Home > Bank & Trust Company > Performance and Condition Ratios
Bank & Trust Company, 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 | 4.3415% | 3,372 |
| Cost of funding earning assets | 1.1206% | 3,011 |
| Net interest margin | 3.2208% | 2,831 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.2078% | 3,101 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.9542% | 2,351 |
| Return on assets (ROA) | 0.9563% | 2,339 |
| Pretax return on assets | 1.2833% | 1,915 |
| Return on Equity (ROE) | 11.0300% | 2,219 |
| Retained earnings to average equity (ytd only) | 5.7128% | 2,352 |
| Net charge-offs to loans | 0.0128% | 2,173 |
| Credit loss provision to net charge-offs | 631.5789% | 571 |
| Earnings coverage of net charge-offs (x) | 159.8684% | 681 |
| Efficiency ratio | 62.3466% | 2,799 |
| Assets per employee ($millions) | 5.7542% | 3,019 |
| Cash dividends to net income (ytd only)* | 48.1983% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8033% | 534 |
| Loan loss allowance to noncurrent loans | 1,491.0526% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.0805% | 3,004 |
| Noncurrent loans to loans | 0.1209% | 2,917 |
| Net loans and leases to total assets | 65.3900% | 2,322 |
| Net loans and leases to deposits | 76.6286% | 2,389 |
| Net loans and leases to core deposits | 87.9792% | 2,181 |
| Total domestic deposits to total assets | 85.3300% | 2,202 |
| Equity capital to assets | 8.9236% | 2,727 |
| Core capital (leverage) ratio | 10.4782% | 2,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0130% | 1,273 |
| Memoranda: | ||
| Average total assets | $455,616,400 | 1,835 |
| Average earning assets | $436,097,000 | 1,788 |
| Average equity | $39,508,000 | 1,904 |
| Average total loans | $296,559,400 | 1,802 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2409% | 3,395 |
| Cost of funding earning assets | 0.9498% | 3,154 |
| Net interest margin | 3.2912% | 2,705 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.3388% | 2,681 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.9264% | 2,596 |
| Return on assets (ROA) | 0.9292% | 2,568 |
| Pretax return on assets | 1.2558% | 2,160 |
| Return on Equity (ROE) | 10.8000% | 2,425 |
| Retained earnings to average equity (ytd only) | 9.4254% | 1,569 |
| Net charge-offs to loans | -0.0027% | 3,628 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.1792% | 2,476 |
| Assets per employee ($millions) | 5.7924% | 2,938 |
| Cash dividends to net income (ytd only)* | 12.7105% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8575% | 515 |
| Loan loss allowance to noncurrent loans | 1,799.3631% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0686% | 3,152 |
| Noncurrent loans to loans | 0.1032% | 3,058 |
| Net loans and leases to total assets | 65.2400% | 2,318 |
| Net loans and leases to deposits | 77.9631% | 2,245 |
| Net loans and leases to core deposits | 87.4980% | 2,089 |
| Total domestic deposits to total assets | 83.6700% | 2,866 |
| Equity capital to assets | 8.5404% | 2,703 |
| Core capital (leverage) ratio | 10.7519% | 2,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5664% | 1,185 |
| Memoranda: | ||
| Average total assets | $451,560,250 | 1,845 |
| Average earning assets | $431,810,750 | 1,794 |
| Average equity | $38,858,750 | 1,907 |
| Average total loans | $292,148,750 | 1,820 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1121% | 3,468 |
| Cost of funding earning assets | 0.7984% | 3,206 |
| Net interest margin | 3.3137% | 2,717 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.3793% | 2,559 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.9078% | 2,731 |
| Return on assets (ROA) | 0.9120% | 2,698 |
| Pretax return on assets | 1.2324% | 2,279 |
| Return on Equity (ROE) | 10.5700% | 2,538 |
| Retained earnings to average equity (ytd only) | 9.5399% | 1,526 |
| Net charge-offs to loans | 0.0042% | 2,154 |
| Credit loss provision to net charge-offs | 2,000.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 479.6667% | 308 |
| Efficiency ratio | 65.0134% | 2,376 |
| Assets per employee ($millions) | 5.5537% | 3,100 |
| Cash dividends to net income (ytd only)* | 9.7561% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8767% | 518 |
| Loan loss allowance to noncurrent loans | 1,220.5689% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 2,832 |
| Noncurrent loans to loans | 0.1538% | 2,702 |
| Net loans and leases to total assets | 64.0400% | 2,379 |
| Net loans and leases to deposits | 75.6423% | 2,347 |
| Net loans and leases to core deposits | 84.4242% | 2,188 |
| Total domestic deposits to total assets | 84.6600% | 2,635 |
| Equity capital to assets | 8.7386% | 2,699 |
| Core capital (leverage) ratio | 10.6224% | 2,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5371% | 1,208 |
| Memoranda: | ||
| Average total assets | $449,546,667 | 1,855 |
| Average earning assets | $429,850,667 | 1,808 |
| Average equity | $38,784,667 | 1,915 |
| Average total loans | $288,142,667 | 1,830 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9606% | 3,527 |
| Cost of funding earning assets | 0.6371% | 3,271 |
| Net interest margin | 3.3235% | 2,822 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.3600% | 2,637 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.9189% | 2,793 |
| Return on assets (ROA) | 0.9189% | 2,749 |
| Pretax return on assets | 1.2422% | 2,327 |
| Return on Equity (ROE) | 10.7200% | 2,572 |
| Retained earnings to average equity (ytd only) | 8.6314% | 2,045 |
| Net charge-offs to loans | 0.0014% | 1,996 |
| Credit loss provision to net charge-offs | 6,000.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 1,447.0000% | 63 |
| Efficiency ratio | 64.5517% | 2,378 |
| Assets per employee ($millions) | 5.4504% | 3,269 |
| Cash dividends to net income (ytd only)* | 19.4932% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9353% | 496 |
| Loan loss allowance to noncurrent loans | 942.4915% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 2,600 |
| Noncurrent loans to loans | 0.2053% | 2,447 |
| Net loans and leases to total assets | 62.6200% | 2,393 |
| Net loans and leases to deposits | 73.0388% | 2,382 |
| Net loans and leases to core deposits | 79.6839% | 2,276 |
| Total domestic deposits to total assets | 85.7300% | 2,671 |
| Equity capital to assets | 8.7765% | 2,679 |
| Core capital (leverage) ratio | 10.6233% | 2,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7289% | 1,433 |
| Memoranda: | ||
| Average total assets | $446,616,500 | 1,888 |
| Average earning assets | $426,297,500 | 1,842 |
| Average equity | $38,279,000 | 1,952 |
| Average total loans | $283,599,500 | 1,866 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5059% | 3,061 |
| Cost of funding earning assets | 0.4478% | 1,735 |
| Net interest margin | 3.0581% | 3,293 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.2232% | 2,964 |
| Loan and lease loss provision to assets | -0.0300% | 4,361 |
| Net operating income to assets | 1.0076% | 2,540 |
| Return on assets (ROA) | 0.9854% | 2,573 |
| Pretax return on assets | 1.3097% | 2,059 |
| Return on Equity (ROE) | 11.3900% | 2,350 |
| Retained earnings to average equity (ytd only) | 11.3859% | 811 |
| Net charge-offs to loans | -0.2407% | 4,646 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.9572% | 2,635 |
| Assets per employee ($millions) | 5.3771% | 3,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8760% | 560 |
| Loan loss allowance to noncurrent loans | 2,308.7336% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 3,178 |
| Noncurrent loans to loans | 0.0813% | 3,176 |
| Net loans and leases to total assets | 61.9600% | 2,445 |
| Net loans and leases to deposits | 71.7695% | 2,426 |
| Net loans and leases to core deposits | 76.9294% | 2,356 |
| Total domestic deposits to total assets | 86.3300% | 2,633 |
| Equity capital to assets | 8.3650% | 2,801 |
| Core capital (leverage) ratio | 10.4778% | 2,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8233% | 1,156 |
| Memoranda: | ||
| Average total assets | $439,735,400 | 1,889 |
| Average earning assets | $421,144,600 | 1,843 |
| Average equity | $38,056,000 | 1,995 |
| Average total loans | $269,996,000 | 1,855 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3857% | 2,952 |
| Cost of funding earning assets | 0.4034% | 1,268 |
| Net interest margin | 2.9823% | 3,266 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.2162% | 2,886 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.8944% | 2,885 |
| Return on assets (ROA) | 0.8966% | 2,857 |
| Pretax return on assets | 1.1955% | 2,387 |
| Return on Equity (ROE) | 10.2700% | 2,641 |
| Retained earnings to average equity (ytd only) | 10.2726% | 1,263 |
| Net charge-offs to loans | -0.0449% | 4,283 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.4818% | 2,625 |
| Assets per employee ($millions) | 5.4223% | 3,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8412% | 677 |
| Loan loss allowance to noncurrent loans | 337.1466% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 1,537 |
| Noncurrent loans to loans | 0.5461% | 1,450 |
| Net loans and leases to total assets | 61.4900% | 2,349 |
| Net loans and leases to deposits | 72.0951% | 2,194 |
| Net loans and leases to core deposits | 76.8577% | 2,122 |
| Total domestic deposits to total assets | 85.2900% | 3,218 |
| Equity capital to assets | 7.8270% | 3,003 |
| Core capital (leverage) ratio | 10.1383% | 2,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4602% | 1,295 |
| Memoranda: | ||
| Average total assets | $438,094,500 | 1,903 |
| Average earning assets | $420,421,750 | 1,856 |
| Average equity | $38,236,750 | 2,016 |
| Average total loans | $267,039,500 | 1,869 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2791% | 2,802 |
| Cost of funding earning assets | 0.3683% | 1,122 |
| Net interest margin | 2.9108% | 3,137 |
| Noninterest income to average assets | 0.6442% | 1,570 |
| Noninterest expense to average assets | 2.2325% | 2,756 |
| Loan and lease loss provision to assets | 0.0826% | 1,192 |
| Net operating income to assets | 0.8464% | 2,794 |
| Return on assets (ROA) | 0.8497% | 2,758 |
| Pretax return on assets | 1.1328% | 2,295 |
| Return on Equity (ROE) | 9.4053% | 2,562 |
| Retained earnings to average equity (ytd only) | 9.4053% | 1,175 |
| Net charge-offs to loans | -0.0874% | 4,406 |
| Credit loss provision to net charge-offs | -156.5217% | 3,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8281% | 2,661 |
| Assets per employee ($millions) | 5.3480% | 3,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8871% | 680 |
| Loan loss allowance to noncurrent loans | 358.5694% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.3220% | 1,718 |
| Noncurrent loans to loans | 0.5263% | 1,571 |
| Net loans and leases to total assets | 60.0233% | 2,323 |
| Net loans and leases to deposits | 71.3800% | 2,077 |
| Net loans and leases to core deposits | 72.4308% | 2,293 |
| Total domestic deposits to total assets | 84.0897% | 3,673 |
| Equity capital to assets | 8.4115% | 2,829 |
| Core capital (leverage) ratio | 9.9329% | 2,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6028% | 1,281 |
| Memoranda: | ||
| Average total assets | $435,917,333 | 1,914 |
| Average earning assets | $419,264,333 | 1,882 |
| Average equity | $39,382,000 | 2,026 |
| Average total loans | $263,214,667 | 1,883 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2034% | 2,681 |
| Cost of funding earning assets | 0.3626% | 1,114 |
| Net interest margin | 2.8408% | 3,010 |
| Noninterest income to average assets | 0.5918% | 1,725 |
| Noninterest expense to average assets | 2.2862% | 2,551 |
| Loan and lease loss provision to assets | 0.0828% | 990 |
| Net operating income to assets | 0.7159% | 3,000 |
| Return on assets (ROA) | 0.7225% | 2,963 |
| Pretax return on assets | 0.9636% | 2,564 |
| Return on Equity (ROE) | 7.7285% | 2,787 |
| Retained earnings to average equity (ytd only) | 7.7285% | 1,662 |
| Net charge-offs to loans | -0.2302% | 4,627 |
| Credit loss provision to net charge-offs | -60.0000% | 2,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7708% | 2,399 |
| Assets per employee ($millions) | 5.2353% | 3,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9282% | 702 |
| Loan loss allowance to noncurrent loans | 332.1618% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.3429% | 1,737 |
| Noncurrent loans to loans | 0.5805% | 1,596 |
| Net loans and leases to total assets | 57.9332% | 2,306 |
| Net loans and leases to deposits | 68.3506% | 2,115 |
| Net loans and leases to core deposits | 69.2146% | 2,357 |
| Total domestic deposits to total assets | 84.7589% | 3,597 |
| Equity capital to assets | 8.7604% | 2,920 |
| Core capital (leverage) ratio | 9.8167% | 2,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7747% | 1,317 |
| Memoranda: | ||
| Average total assets | $434,606,000 | 1,929 |
| Average earning assets | $418,057,500 | 1,894 |
| Average equity | $40,629,000 | 2,027 |
| Average total loans | $260,677,500 | 1,885 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3877% | 2,963 |
| Cost of funding earning assets | 0.5440% | 737 |
| Net interest margin | 2.8437% | 3,578 |
| Noninterest income to average assets | 0.7096% | 1,732 |
| Noninterest expense to average assets | 2.1951% | 3,104 |
| Loan and lease loss provision to assets | 0.0848% | 1,450 |
| Net operating income to assets | 0.8946% | 3,063 |
| Return on assets (ROA) | 0.8946% | 3,121 |
| Pretax return on assets | 1.1738% | 2,752 |
| Return on Equity (ROE) | 9.1274% | 2,866 |
| Retained earnings to average equity (ytd only) | 9.1274% | 1,163 |
| Net charge-offs to loans | 0.1066% | 825 |
| Credit loss provision to net charge-offs | 130.9091% | 1,572 |
| Earnings coverage of net charge-offs (x) | 19.4255% | 1,878 |
| Efficiency ratio | 63.5582% | 2,633 |
| Assets per employee ($millions) | 5.1125% | 3,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8228% | 827 |
| Loan loss allowance to noncurrent loans | 304.8593% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.3642% | 1,769 |
| Noncurrent loans to loans | 0.5979% | 1,640 |
| Net loans and leases to total assets | 59.7997% | 2,180 |
| Net loans and leases to deposits | 70.9393% | 2,026 |
| Net loans and leases to core deposits | 71.8621% | 2,272 |
| Total domestic deposits to total assets | 84.2970% | 3,476 |
| Equity capital to assets | 9.9507% | 2,697 |
| Core capital (leverage) ratio | 9.8405% | 2,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5264% | 1,378 |
| Memoranda: | ||
| Average total assets | $424,450,400 | 1,915 |
| Average earning assets | $409,567,000 | 1,869 |
| Average equity | $41,600,000 | 2,024 |
| Average total loans | $257,872,800 | 1,889 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4246% | 3,030 |
| Cost of funding earning assets | 0.5960% | 652 |
| Net interest margin | 2.8286% | 3,710 |
| Noninterest income to average assets | 0.7271% | 1,741 |
| Noninterest expense to average assets | 2.1833% | 3,126 |
| Loan and lease loss provision to assets | 0.0851% | 1,408 |
| Net operating income to assets | 0.8443% | 3,405 |
| Return on assets (ROA) | 0.8443% | 3,465 |
| Pretax return on assets | 1.1893% | 2,966 |
| Return on Equity (ROE) | 8.6484% | 3,215 |
| Retained earnings to average equity (ytd only) | 8.6484% | 1,820 |
| Net charge-offs to loans | 0.0597% | 1,043 |
| Credit loss provision to net charge-offs | 234.7826% | 1,132 |
| Earnings coverage of net charge-offs (x) | 35.1739% | 1,446 |
| Efficiency ratio | 63.1435% | 2,515 |
| Assets per employee ($millions) | 5.0494% | 3,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8564% | 829 |
| Loan loss allowance to noncurrent loans | 182.1536% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.6415% | 1,185 |
| Noncurrent loans to loans | 1.0191% | 1,124 |
| Net loans and leases to total assets | 61.7743% | 2,032 |
| Net loans and leases to deposits | 73.7825% | 1,881 |
| Net loans and leases to core deposits | 75.4657% | 2,103 |
| Total domestic deposits to total assets | 83.7248% | 3,531 |
| Equity capital to assets | 10.2175% | 2,694 |
| Core capital (leverage) ratio | 9.7873% | 2,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5083% | 1,481 |
| Memoranda: | ||
| Average total assets | $423,201,250 | 1,937 |
| Average earning assets | $408,524,000 | 1,892 |
| Average equity | $41,316,750 | 2,063 |
| Average total loans | $256,947,000 | 1,924 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4972% | 2,901 |
| Cost of funding earning assets | 0.6535% | 559 |
| Net interest margin | 2.8437% | 3,692 |
| Noninterest income to average assets | 0.7019% | 1,800 |
| Noninterest expense to average assets | 2.1710% | 3,184 |
| Loan and lease loss provision to assets | 0.0845% | 1,451 |
| Net operating income to assets | 0.8469% | 3,375 |
| Return on assets (ROA) | 0.8469% | 3,452 |
| Pretax return on assets | 1.1927% | 2,933 |
| Return on Equity (ROE) | 8.8077% | 3,166 |
| Retained earnings to average equity (ytd only) | 8.8077% | 1,774 |
| Net charge-offs to loans | 0.0798% | 872 |
| Credit loss provision to net charge-offs | 176.4706% | 1,101 |
| Earnings coverage of net charge-offs (x) | 26.6863% | 1,380 |
| Efficiency ratio | 62.9609% | 2,582 |
| Assets per employee ($millions) | 5.0507% | 3,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9393% | 686 |
| Loan loss allowance to noncurrent loans | 178.6492% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.6655% | 1,250 |
| Noncurrent loans to loans | 1.0856% | 1,114 |
| Net loans and leases to total assets | 57.4269% | 2,732 |
| Net loans and leases to deposits | 68.2656% | 2,592 |
| Net loans and leases to core deposits | 70.2891% | 2,755 |
| Total domestic deposits to total assets | 84.1228% | 3,391 |
| Equity capital to assets | 9.9508% | 2,890 |
| Core capital (leverage) ratio | 9.3960% | 3,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7520% | 1,402 |
| Memoranda: | ||
| Average total assets | $426,250,333 | 1,921 |
| Average earning assets | $411,646,000 | 1,875 |
| Average equity | $40,987,000 | 2,065 |
| Average total loans | $255,723,667 | 1,935 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5779% | 2,712 |
| Cost of funding earning assets | 0.7073% | 531 |
| Net interest margin | 2.8706% | 3,593 |
| Noninterest income to average assets | 0.7139% | 1,830 |
| Noninterest expense to average assets | 2.1639% | 3,224 |
| Loan and lease loss provision to assets | 0.0838% | 1,557 |
| Net operating income to assets | 0.8823% | 3,172 |
| Return on assets (ROA) | 0.8823% | 3,253 |
| Pretax return on assets | 1.2425% | 2,729 |
| Return on Equity (ROE) | 9.3345% | 2,912 |
| Retained earnings to average equity (ytd only) | 9.3345% | 1,851 |
| Net charge-offs to loans | -0.0215% | 4,027 |
| Credit loss provision to net charge-offs | -642.8571% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0000% | 2,760 |
| Assets per employee ($millions) | 5.5258% | 3,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8659% | 777 |
| Loan loss allowance to noncurrent loans | 164.3323% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.6872% | 1,366 |
| Noncurrent loans to loans | 1.1355% | 1,182 |
| Net loans and leases to total assets | 56.9520% | 2,915 |
| Net loans and leases to deposits | 67.2172% | 2,782 |
| Net loans and leases to core deposits | 71.6750% | 2,726 |
| Total domestic deposits to total assets | 84.7283% | 3,213 |
| Equity capital to assets | 9.2404% | 3,456 |
| Core capital (leverage) ratio | 9.1892% | 3,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4280% | 1,764 |
| Memoranda: | ||
| Average total assets | $429,773,500 | 1,899 |
| Average earning assets | $415,658,000 | 1,850 |
| Average equity | $40,623,500 | 2,061 |
| Average total loans | $260,837,000 | 1,917 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0533% | 2,572 |
| Cost of funding earning assets | 0.9384% | 744 |
| Net interest margin | 3.1149% | 3,594 |
| Noninterest income to average assets | 0.8244% | 1,467 |
| Noninterest expense to average assets | 2.3579% | 3,248 |
| Loan and lease loss provision to assets | 0.5598% | 389 |
| Net operating income to assets | 0.6517% | 3,589 |
| Return on assets (ROA) | 0.6521% | 3,715 |
| Pretax return on assets | 0.9094% | 3,338 |
| Return on Equity (ROE) | 6.3981% | 3,449 |
| Retained earnings to average equity (ytd only) | 5.3720% | 2,109 |
| Net charge-offs to loans | 0.4811% | 339 |
| Credit loss provision to net charge-offs | 172.2446% | 2,307 |
| Earnings coverage of net charge-offs (x) | 4.5189% | 2,970 |
| Efficiency ratio | 61.6194% | 3,206 |
| Assets per employee ($millions) | 5.0300% | 3,361 |
| Cash dividends to net income (ytd only)* | 16.0385% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7663% | 916 |
| Loan loss allowance to noncurrent loans | 197.0130% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.5694% | 1,849 |
| Noncurrent loans to loans | 0.8966% | 1,571 |
| Net loans and leases to total assets | 62.3833% | 2,556 |
| Net loans and leases to deposits | 73.5338% | 2,531 |
| Net loans and leases to core deposits | 79.1129% | 2,443 |
| Total domestic deposits to total assets | 84.8362% | 2,825 |
| Equity capital to assets | 9.6767% | 3,435 |
| Core capital (leverage) ratio | 9.3612% | 3,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9326% | 1,879 |
| Memoranda: | ||
| Average total assets | $382,460,800 | 1,918 |
| Average earning assets | $368,615,800 | 1,874 |
| Average equity | $38,980,200 | 2,055 |
| Average total loans | $258,344,600 | 1,876 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2501% | 2,249 |
| Cost of funding earning assets | 0.9813% | 810 |
| Net interest margin | 3.2688% | 3,284 |
| Noninterest income to average assets | 0.7938% | 1,520 |
| Noninterest expense to average assets | 2.4272% | 3,060 |
| Loan and lease loss provision to assets | 0.6248% | 391 |
| Net operating income to assets | 0.6566% | 3,603 |
| Return on assets (ROA) | 0.6572% | 3,704 |
| Pretax return on assets | 0.8898% | 3,403 |
| Return on Equity (ROE) | 6.3583% | 3,420 |
| Retained earnings to average equity (ytd only) | 4.9776% | 2,568 |
| Net charge-offs to loans | 0.0514% | 1,871 |
| Credit loss provision to net charge-offs | 1,768.6869% | 535 |
| Earnings coverage of net charge-offs (x) | 42.8586% | 1,309 |
| Efficiency ratio | 61.5879% | 3,140 |
| Assets per employee ($millions) | 4.6722% | 3,633 |
| Cash dividends to net income (ytd only)* | 21.7155% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0301% | 467 |
| Loan loss allowance to noncurrent loans | 157.5485% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.8690% | 1,333 |
| Noncurrent loans to loans | 1.2886% | 1,150 |
| Net loans and leases to total assets | 66.0676% | 2,511 |
| Net loans and leases to deposits | 78.6012% | 2,467 |
| Net loans and leases to core deposits | 84.8101% | 2,399 |
| Total domestic deposits to total assets | 84.0542% | 2,802 |
| Equity capital to assets | 10.0321% | 3,200 |
| Core capital (leverage) ratio | 9.4974% | 3,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7880% | 1,896 |
| Memoranda: | ||
| Average total assets | $373,704,250 | 1,928 |
| Average earning assets | $359,795,500 | 1,888 |
| Average equity | $38,625,500 | 2,062 |
| Average total loans | $256,649,500 | 1,882 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2192% | 2,695 |
| Cost of funding earning assets | 1.0311% | 893 |
| Net interest margin | 3.1881% | 3,704 |
| Noninterest income to average assets | 0.6898% | 1,779 |
| Noninterest expense to average assets | 2.4953% | 2,971 |
| Loan and lease loss provision to assets | 0.0984% | 3,047 |
| Net operating income to assets | 0.8571% | 2,846 |
| Return on assets (ROA) | 0.8571% | 2,963 |
| Pretax return on assets | 1.1604% | 2,499 |
| Return on Equity (ROE) | 8.2051% | 2,660 |
| Retained earnings to average equity (ytd only) | 6.1119% | 2,024 |
| Net charge-offs to loans | 0.0324% | 2,081 |
| Credit loss provision to net charge-offs | 439.0244% | 1,326 |
| Earnings coverage of net charge-offs (x) | 56.1707% | 1,017 |
| Efficiency ratio | 66.4677% | 2,446 |
| Assets per employee ($millions) | 4.7498% | 3,473 |
| Cash dividends to net income (ytd only)* | 25.5102% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 1,267 |
| Loan loss allowance to noncurrent loans | 322.1675% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.3090% | 3,075 |
| Noncurrent loans to loans | 0.4655% | 2,743 |
| Net loans and leases to total assets | 65.3696% | 2,712 |
| Net loans and leases to deposits | 77.9711% | 2,657 |
| Net loans and leases to core deposits | 85.1934% | 2,508 |
| Total domestic deposits to total assets | 83.8381% | 2,802 |
| Equity capital to assets | 10.0105% | 3,195 |
| Core capital (leverage) ratio | 9.6360% | 3,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1252% | 1,753 |
| Memoranda: | ||
| Average total assets | $365,894,333 | 1,935 |
| Average earning assets | $351,680,000 | 1,892 |
| Average equity | $38,220,333 | 2,070 |
| Average total loans | $252,928,000 | 1,883 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5324% | 2,218 |
| Cost of funding earning assets | 1.0981% | 1,049 |
| Net interest margin | 3.4343% | 3,200 |
| Noninterest income to average assets | 0.6801% | 1,728 |
| Noninterest expense to average assets | 2.6100% | 2,954 |
| Loan and lease loss provision to assets | 0.1024% | 2,404 |
| Net operating income to assets | 0.9291% | 2,421 |
| Return on assets (ROA) | 0.9291% | 2,533 |
| Pretax return on assets | 1.2578% | 2,009 |
| Return on Equity (ROE) | 8.6920% | 2,243 |
| Retained earnings to average equity (ytd only) | 5.5003% | 2,066 |
| Net charge-offs to loans | 0.0338% | 1,724 |
| Credit loss provision to net charge-offs | 428.5714% | 958 |
| Earnings coverage of net charge-offs (x) | 56.9524% | 826 |
| Efficiency ratio | 65.7405% | 3,002 |
| Assets per employee ($millions) | 4.1013% | 3,783 |
| Cash dividends to net income (ytd only)* | 36.7197% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5697% | 1,147 |
| Loan loss allowance to noncurrent loans | 409.2357% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.2640% | 3,404 |
| Noncurrent loans to loans | 0.3836% | 3,115 |
| Net loans and leases to total assets | 67.7486% | 2,579 |
| Net loans and leases to deposits | 80.4489% | 2,634 |
| Net loans and leases to core deposits | 85.1199% | 2,748 |
| Total domestic deposits to total assets | 84.2131% | 2,706 |
| Equity capital to assets | 10.7232% | 3,112 |
| Core capital (leverage) ratio | 10.4109% | 3,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4267% | 1,777 |
| Memoranda: | ||
| Average total assets | $351,723,000 | 1,953 |
| Average earning assets | $336,954,500 | 1,907 |
| Average equity | $37,598,000 | 2,086 |
| Average total loans | $248,574,500 | 1,871 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6091% | 2,575 |
| Cost of funding earning assets | 1.0639% | 1,454 |
| Net interest margin | 3.5452% | 3,302 |
| Noninterest income to average assets | 0.7274% | 1,714 |
| Noninterest expense to average assets | 2.6186% | 3,124 |
| Loan and lease loss provision to assets | 0.1379% | 1,548 |
| Net operating income to assets | 1.0097% | 2,816 |
| Return on assets (ROA) | 1.0092% | 2,902 |
| Pretax return on assets | 1.3663% | 2,281 |
| Return on Equity (ROE) | 9.5632% | 2,493 |
| Retained earnings to average equity (ytd only) | 7.1483% | 1,330 |
| Net charge-offs to loans | 0.1271% | 1,500 |
| Credit loss provision to net charge-offs | 151.3158% | 1,685 |
| Earnings coverage of net charge-offs (x) | 16.5099% | 2,165 |
| Efficiency ratio | 63.5061% | 3,145 |
| Assets per employee ($millions) | 3.9390% | 3,987 |
| Cash dividends to net income (ytd only)* | 25.2525% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5046% | 1,219 |
| Loan loss allowance to noncurrent loans | 519.2044% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 3,624 |
| Noncurrent loans to loans | 0.2898% | 3,395 |
| Net loans and leases to total assets | 71.4800% | 2,173 |
| Net loans and leases to deposits | 84.3732% | 2,297 |
| Net loans and leases to core deposits | 89.2007% | 2,494 |
| Total domestic deposits to total assets | 84.7189% | 2,600 |
| Equity capital to assets | 10.6551% | 3,304 |
| Core capital (leverage) ratio | 10.5620% | 2,892 |
| Tier 1 risk-based capital ratio | 14.0209% | 3,264 |
| Total risk-based capital ratio | 15.2735% | 3,172 |
| Memoranda: | ||
| Average total assets | $333,535,600 | 1,966 |
| Average earning assets | $319,498,000 | 1,924 |
| Average equity | $35,197,400 | 2,124 |
| Average total loans | $239,157,000 | 1,895 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6037% | 2,710 |
| Cost of funding earning assets | 1.0436% | 1,566 |
| Net interest margin | 3.5601% | 3,373 |
| Noninterest income to average assets | 0.6968% | 1,801 |
| Noninterest expense to average assets | 2.6407% | 3,039 |
| Loan and lease loss provision to assets | 0.1090% | 1,785 |
| Net operating income to assets | 1.0220% | 2,902 |
| Return on assets (ROA) | 1.0214% | 2,978 |
| Pretax return on assets | 1.3617% | 2,453 |
| Return on Equity (ROE) | 9.7035% | 2,568 |
| Retained earnings to average equity (ytd only) | 7.0187% | 1,855 |
| Net charge-offs to loans | 0.0503% | 2,112 |
| Credit loss provision to net charge-offs | 303.3708% | 944 |
| Earnings coverage of net charge-offs (x) | 40.9563% | 1,357 |
| Efficiency ratio | 64.2156% | 2,971 |
| Assets per employee ($millions) | 3.9228% | 3,998 |
| Cash dividends to net income (ytd only)* | 27.6680% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5652% | 1,076 |
| Loan loss allowance to noncurrent loans | 541.1932% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.2063% | 3,746 |
| Noncurrent loans to loans | 0.2892% | 3,499 |
| Net loans and leases to total assets | 70.2086% | 2,436 |
| Net loans and leases to deposits | 83.1891% | 2,543 |
| Net loans and leases to core deposits | 87.7606% | 2,757 |
| Total domestic deposits to total assets | 84.3964% | 2,678 |
| Equity capital to assets | 10.6061% | 3,462 |
| Core capital (leverage) ratio | 10.5337% | 3,081 |
| Tier 1 risk-based capital ratio | 14.2702% | 3,189 |
| Total risk-based capital ratio | 15.5235% | 3,087 |
| Memoranda: | ||
| Average total assets | $330,261,750 | 1,991 |
| Average earning assets | $316,835,750 | 1,943 |
| Average equity | $34,763,250 | 2,160 |
| Average total loans | $236,057,000 | 1,925 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5856% | 2,721 |
| Cost of funding earning assets | 1.0204% | 1,597 |
| Net interest margin | 3.5651% | 3,380 |
| Noninterest income to average assets | 0.6718% | 1,826 |
| Noninterest expense to average assets | 2.6817% | 2,969 |
| Loan and lease loss provision to assets | 0.1102% | 1,698 |
| Net operating income to assets | 0.9741% | 3,009 |
| Return on assets (ROA) | 0.9731% | 3,086 |
| Pretax return on assets | 1.2977% | 2,565 |
| Return on Equity (ROE) | 9.2693% | 2,746 |
| Retained earnings to average equity (ytd only) | 7.8109% | 1,465 |
| Net charge-offs to loans | 0.0933% | 1,426 |
| Credit loss provision to net charge-offs | 165.1376% | 1,395 |
| Earnings coverage of net charge-offs (x) | 21.1101% | 1,741 |
| Efficiency ratio | 65.5539% | 2,880 |
| Assets per employee ($millions) | 3.6773% | 4,274 |
| Cash dividends to net income (ytd only)* | 15.7332% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5829% | 1,064 |
| Loan loss allowance to noncurrent loans | 738.5230% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.1531% | 3,997 |
| Noncurrent loans to loans | 0.2143% | 3,775 |
| Net loans and leases to total assets | 70.2917% | 2,489 |
| Net loans and leases to deposits | 83.0002% | 2,610 |
| Net loans and leases to core deposits | 87.7692% | 2,821 |
| Total domestic deposits to total assets | 84.6886% | 2,603 |
| Equity capital to assets | 10.8547% | 3,221 |
| Core capital (leverage) ratio | 10.6095% | 2,971 |
| Tier 1 risk-based capital ratio | 14.6829% | 2,975 |
| Total risk-based capital ratio | 15.9363% | 2,901 |
| Memoranda: | ||
| Average total assets | $326,587,000 | 2,015 |
| Average earning assets | $313,199,000 | 1,968 |
| Average equity | $34,285,330 | 2,178 |
| Average total loans | $233,602,000 | 1,954 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5146% | 2,813 |
| Cost of funding earning assets | 0.9765% | 1,670 |
| Net interest margin | 3.5381% | 3,470 |
| Noninterest income to average assets | 0.6314% | 1,902 |
| Noninterest expense to average assets | 2.7195% | 2,847 |
| Loan and lease loss provision to assets | 0.1103% | 1,613 |
| Net operating income to assets | 0.8963% | 3,246 |
| Return on assets (ROA) | 0.8963% | 3,301 |
| Pretax return on assets | 1.1954% | 2,824 |
| Return on Equity (ROE) | 8.6854% | 2,956 |
| Retained earnings to average equity (ytd only) | 5.7150% | 2,586 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5602% | 2,701 |
| Assets per employee ($millions) | 3.7270% | 4,309 |
| Cash dividends to net income (ytd only)* | 34.1997% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5970% | 1,067 |
| Loan loss allowance to noncurrent loans | 742.3154% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.1510% | 4,052 |
| Noncurrent loans to loans | 0.2151% | 3,818 |
| Net loans and leases to total assets | 69.0846% | 2,612 |
| Net loans and leases to deposits | 80.9385% | 2,737 |
| Net loans and leases to core deposits | 85.5179% | 2,912 |
| Total domestic deposits to total assets | 85.3545% | 2,542 |
| Equity capital to assets | 10.3142% | 3,513 |
| Core capital (leverage) ratio | 10.5423% | 3,003 |
| Tier 1 risk-based capital ratio | 14.0576% | 3,312 |
| Total risk-based capital ratio | 15.3109% | 3,229 |
| Memoranda: | ||
| Average total assets | $326,241,000 | 2,034 |
| Average earning assets | $312,940,000 | 1,985 |
| Average equity | $33,665,500 | 2,209 |
| Average total loans | $233,528,000 | 1,967 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2848% | 3,168 |
| Cost of funding earning assets | 0.7660% | 1,709 |
| Net interest margin | 3.5187% | 3,639 |
| Noninterest income to average assets | 0.7319% | 1,724 |
| Noninterest expense to average assets | 2.8346% | 2,566 |
| Loan and lease loss provision to assets | 0.0391% | 3,417 |
| Net operating income to assets | 0.9135% | 3,392 |
| Return on assets (ROA) | 0.9202% | 3,354 |
| Pretax return on assets | 1.2239% | 2,799 |
| Return on Equity (ROE) | 8.8453% | 3,070 |
| Retained earnings to average equity (ytd only) | 6.4178% | 1,968 |
| Net charge-offs to loans | 0.1497% | 1,283 |
| Credit loss provision to net charge-offs | 37.3832% | 3,301 |
| Earnings coverage of net charge-offs (x) | 11.9938% | 2,581 |
| Efficiency ratio | 69.3203% | 2,323 |
| Assets per employee ($millions) | 3.6043% | 4,444 |
| Cash dividends to net income (ytd only)* | 27.4433% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5496% | 1,150 |
| Loan loss allowance to noncurrent loans | 667.0956% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.1696% | 3,970 |
| Noncurrent loans to loans | 0.2323% | 3,751 |
| Net loans and leases to total assets | 71.8726% | 2,279 |
| Net loans and leases to deposits | 84.5385% | 2,453 |
| Net loans and leases to core deposits | 90.4673% | 2,532 |
| Total domestic deposits to total assets | 85.0176% | 2,644 |
| Equity capital to assets | 10.3244% | 3,352 |
| Core capital (leverage) ratio | 10.8193% | 2,714 |
| Tier 1 risk-based capital ratio | 14.1330% | 3,228 |
| Total risk-based capital ratio | 15.3862% | 3,163 |
| Memoranda: | ||
| Average total assets | $306,887,600 | 2,109 |
| Average earning assets | $292,805,600 | 2,058 |
| Average equity | $31,926,600 | 2,221 |
| Average total loans | $214,478,400 | 2,072 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2232% | 3,233 |
| Cost of funding earning assets | 0.7261% | 1,713 |
| Net interest margin | 3.4970% | 3,708 |
| Noninterest income to average assets | 0.7167% | 1,802 |
| Noninterest expense to average assets | 2.8757% | 2,380 |
| Loan and lease loss provision to assets | 0.0395% | 3,212 |
| Net operating income to assets | 0.8505% | 3,743 |
| Return on assets (ROA) | 0.8595% | 3,702 |
| Pretax return on assets | 1.1460% | 3,211 |
| Return on Equity (ROE) | 8.2455% | 3,445 |
| Retained earnings to average equity (ytd only) | 5.6319% | 2,865 |
| Net charge-offs to loans | 0.0592% | 1,976 |
| Credit loss provision to net charge-offs | 96.7742% | 2,338 |
| Earnings coverage of net charge-offs (x) | 28.7305% | 1,653 |
| Efficiency ratio | 71.0069% | 2,039 |
| Assets per employee ($millions) | 3.4841% | 4,581 |
| Cash dividends to net income (ytd only)* | 31.6976% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7592% | 781 |
| Loan loss allowance to noncurrent loans | 333.9442% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 3,144 |
| Noncurrent loans to loans | 0.5268% | 2,798 |
| Net loans and leases to total assets | 69.7053% | 2,693 |
| Net loans and leases to deposits | 81.7378% | 2,851 |
| Net loans and leases to core deposits | 87.1296% | 2,907 |
| Total domestic deposits to total assets | 85.2791% | 2,497 |
| Equity capital to assets | 10.4123% | 3,224 |
| Core capital (leverage) ratio | 10.8551% | 2,726 |
| Tier 1 risk-based capital ratio | 14.6176% | 3,058 |
| Total risk-based capital ratio | 15.8731% | 2,981 |
| Memoranda: | ||
| Average total assets | $303,413,750 | 2,139 |
| Average earning assets | $289,192,000 | 2,093 |
| Average equity | $31,628,500 | 2,243 |
| Average total loans | $209,552,000 | 2,100 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1555% | 3,260 |
| Cost of funding earning assets | 0.6955% | 1,646 |
| Net interest margin | 3.4600% | 3,767 |
| Noninterest income to average assets | 0.7131% | 1,823 |
| Noninterest expense to average assets | 2.9112% | 2,324 |
| Loan and lease loss provision to assets | 0.0397% | 3,112 |
| Net operating income to assets | 0.7948% | 3,872 |
| Return on assets (ROA) | 0.7938% | 3,877 |
| Pretax return on assets | 1.0584% | 3,482 |
| Return on Equity (ROE) | 7.6118% | 3,671 |
| Retained earnings to average equity (ytd only) | 5.2648% | 2,949 |
| Net charge-offs to loans | 0.0522% | 1,856 |
| Credit loss provision to net charge-offs | 111.1111% | 1,880 |
| Earnings coverage of net charge-offs (x) | 30.7778% | 1,479 |
| Efficiency ratio | 72.5878% | 1,903 |
| Assets per employee ($millions) | 3.4736% | 4,632 |
| Cash dividends to net income (ytd only)* | 30.8333% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8319% | 710 |
| Loan loss allowance to noncurrent loans | 551.1494% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.2401% | 3,811 |
| Noncurrent loans to loans | 0.3324% | 3,505 |
| Net loans and leases to total assets | 67.2484% | 2,985 |
| Net loans and leases to deposits | 78.5760% | 3,101 |
| Net loans and leases to core deposits | 81.9435% | 3,245 |
| Total domestic deposits to total assets | 85.5840% | 2,463 |
| Equity capital to assets | 10.3761% | 3,245 |
| Core capital (leverage) ratio | 10.6097% | 2,915 |
| Tier 1 risk-based capital ratio | 14.2205% | 3,253 |
| Total risk-based capital ratio | 15.4754% | 3,170 |
| Memoranda: | ||
| Average total assets | $302,352,330 | 2,155 |
| Average earning assets | $288,151,000 | 2,109 |
| Average equity | $31,530,000 | 2,255 |
| Average total loans | $206,888,670 | 2,131 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0524% | 3,403 |
| Cost of funding earning assets | 0.6656% | 1,625 |
| Net interest margin | 3.3868% | 3,926 |
| Noninterest income to average assets | 0.7223% | 1,733 |
| Noninterest expense to average assets | 2.9825% | 2,107 |
| Loan and lease loss provision to assets | 0.0399% | 2,957 |
| Net operating income to assets | 0.6917% | 4,133 |
| Return on assets (ROA) | 0.6917% | 4,140 |
| Pretax return on assets | 0.9219% | 3,779 |
| Return on Equity (ROE) | 6.6165% | 3,941 |
| Retained earnings to average equity (ytd only) | 5.3441% | 3,017 |
| Net charge-offs to loans | 0.0370% | 1,782 |
| Credit loss provision to net charge-offs | 157.8947% | 1,200 |
| Earnings coverage of net charge-offs (x) | 38.0526% | 1,092 |
| Efficiency ratio | 75.6155% | 1,649 |
| Assets per employee ($millions) | 3.4541% | 4,720 |
| Cash dividends to net income (ytd only)* | 19.2308% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8902% | 669 |
| Loan loss allowance to noncurrent loans | 574.1405% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.2300% | 3,950 |
| Noncurrent loans to loans | 0.3292% | 3,588 |
| Net loans and leases to total assets | 64.8535% | 3,192 |
| Net loans and leases to deposits | 75.9217% | 3,219 |
| Net loans and leases to core deposits | 78.2824% | 3,471 |
| Total domestic deposits to total assets | 85.4216% | 2,786 |
| Equity capital to assets | 10.2133% | 3,374 |
| Core capital (leverage) ratio | 10.7860% | 2,643 |
| Tier 1 risk-based capital ratio | 15.1447% | 2,810 |
| Total risk-based capital ratio | 16.4014% | 2,743 |
| Memoranda: | ||
| Average total assets | $300,691,500 | 2,188 |
| Average earning assets | $286,052,000 | 2,146 |
| Average equity | $31,436,500 | 2,273 |
| Average total loans | $205,634,500 | 2,155 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1008% | 3,053 |
| Cost of funding earning assets | 0.6200% | 1,471 |
| Net interest margin | 3.4808% | 3,589 |
| Noninterest income to average assets | 0.7442% | 1,791 |
| Noninterest expense to average assets | 2.9445% | 2,301 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7007% | 3,602 |
| Return on assets (ROA) | 0.7011% | 3,655 |
| Pretax return on assets | 1.1171% | 3,113 |
| Return on Equity (ROE) | 6.6368% | 3,457 |
| Retained earnings to average equity (ytd only) | 4.2931% | 2,584 |
| Net charge-offs to loans | 0.1233% | 1,817 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 12.9209% | 2,437 |
| Efficiency ratio | 72.5086% | 2,143 |
| Assets per employee ($millions) | 3.2663% | 4,977 |
| Cash dividends to net income (ytd only)* | 35.3142% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8408% | 722 |
| Loan loss allowance to noncurrent loans | 541.7256% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2405% | 3,935 |
| Noncurrent loans to loans | 0.3398% | 3,544 |
| Net loans and leases to total assets | 69.4731% | 2,604 |
| Net loans and leases to deposits | 83.0619% | 2,599 |
| Net loans and leases to core deposits | 85.8510% | 2,915 |
| Total domestic deposits to total assets | 83.6402% | 3,336 |
| Equity capital to assets | 10.7072% | 2,938 |
| Core capital (leverage) ratio | 10.8472% | 2,474 |
| Tier 1 risk-based capital ratio | 14.9390% | 2,874 |
| Total risk-based capital ratio | 16.1955% | 2,806 |
| Memoranda: | ||
| Average total assets | $292,812,600 | 2,206 |
| Average earning assets | $279,017,000 | 2,161 |
| Average equity | $30,933,400 | 2,294 |
| Average total loans | $205,242,600 | 2,117 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0693% | 3,096 |
| Cost of funding earning assets | 0.6124% | 1,444 |
| Net interest margin | 3.4569% | 3,648 |
| Noninterest income to average assets | 0.7466% | 1,801 |
| Noninterest expense to average assets | 2.9617% | 2,211 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7109% | 3,918 |
| Return on assets (ROA) | 0.7115% | 3,981 |
| Pretax return on assets | 1.0843% | 3,364 |
| Return on Equity (ROE) | 6.7579% | 3,783 |
| Retained earnings to average equity (ytd only) | 3.9439% | 3,573 |
| Net charge-offs to loans | 0.1493% | 1,347 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 10.3798% | 2,599 |
| Efficiency ratio | 73.2169% | 2,008 |
| Assets per employee ($millions) | 3.2438% | 5,020 |
| Cash dividends to net income (ytd only)* | 41.6402% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8577% | 769 |
| Loan loss allowance to noncurrent loans | 511.1406% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 4,028 |
| Noncurrent loans to loans | 0.3634% | 3,650 |
| Net loans and leases to total assets | 69.7414% | 2,600 |
| Net loans and leases to deposits | 83.6091% | 2,602 |
| Net loans and leases to core deposits | 86.0960% | 2,954 |
| Total domestic deposits to total assets | 83.4135% | 3,320 |
| Equity capital to assets | 10.7877% | 3,080 |
| Core capital (leverage) ratio | 10.5582% | 2,924 |
| Tier 1 risk-based capital ratio | 14.2617% | 3,319 |
| Total risk-based capital ratio | 15.5180% | 3,219 |
| Memoranda: | ||
| Average total assets | $292,523,250 | 2,223 |
| Average earning assets | $279,126,250 | 2,174 |
| Average equity | $30,797,750 | 2,318 |
| Average total loans | $204,538,250 | 2,132 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0045% | 3,190 |
| Cost of funding earning assets | 0.5909% | 1,505 |
| Net interest margin | 3.4136% | 3,725 |
| Noninterest income to average assets | 0.7215% | 1,900 |
| Noninterest expense to average assets | 2.9646% | 2,214 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6701% | 3,979 |
| Return on assets (ROA) | 0.6710% | 4,035 |
| Pretax return on assets | 1.0146% | 3,504 |
| Return on Equity (ROE) | 6.4255% | 3,861 |
| Retained earnings to average equity (ytd only) | 4.4625% | 3,055 |
| Net charge-offs to loans | 0.0285% | 2,643 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 51.1379% | 1,059 |
| Efficiency ratio | 74.5277% | 1,919 |
| Assets per employee ($millions) | 3.2323% | 5,056 |
| Cash dividends to net income (ytd only)* | 30.5499% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9327% | 677 |
| Loan loss allowance to noncurrent loans | 518.5422% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.2630% | 4,074 |
| Noncurrent loans to loans | 0.3727% | 3,690 |
| Net loans and leases to total assets | 69.1927% | 2,635 |
| Net loans and leases to deposits | 84.1361% | 2,455 |
| Net loans and leases to core deposits | 86.4040% | 2,839 |
| Total domestic deposits to total assets | 82.2390% | 3,820 |
| Equity capital to assets | 10.5138% | 3,323 |
| Core capital (leverage) ratio | 10.4544% | 2,970 |
| Tier 1 risk-based capital ratio | 14.1452% | 3,347 |
| Total risk-based capital ratio | 15.4022% | 3,257 |
| Memoranda: | ||
| Average total assets | $292,716,670 | 2,238 |
| Average earning assets | $279,237,330 | 2,179 |
| Average equity | $30,565,670 | 2,335 |
| Average total loans | $203,564,670 | 2,138 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9297% | 3,285 |
| Cost of funding earning assets | 0.5744% | 1,546 |
| Net interest margin | 3.3553% | 3,822 |
| Noninterest income to average assets | 0.6929% | 2,004 |
| Noninterest expense to average assets | 2.9877% | 2,193 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6038% | 4,145 |
| Return on assets (ROA) | 0.6020% | 4,210 |
| Pretax return on assets | 0.8967% | 3,788 |
| Return on Equity (ROE) | 5.7850% | 4,005 |
| Retained earnings to average equity (ytd only) | 3.1374% | 3,846 |
| Net charge-offs to loans | 0.0239% | 2,281 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 54.4167% | 852 |
| Efficiency ratio | 76.8604% | 1,775 |
| Assets per employee ($millions) | 3.3093% | 5,033 |
| Cash dividends to net income (ytd only)* | 45.7666% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9958% | 676 |
| Loan loss allowance to noncurrent loans | 492.8571% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 3,520 |
| Noncurrent loans to loans | 0.4049% | 3,641 |
| Net loans and leases to total assets | 67.8738% | 2,701 |
| Net loans and leases to deposits | 80.4004% | 2,698 |
| Net loans and leases to core deposits | 82.8973% | 3,002 |
| Total domestic deposits to total assets | 84.4197% | 3,323 |
| Equity capital to assets | 10.3522% | 3,348 |
| Core capital (leverage) ratio | 10.6368% | 2,756 |
| Tier 1 risk-based capital ratio | 14.4207% | 3,245 |
| Total risk-based capital ratio | 15.6789% | 3,166 |
| Memoranda: | ||
| Average total assets | $290,389,500 | 2,256 |
| Average earning assets | $276,460,000 | 2,208 |
| Average equity | $30,216,000 | 2,361 |
| Average total loans | $200,440,000 | 2,178 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0260% | 3,111 |
| Cost of funding earning assets | 0.5875% | 1,436 |
| Net interest margin | 3.4385% | 3,671 |
| Noninterest income to average assets | 0.7587% | 1,923 |
| Noninterest expense to average assets | 2.9265% | 2,580 |
| Loan and lease loss provision to assets | 0.0035% | 4,284 |
| Net operating income to assets | 0.7408% | 3,586 |
| Return on assets (ROA) | 0.7583% | 3,610 |
| Pretax return on assets | 1.1297% | 2,969 |
| Return on Equity (ROE) | 7.1673% | 3,381 |
| Retained earnings to average equity (ytd only) | 4.7526% | 2,506 |
| Net charge-offs to loans | 0.0525% | 2,989 |
| Credit loss provision to net charge-offs | 9.5238% | 3,741 |
| Earnings coverage of net charge-offs (x) | 29.9238% | 1,435 |
| Efficiency ratio | 72.5518% | 2,496 |
| Assets per employee ($millions) | 3.2529% | 5,094 |
| Cash dividends to net income (ytd only)* | 33.6896% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0736% | 571 |
| Loan loss allowance to noncurrent loans | 428.8866% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.4709% | 3,374 |
| Noncurrent loans to loans | 0.4835% | 3,422 |
| Net loans and leases to total assets | 67.3600% | 2,878 |
| Net loans and leases to deposits | 79.5308% | 2,940 |
| Net loans and leases to core deposits | 81.9872% | 3,210 |
| Total domestic deposits to total assets | 84.6968% | 3,173 |
| Equity capital to assets | 10.4600% | 3,200 |
| Core capital (leverage) ratio | 10.5029% | 2,879 |
| Tier 1 risk-based capital ratio | 14.6230% | 3,136 |
| Total risk-based capital ratio | 15.8817% | 3,072 |
| Memoranda: | ||
| Average total assets | $283,787,600 | 2,258 |
| Average earning assets | $270,292,200 | 2,207 |
| Average equity | $30,025,400 | 2,346 |
| Average total loans | $200,148,600 | 2,123 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0379% | 3,081 |
| Cost of funding earning assets | 0.5845% | 1,459 |
| Net interest margin | 3.4534% | 3,658 |
| Noninterest income to average assets | 0.7209% | 2,078 |
| Noninterest expense to average assets | 2.9456% | 2,480 |
| Loan and lease loss provision to assets | 0.0047% | 4,136 |
| Net operating income to assets | 0.6921% | 3,891 |
| Return on assets (ROA) | 0.7147% | 3,908 |
| Pretax return on assets | 1.0961% | 3,244 |
| Return on Equity (ROE) | 6.7361% | 3,703 |
| Retained earnings to average equity (ytd only) | 4.2955% | 3,266 |
| Net charge-offs to loans | 0.0139% | 3,463 |
| Credit loss provision to net charge-offs | 47.6190% | 3,062 |
| Earnings coverage of net charge-offs (x) | 107.8068% | 626 |
| Efficiency ratio | 73.4272% | 2,376 |
| Assets per employee ($millions) | 3.2722% | 5,079 |
| Cash dividends to net income (ytd only)* | 36.2321% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0739% | 630 |
| Loan loss allowance to noncurrent loans | 445.1923% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.4679% | 3,559 |
| Noncurrent loans to loans | 0.4659% | 3,618 |
| Net loans and leases to total assets | 69.1129% | 2,623 |
| Net loans and leases to deposits | 81.4221% | 2,808 |
| Net loans and leases to core deposits | 84.4779% | 3,081 |
| Total domestic deposits to total assets | 84.8822% | 2,859 |
| Equity capital to assets | 10.7505% | 3,312 |
| Core capital (leverage) ratio | 10.5564% | 2,929 |
| Tier 1 risk-based capital ratio | 14.2869% | 3,405 |
| Total risk-based capital ratio | 15.5457% | 3,330 |
| Memoranda: | ||
| Average total assets | $283,171,250 | 2,272 |
| Average earning assets | $269,833,500 | 2,220 |
| Average equity | $30,046,250 | 2,365 |
| Average total loans | $200,960,000 | 2,119 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0471% | 3,075 |
| Cost of funding earning assets | 0.5815% | 1,463 |
| Net interest margin | 3.4657% | 3,629 |
| Noninterest income to average assets | 0.6969% | 2,155 |
| Noninterest expense to average assets | 2.9632% | 2,474 |
| Loan and lease loss provision to assets | 0.0071% | 3,926 |
| Net operating income to assets | 0.6739% | 3,939 |
| Return on assets (ROA) | 0.6863% | 4,010 |
| Pretax return on assets | 1.0479% | 3,405 |
| Return on Equity (ROE) | 6.4970% | 3,805 |
| Retained earnings to average equity (ytd only) | 5.1574% | 2,624 |
| Net charge-offs to loans | -0.0318% | 5,152 |
| Credit loss provision to net charge-offs | -31.2500% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0977% | 2,343 |
| Assets per employee ($millions) | 3.1849% | 5,227 |
| Cash dividends to net income (ytd only)* | 20.6186% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0966% | 623 |
| Loan loss allowance to noncurrent loans | 514.0073% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.4293% | 3,787 |
| Noncurrent loans to loans | 0.4079% | 3,895 |
| Net loans and leases to total assets | 69.5176% | 2,549 |
| Net loans and leases to deposits | 82.7593% | 2,622 |
| Net loans and leases to core deposits | 85.6023% | 2,938 |
| Total domestic deposits to total assets | 83.9998% | 3,270 |
| Equity capital to assets | 10.7850% | 3,302 |
| Core capital (leverage) ratio | 10.4134% | 3,063 |
| Tier 1 risk-based capital ratio | 14.3026% | 3,434 |
| Total risk-based capital ratio | 15.5621% | 3,351 |
| Memoranda: | ||
| Average total assets | $282,666,670 | 2,286 |
| Average earning assets | $269,326,000 | 2,236 |
| Average equity | $29,860,000 | 2,379 |
| Average total loans | $200,973,000 | 2,121 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0122% | 3,183 |
| Cost of funding earning assets | 0.5781% | 1,491 |
| Net interest margin | 3.4342% | 3,745 |
| Noninterest income to average assets | 0.6561% | 2,234 |
| Noninterest expense to average assets | 3.0141% | 2,349 |
| Loan and lease loss provision to assets | 0.0142% | 3,510 |
| Net operating income to assets | 0.5977% | 4,186 |
| Return on assets (ROA) | 0.6136% | 4,234 |
| Pretax return on assets | 0.9268% | 3,743 |
| Return on Equity (ROE) | 5.8703% | 4,054 |
| Retained earnings to average equity (ytd only) | 3.1588% | 3,938 |
| Net charge-offs to loans | 0.0378% | 2,233 |
| Credit loss provision to net charge-offs | 52.6316% | 2,029 |
| Earnings coverage of net charge-offs (x) | 34.0526% | 1,108 |
| Efficiency ratio | 76.6763% | 2,088 |
| Assets per employee ($millions) | 3.1852% | 5,302 |
| Cash dividends to net income (ytd only)* | 46.1894% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0824% | 711 |
| Loan loss allowance to noncurrent loans | 482.5231% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.4558% | 3,767 |
| Noncurrent loans to loans | 0.4316% | 3,893 |
| Net loans and leases to total assets | 69.1517% | 2,475 |
| Net loans and leases to deposits | 81.0850% | 2,664 |
| Net loans and leases to core deposits | 83.7238% | 2,962 |
| Total domestic deposits to total assets | 85.2829% | 3,006 |
| Equity capital to assets | 10.4738% | 3,532 |
| Core capital (leverage) ratio | 10.3213% | 3,165 |
| Tier 1 risk-based capital ratio | 14.0245% | 3,677 |
| Total risk-based capital ratio | 15.2837% | 3,599 |
| Memoranda: | ||
| Average total assets | $282,270,500 | 2,295 |
| Average earning assets | $269,178,500 | 2,249 |
| Average equity | $29,504,500 | 2,400 |
| Average total loans | $200,822,500 | 2,127 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1865% | 2,602 |
| Cost of funding earning assets | 0.5165% | 2,020 |
| Net interest margin | 3.6700% | 2,863 |
| Noninterest income to average assets | 0.7736% | 1,883 |
| Noninterest expense to average assets | 3.1455% | 2,098 |
| Loan and lease loss provision to assets | 0.0276% | 3,828 |
| Net operating income to assets | 0.7717% | 3,458 |
| Return on assets (ROA) | 0.7876% | 3,469 |
| Pretax return on assets | 1.1104% | 2,997 |
| Return on Equity (ROE) | 7.4585% | 3,267 |
| Retained earnings to average equity (ytd only) | 5.0211% | 2,400 |
| Net charge-offs to loans | -0.0116% | 5,143 |
| Credit loss provision to net charge-offs | -326.0870% | 5,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8200% | 2,610 |
| Assets per employee ($millions) | 3.1579% | 5,340 |
| Cash dividends to net income (ytd only)* | 32.6797% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0741% | 712 |
| Loan loss allowance to noncurrent loans | 750.0898% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.3505% | 4,183 |
| Noncurrent loans to loans | 0.2765% | 4,467 |
| Net loans and leases to total assets | 70.1865% | 2,334 |
| Net loans and leases to deposits | 82.2600% | 2,559 |
| Net loans and leases to core deposits | 84.9491% | 2,885 |
| Total domestic deposits to total assets | 85.3227% | 2,938 |
| Equity capital to assets | 10.4311% | 3,446 |
| Core capital (leverage) ratio | 10.3579% | 3,097 |
| Tier 1 risk-based capital ratio | 13.8618% | 3,796 |
| Total risk-based capital ratio | 15.1209% | 3,719 |
| Memoranda: | ||
| Average total assets | $271,971,800 | 2,324 |
| Average earning assets | $258,447,600 | 2,275 |
| Average equity | $28,718,800 | 2,408 |
| Average total loans | $197,696,600 | 2,094 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1987% | 2,574 |
| Cost of funding earning assets | 0.4982% | 2,228 |
| Net interest margin | 3.7005% | 2,767 |
| Noninterest income to average assets | 0.7677% | 1,942 |
| Noninterest expense to average assets | 3.1723% | 2,041 |
| Loan and lease loss provision to assets | 0.0371% | 3,470 |
| Net operating income to assets | 0.7038% | 3,886 |
| Return on assets (ROA) | 0.7237% | 3,903 |
| Pretax return on assets | 1.1029% | 3,221 |
| Return on Equity (ROE) | 6.8323% | 3,711 |
| Retained earnings to average equity (ytd only) | 4.2656% | 3,429 |
| Net charge-offs to loans | -0.0800% | 5,707 |
| Credit loss provision to net charge-offs | -63.5593% | 4,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0822% | 2,540 |
| Assets per employee ($millions) | 3.1233% | 5,398 |
| Cash dividends to net income (ytd only)* | 37.5686% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1318% | 728 |
| Loan loss allowance to noncurrent loans | 752.4648% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.4192% | 4,100 |
| Noncurrent loans to loans | 0.2833% | 4,565 |
| Net loans and leases to total assets | 72.2094% | 2,028 |
| Net loans and leases to deposits | 84.7201% | 2,314 |
| Net loans and leases to core deposits | 87.6447% | 2,692 |
| Total domestic deposits to total assets | 85.2329% | 2,916 |
| Equity capital to assets | 10.6450% | 3,419 |
| Core capital (leverage) ratio | 10.3990% | 3,165 |
| Tier 1 risk-based capital ratio | 13.8485% | 3,940 |
| Total risk-based capital ratio | 15.1087% | 3,876 |
| Memoranda: | ||
| Average total assets | $269,701,250 | 2,358 |
| Average earning assets | $256,137,000 | 2,305 |
| Average equity | $28,569,250 | 2,432 |
| Average total loans | $196,760,750 | 2,113 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1816% | 2,614 |
| Cost of funding earning assets | 0.4768% | 2,460 |
| Net interest margin | 3.7048% | 2,688 |
| Noninterest income to average assets | 0.7449% | 2,022 |
| Noninterest expense to average assets | 3.1751% | 2,049 |
| Loan and lease loss provision to assets | 0.0335% | 3,448 |
| Net operating income to assets | 0.6951% | 3,913 |
| Return on assets (ROA) | 0.6951% | 4,029 |
| Pretax return on assets | 1.0542% | 3,363 |
| Return on Equity (ROE) | 6.5728% | 3,842 |
| Retained earnings to average equity (ytd only) | 5.5183% | 2,524 |
| Net charge-offs to loans | 0.2087% | 1,214 |
| Credit loss provision to net charge-offs | 22.0588% | 3,001 |
| Earnings coverage of net charge-offs (x) | 7.1716% | 2,700 |
| Efficiency ratio | 74.4855% | 2,620 |
| Assets per employee ($millions) | 3.0542% | 5,524 |
| Cash dividends to net income (ytd only)* | 16.0428% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9574% | 1,057 |
| Loan loss allowance to noncurrent loans | 867.4779% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.3646% | 4,435 |
| Noncurrent loans to loans | 0.2256% | 4,876 |
| Net loans and leases to total assets | 72.2537% | 1,938 |
| Net loans and leases to deposits | 83.9413% | 2,318 |
| Net loans and leases to core deposits | 86.5957% | 2,697 |
| Total domestic deposits to total assets | 86.0764% | 2,660 |
| Equity capital to assets | 10.5769% | 3,363 |
| Core capital (leverage) ratio | 10.4257% | 3,055 |
| Tier 1 risk-based capital ratio | 14.0606% | 3,890 |
| Total risk-based capital ratio | 15.3190% | 3,821 |
| Memoranda: | ||
| Average total assets | $269,026,670 | 2,384 |
| Average earning assets | $255,455,330 | 2,330 |
| Average equity | $28,450,670 | 2,454 |
| Average total loans | $195,519,330 | 2,125 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1583% | 2,607 |
| Cost of funding earning assets | 0.4662% | 2,596 |
| Net interest margin | 3.6921% | 2,648 |
| Noninterest income to average assets | 0.6890% | 2,209 |
| Noninterest expense to average assets | 3.2134% | 1,953 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6531% | 4,033 |
| Return on assets (ROA) | 0.6531% | 4,152 |
| Pretax return on assets | 0.9790% | 3,569 |
| Return on Equity (ROE) | 6.1765% | 3,941 |
| Retained earnings to average equity (ytd only) | 4.0564% | 3,570 |
| Net charge-offs to loans | 0.0290% | 2,601 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 46.7857% | 882 |
| Efficiency ratio | 76.6488% | 2,407 |
| Assets per employee ($millions) | 3.0107% | 5,651 |
| Cash dividends to net income (ytd only)* | 34.3249% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1060% | 918 |
| Loan loss allowance to noncurrent loans | 501.3564% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.5150% | 3,960 |
| Noncurrent loans to loans | 0.4201% | 4,334 |
| Net loans and leases to total assets | 70.5332% | 2,065 |
| Net loans and leases to deposits | 81.7759% | 2,365 |
| Net loans and leases to core deposits | 84.1041% | 2,757 |
| Total domestic deposits to total assets | 86.2518% | 2,793 |
| Equity capital to assets | 10.6495% | 3,375 |
| Core capital (leverage) ratio | 10.4363% | 3,052 |
| Tier 1 risk-based capital ratio | 14.3876% | 3,783 |
| Total risk-based capital ratio | 15.6480% | 3,700 |
| Memoranda: | ||
| Average total assets | $267,630,000 | 2,403 |
| Average earning assets | $253,949,000 | 2,358 |
| Average equity | $28,301,000 | 2,483 |
| Average total loans | $193,118,500 | 2,147 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2912% | 2,638 |
| Cost of funding earning assets | 0.4971% | 2,703 |
| Net interest margin | 3.7941% | 2,647 |
| Noninterest income to average assets | 0.7763% | 1,968 |
| Noninterest expense to average assets | 3.2058% | 2,202 |
| Loan and lease loss provision to assets | 0.0902% | 2,664 |
| Net operating income to assets | 0.7285% | 3,747 |
| Return on assets (ROA) | 0.7300% | 3,848 |
| Pretax return on assets | 1.0574% | 3,264 |
| Return on Equity (ROE) | 7.1268% | 3,561 |
| Retained earnings to average equity (ytd only) | 4.4662% | 2,997 |
| Net charge-offs to loans | -0.1322% | 6,181 |
| Credit loss provision to net charge-offs | -99.1736% | 5,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6760% | 2,883 |
| Assets per employee ($millions) | 2.9700% | 5,742 |
| Cash dividends to net income (ytd only)* | 37.3326% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1121% | 932 |
| Loan loss allowance to noncurrent loans | 1,397.2603% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 4,799 |
| Noncurrent loans to loans | 0.1512% | 5,290 |
| Net loans and leases to total assets | 70.7408% | 2,120 |
| Net loans and leases to deposits | 83.6943% | 2,248 |
| Net loans and leases to core deposits | 85.9260% | 2,696 |
| Total domestic deposits to total assets | 84.5229% | 3,499 |
| Equity capital to assets | 10.4997% | 3,482 |
| Core capital (leverage) ratio | 10.2729% | 3,206 |
| Tier 1 risk-based capital ratio | 13.9653% | 4,117 |
| Total risk-based capital ratio | 15.1757% | 4,080 |
| Memoranda: | ||
| Average total assets | $266,020,600 | 2,375 |
| Average earning assets | $250,653,200 | 2,346 |
| Average equity | $27,249,400 | 2,466 |
| Average total loans | $183,101,400 | 2,196 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2854% | 2,692 |
| Cost of funding earning assets | 0.5090% | 2,674 |
| Net interest margin | 3.7764% | 2,709 |
| Noninterest income to average assets | 0.7517% | 2,087 |
| Noninterest expense to average assets | 3.2050% | 2,161 |
| Loan and lease loss provision to assets | 0.1204% | 2,065 |
| Net operating income to assets | 0.6664% | 4,122 |
| Return on assets (ROA) | 0.6684% | 4,207 |
| Pretax return on assets | 0.9845% | 3,651 |
| Return on Equity (ROE) | 6.5666% | 3,924 |
| Retained earnings to average equity (ytd only) | 3.8552% | 3,909 |
| Net charge-offs to loans | -0.1742% | 6,281 |
| Credit loss provision to net charge-offs | -101.6949% | 5,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4145% | 2,756 |
| Assets per employee ($millions) | 3.0143% | 5,708 |
| Cash dividends to net income (ytd only)* | 41.2915% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2059% | 936 |
| Loan loss allowance to noncurrent loans | 1,231.1178% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.5998% | 4,049 |
| Noncurrent loans to loans | 0.1792% | 5,374 |
| Net loans and leases to total assets | 68.1060% | 2,520 |
| Net loans and leases to deposits | 81.9415% | 2,431 |
| Net loans and leases to core deposits | 84.3661% | 2,840 |
| Total domestic deposits to total assets | 83.1154% | 4,095 |
| Equity capital to assets | 10.4187% | 3,658 |
| Core capital (leverage) ratio | 10.0479% | 3,605 |
| Tier 1 risk-based capital ratio | 14.1970% | 4,083 |
| Total risk-based capital ratio | 15.4067% | 4,034 |
| Memoranda: | ||
| Average total assets | $265,699,750 | 2,409 |
| Average earning assets | $250,143,000 | 2,357 |
| Average equity | $27,045,250 | 2,488 |
| Average total loans | $180,583,500 | 2,237 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2827% | 2,647 |
| Cost of funding earning assets | 0.5278% | 2,557 |
| Net interest margin | 3.7548% | 2,740 |
| Noninterest income to average assets | 0.7365% | 2,105 |
| Noninterest expense to average assets | 3.1890% | 2,225 |
| Loan and lease loss provision to assets | 0.1806% | 1,361 |
| Net operating income to assets | 0.6146% | 4,281 |
| Return on assets (ROA) | 0.6146% | 4,379 |
| Pretax return on assets | 0.8937% | 3,909 |
| Return on Equity (ROE) | 6.0860% | 4,108 |
| Retained earnings to average equity (ytd only) | 3.8513% | 3,725 |
| Net charge-offs to loans | -0.2757% | 6,411 |
| Credit loss provision to net charge-offs | -97.1660% | 5,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8015% | 2,840 |
| Assets per employee ($millions) | 3.0340% | 5,709 |
| Cash dividends to net income (ytd only)* | 36.7197% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2473% | 960 |
| Loan loss allowance to noncurrent loans | 1,634.0000% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.5959% | 4,192 |
| Noncurrent loans to loans | 0.1375% | 5,593 |
| Net loans and leases to total assets | 65.8048% | 2,781 |
| Net loans and leases to deposits | 78.3170% | 2,755 |
| Net loans and leases to core deposits | 80.6123% | 3,143 |
| Total domestic deposits to total assets | 84.0236% | 3,913 |
| Equity capital to assets | 10.1591% | 3,889 |
| Core capital (leverage) ratio | 10.0420% | 3,551 |
| Tier 1 risk-based capital ratio | 14.1061% | 4,190 |
| Total risk-based capital ratio | 15.3158% | 4,144 |
| Memoranda: | ||
| Average total assets | $265,848,330 | 2,404 |
| Average earning assets | $249,704,000 | 2,361 |
| Average equity | $26,848,330 | 2,490 |
| Average total loans | $179,201,670 | 2,243 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1882% | 2,918 |
| Cost of funding earning assets | 0.5623% | 2,322 |
| Net interest margin | 3.6259% | 3,153 |
| Noninterest income to average assets | 0.6673% | 2,362 |
| Noninterest expense to average assets | 3.1620% | 2,346 |
| Loan and lease loss provision to assets | 0.2502% | 861 |
| Net operating income to assets | 0.4762% | 4,806 |
| Return on assets (ROA) | 0.4762% | 4,884 |
| Pretax return on assets | 0.6582% | 4,636 |
| Return on Equity (ROE) | 4.7295% | 4,675 |
| Retained earnings to average equity (ytd only) | 1.7171% | 4,929 |
| Net charge-offs to loans | 0.0450% | 2,753 |
| Credit loss provision to net charge-offs | 825.0000% | 364 |
| Earnings coverage of net charge-offs (x) | 29.9500% | 1,057 |
| Efficiency ratio | 77.6826% | 2,519 |
| Assets per employee ($millions) | 2.9590% | 5,903 |
| Cash dividends to net income (ytd only)* | 63.6943% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1260% | 1,279 |
| Loan loss allowance to noncurrent loans | 263.9633% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 1.1012% | 3,054 |
| Noncurrent loans to loans | 0.8054% | 3,863 |
| Net loans and leases to total assets | 65.4324% | 2,648 |
| Net loans and leases to deposits | 75.4536% | 2,877 |
| Net loans and leases to core deposits | 77.6131% | 3,240 |
| Total domestic deposits to total assets | 86.7187% | 2,982 |
| Equity capital to assets | 10.1470% | 3,665 |
| Core capital (leverage) ratio | 10.0730% | 3,466 |
| Tier 1 risk-based capital ratio | 14.2137% | 4,188 |
| Total risk-based capital ratio | 15.4205% | 4,159 |
| Memoranda: | ||
| Average total assets | $263,761,000 | 2,431 |
| Average earning assets | $247,553,500 | 2,373 |
| Average equity | $26,556,500 | 2,504 |
| Average total loans | $177,916,000 | 2,257 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2282% | 3,234 |
| Cost of funding earning assets | 0.6247% | 2,439 |
| Net interest margin | 3.6034% | 3,453 |
| Noninterest income to average assets | 0.8144% | 2,007 |
| Noninterest expense to average assets | 2.9844% | 3,098 |
| Loan and lease loss provision to assets | 0.2602% | 1,370 |
| Net operating income to assets | 0.6776% | 3,903 |
| Return on assets (ROA) | 0.6784% | 3,991 |
| Pretax return on assets | 0.9713% | 3,469 |
| Return on Equity (ROE) | 6.8933% | 3,623 |
| Retained earnings to average equity (ytd only) | 4.0604% | 3,297 |
| Net charge-offs to loans | 0.4160% | 1,609 |
| Credit loss provision to net charge-offs | 94.3396% | 2,646 |
| Earnings coverage of net charge-offs (x) | 4.4609% | 3,561 |
| Efficiency ratio | 70.8087% | 3,699 |
| Assets per employee ($millions) | 2.9682% | 5,878 |
| Cash dividends to net income (ytd only)* | 41.0959% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0014% | 1,551 |
| Loan loss allowance to noncurrent loans | 249.3416% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 1.1072% | 3,190 |
| Noncurrent loans to loans | 0.8027% | 3,970 |
| Net loans and leases to total assets | 66.6894% | 2,578 |
| Net loans and leases to deposits | 77.9474% | 2,729 |
| Net loans and leases to core deposits | 80.4515% | 3,074 |
| Total domestic deposits to total assets | 85.5569% | 3,482 |
| Equity capital to assets | 9.9900% | 3,791 |
| Core capital (leverage) ratio | 9.8445% | 3,784 |
| Tier 1 risk-based capital ratio | 13.8959% | 4,368 |
| Total risk-based capital ratio | 15.1022% | 4,339 |
| Memoranda: | ||
| Average total assets | $269,033,600 | 2,356 |
| Average earning assets | $253,869,800 | 2,297 |
| Average equity | $26,475,000 | 2,504 |
| Average total loans | $178,382,000 | 2,214 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1769% | 3,472 |
| Cost of funding earning assets | 0.6387% | 2,466 |
| Net interest margin | 3.5382% | 3,722 |
| Noninterest income to average assets | 0.7603% | 2,318 |
| Noninterest expense to average assets | 3.0006% | 2,992 |
| Loan and lease loss provision to assets | 0.2442% | 1,470 |
| Net operating income to assets | 0.5945% | 4,376 |
| Return on assets (ROA) | 0.5945% | 4,502 |
| Pretax return on assets | 0.8580% | 4,058 |
| Return on Equity (ROE) | 6.0637% | 4,155 |
| Retained earnings to average equity (ytd only) | 3.0444% | 4,497 |
| Net charge-offs to loans | 0.1760% | 2,814 |
| Credit loss provision to net charge-offs | 210.6383% | 1,148 |
| Earnings coverage of net charge-offs (x) | 9.5062% | 2,477 |
| Efficiency ratio | 73.1361% | 3,202 |
| Assets per employee ($millions) | 3.0490% | 5,775 |
| Cash dividends to net income (ytd only)* | 49.7924% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1656% | 1,388 |
| Loan loss allowance to noncurrent loans | 102.8474% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 1.6872% | 2,440 |
| Noncurrent loans to loans | 2.1056% | 2,123 |
| Net loans and leases to total assets | 65.6829% | 2,691 |
| Net loans and leases to deposits | 77.1663% | 2,800 |
| Net loans and leases to core deposits | 79.2960% | 3,199 |
| Total domestic deposits to total assets | 85.1186% | 3,677 |
| Equity capital to assets | 9.7557% | 4,237 |
| Core capital (leverage) ratio | 9.5868% | 4,273 |
| Tier 1 risk-based capital ratio | 12.8314% | 5,238 |
| Total risk-based capital ratio | 14.0411% | 5,200 |
| Memoranda: | ||
| Average total assets | $270,248,500 | 2,358 |
| Average earning assets | $255,302,250 | 2,293 |
| Average equity | $26,496,000 | 2,530 |
| Average total loans | $178,034,000 | 2,222 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1343% | 3,611 |
| Cost of funding earning assets | 0.6621% | 2,387 |
| Net interest margin | 3.4722% | 3,912 |
| Noninterest income to average assets | 0.7767% | 2,293 |
| Noninterest expense to average assets | 3.0100% | 2,969 |
| Loan and lease loss provision to assets | 0.2436% | 1,530 |
| Net operating income to assets | 0.5633% | 4,487 |
| Return on assets (ROA) | 0.5633% | 4,655 |
| Pretax return on assets | 0.8062% | 4,292 |
| Return on Equity (ROE) | 5.7363% | 4,324 |
| Retained earnings to average equity (ytd only) | 3.8568% | 3,845 |
| Net charge-offs to loans | 0.0485% | 3,999 |
| Credit loss provision to net charge-offs | 767.4419% | 392 |
| Earnings coverage of net charge-offs (x) | 33.0698% | 1,067 |
| Efficiency ratio | 74.1408% | 3,100 |
| Assets per employee ($millions) | 2.9314% | 5,964 |
| Cash dividends to net income (ytd only)* | 32.7654% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1861% | 1,454 |
| Loan loss allowance to noncurrent loans | 66.9109% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 2.1762% | 1,983 |
| Noncurrent loans to loans | 3.2672% | 1,345 |
| Net loans and leases to total assets | 65.1534% | 2,737 |
| Net loans and leases to deposits | 75.3922% | 2,960 |
| Net loans and leases to core deposits | 77.8286% | 3,316 |
| Total domestic deposits to total assets | 86.4193% | 3,156 |
| Equity capital to assets | 9.8548% | 4,118 |
| Core capital (leverage) ratio | 9.4536% | 4,312 |
| Tier 1 risk-based capital ratio | 12.8644% | 5,249 |
| Total risk-based capital ratio | 14.0741% | 5,204 |
| Memoranda: | ||
| Average total assets | $270,893,000 | 2,363 |
| Average earning assets | $256,150,000 | 2,294 |
| Average equity | $26,602,670 | 2,527 |
| Average total loans | $177,332,670 | 2,230 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1502% | 3,511 |
| Cost of funding earning assets | 0.6985% | 2,220 |
| Net interest margin | 3.4517% | 3,898 |
| Noninterest income to average assets | 0.7573% | 2,305 |
| Noninterest expense to average assets | 3.0498% | 2,838 |
| Loan and lease loss provision to assets | 0.2431% | 1,484 |
| Net operating income to assets | 0.5112% | 4,603 |
| Return on assets (ROA) | 0.5112% | 4,751 |
| Pretax return on assets | 0.7190% | 4,493 |
| Return on Equity (ROE) | 5.2150% | 4,455 |
| Retained earnings to average equity (ytd only) | 1.4578% | 5,259 |
| Net charge-offs to loans | -0.0885% | 6,390 |
| Credit loss provision to net charge-offs | -423.0769% | 5,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0191% | 2,923 |
| Assets per employee ($millions) | 2.9241% | 6,115 |
| Cash dividends to net income (ytd only)* | 72.0461% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1844% | 1,617 |
| Loan loss allowance to noncurrent loans | 79.0664% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.7882% | 2,619 |
| Noncurrent loans to loans | 2.7627% | 1,838 |
| Net loans and leases to total assets | 63.3146% | 2,830 |
| Net loans and leases to deposits | 72.6393% | 3,101 |
| Net loans and leases to core deposits | 74.9517% | 3,473 |
| Total domestic deposits to total assets | 87.1631% | 2,857 |
| Equity capital to assets | 9.7756% | 4,459 |
| Core capital (leverage) ratio | 9.2287% | 4,516 |
| Tier 1 risk-based capital ratio | 12.8093% | 5,363 |
| Total risk-based capital ratio | 14.0184% | 5,336 |
| Memoranda: | ||
| Average total assets | $271,497,000 | 2,377 |
| Average earning assets | $255,987,000 | 2,320 |
| Average equity | $26,615,500 | 2,555 |
| Average total loans | $176,181,000 | 2,258 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5260% | 3,295 |
| Cost of funding earning assets | 0.8744% | 2,101 |
| Net interest margin | 3.6516% | 3,866 |
| Noninterest income to average assets | 0.8868% | 1,908 |
| Noninterest expense to average assets | 2.8638% | 3,794 |
| Loan and lease loss provision to assets | 0.6943% | 744 |
| Net operating income to assets | 0.5672% | 4,390 |
| Return on assets (ROA) | 0.5877% | 4,558 |
| Pretax return on assets | 0.8065% | 4,266 |
| Return on Equity (ROE) | 5.8999% | 4,227 |
| Retained earnings to average equity (ytd only) | 3.0743% | 4,065 |
| Net charge-offs to loans | 1.1508% | 894 |
| Credit loss provision to net charge-offs | 94.7261% | 3,289 |
| Earnings coverage of net charge-offs (x) | 2.0092% | 4,409 |
| Efficiency ratio | 66.0407% | 4,498 |
| Assets per employee ($millions) | 2.9145% | 6,139 |
| Cash dividends to net income (ytd only)* | 47.8927% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0642% | 1,848 |
| Loan loss allowance to noncurrent loans | 82.3343% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.6311% | 2,955 |
| Noncurrent loans to loans | 2.5071% | 2,105 |
| Net loans and leases to total assets | 63.7140% | 2,944 |
| Net loans and leases to deposits | 73.0375% | 3,246 |
| Net loans and leases to core deposits | 75.5701% | 3,595 |
| Total domestic deposits to total assets | 87.2346% | 2,685 |
| Equity capital to assets | 9.8310% | 4,408 |
| Core capital (leverage) ratio | 9.2538% | 4,495 |
| Tier 1 risk-based capital ratio | 12.7448% | 5,296 |
| Total risk-based capital ratio | 13.9524% | 5,263 |
| Memoranda: | ||
| Average total assets | $266,459,600 | 2,382 |
| Average earning assets | $251,724,600 | 2,303 |
| Average equity | $26,542,800 | 2,519 |
| Average total loans | $169,708,400 | 2,316 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5933% | 3,238 |
| Cost of funding earning assets | 0.8963% | 2,197 |
| Net interest margin | 3.6970% | 3,805 |
| Noninterest income to average assets | 0.8855% | 1,886 |
| Noninterest expense to average assets | 2.9173% | 3,528 |
| Loan and lease loss provision to assets | 0.3719% | 1,740 |
| Net operating income to assets | 0.7463% | 3,707 |
| Return on assets (ROA) | 0.7463% | 3,958 |
| Pretax return on assets | 1.0976% | 3,361 |
| Return on Equity (ROE) | 7.4668% | 3,552 |
| Retained earnings to average equity (ytd only) | 5.2041% | 3,219 |
| Net charge-offs to loans | 0.7577% | 1,458 |
| Credit loss provision to net charge-offs | 77.4869% | 3,693 |
| Earnings coverage of net charge-offs (x) | 3.0618% | 3,805 |
| Efficiency ratio | 66.5025% | 4,358 |
| Assets per employee ($millions) | 3.0009% | 6,053 |
| Cash dividends to net income (ytd only)* | 30.3033% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0436% | 2,051 |
| Loan loss allowance to noncurrent loans | 68.9063% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 1.9083% | 2,773 |
| Noncurrent loans to loans | 2.9657% | 1,887 |
| Net loans and leases to total assets | 62.6147% | 3,277 |
| Net loans and leases to deposits | 72.1119% | 3,598 |
| Net loans and leases to core deposits | 74.9270% | 3,857 |
| Total domestic deposits to total assets | 86.8299% | 2,782 |
| Equity capital to assets | 10.0958% | 4,360 |
| Core capital (leverage) ratio | 9.3945% | 4,438 |
| Tier 1 risk-based capital ratio | 13.1476% | 5,130 |
| Total risk-based capital ratio | 14.3539% | 5,127 |
| Memoranda: | ||
| Average total assets | $265,311,500 | 2,415 |
| Average earning assets | $251,257,250 | 2,340 |
| Average equity | $26,516,750 | 2,541 |
| Average total loans | $168,051,000 | 2,359 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6608% | 3,092 |
| Cost of funding earning assets | 0.9176% | 2,272 |
| Net interest margin | 3.7432% | 3,624 |
| Noninterest income to average assets | 0.8615% | 1,924 |
| Noninterest expense to average assets | 2.9038% | 3,603 |
| Loan and lease loss provision to assets | 0.4778% | 1,326 |
| Net operating income to assets | 0.6097% | 4,331 |
| Return on assets (ROA) | 0.6097% | 4,582 |
| Pretax return on assets | 1.0253% | 3,613 |
| Return on Equity (ROE) | 6.1218% | 4,264 |
| Retained earnings to average equity (ytd only) | 4.5990% | 3,549 |
| Net charge-offs to loans | 0.0721% | 4,425 |
| Credit loss provision to net charge-offs | 1,050.0000% | 312 |
| Earnings coverage of net charge-offs (x) | 33.0333% | 1,008 |
| Efficiency ratio | 65.8923% | 4,551 |
| Assets per employee ($millions) | 2.8946% | 6,247 |
| Cash dividends to net income (ytd only)* | 24.8756% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5489% | 1,217 |
| Loan loss allowance to noncurrent loans | 76.6211% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 2.1265% | 2,632 |
| Noncurrent loans to loans | 3.3266% | 1,750 |
| Net loans and leases to total assets | 61.9224% | 3,459 |
| Net loans and leases to deposits | 70.9934% | 3,769 |
| Net loans and leases to core deposits | 73.9336% | 4,045 |
| Total domestic deposits to total assets | 87.2227% | 2,637 |
| Equity capital to assets | 9.9849% | 4,360 |
| Core capital (leverage) ratio | 9.3265% | 4,417 |
| Tier 1 risk-based capital ratio | 13.1888% | 5,047 |
| Total risk-based capital ratio | 14.3998% | 5,052 |
| Memoranda: | ||
| Average total assets | $263,721,330 | 2,427 |
| Average earning assets | $249,785,000 | 2,355 |
| Average equity | $26,266,670 | 2,551 |
| Average total loans | $166,521,670 | 2,385 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7486% | 2,850 |
| Cost of funding earning assets | 0.9327% | 2,414 |
| Net interest margin | 3.8160% | 3,310 |
| Noninterest income to average assets | 0.8383% | 1,993 |
| Noninterest expense to average assets | 2.9707% | 3,384 |
| Loan and lease loss provision to assets | 0.2515% | 2,442 |
| Net operating income to assets | 0.8231% | 3,280 |
| Return on assets (ROA) | 0.8231% | 3,510 |
| Pretax return on assets | 1.2270% | 2,810 |
| Return on Equity (ROE) | 8.2743% | 3,157 |
| Retained earnings to average equity (ytd only) | 5.2097% | 3,430 |
| Net charge-offs to loans | 0.0484% | 4,024 |
| Credit loss provision to net charge-offs | 825.0000% | 423 |
| Earnings coverage of net charge-offs (x) | 48.5000% | 649 |
| Efficiency ratio | 66.7694% | 4,409 |
| Assets per employee ($millions) | 2.9935% | 6,164 |
| Cash dividends to net income (ytd only)* | 37.0370% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3671% | 1,559 |
| Loan loss allowance to noncurrent loans | 114.4876% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 1.2863% | 3,994 |
| Noncurrent loans to loans | 2.0676% | 3,068 |
| Net loans and leases to total assets | 60.1926% | 3,625 |
| Net loans and leases to deposits | 68.8840% | 3,895 |
| Net loans and leases to core deposits | 71.5106% | 4,223 |
| Total domestic deposits to total assets | 87.3826% | 2,731 |
| Equity capital to assets | 9.8732% | 4,290 |
| Core capital (leverage) ratio | 9.3563% | 4,270 |
| Tier 1 risk-based capital ratio | 13.3031% | 4,979 |
| Total risk-based capital ratio | 14.5107% | 5,001 |
| Memoranda: | ||
| Average total assets | $262,431,500 | 2,455 |
| Average earning assets | $248,323,500 | 2,378 |
| Average equity | $26,105,000 | 2,559 |
| Average total loans | $165,176,000 | 2,413 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1036% | 2,440 |
| Cost of funding earning assets | 1.2530% | 1,719 |
| Net interest margin | 3.8506% | 3,567 |
| Noninterest income to average assets | 0.7586% | 2,289 |
| Noninterest expense to average assets | 2.9113% | 3,914 |
| Loan and lease loss provision to assets | 0.2712% | 3,502 |
| Net operating income to assets | 0.8353% | 2,894 |
| Return on assets (ROA) | 0.8361% | 3,049 |
| Pretax return on assets | 1.2089% | 2,428 |
| Return on Equity (ROE) | 8.7246% | 2,578 |
| Retained earnings to average equity (ytd only) | 5.8946% | 2,081 |
| Net charge-offs to loans | 0.2352% | 4,312 |
| Credit loss provision to net charge-offs | 179.0281% | 1,459 |
| Earnings coverage of net charge-offs (x) | 9.7621% | 1,938 |
| Efficiency ratio | 66.3137% | 4,705 |
| Assets per employee ($millions) | 2.9039% | 6,279 |
| Cash dividends to net income (ytd only)* | 32.4374% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2535% | 1,703 |
| Loan loss allowance to noncurrent loans | 87.2901% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.6800% | 3,431 |
| Noncurrent loans to loans | 2.5816% | 2,537 |
| Net loans and leases to total assets | 62.8207% | 3,446 |
| Net loans and leases to deposits | 70.9091% | 3,965 |
| Net loans and leases to core deposits | 73.9075% | 4,255 |
| Total domestic deposits to total assets | 88.5933% | 1,785 |
| Equity capital to assets | 10.0238% | 4,139 |
| Core capital (leverage) ratio | 9.3999% | 4,182 |
| Tier 1 risk-based capital ratio | 13.0016% | 5,067 |
| Total risk-based capital ratio | 14.2086% | 5,080 |
| Memoranda: | ||
| Average total assets | $258,094,600 | 2,448 |
| Average earning assets | $243,417,400 | 2,365 |
| Average equity | $24,734,600 | 2,606 |
| Average total loans | $166,222,200 | 2,414 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1243% | 2,494 |
| Cost of funding earning assets | 1.3380% | 1,510 |
| Net interest margin | 3.7862% | 3,944 |
| Noninterest income to average assets | 0.7421% | 2,355 |
| Noninterest expense to average assets | 2.9456% | 3,758 |
| Loan and lease loss provision to assets | 0.2765% | 3,302 |
| Net operating income to assets | 0.7612% | 3,335 |
| Return on assets (ROA) | 0.7612% | 3,494 |
| Pretax return on assets | 1.0925% | 3,045 |
| Return on Equity (ROE) | 8.0352% | 3,026 |
| Retained earnings to average equity (ytd only) | 5.0350% | 3,149 |
| Net charge-offs to loans | 0.2157% | 4,090 |
| Credit loss provision to net charge-offs | 198.8848% | 1,475 |
| Earnings coverage of net charge-offs (x) | 9.8475% | 1,998 |
| Efficiency ratio | 68.2716% | 4,268 |
| Assets per employee ($millions) | 2.9014% | 6,306 |
| Cash dividends to net income (ytd only)* | 37.3390% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2202% | 1,820 |
| Loan loss allowance to noncurrent loans | 95.1401% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 1.5525% | 3,766 |
| Noncurrent loans to loans | 2.3336% | 2,968 |
| Net loans and leases to total assets | 63.8222% | 3,346 |
| Net loans and leases to deposits | 72.4401% | 3,908 |
| Net loans and leases to core deposits | 75.4019% | 4,265 |
| Total domestic deposits to total assets | 88.1034% | 1,985 |
| Equity capital to assets | 9.9998% | 4,340 |
| Core capital (leverage) ratio | 9.1259% | 4,756 |
| Tier 1 risk-based capital ratio | 12.7248% | 5,314 |
| Total risk-based capital ratio | 13.9310% | 5,320 |
| Memoranda: | ||
| Average total assets | $258,007,000 | 2,456 |
| Average earning assets | $243,437,000 | 2,371 |
| Average equity | $24,441,750 | 2,637 |
| Average total loans | $166,252,750 | 2,426 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0699% | 2,830 |
| Cost of funding earning assets | 1.3680% | 1,559 |
| Net interest margin | 3.7019% | 4,250 |
| Noninterest income to average assets | 0.7331% | 2,356 |
| Noninterest expense to average assets | 2.9679% | 3,766 |
| Loan and lease loss provision to assets | 0.2858% | 3,094 |
| Net operating income to assets | 0.6929% | 3,576 |
| Return on assets (ROA) | 0.6929% | 3,695 |
| Pretax return on assets | 0.9726% | 3,348 |
| Return on Equity (ROE) | 7.4507% | 3,217 |
| Retained earnings to average equity (ytd only) | 4.1282% | 3,569 |
| Net charge-offs to loans | 0.0458% | 5,209 |
| Credit loss provision to net charge-offs | 973.6842% | 339 |
| Earnings coverage of net charge-offs (x) | 42.8684% | 711 |
| Efficiency ratio | 70.2248% | 4,069 |
| Assets per employee ($millions) | 2.9447% | 6,209 |
| Cash dividends to net income (ytd only)* | 44.5931% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2585% | 1,812 |
| Loan loss allowance to noncurrent loans | 86.6345% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 1.6689% | 3,676 |
| Noncurrent loans to loans | 2.6069% | 2,767 |
| Net loans and leases to total assets | 61.4968% | 3,987 |
| Net loans and leases to deposits | 69.6577% | 4,480 |
| Net loans and leases to core deposits | 72.4478% | 4,764 |
| Total domestic deposits to total assets | 88.2842% | 1,970 |
| Equity capital to assets | 9.3541% | 5,064 |
| Core capital (leverage) ratio | 8.9437% | 4,817 |
| Tier 1 risk-based capital ratio | 12.2630% | 5,557 |
| Total risk-based capital ratio | 13.4710% | 5,572 |
| Memoranda: | ||
| Average total assets | $258,901,000 | 2,465 |
| Average earning assets | $244,305,330 | 2,375 |
| Average equity | $24,078,330 | 2,655 |
| Average total loans | $166,119,000 | 2,454 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1220% | 2,546 |
| Cost of funding earning assets | 1.4153% | 1,536 |
| Net interest margin | 3.7067% | 4,064 |
| Noninterest income to average assets | 0.7176% | 2,467 |
| Noninterest expense to average assets | 3.0144% | 3,582 |
| Loan and lease loss provision to assets | 0.3205% | 2,625 |
| Net operating income to assets | 0.6379% | 3,816 |
| Return on assets (ROA) | 0.6379% | 3,887 |
| Pretax return on assets | 0.8756% | 3,593 |
| Return on Equity (ROE) | 6.8797% | 3,447 |
| Retained earnings to average equity (ytd only) | 0.1349% | 5,748 |
| Net charge-offs to loans | 0.0555% | 4,377 |
| Credit loss provision to net charge-offs | 891.3043% | 434 |
| Earnings coverage of net charge-offs (x) | 33.2609% | 778 |
| Efficiency ratio | 71.5930% | 3,944 |
| Assets per employee ($millions) | 2.8916% | 6,373 |
| Cash dividends to net income (ytd only)* | 98.0392% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2012% | 1,965 |
| Loan loss allowance to noncurrent loans | 95.3335% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 1.5042% | 3,997 |
| Noncurrent loans to loans | 2.3089% | 3,181 |
| Net loans and leases to total assets | 62.4278% | 3,770 |
| Net loans and leases to deposits | 70.1959% | 4,317 |
| Net loans and leases to core deposits | 72.7924% | 4,678 |
| Total domestic deposits to total assets | 88.9337% | 1,811 |
| Equity capital to assets | 9.2306% | 4,836 |
| Core capital (leverage) ratio | 8.8490% | 4,855 |
| Tier 1 risk-based capital ratio | 12.2051% | 5,507 |
| Total risk-based capital ratio | 13.4111% | 5,538 |
| Memoranda: | ||
| Average total assets | $255,838,000 | 2,513 |
| Average earning assets | $241,079,000 | 2,436 |
| Average equity | $23,722,000 | 2,670 |
| Average total loans | $165,804,000 | 2,489 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5112% | 2,235 |
| Cost of funding earning assets | 1.7365% | 1,434 |
| Net interest margin | 3.7748% | 4,054 |
| Noninterest income to average assets | 0.8773% | 1,937 |
| Noninterest expense to average assets | 2.8614% | 4,370 |
| Loan and lease loss provision to assets | 0.5022% | 3,142 |
| Net operating income to assets | 0.7568% | 2,969 |
| Return on assets (ROA) | 0.7568% | 3,092 |
| Pretax return on assets | 1.0643% | 2,715 |
| Return on Equity (ROE) | 8.3588% | 2,550 |
| Retained earnings to average equity (ytd only) | 5.3720% | 2,198 |
| Net charge-offs to loans | 1.3382% | 1,669 |
| Credit loss provision to net charge-offs | 55.6745% | 6,166 |
| Earnings coverage of net charge-offs (x) | 1.7366% | 4,416 |
| Efficiency ratio | 64.6222% | 5,239 |
| Assets per employee ($millions) | 2.8576% | 6,424 |
| Cash dividends to net income (ytd only)* | 35.7325% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0522% | 2,173 |
| Loan loss allowance to noncurrent loans | 90.8947% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 1.5024% | 4,063 |
| Noncurrent loans to loans | 2.2578% | 3,263 |
| Net loans and leases to total assets | 64.4448% | 3,771 |
| Net loans and leases to deposits | 72.6758% | 4,398 |
| Net loans and leases to core deposits | 74.8518% | 4,868 |
| Total domestic deposits to total assets | 88.6744% | 1,842 |
| Equity capital to assets | 9.3144% | 4,672 |
| Core capital (leverage) ratio | 8.8357% | 4,800 |
| Tier 1 risk-based capital ratio | 12.7012% | 4,862 |
| Total risk-based capital ratio | 13.9595% | 4,829 |
| Memoranda: | ||
| Average total assets | $258,862,800 | 2,465 |
| Average earning assets | $243,484,000 | 2,400 |
| Average equity | $23,436,400 | 2,710 |
| Average total loans | $174,493,800 | 2,410 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5340% | 2,314 |
| Cost of funding earning assets | 1.7920% | 1,451 |
| Net interest margin | 3.7420% | 4,223 |
| Noninterest income to average assets | 0.8241% | 2,110 |
| Noninterest expense to average assets | 2.8625% | 4,232 |
| Loan and lease loss provision to assets | 0.3462% | 3,843 |
| Net operating income to assets | 0.7815% | 3,082 |
| Return on assets (ROA) | 0.7815% | 3,241 |
| Pretax return on assets | 1.1354% | 2,712 |
| Return on Equity (ROE) | 8.6935% | 2,606 |
| Retained earnings to average equity (ytd only) | 5.8413% | 2,450 |
| Net charge-offs to loans | 0.1066% | 5,477 |
| Credit loss provision to net charge-offs | 478.7234% | 619 |
| Earnings coverage of net charge-offs (x) | 20.4888% | 1,162 |
| Efficiency ratio | 65.8954% | 4,883 |
| Assets per employee ($millions) | 2.9156% | 6,335 |
| Cash dividends to net income (ytd only)* | 32.8084% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8414% | 972 |
| Loan loss allowance to noncurrent loans | 86.4972% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 2.3299% | 3,053 |
| Noncurrent loans to loans | 3.2849% | 2,409 |
| Net loans and leases to total assets | 66.6767% | 3,533 |
| Net loans and leases to deposits | 75.9291% | 4,192 |
| Net loans and leases to core deposits | 78.5339% | 4,734 |
| Total domestic deposits to total assets | 87.8144% | 2,083 |
| Equity capital to assets | 9.4098% | 4,971 |
| Core capital (leverage) ratio | 8.7323% | 5,131 |
| Tier 1 risk-based capital ratio | 12.2292% | 5,238 |
| Total risk-based capital ratio | 13.4970% | 5,190 |
| Memoranda: | ||
| Average total assets | $259,997,000 | 2,493 |
| Average earning assets | $244,567,000 | 2,425 |
| Average equity | $23,373,250 | 2,766 |
| Average total loans | $176,283,750 | 2,434 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5544% | 2,317 |
| Cost of funding earning assets | 1.8452% | 1,453 |
| Net interest margin | 3.7092% | 4,320 |
| Noninterest income to average assets | 0.7199% | 2,577 |
| Noninterest expense to average assets | 2.8460% | 4,285 |
| Loan and lease loss provision to assets | 0.3446% | 3,660 |
| Net operating income to assets | 0.7123% | 3,352 |
| Return on assets (ROA) | 0.7123% | 3,503 |
| Pretax return on assets | 1.0194% | 3,048 |
| Return on Equity (ROE) | 8.0461% | 2,867 |
| Retained earnings to average equity (ytd only) | 6.3158% | 2,160 |
| Net charge-offs to loans | 0.1191% | 4,990 |
| Credit loss provision to net charge-offs | 428.5714% | 845 |
| Earnings coverage of net charge-offs (x) | 16.9619% | 1,377 |
| Efficiency ratio | 67.6005% | 4,655 |
| Assets per employee ($millions) | 2.9414% | 6,271 |
| Cash dividends to net income (ytd only)* | 21.5054% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7595% | 1,033 |
| Loan loss allowance to noncurrent loans | 83.1434% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 2.3867% | 3,018 |
| Noncurrent loans to loans | 3.3190% | 2,414 |
| Net loans and leases to total assets | 65.5359% | 3,934 |
| Net loans and leases to deposits | 74.1333% | 4,657 |
| Net loans and leases to core deposits | 76.2605% | 5,163 |
| Total domestic deposits to total assets | 88.4028% | 1,776 |
| Equity capital to assets | 9.1738% | 5,182 |
| Core capital (leverage) ratio | 8.5625% | 5,309 |
| Tier 1 risk-based capital ratio | 12.0068% | 5,301 |
| Total risk-based capital ratio | 13.2736% | 5,255 |
| Memoranda: | ||
| Average total assets | $261,138,000 | 2,496 |
| Average earning assets | $245,714,670 | 2,435 |
| Average equity | $23,116,670 | 2,782 |
| Average total loans | $176,352,330 | 2,465 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5756% | 2,262 |
| Cost of funding earning assets | 1.8980% | 1,455 |
| Net interest margin | 3.6776% | 4,358 |
| Noninterest income to average assets | 0.6512% | 2,930 |
| Noninterest expense to average assets | 2.8183% | 4,415 |
| Loan and lease loss provision to assets | 0.3431% | 3,326 |
| Net operating income to assets | 0.6726% | 3,559 |
| Return on assets (ROA) | 0.6726% | 3,677 |
| Pretax return on assets | 0.9471% | 3,276 |
| Return on Equity (ROE) | 7.7362% | 3,007 |
| Retained earnings to average equity (ytd only) | 4.2277% | 3,612 |
| Net charge-offs to loans | 0.1534% | 4,010 |
| Credit loss provision to net charge-offs | 330.8824% | 1,201 |
| Earnings coverage of net charge-offs (x) | 12.4412% | 1,566 |
| Efficiency ratio | 68.5969% | 4,605 |
| Assets per employee ($millions) | 2.9572% | 6,312 |
| Cash dividends to net income (ytd only)* | 45.3515% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6692% | 1,107 |
| Loan loss allowance to noncurrent loans | 78.6467% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 2.3618% | 3,072 |
| Noncurrent loans to loans | 3.3939% | 2,359 |
| Net loans and leases to total assets | 64.0911% | 4,304 |
| Net loans and leases to deposits | 72.4659% | 4,993 |
| Net loans and leases to core deposits | 74.3658% | 5,461 |
| Total domestic deposits to total assets | 88.4431% | 1,825 |
| Equity capital to assets | 8.7027% | 5,726 |
| Core capital (leverage) ratio | 8.2748% | 5,789 |
| Tier 1 risk-based capital ratio | 11.6379% | 5,543 |
| Total risk-based capital ratio | 12.9029% | 5,487 |
| Memoranda: | ||
| Average total assets | $262,284,000 | 2,545 |
| Average earning assets | $246,576,000 | 2,487 |
| Average equity | $22,802,000 | 2,837 |
| Average total loans | $177,303,000 | 2,511 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8632% | 2,395 |
| Cost of funding earning assets | 2.3378% | 1,500 |
| Net interest margin | 3.5254% | 4,840 |
| Noninterest income to average assets | 1.0366% | 1,447 |
| Noninterest expense to average assets | 2.7650% | 5,107 |
| Loan and lease loss provision to assets | 0.9166% | 2,453 |
| Net operating income to assets | 0.5242% | 3,631 |
| Return on assets (ROA) | 0.5251% | 3,715 |
| Pretax return on assets | 0.6929% | 3,598 |
| Return on Equity (ROE) | 6.2008% | 3,124 |
| Retained earnings to average equity (ytd only) | 4.4189% | 2,152 |
| Net charge-offs to loans | 0.2511% | 5,049 |
| Credit loss provision to net charge-offs | 531.7287% | 566 |
| Earnings coverage of net charge-offs (x) | 9.3304% | 1,819 |
| Efficiency ratio | 63.2224% | 5,927 |
| Assets per employee ($millions) | 2.9702% | 6,295 |
| Cash dividends to net income (ytd only)* | 28.7356% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4650% | 1,270 |
| Loan loss allowance to noncurrent loans | 95.7985% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 1.9260% | 3,493 |
| Noncurrent loans to loans | 2.5731% | 2,982 |
| Net loans and leases to total assets | 67.6529% | 3,785 |
| Net loans and leases to deposits | 76.5495% | 4,649 |
| Net loans and leases to core deposits | 95.4527% | 4,520 |
| Total domestic deposits to total assets | 88.3780% | 1,782 |
| Equity capital to assets | 8.6845% | 5,613 |
| Core capital (leverage) ratio | 8.1762% | 5,861 |
| Tier 1 risk-based capital ratio | 11.2516% | 5,662 |
| Total risk-based capital ratio | 12.5151% | 5,600 |
| Memoranda: | ||
| Average total assets | $265,100,400 | 2,471 |
| Average earning assets | $250,922,200 | 2,392 |
| Average equity | $22,448,800 | 2,895 |
| Average total loans | $182,005,200 | 2,487 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8536% | 2,654 |
| Cost of funding earning assets | 2.4244% | 1,549 |
| Net interest margin | 3.4292% | 5,147 |
| Noninterest income to average assets | 1.1006% | 1,311 |
| Noninterest expense to average assets | 2.8657% | 4,588 |
| Loan and lease loss provision to assets | 0.3032% | 4,547 |
| Net operating income to assets | 0.8124% | 2,757 |
| Return on assets (ROA) | 0.8134% | 2,814 |
| Pretax return on assets | 1.1863% | 2,310 |
| Return on Equity (ROE) | 9.6664% | 2,046 |
| Retained earnings to average equity (ytd only) | 8.4752% | 986 |
| Net charge-offs to loans | 0.1661% | 5,056 |
| Credit loss provision to net charge-offs | 266.5198% | 1,593 |
| Earnings coverage of net charge-offs (x) | 13.0793% | 1,704 |
| Efficiency ratio | 65.8225% | 5,400 |
| Assets per employee ($millions) | 3.0521% | 6,037 |
| Cash dividends to net income (ytd only)* | 12.3228% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6066% | 2,961 |
| Loan loss allowance to noncurrent loans | 54.5248% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 1.9625% | 3,397 |
| Noncurrent loans to loans | 2.9465% | 2,580 |
| Net loans and leases to total assets | 65.5333% | 4,526 |
| Net loans and leases to deposits | 74.4929% | 5,293 |
| Net loans and leases to core deposits | 95.1221% | 4,916 |
| Total domestic deposits to total assets | 87.9726% | 1,668 |
| Equity capital to assets | 8.8120% | 5,765 |
| Core capital (leverage) ratio | 8.2210% | 5,978 |
| Tier 1 risk-based capital ratio | 11.4970% | 5,431 |
| Total risk-based capital ratio | 12.7502% | 5,380 |
| Memoranda: | ||
| Average total assets | $266,032,000 | 2,467 |
| Average earning assets | $252,375,000 | 2,401 |
| Average equity | $22,386,250 | 2,922 |
| Average total loans | $182,182,500 | 2,508 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0056% | 2,159 |
| Cost of funding earning assets | 2.5102% | 1,575 |
| Net interest margin | 3.4954% | 4,818 |
| Noninterest income to average assets | 1.2324% | 1,018 |
| Noninterest expense to average assets | 2.8705% | 4,634 |
| Loan and lease loss provision to assets | 0.3017% | 4,149 |
| Net operating income to assets | 0.9262% | 2,361 |
| Return on assets (ROA) | 0.9262% | 2,453 |
| Pretax return on assets | 1.3757% | 1,800 |
| Return on Equity (ROE) | 11.1845% | 1,653 |
| Retained earnings to average equity (ytd only) | 9.3629% | 846 |
| Net charge-offs to loans | 0.1451% | 4,732 |
| Credit loss provision to net charge-offs | 300.7519% | 1,541 |
| Earnings coverage of net charge-offs (x) | 16.7218% | 1,524 |
| Efficiency ratio | 63.1177% | 6,070 |
| Assets per employee ($millions) | 2.9559% | 6,249 |
| Cash dividends to net income (ytd only)* | 16.2866% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5634% | 2,897 |
| Loan loss allowance to noncurrent loans | 206.1940% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.5626% | 6,016 |
| Noncurrent loans to loans | 0.7582% | 5,722 |
| Net loans and leases to total assets | 66.1297% | 4,541 |
| Net loans and leases to deposits | 74.5548% | 5,371 |
| Net loans and leases to core deposits | 94.2319% | 5,088 |
| Total domestic deposits to total assets | 88.6994% | 1,435 |
| Equity capital to assets | 8.5550% | 5,966 |
| Core capital (leverage) ratio | 8.0438% | 6,250 |
| Tier 1 risk-based capital ratio | 11.5460% | 5,338 |
| Total risk-based capital ratio | 12.7990% | 5,264 |
| Memoranda: | ||
| Average total assets | $265,180,330 | 2,487 |
| Average earning assets | $251,531,000 | 2,426 |
| Average equity | $21,959,000 | 2,977 |
| Average total loans | $183,280,670 | 2,530 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1127% | 1,901 |
| Cost of funding earning assets | 2.5851% | 1,611 |
| Net interest margin | 3.5276% | 4,624 |
| Noninterest income to average assets | 1.3732% | 758 |
| Noninterest expense to average assets | 2.7570% | 4,749 |
| Loan and lease loss provision to assets | 0.3080% | 3,494 |
| Net operating income to assets | 1.0923% | 1,989 |
| Return on assets (ROA) | 1.0923% | 2,118 |
| Pretax return on assets | 1.6542% | 1,282 |
| Return on Equity (ROE) | 13.4099% | 1,291 |
| Retained earnings to average equity (ytd only) | 9.7208% | 1,269 |
| Net charge-offs to loans | 0.1372% | 3,863 |
| Credit loss provision to net charge-offs | 320.3125% | 1,536 |
| Earnings coverage of net charge-offs (x) | 20.4063% | 1,372 |
| Efficiency ratio | 58.4209% | 6,635 |
| Assets per employee ($millions) | 3.0523% | 6,019 |
| Cash dividends to net income (ytd only)* | 27.5103% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4552% | 3,204 |
| Loan loss allowance to noncurrent loans | 268.2604% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.4229% | 6,236 |
| Noncurrent loans to loans | 0.5425% | 6,058 |
| Net loans and leases to total assets | 67.2453% | 4,302 |
| Net loans and leases to deposits | 76.2132% | 5,192 |
| Net loans and leases to core deposits | 96.9462% | 4,852 |
| Total domestic deposits to total assets | 88.2332% | 1,626 |
| Equity capital to assets | 8.3053% | 6,383 |
| Core capital (leverage) ratio | 7.8692% | 6,664 |
| Tier 1 risk-based capital ratio | 11.1739% | 5,726 |
| Total risk-based capital ratio | 12.4258% | 5,644 |
| Memoranda: | ||
| Average total assets | $266,233,500 | 2,494 |
| Average earning assets | $252,524,000 | 2,429 |
| Average equity | $21,685,500 | 3,021 |
| Average total loans | $186,554,500 | 2,511 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5785% | 2,587 |
| Cost of funding earning assets | 3.1425% | 1,376 |
| Net interest margin | 3.4360% | 5,526 |
| Noninterest income to average assets | 0.8352% | 2,324 |
| Noninterest expense to average assets | 2.7928% | 4,850 |
| Loan and lease loss provision to assets | 0.3343% | 3,712 |
| Net operating income to assets | 0.6702% | 4,023 |
| Return on assets (ROA) | 0.6721% | 3,855 |
| Pretax return on assets | 0.9478% | 3,560 |
| Return on Equity (ROE) | 8.5172% | 2,830 |
| Retained earnings to average equity (ytd only) | 7.5263% | 977 |
| Net charge-offs to loans | 0.1840% | 4,357 |
| Credit loss provision to net charge-offs | 263.0769% | 1,760 |
| Earnings coverage of net charge-offs (x) | 10.0677% | 2,582 |
| Efficiency ratio | 68.5838% | 4,613 |
| Assets per employee ($millions) | 2.9657% | 6,133 |
| Cash dividends to net income (ytd only)* | 11.6347% | 4,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 3,776 |
| Loan loss allowance to noncurrent loans | 443.3393% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.2109% | 6,728 |
| Noncurrent loans to loans | 0.2934% | 6,499 |
| Net loans and leases to total assets | 70.9607% | 3,793 |
| Net loans and leases to deposits | 82.3883% | 4,664 |
| Net loans and leases to core deposits | 105.2584% | 4,272 |
| Total domestic deposits to total assets | 86.1296% | 2,342 |
| Equity capital to assets | 7.9861% | 6,863 |
| Core capital (leverage) ratio | 7.7833% | 6,829 |
| Tier 1 risk-based capital ratio | 10.5450% | 6,162 |
| Total risk-based capital ratio | 11.7896% | 6,065 |
| Memoranda: | ||
| Average total assets | $255,761,800 | 2,503 |
| Average earning assets | $240,952,000 | 2,444 |
| Average equity | $20,182,600 | 3,203 |
| Average total loans | $176,638,800 | 2,540 |