Home > AuburnBank > Performance and Condition Ratios
AuburnBank, 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 | 3.7917% | 4,189 |
| Cost of funding earning assets | 0.8860% | 3,550 |
| Net interest margin | 2.9057% | 3,474 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.2042% | 3,120 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.7778% | 2,945 |
| Return on assets (ROA) | 0.1574% | 4,231 |
| Pretax return on assets | 0.0838% | 4,288 |
| Return on Equity (ROE) | 2.3400% | 4,116 |
| Retained earnings to average equity (ytd only) | -3.1918% | 4,338 |
| Net charge-offs to loans | 0.0087% | 2,331 |
| Credit loss provision to net charge-offs | 271.7391% | 1,013 |
| Earnings coverage of net charge-offs (x) | 158.2609% | 686 |
| Efficiency ratio | 75.4436% | 1,300 |
| Assets per employee ($millions) | 6.3460% | 2,517 |
| Cash dividends to net income (ytd only)* | 236.4433% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 2,104 |
| Loan loss allowance to noncurrent loans | 752.5219% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.0933% | 2,901 |
| Noncurrent loans to loans | 0.1636% | 2,701 |
| Net loans and leases to total assets | 56.3200% | 3,165 |
| Net loans and leases to deposits | 61.3280% | 3,451 |
| Net loans and leases to core deposits | 68.8200% | 3,363 |
| Total domestic deposits to total assets | 91.8400% | 331 |
| Equity capital to assets | 7.6598% | 3,626 |
| Core capital (leverage) ratio | 9.7244% | 3,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5200% | 1,391 |
| Memoranda: | ||
| Average total assets | $1,014,720,800 | 974 |
| Average earning assets | $908,165,600 | 987 |
| Average equity | $68,268,200 | 1,274 |
| Average total loans | $526,562,800 | 1,186 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6732% | 4,242 |
| Cost of funding earning assets | 0.7260% | 3,706 |
| Net interest margin | 2.9472% | 3,437 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.1638% | 3,168 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 0.7200% | 3,258 |
| Return on assets (ROA) | 0.7200% | 3,245 |
| Pretax return on assets | 0.8189% | 3,290 |
| Return on Equity (ROE) | 11.0700% | 2,357 |
| Retained earnings to average equity (ytd only) | 5.3976% | 2,808 |
| Net charge-offs to loans | -0.0326% | 4,267 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.1546% | 1,434 |
| Assets per employee ($millions) | 6.6895% | 2,191 |
| Cash dividends to net income (ytd only)* | 51.2297% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 2,154 |
| Loan loss allowance to noncurrent loans | 558.3196% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.1178% | 2,781 |
| Noncurrent loans to loans | 0.2225% | 2,461 |
| Net loans and leases to total assets | 52.3000% | 3,479 |
| Net loans and leases to deposits | 55.7853% | 3,722 |
| Net loans and leases to core deposits | 65.3457% | 3,463 |
| Total domestic deposits to total assets | 93.7600% | 210 |
| Equity capital to assets | 5.7999% | 4,051 |
| Core capital (leverage) ratio | 10.2634% | 2,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9792% | 1,323 |
| Memoranda: | ||
| Average total assets | $1,024,078,750 | 967 |
| Average earning assets | $918,811,250 | 979 |
| Average equity | $66,620,750 | 1,290 |
| Average total loans | $518,880,000 | 1,198 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6338% | 4,218 |
| Cost of funding earning assets | 0.5741% | 3,817 |
| Net interest margin | 3.0597% | 3,302 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.2126% | 3,035 |
| Loan and lease loss provision to assets | -0.0600% | 4,518 |
| Net operating income to assets | 0.7824% | 3,137 |
| Return on assets (ROA) | 0.7824% | 3,149 |
| Pretax return on assets | 0.8941% | 3,179 |
| Return on Equity (ROE) | 11.6000% | 2,272 |
| Retained earnings to average equity (ytd only) | 6.1180% | 2,580 |
| Net charge-offs to loans | -0.0553% | 4,395 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.5738% | 1,499 |
| Assets per employee ($millions) | 6.6596% | 2,162 |
| Cash dividends to net income (ytd only)* | 47.2736% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 2,040 |
| Loan loss allowance to noncurrent loans | 576.8696% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.1121% | 2,753 |
| Noncurrent loans to loans | 0.2210% | 2,382 |
| Net loans and leases to total assets | 50.1000% | 3,555 |
| Net loans and leases to deposits | 53.9568% | 3,747 |
| Net loans and leases to core deposits | 59.5586% | 3,657 |
| Total domestic deposits to total assets | 92.8500% | 274 |
| Equity capital to assets | 6.7379% | 3,902 |
| Core capital (leverage) ratio | 10.2289% | 2,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3044% | 1,264 |
| Memoranda: | ||
| Average total assets | $1,022,043,333 | 951 |
| Average earning assets | $916,621,667 | 974 |
| Average equity | $68,911,000 | 1,253 |
| Average total loans | $509,970,000 | 1,192 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5994% | 4,154 |
| Cost of funding earning assets | 0.4921% | 3,717 |
| Net interest margin | 3.1073% | 3,333 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.1806% | 3,146 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.7841% | 3,243 |
| Return on assets (ROA) | 0.7841% | 3,192 |
| Pretax return on assets | 0.8907% | 3,267 |
| Return on Equity (ROE) | 11.6300% | 2,312 |
| Retained earnings to average equity (ytd only) | 6.1323% | 2,726 |
| Net charge-offs to loans | 0.0024% | 1,942 |
| Credit loss provision to net charge-offs | 1,333.3333% | 304 |
| Earnings coverage of net charge-offs (x) | 779.3333% | 142 |
| Efficiency ratio | 70.4051% | 1,711 |
| Assets per employee ($millions) | 6.7364% | 2,160 |
| Cash dividends to net income (ytd only)* | 47.2500% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 1,816 |
| Loan loss allowance to noncurrent loans | 254.5149% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.2635% | 1,822 |
| Noncurrent loans to loans | 0.5306% | 1,394 |
| Net loans and leases to total assets | 48.9800% | 3,569 |
| Net loans and leases to deposits | 52.9588% | 3,738 |
| Net loans and leases to core deposits | 56.7559% | 3,704 |
| Total domestic deposits to total assets | 92.4900% | 400 |
| Equity capital to assets | 7.0453% | 3,808 |
| Core capital (leverage) ratio | 10.0748% | 2,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4827% | 1,268 |
| Memoranda: | ||
| Average total assets | $1,020,278,000 | 969 |
| Average earning assets | $916,164,000 | 992 |
| Average equity | $68,815,500 | 1,263 |
| Average total loans | $504,749,500 | 1,219 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0441% | 4,080 |
| Cost of funding earning assets | 0.2447% | 3,365 |
| Net interest margin | 2.7993% | 3,896 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 1.8440% | 3,942 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.9825% | 2,632 |
| Return on assets (ROA) | 0.9834% | 2,580 |
| Pretax return on assets | 1.2213% | 2,367 |
| Return on Equity (ROE) | 13.8100% | 1,572 |
| Retained earnings to average equity (ytd only) | 8.9380% | 1,496 |
| Net charge-offs to loans | 0.0377% | 1,342 |
| Credit loss provision to net charge-offs | 574.7126% | 624 |
| Earnings coverage of net charge-offs (x) | 80.9540% | 1,080 |
| Efficiency ratio | 58.4030% | 3,279 |
| Assets per employee ($millions) | 6.8224% | 2,099 |
| Cash dividends to net income (ytd only)* | 35.2612% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1428% | 2,682 |
| Loan loss allowance to noncurrent loans | 211.0948% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.2669% | 1,823 |
| Noncurrent loans to loans | 0.5414% | 1,362 |
| Net loans and leases to total assets | 48.7300% | 3,608 |
| Net loans and leases to deposits | 52.3817% | 3,774 |
| Net loans and leases to core deposits | 55.7399% | 3,731 |
| Total domestic deposits to total assets | 93.0300% | 401 |
| Equity capital to assets | 6.4461% | 3,918 |
| Core capital (leverage) ratio | 10.0091% | 2,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2496% | 1,303 |
| Memoranda: | ||
| Average total assets | $1,072,478,800 | 922 |
| Average earning assets | $972,121,000 | 930 |
| Average equity | $76,392,600 | 1,171 |
| Average total loans | $461,897,800 | 1,250 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8963% | 4,064 |
| Cost of funding earning assets | 0.2268% | 2,968 |
| Net interest margin | 2.6695% | 3,992 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 1.8897% | 3,771 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7286% | 3,484 |
| Return on assets (ROA) | 0.7332% | 3,420 |
| Pretax return on assets | 0.8636% | 3,438 |
| Return on Equity (ROE) | 10.0700% | 2,700 |
| Retained earnings to average equity (ytd only) | 5.3569% | 2,974 |
| Net charge-offs to loans | -0.0080% | 3,624 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.7690% | 1,919 |
| Assets per employee ($millions) | 6.7657% | 2,122 |
| Cash dividends to net income (ytd only)* | 46.7896% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 3,266 |
| Loan loss allowance to noncurrent loans | 1,431.1239% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 3,584 |
| Noncurrent loans to loans | 0.0732% | 3,351 |
| Net loans and leases to total assets | 45.0200% | 3,816 |
| Net loans and leases to deposits | 47.8776% | 3,957 |
| Net loans and leases to core deposits | 50.4817% | 3,925 |
| Total domestic deposits to total assets | 94.0300% | 350 |
| Equity capital to assets | 5.5244% | 4,127 |
| Core capital (leverage) ratio | 9.2877% | 3,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1617% | 1,380 |
| Memoranda: | ||
| Average total assets | $1,084,757,000 | 917 |
| Average earning assets | $985,240,500 | 924 |
| Average equity | $78,999,000 | 1,158 |
| Average total loans | $451,257,750 | 1,262 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7117% | 4,125 |
| Cost of funding earning assets | 0.2285% | 2,526 |
| Net interest margin | 2.4831% | 4,110 |
| Noninterest income to average assets | 0.3390% | 3,124 |
| Noninterest expense to average assets | 1.8225% | 3,899 |
| Loan and lease loss provision to assets | -0.0455% | 4,505 |
| Net operating income to assets | 0.7164% | 3,253 |
| Return on assets (ROA) | 0.7164% | 3,206 |
| Pretax return on assets | 0.8298% | 3,251 |
| Return on Equity (ROE) | 9.1403% | 2,651 |
| Retained earnings to average equity (ytd only) | 4.8174% | 2,779 |
| Net charge-offs to loans | -0.0122% | 3,657 |
| Credit loss provision to net charge-offs | 925.9259% | 427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9127% | 1,972 |
| Assets per employee ($millions) | 7.0363% | 1,914 |
| Cash dividends to net income (ytd only)* | 47.2949% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 3,289 |
| Loan loss allowance to noncurrent loans | 1,313.6490% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 3,650 |
| Noncurrent loans to loans | 0.0812% | 3,375 |
| Net loans and leases to total assets | 40.3423% | 4,058 |
| Net loans and leases to deposits | 43.5137% | 4,127 |
| Net loans and leases to core deposits | 46.0593% | 4,120 |
| Total domestic deposits to total assets | 92.7117% | 584 |
| Equity capital to assets | 6.8029% | 3,874 |
| Core capital (leverage) ratio | 9.1554% | 3,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3773% | 1,105 |
| Memoranda: | ||
| Average total assets | $1,099,038,333 | 905 |
| Average earning assets | $1,003,735,333 | 910 |
| Average equity | $86,145,667 | 1,095 |
| Average total loans | $443,665,333 | 1,275 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6275% | 4,074 |
| Cost of funding earning assets | 0.2320% | 2,369 |
| Net interest margin | 2.3956% | 4,078 |
| Noninterest income to average assets | 0.3018% | 3,304 |
| Noninterest expense to average assets | 1.7402% | 4,071 |
| Loan and lease loss provision to assets | -0.0904% | 4,581 |
| Net operating income to assets | 0.7579% | 2,820 |
| Return on assets (ROA) | 0.7579% | 2,814 |
| Pretax return on assets | 0.8504% | 2,937 |
| Return on Equity (ROE) | 9.0818% | 2,288 |
| Retained earnings to average equity (ytd only) | 5.0454% | 2,579 |
| Net charge-offs to loans | 0.0279% | 1,039 |
| Credit loss provision to net charge-offs | -806.4516% | 3,236 |
| Earnings coverage of net charge-offs (x) | 67.8387% | 808 |
| Efficiency ratio | 69.6010% | 2,289 |
| Assets per employee ($millions) | 7.2013% | 1,857 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 3,395 |
| Loan loss allowance to noncurrent loans | 1,255.5256% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.0672% | 3,390 |
| Noncurrent loans to loans | 0.0864% | 3,408 |
| Net loans and leases to total assets | 38.2989% | 4,106 |
| Net loans and leases to deposits | 41.6438% | 4,174 |
| Net loans and leases to core deposits | 44.1755% | 4,155 |
| Total domestic deposits to total assets | 91.9679% | 587 |
| Equity capital to assets | 7.5536% | 3,899 |
| Core capital (leverage) ratio | 9.0935% | 3,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0835% | 1,026 |
| Memoranda: | ||
| Average total assets | $1,106,762,500 | 906 |
| Average earning assets | $1,015,714,500 | 911 |
| Average equity | $92,360,500 | 1,056 |
| Average total loans | $444,567,500 | 1,264 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7774% | 4,232 |
| Cost of funding earning assets | 0.2633% | 2,771 |
| Net interest margin | 2.5141% | 4,172 |
| Noninterest income to average assets | 0.3902% | 3,100 |
| Noninterest expense to average assets | 1.9112% | 3,902 |
| Loan and lease loss provision to assets | -0.0582% | 4,394 |
| Net operating income to assets | 0.7403% | 3,518 |
| Return on assets (ROA) | 0.7415% | 3,574 |
| Pretax return on assets | 0.8699% | 3,568 |
| Return on Equity (ROE) | 7.5164% | 3,370 |
| Retained earnings to average equity (ytd only) | 3.8964% | 3,258 |
| Net charge-offs to loans | 0.0172% | 1,941 |
| Credit loss provision to net charge-offs | -759.4937% | 3,860 |
| Earnings coverage of net charge-offs (x) | 105.7468% | 856 |
| Efficiency ratio | 70.2260% | 1,707 |
| Assets per employee ($millions) | 7.2666% | 1,755 |
| Cash dividends to net income (ytd only)* | 48.1622% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 3,460 |
| Loan loss allowance to noncurrent loans | 1,112.3874% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 3,436 |
| Noncurrent loans to loans | 0.0966% | 3,443 |
| Net loans and leases to total assets | 41.1763% | 4,019 |
| Net loans and leases to deposits | 45.6194% | 4,113 |
| Net loans and leases to core deposits | 48.4498% | 4,078 |
| Total domestic deposits to total assets | 90.2605% | 839 |
| Equity capital to assets | 9.1398% | 3,470 |
| Core capital (leverage) ratio | 9.3497% | 3,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0582% | 1,253 |
| Memoranda: | ||
| Average total assets | $1,030,987,000 | 940 |
| Average earning assets | $955,998,400 | 939 |
| Average equity | $101,710,400 | 999 |
| Average total loans | $460,035,200 | 1,239 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8232% | 4,273 |
| Cost of funding earning assets | 0.2713% | 2,880 |
| Net interest margin | 2.5519% | 4,202 |
| Noninterest income to average assets | 0.4057% | 3,053 |
| Noninterest expense to average assets | 1.9321% | 3,863 |
| Loan and lease loss provision to assets | -0.0790% | 4,548 |
| Net operating income to assets | 0.7586% | 3,631 |
| Return on assets (ROA) | 0.7603% | 3,687 |
| Pretax return on assets | 0.9224% | 3,648 |
| Return on Equity (ROE) | 7.5549% | 3,517 |
| Retained earnings to average equity (ytd only) | 3.9345% | 3,597 |
| Net charge-offs to loans | -0.0293% | 4,121 |
| Credit loss provision to net charge-offs | 594.0594% | 709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6639% | 1,638 |
| Assets per employee ($millions) | 6.9170% | 1,926 |
| Cash dividends to net income (ytd only)* | 47.9217% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 3,299 |
| Loan loss allowance to noncurrent loans | 922.3423% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 3,796 |
| Noncurrent loans to loans | 0.1223% | 3,485 |
| Net loans and leases to total assets | 42.1218% | 4,085 |
| Net loans and leases to deposits | 46.8374% | 4,192 |
| Net loans and leases to core deposits | 49.7628% | 4,155 |
| Total domestic deposits to total assets | 89.9319% | 802 |
| Equity capital to assets | 9.5620% | 3,321 |
| Core capital (leverage) ratio | 9.5680% | 2,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7180% | 1,187 |
| Memoranda: | ||
| Average total assets | $1,012,603,000 | 968 |
| Average earning assets | $939,562,500 | 965 |
| Average equity | $101,900,250 | 1,016 |
| Average total loans | $460,108,750 | 1,259 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8556% | 4,278 |
| Cost of funding earning assets | 0.2784% | 3,001 |
| Net interest margin | 2.5772% | 4,201 |
| Noninterest income to average assets | 0.4488% | 2,850 |
| Noninterest expense to average assets | 1.9786% | 3,765 |
| Loan and lease loss provision to assets | -0.1206% | 4,659 |
| Net operating income to assets | 0.8116% | 3,474 |
| Return on assets (ROA) | 0.8116% | 3,545 |
| Pretax return on assets | 0.9875% | 3,472 |
| Return on Equity (ROE) | 7.9243% | 3,429 |
| Retained earnings to average equity (ytd only) | 4.2957% | 3,425 |
| Net charge-offs to loans | -0.0385% | 4,256 |
| Credit loss provision to net charge-offs | 674.1573% | 587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5345% | 1,699 |
| Assets per employee ($millions) | 6.7256% | 2,004 |
| Cash dividends to net income (ytd only)* | 45.7900% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 3,358 |
| Loan loss allowance to noncurrent loans | 813.2166% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 3,824 |
| Noncurrent loans to loans | 0.1370% | 3,509 |
| Net loans and leases to total assets | 43.7602% | 4,053 |
| Net loans and leases to deposits | 48.8924% | 4,167 |
| Net loans and leases to core deposits | 52.0555% | 4,130 |
| Total domestic deposits to total assets | 89.5032% | 1,025 |
| Equity capital to assets | 9.9003% | 2,941 |
| Core capital (leverage) ratio | 9.8072% | 2,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9315% | 1,137 |
| Memoranda: | ||
| Average total assets | $995,063,667 | 971 |
| Average earning assets | $925,355,000 | 970 |
| Average equity | $101,915,000 | 1,009 |
| Average total loans | $462,208,667 | 1,263 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9147% | 4,233 |
| Cost of funding earning assets | 0.2957% | 3,039 |
| Net interest margin | 2.6190% | 4,115 |
| Noninterest income to average assets | 0.4703% | 2,752 |
| Noninterest expense to average assets | 1.9805% | 3,779 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7674% | 3,525 |
| Return on assets (ROA) | 0.7674% | 3,596 |
| Pretax return on assets | 0.9291% | 3,540 |
| Return on Equity (ROE) | 7.3621% | 3,509 |
| Retained earnings to average equity (ytd only) | 3.7125% | 3,588 |
| Net charge-offs to loans | -0.0552% | 4,432 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0677% | 1,925 |
| Assets per employee ($millions) | 6.3651% | 2,283 |
| Cash dividends to net income (ytd only)* | 49.5722% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 2,781 |
| Loan loss allowance to noncurrent loans | 725.6705% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 3,818 |
| Noncurrent loans to loans | 0.1691% | 3,501 |
| Net loans and leases to total assets | 46.0723% | 3,953 |
| Net loans and leases to deposits | 51.7102% | 4,061 |
| Net loans and leases to core deposits | 55.1415% | 4,035 |
| Total domestic deposits to total assets | 89.0970% | 1,287 |
| Equity capital to assets | 10.0213% | 2,687 |
| Core capital (leverage) ratio | 9.9885% | 2,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2512% | 1,032 |
| Memoranda: | ||
| Average total assets | $974,723,500 | 975 |
| Average earning assets | $907,813,500 | 972 |
| Average equity | $101,601,500 | 1,001 |
| Average total loans | $464,137,500 | 1,256 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3461% | 4,267 |
| Cost of funding earning assets | 0.4565% | 3,248 |
| Net interest margin | 2.8896% | 4,127 |
| Noninterest income to average assets | 0.5666% | 2,349 |
| Noninterest expense to average assets | 2.2196% | 3,623 |
| Loan and lease loss provision to assets | 0.1216% | 2,845 |
| Net operating income to assets | 0.7596% | 3,240 |
| Return on assets (ROA) | 0.7690% | 3,329 |
| Pretax return on assets | 0.9342% | 3,270 |
| Return on Equity (ROE) | 6.9228% | 3,234 |
| Retained earnings to average equity (ytd only) | 3.3022% | 3,178 |
| Net charge-offs to loans | -0.0285% | 4,516 |
| Credit loss provision to net charge-offs | -833.3333% | 4,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0011% | 2,235 |
| Assets per employee ($millions) | 6.2110% | 2,157 |
| Cash dividends to net income (ytd only)* | 52.3002% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 2,903 |
| Loan loss allowance to noncurrent loans | 763.3152% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.0769% | 3,950 |
| Noncurrent loans to loans | 0.1582% | 3,647 |
| Net loans and leases to total assets | 48.0399% | 3,971 |
| Net loans and leases to deposits | 54.4534% | 4,088 |
| Net loans and leases to core deposits | 58.2717% | 4,036 |
| Total domestic deposits to total assets | 88.2221% | 1,366 |
| Equity capital to assets | 10.8412% | 2,393 |
| Core capital (leverage) ratio | 10.3154% | 2,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3125% | 997 |
| Memoranda: | ||
| Average total assets | $904,585,600 | 964 |
| Average earning assets | $844,445,800 | 960 |
| Average equity | $100,479,000 | 956 |
| Average total loans | $463,552,600 | 1,197 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3961% | 4,353 |
| Cost of funding earning assets | 0.4823% | 3,343 |
| Net interest margin | 2.9139% | 4,156 |
| Noninterest income to average assets | 0.5626% | 2,337 |
| Noninterest expense to average assets | 2.2268% | 3,613 |
| Loan and lease loss provision to assets | 0.1645% | 2,354 |
| Net operating income to assets | 0.7349% | 3,338 |
| Return on assets (ROA) | 0.7475% | 3,398 |
| Pretax return on assets | 0.9073% | 3,363 |
| Return on Equity (ROE) | 6.6869% | 3,315 |
| Retained earnings to average equity (ytd only) | 3.0378% | 3,506 |
| Net charge-offs to loans | -0.0256% | 4,481 |
| Credit loss provision to net charge-offs | -1,235.9551% | 3,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8251% | 2,214 |
| Assets per employee ($millions) | 5.9742% | 2,291 |
| Cash dividends to net income (ytd only)* | 54.5709% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 2,847 |
| Loan loss allowance to noncurrent loans | 899.1935% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 4,109 |
| Noncurrent loans to loans | 0.1299% | 3,865 |
| Net loans and leases to total assets | 50.2843% | 4,085 |
| Net loans and leases to deposits | 56.9596% | 4,214 |
| Net loans and leases to core deposits | 61.0488% | 4,154 |
| Total domestic deposits to total assets | 88.2806% | 1,070 |
| Equity capital to assets | 10.9193% | 2,457 |
| Core capital (leverage) ratio | 10.3772% | 2,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7700% | 944 |
| Memoranda: | ||
| Average total assets | $891,608,000 | 959 |
| Average earning assets | $832,461,250 | 953 |
| Average equity | $99,674,750 | 960 |
| Average total loans | $463,161,250 | 1,198 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5089% | 4,396 |
| Cost of funding earning assets | 0.4956% | 3,563 |
| Net interest margin | 3.0134% | 4,096 |
| Noninterest income to average assets | 0.5531% | 2,339 |
| Noninterest expense to average assets | 2.3035% | 3,506 |
| Loan and lease loss provision to assets | 0.1940% | 2,096 |
| Net operating income to assets | 0.7119% | 3,353 |
| Return on assets (ROA) | 0.7282% | 3,397 |
| Pretax return on assets | 0.8861% | 3,349 |
| Return on Equity (ROE) | 6.4601% | 3,343 |
| Retained earnings to average equity (ytd only) | 2.7764% | 3,468 |
| Net charge-offs to loans | -0.0314% | 4,559 |
| Credit loss provision to net charge-offs | -1,180.5556% | 3,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4786% | 2,171 |
| Assets per employee ($millions) | 6.1241% | 2,072 |
| Cash dividends to net income (ytd only)* | 57.0219% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 2,845 |
| Loan loss allowance to noncurrent loans | 729.1209% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 4,136 |
| Noncurrent loans to loans | 0.1559% | 3,831 |
| Net loans and leases to total assets | 48.9430% | 4,211 |
| Net loans and leases to deposits | 55.3549% | 4,321 |
| Net loans and leases to core deposits | 59.3651% | 4,295 |
| Total domestic deposits to total assets | 88.4167% | 983 |
| Equity capital to assets | 10.7660% | 2,518 |
| Core capital (leverage) ratio | 10.6243% | 2,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0423% | 899 |
| Memoranda: | ||
| Average total assets | $876,160,333 | 961 |
| Average earning assets | $817,229,000 | 955 |
| Average equity | $98,760,333 | 956 |
| Average total loans | $458,476,000 | 1,196 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6916% | 4,411 |
| Cost of funding earning assets | 0.5299% | 3,793 |
| Net interest margin | 3.1617% | 3,953 |
| Noninterest income to average assets | 0.5416% | 2,324 |
| Noninterest expense to average assets | 2.3643% | 3,616 |
| Loan and lease loss provision to assets | 0.1899% | 1,580 |
| Net operating income to assets | 0.7742% | 3,005 |
| Return on assets (ROA) | 0.7766% | 3,067 |
| Pretax return on assets | 0.9441% | 3,020 |
| Return on Equity (ROE) | 6.7205% | 3,058 |
| Retained earnings to average equity (ytd only) | 2.9865% | 3,089 |
| Net charge-offs to loans | -0.0713% | 4,738 |
| Credit loss provision to net charge-offs | -493.8272% | 3,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6399% | 2,732 |
| Assets per employee ($millions) | 5.1310% | 2,497 |
| Cash dividends to net income (ytd only)* | 55.5623% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 3,245 |
| Loan loss allowance to noncurrent loans | 4,055.8333% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 4,493 |
| Noncurrent loans to loans | 0.0269% | 4,459 |
| Net loans and leases to total assets | 51.4151% | 4,154 |
| Net loans and leases to deposits | 58.6691% | 4,264 |
| Net loans and leases to core deposits | 63.4692% | 4,201 |
| Total domestic deposits to total assets | 87.6357% | 1,257 |
| Equity capital to assets | 11.6595% | 2,322 |
| Core capital (leverage) ratio | 11.1711% | 2,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7176% | 1,026 |
| Memoranda: | ||
| Average total assets | $842,685,500 | 969 |
| Average earning assets | $787,296,000 | 955 |
| Average equity | $97,373,000 | 963 |
| Average total loans | $454,267,000 | 1,179 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9256% | 4,384 |
| Cost of funding earning assets | 0.5417% | 3,916 |
| Net interest margin | 3.3839% | 3,786 |
| Noninterest income to average assets | 0.6553% | 1,987 |
| Noninterest expense to average assets | 2.3763% | 3,746 |
| Loan and lease loss provision to assets | -0.0301% | 4,978 |
| Net operating income to assets | 1.1726% | 2,164 |
| Return on assets (ROA) | 1.1607% | 2,307 |
| Pretax return on assets | 1.4430% | 2,003 |
| Return on Equity (ROE) | 10.4806% | 2,091 |
| Retained earnings to average equity (ytd only) | 1.1531% | 4,333 |
| Net charge-offs to loans | 0.0326% | 2,734 |
| Credit loss provision to net charge-offs | -162.3377% | 4,271 |
| Earnings coverage of net charge-offs (x) | 76.9481% | 816 |
| Efficiency ratio | 62.4679% | 3,296 |
| Assets per employee ($millions) | 5.0828% | 2,476 |
| Cash dividends to net income (ytd only)* | 88.9973% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9471% | 3,758 |
| Loan loss allowance to noncurrent loans | 2,345.4545% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 4,547 |
| Noncurrent loans to loans | 0.0404% | 4,397 |
| Net loans and leases to total assets | 55.3676% | 3,965 |
| Net loans and leases to deposits | 62.9871% | 4,137 |
| Net loans and leases to core deposits | 68.3728% | 4,059 |
| Total domestic deposits to total assets | 87.9030% | 1,174 |
| Equity capital to assets | 11.4470% | 2,576 |
| Core capital (leverage) ratio | 11.2313% | 2,308 |
| Tier 1 risk-based capital ratio | 17.2793% | 1,973 |
| Total risk-based capital ratio | 18.1198% | 2,040 |
| Memoranda: | ||
| Average total assets | $829,981,200 | 943 |
| Average earning assets | $772,313,600 | 938 |
| Average equity | $91,922,600 | 962 |
| Average total loans | $471,722,600 | 1,129 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9598% | 4,439 |
| Cost of funding earning assets | 0.5361% | 3,994 |
| Net interest margin | 3.4236% | 3,796 |
| Noninterest income to average assets | 0.4661% | 2,920 |
| Noninterest expense to average assets | 2.2510% | 4,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1281% | 2,460 |
| Return on assets (ROA) | 1.1356% | 2,518 |
| Pretax return on assets | 1.4090% | 2,278 |
| Return on Equity (ROE) | 10.3396% | 2,275 |
| Retained earnings to average equity (ytd only) | 2.0308% | 4,260 |
| Net charge-offs to loans | -0.0048% | 4,194 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6572% | 3,379 |
| Assets per employee ($millions) | 5.0350% | 2,516 |
| Cash dividends to net income (ytd only)* | 80.3591% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0311% | 3,394 |
| Loan loss allowance to noncurrent loans | 1,793.6567% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 4,565 |
| Noncurrent loans to loans | 0.0575% | 4,377 |
| Net loans and leases to total assets | 55.8735% | 4,056 |
| Net loans and leases to deposits | 63.6197% | 4,200 |
| Net loans and leases to core deposits | 68.9859% | 4,105 |
| Total domestic deposits to total assets | 87.8242% | 1,120 |
| Equity capital to assets | 11.5473% | 2,632 |
| Core capital (leverage) ratio | 11.2199% | 2,451 |
| Tier 1 risk-based capital ratio | 17.0557% | 2,065 |
| Total risk-based capital ratio | 17.9595% | 2,119 |
| Memoranda: | ||
| Average total assets | $830,353,000 | 946 |
| Average earning assets | $772,419,500 | 939 |
| Average equity | $91,193,750 | 963 |
| Average total loans | $473,877,500 | 1,126 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9484% | 4,486 |
| Cost of funding earning assets | 0.5242% | 4,015 |
| Net interest margin | 3.4242% | 3,819 |
| Noninterest income to average assets | 0.4729% | 2,822 |
| Noninterest expense to average assets | 2.2099% | 4,202 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1673% | 2,269 |
| Return on assets (ROA) | 1.1699% | 2,335 |
| Pretax return on assets | 1.4526% | 2,019 |
| Return on Equity (ROE) | 10.8365% | 2,045 |
| Retained earnings to average equity (ytd only) | 0.1670% | 4,649 |
| Net charge-offs to loans | -0.0256% | 4,632 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3903% | 3,668 |
| Assets per employee ($millions) | 5.1539% | 2,298 |
| Cash dividends to net income (ytd only)* | 98.4587% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0147% | 3,532 |
| Loan loss allowance to noncurrent loans | 3,703.0534% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 4,505 |
| Noncurrent loans to loans | 0.0274% | 4,585 |
| Net loans and leases to total assets | 56.3309% | 4,056 |
| Net loans and leases to deposits | 63.7033% | 4,242 |
| Net loans and leases to core deposits | 69.2762% | 4,137 |
| Total domestic deposits to total assets | 88.4270% | 908 |
| Equity capital to assets | 11.0075% | 3,046 |
| Core capital (leverage) ratio | 11.1425% | 2,465 |
| Tier 1 risk-based capital ratio | 16.2555% | 2,309 |
| Total risk-based capital ratio | 17.1402% | 2,402 |
| Memoranda: | ||
| Average total assets | $831,889,330 | 939 |
| Average earning assets | $774,145,000 | 931 |
| Average equity | $89,808,000 | 972 |
| Average total loans | $476,443,670 | 1,125 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9745% | 4,422 |
| Cost of funding earning assets | 0.5310% | 3,913 |
| Net interest margin | 3.4435% | 3,767 |
| Noninterest income to average assets | 0.5388% | 2,347 |
| Noninterest expense to average assets | 2.2136% | 4,227 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2283% | 1,956 |
| Return on assets (ROA) | 1.2303% | 1,995 |
| Pretax return on assets | 1.5332% | 1,670 |
| Return on Equity (ROE) | 11.5105% | 1,732 |
| Retained earnings to average equity (ytd only) | -6.1124% | 4,978 |
| Net charge-offs to loans | -0.0151% | 4,384 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1173% | 3,937 |
| Assets per employee ($millions) | 5.2954% | 2,180 |
| Cash dividends to net income (ytd only)* | 153.1029% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0144% | 3,606 |
| Loan loss allowance to noncurrent loans | 2,844.9704% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 4,632 |
| Noncurrent loans to loans | 0.0357% | 4,611 |
| Net loans and leases to total assets | 56.0742% | 4,053 |
| Net loans and leases to deposits | 63.1968% | 4,235 |
| Net loans and leases to core deposits | 68.4943% | 4,152 |
| Total domestic deposits to total assets | 88.7295% | 984 |
| Equity capital to assets | 10.6370% | 3,215 |
| Core capital (leverage) ratio | 10.8663% | 2,696 |
| Tier 1 risk-based capital ratio | 16.1492% | 2,373 |
| Total risk-based capital ratio | 17.0356% | 2,465 |
| Memoranda: | ||
| Average total assets | $827,792,500 | 952 |
| Average earning assets | $770,612,500 | 935 |
| Average equity | $88,476,000 | 981 |
| Average total loans | $475,627,000 | 1,134 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8085% | 4,471 |
| Cost of funding earning assets | 0.4710% | 3,547 |
| Net interest margin | 3.3376% | 4,159 |
| Noninterest income to average assets | 0.3859% | 3,524 |
| Noninterest expense to average assets | 2.1461% | 4,456 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0837% | 2,665 |
| Return on assets (ROA) | 1.0837% | 2,660 |
| Pretax return on assets | 1.3521% | 2,309 |
| Return on Equity (ROE) | 10.3375% | 2,376 |
| Retained earnings to average equity (ytd only) | 2.7875% | 4,004 |
| Net charge-offs to loans | -0.0072% | 4,417 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3493% | 3,645 |
| Assets per employee ($millions) | 5.1182% | 2,362 |
| Cash dividends to net income (ytd only)* | 73.0352% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 3,662 |
| Loan loss allowance to noncurrent loans | 2,675.9777% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 4,635 |
| Noncurrent loans to loans | 0.0375% | 4,596 |
| Net loans and leases to total assets | 57.6983% | 3,997 |
| Net loans and leases to deposits | 65.0708% | 4,179 |
| Net loans and leases to core deposits | 72.1286% | 3,983 |
| Total domestic deposits to total assets | 88.6700% | 994 |
| Equity capital to assets | 10.7405% | 2,940 |
| Core capital (leverage) ratio | 11.3344% | 2,237 |
| Tier 1 risk-based capital ratio | 16.4916% | 2,241 |
| Total risk-based capital ratio | 17.3802% | 2,306 |
| Memoranda: | ||
| Average total assets | $825,413,000 | 929 |
| Average earning assets | $769,694,000 | 917 |
| Average equity | $86,529,600 | 966 |
| Average total loans | $459,595,200 | 1,131 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7639% | 4,516 |
| Cost of funding earning assets | 0.4577% | 3,473 |
| Net interest margin | 3.3061% | 4,259 |
| Noninterest income to average assets | 0.3839% | 3,579 |
| Noninterest expense to average assets | 2.1496% | 4,427 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0551% | 2,850 |
| Return on assets (ROA) | 1.0551% | 2,860 |
| Pretax return on assets | 1.3165% | 2,555 |
| Return on Equity (ROE) | 10.1267% | 2,563 |
| Retained earnings to average equity (ytd only) | 1.3724% | 4,754 |
| Net charge-offs to loans | -0.0082% | 4,343 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0186% | 3,507 |
| Assets per employee ($millions) | 5.1253% | 2,307 |
| Cash dividends to net income (ytd only)* | 86.4476% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0360% | 3,554 |
| Loan loss allowance to noncurrent loans | 512.3126% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.1323% | 4,295 |
| Noncurrent loans to loans | 0.2022% | 3,991 |
| Net loans and leases to total assets | 56.4451% | 4,175 |
| Net loans and leases to deposits | 63.3740% | 4,366 |
| Net loans and leases to core deposits | 70.2054% | 4,182 |
| Total domestic deposits to total assets | 89.0666% | 827 |
| Equity capital to assets | 10.4174% | 3,220 |
| Core capital (leverage) ratio | 11.0144% | 2,563 |
| Tier 1 risk-based capital ratio | 16.3136% | 2,331 |
| Total risk-based capital ratio | 17.2107% | 2,401 |
| Memoranda: | ||
| Average total assets | $827,037,000 | 924 |
| Average earning assets | $771,033,750 | 910 |
| Average equity | $86,173,000 | 966 |
| Average total loans | $455,171,250 | 1,141 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7069% | 4,566 |
| Cost of funding earning assets | 0.4434% | 3,395 |
| Net interest margin | 3.2634% | 4,350 |
| Noninterest income to average assets | 0.3910% | 3,546 |
| Noninterest expense to average assets | 2.0702% | 4,677 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0946% | 2,604 |
| Return on assets (ROA) | 1.0946% | 2,612 |
| Pretax return on assets | 1.3663% | 2,270 |
| Return on Equity (ROE) | 10.5050% | 2,328 |
| Retained earnings to average equity (ytd only) | -0.5186% | 5,030 |
| Net charge-offs to loans | 0.0031% | 3,074 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 812.7143% | 100 |
| Efficiency ratio | 60.2418% | 3,903 |
| Assets per employee ($millions) | 5.1433% | 2,247 |
| Cash dividends to net income (ytd only)* | 104.9364% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0360% | 3,617 |
| Loan loss allowance to noncurrent loans | 430.6437% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 4,226 |
| Noncurrent loans to loans | 0.2406% | 3,839 |
| Net loans and leases to total assets | 55.8384% | 4,178 |
| Net loans and leases to deposits | 62.7652% | 4,374 |
| Net loans and leases to core deposits | 69.4273% | 4,177 |
| Total domestic deposits to total assets | 88.9639% | 950 |
| Equity capital to assets | 10.4156% | 3,195 |
| Core capital (leverage) ratio | 10.7951% | 2,708 |
| Tier 1 risk-based capital ratio | 16.1713% | 2,380 |
| Total risk-based capital ratio | 17.0653% | 2,449 |
| Memoranda: | ||
| Average total assets | $832,784,000 | 912 |
| Average earning assets | $777,154,000 | 905 |
| Average equity | $86,777,330 | 963 |
| Average total loans | $452,936,670 | 1,139 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6557% | 4,579 |
| Cost of funding earning assets | 0.4445% | 3,251 |
| Net interest margin | 3.2112% | 4,424 |
| Noninterest income to average assets | 0.3911% | 3,531 |
| Noninterest expense to average assets | 2.0701% | 4,724 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0631% | 2,592 |
| Return on assets (ROA) | 1.0631% | 2,603 |
| Pretax return on assets | 1.3245% | 2,272 |
| Return on Equity (ROE) | 10.1997% | 2,335 |
| Retained earnings to average equity (ytd only) | 6.0606% | 2,686 |
| Net charge-offs to loans | 0.0222% | 2,060 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 111.6400% | 562 |
| Efficiency ratio | 60.9814% | 3,947 |
| Assets per employee ($millions) | 5.3984% | 2,033 |
| Cash dividends to net income (ytd only)* | 40.5804% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 3,578 |
| Loan loss allowance to noncurrent loans | 146.0494% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.3897% | 3,282 |
| Noncurrent loans to loans | 0.7285% | 2,389 |
| Net loans and leases to total assets | 52.9243% | 4,377 |
| Net loans and leases to deposits | 59.5806% | 4,503 |
| Net loans and leases to core deposits | 65.6993% | 4,331 |
| Total domestic deposits to total assets | 88.8280% | 1,192 |
| Equity capital to assets | 10.4589% | 3,119 |
| Core capital (leverage) ratio | 10.7723% | 2,661 |
| Tier 1 risk-based capital ratio | 17.2124% | 2,053 |
| Total risk-based capital ratio | 18.1416% | 2,100 |
| Memoranda: | ||
| Average total assets | $842,856,000 | 909 |
| Average earning assets | $788,365,000 | 892 |
| Average equity | $87,845,500 | 955 |
| Average total loans | $450,147,500 | 1,152 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5905% | 4,591 |
| Cost of funding earning assets | 0.4421% | 2,856 |
| Net interest margin | 3.1484% | 4,582 |
| Noninterest income to average assets | 0.3909% | 3,700 |
| Noninterest expense to average assets | 1.9839% | 4,985 |
| Loan and lease loss provision to assets | -0.0357% | 5,367 |
| Net operating income to assets | 0.9485% | 2,460 |
| Return on assets (ROA) | 0.9527% | 2,466 |
| Pretax return on assets | 1.3930% | 2,020 |
| Return on Equity (ROE) | 9.2290% | 2,200 |
| Retained earnings to average equity (ytd only) | 5.2228% | 1,985 |
| Net charge-offs to loans | -0.0937% | 5,355 |
| Credit loss provision to net charge-offs | 72.4638% | 3,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4849% | 4,338 |
| Assets per employee ($millions) | 5.5478% | 1,891 |
| Cash dividends to net income (ytd only)* | 43.4092% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0442% | 3,660 |
| Loan loss allowance to noncurrent loans | 160.0606% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.3479% | 3,474 |
| Noncurrent loans to loans | 0.6524% | 2,587 |
| Net loans and leases to total assets | 52.7669% | 4,464 |
| Net loans and leases to deposits | 59.4096% | 4,604 |
| Net loans and leases to core deposits | 65.1468% | 4,466 |
| Total domestic deposits to total assets | 88.8188% | 1,074 |
| Equity capital to assets | 10.3868% | 3,283 |
| Core capital (leverage) ratio | 10.8215% | 2,515 |
| Tier 1 risk-based capital ratio | 16.7370% | 2,180 |
| Total risk-based capital ratio | 17.6596% | 2,227 |
| Memoranda: | ||
| Average total assets | $839,325,600 | 889 |
| Average earning assets | $784,887,000 | 880 |
| Average equity | $86,640,000 | 943 |
| Average total loans | $441,724,200 | 1,146 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5857% | 4,595 |
| Cost of funding earning assets | 0.4462% | 2,750 |
| Net interest margin | 3.1395% | 4,600 |
| Noninterest income to average assets | 0.3960% | 3,713 |
| Noninterest expense to average assets | 1.9585% | 5,031 |
| Loan and lease loss provision to assets | 0.0160% | 3,823 |
| Net operating income to assets | 0.9728% | 2,677 |
| Return on assets (ROA) | 0.9786% | 2,704 |
| Pretax return on assets | 1.3635% | 2,234 |
| Return on Equity (ROE) | 9.4956% | 2,353 |
| Retained earnings to average equity (ytd only) | 5.4701% | 2,557 |
| Net charge-offs to loans | 0.0222% | 3,024 |
| Credit loss provision to net charge-offs | 136.9863% | 1,798 |
| Earnings coverage of net charge-offs (x) | 117.7271% | 630 |
| Efficiency ratio | 58.8173% | 4,388 |
| Assets per employee ($millions) | 5.3497% | 2,068 |
| Cash dividends to net income (ytd only)* | 42.3936% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0371% | 3,864 |
| Loan loss allowance to noncurrent loans | 127.5608% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.4539% | 3,216 |
| Noncurrent loans to loans | 0.8130% | 2,331 |
| Net loans and leases to total assets | 53.7425% | 4,435 |
| Net loans and leases to deposits | 60.6545% | 4,600 |
| Net loans and leases to core deposits | 66.8377% | 4,433 |
| Total domestic deposits to total assets | 88.6043% | 1,068 |
| Equity capital to assets | 10.6569% | 3,205 |
| Core capital (leverage) ratio | 10.6068% | 2,871 |
| Tier 1 risk-based capital ratio | 16.4669% | 2,334 |
| Total risk-based capital ratio | 17.3742% | 2,393 |
| Memoranda: | ||
| Average total assets | $835,568,000 | 896 |
| Average earning assets | $780,833,500 | 887 |
| Average equity | $86,115,000 | 950 |
| Average total loans | $438,261,750 | 1,162 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5263% | 4,695 |
| Cost of funding earning assets | 0.4438% | 2,658 |
| Net interest margin | 3.0825% | 4,721 |
| Noninterest income to average assets | 0.3822% | 3,813 |
| Noninterest expense to average assets | 1.9277% | 5,130 |
| Loan and lease loss provision to assets | 0.0239% | 3,520 |
| Net operating income to assets | 0.9461% | 2,683 |
| Return on assets (ROA) | 0.9464% | 2,740 |
| Pretax return on assets | 1.3119% | 2,342 |
| Return on Equity (ROE) | 9.2873% | 2,371 |
| Retained earnings to average equity (ytd only) | 5.2387% | 2,555 |
| Net charge-offs to loans | -0.1022% | 5,416 |
| Credit loss provision to net charge-offs | -45.0450% | 4,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0766% | 4,460 |
| Assets per employee ($millions) | 5.4349% | 1,935 |
| Cash dividends to net income (ytd only)* | 43.5923% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 3,412 |
| Loan loss allowance to noncurrent loans | 216.0574% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.2869% | 3,984 |
| Noncurrent loans to loans | 0.5238% | 3,183 |
| Net loans and leases to total assets | 51.8247% | 4,588 |
| Net loans and leases to deposits | 58.2595% | 4,737 |
| Net loans and leases to core deposits | 64.1081% | 4,598 |
| Total domestic deposits to total assets | 88.9551% | 976 |
| Equity capital to assets | 10.3863% | 3,471 |
| Core capital (leverage) ratio | 10.4383% | 2,989 |
| Tier 1 risk-based capital ratio | 16.5412% | 2,306 |
| Total risk-based capital ratio | 17.5183% | 2,348 |
| Memoranda: | ||
| Average total assets | $837,691,330 | 899 |
| Average earning assets | $782,861,670 | 889 |
| Average equity | $85,364,330 | 959 |
| Average total loans | $434,248,330 | 1,170 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4715% | 4,774 |
| Cost of funding earning assets | 0.4441% | 2,578 |
| Net interest margin | 3.0274% | 4,835 |
| Noninterest income to average assets | 0.3857% | 3,770 |
| Noninterest expense to average assets | 1.9521% | 5,147 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9143% | 2,687 |
| Return on assets (ROA) | 0.9150% | 2,740 |
| Pretax return on assets | 1.2620% | 2,380 |
| Return on Equity (ROE) | 9.0658% | 2,384 |
| Retained earnings to average equity (ytd only) | 5.0035% | 2,892 |
| Net charge-offs to loans | 0.0509% | 1,841 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 48.0364% | 925 |
| Efficiency ratio | 60.7546% | 4,353 |
| Assets per employee ($millions) | 5.4769% | 1,911 |
| Cash dividends to net income (ytd only)* | 44.8096% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 3,914 |
| Loan loss allowance to noncurrent loans | 197.9292% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.2928% | 4,029 |
| Noncurrent loans to loans | 0.5371% | 3,200 |
| Net loans and leases to total assets | 50.6245% | 4,621 |
| Net loans and leases to deposits | 56.7474% | 4,770 |
| Net loans and leases to core deposits | 62.5225% | 4,613 |
| Total domestic deposits to total assets | 89.2103% | 1,048 |
| Equity capital to assets | 10.0989% | 3,628 |
| Core capital (leverage) ratio | 10.2662% | 3,168 |
| Tier 1 risk-based capital ratio | 16.5676% | 2,333 |
| Total risk-based capital ratio | 17.4911% | 2,401 |
| Memoranda: | ||
| Average total assets | $838,051,500 | 903 |
| Average earning assets | $782,727,000 | 891 |
| Average equity | $84,581,500 | 965 |
| Average total loans | $432,011,000 | 1,178 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4261% | 4,932 |
| Cost of funding earning assets | 0.4916% | 2,154 |
| Net interest margin | 2.9345% | 5,074 |
| Noninterest income to average assets | 0.4700% | 3,409 |
| Noninterest expense to average assets | 1.9673% | 5,254 |
| Loan and lease loss provision to assets | -0.0580% | 5,610 |
| Net operating income to assets | 0.9526% | 2,569 |
| Return on assets (ROA) | 0.9333% | 2,769 |
| Pretax return on assets | 1.2851% | 2,333 |
| Return on Equity (ROE) | 8.8955% | 2,471 |
| Retained earnings to average equity (ytd only) | 1.2540% | 4,783 |
| Net charge-offs to loans | -0.1947% | 5,735 |
| Credit loss provision to net charge-offs | 57.8069% | 3,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0790% | 4,405 |
| Assets per employee ($millions) | 5.2700% | 2,092 |
| Cash dividends to net income (ytd only)* | 85.9027% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 3,866 |
| Loan loss allowance to noncurrent loans | 195.9899% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.3028% | 4,062 |
| Noncurrent loans to loans | 0.5478% | 3,203 |
| Net loans and leases to total assets | 51.3778% | 4,658 |
| Net loans and leases to deposits | 57.7069% | 4,813 |
| Net loans and leases to core deposits | 63.7131% | 4,652 |
| Total domestic deposits to total assets | 89.0322% | 1,105 |
| Equity capital to assets | 10.0863% | 3,623 |
| Core capital (leverage) ratio | 10.1369% | 3,321 |
| Tier 1 risk-based capital ratio | 16.7360% | 2,257 |
| Total risk-based capital ratio | 17.6839% | 2,312 |
| Memoranda: | ||
| Average total assets | $836,801,800 | 868 |
| Average earning assets | $784,424,800 | 856 |
| Average equity | $87,797,400 | 905 |
| Average total loans | $430,929,600 | 1,138 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4200% | 4,983 |
| Cost of funding earning assets | 0.4989% | 2,112 |
| Net interest margin | 2.9212% | 5,151 |
| Noninterest income to average assets | 0.4695% | 3,431 |
| Noninterest expense to average assets | 1.9574% | 5,285 |
| Loan and lease loss provision to assets | -0.0955% | 5,786 |
| Net operating income to assets | 0.9780% | 2,527 |
| Return on assets (ROA) | 0.9952% | 2,595 |
| Pretax return on assets | 1.3725% | 2,150 |
| Return on Equity (ROE) | 9.3954% | 2,308 |
| Retained earnings to average equity (ytd only) | 5.4113% | 2,544 |
| Net charge-offs to loans | -0.2753% | 5,828 |
| Credit loss provision to net charge-offs | 67.4916% | 2,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9605% | 4,401 |
| Assets per employee ($millions) | 5.3277% | 2,017 |
| Cash dividends to net income (ytd only)* | 42.4048% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 4,025 |
| Loan loss allowance to noncurrent loans | 250.9868% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 4,558 |
| Noncurrent loans to loans | 0.4263% | 3,758 |
| Net loans and leases to total assets | 49.6611% | 4,844 |
| Net loans and leases to deposits | 56.1332% | 4,984 |
| Net loans and leases to core deposits | 61.9546% | 4,833 |
| Total domestic deposits to total assets | 88.4702% | 1,161 |
| Equity capital to assets | 10.6309% | 3,427 |
| Core capital (leverage) ratio | 10.2711% | 3,255 |
| Tier 1 risk-based capital ratio | 16.8137% | 2,293 |
| Total risk-based capital ratio | 17.7211% | 2,377 |
| Memoranda: | ||
| Average total assets | $837,838,250 | 863 |
| Average earning assets | $786,287,000 | 853 |
| Average equity | $88,750,750 | 903 |
| Average total loans | $430,551,250 | 1,132 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4537% | 4,977 |
| Cost of funding earning assets | 0.5002% | 2,100 |
| Net interest margin | 2.9535% | 5,168 |
| Noninterest income to average assets | 0.4370% | 3,622 |
| Noninterest expense to average assets | 1.9444% | 5,380 |
| Loan and lease loss provision to assets | -0.1441% | 5,909 |
| Net operating income to assets | 1.0212% | 2,292 |
| Return on assets (ROA) | 1.0212% | 2,430 |
| Pretax return on assets | 1.4084% | 1,991 |
| Return on Equity (ROE) | 9.6519% | 2,200 |
| Retained earnings to average equity (ytd only) | 5.6418% | 2,340 |
| Net charge-offs to loans | -0.3889% | 5,920 |
| Credit loss provision to net charge-offs | 71.5137% | 2,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5956% | 4,564 |
| Assets per employee ($millions) | 5.2926% | 1,989 |
| Cash dividends to net income (ytd only)* | 41.5471% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 4,242 |
| Loan loss allowance to noncurrent loans | 271.3002% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.2325% | 4,561 |
| Noncurrent loans to loans | 0.3861% | 3,974 |
| Net loans and leases to total assets | 50.5104% | 4,808 |
| Net loans and leases to deposits | 57.0471% | 4,951 |
| Net loans and leases to core deposits | 62.8550% | 4,824 |
| Total domestic deposits to total assets | 88.5416% | 1,145 |
| Equity capital to assets | 10.6740% | 3,436 |
| Core capital (leverage) ratio | 10.4165% | 3,056 |
| Tier 1 risk-based capital ratio | 16.5601% | 2,403 |
| Total risk-based capital ratio | 17.4582% | 2,490 |
| Memoranda: | ||
| Average total assets | $832,974,000 | 868 |
| Average earning assets | $781,719,000 | 855 |
| Average equity | $88,127,330 | 909 |
| Average total loans | $431,433,330 | 1,132 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4907% | 4,911 |
| Cost of funding earning assets | 0.5096% | 2,033 |
| Net interest margin | 2.9811% | 5,161 |
| Noninterest income to average assets | 0.3927% | 3,885 |
| Noninterest expense to average assets | 1.9737% | 5,393 |
| Loan and lease loss provision to assets | -0.2905% | 6,048 |
| Net operating income to assets | 1.0895% | 1,945 |
| Return on assets (ROA) | 1.0895% | 2,044 |
| Pretax return on assets | 1.5026% | 1,577 |
| Return on Equity (ROE) | 10.3453% | 1,840 |
| Retained earnings to average equity (ytd only) | 6.2945% | 2,237 |
| Net charge-offs to loans | -1.0069% | 6,045 |
| Credit loss provision to net charge-offs | 55.2995% | 2,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9547% | 4,449 |
| Assets per employee ($millions) | 5.1807% | 2,158 |
| Cash dividends to net income (ytd only)* | 39.1556% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 4,048 |
| Loan loss allowance to noncurrent loans | 246.4636% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 4,440 |
| Noncurrent loans to loans | 0.4462% | 3,841 |
| Net loans and leases to total assets | 51.4706% | 4,682 |
| Net loans and leases to deposits | 58.0559% | 4,849 |
| Net loans and leases to core deposits | 64.1814% | 4,677 |
| Total domestic deposits to total assets | 88.6571% | 1,272 |
| Equity capital to assets | 10.6058% | 3,362 |
| Core capital (leverage) ratio | 10.3120% | 3,179 |
| Tier 1 risk-based capital ratio | 16.3824% | 2,522 |
| Total risk-based capital ratio | 17.3277% | 2,595 |
| Memoranda: | ||
| Average total assets | $826,050,500 | 883 |
| Average earning assets | $773,937,000 | 868 |
| Average equity | $86,996,000 | 915 |
| Average total loans | $431,019,500 | 1,131 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6139% | 4,633 |
| Cost of funding earning assets | 0.5576% | 1,698 |
| Net interest margin | 3.0562% | 5,011 |
| Noninterest income to average assets | 0.5473% | 3,024 |
| Noninterest expense to average assets | 2.0200% | 5,420 |
| Loan and lease loss provision to assets | 0.0248% | 3,889 |
| Net operating income to assets | 1.0015% | 2,356 |
| Return on assets (ROA) | 1.0030% | 2,441 |
| Pretax return on assets | 1.3632% | 2,059 |
| Return on Equity (ROE) | 9.6595% | 2,151 |
| Retained earnings to average equity (ytd only) | 5.5320% | 2,066 |
| Net charge-offs to loans | 0.1803% | 1,594 |
| Credit loss provision to net charge-offs | 26.7738% | 3,687 |
| Earnings coverage of net charge-offs (x) | 14.9371% | 2,249 |
| Efficiency ratio | 59.3056% | 4,994 |
| Assets per employee ($millions) | 5.1125% | 2,227 |
| Cash dividends to net income (ytd only)* | 42.7297% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 4,600 |
| Loan loss allowance to noncurrent loans | 158.0907% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.3625% | 4,140 |
| Noncurrent loans to loans | 0.6340% | 3,284 |
| Net loans and leases to total assets | 51.7920% | 4,711 |
| Net loans and leases to deposits | 58.3705% | 4,892 |
| Net loans and leases to core deposits | 64.6017% | 4,697 |
| Total domestic deposits to total assets | 88.7299% | 1,267 |
| Equity capital to assets | 10.4558% | 3,412 |
| Core capital (leverage) ratio | 10.1907% | 3,273 |
| Tier 1 risk-based capital ratio | 16.2570% | 2,579 |
| Total risk-based capital ratio | 17.1231% | 2,683 |
| Memoranda: | ||
| Average total assets | $805,010,400 | 860 |
| Average earning assets | $752,982,000 | 846 |
| Average equity | $83,586,200 | 912 |
| Average total loans | $414,306,600 | 1,106 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6316% | 4,639 |
| Cost of funding earning assets | 0.5697% | 1,634 |
| Net interest margin | 3.0618% | 5,049 |
| Noninterest income to average assets | 0.5714% | 2,907 |
| Noninterest expense to average assets | 2.0177% | 5,449 |
| Loan and lease loss provision to assets | 0.0333% | 3,562 |
| Net operating income to assets | 1.0104% | 2,424 |
| Return on assets (ROA) | 1.0121% | 2,511 |
| Pretax return on assets | 1.3826% | 2,089 |
| Return on Equity (ROE) | 9.7646% | 2,194 |
| Retained earnings to average equity (ytd only) | 5.6123% | 2,515 |
| Net charge-offs to loans | -0.0295% | 5,352 |
| Credit loss provision to net charge-offs | -219.7802% | 5,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8039% | 5,030 |
| Assets per employee ($millions) | 5.1176% | 2,150 |
| Cash dividends to net income (ytd only)* | 42.5238% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2032% | 3,637 |
| Loan loss allowance to noncurrent loans | 136.2839% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.4934% | 3,847 |
| Noncurrent loans to loans | 0.8828% | 2,774 |
| Net loans and leases to total assets | 51.4151% | 4,807 |
| Net loans and leases to deposits | 57.9454% | 5,006 |
| Net loans and leases to core deposits | 64.1690% | 4,806 |
| Total domestic deposits to total assets | 88.7302% | 1,160 |
| Equity capital to assets | 10.4039% | 3,702 |
| Core capital (leverage) ratio | 10.1450% | 3,443 |
| Tier 1 risk-based capital ratio | 15.9855% | 2,805 |
| Total risk-based capital ratio | 17.0175% | 2,844 |
| Memoranda: | ||
| Average total assets | $801,762,000 | 875 |
| Average earning assets | $748,859,500 | 854 |
| Average equity | $83,100,500 | 924 |
| Average total loans | $410,895,750 | 1,114 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6687% | 4,511 |
| Cost of funding earning assets | 0.5859% | 1,519 |
| Net interest margin | 3.0828% | 5,007 |
| Noninterest income to average assets | 0.6075% | 2,690 |
| Noninterest expense to average assets | 2.0754% | 5,387 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0375% | 2,186 |
| Return on assets (ROA) | 1.0381% | 2,303 |
| Pretax return on assets | 1.4117% | 1,929 |
| Return on Equity (ROE) | 10.0286% | 2,055 |
| Retained earnings to average equity (ytd only) | 5.8419% | 2,335 |
| Net charge-offs to loans | -0.0246% | 5,242 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5302% | 5,045 |
| Assets per employee ($millions) | 5.1080% | 2,138 |
| Cash dividends to net income (ytd only)* | 41.7473% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 3,879 |
| Loan loss allowance to noncurrent loans | 271.4444% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 4,739 |
| Noncurrent loans to loans | 0.4365% | 4,172 |
| Net loans and leases to total assets | 50.4898% | 4,886 |
| Net loans and leases to deposits | 56.7366% | 5,080 |
| Net loans and leases to core deposits | 63.1063% | 4,867 |
| Total domestic deposits to total assets | 88.9898% | 1,149 |
| Equity capital to assets | 10.2421% | 3,761 |
| Core capital (leverage) ratio | 10.2211% | 3,308 |
| Tier 1 risk-based capital ratio | 16.4353% | 2,641 |
| Total risk-based capital ratio | 17.4616% | 2,705 |
| Memoranda: | ||
| Average total assets | $796,076,670 | 886 |
| Average earning assets | $743,417,330 | 862 |
| Average equity | $82,404,330 | 934 |
| Average total loans | $405,820,000 | 1,131 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6504% | 4,532 |
| Cost of funding earning assets | 0.6248% | 1,270 |
| Net interest margin | 3.0256% | 5,133 |
| Noninterest income to average assets | 0.6542% | 2,385 |
| Noninterest expense to average assets | 2.1695% | 5,228 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9653% | 2,422 |
| Return on assets (ROA) | 0.9664% | 2,548 |
| Pretax return on assets | 1.3135% | 2,225 |
| Return on Equity (ROE) | 9.2858% | 2,319 |
| Retained earnings to average equity (ytd only) | 5.0902% | 3,011 |
| Net charge-offs to loans | 0.1133% | 1,613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 22.7456% | 1,343 |
| Efficiency ratio | 62.3165% | 4,745 |
| Assets per employee ($millions) | 5.0386% | 2,303 |
| Cash dividends to net income (ytd only)* | 45.1832% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 4,087 |
| Loan loss allowance to noncurrent loans | 376.5550% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 5,054 |
| Noncurrent loans to loans | 0.3134% | 4,668 |
| Net loans and leases to total assets | 49.9887% | 4,853 |
| Net loans and leases to deposits | 56.4435% | 5,022 |
| Net loans and leases to core deposits | 62.9762% | 4,781 |
| Total domestic deposits to total assets | 88.5643% | 1,515 |
| Equity capital to assets | 10.5102% | 3,519 |
| Core capital (leverage) ratio | 9.9626% | 3,647 |
| Tier 1 risk-based capital ratio | 16.5010% | 2,682 |
| Total risk-based capital ratio | 17.5092% | 2,741 |
| Memoranda: | ||
| Average total assets | $790,584,000 | 892 |
| Average earning assets | $738,773,500 | 866 |
| Average equity | $82,276,500 | 929 |
| Average total loans | $402,545,000 | 1,138 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7377% | 4,686 |
| Cost of funding earning assets | 0.7132% | 1,038 |
| Net interest margin | 3.0246% | 5,394 |
| Noninterest income to average assets | 0.6437% | 2,597 |
| Noninterest expense to average assets | 2.0173% | 5,732 |
| Loan and lease loss provision to assets | 0.0065% | 4,497 |
| Net operating income to assets | 1.0337% | 2,246 |
| Return on assets (ROA) | 0.9845% | 2,538 |
| Pretax return on assets | 1.3584% | 2,047 |
| Return on Equity (ROE) | 9.9767% | 2,138 |
| Retained earnings to average equity (ytd only) | 5.5605% | 2,226 |
| Net charge-offs to loans | 0.1229% | 2,798 |
| Credit loss provision to net charge-offs | 10.3734% | 4,100 |
| Earnings coverage of net charge-offs (x) | 23.0436% | 1,607 |
| Efficiency ratio | 58.4630% | 5,412 |
| Assets per employee ($millions) | 5.0325% | 2,277 |
| Cash dividends to net income (ytd only)* | 44.2653% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 4,034 |
| Loan loss allowance to noncurrent loans | 433.3333% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.2088% | 5,188 |
| Noncurrent loans to loans | 0.2756% | 4,868 |
| Net loans and leases to total assets | 50.6375% | 4,905 |
| Net loans and leases to deposits | 57.5091% | 5,095 |
| Net loans and leases to core deposits | 64.8701% | 4,766 |
| Total domestic deposits to total assets | 88.0513% | 1,744 |
| Equity capital to assets | 10.3038% | 3,714 |
| Core capital (leverage) ratio | 10.1571% | 3,362 |
| Tier 1 risk-based capital ratio | 17.1081% | 2,471 |
| Total risk-based capital ratio | 18.1913% | 2,490 |
| Memoranda: | ||
| Average total assets | $774,936,200 | 874 |
| Average earning assets | $719,178,200 | 854 |
| Average equity | $76,468,200 | 957 |
| Average total loans | $392,062,200 | 1,126 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7471% | 4,721 |
| Cost of funding earning assets | 0.7249% | 1,018 |
| Net interest margin | 3.0222% | 5,460 |
| Noninterest income to average assets | 0.6389% | 2,631 |
| Noninterest expense to average assets | 2.0115% | 5,753 |
| Loan and lease loss provision to assets | -0.0173% | 6,106 |
| Net operating income to assets | 1.0552% | 2,213 |
| Return on assets (ROA) | 0.9883% | 2,570 |
| Pretax return on assets | 1.3528% | 2,182 |
| Return on Equity (ROE) | 10.1301% | 2,156 |
| Retained earnings to average equity (ytd only) | 5.6410% | 2,641 |
| Net charge-offs to loans | 0.1420% | 2,376 |
| Credit loss provision to net charge-offs | -24.1546% | 5,288 |
| Earnings coverage of net charge-offs (x) | 19.9371% | 1,763 |
| Efficiency ratio | 58.4976% | 5,378 |
| Assets per employee ($millions) | 4.8877% | 2,392 |
| Cash dividends to net income (ytd only)* | 44.3142% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1941% | 4,266 |
| Loan loss allowance to noncurrent loans | 269.1959% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.3812% | 4,782 |
| Noncurrent loans to loans | 0.4436% | 4,571 |
| Net loans and leases to total assets | 50.3012% | 4,974 |
| Net loans and leases to deposits | 57.5885% | 5,131 |
| Net loans and leases to core deposits | 65.2765% | 4,774 |
| Total domestic deposits to total assets | 87.3459% | 2,126 |
| Equity capital to assets | 10.0827% | 4,065 |
| Core capital (leverage) ratio | 10.0978% | 3,533 |
| Tier 1 risk-based capital ratio | 17.0892% | 2,583 |
| Total risk-based capital ratio | 18.1637% | 2,599 |
| Memoranda: | ||
| Average total assets | $771,142,750 | 883 |
| Average earning assets | $714,387,250 | 861 |
| Average equity | $75,232,500 | 976 |
| Average total loans | $388,845,750 | 1,135 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7428% | 4,722 |
| Cost of funding earning assets | 0.7358% | 987 |
| Net interest margin | 3.0070% | 5,503 |
| Noninterest income to average assets | 0.5808% | 2,925 |
| Noninterest expense to average assets | 2.0370% | 5,757 |
| Loan and lease loss provision to assets | -0.1042% | 6,383 |
| Net operating income to assets | 1.0463% | 2,134 |
| Return on assets (ROA) | 0.9902% | 2,440 |
| Pretax return on assets | 1.3519% | 2,078 |
| Return on Equity (ROE) | 10.2665% | 2,026 |
| Retained earnings to average equity (ytd only) | 5.7033% | 2,513 |
| Net charge-offs to loans | 0.0726% | 2,977 |
| Credit loss provision to net charge-offs | -285.7143% | 5,457 |
| Earnings coverage of net charge-offs (x) | 36.3071% | 1,129 |
| Efficiency ratio | 60.5969% | 5,212 |
| Assets per employee ($millions) | 5.0721% | 2,124 |
| Cash dividends to net income (ytd only)* | 44.4474% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 4,409 |
| Loan loss allowance to noncurrent loans | 165.3725% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.5725% | 4,272 |
| Noncurrent loans to loans | 0.7274% | 3,879 |
| Net loans and leases to total assets | 50.0369% | 4,957 |
| Net loans and leases to deposits | 56.5621% | 5,150 |
| Net loans and leases to core deposits | 64.0873% | 4,816 |
| Total domestic deposits to total assets | 88.4635% | 1,656 |
| Equity capital to assets | 10.0465% | 4,043 |
| Core capital (leverage) ratio | 9.9133% | 3,724 |
| Tier 1 risk-based capital ratio | 17.1132% | 2,574 |
| Total risk-based capital ratio | 18.1887% | 2,607 |
| Memoranda: | ||
| Average total assets | $767,515,330 | 884 |
| Average earning assets | $709,735,000 | 865 |
| Average equity | $74,027,000 | 986 |
| Average total loans | $385,753,670 | 1,138 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7737% | 4,594 |
| Cost of funding earning assets | 0.7417% | 1,001 |
| Net interest margin | 3.0320% | 5,442 |
| Noninterest income to average assets | 0.5828% | 2,844 |
| Noninterest expense to average assets | 2.0926% | 5,696 |
| Loan and lease loss provision to assets | -0.2096% | 6,571 |
| Net operating income to assets | 1.1017% | 1,810 |
| Return on assets (ROA) | 0.9826% | 2,333 |
| Pretax return on assets | 1.3369% | 1,975 |
| Return on Equity (ROE) | 10.4081% | 1,908 |
| Retained earnings to average equity (ytd only) | 5.7231% | 2,683 |
| Net charge-offs to loans | 0.1643% | 1,735 |
| Credit loss provision to net charge-offs | -254.7771% | 5,014 |
| Earnings coverage of net charge-offs (x) | 15.6561% | 1,539 |
| Efficiency ratio | 61.8974% | 5,136 |
| Assets per employee ($millions) | 4.9314% | 2,337 |
| Cash dividends to net income (ytd only)* | 45.0133% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 4,412 |
| Loan loss allowance to noncurrent loans | 141.9831% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.8304% | 3,649 |
| Noncurrent loans to loans | 0.8764% | 3,699 |
| Net loans and leases to total assets | 48.2914% | 5,085 |
| Net loans and leases to deposits | 54.2306% | 5,264 |
| Net loans and leases to core deposits | 61.5486% | 4,919 |
| Total domestic deposits to total assets | 89.0483% | 1,630 |
| Equity capital to assets | 9.5519% | 4,426 |
| Core capital (leverage) ratio | 9.8682% | 3,762 |
| Tier 1 risk-based capital ratio | 17.1999% | 2,599 |
| Total risk-based capital ratio | 18.2878% | 2,624 |
| Memoranda: | ||
| Average total assets | $763,261,000 | 893 |
| Average earning assets | $704,355,000 | 879 |
| Average equity | $72,059,000 | 1,010 |
| Average total loans | $382,117,500 | 1,151 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9402% | 4,318 |
| Cost of funding earning assets | 0.9018% | 729 |
| Net interest margin | 3.0384% | 5,488 |
| Noninterest income to average assets | 0.7509% | 2,287 |
| Noninterest expense to average assets | 2.4373% | 4,964 |
| Loan and lease loss provision to assets | 0.0526% | 4,084 |
| Net operating income to assets | 0.8089% | 3,249 |
| Return on assets (ROA) | 0.8749% | 2,991 |
| Pretax return on assets | 1.1401% | 2,806 |
| Return on Equity (ROE) | 9.0540% | 2,510 |
| Retained earnings to average equity (ytd only) | 4.5535% | 2,921 |
| Net charge-offs to loans | 0.4730% | 1,409 |
| Credit loss provision to net charge-offs | 21.5633% | 4,416 |
| Earnings coverage of net charge-offs (x) | 4.5342% | 3,539 |
| Efficiency ratio | 68.7649% | 4,057 |
| Assets per employee ($millions) | 4.8535% | 2,369 |
| Cash dividends to net income (ytd only)* | 49.7066% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3661% | 3,818 |
| Loan loss allowance to noncurrent loans | 121.5505% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 1.0921% | 3,223 |
| Noncurrent loans to loans | 1.1239% | 3,289 |
| Net loans and leases to total assets | 50.5614% | 5,018 |
| Net loans and leases to deposits | 56.6653% | 5,241 |
| Net loans and leases to core deposits | 64.2940% | 4,840 |
| Total domestic deposits to total assets | 89.2282% | 1,469 |
| Equity capital to assets | 9.3268% | 4,658 |
| Core capital (leverage) ratio | 9.9391% | 3,657 |
| Tier 1 risk-based capital ratio | 16.8446% | 2,684 |
| Total risk-based capital ratio | 18.0503% | 2,664 |
| Memoranda: | ||
| Average total assets | $759,737,000 | 881 |
| Average earning assets | $698,485,200 | 866 |
| Average equity | $73,415,400 | 969 |
| Average total loans | $392,160,200 | 1,092 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9503% | 4,315 |
| Cost of funding earning assets | 0.9278% | 715 |
| Net interest margin | 3.0225% | 5,535 |
| Noninterest income to average assets | 0.7999% | 2,148 |
| Noninterest expense to average assets | 2.3350% | 5,229 |
| Loan and lease loss provision to assets | 0.0700% | 3,662 |
| Net operating income to assets | 0.8809% | 2,928 |
| Return on assets (ROA) | 0.9700% | 2,603 |
| Pretax return on assets | 1.2918% | 2,361 |
| Return on Equity (ROE) | 9.9528% | 2,201 |
| Retained earnings to average equity (ytd only) | 5.5018% | 2,724 |
| Net charge-offs to loans | 0.3985% | 1,609 |
| Credit loss provision to net charge-offs | 33.9847% | 3,822 |
| Earnings coverage of net charge-offs (x) | 6.0323% | 3,049 |
| Efficiency ratio | 65.2608% | 4,611 |
| Assets per employee ($millions) | 4.7460% | 2,513 |
| Cash dividends to net income (ytd only)* | 44.7212% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5522% | 3,216 |
| Loan loss allowance to noncurrent loans | 131.4324% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 1.2225% | 3,198 |
| Noncurrent loans to loans | 1.1810% | 3,457 |
| Net loans and leases to total assets | 50.6131% | 5,059 |
| Net loans and leases to deposits | 57.8674% | 5,206 |
| Net loans and leases to core deposits | 65.9579% | 4,718 |
| Total domestic deposits to total assets | 87.4639% | 2,437 |
| Equity capital to assets | 9.6860% | 4,317 |
| Core capital (leverage) ratio | 9.8768% | 3,854 |
| Tier 1 risk-based capital ratio | 17.0978% | 2,668 |
| Total risk-based capital ratio | 18.3501% | 2,630 |
| Memoranda: | ||
| Average total assets | $761,599,500 | 884 |
| Average earning assets | $700,013,750 | 866 |
| Average equity | $74,228,250 | 974 |
| Average total loans | $393,791,500 | 1,090 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9348% | 4,338 |
| Cost of funding earning assets | 0.9485% | 713 |
| Net interest margin | 2.9862% | 5,592 |
| Noninterest income to average assets | 0.8262% | 2,083 |
| Noninterest expense to average assets | 2.3676% | 5,150 |
| Loan and lease loss provision to assets | 0.1043% | 3,051 |
| Net operating income to assets | 0.8320% | 3,138 |
| Return on assets (ROA) | 0.9665% | 2,632 |
| Pretax return on assets | 1.2762% | 2,380 |
| Return on Equity (ROE) | 9.8967% | 2,239 |
| Retained earnings to average equity (ytd only) | 5.4863% | 2,750 |
| Net charge-offs to loans | 0.3352% | 1,847 |
| Credit loss provision to net charge-offs | 60.0601% | 3,016 |
| Earnings coverage of net charge-offs (x) | 6.9309% | 2,627 |
| Efficiency ratio | 66.2992% | 4,494 |
| Assets per employee ($millions) | 4.8318% | 2,322 |
| Cash dividends to net income (ytd only)* | 44.5643% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6324% | 3,036 |
| Loan loss allowance to noncurrent loans | 138.3841% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 1.1202% | 3,497 |
| Noncurrent loans to loans | 1.1796% | 3,586 |
| Net loans and leases to total assets | 50.6463% | 5,043 |
| Net loans and leases to deposits | 58.2634% | 5,141 |
| Net loans and leases to core deposits | 66.0763% | 4,680 |
| Total domestic deposits to total assets | 86.9264% | 2,861 |
| Equity capital to assets | 9.3194% | 4,832 |
| Core capital (leverage) ratio | 9.6876% | 3,953 |
| Tier 1 risk-based capital ratio | 16.2648% | 3,062 |
| Total risk-based capital ratio | 17.5174% | 3,007 |
| Memoranda: | ||
| Average total assets | $767,094,330 | 880 |
| Average earning assets | $705,098,670 | 865 |
| Average equity | $74,913,670 | 969 |
| Average total loans | $397,364,670 | 1,074 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9651% | 4,248 |
| Cost of funding earning assets | 1.0066% | 597 |
| Net interest margin | 2.9585% | 5,682 |
| Noninterest income to average assets | 0.8292% | 2,002 |
| Noninterest expense to average assets | 2.2627% | 5,529 |
| Loan and lease loss provision to assets | 0.2087% | 1,781 |
| Net operating income to assets | 0.8388% | 2,954 |
| Return on assets (ROA) | 0.9044% | 2,780 |
| Pretax return on assets | 1.1627% | 2,715 |
| Return on Equity (ROE) | 9.0529% | 2,466 |
| Retained earnings to average equity (ytd only) | 4.7380% | 3,395 |
| Net charge-offs to loans | 0.3555% | 1,578 |
| Credit loss provision to net charge-offs | 112.9944% | 1,669 |
| Earnings coverage of net charge-offs (x) | 6.9689% | 2,140 |
| Efficiency ratio | 63.7366% | 5,047 |
| Assets per employee ($millions) | 4.8291% | 2,440 |
| Cash dividends to net income (ytd only)* | 47.6630% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7117% | 2,957 |
| Loan loss allowance to noncurrent loans | 142.5353% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 1.2787% | 3,422 |
| Noncurrent loans to loans | 1.2009% | 3,766 |
| Net loans and leases to total assets | 50.3061% | 4,943 |
| Net loans and leases to deposits | 58.8567% | 4,930 |
| Net loans and leases to core deposits | 66.5061% | 4,465 |
| Total domestic deposits to total assets | 85.4721% | 3,811 |
| Equity capital to assets | 9.9134% | 4,259 |
| Core capital (leverage) ratio | 9.3491% | 4,326 |
| Tier 1 risk-based capital ratio | 16.1358% | 3,189 |
| Total risk-based capital ratio | 17.3895% | 3,144 |
| Memoranda: | ||
| Average total assets | $766,513,500 | 885 |
| Average earning assets | $704,943,000 | 873 |
| Average equity | $76,572,000 | 954 |
| Average total loans | $398,272,000 | 1,066 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1626% | 4,723 |
| Cost of funding earning assets | 1.1330% | 794 |
| Net interest margin | 3.0297% | 5,979 |
| Noninterest income to average assets | 1.2848% | 938 |
| Noninterest expense to average assets | 2.5460% | 4,942 |
| Loan and lease loss provision to assets | 0.4995% | 1,194 |
| Net operating income to assets | 0.8405% | 3,090 |
| Return on assets (ROA) | 0.9143% | 2,984 |
| Pretax return on assets | 1.1059% | 3,138 |
| Return on Equity (ROE) | 9.3826% | 2,446 |
| Retained earnings to average equity (ytd only) | 5.0413% | 2,676 |
| Net charge-offs to loans | 1.0198% | 1,059 |
| Credit loss provision to net charge-offs | 95.1372% | 3,268 |
| Earnings coverage of net charge-offs (x) | 2.8885% | 3,984 |
| Efficiency ratio | 62.6704% | 5,139 |
| Assets per employee ($millions) | 4.7228% | 2,616 |
| Cash dividends to net income (ytd only)* | 46.2695% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6762% | 3,021 |
| Loan loss allowance to noncurrent loans | 63.4724% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 2.0802% | 2,359 |
| Noncurrent loans to loans | 2.6409% | 2,006 |
| Net loans and leases to total assets | 51.8640% | 4,948 |
| Net loans and leases to deposits | 61.7986% | 4,806 |
| Net loans and leases to core deposits | 71.0131% | 4,166 |
| Total domestic deposits to total assets | 83.9243% | 4,351 |
| Equity capital to assets | 10.0671% | 4,080 |
| Core capital (leverage) ratio | 9.5000% | 4,101 |
| Tier 1 risk-based capital ratio | 16.0228% | 3,151 |
| Total risk-based capital ratio | 17.2763% | 3,098 |
| Memoranda: | ||
| Average total assets | $763,783,800 | 874 |
| Average earning assets | $700,277,800 | 862 |
| Average equity | $74,424,800 | 950 |
| Average total loans | $393,214,200 | 1,059 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1601% | 4,950 |
| Cost of funding earning assets | 1.1538% | 850 |
| Net interest margin | 3.0063% | 6,159 |
| Noninterest income to average assets | 1.4000% | 762 |
| Noninterest expense to average assets | 2.6729% | 4,488 |
| Loan and lease loss provision to assets | 0.4795% | 1,287 |
| Net operating income to assets | 0.8322% | 3,297 |
| Return on assets (ROA) | 0.9202% | 3,105 |
| Pretax return on assets | 1.1100% | 3,316 |
| Return on Equity (ROE) | 9.5215% | 2,579 |
| Retained earnings to average equity (ytd only) | 5.1478% | 3,259 |
| Net charge-offs to loans | 1.2347% | 782 |
| Credit loss provision to net charge-offs | 75.9039% | 3,744 |
| Earnings coverage of net charge-offs (x) | 2.3483% | 4,105 |
| Efficiency ratio | 64.3076% | 4,756 |
| Assets per employee ($millions) | 4.7421% | 2,540 |
| Cash dividends to net income (ytd only)* | 45.9352% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4984% | 3,960 |
| Loan loss allowance to noncurrent loans | 44.2890% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 2.5024% | 2,116 |
| Noncurrent loans to loans | 3.3833% | 1,620 |
| Net loans and leases to total assets | 52.7023% | 4,954 |
| Net loans and leases to deposits | 62.9558% | 4,849 |
| Net loans and leases to core deposits | 73.0836% | 4,107 |
| Total domestic deposits to total assets | 83.7132% | 4,353 |
| Equity capital to assets | 10.1617% | 4,257 |
| Core capital (leverage) ratio | 9.4681% | 4,316 |
| Tier 1 risk-based capital ratio | 15.5706% | 3,498 |
| Total risk-based capital ratio | 16.8216% | 3,455 |
| Memoranda: | ||
| Average total assets | $764,638,000 | 878 |
| Average earning assets | $701,092,500 | 868 |
| Average equity | $73,894,250 | 962 |
| Average total loans | $391,247,750 | 1,080 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1648% | 5,067 |
| Cost of funding earning assets | 1.1867% | 869 |
| Net interest margin | 2.9781% | 6,281 |
| Noninterest income to average assets | 1.6345% | 554 |
| Noninterest expense to average assets | 3.0274% | 3,158 |
| Loan and lease loss provision to assets | 0.3124% | 2,111 |
| Net operating income to assets | 0.8496% | 3,147 |
| Return on assets (ROA) | 0.9425% | 2,956 |
| Pretax return on assets | 1.1331% | 3,175 |
| Return on Equity (ROE) | 9.9197% | 2,393 |
| Retained earnings to average equity (ytd only) | 5.4942% | 2,992 |
| Net charge-offs to loans | 0.8342% | 1,328 |
| Credit loss provision to net charge-offs | 74.3034% | 3,469 |
| Earnings coverage of net charge-offs (x) | 3.1715% | 3,471 |
| Efficiency ratio | 69.4209% | 3,865 |
| Assets per employee ($millions) | 4.7919% | 2,452 |
| Cash dividends to net income (ytd only)* | 44.6133% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6010% | 3,604 |
| Loan loss allowance to noncurrent loans | 78.9966% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.7820% | 3,062 |
| Noncurrent loans to loans | 2.0267% | 2,916 |
| Net loans and leases to total assets | 52.1302% | 5,079 |
| Net loans and leases to deposits | 61.9375% | 5,004 |
| Net loans and leases to core deposits | 71.6194% | 4,334 |
| Total domestic deposits to total assets | 84.1657% | 4,248 |
| Equity capital to assets | 9.7458% | 4,696 |
| Core capital (leverage) ratio | 9.1891% | 4,625 |
| Tier 1 risk-based capital ratio | 15.2234% | 3,617 |
| Total risk-based capital ratio | 16.4755% | 3,579 |
| Memoranda: | ||
| Average total assets | $768,184,330 | 867 |
| Average earning assets | $703,276,000 | 861 |
| Average equity | $72,986,000 | 963 |
| Average total loans | $387,190,330 | 1,094 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1357% | 5,339 |
| Cost of funding earning assets | 1.2462% | 790 |
| Net interest margin | 2.8895% | 6,503 |
| Noninterest income to average assets | 2.4164% | 312 |
| Noninterest expense to average assets | 3.9047% | 1,059 |
| Loan and lease loss provision to assets | 0.3121% | 2,009 |
| Net operating income to assets | 0.7126% | 3,823 |
| Return on assets (ROA) | 0.7918% | 3,661 |
| Pretax return on assets | 0.9317% | 3,927 |
| Return on Equity (ROE) | 8.4417% | 3,087 |
| Retained earnings to average equity (ytd only) | 3.9601% | 4,209 |
| Net charge-offs to loans | 0.0233% | 4,360 |
| Credit loss provision to net charge-offs | 2,727.2727% | 107 |
| Earnings coverage of net charge-offs (x) | 100.5455% | 342 |
| Efficiency ratio | 77.2381% | 2,615 |
| Assets per employee ($millions) | 4.8475% | 2,452 |
| Cash dividends to net income (ytd only)* | 53.0880% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9635% | 2,476 |
| Loan loss allowance to noncurrent loans | 71.6566% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 2.3720% | 2,504 |
| Noncurrent loans to loans | 2.7401% | 2,377 |
| Net loans and leases to total assets | 49.1787% | 5,408 |
| Net loans and leases to deposits | 58.2469% | 5,347 |
| Net loans and leases to core deposits | 67.7090% | 4,716 |
| Total domestic deposits to total assets | 84.4315% | 4,310 |
| Equity capital to assets | 9.5122% | 4,789 |
| Core capital (leverage) ratio | 8.9839% | 4,863 |
| Tier 1 risk-based capital ratio | 15.5139% | 3,441 |
| Total risk-based capital ratio | 16.7677% | 3,414 |
| Memoranda: | ||
| Average total assets | $768,925,500 | 867 |
| Average earning assets | $702,273,500 | 860 |
| Average equity | $72,118,500 | 967 |
| Average total loans | $377,692,500 | 1,119 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3738% | 5,522 |
| Cost of funding earning assets | 1.5985% | 480 |
| Net interest margin | 2.7752% | 6,847 |
| Noninterest income to average assets | 0.5871% | 3,242 |
| Noninterest expense to average assets | 2.1452% | 6,394 |
| Loan and lease loss provision to assets | 0.3177% | 3,140 |
| Net operating income to assets | 0.6450% | 3,762 |
| Return on assets (ROA) | 0.7577% | 3,389 |
| Pretax return on assets | 0.7692% | 4,085 |
| Return on Equity (ROE) | 8.9215% | 2,485 |
| Retained earnings to average equity (ytd only) | 4.1005% | 3,273 |
| Net charge-offs to loans | 0.8550% | 2,031 |
| Credit loss provision to net charge-offs | 76.3716% | 4,629 |
| Earnings coverage of net charge-offs (x) | 2.3392% | 4,047 |
| Efficiency ratio | 68.7970% | 4,192 |
| Assets per employee ($millions) | 4.9477% | 2,277 |
| Cash dividends to net income (ytd only)* | 54.0383% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8517% | 2,705 |
| Loan loss allowance to noncurrent loans | 66.8148% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 2.4041% | 2,531 |
| Noncurrent loans to loans | 2.7713% | 2,360 |
| Net loans and leases to total assets | 47.2059% | 5,906 |
| Net loans and leases to deposits | 59.0559% | 5,595 |
| Net loans and leases to core deposits | 69.6572% | 4,827 |
| Total domestic deposits to total assets | 79.9343% | 5,759 |
| Equity capital to assets | 9.2487% | 5,214 |
| Core capital (leverage) ratio | 8.8015% | 5,102 |
| Tier 1 risk-based capital ratio | 15.2272% | 3,493 |
| Total risk-based capital ratio | 16.4852% | 3,449 |
| Memoranda: | ||
| Average total assets | $771,240,000 | 852 |
| Average earning assets | $703,400,200 | 853 |
| Average equity | $65,505,000 | 1,029 |
| Average total loans | $375,207,600 | 1,133 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4705% | 5,341 |
| Cost of funding earning assets | 1.6332% | 508 |
| Net interest margin | 2.8373% | 6,844 |
| Noninterest income to average assets | 0.5727% | 3,361 |
| Noninterest expense to average assets | 2.1236% | 6,465 |
| Loan and lease loss provision to assets | 0.3117% | 3,033 |
| Net operating income to assets | 0.7064% | 3,581 |
| Return on assets (ROA) | 0.8010% | 3,320 |
| Pretax return on assets | 0.8218% | 4,048 |
| Return on Equity (ROE) | 9.6472% | 2,330 |
| Retained earnings to average equity (ytd only) | 4.7057% | 3,372 |
| Net charge-offs to loans | 1.1132% | 1,423 |
| Credit loss provision to net charge-offs | 57.3980% | 4,866 |
| Earnings coverage of net charge-offs (x) | 1.9075% | 4,229 |
| Efficiency ratio | 67.2111% | 4,481 |
| Assets per employee ($millions) | 5.0342% | 2,146 |
| Cash dividends to net income (ytd only)* | 51.2217% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6786% | 3,345 |
| Loan loss allowance to noncurrent loans | 60.3465% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 2.4437% | 2,638 |
| Noncurrent loans to loans | 2.7816% | 2,503 |
| Net loans and leases to total assets | 48.5303% | 5,887 |
| Net loans and leases to deposits | 60.7671% | 5,544 |
| Net loans and leases to core deposits | 72.6981% | 4,622 |
| Total domestic deposits to total assets | 79.8627% | 5,772 |
| Equity capital to assets | 9.2599% | 5,438 |
| Core capital (leverage) ratio | 8.8349% | 5,206 |
| Tier 1 risk-based capital ratio | 15.0777% | 3,620 |
| Total risk-based capital ratio | 16.3340% | 3,587 |
| Memoranda: | ||
| Average total assets | $769,852,500 | 862 |
| Average earning assets | $701,923,500 | 861 |
| Average equity | $63,920,500 | 1,061 |
| Average total loans | $375,607,250 | 1,144 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5077% | 5,327 |
| Cost of funding earning assets | 1.6606% | 552 |
| Net interest margin | 2.8471% | 6,869 |
| Noninterest income to average assets | 0.5429% | 3,531 |
| Noninterest expense to average assets | 2.0480% | 6,695 |
| Loan and lease loss provision to assets | 0.3111% | 2,926 |
| Net operating income to assets | 0.7390% | 3,339 |
| Return on assets (ROA) | 0.8247% | 3,077 |
| Pretax return on assets | 0.8709% | 3,751 |
| Return on Equity (ROE) | 10.3265% | 2,004 |
| Retained earnings to average equity (ytd only) | 5.2006% | 2,873 |
| Net charge-offs to loans | 0.6028% | 2,318 |
| Credit loss provision to net charge-offs | 106.1947% | 2,905 |
| Earnings coverage of net charge-offs (x) | 3.7265% | 3,068 |
| Efficiency ratio | 65.2271% | 5,019 |
| Assets per employee ($millions) | 5.0768% | 2,018 |
| Cash dividends to net income (ytd only)* | 49.6385% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0597% | 2,213 |
| Loan loss allowance to noncurrent loans | 94.9148% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 2.3310% | 2,824 |
| Noncurrent loans to loans | 2.1701% | 3,259 |
| Net loans and leases to total assets | 47.4194% | 6,110 |
| Net loans and leases to deposits | 58.5984% | 5,867 |
| Net loans and leases to core deposits | 70.2622% | 5,042 |
| Total domestic deposits to total assets | 80.9228% | 5,549 |
| Equity capital to assets | 8.2803% | 6,446 |
| Core capital (leverage) ratio | 8.1920% | 6,041 |
| Tier 1 risk-based capital ratio | 14.2095% | 4,008 |
| Total risk-based capital ratio | 15.4695% | 3,976 |
| Memoranda: | ||
| Average total assets | $771,403,000 | 869 |
| Average earning assets | $703,596,330 | 868 |
| Average equity | $61,608,330 | 1,099 |
| Average total loans | $374,911,670 | 1,161 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4686% | 5,454 |
| Cost of funding earning assets | 1.6871% | 586 |
| Net interest margin | 2.7816% | 6,935 |
| Noninterest income to average assets | 0.6025% | 3,143 |
| Noninterest expense to average assets | 1.8737% | 7,036 |
| Loan and lease loss provision to assets | 0.3122% | 2,674 |
| Net operating income to assets | 0.8629% | 2,734 |
| Return on assets (ROA) | 0.8414% | 2,875 |
| Pretax return on assets | 0.9330% | 3,392 |
| Return on Equity (ROE) | 10.7346% | 1,822 |
| Retained earnings to average equity (ytd only) | 5.4901% | 2,911 |
| Net charge-offs to loans | 0.4499% | 2,351 |
| Credit loss provision to net charge-offs | 142.5178% | 1,980 |
| Earnings coverage of net charge-offs (x) | 5.7933% | 2,210 |
| Efficiency ratio | 59.6192% | 6,039 |
| Assets per employee ($millions) | 5.0823% | 2,047 |
| Cash dividends to net income (ytd only)* | 48.8559% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1220% | 2,136 |
| Loan loss allowance to noncurrent loans | 69.3721% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 2.7202% | 2,531 |
| Noncurrent loans to loans | 3.0589% | 2,456 |
| Net loans and leases to total assets | 46.5936% | 6,228 |
| Net loans and leases to deposits | 57.3097% | 5,993 |
| Net loans and leases to core deposits | 68.8317% | 5,189 |
| Total domestic deposits to total assets | 81.3013% | 5,572 |
| Equity capital to assets | 7.8412% | 6,640 |
| Core capital (leverage) ratio | 8.0952% | 6,138 |
| Tier 1 risk-based capital ratio | 14.0871% | 4,016 |
| Total risk-based capital ratio | 15.3473% | 3,980 |
| Memoranda: | ||
| Average total assets | $768,733,000 | 875 |
| Average earning assets | $702,046,500 | 870 |
| Average equity | $60,254,000 | 1,106 |
| Average total loans | $374,331,000 | 1,179 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7016% | 5,795 |
| Cost of funding earning assets | 2.0120% | 583 |
| Net interest margin | 2.6897% | 7,133 |
| Noninterest income to average assets | 0.7597% | 2,486 |
| Noninterest expense to average assets | 2.1114% | 6,818 |
| Loan and lease loss provision to assets | 0.4622% | 3,355 |
| Net operating income to assets | 0.5733% | 3,785 |
| Return on assets (ROA) | 0.7331% | 3,208 |
| Pretax return on assets | 0.8446% | 3,483 |
| Return on Equity (ROE) | 9.2812% | 2,182 |
| Retained earnings to average equity (ytd only) | 4.2385% | 2,876 |
| Net charge-offs to loans | 0.6296% | 3,136 |
| Credit loss provision to net charge-offs | 149.1667% | 2,436 |
| Earnings coverage of net charge-offs (x) | 3.6242% | 3,270 |
| Efficiency ratio | 65.2774% | 5,116 |
| Assets per employee ($millions) | 4.9024% | 2,291 |
| Cash dividends to net income (ytd only)* | 54.3325% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0280% | 2,232 |
| Loan loss allowance to noncurrent loans | 64.8694% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 2.7979% | 2,505 |
| Noncurrent loans to loans | 3.1263% | 2,441 |
| Net loans and leases to total assets | 48.8006% | 6,294 |
| Net loans and leases to deposits | 60.9972% | 5,954 |
| Net loans and leases to core deposits | 74.5761% | 4,903 |
| Total domestic deposits to total assets | 80.0048% | 5,832 |
| Equity capital to assets | 7.8349% | 6,652 |
| Core capital (leverage) ratio | 8.0048% | 6,197 |
| Tier 1 risk-based capital ratio | 13.8176% | 3,985 |
| Total risk-based capital ratio | 15.0771% | 3,960 |
| Memoranda: | ||
| Average total assets | $774,473,800 | 877 |
| Average earning assets | $712,582,200 | 861 |
| Average equity | $61,177,600 | 1,087 |
| Average total loans | $381,197,600 | 1,190 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7454% | 5,870 |
| Cost of funding earning assets | 2.0567% | 620 |
| Net interest margin | 2.6887% | 7,249 |
| Noninterest income to average assets | 0.7440% | 2,555 |
| Noninterest expense to average assets | 2.1792% | 6,663 |
| Loan and lease loss provision to assets | 0.5020% | 2,949 |
| Net operating income to assets | 0.4403% | 4,586 |
| Return on assets (ROA) | 0.8070% | 3,118 |
| Pretax return on assets | 0.9864% | 3,232 |
| Return on Equity (ROE) | 10.1965% | 2,051 |
| Retained earnings to average equity (ytd only) | 5.1870% | 2,851 |
| Net charge-offs to loans | 0.7838% | 2,476 |
| Credit loss provision to net charge-offs | 130.5122% | 3,094 |
| Earnings coverage of net charge-offs (x) | 2.7069% | 3,793 |
| Efficiency ratio | 67.6669% | 4,530 |
| Assets per employee ($millions) | 5.0636% | 2,100 |
| Cash dividends to net income (ytd only)* | 49.1296% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8847% | 2,529 |
| Loan loss allowance to noncurrent loans | 81.2422% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 2.1971% | 3,204 |
| Noncurrent loans to loans | 2.3198% | 3,319 |
| Net loans and leases to total assets | 48.2537% | 6,498 |
| Net loans and leases to deposits | 61.9725% | 6,116 |
| Net loans and leases to core deposits | 75.7911% | 5,083 |
| Total domestic deposits to total assets | 77.8630% | 6,284 |
| Equity capital to assets | 8.2704% | 6,536 |
| Core capital (leverage) ratio | 7.9246% | 6,439 |
| Tier 1 risk-based capital ratio | 13.7703% | 4,006 |
| Total risk-based capital ratio | 15.0284% | 3,954 |
| Memoranda: | ||
| Average total assets | $778,125,500 | 874 |
| Average earning assets | $716,720,000 | 854 |
| Average equity | $61,588,250 | 1,092 |
| Average total loans | $381,873,000 | 1,200 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7684% | 5,901 |
| Cost of funding earning assets | 2.0822% | 706 |
| Net interest margin | 2.6862% | 7,270 |
| Noninterest income to average assets | 0.6670% | 2,915 |
| Noninterest expense to average assets | 2.1474% | 6,772 |
| Loan and lease loss provision to assets | 0.5646% | 2,513 |
| Net operating income to assets | 0.3545% | 4,953 |
| Return on assets (ROA) | 0.8703% | 2,788 |
| Pretax return on assets | 1.0690% | 2,875 |
| Return on Equity (ROE) | 11.1620% | 1,699 |
| Retained earnings to average equity (ytd only) | 6.0830% | 2,289 |
| Net charge-offs to loans | 1.1069% | 1,710 |
| Credit loss provision to net charge-offs | 104.0189% | 3,922 |
| Earnings coverage of net charge-offs (x) | 1.8364% | 4,146 |
| Efficiency ratio | 68.2965% | 4,521 |
| Assets per employee ($millions) | 5.0727% | 2,092 |
| Cash dividends to net income (ytd only)* | 45.5028% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7275% | 2,973 |
| Loan loss allowance to noncurrent loans | 70.0373% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 2.0169% | 3,482 |
| Noncurrent loans to loans | 2.4666% | 3,180 |
| Net loans and leases to total assets | 47.9154% | 6,629 |
| Net loans and leases to deposits | 61.7211% | 6,255 |
| Net loans and leases to core deposits | 76.9759% | 5,085 |
| Total domestic deposits to total assets | 77.6322% | 6,360 |
| Equity capital to assets | 7.9577% | 6,797 |
| Core capital (leverage) ratio | 7.8092% | 6,482 |
| Tier 1 risk-based capital ratio | 13.4907% | 4,074 |
| Total risk-based capital ratio | 14.7468% | 4,035 |
| Memoranda: | ||
| Average total assets | $779,255,670 | 874 |
| Average earning assets | $718,648,000 | 859 |
| Average equity | $60,759,670 | 1,098 |
| Average total loans | $382,157,670 | 1,206 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8240% | 5,791 |
| Cost of funding earning assets | 2.0980% | 814 |
| Net interest margin | 2.7260% | 7,270 |
| Noninterest income to average assets | 0.6455% | 2,960 |
| Noninterest expense to average assets | 1.8620% | 7,393 |
| Loan and lease loss provision to assets | 0.7452% | 1,708 |
| Net operating income to assets | 0.4411% | 4,659 |
| Return on assets (ROA) | 0.8670% | 2,769 |
| Pretax return on assets | 1.0942% | 2,752 |
| Return on Equity (ROE) | 11.2360% | 1,710 |
| Retained earnings to average equity (ytd only) | 6.1009% | 2,575 |
| Net charge-offs to loans | 1.4619% | 1,181 |
| Credit loss provision to net charge-offs | 103.6455% | 3,301 |
| Earnings coverage of net charge-offs (x) | 1.8084% | 3,654 |
| Efficiency ratio | 58.8818% | 6,354 |
| Assets per employee ($millions) | 5.1120% | 2,076 |
| Cash dividends to net income (ytd only)* | 45.7024% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7023% | 3,054 |
| Loan loss allowance to noncurrent loans | 57.8971% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 2.3409% | 3,105 |
| Noncurrent loans to loans | 2.9402% | 2,738 |
| Net loans and leases to total assets | 48.0212% | 6,675 |
| Net loans and leases to deposits | 62.0445% | 6,270 |
| Net loans and leases to core deposits | 77.8042% | 5,046 |
| Total domestic deposits to total assets | 77.3980% | 6,472 |
| Equity capital to assets | 7.7305% | 6,904 |
| Core capital (leverage) ratio | 7.6987% | 6,626 |
| Tier 1 risk-based capital ratio | 13.0101% | 4,326 |
| Total risk-based capital ratio | 14.2654% | 4,298 |
| Memoranda: | ||
| Average total assets | $778,286,000 | 895 |
| Average earning assets | $718,575,000 | 878 |
| Average equity | $60,057,000 | 1,110 |
| Average total loans | $382,790,000 | 1,240 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1163% | 6,018 |
| Cost of funding earning assets | 2.4673% | 1,099 |
| Net interest margin | 2.6490% | 7,278 |
| Noninterest income to average assets | 0.8749% | 2,050 |
| Noninterest expense to average assets | 1.8622% | 7,551 |
| Loan and lease loss provision to assets | 0.6737% | 3,121 |
| Net operating income to assets | 0.8199% | 2,451 |
| Return on assets (ROA) | 0.3446% | 4,445 |
| Pretax return on assets | 0.3135% | 4,725 |
| Return on Equity (ROE) | 4.5532% | 3,857 |
| Retained earnings to average equity (ytd only) | -0.5579% | 5,126 |
| Net charge-offs to loans | 0.8309% | 2,750 |
| Credit loss provision to net charge-offs | 166.5081% | 2,612 |
| Earnings coverage of net charge-offs (x) | 3.6147% | 3,271 |
| Efficiency ratio | 56.0097% | 7,014 |
| Assets per employee ($millions) | 4.9956% | 2,223 |
| Cash dividends to net income (ytd only)* | 112.2533% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7048% | 2,884 |
| Loan loss allowance to noncurrent loans | 69.4133% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 2.1669% | 3,175 |
| Noncurrent loans to loans | 2.4560% | 3,094 |
| Net loans and leases to total assets | 48.6780% | 6,759 |
| Net loans and leases to deposits | 64.5477% | 6,204 |
| Net loans and leases to core deposits | 92.1445% | 4,870 |
| Total domestic deposits to total assets | 75.4141% | 6,789 |
| Equity capital to assets | 7.7023% | 6,857 |
| Core capital (leverage) ratio | 7.6483% | 6,620 |
| Tier 1 risk-based capital ratio | 12.9674% | 4,165 |
| Total risk-based capital ratio | 14.2237% | 4,109 |
| Memoranda: | ||
| Average total assets | $779,245,000 | 877 |
| Average earning assets | $720,638,800 | 867 |
| Average equity | $58,970,000 | 1,124 |
| Average total loans | $379,489,800 | 1,265 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1123% | 6,224 |
| Cost of funding earning assets | 2.5474% | 1,163 |
| Net interest margin | 2.5649% | 7,392 |
| Noninterest income to average assets | 0.9164% | 1,917 |
| Noninterest expense to average assets | 1.8432% | 7,618 |
| Loan and lease loss provision to assets | 0.4008% | 3,911 |
| Net operating income to assets | 0.8169% | 2,736 |
| Return on assets (ROA) | 0.4083% | 4,467 |
| Pretax return on assets | 0.5217% | 4,451 |
| Return on Equity (ROE) | 5.4193% | 3,780 |
| Retained earnings to average equity (ytd only) | 0.3011% | 5,070 |
| Net charge-offs to loans | 0.4537% | 3,418 |
| Credit loss provision to net charge-offs | 182.1705% | 2,508 |
| Earnings coverage of net charge-offs (x) | 6.5736% | 2,578 |
| Efficiency ratio | 56.0326% | 6,993 |
| Assets per employee ($millions) | 5.2307% | 1,857 |
| Cash dividends to net income (ytd only)* | 94.4444% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4124% | 3,878 |
| Loan loss allowance to noncurrent loans | 63.6056% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 1.9314% | 3,453 |
| Noncurrent loans to loans | 2.2205% | 3,354 |
| Net loans and leases to total assets | 48.5581% | 6,902 |
| Net loans and leases to deposits | 63.6684% | 6,523 |
| Net loans and leases to core deposits | 90.8083% | 5,363 |
| Total domestic deposits to total assets | 76.2673% | 6,541 |
| Equity capital to assets | 7.8290% | 7,009 |
| Core capital (leverage) ratio | 7.5761% | 6,885 |
| Tier 1 risk-based capital ratio | 12.6764% | 4,410 |
| Total risk-based capital ratio | 13.8372% | 4,434 |
| Memoranda: | ||
| Average total assets | $781,726,750 | 881 |
| Average earning assets | $723,279,000 | 873 |
| Average equity | $58,898,750 | 1,140 |
| Average total loans | $379,116,250 | 1,283 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1418% | 6,280 |
| Cost of funding earning assets | 2.5971% | 1,293 |
| Net interest margin | 2.5447% | 7,421 |
| Noninterest income to average assets | 1.0403% | 1,466 |
| Noninterest expense to average assets | 1.9086% | 7,612 |
| Loan and lease loss provision to assets | 0.3202% | 4,023 |
| Net operating income to assets | 0.9047% | 2,439 |
| Return on assets (ROA) | 0.3289% | 4,885 |
| Pretax return on assets | 0.4227% | 4,866 |
| Return on Equity (ROE) | 4.4233% | 4,331 |
| Retained earnings to average equity (ytd only) | -0.7682% | 5,420 |
| Net charge-offs to loans | 0.5320% | 2,730 |
| Credit loss provision to net charge-offs | 124.7505% | 3,730 |
| Earnings coverage of net charge-offs (x) | 5.7705% | 2,764 |
| Efficiency ratio | 56.3062% | 7,083 |
| Assets per employee ($millions) | 5.3232% | 1,746 |
| Cash dividends to net income (ytd only)* | 117.3676% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 4,785 |
| Loan loss allowance to noncurrent loans | 690.3418% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.7290% | 5,592 |
| Noncurrent loans to loans | 0.1774% | 7,074 |
| Net loans and leases to total assets | 46.9270% | 7,132 |
| Net loans and leases to deposits | 60.7041% | 6,840 |
| Net loans and leases to core deposits | 87.3793% | 5,779 |
| Total domestic deposits to total assets | 77.3044% | 6,254 |
| Equity capital to assets | 7.0063% | 7,617 |
| Core capital (leverage) ratio | 7.4151% | 7,121 |
| Tier 1 risk-based capital ratio | 13.0260% | 4,131 |
| Total risk-based capital ratio | 14.0474% | 4,205 |
| Memoranda: | ||
| Average total assets | $780,767,670 | 898 |
| Average earning assets | $720,872,000 | 889 |
| Average equity | $58,056,000 | 1,167 |
| Average total loans | $376,672,670 | 1,317 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1699% | 6,416 |
| Cost of funding earning assets | 2.6131% | 1,521 |
| Net interest margin | 2.5568% | 7,429 |
| Noninterest income to average assets | 1.0623% | 1,316 |
| Noninterest expense to average assets | 1.8536% | 7,631 |
| Loan and lease loss provision to assets | 0.2850% | 3,680 |
| Net operating income to assets | 0.9503% | 2,515 |
| Return on assets (ROA) | 0.1472% | 5,998 |
| Pretax return on assets | 0.2026% | 5,931 |
| Return on Equity (ROE) | 1.9218% | 5,796 |
| Retained earnings to average equity (ytd only) | -3.1804% | 6,308 |
| Net charge-offs to loans | 0.4433% | 2,339 |
| Credit loss provision to net charge-offs | 132.2115% | 3,052 |
| Earnings coverage of net charge-offs (x) | 7.3654% | 2,355 |
| Efficiency ratio | 53.8624% | 7,233 |
| Assets per employee ($millions) | 5.2291% | 1,818 |
| Cash dividends to net income (ytd only)* | 265.4930% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 4,807 |
| Loan loss allowance to noncurrent loans | 98.6934% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.5881% | 5,717 |
| Noncurrent loans to loans | 1.2158% | 4,542 |
| Net loans and leases to total assets | 46.6418% | 7,141 |
| Net loans and leases to deposits | 61.2214% | 6,794 |
| Net loans and leases to core deposits | 91.6422% | 5,385 |
| Total domestic deposits to total assets | 76.1854% | 6,478 |
| Equity capital to assets | 7.2680% | 7,515 |
| Core capital (leverage) ratio | 7.6109% | 7,011 |
| Tier 1 risk-based capital ratio | 12.9784% | 4,190 |
| Total risk-based capital ratio | 13.9752% | 4,291 |
| Memoranda: | ||
| Average total assets | $771,913,000 | 905 |
| Average earning assets | $718,235,500 | 893 |
| Average equity | $59,112,000 | 1,153 |
| Average total loans | $375,335,500 | 1,333 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8609% | 6,231 |
| Cost of funding earning assets | 2.9908% | 1,897 |
| Net interest margin | 2.8701% | 7,210 |
| Noninterest income to average assets | 0.7075% | 3,079 |
| Noninterest expense to average assets | 1.8115% | 7,744 |
| Loan and lease loss provision to assets | 0.1205% | 5,818 |
| Net operating income to assets | 1.0978% | 2,158 |
| Return on assets (ROA) | 0.9749% | 2,547 |
| Pretax return on assets | 1.2847% | 2,363 |
| Return on Equity (ROE) | 12.4243% | 1,469 |
| Retained earnings to average equity (ytd only) | 6.8883% | 1,193 |
| Net charge-offs to loans | 0.1661% | 4,541 |
| Credit loss provision to net charge-offs | 150.5190% | 3,485 |
| Earnings coverage of net charge-offs (x) | 19.5727% | 1,623 |
| Efficiency ratio | 53.6181% | 7,311 |
| Assets per employee ($millions) | 5.0255% | 1,928 |
| Cash dividends to net income (ytd only)* | 44.5581% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 4,713 |
| Loan loss allowance to noncurrent loans | 96.9791% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 0.6533% | 5,263 |
| Noncurrent loans to loans | 1.2159% | 4,081 |
| Net loans and leases to total assets | 49.5557% | 7,067 |
| Net loans and leases to deposits | 66.8087% | 6,582 |
| Net loans and leases to core deposits | 95.5420% | 5,295 |
| Total domestic deposits to total assets | 74.1755% | 6,628 |
| Equity capital to assets | 8.0772% | 6,738 |
| Core capital (leverage) ratio | 8.2234% | 6,120 |
| Tier 1 risk-based capital ratio | 13.4265% | 3,860 |
| Total risk-based capital ratio | 14.4193% | 3,925 |
| Memoranda: | ||
| Average total assets | $721,947,800 | 924 |
| Average earning assets | $671,863,600 | 907 |
| Average equity | $56,647,000 | 1,186 |
| Average total loans | $347,915,600 | 1,395 |