Home > Central Bank of Lake of the Ozarks > Performance and Condition Ratios
Central Bank of Lake of the Ozarks, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7031% | 4,403 |
| Cost of funding earning assets | 0.1218% | 4,337 |
| Net interest margin | 2.5813% | 4,160 |
| Noninterest income to average assets | 1.5462% | 520 |
| Noninterest expense to average assets | 2.2915% | 2,778 |
| Loan and lease loss provision to assets | 0.0324% | 2,347 |
| Net operating income to assets | 1.3290% | 1,737 |
| Return on assets (ROA) | 1.3333% | 1,786 |
| Pretax return on assets | 1.7313% | 1,331 |
| Return on Equity (ROE) | 16.7934% | 801 |
| Retained earnings to average equity (ytd only) | 4.1471% | 3,529 |
| Net charge-offs to loans | 0.0389% | 1,309 |
| Credit loss provision to net charge-offs | 186.6197% | 1,241 |
| Earnings coverage of net charge-offs (x) | 101.1338% | 869 |
| Efficiency ratio | 56.4730% | 3,473 |
| Assets per employee ($millions) | 8.4143% | 1,082 |
| Cash dividends to net income (ytd only)* | 75.3054% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8333% | 871 |
| Loan loss allowance to noncurrent loans | 808.7624% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.0973% | 3,455 |
| Noncurrent loans to loans | 0.2267% | 3,037 |
| Net loans and leases to total assets | 41.8925% | 4,100 |
| Net loans and leases to deposits | 47.8234% | 4,128 |
| Net loans and leases to core deposits | 50.0814% | 4,131 |
| Total domestic deposits to total assets | 87.5983% | 2,063 |
| Equity capital to assets | 7.5774% | 4,685 |
| Core capital (leverage) ratio | 7.4395% | 4,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2285% | 1,303 |
| Memoranda: | ||
| Average total assets | $1,088,937,500 | 905 |
| Average earning assets | $1,056,179,500 | 872 |
| Average equity | $86,452,500 | 1,155 |
| Average total loans | $486,164,750 | 1,210 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7276% | 4,427 |
| Cost of funding earning assets | 0.1294% | 4,356 |
| Net interest margin | 2.5982% | 4,173 |
| Noninterest income to average assets | 1.5638% | 507 |
| Noninterest expense to average assets | 2.3621% | 2,581 |
| Loan and lease loss provision to assets | 0.0362% | 2,267 |
| Net operating income to assets | 1.2939% | 1,885 |
| Return on assets (ROA) | 1.2996% | 1,942 |
| Pretax return on assets | 1.6895% | 1,505 |
| Return on Equity (ROE) | 16.1082% | 938 |
| Retained earnings to average equity (ytd only) | 2.2138% | 4,065 |
| Net charge-offs to loans | 0.0527% | 1,090 |
| Credit loss provision to net charge-offs | 151.5625% | 1,160 |
| Earnings coverage of net charge-offs (x) | 71.8594% | 892 |
| Efficiency ratio | 57.7767% | 3,314 |
| Assets per employee ($millions) | 7.8158% | 1,298 |
| Cash dividends to net income (ytd only)* | 86.2565% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8321% | 839 |
| Loan loss allowance to noncurrent loans | 575.0485% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.1390% | 3,321 |
| Noncurrent loans to loans | 0.3186% | 2,775 |
| Net loans and leases to total assets | 42.6496% | 4,134 |
| Net loans and leases to deposits | 48.3043% | 4,197 |
| Net loans and leases to core deposits | 50.7679% | 4,200 |
| Total domestic deposits to total assets | 88.2936% | 1,672 |
| Equity capital to assets | 7.6514% | 4,691 |
| Core capital (leverage) ratio | 7.5702% | 4,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2133% | 1,288 |
| Memoranda: | ||
| Average total assets | $1,070,466,667 | 913 |
| Average earning assets | $1,036,956,667 | 877 |
| Average equity | $86,366,000 | 1,148 |
| Average total loans | $485,436,333 | 1,210 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9376% | 4,201 |
| Cost of funding earning assets | 0.1414% | 4,372 |
| Net interest margin | 2.7962% | 3,772 |
| Noninterest income to average assets | 1.6013% | 543 |
| Noninterest expense to average assets | 2.3067% | 2,766 |
| Loan and lease loss provision to assets | 0.0455% | 2,167 |
| Net operating income to assets | 1.5009% | 1,330 |
| Return on assets (ROA) | 1.5009% | 1,391 |
| Pretax return on assets | 1.9548% | 1,024 |
| Return on Equity (ROE) | 18.1034% | 717 |
| Retained earnings to average equity (ytd only) | 18.1034% | 364 |
| Net charge-offs to loans | 0.0552% | 957 |
| Credit loss provision to net charge-offs | 177.6119% | 929 |
| Earnings coverage of net charge-offs (x) | 78.1343% | 715 |
| Efficiency ratio | 53.4510% | 3,855 |
| Assets per employee ($millions) | 7.7223% | 1,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8280% | 828 |
| Loan loss allowance to noncurrent loans | 628.1471% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.1334% | 3,507 |
| Noncurrent loans to loans | 0.2910% | 3,063 |
| Net loans and leases to total assets | 44.7613% | 4,061 |
| Net loans and leases to deposits | 51.0665% | 4,104 |
| Net loans and leases to core deposits | 53.6733% | 4,104 |
| Total domestic deposits to total assets | 87.6529% | 2,013 |
| Equity capital to assets | 8.2775% | 4,301 |
| Core capital (leverage) ratio | 8.2795% | 4,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4933% | 1,167 |
| Memoranda: | ||
| Average total assets | $1,046,868,500 | 920 |
| Average earning assets | $1,012,939,500 | 885 |
| Average equity | $86,790,500 | 1,131 |
| Average total loans | $485,367,000 | 1,213 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4212% | 4,169 |
| Cost of funding earning assets | 0.2804% | 4,241 |
| Net interest margin | 3.1408% | 3,518 |
| Noninterest income to average assets | 1.8105% | 391 |
| Noninterest expense to average assets | 2.5444% | 2,708 |
| Loan and lease loss provision to assets | 0.1048% | 3,023 |
| Net operating income to assets | 1.6920% | 509 |
| Return on assets (ROA) | 1.6920% | 551 |
| Pretax return on assets | 2.1978% | 302 |
| Return on Equity (ROE) | 19.7936% | 244 |
| Retained earnings to average equity (ytd only) | 15.6710% | 130 |
| Net charge-offs to loans | 0.0767% | 1,717 |
| Credit loss provision to net charge-offs | 256.6038% | 1,902 |
| Earnings coverage of net charge-offs (x) | 56.3585% | 1,105 |
| Efficiency ratio | 52.3868% | 4,359 |
| Assets per employee ($millions) | 7.1892% | 1,454 |
| Cash dividends to net income (ytd only)* | 20.8279% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8212% | 823 |
| Loan loss allowance to noncurrent loans | 504.8599% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.1709% | 3,420 |
| Noncurrent loans to loans | 0.3607% | 2,903 |
| Net loans and leases to total assets | 46.3019% | 4,109 |
| Net loans and leases to deposits | 52.8510% | 4,174 |
| Net loans and leases to core deposits | 55.7928% | 4,161 |
| Total domestic deposits to total assets | 87.6083% | 1,655 |
| Equity capital to assets | 8.3039% | 4,573 |
| Core capital (leverage) ratio | 8.0438% | 4,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2431% | 1,202 |
| Memoranda: | ||
| Average total assets | $908,038,800 | 960 |
| Average earning assets | $877,905,200 | 926 |
| Average equity | $77,621,000 | 1,180 |
| Average total loans | $483,755,000 | 1,174 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6224% | 3,970 |
| Cost of funding earning assets | 0.3154% | 4,242 |
| Net interest margin | 3.3070% | 3,165 |
| Noninterest income to average assets | 1.6779% | 417 |
| Noninterest expense to average assets | 2.6206% | 2,478 |
| Loan and lease loss provision to assets | 0.0990% | 3,086 |
| Net operating income to assets | 1.6584% | 632 |
| Return on assets (ROA) | 1.6584% | 705 |
| Pretax return on assets | 2.1519% | 374 |
| Return on Equity (ROE) | 19.2392% | 283 |
| Retained earnings to average equity (ytd only) | 13.6018% | 273 |
| Net charge-offs to loans | 0.0303% | 2,228 |
| Credit loss provision to net charge-offs | 592.7273% | 1,169 |
| Earnings coverage of net charge-offs (x) | 134.7545% | 651 |
| Efficiency ratio | 53.6829% | 4,184 |
| Assets per employee ($millions) | 7.0629% | 1,457 |
| Cash dividends to net income (ytd only)* | 29.3013% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7645% | 783 |
| Loan loss allowance to noncurrent loans | 417.6247% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 3,369 |
| Noncurrent loans to loans | 0.4225% | 2,794 |
| Net loans and leases to total assets | 49.4969% | 4,118 |
| Net loans and leases to deposits | 56.6511% | 4,227 |
| Net loans and leases to core deposits | 60.5401% | 4,174 |
| Total domestic deposits to total assets | 87.3714% | 1,513 |
| Equity capital to assets | 8.2028% | 4,635 |
| Core capital (leverage) ratio | 7.8820% | 4,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2365% | 1,442 |
| Memoranda: | ||
| Average total assets | $878,034,000 | 974 |
| Average earning assets | $847,919,500 | 935 |
| Average equity | $75,684,000 | 1,205 |
| Average total loans | $483,483,750 | 1,167 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8495% | 3,744 |
| Cost of funding earning assets | 0.3646% | 4,204 |
| Net interest margin | 3.4850% | 2,840 |
| Noninterest income to average assets | 1.4842% | 479 |
| Noninterest expense to average assets | 2.6572% | 2,496 |
| Loan and lease loss provision to assets | 0.0837% | 3,233 |
| Net operating income to assets | 1.6240% | 724 |
| Return on assets (ROA) | 1.6240% | 795 |
| Pretax return on assets | 2.1051% | 434 |
| Return on Equity (ROE) | 18.4906% | 335 |
| Retained earnings to average equity (ytd only) | 9.8274% | 819 |
| Net charge-offs to loans | 0.0359% | 2,016 |
| Credit loss provision to net charge-offs | 409.3023% | 1,388 |
| Earnings coverage of net charge-offs (x) | 107.0349% | 669 |
| Efficiency ratio | 54.7154% | 4,097 |
| Assets per employee ($millions) | 6.3829% | 1,874 |
| Cash dividends to net income (ytd only)* | 46.8521% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7034% | 809 |
| Loan loss allowance to noncurrent loans | 387.7505% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.2341% | 3,389 |
| Noncurrent loans to loans | 0.4393% | 2,839 |
| Net loans and leases to total assets | 51.6667% | 4,050 |
| Net loans and leases to deposits | 59.2473% | 4,153 |
| Net loans and leases to core deposits | 63.5999% | 4,100 |
| Total domestic deposits to total assets | 87.2052% | 1,544 |
| Equity capital to assets | 8.1282% | 4,662 |
| Core capital (leverage) ratio | 8.2952% | 4,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2095% | 1,726 |
| Memoranda: | ||
| Average total assets | $841,108,667 | 992 |
| Average earning assets | $811,373,000 | 959 |
| Average equity | $73,875,333 | 1,214 |
| Average total loans | $478,571,333 | 1,157 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1960% | 3,222 |
| Cost of funding earning assets | 0.4694% | 4,070 |
| Net interest margin | 3.7266% | 2,232 |
| Noninterest income to average assets | 1.4735% | 414 |
| Noninterest expense to average assets | 2.7670% | 2,524 |
| Loan and lease loss provision to assets | 0.0768% | 2,764 |
| Net operating income to assets | 1.7168% | 496 |
| Return on assets (ROA) | 1.7168% | 548 |
| Pretax return on assets | 2.2210% | 280 |
| Return on Equity (ROE) | 18.7026% | 225 |
| Retained earnings to average equity (ytd only) | 0.9645% | 3,749 |
| Net charge-offs to loans | 0.0316% | 1,755 |
| Credit loss provision to net charge-offs | 408.1081% | 988 |
| Earnings coverage of net charge-offs (x) | 122.0541% | 507 |
| Efficiency ratio | 54.5107% | 4,357 |
| Assets per employee ($millions) | 5.3380% | 2,291 |
| Cash dividends to net income (ytd only)* | 94.8429% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7550% | 775 |
| Loan loss allowance to noncurrent loans | 483.6900% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.2282% | 3,555 |
| Noncurrent loans to loans | 0.3628% | 3,199 |
| Net loans and leases to total assets | 60.4858% | 3,446 |
| Net loans and leases to deposits | 70.4745% | 3,553 |
| Net loans and leases to core deposits | 76.3581% | 3,471 |
| Total domestic deposits to total assets | 85.8265% | 2,072 |
| Equity capital to assets | 9.3918% | 4,318 |
| Core capital (leverage) ratio | 8.8042% | 4,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5854% | 2,045 |
| Memoranda: | ||
| Average total assets | $786,134,500 | 1,019 |
| Average earning assets | $757,586,000 | 987 |
| Average equity | $72,161,000 | 1,233 |
| Average total loans | $467,909,500 | 1,153 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4045% | 3,236 |
| Cost of funding earning assets | 0.5312% | 3,965 |
| Net interest margin | 3.8733% | 2,267 |
| Noninterest income to average assets | 1.3839% | 501 |
| Noninterest expense to average assets | 2.7693% | 2,693 |
| Loan and lease loss provision to assets | 0.0983% | 2,083 |
| Net operating income to assets | 1.6818% | 689 |
| Return on assets (ROA) | 1.6815% | 738 |
| Pretax return on assets | 2.2374% | 358 |
| Return on Equity (ROE) | 18.7999% | 282 |
| Retained earnings to average equity (ytd only) | 5.9477% | 1,895 |
| Net charge-offs to loans | 0.1153% | 1,585 |
| Credit loss provision to net charge-offs | 152.7778% | 1,671 |
| Earnings coverage of net charge-offs (x) | 36.2897% | 1,398 |
| Efficiency ratio | 54.1254% | 4,412 |
| Assets per employee ($millions) | 5.4675% | 2,093 |
| Cash dividends to net income (ytd only)* | 68.3631% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7960% | 665 |
| Loan loss allowance to noncurrent loans | 439.0101% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.2976% | 3,248 |
| Noncurrent loans to loans | 0.4091% | 2,972 |
| Net loans and leases to total assets | 56.5031% | 3,886 |
| Net loans and leases to deposits | 65.0639% | 4,001 |
| Net loans and leases to core deposits | 70.1565% | 3,957 |
| Total domestic deposits to total assets | 86.8424% | 1,690 |
| Equity capital to assets | 8.9731% | 4,695 |
| Core capital (leverage) ratio | 8.7933% | 4,669 |
| Tier 1 risk-based capital ratio | 13.1637% | 3,703 |
| Total risk-based capital ratio | 14.4180% | 3,586 |
| Memoranda: | ||
| Average total assets | $782,930,600 | 992 |
| Average earning assets | $752,261,600 | 960 |
| Average equity | $70,026,800 | 1,221 |
| Average total loans | $437,158,400 | 1,186 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4141% | 3,303 |
| Cost of funding earning assets | 0.5384% | 3,989 |
| Net interest margin | 3.8757% | 2,343 |
| Noninterest income to average assets | 1.3273% | 533 |
| Noninterest expense to average assets | 2.7630% | 2,679 |
| Loan and lease loss provision to assets | 0.0828% | 2,248 |
| Net operating income to assets | 1.6766% | 779 |
| Return on assets (ROA) | 1.6766% | 823 |
| Pretax return on assets | 2.2045% | 450 |
| Return on Equity (ROE) | 18.7607% | 335 |
| Retained earnings to average equity (ytd only) | 13.0158% | 278 |
| Net charge-offs to loans | 0.0822% | 1,651 |
| Credit loss provision to net charge-offs | 181.9549% | 1,416 |
| Earnings coverage of net charge-offs (x) | 50.2478% | 1,186 |
| Efficiency ratio | 54.5864% | 4,324 |
| Assets per employee ($millions) | 5.7375% | 1,811 |
| Cash dividends to net income (ytd only)* | 30.6216% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8030% | 672 |
| Loan loss allowance to noncurrent loans | 484.1204% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.2675% | 3,481 |
| Noncurrent loans to loans | 0.3724% | 3,224 |
| Net loans and leases to total assets | 54.4403% | 4,142 |
| Net loans and leases to deposits | 64.8121% | 4,135 |
| Net loans and leases to core deposits | 69.9664% | 4,060 |
| Total domestic deposits to total assets | 83.9971% | 2,830 |
| Equity capital to assets | 9.0745% | 4,741 |
| Core capital (leverage) ratio | 9.1304% | 4,534 |
| Tier 1 risk-based capital ratio | 13.5191% | 3,563 |
| Total risk-based capital ratio | 14.7730% | 3,467 |
| Memoranda: | ||
| Average total assets | $779,098,000 | 995 |
| Average earning assets | $748,405,000 | 963 |
| Average equity | $69,626,250 | 1,226 |
| Average total loans | $431,625,250 | 1,203 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4100% | 3,303 |
| Cost of funding earning assets | 0.5364% | 3,947 |
| Net interest margin | 3.8736% | 2,331 |
| Noninterest income to average assets | 1.3054% | 514 |
| Noninterest expense to average assets | 2.7516% | 2,749 |
| Loan and lease loss provision to assets | 0.0392% | 3,034 |
| Net operating income to assets | 1.6987% | 729 |
| Return on assets (ROA) | 1.6987% | 756 |
| Pretax return on assets | 2.2341% | 418 |
| Return on Equity (ROE) | 19.1128% | 310 |
| Retained earnings to average equity (ytd only) | 10.2915% | 678 |
| Net charge-offs to loans | 0.0396% | 2,094 |
| Credit loss provision to net charge-offs | 178.5714% | 1,323 |
| Earnings coverage of net charge-offs (x) | 103.5595% | 680 |
| Efficiency ratio | 54.6339% | 4,395 |
| Assets per employee ($millions) | 5.0510% | 2,416 |
| Cash dividends to net income (ytd only)* | 46.1538% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8486% | 623 |
| Loan loss allowance to noncurrent loans | 439.8361% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.3278% | 3,223 |
| Noncurrent loans to loans | 0.4203% | 3,027 |
| Net loans and leases to total assets | 54.9401% | 4,148 |
| Net loans and leases to deposits | 63.5319% | 4,249 |
| Net loans and leases to core deposits | 68.7948% | 4,170 |
| Total domestic deposits to total assets | 86.4764% | 1,829 |
| Equity capital to assets | 9.1326% | 4,709 |
| Core capital (leverage) ratio | 8.9753% | 4,643 |
| Tier 1 risk-based capital ratio | 13.3355% | 3,670 |
| Total risk-based capital ratio | 14.5899% | 3,563 |
| Memoranda: | ||
| Average total assets | $765,310,000 | 1,012 |
| Average earning assets | $734,878,670 | 980 |
| Average equity | $68,017,330 | 1,237 |
| Average total loans | $423,879,330 | 1,221 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3320% | 3,456 |
| Cost of funding earning assets | 0.5213% | 3,970 |
| Net interest margin | 3.8107% | 2,488 |
| Noninterest income to average assets | 1.2352% | 537 |
| Noninterest expense to average assets | 2.6739% | 2,982 |
| Loan and lease loss provision to assets | 0.0311% | 3,002 |
| Net operating income to assets | 1.6684% | 779 |
| Return on assets (ROA) | 1.6684% | 810 |
| Pretax return on assets | 2.1901% | 459 |
| Return on Equity (ROE) | 19.0416% | 328 |
| Retained earnings to average equity (ytd only) | 0.9984% | 4,310 |
| Net charge-offs to loans | -0.0010% | 3,804 |
| Credit loss provision to net charge-offs | -5,900.0000% | 4,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4946% | 4,484 |
| Assets per employee ($millions) | 5.3244% | 2,147 |
| Cash dividends to net income (ytd only)* | 94.7568% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8972% | 591 |
| Loan loss allowance to noncurrent loans | 393.4932% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.3630% | 3,148 |
| Noncurrent loans to loans | 0.4821% | 2,864 |
| Net loans and leases to total assets | 54.6243% | 4,161 |
| Net loans and leases to deposits | 62.9759% | 4,244 |
| Net loans and leases to core deposits | 68.4412% | 4,157 |
| Total domestic deposits to total assets | 86.7384% | 1,941 |
| Equity capital to assets | 8.7888% | 4,828 |
| Core capital (leverage) ratio | 8.6628% | 4,903 |
| Tier 1 risk-based capital ratio | 12.9522% | 3,898 |
| Total risk-based capital ratio | 14.2069% | 3,795 |
| Memoranda: | ||
| Average total assets | $759,037,500 | 1,018 |
| Average earning assets | $728,996,000 | 984 |
| Average equity | $66,507,000 | 1,256 |
| Average total loans | $418,117,500 | 1,235 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0207% | 3,964 |
| Cost of funding earning assets | 0.3360% | 4,373 |
| Net interest margin | 3.6846% | 3,097 |
| Noninterest income to average assets | 1.3055% | 544 |
| Noninterest expense to average assets | 2.5877% | 3,371 |
| Loan and lease loss provision to assets | 0.0673% | 2,804 |
| Net operating income to assets | 1.7330% | 633 |
| Return on assets (ROA) | 1.7337% | 635 |
| Pretax return on assets | 2.1906% | 363 |
| Return on Equity (ROE) | 19.9346% | 254 |
| Retained earnings to average equity (ytd only) | 4.3278% | 3,163 |
| Net charge-offs to loans | 0.1232% | 1,504 |
| Credit loss provision to net charge-offs | 99.0020% | 2,580 |
| Earnings coverage of net charge-offs (x) | 33.1896% | 1,504 |
| Efficiency ratio | 53.2822% | 4,681 |
| Assets per employee ($millions) | 5.2915% | 2,156 |
| Cash dividends to net income (ytd only)* | 78.2901% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9363% | 541 |
| Loan loss allowance to noncurrent loans | 531.8454% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.2935% | 3,405 |
| Noncurrent loans to loans | 0.3641% | 3,231 |
| Net loans and leases to total assets | 53.4311% | 4,321 |
| Net loans and leases to deposits | 61.4085% | 4,406 |
| Net loans and leases to core deposits | 66.7511% | 4,311 |
| Total domestic deposits to total assets | 87.0092% | 1,780 |
| Equity capital to assets | 8.7351% | 4,776 |
| Core capital (leverage) ratio | 8.6996% | 4,880 |
| Tier 1 risk-based capital ratio | 13.5135% | 3,541 |
| Total risk-based capital ratio | 14.7690% | 3,445 |
| Memoranda: | ||
| Average total assets | $736,745,000 | 1,009 |
| Average earning assets | $707,668,800 | 977 |
| Average equity | $64,074,600 | 1,250 |
| Average total loans | $406,543,400 | 1,240 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9366% | 4,117 |
| Cost of funding earning assets | 0.2971% | 4,543 |
| Net interest margin | 3.6395% | 3,228 |
| Noninterest income to average assets | 1.3086% | 560 |
| Noninterest expense to average assets | 2.6008% | 3,277 |
| Loan and lease loss provision to assets | 0.0629% | 2,718 |
| Net operating income to assets | 1.6352% | 883 |
| Return on assets (ROA) | 1.6362% | 883 |
| Pretax return on assets | 2.1420% | 439 |
| Return on Equity (ROE) | 18.8347% | 354 |
| Retained earnings to average equity (ytd only) | 3.1042% | 4,196 |
| Net charge-offs to loans | 0.1494% | 1,101 |
| Credit loss provision to net charge-offs | 75.9912% | 2,572 |
| Earnings coverage of net charge-offs (x) | 26.6387% | 1,735 |
| Efficiency ratio | 53.9973% | 4,614 |
| Assets per employee ($millions) | 5.4882% | 1,925 |
| Cash dividends to net income (ytd only)* | 83.5190% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9503% | 534 |
| Loan loss allowance to noncurrent loans | 455.9606% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.3346% | 3,336 |
| Noncurrent loans to loans | 0.4277% | 3,126 |
| Net loans and leases to total assets | 52.6827% | 4,445 |
| Net loans and leases to deposits | 60.6589% | 4,516 |
| Net loans and leases to core deposits | 65.4108% | 4,437 |
| Total domestic deposits to total assets | 86.8507% | 1,799 |
| Equity capital to assets | 8.5344% | 4,904 |
| Core capital (leverage) ratio | 8.6711% | 4,980 |
| Tier 1 risk-based capital ratio | 12.9894% | 3,915 |
| Total risk-based capital ratio | 14.2443% | 3,819 |
| Memoranda: | ||
| Average total assets | $731,760,500 | 1,014 |
| Average earning assets | $702,864,000 | 980 |
| Average equity | $63,569,000 | 1,258 |
| Average total loans | $405,107,500 | 1,243 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8862% | 4,110 |
| Cost of funding earning assets | 0.2784% | 4,572 |
| Net interest margin | 3.6077% | 3,277 |
| Noninterest income to average assets | 1.2791% | 590 |
| Noninterest expense to average assets | 2.6028% | 3,317 |
| Loan and lease loss provision to assets | 0.0684% | 2,513 |
| Net operating income to assets | 1.5806% | 960 |
| Return on assets (ROA) | 1.5806% | 967 |
| Pretax return on assets | 2.0710% | 512 |
| Return on Equity (ROE) | 18.0845% | 412 |
| Retained earnings to average equity (ytd only) | 2.3040% | 4,351 |
| Net charge-offs to loans | 0.1376% | 1,090 |
| Credit loss provision to net charge-offs | 88.8889% | 2,168 |
| Earnings coverage of net charge-offs (x) | 27.7993% | 1,571 |
| Efficiency ratio | 54.7464% | 4,612 |
| Assets per employee ($millions) | 5.1985% | 2,193 |
| Cash dividends to net income (ytd only)* | 87.2600% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9567% | 561 |
| Loan loss allowance to noncurrent loans | 323.1925% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.5146% | 2,701 |
| Noncurrent loans to loans | 0.6054% | 2,601 |
| Net loans and leases to total assets | 54.7817% | 4,269 |
| Net loans and leases to deposits | 60.9991% | 4,476 |
| Net loans and leases to core deposits | 65.6826% | 4,385 |
| Total domestic deposits to total assets | 89.8074% | 631 |
| Equity capital to assets | 8.7326% | 4,771 |
| Core capital (leverage) ratio | 8.8010% | 4,880 |
| Tier 1 risk-based capital ratio | 12.6728% | 4,080 |
| Total risk-based capital ratio | 13.9277% | 3,977 |
| Memoranda: | ||
| Average total assets | $725,054,330 | 1,027 |
| Average earning assets | $696,004,670 | 991 |
| Average equity | $63,369,330 | 1,263 |
| Average total loans | $405,480,330 | 1,245 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7793% | 4,276 |
| Cost of funding earning assets | 0.2525% | 4,696 |
| Net interest margin | 3.5268% | 3,435 |
| Noninterest income to average assets | 1.2884% | 561 |
| Noninterest expense to average assets | 2.5647% | 3,444 |
| Loan and lease loss provision to assets | 0.1133% | 1,667 |
| Net operating income to assets | 1.5327% | 999 |
| Return on assets (ROA) | 1.5327% | 1,005 |
| Pretax return on assets | 2.0003% | 569 |
| Return on Equity (ROE) | 17.5294% | 455 |
| Retained earnings to average equity (ytd only) | 1.7258% | 4,433 |
| Net charge-offs to loans | 0.0850% | 1,299 |
| Credit loss provision to net charge-offs | 238.3721% | 940 |
| Earnings coverage of net charge-offs (x) | 44.4651% | 1,005 |
| Efficiency ratio | 54.6786% | 4,718 |
| Assets per employee ($millions) | 5.0841% | 2,382 |
| Cash dividends to net income (ytd only)* | 90.1551% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9923% | 552 |
| Loan loss allowance to noncurrent loans | 237.0468% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.5413% | 2,720 |
| Noncurrent loans to loans | 0.8405% | 2,134 |
| Net loans and leases to total assets | 55.6317% | 4,151 |
| Net loans and leases to deposits | 62.1180% | 4,331 |
| Net loans and leases to core deposits | 68.1118% | 4,213 |
| Total domestic deposits to total assets | 89.5582% | 855 |
| Equity capital to assets | 8.8089% | 4,733 |
| Core capital (leverage) ratio | 8.7943% | 4,900 |
| Tier 1 risk-based capital ratio | 12.7779% | 4,072 |
| Total risk-based capital ratio | 14.0334% | 3,957 |
| Memoranda: | ||
| Average total assets | $723,684,500 | 1,040 |
| Average earning assets | $695,580,000 | 995 |
| Average equity | $63,276,500 | 1,266 |
| Average total loans | $404,893,000 | 1,248 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4559% | 4,851 |
| Cost of funding earning assets | 0.1904% | 5,015 |
| Net interest margin | 3.2655% | 4,269 |
| Noninterest income to average assets | 1.2489% | 681 |
| Noninterest expense to average assets | 2.4975% | 3,792 |
| Loan and lease loss provision to assets | 0.0992% | 2,244 |
| Net operating income to assets | 1.0013% | 2,235 |
| Return on assets (ROA) | 0.9960% | 2,298 |
| Pretax return on assets | 1.7560% | 885 |
| Return on Equity (ROE) | 10.6896% | 1,593 |
| Retained earnings to average equity (ytd only) | -13.1545% | 5,580 |
| Net charge-offs to loans | 0.2184% | 1,190 |
| Credit loss provision to net charge-offs | 81.6079% | 2,921 |
| Earnings coverage of net charge-offs (x) | 15.3326% | 2,253 |
| Efficiency ratio | 57.1972% | 4,622 |
| Assets per employee ($millions) | 5.2936% | 2,158 |
| Cash dividends to net income (ytd only)* | 223.0583% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9827% | 556 |
| Loan loss allowance to noncurrent loans | 224.7608% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.5495% | 2,728 |
| Noncurrent loans to loans | 0.8822% | 2,017 |
| Net loans and leases to total assets | 54.0567% | 4,358 |
| Net loans and leases to deposits | 60.0972% | 4,560 |
| Net loans and leases to core deposits | 65.8904% | 4,423 |
| Total domestic deposits to total assets | 89.9488% | 586 |
| Equity capital to assets | 8.6797% | 4,968 |
| Core capital (leverage) ratio | 8.5599% | 5,087 |
| Tier 1 risk-based capital ratio | 12.8866% | 3,978 |
| Total risk-based capital ratio | 14.1421% | 3,873 |
| Memoranda: | ||
| Average total assets | $747,152,000 | 988 |
| Average earning assets | $712,027,800 | 964 |
| Average equity | $69,619,000 | 1,141 |
| Average total loans | $415,821,400 | 1,199 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3720% | 5,002 |
| Cost of funding earning assets | 0.1805% | 5,135 |
| Net interest margin | 3.1915% | 4,470 |
| Noninterest income to average assets | 1.2334% | 690 |
| Noninterest expense to average assets | 2.5074% | 3,706 |
| Loan and lease loss provision to assets | 0.0802% | 2,482 |
| Net operating income to assets | 1.0891% | 2,137 |
| Return on assets (ROA) | 1.0880% | 2,199 |
| Pretax return on assets | 1.6786% | 1,173 |
| Return on Equity (ROE) | 11.4855% | 1,496 |
| Retained earnings to average equity (ytd only) | -13.9920% | 5,655 |
| Net charge-offs to loans | 0.1079% | 1,708 |
| Credit loss provision to net charge-offs | 133.3333% | 1,848 |
| Earnings coverage of net charge-offs (x) | 29.2625% | 1,580 |
| Efficiency ratio | 58.7010% | 4,404 |
| Assets per employee ($millions) | 5.3523% | 2,063 |
| Cash dividends to net income (ytd only)* | 221.8236% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0619% | 507 |
| Loan loss allowance to noncurrent loans | 250.5455% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.4874% | 3,104 |
| Noncurrent loans to loans | 0.8229% | 2,310 |
| Net loans and leases to total assets | 53.1706% | 4,481 |
| Net loans and leases to deposits | 60.1819% | 4,629 |
| Net loans and leases to core deposits | 66.3353% | 4,460 |
| Total domestic deposits to total assets | 88.3499% | 1,198 |
| Equity capital to assets | 8.9008% | 4,996 |
| Core capital (leverage) ratio | 8.7965% | 4,974 |
| Tier 1 risk-based capital ratio | 13.0232% | 3,992 |
| Total risk-based capital ratio | 14.2792% | 3,899 |
| Memoranda: | ||
| Average total assets | $751,312,000 | 991 |
| Average earning assets | $714,335,500 | 966 |
| Average equity | $71,172,250 | 1,125 |
| Average total loans | $419,057,000 | 1,194 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6234% | 4,449 |
| Cost of funding earning assets | 0.1887% | 5,077 |
| Net interest margin | 3.4346% | 3,648 |
| Noninterest income to average assets | 1.3458% | 585 |
| Noninterest expense to average assets | 2.7814% | 2,820 |
| Loan and lease loss provision to assets | 0.0824% | 2,339 |
| Net operating income to assets | 1.1580% | 1,749 |
| Return on assets (ROA) | 1.1570% | 1,797 |
| Pretax return on assets | 1.7790% | 881 |
| Return on Equity (ROE) | 13.1078% | 1,010 |
| Retained earnings to average equity (ytd only) | 0.9302% | 4,860 |
| Net charge-offs to loans | 0.0081% | 3,168 |
| Credit loss provision to net charge-offs | 1,840.0000% | 228 |
| Earnings coverage of net charge-offs (x) | 415.9333% | 205 |
| Efficiency ratio | 59.8881% | 4,333 |
| Assets per employee ($millions) | 4.7247% | 2,757 |
| Cash dividends to net income (ytd only)* | 92.9032% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2588% | 397 |
| Loan loss allowance to noncurrent loans | 396.4202% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3172% | 3,855 |
| Noncurrent loans to loans | 0.5698% | 3,020 |
| Net loans and leases to total assets | 52.4331% | 4,528 |
| Net loans and leases to deposits | 58.2555% | 4,738 |
| Net loans and leases to core deposits | 64.5755% | 4,561 |
| Total domestic deposits to total assets | 90.0055% | 536 |
| Equity capital to assets | 8.5541% | 5,264 |
| Core capital (leverage) ratio | 8.7832% | 4,966 |
| Tier 1 risk-based capital ratio | 13.0867% | 3,949 |
| Total risk-based capital ratio | 14.3446% | 3,856 |
| Memoranda: | ||
| Average total assets | $669,811,000 | 1,098 |
| Average earning assets | $643,271,000 | 1,054 |
| Average equity | $59,125,000 | 1,333 |
| Average total loans | $370,415,330 | 1,320 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6204% | 4,367 |
| Cost of funding earning assets | 0.1831% | 5,128 |
| Net interest margin | 3.4374% | 3,494 |
| Noninterest income to average assets | 1.3056% | 600 |
| Noninterest expense to average assets | 2.7555% | 2,938 |
| Loan and lease loss provision to assets | 0.0900% | 2,040 |
| Net operating income to assets | 1.1450% | 1,691 |
| Return on assets (ROA) | 1.1450% | 1,730 |
| Pretax return on assets | 1.7613% | 882 |
| Return on Equity (ROE) | 12.7632% | 1,049 |
| Retained earnings to average equity (ytd only) | 0.5561% | 4,790 |
| Net charge-offs to loans | 0.1072% | 1,310 |
| Credit loss provision to net charge-offs | 149.4949% | 1,218 |
| Earnings coverage of net charge-offs (x) | 30.7374% | 1,204 |
| Efficiency ratio | 59.8125% | 4,476 |
| Assets per employee ($millions) | 4.5593% | 3,082 |
| Cash dividends to net income (ytd only)* | 95.6429% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2110% | 468 |
| Loan loss allowance to noncurrent loans | 425.9605% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.3291% | 3,878 |
| Noncurrent loans to loans | 0.5191% | 3,260 |
| Net loans and leases to total assets | 54.1396% | 4,328 |
| Net loans and leases to deposits | 60.3873% | 4,540 |
| Net loans and leases to core deposits | 67.0901% | 4,345 |
| Total domestic deposits to total assets | 89.6539% | 824 |
| Equity capital to assets | 8.8236% | 4,978 |
| Core capital (leverage) ratio | 9.0451% | 4,684 |
| Tier 1 risk-based capital ratio | 12.7432% | 4,231 |
| Total risk-based capital ratio | 14.0000% | 4,126 |
| Memoranda: | ||
| Average total assets | $657,452,000 | 1,113 |
| Average earning assets | $631,415,000 | 1,072 |
| Average equity | $58,982,000 | 1,334 |
| Average total loans | $369,333,500 | 1,337 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7574% | 4,033 |
| Cost of funding earning assets | 0.1758% | 5,245 |
| Net interest margin | 3.5816% | 3,131 |
| Noninterest income to average assets | 1.4486% | 552 |
| Noninterest expense to average assets | 2.8805% | 2,742 |
| Loan and lease loss provision to assets | 0.0802% | 2,758 |
| Net operating income to assets | 1.2737% | 1,291 |
| Return on assets (ROA) | 1.2737% | 1,363 |
| Pretax return on assets | 1.9274% | 587 |
| Return on Equity (ROE) | 14.6675% | 675 |
| Retained earnings to average equity (ytd only) | 14.6675% | 117 |
| Net charge-offs to loans | 0.2037% | 1,367 |
| Credit loss provision to net charge-offs | 68.4987% | 3,152 |
| Earnings coverage of net charge-offs (x) | 17.1488% | 2,070 |
| Efficiency ratio | 58.9283% | 4,732 |
| Assets per employee ($millions) | 4.5083% | 3,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2184% | 450 |
| Loan loss allowance to noncurrent loans | 412.0768% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.3364% | 3,932 |
| Noncurrent loans to loans | 0.5383% | 3,237 |
| Net loans and leases to total assets | 55.7565% | 4,287 |
| Net loans and leases to deposits | 62.2237% | 4,525 |
| Net loans and leases to core deposits | 69.8379% | 4,256 |
| Total domestic deposits to total assets | 89.6067% | 823 |
| Equity capital to assets | 9.1248% | 4,676 |
| Core capital (leverage) ratio | 9.0929% | 4,625 |
| Tier 1 risk-based capital ratio | 13.0480% | 4,035 |
| Total risk-based capital ratio | 14.3052% | 3,948 |
| Memoranda: | ||
| Average total assets | $637,220,200 | 1,107 |
| Average earning assets | $611,939,200 | 1,070 |
| Average equity | $55,333,400 | 1,387 |
| Average total loans | $366,250,400 | 1,286 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7710% | 4,015 |
| Cost of funding earning assets | 0.1774% | 5,287 |
| Net interest margin | 3.5936% | 3,096 |
| Noninterest income to average assets | 1.4068% | 599 |
| Noninterest expense to average assets | 2.9140% | 2,600 |
| Loan and lease loss provision to assets | 0.0917% | 2,392 |
| Net operating income to assets | 1.2075% | 1,621 |
| Return on assets (ROA) | 1.2075% | 1,716 |
| Pretax return on assets | 1.8538% | 794 |
| Return on Equity (ROE) | 14.0871% | 809 |
| Retained earnings to average equity (ytd only) | 14.0871% | 167 |
| Net charge-offs to loans | 0.1975% | 1,186 |
| Credit loss provision to net charge-offs | 80.6273% | 2,655 |
| Earnings coverage of net charge-offs (x) | 17.1051% | 2,069 |
| Efficiency ratio | 59.9646% | 4,546 |
| Assets per employee ($millions) | 4.7588% | 2,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2958% | 440 |
| Loan loss allowance to noncurrent loans | 310.8818% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.4488% | 3,624 |
| Noncurrent loans to loans | 0.7385% | 2,829 |
| Net loans and leases to total assets | 53.3032% | 4,557 |
| Net loans and leases to deposits | 59.4954% | 4,795 |
| Net loans and leases to core deposits | 66.3946% | 4,580 |
| Total domestic deposits to total assets | 89.5921% | 628 |
| Equity capital to assets | 8.6896% | 5,406 |
| Core capital (leverage) ratio | 8.7327% | 5,122 |
| Tier 1 risk-based capital ratio | 13.0932% | 4,103 |
| Total risk-based capital ratio | 14.3518% | 4,008 |
| Memoranda: | ||
| Average total assets | $635,352,250 | 1,115 |
| Average earning assets | $610,440,250 | 1,074 |
| Average equity | $54,460,000 | 1,420 |
| Average total loans | $365,909,750 | 1,283 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8127% | 3,912 |
| Cost of funding earning assets | 0.1789% | 5,330 |
| Net interest margin | 3.6337% | 2,957 |
| Noninterest income to average assets | 1.4397% | 559 |
| Noninterest expense to average assets | 2.9618% | 2,480 |
| Loan and lease loss provision to assets | 0.1111% | 2,019 |
| Net operating income to assets | 1.2126% | 1,554 |
| Return on assets (ROA) | 1.2115% | 1,653 |
| Pretax return on assets | 1.8527% | 780 |
| Return on Equity (ROE) | 14.2030% | 799 |
| Retained earnings to average equity (ytd only) | 14.2030% | 174 |
| Net charge-offs to loans | 0.2209% | 1,063 |
| Credit loss provision to net charge-offs | 85.7143% | 2,302 |
| Earnings coverage of net charge-offs (x) | 15.1675% | 2,011 |
| Efficiency ratio | 60.1114% | 4,626 |
| Assets per employee ($millions) | 4.3786% | 3,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2818% | 486 |
| Loan loss allowance to noncurrent loans | 329.7190% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.4547% | 3,691 |
| Noncurrent loans to loans | 0.6920% | 3,005 |
| Net loans and leases to total assets | 55.8172% | 4,332 |
| Net loans and leases to deposits | 62.3967% | 4,625 |
| Net loans and leases to core deposits | 70.3516% | 4,296 |
| Total domestic deposits to total assets | 89.4555% | 705 |
| Equity capital to assets | 8.7196% | 5,468 |
| Core capital (leverage) ratio | 8.7246% | 5,141 |
| Tier 1 risk-based capital ratio | 12.1322% | 4,753 |
| Total risk-based capital ratio | 13.3900% | 4,661 |
| Memoranda: | ||
| Average total assets | $626,643,670 | 1,134 |
| Average earning assets | $601,417,330 | 1,086 |
| Average equity | $53,453,330 | 1,442 |
| Average total loans | $367,588,330 | 1,273 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8456% | 3,783 |
| Cost of funding earning assets | 0.1819% | 5,359 |
| Net interest margin | 3.6637% | 2,833 |
| Noninterest income to average assets | 1.4250% | 554 |
| Noninterest expense to average assets | 2.9584% | 2,519 |
| Loan and lease loss provision to assets | 0.1180% | 1,786 |
| Net operating income to assets | 1.2214% | 1,487 |
| Return on assets (ROA) | 1.2181% | 1,601 |
| Pretax return on assets | 1.8635% | 746 |
| Return on Equity (ROE) | 14.4449% | 757 |
| Retained earnings to average equity (ytd only) | 14.4449% | 287 |
| Net charge-offs to loans | 0.1985% | 1,004 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 16.8361% | 1,604 |
| Efficiency ratio | 59.8253% | 4,772 |
| Assets per employee ($millions) | 4.4804% | 3,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2590% | 545 |
| Loan loss allowance to noncurrent loans | 344.8418% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.4548% | 3,773 |
| Noncurrent loans to loans | 0.6551% | 3,208 |
| Net loans and leases to total assets | 57.8729% | 4,054 |
| Net loans and leases to deposits | 64.6995% | 4,367 |
| Net loans and leases to core deposits | 73.2854% | 3,957 |
| Total domestic deposits to total assets | 89.4489% | 860 |
| Equity capital to assets | 8.5363% | 5,544 |
| Core capital (leverage) ratio | 8.6481% | 5,238 |
| Tier 1 risk-based capital ratio | 12.1192% | 4,840 |
| Total risk-based capital ratio | 13.3779% | 4,733 |
| Memoranda: | ||
| Average total assets | $620,329,500 | 1,137 |
| Average earning assets | $596,001,500 | 1,087 |
| Average equity | $52,309,000 | 1,476 |
| Average total loans | $368,804,500 | 1,273 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9545% | 3,501 |
| Cost of funding earning assets | 0.1889% | 5,375 |
| Net interest margin | 3.7656% | 2,502 |
| Noninterest income to average assets | 1.4988% | 552 |
| Noninterest expense to average assets | 2.9738% | 2,630 |
| Loan and lease loss provision to assets | 0.0483% | 3,365 |
| Net operating income to assets | 1.3510% | 1,148 |
| Return on assets (ROA) | 1.3547% | 1,176 |
| Pretax return on assets | 2.0795% | 452 |
| Return on Equity (ROE) | 16.2851% | 527 |
| Retained earnings to average equity (ytd only) | 4.4348% | 2,827 |
| Net charge-offs to loans | 0.1593% | 1,784 |
| Credit loss provision to net charge-offs | 50.8803% | 3,389 |
| Earnings coverage of net charge-offs (x) | 22.3609% | 1,775 |
| Efficiency ratio | 58.3560% | 5,104 |
| Assets per employee ($millions) | 4.4130% | 3,188 |
| Cash dividends to net income (ytd only)* | 72.7676% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2910% | 520 |
| Loan loss allowance to noncurrent loans | 328.6330% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.4958% | 3,651 |
| Noncurrent loans to loans | 0.6971% | 3,103 |
| Net loans and leases to total assets | 58.3332% | 4,038 |
| Net loans and leases to deposits | 64.7209% | 4,417 |
| Net loans and leases to core deposits | 73.3638% | 4,010 |
| Total domestic deposits to total assets | 90.1304% | 580 |
| Equity capital to assets | 8.3263% | 5,686 |
| Core capital (leverage) ratio | 8.2615% | 5,634 |
| Tier 1 risk-based capital ratio | 10.7155% | 5,662 |
| Total risk-based capital ratio | 11.9723% | 5,576 |
| Memoranda: | ||
| Average total assets | $598,498,600 | 1,135 |
| Average earning assets | $571,730,400 | 1,089 |
| Average equity | $49,787,800 | 1,498 |
| Average total loans | $356,617,000 | 1,270 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9799% | 3,410 |
| Cost of funding earning assets | 0.1896% | 5,468 |
| Net interest margin | 3.7903% | 2,424 |
| Noninterest income to average assets | 1.4800% | 563 |
| Noninterest expense to average assets | 3.0061% | 2,503 |
| Loan and lease loss provision to assets | 0.0498% | 3,213 |
| Net operating income to assets | 1.3301% | 1,263 |
| Return on assets (ROA) | 1.3394% | 1,294 |
| Pretax return on assets | 2.0547% | 538 |
| Return on Equity (ROE) | 16.1049% | 576 |
| Retained earnings to average equity (ytd only) | 0.2022% | 5,547 |
| Net charge-offs to loans | 0.0598% | 2,747 |
| Credit loss provision to net charge-offs | 139.6226% | 1,773 |
| Earnings coverage of net charge-offs (x) | 58.6428% | 934 |
| Efficiency ratio | 58.9865% | 5,008 |
| Assets per employee ($millions) | 4.3267% | 3,277 |
| Cash dividends to net income (ytd only)* | 98.7447% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4336% | 483 |
| Loan loss allowance to noncurrent loans | 347.4731% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.5153% | 3,769 |
| Noncurrent loans to loans | 0.7004% | 3,228 |
| Net loans and leases to total assets | 56.9797% | 4,251 |
| Net loans and leases to deposits | 63.0579% | 4,637 |
| Net loans and leases to core deposits | 71.5969% | 4,221 |
| Total domestic deposits to total assets | 90.3610% | 442 |
| Equity capital to assets | 8.0616% | 5,938 |
| Core capital (leverage) ratio | 7.8857% | 5,950 |
| Tier 1 risk-based capital ratio | 10.7500% | 5,782 |
| Total risk-based capital ratio | 12.0086% | 5,709 |
| Memoranda: | ||
| Average total assets | $594,771,000 | 1,153 |
| Average earning assets | $567,464,250 | 1,109 |
| Average equity | $49,466,250 | 1,509 |
| Average total loans | $354,218,500 | 1,284 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0048% | 3,270 |
| Cost of funding earning assets | 0.1909% | 5,524 |
| Net interest margin | 3.8139% | 2,257 |
| Noninterest income to average assets | 1.4756% | 584 |
| Noninterest expense to average assets | 3.0165% | 2,503 |
| Loan and lease loss provision to assets | 0.0629% | 2,858 |
| Net operating income to assets | 1.3243% | 1,254 |
| Return on assets (ROA) | 1.3345% | 1,277 |
| Pretax return on assets | 2.0465% | 549 |
| Return on Equity (ROE) | 15.8762% | 620 |
| Retained earnings to average equity (ytd only) | 0.9101% | 5,203 |
| Net charge-offs to loans | 0.0783% | 2,269 |
| Credit loss provision to net charge-offs | 134.0580% | 1,661 |
| Earnings coverage of net charge-offs (x) | 44.6232% | 1,040 |
| Efficiency ratio | 59.0286% | 5,107 |
| Assets per employee ($millions) | 4.2228% | 3,428 |
| Cash dividends to net income (ytd only)* | 94.2675% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4414% | 519 |
| Loan loss allowance to noncurrent loans | 540.3596% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.3816% | 4,369 |
| Noncurrent loans to loans | 0.4518% | 4,115 |
| Net loans and leases to total assets | 56.1069% | 4,325 |
| Net loans and leases to deposits | 62.3103% | 4,681 |
| Net loans and leases to core deposits | 70.7530% | 4,254 |
| Total domestic deposits to total assets | 90.0443% | 649 |
| Equity capital to assets | 7.9653% | 5,997 |
| Core capital (leverage) ratio | 8.1664% | 5,817 |
| Tier 1 risk-based capital ratio | 11.3156% | 5,570 |
| Total risk-based capital ratio | 12.5753% | 5,494 |
| Memoranda: | ||
| Average total assets | $588,230,670 | 1,170 |
| Average earning assets | $560,576,000 | 1,120 |
| Average equity | $49,445,000 | 1,520 |
| Average total loans | $352,687,670 | 1,292 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0480% | 3,059 |
| Cost of funding earning assets | 0.1958% | 5,548 |
| Net interest margin | 3.8522% | 2,056 |
| Noninterest income to average assets | 1.4392% | 567 |
| Noninterest expense to average assets | 3.0414% | 2,450 |
| Loan and lease loss provision to assets | 0.0706% | 2,526 |
| Net operating income to assets | 1.3054% | 1,254 |
| Return on assets (ROA) | 1.3232% | 1,279 |
| Pretax return on assets | 2.0274% | 556 |
| Return on Equity (ROE) | 15.3059% | 666 |
| Retained earnings to average equity (ytd only) | 0.7443% | 5,154 |
| Net charge-offs to loans | 0.1267% | 1,496 |
| Credit loss provision to net charge-offs | 90.9910% | 1,735 |
| Earnings coverage of net charge-offs (x) | 26.6757% | 1,234 |
| Efficiency ratio | 59.4938% | 5,159 |
| Assets per employee ($millions) | 4.4170% | 3,176 |
| Cash dividends to net income (ytd only)* | 95.1374% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4440% | 574 |
| Loan loss allowance to noncurrent loans | 337.5828% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.5146% | 3,964 |
| Noncurrent loans to loans | 0.7240% | 3,448 |
| Net loans and leases to total assets | 57.5384% | 4,021 |
| Net loans and leases to deposits | 63.9603% | 4,374 |
| Net loans and leases to core deposits | 73.1549% | 3,855 |
| Total domestic deposits to total assets | 89.9594% | 759 |
| Equity capital to assets | 8.2543% | 5,901 |
| Core capital (leverage) ratio | 8.4436% | 5,581 |
| Tier 1 risk-based capital ratio | 11.9559% | 5,269 |
| Total risk-based capital ratio | 13.2168% | 5,153 |
| Memoranda: | ||
| Average total assets | $571,967,000 | 1,204 |
| Average earning assets | $545,355,500 | 1,163 |
| Average equity | $49,445,000 | 1,525 |
| Average total loans | $350,529,500 | 1,294 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1926% | 2,976 |
| Cost of funding earning assets | 0.2144% | 5,630 |
| Net interest margin | 3.9782% | 1,955 |
| Noninterest income to average assets | 1.5548% | 514 |
| Noninterest expense to average assets | 3.0911% | 2,547 |
| Loan and lease loss provision to assets | 0.1185% | 2,197 |
| Net operating income to assets | 1.3866% | 1,107 |
| Return on assets (ROA) | 1.3875% | 1,139 |
| Pretax return on assets | 2.1164% | 393 |
| Return on Equity (ROE) | 15.6157% | 677 |
| Retained earnings to average equity (ytd only) | 0.3719% | 5,612 |
| Net charge-offs to loans | 0.2133% | 1,960 |
| Credit loss provision to net charge-offs | 88.2907% | 2,680 |
| Earnings coverage of net charge-offs (x) | 16.6447% | 1,995 |
| Efficiency ratio | 58.0538% | 5,451 |
| Assets per employee ($millions) | 4.0844% | 3,756 |
| Cash dividends to net income (ytd only)* | 97.6181% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5000% | 551 |
| Loan loss allowance to noncurrent loans | 477.1051% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.4063% | 4,473 |
| Noncurrent loans to loans | 0.5240% | 4,100 |
| Net loans and leases to total assets | 62.2381% | 3,469 |
| Net loans and leases to deposits | 69.9383% | 3,916 |
| Net loans and leases to core deposits | 77.2348% | 3,591 |
| Total domestic deposits to total assets | 88.9901% | 1,244 |
| Equity capital to assets | 9.0764% | 5,207 |
| Core capital (leverage) ratio | 8.4651% | 5,588 |
| Tier 1 risk-based capital ratio | 13.1573% | 4,619 |
| Total risk-based capital ratio | 14.4208% | 4,538 |
| Memoranda: | ||
| Average total assets | $553,715,600 | 1,209 |
| Average earning assets | $524,710,000 | 1,162 |
| Average equity | $49,200,600 | 1,464 |
| Average total loans | $348,256,000 | 1,264 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1861% | 3,040 |
| Cost of funding earning assets | 0.2154% | 5,713 |
| Net interest margin | 3.9708% | 1,963 |
| Noninterest income to average assets | 1.5360% | 534 |
| Noninterest expense to average assets | 3.0755% | 2,541 |
| Loan and lease loss provision to assets | 0.2212% | 1,034 |
| Net operating income to assets | 1.3149% | 1,328 |
| Return on assets (ROA) | 1.3171% | 1,381 |
| Pretax return on assets | 2.0028% | 563 |
| Return on Equity (ROE) | 14.9017% | 846 |
| Retained earnings to average equity (ytd only) | 0.8026% | 5,559 |
| Net charge-offs to loans | 0.2042% | 1,840 |
| Credit loss provision to net charge-offs | 172.8464% | 1,435 |
| Earnings coverage of net charge-offs (x) | 17.3521% | 1,909 |
| Efficiency ratio | 58.0705% | 5,434 |
| Assets per employee ($millions) | 4.4732% | 3,017 |
| Cash dividends to net income (ytd only)* | 94.6142% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6706% | 509 |
| Loan loss allowance to noncurrent loans | 430.3529% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.5628% | 4,168 |
| Noncurrent loans to loans | 0.6206% | 4,065 |
| Net loans and leases to total assets | 56.8765% | 4,215 |
| Net loans and leases to deposits | 63.4333% | 4,601 |
| Net loans and leases to core deposits | 73.0114% | 4,049 |
| Total domestic deposits to total assets | 89.6635% | 898 |
| Equity capital to assets | 8.4293% | 5,853 |
| Core capital (leverage) ratio | 8.4188% | 5,739 |
| Tier 1 risk-based capital ratio | 13.4704% | 4,565 |
| Total risk-based capital ratio | 14.7364% | 4,487 |
| Memoranda: | ||
| Average total assets | $556,339,500 | 1,206 |
| Average earning assets | $526,839,500 | 1,159 |
| Average equity | $49,174,500 | 1,465 |
| Average total loans | $348,630,250 | 1,269 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2610% | 2,731 |
| Cost of funding earning assets | 0.2219% | 5,729 |
| Net interest margin | 4.0391% | 1,693 |
| Noninterest income to average assets | 1.5683% | 508 |
| Noninterest expense to average assets | 3.1150% | 2,438 |
| Loan and lease loss provision to assets | 0.2708% | 766 |
| Net operating income to assets | 1.3179% | 1,254 |
| Return on assets (ROA) | 1.3212% | 1,299 |
| Pretax return on assets | 2.0049% | 548 |
| Return on Equity (ROE) | 14.7044% | 838 |
| Retained earnings to average equity (ytd only) | 0.8554% | 5,401 |
| Net charge-offs to loans | 0.1785% | 1,966 |
| Credit loss provision to net charge-offs | 236.4217% | 1,028 |
| Earnings coverage of net charge-offs (x) | 19.8211% | 1,609 |
| Efficiency ratio | 57.8389% | 5,574 |
| Assets per employee ($millions) | 4.1382% | 3,567 |
| Cash dividends to net income (ytd only)* | 94.1828% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6445% | 577 |
| Loan loss allowance to noncurrent loans | 345.6154% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.7018% | 3,877 |
| Noncurrent loans to loans | 0.7652% | 3,795 |
| Net loans and leases to total assets | 58.7728% | 3,890 |
| Net loans and leases to deposits | 65.8331% | 4,284 |
| Net loans and leases to core deposits | 76.3218% | 3,597 |
| Total domestic deposits to total assets | 89.2755% | 1,210 |
| Equity capital to assets | 8.5846% | 5,727 |
| Core capital (leverage) ratio | 8.7703% | 5,307 |
| Tier 1 risk-based capital ratio | 13.1124% | 4,842 |
| Total risk-based capital ratio | 14.3777% | 4,764 |
| Memoranda: | ||
| Average total assets | $546,455,330 | 1,228 |
| Average earning assets | $516,456,330 | 1,187 |
| Average equity | $49,101,000 | 1,461 |
| Average total loans | $350,694,670 | 1,255 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3225% | 2,437 |
| Cost of funding earning assets | 0.2306% | 5,751 |
| Net interest margin | 4.0920% | 1,478 |
| Noninterest income to average assets | 1.5862% | 484 |
| Noninterest expense to average assets | 3.1319% | 2,432 |
| Loan and lease loss provision to assets | 0.2857% | 699 |
| Net operating income to assets | 1.3371% | 1,131 |
| Return on assets (ROA) | 1.3336% | 1,179 |
| Pretax return on assets | 2.0328% | 501 |
| Return on Equity (ROE) | 14.4930% | 861 |
| Retained earnings to average equity (ytd only) | 1.4215% | 5,048 |
| Net charge-offs to loans | 0.2679% | 1,272 |
| Credit loss provision to net charge-offs | 161.0169% | 1,196 |
| Earnings coverage of net charge-offs (x) | 13.0975% | 1,681 |
| Efficiency ratio | 57.4066% | 5,715 |
| Assets per employee ($millions) | 4.2822% | 3,379 |
| Cash dividends to net income (ytd only)* | 90.1917% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5233% | 797 |
| Loan loss allowance to noncurrent loans | 315.9389% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.7473% | 3,882 |
| Noncurrent loans to loans | 0.7987% | 3,875 |
| Net loans and leases to total assets | 61.7613% | 3,277 |
| Net loans and leases to deposits | 69.3356% | 3,684 |
| Net loans and leases to core deposits | 80.8798% | 2,865 |
| Total domestic deposits to total assets | 89.0759% | 1,607 |
| Equity capital to assets | 8.8161% | 5,314 |
| Core capital (leverage) ratio | 9.0745% | 4,904 |
| Tier 1 risk-based capital ratio | 13.1444% | 4,925 |
| Total risk-based capital ratio | 14.4088% | 4,848 |
| Memoranda: | ||
| Average total assets | $532,076,500 | 1,273 |
| Average earning assets | $503,132,500 | 1,231 |
| Average equity | $48,961,500 | 1,465 |
| Average total loans | $352,416,000 | 1,246 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4978% | 2,213 |
| Cost of funding earning assets | 0.2752% | 5,794 |
| Net interest margin | 4.2226% | 1,294 |
| Noninterest income to average assets | 1.7794% | 473 |
| Noninterest expense to average assets | 3.3824% | 1,920 |
| Loan and lease loss provision to assets | 0.2937% | 1,154 |
| Net operating income to assets | 1.3693% | 1,092 |
| Return on assets (ROA) | 1.3659% | 1,145 |
| Pretax return on assets | 2.0883% | 397 |
| Return on Equity (ROE) | 15.2210% | 722 |
| Retained earnings to average equity (ytd only) | 8.9743% | 771 |
| Net charge-offs to loans | 0.4635% | 1,434 |
| Credit loss provision to net charge-offs | 93.9629% | 2,653 |
| Earnings coverage of net charge-offs (x) | 7.6366% | 2,799 |
| Efficiency ratio | 58.6243% | 5,660 |
| Assets per employee ($millions) | 3.8155% | 4,231 |
| Cash dividends to net income (ytd only)* | 41.0397% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4867% | 838 |
| Loan loss allowance to noncurrent loans | 222.2335% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 1.0414% | 3,338 |
| Noncurrent loans to loans | 1.1189% | 3,298 |
| Net loans and leases to total assets | 67.6614% | 2,413 |
| Net loans and leases to deposits | 76.8332% | 2,878 |
| Net loans and leases to core deposits | 85.6253% | 2,493 |
| Total domestic deposits to total assets | 88.0627% | 2,141 |
| Equity capital to assets | 9.6252% | 4,249 |
| Core capital (leverage) ratio | 9.0172% | 4,971 |
| Tier 1 risk-based capital ratio | 13.2701% | 4,809 |
| Total risk-based capital ratio | 14.5344% | 4,738 |
| Memoranda: | ||
| Average total assets | $535,181,800 | 1,242 |
| Average earning assets | $505,731,200 | 1,203 |
| Average equity | $48,025,800 | 1,463 |
| Average total loans | $360,949,200 | 1,186 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4822% | 2,304 |
| Cost of funding earning assets | 0.2834% | 5,864 |
| Net interest margin | 4.1988% | 1,336 |
| Noninterest income to average assets | 1.7738% | 493 |
| Noninterest expense to average assets | 3.2020% | 2,362 |
| Loan and lease loss provision to assets | 0.3436% | 945 |
| Net operating income to assets | 1.4309% | 1,028 |
| Return on assets (ROA) | 1.4299% | 1,090 |
| Pretax return on assets | 2.1948% | 392 |
| Return on Equity (ROE) | 16.2101% | 623 |
| Retained earnings to average equity (ytd only) | 16.2101% | 153 |
| Net charge-offs to loans | 0.3638% | 1,741 |
| Credit loss provision to net charge-offs | 140.9687% | 1,665 |
| Earnings coverage of net charge-offs (x) | 10.4208% | 2,359 |
| Efficiency ratio | 55.7654% | 5,934 |
| Assets per employee ($millions) | 4.1603% | 3,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6378% | 800 |
| Loan loss allowance to noncurrent loans | 265.4155% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.8274% | 4,041 |
| Noncurrent loans to loans | 0.9939% | 3,820 |
| Net loans and leases to total assets | 61.7894% | 3,400 |
| Net loans and leases to deposits | 69.7892% | 3,814 |
| Net loans and leases to core deposits | 80.0970% | 3,123 |
| Total domestic deposits to total assets | 88.5373% | 1,822 |
| Equity capital to assets | 9.1016% | 5,058 |
| Core capital (leverage) ratio | 8.9974% | 5,132 |
| Tier 1 risk-based capital ratio | 13.9535% | 4,467 |
| Total risk-based capital ratio | 15.2202% | 4,400 |
| Memoranda: | ||
| Average total assets | $542,110,250 | 1,238 |
| Average earning assets | $512,328,000 | 1,196 |
| Average equity | $47,821,000 | 1,477 |
| Average total loans | $363,157,500 | 1,180 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5520% | 2,022 |
| Cost of funding earning assets | 0.2956% | 5,863 |
| Net interest margin | 4.2564% | 1,122 |
| Noninterest income to average assets | 1.7783% | 532 |
| Noninterest expense to average assets | 3.1662% | 2,457 |
| Loan and lease loss provision to assets | 0.4194% | 723 |
| Net operating income to assets | 1.4410% | 1,000 |
| Return on assets (ROA) | 1.4410% | 1,079 |
| Pretax return on assets | 2.2104% | 405 |
| Return on Equity (ROE) | 16.5154% | 599 |
| Retained earnings to average equity (ytd only) | 16.5154% | 175 |
| Net charge-offs to loans | 0.4903% | 1,334 |
| Credit loss provision to net charge-offs | 125.4444% | 1,796 |
| Earnings coverage of net charge-offs (x) | 7.8656% | 2,488 |
| Efficiency ratio | 54.6276% | 6,091 |
| Assets per employee ($millions) | 4.1024% | 3,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4961% | 992 |
| Loan loss allowance to noncurrent loans | 189.7265% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 1.0944% | 3,544 |
| Noncurrent loans to loans | 1.3156% | 3,357 |
| Net loans and leases to total assets | 63.6133% | 2,982 |
| Net loans and leases to deposits | 71.8313% | 3,475 |
| Net loans and leases to core deposits | 83.4453% | 2,633 |
| Total domestic deposits to total assets | 88.5593% | 1,884 |
| Equity capital to assets | 8.6988% | 5,552 |
| Core capital (leverage) ratio | 8.8588% | 5,212 |
| Tier 1 risk-based capital ratio | 12.9086% | 5,215 |
| Total risk-based capital ratio | 14.1735% | 5,141 |
| Memoranda: | ||
| Average total assets | $538,372,670 | 1,246 |
| Average earning assets | $508,174,670 | 1,209 |
| Average equity | $46,974,330 | 1,510 |
| Average total loans | $367,157,330 | 1,159 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6376% | 1,720 |
| Cost of funding earning assets | 0.3131% | 5,863 |
| Net interest margin | 4.3245% | 922 |
| Noninterest income to average assets | 1.8441% | 487 |
| Noninterest expense to average assets | 3.1412% | 2,539 |
| Loan and lease loss provision to assets | 0.4548% | 622 |
| Net operating income to assets | 1.5134% | 836 |
| Return on assets (ROA) | 1.5134% | 912 |
| Pretax return on assets | 2.3239% | 342 |
| Return on Equity (ROE) | 17.3179% | 485 |
| Retained earnings to average equity (ytd only) | 17.3179% | 220 |
| Net charge-offs to loans | 0.5956% | 1,025 |
| Credit loss provision to net charge-offs | 109.4718% | 1,700 |
| Earnings coverage of net charge-offs (x) | 6.6885% | 2,184 |
| Efficiency ratio | 53.0615% | 6,299 |
| Assets per employee ($millions) | 4.2301% | 3,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4248% | 1,208 |
| Loan loss allowance to noncurrent loans | 145.9774% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 1.7181% | 2,716 |
| Noncurrent loans to loans | 1.6611% | 3,053 |
| Net loans and leases to total assets | 65.1929% | 2,514 |
| Net loans and leases to deposits | 73.4622% | 2,993 |
| Net loans and leases to core deposits | 87.8635% | 1,924 |
| Total domestic deposits to total assets | 88.7435% | 1,840 |
| Equity capital to assets | 8.5835% | 5,934 |
| Core capital (leverage) ratio | 8.7423% | 5,268 |
| Tier 1 risk-based capital ratio | 12.3165% | 5,705 |
| Total risk-based capital ratio | 13.5806% | 5,649 |
| Memoranda: | ||
| Average total assets | $528,594,500 | 1,281 |
| Average earning assets | $498,188,500 | 1,243 |
| Average equity | $46,195,000 | 1,549 |
| Average total loans | $368,734,500 | 1,158 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9395% | 1,717 |
| Cost of funding earning assets | 0.3959% | 5,947 |
| Net interest margin | 4.5435% | 869 |
| Noninterest income to average assets | 1.9116% | 464 |
| Noninterest expense to average assets | 3.3265% | 2,265 |
| Loan and lease loss provision to assets | 1.1574% | 311 |
| Net operating income to assets | 1.1358% | 1,819 |
| Return on assets (ROA) | 1.1351% | 1,993 |
| Pretax return on assets | 1.7087% | 1,117 |
| Return on Equity (ROE) | 13.6858% | 1,055 |
| Retained earnings to average equity (ytd only) | 7.3691% | 1,385 |
| Net charge-offs to loans | 1.6707% | 499 |
| Credit loss provision to net charge-offs | 97.0811% | 3,195 |
| Earnings coverage of net charge-offs (x) | 2.4051% | 4,208 |
| Efficiency ratio | 53.7077% | 6,292 |
| Assets per employee ($millions) | 3.7576% | 4,452 |
| Cash dividends to net income (ytd only)* | 46.1551% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3934% | 1,240 |
| Loan loss allowance to noncurrent loans | 124.0650% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 1.9991% | 2,451 |
| Noncurrent loans to loans | 1.9292% | 2,773 |
| Net loans and leases to total assets | 71.2036% | 1,617 |
| Net loans and leases to deposits | 80.2404% | 2,247 |
| Net loans and leases to core deposits | 91.8102% | 1,649 |
| Total domestic deposits to total assets | 88.7379% | 1,740 |
| Equity capital to assets | 8.9080% | 5,625 |
| Core capital (leverage) ratio | 8.4902% | 5,624 |
| Tier 1 risk-based capital ratio | 11.6505% | 5,997 |
| Total risk-based capital ratio | 12.9141% | 5,947 |
| Memoranda: | ||
| Average total assets | $520,152,000 | 1,280 |
| Average earning assets | $490,235,600 | 1,241 |
| Average equity | $43,139,600 | 1,614 |
| Average total loans | $371,159,200 | 1,126 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9647% | 1,789 |
| Cost of funding earning assets | 0.4082% | 6,071 |
| Net interest margin | 4.5565% | 891 |
| Noninterest income to average assets | 1.7287% | 525 |
| Noninterest expense to average assets | 3.3467% | 2,145 |
| Loan and lease loss provision to assets | 0.8677% | 525 |
| Net operating income to assets | 1.1969% | 1,755 |
| Return on assets (ROA) | 1.1966% | 1,927 |
| Pretax return on assets | 1.8108% | 1,018 |
| Return on Equity (ROE) | 14.6912% | 956 |
| Retained earnings to average equity (ytd only) | 6.1680% | 2,587 |
| Net charge-offs to loans | 1.3325% | 698 |
| Credit loss provision to net charge-offs | 91.7565% | 3,237 |
| Earnings coverage of net charge-offs (x) | 2.8330% | 3,904 |
| Efficiency ratio | 55.5405% | 6,101 |
| Assets per employee ($millions) | 3.8911% | 4,110 |
| Cash dividends to net income (ytd only)* | 58.0157% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3710% | 1,400 |
| Loan loss allowance to noncurrent loans | 108.3375% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 1.8292% | 2,885 |
| Noncurrent loans to loans | 2.1886% | 2,631 |
| Net loans and leases to total assets | 67.4464% | 2,377 |
| Net loans and leases to deposits | 75.6057% | 3,038 |
| Net loans and leases to core deposits | 90.3117% | 1,951 |
| Total domestic deposits to total assets | 89.2081% | 1,306 |
| Equity capital to assets | 8.2653% | 6,448 |
| Core capital (leverage) ratio | 8.0332% | 6,294 |
| Tier 1 risk-based capital ratio | 11.2970% | 6,361 |
| Total risk-based capital ratio | 12.5602% | 6,314 |
| Memoranda: | ||
| Average total assets | $523,371,250 | 1,289 |
| Average earning assets | $493,550,250 | 1,249 |
| Average equity | $42,627,500 | 1,652 |
| Average total loans | $371,435,250 | 1,136 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0833% | 1,554 |
| Cost of funding earning assets | 0.4221% | 6,152 |
| Net interest margin | 4.6612% | 730 |
| Noninterest income to average assets | 1.7319% | 506 |
| Noninterest expense to average assets | 3.3472% | 2,163 |
| Loan and lease loss provision to assets | 0.8490% | 577 |
| Net operating income to assets | 1.2697% | 1,517 |
| Return on assets (ROA) | 1.2697% | 1,682 |
| Pretax return on assets | 1.9264% | 811 |
| Return on Equity (ROE) | 15.6680% | 824 |
| Retained earnings to average equity (ytd only) | 2.7379% | 4,799 |
| Net charge-offs to loans | 1.2784% | 839 |
| Credit loss provision to net charge-offs | 92.7341% | 2,961 |
| Earnings coverage of net charge-offs (x) | 3.0315% | 3,533 |
| Efficiency ratio | 54.6693% | 6,254 |
| Assets per employee ($millions) | 3.9022% | 4,066 |
| Cash dividends to net income (ytd only)* | 82.5257% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3933% | 1,426 |
| Loan loss allowance to noncurrent loans | 154.3081% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 1.6631% | 3,223 |
| Noncurrent loans to loans | 1.5510% | 3,584 |
| Net loans and leases to total assets | 67.6298% | 2,338 |
| Net loans and leases to deposits | 75.4286% | 3,059 |
| Net loans and leases to core deposits | 91.0916% | 1,865 |
| Total domestic deposits to total assets | 89.6607% | 1,121 |
| Equity capital to assets | 7.9576% | 6,589 |
| Core capital (leverage) ratio | 7.9781% | 6,295 |
| Tier 1 risk-based capital ratio | 10.7942% | 6,586 |
| Total risk-based capital ratio | 12.0574% | 6,562 |
| Memoranda: | ||
| Average total assets | $520,132,670 | 1,304 |
| Average earning assets | $489,957,670 | 1,257 |
| Average equity | $42,149,670 | 1,655 |
| Average total loans | $372,487,000 | 1,135 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1662% | 1,393 |
| Cost of funding earning assets | 0.4424% | 6,196 |
| Net interest margin | 4.7238% | 659 |
| Noninterest income to average assets | 1.8163% | 475 |
| Noninterest expense to average assets | 3.4299% | 1,935 |
| Loan and lease loss provision to assets | 0.6902% | 767 |
| Net operating income to assets | 1.4077% | 1,214 |
| Return on assets (ROA) | 1.4077% | 1,360 |
| Pretax return on assets | 2.1517% | 582 |
| Return on Equity (ROE) | 17.2093% | 639 |
| Retained earnings to average equity (ytd only) | 0.7627% | 5,752 |
| Net charge-offs to loans | 1.3911% | 725 |
| Credit loss provision to net charge-offs | 68.1293% | 2,955 |
| Earnings coverage of net charge-offs (x) | 2.8052% | 3,059 |
| Efficiency ratio | 54.6879% | 6,267 |
| Assets per employee ($millions) | 3.9980% | 4,015 |
| Cash dividends to net income (ytd only)* | 95.5679% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3037% | 1,670 |
| Loan loss allowance to noncurrent loans | 123.4469% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 1.6843% | 3,335 |
| Noncurrent loans to loans | 1.8662% | 3,321 |
| Net loans and leases to total assets | 69.8306% | 1,780 |
| Net loans and leases to deposits | 77.9042% | 2,531 |
| Net loans and leases to core deposits | 96.5063% | 1,257 |
| Total domestic deposits to total assets | 89.6365% | 1,281 |
| Equity capital to assets | 8.0215% | 6,510 |
| Core capital (leverage) ratio | 8.1067% | 6,150 |
| Tier 1 risk-based capital ratio | 10.6893% | 6,677 |
| Total risk-based capital ratio | 11.9524% | 6,654 |
| Memoranda: | ||
| Average total assets | $512,899,500 | 1,322 |
| Average earning assets | $483,764,000 | 1,288 |
| Average equity | $41,954,000 | 1,647 |
| Average total loans | $373,524,000 | 1,132 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4035% | 1,410 |
| Cost of funding earning assets | 0.5408% | 6,382 |
| Net interest margin | 4.8627% | 554 |
| Noninterest income to average assets | 1.5649% | 550 |
| Noninterest expense to average assets | 3.4404% | 2,140 |
| Loan and lease loss provision to assets | 0.7570% | 1,326 |
| Net operating income to assets | 1.2596% | 1,351 |
| Return on assets (ROA) | 1.2596% | 1,452 |
| Pretax return on assets | 1.9475% | 596 |
| Return on Equity (ROE) | 15.5240% | 674 |
| Retained earnings to average equity (ytd only) | 4.0302% | 3,324 |
| Net charge-offs to loans | 0.9121% | 1,904 |
| Credit loss provision to net charge-offs | 109.0623% | 3,079 |
| Earnings coverage of net charge-offs (x) | 3.8965% | 3,343 |
| Efficiency ratio | 55.9882% | 6,317 |
| Assets per employee ($millions) | 3.9224% | 4,028 |
| Cash dividends to net income (ytd only)* | 74.0391% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4250% | 1,416 |
| Loan loss allowance to noncurrent loans | 162.4663% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 1.4638% | 3,779 |
| Noncurrent loans to loans | 1.4926% | 3,910 |
| Net loans and leases to total assets | 72.4327% | 1,569 |
| Net loans and leases to deposits | 81.6711% | 2,248 |
| Net loans and leases to core deposits | 102.2680% | 1,004 |
| Total domestic deposits to total assets | 88.6883% | 1,727 |
| Equity capital to assets | 8.3449% | 6,308 |
| Core capital (leverage) ratio | 8.1334% | 6,096 |
| Tier 1 risk-based capital ratio | 10.8087% | 6,552 |
| Total risk-based capital ratio | 12.0735% | 6,531 |
| Memoranda: | ||
| Average total assets | $503,978,800 | 1,328 |
| Average earning assets | $474,678,200 | 1,290 |
| Average equity | $40,891,600 | 1,646 |
| Average total loans | $383,511,800 | 1,108 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4150% | 1,468 |
| Cost of funding earning assets | 0.5554% | 6,495 |
| Net interest margin | 4.8596% | 558 |
| Noninterest income to average assets | 1.5084% | 578 |
| Noninterest expense to average assets | 3.4650% | 2,037 |
| Loan and lease loss provision to assets | 0.6029% | 1,635 |
| Net operating income to assets | 1.2967% | 1,382 |
| Return on assets (ROA) | 1.2967% | 1,479 |
| Pretax return on assets | 2.0172% | 608 |
| Return on Equity (ROE) | 16.0953% | 668 |
| Retained earnings to average equity (ytd only) | 5.5969% | 2,795 |
| Net charge-offs to loans | 0.8489% | 1,876 |
| Credit loss provision to net charge-offs | 92.7613% | 3,677 |
| Earnings coverage of net charge-offs (x) | 4.0313% | 3,205 |
| Efficiency ratio | 56.9431% | 6,157 |
| Assets per employee ($millions) | 3.9114% | 4,044 |
| Cash dividends to net income (ytd only)* | 65.2263% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2568% | 1,760 |
| Loan loss allowance to noncurrent loans | 126.1704% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 1.6657% | 3,585 |
| Noncurrent loans to loans | 1.7887% | 3,649 |
| Net loans and leases to total assets | 71.6655% | 1,783 |
| Net loans and leases to deposits | 80.2589% | 2,617 |
| Net loans and leases to core deposits | 99.6920% | 1,273 |
| Total domestic deposits to total assets | 89.2929% | 1,262 |
| Equity capital to assets | 8.1325% | 6,617 |
| Core capital (leverage) ratio | 8.0160% | 6,382 |
| Tier 1 risk-based capital ratio | 10.6698% | 6,715 |
| Total risk-based capital ratio | 11.9319% | 6,694 |
| Memoranda: | ||
| Average total assets | $504,457,000 | 1,331 |
| Average earning assets | $475,085,000 | 1,293 |
| Average equity | $40,640,250 | 1,657 |
| Average total loans | $386,215,250 | 1,119 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4546% | 1,401 |
| Cost of funding earning assets | 0.5722% | 6,576 |
| Net interest margin | 4.8824% | 508 |
| Noninterest income to average assets | 1.6359% | 491 |
| Noninterest expense to average assets | 3.5324% | 1,905 |
| Loan and lease loss provision to assets | 0.6913% | 1,377 |
| Net operating income to assets | 1.2827% | 1,362 |
| Return on assets (ROA) | 1.2827% | 1,431 |
| Pretax return on assets | 2.0048% | 586 |
| Return on Equity (ROE) | 15.9737% | 678 |
| Retained earnings to average equity (ytd only) | 0.0498% | 5,814 |
| Net charge-offs to loans | 1.0068% | 1,561 |
| Credit loss provision to net charge-offs | 88.4006% | 3,503 |
| Earnings coverage of net charge-offs (x) | 3.4476% | 3,164 |
| Efficiency ratio | 56.7139% | 6,329 |
| Assets per employee ($millions) | 3.7474% | 4,324 |
| Cash dividends to net income (ytd only)* | 99.6885% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2307% | 1,859 |
| Loan loss allowance to noncurrent loans | 123.6750% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 1.9942% | 3,243 |
| Noncurrent loans to loans | 1.8037% | 3,749 |
| Net loans and leases to total assets | 72.5135% | 1,683 |
| Net loans and leases to deposits | 81.4288% | 2,534 |
| Net loans and leases to core deposits | 102.8276% | 1,128 |
| Total domestic deposits to total assets | 89.0514% | 1,505 |
| Equity capital to assets | 7.8437% | 6,775 |
| Core capital (leverage) ratio | 7.9261% | 6,386 |
| Tier 1 risk-based capital ratio | 10.2197% | 6,909 |
| Total risk-based capital ratio | 11.4816% | 6,890 |
| Memoranda: | ||
| Average total assets | $500,509,330 | 1,344 |
| Average earning assets | $470,791,670 | 1,312 |
| Average equity | $40,191,000 | 1,668 |
| Average total loans | $388,769,670 | 1,123 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5083% | 1,272 |
| Cost of funding earning assets | 0.5910% | 6,645 |
| Net interest margin | 4.9173% | 441 |
| Noninterest income to average assets | 1.6637% | 492 |
| Noninterest expense to average assets | 3.5372% | 1,913 |
| Loan and lease loss provision to assets | 0.6072% | 1,414 |
| Net operating income to assets | 1.3650% | 1,128 |
| Return on assets (ROA) | 1.3650% | 1,178 |
| Pretax return on assets | 2.1471% | 436 |
| Return on Equity (ROE) | 16.7962% | 597 |
| Retained earnings to average equity (ytd only) | -0.1395% | 5,813 |
| Net charge-offs to loans | 0.9237% | 1,443 |
| Credit loss provision to net charge-offs | 82.6902% | 3,103 |
| Earnings coverage of net charge-offs (x) | 3.7508% | 2,642 |
| Efficiency ratio | 56.2219% | 6,482 |
| Assets per employee ($millions) | 3.8691% | 4,145 |
| Cash dividends to net income (ytd only)* | 100.8304% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2092% | 1,944 |
| Loan loss allowance to noncurrent loans | 88.2250% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 2.7572% | 2,506 |
| Noncurrent loans to loans | 2.5041% | 2,979 |
| Net loans and leases to total assets | 76.5445% | 957 |
| Net loans and leases to deposits | 85.6389% | 1,786 |
| Net loans and leases to core deposits | 108.7596% | 799 |
| Total domestic deposits to total assets | 89.3805% | 1,542 |
| Equity capital to assets | 8.1014% | 6,391 |
| Core capital (leverage) ratio | 8.0654% | 6,170 |
| Tier 1 risk-based capital ratio | 10.2024% | 6,929 |
| Total risk-based capital ratio | 11.4645% | 6,921 |
| Memoranda: | ||
| Average total assets | $494,068,500 | 1,366 |
| Average earning assets | $464,968,500 | 1,332 |
| Average equity | $40,152,000 | 1,662 |
| Average total loans | $392,768,500 | 1,117 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8614% | 1,131 |
| Cost of funding earning assets | 0.7287% | 6,794 |
| Net interest margin | 5.1327% | 332 |
| Noninterest income to average assets | 1.9033% | 431 |
| Noninterest expense to average assets | 3.4571% | 2,290 |
| Loan and lease loss provision to assets | 0.6923% | 2,377 |
| Net operating income to assets | 1.6252% | 596 |
| Return on assets (ROA) | 1.6253% | 642 |
| Pretax return on assets | 2.5875% | 166 |
| Return on Equity (ROE) | 20.1858% | 242 |
| Retained earnings to average equity (ytd only) | 2.9607% | 3,785 |
| Net charge-offs to loans | 0.6128% | 3,199 |
| Credit loss provision to net charge-offs | 139.0392% | 2,737 |
| Earnings coverage of net charge-offs (x) | 6.5870% | 2,327 |
| Efficiency ratio | 51.3173% | 7,040 |
| Assets per employee ($millions) | 3.7915% | 4,280 |
| Cash dividends to net income (ytd only)* | 85.3327% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1918% | 1,883 |
| Loan loss allowance to noncurrent loans | 73.3474% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 2.5998% | 2,679 |
| Noncurrent loans to loans | 2.9883% | 2,561 |
| Net loans and leases to total assets | 78.9563% | 804 |
| Net loans and leases to deposits | 88.0797% | 1,779 |
| Net loans and leases to core deposits | 110.9870% | 872 |
| Total domestic deposits to total assets | 89.6419% | 1,295 |
| Equity capital to assets | 8.1523% | 6,319 |
| Core capital (leverage) ratio | 7.8896% | 6,333 |
| Tier 1 risk-based capital ratio | 10.0332% | 6,969 |
| Total risk-based capital ratio | 11.2953% | 6,951 |
| Memoranda: | ||
| Average total assets | $497,499,800 | 1,354 |
| Average earning assets | $468,489,400 | 1,308 |
| Average equity | $40,057,800 | 1,657 |
| Average total loans | $404,221,400 | 1,118 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8727% | 1,198 |
| Cost of funding earning assets | 0.7462% | 6,928 |
| Net interest margin | 5.1265% | 337 |
| Noninterest income to average assets | 1.5917% | 554 |
| Noninterest expense to average assets | 3.5300% | 1,963 |
| Loan and lease loss provision to assets | 0.4735% | 3,110 |
| Net operating income to assets | 1.5140% | 897 |
| Return on assets (ROA) | 1.5142% | 976 |
| Pretax return on assets | 2.4123% | 264 |
| Return on Equity (ROE) | 18.8636% | 396 |
| Retained earnings to average equity (ytd only) | 4.2071% | 3,528 |
| Net charge-offs to loans | 0.6019% | 2,933 |
| Credit loss provision to net charge-offs | 96.6703% | 4,485 |
| Earnings coverage of net charge-offs (x) | 5.8908% | 2,652 |
| Efficiency ratio | 55.0221% | 6,680 |
| Assets per employee ($millions) | 3.7958% | 4,277 |
| Cash dividends to net income (ytd only)* | 77.6973% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9118% | 2,444 |
| Loan loss allowance to noncurrent loans | 86.3024% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 2.0713% | 3,372 |
| Noncurrent loans to loans | 2.2152% | 3,427 |
| Net loans and leases to total assets | 78.1842% | 1,012 |
| Net loans and leases to deposits | 87.2023% | 2,126 |
| Net loans and leases to core deposits | 111.2624% | 968 |
| Total domestic deposits to total assets | 89.6584% | 1,043 |
| Equity capital to assets | 8.0316% | 6,777 |
| Core capital (leverage) ratio | 7.8071% | 6,562 |
| Tier 1 risk-based capital ratio | 10.0155% | 7,062 |
| Total risk-based capital ratio | 11.2744% | 7,041 |
| Memoranda: | ||
| Average total assets | $498,652,500 | 1,360 |
| Average earning assets | $469,208,250 | 1,320 |
| Average equity | $40,026,750 | 1,666 |
| Average total loans | $405,804,750 | 1,120 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8521% | 1,301 |
| Cost of funding earning assets | 0.7517% | 7,062 |
| Net interest margin | 5.1004% | 339 |
| Noninterest income to average assets | 1.5244% | 553 |
| Noninterest expense to average assets | 3.4741% | 2,089 |
| Loan and lease loss provision to assets | 0.4265% | 3,192 |
| Net operating income to assets | 1.5157% | 889 |
| Return on assets (ROA) | 1.5159% | 950 |
| Pretax return on assets | 2.4149% | 274 |
| Return on Equity (ROE) | 18.8893% | 396 |
| Retained earnings to average equity (ytd only) | 9.3543% | 996 |
| Net charge-offs to loans | 0.2826% | 3,927 |
| Credit loss provision to net charge-offs | 184.1739% | 2,141 |
| Earnings coverage of net charge-offs (x) | 12.2678% | 1,692 |
| Efficiency ratio | 55.0128% | 6,762 |
| Assets per employee ($millions) | 3.6713% | 4,548 |
| Cash dividends to net income (ytd only)* | 50.4782% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0189% | 2,131 |
| Loan loss allowance to noncurrent loans | 142.6741% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 1.4040% | 4,366 |
| Noncurrent loans to loans | 1.4150% | 4,586 |
| Net loans and leases to total assets | 80.0755% | 786 |
| Net loans and leases to deposits | 89.7362% | 1,905 |
| Net loans and leases to core deposits | 115.8467% | 849 |
| Total domestic deposits to total assets | 89.2343% | 1,311 |
| Equity capital to assets | 8.2439% | 6,489 |
| Core capital (leverage) ratio | 8.0634% | 6,175 |
| Tier 1 risk-based capital ratio | 10.0581% | 6,989 |
| Total risk-based capital ratio | 11.3183% | 6,966 |
| Memoranda: | ||
| Average total assets | $496,588,000 | 1,370 |
| Average earning assets | $466,429,670 | 1,332 |
| Average equity | $39,853,330 | 1,673 |
| Average total loans | $406,938,670 | 1,128 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8088% | 1,429 |
| Cost of funding earning assets | 0.7483% | 7,234 |
| Net interest margin | 5.0605% | 371 |
| Noninterest income to average assets | 1.5807% | 491 |
| Noninterest expense to average assets | 3.4109% | 2,201 |
| Loan and lease loss provision to assets | 0.3675% | 3,163 |
| Net operating income to assets | 1.5984% | 756 |
| Return on assets (ROA) | 1.5984% | 809 |
| Pretax return on assets | 2.5491% | 239 |
| Return on Equity (ROE) | 20.1941% | 371 |
| Retained earnings to average equity (ytd only) | 0.8061% | 5,498 |
| Net charge-offs to loans | 0.4262% | 2,771 |
| Credit loss provision to net charge-offs | 105.0808% | 3,261 |
| Earnings coverage of net charge-offs (x) | 8.3395% | 1,970 |
| Efficiency ratio | 53.9061% | 6,983 |
| Assets per employee ($millions) | 3.6581% | 4,671 |
| Cash dividends to net income (ytd only)* | 96.0081% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9104% | 2,408 |
| Loan loss allowance to noncurrent loans | 106.5060% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 1.7668% | 3,835 |
| Noncurrent loans to loans | 1.7937% | 4,059 |
| Net loans and leases to total assets | 80.8483% | 732 |
| Net loans and leases to deposits | 91.3224% | 1,710 |
| Net loans and leases to core deposits | 117.2491% | 896 |
| Total domestic deposits to total assets | 88.5306% | 1,773 |
| Equity capital to assets | 7.9437% | 6,714 |
| Core capital (leverage) ratio | 7.7958% | 6,512 |
| Tier 1 risk-based capital ratio | 9.5482% | 7,278 |
| Total risk-based capital ratio | 10.8068% | 7,268 |
| Memoranda: | ||
| Average total assets | $495,237,000 | 1,406 |
| Average earning assets | $464,538,000 | 1,368 |
| Average equity | $39,199,500 | 1,714 |
| Average total loans | $406,384,500 | 1,159 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0184% | 1,795 |
| Cost of funding earning assets | 1.0904% | 7,005 |
| Net interest margin | 4.9280% | 523 |
| Noninterest income to average assets | 2.2835% | 315 |
| Noninterest expense to average assets | 3.6727% | 1,976 |
| Loan and lease loss provision to assets | 0.4035% | 4,394 |
| Net operating income to assets | 1.8215% | 343 |
| Return on assets (ROA) | 1.8215% | 354 |
| Pretax return on assets | 2.8350% | 109 |
| Return on Equity (ROE) | 23.8365% | 110 |
| Retained earnings to average equity (ytd only) | 1.8662% | 3,790 |
| Net charge-offs to loans | 0.3936% | 4,243 |
| Credit loss provision to net charge-offs | 126.4233% | 4,117 |
| Earnings coverage of net charge-offs (x) | 10.1460% | 1,717 |
| Efficiency ratio | 53.1409% | 7,310 |
| Assets per employee ($millions) | 3.5222% | 4,961 |
| Cash dividends to net income (ytd only)* | 92.1709% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9111% | 2,234 |
| Loan loss allowance to noncurrent loans | 192.1209% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 1.2051% | 4,690 |
| Noncurrent loans to loans | 0.9947% | 5,327 |
| Net loans and leases to total assets | 80.1350% | 968 |
| Net loans and leases to deposits | 90.4911% | 2,141 |
| Net loans and leases to core deposits | 123.7258% | 1,659 |
| Total domestic deposits to total assets | 88.5556% | 1,697 |
| Equity capital to assets | 7.8870% | 6,688 |
| Core capital (leverage) ratio | 7.7250% | 6,531 |
| Tier 1 risk-based capital ratio | 9.6055% | 7,156 |
| Total risk-based capital ratio | 10.8643% | 7,127 |
| Memoranda: | ||
| Average total assets | $506,276,800 | 1,360 |
| Average earning assets | $475,424,400 | 1,329 |
| Average equity | $38,688,600 | 1,731 |
| Average total loans | $410,574,400 | 1,175 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0220% | 1,947 |
| Cost of funding earning assets | 1.1564% | 7,020 |
| Net interest margin | 4.8655% | 600 |
| Noninterest income to average assets | 2.3023% | 302 |
| Noninterest expense to average assets | 3.7667% | 1,666 |
| Loan and lease loss provision to assets | 0.3410% | 4,285 |
| Net operating income to assets | 1.7941% | 448 |
| Return on assets (ROA) | 1.7941% | 479 |
| Pretax return on assets | 2.7689% | 135 |
| Return on Equity (ROE) | 23.6631% | 144 |
| Retained earnings to average equity (ytd only) | 1.1927% | 4,656 |
| Net charge-offs to loans | 0.4212% | 3,578 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 9.1199% | 2,149 |
| Efficiency ratio | 54.7759% | 7,147 |
| Assets per employee ($millions) | 3.5701% | 4,765 |
| Cash dividends to net income (ytd only)* | 94.9598% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7902% | 2,310 |
| Loan loss allowance to noncurrent loans | 100.3012% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 1.7008% | 3,828 |
| Noncurrent loans to loans | 1.7848% | 3,932 |
| Net loans and leases to total assets | 80.4223% | 1,102 |
| Net loans and leases to deposits | 90.6668% | 2,451 |
| Net loans and leases to core deposits | 113.7055% | 2,864 |
| Total domestic deposits to total assets | 88.7009% | 1,339 |
| Equity capital to assets | 7.7812% | 7,053 |
| Core capital (leverage) ratio | 7.5055% | 6,961 |
| Tier 1 risk-based capital ratio | 9.4856% | 7,385 |
| Total risk-based capital ratio | 10.7430% | 7,341 |
| Memoranda: | ||
| Average total assets | $508,686,750 | 1,374 |
| Average earning assets | $478,237,750 | 1,336 |
| Average equity | $38,568,250 | 1,760 |
| Average total loans | $411,784,500 | 1,188 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0500% | 1,983 |
| Cost of funding earning assets | 1.2182% | 7,052 |
| Net interest margin | 4.8318% | 621 |
| Noninterest income to average assets | 2.4349% | 275 |
| Noninterest expense to average assets | 3.5791% | 2,125 |
| Loan and lease loss provision to assets | 0.2959% | 4,192 |
| Net operating income to assets | 1.9334% | 347 |
| Return on assets (ROA) | 1.9334% | 377 |
| Pretax return on assets | 3.0967% | 94 |
| Return on Equity (ROE) | 25.7200% | 126 |
| Retained earnings to average equity (ytd only) | 2.3193% | 4,046 |
| Net charge-offs to loans | 0.1987% | 4,294 |
| Credit loss provision to net charge-offs | 184.6341% | 2,480 |
| Earnings coverage of net charge-offs (x) | 21.1683% | 1,275 |
| Efficiency ratio | 51.3373% | 7,566 |
| Assets per employee ($millions) | 3.4458% | 4,959 |
| Cash dividends to net income (ytd only)* | 90.9826% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8604% | 1,884 |
| Loan loss allowance to noncurrent loans | 109.5191% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 1.6636% | 3,698 |
| Noncurrent loans to loans | 1.6987% | 3,960 |
| Net loans and leases to total assets | 79.3788% | 1,439 |
| Net loans and leases to deposits | 88.9438% | 2,999 |
| Net loans and leases to core deposits | 115.8827% | 2,723 |
| Total domestic deposits to total assets | 89.2459% | 1,147 |
| Equity capital to assets | 7.5949% | 7,181 |
| Core capital (leverage) ratio | 7.4624% | 7,069 |
| Tier 1 risk-based capital ratio | 9.4181% | 7,460 |
| Total risk-based capital ratio | 10.6764% | 7,418 |
| Memoranda: | ||
| Average total assets | $511,643,000 | 1,380 |
| Average earning assets | $480,399,000 | 1,345 |
| Average equity | $38,460,330 | 1,770 |
| Average total loans | $412,615,330 | 1,217 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9952% | 2,392 |
| Cost of funding earning assets | 1.2857% | 7,061 |
| Net interest margin | 4.7095% | 750 |
| Noninterest income to average assets | 2.7514% | 225 |
| Noninterest expense to average assets | 3.4117% | 2,325 |
| Loan and lease loss provision to assets | 0.2927% | 3,610 |
| Net operating income to assets | 2.1675% | 246 |
| Return on assets (ROA) | 2.1675% | 286 |
| Pretax return on assets | 3.4757% | 83 |
| Return on Equity (ROE) | 28.9844% | 113 |
| Retained earnings to average equity (ytd only) | 8.1098% | 1,768 |
| Net charge-offs to loans | 0.1667% | 3,635 |
| Credit loss provision to net charge-offs | 218.0233% | 2,075 |
| Earnings coverage of net charge-offs (x) | 28.0698% | 1,115 |
| Efficiency ratio | 47.5160% | 7,754 |
| Assets per employee ($millions) | 3.5714% | 4,651 |
| Cash dividends to net income (ytd only)* | 72.0202% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8264% | 1,790 |
| Loan loss allowance to noncurrent loans | 133.7240% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 1.3242% | 4,015 |
| Noncurrent loans to loans | 1.3658% | 4,272 |
| Net loans and leases to total assets | 78.7029% | 1,645 |
| Net loans and leases to deposits | 87.9234% | 3,302 |
| Net loans and leases to core deposits | 115.1117% | 2,900 |
| Total domestic deposits to total assets | 89.5130% | 998 |
| Equity capital to assets | 7.5549% | 7,306 |
| Core capital (leverage) ratio | 7.4235% | 7,249 |
| Tier 1 risk-based capital ratio | 9.4294% | 7,486 |
| Total risk-based capital ratio | 10.6871% | 7,434 |
| Memoranda: | ||
| Average total assets | $512,472,500 | 1,387 |
| Average earning assets | $481,921,500 | 1,343 |
| Average equity | $38,324,000 | 1,777 |
| Average total loans | $412,676,500 | 1,225 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6495% | 2,248 |
| Cost of funding earning assets | 1.5943% | 7,463 |
| Net interest margin | 5.0553% | 448 |
| Noninterest income to average assets | 1.8863% | 383 |
| Noninterest expense to average assets | 3.6859% | 1,976 |
| Loan and lease loss provision to assets | 0.2035% | 4,855 |
| Net operating income to assets | 1.7502% | 607 |
| Return on assets (ROA) | 1.7502% | 584 |
| Pretax return on assets | 2.7379% | 132 |
| Return on Equity (ROE) | 22.9702% | 213 |
| Retained earnings to average equity (ytd only) | 3.4125% | 3,020 |
| Net charge-offs to loans | 0.2555% | 3,718 |
| Credit loss provision to net charge-offs | 100.1011% | 5,289 |
| Earnings coverage of net charge-offs (x) | 14.4692% | 2,034 |
| Efficiency ratio | 55.6169% | 7,072 |
| Assets per employee ($millions) | 3.4045% | 4,930 |
| Cash dividends to net income (ytd only)* | 85.1439% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7738% | 1,695 |
| Loan loss allowance to noncurrent loans | 160.5038% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 1.0402% | 4,223 |
| Noncurrent loans to loans | 1.1051% | 4,350 |
| Net loans and leases to total assets | 79.4538% | 1,788 |
| Net loans and leases to deposits | 90.2056% | 3,420 |
| Net loans and leases to core deposits | 114.3118% | 3,302 |
| Total domestic deposits to total assets | 88.0807% | 1,435 |
| Equity capital to assets | 7.4011% | 7,464 |
| Core capital (leverage) ratio | 7.4557% | 7,256 |
| Tier 1 risk-based capital ratio | 9.2840% | 7,538 |
| Total risk-based capital ratio | 10.5410% | 7,455 |
| Memoranda: | ||
| Average total assets | $486,506,400 | 1,407 |
| Average earning assets | $456,256,600 | 1,366 |
| Average equity | $37,069,800 | 1,830 |
| Average total loans | $387,144,400 | 1,250 |