Home > Community National Bank > Performance and Condition Ratios
Community National 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 | 6.0480% | 599 |
| Cost of funding earning assets | 0.7435% | 3,863 |
| Net interest margin | 5.3045% | 238 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.2338% | 3,030 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 2.5539% | 228 |
| Return on assets (ROA) | 2.5348% | 224 |
| Pretax return on assets | 3.2067% | 170 |
| Return on Equity (ROE) | 25.2600% | 303 |
| Retained earnings to average equity (ytd only) | 21.9477% | 105 |
| Net charge-offs to loans | 0.0388% | 1,533 |
| Credit loss provision to net charge-offs | 337.4291% | 875 |
| Earnings coverage of net charge-offs (x) | 126.4612% | 792 |
| Efficiency ratio | 40.2248% | 4,356 |
| Assets per employee ($millions) | 8.6861% | 1,113 |
| Cash dividends to net income (ytd only)* | 13.1157% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6363% | 782 |
| Loan loss allowance to noncurrent loans | 1,430.5606% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 3,024 |
| Noncurrent loans to loans | 0.1144% | 2,954 |
| Net loans and leases to total assets | 67.0400% | 2,143 |
| Net loans and leases to deposits | 76.1463% | 2,442 |
| Net loans and leases to core deposits | 83.1207% | 2,515 |
| Total domestic deposits to total assets | 88.0400% | 1,341 |
| Equity capital to assets | 10.7033% | 1,630 |
| Core capital (leverage) ratio | 11.3984% | 1,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2061% | 1,800 |
| Memoranda: | ||
| Average total assets | $2,015,329,400 | 568 |
| Average earning assets | $1,873,819,600 | 557 |
| Average equity | $202,226,200 | 533 |
| Average total loans | $1,363,881,800 | 560 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9581% | 561 |
| Cost of funding earning assets | 0.5990% | 3,973 |
| Net interest margin | 5.3591% | 209 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 2.1912% | 3,105 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 2.6906% | 220 |
| Return on assets (ROA) | 2.6906% | 219 |
| Pretax return on assets | 3.4033% | 168 |
| Return on Equity (ROE) | 27.3000% | 299 |
| Retained earnings to average equity (ytd only) | 24.0335% | 148 |
| Net charge-offs to loans | -0.0077% | 3,857 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 38.3377% | 4,402 |
| Assets per employee ($millions) | 7.9702% | 1,360 |
| Cash dividends to net income (ytd only)* | 11.9698% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7206% | 668 |
| Loan loss allowance to noncurrent loans | 1,405.5395% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 2,991 |
| Noncurrent loans to loans | 0.1224% | 2,948 |
| Net loans and leases to total assets | 71.5400% | 1,635 |
| Net loans and leases to deposits | 85.1779% | 1,640 |
| Net loans and leases to core deposits | 87.8169% | 2,063 |
| Total domestic deposits to total assets | 83.9900% | 2,778 |
| Equity capital to assets | 10.8466% | 1,410 |
| Core capital (leverage) ratio | 11.2074% | 1,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4272% | 1,741 |
| Memoranda: | ||
| Average total assets | $1,987,135,750 | 576 |
| Average earning assets | $1,849,635,000 | 560 |
| Average equity | $195,838,250 | 544 |
| Average total loans | $1,342,247,250 | 567 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7297% | 610 |
| Cost of funding earning assets | 0.4908% | 3,998 |
| Net interest margin | 5.2389% | 228 |
| Noninterest income to average assets | 0.8300% | 808 |
| Noninterest expense to average assets | 2.1171% | 3,303 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 2.7621% | 183 |
| Return on assets (ROA) | 2.7621% | 183 |
| Pretax return on assets | 3.4936% | 149 |
| Return on Equity (ROE) | 28.9700% | 238 |
| Retained earnings to average equity (ytd only) | 25.9311% | 110 |
| Net charge-offs to loans | -0.0093% | 3,891 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 37.0706% | 4,448 |
| Assets per employee ($millions) | 8.2954% | 1,190 |
| Cash dividends to net income (ytd only)* | 10.4924% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7003% | 750 |
| Loan loss allowance to noncurrent loans | 1,713.3188% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 3,076 |
| Noncurrent loans to loans | 0.0992% | 2,994 |
| Net loans and leases to total assets | 68.6500% | 1,890 |
| Net loans and leases to deposits | 77.5372% | 2,173 |
| Net loans and leases to core deposits | 80.7444% | 2,423 |
| Total domestic deposits to total assets | 88.5300% | 1,415 |
| Equity capital to assets | 10.2322% | 1,728 |
| Core capital (leverage) ratio | 10.6299% | 2,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0252% | 1,887 |
| Memoranda: | ||
| Average total assets | $2,001,271,667 | 561 |
| Average earning assets | $1,864,749,667 | 550 |
| Average equity | $190,805,667 | 545 |
| Average total loans | $1,317,775,000 | 559 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4819% | 638 |
| Cost of funding earning assets | 0.2923% | 4,216 |
| Net interest margin | 5.1896% | 225 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 2.0342% | 3,543 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.7643% | 191 |
| Return on assets (ROA) | 2.7643% | 186 |
| Pretax return on assets | 3.4965% | 144 |
| Return on Equity (ROE) | 30.0800% | 235 |
| Retained earnings to average equity (ytd only) | 27.9148% | 136 |
| Net charge-offs to loans | -0.0072% | 3,744 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 36.7621% | 4,520 |
| Assets per employee ($millions) | 8.4996% | 1,125 |
| Cash dividends to net income (ytd only)* | 7.1968% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6995% | 812 |
| Loan loss allowance to noncurrent loans | 1,356.9620% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.0845% | 2,956 |
| Noncurrent loans to loans | 0.1252% | 2,889 |
| Net loans and leases to total assets | 66.3200% | 2,028 |
| Net loans and leases to deposits | 74.7492% | 2,235 |
| Net loans and leases to core deposits | 76.9248% | 2,465 |
| Total domestic deposits to total assets | 88.7200% | 1,647 |
| Equity capital to assets | 9.8400% | 1,910 |
| Core capital (leverage) ratio | 9.9697% | 2,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5928% | 2,142 |
| Memoranda: | ||
| Average total assets | $2,010,602,500 | 574 |
| Average earning assets | $1,876,290,500 | 553 |
| Average equity | $184,776,500 | 571 |
| Average total loans | $1,284,397,000 | 585 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1047% | 1,468 |
| Cost of funding earning assets | 0.0987% | 4,397 |
| Net interest margin | 4.0060% | 781 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.0629% | 3,410 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6771% | 565 |
| Return on assets (ROA) | 1.6771% | 539 |
| Pretax return on assets | 2.1083% | 374 |
| Return on Equity (ROE) | 18.9500% | 577 |
| Retained earnings to average equity (ytd only) | 16.7592% | 188 |
| Net charge-offs to loans | -0.4821% | 4,696 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 49.4549% | 4,159 |
| Assets per employee ($millions) | 9.0652% | 899 |
| Cash dividends to net income (ytd only)* | 11.5508% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8877% | 550 |
| Loan loss allowance to noncurrent loans | 1,101.0783% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 2,811 |
| Noncurrent loans to loans | 0.1714% | 2,624 |
| Net loans and leases to total assets | 59.3200% | 2,697 |
| Net loans and leases to deposits | 65.7943% | 2,902 |
| Net loans and leases to core deposits | 67.4453% | 3,038 |
| Total domestic deposits to total assets | 90.1600% | 1,286 |
| Equity capital to assets | 8.5700% | 2,658 |
| Core capital (leverage) ratio | 9.1372% | 3,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2628% | 2,258 |
| Memoranda: | ||
| Average total assets | $1,895,560,800 | 588 |
| Average earning assets | $1,773,710,600 | 569 |
| Average equity | $167,777,000 | 615 |
| Average total loans | $1,100,734,400 | 630 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7354% | 1,943 |
| Cost of funding earning assets | 0.0839% | 4,390 |
| Net interest margin | 3.6515% | 1,263 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.0187% | 3,431 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4229% | 1,024 |
| Return on assets (ROA) | 1.4229% | 999 |
| Pretax return on assets | 1.7860% | 758 |
| Return on Equity (ROE) | 15.9400% | 992 |
| Retained earnings to average equity (ytd only) | 13.7843% | 496 |
| Net charge-offs to loans | -0.1987% | 4,643 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.0575% | 3,912 |
| Assets per employee ($millions) | 8.7358% | 987 |
| Cash dividends to net income (ytd only)* | 13.4977% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7194% | 844 |
| Loan loss allowance to noncurrent loans | 967.5477% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.1021% | 2,935 |
| Noncurrent loans to loans | 0.1777% | 2,699 |
| Net loans and leases to total assets | 56.4800% | 2,857 |
| Net loans and leases to deposits | 62.2734% | 3,001 |
| Net loans and leases to core deposits | 64.0872% | 3,107 |
| Total domestic deposits to total assets | 90.7000% | 1,364 |
| Equity capital to assets | 8.1423% | 2,804 |
| Core capital (leverage) ratio | 8.9260% | 3,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4098% | 2,306 |
| Memoranda: | ||
| Average total assets | $1,855,003,250 | 596 |
| Average earning assets | $1,735,410,500 | 576 |
| Average equity | $165,633,000 | 627 |
| Average total loans | $1,064,880,500 | 645 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4639% | 2,240 |
| Cost of funding earning assets | 0.0754% | 4,420 |
| Net interest margin | 3.3885% | 1,638 |
| Noninterest income to average assets | 0.3441% | 3,094 |
| Noninterest expense to average assets | 2.0291% | 3,355 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1839% | 1,483 |
| Return on assets (ROA) | 1.1839% | 1,460 |
| Pretax return on assets | 1.4833% | 1,219 |
| Return on Equity (ROE) | 12.8419% | 1,426 |
| Retained earnings to average equity (ytd only) | 10.8341% | 815 |
| Net charge-offs to loans | -0.1661% | 4,555 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7697% | 3,592 |
| Assets per employee ($millions) | 8.1914% | 1,203 |
| Cash dividends to net income (ytd only)* | 15.6349% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7603% | 860 |
| Loan loss allowance to noncurrent loans | 867.0310% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.1166% | 2,888 |
| Noncurrent loans to loans | 0.2030% | 2,700 |
| Net loans and leases to total assets | 56.3995% | 2,706 |
| Net loans and leases to deposits | 62.6151% | 2,842 |
| Net loans and leases to core deposits | 64.5090% | 2,925 |
| Total domestic deposits to total assets | 90.0733% | 1,681 |
| Equity capital to assets | 8.7545% | 2,566 |
| Core capital (leverage) ratio | 9.0104% | 3,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8132% | 2,147 |
| Memoranda: | ||
| Average total assets | $1,806,502,000 | 601 |
| Average earning assets | $1,689,113,667 | 594 |
| Average equity | $166,548,000 | 636 |
| Average total loans | $1,036,622,667 | 652 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2593% | 2,503 |
| Cost of funding earning assets | 0.0723% | 4,428 |
| Net interest margin | 3.1870% | 1,923 |
| Noninterest income to average assets | 0.2804% | 3,455 |
| Noninterest expense to average assets | 2.0648% | 3,260 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9565% | 2,047 |
| Return on assets (ROA) | 0.9565% | 2,043 |
| Pretax return on assets | 1.1988% | 1,820 |
| Return on Equity (ROE) | 10.1031% | 1,930 |
| Retained earnings to average equity (ytd only) | 8.3703% | 1,463 |
| Net charge-offs to loans | -0.1767% | 4,581 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2670% | 3,105 |
| Assets per employee ($millions) | 8.1596% | 1,280 |
| Cash dividends to net income (ytd only)* | 17.1516% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7942% | 890 |
| Loan loss allowance to noncurrent loans | 373.1571% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 2,046 |
| Noncurrent loans to loans | 0.4808% | 1,826 |
| Net loans and leases to total assets | 55.5356% | 2,570 |
| Net loans and leases to deposits | 61.8317% | 2,729 |
| Net loans and leases to core deposits | 63.6988% | 2,818 |
| Total domestic deposits to total assets | 89.8172% | 1,668 |
| Equity capital to assets | 8.9463% | 2,758 |
| Core capital (leverage) ratio | 9.3836% | 2,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0389% | 2,186 |
| Memoranda: | ||
| Average total assets | $1,767,745,000 | 614 |
| Average earning assets | $1,654,724,500 | 608 |
| Average equity | $167,354,000 | 649 |
| Average total loans | $1,014,126,500 | 657 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6136% | 2,343 |
| Cost of funding earning assets | 0.0691% | 4,594 |
| Net interest margin | 3.5445% | 1,619 |
| Noninterest income to average assets | 0.3711% | 3,212 |
| Noninterest expense to average assets | 2.3437% | 2,675 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0657% | 2,434 |
| Return on assets (ROA) | 1.0740% | 2,468 |
| Pretax return on assets | 1.3577% | 2,179 |
| Return on Equity (ROE) | 9.8918% | 2,562 |
| Retained earnings to average equity (ytd only) | 8.4392% | 1,374 |
| Net charge-offs to loans | 0.4136% | 199 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 4.9025% | 2,475 |
| Efficiency ratio | 63.4985% | 2,638 |
| Assets per employee ($millions) | 7.6199% | 1,543 |
| Cash dividends to net income (ytd only)* | 14.6851% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8363% | 814 |
| Loan loss allowance to noncurrent loans | 285.3555% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3749% | 1,723 |
| Noncurrent loans to loans | 0.6435% | 1,550 |
| Net loans and leases to total assets | 57.1940% | 2,453 |
| Net loans and leases to deposits | 63.9664% | 2,690 |
| Net loans and leases to core deposits | 65.2323% | 2,884 |
| Total domestic deposits to total assets | 89.4126% | 1,291 |
| Equity capital to assets | 10.0317% | 2,624 |
| Core capital (leverage) ratio | 9.8146% | 2,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1004% | 1,811 |
| Memoranda: | ||
| Average total assets | $1,518,507,400 | 677 |
| Average earning assets | $1,422,258,400 | 669 |
| Average equity | $164,873,600 | 660 |
| Average total loans | $1,009,000,600 | 651 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7028% | 2,271 |
| Cost of funding earning assets | 0.0698% | 4,694 |
| Net interest margin | 3.6330% | 1,512 |
| Noninterest income to average assets | 0.3806% | 3,208 |
| Noninterest expense to average assets | 2.3994% | 2,443 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0893% | 2,597 |
| Return on assets (ROA) | 1.1006% | 2,610 |
| Pretax return on assets | 1.3912% | 2,374 |
| Return on Equity (ROE) | 9.9192% | 2,766 |
| Retained earnings to average equity (ytd only) | 8.5368% | 1,865 |
| Net charge-offs to loans | 0.5400% | 147 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 3.7056% | 2,299 |
| Efficiency ratio | 63.5385% | 2,462 |
| Assets per employee ($millions) | 6.6793% | 2,116 |
| Cash dividends to net income (ytd only)* | 13.9369% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9008% | 768 |
| Loan loss allowance to noncurrent loans | 256.0982% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.4638% | 1,639 |
| Noncurrent loans to loans | 0.7422% | 1,509 |
| Net loans and leases to total assets | 61.2984% | 2,103 |
| Net loans and leases to deposits | 69.3440% | 2,300 |
| Net loans and leases to core deposits | 70.9136% | 2,520 |
| Total domestic deposits to total assets | 88.3976% | 1,622 |
| Equity capital to assets | 10.9268% | 2,067 |
| Core capital (leverage) ratio | 10.2380% | 2,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7799% | 1,691 |
| Memoranda: | ||
| Average total assets | $1,473,326,000 | 702 |
| Average earning assets | $1,377,077,000 | 691 |
| Average equity | $163,476,500 | 668 |
| Average total loans | $1,013,740,750 | 664 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7015% | 2,329 |
| Cost of funding earning assets | 0.0700% | 4,746 |
| Net interest margin | 3.6315% | 1,515 |
| Noninterest income to average assets | 0.3601% | 3,301 |
| Noninterest expense to average assets | 2.4249% | 2,377 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0505% | 2,719 |
| Return on assets (ROA) | 1.0558% | 2,772 |
| Pretax return on assets | 1.3347% | 2,537 |
| Return on Equity (ROE) | 9.4646% | 2,960 |
| Retained earnings to average equity (ytd only) | 7.9585% | 2,089 |
| Net charge-offs to loans | 0.0667% | 955 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 28.0320% | 1,348 |
| Efficiency ratio | 64.6154% | 2,346 |
| Assets per employee ($millions) | 6.3653% | 2,268 |
| Cash dividends to net income (ytd only)* | 15.9124% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1774% | 444 |
| Loan loss allowance to noncurrent loans | 169.6785% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.8783% | 888 |
| Noncurrent loans to loans | 1.2833% | 919 |
| Net loans and leases to total assets | 66.9566% | 1,589 |
| Net loans and leases to deposits | 75.9174% | 1,831 |
| Net loans and leases to core deposits | 77.7675% | 2,066 |
| Total domestic deposits to total assets | 88.1966% | 1,722 |
| Equity capital to assets | 11.1417% | 1,884 |
| Core capital (leverage) ratio | 10.1807% | 2,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3046% | 1,867 |
| Memoranda: | ||
| Average total assets | $1,452,353,333 | 709 |
| Average earning assets | $1,356,865,000 | 696 |
| Average equity | $162,014,667 | 667 |
| Average total loans | $1,031,674,333 | 655 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7795% | 2,158 |
| Cost of funding earning assets | 0.0707% | 4,792 |
| Net interest margin | 3.7087% | 1,316 |
| Noninterest income to average assets | 0.3627% | 3,274 |
| Noninterest expense to average assets | 2.3703% | 2,591 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1539% | 2,320 |
| Return on assets (ROA) | 1.1649% | 2,353 |
| Pretax return on assets | 1.4723% | 2,068 |
| Return on Equity (ROE) | 10.4358% | 2,553 |
| Retained earnings to average equity (ytd only) | 9.1917% | 1,892 |
| Net charge-offs to loans | 0.1470% | 524 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 13.7102% | 1,391 |
| Efficiency ratio | 61.9079% | 2,774 |
| Assets per employee ($millions) | 6.5200% | 2,161 |
| Cash dividends to net income (ytd only)* | 11.9218% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0766% | 518 |
| Loan loss allowance to noncurrent loans | 160.6699% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.9158% | 929 |
| Noncurrent loans to loans | 1.2925% | 1,003 |
| Net loans and leases to total assets | 69.3856% | 1,368 |
| Net loans and leases to deposits | 78.4232% | 1,681 |
| Net loans and leases to core deposits | 80.1754% | 1,988 |
| Total domestic deposits to total assets | 88.4759% | 1,619 |
| Equity capital to assets | 10.8430% | 1,971 |
| Core capital (leverage) ratio | 10.2614% | 2,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0399% | 2,277 |
| Memoranda: | ||
| Average total assets | $1,440,154,000 | 708 |
| Average earning assets | $1,345,904,500 | 700 |
| Average equity | $160,754,500 | 667 |
| Average total loans | $1,042,115,500 | 650 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1659% | 2,242 |
| Cost of funding earning assets | 0.0852% | 4,899 |
| Net interest margin | 4.0807% | 821 |
| Noninterest income to average assets | 0.4567% | 2,839 |
| Noninterest expense to average assets | 2.4218% | 3,084 |
| Loan and lease loss provision to assets | 0.4389% | 650 |
| Net operating income to assets | 1.1040% | 1,912 |
| Return on assets (ROA) | 1.1831% | 1,718 |
| Pretax return on assets | 1.4953% | 1,341 |
| Return on Equity (ROE) | 10.6996% | 1,745 |
| Retained earnings to average equity (ytd only) | -2.8910% | 4,759 |
| Net charge-offs to loans | 0.0467% | 2,130 |
| Credit loss provision to net charge-offs | 1,361.6228% | 615 |
| Earnings coverage of net charge-offs (x) | 56.8947% | 1,098 |
| Efficiency ratio | 56.9051% | 3,874 |
| Assets per employee ($millions) | 6.0053% | 2,331 |
| Cash dividends to net income (ytd only)* | 127.0196% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1781% | 429 |
| Loan loss allowance to noncurrent loans | 178.4101% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.9507% | 1,017 |
| Noncurrent loans to loans | 1.2208% | 1,142 |
| Net loans and leases to total assets | 72.3691% | 1,249 |
| Net loans and leases to deposits | 82.2598% | 1,638 |
| Net loans and leases to core deposits | 83.7715% | 2,058 |
| Total domestic deposits to total assets | 87.9763% | 1,481 |
| Equity capital to assets | 11.5060% | 1,879 |
| Core capital (leverage) ratio | 10.5745% | 2,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1552% | 2,184 |
| Memoranda: | ||
| Average total assets | $1,414,577,800 | 650 |
| Average earning assets | $1,316,959,600 | 643 |
| Average equity | $156,417,200 | 653 |
| Average total loans | $977,077,000 | 659 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2956% | 2,110 |
| Cost of funding earning assets | 0.0908% | 4,939 |
| Net interest margin | 4.2047% | 723 |
| Noninterest income to average assets | 0.4199% | 2,985 |
| Noninterest expense to average assets | 2.4102% | 3,101 |
| Loan and lease loss provision to assets | 0.5824% | 443 |
| Net operating income to assets | 1.0597% | 2,112 |
| Return on assets (ROA) | 1.1647% | 1,885 |
| Pretax return on assets | 1.4718% | 1,509 |
| Return on Equity (ROE) | 10.6386% | 1,804 |
| Retained earnings to average equity (ytd only) | -7.1464% | 4,889 |
| Net charge-offs to loans | -0.0076% | 4,160 |
| Credit loss provision to net charge-offs | -11,289.0909% | 4,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6434% | 3,966 |
| Assets per employee ($millions) | 5.9601% | 2,299 |
| Cash dividends to net income (ytd only)* | 167.1740% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2299% | 334 |
| Loan loss allowance to noncurrent loans | 256.7434% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.9070% | 1,270 |
| Noncurrent loans to loans | 0.8685% | 1,712 |
| Net loans and leases to total assets | 73.1265% | 1,485 |
| Net loans and leases to deposits | 83.0327% | 2,015 |
| Net loans and leases to core deposits | 84.4502% | 2,434 |
| Total domestic deposits to total assets | 88.0696% | 1,190 |
| Equity capital to assets | 11.3777% | 2,098 |
| Core capital (leverage) ratio | 9.9974% | 2,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1512% | 2,130 |
| Memoranda: | ||
| Average total assets | $1,421,416,250 | 631 |
| Average earning assets | $1,322,322,000 | 618 |
| Average equity | $155,618,000 | 645 |
| Average total loans | $964,777,500 | 655 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2859% | 2,512 |
| Cost of funding earning assets | 0.0988% | 4,972 |
| Net interest margin | 4.1871% | 954 |
| Noninterest income to average assets | 0.3875% | 3,160 |
| Noninterest expense to average assets | 2.2770% | 3,584 |
| Loan and lease loss provision to assets | 0.5853% | 554 |
| Net operating income to assets | 1.1255% | 1,887 |
| Return on assets (ROA) | 1.2294% | 1,673 |
| Pretax return on assets | 1.5530% | 1,336 |
| Return on Equity (ROE) | 11.3710% | 1,523 |
| Retained earnings to average equity (ytd only) | -14.1375% | 4,975 |
| Net charge-offs to loans | -0.0277% | 4,509 |
| Credit loss provision to net charge-offs | -3,213.7405% | 4,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1552% | 4,270 |
| Assets per employee ($millions) | 6.5176% | 1,765 |
| Cash dividends to net income (ytd only)* | 224.3298% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0679% | 392 |
| Loan loss allowance to noncurrent loans | 223.7658% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.9240% | 1,325 |
| Noncurrent loans to loans | 0.9242% | 1,670 |
| Net loans and leases to total assets | 67.9252% | 2,366 |
| Net loans and leases to deposits | 76.4238% | 2,814 |
| Net loans and leases to core deposits | 77.5695% | 3,147 |
| Total domestic deposits to total assets | 88.8797% | 794 |
| Equity capital to assets | 10.5411% | 2,717 |
| Core capital (leverage) ratio | 9.4163% | 3,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0257% | 2,172 |
| Memoranda: | ||
| Average total assets | $1,438,282,667 | 610 |
| Average earning assets | $1,338,340,000 | 596 |
| Average equity | $155,501,333 | 643 |
| Average total loans | $944,605,333 | 660 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2922% | 2,949 |
| Cost of funding earning assets | 0.1218% | 5,011 |
| Net interest margin | 4.1704% | 980 |
| Noninterest income to average assets | 0.4397% | 2,851 |
| Noninterest expense to average assets | 2.2804% | 3,817 |
| Loan and lease loss provision to assets | 0.3388% | 908 |
| Net operating income to assets | 1.3456% | 1,120 |
| Return on assets (ROA) | 1.3456% | 1,208 |
| Pretax return on assets | 1.6981% | 861 |
| Return on Equity (ROE) | 12.2888% | 1,032 |
| Retained earnings to average equity (ytd only) | -37.1223% | 5,063 |
| Net charge-offs to loans | -0.0606% | 4,690 |
| Credit loss provision to net charge-offs | -876.0870% | 3,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8201% | 4,485 |
| Assets per employee ($millions) | 6.4531% | 1,369 |
| Cash dividends to net income (ytd only)* | 402.0825% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9422% | 558 |
| Loan loss allowance to noncurrent loans | 236.3493% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.8124% | 1,664 |
| Noncurrent loans to loans | 0.8218% | 1,963 |
| Net loans and leases to total assets | 63.8206% | 3,087 |
| Net loans and leases to deposits | 71.7535% | 3,451 |
| Net loans and leases to core deposits | 73.4600% | 3,675 |
| Total domestic deposits to total assets | 88.9441% | 687 |
| Equity capital to assets | 10.6036% | 3,227 |
| Core capital (leverage) ratio | 9.4289% | 4,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3960% | 2,532 |
| Memoranda: | ||
| Average total assets | $1,427,456,000 | 597 |
| Average earning assets | $1,327,250,500 | 581 |
| Average equity | $156,305,000 | 636 |
| Average total loans | $910,605,500 | 662 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5768% | 2,692 |
| Cost of funding earning assets | 0.1053% | 5,099 |
| Net interest margin | 4.4716% | 762 |
| Noninterest income to average assets | 0.5410% | 2,529 |
| Noninterest expense to average assets | 2.2004% | 4,157 |
| Loan and lease loss provision to assets | 0.2385% | 797 |
| Net operating income to assets | 1.8024% | 518 |
| Return on assets (ROA) | 1.8024% | 548 |
| Pretax return on assets | 2.2773% | 326 |
| Return on Equity (ROE) | 16.5655% | 470 |
| Retained earnings to average equity (ytd only) | 13.9662% | 127 |
| Net charge-offs to loans | 0.2311% | 881 |
| Credit loss provision to net charge-offs | 170.7065% | 1,521 |
| Earnings coverage of net charge-offs (x) | 18.0072% | 2,081 |
| Efficiency ratio | 46.6565% | 4,892 |
| Assets per employee ($millions) | 6.4650% | 1,308 |
| Cash dividends to net income (ytd only)* | 15.6906% | 3,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8501% | 600 |
| Loan loss allowance to noncurrent loans | 196.3449% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.8229% | 1,565 |
| Noncurrent loans to loans | 0.9422% | 1,625 |
| Net loans and leases to total assets | 61.3572% | 3,466 |
| Net loans and leases to deposits | 69.3886% | 3,717 |
| Net loans and leases to core deposits | 70.4778% | 3,937 |
| Total domestic deposits to total assets | 88.4255% | 929 |
| Equity capital to assets | 11.2925% | 2,717 |
| Core capital (leverage) ratio | 10.3466% | 3,141 |
| Tier 1 risk-based capital ratio | 13.5938% | 3,463 |
| Total risk-based capital ratio | 14.8480% | 3,371 |
| Memoranda: | ||
| Average total assets | $1,387,873,800 | 588 |
| Average earning assets | $1,295,891,800 | 576 |
| Average equity | $151,007,000 | 621 |
| Average total loans | $839,165,600 | 688 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6335% | 2,620 |
| Cost of funding earning assets | 0.1029% | 5,179 |
| Net interest margin | 4.5306% | 715 |
| Noninterest income to average assets | 0.5834% | 2,290 |
| Noninterest expense to average assets | 2.2301% | 4,121 |
| Loan and lease loss provision to assets | 0.2254% | 759 |
| Net operating income to assets | 1.8668% | 542 |
| Return on assets (ROA) | 1.8668% | 564 |
| Pretax return on assets | 2.3590% | 334 |
| Return on Equity (ROE) | 17.3282% | 446 |
| Retained earnings to average equity (ytd only) | 14.8773% | 156 |
| Net charge-offs to loans | 0.3227% | 535 |
| Credit loss provision to net charge-offs | 116.5331% | 2,006 |
| Earnings coverage of net charge-offs (x) | 13.3627% | 2,302 |
| Efficiency ratio | 46.3210% | 4,922 |
| Assets per employee ($millions) | 6.5155% | 1,264 |
| Cash dividends to net income (ytd only)* | 14.1441% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8498% | 607 |
| Loan loss allowance to noncurrent loans | 133.2363% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.8465% | 1,624 |
| Noncurrent loans to loans | 1.3883% | 1,101 |
| Net loans and leases to total assets | 59.7651% | 3,698 |
| Net loans and leases to deposits | 67.7097% | 3,941 |
| Net loans and leases to core deposits | 68.1929% | 4,162 |
| Total domestic deposits to total assets | 88.2666% | 930 |
| Equity capital to assets | 11.4098% | 2,728 |
| Core capital (leverage) ratio | 10.2797% | 3,325 |
| Tier 1 risk-based capital ratio | 14.0023% | 3,331 |
| Total risk-based capital ratio | 15.2563% | 3,238 |
| Memoranda: | ||
| Average total assets | $1,376,034,750 | 593 |
| Average earning assets | $1,285,077,750 | 583 |
| Average equity | $148,240,500 | 629 |
| Average total loans | $824,653,000 | 699 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6304% | 2,580 |
| Cost of funding earning assets | 0.1035% | 5,224 |
| Net interest margin | 4.5269% | 723 |
| Noninterest income to average assets | 0.6213% | 2,058 |
| Noninterest expense to average assets | 2.1937% | 4,237 |
| Loan and lease loss provision to assets | 0.3167% | 426 |
| Net operating income to assets | 1.8513% | 537 |
| Return on assets (ROA) | 1.8513% | 561 |
| Pretax return on assets | 2.3374% | 326 |
| Return on Equity (ROE) | 17.5317% | 405 |
| Retained earnings to average equity (ytd only) | 15.3955% | 151 |
| Net charge-offs to loans | 0.5117% | 305 |
| Credit loss provision to net charge-offs | 103.8168% | 1,913 |
| Earnings coverage of net charge-offs (x) | 8.7009% | 2,391 |
| Efficiency ratio | 45.2523% | 5,016 |
| Assets per employee ($millions) | 6.4637% | 1,256 |
| Cash dividends to net income (ytd only)* | 12.1846% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8811% | 584 |
| Loan loss allowance to noncurrent loans | 130.7817% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.8601% | 1,631 |
| Noncurrent loans to loans | 1.4384% | 1,073 |
| Net loans and leases to total assets | 57.9948% | 3,915 |
| Net loans and leases to deposits | 65.3789% | 4,136 |
| Net loans and leases to core deposits | 65.7414% | 4,330 |
| Total domestic deposits to total assets | 88.7057% | 785 |
| Equity capital to assets | 11.0309% | 3,014 |
| Core capital (leverage) ratio | 9.9985% | 3,584 |
| Tier 1 risk-based capital ratio | 14.1455% | 3,243 |
| Total risk-based capital ratio | 15.4001% | 3,160 |
| Memoranda: | ||
| Average total assets | $1,374,284,670 | 595 |
| Average earning assets | $1,283,095,670 | 580 |
| Average equity | $145,120,000 | 639 |
| Average total loans | $819,176,000 | 701 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6066% | 2,508 |
| Cost of funding earning assets | 0.1023% | 5,278 |
| Net interest margin | 4.5043% | 735 |
| Noninterest income to average assets | 0.5949% | 2,069 |
| Noninterest expense to average assets | 2.1695% | 4,334 |
| Loan and lease loss provision to assets | 0.1055% | 1,684 |
| Net operating income to assets | 2.0026% | 383 |
| Return on assets (ROA) | 2.0026% | 400 |
| Pretax return on assets | 2.5278% | 231 |
| Return on Equity (ROE) | 19.3981% | 300 |
| Retained earnings to average equity (ytd only) | 17.2111% | 176 |
| Net charge-offs to loans | 0.1591% | 841 |
| Credit loss provision to net charge-offs | 110.7034% | 1,491 |
| Earnings coverage of net charge-offs (x) | 27.6422% | 1,377 |
| Efficiency ratio | 45.1717% | 5,062 |
| Assets per employee ($millions) | 6.7035% | 1,139 |
| Cash dividends to net income (ytd only)* | 11.2744% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8600% | 630 |
| Loan loss allowance to noncurrent loans | 180.0637% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.6289% | 2,200 |
| Noncurrent loans to loans | 1.0330% | 1,618 |
| Net loans and leases to total assets | 57.7600% | 3,916 |
| Net loans and leases to deposits | 64.7539% | 4,138 |
| Net loans and leases to core deposits | 65.4526% | 4,301 |
| Total domestic deposits to total assets | 89.1993% | 766 |
| Equity capital to assets | 10.4362% | 3,389 |
| Core capital (leverage) ratio | 9.7541% | 3,864 |
| Tier 1 risk-based capital ratio | 13.4110% | 3,658 |
| Total risk-based capital ratio | 14.6651% | 3,558 |
| Memoranda: | ||
| Average total assets | $1,373,046,500 | 599 |
| Average earning assets | $1,282,692,500 | 585 |
| Average equity | $141,745,500 | 648 |
| Average total loans | $821,885,000 | 700 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4500% | 2,607 |
| Cost of funding earning assets | 0.0756% | 5,337 |
| Net interest margin | 4.3744% | 995 |
| Noninterest income to average assets | 0.5104% | 2,776 |
| Noninterest expense to average assets | 2.1039% | 4,556 |
| Loan and lease loss provision to assets | 0.8055% | 123 |
| Net operating income to assets | 1.3362% | 1,666 |
| Return on assets (ROA) | 1.3356% | 1,653 |
| Pretax return on assets | 1.6825% | 1,209 |
| Return on Equity (ROE) | 13.0962% | 1,305 |
| Retained earnings to average equity (ytd only) | 10.9257% | 455 |
| Net charge-offs to loans | 1.2477% | 95 |
| Credit loss provision to net charge-offs | 101.4107% | 2,481 |
| Earnings coverage of net charge-offs (x) | 3.1331% | 3,445 |
| Efficiency ratio | 45.8104% | 5,125 |
| Assets per employee ($millions) | 6.6919% | 1,120 |
| Cash dividends to net income (ytd only)* | 16.5738% | 3,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8500% | 623 |
| Loan loss allowance to noncurrent loans | 171.7185% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.6814% | 2,022 |
| Noncurrent loans to loans | 1.0773% | 1,513 |
| Net loans and leases to total assets | 59.7673% | 3,804 |
| Net loans and leases to deposits | 66.7596% | 4,058 |
| Net loans and leases to core deposits | 67.0601% | 4,295 |
| Total domestic deposits to total assets | 89.5262% | 646 |
| Equity capital to assets | 10.2072% | 3,463 |
| Core capital (leverage) ratio | 9.4762% | 4,141 |
| Tier 1 risk-based capital ratio | 12.7733% | 3,978 |
| Total risk-based capital ratio | 14.0273% | 3,856 |
| Memoranda: | ||
| Average total assets | $1,276,158,800 | 616 |
| Average earning assets | $1,190,900,400 | 601 |
| Average equity | $130,152,400 | 668 |
| Average total loans | $812,480,000 | 690 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3129% | 2,918 |
| Cost of funding earning assets | 0.0697% | 5,409 |
| Net interest margin | 4.2432% | 1,251 |
| Noninterest income to average assets | 0.5043% | 2,846 |
| Noninterest expense to average assets | 2.0934% | 4,570 |
| Loan and lease loss provision to assets | 0.9900% | 85 |
| Net operating income to assets | 1.1014% | 2,661 |
| Return on assets (ROA) | 1.1007% | 2,680 |
| Pretax return on assets | 1.3824% | 2,293 |
| Return on Equity (ROE) | 10.7946% | 2,262 |
| Retained earnings to average equity (ytd only) | 8.6625% | 1,358 |
| Net charge-offs to loans | 1.5904% | 75 |
| Credit loss provision to net charge-offs | 96.6356% | 2,343 |
| Earnings coverage of net charge-offs (x) | 2.3168% | 3,250 |
| Efficiency ratio | 46.8661% | 5,111 |
| Assets per employee ($millions) | 6.2208% | 1,335 |
| Cash dividends to net income (ytd only)* | 19.7515% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8015% | 722 |
| Loan loss allowance to noncurrent loans | 130.4951% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.8826% | 1,670 |
| Noncurrent loans to loans | 1.3805% | 1,207 |
| Net loans and leases to total assets | 62.7779% | 3,568 |
| Net loans and leases to deposits | 70.1251% | 3,912 |
| Net loans and leases to core deposits | 70.4955% | 4,159 |
| Total domestic deposits to total assets | 89.5228% | 667 |
| Equity capital to assets | 10.2399% | 3,409 |
| Core capital (leverage) ratio | 9.5942% | 4,067 |
| Tier 1 risk-based capital ratio | 12.4127% | 4,245 |
| Total risk-based capital ratio | 13.6664% | 4,134 |
| Memoranda: | ||
| Average total assets | $1,257,256,750 | 625 |
| Average earning assets | $1,174,087,000 | 609 |
| Average equity | $128,196,250 | 669 |
| Average total loans | $809,814,250 | 690 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2195% | 3,053 |
| Cost of funding earning assets | 0.0605% | 5,475 |
| Net interest margin | 4.1590% | 1,382 |
| Noninterest income to average assets | 0.4728% | 3,018 |
| Noninterest expense to average assets | 2.0863% | 4,637 |
| Loan and lease loss provision to assets | 0.8526% | 101 |
| Net operating income to assets | 1.1283% | 2,482 |
| Return on assets (ROA) | 1.1283% | 2,488 |
| Pretax return on assets | 1.4172% | 2,092 |
| Return on Equity (ROE) | 11.0813% | 2,076 |
| Retained earnings to average equity (ytd only) | 8.7225% | 1,311 |
| Net charge-offs to loans | 1.1167% | 116 |
| Credit loss provision to net charge-offs | 118.2282% | 1,812 |
| Earnings coverage of net charge-offs (x) | 3.1476% | 2,907 |
| Efficiency ratio | 47.8940% | 5,125 |
| Assets per employee ($millions) | 6.3179% | 1,260 |
| Cash dividends to net income (ytd only)* | 21.2857% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9390% | 583 |
| Loan loss allowance to noncurrent loans | 94.5829% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 1.3512% | 1,037 |
| Noncurrent loans to loans | 2.0500% | 719 |
| Net loans and leases to total assets | 64.6318% | 3,326 |
| Net loans and leases to deposits | 72.2308% | 3,693 |
| Net loans and leases to core deposits | 72.9201% | 3,950 |
| Total domestic deposits to total assets | 89.4796% | 745 |
| Equity capital to assets | 10.3605% | 3,268 |
| Core capital (leverage) ratio | 9.7313% | 3,853 |
| Tier 1 risk-based capital ratio | 12.3117% | 4,301 |
| Total risk-based capital ratio | 13.5671% | 4,181 |
| Memoranda: | ||
| Average total assets | $1,249,184,000 | 630 |
| Average earning assets | $1,166,385,670 | 616 |
| Average equity | $127,187,670 | 673 |
| Average total loans | $806,671,670 | 686 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0726% | 3,330 |
| Cost of funding earning assets | 0.0592% | 5,543 |
| Net interest margin | 4.0134% | 1,687 |
| Noninterest income to average assets | 0.4398% | 3,183 |
| Noninterest expense to average assets | 2.0462% | 4,764 |
| Loan and lease loss provision to assets | 0.0623% | 2,530 |
| Net operating income to assets | 1.6521% | 762 |
| Return on assets (ROA) | 1.6521% | 766 |
| Pretax return on assets | 2.0795% | 489 |
| Return on Equity (ROE) | 16.3696% | 569 |
| Retained earnings to average equity (ytd only) | 13.9945% | 409 |
| Net charge-offs to loans | 0.0085% | 2,429 |
| Credit loss provision to net charge-offs | 1,147.0588% | 310 |
| Earnings coverage of net charge-offs (x) | 394.1765% | 173 |
| Efficiency ratio | 48.8590% | 5,150 |
| Assets per employee ($millions) | 6.6247% | 1,136 |
| Cash dividends to net income (ytd only)* | 14.5096% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9054% | 650 |
| Loan loss allowance to noncurrent loans | 105.4661% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.1202% | 1,383 |
| Noncurrent loans to loans | 1.8067% | 925 |
| Net loans and leases to total assets | 60.8228% | 3,666 |
| Net loans and leases to deposits | 67.7221% | 3,964 |
| Net loans and leases to core deposits | 68.2949% | 4,201 |
| Total domestic deposits to total assets | 89.8123% | 731 |
| Equity capital to assets | 9.9263% | 3,670 |
| Core capital (leverage) ratio | 9.6083% | 3,953 |
| Tier 1 risk-based capital ratio | 12.6281% | 4,155 |
| Total risk-based capital ratio | 13.8834% | 4,058 |
| Memoranda: | ||
| Average total assets | $1,251,465,500 | 634 |
| Average earning assets | $1,168,783,000 | 618 |
| Average equity | $126,307,000 | 679 |
| Average total loans | $799,844,000 | 690 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1379% | 2,921 |
| Cost of funding earning assets | 0.0622% | 5,592 |
| Net interest margin | 4.0757% | 1,518 |
| Noninterest income to average assets | 0.4429% | 3,352 |
| Noninterest expense to average assets | 2.2335% | 4,468 |
| Loan and lease loss provision to assets | 0.1266% | 1,805 |
| Net operating income to assets | 1.1765% | 1,592 |
| Return on assets (ROA) | 1.1696% | 1,644 |
| Pretax return on assets | 1.8391% | 714 |
| Return on Equity (ROE) | 10.8413% | 1,541 |
| Retained earnings to average equity (ytd only) | 9.4349% | 432 |
| Net charge-offs to loans | 0.1888% | 1,342 |
| Credit loss provision to net charge-offs | 96.2810% | 2,679 |
| Earnings coverage of net charge-offs (x) | 15.0275% | 2,275 |
| Efficiency ratio | 53.0520% | 5,029 |
| Assets per employee ($millions) | 6.2108% | 1,376 |
| Cash dividends to net income (ytd only)* | 12.9724% | 3,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8886% | 663 |
| Loan loss allowance to noncurrent loans | 103.3221% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 1.2054% | 1,225 |
| Noncurrent loans to loans | 1.8278% | 874 |
| Net loans and leases to total assets | 64.7027% | 3,269 |
| Net loans and leases to deposits | 72.2861% | 3,675 |
| Net loans and leases to core deposits | 72.6475% | 3,998 |
| Total domestic deposits to total assets | 89.5092% | 769 |
| Equity capital to assets | 10.2703% | 3,414 |
| Core capital (leverage) ratio | 9.7499% | 3,744 |
| Tier 1 risk-based capital ratio | 12.1972% | 4,397 |
| Total risk-based capital ratio | 13.4522% | 4,289 |
| Memoranda: | ||
| Average total assets | $1,103,964,800 | 672 |
| Average earning assets | $1,020,399,800 | 667 |
| Average equity | $119,100,400 | 692 |
| Average total loans | $769,032,400 | 683 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1155% | 2,937 |
| Cost of funding earning assets | 0.0658% | 5,645 |
| Net interest margin | 4.0496% | 1,544 |
| Noninterest income to average assets | 0.4453% | 3,366 |
| Noninterest expense to average assets | 2.2394% | 4,448 |
| Loan and lease loss provision to assets | 0.1730% | 1,162 |
| Net operating income to assets | 1.1813% | 1,770 |
| Return on assets (ROA) | 1.1813% | 1,816 |
| Pretax return on assets | 1.7710% | 956 |
| Return on Equity (ROE) | 10.8041% | 1,775 |
| Retained earnings to average equity (ytd only) | 9.7853% | 632 |
| Net charge-offs to loans | 0.1008% | 1,778 |
| Credit loss provision to net charge-offs | 242.7083% | 1,158 |
| Earnings coverage of net charge-offs (x) | 27.2674% | 1,643 |
| Efficiency ratio | 53.5298% | 4,966 |
| Assets per employee ($millions) | 5.7837% | 1,662 |
| Cash dividends to net income (ytd only)* | 9.4300% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0003% | 568 |
| Loan loss allowance to noncurrent loans | 77.6815% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 1.8261% | 748 |
| Noncurrent loans to loans | 2.5750% | 572 |
| Net loans and leases to total assets | 68.9851% | 2,697 |
| Net loans and leases to deposits | 77.4899% | 3,224 |
| Net loans and leases to core deposits | 77.9394% | 3,636 |
| Total domestic deposits to total assets | 89.0247% | 873 |
| Equity capital to assets | 10.7845% | 3,083 |
| Core capital (leverage) ratio | 9.9003% | 3,697 |
| Tier 1 risk-based capital ratio | 11.9870% | 4,633 |
| Total risk-based capital ratio | 13.2433% | 4,508 |
| Memoranda: | ||
| Average total assets | $1,077,179,250 | 692 |
| Average earning assets | $994,303,250 | 690 |
| Average equity | $117,779,500 | 700 |
| Average total loans | $761,614,750 | 690 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0171% | 3,151 |
| Cost of funding earning assets | 0.1129% | 5,545 |
| Net interest margin | 3.9042% | 1,914 |
| Noninterest income to average assets | 0.4601% | 3,287 |
| Noninterest expense to average assets | 2.2795% | 4,407 |
| Loan and lease loss provision to assets | 0.1096% | 1,861 |
| Net operating income to assets | 1.1117% | 1,920 |
| Return on assets (ROA) | 1.1117% | 1,970 |
| Pretax return on assets | 1.6646% | 1,143 |
| Return on Equity (ROE) | 10.1180% | 1,979 |
| Retained earnings to average equity (ytd only) | 9.2580% | 771 |
| Net charge-offs to loans | 0.1305% | 1,374 |
| Credit loss provision to net charge-offs | 118.6094% | 1,793 |
| Earnings coverage of net charge-offs (x) | 19.2004% | 1,848 |
| Efficiency ratio | 56.2325% | 4,804 |
| Assets per employee ($millions) | 5.5358% | 1,840 |
| Cash dividends to net income (ytd only)* | 8.4991% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0000% | 601 |
| Loan loss allowance to noncurrent loans | 73.9249% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.9171% | 690 |
| Noncurrent loans to loans | 2.7054% | 521 |
| Net loans and leases to total assets | 68.4315% | 2,747 |
| Net loans and leases to deposits | 76.9622% | 3,221 |
| Net loans and leases to core deposits | 78.0439% | 3,597 |
| Total domestic deposits to total assets | 88.9157% | 998 |
| Equity capital to assets | 10.9189% | 2,905 |
| Core capital (leverage) ratio | 9.9992% | 3,540 |
| Tier 1 risk-based capital ratio | 11.9897% | 4,637 |
| Total risk-based capital ratio | 13.2457% | 4,523 |
| Memoranda: | ||
| Average total assets | $1,058,373,000 | 705 |
| Average earning assets | $974,173,330 | 705 |
| Average equity | $116,288,330 | 710 |
| Average total loans | $749,494,330 | 706 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9750% | 3,125 |
| Cost of funding earning assets | 0.1123% | 5,604 |
| Net interest margin | 3.8627% | 1,910 |
| Noninterest income to average assets | 0.4256% | 3,472 |
| Noninterest expense to average assets | 2.2623% | 4,500 |
| Loan and lease loss provision to assets | 0.0138% | 3,385 |
| Net operating income to assets | 1.1364% | 1,724 |
| Return on assets (ROA) | 1.1364% | 1,761 |
| Pretax return on assets | 1.7016% | 1,001 |
| Return on Equity (ROE) | 10.3086% | 1,823 |
| Retained earnings to average equity (ytd only) | 8.9160% | 1,110 |
| Net charge-offs to loans | 0.0194% | 2,403 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 124.1667% | 443 |
| Efficiency ratio | 56.8741% | 4,849 |
| Assets per employee ($millions) | 5.4682% | 1,921 |
| Cash dividends to net income (ytd only)* | 13.5089% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0286% | 636 |
| Loan loss allowance to noncurrent loans | 66.4618% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 2.3276% | 521 |
| Noncurrent loans to loans | 3.0523% | 447 |
| Net loans and leases to total assets | 68.9248% | 2,546 |
| Net loans and leases to deposits | 77.5151% | 3,029 |
| Net loans and leases to core deposits | 79.5144% | 3,336 |
| Total domestic deposits to total assets | 88.9180% | 1,183 |
| Equity capital to assets | 10.9536% | 2,684 |
| Core capital (leverage) ratio | 10.1738% | 3,277 |
| Tier 1 risk-based capital ratio | 11.7902% | 4,855 |
| Total risk-based capital ratio | 13.0462% | 4,762 |
| Memoranda: | ||
| Average total assets | $1,042,282,500 | 720 |
| Average earning assets | $958,492,000 | 718 |
| Average equity | $114,894,500 | 718 |
| Average total loans | $743,485,500 | 709 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9032% | 3,560 |
| Cost of funding earning assets | 0.1129% | 5,641 |
| Net interest margin | 3.7904% | 2,350 |
| Noninterest income to average assets | 0.3932% | 3,944 |
| Noninterest expense to average assets | 2.2279% | 4,705 |
| Loan and lease loss provision to assets | 1.9905% | 41 |
| Net operating income to assets | -0.1654% | 5,705 |
| Return on assets (ROA) | -0.1333% | 5,707 |
| Pretax return on assets | -0.2699% | 5,733 |
| Return on Equity (ROE) | -1.2161% | 5,717 |
| Retained earnings to average equity (ytd only) | -3.1584% | 5,592 |
| Net charge-offs to loans | 2.2540% | 62 |
| Credit loss provision to net charge-offs | 126.1123% | 2,120 |
| Earnings coverage of net charge-offs (x) | 1.0583% | 4,048 |
| Efficiency ratio | 57.1513% | 4,938 |
| Assets per employee ($millions) | 5.2499% | 2,116 |
| Cash dividends to net income (ytd only)* | -159.7272% | 5,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0441% | 603 |
| Loan loss allowance to noncurrent loans | 65.2136% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 2.4545% | 492 |
| Noncurrent loans to loans | 3.1345% | 419 |
| Net loans and leases to total assets | 70.8695% | 2,354 |
| Net loans and leases to deposits | 79.7978% | 2,906 |
| Net loans and leases to core deposits | 82.1859% | 3,197 |
| Total domestic deposits to total assets | 88.8114% | 1,202 |
| Equity capital to assets | 11.0957% | 2,545 |
| Core capital (leverage) ratio | 10.0998% | 3,369 |
| Tier 1 risk-based capital ratio | 11.5709% | 5,007 |
| Total risk-based capital ratio | 12.8271% | 4,910 |
| Memoranda: | ||
| Average total assets | $1,045,274,600 | 689 |
| Average earning assets | $966,611,000 | 682 |
| Average equity | $114,551,000 | 702 |
| Average total loans | $731,947,200 | 686 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8799% | 3,656 |
| Cost of funding earning assets | 0.1145% | 5,701 |
| Net interest margin | 3.7654% | 2,469 |
| Noninterest income to average assets | 0.3877% | 4,008 |
| Noninterest expense to average assets | 2.2213% | 4,714 |
| Loan and lease loss provision to assets | 2.4238% | 28 |
| Net operating income to assets | -0.4620% | 5,850 |
| Return on assets (ROA) | -0.4194% | 5,852 |
| Pretax return on assets | -0.7034% | 5,879 |
| Return on Equity (ROE) | -3.8388% | 5,846 |
| Retained earnings to average equity (ytd only) | -5.5520% | 5,750 |
| Net charge-offs to loans | 2.7029% | 43 |
| Credit loss provision to net charge-offs | 129.1064% | 1,983 |
| Earnings coverage of net charge-offs (x) | 0.8809% | 3,752 |
| Efficiency ratio | 57.3225% | 4,917 |
| Assets per employee ($millions) | 5.2166% | 2,130 |
| Cash dividends to net income (ytd only)* | -44.6294% | 5,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0273% | 691 |
| Loan loss allowance to noncurrent loans | 97.1319% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.5824% | 1,106 |
| Noncurrent loans to loans | 2.0872% | 922 |
| Net loans and leases to total assets | 73.4227% | 1,963 |
| Net loans and leases to deposits | 82.9214% | 2,615 |
| Net loans and leases to core deposits | 86.3627% | 2,920 |
| Total domestic deposits to total assets | 88.5449% | 1,134 |
| Equity capital to assets | 11.3050% | 2,700 |
| Core capital (leverage) ratio | 9.8606% | 3,741 |
| Tier 1 risk-based capital ratio | 11.1143% | 5,305 |
| Total risk-based capital ratio | 12.3699% | 5,214 |
| Memoranda: | ||
| Average total assets | $1,050,660,250 | 687 |
| Average earning assets | $973,084,250 | 683 |
| Average equity | $114,791,250 | 701 |
| Average total loans | $729,770,500 | 684 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7897% | 3,989 |
| Cost of funding earning assets | 0.1157% | 5,777 |
| Net interest margin | 3.6739% | 2,803 |
| Noninterest income to average assets | 0.3670% | 4,128 |
| Noninterest expense to average assets | 2.2911% | 4,633 |
| Loan and lease loss provision to assets | 3.0398% | 19 |
| Net operating income to assets | -0.9746% | 5,977 |
| Return on assets (ROA) | -0.9740% | 5,979 |
| Pretax return on assets | -1.5530% | 5,996 |
| Return on Equity (ROE) | -9.0124% | 5,972 |
| Retained earnings to average equity (ytd only) | -10.9170% | 5,893 |
| Net charge-offs to loans | 3.4588% | 38 |
| Credit loss provision to net charge-offs | 129.7133% | 1,773 |
| Earnings coverage of net charge-offs (x) | 0.6340% | 3,503 |
| Efficiency ratio | 60.6600% | 4,554 |
| Assets per employee ($millions) | 5.4465% | 1,849 |
| Cash dividends to net income (ytd only)* | -21.1335% | 6,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0086% | 721 |
| Loan loss allowance to noncurrent loans | 72.0004% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 1.9501% | 847 |
| Noncurrent loans to loans | 2.7896% | 568 |
| Net loans and leases to total assets | 67.8905% | 2,793 |
| Net loans and leases to deposits | 76.1716% | 3,364 |
| Net loans and leases to core deposits | 82.2669% | 3,243 |
| Total domestic deposits to total assets | 89.1284% | 862 |
| Equity capital to assets | 10.6694% | 3,442 |
| Core capital (leverage) ratio | 9.3959% | 4,341 |
| Tier 1 risk-based capital ratio | 11.0199% | 5,414 |
| Total risk-based capital ratio | 12.2749% | 5,328 |
| Memoranda: | ||
| Average total assets | $1,068,753,670 | 674 |
| Average earning assets | $991,961,330 | 666 |
| Average equity | $115,508,000 | 689 |
| Average total loans | $724,125,000 | 692 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7144% | 4,270 |
| Cost of funding earning assets | 0.1087% | 5,877 |
| Net interest margin | 3.6057% | 3,060 |
| Noninterest income to average assets | 0.3444% | 4,267 |
| Noninterest expense to average assets | 2.3116% | 4,627 |
| Loan and lease loss provision to assets | 1.3023% | 72 |
| Net operating income to assets | 0.0878% | 5,701 |
| Return on assets (ROA) | 0.0878% | 5,746 |
| Pretax return on assets | 0.0829% | 5,756 |
| Return on Equity (ROE) | 0.8070% | 5,723 |
| Retained earnings to average equity (ytd only) | -1.5765% | 5,344 |
| Net charge-offs to loans | 0.8139% | 252 |
| Credit loss provision to net charge-offs | 238.7644% | 971 |
| Earnings coverage of net charge-offs (x) | 2.5397% | 2,669 |
| Efficiency ratio | 62.5300% | 4,365 |
| Assets per employee ($millions) | 5.5697% | 1,769 |
| Cash dividends to net income (ytd only)* | 295.3586% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7756% | 1,200 |
| Loan loss allowance to noncurrent loans | 55.9345% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 2.1946% | 753 |
| Noncurrent loans to loans | 3.1745% | 485 |
| Net loans and leases to total assets | 65.9152% | 2,967 |
| Net loans and leases to deposits | 74.0013% | 3,436 |
| Net loans and leases to core deposits | 80.7346% | 3,263 |
| Total domestic deposits to total assets | 89.0731% | 1,063 |
| Equity capital to assets | 10.8627% | 3,095 |
| Core capital (leverage) ratio | 9.7167% | 3,889 |
| Tier 1 risk-based capital ratio | 11.4914% | 5,239 |
| Total risk-based capital ratio | 12.7438% | 5,142 |
| Memoranda: | ||
| Average total assets | $1,080,268,000 | 666 |
| Average earning assets | $1,004,402,500 | 656 |
| Average equity | $117,475,500 | 683 |
| Average total loans | $723,937,500 | 689 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5327% | 4,836 |
| Cost of funding earning assets | 0.0894% | 6,004 |
| Net interest margin | 3.4433% | 3,745 |
| Noninterest income to average assets | 0.3796% | 4,185 |
| Noninterest expense to average assets | 2.0624% | 5,327 |
| Loan and lease loss provision to assets | 0.4523% | 268 |
| Net operating income to assets | 0.7396% | 3,621 |
| Return on assets (ROA) | 0.7396% | 3,720 |
| Pretax return on assets | 1.0978% | 3,076 |
| Return on Equity (ROE) | 8.0467% | 2,938 |
| Retained earnings to average equity (ytd only) | 6.5955% | 1,495 |
| Net charge-offs to loans | 0.3563% | 832 |
| Credit loss provision to net charge-offs | 210.9498% | 1,339 |
| Earnings coverage of net charge-offs (x) | 7.2298% | 3,103 |
| Efficiency ratio | 57.0919% | 5,249 |
| Assets per employee ($millions) | 5.5386% | 1,756 |
| Cash dividends to net income (ytd only)* | 18.0353% | 3,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4985% | 2,018 |
| Loan loss allowance to noncurrent loans | 81.1493% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 1.2358% | 1,738 |
| Noncurrent loans to loans | 1.8466% | 1,168 |
| Net loans and leases to total assets | 65.9195% | 2,992 |
| Net loans and leases to deposits | 74.1394% | 3,476 |
| Net loans and leases to core deposits | 78.7850% | 3,468 |
| Total domestic deposits to total assets | 88.9130% | 1,163 |
| Equity capital to assets | 10.8867% | 2,951 |
| Core capital (leverage) ratio | 9.7543% | 3,829 |
| Tier 1 risk-based capital ratio | 11.6419% | 5,165 |
| Total risk-based capital ratio | 12.8751% | 5,087 |
| Memoranda: | ||
| Average total assets | $1,124,554,600 | 624 |
| Average earning assets | $1,055,831,600 | 611 |
| Average equity | $103,358,800 | 747 |
| Average total loans | $676,588,400 | 696 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4935% | 4,995 |
| Cost of funding earning assets | 0.0885% | 6,092 |
| Net interest margin | 3.4050% | 3,931 |
| Noninterest income to average assets | 0.3656% | 4,315 |
| Noninterest expense to average assets | 2.0222% | 5,436 |
| Loan and lease loss provision to assets | 0.3995% | 302 |
| Net operating income to assets | 0.7611% | 3,628 |
| Return on assets (ROA) | 0.7611% | 3,723 |
| Pretax return on assets | 1.1502% | 3,018 |
| Return on Equity (ROE) | 8.6608% | 2,752 |
| Retained earnings to average equity (ytd only) | 7.1912% | 1,605 |
| Net charge-offs to loans | 0.4405% | 575 |
| Credit loss provision to net charge-offs | 154.8930% | 1,640 |
| Earnings coverage of net charge-offs (x) | 6.0082% | 3,118 |
| Efficiency ratio | 56.6146% | 5,267 |
| Assets per employee ($millions) | 5.4460% | 1,831 |
| Cash dividends to net income (ytd only)* | 16.9675% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3838% | 2,683 |
| Loan loss allowance to noncurrent loans | 141.8270% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.6122% | 3,436 |
| Noncurrent loans to loans | 0.9757% | 2,540 |
| Net loans and leases to total assets | 61.8725% | 3,628 |
| Net loans and leases to deposits | 68.5584% | 4,137 |
| Net loans and leases to core deposits | 74.1521% | 4,003 |
| Total domestic deposits to total assets | 90.2478% | 487 |
| Equity capital to assets | 9.5115% | 4,737 |
| Core capital (leverage) ratio | 8.0980% | 5,845 |
| Tier 1 risk-based capital ratio | 10.4103% | 5,914 |
| Total risk-based capital ratio | 11.5331% | 5,893 |
| Memoranda: | ||
| Average total assets | $1,135,688,750 | 627 |
| Average earning assets | $1,069,430,000 | 603 |
| Average equity | $99,804,000 | 775 |
| Average total loans | $665,042,000 | 712 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4328% | 5,155 |
| Cost of funding earning assets | 0.0867% | 6,176 |
| Net interest margin | 3.3461% | 4,118 |
| Noninterest income to average assets | 0.3273% | 4,603 |
| Noninterest expense to average assets | 1.9832% | 5,556 |
| Loan and lease loss provision to assets | 0.3213% | 442 |
| Net operating income to assets | 0.7781% | 3,497 |
| Return on assets (ROA) | 0.7781% | 3,601 |
| Pretax return on assets | 1.1765% | 2,875 |
| Return on Equity (ROE) | 9.0874% | 2,487 |
| Retained earnings to average equity (ytd only) | 7.4694% | 1,494 |
| Net charge-offs to loans | 0.6146% | 379 |
| Credit loss provision to net charge-offs | 91.2894% | 2,184 |
| Earnings coverage of net charge-offs (x) | 4.2559% | 3,072 |
| Efficiency ratio | 56.9730% | 5,339 |
| Assets per employee ($millions) | 5.6798% | 1,588 |
| Cash dividends to net income (ytd only)* | 17.8055% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1766% | 3,931 |
| Loan loss allowance to noncurrent loans | 175.5556% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.4021% | 4,296 |
| Noncurrent loans to loans | 0.6702% | 3,471 |
| Net loans and leases to total assets | 59.2895% | 3,933 |
| Net loans and leases to deposits | 65.2414% | 4,410 |
| Net loans and leases to core deposits | 72.4920% | 4,089 |
| Total domestic deposits to total assets | 90.8770% | 330 |
| Equity capital to assets | 8.9047% | 5,337 |
| Core capital (leverage) ratio | 7.7296% | 6,030 |
| Tier 1 risk-based capital ratio | 10.2775% | 6,004 |
| Total risk-based capital ratio | 11.2465% | 6,044 |
| Memoranda: | ||
| Average total assets | $1,154,813,330 | 613 |
| Average earning assets | $1,088,367,330 | 592 |
| Average equity | $98,884,000 | 782 |
| Average total loans | $661,208,670 | 710 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3922% | 5,219 |
| Cost of funding earning assets | 0.0819% | 6,260 |
| Net interest margin | 3.3103% | 4,171 |
| Noninterest income to average assets | 0.3112% | 4,701 |
| Noninterest expense to average assets | 1.9443% | 5,678 |
| Loan and lease loss provision to assets | 0.2464% | 677 |
| Net operating income to assets | 0.8154% | 3,183 |
| Return on assets (ROA) | 0.8154% | 3,310 |
| Pretax return on assets | 1.2369% | 2,522 |
| Return on Equity (ROE) | 9.7101% | 2,129 |
| Retained earnings to average equity (ytd only) | 8.0774% | 1,541 |
| Net charge-offs to loans | 1.0871% | 214 |
| Credit loss provision to net charge-offs | 40.5299% | 2,182 |
| Earnings coverage of net charge-offs (x) | 2.4397% | 2,754 |
| Efficiency ratio | 56.7243% | 5,464 |
| Assets per employee ($millions) | 5.8849% | 1,480 |
| Cash dividends to net income (ytd only)* | 16.8138% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 4,524 |
| Loan loss allowance to noncurrent loans | 136.7154% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.4413% | 4,272 |
| Noncurrent loans to loans | 0.8047% | 3,233 |
| Net loans and leases to total assets | 54.2398% | 4,415 |
| Net loans and leases to deposits | 59.3092% | 4,798 |
| Net loans and leases to core deposits | 67.3876% | 4,393 |
| Total domestic deposits to total assets | 91.4526% | 240 |
| Equity capital to assets | 8.4412% | 5,780 |
| Core capital (leverage) ratio | 7.3909% | 6,176 |
| Tier 1 risk-based capital ratio | 10.3514% | 6,060 |
| Total risk-based capital ratio | 11.2420% | 6,122 |
| Memoranda: | ||
| Average total assets | $1,167,076,500 | 606 |
| Average earning assets | $1,098,764,000 | 582 |
| Average equity | $98,001,500 | 791 |
| Average total loans | $652,753,000 | 717 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7065% | 4,762 |
| Cost of funding earning assets | 0.0798% | 6,369 |
| Net interest margin | 3.6266% | 3,305 |
| Noninterest income to average assets | 0.3201% | 4,830 |
| Noninterest expense to average assets | 1.9867% | 5,792 |
| Loan and lease loss provision to assets | 0.1614% | 1,629 |
| Net operating income to assets | 1.0435% | 2,199 |
| Return on assets (ROA) | 1.0435% | 2,268 |
| Pretax return on assets | 1.5918% | 1,260 |
| Return on Equity (ROE) | 12.5238% | 1,260 |
| Retained earnings to average equity (ytd only) | 5.6026% | 2,190 |
| Net charge-offs to loans | 0.1627% | 2,404 |
| Credit loss provision to net charge-offs | 177.5292% | 1,366 |
| Earnings coverage of net charge-offs (x) | 19.2792% | 1,792 |
| Efficiency ratio | 53.1211% | 5,908 |
| Assets per employee ($millions) | 5.7859% | 1,534 |
| Cash dividends to net income (ytd only)* | 55.2645% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2357% | 3,791 |
| Loan loss allowance to noncurrent loans | 407.1892% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.1731% | 5,332 |
| Noncurrent loans to loans | 0.3035% | 4,762 |
| Net loans and leases to total assets | 56.3319% | 4,290 |
| Net loans and leases to deposits | 61.5624% | 4,759 |
| Net loans and leases to core deposits | 68.3507% | 4,465 |
| Total domestic deposits to total assets | 91.5037% | 226 |
| Equity capital to assets | 8.3524% | 5,863 |
| Core capital (leverage) ratio | 7.2835% | 6,260 |
| Tier 1 risk-based capital ratio | 10.1467% | 6,215 |
| Total risk-based capital ratio | 11.1688% | 6,237 |
| Memoranda: | ||
| Average total assets | $1,130,423,400 | 597 |
| Average earning assets | $1,065,947,400 | 573 |
| Average equity | $94,188,800 | 782 |
| Average total loans | $631,920,800 | 692 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7021% | 4,848 |
| Cost of funding earning assets | 0.0810% | 6,453 |
| Net interest margin | 3.6211% | 3,344 |
| Noninterest income to average assets | 0.3174% | 4,901 |
| Noninterest expense to average assets | 1.9551% | 5,849 |
| Loan and lease loss provision to assets | 0.1809% | 1,356 |
| Net operating income to assets | 1.0623% | 2,187 |
| Return on assets (ROA) | 1.0623% | 2,253 |
| Pretax return on assets | 1.5969% | 1,332 |
| Return on Equity (ROE) | 12.7569% | 1,277 |
| Retained earnings to average equity (ytd only) | 7.6744% | 1,506 |
| Net charge-offs to loans | 0.0640% | 3,292 |
| Credit loss provision to net charge-offs | 508.3333% | 561 |
| Earnings coverage of net charge-offs (x) | 49.9467% | 977 |
| Efficiency ratio | 52.3743% | 5,964 |
| Assets per employee ($millions) | 5.7817% | 1,501 |
| Cash dividends to net income (ytd only)* | 39.8414% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3399% | 3,448 |
| Loan loss allowance to noncurrent loans | 167.1991% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.4396% | 4,594 |
| Noncurrent loans to loans | 0.8014% | 3,578 |
| Net loans and leases to total assets | 54.1187% | 4,561 |
| Net loans and leases to deposits | 59.0679% | 5,014 |
| Net loans and leases to core deposits | 65.7011% | 4,736 |
| Total domestic deposits to total assets | 91.6212% | 210 |
| Equity capital to assets | 8.2515% | 5,979 |
| Core capital (leverage) ratio | 7.4787% | 6,291 |
| Tier 1 risk-based capital ratio | 10.4209% | 6,231 |
| Total risk-based capital ratio | 11.5330% | 6,234 |
| Memoranda: | ||
| Average total assets | $1,123,736,000 | 596 |
| Average earning assets | $1,059,954,750 | 575 |
| Average equity | $93,573,000 | 790 |
| Average total loans | $624,897,750 | 693 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7025% | 4,857 |
| Cost of funding earning assets | 0.0845% | 6,516 |
| Net interest margin | 3.6180% | 3,289 |
| Noninterest income to average assets | 0.3066% | 4,952 |
| Noninterest expense to average assets | 1.9908% | 5,851 |
| Loan and lease loss provision to assets | 0.2209% | 1,049 |
| Net operating income to assets | 0.9975% | 2,331 |
| Return on assets (ROA) | 0.9975% | 2,400 |
| Pretax return on assets | 1.5006% | 1,534 |
| Return on Equity (ROE) | 11.9407% | 1,441 |
| Retained earnings to average equity (ytd only) | 10.1057% | 698 |
| Net charge-offs to loans | 0.1001% | 2,678 |
| Credit loss provision to net charge-offs | 395.1613% | 700 |
| Earnings coverage of net charge-offs (x) | 30.7935% | 1,235 |
| Efficiency ratio | 53.6264% | 5,939 |
| Assets per employee ($millions) | 5.5986% | 1,607 |
| Cash dividends to net income (ytd only)* | 15.3679% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 3,923 |
| Loan loss allowance to noncurrent loans | 139.1524% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.5391% | 4,376 |
| Noncurrent loans to loans | 0.9250% | 3,407 |
| Net loans and leases to total assets | 57.5317% | 4,048 |
| Net loans and leases to deposits | 63.0671% | 4,588 |
| Net loans and leases to core deposits | 68.8354% | 4,386 |
| Total domestic deposits to total assets | 91.2230% | 334 |
| Equity capital to assets | 8.6549% | 5,656 |
| Core capital (leverage) ratio | 7.4699% | 6,319 |
| Tier 1 risk-based capital ratio | 10.3936% | 6,285 |
| Total risk-based capital ratio | 11.4739% | 6,289 |
| Memoranda: | ||
| Average total assets | $1,109,013,670 | 605 |
| Average earning assets | $1,043,946,330 | 585 |
| Average equity | $92,641,000 | 789 |
| Average total loans | $619,651,000 | 693 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5862% | 5,211 |
| Cost of funding earning assets | 0.0823% | 6,599 |
| Net interest margin | 3.5039% | 3,671 |
| Noninterest income to average assets | 0.2665% | 5,237 |
| Noninterest expense to average assets | 1.9028% | 6,060 |
| Loan and lease loss provision to assets | 0.2428% | 900 |
| Net operating income to assets | 0.9366% | 2,473 |
| Return on assets (ROA) | 0.9366% | 2,546 |
| Pretax return on assets | 1.4143% | 1,701 |
| Return on Equity (ROE) | 11.4170% | 1,564 |
| Retained earnings to average equity (ytd only) | 9.4440% | 1,126 |
| Net charge-offs to loans | 0.0013% | 3,646 |
| Credit loss provision to net charge-offs | 33,750.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 2,303.5000% | 5 |
| Efficiency ratio | 53.4505% | 6,061 |
| Assets per employee ($millions) | 5.8893% | 1,378 |
| Cash dividends to net income (ytd only)* | 17.2811% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 4,158 |
| Loan loss allowance to noncurrent loans | 129.5693% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.5398% | 4,529 |
| Noncurrent loans to loans | 0.9983% | 3,422 |
| Net loans and leases to total assets | 53.3735% | 4,502 |
| Net loans and leases to deposits | 58.1374% | 4,923 |
| Net loans and leases to core deposits | 64.4426% | 4,655 |
| Total domestic deposits to total assets | 91.8057% | 298 |
| Equity capital to assets | 8.0681% | 6,005 |
| Core capital (leverage) ratio | 7.2952% | 6,406 |
| Tier 1 risk-based capital ratio | 10.3576% | 6,378 |
| Total risk-based capital ratio | 11.4376% | 6,394 |
| Memoranda: | ||
| Average total assets | $1,112,054,000 | 610 |
| Average earning assets | $1,045,231,000 | 589 |
| Average equity | $91,232,500 | 803 |
| Average total loans | $608,071,500 | 711 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4502% | 5,732 |
| Cost of funding earning assets | 0.0793% | 6,707 |
| Net interest margin | 3.3710% | 4,399 |
| Noninterest income to average assets | 0.3213% | 5,038 |
| Noninterest expense to average assets | 2.0498% | 5,923 |
| Loan and lease loss provision to assets | 0.0797% | 3,514 |
| Net operating income to assets | 0.8996% | 2,783 |
| Return on assets (ROA) | 0.8996% | 2,872 |
| Pretax return on assets | 1.3691% | 1,904 |
| Return on Equity (ROE) | 10.9510% | 1,780 |
| Retained earnings to average equity (ytd only) | -0.0035% | 5,865 |
| Net charge-offs to loans | 0.0283% | 4,857 |
| Credit loss provision to net charge-offs | 549.0196% | 426 |
| Earnings coverage of net charge-offs (x) | 99.7582% | 467 |
| Efficiency ratio | 58.5875% | 5,665 |
| Assets per employee ($millions) | 5.7218% | 1,460 |
| Cash dividends to net income (ytd only)* | 100.0317% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 4,461 |
| Loan loss allowance to noncurrent loans | 410.2007% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 5,813 |
| Noncurrent loans to loans | 0.3014% | 5,282 |
| Net loans and leases to total assets | 54.6441% | 4,511 |
| Net loans and leases to deposits | 59.7330% | 4,957 |
| Net loans and leases to core deposits | 64.8108% | 4,795 |
| Total domestic deposits to total assets | 91.4806% | 408 |
| Equity capital to assets | 8.3490% | 5,735 |
| Core capital (leverage) ratio | 7.2784% | 6,449 |
| Tier 1 risk-based capital ratio | 10.2298% | 6,452 |
| Total risk-based capital ratio | 11.2497% | 6,480 |
| Memoranda: | ||
| Average total assets | $1,053,443,200 | 626 |
| Average earning assets | $992,919,600 | 602 |
| Average equity | $86,540,000 | 820 |
| Average total loans | $539,831,000 | 779 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3603% | 5,958 |
| Cost of funding earning assets | 0.0788% | 6,798 |
| Net interest margin | 3.2815% | 4,711 |
| Noninterest income to average assets | 0.3270% | 5,071 |
| Noninterest expense to average assets | 2.0952% | 5,839 |
| Loan and lease loss provision to assets | 0.0802% | 3,456 |
| Net operating income to assets | 0.8200% | 3,251 |
| Return on assets (ROA) | 0.8200% | 3,376 |
| Pretax return on assets | 1.2519% | 2,505 |
| Return on Equity (ROE) | 10.0243% | 2,169 |
| Retained earnings to average equity (ytd only) | -2.0764% | 6,276 |
| Net charge-offs to loans | 0.0160% | 4,814 |
| Credit loss provision to net charge-offs | 1,000.0000% | 305 |
| Earnings coverage of net charge-offs (x) | 166.1705% | 335 |
| Efficiency ratio | 61.1338% | 5,258 |
| Assets per employee ($millions) | 5.4270% | 1,698 |
| Cash dividends to net income (ytd only)* | 120.7137% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2735% | 4,524 |
| Loan loss allowance to noncurrent loans | 436.3472% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 5,963 |
| Noncurrent loans to loans | 0.2918% | 5,501 |
| Net loans and leases to total assets | 53.3041% | 4,707 |
| Net loans and leases to deposits | 58.1326% | 5,175 |
| Net loans and leases to core deposits | 62.9211% | 5,020 |
| Total domestic deposits to total assets | 91.6940% | 315 |
| Equity capital to assets | 8.1431% | 6,053 |
| Core capital (leverage) ratio | 7.4125% | 6,479 |
| Tier 1 risk-based capital ratio | 10.1463% | 6,555 |
| Total risk-based capital ratio | 11.1964% | 6,575 |
| Memoranda: | ||
| Average total assets | $1,047,881,250 | 629 |
| Average earning assets | $990,011,000 | 609 |
| Average equity | $85,722,750 | 835 |
| Average total loans | $525,998,500 | 805 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2444% | 6,170 |
| Cost of funding earning assets | 0.0814% | 6,847 |
| Net interest margin | 3.1630% | 5,073 |
| Noninterest income to average assets | 0.3236% | 5,122 |
| Noninterest expense to average assets | 2.0110% | 6,027 |
| Loan and lease loss provision to assets | 0.0803% | 3,450 |
| Net operating income to assets | 0.8029% | 3,285 |
| Return on assets (ROA) | 0.8029% | 3,435 |
| Pretax return on assets | 1.2192% | 2,590 |
| Return on Equity (ROE) | 9.7995% | 2,277 |
| Retained earnings to average equity (ytd only) | -7.3029% | 6,587 |
| Net charge-offs to loans | 0.0133% | 4,582 |
| Credit loss provision to net charge-offs | 1,235.2941% | 253 |
| Earnings coverage of net charge-offs (x) | 199.9412% | 260 |
| Efficiency ratio | 60.7460% | 5,373 |
| Assets per employee ($millions) | 4.8279% | 2,330 |
| Cash dividends to net income (ytd only)* | 174.5238% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 4,401 |
| Loan loss allowance to noncurrent loans | 346.8305% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2118% | 5,866 |
| Noncurrent loans to loans | 0.3807% | 5,325 |
| Net loans and leases to total assets | 54.9071% | 4,464 |
| Net loans and leases to deposits | 60.2883% | 4,944 |
| Net loans and leases to core deposits | 63.0825% | 4,990 |
| Total domestic deposits to total assets | 91.0743% | 523 |
| Equity capital to assets | 8.7179% | 5,527 |
| Core capital (leverage) ratio | 7.2197% | 6,556 |
| Tier 1 risk-based capital ratio | 10.4003% | 6,536 |
| Total risk-based capital ratio | 11.4781% | 6,555 |
| Memoranda: | ||
| Average total assets | $1,046,226,330 | 632 |
| Average earning assets | $987,973,000 | 612 |
| Average equity | $85,719,000 | 830 |
| Average total loans | $511,848,330 | 825 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0249% | 6,485 |
| Cost of funding earning assets | 0.0775% | 6,942 |
| Net interest margin | 2.9474% | 5,712 |
| Noninterest income to average assets | 0.3071% | 5,235 |
| Noninterest expense to average assets | 1.9005% | 6,273 |
| Loan and lease loss provision to assets | 0.0771% | 3,344 |
| Net operating income to assets | 0.7376% | 3,492 |
| Return on assets (ROA) | 0.7376% | 3,629 |
| Pretax return on assets | 1.1218% | 2,875 |
| Return on Equity (ROE) | 9.2641% | 2,370 |
| Retained earnings to average equity (ytd only) | 9.2641% | 1,299 |
| Net charge-offs to loans | 0.0064% | 4,034 |
| Credit loss provision to net charge-offs | 2,625.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 408.0000% | 81 |
| Efficiency ratio | 61.3178% | 5,403 |
| Assets per employee ($millions) | 5.2806% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3824% | 4,323 |
| Loan loss allowance to noncurrent loans | 268.2013% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.2476% | 5,833 |
| Noncurrent loans to loans | 0.5154% | 5,143 |
| Net loans and leases to total assets | 47.3804% | 5,296 |
| Net loans and leases to deposits | 52.0877% | 5,607 |
| Net loans and leases to core deposits | 55.3188% | 5,577 |
| Total domestic deposits to total assets | 90.9628% | 538 |
| Equity capital to assets | 8.6658% | 5,847 |
| Core capital (leverage) ratio | 7.2672% | 6,558 |
| Tier 1 risk-based capital ratio | 12.0515% | 5,886 |
| Total risk-based capital ratio | 13.1875% | 5,920 |
| Memoranda: | ||
| Average total assets | $1,088,967,500 | 614 |
| Average earning assets | $1,031,704,000 | 584 |
| Average equity | $86,700,000 | 826 |
| Average total loans | $500,485,000 | 849 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4730% | 6,384 |
| Cost of funding earning assets | 0.0825% | 7,015 |
| Net interest margin | 3.3905% | 4,918 |
| Noninterest income to average assets | 0.4369% | 4,344 |
| Noninterest expense to average assets | 2.0714% | 6,188 |
| Loan and lease loss provision to assets | 0.0914% | 4,537 |
| Net operating income to assets | 0.9793% | 2,429 |
| Return on assets (ROA) | 0.9793% | 2,653 |
| Pretax return on assets | 1.4717% | 1,773 |
| Return on Equity (ROE) | 11.9654% | 1,522 |
| Retained earnings to average equity (ytd only) | 8.3707% | 1,008 |
| Net charge-offs to loans | -0.0048% | 6,383 |
| Credit loss provision to net charge-offs | -3,818.1818% | 6,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9937% | 5,956 |
| Assets per employee ($millions) | 5.7147% | 1,509 |
| Cash dividends to net income (ytd only)* | 30.0422% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 4,515 |
| Loan loss allowance to noncurrent loans | 256.8129% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.2273% | 5,988 |
| Noncurrent loans to loans | 0.5158% | 5,242 |
| Net loans and leases to total assets | 43.4878% | 5,864 |
| Net loans and leases to deposits | 47.0183% | 6,172 |
| Net loans and leases to core deposits | 48.3993% | 6,245 |
| Total domestic deposits to total assets | 92.4912% | 172 |
| Equity capital to assets | 7.3241% | 6,688 |
| Core capital (leverage) ratio | 7.2686% | 6,603 |
| Tier 1 risk-based capital ratio | 10.9348% | 6,375 |
| Total risk-based capital ratio | 12.0239% | 6,409 |
| Memoranda: | ||
| Average total assets | $919,435,600 | 716 |
| Average earning assets | $867,089,200 | 689 |
| Average equity | $75,250,200 | 943 |
| Average total loans | $455,312,000 | 912 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6304% | 6,350 |
| Cost of funding earning assets | 0.0885% | 7,126 |
| Net interest margin | 3.5419% | 4,483 |
| Noninterest income to average assets | 0.4826% | 4,041 |
| Noninterest expense to average assets | 2.2099% | 5,928 |
| Loan and lease loss provision to assets | 0.0973% | 4,358 |
| Net operating income to assets | 1.0153% | 2,425 |
| Return on assets (ROA) | 1.0153% | 2,659 |
| Pretax return on assets | 1.5200% | 1,808 |
| Return on Equity (ROE) | 11.9884% | 1,644 |
| Retained earnings to average equity (ytd only) | 8.3150% | 1,487 |
| Net charge-offs to loans | -0.0117% | 6,393 |
| Credit loss provision to net charge-offs | -1,615.3846% | 6,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7416% | 5,826 |
| Assets per employee ($millions) | 4.7619% | 2,516 |
| Cash dividends to net income (ytd only)* | 30.6417% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3586% | 4,544 |
| Loan loss allowance to noncurrent loans | 182.1479% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.3850% | 5,734 |
| Noncurrent loans to loans | 0.7459% | 4,930 |
| Net loans and leases to total assets | 50.9209% | 5,198 |
| Net loans and leases to deposits | 55.6723% | 5,661 |
| Net loans and leases to core deposits | 57.4930% | 5,769 |
| Total domestic deposits to total assets | 91.4655% | 295 |
| Equity capital to assets | 8.3000% | 6,417 |
| Core capital (leverage) ratio | 7.2664% | 6,727 |
| Tier 1 risk-based capital ratio | 10.3997% | 6,702 |
| Total risk-based capital ratio | 11.5221% | 6,709 |
| Memoranda: | ||
| Average total assets | $863,558,000 | 765 |
| Average earning assets | $815,426,250 | 734 |
| Average equity | $73,135,250 | 971 |
| Average total loans | $443,211,500 | 942 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5933% | 6,497 |
| Cost of funding earning assets | 0.0929% | 7,189 |
| Net interest margin | 3.5005% | 4,666 |
| Noninterest income to average assets | 0.4441% | 4,341 |
| Noninterest expense to average assets | 2.2270% | 5,934 |
| Loan and lease loss provision to assets | 0.0996% | 4,285 |
| Net operating income to assets | 0.9409% | 2,709 |
| Return on assets (ROA) | 0.9409% | 2,971 |
| Pretax return on assets | 1.4158% | 2,144 |
| Return on Equity (ROE) | 11.0291% | 1,982 |
| Retained earnings to average equity (ytd only) | 9.3197% | 1,169 |
| Net charge-offs to loans | -0.1232% | 6,902 |
| Credit loss provision to net charge-offs | -157.8947% | 6,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5071% | 5,660 |
| Assets per employee ($millions) | 4.2423% | 3,376 |
| Cash dividends to net income (ytd only)* | 15.4990% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4103% | 4,417 |
| Loan loss allowance to noncurrent loans | 169.3872% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.4543% | 5,651 |
| Noncurrent loans to loans | 0.8326% | 4,851 |
| Net loans and leases to total assets | 53.7920% | 4,841 |
| Net loans and leases to deposits | 59.1975% | 5,313 |
| Net loans and leases to core deposits | 61.7074% | 5,415 |
| Total domestic deposits to total assets | 90.8688% | 495 |
| Equity capital to assets | 8.9144% | 5,789 |
| Core capital (leverage) ratio | 7.3350% | 6,695 |
| Tier 1 risk-based capital ratio | 10.6024% | 6,662 |
| Total risk-based capital ratio | 11.7730% | 6,671 |
| Memoranda: | ||
| Average total assets | $843,475,670 | 789 |
| Average earning assets | $794,753,000 | 758 |
| Average equity | $71,955,000 | 979 |
| Average total loans | $431,985,670 | 970 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3735% | 6,840 |
| Cost of funding earning assets | 0.0957% | 7,252 |
| Net interest margin | 3.2778% | 5,543 |
| Noninterest income to average assets | 0.4341% | 4,420 |
| Noninterest expense to average assets | 2.1245% | 6,219 |
| Loan and lease loss provision to assets | 0.0996% | 4,094 |
| Net operating income to assets | 0.8630% | 3,090 |
| Return on assets (ROA) | 0.8630% | 3,324 |
| Pretax return on assets | 1.2981% | 2,544 |
| Return on Equity (ROE) | 10.3493% | 2,284 |
| Retained earnings to average equity (ytd only) | 8.1589% | 1,923 |
| Net charge-offs to loans | 0.0268% | 4,308 |
| Credit loss provision to net charge-offs | 750.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 105.2143% | 330 |
| Efficiency ratio | 60.3179% | 5,574 |
| Assets per employee ($millions) | 4.7176% | 2,639 |
| Cash dividends to net income (ytd only)* | 21.1655% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 4,436 |
| Loan loss allowance to noncurrent loans | 184.8242% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.3695% | 5,957 |
| Noncurrent loans to loans | 0.7775% | 5,110 |
| Net loans and leases to total assets | 46.8386% | 5,697 |
| Net loans and leases to deposits | 51.2258% | 6,050 |
| Net loans and leases to core deposits | 53.8464% | 6,070 |
| Total domestic deposits to total assets | 91.4356% | 394 |
| Equity capital to assets | 8.3533% | 6,220 |
| Core capital (leverage) ratio | 7.2554% | 6,742 |
| Tier 1 risk-based capital ratio | 11.3360% | 6,370 |
| Total risk-based capital ratio | 12.5328% | 6,377 |
| Memoranda: | ||
| Average total assets | $843,102,500 | 791 |
| Average earning assets | $794,304,000 | 759 |
| Average equity | $70,304,000 | 995 |
| Average total loans | $417,668,500 | 1,000 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9126% | 6,595 |
| Cost of funding earning assets | 0.1291% | 7,287 |
| Net interest margin | 3.7835% | 3,911 |
| Noninterest income to average assets | 0.5262% | 3,673 |
| Noninterest expense to average assets | 2.4640% | 5,585 |
| Loan and lease loss provision to assets | 0.1306% | 4,987 |
| Net operating income to assets | 0.9713% | 2,317 |
| Return on assets (ROA) | 0.9713% | 2,453 |
| Pretax return on assets | 1.4653% | 1,574 |
| Return on Equity (ROE) | 10.6349% | 1,826 |
| Retained earnings to average equity (ytd only) | 8.3576% | 969 |
| Net charge-offs to loans | 0.1492% | 4,953 |
| Credit loss provision to net charge-offs | 161.9298% | 1,701 |
| Earnings coverage of net charge-offs (x) | 19.7895% | 1,157 |
| Efficiency ratio | 60.3185% | 5,705 |
| Assets per employee ($millions) | 4.3481% | 3,163 |
| Cash dividends to net income (ytd only)* | 21.4130% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 4,457 |
| Loan loss allowance to noncurrent loans | 1,596.7302% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 6,844 |
| Noncurrent loans to loans | 0.0877% | 6,590 |
| Net loans and leases to total assets | 51.0044% | 5,463 |
| Net loans and leases to deposits | 55.7970% | 5,911 |
| Net loans and leases to core deposits | 57.6492% | 6,028 |
| Total domestic deposits to total assets | 91.4106% | 361 |
| Equity capital to assets | 8.3229% | 6,328 |
| Core capital (leverage) ratio | 7.1949% | 6,792 |
| Tier 1 risk-based capital ratio | 10.1994% | 6,799 |
| Total risk-based capital ratio | 11.3661% | 6,808 |
| Memoranda: | ||
| Average total assets | $706,813,200 | 923 |
| Average earning assets | $660,149,000 | 903 |
| Average equity | $64,551,800 | 1,047 |
| Average total loans | $381,999,000 | 1,115 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9842% | 6,614 |
| Cost of funding earning assets | 0.1408% | 7,363 |
| Net interest margin | 3.8434% | 3,650 |
| Noninterest income to average assets | 0.5505% | 3,510 |
| Noninterest expense to average assets | 2.5518% | 5,273 |
| Loan and lease loss provision to assets | 0.1145% | 4,995 |
| Net operating income to assets | 0.9751% | 2,411 |
| Return on assets (ROA) | 0.9751% | 2,579 |
| Pretax return on assets | 1.4677% | 1,743 |
| Return on Equity (ROE) | 10.4034% | 2,072 |
| Retained earnings to average equity (ytd only) | 8.0338% | 1,498 |
| Net charge-offs to loans | 0.1777% | 4,384 |
| Credit loss provision to net charge-offs | 117.7062% | 2,774 |
| Earnings coverage of net charge-offs (x) | 16.2676% | 1,408 |
| Efficiency ratio | 61.3491% | 5,511 |
| Assets per employee ($millions) | 4.0748% | 3,687 |
| Cash dividends to net income (ytd only)* | 22.7775% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 4,818 |
| Loan loss allowance to noncurrent loans | 1,558.2840% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 6,783 |
| Noncurrent loans to loans | 0.0859% | 6,718 |
| Net loans and leases to total assets | 52.3297% | 5,406 |
| Net loans and leases to deposits | 57.6256% | 5,877 |
| Net loans and leases to core deposits | 59.6324% | 6,017 |
| Total domestic deposits to total assets | 90.8098% | 508 |
| Equity capital to assets | 8.9076% | 5,848 |
| Core capital (leverage) ratio | 7.3005% | 6,857 |
| Tier 1 risk-based capital ratio | 10.4110% | 6,813 |
| Total risk-based capital ratio | 11.5199% | 6,853 |
| Memoranda: | ||
| Average total assets | $681,331,500 | 964 |
| Average earning assets | $635,255,750 | 941 |
| Average equity | $63,862,000 | 1,063 |
| Average total loans | $372,910,500 | 1,149 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0047% | 6,654 |
| Cost of funding earning assets | 0.1476% | 7,441 |
| Net interest margin | 3.8571% | 3,499 |
| Noninterest income to average assets | 0.4939% | 3,917 |
| Noninterest expense to average assets | 2.6215% | 5,110 |
| Loan and lease loss provision to assets | 0.1180% | 4,797 |
| Net operating income to assets | 0.8947% | 2,660 |
| Return on assets (ROA) | 0.8947% | 2,766 |
| Pretax return on assets | 1.3429% | 1,987 |
| Return on Equity (ROE) | 9.3712% | 2,353 |
| Retained earnings to average equity (ytd only) | 7.0427% | 1,861 |
| Net charge-offs to loans | 0.3283% | 3,247 |
| Credit loss provision to net charge-offs | 64.8918% | 4,205 |
| Earnings coverage of net charge-offs (x) | 8.0366% | 2,131 |
| Efficiency ratio | 63.8216% | 5,274 |
| Assets per employee ($millions) | 3.8918% | 4,006 |
| Cash dividends to net income (ytd only)* | 24.8479% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3051% | 5,038 |
| Loan loss allowance to noncurrent loans | 779.9058% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.5224% | 5,865 |
| Noncurrent loans to loans | 0.1673% | 6,563 |
| Net loans and leases to total assets | 53.3320% | 5,382 |
| Net loans and leases to deposits | 58.8863% | 5,834 |
| Net loans and leases to core deposits | 61.4265% | 5,951 |
| Total domestic deposits to total assets | 90.5677% | 689 |
| Equity capital to assets | 9.1515% | 5,357 |
| Core capital (leverage) ratio | 7.4339% | 6,790 |
| Tier 1 risk-based capital ratio | 10.9102% | 6,595 |
| Total risk-based capital ratio | 12.0465% | 6,641 |
| Memoranda: | ||
| Average total assets | $661,236,330 | 996 |
| Average earning assets | $615,184,000 | 973 |
| Average equity | $63,129,330 | 1,071 |
| Average total loans | $366,096,330 | 1,187 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0492% | 6,604 |
| Cost of funding earning assets | 0.1444% | 7,507 |
| Net interest margin | 3.9047% | 3,113 |
| Noninterest income to average assets | 0.5047% | 3,845 |
| Noninterest expense to average assets | 2.5664% | 5,343 |
| Loan and lease loss provision to assets | 0.1219% | 4,487 |
| Net operating income to assets | 0.9787% | 2,253 |
| Return on assets (ROA) | 0.9787% | 2,312 |
| Pretax return on assets | 1.4508% | 1,597 |
| Return on Equity (ROE) | 10.0222% | 2,085 |
| Retained earnings to average equity (ytd only) | 7.2365% | 2,052 |
| Net charge-offs to loans | 0.0178% | 4,828 |
| Credit loss provision to net charge-offs | 1,218.7500% | 327 |
| Earnings coverage of net charge-offs (x) | 157.1875% | 201 |
| Efficiency ratio | 61.5954% | 5,743 |
| Assets per employee ($millions) | 3.5567% | 4,857 |
| Cash dividends to net income (ytd only)* | 27.7955% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 4,298 |
| Loan loss allowance to noncurrent loans | 2,014.2857% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0518% | 7,033 |
| Noncurrent loans to loans | 0.0735% | 6,854 |
| Net loans and leases to total assets | 54.1926% | 5,278 |
| Net loans and leases to deposits | 60.0894% | 5,720 |
| Net loans and leases to core deposits | 63.7626% | 5,754 |
| Total domestic deposits to total assets | 90.1866% | 1,033 |
| Equity capital to assets | 9.5785% | 4,335 |
| Core capital (leverage) ratio | 7.7612% | 6,499 |
| Tier 1 risk-based capital ratio | 10.9991% | 6,512 |
| Total risk-based capital ratio | 12.2491% | 6,494 |
| Memoranda: | ||
| Average total assets | $639,645,500 | 1,040 |
| Average earning assets | $595,378,000 | 1,011 |
| Average equity | $62,461,500 | 1,077 |
| Average total loans | $358,820,500 | 1,221 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2336% | 6,882 |
| Cost of funding earning assets | 0.1599% | 7,563 |
| Net interest margin | 4.0738% | 2,687 |
| Noninterest income to average assets | 0.5759% | 3,616 |
| Noninterest expense to average assets | 2.8184% | 4,526 |
| Loan and lease loss provision to assets | 0.1228% | 5,932 |
| Net operating income to assets | 0.9566% | 2,183 |
| Return on assets (ROA) | 0.9568% | 2,303 |
| Pretax return on assets | 1.4020% | 1,661 |
| Return on Equity (ROE) | 9.3137% | 2,171 |
| Retained earnings to average equity (ytd only) | 6.5206% | 1,542 |
| Net charge-offs to loans | 0.0255% | 6,553 |
| Credit loss provision to net charge-offs | 827.5862% | 260 |
| Earnings coverage of net charge-offs (x) | 102.7701% | 243 |
| Efficiency ratio | 64.5101% | 5,260 |
| Assets per employee ($millions) | 3.3951% | 5,183 |
| Cash dividends to net income (ytd only)* | 29.9893% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4560% | 4,248 |
| Loan loss allowance to noncurrent loans | 891.3941% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.1056% | 6,968 |
| Noncurrent loans to loans | 0.1633% | 6,742 |
| Net loans and leases to total assets | 56.4175% | 5,274 |
| Net loans and leases to deposits | 62.8488% | 5,762 |
| Net loans and leases to core deposits | 65.3985% | 5,936 |
| Total domestic deposits to total assets | 89.7670% | 1,223 |
| Equity capital to assets | 9.9626% | 3,793 |
| Core capital (leverage) ratio | 8.2103% | 5,807 |
| Tier 1 risk-based capital ratio | 11.0453% | 6,295 |
| Total risk-based capital ratio | 12.2954% | 6,267 |
| Memoranda: | ||
| Average total assets | $586,534,000 | 1,143 |
| Average earning assets | $542,348,200 | 1,118 |
| Average equity | $60,255,200 | 1,107 |
| Average total loans | $341,763,200 | 1,309 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2480% | 7,033 |
| Cost of funding earning assets | 0.1660% | 7,686 |
| Net interest margin | 4.0820% | 2,697 |
| Noninterest income to average assets | 0.5960% | 3,465 |
| Noninterest expense to average assets | 2.8695% | 4,206 |
| Loan and lease loss provision to assets | 0.1327% | 5,702 |
| Net operating income to assets | 0.9309% | 2,493 |
| Return on assets (ROA) | 0.9313% | 2,622 |
| Pretax return on assets | 1.3671% | 1,979 |
| Return on Equity (ROE) | 8.9920% | 2,492 |
| Retained earnings to average equity (ytd only) | 6.0667% | 2,315 |
| Net charge-offs to loans | -0.0414% | 7,446 |
| Credit loss provision to net charge-offs | -547.6190% | 7,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2900% | 5,004 |
| Assets per employee ($millions) | 3.3027% | 5,453 |
| Cash dividends to net income (ytd only)* | 32.5321% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4822% | 4,045 |
| Loan loss allowance to noncurrent loans | 684.9279% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.1450% | 6,990 |
| Noncurrent loans to loans | 0.2164% | 6,747 |
| Net loans and leases to total assets | 60.0990% | 4,895 |
| Net loans and leases to deposits | 67.4945% | 5,490 |
| Net loans and leases to core deposits | 70.4511% | 5,702 |
| Total domestic deposits to total assets | 89.0429% | 1,372 |
| Equity capital to assets | 10.5801% | 3,431 |
| Core capital (leverage) ratio | 8.3188% | 5,833 |
| Tier 1 risk-based capital ratio | 11.1751% | 6,216 |
| Total risk-based capital ratio | 12.4257% | 6,211 |
| Memoranda: | ||
| Average total assets | $577,841,500 | 1,176 |
| Average earning assets | $534,068,250 | 1,154 |
| Average equity | $59,844,500 | 1,113 |
| Average total loans | $338,278,250 | 1,332 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2377% | 7,132 |
| Cost of funding earning assets | 0.1680% | 7,755 |
| Net interest margin | 4.0697% | 2,700 |
| Noninterest income to average assets | 0.5220% | 3,939 |
| Noninterest expense to average assets | 2.7947% | 4,505 |
| Loan and lease loss provision to assets | 0.1315% | 5,571 |
| Net operating income to assets | 0.9217% | 2,461 |
| Return on assets (ROA) | 0.9221% | 2,562 |
| Pretax return on assets | 1.3527% | 1,941 |
| Return on Equity (ROE) | 8.9683% | 2,479 |
| Retained earnings to average equity (ytd only) | 6.1135% | 2,272 |
| Net charge-offs to loans | -0.0528% | 7,455 |
| Credit loss provision to net charge-offs | -431.8182% | 6,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9272% | 5,160 |
| Assets per employee ($millions) | 3.2280% | 5,610 |
| Cash dividends to net income (ytd only)* | 31.8318% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4704% | 4,066 |
| Loan loss allowance to noncurrent loans | 522.2917% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.2109% | 6,876 |
| Noncurrent loans to loans | 0.2815% | 6,670 |
| Net loans and leases to total assets | 58.8017% | 5,284 |
| Net loans and leases to deposits | 66.0394% | 5,797 |
| Net loans and leases to core deposits | 69.3069% | 5,940 |
| Total domestic deposits to total assets | 89.0404% | 1,415 |
| Equity capital to assets | 10.5588% | 3,337 |
| Core capital (leverage) ratio | 7.9032% | 6,380 |
| Tier 1 risk-based capital ratio | 11.3686% | 5,892 |
| Total risk-based capital ratio | 12.6144% | 5,874 |
| Memoranda: | ||
| Average total assets | $577,798,330 | 1,175 |
| Average earning assets | $533,307,670 | 1,156 |
| Average equity | $59,409,330 | 1,114 |
| Average total loans | $333,510,670 | 1,368 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1325% | 7,343 |
| Cost of funding earning assets | 0.1649% | 7,860 |
| Net interest margin | 3.9676% | 3,008 |
| Noninterest income to average assets | 0.4434% | 4,536 |
| Noninterest expense to average assets | 2.7924% | 4,507 |
| Loan and lease loss provision to assets | 0.2031% | 4,467 |
| Net operating income to assets | 0.7708% | 3,100 |
| Return on assets (ROA) | 0.7718% | 3,210 |
| Pretax return on assets | 1.1256% | 2,650 |
| Return on Equity (ROE) | 7.6065% | 3,069 |
| Retained earnings to average equity (ytd only) | 4.2273% | 3,613 |
| Net charge-offs to loans | 0.2268% | 3,564 |
| Credit loss provision to net charge-offs | 157.7540% | 2,275 |
| Earnings coverage of net charge-offs (x) | 10.3102% | 1,755 |
| Efficiency ratio | 67.3630% | 4,838 |
| Assets per employee ($millions) | 3.4385% | 5,181 |
| Cash dividends to net income (ytd only)* | 44.4246% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 4,422 |
| Loan loss allowance to noncurrent loans | 227.8023% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.3943% | 6,486 |
| Noncurrent loans to loans | 0.6143% | 6,083 |
| Net loans and leases to total assets | 53.8817% | 6,038 |
| Net loans and leases to deposits | 59.8896% | 6,480 |
| Net loans and leases to core deposits | 64.0454% | 6,447 |
| Total domestic deposits to total assets | 89.9683% | 1,003 |
| Equity capital to assets | 9.7172% | 4,200 |
| Core capital (leverage) ratio | 7.8258% | 6,463 |
| Tier 1 risk-based capital ratio | 11.4776% | 5,695 |
| Total risk-based capital ratio | 12.7285% | 5,681 |
| Memoranda: | ||
| Average total assets | $581,015,500 | 1,193 |
| Average earning assets | $538,362,000 | 1,173 |
| Average equity | $58,949,500 | 1,130 |
| Average total loans | $329,773,000 | 1,428 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5373% | 7,353 |
| Cost of funding earning assets | 0.2669% | 7,917 |
| Net interest margin | 4.2704% | 1,814 |
| Noninterest income to average assets | 0.5894% | 3,713 |
| Noninterest expense to average assets | 2.8368% | 4,809 |
| Loan and lease loss provision to assets | 0.3080% | 4,973 |
| Net operating income to assets | 0.9116% | 2,140 |
| Return on assets (ROA) | 0.9116% | 2,201 |
| Pretax return on assets | 1.3269% | 1,621 |
| Return on Equity (ROE) | 8.7335% | 2,107 |
| Retained earnings to average equity (ytd only) | -0.2736% | 5,010 |
| Net charge-offs to loans | 0.2494% | 5,064 |
| Credit loss provision to net charge-offs | 206.1298% | 1,865 |
| Earnings coverage of net charge-offs (x) | 10.9423% | 1,640 |
| Efficiency ratio | 63.0416% | 5,962 |
| Assets per employee ($millions) | 3.1266% | 5,925 |
| Cash dividends to net income (ytd only)* | 103.1324% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3904% | 4,283 |
| Loan loss allowance to noncurrent loans | 1,600.7042% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.1158% | 7,198 |
| Noncurrent loans to loans | 0.0869% | 7,194 |
| Net loans and leases to total assets | 58.2589% | 5,621 |
| Net loans and leases to deposits | 65.5613% | 6,106 |
| Net loans and leases to core deposits | 72.2942% | 6,638 |
| Total domestic deposits to total assets | 88.8618% | 1,540 |
| Equity capital to assets | 10.6174% | 3,051 |
| Core capital (leverage) ratio | 8.1106% | 5,974 |
| Tier 1 risk-based capital ratio | 11.1591% | 5,766 |
| Total risk-based capital ratio | 12.3965% | 5,737 |
| Memoranda: | ||
| Average total assets | $556,850,200 | 1,247 |
| Average earning assets | $506,247,400 | 1,247 |
| Average equity | $58,120,800 | 1,135 |
| Average total loans | $333,591,400 | 1,444 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5791% | 7,439 |
| Cost of funding earning assets | 0.2952% | 8,007 |
| Net interest margin | 4.2838% | 1,772 |
| Noninterest income to average assets | 0.6008% | 3,692 |
| Noninterest expense to average assets | 2.9123% | 4,405 |
| Loan and lease loss provision to assets | 0.4387% | 3,714 |
| Net operating income to assets | 0.7607% | 2,980 |
| Return on assets (ROA) | 0.7607% | 3,044 |
| Pretax return on assets | 1.1313% | 2,472 |
| Return on Equity (ROE) | 7.3196% | 2,939 |
| Retained earnings to average equity (ytd only) | -3.6851% | 6,058 |
| Net charge-offs to loans | 0.2987% | 4,160 |
| Credit loss provision to net charge-offs | 244.3409% | 1,777 |
| Earnings coverage of net charge-offs (x) | 8.7443% | 2,205 |
| Efficiency ratio | 64.5794% | 5,642 |
| Assets per employee ($millions) | 2.9845% | 6,203 |
| Cash dividends to net income (ytd only)* | 150.3458% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4420% | 3,726 |
| Loan loss allowance to noncurrent loans | 602.4112% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.1992% | 7,032 |
| Noncurrent loans to loans | 0.2394% | 6,903 |
| Net loans and leases to total assets | 60.3952% | 5,525 |
| Net loans and leases to deposits | 68.0296% | 6,123 |
| Net loans and leases to core deposits | 75.7990% | 6,628 |
| Total domestic deposits to total assets | 88.7777% | 1,300 |
| Equity capital to assets | 10.6955% | 3,288 |
| Core capital (leverage) ratio | 8.0172% | 6,334 |
| Tier 1 risk-based capital ratio | 11.1750% | 5,785 |
| Total risk-based capital ratio | 12.5122% | 5,624 |
| Memoranda: | ||
| Average total assets | $557,709,750 | 1,252 |
| Average earning assets | $505,330,250 | 1,262 |
| Average equity | $57,961,500 | 1,156 |
| Average total loans | $335,249,750 | 1,458 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 7,428 |
| Cost of funding earning assets | 0.3320% | 8,088 |
| Net interest margin | 4.3356% | 1,561 |
| Noninterest income to average assets | 0.5551% | 3,991 |
| Noninterest expense to average assets | 2.8593% | 4,691 |
| Loan and lease loss provision to assets | 0.4039% | 3,507 |
| Net operating income to assets | 0.8028% | 2,846 |
| Return on assets (ROA) | 0.8028% | 2,938 |
| Pretax return on assets | 1.1971% | 2,308 |
| Return on Equity (ROE) | 7.7964% | 2,854 |
| Retained earnings to average equity (ytd only) | -7.4764% | 6,617 |
| Net charge-offs to loans | 0.1773% | 4,466 |
| Credit loss provision to net charge-offs | 381.2709% | 1,216 |
| Earnings coverage of net charge-offs (x) | 15.1137% | 1,613 |
| Efficiency ratio | 63.7172% | 5,966 |
| Assets per employee ($millions) | 3.0104% | 6,103 |
| Cash dividends to net income (ytd only)* | 195.8959% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 4,142 |
| Loan loss allowance to noncurrent loans | 116.5933% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.7377% | 5,573 |
| Noncurrent loans to loans | 1.1349% | 4,945 |
| Net loans and leases to total assets | 62.3335% | 5,300 |
| Net loans and leases to deposits | 70.0542% | 5,981 |
| Net loans and leases to core deposits | 79.8021% | 6,428 |
| Total domestic deposits to total assets | 88.9789% | 1,279 |
| Equity capital to assets | 10.4999% | 3,401 |
| Core capital (leverage) ratio | 7.6062% | 6,892 |
| Tier 1 risk-based capital ratio | 10.4118% | 6,465 |
| Total risk-based capital ratio | 11.6158% | 6,449 |
| Memoranda: | ||
| Average total assets | $564,544,000 | 1,261 |
| Average earning assets | $508,483,000 | 1,268 |
| Average equity | $58,129,670 | 1,165 |
| Average total loans | $337,268,330 | 1,476 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7107% | 7,495 |
| Cost of funding earning assets | 0.3878% | 8,136 |
| Net interest margin | 4.3229% | 1,540 |
| Noninterest income to average assets | 0.4933% | 4,383 |
| Noninterest expense to average assets | 2.6776% | 5,111 |
| Loan and lease loss provision to assets | 0.1351% | 5,229 |
| Net operating income to assets | 1.0295% | 2,194 |
| Return on assets (ROA) | 1.0295% | 2,336 |
| Pretax return on assets | 1.5414% | 1,556 |
| Return on Equity (ROE) | 10.0908% | 2,280 |
| Retained earnings to average equity (ytd only) | 6.8042% | 2,284 |
| Net charge-offs to loans | 0.0929% | 4,248 |
| Credit loss provision to net charge-offs | 250.0000% | 1,869 |
| Earnings coverage of net charge-offs (x) | 31.0256% | 1,028 |
| Efficiency ratio | 61.0979% | 6,237 |
| Assets per employee ($millions) | 3.2862% | 5,354 |
| Cash dividends to net income (ytd only)* | 32.5707% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 5,318 |
| Loan loss allowance to noncurrent loans | 277.5330% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2563% | 6,740 |
| Noncurrent loans to loans | 0.4041% | 6,404 |
| Net loans and leases to total assets | 57.9439% | 5,946 |
| Net loans and leases to deposits | 64.9959% | 6,463 |
| Net loans and leases to core deposits | 74.8287% | 6,757 |
| Total domestic deposits to total assets | 89.1501% | 1,170 |
| Equity capital to assets | 10.3891% | 3,570 |
| Core capital (leverage) ratio | 7.8168% | 6,727 |
| Tier 1 risk-based capital ratio | 11.1941% | 5,707 |
| Total risk-based capital ratio | 12.2472% | 5,808 |
| Memoranda: | ||
| Average total assets | $577,388,500 | 1,234 |
| Average earning assets | $515,672,000 | 1,256 |
| Average equity | $58,905,000 | 1,157 |
| Average total loans | $335,707,000 | 1,499 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7538% | 6,584 |
| Cost of funding earning assets | 1.2482% | 7,891 |
| Net interest margin | 4.5056% | 1,402 |
| Noninterest income to average assets | 0.5805% | 4,002 |
| Noninterest expense to average assets | 2.6788% | 5,345 |
| Loan and lease loss provision to assets | 0.5537% | 2,603 |
| Net operating income to assets | 0.8995% | 2,999 |
| Return on assets (ROA) | 0.8995% | 2,844 |
| Pretax return on assets | 1.3575% | 2,102 |
| Return on Equity (ROE) | 9.3816% | 2,484 |
| Retained earnings to average equity (ytd only) | 6.1568% | 1,464 |
| Net charge-offs to loans | 0.8255% | 1,516 |
| Credit loss provision to net charge-offs | 119.8453% | 4,487 |
| Earnings coverage of net charge-offs (x) | 4.1369% | 4,088 |
| Efficiency ratio | 57.9761% | 6,699 |
| Assets per employee ($millions) | 3.1335% | 5,671 |
| Cash dividends to net income (ytd only)* | 34.3731% | 3,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 5,321 |
| Loan loss allowance to noncurrent loans | 2,425.8278% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 7,494 |
| Noncurrent loans to loans | 0.0452% | 7,324 |
| Net loans and leases to total assets | 57.0552% | 6,330 |
| Net loans and leases to deposits | 63.6820% | 6,829 |
| Net loans and leases to core deposits | 71.8944% | 7,085 |
| Total domestic deposits to total assets | 89.5938% | 812 |
| Equity capital to assets | 10.0163% | 4,017 |
| Core capital (leverage) ratio | 7.3579% | 7,350 |
| Tier 1 risk-based capital ratio | 10.6577% | 6,040 |
| Total risk-based capital ratio | 11.6926% | 6,149 |
| Memoranda: | ||
| Average total assets | $559,545,800 | 1,208 |
| Average earning assets | $497,931,400 | 1,243 |
| Average equity | $53,647,800 | 1,260 |
| Average total loans | $313,149,600 | 1,549 |