Home > Bank of Tennessee > Performance and Condition Ratios
Bank of Tennessee, 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 | 4.9189% | 2,235 |
| Cost of funding earning assets | 1.3448% | 2,377 |
| Net interest margin | 3.5741% | 2,016 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 2.4361% | 2,483 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.3499% | 1,322 |
| Return on assets (ROA) | 1.3499% | 1,295 |
| Pretax return on assets | 1.3499% | 1,741 |
| Return on Equity (ROE) | 16.5100% | 1,016 |
| Retained earnings to average equity (ytd only) | 7.0315% | 1,889 |
| Net charge-offs to loans | 0.0306% | 1,687 |
| Credit loss provision to net charge-offs | 499.7743% | 679 |
| Earnings coverage of net charge-offs (x) | 58.7765% | 1,197 |
| Efficiency ratio | 62.6834% | 2,760 |
| Assets per employee ($millions) | 6.4716% | 2,434 |
| Cash dividends to net income (ytd only)* | 57.3998% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0563% | 3,039 |
| Loan loss allowance to noncurrent loans | 385.6970% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.2236% | 2,106 |
| Noncurrent loans to loans | 0.2739% | 2,205 |
| Net loans and leases to total assets | 80.7900% | 554 |
| Net loans and leases to deposits | 92.3067% | 1,064 |
| Net loans and leases to core deposits | 101.6592% | 1,348 |
| Total domestic deposits to total assets | 87.5300% | 1,506 |
| Equity capital to assets | 8.3653% | 3,145 |
| Core capital (leverage) ratio | 9.4464% | 3,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4490% | 2,432 |
| Memoranda: | ||
| Average total assets | $1,795,435,600 | 627 |
| Average earning assets | $1,665,546,200 | 618 |
| Average equity | $146,839,400 | 682 |
| Average total loans | $1,446,928,200 | 527 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8276% | 2,211 |
| Cost of funding earning assets | 1.1802% | 2,492 |
| Net interest margin | 3.6475% | 1,891 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.4674% | 2,325 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.3468% | 1,429 |
| Return on assets (ROA) | 1.3468% | 1,414 |
| Pretax return on assets | 1.3468% | 1,907 |
| Return on Equity (ROE) | 16.5700% | 1,156 |
| Retained earnings to average equity (ytd only) | 6.8892% | 2,332 |
| Net charge-offs to loans | 0.0149% | 1,863 |
| Credit loss provision to net charge-offs | 1,110.0000% | 383 |
| Earnings coverage of net charge-offs (x) | 123.0313% | 828 |
| Efficiency ratio | 62.6151% | 2,646 |
| Assets per employee ($millions) | 6.3662% | 2,437 |
| Cash dividends to net income (ytd only)* | 58.4130% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 3,032 |
| Loan loss allowance to noncurrent loans | 143.7966% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.6081% | 968 |
| Noncurrent loans to loans | 0.7422% | 1,114 |
| Net loans and leases to total assets | 81.0600% | 530 |
| Net loans and leases to deposits | 93.0846% | 961 |
| Net loans and leases to core deposits | 101.0424% | 1,256 |
| Total domestic deposits to total assets | 87.0800% | 1,868 |
| Equity capital to assets | 7.8867% | 3,128 |
| Core capital (leverage) ratio | 9.5913% | 3,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5909% | 2,420 |
| Memoranda: | ||
| Average total assets | $1,781,573,500 | 630 |
| Average earning assets | $1,651,446,750 | 621 |
| Average equity | $144,841,250 | 685 |
| Average total loans | $1,430,821,250 | 533 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7796% | 2,035 |
| Cost of funding earning assets | 0.9924% | 2,628 |
| Net interest margin | 3.7873% | 1,653 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.4023% | 2,476 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.4846% | 1,135 |
| Return on assets (ROA) | 1.4846% | 1,130 |
| Pretax return on assets | 1.4846% | 1,630 |
| Return on Equity (ROE) | 18.0800% | 944 |
| Retained earnings to average equity (ytd only) | 8.3068% | 1,874 |
| Net charge-offs to loans | 0.0201% | 1,489 |
| Credit loss provision to net charge-offs | 836.6197% | 462 |
| Earnings coverage of net charge-offs (x) | 103.1690% | 915 |
| Efficiency ratio | 59.2422% | 3,051 |
| Assets per employee ($millions) | 6.3466% | 2,430 |
| Cash dividends to net income (ytd only)* | 54.0467% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 3,159 |
| Loan loss allowance to noncurrent loans | 672.2100% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.1388% | 2,580 |
| Noncurrent loans to loans | 0.1570% | 2,689 |
| Net loans and leases to total assets | 80.3800% | 596 |
| Net loans and leases to deposits | 94.2408% | 837 |
| Net loans and leases to core deposits | 98.2379% | 1,333 |
| Total domestic deposits to total assets | 85.2900% | 2,463 |
| Equity capital to assets | 8.2263% | 3,068 |
| Core capital (leverage) ratio | 9.6699% | 3,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7243% | 2,392 |
| Memoranda: | ||
| Average total assets | $1,772,764,333 | 622 |
| Average earning assets | $1,641,922,000 | 614 |
| Average equity | $145,591,333 | 678 |
| Average total loans | $1,413,972,667 | 526 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7218% | 1,795 |
| Cost of funding earning assets | 0.7614% | 2,868 |
| Net interest margin | 3.9604% | 1,345 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.3700% | 2,610 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 1.5857% | 1,009 |
| Return on assets (ROA) | 1.5857% | 1,005 |
| Pretax return on assets | 1.5857% | 1,500 |
| Return on Equity (ROE) | 19.3200% | 839 |
| Retained earnings to average equity (ytd only) | 9.1043% | 1,918 |
| Net charge-offs to loans | 0.0003% | 2,059 |
| Credit loss provision to net charge-offs | 56,200.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 8,027.0000% | 7 |
| Efficiency ratio | 56.6530% | 3,337 |
| Assets per employee ($millions) | 6.2602% | 2,536 |
| Cash dividends to net income (ytd only)* | 52.8850% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 3,324 |
| Loan loss allowance to noncurrent loans | 483.5792% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 2,285 |
| Noncurrent loans to loans | 0.2158% | 2,397 |
| Net loans and leases to total assets | 79.8200% | 555 |
| Net loans and leases to deposits | 89.7172% | 1,076 |
| Net loans and leases to core deposits | 92.0516% | 1,501 |
| Total domestic deposits to total assets | 88.9700% | 1,554 |
| Equity capital to assets | 8.3921% | 2,974 |
| Core capital (leverage) ratio | 9.6178% | 3,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6266% | 2,523 |
| Memoranda: | ||
| Average total assets | $1,770,623,500 | 635 |
| Average earning assets | $1,638,118,500 | 624 |
| Average equity | $145,294,500 | 693 |
| Average total loans | $1,399,153,500 | 543 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0721% | 1,535 |
| Cost of funding earning assets | 0.2198% | 3,599 |
| Net interest margin | 3.8523% | 1,061 |
| Noninterest income to average assets | 0.6700% | 1,396 |
| Noninterest expense to average assets | 2.5483% | 1,973 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.6269% | 643 |
| Return on assets (ROA) | 1.6269% | 614 |
| Pretax return on assets | 1.6269% | 1,090 |
| Return on Equity (ROE) | 20.0200% | 478 |
| Retained earnings to average equity (ytd only) | 10.4426% | 1,022 |
| Net charge-offs to loans | -0.0565% | 4,377 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.7105% | 2,958 |
| Assets per employee ($millions) | 6.3872% | 2,430 |
| Cash dividends to net income (ytd only)* | 47.8469% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9081% | 3,739 |
| Loan loss allowance to noncurrent loans | 465.4943% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.1510% | 2,484 |
| Noncurrent loans to loans | 0.1951% | 2,502 |
| Net loans and leases to total assets | 76.7100% | 931 |
| Net loans and leases to deposits | 85.6905% | 1,337 |
| Net loans and leases to core deposits | 86.7544% | 1,694 |
| Total domestic deposits to total assets | 89.5200% | 1,549 |
| Equity capital to assets | 8.0233% | 3,048 |
| Core capital (leverage) ratio | 9.3596% | 3,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5529% | 2,549 |
| Memoranda: | ||
| Average total assets | $1,798,526,400 | 607 |
| Average earning assets | $1,647,701,800 | 603 |
| Average equity | $146,131,800 | 695 |
| Average total loans | $1,317,228,400 | 533 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9072% | 1,469 |
| Cost of funding earning assets | 0.1397% | 3,941 |
| Net interest margin | 3.7675% | 1,004 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 2.5363% | 1,899 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.6130% | 640 |
| Return on assets (ROA) | 1.6130% | 620 |
| Pretax return on assets | 1.6130% | 1,089 |
| Return on Equity (ROE) | 19.7900% | 451 |
| Retained earnings to average equity (ytd only) | 11.6161% | 884 |
| Net charge-offs to loans | -0.0753% | 4,415 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.0169% | 2,969 |
| Assets per employee ($millions) | 6.2973% | 2,493 |
| Cash dividends to net income (ytd only)* | 41.3052% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9003% | 3,853 |
| Loan loss allowance to noncurrent loans | 443.3478% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.1574% | 2,517 |
| Noncurrent loans to loans | 0.2031% | 2,588 |
| Net loans and leases to total assets | 76.8300% | 829 |
| Net loans and leases to deposits | 85.4324% | 1,207 |
| Net loans and leases to core deposits | 86.3371% | 1,513 |
| Total domestic deposits to total assets | 89.9300% | 1,695 |
| Equity capital to assets | 7.8844% | 2,967 |
| Core capital (leverage) ratio | 9.3384% | 3,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5928% | 2,626 |
| Memoranda: | ||
| Average total assets | $1,801,056,750 | 611 |
| Average earning assets | $1,647,546,750 | 607 |
| Average equity | $146,792,500 | 695 |
| Average total loans | $1,300,417,000 | 534 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7523% | 1,416 |
| Cost of funding earning assets | 0.1271% | 3,878 |
| Net interest margin | 3.6252% | 1,033 |
| Noninterest income to average assets | 0.7285% | 1,240 |
| Noninterest expense to average assets | 2.4748% | 2,012 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5613% | 606 |
| Return on assets (ROA) | 1.5613% | 590 |
| Pretax return on assets | 1.5613% | 1,026 |
| Return on Equity (ROE) | 18.9571% | 389 |
| Retained earnings to average equity (ytd only) | 10.3980% | 926 |
| Net charge-offs to loans | -0.1250% | 4,495 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3159% | 3,138 |
| Assets per employee ($millions) | 6.3362% | 2,451 |
| Cash dividends to net income (ytd only)* | 45.1499% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9269% | 3,874 |
| Loan loss allowance to noncurrent loans | 448.6060% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.1531% | 2,642 |
| Noncurrent loans to loans | 0.2066% | 2,684 |
| Net loans and leases to total assets | 73.4110% | 962 |
| Net loans and leases to deposits | 81.5092% | 1,278 |
| Net loans and leases to core deposits | 82.4731% | 1,560 |
| Total domestic deposits to total assets | 90.0647% | 1,685 |
| Equity capital to assets | 8.0812% | 3,056 |
| Core capital (leverage) ratio | 8.8475% | 3,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5025% | 2,675 |
| Memoranda: | ||
| Average total assets | $1,815,757,667 | 598 |
| Average earning assets | $1,656,672,000 | 604 |
| Average equity | $149,548,000 | 693 |
| Average total loans | $1,279,831,000 | 532 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5762% | 1,572 |
| Cost of funding earning assets | 0.1275% | 3,805 |
| Net interest margin | 3.4487% | 1,189 |
| Noninterest income to average assets | 0.8493% | 933 |
| Noninterest expense to average assets | 2.3691% | 2,272 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6140% | 491 |
| Return on assets (ROA) | 1.6140% | 490 |
| Pretax return on assets | 1.6140% | 806 |
| Return on Equity (ROE) | 19.4198% | 249 |
| Retained earnings to average equity (ytd only) | 11.5448% | 665 |
| Net charge-offs to loans | -0.1257% | 4,517 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4786% | 3,539 |
| Assets per employee ($millions) | 6.5798% | 2,311 |
| Cash dividends to net income (ytd only)* | 40.5515% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9340% | 3,945 |
| Loan loss allowance to noncurrent loans | 375.5160% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.1673% | 2,620 |
| Noncurrent loans to loans | 0.2487% | 2,600 |
| Net loans and leases to total assets | 66.6470% | 1,345 |
| Net loans and leases to deposits | 73.5399% | 1,651 |
| Net loans and leases to core deposits | 74.5431% | 1,897 |
| Total domestic deposits to total assets | 90.6269% | 1,230 |
| Equity capital to assets | 7.8725% | 3,667 |
| Core capital (leverage) ratio | 8.6903% | 3,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7697% | 2,688 |
| Memoranda: | ||
| Average total assets | $1,833,405,500 | 596 |
| Average earning assets | $1,666,001,500 | 603 |
| Average equity | $152,380,500 | 700 |
| Average total loans | $1,260,104,500 | 539 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9079% | 1,587 |
| Cost of funding earning assets | 0.2337% | 3,095 |
| Net interest margin | 3.6742% | 1,276 |
| Noninterest income to average assets | 0.7766% | 1,515 |
| Noninterest expense to average assets | 2.5089% | 2,154 |
| Loan and lease loss provision to assets | 0.0331% | 2,391 |
| Net operating income to assets | 1.5738% | 871 |
| Return on assets (ROA) | 1.5738% | 900 |
| Pretax return on assets | 1.5738% | 1,499 |
| Return on Equity (ROE) | 18.2798% | 438 |
| Retained earnings to average equity (ytd only) | 9.8593% | 953 |
| Net charge-offs to loans | 0.0237% | 1,770 |
| Credit loss provision to net charge-offs | 192.0530% | 1,331 |
| Earnings coverage of net charge-offs (x) | 93.2119% | 908 |
| Efficiency ratio | 60.9581% | 3,001 |
| Assets per employee ($millions) | 6.3523% | 2,447 |
| Cash dividends to net income (ytd only)* | 46.0646% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9113% | 4,036 |
| Loan loss allowance to noncurrent loans | 351.8781% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.1820% | 2,663 |
| Noncurrent loans to loans | 0.2590% | 2,683 |
| Net loans and leases to total assets | 69.6238% | 1,084 |
| Net loans and leases to deposits | 77.5312% | 1,443 |
| Net loans and leases to core deposits | 78.7211% | 1,705 |
| Total domestic deposits to total assets | 89.8010% | 1,064 |
| Equity capital to assets | 8.7740% | 3,828 |
| Core capital (leverage) ratio | 8.4326% | 3,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6504% | 2,735 |
| Memoranda: | ||
| Average total assets | $1,751,819,000 | 598 |
| Average earning assets | $1,592,140,000 | 601 |
| Average equity | $150,822,400 | 707 |
| Average total loans | $1,276,204,000 | 531 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9036% | 1,752 |
| Cost of funding earning assets | 0.2571% | 3,045 |
| Net interest margin | 3.6464% | 1,477 |
| Noninterest income to average assets | 0.8012% | 1,524 |
| Noninterest expense to average assets | 2.4867% | 2,164 |
| Loan and lease loss provision to assets | 0.0443% | 2,109 |
| Net operating income to assets | 1.5841% | 1,066 |
| Return on assets (ROA) | 1.5841% | 1,117 |
| Pretax return on assets | 1.5841% | 1,755 |
| Return on Equity (ROE) | 18.4900% | 570 |
| Retained earnings to average equity (ytd only) | 10.0104% | 1,309 |
| Net charge-offs to loans | -0.0047% | 3,414 |
| Credit loss provision to net charge-offs | -1,288.8889% | 3,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4278% | 2,927 |
| Assets per employee ($millions) | 6.4477% | 2,300 |
| Cash dividends to net income (ytd only)* | 45.8605% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9115% | 4,124 |
| Loan loss allowance to noncurrent loans | 513.7871% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.1252% | 3,279 |
| Noncurrent loans to loans | 0.1774% | 3,244 |
| Net loans and leases to total assets | 69.9131% | 1,081 |
| Net loans and leases to deposits | 78.9470% | 1,392 |
| Net loans and leases to core deposits | 80.1565% | 1,714 |
| Total domestic deposits to total assets | 88.5570% | 1,538 |
| Equity capital to assets | 8.4336% | 4,256 |
| Core capital (leverage) ratio | 8.5026% | 4,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4840% | 2,868 |
| Memoranda: | ||
| Average total assets | $1,743,525,750 | 605 |
| Average earning assets | $1,584,564,250 | 607 |
| Average equity | $149,374,250 | 723 |
| Average total loans | $1,281,702,750 | 538 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8944% | 1,830 |
| Cost of funding earning assets | 0.2847% | 2,923 |
| Net interest margin | 3.6097% | 1,572 |
| Noninterest income to average assets | 0.8246% | 1,468 |
| Noninterest expense to average assets | 2.4732% | 2,231 |
| Loan and lease loss provision to assets | 0.0677% | 1,700 |
| Net operating income to assets | 1.5612% | 1,143 |
| Return on assets (ROA) | 1.5612% | 1,206 |
| Pretax return on assets | 1.5612% | 1,846 |
| Return on Equity (ROE) | 18.1219% | 634 |
| Retained earnings to average equity (ytd only) | 9.0488% | 1,693 |
| Net charge-offs to loans | 0.0055% | 1,945 |
| Credit loss provision to net charge-offs | 1,657.1429% | 335 |
| Earnings coverage of net charge-offs (x) | 398.9143% | 311 |
| Efficiency ratio | 60.2912% | 2,980 |
| Assets per employee ($millions) | 6.3749% | 2,254 |
| Cash dividends to net income (ytd only)* | 50.0673% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9144% | 4,118 |
| Loan loss allowance to noncurrent loans | 305.2989% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.2217% | 2,825 |
| Noncurrent loans to loans | 0.2995% | 2,856 |
| Net loans and leases to total assets | 72.2970% | 929 |
| Net loans and leases to deposits | 81.6104% | 1,266 |
| Net loans and leases to core deposits | 83.1388% | 1,630 |
| Total domestic deposits to total assets | 88.5879% | 1,521 |
| Equity capital to assets | 8.6219% | 4,112 |
| Core capital (leverage) ratio | 8.4786% | 3,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5724% | 2,840 |
| Memoranda: | ||
| Average total assets | $1,714,320,333 | 610 |
| Average earning assets | $1,556,542,667 | 614 |
| Average equity | $147,688,667 | 724 |
| Average total loans | $1,278,275,667 | 544 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9577% | 1,685 |
| Cost of funding earning assets | 0.3201% | 2,795 |
| Net interest margin | 3.6376% | 1,480 |
| Noninterest income to average assets | 0.9147% | 1,290 |
| Noninterest expense to average assets | 2.5483% | 2,033 |
| Loan and lease loss provision to assets | 0.1369% | 984 |
| Net operating income to assets | 1.5415% | 1,234 |
| Return on assets (ROA) | 1.5415% | 1,302 |
| Pretax return on assets | 1.5415% | 1,880 |
| Return on Equity (ROE) | 17.9010% | 741 |
| Retained earnings to average equity (ytd only) | 6.3909% | 2,765 |
| Net charge-offs to loans | -0.0147% | 3,849 |
| Credit loss provision to net charge-offs | -1,234.0426% | 3,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2903% | 2,997 |
| Assets per employee ($millions) | 6.3338% | 2,308 |
| Cash dividends to net income (ytd only)* | 64.2988% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9159% | 4,110 |
| Loan loss allowance to noncurrent loans | 283.6022% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.2384% | 2,947 |
| Noncurrent loans to loans | 0.3229% | 2,945 |
| Net loans and leases to total assets | 73.1562% | 889 |
| Net loans and leases to deposits | 82.9285% | 1,254 |
| Net loans and leases to core deposits | 84.7473% | 1,613 |
| Total domestic deposits to total assets | 88.2160% | 1,732 |
| Equity capital to assets | 8.3811% | 4,209 |
| Core capital (leverage) ratio | 8.5221% | 4,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3308% | 2,858 |
| Memoranda: | ||
| Average total assets | $1,694,938,000 | 608 |
| Average earning assets | $1,543,225,000 | 608 |
| Average equity | $145,958,000 | 728 |
| Average total loans | $1,277,852,000 | 546 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5226% | 1,258 |
| Cost of funding earning assets | 0.5882% | 2,396 |
| Net interest margin | 3.9344% | 1,128 |
| Noninterest income to average assets | 0.8086% | 1,505 |
| Noninterest expense to average assets | 2.6925% | 2,259 |
| Loan and lease loss provision to assets | 0.2585% | 1,505 |
| Net operating income to assets | 1.4580% | 904 |
| Return on assets (ROA) | 1.4575% | 985 |
| Pretax return on assets | 1.4575% | 1,484 |
| Return on Equity (ROE) | 16.2182% | 478 |
| Retained earnings to average equity (ytd only) | 8.5055% | 903 |
| Net charge-offs to loans | 0.0523% | 2,043 |
| Credit loss provision to net charge-offs | 622.4649% | 1,079 |
| Earnings coverage of net charge-offs (x) | 41.3385% | 1,356 |
| Efficiency ratio | 61.0684% | 3,299 |
| Assets per employee ($millions) | 5.9930% | 2,339 |
| Cash dividends to net income (ytd only)* | 47.5556% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8782% | 4,250 |
| Loan loss allowance to noncurrent loans | 270.4584% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 3,036 |
| Noncurrent loans to loans | 0.3247% | 3,040 |
| Net loans and leases to total assets | 76.3643% | 747 |
| Net loans and leases to deposits | 86.9178% | 1,182 |
| Net loans and leases to core deposits | 89.7514% | 1,544 |
| Total domestic deposits to total assets | 87.8580% | 1,553 |
| Equity capital to assets | 8.8548% | 4,181 |
| Core capital (leverage) ratio | 8.6421% | 4,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2404% | 2,856 |
| Memoranda: | ||
| Average total assets | $1,543,718,600 | 601 |
| Average earning assets | $1,412,652,600 | 599 |
| Average equity | $138,733,000 | 726 |
| Average total loans | $1,225,573,600 | 540 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5993% | 1,308 |
| Cost of funding earning assets | 0.6528% | 2,314 |
| Net interest margin | 3.9465% | 1,245 |
| Noninterest income to average assets | 0.7675% | 1,602 |
| Noninterest expense to average assets | 2.6731% | 2,333 |
| Loan and lease loss provision to assets | 0.2451% | 1,658 |
| Net operating income to assets | 1.4745% | 955 |
| Return on assets (ROA) | 1.4738% | 1,038 |
| Pretax return on assets | 1.4562% | 1,556 |
| Return on Equity (ROE) | 16.3337% | 506 |
| Retained earnings to average equity (ytd only) | 7.9599% | 1,317 |
| Net charge-offs to loans | 0.0541% | 1,833 |
| Credit loss provision to net charge-offs | 565.9229% | 1,198 |
| Earnings coverage of net charge-offs (x) | 39.2961% | 1,371 |
| Efficiency ratio | 61.0984% | 3,201 |
| Assets per employee ($millions) | 5.8171% | 2,431 |
| Cash dividends to net income (ytd only)* | 51.2668% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7721% | 4,431 |
| Loan loss allowance to noncurrent loans | 204.0202% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 2,922 |
| Noncurrent loans to loans | 0.3784% | 2,930 |
| Net loans and leases to total assets | 80.8392% | 538 |
| Net loans and leases to deposits | 92.8122% | 1,014 |
| Net loans and leases to core deposits | 95.9130% | 1,461 |
| Total domestic deposits to total assets | 87.0998% | 1,626 |
| Equity capital to assets | 8.8723% | 4,202 |
| Core capital (leverage) ratio | 8.7504% | 4,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8768% | 2,943 |
| Memoranda: | ||
| Average total assets | $1,517,627,250 | 595 |
| Average earning assets | $1,387,338,500 | 592 |
| Average equity | $136,932,500 | 729 |
| Average total loans | $1,214,542,500 | 538 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6529% | 1,529 |
| Cost of funding earning assets | 0.7214% | 2,285 |
| Net interest margin | 3.9315% | 1,494 |
| Noninterest income to average assets | 0.7070% | 1,713 |
| Noninterest expense to average assets | 2.6409% | 2,549 |
| Loan and lease loss provision to assets | 0.2271% | 1,846 |
| Net operating income to assets | 1.4573% | 1,006 |
| Return on assets (ROA) | 1.4563% | 1,093 |
| Pretax return on assets | 1.4294% | 1,644 |
| Return on Equity (ROE) | 16.0436% | 558 |
| Retained earnings to average equity (ytd only) | 7.2349% | 1,559 |
| Net charge-offs to loans | 0.0534% | 1,728 |
| Credit loss provision to net charge-offs | 534.8101% | 1,176 |
| Earnings coverage of net charge-offs (x) | 39.0348% | 1,263 |
| Efficiency ratio | 61.4387% | 3,209 |
| Assets per employee ($millions) | 5.7056% | 2,441 |
| Cash dividends to net income (ytd only)* | 54.9045% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7172% | 4,526 |
| Loan loss allowance to noncurrent loans | 159.9442% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.3696% | 2,818 |
| Noncurrent loans to loans | 0.4484% | 2,811 |
| Net loans and leases to total assets | 80.6626% | 520 |
| Net loans and leases to deposits | 94.3649% | 926 |
| Net loans and leases to core deposits | 98.2514% | 1,394 |
| Total domestic deposits to total assets | 85.4795% | 2,215 |
| Equity capital to assets | 8.8368% | 4,226 |
| Core capital (leverage) ratio | 8.6693% | 4,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8080% | 3,012 |
| Memoranda: | ||
| Average total assets | $1,488,329,333 | 597 |
| Average earning assets | $1,359,633,667 | 593 |
| Average equity | $135,094,667 | 729 |
| Average total loans | $1,183,393,333 | 537 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7234% | 1,639 |
| Cost of funding earning assets | 0.8185% | 2,287 |
| Net interest margin | 3.9049% | 1,661 |
| Noninterest income to average assets | 0.6729% | 1,762 |
| Noninterest expense to average assets | 2.7173% | 2,666 |
| Loan and lease loss provision to assets | 0.0996% | 2,438 |
| Net operating income to assets | 1.4069% | 960 |
| Return on assets (ROA) | 1.4047% | 1,046 |
| Pretax return on assets | 1.4047% | 1,549 |
| Return on Equity (ROE) | 15.2559% | 520 |
| Retained earnings to average equity (ytd only) | 5.9370% | 1,897 |
| Net charge-offs to loans | 0.0412% | 1,624 |
| Credit loss provision to net charge-offs | 307.6923% | 1,157 |
| Earnings coverage of net charge-offs (x) | 46.5214% | 951 |
| Efficiency ratio | 64.3316% | 3,185 |
| Assets per employee ($millions) | 5.1950% | 2,434 |
| Cash dividends to net income (ytd only)* | 61.0837% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6951% | 4,616 |
| Loan loss allowance to noncurrent loans | 170.9157% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.3258% | 3,143 |
| Noncurrent loans to loans | 0.4067% | 3,036 |
| Net loans and leases to total assets | 77.8971% | 999 |
| Net loans and leases to deposits | 95.7956% | 930 |
| Net loans and leases to core deposits | 101.6240% | 1,352 |
| Total domestic deposits to total assets | 81.3160% | 3,593 |
| Equity capital to assets | 9.1479% | 4,507 |
| Core capital (leverage) ratio | 9.1479% | 4,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4914% | 3,228 |
| Memoranda: | ||
| Average total assets | $1,445,115,500 | 582 |
| Average earning assets | $1,314,144,500 | 584 |
| Average equity | $133,063,000 | 735 |
| Average total loans | $1,135,382,000 | 537 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8529% | 1,885 |
| Cost of funding earning assets | 0.9824% | 1,802 |
| Net interest margin | 3.8705% | 2,272 |
| Noninterest income to average assets | 0.7440% | 1,650 |
| Noninterest expense to average assets | 2.7849% | 2,652 |
| Loan and lease loss provision to assets | 0.0359% | 3,292 |
| Net operating income to assets | 1.4522% | 1,180 |
| Return on assets (ROA) | 1.4522% | 1,239 |
| Pretax return on assets | 1.4522% | 1,973 |
| Return on Equity (ROE) | 16.4117% | 491 |
| Retained earnings to average equity (ytd only) | 7.6080% | 1,111 |
| Net charge-offs to loans | 0.0165% | 3,128 |
| Credit loss provision to net charge-offs | 278.5714% | 1,013 |
| Earnings coverage of net charge-offs (x) | 115.4560% | 603 |
| Efficiency ratio | 65.1739% | 2,900 |
| Assets per employee ($millions) | 4.9995% | 2,597 |
| Cash dividends to net income (ytd only)* | 53.6428% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7007% | 4,570 |
| Loan loss allowance to noncurrent loans | 179.6868% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.3125% | 3,173 |
| Noncurrent loans to loans | 0.3900% | 3,037 |
| Net loans and leases to total assets | 78.1452% | 1,059 |
| Net loans and leases to deposits | 95.9038% | 951 |
| Net loans and leases to core deposits | 102.7030% | 1,339 |
| Total domestic deposits to total assets | 81.4829% | 3,651 |
| Equity capital to assets | 9.2702% | 4,513 |
| Core capital (leverage) ratio | 9.0468% | 4,493 |
| Tier 1 risk-based capital ratio | 11.0673% | 4,833 |
| Total risk-based capital ratio | 11.7354% | 4,950 |
| Memoranda: | ||
| Average total assets | $1,412,040,200 | 578 |
| Average earning assets | $1,287,465,800 | 579 |
| Average equity | $124,947,400 | 732 |
| Average total loans | $1,106,206,200 | 528 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8462% | 1,984 |
| Cost of funding earning assets | 1.0008% | 1,758 |
| Net interest margin | 3.8454% | 2,455 |
| Noninterest income to average assets | 0.7141% | 1,725 |
| Noninterest expense to average assets | 2.7813% | 2,620 |
| Loan and lease loss provision to assets | 0.0479% | 2,934 |
| Net operating income to assets | 1.3906% | 1,501 |
| Return on assets (ROA) | 1.3906% | 1,568 |
| Pretax return on assets | 1.3906% | 2,345 |
| Return on Equity (ROE) | 15.9053% | 621 |
| Retained earnings to average equity (ytd only) | 7.2611% | 1,732 |
| Net charge-offs to loans | 0.0109% | 2,978 |
| Credit loss provision to net charge-offs | 563.3333% | 571 |
| Earnings coverage of net charge-offs (x) | 169.1847% | 498 |
| Efficiency ratio | 65.9107% | 2,738 |
| Assets per employee ($millions) | 5.1314% | 2,415 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7023% | 4,647 |
| Loan loss allowance to noncurrent loans | 220.4412% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.2492% | 3,567 |
| Noncurrent loans to loans | 0.3186% | 3,383 |
| Net loans and leases to total assets | 77.6853% | 1,190 |
| Net loans and leases to deposits | 98.5390% | 764 |
| Net loans and leases to core deposits | 106.0705% | 1,176 |
| Total domestic deposits to total assets | 78.8371% | 4,214 |
| Equity capital to assets | 8.9711% | 4,795 |
| Core capital (leverage) ratio | 8.8450% | 4,750 |
| Tier 1 risk-based capital ratio | 10.6769% | 5,029 |
| Total risk-based capital ratio | 11.3435% | 5,110 |
| Memoranda: | ||
| Average total assets | $1,411,334,000 | 580 |
| Average earning assets | $1,286,654,000 | 582 |
| Average equity | $123,394,000 | 734 |
| Average total loans | $1,104,395,000 | 527 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8797% | 1,817 |
| Cost of funding earning assets | 0.9858% | 1,762 |
| Net interest margin | 3.8938% | 2,255 |
| Noninterest income to average assets | 0.6411% | 1,969 |
| Noninterest expense to average assets | 2.7734% | 2,681 |
| Loan and lease loss provision to assets | 0.0580% | 2,665 |
| Net operating income to assets | 1.3614% | 1,541 |
| Return on assets (ROA) | 1.3614% | 1,602 |
| Pretax return on assets | 1.3614% | 2,340 |
| Return on Equity (ROE) | 15.7108% | 637 |
| Retained earnings to average equity (ytd only) | 6.8263% | 1,888 |
| Net charge-offs to loans | 0.0071% | 2,894 |
| Credit loss provision to net charge-offs | 1,043.5897% | 330 |
| Earnings coverage of net charge-offs (x) | 255.2821% | 317 |
| Efficiency ratio | 66.1464% | 2,791 |
| Assets per employee ($millions) | 4.9909% | 2,489 |
| Cash dividends to net income (ytd only)* | 56.5504% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6997% | 4,716 |
| Loan loss allowance to noncurrent loans | 258.8255% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 3,724 |
| Noncurrent loans to loans | 0.2703% | 3,562 |
| Net loans and leases to total assets | 78.2717% | 1,168 |
| Net loans and leases to deposits | 101.6686% | 564 |
| Net loans and leases to core deposits | 110.2478% | 962 |
| Total domestic deposits to total assets | 76.9871% | 4,562 |
| Equity capital to assets | 8.8533% | 4,877 |
| Core capital (leverage) ratio | 8.7665% | 4,799 |
| Tier 1 risk-based capital ratio | 10.4541% | 5,119 |
| Total risk-based capital ratio | 11.1162% | 5,197 |
| Memoranda: | ||
| Average total assets | $1,402,848,670 | 583 |
| Average earning assets | $1,279,557,000 | 584 |
| Average equity | $121,560,000 | 737 |
| Average total loans | $1,097,837,330 | 527 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7151% | 2,175 |
| Cost of funding earning assets | 0.9483% | 1,802 |
| Net interest margin | 3.7669% | 2,645 |
| Noninterest income to average assets | 0.6265% | 1,932 |
| Noninterest expense to average assets | 2.8136% | 2,528 |
| Loan and lease loss provision to assets | 0.0683% | 2,301 |
| Net operating income to assets | 1.1744% | 2,156 |
| Return on assets (ROA) | 1.1744% | 2,207 |
| Pretax return on assets | 1.1744% | 2,902 |
| Return on Equity (ROE) | 13.7047% | 1,031 |
| Retained earnings to average equity (ytd only) | 4.9927% | 2,908 |
| Net charge-offs to loans | 0.0092% | 2,368 |
| Credit loss provision to net charge-offs | 952.0000% | 388 |
| Earnings coverage of net charge-offs (x) | 173.1200% | 442 |
| Efficiency ratio | 69.3636% | 2,446 |
| Assets per employee ($millions) | 4.8807% | 2,668 |
| Cash dividends to net income (ytd only)* | 63.5697% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6998% | 4,780 |
| Loan loss allowance to noncurrent loans | 258.5743% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 3,749 |
| Noncurrent loans to loans | 0.2707% | 3,592 |
| Net loans and leases to total assets | 77.3572% | 1,261 |
| Net loans and leases to deposits | 95.9191% | 973 |
| Net loans and leases to core deposits | 105.6945% | 1,193 |
| Total domestic deposits to total assets | 80.6484% | 4,038 |
| Equity capital to assets | 8.5828% | 4,935 |
| Core capital (leverage) ratio | 8.7147% | 4,855 |
| Tier 1 risk-based capital ratio | 10.6579% | 5,128 |
| Total risk-based capital ratio | 11.3341% | 5,221 |
| Memoranda: | ||
| Average total assets | $1,393,071,500 | 588 |
| Average earning assets | $1,268,426,500 | 592 |
| Average equity | $119,375,000 | 747 |
| Average total loans | $1,086,164,000 | 536 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6837% | 1,883 |
| Cost of funding earning assets | 0.6430% | 2,439 |
| Net interest margin | 4.0406% | 1,853 |
| Noninterest income to average assets | 0.7501% | 1,641 |
| Noninterest expense to average assets | 3.0508% | 1,932 |
| Loan and lease loss provision to assets | 0.0308% | 3,576 |
| Net operating income to assets | 1.3141% | 1,742 |
| Return on assets (ROA) | 1.3141% | 1,730 |
| Pretax return on assets | 1.3469% | 2,330 |
| Return on Equity (ROE) | 15.5373% | 715 |
| Retained earnings to average equity (ytd only) | 10.8646% | 464 |
| Net charge-offs to loans | 0.0571% | 2,326 |
| Credit loss provision to net charge-offs | 69.1769% | 3,000 |
| Earnings coverage of net charge-offs (x) | 30.9842% | 1,563 |
| Efficiency ratio | 68.8905% | 2,408 |
| Assets per employee ($millions) | 4.7110% | 2,860 |
| Cash dividends to net income (ytd only)* | 30.0741% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6965% | 4,807 |
| Loan loss allowance to noncurrent loans | 235.6445% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.2307% | 3,676 |
| Noncurrent loans to loans | 0.2956% | 3,505 |
| Net loans and leases to total assets | 77.4938% | 1,355 |
| Net loans and leases to deposits | 99.3039% | 792 |
| Net loans and leases to core deposits | 106.4947% | 1,231 |
| Total domestic deposits to total assets | 78.0370% | 4,486 |
| Equity capital to assets | 8.5552% | 4,893 |
| Core capital (leverage) ratio | 8.9231% | 4,725 |
| Tier 1 risk-based capital ratio | 10.8766% | 5,029 |
| Total risk-based capital ratio | 11.5559% | 5,156 |
| Memoranda: | ||
| Average total assets | $1,284,170,400 | 610 |
| Average earning assets | $1,169,045,200 | 612 |
| Average equity | $108,609,600 | 787 |
| Average total loans | $999,997,000 | 560 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6350% | 1,882 |
| Cost of funding earning assets | 0.5982% | 2,483 |
| Net interest margin | 4.0368% | 1,835 |
| Noninterest income to average assets | 0.7721% | 1,571 |
| Noninterest expense to average assets | 3.0603% | 1,856 |
| Loan and lease loss provision to assets | 0.0248% | 3,521 |
| Net operating income to assets | 1.3234% | 1,765 |
| Return on assets (ROA) | 1.3234% | 1,774 |
| Pretax return on assets | 1.3616% | 2,373 |
| Return on Equity (ROE) | 15.6964% | 747 |
| Retained earnings to average equity (ytd only) | 9.3333% | 1,102 |
| Net charge-offs to loans | 0.0517% | 2,092 |
| Credit loss provision to net charge-offs | 61.6798% | 2,729 |
| Earnings coverage of net charge-offs (x) | 34.4250% | 1,480 |
| Efficiency ratio | 68.8212% | 2,385 |
| Assets per employee ($millions) | 4.5863% | 2,997 |
| Cash dividends to net income (ytd only)* | 40.5384% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7317% | 4,809 |
| Loan loss allowance to noncurrent loans | 205.6712% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.2796% | 3,564 |
| Noncurrent loans to loans | 0.3557% | 3,376 |
| Net loans and leases to total assets | 77.3778% | 1,435 |
| Net loans and leases to deposits | 95.7664% | 1,184 |
| Net loans and leases to core deposits | 103.1515% | 1,520 |
| Total domestic deposits to total assets | 80.7986% | 3,917 |
| Equity capital to assets | 8.4663% | 4,946 |
| Core capital (leverage) ratio | 8.8286% | 4,865 |
| Tier 1 risk-based capital ratio | 10.9259% | 5,071 |
| Total risk-based capital ratio | 11.6369% | 5,194 |
| Memoranda: | ||
| Average total assets | $1,261,309,500 | 622 |
| Average earning assets | $1,148,161,500 | 619 |
| Average equity | $106,340,250 | 801 |
| Average total loans | $981,623,250 | 568 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5929% | 1,801 |
| Cost of funding earning assets | 0.5320% | 2,750 |
| Net interest margin | 4.0610% | 1,669 |
| Noninterest income to average assets | 0.7849% | 1,518 |
| Noninterest expense to average assets | 3.1033% | 1,777 |
| Loan and lease loss provision to assets | 0.0121% | 3,617 |
| Net operating income to assets | 1.3289% | 1,665 |
| Return on assets (ROA) | 1.3289% | 1,670 |
| Pretax return on assets | 1.3667% | 2,266 |
| Return on Equity (ROE) | 15.7855% | 716 |
| Retained earnings to average equity (ytd only) | 6.0856% | 2,504 |
| Net charge-offs to loans | 0.0674% | 1,665 |
| Credit loss provision to net charge-offs | 23.0061% | 2,672 |
| Earnings coverage of net charge-offs (x) | 26.2853% | 1,607 |
| Efficiency ratio | 69.2382% | 2,441 |
| Assets per employee ($millions) | 4.6127% | 2,949 |
| Cash dividends to net income (ytd only)* | 61.4481% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7369% | 4,852 |
| Loan loss allowance to noncurrent loans | 162.8603% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 3,322 |
| Noncurrent loans to loans | 0.4524% | 3,082 |
| Net loans and leases to total assets | 77.4812% | 1,397 |
| Net loans and leases to deposits | 96.9202% | 1,048 |
| Net loans and leases to core deposits | 103.6273% | 1,427 |
| Total domestic deposits to total assets | 79.9432% | 4,247 |
| Equity capital to assets | 8.4412% | 4,986 |
| Core capital (leverage) ratio | 8.8026% | 4,877 |
| Tier 1 risk-based capital ratio | 10.8118% | 5,148 |
| Total risk-based capital ratio | 11.5321% | 5,269 |
| Memoranda: | ||
| Average total assets | $1,242,987,330 | 634 |
| Average earning assets | $1,131,650,000 | 629 |
| Average equity | $104,640,330 | 815 |
| Average total loans | $966,826,670 | 573 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5556% | 1,699 |
| Cost of funding earning assets | 0.4817% | 2,942 |
| Net interest margin | 4.0739% | 1,507 |
| Noninterest income to average assets | 0.8013% | 1,452 |
| Noninterest expense to average assets | 3.0919% | 1,847 |
| Loan and lease loss provision to assets | 0.0491% | 2,798 |
| Net operating income to assets | 1.3284% | 1,549 |
| Return on assets (ROA) | 1.3284% | 1,557 |
| Pretax return on assets | 1.3644% | 2,129 |
| Return on Equity (ROE) | 15.8021% | 658 |
| Retained earnings to average equity (ytd only) | 6.1572% | 2,641 |
| Net charge-offs to loans | -0.1679% | 5,339 |
| Credit loss provision to net charge-offs | -37.6884% | 3,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6250% | 2,730 |
| Assets per employee ($millions) | 4.5017% | 3,153 |
| Cash dividends to net income (ytd only)* | 61.0358% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8476% | 4,647 |
| Loan loss allowance to noncurrent loans | 133.5885% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.4941% | 2,879 |
| Noncurrent loans to loans | 0.6345% | 2,641 |
| Net loans and leases to total assets | 77.2111% | 1,356 |
| Net loans and leases to deposits | 93.7793% | 1,242 |
| Net loans and leases to core deposits | 100.6415% | 1,639 |
| Total domestic deposits to total assets | 82.3328% | 3,864 |
| Equity capital to assets | 8.2566% | 5,133 |
| Core capital (leverage) ratio | 8.5468% | 5,112 |
| Tier 1 risk-based capital ratio | 10.6054% | 5,318 |
| Total risk-based capital ratio | 11.4377% | 5,382 |
| Memoranda: | ||
| Average total assets | $1,221,014,500 | 642 |
| Average earning assets | $1,110,193,000 | 639 |
| Average equity | $102,644,500 | 830 |
| Average total loans | $947,973,500 | 587 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3903% | 2,055 |
| Cost of funding earning assets | 0.3679% | 3,540 |
| Net interest margin | 4.0223% | 1,682 |
| Noninterest income to average assets | 0.8984% | 1,274 |
| Noninterest expense to average assets | 3.2191% | 1,566 |
| Loan and lease loss provision to assets | 0.0045% | 4,159 |
| Net operating income to assets | 1.2933% | 1,240 |
| Return on assets (ROA) | 1.2939% | 1,257 |
| Pretax return on assets | 1.3197% | 2,283 |
| Return on Equity (ROE) | 14.8737% | 628 |
| Retained earnings to average equity (ytd only) | 5.8629% | 1,619 |
| Net charge-offs to loans | -0.0237% | 5,000 |
| Credit loss provision to net charge-offs | -24.7525% | 4,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8643% | 2,421 |
| Assets per employee ($millions) | 4.2841% | 3,513 |
| Cash dividends to net income (ytd only)* | 60.5820% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8243% | 4,759 |
| Loan loss allowance to noncurrent loans | 105.4713% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.6049% | 2,530 |
| Noncurrent loans to loans | 0.7815% | 2,268 |
| Net loans and leases to total assets | 76.7589% | 1,471 |
| Net loans and leases to deposits | 96.1681% | 1,077 |
| Net loans and leases to core deposits | 101.6106% | 1,577 |
| Total domestic deposits to total assets | 79.8174% | 4,373 |
| Equity capital to assets | 8.5617% | 5,076 |
| Core capital (leverage) ratio | 8.8240% | 4,836 |
| Tier 1 risk-based capital ratio | 11.1144% | 5,078 |
| Total risk-based capital ratio | 11.9409% | 5,192 |
| Memoranda: | ||
| Average total assets | $1,120,700,600 | 659 |
| Average earning assets | $1,015,382,200 | 670 |
| Average equity | $97,494,200 | 847 |
| Average total loans | $852,566,400 | 617 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3601% | 2,076 |
| Cost of funding earning assets | 0.3455% | 3,717 |
| Net interest margin | 4.0146% | 1,654 |
| Noninterest income to average assets | 0.8259% | 1,492 |
| Noninterest expense to average assets | 3.1762% | 1,616 |
| Loan and lease loss provision to assets | 0.0061% | 4,001 |
| Net operating income to assets | 1.2452% | 1,529 |
| Return on assets (ROA) | 1.2452% | 1,552 |
| Pretax return on assets | 1.2802% | 2,584 |
| Return on Equity (ROE) | 14.2517% | 778 |
| Retained earnings to average equity (ytd only) | 3.4610% | 3,863 |
| Net charge-offs to loans | -0.0405% | 5,095 |
| Credit loss provision to net charge-offs | -19.7628% | 4,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1770% | 2,340 |
| Assets per employee ($millions) | 4.1184% | 3,791 |
| Cash dividends to net income (ytd only)* | 75.7148% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8841% | 4,631 |
| Loan loss allowance to noncurrent loans | 112.3687% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.6247% | 2,636 |
| Noncurrent loans to loans | 0.7868% | 2,394 |
| Net loans and leases to total assets | 75.7066% | 1,639 |
| Net loans and leases to deposits | 93.8719% | 1,314 |
| Net loans and leases to core deposits | 98.3777% | 1,856 |
| Total domestic deposits to total assets | 80.6488% | 4,156 |
| Equity capital to assets | 8.8201% | 5,064 |
| Core capital (leverage) ratio | 8.8029% | 4,962 |
| Tier 1 risk-based capital ratio | 11.2478% | 5,107 |
| Total risk-based capital ratio | 12.1169% | 5,212 |
| Memoranda: | ||
| Average total assets | $1,100,988,750 | 675 |
| Average earning assets | $997,300,750 | 683 |
| Average equity | $96,192,250 | 858 |
| Average total loans | $833,604,750 | 631 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3136% | 2,080 |
| Cost of funding earning assets | 0.3142% | 3,940 |
| Net interest margin | 3.9994% | 1,607 |
| Noninterest income to average assets | 0.8114% | 1,531 |
| Noninterest expense to average assets | 3.2192% | 1,541 |
| Loan and lease loss provision to assets | 0.0092% | 3,744 |
| Net operating income to assets | 1.1595% | 1,743 |
| Return on assets (ROA) | 1.1595% | 1,785 |
| Pretax return on assets | 1.2082% | 2,738 |
| Return on Equity (ROE) | 13.3155% | 958 |
| Retained earnings to average equity (ytd only) | 2.3671% | 4,260 |
| Net charge-offs to loans | -0.0543% | 5,212 |
| Credit loss provision to net charge-offs | -22.4215% | 4,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5600% | 2,254 |
| Assets per employee ($millions) | 4.2219% | 3,577 |
| Cash dividends to net income (ytd only)* | 82.2233% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8986% | 4,646 |
| Loan loss allowance to noncurrent loans | 109.6913% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 0.6430% | 2,628 |
| Noncurrent loans to loans | 0.8192% | 2,353 |
| Net loans and leases to total assets | 75.3595% | 1,634 |
| Net loans and leases to deposits | 94.0421% | 1,255 |
| Net loans and leases to core deposits | 98.5173% | 1,765 |
| Total domestic deposits to total assets | 80.1338% | 4,379 |
| Equity capital to assets | 8.8352% | 5,044 |
| Core capital (leverage) ratio | 8.8917% | 4,853 |
| Tier 1 risk-based capital ratio | 11.2407% | 5,120 |
| Total risk-based capital ratio | 12.1210% | 5,237 |
| Memoranda: | ||
| Average total assets | $1,087,723,670 | 686 |
| Average earning assets | $985,958,330 | 696 |
| Average equity | $94,717,000 | 867 |
| Average total loans | $821,022,000 | 645 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2339% | 2,152 |
| Cost of funding earning assets | 0.2870% | 4,172 |
| Net interest margin | 3.9469% | 1,612 |
| Noninterest income to average assets | 0.8119% | 1,510 |
| Noninterest expense to average assets | 3.1751% | 1,683 |
| Loan and lease loss provision to assets | 0.0187% | 3,329 |
| Net operating income to assets | 1.1487% | 1,675 |
| Return on assets (ROA) | 1.1487% | 1,711 |
| Pretax return on assets | 1.2014% | 2,590 |
| Return on Equity (ROE) | 13.2936% | 940 |
| Retained earnings to average equity (ytd only) | 2.3274% | 4,209 |
| Net charge-offs to loans | -0.0671% | 5,307 |
| Credit loss provision to net charge-offs | -37.0370% | 3,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2402% | 2,531 |
| Assets per employee ($millions) | 4.1383% | 3,779 |
| Cash dividends to net income (ytd only)* | 82.4927% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9207% | 4,676 |
| Loan loss allowance to noncurrent loans | 90.6116% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 0.7686% | 2,381 |
| Noncurrent loans to loans | 1.0161% | 2,022 |
| Net loans and leases to total assets | 74.7196% | 1,628 |
| Net loans and leases to deposits | 89.4583% | 1,602 |
| Net loans and leases to core deposits | 92.7762% | 2,092 |
| Total domestic deposits to total assets | 83.5245% | 3,645 |
| Equity capital to assets | 8.5150% | 5,229 |
| Core capital (leverage) ratio | 8.7364% | 5,015 |
| Tier 1 risk-based capital ratio | 10.8466% | 5,389 |
| Total risk-based capital ratio | 11.7371% | 5,474 |
| Memoranda: | ||
| Average total assets | $1,070,078,500 | 700 |
| Average earning assets | $971,487,500 | 708 |
| Average equity | $92,465,500 | 885 |
| Average total loans | $804,547,000 | 660 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2285% | 2,392 |
| Cost of funding earning assets | 0.2699% | 4,367 |
| Net interest margin | 3.9586% | 1,756 |
| Noninterest income to average assets | 1.0326% | 1,061 |
| Noninterest expense to average assets | 3.2986% | 1,578 |
| Loan and lease loss provision to assets | 0.0199% | 3,972 |
| Net operating income to assets | 1.2951% | 1,224 |
| Return on assets (ROA) | 1.2957% | 1,296 |
| Pretax return on assets | 1.3081% | 2,252 |
| Return on Equity (ROE) | 14.0979% | 758 |
| Retained earnings to average equity (ytd only) | 5.8769% | 1,778 |
| Net charge-offs to loans | 0.0547% | 2,945 |
| Credit loss provision to net charge-offs | 49.7512% | 3,384 |
| Earnings coverage of net charge-offs (x) | 33.2139% | 1,344 |
| Efficiency ratio | 71.3058% | 2,695 |
| Assets per employee ($millions) | 4.1906% | 3,634 |
| Cash dividends to net income (ytd only)* | 58.3135% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9426% | 4,615 |
| Loan loss allowance to noncurrent loans | 82.3523% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 0.8664% | 2,180 |
| Noncurrent loans to loans | 1.1446% | 1,791 |
| Net loans and leases to total assets | 74.2414% | 1,808 |
| Net loans and leases to deposits | 87.6076% | 1,973 |
| Net loans and leases to core deposits | 90.9101% | 2,415 |
| Total domestic deposits to total assets | 84.7432% | 3,158 |
| Equity capital to assets | 8.7724% | 5,044 |
| Core capital (leverage) ratio | 8.8461% | 4,915 |
| Tier 1 risk-based capital ratio | 11.0779% | 5,298 |
| Total risk-based capital ratio | 11.9708% | 5,386 |
| Memoranda: | ||
| Average total assets | $1,005,871,800 | 720 |
| Average earning assets | $913,064,600 | 726 |
| Average equity | $92,446,200 | 863 |
| Average total loans | $734,447,000 | 681 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2329% | 2,400 |
| Cost of funding earning assets | 0.2621% | 4,479 |
| Net interest margin | 3.9708% | 1,742 |
| Noninterest income to average assets | 1.0150% | 1,115 |
| Noninterest expense to average assets | 3.3102% | 1,539 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3013% | 1,290 |
| Return on assets (ROA) | 1.3021% | 1,383 |
| Pretax return on assets | 1.3088% | 2,396 |
| Return on Equity (ROE) | 13.9995% | 827 |
| Retained earnings to average equity (ytd only) | 6.4388% | 1,943 |
| Net charge-offs to loans | 0.0680% | 2,354 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 26.5356% | 1,594 |
| Efficiency ratio | 71.6784% | 2,621 |
| Assets per employee ($millions) | 4.1254% | 3,746 |
| Cash dividends to net income (ytd only)* | 54.0068% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9498% | 4,665 |
| Loan loss allowance to noncurrent loans | 117.3560% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.6331% | 3,011 |
| Noncurrent loans to loans | 0.8093% | 2,643 |
| Net loans and leases to total assets | 73.4518% | 1,955 |
| Net loans and leases to deposits | 90.5279% | 1,690 |
| Net loans and leases to core deposits | 93.9338% | 2,195 |
| Total domestic deposits to total assets | 81.1372% | 4,217 |
| Equity capital to assets | 9.2487% | 4,922 |
| Core capital (leverage) ratio | 8.9373% | 4,898 |
| Tier 1 risk-based capital ratio | 11.2923% | 5,203 |
| Total risk-based capital ratio | 12.1914% | 5,317 |
| Memoranda: | ||
| Average total assets | $995,428,750 | 732 |
| Average earning assets | $903,277,000 | 735 |
| Average equity | $92,582,000 | 867 |
| Average total loans | $721,762,000 | 692 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2193% | 2,449 |
| Cost of funding earning assets | 0.2521% | 4,641 |
| Net interest margin | 3.9672% | 1,748 |
| Noninterest income to average assets | 1.0536% | 1,008 |
| Noninterest expense to average assets | 3.3513% | 1,480 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3011% | 1,273 |
| Return on assets (ROA) | 1.3072% | 1,354 |
| Pretax return on assets | 1.3072% | 2,378 |
| Return on Equity (ROE) | 14.0279% | 824 |
| Retained earnings to average equity (ytd only) | 8.0350% | 1,159 |
| Net charge-offs to loans | -0.0423% | 5,299 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0328% | 2,649 |
| Assets per employee ($millions) | 4.1285% | 3,691 |
| Cash dividends to net income (ytd only)* | 42.7218% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 4,240 |
| Loan loss allowance to noncurrent loans | 119.5344% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.6862% | 2,928 |
| Noncurrent loans to loans | 0.8768% | 2,545 |
| Net loans and leases to total assets | 72.3687% | 2,108 |
| Net loans and leases to deposits | 91.1662% | 1,610 |
| Net loans and leases to core deposits | 93.3165% | 2,227 |
| Total domestic deposits to total assets | 79.3810% | 4,696 |
| Equity capital to assets | 9.4031% | 4,862 |
| Core capital (leverage) ratio | 9.0906% | 4,727 |
| Tier 1 risk-based capital ratio | 11.4294% | 5,200 |
| Total risk-based capital ratio | 12.4177% | 5,250 |
| Memoranda: | ||
| Average total assets | $984,826,000 | 737 |
| Average earning assets | $893,371,000 | 741 |
| Average equity | $91,774,000 | 872 |
| Average total loans | $708,429,670 | 706 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1904% | 2,508 |
| Cost of funding earning assets | 0.2534% | 4,666 |
| Net interest margin | 3.9370% | 1,824 |
| Noninterest income to average assets | 1.2681% | 681 |
| Noninterest expense to average assets | 3.4841% | 1,211 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3534% | 1,129 |
| Return on assets (ROA) | 1.3624% | 1,176 |
| Pretax return on assets | 1.3624% | 2,032 |
| Return on Equity (ROE) | 14.6894% | 721 |
| Retained earnings to average equity (ytd only) | 4.7012% | 3,118 |
| Net charge-offs to loans | -0.2529% | 5,899 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0232% | 2,799 |
| Assets per employee ($millions) | 4.1176% | 3,732 |
| Cash dividends to net income (ytd only)* | 67.9964% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 3,776 |
| Loan loss allowance to noncurrent loans | 120.7720% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.7101% | 2,935 |
| Noncurrent loans to loans | 0.9514% | 2,474 |
| Net loans and leases to total assets | 70.2968% | 2,290 |
| Net loans and leases to deposits | 86.1485% | 2,048 |
| Net loans and leases to core deposits | 88.1464% | 2,549 |
| Total domestic deposits to total assets | 81.5997% | 4,328 |
| Equity capital to assets | 9.3103% | 4,879 |
| Core capital (leverage) ratio | 9.0000% | 4,855 |
| Tier 1 risk-based capital ratio | 11.8868% | 4,984 |
| Total risk-based capital ratio | 12.9850% | 4,994 |
| Memoranda: | ||
| Average total assets | $971,494,000 | 747 |
| Average earning assets | $880,765,500 | 752 |
| Average equity | $90,105,500 | 886 |
| Average total loans | $692,767,000 | 727 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1640% | 2,693 |
| Cost of funding earning assets | 0.3304% | 3,906 |
| Net interest margin | 3.8336% | 2,260 |
| Noninterest income to average assets | 1.2418% | 778 |
| Noninterest expense to average assets | 3.4508% | 1,382 |
| Loan and lease loss provision to assets | 0.0610% | 3,084 |
| Net operating income to assets | 1.2262% | 1,466 |
| Return on assets (ROA) | 1.2324% | 1,500 |
| Pretax return on assets | 1.2324% | 2,532 |
| Return on Equity (ROE) | 13.2452% | 1,006 |
| Retained earnings to average equity (ytd only) | 4.3206% | 2,902 |
| Net charge-offs to loans | 0.0632% | 2,964 |
| Credit loss provision to net charge-offs | 139.1198% | 1,884 |
| Earnings coverage of net charge-offs (x) | 29.3716% | 1,475 |
| Efficiency ratio | 72.8323% | 2,765 |
| Assets per employee ($millions) | 3.9299% | 4,064 |
| Cash dividends to net income (ytd only)* | 67.3796% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1088% | 4,003 |
| Loan loss allowance to noncurrent loans | 177.4743% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.4681% | 3,745 |
| Noncurrent loans to loans | 0.6248% | 3,315 |
| Net loans and leases to total assets | 70.7172% | 2,260 |
| Net loans and leases to deposits | 86.9196% | 2,013 |
| Net loans and leases to core deposits | 88.9590% | 2,504 |
| Total domestic deposits to total assets | 81.3593% | 4,384 |
| Equity capital to assets | 9.2386% | 4,858 |
| Core capital (leverage) ratio | 9.2167% | 4,586 |
| Tier 1 risk-based capital ratio | 12.2571% | 4,785 |
| Total risk-based capital ratio | 13.3373% | 4,799 |
| Memoranda: | ||
| Average total assets | $933,270,000 | 740 |
| Average earning assets | $851,132,600 | 742 |
| Average equity | $86,839,200 | 878 |
| Average total loans | $647,545,000 | 721 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1507% | 2,747 |
| Cost of funding earning assets | 0.3387% | 3,877 |
| Net interest margin | 3.8120% | 2,339 |
| Noninterest income to average assets | 1.1505% | 902 |
| Noninterest expense to average assets | 3.3244% | 1,640 |
| Loan and lease loss provision to assets | 0.0819% | 2,535 |
| Net operating income to assets | 1.1696% | 1,754 |
| Return on assets (ROA) | 1.1776% | 1,795 |
| Pretax return on assets | 1.2269% | 2,703 |
| Return on Equity (ROE) | 12.6321% | 1,214 |
| Retained earnings to average equity (ytd only) | 3.7591% | 3,796 |
| Net charge-offs to loans | 0.0909% | 2,258 |
| Credit loss provision to net charge-offs | 130.8046% | 1,869 |
| Earnings coverage of net charge-offs (x) | 20.7814% | 1,851 |
| Efficiency ratio | 71.8818% | 2,905 |
| Assets per employee ($millions) | 3.7611% | 4,336 |
| Cash dividends to net income (ytd only)* | 70.2419% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 3,939 |
| Loan loss allowance to noncurrent loans | 176.3323% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.5014% | 3,824 |
| Noncurrent loans to loans | 0.6513% | 3,373 |
| Net loans and leases to total assets | 69.9243% | 2,399 |
| Net loans and leases to deposits | 85.2072% | 2,249 |
| Net loans and leases to core deposits | 87.5243% | 2,702 |
| Total domestic deposits to total assets | 82.0638% | 4,141 |
| Equity capital to assets | 9.4518% | 4,808 |
| Core capital (leverage) ratio | 9.1532% | 4,804 |
| Tier 1 risk-based capital ratio | 12.2650% | 4,910 |
| Total risk-based capital ratio | 13.3525% | 4,935 |
| Memoranda: | ||
| Average total assets | $926,865,750 | 747 |
| Average earning assets | $844,749,500 | 754 |
| Average equity | $86,402,000 | 889 |
| Average total loans | $638,006,000 | 740 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1018% | 2,890 |
| Cost of funding earning assets | 0.3410% | 3,910 |
| Net interest margin | 3.7609% | 2,473 |
| Noninterest income to average assets | 1.1240% | 957 |
| Noninterest expense to average assets | 3.3044% | 1,691 |
| Loan and lease loss provision to assets | 0.0766% | 2,591 |
| Net operating income to assets | 1.1219% | 1,869 |
| Return on assets (ROA) | 1.1379% | 1,892 |
| Pretax return on assets | 1.1800% | 2,857 |
| Return on Equity (ROE) | 12.2636% | 1,292 |
| Retained earnings to average equity (ytd only) | 3.8734% | 3,537 |
| Net charge-offs to loans | 0.1389% | 1,666 |
| Credit loss provision to net charge-offs | 80.8219% | 2,320 |
| Earnings coverage of net charge-offs (x) | 13.0913% | 2,162 |
| Efficiency ratio | 72.7147% | 2,895 |
| Assets per employee ($millions) | 3.5735% | 4,670 |
| Cash dividends to net income (ytd only)* | 68.4151% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 4,135 |
| Loan loss allowance to noncurrent loans | 132.2134% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.6552% | 3,443 |
| Noncurrent loans to loans | 0.8618% | 2,975 |
| Net loans and leases to total assets | 68.4592% | 2,576 |
| Net loans and leases to deposits | 81.7320% | 2,592 |
| Net loans and leases to core deposits | 83.7052% | 3,008 |
| Total domestic deposits to total assets | 83.7606% | 3,662 |
| Equity capital to assets | 9.1934% | 5,028 |
| Core capital (leverage) ratio | 9.1185% | 4,793 |
| Tier 1 risk-based capital ratio | 12.4406% | 4,847 |
| Total risk-based capital ratio | 13.5217% | 4,855 |
| Memoranda: | ||
| Average total assets | $924,880,000 | 757 |
| Average earning assets | $841,136,330 | 765 |
| Average equity | $85,815,000 | 897 |
| Average total loans | $630,739,330 | 745 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1138% | 2,777 |
| Cost of funding earning assets | 0.3470% | 3,896 |
| Net interest margin | 3.7668% | 2,366 |
| Noninterest income to average assets | 1.0758% | 976 |
| Noninterest expense to average assets | 3.2431% | 1,861 |
| Loan and lease loss provision to assets | 0.1320% | 1,566 |
| Net operating income to assets | 1.0934% | 1,891 |
| Return on assets (ROA) | 1.1262% | 1,875 |
| Pretax return on assets | 1.1518% | 2,864 |
| Return on Equity (ROE) | 12.0816% | 1,326 |
| Retained earnings to average equity (ytd only) | 3.6948% | 3,793 |
| Net charge-offs to loans | 0.0931% | 1,793 |
| Credit loss provision to net charge-offs | 209.6552% | 1,022 |
| Earnings coverage of net charge-offs (x) | 19.8552% | 1,435 |
| Efficiency ratio | 72.1728% | 3,144 |
| Assets per employee ($millions) | 3.5993% | 4,725 |
| Cash dividends to net income (ytd only)* | 69.4177% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 3,915 |
| Loan loss allowance to noncurrent loans | 137.2202% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.6556% | 3,534 |
| Noncurrent loans to loans | 0.8824% | 3,041 |
| Net loans and leases to total assets | 67.0493% | 2,601 |
| Net loans and leases to deposits | 78.9155% | 2,693 |
| Net loans and leases to core deposits | 80.8086% | 3,076 |
| Total domestic deposits to total assets | 84.9633% | 3,432 |
| Equity capital to assets | 9.3869% | 4,869 |
| Core capital (leverage) ratio | 9.1542% | 4,786 |
| Tier 1 risk-based capital ratio | 12.8880% | 4,671 |
| Total risk-based capital ratio | 14.0570% | 4,637 |
| Memoranda: | ||
| Average total assets | $920,973,500 | 759 |
| Average earning assets | $835,623,500 | 767 |
| Average equity | $85,849,500 | 895 |
| Average total loans | $623,172,500 | 749 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1491% | 3,129 |
| Cost of funding earning assets | 0.3885% | 3,808 |
| Net interest margin | 3.7606% | 2,769 |
| Noninterest income to average assets | 1.0896% | 1,020 |
| Noninterest expense to average assets | 3.2782% | 1,979 |
| Loan and lease loss provision to assets | 0.1228% | 2,135 |
| Net operating income to assets | 1.0914% | 2,007 |
| Return on assets (ROA) | 1.0966% | 2,042 |
| Pretax return on assets | 1.0966% | 3,099 |
| Return on Equity (ROE) | 12.2033% | 1,351 |
| Retained earnings to average equity (ytd only) | 2.8068% | 4,245 |
| Net charge-offs to loans | 0.2420% | 1,756 |
| Credit loss provision to net charge-offs | 75.0167% | 2,967 |
| Earnings coverage of net charge-offs (x) | 7.4166% | 3,035 |
| Efficiency ratio | 72.9722% | 3,039 |
| Assets per employee ($millions) | 3.5131% | 4,879 |
| Cash dividends to net income (ytd only)* | 77.0000% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 3,978 |
| Loan loss allowance to noncurrent loans | 158.6655% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.5759% | 3,866 |
| Noncurrent loans to loans | 0.7584% | 3,427 |
| Net loans and leases to total assets | 66.6445% | 2,782 |
| Net loans and leases to deposits | 79.5888% | 2,775 |
| Net loans and leases to core deposits | 82.0853% | 3,099 |
| Total domestic deposits to total assets | 83.7359% | 3,824 |
| Equity capital to assets | 9.2558% | 4,999 |
| Core capital (leverage) ratio | 9.0178% | 4,971 |
| Tier 1 risk-based capital ratio | 13.1043% | 4,652 |
| Total risk-based capital ratio | 14.2792% | 4,624 |
| Memoranda: | ||
| Average total assets | $911,950,000 | 729 |
| Average earning assets | $825,195,000 | 741 |
| Average equity | $81,945,000 | 893 |
| Average total loans | $617,023,200 | 709 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1445% | 3,192 |
| Cost of funding earning assets | 0.3922% | 3,875 |
| Net interest margin | 3.7523% | 2,803 |
| Noninterest income to average assets | 1.0803% | 1,042 |
| Noninterest expense to average assets | 3.2619% | 1,991 |
| Loan and lease loss provision to assets | 0.1397% | 1,789 |
| Net operating income to assets | 1.0680% | 2,162 |
| Return on assets (ROA) | 1.0698% | 2,223 |
| Pretax return on assets | 1.0698% | 3,301 |
| Return on Equity (ROE) | 11.9960% | 1,482 |
| Retained earnings to average equity (ytd only) | 2.7614% | 4,630 |
| Net charge-offs to loans | 0.2826% | 1,391 |
| Credit loss provision to net charge-offs | 72.9916% | 2,715 |
| Earnings coverage of net charge-offs (x) | 6.3114% | 3,103 |
| Efficiency ratio | 72.9798% | 3,004 |
| Assets per employee ($millions) | 3.4334% | 4,992 |
| Cash dividends to net income (ytd only)* | 76.9810% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 4,139 |
| Loan loss allowance to noncurrent loans | 109.3640% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 0.8009% | 3,416 |
| Noncurrent loans to loans | 1.1129% | 2,844 |
| Net loans and leases to total assets | 66.0742% | 2,857 |
| Net loans and leases to deposits | 78.6876% | 2,872 |
| Net loans and leases to core deposits | 81.3713% | 3,166 |
| Total domestic deposits to total assets | 83.9702% | 3,781 |
| Equity capital to assets | 9.1167% | 5,238 |
| Core capital (leverage) ratio | 9.1097% | 4,918 |
| Tier 1 risk-based capital ratio | 13.0635% | 4,828 |
| Total risk-based capital ratio | 14.2466% | 4,792 |
| Memoranda: | ||
| Average total assets | $910,705,000 | 737 |
| Average earning assets | $822,594,250 | 744 |
| Average equity | $81,214,000 | 904 |
| Average total loans | $616,647,500 | 704 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1579% | 3,110 |
| Cost of funding earning assets | 0.3949% | 3,914 |
| Net interest margin | 3.7629% | 2,700 |
| Noninterest income to average assets | 1.0223% | 1,140 |
| Noninterest expense to average assets | 3.1780% | 2,256 |
| Loan and lease loss provision to assets | 0.2100% | 1,130 |
| Net operating income to assets | 1.0296% | 2,204 |
| Return on assets (ROA) | 1.0322% | 2,257 |
| Pretax return on assets | 1.0322% | 3,351 |
| Return on Equity (ROE) | 11.6628% | 1,531 |
| Retained earnings to average equity (ytd only) | 2.3997% | 4,680 |
| Net charge-offs to loans | 0.1114% | 2,548 |
| Credit loss provision to net charge-offs | 277.3256% | 916 |
| Earnings coverage of net charge-offs (x) | 16.3721% | 1,796 |
| Efficiency ratio | 71.9396% | 3,354 |
| Assets per employee ($millions) | 3.3812% | 5,097 |
| Cash dividends to net income (ytd only)* | 79.4243% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 3,446 |
| Loan loss allowance to noncurrent loans | 93.1461% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.0645% | 2,944 |
| Noncurrent loans to loans | 1.4829% | 2,340 |
| Net loans and leases to total assets | 66.8870% | 2,601 |
| Net loans and leases to deposits | 79.9315% | 2,525 |
| Net loans and leases to core deposits | 83.0528% | 2,847 |
| Total domestic deposits to total assets | 83.6804% | 4,039 |
| Equity capital to assets | 9.2138% | 5,089 |
| Core capital (leverage) ratio | 8.9627% | 5,078 |
| Tier 1 risk-based capital ratio | 12.9522% | 4,943 |
| Total risk-based capital ratio | 14.2033% | 4,880 |
| Memoranda: | ||
| Average total assets | $908,698,000 | 739 |
| Average earning assets | $819,890,000 | 750 |
| Average equity | $80,427,000 | 905 |
| Average total loans | $617,802,670 | 696 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0928% | 3,312 |
| Cost of funding earning assets | 0.3996% | 3,974 |
| Net interest margin | 3.6932% | 2,886 |
| Noninterest income to average assets | 0.9906% | 1,151 |
| Noninterest expense to average assets | 3.1125% | 2,488 |
| Loan and lease loss provision to assets | 0.2269% | 981 |
| Net operating income to assets | 0.9744% | 2,308 |
| Return on assets (ROA) | 0.9801% | 2,344 |
| Pretax return on assets | 0.9801% | 3,406 |
| Return on Equity (ROE) | 11.3022% | 1,603 |
| Retained earnings to average equity (ytd only) | 2.0857% | 4,768 |
| Net charge-offs to loans | 0.0798% | 2,356 |
| Credit loss provision to net charge-offs | 417.7419% | 633 |
| Earnings coverage of net charge-offs (x) | 22.1210% | 1,263 |
| Efficiency ratio | 72.1523% | 3,458 |
| Assets per employee ($millions) | 3.4902% | 4,937 |
| Cash dividends to net income (ytd only)* | 81.5460% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 4,027 |
| Loan loss allowance to noncurrent loans | 132.8694% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.7977% | 3,748 |
| Noncurrent loans to loans | 0.9916% | 3,436 |
| Net loans and leases to total assets | 66.9935% | 2,398 |
| Net loans and leases to deposits | 79.9131% | 2,301 |
| Net loans and leases to core deposits | 83.4402% | 2,580 |
| Total domestic deposits to total assets | 83.8329% | 4,331 |
| Equity capital to assets | 8.7370% | 5,411 |
| Core capital (leverage) ratio | 8.8997% | 5,142 |
| Tier 1 risk-based capital ratio | 12.5889% | 5,264 |
| Total risk-based capital ratio | 13.8392% | 5,199 |
| Memoranda: | ||
| Average total assets | $913,347,500 | 741 |
| Average earning assets | $821,830,500 | 753 |
| Average equity | $79,206,000 | 924 |
| Average total loans | $621,700,500 | 689 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3547% | 2,757 |
| Cost of funding earning assets | 0.5012% | 3,596 |
| Net interest margin | 3.8535% | 2,464 |
| Noninterest income to average assets | 0.8961% | 1,690 |
| Noninterest expense to average assets | 3.2277% | 2,339 |
| Loan and lease loss provision to assets | 0.2882% | 1,192 |
| Net operating income to assets | 0.8809% | 2,873 |
| Return on assets (ROA) | 0.8834% | 2,950 |
| Pretax return on assets | 0.8672% | 3,892 |
| Return on Equity (ROE) | 10.0673% | 2,085 |
| Retained earnings to average equity (ytd only) | 1.7242% | 5,011 |
| Net charge-offs to loans | 0.7944% | 792 |
| Credit loss provision to net charge-offs | 52.9236% | 3,754 |
| Earnings coverage of net charge-offs (x) | 2.1169% | 4,327 |
| Efficiency ratio | 73.6835% | 3,184 |
| Assets per employee ($millions) | 3.4819% | 4,935 |
| Cash dividends to net income (ytd only)* | 82.8729% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2601% | 4,345 |
| Loan loss allowance to noncurrent loans | 126.7185% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.8039% | 3,871 |
| Noncurrent loans to loans | 0.9944% | 3,528 |
| Net loans and leases to total assets | 67.3905% | 2,458 |
| Net loans and leases to deposits | 80.1149% | 2,443 |
| Net loans and leases to core deposits | 84.4577% | 2,625 |
| Total domestic deposits to total assets | 84.1174% | 4,117 |
| Equity capital to assets | 8.6065% | 5,474 |
| Core capital (leverage) ratio | 8.8790% | 5,167 |
| Tier 1 risk-based capital ratio | 12.5871% | 5,236 |
| Total risk-based capital ratio | 13.8060% | 5,206 |
| Memoranda: | ||
| Average total assets | $860,511,200 | 768 |
| Average earning assets | $778,096,800 | 777 |
| Average equity | $75,512,000 | 946 |
| Average total loans | $589,848,600 | 704 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4148% | 2,544 |
| Cost of funding earning assets | 0.5279% | 3,486 |
| Net interest margin | 3.8869% | 2,325 |
| Noninterest income to average assets | 0.8209% | 2,052 |
| Noninterest expense to average assets | 3.1898% | 2,400 |
| Loan and lease loss provision to assets | 0.3544% | 898 |
| Net operating income to assets | 0.7967% | 3,364 |
| Return on assets (ROA) | 0.7941% | 3,509 |
| Pretax return on assets | 0.7941% | 4,317 |
| Return on Equity (ROE) | 9.0025% | 2,630 |
| Retained earnings to average equity (ytd only) | 0.3617% | 5,821 |
| Net charge-offs to loans | 1.0181% | 556 |
| Credit loss provision to net charge-offs | 50.7197% | 3,481 |
| Earnings coverage of net charge-offs (x) | 1.6475% | 4,290 |
| Efficiency ratio | 73.4822% | 3,146 |
| Assets per employee ($millions) | 3.4321% | 4,989 |
| Cash dividends to net income (ytd only)* | 95.9827% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 4,644 |
| Loan loss allowance to noncurrent loans | 115.7405% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.8792% | 3,917 |
| Noncurrent loans to loans | 1.0796% | 3,641 |
| Net loans and leases to total assets | 68.3040% | 2,254 |
| Net loans and leases to deposits | 82.0409% | 2,131 |
| Net loans and leases to core deposits | 86.8952% | 2,298 |
| Total domestic deposits to total assets | 83.2560% | 4,481 |
| Equity capital to assets | 8.6363% | 5,582 |
| Core capital (leverage) ratio | 8.8064% | 5,403 |
| Tier 1 risk-based capital ratio | 12.3638% | 5,539 |
| Total risk-based capital ratio | 13.5798% | 5,494 |
| Memoranda: | ||
| Average total assets | $848,444,250 | 785 |
| Average earning assets | $768,330,250 | 787 |
| Average equity | $74,836,500 | 965 |
| Average total loans | $582,249,000 | 717 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5163% | 2,133 |
| Cost of funding earning assets | 0.5655% | 3,260 |
| Net interest margin | 3.9508% | 2,044 |
| Noninterest income to average assets | 0.7785% | 2,284 |
| Noninterest expense to average assets | 3.2396% | 2,237 |
| Loan and lease loss provision to assets | 0.3147% | 1,128 |
| Net operating income to assets | 0.7995% | 3,302 |
| Return on assets (ROA) | 0.7954% | 3,476 |
| Pretax return on assets | 0.7954% | 4,328 |
| Return on Equity (ROE) | 8.9500% | 2,628 |
| Retained earnings to average equity (ytd only) | -0.1411% | 5,880 |
| Net charge-offs to loans | 0.5724% | 1,155 |
| Credit loss provision to net charge-offs | 80.3571% | 2,615 |
| Earnings coverage of net charge-offs (x) | 2.8448% | 3,568 |
| Efficiency ratio | 74.4073% | 3,050 |
| Assets per employee ($millions) | 3.5409% | 4,775 |
| Cash dividends to net income (ytd only)* | 101.5767% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5686% | 3,281 |
| Loan loss allowance to noncurrent loans | 107.0971% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 1.2747% | 3,210 |
| Noncurrent loans to loans | 1.4647% | 3,112 |
| Net loans and leases to total assets | 67.4305% | 2,348 |
| Net loans and leases to deposits | 80.8340% | 2,206 |
| Net loans and leases to core deposits | 85.3012% | 2,405 |
| Total domestic deposits to total assets | 83.4185% | 4,535 |
| Equity capital to assets | 8.7195% | 5,524 |
| Core capital (leverage) ratio | 8.6917% | 5,436 |
| Tier 1 risk-based capital ratio | 12.5563% | 5,465 |
| Total risk-based capital ratio | 13.8085% | 5,399 |
| Memoranda: | ||
| Average total assets | $829,238,000 | 801 |
| Average earning assets | $750,430,670 | 809 |
| Average equity | $73,698,670 | 983 |
| Average total loans | $567,429,330 | 735 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7396% | 1,432 |
| Cost of funding earning assets | 0.6032% | 3,082 |
| Net interest margin | 4.1364% | 1,357 |
| Noninterest income to average assets | 0.7380% | 2,386 |
| Noninterest expense to average assets | 3.3110% | 2,057 |
| Loan and lease loss provision to assets | 0.3306% | 1,015 |
| Net operating income to assets | 0.8148% | 3,080 |
| Return on assets (ROA) | 0.8148% | 3,220 |
| Pretax return on assets | 0.8385% | 4,004 |
| Return on Equity (ROE) | 9.0697% | 2,455 |
| Retained earnings to average equity (ytd only) | -0.4833% | 5,876 |
| Net charge-offs to loans | 0.2023% | 2,204 |
| Credit loss provision to net charge-offs | 239.0511% | 953 |
| Earnings coverage of net charge-offs (x) | 8.4526% | 1,944 |
| Efficiency ratio | 73.9042% | 3,284 |
| Assets per employee ($millions) | 3.5712% | 4,836 |
| Cash dividends to net income (ytd only)* | 105.3284% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6762% | 3,108 |
| Loan loss allowance to noncurrent loans | 103.4918% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 1.5940% | 2,874 |
| Noncurrent loans to loans | 1.6196% | 3,110 |
| Net loans and leases to total assets | 65.7204% | 2,418 |
| Net loans and leases to deposits | 79.4792% | 2,153 |
| Net loans and leases to core deposits | 84.4311% | 2,278 |
| Total domestic deposits to total assets | 82.6889% | 4,960 |
| Equity capital to assets | 9.0005% | 5,483 |
| Core capital (leverage) ratio | 8.6531% | 5,389 |
| Tier 1 risk-based capital ratio | 12.4421% | 5,613 |
| Total risk-based capital ratio | 13.6951% | 5,561 |
| Memoranda: | ||
| Average total assets | $792,387,500 | 849 |
| Average earning assets | $716,853,000 | 854 |
| Average equity | $71,182,000 | 1,023 |
| Average total loans | $541,864,500 | 771 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4034% | 3,795 |
| Cost of funding earning assets | 0.5643% | 4,695 |
| Net interest margin | 3.8392% | 3,063 |
| Noninterest income to average assets | 1.0253% | 1,465 |
| Noninterest expense to average assets | 3.1179% | 2,875 |
| Loan and lease loss provision to assets | 0.3139% | 2,183 |
| Net operating income to assets | 0.9399% | 2,600 |
| Return on assets (ROA) | 0.9391% | 2,855 |
| Pretax return on assets | 0.9391% | 3,781 |
| Return on Equity (ROE) | 10.4933% | 1,973 |
| Retained earnings to average equity (ytd only) | 1.6509% | 5,034 |
| Net charge-offs to loans | 0.3957% | 2,671 |
| Credit loss provision to net charge-offs | 114.8274% | 2,526 |
| Earnings coverage of net charge-offs (x) | 4.5863% | 3,318 |
| Efficiency ratio | 71.3194% | 3,564 |
| Assets per employee ($millions) | 3.4359% | 5,134 |
| Cash dividends to net income (ytd only)* | 84.2669% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6772% | 3,016 |
| Loan loss allowance to noncurrent loans | 138.4492% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 1.0542% | 3,921 |
| Noncurrent loans to loans | 1.2114% | 3,828 |
| Net loans and leases to total assets | 69.3833% | 1,960 |
| Net loans and leases to deposits | 83.7357% | 1,787 |
| Net loans and leases to core deposits | 88.9319% | 1,980 |
| Total domestic deposits to total assets | 82.8599% | 4,775 |
| Equity capital to assets | 8.9588% | 5,566 |
| Core capital (leverage) ratio | 8.3927% | 5,765 |
| Tier 1 risk-based capital ratio | 11.4366% | 6,143 |
| Total risk-based capital ratio | 12.6886% | 6,108 |
| Memoranda: | ||
| Average total assets | $646,342,800 | 1,017 |
| Average earning assets | $563,376,800 | 1,073 |
| Average equity | $57,846,200 | 1,226 |
| Average total loans | $446,572,600 | 929 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4635% | 3,764 |
| Cost of funding earning assets | 0.5847% | 4,793 |
| Net interest margin | 3.8788% | 2,987 |
| Noninterest income to average assets | 1.0257% | 1,439 |
| Noninterest expense to average assets | 3.0592% | 3,023 |
| Loan and lease loss provision to assets | 0.3386% | 1,934 |
| Net operating income to assets | 0.9828% | 2,597 |
| Return on assets (ROA) | 0.9818% | 2,829 |
| Pretax return on assets | 0.9818% | 3,784 |
| Return on Equity (ROE) | 10.9725% | 1,969 |
| Retained earnings to average equity (ytd only) | 3.1614% | 4,650 |
| Net charge-offs to loans | 0.3450% | 2,724 |
| Credit loss provision to net charge-offs | 142.7948% | 2,017 |
| Earnings coverage of net charge-offs (x) | 5.5729% | 2,987 |
| Efficiency ratio | 69.8355% | 3,723 |
| Assets per employee ($millions) | 3.4652% | 5,049 |
| Cash dividends to net income (ytd only)* | 71.1875% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8142% | 2,753 |
| Loan loss allowance to noncurrent loans | 149.1048% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 1.0943% | 4,107 |
| Noncurrent loans to loans | 1.2168% | 4,020 |
| Net loans and leases to total assets | 66.7721% | 2,507 |
| Net loans and leases to deposits | 81.1055% | 2,237 |
| Net loans and leases to core deposits | 86.6154% | 2,386 |
| Total domestic deposits to total assets | 82.3275% | 4,908 |
| Equity capital to assets | 9.0981% | 5,713 |
| Core capital (leverage) ratio | 8.6165% | 5,599 |
| Tier 1 risk-based capital ratio | 12.1812% | 5,842 |
| Total risk-based capital ratio | 13.4328% | 5,807 |
| Memoranda: | ||
| Average total assets | $643,864,250 | 1,029 |
| Average earning assets | $556,886,500 | 1,097 |
| Average equity | $57,609,500 | 1,238 |
| Average total loans | $442,440,750 | 945 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5107% | 3,718 |
| Cost of funding earning assets | 0.5906% | 4,981 |
| Net interest margin | 3.9200% | 2,830 |
| Noninterest income to average assets | 0.9852% | 1,502 |
| Noninterest expense to average assets | 3.0494% | 3,087 |
| Loan and lease loss provision to assets | 0.3418% | 1,925 |
| Net operating income to assets | 0.9905% | 2,505 |
| Return on assets (ROA) | 0.9905% | 2,734 |
| Pretax return on assets | 0.9905% | 3,738 |
| Return on Equity (ROE) | 11.1335% | 1,944 |
| Retained earnings to average equity (ytd only) | 3.2610% | 4,444 |
| Net charge-offs to loans | 0.4957% | 2,102 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 3.8980% | 3,236 |
| Efficiency ratio | 69.5936% | 3,833 |
| Assets per employee ($millions) | 3.3867% | 5,235 |
| Cash dividends to net income (ytd only)* | 70.7102% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7154% | 3,160 |
| Loan loss allowance to noncurrent loans | 130.2725% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 1.2725% | 3,883 |
| Noncurrent loans to loans | 1.3168% | 3,948 |
| Net loans and leases to total assets | 67.1791% | 2,433 |
| Net loans and leases to deposits | 81.8499% | 2,134 |
| Net loans and leases to core deposits | 87.3572% | 2,272 |
| Total domestic deposits to total assets | 82.0760% | 5,101 |
| Equity capital to assets | 9.0659% | 5,629 |
| Core capital (leverage) ratio | 8.6075% | 5,506 |
| Tier 1 risk-based capital ratio | 12.2137% | 5,784 |
| Total risk-based capital ratio | 13.4709% | 5,762 |
| Memoranda: | ||
| Average total assets | $642,485,670 | 1,033 |
| Average earning assets | $556,682,330 | 1,092 |
| Average equity | $57,160,670 | 1,248 |
| Average total loans | $443,028,330 | 942 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4801% | 4,003 |
| Cost of funding earning assets | 0.5937% | 5,181 |
| Net interest margin | 3.8863% | 2,981 |
| Noninterest income to average assets | 0.9769% | 1,492 |
| Noninterest expense to average assets | 3.0891% | 2,952 |
| Loan and lease loss provision to assets | 0.2921% | 2,129 |
| Net operating income to assets | 0.9800% | 2,558 |
| Return on assets (ROA) | 0.9800% | 2,762 |
| Pretax return on assets | 0.9800% | 3,748 |
| Return on Equity (ROE) | 11.1200% | 1,972 |
| Retained earnings to average equity (ytd only) | 3.1872% | 4,655 |
| Net charge-offs to loans | 0.2459% | 2,699 |
| Credit loss provision to net charge-offs | 171.5328% | 1,490 |
| Earnings coverage of net charge-offs (x) | 7.4708% | 2,069 |
| Efficiency ratio | 70.8321% | 3,653 |
| Assets per employee ($millions) | 3.3368% | 5,478 |
| Cash dividends to net income (ytd only)* | 71.3380% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7339% | 3,215 |
| Loan loss allowance to noncurrent loans | 124.0896% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 1.4272% | 3,721 |
| Noncurrent loans to loans | 1.3973% | 4,015 |
| Net loans and leases to total assets | 67.4188% | 2,213 |
| Net loans and leases to deposits | 81.6362% | 1,981 |
| Net loans and leases to core deposits | 87.4733% | 2,121 |
| Total domestic deposits to total assets | 82.5844% | 5,087 |
| Equity capital to assets | 8.7744% | 5,783 |
| Core capital (leverage) ratio | 8.5989% | 5,446 |
| Tier 1 risk-based capital ratio | 11.9236% | 6,008 |
| Total risk-based capital ratio | 13.1812% | 6,003 |
| Memoranda: | ||
| Average total assets | $643,688,500 | 1,027 |
| Average earning assets | $560,528,000 | 1,094 |
| Average equity | $56,726,500 | 1,256 |
| Average total loans | $445,790,000 | 931 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6729% | 4,365 |
| Cost of funding earning assets | 0.8232% | 4,685 |
| Net interest margin | 3.8496% | 3,572 |
| Noninterest income to average assets | 0.7869% | 2,133 |
| Noninterest expense to average assets | 2.9626% | 3,732 |
| Loan and lease loss provision to assets | 0.4965% | 2,121 |
| Net operating income to assets | 0.7416% | 3,287 |
| Return on assets (ROA) | 0.7408% | 3,461 |
| Pretax return on assets | 0.6811% | 4,402 |
| Return on Equity (ROE) | 8.6387% | 2,615 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,828 |
| Net charge-offs to loans | 0.7313% | 2,325 |
| Credit loss provision to net charge-offs | 95.0966% | 3,796 |
| Earnings coverage of net charge-offs (x) | 2.2571% | 4,095 |
| Efficiency ratio | 71.5436% | 3,676 |
| Assets per employee ($millions) | 3.2822% | 5,548 |
| Cash dividends to net income (ytd only)* | 100.0000% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6773% | 3,289 |
| Loan loss allowance to noncurrent loans | 101.9978% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 1.6548% | 3,472 |
| Noncurrent loans to loans | 1.6444% | 3,699 |
| Net loans and leases to total assets | 68.7375% | 2,263 |
| Net loans and leases to deposits | 83.9046% | 1,936 |
| Net loans and leases to core deposits | 90.0349% | 2,130 |
| Total domestic deposits to total assets | 81.9234% | 5,156 |
| Equity capital to assets | 8.8514% | 5,731 |
| Core capital (leverage) ratio | 8.3924% | 5,727 |
| Tier 1 risk-based capital ratio | 11.6637% | 6,048 |
| Total risk-based capital ratio | 12.9179% | 6,027 |
| Memoranda: | ||
| Average total assets | $644,532,200 | 1,006 |
| Average earning assets | $561,559,600 | 1,057 |
| Average equity | $55,274,600 | 1,228 |
| Average total loans | $460,124,800 | 908 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7347% | 4,301 |
| Cost of funding earning assets | 0.8842% | 4,514 |
| Net interest margin | 3.8505% | 3,611 |
| Noninterest income to average assets | 0.8314% | 1,921 |
| Noninterest expense to average assets | 2.9551% | 3,727 |
| Loan and lease loss provision to assets | 0.4467% | 2,237 |
| Net operating income to assets | 0.8182% | 3,069 |
| Return on assets (ROA) | 0.8171% | 3,239 |
| Pretax return on assets | 0.7614% | 4,272 |
| Return on Equity (ROE) | 9.6047% | 2,344 |
| Retained earnings to average equity (ytd only) | 0.8059% | 5,691 |
| Net charge-offs to loans | 0.7215% | 2,111 |
| Credit loss provision to net charge-offs | 86.2784% | 3,910 |
| Earnings coverage of net charge-offs (x) | 2.3355% | 3,955 |
| Efficiency ratio | 70.9645% | 3,744 |
| Assets per employee ($millions) | 3.4189% | 5,205 |
| Cash dividends to net income (ytd only)* | 91.6097% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6002% | 3,667 |
| Loan loss allowance to noncurrent loans | 79.6391% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 2.2973% | 2,787 |
| Noncurrent loans to loans | 2.0093% | 3,353 |
| Net loans and leases to total assets | 68.6270% | 2,346 |
| Net loans and leases to deposits | 83.2944% | 2,131 |
| Net loans and leases to core deposits | 91.4402% | 2,059 |
| Total domestic deposits to total assets | 82.3909% | 4,931 |
| Equity capital to assets | 8.6422% | 6,152 |
| Core capital (leverage) ratio | 8.3155% | 5,955 |
| Tier 1 risk-based capital ratio | 11.4764% | 6,253 |
| Total risk-based capital ratio | 12.7321% | 6,242 |
| Memoranda: | ||
| Average total assets | $645,657,500 | 1,007 |
| Average earning assets | $558,835,000 | 1,069 |
| Average equity | $54,930,250 | 1,234 |
| Average total loans | $463,294,500 | 916 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8389% | 3,914 |
| Cost of funding earning assets | 0.9332% | 4,435 |
| Net interest margin | 3.9057% | 3,280 |
| Noninterest income to average assets | 0.7890% | 2,075 |
| Noninterest expense to average assets | 2.9667% | 3,769 |
| Loan and lease loss provision to assets | 0.4352% | 2,254 |
| Net operating income to assets | 0.8164% | 3,004 |
| Return on assets (ROA) | 0.8118% | 3,143 |
| Pretax return on assets | 0.7277% | 4,283 |
| Return on Equity (ROE) | 9.5932% | 2,273 |
| Retained earnings to average equity (ytd only) | 0.4822% | 5,656 |
| Net charge-offs to loans | 0.9327% | 1,668 |
| Credit loss provision to net charge-offs | 64.4076% | 4,226 |
| Earnings coverage of net charge-offs (x) | 1.7280% | 4,006 |
| Efficiency ratio | 71.7601% | 3,787 |
| Assets per employee ($millions) | 3.3976% | 5,207 |
| Cash dividends to net income (ytd only)* | 94.9731% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5078% | 4,099 |
| Loan loss allowance to noncurrent loans | 99.3376% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 2.0883% | 3,132 |
| Noncurrent loans to loans | 1.5179% | 4,149 |
| Net loans and leases to total assets | 69.7974% | 2,263 |
| Net loans and leases to deposits | 84.4043% | 2,046 |
| Net loans and leases to core deposits | 92.2453% | 2,097 |
| Total domestic deposits to total assets | 82.6941% | 4,906 |
| Equity capital to assets | 8.5524% | 6,124 |
| Core capital (leverage) ratio | 8.2794% | 5,905 |
| Tier 1 risk-based capital ratio | 11.3924% | 6,257 |
| Total risk-based capital ratio | 12.6462% | 6,240 |
| Memoranda: | ||
| Average total assets | $642,065,670 | 1,022 |
| Average earning assets | $549,913,670 | 1,102 |
| Average equity | $54,330,330 | 1,239 |
| Average total loans | $465,120,670 | 929 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7899% | 4,103 |
| Cost of funding earning assets | 0.9518% | 4,549 |
| Net interest margin | 3.8382% | 3,429 |
| Noninterest income to average assets | 1.0963% | 1,088 |
| Noninterest expense to average assets | 2.9266% | 3,962 |
| Loan and lease loss provision to assets | 0.5429% | 1,598 |
| Net operating income to assets | 0.9395% | 2,401 |
| Return on assets (ROA) | 0.9395% | 2,464 |
| Pretax return on assets | 0.9395% | 3,366 |
| Return on Equity (ROE) | 11.1634% | 1,687 |
| Retained earnings to average equity (ytd only) | 2.2564% | 4,798 |
| Net charge-offs to loans | 0.9485% | 1,412 |
| Credit loss provision to net charge-offs | 78.1475% | 3,194 |
| Earnings coverage of net charge-offs (x) | 2.1340% | 3,236 |
| Efficiency ratio | 66.3786% | 4,973 |
| Assets per employee ($millions) | 3.4448% | 5,134 |
| Cash dividends to net income (ytd only)* | 79.7872% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5935% | 3,757 |
| Loan loss allowance to noncurrent loans | 93.9532% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 2.3654% | 2,881 |
| Noncurrent loans to loans | 1.6961% | 3,946 |
| Net loans and leases to total assets | 70.8194% | 1,966 |
| Net loans and leases to deposits | 85.1445% | 1,857 |
| Net loans and leases to core deposits | 95.2231% | 1,743 |
| Total domestic deposits to total assets | 83.1756% | 4,865 |
| Equity capital to assets | 8.3622% | 6,093 |
| Core capital (leverage) ratio | 8.4188% | 5,594 |
| Tier 1 risk-based capital ratio | 11.2231% | 6,331 |
| Total risk-based capital ratio | 12.4773% | 6,297 |
| Memoranda: | ||
| Average total assets | $640,323,500 | 1,036 |
| Average earning assets | $552,660,000 | 1,102 |
| Average equity | $53,890,500 | 1,241 |
| Average total loans | $468,943,500 | 932 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2764% | 3,234 |
| Cost of funding earning assets | 1.1940% | 4,599 |
| Net interest margin | 4.0824% | 2,649 |
| Noninterest income to average assets | 1.1269% | 1,163 |
| Noninterest expense to average assets | 3.2956% | 2,752 |
| Loan and lease loss provision to assets | 0.7971% | 2,044 |
| Net operating income to assets | 0.5115% | 4,047 |
| Return on assets (ROA) | 0.9001% | 2,518 |
| Pretax return on assets | 0.9535% | 3,092 |
| Return on Equity (ROE) | 10.4881% | 1,767 |
| Retained earnings to average equity (ytd only) | 2.9294% | 3,809 |
| Net charge-offs to loans | 0.9861% | 2,214 |
| Credit loss provision to net charge-offs | 110.0493% | 4,004 |
| Earnings coverage of net charge-offs (x) | 1.8462% | 4,344 |
| Efficiency ratio | 71.1366% | 3,964 |
| Assets per employee ($millions) | 3.2970% | 5,434 |
| Cash dividends to net income (ytd only)* | 72.0690% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6256% | 3,486 |
| Loan loss allowance to noncurrent loans | 142.7508% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 1.9979% | 3,349 |
| Noncurrent loans to loans | 1.1388% | 4,835 |
| Net loans and leases to total assets | 73.3222% | 1,804 |
| Net loans and leases to deposits | 89.0020% | 1,647 |
| Net loans and leases to core deposits | 99.7726% | 1,640 |
| Total domestic deposits to total assets | 82.3826% | 5,067 |
| Equity capital to assets | 8.4713% | 5,893 |
| Core capital (leverage) ratio | 8.1711% | 5,872 |
| Tier 1 risk-based capital ratio | 11.0238% | 6,305 |
| Total risk-based capital ratio | 12.2779% | 6,276 |
| Memoranda: | ||
| Average total assets | $644,343,400 | 1,038 |
| Average earning assets | $553,353,200 | 1,096 |
| Average equity | $55,300,600 | 1,207 |
| Average total loans | $473,255,200 | 951 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3373% | 3,176 |
| Cost of funding earning assets | 1.2150% | 4,770 |
| Net interest margin | 4.1223% | 2,523 |
| Noninterest income to average assets | 1.1619% | 1,033 |
| Noninterest expense to average assets | 2.9974% | 3,756 |
| Loan and lease loss provision to assets | 0.9005% | 1,687 |
| Net operating income to assets | 0.7325% | 3,272 |
| Return on assets (ROA) | 0.9388% | 2,591 |
| Pretax return on assets | 0.9914% | 3,214 |
| Return on Equity (ROE) | 10.9044% | 1,817 |
| Retained earnings to average equity (ytd only) | 3.2472% | 4,155 |
| Net charge-offs to loans | 1.0588% | 1,917 |
| Credit loss provision to net charge-offs | 116.2191% | 3,588 |
| Earnings coverage of net charge-offs (x) | 2.1614% | 4,107 |
| Efficiency ratio | 64.1547% | 5,214 |
| Assets per employee ($millions) | 3.5482% | 4,859 |
| Cash dividends to net income (ytd only)* | 70.2216% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6639% | 3,279 |
| Loan loss allowance to noncurrent loans | 140.5615% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 2.2444% | 3,144 |
| Noncurrent loans to loans | 1.1838% | 4,875 |
| Net loans and leases to total assets | 68.8362% | 3,024 |
| Net loans and leases to deposits | 87.1108% | 2,137 |
| Net loans and leases to core deposits | 99.3603% | 1,907 |
| Total domestic deposits to total assets | 79.0215% | 6,012 |
| Equity capital to assets | 8.4182% | 6,372 |
| Core capital (leverage) ratio | 8.1726% | 6,081 |
| Tier 1 risk-based capital ratio | 10.8395% | 6,515 |
| Total risk-based capital ratio | 12.0925% | 6,490 |
| Memoranda: | ||
| Average total assets | $647,172,250 | 1,044 |
| Average earning assets | $551,075,750 | 1,104 |
| Average equity | $55,719,250 | 1,192 |
| Average total loans | $473,614,000 | 957 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3450% | 3,236 |
| Cost of funding earning assets | 1.2029% | 5,120 |
| Net interest margin | 4.1421% | 2,367 |
| Noninterest income to average assets | 1.1640% | 948 |
| Noninterest expense to average assets | 3.0452% | 3,535 |
| Loan and lease loss provision to assets | 0.9591% | 1,529 |
| Net operating income to assets | 0.7140% | 3,339 |
| Return on assets (ROA) | 0.9497% | 2,455 |
| Pretax return on assets | 1.0010% | 3,112 |
| Return on Equity (ROE) | 10.9455% | 1,773 |
| Retained earnings to average equity (ytd only) | 3.1041% | 4,136 |
| Net charge-offs to loans | 1.5621% | 1,216 |
| Credit loss provision to net charge-offs | 82.6415% | 4,635 |
| Earnings coverage of net charge-offs (x) | 1.4752% | 4,381 |
| Efficiency ratio | 64.0124% | 5,335 |
| Assets per employee ($millions) | 3.4113% | 5,154 |
| Cash dividends to net income (ytd only)* | 71.6403% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3910% | 4,469 |
| Loan loss allowance to noncurrent loans | 134.1174% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 2.3117% | 3,120 |
| Noncurrent loans to loans | 1.0372% | 5,235 |
| Net loans and leases to total assets | 71.7156% | 2,482 |
| Net loans and leases to deposits | 91.9566% | 1,539 |
| Net loans and leases to core deposits | 104.9710% | 1,540 |
| Total domestic deposits to total assets | 77.9885% | 6,269 |
| Equity capital to assets | 8.6392% | 5,958 |
| Core capital (leverage) ratio | 8.3248% | 5,713 |
| Tier 1 risk-based capital ratio | 10.6428% | 6,572 |
| Total risk-based capital ratio | 11.8936% | 6,568 |
| Memoranda: | ||
| Average total assets | $639,361,000 | 1,058 |
| Average earning assets | $554,645,000 | 1,100 |
| Average equity | $55,474,670 | 1,189 |
| Average total loans | $475,008,330 | 967 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3084% | 3,507 |
| Cost of funding earning assets | 1.1953% | 5,435 |
| Net interest margin | 4.1131% | 2,384 |
| Noninterest income to average assets | 1.1270% | 981 |
| Noninterest expense to average assets | 3.0647% | 3,411 |
| Loan and lease loss provision to assets | 1.0293% | 1,206 |
| Net operating income to assets | 0.6466% | 3,680 |
| Return on assets (ROA) | 0.6526% | 3,772 |
| Pretax return on assets | 0.6898% | 4,270 |
| Return on Equity (ROE) | 7.5053% | 3,114 |
| Retained earnings to average equity (ytd only) | -3.3614% | 6,410 |
| Net charge-offs to loans | 1.3707% | 1,255 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 1.6640% | 3,737 |
| Efficiency ratio | 64.1482% | 5,467 |
| Assets per employee ($millions) | 3.1999% | 5,770 |
| Cash dividends to net income (ytd only)* | 144.7876% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5193% | 3,815 |
| Loan loss allowance to noncurrent loans | 156.0347% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 2.2207% | 3,250 |
| Noncurrent loans to loans | 0.9737% | 5,385 |
| Net loans and leases to total assets | 73.6738% | 2,042 |
| Net loans and leases to deposits | 96.6168% | 1,034 |
| Net loans and leases to core deposits | 110.0632% | 1,263 |
| Total domestic deposits to total assets | 76.2536% | 6,715 |
| Equity capital to assets | 8.7120% | 5,713 |
| Core capital (leverage) ratio | 8.0602% | 6,146 |
| Tier 1 risk-based capital ratio | 10.1740% | 6,905 |
| Total risk-based capital ratio | 11.4253% | 6,892 |
| Memoranda: | ||
| Average total assets | $634,967,000 | 1,087 |
| Average earning assets | $563,560,000 | 1,109 |
| Average equity | $55,214,500 | 1,209 |
| Average total loans | $476,822,000 | 989 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4171% | 4,613 |
| Cost of funding earning assets | 1.4411% | 5,761 |
| Net interest margin | 3.9760% | 2,965 |
| Noninterest income to average assets | 1.2738% | 930 |
| Noninterest expense to average assets | 3.0451% | 3,963 |
| Loan and lease loss provision to assets | 0.6985% | 3,028 |
| Net operating income to assets | 1.0379% | 1,711 |
| Return on assets (ROA) | 1.1073% | 1,526 |
| Pretax return on assets | 1.1659% | 2,049 |
| Return on Equity (ROE) | 13.7937% | 820 |
| Retained earnings to average equity (ytd only) | 4.4084% | 2,161 |
| Net charge-offs to loans | 0.6264% | 3,332 |
| Credit loss provision to net charge-offs | 150.8727% | 3,066 |
| Earnings coverage of net charge-offs (x) | 3.8694% | 3,161 |
| Efficiency ratio | 62.9614% | 5,979 |
| Assets per employee ($millions) | 3.3144% | 5,463 |
| Cash dividends to net income (ytd only)* | 68.0405% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5013% | 3,719 |
| Loan loss allowance to noncurrent loans | 112.1651% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 1.8598% | 3,582 |
| Noncurrent loans to loans | 1.3384% | 4,687 |
| Net loans and leases to total assets | 74.2447% | 2,218 |
| Net loans and leases to deposits | 100.5001% | 862 |
| Net loans and leases to core deposits | 121.5595% | 1,831 |
| Total domestic deposits to total assets | 73.8753% | 7,035 |
| Equity capital to assets | 8.6794% | 5,619 |
| Core capital (leverage) ratio | 8.0282% | 6,121 |
| Tier 1 risk-based capital ratio | 10.2721% | 6,614 |
| Total risk-based capital ratio | 11.5242% | 6,586 |
| Memoranda: | ||
| Average total assets | $668,310,400 | 1,035 |
| Average earning assets | $598,844,200 | 1,042 |
| Average equity | $53,647,800 | 1,230 |
| Average total loans | $493,972,400 | 976 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3674% | 5,103 |
| Cost of funding earning assets | 1.5048% | 5,801 |
| Net interest margin | 3.8626% | 3,378 |
| Noninterest income to average assets | 1.1923% | 1,090 |
| Noninterest expense to average assets | 3.0047% | 4,024 |
| Loan and lease loss provision to assets | 0.5017% | 3,382 |
| Net operating income to assets | 1.0988% | 1,736 |
| Return on assets (ROA) | 1.1829% | 1,558 |
| Pretax return on assets | 1.2393% | 2,137 |
| Return on Equity (ROE) | 15.0226% | 768 |
| Retained earnings to average equity (ytd only) | 5.4206% | 2,245 |
| Net charge-offs to loans | 0.3872% | 3,718 |
| Credit loss provision to net charge-offs | 176.1246% | 2,622 |
| Earnings coverage of net charge-offs (x) | 5.8007% | 2,729 |
| Efficiency ratio | 64.5176% | 5,658 |
| Assets per employee ($millions) | 3.4090% | 5,148 |
| Cash dividends to net income (ytd only)* | 63.9167% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3539% | 4,179 |
| Loan loss allowance to noncurrent loans | 160.4341% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 1.2274% | 4,608 |
| Noncurrent loans to loans | 0.8439% | 5,606 |
| Net loans and leases to total assets | 73.7330% | 2,610 |
| Net loans and leases to deposits | 100.6185% | 1,055 |
| Net loans and leases to core deposits | 121.3878% | 2,130 |
| Total domestic deposits to total assets | 73.2797% | 7,050 |
| Equity capital to assets | 8.3151% | 6,489 |
| Core capital (leverage) ratio | 7.7856% | 6,623 |
| Tier 1 risk-based capital ratio | 10.0915% | 6,889 |
| Total risk-based capital ratio | 11.3417% | 6,834 |
| Memoranda: | ||
| Average total assets | $676,298,250 | 1,024 |
| Average earning assets | $606,655,500 | 1,041 |
| Average equity | $53,251,750 | 1,256 |
| Average total loans | $497,549,500 | 983 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3700% | 5,302 |
| Cost of funding earning assets | 1.5743% | 5,824 |
| Net interest margin | 3.7957% | 3,566 |
| Noninterest income to average assets | 1.0927% | 1,336 |
| Noninterest expense to average assets | 2.9770% | 4,171 |
| Loan and lease loss provision to assets | 0.3676% | 3,724 |
| Net operating income to assets | 1.0963% | 1,783 |
| Return on assets (ROA) | 1.1924% | 1,581 |
| Pretax return on assets | 1.2544% | 2,148 |
| Return on Equity (ROE) | 15.4249% | 763 |
| Retained earnings to average equity (ytd only) | 5.9531% | 2,044 |
| Net charge-offs to loans | 0.3684% | 3,343 |
| Credit loss provision to net charge-offs | 136.3141% | 3,428 |
| Earnings coverage of net charge-offs (x) | 5.6401% | 2,793 |
| Efficiency ratio | 66.1872% | 5,519 |
| Assets per employee ($millions) | 3.2711% | 5,396 |
| Cash dividends to net income (ytd only)* | 61.4057% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2163% | 4,830 |
| Loan loss allowance to noncurrent loans | 126.0787% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 1.1215% | 4,710 |
| Noncurrent loans to loans | 0.9647% | 5,292 |
| Net loans and leases to total assets | 72.9052% | 2,973 |
| Net loans and leases to deposits | 100.5170% | 1,233 |
| Net loans and leases to core deposits | 115.2314% | 2,786 |
| Total domestic deposits to total assets | 72.5302% | 7,178 |
| Equity capital to assets | 8.0110% | 6,734 |
| Core capital (leverage) ratio | 7.5998% | 6,904 |
| Tier 1 risk-based capital ratio | 10.0314% | 6,884 |
| Total risk-based capital ratio | 11.2074% | 6,905 |
| Memoranda: | ||
| Average total assets | $680,146,670 | 1,035 |
| Average earning assets | $610,162,000 | 1,052 |
| Average equity | $52,577,330 | 1,291 |
| Average total loans | $497,776,330 | 998 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3077% | 5,866 |
| Cost of funding earning assets | 1.6480% | 5,825 |
| Net interest margin | 3.6597% | 4,063 |
| Noninterest income to average assets | 1.2892% | 858 |
| Noninterest expense to average assets | 2.9021% | 4,150 |
| Loan and lease loss provision to assets | 0.4359% | 2,749 |
| Net operating income to assets | 1.1904% | 1,683 |
| Return on assets (ROA) | 1.1909% | 1,792 |
| Pretax return on assets | 1.2508% | 2,449 |
| Return on Equity (ROE) | 15.6807% | 870 |
| Retained earnings to average equity (ytd only) | 6.4973% | 2,417 |
| Net charge-offs to loans | 0.6052% | 1,968 |
| Credit loss provision to net charge-offs | 98.8142% | 3,827 |
| Earnings coverage of net charge-offs (x) | 3.8221% | 3,053 |
| Efficiency ratio | 63.2506% | 5,824 |
| Assets per employee ($millions) | 3.4439% | 4,962 |
| Cash dividends to net income (ytd only)* | 58.5652% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 5,303 |
| Loan loss allowance to noncurrent loans | 231.1934% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.8367% | 5,095 |
| Noncurrent loans to loans | 0.4859% | 6,216 |
| Net loans and leases to total assets | 71.7944% | 3,286 |
| Net loans and leases to deposits | 97.8689% | 1,684 |
| Net loans and leases to core deposits | 114.3750% | 2,974 |
| Total domestic deposits to total assets | 73.3578% | 6,994 |
| Equity capital to assets | 7.6978% | 7,179 |
| Core capital (leverage) ratio | 7.3240% | 7,356 |
| Tier 1 risk-based capital ratio | 9.6230% | 7,314 |
| Total risk-based capital ratio | 10.7013% | 7,417 |
| Memoranda: | ||
| Average total assets | $688,202,500 | 1,026 |
| Average earning assets | $620,384,000 | 1,034 |
| Average equity | $52,268,000 | 1,308 |
| Average total loans | $501,626,000 | 998 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1160% | 4,953 |
| Cost of funding earning assets | 2.4218% | 4,623 |
| Net interest margin | 3.6942% | 4,495 |
| Noninterest income to average assets | 1.4399% | 690 |
| Noninterest expense to average assets | 2.9109% | 4,412 |
| Loan and lease loss provision to assets | 0.7298% | 2,030 |
| Net operating income to assets | 1.0592% | 2,312 |
| Return on assets (ROA) | 1.0661% | 2,185 |
| Pretax return on assets | 1.1225% | 2,944 |
| Return on Equity (ROE) | 14.1736% | 1,071 |
| Retained earnings to average equity (ytd only) | 1.2063% | 4,505 |
| Net charge-offs to loans | 0.8371% | 1,500 |
| Credit loss provision to net charge-offs | 119.0429% | 4,525 |
| Earnings coverage of net charge-offs (x) | 3.0096% | 4,581 |
| Efficiency ratio | 61.2063% | 6,124 |
| Assets per employee ($millions) | 3.4905% | 4,694 |
| Cash dividends to net income (ytd only)* | 91.4894% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 5,145 |
| Loan loss allowance to noncurrent loans | 111.6025% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 1.0635% | 4,163 |
| Noncurrent loans to loans | 1.0021% | 4,588 |
| Net loans and leases to total assets | 72.3507% | 3,510 |
| Net loans and leases to deposits | 99.4515% | 1,912 |
| Net loans and leases to core deposits | 112.3539% | 3,527 |
| Total domestic deposits to total assets | 72.7497% | 6,876 |
| Equity capital to assets | 7.4917% | 7,385 |
| Core capital (leverage) ratio | 7.2259% | 7,497 |
| Tier 1 risk-based capital ratio | 9.4121% | 7,402 |
| Total risk-based capital ratio | 10.4868% | 7,527 |
| Memoranda: | ||
| Average total assets | $661,300,600 | 1,012 |
| Average earning assets | $593,602,400 | 1,035 |
| Average equity | $49,740,400 | 1,364 |
| Average total loans | $484,268,600 | 989 |