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Andrew Johnson Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0697% | 1,927 |
| Cost of funding earning assets | 1.2695% | 2,602 |
| Net interest margin | 3.8002% | 1,561 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.4608% | 2,413 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.0941% | 1,939 |
| Return on assets (ROA) | 1.0866% | 1,929 |
| Pretax return on assets | 1.4344% | 1,563 |
| Return on Equity (ROE) | 14.3000% | 1,428 |
| Retained earnings to average equity (ytd only) | 9.6585% | 1,100 |
| Net charge-offs to loans | -0.0008% | 3,586 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.8435% | 2,848 |
| Assets per employee ($millions) | 5.7897% | 2,993 |
| Cash dividends to net income (ytd only)* | 32.4713% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 929 |
| Loan loss allowance to noncurrent loans | 3,611.4943% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0310% | 3,454 |
| Noncurrent loans to loans | 0.0430% | 3,416 |
| Net loans and leases to total assets | 70.8800% | 1,716 |
| Net loans and leases to deposits | 79.5034% | 2,152 |
| Net loans and leases to core deposits | 86.1281% | 2,302 |
| Total domestic deposits to total assets | 89.1600% | 1,015 |
| Equity capital to assets | 7.9101% | 3,475 |
| Core capital (leverage) ratio | 10.1158% | 2,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1523% | 1,495 |
| Memoranda: | ||
| Average total assets | $537,386,000 | 1,652 |
| Average earning assets | $503,341,600 | 1,627 |
| Average equity | $40,824,200 | 1,861 |
| Average total loans | $379,680,000 | 1,523 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9910% | 1,842 |
| Cost of funding earning assets | 1.1175% | 2,692 |
| Net interest margin | 3.8735% | 1,456 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.4511% | 2,370 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.1584% | 1,903 |
| Return on assets (ROA) | 1.1483% | 1,908 |
| Pretax return on assets | 1.5167% | 1,522 |
| Return on Equity (ROE) | 15.2800% | 1,399 |
| Retained earnings to average equity (ytd only) | 8.9533% | 1,703 |
| Net charge-offs to loans | -0.0011% | 3,492 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.4343% | 2,916 |
| Assets per employee ($millions) | 5.6894% | 3,033 |
| Cash dividends to net income (ytd only)* | 41.4117% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5612% | 961 |
| Loan loss allowance to noncurrent loans | 4,264.8276% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 3,540 |
| Noncurrent loans to loans | 0.0366% | 3,504 |
| Net loans and leases to total assets | 71.3900% | 1,650 |
| Net loans and leases to deposits | 80.5999% | 1,997 |
| Net loans and leases to core deposits | 86.6481% | 2,145 |
| Total domestic deposits to total assets | 88.5700% | 1,386 |
| Equity capital to assets | 7.1507% | 3,542 |
| Core capital (leverage) ratio | 10.0825% | 2,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9737% | 1,575 |
| Memoranda: | ||
| Average total assets | $531,332,750 | 1,662 |
| Average earning assets | $497,390,500 | 1,643 |
| Average equity | $39,924,500 | 1,874 |
| Average total loans | $373,507,500 | 1,536 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8312% | 1,926 |
| Cost of funding earning assets | 0.9541% | 2,757 |
| Net interest margin | 3.8771% | 1,468 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.4435% | 2,367 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.1616% | 1,946 |
| Return on assets (ROA) | 1.1463% | 1,975 |
| Pretax return on assets | 1.5118% | 1,573 |
| Return on Equity (ROE) | 15.0000% | 1,467 |
| Retained earnings to average equity (ytd only) | 8.9919% | 1,688 |
| Net charge-offs to loans | 0.0005% | 2,429 |
| Credit loss provision to net charge-offs | 20,000.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 4,230.0000% | 25 |
| Efficiency ratio | 60.3227% | 2,926 |
| Assets per employee ($millions) | 5.5324% | 3,120 |
| Cash dividends to net income (ytd only)* | 40.0729% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5952% | 942 |
| Loan loss allowance to noncurrent loans | 3,086.2944% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 3,415 |
| Noncurrent loans to loans | 0.0517% | 3,331 |
| Net loans and leases to total assets | 69.8900% | 1,756 |
| Net loans and leases to deposits | 77.6558% | 2,163 |
| Net loans and leases to core deposits | 81.2847% | 2,388 |
| Total domestic deposits to total assets | 90.0000% | 921 |
| Equity capital to assets | 7.6717% | 3,422 |
| Core capital (leverage) ratio | 10.0129% | 2,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1451% | 1,527 |
| Memoranda: | ||
| Average total assets | $526,381,667 | 1,673 |
| Average earning assets | $492,588,000 | 1,655 |
| Average equity | $40,214,000 | 1,874 |
| Average total loans | $365,976,000 | 1,548 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6420% | 1,989 |
| Cost of funding earning assets | 0.7821% | 2,796 |
| Net interest margin | 3.8598% | 1,560 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.4365% | 2,415 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1810% | 1,990 |
| Return on assets (ROA) | 1.1810% | 1,949 |
| Pretax return on assets | 1.5601% | 1,557 |
| Return on Equity (ROE) | 15.4900% | 1,462 |
| Retained earnings to average equity (ytd only) | 3.3219% | 3,429 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.9639% | 2,830 |
| Assets per employee ($millions) | 5.6574% | 3,063 |
| Cash dividends to net income (ytd only)* | 78.5575% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6110% | 991 |
| Loan loss allowance to noncurrent loans | 1,953.8206% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 3,220 |
| Noncurrent loans to loans | 0.0825% | 3,152 |
| Net loans and leases to total assets | 67.5400% | 1,895 |
| Net loans and leases to deposits | 74.1930% | 2,281 |
| Net loans and leases to core deposits | 76.8308% | 2,472 |
| Total domestic deposits to total assets | 91.0300% | 789 |
| Equity capital to assets | 7.5888% | 3,516 |
| Core capital (leverage) ratio | 10.0387% | 2,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1288% | 1,593 |
| Memoranda: | ||
| Average total assets | $521,250,000 | 1,701 |
| Average earning assets | $487,379,000 | 1,686 |
| Average equity | $39,736,000 | 1,913 |
| Average total loans | $358,387,500 | 1,583 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2392% | 1,178 |
| Cost of funding earning assets | 0.2232% | 3,570 |
| Net interest margin | 4.0159% | 774 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.4910% | 2,151 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2996% | 1,427 |
| Return on assets (ROA) | 1.2694% | 1,483 |
| Pretax return on assets | 1.6771% | 978 |
| Return on Equity (ROE) | 16.0800% | 1,040 |
| Retained earnings to average equity (ytd only) | 11.3957% | 810 |
| Net charge-offs to loans | 0.0043% | 2,294 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 631.0714% | 272 |
| Efficiency ratio | 59.2199% | 3,159 |
| Assets per employee ($millions) | 5.3758% | 3,345 |
| Cash dividends to net income (ytd only)* | 29.1221% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6059% | 969 |
| Loan loss allowance to noncurrent loans | 2,510.2222% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 3,369 |
| Noncurrent loans to loans | 0.0640% | 3,285 |
| Net loans and leases to total assets | 67.7600% | 1,855 |
| Net loans and leases to deposits | 74.8783% | 2,182 |
| Net loans and leases to core deposits | 76.1425% | 2,408 |
| Total domestic deposits to total assets | 90.5000% | 1,148 |
| Equity capital to assets | 7.6591% | 3,282 |
| Core capital (leverage) ratio | 10.2220% | 2,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4972% | 1,478 |
| Memoranda: | ||
| Average total assets | $515,052,600 | 1,685 |
| Average earning assets | $486,039,400 | 1,665 |
| Average equity | $40,664,600 | 1,895 |
| Average total loans | $327,138,800 | 1,613 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1242% | 1,019 |
| Cost of funding earning assets | 0.1502% | 3,842 |
| Net interest margin | 3.9740% | 677 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.4564% | 2,140 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2844% | 1,408 |
| Return on assets (ROA) | 1.2844% | 1,377 |
| Pretax return on assets | 1.7147% | 873 |
| Return on Equity (ROE) | 16.1500% | 949 |
| Retained earnings to average equity (ytd only) | 9.9643% | 1,347 |
| Net charge-offs to loans | 0.0008% | 2,300 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 3,319.0000% | 37 |
| Efficiency ratio | 58.8902% | 3,265 |
| Assets per employee ($millions) | 5.6058% | 3,119 |
| Cash dividends to net income (ytd only)* | 38.2944% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6579% | 948 |
| Loan loss allowance to noncurrent loans | 1,640.5797% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 3,220 |
| Noncurrent loans to loans | 0.1011% | 3,151 |
| Net loans and leases to total assets | 65.1000% | 1,975 |
| Net loans and leases to deposits | 70.1022% | 2,353 |
| Net loans and leases to core deposits | 70.4639% | 2,607 |
| Total domestic deposits to total assets | 92.8600% | 618 |
| Equity capital to assets | 6.8330% | 3,599 |
| Core capital (leverage) ratio | 9.6680% | 2,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0492% | 1,414 |
| Memoranda: | ||
| Average total assets | $516,140,750 | 1,695 |
| Average earning assets | $488,261,500 | 1,668 |
| Average equity | $41,052,000 | 1,914 |
| Average total loans | $320,995,750 | 1,634 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9798% | 963 |
| Cost of funding earning assets | 0.1387% | 3,727 |
| Net interest margin | 3.8411% | 686 |
| Noninterest income to average assets | 0.3793% | 2,877 |
| Noninterest expense to average assets | 2.4313% | 2,142 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1943% | 1,448 |
| Return on assets (ROA) | 1.1943% | 1,427 |
| Pretax return on assets | 1.5964% | 944 |
| Return on Equity (ROE) | 14.3431% | 1,032 |
| Retained earnings to average equity (ytd only) | 8.7975% | 1,345 |
| Net charge-offs to loans | 0.0013% | 2,091 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 2,060.5000% | 46 |
| Efficiency ratio | 60.3636% | 3,251 |
| Assets per employee ($millions) | 5.6157% | 3,114 |
| Cash dividends to net income (ytd only)* | 38.6636% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7554% | 867 |
| Loan loss allowance to noncurrent loans | 2,152.0913% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 3,487 |
| Noncurrent loans to loans | 0.0816% | 3,374 |
| Net loans and leases to total assets | 60.6535% | 2,254 |
| Net loans and leases to deposits | 65.7847% | 2,564 |
| Net loans and leases to core deposits | 66.2460% | 2,799 |
| Total domestic deposits to total assets | 92.2001% | 760 |
| Equity capital to assets | 7.4999% | 3,480 |
| Core capital (leverage) ratio | 9.4706% | 2,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1841% | 1,394 |
| Memoranda: | ||
| Average total assets | $516,276,000 | 1,700 |
| Average earning assets | $490,379,333 | 1,676 |
| Average equity | $42,989,333 | 1,895 |
| Average total loans | $314,196,000 | 1,651 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7325% | 1,215 |
| Cost of funding earning assets | 0.1369% | 3,674 |
| Net interest margin | 3.5956% | 902 |
| Noninterest income to average assets | 0.4021% | 2,676 |
| Noninterest expense to average assets | 2.4548% | 2,001 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0411% | 1,720 |
| Return on assets (ROA) | 1.0411% | 1,719 |
| Pretax return on assets | 1.3848% | 1,285 |
| Return on Equity (ROE) | 11.9021% | 1,345 |
| Retained earnings to average equity (ytd only) | 1.2829% | 3,756 |
| Net charge-offs to loans | 0.0026% | 1,710 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 888.5000% | 103 |
| Efficiency ratio | 63.9334% | 3,035 |
| Assets per employee ($millions) | 5.4451% | 3,354 |
| Cash dividends to net income (ytd only)* | 89.2216% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7911% | 895 |
| Loan loss allowance to noncurrent loans | 1,377.1290% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 3,175 |
| Noncurrent loans to loans | 0.1301% | 3,162 |
| Net loans and leases to total assets | 59.3714% | 2,137 |
| Net loans and leases to deposits | 64.7887% | 2,457 |
| Net loans and leases to core deposits | 65.2450% | 2,695 |
| Total domestic deposits to total assets | 91.6386% | 735 |
| Equity capital to assets | 7.9586% | 3,604 |
| Core capital (leverage) ratio | 9.4044% | 2,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3115% | 1,422 |
| Memoranda: | ||
| Average total assets | $513,284,000 | 1,712 |
| Average earning assets | $490,713,000 | 1,687 |
| Average equity | $44,899,500 | 1,893 |
| Average total loans | $310,079,500 | 1,662 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0380% | 1,270 |
| Cost of funding earning assets | 0.2066% | 3,400 |
| Net interest margin | 3.8314% | 950 |
| Noninterest income to average assets | 0.4181% | 2,957 |
| Noninterest expense to average assets | 2.6142% | 1,831 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0780% | 2,378 |
| Return on assets (ROA) | 1.0780% | 2,450 |
| Pretax return on assets | 1.4613% | 1,847 |
| Return on Equity (ROE) | 11.1554% | 2,105 |
| Retained earnings to average equity (ytd only) | 7.6572% | 1,676 |
| Net charge-offs to loans | -0.0082% | 3,679 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1443% | 2,546 |
| Assets per employee ($millions) | 5.2483% | 3,518 |
| Cash dividends to net income (ytd only)* | 31.3582% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8616% | 784 |
| Loan loss allowance to noncurrent loans | 1,844.2997% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 3,263 |
| Noncurrent loans to loans | 0.1009% | 3,424 |
| Net loans and leases to total assets | 59.2422% | 2,239 |
| Net loans and leases to deposits | 65.8172% | 2,531 |
| Net loans and leases to core deposits | 66.2689% | 2,798 |
| Total domestic deposits to total assets | 90.0102% | 951 |
| Equity capital to assets | 9.5660% | 3,079 |
| Core capital (leverage) ratio | 9.5642% | 2,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1021% | 1,239 |
| Memoranda: | ||
| Average total assets | $482,169,000 | 1,740 |
| Average earning assets | $460,272,600 | 1,714 |
| Average equity | $46,596,400 | 1,872 |
| Average total loans | $316,866,200 | 1,637 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1325% | 1,234 |
| Cost of funding earning assets | 0.2250% | 3,374 |
| Net interest margin | 3.9074% | 924 |
| Noninterest income to average assets | 0.4251% | 2,956 |
| Noninterest expense to average assets | 2.6028% | 1,826 |
| Loan and lease loss provision to assets | 0.1298% | 895 |
| Net operating income to assets | 1.0513% | 2,723 |
| Return on assets (ROA) | 1.0513% | 2,792 |
| Pretax return on assets | 1.4171% | 2,264 |
| Return on Equity (ROE) | 10.8491% | 2,415 |
| Retained earnings to average equity (ytd only) | 6.1446% | 2,764 |
| Net charge-offs to loans | -0.0108% | 3,705 |
| Credit loss provision to net charge-offs | -1,784.6154% | 3,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7241% | 2,576 |
| Assets per employee ($millions) | 5.1557% | 3,549 |
| Cash dividends to net income (ytd only)* | 43.3626% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9940% | 640 |
| Loan loss allowance to noncurrent loans | 1,629.2553% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.1224% | 3,298 |
| Noncurrent loans to loans | 0.1224% | 3,484 |
| Net loans and leases to total assets | 60.8322% | 2,155 |
| Net loans and leases to deposits | 67.6884% | 2,464 |
| Net loans and leases to core deposits | 68.1930% | 2,764 |
| Total domestic deposits to total assets | 89.8711% | 821 |
| Equity capital to assets | 9.5392% | 3,337 |
| Core capital (leverage) ratio | 9.5291% | 2,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9345% | 1,366 |
| Memoranda: | ||
| Average total assets | $476,752,500 | 1,772 |
| Average earning assets | $454,437,750 | 1,745 |
| Average equity | $46,196,250 | 1,905 |
| Average total loans | $320,046,500 | 1,653 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1566% | 1,254 |
| Cost of funding earning assets | 0.2478% | 3,298 |
| Net interest margin | 3.9088% | 956 |
| Noninterest income to average assets | 0.4100% | 3,059 |
| Noninterest expense to average assets | 2.6196% | 1,807 |
| Loan and lease loss provision to assets | 0.1304% | 954 |
| Net operating income to assets | 1.0406% | 2,755 |
| Return on assets (ROA) | 1.0406% | 2,832 |
| Pretax return on assets | 1.3865% | 2,374 |
| Return on Equity (ROE) | 10.6810% | 2,535 |
| Retained earnings to average equity (ytd only) | 6.6773% | 2,552 |
| Net charge-offs to loans | -0.0154% | 3,872 |
| Credit loss provision to net charge-offs | -1,228.0000% | 3,720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3282% | 2,516 |
| Assets per employee ($millions) | 4.9783% | 3,677 |
| Cash dividends to net income (ytd only)* | 37.4847% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8590% | 794 |
| Loan loss allowance to noncurrent loans | 1,495.9900% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.1303% | 3,375 |
| Noncurrent loans to loans | 0.1243% | 3,568 |
| Net loans and leases to total assets | 65.2548% | 1,792 |
| Net loans and leases to deposits | 72.5832% | 2,154 |
| Net loans and leases to core deposits | 73.2960% | 2,483 |
| Total domestic deposits to total assets | 89.9034% | 825 |
| Equity capital to assets | 9.6816% | 3,170 |
| Core capital (leverage) ratio | 9.4828% | 2,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5303% | 1,461 |
| Memoranda: | ||
| Average total assets | $470,687,333 | 1,782 |
| Average earning assets | $448,731,333 | 1,762 |
| Average equity | $45,857,000 | 1,903 |
| Average total loans | $324,324,000 | 1,643 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3200% | 1,018 |
| Cost of funding earning assets | 0.2681% | 3,294 |
| Net interest margin | 4.0519% | 786 |
| Noninterest income to average assets | 0.4167% | 3,004 |
| Noninterest expense to average assets | 2.6277% | 1,808 |
| Loan and lease loss provision to assets | 0.2643% | 376 |
| Net operating income to assets | 1.0444% | 2,656 |
| Return on assets (ROA) | 1.0444% | 2,738 |
| Pretax return on assets | 1.3888% | 2,309 |
| Return on Equity (ROE) | 10.6850% | 2,465 |
| Retained earnings to average equity (ytd only) | 2.5986% | 3,898 |
| Net charge-offs to loans | -0.0307% | 4,181 |
| Credit loss provision to net charge-offs | -1,228.0000% | 3,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3837% | 2,852 |
| Assets per employee ($millions) | 4.9413% | 3,720 |
| Cash dividends to net income (ytd only)* | 75.6801% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8472% | 799 |
| Loan loss allowance to noncurrent loans | 578.8555% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 2,783 |
| Noncurrent loans to loans | 0.3191% | 2,954 |
| Net loans and leases to total assets | 66.1605% | 1,779 |
| Net loans and leases to deposits | 73.3530% | 2,176 |
| Net loans and leases to core deposits | 74.0502% | 2,508 |
| Total domestic deposits to total assets | 90.1947% | 727 |
| Equity capital to assets | 9.4213% | 3,274 |
| Core capital (leverage) ratio | 9.7751% | 2,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3172% | 1,472 |
| Memoranda: | ||
| Average total assets | $464,583,500 | 1,793 |
| Average earning assets | $443,056,500 | 1,768 |
| Average equity | $45,409,500 | 1,903 |
| Average total loans | $325,945,500 | 1,646 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7479% | 813 |
| Cost of funding earning assets | 0.4821% | 3,068 |
| Net interest margin | 4.2659% | 546 |
| Noninterest income to average assets | 0.4608% | 2,814 |
| Noninterest expense to average assets | 2.9115% | 1,649 |
| Loan and lease loss provision to assets | 0.2705% | 1,424 |
| Net operating income to assets | 0.9895% | 2,334 |
| Return on assets (ROA) | 1.0031% | 2,423 |
| Pretax return on assets | 1.3290% | 1,885 |
| Return on Equity (ROE) | 9.5447% | 2,183 |
| Retained earnings to average equity (ytd only) | 5.8205% | 1,887 |
| Net charge-offs to loans | 0.1471% | 1,108 |
| Credit loss provision to net charge-offs | 236.2683% | 1,987 |
| Earnings coverage of net charge-offs (x) | 13.8218% | 2,256 |
| Efficiency ratio | 64.7904% | 2,706 |
| Assets per employee ($millions) | 4.6377% | 3,776 |
| Cash dividends to net income (ytd only)* | 39.0191% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7141% | 1,010 |
| Loan loss allowance to noncurrent loans | 400.2841% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 2,501 |
| Noncurrent loans to loans | 0.4282% | 2,692 |
| Net loans and leases to total assets | 71.8391% | 1,306 |
| Net loans and leases to deposits | 80.5976% | 1,804 |
| Net loans and leases to core deposits | 81.5453% | 2,226 |
| Total domestic deposits to total assets | 89.1330% | 929 |
| Equity capital to assets | 10.1503% | 2,982 |
| Core capital (leverage) ratio | 10.1572% | 2,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3268% | 1,734 |
| Memoranda: | ||
| Average total assets | $416,698,800 | 1,807 |
| Average earning assets | $393,942,200 | 1,786 |
| Average equity | $43,793,800 | 1,876 |
| Average total loans | $324,346,400 | 1,593 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7864% | 896 |
| Cost of funding earning assets | 0.5289% | 3,056 |
| Net interest margin | 4.2575% | 642 |
| Noninterest income to average assets | 0.4538% | 2,831 |
| Noninterest expense to average assets | 2.9486% | 1,568 |
| Loan and lease loss provision to assets | 0.1577% | 2,435 |
| Net operating income to assets | 1.0333% | 2,213 |
| Return on assets (ROA) | 1.0333% | 2,341 |
| Pretax return on assets | 1.3653% | 1,836 |
| Return on Equity (ROE) | 9.7397% | 2,118 |
| Retained earnings to average equity (ytd only) | 4.7237% | 2,682 |
| Net charge-offs to loans | 0.1019% | 1,295 |
| Credit loss provision to net charge-offs | 195.5466% | 2,132 |
| Earnings coverage of net charge-offs (x) | 18.8866% | 1,951 |
| Efficiency ratio | 65.9414% | 2,474 |
| Assets per employee ($millions) | 4.4663% | 3,884 |
| Cash dividends to net income (ytd only)* | 51.5008% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5463% | 1,245 |
| Loan loss allowance to noncurrent loans | 521.2575% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.3235% | 2,850 |
| Noncurrent loans to loans | 0.2966% | 3,212 |
| Net loans and leases to total assets | 77.5619% | 888 |
| Net loans and leases to deposits | 87.3264% | 1,555 |
| Net loans and leases to core deposits | 89.0123% | 2,062 |
| Total domestic deposits to total assets | 88.8184% | 854 |
| Equity capital to assets | 10.3868% | 2,883 |
| Core capital (leverage) ratio | 10.2314% | 2,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8603% | 1,545 |
| Memoranda: | ||
| Average total assets | $408,409,250 | 1,814 |
| Average earning assets | $385,415,000 | 1,793 |
| Average equity | $43,326,750 | 1,884 |
| Average total loans | $323,230,750 | 1,597 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9214% | 936 |
| Cost of funding earning assets | 0.5910% | 3,013 |
| Net interest margin | 4.3304% | 703 |
| Noninterest income to average assets | 0.4596% | 2,766 |
| Noninterest expense to average assets | 2.9794% | 1,634 |
| Loan and lease loss provision to assets | 0.1235% | 2,795 |
| Net operating income to assets | 1.0517% | 2,140 |
| Return on assets (ROA) | 1.0517% | 2,273 |
| Pretax return on assets | 1.4362% | 1,624 |
| Return on Equity (ROE) | 9.8406% | 2,033 |
| Retained earnings to average equity (ytd only) | 5.5633% | 2,252 |
| Net charge-offs to loans | 0.1552% | 947 |
| Credit loss provision to net charge-offs | 100.4049% | 2,392 |
| Earnings coverage of net charge-offs (x) | 12.6802% | 2,038 |
| Efficiency ratio | 65.6391% | 2,573 |
| Assets per employee ($millions) | 4.4080% | 3,904 |
| Cash dividends to net income (ytd only)* | 43.4659% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4926% | 1,286 |
| Loan loss allowance to noncurrent loans | 490.3638% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.3186% | 3,039 |
| Noncurrent loans to loans | 0.3044% | 3,298 |
| Net loans and leases to total assets | 77.7799% | 877 |
| Net loans and leases to deposits | 87.5193% | 1,610 |
| Net loans and leases to core deposits | 89.3457% | 2,126 |
| Total domestic deposits to total assets | 88.8718% | 798 |
| Equity capital to assets | 10.4224% | 2,817 |
| Core capital (leverage) ratio | 10.3709% | 2,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0739% | 1,472 |
| Memoranda: | ||
| Average total assets | $401,623,667 | 1,812 |
| Average earning assets | $378,348,667 | 1,790 |
| Average equity | $42,924,000 | 1,889 |
| Average total loans | $318,380,333 | 1,603 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1371% | 747 |
| Cost of funding earning assets | 0.6960% | 2,950 |
| Net interest margin | 4.4411% | 577 |
| Noninterest income to average assets | 0.4861% | 2,625 |
| Noninterest expense to average assets | 2.9443% | 2,021 |
| Loan and lease loss provision to assets | 0.1146% | 2,250 |
| Net operating income to assets | 1.1728% | 1,607 |
| Return on assets (ROA) | 1.1728% | 1,726 |
| Pretax return on assets | 1.6067% | 1,033 |
| Return on Equity (ROE) | 10.8282% | 1,464 |
| Retained earnings to average equity (ytd only) | 2.1543% | 3,386 |
| Net charge-offs to loans | 0.0026% | 2,503 |
| Credit loss provision to net charge-offs | 5,600.0000% | 136 |
| Earnings coverage of net charge-offs (x) | 841.0000% | 65 |
| Efficiency ratio | 63.1059% | 3,355 |
| Assets per employee ($millions) | 3.9804% | 3,940 |
| Cash dividends to net income (ytd only)* | 80.1047% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6222% | 1,014 |
| Loan loss allowance to noncurrent loans | 346.2636% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.4383% | 2,710 |
| Noncurrent loans to loans | 0.4685% | 2,842 |
| Net loans and leases to total assets | 78.4432% | 913 |
| Net loans and leases to deposits | 88.4976% | 1,694 |
| Net loans and leases to core deposits | 90.9041% | 2,262 |
| Total domestic deposits to total assets | 88.6388% | 824 |
| Equity capital to assets | 10.7580% | 3,092 |
| Core capital (leverage) ratio | 10.8619% | 2,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7233% | 1,679 |
| Memoranda: | ||
| Average total assets | $390,852,000 | 1,802 |
| Average earning assets | $367,835,000 | 1,788 |
| Average equity | $42,334,000 | 1,901 |
| Average total loans | $310,507,500 | 1,592 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2450% | 913 |
| Cost of funding earning assets | 0.7746% | 2,803 |
| Net interest margin | 4.4704% | 764 |
| Noninterest income to average assets | 0.5216% | 2,619 |
| Noninterest expense to average assets | 3.0848% | 1,796 |
| Loan and lease loss provision to assets | 0.0329% | 3,357 |
| Net operating income to assets | 1.2018% | 2,050 |
| Return on assets (ROA) | 1.2013% | 2,154 |
| Pretax return on assets | 1.6258% | 1,410 |
| Return on Equity (ROE) | 11.2682% | 1,785 |
| Retained earnings to average equity (ytd only) | 7.2430% | 1,281 |
| Net charge-offs to loans | 0.0184% | 3,062 |
| Credit loss provision to net charge-offs | 219.2982% | 1,207 |
| Earnings coverage of net charge-offs (x) | 110.5614% | 626 |
| Efficiency ratio | 65.0258% | 2,932 |
| Assets per employee ($millions) | 3.8764% | 4,052 |
| Cash dividends to net income (ytd only)* | 35.7221% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6251% | 927 |
| Loan loss allowance to noncurrent loans | 335.5316% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.4117% | 2,746 |
| Noncurrent loans to loans | 0.4843% | 2,737 |
| Net loans and leases to total assets | 77.8598% | 1,103 |
| Net loans and leases to deposits | 87.9574% | 1,851 |
| Net loans and leases to core deposits | 90.0422% | 2,424 |
| Total domestic deposits to total assets | 88.5198% | 876 |
| Equity capital to assets | 10.9057% | 3,090 |
| Core capital (leverage) ratio | 10.9294% | 2,561 |
| Tier 1 risk-based capital ratio | 14.8087% | 2,863 |
| Total risk-based capital ratio | 16.0648% | 2,788 |
| Memoranda: | ||
| Average total assets | $379,824,000 | 1,804 |
| Average earning assets | $358,763,600 | 1,782 |
| Average equity | $40,494,400 | 1,910 |
| Average total loans | $309,481,000 | 1,567 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2716% | 916 |
| Cost of funding earning assets | 0.7760% | 2,839 |
| Net interest margin | 4.4956% | 776 |
| Noninterest income to average assets | 0.5268% | 2,569 |
| Noninterest expense to average assets | 3.0535% | 1,814 |
| Loan and lease loss provision to assets | 0.0441% | 3,026 |
| Net operating income to assets | 1.2369% | 2,071 |
| Return on assets (ROA) | 1.2364% | 2,151 |
| Pretax return on assets | 1.6785% | 1,398 |
| Return on Equity (ROE) | 11.6653% | 1,730 |
| Retained earnings to average equity (ytd only) | 6.2388% | 2,256 |
| Net charge-offs to loans | 0.0245% | 2,612 |
| Credit loss provision to net charge-offs | 219.2982% | 1,222 |
| Earnings coverage of net charge-offs (x) | 85.6821% | 818 |
| Efficiency ratio | 63.9238% | 3,019 |
| Assets per employee ($millions) | 3.9063% | 4,019 |
| Cash dividends to net income (ytd only)* | 46.5183% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6137% | 973 |
| Loan loss allowance to noncurrent loans | 803.0596% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.1910% | 3,801 |
| Noncurrent loans to loans | 0.2009% | 3,823 |
| Net loans and leases to total assets | 79.4246% | 924 |
| Net loans and leases to deposits | 89.6605% | 1,739 |
| Net loans and leases to core deposits | 91.5955% | 2,405 |
| Total domestic deposits to total assets | 88.5837% | 789 |
| Equity capital to assets | 10.7912% | 3,302 |
| Core capital (leverage) ratio | 10.7980% | 2,840 |
| Tier 1 risk-based capital ratio | 14.4061% | 3,134 |
| Total risk-based capital ratio | 15.6622% | 3,036 |
| Memoranda: | ||
| Average total assets | $377,869,250 | 1,826 |
| Average earning assets | $357,227,750 | 1,803 |
| Average equity | $40,049,250 | 1,936 |
| Average total loans | $310,150,250 | 1,574 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2254% | 935 |
| Cost of funding earning assets | 0.7563% | 2,868 |
| Net interest margin | 4.4691% | 823 |
| Noninterest income to average assets | 0.5194% | 2,572 |
| Noninterest expense to average assets | 3.0817% | 1,785 |
| Loan and lease loss provision to assets | 0.0665% | 2,487 |
| Net operating income to assets | 1.1674% | 2,268 |
| Return on assets (ROA) | 1.1674% | 2,344 |
| Pretax return on assets | 1.5964% | 1,557 |
| Return on Equity (ROE) | 11.0829% | 1,946 |
| Retained earnings to average equity (ytd only) | 6.4499% | 2,079 |
| Net charge-offs to loans | 0.0213% | 2,428 |
| Credit loss provision to net charge-offs | 378.7879% | 752 |
| Earnings coverage of net charge-offs (x) | 94.7879% | 724 |
| Efficiency ratio | 64.9524% | 2,986 |
| Assets per employee ($millions) | 3.8255% | 4,090 |
| Cash dividends to net income (ytd only)* | 41.8033% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6302% | 961 |
| Loan loss allowance to noncurrent loans | 673.5215% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.2809% | 3,435 |
| Noncurrent loans to loans | 0.2420% | 3,672 |
| Net loans and leases to total assets | 79.8401% | 901 |
| Net loans and leases to deposits | 89.9763% | 1,745 |
| Net loans and leases to core deposits | 92.9947% | 2,328 |
| Total domestic deposits to total assets | 88.7346% | 772 |
| Equity capital to assets | 10.7154% | 3,331 |
| Core capital (leverage) ratio | 10.6086% | 2,973 |
| Tier 1 risk-based capital ratio | 14.5982% | 3,020 |
| Total risk-based capital ratio | 15.8551% | 2,940 |
| Memoranda: | ||
| Average total assets | $376,218,670 | 1,841 |
| Average earning assets | $355,686,330 | 1,816 |
| Average equity | $39,628,670 | 1,953 |
| Average total loans | $310,520,000 | 1,572 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1897% | 927 |
| Cost of funding earning assets | 0.7203% | 2,944 |
| Net interest margin | 4.4694% | 783 |
| Noninterest income to average assets | 0.5216% | 2,426 |
| Noninterest expense to average assets | 3.0584% | 1,832 |
| Loan and lease loss provision to assets | 0.0800% | 2,093 |
| Net operating income to assets | 1.1638% | 2,203 |
| Return on assets (ROA) | 1.1638% | 2,254 |
| Pretax return on assets | 1.6066% | 1,456 |
| Return on Equity (ROE) | 11.1463% | 1,893 |
| Retained earnings to average equity (ytd only) | 1.7675% | 4,123 |
| Net charge-offs to loans | 0.0051% | 2,524 |
| Credit loss provision to net charge-offs | 1,875.0000% | 227 |
| Earnings coverage of net charge-offs (x) | 395.2500% | 198 |
| Efficiency ratio | 64.4559% | 3,169 |
| Assets per employee ($millions) | 3.7199% | 4,322 |
| Cash dividends to net income (ytd only)* | 84.1430% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6067% | 1,046 |
| Loan loss allowance to noncurrent loans | 626.7588% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 2,976 |
| Noncurrent loans to loans | 0.2563% | 3,640 |
| Net loans and leases to total assets | 80.5228% | 778 |
| Net loans and leases to deposits | 90.4469% | 1,575 |
| Net loans and leases to core deposits | 93.3075% | 2,186 |
| Total domestic deposits to total assets | 89.0277% | 844 |
| Equity capital to assets | 10.3695% | 3,451 |
| Core capital (leverage) ratio | 10.5388% | 3,006 |
| Tier 1 risk-based capital ratio | 13.8451% | 3,425 |
| Total risk-based capital ratio | 15.1012% | 3,333 |
| Memoranda: | ||
| Average total assets | $374,964,500 | 1,857 |
| Average earning assets | $354,317,500 | 1,826 |
| Average equity | $39,152,000 | 1,964 |
| Average total loans | $312,086,500 | 1,581 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0220% | 1,004 |
| Cost of funding earning assets | 0.5131% | 3,268 |
| Net interest margin | 4.5089% | 748 |
| Noninterest income to average assets | 0.5285% | 2,665 |
| Noninterest expense to average assets | 3.0952% | 1,811 |
| Loan and lease loss provision to assets | 0.0893% | 2,356 |
| Net operating income to assets | 1.2077% | 2,132 |
| Return on assets (ROA) | 1.2015% | 2,159 |
| Pretax return on assets | 1.6019% | 1,464 |
| Return on Equity (ROE) | 11.9103% | 1,748 |
| Retained earnings to average equity (ytd only) | 8.2417% | 1,136 |
| Net charge-offs to loans | 0.1057% | 1,701 |
| Credit loss provision to net charge-offs | 102.4845% | 2,467 |
| Earnings coverage of net charge-offs (x) | 19.4907% | 2,059 |
| Efficiency ratio | 64.5604% | 3,106 |
| Assets per employee ($millions) | 3.6683% | 4,368 |
| Cash dividends to net income (ytd only)* | 30.8022% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5683% | 1,098 |
| Loan loss allowance to noncurrent loans | 1,401.4245% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.2162% | 3,742 |
| Noncurrent loans to loans | 0.1119% | 4,230 |
| Net loans and leases to total assets | 83.3301% | 482 |
| Net loans and leases to deposits | 93.7317% | 1,311 |
| Net loans and leases to core deposits | 98.4041% | 1,838 |
| Total domestic deposits to total assets | 88.9028% | 897 |
| Equity capital to assets | 10.5152% | 3,167 |
| Core capital (leverage) ratio | 10.5090% | 3,020 |
| Tier 1 risk-based capital ratio | 13.9097% | 3,324 |
| Total risk-based capital ratio | 15.1658% | 3,250 |
| Memoranda: | ||
| Average total assets | $369,374,400 | 1,833 |
| Average earning assets | $349,465,600 | 1,813 |
| Average equity | $37,261,800 | 1,971 |
| Average total loans | $304,734,200 | 1,579 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9438% | 1,061 |
| Cost of funding earning assets | 0.4733% | 3,372 |
| Net interest margin | 4.4704% | 788 |
| Noninterest income to average assets | 0.5260% | 2,711 |
| Noninterest expense to average assets | 3.0282% | 1,933 |
| Loan and lease loss provision to assets | 0.0379% | 3,249 |
| Net operating income to assets | 1.2567% | 2,016 |
| Return on assets (ROA) | 1.2567% | 2,025 |
| Pretax return on assets | 1.6902% | 1,300 |
| Return on Equity (ROE) | 12.5919% | 1,581 |
| Retained earnings to average equity (ytd only) | 7.6369% | 1,831 |
| Net charge-offs to loans | 0.1243% | 1,270 |
| Credit loss provision to net charge-offs | 37.2340% | 2,926 |
| Earnings coverage of net charge-offs (x) | 16.9646% | 2,132 |
| Efficiency ratio | 63.6667% | 3,242 |
| Assets per employee ($millions) | 3.7553% | 4,230 |
| Cash dividends to net income (ytd only)* | 39.3504% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5342% | 1,242 |
| Loan loss allowance to noncurrent loans | 723.8532% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.2994% | 3,500 |
| Noncurrent loans to loans | 0.2119% | 3,949 |
| Net loans and leases to total assets | 81.7240% | 756 |
| Net loans and leases to deposits | 91.5509% | 1,681 |
| Net loans and leases to core deposits | 95.9996% | 2,114 |
| Total domestic deposits to total assets | 89.2661% | 742 |
| Equity capital to assets | 10.1677% | 3,477 |
| Core capital (leverage) ratio | 10.2255% | 3,374 |
| Tier 1 risk-based capital ratio | 13.6986% | 3,514 |
| Total risk-based capital ratio | 14.9539% | 3,429 |
| Memoranda: | ||
| Average total assets | $369,093,000 | 1,840 |
| Average earning assets | $349,280,000 | 1,815 |
| Average equity | $36,837,500 | 1,993 |
| Average total loans | $302,503,500 | 1,599 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8494% | 1,126 |
| Cost of funding earning assets | 0.4371% | 3,446 |
| Net interest margin | 4.4123% | 829 |
| Noninterest income to average assets | 0.5296% | 2,691 |
| Noninterest expense to average assets | 3.0331% | 1,959 |
| Loan and lease loss provision to assets | 0.0163% | 3,561 |
| Net operating income to assets | 1.2417% | 2,021 |
| Return on assets (ROA) | 1.2417% | 2,016 |
| Pretax return on assets | 1.6583% | 1,319 |
| Return on Equity (ROE) | 12.5204% | 1,537 |
| Retained earnings to average equity (ytd only) | 8.5496% | 1,379 |
| Net charge-offs to loans | 0.1065% | 1,301 |
| Credit loss provision to net charge-offs | 18.7500% | 2,692 |
| Earnings coverage of net charge-offs (x) | 19.2688% | 1,857 |
| Efficiency ratio | 64.4283% | 3,261 |
| Assets per employee ($millions) | 3.9858% | 3,918 |
| Cash dividends to net income (ytd only)* | 31.7148% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5654% | 1,192 |
| Loan loss allowance to noncurrent loans | 885.3704% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.2907% | 3,605 |
| Noncurrent loans to loans | 0.1768% | 4,112 |
| Net loans and leases to total assets | 80.2398% | 984 |
| Net loans and leases to deposits | 89.5279% | 1,907 |
| Net loans and leases to core deposits | 93.5968% | 2,253 |
| Total domestic deposits to total assets | 89.6255% | 696 |
| Equity capital to assets | 9.9747% | 3,652 |
| Core capital (leverage) ratio | 10.1479% | 3,420 |
| Tier 1 risk-based capital ratio | 13.7267% | 3,495 |
| Total risk-based capital ratio | 14.9825% | 3,399 |
| Memoranda: | ||
| Average total assets | $368,198,330 | 1,851 |
| Average earning assets | $348,664,670 | 1,821 |
| Average equity | $36,516,330 | 2,011 |
| Average total loans | $300,483,000 | 1,601 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7231% | 1,255 |
| Cost of funding earning assets | 0.4095% | 3,514 |
| Net interest margin | 4.3136% | 929 |
| Noninterest income to average assets | 0.5370% | 2,599 |
| Noninterest expense to average assets | 2.9833% | 2,103 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1924% | 2,039 |
| Return on assets (ROA) | 1.1924% | 2,054 |
| Pretax return on assets | 1.6407% | 1,269 |
| Return on Equity (ROE) | 12.0592% | 1,559 |
| Retained earnings to average equity (ytd only) | 4.0234% | 3,585 |
| Net charge-offs to loans | 0.0081% | 2,448 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 249.5000% | 271 |
| Efficiency ratio | 64.5177% | 3,398 |
| Assets per employee ($millions) | 3.7821% | 4,305 |
| Cash dividends to net income (ytd only)* | 66.6360% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6290% | 1,097 |
| Loan loss allowance to noncurrent loans | 339.4464% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.5612% | 2,645 |
| Noncurrent loans to loans | 0.4799% | 3,075 |
| Net loans and leases to total assets | 79.9158% | 946 |
| Net loans and leases to deposits | 89.0092% | 1,810 |
| Net loans and leases to core deposits | 92.8874% | 2,222 |
| Total domestic deposits to total assets | 89.7837% | 748 |
| Equity capital to assets | 9.7614% | 3,826 |
| Core capital (leverage) ratio | 10.1242% | 3,393 |
| Tier 1 risk-based capital ratio | 13.4091% | 3,716 |
| Total risk-based capital ratio | 14.6660% | 3,618 |
| Memoranda: | ||
| Average total assets | $364,963,500 | 1,876 |
| Average earning assets | $345,793,000 | 1,847 |
| Average equity | $36,088,500 | 2,035 |
| Average total loans | $298,017,500 | 1,612 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7759% | 1,019 |
| Cost of funding earning assets | 0.3031% | 4,114 |
| Net interest margin | 4.4728% | 657 |
| Noninterest income to average assets | 0.5876% | 2,507 |
| Noninterest expense to average assets | 3.1173% | 1,811 |
| Loan and lease loss provision to assets | 0.0427% | 3,394 |
| Net operating income to assets | 0.9126% | 2,645 |
| Return on assets (ROA) | 0.9126% | 2,671 |
| Pretax return on assets | 1.6394% | 1,193 |
| Return on Equity (ROE) | 9.1575% | 2,241 |
| Retained earnings to average equity (ytd only) | 5.4448% | 1,845 |
| Net charge-offs to loans | 0.0495% | 2,803 |
| Credit loss provision to net charge-offs | 104.8951% | 2,451 |
| Earnings coverage of net charge-offs (x) | 41.3007% | 1,236 |
| Efficiency ratio | 64.9516% | 3,457 |
| Assets per employee ($millions) | 3.7039% | 4,425 |
| Cash dividends to net income (ytd only)* | 40.5431% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6652% | 1,004 |
| Loan loss allowance to noncurrent loans | 438.8740% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.4882% | 2,930 |
| Noncurrent loans to loans | 0.3794% | 3,398 |
| Net loans and leases to total assets | 80.7208% | 872 |
| Net loans and leases to deposits | 95.1733% | 1,159 |
| Net loans and leases to core deposits | 96.2421% | 2,004 |
| Total domestic deposits to total assets | 84.8145% | 2,905 |
| Equity capital to assets | 10.0191% | 3,683 |
| Core capital (leverage) ratio | 10.3450% | 3,022 |
| Tier 1 risk-based capital ratio | 13.6232% | 3,562 |
| Total risk-based capital ratio | 14.8804% | 3,474 |
| Memoranda: | ||
| Average total assets | $351,101,000 | 1,911 |
| Average earning assets | $330,618,400 | 1,891 |
| Average equity | $34,987,600 | 2,083 |
| Average total loans | $289,171,200 | 1,614 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7739% | 976 |
| Cost of funding earning assets | 0.2917% | 4,215 |
| Net interest margin | 4.4822% | 626 |
| Noninterest income to average assets | 0.5928% | 2,517 |
| Noninterest expense to average assets | 3.1096% | 1,773 |
| Loan and lease loss provision to assets | 0.0573% | 2,941 |
| Net operating income to assets | 1.0283% | 2,421 |
| Return on assets (ROA) | 1.0283% | 2,465 |
| Pretax return on assets | 1.6402% | 1,279 |
| Return on Equity (ROE) | 10.3331% | 1,975 |
| Retained earnings to average equity (ytd only) | 5.3431% | 2,651 |
| Net charge-offs to loans | 0.0079% | 3,444 |
| Credit loss provision to net charge-offs | 882.3529% | 403 |
| Earnings coverage of net charge-offs (x) | 261.3670% | 338 |
| Efficiency ratio | 64.6881% | 3,422 |
| Assets per employee ($millions) | 3.5107% | 4,720 |
| Cash dividends to net income (ytd only)* | 48.2913% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7575% | 927 |
| Loan loss allowance to noncurrent loans | 881.9615% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.2054% | 4,259 |
| Noncurrent loans to loans | 0.1993% | 4,287 |
| Net loans and leases to total assets | 80.1874% | 958 |
| Net loans and leases to deposits | 89.7221% | 1,843 |
| Net loans and leases to core deposits | 90.7000% | 2,552 |
| Total domestic deposits to total assets | 89.3730% | 712 |
| Equity capital to assets | 10.1604% | 3,743 |
| Core capital (leverage) ratio | 10.2331% | 3,271 |
| Tier 1 risk-based capital ratio | 13.7551% | 3,548 |
| Total risk-based capital ratio | 15.0137% | 3,480 |
| Memoranda: | ||
| Average total assets | $349,055,500 | 1,933 |
| Average earning assets | $328,192,000 | 1,913 |
| Average equity | $34,735,250 | 2,104 |
| Average total loans | $287,732,250 | 1,629 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7144% | 1,028 |
| Cost of funding earning assets | 0.2802% | 4,286 |
| Net interest margin | 4.4342% | 657 |
| Noninterest income to average assets | 0.6028% | 2,438 |
| Noninterest expense to average assets | 3.1138% | 1,804 |
| Loan and lease loss provision to assets | 0.0861% | 2,267 |
| Net operating income to assets | 1.0052% | 2,403 |
| Return on assets (ROA) | 1.0052% | 2,445 |
| Pretax return on assets | 1.5908% | 1,376 |
| Return on Equity (ROE) | 10.1732% | 1,961 |
| Retained earnings to average equity (ytd only) | 5.9610% | 2,143 |
| Net charge-offs to loans | 0.0118% | 3,044 |
| Credit loss provision to net charge-offs | 882.3529% | 425 |
| Earnings coverage of net charge-offs (x) | 171.8235% | 457 |
| Efficiency ratio | 64.9970% | 3,502 |
| Assets per employee ($millions) | 3.5598% | 4,635 |
| Cash dividends to net income (ytd only)* | 41.4049% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7603% | 963 |
| Loan loss allowance to noncurrent loans | 798.0983% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.2239% | 4,255 |
| Noncurrent loans to loans | 0.2206% | 4,237 |
| Net loans and leases to total assets | 80.5642% | 870 |
| Net loans and leases to deposits | 89.9234% | 1,739 |
| Net loans and leases to core deposits | 90.9042% | 2,443 |
| Total domestic deposits to total assets | 89.5920% | 688 |
| Equity capital to assets | 10.1191% | 3,773 |
| Core capital (leverage) ratio | 10.0280% | 3,503 |
| Tier 1 risk-based capital ratio | 13.9367% | 3,457 |
| Total risk-based capital ratio | 15.1958% | 3,374 |
| Memoranda: | ||
| Average total assets | $348,384,330 | 1,932 |
| Average earning assets | $329,031,670 | 1,910 |
| Average equity | $34,423,670 | 2,119 |
| Average total loans | $288,126,670 | 1,625 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6645% | 1,001 |
| Cost of funding earning assets | 0.2666% | 4,391 |
| Net interest margin | 4.3979% | 643 |
| Noninterest income to average assets | 0.5802% | 2,506 |
| Noninterest expense to average assets | 3.1263% | 1,799 |
| Loan and lease loss provision to assets | 0.0862% | 2,095 |
| Net operating income to assets | 0.9226% | 2,652 |
| Return on assets (ROA) | 0.9226% | 2,708 |
| Pretax return on assets | 1.5177% | 1,479 |
| Return on Equity (ROE) | 9.4512% | 2,207 |
| Retained earnings to average equity (ytd only) | 0.9181% | 4,688 |
| Net charge-offs to loans | -0.0166% | 4,636 |
| Credit loss provision to net charge-offs | -625.0000% | 4,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0918% | 3,478 |
| Assets per employee ($millions) | 3.5362% | 4,742 |
| Cash dividends to net income (ytd only)* | 90.2864% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7071% | 1,124 |
| Loan loss allowance to noncurrent loans | 626.8844% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.2672% | 4,140 |
| Noncurrent loans to loans | 0.2723% | 4,131 |
| Net loans and leases to total assets | 81.2494% | 665 |
| Net loans and leases to deposits | 90.3417% | 1,497 |
| Net loans and leases to core deposits | 91.2498% | 2,235 |
| Total domestic deposits to total assets | 89.9357% | 691 |
| Equity capital to assets | 9.6497% | 4,125 |
| Core capital (leverage) ratio | 9.8340% | 3,715 |
| Tier 1 risk-based capital ratio | 13.1773% | 3,972 |
| Total risk-based capital ratio | 14.4353% | 3,882 |
| Memoranda: | ||
| Average total assets | $348,148,500 | 1,943 |
| Average earning assets | $328,522,000 | 1,917 |
| Average equity | $33,985,000 | 2,152 |
| Average total loans | $289,145,500 | 1,631 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7184% | 1,030 |
| Cost of funding earning assets | 0.2640% | 4,427 |
| Net interest margin | 4.4544% | 677 |
| Noninterest income to average assets | 0.6757% | 2,289 |
| Noninterest expense to average assets | 3.1675% | 1,866 |
| Loan and lease loss provision to assets | 0.1474% | 1,691 |
| Net operating income to assets | 0.9838% | 2,420 |
| Return on assets (ROA) | 0.9838% | 2,522 |
| Pretax return on assets | 1.5596% | 1,403 |
| Return on Equity (ROE) | 10.0462% | 1,940 |
| Retained earnings to average equity (ytd only) | 6.1355% | 1,639 |
| Net charge-offs to loans | 0.1511% | 1,747 |
| Credit loss provision to net charge-offs | 119.3317% | 2,224 |
| Earnings coverage of net charge-offs (x) | 13.8186% | 2,343 |
| Efficiency ratio | 64.9813% | 3,764 |
| Assets per employee ($millions) | 3.4614% | 4,818 |
| Cash dividends to net income (ytd only)* | 38.9272% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7144% | 1,115 |
| Loan loss allowance to noncurrent loans | 566.8208% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 4,090 |
| Noncurrent loans to loans | 0.3025% | 4,053 |
| Net loans and leases to total assets | 82.0258% | 606 |
| Net loans and leases to deposits | 91.3468% | 1,529 |
| Net loans and leases to core deposits | 92.1325% | 2,291 |
| Total domestic deposits to total assets | 89.7960% | 727 |
| Equity capital to assets | 9.8771% | 3,845 |
| Core capital (leverage) ratio | 9.9569% | 3,540 |
| Tier 1 risk-based capital ratio | 13.4539% | 3,796 |
| Total risk-based capital ratio | 14.7124% | 3,690 |
| Memoranda: | ||
| Average total assets | $339,196,600 | 1,953 |
| Average earning assets | $319,727,600 | 1,921 |
| Average equity | $33,216,400 | 2,165 |
| Average total loans | $277,209,800 | 1,633 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6997% | 1,064 |
| Cost of funding earning assets | 0.2648% | 4,449 |
| Net interest margin | 4.4349% | 729 |
| Noninterest income to average assets | 0.6979% | 2,175 |
| Noninterest expense to average assets | 3.1362% | 1,939 |
| Loan and lease loss provision to assets | 0.1478% | 1,587 |
| Net operating income to assets | 0.9915% | 2,475 |
| Return on assets (ROA) | 0.9915% | 2,617 |
| Pretax return on assets | 1.5921% | 1,402 |
| Return on Equity (ROE) | 10.1473% | 1,994 |
| Retained earnings to average equity (ytd only) | 4.9083% | 2,891 |
| Net charge-offs to loans | 0.0931% | 2,021 |
| Credit loss provision to net charge-offs | 195.3125% | 1,468 |
| Earnings coverage of net charge-offs (x) | 22.9951% | 1,726 |
| Efficiency ratio | 64.3175% | 3,883 |
| Assets per employee ($millions) | 3.4423% | 4,850 |
| Cash dividends to net income (ytd only)* | 51.6297% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7736% | 1,061 |
| Loan loss allowance to noncurrent loans | 606.6667% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 4,339 |
| Noncurrent loans to loans | 0.2924% | 4,210 |
| Net loans and leases to total assets | 80.5244% | 814 |
| Net loans and leases to deposits | 91.4313% | 1,574 |
| Net loans and leases to core deposits | 92.3131% | 2,346 |
| Total domestic deposits to total assets | 88.0709% | 1,367 |
| Equity capital to assets | 9.7939% | 4,366 |
| Core capital (leverage) ratio | 9.8619% | 3,738 |
| Tier 1 risk-based capital ratio | 13.1562% | 4,060 |
| Total risk-based capital ratio | 14.4149% | 3,963 |
| Memoranda: | ||
| Average total assets | $338,325,500 | 1,964 |
| Average earning assets | $318,737,500 | 1,930 |
| Average equity | $33,058,750 | 2,190 |
| Average total loans | $275,014,750 | 1,641 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6804% | 1,091 |
| Cost of funding earning assets | 0.2620% | 4,528 |
| Net interest margin | 4.4184% | 735 |
| Noninterest income to average assets | 0.7046% | 2,125 |
| Noninterest expense to average assets | 3.0854% | 2,099 |
| Loan and lease loss provision to assets | 0.1487% | 1,547 |
| Net operating income to assets | 1.0441% | 2,210 |
| Return on assets (ROA) | 1.0441% | 2,332 |
| Pretax return on assets | 1.6322% | 1,275 |
| Return on Equity (ROE) | 10.6941% | 1,764 |
| Retained earnings to average equity (ytd only) | 6.2788% | 1,968 |
| Net charge-offs to loans | 0.1247% | 1,598 |
| Credit loss provision to net charge-offs | 147.0588% | 1,616 |
| Earnings coverage of net charge-offs (x) | 17.6176% | 1,866 |
| Efficiency ratio | 63.4042% | 4,116 |
| Assets per employee ($millions) | 3.4823% | 4,774 |
| Cash dividends to net income (ytd only)* | 41.2870% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7737% | 1,130 |
| Loan loss allowance to noncurrent loans | 1,720.0000% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 4,792 |
| Noncurrent loans to loans | 0.1031% | 5,031 |
| Net loans and leases to total assets | 81.2022% | 724 |
| Net loans and leases to deposits | 90.5692% | 1,689 |
| Net loans and leases to core deposits | 91.5299% | 2,383 |
| Total domestic deposits to total assets | 89.6576% | 613 |
| Equity capital to assets | 10.0797% | 4,124 |
| Core capital (leverage) ratio | 9.7623% | 3,850 |
| Tier 1 risk-based capital ratio | 13.5706% | 3,856 |
| Total risk-based capital ratio | 14.8298% | 3,772 |
| Memoranda: | ||
| Average total assets | $336,359,000 | 1,982 |
| Average earning assets | $316,812,330 | 1,950 |
| Average equity | $32,840,670 | 2,207 |
| Average total loans | $272,623,000 | 1,656 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6994% | 1,052 |
| Cost of funding earning assets | 0.2558% | 4,644 |
| Net interest margin | 4.4436% | 676 |
| Noninterest income to average assets | 0.6521% | 2,257 |
| Noninterest expense to average assets | 3.1548% | 1,943 |
| Loan and lease loss provision to assets | 0.1482% | 1,427 |
| Net operating income to assets | 1.0149% | 2,212 |
| Return on assets (ROA) | 1.0149% | 2,330 |
| Pretax return on assets | 1.5294% | 1,507 |
| Return on Equity (ROE) | 10.5638% | 1,762 |
| Retained earnings to average equity (ytd only) | 1.6167% | 4,626 |
| Net charge-offs to loans | 0.2009% | 991 |
| Credit loss provision to net charge-offs | 91.9118% | 1,750 |
| Earnings coverage of net charge-offs (x) | 10.4044% | 1,923 |
| Efficiency ratio | 65.2846% | 3,928 |
| Assets per employee ($millions) | 3.5581% | 4,728 |
| Cash dividends to net income (ytd only)* | 84.6963% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7668% | 1,219 |
| Loan loss allowance to noncurrent loans | 1,027.9915% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.2433% | 4,584 |
| Noncurrent loans to loans | 0.1719% | 4,795 |
| Net loans and leases to total assets | 78.3110% | 1,063 |
| Net loans and leases to deposits | 86.8927% | 1,958 |
| Net loans and leases to core deposits | 87.5734% | 2,604 |
| Total domestic deposits to total assets | 90.1238% | 548 |
| Equity capital to assets | 9.5237% | 4,645 |
| Core capital (leverage) ratio | 9.6255% | 4,003 |
| Tier 1 risk-based capital ratio | 13.4592% | 4,001 |
| Total risk-based capital ratio | 14.7184% | 3,923 |
| Memoranda: | ||
| Average total assets | $337,386,000 | 1,985 |
| Average earning assets | $317,400,000 | 1,950 |
| Average equity | $32,412,500 | 2,225 |
| Average total loans | $270,752,000 | 1,664 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8983% | 770 |
| Cost of funding earning assets | 0.2809% | 4,477 |
| Net interest margin | 4.6175% | 522 |
| Noninterest income to average assets | 0.8430% | 1,629 |
| Noninterest expense to average assets | 3.4312% | 1,429 |
| Loan and lease loss provision to assets | 0.1567% | 1,492 |
| Net operating income to assets | 0.9724% | 2,507 |
| Return on assets (ROA) | 0.9724% | 2,583 |
| Pretax return on assets | 1.6002% | 1,247 |
| Return on Equity (ROE) | 9.9894% | 2,015 |
| Retained earnings to average equity (ytd only) | 5.7449% | 1,930 |
| Net charge-offs to loans | 0.1295% | 2,078 |
| Credit loss provision to net charge-offs | 146.4912% | 1,817 |
| Earnings coverage of net charge-offs (x) | 16.4240% | 2,131 |
| Efficiency ratio | 66.1361% | 3,884 |
| Assets per employee ($millions) | 3.3999% | 4,979 |
| Cash dividends to net income (ytd only)* | 42.4895% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7912% | 1,147 |
| Loan loss allowance to noncurrent loans | 552.3482% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.3710% | 4,112 |
| Noncurrent loans to loans | 0.3243% | 4,297 |
| Net loans and leases to total assets | 79.3466% | 939 |
| Net loans and leases to deposits | 88.2045% | 1,854 |
| Net loans and leases to core deposits | 88.9177% | 2,508 |
| Total domestic deposits to total assets | 89.9575% | 648 |
| Equity capital to assets | 9.6923% | 4,315 |
| Core capital (leverage) ratio | 9.7317% | 3,863 |
| Tier 1 risk-based capital ratio | 13.5098% | 4,001 |
| Total risk-based capital ratio | 14.7691% | 3,933 |
| Memoranda: | ||
| Average total assets | $319,708,800 | 2,046 |
| Average earning assets | $300,857,800 | 2,013 |
| Average equity | $31,123,000 | 2,243 |
| Average total loans | $264,121,400 | 1,650 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9343% | 710 |
| Cost of funding earning assets | 0.2843% | 4,512 |
| Net interest margin | 4.6499% | 498 |
| Noninterest income to average assets | 0.8712% | 1,544 |
| Noninterest expense to average assets | 3.4629% | 1,358 |
| Loan and lease loss provision to assets | 0.2112% | 923 |
| Net operating income to assets | 0.9454% | 2,731 |
| Return on assets (ROA) | 0.9454% | 2,836 |
| Pretax return on assets | 1.5742% | 1,459 |
| Return on Equity (ROE) | 9.7002% | 2,220 |
| Retained earnings to average equity (ytd only) | 3.9873% | 3,628 |
| Net charge-offs to loans | 0.0827% | 2,367 |
| Credit loss provision to net charge-offs | 307.3620% | 944 |
| Earnings coverage of net charge-offs (x) | 25.9875% | 1,634 |
| Efficiency ratio | 65.9814% | 3,896 |
| Assets per employee ($millions) | 3.2601% | 5,197 |
| Cash dividends to net income (ytd only)* | 58.8944% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8648% | 1,146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1301% | 5,229 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 81.5418% | 632 |
| Net loans and leases to deposits | 90.8114% | 1,549 |
| Net loans and leases to core deposits | 91.9694% | 2,269 |
| Total domestic deposits to total assets | 89.7924% | 656 |
| Equity capital to assets | 9.7215% | 4,492 |
| Core capital (leverage) ratio | 9.3740% | 4,476 |
| Tier 1 risk-based capital ratio | 13.3488% | 4,217 |
| Total risk-based capital ratio | 14.6098% | 4,136 |
| Memoranda: | ||
| Average total assets | $316,337,500 | 2,080 |
| Average earning assets | $297,774,750 | 2,040 |
| Average equity | $30,830,250 | 2,279 |
| Average total loans | $262,851,750 | 1,664 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9144% | 708 |
| Cost of funding earning assets | 0.2834% | 4,571 |
| Net interest margin | 4.6310% | 503 |
| Noninterest income to average assets | 0.8511% | 1,601 |
| Noninterest expense to average assets | 3.4303% | 1,414 |
| Loan and lease loss provision to assets | 0.2234% | 847 |
| Net operating income to assets | 0.9383% | 2,701 |
| Return on assets (ROA) | 0.9383% | 2,818 |
| Pretax return on assets | 1.5551% | 1,467 |
| Return on Equity (ROE) | 9.6188% | 2,244 |
| Retained earnings to average equity (ytd only) | 4.7441% | 3,028 |
| Net charge-offs to loans | 0.0521% | 2,677 |
| Credit loss provision to net charge-offs | 516.1765% | 615 |
| Earnings coverage of net charge-offs (x) | 41.0882% | 1,116 |
| Efficiency ratio | 65.8560% | 4,038 |
| Assets per employee ($millions) | 3.3655% | 5,045 |
| Cash dividends to net income (ytd only)* | 50.6784% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8475% | 1,277 |
| Loan loss allowance to noncurrent loans | 674.7613% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.3808% | 4,370 |
| Noncurrent loans to loans | 0.2738% | 4,690 |
| Net loans and leases to total assets | 79.6691% | 848 |
| Net loans and leases to deposits | 88.2868% | 1,796 |
| Net loans and leases to core deposits | 89.3061% | 2,416 |
| Total domestic deposits to total assets | 90.2390% | 561 |
| Equity capital to assets | 9.4181% | 4,756 |
| Core capital (leverage) ratio | 9.6013% | 4,137 |
| Tier 1 risk-based capital ratio | 13.2610% | 4,370 |
| Total risk-based capital ratio | 14.5216% | 4,299 |
| Memoranda: | ||
| Average total assets | $314,200,000 | 2,108 |
| Average earning assets | $295,662,330 | 2,071 |
| Average equity | $30,648,330 | 2,297 |
| Average total loans | $261,076,670 | 1,678 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9656% | 603 |
| Cost of funding earning assets | 0.2902% | 4,550 |
| Net interest margin | 4.6754% | 431 |
| Noninterest income to average assets | 0.7912% | 1,748 |
| Noninterest expense to average assets | 3.4623% | 1,386 |
| Loan and lease loss provision to assets | 0.2624% | 609 |
| Net operating income to assets | 0.9178% | 2,663 |
| Return on assets (ROA) | 0.9178% | 2,782 |
| Pretax return on assets | 1.4622% | 1,689 |
| Return on Equity (ROE) | 9.2375% | 2,344 |
| Retained earnings to average equity (ytd only) | -0.5782% | 5,484 |
| Net charge-offs to loans | 0.0372% | 2,463 |
| Credit loss provision to net charge-offs | 837.5000% | 372 |
| Earnings coverage of net charge-offs (x) | 55.0417% | 786 |
| Efficiency ratio | 66.7506% | 4,020 |
| Assets per employee ($millions) | 3.1278% | 5,511 |
| Cash dividends to net income (ytd only)* | 106.2589% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8620% | 1,366 |
| Loan loss allowance to noncurrent loans | 568.0751% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.3747% | 4,516 |
| Noncurrent loans to loans | 0.3278% | 4,617 |
| Net loans and leases to total assets | 81.5571% | 512 |
| Net loans and leases to deposits | 90.7455% | 1,321 |
| Net loans and leases to core deposits | 91.7736% | 1,967 |
| Total domestic deposits to total assets | 89.8746% | 799 |
| Equity capital to assets | 9.7462% | 4,438 |
| Core capital (leverage) ratio | 9.8123% | 3,872 |
| Tier 1 risk-based capital ratio | 13.6784% | 4,237 |
| Total risk-based capital ratio | 14.9398% | 4,132 |
| Memoranda: | ||
| Average total assets | $306,388,500 | 2,158 |
| Average earning assets | $288,061,500 | 2,126 |
| Average equity | $30,441,000 | 2,325 |
| Average total loans | $257,758,500 | 1,696 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1808% | 540 |
| Cost of funding earning assets | 0.3338% | 4,448 |
| Net interest margin | 4.8470% | 400 |
| Noninterest income to average assets | 0.9982% | 1,219 |
| Noninterest expense to average assets | 3.5262% | 1,426 |
| Loan and lease loss provision to assets | 0.2108% | 1,185 |
| Net operating income to assets | 1.1958% | 1,597 |
| Return on assets (ROA) | 1.1958% | 1,665 |
| Pretax return on assets | 1.8002% | 789 |
| Return on Equity (ROE) | 12.2687% | 1,333 |
| Retained earnings to average equity (ytd only) | 8.4594% | 843 |
| Net charge-offs to loans | 0.2813% | 1,540 |
| Credit loss provision to net charge-offs | 89.0313% | 2,665 |
| Earnings coverage of net charge-offs (x) | 8.4943% | 2,869 |
| Efficiency ratio | 63.3778% | 4,690 |
| Assets per employee ($millions) | 2.9126% | 5,814 |
| Cash dividends to net income (ytd only)* | 31.0491% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8244% | 1,483 |
| Loan loss allowance to noncurrent loans | 427.7982% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.4313% | 4,380 |
| Noncurrent loans to loans | 0.4265% | 4,362 |
| Net loans and leases to total assets | 83.6407% | 371 |
| Net loans and leases to deposits | 93.5278% | 1,128 |
| Net loans and leases to core deposits | 94.8346% | 1,834 |
| Total domestic deposits to total assets | 89.4287% | 1,003 |
| Equity capital to assets | 10.1327% | 3,944 |
| Core capital (leverage) ratio | 9.9725% | 3,609 |
| Tier 1 risk-based capital ratio | 14.2978% | 3,899 |
| Total risk-based capital ratio | 15.5594% | 3,823 |
| Memoranda: | ||
| Average total assets | $296,526,000 | 2,171 |
| Average earning assets | $277,676,600 | 2,150 |
| Average equity | $28,902,800 | 2,355 |
| Average total loans | $249,551,600 | 1,687 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1817% | 542 |
| Cost of funding earning assets | 0.3427% | 4,426 |
| Net interest margin | 4.8390% | 395 |
| Noninterest income to average assets | 0.9037% | 1,505 |
| Noninterest expense to average assets | 3.4873% | 1,486 |
| Loan and lease loss provision to assets | 0.2413% | 910 |
| Net operating income to assets | 1.0877% | 2,082 |
| Return on assets (ROA) | 1.0877% | 2,152 |
| Pretax return on assets | 1.7033% | 1,059 |
| Return on Equity (ROE) | 11.2725% | 1,695 |
| Retained earnings to average equity (ytd only) | 6.1270% | 2,329 |
| Net charge-offs to loans | 0.1209% | 2,600 |
| Credit loss provision to net charge-offs | 237.7778% | 1,101 |
| Earnings coverage of net charge-offs (x) | 19.1646% | 1,801 |
| Efficiency ratio | 63.9851% | 4,543 |
| Assets per employee ($millions) | 2.9154% | 5,826 |
| Cash dividends to net income (ytd only)* | 45.6467% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9942% | 1,272 |
| Loan loss allowance to noncurrent loans | 278.8515% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.6744% | 3,817 |
| Noncurrent loans to loans | 0.7151% | 3,821 |
| Net loans and leases to total assets | 82.6484% | 445 |
| Net loans and leases to deposits | 91.9864% | 1,233 |
| Net loans and leases to core deposits | 93.0919% | 1,947 |
| Total domestic deposits to total assets | 89.8484% | 805 |
| Equity capital to assets | 9.7603% | 4,470 |
| Core capital (leverage) ratio | 9.8382% | 3,891 |
| Tier 1 risk-based capital ratio | 13.8570% | 4,315 |
| Total risk-based capital ratio | 15.1214% | 4,250 |
| Memoranda: | ||
| Average total assets | $295,657,500 | 2,196 |
| Average earning assets | $276,661,250 | 2,164 |
| Average equity | $28,529,000 | 2,385 |
| Average total loans | $248,043,250 | 1,711 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1691% | 534 |
| Cost of funding earning assets | 0.3558% | 4,371 |
| Net interest margin | 4.8133% | 405 |
| Noninterest income to average assets | 0.8929% | 1,520 |
| Noninterest expense to average assets | 3.4504% | 1,572 |
| Loan and lease loss provision to assets | 0.2890% | 688 |
| Net operating income to assets | 1.0275% | 2,215 |
| Return on assets (ROA) | 1.0275% | 2,279 |
| Pretax return on assets | 1.6524% | 1,133 |
| Return on Equity (ROE) | 10.6902% | 1,848 |
| Retained earnings to average equity (ytd only) | 6.8060% | 1,866 |
| Net charge-offs to loans | 0.1535% | 2,161 |
| Credit loss provision to net charge-offs | 224.8677% | 1,062 |
| Earnings coverage of net charge-offs (x) | 15.1058% | 1,873 |
| Efficiency ratio | 63.7659% | 4,728 |
| Assets per employee ($millions) | 3.0593% | 5,672 |
| Cash dividends to net income (ytd only)* | 36.3336% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9893% | 1,379 |
| Loan loss allowance to noncurrent loans | 398.0800% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.4778% | 4,571 |
| Noncurrent loans to loans | 0.4997% | 4,497 |
| Net loans and leases to total assets | 82.6156% | 410 |
| Net loans and leases to deposits | 91.9778% | 1,151 |
| Net loans and leases to core deposits | 93.1050% | 1,853 |
| Total domestic deposits to total assets | 89.8212% | 893 |
| Equity capital to assets | 9.7603% | 4,419 |
| Core capital (leverage) ratio | 9.7269% | 4,002 |
| Tier 1 risk-based capital ratio | 13.8897% | 4,329 |
| Total risk-based capital ratio | 15.1539% | 4,268 |
| Memoranda: | ||
| Average total assets | $294,113,670 | 2,197 |
| Average earning assets | $274,905,330 | 2,177 |
| Average equity | $28,269,000 | 2,390 |
| Average total loans | $246,313,000 | 1,718 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1912% | 493 |
| Cost of funding earning assets | 0.3653% | 4,376 |
| Net interest margin | 4.8260% | 364 |
| Noninterest income to average assets | 0.8921% | 1,417 |
| Noninterest expense to average assets | 3.4823% | 1,523 |
| Loan and lease loss provision to assets | 0.3074% | 619 |
| Net operating income to assets | 0.9877% | 2,258 |
| Return on assets (ROA) | 0.9877% | 2,314 |
| Pretax return on assets | 1.6148% | 1,142 |
| Return on Equity (ROE) | 10.3576% | 1,916 |
| Retained earnings to average equity (ytd only) | 2.4927% | 4,578 |
| Net charge-offs to loans | 0.0786% | 2,365 |
| Credit loss provision to net charge-offs | 468.7500% | 570 |
| Earnings coverage of net charge-offs (x) | 29.3125% | 1,066 |
| Efficiency ratio | 64.2063% | 4,828 |
| Assets per employee ($millions) | 2.9774% | 5,884 |
| Cash dividends to net income (ytd only)* | 75.9336% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9834% | 1,545 |
| Loan loss allowance to noncurrent loans | 371.3746% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.7218% | 3,959 |
| Noncurrent loans to loans | 0.5341% | 4,575 |
| Net loans and leases to total assets | 81.6117% | 388 |
| Net loans and leases to deposits | 90.6067% | 1,081 |
| Net loans and leases to core deposits | 91.7099% | 1,760 |
| Total domestic deposits to total assets | 90.0725% | 1,033 |
| Equity capital to assets | 9.4187% | 4,600 |
| Core capital (leverage) ratio | 9.5544% | 4,203 |
| Tier 1 risk-based capital ratio | 13.7087% | 4,533 |
| Total risk-based capital ratio | 14.9734% | 4,477 |
| Memoranda: | ||
| Average total assets | $292,793,500 | 2,216 |
| Average earning assets | $273,768,500 | 2,190 |
| Average equity | $27,921,500 | 2,411 |
| Average total loans | $244,399,000 | 1,726 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3387% | 488 |
| Cost of funding earning assets | 0.4346% | 4,267 |
| Net interest margin | 4.9040% | 358 |
| Noninterest income to average assets | 0.9209% | 1,607 |
| Noninterest expense to average assets | 3.4683% | 1,730 |
| Loan and lease loss provision to assets | 0.4481% | 646 |
| Net operating income to assets | 1.0051% | 2,309 |
| Return on assets (ROA) | 1.0051% | 2,372 |
| Pretax return on assets | 1.6268% | 1,104 |
| Return on Equity (ROE) | 10.7279% | 1,851 |
| Retained earnings to average equity (ytd only) | 9.1959% | 733 |
| Net charge-offs to loans | 0.3631% | 1,864 |
| Credit loss provision to net charge-offs | 147.3020% | 1,578 |
| Earnings coverage of net charge-offs (x) | 6.8209% | 2,976 |
| Efficiency ratio | 62.3488% | 5,147 |
| Assets per employee ($millions) | 2.9076% | 5,979 |
| Cash dividends to net income (ytd only)* | 14.2808% | 3,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9677% | 1,629 |
| Loan loss allowance to noncurrent loans | 215.3567% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 1.0582% | 3,299 |
| Noncurrent loans to loans | 0.9137% | 3,701 |
| Net loans and leases to total assets | 82.0402% | 412 |
| Net loans and leases to deposits | 91.2495% | 1,135 |
| Net loans and leases to core deposits | 92.4053% | 1,749 |
| Total domestic deposits to total assets | 89.9075% | 1,125 |
| Equity capital to assets | 9.6579% | 4,209 |
| Core capital (leverage) ratio | 9.5767% | 4,142 |
| Tier 1 risk-based capital ratio | 14.0175% | 4,283 |
| Total risk-based capital ratio | 15.2818% | 4,214 |
| Memoranda: | ||
| Average total assets | $286,335,400 | 2,224 |
| Average earning assets | $269,879,800 | 2,178 |
| Average equity | $26,827,200 | 2,479 |
| Average total loans | $239,880,800 | 1,726 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3217% | 511 |
| Cost of funding earning assets | 0.4504% | 4,269 |
| Net interest margin | 4.8714% | 384 |
| Noninterest income to average assets | 0.8691% | 1,862 |
| Noninterest expense to average assets | 3.4135% | 1,795 |
| Loan and lease loss provision to assets | 0.4583% | 617 |
| Net operating income to assets | 1.0029% | 2,365 |
| Return on assets (ROA) | 1.0029% | 2,450 |
| Pretax return on assets | 1.6016% | 1,336 |
| Return on Equity (ROE) | 10.7882% | 1,890 |
| Retained earnings to average equity (ytd only) | 8.7268% | 1,147 |
| Net charge-offs to loans | 0.3711% | 1,714 |
| Credit loss provision to net charge-offs | 147.3763% | 1,598 |
| Earnings coverage of net charge-offs (x) | 6.6237% | 2,936 |
| Efficiency ratio | 62.1433% | 5,117 |
| Assets per employee ($millions) | 3.0978% | 5,678 |
| Cash dividends to net income (ytd only)* | 19.1075% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9154% | 1,956 |
| Loan loss allowance to noncurrent loans | 100.8252% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 2.0035% | 2,015 |
| Noncurrent loans to loans | 1.8998% | 2,369 |
| Net loans and leases to total assets | 82.5277% | 328 |
| Net loans and leases to deposits | 91.5876% | 1,013 |
| Net loans and leases to core deposits | 93.0351% | 1,667 |
| Total domestic deposits to total assets | 90.1080% | 933 |
| Equity capital to assets | 9.4283% | 4,637 |
| Core capital (leverage) ratio | 9.3803% | 4,561 |
| Tier 1 risk-based capital ratio | 13.6397% | 4,667 |
| Total risk-based capital ratio | 14.9000% | 4,614 |
| Memoranda: | ||
| Average total assets | $285,957,250 | 2,244 |
| Average earning assets | $270,280,750 | 2,185 |
| Average equity | $26,584,000 | 2,518 |
| Average total loans | $239,628,250 | 1,724 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2663% | 560 |
| Cost of funding earning assets | 0.4689% | 4,220 |
| Net interest margin | 4.7975% | 437 |
| Noninterest income to average assets | 0.8491% | 2,003 |
| Noninterest expense to average assets | 3.3753% | 1,878 |
| Loan and lease loss provision to assets | 0.4789% | 588 |
| Net operating income to assets | 0.9725% | 2,452 |
| Return on assets (ROA) | 0.9725% | 2,596 |
| Pretax return on assets | 1.5432% | 1,501 |
| Return on Equity (ROE) | 10.5110% | 2,009 |
| Retained earnings to average equity (ytd only) | 10.5110% | 743 |
| Net charge-offs to loans | 0.2044% | 2,531 |
| Credit loss provision to net charge-offs | 279.9180% | 915 |
| Earnings coverage of net charge-offs (x) | 11.8197% | 2,028 |
| Efficiency ratio | 62.3019% | 5,129 |
| Assets per employee ($millions) | 2.9109% | 6,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9986% | 1,850 |
| Loan loss allowance to noncurrent loans | 92.2928% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 2.0886% | 2,071 |
| Noncurrent loans to loans | 2.1655% | 2,221 |
| Net loans and leases to total assets | 81.9232% | 362 |
| Net loans and leases to deposits | 90.8875% | 1,063 |
| Net loans and leases to core deposits | 92.3872% | 1,669 |
| Total domestic deposits to total assets | 90.1369% | 954 |
| Equity capital to assets | 9.3877% | 4,739 |
| Core capital (leverage) ratio | 9.2577% | 4,612 |
| Tier 1 risk-based capital ratio | 13.8137% | 4,553 |
| Total risk-based capital ratio | 15.0789% | 4,509 |
| Memoranda: | ||
| Average total assets | $285,246,000 | 2,253 |
| Average earning assets | $270,434,330 | 2,191 |
| Average equity | $26,391,330 | 2,546 |
| Average total loans | $238,705,000 | 1,735 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3303% | 480 |
| Cost of funding earning assets | 0.5068% | 4,018 |
| Net interest margin | 4.8235% | 385 |
| Noninterest income to average assets | 0.8344% | 1,987 |
| Noninterest expense to average assets | 3.3222% | 2,031 |
| Loan and lease loss provision to assets | 0.5609% | 467 |
| Net operating income to assets | 0.9494% | 2,441 |
| Return on assets (ROA) | 0.9494% | 2,583 |
| Pretax return on assets | 1.5159% | 1,524 |
| Return on Equity (ROE) | 10.3371% | 1,938 |
| Retained earnings to average equity (ytd only) | 10.3371% | 1,023 |
| Net charge-offs to loans | 0.0536% | 3,291 |
| Credit loss provision to net charge-offs | 1,250.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 46.2813% | 709 |
| Efficiency ratio | 61.2987% | 5,408 |
| Assets per employee ($millions) | 3.0905% | 5,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9635% | 2,137 |
| Loan loss allowance to noncurrent loans | 98.8840% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 2.0533% | 2,282 |
| Noncurrent loans to loans | 1.9857% | 2,635 |
| Net loans and leases to total assets | 80.7086% | 368 |
| Net loans and leases to deposits | 89.2394% | 1,026 |
| Net loans and leases to core deposits | 90.4160% | 1,661 |
| Total domestic deposits to total assets | 90.4405% | 796 |
| Equity capital to assets | 9.1306% | 5,333 |
| Core capital (leverage) ratio | 9.0764% | 4,753 |
| Tier 1 risk-based capital ratio | 13.3701% | 4,960 |
| Total risk-based capital ratio | 14.6348% | 4,904 |
| Memoranda: | ||
| Average total assets | $285,236,000 | 2,283 |
| Average earning assets | $269,927,500 | 2,214 |
| Average equity | $26,197,000 | 2,596 |
| Average total loans | $238,825,000 | 1,734 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6686% | 453 |
| Cost of funding earning assets | 0.6310% | 4,090 |
| Net interest margin | 5.0376% | 365 |
| Noninterest income to average assets | 0.8438% | 2,066 |
| Noninterest expense to average assets | 3.5069% | 1,800 |
| Loan and lease loss provision to assets | 0.6505% | 821 |
| Net operating income to assets | 0.9038% | 2,796 |
| Return on assets (ROA) | 0.9038% | 3,037 |
| Pretax return on assets | 1.4264% | 1,948 |
| Return on Equity (ROE) | 9.9722% | 2,180 |
| Retained earnings to average equity (ytd only) | 7.0336% | 1,553 |
| Net charge-offs to loans | 0.3618% | 2,825 |
| Credit loss provision to net charge-offs | 216.0864% | 1,173 |
| Earnings coverage of net charge-offs (x) | 6.8992% | 2,714 |
| Efficiency ratio | 62.5785% | 5,152 |
| Assets per employee ($millions) | 3.0431% | 5,948 |
| Cash dividends to net income (ytd only)* | 29.4682% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8143% | 2,545 |
| Loan loss allowance to noncurrent loans | 142.4292% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 1.7892% | 2,725 |
| Noncurrent loans to loans | 1.2739% | 3,708 |
| Net loans and leases to total assets | 83.6400% | 237 |
| Net loans and leases to deposits | 92.4358% | 875 |
| Net loans and leases to core deposits | 93.7030% | 1,492 |
| Total domestic deposits to total assets | 90.4845% | 709 |
| Equity capital to assets | 9.2401% | 5,222 |
| Core capital (leverage) ratio | 9.0182% | 4,873 |
| Tier 1 risk-based capital ratio | 12.9366% | 5,156 |
| Total risk-based capital ratio | 14.1967% | 5,088 |
| Memoranda: | ||
| Average total assets | $276,711,000 | 2,296 |
| Average earning assets | $260,364,600 | 2,233 |
| Average equity | $25,079,600 | 2,650 |
| Average total loans | $230,206,600 | 1,771 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7357% | 434 |
| Cost of funding earning assets | 0.6545% | 4,157 |
| Net interest margin | 5.0812% | 351 |
| Noninterest income to average assets | 0.7945% | 2,266 |
| Noninterest expense to average assets | 3.3988% | 2,003 |
| Loan and lease loss provision to assets | 0.7249% | 693 |
| Net operating income to assets | 0.9076% | 2,946 |
| Return on assets (ROA) | 0.9076% | 3,177 |
| Pretax return on assets | 1.4507% | 2,075 |
| Return on Equity (ROE) | 10.0632% | 2,323 |
| Retained earnings to average equity (ytd only) | 8.6378% | 1,362 |
| Net charge-offs to loans | 0.4459% | 2,324 |
| Credit loss provision to net charge-offs | 196.5924% | 1,412 |
| Earnings coverage of net charge-offs (x) | 5.9004% | 2,899 |
| Efficiency ratio | 60.7456% | 5,365 |
| Assets per employee ($millions) | 2.9904% | 6,068 |
| Cash dividends to net income (ytd only)* | 14.1641% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7417% | 2,987 |
| Loan loss allowance to noncurrent loans | 160.7928% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 1.7975% | 2,915 |
| Noncurrent loans to loans | 1.0832% | 4,271 |
| Net loans and leases to total assets | 83.1106% | 274 |
| Net loans and leases to deposits | 91.9823% | 975 |
| Net loans and leases to core deposits | 93.1496% | 1,670 |
| Total domestic deposits to total assets | 90.3550% | 650 |
| Equity capital to assets | 9.2516% | 5,529 |
| Core capital (leverage) ratio | 9.0557% | 4,979 |
| Tier 1 risk-based capital ratio | 12.8466% | 5,371 |
| Total risk-based capital ratio | 14.1092% | 5,329 |
| Memoranda: | ||
| Average total assets | $275,897,750 | 2,324 |
| Average earning assets | $259,539,000 | 2,257 |
| Average equity | $24,882,250 | 2,701 |
| Average total loans | $228,136,000 | 1,800 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7018% | 481 |
| Cost of funding earning assets | 0.6750% | 4,227 |
| Net interest margin | 5.0268% | 385 |
| Noninterest income to average assets | 0.7777% | 2,303 |
| Noninterest expense to average assets | 3.3275% | 2,231 |
| Loan and lease loss provision to assets | 0.7268% | 725 |
| Net operating income to assets | 0.8962% | 2,931 |
| Return on assets (ROA) | 0.8962% | 3,195 |
| Pretax return on assets | 1.4544% | 1,996 |
| Return on Equity (ROE) | 10.0244% | 2,335 |
| Retained earnings to average equity (ytd only) | 10.0244% | 964 |
| Net charge-offs to loans | 0.4119% | 2,385 |
| Credit loss provision to net charge-offs | 215.0538% | 1,314 |
| Earnings coverage of net charge-offs (x) | 6.4538% | 2,636 |
| Efficiency ratio | 60.1662% | 5,547 |
| Assets per employee ($millions) | 3.0655% | 5,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6979% | 3,234 |
| Loan loss allowance to noncurrent loans | 250.1606% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 1.4715% | 3,495 |
| Noncurrent loans to loans | 0.6787% | 5,145 |
| Net loans and leases to total assets | 80.8357% | 425 |
| Net loans and leases to deposits | 89.2737% | 1,221 |
| Net loans and leases to core deposits | 90.3986% | 1,947 |
| Total domestic deposits to total assets | 90.5482% | 637 |
| Equity capital to assets | 9.0575% | 5,641 |
| Core capital (leverage) ratio | 8.9297% | 5,013 |
| Tier 1 risk-based capital ratio | 12.8753% | 5,271 |
| Total risk-based capital ratio | 14.1351% | 5,241 |
| Memoranda: | ||
| Average total assets | $275,162,670 | 2,335 |
| Average earning assets | $258,970,670 | 2,268 |
| Average equity | $24,600,000 | 2,707 |
| Average total loans | $225,771,330 | 1,810 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6753% | 542 |
| Cost of funding earning assets | 0.6920% | 4,349 |
| Net interest margin | 4.9833% | 411 |
| Noninterest income to average assets | 0.7582% | 2,357 |
| Noninterest expense to average assets | 3.2979% | 2,296 |
| Loan and lease loss provision to assets | 0.7319% | 698 |
| Net operating income to assets | 0.8695% | 3,055 |
| Return on assets (ROA) | 0.8695% | 3,284 |
| Pretax return on assets | 1.4301% | 2,090 |
| Return on Equity (ROE) | 9.7913% | 2,474 |
| Retained earnings to average equity (ytd only) | 9.7913% | 1,324 |
| Net charge-offs to loans | 0.4358% | 2,005 |
| Credit loss provision to net charge-offs | 204.9180% | 1,316 |
| Earnings coverage of net charge-offs (x) | 6.0533% | 2,257 |
| Efficiency ratio | 60.1609% | 5,590 |
| Assets per employee ($millions) | 3.0957% | 5,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6130% | 3,674 |
| Loan loss allowance to noncurrent loans | 155.0600% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 1.6051% | 3,441 |
| Noncurrent loans to loans | 1.0402% | 4,608 |
| Net loans and leases to total assets | 79.1652% | 479 |
| Net loans and leases to deposits | 87.2984% | 1,250 |
| Net loans and leases to core deposits | 88.3974% | 2,005 |
| Total domestic deposits to total assets | 90.6834% | 701 |
| Equity capital to assets | 8.8148% | 5,736 |
| Core capital (leverage) ratio | 8.7832% | 5,152 |
| Tier 1 risk-based capital ratio | 12.7891% | 5,373 |
| Total risk-based capital ratio | 14.0441% | 5,350 |
| Memoranda: | ||
| Average total assets | $273,263,000 | 2,358 |
| Average earning assets | $257,819,000 | 2,300 |
| Average equity | $24,266,500 | 2,741 |
| Average total loans | $223,959,000 | 1,827 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8203% | 617 |
| Cost of funding earning assets | 0.9536% | 3,701 |
| Net interest margin | 4.8667% | 545 |
| Noninterest income to average assets | 0.7487% | 2,342 |
| Noninterest expense to average assets | 3.5630% | 1,823 |
| Loan and lease loss provision to assets | 0.8555% | 1,134 |
| Net operating income to assets | 0.6043% | 3,981 |
| Return on assets (ROA) | 0.6043% | 4,168 |
| Pretax return on assets | 0.9383% | 3,477 |
| Return on Equity (ROE) | 7.1074% | 3,350 |
| Retained earnings to average equity (ytd only) | 7.1074% | 1,447 |
| Net charge-offs to loans | 0.9725% | 1,773 |
| Credit loss provision to net charge-offs | 104.6098% | 3,278 |
| Earnings coverage of net charge-offs (x) | 2.1935% | 4,140 |
| Efficiency ratio | 66.2695% | 4,715 |
| Assets per employee ($millions) | 2.9441% | 6,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5017% | 4,018 |
| Loan loss allowance to noncurrent loans | 104.2831% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 2.0768% | 2,867 |
| Noncurrent loans to loans | 1.4401% | 4,006 |
| Net loans and leases to total assets | 82.2571% | 322 |
| Net loans and leases to deposits | 90.7627% | 1,074 |
| Net loans and leases to core deposits | 91.9514% | 1,891 |
| Total domestic deposits to total assets | 90.6287% | 654 |
| Equity capital to assets | 8.9484% | 5,609 |
| Core capital (leverage) ratio | 8.7325% | 5,201 |
| Tier 1 risk-based capital ratio | 12.2597% | 5,638 |
| Total risk-based capital ratio | 13.5200% | 5,606 |
| Memoranda: | ||
| Average total assets | $267,917,800 | 2,355 |
| Average earning assets | $253,681,800 | 2,278 |
| Average equity | $22,779,000 | 2,808 |
| Average total loans | $225,294,200 | 1,838 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8165% | 679 |
| Cost of funding earning assets | 1.0146% | 3,575 |
| Net interest margin | 4.8019% | 622 |
| Noninterest income to average assets | 0.7420% | 2,356 |
| Noninterest expense to average assets | 3.6413% | 1,623 |
| Loan and lease loss provision to assets | 0.7798% | 1,206 |
| Net operating income to assets | 0.5703% | 4,219 |
| Return on assets (ROA) | 0.5703% | 4,398 |
| Pretax return on assets | 0.8714% | 3,875 |
| Return on Equity (ROE) | 6.7969% | 3,612 |
| Retained earnings to average equity (ytd only) | 6.7969% | 2,082 |
| Net charge-offs to loans | 0.8466% | 1,881 |
| Credit loss provision to net charge-offs | 109.3510% | 3,021 |
| Earnings coverage of net charge-offs (x) | 2.3154% | 3,969 |
| Efficiency ratio | 68.5567% | 4,206 |
| Assets per employee ($millions) | 3.0167% | 6,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4997% | 4,098 |
| Loan loss allowance to noncurrent loans | 64.6778% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 2.4611% | 2,618 |
| Noncurrent loans to loans | 2.3187% | 2,986 |
| Net loans and leases to total assets | 82.0810% | 349 |
| Net loans and leases to deposits | 90.2150% | 1,192 |
| Net loans and leases to core deposits | 91.5251% | 2,052 |
| Total domestic deposits to total assets | 90.9838% | 433 |
| Equity capital to assets | 8.6180% | 6,179 |
| Core capital (leverage) ratio | 8.5619% | 5,611 |
| Tier 1 risk-based capital ratio | 11.9577% | 5,924 |
| Total risk-based capital ratio | 13.2134% | 5,904 |
| Memoranda: | ||
| Average total assets | $267,918,500 | 2,367 |
| Average earning assets | $253,893,000 | 2,286 |
| Average equity | $22,480,250 | 2,835 |
| Average total loans | $225,683,000 | 1,853 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8611% | 635 |
| Cost of funding earning assets | 1.0871% | 3,337 |
| Net interest margin | 4.7740% | 628 |
| Noninterest income to average assets | 0.6869% | 2,618 |
| Noninterest expense to average assets | 3.7297% | 1,474 |
| Loan and lease loss provision to assets | 0.6749% | 1,429 |
| Net operating income to assets | 0.5196% | 4,419 |
| Return on assets (ROA) | 0.5196% | 4,560 |
| Pretax return on assets | 0.7971% | 4,044 |
| Return on Equity (ROE) | 6.2505% | 3,823 |
| Retained earnings to average equity (ytd only) | 6.2505% | 2,268 |
| Net charge-offs to loans | 0.7237% | 2,062 |
| Credit loss provision to net charge-offs | 110.2941% | 2,779 |
| Earnings coverage of net charge-offs (x) | 2.4056% | 3,613 |
| Efficiency ratio | 71.4430% | 3,841 |
| Assets per employee ($millions) | 2.7762% | 6,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 4,169 |
| Loan loss allowance to noncurrent loans | 64.1035% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 2.6382% | 2,529 |
| Noncurrent loans to loans | 2.3268% | 3,062 |
| Net loans and leases to total assets | 82.8413% | 315 |
| Net loans and leases to deposits | 91.0017% | 1,158 |
| Net loans and leases to core deposits | 92.6612% | 2,057 |
| Total domestic deposits to total assets | 91.0327% | 487 |
| Equity capital to assets | 8.5283% | 6,150 |
| Core capital (leverage) ratio | 8.3991% | 5,712 |
| Tier 1 risk-based capital ratio | 11.6729% | 6,030 |
| Total risk-based capital ratio | 12.9289% | 6,027 |
| Memoranda: | ||
| Average total assets | $266,724,670 | 2,390 |
| Average earning assets | $252,239,670 | 2,312 |
| Average equity | $22,174,330 | 2,856 |
| Average total loans | $225,496,330 | 1,871 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8730% | 637 |
| Cost of funding earning assets | 1.1540% | 3,135 |
| Net interest margin | 4.7190% | 680 |
| Noninterest income to average assets | 0.6836% | 2,663 |
| Noninterest expense to average assets | 3.5513% | 1,873 |
| Loan and lease loss provision to assets | 0.6746% | 1,263 |
| Net operating income to assets | 0.5846% | 4,115 |
| Return on assets (ROA) | 0.5846% | 4,181 |
| Pretax return on assets | 0.9144% | 3,445 |
| Return on Equity (ROE) | 7.1243% | 3,316 |
| Retained earnings to average equity (ytd only) | 7.1243% | 2,091 |
| Net charge-offs to loans | 0.0672% | 4,250 |
| Credit loss provision to net charge-offs | 1,184.2105% | 335 |
| Earnings coverage of net charge-offs (x) | 27.8947% | 879 |
| Efficiency ratio | 68.8247% | 4,506 |
| Assets per employee ($millions) | 2.9130% | 6,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6449% | 3,549 |
| Loan loss allowance to noncurrent loans | 66.6606% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 2.9531% | 2,343 |
| Noncurrent loans to loans | 2.4676% | 3,027 |
| Net loans and leases to total assets | 81.9051% | 350 |
| Net loans and leases to deposits | 89.7882% | 1,258 |
| Net loans and leases to core deposits | 91.4122% | 2,182 |
| Total domestic deposits to total assets | 91.2203% | 523 |
| Equity capital to assets | 8.2611% | 6,209 |
| Core capital (leverage) ratio | 8.3276% | 5,757 |
| Tier 1 risk-based capital ratio | 11.5970% | 6,024 |
| Total risk-based capital ratio | 12.8556% | 6,001 |
| Memoranda: | ||
| Average total assets | $266,831,000 | 2,410 |
| Average earning assets | $252,001,500 | 2,329 |
| Average equity | $21,897,000 | 2,878 |
| Average total loans | $226,182,000 | 1,887 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1296% | 658 |
| Cost of funding earning assets | 1.5091% | 2,584 |
| Net interest margin | 4.6205% | 968 |
| Noninterest income to average assets | 0.7873% | 2,342 |
| Noninterest expense to average assets | 3.4725% | 2,246 |
| Loan and lease loss provision to assets | 0.7636% | 2,147 |
| Net operating income to assets | 0.5567% | 3,865 |
| Return on assets (ROA) | 0.5567% | 4,017 |
| Pretax return on assets | 0.9209% | 3,193 |
| Return on Equity (ROE) | 6.7725% | 3,226 |
| Retained earnings to average equity (ytd only) | 3.2376% | 3,602 |
| Net charge-offs to loans | 0.4541% | 3,800 |
| Credit loss provision to net charge-offs | 192.1230% | 1,666 |
| Earnings coverage of net charge-offs (x) | 4.2382% | 3,005 |
| Efficiency ratio | 67.0763% | 4,751 |
| Assets per employee ($millions) | 2.8567% | 6,426 |
| Cash dividends to net income (ytd only)* | 52.1948% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4219% | 4,417 |
| Loan loss allowance to noncurrent loans | 82.3604% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 2.4685% | 2,803 |
| Noncurrent loans to loans | 1.7265% | 3,909 |
| Net loans and leases to total assets | 85.0435% | 235 |
| Net loans and leases to deposits | 93.1453% | 1,132 |
| Net loans and leases to core deposits | 94.9730% | 2,131 |
| Total domestic deposits to total assets | 91.3020% | 459 |
| Equity capital to assets | 8.1511% | 6,320 |
| Core capital (leverage) ratio | 8.2668% | 5,732 |
| Tier 1 risk-based capital ratio | 11.0817% | 6,265 |
| Total risk-based capital ratio | 12.3367% | 6,234 |
| Memoranda: | ||
| Average total assets | $261,914,400 | 2,435 |
| Average earning assets | $247,701,000 | 2,357 |
| Average equity | $21,528,200 | 2,944 |
| Average total loans | $229,251,800 | 1,905 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1339% | 710 |
| Cost of funding earning assets | 1.5629% | 2,593 |
| Net interest margin | 4.5710% | 1,107 |
| Noninterest income to average assets | 0.7949% | 2,258 |
| Noninterest expense to average assets | 3.4889% | 2,059 |
| Loan and lease loss provision to assets | 0.6897% | 2,220 |
| Net operating income to assets | 0.5758% | 3,978 |
| Return on assets (ROA) | 0.5758% | 4,140 |
| Pretax return on assets | 0.9421% | 3,399 |
| Return on Equity (ROE) | 6.9901% | 3,350 |
| Retained earnings to average equity (ytd only) | 3.1570% | 4,219 |
| Net charge-offs to loans | 0.2384% | 4,515 |
| Credit loss provision to net charge-offs | 329.2683% | 968 |
| Earnings coverage of net charge-offs (x) | 7.7903% | 2,265 |
| Efficiency ratio | 67.8739% | 4,486 |
| Assets per employee ($millions) | 2.9029% | 6,365 |
| Cash dividends to net income (ytd only)* | 54.8359% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3896% | 4,522 |
| Loan loss allowance to noncurrent loans | 88.8645% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 1.9422% | 3,549 |
| Noncurrent loans to loans | 1.5637% | 4,296 |
| Net loans and leases to total assets | 86.0909% | 194 |
| Net loans and leases to deposits | 95.0185% | 1,096 |
| Net loans and leases to core deposits | 97.1077% | 2,137 |
| Total domestic deposits to total assets | 90.6043% | 593 |
| Equity capital to assets | 8.1683% | 6,649 |
| Core capital (leverage) ratio | 8.2582% | 5,949 |
| Tier 1 risk-based capital ratio | 10.8882% | 6,470 |
| Total risk-based capital ratio | 12.1408% | 6,451 |
| Memoranda: | ||
| Average total assets | $260,975,500 | 2,475 |
| Average earning assets | $246,972,000 | 2,404 |
| Average equity | $21,496,500 | 2,983 |
| Average total loans | $229,266,250 | 1,928 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1094% | 742 |
| Cost of funding earning assets | 1.6066% | 2,616 |
| Net interest margin | 4.5028% | 1,204 |
| Noninterest income to average assets | 0.8102% | 2,068 |
| Noninterest expense to average assets | 3.4764% | 2,079 |
| Loan and lease loss provision to assets | 0.4634% | 3,001 |
| Net operating income to assets | 0.6519% | 3,618 |
| Return on assets (ROA) | 0.6519% | 3,773 |
| Pretax return on assets | 1.1284% | 2,679 |
| Return on Equity (ROE) | 7.8914% | 2,922 |
| Retained earnings to average equity (ytd only) | 4.0579% | 3,500 |
| Net charge-offs to loans | 0.2228% | 4,265 |
| Credit loss provision to net charge-offs | 236.2205% | 1,633 |
| Earnings coverage of net charge-offs (x) | 8.1142% | 2,188 |
| Efficiency ratio | 68.3176% | 4,516 |
| Assets per employee ($millions) | 2.7829% | 6,608 |
| Cash dividends to net income (ytd only)* | 48.5782% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 5,735 |
| Loan loss allowance to noncurrent loans | 87.0968% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 1.8231% | 3,729 |
| Noncurrent loans to loans | 1.3110% | 4,758 |
| Net loans and leases to total assets | 87.5735% | 148 |
| Net loans and leases to deposits | 95.9603% | 1,053 |
| Net loans and leases to core deposits | 97.9850% | 2,232 |
| Total domestic deposits to total assets | 91.2601% | 396 |
| Equity capital to assets | 8.2781% | 6,452 |
| Core capital (leverage) ratio | 8.2941% | 5,783 |
| Tier 1 risk-based capital ratio | 10.8762% | 6,376 |
| Total risk-based capital ratio | 12.1274% | 6,363 |
| Memoranda: | ||
| Average total assets | $258,944,330 | 2,519 |
| Average earning assets | $244,869,670 | 2,444 |
| Average equity | $21,390,330 | 2,989 |
| Average total loans | $227,967,670 | 1,955 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0562% | 873 |
| Cost of funding earning assets | 1.6417% | 2,696 |
| Net interest margin | 4.4145% | 1,355 |
| Noninterest income to average assets | 0.8121% | 1,959 |
| Noninterest expense to average assets | 3.3662% | 2,323 |
| Loan and lease loss provision to assets | 0.4658% | 2,639 |
| Net operating income to assets | 0.6242% | 3,783 |
| Return on assets (ROA) | 0.6242% | 3,915 |
| Pretax return on assets | 1.1552% | 2,535 |
| Return on Equity (ROE) | 7.5642% | 3,085 |
| Retained earnings to average equity (ytd only) | 3.7068% | 3,931 |
| Net charge-offs to loans | 0.2388% | 3,505 |
| Credit loss provision to net charge-offs | 222.2222% | 1,696 |
| Earnings coverage of net charge-offs (x) | 7.7333% | 2,045 |
| Efficiency ratio | 67.2167% | 4,877 |
| Assets per employee ($millions) | 2.7612% | 6,731 |
| Cash dividends to net income (ytd only)* | 50.9950% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 6,019 |
| Loan loss allowance to noncurrent loans | 75.9630% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.9768% | 3,530 |
| Noncurrent loans to loans | 1.4434% | 4,576 |
| Net loans and leases to total assets | 85.6648% | 235 |
| Net loans and leases to deposits | 93.9355% | 1,356 |
| Net loans and leases to core deposits | 96.1646% | 2,566 |
| Total domestic deposits to total assets | 91.1954% | 465 |
| Equity capital to assets | 8.2271% | 6,396 |
| Core capital (leverage) ratio | 8.2516% | 5,831 |
| Tier 1 risk-based capital ratio | 11.0543% | 6,109 |
| Total risk-based capital ratio | 12.3095% | 6,072 |
| Memoranda: | ||
| Average total assets | $257,619,500 | 2,581 |
| Average earning assets | $243,651,000 | 2,507 |
| Average equity | $21,258,000 | 3,037 |
| Average total loans | $226,085,000 | 2,024 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3656% | 898 |
| Cost of funding earning assets | 2.0917% | 2,506 |
| Net interest margin | 4.2739% | 1,804 |
| Noninterest income to average assets | 0.8111% | 2,354 |
| Noninterest expense to average assets | 3.4564% | 2,502 |
| Loan and lease loss provision to assets | 0.4501% | 4,128 |
| Net operating income to assets | 0.6332% | 3,204 |
| Return on assets (ROA) | 0.6332% | 3,267 |
| Pretax return on assets | 0.9247% | 2,848 |
| Return on Equity (ROE) | 7.6400% | 2,523 |
| Retained earnings to average equity (ytd only) | 4.6460% | 2,005 |
| Net charge-offs to loans | 0.3833% | 4,288 |
| Credit loss provision to net charge-offs | 128.8506% | 3,996 |
| Earnings coverage of net charge-offs (x) | 3.9356% | 3,132 |
| Efficiency ratio | 71.2517% | 4,402 |
| Assets per employee ($millions) | 3.0438% | 6,114 |
| Cash dividends to net income (ytd only)* | 39.1883% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0116% | 6,316 |
| Loan loss allowance to noncurrent loans | 113.0777% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 1.1902% | 4,721 |
| Noncurrent loans to loans | 0.8946% | 5,518 |
| Net loans and leases to total assets | 88.0218% | 171 |
| Net loans and leases to deposits | 96.3775% | 1,284 |
| Net loans and leases to core deposits | 119.7425% | 1,964 |
| Total domestic deposits to total assets | 91.3302% | 425 |
| Equity capital to assets | 8.2767% | 6,226 |
| Core capital (leverage) ratio | 8.3882% | 5,459 |
| Tier 1 risk-based capital ratio | 10.9126% | 5,996 |
| Total risk-based capital ratio | 12.1102% | 6,021 |
| Memoranda: | ||
| Average total assets | $249,047,000 | 2,615 |
| Average earning assets | $234,258,600 | 2,561 |
| Average equity | $20,641,400 | 3,116 |
| Average total loans | $226,958,200 | 2,046 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3729% | 976 |
| Cost of funding earning assets | 2.1620% | 2,588 |
| Net interest margin | 4.2109% | 2,011 |
| Noninterest income to average assets | 0.8262% | 2,307 |
| Noninterest expense to average assets | 3.5145% | 2,244 |
| Loan and lease loss provision to assets | 0.3573% | 4,179 |
| Net operating income to assets | 0.5923% | 3,627 |
| Return on assets (ROA) | 0.5923% | 3,692 |
| Pretax return on assets | 0.9065% | 3,207 |
| Return on Equity (ROE) | 7.1439% | 3,003 |
| Retained earnings to average equity (ytd only) | 4.4657% | 2,779 |
| Net charge-offs to loans | 0.4114% | 3,615 |
| Credit loss provision to net charge-offs | 94.7143% | 5,348 |
| Earnings coverage of net charge-offs (x) | 3.3500% | 3,564 |
| Efficiency ratio | 73.2574% | 4,005 |
| Assets per employee ($millions) | 2.7073% | 6,833 |
| Cash dividends to net income (ytd only)* | 37.4886% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8815% | 6,841 |
| Loan loss allowance to noncurrent loans | 80.0955% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 1.3873% | 4,320 |
| Noncurrent loans to loans | 1.1005% | 5,114 |
| Net loans and leases to total assets | 87.9644% | 206 |
| Net loans and leases to deposits | 97.2841% | 1,401 |
| Net loans and leases to core deposits | 122.7569% | 2,015 |
| Total domestic deposits to total assets | 90.4201% | 615 |
| Equity capital to assets | 8.1658% | 6,679 |
| Core capital (leverage) ratio | 8.3715% | 5,711 |
| Tier 1 risk-based capital ratio | 10.8937% | 6,058 |
| Total risk-based capital ratio | 11.9542% | 6,218 |
| Memoranda: | ||
| Average total assets | $247,388,250 | 2,648 |
| Average earning assets | $232,186,000 | 2,595 |
| Average equity | $20,511,250 | 3,168 |
| Average total loans | $226,858,750 | 2,074 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4080% | 991 |
| Cost of funding earning assets | 2.2001% | 2,794 |
| Net interest margin | 4.2079% | 1,967 |
| Noninterest income to average assets | 0.8225% | 2,302 |
| Noninterest expense to average assets | 3.5884% | 2,098 |
| Loan and lease loss provision to assets | 0.2974% | 4,184 |
| Net operating income to assets | 0.5506% | 3,877 |
| Return on assets (ROA) | 0.5506% | 3,998 |
| Pretax return on assets | 0.8791% | 3,406 |
| Return on Equity (ROE) | 6.6052% | 3,390 |
| Retained earnings to average equity (ytd only) | 2.5556% | 3,905 |
| Net charge-offs to loans | 0.3640% | 3,364 |
| Credit loss provision to net charge-offs | 88.1068% | 4,977 |
| Earnings coverage of net charge-offs (x) | 3.4854% | 3,427 |
| Efficiency ratio | 75.0000% | 3,873 |
| Assets per employee ($millions) | 2.5842% | 7,086 |
| Cash dividends to net income (ytd only)* | 61.3095% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8831% | 6,838 |
| Loan loss allowance to noncurrent loans | 60.7718% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 1.9075% | 3,331 |
| Noncurrent loans to loans | 1.4531% | 4,313 |
| Net loans and leases to total assets | 91.4400% | 74 |
| Net loans and leases to deposits | 101.4901% | 1,118 |
| Net loans and leases to core deposits | 126.6629% | 1,806 |
| Total domestic deposits to total assets | 90.0974% | 787 |
| Equity capital to assets | 8.3356% | 6,284 |
| Core capital (leverage) ratio | 8.3087% | 5,783 |
| Tier 1 risk-based capital ratio | 10.7063% | 6,175 |
| Total risk-based capital ratio | 11.7648% | 6,311 |
| Memoranda: | ||
| Average total assets | $244,119,000 | 2,714 |
| Average earning assets | $228,712,330 | 2,645 |
| Average equity | $20,347,670 | 3,195 |
| Average total loans | $226,394,000 | 2,109 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3640% | 1,147 |
| Cost of funding earning assets | 2.1968% | 3,181 |
| Net interest margin | 4.1672% | 2,026 |
| Noninterest income to average assets | 0.8397% | 2,127 |
| Noninterest expense to average assets | 3.3110% | 2,631 |
| Loan and lease loss provision to assets | 0.2465% | 4,005 |
| Net operating income to assets | 0.7131% | 3,494 |
| Return on assets (ROA) | 0.7131% | 3,687 |
| Pretax return on assets | 1.1847% | 2,672 |
| Return on Equity (ROE) | 8.5561% | 2,905 |
| Retained earnings to average equity (ytd only) | 4.5147% | 3,417 |
| Net charge-offs to loans | 0.2032% | 3,416 |
| Credit loss provision to net charge-offs | 130.4348% | 3,071 |
| Earnings coverage of net charge-offs (x) | 7.5739% | 2,325 |
| Efficiency ratio | 69.5080% | 4,676 |
| Assets per employee ($millions) | 2.8609% | 6,502 |
| Cash dividends to net income (ytd only)* | 47.2350% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9197% | 6,654 |
| Loan loss allowance to noncurrent loans | 78.1402% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 1.7925% | 3,235 |
| Noncurrent loans to loans | 1.1770% | 4,627 |
| Net loans and leases to total assets | 92.3208% | 59 |
| Net loans and leases to deposits | 107.0229% | 784 |
| Net loans and leases to core deposits | 134.1333% | 1,409 |
| Total domestic deposits to total assets | 86.2627% | 2,578 |
| Equity capital to assets | 8.3931% | 6,242 |
| Core capital (leverage) ratio | 8.2864% | 5,928 |
| Tier 1 risk-based capital ratio | 10.6504% | 6,235 |
| Total risk-based capital ratio | 11.7500% | 6,303 |
| Memoranda: | ||
| Average total assets | $243,428,000 | 2,730 |
| Average earning assets | $227,971,000 | 2,663 |
| Average equity | $20,289,500 | 3,222 |
| Average total loans | $226,348,000 | 2,132 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0164% | 1,098 |
| Cost of funding earning assets | 2.7861% | 2,765 |
| Net interest margin | 4.2302% | 2,192 |
| Noninterest income to average assets | 0.9794% | 1,650 |
| Noninterest expense to average assets | 3.4469% | 2,537 |
| Loan and lease loss provision to assets | 0.3493% | 3,603 |
| Net operating income to assets | 0.7152% | 3,826 |
| Return on assets (ROA) | 0.7152% | 3,658 |
| Pretax return on assets | 1.1404% | 2,874 |
| Return on Equity (ROE) | 8.3184% | 2,935 |
| Retained earnings to average equity (ytd only) | 4.1643% | 2,537 |
| Net charge-offs to loans | 0.2771% | 3,550 |
| Credit loss provision to net charge-offs | 135.7504% | 3,928 |
| Earnings coverage of net charge-offs (x) | 5.7892% | 3,534 |
| Efficiency ratio | 69.5148% | 4,445 |
| Assets per employee ($millions) | 2.8009% | 6,553 |
| Cash dividends to net income (ytd only)* | 49.9393% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9062% | 6,641 |
| Loan loss allowance to noncurrent loans | 136.1462% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 1.1770% | 3,904 |
| Noncurrent loans to loans | 0.6656% | 5,372 |
| Net loans and leases to total assets | 91.9488% | 86 |
| Net loans and leases to deposits | 111.1227% | 758 |
| Net loans and leases to core deposits | 139.4362% | 1,295 |
| Total domestic deposits to total assets | 82.7453% | 3,880 |
| Equity capital to assets | 8.2769% | 6,448 |
| Core capital (leverage) ratio | 8.6456% | 5,293 |
| Tier 1 risk-based capital ratio | 10.4633% | 6,244 |
| Total risk-based capital ratio | 11.5384% | 6,306 |
| Memoranda: | ||
| Average total assets | $230,437,400 | 2,761 |
| Average earning assets | $215,567,200 | 2,701 |
| Average equity | $19,811,400 | 3,261 |
| Average total loans | $214,023,400 | 2,176 |