Home > Community National Bank & Trust > Performance and Condition Ratios
Community National Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9228% | 2,228 |
| Cost of funding earning assets | 1.7192% | 1,408 |
| Net interest margin | 3.2036% | 2,866 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 2.8045% | 1,482 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.5555% | 3,551 |
| Return on assets (ROA) | 0.5555% | 3,539 |
| Pretax return on assets | 0.6881% | 3,465 |
| Return on Equity (ROE) | 7.8500% | 3,067 |
| Retained earnings to average equity (ytd only) | 7.8472% | 1,591 |
| Net charge-offs to loans | 0.0218% | 1,893 |
| Credit loss provision to net charge-offs | 583.0389% | 605 |
| Earnings coverage of net charge-offs (x) | 55.3428% | 1,234 |
| Efficiency ratio | 78.0185% | 1,070 |
| Assets per employee ($millions) | 4.4658% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 2,566 |
| Loan loss allowance to noncurrent loans | 176.4884% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.4153% | 1,341 |
| Noncurrent loans to loans | 0.6498% | 1,207 |
| Net loans and leases to total assets | 63.1800% | 2,550 |
| Net loans and leases to deposits | 73.2447% | 2,674 |
| Net loans and leases to core deposits | 82.4237% | 2,557 |
| Total domestic deposits to total assets | 86.2600% | 1,927 |
| Equity capital to assets | 7.3299% | 3,801 |
| Core capital (leverage) ratio | 8.6684% | 3,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2949% | 2,136 |
| Memoranda: | ||
| Average total assets | $2,030,598,200 | 564 |
| Average earning assets | $1,838,050,400 | 565 |
| Average equity | $143,744,800 | 695 |
| Average total loans | $1,296,170,400 | 584 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 105,766.0000% | 13 |
| Cost of funding earning assets | 1,090.0000% | 9 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0242% | 4,511 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 0.5596% | 3,628 |
| Pretax return on assets | 0.7103% | 3,532 |
| Return on Equity (ROE) | 7.9800% | 3,193 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0028% | 2,438 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 2.8115% | 4,595 |
| Assets per employee ($millions) | 0.1544% | 4,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.2960% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 11.0000% | 5 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 198.0000% | 15 |
| Equity capital to assets | 139,746.0000% | 4 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $34,497,000 | 4,453 |
| Average earning assets | $6,531 | 4,601 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6287% | 2,352 |
| Cost of funding earning assets | 1.3840% | 1,490 |
| Net interest margin | 3.2447% | 2,876 |
| Noninterest income to average assets | 0.6800% | 1,182 |
| Noninterest expense to average assets | 2.7903% | 1,435 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.5900% | 3,601 |
| Return on assets (ROA) | 0.5900% | 3,610 |
| Pretax return on assets | 0.7502% | 3,502 |
| Return on Equity (ROE) | 8.2600% | 3,168 |
| Retained earnings to average equity (ytd only) | 8.2647% | 1,886 |
| Net charge-offs to loans | -0.0071% | 3,813 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.6753% | 1,112 |
| Assets per employee ($millions) | 4.2142% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 2,689 |
| Loan loss allowance to noncurrent loans | 189.8896% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.4139% | 1,288 |
| Noncurrent loans to loans | 0.6083% | 1,227 |
| Net loans and leases to total assets | 64.1700% | 2,362 |
| Net loans and leases to deposits | 74.3441% | 2,455 |
| Net loans and leases to core deposits | 82.6284% | 2,288 |
| Total domestic deposits to total assets | 86.3200% | 2,141 |
| Equity capital to assets | 7.1774% | 3,703 |
| Core capital (leverage) ratio | 8.7944% | 3,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5034% | 2,094 |
| Memoranda: | ||
| Average total assets | $1,982,440,333 | 564 |
| Average earning assets | $1,794,315,333 | 568 |
| Average equity | $141,518,333 | 694 |
| Average total loans | $1,264,295,333 | 589 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4932% | 2,334 |
| Cost of funding earning assets | 1.1569% | 1,569 |
| Net interest margin | 3.3363% | 2,775 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 2.7500% | 1,550 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.6712% | 3,529 |
| Return on assets (ROA) | 0.6712% | 3,484 |
| Pretax return on assets | 0.8585% | 3,331 |
| Return on Equity (ROE) | 9.4300% | 2,938 |
| Retained earnings to average equity (ytd only) | 9.4281% | 1,829 |
| Net charge-offs to loans | -0.0193% | 4,091 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.1845% | 1,322 |
| Assets per employee ($millions) | 4.1900% | 4,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 2,759 |
| Loan loss allowance to noncurrent loans | 209.9915% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.3538% | 1,449 |
| Noncurrent loans to loans | 0.5534% | 1,340 |
| Net loans and leases to total assets | 63.1800% | 2,338 |
| Net loans and leases to deposits | 73.5129% | 2,334 |
| Net loans and leases to core deposits | 78.4834% | 2,356 |
| Total domestic deposits to total assets | 85.9400% | 2,610 |
| Equity capital to assets | 7.2460% | 3,706 |
| Core capital (leverage) ratio | 8.8178% | 3,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6011% | 2,139 |
| Memoranda: | ||
| Average total assets | $1,964,371,000 | 584 |
| Average earning assets | $1,778,964,000 | 584 |
| Average equity | $139,837,000 | 709 |
| Average total loans | $1,241,175,000 | 606 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8755% | 2,046 |
| Cost of funding earning assets | 0.4590% | 1,655 |
| Net interest margin | 3.4165% | 2,197 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 2.6451% | 1,692 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.8961% | 2,975 |
| Return on assets (ROA) | 0.8961% | 2,910 |
| Pretax return on assets | 1.1257% | 2,686 |
| Return on Equity (ROE) | 11.8800% | 2,180 |
| Retained earnings to average equity (ytd only) | 11.8799% | 693 |
| Net charge-offs to loans | 0.0307% | 1,454 |
| Credit loss provision to net charge-offs | 453.2164% | 723 |
| Earnings coverage of net charge-offs (x) | 67.5088% | 1,180 |
| Efficiency ratio | 68.3452% | 1,920 |
| Assets per employee ($millions) | 4.6925% | 3,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 2,477 |
| Loan loss allowance to noncurrent loans | 197.9167% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.3731% | 1,371 |
| Noncurrent loans to loans | 0.5976% | 1,256 |
| Net loans and leases to total assets | 61.6900% | 2,475 |
| Net loans and leases to deposits | 70.7946% | 2,513 |
| Net loans and leases to core deposits | 73.8339% | 2,579 |
| Total domestic deposits to total assets | 87.1400% | 2,355 |
| Equity capital to assets | 6.9885% | 3,674 |
| Core capital (leverage) ratio | 8.7749% | 3,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3146% | 2,230 |
| Memoranda: | ||
| Average total assets | $1,913,233,200 | 582 |
| Average earning assets | $1,742,767,800 | 578 |
| Average equity | $144,310,400 | 700 |
| Average total loans | $1,112,662,000 | 622 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7182% | 1,982 |
| Cost of funding earning assets | 0.3621% | 1,598 |
| Net interest margin | 3.3561% | 2,118 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 2.6152% | 1,681 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.8952% | 2,880 |
| Return on assets (ROA) | 0.8952% | 2,862 |
| Pretax return on assets | 1.1477% | 2,566 |
| Return on Equity (ROE) | 11.6500% | 2,152 |
| Retained earnings to average equity (ytd only) | 11.6499% | 875 |
| Net charge-offs to loans | 0.0376% | 1,121 |
| Credit loss provision to net charge-offs | 325.7329% | 779 |
| Earnings coverage of net charge-offs (x) | 56.6938% | 1,211 |
| Efficiency ratio | 67.9346% | 2,038 |
| Assets per employee ($millions) | 4.1901% | 4,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 2,631 |
| Loan loss allowance to noncurrent loans | 189.3346% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.3824% | 1,414 |
| Noncurrent loans to loans | 0.6241% | 1,304 |
| Net loans and leases to total assets | 60.2700% | 2,472 |
| Net loans and leases to deposits | 68.6681% | 2,486 |
| Net loans and leases to core deposits | 70.6930% | 2,588 |
| Total domestic deposits to total assets | 87.7700% | 2,496 |
| Equity capital to assets | 6.5601% | 3,710 |
| Core capital (leverage) ratio | 8.4973% | 4,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0576% | 2,455 |
| Memoranda: | ||
| Average total assets | $1,905,871,750 | 578 |
| Average earning assets | $1,739,457,750 | 575 |
| Average equity | $146,447,000 | 697 |
| Average total loans | $1,087,615,250 | 632 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5792% | 1,906 |
| Cost of funding earning assets | 0.3314% | 1,430 |
| Net interest margin | 3.2478% | 2,061 |
| Noninterest income to average assets | 0.7993% | 1,044 |
| Noninterest expense to average assets | 2.5560% | 1,762 |
| Loan and lease loss provision to assets | 0.0631% | 1,465 |
| Net operating income to assets | 0.9014% | 2,576 |
| Return on assets (ROA) | 0.9014% | 2,546 |
| Pretax return on assets | 1.1554% | 2,228 |
| Return on Equity (ROE) | 11.1808% | 1,925 |
| Retained earnings to average equity (ytd only) | 11.1808% | 758 |
| Net charge-offs to loans | 0.0028% | 1,974 |
| Credit loss provision to net charge-offs | 4,000.0000% | 132 |
| Earnings coverage of net charge-offs (x) | 772.3333% | 182 |
| Efficiency ratio | 67.4135% | 2,318 |
| Assets per employee ($millions) | 4.0382% | 4,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 2,357 |
| Loan loss allowance to noncurrent loans | 144.4421% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.5089% | 1,122 |
| Noncurrent loans to loans | 0.8756% | 970 |
| Net loans and leases to total assets | 57.1691% | 2,620 |
| Net loans and leases to deposits | 65.5987% | 2,580 |
| Net loans and leases to core deposits | 67.2701% | 2,717 |
| Total domestic deposits to total assets | 87.1497% | 2,884 |
| Equity capital to assets | 7.3438% | 3,572 |
| Core capital (leverage) ratio | 8.7060% | 3,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9707% | 2,074 |
| Memoranda: | ||
| Average total assets | $1,901,480,000 | 574 |
| Average earning assets | $1,741,901,667 | 574 |
| Average equity | $153,298,667 | 681 |
| Average total loans | $1,060,018,333 | 629 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4501% | 1,950 |
| Cost of funding earning assets | 0.3267% | 1,401 |
| Net interest margin | 3.1235% | 2,097 |
| Noninterest income to average assets | 0.7075% | 1,292 |
| Noninterest expense to average assets | 2.5157% | 1,849 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8287% | 2,560 |
| Return on assets (ROA) | 0.8287% | 2,555 |
| Pretax return on assets | 1.0592% | 2,263 |
| Return on Equity (ROE) | 9.8495% | 2,022 |
| Retained earnings to average equity (ytd only) | 9.8495% | 1,061 |
| Net charge-offs to loans | -0.0008% | 2,994 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0549% | 2,219 |
| Assets per employee ($millions) | 4.3213% | 4,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 2,521 |
| Loan loss allowance to noncurrent loans | 114.5723% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.6833% | 839 |
| Noncurrent loans to loans | 1.1045% | 811 |
| Net loans and leases to total assets | 53.4271% | 2,825 |
| Net loans and leases to deposits | 61.7690% | 2,732 |
| Net loans and leases to core deposits | 63.3378% | 2,856 |
| Total domestic deposits to total assets | 86.4950% | 3,104 |
| Equity capital to assets | 7.7816% | 3,743 |
| Core capital (leverage) ratio | 8.5415% | 3,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1645% | 2,131 |
| Memoranda: | ||
| Average total assets | $1,915,351,500 | 574 |
| Average earning assets | $1,758,307,000 | 572 |
| Average equity | $161,146,000 | 673 |
| Average total loans | $1,047,567,500 | 630 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9783% | 1,409 |
| Cost of funding earning assets | 0.4052% | 1,513 |
| Net interest margin | 3.5730% | 1,541 |
| Noninterest income to average assets | 0.8039% | 1,433 |
| Noninterest expense to average assets | 2.7818% | 1,403 |
| Loan and lease loss provision to assets | 0.0604% | 1,848 |
| Net operating income to assets | 0.9596% | 2,836 |
| Return on assets (ROA) | 1.0094% | 2,705 |
| Pretax return on assets | 1.2850% | 2,406 |
| Return on Equity (ROE) | 11.1913% | 2,101 |
| Retained earnings to average equity (ytd only) | 10.5826% | 787 |
| Net charge-offs to loans | 0.0442% | 1,400 |
| Credit loss provision to net charge-offs | 235.5460% | 1,208 |
| Earnings coverage of net charge-offs (x) | 50.0150% | 1,294 |
| Efficiency ratio | 68.1580% | 1,956 |
| Assets per employee ($millions) | 4.1476% | 4,357 |
| Cash dividends to net income (ytd only)* | 5.4386% | 3,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 2,660 |
| Loan loss allowance to noncurrent loans | 94.2054% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 0.8115% | 736 |
| Noncurrent loans to loans | 1.3193% | 710 |
| Net loans and leases to total assets | 54.5896% | 2,778 |
| Net loans and leases to deposits | 63.9060% | 2,694 |
| Net loans and leases to core deposits | 65.7904% | 2,839 |
| Total domestic deposits to total assets | 85.4217% | 3,123 |
| Equity capital to assets | 9.0474% | 3,577 |
| Core capital (leverage) ratio | 8.5326% | 3,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8075% | 2,315 |
| Memoranda: | ||
| Average total assets | $1,821,524,600 | 580 |
| Average earning assets | $1,662,001,000 | 576 |
| Average equity | $164,297,600 | 662 |
| Average total loans | $1,056,630,400 | 626 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0568% | 1,411 |
| Cost of funding earning assets | 0.4248% | 1,522 |
| Net interest margin | 3.6320% | 1,519 |
| Noninterest income to average assets | 0.7958% | 1,538 |
| Noninterest expense to average assets | 2.7966% | 1,346 |
| Loan and lease loss provision to assets | 0.0371% | 2,251 |
| Net operating income to assets | 0.9825% | 2,977 |
| Return on assets (ROA) | 1.0402% | 2,833 |
| Pretax return on assets | 1.3403% | 2,513 |
| Return on Equity (ROE) | 11.5423% | 2,198 |
| Retained earnings to average equity (ytd only) | 10.7199% | 1,116 |
| Net charge-offs to loans | 0.0165% | 1,737 |
| Credit loss provision to net charge-offs | 381.6794% | 883 |
| Earnings coverage of net charge-offs (x) | 134.3359% | 725 |
| Efficiency ratio | 67.9035% | 1,850 |
| Assets per employee ($millions) | 4.2096% | 4,325 |
| Cash dividends to net income (ytd only)* | 7.1250% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 2,745 |
| Loan loss allowance to noncurrent loans | 102.1668% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 0.8051% | 887 |
| Noncurrent loans to loans | 1.2218% | 907 |
| Net loans and leases to total assets | 55.3538% | 2,812 |
| Net loans and leases to deposits | 65.0518% | 2,729 |
| Net loans and leases to core deposits | 67.1074% | 2,847 |
| Total domestic deposits to total assets | 85.0918% | 3,085 |
| Equity capital to assets | 9.2088% | 3,644 |
| Core capital (leverage) ratio | 8.3463% | 4,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7753% | 2,441 |
| Memoranda: | ||
| Average total assets | $1,798,894,750 | 591 |
| Average earning assets | $1,636,996,500 | 588 |
| Average equity | $162,124,500 | 674 |
| Average total loans | $1,056,559,750 | 637 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9832% | 1,605 |
| Cost of funding earning assets | 0.4483% | 1,532 |
| Net interest margin | 3.5349% | 1,755 |
| Noninterest income to average assets | 0.7619% | 1,640 |
| Noninterest expense to average assets | 2.7390% | 1,482 |
| Loan and lease loss provision to assets | 0.0280% | 2,421 |
| Net operating income to assets | 0.9404% | 3,091 |
| Return on assets (ROA) | 0.9963% | 2,980 |
| Pretax return on assets | 1.2783% | 2,686 |
| Return on Equity (ROE) | 11.1386% | 2,380 |
| Retained earnings to average equity (ytd only) | 11.1386% | 1,094 |
| Net charge-offs to loans | 0.0237% | 1,476 |
| Credit loss provision to net charge-offs | 198.4127% | 1,057 |
| Earnings coverage of net charge-offs (x) | 87.5317% | 799 |
| Efficiency ratio | 68.6068% | 1,806 |
| Assets per employee ($millions) | 4.0423% | 4,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 2,933 |
| Loan loss allowance to noncurrent loans | 93.0989% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 0.9994% | 754 |
| Noncurrent loans to loans | 1.2893% | 913 |
| Net loans and leases to total assets | 57.5209% | 2,727 |
| Net loans and leases to deposits | 67.4013% | 2,685 |
| Net loans and leases to core deposits | 69.6105% | 2,819 |
| Total domestic deposits to total assets | 85.3409% | 2,967 |
| Equity capital to assets | 9.1780% | 3,626 |
| Core capital (leverage) ratio | 8.1254% | 4,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3956% | 2,580 |
| Memoranda: | ||
| Average total assets | $1,785,322,000 | 592 |
| Average earning assets | $1,622,561,333 | 588 |
| Average equity | $159,697,000 | 676 |
| Average total loans | $1,065,024,000 | 634 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9604% | 1,676 |
| Cost of funding earning assets | 0.4767% | 1,545 |
| Net interest margin | 3.4837% | 1,868 |
| Noninterest income to average assets | 0.7608% | 1,683 |
| Noninterest expense to average assets | 2.7559% | 1,477 |
| Loan and lease loss provision to assets | 0.0225% | 2,490 |
| Net operating income to assets | 0.8881% | 3,158 |
| Return on assets (ROA) | 0.9481% | 3,066 |
| Pretax return on assets | 1.2213% | 2,783 |
| Return on Equity (ROE) | 10.7415% | 2,440 |
| Retained earnings to average equity (ytd only) | 10.7415% | 1,462 |
| Net charge-offs to loans | 0.0396% | 1,076 |
| Credit loss provision to net charge-offs | 94.3396% | 1,161 |
| Earnings coverage of net charge-offs (x) | 48.8774% | 912 |
| Efficiency ratio | 69.9259% | 1,712 |
| Assets per employee ($millions) | 4.1340% | 4,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 3,078 |
| Loan loss allowance to noncurrent loans | 128.9414% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.9233% | 918 |
| Noncurrent loans to loans | 0.9093% | 1,488 |
| Net loans and leases to total assets | 57.5165% | 2,855 |
| Net loans and leases to deposits | 67.2950% | 2,781 |
| Net loans and leases to core deposits | 69.4148% | 2,916 |
| Total domestic deposits to total assets | 85.4692% | 2,936 |
| Equity capital to assets | 8.6005% | 4,045 |
| Core capital (leverage) ratio | 8.0856% | 4,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3865% | 2,534 |
| Memoranda: | ||
| Average total assets | $1,774,532,000 | 589 |
| Average earning assets | $1,611,153,000 | 589 |
| Average equity | $156,626,500 | 682 |
| Average total loans | $1,071,549,500 | 631 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3633% | 1,684 |
| Cost of funding earning assets | 0.7373% | 1,526 |
| Net interest margin | 3.6260% | 2,055 |
| Noninterest income to average assets | 0.8020% | 1,521 |
| Noninterest expense to average assets | 3.0497% | 1,332 |
| Loan and lease loss provision to assets | 0.1578% | 2,398 |
| Net operating income to assets | 0.6880% | 3,471 |
| Return on assets (ROA) | 0.7727% | 3,317 |
| Pretax return on assets | 0.9770% | 3,118 |
| Return on Equity (ROE) | 8.2885% | 2,697 |
| Retained earnings to average equity (ytd only) | 3.9939% | 2,828 |
| Net charge-offs to loans | 0.0691% | 1,803 |
| Credit loss provision to net charge-offs | 345.7602% | 1,591 |
| Earnings coverage of net charge-offs (x) | 22.5146% | 1,848 |
| Efficiency ratio | 74.4497% | 1,391 |
| Assets per employee ($millions) | 3.8687% | 4,459 |
| Cash dividends to net income (ytd only)* | 51.8135% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 3,159 |
| Loan loss allowance to noncurrent loans | 118.5118% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 1.0686% | 867 |
| Noncurrent loans to loans | 0.9793% | 1,443 |
| Net loans and leases to total assets | 61.9876% | 2,616 |
| Net loans and leases to deposits | 73.0061% | 2,589 |
| Net loans and leases to core deposits | 75.3420% | 2,790 |
| Total domestic deposits to total assets | 84.9074% | 2,805 |
| Equity capital to assets | 9.0672% | 4,001 |
| Core capital (leverage) ratio | 8.0729% | 4,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8539% | 2,687 |
| Memoranda: | ||
| Average total assets | $1,498,599,400 | 619 |
| Average earning assets | $1,353,670,200 | 622 |
| Average equity | $139,712,200 | 717 |
| Average total loans | $990,386,400 | 647 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4126% | 1,818 |
| Cost of funding earning assets | 0.8046% | 1,475 |
| Net interest margin | 3.6081% | 2,248 |
| Noninterest income to average assets | 0.8880% | 1,265 |
| Noninterest expense to average assets | 3.0677% | 1,295 |
| Loan and lease loss provision to assets | 0.1723% | 2,260 |
| Net operating income to assets | 0.7150% | 3,415 |
| Return on assets (ROA) | 0.7896% | 3,246 |
| Pretax return on assets | 1.0007% | 3,069 |
| Return on Equity (ROE) | 8.4015% | 2,647 |
| Retained earnings to average equity (ytd only) | 2.5064% | 3,740 |
| Net charge-offs to loans | 0.0534% | 1,841 |
| Credit loss provision to net charge-offs | 480.6701% | 1,319 |
| Earnings coverage of net charge-offs (x) | 30.1005% | 1,580 |
| Efficiency ratio | 73.6431% | 1,445 |
| Assets per employee ($millions) | 3.7800% | 4,493 |
| Cash dividends to net income (ytd only)* | 70.1672% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 3,022 |
| Loan loss allowance to noncurrent loans | 101.8718% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 1.2762% | 755 |
| Noncurrent loans to loans | 1.1112% | 1,357 |
| Net loans and leases to total assets | 66.5557% | 2,442 |
| Net loans and leases to deposits | 78.5327% | 2,473 |
| Net loans and leases to core deposits | 81.3338% | 2,721 |
| Total domestic deposits to total assets | 84.7490% | 2,528 |
| Equity capital to assets | 9.2779% | 3,871 |
| Core capital (leverage) ratio | 8.3012% | 4,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6939% | 2,728 |
| Memoranda: | ||
| Average total assets | $1,443,819,750 | 619 |
| Average earning assets | $1,303,825,000 | 627 |
| Average equity | $135,703,000 | 736 |
| Average total loans | $968,664,250 | 653 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5380% | 1,809 |
| Cost of funding earning assets | 0.9008% | 1,372 |
| Net interest margin | 3.6372% | 2,355 |
| Noninterest income to average assets | 0.8905% | 1,192 |
| Noninterest expense to average assets | 3.1199% | 1,311 |
| Loan and lease loss provision to assets | 0.1860% | 2,161 |
| Net operating income to assets | 0.6899% | 3,422 |
| Return on assets (ROA) | 0.7583% | 3,302 |
| Pretax return on assets | 0.9593% | 3,151 |
| Return on Equity (ROE) | 8.0277% | 2,735 |
| Retained earnings to average equity (ytd only) | 8.0277% | 1,295 |
| Net charge-offs to loans | 0.0439% | 1,870 |
| Credit loss provision to net charge-offs | 632.3529% | 1,068 |
| Earnings coverage of net charge-offs (x) | 35.9951% | 1,314 |
| Efficiency ratio | 74.3108% | 1,434 |
| Assets per employee ($millions) | 3.6712% | 4,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 2,530 |
| Loan loss allowance to noncurrent loans | 81.2168% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 1.4132% | 687 |
| Noncurrent loans to loans | 1.4748% | 1,030 |
| Net loans and leases to total assets | 66.3895% | 2,570 |
| Net loans and leases to deposits | 78.3691% | 2,615 |
| Net loans and leases to core deposits | 81.1163% | 2,859 |
| Total domestic deposits to total assets | 84.7138% | 2,500 |
| Equity capital to assets | 9.1817% | 3,941 |
| Core capital (leverage) ratio | 8.1778% | 4,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8257% | 2,679 |
| Memoranda: | ||
| Average total assets | $1,387,074,333 | 627 |
| Average earning assets | $1,253,986,333 | 645 |
| Average equity | $131,020,667 | 750 |
| Average total loans | $929,370,333 | 677 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7152% | 1,668 |
| Cost of funding earning assets | 1.0563% | 1,199 |
| Net interest margin | 3.6589% | 2,479 |
| Noninterest income to average assets | 0.9281% | 1,004 |
| Noninterest expense to average assets | 3.2159% | 1,395 |
| Loan and lease loss provision to assets | 0.1014% | 2,419 |
| Net operating income to assets | 0.7202% | 3,201 |
| Return on assets (ROA) | 0.7521% | 3,165 |
| Pretax return on assets | 0.9546% | 2,986 |
| Return on Equity (ROE) | 7.8408% | 2,579 |
| Retained earnings to average equity (ytd only) | 7.8408% | 1,275 |
| Net charge-offs to loans | 0.0482% | 1,527 |
| Credit loss provision to net charge-offs | 314.8148% | 1,138 |
| Earnings coverage of net charge-offs (x) | 31.5278% | 1,145 |
| Efficiency ratio | 75.6362% | 1,605 |
| Assets per employee ($millions) | 3.4045% | 4,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2342% | 2,488 |
| Loan loss allowance to noncurrent loans | 80.8114% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 1.4520% | 755 |
| Noncurrent loans to loans | 1.5273% | 1,044 |
| Net loans and leases to total assets | 65.1260% | 2,924 |
| Net loans and leases to deposits | 77.3452% | 2,943 |
| Net loans and leases to core deposits | 80.9499% | 3,115 |
| Total domestic deposits to total assets | 84.2018% | 2,712 |
| Equity capital to assets | 9.6184% | 4,119 |
| Core capital (leverage) ratio | 8.5943% | 4,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5636% | 2,906 |
| Memoranda: | ||
| Average total assets | $1,340,858,500 | 619 |
| Average earning assets | $1,210,650,500 | 631 |
| Average equity | $128,609,000 | 753 |
| Average total loans | $896,983,500 | 673 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9276% | 1,673 |
| Cost of funding earning assets | 1.0489% | 1,518 |
| Net interest margin | 3.8787% | 2,247 |
| Noninterest income to average assets | 0.9870% | 997 |
| Noninterest expense to average assets | 3.2679% | 1,366 |
| Loan and lease loss provision to assets | 0.1791% | 1,166 |
| Net operating income to assets | 0.8214% | 3,481 |
| Return on assets (ROA) | 0.8251% | 3,565 |
| Pretax return on assets | 1.0374% | 3,369 |
| Return on Equity (ROE) | 8.4793% | 2,948 |
| Retained earnings to average equity (ytd only) | 8.4793% | 838 |
| Net charge-offs to loans | 0.2164% | 943 |
| Credit loss provision to net charge-offs | 116.7366% | 2,161 |
| Earnings coverage of net charge-offs (x) | 7.8977% | 2,829 |
| Efficiency ratio | 72.5809% | 1,787 |
| Assets per employee ($millions) | 3.3758% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2049% | 2,411 |
| Loan loss allowance to noncurrent loans | 89.3060% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 1.2806% | 873 |
| Noncurrent loans to loans | 1.3492% | 1,103 |
| Net loans and leases to total assets | 67.0600% | 2,818 |
| Net loans and leases to deposits | 79.4938% | 2,838 |
| Net loans and leases to core deposits | 83.5502% | 2,997 |
| Total domestic deposits to total assets | 84.3588% | 2,733 |
| Equity capital to assets | 9.5640% | 4,300 |
| Core capital (leverage) ratio | 8.7217% | 4,715 |
| Tier 1 risk-based capital ratio | 11.1894% | 4,782 |
| Total risk-based capital ratio | 12.2766% | 4,753 |
| Memoranda: | ||
| Average total assets | $1,241,980,400 | 638 |
| Average earning assets | $1,118,457,200 | 652 |
| Average equity | $120,847,600 | 755 |
| Average total loans | $880,664,600 | 654 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9713% | 1,618 |
| Cost of funding earning assets | 1.0360% | 1,600 |
| Net interest margin | 3.9353% | 2,146 |
| Noninterest income to average assets | 0.9938% | 949 |
| Noninterest expense to average assets | 3.2895% | 1,294 |
| Loan and lease loss provision to assets | 0.1774% | 1,036 |
| Net operating income to assets | 0.8416% | 3,540 |
| Return on assets (ROA) | 0.8464% | 3,612 |
| Pretax return on assets | 1.0727% | 3,368 |
| Return on Equity (ROE) | 8.6584% | 3,028 |
| Retained earnings to average equity (ytd only) | 8.6584% | 1,148 |
| Net charge-offs to loans | 0.1981% | 877 |
| Credit loss provision to net charge-offs | 124.8080% | 1,887 |
| Earnings coverage of net charge-offs (x) | 8.7542% | 2,632 |
| Efficiency ratio | 72.1941% | 1,805 |
| Assets per employee ($millions) | 3.2211% | 4,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 2,388 |
| Loan loss allowance to noncurrent loans | 99.6778% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 1.2212% | 1,029 |
| Noncurrent loans to loans | 1.2266% | 1,272 |
| Net loans and leases to total assets | 69.4597% | 2,558 |
| Net loans and leases to deposits | 83.3304% | 2,526 |
| Net loans and leases to core deposits | 87.6880% | 2,763 |
| Total domestic deposits to total assets | 83.3546% | 3,042 |
| Equity capital to assets | 9.8620% | 4,148 |
| Core capital (leverage) ratio | 8.8113% | 4,770 |
| Tier 1 risk-based capital ratio | 11.1635% | 4,839 |
| Total risk-based capital ratio | 12.2741% | 4,787 |
| Memoranda: | ||
| Average total assets | $1,221,642,750 | 649 |
| Average earning assets | $1,098,814,000 | 663 |
| Average equity | $119,418,750 | 762 |
| Average total loans | $876,268,500 | 660 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9443% | 1,629 |
| Cost of funding earning assets | 0.9958% | 1,716 |
| Net interest margin | 3.9485% | 2,098 |
| Noninterest income to average assets | 0.9773% | 915 |
| Noninterest expense to average assets | 3.3192% | 1,245 |
| Loan and lease loss provision to assets | 0.1820% | 979 |
| Net operating income to assets | 0.8088% | 3,622 |
| Return on assets (ROA) | 0.8152% | 3,658 |
| Pretax return on assets | 1.0340% | 3,437 |
| Return on Equity (ROE) | 8.3651% | 3,129 |
| Retained earnings to average equity (ytd only) | 8.3651% | 1,255 |
| Net charge-offs to loans | 0.1603% | 993 |
| Credit loss provision to net charge-offs | 157.1429% | 1,439 |
| Earnings coverage of net charge-offs (x) | 10.4314% | 2,272 |
| Efficiency ratio | 72.9455% | 1,783 |
| Assets per employee ($millions) | 3.0689% | 4,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 2,355 |
| Loan loss allowance to noncurrent loans | 97.3835% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 1.3068% | 969 |
| Noncurrent loans to loans | 1.2640% | 1,257 |
| Net loans and leases to total assets | 71.2801% | 2,326 |
| Net loans and leases to deposits | 84.8603% | 2,386 |
| Net loans and leases to core deposits | 89.0969% | 2,681 |
| Total domestic deposits to total assets | 83.9971% | 2,867 |
| Equity capital to assets | 9.8835% | 4,074 |
| Core capital (leverage) ratio | 8.8330% | 4,767 |
| Tier 1 risk-based capital ratio | 11.0749% | 4,875 |
| Total risk-based capital ratio | 12.2146% | 4,843 |
| Memoranda: | ||
| Average total assets | $1,209,036,670 | 656 |
| Average earning assets | $1,086,952,000 | 667 |
| Average equity | $117,822,330 | 762 |
| Average total loans | $873,142,670 | 666 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9277% | 1,525 |
| Cost of funding earning assets | 0.9418% | 1,826 |
| Net interest margin | 3.9859% | 1,887 |
| Noninterest income to average assets | 0.9332% | 960 |
| Noninterest expense to average assets | 3.3279% | 1,231 |
| Loan and lease loss provision to assets | 0.1167% | 1,508 |
| Net operating income to assets | 0.8345% | 3,499 |
| Return on assets (ROA) | 0.8345% | 3,541 |
| Pretax return on assets | 1.0639% | 3,259 |
| Return on Equity (ROE) | 8.6257% | 2,978 |
| Retained earnings to average equity (ytd only) | 8.6257% | 1,438 |
| Net charge-offs to loans | 0.0877% | 1,227 |
| Credit loss provision to net charge-offs | 184.2105% | 1,102 |
| Earnings coverage of net charge-offs (x) | 18.6368% | 1,617 |
| Efficiency ratio | 73.4378% | 1,821 |
| Assets per employee ($millions) | 3.1600% | 4,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 2,469 |
| Loan loss allowance to noncurrent loans | 109.0491% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 1.2532% | 1,057 |
| Noncurrent loans to loans | 1.1196% | 1,492 |
| Net loans and leases to total assets | 72.0440% | 2,155 |
| Net loans and leases to deposits | 85.1682% | 2,233 |
| Net loans and leases to core deposits | 89.8948% | 2,513 |
| Total domestic deposits to total assets | 84.5902% | 2,823 |
| Equity capital to assets | 9.8470% | 3,973 |
| Core capital (leverage) ratio | 8.8195% | 4,777 |
| Tier 1 risk-based capital ratio | 10.9467% | 5,005 |
| Total risk-based capital ratio | 12.0748% | 4,961 |
| Memoranda: | ||
| Average total assets | $1,199,783,000 | 663 |
| Average earning assets | $1,076,202,500 | 678 |
| Average equity | $116,071,500 | 769 |
| Average total loans | $866,764,000 | 670 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8062% | 1,537 |
| Cost of funding earning assets | 0.7224% | 1,939 |
| Net interest margin | 4.0838% | 1,735 |
| Noninterest income to average assets | 0.9237% | 1,118 |
| Noninterest expense to average assets | 3.4074% | 1,138 |
| Loan and lease loss provision to assets | 0.1687% | 1,194 |
| Net operating income to assets | 0.8111% | 3,760 |
| Return on assets (ROA) | 0.8107% | 3,766 |
| Pretax return on assets | 1.0137% | 3,554 |
| Return on Equity (ROE) | 8.2438% | 3,338 |
| Retained earnings to average equity (ytd only) | -3.6841% | 5,209 |
| Net charge-offs to loans | 0.0951% | 1,810 |
| Credit loss provision to net charge-offs | 241.6337% | 1,225 |
| Earnings coverage of net charge-offs (x) | 16.9407% | 2,220 |
| Efficiency ratio | 73.9052% | 1,636 |
| Assets per employee ($millions) | 3.1382% | 4,897 |
| Cash dividends to net income (ytd only)* | 144.6891% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 2,457 |
| Loan loss allowance to noncurrent loans | 114.0856% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 1.2062% | 1,081 |
| Noncurrent loans to loans | 1.0707% | 1,524 |
| Net loans and leases to total assets | 70.6807% | 2,465 |
| Net loans and leases to deposits | 83.5554% | 2,557 |
| Net loans and leases to core deposits | 92.7288% | 2,347 |
| Total domestic deposits to total assets | 84.5914% | 2,803 |
| Equity capital to assets | 9.5023% | 4,130 |
| Core capital (leverage) ratio | 8.6932% | 4,886 |
| Tier 1 risk-based capital ratio | 10.7998% | 5,068 |
| Total risk-based capital ratio | 11.9238% | 5,018 |
| Memoranda: | ||
| Average total assets | $1,086,973,000 | 705 |
| Average earning assets | $975,929,800 | 722 |
| Average equity | $106,892,800 | 799 |
| Average total loans | $798,335,600 | 700 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7381% | 1,576 |
| Cost of funding earning assets | 0.6700% | 2,032 |
| Net interest margin | 4.0681% | 1,728 |
| Noninterest income to average assets | 0.9068% | 1,179 |
| Noninterest expense to average assets | 3.3852% | 1,142 |
| Loan and lease loss provision to assets | 0.2090% | 811 |
| Net operating income to assets | 0.7769% | 3,982 |
| Return on assets (ROA) | 0.7764% | 3,999 |
| Pretax return on assets | 0.9688% | 3,824 |
| Return on Equity (ROE) | 7.8198% | 3,617 |
| Retained earnings to average equity (ytd only) | -6.5203% | 5,341 |
| Net charge-offs to loans | 0.1259% | 1,257 |
| Credit loss provision to net charge-offs | 224.4926% | 1,276 |
| Earnings coverage of net charge-offs (x) | 12.6563% | 2,435 |
| Efficiency ratio | 73.8715% | 1,612 |
| Assets per employee ($millions) | 3.1322% | 4,939 |
| Cash dividends to net income (ytd only)* | 183.3821% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 2,592 |
| Loan loss allowance to noncurrent loans | 107.3874% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 1.3058% | 1,041 |
| Noncurrent loans to loans | 1.1219% | 1,517 |
| Net loans and leases to total assets | 73.8328% | 2,011 |
| Net loans and leases to deposits | 87.5854% | 2,202 |
| Net loans and leases to core deposits | 92.6273% | 2,425 |
| Total domestic deposits to total assets | 84.2981% | 2,856 |
| Equity capital to assets | 9.7185% | 3,903 |
| Core capital (leverage) ratio | 8.7590% | 4,915 |
| Tier 1 risk-based capital ratio | 10.7201% | 5,161 |
| Total risk-based capital ratio | 11.8332% | 5,130 |
| Memoranda: | ||
| Average total assets | $1,058,237,250 | 723 |
| Average earning assets | $951,237,250 | 738 |
| Average equity | $105,063,500 | 812 |
| Average total loans | $782,912,500 | 711 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5835% | 1,831 |
| Cost of funding earning assets | 0.6002% | 2,224 |
| Net interest margin | 3.9833% | 1,916 |
| Noninterest income to average assets | 0.9085% | 1,160 |
| Noninterest expense to average assets | 3.3494% | 1,218 |
| Loan and lease loss provision to assets | 0.1866% | 955 |
| Net operating income to assets | 0.7675% | 3,968 |
| Return on assets (ROA) | 0.7675% | 3,972 |
| Pretax return on assets | 0.9574% | 3,782 |
| Return on Equity (ROE) | 7.6697% | 3,640 |
| Retained earnings to average equity (ytd only) | -14.3048% | 5,470 |
| Net charge-offs to loans | 0.1914% | 817 |
| Credit loss provision to net charge-offs | 132.2759% | 1,702 |
| Earnings coverage of net charge-offs (x) | 8.1090% | 2,500 |
| Efficiency ratio | 74.2811% | 1,668 |
| Assets per employee ($millions) | 3.1076% | 5,009 |
| Cash dividends to net income (ytd only)* | 286.5112% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 3,029 |
| Loan loss allowance to noncurrent loans | 97.0379% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 1.1962% | 1,198 |
| Noncurrent loans to loans | 1.1762% | 1,476 |
| Net loans and leases to total assets | 73.5907% | 2,013 |
| Net loans and leases to deposits | 87.7836% | 2,133 |
| Net loans and leases to core deposits | 92.3681% | 2,371 |
| Total domestic deposits to total assets | 83.8320% | 3,122 |
| Equity capital to assets | 9.7042% | 3,910 |
| Core capital (leverage) ratio | 9.5586% | 4,051 |
| Tier 1 risk-based capital ratio | 10.6276% | 5,219 |
| Total risk-based capital ratio | 11.6818% | 5,202 |
| Memoranda: | ||
| Average total assets | $1,027,815,000 | 748 |
| Average earning assets | $925,009,000 | 755 |
| Average equity | $102,846,330 | 834 |
| Average total loans | $757,529,670 | 730 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5661% | 1,675 |
| Cost of funding earning assets | 0.5748% | 2,214 |
| Net interest margin | 3.9913% | 1,752 |
| Noninterest income to average assets | 0.8925% | 1,166 |
| Noninterest expense to average assets | 3.4022% | 1,161 |
| Loan and lease loss provision to assets | 0.1439% | 1,304 |
| Net operating income to assets | 0.7617% | 3,868 |
| Return on assets (ROA) | 0.7617% | 3,867 |
| Pretax return on assets | 0.9488% | 3,708 |
| Return on Equity (ROE) | 7.4806% | 3,598 |
| Retained earnings to average equity (ytd only) | 7.4806% | 2,059 |
| Net charge-offs to loans | 0.2592% | 594 |
| Credit loss provision to net charge-offs | 75.7576% | 1,783 |
| Earnings coverage of net charge-offs (x) | 5.7532% | 2,204 |
| Efficiency ratio | 75.4527% | 1,677 |
| Assets per employee ($millions) | 2.9532% | 5,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3079% | 2,212 |
| Loan loss allowance to noncurrent loans | 113.9120% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.9612% | 1,643 |
| Noncurrent loans to loans | 1.1482% | 1,587 |
| Net loans and leases to total assets | 71.4971% | 2,250 |
| Net loans and leases to deposits | 85.5269% | 2,226 |
| Net loans and leases to core deposits | 90.3844% | 2,420 |
| Total domestic deposits to total assets | 83.5961% | 3,468 |
| Equity capital to assets | 10.1228% | 3,477 |
| Core capital (leverage) ratio | 9.5980% | 3,961 |
| Tier 1 risk-based capital ratio | 11.7676% | 4,700 |
| Total risk-based capital ratio | 12.9578% | 4,625 |
| Memoranda: | ||
| Average total assets | $973,028,000 | 784 |
| Average earning assets | $878,211,000 | 804 |
| Average equity | $99,082,500 | 856 |
| Average total loans | $712,956,000 | 768 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5121% | 1,671 |
| Cost of funding earning assets | 0.4988% | 2,342 |
| Net interest margin | 4.0133% | 1,707 |
| Noninterest income to average assets | 0.9940% | 1,031 |
| Noninterest expense to average assets | 3.2379% | 1,534 |
| Loan and lease loss provision to assets | 0.1168% | 1,949 |
| Net operating income to assets | 0.9434% | 2,478 |
| Return on assets (ROA) | 0.9464% | 2,494 |
| Pretax return on assets | 1.2534% | 2,538 |
| Return on Equity (ROE) | 9.6004% | 2,053 |
| Retained earnings to average equity (ytd only) | 8.3369% | 660 |
| Net charge-offs to loans | 0.0748% | 2,378 |
| Credit loss provision to net charge-offs | 215.9309% | 1,262 |
| Earnings coverage of net charge-offs (x) | 25.2649% | 1,721 |
| Efficiency ratio | 70.1008% | 2,531 |
| Assets per employee ($millions) | 2.9439% | 5,238 |
| Cash dividends to net income (ytd only)* | 13.1608% | 3,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 2,109 |
| Loan loss allowance to noncurrent loans | 135.8985% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.8644% | 1,805 |
| Noncurrent loans to loans | 0.9726% | 1,817 |
| Net loans and leases to total assets | 73.1374% | 2,072 |
| Net loans and leases to deposits | 86.9909% | 2,136 |
| Net loans and leases to core deposits | 91.6523% | 2,401 |
| Total domestic deposits to total assets | 84.0748% | 3,175 |
| Equity capital to assets | 10.2443% | 3,444 |
| Core capital (leverage) ratio | 9.5046% | 4,047 |
| Tier 1 risk-based capital ratio | 11.5163% | 4,839 |
| Total risk-based capital ratio | 12.7178% | 4,767 |
| Memoranda: | ||
| Average total assets | $963,476,400 | 768 |
| Average earning assets | $866,672,000 | 784 |
| Average equity | $94,975,200 | 863 |
| Average total loans | $696,820,800 | 750 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4701% | 1,725 |
| Cost of funding earning assets | 0.4979% | 2,287 |
| Net interest margin | 3.9722% | 1,798 |
| Noninterest income to average assets | 1.0013% | 1,021 |
| Noninterest expense to average assets | 3.1921% | 1,573 |
| Loan and lease loss provision to assets | 0.1349% | 1,606 |
| Net operating income to assets | 0.8855% | 3,104 |
| Return on assets (ROA) | 0.8873% | 3,140 |
| Pretax return on assets | 1.2485% | 2,718 |
| Return on Equity (ROE) | 9.0899% | 2,560 |
| Retained earnings to average equity (ytd only) | 8.2395% | 1,116 |
| Net charge-offs to loans | 0.0970% | 1,809 |
| Credit loss provision to net charge-offs | 193.4524% | 1,378 |
| Earnings coverage of net charge-offs (x) | 19.8037% | 1,984 |
| Efficiency ratio | 69.5792% | 2,604 |
| Assets per employee ($millions) | 2.9585% | 5,290 |
| Cash dividends to net income (ytd only)* | 9.3560% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3112% | 2,309 |
| Loan loss allowance to noncurrent loans | 115.6631% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.8756% | 1,962 |
| Noncurrent loans to loans | 1.1336% | 1,698 |
| Net loans and leases to total assets | 73.2268% | 2,056 |
| Net loans and leases to deposits | 87.4727% | 2,132 |
| Net loans and leases to core deposits | 91.8293% | 2,455 |
| Total domestic deposits to total assets | 83.7140% | 3,224 |
| Equity capital to assets | 10.1844% | 3,706 |
| Core capital (leverage) ratio | 9.3088% | 4,398 |
| Tier 1 risk-based capital ratio | 11.3484% | 5,049 |
| Total risk-based capital ratio | 12.5330% | 4,983 |
| Memoranda: | ||
| Average total assets | $963,684,750 | 774 |
| Average earning assets | $866,543,000 | 788 |
| Average equity | $94,065,000 | 879 |
| Average total loans | $692,655,500 | 755 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3887% | 1,854 |
| Cost of funding earning assets | 0.4953% | 2,206 |
| Net interest margin | 3.8935% | 1,954 |
| Noninterest income to average assets | 0.9230% | 1,207 |
| Noninterest expense to average assets | 3.1398% | 1,736 |
| Loan and lease loss provision to assets | 0.1035% | 1,958 |
| Net operating income to assets | 0.8243% | 3,275 |
| Return on assets (ROA) | 0.8243% | 3,332 |
| Pretax return on assets | 1.1842% | 2,830 |
| Return on Equity (ROE) | 8.5675% | 2,743 |
| Retained earnings to average equity (ytd only) | 8.5675% | 977 |
| Net charge-offs to loans | 0.0768% | 1,855 |
| Credit loss provision to net charge-offs | 189.3939% | 1,323 |
| Earnings coverage of net charge-offs (x) | 23.5682% | 1,676 |
| Efficiency ratio | 70.6913% | 2,558 |
| Assets per employee ($millions) | 2.9585% | 5,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 2,416 |
| Loan loss allowance to noncurrent loans | 123.8147% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 0.7999% | 2,209 |
| Noncurrent loans to loans | 1.0495% | 1,872 |
| Net loans and leases to total assets | 71.3645% | 2,311 |
| Net loans and leases to deposits | 83.9486% | 2,484 |
| Net loans and leases to core deposits | 88.2359% | 2,681 |
| Total domestic deposits to total assets | 85.0098% | 2,804 |
| Equity capital to assets | 9.8976% | 4,036 |
| Core capital (leverage) ratio | 9.0695% | 4,646 |
| Tier 1 risk-based capital ratio | 11.2012% | 5,138 |
| Total risk-based capital ratio | 12.3651% | 5,084 |
| Memoranda: | ||
| Average total assets | $966,380,000 | 776 |
| Average earning assets | $869,816,670 | 790 |
| Average equity | $92,979,330 | 888 |
| Average total loans | $687,190,000 | 764 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3339% | 1,871 |
| Cost of funding earning assets | 0.4975% | 2,109 |
| Net interest margin | 3.8364% | 1,998 |
| Noninterest income to average assets | 0.8750% | 1,322 |
| Noninterest expense to average assets | 3.1042% | 1,853 |
| Loan and lease loss provision to assets | 0.0517% | 2,776 |
| Net operating income to assets | 0.8204% | 3,122 |
| Return on assets (ROA) | 0.8204% | 3,179 |
| Pretax return on assets | 1.1789% | 2,685 |
| Return on Equity (ROE) | 8.6507% | 2,586 |
| Retained earnings to average equity (ytd only) | 8.6507% | 1,207 |
| Net charge-offs to loans | 0.0340% | 2,097 |
| Credit loss provision to net charge-offs | 215.5172% | 966 |
| Earnings coverage of net charge-offs (x) | 51.3103% | 884 |
| Efficiency ratio | 71.4013% | 2,680 |
| Assets per employee ($millions) | 3.0137% | 5,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 2,526 |
| Loan loss allowance to noncurrent loans | 120.5994% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.7951% | 2,311 |
| Noncurrent loans to loans | 1.0793% | 1,900 |
| Net loans and leases to total assets | 69.2750% | 2,493 |
| Net loans and leases to deposits | 82.2678% | 2,469 |
| Net loans and leases to core deposits | 86.4834% | 2,677 |
| Total domestic deposits to total assets | 84.2067% | 3,392 |
| Equity capital to assets | 9.5583% | 4,222 |
| Core capital (leverage) ratio | 8.8892% | 4,855 |
| Tier 1 risk-based capital ratio | 11.1774% | 5,216 |
| Total risk-based capital ratio | 12.3441% | 5,158 |
| Memoranda: | ||
| Average total assets | $967,326,500 | 781 |
| Average earning assets | $872,377,000 | 793 |
| Average equity | $91,738,500 | 892 |
| Average total loans | $682,103,500 | 767 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2832% | 2,200 |
| Cost of funding earning assets | 0.5699% | 1,539 |
| Net interest margin | 3.7134% | 2,631 |
| Noninterest income to average assets | 0.9005% | 1,413 |
| Noninterest expense to average assets | 3.0439% | 2,208 |
| Loan and lease loss provision to assets | 0.0663% | 3,038 |
| Net operating income to assets | 0.8066% | 3,275 |
| Return on assets (ROA) | 0.8475% | 3,192 |
| Pretax return on assets | 1.2188% | 2,594 |
| Return on Equity (ROE) | 9.1613% | 2,339 |
| Retained earnings to average equity (ytd only) | 7.2508% | 1,134 |
| Net charge-offs to loans | 0.0254% | 3,531 |
| Credit loss provision to net charge-offs | 377.5148% | 829 |
| Earnings coverage of net charge-offs (x) | 69.8284% | 794 |
| Efficiency ratio | 71.0231% | 2,742 |
| Assets per employee ($millions) | 2.9852% | 5,364 |
| Cash dividends to net income (ytd only)* | 20.8538% | 3,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 2,565 |
| Loan loss allowance to noncurrent loans | 215.1109% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.4674% | 3,389 |
| Noncurrent loans to loans | 0.6025% | 3,045 |
| Net loans and leases to total assets | 69.9260% | 2,481 |
| Net loans and leases to deposits | 82.8437% | 2,569 |
| Net loans and leases to core deposits | 87.4239% | 2,734 |
| Total domestic deposits to total assets | 84.4071% | 3,267 |
| Equity capital to assets | 9.4082% | 4,365 |
| Core capital (leverage) ratio | 8.6643% | 5,113 |
| Tier 1 risk-based capital ratio | 10.9531% | 5,365 |
| Total risk-based capital ratio | 12.1156% | 5,302 |
| Memoranda: | ||
| Average total assets | $961,938,800 | 754 |
| Average earning assets | $873,029,600 | 749 |
| Average equity | $88,982,800 | 896 |
| Average total loans | $664,115,400 | 750 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2527% | 2,326 |
| Cost of funding earning assets | 0.5767% | 1,507 |
| Net interest margin | 3.6761% | 2,809 |
| Noninterest income to average assets | 0.8998% | 1,405 |
| Noninterest expense to average assets | 3.0452% | 2,184 |
| Loan and lease loss provision to assets | 0.0669% | 2,880 |
| Net operating income to assets | 0.7858% | 3,432 |
| Return on assets (ROA) | 0.8402% | 3,313 |
| Pretax return on assets | 1.2056% | 2,810 |
| Return on Equity (ROE) | 9.1219% | 2,434 |
| Retained earnings to average equity (ytd only) | 8.2192% | 1,078 |
| Net charge-offs to loans | 0.0170% | 3,382 |
| Credit loss provision to net charge-offs | 575.0000% | 635 |
| Earnings coverage of net charge-offs (x) | 102.6403% | 644 |
| Efficiency ratio | 71.5649% | 2,638 |
| Assets per employee ($millions) | 3.0147% | 5,379 |
| Cash dividends to net income (ytd only)* | 9.8961% | 3,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 2,680 |
| Loan loss allowance to noncurrent loans | 266.0589% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.3777% | 3,905 |
| Noncurrent loans to loans | 0.4894% | 3,534 |
| Net loans and leases to total assets | 68.3770% | 2,742 |
| Net loans and leases to deposits | 83.1368% | 2,585 |
| Net loans and leases to core deposits | 87.8532% | 2,776 |
| Total domestic deposits to total assets | 82.2463% | 3,858 |
| Equity capital to assets | 9.4409% | 4,727 |
| Core capital (leverage) ratio | 8.4478% | 5,401 |
| Tier 1 risk-based capital ratio | 10.6667% | 5,542 |
| Total risk-based capital ratio | 11.8036% | 5,520 |
| Memoranda: | ||
| Average total assets | $962,113,250 | 755 |
| Average earning assets | $874,213,500 | 752 |
| Average equity | $88,619,750 | 904 |
| Average total loans | $659,898,500 | 751 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2254% | 2,428 |
| Cost of funding earning assets | 0.5683% | 1,558 |
| Net interest margin | 3.6571% | 2,870 |
| Noninterest income to average assets | 0.9026% | 1,368 |
| Noninterest expense to average assets | 3.0326% | 2,245 |
| Loan and lease loss provision to assets | 0.0746% | 2,644 |
| Net operating income to assets | 0.7806% | 3,400 |
| Return on assets (ROA) | 0.8388% | 3,274 |
| Pretax return on assets | 1.2047% | 2,767 |
| Return on Equity (ROE) | 9.1837% | 2,413 |
| Retained earnings to average equity (ytd only) | 7.8141% | 1,239 |
| Net charge-offs to loans | 0.0183% | 3,139 |
| Credit loss provision to net charge-offs | 596.6667% | 575 |
| Earnings coverage of net charge-offs (x) | 95.6167% | 606 |
| Efficiency ratio | 71.4624% | 2,751 |
| Assets per employee ($millions) | 2.9784% | 5,455 |
| Cash dividends to net income (ytd only)* | 14.9142% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 2,780 |
| Loan loss allowance to noncurrent loans | 256.7487% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.3889% | 3,939 |
| Noncurrent loans to loans | 0.5066% | 3,564 |
| Net loans and leases to total assets | 67.8503% | 2,800 |
| Net loans and leases to deposits | 83.4260% | 2,539 |
| Net loans and leases to core deposits | 88.0941% | 2,716 |
| Total domestic deposits to total assets | 81.3299% | 4,177 |
| Equity capital to assets | 9.2880% | 4,987 |
| Core capital (leverage) ratio | 8.3112% | 5,528 |
| Tier 1 risk-based capital ratio | 10.5328% | 5,661 |
| Total risk-based capital ratio | 11.6691% | 5,626 |
| Memoranda: | ||
| Average total assets | $959,243,330 | 759 |
| Average earning assets | $872,440,330 | 755 |
| Average equity | $87,611,330 | 911 |
| Average total loans | $655,695,670 | 754 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1886% | 2,515 |
| Cost of funding earning assets | 0.5525% | 1,681 |
| Net interest margin | 3.6361% | 2,933 |
| Noninterest income to average assets | 0.9413% | 1,204 |
| Noninterest expense to average assets | 3.0567% | 2,219 |
| Loan and lease loss provision to assets | 0.0976% | 2,065 |
| Net operating income to assets | 0.7593% | 3,442 |
| Return on assets (ROA) | 0.8747% | 2,992 |
| Pretax return on assets | 1.2596% | 2,471 |
| Return on Equity (ROE) | 9.6595% | 2,130 |
| Retained earnings to average equity (ytd only) | 9.6595% | 936 |
| Net charge-offs to loans | 0.0430% | 2,143 |
| Credit loss provision to net charge-offs | 332.8571% | 802 |
| Earnings coverage of net charge-offs (x) | 40.5857% | 1,003 |
| Efficiency ratio | 71.7301% | 2,839 |
| Assets per employee ($millions) | 3.0028% | 5,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 2,930 |
| Loan loss allowance to noncurrent loans | 244.6870% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.3859% | 4,042 |
| Noncurrent loans to loans | 0.5293% | 3,602 |
| Net loans and leases to total assets | 66.7381% | 2,854 |
| Net loans and leases to deposits | 81.4649% | 2,607 |
| Net loans and leases to core deposits | 86.0161% | 2,747 |
| Total domestic deposits to total assets | 81.9226% | 4,251 |
| Equity capital to assets | 9.0275% | 5,146 |
| Core capital (leverage) ratio | 8.4200% | 5,466 |
| Tier 1 risk-based capital ratio | 10.5360% | 5,735 |
| Total risk-based capital ratio | 11.6741% | 5,704 |
| Memoranda: | ||
| Average total assets | $954,876,000 | 759 |
| Average earning assets | $868,079,500 | 763 |
| Average equity | $86,464,000 | 920 |
| Average total loans | $650,828,000 | 760 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3058% | 2,213 |
| Cost of funding earning assets | 0.5499% | 1,757 |
| Net interest margin | 3.7559% | 2,533 |
| Noninterest income to average assets | 0.7869% | 1,839 |
| Noninterest expense to average assets | 3.0590% | 2,354 |
| Loan and lease loss provision to assets | 0.0722% | 2,827 |
| Net operating income to assets | 0.7650% | 3,493 |
| Return on assets (ROA) | 0.7650% | 3,584 |
| Pretax return on assets | 1.0669% | 3,200 |
| Return on Equity (ROE) | 8.4465% | 2,738 |
| Retained earnings to average equity (ytd only) | 6.8699% | 1,338 |
| Net charge-offs to loans | 0.0484% | 3,233 |
| Credit loss provision to net charge-offs | 219.0000% | 1,294 |
| Earnings coverage of net charge-offs (x) | 34.5700% | 1,310 |
| Efficiency ratio | 72.6283% | 2,804 |
| Assets per employee ($millions) | 2.8303% | 5,673 |
| Cash dividends to net income (ytd only)* | 18.6648% | 3,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2980% | 2,917 |
| Loan loss allowance to noncurrent loans | 251.4896% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.4087% | 3,965 |
| Noncurrent loans to loans | 0.5161% | 3,629 |
| Net loans and leases to total assets | 67.8318% | 2,725 |
| Net loans and leases to deposits | 81.8138% | 2,613 |
| Net loans and leases to core deposits | 85.0423% | 2,873 |
| Total domestic deposits to total assets | 82.9100% | 3,867 |
| Equity capital to assets | 9.0836% | 5,032 |
| Core capital (leverage) ratio | 8.3032% | 5,601 |
| Tier 1 risk-based capital ratio | 10.4455% | 5,799 |
| Total risk-based capital ratio | 11.5828% | 5,774 |
| Memoranda: | ||
| Average total assets | $910,457,600 | 757 |
| Average earning assets | $826,913,200 | 755 |
| Average equity | $82,460,600 | 920 |
| Average total loans | $619,856,800 | 756 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2868% | 2,279 |
| Cost of funding earning assets | 0.5538% | 1,770 |
| Net interest margin | 3.7330% | 2,638 |
| Noninterest income to average assets | 0.7646% | 1,962 |
| Noninterest expense to average assets | 3.0286% | 2,438 |
| Loan and lease loss provision to assets | 0.0783% | 2,608 |
| Net operating income to assets | 0.7510% | 3,677 |
| Return on assets (ROA) | 0.7510% | 3,771 |
| Pretax return on assets | 1.0503% | 3,408 |
| Return on Equity (ROE) | 8.2980% | 2,925 |
| Retained earnings to average equity (ytd only) | 7.4830% | 1,453 |
| Net charge-offs to loans | 0.0502% | 2,898 |
| Credit loss provision to net charge-offs | 229.8701% | 1,207 |
| Earnings coverage of net charge-offs (x) | 33.1215% | 1,404 |
| Efficiency ratio | 72.6208% | 2,773 |
| Assets per employee ($millions) | 2.9377% | 5,610 |
| Cash dividends to net income (ytd only)* | 9.8213% | 3,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 3,023 |
| Loan loss allowance to noncurrent loans | 262.9911% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.3952% | 4,195 |
| Noncurrent loans to loans | 0.4990% | 3,853 |
| Net loans and leases to total assets | 67.4518% | 2,781 |
| Net loans and leases to deposits | 81.2394% | 2,735 |
| Net loans and leases to core deposits | 85.4637% | 2,906 |
| Total domestic deposits to total assets | 83.0284% | 3,812 |
| Equity capital to assets | 9.1328% | 5,179 |
| Core capital (leverage) ratio | 8.3276% | 5,692 |
| Tier 1 risk-based capital ratio | 10.4919% | 5,882 |
| Total risk-based capital ratio | 11.6442% | 5,858 |
| Memoranda: | ||
| Average total assets | $903,861,500 | 768 |
| Average earning assets | $821,442,250 | 767 |
| Average equity | $81,801,000 | 934 |
| Average total loans | $613,862,500 | 770 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2668% | 2,293 |
| Cost of funding earning assets | 0.5550% | 1,776 |
| Net interest margin | 3.7118% | 2,660 |
| Noninterest income to average assets | 0.7267% | 2,105 |
| Noninterest expense to average assets | 3.0097% | 2,523 |
| Loan and lease loss provision to assets | 0.0890% | 2,329 |
| Net operating income to assets | 0.7247% | 3,767 |
| Return on assets (ROA) | 0.7247% | 3,888 |
| Pretax return on assets | 1.0064% | 3,564 |
| Return on Equity (ROE) | 8.0324% | 3,034 |
| Retained earnings to average equity (ytd only) | 8.0324% | 1,255 |
| Net charge-offs to loans | 0.0280% | 3,104 |
| Credit loss provision to net charge-offs | 469.4118% | 658 |
| Earnings coverage of net charge-offs (x) | 57.7765% | 859 |
| Efficiency ratio | 73.0888% | 2,822 |
| Assets per employee ($millions) | 2.8744% | 5,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3449% | 3,009 |
| Loan loss allowance to noncurrent loans | 271.0792% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.4487% | 4,135 |
| Noncurrent loans to loans | 0.4961% | 3,986 |
| Net loans and leases to total assets | 68.4438% | 2,579 |
| Net loans and leases to deposits | 81.8285% | 2,582 |
| Net loans and leases to core deposits | 86.2910% | 2,737 |
| Total domestic deposits to total assets | 83.6429% | 3,717 |
| Equity capital to assets | 9.2454% | 4,962 |
| Core capital (leverage) ratio | 8.4375% | 5,589 |
| Tier 1 risk-based capital ratio | 10.7288% | 5,831 |
| Total risk-based capital ratio | 11.9050% | 5,798 |
| Memoranda: | ||
| Average total assets | $896,690,000 | 782 |
| Average earning assets | $816,154,330 | 778 |
| Average equity | $80,897,000 | 950 |
| Average total loans | $607,655,670 | 776 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1863% | 2,513 |
| Cost of funding earning assets | 0.5478% | 1,866 |
| Net interest margin | 3.6384% | 2,864 |
| Noninterest income to average assets | 0.6817% | 2,249 |
| Noninterest expense to average assets | 2.9465% | 2,751 |
| Loan and lease loss provision to assets | 0.0774% | 2,408 |
| Net operating income to assets | 0.6977% | 3,813 |
| Return on assets (ROA) | 0.6977% | 3,940 |
| Pretax return on assets | 0.9685% | 3,610 |
| Return on Equity (ROE) | 7.8300% | 3,054 |
| Retained earnings to average equity (ytd only) | 7.8300% | 1,637 |
| Net charge-offs to loans | 0.0704% | 2,023 |
| Credit loss provision to net charge-offs | 164.1509% | 1,188 |
| Earnings coverage of net charge-offs (x) | 22.1887% | 1,357 |
| Efficiency ratio | 73.5687% | 2,887 |
| Assets per employee ($millions) | 2.9971% | 5,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 3,220 |
| Loan loss allowance to noncurrent loans | 236.5289% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.5914% | 3,703 |
| Noncurrent loans to loans | 0.5645% | 3,896 |
| Net loans and leases to total assets | 65.6529% | 2,829 |
| Net loans and leases to deposits | 78.4687% | 2,742 |
| Net loans and leases to core deposits | 82.9215% | 2,877 |
| Total domestic deposits to total assets | 83.6676% | 3,948 |
| Equity capital to assets | 8.9672% | 5,332 |
| Core capital (leverage) ratio | 8.3587% | 5,676 |
| Tier 1 risk-based capital ratio | 10.7074% | 5,932 |
| Total risk-based capital ratio | 11.8724% | 5,897 |
| Memoranda: | ||
| Average total assets | $899,496,500 | 785 |
| Average earning assets | $818,482,500 | 780 |
| Average equity | $80,153,500 | 957 |
| Average total loans | $602,383,000 | 778 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3837% | 2,276 |
| Cost of funding earning assets | 0.5731% | 2,016 |
| Net interest margin | 3.8106% | 2,589 |
| Noninterest income to average assets | 0.8195% | 1,796 |
| Noninterest expense to average assets | 3.0256% | 2,766 |
| Loan and lease loss provision to assets | 0.1252% | 2,091 |
| Net operating income to assets | 0.8068% | 3,338 |
| Return on assets (ROA) | 0.8426% | 3,251 |
| Pretax return on assets | 1.1681% | 2,789 |
| Return on Equity (ROE) | 9.5201% | 2,330 |
| Retained earnings to average equity (ytd only) | 8.1264% | 979 |
| Net charge-offs to loans | 0.0477% | 3,871 |
| Credit loss provision to net charge-offs | 396.2825% | 658 |
| Earnings coverage of net charge-offs (x) | 39.3457% | 1,101 |
| Efficiency ratio | 70.6379% | 3,438 |
| Assets per employee ($millions) | 2.9996% | 5,698 |
| Cash dividends to net income (ytd only)* | 14.6403% | 3,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3322% | 3,261 |
| Loan loss allowance to noncurrent loans | 275.2925% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.5346% | 4,015 |
| Noncurrent loans to loans | 0.4839% | 4,215 |
| Net loans and leases to total assets | 66.5068% | 2,808 |
| Net loans and leases to deposits | 79.3237% | 2,804 |
| Net loans and leases to core deposits | 82.2657% | 3,074 |
| Total domestic deposits to total assets | 83.8423% | 3,788 |
| Equity capital to assets | 8.8536% | 5,426 |
| Core capital (leverage) ratio | 8.3542% | 5,721 |
| Tier 1 risk-based capital ratio | 10.7969% | 5,992 |
| Total risk-based capital ratio | 11.9973% | 5,946 |
| Memoranda: | ||
| Average total assets | $851,130,800 | 790 |
| Average earning assets | $770,510,200 | 789 |
| Average equity | $75,335,000 | 972 |
| Average total loans | $564,052,600 | 791 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3778% | 2,302 |
| Cost of funding earning assets | 0.5776% | 2,039 |
| Net interest margin | 3.8002% | 2,625 |
| Noninterest income to average assets | 0.8388% | 1,746 |
| Noninterest expense to average assets | 3.0243% | 2,718 |
| Loan and lease loss provision to assets | 0.1222% | 2,043 |
| Net operating income to assets | 0.8111% | 3,376 |
| Return on assets (ROA) | 0.8594% | 3,221 |
| Pretax return on assets | 1.1965% | 2,789 |
| Return on Equity (ROE) | 9.7100% | 2,346 |
| Retained earnings to average equity (ytd only) | 9.0832% | 968 |
| Net charge-offs to loans | 0.0396% | 3,711 |
| Credit loss provision to net charge-offs | 467.2727% | 609 |
| Earnings coverage of net charge-offs (x) | 47.8616% | 1,004 |
| Efficiency ratio | 70.4908% | 3,421 |
| Assets per employee ($millions) | 2.7500% | 6,028 |
| Cash dividends to net income (ytd only)* | 6.4553% | 3,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 3,419 |
| Loan loss allowance to noncurrent loans | 183.2238% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.6393% | 3,919 |
| Noncurrent loans to loans | 0.7341% | 3,765 |
| Net loans and leases to total assets | 67.8467% | 2,562 |
| Net loans and leases to deposits | 82.6007% | 2,345 |
| Net loans and leases to core deposits | 87.0523% | 2,537 |
| Total domestic deposits to total assets | 82.1382% | 4,433 |
| Equity capital to assets | 9.1889% | 5,157 |
| Core capital (leverage) ratio | 8.4135% | 5,745 |
| Tier 1 risk-based capital ratio | 10.8682% | 6,054 |
| Total risk-based capital ratio | 12.0654% | 6,029 |
| Memoranda: | ||
| Average total assets | $841,195,750 | 806 |
| Average earning assets | $760,846,500 | 805 |
| Average equity | $74,450,250 | 984 |
| Average total loans | $554,943,250 | 797 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3260% | 2,496 |
| Cost of funding earning assets | 0.5758% | 2,108 |
| Net interest margin | 3.7501% | 2,758 |
| Noninterest income to average assets | 0.8041% | 1,825 |
| Noninterest expense to average assets | 2.9939% | 2,851 |
| Loan and lease loss provision to assets | 0.1245% | 1,984 |
| Net operating income to assets | 0.7735% | 3,452 |
| Return on assets (ROA) | 0.8460% | 3,196 |
| Pretax return on assets | 1.1755% | 2,779 |
| Return on Equity (ROE) | 9.6829% | 2,289 |
| Retained earnings to average equity (ytd only) | 8.7293% | 1,068 |
| Net charge-offs to loans | 0.0450% | 3,335 |
| Credit loss provision to net charge-offs | 425.2033% | 662 |
| Earnings coverage of net charge-offs (x) | 40.9593% | 1,040 |
| Efficiency ratio | 71.1609% | 3,476 |
| Assets per employee ($millions) | 2.8762% | 5,919 |
| Cash dividends to net income (ytd only)* | 9.8481% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3451% | 3,613 |
| Loan loss allowance to noncurrent loans | 192.8227% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.6227% | 4,103 |
| Noncurrent loans to loans | 0.6976% | 3,968 |
| Net loans and leases to total assets | 66.3949% | 2,697 |
| Net loans and leases to deposits | 80.8639% | 2,399 |
| Net loans and leases to core deposits | 83.3774% | 2,804 |
| Total domestic deposits to total assets | 82.1070% | 4,608 |
| Equity capital to assets | 9.0204% | 5,275 |
| Core capital (leverage) ratio | 8.3019% | 5,846 |
| Tier 1 risk-based capital ratio | 10.8150% | 6,122 |
| Total risk-based capital ratio | 12.0068% | 6,101 |
| Memoranda: | ||
| Average total assets | $840,177,670 | 804 |
| Average earning assets | $759,276,670 | 809 |
| Average equity | $73,408,000 | 993 |
| Average total loans | $546,389,330 | 802 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2669% | 2,645 |
| Cost of funding earning assets | 0.5776% | 2,174 |
| Net interest margin | 3.6893% | 2,907 |
| Noninterest income to average assets | 0.7245% | 2,063 |
| Noninterest expense to average assets | 3.0097% | 2,835 |
| Loan and lease loss provision to assets | 0.0685% | 2,761 |
| Net operating income to assets | 0.7070% | 3,652 |
| Return on assets (ROA) | 0.8101% | 3,176 |
| Pretax return on assets | 1.1248% | 2,792 |
| Return on Equity (ROE) | 9.4251% | 2,280 |
| Retained earnings to average equity (ytd only) | 9.4251% | 1,132 |
| Net charge-offs to loans | 0.0298% | 2,986 |
| Credit loss provision to net charge-offs | 360.0000% | 697 |
| Earnings coverage of net charge-offs (x) | 55.1500% | 701 |
| Efficiency ratio | 73.8891% | 3,161 |
| Assets per employee ($millions) | 2.8632% | 6,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 3,855 |
| Loan loss allowance to noncurrent loans | 270.7299% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.4869% | 4,679 |
| Noncurrent loans to loans | 0.4982% | 4,668 |
| Net loans and leases to total assets | 63.4875% | 2,979 |
| Net loans and leases to deposits | 77.3768% | 2,645 |
| Net loans and leases to core deposits | 80.7983% | 2,875 |
| Total domestic deposits to total assets | 82.0498% | 4,930 |
| Equity capital to assets | 8.7379% | 5,410 |
| Core capital (leverage) ratio | 8.0569% | 6,082 |
| Tier 1 risk-based capital ratio | 10.8842% | 6,205 |
| Total risk-based capital ratio | 12.0629% | 6,196 |
| Memoranda: | ||
| Average total assets | $840,340,500 | 811 |
| Average earning assets | $759,711,000 | 816 |
| Average equity | $72,233,000 | 1,007 |
| Average total loans | $536,973,000 | 819 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3289% | 2,849 |
| Cost of funding earning assets | 0.6656% | 2,068 |
| Net interest margin | 3.6633% | 3,208 |
| Noninterest income to average assets | 0.8447% | 1,887 |
| Noninterest expense to average assets | 2.9423% | 3,224 |
| Loan and lease loss provision to assets | 0.0746% | 3,623 |
| Net operating income to assets | 0.8205% | 3,187 |
| Return on assets (ROA) | 0.8386% | 3,174 |
| Pretax return on assets | 1.1550% | 2,755 |
| Return on Equity (ROE) | 9.7972% | 2,195 |
| Retained earnings to average equity (ytd only) | 6.5205% | 1,671 |
| Net charge-offs to loans | 0.0293% | 4,840 |
| Credit loss provision to net charge-offs | 419.1781% | 549 |
| Earnings coverage of net charge-offs (x) | 67.6781% | 624 |
| Efficiency ratio | 70.6977% | 3,725 |
| Assets per employee ($millions) | 2.9027% | 5,985 |
| Cash dividends to net income (ytd only)* | 33.4448% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3534% | 3,876 |
| Loan loss allowance to noncurrent loans | 253.0032% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.4959% | 4,748 |
| Noncurrent loans to loans | 0.5349% | 4,656 |
| Net loans and leases to total assets | 62.5832% | 3,278 |
| Net loans and leases to deposits | 76.1356% | 2,950 |
| Net loans and leases to core deposits | 80.0370% | 3,130 |
| Total domestic deposits to total assets | 82.1996% | 4,808 |
| Equity capital to assets | 8.4530% | 5,633 |
| Core capital (leverage) ratio | 8.0084% | 6,124 |
| Tier 1 risk-based capital ratio | 10.6756% | 6,309 |
| Total risk-based capital ratio | 11.8451% | 6,295 |
| Memoranda: | ||
| Average total assets | $820,099,800 | 810 |
| Average earning assets | $739,327,200 | 819 |
| Average equity | $70,193,800 | 1,018 |
| Average total loans | $497,763,400 | 855 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3290% | 2,874 |
| Cost of funding earning assets | 0.6846% | 2,062 |
| Net interest margin | 3.6444% | 3,259 |
| Noninterest income to average assets | 0.7553% | 2,342 |
| Noninterest expense to average assets | 2.9421% | 3,162 |
| Loan and lease loss provision to assets | 0.0481% | 4,052 |
| Net operating income to assets | 0.7585% | 3,566 |
| Return on assets (ROA) | 0.7824% | 3,571 |
| Pretax return on assets | 1.0816% | 3,186 |
| Return on Equity (ROE) | 9.1122% | 2,583 |
| Retained earnings to average equity (ytd only) | 6.4937% | 2,134 |
| Net charge-offs to loans | 0.0194% | 4,749 |
| Credit loss provision to net charge-offs | 414.0845% | 645 |
| Earnings coverage of net charge-offs (x) | 94.4550% | 517 |
| Efficiency ratio | 72.5900% | 3,302 |
| Assets per employee ($millions) | 2.8317% | 6,102 |
| Cash dividends to net income (ytd only)* | 28.7357% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3955% | 3,914 |
| Loan loss allowance to noncurrent loans | 224.3714% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.6519% | 4,485 |
| Noncurrent loans to loans | 0.6219% | 4,649 |
| Net loans and leases to total assets | 60.5155% | 3,615 |
| Net loans and leases to deposits | 73.7631% | 3,270 |
| Net loans and leases to core deposits | 77.5246% | 3,419 |
| Total domestic deposits to total assets | 82.0404% | 4,916 |
| Equity capital to assets | 8.6525% | 5,563 |
| Core capital (leverage) ratio | 7.8927% | 6,283 |
| Tier 1 risk-based capital ratio | 10.4153% | 6,484 |
| Total risk-based capital ratio | 11.5414% | 6,479 |
| Memoranda: | ||
| Average total assets | $815,403,000 | 821 |
| Average earning assets | $734,630,000 | 828 |
| Average equity | $70,014,500 | 1,027 |
| Average total loans | $489,153,000 | 871 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2965% | 2,965 |
| Cost of funding earning assets | 0.6916% | 2,129 |
| Net interest margin | 3.6050% | 3,335 |
| Noninterest income to average assets | 0.7453% | 2,438 |
| Noninterest expense to average assets | 2.9009% | 3,331 |
| Loan and lease loss provision to assets | 0.0593% | 3,818 |
| Net operating income to assets | 0.7472% | 3,582 |
| Return on assets (ROA) | 0.7830% | 3,550 |
| Pretax return on assets | 1.0839% | 3,160 |
| Return on Equity (ROE) | 9.1427% | 2,557 |
| Retained earnings to average equity (ytd only) | 6.9972% | 1,895 |
| Net charge-offs to loans | 0.0309% | 4,256 |
| Credit loss provision to net charge-offs | 322.6667% | 805 |
| Earnings coverage of net charge-offs (x) | 59.5067% | 705 |
| Efficiency ratio | 72.3670% | 3,410 |
| Assets per employee ($millions) | 2.8237% | 6,128 |
| Cash dividends to net income (ytd only)* | 23.4668% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 4,026 |
| Loan loss allowance to noncurrent loans | 234.1472% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.7341% | 4,380 |
| Noncurrent loans to loans | 0.5984% | 4,760 |
| Net loans and leases to total assets | 59.7556% | 3,702 |
| Net loans and leases to deposits | 72.2104% | 3,420 |
| Net loans and leases to core deposits | 75.0038% | 3,673 |
| Total domestic deposits to total assets | 82.7520% | 4,798 |
| Equity capital to assets | 8.4291% | 5,842 |
| Core capital (leverage) ratio | 7.8172% | 6,294 |
| Tier 1 risk-based capital ratio | 10.4855% | 6,506 |
| Total risk-based capital ratio | 11.6276% | 6,516 |
| Memoranda: | ||
| Average total assets | $816,307,670 | 817 |
| Average earning assets | $735,708,000 | 834 |
| Average equity | $69,913,330 | 1,034 |
| Average total loans | $485,949,670 | 869 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2819% | 2,966 |
| Cost of funding earning assets | 0.7000% | 2,207 |
| Net interest margin | 3.5820% | 3,334 |
| Noninterest income to average assets | 0.6994% | 2,591 |
| Noninterest expense to average assets | 2.8886% | 3,387 |
| Loan and lease loss provision to assets | 0.0499% | 3,791 |
| Net operating income to assets | 0.7200% | 3,590 |
| Return on assets (ROA) | 0.7346% | 3,649 |
| Pretax return on assets | 1.0070% | 3,317 |
| Return on Equity (ROE) | 8.5104% | 2,714 |
| Retained earnings to average equity (ytd only) | 4.2609% | 3,676 |
| Net charge-offs to loans | 0.0489% | 3,346 |
| Credit loss provision to net charge-offs | 172.8814% | 1,222 |
| Earnings coverage of net charge-offs (x) | 35.9322% | 861 |
| Efficiency ratio | 73.3242% | 3,388 |
| Assets per employee ($millions) | 2.8724% | 6,184 |
| Cash dividends to net income (ytd only)* | 49.9334% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 4,226 |
| Loan loss allowance to noncurrent loans | 219.7343% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.6814% | 4,677 |
| Noncurrent loans to loans | 0.6374% | 4,851 |
| Net loans and leases to total assets | 58.7226% | 3,668 |
| Net loans and leases to deposits | 71.1282% | 3,307 |
| Net loans and leases to core deposits | 73.9446% | 3,586 |
| Total domestic deposits to total assets | 82.5588% | 5,004 |
| Equity capital to assets | 8.7127% | 5,800 |
| Core capital (leverage) ratio | 7.6716% | 6,371 |
| Tier 1 risk-based capital ratio | 10.5735% | 6,558 |
| Total risk-based capital ratio | 11.7361% | 6,564 |
| Memoranda: | ||
| Average total assets | $817,848,500 | 819 |
| Average earning assets | $736,581,000 | 834 |
| Average equity | $70,596,000 | 1,034 |
| Average total loans | $482,498,000 | 882 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4679% | 3,533 |
| Cost of funding earning assets | 0.8699% | 2,139 |
| Net interest margin | 3.5980% | 4,089 |
| Noninterest income to average assets | 0.7731% | 2,373 |
| Noninterest expense to average assets | 2.9000% | 3,641 |
| Loan and lease loss provision to assets | 0.1041% | 4,336 |
| Net operating income to assets | 0.7434% | 3,541 |
| Return on assets (ROA) | 0.8162% | 3,457 |
| Pretax return on assets | 1.1208% | 3,079 |
| Return on Equity (ROE) | 9.6394% | 2,340 |
| Retained earnings to average equity (ytd only) | 8.5239% | 957 |
| Net charge-offs to loans | 0.0797% | 4,875 |
| Credit loss provision to net charge-offs | 220.5333% | 1,139 |
| Earnings coverage of net charge-offs (x) | 23.8293% | 1,202 |
| Efficiency ratio | 71.7776% | 3,462 |
| Assets per employee ($millions) | 2.9075% | 6,148 |
| Cash dividends to net income (ytd only)* | 11.5723% | 4,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 4,171 |
| Loan loss allowance to noncurrent loans | 199.8517% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.9378% | 4,156 |
| Noncurrent loans to loans | 0.7010% | 4,784 |
| Net loans and leases to total assets | 57.6232% | 4,039 |
| Net loans and leases to deposits | 69.4046% | 3,778 |
| Net loans and leases to core deposits | 71.8687% | 4,058 |
| Total domestic deposits to total assets | 83.0251% | 4,718 |
| Equity capital to assets | 8.5521% | 6,008 |
| Core capital (leverage) ratio | 7.5983% | 6,447 |
| Tier 1 risk-based capital ratio | 10.4735% | 6,564 |
| Total risk-based capital ratio | 11.6362% | 6,561 |
| Memoranda: | ||
| Average total assets | $794,079,800 | 835 |
| Average earning assets | $717,757,200 | 833 |
| Average equity | $67,234,800 | 1,045 |
| Average total loans | $470,460,800 | 870 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5038% | 3,622 |
| Cost of funding earning assets | 0.9024% | 2,155 |
| Net interest margin | 3.6014% | 4,231 |
| Noninterest income to average assets | 0.7665% | 2,401 |
| Noninterest expense to average assets | 2.9003% | 3,594 |
| Loan and lease loss provision to assets | 0.1059% | 4,243 |
| Net operating income to assets | 0.7552% | 3,673 |
| Return on assets (ROA) | 0.8284% | 3,553 |
| Pretax return on assets | 1.1215% | 3,266 |
| Return on Equity (ROE) | 9.8094% | 2,441 |
| Retained earnings to average equity (ytd only) | 8.3046% | 1,494 |
| Net charge-offs to loans | 0.0881% | 4,499 |
| Credit loss provision to net charge-offs | 202.2654% | 1,364 |
| Earnings coverage of net charge-offs (x) | 21.5534% | 1,400 |
| Efficiency ratio | 71.7206% | 3,374 |
| Assets per employee ($millions) | 2.8664% | 6,266 |
| Cash dividends to net income (ytd only)* | 15.3406% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4047% | 4,354 |
| Loan loss allowance to noncurrent loans | 171.7222% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 1.3272% | 3,640 |
| Noncurrent loans to loans | 0.8180% | 4,779 |
| Net loans and leases to total assets | 57.9349% | 4,148 |
| Net loans and leases to deposits | 70.5697% | 3,818 |
| Net loans and leases to core deposits | 74.9854% | 3,852 |
| Total domestic deposits to total assets | 82.0961% | 4,983 |
| Equity capital to assets | 8.6645% | 6,131 |
| Core capital (leverage) ratio | 7.4590% | 6,641 |
| Tier 1 risk-based capital ratio | 10.6273% | 6,622 |
| Total risk-based capital ratio | 11.8149% | 6,626 |
| Memoranda: | ||
| Average total assets | $786,895,000 | 846 |
| Average earning assets | $712,775,750 | 845 |
| Average equity | $66,451,500 | 1,065 |
| Average total loans | $467,858,000 | 880 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5358% | 3,624 |
| Cost of funding earning assets | 0.9331% | 2,160 |
| Net interest margin | 3.6027% | 4,249 |
| Noninterest income to average assets | 0.7976% | 2,192 |
| Noninterest expense to average assets | 2.8926% | 3,651 |
| Loan and lease loss provision to assets | 0.1334% | 3,861 |
| Net operating income to assets | 0.7679% | 3,522 |
| Return on assets (ROA) | 0.8244% | 3,538 |
| Pretax return on assets | 1.1170% | 3,243 |
| Return on Equity (ROE) | 9.8497% | 2,417 |
| Retained earnings to average equity (ytd only) | 7.5598% | 1,835 |
| Net charge-offs to loans | 0.0963% | 4,196 |
| Credit loss provision to net charge-offs | 232.0000% | 1,228 |
| Earnings coverage of net charge-offs (x) | 20.4178% | 1,388 |
| Efficiency ratio | 70.8666% | 3,622 |
| Assets per employee ($millions) | 2.8543% | 6,310 |
| Cash dividends to net income (ytd only)* | 23.2486% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4103% | 4,416 |
| Loan loss allowance to noncurrent loans | 544.8675% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.9232% | 4,524 |
| Noncurrent loans to loans | 0.2588% | 6,059 |
| Net loans and leases to total assets | 57.5716% | 4,239 |
| Net loans and leases to deposits | 69.3592% | 3,987 |
| Net loans and leases to core deposits | 71.9172% | 4,306 |
| Total domestic deposits to total assets | 83.0050% | 4,752 |
| Equity capital to assets | 8.4041% | 6,303 |
| Core capital (leverage) ratio | 7.2944% | 6,722 |
| Tier 1 risk-based capital ratio | 10.6561% | 6,638 |
| Total risk-based capital ratio | 11.8783% | 6,638 |
| Memoranda: | ||
| Average total assets | $782,619,000 | 850 |
| Average earning assets | $710,136,000 | 850 |
| Average equity | $65,504,670 | 1,074 |
| Average total loans | $467,170,670 | 880 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5805% | 3,594 |
| Cost of funding earning assets | 0.9723% | 2,141 |
| Net interest margin | 3.6082% | 4,229 |
| Noninterest income to average assets | 0.7837% | 2,242 |
| Noninterest expense to average assets | 2.9151% | 3,563 |
| Loan and lease loss provision to assets | 0.1984% | 2,957 |
| Net operating income to assets | 0.7009% | 3,878 |
| Return on assets (ROA) | 0.8152% | 3,552 |
| Pretax return on assets | 1.1029% | 3,312 |
| Return on Equity (ROE) | 9.7597% | 2,488 |
| Retained earnings to average equity (ytd only) | 5.1211% | 3,487 |
| Net charge-offs to loans | 0.1352% | 3,295 |
| Credit loss provision to net charge-offs | 243.0380% | 1,171 |
| Earnings coverage of net charge-offs (x) | 14.0506% | 1,493 |
| Efficiency ratio | 71.4994% | 3,534 |
| Assets per employee ($millions) | 2.8450% | 6,442 |
| Cash dividends to net income (ytd only)* | 47.5285% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 4,621 |
| Loan loss allowance to noncurrent loans | 191.4168% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 1.0107% | 4,469 |
| Noncurrent loans to loans | 0.7314% | 5,199 |
| Net loans and leases to total assets | 58.6240% | 3,935 |
| Net loans and leases to deposits | 70.5105% | 3,652 |
| Net loans and leases to core deposits | 74.3223% | 3,861 |
| Total domestic deposits to total assets | 83.1422% | 4,869 |
| Equity capital to assets | 8.3358% | 6,237 |
| Core capital (leverage) ratio | 7.2741% | 6,736 |
| Tier 1 risk-based capital ratio | 10.6681% | 6,687 |
| Total risk-based capital ratio | 11.9150% | 6,668 |
| Memoranda: | ||
| Average total assets | $774,324,500 | 859 |
| Average earning assets | $703,511,000 | 859 |
| Average equity | $64,674,000 | 1,089 |
| Average total loans | $467,406,500 | 880 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9344% | 3,185 |
| Cost of funding earning assets | 1.1689% | 2,228 |
| Net interest margin | 3.7654% | 4,001 |
| Noninterest income to average assets | 0.7200% | 2,495 |
| Noninterest expense to average assets | 3.0106% | 3,556 |
| Loan and lease loss provision to assets | 0.1707% | 4,502 |
| Net operating income to assets | 0.6835% | 3,564 |
| Return on assets (ROA) | 0.7476% | 3,437 |
| Pretax return on assets | 1.0398% | 3,082 |
| Return on Equity (ROE) | 8.9785% | 2,458 |
| Retained earnings to average equity (ytd only) | 7.1857% | 1,412 |
| Net charge-offs to loans | 0.1990% | 4,547 |
| Credit loss provision to net charge-offs | 135.7066% | 2,210 |
| Earnings coverage of net charge-offs (x) | 8.9159% | 2,067 |
| Efficiency ratio | 72.5789% | 3,468 |
| Assets per employee ($millions) | 2.8593% | 6,361 |
| Cash dividends to net income (ytd only)* | 19.9673% | 3,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3384% | 4,717 |
| Loan loss allowance to noncurrent loans | 166.2523% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.7158% | 5,208 |
| Noncurrent loans to loans | 0.8051% | 5,081 |
| Net loans and leases to total assets | 60.4686% | 3,900 |
| Net loans and leases to deposits | 72.8305% | 3,690 |
| Net loans and leases to core deposits | 76.1609% | 3,961 |
| Total domestic deposits to total assets | 83.0265% | 4,739 |
| Equity capital to assets | 8.3692% | 6,281 |
| Core capital (leverage) ratio | 7.3250% | 6,736 |
| Tier 1 risk-based capital ratio | 10.6975% | 6,605 |
| Total risk-based capital ratio | 11.9272% | 6,587 |
| Memoranda: | ||
| Average total assets | $736,936,000 | 889 |
| Average earning assets | $667,785,800 | 891 |
| Average equity | $61,358,000 | 1,098 |
| Average total loans | $465,762,800 | 896 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9711% | 3,237 |
| Cost of funding earning assets | 1.2142% | 2,233 |
| Net interest margin | 3.7569% | 4,080 |
| Noninterest income to average assets | 0.7666% | 2,216 |
| Noninterest expense to average assets | 3.0414% | 3,394 |
| Loan and lease loss provision to assets | 0.1146% | 4,994 |
| Net operating income to assets | 0.7128% | 3,543 |
| Return on assets (ROA) | 0.7787% | 3,426 |
| Pretax return on assets | 1.1074% | 2,977 |
| Return on Equity (ROE) | 9.3649% | 2,442 |
| Retained earnings to average equity (ytd only) | 7.8265% | 1,575 |
| Net charge-offs to loans | 0.1110% | 4,899 |
| Credit loss provision to net charge-offs | 162.0155% | 1,895 |
| Earnings coverage of net charge-offs (x) | 15.9482% | 1,430 |
| Efficiency ratio | 72.6671% | 3,427 |
| Assets per employee ($millions) | 2.7608% | 6,561 |
| Cash dividends to net income (ytd only)* | 16.4281% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3367% | 4,838 |
| Loan loss allowance to noncurrent loans | 139.5899% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 1.1820% | 4,424 |
| Noncurrent loans to loans | 0.9576% | 4,968 |
| Net loans and leases to total assets | 61.5718% | 3,821 |
| Net loans and leases to deposits | 75.0844% | 3,496 |
| Net loans and leases to core deposits | 79.2020% | 3,746 |
| Total domestic deposits to total assets | 82.0035% | 5,086 |
| Equity capital to assets | 8.5400% | 6,257 |
| Core capital (leverage) ratio | 7.2815% | 6,866 |
| Tier 1 risk-based capital ratio | 10.7346% | 6,695 |
| Total risk-based capital ratio | 11.9704% | 6,679 |
| Memoranda: | ||
| Average total assets | $729,598,250 | 903 |
| Average earning assets | $660,816,250 | 904 |
| Average equity | $60,664,500 | 1,115 |
| Average total loans | $464,791,250 | 913 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9890% | 3,205 |
| Cost of funding earning assets | 1.2479% | 2,263 |
| Net interest margin | 3.7411% | 4,078 |
| Noninterest income to average assets | 0.7542% | 2,243 |
| Noninterest expense to average assets | 3.0635% | 3,384 |
| Loan and lease loss provision to assets | 0.0841% | 5,264 |
| Net operating income to assets | 0.7113% | 3,488 |
| Return on assets (ROA) | 0.7148% | 3,583 |
| Pretax return on assets | 1.0010% | 3,236 |
| Return on Equity (ROE) | 8.6769% | 2,644 |
| Retained earnings to average equity (ytd only) | 7.1705% | 1,799 |
| Net charge-offs to loans | 0.0714% | 4,926 |
| Credit loss provision to net charge-offs | 183.7349% | 1,646 |
| Earnings coverage of net charge-offs (x) | 23.5964% | 1,087 |
| Efficiency ratio | 73.6523% | 3,426 |
| Assets per employee ($millions) | 2.7495% | 6,569 |
| Cash dividends to net income (ytd only)* | 17.3611% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 4,979 |
| Loan loss allowance to noncurrent loans | 131.4280% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 1.2309% | 4,436 |
| Noncurrent loans to loans | 1.0025% | 4,994 |
| Net loans and leases to total assets | 62.3992% | 3,815 |
| Net loans and leases to deposits | 75.4115% | 3,576 |
| Net loans and leases to core deposits | 79.2221% | 3,897 |
| Total domestic deposits to total assets | 82.7450% | 4,881 |
| Equity capital to assets | 8.4324% | 6,260 |
| Core capital (leverage) ratio | 7.2122% | 6,913 |
| Tier 1 risk-based capital ratio | 10.6061% | 6,751 |
| Total risk-based capital ratio | 11.8400% | 6,750 |
| Memoranda: | ||
| Average total assets | $725,242,330 | 917 |
| Average earning assets | $657,087,670 | 920 |
| Average equity | $59,744,670 | 1,117 |
| Average total loans | $465,232,330 | 928 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9978% | 3,115 |
| Cost of funding earning assets | 1.2682% | 2,371 |
| Net interest margin | 3.7296% | 3,948 |
| Noninterest income to average assets | 0.7112% | 2,512 |
| Noninterest expense to average assets | 3.0973% | 3,254 |
| Loan and lease loss provision to assets | 0.0886% | 4,904 |
| Net operating income to assets | 0.6574% | 3,715 |
| Return on assets (ROA) | 0.6646% | 3,760 |
| Pretax return on assets | 0.9167% | 3,438 |
| Return on Equity (ROE) | 8.1658% | 2,844 |
| Retained earnings to average equity (ytd only) | 8.1658% | 1,673 |
| Net charge-offs to loans | 0.2340% | 3,139 |
| Credit loss provision to net charge-offs | 58.6081% | 3,567 |
| Earnings coverage of net charge-offs (x) | 6.5824% | 2,075 |
| Efficiency ratio | 75.3959% | 3,264 |
| Assets per employee ($millions) | 2.8016% | 6,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 5,378 |
| Loan loss allowance to noncurrent loans | 120.1316% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 1.0190% | 4,868 |
| Noncurrent loans to loans | 1.0417% | 4,973 |
| Net loans and leases to total assets | 63.5326% | 3,535 |
| Net loans and leases to deposits | 76.1997% | 3,384 |
| Net loans and leases to core deposits | 80.8647% | 3,622 |
| Total domestic deposits to total assets | 83.3765% | 4,755 |
| Equity capital to assets | 8.1523% | 6,340 |
| Core capital (leverage) ratio | 7.1692% | 6,932 |
| Tier 1 risk-based capital ratio | 10.4436% | 6,836 |
| Total risk-based capital ratio | 11.6305% | 6,854 |
| Memoranda: | ||
| Average total assets | $722,185,000 | 924 |
| Average earning assets | $654,767,500 | 933 |
| Average equity | $58,781,500 | 1,126 |
| Average total loans | $466,621,500 | 937 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2465% | 3,380 |
| Cost of funding earning assets | 1.5355% | 2,440 |
| Net interest margin | 3.7110% | 4,303 |
| Noninterest income to average assets | 0.7838% | 2,356 |
| Noninterest expense to average assets | 3.1360% | 3,319 |
| Loan and lease loss provision to assets | 0.1628% | 5,585 |
| Net operating income to assets | 0.6197% | 3,586 |
| Return on assets (ROA) | 0.6748% | 3,463 |
| Pretax return on assets | 0.8996% | 3,294 |
| Return on Equity (ROE) | 8.1515% | 2,641 |
| Retained earnings to average equity (ytd only) | 5.7937% | 1,942 |
| Net charge-offs to loans | 0.1616% | 5,369 |
| Credit loss provision to net charge-offs | 148.9101% | 2,440 |
| Earnings coverage of net charge-offs (x) | 9.0436% | 1,886 |
| Efficiency ratio | 75.7395% | 3,086 |
| Assets per employee ($millions) | 2.8522% | 6,433 |
| Cash dividends to net income (ytd only)* | 28.9247% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 5,123 |
| Loan loss allowance to noncurrent loans | 122.5607% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 1.0566% | 4,896 |
| Noncurrent loans to loans | 1.0416% | 4,985 |
| Net loans and leases to total assets | 64.0614% | 3,862 |
| Net loans and leases to deposits | 77.0243% | 3,678 |
| Net loans and leases to core deposits | 81.3087% | 4,006 |
| Total domestic deposits to total assets | 83.1704% | 4,721 |
| Equity capital to assets | 8.1264% | 6,351 |
| Core capital (leverage) ratio | 7.2765% | 6,859 |
| Tier 1 risk-based capital ratio | 10.3137% | 6,820 |
| Total risk-based capital ratio | 11.5376% | 6,805 |
| Memoranda: | ||
| Average total assets | $671,203,600 | 987 |
| Average earning assets | $604,313,200 | 1,004 |
| Average equity | $55,560,000 | 1,202 |
| Average total loans | $454,178,600 | 993 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3855% | 2,940 |
| Cost of funding earning assets | 1.5966% | 2,403 |
| Net interest margin | 3.7889% | 4,014 |
| Noninterest income to average assets | 0.7470% | 2,531 |
| Noninterest expense to average assets | 3.1339% | 3,175 |
| Loan and lease loss provision to assets | 0.1840% | 5,202 |
| Net operating income to assets | 0.6207% | 3,791 |
| Return on assets (ROA) | 0.6944% | 3,597 |
| Pretax return on assets | 0.9347% | 3,433 |
| Return on Equity (ROE) | 8.3477% | 2,773 |
| Retained earnings to average equity (ytd only) | 6.2815% | 2,212 |
| Net charge-offs to loans | 0.2264% | 4,574 |
| Credit loss provision to net charge-offs | 118.7990% | 3,488 |
| Earnings coverage of net charge-offs (x) | 6.5783% | 2,493 |
| Efficiency ratio | 75.1753% | 3,107 |
| Assets per employee ($millions) | 2.6981% | 6,778 |
| Cash dividends to net income (ytd only)* | 24.7526% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 5,229 |
| Loan loss allowance to noncurrent loans | 480.1008% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.6617% | 5,800 |
| Noncurrent loans to loans | 0.2604% | 6,663 |
| Net loans and leases to total assets | 66.4383% | 3,585 |
| Net loans and leases to deposits | 81.1353% | 3,242 |
| Net loans and leases to core deposits | 87.3119% | 3,470 |
| Total domestic deposits to total assets | 81.8857% | 5,041 |
| Equity capital to assets | 8.3073% | 6,497 |
| Core capital (leverage) ratio | 7.0531% | 7,138 |
| Tier 1 risk-based capital ratio | 10.1044% | 7,012 |
| Total risk-based capital ratio | 11.3245% | 7,006 |
| Memoranda: | ||
| Average total assets | $659,318,000 | 1,018 |
| Average earning assets | $592,659,000 | 1,030 |
| Average equity | $54,848,000 | 1,218 |
| Average total loans | $451,125,000 | 1,005 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4040% | 2,962 |
| Cost of funding earning assets | 1.6270% | 2,498 |
| Net interest margin | 3.7771% | 4,008 |
| Noninterest income to average assets | 0.7342% | 2,491 |
| Noninterest expense to average assets | 3.1113% | 3,261 |
| Loan and lease loss provision to assets | 0.1628% | 5,259 |
| Net operating income to assets | 0.6515% | 3,621 |
| Return on assets (ROA) | 0.6992% | 3,566 |
| Pretax return on assets | 0.9129% | 3,444 |
| Return on Equity (ROE) | 8.4010% | 2,713 |
| Retained earnings to average equity (ytd only) | 5.6387% | 2,533 |
| Net charge-offs to loans | 0.1813% | 4,520 |
| Credit loss provision to net charge-offs | 130.4668% | 3,081 |
| Earnings coverage of net charge-offs (x) | 8.1253% | 2,187 |
| Efficiency ratio | 75.1282% | 3,239 |
| Assets per employee ($millions) | 2.6766% | 6,813 |
| Cash dividends to net income (ytd only)* | 32.8803% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 5,184 |
| Loan loss allowance to noncurrent loans | 245.7722% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.9301% | 5,267 |
| Noncurrent loans to loans | 0.5086% | 6,235 |
| Net loans and leases to total assets | 67.5273% | 3,489 |
| Net loans and leases to deposits | 81.6285% | 3,326 |
| Net loans and leases to core deposits | 86.3309% | 3,780 |
| Total domestic deposits to total assets | 82.7251% | 4,684 |
| Equity capital to assets | 8.2803% | 6,449 |
| Core capital (leverage) ratio | 6.8985% | 7,242 |
| Tier 1 risk-based capital ratio | 9.7264% | 7,176 |
| Total risk-based capital ratio | 10.9537% | 7,170 |
| Memoranda: | ||
| Average total assets | $652,453,670 | 1,038 |
| Average earning assets | $585,748,000 | 1,049 |
| Average equity | $54,303,330 | 1,223 |
| Average total loans | $449,020,330 | 1,015 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4353% | 2,880 |
| Cost of funding earning assets | 1.6579% | 2,610 |
| Net interest margin | 3.7774% | 3,884 |
| Noninterest income to average assets | 0.6681% | 2,823 |
| Noninterest expense to average assets | 3.0931% | 3,293 |
| Loan and lease loss provision to assets | 0.1655% | 4,872 |
| Net operating income to assets | 0.5835% | 3,972 |
| Return on assets (ROA) | 0.6761% | 3,660 |
| Pretax return on assets | 0.9178% | 3,402 |
| Return on Equity (ROE) | 8.1023% | 2,835 |
| Retained earnings to average equity (ytd only) | 8.1023% | 1,666 |
| Net charge-offs to loans | 0.2441% | 3,482 |
| Credit loss provision to net charge-offs | 98.1618% | 3,487 |
| Earnings coverage of net charge-offs (x) | 5.6838% | 2,348 |
| Efficiency ratio | 76.0441% | 3,204 |
| Assets per employee ($millions) | 2.6294% | 6,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 5,218 |
| Loan loss allowance to noncurrent loans | 264.6863% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.9422% | 5,259 |
| Noncurrent loans to loans | 0.4723% | 6,351 |
| Net loans and leases to total assets | 67.7393% | 3,452 |
| Net loans and leases to deposits | 81.7939% | 3,318 |
| Net loans and leases to core deposits | 85.8855% | 3,916 |
| Total domestic deposits to total assets | 82.8171% | 4,710 |
| Equity capital to assets | 8.3795% | 6,187 |
| Core capital (leverage) ratio | 7.0607% | 7,211 |
| Tier 1 risk-based capital ratio | 9.9726% | 7,054 |
| Total risk-based capital ratio | 11.2152% | 7,041 |
| Memoranda: | ||
| Average total assets | $645,439,500 | 1,070 |
| Average earning assets | $578,072,000 | 1,085 |
| Average equity | $53,861,500 | 1,241 |
| Average total loans | $445,653,500 | 1,047 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8500% | 2,440 |
| Cost of funding earning assets | 2.0677% | 2,643 |
| Net interest margin | 3.7823% | 3,785 |
| Noninterest income to average assets | 0.8352% | 2,251 |
| Noninterest expense to average assets | 3.2500% | 3,194 |
| Loan and lease loss provision to assets | 0.1298% | 6,339 |
| Net operating income to assets | 0.6356% | 3,189 |
| Return on assets (ROA) | 0.7076% | 2,967 |
| Pretax return on assets | 0.9060% | 2,906 |
| Return on Equity (ROE) | 8.3634% | 2,250 |
| Retained earnings to average equity (ytd only) | 5.4987% | 1,578 |
| Net charge-offs to loans | 0.1294% | 5,901 |
| Credit loss provision to net charge-offs | 141.4894% | 3,419 |
| Earnings coverage of net charge-offs (x) | 10.2819% | 1,699 |
| Efficiency ratio | 77.1463% | 3,340 |
| Assets per employee ($millions) | 2.5760% | 7,078 |
| Cash dividends to net income (ytd only)* | 34.2529% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 5,046 |
| Loan loss allowance to noncurrent loans | 99.7673% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 1.2337% | 4,631 |
| Noncurrent loans to loans | 1.2533% | 4,846 |
| Net loans and leases to total assets | 68.6328% | 3,562 |
| Net loans and leases to deposits | 82.7417% | 3,495 |
| Net loans and leases to core deposits | 95.0641% | 4,561 |
| Total domestic deposits to total assets | 82.9483% | 4,539 |
| Equity capital to assets | 8.3099% | 6,182 |
| Core capital (leverage) ratio | 7.0628% | 7,188 |
| Tier 1 risk-based capital ratio | 9.5931% | 7,168 |
| Total risk-based capital ratio | 10.8200% | 7,167 |
| Memoranda: | ||
| Average total assets | $614,711,200 | 1,127 |
| Average earning assets | $545,778,400 | 1,155 |
| Average equity | $52,012,600 | 1,284 |
| Average total loans | $435,928,400 | 1,103 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9174% | 2,368 |
| Cost of funding earning assets | 2.1578% | 2,610 |
| Net interest margin | 3.7596% | 3,816 |
| Noninterest income to average assets | 0.8287% | 2,298 |
| Noninterest expense to average assets | 3.2350% | 3,174 |
| Loan and lease loss provision to assets | 0.1094% | 6,277 |
| Net operating income to assets | 0.6310% | 3,493 |
| Return on assets (ROA) | 0.7048% | 3,249 |
| Pretax return on assets | 0.9120% | 3,188 |
| Return on Equity (ROE) | 8.2902% | 2,520 |
| Retained earnings to average equity (ytd only) | 6.0977% | 1,900 |
| Net charge-offs to loans | 0.1037% | 5,639 |
| Credit loss provision to net charge-offs | 148.0712% | 3,265 |
| Earnings coverage of net charge-offs (x) | 12.5253% | 1,753 |
| Efficiency ratio | 77.3796% | 3,263 |
| Assets per employee ($millions) | 2.5545% | 7,137 |
| Cash dividends to net income (ytd only)* | 26.4469% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 4,814 |
| Loan loss allowance to noncurrent loans | 91.6236% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 1.3193% | 4,448 |
| Noncurrent loans to loans | 1.3654% | 4,644 |
| Net loans and leases to total assets | 70.2499% | 3,448 |
| Net loans and leases to deposits | 87.6086% | 3,041 |
| Net loans and leases to core deposits | 101.6666% | 4,188 |
| Total domestic deposits to total assets | 80.1861% | 5,369 |
| Equity capital to assets | 8.6147% | 6,095 |
| Core capital (leverage) ratio | 7.0880% | 7,367 |
| Tier 1 risk-based capital ratio | 9.7892% | 7,145 |
| Total risk-based capital ratio | 11.0393% | 7,110 |
| Memoranda: | ||
| Average total assets | $608,035,750 | 1,156 |
| Average earning assets | $538,873,500 | 1,185 |
| Average equity | $51,690,500 | 1,306 |
| Average total loans | $433,462,000 | 1,124 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9756% | 2,282 |
| Cost of funding earning assets | 2.2710% | 2,487 |
| Net interest margin | 3.7045% | 3,934 |
| Noninterest income to average assets | 0.8157% | 2,336 |
| Noninterest expense to average assets | 3.2601% | 3,116 |
| Loan and lease loss provision to assets | 0.1336% | 5,753 |
| Net operating income to assets | 0.5006% | 4,088 |
| Return on assets (ROA) | 0.5769% | 3,889 |
| Pretax return on assets | 0.7892% | 3,707 |
| Return on Equity (ROE) | 6.8167% | 3,279 |
| Retained earnings to average equity (ytd only) | 3.4943% | 3,364 |
| Net charge-offs to loans | 0.1331% | 4,833 |
| Credit loss provision to net charge-offs | 140.7666% | 3,312 |
| Earnings coverage of net charge-offs (x) | 8.6202% | 2,233 |
| Efficiency ratio | 79.5539% | 3,121 |
| Assets per employee ($millions) | 2.4896% | 7,278 |
| Cash dividends to net income (ytd only)* | 48.7385% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 4,597 |
| Loan loss allowance to noncurrent loans | 102.7872% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 1.1945% | 4,551 |
| Noncurrent loans to loans | 1.2162% | 4,781 |
| Net loans and leases to total assets | 70.9762% | 3,471 |
| Net loans and leases to deposits | 87.2485% | 3,312 |
| Net loans and leases to core deposits | 100.8250% | 4,421 |
| Total domestic deposits to total assets | 81.3495% | 4,948 |
| Equity capital to assets | 8.4425% | 6,138 |
| Core capital (leverage) ratio | 6.8785% | 7,612 |
| Tier 1 risk-based capital ratio | 9.5567% | 7,343 |
| Total risk-based capital ratio | 10.8069% | 7,300 |
| Memoranda: | ||
| Average total assets | $604,649,000 | 1,180 |
| Average earning assets | $532,536,670 | 1,217 |
| Average equity | $51,168,670 | 1,335 |
| Average total loans | $431,354,670 | 1,155 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0783% | 2,033 |
| Cost of funding earning assets | 2.3603% | 2,462 |
| Net interest margin | 3.7179% | 3,816 |
| Noninterest income to average assets | 0.7506% | 2,595 |
| Noninterest expense to average assets | 3.1231% | 3,288 |
| Loan and lease loss provision to assets | 0.1028% | 5,657 |
| Net operating income to assets | 0.5600% | 4,184 |
| Return on assets (ROA) | 0.6273% | 4,081 |
| Pretax return on assets | 0.8534% | 3,877 |
| Return on Equity (ROE) | 7.4035% | 3,420 |
| Retained earnings to average equity (ytd only) | 4.6644% | 3,327 |
| Net charge-offs to loans | 0.1073% | 4,112 |
| Credit loss provision to net charge-offs | 134.7826% | 3,004 |
| Earnings coverage of net charge-offs (x) | 11.3478% | 1,881 |
| Efficiency ratio | 77.9052% | 3,180 |
| Assets per employee ($millions) | 2.4890% | 7,301 |
| Cash dividends to net income (ytd only)* | 36.9979% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 4,436 |
| Loan loss allowance to noncurrent loans | 118.0083% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 1.1527% | 4,366 |
| Noncurrent loans to loans | 1.0593% | 4,868 |
| Net loans and leases to total assets | 70.2704% | 3,614 |
| Net loans and leases to deposits | 85.7761% | 3,672 |
| Net loans and leases to core deposits | 101.1276% | 4,427 |
| Total domestic deposits to total assets | 81.9230% | 4,579 |
| Equity capital to assets | 8.4929% | 6,081 |
| Core capital (leverage) ratio | 6.9709% | 7,651 |
| Tier 1 risk-based capital ratio | 9.5865% | 7,356 |
| Total risk-based capital ratio | 10.8364% | 7,288 |
| Memoranda: | ||
| Average total assets | $603,247,000 | 1,186 |
| Average earning assets | $525,346,500 | 1,236 |
| Average equity | $51,111,000 | 1,343 |
| Average total loans | $428,729,500 | 1,179 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8148% | 1,625 |
| Cost of funding earning assets | 2.8900% | 2,305 |
| Net interest margin | 3.9249% | 3,462 |
| Noninterest income to average assets | 0.8933% | 1,985 |
| Noninterest expense to average assets | 3.2808% | 3,031 |
| Loan and lease loss provision to assets | 0.1345% | 5,635 |
| Net operating income to assets | 0.7214% | 3,794 |
| Return on assets (ROA) | 0.7724% | 3,402 |
| Pretax return on assets | 1.0188% | 3,320 |
| Return on Equity (ROE) | 8.8491% | 2,695 |
| Retained earnings to average equity (ytd only) | 5.3547% | 1,834 |
| Net charge-offs to loans | 0.0775% | 5,657 |
| Credit loss provision to net charge-offs | 231.7460% | 2,058 |
| Earnings coverage of net charge-offs (x) | 18.7111% | 1,686 |
| Efficiency ratio | 74.8354% | 3,430 |
| Assets per employee ($millions) | 2.5174% | 7,178 |
| Cash dividends to net income (ytd only)* | 39.4894% | 3,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 4,133 |
| Loan loss allowance to noncurrent loans | 341.6507% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.5968% | 5,404 |
| Noncurrent loans to loans | 0.3660% | 6,271 |
| Net loans and leases to total assets | 70.0927% | 3,997 |
| Net loans and leases to deposits | 85.6349% | 4,169 |
| Net loans and leases to core deposits | 100.4545% | 4,781 |
| Total domestic deposits to total assets | 81.8507% | 4,260 |
| Equity capital to assets | 8.4523% | 6,168 |
| Core capital (leverage) ratio | 7.0233% | 7,675 |
| Tier 1 risk-based capital ratio | 9.4585% | 7,358 |
| Total risk-based capital ratio | 10.7016% | 7,276 |
| Memoranda: | ||
| Average total assets | $542,616,200 | 1,254 |
| Average earning assets | $480,247,000 | 1,286 |
| Average equity | $47,360,600 | 1,448 |
| Average total loans | $406,430,000 | 1,191 |