Home > Commercial Bank & Trust Co. > Performance and Condition Ratios
Commercial Bank & Trust Co., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5607% | 2,993 |
| Cost of funding earning assets | 1.3718% | 2,304 |
| Net interest margin | 3.1889% | 2,904 |
| Noninterest income to average assets | 1.5500% | 376 |
| Noninterest expense to average assets | 4.2269% | 321 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.3067% | 4,016 |
| Return on assets (ROA) | 0.3078% | 4,011 |
| Pretax return on assets | 0.2881% | 4,102 |
| Return on Equity (ROE) | 4.8400% | 3,754 |
| Retained earnings to average equity (ytd only) | -1.7195% | 4,247 |
| Net charge-offs to loans | 0.0575% | 1,280 |
| Credit loss provision to net charge-offs | 78.5016% | 2,035 |
| Earnings coverage of net charge-offs (x) | 10.5147% | 2,235 |
| Efficiency ratio | 93.1827% | 325 |
| Assets per employee ($millions) | 5.3649% | 3,347 |
| Cash dividends to net income (ytd only)* | 135.5431% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 1,357 |
| Loan loss allowance to noncurrent loans | 4,888.5350% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 3,656 |
| Noncurrent loans to loans | 0.0288% | 3,533 |
| Net loans and leases to total assets | 51.0400% | 3,538 |
| Net loans and leases to deposits | 55.4528% | 3,736 |
| Net loans and leases to core deposits | 58.4902% | 3,821 |
| Total domestic deposits to total assets | 92.0400% | 302 |
| Equity capital to assets | 7.2719% | 3,834 |
| Core capital (leverage) ratio | 11.7580% | 1,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1101% | 598 |
| Memoranda: | ||
| Average total assets | $1,043,826,400 | 946 |
| Average earning assets | $978,575,800 | 925 |
| Average equity | $66,415,800 | 1,301 |
| Average total loans | $534,142,000 | 1,173 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5051% | 2,901 |
| Cost of funding earning assets | 1.2667% | 2,233 |
| Net interest margin | 3.2384% | 2,829 |
| Noninterest income to average assets | 1.6800% | 349 |
| Noninterest expense to average assets | 3.2066% | 814 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 1.4774% | 1,168 |
| Return on assets (ROA) | 1.4789% | 1,150 |
| Pretax return on assets | 1.5233% | 1,514 |
| Return on Equity (ROE) | 24.1100% | 429 |
| Retained earnings to average equity (ytd only) | 17.4989% | 368 |
| Net charge-offs to loans | 0.0341% | 1,400 |
| Credit loss provision to net charge-offs | -120.5882% | 4,530 |
| Earnings coverage of net charge-offs (x) | 86.1765% | 998 |
| Efficiency ratio | 68.1331% | 1,998 |
| Assets per employee ($millions) | 5.2464% | 3,391 |
| Cash dividends to net income (ytd only)* | 27.4293% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 1,505 |
| Loan loss allowance to noncurrent loans | 3,263.5965% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 3,596 |
| Noncurrent loans to loans | 0.0424% | 3,457 |
| Net loans and leases to total assets | 52.0700% | 3,490 |
| Net loans and leases to deposits | 55.9310% | 3,717 |
| Net loans and leases to core deposits | 59.3238% | 3,726 |
| Total domestic deposits to total assets | 93.1100% | 281 |
| Equity capital to assets | 6.0650% | 3,965 |
| Core capital (leverage) ratio | 11.7017% | 1,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2248% | 674 |
| Memoranda: | ||
| Average total assets | $1,041,905,000 | 947 |
| Average earning assets | $973,925,500 | 931 |
| Average equity | $63,903,500 | 1,323 |
| Average total loans | $531,585,500 | 1,174 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3906% | 2,902 |
| Cost of funding earning assets | 1.1349% | 2,183 |
| Net interest margin | 3.2558% | 2,855 |
| Noninterest income to average assets | 1.7300% | 284 |
| Noninterest expense to average assets | 3.1369% | 858 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.5752% | 980 |
| Return on assets (ROA) | 1.5774% | 977 |
| Pretax return on assets | 1.6247% | 1,362 |
| Return on Equity (ROE) | 25.6300% | 355 |
| Retained earnings to average equity (ytd only) | 19.5921% | 260 |
| Net charge-offs to loans | 0.0378% | 1,151 |
| Credit loss provision to net charge-offs | 96.0000% | 1,477 |
| Earnings coverage of net charge-offs (x) | 86.1300% | 1,012 |
| Efficiency ratio | 65.6593% | 2,291 |
| Assets per employee ($millions) | 5.3393% | 3,291 |
| Cash dividends to net income (ytd only)* | 23.5479% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4433% | 1,376 |
| Loan loss allowance to noncurrent loans | 4,072.1053% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 3,648 |
| Noncurrent loans to loans | 0.0354% | 3,484 |
| Net loans and leases to total assets | 51.0100% | 3,489 |
| Net loans and leases to deposits | 55.0718% | 3,693 |
| Net loans and leases to core deposits | 57.8522% | 3,726 |
| Total domestic deposits to total assets | 92.6200% | 306 |
| Equity capital to assets | 6.6327% | 3,930 |
| Core capital (leverage) ratio | 11.3176% | 1,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0224% | 716 |
| Memoranda: | ||
| Average total assets | $1,049,938,333 | 927 |
| Average earning assets | $982,503,333 | 909 |
| Average equity | $64,628,000 | 1,310 |
| Average total loans | $529,627,667 | 1,169 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1967% | 3,051 |
| Cost of funding earning assets | 0.9748% | 2,134 |
| Net interest margin | 3.2219% | 3,063 |
| Noninterest income to average assets | 1.7600% | 271 |
| Noninterest expense to average assets | 3.1448% | 871 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.5607% | 1,057 |
| Return on assets (ROA) | 1.5625% | 1,047 |
| Pretax return on assets | 1.6072% | 1,443 |
| Return on Equity (ROE) | 26.3900% | 345 |
| Retained earnings to average equity (ytd only) | 21.9139% | 292 |
| Net charge-offs to loans | 0.0372% | 990 |
| Credit loss provision to net charge-offs | 122.4490% | 1,030 |
| Earnings coverage of net charge-offs (x) | 87.7959% | 851 |
| Efficiency ratio | 65.8896% | 2,220 |
| Assets per employee ($millions) | 5.2849% | 3,431 |
| Cash dividends to net income (ytd only)* | 16.9533% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4492% | 1,438 |
| Loan loss allowance to noncurrent loans | 2,818.9091% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 3,526 |
| Noncurrent loans to loans | 0.0514% | 3,373 |
| Net loans and leases to total assets | 50.1300% | 3,484 |
| Net loans and leases to deposits | 54.0399% | 3,680 |
| Net loans and leases to core deposits | 56.4011% | 3,719 |
| Total domestic deposits to total assets | 92.7600% | 346 |
| Equity capital to assets | 6.6265% | 3,989 |
| Core capital (leverage) ratio | 11.1620% | 1,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1259% | 830 |
| Memoranda: | ||
| Average total assets | $1,056,995,000 | 942 |
| Average earning assets | $989,348,500 | 924 |
| Average equity | $62,590,500 | 1,356 |
| Average total loans | $526,405,000 | 1,185 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4721% | 3,148 |
| Cost of funding earning assets | 0.3922% | 2,158 |
| Net interest margin | 3.0799% | 3,225 |
| Noninterest income to average assets | 1.5900% | 323 |
| Noninterest expense to average assets | 2.8383% | 1,244 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.5412% | 792 |
| Return on assets (ROA) | 1.5412% | 766 |
| Pretax return on assets | 1.5948% | 1,180 |
| Return on Equity (ROE) | 25.7100% | 185 |
| Retained earnings to average equity (ytd only) | 19.6497% | 100 |
| Net charge-offs to loans | 0.0505% | 1,164 |
| Credit loss provision to net charge-offs | 95.3668% | 1,598 |
| Earnings coverage of net charge-offs (x) | 68.9459% | 1,167 |
| Efficiency ratio | 63.7038% | 2,536 |
| Assets per employee ($millions) | 5.4757% | 3,243 |
| Cash dividends to net income (ytd only)* | 23.5633% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6125% | 956 |
| Loan loss allowance to noncurrent loans | 2,427.6163% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 3,482 |
| Noncurrent loans to loans | 0.0664% | 3,271 |
| Net loans and leases to total assets | 47.9700% | 3,671 |
| Net loans and leases to deposits | 50.9754% | 3,857 |
| Net loans and leases to core deposits | 52.4198% | 3,894 |
| Total domestic deposits to total assets | 94.1000% | 231 |
| Equity capital to assets | 5.2236% | 4,309 |
| Core capital (leverage) ratio | 10.6192% | 2,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8440% | 850 |
| Memoranda: | ||
| Average total assets | $1,104,219,000 | 897 |
| Average earning assets | $1,028,999,400 | 884 |
| Average equity | $66,199,400 | 1,304 |
| Average total loans | $513,319,600 | 1,154 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2292% | 3,364 |
| Cost of funding earning assets | 0.2903% | 2,278 |
| Net interest margin | 2.9389% | 3,383 |
| Noninterest income to average assets | 1.5700% | 342 |
| Noninterest expense to average assets | 2.7881% | 1,269 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.4414% | 976 |
| Return on assets (ROA) | 1.4414% | 953 |
| Pretax return on assets | 1.5023% | 1,401 |
| Return on Equity (ROE) | 23.3300% | 243 |
| Retained earnings to average equity (ytd only) | 17.5014% | 187 |
| Net charge-offs to loans | 0.0286% | 1,261 |
| Credit loss provision to net charge-offs | 155.4545% | 1,110 |
| Earnings coverage of net charge-offs (x) | 115.7364% | 867 |
| Efficiency ratio | 64.6763% | 2,457 |
| Assets per employee ($millions) | 5.5848% | 3,138 |
| Cash dividends to net income (ytd only)* | 24.9772% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5757% | 1,110 |
| Loan loss allowance to noncurrent loans | 262.9213% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.2957% | 1,762 |
| Noncurrent loans to loans | 0.5993% | 1,347 |
| Net loans and leases to total assets | 48.5600% | 3,575 |
| Net loans and leases to deposits | 50.8789% | 3,794 |
| Net loans and leases to core deposits | 52.0947% | 3,850 |
| Total domestic deposits to total assets | 95.4500% | 173 |
| Equity capital to assets | 3.6761% | 4,520 |
| Core capital (leverage) ratio | 9.6491% | 2,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6408% | 1,055 |
| Memoranda: | ||
| Average total assets | $1,114,700,750 | 899 |
| Average earning assets | $1,037,968,750 | 887 |
| Average equity | $68,876,750 | 1,280 |
| Average total loans | $512,176,500 | 1,156 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0141% | 3,525 |
| Cost of funding earning assets | 0.2333% | 2,463 |
| Net interest margin | 2.7808% | 3,496 |
| Noninterest income to average assets | 1.5710% | 317 |
| Noninterest expense to average assets | 2.7389% | 1,298 |
| Loan and lease loss provision to assets | 0.0233% | 2,180 |
| Net operating income to assets | 1.3341% | 1,064 |
| Return on assets (ROA) | 1.3341% | 1,041 |
| Pretax return on assets | 1.3961% | 1,450 |
| Return on Equity (ROE) | 19.1066% | 378 |
| Retained earnings to average equity (ytd only) | 14.5241% | 311 |
| Net charge-offs to loans | 0.0194% | 1,349 |
| Credit loss provision to net charge-offs | 267.3469% | 840 |
| Earnings coverage of net charge-offs (x) | 162.9592% | 602 |
| Efficiency ratio | 65.8659% | 2,531 |
| Assets per employee ($millions) | 5.4938% | 3,240 |
| Cash dividends to net income (ytd only)* | 23.9840% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6020% | 1,148 |
| Loan loss allowance to noncurrent loans | 270.7599% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 1,903 |
| Noncurrent loans to loans | 0.5917% | 1,430 |
| Net loans and leases to total assets | 46.7420% | 3,660 |
| Net loans and leases to deposits | 49.5382% | 3,830 |
| Net loans and leases to core deposits | 50.6680% | 3,899 |
| Total domestic deposits to total assets | 94.3554% | 221 |
| Equity capital to assets | 5.0381% | 4,468 |
| Core capital (leverage) ratio | 9.3100% | 3,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8137% | 1,220 |
| Memoranda: | ||
| Average total assets | $1,125,114,667 | 891 |
| Average earning assets | $1,046,814,667 | 890 |
| Average equity | $78,559,333 | 1,178 |
| Average total loans | $504,701,000 | 1,163 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9135% | 3,497 |
| Cost of funding earning assets | 0.2057% | 2,713 |
| Net interest margin | 2.7077% | 3,384 |
| Noninterest income to average assets | 1.5064% | 355 |
| Noninterest expense to average assets | 2.6921% | 1,389 |
| Loan and lease loss provision to assets | 0.0353% | 1,730 |
| Net operating income to assets | 1.2330% | 1,162 |
| Return on assets (ROA) | 1.2330% | 1,145 |
| Pretax return on assets | 1.2977% | 1,514 |
| Return on Equity (ROE) | 15.5400% | 579 |
| Retained earnings to average equity (ytd only) | 12.3136% | 557 |
| Net charge-offs to loans | 0.0308% | 997 |
| Credit loss provision to net charge-offs | 263.1579% | 704 |
| Earnings coverage of net charge-offs (x) | 99.3421% | 678 |
| Efficiency ratio | 66.8831% | 2,652 |
| Assets per employee ($millions) | 5.6239% | 3,209 |
| Cash dividends to net income (ytd only)* | 20.7617% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6423% | 1,172 |
| Loan loss allowance to noncurrent loans | 261.4836% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.2908% | 1,959 |
| Noncurrent loans to loans | 0.6281% | 1,493 |
| Net loans and leases to total assets | 45.5425% | 3,618 |
| Net loans and leases to deposits | 49.1144% | 3,805 |
| Net loans and leases to core deposits | 50.2767% | 3,856 |
| Total domestic deposits to total assets | 92.7274% | 337 |
| Equity capital to assets | 6.7162% | 4,334 |
| Core capital (leverage) ratio | 9.0154% | 3,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9835% | 1,048 |
| Memoranda: | ||
| Average total assets | $1,132,801,000 | 893 |
| Average earning assets | $1,053,732,000 | 887 |
| Average equity | $89,884,000 | 1,088 |
| Average total loans | $493,471,000 | 1,171 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3187% | 3,148 |
| Cost of funding earning assets | 0.2460% | 2,976 |
| Net interest margin | 3.0727% | 2,991 |
| Noninterest income to average assets | 1.6772% | 407 |
| Noninterest expense to average assets | 2.6745% | 1,700 |
| Loan and lease loss provision to assets | 0.0957% | 1,306 |
| Net operating income to assets | 1.6136% | 770 |
| Return on assets (ROA) | 1.6192% | 802 |
| Pretax return on assets | 1.7009% | 1,143 |
| Return on Equity (ROE) | 16.6476% | 650 |
| Retained earnings to average equity (ytd only) | 10.3550% | 830 |
| Net charge-offs to loans | 0.0144% | 2,030 |
| Credit loss provision to net charge-offs | 1,419.4444% | 410 |
| Earnings coverage of net charge-offs (x) | 265.5694% | 442 |
| Efficiency ratio | 59.8955% | 3,167 |
| Assets per employee ($millions) | 6.0931% | 2,672 |
| Cash dividends to net income (ytd only)* | 37.7986% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7645% | 923 |
| Loan loss allowance to noncurrent loans | 219.6743% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.3288% | 1,921 |
| Noncurrent loans to loans | 0.8033% | 1,271 |
| Net loans and leases to total assets | 40.2166% | 4,082 |
| Net loans and leases to deposits | 44.5417% | 4,150 |
| Net loans and leases to core deposits | 45.4827% | 4,204 |
| Total domestic deposits to total assets | 90.2897% | 819 |
| Equity capital to assets | 9.1008% | 3,513 |
| Core capital (leverage) ratio | 8.9036% | 3,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5240% | 1,157 |
| Memoranda: | ||
| Average total assets | $1,067,760,400 | 916 |
| Average earning assets | $968,844,800 | 930 |
| Average equity | $103,852,800 | 982 |
| Average total loans | $499,462,800 | 1,163 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4740% | 2,916 |
| Cost of funding earning assets | 0.2589% | 3,026 |
| Net interest margin | 3.2151% | 2,683 |
| Noninterest income to average assets | 1.7794% | 405 |
| Noninterest expense to average assets | 2.6362% | 1,735 |
| Loan and lease loss provision to assets | 0.0219% | 2,557 |
| Net operating income to assets | 1.9087% | 548 |
| Return on assets (ROA) | 1.9150% | 563 |
| Pretax return on assets | 2.0200% | 770 |
| Return on Equity (ROE) | 19.3444% | 478 |
| Retained earnings to average equity (ytd only) | 16.2069% | 282 |
| Net charge-offs to loans | 0.0382% | 1,323 |
| Credit loss provision to net charge-offs | 118.6207% | 1,471 |
| Earnings coverage of net charge-offs (x) | 110.0414% | 821 |
| Efficiency ratio | 56.4318% | 3,479 |
| Assets per employee ($millions) | 5.6986% | 2,993 |
| Cash dividends to net income (ytd only)* | 16.2193% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5592% | 1,439 |
| Loan loss allowance to noncurrent loans | 196.4616% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.3516% | 2,025 |
| Noncurrent loans to loans | 0.7937% | 1,425 |
| Net loans and leases to total assets | 43.6127% | 3,985 |
| Net loans and leases to deposits | 48.9522% | 4,065 |
| Net loans and leases to core deposits | 49.9773% | 4,140 |
| Total domestic deposits to total assets | 89.0925% | 1,229 |
| Equity capital to assets | 10.1242% | 2,782 |
| Core capital (leverage) ratio | 9.3069% | 3,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2861% | 1,085 |
| Memoranda: | ||
| Average total assets | $1,045,277,000 | 941 |
| Average earning assets | $940,257,250 | 963 |
| Average equity | $103,476,250 | 1,000 |
| Average total loans | $505,841,500 | 1,173 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4903% | 2,919 |
| Cost of funding earning assets | 0.2696% | 3,093 |
| Net interest margin | 3.2207% | 2,694 |
| Noninterest income to average assets | 1.5564% | 513 |
| Noninterest expense to average assets | 2.6673% | 1,671 |
| Loan and lease loss provision to assets | 0.0162% | 2,629 |
| Net operating income to assets | 1.6677% | 922 |
| Return on assets (ROA) | 1.6772% | 957 |
| Pretax return on assets | 1.7688% | 1,306 |
| Return on Equity (ROE) | 17.0771% | 768 |
| Retained earnings to average equity (ytd only) | 14.8433% | 456 |
| Net charge-offs to loans | 0.0221% | 1,505 |
| Credit loss provision to net charge-offs | 147.3684% | 1,170 |
| Earnings coverage of net charge-offs (x) | 161.1053% | 567 |
| Efficiency ratio | 60.0426% | 3,018 |
| Assets per employee ($millions) | 5.7516% | 2,847 |
| Cash dividends to net income (ytd only)* | 13.0806% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4711% | 1,686 |
| Loan loss allowance to noncurrent loans | 201.4077% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.3435% | 2,220 |
| Noncurrent loans to loans | 0.7304% | 1,627 |
| Net loans and leases to total assets | 46.3313% | 3,879 |
| Net loans and leases to deposits | 51.8281% | 4,007 |
| Net loans and leases to core deposits | 52.9843% | 4,086 |
| Total domestic deposits to total assets | 89.3942% | 1,086 |
| Equity capital to assets | 9.7944% | 3,064 |
| Core capital (leverage) ratio | 9.1312% | 3,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4301% | 1,242 |
| Memoranda: | ||
| Average total assets | $1,034,694,000 | 942 |
| Average earning assets | $927,130,000 | 967 |
| Average equity | $101,621,667 | 1,014 |
| Average total loans | $515,402,000 | 1,153 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3671% | 3,292 |
| Cost of funding earning assets | 0.2768% | 3,208 |
| Net interest margin | 3.0903% | 3,023 |
| Noninterest income to average assets | 1.6059% | 540 |
| Noninterest expense to average assets | 2.7271% | 1,559 |
| Loan and lease loss provision to assets | 0.0245% | 2,467 |
| Net operating income to assets | 1.5437% | 1,229 |
| Return on assets (ROA) | 1.5621% | 1,259 |
| Pretax return on assets | 1.6477% | 1,608 |
| Return on Equity (ROE) | 15.8820% | 1,043 |
| Retained earnings to average equity (ytd only) | 14.5387% | 686 |
| Net charge-offs to loans | 0.0346% | 1,130 |
| Credit loss provision to net charge-offs | 137.7778% | 1,008 |
| Earnings coverage of net charge-offs (x) | 93.1333% | 640 |
| Efficiency ratio | 62.2636% | 2,712 |
| Assets per employee ($millions) | 5.6217% | 2,998 |
| Cash dividends to net income (ytd only)* | 8.4575% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4465% | 1,788 |
| Loan loss allowance to noncurrent loans | 196.6129% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.3673% | 2,327 |
| Noncurrent loans to loans | 0.7357% | 1,763 |
| Net loans and leases to total assets | 49.2081% | 3,696 |
| Net loans and leases to deposits | 54.9353% | 3,873 |
| Net loans and leases to core deposits | 56.2474% | 3,956 |
| Total domestic deposits to total assets | 89.5747% | 1,034 |
| Equity capital to assets | 9.6929% | 3,008 |
| Core capital (leverage) ratio | 9.1611% | 3,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2561% | 1,231 |
| Memoranda: | ||
| Average total assets | $1,014,270,500 | 943 |
| Average earning assets | $910,456,000 | 969 |
| Average equity | $99,761,000 | 1,018 |
| Average total loans | $520,227,000 | 1,153 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7967% | 3,313 |
| Cost of funding earning assets | 0.4462% | 3,303 |
| Net interest margin | 3.3505% | 2,925 |
| Noninterest income to average assets | 1.4978% | 540 |
| Noninterest expense to average assets | 2.9425% | 1,564 |
| Loan and lease loss provision to assets | 0.1206% | 2,858 |
| Net operating income to assets | 1.4908% | 831 |
| Return on assets (ROA) | 1.5100% | 857 |
| Pretax return on assets | 1.5565% | 1,176 |
| Return on Equity (ROE) | 14.2753% | 750 |
| Retained earnings to average equity (ytd only) | 6.9877% | 1,400 |
| Net charge-offs to loans | 0.1647% | 1,003 |
| Credit loss provision to net charge-offs | 128.3175% | 2,566 |
| Earnings coverage of net charge-offs (x) | 17.6398% | 2,067 |
| Efficiency ratio | 63.9708% | 2,830 |
| Assets per employee ($millions) | 5.3180% | 3,029 |
| Cash dividends to net income (ytd only)* | 51.0505% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 1,943 |
| Loan loss allowance to noncurrent loans | 206.8937% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.3801% | 2,461 |
| Noncurrent loans to loans | 0.6802% | 1,985 |
| Net loans and leases to total assets | 51.9492% | 3,664 |
| Net loans and leases to deposits | 58.1964% | 3,880 |
| Net loans and leases to core deposits | 59.5256% | 3,973 |
| Total domestic deposits to total assets | 89.2653% | 870 |
| Equity capital to assets | 9.9827% | 3,147 |
| Core capital (leverage) ratio | 8.9840% | 3,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9399% | 1,276 |
| Memoranda: | ||
| Average total assets | $898,339,600 | 968 |
| Average earning assets | $831,731,000 | 971 |
| Average equity | $95,024,600 | 1,007 |
| Average total loans | $512,331,200 | 1,116 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9117% | 3,214 |
| Cost of funding earning assets | 0.4964% | 3,244 |
| Net interest margin | 3.4153% | 2,868 |
| Noninterest income to average assets | 1.5123% | 510 |
| Noninterest expense to average assets | 2.9937% | 1,455 |
| Loan and lease loss provision to assets | 0.1190% | 2,832 |
| Net operating income to assets | 1.5449% | 821 |
| Return on assets (ROA) | 1.5476% | 891 |
| Pretax return on assets | 1.5812% | 1,236 |
| Return on Equity (ROE) | 14.3988% | 812 |
| Retained earnings to average equity (ytd only) | 10.7753% | 615 |
| Net charge-offs to loans | 0.0991% | 1,319 |
| Credit loss provision to net charge-offs | 206.0847% | 2,092 |
| Earnings coverage of net charge-offs (x) | 29.4021% | 1,603 |
| Efficiency ratio | 63.8157% | 2,763 |
| Assets per employee ($millions) | 4.9396% | 3,330 |
| Cash dividends to net income (ytd only)* | 25.1653% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4059% | 1,712 |
| Loan loss allowance to noncurrent loans | 143.4931% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.6136% | 1,893 |
| Noncurrent loans to loans | 0.9797% | 1,525 |
| Net loans and leases to total assets | 55.7234% | 3,648 |
| Net loans and leases to deposits | 62.8765% | 3,872 |
| Net loans and leases to core deposits | 64.4752% | 3,986 |
| Total domestic deposits to total assets | 88.6236% | 930 |
| Equity capital to assets | 10.5500% | 2,751 |
| Core capital (leverage) ratio | 9.3321% | 3,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9984% | 1,054 |
| Memoranda: | ||
| Average total assets | $872,980,250 | 979 |
| Average earning assets | $812,521,750 | 977 |
| Average equity | $93,829,500 | 1,012 |
| Average total loans | $508,716,750 | 1,113 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1097% | 3,030 |
| Cost of funding earning assets | 0.5698% | 3,129 |
| Net interest margin | 3.5399% | 2,675 |
| Noninterest income to average assets | 1.5072% | 461 |
| Noninterest expense to average assets | 3.0759% | 1,416 |
| Loan and lease loss provision to assets | 0.0905% | 3,133 |
| Net operating income to assets | 1.5402% | 863 |
| Return on assets (ROA) | 1.5432% | 928 |
| Pretax return on assets | 1.6304% | 1,157 |
| Return on Equity (ROE) | 14.2586% | 841 |
| Retained earnings to average equity (ytd only) | 11.4742% | 538 |
| Net charge-offs to loans | 0.0537% | 1,720 |
| Credit loss provision to net charge-offs | 285.8209% | 1,660 |
| Earnings coverage of net charge-offs (x) | 54.2388% | 1,047 |
| Efficiency ratio | 64.1653% | 2,803 |
| Assets per employee ($millions) | 4.9563% | 3,224 |
| Cash dividends to net income (ytd only)* | 19.5283% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3781% | 1,661 |
| Loan loss allowance to noncurrent loans | 142.3121% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.6015% | 1,999 |
| Noncurrent loans to loans | 0.9684% | 1,597 |
| Net loans and leases to total assets | 57.3150% | 3,574 |
| Net loans and leases to deposits | 64.7247% | 3,830 |
| Net loans and leases to core deposits | 66.8418% | 3,933 |
| Total domestic deposits to total assets | 88.5520% | 923 |
| Equity capital to assets | 10.6150% | 2,648 |
| Core capital (leverage) ratio | 9.7921% | 3,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2542% | 1,711 |
| Memoranda: | ||
| Average total assets | $846,190,000 | 986 |
| Average earning assets | $785,606,000 | 984 |
| Average equity | $91,579,667 | 1,021 |
| Average total loans | $498,684,000 | 1,119 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2374% | 3,099 |
| Cost of funding earning assets | 0.7136% | 2,874 |
| Net interest margin | 3.5238% | 2,898 |
| Noninterest income to average assets | 1.5342% | 377 |
| Noninterest expense to average assets | 3.1702% | 1,487 |
| Loan and lease loss provision to assets | 0.0491% | 3,163 |
| Net operating income to assets | 1.4931% | 797 |
| Return on assets (ROA) | 1.4945% | 871 |
| Pretax return on assets | 1.5789% | 1,115 |
| Return on Equity (ROE) | 13.6587% | 769 |
| Retained earnings to average equity (ytd only) | 10.8235% | 592 |
| Net charge-offs to loans | 0.0969% | 1,103 |
| Credit loss provision to net charge-offs | 85.3448% | 1,913 |
| Earnings coverage of net charge-offs (x) | 28.2500% | 1,214 |
| Efficiency ratio | 66.0906% | 2,947 |
| Assets per employee ($millions) | 4.2727% | 3,562 |
| Cash dividends to net income (ytd only)* | 20.7572% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4918% | 1,372 |
| Loan loss allowance to noncurrent loans | 143.1114% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.6708% | 1,988 |
| Noncurrent loans to loans | 1.0424% | 1,596 |
| Net loans and leases to total assets | 59.1470% | 3,581 |
| Net loans and leases to deposits | 66.9625% | 3,799 |
| Net loans and leases to core deposits | 69.5080% | 3,908 |
| Total domestic deposits to total assets | 88.3285% | 964 |
| Equity capital to assets | 11.0099% | 2,844 |
| Core capital (leverage) ratio | 10.5833% | 2,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9006% | 1,371 |
| Memoranda: | ||
| Average total assets | $805,874,000 | 995 |
| Average earning assets | $746,122,500 | 993 |
| Average equity | $88,178,500 | 1,050 |
| Average total loans | $478,710,500 | 1,132 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6960% | 2,338 |
| Cost of funding earning assets | 0.8178% | 2,598 |
| Net interest margin | 3.8782% | 2,252 |
| Noninterest income to average assets | 1.3956% | 486 |
| Noninterest expense to average assets | 3.0750% | 1,821 |
| Loan and lease loss provision to assets | 0.1207% | 1,758 |
| Net operating income to assets | 1.6848% | 683 |
| Return on assets (ROA) | 1.6889% | 723 |
| Pretax return on assets | 1.7972% | 947 |
| Return on Equity (ROE) | 15.0876% | 678 |
| Retained earnings to average equity (ytd only) | 3.3534% | 3,333 |
| Net charge-offs to loans | 0.1021% | 1,706 |
| Credit loss provision to net charge-offs | 185.5446% | 1,425 |
| Earnings coverage of net charge-offs (x) | 29.4238% | 1,601 |
| Efficiency ratio | 61.6413% | 3,431 |
| Assets per employee ($millions) | 4.4413% | 3,315 |
| Cash dividends to net income (ytd only)* | 77.7735% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5018% | 1,226 |
| Loan loss allowance to noncurrent loans | 426.0095% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.2567% | 3,407 |
| Noncurrent loans to loans | 0.3525% | 3,188 |
| Net loans and leases to total assets | 57.8907% | 3,777 |
| Net loans and leases to deposits | 65.4988% | 3,980 |
| Net loans and leases to core deposits | 68.0209% | 4,082 |
| Total domestic deposits to total assets | 88.3845% | 947 |
| Equity capital to assets | 10.8752% | 3,112 |
| Core capital (leverage) ratio | 10.1121% | 3,400 |
| Tier 1 risk-based capital ratio | 15.3462% | 2,636 |
| Total risk-based capital ratio | 16.5975% | 2,569 |
| Memoranda: | ||
| Average total assets | $776,526,600 | 997 |
| Average earning assets | $719,399,600 | 990 |
| Average equity | $86,925,800 | 1,014 |
| Average total loans | $494,804,800 | 1,085 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7725% | 2,204 |
| Cost of funding earning assets | 0.8175% | 2,627 |
| Net interest margin | 3.9550% | 2,090 |
| Noninterest income to average assets | 1.3915% | 469 |
| Noninterest expense to average assets | 3.0915% | 1,731 |
| Loan and lease loss provision to assets | 0.0509% | 2,883 |
| Net operating income to assets | 1.8029% | 615 |
| Return on assets (ROA) | 1.8050% | 644 |
| Pretax return on assets | 1.9202% | 825 |
| Return on Equity (ROE) | 16.0039% | 603 |
| Retained earnings to average equity (ytd only) | 10.1507% | 718 |
| Net charge-offs to loans | 0.0558% | 2,032 |
| Credit loss provision to net charge-offs | 140.1914% | 1,723 |
| Earnings coverage of net charge-offs (x) | 54.2248% | 1,134 |
| Efficiency ratio | 61.0924% | 3,463 |
| Assets per employee ($millions) | 4.3136% | 3,466 |
| Cash dividends to net income (ytd only)* | 36.5736% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3698% | 1,687 |
| Loan loss allowance to noncurrent loans | 421.0981% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.2572% | 3,532 |
| Noncurrent loans to loans | 0.3253% | 3,366 |
| Net loans and leases to total assets | 62.2610% | 3,470 |
| Net loans and leases to deposits | 71.0633% | 3,682 |
| Net loans and leases to core deposits | 73.8335% | 3,840 |
| Total domestic deposits to total assets | 87.6134% | 1,210 |
| Equity capital to assets | 11.6938% | 2,512 |
| Core capital (leverage) ratio | 11.0391% | 2,610 |
| Tier 1 risk-based capital ratio | 15.8798% | 2,482 |
| Total risk-based capital ratio | 17.1302% | 2,414 |
| Memoranda: | ||
| Average total assets | $767,470,750 | 1,009 |
| Average earning assets | $711,928,500 | 1,000 |
| Average equity | $86,560,250 | 1,014 |
| Average total loans | $499,085,750 | 1,080 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7688% | 2,164 |
| Cost of funding earning assets | 0.8050% | 2,617 |
| Net interest margin | 3.9639% | 2,045 |
| Noninterest income to average assets | 1.3658% | 471 |
| Noninterest expense to average assets | 3.0933% | 1,749 |
| Loan and lease loss provision to assets | 0.0529% | 2,763 |
| Net operating income to assets | 1.7910% | 610 |
| Return on assets (ROA) | 1.7925% | 629 |
| Pretax return on assets | 1.8967% | 844 |
| Return on Equity (ROE) | 16.0981% | 574 |
| Retained earnings to average equity (ytd only) | 11.6087% | 456 |
| Net charge-offs to loans | 0.0485% | 1,950 |
| Credit loss provision to net charge-offs | 166.1157% | 1,389 |
| Earnings coverage of net charge-offs (x) | 61.1901% | 967 |
| Efficiency ratio | 61.3590% | 3,532 |
| Assets per employee ($millions) | 4.1713% | 3,621 |
| Cash dividends to net income (ytd only)* | 27.8879% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 1,829 |
| Loan loss allowance to noncurrent loans | 661.6877% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 3,866 |
| Noncurrent loans to loans | 0.2033% | 3,821 |
| Net loans and leases to total assets | 64.8221% | 3,255 |
| Net loans and leases to deposits | 73.9692% | 3,522 |
| Net loans and leases to core deposits | 77.0379% | 3,646 |
| Total domestic deposits to total assets | 87.6339% | 1,273 |
| Equity capital to assets | 11.6305% | 2,499 |
| Core capital (leverage) ratio | 10.8568% | 2,735 |
| Tier 1 risk-based capital ratio | 15.5418% | 2,611 |
| Total risk-based capital ratio | 16.7921% | 2,539 |
| Memoranda: | ||
| Average total assets | $760,163,670 | 1,018 |
| Average earning assets | $704,867,330 | 1,007 |
| Average equity | $84,643,670 | 1,027 |
| Average total loans | $499,344,670 | 1,081 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 2,131 |
| Cost of funding earning assets | 0.7606% | 2,732 |
| Net interest margin | 3.9664% | 1,961 |
| Noninterest income to average assets | 1.3303% | 484 |
| Noninterest expense to average assets | 3.1707% | 1,573 |
| Loan and lease loss provision to assets | 0.0546% | 2,574 |
| Net operating income to assets | 1.6840% | 757 |
| Return on assets (ROA) | 1.6840% | 784 |
| Pretax return on assets | 1.7799% | 1,017 |
| Return on Equity (ROE) | 15.4757% | 667 |
| Retained earnings to average equity (ytd only) | 10.6030% | 901 |
| Net charge-offs to loans | 0.0065% | 2,468 |
| Credit loss provision to net charge-offs | 1,287.5000% | 299 |
| Earnings coverage of net charge-offs (x) | 432.5000% | 177 |
| Efficiency ratio | 63.3475% | 3,339 |
| Assets per employee ($millions) | 4.1773% | 3,662 |
| Cash dividends to net income (ytd only)* | 31.4861% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3650% | 1,808 |
| Loan loss allowance to noncurrent loans | 930.2041% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.1417% | 4,097 |
| Noncurrent loans to loans | 0.1467% | 4,074 |
| Net loans and leases to total assets | 64.2754% | 3,250 |
| Net loans and leases to deposits | 72.8249% | 3,544 |
| Net loans and leases to core deposits | 75.4323% | 3,696 |
| Total domestic deposits to total assets | 88.2603% | 1,214 |
| Equity capital to assets | 11.0098% | 2,841 |
| Core capital (leverage) ratio | 10.8887% | 2,673 |
| Tier 1 risk-based capital ratio | 15.1466% | 2,820 |
| Total risk-based capital ratio | 16.3970% | 2,729 |
| Memoranda: | ||
| Average total assets | $754,403,500 | 1,025 |
| Average earning assets | $698,967,000 | 1,014 |
| Average equity | $82,090,000 | 1,049 |
| Average total loans | $495,495,000 | 1,089 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5456% | 2,314 |
| Cost of funding earning assets | 0.4886% | 3,428 |
| Net interest margin | 4.0569% | 1,799 |
| Noninterest income to average assets | 1.3403% | 510 |
| Noninterest expense to average assets | 3.0765% | 1,859 |
| Loan and lease loss provision to assets | 0.0799% | 2,525 |
| Net operating income to assets | 1.8385% | 512 |
| Return on assets (ROA) | 1.8390% | 508 |
| Pretax return on assets | 1.9453% | 638 |
| Return on Equity (ROE) | 17.1830% | 477 |
| Retained earnings to average equity (ytd only) | 4.4221% | 3,102 |
| Net charge-offs to loans | 0.0964% | 1,800 |
| Credit loss provision to net charge-offs | 126.8240% | 2,078 |
| Earnings coverage of net charge-offs (x) | 32.1309% | 1,524 |
| Efficiency ratio | 60.3101% | 3,804 |
| Assets per employee ($millions) | 4.0447% | 3,835 |
| Cash dividends to net income (ytd only)* | 74.2647% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3756% | 1,735 |
| Loan loss allowance to noncurrent loans | 750.7795% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.1728% | 3,945 |
| Noncurrent loans to loans | 0.1832% | 3,925 |
| Net loans and leases to total assets | 65.3047% | 3,222 |
| Net loans and leases to deposits | 73.8176% | 3,514 |
| Net loans and leases to core deposits | 75.7862% | 3,734 |
| Total domestic deposits to total assets | 88.4677% | 1,086 |
| Equity capital to assets | 10.7481% | 2,932 |
| Core capital (leverage) ratio | 10.6596% | 2,879 |
| Tier 1 risk-based capital ratio | 15.1779% | 2,747 |
| Total risk-based capital ratio | 16.4287% | 2,682 |
| Memoranda: | ||
| Average total assets | $739,534,000 | 1,008 |
| Average earning assets | $685,564,600 | 1,005 |
| Average equity | $79,148,000 | 1,037 |
| Average total loans | $483,325,600 | 1,081 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4846% | 2,354 |
| Cost of funding earning assets | 0.4346% | 3,633 |
| Net interest margin | 4.0500% | 1,793 |
| Noninterest income to average assets | 1.3932% | 489 |
| Noninterest expense to average assets | 3.1213% | 1,714 |
| Loan and lease loss provision to assets | 0.0602% | 2,776 |
| Net operating income to assets | 1.8606% | 539 |
| Return on assets (ROA) | 1.8606% | 535 |
| Pretax return on assets | 1.9679% | 677 |
| Return on Equity (ROE) | 17.4037% | 498 |
| Retained earnings to average equity (ytd only) | 10.4881% | 767 |
| Net charge-offs to loans | 0.0811% | 1,709 |
| Credit loss provision to net charge-offs | 113.9932% | 2,063 |
| Earnings coverage of net charge-offs (x) | 38.3854% | 1,388 |
| Efficiency ratio | 60.6142% | 3,722 |
| Assets per employee ($millions) | 3.9706% | 3,936 |
| Cash dividends to net income (ytd only)* | 39.7364% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3601% | 1,845 |
| Loan loss allowance to noncurrent loans | 885.3723% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.1766% | 4,067 |
| Noncurrent loans to loans | 0.1536% | 4,190 |
| Net loans and leases to total assets | 65.7331% | 3,209 |
| Net loans and leases to deposits | 75.0538% | 3,501 |
| Net loans and leases to core deposits | 76.9069% | 3,748 |
| Total domestic deposits to total assets | 87.5814% | 1,449 |
| Equity capital to assets | 10.9203% | 2,732 |
| Core capital (leverage) ratio | 11.1569% | 2,448 |
| Tier 1 risk-based capital ratio | 15.7749% | 2,537 |
| Total risk-based capital ratio | 17.0255% | 2,472 |
| Memoranda: | ||
| Average total assets | $739,373,500 | 1,010 |
| Average earning assets | $685,735,750 | 1,003 |
| Average equity | $79,046,250 | 1,031 |
| Average total loans | $481,629,000 | 1,085 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3844% | 2,475 |
| Cost of funding earning assets | 0.3978% | 3,734 |
| Net interest margin | 3.9865% | 1,909 |
| Noninterest income to average assets | 1.4300% | 465 |
| Noninterest expense to average assets | 3.1094% | 1,762 |
| Loan and lease loss provision to assets | 0.0556% | 2,798 |
| Net operating income to assets | 1.8605% | 512 |
| Return on assets (ROA) | 1.8605% | 513 |
| Pretax return on assets | 1.9679% | 647 |
| Return on Equity (ROE) | 17.5270% | 474 |
| Retained earnings to average equity (ytd only) | 10.4073% | 817 |
| Net charge-offs to loans | 0.0701% | 1,639 |
| Credit loss provision to net charge-offs | 122.6190% | 1,778 |
| Earnings coverage of net charge-offs (x) | 44.6250% | 1,215 |
| Efficiency ratio | 60.5774% | 3,841 |
| Assets per employee ($millions) | 3.9452% | 3,995 |
| Cash dividends to net income (ytd only)* | 40.6209% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3693% | 1,860 |
| Loan loss allowance to noncurrent loans | 660.2183% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.2104% | 3,950 |
| Noncurrent loans to loans | 0.2074% | 3,982 |
| Net loans and leases to total assets | 65.3237% | 3,238 |
| Net loans and leases to deposits | 73.8785% | 3,550 |
| Net loans and leases to core deposits | 75.4429% | 3,782 |
| Total domestic deposits to total assets | 88.4204% | 1,175 |
| Equity capital to assets | 10.8141% | 2,826 |
| Core capital (leverage) ratio | 10.6921% | 2,818 |
| Tier 1 risk-based capital ratio | 15.5058% | 2,636 |
| Total risk-based capital ratio | 16.7566% | 2,577 |
| Memoranda: | ||
| Average total assets | $740,975,670 | 1,010 |
| Average earning assets | $688,264,670 | 998 |
| Average equity | $78,656,000 | 1,037 |
| Average total loans | $479,001,330 | 1,090 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2470% | 2,721 |
| Cost of funding earning assets | 0.3401% | 4,064 |
| Net interest margin | 3.9069% | 2,021 |
| Noninterest income to average assets | 1.5021% | 429 |
| Noninterest expense to average assets | 3.0633% | 1,914 |
| Loan and lease loss provision to assets | 0.0661% | 2,451 |
| Net operating income to assets | 1.8921% | 459 |
| Return on assets (ROA) | 1.8921% | 464 |
| Pretax return on assets | 2.0017% | 568 |
| Return on Equity (ROE) | 17.9907% | 414 |
| Retained earnings to average equity (ytd only) | 11.3502% | 816 |
| Net charge-offs to loans | 0.0909% | 1,255 |
| Credit loss provision to net charge-offs | 113.8889% | 1,421 |
| Earnings coverage of net charge-offs (x) | 35.6389% | 1,132 |
| Efficiency ratio | 59.7006% | 4,104 |
| Assets per employee ($millions) | 4.0006% | 3,975 |
| Cash dividends to net income (ytd only)* | 36.9108% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 1,854 |
| Loan loss allowance to noncurrent loans | 795.2038% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.1824% | 4,174 |
| Noncurrent loans to loans | 0.1757% | 4,191 |
| Net loans and leases to total assets | 62.9096% | 3,431 |
| Net loans and leases to deposits | 70.8074% | 3,720 |
| Net loans and leases to core deposits | 72.2400% | 3,933 |
| Total domestic deposits to total assets | 88.8461% | 1,179 |
| Equity capital to assets | 10.4644% | 3,113 |
| Core capital (leverage) ratio | 10.5467% | 2,896 |
| Tier 1 risk-based capital ratio | 14.9961% | 2,866 |
| Total risk-based capital ratio | 16.2466% | 2,795 |
| Memoranda: | ||
| Average total assets | $744,563,000 | 1,013 |
| Average earning assets | $691,591,000 | 1,003 |
| Average equity | $78,307,000 | 1,046 |
| Average total loans | $475,501,500 | 1,109 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2373% | 2,550 |
| Cost of funding earning assets | 0.2960% | 4,178 |
| Net interest margin | 3.9413% | 1,950 |
| Noninterest income to average assets | 1.2491% | 680 |
| Noninterest expense to average assets | 3.0409% | 2,041 |
| Loan and lease loss provision to assets | 0.0446% | 3,351 |
| Net operating income to assets | 1.7117% | 514 |
| Return on assets (ROA) | 1.7269% | 510 |
| Pretax return on assets | 1.8248% | 742 |
| Return on Equity (ROE) | 16.0856% | 471 |
| Retained earnings to average equity (ytd only) | 2.4194% | 3,884 |
| Net charge-offs to loans | 0.0816% | 2,292 |
| Credit loss provision to net charge-offs | 82.6196% | 2,904 |
| Earnings coverage of net charge-offs (x) | 34.3652% | 1,401 |
| Efficiency ratio | 62.1322% | 3,916 |
| Assets per employee ($millions) | 4.0711% | 3,855 |
| Cash dividends to net income (ytd only)* | 84.9591% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3894% | 1,809 |
| Loan loss allowance to noncurrent loans | 863.8381% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 4,265 |
| Noncurrent loans to loans | 0.1608% | 4,285 |
| Net loans and leases to total assets | 63.0372% | 3,485 |
| Net loans and leases to deposits | 71.0405% | 3,784 |
| Net loans and leases to core deposits | 72.4280% | 4,022 |
| Total domestic deposits to total assets | 88.7343% | 1,126 |
| Equity capital to assets | 10.5699% | 3,086 |
| Core capital (leverage) ratio | 10.2727% | 3,101 |
| Tier 1 risk-based capital ratio | 14.7094% | 2,986 |
| Total risk-based capital ratio | 15.9601% | 2,915 |
| Memoranda: | ||
| Average total assets | $736,125,000 | 1,002 |
| Average earning assets | $680,808,800 | 991 |
| Average equity | $79,027,400 | 1,015 |
| Average total loans | $486,409,600 | 1,055 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2249% | 2,532 |
| Cost of funding earning assets | 0.2956% | 4,170 |
| Net interest margin | 3.9293% | 1,934 |
| Noninterest income to average assets | 1.2488% | 675 |
| Noninterest expense to average assets | 2.9967% | 2,118 |
| Loan and lease loss provision to assets | 0.0436% | 3,231 |
| Net operating income to assets | 1.7384% | 541 |
| Return on assets (ROA) | 1.7588% | 527 |
| Pretax return on assets | 1.8643% | 758 |
| Return on Equity (ROE) | 16.3187% | 491 |
| Retained earnings to average equity (ytd only) | 8.2276% | 1,123 |
| Net charge-offs to loans | 0.0603% | 2,260 |
| Credit loss provision to net charge-offs | 108.5973% | 2,159 |
| Earnings coverage of net charge-offs (x) | 46.9818% | 1,162 |
| Efficiency ratio | 61.3699% | 3,982 |
| Assets per employee ($millions) | 3.9691% | 4,041 |
| Cash dividends to net income (ytd only)* | 49.5816% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3665% | 2,042 |
| Loan loss allowance to noncurrent loans | 2,056.7485% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 4,608 |
| Noncurrent loans to loans | 0.0664% | 4,810 |
| Net loans and leases to total assets | 66.2703% | 3,066 |
| Net loans and leases to deposits | 75.3523% | 3,435 |
| Net loans and leases to core deposits | 76.7486% | 3,747 |
| Total domestic deposits to total assets | 87.9472% | 1,391 |
| Equity capital to assets | 11.3103% | 2,563 |
| Core capital (leverage) ratio | 10.8084% | 2,636 |
| Tier 1 risk-based capital ratio | 15.1019% | 2,880 |
| Total risk-based capital ratio | 16.3526% | 2,802 |
| Memoranda: | ||
| Average total assets | $733,903,250 | 1,007 |
| Average earning assets | $678,781,000 | 998 |
| Average equity | $79,097,500 | 1,019 |
| Average total loans | $488,949,000 | 1,053 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1637% | 2,613 |
| Cost of funding earning assets | 0.2925% | 4,154 |
| Net interest margin | 3.8712% | 2,027 |
| Noninterest income to average assets | 1.2167% | 699 |
| Noninterest expense to average assets | 2.9642% | 2,216 |
| Loan and lease loss provision to assets | 0.0405% | 3,195 |
| Net operating income to assets | 1.6931% | 572 |
| Return on assets (ROA) | 1.7023% | 572 |
| Pretax return on assets | 1.8041% | 830 |
| Return on Equity (ROE) | 16.0580% | 522 |
| Retained earnings to average equity (ytd only) | 7.3322% | 1,435 |
| Net charge-offs to loans | 0.0471% | 2,274 |
| Credit loss provision to net charge-offs | 129.5652% | 1,689 |
| Earnings coverage of net charge-offs (x) | 58.6435% | 965 |
| Efficiency ratio | 61.7665% | 4,034 |
| Assets per employee ($millions) | 4.0337% | 3,902 |
| Cash dividends to net income (ytd only)* | 54.3391% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3639% | 2,098 |
| Loan loss allowance to noncurrent loans | 2,349.6503% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.1226% | 4,698 |
| Noncurrent loans to loans | 0.0580% | 4,896 |
| Net loans and leases to total assets | 66.9329% | 2,961 |
| Net loans and leases to deposits | 75.9024% | 3,355 |
| Net loans and leases to core deposits | 77.4193% | 3,642 |
| Total domestic deposits to total assets | 88.1828% | 1,361 |
| Equity capital to assets | 11.0849% | 2,717 |
| Core capital (leverage) ratio | 10.4425% | 2,982 |
| Tier 1 risk-based capital ratio | 14.5886% | 3,119 |
| Total risk-based capital ratio | 15.8392% | 3,036 |
| Memoranda: | ||
| Average total assets | $735,102,330 | 1,009 |
| Average earning assets | $680,252,330 | 999 |
| Average equity | $77,930,000 | 1,035 |
| Average total loans | $488,371,670 | 1,052 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0412% | 2,900 |
| Cost of funding earning assets | 0.2861% | 4,183 |
| Net interest margin | 3.7552% | 2,281 |
| Noninterest income to average assets | 1.2060% | 708 |
| Noninterest expense to average assets | 2.9848% | 2,201 |
| Loan and lease loss provision to assets | 0.0346% | 3,094 |
| Net operating income to assets | 1.5657% | 722 |
| Return on assets (ROA) | 1.5662% | 741 |
| Pretax return on assets | 1.6587% | 1,097 |
| Return on Equity (ROE) | 15.1122% | 627 |
| Retained earnings to average equity (ytd only) | 4.6756% | 3,069 |
| Net charge-offs to loans | 0.0296% | 2,167 |
| Credit loss provision to net charge-offs | 177.7778% | 1,097 |
| Earnings coverage of net charge-offs (x) | 86.9444% | 616 |
| Efficiency ratio | 63.8108% | 3,865 |
| Assets per employee ($millions) | 4.0772% | 3,886 |
| Cash dividends to net income (ytd only)* | 69.0608% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3658% | 2,229 |
| Loan loss allowance to noncurrent loans | 2,117.9811% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.1285% | 4,747 |
| Noncurrent loans to loans | 0.0645% | 4,942 |
| Net loans and leases to total assets | 65.7034% | 3,016 |
| Net loans and leases to deposits | 73.9553% | 3,406 |
| Net loans and leases to core deposits | 75.5284% | 3,695 |
| Total domestic deposits to total assets | 88.8420% | 1,231 |
| Equity capital to assets | 10.4893% | 3,196 |
| Core capital (leverage) ratio | 10.1877% | 3,255 |
| Tier 1 risk-based capital ratio | 14.1158% | 3,402 |
| Total risk-based capital ratio | 15.3663% | 3,328 |
| Memoranda: | ||
| Average total assets | $739,622,000 | 1,003 |
| Average earning assets | $683,752,500 | 1,001 |
| Average equity | $76,653,500 | 1,051 |
| Average total loans | $486,210,000 | 1,047 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9537% | 3,368 |
| Cost of funding earning assets | 0.2773% | 4,280 |
| Net interest margin | 3.6764% | 2,790 |
| Noninterest income to average assets | 1.1852% | 804 |
| Noninterest expense to average assets | 2.9245% | 2,590 |
| Loan and lease loss provision to assets | 0.0297% | 3,762 |
| Net operating income to assets | 1.5556% | 755 |
| Return on assets (ROA) | 1.5732% | 754 |
| Pretax return on assets | 1.6570% | 1,115 |
| Return on Equity (ROE) | 14.3587% | 716 |
| Retained earnings to average equity (ytd only) | 2.5664% | 4,059 |
| Net charge-offs to loans | 0.1051% | 2,217 |
| Credit loss provision to net charge-offs | 43.3198% | 3,462 |
| Earnings coverage of net charge-offs (x) | 24.3077% | 1,643 |
| Efficiency ratio | 63.6771% | 4,000 |
| Assets per employee ($millions) | 4.2358% | 3,553 |
| Cash dividends to net income (ytd only)* | 82.1265% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 2,120 |
| Loan loss allowance to noncurrent loans | 1,821.7984% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.1442% | 4,732 |
| Noncurrent loans to loans | 0.0763% | 4,934 |
| Net loans and leases to total assets | 63.9640% | 3,362 |
| Net loans and leases to deposits | 71.8375% | 3,727 |
| Net loans and leases to core deposits | 73.1255% | 3,997 |
| Total domestic deposits to total assets | 89.0400% | 1,099 |
| Equity capital to assets | 10.2390% | 3,457 |
| Core capital (leverage) ratio | 9.8744% | 3,661 |
| Tier 1 risk-based capital ratio | 14.2240% | 3,335 |
| Total risk-based capital ratio | 15.4747% | 3,266 |
| Memoranda: | ||
| Average total assets | $719,805,800 | 996 |
| Average earning assets | $667,166,200 | 993 |
| Average equity | $78,865,200 | 1,005 |
| Average total loans | $469,826,200 | 1,026 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9440% | 3,448 |
| Cost of funding earning assets | 0.2771% | 4,321 |
| Net interest margin | 3.6669% | 2,837 |
| Noninterest income to average assets | 1.1873% | 823 |
| Noninterest expense to average assets | 2.9352% | 2,519 |
| Loan and lease loss provision to assets | 0.0302% | 3,633 |
| Net operating income to assets | 1.5512% | 795 |
| Return on assets (ROA) | 1.5622% | 820 |
| Pretax return on assets | 1.6413% | 1,271 |
| Return on Equity (ROE) | 14.0202% | 822 |
| Retained earnings to average equity (ytd only) | 6.4833% | 1,925 |
| Net charge-offs to loans | 0.0554% | 2,569 |
| Credit loss provision to net charge-offs | 83.5052% | 2,621 |
| Earnings coverage of net charge-offs (x) | 45.8505% | 1,137 |
| Efficiency ratio | 63.8752% | 3,952 |
| Assets per employee ($millions) | 4.1753% | 3,643 |
| Cash dividends to net income (ytd only)* | 53.7570% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4432% | 2,005 |
| Loan loss allowance to noncurrent loans | 303.4573% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.4289% | 3,706 |
| Noncurrent loans to loans | 0.4756% | 3,590 |
| Net loans and leases to total assets | 64.4385% | 3,341 |
| Net loans and leases to deposits | 73.1405% | 3,681 |
| Net loans and leases to core deposits | 74.4713% | 3,963 |
| Total domestic deposits to total assets | 88.1023% | 1,350 |
| Equity capital to assets | 11.1654% | 2,831 |
| Core capital (leverage) ratio | 10.3374% | 3,178 |
| Tier 1 risk-based capital ratio | 14.7932% | 3,146 |
| Total risk-based capital ratio | 16.0448% | 3,087 |
| Memoranda: | ||
| Average total assets | $714,441,000 | 1,009 |
| Average earning assets | $663,977,250 | 1,002 |
| Average equity | $79,607,000 | 996 |
| Average total loans | $467,075,500 | 1,035 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9519% | 3,419 |
| Cost of funding earning assets | 0.2795% | 4,351 |
| Net interest margin | 3.6723% | 2,815 |
| Noninterest income to average assets | 1.1969% | 788 |
| Noninterest expense to average assets | 2.9405% | 2,545 |
| Loan and lease loss provision to assets | 0.0268% | 3,591 |
| Net operating income to assets | 1.5593% | 788 |
| Return on assets (ROA) | 1.5765% | 804 |
| Pretax return on assets | 1.6565% | 1,205 |
| Return on Equity (ROE) | 14.1586% | 806 |
| Retained earnings to average equity (ytd only) | 5.7822% | 2,252 |
| Net charge-offs to loans | 0.0411% | 2,639 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 62.0211% | 855 |
| Efficiency ratio | 63.8439% | 4,049 |
| Assets per employee ($millions) | 4.0839% | 3,762 |
| Cash dividends to net income (ytd only)* | 59.1610% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4762% | 1,960 |
| Loan loss allowance to noncurrent loans | 274.9013% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.4704% | 3,645 |
| Noncurrent loans to loans | 0.5370% | 3,467 |
| Net loans and leases to total assets | 64.6812% | 3,267 |
| Net loans and leases to deposits | 73.5078% | 3,651 |
| Net loans and leases to core deposits | 74.7397% | 3,928 |
| Total domestic deposits to total assets | 87.9923% | 1,438 |
| Equity capital to assets | 11.3037% | 2,739 |
| Core capital (leverage) ratio | 10.2642% | 3,251 |
| Tier 1 risk-based capital ratio | 14.6064% | 3,253 |
| Total risk-based capital ratio | 15.8581% | 3,192 |
| Memoranda: | ||
| Average total assets | $707,638,000 | 1,017 |
| Average earning assets | $656,856,670 | 1,010 |
| Average equity | $78,793,000 | 1,009 |
| Average total loans | $462,614,000 | 1,044 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9603% | 3,366 |
| Cost of funding earning assets | 0.2791% | 4,403 |
| Net interest margin | 3.6812% | 2,751 |
| Noninterest income to average assets | 1.2118% | 737 |
| Noninterest expense to average assets | 2.9205% | 2,634 |
| Loan and lease loss provision to assets | 0.0199% | 3,434 |
| Net operating income to assets | 1.6090% | 689 |
| Return on assets (ROA) | 1.6090% | 733 |
| Pretax return on assets | 1.6910% | 1,087 |
| Return on Equity (ROE) | 14.5632% | 736 |
| Retained earnings to average equity (ytd only) | 4.7650% | 3,084 |
| Net charge-offs to loans | 0.0210% | 2,516 |
| Credit loss provision to net charge-offs | 145.8333% | 1,295 |
| Earnings coverage of net charge-offs (x) | 125.1250% | 456 |
| Efficiency ratio | 63.0582% | 4,293 |
| Assets per employee ($millions) | 4.2015% | 3,588 |
| Cash dividends to net income (ytd only)* | 67.2805% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5195% | 1,902 |
| Loan loss allowance to noncurrent loans | 277.1951% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.4738% | 3,704 |
| Noncurrent loans to loans | 0.5482% | 3,535 |
| Net loans and leases to total assets | 63.6854% | 3,283 |
| Net loans and leases to deposits | 72.1797% | 3,637 |
| Net loans and leases to core deposits | 73.4815% | 3,939 |
| Total domestic deposits to total assets | 88.2317% | 1,512 |
| Equity capital to assets | 11.1028% | 2,824 |
| Core capital (leverage) ratio | 10.3305% | 3,153 |
| Tier 1 risk-based capital ratio | 14.0245% | 3,676 |
| Total risk-based capital ratio | 15.2761% | 3,604 |
| Memoranda: | ||
| Average total assets | $702,070,500 | 1,024 |
| Average earning assets | $652,174,500 | 1,014 |
| Average equity | $77,565,500 | 1,030 |
| Average total loans | $457,982,500 | 1,054 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9498% | 3,530 |
| Cost of funding earning assets | 0.2873% | 4,394 |
| Net interest margin | 3.6625% | 2,895 |
| Noninterest income to average assets | 1.2215% | 801 |
| Noninterest expense to average assets | 2.9980% | 2,552 |
| Loan and lease loss provision to assets | -0.0804% | 5,815 |
| Net operating income to assets | 1.6186% | 672 |
| Return on assets (ROA) | 1.6235% | 688 |
| Pretax return on assets | 1.7063% | 980 |
| Return on Equity (ROE) | 14.5344% | 759 |
| Retained earnings to average equity (ytd only) | 3.1546% | 3,807 |
| Net charge-offs to loans | -0.1416% | 5,878 |
| Credit loss provision to net charge-offs | 88.0259% | 2,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9098% | 4,095 |
| Assets per employee ($millions) | 4.0829% | 3,790 |
| Cash dividends to net income (ytd only)* | 78.2957% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 1,881 |
| Loan loss allowance to noncurrent loans | 290.9774% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.4949% | 3,658 |
| Noncurrent loans to loans | 0.5241% | 3,594 |
| Net loans and leases to total assets | 64.8076% | 3,145 |
| Net loans and leases to deposits | 73.4403% | 3,559 |
| Net loans and leases to core deposits | 74.8155% | 3,864 |
| Total domestic deposits to total assets | 88.2453% | 1,511 |
| Equity capital to assets | 10.9921% | 2,830 |
| Core capital (leverage) ratio | 10.3687% | 3,087 |
| Tier 1 risk-based capital ratio | 13.8642% | 3,794 |
| Total risk-based capital ratio | 15.1156% | 3,724 |
| Memoranda: | ||
| Average total assets | $676,559,800 | 1,020 |
| Average earning assets | $627,556,600 | 1,009 |
| Average equity | $75,572,200 | 1,013 |
| Average total loans | $436,297,400 | 1,054 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9313% | 3,625 |
| Cost of funding earning assets | 0.2903% | 4,451 |
| Net interest margin | 3.6410% | 2,989 |
| Noninterest income to average assets | 1.2399% | 787 |
| Noninterest expense to average assets | 3.0037% | 2,517 |
| Loan and lease loss provision to assets | 0.0347% | 3,528 |
| Net operating income to assets | 1.5061% | 913 |
| Return on assets (ROA) | 1.5125% | 939 |
| Pretax return on assets | 1.5866% | 1,423 |
| Return on Equity (ROE) | 13.4848% | 1,012 |
| Retained earnings to average equity (ytd only) | 6.0571% | 2,208 |
| Net charge-offs to loans | -0.2035% | 5,999 |
| Credit loss provision to net charge-offs | -26.5957% | 4,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0389% | 4,056 |
| Assets per employee ($millions) | 4.0046% | 3,868 |
| Cash dividends to net income (ytd only)* | 55.0820% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7696% | 1,321 |
| Loan loss allowance to noncurrent loans | 302.3483% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.5241% | 3,746 |
| Noncurrent loans to loans | 0.5853% | 3,577 |
| Net loans and leases to total assets | 63.7367% | 3,345 |
| Net loans and leases to deposits | 72.6703% | 3,685 |
| Net loans and leases to core deposits | 73.9092% | 4,024 |
| Total domestic deposits to total assets | 87.7067% | 1,701 |
| Equity capital to assets | 11.5357% | 2,477 |
| Core capital (leverage) ratio | 10.7248% | 2,796 |
| Tier 1 risk-based capital ratio | 15.6378% | 2,980 |
| Total risk-based capital ratio | 16.8933% | 2,907 |
| Memoranda: | ||
| Average total assets | $672,177,750 | 1,028 |
| Average earning assets | $623,696,750 | 1,019 |
| Average equity | $75,391,500 | 1,018 |
| Average total loans | $431,174,750 | 1,065 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9065% | 3,656 |
| Cost of funding earning assets | 0.2911% | 4,494 |
| Net interest margin | 3.6155% | 3,028 |
| Noninterest income to average assets | 1.2167% | 820 |
| Noninterest expense to average assets | 2.9614% | 2,673 |
| Loan and lease loss provision to assets | 0.0470% | 3,181 |
| Net operating income to assets | 1.4917% | 908 |
| Return on assets (ROA) | 1.4917% | 954 |
| Pretax return on assets | 1.5652% | 1,439 |
| Return on Equity (ROE) | 13.4276% | 1,032 |
| Retained earnings to average equity (ytd only) | 5.3903% | 2,609 |
| Net charge-offs to loans | -0.3205% | 6,137 |
| Credit loss provision to net charge-offs | -22.9651% | 4,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7491% | 4,234 |
| Assets per employee ($millions) | 3.8859% | 4,100 |
| Cash dividends to net income (ytd only)* | 59.8563% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7808% | 1,411 |
| Loan loss allowance to noncurrent loans | 334.9784% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.4768% | 4,026 |
| Noncurrent loans to loans | 0.5316% | 3,862 |
| Net loans and leases to total assets | 64.2286% | 3,236 |
| Net loans and leases to deposits | 73.0150% | 3,616 |
| Net loans and leases to core deposits | 74.3631% | 3,928 |
| Total domestic deposits to total assets | 87.9663% | 1,668 |
| Equity capital to assets | 11.2757% | 2,593 |
| Core capital (leverage) ratio | 10.6651% | 2,774 |
| Tier 1 risk-based capital ratio | 14.9359% | 3,394 |
| Total risk-based capital ratio | 16.1908% | 3,323 |
| Memoranda: | ||
| Average total assets | $671,977,330 | 1,036 |
| Average earning assets | $623,928,670 | 1,024 |
| Average equity | $74,652,000 | 1,031 |
| Average total loans | $429,389,000 | 1,069 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8572% | 3,796 |
| Cost of funding earning assets | 0.2896% | 4,554 |
| Net interest margin | 3.5676% | 3,138 |
| Noninterest income to average assets | 1.1579% | 852 |
| Noninterest expense to average assets | 2.8787% | 2,977 |
| Loan and lease loss provision to assets | 0.0450% | 3,019 |
| Net operating income to assets | 1.4639% | 917 |
| Return on assets (ROA) | 1.4639% | 974 |
| Pretax return on assets | 1.5379% | 1,429 |
| Return on Equity (ROE) | 13.2752% | 1,030 |
| Retained earnings to average equity (ytd only) | 4.6863% | 3,220 |
| Net charge-offs to loans | -0.7947% | 6,301 |
| Credit loss provision to net charge-offs | -8.9623% | 4,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5217% | 4,394 |
| Assets per employee ($millions) | 3.9991% | 3,958 |
| Cash dividends to net income (ytd only)* | 64.6987% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8512% | 1,392 |
| Loan loss allowance to noncurrent loans | 267.7629% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.4961% | 4,040 |
| Noncurrent loans to loans | 0.6914% | 3,548 |
| Net loans and leases to total assets | 61.6801% | 3,423 |
| Net loans and leases to deposits | 70.0142% | 3,748 |
| Net loans and leases to core deposits | 71.3100% | 4,033 |
| Total domestic deposits to total assets | 88.0965% | 1,761 |
| Equity capital to assets | 11.2111% | 2,740 |
| Core capital (leverage) ratio | 10.4181% | 3,078 |
| Tier 1 risk-based capital ratio | 15.1526% | 3,350 |
| Total risk-based capital ratio | 16.4083% | 3,267 |
| Memoranda: | ||
| Average total assets | $675,720,500 | 1,034 |
| Average earning assets | $625,741,500 | 1,022 |
| Average equity | $74,515,000 | 1,031 |
| Average total loans | $426,818,000 | 1,074 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1120% | 3,283 |
| Cost of funding earning assets | 0.3157% | 4,626 |
| Net interest margin | 3.7962% | 2,633 |
| Noninterest income to average assets | 1.1289% | 953 |
| Noninterest expense to average assets | 2.9481% | 3,008 |
| Loan and lease loss provision to assets | 0.1020% | 2,450 |
| Net operating income to assets | 1.5162% | 850 |
| Return on assets (ROA) | 1.5177% | 877 |
| Pretax return on assets | 1.5924% | 1,258 |
| Return on Equity (ROE) | 13.9050% | 948 |
| Retained earnings to average equity (ytd only) | 0.6222% | 5,485 |
| Net charge-offs to loans | 0.1681% | 2,350 |
| Credit loss provision to net charge-offs | 91.5094% | 2,616 |
| Earnings coverage of net charge-offs (x) | 15.1846% | 2,101 |
| Efficiency ratio | 63.5242% | 4,665 |
| Assets per employee ($millions) | 4.0452% | 3,848 |
| Cash dividends to net income (ytd only)* | 95.5256% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5975% | 2,098 |
| Loan loss allowance to noncurrent loans | 161.5565% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.6576% | 3,600 |
| Noncurrent loans to loans | 0.9888% | 2,857 |
| Net loans and leases to total assets | 62.4685% | 3,444 |
| Net loans and leases to deposits | 70.6535% | 3,821 |
| Net loans and leases to core deposits | 71.9276% | 4,129 |
| Total domestic deposits to total assets | 88.4153% | 1,558 |
| Equity capital to assets | 10.8460% | 3,063 |
| Core capital (leverage) ratio | 10.3788% | 3,077 |
| Tier 1 risk-based capital ratio | 14.7669% | 3,621 |
| Total risk-based capital ratio | 16.0198% | 3,551 |
| Memoranda: | ||
| Average total assets | $665,591,000 | 1,002 |
| Average earning assets | $615,741,600 | 994 |
| Average equity | $72,650,000 | 1,007 |
| Average total loans | $441,355,400 | 999 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1454% | 3,191 |
| Cost of funding earning assets | 0.3210% | 4,660 |
| Net interest margin | 3.8244% | 2,529 |
| Noninterest income to average assets | 1.1388% | 929 |
| Noninterest expense to average assets | 2.9814% | 2,864 |
| Loan and lease loss provision to assets | 0.0675% | 2,997 |
| Net operating income to assets | 1.5520% | 840 |
| Return on assets (ROA) | 1.5444% | 886 |
| Pretax return on assets | 1.6203% | 1,262 |
| Return on Equity (ROE) | 14.1259% | 959 |
| Retained earnings to average equity (ytd only) | 4.8241% | 3,200 |
| Net charge-offs to loans | 0.1448% | 2,354 |
| Credit loss provision to net charge-offs | 69.5021% | 2,771 |
| Earnings coverage of net charge-offs (x) | 17.4710% | 1,899 |
| Efficiency ratio | 63.7432% | 4,592 |
| Assets per employee ($millions) | 3.9646% | 3,960 |
| Cash dividends to net income (ytd only)* | 65.8496% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5197% | 2,617 |
| Loan loss allowance to noncurrent loans | 158.9911% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.7182% | 3,664 |
| Noncurrent loans to loans | 0.9558% | 3,169 |
| Net loans and leases to total assets | 68.2697% | 2,486 |
| Net loans and leases to deposits | 78.0432% | 2,947 |
| Net loans and leases to core deposits | 79.4796% | 3,373 |
| Total domestic deposits to total assets | 87.4769% | 2,040 |
| Equity capital to assets | 11.6607% | 2,350 |
| Core capital (leverage) ratio | 10.8760% | 2,602 |
| Tier 1 risk-based capital ratio | 15.0117% | 3,579 |
| Total risk-based capital ratio | 16.2642% | 3,511 |
| Memoranda: | ||
| Average total assets | $662,090,000 | 1,023 |
| Average earning assets | $612,580,000 | 1,008 |
| Average equity | $72,385,250 | 1,009 |
| Average total loans | $443,838,000 | 998 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0684% | 3,473 |
| Cost of funding earning assets | 0.3233% | 4,720 |
| Net interest margin | 3.7451% | 2,778 |
| Noninterest income to average assets | 1.1238% | 936 |
| Noninterest expense to average assets | 2.9546% | 2,986 |
| Loan and lease loss provision to assets | 0.0893% | 2,535 |
| Net operating income to assets | 1.4767% | 915 |
| Return on assets (ROA) | 1.4747% | 953 |
| Pretax return on assets | 1.5461% | 1,405 |
| Return on Equity (ROE) | 13.7852% | 995 |
| Retained earnings to average equity (ytd only) | 3.5605% | 3,927 |
| Net charge-offs to loans | 0.1953% | 1,855 |
| Credit loss provision to net charge-offs | 68.9815% | 2,488 |
| Earnings coverage of net charge-offs (x) | 12.6481% | 2,044 |
| Efficiency ratio | 64.3412% | 4,639 |
| Assets per employee ($millions) | 4.0568% | 3,719 |
| Cash dividends to net income (ytd only)* | 74.1719% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5182% | 2,814 |
| Loan loss allowance to noncurrent loans | 161.1387% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.7016% | 3,878 |
| Noncurrent loans to loans | 0.9422% | 3,361 |
| Net loans and leases to total assets | 67.3261% | 2,530 |
| Net loans and leases to deposits | 76.5351% | 2,984 |
| Net loans and leases to core deposits | 77.8794% | 3,455 |
| Total domestic deposits to total assets | 87.9676% | 1,917 |
| Equity capital to assets | 11.2489% | 2,660 |
| Core capital (leverage) ratio | 10.4869% | 2,966 |
| Tier 1 risk-based capital ratio | 14.6709% | 3,831 |
| Total risk-based capital ratio | 15.9234% | 3,781 |
| Memoranda: | ||
| Average total assets | $667,377,330 | 1,013 |
| Average earning assets | $618,031,330 | 1,002 |
| Average equity | $71,395,330 | 1,017 |
| Average total loans | $442,455,330 | 995 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9785% | 3,775 |
| Cost of funding earning assets | 0.3246% | 4,798 |
| Net interest margin | 3.6538% | 3,047 |
| Noninterest income to average assets | 1.0760% | 963 |
| Noninterest expense to average assets | 2.9146% | 3,162 |
| Loan and lease loss provision to assets | 0.1547% | 1,567 |
| Net operating income to assets | 1.3328% | 1,140 |
| Return on assets (ROA) | 1.3288% | 1,191 |
| Pretax return on assets | 1.3901% | 1,784 |
| Return on Equity (ROE) | 12.7422% | 1,224 |
| Retained earnings to average equity (ytd only) | -0.0913% | 5,568 |
| Net charge-offs to loans | 0.0355% | 2,891 |
| Credit loss provision to net charge-offs | 666.6667% | 422 |
| Earnings coverage of net charge-offs (x) | 66.7692% | 606 |
| Efficiency ratio | 65.2985% | 4,643 |
| Assets per employee ($millions) | 4.0663% | 3,789 |
| Cash dividends to net income (ytd only)* | 100.7162% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6318% | 2,575 |
| Loan loss allowance to noncurrent loans | 116.7399% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.9958% | 3,276 |
| Noncurrent loans to loans | 1.3978% | 2,689 |
| Net loans and leases to total assets | 64.8684% | 2,747 |
| Net loans and leases to deposits | 73.2121% | 3,166 |
| Net loans and leases to core deposits | 74.6887% | 3,569 |
| Total domestic deposits to total assets | 88.6033% | 1,889 |
| Equity capital to assets | 10.6646% | 3,076 |
| Core capital (leverage) ratio | 10.2852% | 3,186 |
| Tier 1 risk-based capital ratio | 14.5256% | 3,997 |
| Total risk-based capital ratio | 15.7792% | 3,945 |
| Memoranda: | ||
| Average total assets | $672,466,000 | 1,012 |
| Average earning assets | $623,452,000 | 998 |
| Average equity | $70,129,000 | 1,039 |
| Average total loans | $439,039,000 | 1,008 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1473% | 3,550 |
| Cost of funding earning assets | 0.4017% | 4,637 |
| Net interest margin | 3.7456% | 2,874 |
| Noninterest income to average assets | 1.1002% | 1,157 |
| Noninterest expense to average assets | 2.8160% | 3,675 |
| Loan and lease loss provision to assets | 0.2403% | 1,505 |
| Net operating income to assets | 1.4390% | 939 |
| Return on assets (ROA) | 1.4437% | 971 |
| Pretax return on assets | 1.5119% | 1,406 |
| Return on Equity (ROE) | 13.6807% | 1,023 |
| Retained earnings to average equity (ytd only) | 5.4124% | 2,344 |
| Net charge-offs to loans | 0.0961% | 3,880 |
| Credit loss provision to net charge-offs | 378.3019% | 600 |
| Earnings coverage of net charge-offs (x) | 27.5094% | 1,271 |
| Efficiency ratio | 61.7109% | 5,256 |
| Assets per employee ($millions) | 4.1855% | 3,469 |
| Cash dividends to net income (ytd only)* | 60.4379% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5868% | 2,809 |
| Loan loss allowance to noncurrent loans | 110.6427% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 1.0015% | 3,414 |
| Noncurrent loans to loans | 1.4341% | 2,741 |
| Net loans and leases to total assets | 63.6165% | 3,113 |
| Net loans and leases to deposits | 71.4714% | 3,595 |
| Net loans and leases to core deposits | 73.0084% | 3,944 |
| Total domestic deposits to total assets | 89.0097% | 1,614 |
| Equity capital to assets | 10.1965% | 3,509 |
| Core capital (leverage) ratio | 10.2045% | 3,287 |
| Tier 1 risk-based capital ratio | 14.3949% | 4,019 |
| Total risk-based capital ratio | 15.6477% | 3,964 |
| Memoranda: | ||
| Average total assets | $667,586,600 | 995 |
| Average earning assets | $617,200,600 | 987 |
| Average equity | $70,449,600 | 1,013 |
| Average total loans | $441,339,600 | 966 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1672% | 3,502 |
| Cost of funding earning assets | 0.4201% | 4,614 |
| Net interest margin | 3.7471% | 2,859 |
| Noninterest income to average assets | 1.1058% | 1,198 |
| Noninterest expense to average assets | 2.8225% | 3,585 |
| Loan and lease loss provision to assets | 0.2546% | 1,399 |
| Net operating income to assets | 1.4211% | 1,053 |
| Return on assets (ROA) | 1.4274% | 1,095 |
| Pretax return on assets | 1.4956% | 1,625 |
| Return on Equity (ROE) | 13.4107% | 1,137 |
| Retained earnings to average equity (ytd only) | 8.2774% | 1,306 |
| Net charge-offs to loans | -0.0223% | 6,074 |
| Credit loss provision to net charge-offs | -1,716.2162% | 6,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8144% | 5,162 |
| Assets per employee ($millions) | 4.0666% | 3,705 |
| Cash dividends to net income (ytd only)* | 38.2778% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6005% | 2,999 |
| Loan loss allowance to noncurrent loans | 103.1440% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 1.1355% | 3,382 |
| Noncurrent loans to loans | 1.5518% | 2,836 |
| Net loans and leases to total assets | 66.8485% | 2,493 |
| Net loans and leases to deposits | 75.6146% | 3,012 |
| Net loans and leases to core deposits | 77.3367% | 3,452 |
| Total domestic deposits to total assets | 88.4069% | 1,889 |
| Equity capital to assets | 10.8085% | 2,945 |
| Core capital (leverage) ratio | 10.6647% | 2,822 |
| Tier 1 risk-based capital ratio | 14.6012% | 4,014 |
| Total risk-based capital ratio | 15.8547% | 3,961 |
| Memoranda: | ||
| Average total assets | $664,969,750 | 1,009 |
| Average earning assets | $614,076,000 | 1,000 |
| Average equity | $70,777,500 | 1,013 |
| Average total loans | $442,097,250 | 971 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1276% | 3,632 |
| Cost of funding earning assets | 0.4440% | 4,494 |
| Net interest margin | 3.6836% | 3,020 |
| Noninterest income to average assets | 1.0763% | 1,321 |
| Noninterest expense to average assets | 2.7831% | 3,734 |
| Loan and lease loss provision to assets | 0.2493% | 1,497 |
| Net operating income to assets | 1.3775% | 1,125 |
| Return on assets (ROA) | 1.3857% | 1,193 |
| Pretax return on assets | 1.4513% | 1,761 |
| Return on Equity (ROE) | 13.0853% | 1,225 |
| Retained earnings to average equity (ytd only) | 9.0588% | 1,099 |
| Net charge-offs to loans | -0.0372% | 6,150 |
| Credit loss provision to net charge-offs | -1,015.8537% | 6,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1932% | 5,150 |
| Assets per employee ($millions) | 4.0178% | 3,759 |
| Cash dividends to net income (ytd only)* | 30.7709% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4926% | 3,618 |
| Loan loss allowance to noncurrent loans | 105.8377% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 1.1115% | 3,508 |
| Noncurrent loans to loans | 1.4103% | 3,181 |
| Net loans and leases to total assets | 68.2556% | 2,186 |
| Net loans and leases to deposits | 77.9491% | 2,578 |
| Net loans and leases to core deposits | 79.7141% | 3,059 |
| Total domestic deposits to total assets | 87.5643% | 2,510 |
| Equity capital to assets | 10.7344% | 3,015 |
| Core capital (leverage) ratio | 10.2100% | 3,216 |
| Tier 1 risk-based capital ratio | 14.2099% | 4,282 |
| Total risk-based capital ratio | 15.4620% | 4,239 |
| Memoranda: | ||
| Average total assets | $668,387,670 | 998 |
| Average earning assets | $616,682,670 | 998 |
| Average equity | $70,781,670 | 1,018 |
| Average total loans | $441,200,670 | 968 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0363% | 3,968 |
| Cost of funding earning assets | 0.4554% | 4,535 |
| Net interest margin | 3.5809% | 3,339 |
| Noninterest income to average assets | 1.0372% | 1,372 |
| Noninterest expense to average assets | 2.7370% | 3,924 |
| Loan and lease loss provision to assets | 0.2427% | 1,488 |
| Net operating income to assets | 1.2963% | 1,285 |
| Return on assets (ROA) | 1.2963% | 1,386 |
| Pretax return on assets | 1.3546% | 2,023 |
| Return on Equity (ROE) | 12.3213% | 1,337 |
| Retained earnings to average equity (ytd only) | 8.8225% | 1,447 |
| Net charge-offs to loans | -0.1024% | 6,456 |
| Credit loss provision to net charge-offs | -367.8571% | 5,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1472% | 5,134 |
| Assets per employee ($millions) | 4.1939% | 3,547 |
| Cash dividends to net income (ytd only)* | 28.3962% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4420% | 4,043 |
| Loan loss allowance to noncurrent loans | 91.9159% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.0985% | 3,734 |
| Noncurrent loans to loans | 1.5688% | 3,185 |
| Net loans and leases to total assets | 63.7597% | 2,758 |
| Net loans and leases to deposits | 72.5648% | 3,114 |
| Net loans and leases to core deposits | 74.2812% | 3,543 |
| Total domestic deposits to total assets | 87.8659% | 2,403 |
| Equity capital to assets | 10.5912% | 3,442 |
| Core capital (leverage) ratio | 9.7629% | 3,713 |
| Tier 1 risk-based capital ratio | 13.9348% | 4,555 |
| Total risk-based capital ratio | 15.1860% | 4,514 |
| Memoranda: | ||
| Average total assets | $679,145,000 | 991 |
| Average earning assets | $625,321,500 | 993 |
| Average equity | $71,453,500 | 1,020 |
| Average total loans | $437,692,500 | 979 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3781% | 3,906 |
| Cost of funding earning assets | 0.6445% | 3,964 |
| Net interest margin | 3.7337% | 3,509 |
| Noninterest income to average assets | 1.0492% | 1,408 |
| Noninterest expense to average assets | 2.7699% | 4,145 |
| Loan and lease loss provision to assets | 0.4594% | 1,369 |
| Net operating income to assets | 1.2013% | 1,598 |
| Return on assets (ROA) | 1.2571% | 1,587 |
| Pretax return on assets | 1.3092% | 2,366 |
| Return on Equity (ROE) | 12.0551% | 1,496 |
| Retained earnings to average equity (ytd only) | 5.8502% | 2,162 |
| Net charge-offs to loans | 1.1886% | 851 |
| Credit loss provision to net charge-offs | 58.8508% | 4,476 |
| Earnings coverage of net charge-offs (x) | 2.1913% | 4,324 |
| Efficiency ratio | 61.8234% | 5,262 |
| Assets per employee ($millions) | 4.1651% | 3,624 |
| Cash dividends to net income (ytd only)* | 51.4715% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 4,544 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 1.1952% | 3,665 |
| Noncurrent loans to loans | 1.3168% | 3,635 |
| Net loans and leases to total assets | 63.3600% | 2,996 |
| Net loans and leases to deposits | 72.7800% | 3,284 |
| Net loans and leases to core deposits | 74.3923% | 3,733 |
| Total domestic deposits to total assets | 87.0568% | 2,812 |
| Equity capital to assets | 10.4518% | 3,583 |
| Core capital (leverage) ratio | 9.5605% | 4,022 |
| Tier 1 risk-based capital ratio | 13.5330% | 4,729 |
| Total risk-based capital ratio | 14.7565% | 4,698 |
| Memoranda: | ||
| Average total assets | $662,215,400 | 994 |
| Average earning assets | $608,572,800 | 985 |
| Average equity | $69,058,000 | 1,022 |
| Average total loans | $434,894,400 | 961 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 3,897 |
| Cost of funding earning assets | 0.6828% | 3,917 |
| Net interest margin | 3.7536% | 3,530 |
| Noninterest income to average assets | 1.0638% | 1,334 |
| Noninterest expense to average assets | 2.7697% | 4,092 |
| Loan and lease loss provision to assets | 0.5088% | 1,198 |
| Net operating income to assets | 1.1882% | 1,780 |
| Return on assets (ROA) | 1.1882% | 1,962 |
| Pretax return on assets | 1.2381% | 2,831 |
| Return on Equity (ROE) | 11.4006% | 1,821 |
| Retained earnings to average equity (ytd only) | 4.1961% | 3,940 |
| Net charge-offs to loans | 0.4015% | 2,492 |
| Credit loss provision to net charge-offs | 191.8133% | 1,448 |
| Earnings coverage of net charge-offs (x) | 6.5861% | 2,760 |
| Efficiency ratio | 61.3228% | 5,257 |
| Assets per employee ($millions) | 4.0806% | 3,717 |
| Cash dividends to net income (ytd only)* | 63.1939% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0377% | 2,064 |
| Loan loss allowance to noncurrent loans | 97.7763% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 1.7431% | 2,992 |
| Noncurrent loans to loans | 2.0841% | 2,758 |
| Net loans and leases to total assets | 65.7872% | 2,691 |
| Net loans and leases to deposits | 75.6963% | 3,031 |
| Net loans and leases to core deposits | 77.4115% | 3,544 |
| Total domestic deposits to total assets | 86.9094% | 2,729 |
| Equity capital to assets | 10.5441% | 3,789 |
| Core capital (leverage) ratio | 9.4244% | 4,381 |
| Tier 1 risk-based capital ratio | 13.1133% | 5,159 |
| Total risk-based capital ratio | 14.3716% | 5,110 |
| Memoranda: | ||
| Average total assets | $657,001,750 | 1,009 |
| Average earning assets | $604,354,500 | 999 |
| Average equity | $68,474,250 | 1,036 |
| Average total loans | $433,976,000 | 968 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4605% | 3,940 |
| Cost of funding earning assets | 0.7089% | 3,945 |
| Net interest margin | 3.7516% | 3,583 |
| Noninterest income to average assets | 1.0534% | 1,304 |
| Noninterest expense to average assets | 2.7774% | 4,105 |
| Loan and lease loss provision to assets | 0.1550% | 3,582 |
| Net operating income to assets | 1.5058% | 982 |
| Return on assets (ROA) | 1.5058% | 1,102 |
| Pretax return on assets | 1.5779% | 1,615 |
| Return on Equity (ROE) | 14.5050% | 1,011 |
| Retained earnings to average equity (ytd only) | 9.4992% | 1,114 |
| Net charge-offs to loans | 0.5436% | 1,965 |
| Credit loss provision to net charge-offs | 43.4075% | 4,185 |
| Earnings coverage of net charge-offs (x) | 4.8536% | 2,971 |
| Efficiency ratio | 61.5791% | 5,315 |
| Assets per employee ($millions) | 4.0209% | 3,829 |
| Cash dividends to net income (ytd only)* | 34.5108% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6717% | 3,350 |
| Loan loss allowance to noncurrent loans | 540.7767% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.5761% | 5,323 |
| Noncurrent loans to loans | 0.3091% | 5,938 |
| Net loans and leases to total assets | 64.5882% | 2,910 |
| Net loans and leases to deposits | 74.6574% | 3,181 |
| Net loans and leases to core deposits | 76.4398% | 3,724 |
| Total domestic deposits to total assets | 86.5128% | 3,063 |
| Equity capital to assets | 10.6409% | 3,524 |
| Core capital (leverage) ratio | 9.6737% | 3,882 |
| Tier 1 risk-based capital ratio | 13.6222% | 4,724 |
| Total risk-based capital ratio | 14.9625% | 4,628 |
| Memoranda: | ||
| Average total assets | $654,289,330 | 1,013 |
| Average earning assets | $602,894,670 | 1,000 |
| Average equity | $67,921,330 | 1,033 |
| Average total loans | $429,742,000 | 976 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4693% | 4,033 |
| Cost of funding earning assets | 0.7379% | 3,963 |
| Net interest margin | 3.7314% | 3,689 |
| Noninterest income to average assets | 1.0508% | 1,306 |
| Noninterest expense to average assets | 2.8656% | 3,764 |
| Loan and lease loss provision to assets | 0.2829% | 2,207 |
| Net operating income to assets | 1.2785% | 1,509 |
| Return on assets (ROA) | 1.2785% | 1,683 |
| Pretax return on assets | 1.3472% | 2,369 |
| Return on Equity (ROE) | 12.4735% | 1,535 |
| Retained earnings to average equity (ytd only) | 5.2876% | 3,383 |
| Net charge-offs to loans | 0.0318% | 4,240 |
| Credit loss provision to net charge-offs | 1,355.8824% | 254 |
| Earnings coverage of net charge-offs (x) | 78.1176% | 427 |
| Efficiency ratio | 63.7406% | 4,972 |
| Assets per employee ($millions) | 4.0073% | 3,997 |
| Cash dividends to net income (ytd only)* | 57.6092% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9495% | 2,525 |
| Loan loss allowance to noncurrent loans | 197.6038% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.8571% | 4,812 |
| Noncurrent loans to loans | 0.9866% | 4,700 |
| Net loans and leases to total assets | 63.3572% | 2,976 |
| Net loans and leases to deposits | 72.9085% | 3,282 |
| Net loans and leases to core deposits | 74.9513% | 3,753 |
| Total domestic deposits to total assets | 86.8996% | 3,016 |
| Equity capital to assets | 10.1708% | 3,887 |
| Core capital (leverage) ratio | 9.4547% | 4,109 |
| Tier 1 risk-based capital ratio | 13.3185% | 4,960 |
| Total risk-based capital ratio | 14.6633% | 4,881 |
| Memoranda: | ||
| Average total assets | $651,720,500 | 1,015 |
| Average earning assets | $601,701,500 | 1,001 |
| Average equity | $66,797,500 | 1,047 |
| Average total loans | $428,036,500 | 977 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7091% | 4,202 |
| Cost of funding earning assets | 0.9282% | 3,894 |
| Net interest margin | 3.7809% | 3,920 |
| Noninterest income to average assets | 1.0919% | 1,114 |
| Noninterest expense to average assets | 2.9089% | 3,928 |
| Loan and lease loss provision to assets | 0.2546% | 3,660 |
| Net operating income to assets | 1.3726% | 1,076 |
| Return on assets (ROA) | 1.4409% | 1,024 |
| Pretax return on assets | 1.5144% | 1,428 |
| Return on Equity (ROE) | 14.4131% | 840 |
| Retained earnings to average equity (ytd only) | 5.9999% | 2,015 |
| Net charge-offs to loans | 0.2882% | 3,971 |
| Credit loss provision to net charge-offs | 128.6174% | 2,400 |
| Earnings coverage of net charge-offs (x) | 8.5723% | 2,121 |
| Efficiency ratio | 63.1539% | 5,268 |
| Assets per employee ($millions) | 3.8002% | 4,313 |
| Cash dividends to net income (ytd only)* | 58.3720% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8427% | 2,736 |
| Loan loss allowance to noncurrent loans | 251.4959% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.6252% | 5,401 |
| Noncurrent loans to loans | 0.7327% | 5,233 |
| Net loans and leases to total assets | 65.5399% | 2,868 |
| Net loans and leases to deposits | 75.6003% | 3,240 |
| Net loans and leases to core deposits | 77.8289% | 3,701 |
| Total domestic deposits to total assets | 86.6927% | 2,918 |
| Equity capital to assets | 10.3304% | 3,741 |
| Core capital (leverage) ratio | 9.4895% | 4,038 |
| Tier 1 risk-based capital ratio | 13.2612% | 4,867 |
| Total risk-based capital ratio | 14.9620% | 4,508 |
| Memoranda: | ||
| Average total assets | $628,352,800 | 1,034 |
| Average earning assets | $584,016,600 | 1,012 |
| Average equity | $62,818,000 | 1,071 |
| Average total loans | $431,673,800 | 969 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7395% | 4,284 |
| Cost of funding earning assets | 0.9675% | 3,913 |
| Net interest margin | 3.7720% | 4,005 |
| Noninterest income to average assets | 1.1035% | 1,093 |
| Noninterest expense to average assets | 2.9093% | 3,891 |
| Loan and lease loss provision to assets | 0.2825% | 3,261 |
| Net operating income to assets | 1.3503% | 1,266 |
| Return on assets (ROA) | 1.4419% | 1,148 |
| Pretax return on assets | 1.5196% | 1,599 |
| Return on Equity (ROE) | 14.5480% | 934 |
| Retained earnings to average equity (ytd only) | 7.5409% | 1,693 |
| Net charge-offs to loans | 0.2319% | 3,980 |
| Credit loss provision to net charge-offs | 176.0638% | 1,692 |
| Earnings coverage of net charge-offs (x) | 10.6303% | 1,897 |
| Efficiency ratio | 63.0404% | 5,233 |
| Assets per employee ($millions) | 3.7328% | 4,453 |
| Cash dividends to net income (ytd only)* | 48.1651% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8778% | 2,682 |
| Loan loss allowance to noncurrent loans | 196.0870% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.8082% | 5,153 |
| Noncurrent loans to loans | 0.9576% | 4,967 |
| Net loans and leases to total assets | 68.4577% | 2,388 |
| Net loans and leases to deposits | 79.3124% | 2,758 |
| Net loans and leases to core deposits | 82.1761% | 3,298 |
| Total domestic deposits to total assets | 86.3140% | 3,030 |
| Equity capital to assets | 10.5240% | 3,677 |
| Core capital (leverage) ratio | 9.6400% | 3,932 |
| Tier 1 risk-based capital ratio | 13.2603% | 4,907 |
| Total risk-based capital ratio | 14.9636% | 4,532 |
| Memoranda: | ||
| Average total assets | $624,880,500 | 1,050 |
| Average earning assets | $581,709,750 | 1,020 |
| Average equity | $61,936,000 | 1,096 |
| Average total loans | $432,385,500 | 980 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6924% | 4,557 |
| Cost of funding earning assets | 1.0049% | 3,919 |
| Net interest margin | 3.6875% | 4,322 |
| Noninterest income to average assets | 1.0989% | 1,074 |
| Noninterest expense to average assets | 2.9025% | 4,013 |
| Loan and lease loss provision to assets | 0.2984% | 3,016 |
| Net operating income to assets | 1.2695% | 1,396 |
| Return on assets (ROA) | 1.4066% | 1,130 |
| Pretax return on assets | 1.4819% | 1,580 |
| Return on Equity (ROE) | 14.4861% | 891 |
| Retained earnings to average equity (ytd only) | 5.8576% | 2,514 |
| Net charge-offs to loans | 0.1193% | 4,516 |
| Credit loss provision to net charge-offs | 362.4031% | 844 |
| Earnings coverage of net charge-offs (x) | 19.8682% | 1,201 |
| Efficiency ratio | 63.9522% | 5,248 |
| Assets per employee ($millions) | 3.8803% | 4,040 |
| Cash dividends to net income (ytd only)* | 59.5643% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8902% | 2,699 |
| Loan loss allowance to noncurrent loans | 252.2393% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.5789% | 5,769 |
| Noncurrent loans to loans | 0.7494% | 5,412 |
| Net loans and leases to total assets | 67.8967% | 2,635 |
| Net loans and leases to deposits | 78.0926% | 3,107 |
| Net loans and leases to core deposits | 81.4565% | 3,589 |
| Total domestic deposits to total assets | 86.9438% | 2,774 |
| Equity capital to assets | 9.9145% | 4,257 |
| Core capital (leverage) ratio | 9.3162% | 4,229 |
| Tier 1 risk-based capital ratio | 12.8383% | 5,056 |
| Total risk-based capital ratio | 14.5406% | 4,674 |
| Memoranda: | ||
| Average total assets | $626,627,000 | 1,053 |
| Average earning assets | $584,519,000 | 1,022 |
| Average equity | $60,844,330 | 1,105 |
| Average total loans | $432,410,670 | 996 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6499% | 4,746 |
| Cost of funding earning assets | 1.0220% | 4,050 |
| Net interest margin | 3.6278% | 4,447 |
| Noninterest income to average assets | 1.1118% | 1,061 |
| Noninterest expense to average assets | 2.9723% | 3,755 |
| Loan and lease loss provision to assets | 0.3056% | 2,726 |
| Net operating income to assets | 1.1572% | 1,636 |
| Return on assets (ROA) | 1.1572% | 1,689 |
| Pretax return on assets | 1.2154% | 2,321 |
| Return on Equity (ROE) | 12.0456% | 1,450 |
| Retained earnings to average equity (ytd only) | -1.2312% | 6,031 |
| Net charge-offs to loans | 0.1550% | 3,557 |
| Credit loss provision to net charge-offs | 286.2275% | 1,112 |
| Earnings coverage of net charge-offs (x) | 14.2455% | 1,381 |
| Efficiency ratio | 66.1497% | 5,010 |
| Assets per employee ($millions) | 3.7425% | 4,447 |
| Cash dividends to net income (ytd only)* | 110.2210% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8257% | 2,932 |
| Loan loss allowance to noncurrent loans | 336.6324% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.4196% | 6,154 |
| Noncurrent loans to loans | 0.5423% | 5,942 |
| Net loans and leases to total assets | 68.0069% | 2,546 |
| Net loans and leases to deposits | 77.9563% | 3,066 |
| Net loans and leases to core deposits | 81.3957% | 3,542 |
| Total domestic deposits to total assets | 87.2372% | 2,807 |
| Equity capital to assets | 9.6752% | 4,208 |
| Core capital (leverage) ratio | 8.9613% | 4,675 |
| Tier 1 risk-based capital ratio | 12.3694% | 5,377 |
| Total risk-based capital ratio | 14.0695% | 4,944 |
| Memoranda: | ||
| Average total assets | $625,638,000 | 1,065 |
| Average earning assets | $583,158,000 | 1,035 |
| Average equity | $60,105,000 | 1,109 |
| Average total loans | $431,103,500 | 1,013 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8603% | 5,198 |
| Cost of funding earning assets | 1.2148% | 4,458 |
| Net interest margin | 3.6455% | 4,593 |
| Noninterest income to average assets | 1.0572% | 1,341 |
| Noninterest expense to average assets | 2.8624% | 4,369 |
| Loan and lease loss provision to assets | 0.2302% | 4,979 |
| Net operating income to assets | 1.2736% | 1,238 |
| Return on assets (ROA) | 1.2736% | 1,304 |
| Pretax return on assets | 1.3337% | 1,849 |
| Return on Equity (ROE) | 13.7682% | 936 |
| Retained earnings to average equity (ytd only) | 12.2174% | 257 |
| Net charge-offs to loans | 0.1547% | 5,422 |
| Credit loss provision to net charge-offs | 210.9955% | 1,451 |
| Earnings coverage of net charge-offs (x) | 14.3358% | 1,349 |
| Efficiency ratio | 64.6684% | 5,230 |
| Assets per employee ($millions) | 3.8183% | 4,212 |
| Cash dividends to net income (ytd only)* | 11.2638% | 3,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7474% | 3,044 |
| Loan loss allowance to noncurrent loans | 337.1761% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.4751% | 6,093 |
| Noncurrent loans to loans | 0.5182% | 6,004 |
| Net loans and leases to total assets | 67.3482% | 3,139 |
| Net loans and leases to deposits | 77.1058% | 3,659 |
| Net loans and leases to core deposits | 80.8394% | 4,088 |
| Total domestic deposits to total assets | 87.3451% | 2,641 |
| Equity capital to assets | 9.5397% | 4,349 |
| Core capital (leverage) ratio | 9.0795% | 4,395 |
| Tier 1 risk-based capital ratio | 12.1670% | 5,320 |
| Total risk-based capital ratio | 13.8570% | 4,915 |
| Memoranda: | ||
| Average total assets | $616,923,000 | 1,081 |
| Average earning assets | $570,147,200 | 1,058 |
| Average equity | $57,066,200 | 1,166 |
| Average total loans | $434,978,600 | 1,032 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9016% | 5,257 |
| Cost of funding earning assets | 1.2474% | 4,588 |
| Net interest margin | 3.6543% | 4,614 |
| Noninterest income to average assets | 1.0851% | 1,211 |
| Noninterest expense to average assets | 2.8393% | 4,314 |
| Loan and lease loss provision to assets | 0.2931% | 4,230 |
| Net operating income to assets | 1.2661% | 1,427 |
| Return on assets (ROA) | 1.2661% | 1,507 |
| Pretax return on assets | 1.3249% | 2,107 |
| Return on Equity (ROE) | 13.7978% | 1,074 |
| Retained earnings to average equity (ytd only) | 13.0519% | 346 |
| Net charge-offs to loans | 0.0597% | 5,914 |
| Credit loss provision to net charge-offs | 691.7949% | 429 |
| Earnings coverage of net charge-offs (x) | 38.1903% | 713 |
| Efficiency ratio | 63.6997% | 5,297 |
| Assets per employee ($millions) | 3.8197% | 4,217 |
| Cash dividends to net income (ytd only)* | 5.4059% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8214% | 2,719 |
| Loan loss allowance to noncurrent loans | 352.8394% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.8000% | 5,498 |
| Noncurrent loans to loans | 0.5162% | 6,164 |
| Net loans and leases to total assets | 68.8529% | 3,020 |
| Net loans and leases to deposits | 78.7919% | 3,672 |
| Net loans and leases to core deposits | 83.6827% | 3,996 |
| Total domestic deposits to total assets | 87.3858% | 2,327 |
| Equity capital to assets | 9.4850% | 4,870 |
| Core capital (leverage) ratio | 8.9773% | 4,731 |
| Tier 1 risk-based capital ratio | 11.9034% | 5,550 |
| Total risk-based capital ratio | 13.5968% | 5,099 |
| Memoranda: | ||
| Average total assets | $613,649,500 | 1,095 |
| Average earning assets | $566,299,000 | 1,074 |
| Average equity | $56,307,250 | 1,178 |
| Average total loans | $435,760,500 | 1,034 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8865% | 5,454 |
| Cost of funding earning assets | 1.2649% | 4,744 |
| Net interest margin | 3.6216% | 4,728 |
| Noninterest income to average assets | 1.0441% | 1,238 |
| Noninterest expense to average assets | 2.8212% | 4,388 |
| Loan and lease loss provision to assets | 0.2787% | 4,170 |
| Net operating income to assets | 1.2305% | 1,482 |
| Return on assets (ROA) | 1.2305% | 1,546 |
| Pretax return on assets | 1.2871% | 2,132 |
| Return on Equity (ROE) | 13.5652% | 1,126 |
| Retained earnings to average equity (ytd only) | 12.4279% | 438 |
| Net charge-offs to loans | 0.0266% | 5,960 |
| Credit loss provision to net charge-offs | 1,467.2414% | 275 |
| Earnings coverage of net charge-offs (x) | 82.4310% | 389 |
| Efficiency ratio | 64.3076% | 5,275 |
| Assets per employee ($millions) | 3.8990% | 3,978 |
| Cash dividends to net income (ytd only)* | 8.3843% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7439% | 2,925 |
| Loan loss allowance to noncurrent loans | 327.5237% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.8224% | 5,477 |
| Noncurrent loans to loans | 0.5324% | 6,188 |
| Net loans and leases to total assets | 70.3280% | 2,831 |
| Net loans and leases to deposits | 80.4514% | 3,523 |
| Net loans and leases to core deposits | 85.6198% | 3,885 |
| Total domestic deposits to total assets | 87.4168% | 2,313 |
| Equity capital to assets | 9.4119% | 4,846 |
| Core capital (leverage) ratio | 8.5968% | 5,240 |
| Tier 1 risk-based capital ratio | 11.6294% | 5,648 |
| Total risk-based capital ratio | 13.3288% | 5,213 |
| Memoranda: | ||
| Average total assets | $610,663,670 | 1,105 |
| Average earning assets | $563,680,670 | 1,085 |
| Average equity | $55,391,670 | 1,191 |
| Average total loans | $435,468,670 | 1,041 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8565% | 5,658 |
| Cost of funding earning assets | 1.2755% | 4,959 |
| Net interest margin | 3.5810% | 4,809 |
| Noninterest income to average assets | 0.9623% | 1,413 |
| Noninterest expense to average assets | 2.7738% | 4,588 |
| Loan and lease loss provision to assets | 0.2798% | 3,793 |
| Net operating income to assets | 1.1571% | 1,655 |
| Return on assets (ROA) | 1.1571% | 1,734 |
| Pretax return on assets | 1.2087% | 2,336 |
| Return on Equity (ROE) | 12.9994% | 1,254 |
| Retained earnings to average equity (ytd only) | 11.7876% | 783 |
| Net charge-offs to loans | 0.0055% | 5,539 |
| Credit loss provision to net charge-offs | 7,133.3333% | 65 |
| Earnings coverage of net charge-offs (x) | 379.5000% | 71 |
| Efficiency ratio | 65.0767% | 5,294 |
| Assets per employee ($millions) | 3.8153% | 4,275 |
| Cash dividends to net income (ytd only)* | 9.3220% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6719% | 3,166 |
| Loan loss allowance to noncurrent loans | 397.1947% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.7682% | 5,612 |
| Noncurrent loans to loans | 0.4209% | 6,453 |
| Net loans and leases to total assets | 69.1370% | 3,130 |
| Net loans and leases to deposits | 78.6096% | 3,922 |
| Net loans and leases to core deposits | 83.1608% | 4,317 |
| Total domestic deposits to total assets | 87.9498% | 2,093 |
| Equity capital to assets | 8.9855% | 5,300 |
| Core capital (leverage) ratio | 8.4406% | 5,481 |
| Tier 1 risk-based capital ratio | 11.2275% | 5,927 |
| Total risk-based capital ratio | 12.9262% | 5,465 |
| Memoranda: | ||
| Average total assets | $611,875,000 | 1,122 |
| Average earning assets | $563,858,000 | 1,108 |
| Average equity | $54,464,000 | 1,227 |
| Average total loans | $435,525,000 | 1,070 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0905% | 6,123 |
| Cost of funding earning assets | 1.6542% | 4,768 |
| Net interest margin | 3.4363% | 5,230 |
| Noninterest income to average assets | 0.9546% | 1,727 |
| Noninterest expense to average assets | 2.8291% | 4,840 |
| Loan and lease loss provision to assets | 0.4248% | 4,279 |
| Net operating income to assets | 0.8613% | 2,306 |
| Return on assets (ROA) | 0.8613% | 2,374 |
| Pretax return on assets | 0.8813% | 2,987 |
| Return on Equity (ROE) | 9.9260% | 1,715 |
| Retained earnings to average equity (ytd only) | 9.1124% | 479 |
| Net charge-offs to loans | 0.5252% | 3,681 |
| Credit loss provision to net charge-offs | 106.8047% | 5,191 |
| Earnings coverage of net charge-offs (x) | 3.2840% | 3,424 |
| Efficiency ratio | 68.4146% | 4,942 |
| Assets per employee ($millions) | 3.8576% | 4,122 |
| Cash dividends to net income (ytd only)* | 8.1967% | 3,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5482% | 3,486 |
| Loan loss allowance to noncurrent loans | 206.1552% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.8391% | 5,424 |
| Noncurrent loans to loans | 0.7510% | 5,761 |
| Net loans and leases to total assets | 70.9362% | 3,025 |
| Net loans and leases to deposits | 81.3075% | 3,738 |
| Net loans and leases to core deposits | 98.4435% | 4,185 |
| Total domestic deposits to total assets | 87.2443% | 2,363 |
| Equity capital to assets | 8.8162% | 5,406 |
| Core capital (leverage) ratio | 8.1774% | 5,856 |
| Tier 1 risk-based capital ratio | 10.6233% | 6,277 |
| Total risk-based capital ratio | 12.3103% | 5,826 |
| Memoranda: | ||
| Average total assets | $594,887,000 | 1,162 |
| Average earning assets | $550,614,800 | 1,145 |
| Average equity | $51,622,200 | 1,294 |
| Average total loans | $450,488,800 | 1,062 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1011% | 6,262 |
| Cost of funding earning assets | 1.7200% | 4,802 |
| Net interest margin | 3.3811% | 5,347 |
| Noninterest income to average assets | 0.9704% | 1,706 |
| Noninterest expense to average assets | 2.7808% | 4,970 |
| Loan and lease loss provision to assets | 0.2970% | 4,590 |
| Net operating income to assets | 0.9918% | 2,091 |
| Return on assets (ROA) | 0.9918% | 2,151 |
| Pretax return on assets | 1.0299% | 2,806 |
| Return on Equity (ROE) | 11.4765% | 1,491 |
| Retained earnings to average equity (ytd only) | 10.6415% | 524 |
| Net charge-offs to loans | 0.2521% | 4,472 |
| Credit loss provision to net charge-offs | 153.6756% | 3,113 |
| Earnings coverage of net charge-offs (x) | 6.8658% | 2,525 |
| Efficiency ratio | 67.6970% | 5,042 |
| Assets per employee ($millions) | 3.7651% | 4,273 |
| Cash dividends to net income (ytd only)* | 7.2761% | 3,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5760% | 3,094 |
| Loan loss allowance to noncurrent loans | 127.3412% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 1.3564% | 4,378 |
| Noncurrent loans to loans | 1.2376% | 4,879 |
| Net loans and leases to total assets | 74.5136% | 2,375 |
| Net loans and leases to deposits | 85.7135% | 3,377 |
| Net loans and leases to core deposits | 103.8640% | 3,954 |
| Total domestic deposits to total assets | 86.9333% | 2,212 |
| Equity capital to assets | 8.9574% | 5,542 |
| Core capital (leverage) ratio | 8.1517% | 6,100 |
| Tier 1 risk-based capital ratio | 10.2788% | 6,703 |
| Total risk-based capital ratio | 11.9563% | 6,217 |
| Memoranda: | ||
| Average total assets | $591,235,500 | 1,180 |
| Average earning assets | $548,602,250 | 1,161 |
| Average equity | $51,094,250 | 1,325 |
| Average total loans | $453,323,500 | 1,078 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0773% | 6,519 |
| Cost of funding earning assets | 1.7706% | 4,904 |
| Net interest margin | 3.3067% | 5,529 |
| Noninterest income to average assets | 0.9654% | 1,712 |
| Noninterest expense to average assets | 2.7765% | 5,060 |
| Loan and lease loss provision to assets | 0.3278% | 3,972 |
| Net operating income to assets | 0.9268% | 2,357 |
| Return on assets (ROA) | 0.9268% | 2,449 |
| Pretax return on assets | 0.9352% | 3,225 |
| Return on Equity (ROE) | 10.8571% | 1,738 |
| Retained earnings to average equity (ytd only) | 10.3806% | 655 |
| Net charge-offs to loans | 0.2258% | 4,085 |
| Credit loss provision to net charge-offs | 188.4990% | 2,423 |
| Earnings coverage of net charge-offs (x) | 7.2632% | 2,467 |
| Efficiency ratio | 68.7337% | 5,023 |
| Assets per employee ($millions) | 3.8109% | 4,071 |
| Cash dividends to net income (ytd only)* | 4.3892% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5721% | 2,858 |
| Loan loss allowance to noncurrent loans | 98.7469% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 1.3001% | 4,341 |
| Noncurrent loans to loans | 1.5920% | 4,108 |
| Net loans and leases to total assets | 73.2795% | 2,888 |
| Net loans and leases to deposits | 83.7991% | 3,920 |
| Net loans and leases to core deposits | 101.6724% | 4,314 |
| Total domestic deposits to total assets | 87.4466% | 2,034 |
| Equity capital to assets | 8.4987% | 6,050 |
| Core capital (leverage) ratio | 7.8764% | 6,523 |
| Tier 1 risk-based capital ratio | 9.9623% | 6,973 |
| Total risk-based capital ratio | 11.6397% | 6,430 |
| Memoranda: | ||
| Average total assets | $590,016,330 | 1,207 |
| Average earning assets | $548,519,330 | 1,182 |
| Average equity | $50,363,330 | 1,359 |
| Average total loans | $454,306,670 | 1,099 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2209% | 6,218 |
| Cost of funding earning assets | 1.8275% | 4,990 |
| Net interest margin | 3.3934% | 5,166 |
| Noninterest income to average assets | 0.9113% | 1,806 |
| Noninterest expense to average assets | 2.7015% | 4,999 |
| Loan and lease loss provision to assets | 0.3223% | 3,393 |
| Net operating income to assets | 1.0315% | 2,185 |
| Return on assets (ROA) | 1.0315% | 2,326 |
| Pretax return on assets | 1.0343% | 3,230 |
| Return on Equity (ROE) | 12.0571% | 1,642 |
| Retained earnings to average equity (ytd only) | 11.0931% | 950 |
| Net charge-offs to loans | 0.1913% | 3,490 |
| Credit loss provision to net charge-offs | 215.1376% | 2,098 |
| Earnings coverage of net charge-offs (x) | 9.0550% | 2,113 |
| Efficiency ratio | 66.5707% | 5,217 |
| Assets per employee ($millions) | 3.6314% | 4,502 |
| Cash dividends to net income (ytd only)* | 7.9947% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5169% | 2,881 |
| Loan loss allowance to noncurrent loans | 193.6744% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.6691% | 5,490 |
| Noncurrent loans to loans | 0.7832% | 5,482 |
| Net loans and leases to total assets | 76.0264% | 2,258 |
| Net loans and leases to deposits | 87.0053% | 3,470 |
| Net loans and leases to core deposits | 106.7852% | 3,820 |
| Total domestic deposits to total assets | 87.3814% | 2,024 |
| Equity capital to assets | 8.5832% | 5,940 |
| Core capital (leverage) ratio | 7.9586% | 6,532 |
| Tier 1 risk-based capital ratio | 9.7586% | 7,190 |
| Total risk-based capital ratio | 11.4380% | 6,640 |
| Memoranda: | ||
| Average total assets | $582,055,000 | 1,224 |
| Average earning assets | $539,755,000 | 1,203 |
| Average equity | $49,796,500 | 1,380 |
| Average total loans | $455,899,500 | 1,103 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1365% | 4,854 |
| Cost of funding earning assets | 2.4659% | 4,385 |
| Net interest margin | 3.6706% | 4,599 |
| Noninterest income to average assets | 0.7992% | 2,519 |
| Noninterest expense to average assets | 2.8222% | 4,730 |
| Loan and lease loss provision to assets | 0.1428% | 5,529 |
| Net operating income to assets | 1.2628% | 1,593 |
| Return on assets (ROA) | 0.3564% | 5,125 |
| Pretax return on assets | 0.3129% | 5,482 |
| Return on Equity (ROE) | 4.2007% | 4,740 |
| Retained earnings to average equity (ytd only) | 1.2548% | 4,469 |
| Net charge-offs to loans | 0.2007% | 4,191 |
| Credit loss provision to net charge-offs | 93.0286% | 5,597 |
| Earnings coverage of net charge-offs (x) | 8.8754% | 2,803 |
| Efficiency ratio | 67.4477% | 4,829 |
| Assets per employee ($millions) | 3.4480% | 4,800 |
| Cash dividends to net income (ytd only)* | 70.1280% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 2,923 |
| Loan loss allowance to noncurrent loans | 205.5745% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.6248% | 5,328 |
| Noncurrent loans to loans | 0.7056% | 5,269 |
| Net loans and leases to total assets | 78.3259% | 2,041 |
| Net loans and leases to deposits | 89.7900% | 3,488 |
| Net loans and leases to core deposits | 109.1364% | 3,852 |
| Total domestic deposits to total assets | 87.2323% | 1,821 |
| Equity capital to assets | 8.5268% | 6,040 |
| Core capital (leverage) ratio | 7.8166% | 6,778 |
| Tier 1 risk-based capital ratio | 9.5408% | 7,262 |
| Total risk-based capital ratio | 11.2231% | 6,648 |
| Memoranda: | ||
| Average total assets | $570,163,800 | 1,181 |
| Average earning assets | $525,803,600 | 1,173 |
| Average equity | $48,373,200 | 1,419 |
| Average total loans | $435,936,200 | 1,099 |