Home > Dakota Community Bank & Trust > Performance and Condition Ratios
Dakota Community 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 | 4.1621% | 3,696 |
| Cost of funding earning assets | 1.3636% | 2,323 |
| Net interest margin | 2.7984% | 3,669 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 1.9484% | 3,736 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3794% | 1,252 |
| Return on assets (ROA) | 1.2383% | 1,541 |
| Pretax return on assets | 1.2390% | 2,033 |
| Return on Equity (ROE) | 22.5500% | 424 |
| Retained earnings to average equity (ytd only) | 14.2858% | 379 |
| Net charge-offs to loans | -0.0110% | 4,014 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.5301% | 3,244 |
| Assets per employee ($millions) | 7.3701% | 1,830 |
| Cash dividends to net income (ytd only)* | 36.6360% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4742% | 1,126 |
| Loan loss allowance to noncurrent loans | 2,362.5310% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 3,447 |
| Noncurrent loans to loans | 0.0624% | 3,267 |
| Net loans and leases to total assets | 49.9100% | 3,598 |
| Net loans and leases to deposits | 54.4236% | 3,767 |
| Net loans and leases to core deposits | 60.3233% | 3,751 |
| Total domestic deposits to total assets | 91.7000% | 356 |
| Equity capital to assets | 6.4828% | 4,121 |
| Core capital (leverage) ratio | 7.7055% | 4,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3000% | 1,761 |
| Memoranda: | ||
| Average total assets | $1,229,073,200 | 839 |
| Average earning assets | $1,183,811,000 | 803 |
| Average equity | $67,507,400 | 1,283 |
| Average total loans | $636,084,600 | 1,048 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0696% | 3,708 |
| Cost of funding earning assets | 1.2368% | 2,314 |
| Net interest margin | 2.8328% | 3,672 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 1.9476% | 3,721 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3368% | 1,454 |
| Return on assets (ROA) | 1.1468% | 1,910 |
| Pretax return on assets | 1.1477% | 2,430 |
| Return on Equity (ROE) | 21.9100% | 566 |
| Retained earnings to average equity (ytd only) | 13.8039% | 698 |
| Net charge-offs to loans | -0.0145% | 4,043 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.2748% | 3,051 |
| Assets per employee ($millions) | 7.0080% | 1,960 |
| Cash dividends to net income (ytd only)* | 37.0095% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4601% | 1,225 |
| Loan loss allowance to noncurrent loans | 1,746.6055% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 3,358 |
| Noncurrent loans to loans | 0.0836% | 3,164 |
| Net loans and leases to total assets | 52.9900% | 3,425 |
| Net loans and leases to deposits | 57.0647% | 3,651 |
| Net loans and leases to core deposits | 63.3488% | 3,562 |
| Total domestic deposits to total assets | 92.8600% | 321 |
| Equity capital to assets | 5.0467% | 4,239 |
| Core capital (leverage) ratio | 7.7616% | 4,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7281% | 1,995 |
| Memoranda: | ||
| Average total assets | $1,217,583,500 | 849 |
| Average earning assets | $1,172,558,750 | 815 |
| Average equity | $63,719,750 | 1,327 |
| Average total loans | $633,645,250 | 1,041 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9444% | 3,799 |
| Cost of funding earning assets | 1.0782% | 2,356 |
| Net interest margin | 2.8662% | 3,706 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 1.9411% | 3,735 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2615% | 1,660 |
| Return on assets (ROA) | 1.0298% | 2,318 |
| Pretax return on assets | 1.0311% | 2,827 |
| Return on Equity (ROE) | 19.4500% | 774 |
| Retained earnings to average equity (ytd only) | 11.3901% | 1,105 |
| Net charge-offs to loans | -0.0214% | 4,138 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.5784% | 2,885 |
| Assets per employee ($millions) | 6.9901% | 1,934 |
| Cash dividends to net income (ytd only)* | 41.4304% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 1,290 |
| Loan loss allowance to noncurrent loans | 1,170.3567% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.0680% | 3,088 |
| Noncurrent loans to loans | 0.1253% | 2,847 |
| Net loans and leases to total assets | 53.5000% | 3,300 |
| Net loans and leases to deposits | 57.8546% | 3,546 |
| Net loans and leases to core deposits | 63.2706% | 3,489 |
| Total domestic deposits to total assets | 92.4700% | 328 |
| Equity capital to assets | 5.5939% | 4,269 |
| Core capital (leverage) ratio | 7.6163% | 4,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3868% | 2,138 |
| Memoranda: | ||
| Average total assets | $1,219,315,667 | 836 |
| Average earning assets | $1,174,881,000 | 801 |
| Average equity | $64,564,667 | 1,312 |
| Average total loans | $627,542,000 | 1,034 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7891% | 3,874 |
| Cost of funding earning assets | 0.9271% | 2,286 |
| Net interest margin | 2.8620% | 3,848 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 1.8442% | 3,957 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2916% | 1,693 |
| Return on assets (ROA) | 1.0857% | 2,240 |
| Pretax return on assets | 1.0883% | 2,737 |
| Return on Equity (ROE) | 21.0800% | 654 |
| Retained earnings to average equity (ytd only) | 21.0804% | 317 |
| Net charge-offs to loans | -0.0078% | 3,767 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.7560% | 3,100 |
| Assets per employee ($millions) | 7.2322% | 1,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5257% | 1,182 |
| Loan loss allowance to noncurrent loans | 1,106.3158% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.0700% | 3,098 |
| Noncurrent loans to loans | 0.1379% | 2,809 |
| Net loans and leases to total assets | 49.9500% | 3,499 |
| Net loans and leases to deposits | 53.7652% | 3,701 |
| Net loans and leases to core deposits | 58.1642% | 3,619 |
| Total domestic deposits to total assets | 92.9100% | 319 |
| Equity capital to assets | 5.6114% | 4,314 |
| Core capital (leverage) ratio | 7.3639% | 4,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7868% | 2,052 |
| Memoranda: | ||
| Average total assets | $1,231,316,000 | 849 |
| Average earning assets | $1,186,868,500 | 814 |
| Average equity | $63,414,500 | 1,339 |
| Average total loans | $616,803,000 | 1,066 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2667% | 3,672 |
| Cost of funding earning assets | 0.4063% | 2,043 |
| Net interest margin | 2.8604% | 3,767 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 1.9509% | 3,711 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4078% | 1,113 |
| Return on assets (ROA) | 1.3272% | 1,303 |
| Pretax return on assets | 1.3275% | 1,999 |
| Return on Equity (ROE) | 25.6300% | 189 |
| Retained earnings to average equity (ytd only) | 8.6216% | 1,596 |
| Net charge-offs to loans | -0.0731% | 4,444 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.0582% | 3,334 |
| Assets per employee ($millions) | 7.4275% | 1,668 |
| Cash dividends to net income (ytd only)* | 66.3599% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5394% | 1,095 |
| Loan loss allowance to noncurrent loans | 1,056.5996% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 3,069 |
| Noncurrent loans to loans | 0.1457% | 2,785 |
| Net loans and leases to total assets | 48.7100% | 3,612 |
| Net loans and leases to deposits | 51.8052% | 3,817 |
| Net loans and leases to core deposits | 55.1724% | 3,758 |
| Total domestic deposits to total assets | 94.0200% | 242 |
| Equity capital to assets | 4.6956% | 4,438 |
| Core capital (leverage) ratio | 7.0093% | 4,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4086% | 2,198 |
| Memoranda: | ||
| Average total assets | $1,187,119,600 | 865 |
| Average earning assets | $1,144,481,600 | 828 |
| Average equity | $61,473,600 | 1,379 |
| Average total loans | $596,328,400 | 1,036 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1151% | 3,642 |
| Cost of funding earning assets | 0.3062% | 2,103 |
| Net interest margin | 2.8089% | 3,716 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 1.9435% | 3,641 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2749% | 1,443 |
| Return on assets (ROA) | 1.2556% | 1,475 |
| Pretax return on assets | 1.2561% | 2,189 |
| Return on Equity (ROE) | 23.6600% | 228 |
| Retained earnings to average equity (ytd only) | 15.1118% | 355 |
| Net charge-offs to loans | -0.0973% | 4,491 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.3463% | 3,075 |
| Assets per employee ($millions) | 7.2858% | 1,764 |
| Cash dividends to net income (ytd only)* | 36.1408% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5260% | 1,230 |
| Loan loss allowance to noncurrent loans | 1,044.4690% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 3,149 |
| Noncurrent loans to loans | 0.1461% | 2,886 |
| Net loans and leases to total assets | 50.0800% | 3,453 |
| Net loans and leases to deposits | 52.8823% | 3,674 |
| Net loans and leases to core deposits | 55.9333% | 3,631 |
| Total domestic deposits to total assets | 94.7000% | 258 |
| Equity capital to assets | 4.0380% | 4,471 |
| Core capital (leverage) ratio | 7.4052% | 4,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4984% | 2,263 |
| Memoranda: | ||
| Average total assets | $1,173,800,500 | 874 |
| Average earning assets | $1,131,265,250 | 841 |
| Average equity | $62,281,000 | 1,375 |
| Average total loans | $592,002,500 | 1,042 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9714% | 3,624 |
| Cost of funding earning assets | 0.2710% | 2,017 |
| Net interest margin | 2.7004% | 3,698 |
| Noninterest income to average assets | 0.5359% | 2,011 |
| Noninterest expense to average assets | 1.9800% | 3,487 |
| Loan and lease loss provision to assets | 0.0026% | 2,563 |
| Net operating income to assets | 1.1553% | 1,587 |
| Return on assets (ROA) | 1.1491% | 1,586 |
| Pretax return on assets | 1.1498% | 2,242 |
| Return on Equity (ROE) | 19.9868% | 307 |
| Retained earnings to average equity (ytd only) | 13.1015% | 454 |
| Net charge-offs to loans | -0.0974% | 4,435 |
| Credit loss provision to net charge-offs | -5.2817% | 2,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0853% | 2,903 |
| Assets per employee ($millions) | 6.9902% | 1,947 |
| Cash dividends to net income (ytd only)* | 34.4491% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5453% | 1,288 |
| Loan loss allowance to noncurrent loans | 688.4444% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.1156% | 2,898 |
| Noncurrent loans to loans | 0.2245% | 2,602 |
| Net loans and leases to total assets | 50.7243% | 3,298 |
| Net loans and leases to deposits | 53.8952% | 3,542 |
| Net loans and leases to core deposits | 56.3051% | 3,541 |
| Total domestic deposits to total assets | 94.1164% | 262 |
| Equity capital to assets | 4.4766% | 4,562 |
| Core capital (leverage) ratio | 7.0662% | 4,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1256% | 2,442 |
| Memoranda: | ||
| Average total assets | $1,159,489,333 | 876 |
| Average earning assets | $1,117,532,000 | 856 |
| Average equity | $66,664,000 | 1,335 |
| Average total loans | $583,084,667 | 1,044 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7567% | 3,827 |
| Cost of funding earning assets | 0.2521% | 2,132 |
| Net interest margin | 2.5046% | 3,904 |
| Noninterest income to average assets | 0.5113% | 2,089 |
| Noninterest expense to average assets | 1.9392% | 3,576 |
| Loan and lease loss provision to assets | 0.0052% | 2,211 |
| Net operating income to assets | 0.9800% | 1,967 |
| Return on assets (ROA) | 0.9800% | 1,963 |
| Pretax return on assets | 0.9814% | 2,496 |
| Return on Equity (ROE) | 15.3303% | 609 |
| Retained earnings to average equity (ytd only) | 7.0451% | 1,883 |
| Net charge-offs to loans | -0.0112% | 3,629 |
| Credit loss provision to net charge-offs | -93.7500% | 2,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2802% | 2,733 |
| Assets per employee ($millions) | 7.0037% | 1,995 |
| Cash dividends to net income (ytd only)* | 54.0445% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5735% | 1,337 |
| Loan loss allowance to noncurrent loans | 1,066.9031% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 3,347 |
| Noncurrent loans to loans | 0.1475% | 3,068 |
| Net loans and leases to total assets | 48.2732% | 3,357 |
| Net loans and leases to deposits | 51.8410% | 3,578 |
| Net loans and leases to core deposits | 53.6027% | 3,624 |
| Total domestic deposits to total assets | 93.1178% | 245 |
| Equity capital to assets | 5.5769% | 4,651 |
| Core capital (leverage) ratio | 7.0273% | 4,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2138% | 2,521 |
| Memoranda: | ||
| Average total assets | $1,155,550,000 | 883 |
| Average earning assets | $1,113,957,000 | 856 |
| Average equity | $73,867,000 | 1,275 |
| Average total loans | $573,910,500 | 1,048 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4277% | 2,857 |
| Cost of funding earning assets | 0.2996% | 2,409 |
| Net interest margin | 3.1281% | 2,811 |
| Noninterest income to average assets | 1.0136% | 978 |
| Noninterest expense to average assets | 2.2123% | 3,041 |
| Loan and lease loss provision to assets | 0.0160% | 2,759 |
| Net operating income to assets | 1.7899% | 520 |
| Return on assets (ROA) | 1.7926% | 540 |
| Pretax return on assets | 1.7929% | 932 |
| Return on Equity (ROE) | 22.2510% | 209 |
| Retained earnings to average equity (ytd only) | 7.1350% | 1,867 |
| Net charge-offs to loans | -0.0753% | 4,493 |
| Credit loss provision to net charge-offs | -39.0071% | 3,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9683% | 3,827 |
| Assets per employee ($millions) | 6.8352% | 2,040 |
| Cash dividends to net income (ytd only)* | 67.9339% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5666% | 1,340 |
| Loan loss allowance to noncurrent loans | 1,082.4308% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.0728% | 3,447 |
| Noncurrent loans to loans | 0.1447% | 3,215 |
| Net loans and leases to total assets | 49.5135% | 3,347 |
| Net loans and leases to deposits | 54.1407% | 3,591 |
| Net loans and leases to core deposits | 56.0118% | 3,616 |
| Total domestic deposits to total assets | 91.4535% | 331 |
| Equity capital to assets | 7.2280% | 4,670 |
| Core capital (leverage) ratio | 7.1575% | 4,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1057% | 2,596 |
| Memoranda: | ||
| Average total assets | $1,033,047,000 | 937 |
| Average earning assets | $992,360,800 | 912 |
| Average equity | $83,223,400 | 1,167 |
| Average total loans | $562,118,400 | 1,073 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5717% | 2,634 |
| Cost of funding earning assets | 0.3140% | 2,464 |
| Net interest margin | 3.2577% | 2,554 |
| Noninterest income to average assets | 0.9238% | 1,207 |
| Noninterest expense to average assets | 2.2284% | 2,979 |
| Loan and lease loss provision to assets | 0.0186% | 2,634 |
| Net operating income to assets | 1.8038% | 661 |
| Return on assets (ROA) | 1.8075% | 682 |
| Pretax return on assets | 1.8080% | 1,148 |
| Return on Equity (ROE) | 21.8005% | 316 |
| Retained earnings to average equity (ytd only) | 12.5604% | 709 |
| Net charge-offs to loans | -0.0897% | 4,570 |
| Credit loss provision to net charge-offs | -37.2340% | 3,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9205% | 3,669 |
| Assets per employee ($millions) | 6.3955% | 2,341 |
| Cash dividends to net income (ytd only)* | 42.3847% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5546% | 1,449 |
| Loan loss allowance to noncurrent loans | 811.9199% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 3,418 |
| Noncurrent loans to loans | 0.1915% | 3,178 |
| Net loans and leases to total assets | 52.9054% | 3,097 |
| Net loans and leases to deposits | 58.4983% | 3,367 |
| Net loans and leases to core deposits | 60.4263% | 3,444 |
| Total domestic deposits to total assets | 90.4391% | 587 |
| Equity capital to assets | 8.0434% | 4,500 |
| Core capital (leverage) ratio | 7.8799% | 4,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7936% | 2,431 |
| Memoranda: | ||
| Average total assets | $1,005,937,750 | 972 |
| Average earning assets | $965,715,750 | 944 |
| Average equity | $83,402,750 | 1,185 |
| Average total loans | $559,102,000 | 1,097 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7709% | 2,144 |
| Cost of funding earning assets | 0.3268% | 2,530 |
| Net interest margin | 3.4441% | 2,025 |
| Noninterest income to average assets | 1.0056% | 1,061 |
| Noninterest expense to average assets | 2.2610% | 2,879 |
| Loan and lease loss provision to assets | 0.0150% | 2,651 |
| Net operating income to assets | 2.0344% | 462 |
| Return on assets (ROA) | 2.0344% | 486 |
| Pretax return on assets | 2.0353% | 779 |
| Return on Equity (ROE) | 24.2757% | 219 |
| Retained earnings to average equity (ytd only) | 14.8048% | 462 |
| Net charge-offs to loans | -0.0993% | 4,627 |
| Credit loss provision to net charge-offs | -26.9091% | 2,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3590% | 4,007 |
| Assets per employee ($millions) | 6.2656% | 2,372 |
| Cash dividends to net income (ytd only)* | 39.0142% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5661% | 1,369 |
| Loan loss allowance to noncurrent loans | 644.2973% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.1339% | 3,345 |
| Noncurrent loans to loans | 0.2431% | 3,079 |
| Net loans and leases to total assets | 54.2188% | 3,108 |
| Net loans and leases to deposits | 60.1672% | 3,380 |
| Net loans and leases to core deposits | 62.0847% | 3,452 |
| Total domestic deposits to total assets | 90.1135% | 717 |
| Equity capital to assets | 8.3392% | 4,334 |
| Core capital (leverage) ratio | 7.9535% | 4,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4360% | 2,194 |
| Memoranda: | ||
| Average total assets | $985,233,667 | 980 |
| Average earning assets | $945,605,000 | 950 |
| Average equity | $82,568,000 | 1,191 |
| Average total loans | $554,143,000 | 1,104 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0610% | 1,484 |
| Cost of funding earning assets | 0.3388% | 2,635 |
| Net interest margin | 3.7221% | 1,286 |
| Noninterest income to average assets | 1.0112% | 1,113 |
| Noninterest expense to average assets | 2.1700% | 3,199 |
| Loan and lease loss provision to assets | 0.0103% | 2,638 |
| Net operating income to assets | 2.4021% | 312 |
| Return on assets (ROA) | 2.4021% | 337 |
| Pretax return on assets | 2.4037% | 517 |
| Return on Equity (ROE) | 28.5886% | 170 |
| Retained earnings to average equity (ytd only) | 28.5886% | 87 |
| Net charge-offs to loans | -0.1530% | 4,737 |
| Credit loss provision to net charge-offs | -11.8483% | 2,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2572% | 4,388 |
| Assets per employee ($millions) | 6.1047% | 2,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5447% | 1,442 |
| Loan loss allowance to noncurrent loans | 657.7626% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 3,512 |
| Noncurrent loans to loans | 0.2348% | 3,266 |
| Net loans and leases to total assets | 55.7047% | 3,079 |
| Net loans and leases to deposits | 61.9233% | 3,323 |
| Net loans and leases to core deposits | 64.1069% | 3,403 |
| Total domestic deposits to total assets | 89.9575% | 838 |
| Equity capital to assets | 8.4375% | 4,166 |
| Core capital (leverage) ratio | 8.2482% | 4,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1378% | 1,860 |
| Memoranda: | ||
| Average total assets | $970,334,000 | 979 |
| Average earning assets | $931,404,500 | 950 |
| Average equity | $81,529,000 | 1,191 |
| Average total loans | $551,667,000 | 1,107 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9287% | 2,940 |
| Cost of funding earning assets | 0.5423% | 2,661 |
| Net interest margin | 3.3864% | 2,817 |
| Noninterest income to average assets | 1.0995% | 881 |
| Noninterest expense to average assets | 2.4101% | 3,108 |
| Loan and lease loss provision to assets | 0.0621% | 3,594 |
| Net operating income to assets | 1.8649% | 341 |
| Return on assets (ROA) | 1.9729% | 299 |
| Pretax return on assets | 1.9734% | 479 |
| Return on Equity (ROE) | 23.0061% | 138 |
| Retained earnings to average equity (ytd only) | 7.2583% | 1,295 |
| Net charge-offs to loans | 0.0192% | 2,687 |
| Credit loss provision to net charge-offs | 530.4762% | 1,205 |
| Earnings coverage of net charge-offs (x) | 164.6476% | 530 |
| Efficiency ratio | 55.4736% | 4,049 |
| Assets per employee ($millions) | 5.8748% | 2,469 |
| Cash dividends to net income (ytd only)* | 68.4505% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5460% | 1,444 |
| Loan loss allowance to noncurrent loans | 603.9511% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 3,556 |
| Noncurrent loans to loans | 0.2560% | 3,274 |
| Net loans and leases to total assets | 56.2554% | 3,272 |
| Net loans and leases to deposits | 63.0945% | 3,513 |
| Net loans and leases to core deposits | 65.4437% | 3,590 |
| Total domestic deposits to total assets | 89.1605% | 913 |
| Equity capital to assets | 8.3655% | 4,543 |
| Core capital (leverage) ratio | 7.9620% | 4,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2174% | 2,157 |
| Memoranda: | ||
| Average total assets | $896,950,400 | 970 |
| Average earning assets | $857,646,600 | 942 |
| Average equity | $76,918,800 | 1,197 |
| Average total loans | $545,963,000 | 1,062 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0406% | 2,859 |
| Cost of funding earning assets | 0.5866% | 2,693 |
| Net interest margin | 3.4541% | 2,740 |
| Noninterest income to average assets | 0.9887% | 1,036 |
| Noninterest expense to average assets | 2.4099% | 3,103 |
| Loan and lease loss provision to assets | 0.0676% | 3,487 |
| Net operating income to assets | 1.8110% | 437 |
| Return on assets (ROA) | 1.9571% | 356 |
| Pretax return on assets | 1.9577% | 559 |
| Return on Equity (ROE) | 22.6720% | 160 |
| Retained earnings to average equity (ytd only) | 14.5720% | 221 |
| Net charge-offs to loans | 0.0142% | 2,610 |
| Credit loss provision to net charge-offs | 772.4138% | 1,004 |
| Earnings coverage of net charge-offs (x) | 214.6379% | 473 |
| Efficiency ratio | 56.0956% | 3,911 |
| Assets per employee ($millions) | 5.5789% | 2,640 |
| Cash dividends to net income (ytd only)* | 35.7270% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 1,562 |
| Loan loss allowance to noncurrent loans | 563.4706% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.1639% | 3,598 |
| Noncurrent loans to loans | 0.2561% | 3,387 |
| Net loans and leases to total assets | 63.0603% | 2,879 |
| Net loans and leases to deposits | 71.0072% | 3,213 |
| Net loans and leases to core deposits | 74.0787% | 3,316 |
| Total domestic deposits to total assets | 88.8083% | 859 |
| Equity capital to assets | 9.0418% | 4,088 |
| Core capital (leverage) ratio | 8.5185% | 4,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7192% | 1,923 |
| Memoranda: | ||
| Average total assets | $883,260,500 | 969 |
| Average earning assets | $843,971,250 | 939 |
| Average equity | $76,244,750 | 1,201 |
| Average total loans | $546,505,000 | 1,053 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1550% | 2,898 |
| Cost of funding earning assets | 0.6420% | 2,746 |
| Net interest margin | 3.5129% | 2,745 |
| Noninterest income to average assets | 0.8818% | 1,213 |
| Noninterest expense to average assets | 2.3781% | 3,316 |
| Loan and lease loss provision to assets | 0.0710% | 3,410 |
| Net operating income to assets | 1.7893% | 511 |
| Return on assets (ROA) | 1.9981% | 373 |
| Pretax return on assets | 1.9990% | 547 |
| Return on Equity (ROE) | 23.5312% | 132 |
| Retained earnings to average equity (ytd only) | 15.6516% | 191 |
| Net charge-offs to loans | 0.0224% | 2,270 |
| Credit loss provision to net charge-offs | 518.3333% | 1,205 |
| Earnings coverage of net charge-offs (x) | 135.9333% | 565 |
| Efficiency ratio | 55.9994% | 3,944 |
| Assets per employee ($millions) | 5.7073% | 2,440 |
| Cash dividends to net income (ytd only)* | 33.4856% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4275% | 1,490 |
| Loan loss allowance to noncurrent loans | 583.6415% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.1521% | 3,762 |
| Noncurrent loans to loans | 0.2446% | 3,504 |
| Net loans and leases to total assets | 61.2847% | 3,188 |
| Net loans and leases to deposits | 68.5616% | 3,520 |
| Net loans and leases to core deposits | 71.2230% | 3,630 |
| Total domestic deposits to total assets | 89.3863% | 614 |
| Equity capital to assets | 8.5408% | 4,453 |
| Core capital (leverage) ratio | 8.3103% | 4,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3472% | 2,052 |
| Memoranda: | ||
| Average total assets | $876,419,333 | 960 |
| Average earning assets | $837,651,000 | 930 |
| Average equity | $74,420,333 | 1,210 |
| Average total loans | $535,915,333 | 1,060 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2413% | 3,090 |
| Cost of funding earning assets | 0.7437% | 2,700 |
| Net interest margin | 3.4976% | 2,995 |
| Noninterest income to average assets | 0.5716% | 2,168 |
| Noninterest expense to average assets | 2.3099% | 3,751 |
| Loan and lease loss provision to assets | 0.0638% | 2,965 |
| Net operating income to assets | 1.5332% | 721 |
| Return on assets (ROA) | 1.8439% | 419 |
| Pretax return on assets | 1.8457% | 636 |
| Return on Equity (ROE) | 21.7833% | 115 |
| Retained earnings to average equity (ytd only) | 21.7833% | 46 |
| Net charge-offs to loans | 0.0805% | 1,219 |
| Credit loss provision to net charge-offs | 130.7692% | 1,662 |
| Earnings coverage of net charge-offs (x) | 32.7596% | 1,125 |
| Efficiency ratio | 58.9867% | 3,874 |
| Assets per employee ($millions) | 5.1979% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5358% | 1,232 |
| Loan loss allowance to noncurrent loans | 460.0806% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.2062% | 3,653 |
| Noncurrent loans to loans | 0.3338% | 3,298 |
| Net loans and leases to total assets | 60.8121% | 3,421 |
| Net loans and leases to deposits | 68.8098% | 3,674 |
| Net loans and leases to core deposits | 71.2669% | 3,798 |
| Total domestic deposits to total assets | 88.3772% | 939 |
| Equity capital to assets | 8.8098% | 4,686 |
| Core capital (leverage) ratio | 8.5965% | 4,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2891% | 2,155 |
| Memoranda: | ||
| Average total assets | $852,338,000 | 958 |
| Average earning assets | $813,245,000 | 928 |
| Average equity | $72,147,000 | 1,234 |
| Average total loans | $516,456,500 | 1,067 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4527% | 3,112 |
| Cost of funding earning assets | 0.8285% | 2,537 |
| Net interest margin | 3.6243% | 3,063 |
| Noninterest income to average assets | 0.7997% | 1,457 |
| Noninterest expense to average assets | 2.4347% | 3,607 |
| Loan and lease loss provision to assets | 0.0436% | 3,139 |
| Net operating income to assets | 1.7734% | 556 |
| Return on assets (ROA) | 1.8178% | 530 |
| Pretax return on assets | 1.8183% | 894 |
| Return on Equity (ROE) | 21.6436% | 144 |
| Retained earnings to average equity (ytd only) | -4.2541% | 4,954 |
| Net charge-offs to loans | 0.0117% | 3,269 |
| Credit loss provision to net charge-offs | 598.3607% | 521 |
| Earnings coverage of net charge-offs (x) | 249.1803% | 333 |
| Efficiency ratio | 57.1581% | 4,067 |
| Assets per employee ($millions) | 5.3248% | 2,222 |
| Cash dividends to net income (ytd only)* | 119.6553% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5511% | 1,081 |
| Loan loss allowance to noncurrent loans | 481.5375% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1915% | 3,693 |
| Noncurrent loans to loans | 0.3221% | 3,288 |
| Net loans and leases to total assets | 58.5308% | 3,718 |
| Net loans and leases to deposits | 65.8021% | 3,965 |
| Net loans and leases to core deposits | 68.2511% | 4,068 |
| Total domestic deposits to total assets | 88.9498% | 691 |
| Equity capital to assets | 8.1276% | 5,030 |
| Core capital (leverage) ratio | 8.0003% | 5,037 |
| Tier 1 risk-based capital ratio | 12.5128% | 4,063 |
| Total risk-based capital ratio | 13.7655% | 3,943 |
| Memoranda: | ||
| Average total assets | $836,287,800 | 938 |
| Average earning assets | $796,658,200 | 914 |
| Average equity | $70,238,000 | 1,218 |
| Average total loans | $519,991,800 | 1,039 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4890% | 3,092 |
| Cost of funding earning assets | 0.8280% | 2,578 |
| Net interest margin | 3.6611% | 3,058 |
| Noninterest income to average assets | 0.6841% | 1,853 |
| Noninterest expense to average assets | 2.3961% | 3,698 |
| Loan and lease loss provision to assets | 0.0177% | 3,557 |
| Net operating income to assets | 1.7550% | 675 |
| Return on assets (ROA) | 1.7951% | 654 |
| Pretax return on assets | 1.7958% | 1,103 |
| Return on Equity (ROE) | 21.1958% | 193 |
| Retained earnings to average equity (ytd only) | -1.0606% | 4,864 |
| Net charge-offs to loans | 0.0419% | 2,257 |
| Credit loss provision to net charge-offs | 67.0732% | 2,647 |
| Earnings coverage of net charge-offs (x) | 67.2870% | 984 |
| Efficiency ratio | 57.3692% | 4,020 |
| Assets per employee ($millions) | 5.2567% | 2,282 |
| Cash dividends to net income (ytd only)* | 105.0041% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4273% | 1,477 |
| Loan loss allowance to noncurrent loans | 433.8664% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2056% | 3,749 |
| Noncurrent loans to loans | 0.3290% | 3,355 |
| Net loans and leases to total assets | 61.6092% | 3,535 |
| Net loans and leases to deposits | 69.4843% | 3,801 |
| Net loans and leases to core deposits | 72.1026% | 3,943 |
| Total domestic deposits to total assets | 88.6663% | 761 |
| Equity capital to assets | 8.5479% | 4,978 |
| Core capital (leverage) ratio | 8.5067% | 4,944 |
| Tier 1 risk-based capital ratio | 12.6341% | 4,066 |
| Total risk-based capital ratio | 13.8855% | 3,935 |
| Memoranda: | ||
| Average total assets | $829,706,250 | 947 |
| Average earning assets | $789,877,000 | 916 |
| Average equity | $70,270,000 | 1,215 |
| Average total loans | $521,777,250 | 1,034 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4696% | 3,108 |
| Cost of funding earning assets | 0.8241% | 2,531 |
| Net interest margin | 3.6455% | 3,113 |
| Noninterest income to average assets | 0.6486% | 1,925 |
| Noninterest expense to average assets | 2.4396% | 3,634 |
| Loan and lease loss provision to assets | 0.0148% | 3,480 |
| Net operating income to assets | 1.6605% | 786 |
| Return on assets (ROA) | 1.6668% | 809 |
| Pretax return on assets | 1.6678% | 1,341 |
| Return on Equity (ROE) | 19.7438% | 273 |
| Retained earnings to average equity (ytd only) | -9.1489% | 5,164 |
| Net charge-offs to loans | 0.0120% | 2,707 |
| Credit loss provision to net charge-offs | 196.7742% | 1,229 |
| Earnings coverage of net charge-offs (x) | 222.3548% | 359 |
| Efficiency ratio | 59.1669% | 3,840 |
| Assets per employee ($millions) | 5.1514% | 2,301 |
| Cash dividends to net income (ytd only)* | 146.3379% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 1,449 |
| Loan loss allowance to noncurrent loans | 404.6891% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 3,665 |
| Noncurrent loans to loans | 0.3566% | 3,264 |
| Net loans and leases to total assets | 62.8609% | 3,468 |
| Net loans and leases to deposits | 70.4337% | 3,802 |
| Net loans and leases to core deposits | 73.1933% | 3,933 |
| Total domestic deposits to total assets | 89.2483% | 571 |
| Equity capital to assets | 8.3659% | 5,090 |
| Core capital (leverage) ratio | 8.3707% | 5,027 |
| Tier 1 risk-based capital ratio | 12.0963% | 4,366 |
| Total risk-based capital ratio | 13.3478% | 4,252 |
| Memoranda: | ||
| Average total assets | $822,415,670 | 953 |
| Average earning assets | $782,219,000 | 921 |
| Average equity | $69,429,330 | 1,219 |
| Average total loans | $518,287,330 | 1,039 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4487% | 3,054 |
| Cost of funding earning assets | 0.8193% | 2,426 |
| Net interest margin | 3.6294% | 3,138 |
| Noninterest income to average assets | 0.5841% | 2,122 |
| Noninterest expense to average assets | 2.3553% | 3,882 |
| Loan and lease loss provision to assets | 0.0191% | 3,197 |
| Net operating income to assets | 1.6522% | 807 |
| Return on assets (ROA) | 1.6571% | 827 |
| Pretax return on assets | 1.6591% | 1,313 |
| Return on Equity (ROE) | 19.5388% | 291 |
| Retained earnings to average equity (ytd only) | -17.7825% | 5,237 |
| Net charge-offs to loans | -0.0391% | 4,756 |
| Credit loss provision to net charge-offs | -78.0000% | 3,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3556% | 4,030 |
| Assets per employee ($millions) | 5.0780% | 2,426 |
| Cash dividends to net income (ytd only)* | 191.0112% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 1,309 |
| Loan loss allowance to noncurrent loans | 442.5386% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.2126% | 3,772 |
| Noncurrent loans to loans | 0.3411% | 3,356 |
| Net loans and leases to total assets | 61.3936% | 3,559 |
| Net loans and leases to deposits | 69.5719% | 3,798 |
| Net loans and leases to core deposits | 72.6275% | 3,903 |
| Total domestic deposits to total assets | 88.2448% | 1,218 |
| Equity capital to assets | 8.3176% | 5,077 |
| Core capital (leverage) ratio | 8.4587% | 5,034 |
| Tier 1 risk-based capital ratio | 12.5871% | 4,112 |
| Total risk-based capital ratio | 13.8393% | 3,991 |
| Memoranda: | ||
| Average total assets | $816,364,000 | 962 |
| Average earning assets | $774,787,000 | 931 |
| Average equity | $69,236,500 | 1,221 |
| Average total loans | $511,297,500 | 1,054 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3270% | 3,019 |
| Cost of funding earning assets | 0.6176% | 2,604 |
| Net interest margin | 3.7094% | 2,998 |
| Noninterest income to average assets | 0.7845% | 1,504 |
| Noninterest expense to average assets | 2.5485% | 3,471 |
| Loan and lease loss provision to assets | 0.0172% | 3,812 |
| Net operating income to assets | 1.7448% | 623 |
| Return on assets (ROA) | 1.7422% | 626 |
| Pretax return on assets | 1.7423% | 1,065 |
| Return on Equity (ROE) | 20.2666% | 239 |
| Retained earnings to average equity (ytd only) | 2.0848% | 4,322 |
| Net charge-offs to loans | 0.0472% | 2,492 |
| Credit loss provision to net charge-offs | 57.0815% | 3,130 |
| Earnings coverage of net charge-offs (x) | 58.4034% | 1,038 |
| Efficiency ratio | 59.0165% | 4,012 |
| Assets per employee ($millions) | 5.0006% | 2,502 |
| Cash dividends to net income (ytd only)* | 89.7131% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 1,286 |
| Loan loss allowance to noncurrent loans | 404.8148% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.2333% | 3,667 |
| Noncurrent loans to loans | 0.3707% | 3,211 |
| Net loans and leases to total assets | 61.9878% | 3,567 |
| Net loans and leases to deposits | 70.6170% | 3,781 |
| Net loans and leases to core deposits | 74.0232% | 3,850 |
| Total domestic deposits to total assets | 87.7802% | 1,400 |
| Equity capital to assets | 8.6471% | 4,847 |
| Core capital (leverage) ratio | 9.0067% | 4,647 |
| Tier 1 risk-based capital ratio | 13.1766% | 3,741 |
| Total risk-based capital ratio | 14.4287% | 3,623 |
| Memoranda: | ||
| Average total assets | $772,247,800 | 976 |
| Average earning assets | $734,106,400 | 954 |
| Average equity | $66,385,000 | 1,216 |
| Average total loans | $493,679,400 | 1,061 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2770% | 3,052 |
| Cost of funding earning assets | 0.5625% | 2,765 |
| Net interest margin | 3.7145% | 2,966 |
| Noninterest income to average assets | 0.7058% | 1,841 |
| Noninterest expense to average assets | 2.5294% | 3,504 |
| Loan and lease loss provision to assets | 0.0177% | 3,662 |
| Net operating income to assets | 1.6908% | 764 |
| Return on assets (ROA) | 1.6873% | 770 |
| Pretax return on assets | 1.6875% | 1,308 |
| Return on Equity (ROE) | 19.6587% | 293 |
| Retained earnings to average equity (ytd only) | -4.9223% | 5,316 |
| Net charge-offs to loans | -0.0019% | 4,082 |
| Credit loss provision to net charge-offs | -1,442.8571% | 4,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5768% | 3,870 |
| Assets per employee ($millions) | 4.7921% | 2,730 |
| Cash dividends to net income (ytd only)* | 125.0389% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5558% | 1,183 |
| Loan loss allowance to noncurrent loans | 364.1798% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.2780% | 3,569 |
| Noncurrent loans to loans | 0.4272% | 3,128 |
| Net loans and leases to total assets | 64.0547% | 3,418 |
| Net loans and leases to deposits | 72.3708% | 3,746 |
| Net loans and leases to core deposits | 76.1544% | 3,791 |
| Total domestic deposits to total assets | 88.5091% | 1,046 |
| Equity capital to assets | 8.4380% | 4,965 |
| Core capital (leverage) ratio | 8.6650% | 4,988 |
| Tier 1 risk-based capital ratio | 12.6282% | 4,140 |
| Total risk-based capital ratio | 13.8811% | 4,026 |
| Memoranda: | ||
| Average total assets | $762,787,250 | 985 |
| Average earning assets | $725,351,000 | 961 |
| Average equity | $65,469,000 | 1,226 |
| Average total loans | $489,647,250 | 1,070 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1847% | 3,160 |
| Cost of funding earning assets | 0.5032% | 2,989 |
| Net interest margin | 3.6815% | 3,002 |
| Noninterest income to average assets | 0.7309% | 1,738 |
| Noninterest expense to average assets | 2.5838% | 3,378 |
| Loan and lease loss provision to assets | 0.0076% | 3,688 |
| Net operating income to assets | 1.6398% | 825 |
| Return on assets (ROA) | 1.6398% | 829 |
| Pretax return on assets | 1.6400% | 1,374 |
| Return on Equity (ROE) | 18.9958% | 332 |
| Retained earnings to average equity (ytd only) | -12.1699% | 5,438 |
| Net charge-offs to loans | -0.0050% | 4,105 |
| Credit loss provision to net charge-offs | -241.6667% | 4,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9487% | 3,775 |
| Assets per employee ($millions) | 4.6476% | 2,890 |
| Cash dividends to net income (ytd only)* | 164.0663% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5644% | 1,197 |
| Loan loss allowance to noncurrent loans | 353.6995% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.2926% | 3,595 |
| Noncurrent loans to loans | 0.4423% | 3,109 |
| Net loans and leases to total assets | 65.1203% | 3,260 |
| Net loans and leases to deposits | 73.5068% | 3,577 |
| Net loans and leases to core deposits | 77.5579% | 3,614 |
| Total domestic deposits to total assets | 88.5909% | 1,100 |
| Equity capital to assets | 8.4334% | 4,991 |
| Core capital (leverage) ratio | 8.5982% | 5,040 |
| Tier 1 risk-based capital ratio | 12.3522% | 4,272 |
| Total risk-based capital ratio | 13.6051% | 4,158 |
| Memoranda: | ||
| Average total assets | $758,274,670 | 990 |
| Average earning assets | $721,004,330 | 967 |
| Average equity | $65,456,670 | 1,227 |
| Average total loans | $484,485,670 | 1,082 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0428% | 3,454 |
| Cost of funding earning assets | 0.4623% | 3,107 |
| Net interest margin | 3.5804% | 3,253 |
| Noninterest income to average assets | 0.5945% | 2,288 |
| Noninterest expense to average assets | 2.4953% | 3,663 |
| Loan and lease loss provision to assets | 0.0152% | 3,331 |
| Net operating income to assets | 1.4865% | 1,113 |
| Return on assets (ROA) | 1.4865% | 1,115 |
| Pretax return on assets | 1.4871% | 1,711 |
| Return on Equity (ROE) | 17.0267% | 509 |
| Retained earnings to average equity (ytd only) | -21.8673% | 5,518 |
| Net charge-offs to loans | -0.0084% | 4,181 |
| Credit loss provision to net charge-offs | -290.0000% | 3,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3011% | 3,733 |
| Assets per employee ($millions) | 4.6791% | 2,887 |
| Cash dividends to net income (ytd only)* | 228.4300% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6207% | 1,113 |
| Loan loss allowance to noncurrent loans | 403.0005% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 3,831 |
| Noncurrent loans to loans | 0.4022% | 3,339 |
| Net loans and leases to total assets | 62.3816% | 3,503 |
| Net loans and leases to deposits | 70.2693% | 3,765 |
| Net loans and leases to core deposits | 74.3054% | 3,797 |
| Total domestic deposits to total assets | 88.7751% | 1,219 |
| Equity capital to assets | 8.4627% | 5,008 |
| Core capital (leverage) ratio | 8.6445% | 5,024 |
| Tier 1 risk-based capital ratio | 12.7934% | 4,062 |
| Total risk-based capital ratio | 14.0469% | 3,952 |
| Memoranda: | ||
| Average total assets | $760,958,000 | 998 |
| Average earning assets | $723,265,000 | 975 |
| Average equity | $66,437,000 | 1,214 |
| Average total loans | $477,684,500 | 1,103 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9915% | 3,431 |
| Cost of funding earning assets | 0.3636% | 3,578 |
| Net interest margin | 3.6279% | 3,074 |
| Noninterest income to average assets | 0.7574% | 1,747 |
| Noninterest expense to average assets | 2.5718% | 3,535 |
| Loan and lease loss provision to assets | 0.0164% | 3,967 |
| Net operating income to assets | 1.6031% | 651 |
| Return on assets (ROA) | 1.5992% | 668 |
| Pretax return on assets | 1.5992% | 1,289 |
| Return on Equity (ROE) | 18.3650% | 280 |
| Retained earnings to average equity (ytd only) | 3.3986% | 3,250 |
| Net charge-offs to loans | -0.2273% | 5,534 |
| Credit loss provision to net charge-offs | -11.3553% | 4,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2507% | 4,064 |
| Assets per employee ($millions) | 4.7154% | 2,845 |
| Cash dividends to net income (ytd only)* | 81.4943% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6328% | 1,067 |
| Loan loss allowance to noncurrent loans | 337.2933% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.3041% | 3,669 |
| Noncurrent loans to loans | 0.4841% | 3,066 |
| Net loans and leases to total assets | 61.1292% | 3,718 |
| Net loans and leases to deposits | 69.0307% | 3,948 |
| Net loans and leases to core deposits | 73.5080% | 3,917 |
| Total domestic deposits to total assets | 88.5536% | 1,223 |
| Equity capital to assets | 8.9966% | 4,724 |
| Core capital (leverage) ratio | 9.0512% | 4,584 |
| Tier 1 risk-based capital ratio | 13.6078% | 3,567 |
| Total risk-based capital ratio | 14.8613% | 3,487 |
| Memoranda: | ||
| Average total assets | $756,543,200 | 978 |
| Average earning assets | $716,096,400 | 961 |
| Average equity | $65,880,600 | 1,212 |
| Average total loans | $480,427,400 | 1,069 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9970% | 3,372 |
| Cost of funding earning assets | 0.3501% | 3,663 |
| Net interest margin | 3.6469% | 2,967 |
| Noninterest income to average assets | 0.6335% | 2,294 |
| Noninterest expense to average assets | 2.5125% | 3,691 |
| Loan and lease loss provision to assets | 0.0186% | 3,772 |
| Net operating income to assets | 1.5494% | 806 |
| Return on assets (ROA) | 1.5605% | 801 |
| Pretax return on assets | 1.5605% | 1,542 |
| Return on Equity (ROE) | 18.0714% | 327 |
| Retained earnings to average equity (ytd only) | -2.1011% | 5,438 |
| Net charge-offs to loans | -0.3564% | 5,623 |
| Credit loss provision to net charge-offs | -8.1522% | 4,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4625% | 3,962 |
| Assets per employee ($millions) | 4.5979% | 2,983 |
| Cash dividends to net income (ytd only)* | 111.6269% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6268% | 1,180 |
| Loan loss allowance to noncurrent loans | 468.5579% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.3931% | 3,458 |
| Noncurrent loans to loans | 0.3472% | 3,704 |
| Net loans and leases to total assets | 64.3616% | 3,338 |
| Net loans and leases to deposits | 72.5534% | 3,713 |
| Net loans and leases to core deposits | 77.6500% | 3,668 |
| Total domestic deposits to total assets | 88.7093% | 1,009 |
| Equity capital to assets | 8.9210% | 4,982 |
| Core capital (leverage) ratio | 8.7762% | 4,994 |
| Tier 1 risk-based capital ratio | 12.6368% | 4,239 |
| Total risk-based capital ratio | 13.8902% | 4,136 |
| Memoranda: | ||
| Average total assets | $754,704,250 | 985 |
| Average earning assets | $713,319,250 | 968 |
| Average equity | $65,169,500 | 1,230 |
| Average total loans | $481,855,250 | 1,070 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9007% | 3,542 |
| Cost of funding earning assets | 0.3283% | 3,815 |
| Net interest margin | 3.5724% | 3,138 |
| Noninterest income to average assets | 0.6752% | 2,097 |
| Noninterest expense to average assets | 2.5436% | 3,604 |
| Loan and lease loss provision to assets | 0.0164% | 3,628 |
| Net operating income to assets | 1.4887% | 889 |
| Return on assets (ROA) | 1.4992% | 889 |
| Pretax return on assets | 1.4992% | 1,639 |
| Return on Equity (ROE) | 17.5525% | 365 |
| Retained earnings to average equity (ytd only) | -9.2303% | 5,636 |
| Net charge-offs to loans | -0.0358% | 5,034 |
| Credit loss provision to net charge-offs | -72.0930% | 4,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7086% | 3,861 |
| Assets per employee ($millions) | 4.6461% | 2,870 |
| Cash dividends to net income (ytd only)* | 152.5871% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3783% | 2,046 |
| Loan loss allowance to noncurrent loans | 398.7470% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.2227% | 4,260 |
| Noncurrent loans to loans | 0.3457% | 3,800 |
| Net loans and leases to total assets | 63.5342% | 3,446 |
| Net loans and leases to deposits | 71.3398% | 3,796 |
| Net loans and leases to core deposits | 76.3841% | 3,740 |
| Total domestic deposits to total assets | 89.0586% | 927 |
| Equity capital to assets | 8.5817% | 5,240 |
| Core capital (leverage) ratio | 8.4984% | 5,219 |
| Tier 1 risk-based capital ratio | 12.3266% | 4,402 |
| Total risk-based capital ratio | 13.5772% | 4,299 |
| Memoranda: | ||
| Average total assets | $757,985,000 | 985 |
| Average earning assets | $715,762,000 | 965 |
| Average equity | $64,743,000 | 1,235 |
| Average total loans | $480,029,330 | 1,074 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8108% | 3,729 |
| Cost of funding earning assets | 0.3244% | 3,808 |
| Net interest margin | 3.4864% | 3,325 |
| Noninterest income to average assets | 0.5800% | 2,509 |
| Noninterest expense to average assets | 2.4816% | 3,869 |
| Loan and lease loss provision to assets | 0.0216% | 3,301 |
| Net operating income to assets | 1.3609% | 1,089 |
| Return on assets (ROA) | 1.3636% | 1,120 |
| Pretax return on assets | 1.3636% | 2,017 |
| Return on Equity (ROE) | 16.0015% | 530 |
| Retained earnings to average equity (ytd only) | -20.7161% | 5,736 |
| Net charge-offs to loans | -0.0737% | 5,347 |
| Credit loss provision to net charge-offs | -46.5909% | 3,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0991% | 3,812 |
| Assets per employee ($millions) | 4.5388% | 3,104 |
| Cash dividends to net income (ytd only)* | 229.4639% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 2,008 |
| Loan loss allowance to noncurrent loans | 389.4798% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 4,318 |
| Noncurrent loans to loans | 0.3637% | 3,786 |
| Net loans and leases to total assets | 61.1790% | 3,637 |
| Net loans and leases to deposits | 68.4747% | 3,946 |
| Net loans and leases to core deposits | 73.2789% | 3,896 |
| Total domestic deposits to total assets | 89.3454% | 979 |
| Equity capital to assets | 8.3716% | 5,319 |
| Core capital (leverage) ratio | 8.3726% | 5,326 |
| Tier 1 risk-based capital ratio | 12.5500% | 4,359 |
| Total risk-based capital ratio | 13.8009% | 4,262 |
| Memoranda: | ||
| Average total assets | $760,646,500 | 984 |
| Average earning assets | $716,490,000 | 965 |
| Average equity | $64,819,000 | 1,231 |
| Average total loans | $477,603,500 | 1,072 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9904% | 3,225 |
| Cost of funding earning assets | 0.3486% | 3,530 |
| Net interest margin | 3.6418% | 2,922 |
| Noninterest income to average assets | 0.8618% | 1,532 |
| Noninterest expense to average assets | 2.5758% | 3,757 |
| Loan and lease loss provision to assets | 0.0245% | 3,867 |
| Net operating income to assets | 1.6500% | 611 |
| Return on assets (ROA) | 1.6599% | 622 |
| Pretax return on assets | 1.6599% | 1,106 |
| Return on Equity (ROE) | 19.1715% | 259 |
| Retained earnings to average equity (ytd only) | -0.1424% | 5,325 |
| Net charge-offs to loans | 0.1567% | 1,706 |
| Credit loss provision to net charge-offs | 24.1602% | 3,639 |
| Earnings coverage of net charge-offs (x) | 16.4948% | 2,102 |
| Efficiency ratio | 60.4950% | 4,506 |
| Assets per employee ($millions) | 4.5708% | 3,012 |
| Cash dividends to net income (ytd only)* | 100.7427% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3479% | 2,311 |
| Loan loss allowance to noncurrent loans | 274.4645% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.3119% | 4,028 |
| Noncurrent loans to loans | 0.4911% | 3,395 |
| Net loans and leases to total assets | 62.6589% | 3,519 |
| Net loans and leases to deposits | 70.2634% | 3,877 |
| Net loans and leases to core deposits | 75.6218% | 3,778 |
| Total domestic deposits to total assets | 89.1771% | 1,024 |
| Equity capital to assets | 8.6704% | 5,134 |
| Core capital (leverage) ratio | 8.7886% | 4,980 |
| Tier 1 risk-based capital ratio | 12.8903% | 4,139 |
| Total risk-based capital ratio | 14.1405% | 4,036 |
| Memoranda: | ||
| Average total assets | $762,437,600 | 946 |
| Average earning assets | $709,408,600 | 940 |
| Average equity | $66,014,600 | 1,187 |
| Average total loans | $494,060,000 | 984 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0231% | 3,136 |
| Cost of funding earning assets | 0.3536% | 3,500 |
| Net interest margin | 3.6695% | 2,829 |
| Noninterest income to average assets | 0.7908% | 1,801 |
| Noninterest expense to average assets | 2.4734% | 4,067 |
| Loan and lease loss provision to assets | 0.0287% | 3,664 |
| Net operating income to assets | 1.7017% | 589 |
| Return on assets (ROA) | 1.7164% | 608 |
| Pretax return on assets | 1.7164% | 1,071 |
| Return on Equity (ROE) | 19.8300% | 250 |
| Retained earnings to average equity (ytd only) | -5.9377% | 5,765 |
| Net charge-offs to loans | -0.0019% | 4,486 |
| Credit loss provision to net charge-offs | -2,342.8571% | 5,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7300% | 4,719 |
| Assets per employee ($millions) | 4.5313% | 3,038 |
| Cash dividends to net income (ytd only)* | 129.9430% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4600% | 1,937 |
| Loan loss allowance to noncurrent loans | 207.1287% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.4681% | 3,558 |
| Noncurrent loans to loans | 0.7049% | 2,925 |
| Net loans and leases to total assets | 65.4374% | 3,212 |
| Net loans and leases to deposits | 73.4992% | 3,641 |
| Net loans and leases to core deposits | 79.5286% | 3,492 |
| Total domestic deposits to total assets | 89.0314% | 890 |
| Equity capital to assets | 8.6932% | 5,401 |
| Core capital (leverage) ratio | 8.5048% | 5,354 |
| Tier 1 risk-based capital ratio | 11.9990% | 4,788 |
| Total risk-based capital ratio | 13.2506% | 4,692 |
| Memoranda: | ||
| Average total assets | $762,217,750 | 944 |
| Average earning assets | $708,920,750 | 943 |
| Average equity | $65,972,500 | 1,194 |
| Average total loans | $496,369,750 | 981 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0060% | 3,223 |
| Cost of funding earning assets | 0.3487% | 3,588 |
| Net interest margin | 3.6573% | 2,867 |
| Noninterest income to average assets | 0.7864% | 1,778 |
| Noninterest expense to average assets | 2.4764% | 4,097 |
| Loan and lease loss provision to assets | 0.0214% | 3,701 |
| Net operating income to assets | 1.6890% | 592 |
| Return on assets (ROA) | 1.7091% | 600 |
| Pretax return on assets | 1.7091% | 1,066 |
| Return on Equity (ROE) | 19.7743% | 252 |
| Retained earnings to average equity (ytd only) | -11.0569% | 5,894 |
| Net charge-offs to loans | -0.0028% | 4,412 |
| Credit loss provision to net charge-offs | -1,171.4286% | 5,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0416% | 4,766 |
| Assets per employee ($millions) | 4.5094% | 3,005 |
| Cash dividends to net income (ytd only)* | 155.9156% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4495% | 2,067 |
| Loan loss allowance to noncurrent loans | 219.7136% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.4384% | 3,753 |
| Noncurrent loans to loans | 0.6597% | 3,094 |
| Net loans and leases to total assets | 65.4953% | 3,153 |
| Net loans and leases to deposits | 74.0242% | 3,593 |
| Net loans and leases to core deposits | 80.2116% | 3,442 |
| Total domestic deposits to total assets | 88.4782% | 1,178 |
| Equity capital to assets | 8.7205% | 5,467 |
| Core capital (leverage) ratio | 8.3270% | 5,512 |
| Tier 1 risk-based capital ratio | 11.9850% | 4,835 |
| Total risk-based capital ratio | 13.2366% | 4,750 |
| Memoranda: | ||
| Average total assets | $765,558,670 | 938 |
| Average earning assets | $711,776,000 | 937 |
| Average equity | $66,166,670 | 1,189 |
| Average total loans | $495,323,000 | 987 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9825% | 3,279 |
| Cost of funding earning assets | 0.3487% | 3,612 |
| Net interest margin | 3.6338% | 2,944 |
| Noninterest income to average assets | 0.6501% | 2,266 |
| Noninterest expense to average assets | 2.4055% | 4,348 |
| Loan and lease loss provision to assets | 0.0186% | 3,447 |
| Net operating income to assets | 1.5921% | 711 |
| Return on assets (ROA) | 1.6340% | 698 |
| Pretax return on assets | 1.6340% | 1,219 |
| Return on Equity (ROE) | 18.9879% | 298 |
| Retained earnings to average equity (ytd only) | -17.7628% | 5,940 |
| Net charge-offs to loans | 0.0049% | 2,952 |
| Credit loss provision to net charge-offs | 600.0000% | 524 |
| Earnings coverage of net charge-offs (x) | 519.5000% | 106 |
| Efficiency ratio | 59.7787% | 4,775 |
| Assets per employee ($millions) | 4.5747% | 2,945 |
| Cash dividends to net income (ytd only)* | 193.5484% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4591% | 2,161 |
| Loan loss allowance to noncurrent loans | 543.0524% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.1714% | 4,883 |
| Noncurrent loans to loans | 0.2687% | 4,473 |
| Net loans and leases to total assets | 62.8461% | 3,409 |
| Net loans and leases to deposits | 70.7081% | 3,787 |
| Net loans and leases to core deposits | 76.5438% | 3,633 |
| Total domestic deposits to total assets | 88.8811% | 1,164 |
| Equity capital to assets | 8.4963% | 5,566 |
| Core capital (leverage) ratio | 8.3244% | 5,545 |
| Tier 1 risk-based capital ratio | 12.1832% | 4,788 |
| Total risk-based capital ratio | 13.4346% | 4,695 |
| Memoranda: | ||
| Average total assets | $774,059,500 | 931 |
| Average earning assets | $717,042,500 | 930 |
| Average equity | $66,611,000 | 1,180 |
| Average total loans | $494,244,000 | 983 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9772% | 3,394 |
| Cost of funding earning assets | 0.3664% | 3,521 |
| Net interest margin | 3.6108% | 3,090 |
| Noninterest income to average assets | 0.8996% | 1,445 |
| Noninterest expense to average assets | 2.4577% | 4,363 |
| Loan and lease loss provision to assets | 0.0154% | 4,102 |
| Net operating income to assets | 1.7516% | 527 |
| Return on assets (ROA) | 1.8831% | 428 |
| Pretax return on assets | 1.8831% | 679 |
| Return on Equity (ROE) | 23.1137% | 131 |
| Retained earnings to average equity (ytd only) | 10.8896% | 357 |
| Net charge-offs to loans | 0.0014% | 4,430 |
| Credit loss provision to net charge-offs | 1,714.2857% | 202 |
| Earnings coverage of net charge-offs (x) | 1,971.1429% | 20 |
| Efficiency ratio | 58.0691% | 5,134 |
| Assets per employee ($millions) | 4.6403% | 2,825 |
| Cash dividends to net income (ytd only)* | 52.8868% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 2,296 |
| Loan loss allowance to noncurrent loans | 420.6734% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 4,731 |
| Noncurrent loans to loans | 0.3397% | 4,245 |
| Net loans and leases to total assets | 63.0105% | 3,412 |
| Net loans and leases to deposits | 70.9831% | 3,813 |
| Net loans and leases to core deposits | 77.0953% | 3,659 |
| Total domestic deposits to total assets | 88.7682% | 1,246 |
| Equity capital to assets | 8.7130% | 5,379 |
| Core capital (leverage) ratio | 8.5655% | 5,363 |
| Tier 1 risk-based capital ratio | 12.4945% | 4,637 |
| Total risk-based capital ratio | 13.7456% | 4,526 |
| Memoranda: | ||
| Average total assets | $780,879,600 | 887 |
| Average earning assets | $719,099,200 | 884 |
| Average equity | $63,620,400 | 1,186 |
| Average total loans | $498,526,800 | 939 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9659% | 3,478 |
| Cost of funding earning assets | 0.3718% | 3,527 |
| Net interest margin | 3.5940% | 3,189 |
| Noninterest income to average assets | 0.8791% | 1,512 |
| Noninterest expense to average assets | 2.3879% | 4,545 |
| Loan and lease loss provision to assets | 0.0130% | 4,012 |
| Net operating income to assets | 1.7861% | 535 |
| Return on assets (ROA) | 1.9605% | 401 |
| Pretax return on assets | 1.9605% | 647 |
| Return on Equity (ROE) | 24.4876% | 121 |
| Retained earnings to average equity (ytd only) | 7.9088% | 1,275 |
| Net charge-offs to loans | -0.0385% | 5,449 |
| Credit loss provision to net charge-offs | -52.7778% | 4,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9256% | 5,235 |
| Assets per employee ($millions) | 4.0986% | 3,699 |
| Cash dividends to net income (ytd only)* | 67.7026% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4303% | 2,455 |
| Loan loss allowance to noncurrent loans | 412.8498% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 4,851 |
| Noncurrent loans to loans | 0.3464% | 4,370 |
| Net loans and leases to total assets | 64.9991% | 3,156 |
| Net loans and leases to deposits | 73.2471% | 3,622 |
| Net loans and leases to core deposits | 80.7084% | 3,371 |
| Total domestic deposits to total assets | 88.7396% | 1,157 |
| Equity capital to assets | 8.4331% | 5,743 |
| Core capital (leverage) ratio | 8.1834% | 5,786 |
| Tier 1 risk-based capital ratio | 11.6485% | 5,298 |
| Total risk-based capital ratio | 12.8996% | 5,216 |
| Memoranda: | ||
| Average total assets | $781,205,750 | 887 |
| Average earning assets | $718,987,000 | 892 |
| Average equity | $62,544,500 | 1,214 |
| Average total loans | $498,574,500 | 942 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9221% | 3,607 |
| Cost of funding earning assets | 0.3714% | 3,584 |
| Net interest margin | 3.5507% | 3,286 |
| Noninterest income to average assets | 0.8739% | 1,529 |
| Noninterest expense to average assets | 2.3793% | 4,621 |
| Loan and lease loss provision to assets | 0.0071% | 3,964 |
| Net operating income to assets | 1.7593% | 558 |
| Return on assets (ROA) | 1.9809% | 393 |
| Pretax return on assets | 1.9809% | 618 |
| Return on Equity (ROE) | 25.1780% | 116 |
| Retained earnings to average equity (ytd only) | 4.9735% | 2,879 |
| Net charge-offs to loans | -0.0568% | 5,591 |
| Credit loss provision to net charge-offs | -19.8582% | 4,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2875% | 5,308 |
| Assets per employee ($millions) | 4.1672% | 3,535 |
| Cash dividends to net income (ytd only)* | 80.2466% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4277% | 2,627 |
| Loan loss allowance to noncurrent loans | 444.1832% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.2085% | 5,033 |
| Noncurrent loans to loans | 0.3214% | 4,544 |
| Net loans and leases to total assets | 63.9398% | 3,270 |
| Net loans and leases to deposits | 71.4879% | 3,761 |
| Net loans and leases to core deposits | 78.4822% | 3,531 |
| Total domestic deposits to total assets | 89.4414% | 929 |
| Equity capital to assets | 7.9848% | 5,990 |
| Core capital (leverage) ratio | 7.7856% | 6,019 |
| Tier 1 risk-based capital ratio | 11.3303% | 5,560 |
| Total risk-based capital ratio | 12.5813% | 5,487 |
| Memoranda: | ||
| Average total assets | $786,125,330 | 891 |
| Average earning assets | $724,356,330 | 891 |
| Average equity | $61,847,670 | 1,230 |
| Average total loans | $496,295,000 | 948 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8188% | 3,938 |
| Cost of funding earning assets | 0.3693% | 3,654 |
| Net interest margin | 3.4495% | 3,628 |
| Noninterest income to average assets | 0.8039% | 1,700 |
| Noninterest expense to average assets | 2.2631% | 4,962 |
| Loan and lease loss provision to assets | 0.0141% | 3,540 |
| Net operating income to assets | 1.7073% | 579 |
| Return on assets (ROA) | 1.9438% | 397 |
| Pretax return on assets | 1.9438% | 659 |
| Return on Equity (ROE) | 24.8890% | 108 |
| Retained earnings to average equity (ytd only) | 2.8920% | 4,232 |
| Net charge-offs to loans | -0.0560% | 5,575 |
| Credit loss provision to net charge-offs | -40.5797% | 4,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6827% | 5,468 |
| Assets per employee ($millions) | 4.2951% | 3,377 |
| Cash dividends to net income (ytd only)* | 88.3806% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4396% | 2,742 |
| Loan loss allowance to noncurrent loans | 440.8189% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 5,152 |
| Noncurrent loans to loans | 0.3266% | 4,622 |
| Net loans and leases to total assets | 60.9000% | 3,538 |
| Net loans and leases to deposits | 68.5295% | 3,907 |
| Net loans and leases to core deposits | 75.0889% | 3,677 |
| Total domestic deposits to total assets | 88.8668% | 1,352 |
| Equity capital to assets | 7.7877% | 6,102 |
| Core capital (leverage) ratio | 7.6595% | 6,088 |
| Tier 1 risk-based capital ratio | 11.5377% | 5,535 |
| Total risk-based capital ratio | 12.7891% | 5,450 |
| Memoranda: | ||
| Average total assets | $791,640,500 | 890 |
| Average earning assets | $729,961,500 | 886 |
| Average equity | $61,826,500 | 1,236 |
| Average total loans | $493,056,500 | 953 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1492% | 3,127 |
| Cost of funding earning assets | 0.4349% | 3,333 |
| Net interest margin | 3.7143% | 2,957 |
| Noninterest income to average assets | 0.9253% | 1,425 |
| Noninterest expense to average assets | 2.4591% | 4,676 |
| Loan and lease loss provision to assets | 0.0632% | 3,253 |
| Net operating income to assets | 1.8206% | 462 |
| Return on assets (ROA) | 1.8965% | 413 |
| Pretax return on assets | 1.8965% | 651 |
| Return on Equity (ROE) | 24.9918% | 106 |
| Retained earnings to average equity (ytd only) | 12.0634% | 294 |
| Net charge-offs to loans | -0.0577% | 5,969 |
| Credit loss provision to net charge-offs | -170.4797% | 5,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5135% | 5,619 |
| Assets per employee ($millions) | 4.1503% | 3,634 |
| Cash dividends to net income (ytd only)* | 51.7306% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4232% | 2,833 |
| Loan loss allowance to noncurrent loans | 1,730.6173% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0516% | 5,815 |
| Noncurrent loans to loans | 0.0822% | 5,558 |
| Net loans and leases to total assets | 61.8918% | 3,515 |
| Net loans and leases to deposits | 69.5571% | 3,972 |
| Net loans and leases to core deposits | 76.7761% | 3,626 |
| Total domestic deposits to total assets | 88.9799% | 1,251 |
| Equity capital to assets | 7.8326% | 6,132 |
| Core capital (leverage) ratio | 7.6623% | 6,146 |
| Tier 1 risk-based capital ratio | 11.4747% | 5,679 |
| Total risk-based capital ratio | 12.7260% | 5,598 |
| Memoranda: | ||
| Average total assets | $731,249,400 | 919 |
| Average earning assets | $672,832,400 | 913 |
| Average equity | $55,490,200 | 1,315 |
| Average total loans | $469,632,600 | 947 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1570% | 3,142 |
| Cost of funding earning assets | 0.4463% | 3,296 |
| Net interest margin | 3.7107% | 2,983 |
| Noninterest income to average assets | 0.8347% | 1,760 |
| Noninterest expense to average assets | 2.4322% | 4,726 |
| Loan and lease loss provision to assets | 0.0708% | 2,933 |
| Net operating income to assets | 1.7471% | 566 |
| Return on assets (ROA) | 1.8277% | 502 |
| Pretax return on assets | 1.8277% | 837 |
| Return on Equity (ROE) | 24.2993% | 118 |
| Retained earnings to average equity (ytd only) | 6.5871% | 2,047 |
| Net charge-offs to loans | -0.0503% | 5,910 |
| Credit loss provision to net charge-offs | -217.7143% | 5,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1135% | 5,549 |
| Assets per employee ($millions) | 3.9670% | 3,956 |
| Cash dividends to net income (ytd only)* | 72.8916% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 3,074 |
| Loan loss allowance to noncurrent loans | 1,262.8466% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 5,869 |
| Noncurrent loans to loans | 0.1126% | 5,591 |
| Net loans and leases to total assets | 63.1879% | 3,319 |
| Net loans and leases to deposits | 70.8680% | 3,816 |
| Net loans and leases to core deposits | 78.8799% | 3,454 |
| Total domestic deposits to total assets | 89.1628% | 1,144 |
| Equity capital to assets | 7.6788% | 6,254 |
| Core capital (leverage) ratio | 7.6532% | 6,229 |
| Tier 1 risk-based capital ratio | 10.9106% | 6,034 |
| Total risk-based capital ratio | 12.1619% | 5,986 |
| Memoranda: | ||
| Average total assets | $717,961,500 | 944 |
| Average earning assets | $660,818,000 | 939 |
| Average equity | $54,003,000 | 1,361 |
| Average total loans | $463,918,500 | 961 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1557% | 3,123 |
| Cost of funding earning assets | 0.4575% | 3,237 |
| Net interest margin | 3.6982% | 2,970 |
| Noninterest income to average assets | 0.7569% | 2,018 |
| Noninterest expense to average assets | 2.4760% | 4,653 |
| Loan and lease loss provision to assets | 0.0854% | 2,600 |
| Net operating income to assets | 1.6034% | 700 |
| Return on assets (ROA) | 1.6950% | 608 |
| Pretax return on assets | 1.6950% | 1,030 |
| Return on Equity (ROE) | 22.7027% | 177 |
| Retained earnings to average equity (ytd only) | 0.0417% | 5,664 |
| Net charge-offs to loans | -0.0249% | 5,613 |
| Credit loss provision to net charge-offs | -529.8246% | 5,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3279% | 5,382 |
| Assets per employee ($millions) | 3.7315% | 4,390 |
| Cash dividends to net income (ytd only)* | 99.8165% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3986% | 3,358 |
| Loan loss allowance to noncurrent loans | 1,164.0351% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0808% | 5,933 |
| Noncurrent loans to loans | 0.1202% | 5,657 |
| Net loans and leases to total assets | 66.3263% | 2,706 |
| Net loans and leases to deposits | 74.4949% | 3,268 |
| Net loans and leases to core deposits | 84.6413% | 2,672 |
| Total domestic deposits to total assets | 89.0346% | 1,333 |
| Equity capital to assets | 7.7414% | 6,279 |
| Core capital (leverage) ratio | 7.4629% | 6,325 |
| Tier 1 risk-based capital ratio | 10.6056% | 6,217 |
| Total risk-based capital ratio | 11.8566% | 6,159 |
| Memoranda: | ||
| Average total assets | $707,361,330 | 954 |
| Average earning assets | $651,833,000 | 953 |
| Average equity | $52,813,000 | 1,375 |
| Average total loans | $458,361,000 | 963 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0342% | 3,545 |
| Cost of funding earning assets | 0.4510% | 3,418 |
| Net interest margin | 3.5832% | 3,321 |
| Noninterest income to average assets | 0.6945% | 2,202 |
| Noninterest expense to average assets | 2.3884% | 4,961 |
| Loan and lease loss provision to assets | 0.1163% | 2,021 |
| Net operating income to assets | 1.5048% | 809 |
| Return on assets (ROA) | 1.5686% | 738 |
| Pretax return on assets | 1.5686% | 1,241 |
| Return on Equity (ROE) | 21.4017% | 226 |
| Retained earnings to average equity (ytd only) | -4.7919% | 6,108 |
| Net charge-offs to loans | -0.0133% | 5,155 |
| Credit loss provision to net charge-offs | -1,373.3333% | 5,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4423% | 5,483 |
| Assets per employee ($millions) | 3.7638% | 4,387 |
| Cash dividends to net income (ytd only)* | 122.3902% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4482% | 3,374 |
| Loan loss allowance to noncurrent loans | 4,060.6250% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 6,232 |
| Noncurrent loans to loans | 0.0357% | 6,043 |
| Net loans and leases to total assets | 62.1518% | 3,212 |
| Net loans and leases to deposits | 69.7872% | 3,632 |
| Net loans and leases to core deposits | 79.1771% | 3,066 |
| Total domestic deposits to total assets | 89.0591% | 1,620 |
| Equity capital to assets | 7.3971% | 6,344 |
| Core capital (leverage) ratio | 7.5344% | 6,325 |
| Tier 1 risk-based capital ratio | 11.0241% | 6,143 |
| Total risk-based capital ratio | 12.2757% | 6,093 |
| Memoranda: | ||
| Average total assets | $708,414,000 | 958 |
| Average earning assets | $655,397,000 | 950 |
| Average equity | $51,921,000 | 1,395 |
| Average total loans | $450,339,000 | 975 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2305% | 3,230 |
| Cost of funding earning assets | 0.5029% | 3,580 |
| Net interest margin | 3.7275% | 2,946 |
| Noninterest income to average assets | 1.1811% | 1,018 |
| Noninterest expense to average assets | 2.6594% | 4,243 |
| Loan and lease loss provision to assets | 0.1467% | 2,460 |
| Net operating income to assets | 1.8170% | 469 |
| Return on assets (ROA) | 1.8218% | 472 |
| Pretax return on assets | 1.8108% | 740 |
| Return on Equity (ROE) | 25.1335% | 124 |
| Retained earnings to average equity (ytd only) | 10.6898% | 466 |
| Net charge-offs to loans | 0.0130% | 5,194 |
| Credit loss provision to net charge-offs | 1,769.6429% | 139 |
| Earnings coverage of net charge-offs (x) | 235.5536% | 194 |
| Efficiency ratio | 57.5477% | 5,785 |
| Assets per employee ($millions) | 3.7326% | 4,401 |
| Cash dividends to net income (ytd only)* | 57.4679% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 3,706 |
| Loan loss allowance to noncurrent loans | 516.9687% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 5,799 |
| Noncurrent loans to loans | 0.2685% | 5,378 |
| Net loans and leases to total assets | 63.1895% | 3,184 |
| Net loans and leases to deposits | 71.0889% | 3,644 |
| Net loans and leases to core deposits | 80.5334% | 3,062 |
| Total domestic deposits to total assets | 88.8880% | 1,705 |
| Equity capital to assets | 7.2607% | 6,380 |
| Core capital (leverage) ratio | 7.5589% | 6,349 |
| Tier 1 risk-based capital ratio | 11.1332% | 6,106 |
| Total risk-based capital ratio | 12.3841% | 6,057 |
| Memoranda: | ||
| Average total assets | $675,497,400 | 986 |
| Average earning assets | $621,776,600 | 979 |
| Average equity | $48,962,600 | 1,439 |
| Average total loans | $431,795,000 | 987 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2231% | 3,302 |
| Cost of funding earning assets | 0.5117% | 3,653 |
| Net interest margin | 3.7114% | 2,986 |
| Noninterest income to average assets | 1.2020% | 1,013 |
| Noninterest expense to average assets | 2.5642% | 4,504 |
| Loan and lease loss provision to assets | 0.1583% | 2,284 |
| Net operating income to assets | 1.8914% | 441 |
| Return on assets (ROA) | 1.8963% | 450 |
| Pretax return on assets | 1.8963% | 718 |
| Return on Equity (ROE) | 26.1741% | 102 |
| Retained earnings to average equity (ytd only) | 6.6916% | 2,039 |
| Net charge-offs to loans | 0.0456% | 4,257 |
| Credit loss provision to net charge-offs | 543.1507% | 518 |
| Earnings coverage of net charge-offs (x) | 70.3363% | 664 |
| Efficiency ratio | 55.4637% | 5,977 |
| Assets per employee ($millions) | 3.6577% | 4,542 |
| Cash dividends to net income (ytd only)* | 74.4343% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 4,139 |
| Loan loss allowance to noncurrent loans | 398.6684% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.2173% | 5,799 |
| Noncurrent loans to loans | 0.3386% | 5,374 |
| Net loans and leases to total assets | 63.3039% | 3,110 |
| Net loans and leases to deposits | 71.3952% | 3,586 |
| Net loans and leases to core deposits | 81.6776% | 2,913 |
| Total domestic deposits to total assets | 88.6669% | 1,740 |
| Equity capital to assets | 7.1180% | 6,516 |
| Core capital (leverage) ratio | 7.5419% | 6,431 |
| Tier 1 risk-based capital ratio | 10.7653% | 6,373 |
| Total risk-based capital ratio | 12.0160% | 6,342 |
| Memoranda: | ||
| Average total assets | $668,004,250 | 1,002 |
| Average earning assets | $614,093,250 | 999 |
| Average equity | $48,397,750 | 1,467 |
| Average total loans | $426,729,000 | 1,005 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1969% | 3,383 |
| Cost of funding earning assets | 0.5132% | 3,776 |
| Net interest margin | 3.6837% | 3,019 |
| Noninterest income to average assets | 1.0675% | 1,345 |
| Noninterest expense to average assets | 2.5733% | 4,478 |
| Loan and lease loss provision to assets | 0.1678% | 2,237 |
| Net operating income to assets | 1.7097% | 612 |
| Return on assets (ROA) | 1.7200% | 653 |
| Pretax return on assets | 1.7200% | 1,072 |
| Return on Equity (ROE) | 23.5956% | 152 |
| Retained earnings to average equity (ytd only) | -0.4239% | 5,941 |
| Net charge-offs to loans | 0.0703% | 3,707 |
| Credit loss provision to net charge-offs | 374.3243% | 696 |
| Earnings coverage of net charge-offs (x) | 41.8784% | 901 |
| Efficiency ratio | 57.7009% | 5,778 |
| Assets per employee ($millions) | 3.6537% | 4,513 |
| Cash dividends to net income (ytd only)* | 101.7964% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 4,432 |
| Loan loss allowance to noncurrent loans | 1,088.4470% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 6,253 |
| Noncurrent loans to loans | 0.1208% | 6,027 |
| Net loans and leases to total assets | 66.3171% | 2,536 |
| Net loans and leases to deposits | 74.2467% | 3,116 |
| Net loans and leases to core deposits | 84.7242% | 2,464 |
| Total domestic deposits to total assets | 89.3198% | 1,433 |
| Equity capital to assets | 7.0113% | 6,601 |
| Core capital (leverage) ratio | 7.3990% | 6,493 |
| Tier 1 risk-based capital ratio | 10.4364% | 6,529 |
| Total risk-based capital ratio | 11.6867% | 6,498 |
| Memoranda: | ||
| Average total assets | $660,234,670 | 1,015 |
| Average earning assets | $606,406,000 | 1,017 |
| Average equity | $48,127,670 | 1,478 |
| Average total loans | $421,100,000 | 1,013 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1299% | 3,596 |
| Cost of funding earning assets | 0.5191% | 3,890 |
| Net interest margin | 3.6108% | 3,216 |
| Noninterest income to average assets | 1.1101% | 1,207 |
| Noninterest expense to average assets | 2.4848% | 4,809 |
| Loan and lease loss provision to assets | 0.1678% | 2,179 |
| Net operating income to assets | 1.6408% | 657 |
| Return on assets (ROA) | 1.6615% | 699 |
| Pretax return on assets | 1.7926% | 894 |
| Return on Equity (ROE) | 22.3761% | 181 |
| Retained earnings to average equity (ytd only) | -5.1587% | 6,376 |
| Net charge-offs to loans | 0.0242% | 3,695 |
| Credit loss provision to net charge-offs | 1,116.0000% | 287 |
| Earnings coverage of net charge-offs (x) | 128.9200% | 300 |
| Efficiency ratio | 56.0571% | 6,057 |
| Assets per employee ($millions) | 3.6932% | 4,575 |
| Cash dividends to net income (ytd only)* | 123.0547% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3646% | 4,403 |
| Loan loss allowance to noncurrent loans | 799.2857% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.1065% | 6,262 |
| Noncurrent loans to loans | 0.1707% | 5,973 |
| Net loans and leases to total assets | 61.5197% | 3,166 |
| Net loans and leases to deposits | 69.5681% | 3,560 |
| Net loans and leases to core deposits | 76.7768% | 3,227 |
| Total domestic deposits to total assets | 88.4310% | 2,047 |
| Equity capital to assets | 7.4149% | 6,619 |
| Core capital (leverage) ratio | 7.2165% | 6,575 |
| Tier 1 risk-based capital ratio | 10.9424% | 6,433 |
| Total risk-based capital ratio | 12.1932% | 6,401 |
| Memoranda: | ||
| Average total assets | $665,169,500 | 1,013 |
| Average earning assets | $610,276,500 | 1,016 |
| Average equity | $49,392,000 | 1,468 |
| Average total loans | $413,125,000 | 1,035 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6388% | 2,852 |
| Cost of funding earning assets | 0.6399% | 4,006 |
| Net interest margin | 3.9989% | 2,392 |
| Noninterest income to average assets | 1.6133% | 610 |
| Noninterest expense to average assets | 2.7394% | 4,252 |
| Loan and lease loss provision to assets | 0.2308% | 2,824 |
| Net operating income to assets | 2.2056% | 255 |
| Return on assets (ROA) | 2.2050% | 277 |
| Pretax return on assets | 2.3217% | 324 |
| Return on Equity (ROE) | 29.7952% | 64 |
| Retained earnings to average equity (ytd only) | 16.4328% | 110 |
| Net charge-offs to loans | 0.3687% | 2,784 |
| Credit loss provision to net charge-offs | 95.4422% | 3,255 |
| Earnings coverage of net charge-offs (x) | 10.5558% | 2,130 |
| Efficiency ratio | 51.6508% | 6,487 |
| Assets per employee ($millions) | 3.7806% | 4,408 |
| Cash dividends to net income (ytd only)* | 44.8474% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 4,723 |
| Loan loss allowance to noncurrent loans | 1,412.9630% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 6,483 |
| Noncurrent loans to loans | 0.0908% | 6,259 |
| Net loans and leases to total assets | 61.0580% | 3,407 |
| Net loans and leases to deposits | 68.8424% | 3,856 |
| Net loans and leases to core deposits | 75.7370% | 3,570 |
| Total domestic deposits to total assets | 88.6925% | 1,773 |
| Equity capital to assets | 7.4358% | 6,656 |
| Core capital (leverage) ratio | 7.5296% | 6,488 |
| Tier 1 risk-based capital ratio | 10.9127% | 6,381 |
| Total risk-based capital ratio | 12.1451% | 6,360 |
| Memoranda: | ||
| Average total assets | $607,756,400 | 1,091 |
| Average earning assets | $559,172,200 | 1,086 |
| Average equity | $44,977,000 | 1,545 |
| Average total loans | $398,727,600 | 1,048 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7320% | 2,662 |
| Cost of funding earning assets | 0.6700% | 4,019 |
| Net interest margin | 4.0621% | 2,247 |
| Noninterest income to average assets | 1.6161% | 569 |
| Noninterest expense to average assets | 2.6932% | 4,393 |
| Loan and lease loss provision to assets | 0.2480% | 2,581 |
| Net operating income to assets | 2.2745% | 247 |
| Return on assets (ROA) | 2.2736% | 273 |
| Pretax return on assets | 2.4217% | 333 |
| Return on Equity (ROE) | 30.7646% | 71 |
| Retained earnings to average equity (ytd only) | 12.4327% | 460 |
| Net charge-offs to loans | 0.4950% | 2,131 |
| Credit loss provision to net charge-offs | 75.1366% | 3,764 |
| Earnings coverage of net charge-offs (x) | 8.0922% | 2,506 |
| Efficiency ratio | 50.1009% | 6,584 |
| Assets per employee ($millions) | 3.5335% | 4,898 |
| Cash dividends to net income (ytd only)* | 59.5875% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 5,174 |
| Loan loss allowance to noncurrent loans | 935.8071% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0882% | 6,509 |
| Noncurrent loans to loans | 0.1307% | 6,277 |
| Net loans and leases to total assets | 66.6144% | 2,537 |
| Net loans and leases to deposits | 75.5750% | 3,043 |
| Net loans and leases to core deposits | 84.4936% | 2,645 |
| Total domestic deposits to total assets | 88.1434% | 1,961 |
| Equity capital to assets | 7.7018% | 6,713 |
| Core capital (leverage) ratio | 7.3963% | 6,669 |
| Tier 1 risk-based capital ratio | 10.4217% | 6,691 |
| Total risk-based capital ratio | 11.6172% | 6,687 |
| Memoranda: | ||
| Average total assets | $591,459,250 | 1,133 |
| Average earning assets | $545,684,500 | 1,123 |
| Average equity | $43,711,500 | 1,613 |
| Average total loans | $394,352,500 | 1,068 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7606% | 2,679 |
| Cost of funding earning assets | 0.6930% | 4,072 |
| Net interest margin | 4.0676% | 2,220 |
| Noninterest income to average assets | 1.7608% | 496 |
| Noninterest expense to average assets | 2.7351% | 4,267 |
| Loan and lease loss provision to assets | 0.2767% | 2,376 |
| Net operating income to assets | 2.3523% | 222 |
| Return on assets (ROA) | 2.3510% | 255 |
| Pretax return on assets | 2.5053% | 298 |
| Return on Equity (ROE) | 32.2858% | 65 |
| Retained earnings to average equity (ytd only) | 8.9320% | 1,300 |
| Net charge-offs to loans | -0.0072% | 6,226 |
| Credit loss provision to net charge-offs | -5,778.5714% | 6,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4516% | 6,678 |
| Assets per employee ($millions) | 3.5031% | 4,978 |
| Cash dividends to net income (ytd only)* | 72.3345% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5406% | 3,822 |
| Loan loss allowance to noncurrent loans | 280.9288% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 5,846 |
| Noncurrent loans to loans | 0.5484% | 5,421 |
| Net loans and leases to total assets | 67.2629% | 2,414 |
| Net loans and leases to deposits | 75.8773% | 3,011 |
| Net loans and leases to core deposits | 85.2932% | 2,517 |
| Total domestic deposits to total assets | 88.6470% | 1,742 |
| Equity capital to assets | 7.5033% | 6,797 |
| Core capital (leverage) ratio | 7.1431% | 6,769 |
| Tier 1 risk-based capital ratio | 10.1554% | 6,783 |
| Total risk-based capital ratio | 11.4087% | 6,766 |
| Memoranda: | ||
| Average total assets | $584,847,000 | 1,148 |
| Average earning assets | $540,271,000 | 1,138 |
| Average equity | $42,588,330 | 1,638 |
| Average total loans | $388,385,000 | 1,091 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6702% | 3,168 |
| Cost of funding earning assets | 0.7234% | 4,087 |
| Net interest margin | 3.9467% | 2,732 |
| Noninterest income to average assets | 1.5779% | 580 |
| Noninterest expense to average assets | 2.6246% | 4,730 |
| Loan and lease loss provision to assets | 0.2608% | 2,368 |
| Net operating income to assets | 2.1751% | 307 |
| Return on assets (ROA) | 2.1725% | 362 |
| Pretax return on assets | 2.3315% | 434 |
| Return on Equity (ROE) | 30.3033% | 99 |
| Retained earnings to average equity (ytd only) | 1.4974% | 5,490 |
| Net charge-offs to loans | -0.0074% | 5,868 |
| Credit loss provision to net charge-offs | -5,414.2857% | 6,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1648% | 6,663 |
| Assets per employee ($millions) | 3.4449% | 5,251 |
| Cash dividends to net income (ytd only)* | 95.0586% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 4,151 |
| Loan loss allowance to noncurrent loans | 141.3171% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.7635% | 5,019 |
| Noncurrent loans to loans | 1.0615% | 4,581 |
| Net loans and leases to total assets | 64.2095% | 2,814 |
| Net loans and leases to deposits | 72.7135% | 3,316 |
| Net loans and leases to core deposits | 81.7518% | 2,864 |
| Total domestic deposits to total assets | 88.3048% | 2,127 |
| Equity capital to assets | 7.0383% | 6,931 |
| Core capital (leverage) ratio | 7.0230% | 6,833 |
| Tier 1 risk-based capital ratio | 10.0375% | 6,868 |
| Total risk-based capital ratio | 11.2902% | 6,864 |
| Memoranda: | ||
| Average total assets | $581,260,500 | 1,161 |
| Average earning assets | $536,342,000 | 1,141 |
| Average equity | $41,672,000 | 1,669 |
| Average total loans | $380,357,000 | 1,112 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1775% | 2,157 |
| Cost of funding earning assets | 0.9463% | 3,742 |
| Net interest margin | 4.2312% | 1,959 |
| Noninterest income to average assets | 1.1283% | 1,030 |
| Noninterest expense to average assets | 2.9438% | 3,800 |
| Loan and lease loss provision to assets | 0.1557% | 4,683 |
| Net operating income to assets | 1.7900% | 464 |
| Return on assets (ROA) | 1.7900% | 506 |
| Pretax return on assets | 1.9111% | 648 |
| Return on Equity (ROE) | 24.6659% | 116 |
| Retained earnings to average equity (ytd only) | 10.6687% | 451 |
| Net charge-offs to loans | 0.0835% | 5,488 |
| Credit loss provision to net charge-offs | 267.6768% | 894 |
| Earnings coverage of net charge-offs (x) | 35.5219% | 739 |
| Efficiency ratio | 58.6135% | 5,959 |
| Assets per employee ($millions) | 3.3140% | 5,467 |
| Cash dividends to net income (ytd only)* | 56.7473% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4442% | 4,270 |
| Loan loss allowance to noncurrent loans | 119.2503% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.9875% | 4,633 |
| Noncurrent loans to loans | 1.2110% | 4,347 |
| Net loans and leases to total assets | 64.7469% | 3,033 |
| Net loans and leases to deposits | 73.6650% | 3,553 |
| Net loans and leases to core deposits | 84.0066% | 2,892 |
| Total domestic deposits to total assets | 87.8936% | 2,227 |
| Equity capital to assets | 7.3054% | 6,878 |
| Core capital (leverage) ratio | 7.2498% | 6,767 |
| Tier 1 risk-based capital ratio | 10.3419% | 6,758 |
| Total risk-based capital ratio | 11.5938% | 6,729 |
| Memoranda: | ||
| Average total assets | $510,434,000 | 1,310 |
| Average earning assets | $468,349,800 | 1,312 |
| Average equity | $37,043,000 | 1,823 |
| Average total loans | $355,689,400 | 1,193 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1588% | 2,350 |
| Cost of funding earning assets | 1.0047% | 3,650 |
| Net interest margin | 4.1541% | 2,262 |
| Noninterest income to average assets | 1.0617% | 1,191 |
| Noninterest expense to average assets | 2.9715% | 3,670 |
| Loan and lease loss provision to assets | 0.0966% | 5,252 |
| Net operating income to assets | 1.6945% | 638 |
| Return on assets (ROA) | 1.6945% | 701 |
| Pretax return on assets | 1.8027% | 951 |
| Return on Equity (ROE) | 23.3945% | 181 |
| Retained earnings to average equity (ytd only) | 4.1343% | 3,789 |
| Net charge-offs to loans | 0.0843% | 5,131 |
| Credit loss provision to net charge-offs | 161.7117% | 1,901 |
| Earnings coverage of net charge-offs (x) | 31.7976% | 896 |
| Efficiency ratio | 60.8628% | 5,582 |
| Assets per employee ($millions) | 3.1269% | 5,842 |
| Cash dividends to net income (ytd only)* | 82.3278% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 4,651 |
| Loan loss allowance to noncurrent loans | 74.7925% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.2695% | 4,264 |
| Noncurrent loans to loans | 1.8414% | 3,578 |
| Net loans and leases to total assets | 67.9907% | 2,491 |
| Net loans and leases to deposits | 77.0885% | 3,155 |
| Net loans and leases to core deposits | 89.9242% | 2,257 |
| Total domestic deposits to total assets | 88.1983% | 1,929 |
| Equity capital to assets | 7.2758% | 6,996 |
| Core capital (leverage) ratio | 7.2438% | 6,884 |
| Tier 1 risk-based capital ratio | 9.9202% | 6,975 |
| Total risk-based capital ratio | 11.1713% | 6,963 |
| Memoranda: | ||
| Average total assets | $495,541,000 | 1,351 |
| Average earning assets | $454,386,250 | 1,349 |
| Average equity | $35,893,500 | 1,885 |
| Average total loans | $350,994,500 | 1,221 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0617% | 2,872 |
| Cost of funding earning assets | 1.0427% | 3,653 |
| Net interest margin | 4.0190% | 2,752 |
| Noninterest income to average assets | 0.9836% | 1,369 |
| Noninterest expense to average assets | 3.0244% | 3,546 |
| Loan and lease loss provision to assets | 0.0848% | 5,249 |
| Net operating income to assets | 1.4630% | 955 |
| Return on assets (ROA) | 1.4630% | 1,018 |
| Pretax return on assets | 1.5573% | 1,362 |
| Return on Equity (ROE) | 20.2311% | 300 |
| Retained earnings to average equity (ytd only) | -5.0506% | 6,574 |
| Net charge-offs to loans | 0.1365% | 4,380 |
| Credit loss provision to net charge-offs | 86.8644% | 3,557 |
| Earnings coverage of net charge-offs (x) | 16.8220% | 1,321 |
| Efficiency ratio | 64.6517% | 5,118 |
| Assets per employee ($millions) | 2.9270% | 6,243 |
| Cash dividends to net income (ytd only)* | 124.9647% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 4,801 |
| Loan loss allowance to noncurrent loans | 70.0905% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.3990% | 4,126 |
| Noncurrent loans to loans | 1.9348% | 3,563 |
| Net loans and leases to total assets | 71.3233% | 1,931 |
| Net loans and leases to deposits | 80.6431% | 2,676 |
| Net loans and leases to core deposits | 94.9758% | 1,801 |
| Total domestic deposits to total assets | 88.4432% | 1,887 |
| Equity capital to assets | 7.2289% | 7,049 |
| Core capital (leverage) ratio | 7.1903% | 6,925 |
| Tier 1 risk-based capital ratio | 9.5586% | 7,089 |
| Total risk-based capital ratio | 10.8097% | 7,097 |
| Memoranda: | ||
| Average total assets | $483,532,000 | 1,390 |
| Average earning assets | $443,093,670 | 1,384 |
| Average equity | $34,966,000 | 1,909 |
| Average total loans | $345,838,000 | 1,257 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0197% | 3,013 |
| Cost of funding earning assets | 1.0587% | 3,792 |
| Net interest margin | 3.9610% | 2,865 |
| Noninterest income to average assets | 0.9116% | 1,623 |
| Noninterest expense to average assets | 3.0925% | 3,280 |
| Loan and lease loss provision to assets | 0.0646% | 5,187 |
| Net operating income to assets | 1.3490% | 1,155 |
| Return on assets (ROA) | 1.3490% | 1,207 |
| Pretax return on assets | 1.4229% | 1,664 |
| Return on Equity (ROE) | 18.6513% | 426 |
| Retained earnings to average equity (ytd only) | -14.8909% | 7,041 |
| Net charge-offs to loans | -0.0897% | 7,059 |
| Credit loss provision to net charge-offs | -101.3158% | 5,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3570% | 4,778 |
| Assets per employee ($millions) | 2.8921% | 6,371 |
| Cash dividends to net income (ytd only)* | 179.8382% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4798% | 4,303 |
| Loan loss allowance to noncurrent loans | 196.1643% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.5312% | 5,907 |
| Noncurrent loans to loans | 0.7544% | 5,517 |
| Net loans and leases to total assets | 69.3767% | 2,248 |
| Net loans and leases to deposits | 78.6902% | 2,943 |
| Net loans and leases to core deposits | 93.5356% | 1,949 |
| Total domestic deposits to total assets | 88.1643% | 2,283 |
| Equity capital to assets | 7.0134% | 7,078 |
| Core capital (leverage) ratio | 7.1131% | 6,954 |
| Tier 1 risk-based capital ratio | 9.6535% | 7,109 |
| Total risk-based capital ratio | 10.9059% | 7,118 |
| Memoranda: | ||
| Average total assets | $476,505,000 | 1,418 |
| Average earning assets | $441,304,000 | 1,400 |
| Average equity | $34,464,000 | 1,921 |
| Average total loans | $338,870,000 | 1,290 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8624% | 1,126 |
| Cost of funding earning assets | 1.2212% | 4,415 |
| Net interest margin | 4.6412% | 925 |
| Noninterest income to average assets | 1.2456% | 960 |
| Noninterest expense to average assets | 3.3769% | 2,504 |
| Loan and lease loss provision to assets | 0.1600% | 5,606 |
| Net operating income to assets | 1.8512% | 373 |
| Return on assets (ROA) | 1.8751% | 382 |
| Pretax return on assets | 2.0075% | 472 |
| Return on Equity (ROE) | 24.1863% | 113 |
| Retained earnings to average equity (ytd only) | 11.2624% | 353 |
| Net charge-offs to loans | 0.1542% | 5,424 |
| Credit loss provision to net charge-offs | 134.1317% | 2,908 |
| Earnings coverage of net charge-offs (x) | 17.9541% | 1,123 |
| Efficiency ratio | 61.0390% | 5,886 |
| Assets per employee ($millions) | 2.7973% | 6,527 |
| Cash dividends to net income (ytd only)* | 53.4349% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4631% | 4,219 |
| Loan loss allowance to noncurrent loans | 552.3060% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 6,754 |
| Noncurrent loans to loans | 0.2649% | 6,532 |
| Net loans and leases to total assets | 70.7896% | 2,357 |
| Net loans and leases to deposits | 80.2752% | 3,122 |
| Net loans and leases to core deposits | 96.4066% | 1,956 |
| Total domestic deposits to total assets | 88.1837% | 2,132 |
| Equity capital to assets | 7.4607% | 6,901 |
| Core capital (leverage) ratio | 7.6796% | 6,562 |
| Tier 1 risk-based capital ratio | 10.3683% | 6,783 |
| Total risk-based capital ratio | 11.6208% | 6,764 |
| Memoranda: | ||
| Average total assets | $419,971,400 | 1,579 |
| Average earning assets | $386,669,800 | 1,562 |
| Average equity | $32,559,800 | 2,015 |
| Average total loans | $324,923,600 | 1,376 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9867% | 965 |
| Cost of funding earning assets | 1.2602% | 4,494 |
| Net interest margin | 4.7265% | 792 |
| Noninterest income to average assets | 1.1090% | 1,146 |
| Noninterest expense to average assets | 3.4112% | 2,260 |
| Loan and lease loss provision to assets | 0.1565% | 5,475 |
| Net operating income to assets | 1.7732% | 547 |
| Return on assets (ROA) | 1.8064% | 539 |
| Pretax return on assets | 1.9197% | 741 |
| Return on Equity (ROE) | 23.0506% | 159 |
| Retained earnings to average equity (ytd only) | 5.5105% | 2,642 |
| Net charge-offs to loans | 0.2371% | 4,526 |
| Credit loss provision to net charge-offs | 83.5951% | 5,019 |
| Earnings coverage of net charge-offs (x) | 10.9040% | 1,840 |
| Efficiency ratio | 62.4109% | 5,539 |
| Assets per employee ($millions) | 2.6836% | 6,799 |
| Cash dividends to net income (ytd only)* | 76.0941% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3858% | 4,545 |
| Loan loss allowance to noncurrent loans | 1,077.7262% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 6,949 |
| Noncurrent loans to loans | 0.1286% | 6,922 |
| Net loans and leases to total assets | 75.1075% | 1,569 |
| Net loans and leases to deposits | 85.0802% | 2,502 |
| Net loans and leases to core deposits | 102.4272% | 1,613 |
| Total domestic deposits to total assets | 88.2785% | 1,814 |
| Equity capital to assets | 7.5711% | 7,080 |
| Core capital (leverage) ratio | 7.6492% | 6,723 |
| Tier 1 risk-based capital ratio | 9.6551% | 7,205 |
| Total risk-based capital ratio | 10.9078% | 7,196 |
| Memoranda: | ||
| Average total assets | $408,178,750 | 1,647 |
| Average earning assets | $375,066,000 | 1,629 |
| Average equity | $31,986,750 | 2,070 |
| Average total loans | $322,255,000 | 1,410 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0086% | 930 |
| Cost of funding earning assets | 1.2794% | 4,654 |
| Net interest margin | 4.7293% | 773 |
| Noninterest income to average assets | 1.0389% | 1,254 |
| Noninterest expense to average assets | 3.4392% | 2,168 |
| Loan and lease loss provision to assets | 0.1444% | 5,455 |
| Net operating income to assets | 1.6810% | 606 |
| Return on assets (ROA) | 1.7302% | 602 |
| Pretax return on assets | 1.8353% | 828 |
| Return on Equity (ROE) | 21.8058% | 219 |
| Retained earnings to average equity (ytd only) | -0.2917% | 5,791 |
| Net charge-offs to loans | 0.1981% | 4,420 |
| Credit loss provision to net charge-offs | 91.1111% | 4,387 |
| Earnings coverage of net charge-offs (x) | 12.1619% | 1,700 |
| Efficiency ratio | 63.9168% | 5,355 |
| Assets per employee ($millions) | 2.5397% | 7,046 |
| Cash dividends to net income (ytd only)* | 101.3376% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 4,345 |
| Loan loss allowance to noncurrent loans | 575.9169% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 6,576 |
| Noncurrent loans to loans | 0.2462% | 6,739 |
| Net loans and leases to total assets | 79.1351% | 932 |
| Net loans and leases to deposits | 89.9030% | 1,868 |
| Net loans and leases to core deposits | 105.3488% | 1,506 |
| Total domestic deposits to total assets | 88.0228% | 1,990 |
| Equity capital to assets | 7.6550% | 7,020 |
| Core capital (leverage) ratio | 7.8004% | 6,496 |
| Tier 1 risk-based capital ratio | 9.4727% | 7,269 |
| Total risk-based capital ratio | 10.7250% | 7,272 |
| Memoranda: | ||
| Average total assets | $397,536,670 | 1,696 |
| Average earning assets | $363,777,670 | 1,691 |
| Average equity | $31,542,000 | 2,094 |
| Average total loans | $317,941,000 | 1,439 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9654% | 1,046 |
| Cost of funding earning assets | 1.3072% | 4,772 |
| Net interest margin | 4.6582% | 855 |
| Noninterest income to average assets | 0.9637% | 1,409 |
| Noninterest expense to average assets | 3.5395% | 1,884 |
| Loan and lease loss provision to assets | 0.1469% | 5,079 |
| Net operating income to assets | 1.4169% | 1,039 |
| Return on assets (ROA) | 1.4456% | 1,066 |
| Pretax return on assets | 1.5514% | 1,391 |
| Return on Equity (ROE) | 17.8848% | 524 |
| Retained earnings to average equity (ytd only) | -8.0463% | 6,835 |
| Net charge-offs to loans | -0.0309% | 7,206 |
| Credit loss provision to net charge-offs | -595.8333% | 6,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7979% | 4,761 |
| Assets per employee ($millions) | 2.4323% | 7,294 |
| Cash dividends to net income (ytd only)* | 144.9893% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5773% | 3,545 |
| Loan loss allowance to noncurrent loans | 311.0970% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.4027% | 6,467 |
| Noncurrent loans to loans | 0.5070% | 6,278 |
| Net loans and leases to total assets | 78.1738% | 1,118 |
| Net loans and leases to deposits | 88.6943% | 2,095 |
| Net loans and leases to core deposits | 101.7916% | 1,931 |
| Total domestic deposits to total assets | 88.1385% | 1,985 |
| Equity capital to assets | 7.9514% | 6,708 |
| Core capital (leverage) ratio | 7.9253% | 6,346 |
| Tier 1 risk-based capital ratio | 9.8634% | 7,116 |
| Total risk-based capital ratio | 11.1177% | 7,110 |
| Memoranda: | ||
| Average total assets | $389,316,000 | 1,770 |
| Average earning assets | $354,643,500 | 1,764 |
| Average equity | $31,468,000 | 2,114 |
| Average total loans | $310,755,000 | 1,518 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5378% | 613 |
| Cost of funding earning assets | 1.7007% | 4,505 |
| Net interest margin | 4.8371% | 641 |
| Noninterest income to average assets | 1.1822% | 1,104 |
| Noninterest expense to average assets | 3.6259% | 2,089 |
| Loan and lease loss provision to assets | 0.3576% | 4,658 |
| Net operating income to assets | 1.5060% | 665 |
| Return on assets (ROA) | 1.5210% | 686 |
| Pretax return on assets | 1.6317% | 897 |
| Return on Equity (ROE) | 18.7236% | 320 |
| Retained earnings to average equity (ytd only) | 6.1850% | 1,279 |
| Net charge-offs to loans | 0.1473% | 5,767 |
| Credit loss provision to net charge-offs | 293.8190% | 1,137 |
| Earnings coverage of net charge-offs (x) | 16.2119% | 1,263 |
| Efficiency ratio | 64.5904% | 5,661 |
| Assets per employee ($millions) | 2.4496% | 7,286 |
| Cash dividends to net income (ytd only)* | 66.9670% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5264% | 3,592 |
| Loan loss allowance to noncurrent loans | 366.2287% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.3343% | 6,607 |
| Noncurrent loans to loans | 0.4168% | 6,443 |
| Net loans and leases to total assets | 78.9951% | 1,182 |
| Net loans and leases to deposits | 89.6694% | 2,268 |
| Net loans and leases to core deposits | 105.2060% | 3,432 |
| Total domestic deposits to total assets | 88.0960% | 1,925 |
| Equity capital to assets | 8.2159% | 6,326 |
| Core capital (leverage) ratio | 8.0096% | 6,175 |
| Tier 1 risk-based capital ratio | 9.9905% | 6,876 |
| Total risk-based capital ratio | 11.2438% | 6,850 |
| Memoranda: | ||
| Average total assets | $372,183,600 | 1,833 |
| Average earning assets | $339,853,000 | 1,834 |
| Average equity | $30,234,600 | 2,215 |
| Average total loans | $307,449,400 | 1,556 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5776% | 639 |
| Cost of funding earning assets | 1.7813% | 4,470 |
| Net interest margin | 4.7962% | 686 |
| Noninterest income to average assets | 1.1141% | 1,272 |
| Noninterest expense to average assets | 3.6177% | 1,991 |
| Loan and lease loss provision to assets | 0.3058% | 4,526 |
| Net operating income to assets | 1.4682% | 882 |
| Return on assets (ROA) | 1.4886% | 890 |
| Pretax return on assets | 1.5918% | 1,191 |
| Return on Equity (ROE) | 18.3797% | 418 |
| Retained earnings to average equity (ytd only) | 1.8228% | 4,301 |
| Net charge-offs to loans | -0.0096% | 7,678 |
| Credit loss provision to net charge-offs | -3,840.9091% | 7,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6830% | 5,423 |
| Assets per employee ($millions) | 2.4624% | 7,286 |
| Cash dividends to net income (ytd only)* | 90.0826% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5146% | 3,350 |
| Loan loss allowance to noncurrent loans | 632.0856% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.2239% | 6,959 |
| Noncurrent loans to loans | 0.2396% | 6,902 |
| Net loans and leases to total assets | 79.0201% | 1,388 |
| Net loans and leases to deposits | 87.9856% | 2,963 |
| Net loans and leases to core deposits | 104.9667% | 3,828 |
| Total domestic deposits to total assets | 89.8103% | 840 |
| Equity capital to assets | 7.8189% | 7,018 |
| Core capital (leverage) ratio | 7.9598% | 6,429 |
| Tier 1 risk-based capital ratio | 9.5240% | 7,357 |
| Total risk-based capital ratio | 10.7772% | 7,320 |
| Memoranda: | ||
| Average total assets | $368,472,250 | 1,856 |
| Average earning assets | $336,449,000 | 1,864 |
| Average equity | $29,843,750 | 2,265 |
| Average total loans | $306,693,500 | 1,583 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6388% | 615 |
| Cost of funding earning assets | 1.8499% | 4,509 |
| Net interest margin | 4.7889% | 666 |
| Noninterest income to average assets | 1.1537% | 1,175 |
| Noninterest expense to average assets | 3.7073% | 1,828 |
| Loan and lease loss provision to assets | 0.2406% | 4,664 |
| Net operating income to assets | 1.4746% | 887 |
| Return on assets (ROA) | 1.5055% | 885 |
| Pretax return on assets | 1.6117% | 1,182 |
| Return on Equity (ROE) | 18.3598% | 462 |
| Retained earnings to average equity (ytd only) | -2.0505% | 5,758 |
| Net charge-offs to loans | -0.0046% | 7,521 |
| Credit loss provision to net charge-offs | -6,214.2857% | 7,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9035% | 5,384 |
| Assets per employee ($millions) | 2.2598% | 7,609 |
| Cash dividends to net income (ytd only)* | 111.1683% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3708% | 3,880 |
| Loan loss allowance to noncurrent loans | 487.8685% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.2784% | 6,777 |
| Noncurrent loans to loans | 0.2810% | 6,814 |
| Net loans and leases to total assets | 85.0931% | 491 |
| Net loans and leases to deposits | 95.0327% | 1,947 |
| Net loans and leases to core deposits | 113.6518% | 2,951 |
| Total domestic deposits to total assets | 89.5409% | 1,025 |
| Equity capital to assets | 8.1250% | 6,601 |
| Core capital (leverage) ratio | 8.0287% | 6,275 |
| Tier 1 risk-based capital ratio | 9.3614% | 7,501 |
| Total risk-based capital ratio | 10.6131% | 7,480 |
| Memoranda: | ||
| Average total assets | $361,610,000 | 1,916 |
| Average earning assets | $330,181,670 | 1,915 |
| Average equity | $29,651,670 | 2,294 |
| Average total loans | $304,870,330 | 1,620 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6370% | 656 |
| Cost of funding earning assets | 1.9375% | 4,451 |
| Net interest margin | 4.6995% | 764 |
| Noninterest income to average assets | 1.0496% | 1,349 |
| Noninterest expense to average assets | 3.5872% | 1,892 |
| Loan and lease loss provision to assets | 0.2330% | 4,117 |
| Net operating income to assets | 1.3949% | 1,149 |
| Return on assets (ROA) | 1.4569% | 1,101 |
| Pretax return on assets | 1.5645% | 1,492 |
| Return on Equity (ROE) | 17.6853% | 614 |
| Retained earnings to average equity (ytd only) | -5.2126% | 6,580 |
| Net charge-offs to loans | 0.0506% | 4,765 |
| Credit loss provision to net charge-offs | 552.6316% | 1,013 |
| Earnings coverage of net charge-offs (x) | 41.0526% | 827 |
| Efficiency ratio | 67.2648% | 5,089 |
| Assets per employee ($millions) | 2.2872% | 7,603 |
| Cash dividends to net income (ytd only)* | 129.4745% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3317% | 3,909 |
| Loan loss allowance to noncurrent loans | 353.4619% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.3204% | 6,550 |
| Noncurrent loans to loans | 0.3767% | 6,474 |
| Net loans and leases to total assets | 82.6884% | 898 |
| Net loans and leases to deposits | 92.2877% | 2,548 |
| Net loans and leases to core deposits | 109.6852% | 3,478 |
| Total domestic deposits to total assets | 89.5986% | 970 |
| Equity capital to assets | 8.1631% | 6,583 |
| Core capital (leverage) ratio | 8.0786% | 6,332 |
| Tier 1 risk-based capital ratio | 9.6137% | 7,328 |
| Total risk-based capital ratio | 10.8647% | 7,263 |
| Memoranda: | ||
| Average total assets | $360,502,000 | 1,927 |
| Average earning assets | $327,439,000 | 1,931 |
| Average equity | $29,697,000 | 2,302 |
| Average total loans | $300,358,500 | 1,666 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6194% | 328 |
| Cost of funding earning assets | 2.6334% | 3,516 |
| Net interest margin | 4.9859% | 530 |
| Noninterest income to average assets | 1.2126% | 1,013 |
| Noninterest expense to average assets | 3.6888% | 1,972 |
| Loan and lease loss provision to assets | 0.3084% | 3,904 |
| Net operating income to assets | 1.5784% | 868 |
| Return on assets (ROA) | 1.6141% | 773 |
| Pretax return on assets | 1.7583% | 1,030 |
| Return on Equity (ROE) | 20.1248% | 363 |
| Retained earnings to average equity (ytd only) | 12.8074% | 178 |
| Net charge-offs to loans | -0.0042% | 7,776 |
| Credit loss provision to net charge-offs | -8,750.0000% | 7,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3459% | 5,487 |
| Assets per employee ($millions) | 2.2761% | 7,596 |
| Cash dividends to net income (ytd only)* | 36.3603% | 3,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2962% | 3,810 |
| Loan loss allowance to noncurrent loans | 362.5352% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 6,396 |
| Noncurrent loans to loans | 0.3575% | 6,297 |
| Net loans and leases to total assets | 81.7530% | 1,270 |
| Net loans and leases to deposits | 91.2067% | 3,259 |
| Net loans and leases to core deposits | 106.9005% | 4,089 |
| Total domestic deposits to total assets | 89.6349% | 791 |
| Equity capital to assets | 8.3126% | 6,406 |
| Core capital (leverage) ratio | 8.1478% | 6,255 |
| Tier 1 risk-based capital ratio | 9.7803% | 6,975 |
| Total risk-based capital ratio | 11.0309% | 6,866 |
| Memoranda: | ||
| Average total assets | $340,438,200 | 1,953 |
| Average earning assets | $307,545,400 | 1,984 |
| Average equity | $27,304,600 | 2,456 |
| Average total loans | $288,417,400 | 1,677 |