Home > Community Bank > Performance and Condition Ratios
Community Bank, 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 | 4.6925% | 2,696 |
| Cost of funding earning assets | 1.2874% | 2,558 |
| Net interest margin | 3.4051% | 2,398 |
| Noninterest income to average assets | 2.4200% | 223 |
| Noninterest expense to average assets | 2.7362% | 1,652 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 2.1861% | 347 |
| Return on assets (ROA) | 1.6269% | 799 |
| Pretax return on assets | 2.1753% | 509 |
| Return on Equity (ROE) | 19.7100% | 637 |
| Retained earnings to average equity (ytd only) | 15.3615% | 307 |
| Net charge-offs to loans | -0.0511% | 4,374 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 46.7777% | 4,159 |
| Assets per employee ($millions) | 7.8183% | 1,528 |
| Cash dividends to net income (ytd only)* | 22.0725% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8742% | 3,797 |
| Loan loss allowance to noncurrent loans | 433.1548% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.1652% | 2,436 |
| Noncurrent loans to loans | 0.2018% | 2,504 |
| Net loans and leases to total assets | 75.6900% | 1,155 |
| Net loans and leases to deposits | 85.9060% | 1,621 |
| Net loans and leases to core deposits | 90.9323% | 1,987 |
| Total domestic deposits to total assets | 88.1100% | 1,309 |
| Equity capital to assets | 9.4457% | 2,392 |
| Core capital (leverage) ratio | 10.1910% | 2,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6117% | 1,651 |
| Memoranda: | ||
| Average total assets | $1,423,551,600 | 743 |
| Average earning assets | $1,324,336,000 | 731 |
| Average equity | $117,488,200 | 843 |
| Average total loans | $1,087,160,400 | 686 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5967% | 2,685 |
| Cost of funding earning assets | 1.1614% | 2,560 |
| Net interest margin | 3.4353% | 2,378 |
| Noninterest income to average assets | 0.7500% | 1,046 |
| Noninterest expense to average assets | 2.6508% | 1,798 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.9613% | 2,477 |
| Return on assets (ROA) | 0.9607% | 2,473 |
| Pretax return on assets | 1.2014% | 2,291 |
| Return on Equity (ROE) | 12.0900% | 2,097 |
| Retained earnings to average equity (ytd only) | 7.5505% | 2,124 |
| Net charge-offs to loans | -0.0679% | 4,431 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.0977% | 2,483 |
| Assets per employee ($millions) | 7.2020% | 1,822 |
| Cash dividends to net income (ytd only)* | 37.5417% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9839% | 3,446 |
| Loan loss allowance to noncurrent loans | 330.0274% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.2353% | 2,074 |
| Noncurrent loans to loans | 0.2981% | 2,164 |
| Net loans and leases to total assets | 78.1300% | 865 |
| Net loans and leases to deposits | 87.2855% | 1,450 |
| Net loans and leases to core deposits | 89.7056% | 1,947 |
| Total domestic deposits to total assets | 89.5100% | 1,068 |
| Equity capital to assets | 8.0705% | 3,016 |
| Core capital (leverage) ratio | 9.3690% | 3,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9030% | 1,932 |
| Memoranda: | ||
| Average total assets | $1,415,889,000 | 747 |
| Average earning assets | $1,312,892,250 | 737 |
| Average equity | $112,520,250 | 866 |
| Average total loans | $1,081,351,500 | 686 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4754% | 2,709 |
| Cost of funding earning assets | 0.9791% | 2,671 |
| Net interest margin | 3.4963% | 2,278 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 2.6171% | 1,880 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.0400% | 2,284 |
| Return on assets (ROA) | 1.0400% | 2,283 |
| Pretax return on assets | 1.3149% | 2,040 |
| Return on Equity (ROE) | 13.1500% | 1,868 |
| Retained earnings to average equity (ytd only) | 8.6144% | 1,785 |
| Net charge-offs to loans | -0.1229% | 4,540 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.2317% | 2,687 |
| Assets per employee ($millions) | 6.4137% | 2,368 |
| Cash dividends to net income (ytd only)* | 34.5098% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9686% | 3,538 |
| Loan loss allowance to noncurrent loans | 260.4640% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.2979% | 1,724 |
| Noncurrent loans to loans | 0.3719% | 1,809 |
| Net loans and leases to total assets | 76.2400% | 1,026 |
| Net loans and leases to deposits | 85.3462% | 1,555 |
| Net loans and leases to core deposits | 87.2699% | 1,987 |
| Total domestic deposits to total assets | 89.3400% | 1,123 |
| Equity capital to assets | 8.0101% | 3,212 |
| Core capital (leverage) ratio | 9.2618% | 3,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6407% | 2,041 |
| Memoranda: | ||
| Average total assets | $1,422,120,333 | 733 |
| Average earning assets | $1,314,240,667 | 731 |
| Average equity | $112,440,000 | 861 |
| Average total loans | $1,074,297,333 | 673 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3374% | 2,709 |
| Cost of funding earning assets | 0.7641% | 2,858 |
| Net interest margin | 3.5733% | 2,182 |
| Noninterest income to average assets | 0.8700% | 729 |
| Noninterest expense to average assets | 2.5573% | 2,088 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.2555% | 1,782 |
| Return on assets (ROA) | 1.2586% | 1,749 |
| Pretax return on assets | 1.5999% | 1,460 |
| Return on Equity (ROE) | 16.0200% | 1,350 |
| Retained earnings to average equity (ytd only) | 11.4457% | 1,370 |
| Net charge-offs to loans | -0.2850% | 4,622 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.2343% | 3,172 |
| Assets per employee ($millions) | 7.4043% | 1,679 |
| Cash dividends to net income (ytd only)* | 28.5746% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9581% | 3,685 |
| Loan loss allowance to noncurrent loans | 189.7284% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.3961% | 1,304 |
| Noncurrent loans to loans | 0.5050% | 1,454 |
| Net loans and leases to total assets | 74.2900% | 1,163 |
| Net loans and leases to deposits | 81.8887% | 1,661 |
| Net loans and leases to core deposits | 83.2567% | 2,041 |
| Total domestic deposits to total assets | 90.7200% | 901 |
| Equity capital to assets | 8.0495% | 3,208 |
| Core capital (leverage) ratio | 9.2371% | 3,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6869% | 2,101 |
| Memoranda: | ||
| Average total assets | $1,418,058,500 | 748 |
| Average earning assets | $1,311,838,000 | 742 |
| Average equity | $111,378,000 | 875 |
| Average total loans | $1,060,869,000 | 693 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6949% | 2,539 |
| Cost of funding earning assets | 0.3226% | 2,702 |
| Net interest margin | 3.3723% | 2,338 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.4766% | 2,191 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 0.8348% | 3,207 |
| Return on assets (ROA) | 0.8283% | 3,149 |
| Pretax return on assets | 1.0384% | 2,946 |
| Return on Equity (ROE) | 10.3300% | 2,703 |
| Retained earnings to average equity (ytd only) | 5.9707% | 2,658 |
| Net charge-offs to loans | 0.2467% | 321 |
| Credit loss provision to net charge-offs | 148.5669% | 1,307 |
| Earnings coverage of net charge-offs (x) | 7.3004% | 2,307 |
| Efficiency ratio | 62.0141% | 2,763 |
| Assets per employee ($millions) | 7.2530% | 1,787 |
| Cash dividends to net income (ytd only)* | 42.1942% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 2,290 |
| Loan loss allowance to noncurrent loans | 320.7155% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.2841% | 1,723 |
| Noncurrent loans to loans | 0.3807% | 1,779 |
| Net loans and leases to total assets | 73.7000% | 1,247 |
| Net loans and leases to deposits | 80.8357% | 1,706 |
| Net loans and leases to core deposits | 82.7752% | 1,948 |
| Total domestic deposits to total assets | 91.1800% | 883 |
| Equity capital to assets | 7.6560% | 3,283 |
| Core capital (leverage) ratio | 8.6610% | 3,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5830% | 2,133 |
| Memoranda: | ||
| Average total assets | $1,415,116,200 | 737 |
| Average earning assets | $1,289,305,400 | 734 |
| Average equity | $113,486,600 | 856 |
| Average total loans | $1,032,444,400 | 661 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5013% | 2,613 |
| Cost of funding earning assets | 0.2407% | 2,811 |
| Net interest margin | 3.2606% | 2,425 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.4474% | 2,170 |
| Loan and lease loss provision to assets | 0.3600% | 169 |
| Net operating income to assets | 0.7131% | 3,528 |
| Return on assets (ROA) | 0.7043% | 3,510 |
| Pretax return on assets | 0.8855% | 3,360 |
| Return on Equity (ROE) | 8.6800% | 3,121 |
| Retained earnings to average equity (ytd only) | 4.3633% | 3,332 |
| Net charge-offs to loans | 0.3258% | 199 |
| Credit loss provision to net charge-offs | 150.6369% | 1,124 |
| Earnings coverage of net charge-offs (x) | 5.2994% | 2,147 |
| Efficiency ratio | 62.7514% | 2,722 |
| Assets per employee ($millions) | 7.3787% | 1,690 |
| Cash dividends to net income (ytd only)* | 49.7596% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 2,360 |
| Loan loss allowance to noncurrent loans | 318.9578% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 1,819 |
| Noncurrent loans to loans | 0.3864% | 1,848 |
| Net loans and leases to total assets | 72.3300% | 1,251 |
| Net loans and leases to deposits | 79.8159% | 1,586 |
| Net loans and leases to core deposits | 82.0998% | 1,756 |
| Total domestic deposits to total assets | 90.6300% | 1,394 |
| Equity capital to assets | 7.3242% | 3,317 |
| Core capital (leverage) ratio | 8.5093% | 4,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2676% | 2,366 |
| Memoranda: | ||
| Average total assets | $1,417,122,500 | 746 |
| Average earning assets | $1,287,340,000 | 748 |
| Average equity | $114,926,500 | 860 |
| Average total loans | $1,028,087,250 | 664 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3650% | 2,527 |
| Cost of funding earning assets | 0.1887% | 3,063 |
| Net interest margin | 3.1763% | 2,265 |
| Noninterest income to average assets | 0.7088% | 1,297 |
| Noninterest expense to average assets | 2.4238% | 2,159 |
| Loan and lease loss provision to assets | 0.5349% | 99 |
| Net operating income to assets | 0.4968% | 3,899 |
| Return on assets (ROA) | 0.4880% | 3,873 |
| Pretax return on assets | 0.6129% | 3,789 |
| Return on Equity (ROE) | 5.8277% | 3,620 |
| Retained earnings to average equity (ytd only) | 1.6122% | 3,850 |
| Net charge-offs to loans | 0.4951% | 136 |
| Credit loss provision to net charge-offs | 149.3881% | 1,096 |
| Earnings coverage of net charge-offs (x) | 3.2365% | 2,004 |
| Efficiency ratio | 64.1375% | 2,753 |
| Assets per employee ($millions) | 6.8858% | 2,013 |
| Cash dividends to net income (ytd only)* | 72.3349% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 2,433 |
| Loan loss allowance to noncurrent loans | 329.4737% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.2814% | 1,900 |
| Noncurrent loans to loans | 0.3789% | 2,004 |
| Net loans and leases to total assets | 73.3454% | 967 |
| Net loans and leases to deposits | 82.4892% | 1,211 |
| Net loans and leases to core deposits | 84.9930% | 1,395 |
| Total domestic deposits to total assets | 88.9152% | 2,219 |
| Equity capital to assets | 7.9996% | 3,127 |
| Core capital (leverage) ratio | 8.3293% | 4,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0820% | 2,458 |
| Memoranda: | ||
| Average total assets | $1,414,802,333 | 735 |
| Average earning assets | $1,280,103,333 | 751 |
| Average equity | $118,468,000 | 851 |
| Average total loans | $1,023,135,667 | 661 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2861% | 2,428 |
| Cost of funding earning assets | 0.1758% | 3,146 |
| Net interest margin | 3.1103% | 2,139 |
| Noninterest income to average assets | 0.7454% | 1,184 |
| Noninterest expense to average assets | 2.4324% | 2,067 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8803% | 2,362 |
| Return on assets (ROA) | 0.8701% | 2,403 |
| Pretax return on assets | 1.1050% | 2,124 |
| Return on Equity (ROE) | 10.1714% | 1,899 |
| Retained earnings to average equity (ytd only) | 6.0518% | 2,236 |
| Net charge-offs to loans | -0.0051% | 3,343 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0071% | 2,907 |
| Assets per employee ($millions) | 7.2198% | 1,839 |
| Cash dividends to net income (ytd only)* | 40.5014% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 3,169 |
| Loan loss allowance to noncurrent loans | 218.2794% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 1,633 |
| Noncurrent loans to loans | 0.5205% | 1,726 |
| Net loans and leases to total assets | 70.2314% | 998 |
| Net loans and leases to deposits | 79.6623% | 1,171 |
| Net loans and leases to core deposits | 82.1374% | 1,341 |
| Total domestic deposits to total assets | 88.1614% | 2,453 |
| Equity capital to assets | 8.2424% | 3,372 |
| Core capital (leverage) ratio | 8.1903% | 4,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1978% | 2,530 |
| Memoranda: | ||
| Average total assets | $1,430,179,500 | 726 |
| Average earning assets | $1,289,790,000 | 748 |
| Average equity | $122,343,000 | 844 |
| Average total loans | $1,020,719,000 | 652 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2440% | 3,361 |
| Cost of funding earning assets | 0.2512% | 2,919 |
| Net interest margin | 2.9927% | 3,214 |
| Noninterest income to average assets | 1.1051% | 850 |
| Noninterest expense to average assets | 2.9749% | 1,023 |
| Loan and lease loss provision to assets | -0.0776% | 4,474 |
| Net operating income to assets | 0.7678% | 3,431 |
| Return on assets (ROA) | 0.7785% | 3,468 |
| Pretax return on assets | 0.9898% | 3,288 |
| Return on Equity (ROE) | 8.9785% | 2,919 |
| Retained earnings to average equity (ytd only) | 4.8601% | 2,836 |
| Net charge-offs to loans | 0.0062% | 2,351 |
| Credit loss provision to net charge-offs | -1,757.8125% | 4,031 |
| Earnings coverage of net charge-offs (x) | 203.4688% | 536 |
| Efficiency ratio | 71.2718% | 1,586 |
| Assets per employee ($millions) | 7.1181% | 1,847 |
| Cash dividends to net income (ytd only)* | 45.8695% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 3,199 |
| Loan loss allowance to noncurrent loans | 233.3669% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.3511% | 1,819 |
| Noncurrent loans to loans | 0.4862% | 1,911 |
| Net loans and leases to total assets | 70.8910% | 934 |
| Net loans and leases to deposits | 81.0513% | 1,130 |
| Net loans and leases to core deposits | 83.6955% | 1,348 |
| Total domestic deposits to total assets | 87.4644% | 2,302 |
| Equity capital to assets | 8.8692% | 3,747 |
| Core capital (leverage) ratio | 7.7579% | 4,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1781% | 2,570 |
| Memoranda: | ||
| Average total assets | $1,449,136,000 | 700 |
| Average earning assets | $1,340,549,800 | 698 |
| Average equity | $125,656,400 | 825 |
| Average total loans | $1,029,021,400 | 640 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2073% | 3,591 |
| Cost of funding earning assets | 0.2636% | 2,977 |
| Net interest margin | 2.9438% | 3,452 |
| Noninterest income to average assets | 0.6704% | 1,931 |
| Noninterest expense to average assets | 3.0312% | 914 |
| Loan and lease loss provision to assets | -0.1099% | 4,626 |
| Net operating income to assets | 0.3796% | 4,402 |
| Return on assets (ROA) | 0.3944% | 4,416 |
| Pretax return on assets | 0.5038% | 4,364 |
| Return on Equity (ROE) | 4.5745% | 4,209 |
| Retained earnings to average equity (ytd only) | 0.4292% | 4,503 |
| Net charge-offs to loans | -0.0013% | 3,156 |
| Credit loss provision to net charge-offs | 12,000.0000% | 66 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8399% | 639 |
| Assets per employee ($millions) | 6.3487% | 2,376 |
| Cash dividends to net income (ytd only)* | 90.6177% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 3,270 |
| Loan loss allowance to noncurrent loans | 95.6080% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 0.8248% | 852 |
| Noncurrent loans to loans | 1.1887% | 940 |
| Net loans and leases to total assets | 68.3976% | 1,269 |
| Net loans and leases to deposits | 78.5407% | 1,434 |
| Net loans and leases to core deposits | 81.5667% | 1,605 |
| Total domestic deposits to total assets | 87.0855% | 2,322 |
| Equity capital to assets | 8.3252% | 4,321 |
| Core capital (leverage) ratio | 7.3815% | 4,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7744% | 2,785 |
| Memoranda: | ||
| Average total assets | $1,455,516,750 | 708 |
| Average earning assets | $1,352,742,250 | 700 |
| Average equity | $125,504,750 | 840 |
| Average total loans | $1,031,077,750 | 651 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2170% | 3,639 |
| Cost of funding earning assets | 0.2803% | 2,975 |
| Net interest margin | 2.9367% | 3,486 |
| Noninterest income to average assets | 0.6932% | 1,835 |
| Noninterest expense to average assets | 3.2006% | 719 |
| Loan and lease loss provision to assets | -0.1655% | 4,728 |
| Net operating income to assets | 0.3026% | 4,521 |
| Return on assets (ROA) | 0.3254% | 4,518 |
| Pretax return on assets | 0.4288% | 4,477 |
| Return on Equity (ROE) | 3.7306% | 4,374 |
| Retained earnings to average equity (ytd only) | -0.3938% | 4,553 |
| Net charge-offs to loans | 0.0052% | 1,956 |
| Credit loss provision to net charge-offs | -4,444.4444% | 3,964 |
| Earnings coverage of net charge-offs (x) | 62.8889% | 951 |
| Efficiency ratio | 84.2919% | 533 |
| Assets per employee ($millions) | 5.8389% | 2,776 |
| Cash dividends to net income (ytd only)* | 110.5553% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 3,274 |
| Loan loss allowance to noncurrent loans | 90.8261% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 0.8850% | 878 |
| Noncurrent loans to loans | 1.2475% | 958 |
| Net loans and leases to total assets | 69.0066% | 1,326 |
| Net loans and leases to deposits | 79.0993% | 1,510 |
| Net loans and leases to core deposits | 82.4757% | 1,683 |
| Total domestic deposits to total assets | 87.2405% | 2,200 |
| Equity capital to assets | 8.3949% | 4,287 |
| Core capital (leverage) ratio | 7.2338% | 4,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9227% | 2,742 |
| Memoranda: | ||
| Average total assets | $1,449,723,667 | 710 |
| Average earning assets | $1,353,435,000 | 698 |
| Average equity | $126,466,000 | 827 |
| Average total loans | $1,035,101,667 | 652 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2555% | 3,557 |
| Cost of funding earning assets | 0.3000% | 2,991 |
| Net interest margin | 2.9555% | 3,367 |
| Noninterest income to average assets | 0.7664% | 1,672 |
| Noninterest expense to average assets | 2.6114% | 1,857 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6760% | 3,767 |
| Return on assets (ROA) | 0.7212% | 3,725 |
| Pretax return on assets | 0.9702% | 3,456 |
| Return on Equity (ROE) | 8.1135% | 3,289 |
| Retained earnings to average equity (ytd only) | 4.0521% | 3,483 |
| Net charge-offs to loans | 0.0176% | 1,395 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 71.6739% | 748 |
| Efficiency ratio | 69.9191% | 1,714 |
| Assets per employee ($millions) | 5.7618% | 2,831 |
| Cash dividends to net income (ytd only)* | 50.0576% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 2,806 |
| Loan loss allowance to noncurrent loans | 118.0755% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.7447% | 1,235 |
| Noncurrent loans to loans | 1.0346% | 1,296 |
| Net loans and leases to total assets | 69.7597% | 1,326 |
| Net loans and leases to deposits | 79.8927% | 1,530 |
| Net loans and leases to core deposits | 83.2619% | 1,738 |
| Total domestic deposits to total assets | 87.3167% | 2,174 |
| Equity capital to assets | 8.6690% | 3,982 |
| Core capital (leverage) ratio | 7.8661% | 4,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0965% | 2,636 |
| Memoranda: | ||
| Average total assets | $1,444,720,000 | 705 |
| Average earning assets | $1,348,119,000 | 698 |
| Average equity | $128,427,500 | 809 |
| Average total loans | $1,043,225,000 | 647 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7739% | 3,378 |
| Cost of funding earning assets | 0.4428% | 3,327 |
| Net interest margin | 3.3310% | 2,980 |
| Noninterest income to average assets | 0.6870% | 1,906 |
| Noninterest expense to average assets | 4.1594% | 323 |
| Loan and lease loss provision to assets | 0.2923% | 1,298 |
| Net operating income to assets | -0.8018% | 4,909 |
| Return on assets (ROA) | -0.7644% | 4,908 |
| Pretax return on assets | -0.6697% | 4,897 |
| Return on Equity (ROE) | -7.5593% | 4,923 |
| Retained earnings to average equity (ytd only) | -10.3659% | 4,915 |
| Net charge-offs to loans | 0.1082% | 1,392 |
| Credit loss provision to net charge-offs | 364.9635% | 1,542 |
| Earnings coverage of net charge-offs (x) | -5.1788% | 3,380 |
| Efficiency ratio | 70.4459% | 1,886 |
| Assets per employee ($millions) | 4.9455% | 3,446 |
| Cash dividends to net income (ytd only)* | -37.1284% | 4,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2224% | 2,832 |
| Loan loss allowance to noncurrent loans | 117.2081% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.7851% | 1,302 |
| Noncurrent loans to loans | 1.0429% | 1,362 |
| Net loans and leases to total assets | 72.9617% | 1,163 |
| Net loans and leases to deposits | 84.0364% | 1,453 |
| Net loans and leases to core deposits | 88.1437% | 1,678 |
| Total domestic deposits to total assets | 86.8216% | 2,020 |
| Equity capital to assets | 9.1193% | 3,954 |
| Core capital (leverage) ratio | 7.8149% | 4,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0376% | 2,614 |
| Memoranda: | ||
| Average total assets | $1,368,505,600 | 669 |
| Average earning assets | $1,256,195,400 | 672 |
| Average equity | $138,385,800 | 729 |
| Average total loans | $1,012,988,600 | 632 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8314% | 3,467 |
| Cost of funding earning assets | 0.4772% | 3,380 |
| Net interest margin | 3.3542% | 3,035 |
| Noninterest income to average assets | 0.6665% | 1,920 |
| Noninterest expense to average assets | 4.6321% | 233 |
| Loan and lease loss provision to assets | 0.3930% | 915 |
| Net operating income to assets | -1.3673% | 4,970 |
| Return on assets (ROA) | -1.3169% | 4,968 |
| Pretax return on assets | -1.2402% | 4,955 |
| Return on Equity (ROE) | -12.6977% | 4,979 |
| Retained earnings to average equity (ytd only) | -15.1504% | 4,972 |
| Net charge-offs to loans | 0.0115% | 2,689 |
| Credit loss provision to net charge-offs | 4,597.7011% | 243 |
| Earnings coverage of net charge-offs (x) | -105.0115% | 3,233 |
| Efficiency ratio | 70.6543% | 1,800 |
| Assets per employee ($millions) | 4.9677% | 3,289 |
| Cash dividends to net income (ytd only)* | -19.3166% | 4,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 2,116 |
| Loan loss allowance to noncurrent loans | 114.0068% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.8849% | 1,306 |
| Noncurrent loans to loans | 1.1502% | 1,319 |
| Net loans and leases to total assets | 74.5602% | 1,300 |
| Net loans and leases to deposits | 86.2460% | 1,668 |
| Net loans and leases to core deposits | 90.7832% | 1,902 |
| Total domestic deposits to total assets | 86.4507% | 1,882 |
| Equity capital to assets | 9.1789% | 3,973 |
| Core capital (leverage) ratio | 7.6299% | 4,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8752% | 2,660 |
| Memoranda: | ||
| Average total assets | $1,357,028,000 | 660 |
| Average earning assets | $1,241,181,000 | 663 |
| Average equity | $140,736,000 | 704 |
| Average total loans | $1,005,047,500 | 627 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9239% | 3,553 |
| Cost of funding earning assets | 0.5229% | 3,402 |
| Net interest margin | 3.4010% | 3,102 |
| Noninterest income to average assets | 0.6712% | 1,849 |
| Noninterest expense to average assets | 2.6966% | 2,393 |
| Loan and lease loss provision to assets | 0.4161% | 953 |
| Net operating income to assets | 0.5321% | 3,927 |
| Return on assets (ROA) | 0.5939% | 3,841 |
| Pretax return on assets | 0.7297% | 3,798 |
| Return on Equity (ROE) | 5.5083% | 3,672 |
| Retained earnings to average equity (ytd only) | 3.7232% | 3,055 |
| Net charge-offs to loans | 0.0036% | 2,851 |
| Credit loss provision to net charge-offs | 15,555.5556% | 77 |
| Earnings coverage of net charge-offs (x) | 399.8333% | 254 |
| Efficiency ratio | 67.4007% | 2,319 |
| Assets per employee ($millions) | 5.0628% | 3,099 |
| Cash dividends to net income (ytd only)* | 32.4074% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 2,446 |
| Loan loss allowance to noncurrent loans | 390.7322% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.2478% | 3,326 |
| Noncurrent loans to loans | 0.3106% | 3,270 |
| Net loans and leases to total assets | 73.1472% | 1,536 |
| Net loans and leases to deposits | 85.8848% | 1,779 |
| Net loans and leases to core deposits | 90.5260% | 2,029 |
| Total domestic deposits to total assets | 85.1689% | 2,326 |
| Equity capital to assets | 10.4362% | 2,805 |
| Core capital (leverage) ratio | 7.9038% | 4,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1564% | 2,543 |
| Memoranda: | ||
| Average total assets | $1,345,716,333 | 654 |
| Average earning assets | $1,224,642,667 | 655 |
| Average equity | $145,089,667 | 681 |
| Average total loans | $989,768,333 | 629 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1204% | 3,464 |
| Cost of funding earning assets | 0.6010% | 3,431 |
| Net interest margin | 3.5194% | 2,915 |
| Noninterest income to average assets | 0.7167% | 1,582 |
| Noninterest expense to average assets | 2.7513% | 2,576 |
| Loan and lease loss provision to assets | 0.7605% | 333 |
| Net operating income to assets | 0.3373% | 4,265 |
| Return on assets (ROA) | 0.3413% | 4,291 |
| Pretax return on assets | 0.4095% | 4,275 |
| Return on Equity (ROE) | 3.1125% | 4,189 |
| Retained earnings to average equity (ytd only) | 3.1125% | 3,035 |
| Net charge-offs to loans | 0.0187% | 1,997 |
| Credit loss provision to net charge-offs | 5,555.5556% | 138 |
| Earnings coverage of net charge-offs (x) | 85.1111% | 648 |
| Efficiency ratio | 66.1178% | 2,945 |
| Assets per employee ($millions) | 4.6782% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2642% | 2,314 |
| Loan loss allowance to noncurrent loans | 406.8009% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.2535% | 3,436 |
| Noncurrent loans to loans | 0.3108% | 3,382 |
| Net loans and leases to total assets | 73.4665% | 1,699 |
| Net loans and leases to deposits | 86.6855% | 1,912 |
| Net loans and leases to core deposits | 92.0930% | 2,146 |
| Total domestic deposits to total assets | 84.7506% | 2,509 |
| Equity capital to assets | 11.1568% | 2,718 |
| Core capital (leverage) ratio | 8.2328% | 4,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8543% | 2,771 |
| Memoranda: | ||
| Average total assets | $1,314,849,000 | 638 |
| Average earning assets | $1,195,414,500 | 642 |
| Average equity | $144,192,000 | 678 |
| Average total loans | $963,573,000 | 616 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2991% | 3,543 |
| Cost of funding earning assets | 0.6626% | 3,345 |
| Net interest margin | 3.6365% | 3,009 |
| Noninterest income to average assets | 0.7252% | 1,726 |
| Noninterest expense to average assets | 2.7562% | 2,733 |
| Loan and lease loss provision to assets | 0.0555% | 2,917 |
| Net operating income to assets | 1.0851% | 2,501 |
| Return on assets (ROA) | 1.0836% | 2,603 |
| Pretax return on assets | 1.2130% | 2,792 |
| Return on Equity (ROE) | 10.0964% | 2,258 |
| Retained earnings to average equity (ytd only) | 6.3752% | 1,684 |
| Net charge-offs to loans | 0.0448% | 2,487 |
| Credit loss provision to net charge-offs | 174.2788% | 1,487 |
| Earnings coverage of net charge-offs (x) | 39.8774% | 1,317 |
| Efficiency ratio | 64.4055% | 3,018 |
| Assets per employee ($millions) | 4.9617% | 2,650 |
| Cash dividends to net income (ytd only)* | 36.8570% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 3,296 |
| Loan loss allowance to noncurrent loans | 315.8451% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.2543% | 3,415 |
| Noncurrent loans to loans | 0.3280% | 3,261 |
| Net loans and leases to total assets | 71.4215% | 2,184 |
| Net loans and leases to deposits | 83.8042% | 2,355 |
| Net loans and leases to core deposits | 89.3055% | 2,485 |
| Total domestic deposits to total assets | 85.2242% | 2,409 |
| Equity capital to assets | 10.7775% | 3,206 |
| Core capital (leverage) ratio | 7.8477% | 5,066 |
| Tier 1 risk-based capital ratio | 11.4272% | 4,664 |
| Total risk-based capital ratio | 12.5358% | 4,631 |
| Memoranda: | ||
| Average total assets | $1,305,973,200 | 616 |
| Average earning assets | $1,185,569,800 | 611 |
| Average equity | $140,168,800 | 665 |
| Average total loans | $928,450,000 | 620 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2881% | 3,688 |
| Cost of funding earning assets | 0.6573% | 3,415 |
| Net interest margin | 3.6308% | 3,166 |
| Noninterest income to average assets | 0.7168% | 1,719 |
| Noninterest expense to average assets | 2.7368% | 2,761 |
| Loan and lease loss provision to assets | 0.0563% | 2,779 |
| Net operating income to assets | 0.9803% | 3,051 |
| Return on assets (ROA) | 0.9792% | 3,133 |
| Pretax return on assets | 1.2176% | 2,927 |
| Return on Equity (ROE) | 9.1331% | 2,834 |
| Retained earnings to average equity (ytd only) | 5.3981% | 2,677 |
| Net charge-offs to loans | 0.0517% | 2,090 |
| Credit loss provision to net charge-offs | 153.6313% | 1,600 |
| Earnings coverage of net charge-offs (x) | 34.7990% | 1,484 |
| Efficiency ratio | 64.1425% | 2,985 |
| Assets per employee ($millions) | 4.9119% | 2,649 |
| Cash dividends to net income (ytd only)* | 40.8948% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 3,313 |
| Loan loss allowance to noncurrent loans | 164.8630% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.4621% | 2,679 |
| Noncurrent loans to loans | 0.6344% | 2,384 |
| Net loans and leases to total assets | 69.5546% | 2,540 |
| Net loans and leases to deposits | 81.8202% | 2,709 |
| Net loans and leases to core deposits | 87.0152% | 2,816 |
| Total domestic deposits to total assets | 85.0091% | 2,421 |
| Equity capital to assets | 10.8847% | 3,214 |
| Core capital (leverage) ratio | 8.0859% | 5,099 |
| Tier 1 risk-based capital ratio | 11.9664% | 4,430 |
| Total risk-based capital ratio | 13.0944% | 4,376 |
| Memoranda: | ||
| Average total assets | $1,302,513,750 | 617 |
| Average earning assets | $1,182,156,250 | 614 |
| Average equity | $139,650,500 | 661 |
| Average total loans | $922,438,500 | 623 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2387% | 3,824 |
| Cost of funding earning assets | 0.6503% | 3,409 |
| Net interest margin | 3.5883% | 3,298 |
| Noninterest income to average assets | 0.7367% | 1,576 |
| Noninterest expense to average assets | 2.8175% | 2,527 |
| Loan and lease loss provision to assets | 0.0579% | 2,668 |
| Net operating income to assets | 0.8990% | 3,288 |
| Return on assets (ROA) | 0.8957% | 3,368 |
| Pretax return on assets | 1.1185% | 3,179 |
| Return on Equity (ROE) | 8.3979% | 3,116 |
| Retained earnings to average equity (ytd only) | 4.6204% | 2,966 |
| Net charge-offs to loans | 0.0527% | 1,889 |
| Credit loss provision to net charge-offs | 154.9587% | 1,451 |
| Earnings coverage of net charge-offs (x) | 31.5785% | 1,425 |
| Efficiency ratio | 66.3601% | 2,770 |
| Assets per employee ($millions) | 4.8456% | 2,673 |
| Cash dividends to net income (ytd only)* | 44.9810% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 3,414 |
| Loan loss allowance to noncurrent loans | 121.6393% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.6367% | 2,135 |
| Noncurrent loans to loans | 0.8513% | 1,899 |
| Net loans and leases to total assets | 71.0560% | 2,369 |
| Net loans and leases to deposits | 83.5505% | 2,538 |
| Net loans and leases to core deposits | 89.2140% | 2,668 |
| Total domestic deposits to total assets | 85.0456% | 2,454 |
| Equity capital to assets | 10.8801% | 3,195 |
| Core capital (leverage) ratio | 7.9331% | 5,180 |
| Tier 1 risk-based capital ratio | 11.4704% | 4,698 |
| Total risk-based capital ratio | 12.5768% | 4,669 |
| Memoranda: | ||
| Average total assets | $1,294,611,000 | 621 |
| Average earning assets | $1,176,642,000 | 619 |
| Average equity | $138,082,330 | 665 |
| Average total loans | $919,185,330 | 623 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1973% | 3,878 |
| Cost of funding earning assets | 0.6364% | 3,375 |
| Net interest margin | 3.5609% | 3,399 |
| Noninterest income to average assets | 0.7537% | 1,419 |
| Noninterest expense to average assets | 2.8377% | 2,452 |
| Loan and lease loss provision to assets | 0.0078% | 3,336 |
| Net operating income to assets | 0.9134% | 3,182 |
| Return on assets (ROA) | 0.9013% | 3,281 |
| Pretax return on assets | 1.1233% | 3,080 |
| Return on Equity (ROE) | 8.5366% | 3,024 |
| Retained earnings to average equity (ytd only) | 4.7073% | 3,036 |
| Net charge-offs to loans | 0.0751% | 1,316 |
| Credit loss provision to net charge-offs | 14.6199% | 2,167 |
| Earnings coverage of net charge-offs (x) | 21.6199% | 1,527 |
| Efficiency ratio | 67.0895% | 2,784 |
| Assets per employee ($millions) | 4.8728% | 2,674 |
| Cash dividends to net income (ytd only)* | 44.8572% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 3,494 |
| Loan loss allowance to noncurrent loans | 251.6578% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.3008% | 3,405 |
| Noncurrent loans to loans | 0.4115% | 3,112 |
| Net loans and leases to total assets | 69.1278% | 2,606 |
| Net loans and leases to deposits | 81.2479% | 2,697 |
| Net loans and leases to core deposits | 86.5052% | 2,828 |
| Total domestic deposits to total assets | 85.0826% | 2,653 |
| Equity capital to assets | 10.6228% | 3,235 |
| Core capital (leverage) ratio | 7.9270% | 5,224 |
| Tier 1 risk-based capital ratio | 11.7241% | 4,608 |
| Total risk-based capital ratio | 12.8448% | 4,576 |
| Memoranda: | ||
| Average total assets | $1,290,179,000 | 622 |
| Average earning assets | $1,170,370,500 | 628 |
| Average equity | $136,213,500 | 670 |
| Average total loans | $910,834,000 | 634 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2138% | 3,399 |
| Cost of funding earning assets | 0.5753% | 2,884 |
| Net interest margin | 3.6385% | 3,258 |
| Noninterest income to average assets | 0.7509% | 1,640 |
| Noninterest expense to average assets | 3.0157% | 2,010 |
| Loan and lease loss provision to assets | 0.2231% | 802 |
| Net operating income to assets | 0.6898% | 4,167 |
| Return on assets (ROA) | 0.6887% | 4,174 |
| Pretax return on assets | 0.8353% | 4,081 |
| Return on Equity (ROE) | 6.7878% | 3,899 |
| Retained earnings to average equity (ytd only) | 2.8457% | 3,978 |
| Net charge-offs to loans | 0.2083% | 917 |
| Credit loss provision to net charge-offs | 143.2218% | 1,898 |
| Earnings coverage of net charge-offs (x) | 6.8026% | 3,051 |
| Efficiency ratio | 70.6248% | 2,090 |
| Assets per employee ($millions) | 4.7558% | 2,804 |
| Cash dividends to net income (ytd only)* | 58.0757% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0470% | 3,404 |
| Loan loss allowance to noncurrent loans | 264.9848% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 3,135 |
| Noncurrent loans to loans | 0.3951% | 3,116 |
| Net loans and leases to total assets | 70.6093% | 2,484 |
| Net loans and leases to deposits | 83.0293% | 2,621 |
| Net loans and leases to core deposits | 88.3673% | 2,725 |
| Total domestic deposits to total assets | 85.0414% | 2,633 |
| Equity capital to assets | 10.4916% | 3,202 |
| Core capital (leverage) ratio | 7.8547% | 5,273 |
| Tier 1 risk-based capital ratio | 11.5167% | 4,718 |
| Total risk-based capital ratio | 12.6456% | 4,680 |
| Memoranda: | ||
| Average total assets | $1,131,782,600 | 679 |
| Average earning assets | $1,034,069,600 | 682 |
| Average equity | $114,839,200 | 742 |
| Average total loans | $846,238,600 | 660 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1286% | 3,540 |
| Cost of funding earning assets | 0.5585% | 2,799 |
| Net interest margin | 3.5701% | 3,458 |
| Noninterest income to average assets | 0.7711% | 1,575 |
| Noninterest expense to average assets | 3.0150% | 1,976 |
| Loan and lease loss provision to assets | 0.2588% | 600 |
| Net operating income to assets | 0.6442% | 4,381 |
| Return on assets (ROA) | 0.6419% | 4,399 |
| Pretax return on assets | 0.7718% | 4,367 |
| Return on Equity (ROE) | 6.3893% | 4,146 |
| Retained earnings to average equity (ytd only) | 2.4098% | 4,434 |
| Net charge-offs to loans | 0.2629% | 633 |
| Credit loss provision to net charge-offs | 129.8900% | 1,895 |
| Earnings coverage of net charge-offs (x) | 5.1870% | 2,980 |
| Efficiency ratio | 71.4122% | 1,976 |
| Assets per employee ($millions) | 4.4931% | 3,140 |
| Cash dividends to net income (ytd only)* | 62.2842% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 3,581 |
| Loan loss allowance to noncurrent loans | 227.1282% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.3993% | 3,087 |
| Noncurrent loans to loans | 0.4536% | 3,025 |
| Net loans and leases to total assets | 71.1462% | 2,470 |
| Net loans and leases to deposits | 83.8077% | 2,623 |
| Net loans and leases to core deposits | 88.4316% | 2,803 |
| Total domestic deposits to total assets | 84.8923% | 2,642 |
| Equity capital to assets | 10.3885% | 3,249 |
| Core capital (leverage) ratio | 7.9259% | 5,333 |
| Tier 1 risk-based capital ratio | 11.3428% | 4,875 |
| Total risk-based capital ratio | 12.4507% | 4,845 |
| Memoranda: | ||
| Average total assets | $1,094,900,000 | 701 |
| Average earning assets | $1,005,101,750 | 698 |
| Average equity | $109,994,000 | 774 |
| Average total loans | $829,580,250 | 668 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0420% | 3,645 |
| Cost of funding earning assets | 0.5460% | 2,641 |
| Net interest margin | 3.4960% | 3,640 |
| Noninterest income to average assets | 0.8186% | 1,416 |
| Noninterest expense to average assets | 2.9633% | 2,159 |
| Loan and lease loss provision to assets | 0.4031% | 300 |
| Net operating income to assets | 0.5681% | 4,595 |
| Return on assets (ROA) | 0.5654% | 4,601 |
| Pretax return on assets | 0.6656% | 4,599 |
| Return on Equity (ROE) | 5.7065% | 4,343 |
| Retained earnings to average equity (ytd only) | 1.6542% | 4,582 |
| Net charge-offs to loans | 0.3785% | 416 |
| Credit loss provision to net charge-offs | 137.7049% | 1,660 |
| Earnings coverage of net charge-offs (x) | 3.6616% | 2,857 |
| Efficiency ratio | 70.8985% | 2,178 |
| Assets per employee ($millions) | 4.6768% | 2,845 |
| Cash dividends to net income (ytd only)* | 71.0115% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 3,529 |
| Loan loss allowance to noncurrent loans | 223.0659% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.4124% | 3,078 |
| Noncurrent loans to loans | 0.4711% | 3,022 |
| Net loans and leases to total assets | 71.7327% | 2,319 |
| Net loans and leases to deposits | 86.0088% | 2,308 |
| Net loans and leases to core deposits | 91.2212% | 2,467 |
| Total domestic deposits to total assets | 83.4015% | 3,281 |
| Equity capital to assets | 10.5830% | 3,042 |
| Core capital (leverage) ratio | 9.2270% | 4,440 |
| Tier 1 risk-based capital ratio | 12.0255% | 4,478 |
| Total risk-based capital ratio | 13.1301% | 4,451 |
| Memoranda: | ||
| Average total assets | $1,042,012,330 | 737 |
| Average earning assets | $958,686,670 | 735 |
| Average equity | $103,250,000 | 828 |
| Average total loans | $805,724,330 | 688 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9444% | 3,804 |
| Cost of funding earning assets | 0.4985% | 2,806 |
| Net interest margin | 3.4459% | 3,721 |
| Noninterest income to average assets | 0.9051% | 1,141 |
| Noninterest expense to average assets | 2.8168% | 2,643 |
| Loan and lease loss provision to assets | 0.6329% | 157 |
| Net operating income to assets | 0.5870% | 4,462 |
| Return on assets (ROA) | 0.5840% | 4,478 |
| Pretax return on assets | 0.6574% | 4,551 |
| Return on Equity (ROE) | 6.1656% | 4,102 |
| Retained earnings to average equity (ytd only) | 2.1517% | 4,304 |
| Net charge-offs to loans | 0.7347% | 202 |
| Credit loss provision to net charge-offs | 107.0664% | 1,479 |
| Earnings coverage of net charge-offs (x) | 2.1884% | 2,484 |
| Efficiency ratio | 67.1525% | 2,980 |
| Assets per employee ($millions) | 4.4607% | 3,221 |
| Cash dividends to net income (ytd only)* | 65.1012% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1388% | 3,155 |
| Loan loss allowance to noncurrent loans | 328.5925% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.2990% | 3,653 |
| Noncurrent loans to loans | 0.3466% | 3,523 |
| Net loans and leases to total assets | 80.1446% | 915 |
| Net loans and leases to deposits | 102.2986% | 564 |
| Net loans and leases to core deposits | 110.5623% | 965 |
| Total domestic deposits to total assets | 78.3438% | 4,676 |
| Equity capital to assets | 9.2697% | 4,299 |
| Core capital (leverage) ratio | 9.0126% | 4,668 |
| Tier 1 risk-based capital ratio | 11.7073% | 4,735 |
| Total risk-based capital ratio | 12.9468% | 4,631 |
| Memoranda: | ||
| Average total assets | $948,013,500 | 810 |
| Average earning assets | $881,847,500 | 799 |
| Average equity | $89,789,000 | 937 |
| Average total loans | $762,741,500 | 726 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9458% | 3,585 |
| Cost of funding earning assets | 0.4112% | 3,147 |
| Net interest margin | 3.5346% | 3,406 |
| Noninterest income to average assets | 0.9114% | 1,234 |
| Noninterest expense to average assets | 2.8577% | 2,584 |
| Loan and lease loss provision to assets | 0.2114% | 939 |
| Net operating income to assets | 0.8062% | 3,128 |
| Return on assets (ROA) | 0.8055% | 3,174 |
| Pretax return on assets | 1.1224% | 3,099 |
| Return on Equity (ROE) | 8.0038% | 2,792 |
| Retained earnings to average equity (ytd only) | 3.4570% | 3,209 |
| Net charge-offs to loans | 0.1257% | 1,792 |
| Credit loss provision to net charge-offs | 213.2269% | 1,283 |
| Earnings coverage of net charge-offs (x) | 13.4595% | 2,392 |
| Efficiency ratio | 66.6963% | 3,135 |
| Assets per employee ($millions) | 4.6394% | 2,964 |
| Cash dividends to net income (ytd only)* | 56.8080% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 2,889 |
| Loan loss allowance to noncurrent loans | 215.1663% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.4733% | 2,984 |
| Noncurrent loans to loans | 0.5492% | 2,852 |
| Net loans and leases to total assets | 78.8823% | 1,142 |
| Net loans and leases to deposits | 95.1047% | 1,168 |
| Net loans and leases to core deposits | 102.6198% | 1,515 |
| Total domestic deposits to total assets | 82.9425% | 3,585 |
| Equity capital to assets | 9.6795% | 4,058 |
| Core capital (leverage) ratio | 9.2730% | 4,324 |
| Tier 1 risk-based capital ratio | 12.2176% | 4,388 |
| Total risk-based capital ratio | 13.4680% | 4,279 |
| Memoranda: | ||
| Average total assets | $884,378,400 | 847 |
| Average earning assets | $820,949,200 | 838 |
| Average equity | $89,007,800 | 908 |
| Average total loans | $697,418,200 | 749 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9443% | 3,538 |
| Cost of funding earning assets | 0.4073% | 3,113 |
| Net interest margin | 3.5369% | 3,363 |
| Noninterest income to average assets | 0.9375% | 1,171 |
| Noninterest expense to average assets | 2.8772% | 2,486 |
| Loan and lease loss provision to assets | 0.1559% | 1,323 |
| Net operating income to assets | 0.8340% | 3,365 |
| Return on assets (ROA) | 0.8348% | 3,400 |
| Pretax return on assets | 1.1850% | 2,963 |
| Return on Equity (ROE) | 8.2108% | 3,019 |
| Retained earnings to average equity (ytd only) | 4.1550% | 3,434 |
| Net charge-offs to loans | 0.1297% | 1,491 |
| Credit loss provision to net charge-offs | 152.9235% | 1,667 |
| Earnings coverage of net charge-offs (x) | 13.1409% | 2,371 |
| Efficiency ratio | 66.7452% | 3,091 |
| Assets per employee ($millions) | 4.5330% | 3,086 |
| Cash dividends to net income (ytd only)* | 49.3958% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 3,153 |
| Loan loss allowance to noncurrent loans | 204.7703% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.4846% | 3,117 |
| Noncurrent loans to loans | 0.5659% | 3,001 |
| Net loans and leases to total assets | 76.7387% | 1,463 |
| Net loans and leases to deposits | 91.2430% | 1,657 |
| Net loans and leases to core deposits | 97.6981% | 1,907 |
| Total domestic deposits to total assets | 84.1036% | 3,080 |
| Equity capital to assets | 9.9701% | 3,943 |
| Core capital (leverage) ratio | 9.4836% | 4,189 |
| Tier 1 risk-based capital ratio | 13.1770% | 3,892 |
| Total risk-based capital ratio | 14.4280% | 3,802 |
| Memoranda: | ||
| Average total assets | $872,342,000 | 864 |
| Average earning assets | $808,819,000 | 854 |
| Average equity | $88,693,750 | 916 |
| Average total loans | $685,674,750 | 765 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9427% | 3,397 |
| Cost of funding earning assets | 0.4039% | 3,032 |
| Net interest margin | 3.5388% | 3,259 |
| Noninterest income to average assets | 0.9172% | 1,222 |
| Noninterest expense to average assets | 2.9155% | 2,373 |
| Loan and lease loss provision to assets | 0.1673% | 1,182 |
| Net operating income to assets | 0.7920% | 3,430 |
| Return on assets (ROA) | 0.7926% | 3,485 |
| Pretax return on assets | 1.1142% | 3,118 |
| Return on Equity (ROE) | 7.7433% | 3,174 |
| Retained earnings to average equity (ytd only) | 3.6628% | 3,523 |
| Net charge-offs to loans | 0.1295% | 1,387 |
| Credit loss provision to net charge-offs | 163.6364% | 1,440 |
| Earnings coverage of net charge-offs (x) | 12.5273% | 2,185 |
| Efficiency ratio | 67.9714% | 3,021 |
| Assets per employee ($millions) | 4.3536% | 3,339 |
| Cash dividends to net income (ytd only)* | 52.6964% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 3,112 |
| Loan loss allowance to noncurrent loans | 195.1002% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.5197% | 3,033 |
| Noncurrent loans to loans | 0.6072% | 2,906 |
| Net loans and leases to total assets | 77.4381% | 1,326 |
| Net loans and leases to deposits | 92.7234% | 1,398 |
| Net loans and leases to core deposits | 99.0874% | 1,721 |
| Total domestic deposits to total assets | 83.5152% | 3,395 |
| Equity capital to assets | 10.2509% | 3,612 |
| Core capital (leverage) ratio | 9.5764% | 4,046 |
| Tier 1 risk-based capital ratio | 13.4404% | 3,724 |
| Total risk-based capital ratio | 14.6915% | 3,643 |
| Memoranda: | ||
| Average total assets | $860,920,330 | 879 |
| Average earning assets | $797,675,670 | 872 |
| Average equity | $88,128,330 | 925 |
| Average total loans | $679,608,330 | 774 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9252% | 3,305 |
| Cost of funding earning assets | 0.4015% | 2,978 |
| Net interest margin | 3.5237% | 3,184 |
| Noninterest income to average assets | 0.9546% | 1,092 |
| Noninterest expense to average assets | 2.9125% | 2,421 |
| Loan and lease loss provision to assets | 0.1963% | 846 |
| Net operating income to assets | 0.7775% | 3,324 |
| Return on assets (ROA) | 0.7775% | 3,383 |
| Pretax return on assets | 1.1102% | 2,938 |
| Return on Equity (ROE) | 7.6013% | 3,117 |
| Retained earnings to average equity (ytd only) | 3.4946% | 3,689 |
| Net charge-offs to loans | 0.2583% | 702 |
| Credit loss provision to net charge-offs | 95.8904% | 1,644 |
| Earnings coverage of net charge-offs (x) | 6.3836% | 2,220 |
| Efficiency ratio | 67.5269% | 3,274 |
| Assets per employee ($millions) | 4.3576% | 3,406 |
| Cash dividends to net income (ytd only)* | 54.0264% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 3,392 |
| Loan loss allowance to noncurrent loans | 194.6737% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.4991% | 3,224 |
| Noncurrent loans to loans | 0.5928% | 3,037 |
| Net loans and leases to total assets | 76.8939% | 1,276 |
| Net loans and leases to deposits | 91.8990% | 1,343 |
| Net loans and leases to core deposits | 98.9171% | 1,584 |
| Total domestic deposits to total assets | 83.6722% | 3,592 |
| Equity capital to assets | 10.1516% | 3,570 |
| Core capital (leverage) ratio | 9.7044% | 3,872 |
| Tier 1 risk-based capital ratio | 13.4800% | 3,791 |
| Total risk-based capital ratio | 14.7306% | 3,700 |
| Memoranda: | ||
| Average total assets | $856,025,000 | 885 |
| Average earning assets | $793,025,000 | 884 |
| Average equity | $87,564,500 | 931 |
| Average total loans | $678,240,000 | 771 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1242% | 2,757 |
| Cost of funding earning assets | 0.3700% | 3,315 |
| Net interest margin | 3.7542% | 2,486 |
| Noninterest income to average assets | 0.9380% | 1,300 |
| Noninterest expense to average assets | 2.9282% | 2,569 |
| Loan and lease loss provision to assets | 0.2448% | 863 |
| Net operating income to assets | 0.8929% | 2,867 |
| Return on assets (ROA) | 0.8929% | 2,981 |
| Pretax return on assets | 1.2590% | 2,440 |
| Return on Equity (ROE) | 8.5638% | 2,634 |
| Retained earnings to average equity (ytd only) | 4.0857% | 3,010 |
| Net charge-offs to loans | 0.1067% | 2,205 |
| Credit loss provision to net charge-offs | 280.6052% | 1,041 |
| Earnings coverage of net charge-offs (x) | 17.2380% | 2,062 |
| Efficiency ratio | 64.5882% | 3,835 |
| Assets per employee ($millions) | 4.2244% | 3,577 |
| Cash dividends to net income (ytd only)* | 52.2914% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 3,467 |
| Loan loss allowance to noncurrent loans | 163.8253% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.5843% | 2,983 |
| Noncurrent loans to loans | 0.6985% | 2,799 |
| Net loans and leases to total assets | 79.7854% | 924 |
| Net loans and leases to deposits | 96.5287% | 949 |
| Net loans and leases to core deposits | 104.4454% | 1,247 |
| Total domestic deposits to total assets | 82.6545% | 3,875 |
| Equity capital to assets | 10.3089% | 3,374 |
| Core capital (leverage) ratio | 9.8047% | 3,741 |
| Tier 1 risk-based capital ratio | 13.3768% | 3,845 |
| Total risk-based capital ratio | 14.6274% | 3,749 |
| Memoranda: | ||
| Average total assets | $833,341,200 | 869 |
| Average earning assets | $775,589,800 | 870 |
| Average equity | $86,888,800 | 917 |
| Average total loans | $681,525,200 | 733 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0952% | 2,896 |
| Cost of funding earning assets | 0.3646% | 3,390 |
| Net interest margin | 3.7307% | 2,590 |
| Noninterest income to average assets | 0.9925% | 1,160 |
| Noninterest expense to average assets | 2.9691% | 2,401 |
| Loan and lease loss provision to assets | 0.2569% | 726 |
| Net operating income to assets | 0.8808% | 3,007 |
| Return on assets (ROA) | 0.8808% | 3,127 |
| Pretax return on assets | 1.2382% | 2,665 |
| Return on Equity (ROE) | 8.4233% | 2,800 |
| Retained earnings to average equity (ytd only) | 3.8278% | 3,584 |
| Net charge-offs to loans | 0.1221% | 1,735 |
| Credit loss provision to net charge-offs | 256.4103% | 1,178 |
| Earnings coverage of net charge-offs (x) | 14.9231% | 2,213 |
| Efficiency ratio | 65.0351% | 3,757 |
| Assets per employee ($millions) | 4.1416% | 3,708 |
| Cash dividends to net income (ytd only)* | 54.5571% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 3,843 |
| Loan loss allowance to noncurrent loans | 212.9492% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.4798% | 3,517 |
| Noncurrent loans to loans | 0.5160% | 3,452 |
| Net loans and leases to total assets | 80.7150% | 797 |
| Net loans and leases to deposits | 99.0365% | 770 |
| Net loans and leases to core deposits | 105.9832% | 1,183 |
| Total domestic deposits to total assets | 81.5002% | 4,103 |
| Equity capital to assets | 10.5553% | 3,506 |
| Core capital (leverage) ratio | 9.8652% | 3,735 |
| Tier 1 risk-based capital ratio | 13.2643% | 3,999 |
| Total risk-based capital ratio | 14.4923% | 3,921 |
| Memoranda: | ||
| Average total assets | $830,455,500 | 870 |
| Average earning assets | $772,784,750 | 867 |
| Average equity | $86,836,500 | 919 |
| Average total loans | $681,432,250 | 732 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1507% | 2,671 |
| Cost of funding earning assets | 0.3631% | 3,422 |
| Net interest margin | 3.7876% | 2,377 |
| Noninterest income to average assets | 1.0497% | 1,013 |
| Noninterest expense to average assets | 2.9646% | 2,468 |
| Loan and lease loss provision to assets | 0.2772% | 667 |
| Net operating income to assets | 0.9477% | 2,633 |
| Return on assets (ROA) | 0.9477% | 2,775 |
| Pretax return on assets | 1.3399% | 2,248 |
| Return on Equity (ROE) | 9.0922% | 2,460 |
| Retained earnings to average equity (ytd only) | 4.2455% | 3,210 |
| Net charge-offs to loans | 0.1319% | 1,537 |
| Credit loss provision to net charge-offs | 255.5556% | 1,078 |
| Earnings coverage of net charge-offs (x) | 14.9089% | 2,029 |
| Efficiency ratio | 63.2700% | 4,143 |
| Assets per employee ($millions) | 4.0739% | 3,777 |
| Cash dividends to net income (ytd only)* | 53.3062% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 4,176 |
| Loan loss allowance to noncurrent loans | 237.9219% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.3959% | 3,910 |
| Noncurrent loans to loans | 0.4451% | 3,773 |
| Net loans and leases to total assets | 81.2306% | 720 |
| Net loans and leases to deposits | 99.4674% | 737 |
| Net loans and leases to core deposits | 106.0424% | 1,179 |
| Total domestic deposits to total assets | 81.6655% | 4,100 |
| Equity capital to assets | 10.5753% | 3,555 |
| Core capital (leverage) ratio | 9.7033% | 3,925 |
| Tier 1 risk-based capital ratio | 13.0899% | 4,150 |
| Total risk-based capital ratio | 14.2683% | 4,104 |
| Memoranda: | ||
| Average total assets | $829,784,000 | 875 |
| Average earning assets | $773,795,330 | 867 |
| Average equity | $86,492,000 | 916 |
| Average total loans | $682,111,670 | 733 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1904% | 2,509 |
| Cost of funding earning assets | 0.3630% | 3,469 |
| Net interest margin | 3.8274% | 2,195 |
| Noninterest income to average assets | 1.2070% | 749 |
| Noninterest expense to average assets | 2.9712% | 2,477 |
| Loan and lease loss provision to assets | 0.4091% | 335 |
| Net operating income to assets | 0.9813% | 2,363 |
| Return on assets (ROA) | 0.9813% | 2,479 |
| Pretax return on assets | 1.3937% | 1,922 |
| Return on Equity (ROE) | 9.4828% | 2,206 |
| Retained earnings to average equity (ytd only) | 5.3065% | 2,763 |
| Net charge-offs to loans | 0.2147% | 942 |
| Credit loss provision to net charge-offs | 231.6076% | 989 |
| Earnings coverage of net charge-offs (x) | 10.2071% | 1,938 |
| Efficiency ratio | 60.8569% | 4,622 |
| Assets per employee ($millions) | 4.2038% | 3,584 |
| Cash dividends to net income (ytd only)* | 44.0412% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 4,493 |
| Loan loss allowance to noncurrent loans | 231.1236% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.5620% | 3,384 |
| Noncurrent loans to loans | 0.4411% | 3,861 |
| Net loans and leases to total assets | 81.3391% | 645 |
| Net loans and leases to deposits | 98.1113% | 750 |
| Net loans and leases to core deposits | 104.4931% | 1,162 |
| Total domestic deposits to total assets | 82.9049% | 3,932 |
| Equity capital to assets | 10.4180% | 3,591 |
| Core capital (leverage) ratio | 9.5631% | 4,089 |
| Tier 1 risk-based capital ratio | 12.9207% | 4,314 |
| Total risk-based capital ratio | 14.0573% | 4,300 |
| Memoranda: | ||
| Average total assets | $831,171,000 | 875 |
| Average earning assets | $774,624,000 | 866 |
| Average equity | $86,008,500 | 923 |
| Average total loans | $683,680,000 | 730 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0828% | 2,986 |
| Cost of funding earning assets | 0.3476% | 3,726 |
| Net interest margin | 3.7352% | 2,622 |
| Noninterest income to average assets | 0.9516% | 1,316 |
| Noninterest expense to average assets | 2.7834% | 3,308 |
| Loan and lease loss provision to assets | 0.2395% | 801 |
| Net operating income to assets | 1.0029% | 2,347 |
| Return on assets (ROA) | 1.0029% | 2,442 |
| Pretax return on assets | 1.4137% | 1,841 |
| Return on Equity (ROE) | 10.0989% | 1,973 |
| Retained earnings to average equity (ytd only) | 5.9359% | 1,828 |
| Net charge-offs to loans | 0.1047% | 2,352 |
| Credit loss provision to net charge-offs | 282.3944% | 1,034 |
| Earnings coverage of net charge-offs (x) | 19.4944% | 1,944 |
| Efficiency ratio | 61.2643% | 4,722 |
| Assets per employee ($millions) | 4.1918% | 3,581 |
| Cash dividends to net income (ytd only)* | 41.2220% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9497% | 4,875 |
| Loan loss allowance to noncurrent loans | 91.4987% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 0.8922% | 2,437 |
| Noncurrent loans to loans | 1.0380% | 2,259 |
| Net loans and leases to total assets | 81.5515% | 635 |
| Net loans and leases to deposits | 99.6247% | 701 |
| Net loans and leases to core deposits | 107.2725% | 1,025 |
| Total domestic deposits to total assets | 81.8588% | 4,201 |
| Equity capital to assets | 10.2776% | 3,649 |
| Core capital (leverage) ratio | 9.6044% | 4,040 |
| Tier 1 risk-based capital ratio | 12.8335% | 4,431 |
| Total risk-based capital ratio | 13.8918% | 4,441 |
| Memoranda: | ||
| Average total assets | $837,213,600 | 830 |
| Average earning assets | $781,133,000 | 812 |
| Average equity | $83,137,600 | 917 |
| Average total loans | $678,089,600 | 694 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0944% | 2,967 |
| Cost of funding earning assets | 0.3488% | 3,767 |
| Net interest margin | 3.7456% | 2,579 |
| Noninterest income to average assets | 0.9365% | 1,351 |
| Noninterest expense to average assets | 2.7808% | 3,271 |
| Loan and lease loss provision to assets | 0.1549% | 1,396 |
| Net operating income to assets | 1.0560% | 2,192 |
| Return on assets (ROA) | 1.0560% | 2,286 |
| Pretax return on assets | 1.4955% | 1,690 |
| Return on Equity (ROE) | 10.7266% | 1,816 |
| Retained earnings to average equity (ytd only) | 6.5861% | 1,898 |
| Net charge-offs to loans | 0.0556% | 2,806 |
| Credit loss provision to net charge-offs | 345.7447% | 853 |
| Earnings coverage of net charge-offs (x) | 36.8298% | 1,320 |
| Efficiency ratio | 61.2838% | 4,678 |
| Assets per employee ($millions) | 4.2230% | 3,474 |
| Cash dividends to net income (ytd only)* | 38.6004% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8826% | 5,271 |
| Loan loss allowance to noncurrent loans | 100.0850% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 0.7539% | 3,017 |
| Noncurrent loans to loans | 0.8819% | 2,776 |
| Net loans and leases to total assets | 80.2956% | 782 |
| Net loans and leases to deposits | 95.8208% | 1,025 |
| Net loans and leases to core deposits | 103.0769% | 1,299 |
| Total domestic deposits to total assets | 83.7977% | 3,508 |
| Equity capital to assets | 10.2860% | 3,830 |
| Core capital (leverage) ratio | 9.4137% | 4,414 |
| Tier 1 risk-based capital ratio | 12.9082% | 4,480 |
| Total risk-based capital ratio | 13.8942% | 4,559 |
| Memoranda: | ||
| Average total assets | $839,021,250 | 833 |
| Average earning assets | $782,828,750 | 814 |
| Average equity | $82,596,500 | 930 |
| Average total loans | $676,773,500 | 692 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0854% | 2,947 |
| Cost of funding earning assets | 0.3524% | 3,777 |
| Net interest margin | 3.7330% | 2,567 |
| Noninterest income to average assets | 0.9379% | 1,337 |
| Noninterest expense to average assets | 2.7666% | 3,360 |
| Loan and lease loss provision to assets | 0.1599% | 1,327 |
| Net operating income to assets | 1.0718% | 2,051 |
| Return on assets (ROA) | 1.0718% | 2,149 |
| Pretax return on assets | 1.4968% | 1,654 |
| Return on Equity (ROE) | 11.0484% | 1,664 |
| Retained earnings to average equity (ytd only) | 6.8723% | 1,755 |
| Net charge-offs to loans | 0.0541% | 2,642 |
| Credit loss provision to net charge-offs | 366.8478% | 799 |
| Earnings coverage of net charge-offs (x) | 38.0054% | 1,170 |
| Efficiency ratio | 61.0840% | 4,819 |
| Assets per employee ($millions) | 4.3321% | 3,244 |
| Cash dividends to net income (ytd only)* | 37.7984% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8574% | 5,444 |
| Loan loss allowance to noncurrent loans | 176.0917% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.4251% | 4,214 |
| Noncurrent loans to loans | 0.4869% | 4,016 |
| Net loans and leases to total assets | 78.6345% | 989 |
| Net loans and leases to deposits | 94.5218% | 1,098 |
| Net loans and leases to core deposits | 100.7935% | 1,421 |
| Total domestic deposits to total assets | 83.1919% | 3,874 |
| Equity capital to assets | 9.9433% | 4,098 |
| Core capital (leverage) ratio | 9.0592% | 4,881 |
| Tier 1 risk-based capital ratio | 12.8394% | 4,600 |
| Total risk-based capital ratio | 13.8028% | 4,690 |
| Memoranda: | ||
| Average total assets | $844,199,000 | 826 |
| Average earning assets | $788,219,000 | 806 |
| Average equity | $81,894,000 | 940 |
| Average total loans | $679,993,670 | 681 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1221% | 2,744 |
| Cost of funding earning assets | 0.3623% | 3,723 |
| Net interest margin | 3.7598% | 2,394 |
| Noninterest income to average assets | 0.8780% | 1,462 |
| Noninterest expense to average assets | 2.7431% | 3,441 |
| Loan and lease loss provision to assets | 0.1415% | 1,448 |
| Net operating income to assets | 1.0794% | 1,936 |
| Return on assets (ROA) | 1.0794% | 2,054 |
| Pretax return on assets | 1.5066% | 1,547 |
| Return on Equity (ROE) | 11.2657% | 1,563 |
| Retained earnings to average equity (ytd only) | 7.0577% | 1,988 |
| Net charge-offs to loans | 0.0099% | 3,007 |
| Credit loss provision to net charge-offs | 1,764.7059% | 223 |
| Earnings coverage of net charge-offs (x) | 205.5882% | 277 |
| Efficiency ratio | 60.9966% | 4,969 |
| Assets per employee ($millions) | 4.5017% | 3,054 |
| Cash dividends to net income (ytd only)* | 37.3526% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7926% | 5,712 |
| Loan loss allowance to noncurrent loans | 182.9659% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.4197% | 4,353 |
| Noncurrent loans to loans | 0.4332% | 4,298 |
| Net loans and leases to total assets | 80.5936% | 621 |
| Net loans and leases to deposits | 96.6390% | 789 |
| Net loans and leases to core deposits | 101.4987% | 1,219 |
| Total domestic deposits to total assets | 83.3966% | 4,047 |
| Equity capital to assets | 9.6563% | 4,571 |
| Core capital (leverage) ratio | 8.8463% | 5,143 |
| Tier 1 risk-based capital ratio | 12.4166% | 4,965 |
| Total risk-based capital ratio | 13.3312% | 5,093 |
| Memoranda: | ||
| Average total assets | $848,247,000 | 825 |
| Average earning assets | $792,604,500 | 803 |
| Average equity | $81,273,000 | 939 |
| Average total loans | $688,415,000 | 676 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6419% | 4,961 |
| Cost of funding earning assets | 0.3430% | 4,328 |
| Net interest margin | 3.2989% | 4,570 |
| Noninterest income to average assets | 0.7648% | 2,015 |
| Noninterest expense to average assets | 2.5892% | 4,257 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9864% | 2,449 |
| Return on assets (ROA) | 0.9895% | 2,511 |
| Pretax return on assets | 1.2858% | 2,291 |
| Return on Equity (ROE) | 11.8176% | 1,460 |
| Retained earnings to average equity (ytd only) | 2.7527% | 4,283 |
| Net charge-offs to loans | 0.0418% | 3,986 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 41.5989% | 1,048 |
| Efficiency ratio | 66.5021% | 4,154 |
| Assets per employee ($millions) | 5.4914% | 1,778 |
| Cash dividends to net income (ytd only)* | 76.7066% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7577% | 5,870 |
| Loan loss allowance to noncurrent loans | 155.7721% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.4272% | 4,396 |
| Noncurrent loans to loans | 0.4864% | 4,206 |
| Net loans and leases to total assets | 80.4625% | 676 |
| Net loans and leases to deposits | 97.5402% | 790 |
| Net loans and leases to core deposits | 101.8790% | 1,255 |
| Total domestic deposits to total assets | 82.4916% | 4,252 |
| Equity capital to assets | 9.5058% | 4,711 |
| Core capital (leverage) ratio | 9.3259% | 4,504 |
| Tier 1 risk-based capital ratio | 11.6256% | 5,593 |
| Total risk-based capital ratio | 12.4973% | 5,723 |
| Memoranda: | ||
| Average total assets | $606,955,400 | 1,095 |
| Average earning assets | $571,465,000 | 1,064 |
| Average equity | $50,822,400 | 1,428 |
| Average total loans | $447,678,400 | 983 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5614% | 5,237 |
| Cost of funding earning assets | 0.3460% | 4,383 |
| Net interest margin | 3.2155% | 4,912 |
| Noninterest income to average assets | 0.5713% | 3,058 |
| Noninterest expense to average assets | 2.5656% | 4,301 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7993% | 3,428 |
| Return on assets (ROA) | 0.7993% | 3,524 |
| Pretax return on assets | 1.0398% | 3,425 |
| Return on Equity (ROE) | 10.0724% | 2,182 |
| Retained earnings to average equity (ytd only) | -2.9748% | 6,140 |
| Net charge-offs to loans | 0.0155% | 4,237 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 94.8420% | 608 |
| Efficiency ratio | 71.1602% | 3,314 |
| Assets per employee ($millions) | 4.3759% | 3,168 |
| Cash dividends to net income (ytd only)* | 129.5337% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3313% | 3,494 |
| Loan loss allowance to noncurrent loans | 259.0777% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.6762% | 3,807 |
| Noncurrent loans to loans | 0.5138% | 4,393 |
| Net loans and leases to total assets | 71.1781% | 1,997 |
| Net loans and leases to deposits | 80.6009% | 2,603 |
| Net loans and leases to core deposits | 83.3964% | 2,953 |
| Total domestic deposits to total assets | 88.3094% | 1,600 |
| Equity capital to assets | 7.8816% | 6,186 |
| Core capital (leverage) ratio | 7.6079% | 6,241 |
| Tier 1 risk-based capital ratio | 11.0202% | 5,982 |
| Total risk-based capital ratio | 12.2723% | 5,933 |
| Memoranda: | ||
| Average total assets | $547,275,500 | 1,229 |
| Average earning assets | $516,406,500 | 1,194 |
| Average equity | $43,431,000 | 1,663 |
| Average total loans | $388,186,500 | 1,139 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5726% | 5,227 |
| Cost of funding earning assets | 0.3554% | 4,373 |
| Net interest margin | 3.2172% | 4,886 |
| Noninterest income to average assets | 0.5573% | 3,067 |
| Noninterest expense to average assets | 2.5192% | 4,515 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8287% | 3,181 |
| Return on assets (ROA) | 0.8287% | 3,278 |
| Pretax return on assets | 1.0774% | 3,192 |
| Return on Equity (ROE) | 10.4185% | 1,970 |
| Retained earnings to average equity (ytd only) | -5.2139% | 6,252 |
| Net charge-offs to loans | 0.0219% | 3,771 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 69.8333% | 733 |
| Efficiency ratio | 70.0439% | 3,650 |
| Assets per employee ($millions) | 4.2339% | 3,403 |
| Cash dividends to net income (ytd only)* | 150.0443% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3786% | 3,458 |
| Loan loss allowance to noncurrent loans | 273.0061% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.6903% | 3,918 |
| Noncurrent loans to loans | 0.5050% | 4,482 |
| Net loans and leases to total assets | 71.0447% | 1,915 |
| Net loans and leases to deposits | 80.4751% | 2,455 |
| Net loans and leases to core deposits | 83.3446% | 2,808 |
| Total domestic deposits to total assets | 88.2816% | 1,748 |
| Equity capital to assets | 8.1140% | 6,086 |
| Core capital (leverage) ratio | 7.5660% | 6,292 |
| Tier 1 risk-based capital ratio | 11.2917% | 5,906 |
| Total risk-based capital ratio | 12.5444% | 5,851 |
| Memoranda: | ||
| Average total assets | $544,454,670 | 1,235 |
| Average earning assets | $514,359,330 | 1,191 |
| Average equity | $43,307,670 | 1,651 |
| Average total loans | $383,948,330 | 1,144 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5279% | 5,356 |
| Cost of funding earning assets | 0.3634% | 4,404 |
| Net interest margin | 3.1645% | 5,033 |
| Noninterest income to average assets | 0.5389% | 3,118 |
| Noninterest expense to average assets | 2.5336% | 4,505 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7842% | 3,231 |
| Return on assets (ROA) | 0.7842% | 3,312 |
| Pretax return on assets | 1.0003% | 3,317 |
| Return on Equity (ROE) | 9.9567% | 2,057 |
| Retained earnings to average equity (ytd only) | -13.4331% | 6,443 |
| Net charge-offs to loans | 0.0105% | 3,413 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 137.0000% | 362 |
| Efficiency ratio | 71.6942% | 3,544 |
| Assets per employee ($millions) | 4.3621% | 3,218 |
| Cash dividends to net income (ytd only)* | 234.9162% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 3,636 |
| Loan loss allowance to noncurrent loans | 154.8127% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.6777% | 4,084 |
| Noncurrent loans to loans | 0.9005% | 3,632 |
| Net loans and leases to total assets | 69.1338% | 2,041 |
| Net loans and leases to deposits | 77.7148% | 2,601 |
| Net loans and leases to core deposits | 80.4025% | 2,923 |
| Total domestic deposits to total assets | 88.9583% | 1,686 |
| Equity capital to assets | 7.7871% | 6,186 |
| Core capital (leverage) ratio | 7.5316% | 6,327 |
| Tier 1 risk-based capital ratio | 11.2000% | 6,074 |
| Total risk-based capital ratio | 12.4530% | 6,019 |
| Memoranda: | ||
| Average total assets | $547,831,000 | 1,233 |
| Average earning assets | $518,501,000 | 1,183 |
| Average equity | $43,147,000 | 1,645 |
| Average total loans | $382,248,000 | 1,150 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5049% | 5,629 |
| Cost of funding earning assets | 0.4382% | 4,238 |
| Net interest margin | 3.0667% | 5,414 |
| Noninterest income to average assets | 0.6097% | 3,026 |
| Noninterest expense to average assets | 2.4815% | 4,827 |
| Loan and lease loss provision to assets | 0.0184% | 4,761 |
| Net operating income to assets | 0.7820% | 3,384 |
| Return on assets (ROA) | 0.7820% | 3,490 |
| Pretax return on assets | 0.9959% | 3,366 |
| Return on Equity (ROE) | 9.8089% | 2,189 |
| Retained earnings to average equity (ytd only) | 5.0178% | 2,577 |
| Net charge-offs to loans | 0.1714% | 3,113 |
| Credit loss provision to net charge-offs | 16.0772% | 4,510 |
| Earnings coverage of net charge-offs (x) | 8.8424% | 2,598 |
| Efficiency ratio | 70.7043% | 3,722 |
| Assets per employee ($millions) | 4.3683% | 3,139 |
| Cash dividends to net income (ytd only)* | 48.8443% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4195% | 3,550 |
| Loan loss allowance to noncurrent loans | 158.9017% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.6771% | 4,216 |
| Noncurrent loans to loans | 0.8933% | 3,756 |
| Net loans and leases to total assets | 68.4506% | 2,273 |
| Net loans and leases to deposits | 77.6573% | 2,770 |
| Net loans and leases to core deposits | 80.4307% | 3,075 |
| Total domestic deposits to total assets | 88.1443% | 2,092 |
| Equity capital to assets | 7.9654% | 6,043 |
| Core capital (leverage) ratio | 7.6990% | 6,304 |
| Tier 1 risk-based capital ratio | 11.7264% | 5,791 |
| Total risk-based capital ratio | 12.9795% | 5,720 |
| Memoranda: | ||
| Average total assets | $542,213,000 | 1,224 |
| Average earning assets | $510,290,200 | 1,191 |
| Average equity | $43,226,000 | 1,620 |
| Average total loans | $362,992,200 | 1,177 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4760% | 5,740 |
| Cost of funding earning assets | 0.4504% | 4,268 |
| Net interest margin | 3.0256% | 5,531 |
| Noninterest income to average assets | 0.5919% | 3,202 |
| Noninterest expense to average assets | 2.4688% | 4,812 |
| Loan and lease loss provision to assets | 0.0246% | 4,517 |
| Net operating income to assets | 0.7461% | 3,621 |
| Return on assets (ROA) | 0.7461% | 3,745 |
| Pretax return on assets | 0.9412% | 3,720 |
| Return on Equity (ROE) | 9.3574% | 2,460 |
| Retained earnings to average equity (ytd only) | 4.5598% | 3,427 |
| Net charge-offs to loans | 0.2348% | 2,396 |
| Credit loss provision to net charge-offs | 15.8228% | 4,133 |
| Earnings coverage of net charge-offs (x) | 6.2041% | 3,017 |
| Efficiency ratio | 71.5556% | 3,495 |
| Assets per employee ($millions) | 4.3588% | 3,123 |
| Cash dividends to net income (ytd only)* | 51.2709% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 3,818 |
| Loan loss allowance to noncurrent loans | 143.6364% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.8042% | 4,096 |
| Noncurrent loans to loans | 0.9875% | 3,837 |
| Net loans and leases to total assets | 67.9806% | 2,300 |
| Net loans and leases to deposits | 78.1150% | 2,650 |
| Net loans and leases to core deposits | 80.7661% | 3,036 |
| Total domestic deposits to total assets | 87.0263% | 2,678 |
| Equity capital to assets | 7.8788% | 6,221 |
| Core capital (leverage) ratio | 7.7181% | 6,368 |
| Tier 1 risk-based capital ratio | 11.5796% | 6,020 |
| Total risk-based capital ratio | 12.8326% | 5,985 |
| Memoranda: | ||
| Average total assets | $541,257,500 | 1,244 |
| Average earning assets | $508,541,000 | 1,205 |
| Average equity | $43,159,000 | 1,632 |
| Average total loans | $358,953,750 | 1,195 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4329% | 5,833 |
| Cost of funding earning assets | 0.4620% | 4,289 |
| Net interest margin | 2.9708% | 5,645 |
| Noninterest income to average assets | 0.6023% | 3,177 |
| Noninterest expense to average assets | 2.4812% | 4,801 |
| Loan and lease loss provision to assets | 0.0371% | 4,206 |
| Net operating income to assets | 0.7037% | 3,788 |
| Return on assets (ROA) | 0.7037% | 3,960 |
| Pretax return on assets | 0.8774% | 3,994 |
| Return on Equity (ROE) | 8.7891% | 2,716 |
| Retained earnings to average equity (ytd only) | 3.9887% | 3,755 |
| Net charge-offs to loans | 0.3247% | 1,886 |
| Credit loss provision to net charge-offs | 17.4825% | 3,781 |
| Earnings coverage of net charge-offs (x) | 4.3059% | 3,168 |
| Efficiency ratio | 72.7392% | 3,350 |
| Assets per employee ($millions) | 4.1860% | 3,390 |
| Cash dividends to net income (ytd only)* | 54.6174% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 3,603 |
| Loan loss allowance to noncurrent loans | 127.9925% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 1.0618% | 3,622 |
| Noncurrent loans to loans | 1.1694% | 3,599 |
| Net loans and leases to total assets | 66.7198% | 2,462 |
| Net loans and leases to deposits | 77.1697% | 2,705 |
| Net loans and leases to core deposits | 79.7537% | 3,054 |
| Total domestic deposits to total assets | 86.4585% | 3,134 |
| Equity capital to assets | 7.9378% | 6,240 |
| Core capital (leverage) ratio | 7.6649% | 6,386 |
| Tier 1 risk-based capital ratio | 11.7479% | 5,956 |
| Total risk-based capital ratio | 13.0013% | 5,914 |
| Memoranda: | ||
| Average total assets | $538,606,670 | 1,244 |
| Average earning assets | $506,456,000 | 1,214 |
| Average equity | $43,121,670 | 1,631 |
| Average total loans | $352,362,330 | 1,206 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4220% | 5,894 |
| Cost of funding earning assets | 0.4758% | 4,321 |
| Net interest margin | 2.9462% | 5,716 |
| Noninterest income to average assets | 0.5585% | 3,373 |
| Noninterest expense to average assets | 2.4770% | 4,837 |
| Loan and lease loss provision to assets | 0.0741% | 3,393 |
| Net operating income to assets | 0.6385% | 4,029 |
| Return on assets (ROA) | 0.6385% | 4,192 |
| Pretax return on assets | 0.7778% | 4,261 |
| Return on Equity (ROE) | 7.9416% | 3,010 |
| Retained earnings to average equity (ytd only) | 3.1785% | 4,356 |
| Net charge-offs to loans | 0.6431% | 949 |
| Credit loss provision to net charge-offs | 17.9211% | 3,068 |
| Earnings coverage of net charge-offs (x) | 2.0609% | 3,146 |
| Efficiency ratio | 74.0765% | 3,253 |
| Assets per employee ($millions) | 4.1043% | 3,735 |
| Cash dividends to net income (ytd only)* | 59.9768% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5738% | 3,508 |
| Loan loss allowance to noncurrent loans | 143.0523% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 1.0586% | 3,816 |
| Noncurrent loans to loans | 1.1002% | 3,944 |
| Net loans and leases to total assets | 63.8340% | 2,739 |
| Net loans and leases to deposits | 73.6303% | 2,973 |
| Net loans and leases to core deposits | 75.9133% | 3,335 |
| Total domestic deposits to total assets | 86.6953% | 3,131 |
| Equity capital to assets | 8.1506% | 6,296 |
| Core capital (leverage) ratio | 7.6048% | 6,419 |
| Tier 1 risk-based capital ratio | 12.1230% | 5,838 |
| Total risk-based capital ratio | 13.3768% | 5,786 |
| Memoranda: | ||
| Average total assets | $540,007,500 | 1,250 |
| Average earning assets | $507,769,500 | 1,226 |
| Average equity | $43,417,000 | 1,645 |
| Average total loans | $347,083,500 | 1,223 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6937% | 6,062 |
| Cost of funding earning assets | 0.6100% | 4,252 |
| Net interest margin | 3.0837% | 5,855 |
| Noninterest income to average assets | 0.6492% | 2,992 |
| Noninterest expense to average assets | 2.4983% | 5,100 |
| Loan and lease loss provision to assets | 0.0836% | 4,656 |
| Net operating income to assets | 0.7817% | 3,362 |
| Return on assets (ROA) | 0.7838% | 3,601 |
| Pretax return on assets | 0.9761% | 3,636 |
| Return on Equity (ROE) | 9.9207% | 2,203 |
| Retained earnings to average equity (ytd only) | 5.0933% | 2,650 |
| Net charge-offs to loans | 0.1223% | 4,455 |
| Credit loss provision to net charge-offs | 106.1321% | 2,801 |
| Earnings coverage of net charge-offs (x) | 13.4151% | 1,828 |
| Efficiency ratio | 69.9530% | 3,829 |
| Assets per employee ($millions) | 4.2035% | 3,545 |
| Cash dividends to net income (ytd only)* | 48.6602% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6959% | 2,949 |
| Loan loss allowance to noncurrent loans | 107.5998% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 1.1739% | 3,701 |
| Noncurrent loans to loans | 1.5761% | 3,256 |
| Net loans and leases to total assets | 62.6262% | 3,145 |
| Net loans and leases to deposits | 72.6174% | 3,310 |
| Net loans and leases to core deposits | 74.7780% | 3,686 |
| Total domestic deposits to total assets | 86.2414% | 3,233 |
| Equity capital to assets | 7.9322% | 6,441 |
| Core capital (leverage) ratio | 7.3284% | 6,576 |
| Tier 1 risk-based capital ratio | 11.8697% | 5,863 |
| Total risk-based capital ratio | 13.1257% | 5,818 |
| Memoranda: | ||
| Average total assets | $538,038,000 | 1,242 |
| Average earning assets | $507,078,400 | 1,193 |
| Average equity | $42,507,200 | 1,635 |
| Average total loans | $346,554,200 | 1,215 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7372% | 6,153 |
| Cost of funding earning assets | 0.6403% | 4,278 |
| Net interest margin | 3.0969% | 5,946 |
| Noninterest income to average assets | 0.6535% | 2,976 |
| Noninterest expense to average assets | 2.4654% | 5,192 |
| Loan and lease loss provision to assets | 0.1120% | 4,166 |
| Net operating income to assets | 0.8132% | 3,382 |
| Return on assets (ROA) | 0.8160% | 3,609 |
| Pretax return on assets | 1.0013% | 3,703 |
| Return on Equity (ROE) | 10.3392% | 2,203 |
| Retained earnings to average equity (ytd only) | 7.1051% | 2,060 |
| Net charge-offs to loans | 0.0193% | 5,400 |
| Credit loss provision to net charge-offs | 900.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 89.2133% | 467 |
| Efficiency ratio | 68.6452% | 3,940 |
| Assets per employee ($millions) | 3.9499% | 3,974 |
| Cash dividends to net income (ytd only)* | 31.2806% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7713% | 2,894 |
| Loan loss allowance to noncurrent loans | 105.2826% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 1.2505% | 3,798 |
| Noncurrent loans to loans | 1.6824% | 3,271 |
| Net loans and leases to total assets | 64.3391% | 2,970 |
| Net loans and leases to deposits | 74.9953% | 3,147 |
| Net loans and leases to core deposits | 77.3434% | 3,563 |
| Total domestic deposits to total assets | 85.7909% | 3,366 |
| Equity capital to assets | 8.0505% | 6,567 |
| Core capital (leverage) ratio | 7.5016% | 6,623 |
| Tier 1 risk-based capital ratio | 11.9131% | 5,986 |
| Total risk-based capital ratio | 13.1707% | 5,967 |
| Memoranda: | ||
| Average total assets | $535,933,000 | 1,261 |
| Average earning assets | $505,612,750 | 1,211 |
| Average equity | $42,297,500 | 1,660 |
| Average total loans | $346,160,250 | 1,226 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7850% | 6,177 |
| Cost of funding earning assets | 0.6709% | 4,267 |
| Net interest margin | 3.1142% | 5,965 |
| Noninterest income to average assets | 0.6335% | 3,052 |
| Noninterest expense to average assets | 2.4470% | 5,302 |
| Loan and lease loss provision to assets | 0.1123% | 4,126 |
| Net operating income to assets | 0.8235% | 3,285 |
| Return on assets (ROA) | 0.8278% | 3,523 |
| Pretax return on assets | 1.0146% | 3,652 |
| Return on Equity (ROE) | 10.5599% | 2,147 |
| Retained earnings to average equity (ytd only) | 5.6597% | 2,900 |
| Net charge-offs to loans | 0.0163% | 5,189 |
| Credit loss provision to net charge-offs | 1,071.4286% | 309 |
| Earnings coverage of net charge-offs (x) | 107.0000% | 401 |
| Efficiency ratio | 68.2543% | 4,074 |
| Assets per employee ($millions) | 4.0008% | 3,873 |
| Cash dividends to net income (ytd only)* | 46.4043% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7641% | 2,971 |
| Loan loss allowance to noncurrent loans | 106.6043% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 1.2240% | 3,967 |
| Noncurrent loans to loans | 1.6548% | 3,420 |
| Net loans and leases to total assets | 64.3598% | 2,962 |
| Net loans and leases to deposits | 75.6291% | 3,039 |
| Net loans and leases to core deposits | 77.9920% | 3,515 |
| Total domestic deposits to total assets | 85.0992% | 3,814 |
| Equity capital to assets | 7.9391% | 6,604 |
| Core capital (leverage) ratio | 7.3522% | 6,687 |
| Tier 1 risk-based capital ratio | 11.8171% | 6,044 |
| Total risk-based capital ratio | 13.0749% | 6,011 |
| Memoranda: | ||
| Average total assets | $534,200,330 | 1,266 |
| Average earning assets | $503,507,330 | 1,220 |
| Average equity | $41,875,330 | 1,669 |
| Average total loans | $343,401,330 | 1,230 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8261% | 6,195 |
| Cost of funding earning assets | 0.7083% | 4,207 |
| Net interest margin | 3.1178% | 5,988 |
| Noninterest income to average assets | 0.6046% | 3,202 |
| Noninterest expense to average assets | 2.3757% | 5,551 |
| Loan and lease loss provision to assets | 0.1121% | 3,959 |
| Net operating income to assets | 0.8594% | 3,111 |
| Return on assets (ROA) | 0.8594% | 3,342 |
| Pretax return on assets | 1.0575% | 3,477 |
| Return on Equity (ROE) | 11.0337% | 2,004 |
| Retained earnings to average equity (ytd only) | 11.0337% | 1,016 |
| Net charge-offs to loans | -0.0059% | 5,825 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6948% | 4,427 |
| Assets per employee ($millions) | 4.0988% | 3,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7675% | 3,100 |
| Loan loss allowance to noncurrent loans | 109.1156% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 1.1597% | 4,188 |
| Noncurrent loans to loans | 1.6198% | 3,688 |
| Net loans and leases to total assets | 62.4452% | 3,162 |
| Net loans and leases to deposits | 74.7191% | 3,011 |
| Net loans and leases to core deposits | 77.1325% | 3,451 |
| Total domestic deposits to total assets | 83.5733% | 4,687 |
| Equity capital to assets | 7.8281% | 6,626 |
| Core capital (leverage) ratio | 7.3830% | 6,695 |
| Tier 1 risk-based capital ratio | 11.7503% | 6,126 |
| Total risk-based capital ratio | 13.0073% | 6,101 |
| Memoranda: | ||
| Average total assets | $535,244,500 | 1,266 |
| Average earning assets | $504,842,000 | 1,219 |
| Average equity | $41,690,500 | 1,667 |
| Average total loans | $340,794,000 | 1,239 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2824% | 5,812 |
| Cost of funding earning assets | 0.9528% | 3,704 |
| Net interest margin | 3.3296% | 5,723 |
| Noninterest income to average assets | 0.6582% | 2,842 |
| Noninterest expense to average assets | 2.5349% | 5,336 |
| Loan and lease loss provision to assets | 0.1943% | 4,238 |
| Net operating income to assets | 0.8790% | 2,697 |
| Return on assets (ROA) | 0.8762% | 2,847 |
| Pretax return on assets | 1.0543% | 3,020 |
| Return on Equity (ROE) | 11.0335% | 1,686 |
| Retained earnings to average equity (ytd only) | 6.0048% | 2,010 |
| Net charge-offs to loans | 0.1095% | 5,274 |
| Credit loss provision to net charge-offs | 272.3464% | 879 |
| Earnings coverage of net charge-offs (x) | 17.5419% | 1,267 |
| Efficiency ratio | 66.6333% | 4,635 |
| Assets per employee ($millions) | 4.1683% | 3,516 |
| Cash dividends to net income (ytd only)* | 45.5765% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7275% | 3,099 |
| Loan loss allowance to noncurrent loans | 106.9700% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 1.1538% | 4,308 |
| Noncurrent loans to loans | 1.6150% | 3,737 |
| Net loans and leases to total assets | 62.6716% | 3,476 |
| Net loans and leases to deposits | 74.1607% | 3,471 |
| Net loans and leases to core deposits | 76.4368% | 3,916 |
| Total domestic deposits to total assets | 84.5078% | 4,091 |
| Equity capital to assets | 7.7497% | 6,711 |
| Core capital (leverage) ratio | 7.3076% | 6,743 |
| Tier 1 risk-based capital ratio | 11.5984% | 6,097 |
| Total risk-based capital ratio | 12.8554% | 6,072 |
| Memoranda: | ||
| Average total assets | $501,839,600 | 1,336 |
| Average earning assets | $471,468,000 | 1,299 |
| Average equity | $39,851,200 | 1,699 |
| Average total loans | $326,795,000 | 1,302 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4002% | 5,601 |
| Cost of funding earning assets | 1.0027% | 3,663 |
| Net interest margin | 3.3975% | 5,585 |
| Noninterest income to average assets | 0.6543% | 2,854 |
| Noninterest expense to average assets | 2.5386% | 5,319 |
| Loan and lease loss provision to assets | 0.2227% | 3,788 |
| Net operating income to assets | 0.8919% | 2,771 |
| Return on assets (ROA) | 0.8881% | 2,943 |
| Pretax return on assets | 1.0771% | 3,108 |
| Return on Equity (ROE) | 11.1117% | 1,827 |
| Retained earnings to average equity (ytd only) | 7.7714% | 1,600 |
| Net charge-offs to loans | 0.1018% | 4,974 |
| Credit loss provision to net charge-offs | 334.0081% | 844 |
| Earnings coverage of net charge-offs (x) | 19.5503% | 1,257 |
| Efficiency ratio | 65.7556% | 4,758 |
| Assets per employee ($millions) | 3.8907% | 4,093 |
| Cash dividends to net income (ytd only)* | 30.0607% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7719% | 3,031 |
| Loan loss allowance to noncurrent loans | 126.6320% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.9885% | 4,774 |
| Noncurrent loans to loans | 1.3992% | 4,196 |
| Net loans and leases to total assets | 63.5108% | 3,410 |
| Net loans and leases to deposits | 77.1170% | 3,149 |
| Net loans and leases to core deposits | 79.6648% | 3,690 |
| Total domestic deposits to total assets | 82.3563% | 4,947 |
| Equity capital to assets | 8.0382% | 6,673 |
| Core capital (leverage) ratio | 7.6929% | 6,645 |
| Tier 1 risk-based capital ratio | 11.8108% | 6,028 |
| Total risk-based capital ratio | 13.0679% | 6,010 |
| Memoranda: | ||
| Average total assets | $493,914,500 | 1,356 |
| Average earning assets | $463,425,750 | 1,328 |
| Average equity | $39,477,000 | 1,717 |
| Average total loans | $323,429,750 | 1,319 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4761% | 5,432 |
| Cost of funding earning assets | 1.0465% | 3,631 |
| Net interest margin | 3.4296% | 5,445 |
| Noninterest income to average assets | 0.5963% | 3,169 |
| Noninterest expense to average assets | 2.5637% | 5,313 |
| Loan and lease loss provision to assets | 0.2763% | 3,167 |
| Net operating income to assets | 0.8300% | 2,944 |
| Return on assets (ROA) | 0.8243% | 3,082 |
| Pretax return on assets | 0.9655% | 3,377 |
| Return on Equity (ROE) | 10.3336% | 2,002 |
| Retained earnings to average equity (ytd only) | 5.2592% | 2,832 |
| Net charge-offs to loans | 0.0597% | 5,051 |
| Credit loss provision to net charge-offs | 703.1250% | 455 |
| Earnings coverage of net charge-offs (x) | 31.7500% | 883 |
| Efficiency ratio | 66.9459% | 4,709 |
| Assets per employee ($millions) | 3.8210% | 4,147 |
| Cash dividends to net income (ytd only)* | 49.1063% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7811% | 3,056 |
| Loan loss allowance to noncurrent loans | 119.6476% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 1.1180% | 4,658 |
| Noncurrent loans to loans | 1.4886% | 4,193 |
| Net loans and leases to total assets | 66.3659% | 2,953 |
| Net loans and leases to deposits | 80.5662% | 2,691 |
| Net loans and leases to core deposits | 83.6808% | 3,261 |
| Total domestic deposits to total assets | 82.3744% | 5,036 |
| Equity capital to assets | 8.1160% | 6,592 |
| Core capital (leverage) ratio | 7.5176% | 6,734 |
| Tier 1 risk-based capital ratio | 11.3366% | 6,294 |
| Total risk-based capital ratio | 12.5936% | 6,279 |
| Memoranda: | ||
| Average total assets | $488,659,670 | 1,376 |
| Average earning assets | $458,077,000 | 1,342 |
| Average equity | $38,979,670 | 1,721 |
| Average total loans | $321,393,000 | 1,341 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4789% | 5,405 |
| Cost of funding earning assets | 1.0710% | 3,714 |
| Net interest margin | 3.4079% | 5,399 |
| Noninterest income to average assets | 0.5661% | 3,397 |
| Noninterest expense to average assets | 2.5271% | 5,460 |
| Loan and lease loss provision to assets | 0.3059% | 2,723 |
| Net operating income to assets | 0.8092% | 2,982 |
| Return on assets (ROA) | 0.7994% | 3,105 |
| Pretax return on assets | 0.9210% | 3,424 |
| Return on Equity (ROE) | 10.1090% | 2,056 |
| Retained earnings to average equity (ytd only) | 10.1090% | 1,099 |
| Net charge-offs to loans | 0.1924% | 3,350 |
| Credit loss provision to net charge-offs | 245.0980% | 1,280 |
| Earnings coverage of net charge-offs (x) | 9.9085% | 1,678 |
| Efficiency ratio | 66.8184% | 4,896 |
| Assets per employee ($millions) | 3.7779% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7034% | 3,333 |
| Loan loss allowance to noncurrent loans | 116.7838% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 1.1076% | 4,701 |
| Noncurrent loans to loans | 1.4586% | 4,279 |
| Net loans and leases to total assets | 65.4297% | 3,146 |
| Net loans and leases to deposits | 80.5970% | 2,596 |
| Net loans and leases to core deposits | 84.7694% | 3,062 |
| Total domestic deposits to total assets | 81.1812% | 5,609 |
| Equity capital to assets | 8.1536% | 6,335 |
| Core capital (leverage) ratio | 7.4727% | 6,746 |
| Tier 1 risk-based capital ratio | 11.3166% | 6,242 |
| Total risk-based capital ratio | 12.5722% | 6,220 |
| Memoranda: | ||
| Average total assets | $490,359,000 | 1,377 |
| Average earning assets | $460,111,000 | 1,343 |
| Average equity | $38,777,500 | 1,719 |
| Average total loans | $318,145,500 | 1,371 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8719% | 5,148 |
| Cost of funding earning assets | 1.2518% | 4,205 |
| Net interest margin | 3.6201% | 4,720 |
| Noninterest income to average assets | 0.6938% | 2,875 |
| Noninterest expense to average assets | 2.6707% | 5,122 |
| Loan and lease loss provision to assets | 0.3466% | 4,051 |
| Net operating income to assets | 0.8859% | 2,444 |
| Return on assets (ROA) | 0.8780% | 2,612 |
| Pretax return on assets | 1.0555% | 2,753 |
| Return on Equity (ROE) | 10.9853% | 1,593 |
| Retained earnings to average equity (ytd only) | 5.9026% | 1,879 |
| Net charge-offs to loans | 0.1867% | 5,183 |
| Credit loss provision to net charge-offs | 287.4564% | 942 |
| Earnings coverage of net charge-offs (x) | 11.6951% | 1,582 |
| Efficiency ratio | 65.1379% | 5,139 |
| Assets per employee ($millions) | 3.7951% | 4,273 |
| Cash dividends to net income (ytd only)* | 46.2679% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6733% | 3,320 |
| Loan loss allowance to noncurrent loans | 272.1676% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.5318% | 5,969 |
| Noncurrent loans to loans | 0.6148% | 5,820 |
| Net loans and leases to total assets | 62.1845% | 4,243 |
| Net loans and leases to deposits | 75.9289% | 3,851 |
| Net loans and leases to core deposits | 80.8924% | 4,081 |
| Total domestic deposits to total assets | 81.8983% | 5,220 |
| Equity capital to assets | 7.6691% | 6,767 |
| Core capital (leverage) ratio | 7.1668% | 6,930 |
| Tier 1 risk-based capital ratio | 11.2230% | 6,165 |
| Total risk-based capital ratio | 12.4782% | 6,142 |
| Memoranda: | ||
| Average total assets | $476,088,600 | 1,409 |
| Average earning assets | $445,431,400 | 1,369 |
| Average equity | $38,051,000 | 1,728 |
| Average total loans | $307,374,000 | 1,456 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9448% | 5,059 |
| Cost of funding earning assets | 1.2743% | 4,406 |
| Net interest margin | 3.6704% | 4,537 |
| Noninterest income to average assets | 0.6890% | 2,883 |
| Noninterest expense to average assets | 2.6639% | 5,035 |
| Loan and lease loss provision to assets | 0.2549% | 4,542 |
| Net operating income to assets | 0.9761% | 2,318 |
| Return on assets (ROA) | 0.9682% | 2,460 |
| Pretax return on assets | 1.1953% | 2,506 |
| Return on Equity (ROE) | 11.9861% | 1,507 |
| Retained earnings to average equity (ytd only) | 8.6416% | 1,187 |
| Net charge-offs to loans | 0.0301% | 6,261 |
| Credit loss provision to net charge-offs | 1,304.3478% | 231 |
| Earnings coverage of net charge-offs (x) | 74.6213% | 406 |
| Efficiency ratio | 64.3171% | 5,190 |
| Assets per employee ($millions) | 3.7195% | 4,464 |
| Cash dividends to net income (ytd only)* | 27.9030% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5909% | 3,559 |
| Loan loss allowance to noncurrent loans | 317.0670% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.4144% | 6,386 |
| Noncurrent loans to loans | 0.5017% | 6,196 |
| Net loans and leases to total assets | 63.6788% | 4,191 |
| Net loans and leases to deposits | 77.9505% | 3,838 |
| Net loans and leases to core deposits | 84.1692% | 3,907 |
| Total domestic deposits to total assets | 81.6913% | 5,128 |
| Equity capital to assets | 8.1759% | 6,636 |
| Core capital (leverage) ratio | 7.4534% | 6,878 |
| Tier 1 risk-based capital ratio | 11.2253% | 6,165 |
| Total risk-based capital ratio | 12.4795% | 6,160 |
| Memoranda: | ||
| Average total assets | $470,822,500 | 1,441 |
| Average earning assets | $440,372,500 | 1,398 |
| Average equity | $38,032,000 | 1,747 |
| Average total loans | $305,614,250 | 1,486 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9176% | 5,312 |
| Cost of funding earning assets | 1.3078% | 4,485 |
| Net interest margin | 3.6098% | 4,773 |
| Noninterest income to average assets | 0.6791% | 2,825 |
| Noninterest expense to average assets | 2.6626% | 5,069 |
| Loan and lease loss provision to assets | 0.2579% | 4,357 |
| Net operating income to assets | 0.9279% | 2,444 |
| Return on assets (ROA) | 0.9185% | 2,583 |
| Pretax return on assets | 1.1278% | 2,681 |
| Return on Equity (ROE) | 11.4186% | 1,618 |
| Retained earnings to average equity (ytd only) | 6.3211% | 2,155 |
| Net charge-offs to loans | 0.0066% | 6,274 |
| Credit loss provision to net charge-offs | 6,000.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 324.6000% | 102 |
| Efficiency ratio | 65.3003% | 5,103 |
| Assets per employee ($millions) | 3.6002% | 4,699 |
| Cash dividends to net income (ytd only)* | 44.6420% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5215% | 3,812 |
| Loan loss allowance to noncurrent loans | 395.6089% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.3434% | 6,560 |
| Noncurrent loans to loans | 0.3846% | 6,472 |
| Net loans and leases to total assets | 66.0347% | 3,822 |
| Net loans and leases to deposits | 80.8870% | 3,452 |
| Net loans and leases to core deposits | 87.4788% | 3,625 |
| Total domestic deposits to total assets | 81.6383% | 5,136 |
| Equity capital to assets | 8.1072% | 6,649 |
| Core capital (leverage) ratio | 7.3553% | 6,950 |
| Tier 1 risk-based capital ratio | 10.8288% | 6,421 |
| Total risk-based capital ratio | 12.0821% | 6,409 |
| Memoranda: | ||
| Average total assets | $465,343,000 | 1,465 |
| Average earning assets | $435,537,000 | 1,427 |
| Average equity | $37,430,000 | 1,777 |
| Average total loans | $302,386,330 | 1,515 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9343% | 5,292 |
| Cost of funding earning assets | 1.3193% | 4,697 |
| Net interest margin | 3.6150% | 4,657 |
| Noninterest income to average assets | 0.6672% | 2,833 |
| Noninterest expense to average assets | 2.6078% | 5,327 |
| Loan and lease loss provision to assets | 0.2586% | 3,967 |
| Net operating income to assets | 0.9560% | 2,339 |
| Return on assets (ROA) | 0.9414% | 2,453 |
| Pretax return on assets | 1.1664% | 2,487 |
| Return on Equity (ROE) | 11.7505% | 1,566 |
| Retained earnings to average equity (ytd only) | 11.7505% | 790 |
| Net charge-offs to loans | 0.0283% | 5,172 |
| Credit loss provision to net charge-offs | 1,428.5714% | 350 |
| Earnings coverage of net charge-offs (x) | 79.5238% | 388 |
| Efficiency ratio | 64.1108% | 5,472 |
| Assets per employee ($millions) | 3.6580% | 4,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4835% | 3,991 |
| Loan loss allowance to noncurrent loans | 371.0723% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.3892% | 6,496 |
| Noncurrent loans to loans | 0.3998% | 6,488 |
| Net loans and leases to total assets | 63.8107% | 4,373 |
| Net loans and leases to deposits | 77.5167% | 4,129 |
| Net loans and leases to core deposits | 85.0434% | 4,047 |
| Total domestic deposits to total assets | 82.3187% | 4,925 |
| Equity capital to assets | 8.1164% | 6,525 |
| Core capital (leverage) ratio | 7.4627% | 6,887 |
| Tier 1 risk-based capital ratio | 11.2661% | 5,881 |
| Total risk-based capital ratio | 12.5187% | 5,843 |
| Memoranda: | ||
| Average total assets | $464,000,500 | 1,511 |
| Average earning assets | $433,860,000 | 1,468 |
| Average equity | $37,173,000 | 1,809 |
| Average total loans | $296,661,500 | 1,587 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2586% | 5,373 |
| Cost of funding earning assets | 1.5391% | 5,342 |
| Net interest margin | 3.7196% | 4,047 |
| Noninterest income to average assets | 0.7216% | 2,843 |
| Noninterest expense to average assets | 2.7943% | 4,998 |
| Loan and lease loss provision to assets | 0.3944% | 4,430 |
| Net operating income to assets | 0.8014% | 2,535 |
| Return on assets (ROA) | 0.8035% | 2,610 |
| Pretax return on assets | 1.0186% | 2,530 |
| Return on Equity (ROE) | 9.7584% | 1,757 |
| Retained earnings to average equity (ytd only) | 4.6681% | 1,992 |
| Net charge-offs to loans | 0.5470% | 3,596 |
| Credit loss provision to net charge-offs | 111.5061% | 4,925 |
| Earnings coverage of net charge-offs (x) | 3.9761% | 3,118 |
| Efficiency ratio | 66.1931% | 5,361 |
| Assets per employee ($millions) | 3.5925% | 4,797 |
| Cash dividends to net income (ytd only)* | 52.1628% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 4,069 |
| Loan loss allowance to noncurrent loans | 333.7321% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.3873% | 6,481 |
| Noncurrent loans to loans | 0.4288% | 6,407 |
| Net loans and leases to total assets | 62.1945% | 4,948 |
| Net loans and leases to deposits | 74.4775% | 4,954 |
| Net loans and leases to core deposits | 89.3286% | 5,195 |
| Total domestic deposits to total assets | 83.5078% | 4,280 |
| Equity capital to assets | 7.9061% | 6,666 |
| Core capital (leverage) ratio | 7.1142% | 7,147 |
| Tier 1 risk-based capital ratio | 11.0978% | 5,833 |
| Total risk-based capital ratio | 12.3497% | 5,780 |
| Memoranda: | ||
| Average total assets | $437,354,200 | 1,585 |
| Average earning assets | $409,078,400 | 1,547 |
| Average equity | $36,010,000 | 1,873 |
| Average total loans | $282,806,200 | 1,704 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3371% | 5,234 |
| Cost of funding earning assets | 1.5724% | 5,528 |
| Net interest margin | 3.7647% | 3,801 |
| Noninterest income to average assets | 0.7365% | 2,786 |
| Noninterest expense to average assets | 2.8298% | 4,762 |
| Loan and lease loss provision to assets | 0.3791% | 4,055 |
| Net operating income to assets | 0.8212% | 2,719 |
| Return on assets (ROA) | 0.8062% | 2,852 |
| Pretax return on assets | 1.0364% | 2,788 |
| Return on Equity (ROE) | 9.6876% | 2,036 |
| Retained earnings to average equity (ytd only) | 6.3220% | 1,808 |
| Net charge-offs to loans | 0.7018% | 2,592 |
| Credit loss provision to net charge-offs | 82.9946% | 5,680 |
| Earnings coverage of net charge-offs (x) | 3.1308% | 3,668 |
| Efficiency ratio | 66.1024% | 5,343 |
| Assets per employee ($millions) | 3.5778% | 4,738 |
| Cash dividends to net income (ytd only)* | 34.7409% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 4,330 |
| Loan loss allowance to noncurrent loans | 328.0349% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.3814% | 6,511 |
| Noncurrent loans to loans | 0.4048% | 6,532 |
| Net loans and leases to total assets | 61.4224% | 5,343 |
| Net loans and leases to deposits | 75.5967% | 5,110 |
| Net loans and leases to core deposits | 91.0951% | 5,323 |
| Total domestic deposits to total assets | 81.2502% | 4,976 |
| Equity capital to assets | 8.1509% | 6,693 |
| Core capital (leverage) ratio | 7.4615% | 7,021 |
| Tier 1 risk-based capital ratio | 11.4319% | 5,494 |
| Total risk-based capital ratio | 12.6827% | 5,440 |
| Memoranda: | ||
| Average total assets | $430,833,250 | 1,620 |
| Average earning assets | $403,205,000 | 1,588 |
| Average equity | $35,852,500 | 1,899 |
| Average total loans | $280,403,250 | 1,738 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4462% | 4,912 |
| Cost of funding earning assets | 1.6281% | 5,621 |
| Net interest margin | 3.8181% | 3,468 |
| Noninterest income to average assets | 0.7419% | 2,747 |
| Noninterest expense to average assets | 2.9174% | 4,440 |
| Loan and lease loss provision to assets | 0.2837% | 4,303 |
| Net operating income to assets | 0.8620% | 2,603 |
| Return on assets (ROA) | 0.8416% | 2,789 |
| Pretax return on assets | 1.0965% | 2,650 |
| Return on Equity (ROE) | 10.0400% | 2,008 |
| Retained earnings to average equity (ytd only) | 4.9354% | 2,547 |
| Net charge-offs to loans | 0.1331% | 4,834 |
| Credit loss provision to net charge-offs | 322.5806% | 1,448 |
| Earnings coverage of net charge-offs (x) | 15.9247% | 1,565 |
| Efficiency ratio | 67.2361% | 5,306 |
| Assets per employee ($millions) | 3.4623% | 4,918 |
| Cash dividends to net income (ytd only)* | 50.8427% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5584% | 2,917 |
| Loan loss allowance to noncurrent loans | 130.7988% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.8258% | 5,338 |
| Noncurrent loans to loans | 1.1915% | 4,839 |
| Net loans and leases to total assets | 64.5272% | 4,873 |
| Net loans and leases to deposits | 77.9263% | 4,885 |
| Net loans and leases to core deposits | 94.7657% | 5,032 |
| Total domestic deposits to total assets | 82.8054% | 4,329 |
| Equity capital to assets | 8.1908% | 6,507 |
| Core capital (leverage) ratio | 7.4142% | 7,122 |
| Tier 1 risk-based capital ratio | 11.4052% | 5,493 |
| Total risk-based capital ratio | 12.6591% | 5,401 |
| Memoranda: | ||
| Average total assets | $422,985,000 | 1,677 |
| Average earning assets | $396,163,000 | 1,643 |
| Average equity | $35,458,000 | 1,917 |
| Average total loans | $279,589,000 | 1,776 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5730% | 4,506 |
| Cost of funding earning assets | 1.6679% | 5,747 |
| Net interest margin | 3.9051% | 3,026 |
| Noninterest income to average assets | 0.6946% | 2,922 |
| Noninterest expense to average assets | 2.9707% | 3,889 |
| Loan and lease loss provision to assets | 0.2870% | 3,663 |
| Net operating income to assets | 0.8448% | 2,930 |
| Return on assets (ROA) | 0.8199% | 3,196 |
| Pretax return on assets | 1.0610% | 3,141 |
| Return on Equity (ROE) | 9.6665% | 2,463 |
| Retained earnings to average equity (ytd only) | 9.6665% | 1,292 |
| Net charge-offs to loans | 0.0288% | 5,123 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 71.7500% | 561 |
| Efficiency ratio | 68.0617% | 4,958 |
| Assets per employee ($millions) | 3.4474% | 4,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5177% | 2,877 |
| Loan loss allowance to noncurrent loans | 116.6848% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.9032% | 4,924 |
| Noncurrent loans to loans | 1.3007% | 4,375 |
| Net loans and leases to total assets | 65.6030% | 4,669 |
| Net loans and leases to deposits | 79.9552% | 4,623 |
| Net loans and leases to core deposits | 100.9567% | 4,443 |
| Total domestic deposits to total assets | 82.0497% | 4,530 |
| Equity capital to assets | 8.4418% | 6,160 |
| Core capital (leverage) ratio | 7.6223% | 6,995 |
| Tier 1 risk-based capital ratio | 11.3037% | 5,596 |
| Total risk-based capital ratio | 12.5569% | 5,504 |
| Memoranda: | ||
| Average total assets | $418,083,500 | 1,705 |
| Average earning assets | $390,671,500 | 1,676 |
| Average equity | $35,462,500 | 1,928 |
| Average total loans | $277,540,000 | 1,788 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9871% | 5,608 |
| Cost of funding earning assets | 2.0953% | 6,071 |
| Net interest margin | 3.8917% | 3,600 |
| Noninterest income to average assets | 0.7513% | 2,774 |
| Noninterest expense to average assets | 2.8532% | 4,590 |
| Loan and lease loss provision to assets | 0.5020% | 2,804 |
| Net operating income to assets | 0.7642% | 3,597 |
| Return on assets (ROA) | 0.7857% | 3,346 |
| Pretax return on assets | 1.0330% | 3,262 |
| Return on Equity (ROE) | 9.2476% | 2,551 |
| Retained earnings to average equity (ytd only) | 4.1848% | 2,518 |
| Net charge-offs to loans | 0.7824% | 1,590 |
| Credit loss provision to net charge-offs | 94.0313% | 5,571 |
| Earnings coverage of net charge-offs (x) | 2.8224% | 4,669 |
| Efficiency ratio | 65.0948% | 5,300 |
| Assets per employee ($millions) | 3.4345% | 4,845 |
| Cash dividends to net income (ytd only)* | 54.7473% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4698% | 2,832 |
| Loan loss allowance to noncurrent loans | 111.6778% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.9460% | 4,459 |
| Noncurrent loans to loans | 1.3161% | 3,881 |
| Net loans and leases to total assets | 65.1748% | 5,019 |
| Net loans and leases to deposits | 78.9328% | 5,207 |
| Net loans and leases to core deposits | 98.4442% | 4,996 |
| Total domestic deposits to total assets | 82.5701% | 3,967 |
| Equity capital to assets | 8.5236% | 6,048 |
| Core capital (leverage) ratio | 7.5312% | 7,167 |
| Tier 1 risk-based capital ratio | 11.2624% | 5,472 |
| Total risk-based capital ratio | 12.5145% | 5,358 |
| Memoranda: | ||
| Average total assets | $395,449,000 | 1,712 |
| Average earning assets | $366,673,600 | 1,697 |
| Average equity | $33,597,800 | 2,015 |
| Average total loans | $269,800,400 | 1,775 |