Home > American Bank & Trust > Performance and Condition Ratios
American Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4760% | 1,197 |
| Cost of funding earning assets | 1.8848% | 1,097 |
| Net interest margin | 3.5912% | 1,984 |
| Noninterest income to average assets | 0.7100% | 1,157 |
| Noninterest expense to average assets | 2.3428% | 2,735 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3162% | 1,400 |
| Return on assets (ROA) | 1.2082% | 1,601 |
| Pretax return on assets | 1.5832% | 1,266 |
| Return on Equity (ROE) | 14.7000% | 1,344 |
| Retained earnings to average equity (ytd only) | 11.2887% | 732 |
| Net charge-offs to loans | 0.0072% | 2,409 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 304.3933% | 431 |
| Efficiency ratio | 56.7453% | 3,425 |
| Assets per employee ($millions) | 8.8818% | 1,026 |
| Cash dividends to net income (ytd only)* | 23.1990% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9732% | 3,444 |
| Loan loss allowance to noncurrent loans | 291.8156% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.2644% | 1,900 |
| Noncurrent loans to loans | 0.3335% | 1,987 |
| Net loans and leases to total assets | 78.5200% | 811 |
| Net loans and leases to deposits | 88.8242% | 1,357 |
| Net loans and leases to core deposits | 97.3267% | 1,575 |
| Total domestic deposits to total assets | 88.4000% | 1,232 |
| Equity capital to assets | 8.1689% | 3,299 |
| Core capital (leverage) ratio | 8.9296% | 3,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2334% | 2,775 |
| Memoranda: | ||
| Average total assets | $1,575,125,000 | 690 |
| Average earning assets | $1,469,273,600 | 675 |
| Average equity | $129,474,600 | 767 |
| Average total loans | $1,238,829,000 | 614 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3348% | 1,232 |
| Cost of funding earning assets | 1.7184% | 1,155 |
| Net interest margin | 3.6165% | 1,958 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.3264% | 2,712 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3512% | 1,420 |
| Return on assets (ROA) | 1.3538% | 1,390 |
| Pretax return on assets | 1.7623% | 1,058 |
| Return on Equity (ROE) | 16.4400% | 1,178 |
| Retained earnings to average equity (ytd only) | 12.3253% | 920 |
| Net charge-offs to loans | 0.0076% | 2,136 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 294.5217% | 454 |
| Efficiency ratio | 56.3826% | 3,373 |
| Assets per employee ($millions) | 8.8582% | 981 |
| Cash dividends to net income (ytd only)* | 25.0320% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 3,280 |
| Loan loss allowance to noncurrent loans | 8,773.5099% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 3,764 |
| Noncurrent loans to loans | 0.0116% | 3,712 |
| Net loans and leases to total assets | 78.3300% | 844 |
| Net loans and leases to deposits | 88.3593% | 1,354 |
| Net loans and leases to core deposits | 96.3909% | 1,535 |
| Total domestic deposits to total assets | 88.6500% | 1,361 |
| Equity capital to assets | 7.8518% | 3,150 |
| Core capital (leverage) ratio | 9.2717% | 3,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3180% | 2,767 |
| Memoranda: | ||
| Average total assets | $1,540,358,250 | 705 |
| Average earning assets | $1,437,311,000 | 691 |
| Average equity | $126,835,750 | 777 |
| Average total loans | $1,208,717,500 | 623 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1648% | 1,268 |
| Cost of funding earning assets | 1.5035% | 1,236 |
| Net interest margin | 3.6613% | 1,896 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 2.3356% | 2,693 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3166% | 1,527 |
| Return on assets (ROA) | 1.3213% | 1,493 |
| Pretax return on assets | 1.7209% | 1,169 |
| Return on Equity (ROE) | 15.7800% | 1,305 |
| Retained earnings to average equity (ytd only) | 10.3579% | 1,319 |
| Net charge-offs to loans | 0.0095% | 1,848 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 230.3750% | 538 |
| Efficiency ratio | 57.0819% | 3,293 |
| Assets per employee ($millions) | 8.4540% | 1,119 |
| Cash dividends to net income (ytd only)* | 34.3561% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 3,020 |
| Loan loss allowance to noncurrent loans | 22,101.6667% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 3,844 |
| Noncurrent loans to loans | 0.0049% | 3,776 |
| Net loans and leases to total assets | 78.9600% | 739 |
| Net loans and leases to deposits | 90.2083% | 1,168 |
| Net loans and leases to core deposits | 97.0064% | 1,412 |
| Total domestic deposits to total assets | 87.5300% | 1,772 |
| Equity capital to assets | 8.3484% | 2,990 |
| Core capital (leverage) ratio | 9.6813% | 3,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9307% | 2,648 |
| Memoranda: | ||
| Average total assets | $1,504,599,667 | 707 |
| Average earning assets | $1,405,672,000 | 693 |
| Average equity | $125,991,333 | 775 |
| Average total loans | $1,177,024,333 | 627 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0034% | 1,222 |
| Cost of funding earning assets | 1.2139% | 1,417 |
| Net interest margin | 3.7895% | 1,711 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 2.3638% | 2,625 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3567% | 1,520 |
| Return on assets (ROA) | 1.3567% | 1,487 |
| Pretax return on assets | 1.7434% | 1,185 |
| Return on Equity (ROE) | 16.1800% | 1,321 |
| Retained earnings to average equity (ytd only) | 14.2909% | 900 |
| Net charge-offs to loans | 0.0114% | 1,519 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 197.0303% | 509 |
| Efficiency ratio | 56.9787% | 3,307 |
| Assets per employee ($millions) | 8.3374% | 1,189 |
| Cash dividends to net income (ytd only)* | 11.6601% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 2,846 |
| Loan loss allowance to noncurrent loans | 4,564.9485% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 3,615 |
| Noncurrent loans to loans | 0.0250% | 3,590 |
| Net loans and leases to total assets | 76.2300% | 953 |
| Net loans and leases to deposits | 86.4229% | 1,321 |
| Net loans and leases to core deposits | 90.7401% | 1,579 |
| Total domestic deposits to total assets | 88.2000% | 1,856 |
| Equity capital to assets | 8.5216% | 2,876 |
| Core capital (leverage) ratio | 9.6570% | 3,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1382% | 2,685 |
| Memoranda: | ||
| Average total assets | $1,491,812,000 | 726 |
| Average earning assets | $1,393,846,000 | 707 |
| Average equity | $125,114,500 | 791 |
| Average total loans | $1,154,783,000 | 643 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1066% | 1,460 |
| Cost of funding earning assets | 0.4181% | 1,955 |
| Net interest margin | 3.6885% | 1,405 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.4090% | 2,399 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3607% | 1,245 |
| Return on assets (ROA) | 1.3325% | 1,295 |
| Pretax return on assets | 1.7261% | 868 |
| Return on Equity (ROE) | 15.4300% | 1,154 |
| Retained earnings to average equity (ytd only) | 13.1798% | 485 |
| Net charge-offs to loans | 0.0022% | 2,448 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 1,115.5909% | 161 |
| Efficiency ratio | 57.1505% | 3,450 |
| Assets per employee ($millions) | 8.4744% | 1,100 |
| Cash dividends to net income (ytd only)* | 14.5728% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 2,567 |
| Loan loss allowance to noncurrent loans | 2,863.8710% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0315% | 3,494 |
| Noncurrent loans to loans | 0.0406% | 3,481 |
| Net loans and leases to total assets | 76.8100% | 918 |
| Net loans and leases to deposits | 86.4745% | 1,279 |
| Net loans and leases to core deposits | 89.9998% | 1,506 |
| Total domestic deposits to total assets | 88.8300% | 1,770 |
| Equity capital to assets | 8.2488% | 2,895 |
| Core capital (leverage) ratio | 9.6313% | 3,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2300% | 2,666 |
| Memoranda: | ||
| Average total assets | $1,393,052,600 | 748 |
| Average earning assets | $1,305,084,000 | 730 |
| Average equity | $120,312,600 | 814 |
| Average total loans | $1,007,121,400 | 675 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8678% | 1,560 |
| Cost of funding earning assets | 0.2657% | 2,537 |
| Net interest margin | 3.6021% | 1,384 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.3918% | 2,363 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2759% | 1,439 |
| Return on assets (ROA) | 1.2759% | 1,404 |
| Pretax return on assets | 1.6617% | 976 |
| Return on Equity (ROE) | 14.6000% | 1,261 |
| Retained earnings to average equity (ytd only) | 12.2026% | 751 |
| Net charge-offs to loans | 0.0018% | 2,233 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1,316.0000% | 102 |
| Efficiency ratio | 58.3701% | 3,341 |
| Assets per employee ($millions) | 8.2276% | 1,206 |
| Cash dividends to net income (ytd only)* | 16.4053% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2402% | 2,320 |
| Loan loss allowance to noncurrent loans | 3,534.7480% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 3,666 |
| Noncurrent loans to loans | 0.0351% | 3,642 |
| Net loans and leases to total assets | 74.9900% | 1,013 |
| Net loans and leases to deposits | 85.1275% | 1,226 |
| Net loans and leases to core deposits | 88.5717% | 1,384 |
| Total domestic deposits to total assets | 88.0900% | 2,399 |
| Equity capital to assets | 7.9693% | 2,916 |
| Core capital (leverage) ratio | 9.7180% | 2,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2045% | 2,748 |
| Memoranda: | ||
| Average total assets | $1,372,678,250 | 759 |
| Average earning assets | $1,288,439,500 | 747 |
| Average equity | $119,982,750 | 831 |
| Average total loans | $972,406,250 | 697 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5879% | 1,883 |
| Cost of funding earning assets | 0.1919% | 3,026 |
| Net interest margin | 3.3960% | 1,618 |
| Noninterest income to average assets | 0.6869% | 1,397 |
| Noninterest expense to average assets | 2.3738% | 2,323 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1451% | 1,614 |
| Return on assets (ROA) | 1.1451% | 1,595 |
| Pretax return on assets | 1.5046% | 1,152 |
| Return on Equity (ROE) | 12.7108% | 1,461 |
| Retained earnings to average equity (ytd only) | 10.2268% | 963 |
| Net charge-offs to loans | -0.0006% | 3,000 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5337% | 3,232 |
| Assets per employee ($millions) | 8.2276% | 1,186 |
| Cash dividends to net income (ytd only)* | 19.5423% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 2,122 |
| Loan loss allowance to noncurrent loans | 1,467.7668% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 3,320 |
| Noncurrent loans to loans | 0.0895% | 3,324 |
| Net loans and leases to total assets | 72.4744% | 1,055 |
| Net loans and leases to deposits | 82.0994% | 1,237 |
| Net loans and leases to core deposits | 85.8171% | 1,349 |
| Total domestic deposits to total assets | 88.2765% | 2,471 |
| Equity capital to assets | 8.3240% | 2,885 |
| Core capital (leverage) ratio | 9.5372% | 2,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2919% | 2,729 |
| Memoranda: | ||
| Average total assets | $1,358,521,667 | 760 |
| Average earning assets | $1,276,688,333 | 752 |
| Average equity | $122,384,333 | 818 |
| Average total loans | $938,370,333 | 710 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3968% | 2,093 |
| Cost of funding earning assets | 0.1791% | 3,096 |
| Net interest margin | 3.2176% | 1,824 |
| Noninterest income to average assets | 0.6695% | 1,416 |
| Noninterest expense to average assets | 2.3563% | 2,319 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0147% | 1,817 |
| Return on assets (ROA) | 1.0147% | 1,811 |
| Pretax return on assets | 1.3381% | 1,415 |
| Return on Equity (ROE) | 10.8403% | 1,665 |
| Retained earnings to average equity (ytd only) | 10.8403% | 812 |
| Net charge-offs to loans | 0.0013% | 1,792 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 1,501.6667% | 46 |
| Efficiency ratio | 63.0728% | 3,135 |
| Assets per employee ($millions) | 8.1748% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 1,792 |
| Loan loss allowance to noncurrent loans | 19,327.5362% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 4,036 |
| Noncurrent loans to loans | 0.0074% | 3,970 |
| Net loans and leases to total assets | 66.8732% | 1,321 |
| Net loans and leases to deposits | 76.0344% | 1,442 |
| Net loans and leases to core deposits | 79.4666% | 1,525 |
| Total domestic deposits to total assets | 87.9513% | 2,544 |
| Equity capital to assets | 8.8460% | 2,845 |
| Core capital (leverage) ratio | 9.5253% | 2,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0509% | 2,589 |
| Memoranda: | ||
| Average total assets | $1,346,663,000 | 768 |
| Average earning assets | $1,266,026,500 | 763 |
| Average equity | $126,048,000 | 817 |
| Average total loans | $899,999,500 | 727 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8886% | 1,645 |
| Cost of funding earning assets | 0.2392% | 3,051 |
| Net interest margin | 3.6494% | 1,343 |
| Noninterest income to average assets | 0.8838% | 1,248 |
| Noninterest expense to average assets | 2.3331% | 2,706 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.8704% | 437 |
| Return on assets (ROA) | 1.8704% | 465 |
| Pretax return on assets | 1.9764% | 633 |
| Return on Equity (ROE) | 19.5805% | 335 |
| Retained earnings to average equity (ytd only) | 7.3300% | 1,793 |
| Net charge-offs to loans | -0.0242% | 4,045 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9262% | 4,044 |
| Assets per employee ($millions) | 8.2497% | 1,194 |
| Cash dividends to net income (ytd only)* | 62.5647% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5363% | 1,438 |
| Loan loss allowance to noncurrent loans | 18,787.3239% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 4,120 |
| Noncurrent loans to loans | 0.0082% | 4,046 |
| Net loans and leases to total assets | 64.7678% | 1,615 |
| Net loans and leases to deposits | 74.8430% | 1,656 |
| Net loans and leases to core deposits | 78.5528% | 1,717 |
| Total domestic deposits to total assets | 86.5382% | 2,697 |
| Equity capital to assets | 9.8948% | 2,760 |
| Core capital (leverage) ratio | 9.5455% | 2,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4704% | 2,462 |
| Memoranda: | ||
| Average total assets | $1,239,063,800 | 806 |
| Average earning assets | $1,163,093,400 | 799 |
| Average equity | $118,362,800 | 877 |
| Average total loans | $823,275,800 | 782 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0513% | 1,421 |
| Cost of funding earning assets | 0.2531% | 3,088 |
| Net interest margin | 3.7983% | 1,123 |
| Noninterest income to average assets | 0.9086% | 1,237 |
| Noninterest expense to average assets | 2.2871% | 2,786 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.0836% | 404 |
| Return on assets (ROA) | 2.0836% | 429 |
| Pretax return on assets | 2.1842% | 565 |
| Return on Equity (ROE) | 22.0251% | 304 |
| Retained earnings to average equity (ytd only) | 11.8492% | 865 |
| Net charge-offs to loans | -0.0094% | 3,651 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2012% | 4,281 |
| Assets per employee ($millions) | 8.5483% | 1,035 |
| Cash dividends to net income (ytd only)* | 46.2015% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5865% | 1,371 |
| Loan loss allowance to noncurrent loans | 2,058.8144% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 3,823 |
| Noncurrent loans to loans | 0.0771% | 3,706 |
| Net loans and leases to total assets | 63.4212% | 1,850 |
| Net loans and leases to deposits | 72.7354% | 1,990 |
| Net loans and leases to core deposits | 76.5540% | 1,995 |
| Total domestic deposits to total assets | 87.1944% | 2,272 |
| Equity capital to assets | 9.2762% | 3,589 |
| Core capital (leverage) ratio | 9.1465% | 3,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9858% | 2,708 |
| Memoranda: | ||
| Average total assets | $1,218,841,500 | 826 |
| Average earning assets | $1,143,262,500 | 820 |
| Average equity | $115,301,750 | 912 |
| Average total loans | $812,033,750 | 805 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2026% | 1,185 |
| Cost of funding earning assets | 0.2745% | 3,051 |
| Net interest margin | 3.9282% | 921 |
| Noninterest income to average assets | 0.9317% | 1,193 |
| Noninterest expense to average assets | 2.3109% | 2,735 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.1983% | 340 |
| Return on assets (ROA) | 2.1983% | 359 |
| Pretax return on assets | 2.3049% | 474 |
| Return on Equity (ROE) | 23.0761% | 260 |
| Retained earnings to average equity (ytd only) | 11.1278% | 1,099 |
| Net charge-offs to loans | -0.0094% | 3,645 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1361% | 4,377 |
| Assets per employee ($millions) | 7.9070% | 1,256 |
| Cash dividends to net income (ytd only)* | 51.7780% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5739% | 1,346 |
| Loan loss allowance to noncurrent loans | 1,055.9295% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 3,539 |
| Noncurrent loans to loans | 0.1491% | 3,454 |
| Net loans and leases to total assets | 67.2412% | 1,550 |
| Net loans and leases to deposits | 77.7322% | 1,656 |
| Net loans and leases to core deposits | 81.2362% | 1,774 |
| Total domestic deposits to total assets | 86.5038% | 2,549 |
| Equity capital to assets | 9.5085% | 3,320 |
| Core capital (leverage) ratio | 8.8880% | 3,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0250% | 2,710 |
| Memoranda: | ||
| Average total assets | $1,194,858,333 | 835 |
| Average earning assets | $1,120,627,667 | 824 |
| Average equity | $113,823,333 | 913 |
| Average total loans | $805,434,333 | 812 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5308% | 2,827 |
| Cost of funding earning assets | 0.2997% | 2,997 |
| Net interest margin | 3.2311% | 2,601 |
| Noninterest income to average assets | 0.9730% | 1,182 |
| Noninterest expense to average assets | 2.2491% | 2,949 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6709% | 988 |
| Return on assets (ROA) | 1.6709% | 1,038 |
| Pretax return on assets | 1.7509% | 1,390 |
| Return on Equity (ROE) | 17.5233% | 779 |
| Retained earnings to average equity (ytd only) | 5.0752% | 3,205 |
| Net charge-offs to loans | -0.0269% | 4,124 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8109% | 3,809 |
| Assets per employee ($millions) | 8.2877% | 1,068 |
| Cash dividends to net income (ytd only)* | 71.0371% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6723% | 1,113 |
| Loan loss allowance to noncurrent loans | 1,618.7730% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 3,896 |
| Noncurrent loans to loans | 0.1033% | 3,791 |
| Net loans and leases to total assets | 64.1091% | 2,027 |
| Net loans and leases to deposits | 74.6226% | 2,056 |
| Net loans and leases to core deposits | 78.1637% | 2,168 |
| Total domestic deposits to total assets | 85.9111% | 2,766 |
| Equity capital to assets | 9.1636% | 3,529 |
| Core capital (leverage) ratio | 8.9182% | 3,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1902% | 2,593 |
| Memoranda: | ||
| Average total assets | $1,179,494,000 | 836 |
| Average earning assets | $1,105,014,000 | 823 |
| Average equity | $112,467,500 | 915 |
| Average total loans | $789,512,500 | 821 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3273% | 1,777 |
| Cost of funding earning assets | 0.5335% | 2,727 |
| Net interest margin | 3.7938% | 1,516 |
| Noninterest income to average assets | 1.0708% | 929 |
| Noninterest expense to average assets | 2.4772% | 2,917 |
| Loan and lease loss provision to assets | 0.4253% | 690 |
| Net operating income to assets | 1.6292% | 603 |
| Return on assets (ROA) | 1.7239% | 506 |
| Pretax return on assets | 1.8085% | 674 |
| Return on Equity (ROE) | 16.8201% | 430 |
| Retained earnings to average equity (ytd only) | 9.1377% | 739 |
| Net charge-offs to loans | 0.0190% | 2,690 |
| Credit loss provision to net charge-offs | 3,048.6301% | 324 |
| Earnings coverage of net charge-offs (x) | 152.9726% | 562 |
| Efficiency ratio | 50.4766% | 4,501 |
| Assets per employee ($millions) | 7.9240% | 1,064 |
| Cash dividends to net income (ytd only)* | 45.6737% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6631% | 1,132 |
| Loan loss allowance to noncurrent loans | 742.7925% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.1540% | 3,510 |
| Noncurrent loans to loans | 0.2239% | 3,401 |
| Net loans and leases to total assets | 67.6223% | 1,864 |
| Net loans and leases to deposits | 79.7423% | 1,894 |
| Net loans and leases to core deposits | 83.8033% | 2,052 |
| Total domestic deposits to total assets | 84.8010% | 2,842 |
| Equity capital to assets | 9.9266% | 3,200 |
| Core capital (leverage) ratio | 9.2483% | 3,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9282% | 2,657 |
| Memoranda: | ||
| Average total assets | $1,046,514,000 | 845 |
| Average earning assets | $976,633,800 | 835 |
| Average equity | $107,258,600 | 910 |
| Average total loans | $767,980,600 | 806 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5643% | 1,411 |
| Cost of funding earning assets | 0.5875% | 2,688 |
| Net interest margin | 3.9769% | 1,168 |
| Noninterest income to average assets | 1.0580% | 927 |
| Noninterest expense to average assets | 2.4379% | 3,030 |
| Loan and lease loss provision to assets | 0.5747% | 456 |
| Net operating income to assets | 1.6690% | 622 |
| Return on assets (ROA) | 1.7984% | 507 |
| Pretax return on assets | 1.8921% | 646 |
| Return on Equity (ROE) | 17.3926% | 411 |
| Retained earnings to average equity (ytd only) | 6.9848% | 1,697 |
| Net charge-offs to loans | 0.0026% | 3,084 |
| Credit loss provision to net charge-offs | 29,333.3333% | 40 |
| Earnings coverage of net charge-offs (x) | 1,189.6667% | 98 |
| Efficiency ratio | 48.1075% | 4,603 |
| Assets per employee ($millions) | 7.4496% | 1,242 |
| Cash dividends to net income (ytd only)* | 59.8402% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6455% | 991 |
| Loan loss allowance to noncurrent loans | 699.4709% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 3,542 |
| Noncurrent loans to loans | 0.2353% | 3,464 |
| Net loans and leases to total assets | 74.6968% | 1,285 |
| Net loans and leases to deposits | 88.9402% | 1,379 |
| Net loans and leases to core deposits | 94.2716% | 1,620 |
| Total domestic deposits to total assets | 83.9854% | 2,832 |
| Equity capital to assets | 10.3797% | 2,890 |
| Core capital (leverage) ratio | 9.4246% | 3,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8979% | 2,652 |
| Memoranda: | ||
| Average total assets | $1,020,895,750 | 851 |
| Average earning assets | $952,518,000 | 841 |
| Average equity | $105,559,500 | 919 |
| Average total loans | $762,448,000 | 808 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8422% | 1,069 |
| Cost of funding earning assets | 0.6481% | 2,708 |
| Net interest margin | 4.1941% | 938 |
| Noninterest income to average assets | 0.9681% | 1,042 |
| Noninterest expense to average assets | 2.3449% | 3,413 |
| Loan and lease loss provision to assets | 0.8229% | 293 |
| Net operating income to assets | 1.6328% | 709 |
| Return on assets (ROA) | 1.6328% | 774 |
| Pretax return on assets | 1.7183% | 962 |
| Return on Equity (ROE) | 15.8125% | 598 |
| Retained earnings to average equity (ytd only) | 11.8949% | 474 |
| Net charge-offs to loans | -0.0118% | 4,246 |
| Credit loss provision to net charge-offs | -9,431.8182% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9213% | 4,727 |
| Assets per employee ($millions) | 7.9083% | 1,004 |
| Cash dividends to net income (ytd only)* | 24.7753% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6149% | 972 |
| Loan loss allowance to noncurrent loans | 533.9754% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 3,410 |
| Noncurrent loans to loans | 0.3024% | 3,304 |
| Net loans and leases to total assets | 74.3494% | 1,365 |
| Net loans and leases to deposits | 88.9571% | 1,454 |
| Net loans and leases to core deposits | 93.9934% | 1,737 |
| Total domestic deposits to total assets | 83.5789% | 2,895 |
| Equity capital to assets | 10.4383% | 2,800 |
| Core capital (leverage) ratio | 9.5568% | 3,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8452% | 2,671 |
| Memoranda: | ||
| Average total assets | $1,008,579,667 | 844 |
| Average earning assets | $942,184,667 | 836 |
| Average equity | $104,145,667 | 922 |
| Average total loans | $748,798,667 | 812 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5710% | 2,094 |
| Cost of funding earning assets | 0.7621% | 2,597 |
| Net interest margin | 3.8089% | 1,937 |
| Noninterest income to average assets | 0.7317% | 1,526 |
| Noninterest expense to average assets | 2.2920% | 3,787 |
| Loan and lease loss provision to assets | 0.2451% | 1,267 |
| Net operating income to assets | 1.6510% | 559 |
| Return on assets (ROA) | 1.6510% | 618 |
| Pretax return on assets | 1.7372% | 801 |
| Return on Equity (ROE) | 16.0839% | 415 |
| Retained earnings to average equity (ytd only) | 10.1136% | 729 |
| Net charge-offs to loans | -0.0600% | 4,688 |
| Credit loss provision to net charge-offs | -555.5556% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1506% | 4,543 |
| Assets per employee ($millions) | 7.1528% | 1,024 |
| Cash dividends to net income (ytd only)* | 37.1195% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 2,114 |
| Loan loss allowance to noncurrent loans | 277.3612% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.3537% | 3,021 |
| Noncurrent loans to loans | 0.4710% | 2,835 |
| Net loans and leases to total assets | 74.1185% | 1,582 |
| Net loans and leases to deposits | 87.3961% | 1,818 |
| Net loans and leases to core deposits | 92.8937% | 2,076 |
| Total domestic deposits to total assets | 84.8076% | 2,487 |
| Equity capital to assets | 10.5815% | 3,248 |
| Core capital (leverage) ratio | 9.2075% | 4,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1050% | 3,067 |
| Memoranda: | ||
| Average total assets | $979,062,000 | 839 |
| Average earning assets | $910,603,500 | 832 |
| Average equity | $100,498,000 | 940 |
| Average total loans | $719,801,000 | 817 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8652% | 1,861 |
| Cost of funding earning assets | 0.9300% | 2,056 |
| Net interest margin | 3.9352% | 2,050 |
| Noninterest income to average assets | 0.7848% | 1,492 |
| Noninterest expense to average assets | 2.4753% | 3,514 |
| Loan and lease loss provision to assets | 0.1816% | 1,136 |
| Net operating income to assets | 1.6898% | 675 |
| Return on assets (ROA) | 1.6872% | 725 |
| Pretax return on assets | 1.7821% | 984 |
| Return on Equity (ROE) | 16.9997% | 421 |
| Retained earnings to average equity (ytd only) | 9.3110% | 636 |
| Net charge-offs to loans | 0.0766% | 2,002 |
| Credit loss provision to net charge-offs | 320.6831% | 866 |
| Earnings coverage of net charge-offs (x) | 34.7173% | 1,438 |
| Efficiency ratio | 54.1548% | 4,409 |
| Assets per employee ($millions) | 7.2451% | 955 |
| Cash dividends to net income (ytd only)* | 45.2287% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 2,191 |
| Loan loss allowance to noncurrent loans | 627.0405% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.1440% | 3,915 |
| Noncurrent loans to loans | 0.1987% | 3,746 |
| Net loans and leases to total assets | 71.0628% | 2,238 |
| Net loans and leases to deposits | 83.1410% | 2,426 |
| Net loans and leases to core deposits | 88.9872% | 2,517 |
| Total domestic deposits to total assets | 85.4727% | 2,305 |
| Equity capital to assets | 9.9520% | 3,966 |
| Core capital (leverage) ratio | 9.1567% | 4,395 |
| Tier 1 risk-based capital ratio | 10.8430% | 4,912 |
| Total risk-based capital ratio | 11.9161% | 4,885 |
| Memoranda: | ||
| Average total assets | $930,399,000 | 840 |
| Average earning assets | $864,612,400 | 837 |
| Average equity | $92,342,800 | 955 |
| Average total loans | $687,647,400 | 820 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9094% | 1,789 |
| Cost of funding earning assets | 0.9480% | 1,998 |
| Net interest margin | 3.9614% | 2,072 |
| Noninterest income to average assets | 0.7961% | 1,427 |
| Noninterest expense to average assets | 2.4951% | 3,451 |
| Loan and lease loss provision to assets | 0.1753% | 1,052 |
| Net operating income to assets | 1.7119% | 728 |
| Return on assets (ROA) | 1.7085% | 769 |
| Pretax return on assets | 1.8029% | 1,084 |
| Return on Equity (ROE) | 17.2262% | 457 |
| Retained earnings to average equity (ytd only) | 6.8136% | 1,943 |
| Net charge-offs to loans | 0.0373% | 2,343 |
| Credit loss provision to net charge-offs | 630.8901% | 517 |
| Earnings coverage of net charge-offs (x) | 71.3352% | 936 |
| Efficiency ratio | 54.1408% | 4,379 |
| Assets per employee ($millions) | 7.0868% | 993 |
| Cash dividends to net income (ytd only)* | 60.4461% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2796% | 2,063 |
| Loan loss allowance to noncurrent loans | 648.2836% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.1490% | 4,000 |
| Noncurrent loans to loans | 0.1974% | 3,829 |
| Net loans and leases to total assets | 72.1894% | 2,150 |
| Net loans and leases to deposits | 85.2679% | 2,287 |
| Net loans and leases to core deposits | 91.9859% | 2,371 |
| Total domestic deposits to total assets | 84.6619% | 2,551 |
| Equity capital to assets | 10.2028% | 3,822 |
| Core capital (leverage) ratio | 9.3751% | 4,297 |
| Tier 1 risk-based capital ratio | 10.7301% | 5,008 |
| Total risk-based capital ratio | 11.8236% | 4,984 |
| Memoranda: | ||
| Average total assets | $916,664,250 | 859 |
| Average earning assets | $851,731,750 | 851 |
| Average equity | $90,913,250 | 967 |
| Average total loans | $682,298,250 | 826 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9065% | 1,733 |
| Cost of funding earning assets | 0.9404% | 1,966 |
| Net interest margin | 3.9661% | 2,029 |
| Noninterest income to average assets | 0.6609% | 1,871 |
| Noninterest expense to average assets | 2.4493% | 3,611 |
| Loan and lease loss provision to assets | 0.1687% | 1,080 |
| Net operating income to assets | 1.6455% | 818 |
| Return on assets (ROA) | 1.6403% | 872 |
| Pretax return on assets | 1.7301% | 1,214 |
| Return on Equity (ROE) | 16.7016% | 499 |
| Retained earnings to average equity (ytd only) | 6.4388% | 2,085 |
| Net charge-offs to loans | 0.0547% | 1,862 |
| Credit loss provision to net charge-offs | 411.7647% | 697 |
| Earnings coverage of net charge-offs (x) | 46.4759% | 1,151 |
| Efficiency ratio | 55.0657% | 4,361 |
| Assets per employee ($millions) | 6.8762% | 1,058 |
| Cash dividends to net income (ytd only)* | 61.4480% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2047% | 2,500 |
| Loan loss allowance to noncurrent loans | 883.8330% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 4,227 |
| Noncurrent loans to loans | 0.1363% | 4,067 |
| Net loans and leases to total assets | 73.4745% | 1,970 |
| Net loans and leases to deposits | 86.4320% | 2,211 |
| Net loans and leases to core deposits | 94.5370% | 2,202 |
| Total domestic deposits to total assets | 85.0084% | 2,475 |
| Equity capital to assets | 10.0322% | 3,949 |
| Core capital (leverage) ratio | 9.1877% | 4,473 |
| Tier 1 risk-based capital ratio | 10.7096% | 5,037 |
| Total risk-based capital ratio | 11.7698% | 5,017 |
| Memoranda: | ||
| Average total assets | $912,760,000 | 856 |
| Average earning assets | $849,843,670 | 848 |
| Average equity | $89,644,330 | 974 |
| Average total loans | $683,438,670 | 825 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8509% | 1,768 |
| Cost of funding earning assets | 0.8920% | 2,045 |
| Net interest margin | 3.9589% | 1,992 |
| Noninterest income to average assets | 0.5698% | 2,185 |
| Noninterest expense to average assets | 2.4614% | 3,604 |
| Loan and lease loss provision to assets | 0.1255% | 1,399 |
| Net operating income to assets | 1.5802% | 934 |
| Return on assets (ROA) | 1.5697% | 990 |
| Pretax return on assets | 1.6538% | 1,331 |
| Return on Equity (ROE) | 16.1591% | 570 |
| Retained earnings to average equity (ytd only) | 6.6404% | 2,183 |
| Net charge-offs to loans | 0.0041% | 2,571 |
| Credit loss provision to net charge-offs | 4,071.4286% | 101 |
| Earnings coverage of net charge-offs (x) | 580.8571% | 125 |
| Efficiency ratio | 56.6798% | 4,253 |
| Assets per employee ($millions) | 6.7360% | 1,120 |
| Cash dividends to net income (ytd only)* | 58.9060% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 2,772 |
| Loan loss allowance to noncurrent loans | 2,246.0452% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 4,620 |
| Noncurrent loans to loans | 0.0518% | 4,533 |
| Net loans and leases to total assets | 74.2600% | 1,756 |
| Net loans and leases to deposits | 87.8324% | 1,895 |
| Net loans and leases to core deposits | 96.0510% | 1,923 |
| Total domestic deposits to total assets | 84.5473% | 2,835 |
| Equity capital to assets | 9.8607% | 3,958 |
| Core capital (leverage) ratio | 9.1704% | 4,501 |
| Tier 1 risk-based capital ratio | 10.6817% | 5,122 |
| Total risk-based capital ratio | 11.7189% | 5,095 |
| Memoranda: | ||
| Average total assets | $908,435,000 | 861 |
| Average earning assets | $844,880,000 | 857 |
| Average equity | $88,247,500 | 983 |
| Average total loans | $682,530,000 | 832 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7986% | 1,550 |
| Cost of funding earning assets | 0.7109% | 2,022 |
| Net interest margin | 4.0877% | 1,721 |
| Noninterest income to average assets | 0.7917% | 1,481 |
| Noninterest expense to average assets | 2.8027% | 2,685 |
| Loan and lease loss provision to assets | 0.1446% | 1,485 |
| Net operating income to assets | 1.5408% | 1,018 |
| Return on assets (ROA) | 1.5401% | 1,009 |
| Pretax return on assets | 1.6209% | 1,402 |
| Return on Equity (ROE) | 14.9004% | 855 |
| Retained earnings to average equity (ytd only) | 7.5361% | 1,442 |
| Net charge-offs to loans | -0.0073% | 4,420 |
| Credit loss provision to net charge-offs | -2,590.9091% | 4,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0400% | 3,855 |
| Assets per employee ($millions) | 6.5288% | 1,201 |
| Cash dividends to net income (ytd only)* | 49.4234% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 2,950 |
| Loan loss allowance to noncurrent loans | 1,115.1163% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 4,430 |
| Noncurrent loans to loans | 0.1009% | 4,278 |
| Net loans and leases to total assets | 74.2853% | 1,891 |
| Net loans and leases to deposits | 87.5961% | 2,104 |
| Net loans and leases to core deposits | 95.3066% | 2,109 |
| Total domestic deposits to total assets | 84.8044% | 2,731 |
| Equity capital to assets | 9.5674% | 4,071 |
| Core capital (leverage) ratio | 8.9857% | 4,667 |
| Tier 1 risk-based capital ratio | 10.3999% | 5,220 |
| Total risk-based capital ratio | 11.3932% | 5,205 |
| Memoranda: | ||
| Average total assets | $788,278,200 | 962 |
| Average earning assets | $728,403,000 | 960 |
| Average equity | $81,474,400 | 1,013 |
| Average total loans | $601,231,800 | 895 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7130% | 1,639 |
| Cost of funding earning assets | 0.6503% | 2,148 |
| Net interest margin | 4.0627% | 1,750 |
| Noninterest income to average assets | 0.8485% | 1,333 |
| Noninterest expense to average assets | 2.8894% | 2,333 |
| Loan and lease loss provision to assets | 0.1371% | 1,462 |
| Net operating income to assets | 1.4964% | 1,204 |
| Return on assets (ROA) | 1.4953% | 1,203 |
| Pretax return on assets | 1.5703% | 1,674 |
| Return on Equity (ROE) | 14.1521% | 1,080 |
| Retained earnings to average equity (ytd only) | 4.1694% | 3,691 |
| Net charge-offs to loans | -0.0032% | 4,146 |
| Credit loss provision to net charge-offs | -5,571.4286% | 4,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6317% | 3,567 |
| Assets per employee ($millions) | 6.1561% | 1,378 |
| Cash dividends to net income (ytd only)* | 70.5384% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0653% | 3,378 |
| Loan loss allowance to noncurrent loans | 1,064.7661% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 3,489 |
| Noncurrent loans to loans | 0.1001% | 4,438 |
| Net loans and leases to total assets | 76.8303% | 1,527 |
| Net loans and leases to deposits | 94.7399% | 1,293 |
| Net loans and leases to core deposits | 102.5769% | 1,557 |
| Total domestic deposits to total assets | 81.0960% | 3,844 |
| Equity capital to assets | 9.3371% | 4,240 |
| Core capital (leverage) ratio | 8.9184% | 4,783 |
| Tier 1 risk-based capital ratio | 9.9401% | 5,390 |
| Total risk-based capital ratio | 10.8837% | 5,403 |
| Memoranda: | ||
| Average total assets | $758,471,500 | 990 |
| Average earning assets | $700,003,500 | 983 |
| Average equity | $80,136,750 | 1,022 |
| Average total loans | $581,086,000 | 925 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4909% | 2,116 |
| Cost of funding earning assets | 0.5669% | 2,455 |
| Net interest margin | 3.9239% | 2,127 |
| Noninterest income to average assets | 0.8082% | 1,449 |
| Noninterest expense to average assets | 2.8521% | 2,494 |
| Loan and lease loss provision to assets | 0.1170% | 1,693 |
| Net operating income to assets | 1.3889% | 1,480 |
| Return on assets (ROA) | 1.3889% | 1,481 |
| Pretax return on assets | 1.4624% | 1,948 |
| Return on Equity (ROE) | 12.5487% | 1,527 |
| Retained earnings to average equity (ytd only) | 4.9968% | 3,075 |
| Net charge-offs to loans | -0.0040% | 4,051 |
| Credit loss provision to net charge-offs | -3,818.1818% | 4,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2780% | 3,418 |
| Assets per employee ($millions) | 5.5371% | 1,849 |
| Cash dividends to net income (ytd only)* | 60.1805% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 2,671 |
| Loan loss allowance to noncurrent loans | 1,026.7062% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.4057% | 3,108 |
| Noncurrent loans to loans | 0.1175% | 4,380 |
| Net loans and leases to total assets | 76.3472% | 1,581 |
| Net loans and leases to deposits | 91.8356% | 1,603 |
| Net loans and leases to core deposits | 100.0661% | 1,736 |
| Total domestic deposits to total assets | 83.1347% | 3,375 |
| Equity capital to assets | 10.7671% | 2,867 |
| Core capital (leverage) ratio | 10.3958% | 3,143 |
| Tier 1 risk-based capital ratio | 11.6810% | 4,702 |
| Total risk-based capital ratio | 12.7470% | 4,688 |
| Memoranda: | ||
| Average total assets | $717,856,000 | 1,042 |
| Average earning assets | $662,858,670 | 1,043 |
| Average equity | $79,450,330 | 1,029 |
| Average total loans | $546,903,330 | 964 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4138% | 2,150 |
| Cost of funding earning assets | 0.5007% | 2,791 |
| Net interest margin | 3.9131% | 1,988 |
| Noninterest income to average assets | 0.8133% | 1,410 |
| Noninterest expense to average assets | 2.8558% | 2,511 |
| Loan and lease loss provision to assets | 0.1190% | 1,585 |
| Net operating income to assets | 1.3709% | 1,420 |
| Return on assets (ROA) | 1.3709% | 1,434 |
| Pretax return on assets | 1.4435% | 1,855 |
| Return on Equity (ROE) | 12.2124% | 1,505 |
| Retained earnings to average equity (ytd only) | 4.6396% | 3,344 |
| Net charge-offs to loans | -0.0052% | 4,026 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4556% | 3,566 |
| Assets per employee ($millions) | 5.4469% | 1,989 |
| Cash dividends to net income (ytd only)* | 62.0091% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 2,408 |
| Loan loss allowance to noncurrent loans | 14,900.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.3582% | 3,407 |
| Noncurrent loans to loans | 0.0085% | 4,975 |
| Net loans and leases to total assets | 74.2866% | 1,811 |
| Net loans and leases to deposits | 89.0013% | 1,812 |
| Net loans and leases to core deposits | 96.0263% | 1,974 |
| Total domestic deposits to total assets | 83.4669% | 3,517 |
| Equity capital to assets | 11.2443% | 2,354 |
| Core capital (leverage) ratio | 10.6738% | 2,765 |
| Tier 1 risk-based capital ratio | 12.3469% | 4,345 |
| Total risk-based capital ratio | 13.4548% | 4,327 |
| Memoranda: | ||
| Average total assets | $705,798,500 | 1,059 |
| Average earning assets | $650,227,500 | 1,062 |
| Average equity | $79,231,000 | 1,041 |
| Average total loans | $533,658,000 | 985 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2640% | 2,448 |
| Cost of funding earning assets | 0.4752% | 2,548 |
| Net interest margin | 3.7888% | 2,467 |
| Noninterest income to average assets | 0.8169% | 1,509 |
| Noninterest expense to average assets | 2.9000% | 2,456 |
| Loan and lease loss provision to assets | 0.0367% | 3,535 |
| Net operating income to assets | 1.2917% | 1,246 |
| Return on assets (ROA) | 1.3145% | 1,208 |
| Pretax return on assets | 1.3819% | 2,051 |
| Return on Equity (ROE) | 11.5587% | 1,329 |
| Retained earnings to average equity (ytd only) | 3.8133% | 2,934 |
| Net charge-offs to loans | 0.0197% | 3,446 |
| Credit loss provision to net charge-offs | 255.1020% | 1,083 |
| Earnings coverage of net charge-offs (x) | 96.9286% | 661 |
| Efficiency ratio | 66.2587% | 3,216 |
| Assets per employee ($millions) | 5.4118% | 2,036 |
| Cash dividends to net income (ytd only)* | 67.0092% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2045% | 2,748 |
| Loan loss allowance to noncurrent loans | 2,962.5571% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.3201% | 3,595 |
| Noncurrent loans to loans | 0.0407% | 4,828 |
| Net loans and leases to total assets | 75.0618% | 1,743 |
| Net loans and leases to deposits | 91.6507% | 1,575 |
| Net loans and leases to core deposits | 99.3720% | 1,763 |
| Total domestic deposits to total assets | 81.8998% | 3,895 |
| Equity capital to assets | 11.2073% | 2,420 |
| Core capital (leverage) ratio | 10.5306% | 2,813 |
| Tier 1 risk-based capital ratio | 12.0776% | 4,480 |
| Total risk-based capital ratio | 13.1397% | 4,482 |
| Memoranda: | ||
| Average total assets | $681,149,400 | 1,069 |
| Average earning assets | $625,218,400 | 1,080 |
| Average equity | $77,465,600 | 1,041 |
| Average total loans | $497,813,000 | 1,031 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2059% | 2,590 |
| Cost of funding earning assets | 0.4660% | 2,561 |
| Net interest margin | 3.7399% | 2,616 |
| Noninterest income to average assets | 0.8282% | 1,482 |
| Noninterest expense to average assets | 2.9019% | 2,405 |
| Loan and lease loss provision to assets | 0.0494% | 3,104 |
| Net operating income to assets | 1.2471% | 1,518 |
| Return on assets (ROA) | 1.2779% | 1,438 |
| Pretax return on assets | 1.3420% | 2,318 |
| Return on Equity (ROE) | 11.1939% | 1,612 |
| Retained earnings to average equity (ytd only) | 2.8790% | 4,187 |
| Net charge-offs to loans | 0.0241% | 2,967 |
| Credit loss provision to net charge-offs | 284.0909% | 1,030 |
| Earnings coverage of net charge-offs (x) | 78.0912% | 824 |
| Efficiency ratio | 66.8570% | 3,069 |
| Assets per employee ($millions) | 5.2339% | 2,193 |
| Cash dividends to net income (ytd only)* | 74.2804% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 2,513 |
| Loan loss allowance to noncurrent loans | 5,415.0000% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.3216% | 3,773 |
| Noncurrent loans to loans | 0.0235% | 5,015 |
| Net loans and leases to total assets | 73.5958% | 1,979 |
| Net loans and leases to deposits | 92.6726% | 1,467 |
| Net loans and leases to core deposits | 100.6266% | 1,652 |
| Total domestic deposits to total assets | 79.4149% | 4,456 |
| Equity capital to assets | 11.5394% | 2,326 |
| Core capital (leverage) ratio | 10.6563% | 2,820 |
| Tier 1 risk-based capital ratio | 12.3370% | 4,418 |
| Total risk-based capital ratio | 13.4436% | 4,397 |
| Memoranda: | ||
| Average total assets | $674,199,750 | 1,087 |
| Average earning assets | $618,826,750 | 1,093 |
| Average equity | $76,968,500 | 1,055 |
| Average total loans | $487,607,000 | 1,057 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1269% | 2,741 |
| Cost of funding earning assets | 0.4458% | 2,642 |
| Net interest margin | 3.6811% | 2,717 |
| Noninterest income to average assets | 0.7930% | 1,596 |
| Noninterest expense to average assets | 2.8673% | 2,520 |
| Loan and lease loss provision to assets | 0.0746% | 2,472 |
| Net operating income to assets | 1.1719% | 1,698 |
| Return on assets (ROA) | 1.1719% | 1,736 |
| Pretax return on assets | 1.2309% | 2,656 |
| Return on Equity (ROE) | 10.3027% | 1,907 |
| Retained earnings to average equity (ytd only) | 4.0078% | 3,324 |
| Net charge-offs to loans | 0.0267% | 2,683 |
| Credit loss provision to net charge-offs | 390.6250% | 796 |
| Earnings coverage of net charge-offs (x) | 68.3750% | 853 |
| Efficiency ratio | 67.4769% | 3,098 |
| Assets per employee ($millions) | 4.9767% | 2,415 |
| Cash dividends to net income (ytd only)* | 61.0998% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3132% | 2,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3250% | 3,824 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 71.3646% | 2,310 |
| Net loans and leases to deposits | 88.3554% | 1,943 |
| Net loans and leases to core deposits | 95.5502% | 2,018 |
| Total domestic deposits to total assets | 80.7699% | 4,243 |
| Equity capital to assets | 11.5339% | 2,294 |
| Core capital (leverage) ratio | 10.7544% | 2,649 |
| Tier 1 risk-based capital ratio | 12.2744% | 4,442 |
| Total risk-based capital ratio | 13.3817% | 4,427 |
| Memoranda: | ||
| Average total assets | $670,384,670 | 1,096 |
| Average earning assets | $615,530,000 | 1,101 |
| Average equity | $76,251,670 | 1,065 |
| Average total loans | $479,774,670 | 1,077 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0020% | 3,036 |
| Cost of funding earning assets | 0.4344% | 2,667 |
| Net interest margin | 3.5676% | 3,019 |
| Noninterest income to average assets | 0.8994% | 1,244 |
| Noninterest expense to average assets | 2.8185% | 2,723 |
| Loan and lease loss provision to assets | 0.0755% | 2,297 |
| Net operating income to assets | 1.2226% | 1,452 |
| Return on assets (ROA) | 1.2226% | 1,491 |
| Pretax return on assets | 1.2794% | 2,308 |
| Return on Equity (ROE) | 10.8277% | 1,627 |
| Retained earnings to average equity (ytd only) | 4.4081% | 3,220 |
| Net charge-offs to loans | -0.0102% | 4,433 |
| Credit loss provision to net charge-offs | -1,041.6667% | 4,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3048% | 3,445 |
| Assets per employee ($millions) | 5.1816% | 2,204 |
| Cash dividends to net income (ytd only)* | 59.2885% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 2,136 |
| Loan loss allowance to noncurrent loans | 10,114.0625% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.3662% | 3,734 |
| Noncurrent loans to loans | 0.0137% | 5,184 |
| Net loans and leases to total assets | 68.3877% | 2,616 |
| Net loans and leases to deposits | 82.1958% | 2,482 |
| Net loans and leases to core deposits | 87.7848% | 2,568 |
| Total domestic deposits to total assets | 83.2009% | 3,767 |
| Equity capital to assets | 11.2092% | 2,420 |
| Core capital (leverage) ratio | 10.6552% | 2,733 |
| Tier 1 risk-based capital ratio | 12.5104% | 4,384 |
| Total risk-based capital ratio | 13.6662% | 4,338 |
| Memoranda: | ||
| Average total assets | $662,186,000 | 1,108 |
| Average earning assets | $607,692,500 | 1,115 |
| Average equity | $74,771,000 | 1,076 |
| Average total loans | $471,341,500 | 1,091 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0479% | 3,031 |
| Cost of funding earning assets | 0.3960% | 3,039 |
| Net interest margin | 3.6519% | 2,879 |
| Noninterest income to average assets | 0.8619% | 1,530 |
| Noninterest expense to average assets | 2.8874% | 2,720 |
| Loan and lease loss provision to assets | 0.4402% | 330 |
| Net operating income to assets | 0.8287% | 3,167 |
| Return on assets (ROA) | 0.9005% | 2,940 |
| Pretax return on assets | 0.9424% | 3,684 |
| Return on Equity (ROE) | 7.5331% | 3,202 |
| Retained earnings to average equity (ytd only) | -0.1674% | 5,331 |
| Net charge-offs to loans | 0.5648% | 413 |
| Credit loss provision to net charge-offs | 112.7511% | 2,334 |
| Earnings coverage of net charge-offs (x) | 3.3497% | 3,681 |
| Efficiency ratio | 67.5888% | 3,325 |
| Assets per employee ($millions) | 4.8565% | 2,564 |
| Cash dividends to net income (ytd only)* | 102.2222% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 2,373 |
| Loan loss allowance to noncurrent loans | 1,874.5562% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.4226% | 3,578 |
| Noncurrent loans to loans | 0.0711% | 4,954 |
| Net loans and leases to total assets | 72.1013% | 2,154 |
| Net loans and leases to deposits | 87.1394% | 2,031 |
| Net loans and leases to core deposits | 92.3656% | 2,261 |
| Total domestic deposits to total assets | 82.7425% | 3,846 |
| Equity capital to assets | 11.3768% | 2,263 |
| Core capital (leverage) ratio | 10.5920% | 2,783 |
| Tier 1 risk-based capital ratio | 12.4018% | 4,441 |
| Total risk-based capital ratio | 13.5365% | 4,394 |
| Memoranda: | ||
| Average total assets | $624,669,000 | 1,125 |
| Average earning assets | $570,199,400 | 1,137 |
| Average equity | $74,670,600 | 1,066 |
| Average total loans | $431,857,000 | 1,132 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0157% | 3,165 |
| Cost of funding earning assets | 0.3805% | 3,221 |
| Net interest margin | 3.6352% | 2,944 |
| Noninterest income to average assets | 0.8039% | 1,749 |
| Noninterest expense to average assets | 2.8560% | 2,802 |
| Loan and lease loss provision to assets | 0.4853% | 263 |
| Net operating income to assets | 0.7293% | 3,698 |
| Return on assets (ROA) | 0.8240% | 3,392 |
| Pretax return on assets | 0.8785% | 4,053 |
| Return on Equity (ROE) | 6.8064% | 3,662 |
| Retained earnings to average equity (ytd only) | -2.4589% | 5,627 |
| Net charge-offs to loans | 0.9059% | 196 |
| Credit loss provision to net charge-offs | 78.6713% | 2,682 |
| Earnings coverage of net charge-offs (x) | 2.0476% | 3,622 |
| Efficiency ratio | 68.1102% | 3,206 |
| Assets per employee ($millions) | 4.6885% | 2,765 |
| Cash dividends to net income (ytd only)* | 136.1255% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 3,254 |
| Loan loss allowance to noncurrent loans | 848.7461% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.4938% | 3,471 |
| Noncurrent loans to loans | 0.1410% | 4,777 |
| Net loans and leases to total assets | 71.6819% | 2,233 |
| Net loans and leases to deposits | 87.8114% | 2,042 |
| Net loans and leases to core deposits | 92.6657% | 2,319 |
| Total domestic deposits to total assets | 81.6317% | 4,066 |
| Equity capital to assets | 12.1953% | 1,985 |
| Core capital (leverage) ratio | 10.9205% | 2,540 |
| Tier 1 risk-based capital ratio | 12.5876% | 4,424 |
| Total risk-based capital ratio | 13.5904% | 4,484 |
| Memoranda: | ||
| Average total assets | $618,145,000 | 1,136 |
| Average earning assets | $563,735,250 | 1,151 |
| Average equity | $74,829,250 | 1,066 |
| Average total loans | $420,934,750 | 1,161 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9389% | 3,471 |
| Cost of funding earning assets | 0.3620% | 3,431 |
| Net interest margin | 3.5769% | 3,188 |
| Noninterest income to average assets | 0.7642% | 1,869 |
| Noninterest expense to average assets | 2.7741% | 3,117 |
| Loan and lease loss provision to assets | 0.1622% | 1,396 |
| Net operating income to assets | 1.0372% | 2,227 |
| Return on assets (ROA) | 1.0381% | 2,353 |
| Pretax return on assets | 1.0997% | 3,198 |
| Return on Equity (ROE) | 8.5967% | 2,698 |
| Retained earnings to average equity (ytd only) | -3.8993% | 5,689 |
| Net charge-offs to loans | 0.5394% | 390 |
| Credit loss provision to net charge-offs | 45.1671% | 2,718 |
| Earnings coverage of net charge-offs (x) | 3.5104% | 3,098 |
| Efficiency ratio | 67.5271% | 3,442 |
| Assets per employee ($millions) | 4.6622% | 2,777 |
| Cash dividends to net income (ytd only)* | 145.3579% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 3,114 |
| Loan loss allowance to noncurrent loans | 112.6403% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 0.8204% | 2,540 |
| Noncurrent loans to loans | 1.1035% | 2,084 |
| Net loans and leases to total assets | 67.8906% | 2,792 |
| Net loans and leases to deposits | 82.6504% | 2,630 |
| Net loans and leases to core deposits | 87.0925% | 2,805 |
| Total domestic deposits to total assets | 82.1419% | 3,961 |
| Equity capital to assets | 12.1446% | 2,020 |
| Core capital (leverage) ratio | 10.8995% | 2,528 |
| Tier 1 risk-based capital ratio | 12.8733% | 4,271 |
| Total risk-based capital ratio | 13.9009% | 4,320 |
| Memoranda: | ||
| Average total assets | $616,336,670 | 1,147 |
| Average earning assets | $563,608,670 | 1,154 |
| Average equity | $74,423,670 | 1,072 |
| Average total loans | $410,445,670 | 1,184 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9025% | 3,583 |
| Cost of funding earning assets | 0.3498% | 3,598 |
| Net interest margin | 3.5527% | 3,264 |
| Noninterest income to average assets | 0.7368% | 1,871 |
| Noninterest expense to average assets | 2.7254% | 3,325 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1951% | 1,574 |
| Return on assets (ROA) | 1.1951% | 1,675 |
| Pretax return on assets | 1.2616% | 2,467 |
| Return on Equity (ROE) | 9.9271% | 2,012 |
| Retained earnings to average equity (ytd only) | -9.4895% | 5,791 |
| Net charge-offs to loans | -0.4204% | 5,973 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1181% | 3,611 |
| Assets per employee ($millions) | 4.9167% | 2,435 |
| Cash dividends to net income (ytd only)* | 195.5923% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6174% | 1,558 |
| Loan loss allowance to noncurrent loans | 2,546.6403% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.1084% | 5,141 |
| Noncurrent loans to loans | 0.0635% | 5,228 |
| Net loans and leases to total assets | 64.2818% | 3,207 |
| Net loans and leases to deposits | 77.6303% | 3,041 |
| Net loans and leases to core deposits | 81.4134% | 3,186 |
| Total domestic deposits to total assets | 82.8051% | 3,964 |
| Equity capital to assets | 12.3352% | 1,793 |
| Core capital (leverage) ratio | 11.3209% | 2,123 |
| Tier 1 risk-based capital ratio | 13.7585% | 3,832 |
| Total risk-based capital ratio | 15.0093% | 3,766 |
| Memoranda: | ||
| Average total assets | $607,475,000 | 1,163 |
| Average earning assets | $555,745,500 | 1,166 |
| Average equity | $73,133,500 | 1,086 |
| Average total loans | $397,726,000 | 1,210 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9986% | 3,312 |
| Cost of funding earning assets | 0.3617% | 3,562 |
| Net interest margin | 3.6369% | 2,993 |
| Noninterest income to average assets | 0.8124% | 1,737 |
| Noninterest expense to average assets | 2.4217% | 4,461 |
| Loan and lease loss provision to assets | 0.0499% | 3,321 |
| Net operating income to assets | 1.5965% | 711 |
| Return on assets (ROA) | 1.5977% | 729 |
| Pretax return on assets | 1.6738% | 1,057 |
| Return on Equity (ROE) | 13.9313% | 853 |
| Retained earnings to average equity (ytd only) | 5.4419% | 2,109 |
| Net charge-offs to loans | -0.0290% | 5,389 |
| Credit loss provision to net charge-offs | -254.2373% | 5,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2530% | 5,229 |
| Assets per employee ($millions) | 5.2179% | 2,101 |
| Cash dividends to net income (ytd only)* | 60.9375% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5173% | 1,919 |
| Loan loss allowance to noncurrent loans | 2,353.5156% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.1097% | 5,155 |
| Noncurrent loans to loans | 0.0645% | 5,251 |
| Net loans and leases to total assets | 64.6109% | 3,181 |
| Net loans and leases to deposits | 77.4184% | 3,113 |
| Net loans and leases to core deposits | 80.7780% | 3,266 |
| Total domestic deposits to total assets | 83.4567% | 3,691 |
| Equity capital to assets | 11.7405% | 2,159 |
| Core capital (leverage) ratio | 10.7379% | 2,672 |
| Tier 1 risk-based capital ratio | 13.2762% | 4,118 |
| Total risk-based capital ratio | 14.5193% | 4,072 |
| Memoranda: | ||
| Average total assets | $600,847,600 | 1,129 |
| Average earning assets | $550,447,400 | 1,145 |
| Average equity | $68,909,800 | 1,103 |
| Average total loans | $407,492,800 | 1,134 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0023% | 3,330 |
| Cost of funding earning assets | 0.3558% | 3,686 |
| Net interest margin | 3.6465% | 2,975 |
| Noninterest income to average assets | 0.7645% | 1,963 |
| Noninterest expense to average assets | 2.4010% | 4,509 |
| Loan and lease loss provision to assets | 0.0500% | 3,208 |
| Net operating income to assets | 1.5801% | 810 |
| Return on assets (ROA) | 1.5818% | 842 |
| Pretax return on assets | 1.6578% | 1,218 |
| Return on Equity (ROE) | 13.8748% | 933 |
| Retained earnings to average equity (ytd only) | 4.9044% | 2,983 |
| Net charge-offs to loans | -0.0410% | 5,477 |
| Credit loss provision to net charge-offs | -178.5714% | 5,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3617% | 5,194 |
| Assets per employee ($millions) | 5.1049% | 2,171 |
| Cash dividends to net income (ytd only)* | 64.6521% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4644% | 2,310 |
| Loan loss allowance to noncurrent loans | 1,045.2632% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.2030% | 4,941 |
| Noncurrent loans to loans | 0.1401% | 5,070 |
| Net loans and leases to total assets | 67.7008% | 2,730 |
| Net loans and leases to deposits | 85.5330% | 2,203 |
| Net loans and leases to core deposits | 89.5952% | 2,502 |
| Total domestic deposits to total assets | 79.1517% | 4,939 |
| Equity capital to assets | 11.8351% | 2,232 |
| Core capital (leverage) ratio | 10.8701% | 2,619 |
| Tier 1 risk-based capital ratio | 12.7650% | 4,568 |
| Total risk-based capital ratio | 13.9703% | 4,509 |
| Memoranda: | ||
| Average total assets | $599,741,000 | 1,145 |
| Average earning assets | $549,739,750 | 1,150 |
| Average equity | $68,371,750 | 1,119 |
| Average total loans | $410,091,500 | 1,120 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9610% | 3,446 |
| Cost of funding earning assets | 0.3543% | 3,762 |
| Net interest margin | 3.6067% | 3,063 |
| Noninterest income to average assets | 0.7455% | 2,019 |
| Noninterest expense to average assets | 2.3621% | 4,689 |
| Loan and lease loss provision to assets | 0.0498% | 3,120 |
| Net operating income to assets | 1.5731% | 790 |
| Return on assets (ROA) | 1.5734% | 820 |
| Pretax return on assets | 1.6468% | 1,198 |
| Return on Equity (ROE) | 13.9761% | 907 |
| Retained earnings to average equity (ytd only) | 3.5044% | 3,805 |
| Net charge-offs to loans | -0.0049% | 4,730 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1230% | 5,321 |
| Assets per employee ($millions) | 5.3133% | 1,913 |
| Cash dividends to net income (ytd only)* | 74.9261% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4189% | 2,666 |
| Loan loss allowance to noncurrent loans | 826.2178% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.2284% | 4,959 |
| Noncurrent loans to loans | 0.1717% | 5,082 |
| Net loans and leases to total assets | 67.9361% | 2,655 |
| Net loans and leases to deposits | 81.1480% | 2,650 |
| Net loans and leases to core deposits | 84.8699% | 2,897 |
| Total domestic deposits to total assets | 83.7187% | 3,681 |
| Equity capital to assets | 11.4475% | 2,462 |
| Core capital (leverage) ratio | 10.2592% | 3,273 |
| Tier 1 risk-based capital ratio | 12.4384% | 4,850 |
| Total risk-based capital ratio | 13.5999% | 4,809 |
| Memoranda: | ||
| Average total assets | $602,266,670 | 1,147 |
| Average earning assets | $553,193,670 | 1,136 |
| Average equity | $67,801,330 | 1,133 |
| Average total loans | $411,169,330 | 1,117 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9266% | 3,504 |
| Cost of funding earning assets | 0.3478% | 3,882 |
| Net interest margin | 3.5788% | 3,083 |
| Noninterest income to average assets | 0.6974% | 2,169 |
| Noninterest expense to average assets | 2.3316% | 4,792 |
| Loan and lease loss provision to assets | 0.0493% | 2,942 |
| Net operating income to assets | 1.5323% | 801 |
| Return on assets (ROA) | 1.5323% | 843 |
| Pretax return on assets | 1.6039% | 1,263 |
| Return on Equity (ROE) | 13.7230% | 933 |
| Retained earnings to average equity (ytd only) | 5.7753% | 2,619 |
| Net charge-offs to loans | -0.0377% | 5,379 |
| Credit loss provision to net charge-offs | -192.3077% | 4,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4728% | 5,396 |
| Assets per employee ($millions) | 5.2559% | 2,049 |
| Cash dividends to net income (ytd only)* | 57.9151% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4229% | 2,817 |
| Loan loss allowance to noncurrent loans | 784.7737% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 5,021 |
| Noncurrent loans to loans | 0.1813% | 5,130 |
| Net loans and leases to total assets | 65.0103% | 2,934 |
| Net loans and leases to deposits | 77.3245% | 2,904 |
| Net loans and leases to core deposits | 81.0151% | 3,057 |
| Total domestic deposits to total assets | 84.0748% | 3,796 |
| Equity capital to assets | 11.3204% | 2,625 |
| Core capital (leverage) ratio | 10.3872% | 3,112 |
| Tier 1 risk-based capital ratio | 12.9963% | 4,606 |
| Total risk-based capital ratio | 14.2047% | 4,545 |
| Memoranda: | ||
| Average total assets | $608,509,500 | 1,138 |
| Average earning assets | $558,954,500 | 1,130 |
| Average equity | $67,944,500 | 1,134 |
| Average total loans | $413,533,500 | 1,108 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0570% | 3,495 |
| Cost of funding earning assets | 0.3927% | 3,761 |
| Net interest margin | 3.6643% | 3,152 |
| Noninterest income to average assets | 0.7455% | 2,098 |
| Noninterest expense to average assets | 2.4542% | 4,693 |
| Loan and lease loss provision to assets | 0.1215% | 2,155 |
| Net operating income to assets | 1.4720% | 930 |
| Return on assets (ROA) | 1.4864% | 942 |
| Pretax return on assets | 1.5564% | 1,367 |
| Return on Equity (ROE) | 13.8001% | 971 |
| Retained earnings to average equity (ytd only) | 5.8819% | 1,998 |
| Net charge-offs to loans | -0.0018% | 5,371 |
| Credit loss provision to net charge-offs | -10,214.2857% | 6,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5954% | 5,391 |
| Assets per employee ($millions) | 5.3275% | 1,928 |
| Cash dividends to net income (ytd only)* | 57.3780% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 3,321 |
| Loan loss allowance to noncurrent loans | 758.7280% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 5,099 |
| Noncurrent loans to loans | 0.1739% | 5,199 |
| Net loans and leases to total assets | 69.0527% | 2,385 |
| Net loans and leases to deposits | 83.0043% | 2,338 |
| Net loans and leases to core deposits | 87.4020% | 2,565 |
| Total domestic deposits to total assets | 83.1918% | 4,009 |
| Equity capital to assets | 11.0104% | 2,886 |
| Core capital (leverage) ratio | 10.2040% | 3,304 |
| Tier 1 risk-based capital ratio | 12.2507% | 5,192 |
| Total risk-based capital ratio | 13.3925% | 5,174 |
| Memoranda: | ||
| Average total assets | $588,616,800 | 1,126 |
| Average earning assets | $541,606,600 | 1,118 |
| Average equity | $63,398,200 | 1,153 |
| Average total loans | $389,129,600 | 1,137 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0457% | 3,576 |
| Cost of funding earning assets | 0.3904% | 3,894 |
| Net interest margin | 3.6553% | 3,205 |
| Noninterest income to average assets | 0.7065% | 2,296 |
| Noninterest expense to average assets | 2.4374% | 4,708 |
| Loan and lease loss provision to assets | 0.1336% | 1,873 |
| Net operating income to assets | 1.4271% | 1,078 |
| Return on assets (ROA) | 1.4403% | 1,092 |
| Pretax return on assets | 1.5141% | 1,600 |
| Return on Equity (ROE) | 13.4502% | 1,107 |
| Retained earnings to average equity (ytd only) | 4.8786% | 3,170 |
| Net charge-offs to loans | 0.0025% | 4,627 |
| Credit loss provision to net charge-offs | 8,357.1429% | 51 |
| Earnings coverage of net charge-offs (x) | 1,022.4823% | 69 |
| Efficiency ratio | 58.7437% | 5,343 |
| Assets per employee ($millions) | 5.1933% | 2,025 |
| Cash dividends to net income (ytd only)* | 63.7286% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 3,424 |
| Loan loss allowance to noncurrent loans | 955.0699% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.2068% | 5,399 |
| Noncurrent loans to loans | 0.1407% | 5,500 |
| Net loans and leases to total assets | 67.1412% | 2,664 |
| Net loans and leases to deposits | 88.8231% | 1,574 |
| Net loans and leases to core deposits | 94.1066% | 1,853 |
| Total domestic deposits to total assets | 75.5898% | 5,865 |
| Equity capital to assets | 10.9038% | 3,063 |
| Core capital (leverage) ratio | 10.1237% | 3,502 |
| Tier 1 risk-based capital ratio | 12.5215% | 5,159 |
| Total risk-based capital ratio | 13.6875% | 5,137 |
| Memoranda: | ||
| Average total assets | $583,937,750 | 1,141 |
| Average earning assets | $537,509,750 | 1,134 |
| Average equity | $62,530,250 | 1,176 |
| Average total loans | $380,165,250 | 1,172 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0021% | 3,720 |
| Cost of funding earning assets | 0.4014% | 3,854 |
| Net interest margin | 3.6007% | 3,355 |
| Noninterest income to average assets | 0.7168% | 2,201 |
| Noninterest expense to average assets | 2.4576% | 4,707 |
| Loan and lease loss provision to assets | 0.1346% | 1,836 |
| Net operating income to assets | 1.3663% | 1,145 |
| Return on assets (ROA) | 1.3663% | 1,184 |
| Pretax return on assets | 1.4405% | 1,750 |
| Return on Equity (ROE) | 12.8400% | 1,221 |
| Retained earnings to average equity (ytd only) | 2.8832% | 4,366 |
| Net charge-offs to loans | -0.0452% | 5,826 |
| Credit loss provision to net charge-offs | -464.2857% | 5,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6234% | 5,349 |
| Assets per employee ($millions) | 5.0140% | 2,199 |
| Cash dividends to net income (ytd only)* | 77.5448% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 3,460 |
| Loan loss allowance to noncurrent loans | 415.4264% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.3358% | 5,039 |
| Noncurrent loans to loans | 0.3318% | 5,022 |
| Net loans and leases to total assets | 65.3621% | 2,854 |
| Net loans and leases to deposits | 80.3600% | 2,467 |
| Net loans and leases to core deposits | 83.5033% | 2,790 |
| Total domestic deposits to total assets | 81.3366% | 4,865 |
| Equity capital to assets | 10.8717% | 3,011 |
| Core capital (leverage) ratio | 9.9754% | 3,649 |
| Tier 1 risk-based capital ratio | 12.6450% | 5,129 |
| Total risk-based capital ratio | 13.8292% | 5,105 |
| Memoranda: | ||
| Average total assets | $579,505,670 | 1,142 |
| Average earning assets | $533,671,330 | 1,139 |
| Average equity | $61,666,670 | 1,183 |
| Average total loans | $371,402,670 | 1,188 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1513% | 3,066 |
| Cost of funding earning assets | 0.4715% | 3,216 |
| Net interest margin | 3.6798% | 2,950 |
| Noninterest income to average assets | 0.7612% | 1,905 |
| Noninterest expense to average assets | 2.5992% | 4,272 |
| Loan and lease loss provision to assets | 0.1456% | 1,673 |
| Net operating income to assets | 1.3467% | 1,108 |
| Return on assets (ROA) | 1.3467% | 1,149 |
| Pretax return on assets | 1.4185% | 1,683 |
| Return on Equity (ROE) | 12.8217% | 1,206 |
| Retained earnings to average equity (ytd only) | 5.4263% | 2,836 |
| Net charge-offs to loans | -0.1096% | 6,151 |
| Credit loss provision to net charge-offs | -192.3077% | 4,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4300% | 5,069 |
| Assets per employee ($millions) | 4.3702% | 3,202 |
| Cash dividends to net income (ytd only)* | 57.6784% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7743% | 2,120 |
| Loan loss allowance to noncurrent loans | 661.7251% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.3624% | 5,075 |
| Noncurrent loans to loans | 0.2681% | 5,301 |
| Net loans and leases to total assets | 66.8813% | 2,415 |
| Net loans and leases to deposits | 80.6914% | 2,204 |
| Net loans and leases to core deposits | 84.3226% | 2,481 |
| Total domestic deposits to total assets | 82.8853% | 4,647 |
| Equity capital to assets | 10.8516% | 2,878 |
| Core capital (leverage) ratio | 10.3900% | 3,058 |
| Tier 1 risk-based capital ratio | 13.1912% | 4,899 |
| Total risk-based capital ratio | 14.4448% | 4,833 |
| Memoranda: | ||
| Average total assets | $411,980,000 | 1,631 |
| Average earning assets | $380,889,500 | 1,616 |
| Average equity | $43,270,500 | 1,640 |
| Average total loans | $284,751,500 | 1,506 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2193% | 3,273 |
| Cost of funding earning assets | 0.5444% | 3,158 |
| Net interest margin | 3.6749% | 3,153 |
| Noninterest income to average assets | 0.8763% | 1,765 |
| Noninterest expense to average assets | 2.5542% | 4,603 |
| Loan and lease loss provision to assets | 0.0738% | 3,638 |
| Net operating income to assets | 1.5586% | 743 |
| Return on assets (ROA) | 1.5586% | 768 |
| Pretax return on assets | 1.6262% | 1,106 |
| Return on Equity (ROE) | 14.7115% | 812 |
| Retained earnings to average equity (ytd only) | 4.9062% | 2,666 |
| Net charge-offs to loans | -0.1171% | 6,513 |
| Credit loss provision to net charge-offs | -93.7500% | 5,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0393% | 5,468 |
| Assets per employee ($millions) | 4.5883% | 2,738 |
| Cash dividends to net income (ytd only)* | 66.6509% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5992% | 2,765 |
| Loan loss allowance to noncurrent loans | 780.3333% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.3188% | 5,302 |
| Noncurrent loans to loans | 0.2049% | 5,573 |
| Net loans and leases to total assets | 68.9975% | 2,173 |
| Net loans and leases to deposits | 86.8928% | 1,588 |
| Net loans and leases to core deposits | 92.5768% | 1,718 |
| Total domestic deposits to total assets | 79.4054% | 5,575 |
| Equity capital to assets | 10.1638% | 3,552 |
| Core capital (leverage) ratio | 10.2738% | 3,185 |
| Tier 1 risk-based capital ratio | 12.3833% | 5,367 |
| Total risk-based capital ratio | 13.6350% | 5,302 |
| Memoranda: | ||
| Average total assets | $406,703,000 | 1,620 |
| Average earning assets | $373,832,000 | 1,616 |
| Average equity | $43,088,600 | 1,628 |
| Average total loans | $273,259,000 | 1,542 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2253% | 3,294 |
| Cost of funding earning assets | 0.5549% | 3,214 |
| Net interest margin | 3.6704% | 3,146 |
| Noninterest income to average assets | 0.8508% | 1,931 |
| Noninterest expense to average assets | 2.5561% | 4,528 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5990% | 751 |
| Return on assets (ROA) | 1.5990% | 795 |
| Pretax return on assets | 1.6630% | 1,178 |
| Return on Equity (ROE) | 14.9355% | 807 |
| Retained earnings to average equity (ytd only) | 4.4853% | 3,479 |
| Net charge-offs to loans | -0.1699% | 6,619 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5835% | 5,349 |
| Assets per employee ($millions) | 4.5385% | 2,821 |
| Cash dividends to net income (ytd only)* | 69.9691% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5664% | 3,159 |
| Loan loss allowance to noncurrent loans | 365.7807% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.4722% | 5,012 |
| Noncurrent loans to loans | 0.4282% | 5,130 |
| Net loans and leases to total assets | 67.0100% | 2,457 |
| Net loans and leases to deposits | 87.1576% | 1,477 |
| Net loans and leases to core deposits | 91.6073% | 1,803 |
| Total domestic deposits to total assets | 76.8838% | 6,063 |
| Equity capital to assets | 10.2866% | 3,522 |
| Core capital (leverage) ratio | 10.3326% | 3,196 |
| Tier 1 risk-based capital ratio | 12.5878% | 5,401 |
| Total risk-based capital ratio | 13.8391% | 5,345 |
| Memoranda: | ||
| Average total assets | $403,996,000 | 1,640 |
| Average earning assets | $370,741,000 | 1,637 |
| Average equity | $43,251,500 | 1,629 |
| Average total loans | $268,381,750 | 1,565 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2315% | 3,234 |
| Cost of funding earning assets | 0.5739% | 3,177 |
| Net interest margin | 3.6576% | 3,147 |
| Noninterest income to average assets | 0.8903% | 1,845 |
| Noninterest expense to average assets | 2.5611% | 4,516 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6300% | 706 |
| Return on assets (ROA) | 1.6300% | 773 |
| Pretax return on assets | 1.6888% | 1,138 |
| Return on Equity (ROE) | 15.0228% | 810 |
| Retained earnings to average equity (ytd only) | 3.3052% | 4,209 |
| Net charge-offs to loans | -0.3180% | 6,768 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2629% | 5,449 |
| Assets per employee ($millions) | 4.1986% | 3,361 |
| Cash dividends to net income (ytd only)* | 77.9988% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7058% | 2,764 |
| Loan loss allowance to noncurrent loans | 329.5588% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.5293% | 4,940 |
| Noncurrent loans to loans | 0.5176% | 4,976 |
| Net loans and leases to total assets | 65.4417% | 2,689 |
| Net loans and leases to deposits | 77.9360% | 2,580 |
| Net loans and leases to core deposits | 81.3975% | 2,871 |
| Total domestic deposits to total assets | 83.9685% | 4,329 |
| Equity capital to assets | 10.4286% | 3,390 |
| Core capital (leverage) ratio | 9.9529% | 3,583 |
| Tier 1 risk-based capital ratio | 13.1173% | 5,054 |
| Total risk-based capital ratio | 14.3699% | 4,996 |
| Memoranda: | ||
| Average total assets | $400,993,330 | 1,651 |
| Average earning assets | $368,333,670 | 1,643 |
| Average equity | $43,507,330 | 1,618 |
| Average total loans | $264,123,000 | 1,581 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2697% | 3,025 |
| Cost of funding earning assets | 0.5899% | 3,205 |
| Net interest margin | 3.6798% | 2,952 |
| Noninterest income to average assets | 0.9788% | 1,524 |
| Noninterest expense to average assets | 2.5139% | 4,704 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7567% | 511 |
| Return on assets (ROA) | 1.7567% | 567 |
| Pretax return on assets | 1.8359% | 826 |
| Return on Equity (ROE) | 15.8901% | 626 |
| Retained earnings to average equity (ytd only) | 8.2628% | 1,656 |
| Net charge-offs to loans | -0.6344% | 6,882 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7929% | 5,872 |
| Assets per employee ($millions) | 4.3885% | 3,172 |
| Cash dividends to net income (ytd only)* | 48.0000% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7286% | 2,885 |
| Loan loss allowance to noncurrent loans | 393.1579% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.4448% | 5,270 |
| Noncurrent loans to loans | 0.4397% | 5,321 |
| Net loans and leases to total assets | 63.1110% | 2,869 |
| Net loans and leases to deposits | 75.6712% | 2,689 |
| Net loans and leases to core deposits | 79.2650% | 2,893 |
| Total domestic deposits to total assets | 83.4016% | 4,712 |
| Equity capital to assets | 11.1149% | 2,832 |
| Core capital (leverage) ratio | 10.2449% | 3,085 |
| Tier 1 risk-based capital ratio | 13.1233% | 5,127 |
| Total risk-based capital ratio | 14.3759% | 5,079 |
| Memoranda: | ||
| Average total assets | $404,157,000 | 1,655 |
| Average earning assets | $370,240,000 | 1,653 |
| Average equity | $44,682,000 | 1,599 |
| Average total loans | $264,805,500 | 1,587 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4698% | 3,525 |
| Cost of funding earning assets | 0.7847% | 2,784 |
| Net interest margin | 3.6851% | 3,713 |
| Noninterest income to average assets | 0.8418% | 2,075 |
| Noninterest expense to average assets | 2.5669% | 4,876 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.5750% | 792 |
| Return on assets (ROA) | 1.7088% | 682 |
| Pretax return on assets | 1.7893% | 938 |
| Return on Equity (ROE) | 14.9705% | 814 |
| Retained earnings to average equity (ytd only) | 2.9067% | 4,184 |
| Net charge-offs to loans | -0.0321% | 6,622 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8937% | 5,404 |
| Assets per employee ($millions) | 4.2587% | 3,445 |
| Cash dividends to net income (ytd only)* | 80.5839% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5026% | 3,735 |
| Loan loss allowance to noncurrent loans | 404.1791% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.3653% | 5,597 |
| Noncurrent loans to loans | 0.3718% | 5,563 |
| Net loans and leases to total assets | 65.8131% | 2,559 |
| Net loans and leases to deposits | 83.6057% | 1,800 |
| Net loans and leases to core deposits | 88.0206% | 2,082 |
| Total domestic deposits to total assets | 78.7185% | 5,953 |
| Equity capital to assets | 10.9965% | 2,961 |
| Core capital (leverage) ratio | 10.3838% | 2,907 |
| Tier 1 risk-based capital ratio | 12.5637% | 5,430 |
| Total risk-based capital ratio | 13.8141% | 5,381 |
| Memoranda: | ||
| Average total assets | $384,897,200 | 1,696 |
| Average earning assets | $352,363,000 | 1,695 |
| Average equity | $43,933,000 | 1,587 |
| Average total loans | $249,320,800 | 1,651 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5376% | 3,480 |
| Cost of funding earning assets | 0.8198% | 2,778 |
| Net interest margin | 3.7178% | 3,716 |
| Noninterest income to average assets | 0.7990% | 2,247 |
| Noninterest expense to average assets | 2.5727% | 4,834 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5643% | 927 |
| Return on assets (ROA) | 1.6587% | 831 |
| Pretax return on assets | 1.7299% | 1,204 |
| Return on Equity (ROE) | 14.3913% | 1,028 |
| Retained earnings to average equity (ytd only) | 0.3867% | 5,971 |
| Net charge-offs to loans | -0.0355% | 6,620 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1918% | 5,277 |
| Assets per employee ($millions) | 4.2677% | 3,341 |
| Cash dividends to net income (ytd only)* | 97.3133% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6268% | 3,425 |
| Loan loss allowance to noncurrent loans | 410.4462% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 5,739 |
| Noncurrent loans to loans | 0.3964% | 5,665 |
| Net loans and leases to total assets | 64.4305% | 2,949 |
| Net loans and leases to deposits | 82.3564% | 2,068 |
| Net loans and leases to core deposits | 88.5426% | 2,153 |
| Total domestic deposits to total assets | 78.2337% | 6,026 |
| Equity capital to assets | 11.5735% | 2,676 |
| Core capital (leverage) ratio | 10.0425% | 3,487 |
| Tier 1 risk-based capital ratio | 13.3685% | 4,973 |
| Total risk-based capital ratio | 14.6204% | 4,930 |
| Memoranda: | ||
| Average total assets | $379,977,500 | 1,731 |
| Average earning assets | $348,048,500 | 1,731 |
| Average equity | $43,794,000 | 1,609 |
| Average total loans | $244,069,500 | 1,704 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4879% | 3,817 |
| Cost of funding earning assets | 0.8427% | 2,858 |
| Net interest margin | 3.6452% | 4,060 |
| Noninterest income to average assets | 0.8257% | 2,074 |
| Noninterest expense to average assets | 2.5572% | 4,934 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.5503% | 907 |
| Return on assets (ROA) | 1.6499% | 841 |
| Pretax return on assets | 1.7209% | 1,208 |
| Return on Equity (ROE) | 14.3350% | 1,042 |
| Retained earnings to average equity (ytd only) | -2.1262% | 6,373 |
| Net charge-offs to loans | -0.0553% | 6,691 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2582% | 5,371 |
| Assets per employee ($millions) | 4.2286% | 3,406 |
| Cash dividends to net income (ytd only)* | 114.8325% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6118% | 3,562 |
| Loan loss allowance to noncurrent loans | 355.4873% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.4210% | 5,730 |
| Noncurrent loans to loans | 0.4534% | 5,627 |
| Net loans and leases to total assets | 64.2318% | 2,983 |
| Net loans and leases to deposits | 81.6959% | 2,154 |
| Net loans and leases to core deposits | 87.8366% | 2,224 |
| Total domestic deposits to total assets | 78.6229% | 6,035 |
| Equity capital to assets | 11.2602% | 2,834 |
| Core capital (leverage) ratio | 10.0179% | 3,404 |
| Tier 1 risk-based capital ratio | 12.9621% | 5,209 |
| Total risk-based capital ratio | 14.2135% | 5,183 |
| Memoranda: | ||
| Average total assets | $380,028,330 | 1,737 |
| Average earning assets | $349,117,670 | 1,727 |
| Average equity | $43,739,000 | 1,599 |
| Average total loans | $242,502,670 | 1,703 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5407% | 3,752 |
| Cost of funding earning assets | 0.8682% | 2,933 |
| Net interest margin | 3.6725% | 3,951 |
| Noninterest income to average assets | 0.8241% | 2,050 |
| Noninterest expense to average assets | 2.5876% | 4,866 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5376% | 960 |
| Return on assets (ROA) | 1.6301% | 915 |
| Pretax return on assets | 1.7022% | 1,295 |
| Return on Equity (ROE) | 14.0089% | 1,183 |
| Retained earnings to average equity (ytd only) | 7.1819% | 2,330 |
| Net charge-offs to loans | -0.0370% | 6,425 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7075% | 5,326 |
| Assets per employee ($millions) | 4.3854% | 3,214 |
| Cash dividends to net income (ytd only)* | 48.7329% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7491% | 3,166 |
| Loan loss allowance to noncurrent loans | 142.8979% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.9005% | 4,724 |
| Noncurrent loans to loans | 1.2240% | 4,291 |
| Net loans and leases to total assets | 59.6379% | 3,746 |
| Net loans and leases to deposits | 72.9510% | 3,276 |
| Net loans and leases to core deposits | 78.1859% | 3,300 |
| Total domestic deposits to total assets | 81.7506% | 5,375 |
| Equity capital to assets | 11.6956% | 2,266 |
| Core capital (leverage) ratio | 10.4703% | 2,785 |
| Tier 1 risk-based capital ratio | 14.4691% | 4,136 |
| Total risk-based capital ratio | 15.7219% | 4,094 |
| Memoranda: | ||
| Average total assets | $377,640,000 | 1,756 |
| Average earning assets | $346,466,500 | 1,746 |
| Average equity | $43,943,500 | 1,581 |
| Average total loans | $238,146,000 | 1,733 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0599% | 2,608 |
| Cost of funding earning assets | 1.0875% | 2,749 |
| Net interest margin | 3.9723% | 3,012 |
| Noninterest income to average assets | 0.9340% | 1,554 |
| Noninterest expense to average assets | 2.6642% | 4,872 |
| Loan and lease loss provision to assets | 0.1115% | 5,195 |
| Net operating income to assets | 1.6643% | 591 |
| Return on assets (ROA) | 1.6876% | 596 |
| Pretax return on assets | 1.7640% | 870 |
| Return on Equity (ROE) | 14.8573% | 772 |
| Retained earnings to average equity (ytd only) | 8.9929% | 803 |
| Net charge-offs to loans | 0.0962% | 5,386 |
| Credit loss provision to net charge-offs | 172.4138% | 1,538 |
| Earnings coverage of net charge-offs (x) | 28.6293% | 869 |
| Efficiency ratio | 59.0025% | 5,900 |
| Assets per employee ($millions) | 4.2015% | 3,465 |
| Cash dividends to net income (ytd only)* | 39.4715% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6097% | 3,547 |
| Loan loss allowance to noncurrent loans | 129.8761% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.9602% | 4,691 |
| Noncurrent loans to loans | 1.2394% | 4,294 |
| Net loans and leases to total assets | 64.3644% | 3,101 |
| Net loans and leases to deposits | 79.8422% | 2,548 |
| Net loans and leases to core deposits | 86.5819% | 2,559 |
| Total domestic deposits to total assets | 80.6145% | 5,557 |
| Equity capital to assets | 11.5772% | 2,447 |
| Core capital (leverage) ratio | 10.8148% | 2,426 |
| Tier 1 risk-based capital ratio | 13.2468% | 4,878 |
| Total risk-based capital ratio | 14.4984% | 4,857 |
| Memoranda: | ||
| Average total assets | $358,789,800 | 1,805 |
| Average earning assets | $323,487,000 | 1,827 |
| Average equity | $40,754,400 | 1,652 |
| Average total loans | $241,137,600 | 1,735 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3951% | 1,524 |
| Cost of funding earning assets | 1.2299% | 2,125 |
| Net interest margin | 4.1651% | 2,223 |
| Noninterest income to average assets | 0.7212% | 2,478 |
| Noninterest expense to average assets | 2.7533% | 4,522 |
| Loan and lease loss provision to assets | 0.1496% | 4,575 |
| Net operating income to assets | 1.4867% | 965 |
| Return on assets (ROA) | 1.5230% | 971 |
| Pretax return on assets | 1.5957% | 1,400 |
| Return on Equity (ROE) | 13.7576% | 1,092 |
| Retained earnings to average equity (ytd only) | 6.5233% | 2,228 |
| Net charge-offs to loans | 0.1022% | 4,972 |
| Credit loss provision to net charge-offs | 211.0390% | 1,376 |
| Earnings coverage of net charge-offs (x) | 24.0842% | 1,091 |
| Efficiency ratio | 61.7274% | 5,457 |
| Assets per employee ($millions) | 3.8152% | 4,279 |
| Cash dividends to net income (ytd only)* | 52.5838% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6677% | 3,387 |
| Loan loss allowance to noncurrent loans | 99.2956% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 1.1750% | 4,435 |
| Noncurrent loans to loans | 1.6796% | 3,786 |
| Net loans and leases to total assets | 68.7925% | 2,314 |
| Net loans and leases to deposits | 89.0478% | 1,316 |
| Net loans and leases to core deposits | 98.6733% | 1,371 |
| Total domestic deposits to total assets | 77.2534% | 6,338 |
| Equity capital to assets | 11.5642% | 2,630 |
| Core capital (leverage) ratio | 10.2274% | 3,160 |
| Tier 1 risk-based capital ratio | 12.6036% | 5,402 |
| Total risk-based capital ratio | 13.8559% | 5,379 |
| Memoranda: | ||
| Average total assets | $289,685,750 | 2,212 |
| Average earning assets | $260,058,750 | 2,246 |
| Average equity | $32,068,750 | 2,071 |
| Average total loans | $200,905,000 | 2,056 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3612% | 1,684 |
| Cost of funding earning assets | 1.2603% | 2,184 |
| Net interest margin | 4.1008% | 2,409 |
| Noninterest income to average assets | 0.7148% | 2,462 |
| Noninterest expense to average assets | 2.7348% | 4,678 |
| Loan and lease loss provision to assets | 0.1036% | 5,014 |
| Net operating income to assets | 1.4869% | 919 |
| Return on assets (ROA) | 1.4876% | 972 |
| Pretax return on assets | 1.5601% | 1,356 |
| Return on Equity (ROE) | 13.6410% | 1,061 |
| Retained earnings to average equity (ytd only) | 8.3214% | 1,336 |
| Net charge-offs to loans | 0.0509% | 5,144 |
| Credit loss provision to net charge-offs | 294.1176% | 1,037 |
| Earnings coverage of net charge-offs (x) | 47.2157% | 653 |
| Efficiency ratio | 62.1859% | 5,561 |
| Assets per employee ($millions) | 3.9235% | 3,941 |
| Cash dividends to net income (ytd only)* | 38.9972% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6345% | 3,564 |
| Loan loss allowance to noncurrent loans | 119.8335% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.9516% | 4,957 |
| Noncurrent loans to loans | 1.3639% | 4,373 |
| Net loans and leases to total assets | 68.6308% | 2,485 |
| Net loans and leases to deposits | 85.4730% | 1,863 |
| Net loans and leases to core deposits | 94.2757% | 1,865 |
| Total domestic deposits to total assets | 80.2953% | 5,743 |
| Equity capital to assets | 11.2894% | 2,689 |
| Core capital (leverage) ratio | 10.0421% | 3,213 |
| Tier 1 risk-based capital ratio | 12.4894% | 5,357 |
| Total risk-based capital ratio | 13.7418% | 5,330 |
| Memoranda: | ||
| Average total assets | $289,595,670 | 2,221 |
| Average earning assets | $260,092,670 | 2,253 |
| Average equity | $31,581,330 | 2,085 |
| Average total loans | $200,256,330 | 2,081 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2791% | 1,937 |
| Cost of funding earning assets | 1.2842% | 2,279 |
| Net interest margin | 3.9949% | 2,707 |
| Noninterest income to average assets | 0.7385% | 2,328 |
| Noninterest expense to average assets | 2.6858% | 4,894 |
| Loan and lease loss provision to assets | 0.1037% | 4,713 |
| Net operating income to assets | 1.4466% | 994 |
| Return on assets (ROA) | 1.4466% | 1,030 |
| Pretax return on assets | 1.5199% | 1,389 |
| Return on Equity (ROE) | 13.5042% | 1,090 |
| Retained earnings to average equity (ytd only) | 8.4692% | 1,561 |
| Net charge-offs to loans | 0.0281% | 4,697 |
| Credit loss provision to net charge-offs | 535.7143% | 676 |
| Earnings coverage of net charge-offs (x) | 83.8571% | 366 |
| Efficiency ratio | 62.3235% | 5,632 |
| Assets per employee ($millions) | 4.0435% | 3,749 |
| Cash dividends to net income (ytd only)* | 37.2849% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7236% | 3,264 |
| Loan loss allowance to noncurrent loans | 125.5466% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.8955% | 5,113 |
| Noncurrent loans to loans | 1.3729% | 4,412 |
| Net loans and leases to total assets | 64.1021% | 3,424 |
| Net loans and leases to deposits | 79.1008% | 2,872 |
| Net loans and leases to core deposits | 86.0540% | 2,867 |
| Total domestic deposits to total assets | 81.0384% | 5,642 |
| Equity capital to assets | 10.7429% | 2,938 |
| Core capital (leverage) ratio | 9.8911% | 3,279 |
| Tier 1 risk-based capital ratio | 12.7227% | 5,038 |
| Total risk-based capital ratio | 13.9756% | 5,011 |
| Memoranda: | ||
| Average total assets | $289,222,500 | 2,236 |
| Average earning assets | $258,531,000 | 2,282 |
| Average equity | $30,983,000 | 2,114 |
| Average total loans | $199,097,000 | 2,117 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8773% | 1,087 |
| Cost of funding earning assets | 1.5581% | 2,314 |
| Net interest margin | 4.3192% | 1,759 |
| Noninterest income to average assets | 0.8636% | 2,001 |
| Noninterest expense to average assets | 2.7680% | 4,714 |
| Loan and lease loss provision to assets | 0.3995% | 3,721 |
| Net operating income to assets | 1.4627% | 835 |
| Return on assets (ROA) | 1.4990% | 824 |
| Pretax return on assets | 1.5756% | 1,185 |
| Return on Equity (ROE) | 13.4724% | 990 |
| Retained earnings to average equity (ytd only) | 7.2605% | 1,221 |
| Net charge-offs to loans | 0.2667% | 4,698 |
| Credit loss provision to net charge-offs | 196.8864% | 1,609 |
| Earnings coverage of net charge-offs (x) | 9.5458% | 1,808 |
| Efficiency ratio | 58.8342% | 6,231 |
| Assets per employee ($millions) | 3.9905% | 3,807 |
| Cash dividends to net income (ytd only)* | 46.1081% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5420% | 3,814 |
| Loan loss allowance to noncurrent loans | 128.4800% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.8701% | 5,271 |
| Noncurrent loans to loans | 1.2002% | 4,721 |
| Net loans and leases to total assets | 71.3811% | 2,220 |
| Net loans and leases to deposits | 88.4297% | 1,734 |
| Net loans and leases to core deposits | 97.3582% | 1,858 |
| Total domestic deposits to total assets | 80.7207% | 5,614 |
| Equity capital to assets | 10.6817% | 2,976 |
| Core capital (leverage) ratio | 10.0379% | 3,048 |
| Tier 1 risk-based capital ratio | 11.8063% | 5,647 |
| Total risk-based capital ratio | 13.0576% | 5,640 |
| Memoranda: | ||
| Average total assets | $269,110,200 | 2,366 |
| Average earning assets | $239,327,800 | 2,431 |
| Average equity | $29,942,800 | 2,178 |
| Average total loans | $204,728,800 | 2,115 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0110% | 911 |
| Cost of funding earning assets | 1.6189% | 2,284 |
| Net interest margin | 4.3921% | 1,549 |
| Noninterest income to average assets | 0.8865% | 1,848 |
| Noninterest expense to average assets | 2.8278% | 4,362 |
| Loan and lease loss provision to assets | 0.2772% | 4,365 |
| Net operating income to assets | 1.6238% | 711 |
| Return on assets (ROA) | 1.6722% | 709 |
| Pretax return on assets | 1.7478% | 1,018 |
| Return on Equity (ROE) | 14.8672% | 885 |
| Retained earnings to average equity (ytd only) | 9.2662% | 973 |
| Net charge-offs to loans | 0.0569% | 5,949 |
| Credit loss provision to net charge-offs | 632.1839% | 467 |
| Earnings coverage of net charge-offs (x) | 45.0334% | 617 |
| Efficiency ratio | 58.8834% | 6,125 |
| Assets per employee ($millions) | 3.7285% | 4,438 |
| Cash dividends to net income (ytd only)* | 37.6734% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 3,704 |
| Loan loss allowance to noncurrent loans | 264.5921% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.4556% | 6,288 |
| Noncurrent loans to loans | 0.5890% | 6,037 |
| Net loans and leases to total assets | 76.1449% | 1,383 |
| Net loans and leases to deposits | 96.4602% | 927 |
| Net loans and leases to core deposits | 104.9276% | 1,404 |
| Total domestic deposits to total assets | 78.9392% | 6,037 |
| Equity capital to assets | 11.8496% | 2,251 |
| Core capital (leverage) ratio | 10.6249% | 2,570 |
| Tier 1 risk-based capital ratio | 12.3115% | 5,166 |
| Total risk-based capital ratio | 13.5633% | 5,143 |
| Memoranda: | ||
| Average total assets | $264,559,250 | 2,450 |
| Average earning assets | $235,872,000 | 2,512 |
| Average equity | $29,756,000 | 2,218 |
| Average total loans | $203,836,000 | 2,154 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9234% | 1,130 |
| Cost of funding earning assets | 1.6807% | 2,220 |
| Net interest margin | 4.2427% | 2,005 |
| Noninterest income to average assets | 0.9121% | 1,652 |
| Noninterest expense to average assets | 2.8335% | 4,346 |
| Loan and lease loss provision to assets | 0.2258% | 4,647 |
| Net operating income to assets | 1.5639% | 794 |
| Return on assets (ROA) | 1.5639% | 847 |
| Pretax return on assets | 1.6392% | 1,188 |
| Return on Equity (ROE) | 14.1526% | 1,013 |
| Retained earnings to average equity (ytd only) | 8.3635% | 1,310 |
| Net charge-offs to loans | 0.0870% | 5,268 |
| Credit loss provision to net charge-offs | 337.0787% | 1,078 |
| Earnings coverage of net charge-offs (x) | 27.8427% | 964 |
| Efficiency ratio | 60.3075% | 5,995 |
| Assets per employee ($millions) | 3.7051% | 4,456 |
| Cash dividends to net income (ytd only)* | 40.9047% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3964% | 4,450 |
| Loan loss allowance to noncurrent loans | 504.1812% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 6,860 |
| Noncurrent loans to loans | 0.2770% | 6,677 |
| Net loans and leases to total assets | 76.6045% | 1,369 |
| Net loans and leases to deposits | 99.1721% | 789 |
| Net loans and leases to core deposits | 109.4265% | 1,202 |
| Total domestic deposits to total assets | 77.2440% | 6,441 |
| Equity capital to assets | 11.2796% | 2,609 |
| Core capital (leverage) ratio | 10.1527% | 2,994 |
| Tier 1 risk-based capital ratio | 11.6347% | 5,639 |
| Total risk-based capital ratio | 12.8849% | 5,602 |
| Memoranda: | ||
| Average total assets | $265,746,670 | 2,456 |
| Average earning assets | $237,160,330 | 2,516 |
| Average equity | $29,365,670 | 2,233 |
| Average total loans | $204,487,330 | 2,174 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8023% | 1,445 |
| Cost of funding earning assets | 1.6522% | 2,636 |
| Net interest margin | 4.1500% | 2,236 |
| Noninterest income to average assets | 0.8219% | 1,923 |
| Noninterest expense to average assets | 2.7372% | 4,735 |
| Loan and lease loss provision to assets | 0.2262% | 4,229 |
| Net operating income to assets | 1.4840% | 916 |
| Return on assets (ROA) | 1.4840% | 987 |
| Pretax return on assets | 1.5594% | 1,369 |
| Return on Equity (ROE) | 13.5708% | 1,130 |
| Retained earnings to average equity (ytd only) | 8.0542% | 1,686 |
| Net charge-offs to loans | 0.0315% | 5,130 |
| Credit loss provision to net charge-offs | 937.5000% | 493 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 419 |
| Efficiency ratio | 60.5202% | 6,074 |
| Assets per employee ($millions) | 3.7607% | 4,400 |
| Cash dividends to net income (ytd only)* | 40.6504% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4247% | 4,298 |
| Loan loss allowance to noncurrent loans | 420.4478% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.2545% | 6,830 |
| Noncurrent loans to loans | 0.3389% | 6,623 |
| Net loans and leases to total assets | 74.0380% | 1,961 |
| Net loans and leases to deposits | 93.8266% | 1,367 |
| Net loans and leases to core deposits | 105.0310% | 1,654 |
| Total domestic deposits to total assets | 78.9094% | 6,097 |
| Equity capital to assets | 11.1510% | 2,632 |
| Core capital (leverage) ratio | 10.1499% | 2,982 |
| Tier 1 risk-based capital ratio | 11.7756% | 5,422 |
| Total risk-based capital ratio | 13.0261% | 5,361 |
| Memoranda: | ||
| Average total assets | $265,237,500 | 2,514 |
| Average earning assets | $236,528,000 | 2,571 |
| Average equity | $29,003,500 | 2,291 |
| Average total loans | $203,107,000 | 2,239 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0435% | 1,699 |
| Cost of funding earning assets | 2.0632% | 2,666 |
| Net interest margin | 3.9803% | 2,940 |
| Noninterest income to average assets | 0.8432% | 2,214 |
| Noninterest expense to average assets | 2.7112% | 5,338 |
| Loan and lease loss provision to assets | 0.3326% | 4,815 |
| Net operating income to assets | 1.3191% | 1,000 |
| Return on assets (ROA) | 1.4247% | 861 |
| Pretax return on assets | 1.4896% | 1,210 |
| Return on Equity (ROE) | 13.1822% | 921 |
| Retained earnings to average equity (ytd only) | 7.2084% | 899 |
| Net charge-offs to loans | 0.1249% | 5,943 |
| Credit loss provision to net charge-offs | 348.3607% | 931 |
| Earnings coverage of net charge-offs (x) | 17.9344% | 1,158 |
| Efficiency ratio | 61.2915% | 6,276 |
| Assets per employee ($millions) | 3.9298% | 3,956 |
| Cash dividends to net income (ytd only)* | 45.3172% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 4,835 |
| Loan loss allowance to noncurrent loans | 191.9170% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.5232% | 6,145 |
| Noncurrent loans to loans | 0.6705% | 5,895 |
| Net loans and leases to total assets | 77.0171% | 1,580 |
| Net loans and leases to deposits | 101.7854% | 764 |
| Net loans and leases to core deposits | 126.3027% | 1,490 |
| Total domestic deposits to total assets | 75.6662% | 6,746 |
| Equity capital to assets | 10.7221% | 2,949 |
| Core capital (leverage) ratio | 9.7182% | 3,421 |
| Tier 1 risk-based capital ratio | 11.0440% | 5,881 |
| Total risk-based capital ratio | 12.2069% | 5,926 |
| Memoranda: | ||
| Average total assets | $255,571,400 | 2,560 |
| Average earning assets | $229,881,600 | 2,599 |
| Average equity | $27,620,600 | 2,409 |
| Average total loans | $195,423,600 | 2,337 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0769% | 1,731 |
| Cost of funding earning assets | 2.1051% | 2,869 |
| Net interest margin | 3.9718% | 2,937 |
| Noninterest income to average assets | 0.8201% | 2,337 |
| Noninterest expense to average assets | 2.7937% | 4,922 |
| Loan and lease loss provision to assets | 0.1741% | 5,622 |
| Net operating income to assets | 1.3618% | 1,099 |
| Return on assets (ROA) | 1.4285% | 1,031 |
| Pretax return on assets | 1.4998% | 1,421 |
| Return on Equity (ROE) | 13.1903% | 1,071 |
| Retained earnings to average equity (ytd only) | 7.0995% | 1,464 |
| Net charge-offs to loans | 0.1644% | 5,074 |
| Credit loss provision to net charge-offs | 139.2405% | 3,544 |
| Earnings coverage of net charge-offs (x) | 12.8229% | 1,723 |
| Efficiency ratio | 63.5305% | 5,837 |
| Assets per employee ($millions) | 3.7006% | 4,423 |
| Cash dividends to net income (ytd only)* | 46.1768% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 5,702 |
| Loan loss allowance to noncurrent loans | 196.9147% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.4194% | 6,405 |
| Noncurrent loans to loans | 0.5605% | 6,194 |
| Net loans and leases to total assets | 74.0065% | 2,514 |
| Net loans and leases to deposits | 96.0483% | 1,567 |
| Net loans and leases to core deposits | 125.9070% | 1,749 |
| Total domestic deposits to total assets | 77.0513% | 6,324 |
| Equity capital to assets | 10.8574% | 3,157 |
| Core capital (leverage) ratio | 9.9473% | 3,341 |
| Tier 1 risk-based capital ratio | 11.4035% | 5,529 |
| Total risk-based capital ratio | 12.3954% | 5,760 |
| Memoranda: | ||
| Average total assets | $252,658,000 | 2,597 |
| Average earning assets | $227,565,500 | 2,631 |
| Average equity | $27,362,750 | 2,448 |
| Average total loans | $192,156,500 | 2,404 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0739% | 1,885 |
| Cost of funding earning assets | 2.1612% | 2,980 |
| Net interest margin | 3.9126% | 3,048 |
| Noninterest income to average assets | 0.8167% | 2,328 |
| Noninterest expense to average assets | 2.8071% | 4,931 |
| Loan and lease loss provision to assets | 0.0481% | 6,756 |
| Net operating income to assets | 1.4200% | 976 |
| Return on assets (ROA) | 1.4200% | 1,050 |
| Pretax return on assets | 1.4922% | 1,466 |
| Return on Equity (ROE) | 13.1234% | 1,155 |
| Retained earnings to average equity (ytd only) | 6.8212% | 1,658 |
| Net charge-offs to loans | 0.0514% | 5,770 |
| Credit loss provision to net charge-offs | 122.4490% | 3,798 |
| Earnings coverage of net charge-offs (x) | 39.1837% | 827 |
| Efficiency ratio | 64.5691% | 5,793 |
| Assets per employee ($millions) | 3.5505% | 4,686 |
| Cash dividends to net income (ytd only)* | 48.0226% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0811% | 5,725 |
| Loan loss allowance to noncurrent loans | 152.5201% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.5431% | 6,072 |
| Noncurrent loans to loans | 0.7088% | 5,824 |
| Net loans and leases to total assets | 75.7892% | 2,229 |
| Net loans and leases to deposits | 98.9676% | 1,395 |
| Net loans and leases to core deposits | 122.7243% | 2,138 |
| Total domestic deposits to total assets | 76.5798% | 6,421 |
| Equity capital to assets | 10.8949% | 3,026 |
| Core capital (leverage) ratio | 9.8933% | 3,401 |
| Tier 1 risk-based capital ratio | 11.3964% | 5,502 |
| Total risk-based capital ratio | 12.3712% | 5,665 |
| Memoranda: | ||
| Average total assets | $249,296,330 | 2,644 |
| Average earning assets | $224,963,670 | 2,687 |
| Average equity | $26,974,670 | 2,481 |
| Average total loans | $190,669,670 | 2,451 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0431% | 2,185 |
| Cost of funding earning assets | 2.2342% | 2,992 |
| Net interest margin | 3.8089% | 3,410 |
| Noninterest income to average assets | 0.7858% | 2,399 |
| Noninterest expense to average assets | 2.7317% | 4,864 |
| Loan and lease loss provision to assets | 0.0484% | 6,366 |
| Net operating income to assets | 1.3715% | 1,205 |
| Return on assets (ROA) | 1.3715% | 1,298 |
| Pretax return on assets | 1.4441% | 1,831 |
| Return on Equity (ROE) | 12.7198% | 1,460 |
| Retained earnings to average equity (ytd only) | 6.7340% | 2,313 |
| Net charge-offs to loans | -0.0211% | 7,453 |
| Credit loss provision to net charge-offs | -300.0000% | 6,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6677% | 5,569 |
| Assets per employee ($millions) | 3.4893% | 4,848 |
| Cash dividends to net income (ytd only)* | 47.0588% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 5,201 |
| Loan loss allowance to noncurrent loans | 217.3511% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.3988% | 6,302 |
| Noncurrent loans to loans | 0.5238% | 6,112 |
| Net loans and leases to total assets | 75.2714% | 2,435 |
| Net loans and leases to deposits | 98.2987% | 1,621 |
| Net loans and leases to core deposits | 124.1921% | 2,067 |
| Total domestic deposits to total assets | 76.5742% | 6,386 |
| Equity capital to assets | 11.0576% | 2,912 |
| Core capital (leverage) ratio | 9.7168% | 3,732 |
| Tier 1 risk-based capital ratio | 11.5622% | 5,349 |
| Total risk-based capital ratio | 12.5846% | 5,474 |
| Memoranda: | ||
| Average total assets | $247,903,500 | 2,676 |
| Average earning assets | $223,793,500 | 2,718 |
| Average equity | $26,730,000 | 2,509 |
| Average total loans | $189,435,000 | 2,481 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5506% | 2,714 |
| Cost of funding earning assets | 2.7149% | 3,092 |
| Net interest margin | 3.8358% | 3,864 |
| Noninterest income to average assets | 1.0664% | 1,381 |
| Noninterest expense to average assets | 2.7786% | 4,913 |
| Loan and lease loss provision to assets | 0.1149% | 5,904 |
| Net operating income to assets | 1.5401% | 944 |
| Return on assets (ROA) | 1.5401% | 911 |
| Pretax return on assets | 1.6147% | 1,344 |
| Return on Equity (ROE) | 14.3319% | 1,042 |
| Retained earnings to average equity (ytd only) | 7.6237% | 954 |
| Net charge-offs to loans | 0.2071% | 4,134 |
| Credit loss provision to net charge-offs | 73.2432% | 6,024 |
| Earnings coverage of net charge-offs (x) | 11.0243% | 2,422 |
| Efficiency ratio | 61.6347% | 6,020 |
| Assets per employee ($millions) | 3.6458% | 4,298 |
| Cash dividends to net income (ytd only)* | 46.8062% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0767% | 5,440 |
| Loan loss allowance to noncurrent loans | 291.7135% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 6,452 |
| Noncurrent loans to loans | 0.3691% | 6,255 |
| Net loans and leases to total assets | 75.8578% | 2,662 |
| Net loans and leases to deposits | 96.5499% | 2,361 |
| Net loans and leases to core deposits | 126.6775% | 2,115 |
| Total domestic deposits to total assets | 78.5684% | 5,523 |
| Equity capital to assets | 10.5152% | 3,484 |
| Core capital (leverage) ratio | 9.9517% | 3,493 |
| Tier 1 risk-based capital ratio | 10.8102% | 5,902 |
| Total risk-based capital ratio | 11.7660% | 6,077 |
| Memoranda: | ||
| Average total assets | $235,836,000 | 2,693 |
| Average earning assets | $211,613,200 | 2,752 |
| Average equity | $25,342,000 | 2,617 |
| Average total loans | $178,685,000 | 2,516 |