Home > Adirondack Bank > Performance and Condition Ratios
Adirondack Bank, Performance and Condition Ratios
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2045% | 3,457 |
| Cost of funding earning assets | 0.3656% | 4,295 |
| Net interest margin | 3.8389% | 1,517 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 3.4450% | 590 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5224% | 3,715 |
| Return on assets (ROA) | 0.5224% | 3,701 |
| Pretax return on assets | 0.6294% | 3,684 |
| Return on Equity (ROE) | 8.5600% | 3,042 |
| Retained earnings to average equity (ytd only) | 7.4036% | 2,173 |
| Net charge-offs to loans | 0.0330% | 1,426 |
| Credit loss provision to net charge-offs | 4.6980% | 2,046 |
| Earnings coverage of net charge-offs (x) | 30.7785% | 1,581 |
| Efficiency ratio | 84.5334% | 583 |
| Assets per employee ($millions) | 4.7513% | 3,773 |
| Cash dividends to net income (ytd only)* | 13.5228% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7034% | 4,134 |
| Loan loss allowance to noncurrent loans | 72.8075% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 0.6169% | 948 |
| Noncurrent loans to loans | 0.9661% | 852 |
| Net loans and leases to total assets | 63.4100% | 2,517 |
| Net loans and leases to deposits | 70.3167% | 2,824 |
| Net loans and leases to core deposits | 77.9814% | 2,742 |
| Total domestic deposits to total assets | 90.1800% | 896 |
| Equity capital to assets | 5.9063% | 4,021 |
| Core capital (leverage) ratio | 8.2644% | 4,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9737% | 1,108 |
| Memoranda: | ||
| Average total assets | $970,072,500 | 1,012 |
| Average earning assets | $901,877,000 | 999 |
| Average equity | $59,194,750 | 1,396 |
| Average total loans | $601,766,500 | 1,088 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1530% | 3,387 |
| Cost of funding earning assets | 0.2379% | 4,390 |
| Net interest margin | 3.9151% | 1,395 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 3.4551% | 569 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5721% | 3,650 |
| Return on assets (ROA) | 0.5721% | 3,655 |
| Pretax return on assets | 0.6893% | 3,623 |
| Return on Equity (ROE) | 9.2800% | 2,897 |
| Retained earnings to average equity (ytd only) | 8.1573% | 1,915 |
| Net charge-offs to loans | 0.0346% | 1,202 |
| Credit loss provision to net charge-offs | 6.7961% | 1,806 |
| Earnings coverage of net charge-offs (x) | 32.4854% | 1,513 |
| Efficiency ratio | 83.3383% | 635 |
| Assets per employee ($millions) | 4.9684% | 3,623 |
| Cash dividends to net income (ytd only)* | 12.0534% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7231% | 4,145 |
| Loan loss allowance to noncurrent loans | 72.2504% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 0.6362% | 837 |
| Noncurrent loans to loans | 1.0009% | 756 |
| Net loans and leases to total assets | 62.6500% | 2,516 |
| Net loans and leases to deposits | 69.7082% | 2,805 |
| Net loans and leases to core deposits | 76.9191% | 2,695 |
| Total domestic deposits to total assets | 89.8700% | 960 |
| Equity capital to assets | 6.2031% | 4,099 |
| Core capital (leverage) ratio | 8.1579% | 4,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8437% | 1,149 |
| Memoranda: | ||
| Average total assets | $968,758,333 | 1,006 |
| Average earning assets | $901,328,667 | 994 |
| Average equity | $59,750,333 | 1,391 |
| Average total loans | $595,022,333 | 1,084 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0454% | 3,367 |
| Cost of funding earning assets | 0.1597% | 4,441 |
| Net interest margin | 3.8857% | 1,505 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 3.4809% | 552 |
| Loan and lease loss provision to assets | -0.0300% | 4,479 |
| Net operating income to assets | 0.5707% | 3,744 |
| Return on assets (ROA) | 0.5707% | 3,713 |
| Pretax return on assets | 0.6875% | 3,691 |
| Return on Equity (ROE) | 9.2800% | 2,975 |
| Retained earnings to average equity (ytd only) | 8.1911% | 2,166 |
| Net charge-offs to loans | 0.0252% | 1,183 |
| Credit loss provision to net charge-offs | -183.7838% | 4,603 |
| Earnings coverage of net charge-offs (x) | 43.1622% | 1,158 |
| Efficiency ratio | 84.0730% | 588 |
| Assets per employee ($millions) | 5.0674% | 3,608 |
| Cash dividends to net income (ytd only)* | 11.7221% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7456% | 4,185 |
| Loan loss allowance to noncurrent loans | 67.4618% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 0.6781% | 729 |
| Noncurrent loans to loans | 1.1052% | 644 |
| Net loans and leases to total assets | 59.7400% | 2,686 |
| Net loans and leases to deposits | 65.6442% | 2,962 |
| Net loans and leases to core deposits | 70.5035% | 2,920 |
| Total domestic deposits to total assets | 91.0100% | 800 |
| Equity capital to assets | 6.3560% | 4,076 |
| Core capital (leverage) ratio | 8.0059% | 4,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9232% | 1,165 |
| Memoranda: | ||
| Average total assets | $968,719,000 | 1,021 |
| Average earning assets | $901,963,500 | 1,008 |
| Average equity | $59,576,500 | 1,402 |
| Average total loans | $586,856,500 | 1,108 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2593% | 3,688 |
| Cost of funding earning assets | 0.1203% | 4,279 |
| Net interest margin | 3.1390% | 3,065 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 3.0550% | 892 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3748% | 4,275 |
| Return on assets (ROA) | 0.3748% | 4,242 |
| Pretax return on assets | 0.4324% | 4,244 |
| Return on Equity (ROE) | 5.9500% | 3,838 |
| Retained earnings to average equity (ytd only) | 5.3229% | 2,911 |
| Net charge-offs to loans | -0.0719% | 4,440 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 87.6007% | 372 |
| Assets per employee ($millions) | 4.7718% | 3,839 |
| Cash dividends to net income (ytd only)* | 10.5800% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7762% | 4,084 |
| Loan loss allowance to noncurrent loans | 58.4876% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 0.8224% | 572 |
| Noncurrent loans to loans | 1.3271% | 516 |
| Net loans and leases to total assets | 60.5100% | 2,595 |
| Net loans and leases to deposits | 70.1085% | 2,573 |
| Net loans and leases to core deposits | 74.4676% | 2,533 |
| Total domestic deposits to total assets | 86.3000% | 2,639 |
| Equity capital to assets | 5.9378% | 4,112 |
| Core capital (leverage) ratio | 7.7789% | 4,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3245% | 1,283 |
| Memoranda: | ||
| Average total assets | $993,484,200 | 984 |
| Average earning assets | $936,917,200 | 962 |
| Average equity | $62,559,800 | 1,352 |
| Average total loans | $550,420,600 | 1,104 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0328% | 3,826 |
| Cost of funding earning assets | 0.1192% | 4,134 |
| Net interest margin | 2.9137% | 3,455 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 2.9409% | 990 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2897% | 4,393 |
| Return on assets (ROA) | 0.2897% | 4,351 |
| Pretax return on assets | 0.3490% | 4,331 |
| Return on Equity (ROE) | 4.5400% | 4,073 |
| Retained earnings to average equity (ytd only) | 3.9999% | 3,443 |
| Net charge-offs to loans | -0.1143% | 4,526 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 89.3920% | 338 |
| Assets per employee ($millions) | 5.2983% | 3,417 |
| Cash dividends to net income (ytd only)* | 11.8807% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8083% | 4,074 |
| Loan loss allowance to noncurrent loans | 56.9619% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 0.8080% | 619 |
| Noncurrent loans to loans | 1.4191% | 501 |
| Net loans and leases to total assets | 55.6100% | 2,943 |
| Net loans and leases to deposits | 62.8089% | 2,960 |
| Net loans and leases to core deposits | 66.6641% | 2,903 |
| Total domestic deposits to total assets | 88.5400% | 2,261 |
| Equity capital to assets | 5.5028% | 4,130 |
| Core capital (leverage) ratio | 7.6368% | 4,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5787% | 1,268 |
| Memoranda: | ||
| Average total assets | $1,003,265,750 | 986 |
| Average earning assets | $949,711,250 | 960 |
| Average equity | $64,032,750 | 1,348 |
| Average total loans | $542,535,750 | 1,110 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8472% | 3,901 |
| Cost of funding earning assets | 0.1236% | 3,920 |
| Net interest margin | 2.7236% | 3,656 |
| Noninterest income to average assets | 0.5514% | 1,942 |
| Noninterest expense to average assets | 2.9129% | 971 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1829% | 4,443 |
| Return on assets (ROA) | 0.1829% | 4,405 |
| Pretax return on assets | 0.2203% | 4,388 |
| Return on Equity (ROE) | 2.7389% | 4,256 |
| Retained earnings to average equity (ytd only) | 2.2809% | 3,674 |
| Net charge-offs to loans | -0.2216% | 4,606 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9684% | 324 |
| Assets per employee ($millions) | 5.2695% | 3,457 |
| Cash dividends to net income (ytd only)* | 16.7213% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8663% | 4,044 |
| Loan loss allowance to noncurrent loans | 56.2679% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 0.8582% | 601 |
| Noncurrent loans to loans | 1.5397% | 483 |
| Net loans and leases to total assets | 54.4384% | 2,917 |
| Net loans and leases to deposits | 61.8997% | 2,894 |
| Net loans and leases to core deposits | 65.4724% | 2,859 |
| Total domestic deposits to total assets | 87.9462% | 2,596 |
| Equity capital to assets | 6.1057% | 4,175 |
| Core capital (leverage) ratio | 7.3713% | 4,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1053% | 1,161 |
| Memoranda: | ||
| Average total assets | $1,000,362,667 | 979 |
| Average earning assets | $948,298,000 | 962 |
| Average equity | $66,814,667 | 1,331 |
| Average total loans | $534,266,333 | 1,115 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7147% | 3,918 |
| Cost of funding earning assets | 0.1387% | 3,646 |
| Net interest margin | 2.5760% | 3,715 |
| Noninterest income to average assets | 0.5770% | 1,795 |
| Noninterest expense to average assets | 2.8631% | 1,034 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1325% | 4,429 |
| Return on assets (ROA) | 0.1325% | 4,400 |
| Pretax return on assets | 0.1596% | 4,376 |
| Return on Equity (ROE) | 1.9034% | 4,275 |
| Retained earnings to average equity (ytd only) | 1.4976% | 3,695 |
| Net charge-offs to loans | -0.4193% | 4,698 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7209% | 370 |
| Assets per employee ($millions) | 5.6260% | 3,206 |
| Cash dividends to net income (ytd only)* | 21.3213% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 4,083 |
| Loan loss allowance to noncurrent loans | 63.8449% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 0.7081% | 801 |
| Noncurrent loans to loans | 1.3854% | 619 |
| Net loans and leases to total assets | 49.8063% | 3,195 |
| Net loans and leases to deposits | 58.9042% | 2,997 |
| Net loans and leases to core deposits | 61.8338% | 2,984 |
| Total domestic deposits to total assets | 84.5547% | 3,646 |
| Equity capital to assets | 6.3153% | 4,492 |
| Core capital (leverage) ratio | 7.3336% | 4,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4842% | 1,148 |
| Memoranda: | ||
| Average total assets | $1,005,214,500 | 975 |
| Average earning assets | $954,360,000 | 959 |
| Average equity | $69,978,500 | 1,331 |
| Average total loans | $529,393,500 | 1,117 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7327% | 4,280 |
| Cost of funding earning assets | 0.1860% | 3,589 |
| Net interest margin | 2.5467% | 4,128 |
| Noninterest income to average assets | 0.5551% | 2,340 |
| Noninterest expense to average assets | 2.6645% | 1,727 |
| Loan and lease loss provision to assets | -0.0785% | 4,475 |
| Net operating income to assets | 0.3308% | 4,384 |
| Return on assets (ROA) | 0.3308% | 4,404 |
| Pretax return on assets | 0.3961% | 4,393 |
| Return on Equity (ROE) | 4.5870% | 4,090 |
| Retained earnings to average equity (ytd only) | 4.1981% | 3,140 |
| Net charge-offs to loans | 0.1845% | 524 |
| Credit loss provision to net charge-offs | -79.8403% | 3,324 |
| Earnings coverage of net charge-offs (x) | 3.2325% | 2,556 |
| Efficiency ratio | 89.3478% | 349 |
| Assets per employee ($millions) | 5.3243% | 3,452 |
| Cash dividends to net income (ytd only)* | 8.4791% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7774% | 4,302 |
| Loan loss allowance to noncurrent loans | 55.6967% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 0.7899% | 760 |
| Noncurrent loans to loans | 1.3957% | 668 |
| Net loans and leases to total assets | 54.8847% | 2,741 |
| Net loans and leases to deposits | 65.1727% | 2,582 |
| Net loans and leases to core deposits | 67.8401% | 2,662 |
| Total domestic deposits to total assets | 84.2142% | 3,500 |
| Equity capital to assets | 7.6710% | 4,516 |
| Core capital (leverage) ratio | 7.2296% | 4,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8222% | 1,085 |
| Memoranda: | ||
| Average total assets | $1,019,623,400 | 945 |
| Average earning assets | $971,725,800 | 927 |
| Average equity | $73,533,400 | 1,294 |
| Average total loans | $543,194,200 | 1,095 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7057% | 4,400 |
| Cost of funding earning assets | 0.1932% | 3,687 |
| Net interest margin | 2.5125% | 4,255 |
| Noninterest income to average assets | 0.5348% | 2,478 |
| Noninterest expense to average assets | 2.5816% | 1,893 |
| Loan and lease loss provision to assets | -0.1031% | 4,613 |
| Net operating income to assets | 0.3856% | 4,391 |
| Return on assets (ROA) | 0.3856% | 4,427 |
| Pretax return on assets | 0.4536% | 4,426 |
| Return on Equity (ROE) | 5.4266% | 4,034 |
| Retained earnings to average equity (ytd only) | 5.0368% | 3,203 |
| Net charge-offs to loans | 0.1486% | 554 |
| Credit loss provision to net charge-offs | -131.3629% | 3,278 |
| Earnings coverage of net charge-offs (x) | 4.4680% | 2,266 |
| Efficiency ratio | 88.0448% | 372 |
| Assets per employee ($millions) | 5.7728% | 2,923 |
| Cash dividends to net income (ytd only)* | 7.1834% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8689% | 4,231 |
| Loan loss allowance to noncurrent loans | 47.5608% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 0.9257% | 731 |
| Noncurrent loans to loans | 1.8269% | 521 |
| Net loans and leases to total assets | 48.4852% | 3,578 |
| Net loans and leases to deposits | 58.6084% | 3,352 |
| Net loans and leases to core deposits | 62.7755% | 3,241 |
| Total domestic deposits to total assets | 82.7275% | 3,773 |
| Equity capital to assets | 7.0540% | 4,803 |
| Core capital (leverage) ratio | 6.9539% | 4,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5958% | 1,025 |
| Memoranda: | ||
| Average total assets | $1,034,936,000 | 948 |
| Average earning assets | $987,534,500 | 925 |
| Average equity | $73,537,500 | 1,314 |
| Average total loans | $546,462,500 | 1,111 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7646% | 4,393 |
| Cost of funding earning assets | 0.2041% | 3,710 |
| Net interest margin | 2.5605% | 4,235 |
| Noninterest income to average assets | 0.5375% | 2,455 |
| Noninterest expense to average assets | 2.5899% | 1,888 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3301% | 4,488 |
| Return on assets (ROA) | 0.3301% | 4,512 |
| Pretax return on assets | 0.3913% | 4,509 |
| Return on Equity (ROE) | 4.6337% | 4,204 |
| Retained earnings to average equity (ytd only) | 4.2395% | 3,444 |
| Net charge-offs to loans | 0.2171% | 400 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 3.3284% | 2,078 |
| Efficiency ratio | 86.8746% | 441 |
| Assets per employee ($millions) | 5.8536% | 2,758 |
| Cash dividends to net income (ytd only)* | 8.5056% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 3,919 |
| Loan loss allowance to noncurrent loans | 49.3232% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 1.0561% | 707 |
| Noncurrent loans to loans | 1.9704% | 503 |
| Net loans and leases to total assets | 51.4475% | 3,404 |
| Net loans and leases to deposits | 61.5088% | 3,248 |
| Net loans and leases to core deposits | 65.8665% | 3,120 |
| Total domestic deposits to total assets | 83.6425% | 3,534 |
| Equity capital to assets | 6.9959% | 4,847 |
| Core capital (leverage) ratio | 6.7924% | 4,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9561% | 1,130 |
| Memoranda: | ||
| Average total assets | $1,025,847,333 | 949 |
| Average earning assets | $979,026,000 | 922 |
| Average equity | $73,074,000 | 1,316 |
| Average total loans | $555,441,667 | 1,102 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8566% | 4,308 |
| Cost of funding earning assets | 0.2070% | 3,853 |
| Net interest margin | 2.6496% | 4,058 |
| Noninterest income to average assets | 0.5514% | 2,400 |
| Noninterest expense to average assets | 2.6167% | 1,843 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3882% | 4,382 |
| Return on assets (ROA) | 0.3882% | 4,409 |
| Pretax return on assets | 0.4645% | 4,401 |
| Return on Equity (ROE) | 5.3990% | 4,007 |
| Retained earnings to average equity (ytd only) | 5.0031% | 3,221 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9262% | 554 |
| Assets per employee ($millions) | 6.1405% | 2,467 |
| Cash dividends to net income (ytd only)* | 7.3320% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0466% | 3,667 |
| Loan loss allowance to noncurrent loans | 50.5548% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 1.1286% | 688 |
| Noncurrent loans to loans | 2.0702% | 511 |
| Net loans and leases to total assets | 52.4140% | 3,402 |
| Net loans and leases to deposits | 63.4296% | 3,174 |
| Net loans and leases to core deposits | 67.5214% | 3,101 |
| Total domestic deposits to total assets | 82.6333% | 3,776 |
| Equity capital to assets | 6.7835% | 4,880 |
| Core capital (leverage) ratio | 7.1181% | 4,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0446% | 1,065 |
| Memoranda: | ||
| Average total assets | $1,011,943,500 | 947 |
| Average earning assets | $966,177,500 | 921 |
| Average equity | $72,754,500 | 1,314 |
| Average total loans | $559,463,000 | 1,100 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5084% | 4,014 |
| Cost of funding earning assets | 0.4203% | 3,457 |
| Net interest margin | 3.0881% | 3,661 |
| Noninterest income to average assets | 0.5999% | 2,214 |
| Noninterest expense to average assets | 2.7488% | 2,079 |
| Loan and lease loss provision to assets | 0.3298% | 1,090 |
| Net operating income to assets | 0.3282% | 4,395 |
| Return on assets (ROA) | 0.3555% | 4,406 |
| Pretax return on assets | 0.4182% | 4,389 |
| Return on Equity (ROE) | 4.6191% | 3,999 |
| Retained earnings to average equity (ytd only) | 4.0440% | 2,799 |
| Net charge-offs to loans | -0.0038% | 4,070 |
| Credit loss provision to net charge-offs | -14,476.1905% | 4,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3374% | 936 |
| Assets per employee ($millions) | 5.1926% | 3,171 |
| Cash dividends to net income (ytd only)* | 12.4504% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0711% | 3,593 |
| Loan loss allowance to noncurrent loans | 47.7507% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.3256% | 601 |
| Noncurrent loans to loans | 2.2431% | 476 |
| Net loans and leases to total assets | 57.2579% | 3,170 |
| Net loans and leases to deposits | 70.6697% | 2,809 |
| Net loans and leases to core deposits | 76.0454% | 2,723 |
| Total domestic deposits to total assets | 81.0219% | 3,866 |
| Equity capital to assets | 7.6437% | 4,813 |
| Core capital (leverage) ratio | 7.1780% | 4,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3404% | 991 |
| Memoranda: | ||
| Average total assets | $921,769,800 | 950 |
| Average earning assets | $855,108,200 | 944 |
| Average equity | $70,944,800 | 1,280 |
| Average total loans | $552,554,000 | 1,051 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5973% | 4,014 |
| Cost of funding earning assets | 0.4443% | 3,554 |
| Net interest margin | 3.1530% | 3,612 |
| Noninterest income to average assets | 0.5661% | 2,321 |
| Noninterest expense to average assets | 2.7143% | 2,216 |
| Loan and lease loss provision to assets | 0.4437% | 738 |
| Net operating income to assets | 0.2660% | 4,498 |
| Return on assets (ROA) | 0.3028% | 4,490 |
| Pretax return on assets | 0.3559% | 4,481 |
| Return on Equity (ROE) | 3.9266% | 4,176 |
| Retained earnings to average equity (ytd only) | 3.2924% | 3,395 |
| Net charge-offs to loans | -0.0010% | 3,811 |
| Credit loss provision to net charge-offs | -76,000.0000% | 4,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2049% | 1,014 |
| Assets per employee ($millions) | 5.5932% | 2,628 |
| Cash dividends to net income (ytd only)* | 16.1524% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0341% | 3,541 |
| Loan loss allowance to noncurrent loans | 58.4695% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 1.0235% | 1,072 |
| Noncurrent loans to loans | 1.7687% | 757 |
| Net loans and leases to total assets | 55.8295% | 3,640 |
| Net loans and leases to deposits | 68.6794% | 3,415 |
| Net loans and leases to core deposits | 77.9366% | 3,014 |
| Total domestic deposits to total assets | 81.2900% | 3,590 |
| Equity capital to assets | 7.1002% | 4,937 |
| Core capital (leverage) ratio | 7.1558% | 4,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4488% | 1,147 |
| Memoranda: | ||
| Average total assets | $913,353,000 | 943 |
| Average earning assets | $841,413,500 | 941 |
| Average equity | $70,423,250 | 1,274 |
| Average total loans | $552,446,000 | 1,046 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8280% | 3,790 |
| Cost of funding earning assets | 0.4853% | 3,622 |
| Net interest margin | 3.3427% | 3,262 |
| Noninterest income to average assets | 0.5043% | 2,542 |
| Noninterest expense to average assets | 2.6987% | 2,385 |
| Loan and lease loss provision to assets | 0.6906% | 406 |
| Net operating income to assets | 0.1308% | 4,651 |
| Return on assets (ROA) | 0.1783% | 4,643 |
| Pretax return on assets | 0.2095% | 4,624 |
| Return on Equity (ROE) | 2.2449% | 4,486 |
| Retained earnings to average equity (ytd only) | 1.5099% | 3,931 |
| Net charge-offs to loans | 0.0088% | 2,629 |
| Credit loss provision to net charge-offs | 12,666.6667% | 95 |
| Earnings coverage of net charge-offs (x) | 154.8333% | 523 |
| Efficiency ratio | 76.1718% | 1,248 |
| Assets per employee ($millions) | 5.1641% | 2,985 |
| Cash dividends to net income (ytd only)* | 32.7389% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 3,566 |
| Loan loss allowance to noncurrent loans | 56.3729% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 1.1248% | 1,011 |
| Noncurrent loans to loans | 1.7780% | 794 |
| Net loans and leases to total assets | 61.0996% | 3,205 |
| Net loans and leases to deposits | 73.9456% | 3,077 |
| Net loans and leases to core deposits | 85.6414% | 2,471 |
| Total domestic deposits to total assets | 82.6278% | 3,200 |
| Equity capital to assets | 7.4759% | 4,884 |
| Core capital (leverage) ratio | 7.2253% | 4,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9146% | 1,263 |
| Memoranda: | ||
| Average total assets | $880,350,333 | 956 |
| Average earning assets | $800,253,667 | 971 |
| Average equity | $69,937,667 | 1,269 |
| Average total loans | $546,227,333 | 1,043 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8695% | 4,096 |
| Cost of funding earning assets | 0.5208% | 3,840 |
| Net interest margin | 3.3487% | 3,451 |
| Noninterest income to average assets | 0.5432% | 2,315 |
| Noninterest expense to average assets | 3.1813% | 1,460 |
| Loan and lease loss provision to assets | 0.2555% | 1,214 |
| Net operating income to assets | 0.1632% | 4,581 |
| Return on assets (ROA) | 0.1632% | 4,585 |
| Pretax return on assets | 0.1911% | 4,574 |
| Return on Equity (ROE) | 1.9888% | 4,446 |
| Retained earnings to average equity (ytd only) | 1.0434% | 3,730 |
| Net charge-offs to loans | -0.0008% | 3,598 |
| Credit loss provision to net charge-offs | -54,000.0000% | 4,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6891% | 597 |
| Assets per employee ($millions) | 4.5836% | 3,149 |
| Cash dividends to net income (ytd only)* | 47.5362% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6492% | 4,688 |
| Loan loss allowance to noncurrent loans | 33.9248% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 1.2249% | 996 |
| Noncurrent loans to loans | 1.9135% | 767 |
| Net loans and leases to total assets | 59.4886% | 3,545 |
| Net loans and leases to deposits | 73.1554% | 3,346 |
| Net loans and leases to core deposits | 89.2346% | 2,422 |
| Total domestic deposits to total assets | 81.3181% | 3,591 |
| Equity capital to assets | 8.0232% | 4,966 |
| Core capital (leverage) ratio | 8.0404% | 4,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3571% | 1,515 |
| Memoranda: | ||
| Average total assets | $845,430,000 | 966 |
| Average earning assets | $778,799,000 | 961 |
| Average equity | $69,389,000 | 1,268 |
| Average total loans | $526,120,500 | 1,051 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1193% | 3,998 |
| Cost of funding earning assets | 0.6352% | 3,486 |
| Net interest margin | 3.4841% | 3,500 |
| Noninterest income to average assets | 0.5777% | 2,324 |
| Noninterest expense to average assets | 3.3369% | 1,233 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3870% | 4,614 |
| Return on assets (ROA) | 0.5511% | 4,342 |
| Pretax return on assets | 0.6526% | 4,320 |
| Return on Equity (ROE) | 7.0437% | 3,535 |
| Retained earnings to average equity (ytd only) | 6.1258% | 1,806 |
| Net charge-offs to loans | 0.1104% | 1,625 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 6.8834% | 2,923 |
| Efficiency ratio | 87.9493% | 444 |
| Assets per employee ($millions) | 4.2690% | 3,552 |
| Cash dividends to net income (ytd only)* | 13.0324% | 3,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5420% | 4,836 |
| Loan loss allowance to noncurrent loans | 29.0087% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 1.2585% | 899 |
| Noncurrent loans to loans | 1.8684% | 711 |
| Net loans and leases to total assets | 64.4074% | 3,144 |
| Net loans and leases to deposits | 78.0696% | 2,996 |
| Net loans and leases to core deposits | 97.6501% | 1,758 |
| Total domestic deposits to total assets | 82.5000% | 3,361 |
| Equity capital to assets | 8.4054% | 4,949 |
| Core capital (leverage) ratio | 7.8741% | 5,062 |
| Tier 1 risk-based capital ratio | 15.5962% | 2,542 |
| Total risk-based capital ratio | 16.2597% | 2,711 |
| Memoranda: | ||
| Average total assets | $852,120,400 | 927 |
| Average earning assets | $786,631,200 | 922 |
| Average equity | $66,669,200 | 1,273 |
| Average total loans | $512,745,800 | 1,056 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0926% | 4,172 |
| Cost of funding earning assets | 0.6460% | 3,470 |
| Net interest margin | 3.4465% | 3,741 |
| Noninterest income to average assets | 0.5782% | 2,317 |
| Noninterest expense to average assets | 3.0059% | 1,964 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6245% | 4,230 |
| Return on assets (ROA) | 0.7850% | 3,787 |
| Pretax return on assets | 0.9362% | 3,774 |
| Return on Equity (ROE) | 10.2129% | 2,348 |
| Retained earnings to average equity (ytd only) | 9.3267% | 951 |
| Net charge-offs to loans | 0.1022% | 1,450 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 12.3435% | 2,366 |
| Efficiency ratio | 80.1337% | 913 |
| Assets per employee ($millions) | 4.6481% | 2,974 |
| Cash dividends to net income (ytd only)* | 8.6768% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5796% | 4,858 |
| Loan loss allowance to noncurrent loans | 25.5702% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 1.3615% | 864 |
| Noncurrent loans to loans | 2.2669% | 544 |
| Net loans and leases to total assets | 57.7869% | 3,898 |
| Net loans and leases to deposits | 69.9945% | 3,774 |
| Net loans and leases to core deposits | 88.5384% | 2,681 |
| Total domestic deposits to total assets | 82.5593% | 3,297 |
| Equity capital to assets | 7.7490% | 5,166 |
| Core capital (leverage) ratio | 7.8247% | 5,147 |
| Tier 1 risk-based capital ratio | 15.6864% | 2,567 |
| Total risk-based capital ratio | 16.3895% | 2,721 |
| Memoranda: | ||
| Average total assets | $861,303,500 | 910 |
| Average earning assets | $792,931,000 | 911 |
| Average equity | $66,202,250 | 1,276 |
| Average total loans | $508,924,250 | 1,058 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1025% | 4,153 |
| Cost of funding earning assets | 0.6351% | 3,487 |
| Net interest margin | 3.4673% | 3,697 |
| Noninterest income to average assets | 0.5904% | 2,196 |
| Noninterest expense to average assets | 3.0624% | 1,830 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6411% | 4,192 |
| Return on assets (ROA) | 0.8200% | 3,641 |
| Pretax return on assets | 0.9695% | 3,649 |
| Return on Equity (ROE) | 10.6990% | 2,094 |
| Retained earnings to average equity (ytd only) | 9.9387% | 777 |
| Net charge-offs to loans | 0.0949% | 1,415 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 13.4644% | 2,099 |
| Efficiency ratio | 80.1358% | 954 |
| Assets per employee ($millions) | 4.5340% | 3,083 |
| Cash dividends to net income (ytd only)* | 7.1059% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6277% | 4,828 |
| Loan loss allowance to noncurrent loans | 30.3339% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 1.2360% | 1,058 |
| Noncurrent loans to loans | 2.0692% | 675 |
| Net loans and leases to total assets | 58.6081% | 3,855 |
| Net loans and leases to deposits | 69.7242% | 3,861 |
| Net loans and leases to core deposits | 89.0200% | 2,694 |
| Total domestic deposits to total assets | 84.0571% | 2,836 |
| Equity capital to assets | 7.9562% | 5,182 |
| Core capital (leverage) ratio | 7.7723% | 5,204 |
| Tier 1 risk-based capital ratio | 15.5473% | 2,610 |
| Total risk-based capital ratio | 16.2943% | 2,744 |
| Memoranda: | ||
| Average total assets | $847,828,670 | 918 |
| Average earning assets | $790,060,330 | 915 |
| Average equity | $64,978,000 | 1,291 |
| Average total loans | $503,859,330 | 1,068 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0320% | 4,297 |
| Cost of funding earning assets | 0.6015% | 3,565 |
| Net interest margin | 3.4305% | 3,811 |
| Noninterest income to average assets | 0.6093% | 2,007 |
| Noninterest expense to average assets | 3.0820% | 1,769 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6364% | 4,133 |
| Return on assets (ROA) | 0.6364% | 4,173 |
| Pretax return on assets | 0.7443% | 4,188 |
| Return on Equity (ROE) | 8.4687% | 3,055 |
| Retained earnings to average equity (ytd only) | 7.6838% | 1,777 |
| Net charge-offs to loans | 0.0247% | 1,956 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 50.4839% | 1,018 |
| Efficiency ratio | 80.5469% | 1,005 |
| Assets per employee ($millions) | 4.5057% | 3,183 |
| Cash dividends to net income (ytd only)* | 9.2676% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6736% | 4,823 |
| Loan loss allowance to noncurrent loans | 29.6045% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 1.3494% | 942 |
| Noncurrent loans to loans | 2.2752% | 611 |
| Net loans and leases to total assets | 58.2254% | 3,860 |
| Net loans and leases to deposits | 68.2266% | 3,906 |
| Net loans and leases to core deposits | 82.4104% | 3,154 |
| Total domestic deposits to total assets | 85.3412% | 2,548 |
| Equity capital to assets | 7.5049% | 5,269 |
| Core capital (leverage) ratio | 7.6825% | 5,262 |
| Tier 1 risk-based capital ratio | 15.0404% | 2,877 |
| Total risk-based capital ratio | 15.8345% | 2,991 |
| Memoranda: | ||
| Average total assets | $841,016,000 | 930 |
| Average earning assets | $788,692,000 | 915 |
| Average equity | $63,197,500 | 1,312 |
| Average total loans | $501,753,500 | 1,077 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8446% | 4,398 |
| Cost of funding earning assets | 0.4264% | 3,822 |
| Net interest margin | 3.4182% | 3,948 |
| Noninterest income to average assets | 0.6169% | 2,207 |
| Noninterest expense to average assets | 3.0100% | 2,022 |
| Loan and lease loss provision to assets | 0.0716% | 2,704 |
| Net operating income to assets | 0.6610% | 4,255 |
| Return on assets (ROA) | 0.6610% | 4,263 |
| Pretax return on assets | 0.7441% | 4,303 |
| Return on Equity (ROE) | 8.8522% | 3,064 |
| Retained earnings to average equity (ytd only) | 5.3794% | 2,545 |
| Net charge-offs to loans | 0.0437% | 2,546 |
| Credit loss provision to net charge-offs | 269.7674% | 1,113 |
| Earnings coverage of net charge-offs (x) | 30.7256% | 1,571 |
| Efficiency ratio | 78.6786% | 1,066 |
| Assets per employee ($millions) | 4.3463% | 3,392 |
| Cash dividends to net income (ytd only)* | 39.2303% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6869% | 4,824 |
| Loan loss allowance to noncurrent loans | 31.2802% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 1.4608% | 809 |
| Noncurrent loans to loans | 2.1961% | 590 |
| Net loans and leases to total assets | 60.3328% | 3,733 |
| Net loans and leases to deposits | 72.5421% | 3,623 |
| Net loans and leases to core deposits | 85.2902% | 2,973 |
| Total domestic deposits to total assets | 83.1694% | 3,271 |
| Equity capital to assets | 7.5244% | 5,279 |
| Core capital (leverage) ratio | 7.6073% | 5,308 |
| Tier 1 risk-based capital ratio | 14.3291% | 3,150 |
| Total risk-based capital ratio | 15.1100% | 3,286 |
| Memoranda: | ||
| Average total assets | $809,879,800 | 941 |
| Average earning assets | $760,265,000 | 926 |
| Average equity | $60,471,000 | 1,310 |
| Average total loans | $492,069,000 | 1,064 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7805% | 4,479 |
| Cost of funding earning assets | 0.3942% | 3,903 |
| Net interest margin | 3.3863% | 4,044 |
| Noninterest income to average assets | 0.6149% | 2,238 |
| Noninterest expense to average assets | 2.9840% | 2,055 |
| Loan and lease loss provision to assets | 0.0859% | 2,255 |
| Net operating income to assets | 0.6439% | 4,383 |
| Return on assets (ROA) | 0.6439% | 4,393 |
| Pretax return on assets | 0.7260% | 4,477 |
| Return on Equity (ROE) | 8.6401% | 3,270 |
| Retained earnings to average equity (ytd only) | 7.1258% | 2,063 |
| Net charge-offs to loans | 0.0745% | 1,782 |
| Credit loss provision to net charge-offs | 189.7810% | 1,448 |
| Earnings coverage of net charge-offs (x) | 17.9345% | 2,084 |
| Efficiency ratio | 78.6115% | 1,064 |
| Assets per employee ($millions) | 4.5199% | 3,090 |
| Cash dividends to net income (ytd only)* | 17.5262% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6660% | 4,941 |
| Loan loss allowance to noncurrent loans | 36.8609% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 1.1819% | 1,188 |
| Noncurrent loans to loans | 1.8069% | 852 |
| Net loans and leases to total assets | 59.0191% | 3,945 |
| Net loans and leases to deposits | 70.4336% | 3,885 |
| Net loans and leases to core deposits | 82.9748% | 3,250 |
| Total domestic deposits to total assets | 83.7939% | 3,017 |
| Equity capital to assets | 7.1941% | 5,363 |
| Core capital (leverage) ratio | 7.7492% | 5,360 |
| Tier 1 risk-based capital ratio | 14.5810% | 3,076 |
| Total risk-based capital ratio | 15.3494% | 3,236 |
| Memoranda: | ||
| Average total assets | $806,988,500 | 945 |
| Average earning assets | $758,045,250 | 928 |
| Average equity | $60,136,500 | 1,317 |
| Average total loans | $490,329,000 | 1,067 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7309% | 4,516 |
| Cost of funding earning assets | 0.3780% | 3,884 |
| Net interest margin | 3.3529% | 4,098 |
| Noninterest income to average assets | 0.6309% | 2,178 |
| Noninterest expense to average assets | 3.0377% | 1,943 |
| Loan and lease loss provision to assets | 0.0853% | 2,210 |
| Net operating income to assets | 0.5910% | 4,521 |
| Return on assets (ROA) | 0.5910% | 4,523 |
| Pretax return on assets | 0.6653% | 4,600 |
| Return on Equity (ROE) | 7.8363% | 3,577 |
| Retained earnings to average equity (ytd only) | 6.9649% | 2,090 |
| Net charge-offs to loans | 0.0610% | 1,735 |
| Credit loss provision to net charge-offs | 228.1879% | 1,200 |
| Earnings coverage of net charge-offs (x) | 20.0805% | 1,825 |
| Efficiency ratio | 80.1867% | 1,001 |
| Assets per employee ($millions) | 4.2833% | 3,447 |
| Cash dividends to net income (ytd only)* | 11.1205% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6604% | 5,014 |
| Loan loss allowance to noncurrent loans | 36.0314% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 1.1570% | 1,252 |
| Noncurrent loans to loans | 1.8329% | 849 |
| Net loans and leases to total assets | 60.7821% | 3,730 |
| Net loans and leases to deposits | 70.6422% | 3,808 |
| Net loans and leases to core deposits | 82.8667% | 3,170 |
| Total domestic deposits to total assets | 86.0423% | 2,256 |
| Equity capital to assets | 7.4525% | 5,387 |
| Core capital (leverage) ratio | 7.7632% | 5,404 |
| Tier 1 risk-based capital ratio | 14.7249% | 3,010 |
| Total risk-based capital ratio | 15.5028% | 3,153 |
| Memoranda: | ||
| Average total assets | $797,260,000 | 952 |
| Average earning assets | $750,759,670 | 935 |
| Average equity | $60,130,330 | 1,318 |
| Average total loans | $488,168,330 | 1,075 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6943% | 4,479 |
| Cost of funding earning assets | 0.3506% | 3,985 |
| Net interest margin | 3.3437% | 4,071 |
| Noninterest income to average assets | 0.6621% | 1,988 |
| Noninterest expense to average assets | 3.1067% | 1,808 |
| Loan and lease loss provision to assets | 0.0756% | 2,254 |
| Net operating income to assets | 0.5461% | 4,589 |
| Return on assets (ROA) | 0.5461% | 4,592 |
| Pretax return on assets | 0.6293% | 4,618 |
| Return on Equity (ROE) | 7.1973% | 3,701 |
| Retained earnings to average equity (ytd only) | 6.5128% | 2,493 |
| Net charge-offs to loans | 0.0593% | 1,510 |
| Credit loss provision to net charge-offs | 208.3333% | 1,022 |
| Earnings coverage of net charge-offs (x) | 19.4167% | 1,505 |
| Efficiency ratio | 81.5055% | 1,001 |
| Assets per employee ($millions) | 4.4958% | 3,170 |
| Cash dividends to net income (ytd only)* | 9.5106% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6445% | 5,109 |
| Loan loss allowance to noncurrent loans | 33.0980% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 1.2497% | 1,196 |
| Noncurrent loans to loans | 1.9472% | 831 |
| Net loans and leases to total assets | 60.5074% | 3,700 |
| Net loans and leases to deposits | 71.1492% | 3,689 |
| Net loans and leases to core deposits | 81.7135% | 3,168 |
| Total domestic deposits to total assets | 85.0429% | 2,916 |
| Equity capital to assets | 7.4727% | 5,424 |
| Core capital (leverage) ratio | 7.6483% | 5,479 |
| Tier 1 risk-based capital ratio | 14.5745% | 3,083 |
| Total risk-based capital ratio | 15.3314% | 3,253 |
| Memoranda: | ||
| Average total assets | $793,256,000 | 968 |
| Average earning assets | $747,206,500 | 949 |
| Average equity | $60,189,000 | 1,325 |
| Average total loans | $485,896,000 | 1,084 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5642% | 4,649 |
| Cost of funding earning assets | 0.3507% | 3,713 |
| Net interest margin | 3.2135% | 4,410 |
| Noninterest income to average assets | 0.6544% | 2,169 |
| Noninterest expense to average assets | 2.9047% | 2,441 |
| Loan and lease loss provision to assets | 0.0468% | 3,292 |
| Net operating income to assets | 0.5208% | 4,321 |
| Return on assets (ROA) | 0.5208% | 4,356 |
| Pretax return on assets | 0.7093% | 4,483 |
| Return on Equity (ROE) | 7.0137% | 3,274 |
| Retained earnings to average equity (ytd only) | 6.1035% | 1,478 |
| Net charge-offs to loans | 0.1285% | 1,758 |
| Credit loss provision to net charge-offs | 60.7143% | 3,204 |
| Earnings coverage of net charge-offs (x) | 9.8068% | 2,745 |
| Efficiency ratio | 79.3449% | 1,177 |
| Assets per employee ($millions) | 4.2965% | 3,488 |
| Cash dividends to net income (ytd only)* | 12.9776% | 3,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6323% | 5,186 |
| Loan loss allowance to noncurrent loans | 30.3297% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 1.3183% | 1,097 |
| Noncurrent loans to loans | 2.0847% | 719 |
| Net loans and leases to total assets | 61.2236% | 3,708 |
| Net loans and leases to deposits | 73.0131% | 3,599 |
| Net loans and leases to core deposits | 83.5358% | 3,098 |
| Total domestic deposits to total assets | 83.8528% | 3,257 |
| Equity capital to assets | 7.7045% | 5,484 |
| Core capital (leverage) ratio | 7.5482% | 5,552 |
| Tier 1 risk-based capital ratio | 14.5408% | 3,069 |
| Total risk-based capital ratio | 15.2894% | 3,242 |
| Memoranda: | ||
| Average total assets | $798,921,800 | 933 |
| Average earning assets | $747,430,400 | 921 |
| Average equity | $59,327,000 | 1,322 |
| Average total loans | $479,510,600 | 1,070 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5466% | 4,701 |
| Cost of funding earning assets | 0.3522% | 3,644 |
| Net interest margin | 3.1944% | 4,461 |
| Noninterest income to average assets | 0.6440% | 2,240 |
| Noninterest expense to average assets | 2.9550% | 2,234 |
| Loan and lease loss provision to assets | 0.0504% | 3,085 |
| Net operating income to assets | 0.5045% | 4,716 |
| Return on assets (ROA) | 0.5045% | 4,749 |
| Pretax return on assets | 0.6222% | 4,797 |
| Return on Equity (ROE) | 6.8569% | 3,746 |
| Retained earnings to average equity (ytd only) | 5.8583% | 2,332 |
| Net charge-offs to loans | 0.1932% | 1,099 |
| Credit loss provision to net charge-offs | 43.7229% | 2,979 |
| Earnings coverage of net charge-offs (x) | 5.8384% | 3,053 |
| Efficiency ratio | 81.4599% | 960 |
| Assets per employee ($millions) | 4.3502% | 3,393 |
| Cash dividends to net income (ytd only)* | 14.5634% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6057% | 5,312 |
| Loan loss allowance to noncurrent loans | 28.9244% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 1.2591% | 1,287 |
| Noncurrent loans to loans | 2.0942% | 793 |
| Net loans and leases to total assets | 59.7569% | 3,894 |
| Net loans and leases to deposits | 71.0864% | 3,862 |
| Net loans and leases to core deposits | 81.2683% | 3,353 |
| Total domestic deposits to total assets | 84.0624% | 3,101 |
| Equity capital to assets | 7.5640% | 5,608 |
| Core capital (leverage) ratio | 7.4228% | 5,626 |
| Tier 1 risk-based capital ratio | 14.6465% | 3,106 |
| Total risk-based capital ratio | 15.3770% | 3,295 |
| Memoranda: | ||
| Average total assets | $802,088,250 | 936 |
| Average earning assets | $749,174,250 | 925 |
| Average equity | $59,014,500 | 1,339 |
| Average total loans | $478,279,000 | 1,078 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5159% | 4,728 |
| Cost of funding earning assets | 0.3477% | 3,606 |
| Net interest margin | 3.1683% | 4,499 |
| Noninterest income to average assets | 0.6720% | 2,116 |
| Noninterest expense to average assets | 2.9418% | 2,293 |
| Loan and lease loss provision to assets | 0.0578% | 2,817 |
| Net operating income to assets | 0.5253% | 4,631 |
| Return on assets (ROA) | 0.5253% | 4,661 |
| Pretax return on assets | 0.6401% | 4,721 |
| Return on Equity (ROE) | 7.2063% | 3,448 |
| Retained earnings to average equity (ytd only) | 6.5738% | 1,804 |
| Net charge-offs to loans | 0.2736% | 737 |
| Credit loss provision to net charge-offs | 35.5283% | 2,682 |
| Earnings coverage of net charge-offs (x) | 4.2894% | 2,953 |
| Efficiency ratio | 80.8243% | 1,122 |
| Assets per employee ($millions) | 4.2321% | 3,554 |
| Cash dividends to net income (ytd only)* | 8.7761% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5981% | 5,383 |
| Loan loss allowance to noncurrent loans | 35.6093% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 1.0125% | 1,731 |
| Noncurrent loans to loans | 1.6795% | 1,085 |
| Net loans and leases to total assets | 59.9260% | 3,851 |
| Net loans and leases to deposits | 70.7697% | 3,852 |
| Net loans and leases to core deposits | 83.6131% | 3,112 |
| Total domestic deposits to total assets | 84.6774% | 2,949 |
| Equity capital to assets | 7.5932% | 5,640 |
| Core capital (leverage) ratio | 7.1317% | 5,701 |
| Tier 1 risk-based capital ratio | 14.3601% | 3,236 |
| Total risk-based capital ratio | 15.0778% | 3,441 |
| Memoranda: | ||
| Average total assets | $802,641,670 | 942 |
| Average earning assets | $751,831,670 | 925 |
| Average equity | $58,504,670 | 1,349 |
| Average total loans | $477,296,670 | 1,082 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4860% | 4,730 |
| Cost of funding earning assets | 0.3328% | 3,720 |
| Net interest margin | 3.1532% | 4,493 |
| Noninterest income to average assets | 0.5965% | 2,436 |
| Noninterest expense to average assets | 2.8681% | 2,552 |
| Loan and lease loss provision to assets | 0.0662% | 2,477 |
| Net operating income to assets | 0.4751% | 4,690 |
| Return on assets (ROA) | 0.4751% | 4,714 |
| Pretax return on assets | 0.6035% | 4,725 |
| Return on Equity (ROE) | 6.6563% | 3,576 |
| Retained earnings to average equity (ytd only) | 6.0360% | 2,312 |
| Net charge-offs to loans | 0.2443% | 733 |
| Credit loss provision to net charge-offs | 45.8621% | 2,021 |
| Earnings coverage of net charge-offs (x) | 4.6414% | 2,363 |
| Efficiency ratio | 81.0716% | 1,249 |
| Assets per employee ($millions) | 4.7141% | 2,821 |
| Cash dividends to net income (ytd only)* | 9.3194% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6600% | 5,390 |
| Loan loss allowance to noncurrent loans | 37.2942% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 1.0429% | 1,742 |
| Noncurrent loans to loans | 1.7696% | 1,071 |
| Net loans and leases to total assets | 57.1136% | 4,052 |
| Net loans and leases to deposits | 66.9717% | 4,093 |
| Net loans and leases to core deposits | 77.2609% | 3,538 |
| Total domestic deposits to total assets | 85.2802% | 2,972 |
| Equity capital to assets | 6.9830% | 5,756 |
| Core capital (leverage) ratio | 7.0879% | 5,760 |
| Tier 1 risk-based capital ratio | 14.0827% | 3,423 |
| Total risk-based capital ratio | 14.8670% | 3,618 |
| Memoranda: | ||
| Average total assets | $804,026,000 | 940 |
| Average earning assets | $749,977,500 | 930 |
| Average equity | $57,389,000 | 1,373 |
| Average total loans | $474,837,000 | 1,078 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4662% | 4,858 |
| Cost of funding earning assets | 0.3744% | 3,274 |
| Net interest margin | 3.0918% | 4,750 |
| Noninterest income to average assets | 0.8621% | 1,529 |
| Noninterest expense to average assets | 2.9558% | 2,477 |
| Loan and lease loss provision to assets | 0.1196% | 2,072 |
| Net operating income to assets | 0.5304% | 4,510 |
| Return on assets (ROA) | 0.5325% | 4,595 |
| Pretax return on assets | 0.6847% | 4,545 |
| Return on Equity (ROE) | 7.2124% | 3,363 |
| Retained earnings to average equity (ytd only) | 6.6187% | 1,400 |
| Net charge-offs to loans | 0.1504% | 1,758 |
| Credit loss provision to net charge-offs | 131.9544% | 2,045 |
| Earnings coverage of net charge-offs (x) | 8.8431% | 2,830 |
| Efficiency ratio | 78.6653% | 1,596 |
| Assets per employee ($millions) | 4.4479% | 3,192 |
| Cash dividends to net income (ytd only)* | 8.2322% | 4,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6992% | 5,359 |
| Loan loss allowance to noncurrent loans | 35.3023% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 1.2473% | 1,430 |
| Noncurrent loans to loans | 1.9807% | 912 |
| Net loans and leases to total assets | 60.3003% | 3,813 |
| Net loans and leases to deposits | 71.2084% | 3,789 |
| Net loans and leases to core deposits | 83.2019% | 3,109 |
| Total domestic deposits to total assets | 84.6815% | 3,178 |
| Equity capital to assets | 7.3026% | 5,754 |
| Core capital (leverage) ratio | 7.0828% | 5,802 |
| Tier 1 risk-based capital ratio | 13.9304% | 3,502 |
| Total risk-based capital ratio | 14.7605% | 3,663 |
| Memoranda: | ||
| Average total assets | $773,301,400 | 934 |
| Average earning assets | $724,145,200 | 918 |
| Average equity | $57,096,000 | 1,343 |
| Average total loans | $465,944,800 | 1,039 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4783% | 4,872 |
| Cost of funding earning assets | 0.3763% | 3,267 |
| Net interest margin | 3.1020% | 4,774 |
| Noninterest income to average assets | 0.9162% | 1,357 |
| Noninterest expense to average assets | 2.9651% | 2,417 |
| Loan and lease loss provision to assets | 0.0929% | 2,366 |
| Net operating income to assets | 0.5769% | 4,380 |
| Return on assets (ROA) | 0.5784% | 4,493 |
| Pretax return on assets | 0.7556% | 4,456 |
| Return on Equity (ROE) | 7.8119% | 3,110 |
| Retained earnings to average equity (ytd only) | 7.2264% | 1,511 |
| Net charge-offs to loans | 0.0867% | 2,097 |
| Credit loss provision to net charge-offs | 178.1457% | 1,570 |
| Earnings coverage of net charge-offs (x) | 16.2317% | 2,129 |
| Efficiency ratio | 77.7899% | 1,715 |
| Assets per employee ($millions) | 4.5999% | 2,929 |
| Cash dividends to net income (ytd only)* | 7.4948% | 3,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7148% | 5,397 |
| Loan loss allowance to noncurrent loans | 34.4802% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 1.2073% | 1,648 |
| Noncurrent loans to loans | 2.0730% | 933 |
| Net loans and leases to total assets | 56.9126% | 4,207 |
| Net loans and leases to deposits | 67.9487% | 4,160 |
| Net loans and leases to core deposits | 80.7391% | 3,377 |
| Total domestic deposits to total assets | 83.7582% | 3,290 |
| Equity capital to assets | 7.2413% | 5,870 |
| Core capital (leverage) ratio | 7.0901% | 5,872 |
| Tier 1 risk-based capital ratio | 13.7530% | 3,700 |
| Total risk-based capital ratio | 14.5896% | 3,871 |
| Memoranda: | ||
| Average total assets | $772,032,000 | 933 |
| Average earning assets | $720,645,250 | 924 |
| Average equity | $57,159,500 | 1,350 |
| Average total loans | $464,263,500 | 1,047 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4870% | 4,903 |
| Cost of funding earning assets | 0.3789% | 3,260 |
| Net interest margin | 3.1080% | 4,809 |
| Noninterest income to average assets | 1.0365% | 1,042 |
| Noninterest expense to average assets | 2.9872% | 2,388 |
| Loan and lease loss provision to assets | 0.0890% | 2,363 |
| Net operating income to assets | 0.6612% | 3,992 |
| Return on assets (ROA) | 0.6612% | 4,135 |
| Pretax return on assets | 0.8803% | 4,025 |
| Return on Equity (ROE) | 8.8616% | 2,551 |
| Retained earnings to average equity (ytd only) | 8.2793% | 1,081 |
| Net charge-offs to loans | 0.0663% | 2,245 |
| Credit loss provision to net charge-offs | 219.4805% | 1,224 |
| Earnings coverage of net charge-offs (x) | 23.9026% | 1,573 |
| Efficiency ratio | 75.5008% | 2,149 |
| Assets per employee ($millions) | 4.2559% | 3,455 |
| Cash dividends to net income (ytd only)* | 6.5711% | 3,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7079% | 5,502 |
| Loan loss allowance to noncurrent loans | 31.9503% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 1.3592% | 1,462 |
| Noncurrent loans to loans | 2.2155% | 845 |
| Net loans and leases to total assets | 59.7828% | 3,911 |
| Net loans and leases to deposits | 70.6344% | 3,928 |
| Net loans and leases to core deposits | 84.7856% | 3,008 |
| Total domestic deposits to total assets | 84.6370% | 3,029 |
| Equity capital to assets | 7.6290% | 5,891 |
| Core capital (leverage) ratio | 7.0611% | 5,945 |
| Tier 1 risk-based capital ratio | 13.8385% | 3,701 |
| Total risk-based capital ratio | 14.6785% | 3,856 |
| Memoranda: | ||
| Average total assets | $759,515,330 | 946 |
| Average earning assets | $713,572,330 | 934 |
| Average equity | $56,671,330 | 1,365 |
| Average total loans | $464,327,670 | 1,037 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4299% | 5,048 |
| Cost of funding earning assets | 0.3717% | 3,378 |
| Net interest margin | 3.0583% | 4,976 |
| Noninterest income to average assets | 1.1118% | 884 |
| Noninterest expense to average assets | 2.9911% | 2,418 |
| Loan and lease loss provision to assets | 0.0994% | 2,035 |
| Net operating income to assets | 0.6458% | 3,993 |
| Return on assets (ROA) | 0.6458% | 4,114 |
| Pretax return on assets | 0.8939% | 3,867 |
| Return on Equity (ROE) | 8.7550% | 2,538 |
| Retained earnings to average equity (ytd only) | 8.1813% | 1,384 |
| Net charge-offs to loans | 0.0455% | 2,106 |
| Credit loss provision to net charge-offs | 354.7170% | 766 |
| Earnings coverage of net charge-offs (x) | 35.4340% | 1,082 |
| Efficiency ratio | 75.0697% | 2,322 |
| Assets per employee ($millions) | 4.5038% | 3,060 |
| Cash dividends to net income (ytd only)* | 6.5520% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6924% | 5,607 |
| Loan loss allowance to noncurrent loans | 33.1341% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 1.2705% | 1,703 |
| Noncurrent loans to loans | 2.0897% | 1,010 |
| Net loans and leases to total assets | 59.1983% | 3,894 |
| Net loans and leases to deposits | 70.5707% | 3,802 |
| Net loans and leases to core deposits | 83.5398% | 2,972 |
| Total domestic deposits to total assets | 83.8851% | 3,563 |
| Equity capital to assets | 7.2693% | 5,984 |
| Core capital (leverage) ratio | 7.0523% | 5,995 |
| Tier 1 risk-based capital ratio | 14.1002% | 3,616 |
| Total risk-based capital ratio | 14.9606% | 3,793 |
| Memoranda: | ||
| Average total assets | $756,240,000 | 948 |
| Average earning assets | $710,332,000 | 938 |
| Average equity | $55,785,500 | 1,382 |
| Average total loans | $465,871,000 | 1,033 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4612% | 5,021 |
| Cost of funding earning assets | 0.3655% | 3,527 |
| Net interest margin | 3.0957% | 4,908 |
| Noninterest income to average assets | 0.7895% | 1,828 |
| Noninterest expense to average assets | 3.0173% | 2,484 |
| Loan and lease loss provision to assets | 0.1217% | 1,968 |
| Net operating income to assets | 0.4900% | 4,732 |
| Return on assets (ROA) | 0.5207% | 4,692 |
| Pretax return on assets | 0.5923% | 4,863 |
| Return on Equity (ROE) | 6.8086% | 3,615 |
| Retained earnings to average equity (ytd only) | 3.7272% | 3,396 |
| Net charge-offs to loans | 0.2024% | 1,443 |
| Credit loss provision to net charge-offs | 98.1735% | 2,594 |
| Earnings coverage of net charge-offs (x) | 5.4772% | 3,386 |
| Efficiency ratio | 81.6281% | 1,459 |
| Assets per employee ($millions) | 4.2389% | 3,507 |
| Cash dividends to net income (ytd only)* | 45.2569% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6593% | 5,711 |
| Loan loss allowance to noncurrent loans | 31.0303% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 1.3668% | 1,536 |
| Noncurrent loans to loans | 2.1248% | 958 |
| Net loans and leases to total assets | 63.3005% | 3,374 |
| Net loans and leases to deposits | 74.9728% | 3,385 |
| Net loans and leases to core deposits | 89.0881% | 2,491 |
| Total domestic deposits to total assets | 84.4314% | 3,318 |
| Equity capital to assets | 7.4908% | 5,988 |
| Core capital (leverage) ratio | 7.1510% | 6,031 |
| Tier 1 risk-based capital ratio | 13.2321% | 4,148 |
| Total risk-based capital ratio | 14.0300% | 4,362 |
| Memoranda: | ||
| Average total assets | $706,524,000 | 983 |
| Average earning assets | $663,439,400 | 959 |
| Average equity | $54,035,000 | 1,383 |
| Average total loans | $432,722,400 | 1,064 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4812% | 5,027 |
| Cost of funding earning assets | 0.3686% | 3,564 |
| Net interest margin | 3.1125% | 4,929 |
| Noninterest income to average assets | 0.7928% | 1,827 |
| Noninterest expense to average assets | 3.0331% | 2,423 |
| Loan and lease loss provision to assets | 0.1336% | 1,679 |
| Net operating income to assets | 0.4934% | 4,814 |
| Return on assets (ROA) | 0.5331% | 4,762 |
| Pretax return on assets | 0.5832% | 5,020 |
| Return on Equity (ROE) | 6.9328% | 3,659 |
| Retained earnings to average equity (ytd only) | 3.0006% | 4,307 |
| Net charge-offs to loans | 0.2990% | 897 |
| Credit loss provision to net charge-offs | 73.7119% | 2,704 |
| Earnings coverage of net charge-offs (x) | 3.7150% | 3,462 |
| Efficiency ratio | 81.8383% | 1,417 |
| Assets per employee ($millions) | 4.3209% | 3,287 |
| Cash dividends to net income (ytd only)* | 56.7192% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6627% | 5,802 |
| Loan loss allowance to noncurrent loans | 38.9147% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 1.1125% | 2,132 |
| Noncurrent loans to loans | 1.7031% | 1,418 |
| Net loans and leases to total assets | 58.7866% | 4,043 |
| Net loans and leases to deposits | 70.0167% | 3,984 |
| Net loans and leases to core deposits | 82.6263% | 3,183 |
| Total domestic deposits to total assets | 83.9608% | 3,450 |
| Equity capital to assets | 7.5400% | 6,069 |
| Core capital (leverage) ratio | 7.2564% | 6,096 |
| Tier 1 risk-based capital ratio | 13.8066% | 3,961 |
| Total risk-based capital ratio | 14.5838% | 4,151 |
| Memoranda: | ||
| Average total assets | $699,823,250 | 996 |
| Average earning assets | $655,054,000 | 978 |
| Average equity | $53,810,750 | 1,394 |
| Average total loans | $424,082,750 | 1,081 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4748% | 5,051 |
| Cost of funding earning assets | 0.3702% | 3,597 |
| Net interest margin | 3.1046% | 4,959 |
| Noninterest income to average assets | 0.6109% | 2,677 |
| Noninterest expense to average assets | 3.0509% | 2,398 |
| Loan and lease loss provision to assets | 0.1522% | 1,400 |
| Net operating income to assets | 0.2805% | 5,492 |
| Return on assets (ROA) | 0.3397% | 5,435 |
| Pretax return on assets | 0.3837% | 5,506 |
| Return on Equity (ROE) | 4.3885% | 4,866 |
| Retained earnings to average equity (ytd only) | 0.9383% | 5,196 |
| Net charge-offs to loans | 0.3183% | 828 |
| Credit loss provision to net charge-offs | 78.2738% | 2,355 |
| Earnings coverage of net charge-offs (x) | 2.4137% | 3,344 |
| Efficiency ratio | 86.6667% | 1,003 |
| Assets per employee ($millions) | 4.0757% | 3,731 |
| Cash dividends to net income (ytd only)* | 78.6201% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6972% | 5,824 |
| Loan loss allowance to noncurrent loans | 47.7817% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 1.0010% | 2,522 |
| Noncurrent loans to loans | 1.4592% | 1,818 |
| Net loans and leases to total assets | 60.6600% | 3,729 |
| Net loans and leases to deposits | 72.2076% | 3,702 |
| Net loans and leases to core deposits | 82.9659% | 3,087 |
| Total domestic deposits to total assets | 84.0078% | 3,558 |
| Equity capital to assets | 7.6604% | 6,082 |
| Core capital (leverage) ratio | 7.1633% | 6,163 |
| Tier 1 risk-based capital ratio | 11.1791% | 5,628 |
| Total risk-based capital ratio | 11.8463% | 5,831 |
| Memoranda: | ||
| Average total assets | $691,129,330 | 1,010 |
| Average earning assets | $647,684,000 | 990 |
| Average equity | $53,503,330 | 1,412 |
| Average total loans | $422,249,670 | 1,087 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5048% | 4,948 |
| Cost of funding earning assets | 0.3672% | 3,675 |
| Net interest margin | 3.1375% | 4,829 |
| Noninterest income to average assets | 0.5841% | 2,740 |
| Noninterest expense to average assets | 3.1061% | 2,249 |
| Loan and lease loss provision to assets | 0.1889% | 994 |
| Net operating income to assets | 0.2359% | 5,601 |
| Return on assets (ROA) | 0.2359% | 5,689 |
| Pretax return on assets | 0.2202% | 5,802 |
| Return on Equity (ROE) | 3.0307% | 5,366 |
| Retained earnings to average equity (ytd only) | 2.4722% | 4,451 |
| Net charge-offs to loans | 0.0882% | 1,838 |
| Credit loss provision to net charge-offs | 350.5376% | 727 |
| Earnings coverage of net charge-offs (x) | 7.5914% | 2,157 |
| Efficiency ratio | 88.3614% | 991 |
| Assets per employee ($millions) | 4.4322% | 3,160 |
| Cash dividends to net income (ytd only)* | 18.4275% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7910% | 5,719 |
| Loan loss allowance to noncurrent loans | 57.0596% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 0.8994% | 2,837 |
| Noncurrent loans to loans | 1.3863% | 2,071 |
| Net loans and leases to total assets | 59.2626% | 3,761 |
| Net loans and leases to deposits | 70.4829% | 3,698 |
| Net loans and leases to core deposits | 81.1906% | 3,034 |
| Total domestic deposits to total assets | 84.0808% | 3,792 |
| Equity capital to assets | 7.6887% | 6,126 |
| Core capital (leverage) ratio | 7.2897% | 6,201 |
| Tier 1 risk-based capital ratio | 13.7300% | 4,198 |
| Total risk-based capital ratio | 13.7300% | 4,832 |
| Memoranda: | ||
| Average total assets | $690,256,500 | 1,006 |
| Average earning assets | $644,838,500 | 993 |
| Average equity | $53,716,500 | 1,417 |
| Average total loans | $421,750,000 | 1,087 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6751% | 4,865 |
| Cost of funding earning assets | 0.3782% | 3,930 |
| Net interest margin | 3.2969% | 4,576 |
| Noninterest income to average assets | 0.7015% | 2,298 |
| Noninterest expense to average assets | 3.0160% | 2,797 |
| Loan and lease loss provision to assets | 0.0687% | 3,111 |
| Net operating income to assets | 0.5232% | 4,713 |
| Return on assets (ROA) | 0.5539% | 4,674 |
| Pretax return on assets | 0.7272% | 4,521 |
| Return on Equity (ROE) | 7.3164% | 3,465 |
| Retained earnings to average equity (ytd only) | 6.7187% | 1,538 |
| Net charge-offs to loans | 0.1910% | 2,136 |
| Credit loss provision to net charge-offs | 57.5720% | 3,337 |
| Earnings coverage of net charge-offs (x) | 6.3304% | 3,224 |
| Efficiency ratio | 79.9707% | 1,935 |
| Assets per employee ($millions) | 4.0000% | 3,952 |
| Cash dividends to net income (ytd only)* | 8.1693% | 4,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6828% | 6,021 |
| Loan loss allowance to noncurrent loans | 67.7707% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 0.7040% | 3,462 |
| Noncurrent loans to loans | 1.0075% | 2,813 |
| Net loans and leases to total assets | 62.0779% | 3,487 |
| Net loans and leases to deposits | 75.2150% | 3,288 |
| Net loans and leases to core deposits | 87.4697% | 2,555 |
| Total domestic deposits to total assets | 82.5339% | 4,236 |
| Equity capital to assets | 7.8770% | 6,116 |
| Core capital (leverage) ratio | 7.3053% | 6,256 |
| Tier 1 risk-based capital ratio | 14.2837% | 3,907 |
| Total risk-based capital ratio | 15.1210% | 4,129 |
| Memoranda: | ||
| Average total assets | $669,600,000 | 995 |
| Average earning assets | $623,497,200 | 985 |
| Average equity | $50,694,200 | 1,430 |
| Average total loans | $418,250,800 | 1,051 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6598% | 4,973 |
| Cost of funding earning assets | 0.3802% | 4,014 |
| Net interest margin | 3.2796% | 4,685 |
| Noninterest income to average assets | 0.7018% | 2,322 |
| Noninterest expense to average assets | 3.0700% | 2,562 |
| Loan and lease loss provision to assets | 0.0719% | 2,909 |
| Net operating income to assets | 0.4696% | 4,994 |
| Return on assets (ROA) | 0.5118% | 4,895 |
| Pretax return on assets | 0.6595% | 4,842 |
| Return on Equity (ROE) | 6.8296% | 3,799 |
| Retained earnings to average equity (ytd only) | 6.2249% | 2,263 |
| Net charge-offs to loans | 0.1783% | 2,022 |
| Credit loss provision to net charge-offs | 64.5161% | 2,861 |
| Earnings coverage of net charge-offs (x) | 6.0807% | 3,141 |
| Efficiency ratio | 81.9271% | 1,630 |
| Assets per employee ($millions) | 4.0281% | 3,818 |
| Cash dividends to net income (ytd only)* | 8.8534% | 3,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7216% | 6,057 |
| Loan loss allowance to noncurrent loans | 85.2154% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 0.6023% | 4,036 |
| Noncurrent loans to loans | 0.8468% | 3,454 |
| Net loans and leases to total assets | 61.5189% | 3,559 |
| Net loans and leases to deposits | 73.1894% | 3,539 |
| Net loans and leases to core deposits | 83.5672% | 2,936 |
| Total domestic deposits to total assets | 84.0544% | 3,736 |
| Equity capital to assets | 7.6592% | 6,270 |
| Core capital (leverage) ratio | 7.3673% | 6,314 |
| Tier 1 risk-based capital ratio | 14.1532% | 4,103 |
| Total risk-based capital ratio | 15.0423% | 4,289 |
| Memoranda: | ||
| Average total assets | $667,999,500 | 1,013 |
| Average earning assets | $620,306,500 | 998 |
| Average equity | $50,055,500 | 1,448 |
| Average total loans | $417,180,250 | 1,051 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6402% | 5,038 |
| Cost of funding earning assets | 0.3817% | 4,085 |
| Net interest margin | 3.2585% | 4,747 |
| Noninterest income to average assets | 0.6468% | 2,563 |
| Noninterest expense to average assets | 3.1124% | 2,449 |
| Loan and lease loss provision to assets | 0.1083% | 2,207 |
| Net operating income to assets | 0.3745% | 5,314 |
| Return on assets (ROA) | 0.4405% | 5,132 |
| Pretax return on assets | 0.5422% | 5,155 |
| Return on Equity (ROE) | 5.9236% | 4,194 |
| Retained earnings to average equity (ytd only) | 5.3130% | 2,748 |
| Net charge-offs to loans | 0.2492% | 1,562 |
| Credit loss provision to net charge-offs | 69.3642% | 2,483 |
| Earnings coverage of net charge-offs (x) | 3.6455% | 3,249 |
| Efficiency ratio | 84.5450% | 1,438 |
| Assets per employee ($millions) | 4.1517% | 3,546 |
| Cash dividends to net income (ytd only)* | 10.3072% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7298% | 6,127 |
| Loan loss allowance to noncurrent loans | 70.6221% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 0.7586% | 3,694 |
| Noncurrent loans to loans | 1.0334% | 3,168 |
| Net loans and leases to total assets | 63.1538% | 3,217 |
| Net loans and leases to deposits | 74.7389% | 3,239 |
| Net loans and leases to core deposits | 84.8539% | 2,636 |
| Total domestic deposits to total assets | 84.4993% | 3,725 |
| Equity capital to assets | 7.6792% | 6,302 |
| Core capital (leverage) ratio | 7.0642% | 6,417 |
| Tier 1 risk-based capital ratio | 14.0248% | 4,248 |
| Total risk-based capital ratio | 14.9363% | 4,409 |
| Memoranda: | ||
| Average total assets | $665,091,000 | 1,018 |
| Average earning assets | $619,366,670 | 1,000 |
| Average equity | $49,463,330 | 1,455 |
| Average total loans | $416,460,330 | 1,048 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6254% | 5,085 |
| Cost of funding earning assets | 0.3770% | 4,232 |
| Net interest margin | 3.2484% | 4,747 |
| Noninterest income to average assets | 0.5339% | 3,159 |
| Noninterest expense to average assets | 3.2098% | 2,201 |
| Loan and lease loss provision to assets | 0.1642% | 1,481 |
| Net operating income to assets | 0.2097% | 5,772 |
| Return on assets (ROA) | 0.2097% | 5,827 |
| Pretax return on assets | 0.1696% | 5,978 |
| Return on Equity (ROE) | 2.8660% | 5,507 |
| Retained earnings to average equity (ytd only) | 2.2436% | 4,706 |
| Net charge-offs to loans | 0.4398% | 826 |
| Credit loss provision to net charge-offs | 60.0877% | 2,106 |
| Earnings coverage of net charge-offs (x) | 1.2215% | 3,141 |
| Efficiency ratio | 90.5817% | 981 |
| Assets per employee ($millions) | 4.2684% | 3,405 |
| Cash dividends to net income (ytd only)* | 21.7143% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7310% | 6,224 |
| Loan loss allowance to noncurrent loans | 70.6620% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 0.7156% | 3,969 |
| Noncurrent loans to loans | 1.0345% | 3,358 |
| Net loans and leases to total assets | 59.7427% | 3,604 |
| Net loans and leases to deposits | 70.2728% | 3,565 |
| Net loans and leases to core deposits | 81.4383% | 2,802 |
| Total domestic deposits to total assets | 85.0155% | 3,858 |
| Equity capital to assets | 7.1201% | 6,415 |
| Core capital (leverage) ratio | 7.0049% | 6,468 |
| Tier 1 risk-based capital ratio | 13.6518% | 4,579 |
| Total risk-based capital ratio | 14.5563% | 4,750 |
| Memoranda: | ||
| Average total assets | $667,575,000 | 1,020 |
| Average earning assets | $618,524,500 | 1,009 |
| Average equity | $48,849,000 | 1,467 |
| Average total loans | $414,711,500 | 1,056 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7802% | 4,878 |
| Cost of funding earning assets | 0.3949% | 4,703 |
| Net interest margin | 3.3853% | 4,337 |
| Noninterest income to average assets | 0.6038% | 3,074 |
| Noninterest expense to average assets | 2.9805% | 3,110 |
| Loan and lease loss provision to assets | 0.0572% | 3,999 |
| Net operating income to assets | 0.5522% | 4,495 |
| Return on assets (ROA) | 0.5657% | 4,538 |
| Pretax return on assets | 0.7168% | 4,476 |
| Return on Equity (ROE) | 7.1678% | 3,481 |
| Retained earnings to average equity (ytd only) | 6.5373% | 1,662 |
| Net charge-offs to loans | 0.0960% | 3,881 |
| Credit loss provision to net charge-offs | 96.1749% | 2,599 |
| Earnings coverage of net charge-offs (x) | 12.7186% | 2,099 |
| Efficiency ratio | 79.7477% | 2,189 |
| Assets per employee ($millions) | 3.9489% | 3,968 |
| Cash dividends to net income (ytd only)* | 8.7956% | 4,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7801% | 6,213 |
| Loan loss allowance to noncurrent loans | 70.0109% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 0.7519% | 4,003 |
| Noncurrent loans to loans | 1.1143% | 3,311 |
| Net loans and leases to total assets | 63.7047% | 3,092 |
| Net loans and leases to deposits | 76.8930% | 2,870 |
| Net loans and leases to core deposits | 88.2494% | 2,218 |
| Total domestic deposits to total assets | 82.8485% | 4,592 |
| Equity capital to assets | 7.5293% | 6,269 |
| Core capital (leverage) ratio | 7.3059% | 6,443 |
| Tier 1 risk-based capital ratio | 13.7148% | 4,509 |
| Total risk-based capital ratio | 14.6829% | 4,639 |
| Memoranda: | ||
| Average total assets | $614,989,400 | 1,085 |
| Average earning assets | $569,288,400 | 1,069 |
| Average equity | $48,536,800 | 1,455 |
| Average total loans | $381,055,400 | 1,120 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7863% | 4,911 |
| Cost of funding earning assets | 0.4062% | 4,775 |
| Net interest margin | 3.3801% | 4,355 |
| Noninterest income to average assets | 0.6166% | 3,051 |
| Noninterest expense to average assets | 3.0188% | 2,927 |
| Loan and lease loss provision to assets | 0.0772% | 3,516 |
| Net operating income to assets | 0.5203% | 4,716 |
| Return on assets (ROA) | 0.5203% | 4,868 |
| Pretax return on assets | 0.6403% | 4,883 |
| Return on Equity (ROE) | 6.5134% | 3,918 |
| Retained earnings to average equity (ytd only) | 5.8791% | 2,487 |
| Net charge-offs to loans | 0.1051% | 3,483 |
| Credit loss provision to net charge-offs | 119.7279% | 1,973 |
| Earnings coverage of net charge-offs (x) | 11.1258% | 2,276 |
| Efficiency ratio | 80.7961% | 1,999 |
| Assets per employee ($millions) | 3.8607% | 4,114 |
| Cash dividends to net income (ytd only)* | 9.7385% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8444% | 6,191 |
| Loan loss allowance to noncurrent loans | 65.9992% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 0.8347% | 4,028 |
| Noncurrent loans to loans | 1.2794% | 3,268 |
| Net loans and leases to total assets | 62.6567% | 3,230 |
| Net loans and leases to deposits | 74.5555% | 3,150 |
| Net loans and leases to core deposits | 81.1178% | 2,986 |
| Total domestic deposits to total assets | 84.0404% | 4,172 |
| Equity capital to assets | 7.7758% | 6,269 |
| Core capital (leverage) ratio | 7.4487% | 6,472 |
| Tier 1 risk-based capital ratio | 14.1384% | 4,329 |
| Total risk-based capital ratio | 15.1794% | 4,435 |
| Memoranda: | ||
| Average total assets | $607,819,250 | 1,104 |
| Average earning assets | $560,987,250 | 1,089 |
| Average equity | $48,555,000 | 1,463 |
| Average total loans | $373,001,250 | 1,141 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7684% | 4,934 |
| Cost of funding earning assets | 0.4216% | 4,739 |
| Net interest margin | 3.3468% | 4,391 |
| Noninterest income to average assets | 0.7050% | 2,608 |
| Noninterest expense to average assets | 3.0206% | 2,932 |
| Loan and lease loss provision to assets | 0.1661% | 2,248 |
| Net operating income to assets | 0.4933% | 4,832 |
| Return on assets (ROA) | 0.4933% | 5,006 |
| Pretax return on assets | 0.5962% | 5,025 |
| Return on Equity (ROE) | 6.1195% | 4,100 |
| Retained earnings to average equity (ytd only) | 5.4916% | 2,749 |
| Net charge-offs to loans | 0.1285% | 3,095 |
| Credit loss provision to net charge-offs | 212.7119% | 1,137 |
| Earnings coverage of net charge-offs (x) | 9.7627% | 2,242 |
| Efficiency ratio | 79.8496% | 2,178 |
| Assets per employee ($millions) | 3.8279% | 4,150 |
| Cash dividends to net income (ytd only)* | 10.2616% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 6,009 |
| Loan loss allowance to noncurrent loans | 70.4747% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 0.8761% | 4,049 |
| Noncurrent loans to loans | 1.3409% | 3,312 |
| Net loans and leases to total assets | 60.3492% | 3,599 |
| Net loans and leases to deposits | 71.1954% | 3,563 |
| Net loans and leases to core deposits | 77.3506% | 3,377 |
| Total domestic deposits to total assets | 84.7656% | 4,013 |
| Equity capital to assets | 7.9012% | 6,269 |
| Core capital (leverage) ratio | 7.3404% | 6,513 |
| Tier 1 risk-based capital ratio | 14.3258% | 4,209 |
| Total risk-based capital ratio | 15.4670% | 4,237 |
| Memoranda: | ||
| Average total assets | $604,520,670 | 1,111 |
| Average earning assets | $555,938,000 | 1,102 |
| Average equity | $48,729,330 | 1,466 |
| Average total loans | $367,223,000 | 1,158 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7493% | 4,993 |
| Cost of funding earning assets | 0.4425% | 4,678 |
| Net interest margin | 3.3069% | 4,491 |
| Noninterest income to average assets | 0.7356% | 2,400 |
| Noninterest expense to average assets | 3.1364% | 2,555 |
| Loan and lease loss provision to assets | 0.2317% | 1,579 |
| Net operating income to assets | 0.3831% | 5,196 |
| Return on assets (ROA) | 0.3831% | 5,341 |
| Pretax return on assets | 0.4143% | 5,520 |
| Return on Equity (ROE) | 4.7055% | 4,734 |
| Retained earnings to average equity (ytd only) | 4.0694% | 3,780 |
| Net charge-offs to loans | 0.0952% | 2,898 |
| Credit loss provision to net charge-offs | 401.1494% | 632 |
| Earnings coverage of net charge-offs (x) | 11.1839% | 1,676 |
| Efficiency ratio | 82.9208% | 1,900 |
| Assets per employee ($millions) | 3.9407% | 4,079 |
| Cash dividends to net income (ytd only)* | 13.5182% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9568% | 6,117 |
| Loan loss allowance to noncurrent loans | 69.0880% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 0.8508% | 4,255 |
| Noncurrent loans to loans | 1.3849% | 3,490 |
| Net loans and leases to total assets | 58.5606% | 3,685 |
| Net loans and leases to deposits | 70.5461% | 3,382 |
| Net loans and leases to core deposits | 76.2702% | 3,282 |
| Total domestic deposits to total assets | 83.0104% | 4,851 |
| Equity capital to assets | 7.9429% | 6,414 |
| Core capital (leverage) ratio | 7.3203% | 6,536 |
| Tier 1 risk-based capital ratio | 14.2005% | 4,364 |
| Total risk-based capital ratio | 15.3554% | 4,383 |
| Memoranda: | ||
| Average total assets | $602,466,500 | 1,125 |
| Average earning assets | $555,088,000 | 1,110 |
| Average equity | $49,049,500 | 1,476 |
| Average total loans | $365,431,000 | 1,171 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0619% | 5,100 |
| Cost of funding earning assets | 0.5308% | 4,991 |
| Net interest margin | 3.5311% | 4,368 |
| Noninterest income to average assets | 0.7539% | 2,477 |
| Noninterest expense to average assets | 3.0385% | 3,140 |
| Loan and lease loss provision to assets | 0.1498% | 3,735 |
| Net operating income to assets | 0.6150% | 4,170 |
| Return on assets (ROA) | 0.6475% | 4,260 |
| Pretax return on assets | 0.8328% | 4,172 |
| Return on Equity (ROE) | 8.2192% | 2,997 |
| Retained earnings to average equity (ytd only) | 7.5246% | 1,321 |
| Net charge-offs to loans | 0.2041% | 3,747 |
| Credit loss provision to net charge-offs | 124.8588% | 2,271 |
| Earnings coverage of net charge-offs (x) | 7.8446% | 2,518 |
| Efficiency ratio | 76.3559% | 2,688 |
| Assets per employee ($millions) | 3.7580% | 4,451 |
| Cash dividends to net income (ytd only)* | 8.4511% | 4,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8870% | 6,291 |
| Loan loss allowance to noncurrent loans | 69.4552% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 0.7952% | 4,478 |
| Noncurrent loans to loans | 1.2771% | 3,702 |
| Net loans and leases to total assets | 61.7176% | 3,298 |
| Net loans and leases to deposits | 74.0469% | 3,078 |
| Net loans and leases to core deposits | 80.4831% | 2,942 |
| Total domestic deposits to total assets | 83.3493% | 4,585 |
| Equity capital to assets | 8.3510% | 6,159 |
| Core capital (leverage) ratio | 7.2704% | 6,601 |
| Tier 1 risk-based capital ratio | 14.1446% | 4,279 |
| Total risk-based capital ratio | 15.2220% | 4,368 |
| Memoranda: | ||
| Average total assets | $590,289,600 | 1,123 |
| Average earning assets | $539,203,800 | 1,122 |
| Average equity | $46,500,800 | 1,501 |
| Average total loans | $346,832,000 | 1,213 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0864% | 5,240 |
| Cost of funding earning assets | 0.5440% | 5,132 |
| Net interest margin | 3.5424% | 4,480 |
| Noninterest income to average assets | 0.6747% | 2,853 |
| Noninterest expense to average assets | 3.0188% | 3,174 |
| Loan and lease loss provision to assets | 0.1466% | 3,706 |
| Net operating income to assets | 0.5767% | 4,490 |
| Return on assets (ROA) | 0.5799% | 4,754 |
| Pretax return on assets | 0.7274% | 4,759 |
| Return on Equity (ROE) | 7.4733% | 3,543 |
| Retained earnings to average equity (ytd only) | 6.7672% | 2,241 |
| Net charge-offs to loans | 0.2146% | 3,441 |
| Credit loss provision to net charge-offs | 117.9673% | 2,455 |
| Earnings coverage of net charge-offs (x) | 7.0018% | 2,678 |
| Efficiency ratio | 77.6296% | 2,441 |
| Assets per employee ($millions) | 3.8233% | 4,245 |
| Cash dividends to net income (ytd only)* | 9.4478% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 6,384 |
| Loan loss allowance to noncurrent loans | 71.9226% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 0.7459% | 4,827 |
| Noncurrent loans to loans | 1.2503% | 3,966 |
| Net loans and leases to total assets | 57.6644% | 4,184 |
| Net loans and leases to deposits | 70.5741% | 3,817 |
| Net loans and leases to core deposits | 76.9457% | 3,610 |
| Total domestic deposits to total assets | 81.7076% | 5,124 |
| Equity capital to assets | 7.9161% | 6,629 |
| Core capital (leverage) ratio | 7.1845% | 6,756 |
| Tier 1 risk-based capital ratio | 14.1714% | 4,398 |
| Total risk-based capital ratio | 15.2531% | 4,472 |
| Memoranda: | ||
| Average total assets | $591,301,750 | 1,134 |
| Average earning assets | $536,494,750 | 1,144 |
| Average equity | $45,886,750 | 1,530 |
| Average total loans | $342,277,000 | 1,242 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1299% | 5,198 |
| Cost of funding earning assets | 0.5571% | 5,251 |
| Net interest margin | 3.5728% | 4,374 |
| Noninterest income to average assets | 0.6814% | 2,765 |
| Noninterest expense to average assets | 3.0468% | 3,106 |
| Loan and lease loss provision to assets | 0.1884% | 3,213 |
| Net operating income to assets | 0.5630% | 4,519 |
| Return on assets (ROA) | 0.5679% | 4,778 |
| Pretax return on assets | 0.7100% | 4,807 |
| Return on Equity (ROE) | 7.3692% | 3,581 |
| Retained earnings to average equity (ytd only) | 6.6531% | 2,301 |
| Net charge-offs to loans | 0.2919% | 2,862 |
| Credit loss provision to net charge-offs | 111.7172% | 2,436 |
| Earnings coverage of net charge-offs (x) | 5.2909% | 2,864 |
| Efficiency ratio | 77.3482% | 2,546 |
| Assets per employee ($millions) | 3.6307% | 4,680 |
| Cash dividends to net income (ytd only)* | 9.7181% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8965% | 6,465 |
| Loan loss allowance to noncurrent loans | 69.3025% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 0.8318% | 4,726 |
| Noncurrent loans to loans | 1.2937% | 3,985 |
| Net loans and leases to total assets | 59.0002% | 3,993 |
| Net loans and leases to deposits | 71.0477% | 3,759 |
| Net loans and leases to core deposits | 77.0462% | 3,650 |
| Total domestic deposits to total assets | 83.0431% | 4,739 |
| Equity capital to assets | 7.9472% | 6,597 |
| Core capital (leverage) ratio | 6.9884% | 6,824 |
| Tier 1 risk-based capital ratio | 13.9911% | 4,456 |
| Total risk-based capital ratio | 15.0662% | 4,557 |
| Memoranda: | ||
| Average total assets | $587,040,000 | 1,145 |
| Average earning assets | $535,264,670 | 1,142 |
| Average equity | $45,242,330 | 1,542 |
| Average total loans | $339,201,330 | 1,258 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2101% | 5,071 |
| Cost of funding earning assets | 0.5727% | 5,339 |
| Net interest margin | 3.6374% | 4,097 |
| Noninterest income to average assets | 0.6840% | 2,736 |
| Noninterest expense to average assets | 3.0312% | 3,150 |
| Loan and lease loss provision to assets | 0.2081% | 2,868 |
| Net operating income to assets | 0.5813% | 4,433 |
| Return on assets (ROA) | 0.5813% | 4,655 |
| Pretax return on assets | 0.7398% | 4,652 |
| Return on Equity (ROE) | 7.6620% | 3,425 |
| Retained earnings to average equity (ytd only) | 6.9182% | 2,475 |
| Net charge-offs to loans | 0.2581% | 2,638 |
| Credit loss provision to net charge-offs | 141.6667% | 1,742 |
| Earnings coverage of net charge-offs (x) | 6.4537% | 2,207 |
| Efficiency ratio | 76.1791% | 2,761 |
| Assets per employee ($millions) | 3.7475% | 4,541 |
| Cash dividends to net income (ytd only)* | 9.7076% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9348% | 6,456 |
| Loan loss allowance to noncurrent loans | 67.1639% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 0.8480% | 4,836 |
| Noncurrent loans to loans | 1.3919% | 4,021 |
| Net loans and leases to total assets | 56.0566% | 4,372 |
| Net loans and leases to deposits | 68.6576% | 3,933 |
| Net loans and leases to core deposits | 72.2656% | 4,108 |
| Total domestic deposits to total assets | 81.6467% | 5,411 |
| Equity capital to assets | 7.5170% | 6,773 |
| Core capital (leverage) ratio | 6.9510% | 6,857 |
| Tier 1 risk-based capital ratio | 14.0730% | 4,418 |
| Total risk-based capital ratio | 15.1851% | 4,484 |
| Memoranda: | ||
| Average total assets | $588,286,500 | 1,141 |
| Average earning assets | $532,903,000 | 1,150 |
| Average equity | $44,636,000 | 1,554 |
| Average total loans | $334,800,000 | 1,265 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3580% | 5,578 |
| Cost of funding earning assets | 0.6600% | 5,770 |
| Net interest margin | 3.6981% | 4,303 |
| Noninterest income to average assets | 0.5663% | 3,384 |
| Noninterest expense to average assets | 3.0333% | 3,468 |
| Loan and lease loss provision to assets | 0.1571% | 4,671 |
| Net operating income to assets | 0.5271% | 4,317 |
| Return on assets (ROA) | 0.5367% | 4,475 |
| Pretax return on assets | 0.7220% | 4,245 |
| Return on Equity (ROE) | 7.2259% | 3,296 |
| Retained earnings to average equity (ytd only) | 6.3698% | 1,821 |
| Net charge-offs to loans | 0.6879% | 2,433 |
| Credit loss provision to net charge-offs | 40.4169% | 5,618 |
| Earnings coverage of net charge-offs (x) | 2.2279% | 4,113 |
| Efficiency ratio | 77.7893% | 2,618 |
| Assets per employee ($millions) | 3.7955% | 4,324 |
| Cash dividends to net income (ytd only)* | 11.8477% | 3,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9211% | 6,482 |
| Loan loss allowance to noncurrent loans | 57.0630% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 1.0434% | 4,521 |
| Noncurrent loans to loans | 1.6142% | 3,738 |
| Net loans and leases to total assets | 56.7177% | 4,591 |
| Net loans and leases to deposits | 69.0177% | 4,272 |
| Net loans and leases to core deposits | 72.1405% | 4,505 |
| Total domestic deposits to total assets | 82.1785% | 5,068 |
| Equity capital to assets | 7.6597% | 6,743 |
| Core capital (leverage) ratio | 6.9795% | 6,872 |
| Tier 1 risk-based capital ratio | 13.9780% | 4,341 |
| Total risk-based capital ratio | 15.0727% | 4,416 |
| Memoranda: | ||
| Average total assets | $567,725,800 | 1,164 |
| Average earning assets | $511,697,600 | 1,177 |
| Average equity | $42,168,000 | 1,595 |
| Average total loans | $320,818,600 | 1,322 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3795% | 5,676 |
| Cost of funding earning assets | 0.6802% | 5,875 |
| Net interest margin | 3.6993% | 4,333 |
| Noninterest income to average assets | 0.5362% | 3,610 |
| Noninterest expense to average assets | 3.0663% | 3,295 |
| Loan and lease loss provision to assets | 0.1986% | 4,041 |
| Net operating income to assets | 0.4527% | 4,762 |
| Return on assets (ROA) | 0.4653% | 4,890 |
| Pretax return on assets | 0.6146% | 4,760 |
| Return on Equity (ROE) | 6.3155% | 3,869 |
| Retained earnings to average equity (ytd only) | 5.4050% | 2,906 |
| Net charge-offs to loans | 0.8778% | 1,818 |
| Credit loss provision to net charge-offs | 40.1816% | 5,235 |
| Earnings coverage of net charge-offs (x) | 1.6116% | 4,439 |
| Efficiency ratio | 79.3763% | 2,350 |
| Assets per employee ($millions) | 3.9016% | 4,069 |
| Cash dividends to net income (ytd only)* | 14.4164% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9587% | 6,426 |
| Loan loss allowance to noncurrent loans | 75.7209% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 0.8022% | 5,168 |
| Noncurrent loans to loans | 1.2661% | 4,417 |
| Net loans and leases to total assets | 53.7294% | 5,205 |
| Net loans and leases to deposits | 66.2640% | 4,863 |
| Net loans and leases to core deposits | 68.5774% | 5,110 |
| Total domestic deposits to total assets | 81.0838% | 5,405 |
| Equity capital to assets | 7.2394% | 7,006 |
| Core capital (leverage) ratio | 6.8432% | 6,994 |
| Tier 1 risk-based capital ratio | 13.9363% | 4,399 |
| Total risk-based capital ratio | 15.0786% | 4,449 |
| Memoranda: | ||
| Average total assets | $564,479,000 | 1,182 |
| Average earning assets | $507,653,750 | 1,194 |
| Average equity | $41,589,750 | 1,623 |
| Average total loans | $317,916,000 | 1,350 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4192% | 5,623 |
| Cost of funding earning assets | 0.6942% | 6,000 |
| Net interest margin | 3.7250% | 4,150 |
| Noninterest income to average assets | 0.5399% | 3,561 |
| Noninterest expense to average assets | 3.1277% | 3,150 |
| Loan and lease loss provision to assets | 0.0608% | 5,545 |
| Net operating income to assets | 0.5452% | 4,323 |
| Return on assets (ROA) | 0.5634% | 4,373 |
| Pretax return on assets | 0.7828% | 4,091 |
| Return on Equity (ROE) | 7.5988% | 3,139 |
| Retained earnings to average equity (ytd only) | 6.5928% | 2,086 |
| Net charge-offs to loans | 0.1561% | 4,249 |
| Credit loss provision to net charge-offs | 68.2927% | 4,102 |
| Earnings coverage of net charge-offs (x) | 9.1870% | 1,953 |
| Efficiency ratio | 79.2622% | 2,510 |
| Assets per employee ($millions) | 3.6467% | 4,575 |
| Cash dividends to net income (ytd only)* | 13.2391% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 4,800 |
| Loan loss allowance to noncurrent loans | 70.2910% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.1700% | 4,550 |
| Noncurrent loans to loans | 1.9296% | 3,567 |
| Net loans and leases to total assets | 56.0387% | 4,987 |
| Net loans and leases to deposits | 67.9389% | 4,717 |
| Net loans and leases to core deposits | 71.3580% | 4,903 |
| Total domestic deposits to total assets | 82.4839% | 4,994 |
| Equity capital to assets | 7.6108% | 6,898 |
| Core capital (leverage) ratio | 6.7189% | 7,074 |
| Tier 1 risk-based capital ratio | 13.8425% | 4,278 |
| Total risk-based capital ratio | 15.0965% | 4,245 |
| Memoranda: | ||
| Average total assets | $552,355,330 | 1,215 |
| Average earning assets | $505,074,000 | 1,208 |
| Average equity | $40,953,670 | 1,637 |
| Average total loans | $315,235,330 | 1,369 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3234% | 5,938 |
| Cost of funding earning assets | 0.7014% | 6,127 |
| Net interest margin | 3.6219% | 4,476 |
| Noninterest income to average assets | 0.4629% | 4,166 |
| Noninterest expense to average assets | 3.0635% | 3,409 |
| Loan and lease loss provision to assets | 0.0750% | 5,062 |
| Net operating income to assets | 0.4826% | 4,561 |
| Return on assets (ROA) | 0.4826% | 4,642 |
| Pretax return on assets | 0.6580% | 4,461 |
| Return on Equity (ROE) | 6.5973% | 3,579 |
| Retained earnings to average equity (ytd only) | 5.2838% | 3,019 |
| Net charge-offs to loans | 0.2239% | 3,194 |
| Credit loss provision to net charge-offs | 58.5227% | 3,569 |
| Earnings coverage of net charge-offs (x) | 5.7216% | 2,220 |
| Efficiency ratio | 80.6940% | 2,411 |
| Assets per employee ($millions) | 3.8078% | 4,280 |
| Cash dividends to net income (ytd only)* | 19.9095% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3660% | 4,822 |
| Loan loss allowance to noncurrent loans | 73.3470% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 1.1263% | 4,676 |
| Noncurrent loans to loans | 1.8624% | 3,743 |
| Net loans and leases to total assets | 54.4096% | 5,244 |
| Net loans and leases to deposits | 66.4015% | 4,913 |
| Net loans and leases to core deposits | 70.0255% | 5,036 |
| Total domestic deposits to total assets | 81.9403% | 5,340 |
| Equity capital to assets | 7.0873% | 7,055 |
| Core capital (leverage) ratio | 6.7526% | 7,097 |
| Tier 1 risk-based capital ratio | 13.3889% | 4,512 |
| Total risk-based capital ratio | 14.6427% | 4,492 |
| Memoranda: | ||
| Average total assets | $549,560,500 | 1,228 |
| Average earning assets | $505,810,500 | 1,211 |
| Average equity | $40,198,500 | 1,658 |
| Average total loans | $314,371,000 | 1,385 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8347% | 5,295 |
| Cost of funding earning assets | 0.8905% | 6,200 |
| Net interest margin | 3.9442% | 3,286 |
| Noninterest income to average assets | 0.5679% | 3,693 |
| Noninterest expense to average assets | 3.1530% | 3,262 |
| Loan and lease loss provision to assets | 0.4761% | 3,280 |
| Net operating income to assets | 0.3699% | 4,678 |
| Return on assets (ROA) | 0.4406% | 4,521 |
| Pretax return on assets | 0.5843% | 4,374 |
| Return on Equity (ROE) | 5.7284% | 3,723 |
| Retained earnings to average equity (ytd only) | 4.9463% | 2,444 |
| Net charge-offs to loans | 0.3477% | 4,276 |
| Credit loss provision to net charge-offs | 227.5576% | 1,293 |
| Earnings coverage of net charge-offs (x) | 4.6175% | 2,865 |
| Efficiency ratio | 76.5460% | 2,954 |
| Assets per employee ($millions) | 3.5433% | 4,840 |
| Cash dividends to net income (ytd only)* | 13.6543% | 3,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 4,537 |
| Loan loss allowance to noncurrent loans | 65.2504% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 1.3486% | 4,320 |
| Noncurrent loans to loans | 2.1386% | 3,384 |
| Net loans and leases to total assets | 58.5830% | 4,941 |
| Net loans and leases to deposits | 73.8124% | 4,225 |
| Net loans and leases to core deposits | 75.6000% | 4,771 |
| Total domestic deposits to total assets | 79.3675% | 5,996 |
| Equity capital to assets | 7.5606% | 6,845 |
| Core capital (leverage) ratio | 6.7700% | 7,122 |
| Tier 1 risk-based capital ratio | 13.4443% | 4,258 |
| Total risk-based capital ratio | 14.6987% | 4,225 |
| Memoranda: | ||
| Average total assets | $518,582,800 | 1,287 |
| Average earning assets | $466,917,400 | 1,316 |
| Average equity | $39,888,800 | 1,663 |
| Average total loans | $312,052,400 | 1,438 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9340% | 5,116 |
| Cost of funding earning assets | 0.9181% | 6,317 |
| Net interest margin | 4.0159% | 3,025 |
| Noninterest income to average assets | 0.5225% | 4,009 |
| Noninterest expense to average assets | 3.1858% | 2,977 |
| Loan and lease loss provision to assets | 0.2528% | 4,564 |
| Net operating income to assets | 0.4795% | 4,404 |
| Return on assets (ROA) | 0.5264% | 4,374 |
| Pretax return on assets | 0.7288% | 4,147 |
| Return on Equity (ROE) | 6.8133% | 3,425 |
| Retained earnings to average equity (ytd only) | 6.0343% | 2,336 |
| Net charge-offs to loans | 0.3530% | 3,890 |
| Credit loss provision to net charge-offs | 118.6667% | 3,491 |
| Earnings coverage of net charge-offs (x) | 4.3018% | 3,111 |
| Efficiency ratio | 77.6568% | 2,667 |
| Assets per employee ($millions) | 3.6500% | 4,617 |
| Cash dividends to net income (ytd only)* | 11.4328% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 6,360 |
| Loan loss allowance to noncurrent loans | 46.7608% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 1.3348% | 4,488 |
| Noncurrent loans to loans | 2.1542% | 3,506 |
| Net loans and leases to total assets | 57.6400% | 5,311 |
| Net loans and leases to deposits | 71.9833% | 4,846 |
| Net loans and leases to core deposits | 74.7010% | 5,205 |
| Total domestic deposits to total assets | 80.0741% | 5,681 |
| Equity capital to assets | 7.7089% | 6,993 |
| Core capital (leverage) ratio | 7.0467% | 7,141 |
| Tier 1 risk-based capital ratio | 13.5695% | 4,146 |
| Total risk-based capital ratio | 14.7644% | 4,148 |
| Memoranda: | ||
| Average total assets | $516,241,500 | 1,306 |
| Average earning assets | $460,193,250 | 1,343 |
| Average equity | $39,882,000 | 1,674 |
| Average total loans | $311,649,250 | 1,459 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9734% | 5,062 |
| Cost of funding earning assets | 0.9276% | 6,472 |
| Net interest margin | 4.0458% | 2,812 |
| Noninterest income to average assets | 0.5249% | 3,920 |
| Noninterest expense to average assets | 3.2088% | 2,872 |
| Loan and lease loss provision to assets | 0.3093% | 3,908 |
| Net operating income to assets | 0.4631% | 4,495 |
| Return on assets (ROA) | 0.5343% | 4,326 |
| Pretax return on assets | 0.7459% | 4,080 |
| Return on Equity (ROE) | 6.9106% | 3,348 |
| Retained earnings to average equity (ytd only) | 6.1388% | 2,258 |
| Net charge-offs to loans | 0.3944% | 3,398 |
| Credit loss provision to net charge-offs | 128.3388% | 3,131 |
| Earnings coverage of net charge-offs (x) | 3.9674% | 3,109 |
| Efficiency ratio | 77.0405% | 2,891 |
| Assets per employee ($millions) | 3.4725% | 4,990 |
| Cash dividends to net income (ytd only)* | 11.1683% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 6,330 |
| Loan loss allowance to noncurrent loans | 48.9490% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 1.3430% | 4,475 |
| Noncurrent loans to loans | 2.0763% | 3,624 |
| Net loans and leases to total assets | 60.0170% | 5,053 |
| Net loans and leases to deposits | 73.9853% | 4,676 |
| Net loans and leases to core deposits | 75.6615% | 5,232 |
| Total domestic deposits to total assets | 81.1201% | 5,363 |
| Equity capital to assets | 7.8346% | 6,894 |
| Core capital (leverage) ratio | 6.9602% | 7,215 |
| Tier 1 risk-based capital ratio | 11.7050% | 5,580 |
| Total risk-based capital ratio | 12.7588% | 5,734 |
| Memoranda: | ||
| Average total assets | $509,472,670 | 1,329 |
| Average earning assets | $458,396,670 | 1,352 |
| Average equity | $39,388,670 | 1,687 |
| Average total loans | $311,394,670 | 1,474 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0277% | 4,896 |
| Cost of funding earning assets | 0.9402% | 6,619 |
| Net interest margin | 4.0875% | 2,493 |
| Noninterest income to average assets | 0.5220% | 3,877 |
| Noninterest expense to average assets | 3.1961% | 2,881 |
| Loan and lease loss provision to assets | 0.5244% | 2,402 |
| Net operating income to assets | 0.3564% | 5,045 |
| Return on assets (ROA) | 0.3564% | 5,171 |
| Pretax return on assets | 0.4597% | 5,086 |
| Return on Equity (ROE) | 4.6417% | 4,564 |
| Retained earnings to average equity (ytd only) | 3.8613% | 3,823 |
| Net charge-offs to loans | 0.2763% | 3,311 |
| Credit loss provision to net charge-offs | 309.3023% | 1,273 |
| Earnings coverage of net charge-offs (x) | 5.8047% | 2,333 |
| Efficiency ratio | 76.4573% | 3,139 |
| Assets per employee ($millions) | 3.5163% | 4,991 |
| Cash dividends to net income (ytd only)* | 16.8142% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1120% | 5,950 |
| Loan loss allowance to noncurrent loans | 77.5800% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 0.9422% | 5,260 |
| Noncurrent loans to loans | 1.4334% | 4,588 |
| Net loans and leases to total assets | 59.2319% | 5,252 |
| Net loans and leases to deposits | 73.6595% | 4,795 |
| Net loans and leases to core deposits | 75.4313% | 5,336 |
| Total domestic deposits to total assets | 80.4131% | 5,651 |
| Equity capital to assets | 7.5647% | 7,019 |
| Core capital (leverage) ratio | 6.8843% | 7,311 |
| Tier 1 risk-based capital ratio | 13.2849% | 4,137 |
| Total risk-based capital ratio | 14.5357% | 4,085 |
| Memoranda: | ||
| Average total assets | $507,247,500 | 1,365 |
| Average earning assets | $453,969,000 | 1,394 |
| Average equity | $38,951,000 | 1,725 |
| Average total loans | $311,288,000 | 1,516 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3608% | 4,885 |
| Cost of funding earning assets | 1.2332% | 6,533 |
| Net interest margin | 4.1276% | 2,333 |
| Noninterest income to average assets | 0.6331% | 3,406 |
| Noninterest expense to average assets | 3.2400% | 3,234 |
| Loan and lease loss provision to assets | 0.3720% | 4,550 |
| Net operating income to assets | 0.5953% | 3,348 |
| Return on assets (ROA) | 0.6727% | 3,099 |
| Pretax return on assets | 0.9279% | 2,833 |
| Return on Equity (ROE) | 9.3111% | 1,918 |
| Retained earnings to average equity (ytd only) | 8.0655% | 682 |
| Net charge-offs to loans | 0.5536% | 3,569 |
| Credit loss provision to net charge-offs | 107.5740% | 5,152 |
| Earnings coverage of net charge-offs (x) | 3.4482% | 3,339 |
| Efficiency ratio | 73.0985% | 4,073 |
| Assets per employee ($millions) | 3.4555% | 5,116 |
| Cash dividends to net income (ytd only)* | 13.3782% | 3,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9563% | 6,604 |
| Loan loss allowance to noncurrent loans | 68.8679% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 0.8734% | 5,367 |
| Noncurrent loans to loans | 1.3887% | 4,598 |
| Net loans and leases to total assets | 62.2937% | 4,927 |
| Net loans and leases to deposits | 76.1301% | 4,723 |
| Net loans and leases to core deposits | 84.8842% | 5,632 |
| Total domestic deposits to total assets | 81.8253% | 5,023 |
| Equity capital to assets | 7.7975% | 6,770 |
| Core capital (leverage) ratio | 6.7683% | 7,384 |
| Tier 1 risk-based capital ratio | 13.0142% | 4,133 |
| Total risk-based capital ratio | 14.1541% | 4,159 |
| Memoranda: | ||
| Average total assets | $507,813,600 | 1,355 |
| Average earning assets | $467,409,400 | 1,346 |
| Average equity | $36,687,200 | 1,835 |
| Average total loans | $317,200,400 | 1,514 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3868% | 5,014 |
| Cost of funding earning assets | 1.2937% | 6,575 |
| Net interest margin | 4.0931% | 2,426 |
| Noninterest income to average assets | 0.6445% | 3,383 |
| Noninterest expense to average assets | 3.3118% | 2,869 |
| Loan and lease loss provision to assets | 0.2978% | 4,580 |
| Net operating income to assets | 0.6012% | 3,598 |
| Return on assets (ROA) | 0.6698% | 3,377 |
| Pretax return on assets | 0.9196% | 3,165 |
| Return on Equity (ROE) | 9.4543% | 2,114 |
| Retained earnings to average equity (ytd only) | 8.0642% | 1,118 |
| Net charge-offs to loans | 0.4931% | 3,255 |
| Credit loss provision to net charge-offs | 96.8564% | 5,274 |
| Earnings coverage of net charge-offs (x) | 3.6534% | 3,437 |
| Efficiency ratio | 74.6716% | 3,748 |
| Assets per employee ($millions) | 3.4841% | 4,968 |
| Cash dividends to net income (ytd only)* | 14.7035% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8870% | 6,813 |
| Loan loss allowance to noncurrent loans | 57.5659% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 1.0026% | 5,072 |
| Noncurrent loans to loans | 1.5408% | 4,333 |
| Net loans and leases to total assets | 61.9257% | 5,257 |
| Net loans and leases to deposits | 76.4896% | 4,963 |
| Net loans and leases to core deposits | 85.3496% | 5,934 |
| Total domestic deposits to total assets | 80.9596% | 5,093 |
| Equity capital to assets | 7.4878% | 7,304 |
| Core capital (leverage) ratio | 6.5003% | 7,677 |
| Tier 1 risk-based capital ratio | 12.4899% | 4,547 |
| Total risk-based capital ratio | 13.5460% | 4,651 |
| Memoranda: | ||
| Average total assets | $510,368,750 | 1,367 |
| Average earning assets | $472,650,500 | 1,357 |
| Average equity | $36,159,000 | 1,880 |
| Average total loans | $318,260,000 | 1,529 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4048% | 5,128 |
| Cost of funding earning assets | 1.3604% | 6,620 |
| Net interest margin | 4.0444% | 2,527 |
| Noninterest income to average assets | 0.6858% | 3,079 |
| Noninterest expense to average assets | 3.3484% | 2,802 |
| Loan and lease loss provision to assets | 0.2912% | 4,246 |
| Net operating income to assets | 0.6132% | 3,624 |
| Return on assets (ROA) | 0.6103% | 3,744 |
| Pretax return on assets | 0.8115% | 3,636 |
| Return on Equity (ROE) | 8.7792% | 2,433 |
| Retained earnings to average equity (ytd only) | 7.1461% | 1,528 |
| Net charge-offs to loans | 0.5025% | 2,821 |
| Credit loss provision to net charge-offs | 93.0000% | 4,838 |
| Earnings coverage of net charge-offs (x) | 3.5338% | 3,404 |
| Efficiency ratio | 75.1604% | 3,848 |
| Assets per employee ($millions) | 3.5427% | 4,702 |
| Cash dividends to net income (ytd only)* | 18.6017% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8746% | 6,879 |
| Loan loss allowance to noncurrent loans | 73.2306% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 0.7906% | 5,415 |
| Noncurrent loans to loans | 1.1943% | 4,829 |
| Net loans and leases to total assets | 60.2037% | 5,643 |
| Net loans and leases to deposits | 71.4171% | 5,820 |
| Net loans and leases to core deposits | 82.0777% | 6,233 |
| Total domestic deposits to total assets | 84.2987% | 3,596 |
| Equity capital to assets | 6.8685% | 7,676 |
| Core capital (leverage) ratio | 6.2593% | 7,867 |
| Tier 1 risk-based capital ratio | 11.6912% | 5,204 |
| Total risk-based capital ratio | 12.7084% | 5,349 |
| Memoranda: | ||
| Average total assets | $510,931,000 | 1,381 |
| Average earning assets | $476,168,330 | 1,360 |
| Average equity | $35,515,670 | 1,915 |
| Average total loans | $318,405,330 | 1,559 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5081% | 4,871 |
| Cost of funding earning assets | 1.4685% | 6,511 |
| Net interest margin | 4.0396% | 2,493 |
| Noninterest income to average assets | 0.6838% | 2,980 |
| Noninterest expense to average assets | 3.3411% | 2,533 |
| Loan and lease loss provision to assets | 0.2635% | 3,852 |
| Net operating income to assets | 0.6297% | 3,885 |
| Return on assets (ROA) | 0.6297% | 4,067 |
| Pretax return on assets | 0.8414% | 3,922 |
| Return on Equity (ROE) | 9.0026% | 2,721 |
| Retained earnings to average equity (ytd only) | 7.1816% | 2,141 |
| Net charge-offs to loans | 0.8055% | 1,605 |
| Credit loss provision to net charge-offs | 51.7997% | 4,651 |
| Earnings coverage of net charge-offs (x) | 2.1721% | 3,655 |
| Efficiency ratio | 75.1477% | 3,630 |
| Assets per employee ($millions) | 3.5498% | 4,699 |
| Cash dividends to net income (ytd only)* | 20.2276% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8039% | 7,145 |
| Loan loss allowance to noncurrent loans | 67.8904% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 0.7844% | 5,213 |
| Noncurrent loans to loans | 1.1841% | 4,606 |
| Net loans and leases to total assets | 59.9424% | 5,664 |
| Net loans and leases to deposits | 71.7535% | 5,774 |
| Net loans and leases to core deposits | 84.4553% | 6,029 |
| Total domestic deposits to total assets | 83.5393% | 3,906 |
| Equity capital to assets | 6.8194% | 7,760 |
| Core capital (leverage) ratio | 6.3796% | 7,919 |
| Tier 1 risk-based capital ratio | 11.6634% | 5,244 |
| Total risk-based capital ratio | 12.6061% | 5,449 |
| Memoranda: | ||
| Average total assets | $502,466,500 | 1,412 |
| Average earning assets | $467,966,500 | 1,391 |
| Average equity | $35,145,500 | 1,940 |
| Average total loans | $317,310,500 | 1,582 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0516% | 5,290 |
| Cost of funding earning assets | 2.1176% | 5,975 |
| Net interest margin | 3.9340% | 3,424 |
| Noninterest income to average assets | 0.5409% | 4,311 |
| Noninterest expense to average assets | 3.3183% | 2,909 |
| Loan and lease loss provision to assets | 0.3822% | 3,404 |
| Net operating income to assets | 0.3773% | 5,243 |
| Return on assets (ROA) | 0.5233% | 4,493 |
| Pretax return on assets | 0.6313% | 4,597 |
| Return on Equity (ROE) | 7.5006% | 3,284 |
| Retained earnings to average equity (ytd only) | 4.5418% | 2,295 |
| Net charge-offs to loans | 0.8681% | 1,441 |
| Credit loss provision to net charge-offs | 66.8151% | 6,124 |
| Earnings coverage of net charge-offs (x) | 1.4644% | 5,377 |
| Efficiency ratio | 79.8426% | 2,620 |
| Assets per employee ($millions) | 3.2403% | 5,359 |
| Cash dividends to net income (ytd only)* | 39.4481% | 3,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9018% | 6,671 |
| Loan loss allowance to noncurrent loans | 94.9851% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 0.6604% | 5,238 |
| Noncurrent loans to loans | 0.9494% | 4,705 |
| Net loans and leases to total assets | 65.5366% | 4,945 |
| Net loans and leases to deposits | 78.4324% | 5,279 |
| Net loans and leases to core deposits | 95.4929% | 5,299 |
| Total domestic deposits to total assets | 83.5581% | 3,550 |
| Equity capital to assets | 7.1865% | 7,635 |
| Core capital (leverage) ratio | 6.5635% | 7,909 |
| Tier 1 risk-based capital ratio | 11.7257% | 5,036 |
| Total risk-based capital ratio | 12.8105% | 5,075 |
| Memoranda: | ||
| Average total assets | $470,902,200 | 1,466 |
| Average earning assets | $432,744,600 | 1,445 |
| Average equity | $32,850,600 | 2,059 |
| Average total loans | $310,350,000 | 1,561 |