Home > BankTennessee > Performance and Condition Ratios
BankTennessee, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8804% | 738 |
| Cost of funding earning assets | 2.3672% | 486 |
| Net interest margin | 3.5133% | 2,152 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.3714% | 2,663 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.1881% | 1,673 |
| Return on assets (ROA) | 1.1881% | 1,655 |
| Pretax return on assets | 1.1238% | 2,335 |
| Return on Equity (ROE) | 14.1500% | 1,454 |
| Retained earnings to average equity (ytd only) | 8.1344% | 1,496 |
| Net charge-offs to loans | -0.0231% | 4,211 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.7921% | 2,249 |
| Assets per employee ($millions) | 6.3685% | 2,500 |
| Cash dividends to net income (ytd only)* | 42.4951% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 1,764 |
| Loan loss allowance to noncurrent loans | 270.3953% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.4103% | 1,354 |
| Noncurrent loans to loans | 0.4809% | 1,583 |
| Net loans and leases to total assets | 84.2100% | 258 |
| Net loans and leases to deposits | 98.4705% | 619 |
| Net loans and leases to core deposits | 106.8079% | 1,075 |
| Total domestic deposits to total assets | 85.5200% | 2,156 |
| Equity capital to assets | 8.5763% | 2,996 |
| Core capital (leverage) ratio | 8.5973% | 4,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2423% | 2,774 |
| Memoranda: | ||
| Average total assets | $561,313,400 | 1,578 |
| Average earning assets | $525,864,400 | 1,563 |
| Average equity | $47,145,200 | 1,675 |
| Average total loans | $484,809,800 | 1,263 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7987% | 690 |
| Cost of funding earning assets | 2.2957% | 412 |
| Net interest margin | 3.5029% | 2,203 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.3392% | 2,679 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.1540% | 1,915 |
| Return on assets (ROA) | 1.1540% | 1,897 |
| Pretax return on assets | 1.1239% | 2,492 |
| Return on Equity (ROE) | 13.8200% | 1,701 |
| Retained earnings to average equity (ytd only) | 7.3738% | 2,178 |
| Net charge-offs to loans | -0.0290% | 4,239 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.1296% | 2,264 |
| Assets per employee ($millions) | 6.2038% | 2,561 |
| Cash dividends to net income (ytd only)* | 46.6279% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2906% | 1,909 |
| Loan loss allowance to noncurrent loans | 353.7445% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.3217% | 1,738 |
| Noncurrent loans to loans | 0.3648% | 1,924 |
| Net loans and leases to total assets | 87.0300% | 116 |
| Net loans and leases to deposits | 101.7288% | 442 |
| Net loans and leases to core deposits | 109.0562% | 908 |
| Total domestic deposits to total assets | 85.5500% | 2,334 |
| Equity capital to assets | 8.3657% | 2,817 |
| Core capital (leverage) ratio | 8.5662% | 4,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9235% | 2,839 |
| Memoranda: | ||
| Average total assets | $556,759,500 | 1,592 |
| Average earning assets | $521,647,500 | 1,568 |
| Average equity | $46,506,000 | 1,682 |
| Average total loans | $482,401,000 | 1,268 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6611% | 674 |
| Cost of funding earning assets | 2.2609% | 303 |
| Net interest margin | 3.4002% | 2,510 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.2870% | 2,850 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.1336% | 2,023 |
| Return on assets (ROA) | 1.1336% | 2,019 |
| Pretax return on assets | 1.0759% | 2,704 |
| Return on Equity (ROE) | 13.5800% | 1,775 |
| Retained earnings to average equity (ytd only) | 6.5751% | 2,425 |
| Net charge-offs to loans | -0.0277% | 4,215 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.5092% | 2,173 |
| Assets per employee ($millions) | 6.0621% | 2,662 |
| Cash dividends to net income (ytd only)* | 51.5759% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 1,968 |
| Loan loss allowance to noncurrent loans | 402.5625% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 1,788 |
| Noncurrent loans to loans | 0.3206% | 1,992 |
| Net loans and leases to total assets | 87.1100% | 114 |
| Net loans and leases to deposits | 101.3979% | 455 |
| Net loans and leases to core deposits | 107.6549% | 920 |
| Total domestic deposits to total assets | 85.9100% | 2,256 |
| Equity capital to assets | 8.5172% | 2,851 |
| Core capital (leverage) ratio | 8.3918% | 4,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9455% | 2,853 |
| Memoranda: | ||
| Average total assets | $554,164,000 | 1,595 |
| Average earning assets | $519,090,333 | 1,576 |
| Average equity | $46,265,333 | 1,690 |
| Average total loans | $477,279,000 | 1,260 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4907% | 631 |
| Cost of funding earning assets | 2.1997% | 197 |
| Net interest margin | 3.2910% | 2,898 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.2354% | 2,999 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.9701% | 2,626 |
| Return on assets (ROA) | 0.9701% | 2,587 |
| Pretax return on assets | 0.9787% | 3,058 |
| Return on Equity (ROE) | 11.7400% | 2,285 |
| Retained earnings to average equity (ytd only) | 3.4854% | 3,394 |
| Net charge-offs to loans | -0.0330% | 4,245 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.2881% | 2,063 |
| Assets per employee ($millions) | 6.6509% | 2,231 |
| Cash dividends to net income (ytd only)* | 70.3044% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3283% | 1,904 |
| Loan loss allowance to noncurrent loans | 420.8136% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 1,837 |
| Noncurrent loans to loans | 0.3156% | 2,013 |
| Net loans and leases to total assets | 81.5600% | 411 |
| Net loans and leases to deposits | 94.4006% | 770 |
| Net loans and leases to core deposits | 99.8685% | 1,094 |
| Total domestic deposits to total assets | 86.4000% | 2,475 |
| Equity capital to assets | 8.1599% | 3,133 |
| Core capital (leverage) ratio | 8.2722% | 4,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9995% | 2,946 |
| Memoranda: | ||
| Average total assets | $555,422,000 | 1,613 |
| Average earning assets | $520,442,000 | 1,596 |
| Average equity | $45,905,500 | 1,713 |
| Average total loans | $472,500,500 | 1,281 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6041% | 609 |
| Cost of funding earning assets | 0.7755% | 427 |
| Net interest margin | 3.8286% | 1,104 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.1042% | 3,282 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.5976% | 696 |
| Return on assets (ROA) | 1.5976% | 661 |
| Pretax return on assets | 1.7068% | 904 |
| Return on Equity (ROE) | 19.3000% | 538 |
| Retained earnings to average equity (ytd only) | 10.3657% | 1,050 |
| Net charge-offs to loans | -0.0442% | 4,320 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.2472% | 3,854 |
| Assets per employee ($millions) | 6.2703% | 2,534 |
| Cash dividends to net income (ytd only)* | 46.2893% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 1,943 |
| Loan loss allowance to noncurrent loans | 454.9410% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 1,907 |
| Noncurrent loans to loans | 0.2839% | 2,131 |
| Net loans and leases to total assets | 86.4400% | 130 |
| Net loans and leases to deposits | 100.6923% | 413 |
| Net loans and leases to core deposits | 105.1693% | 784 |
| Total domestic deposits to total assets | 85.8400% | 2,770 |
| Equity capital to assets | 8.3738% | 2,789 |
| Core capital (leverage) ratio | 8.4939% | 4,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7432% | 2,999 |
| Memoranda: | ||
| Average total assets | $533,034,600 | 1,653 |
| Average earning assets | $499,685,800 | 1,629 |
| Average equity | $44,126,200 | 1,783 |
| Average total loans | $441,078,000 | 1,290 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3432% | 667 |
| Cost of funding earning assets | 0.5102% | 720 |
| Net interest margin | 3.8329% | 903 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.0730% | 3,288 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.6659% | 576 |
| Return on assets (ROA) | 1.6659% | 557 |
| Pretax return on assets | 1.7796% | 766 |
| Return on Equity (ROE) | 20.1800% | 421 |
| Retained earnings to average equity (ytd only) | 12.0870% | 778 |
| Net charge-offs to loans | -0.0506% | 4,313 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.9417% | 4,013 |
| Assets per employee ($millions) | 6.0703% | 2,700 |
| Cash dividends to net income (ytd only)* | 40.1148% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 2,174 |
| Loan loss allowance to noncurrent loans | 520.3330% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.2161% | 2,169 |
| Noncurrent loans to loans | 0.2440% | 2,406 |
| Net loans and leases to total assets | 87.4200% | 75 |
| Net loans and leases to deposits | 99.7476% | 369 |
| Net loans and leases to core deposits | 103.3541% | 682 |
| Total domestic deposits to total assets | 87.6400% | 2,540 |
| Equity capital to assets | 8.3258% | 2,657 |
| Core capital (leverage) ratio | 8.5508% | 4,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8512% | 3,055 |
| Memoranda: | ||
| Average total assets | $529,913,250 | 1,677 |
| Average earning assets | $497,289,500 | 1,650 |
| Average equity | $43,737,500 | 1,825 |
| Average total loans | $431,921,750 | 1,299 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0171% | 909 |
| Cost of funding earning assets | 0.4766% | 597 |
| Net interest margin | 3.5405% | 1,203 |
| Noninterest income to average assets | 0.4109% | 2,686 |
| Noninterest expense to average assets | 2.0109% | 3,407 |
| Loan and lease loss provision to assets | 0.0942% | 1,056 |
| Net operating income to assets | 1.5261% | 662 |
| Return on assets (ROA) | 1.5261% | 641 |
| Pretax return on assets | 1.6301% | 879 |
| Return on Equity (ROE) | 18.5433% | 415 |
| Retained earnings to average equity (ytd only) | 10.8658% | 804 |
| Net charge-offs to loans | -0.0543% | 4,267 |
| Credit loss provision to net charge-offs | -219.2982% | 3,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8353% | 3,979 |
| Assets per employee ($millions) | 6.1957% | 2,569 |
| Cash dividends to net income (ytd only)* | 41.4032% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 2,564 |
| Loan loss allowance to noncurrent loans | 316.3647% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 1,674 |
| Noncurrent loans to loans | 0.3871% | 1,976 |
| Net loans and leases to total assets | 84.5707% | 163 |
| Net loans and leases to deposits | 94.2617% | 508 |
| Net loans and leases to core deposits | 96.9968% | 793 |
| Total domestic deposits to total assets | 89.7190% | 1,840 |
| Equity capital to assets | 8.1752% | 2,988 |
| Core capital (leverage) ratio | 8.1343% | 4,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8196% | 3,036 |
| Memoranda: | ||
| Average total assets | $530,512,667 | 1,677 |
| Average earning assets | $498,120,667 | 1,663 |
| Average equity | $43,660,000 | 1,869 |
| Average total loans | $420,029,000 | 1,328 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8750% | 962 |
| Cost of funding earning assets | 0.4835% | 543 |
| Net interest margin | 3.3915% | 1,322 |
| Noninterest income to average assets | 0.5433% | 1,937 |
| Noninterest expense to average assets | 1.9699% | 3,508 |
| Loan and lease loss provision to assets | 0.0756% | 1,089 |
| Net operating income to assets | 1.5763% | 543 |
| Return on assets (ROA) | 1.5763% | 536 |
| Pretax return on assets | 1.6836% | 706 |
| Return on Equity (ROE) | 19.0895% | 273 |
| Retained earnings to average equity (ytd only) | 13.2967% | 442 |
| Net charge-offs to loans | -0.0398% | 4,184 |
| Credit loss provision to net charge-offs | -250.0000% | 3,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8267% | 4,137 |
| Assets per employee ($millions) | 6.6329% | 2,265 |
| Cash dividends to net income (ytd only)* | 30.3452% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 2,389 |
| Loan loss allowance to noncurrent loans | 311.8023% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.3162% | 1,857 |
| Noncurrent loans to loans | 0.4152% | 2,005 |
| Net loans and leases to total assets | 75.1789% | 560 |
| Net loans and leases to deposits | 85.3746% | 783 |
| Net loans and leases to core deposits | 87.7999% | 1,030 |
| Total domestic deposits to total assets | 88.0578% | 2,495 |
| Equity capital to assets | 8.0175% | 3,555 |
| Core capital (leverage) ratio | 7.9285% | 4,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6583% | 2,959 |
| Memoranda: | ||
| Average total assets | $529,354,500 | 1,687 |
| Average earning assets | $497,237,000 | 1,675 |
| Average equity | $43,710,000 | 1,931 |
| Average total loans | $401,941,500 | 1,364 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3955% | 721 |
| Cost of funding earning assets | 0.5284% | 794 |
| Net interest margin | 3.8671% | 890 |
| Noninterest income to average assets | 0.4042% | 3,024 |
| Noninterest expense to average assets | 2.3947% | 2,506 |
| Loan and lease loss provision to assets | 0.1501% | 803 |
| Net operating income to assets | 1.3516% | 1,435 |
| Return on assets (ROA) | 1.3516% | 1,476 |
| Pretax return on assets | 1.4398% | 1,915 |
| Return on Equity (ROE) | 15.0342% | 942 |
| Retained earnings to average equity (ytd only) | 6.8940% | 1,964 |
| Net charge-offs to loans | -0.1040% | 4,592 |
| Credit loss provision to net charge-offs | -182.0728% | 3,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0986% | 3,132 |
| Assets per employee ($millions) | 6.3557% | 2,442 |
| Cash dividends to net income (ytd only)* | 54.1446% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 2,182 |
| Loan loss allowance to noncurrent loans | 290.1667% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.3496% | 1,826 |
| Noncurrent loans to loans | 0.4620% | 1,980 |
| Net loans and leases to total assets | 74.6682% | 611 |
| Net loans and leases to deposits | 83.5851% | 935 |
| Net loans and leases to core deposits | 86.3476% | 1,177 |
| Total domestic deposits to total assets | 89.3319% | 1,335 |
| Equity capital to assets | 8.5106% | 4,041 |
| Core capital (leverage) ratio | 8.7878% | 3,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0518% | 2,875 |
| Memoranda: | ||
| Average total assets | $432,906,600 | 1,887 |
| Average earning assets | $400,815,600 | 1,904 |
| Average equity | $38,918,000 | 2,121 |
| Average total loans | $343,268,600 | 1,545 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5524% | 612 |
| Cost of funding earning assets | 0.5567% | 800 |
| Net interest margin | 3.9957% | 804 |
| Noninterest income to average assets | 0.4377% | 2,897 |
| Noninterest expense to average assets | 2.4902% | 2,152 |
| Loan and lease loss provision to assets | 0.1617% | 680 |
| Net operating income to assets | 1.3794% | 1,603 |
| Return on assets (ROA) | 1.3794% | 1,662 |
| Pretax return on assets | 1.4683% | 2,087 |
| Return on Equity (ROE) | 15.0930% | 1,120 |
| Retained earnings to average equity (ytd only) | 7.7463% | 2,135 |
| Net charge-offs to loans | -0.1218% | 4,675 |
| Credit loss provision to net charge-offs | -165.0165% | 3,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4394% | 2,923 |
| Assets per employee ($millions) | 5.6175% | 3,077 |
| Cash dividends to net income (ytd only)* | 48.6759% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 2,311 |
| Loan loss allowance to noncurrent loans | 239.2278% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.4728% | 1,608 |
| Noncurrent loans to loans | 0.5577% | 1,923 |
| Net loans and leases to total assets | 83.6368% | 125 |
| Net loans and leases to deposits | 92.9451% | 452 |
| Net loans and leases to core deposits | 96.8389% | 708 |
| Total domestic deposits to total assets | 89.9852% | 779 |
| Equity capital to assets | 9.7530% | 3,150 |
| Core capital (leverage) ratio | 9.4295% | 3,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2113% | 2,921 |
| Memoranda: | ||
| Average total assets | $412,431,250 | 1,966 |
| Average earning assets | $380,096,250 | 1,989 |
| Average equity | $37,694,250 | 2,194 |
| Average total loans | $331,680,500 | 1,615 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5137% | 709 |
| Cost of funding earning assets | 0.5777% | 826 |
| Net interest margin | 3.9360% | 917 |
| Noninterest income to average assets | 0.3881% | 3,169 |
| Noninterest expense to average assets | 2.5310% | 2,046 |
| Loan and lease loss provision to assets | 0.1741% | 664 |
| Net operating income to assets | 1.2185% | 2,115 |
| Return on assets (ROA) | 1.2185% | 2,196 |
| Pretax return on assets | 1.3001% | 2,628 |
| Return on Equity (ROE) | 13.6695% | 1,511 |
| Retained earnings to average equity (ytd only) | 6.5250% | 2,615 |
| Net charge-offs to loans | -0.1540% | 4,736 |
| Credit loss provision to net charge-offs | -143.4426% | 3,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1925% | 2,539 |
| Assets per employee ($millions) | 5.1857% | 3,472 |
| Cash dividends to net income (ytd only)* | 52.2662% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4487% | 1,769 |
| Loan loss allowance to noncurrent loans | 205.1173% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.5653% | 1,474 |
| Noncurrent loans to loans | 0.7063% | 1,674 |
| Net loans and leases to total assets | 78.8760% | 387 |
| Net loans and leases to deposits | 86.7323% | 863 |
| Net loans and leases to core deposits | 90.9116% | 1,073 |
| Total domestic deposits to total assets | 90.9419% | 395 |
| Equity capital to assets | 8.7838% | 3,989 |
| Core capital (leverage) ratio | 8.0651% | 4,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3230% | 3,059 |
| Memoranda: | ||
| Average total assets | $401,980,667 | 1,997 |
| Average earning assets | $369,412,000 | 2,022 |
| Average equity | $35,831,667 | 2,277 |
| Average total loans | $316,845,667 | 1,668 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5186% | 756 |
| Cost of funding earning assets | 0.6015% | 870 |
| Net interest margin | 3.9172% | 955 |
| Noninterest income to average assets | 0.3883% | 3,160 |
| Noninterest expense to average assets | 2.5231% | 2,109 |
| Loan and lease loss provision to assets | 0.2528% | 410 |
| Net operating income to assets | 1.1326% | 2,381 |
| Return on assets (ROA) | 1.1326% | 2,455 |
| Pretax return on assets | 1.2085% | 2,825 |
| Return on Equity (ROE) | 12.6100% | 1,787 |
| Retained earnings to average equity (ytd only) | 5.7645% | 2,981 |
| Net charge-offs to loans | -0.2134% | 4,794 |
| Credit loss provision to net charge-offs | -151.5152% | 2,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3249% | 2,559 |
| Assets per employee ($millions) | 5.1344% | 3,499 |
| Cash dividends to net income (ytd only)* | 54.2857% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4648% | 1,721 |
| Loan loss allowance to noncurrent loans | 148.4771% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.7690% | 1,185 |
| Noncurrent loans to loans | 0.9866% | 1,365 |
| Net loans and leases to total assets | 76.7994% | 557 |
| Net loans and leases to deposits | 84.4373% | 1,101 |
| Net loans and leases to core deposits | 89.0823% | 1,282 |
| Total domestic deposits to total assets | 90.9543% | 415 |
| Equity capital to assets | 8.7937% | 3,881 |
| Core capital (leverage) ratio | 8.2578% | 4,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5607% | 2,999 |
| Memoranda: | ||
| Average total assets | $395,543,500 | 2,010 |
| Average earning assets | $363,120,500 | 2,030 |
| Average equity | $35,527,500 | 2,283 |
| Average total loans | $309,253,000 | 1,702 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9354% | 562 |
| Cost of funding earning assets | 0.8642% | 974 |
| Net interest margin | 4.0712% | 837 |
| Noninterest income to average assets | 0.3812% | 3,205 |
| Noninterest expense to average assets | 2.8893% | 1,711 |
| Loan and lease loss provision to assets | 0.4763% | 554 |
| Net operating income to assets | 0.6612% | 3,554 |
| Return on assets (ROA) | 0.6620% | 3,677 |
| Pretax return on assets | 0.7046% | 3,873 |
| Return on Equity (ROE) | 6.7347% | 3,307 |
| Retained earnings to average equity (ytd only) | 3.0956% | 3,298 |
| Net charge-offs to loans | 0.0943% | 1,517 |
| Credit loss provision to net charge-offs | 641.1538% | 1,060 |
| Earnings coverage of net charge-offs (x) | 15.8846% | 2,154 |
| Efficiency ratio | 71.0013% | 1,810 |
| Assets per employee ($millions) | 5.0061% | 3,387 |
| Cash dividends to net income (ytd only)* | 54.0354% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 1,993 |
| Loan loss allowance to noncurrent loans | 114.9400% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.9516% | 1,015 |
| Noncurrent loans to loans | 1.2131% | 1,149 |
| Net loans and leases to total assets | 77.3466% | 663 |
| Net loans and leases to deposits | 85.4272% | 1,301 |
| Net loans and leases to core deposits | 91.0595% | 1,453 |
| Total domestic deposits to total assets | 90.5409% | 359 |
| Equity capital to assets | 9.1800% | 3,906 |
| Core capital (leverage) ratio | 8.5985% | 4,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6856% | 2,993 |
| Memoranda: | ||
| Average total assets | $349,984,000 | 2,054 |
| Average earning assets | $317,055,000 | 2,092 |
| Average equity | $34,403,800 | 2,261 |
| Average total loans | $275,726,400 | 1,796 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8799% | 766 |
| Cost of funding earning assets | 0.9237% | 986 |
| Net interest margin | 3.9562% | 1,220 |
| Noninterest income to average assets | 0.3819% | 3,175 |
| Noninterest expense to average assets | 2.8690% | 1,775 |
| Loan and lease loss provision to assets | 0.5462% | 502 |
| Net operating income to assets | 0.5078% | 4,006 |
| Return on assets (ROA) | 0.5089% | 4,098 |
| Pretax return on assets | 0.5406% | 4,208 |
| Return on Equity (ROE) | 5.0821% | 3,869 |
| Retained earnings to average equity (ytd only) | 2.0102% | 3,928 |
| Net charge-offs to loans | 0.1724% | 857 |
| Credit loss provision to net charge-offs | 401.4368% | 1,456 |
| Earnings coverage of net charge-offs (x) | 7.9799% | 2,535 |
| Efficiency ratio | 72.5512% | 1,574 |
| Assets per employee ($millions) | 4.6166% | 3,705 |
| Cash dividends to net income (ytd only)* | 60.4455% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 2,154 |
| Loan loss allowance to noncurrent loans | 67.7912% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.6010% | 508 |
| Noncurrent loans to loans | 1.9178% | 656 |
| Net loans and leases to total assets | 82.3920% | 409 |
| Net loans and leases to deposits | 91.7640% | 1,094 |
| Net loans and leases to core deposits | 97.6879% | 1,333 |
| Total domestic deposits to total assets | 89.7869% | 506 |
| Equity capital to assets | 9.7757% | 3,454 |
| Core capital (leverage) ratio | 8.8987% | 3,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0750% | 2,904 |
| Memoranda: | ||
| Average total assets | $341,112,750 | 2,075 |
| Average earning assets | $308,033,000 | 2,111 |
| Average equity | $34,158,250 | 2,263 |
| Average total loans | $269,067,250 | 1,821 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9047% | 967 |
| Cost of funding earning assets | 0.9726% | 1,063 |
| Net interest margin | 3.9321% | 1,489 |
| Noninterest income to average assets | 0.3776% | 3,217 |
| Noninterest expense to average assets | 2.8978% | 1,835 |
| Loan and lease loss provision to assets | 0.6940% | 403 |
| Net operating income to assets | 0.3117% | 4,401 |
| Return on assets (ROA) | 0.3134% | 4,441 |
| Pretax return on assets | 0.3312% | 4,495 |
| Return on Equity (ROE) | 3.1036% | 4,326 |
| Retained earnings to average equity (ytd only) | 0.3239% | 4,241 |
| Net charge-offs to loans | 0.2378% | 660 |
| Credit loss provision to net charge-offs | 377.6699% | 1,450 |
| Earnings coverage of net charge-offs (x) | 5.5696% | 2,504 |
| Efficiency ratio | 73.9005% | 1,470 |
| Assets per employee ($millions) | 4.6938% | 3,535 |
| Cash dividends to net income (ytd only)* | 89.5636% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 1,970 |
| Loan loss allowance to noncurrent loans | 100.8526% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 1.0329% | 1,151 |
| Noncurrent loans to loans | 1.2957% | 1,200 |
| Net loans and leases to total assets | 78.6705% | 758 |
| Net loans and leases to deposits | 87.5204% | 1,609 |
| Net loans and leases to core deposits | 93.7675% | 1,761 |
| Total domestic deposits to total assets | 89.8882% | 431 |
| Equity capital to assets | 9.7454% | 3,427 |
| Core capital (leverage) ratio | 8.9635% | 3,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5514% | 2,790 |
| Memoranda: | ||
| Average total assets | $336,325,333 | 2,065 |
| Average earning assets | $303,097,333 | 2,113 |
| Average equity | $33,961,000 | 2,258 |
| Average total loans | $259,842,667 | 1,849 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9341% | 1,108 |
| Cost of funding earning assets | 1.0194% | 1,339 |
| Net interest margin | 3.9148% | 1,624 |
| Noninterest income to average assets | 0.4006% | 3,097 |
| Noninterest expense to average assets | 2.8873% | 2,161 |
| Loan and lease loss provision to assets | 1.0558% | 196 |
| Net operating income to assets | -0.0195% | 4,762 |
| Return on assets (ROA) | -0.0195% | 4,753 |
| Pretax return on assets | -0.0256% | 4,744 |
| Return on Equity (ROE) | -0.1894% | 4,755 |
| Retained earnings to average equity (ytd only) | -5.7772% | 4,574 |
| Net charge-offs to loans | -0.0609% | 4,692 |
| Credit loss provision to net charge-offs | -2,281.5789% | 3,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7022% | 1,857 |
| Assets per employee ($millions) | 4.4333% | 3,356 |
| Cash dividends to net income (ytd only)* | -2,950.0000% | 5,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 1,443 |
| Loan loss allowance to noncurrent loans | 88.4496% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 1.2629% | 949 |
| Noncurrent loans to loans | 1.6637% | 925 |
| Net loans and leases to total assets | 74.7910% | 1,490 |
| Net loans and leases to deposits | 83.6156% | 2,274 |
| Net loans and leases to core deposits | 90.4685% | 2,301 |
| Total domestic deposits to total assets | 89.4462% | 489 |
| Equity capital to assets | 10.0855% | 3,700 |
| Core capital (leverage) ratio | 9.2828% | 4,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6745% | 2,853 |
| Memoranda: | ||
| Average total assets | $328,471,500 | 2,049 |
| Average earning assets | $295,088,000 | 2,106 |
| Average equity | $33,788,000 | 2,256 |
| Average total loans | $249,457,500 | 1,861 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3540% | 740 |
| Cost of funding earning assets | 0.9890% | 1,773 |
| Net interest margin | 4.3650% | 957 |
| Noninterest income to average assets | 0.4935% | 2,777 |
| Noninterest expense to average assets | 3.0027% | 2,009 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3089% | 1,656 |
| Return on assets (ROA) | 1.3089% | 1,734 |
| Pretax return on assets | 1.3960% | 2,179 |
| Return on Equity (ROE) | 12.2550% | 1,417 |
| Retained earnings to average equity (ytd only) | 4.2865% | 2,813 |
| Net charge-offs to loans | 0.1864% | 1,084 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 9.5285% | 2,653 |
| Efficiency ratio | 68.2638% | 2,422 |
| Assets per employee ($millions) | 4.3260% | 3,469 |
| Cash dividends to net income (ytd only)* | 65.0221% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 2,751 |
| Loan loss allowance to noncurrent loans | 300.4278% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.2882% | 3,275 |
| Noncurrent loans to loans | 0.3793% | 3,076 |
| Net loans and leases to total assets | 75.1170% | 1,566 |
| Net loans and leases to deposits | 84.4149% | 2,291 |
| Net loans and leases to core deposits | 91.4420% | 2,283 |
| Total domestic deposits to total assets | 88.9856% | 677 |
| Equity capital to assets | 10.4923% | 3,453 |
| Core capital (leverage) ratio | 9.6233% | 3,931 |
| Tier 1 risk-based capital ratio | 12.0280% | 4,350 |
| Total risk-based capital ratio | 13.1303% | 4,302 |
| Memoranda: | ||
| Average total assets | $311,252,600 | 2,098 |
| Average earning assets | $278,462,800 | 2,155 |
| Average equity | $33,243,600 | 2,223 |
| Average total loans | $244,640,800 | 1,860 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3970% | 702 |
| Cost of funding earning assets | 0.9590% | 1,944 |
| Net interest margin | 4.4380% | 873 |
| Noninterest income to average assets | 0.5053% | 2,692 |
| Noninterest expense to average assets | 2.9588% | 2,086 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4227% | 1,405 |
| Return on assets (ROA) | 1.4227% | 1,460 |
| Pretax return on assets | 1.5175% | 1,904 |
| Return on Equity (ROE) | 13.2587% | 1,188 |
| Retained earnings to average equity (ytd only) | 5.1930% | 2,800 |
| Net charge-offs to loans | -0.0442% | 4,804 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0992% | 2,715 |
| Assets per employee ($millions) | 4.0971% | 3,763 |
| Cash dividends to net income (ytd only)* | 60.8340% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 1,793 |
| Loan loss allowance to noncurrent loans | 217.8385% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.4933% | 2,551 |
| Noncurrent loans to loans | 0.6160% | 2,434 |
| Net loans and leases to total assets | 79.0048% | 992 |
| Net loans and leases to deposits | 89.0513% | 1,806 |
| Net loans and leases to core deposits | 95.8923% | 2,009 |
| Total domestic deposits to total assets | 88.7183% | 733 |
| Equity capital to assets | 10.8873% | 3,212 |
| Core capital (leverage) ratio | 9.9600% | 3,682 |
| Tier 1 risk-based capital ratio | 11.7777% | 4,534 |
| Total risk-based capital ratio | 13.0280% | 4,425 |
| Memoranda: | ||
| Average total assets | $307,954,000 | 2,136 |
| Average earning assets | $275,553,500 | 2,189 |
| Average equity | $33,044,000 | 2,252 |
| Average total loans | $244,170,000 | 1,867 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3642% | 720 |
| Cost of funding earning assets | 0.9121% | 2,086 |
| Net interest margin | 4.4521% | 847 |
| Noninterest income to average assets | 0.4909% | 2,727 |
| Noninterest expense to average assets | 2.9432% | 2,157 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4354% | 1,334 |
| Return on assets (ROA) | 1.4354% | 1,382 |
| Pretax return on assets | 1.5312% | 1,752 |
| Return on Equity (ROE) | 13.4439% | 1,111 |
| Retained earnings to average equity (ytd only) | 5.2567% | 2,638 |
| Net charge-offs to loans | -0.0825% | 4,963 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7780% | 2,842 |
| Assets per employee ($millions) | 4.2395% | 3,510 |
| Cash dividends to net income (ytd only)* | 60.8992% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3556% | 1,793 |
| Loan loss allowance to noncurrent loans | 256.8702% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.4430% | 2,748 |
| Noncurrent loans to loans | 0.5277% | 2,698 |
| Net loans and leases to total assets | 79.1193% | 1,021 |
| Net loans and leases to deposits | 90.7208% | 1,665 |
| Net loans and leases to core deposits | 97.6822% | 1,909 |
| Total domestic deposits to total assets | 87.2119% | 1,491 |
| Equity capital to assets | 10.7906% | 3,278 |
| Core capital (leverage) ratio | 10.0325% | 3,552 |
| Tier 1 risk-based capital ratio | 11.5562% | 4,657 |
| Total risk-based capital ratio | 12.8065% | 4,550 |
| Memoranda: | ||
| Average total assets | $306,812,000 | 2,141 |
| Average earning assets | $274,523,670 | 2,198 |
| Average equity | $32,758,330 | 2,257 |
| Average total loans | $242,443,000 | 1,885 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3279% | 719 |
| Cost of funding earning assets | 0.8714% | 2,144 |
| Net interest margin | 4.4565% | 807 |
| Noninterest income to average assets | 0.4688% | 2,739 |
| Noninterest expense to average assets | 2.9095% | 2,251 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4469% | 1,245 |
| Return on assets (ROA) | 1.4469% | 1,273 |
| Pretax return on assets | 1.5438% | 1,625 |
| Return on Equity (ROE) | 13.6252% | 1,048 |
| Retained earnings to average equity (ytd only) | 5.2528% | 2,802 |
| Net charge-offs to loans | -0.0250% | 4,578 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3337% | 3,035 |
| Assets per employee ($millions) | 4.1046% | 3,764 |
| Cash dividends to net income (ytd only)* | 61.4480% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3501% | 1,872 |
| Loan loss allowance to noncurrent loans | 234.4532% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.4544% | 2,778 |
| Noncurrent loans to loans | 0.5759% | 2,600 |
| Net loans and leases to total assets | 77.8504% | 1,185 |
| Net loans and leases to deposits | 87.4777% | 1,943 |
| Net loans and leases to core deposits | 93.0310% | 2,208 |
| Total domestic deposits to total assets | 88.9946% | 859 |
| Equity capital to assets | 10.6536% | 3,202 |
| Core capital (leverage) ratio | 9.9501% | 3,657 |
| Tier 1 risk-based capital ratio | 11.6474% | 4,660 |
| Total risk-based capital ratio | 12.8978% | 4,534 |
| Memoranda: | ||
| Average total assets | $305,477,000 | 2,168 |
| Average earning assets | $273,130,500 | 2,217 |
| Average equity | $32,440,000 | 2,277 |
| Average total loans | $239,552,000 | 1,921 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2276% | 666 |
| Cost of funding earning assets | 0.6396% | 2,464 |
| Net interest margin | 4.5879% | 620 |
| Noninterest income to average assets | 0.5123% | 2,764 |
| Noninterest expense to average assets | 3.1349% | 1,716 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3721% | 1,525 |
| Return on assets (ROA) | 1.3721% | 1,513 |
| Pretax return on assets | 1.4639% | 1,896 |
| Return on Equity (ROE) | 12.9907% | 1,355 |
| Retained earnings to average equity (ytd only) | 5.5964% | 2,418 |
| Net charge-offs to loans | 0.0004% | 3,774 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 4,309.0000% | 14 |
| Efficiency ratio | 68.1687% | 2,511 |
| Assets per employee ($millions) | 4.0960% | 3,752 |
| Cash dividends to net income (ytd only)* | 56.9200% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3825% | 1,710 |
| Loan loss allowance to noncurrent loans | 174.2263% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.6183% | 2,192 |
| Noncurrent loans to loans | 0.7935% | 2,021 |
| Net loans and leases to total assets | 76.8371% | 1,464 |
| Net loans and leases to deposits | 86.2129% | 2,243 |
| Net loans and leases to core deposits | 90.4174% | 2,539 |
| Total domestic deposits to total assets | 89.1249% | 810 |
| Equity capital to assets | 10.5847% | 3,095 |
| Core capital (leverage) ratio | 10.0281% | 3,544 |
| Tier 1 risk-based capital ratio | 11.6865% | 4,629 |
| Total risk-based capital ratio | 12.9370% | 4,513 |
| Memoranda: | ||
| Average total assets | $294,359,600 | 2,189 |
| Average earning assets | $262,187,200 | 2,250 |
| Average equity | $31,091,400 | 2,279 |
| Average total loans | $230,664,200 | 1,943 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1770% | 657 |
| Cost of funding earning assets | 0.5863% | 2,575 |
| Net interest margin | 4.5907% | 611 |
| Noninterest income to average assets | 0.4988% | 2,877 |
| Noninterest expense to average assets | 3.1296% | 1,691 |
| Loan and lease loss provision to assets | 0.0456% | 3,077 |
| Net operating income to assets | 1.3266% | 1,757 |
| Return on assets (ROA) | 1.3266% | 1,767 |
| Pretax return on assets | 1.4147% | 2,180 |
| Return on Equity (ROE) | 12.5663% | 1,587 |
| Retained earnings to average equity (ytd only) | 4.9626% | 3,256 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1845% | 2,505 |
| Assets per employee ($millions) | 3.7566% | 4,227 |
| Cash dividends to net income (ytd only)* | 60.5090% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 1,579 |
| Loan loss allowance to noncurrent loans | 144.6498% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.8341% | 1,777 |
| Noncurrent loans to loans | 0.9910% | 1,717 |
| Net loans and leases to total assets | 78.9861% | 1,173 |
| Net loans and leases to deposits | 88.7326% | 2,060 |
| Net loans and leases to core deposits | 92.7924% | 2,408 |
| Total domestic deposits to total assets | 89.0160% | 840 |
| Equity capital to assets | 10.6581% | 2,974 |
| Core capital (leverage) ratio | 10.0622% | 3,572 |
| Tier 1 risk-based capital ratio | 11.3884% | 4,849 |
| Total risk-based capital ratio | 12.6393% | 4,738 |
| Memoranda: | ||
| Average total assets | $292,173,000 | 2,207 |
| Average earning assets | $260,377,000 | 2,271 |
| Average equity | $30,843,500 | 2,292 |
| Average total loans | $229,289,500 | 1,958 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1272% | 627 |
| Cost of funding earning assets | 0.5291% | 2,768 |
| Net interest margin | 4.5981% | 551 |
| Noninterest income to average assets | 0.4906% | 2,910 |
| Noninterest expense to average assets | 3.0532% | 1,899 |
| Loan and lease loss provision to assets | 0.0685% | 2,511 |
| Net operating income to assets | 1.3745% | 1,525 |
| Return on assets (ROA) | 1.3745% | 1,527 |
| Pretax return on assets | 1.4656% | 1,940 |
| Return on Equity (ROE) | 13.0622% | 1,351 |
| Retained earnings to average equity (ytd only) | 5.7106% | 2,719 |
| Net charge-offs to loans | 0.0149% | 2,646 |
| Credit loss provision to net charge-offs | 588.2353% | 634 |
| Earnings coverage of net charge-offs (x) | 131.7059% | 580 |
| Efficiency ratio | 66.5571% | 2,886 |
| Assets per employee ($millions) | 3.7298% | 4,313 |
| Cash dividends to net income (ytd only)* | 56.2812% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4631% | 1,509 |
| Loan loss allowance to noncurrent loans | 322.0192% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.3669% | 3,268 |
| Noncurrent loans to loans | 0.4544% | 3,074 |
| Net loans and leases to total assets | 79.5690% | 1,087 |
| Net loans and leases to deposits | 89.6590% | 1,888 |
| Net loans and leases to core deposits | 92.7010% | 2,337 |
| Total domestic deposits to total assets | 88.7463% | 1,040 |
| Equity capital to assets | 10.9613% | 2,669 |
| Core capital (leverage) ratio | 10.0454% | 3,530 |
| Tier 1 risk-based capital ratio | 11.6888% | 4,695 |
| Total risk-based capital ratio | 12.9401% | 4,570 |
| Memoranda: | ||
| Average total assets | $291,892,000 | 2,220 |
| Average earning assets | $260,063,000 | 2,278 |
| Average equity | $30,714,670 | 2,302 |
| Average total loans | $227,450,000 | 1,969 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9486% | 781 |
| Cost of funding earning assets | 0.4823% | 2,936 |
| Net interest margin | 4.4663% | 660 |
| Noninterest income to average assets | 0.4742% | 2,970 |
| Noninterest expense to average assets | 2.9557% | 2,191 |
| Loan and lease loss provision to assets | 0.1351% | 1,395 |
| Net operating income to assets | 1.2887% | 1,679 |
| Return on assets (ROA) | 1.2887% | 1,682 |
| Pretax return on assets | 1.3738% | 2,087 |
| Return on Equity (ROE) | 12.4965% | 1,410 |
| Retained earnings to average equity (ytd only) | 5.2003% | 3,077 |
| Net charge-offs to loans | 0.2294% | 653 |
| Credit loss provision to net charge-offs | 76.9231% | 1,772 |
| Earnings coverage of net charge-offs (x) | 8.5923% | 2,020 |
| Efficiency ratio | 66.2027% | 3,123 |
| Assets per employee ($millions) | 3.7373% | 4,362 |
| Cash dividends to net income (ytd only)* | 58.3857% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4344% | 1,710 |
| Loan loss allowance to noncurrent loans | 218.3536% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.5218% | 2,784 |
| Noncurrent loans to loans | 0.6569% | 2,579 |
| Net loans and leases to total assets | 78.2858% | 1,197 |
| Net loans and leases to deposits | 88.0121% | 1,928 |
| Net loans and leases to core deposits | 90.4207% | 2,416 |
| Total domestic deposits to total assets | 88.9489% | 1,116 |
| Equity capital to assets | 10.7885% | 2,781 |
| Core capital (leverage) ratio | 9.8817% | 3,674 |
| Tier 1 risk-based capital ratio | 11.6071% | 4,801 |
| Total risk-based capital ratio | 12.8581% | 4,692 |
| Memoranda: | ||
| Average total assets | $296,107,000 | 2,211 |
| Average earning assets | $264,560,000 | 2,272 |
| Average equity | $30,536,500 | 2,334 |
| Average total loans | $226,726,500 | 1,986 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9881% | 663 |
| Cost of funding earning assets | 0.5001% | 2,333 |
| Net interest margin | 4.4880% | 630 |
| Noninterest income to average assets | 0.4837% | 3,105 |
| Noninterest expense to average assets | 2.9227% | 2,379 |
| Loan and lease loss provision to assets | 0.1034% | 2,160 |
| Net operating income to assets | 1.3557% | 1,106 |
| Return on assets (ROA) | 1.3557% | 1,127 |
| Pretax return on assets | 1.4457% | 1,832 |
| Return on Equity (ROE) | 13.1701% | 915 |
| Retained earnings to average equity (ytd only) | 3.7581% | 2,971 |
| Net charge-offs to loans | 0.2329% | 1,113 |
| Credit loss provision to net charge-offs | 57.1429% | 3,246 |
| Earnings coverage of net charge-offs (x) | 8.5581% | 2,896 |
| Efficiency ratio | 65.3585% | 3,371 |
| Assets per employee ($millions) | 4.2216% | 3,622 |
| Cash dividends to net income (ytd only)* | 71.4649% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4333% | 1,642 |
| Loan loss allowance to noncurrent loans | 132.2267% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.8015% | 1,943 |
| Noncurrent loans to loans | 1.0840% | 1,639 |
| Net loans and leases to total assets | 72.8771% | 2,105 |
| Net loans and leases to deposits | 81.2764% | 2,788 |
| Net loans and leases to core deposits | 83.3799% | 3,119 |
| Total domestic deposits to total assets | 89.6657% | 701 |
| Equity capital to assets | 9.8741% | 3,846 |
| Core capital (leverage) ratio | 9.4932% | 4,057 |
| Tier 1 risk-based capital ratio | 11.2420% | 5,019 |
| Total risk-based capital ratio | 12.4928% | 4,896 |
| Memoranda: | ||
| Average total assets | $290,042,400 | 2,216 |
| Average earning assets | $257,731,800 | 2,294 |
| Average equity | $29,855,400 | 2,366 |
| Average total loans | $225,428,400 | 1,963 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9908% | 622 |
| Cost of funding earning assets | 0.4989% | 2,272 |
| Net interest margin | 4.4920% | 609 |
| Noninterest income to average assets | 0.4801% | 3,149 |
| Noninterest expense to average assets | 2.9477% | 2,256 |
| Loan and lease loss provision to assets | 0.0234% | 3,679 |
| Net operating income to assets | 1.4019% | 1,083 |
| Return on assets (ROA) | 1.4019% | 1,107 |
| Pretax return on assets | 1.4953% | 1,782 |
| Return on Equity (ROE) | 13.4713% | 941 |
| Retained earnings to average equity (ytd only) | 4.0432% | 3,512 |
| Net charge-offs to loans | -0.0635% | 5,241 |
| Credit loss provision to net charge-offs | -46.7290% | 4,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9975% | 3,211 |
| Assets per employee ($millions) | 3.7742% | 4,332 |
| Cash dividends to net income (ytd only)* | 69.9865% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5678% | 1,311 |
| Loan loss allowance to noncurrent loans | 120.4756% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.0842% | 1,540 |
| Noncurrent loans to loans | 1.3014% | 1,469 |
| Net loans and leases to total assets | 82.0043% | 686 |
| Net loans and leases to deposits | 92.5195% | 1,491 |
| Net loans and leases to core deposits | 95.7096% | 2,109 |
| Total domestic deposits to total assets | 88.6346% | 1,054 |
| Equity capital to assets | 10.8176% | 3,048 |
| Core capital (leverage) ratio | 9.7855% | 3,839 |
| Tier 1 risk-based capital ratio | 11.0999% | 5,189 |
| Total risk-based capital ratio | 12.3527% | 5,075 |
| Memoranda: | ||
| Average total assets | $285,508,250 | 2,270 |
| Average earning assets | $253,365,000 | 2,348 |
| Average equity | $29,711,750 | 2,393 |
| Average total loans | $224,821,000 | 1,973 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8928% | 704 |
| Cost of funding earning assets | 0.4968% | 2,182 |
| Net interest margin | 4.3959% | 711 |
| Noninterest income to average assets | 0.4840% | 3,121 |
| Noninterest expense to average assets | 2.8980% | 2,431 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3833% | 1,104 |
| Return on assets (ROA) | 1.3833% | 1,127 |
| Pretax return on assets | 1.4751% | 1,738 |
| Return on Equity (ROE) | 13.4644% | 934 |
| Retained earnings to average equity (ytd only) | 4.0413% | 3,307 |
| Net charge-offs to loans | -0.0990% | 5,409 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2691% | 3,308 |
| Assets per employee ($millions) | 3.9534% | 4,032 |
| Cash dividends to net income (ytd only)* | 69.9849% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5851% | 1,300 |
| Loan loss allowance to noncurrent loans | 259.8124% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.4869% | 3,140 |
| Noncurrent loans to loans | 0.6101% | 2,896 |
| Net loans and leases to total assets | 78.5436% | 1,158 |
| Net loans and leases to deposits | 88.2972% | 1,950 |
| Net loans and leases to core deposits | 91.2643% | 2,398 |
| Total domestic deposits to total assets | 88.9537% | 980 |
| Equity capital to assets | 10.5053% | 3,333 |
| Core capital (leverage) ratio | 9.4948% | 4,139 |
| Tier 1 risk-based capital ratio | 11.1188% | 5,193 |
| Total risk-based capital ratio | 12.3717% | 5,080 |
| Memoranda: | ||
| Average total assets | $287,579,670 | 2,256 |
| Average earning assets | $254,417,000 | 2,341 |
| Average equity | $29,544,670 | 2,402 |
| Average total loans | $222,201,000 | 1,993 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7597% | 820 |
| Cost of funding earning assets | 0.4893% | 2,169 |
| Net interest margin | 4.2704% | 848 |
| Noninterest income to average assets | 0.4830% | 3,088 |
| Noninterest expense to average assets | 2.8660% | 2,560 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3105% | 1,209 |
| Return on assets (ROA) | 1.3105% | 1,242 |
| Pretax return on assets | 1.3977% | 1,902 |
| Return on Equity (ROE) | 12.8995% | 1,021 |
| Retained earnings to average equity (ytd only) | 3.8685% | 3,519 |
| Net charge-offs to loans | -0.0710% | 5,329 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2184% | 3,313 |
| Assets per employee ($millions) | 3.9742% | 4,060 |
| Cash dividends to net income (ytd only)* | 70.0106% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5939% | 1,402 |
| Loan loss allowance to noncurrent loans | 180.0102% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.6759% | 2,600 |
| Noncurrent loans to loans | 0.8855% | 2,259 |
| Net loans and leases to total assets | 75.1206% | 1,555 |
| Net loans and leases to deposits | 84.0947% | 2,272 |
| Net loans and leases to core deposits | 87.1463% | 2,627 |
| Total domestic deposits to total assets | 89.3285% | 989 |
| Equity capital to assets | 10.1713% | 3,543 |
| Core capital (leverage) ratio | 9.4169% | 4,213 |
| Tier 1 risk-based capital ratio | 11.1554% | 5,227 |
| Total risk-based capital ratio | 12.4084% | 5,122 |
| Memoranda: | ||
| Average total assets | $289,046,000 | 2,263 |
| Average earning assets | $255,900,500 | 2,346 |
| Average equity | $29,365,500 | 2,422 |
| Average total loans | $219,715,000 | 2,027 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9750% | 624 |
| Cost of funding earning assets | 0.5475% | 1,714 |
| Net interest margin | 4.4275% | 727 |
| Noninterest income to average assets | 0.4430% | 3,592 |
| Noninterest expense to average assets | 2.8227% | 2,951 |
| Loan and lease loss provision to assets | 0.0422% | 3,541 |
| Net operating income to assets | 1.3901% | 1,026 |
| Return on assets (ROA) | 1.3927% | 1,054 |
| Pretax return on assets | 1.4852% | 1,637 |
| Return on Equity (ROE) | 13.6605% | 831 |
| Retained earnings to average equity (ytd only) | 3.9523% | 3,108 |
| Net charge-offs to loans | 0.1258% | 1,989 |
| Credit loss provision to net charge-offs | 42.5532% | 3,470 |
| Earnings coverage of net charge-offs (x) | 15.3759% | 2,206 |
| Efficiency ratio | 64.9304% | 3,775 |
| Assets per employee ($millions) | 4.1139% | 3,759 |
| Cash dividends to net income (ytd only)* | 71.0679% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6017% | 1,370 |
| Loan loss allowance to noncurrent loans | 234.1382% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.5903% | 2,962 |
| Noncurrent loans to loans | 0.6841% | 2,822 |
| Net loans and leases to total assets | 74.4757% | 1,771 |
| Net loans and leases to deposits | 83.4208% | 2,486 |
| Net loans and leases to core deposits | 86.4680% | 2,814 |
| Total domestic deposits to total assets | 89.2771% | 967 |
| Equity capital to assets | 10.1475% | 3,553 |
| Core capital (leverage) ratio | 9.2460% | 4,415 |
| Tier 1 risk-based capital ratio | 11.3345% | 5,151 |
| Total risk-based capital ratio | 12.5874% | 5,047 |
| Memoranda: | ||
| Average total assets | $284,408,000 | 2,254 |
| Average earning assets | $250,795,800 | 2,350 |
| Average equity | $28,996,000 | 2,450 |
| Average total loans | $224,189,200 | 1,952 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0184% | 582 |
| Cost of funding earning assets | 0.5558% | 1,640 |
| Net interest margin | 4.4626% | 686 |
| Noninterest income to average assets | 0.4312% | 3,686 |
| Noninterest expense to average assets | 2.8226% | 2,926 |
| Loan and lease loss provision to assets | 0.0564% | 3,113 |
| Net operating income to assets | 1.3946% | 1,079 |
| Return on assets (ROA) | 1.3981% | 1,126 |
| Pretax return on assets | 1.4908% | 1,739 |
| Return on Equity (ROE) | 13.6972% | 880 |
| Retained earnings to average equity (ytd only) | 3.9115% | 3,516 |
| Net charge-offs to loans | 0.0195% | 3,312 |
| Credit loss provision to net charge-offs | 363.6364% | 904 |
| Earnings coverage of net charge-offs (x) | 99.4520% | 664 |
| Efficiency ratio | 64.6489% | 3,829 |
| Assets per employee ($millions) | 4.1679% | 3,659 |
| Cash dividends to net income (ytd only)* | 71.4430% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6956% | 1,231 |
| Loan loss allowance to noncurrent loans | 306.3063% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.7549% | 2,664 |
| Noncurrent loans to loans | 0.5536% | 3,335 |
| Net loans and leases to total assets | 75.3974% | 1,637 |
| Net loans and leases to deposits | 84.5182% | 2,426 |
| Net loans and leases to core deposits | 87.4987% | 2,807 |
| Total domestic deposits to total assets | 89.2085% | 797 |
| Equity capital to assets | 10.2233% | 3,886 |
| Core capital (leverage) ratio | 9.2780% | 4,487 |
| Tier 1 risk-based capital ratio | 11.1855% | 5,265 |
| Total risk-based capital ratio | 12.4398% | 5,169 |
| Memoranda: | ||
| Average total assets | $283,516,750 | 2,268 |
| Average earning assets | $249,981,750 | 2,373 |
| Average equity | $28,939,500 | 2,463 |
| Average total loans | $225,746,250 | 1,941 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0591% | 525 |
| Cost of funding earning assets | 0.5645% | 1,582 |
| Net interest margin | 4.4946% | 627 |
| Noninterest income to average assets | 0.4366% | 3,626 |
| Noninterest expense to average assets | 2.8254% | 2,938 |
| Loan and lease loss provision to assets | 0.0851% | 2,447 |
| Net operating income to assets | 1.4003% | 1,056 |
| Return on assets (ROA) | 1.4056% | 1,110 |
| Pretax return on assets | 1.4992% | 1,673 |
| Return on Equity (ROE) | 13.7777% | 872 |
| Retained earnings to average equity (ytd only) | 3.8283% | 3,452 |
| Net charge-offs to loans | 0.0334% | 2,783 |
| Credit loss provision to net charge-offs | 315.7895% | 928 |
| Earnings coverage of net charge-offs (x) | 58.6053% | 900 |
| Efficiency ratio | 64.1558% | 3,992 |
| Assets per employee ($millions) | 4.2371% | 3,486 |
| Cash dividends to net income (ytd only)* | 72.2138% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6434% | 1,420 |
| Loan loss allowance to noncurrent loans | 334.0787% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.7369% | 2,771 |
| Noncurrent loans to loans | 0.4919% | 3,607 |
| Net loans and leases to total assets | 78.7430% | 1,105 |
| Net loans and leases to deposits | 90.4219% | 1,702 |
| Net loans and leases to core deposits | 94.0908% | 2,157 |
| Total domestic deposits to total assets | 87.0839% | 1,875 |
| Equity capital to assets | 10.2710% | 3,895 |
| Core capital (leverage) ratio | 9.2366% | 4,534 |
| Tier 1 risk-based capital ratio | 10.6104% | 5,623 |
| Total risk-based capital ratio | 11.8638% | 5,539 |
| Memoranda: | ||
| Average total assets | $282,159,670 | 2,290 |
| Average earning assets | $249,056,330 | 2,389 |
| Average equity | $28,785,670 | 2,472 |
| Average total loans | $227,470,330 | 1,935 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0020% | 578 |
| Cost of funding earning assets | 0.5773% | 1,496 |
| Net interest margin | 4.4247% | 701 |
| Noninterest income to average assets | 0.4309% | 3,610 |
| Noninterest expense to average assets | 2.8354% | 2,934 |
| Loan and lease loss provision to assets | 0.1706% | 1,206 |
| Net operating income to assets | 1.2449% | 1,420 |
| Return on assets (ROA) | 1.2556% | 1,487 |
| Pretax return on assets | 1.3381% | 2,142 |
| Return on Equity (ROE) | 12.3499% | 1,202 |
| Retained earnings to average equity (ytd only) | 3.0910% | 3,969 |
| Net charge-offs to loans | 0.0580% | 1,934 |
| Credit loss provision to net charge-offs | 363.6364% | 755 |
| Earnings coverage of net charge-offs (x) | 31.9091% | 1,147 |
| Efficiency ratio | 65.4414% | 3,893 |
| Assets per employee ($millions) | 4.0466% | 3,868 |
| Cash dividends to net income (ytd only)* | 74.9717% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6217% | 1,545 |
| Loan loss allowance to noncurrent loans | 178.3500% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 1.2430% | 1,753 |
| Noncurrent loans to loans | 0.9093% | 2,576 |
| Net loans and leases to total assets | 80.0986% | 796 |
| Net loans and leases to deposits | 91.8059% | 1,372 |
| Net loans and leases to core deposits | 95.3936% | 1,855 |
| Total domestic deposits to total assets | 87.2478% | 2,077 |
| Equity capital to assets | 10.1507% | 3,896 |
| Core capital (leverage) ratio | 9.1816% | 4,620 |
| Tier 1 risk-based capital ratio | 10.3416% | 5,810 |
| Total risk-based capital ratio | 11.5949% | 5,735 |
| Memoranda: | ||
| Average total assets | $281,296,000 | 2,306 |
| Average earning assets | $248,061,500 | 2,404 |
| Average equity | $28,599,500 | 2,470 |
| Average total loans | $227,567,500 | 1,934 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9678% | 669 |
| Cost of funding earning assets | 0.5824% | 1,480 |
| Net interest margin | 4.3854% | 818 |
| Noninterest income to average assets | 0.5378% | 3,090 |
| Noninterest expense to average assets | 2.7757% | 3,329 |
| Loan and lease loss provision to assets | 0.4046% | 333 |
| Net operating income to assets | 1.1306% | 1,806 |
| Return on assets (ROA) | 1.1306% | 1,863 |
| Pretax return on assets | 1.2064% | 2,636 |
| Return on Equity (ROE) | 11.0339% | 1,601 |
| Retained earnings to average equity (ytd only) | 2.7728% | 4,101 |
| Net charge-offs to loans | 0.4798% | 560 |
| Credit loss provision to net charge-offs | 106.0461% | 2,370 |
| Earnings coverage of net charge-offs (x) | 4.2226% | 3,591 |
| Efficiency ratio | 63.0081% | 4,439 |
| Assets per employee ($millions) | 4.1078% | 3,742 |
| Cash dividends to net income (ytd only)* | 74.8705% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6271% | 1,536 |
| Loan loss allowance to noncurrent loans | 259.4460% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.9759% | 2,246 |
| Noncurrent loans to loans | 0.6272% | 3,303 |
| Net loans and leases to total assets | 79.0653% | 979 |
| Net loans and leases to deposits | 90.8475% | 1,524 |
| Net loans and leases to core deposits | 94.5687% | 1,994 |
| Total domestic deposits to total assets | 87.0308% | 2,113 |
| Equity capital to assets | 10.1837% | 3,770 |
| Core capital (leverage) ratio | 9.2328% | 4,573 |
| Tier 1 risk-based capital ratio | 10.4632% | 5,792 |
| Total risk-based capital ratio | 11.7167% | 5,709 |
| Memoranda: | ||
| Average total assets | $273,124,800 | 2,316 |
| Average earning assets | $239,705,800 | 2,432 |
| Average equity | $27,986,600 | 2,462 |
| Average total loans | $217,193,200 | 1,942 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9506% | 686 |
| Cost of funding earning assets | 0.5854% | 1,500 |
| Net interest margin | 4.3653% | 850 |
| Noninterest income to average assets | 0.5283% | 3,180 |
| Noninterest expense to average assets | 2.8092% | 3,151 |
| Loan and lease loss provision to assets | 0.4836% | 213 |
| Net operating income to assets | 0.9957% | 2,491 |
| Return on assets (ROA) | 0.9957% | 2,581 |
| Pretax return on assets | 1.0614% | 3,368 |
| Return on Equity (ROE) | 9.7013% | 2,219 |
| Retained earnings to average equity (ytd only) | 2.4301% | 4,658 |
| Net charge-offs to loans | 0.6544% | 339 |
| Credit loss provision to net charge-offs | 93.1883% | 2,423 |
| Earnings coverage of net charge-offs (x) | 2.9773% | 3,570 |
| Efficiency ratio | 64.1560% | 4,219 |
| Assets per employee ($millions) | 3.9100% | 4,062 |
| Cash dividends to net income (ytd only)* | 74.9509% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5925% | 1,813 |
| Loan loss allowance to noncurrent loans | 225.0800% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 1.0716% | 2,220 |
| Noncurrent loans to loans | 0.7075% | 3,211 |
| Net loans and leases to total assets | 79.4300% | 892 |
| Net loans and leases to deposits | 91.3219% | 1,484 |
| Net loans and leases to core deposits | 95.2097% | 1,962 |
| Total domestic deposits to total assets | 86.9780% | 2,053 |
| Equity capital to assets | 10.2858% | 3,833 |
| Core capital (leverage) ratio | 9.4086% | 4,425 |
| Tier 1 risk-based capital ratio | 10.5397% | 5,865 |
| Total risk-based capital ratio | 11.7927% | 5,795 |
| Memoranda: | ||
| Average total assets | $271,573,500 | 2,342 |
| Average earning assets | $238,023,750 | 2,459 |
| Average equity | $27,871,750 | 2,475 |
| Average total loans | $215,365,000 | 1,961 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9371% | 674 |
| Cost of funding earning assets | 0.5974% | 1,433 |
| Net interest margin | 4.3397% | 855 |
| Noninterest income to average assets | 0.4799% | 3,502 |
| Noninterest expense to average assets | 2.8051% | 3,217 |
| Loan and lease loss provision to assets | 0.5095% | 190 |
| Net operating income to assets | 0.9030% | 2,865 |
| Return on assets (ROA) | 0.9030% | 2,984 |
| Pretax return on assets | 0.9628% | 3,727 |
| Return on Equity (ROE) | 8.8054% | 2,651 |
| Retained earnings to average equity (ytd only) | 2.2032% | 4,613 |
| Net charge-offs to loans | 0.4346% | 589 |
| Credit loss provision to net charge-offs | 148.7069% | 1,544 |
| Earnings coverage of net charge-offs (x) | 4.2974% | 3,062 |
| Efficiency ratio | 65.0268% | 4,187 |
| Assets per employee ($millions) | 3.9453% | 3,990 |
| Cash dividends to net income (ytd only)* | 74.9796% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7766% | 1,418 |
| Loan loss allowance to noncurrent loans | 311.4286% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 1.2431% | 2,028 |
| Noncurrent loans to loans | 0.5705% | 3,740 |
| Net loans and leases to total assets | 78.6199% | 993 |
| Net loans and leases to deposits | 90.5166% | 1,534 |
| Net loans and leases to core deposits | 94.4483% | 1,913 |
| Total domestic deposits to total assets | 86.8569% | 2,241 |
| Equity capital to assets | 10.3892% | 3,573 |
| Core capital (leverage) ratio | 9.2833% | 4,574 |
| Tier 1 risk-based capital ratio | 10.1319% | 6,047 |
| Total risk-based capital ratio | 11.3856% | 5,991 |
| Memoranda: | ||
| Average total assets | $270,865,000 | 2,363 |
| Average earning assets | $237,020,330 | 2,488 |
| Average equity | $27,778,330 | 2,500 |
| Average total loans | $213,514,330 | 1,983 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8723% | 744 |
| Cost of funding earning assets | 0.5986% | 1,447 |
| Net interest margin | 4.2737% | 933 |
| Noninterest income to average assets | 0.4365% | 3,717 |
| Noninterest expense to average assets | 2.7984% | 3,256 |
| Loan and lease loss provision to assets | 0.5805% | 163 |
| Net operating income to assets | 0.7525% | 3,525 |
| Return on assets (ROA) | 0.7525% | 3,660 |
| Pretax return on assets | 0.8039% | 4,223 |
| Return on Equity (ROE) | 7.3851% | 3,283 |
| Retained earnings to average equity (ytd only) | 1.8463% | 4,731 |
| Net charge-offs to loans | 0.2461% | 971 |
| Credit loss provision to net charge-offs | 301.5267% | 798 |
| Earnings coverage of net charge-offs (x) | 7.1908% | 2,201 |
| Efficiency ratio | 65.7765% | 4,196 |
| Assets per employee ($millions) | 4.1055% | 3,752 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8060% | 1,491 |
| Loan loss allowance to noncurrent loans | 374.1748% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 1.3037% | 2,039 |
| Noncurrent loans to loans | 0.4827% | 4,126 |
| Net loans and leases to total assets | 76.1794% | 1,183 |
| Net loans and leases to deposits | 87.2381% | 1,702 |
| Net loans and leases to core deposits | 91.9428% | 1,950 |
| Total domestic deposits to total assets | 87.3235% | 2,203 |
| Equity capital to assets | 10.1236% | 3,981 |
| Core capital (leverage) ratio | 9.2152% | 4,689 |
| Tier 1 risk-based capital ratio | 9.8446% | 6,204 |
| Total risk-based capital ratio | 11.0984% | 6,168 |
| Memoranda: | ||
| Average total assets | $272,158,500 | 2,368 |
| Average earning assets | $238,573,500 | 2,483 |
| Average equity | $27,731,500 | 2,519 |
| Average total loans | $212,904,000 | 1,995 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0578% | 695 |
| Cost of funding earning assets | 0.5776% | 1,978 |
| Net interest margin | 4.4802% | 776 |
| Noninterest income to average assets | 0.3508% | 4,598 |
| Noninterest expense to average assets | 2.9890% | 2,875 |
| Loan and lease loss provision to assets | 0.3139% | 646 |
| Net operating income to assets | 0.9239% | 2,756 |
| Return on assets (ROA) | 0.9239% | 2,852 |
| Pretax return on assets | 0.9402% | 3,735 |
| Return on Equity (ROE) | 8.4645% | 2,863 |
| Retained earnings to average equity (ytd only) | -5.1020% | 6,183 |
| Net charge-offs to loans | 0.4992% | 824 |
| Credit loss provision to net charge-offs | 79.2793% | 2,882 |
| Earnings coverage of net charge-offs (x) | 3.1672% | 3,958 |
| Efficiency ratio | 68.6595% | 3,779 |
| Assets per employee ($millions) | 4.0795% | 3,759 |
| Cash dividends to net income (ytd only)* | 160.2746% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6901% | 1,798 |
| Loan loss allowance to noncurrent loans | 178.2522% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 1.2955% | 2,176 |
| Noncurrent loans to loans | 0.9482% | 2,956 |
| Net loans and leases to total assets | 77.5560% | 1,065 |
| Net loans and leases to deposits | 89.0778% | 1,610 |
| Net loans and leases to core deposits | 93.8478% | 1,935 |
| Total domestic deposits to total assets | 87.0655% | 2,242 |
| Equity capital to assets | 10.2567% | 3,782 |
| Core capital (leverage) ratio | 9.3529% | 4,462 |
| Tier 1 risk-based capital ratio | 10.1299% | 6,224 |
| Total risk-based capital ratio | 11.3828% | 6,171 |
| Memoranda: | ||
| Average total assets | $252,292,400 | 2,499 |
| Average earning assets | $219,185,600 | 2,632 |
| Average equity | $27,538,400 | 2,443 |
| Average total loans | $200,107,600 | 2,034 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0504% | 706 |
| Cost of funding earning assets | 0.5729% | 2,082 |
| Net interest margin | 4.4774% | 777 |
| Noninterest income to average assets | 0.3806% | 4,397 |
| Noninterest expense to average assets | 3.0369% | 2,683 |
| Loan and lease loss provision to assets | 0.2994% | 658 |
| Net operating income to assets | 0.9224% | 2,811 |
| Return on assets (ROA) | 0.9224% | 2,906 |
| Pretax return on assets | 0.9256% | 3,881 |
| Return on Equity (ROE) | 8.3140% | 3,029 |
| Retained earnings to average equity (ytd only) | -7.5776% | 6,335 |
| Net charge-offs to loans | 0.5813% | 639 |
| Credit loss provision to net charge-offs | 64.8428% | 2,857 |
| Earnings coverage of net charge-offs (x) | 2.6531% | 3,856 |
| Efficiency ratio | 69.4539% | 3,596 |
| Assets per employee ($millions) | 3.9904% | 3,914 |
| Cash dividends to net income (ytd only)* | 191.1423% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6837% | 2,021 |
| Loan loss allowance to noncurrent loans | 181.6528% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 1.3656% | 2,264 |
| Noncurrent loans to loans | 0.9269% | 3,248 |
| Net loans and leases to total assets | 78.6833% | 871 |
| Net loans and leases to deposits | 94.1308% | 1,030 |
| Net loans and leases to core deposits | 99.6193% | 1,404 |
| Total domestic deposits to total assets | 83.5893% | 3,923 |
| Equity capital to assets | 10.5689% | 3,470 |
| Core capital (leverage) ratio | 9.6422% | 4,166 |
| Tier 1 risk-based capital ratio | 10.3842% | 6,244 |
| Total risk-based capital ratio | 11.6172% | 6,207 |
| Memoranda: | ||
| Average total assets | $248,053,500 | 2,557 |
| Average earning assets | $215,028,000 | 2,676 |
| Average equity | $27,519,000 | 2,447 |
| Average total loans | $197,032,500 | 2,075 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0291% | 713 |
| Cost of funding earning assets | 0.5880% | 1,998 |
| Net interest margin | 4.4411% | 791 |
| Noninterest income to average assets | 0.3291% | 4,784 |
| Noninterest expense to average assets | 3.0318% | 2,723 |
| Loan and lease loss provision to assets | 0.1433% | 1,729 |
| Net operating income to assets | 1.0160% | 2,263 |
| Return on assets (ROA) | 1.0160% | 2,329 |
| Pretax return on assets | 0.9939% | 3,501 |
| Return on Equity (ROE) | 9.0077% | 2,596 |
| Retained earnings to average equity (ytd only) | -12.2231% | 6,459 |
| Net charge-offs to loans | 0.8382% | 447 |
| Credit loss provision to net charge-offs | 21.5783% | 3,182 |
| Earnings coverage of net charge-offs (x) | 1.7127% | 3,732 |
| Efficiency ratio | 70.8562% | 3,520 |
| Assets per employee ($millions) | 3.9989% | 3,837 |
| Cash dividends to net income (ytd only)* | 235.6970% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 2,483 |
| Loan loss allowance to noncurrent loans | 243.3410% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 1.1765% | 2,726 |
| Noncurrent loans to loans | 0.6554% | 4,066 |
| Net loans and leases to total assets | 78.6687% | 832 |
| Net loans and leases to deposits | 95.3467% | 854 |
| Net loans and leases to core deposits | 99.2616% | 1,338 |
| Total domestic deposits to total assets | 82.5080% | 4,471 |
| Equity capital to assets | 10.9389% | 2,937 |
| Core capital (leverage) ratio | 9.8789% | 3,773 |
| Tier 1 risk-based capital ratio | 10.6997% | 6,174 |
| Total risk-based capital ratio | 11.9301% | 6,131 |
| Memoranda: | ||
| Average total assets | $244,280,000 | 2,599 |
| Average earning assets | $211,211,000 | 2,726 |
| Average equity | $27,554,330 | 2,437 |
| Average total loans | $193,517,000 | 2,101 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0459% | 663 |
| Cost of funding earning assets | 0.6083% | 1,909 |
| Net interest margin | 4.4377% | 743 |
| Noninterest income to average assets | 0.5312% | 3,183 |
| Noninterest expense to average assets | 3.0307% | 2,765 |
| Loan and lease loss provision to assets | 0.1650% | 1,471 |
| Net operating income to assets | 1.0872% | 1,864 |
| Return on assets (ROA) | 1.0872% | 1,927 |
| Pretax return on assets | 1.1631% | 2,646 |
| Return on Equity (ROE) | 9.4919% | 2,251 |
| Retained earnings to average equity (ytd only) | -26.3440% | 6,599 |
| Net charge-offs to loans | -0.0607% | 5,895 |
| Credit loss provision to net charge-offs | -344.8276% | 5,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7139% | 4,221 |
| Assets per employee ($millions) | 3.9552% | 4,034 |
| Cash dividends to net income (ytd only)* | 377.5417% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0349% | 1,452 |
| Loan loss allowance to noncurrent loans | 65.4879% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 3.3419% | 790 |
| Noncurrent loans to loans | 3.1072% | 1,007 |
| Net loans and leases to total assets | 78.3414% | 728 |
| Net loans and leases to deposits | 88.8118% | 1,275 |
| Net loans and leases to core deposits | 92.1947% | 1,713 |
| Total domestic deposits to total assets | 88.2106% | 2,104 |
| Equity capital to assets | 11.1408% | 2,581 |
| Core capital (leverage) ratio | 9.9992% | 3,575 |
| Tier 1 risk-based capital ratio | 10.9578% | 6,169 |
| Total risk-based capital ratio | 12.2148% | 6,121 |
| Memoranda: | ||
| Average total assets | $242,454,500 | 2,622 |
| Average earning assets | $209,119,000 | 2,758 |
| Average equity | $27,771,000 | 2,421 |
| Average total loans | $191,173,000 | 2,125 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0622% | 814 |
| Cost of funding earning assets | 0.7538% | 1,474 |
| Net interest margin | 4.3084% | 1,089 |
| Noninterest income to average assets | 0.4278% | 4,249 |
| Noninterest expense to average assets | 2.9223% | 3,306 |
| Loan and lease loss provision to assets | 0.0910% | 3,292 |
| Net operating income to assets | 1.1013% | 1,933 |
| Return on assets (ROA) | 1.1013% | 1,996 |
| Pretax return on assets | 1.1789% | 2,659 |
| Return on Equity (ROE) | 9.5690% | 2,295 |
| Retained earnings to average equity (ytd only) | 2.6663% | 4,349 |
| Net charge-offs to loans | 0.0021% | 5,439 |
| Credit loss provision to net charge-offs | 5,625.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 785.2500% | 48 |
| Efficiency ratio | 67.8658% | 4,219 |
| Assets per employee ($millions) | 3.8069% | 4,246 |
| Cash dividends to net income (ytd only)* | 72.1366% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0047% | 1,539 |
| Loan loss allowance to noncurrent loans | 58.3795% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 3.7001% | 760 |
| Noncurrent loans to loans | 3.4339% | 929 |
| Net loans and leases to total assets | 76.1819% | 1,045 |
| Net loans and leases to deposits | 86.7272% | 1,606 |
| Net loans and leases to core deposits | 89.5646% | 2,076 |
| Total domestic deposits to total assets | 87.8408% | 2,276 |
| Equity capital to assets | 11.7644% | 1,973 |
| Core capital (leverage) ratio | 10.6568% | 2,725 |
| Tier 1 risk-based capital ratio | 11.9465% | 5,644 |
| Total risk-based capital ratio | 13.2029% | 5,582 |
| Memoranda: | ||
| Average total assets | $247,340,200 | 2,554 |
| Average earning assets | $216,113,200 | 2,660 |
| Average equity | $28,466,800 | 2,343 |
| Average total loans | $188,761,800 | 2,112 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0339% | 870 |
| Cost of funding earning assets | 0.7827% | 1,416 |
| Net interest margin | 4.2512% | 1,205 |
| Noninterest income to average assets | 0.4592% | 4,087 |
| Noninterest expense to average assets | 2.9060% | 3,289 |
| Loan and lease loss provision to assets | 0.0940% | 3,196 |
| Net operating income to assets | 1.1085% | 1,977 |
| Return on assets (ROA) | 1.1085% | 2,046 |
| Pretax return on assets | 1.1869% | 2,757 |
| Return on Equity (ROE) | 9.6838% | 2,311 |
| Retained earnings to average equity (ytd only) | 3.0919% | 4,467 |
| Net charge-offs to loans | 0.0163% | 4,803 |
| Credit loss provision to net charge-offs | 760.8696% | 378 |
| Earnings coverage of net charge-offs (x) | 103.6818% | 485 |
| Efficiency ratio | 67.5731% | 4,177 |
| Assets per employee ($millions) | 3.7735% | 4,294 |
| Cash dividends to net income (ytd only)* | 68.0719% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9667% | 1,805 |
| Loan loss allowance to noncurrent loans | 148.3486% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 2.1979% | 1,810 |
| Noncurrent loans to loans | 1.3257% | 3,204 |
| Net loans and leases to total assets | 75.7619% | 1,039 |
| Net loans and leases to deposits | 86.3397% | 1,576 |
| Net loans and leases to core deposits | 89.0595% | 2,071 |
| Total domestic deposits to total assets | 87.7486% | 2,274 |
| Equity capital to assets | 11.7128% | 2,116 |
| Core capital (leverage) ratio | 10.5708% | 2,926 |
| Tier 1 risk-based capital ratio | 11.9453% | 5,808 |
| Total risk-based capital ratio | 13.2014% | 5,742 |
| Memoranda: | ||
| Average total assets | $248,264,750 | 2,563 |
| Average earning assets | $217,691,500 | 2,659 |
| Average equity | $28,417,750 | 2,377 |
| Average total loans | $188,600,250 | 2,116 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9917% | 921 |
| Cost of funding earning assets | 0.8134% | 1,345 |
| Net interest margin | 4.1783% | 1,337 |
| Noninterest income to average assets | 0.4614% | 4,082 |
| Noninterest expense to average assets | 2.8974% | 3,344 |
| Loan and lease loss provision to assets | 0.1003% | 3,118 |
| Net operating income to assets | 1.0575% | 2,087 |
| Return on assets (ROA) | 1.0575% | 2,201 |
| Pretax return on assets | 1.1322% | 2,963 |
| Return on Equity (ROE) | 9.3099% | 2,486 |
| Retained earnings to average equity (ytd only) | 2.9173% | 4,455 |
| Net charge-offs to loans | 0.0276% | 4,308 |
| Credit loss provision to net charge-offs | 480.7692% | 571 |
| Earnings coverage of net charge-offs (x) | 59.0769% | 712 |
| Efficiency ratio | 68.3116% | 4,124 |
| Assets per employee ($millions) | 4.1839% | 3,392 |
| Cash dividends to net income (ytd only)* | 68.6646% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9250% | 2,038 |
| Loan loss allowance to noncurrent loans | 134.4184% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 2.3209% | 1,862 |
| Noncurrent loans to loans | 1.4321% | 3,151 |
| Net loans and leases to total assets | 77.1581% | 846 |
| Net loans and leases to deposits | 87.9275% | 1,344 |
| Net loans and leases to core deposits | 90.8459% | 1,826 |
| Total domestic deposits to total assets | 87.7520% | 2,413 |
| Equity capital to assets | 11.7490% | 2,088 |
| Core capital (leverage) ratio | 10.1766% | 3,267 |
| Tier 1 risk-based capital ratio | 11.7080% | 5,991 |
| Total risk-based capital ratio | 12.9638% | 5,942 |
| Memoranda: | ||
| Average total assets | $249,260,000 | 2,559 |
| Average earning assets | $218,845,000 | 2,651 |
| Average equity | $28,314,000 | 2,405 |
| Average total loans | $188,281,670 | 2,119 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9034% | 1,076 |
| Cost of funding earning assets | 0.8525% | 1,240 |
| Net interest margin | 4.0509% | 1,611 |
| Noninterest income to average assets | 0.4926% | 3,821 |
| Noninterest expense to average assets | 2.8445% | 3,562 |
| Loan and lease loss provision to assets | 0.1188% | 2,746 |
| Net operating income to assets | 1.0311% | 2,105 |
| Return on assets (ROA) | 1.0311% | 2,218 |
| Pretax return on assets | 1.1039% | 2,938 |
| Return on Equity (ROE) | 9.2290% | 2,387 |
| Retained earnings to average equity (ytd only) | 3.3173% | 4,261 |
| Net charge-offs to loans | 0.0235% | 3,707 |
| Credit loss provision to net charge-offs | 681.8182% | 410 |
| Earnings coverage of net charge-offs (x) | 70.1818% | 511 |
| Efficiency ratio | 68.0685% | 4,292 |
| Assets per employee ($millions) | 4.5126% | 2,946 |
| Cash dividends to net income (ytd only)* | 64.0553% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9655% | 2,133 |
| Loan loss allowance to noncurrent loans | 124.2745% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 2.4193% | 1,919 |
| Noncurrent loans to loans | 1.5816% | 3,159 |
| Net loans and leases to total assets | 70.5822% | 1,567 |
| Net loans and leases to deposits | 79.7566% | 2,108 |
| Net loans and leases to core deposits | 82.2100% | 2,543 |
| Total domestic deposits to total assets | 88.4969% | 2,011 |
| Equity capital to assets | 11.0397% | 2,913 |
| Core capital (leverage) ratio | 9.7333% | 3,749 |
| Tier 1 risk-based capital ratio | 12.0052% | 5,909 |
| Total risk-based capital ratio | 13.2613% | 5,866 |
| Memoranda: | ||
| Average total assets | $252,556,000 | 2,558 |
| Average earning assets | $222,864,500 | 2,638 |
| Average equity | $28,215,500 | 2,426 |
| Average total loans | $186,966,000 | 2,152 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3035% | 922 |
| Cost of funding earning assets | 0.9367% | 1,724 |
| Net interest margin | 4.3668% | 1,236 |
| Noninterest income to average assets | 0.5433% | 3,627 |
| Noninterest expense to average assets | 2.9867% | 3,325 |
| Loan and lease loss provision to assets | 0.2218% | 2,915 |
| Net operating income to assets | 1.0857% | 1,991 |
| Return on assets (ROA) | 1.0857% | 2,176 |
| Pretax return on assets | 1.1552% | 2,968 |
| Return on Equity (ROE) | 9.7678% | 2,280 |
| Retained earnings to average equity (ytd only) | 6.0437% | 2,054 |
| Net charge-offs to loans | 0.5066% | 2,217 |
| Credit loss provision to net charge-offs | 57.2973% | 4,516 |
| Earnings coverage of net charge-offs (x) | 3.5568% | 3,684 |
| Efficiency ratio | 66.6123% | 4,393 |
| Assets per employee ($millions) | 4.4267% | 3,099 |
| Cash dividends to net income (ytd only)* | 38.1264% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8946% | 2,307 |
| Loan loss allowance to noncurrent loans | 132.6902% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 2.5632% | 1,898 |
| Noncurrent loans to loans | 1.4279% | 3,455 |
| Net loans and leases to total assets | 74.6956% | 1,093 |
| Net loans and leases to deposits | 84.7112% | 1,672 |
| Net loans and leases to core deposits | 87.5609% | 2,139 |
| Total domestic deposits to total assets | 88.1768% | 2,113 |
| Equity capital to assets | 11.3093% | 2,623 |
| Core capital (leverage) ratio | 10.5175% | 2,745 |
| Tier 1 risk-based capital ratio | 11.5531% | 6,059 |
| Total risk-based capital ratio | 12.8084% | 6,021 |
| Memoranda: | ||
| Average total assets | $238,929,600 | 2,647 |
| Average earning assets | $209,033,200 | 2,748 |
| Average equity | $26,556,600 | 2,518 |
| Average total loans | $182,583,400 | 2,171 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3438% | 934 |
| Cost of funding earning assets | 0.9656% | 1,758 |
| Net interest margin | 4.3782% | 1,251 |
| Noninterest income to average assets | 0.5988% | 3,281 |
| Noninterest expense to average assets | 3.0312% | 3,122 |
| Loan and lease loss provision to assets | 0.2084% | 2,990 |
| Net operating income to assets | 1.1142% | 2,041 |
| Return on assets (ROA) | 1.1142% | 2,236 |
| Pretax return on assets | 1.1931% | 3,009 |
| Return on Equity (ROE) | 10.0709% | 2,318 |
| Retained earnings to average equity (ytd only) | 7.3164% | 1,934 |
| Net charge-offs to loans | 0.3248% | 2,829 |
| Credit loss provision to net charge-offs | 83.9002% | 3,501 |
| Earnings coverage of net charge-offs (x) | 5.6417% | 2,967 |
| Efficiency ratio | 66.5650% | 4,340 |
| Assets per employee ($millions) | 4.0978% | 3,683 |
| Cash dividends to net income (ytd only)* | 27.3510% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1291% | 1,850 |
| Loan loss allowance to noncurrent loans | 92.6366% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 3.3334% | 1,523 |
| Noncurrent loans to loans | 2.2984% | 2,508 |
| Net loans and leases to total assets | 76.7528% | 874 |
| Net loans and leases to deposits | 87.3714% | 1,433 |
| Net loans and leases to core deposits | 89.9915% | 1,977 |
| Total domestic deposits to total assets | 87.8466% | 2,131 |
| Equity capital to assets | 11.5463% | 2,705 |
| Core capital (leverage) ratio | 10.6947% | 2,709 |
| Tier 1 risk-based capital ratio | 11.6808% | 6,128 |
| Total risk-based capital ratio | 12.9382% | 6,104 |
| Memoranda: | ||
| Average total assets | $236,688,500 | 2,691 |
| Average earning assets | $207,264,250 | 2,797 |
| Average equity | $26,187,000 | 2,570 |
| Average total loans | $181,043,750 | 2,213 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2924% | 1,072 |
| Cost of funding earning assets | 0.9929% | 1,805 |
| Net interest margin | 4.2995% | 1,482 |
| Noninterest income to average assets | 0.5940% | 3,289 |
| Noninterest expense to average assets | 3.0817% | 2,979 |
| Loan and lease loss provision to assets | 0.3113% | 2,119 |
| Net operating income to assets | 0.9103% | 2,858 |
| Return on assets (ROA) | 0.9103% | 3,121 |
| Pretax return on assets | 0.9751% | 3,803 |
| Return on Equity (ROE) | 8.3467% | 3,093 |
| Retained earnings to average equity (ytd only) | 8.3467% | 1,498 |
| Net charge-offs to loans | 0.3116% | 2,783 |
| Credit loss provision to net charge-offs | 131.6726% | 2,084 |
| Earnings coverage of net charge-offs (x) | 5.4413% | 2,837 |
| Efficiency ratio | 68.7211% | 3,992 |
| Assets per employee ($millions) | 3.9990% | 3,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2182% | 1,731 |
| Loan loss allowance to noncurrent loans | 86.3646% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 3.1495% | 1,726 |
| Noncurrent loans to loans | 2.5684% | 2,344 |
| Net loans and leases to total assets | 77.1622% | 821 |
| Net loans and leases to deposits | 87.5469% | 1,414 |
| Net loans and leases to core deposits | 90.3179% | 1,953 |
| Total domestic deposits to total assets | 88.1381% | 2,049 |
| Equity capital to assets | 11.4385% | 2,648 |
| Core capital (leverage) ratio | 10.5429% | 2,761 |
| Tier 1 risk-based capital ratio | 11.5356% | 6,193 |
| Total risk-based capital ratio | 12.7944% | 6,169 |
| Memoranda: | ||
| Average total assets | $237,727,330 | 2,684 |
| Average earning assets | $208,676,000 | 2,780 |
| Average equity | $25,926,330 | 2,580 |
| Average total loans | $180,334,000 | 2,225 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1441% | 1,452 |
| Cost of funding earning assets | 1.0209% | 1,861 |
| Net interest margin | 4.1232% | 2,014 |
| Noninterest income to average assets | 0.5635% | 3,471 |
| Noninterest expense to average assets | 3.1203% | 2,852 |
| Loan and lease loss provision to assets | 0.4488% | 1,384 |
| Net operating income to assets | 0.5918% | 4,383 |
| Return on assets (ROA) | 0.5918% | 4,599 |
| Pretax return on assets | 0.6334% | 4,999 |
| Return on Equity (ROE) | 5.5573% | 4,521 |
| Retained earnings to average equity (ytd only) | 5.5573% | 3,228 |
| Net charge-offs to loans | 0.4313% | 2,022 |
| Credit loss provision to net charge-offs | 139.8964% | 1,758 |
| Earnings coverage of net charge-offs (x) | 3.3731% | 2,862 |
| Efficiency ratio | 72.3497% | 3,370 |
| Assets per employee ($millions) | 4.2625% | 3,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2575% | 1,763 |
| Loan loss allowance to noncurrent loans | 66.6667% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 3.3677% | 1,711 |
| Noncurrent loans to loans | 3.3863% | 1,865 |
| Net loans and leases to total assets | 74.7594% | 952 |
| Net loans and leases to deposits | 84.3560% | 1,622 |
| Net loans and leases to core deposits | 87.0773% | 2,171 |
| Total domestic deposits to total assets | 88.6238% | 1,941 |
| Equity capital to assets | 11.0043% | 2,902 |
| Core capital (leverage) ratio | 9.9027% | 3,492 |
| Tier 1 risk-based capital ratio | 11.3539% | 6,359 |
| Total risk-based capital ratio | 12.6131% | 6,335 |
| Memoranda: | ||
| Average total assets | $240,619,000 | 2,664 |
| Average earning assets | $212,359,500 | 2,743 |
| Average equity | $25,624,000 | 2,608 |
| Average total loans | $178,984,500 | 2,255 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3220% | 1,638 |
| Cost of funding earning assets | 1.3332% | 1,330 |
| Net interest margin | 3.9888% | 2,940 |
| Noninterest income to average assets | 0.4090% | 4,548 |
| Noninterest expense to average assets | 3.3048% | 2,506 |
| Loan and lease loss provision to assets | 0.4650% | 2,279 |
| Net operating income to assets | 0.1524% | 5,724 |
| Return on assets (ROA) | 0.1763% | 5,798 |
| Pretax return on assets | 0.1892% | 5,814 |
| Return on Equity (ROE) | 1.7620% | 5,743 |
| Retained earnings to average equity (ytd only) | 1.7620% | 4,958 |
| Net charge-offs to loans | 0.5519% | 2,807 |
| Credit loss provision to net charge-offs | 116.0804% | 2,798 |
| Earnings coverage of net charge-offs (x) | 1.5688% | 4,596 |
| Efficiency ratio | 82.0676% | 2,008 |
| Assets per employee ($millions) | 4.3299% | 3,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2227% | 1,759 |
| Loan loss allowance to noncurrent loans | 86.0455% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 2.6223% | 2,317 |
| Noncurrent loans to loans | 2.5831% | 2,535 |
| Net loans and leases to total assets | 70.7802% | 1,869 |
| Net loans and leases to deposits | 79.2735% | 2,647 |
| Net loans and leases to core deposits | 81.8628% | 3,199 |
| Total domestic deposits to total assets | 89.2861% | 1,376 |
| Equity capital to assets | 10.3119% | 3,765 |
| Core capital (leverage) ratio | 9.5695% | 3,918 |
| Tier 1 risk-based capital ratio | 11.0633% | 6,421 |
| Total risk-based capital ratio | 12.3216% | 6,399 |
| Memoranda: | ||
| Average total assets | $248,398,400 | 2,535 |
| Average earning assets | $219,467,200 | 2,618 |
| Average equity | $24,858,000 | 2,598 |
| Average total loans | $180,277,600 | 2,242 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3385% | 1,723 |
| Cost of funding earning assets | 1.4110% | 1,185 |
| Net interest margin | 3.9275% | 3,240 |
| Noninterest income to average assets | 0.3290% | 5,234 |
| Noninterest expense to average assets | 3.3536% | 2,339 |
| Loan and lease loss provision to assets | 0.3457% | 2,805 |
| Net operating income to assets | 0.0881% | 5,991 |
| Return on assets (ROA) | 0.1200% | 6,028 |
| Pretax return on assets | 0.1292% | 6,046 |
| Return on Equity (ROE) | 1.2087% | 6,027 |
| Retained earnings to average equity (ytd only) | 1.2087% | 5,530 |
| Net charge-offs to loans | 0.6818% | 2,209 |
| Credit loss provision to net charge-offs | 69.8052% | 4,492 |
| Earnings coverage of net charge-offs (x) | 0.8896% | 4,955 |
| Efficiency ratio | 86.3701% | 1,494 |
| Assets per employee ($millions) | 4.2481% | 3,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9658% | 2,431 |
| Loan loss allowance to noncurrent loans | 77.2360% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 2.7802% | 2,339 |
| Noncurrent loans to loans | 2.5452% | 2,723 |
| Net loans and leases to total assets | 72.7423% | 1,558 |
| Net loans and leases to deposits | 81.5944% | 2,433 |
| Net loans and leases to core deposits | 84.7369% | 2,948 |
| Total domestic deposits to total assets | 89.1511% | 1,332 |
| Equity capital to assets | 10.4252% | 3,794 |
| Core capital (leverage) ratio | 9.3734% | 4,344 |
| Tier 1 risk-based capital ratio | 10.9308% | 6,586 |
| Total risk-based capital ratio | 12.1865% | 6,556 |
| Memoranda: | ||
| Average total assets | $248,797,500 | 2,546 |
| Average earning assets | $219,507,000 | 2,634 |
| Average equity | $24,710,000 | 2,612 |
| Average total loans | $180,682,500 | 2,257 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3132% | 1,844 |
| Cost of funding earning assets | 1.4739% | 1,095 |
| Net interest margin | 3.8393% | 3,588 |
| Noninterest income to average assets | 0.2693% | 5,714 |
| Noninterest expense to average assets | 3.3392% | 2,431 |
| Loan and lease loss provision to assets | 0.3028% | 2,987 |
| Net operating income to assets | 0.0195% | 6,193 |
| Return on assets (ROA) | 0.0669% | 6,166 |
| Pretax return on assets | 0.0717% | 6,148 |
| Return on Equity (ROE) | 0.6848% | 6,147 |
| Retained earnings to average equity (ytd only) | 0.6848% | 5,577 |
| Net charge-offs to loans | 0.7833% | 1,935 |
| Credit loss provision to net charge-offs | 53.5966% | 4,495 |
| Earnings coverage of net charge-offs (x) | 0.5726% | 4,872 |
| Efficiency ratio | 89.1016% | 1,313 |
| Assets per employee ($millions) | 3.8333% | 4,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9255% | 2,589 |
| Loan loss allowance to noncurrent loans | 68.1676% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 2.7122% | 2,465 |
| Noncurrent loans to loans | 2.8247% | 2,575 |
| Net loans and leases to total assets | 72.2903% | 1,732 |
| Net loans and leases to deposits | 80.7765% | 2,648 |
| Net loans and leases to core deposits | 84.0240% | 3,205 |
| Total domestic deposits to total assets | 89.4943% | 1,245 |
| Equity capital to assets | 10.0785% | 4,044 |
| Core capital (leverage) ratio | 9.1382% | 4,505 |
| Tier 1 risk-based capital ratio | 10.9255% | 6,587 |
| Total risk-based capital ratio | 12.1808% | 6,550 |
| Memoranda: | ||
| Average total assets | $251,015,330 | 2,537 |
| Average earning assets | $221,860,670 | 2,627 |
| Average equity | $24,532,000 | 2,602 |
| Average total loans | $181,019,000 | 2,269 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1545% | 2,414 |
| Cost of funding earning assets | 1.5264% | 1,064 |
| Net interest margin | 3.6281% | 4,444 |
| Noninterest income to average assets | 0.5420% | 3,565 |
| Noninterest expense to average assets | 3.3090% | 2,529 |
| Loan and lease loss provision to assets | 0.2127% | 3,522 |
| Net operating income to assets | 0.2143% | 5,739 |
| Return on assets (ROA) | 0.2143% | 5,802 |
| Pretax return on assets | 0.2301% | 5,868 |
| Return on Equity (ROE) | 2.2263% | 5,706 |
| Retained earnings to average equity (ytd only) | 2.2263% | 4,810 |
| Net charge-offs to loans | 1.2456% | 1,116 |
| Credit loss provision to net charge-offs | 23.9362% | 4,215 |
| Earnings coverage of net charge-offs (x) | 0.4982% | 4,247 |
| Efficiency ratio | 86.1823% | 1,696 |
| Assets per employee ($millions) | 3.8024% | 4,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8854% | 2,740 |
| Loan loss allowance to noncurrent loans | 48.8517% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 3.9488% | 1,691 |
| Noncurrent loans to loans | 3.8594% | 1,906 |
| Net loans and leases to total assets | 69.0844% | 2,307 |
| Net loans and leases to deposits | 76.8215% | 3,281 |
| Net loans and leases to core deposits | 79.7688% | 3,789 |
| Total domestic deposits to total assets | 89.9285% | 1,189 |
| Equity capital to assets | 9.6201% | 4,290 |
| Core capital (leverage) ratio | 9.0319% | 4,567 |
| Tier 1 risk-based capital ratio | 10.6817% | 6,703 |
| Total risk-based capital ratio | 11.9364% | 6,684 |
| Memoranda: | ||
| Average total assets | $253,856,500 | 2,533 |
| Average earning assets | $224,581,000 | 2,606 |
| Average equity | $24,435,000 | 2,606 |
| Average total loans | $181,111,500 | 2,298 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4462% | 2,490 |
| Cost of funding earning assets | 1.7858% | 1,222 |
| Net interest margin | 3.6604% | 4,528 |
| Noninterest income to average assets | 0.8872% | 1,895 |
| Noninterest expense to average assets | 3.4839% | 2,221 |
| Loan and lease loss provision to assets | 0.3950% | 3,748 |
| Net operating income to assets | 0.2278% | 5,187 |
| Return on assets (ROA) | 0.4784% | 4,358 |
| Pretax return on assets | 0.5125% | 4,579 |
| Return on Equity (ROE) | 5.0152% | 4,063 |
| Retained earnings to average equity (ytd only) | 5.0152% | 2,398 |
| Net charge-offs to loans | 0.7832% | 2,680 |
| Credit loss provision to net charge-offs | 67.5835% | 5,916 |
| Earnings coverage of net charge-offs (x) | 1.0917% | 5,022 |
| Efficiency ratio | 82.7468% | 2,076 |
| Assets per employee ($millions) | 3.7754% | 4,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0843% | 2,104 |
| Loan loss allowance to noncurrent loans | 78.6909% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 3.2172% | 2,199 |
| Noncurrent loans to loans | 2.6487% | 2,872 |
| Net loans and leases to total assets | 70.7762% | 2,359 |
| Net loans and leases to deposits | 78.7625% | 3,373 |
| Net loans and leases to core deposits | 82.6537% | 3,797 |
| Total domestic deposits to total assets | 89.8603% | 1,183 |
| Equity capital to assets | 9.6310% | 4,232 |
| Core capital (leverage) ratio | 8.9959% | 4,564 |
| Tier 1 risk-based capital ratio | 10.6050% | 6,634 |
| Total risk-based capital ratio | 11.8619% | 6,597 |
| Memoranda: | ||
| Average total assets | $261,261,200 | 2,444 |
| Average earning assets | $230,878,200 | 2,517 |
| Average equity | $24,924,000 | 2,566 |
| Average total loans | $194,975,000 | 2,204 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4435% | 2,676 |
| Cost of funding earning assets | 1.8353% | 1,282 |
| Net interest margin | 3.6081% | 4,833 |
| Noninterest income to average assets | 0.7848% | 2,306 |
| Noninterest expense to average assets | 3.4029% | 2,282 |
| Loan and lease loss provision to assets | 0.3605% | 3,732 |
| Net operating income to assets | 0.1941% | 5,524 |
| Return on assets (ROA) | 0.5255% | 4,375 |
| Pretax return on assets | 0.5630% | 4,713 |
| Return on Equity (ROE) | 5.5216% | 4,030 |
| Retained earnings to average equity (ytd only) | 5.5216% | 2,632 |
| Net charge-offs to loans | 0.6734% | 2,744 |
| Credit loss provision to net charge-offs | 71.2000% | 5,384 |
| Earnings coverage of net charge-offs (x) | 1.1200% | 4,934 |
| Efficiency ratio | 83.8924% | 1,850 |
| Assets per employee ($millions) | 3.8040% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0756% | 2,059 |
| Loan loss allowance to noncurrent loans | 73.0944% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 3.2617% | 2,189 |
| Noncurrent loans to loans | 2.8397% | 2,814 |
| Net loans and leases to total assets | 74.3768% | 1,721 |
| Net loans and leases to deposits | 85.6859% | 2,410 |
| Net loans and leases to core deposits | 89.8377% | 3,119 |
| Total domestic deposits to total assets | 86.8017% | 2,646 |
| Equity capital to assets | 9.8899% | 4,304 |
| Core capital (leverage) ratio | 8.7520% | 5,100 |
| Tier 1 risk-based capital ratio | 10.2113% | 6,953 |
| Total risk-based capital ratio | 11.4688% | 6,928 |
| Memoranda: | ||
| Average total assets | $263,337,750 | 2,460 |
| Average earning assets | $232,468,000 | 2,539 |
| Average equity | $25,064,500 | 2,578 |
| Average total loans | $198,008,000 | 2,207 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3543% | 3,192 |
| Cost of funding earning assets | 1.8407% | 1,483 |
| Net interest margin | 3.5137% | 5,200 |
| Noninterest income to average assets | 0.7890% | 2,175 |
| Noninterest expense to average assets | 3.3266% | 2,479 |
| Loan and lease loss provision to assets | 0.2668% | 4,257 |
| Net operating income to assets | 0.2812% | 5,259 |
| Return on assets (ROA) | 0.7732% | 3,247 |
| Pretax return on assets | 0.8273% | 3,790 |
| Return on Equity (ROE) | 8.2263% | 2,796 |
| Retained earnings to average equity (ytd only) | 8.2263% | 1,359 |
| Net charge-offs to loans | 0.8492% | 2,131 |
| Credit loss provision to net charge-offs | 41.9126% | 5,581 |
| Earnings coverage of net charge-offs (x) | 0.8878% | 4,884 |
| Efficiency ratio | 83.6455% | 1,963 |
| Assets per employee ($millions) | 3.9084% | 3,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9550% | 2,292 |
| Loan loss allowance to noncurrent loans | 60.2052% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 4.1838% | 1,613 |
| Noncurrent loans to loans | 3.2472% | 2,468 |
| Net loans and leases to total assets | 75.2914% | 1,629 |
| Net loans and leases to deposits | 86.8052% | 2,374 |
| Net loans and leases to core deposits | 91.6341% | 3,039 |
| Total domestic deposits to total assets | 86.7360% | 2,686 |
| Equity capital to assets | 9.9355% | 4,096 |
| Core capital (leverage) ratio | 8.5464% | 5,334 |
| Tier 1 risk-based capital ratio | 9.9092% | 7,073 |
| Total risk-based capital ratio | 11.1652% | 7,045 |
| Memoranda: | ||
| Average total assets | $266,161,330 | 2,451 |
| Average earning assets | $235,024,330 | 2,540 |
| Average equity | $25,017,330 | 2,587 |
| Average total loans | $199,484,000 | 2,221 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2750% | 3,667 |
| Cost of funding earning assets | 1.8391% | 1,701 |
| Net interest margin | 3.4360% | 5,446 |
| Noninterest income to average assets | 0.5951% | 3,305 |
| Noninterest expense to average assets | 3.0578% | 3,447 |
| Loan and lease loss provision to assets | 0.1690% | 4,840 |
| Net operating income to assets | 0.3898% | 4,881 |
| Return on assets (ROA) | 1.3519% | 1,250 |
| Pretax return on assets | 1.4474% | 1,640 |
| Return on Equity (ROE) | 14.7759% | 913 |
| Retained earnings to average equity (ytd only) | 14.7759% | 429 |
| Net charge-offs to loans | 0.3233% | 3,118 |
| Credit loss provision to net charge-offs | 70.5521% | 4,092 |
| Earnings coverage of net charge-offs (x) | 2.4294% | 3,328 |
| Efficiency ratio | 82.0751% | 2,263 |
| Assets per employee ($millions) | 4.2248% | 3,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1331% | 1,883 |
| Loan loss allowance to noncurrent loans | 72.3043% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 3.6680% | 1,904 |
| Noncurrent loans to loans | 2.9501% | 2,725 |
| Net loans and leases to total assets | 72.2515% | 2,400 |
| Net loans and leases to deposits | 82.4728% | 3,201 |
| Net loans and leases to core deposits | 87.3410% | 3,701 |
| Total domestic deposits to total assets | 87.6064% | 2,297 |
| Equity capital to assets | 9.2607% | 4,897 |
| Core capital (leverage) ratio | 8.1610% | 5,977 |
| Tier 1 risk-based capital ratio | 9.4962% | 7,308 |
| Total risk-based capital ratio | 10.7538% | 7,296 |
| Memoranda: | ||
| Average total assets | $272,217,500 | 2,455 |
| Average earning assets | $241,211,000 | 2,525 |
| Average equity | $24,905,500 | 2,616 |
| Average total loans | $201,680,500 | 2,260 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6171% | 3,515 |
| Cost of funding earning assets | 2.2161% | 1,962 |
| Net interest margin | 3.4010% | 5,355 |
| Noninterest income to average assets | 0.5316% | 4,165 |
| Noninterest expense to average assets | 3.4151% | 2,622 |
| Loan and lease loss provision to assets | 1.3883% | 1,651 |
| Net operating income to assets | -1.1346% | 6,670 |
| Return on assets (ROA) | -1.0776% | 6,636 |
| Pretax return on assets | -1.1702% | 6,523 |
| Return on Equity (ROE) | -12.1737% | 6,777 |
| Retained earnings to average equity (ytd only) | -12.1737% | 6,695 |
| Net charge-offs to loans | 1.3303% | 1,874 |
| Credit loss provision to net charge-offs | 140.3272% | 3,465 |
| Earnings coverage of net charge-offs (x) | 0.1579% | 6,003 |
| Efficiency ratio | 93.7445% | 1,428 |
| Assets per employee ($millions) | 4.2161% | 3,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1134% | 1,804 |
| Loan loss allowance to noncurrent loans | 57.1694% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 3.9690% | 1,666 |
| Noncurrent loans to loans | 3.6968% | 2,040 |
| Net loans and leases to total assets | 72.7750% | 2,561 |
| Net loans and leases to deposits | 82.8478% | 3,481 |
| Net loans and leases to core deposits | 101.7287% | 3,824 |
| Total domestic deposits to total assets | 87.8418% | 2,050 |
| Equity capital to assets | 9.0390% | 5,077 |
| Core capital (leverage) ratio | 7.5792% | 6,708 |
| Tier 1 risk-based capital ratio | 9.0213% | 7,458 |
| Total risk-based capital ratio | 10.2790% | 7,474 |
| Memoranda: | ||
| Average total assets | $284,235,200 | 2,318 |
| Average earning assets | $254,044,600 | 2,371 |
| Average equity | $25,160,800 | 2,595 |
| Average total loans | $211,378,600 | 2,178 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6118% | 3,797 |
| Cost of funding earning assets | 2.2970% | 1,992 |
| Net interest margin | 3.3148% | 5,584 |
| Noninterest income to average assets | 0.5305% | 4,234 |
| Noninterest expense to average assets | 3.3562% | 2,705 |
| Loan and lease loss provision to assets | 1.5975% | 1,185 |
| Net operating income to assets | -1.3380% | 7,033 |
| Return on assets (ROA) | -1.2734% | 7,005 |
| Pretax return on assets | -1.3855% | 6,907 |
| Return on Equity (ROE) | -14.4583% | 7,163 |
| Retained earnings to average equity (ytd only) | -14.4583% | 7,101 |
| Net charge-offs to loans | 1.4540% | 1,419 |
| Credit loss provision to net charge-offs | 147.7214% | 3,275 |
| Earnings coverage of net charge-offs (x) | 0.1311% | 5,899 |
| Efficiency ratio | 94.0457% | 1,397 |
| Assets per employee ($millions) | 4.1305% | 3,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0443% | 1,698 |
| Loan loss allowance to noncurrent loans | 58.0295% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 3.9274% | 1,640 |
| Noncurrent loans to loans | 3.5229% | 2,125 |
| Net loans and leases to total assets | 73.0510% | 2,775 |
| Net loans and leases to deposits | 85.3210% | 3,447 |
| Net loans and leases to core deposits | 105.7962% | 3,723 |
| Total domestic deposits to total assets | 85.6190% | 2,907 |
| Equity capital to assets | 9.1145% | 5,313 |
| Core capital (leverage) ratio | 7.4903% | 6,989 |
| Tier 1 risk-based capital ratio | 8.9149% | 7,649 |
| Total risk-based capital ratio | 10.1718% | 7,671 |
| Memoranda: | ||
| Average total assets | $286,782,500 | 2,313 |
| Average earning assets | $256,737,750 | 2,369 |
| Average equity | $25,258,250 | 2,608 |
| Average total loans | $213,287,500 | 2,185 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5120% | 4,560 |
| Cost of funding earning assets | 2.3407% | 2,197 |
| Net interest margin | 3.1713% | 6,011 |
| Noninterest income to average assets | 0.5222% | 4,254 |
| Noninterest expense to average assets | 3.2983% | 2,967 |
| Loan and lease loss provision to assets | 1.6180% | 1,039 |
| Net operating income to assets | -1.4045% | 7,202 |
| Return on assets (ROA) | -1.3402% | 7,181 |
| Pretax return on assets | -1.4698% | 7,078 |
| Return on Equity (ROE) | -15.3911% | 7,345 |
| Retained earnings to average equity (ytd only) | -15.3911% | 7,259 |
| Net charge-offs to loans | 1.9416% | 959 |
| Credit loss provision to net charge-offs | 112.1459% | 4,127 |
| Earnings coverage of net charge-offs (x) | 0.0538% | 5,619 |
| Efficiency ratio | 95.7530% | 1,394 |
| Assets per employee ($millions) | 3.9730% | 3,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5856% | 2,804 |
| Loan loss allowance to noncurrent loans | 39.2101% | 5,784 |
| Noncurrent assets plus other real estate owned to assets | 4.1635% | 1,389 |
| Noncurrent loans to loans | 4.0440% | 1,663 |
| Net loans and leases to total assets | 74.3122% | 2,620 |
| Net loans and leases to deposits | 89.1330% | 2,968 |
| Net loans and leases to core deposits | 111.8021% | 3,153 |
| Total domestic deposits to total assets | 83.3723% | 4,080 |
| Equity capital to assets | 9.0041% | 5,311 |
| Core capital (leverage) ratio | 7.5069% | 7,003 |
| Tier 1 risk-based capital ratio | 8.9961% | 7,699 |
| Total risk-based capital ratio | 10.2482% | 7,713 |
| Memoranda: | ||
| Average total assets | $288,753,000 | 2,331 |
| Average earning assets | $259,831,670 | 2,352 |
| Average equity | $25,144,330 | 2,626 |
| Average total loans | $214,563,000 | 2,203 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4299% | 5,270 |
| Cost of funding earning assets | 2.3539% | 2,494 |
| Net interest margin | 3.0760% | 6,269 |
| Noninterest income to average assets | 0.5212% | 4,125 |
| Noninterest expense to average assets | 2.9383% | 4,021 |
| Loan and lease loss provision to assets | 0.5115% | 2,427 |
| Net operating income to assets | -0.0866% | 6,391 |
| Return on assets (ROA) | -0.0372% | 6,443 |
| Pretax return on assets | -0.0676% | 6,449 |
| Return on Equity (ROE) | -0.4348% | 6,459 |
| Retained earnings to average equity (ytd only) | -0.4348% | 5,751 |
| Net charge-offs to loans | 0.1945% | 3,472 |
| Credit loss provision to net charge-offs | 356.7308% | 1,422 |
| Earnings coverage of net charge-offs (x) | 2.5577% | 3,473 |
| Efficiency ratio | 86.9003% | 1,978 |
| Assets per employee ($millions) | 4.0742% | 3,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6120% | 2,468 |
| Loan loss allowance to noncurrent loans | 24.8465% | 6,916 |
| Noncurrent assets plus other real estate owned to assets | 5.5644% | 759 |
| Noncurrent loans to loans | 6.4879% | 683 |
| Net loans and leases to total assets | 72.5619% | 3,104 |
| Net loans and leases to deposits | 91.6609% | 2,656 |
| Net loans and leases to core deposits | 115.2394% | 2,881 |
| Total domestic deposits to total assets | 79.1635% | 5,661 |
| Equity capital to assets | 8.5247% | 6,036 |
| Core capital (leverage) ratio | 7.2219% | 7,459 |
| Tier 1 risk-based capital ratio | 9.1637% | 7,698 |
| Total risk-based capital ratio | 10.4171% | 7,692 |
| Memoranda: | ||
| Average total assets | $290,100,500 | 2,332 |
| Average earning assets | $262,547,500 | 2,344 |
| Average equity | $24,838,000 | 2,670 |
| Average total loans | $213,844,000 | 2,233 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2128% | 4,447 |
| Cost of funding earning assets | 3.0426% | 1,706 |
| Net interest margin | 3.1702% | 6,465 |
| Noninterest income to average assets | 0.6526% | 3,454 |
| Noninterest expense to average assets | 2.9903% | 4,110 |
| Loan and lease loss provision to assets | 0.5001% | 2,812 |
| Net operating income to assets | 0.0071% | 6,349 |
| Return on assets (ROA) | 0.0845% | 5,987 |
| Pretax return on assets | 0.0860% | 5,974 |
| Return on Equity (ROE) | 0.9019% | 5,946 |
| Retained earnings to average equity (ytd only) | -3.0024% | 6,108 |
| Net charge-offs to loans | 0.1079% | 5,205 |
| Credit loss provision to net charge-offs | 663.5922% | 644 |
| Earnings coverage of net charge-offs (x) | 6.7282% | 3,289 |
| Efficiency ratio | 83.5042% | 2,114 |
| Assets per employee ($millions) | 4.5459% | 2,543 |
| Cash dividends to net income (ytd only)* | 432.9004% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4798% | 2,793 |
| Loan loss allowance to noncurrent loans | 27.3802% | 6,872 |
| Noncurrent assets plus other real estate owned to assets | 4.4584% | 853 |
| Noncurrent loans to loans | 5.4047% | 770 |
| Net loans and leases to total assets | 72.5867% | 3,465 |
| Net loans and leases to deposits | 95.4533% | 2,538 |
| Net loans and leases to core deposits | 122.8791% | 2,408 |
| Total domestic deposits to total assets | 76.0441% | 6,229 |
| Equity capital to assets | 8.5988% | 5,937 |
| Core capital (leverage) ratio | 7.1499% | 7,569 |
| Tier 1 risk-based capital ratio | 9.2277% | 7,590 |
| Total risk-based capital ratio | 10.4796% | 7,534 |
| Memoranda: | ||
| Average total assets | $273,353,200 | 2,355 |
| Average earning assets | $245,283,000 | 2,405 |
| Average equity | $25,613,000 | 2,594 |
| Average total loans | $190,909,600 | 2,381 |