Home > Bank Forward > Performance and Condition Ratios
Bank Forward, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2221% | 1,625 |
| Cost of funding earning assets | 1.5829% | 1,734 |
| Net interest margin | 3.6392% | 1,881 |
| Noninterest income to average assets | 2.0900% | 258 |
| Noninterest expense to average assets | 3.7802% | 434 |
| Loan and lease loss provision to assets | -0.1500% | 4,547 |
| Net operating income to assets | 1.8374% | 580 |
| Return on assets (ROA) | 1.8466% | 554 |
| Pretax return on assets | 1.8468% | 831 |
| Return on Equity (ROE) | 17.8300% | 839 |
| Retained earnings to average equity (ytd only) | 10.7151% | 853 |
| Net charge-offs to loans | -0.0006% | 3,569 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 68.9514% | 2,016 |
| Assets per employee ($millions) | 4.4445% | 3,978 |
| Cash dividends to net income (ytd only)* | 39.8890% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6185% | 4,222 |
| Loan loss allowance to noncurrent loans | 3,443.0556% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 3,527 |
| Noncurrent loans to loans | 0.0180% | 3,620 |
| Net loans and leases to total assets | 80.3800% | 597 |
| Net loans and leases to deposits | 93.6650% | 966 |
| Net loans and leases to core deposits | 105.7685% | 1,122 |
| Total domestic deposits to total assets | 85.8200% | 2,068 |
| Equity capital to assets | 10.5226% | 1,712 |
| Core capital (leverage) ratio | 10.4893% | 2,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $936,734,600 | 1,046 |
| Average earning assets | $867,589,800 | 1,036 |
| Average equity | $97,041,000 | 967 |
| Average total loans | $776,163,200 | 887 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0592% | 1,712 |
| Cost of funding earning assets | 1.3766% | 1,930 |
| Net interest margin | 3.6827% | 1,814 |
| Noninterest income to average assets | 2.0500% | 277 |
| Noninterest expense to average assets | 3.6943% | 452 |
| Loan and lease loss provision to assets | -0.0400% | 4,449 |
| Net operating income to assets | 1.8149% | 648 |
| Return on assets (ROA) | 1.8153% | 642 |
| Pretax return on assets | 1.8156% | 991 |
| Return on Equity (ROE) | 17.6000% | 995 |
| Retained earnings to average equity (ytd only) | 8.3545% | 1,852 |
| Net charge-offs to loans | -0.0009% | 3,472 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.2772% | 2,101 |
| Assets per employee ($millions) | 4.2335% | 4,072 |
| Cash dividends to net income (ytd only)* | 52.5185% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7821% | 4,015 |
| Loan loss allowance to noncurrent loans | 527.7872% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.1323% | 2,676 |
| Noncurrent loans to loans | 0.1482% | 2,813 |
| Net loans and leases to total assets | 81.0600% | 530 |
| Net loans and leases to deposits | 96.5192% | 720 |
| Net loans and leases to core deposits | 110.9889% | 838 |
| Total domestic deposits to total assets | 83.9900% | 2,778 |
| Equity capital to assets | 9.9214% | 1,872 |
| Core capital (leverage) ratio | 10.4728% | 2,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $923,022,500 | 1,064 |
| Average earning assets | $857,761,000 | 1,049 |
| Average equity | $95,228,000 | 977 |
| Average total loans | $769,793,750 | 891 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9418% | 1,674 |
| Cost of funding earning assets | 1.1124% | 2,244 |
| Net interest margin | 3.8294% | 1,564 |
| Noninterest income to average assets | 2.0200% | 239 |
| Noninterest expense to average assets | 3.7048% | 435 |
| Loan and lease loss provision to assets | -0.0600% | 4,518 |
| Net operating income to assets | 1.9343% | 527 |
| Return on assets (ROA) | 1.9347% | 524 |
| Pretax return on assets | 1.9352% | 824 |
| Return on Equity (ROE) | 18.5000% | 894 |
| Retained earnings to average equity (ytd only) | 5.1823% | 2,894 |
| Net charge-offs to loans | -0.0021% | 3,541 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.2200% | 2,206 |
| Assets per employee ($millions) | 4.1231% | 4,135 |
| Cash dividends to net income (ytd only)* | 71.9835% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7952% | 4,037 |
| Loan loss allowance to noncurrent loans | 6,980.8989% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 3,602 |
| Noncurrent loans to loans | 0.0114% | 3,699 |
| Net loans and leases to total assets | 83.9200% | 276 |
| Net loans and leases to deposits | 100.2597% | 503 |
| Net loans and leases to core deposits | 110.2363% | 818 |
| Total domestic deposits to total assets | 83.7000% | 2,893 |
| Equity capital to assets | 10.2799% | 1,698 |
| Core capital (leverage) ratio | 10.6692% | 2,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $904,720,333 | 1,076 |
| Average earning assets | $838,927,667 | 1,065 |
| Average equity | $94,629,333 | 980 |
| Average total loans | $760,063,667 | 887 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8490% | 1,507 |
| Cost of funding earning assets | 0.8635% | 2,493 |
| Net interest margin | 3.9856% | 1,289 |
| Noninterest income to average assets | 2.2000% | 211 |
| Noninterest expense to average assets | 3.7664% | 420 |
| Loan and lease loss provision to assets | -0.2100% | 4,629 |
| Net operating income to assets | 2.3429% | 304 |
| Return on assets (ROA) | 2.3434% | 304 |
| Pretax return on assets | 2.3434% | 447 |
| Return on Equity (ROE) | 22.2100% | 565 |
| Retained earnings to average equity (ytd only) | 20.9373% | 323 |
| Net charge-offs to loans | -0.0080% | 3,777 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.5792% | 2,514 |
| Assets per employee ($millions) | 4.0631% | 4,225 |
| Cash dividends to net income (ytd only)* | 5.7197% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8144% | 4,062 |
| Loan loss allowance to noncurrent loans | 150,975.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 3,732 |
| Noncurrent loans to loans | 0.0005% | 3,881 |
| Net loans and leases to total assets | 82.2800% | 343 |
| Net loans and leases to deposits | 94.9672% | 723 |
| Net loans and leases to core deposits | 101.3056% | 1,032 |
| Total domestic deposits to total assets | 86.6400% | 2,394 |
| Equity capital to assets | 10.9873% | 1,342 |
| Core capital (leverage) ratio | 10.9033% | 1,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $895,291,500 | 1,100 |
| Average earning assets | $830,599,000 | 1,094 |
| Average equity | $94,472,500 | 990 |
| Average total loans | $749,445,500 | 909 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1545% | 1,342 |
| Cost of funding earning assets | 0.4025% | 2,078 |
| Net interest margin | 3.7520% | 1,261 |
| Noninterest income to average assets | 1.9900% | 245 |
| Noninterest expense to average assets | 3.8199% | 377 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6640% | 589 |
| Return on assets (ROA) | 1.6625% | 561 |
| Pretax return on assets | 1.6627% | 1,009 |
| Return on Equity (ROE) | 16.7600% | 902 |
| Retained earnings to average equity (ytd only) | 11.7139% | 732 |
| Net charge-offs to loans | -0.0085% | 3,756 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.2664% | 1,789 |
| Assets per employee ($millions) | 3.9329% | 4,308 |
| Cash dividends to net income (ytd only)* | 30.1225% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0978% | 2,905 |
| Loan loss allowance to noncurrent loans | 33,260.0000% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 3,709 |
| Noncurrent loans to loans | 0.0033% | 3,858 |
| Net loans and leases to total assets | 83.5400% | 293 |
| Net loans and leases to deposits | 95.3959% | 683 |
| Net loans and leases to core deposits | 99.9762% | 1,005 |
| Total domestic deposits to total assets | 87.5700% | 2,213 |
| Equity capital to assets | 10.1183% | 1,654 |
| Core capital (leverage) ratio | 10.4156% | 2,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $878,632,000 | 1,100 |
| Average earning assets | $818,656,800 | 1,086 |
| Average equity | $87,135,800 | 1,062 |
| Average total loans | $697,440,600 | 913 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9405% | 1,381 |
| Cost of funding earning assets | 0.3579% | 1,639 |
| Net interest margin | 3.5826% | 1,430 |
| Noninterest income to average assets | 1.9700% | 272 |
| Noninterest expense to average assets | 3.5064% | 488 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.8061% | 426 |
| Return on assets (ROA) | 1.8066% | 413 |
| Pretax return on assets | 1.8069% | 723 |
| Return on Equity (ROE) | 18.3100% | 605 |
| Retained earnings to average equity (ytd only) | 12.1275% | 765 |
| Net charge-offs to loans | -0.0107% | 3,735 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.5967% | 2,333 |
| Assets per employee ($millions) | 3.7756% | 4,407 |
| Cash dividends to net income (ytd only)* | 33.7724% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1507% | 2,790 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 3,845 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 82.2200% | 367 |
| Net loans and leases to deposits | 93.6215% | 661 |
| Net loans and leases to core deposits | 99.0441% | 855 |
| Total domestic deposits to total assets | 87.8200% | 2,479 |
| Equity capital to assets | 10.0335% | 1,605 |
| Core capital (leverage) ratio | 9.9629% | 2,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $874,115,250 | 1,113 |
| Average earning assets | $816,630,750 | 1,096 |
| Average equity | $86,237,000 | 1,081 |
| Average total loans | $682,450,500 | 926 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6793% | 1,594 |
| Cost of funding earning assets | 0.3271% | 1,464 |
| Net interest margin | 3.3522% | 1,749 |
| Noninterest income to average assets | 1.8997% | 248 |
| Noninterest expense to average assets | 3.3590% | 505 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6735% | 457 |
| Return on assets (ROA) | 1.6739% | 452 |
| Pretax return on assets | 1.6744% | 800 |
| Return on Equity (ROE) | 17.0632% | 562 |
| Retained earnings to average equity (ytd only) | 8.6852% | 1,377 |
| Net charge-offs to loans | -0.0132% | 3,700 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3189% | 2,465 |
| Assets per employee ($millions) | 3.9310% | 4,398 |
| Cash dividends to net income (ytd only)* | 49.0998% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1856% | 2,763 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 3,902 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 78.5610% | 517 |
| Net loans and leases to deposits | 89.2182% | 764 |
| Net loans and leases to core deposits | 94.5409% | 890 |
| Total domestic deposits to total assets | 88.0549% | 2,553 |
| Equity capital to assets | 9.6631% | 1,902 |
| Core capital (leverage) ratio | 9.7518% | 2,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $876,024,667 | 1,102 |
| Average earning assets | $818,805,333 | 1,098 |
| Average equity | $85,939,333 | 1,098 |
| Average total loans | $669,175,667 | 929 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5355% | 1,683 |
| Cost of funding earning assets | 0.3464% | 1,241 |
| Net interest margin | 3.1891% | 1,915 |
| Noninterest income to average assets | 2.1356% | 218 |
| Noninterest expense to average assets | 3.4087% | 465 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7057% | 407 |
| Return on assets (ROA) | 1.7062% | 410 |
| Pretax return on assets | 1.7071% | 672 |
| Return on Equity (ROE) | 17.2616% | 394 |
| Retained earnings to average equity (ytd only) | 17.2616% | 167 |
| Net charge-offs to loans | -0.0184% | 3,869 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2162% | 2,743 |
| Assets per employee ($millions) | 3.8862% | 4,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 2,562 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1862% | 2,514 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 74.4323% | 630 |
| Net loans and leases to deposits | 84.7669% | 828 |
| Net loans and leases to core deposits | 90.3615% | 907 |
| Total domestic deposits to total assets | 87.8082% | 2,619 |
| Equity capital to assets | 9.9155% | 1,962 |
| Core capital (leverage) ratio | 9.5383% | 2,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $873,765,000 | 1,106 |
| Average earning assets | $816,407,000 | 1,107 |
| Average equity | $86,365,000 | 1,127 |
| Average total loans | $653,731,500 | 940 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1754% | 1,033 |
| Cost of funding earning assets | 0.5242% | 819 |
| Net interest margin | 3.6512% | 1,337 |
| Noninterest income to average assets | 1.9077% | 342 |
| Noninterest expense to average assets | 3.6430% | 404 |
| Loan and lease loss provision to assets | 0.0293% | 2,472 |
| Net operating income to assets | 1.6412% | 724 |
| Return on assets (ROA) | 1.6474% | 748 |
| Pretax return on assets | 1.6476% | 1,283 |
| Return on Equity (ROE) | 17.0602% | 580 |
| Retained earnings to average equity (ytd only) | 9.2934% | 1,103 |
| Net charge-offs to loans | -0.0061% | 3,597 |
| Credit loss provision to net charge-offs | -675.6757% | 3,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6782% | 2,031 |
| Assets per employee ($millions) | 3.6997% | 4,530 |
| Cash dividends to net income (ytd only)* | 45.5257% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 2,483 |
| Loan loss allowance to noncurrent loans | 3,276.1905% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 2,046 |
| Noncurrent loans to loans | 0.0389% | 3,800 |
| Net loans and leases to total assets | 73.3094% | 722 |
| Net loans and leases to deposits | 83.5362% | 943 |
| Net loans and leases to core deposits | 90.0735% | 968 |
| Total domestic deposits to total assets | 87.7576% | 2,170 |
| Equity capital to assets | 9.8530% | 2,795 |
| Core capital (leverage) ratio | 9.4326% | 2,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $853,343,600 | 1,085 |
| Average earning assets | $796,038,400 | 1,093 |
| Average equity | $82,402,200 | 1,169 |
| Average total loans | $610,095,000 | 994 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2970% | 958 |
| Cost of funding earning assets | 0.5672% | 756 |
| Net interest margin | 3.7298% | 1,276 |
| Noninterest income to average assets | 1.8555% | 381 |
| Noninterest expense to average assets | 3.4922% | 463 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.8423% | 617 |
| Return on assets (ROA) | 1.8417% | 645 |
| Pretax return on assets | 1.8420% | 1,062 |
| Return on Equity (ROE) | 19.1728% | 495 |
| Retained earnings to average equity (ytd only) | 9.1929% | 1,618 |
| Net charge-offs to loans | -0.0056% | 3,465 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5761% | 2,306 |
| Assets per employee ($millions) | 3.6293% | 4,597 |
| Cash dividends to net income (ytd only)* | 52.0522% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2571% | 2,695 |
| Loan loss allowance to noncurrent loans | 957.3653% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.3754% | 1,945 |
| Noncurrent loans to loans | 0.1313% | 3,451 |
| Net loans and leases to total assets | 73.9378% | 700 |
| Net loans and leases to deposits | 84.3811% | 936 |
| Net loans and leases to core deposits | 91.4025% | 955 |
| Total domestic deposits to total assets | 87.6237% | 2,049 |
| Equity capital to assets | 9.9150% | 2,986 |
| Core capital (leverage) ratio | 9.3975% | 3,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $848,394,750 | 1,102 |
| Average earning assets | $791,408,000 | 1,109 |
| Average equity | $81,495,250 | 1,204 |
| Average total loans | $600,531,500 | 1,028 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2624% | 1,067 |
| Cost of funding earning assets | 0.6140% | 695 |
| Net interest margin | 3.6484% | 1,472 |
| Noninterest income to average assets | 1.8394% | 373 |
| Noninterest expense to average assets | 3.3892% | 543 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8559% | 642 |
| Return on assets (ROA) | 1.8557% | 673 |
| Pretax return on assets | 1.8561% | 1,108 |
| Return on Equity (ROE) | 19.5278% | 496 |
| Retained earnings to average equity (ytd only) | 5.6308% | 2,948 |
| Net charge-offs to loans | -0.0078% | 3,581 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7116% | 2,468 |
| Assets per employee ($millions) | 3.6377% | 4,620 |
| Cash dividends to net income (ytd only)* | 71.1653% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2891% | 2,490 |
| Loan loss allowance to noncurrent loans | 407.9122% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.5087% | 1,640 |
| Noncurrent loans to loans | 0.3160% | 2,787 |
| Net loans and leases to total assets | 72.1938% | 943 |
| Net loans and leases to deposits | 83.2394% | 1,111 |
| Net loans and leases to core deposits | 90.4592% | 1,110 |
| Total domestic deposits to total assets | 86.7303% | 2,457 |
| Equity capital to assets | 9.5606% | 3,279 |
| Core capital (leverage) ratio | 8.8787% | 3,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $848,110,000 | 1,099 |
| Average earning assets | $791,808,333 | 1,101 |
| Average equity | $80,592,667 | 1,210 |
| Average total loans | $588,738,667 | 1,047 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7378% | 2,262 |
| Cost of funding earning assets | 0.6638% | 637 |
| Net interest margin | 3.0741% | 3,072 |
| Noninterest income to average assets | 2.0467% | 360 |
| Noninterest expense to average assets | 3.3773% | 540 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5399% | 1,239 |
| Return on assets (ROA) | 1.5404% | 1,303 |
| Pretax return on assets | 1.5413% | 1,881 |
| Return on Equity (ROE) | 16.2594% | 969 |
| Retained earnings to average equity (ytd only) | 14.7663% | 651 |
| Net charge-offs to loans | -0.0091% | 3,633 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7116% | 1,968 |
| Assets per employee ($millions) | 3.6246% | 4,650 |
| Cash dividends to net income (ytd only)* | 9.1827% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3766% | 2,071 |
| Loan loss allowance to noncurrent loans | 293.9963% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.5853% | 1,625 |
| Noncurrent loans to loans | 0.4682% | 2,450 |
| Net loans and leases to total assets | 66.2893% | 1,759 |
| Net loans and leases to deposits | 76.1590% | 1,890 |
| Net loans and leases to core deposits | 83.2879% | 1,734 |
| Total domestic deposits to total assets | 87.0407% | 2,300 |
| Equity capital to assets | 9.4662% | 3,234 |
| Core capital (leverage) ratio | 8.8421% | 3,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $848,372,500 | 1,093 |
| Average earning assets | $792,438,500 | 1,090 |
| Average equity | $80,372,000 | 1,204 |
| Average total loans | $573,160,500 | 1,078 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5457% | 1,198 |
| Cost of funding earning assets | 0.9118% | 827 |
| Net interest margin | 3.6339% | 2,029 |
| Noninterest income to average assets | 1.9589% | 342 |
| Noninterest expense to average assets | 3.8638% | 428 |
| Loan and lease loss provision to assets | 0.1330% | 2,697 |
| Net operating income to assets | 1.3213% | 1,196 |
| Return on assets (ROA) | 1.3308% | 1,269 |
| Pretax return on assets | 1.3310% | 1,876 |
| Return on Equity (ROE) | 13.7357% | 875 |
| Retained earnings to average equity (ytd only) | 6.4316% | 1,619 |
| Net charge-offs to loans | -0.0194% | 4,418 |
| Credit loss provision to net charge-offs | -923.0088% | 4,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6813% | 1,724 |
| Assets per employee ($millions) | 3.5193% | 4,642 |
| Cash dividends to net income (ytd only)* | 53.1762% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4067% | 1,945 |
| Loan loss allowance to noncurrent loans | 222.3493% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.6986% | 1,491 |
| Noncurrent loans to loans | 0.6327% | 2,110 |
| Net loans and leases to total assets | 66.9618% | 1,958 |
| Net loans and leases to deposits | 77.7647% | 2,099 |
| Net loans and leases to core deposits | 86.4177% | 1,834 |
| Total domestic deposits to total assets | 86.1082% | 2,319 |
| Equity capital to assets | 9.4814% | 3,636 |
| Core capital (leverage) ratio | 8.8635% | 3,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $784,284,000 | 1,077 |
| Average earning assets | $725,053,000 | 1,071 |
| Average equity | $75,984,600 | 1,208 |
| Average total loans | $581,050,800 | 1,006 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7033% | 1,059 |
| Cost of funding earning assets | 0.9652% | 861 |
| Net interest margin | 3.7381% | 1,804 |
| Noninterest income to average assets | 1.9845% | 324 |
| Noninterest expense to average assets | 3.8931% | 417 |
| Loan and lease loss provision to assets | 0.1769% | 2,217 |
| Net operating income to assets | 1.3643% | 1,190 |
| Return on assets (ROA) | 1.3750% | 1,260 |
| Pretax return on assets | 1.3754% | 1,810 |
| Return on Equity (ROE) | 14.1112% | 861 |
| Retained earnings to average equity (ytd only) | 5.1588% | 2,497 |
| Net charge-offs to loans | -0.0203% | 4,430 |
| Credit loss provision to net charge-offs | -1,150.5618% | 3,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6684% | 1,797 |
| Assets per employee ($millions) | 3.5682% | 4,629 |
| Cash dividends to net income (ytd only)* | 63.4422% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3453% | 1,979 |
| Loan loss allowance to noncurrent loans | 273.6878% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.6413% | 1,817 |
| Noncurrent loans to loans | 0.4915% | 2,591 |
| Net loans and leases to total assets | 71.1353% | 1,797 |
| Net loans and leases to deposits | 83.9463% | 1,917 |
| Net loans and leases to core deposits | 95.8679% | 1,467 |
| Total domestic deposits to total assets | 84.7391% | 2,536 |
| Equity capital to assets | 9.4264% | 3,746 |
| Core capital (leverage) ratio | 8.8338% | 3,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $771,834,250 | 1,074 |
| Average earning assets | $712,392,500 | 1,072 |
| Average equity | $75,210,000 | 1,208 |
| Average total loans | $584,692,000 | 994 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9346% | 919 |
| Cost of funding earning assets | 1.0024% | 982 |
| Net interest margin | 3.9322% | 1,488 |
| Noninterest income to average assets | 1.9172% | 310 |
| Noninterest expense to average assets | 4.0508% | 389 |
| Loan and lease loss provision to assets | 0.2463% | 1,711 |
| Net operating income to assets | 1.2419% | 1,515 |
| Return on assets (ROA) | 1.2580% | 1,589 |
| Pretax return on assets | 1.2586% | 2,156 |
| Return on Equity (ROE) | 12.7605% | 1,160 |
| Retained earnings to average equity (ytd only) | 0.8310% | 4,131 |
| Net charge-offs to loans | -0.0261% | 4,492 |
| Credit loss provision to net charge-offs | -1,226.3158% | 3,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1517% | 1,660 |
| Assets per employee ($millions) | 3.9940% | 4,321 |
| Cash dividends to net income (ytd only)* | 93.4874% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 2,149 |
| Loan loss allowance to noncurrent loans | 418.9073% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.4936% | 2,356 |
| Noncurrent loans to loans | 0.3037% | 3,300 |
| Net loans and leases to total assets | 72.0263% | 1,702 |
| Net loans and leases to deposits | 90.2155% | 1,337 |
| Net loans and leases to core deposits | 104.4774% | 973 |
| Total domestic deposits to total assets | 79.8380% | 3,870 |
| Equity capital to assets | 8.8284% | 4,235 |
| Core capital (leverage) ratio | 8.8455% | 4,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $756,741,333 | 1,078 |
| Average earning assets | $697,119,000 | 1,081 |
| Average equity | $74,605,333 | 1,209 |
| Average total loans | $583,195,333 | 982 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3334% | 516 |
| Cost of funding earning assets | 1.0851% | 1,093 |
| Net interest margin | 4.2484% | 834 |
| Noninterest income to average assets | 2.1139% | 248 |
| Noninterest expense to average assets | 4.3854% | 337 |
| Loan and lease loss provision to assets | 0.0510% | 3,140 |
| Net operating income to assets | 1.5647% | 673 |
| Return on assets (ROA) | 1.5647% | 739 |
| Pretax return on assets | 1.5658% | 1,139 |
| Return on Equity (ROE) | 14.9490% | 554 |
| Retained earnings to average equity (ytd only) | 11.4687% | 486 |
| Net charge-offs to loans | -0.0127% | 4,161 |
| Credit loss provision to net charge-offs | -505.5556% | 3,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1289% | 2,058 |
| Assets per employee ($millions) | 3.1298% | 4,736 |
| Cash dividends to net income (ytd only)* | 23.2808% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 2,670 |
| Loan loss allowance to noncurrent loans | 388.6019% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.4643% | 2,614 |
| Noncurrent loans to loans | 0.3089% | 3,390 |
| Net loans and leases to total assets | 80.1665% | 682 |
| Net loans and leases to deposits | 96.1149% | 897 |
| Net loans and leases to core deposits | 110.8907% | 807 |
| Total domestic deposits to total assets | 83.4069% | 2,977 |
| Equity capital to assets | 10.6821% | 3,159 |
| Core capital (leverage) ratio | 9.6394% | 3,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $713,740,000 | 1,093 |
| Average earning assets | $653,239,000 | 1,105 |
| Average equity | $74,707,500 | 1,204 |
| Average total loans | $567,384,000 | 984 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4715% | 590 |
| Cost of funding earning assets | 1.0185% | 1,643 |
| Net interest margin | 4.4530% | 793 |
| Noninterest income to average assets | 2.1875% | 230 |
| Noninterest expense to average assets | 4.3934% | 339 |
| Loan and lease loss provision to assets | 0.2296% | 835 |
| Net operating income to assets | 1.6413% | 753 |
| Return on assets (ROA) | 1.6413% | 798 |
| Pretax return on assets | 1.6416% | 1,360 |
| Return on Equity (ROE) | 15.8269% | 564 |
| Retained earnings to average equity (ytd only) | 9.1844% | 667 |
| Net charge-offs to loans | 0.0314% | 2,763 |
| Credit loss provision to net charge-offs | 898.2036% | 377 |
| Earnings coverage of net charge-offs (x) | 73.1976% | 855 |
| Efficiency ratio | 69.1289% | 2,299 |
| Assets per employee ($millions) | 3.3982% | 4,567 |
| Cash dividends to net income (ytd only)* | 41.9698% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 2,318 |
| Loan loss allowance to noncurrent loans | 295.7031% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.5330% | 2,294 |
| Noncurrent loans to loans | 0.4127% | 2,962 |
| Net loans and leases to total assets | 76.9132% | 1,270 |
| Net loans and leases to deposits | 91.3238% | 1,451 |
| Net loans and leases to core deposits | 107.6641% | 995 |
| Total domestic deposits to total assets | 84.2203% | 2,781 |
| Equity capital to assets | 10.2539% | 3,672 |
| Core capital (leverage) ratio | 9.9462% | 3,574 |
| Tier 1 risk-based capital ratio | 11.5889% | 4,582 |
| Total risk-based capital ratio | 12.7755% | 4,496 |
| Memoranda: | ||
| Average total assets | $653,269,200 | 1,145 |
| Average earning assets | $598,131,800 | 1,155 |
| Average equity | $67,745,600 | 1,246 |
| Average total loans | $532,151,000 | 1,014 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5074% | 576 |
| Cost of funding earning assets | 0.9922% | 1,799 |
| Net interest margin | 4.5152% | 744 |
| Noninterest income to average assets | 2.2753% | 220 |
| Noninterest expense to average assets | 4.3432% | 347 |
| Loan and lease loss provision to assets | 0.1697% | 1,090 |
| Net operating income to assets | 1.9041% | 487 |
| Return on assets (ROA) | 1.9041% | 507 |
| Pretax return on assets | 1.9046% | 858 |
| Return on Equity (ROE) | 18.3038% | 368 |
| Retained earnings to average equity (ytd only) | 9.4556% | 908 |
| Net charge-offs to loans | 0.0360% | 2,362 |
| Credit loss provision to net charge-offs | 571.1268% | 567 |
| Earnings coverage of net charge-offs (x) | 69.8234% | 950 |
| Efficiency ratio | 66.6743% | 2,640 |
| Assets per employee ($millions) | 3.0743% | 4,854 |
| Cash dividends to net income (ytd only)* | 48.3410% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1288% | 2,880 |
| Loan loss allowance to noncurrent loans | 253.6304% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.6020% | 2,202 |
| Noncurrent loans to loans | 0.4451% | 2,976 |
| Net loans and leases to total assets | 82.2329% | 540 |
| Net loans and leases to deposits | 99.6604% | 661 |
| Net loans and leases to core deposits | 115.8348% | 665 |
| Total domestic deposits to total assets | 82.5131% | 3,309 |
| Equity capital to assets | 10.7440% | 3,340 |
| Core capital (leverage) ratio | 9.9582% | 3,684 |
| Tier 1 risk-based capital ratio | 11.5303% | 4,655 |
| Total risk-based capital ratio | 12.6508% | 4,617 |
| Memoranda: | ||
| Average total assets | $637,333,500 | 1,170 |
| Average earning assets | $584,678,250 | 1,183 |
| Average equity | $66,301,500 | 1,274 |
| Average total loans | $525,616,250 | 1,023 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4321% | 641 |
| Cost of funding earning assets | 0.9295% | 2,014 |
| Net interest margin | 4.5025% | 766 |
| Noninterest income to average assets | 2.2508% | 224 |
| Noninterest expense to average assets | 4.3829% | 342 |
| Loan and lease loss provision to assets | 0.1970% | 879 |
| Net operating income to assets | 1.8078% | 581 |
| Return on assets (ROA) | 1.8078% | 603 |
| Pretax return on assets | 1.8084% | 1,010 |
| Return on Equity (ROE) | 17.5765% | 402 |
| Retained earnings to average equity (ytd only) | 4.0277% | 3,236 |
| Net charge-offs to loans | 0.0512% | 1,914 |
| Credit loss provision to net charge-offs | 467.6692% | 632 |
| Earnings coverage of net charge-offs (x) | 47.6090% | 1,131 |
| Efficiency ratio | 67.5921% | 2,600 |
| Assets per employee ($millions) | 2.8703% | 4,981 |
| Cash dividends to net income (ytd only)* | 77.0848% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 2,968 |
| Loan loss allowance to noncurrent loans | 366.3597% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.5049% | 2,529 |
| Noncurrent loans to loans | 0.3055% | 3,452 |
| Net loans and leases to total assets | 82.7501% | 507 |
| Net loans and leases to deposits | 100.5500% | 637 |
| Net loans and leases to core deposits | 116.8035% | 652 |
| Total domestic deposits to total assets | 82.2975% | 3,435 |
| Equity capital to assets | 10.4785% | 3,534 |
| Core capital (leverage) ratio | 9.5009% | 4,142 |
| Tier 1 risk-based capital ratio | 11.1936% | 4,837 |
| Total risk-based capital ratio | 12.3117% | 4,795 |
| Memoranda: | ||
| Average total assets | $631,500,330 | 1,175 |
| Average earning assets | $580,295,330 | 1,185 |
| Average equity | $64,950,330 | 1,293 |
| Average total loans | $519,276,330 | 1,037 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2731% | 793 |
| Cost of funding earning assets | 0.8135% | 2,457 |
| Net interest margin | 4.4596% | 803 |
| Noninterest income to average assets | 2.4274% | 192 |
| Noninterest expense to average assets | 4.3146% | 360 |
| Loan and lease loss provision to assets | 0.1177% | 1,495 |
| Net operating income to assets | 2.0819% | 337 |
| Return on assets (ROA) | 2.0819% | 354 |
| Pretax return on assets | 2.0832% | 546 |
| Return on Equity (ROE) | 20.4369% | 242 |
| Retained earnings to average equity (ytd only) | -7.0455% | 5,009 |
| Net charge-offs to loans | 0.1124% | 1,062 |
| Credit loss provision to net charge-offs | 128.4722% | 1,362 |
| Earnings coverage of net charge-offs (x) | 24.0208% | 1,458 |
| Efficiency ratio | 65.2148% | 3,056 |
| Assets per employee ($millions) | 3.0603% | 4,942 |
| Cash dividends to net income (ytd only)* | 134.4743% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 3,208 |
| Loan loss allowance to noncurrent loans | 162.1145% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.7766% | 1,816 |
| Noncurrent loans to loans | 0.6692% | 2,345 |
| Net loans and leases to total assets | 77.9451% | 1,164 |
| Net loans and leases to deposits | 94.9853% | 1,064 |
| Net loans and leases to core deposits | 111.6957% | 849 |
| Total domestic deposits to total assets | 82.0602% | 3,709 |
| Equity capital to assets | 9.8745% | 3,940 |
| Core capital (leverage) ratio | 9.3912% | 4,267 |
| Tier 1 risk-based capital ratio | 11.1223% | 4,923 |
| Total risk-based capital ratio | 12.2008% | 4,903 |
| Memoranda: | ||
| Average total assets | $628,649,500 | 1,180 |
| Average earning assets | $576,279,500 | 1,194 |
| Average equity | $64,041,000 | 1,298 |
| Average total loans | $512,288,000 | 1,052 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3284% | 553 |
| Cost of funding earning assets | 0.6596% | 2,327 |
| Net interest margin | 4.6688% | 521 |
| Noninterest income to average assets | 2.2856% | 226 |
| Noninterest expense to average assets | 4.6355% | 268 |
| Loan and lease loss provision to assets | 0.0431% | 3,321 |
| Net operating income to assets | 1.8857% | 465 |
| Return on assets (ROA) | 1.8857% | 461 |
| Pretax return on assets | 1.8861% | 744 |
| Return on Equity (ROE) | 17.9932% | 388 |
| Retained earnings to average equity (ytd only) | 10.3383% | 559 |
| Net charge-offs to loans | -0.0162% | 4,634 |
| Credit loss provision to net charge-offs | -316.4557% | 4,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5138% | 2,282 |
| Assets per employee ($millions) | 3.0579% | 4,961 |
| Cash dividends to net income (ytd only)* | 42.5435% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0623% | 3,308 |
| Loan loss allowance to noncurrent loans | 205.2060% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.6998% | 1,980 |
| Noncurrent loans to loans | 0.5177% | 2,727 |
| Net loans and leases to total assets | 83.4349% | 463 |
| Net loans and leases to deposits | 103.7970% | 488 |
| Net loans and leases to core deposits | 112.9774% | 834 |
| Total domestic deposits to total assets | 80.3828% | 4,018 |
| Equity capital to assets | 10.5171% | 3,165 |
| Core capital (leverage) ratio | 9.7754% | 3,835 |
| Tier 1 risk-based capital ratio | 11.1020% | 4,925 |
| Total risk-based capital ratio | 12.1522% | 4,906 |
| Memoranda: | ||
| Average total assets | $579,619,600 | 1,240 |
| Average earning assets | $531,225,400 | 1,248 |
| Average equity | $60,745,200 | 1,305 |
| Average total loans | $488,239,600 | 1,071 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2483% | 567 |
| Cost of funding earning assets | 0.5965% | 2,497 |
| Net interest margin | 4.6518% | 524 |
| Noninterest income to average assets | 2.3726% | 220 |
| Noninterest expense to average assets | 4.6553% | 257 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.9952% | 383 |
| Return on assets (ROA) | 1.9952% | 378 |
| Pretax return on assets | 1.9956% | 626 |
| Return on Equity (ROE) | 19.0556% | 336 |
| Retained earnings to average equity (ytd only) | 10.0335% | 913 |
| Net charge-offs to loans | -0.1105% | 5,191 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8936% | 2,374 |
| Assets per employee ($millions) | 2.8794% | 5,120 |
| Cash dividends to net income (ytd only)* | 47.3463% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0759% | 3,320 |
| Loan loss allowance to noncurrent loans | 237.4840% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.6808% | 2,157 |
| Noncurrent loans to loans | 0.4530% | 3,028 |
| Net loans and leases to total assets | 85.6174% | 298 |
| Net loans and leases to deposits | 114.2081% | 179 |
| Net loans and leases to core deposits | 118.9293% | 609 |
| Total domestic deposits to total assets | 74.9662% | 4,889 |
| Equity capital to assets | 10.4205% | 3,218 |
| Core capital (leverage) ratio | 9.8322% | 3,816 |
| Tier 1 risk-based capital ratio | 10.8823% | 5,087 |
| Total risk-based capital ratio | 11.9610% | 5,072 |
| Memoranda: | ||
| Average total assets | $571,631,000 | 1,251 |
| Average earning assets | $525,749,250 | 1,257 |
| Average equity | $59,851,500 | 1,325 |
| Average total loans | $481,363,250 | 1,086 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0895% | 676 |
| Cost of funding earning assets | 0.5568% | 2,551 |
| Net interest margin | 4.5328% | 647 |
| Noninterest income to average assets | 2.3716% | 220 |
| Noninterest expense to average assets | 4.6396% | 264 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.9010% | 471 |
| Return on assets (ROA) | 1.9010% | 467 |
| Pretax return on assets | 1.9017% | 768 |
| Return on Equity (ROE) | 18.1256% | 407 |
| Retained earnings to average equity (ytd only) | 4.4197% | 3,391 |
| Net charge-offs to loans | -0.1907% | 5,320 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7938% | 2,352 |
| Assets per employee ($millions) | 2.5771% | 5,312 |
| Cash dividends to net income (ytd only)* | 75.6161% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 3,020 |
| Loan loss allowance to noncurrent loans | 286.5404% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.6792% | 2,205 |
| Noncurrent loans to loans | 0.3990% | 3,256 |
| Net loans and leases to total assets | 85.3974% | 315 |
| Net loans and leases to deposits | 112.0688% | 235 |
| Net loans and leases to core deposits | 116.4034% | 698 |
| Total domestic deposits to total assets | 76.2009% | 4,837 |
| Equity capital to assets | 10.4033% | 3,208 |
| Core capital (leverage) ratio | 9.6188% | 3,976 |
| Tier 1 risk-based capital ratio | 10.8616% | 5,125 |
| Total risk-based capital ratio | 12.0201% | 5,056 |
| Memoranda: | ||
| Average total assets | $563,496,670 | 1,265 |
| Average earning assets | $518,359,000 | 1,278 |
| Average equity | $59,098,670 | 1,341 |
| Average total loans | $469,864,670 | 1,110 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9169% | 842 |
| Cost of funding earning assets | 0.5346% | 2,512 |
| Net interest margin | 4.3823% | 797 |
| Noninterest income to average assets | 2.6937% | 180 |
| Noninterest expense to average assets | 4.6511% | 263 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.0685% | 318 |
| Return on assets (ROA) | 2.0685% | 319 |
| Pretax return on assets | 2.0699% | 499 |
| Return on Equity (ROE) | 19.6428% | 272 |
| Retained earnings to average equity (ytd only) | 15.2477% | 308 |
| Net charge-offs to loans | -0.2157% | 5,392 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0898% | 2,818 |
| Assets per employee ($millions) | 2.6650% | 5,349 |
| Cash dividends to net income (ytd only)* | 22.3752% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 2,848 |
| Loan loss allowance to noncurrent loans | 204.1982% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.7838% | 2,007 |
| Noncurrent loans to loans | 0.5842% | 2,787 |
| Net loans and leases to total assets | 78.7804% | 1,119 |
| Net loans and leases to deposits | 100.3541% | 679 |
| Net loans and leases to core deposits | 103.9955% | 1,377 |
| Total domestic deposits to total assets | 78.5024% | 4,648 |
| Equity capital to assets | 10.5693% | 3,004 |
| Core capital (leverage) ratio | 9.6927% | 3,858 |
| Tier 1 risk-based capital ratio | 11.8613% | 4,640 |
| Total risk-based capital ratio | 13.0614% | 4,553 |
| Memoranda: | ||
| Average total assets | $561,762,000 | 1,278 |
| Average earning assets | $516,255,000 | 1,293 |
| Average equity | $59,156,500 | 1,346 |
| Average total loans | $459,910,500 | 1,138 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8267% | 929 |
| Cost of funding earning assets | 0.5151% | 2,209 |
| Net interest margin | 4.3115% | 942 |
| Noninterest income to average assets | 2.3475% | 236 |
| Noninterest expense to average assets | 4.7990% | 252 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.5058% | 790 |
| Return on assets (ROA) | 1.4818% | 863 |
| Pretax return on assets | 1.4822% | 1,711 |
| Return on Equity (ROE) | 14.4794% | 693 |
| Retained earnings to average equity (ytd only) | 4.8939% | 2,193 |
| Net charge-offs to loans | -0.0278% | 5,043 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9078% | 1,776 |
| Assets per employee ($millions) | 2.7519% | 5,359 |
| Cash dividends to net income (ytd only)* | 66.2008% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1025% | 3,342 |
| Loan loss allowance to noncurrent loans | 170.7891% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.8255% | 1,890 |
| Noncurrent loans to loans | 0.6455% | 2,610 |
| Net loans and leases to total assets | 83.1256% | 541 |
| Net loans and leases to deposits | 104.3952% | 477 |
| Net loans and leases to core deposits | 108.1876% | 1,111 |
| Total domestic deposits to total assets | 79.6259% | 4,408 |
| Equity capital to assets | 10.4910% | 3,178 |
| Core capital (leverage) ratio | 9.5467% | 3,983 |
| Tier 1 risk-based capital ratio | 11.2220% | 5,028 |
| Total risk-based capital ratio | 12.3421% | 4,977 |
| Memoranda: | ||
| Average total assets | $550,467,800 | 1,281 |
| Average earning assets | $505,297,000 | 1,286 |
| Average equity | $56,335,200 | 1,388 |
| Average total loans | $438,405,000 | 1,149 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7480% | 1,036 |
| Cost of funding earning assets | 0.5109% | 2,179 |
| Net interest margin | 4.2371% | 1,069 |
| Noninterest income to average assets | 2.3805% | 239 |
| Noninterest expense to average assets | 4.7770% | 252 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4974% | 901 |
| Return on assets (ROA) | 1.4836% | 945 |
| Pretax return on assets | 1.4840% | 1,826 |
| Return on Equity (ROE) | 14.5890% | 721 |
| Retained earnings to average equity (ytd only) | 2.8891% | 4,181 |
| Net charge-offs to loans | -0.0566% | 5,202 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9178% | 1,758 |
| Assets per employee ($millions) | 2.5777% | 5,491 |
| Cash dividends to net income (ytd only)* | 80.1964% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 3,258 |
| Loan loss allowance to noncurrent loans | 172.8117% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.5771% | 2,795 |
| Noncurrent loans to loans | 0.6591% | 2,723 |
| Net loans and leases to total assets | 83.5735% | 482 |
| Net loans and leases to deposits | 105.2794% | 444 |
| Net loans and leases to core deposits | 109.0422% | 1,087 |
| Total domestic deposits to total assets | 79.3826% | 4,465 |
| Equity capital to assets | 10.5130% | 3,361 |
| Core capital (leverage) ratio | 9.4143% | 4,273 |
| Tier 1 risk-based capital ratio | 10.9879% | 5,252 |
| Total risk-based capital ratio | 12.1344% | 5,202 |
| Memoranda: | ||
| Average total assets | $549,115,250 | 1,294 |
| Average earning assets | $504,704,500 | 1,296 |
| Average equity | $55,839,750 | 1,408 |
| Average total loans | $431,199,250 | 1,171 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5789% | 1,300 |
| Cost of funding earning assets | 0.4989% | 2,169 |
| Net interest margin | 4.0800% | 1,384 |
| Noninterest income to average assets | 2.3255% | 255 |
| Noninterest expense to average assets | 4.7731% | 257 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3050% | 1,282 |
| Return on assets (ROA) | 1.3050% | 1,305 |
| Pretax return on assets | 1.3057% | 2,361 |
| Return on Equity (ROE) | 12.9768% | 1,037 |
| Retained earnings to average equity (ytd only) | -2.8837% | 5,420 |
| Net charge-offs to loans | -0.0597% | 5,248 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2795% | 1,553 |
| Assets per employee ($millions) | 2.6666% | 5,485 |
| Cash dividends to net income (ytd only)* | 122.2222% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1535% | 3,295 |
| Loan loss allowance to noncurrent loans | 201.9193% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.4832% | 3,156 |
| Noncurrent loans to loans | 0.5712% | 3,013 |
| Net loans and leases to total assets | 80.0322% | 948 |
| Net loans and leases to deposits | 100.9154% | 673 |
| Net loans and leases to core deposits | 104.0177% | 1,348 |
| Total domestic deposits to total assets | 79.3063% | 4,559 |
| Equity capital to assets | 9.9286% | 3,993 |
| Core capital (leverage) ratio | 8.9164% | 4,819 |
| Tier 1 risk-based capital ratio | 10.6085% | 5,424 |
| Total risk-based capital ratio | 11.7519% | 5,387 |
| Memoranda: | ||
| Average total assets | $551,717,330 | 1,298 |
| Average earning assets | $507,543,000 | 1,302 |
| Average equity | $55,483,670 | 1,423 |
| Average total loans | $422,398,000 | 1,189 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3331% | 1,874 |
| Cost of funding earning assets | 0.4863% | 2,196 |
| Net interest margin | 3.8468% | 1,961 |
| Noninterest income to average assets | 2.5490% | 228 |
| Noninterest expense to average assets | 4.7644% | 276 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3227% | 1,185 |
| Return on assets (ROA) | 1.3227% | 1,218 |
| Pretax return on assets | 1.3242% | 2,154 |
| Return on Equity (ROE) | 13.0698% | 984 |
| Retained earnings to average equity (ytd only) | 9.4870% | 926 |
| Net charge-offs to loans | -0.0029% | 4,060 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0129% | 1,756 |
| Assets per employee ($millions) | 2.5729% | 5,600 |
| Cash dividends to net income (ytd only)* | 27.4123% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 2,862 |
| Loan loss allowance to noncurrent loans | 133.0865% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.7137% | 2,511 |
| Noncurrent loans to loans | 0.9358% | 2,169 |
| Net loans and leases to total assets | 71.4676% | 2,146 |
| Net loans and leases to deposits | 88.2442% | 1,763 |
| Net loans and leases to core deposits | 91.8978% | 2,174 |
| Total domestic deposits to total assets | 80.9885% | 4,415 |
| Equity capital to assets | 10.1280% | 3,594 |
| Core capital (leverage) ratio | 9.1231% | 4,580 |
| Tier 1 risk-based capital ratio | 12.2067% | 4,575 |
| Total risk-based capital ratio | 13.4379% | 4,490 |
| Memoranda: | ||
| Average total assets | $551,586,500 | 1,301 |
| Average earning assets | $507,535,000 | 1,297 |
| Average equity | $55,823,500 | 1,412 |
| Average total loans | $410,139,000 | 1,221 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6592% | 1,146 |
| Cost of funding earning assets | 0.5012% | 2,084 |
| Net interest margin | 4.1580% | 1,221 |
| Noninterest income to average assets | 2.4526% | 255 |
| Noninterest expense to average assets | 4.7045% | 313 |
| Loan and lease loss provision to assets | 0.0521% | 3,345 |
| Net operating income to assets | 1.4860% | 855 |
| Return on assets (ROA) | 1.4860% | 875 |
| Pretax return on assets | 1.4864% | 1,632 |
| Return on Equity (ROE) | 14.2765% | 731 |
| Retained earnings to average equity (ytd only) | 1.8447% | 4,481 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0886% | 2,277 |
| Assets per employee ($millions) | 2.7107% | 5,557 |
| Cash dividends to net income (ytd only)* | 87.0790% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 3,073 |
| Loan loss allowance to noncurrent loans | 120.8894% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.8010% | 2,348 |
| Noncurrent loans to loans | 0.9995% | 2,092 |
| Net loans and leases to total assets | 75.4697% | 1,606 |
| Net loans and leases to deposits | 93.6943% | 1,229 |
| Net loans and leases to core deposits | 97.6854% | 1,788 |
| Total domestic deposits to total assets | 80.5489% | 4,439 |
| Equity capital to assets | 10.1129% | 3,592 |
| Core capital (leverage) ratio | 9.1661% | 4,532 |
| Tier 1 risk-based capital ratio | 11.6229% | 4,975 |
| Total risk-based capital ratio | 12.8147% | 4,919 |
| Memoranda: | ||
| Average total assets | $525,514,200 | 1,312 |
| Average earning assets | $479,047,800 | 1,324 |
| Average equity | $54,698,400 | 1,407 |
| Average total loans | $420,656,600 | 1,158 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6711% | 1,131 |
| Cost of funding earning assets | 0.4964% | 2,127 |
| Net interest margin | 4.1747% | 1,190 |
| Noninterest income to average assets | 2.4841% | 262 |
| Noninterest expense to average assets | 4.6991% | 324 |
| Loan and lease loss provision to assets | 0.0702% | 2,812 |
| Net operating income to assets | 1.5172% | 849 |
| Return on assets (ROA) | 1.5172% | 901 |
| Pretax return on assets | 1.5177% | 1,658 |
| Return on Equity (ROE) | 14.4690% | 746 |
| Retained earnings to average equity (ytd only) | -1.2821% | 5,525 |
| Net charge-offs to loans | -0.0019% | 4,491 |
| Credit loss provision to net charge-offs | -4,566.6667% | 5,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4726% | 2,373 |
| Assets per employee ($millions) | 2.3712% | 5,784 |
| Cash dividends to net income (ytd only)* | 108.8609% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 3,450 |
| Loan loss allowance to noncurrent loans | 107.6315% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 0.9375% | 2,220 |
| Noncurrent loans to loans | 1.0826% | 2,089 |
| Net loans and leases to total assets | 81.1333% | 738 |
| Net loans and leases to deposits | 101.6245% | 597 |
| Net loans and leases to core deposits | 105.6288% | 1,219 |
| Total domestic deposits to total assets | 79.8364% | 4,550 |
| Equity capital to assets | 10.3417% | 3,757 |
| Core capital (leverage) ratio | 9.1958% | 4,599 |
| Tier 1 risk-based capital ratio | 10.8607% | 5,446 |
| Total risk-based capital ratio | 12.0148% | 5,400 |
| Memoranda: | ||
| Average total assets | $520,680,500 | 1,321 |
| Average earning assets | $474,307,500 | 1,338 |
| Average equity | $54,598,000 | 1,417 |
| Average total loans | $421,764,500 | 1,156 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6013% | 1,261 |
| Cost of funding earning assets | 0.4840% | 2,241 |
| Net interest margin | 4.1173% | 1,325 |
| Noninterest income to average assets | 2.4631% | 259 |
| Noninterest expense to average assets | 4.7582% | 308 |
| Loan and lease loss provision to assets | 0.0702% | 2,733 |
| Net operating income to assets | 1.3763% | 1,101 |
| Return on assets (ROA) | 1.3763% | 1,173 |
| Pretax return on assets | 1.3771% | 2,107 |
| Return on Equity (ROE) | 13.0647% | 1,014 |
| Retained earnings to average equity (ytd only) | -7.4290% | 5,827 |
| Net charge-offs to loans | -0.0153% | 4,845 |
| Credit loss provision to net charge-offs | -568.7500% | 4,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3852% | 2,167 |
| Assets per employee ($millions) | 2.3214% | 5,853 |
| Cash dividends to net income (ytd only)* | 156.8627% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 3,563 |
| Loan loss allowance to noncurrent loans | 99.8593% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 1.0185% | 2,102 |
| Noncurrent loans to loans | 1.1652% | 1,969 |
| Net loans and leases to total assets | 81.9022% | 640 |
| Net loans and leases to deposits | 101.1062% | 625 |
| Net loans and leases to core deposits | 104.0011% | 1,319 |
| Total domestic deposits to total assets | 81.0060% | 4,278 |
| Equity capital to assets | 10.2904% | 3,874 |
| Core capital (leverage) ratio | 8.9048% | 4,932 |
| Tier 1 risk-based capital ratio | 10.5785% | 5,639 |
| Total risk-based capital ratio | 11.7253% | 5,594 |
| Memoranda: | ||
| Average total assets | $518,773,000 | 1,333 |
| Average earning assets | $471,518,670 | 1,349 |
| Average equity | $54,651,000 | 1,416 |
| Average total loans | $418,311,670 | 1,162 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4877% | 1,544 |
| Cost of funding earning assets | 0.4595% | 2,468 |
| Net interest margin | 4.0282% | 1,536 |
| Noninterest income to average assets | 2.6760% | 232 |
| Noninterest expense to average assets | 4.7901% | 313 |
| Loan and lease loss provision to assets | 0.0699% | 2,550 |
| Net operating income to assets | 1.4932% | 870 |
| Return on assets (ROA) | 1.4932% | 911 |
| Pretax return on assets | 1.4948% | 1,614 |
| Return on Equity (ROE) | 14.0135% | 830 |
| Retained earnings to average equity (ytd only) | 13.2922% | 369 |
| Net charge-offs to loans | -0.0232% | 4,936 |
| Credit loss provision to net charge-offs | -379.1667% | 4,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1202% | 2,457 |
| Assets per employee ($millions) | 2.6666% | 5,748 |
| Cash dividends to net income (ytd only)* | 5.1467% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 3,578 |
| Loan loss allowance to noncurrent loans | 241.3280% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.6204% | 3,200 |
| Noncurrent loans to loans | 0.4907% | 3,707 |
| Net loans and leases to total assets | 76.5727% | 1,312 |
| Net loans and leases to deposits | 95.1233% | 1,032 |
| Net loans and leases to core deposits | 97.8298% | 1,647 |
| Total domestic deposits to total assets | 80.4984% | 4,632 |
| Equity capital to assets | 10.6654% | 3,298 |
| Core capital (leverage) ratio | 9.8271% | 3,744 |
| Tier 1 risk-based capital ratio | 11.6188% | 5,160 |
| Total risk-based capital ratio | 12.7595% | 5,132 |
| Memoranda: | ||
| Average total assets | $520,488,000 | 1,334 |
| Average earning assets | $475,347,000 | 1,335 |
| Average equity | $55,461,000 | 1,389 |
| Average total loans | $413,944,500 | 1,172 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5915% | 1,358 |
| Cost of funding earning assets | 0.5292% | 1,932 |
| Net interest margin | 4.0623% | 1,514 |
| Noninterest income to average assets | 2.5748% | 254 |
| Noninterest expense to average assets | 4.9096% | 299 |
| Loan and lease loss provision to assets | 0.0330% | 3,708 |
| Net operating income to assets | 1.2952% | 1,276 |
| Return on assets (ROA) | 1.2715% | 1,389 |
| Pretax return on assets | 1.2824% | 2,345 |
| Return on Equity (ROE) | 12.0049% | 1,300 |
| Retained earnings to average equity (ytd only) | 5.8315% | 1,877 |
| Net charge-offs to loans | 0.2163% | 1,363 |
| Credit loss provision to net charge-offs | 18.8289% | 3,758 |
| Earnings coverage of net charge-offs (x) | 7.6429% | 3,054 |
| Efficiency ratio | 77.1571% | 2,094 |
| Assets per employee ($millions) | 2.5389% | 5,870 |
| Cash dividends to net income (ytd only)* | 51.4241% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 3,800 |
| Loan loss allowance to noncurrent loans | 232.7460% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.6500% | 3,100 |
| Noncurrent loans to loans | 0.4903% | 3,732 |
| Net loans and leases to total assets | 80.7192% | 746 |
| Net loans and leases to deposits | 97.5836% | 853 |
| Net loans and leases to core deposits | 100.9358% | 1,443 |
| Total domestic deposits to total assets | 82.7180% | 3,938 |
| Equity capital to assets | 10.6453% | 3,192 |
| Core capital (leverage) ratio | 9.7685% | 3,815 |
| Tier 1 risk-based capital ratio | 11.2644% | 5,392 |
| Total risk-based capital ratio | 12.3717% | 5,361 |
| Memoranda: | ||
| Average total assets | $497,046,600 | 1,355 |
| Average earning assets | $449,543,200 | 1,379 |
| Average equity | $52,645,000 | 1,415 |
| Average total loans | $402,648,000 | 1,148 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5724% | 1,407 |
| Cost of funding earning assets | 0.5344% | 1,936 |
| Net interest margin | 4.0380% | 1,587 |
| Noninterest income to average assets | 2.6208% | 249 |
| Noninterest expense to average assets | 4.8800% | 306 |
| Loan and lease loss provision to assets | 0.0194% | 3,887 |
| Net operating income to assets | 1.3572% | 1,209 |
| Return on assets (ROA) | 1.3513% | 1,270 |
| Pretax return on assets | 1.3659% | 2,155 |
| Return on Equity (ROE) | 12.7752% | 1,177 |
| Retained earnings to average equity (ytd only) | 5.1162% | 2,834 |
| Net charge-offs to loans | 0.3023% | 884 |
| Credit loss provision to net charge-offs | 7.9558% | 3,467 |
| Earnings coverage of net charge-offs (x) | 5.6928% | 3,168 |
| Efficiency ratio | 76.3898% | 2,184 |
| Assets per employee ($millions) | 2.1908% | 6,086 |
| Cash dividends to net income (ytd only)* | 59.9521% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 4,056 |
| Loan loss allowance to noncurrent loans | 196.8949% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.7931% | 2,903 |
| Noncurrent loans to loans | 0.5741% | 3,613 |
| Net loans and leases to total assets | 81.7804% | 602 |
| Net loans and leases to deposits | 99.3198% | 705 |
| Net loans and leases to core deposits | 102.7894% | 1,321 |
| Total domestic deposits to total assets | 82.3404% | 4,056 |
| Equity capital to assets | 10.7778% | 3,265 |
| Core capital (leverage) ratio | 9.7244% | 4,002 |
| Tier 1 risk-based capital ratio | 11.2468% | 5,523 |
| Total risk-based capital ratio | 12.3488% | 5,499 |
| Memoranda: | ||
| Average total assets | $493,729,000 | 1,370 |
| Average earning assets | $446,349,500 | 1,394 |
| Average equity | $52,225,000 | 1,432 |
| Average total loans | $399,140,250 | 1,159 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4880% | 1,577 |
| Cost of funding earning assets | 0.5364% | 1,932 |
| Net interest margin | 3.9516% | 1,800 |
| Noninterest income to average assets | 2.6274% | 255 |
| Noninterest expense to average assets | 4.8736% | 316 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2954% | 1,333 |
| Return on assets (ROA) | 1.2946% | 1,398 |
| Pretax return on assets | 1.3165% | 2,305 |
| Return on Equity (ROE) | 12.3173% | 1,279 |
| Retained earnings to average equity (ytd only) | 4.6021% | 3,107 |
| Net charge-offs to loans | 0.4635% | 547 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.5431% | 3,179 |
| Efficiency ratio | 77.2546% | 2,164 |
| Assets per employee ($millions) | 2.1910% | 6,174 |
| Cash dividends to net income (ytd only)* | 62.6370% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 4,246 |
| Loan loss allowance to noncurrent loans | 127.5610% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 1.1903% | 2,129 |
| Noncurrent loans to loans | 0.8740% | 2,947 |
| Net loans and leases to total assets | 81.7752% | 576 |
| Net loans and leases to deposits | 99.0421% | 718 |
| Net loans and leases to core deposits | 102.6226% | 1,285 |
| Total domestic deposits to total assets | 82.5661% | 4,100 |
| Equity capital to assets | 10.5991% | 3,321 |
| Core capital (leverage) ratio | 9.4738% | 4,316 |
| Tier 1 risk-based capital ratio | 10.9642% | 5,728 |
| Total risk-based capital ratio | 12.0388% | 5,746 |
| Memoranda: | ||
| Average total assets | $493,265,330 | 1,379 |
| Average earning assets | $444,829,670 | 1,408 |
| Average equity | $51,845,670 | 1,452 |
| Average total loans | $395,673,670 | 1,166 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3294% | 2,002 |
| Cost of funding earning assets | 0.5359% | 1,964 |
| Net interest margin | 3.7936% | 2,250 |
| Noninterest income to average assets | 2.8455% | 231 |
| Noninterest expense to average assets | 4.9070% | 314 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3035% | 1,263 |
| Return on assets (ROA) | 1.3019% | 1,354 |
| Pretax return on assets | 1.3457% | 2,097 |
| Return on Equity (ROE) | 12.4391% | 1,235 |
| Retained earnings to average equity (ytd only) | 8.5664% | 1,352 |
| Net charge-offs to loans | 0.5913% | 416 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.8854% | 2,685 |
| Efficiency ratio | 76.9799% | 2,346 |
| Assets per employee ($millions) | 2.1432% | 6,249 |
| Cash dividends to net income (ytd only)* | 31.1333% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 3,538 |
| Loan loss allowance to noncurrent loans | 154.1325% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 1.1442% | 2,346 |
| Noncurrent loans to loans | 0.8282% | 3,173 |
| Net loans and leases to total assets | 76.6533% | 1,115 |
| Net loans and leases to deposits | 92.6758% | 1,115 |
| Net loans and leases to core deposits | 96.2215% | 1,600 |
| Total domestic deposits to total assets | 82.7113% | 4,271 |
| Equity capital to assets | 10.6157% | 3,407 |
| Core capital (leverage) ratio | 9.2920% | 4,584 |
| Tier 1 risk-based capital ratio | 11.4098% | 5,601 |
| Total risk-based capital ratio | 12.6154% | 5,535 |
| Memoranda: | ||
| Average total assets | $493,415,500 | 1,380 |
| Average earning assets | $443,382,000 | 1,418 |
| Average equity | $51,643,500 | 1,465 |
| Average total loans | $389,676,500 | 1,179 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5697% | 1,639 |
| Cost of funding earning assets | 0.5680% | 2,063 |
| Net interest margin | 4.0017% | 1,893 |
| Noninterest income to average assets | 2.4226% | 247 |
| Noninterest expense to average assets | 4.9024% | 327 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0412% | 2,208 |
| Return on assets (ROA) | 1.0389% | 2,297 |
| Pretax return on assets | 1.0827% | 3,156 |
| Return on Equity (ROE) | 10.4556% | 1,924 |
| Retained earnings to average equity (ytd only) | 7.6743% | 1,130 |
| Net charge-offs to loans | -0.0384% | 5,851 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3077% | 1,880 |
| Assets per employee ($millions) | 2.4695% | 6,176 |
| Cash dividends to net income (ytd only)* | 26.6010% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 3,059 |
| Loan loss allowance to noncurrent loans | 144.5738% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 1.4131% | 1,958 |
| Noncurrent loans to loans | 0.9526% | 2,947 |
| Net loans and leases to total assets | 79.1976% | 857 |
| Net loans and leases to deposits | 95.1740% | 973 |
| Net loans and leases to core deposits | 98.6616% | 1,495 |
| Total domestic deposits to total assets | 83.2135% | 4,002 |
| Equity capital to assets | 10.3177% | 3,701 |
| Core capital (leverage) ratio | 8.9674% | 5,041 |
| Tier 1 risk-based capital ratio | 10.2784% | 6,187 |
| Total risk-based capital ratio | 11.5315% | 6,131 |
| Memoranda: | ||
| Average total assets | $488,516,200 | 1,360 |
| Average earning assets | $435,190,200 | 1,409 |
| Average equity | $48,538,400 | 1,486 |
| Average total loans | $385,474,000 | 1,148 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5445% | 1,716 |
| Cost of funding earning assets | 0.5710% | 2,097 |
| Net interest margin | 3.9735% | 1,953 |
| Noninterest income to average assets | 2.5045% | 243 |
| Noninterest expense to average assets | 4.9550% | 318 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0533% | 2,221 |
| Return on assets (ROA) | 1.0501% | 2,297 |
| Pretax return on assets | 1.0884% | 3,239 |
| Return on Equity (ROE) | 10.6728% | 1,914 |
| Retained earnings to average equity (ytd only) | 6.9178% | 1,859 |
| Net charge-offs to loans | 0.0648% | 3,277 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 21.4466% | 1,679 |
| Efficiency ratio | 80.3883% | 1,858 |
| Assets per employee ($millions) | 2.1075% | 6,415 |
| Cash dividends to net income (ytd only)* | 35.1838% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2837% | 3,731 |
| Loan loss allowance to noncurrent loans | 134.3112% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 1.4929% | 2,060 |
| Noncurrent loans to loans | 0.9558% | 3,170 |
| Net loans and leases to total assets | 81.0007% | 606 |
| Net loans and leases to deposits | 101.2317% | 542 |
| Net loans and leases to core deposits | 105.0479% | 1,024 |
| Total domestic deposits to total assets | 80.0151% | 5,095 |
| Equity capital to assets | 10.1269% | 4,013 |
| Core capital (leverage) ratio | 8.8121% | 5,321 |
| Tier 1 risk-based capital ratio | 10.0473% | 6,334 |
| Total risk-based capital ratio | 11.2872% | 6,302 |
| Memoranda: | ||
| Average total assets | $487,172,500 | 1,379 |
| Average earning assets | $434,302,000 | 1,426 |
| Average equity | $47,933,500 | 1,508 |
| Average total loans | $382,689,500 | 1,162 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4832% | 1,886 |
| Cost of funding earning assets | 0.5877% | 2,000 |
| Net interest margin | 3.8955% | 2,186 |
| Noninterest income to average assets | 2.5057% | 240 |
| Noninterest expense to average assets | 4.9790% | 317 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9603% | 2,509 |
| Return on assets (ROA) | 0.9555% | 2,619 |
| Pretax return on assets | 0.9875% | 3,524 |
| Return on Equity (ROE) | 9.8066% | 2,240 |
| Retained earnings to average equity (ytd only) | 7.2792% | 1,628 |
| Net charge-offs to loans | -0.0467% | 5,842 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8063% | 1,765 |
| Assets per employee ($millions) | 2.0722% | 6,485 |
| Cash dividends to net income (ytd only)* | 25.7732% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4060% | 3,321 |
| Loan loss allowance to noncurrent loans | 150.8939% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 1.7253% | 1,889 |
| Noncurrent loans to loans | 0.9318% | 3,382 |
| Net loans and leases to total assets | 79.4785% | 745 |
| Net loans and leases to deposits | 96.2986% | 782 |
| Net loans and leases to core deposits | 100.1279% | 1,276 |
| Total domestic deposits to total assets | 82.5334% | 4,467 |
| Equity capital to assets | 10.1791% | 3,860 |
| Core capital (leverage) ratio | 8.5751% | 5,555 |
| Tier 1 risk-based capital ratio | 10.0173% | 6,395 |
| Total risk-based capital ratio | 11.2709% | 6,352 |
| Memoranda: | ||
| Average total assets | $487,289,000 | 1,376 |
| Average earning assets | $433,527,000 | 1,425 |
| Average equity | $47,478,000 | 1,513 |
| Average total loans | $377,100,000 | 1,172 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3026% | 2,506 |
| Cost of funding earning assets | 0.6066% | 1,922 |
| Net interest margin | 3.6960% | 2,881 |
| Noninterest income to average assets | 2.6162% | 222 |
| Noninterest expense to average assets | 4.8256% | 349 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0556% | 1,983 |
| Return on assets (ROA) | 1.0556% | 2,055 |
| Pretax return on assets | 1.0856% | 2,976 |
| Return on Equity (ROE) | 11.0734% | 1,664 |
| Retained earnings to average equity (ytd only) | 11.0734% | 731 |
| Net charge-offs to loans | -0.0321% | 5,598 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0549% | 2,202 |
| Assets per employee ($millions) | 2.3544% | 6,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4723% | 3,273 |
| Loan loss allowance to noncurrent loans | 130.1266% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 1.9271% | 1,786 |
| Noncurrent loans to loans | 1.1315% | 3,158 |
| Net loans and leases to total assets | 72.3182% | 1,533 |
| Net loans and leases to deposits | 86.3055% | 1,560 |
| Net loans and leases to core deposits | 89.7061% | 1,936 |
| Total domestic deposits to total assets | 83.7933% | 4,347 |
| Equity capital to assets | 9.6702% | 4,270 |
| Core capital (leverage) ratio | 8.2020% | 5,947 |
| Tier 1 risk-based capital ratio | 10.2278% | 6,417 |
| Total risk-based capital ratio | 11.4821% | 6,379 |
| Memoranda: | ||
| Average total assets | $492,627,000 | 1,375 |
| Average earning assets | $439,175,000 | 1,403 |
| Average equity | $46,959,500 | 1,522 |
| Average total loans | $373,546,500 | 1,183 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6186% | 1,806 |
| Cost of funding earning assets | 0.6340% | 2,344 |
| Net interest margin | 3.9846% | 1,992 |
| Noninterest income to average assets | 2.2315% | 338 |
| Noninterest expense to average assets | 4.8525% | 388 |
| Loan and lease loss provision to assets | -0.3097% | 6,679 |
| Net operating income to assets | 1.1849% | 1,622 |
| Return on assets (ROA) | 1.2137% | 1,586 |
| Pretax return on assets | 1.2754% | 2,250 |
| Return on Equity (ROE) | 12.5366% | 1,267 |
| Retained earnings to average equity (ytd only) | 1.2880% | 5,251 |
| Net charge-offs to loans | -0.4541% | 6,717 |
| Credit loss provision to net charge-offs | 88.2872% | 2,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3869% | 1,826 |
| Assets per employee ($millions) | 2.3373% | 6,499 |
| Cash dividends to net income (ytd only)* | 89.7261% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 3,729 |
| Loan loss allowance to noncurrent loans | 114.2304% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 2.0569% | 1,742 |
| Noncurrent loans to loans | 1.2108% | 3,121 |
| Net loans and leases to total assets | 77.1912% | 929 |
| Net loans and leases to deposits | 92.6831% | 990 |
| Net loans and leases to core deposits | 96.8748% | 1,392 |
| Total domestic deposits to total assets | 83.2850% | 4,435 |
| Equity capital to assets | 9.3938% | 4,553 |
| Core capital (leverage) ratio | 8.1542% | 6,013 |
| Tier 1 risk-based capital ratio | 9.5496% | 6,595 |
| Total risk-based capital ratio | 10.8036% | 6,581 |
| Memoranda: | ||
| Average total assets | $484,388,200 | 1,370 |
| Average earning assets | $432,336,200 | 1,408 |
| Average equity | $46,894,600 | 1,496 |
| Average total loans | $374,157,400 | 1,137 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6002% | 1,900 |
| Cost of funding earning assets | 0.6427% | 2,429 |
| Net interest margin | 3.9575% | 2,085 |
| Noninterest income to average assets | 2.2149% | 357 |
| Noninterest expense to average assets | 4.7659% | 414 |
| Loan and lease loss provision to assets | -0.4143% | 6,813 |
| Net operating income to assets | 1.3441% | 1,234 |
| Return on assets (ROA) | 1.3831% | 1,187 |
| Pretax return on assets | 1.4430% | 1,786 |
| Return on Equity (ROE) | 14.1792% | 958 |
| Retained earnings to average equity (ytd only) | 1.6506% | 5,317 |
| Net charge-offs to loans | -0.6967% | 6,808 |
| Credit loss provision to net charge-offs | 77.2400% | 2,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4255% | 1,910 |
| Assets per employee ($millions) | 2.3192% | 6,590 |
| Cash dividends to net income (ytd only)* | 88.3585% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4271% | 3,778 |
| Loan loss allowance to noncurrent loans | 103.4438% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 2.2757% | 1,737 |
| Noncurrent loans to loans | 1.3796% | 3,107 |
| Net loans and leases to total assets | 78.4371% | 702 |
| Net loans and leases to deposits | 101.2902% | 416 |
| Net loans and leases to core deposits | 105.9450% | 762 |
| Total domestic deposits to total assets | 77.4380% | 5,983 |
| Equity capital to assets | 9.4595% | 4,600 |
| Core capital (leverage) ratio | 8.3320% | 5,938 |
| Tier 1 risk-based capital ratio | 9.8223% | 6,634 |
| Total risk-based capital ratio | 11.0767% | 6,613 |
| Memoranda: | ||
| Average total assets | $482,776,250 | 1,382 |
| Average earning assets | $431,741,250 | 1,416 |
| Average equity | $47,091,250 | 1,500 |
| Average total loans | $371,647,750 | 1,146 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5229% | 2,108 |
| Cost of funding earning assets | 0.6527% | 2,468 |
| Net interest margin | 3.8703% | 2,309 |
| Noninterest income to average assets | 2.1132% | 410 |
| Noninterest expense to average assets | 4.5819% | 488 |
| Loan and lease loss provision to assets | -0.6242% | 6,887 |
| Net operating income to assets | 1.5468% | 825 |
| Return on assets (ROA) | 1.6047% | 814 |
| Pretax return on assets | 1.6759% | 1,171 |
| Return on Equity (ROE) | 16.2842% | 634 |
| Retained earnings to average equity (ytd only) | -0.6081% | 5,981 |
| Net charge-offs to loans | -0.6157% | 6,841 |
| Credit loss provision to net charge-offs | 133.2149% | 1,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7572% | 2,053 |
| Assets per employee ($millions) | 2.4397% | 6,546 |
| Cash dividends to net income (ytd only)* | 103.7344% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 4,658 |
| Loan loss allowance to noncurrent loans | 97.7727% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 2.2731% | 1,907 |
| Noncurrent loans to loans | 1.2969% | 3,386 |
| Net loans and leases to total assets | 76.8082% | 886 |
| Net loans and leases to deposits | 96.7936% | 618 |
| Net loans and leases to core deposits | 101.2146% | 989 |
| Total domestic deposits to total assets | 79.3526% | 5,743 |
| Equity capital to assets | 9.5380% | 4,537 |
| Core capital (leverage) ratio | 8.2825% | 5,902 |
| Tier 1 risk-based capital ratio | 9.8535% | 6,665 |
| Total risk-based capital ratio | 11.0505% | 6,656 |
| Memoranda: | ||
| Average total assets | $480,588,000 | 1,386 |
| Average earning assets | $429,632,000 | 1,422 |
| Average equity | $47,358,670 | 1,499 |
| Average total loans | $365,736,330 | 1,168 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4667% | 2,290 |
| Cost of funding earning assets | 0.7048% | 2,166 |
| Net interest margin | 3.7618% | 2,605 |
| Noninterest income to average assets | 2.2074% | 380 |
| Noninterest expense to average assets | 4.4963% | 538 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0038% | 2,206 |
| Return on assets (ROA) | 1.0038% | 2,322 |
| Pretax return on assets | 1.0696% | 3,078 |
| Return on Equity (ROE) | 10.0256% | 2,054 |
| Retained earnings to average equity (ytd only) | 10.0256% | 1,099 |
| Net charge-offs to loans | -0.6127% | 6,879 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3330% | 2,421 |
| Assets per employee ($millions) | 2.5218% | 6,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6314% | 3,267 |
| Loan loss allowance to noncurrent loans | 86.2316% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 2.5088% | 1,838 |
| Noncurrent loans to loans | 1.8919% | 2,747 |
| Net loans and leases to total assets | 70.5867% | 1,566 |
| Net loans and leases to deposits | 84.6894% | 1,508 |
| Net loans and leases to core deposits | 87.9997% | 1,910 |
| Total domestic deposits to total assets | 83.3478% | 4,735 |
| Equity capital to assets | 10.0295% | 4,112 |
| Core capital (leverage) ratio | 8.3497% | 5,759 |
| Tier 1 risk-based capital ratio | 10.6699% | 6,533 |
| Total risk-based capital ratio | 11.9262% | 6,493 |
| Memoranda: | ||
| Average total assets | $480,568,500 | 1,398 |
| Average earning assets | $429,045,500 | 1,431 |
| Average equity | $48,117,000 | 1,499 |
| Average total loans | $361,653,500 | 1,185 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0109% | 1,532 |
| Cost of funding earning assets | 0.9105% | 1,879 |
| Net interest margin | 4.1004% | 2,001 |
| Noninterest income to average assets | 1.7100% | 556 |
| Noninterest expense to average assets | 4.5223% | 564 |
| Loan and lease loss provision to assets | 0.0632% | 4,973 |
| Net operating income to assets | 0.6963% | 3,756 |
| Return on assets (ROA) | 0.7875% | 3,589 |
| Pretax return on assets | 0.8445% | 4,136 |
| Return on Equity (ROE) | 7.7934% | 3,188 |
| Retained earnings to average equity (ytd only) | 3.7652% | 3,561 |
| Net charge-offs to loans | 0.5876% | 1,969 |
| Credit loss provision to net charge-offs | 14.1487% | 5,354 |
| Earnings coverage of net charge-offs (x) | 1.8125% | 4,526 |
| Efficiency ratio | 83.2932% | 1,709 |
| Assets per employee ($millions) | 2.4713% | 6,640 |
| Cash dividends to net income (ytd only)* | 51.6866% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3603% | 4,354 |
| Loan loss allowance to noncurrent loans | 65.9402% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 3.1374% | 1,493 |
| Noncurrent loans to loans | 2.0629% | 2,623 |
| Net loans and leases to total assets | 77.7343% | 707 |
| Net loans and leases to deposits | 94.7242% | 701 |
| Net loans and leases to core deposits | 98.6825% | 1,097 |
| Total domestic deposits to total assets | 82.0639% | 5,072 |
| Equity capital to assets | 9.9953% | 4,170 |
| Core capital (leverage) ratio | 8.5966% | 5,467 |
| Tier 1 risk-based capital ratio | 9.7563% | 6,756 |
| Total risk-based capital ratio | 11.0000% | 6,736 |
| Memoranda: | ||
| Average total assets | $466,780,800 | 1,415 |
| Average earning assets | $412,300,400 | 1,461 |
| Average equity | $47,168,400 | 1,483 |
| Average total loans | $354,857,600 | 1,176 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0769% | 1,484 |
| Cost of funding earning assets | 0.9876% | 1,638 |
| Net interest margin | 4.0894% | 2,126 |
| Noninterest income to average assets | 1.8269% | 485 |
| Noninterest expense to average assets | 4.4356% | 579 |
| Loan and lease loss provision to assets | 0.0281% | 5,431 |
| Net operating income to assets | 0.9328% | 2,826 |
| Return on assets (ROA) | 1.0578% | 2,472 |
| Pretax return on assets | 1.1077% | 3,324 |
| Return on Equity (ROE) | 10.4386% | 2,158 |
| Retained earnings to average equity (ytd only) | 5.0535% | 3,331 |
| Net charge-offs to loans | 0.2944% | 2,965 |
| Credit loss provision to net charge-offs | 12.6943% | 5,048 |
| Earnings coverage of net charge-offs (x) | 4.5298% | 3,282 |
| Efficiency ratio | 80.0486% | 2,086 |
| Assets per employee ($millions) | 2.4468% | 6,742 |
| Cash dividends to net income (ytd only)* | 51.5884% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6924% | 3,179 |
| Loan loss allowance to noncurrent loans | 61.0267% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 3.5598% | 1,405 |
| Noncurrent loans to loans | 2.7731% | 2,030 |
| Net loans and leases to total assets | 78.6602% | 657 |
| Net loans and leases to deposits | 101.3387% | 385 |
| Net loans and leases to core deposits | 105.9943% | 739 |
| Total domestic deposits to total assets | 77.6211% | 6,141 |
| Equity capital to assets | 10.3615% | 3,998 |
| Core capital (leverage) ratio | 8.7215% | 5,442 |
| Tier 1 risk-based capital ratio | 10.0444% | 6,788 |
| Total risk-based capital ratio | 11.2989% | 6,764 |
| Memoranda: | ||
| Average total assets | $464,237,500 | 1,440 |
| Average earning assets | $410,157,750 | 1,488 |
| Average equity | $47,042,250 | 1,498 |
| Average total loans | $349,604,500 | 1,203 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1103% | 1,476 |
| Cost of funding earning assets | 1.0765% | 1,327 |
| Net interest margin | 4.0338% | 2,368 |
| Noninterest income to average assets | 1.7283% | 509 |
| Noninterest expense to average assets | 4.3586% | 620 |
| Loan and lease loss provision to assets | 0.0421% | 5,145 |
| Net operating income to assets | 0.8627% | 3,073 |
| Return on assets (ROA) | 1.0514% | 2,473 |
| Pretax return on assets | 1.0824% | 3,366 |
| Return on Equity (ROE) | 10.4536% | 2,193 |
| Retained earnings to average equity (ytd only) | 8.7455% | 1,359 |
| Net charge-offs to loans | 0.5060% | 2,064 |
| Credit loss provision to net charge-offs | 11.2773% | 4,726 |
| Earnings coverage of net charge-offs (x) | 2.4914% | 3,762 |
| Efficiency ratio | 80.8901% | 2,049 |
| Assets per employee ($millions) | 2.4436% | 6,803 |
| Cash dividends to net income (ytd only)* | 16.3399% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7483% | 3,034 |
| Loan loss allowance to noncurrent loans | 58.6345% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 3.9258% | 1,316 |
| Noncurrent loans to loans | 2.9816% | 1,990 |
| Net loans and leases to total assets | 76.6472% | 887 |
| Net loans and leases to deposits | 97.4092% | 555 |
| Net loans and leases to core deposits | 102.8889% | 924 |
| Total domestic deposits to total assets | 78.6858% | 6,023 |
| Equity capital to assets | 10.5915% | 3,575 |
| Core capital (leverage) ratio | 8.4506% | 5,709 |
| Tier 1 risk-based capital ratio | 10.5724% | 6,674 |
| Total risk-based capital ratio | 11.8273% | 6,655 |
| Memoranda: | ||
| Average total assets | $465,650,000 | 1,433 |
| Average earning assets | $410,973,670 | 1,481 |
| Average equity | $46,835,330 | 1,489 |
| Average total loans | $343,450,670 | 1,229 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8830% | 2,309 |
| Cost of funding earning assets | 1.1197% | 1,302 |
| Net interest margin | 3.7633% | 3,547 |
| Noninterest income to average assets | 2.0445% | 395 |
| Noninterest expense to average assets | 4.1160% | 810 |
| Loan and lease loss provision to assets | 0.0802% | 4,391 |
| Net operating income to assets | 1.1443% | 1,901 |
| Return on assets (ROA) | 1.1443% | 2,085 |
| Pretax return on assets | 1.1662% | 3,041 |
| Return on Equity (ROE) | 11.6703% | 1,781 |
| Retained earnings to average equity (ytd only) | 11.6703% | 884 |
| Net charge-offs to loans | 0.9594% | 1,081 |
| Credit loss provision to net charge-offs | 11.6564% | 3,878 |
| Earnings coverage of net charge-offs (x) | 1.8110% | 3,433 |
| Efficiency ratio | 75.2913% | 2,894 |
| Assets per employee ($millions) | 2.5995% | 6,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8871% | 2,719 |
| Loan loss allowance to noncurrent loans | 51.2050% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 4.3640% | 1,235 |
| Noncurrent loans to loans | 3.6853% | 1,681 |
| Net loans and leases to total assets | 67.5773% | 2,192 |
| Net loans and leases to deposits | 84.5733% | 1,587 |
| Net loans and leases to core deposits | 88.9287% | 1,962 |
| Total domestic deposits to total assets | 79.9038% | 5,876 |
| Equity capital to assets | 9.9158% | 4,234 |
| Core capital (leverage) ratio | 8.2401% | 5,964 |
| Tier 1 risk-based capital ratio | 10.6848% | 6,679 |
| Total risk-based capital ratio | 13.6119% | 5,673 |
| Memoranda: | ||
| Average total assets | $473,667,000 | 1,414 |
| Average earning assets | $417,613,500 | 1,462 |
| Average equity | $46,442,500 | 1,500 |
| Average total loans | $339,801,000 | 1,247 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2493% | 1,877 |
| Cost of funding earning assets | 1.4360% | 895 |
| Net interest margin | 3.8133% | 3,755 |
| Noninterest income to average assets | 1.3427% | 717 |
| Noninterest expense to average assets | 3.9702% | 1,083 |
| Loan and lease loss provision to assets | 0.4150% | 2,516 |
| Net operating income to assets | 0.2973% | 5,270 |
| Return on assets (ROA) | 0.4445% | 4,879 |
| Pretax return on assets | 0.4761% | 5,061 |
| Return on Equity (ROE) | 4.8227% | 4,470 |
| Retained earnings to average equity (ytd only) | 4.8227% | 2,768 |
| Net charge-offs to loans | 1.1520% | 1,472 |
| Credit loss provision to net charge-offs | 47.7449% | 5,476 |
| Earnings coverage of net charge-offs (x) | 0.8431% | 5,168 |
| Efficiency ratio | 82.7381% | 1,920 |
| Assets per employee ($millions) | 2.4063% | 6,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9614% | 2,394 |
| Loan loss allowance to noncurrent loans | 79.9699% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 3.9767% | 1,445 |
| Noncurrent loans to loans | 2.4526% | 2,680 |
| Net loans and leases to total assets | 73.1608% | 1,423 |
| Net loans and leases to deposits | 92.2630% | 947 |
| Net loans and leases to core deposits | 97.6615% | 1,358 |
| Total domestic deposits to total assets | 79.2959% | 5,918 |
| Equity capital to assets | 9.6930% | 4,608 |
| Core capital (leverage) ratio | 8.1102% | 6,129 |
| Tier 1 risk-based capital ratio | 9.9097% | 6,875 |
| Total risk-based capital ratio | 12.7768% | 6,131 |
| Memoranda: | ||
| Average total assets | $474,488,000 | 1,394 |
| Average earning assets | $418,113,600 | 1,435 |
| Average equity | $43,730,600 | 1,546 |
| Average total loans | $357,988,200 | 1,183 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2644% | 1,979 |
| Cost of funding earning assets | 1.4975% | 870 |
| Net interest margin | 3.7669% | 4,027 |
| Noninterest income to average assets | 1.4509% | 623 |
| Noninterest expense to average assets | 4.0751% | 919 |
| Loan and lease loss provision to assets | 0.2910% | 3,188 |
| Net operating income to assets | 0.4124% | 4,943 |
| Return on assets (ROA) | 0.5957% | 4,287 |
| Pretax return on assets | 0.5979% | 4,819 |
| Return on Equity (ROE) | 6.5471% | 3,741 |
| Retained earnings to average equity (ytd only) | 6.5471% | 2,219 |
| Net charge-offs to loans | 1.1787% | 1,335 |
| Credit loss provision to net charge-offs | 32.6306% | 5,376 |
| Earnings coverage of net charge-offs (x) | 0.7914% | 5,022 |
| Efficiency ratio | 83.5788% | 1,775 |
| Assets per employee ($millions) | 2.5887% | 6,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9469% | 2,486 |
| Loan loss allowance to noncurrent loans | 70.6032% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 4.7876% | 1,223 |
| Noncurrent loans to loans | 2.7576% | 2,530 |
| Net loans and leases to total assets | 76.4589% | 916 |
| Net loans and leases to deposits | 97.1919% | 623 |
| Net loans and leases to core deposits | 104.4242% | 956 |
| Total domestic deposits to total assets | 78.6680% | 6,056 |
| Equity capital to assets | 10.0091% | 4,330 |
| Core capital (leverage) ratio | 8.1114% | 6,266 |
| Tier 1 risk-based capital ratio | 9.9818% | 6,963 |
| Total risk-based capital ratio | 12.8730% | 6,148 |
| Memoranda: | ||
| Average total assets | $475,203,250 | 1,406 |
| Average earning assets | $420,068,250 | 1,443 |
| Average equity | $43,234,500 | 1,566 |
| Average total loans | $359,498,000 | 1,190 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1849% | 2,323 |
| Cost of funding earning assets | 1.5561% | 822 |
| Net interest margin | 3.6288% | 4,610 |
| Noninterest income to average assets | 1.4452% | 612 |
| Noninterest expense to average assets | 4.0325% | 1,001 |
| Loan and lease loss provision to assets | 0.3267% | 2,830 |
| Net operating income to assets | 0.3009% | 5,370 |
| Return on assets (ROA) | 0.4928% | 4,671 |
| Pretax return on assets | 0.4961% | 5,088 |
| Return on Equity (ROE) | 5.5931% | 4,161 |
| Retained earnings to average equity (ytd only) | 5.5931% | 2,645 |
| Net charge-offs to loans | 1.1410% | 1,372 |
| Credit loss provision to net charge-offs | 38.2224% | 4,848 |
| Earnings coverage of net charge-offs (x) | 0.7358% | 4,744 |
| Efficiency ratio | 84.8058% | 1,724 |
| Assets per employee ($millions) | 2.6332% | 6,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1750% | 1,968 |
| Loan loss allowance to noncurrent loans | 63.2751% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 4.8919% | 1,258 |
| Noncurrent loans to loans | 3.4374% | 2,058 |
| Net loans and leases to total assets | 74.7129% | 1,282 |
| Net loans and leases to deposits | 94.8834% | 814 |
| Net loans and leases to core deposits | 102.0004% | 1,176 |
| Total domestic deposits to total assets | 78.7418% | 6,142 |
| Equity capital to assets | 9.3523% | 5,071 |
| Core capital (leverage) ratio | 7.5339% | 6,719 |
| Tier 1 risk-based capital ratio | 9.7755% | 7,039 |
| Total risk-based capital ratio | 12.6734% | 6,219 |
| Memoranda: | ||
| Average total assets | $481,732,330 | 1,397 |
| Average earning assets | $426,974,000 | 1,431 |
| Average equity | $42,445,000 | 1,577 |
| Average total loans | $360,905,330 | 1,203 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0514% | 2,850 |
| Cost of funding earning assets | 1.5959% | 833 |
| Net interest margin | 3.4555% | 5,198 |
| Noninterest income to average assets | 1.7172% | 463 |
| Noninterest expense to average assets | 3.9399% | 1,118 |
| Loan and lease loss provision to assets | 0.6448% | 1,336 |
| Net operating income to assets | 0.1991% | 5,785 |
| Return on assets (ROA) | 0.4449% | 4,827 |
| Pretax return on assets | 0.4514% | 5,181 |
| Return on Equity (ROE) | 5.2025% | 4,289 |
| Retained earnings to average equity (ytd only) | 5.2025% | 3,056 |
| Net charge-offs to loans | 2.5720% | 434 |
| Credit loss provision to net charge-offs | 33.7768% | 4,055 |
| Earnings coverage of net charge-offs (x) | 0.4442% | 4,289 |
| Efficiency ratio | 80.6468% | 2,415 |
| Assets per employee ($millions) | 2.6001% | 6,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1320% | 2,114 |
| Loan loss allowance to noncurrent loans | 67.9721% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 4.3534% | 1,501 |
| Noncurrent loans to loans | 3.1365% | 2,398 |
| Net loans and leases to total assets | 70.2012% | 2,090 |
| Net loans and leases to deposits | 88.0120% | 1,462 |
| Net loans and leases to core deposits | 94.5122% | 1,828 |
| Total domestic deposits to total assets | 79.7632% | 6,002 |
| Equity capital to assets | 8.5433% | 5,847 |
| Core capital (leverage) ratio | 7.1850% | 6,922 |
| Tier 1 risk-based capital ratio | 9.5107% | 7,140 |
| Total risk-based capital ratio | 12.4001% | 6,364 |
| Memoranda: | ||
| Average total assets | $488,240,000 | 1,381 |
| Average earning assets | $433,861,500 | 1,421 |
| Average equity | $41,749,500 | 1,595 |
| Average total loans | $362,369,000 | 1,208 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5939% | 1,917 |
| Cost of funding earning assets | 1.9651% | 686 |
| Net interest margin | 3.6288% | 4,680 |
| Noninterest income to average assets | 1.1916% | 1,049 |
| Noninterest expense to average assets | 3.9225% | 1,276 |
| Loan and lease loss provision to assets | 1.1875% | 1,328 |
| Net operating income to assets | -0.6797% | 6,498 |
| Return on assets (ROA) | -0.6598% | 6,526 |
| Pretax return on assets | -0.6867% | 6,452 |
| Return on Equity (ROE) | -7.5867% | 6,593 |
| Retained earnings to average equity (ytd only) | -7.5867% | 6,500 |
| Net charge-offs to loans | 0.7205% | 2,854 |
| Credit loss provision to net charge-offs | 211.9912% | 1,445 |
| Earnings coverage of net charge-offs (x) | 0.8570% | 5,276 |
| Efficiency ratio | 87.1320% | 1,562 |
| Assets per employee ($millions) | 2.6652% | 6,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4333% | 1,507 |
| Loan loss allowance to noncurrent loans | 70.9485% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 4.5416% | 1,469 |
| Noncurrent loans to loans | 3.4297% | 2,213 |
| Net loans and leases to total assets | 74.8736% | 1,502 |
| Net loans and leases to deposits | 95.0903% | 940 |
| Net loans and leases to core deposits | 103.1025% | 1,377 |
| Total domestic deposits to total assets | 78.7395% | 6,150 |
| Equity capital to assets | 8.5588% | 5,780 |
| Core capital (leverage) ratio | 7.0935% | 6,977 |
| Tier 1 risk-based capital ratio | 8.9496% | 7,255 |
| Total risk-based capital ratio | 11.7745% | 6,662 |
| Memoranda: | ||
| Average total assets | $486,827,800 | 1,371 |
| Average earning assets | $430,772,600 | 1,404 |
| Average equity | $42,337,200 | 1,567 |
| Average total loans | $378,494,600 | 1,199 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6343% | 1,930 |
| Cost of funding earning assets | 2.0077% | 735 |
| Net interest margin | 3.6266% | 4,746 |
| Noninterest income to average assets | 1.5747% | 562 |
| Noninterest expense to average assets | 3.9271% | 1,165 |
| Loan and lease loss provision to assets | 0.6469% | 2,361 |
| Net operating income to assets | 0.1950% | 5,522 |
| Return on assets (ROA) | 0.2452% | 5,523 |
| Pretax return on assets | 0.2594% | 5,588 |
| Return on Equity (ROE) | 2.8081% | 5,307 |
| Retained earnings to average equity (ytd only) | 2.8081% | 4,466 |
| Net charge-offs to loans | 0.5659% | 3,055 |
| Credit loss provision to net charge-offs | 146.5592% | 2,683 |
| Earnings coverage of net charge-offs (x) | 1.9337% | 4,255 |
| Efficiency ratio | 80.3388% | 2,290 |
| Assets per employee ($millions) | 2.6571% | 6,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8096% | 2,754 |
| Loan loss allowance to noncurrent loans | 60.1032% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 4.5044% | 1,506 |
| Noncurrent loans to loans | 3.0108% | 2,648 |
| Net loans and leases to total assets | 75.7954% | 1,448 |
| Net loans and leases to deposits | 97.6076% | 828 |
| Net loans and leases to core deposits | 105.9025% | 1,337 |
| Total domestic deposits to total assets | 77.6531% | 6,329 |
| Equity capital to assets | 9.6175% | 4,665 |
| Core capital (leverage) ratio | 7.9028% | 6,465 |
| Tier 1 risk-based capital ratio | 9.6414% | 7,212 |
| Total risk-based capital ratio | 12.4190% | 6,220 |
| Memoranda: | ||
| Average total assets | $487,267,750 | 1,395 |
| Average earning assets | $430,729,000 | 1,429 |
| Average equity | $42,542,500 | 1,564 |
| Average total loans | $380,056,750 | 1,202 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5755% | 2,224 |
| Cost of funding earning assets | 2.0410% | 799 |
| Net interest margin | 3.5346% | 5,111 |
| Noninterest income to average assets | 1.4887% | 577 |
| Noninterest expense to average assets | 3.8854% | 1,209 |
| Loan and lease loss provision to assets | 0.4164% | 3,237 |
| Net operating income to assets | 0.2971% | 5,191 |
| Return on assets (ROA) | 0.3419% | 5,177 |
| Pretax return on assets | 0.3615% | 5,336 |
| Return on Equity (ROE) | 4.0514% | 4,753 |
| Retained earnings to average equity (ytd only) | 4.0514% | 3,505 |
| Net charge-offs to loans | 0.1894% | 4,473 |
| Credit loss provision to net charge-offs | 280.9392% | 1,317 |
| Earnings coverage of net charge-offs (x) | 4.9309% | 2,804 |
| Efficiency ratio | 82.2971% | 2,120 |
| Assets per employee ($millions) | 2.6233% | 6,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7576% | 2,862 |
| Loan loss allowance to noncurrent loans | 44.6763% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 5.0035% | 1,284 |
| Noncurrent loans to loans | 3.9340% | 1,937 |
| Net loans and leases to total assets | 77.9599% | 1,120 |
| Net loans and leases to deposits | 99.6416% | 754 |
| Net loans and leases to core deposits | 108.6736% | 1,247 |
| Total domestic deposits to total assets | 78.2404% | 6,214 |
| Equity capital to assets | 8.7212% | 5,855 |
| Core capital (leverage) ratio | 6.7579% | 7,304 |
| Tier 1 risk-based capital ratio | 8.2377% | 7,507 |
| Total risk-based capital ratio | 11.0364% | 7,124 |
| Memoranda: | ||
| Average total assets | $488,494,000 | 1,398 |
| Average earning assets | $432,246,670 | 1,439 |
| Average equity | $41,220,330 | 1,601 |
| Average total loans | $382,311,330 | 1,205 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5356% | 2,430 |
| Cost of funding earning assets | 2.0950% | 828 |
| Net interest margin | 3.4407% | 5,423 |
| Noninterest income to average assets | 1.5918% | 487 |
| Noninterest expense to average assets | 3.8363% | 1,269 |
| Loan and lease loss provision to assets | 0.2769% | 3,808 |
| Net operating income to assets | 0.4882% | 4,453 |
| Return on assets (ROA) | 0.4882% | 4,587 |
| Pretax return on assets | 0.5239% | 4,879 |
| Return on Equity (ROE) | 5.8813% | 3,930 |
| Retained earnings to average equity (ytd only) | 5.8813% | 2,676 |
| Net charge-offs to loans | 0.0573% | 4,837 |
| Credit loss provision to net charge-offs | 621.8182% | 703 |
| Earnings coverage of net charge-offs (x) | 17.9818% | 1,251 |
| Efficiency ratio | 80.8975% | 2,427 |
| Assets per employee ($millions) | 2.7494% | 6,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6694% | 3,176 |
| Loan loss allowance to noncurrent loans | 76.5049% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 3.3490% | 2,124 |
| Noncurrent loans to loans | 2.1821% | 3,553 |
| Net loans and leases to total assets | 74.8757% | 1,769 |
| Net loans and leases to deposits | 94.6338% | 1,278 |
| Net loans and leases to core deposits | 106.7335% | 1,514 |
| Total domestic deposits to total assets | 79.1215% | 6,046 |
| Equity capital to assets | 8.3593% | 6,214 |
| Core capital (leverage) ratio | 6.5068% | 7,467 |
| Tier 1 risk-based capital ratio | 8.0118% | 7,611 |
| Total risk-based capital ratio | 10.7753% | 7,288 |
| Memoranda: | ||
| Average total assets | $494,017,000 | 1,411 |
| Average earning assets | $437,241,000 | 1,457 |
| Average equity | $41,011,000 | 1,628 |
| Average total loans | $384,028,500 | 1,234 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0529% | 1,665 |
| Cost of funding earning assets | 2.3325% | 1,520 |
| Net interest margin | 3.7204% | 4,042 |
| Noninterest income to average assets | 1.3116% | 872 |
| Noninterest expense to average assets | 4.1225% | 1,191 |
| Loan and lease loss provision to assets | 1.5638% | 1,468 |
| Net operating income to assets | -0.9890% | 6,572 |
| Return on assets (ROA) | -0.8228% | 6,453 |
| Pretax return on assets | -0.8662% | 6,317 |
| Return on Equity (ROE) | -10.0292% | 6,624 |
| Retained earnings to average equity (ytd only) | -11.2900% | 6,623 |
| Net charge-offs to loans | 1.6919% | 1,488 |
| Credit loss provision to net charge-offs | 118.0356% | 4,587 |
| Earnings coverage of net charge-offs (x) | 0.3944% | 5,721 |
| Efficiency ratio | 86.8926% | 2,010 |
| Assets per employee ($millions) | 2.6371% | 6,972 |
| Cash dividends to net income (ytd only)* | -12.5723% | 7,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5347% | 3,554 |
| Loan loss allowance to noncurrent loans | 85.9187% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 2.9794% | 2,355 |
| Noncurrent loans to loans | 1.7862% | 3,962 |
| Net loans and leases to total assets | 78.1130% | 1,355 |
| Net loans and leases to deposits | 98.0313% | 1,098 |
| Net loans and leases to core deposits | 115.6026% | 2,363 |
| Total domestic deposits to total assets | 79.6817% | 5,782 |
| Equity capital to assets | 8.2436% | 6,284 |
| Core capital (leverage) ratio | 6.3165% | 7,546 |
| Tier 1 risk-based capital ratio | 7.6144% | 7,689 |
| Total risk-based capital ratio | 10.3412% | 7,451 |
| Memoranda: | ||
| Average total assets | $483,366,200 | 1,428 |
| Average earning assets | $433,096,400 | 1,464 |
| Average equity | $39,654,400 | 1,690 |
| Average total loans | $378,509,600 | 1,267 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0431% | 1,864 |
| Cost of funding earning assets | 2.3238% | 1,895 |
| Net interest margin | 3.7193% | 3,995 |
| Noninterest income to average assets | 1.4211% | 743 |
| Noninterest expense to average assets | 4.0757% | 1,177 |
| Loan and lease loss provision to assets | 0.6207% | 2,910 |
| Net operating income to assets | 0.0656% | 5,565 |
| Return on assets (ROA) | 0.2060% | 5,220 |
| Pretax return on assets | 0.2176% | 5,258 |
| Return on Equity (ROE) | 2.5140% | 4,986 |
| Retained earnings to average equity (ytd only) | 0.8222% | 4,837 |
| Net charge-offs to loans | 0.6270% | 2,803 |
| Credit loss provision to net charge-offs | 126.8555% | 3,960 |
| Earnings coverage of net charge-offs (x) | 1.4113% | 4,725 |
| Efficiency ratio | 83.6959% | 2,327 |
| Assets per employee ($millions) | 2.5884% | 7,069 |
| Cash dividends to net income (ytd only)* | 67.2949% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 4,315 |
| Loan loss allowance to noncurrent loans | 73.2691% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 2.8157% | 2,462 |
| Noncurrent loans to loans | 1.8155% | 3,894 |
| Net loans and leases to total assets | 77.0414% | 1,779 |
| Net loans and leases to deposits | 104.1533% | 761 |
| Net loans and leases to core deposits | 123.2204% | 1,975 |
| Total domestic deposits to total assets | 73.9693% | 6,947 |
| Equity capital to assets | 8.4832% | 6,268 |
| Core capital (leverage) ratio | 6.7147% | 7,576 |
| Tier 1 risk-based capital ratio | 8.0322% | 7,790 |
| Total risk-based capital ratio | 10.7269% | 7,350 |
| Memoranda: | ||
| Average total assets | $480,921,250 | 1,459 |
| Average earning assets | $432,549,000 | 1,476 |
| Average equity | $39,404,750 | 1,727 |
| Average total loans | $375,333,250 | 1,292 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9955% | 2,197 |
| Cost of funding earning assets | 2.3401% | 2,199 |
| Net interest margin | 3.6554% | 4,139 |
| Noninterest income to average assets | 1.3997% | 779 |
| Noninterest expense to average assets | 4.1459% | 1,134 |
| Loan and lease loss provision to assets | 0.3652% | 3,741 |
| Net operating income to assets | 0.1654% | 5,368 |
| Return on assets (ROA) | 0.2253% | 5,261 |
| Pretax return on assets | 0.2589% | 5,304 |
| Return on Equity (ROE) | 2.7860% | 4,983 |
| Retained earnings to average equity (ytd only) | 0.9462% | 4,803 |
| Net charge-offs to loans | 0.3188% | 3,593 |
| Credit loss provision to net charge-offs | 146.8376% | 3,151 |
| Earnings coverage of net charge-offs (x) | 2.2325% | 3,951 |
| Efficiency ratio | 86.3073% | 2,198 |
| Assets per employee ($millions) | 2.5284% | 7,196 |
| Cash dividends to net income (ytd only)* | 66.0377% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3226% | 4,146 |
| Loan loss allowance to noncurrent loans | 75.2055% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 2.2686% | 2,873 |
| Noncurrent loans to loans | 1.7586% | 3,868 |
| Net loans and leases to total assets | 77.5232% | 1,856 |
| Net loans and leases to deposits | 102.8322% | 1,010 |
| Net loans and leases to core deposits | 121.6923% | 2,228 |
| Total domestic deposits to total assets | 75.3881% | 6,684 |
| Equity capital to assets | 8.5181% | 6,019 |
| Core capital (leverage) ratio | 6.8736% | 7,616 |
| Tier 1 risk-based capital ratio | 8.0255% | 7,912 |
| Total risk-based capital ratio | 10.7855% | 7,319 |
| Memoranda: | ||
| Average total assets | $470,391,670 | 1,508 |
| Average earning assets | $424,855,000 | 1,524 |
| Average equity | $38,047,330 | 1,800 |
| Average total loans | $367,055,000 | 1,357 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9898% | 2,403 |
| Cost of funding earning assets | 2.3289% | 2,583 |
| Net interest margin | 3.6609% | 4,058 |
| Noninterest income to average assets | 1.5266% | 599 |
| Noninterest expense to average assets | 3.9681% | 1,220 |
| Loan and lease loss provision to assets | 0.5577% | 2,249 |
| Net operating income to assets | 0.2905% | 5,332 |
| Return on assets (ROA) | 0.4217% | 4,944 |
| Pretax return on assets | 0.4540% | 5,233 |
| Return on Equity (ROE) | 5.3670% | 4,304 |
| Retained earnings to average equity (ytd only) | 5.3670% | 2,927 |
| Net charge-offs to loans | 0.0706% | 4,485 |
| Credit loss provision to net charge-offs | 1,015.8730% | 604 |
| Earnings coverage of net charge-offs (x) | 15.8571% | 1,583 |
| Efficiency ratio | 80.1369% | 2,797 |
| Assets per employee ($millions) | 2.3430% | 7,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 2,958 |
| Loan loss allowance to noncurrent loans | 56.1523% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 2.5343% | 2,264 |
| Noncurrent loans to loans | 2.6803% | 2,453 |
| Net loans and leases to total assets | 77.3242% | 1,966 |
| Net loans and leases to deposits | 99.9136% | 1,420 |
| Net loans and leases to core deposits | 120.6859% | 2,357 |
| Total domestic deposits to total assets | 77.3910% | 6,183 |
| Equity capital to assets | 7.9448% | 6,892 |
| Core capital (leverage) ratio | 6.1606% | 7,976 |
| Tier 1 risk-based capital ratio | 7.4128% | 8,064 |
| Total risk-based capital ratio | 10.2816% | 7,800 |
| Memoranda: | ||
| Average total assets | $459,066,500 | 1,554 |
| Average earning assets | $415,305,500 | 1,565 |
| Average equity | $36,072,000 | 1,901 |
| Average total loans | $356,910,000 | 1,412 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6686% | 2,165 |
| Cost of funding earning assets | 2.9494% | 2,059 |
| Net interest margin | 3.7192% | 4,390 |
| Noninterest income to average assets | 1.5313% | 600 |
| Noninterest expense to average assets | 4.0004% | 1,421 |
| Loan and lease loss provision to assets | 0.5055% | 2,790 |
| Net operating income to assets | 0.3761% | 5,247 |
| Return on assets (ROA) | 0.4613% | 4,724 |
| Pretax return on assets | 0.4849% | 5,014 |
| Return on Equity (ROE) | 5.8100% | 4,024 |
| Retained earnings to average equity (ytd only) | 1.0451% | 4,599 |
| Net charge-offs to loans | 0.1519% | 4,684 |
| Credit loss provision to net charge-offs | 427.7040% | 1,024 |
| Earnings coverage of net charge-offs (x) | 7.6205% | 3,064 |
| Efficiency ratio | 79.8115% | 2,625 |
| Assets per employee ($millions) | 2.1445% | 7,777 |
| Cash dividends to net income (ytd only)* | 82.0126% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3725% | 3,350 |
| Loan loss allowance to noncurrent loans | 55.1273% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 2.3390% | 2,076 |
| Noncurrent loans to loans | 2.4896% | 2,192 |
| Net loans and leases to total assets | 75.9309% | 2,644 |
| Net loans and leases to deposits | 100.4416% | 1,794 |
| Net loans and leases to core deposits | 119.4418% | 2,745 |
| Total domestic deposits to total assets | 75.5971% | 6,325 |
| Equity capital to assets | 7.7705% | 7,132 |
| Core capital (leverage) ratio | 5.9108% | 8,106 |
| Tier 1 risk-based capital ratio | 7.3682% | 8,142 |
| Total risk-based capital ratio | 10.2582% | 7,773 |
| Memoranda: | ||
| Average total assets | $445,901,800 | 1,540 |
| Average earning assets | $404,013,200 | 1,544 |
| Average equity | $35,404,400 | 1,909 |
| Average total loans | $347,012,000 | 1,398 |