assets | 0.5442% | 1,851 |
| Net interest margin | 4.3995% | 795 |
| Noninterest income to average assets | 0.8765% | 1,522 |
| Noninterest expense to average assets | 3.1289% | 2,145 |
| Loan and lease loss provision to assets | 0.2353% | 765 |
| Net operating income to assets | 1.1885% | 1,685 |
| Return on assets (ROA) | 1.1885% | 1,751 |
| Pretax return on assets | 1.6322% | 1,291 |
| Return on Equity (ROE) | 10.5466% | 1,885 |
| Retained earnings to average equity (ytd only) | 9.1910% | 837 |
| Net charge-offs to loans | 0.0043% | 4,031 |
| Credit loss provision to net charge-offs | 6,416.6667% | 63 |
| Earnings coverage of net charge-offs (x) | 509.3204% | 136 |
| Efficiency ratio | 62.6238% | 4,471 |
| Assets per employee ($millions) | 4.0693% | 3,763 |
| Cash dividends to net income (ytd only)* | 12.8535% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3828% | 2,687 |
| Loan loss allowance to noncurrent loans | 2,123.1579% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.2060% | 4,930 |
| Noncurrent loans to loans | 0.0651% | 5,356 |
| Net loans and leases to total assets | 86.2152% | 218 |
| Net loans and leases to deposits | 107.3412% | 321 |
| Net loans and leases to core deposits | 118.1576% | 523 |
| Total domestic deposits to total assets | 80.3189% | 4,667 |
| Equity capital to assets | 11.4382% | 2,549 |
| Core capital (leverage) ratio | 11.6132% | 1,945 |
| Tier 1 risk-based capital ratio | 12.7014% | 4,610 |
| Total risk-based capital ratio | 13.9525% | 4,522 |
| Memoranda: | ||
| Average total assets | $654,574,000 | 1,055 |
| Average earning assets | $612,963,000 | 1,034 |
| Average equity | $73,765,750 | 1,042 |
| Average total loans | $556,853,750 | 846 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8885% | 751 |
| Cost of funding earning assets | 0.5443% | 1,868 |
| Net interest margin | 4.3442% | 847 |
| Noninterest income to average assets | 0.8516% | 1,599 |
| Noninterest expense to average assets | 3.0745% | 2,323 |
| Loan and lease loss provision to assets | 0.2691% | 613 |
| Net operating income to assets | 1.1656% | 1,722 |
| Return on assets (ROA) | 1.1656% | 1,792 |
| Pretax return on assets | 1.5756% | 1,406 |
| Return on Equity (ROE) | 10.3964% | 1,897 |
| Retained earnings to average equity (ytd only) | 9.0249% | 914 |
| Net charge-offs to loans | 0.0255% | 3,170 |
| Credit loss provision to net charge-offs | 1,250.0000% | 285 |
| Earnings coverage of net charge-offs (x) | 85.6857% | 668 |
| Efficiency ratio | 62.5008% | 4,595 |
| Assets per employee ($millions) | 3.9271% | 4,025 |
| Cash dividends to net income (ytd only)* | 13.1926% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 2,910 |
| Loan loss allowance to noncurrent loans | 4,577.5148% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.1664% | 5,213 |
| Noncurrent loans to loans | 0.0298% | 5,638 |
| Net loans and leases to total assets | 86.2574% | 225 |
| Net loans and leases to deposits | 104.9029% | 413 |
| Net loans and leases to core deposits | 114.2273% | 655 |
| Total domestic deposits to total assets | 82.2259% | 4,222 |
| Equity capital to assets | 11.5033% | 2,409 |
| Core capital (leverage) ratio | 11.6828% | 1,852 |
| Tier 1 risk-based capital ratio | 12.7352% | 4,658 |
| Total risk-based capital ratio | 13.9860% | 4,578 |
| Memoranda: | ||
| Average total assets | $650,312,000 | 1,065 |
| Average earning assets | $608,901,330 | 1,044 |
| Average equity | $72,909,670 | 1,056 |
| Average total loans | $547,993,670 | 857 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8135% | 837 |
| Cost of funding earning assets | 0.5432% | 1,902 |
| Net interest margin | 4.2703% | 941 |
| Noninterest income to average assets | 0.7791% | 1,789 |
| Noninterest expense to average assets | 2.9287% | 2,809 |
| Loan and lease loss provision to assets | 0.2947% | 503 |
| Net operating income to assets | 1.1924% | 1,573 |
| Return on assets (ROA) | 1.1924% | 1,670 |
| Pretax return on assets | 1.5472% | 1,405 |
| Return on Equity (ROE) | 10.7747% | 1,706 |
| Retained earnings to average equity (ytd only) | 9.3876% | 1,073 |
| Net charge-offs to loans | 0.0498% | 2,290 |
| Credit loss provision to net charge-offs | 716.4179% | 421 |
| Earnings coverage of net charge-offs (x) | 44.7761% | 903 |
| Efficiency ratio | 61.3900% | 4,904 |
| Assets per employee ($millions) | 4.1220% | 3,723 |
| Cash dividends to net income (ytd only)* | 12.8733% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3624% | 3,090 |
| Loan loss allowance to noncurrent loans | 2,116.4265% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.2692% | 4,870 |
| Noncurrent loans to loans | 0.0644% | 5,514 |
| Net loans and leases to total assets | 83.2215% | 362 |
| Net loans and leases to deposits | 99.0985% | 617 |
| Net loans and leases to core deposits | 106.9910% | 874 |
| Total domestic deposits to total assets | 83.9786% | 3,825 |
| Equity capital to assets | 11.4165% | 2,545 |
| Core capital (leverage) ratio | 11.2872% | 2,166 |
| Tier 1 risk-based capital ratio | 12.8655% | 4,681 |
| Total risk-based capital ratio | 14.1160% | 4,595 |
| Memoranda: | ||
| Average total assets | $651,479,500 | 1,065 |
| Average earning assets | $608,952,000 | 1,047 |
| Average equity | $72,095,000 | 1,068 |
| Average total loans | $538,658,500 | 873 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0654% | 685 |
| Cost of funding earning assets | 0.5548% | 2,173 |
| Net interest margin | 4.5106% | 732 |
| Noninterest income to average assets | 0.8118% | 1,823 |
| Noninterest expense to average assets | 3.2066% | 2,198 |
| Loan and lease loss provision to assets | 0.1663% | 1,578 |
| Net operating income to assets | 1.1767% | 1,652 |
| Return on assets (ROA) | 1.1723% | 1,741 |
| Pretax return on assets | 1.6038% | 1,223 |
| Return on Equity (ROE) | 10.2773% | 1,997 |
| Retained earnings to average equity (ytd only) | 2.5690% | 4,409 |
| Net charge-offs to loans | 0.0196% | 4,457 |
| Credit loss provision to net charge-offs | 1,019.6078% | 265 |
| Earnings coverage of net charge-offs (x) | 108.9118% | 483 |
| Efficiency ratio | 64.3554% | 4,542 |
| Assets per employee ($millions) | 4.2029% | 3,539 |
| Cash dividends to net income (ytd only)* | 75.0034% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2877% | 3,497 |
| Loan loss allowance to noncurrent loans | 395.1539% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 4,192 |
| Noncurrent loans to loans | 0.3259% | 4,669 |
| Net loans and leases to total assets | 80.0139% | 740 |
| Net loans and leases to deposits | 93.5319% | 1,126 |
| Net loans and leases to core deposits | 101.6736% | 1,270 |
| Total domestic deposits to total assets | 85.5472% | 3,055 |
| Equity capital to assets | 10.7294% | 3,202 |
| Core capital (leverage) ratio | 11.0317% | 2,382 |
| Tier 1 risk-based capital ratio | 12.8057% | 4,853 |
| Total risk-based capital ratio | 14.0514% | 4,769 |
| Memoranda: | ||
| Average total assets | $625,498,200 | 1,065 |
| Average earning assets | $578,375,000 | 1,051 |
| Average equity | $71,351,600 | 1,030 |
| Average total loans | $520,709,600 | 852 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1125% | 626 |
| Cost of funding earning assets | 0.5506% | 2,281 |
| Net interest margin | 4.5619% | 668 |
| Noninterest income to average assets | 0.8233% | 1,804 |
| Noninterest expense to average assets | 3.1853% | 2,219 |
| Loan and lease loss provision to assets | 0.1472% | 1,702 |
| Net operating income to assets | 1.2394% | 1,553 |
| Return on assets (ROA) | 1.2336% | 1,628 |
| Pretax return on assets | 1.6908% | 1,084 |
| Return on Equity (ROE) | 10.6436% | 1,929 |
| Retained earnings to average equity (ytd only) | 8.3087% | 1,216 |
| Net charge-offs to loans | -0.0173% | 5,576 |
| Credit loss provision to net charge-offs | -1,014.9254% | 5,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3090% | 4,662 |
| Assets per employee ($millions) | 4.0841% | 3,697 |
| Cash dividends to net income (ytd only)* | 21.9376% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2518% | 3,934 |
| Loan loss allowance to noncurrent loans | 272.7641% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.6810% | 3,786 |
| Noncurrent loans to loans | 0.4589% | 4,525 |
| Net loans and leases to total assets | 84.5341% | 300 |
| Net loans and leases to deposits | 101.4179% | 527 |
| Net loans and leases to core deposits | 111.0254% | 706 |
| Total domestic deposits to total assets | 83.3523% | 4,013 |
| Equity capital to assets | 11.7441% | 2,268 |
| Core capital (leverage) ratio | 11.8614% | 1,782 |
| Tier 1 risk-based capital ratio | 13.5275% | 4,523 |
| Total risk-based capital ratio | 14.7619% | 4,472 |
| Memoranda: | ||
| Average total assets | $615,859,750 | 1,093 |
| Average earning assets | $568,082,500 | 1,078 |
| Average equity | $71,377,250 | 1,030 |
| Average total loans | $516,320,750 | 864 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0115% | 736 |
| Cost of funding earning assets | 0.5463% | 2,379 |
| Net interest margin | 4.4652% | 760 |
| Noninterest income to average assets | 0.8661% | 1,604 |
| Noninterest expense to average assets | 3.2085% | 2,168 |
| Loan and lease loss provision to assets | 0.1701% | 1,441 |
| Net operating income to assets | 1.1713% | 1,682 |
| Return on assets (ROA) | 1.1624% | 1,784 |
| Pretax return on assets | 1.5761% | 1,317 |
| Return on Equity (ROE) | 10.0754% | 2,115 |
| Retained earnings to average equity (ytd only) | 7.2404% | 1,643 |
| Net charge-offs to loans | 0.0365% | 3,489 |
| Credit loss provision to net charge-offs | 559.1398% | 539 |
| Earnings coverage of net charge-offs (x) | 57.8065% | 826 |
| Efficiency ratio | 64.5990% | 4,597 |
| Assets per employee ($millions) | 4.0296% | 3,779 |
| Cash dividends to net income (ytd only)* | 28.1373% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 4,342 |
| Loan loss allowance to noncurrent loans | 221.3030% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 1.2303% | 2,636 |
| Noncurrent loans to loans | 0.5504% | 4,364 |
| Net loans and leases to total assets | 83.3591% | 353 |
| Net loans and leases to deposits | 103.1963% | 391 |
| Net loans and leases to core deposits | 113.3585% | 561 |
| Total domestic deposits to total assets | 80.7772% | 5,044 |
| Equity capital to assets | 11.5228% | 2,403 |
| Core capital (leverage) ratio | 11.8591% | 1,747 |
| Tier 1 risk-based capital ratio | 13.4026% | 4,649 |
| Total risk-based capital ratio | 14.5981% | 4,629 |
| Memoranda: | ||
| Average total assets | $611,498,330 | 1,099 |
| Average earning assets | $561,583,000 | 1,089 |
| Average equity | $70,548,330 | 1,036 |
| Average total loans | $508,957,000 | 873 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9451% | 795 |
| Cost of funding earning assets | 0.5416% | 2,485 |
| Net interest margin | 4.4035% | 801 |
| Noninterest income to average assets | 0.7207% | 2,079 |
| Noninterest expense to average assets | 3.4839% | 1,519 |
| Loan and lease loss provision to assets | 0.2142% | 1,072 |
| Net operating income to assets | 0.7749% | 3,281 |
| Return on assets (ROA) | 0.7571% | 3,458 |
| Pretax return on assets | 1.0302% | 3,210 |
| Return on Equity (ROE) | 6.5581% | 3,712 |
| Retained earnings to average equity (ytd only) | 5.1262% | 3,041 |
| Net charge-offs to loans | 0.0024% | 3,630 |
| Credit loss provision to net charge-offs | 10,800.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 639.6667% | 48 |
| Efficiency ratio | 73.3027% | 3,262 |
| Assets per employee ($millions) | 4.0148% | 3,916 |
| Cash dividends to net income (ytd only)* | 21.8341% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 4,307 |
| Loan loss allowance to noncurrent loans | 193.2660% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 1.7302% | 2,039 |
| Noncurrent loans to loans | 0.6547% | 4,225 |
| Net loans and leases to total assets | 81.2680% | 424 |
| Net loans and leases to deposits | 96.7325% | 609 |
| Net loans and leases to core deposits | 104.9348% | 800 |
| Total domestic deposits to total assets | 84.0132% | 4,268 |
| Equity capital to assets | 11.5978% | 2,172 |
| Core capital (leverage) ratio | 11.7528% | 1,799 |
| Tier 1 risk-based capital ratio | 13.7615% | 4,496 |
| Total risk-based capital ratio | 14.9973% | 4,459 |
| Memoranda: | ||
| Average total assets | $604,954,000 | 1,117 |
| Average earning assets | $553,926,500 | 1,111 |
| Average equity | $69,837,500 | 1,045 |
| Average total loans | $499,900,500 | 886 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1142% | 751 |
| Cost of funding earning assets | 0.5483% | 3,128 |
| Net interest margin | 4.5659% | 647 |
| Noninterest income to average assets | 0.8249% | 1,964 |
| Noninterest expense to average assets | 3.3638% | 1,964 |
| Loan and lease loss provision to assets | 0.1256% | 2,746 |
| Net operating income to assets | 1.1004% | 1,934 |
| Return on assets (ROA) | 1.1004% | 2,002 |
| Pretax return on assets | 1.5230% | 1,373 |
| Return on Equity (ROE) | 9.1227% | 2,481 |
| Retained earnings to average equity (ytd only) | 0.3427% | 5,694 |
| Net charge-offs to loans | 0.1478% | 3,326 |
| Credit loss provision to net charge-offs | 104.2553% | 2,324 |
| Earnings coverage of net charge-offs (x) | 13.6894% | 1,998 |
| Efficiency ratio | 67.1097% | 4,354 |
| Assets per employee ($millions) | 3.8947% | 4,075 |
| Cash dividends to net income (ytd only)* | 96.2434% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 4,676 |
| Loan loss allowance to noncurrent loans | 155.8648% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 1.8200% | 2,019 |
| Noncurrent loans to loans | 0.7678% | 4,047 |
| Net loans and leases to total assets | 81.9680% | 420 |
| Net loans and leases to deposits | 99.6323% | 499 |
| Net loans and leases to core deposits | 108.2244% | 684 |
| Total domestic deposits to total assets | 82.2705% | 4,778 |
| Equity capital to assets | 11.4905% | 2,170 |
| Core capital (leverage) ratio | 11.6303% | 1,873 |
| Tier 1 risk-based capital ratio | 13.5089% | 4,647 |
| Total risk-based capital ratio | 14.6761% | 4,648 |
| Memoranda: | ||
| Average total assets | $585,415,800 | 1,137 |
| Average earning assets | $536,897,200 | 1,127 |
| Average equity | $70,615,400 | 1,011 |
| Average total loans | $477,049,000 | 891 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0760% | 808 |
| Cost of funding earning assets | 0.5514% | 3,248 |
| Net interest margin | 4.5246% | 708 |
| Noninterest income to average assets | 0.8238% | 2,041 |
| Noninterest expense to average assets | 3.3043% | 2,074 |
| Loan and lease loss provision to assets | 0.1412% | 2,526 |
| Net operating income to assets | 1.0924% | 2,034 |
| Return on assets (ROA) | 1.0924% | 2,112 |
| Pretax return on assets | 1.5333% | 1,513 |
| Return on Equity (ROE) | 8.9459% | 2,660 |
| Retained earnings to average equity (ytd only) | 6.2202% | 2,277 |
| Net charge-offs to loans | 0.1220% | 3,323 |
| Credit loss provision to net charge-offs | 142.6914% | 1,648 |
| Earnings coverage of net charge-offs (x) | 16.9258% | 1,765 |
| Efficiency ratio | 66.3670% | 4,418 |
| Assets per employee ($millions) | 3.8418% | 4,143 |
| Cash dividends to net income (ytd only)* | 30.4687% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2237% | 4,769 |
| Loan loss allowance to noncurrent loans | 108.7772% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 1.9100% | 2,122 |
| Noncurrent loans to loans | 1.1249% | 3,556 |
| Net loans and leases to total assets | 82.7920% | 308 |
| Net loans and leases to deposits | 104.6158% | 273 |
| Net loans and leases to core deposits | 112.1903% | 501 |
| Total domestic deposits to total assets | 79.1391% | 5,719 |
| Equity capital to assets | 12.0874% | 1,864 |
| Core capital (leverage) ratio | 12.4037% | 1,469 |
| Tier 1 risk-based capital ratio | 14.1265% | 4,338 |
| Total risk-based capital ratio | 15.3251% | 4,322 |
| Memoranda: | ||
| Average total assets | $580,851,750 | 1,157 |
| Average earning assets | $533,397,250 | 1,148 |
| Average equity | $70,928,000 | 1,010 |
| Average total loans | $471,108,500 | 902 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0426% | 856 |
| Cost of funding earning assets | 0.5566% | 3,348 |
| Net interest margin | 4.4860% | 723 |
| Noninterest income to average assets | 0.8234% | 2,097 |
| Noninterest expense to average assets | 3.2250% | 2,292 |
| Loan and lease loss provision to assets | 0.1044% | 3,048 |
| Net operating income to assets | 1.1693% | 1,671 |
| Return on assets (ROA) | 1.1693% | 1,779 |
| Pretax return on assets | 1.6089% | 1,347 |
| Return on Equity (ROE) | 9.5423% | 2,400 |
| Retained earnings to average equity (ytd only) | 6.7024% | 2,037 |
| Net charge-offs to loans | 0.0104% | 4,669 |
| Credit loss provision to net charge-offs | 1,250.0000% | 250 |
| Earnings coverage of net charge-offs (x) | 205.1250% | 253 |
| Efficiency ratio | 65.3066% | 4,668 |
| Assets per employee ($millions) | 3.7355% | 4,333 |
| Cash dividends to net income (ytd only)* | 29.7619% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 4,570 |
| Loan loss allowance to noncurrent loans | 96.8789% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 2.1599% | 2,001 |
| Noncurrent loans to loans | 1.3281% | 3,337 |
| Net loans and leases to total assets | 83.2078% | 283 |
| Net loans and leases to deposits | 102.3799% | 319 |
| Net loans and leases to core deposits | 109.7866% | 571 |
| Total domestic deposits to total assets | 81.2735% | 5,270 |
| Equity capital to assets | 12.4290% | 1,620 |
| Core capital (leverage) ratio | 12.5632% | 1,334 |
| Tier 1 risk-based capital ratio | 14.4794% | 4,112 |
| Total risk-based capital ratio | 15.7295% | 4,073 |
| Memoranda: | ||
| Average total assets | $574,693,670 | 1,169 |
| Average earning assets | $527,149,000 | 1,159 |
| Average equity | $70,423,000 | 1,026 |
| Average total loans | $460,697,670 | 919 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8642% | 1,169 |
| Cost of funding earning assets | 0.5598% | 3,474 |
| Net interest margin | 4.3044% | 962 |
| Noninterest income to average assets | 0.8224% | 2,033 |
| Noninterest expense to average assets | 3.0487% | 2,840 |
| Loan and lease loss provision to assets | 0.1671% | 2,186 |
| Net operating income to assets | 1.1267% | 1,754 |
| Return on assets (ROA) | 1.1267% | 1,873 |
| Pretax return on assets | 1.5369% | 1,465 |
| Return on Equity (ROE) | 9.2609% | 2,373 |
| Retained earnings to average equity (ytd only) | 7.8300% | 1,814 |
| Net charge-offs to loans | -0.0214% | 5,746 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1465% | 4,988 |
| Assets per employee ($millions) | 3.6398% | 4,698 |
| Cash dividends to net income (ytd only)* | 15.4512% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3920% | 4,280 |
| Loan loss allowance to noncurrent loans | 98.3573% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 2.1605% | 2,168 |
| Noncurrent loans to loans | 1.4153% | 3,443 |
| Net loans and leases to total assets | 76.2205% | 812 |
| Net loans and leases to deposits | 91.2514% | 869 |
| Net loans and leases to core deposits | 97.5779% | 1,110 |
| Total domestic deposits to total assets | 83.5280% | 4,657 |
| Equity capital to assets | 12.1883% | 1,915 |
| Core capital (leverage) ratio | 12.3206% | 1,418 |
| Tier 1 risk-based capital ratio | 15.3278% | 3,637 |
| Total risk-based capital ratio | 16.5792% | 3,594 |
| Memoranda: | ||
| Average total assets | $574,410,000 | 1,180 |
| Average earning assets | $524,488,000 | 1,179 |
| Average equity | $69,885,000 | 1,040 |
| Average total loans | $448,596,000 | 956 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3990% | 760 |
| Cost of funding earning assets | 0.6728% | 3,714 |
| Net interest margin | 4.7262% | 619 |
| Noninterest income to average assets | 0.8840% | 1,919 |
| Noninterest expense to average assets | 3.3381% | 2,226 |
| Loan and lease loss provision to assets | 0.5246% | 1,109 |
| Net operating income to assets | 0.9339% | 2,628 |
| Return on assets (ROA) | 0.9339% | 2,874 |
| Pretax return on assets | 1.3220% | 2,316 |
| Return on Equity (ROE) | 7.4125% | 3,406 |
| Retained earnings to average equity (ytd only) | 0.8810% | 5,429 |
| Net charge-offs to loans | 1.0568% | 1,015 |
| Credit loss provision to net charge-offs | 60.6426% | 4,425 |
| Earnings coverage of net charge-offs (x) | 2.1344% | 4,344 |
| Efficiency ratio | 64.3835% | 4,816 |
| Assets per employee ($millions) | 3.7261% | 4,515 |
| Cash dividends to net income (ytd only)* | 88.1144% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3255% | 4,512 |
| Loan loss allowance to noncurrent loans | 120.0282% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 2.7665% | 1,739 |
| Noncurrent loans to loans | 1.1043% | 3,997 |
| Net loans and leases to total assets | 77.8633% | 694 |
| Net loans and leases to deposits | 93.4731% | 785 |
| Net loans and leases to core deposits | 100.8479% | 974 |
| Total domestic deposits to total assets | 83.3003% | 4,600 |
| Equity capital to assets | 12.1442% | 1,950 |
| Core capital (leverage) ratio | 12.6960% | 1,240 |
| Tier 1 risk-based capital ratio | 14.8334% | 3,816 |
| Total risk-based capital ratio | 16.0837% | 3,769 |
| Memoranda: | ||
| Average total assets | $546,842,800 | 1,227 |
| Average earning assets | $497,609,600 | 1,222 |
| Average equity | $68,897,200 | 1,025 |
| Average total loans | $447,653,800 | 926 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4633% | 741 |
| Cost of funding earning assets | 0.6949% | 3,816 |
| Net interest margin | 4.7684% | 589 |
| Noninterest income to average assets | 0.8879% | 1,874 |
| Noninterest expense to average assets | 3.3193% | 2,218 |
| Loan and lease loss provision to assets | 0.6134% | 882 |
| Net operating income to assets | 0.9207% | 2,878 |
| Return on assets (ROA) | 0.9207% | 3,101 |
| Pretax return on assets | 1.3061% | 2,588 |
| Return on Equity (ROE) | 7.2388% | 3,676 |
| Retained earnings to average equity (ytd only) | -0.9959% | 6,275 |
| Net charge-offs to loans | 1.1755% | 850 |
| Credit loss provision to net charge-offs | 63.1405% | 4,071 |
| Earnings coverage of net charge-offs (x) | 1.9759% | 4,275 |
| Efficiency ratio | 63.3597% | 4,913 |
| Assets per employee ($millions) | 3.5708% | 4,806 |
| Cash dividends to net income (ytd only)* | 113.7581% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3942% | 4,399 |
| Loan loss allowance to noncurrent loans | 127.9518% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 1.9205% | 2,757 |
| Noncurrent loans to loans | 1.0896% | 4,260 |
| Net loans and leases to total assets | 84.7063% | 193 |
| Net loans and leases to deposits | 101.7681% | 364 |
| Net loans and leases to core deposits | 110.4173% | 550 |
| Total domestic deposits to total assets | 83.2346% | 4,551 |
| Equity capital to assets | 12.8019% | 1,706 |
| Core capital (leverage) ratio | 12.7422% | 1,299 |
| Tier 1 risk-based capital ratio | 14.5671% | 4,141 |
| Total risk-based capital ratio | 15.8186% | 4,106 |
| Memoranda: | ||
| Average total assets | $541,028,750 | 1,248 |
| Average earning assets | $493,655,000 | 1,247 |
| Average equity | $68,813,000 | 1,028 |
| Average total loans | $447,102,000 | 929 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3999% | 869 |
| Cost of funding earning assets | 0.7138% | 3,908 |
| Net interest margin | 4.6861% | 690 |
| Noninterest income to average assets | 0.8775% | 1,870 |
| Noninterest expense to average assets | 3.1363% | 2,796 |
| Loan and lease loss provision to assets | 0.5566% | 1,101 |
| Net operating income to assets | 1.0485% | 2,254 |
| Return on assets (ROA) | 1.0485% | 2,486 |
| Pretax return on assets | 1.4588% | 1,983 |
| Return on Equity (ROE) | 8.2611% | 3,138 |
| Retained earnings to average equity (ytd only) | 2.4679% | 4,953 |
| Net charge-offs to loans | 0.9779% | 1,136 |
| Credit loss provision to net charge-offs | 69.7696% | 3,568 |
| Earnings coverage of net charge-offs (x) | 2.5263% | 3,748 |
| Efficiency ratio | 60.8792% | 5,438 |
| Assets per employee ($millions) | 3.6998% | 4,521 |
| Cash dividends to net income (ytd only)* | 70.1262% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5883% | 3,643 |
| Loan loss allowance to noncurrent loans | 76.9536% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 2.5276% | 2,215 |
| Noncurrent loans to loans | 2.0640% | 2,871 |
| Net loans and leases to total assets | 82.7968% | 279 |
| Net loans and leases to deposits | 100.6371% | 399 |
| Net loans and leases to core deposits | 108.6055% | 636 |
| Total domestic deposits to total assets | 82.2726% | 5,026 |
| Equity capital to assets | 12.9511% | 1,543 |
| Core capital (leverage) ratio | 12.9472% | 1,167 |
| Tier 1 risk-based capital ratio | 15.2193% | 3,619 |
| Total risk-based capital ratio | 16.4734% | 3,580 |
| Memoranda: | ||
| Average total assets | $544,022,330 | 1,244 |
| Average earning assets | $496,195,000 | 1,242 |
| Average equity | $69,046,670 | 1,017 |
| Average total loans | $443,786,000 | 939 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3701% | 961 |
| Cost of funding earning assets | 0.7505% | 3,858 |
| Net interest margin | 4.6196% | 796 |
| Noninterest income to average assets | 0.8332% | 2,022 |
| Noninterest expense to average assets | 3.0624% | 3,045 |
| Loan and lease loss provision to assets | 0.5316% | 1,126 |
| Net operating income to assets | 1.0281% | 2,368 |
| Return on assets (ROA) | 1.0281% | 2,554 |
| Pretax return on assets | 1.4414% | 2,051 |
| Return on Equity (ROE) | 8.1824% | 3,202 |
| Retained earnings to average equity (ytd only) | 2.3710% | 5,076 |
| Net charge-offs to loans | 0.7118% | 1,405 |
| Credit loss provision to net charge-offs | 92.9757% | 2,495 |
| Earnings coverage of net charge-offs (x) | 3.4508% | 2,836 |
| Efficiency ratio | 60.8179% | 5,487 |
| Assets per employee ($millions) | 3.8141% | 4,393 |
| Cash dividends to net income (ytd only)* | 71.0227% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8024% | 2,986 |
| Loan loss allowance to noncurrent loans | 71.4023% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 3.1044% | 1,873 |
| Noncurrent loans to loans | 2.5243% | 2,583 |
| Net loans and leases to total assets | 77.6127% | 627 |
| Net loans and leases to deposits | 93.9225% | 673 |
| Net loans and leases to core deposits | 101.8755% | 869 |
| Total domestic deposits to total assets | 82.6349% | 5,068 |
| Equity capital to assets | 12.6572% | 1,621 |
| Core capital (leverage) ratio | 12.4284% | 1,371 |
| Tier 1 risk-based capital ratio | 15.8309% | 3,265 |
| Total risk-based capital ratio | 17.0875% | 3,228 |
| Memoranda: | ||
| Average total assets | $547,798,500 | 1,240 |
| Average earning assets | $498,314,500 | 1,234 |
| Average equity | $68,830,500 | 1,016 |
| Average total loans | $440,004,500 | 944 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8345% | 595 |
| Cost of funding earning assets | 0.9685% | 3,586 |
| Net interest margin | 4.8660% | 547 |
| Noninterest income to average assets | 0.8714% | 1,768 |
| Noninterest expense to average assets | 3.4639% | 2,079 |
| Loan and lease loss provision to assets | 0.6269% | 1,634 |
| Net operating income to assets | 0.8235% | 2,937 |
| Return on assets (ROA) | 0.8235% | 3,103 |
| Pretax return on assets | 1.1971% | 2,470 |
| Return on Equity (ROE) | 6.9339% | 3,426 |
| Retained earnings to average equity (ytd only) | 3.0125% | 4,082 |
| Net charge-offs to loans | 0.6822% | 2,447 |
| Credit loss provision to net charge-offs | 108.5657% | 3,108 |
| Earnings coverage of net charge-offs (x) | 3.1587% | 3,630 |
| Efficiency ratio | 65.5052% | 4,864 |
| Assets per employee ($millions) | 3.8745% | 4,151 |
| Cash dividends to net income (ytd only)* | 56.5541% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7431% | 3,048 |
| Loan loss allowance to noncurrent loans | 60.5697% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 3.6379% | 1,614 |
| Noncurrent loans to loans | 2.8778% | 2,270 |
| Net loans and leases to total assets | 80.1739% | 476 |
| Net loans and leases to deposits | 97.9134% | 566 |
| Net loans and leases to core deposits | 105.0001% | 843 |
| Total domestic deposits to total assets | 81.8825% | 5,171 |
| Equity capital to assets | 12.4735% | 1,813 |
| Core capital (leverage) ratio | 12.8830% | 1,187 |
| Tier 1 risk-based capital ratio | 15.0089% | 3,634 |
| Total risk-based capital ratio | 16.2649% | 3,590 |
| Memoranda: | ||
| Average total assets | $521,583,400 | 1,282 |
| Average earning assets | $473,405,200 | 1,293 |
| Average equity | $61,942,000 | 1,087 |
| Average total loans | $441,522,800 | 945 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8965% | 565 |
| Cost of funding earning assets | 1.0269% | 3,486 |
| Net interest margin | 4.8696% | 543 |
| Noninterest income to average assets | 0.8667% | 1,764 |
| Noninterest expense to average assets | 3.4795% | 1,994 |
| Loan and lease loss provision to assets | 0.5443% | 1,808 |
| Net operating income to assets | 0.8408% | 2,985 |
| Return on assets (ROA) | 0.8408% | 3,134 |
| Pretax return on assets | 1.2612% | 2,425 |
| Return on Equity (ROE) | 7.1763% | 3,438 |
| Retained earnings to average equity (ytd only) | 2.2277% | 5,014 |
| Net charge-offs to loans | 0.5292% | 2,645 |
| Credit loss provision to net charge-offs | 120.3438% | 2,700 |
| Earnings coverage of net charge-offs (x) | 3.9920% | 3,223 |
| Efficiency ratio | 65.8379% | 4,748 |
| Assets per employee ($millions) | 3.5820% | 4,801 |
| Cash dividends to net income (ytd only)* | 68.9580% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7364% | 3,145 |
| Loan loss allowance to noncurrent loans | 79.1883% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 3.4969% | 1,802 |
| Noncurrent loans to loans | 2.1927% | 3,122 |
| Net loans and leases to total assets | 87.5228% | 90 |
| Net loans and leases to deposits | 108.3992% | 201 |
| Net loans and leases to core deposits | 117.2724% | 461 |
| Total domestic deposits to total assets | 80.7411% | 5,517 |
| Equity capital to assets | 13.2300% | 1,501 |
| Core capital (leverage) ratio | 13.0333% | 1,220 |
| Tier 1 risk-based capital ratio | 14.5850% | 3,916 |
| Total risk-based capital ratio | 15.8409% | 3,882 |
| Memoranda: | ||
| Average total assets | $514,435,500 | 1,307 |
| Average earning assets | $466,752,250 | 1,312 |
| Average equity | $60,271,000 | 1,123 |
| Average total loans | $439,673,000 | 961 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9031% | 577 |
| Cost of funding earning assets | 1.0557% | 3,563 |
| Net interest margin | 4.8475% | 558 |
| Noninterest income to average assets | 0.8774% | 1,728 |
| Noninterest expense to average assets | 3.5079% | 1,958 |
| Loan and lease loss provision to assets | 0.6250% | 1,533 |
| Net operating income to assets | 0.7772% | 3,164 |
| Return on assets (ROA) | 0.7772% | 3,299 |
| Pretax return on assets | 1.1456% | 2,683 |
| Return on Equity (ROE) | 6.9307% | 3,477 |
| Retained earnings to average equity (ytd only) | 6.4979% | 2,145 |
| Net charge-offs to loans | 0.6214% | 2,282 |
| Credit loss provision to net charge-offs | 119.3477% | 2,568 |
| Earnings coverage of net charge-offs (x) | 3.3810% | 3,192 |
| Efficiency ratio | 66.4558% | 4,784 |
| Assets per employee ($millions) | 3.4869% | 4,975 |
| Cash dividends to net income (ytd only)* | 6.2438% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7521% | 3,144 |
| Loan loss allowance to noncurrent loans | 154.5508% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 2.5111% | 2,653 |
| Noncurrent loans to loans | 1.1337% | 4,766 |
| Net loans and leases to total assets | 85.6363% | 153 |
| Net loans and leases to deposits | 103.7410% | 327 |
| Net loans and leases to core deposits | 115.0884% | 546 |
| Total domestic deposits to total assets | 82.5482% | 4,971 |
| Equity capital to assets | 11.4398% | 2,559 |
| Core capital (leverage) ratio | 11.3943% | 1,981 |
| Tier 1 risk-based capital ratio | 13.0137% | 4,902 |
| Total risk-based capital ratio | 14.2700% | 4,882 |
| Memoranda: | ||
| Average total assets | $515,173,670 | 1,309 |
| Average earning assets | $467,751,000 | 1,318 |
| Average equity | $57,772,330 | 1,159 |
| Average total loans | $434,153,330 | 992 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7879% | 756 |
| Cost of funding earning assets | 1.0722% | 3,707 |
| Net interest margin | 4.7157% | 683 |
| Noninterest income to average assets | 0.8364% | 1,897 |
| Noninterest expense to average assets | 3.4550% | 2,130 |
| Loan and lease loss provision to assets | 0.7187% | 1,180 |
| Net operating income to assets | 0.7629% | 3,201 |
| Return on assets (ROA) | 0.7629% | 3,271 |
| Pretax return on assets | 0.9410% | 3,359 |
| Return on Equity (ROE) | 6.8713% | 3,453 |
| Retained earnings to average equity (ytd only) | 5.9993% | 2,633 |
| Net charge-offs to loans | 1.2266% | 1,135 |
| Credit loss provision to net charge-offs | 70.7317% | 3,342 |
| Earnings coverage of net charge-offs (x) | 1.6334% | 3,495 |
| Efficiency ratio | 67.5500% | 4,747 |
| Assets per employee ($millions) | 3.5377% | 4,907 |
| Cash dividends to net income (ytd only)* | 12.6904% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7241% | 3,261 |
| Loan loss allowance to noncurrent loans | 166.1578% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 2.4050% | 2,834 |
| Noncurrent loans to loans | 1.0377% | 4,984 |
| Net loans and leases to total assets | 78.7299% | 650 |
| Net loans and leases to deposits | 94.8666% | 757 |
| Net loans and leases to core deposits | 106.0131% | 936 |
| Total domestic deposits to total assets | 82.9901% | 4,937 |
| Equity capital to assets | 11.0798% | 2,613 |
| Core capital (leverage) ratio | 11.1195% | 2,102 |
| Tier 1 risk-based capital ratio | 13.6082% | 4,354 |
| Total risk-based capital ratio | 14.8641% | 4,317 |
| Memoranda: | ||
| Average total assets | $516,475,000 | 1,308 |
| Average earning assets | $468,566,000 | 1,316 |
| Average equity | $57,340,000 | 1,157 |
| Average total loans | $427,842,500 | 1,018 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4314% | 356 |
| Cost of funding earning assets | 1.3496% | 3,575 |
| Net interest margin | 5.0818% | 369 |
| Noninterest income to average assets | 0.9547% | 1,654 |
| Noninterest expense to average assets | 3.4897% | 2,209 |
| Loan and lease loss provision to assets | 1.0631% | 1,512 |
| Net operating income to assets | 0.7482% | 3,005 |
| Return on assets (ROA) | 0.7482% | 3,131 |
| Pretax return on assets | 1.0119% | 2,893 |
| Return on Equity (ROE) | 6.7964% | 3,219 |
| Retained earnings to average equity (ytd only) | 5.4436% | 2,153 |
| Net charge-offs to loans | 0.8741% | 2,444 |
| Credit loss provision to net charge-offs | 136.4424% | 2,812 |
| Earnings coverage of net charge-offs (x) | 2.6631% | 3,762 |
| Efficiency ratio | 62.7119% | 5,577 |
| Assets per employee ($millions) | 3.4892% | 4,956 |
| Cash dividends to net income (ytd only)* | 19.9045% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7234% | 3,126 |
| Loan loss allowance to noncurrent loans | 145.4074% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 2.4956% | 2,773 |
| Noncurrent loans to loans | 1.1852% | 4,737 |
| Net loans and leases to total assets | 84.1295% | 293 |
| Net loans and leases to deposits | 101.6069% | 501 |
| Net loans and leases to core deposits | 115.8418% | 648 |
| Total domestic deposits to total assets | 82.7990% | 4,882 |
| Equity capital to assets | 11.1248% | 2,574 |
| Core capital (leverage) ratio | 11.0456% | 2,126 |
| Tier 1 risk-based capital ratio | 12.8281% | 4,747 |
| Total risk-based capital ratio | 14.0840% | 4,707 |
| Memoranda: | ||
| Average total assets | $503,627,200 | 1,327 |
| Average earning assets | $456,867,200 | 1,340 |
| Average equity | $55,441,000 | 1,206 |
| Average total loans | $448,908,400 | 1,005 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4819% | 356 |
| Cost of funding earning assets | 1.3629% | 3,817 |
| Net interest margin | 5.1190% | 343 |
| Noninterest income to average assets | 0.9628% | 1,573 |
| Noninterest expense to average assets | 3.4046% | 2,278 |
| Loan and lease loss provision to assets | 1.2104% | 1,177 |
| Net operating income to assets | 0.7458% | 3,224 |
| Return on assets (ROA) | 0.7458% | 3,389 |
| Pretax return on assets | 0.9939% | 3,206 |
| Return on Equity (ROE) | 6.7929% | 3,432 |
| Retained earnings to average equity (ytd only) | 5.6422% | 2,572 |
| Net charge-offs to loans | 0.9408% | 2,113 |
| Credit loss provision to net charge-offs | 142.8885% | 2,752 |
| Earnings coverage of net charge-offs (x) | 2.6022% | 3,849 |
| Efficiency ratio | 60.6999% | 5,838 |
| Assets per employee ($millions) | 3.4896% | 5,009 |
| Cash dividends to net income (ytd only)* | 16.9402% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6569% | 3,310 |
| Loan loss allowance to noncurrent loans | 128.2783% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 2.8336% | 2,559 |
| Noncurrent loans to loans | 1.2917% | 4,699 |
| Net loans and leases to total assets | 87.4054% | 127 |
| Net loans and leases to deposits | 107.0530% | 322 |
| Net loans and leases to core deposits | 124.3553% | 490 |
| Total domestic deposits to total assets | 81.6469% | 5,146 |
| Equity capital to assets | 11.0642% | 2,897 |
| Core capital (leverage) ratio | 11.0690% | 2,212 |
| Tier 1 risk-based capital ratio | 12.1159% | 5,350 |
| Total risk-based capital ratio | 13.3708% | 5,307 |
| Memoranda: | ||
| Average total assets | $501,307,500 | 1,349 |
| Average earning assets | $455,002,000 | 1,362 |
| Average equity | $55,036,250 | 1,214 |
| Average total loans | $451,367,500 | 1,003 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4615% | 360 |
| Cost of funding earning assets | 1.4259% | 3,711 |
| Net interest margin | 5.0356% | 391 |
| Noninterest income to average assets | 0.9326% | 1,573 |
| Noninterest expense to average assets | 3.3282% | 2,473 |
| Loan and lease loss provision to assets | 1.4569% | 913 |
| Net operating income to assets | 0.4212% | 4,657 |
| Return on assets (ROA) | 0.4212% | 4,811 |
| Pretax return on assets | 0.7233% | 4,158 |
| Return on Equity (ROE) | 3.8468% | 4,849 |
| Retained earnings to average equity (ytd only) | 2.9309% | 4,265 |
| Net charge-offs to loans | 1.1010% | 1,718 |
| Credit loss provision to net charge-offs | 146.3336% | 2,703 |
| Earnings coverage of net charge-offs (x) | 2.1898% | 3,922 |
| Efficiency ratio | 60.4209% | 5,975 |
| Assets per employee ($millions) | 3.3374% | 5,337 |
| Cash dividends to net income (ytd only)* | 23.8095% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5965% | 3,459 |
| Loan loss allowance to noncurrent loans | 106.5672% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 2.6001% | 2,789 |
| Noncurrent loans to loans | 1.4981% | 4,457 |
| Net loans and leases to total assets | 89.7098% | 86 |
| Net loans and leases to deposits | 109.9794% | 277 |
| Net loans and leases to core deposits | 128.8388% | 438 |
| Total domestic deposits to total assets | 81.5697% | 5,170 |
| Equity capital to assets | 10.9554% | 2,911 |
| Core capital (leverage) ratio | 11.0042% | 2,243 |
| Tier 1 risk-based capital ratio | 11.8552% | 5,443 |
| Total risk-based capital ratio | 13.1095% | 5,406 |
| Memoranda: | ||
| Average total assets | $498,580,670 | 1,362 |
| Average earning assets | $453,054,330 | 1,373 |
| Average equity | $54,591,330 | 1,215 |
| Average total loans | $450,882,330 | 1,013 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3744% | 462 |
| Cost of funding earning assets | 1.4643% | 3,780 |
| Net interest margin | 4.9101% | 505 |
| Noninterest income to average assets | 0.9020% | 1,616 |
| Noninterest expense to average assets | 3.4480% | 2,114 |
| Loan and lease loss provision to assets | 0.7500% | 1,696 |
| Net operating income to assets | 0.7798% | 3,062 |
| Return on assets (ROA) | 0.7798% | 3,170 |
| Pretax return on assets | 1.1625% | 2,500 |
| Return on Equity (ROE) | 7.1238% | 3,280 |
| Retained earnings to average equity (ytd only) | 6.2058% | 2,522 |
| Net charge-offs to loans | 0.3606% | 2,971 |
| Credit loss provision to net charge-offs | 230.9406% | 1,650 |
| Earnings coverage of net charge-offs (x) | 5.8886% | 2,317 |
| Efficiency ratio | 64.3221% | 5,433 |
| Assets per employee ($millions) | 3.3910% | 5,313 |
| Cash dividends to net income (ytd only)* | 12.8866% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 3,936 |
| Loan loss allowance to noncurrent loans | 66.8070% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 3.0266% | 2,366 |
| Noncurrent loans to loans | 2.2362% | 3,477 |
| Net loans and leases to total assets | 88.1758% | 117 |
| Net loans and leases to deposits | 108.7172% | 322 |
| Net loans and leases to core deposits | 127.9287% | 539 |
| Total domestic deposits to total assets | 81.1056% | 5,422 |
| Equity capital to assets | 11.0108% | 2,749 |
| Core capital (leverage) ratio | 11.0884% | 2,172 |
| Tier 1 risk-based capital ratio | 12.0221% | 5,176 |
| Total risk-based capital ratio | 13.2748% | 5,132 |
| Memoranda: | ||
| Average total assets | $497,569,000 | 1,396 |
| Average earning assets | $451,808,000 | 1,402 |
| Average equity | $54,465,500 | 1,226 |
| Average total loans | $448,135,000 | 1,044 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8702% | 337 |
| Cost of funding earning assets | 1.6502% | 4,789 |
| Net interest margin | 5.2200% | 279 |
| Noninterest income to average assets | 0.9511% | 1,745 |
| Noninterest expense to average assets | 3.4970% | 2,381 |
| Loan and lease loss provision to assets | 0.5494% | 3,621 |
| Net operating income to assets | 1.1063% | 1,494 |
| Return on assets (ROA) | 1.1063% | 1,528 |
| Pretax return on assets | 1.6462% | 873 |
| Return on Equity (ROE) | 10.8119% | 1,475 |
| Retained earnings to average equity (ytd only) | 8.6760% | 548 |
| Net charge-offs to loans | 0.5195% | 3,697 |
| Credit loss provision to net charge-offs | 118.7722% | 4,527 |
| Earnings coverage of net charge-offs (x) | 4.7464% | 2,832 |
| Efficiency ratio | 61.4300% | 6,254 |
| Assets per employee ($millions) | 3.4253% | 5,194 |
| Cash dividends to net income (ytd only)* | 19.7545% | 3,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3636% | 4,414 |
| Loan loss allowance to noncurrent loans | 57.4787% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 3.2084% | 2,143 |
| Noncurrent loans to loans | 2.3723% | 3,202 |
| Net loans and leases to total assets | 89.3831% | 112 |
| Net loans and leases to deposits | 111.9099% | 320 |
| Net loans and leases to core deposits | 145.6761% | 616 |
| Total domestic deposits to total assets | 79.8706% | 5,709 |
| Equity capital to assets | 10.8816% | 2,791 |
| Core capital (leverage) ratio | 11.0397% | 2,204 |
| Tier 1 risk-based capital ratio | 11.7096% | 5,187 |
| Total risk-based capital ratio | 12.9607% | 5,148 |
| Memoranda: | ||
| Average total assets | $485,962,200 | 1,424 |
| Average earning assets | $441,414,200 | 1,429 |
| Average equity | $49,723,200 | 1,354 |
| Average total loans | $432,692,400 | 1,108 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8217% | 400 |
| Cost of funding earning assets | 1.6968% | 4,917 |
| Net interest margin | 5.1248% | 342 |
| Noninterest income to average assets | 0.9270% | 1,874 |
| Noninterest expense to average assets | 3.5194% | 2,229 |
| Loan and lease loss provision to assets | 0.4770% | 3,524 |
| Net operating income to assets | 1.0186% | 1,994 |
| Return on assets (ROA) | 1.0186% | 2,064 |
| Pretax return on assets | 1.5899% | 1,193 |
| Return on Equity (ROE) | 10.1198% | 1,873 |
| Retained earnings to average equity (ytd only) | 7.5515% | 1,294 |
| Net charge-offs to loans | 0.3355% | 3,961 |
| Credit loss provision to net charge-offs | 160.3896% | 2,958 |
| Earnings coverage of net charge-offs (x) | 6.9499% | 2,507 |
| Efficiency ratio | 63.0006% | 5,923 |
| Assets per employee ($millions) | 3.4344% | 5,090 |
| Cash dividends to net income (ytd only)* | 25.3792% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3967% | 3,965 |
| Loan loss allowance to noncurrent loans | 92.8394% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 2.3658% | 2,909 |
| Noncurrent loans to loans | 1.5044% | 4,402 |
| Net loans and leases to total assets | 90.8743% | 84 |
| Net loans and leases to deposits | 119.0238% | 221 |
| Net loans and leases to core deposits | 155.1165% | 476 |
| Total domestic deposits to total assets | 76.3497% | 6,514 |
| Equity capital to assets | 10.6129% | 3,387 |
| Core capital (leverage) ratio | 10.8552% | 2,523 |
| Tier 1 risk-based capital ratio | 11.2765% | 5,651 |
| Total risk-based capital ratio | 12.5281% | 5,602 |
| Memoranda: | ||
| Average total assets | $483,287,250 | 1,447 |
| Average earning assets | $439,392,250 | 1,448 |
| Average equity | $48,642,750 | 1,405 |
| Average total loans | $428,348,250 | 1,138 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7862% | 464 |
| Cost of funding earning assets | 1.7733% | 4,894 |
| Net interest margin | 5.0129% | 416 |
| Noninterest income to average assets | 0.9363% | 1,812 |
| Noninterest expense to average assets | 3.4308% | 2,535 |
| Loan and lease loss provision to assets | 0.4550% | 3,255 |
| Net operating income to assets | 1.0289% | 2,008 |
| Return on assets (ROA) | 1.0289% | 2,090 |
| Pretax return on assets | 1.5991% | 1,208 |
| Return on Equity (ROE) | 10.4177% | 1,877 |
| Retained earnings to average equity (ytd only) | 8.0445% | 1,193 |
| Net charge-offs to loans | 0.3473% | 3,450 |
| Credit loss provision to net charge-offs | 149.8626% | 3,086 |
| Earnings coverage of net charge-offs (x) | 6.7651% | 2,552 |
| Efficiency ratio | 62.5504% | 6,159 |
| Assets per employee ($millions) | 3.2877% | 5,353 |
| Cash dividends to net income (ytd only)* | 22.7807% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3755% | 3,860 |
| Loan loss allowance to noncurrent loans | 179.8757% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 1.7577% | 3,540 |
| Noncurrent loans to loans | 0.7647% | 5,711 |
| Net loans and leases to total assets | 90.7899% | 101 |
| Net loans and leases to deposits | 123.3629% | 187 |
| Net loans and leases to core deposits | 154.1028% | 557 |
| Total domestic deposits to total assets | 73.5958% | 7,024 |
| Equity capital to assets | 10.7571% | 3,155 |
| Core capital (leverage) ratio | 10.9190% | 2,470 |
| Tier 1 risk-based capital ratio | 11.4058% | 5,490 |
| Total risk-based capital ratio | 12.6571% | 5,403 |
| Memoranda: | ||
| Average total assets | $479,534,000 | 1,481 |
| Average earning assets | $435,120,670 | 1,482 |
| Average equity | $47,361,670 | 1,455 |
| Average total loans | $419,203,670 | 1,189 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7108% | 570 |
| Cost of funding earning assets | 1.8224% | 5,010 |
| Net interest margin | 4.8883% | 513 |
| Noninterest income to average assets | 0.8721% | 1,974 |
| Noninterest expense to average assets | 3.3516% | 2,491 |
| Loan and lease loss provision to assets | 0.3839% | 3,023 |
| Net operating income to assets | 0.9631% | 2,468 |
| Return on assets (ROA) | 0.9631% | 2,595 |
| Pretax return on assets | 1.5623% | 1,504 |
| Return on Equity (ROE) | 10.2067% | 2,238 |
| Retained earnings to average equity (ytd only) | 7.9956% | 1,819 |
| Net charge-offs to loans | 0.1736% | 3,593 |
| Credit loss provision to net charge-offs | 259.8870% | 1,818 |
| Earnings coverage of net charge-offs (x) | 13.1751% | 1,748 |
| Efficiency ratio | 63.2640% | 5,822 |
| Assets per employee ($millions) | 3.1436% | 5,759 |
| Cash dividends to net income (ytd only)* | 21.6638% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4570% | 3,190 |
| Loan loss allowance to noncurrent loans | 122.4832% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 1.8387% | 3,159 |
| Noncurrent loans to loans | 1.1895% | 4,591 |
| Net loans and leases to total assets | 84.9006% | 559 |
| Net loans and leases to deposits | 114.0739% | 444 |
| Net loans and leases to core deposits | 145.5931% | 884 |
| Total domestic deposits to total assets | 74.4259% | 6,814 |
| Equity capital to assets | 10.5966% | 3,372 |
| Core capital (leverage) ratio | 10.5462% | 2,876 |
| Tier 1 risk-based capital ratio | 11.8015% | 5,125 |
| Total risk-based capital ratio | 13.0535% | 5,038 |
| Memoranda: | ||
| Average total assets | $479,297,500 | 1,490 |
| Average earning assets | $433,930,000 | 1,495 |
| Average equity | $45,225,000 | 1,522 |
| Average total loans | $407,867,500 | 1,236 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2485% | 662 |
| Cost of funding earning assets | 2.4418% | 4,518 |
| Net interest margin | 4.8067% | 773 |
| Noninterest income to average assets | 0.9694% | 1,692 |
| Noninterest expense to average assets | 3.7264% | 1,898 |
| Loan and lease loss provision to assets | 0.2334% | 4,565 |
| Net operating income to assets | 0.9265% | 2,890 |
| Return on assets (ROA) | 0.9265% | 2,744 |
| Pretax return on assets | 1.3454% | 2,151 |
| Return on Equity (ROE) | 11.1086% | 1,868 |
| Retained earnings to average equity (ytd only) | 5.7516% | 1,641 |
| Net charge-offs to loans | 0.2365% | 3,884 |
| Credit loss provision to net charge-offs | 119.6648% | 4,494 |
| Earnings coverage of net charge-offs (x) | 8.0939% | 2,941 |
| Efficiency ratio | 70.2407% | 4,305 |
| Assets per employee ($millions) | 3.0818% | 5,829 |
| Cash dividends to net income (ytd only)* | 48.2239% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4144% | 3,112 |
| Loan loss allowance to noncurrent loans | 209.5710% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 1.3352% | 3,544 |
| Noncurrent loans to loans | 0.6749% | 5,346 |
| Net loans and leases to total assets | 82.8558% | 1,068 |
| Net loans and leases to deposits | 110.9938% | 768 |
| Net loans and leases to core deposits | 135.3733% | 1,518 |
| Total domestic deposits to total assets | 74.6490% | 6,529 |
| Equity capital to assets | 8.2818% | 6,444 |
| Core capital (leverage) ratio | 8.3041% | 5,942 |
| Tier 1 risk-based capital ratio | 9.2787% | 7,544 |
| Total risk-based capital ratio | 10.5300% | 7,468 |
| Memoranda: | ||
| Average total assets | $458,829,200 | 1,493 |
| Average earning assets | $413,881,200 | 1,515 |
| Average equity | $38,267,800 | 1,764 |
| Average total loans | $378,464,000 | 1,283 |