Home > Evans Bank > Performance and Condition Ratios
Evans Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8129% | 2,449 |
| Cost of funding earning assets | 1.7065% | 1,439 |
| Net interest margin | 3.1064% | 3,086 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 2.3988% | 2,598 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5062% | 3,658 |
| Return on assets (ROA) | 0.5062% | 3,649 |
| Pretax return on assets | 0.6638% | 3,511 |
| Return on Equity (ROE) | 6.1500% | 3,490 |
| Retained earnings to average equity (ytd only) | 3.4294% | 3,152 |
| Net charge-offs to loans | 0.0046% | 2,558 |
| Credit loss provision to net charge-offs | 23.3766% | 2,295 |
| Earnings coverage of net charge-offs (x) | 184.7792% | 618 |
| Efficiency ratio | 78.2776% | 1,044 |
| Assets per employee ($millions) | 7.0284% | 2,054 |
| Cash dividends to net income (ytd only)* | 44.2425% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 1,850 |
| Loan loss allowance to noncurrent loans | 80.9325% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 1.2959% | 324 |
| Noncurrent loans to loans | 1.5877% | 414 |
| Net loans and leases to total assets | 80.5700% | 575 |
| Net loans and leases to deposits | 97.9390% | 658 |
| Net loans and leases to core deposits | 102.3430% | 1,312 |
| Total domestic deposits to total assets | 82.2700% | 3,073 |
| Equity capital to assets | 9.4264% | 2,400 |
| Core capital (leverage) ratio | 10.8395% | 2,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5856% | 1,373 |
| Memoranda: | ||
| Average total assets | $2,140,844,200 | 535 |
| Average earning assets | $2,012,311,800 | 518 |
| Average equity | $176,212,400 | 600 |
| Average total loans | $1,685,408,800 | 472 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7282% | 2,412 |
| Cost of funding earning assets | 1.5449% | 1,496 |
| Net interest margin | 3.1833% | 2,953 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.2559% | 2,933 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 0.8958% | 2,694 |
| Return on assets (ROA) | 0.8958% | 2,681 |
| Pretax return on assets | 1.1345% | 2,473 |
| Return on Equity (ROE) | 11.2900% | 2,303 |
| Retained earnings to average equity (ytd only) | 7.5382% | 2,130 |
| Net charge-offs to loans | 0.0050% | 2,287 |
| Credit loss provision to net charge-offs | -419.0476% | 4,564 |
| Earnings coverage of net charge-offs (x) | 286.0476% | 468 |
| Efficiency ratio | 66.8371% | 2,170 |
| Assets per employee ($millions) | 7.3657% | 1,716 |
| Cash dividends to net income (ytd only)* | 33.2040% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2817% | 1,953 |
| Loan loss allowance to noncurrent loans | 79.9897% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 1.2655% | 337 |
| Noncurrent loans to loans | 1.6024% | 434 |
| Net loans and leases to total assets | 77.9600% | 890 |
| Net loans and leases to deposits | 92.9593% | 971 |
| Net loans and leases to core deposits | 97.2386% | 1,496 |
| Total domestic deposits to total assets | 83.8700% | 2,814 |
| Equity capital to assets | 7.7213% | 3,229 |
| Core capital (leverage) ratio | 10.1118% | 2,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6733% | 1,666 |
| Memoranda: | ||
| Average total assets | $2,148,923,500 | 535 |
| Average earning assets | $2,020,297,500 | 519 |
| Average equity | $170,576,000 | 610 |
| Average total loans | $1,676,524,500 | 472 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6926% | 2,223 |
| Cost of funding earning assets | 1.3578% | 1,562 |
| Net interest margin | 3.3349% | 2,673 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.2524% | 2,947 |
| Loan and lease loss provision to assets | -0.0700% | 4,532 |
| Net operating income to assets | 1.0498% | 2,263 |
| Return on assets (ROA) | 1.0498% | 2,259 |
| Pretax return on assets | 1.3254% | 2,002 |
| Return on Equity (ROE) | 13.1100% | 1,876 |
| Retained earnings to average equity (ytd only) | 10.2019% | 1,352 |
| Net charge-offs to loans | 0.0042% | 2,152 |
| Credit loss provision to net charge-offs | -2,200.0000% | 4,642 |
| Earnings coverage of net charge-offs (x) | 384.3143% | 376 |
| Efficiency ratio | 64.2183% | 2,455 |
| Assets per employee ($millions) | 7.3790% | 1,683 |
| Cash dividends to net income (ytd only)* | 22.1591% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 2,014 |
| Loan loss allowance to noncurrent loans | 76.8910% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 1.2986% | 301 |
| Noncurrent loans to loans | 1.6633% | 379 |
| Net loans and leases to total assets | 77.0800% | 935 |
| Net loans and leases to deposits | 92.1448% | 1,014 |
| Net loans and leases to core deposits | 96.0583% | 1,465 |
| Total domestic deposits to total assets | 83.6500% | 2,904 |
| Equity capital to assets | 8.1489% | 3,123 |
| Core capital (leverage) ratio | 10.1393% | 2,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9546% | 1,586 |
| Memoranda: | ||
| Average total assets | $2,145,847,000 | 523 |
| Average earning assets | $2,018,179,333 | 506 |
| Average equity | $171,889,000 | 599 |
| Average total loans | $1,667,232,667 | 458 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6256% | 2,019 |
| Cost of funding earning assets | 1.1320% | 1,658 |
| Net interest margin | 3.4936% | 2,383 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.2785% | 2,876 |
| Loan and lease loss provision to assets | -0.1200% | 4,587 |
| Net operating income to assets | 1.1511% | 2,061 |
| Return on assets (ROA) | 1.1511% | 2,030 |
| Pretax return on assets | 1.4689% | 1,735 |
| Return on Equity (ROE) | 14.5000% | 1,663 |
| Retained earnings to average equity (ytd only) | 8.6449% | 2,041 |
| Net charge-offs to loans | -0.0010% | 3,319 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.8228% | 2,593 |
| Assets per employee ($millions) | 7.0679% | 1,929 |
| Cash dividends to net income (ytd only)* | 40.3622% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 2,047 |
| Loan loss allowance to noncurrent loans | 89.3701% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 1.1283% | 333 |
| Noncurrent loans to loans | 1.4520% | 454 |
| Net loans and leases to total assets | 76.6900% | 908 |
| Net loans and leases to deposits | 88.1504% | 1,194 |
| Net loans and leases to core deposits | 91.9561% | 1,503 |
| Total domestic deposits to total assets | 87.0000% | 2,261 |
| Equity capital to assets | 8.1248% | 3,156 |
| Core capital (leverage) ratio | 9.8187% | 2,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7424% | 1,703 |
| Memoranda: | ||
| Average total assets | $2,148,808,500 | 529 |
| Average earning assets | $2,020,492,500 | 517 |
| Average equity | $170,643,000 | 611 |
| Average total loans | $1,665,472,500 | 462 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8481% | 2,144 |
| Cost of funding earning assets | 0.2531% | 3,295 |
| Net interest margin | 3.5950% | 1,660 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.3381% | 2,623 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.0728% | 2,290 |
| Return on assets (ROA) | 1.0728% | 2,227 |
| Pretax return on assets | 1.3774% | 1,835 |
| Return on Equity (ROE) | 13.1400% | 1,758 |
| Retained earnings to average equity (ytd only) | 7.7939% | 1,918 |
| Net charge-offs to loans | 0.1075% | 693 |
| Credit loss provision to net charge-offs | 157.5043% | 1,268 |
| Earnings coverage of net charge-offs (x) | 18.8315% | 1,923 |
| Efficiency ratio | 60.8467% | 2,934 |
| Assets per employee ($millions) | 5.7074% | 3,027 |
| Cash dividends to net income (ytd only)* | 40.6923% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1623% | 2,565 |
| Loan loss allowance to noncurrent loans | 78.6072% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 1.1432% | 339 |
| Noncurrent loans to loans | 1.4786% | 441 |
| Net loans and leases to total assets | 76.4100% | 969 |
| Net loans and leases to deposits | 93.0756% | 840 |
| Net loans and leases to core deposits | 95.6623% | 1,223 |
| Total domestic deposits to total assets | 82.1000% | 3,611 |
| Equity capital to assets | 7.7602% | 3,212 |
| Core capital (leverage) ratio | 9.7654% | 2,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3446% | 1,833 |
| Memoranda: | ||
| Average total assets | $2,178,701,800 | 514 |
| Average earning assets | $2,065,510,600 | 496 |
| Average equity | $177,857,600 | 579 |
| Average total loans | $1,617,728,600 | 442 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6703% | 2,126 |
| Cost of funding earning assets | 0.1535% | 3,817 |
| Net interest margin | 3.5168% | 1,619 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.3367% | 2,520 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.0258% | 2,385 |
| Return on assets (ROA) | 1.0258% | 2,355 |
| Pretax return on assets | 1.3225% | 1,971 |
| Return on Equity (ROE) | 12.4100% | 1,908 |
| Retained earnings to average equity (ytd only) | 7.6092% | 2,149 |
| Net charge-offs to loans | 0.1350% | 478 |
| Credit loss provision to net charge-offs | 111.8227% | 1,259 |
| Earnings coverage of net charge-offs (x) | 14.4489% | 1,862 |
| Efficiency ratio | 61.9564% | 2,831 |
| Assets per employee ($millions) | 7.0491% | 1,911 |
| Cash dividends to net income (ytd only)* | 38.7066% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 2,814 |
| Loan loss allowance to noncurrent loans | 71.7587% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 1.2826% | 296 |
| Noncurrent loans to loans | 1.5962% | 428 |
| Net loans and leases to total assets | 76.0300% | 910 |
| Net loans and leases to deposits | 85.4391% | 1,205 |
| Net loans and leases to core deposits | 86.9706% | 1,469 |
| Total domestic deposits to total assets | 88.9900% | 2,093 |
| Equity capital to assets | 7.7340% | 3,065 |
| Core capital (leverage) ratio | 9.6392% | 2,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4533% | 1,889 |
| Memoranda: | ||
| Average total assets | $2,182,601,000 | 509 |
| Average earning assets | $2,074,272,250 | 493 |
| Average equity | $180,356,500 | 582 |
| Average total loans | $1,604,068,500 | 442 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4839% | 2,185 |
| Cost of funding earning assets | 0.1348% | 3,777 |
| Net interest margin | 3.3490% | 1,761 |
| Noninterest income to average assets | 0.4069% | 2,711 |
| Noninterest expense to average assets | 2.2489% | 2,709 |
| Loan and lease loss provision to assets | 0.0443% | 1,778 |
| Net operating income to assets | 1.0159% | 2,096 |
| Return on assets (ROA) | 1.0159% | 2,066 |
| Pretax return on assets | 1.3058% | 1,728 |
| Return on Equity (ROE) | 12.0468% | 1,658 |
| Retained earnings to average equity (ytd only) | 9.8958% | 1,050 |
| Net charge-offs to loans | 0.0134% | 1,514 |
| Credit loss provision to net charge-offs | 456.0748% | 657 |
| Earnings coverage of net charge-offs (x) | 139.1215% | 679 |
| Efficiency ratio | 62.4650% | 2,985 |
| Assets per employee ($millions) | 7.2645% | 1,759 |
| Cash dividends to net income (ytd only)* | 17.8555% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1661% | 2,868 |
| Loan loss allowance to noncurrent loans | 85.5020% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.0572% | 430 |
| Noncurrent loans to loans | 1.3638% | 565 |
| Net loans and leases to total assets | 72.7032% | 1,039 |
| Net loans and leases to deposits | 80.8791% | 1,322 |
| Net loans and leases to core deposits | 82.3194% | 1,574 |
| Total domestic deposits to total assets | 89.8913% | 1,755 |
| Equity capital to assets | 8.1008% | 3,040 |
| Core capital (leverage) ratio | 9.4513% | 2,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7177% | 1,795 |
| Memoranda: | ||
| Average total assets | $2,205,226,333 | 505 |
| Average earning assets | $2,101,912,000 | 493 |
| Average equity | $185,957,667 | 575 |
| Average total loans | $1,596,605,667 | 439 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3214% | 2,317 |
| Cost of funding earning assets | 0.1320% | 3,743 |
| Net interest margin | 3.1894% | 1,914 |
| Noninterest income to average assets | 0.4107% | 2,613 |
| Noninterest expense to average assets | 2.2047% | 2,827 |
| Loan and lease loss provision to assets | 0.0400% | 1,638 |
| Net operating income to assets | 0.9473% | 2,084 |
| Return on assets (ROA) | 0.9473% | 2,075 |
| Pretax return on assets | 1.2093% | 1,779 |
| Return on Equity (ROE) | 11.0188% | 1,616 |
| Retained earnings to average equity (ytd only) | 6.8099% | 1,951 |
| Net charge-offs to loans | 0.0103% | 1,382 |
| Credit loss provision to net charge-offs | 539.0244% | 492 |
| Earnings coverage of net charge-offs (x) | 168.4146% | 488 |
| Efficiency ratio | 63.8049% | 3,049 |
| Assets per employee ($millions) | 7.4213% | 1,729 |
| Cash dividends to net income (ytd only)* | 38.1971% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1607% | 3,053 |
| Loan loss allowance to noncurrent loans | 90.1205% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 0.9279% | 575 |
| Noncurrent loans to loans | 1.2879% | 680 |
| Net loans and leases to total assets | 71.2118% | 903 |
| Net loans and leases to deposits | 79.4830% | 1,184 |
| Net loans and leases to core deposits | 81.0969% | 1,411 |
| Total domestic deposits to total assets | 89.5938% | 1,772 |
| Equity capital to assets | 8.2422% | 3,373 |
| Core capital (leverage) ratio | 9.2414% | 3,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7609% | 1,894 |
| Memoranda: | ||
| Average total assets | $2,210,904,000 | 506 |
| Average earning assets | $2,109,604,500 | 491 |
| Average equity | $190,076,000 | 577 |
| Average total loans | $1,587,991,500 | 440 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8327% | 1,789 |
| Cost of funding earning assets | 0.1725% | 3,747 |
| Net interest margin | 3.6602% | 1,316 |
| Noninterest income to average assets | 0.4098% | 2,996 |
| Noninterest expense to average assets | 2.4266% | 2,409 |
| Loan and lease loss provision to assets | -0.0712% | 4,447 |
| Net operating income to assets | 1.1895% | 1,953 |
| Return on assets (ROA) | 1.1895% | 2,020 |
| Pretax return on assets | 1.5385% | 1,604 |
| Return on Equity (ROE) | 13.3394% | 1,364 |
| Retained earnings to average equity (ytd only) | 9.3809% | 1,078 |
| Net charge-offs to loans | 0.0279% | 1,679 |
| Credit loss provision to net charge-offs | -326.0776% | 3,636 |
| Earnings coverage of net charge-offs (x) | 67.2457% | 1,105 |
| Efficiency ratio | 62.2924% | 2,826 |
| Assets per employee ($millions) | 7.1512% | 1,829 |
| Cash dividends to net income (ytd only)* | 29.6750% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 3,008 |
| Loan loss allowance to noncurrent loans | 100.1249% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 0.8388% | 703 |
| Noncurrent loans to loans | 1.1715% | 823 |
| Net loans and leases to total assets | 70.7598% | 952 |
| Net loans and leases to deposits | 79.9763% | 1,216 |
| Net loans and leases to core deposits | 81.7362% | 1,482 |
| Total domestic deposits to total assets | 88.4760% | 1,797 |
| Equity capital to assets | 8.9572% | 3,667 |
| Core capital (leverage) ratio | 9.1854% | 3,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9276% | 1,879 |
| Memoranda: | ||
| Average total assets | $2,126,436,000 | 503 |
| Average earning assets | $2,024,139,800 | 487 |
| Average equity | $189,618,600 | 567 |
| Average total loans | $1,664,882,000 | 419 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7788% | 2,065 |
| Cost of funding earning assets | 0.1831% | 3,778 |
| Net interest margin | 3.5957% | 1,608 |
| Noninterest income to average assets | 0.3946% | 3,124 |
| Noninterest expense to average assets | 2.3805% | 2,501 |
| Loan and lease loss provision to assets | -0.1205% | 4,646 |
| Net operating income to assets | 1.1957% | 2,184 |
| Return on assets (ROA) | 1.1957% | 2,239 |
| Pretax return on assets | 1.5540% | 1,838 |
| Return on Equity (ROE) | 13.4245% | 1,569 |
| Retained earnings to average equity (ytd only) | 11.2953% | 993 |
| Net charge-offs to loans | 0.0362% | 1,358 |
| Credit loss provision to net charge-offs | -416.1572% | 3,598 |
| Earnings coverage of net charge-offs (x) | 49.5153% | 1,249 |
| Efficiency ratio | 62.3873% | 2,636 |
| Assets per employee ($millions) | 6.9997% | 1,867 |
| Cash dividends to net income (ytd only)* | 15.8604% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 3,356 |
| Loan loss allowance to noncurrent loans | 70.8883% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 1.1927% | 494 |
| Noncurrent loans to loans | 1.5775% | 653 |
| Net loans and leases to total assets | 74.7623% | 634 |
| Net loans and leases to deposits | 84.9714% | 889 |
| Net loans and leases to core deposits | 87.3298% | 1,195 |
| Total domestic deposits to total assets | 87.9852% | 1,856 |
| Equity capital to assets | 9.1809% | 3,671 |
| Core capital (leverage) ratio | 9.1745% | 3,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8238% | 2,039 |
| Memoranda: | ||
| Average total assets | $2,109,193,250 | 509 |
| Average earning assets | $2,005,795,250 | 497 |
| Average equity | $187,861,250 | 578 |
| Average total loans | $1,688,126,500 | 419 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7611% | 2,169 |
| Cost of funding earning assets | 0.1951% | 3,804 |
| Net interest margin | 3.5660% | 1,669 |
| Noninterest income to average assets | 0.3938% | 3,135 |
| Noninterest expense to average assets | 2.3411% | 2,640 |
| Loan and lease loss provision to assets | -0.0426% | 4,498 |
| Net operating income to assets | 1.1480% | 2,377 |
| Return on assets (ROA) | 1.1480% | 2,437 |
| Pretax return on assets | 1.4845% | 2,068 |
| Return on Equity (ROE) | 13.0253% | 1,709 |
| Retained earnings to average equity (ytd only) | 9.7847% | 1,470 |
| Net charge-offs to loans | 0.0030% | 2,075 |
| Credit loss provision to net charge-offs | -1,719.2308% | 3,795 |
| Earnings coverage of net charge-offs (x) | 582.5000% | 229 |
| Efficiency ratio | 61.8589% | 2,748 |
| Assets per employee ($millions) | 7.0545% | 1,765 |
| Cash dividends to net income (ytd only)* | 24.8797% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 3,075 |
| Loan loss allowance to noncurrent loans | 82.0085% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 1.1339% | 628 |
| Noncurrent loans to loans | 1.4327% | 810 |
| Net loans and leases to total assets | 78.2152% | 430 |
| Net loans and leases to deposits | 88.8058% | 729 |
| Net loans and leases to core deposits | 91.5406% | 1,036 |
| Total domestic deposits to total assets | 88.0744% | 1,782 |
| Equity capital to assets | 8.8813% | 3,910 |
| Core capital (leverage) ratio | 8.9578% | 3,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2754% | 2,255 |
| Memoranda: | ||
| Average total assets | $2,100,619,333 | 501 |
| Average earning assets | $1,996,539,333 | 492 |
| Average equity | $185,146,667 | 582 |
| Average total loans | $1,712,781,333 | 411 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6385% | 2,522 |
| Cost of funding earning assets | 0.2124% | 3,802 |
| Net interest margin | 3.4261% | 2,039 |
| Noninterest income to average assets | 0.4287% | 2,938 |
| Noninterest expense to average assets | 2.2830% | 2,844 |
| Loan and lease loss provision to assets | 0.0602% | 1,917 |
| Net operating income to assets | 1.0368% | 2,686 |
| Return on assets (ROA) | 1.0368% | 2,766 |
| Pretax return on assets | 1.3416% | 2,454 |
| Return on Equity (ROE) | 11.8101% | 2,087 |
| Retained earnings to average equity (ytd only) | 5.2343% | 3,156 |
| Net charge-offs to loans | 0.0063% | 1,673 |
| Credit loss provision to net charge-offs | 1,159.2593% | 378 |
| Earnings coverage of net charge-offs (x) | 269.8148% | 324 |
| Efficiency ratio | 61.9301% | 2,769 |
| Assets per employee ($millions) | 7.0037% | 1,801 |
| Cash dividends to net income (ytd only)* | 55.6793% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 3,005 |
| Loan loss allowance to noncurrent loans | 71.1888% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 1.3658% | 501 |
| Noncurrent loans to loans | 1.6643% | 724 |
| Net loans and leases to total assets | 81.0908% | 278 |
| Net loans and leases to deposits | 91.8197% | 605 |
| Net loans and leases to core deposits | 94.9297% | 927 |
| Total domestic deposits to total assets | 88.3153% | 1,695 |
| Equity capital to assets | 8.5415% | 4,082 |
| Core capital (leverage) ratio | 8.9612% | 3,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2527% | 2,183 |
| Memoranda: | ||
| Average total assets | $2,078,645,000 | 502 |
| Average earning assets | $1,975,539,500 | 488 |
| Average equity | $182,487,500 | 587 |
| Average total loans | $1,720,511,500 | 413 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0005% | 2,721 |
| Cost of funding earning assets | 0.4891% | 3,019 |
| Net interest margin | 3.5114% | 2,436 |
| Noninterest income to average assets | 0.4472% | 2,874 |
| Noninterest expense to average assets | 2.6830% | 2,289 |
| Loan and lease loss provision to assets | 0.2950% | 1,277 |
| Net operating income to assets | 0.7367% | 3,311 |
| Return on assets (ROA) | 0.7367% | 3,432 |
| Pretax return on assets | 0.7996% | 3,627 |
| Return on Equity (ROE) | 8.2694% | 2,705 |
| Retained earnings to average equity (ytd only) | 5.4812% | 2,055 |
| Net charge-offs to loans | 0.0073% | 3,074 |
| Credit loss provision to net charge-offs | 4,820.7207% | 218 |
| Earnings coverage of net charge-offs (x) | 178.8919% | 507 |
| Efficiency ratio | 70.2470% | 1,920 |
| Assets per employee ($millions) | 6.7158% | 1,773 |
| Cash dividends to net income (ytd only)* | 33.7174% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2053% | 2,915 |
| Loan loss allowance to noncurrent loans | 72.6073% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 1.3938% | 556 |
| Noncurrent loans to loans | 1.6600% | 784 |
| Net loans and leases to total assets | 82.5072% | 259 |
| Net loans and leases to deposits | 94.2147% | 645 |
| Net loans and leases to core deposits | 98.2081% | 999 |
| Total domestic deposits to total assets | 87.5736% | 1,670 |
| Equity capital to assets | 9.0287% | 4,027 |
| Core capital (leverage) ratio | 8.9641% | 3,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9440% | 2,254 |
| Memoranda: | ||
| Average total assets | $1,814,153,200 | 526 |
| Average earning assets | $1,720,604,600 | 510 |
| Average equity | $161,607,600 | 630 |
| Average total loans | $1,511,073,600 | 448 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0450% | 2,842 |
| Cost of funding earning assets | 0.5595% | 2,871 |
| Net interest margin | 3.4855% | 2,636 |
| Noninterest income to average assets | 0.4177% | 2,992 |
| Noninterest expense to average assets | 2.7755% | 2,036 |
| Loan and lease loss provision to assets | 0.4147% | 823 |
| Net operating income to assets | 0.5062% | 4,011 |
| Return on assets (ROA) | 0.5062% | 4,108 |
| Pretax return on assets | 0.5330% | 4,220 |
| Return on Equity (ROE) | 5.7051% | 3,661 |
| Retained earnings to average equity (ytd only) | 1.8647% | 3,974 |
| Net charge-offs to loans | 0.0046% | 2,984 |
| Credit loss provision to net charge-offs | 10,739.2157% | 114 |
| Earnings coverage of net charge-offs (x) | 245.4118% | 414 |
| Efficiency ratio | 73.7303% | 1,435 |
| Assets per employee ($millions) | 7.0113% | 1,494 |
| Cash dividends to net income (ytd only)* | 67.3149% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 2,611 |
| Loan loss allowance to noncurrent loans | 95.9659% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 1.0572% | 1,025 |
| Noncurrent loans to loans | 1.2605% | 1,186 |
| Net loans and leases to total assets | 82.4622% | 402 |
| Net loans and leases to deposits | 94.0851% | 917 |
| Net loans and leases to core deposits | 99.1845% | 1,220 |
| Total domestic deposits to total assets | 87.6464% | 1,378 |
| Equity capital to assets | 8.6694% | 4,356 |
| Core capital (leverage) ratio | 8.5703% | 4,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6096% | 2,361 |
| Memoranda: | ||
| Average total assets | $1,760,651,250 | 529 |
| Average earning assets | $1,669,785,500 | 512 |
| Average equity | $156,230,500 | 643 |
| Average total loans | $1,465,393,500 | 452 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1568% | 2,893 |
| Cost of funding earning assets | 0.6543% | 2,669 |
| Net interest margin | 3.5026% | 2,776 |
| Noninterest income to average assets | 0.3259% | 3,512 |
| Noninterest expense to average assets | 2.9575% | 1,693 |
| Loan and lease loss provision to assets | 0.4313% | 909 |
| Net operating income to assets | 0.2614% | 4,480 |
| Return on assets (ROA) | 0.2614% | 4,525 |
| Pretax return on assets | 0.2614% | 4,575 |
| Return on Equity (ROE) | 2.9180% | 4,369 |
| Retained earnings to average equity (ytd only) | -3.1082% | 4,662 |
| Net charge-offs to loans | 0.0025% | 2,919 |
| Credit loss provision to net charge-offs | 21,152.9412% | 52 |
| Earnings coverage of net charge-offs (x) | 339.7059% | 300 |
| Efficiency ratio | 80.1558% | 883 |
| Assets per employee ($millions) | 7.1396% | 1,367 |
| Cash dividends to net income (ytd only)* | 206.5168% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 2,984 |
| Loan loss allowance to noncurrent loans | 95.1159% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.9673% | 1,245 |
| Noncurrent loans to loans | 1.1696% | 1,340 |
| Net loans and leases to total assets | 81.3540% | 464 |
| Net loans and leases to deposits | 92.0000% | 1,157 |
| Net loans and leases to core deposits | 96.9469% | 1,503 |
| Total domestic deposits to total assets | 88.4282% | 975 |
| Equity capital to assets | 7.7097% | 4,830 |
| Core capital (leverage) ratio | 8.2945% | 4,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2010% | 2,918 |
| Memoranda: | ||
| Average total assets | $1,667,435,333 | 548 |
| Average earning assets | $1,582,553,667 | 529 |
| Average equity | $149,347,000 | 663 |
| Average total loans | $1,386,166,000 | 464 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5197% | 2,258 |
| Cost of funding earning assets | 0.8695% | 2,017 |
| Net interest margin | 3.6502% | 2,510 |
| Noninterest income to average assets | 0.2782% | 3,856 |
| Noninterest expense to average assets | 2.6889% | 2,739 |
| Loan and lease loss provision to assets | 0.8124% | 303 |
| Net operating income to assets | 0.2387% | 4,468 |
| Return on assets (ROA) | 0.2387% | 4,489 |
| Pretax return on assets | 0.2387% | 4,526 |
| Return on Equity (ROE) | 2.4298% | 4,358 |
| Retained earnings to average equity (ytd only) | -5.8442% | 4,577 |
| Net charge-offs to loans | 0.0055% | 2,374 |
| Credit loss provision to net charge-offs | 17,641.1765% | 39 |
| Earnings coverage of net charge-offs (x) | 228.2353% | 305 |
| Efficiency ratio | 70.9547% | 2,226 |
| Assets per employee ($millions) | 6.2069% | 1,514 |
| Cash dividends to net income (ytd only)* | 340.5221% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4570% | 1,507 |
| Loan loss allowance to noncurrent loans | 108.6140% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 1.1113% | 1,169 |
| Noncurrent loans to loans | 1.3414% | 1,203 |
| Net loans and leases to total assets | 81.4207% | 516 |
| Net loans and leases to deposits | 92.1797% | 1,263 |
| Net loans and leases to core deposits | 98.8974% | 1,566 |
| Total domestic deposits to total assets | 88.3283% | 965 |
| Equity capital to assets | 9.6154% | 4,121 |
| Core capital (leverage) ratio | 9.8141% | 3,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9586% | 2,721 |
| Memoranda: | ||
| Average total assets | $1,476,613,500 | 574 |
| Average earning assets | $1,400,368,000 | 561 |
| Average equity | $145,031,500 | 672 |
| Average total loans | $1,236,368,500 | 498 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7782% | 2,109 |
| Cost of funding earning assets | 0.9291% | 2,064 |
| Net interest margin | 3.8491% | 2,339 |
| Noninterest income to average assets | 0.4877% | 2,817 |
| Noninterest expense to average assets | 2.6302% | 3,095 |
| Loan and lease loss provision to assets | 0.0052% | 3,904 |
| Net operating income to assets | 1.2688% | 1,807 |
| Return on assets (ROA) | 1.2688% | 1,890 |
| Pretax return on assets | 1.4966% | 1,816 |
| Return on Equity (ROE) | 13.2934% | 1,075 |
| Retained earnings to average equity (ytd only) | 11.0925% | 324 |
| Net charge-offs to loans | -0.0263% | 4,685 |
| Credit loss provision to net charge-offs | -23.7342% | 4,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8959% | 3,229 |
| Assets per employee ($millions) | 5.9287% | 1,682 |
| Cash dividends to net income (ytd only)* | 16.5565% | 3,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 2,243 |
| Loan loss allowance to noncurrent loans | 105.4112% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 1.0001% | 1,242 |
| Noncurrent loans to loans | 1.1737% | 1,287 |
| Net loans and leases to total assets | 83.7381% | 344 |
| Net loans and leases to deposits | 95.3881% | 1,005 |
| Net loans and leases to core deposits | 103.3161% | 1,287 |
| Total domestic deposits to total assets | 87.7867% | 1,238 |
| Equity capital to assets | 10.0861% | 3,846 |
| Core capital (leverage) ratio | 10.2119% | 3,285 |
| Tier 1 risk-based capital ratio | 12.1376% | 4,279 |
| Total risk-based capital ratio | 13.3780% | 4,172 |
| Memoranda: | ||
| Average total assets | $1,431,013,400 | 572 |
| Average earning assets | $1,354,908,400 | 555 |
| Average equity | $136,578,600 | 680 |
| Average total loans | $1,200,076,000 | 491 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8068% | 2,094 |
| Cost of funding earning assets | 0.9228% | 2,128 |
| Net interest margin | 3.8840% | 2,316 |
| Noninterest income to average assets | 0.5359% | 2,532 |
| Noninterest expense to average assets | 2.6086% | 3,144 |
| Loan and lease loss provision to assets | 0.0184% | 3,539 |
| Net operating income to assets | 1.2237% | 2,113 |
| Return on assets (ROA) | 1.2237% | 2,188 |
| Pretax return on assets | 1.5862% | 1,682 |
| Return on Equity (ROE) | 13.0086% | 1,277 |
| Retained earnings to average equity (ytd only) | 10.0290% | 742 |
| Net charge-offs to loans | -0.0448% | 4,808 |
| Credit loss provision to net charge-offs | -49.1272% | 4,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1695% | 3,456 |
| Assets per employee ($millions) | 5.9498% | 1,639 |
| Cash dividends to net income (ytd only)* | 22.9043% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 2,167 |
| Loan loss allowance to noncurrent loans | 111.1496% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.9611% | 1,401 |
| Noncurrent loans to loans | 1.1345% | 1,399 |
| Net loans and leases to total assets | 83.6479% | 390 |
| Net loans and leases to deposits | 95.3264% | 1,095 |
| Net loans and leases to core deposits | 103.5455% | 1,367 |
| Total domestic deposits to total assets | 87.7490% | 1,147 |
| Equity capital to assets | 9.8195% | 4,191 |
| Core capital (leverage) ratio | 9.9547% | 3,687 |
| Tier 1 risk-based capital ratio | 11.6356% | 4,598 |
| Total risk-based capital ratio | 12.8851% | 4,502 |
| Memoranda: | ||
| Average total assets | $1,427,116,500 | 576 |
| Average earning assets | $1,351,149,500 | 560 |
| Average equity | $134,246,750 | 685 |
| Average total loans | $1,193,462,250 | 497 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7228% | 2,295 |
| Cost of funding earning assets | 0.9129% | 2,084 |
| Net interest margin | 3.8099% | 2,552 |
| Noninterest income to average assets | 0.5382% | 2,453 |
| Noninterest expense to average assets | 2.5839% | 3,230 |
| Loan and lease loss provision to assets | 0.0883% | 2,079 |
| Net operating income to assets | 1.1571% | 2,302 |
| Return on assets (ROA) | 1.1571% | 2,371 |
| Pretax return on assets | 1.4794% | 1,919 |
| Return on Equity (ROE) | 12.4853% | 1,420 |
| Retained earnings to average equity (ytd only) | 7.9353% | 1,426 |
| Net charge-offs to loans | 0.0277% | 2,300 |
| Credit loss provision to net charge-offs | 382.9268% | 748 |
| Earnings coverage of net charge-offs (x) | 68.0061% | 915 |
| Efficiency ratio | 61.4809% | 3,509 |
| Assets per employee ($millions) | 6.1392% | 1,444 |
| Cash dividends to net income (ytd only)* | 36.4431% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 2,212 |
| Loan loss allowance to noncurrent loans | 138.3792% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.7641% | 1,824 |
| Noncurrent loans to loans | 0.9086% | 1,806 |
| Net loans and leases to total assets | 82.2993% | 559 |
| Net loans and leases to deposits | 93.0621% | 1,367 |
| Net loans and leases to core deposits | 102.0706% | 1,546 |
| Total domestic deposits to total assets | 88.4348% | 903 |
| Equity capital to assets | 9.3288% | 4,551 |
| Core capital (leverage) ratio | 9.6705% | 3,962 |
| Tier 1 risk-based capital ratio | 11.4677% | 4,699 |
| Total risk-based capital ratio | 12.7178% | 4,594 |
| Memoranda: | ||
| Average total assets | $1,422,870,330 | 573 |
| Average earning assets | $1,349,485,000 | 560 |
| Average equity | $131,867,000 | 688 |
| Average total loans | $1,184,686,000 | 499 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6605% | 2,343 |
| Cost of funding earning assets | 0.8999% | 2,005 |
| Net interest margin | 3.7606% | 2,671 |
| Noninterest income to average assets | 0.5323% | 2,374 |
| Noninterest expense to average assets | 2.5089% | 3,485 |
| Loan and lease loss provision to assets | 0.1530% | 1,093 |
| Net operating income to assets | 1.1004% | 2,463 |
| Return on assets (ROA) | 1.1004% | 2,511 |
| Pretax return on assets | 1.4362% | 1,969 |
| Return on Equity (ROE) | 11.9138% | 1,566 |
| Retained earnings to average equity (ytd only) | 11.9138% | 622 |
| Net charge-offs to loans | 0.0393% | 1,713 |
| Credit loss provision to net charge-offs | 467.8261% | 634 |
| Earnings coverage of net charge-offs (x) | 48.6000% | 1,048 |
| Efficiency ratio | 60.4454% | 3,748 |
| Assets per employee ($millions) | 5.9781% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 2,170 |
| Loan loss allowance to noncurrent loans | 76.0845% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 1.3873% | 910 |
| Noncurrent loans to loans | 1.6861% | 920 |
| Net loans and leases to total assets | 81.2253% | 680 |
| Net loans and leases to deposits | 91.5145% | 1,455 |
| Net loans and leases to core deposits | 99.0770% | 1,700 |
| Total domestic deposits to total assets | 88.7567% | 977 |
| Equity capital to assets | 9.2064% | 4,528 |
| Core capital (leverage) ratio | 9.6879% | 3,931 |
| Tier 1 risk-based capital ratio | 11.5956% | 4,692 |
| Total risk-based capital ratio | 12.8461% | 4,575 |
| Memoranda: | ||
| Average total assets | $1,406,808,000 | 581 |
| Average earning assets | $1,333,944,000 | 566 |
| Average equity | $129,933,500 | 700 |
| Average total loans | $1,170,679,500 | 506 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5507% | 2,291 |
| Cost of funding earning assets | 0.7412% | 1,843 |
| Net interest margin | 3.8095% | 2,634 |
| Noninterest income to average assets | 0.4670% | 3,014 |
| Noninterest expense to average assets | 2.5972% | 3,341 |
| Loan and lease loss provision to assets | 0.1047% | 2,100 |
| Net operating income to assets | 1.2186% | 2,091 |
| Return on assets (ROA) | 1.2187% | 2,083 |
| Pretax return on assets | 1.3651% | 2,259 |
| Return on Equity (ROE) | 13.4862% | 1,178 |
| Retained earnings to average equity (ytd only) | 7.4514% | 1,476 |
| Net charge-offs to loans | 0.0567% | 2,332 |
| Credit loss provision to net charge-offs | 220.0942% | 1,321 |
| Earnings coverage of net charge-offs (x) | 30.9089% | 1,564 |
| Efficiency ratio | 63.3489% | 3,281 |
| Assets per employee ($millions) | 4.5310% | 3,118 |
| Cash dividends to net income (ytd only)* | 44.7480% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2790% | 2,149 |
| Loan loss allowance to noncurrent loans | 77.8474% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 1.3833% | 893 |
| Noncurrent loans to loans | 1.6429% | 889 |
| Net loans and leases to total assets | 83.1191% | 507 |
| Net loans and leases to deposits | 93.7021% | 1,314 |
| Net loans and leases to core deposits | 101.8548% | 1,589 |
| Total domestic deposits to total assets | 88.7058% | 978 |
| Equity capital to assets | 9.2672% | 4,353 |
| Core capital (leverage) ratio | 9.4898% | 4,121 |
| Tier 1 risk-based capital ratio | 11.5342% | 4,709 |
| Total risk-based capital ratio | 12.7847% | 4,614 |
| Memoranda: | ||
| Average total assets | $1,339,691,800 | 590 |
| Average earning assets | $1,265,992,400 | 577 |
| Average equity | $121,064,600 | 711 |
| Average total loans | $1,122,533,400 | 508 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4861% | 2,352 |
| Cost of funding earning assets | 0.6873% | 1,929 |
| Net interest margin | 3.7988% | 2,654 |
| Noninterest income to average assets | 0.5367% | 2,638 |
| Noninterest expense to average assets | 2.5776% | 3,353 |
| Loan and lease loss provision to assets | 0.1680% | 1,117 |
| Net operating income to assets | 1.1660% | 2,384 |
| Return on assets (ROA) | 1.1660% | 2,387 |
| Pretax return on assets | 1.3784% | 2,306 |
| Return on Equity (ROE) | 12.9879% | 1,433 |
| Retained earnings to average equity (ytd only) | 4.8447% | 3,320 |
| Net charge-offs to loans | 0.0579% | 1,991 |
| Credit loss provision to net charge-offs | 346.6942% | 908 |
| Earnings coverage of net charge-offs (x) | 31.9048% | 1,556 |
| Efficiency ratio | 62.0942% | 3,499 |
| Assets per employee ($millions) | 5.9886% | 1,496 |
| Cash dividends to net income (ytd only)* | 62.6986% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 2,020 |
| Loan loss allowance to noncurrent loans | 65.8857% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 1.6911% | 728 |
| Noncurrent loans to loans | 1.9982% | 731 |
| Net loans and leases to total assets | 83.5177% | 513 |
| Net loans and leases to deposits | 93.4677% | 1,438 |
| Net loans and leases to core deposits | 100.8440% | 1,710 |
| Total domestic deposits to total assets | 89.3546% | 717 |
| Equity capital to assets | 8.9105% | 4,628 |
| Core capital (leverage) ratio | 9.3862% | 4,296 |
| Tier 1 risk-based capital ratio | 11.0801% | 4,998 |
| Total risk-based capital ratio | 12.3310% | 4,895 |
| Memoranda: | ||
| Average total assets | $1,331,388,750 | 594 |
| Average earning assets | $1,257,277,250 | 578 |
| Average equity | $119,523,250 | 713 |
| Average total loans | $1,114,184,250 | 506 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4354% | 2,301 |
| Cost of funding earning assets | 0.6279% | 2,056 |
| Net interest margin | 3.8075% | 2,541 |
| Noninterest income to average assets | 0.5401% | 2,629 |
| Noninterest expense to average assets | 2.5263% | 3,564 |
| Loan and lease loss provision to assets | 0.2161% | 766 |
| Net operating income to assets | 1.0854% | 2,639 |
| Return on assets (ROA) | 1.0854% | 2,647 |
| Pretax return on assets | 1.3892% | 2,188 |
| Return on Equity (ROE) | 12.0596% | 1,703 |
| Retained earnings to average equity (ytd only) | -0.2289% | 4,988 |
| Net charge-offs to loans | 0.0382% | 2,087 |
| Credit loss provision to net charge-offs | 679.0476% | 572 |
| Earnings coverage of net charge-offs (x) | 50.4524% | 1,122 |
| Efficiency ratio | 60.9410% | 3,776 |
| Assets per employee ($millions) | 5.9813% | 1,481 |
| Cash dividends to net income (ytd only)* | 101.8984% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 1,927 |
| Loan loss allowance to noncurrent loans | 65.6398% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 1.7401% | 692 |
| Noncurrent loans to loans | 2.0615% | 713 |
| Net loans and leases to total assets | 83.2692% | 550 |
| Net loans and leases to deposits | 93.4212% | 1,425 |
| Net loans and leases to core deposits | 99.0134% | 1,815 |
| Total domestic deposits to total assets | 89.1331% | 879 |
| Equity capital to assets | 8.8260% | 4,699 |
| Core capital (leverage) ratio | 9.2451% | 4,419 |
| Tier 1 risk-based capital ratio | 10.8103% | 5,149 |
| Total risk-based capital ratio | 12.0614% | 5,041 |
| Memoranda: | ||
| Average total assets | $1,320,050,670 | 595 |
| Average earning assets | $1,245,115,330 | 581 |
| Average equity | $118,809,670 | 717 |
| Average total loans | $1,100,390,330 | 512 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3209% | 2,448 |
| Cost of funding earning assets | 0.6100% | 1,986 |
| Net interest margin | 3.7109% | 2,759 |
| Noninterest income to average assets | 0.5513% | 2,517 |
| Noninterest expense to average assets | 2.5228% | 3,578 |
| Loan and lease loss provision to assets | 0.2336% | 661 |
| Net operating income to assets | 1.0177% | 2,788 |
| Return on assets (ROA) | 1.0177% | 2,808 |
| Pretax return on assets | 1.2915% | 2,401 |
| Return on Equity (ROE) | 11.1970% | 1,884 |
| Retained earnings to average equity (ytd only) | 3.4888% | 3,809 |
| Net charge-offs to loans | 0.0342% | 1,828 |
| Credit loss provision to net charge-offs | 824.7312% | 405 |
| Earnings coverage of net charge-offs (x) | 53.8387% | 908 |
| Efficiency ratio | 62.1115% | 3,760 |
| Assets per employee ($millions) | 5.9884% | 1,525 |
| Cash dividends to net income (ytd only)* | 68.8417% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3237% | 2,131 |
| Loan loss allowance to noncurrent loans | 99.4719% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.1012% | 1,409 |
| Noncurrent loans to loans | 1.3308% | 1,338 |
| Net loans and leases to total assets | 81.6510% | 702 |
| Net loans and leases to deposits | 96.2504% | 1,008 |
| Net loans and leases to core deposits | 100.1296% | 1,676 |
| Total domestic deposits to total assets | 84.8319% | 2,999 |
| Equity capital to assets | 8.8989% | 4,664 |
| Core capital (leverage) ratio | 9.5091% | 4,060 |
| Tier 1 risk-based capital ratio | 11.1266% | 5,067 |
| Total risk-based capital ratio | 12.3775% | 4,968 |
| Memoranda: | ||
| Average total assets | $1,313,166,500 | 601 |
| Average earning assets | $1,237,337,500 | 584 |
| Average equity | $119,353,000 | 718 |
| Average total loans | $1,087,638,000 | 519 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3042% | 2,312 |
| Cost of funding earning assets | 0.5074% | 2,265 |
| Net interest margin | 3.7967% | 2,436 |
| Noninterest income to average assets | 0.4690% | 3,197 |
| Noninterest expense to average assets | 2.7045% | 3,111 |
| Loan and lease loss provision to assets | 0.0627% | 2,979 |
| Net operating income to assets | 0.8826% | 2,804 |
| Return on assets (ROA) | 0.8826% | 2,829 |
| Pretax return on assets | 1.2796% | 2,432 |
| Return on Equity (ROE) | 9.1758% | 2,229 |
| Retained earnings to average equity (ytd only) | 7.9341% | 792 |
| Net charge-offs to loans | 0.0644% | 2,550 |
| Credit loss provision to net charge-offs | 116.2205% | 2,250 |
| Earnings coverage of net charge-offs (x) | 24.8850% | 1,739 |
| Efficiency ratio | 66.5932% | 3,151 |
| Assets per employee ($millions) | 5.9213% | 1,577 |
| Cash dividends to net income (ytd only)* | 13.5322% | 3,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 2,137 |
| Loan loss allowance to noncurrent loans | 102.2166% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 1.0674% | 1,429 |
| Noncurrent loans to loans | 1.2874% | 1,363 |
| Net loans and leases to total assets | 81.8172% | 703 |
| Net loans and leases to deposits | 99.8895% | 739 |
| Net loans and leases to core deposits | 103.9555% | 1,418 |
| Total domestic deposits to total assets | 81.9078% | 3,893 |
| Equity capital to assets | 9.2873% | 4,442 |
| Core capital (leverage) ratio | 9.9017% | 3,578 |
| Tier 1 risk-based capital ratio | 11.4766% | 4,864 |
| Total risk-based capital ratio | 12.7274% | 4,757 |
| Memoranda: | ||
| Average total assets | $1,177,216,600 | 638 |
| Average earning assets | $1,109,344,000 | 620 |
| Average equity | $113,232,600 | 725 |
| Average total loans | $985,581,600 | 552 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2966% | 2,268 |
| Cost of funding earning assets | 0.4941% | 2,318 |
| Net interest margin | 3.8025% | 2,383 |
| Noninterest income to average assets | 0.4683% | 3,225 |
| Noninterest expense to average assets | 2.6953% | 3,082 |
| Loan and lease loss provision to assets | 0.0158% | 3,829 |
| Net operating income to assets | 1.0644% | 2,260 |
| Return on assets (ROA) | 1.0644% | 2,297 |
| Pretax return on assets | 1.3428% | 2,314 |
| Return on Equity (ROE) | 10.9606% | 1,718 |
| Retained earnings to average equity (ytd only) | 9.2896% | 766 |
| Net charge-offs to loans | -0.0179% | 4,816 |
| Credit loss provision to net charge-offs | -104.6154% | 4,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2464% | 3,168 |
| Assets per employee ($millions) | 5.2345% | 2,191 |
| Cash dividends to net income (ytd only)* | 15.2456% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4210% | 1,804 |
| Loan loss allowance to noncurrent loans | 105.9228% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 1.1073% | 1,501 |
| Noncurrent loans to loans | 1.3416% | 1,414 |
| Net loans and leases to total assets | 81.3628% | 783 |
| Net loans and leases to deposits | 95.0171% | 1,199 |
| Net loans and leases to core deposits | 98.3692% | 1,857 |
| Total domestic deposits to total assets | 85.6296% | 2,469 |
| Equity capital to assets | 9.8061% | 4,139 |
| Core capital (leverage) ratio | 10.1508% | 3,379 |
| Tier 1 risk-based capital ratio | 12.0469% | 4,574 |
| Total risk-based capital ratio | 13.2990% | 4,470 |
| Memoranda: | ||
| Average total assets | $1,150,287,750 | 650 |
| Average earning assets | $1,084,673,250 | 629 |
| Average equity | $111,706,750 | 740 |
| Average total loans | $965,648,250 | 561 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1952% | 2,490 |
| Cost of funding earning assets | 0.4810% | 2,319 |
| Net interest margin | 3.7142% | 2,603 |
| Noninterest income to average assets | 0.4841% | 3,119 |
| Noninterest expense to average assets | 2.6767% | 3,174 |
| Loan and lease loss provision to assets | -0.0044% | 5,527 |
| Net operating income to assets | 0.9862% | 2,497 |
| Return on assets (ROA) | 0.9862% | 2,544 |
| Pretax return on assets | 1.3168% | 2,325 |
| Return on Equity (ROE) | 10.1903% | 1,954 |
| Retained earnings to average equity (ytd only) | 10.1903% | 546 |
| Net charge-offs to loans | -0.0601% | 5,249 |
| Credit loss provision to net charge-offs | 8.7108% | 2,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8529% | 3,205 |
| Assets per employee ($millions) | 5.2088% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4519% | 1,751 |
| Loan loss allowance to noncurrent loans | 101.9927% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 1.1861% | 1,437 |
| Noncurrent loans to loans | 1.4236% | 1,338 |
| Net loans and leases to total assets | 82.1105% | 651 |
| Net loans and leases to deposits | 94.3268% | 1,233 |
| Net loans and leases to core deposits | 97.9134% | 1,818 |
| Total domestic deposits to total assets | 87.0490% | 1,929 |
| Equity capital to assets | 9.9244% | 3,999 |
| Core capital (leverage) ratio | 10.3076% | 3,137 |
| Tier 1 risk-based capital ratio | 12.0641% | 4,595 |
| Total risk-based capital ratio | 13.3167% | 4,466 |
| Memoranda: | ||
| Average total assets | $1,130,656,670 | 660 |
| Average earning assets | $1,066,939,330 | 637 |
| Average equity | $109,418,000 | 751 |
| Average total loans | $954,862,670 | 566 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1709% | 2,382 |
| Cost of funding earning assets | 0.4768% | 2,285 |
| Net interest margin | 3.6941% | 2,499 |
| Noninterest income to average assets | 0.5276% | 2,782 |
| Noninterest expense to average assets | 2.6782% | 3,227 |
| Loan and lease loss provision to assets | -0.1568% | 5,780 |
| Net operating income to assets | 1.0620% | 2,020 |
| Return on assets (ROA) | 1.0620% | 2,059 |
| Pretax return on assets | 1.4908% | 1,561 |
| Return on Equity (ROE) | 11.1238% | 1,524 |
| Retained earnings to average equity (ytd only) | 11.1238% | 587 |
| Net charge-offs to loans | -0.0415% | 5,094 |
| Credit loss provision to net charge-offs | 443.8776% | 615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4990% | 3,412 |
| Assets per employee ($millions) | 5.2498% | 2,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4360% | 1,919 |
| Loan loss allowance to noncurrent loans | 110.5332% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.0884% | 1,638 |
| Noncurrent loans to loans | 1.2992% | 1,558 |
| Net loans and leases to total assets | 82.5729% | 504 |
| Net loans and leases to deposits | 94.9977% | 1,018 |
| Net loans and leases to core deposits | 97.4693% | 1,705 |
| Total domestic deposits to total assets | 86.9210% | 2,254 |
| Equity capital to assets | 10.0576% | 3,687 |
| Core capital (leverage) ratio | 10.5037% | 2,899 |
| Tier 1 risk-based capital ratio | 12.2666% | 4,530 |
| Total risk-based capital ratio | 13.5191% | 4,431 |
| Memoranda: | ||
| Average total assets | $1,109,997,500 | 675 |
| Average earning assets | $1,047,065,000 | 652 |
| Average equity | $105,971,000 | 772 |
| Average total loans | $944,047,500 | 575 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1799% | 2,558 |
| Cost of funding earning assets | 0.4796% | 2,261 |
| Net interest margin | 3.7004% | 2,692 |
| Noninterest income to average assets | 0.5039% | 3,217 |
| Noninterest expense to average assets | 2.9882% | 2,385 |
| Loan and lease loss provision to assets | 0.1187% | 2,087 |
| Net operating income to assets | 0.7325% | 3,630 |
| Return on assets (ROA) | 0.7325% | 3,743 |
| Pretax return on assets | 0.8695% | 3,945 |
| Return on Equity (ROE) | 7.8017% | 3,054 |
| Retained earnings to average equity (ytd only) | 4.3950% | 2,784 |
| Net charge-offs to loans | 0.0206% | 3,641 |
| Credit loss provision to net charge-offs | 686.9318% | 514 |
| Earnings coverage of net charge-offs (x) | 57.1932% | 928 |
| Efficiency ratio | 75.1481% | 2,115 |
| Assets per employee ($millions) | 5.1476% | 2,233 |
| Cash dividends to net income (ytd only)* | 43.6671% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4765% | 1,771 |
| Loan loss allowance to noncurrent loans | 115.7737% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 1.1014% | 1,693 |
| Noncurrent loans to loans | 1.2753% | 1,603 |
| Net loans and leases to total assets | 85.0915% | 296 |
| Net loans and leases to deposits | 98.6923% | 763 |
| Net loans and leases to core deposits | 101.2386% | 1,513 |
| Total domestic deposits to total assets | 86.2190% | 2,487 |
| Equity capital to assets | 9.0188% | 4,797 |
| Core capital (leverage) ratio | 9.2545% | 4,401 |
| Tier 1 risk-based capital ratio | 10.5573% | 5,547 |
| Total risk-based capital ratio | 11.8102% | 5,476 |
| Memoranda: | ||
| Average total assets | $1,018,594,600 | 706 |
| Average earning assets | $955,876,400 | 689 |
| Average equity | $95,632,400 | 835 |
| Average total loans | $855,885,000 | 592 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1624% | 2,637 |
| Cost of funding earning assets | 0.4758% | 2,312 |
| Net interest margin | 3.6866% | 2,769 |
| Noninterest income to average assets | 0.5019% | 3,234 |
| Noninterest expense to average assets | 2.9907% | 2,346 |
| Loan and lease loss provision to assets | 0.1117% | 2,063 |
| Net operating income to assets | 0.6881% | 3,917 |
| Return on assets (ROA) | 0.6881% | 4,049 |
| Pretax return on assets | 0.8571% | 4,134 |
| Return on Equity (ROE) | 7.2511% | 3,424 |
| Retained earnings to average equity (ytd only) | 2.6797% | 4,299 |
| Net charge-offs to loans | 0.0014% | 3,893 |
| Credit loss provision to net charge-offs | 9,311.1111% | 56 |
| Earnings coverage of net charge-offs (x) | 807.6467% | 114 |
| Efficiency ratio | 75.5327% | 2,033 |
| Assets per employee ($millions) | 5.0956% | 2,262 |
| Cash dividends to net income (ytd only)* | 63.0447% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 1,760 |
| Loan loss allowance to noncurrent loans | 89.7441% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.4211% | 1,297 |
| Noncurrent loans to loans | 1.6738% | 1,262 |
| Net loans and leases to total assets | 83.6275% | 446 |
| Net loans and leases to deposits | 100.0552% | 706 |
| Net loans and leases to core deposits | 102.2779% | 1,468 |
| Total domestic deposits to total assets | 83.5814% | 3,361 |
| Equity capital to assets | 9.0371% | 5,139 |
| Core capital (leverage) ratio | 9.3328% | 4,416 |
| Tier 1 risk-based capital ratio | 10.5745% | 5,585 |
| Total risk-based capital ratio | 11.8276% | 5,499 |
| Memoranda: | ||
| Average total assets | $1,000,420,500 | 722 |
| Average earning assets | $938,250,000 | 703 |
| Average equity | $94,935,250 | 843 |
| Average total loans | $834,228,250 | 600 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1645% | 2,620 |
| Cost of funding earning assets | 0.4829% | 2,246 |
| Net interest margin | 3.6816% | 2,775 |
| Noninterest income to average assets | 0.4496% | 3,525 |
| Noninterest expense to average assets | 3.0503% | 2,207 |
| Loan and lease loss provision to assets | -0.0344% | 5,805 |
| Net operating income to assets | 0.6809% | 3,893 |
| Return on assets (ROA) | 0.6809% | 4,036 |
| Pretax return on assets | 0.8865% | 4,001 |
| Return on Equity (ROE) | 7.0515% | 3,510 |
| Retained earnings to average equity (ytd only) | 3.5990% | 3,600 |
| Net charge-offs to loans | -0.0144% | 4,825 |
| Credit loss provision to net charge-offs | 289.6552% | 990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1654% | 1,758 |
| Assets per employee ($millions) | 4.7973% | 2,566 |
| Cash dividends to net income (ytd only)* | 48.9612% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 1,873 |
| Loan loss allowance to noncurrent loans | 79.4538% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 1.5882% | 1,173 |
| Noncurrent loans to loans | 1.8840% | 1,079 |
| Net loans and leases to total assets | 83.0377% | 512 |
| Net loans and leases to deposits | 96.4631% | 1,032 |
| Net loans and leases to core deposits | 98.3515% | 1,776 |
| Total domestic deposits to total assets | 86.0824% | 2,381 |
| Equity capital to assets | 9.4897% | 4,777 |
| Core capital (leverage) ratio | 9.7665% | 3,845 |
| Tier 1 risk-based capital ratio | 11.1172% | 5,355 |
| Total risk-based capital ratio | 12.3703% | 5,273 |
| Memoranda: | ||
| Average total assets | $975,503,330 | 742 |
| Average earning assets | $914,868,000 | 722 |
| Average equity | $94,192,330 | 845 |
| Average total loans | $808,020,330 | 618 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1751% | 2,563 |
| Cost of funding earning assets | 0.4753% | 2,328 |
| Net interest margin | 3.6999% | 2,672 |
| Noninterest income to average assets | 0.5659% | 2,711 |
| Noninterest expense to average assets | 3.0625% | 2,204 |
| Loan and lease loss provision to assets | 0.0869% | 2,232 |
| Net operating income to assets | 0.6108% | 4,132 |
| Return on assets (ROA) | 0.6131% | 4,240 |
| Pretax return on assets | 0.8847% | 3,912 |
| Return on Equity (ROE) | 6.2921% | 3,838 |
| Retained earnings to average equity (ytd only) | -0.6820% | 5,234 |
| Net charge-offs to loans | -0.0143% | 4,688 |
| Credit loss provision to net charge-offs | -742.8571% | 4,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9772% | 2,179 |
| Assets per employee ($millions) | 4.8299% | 2,534 |
| Cash dividends to net income (ytd only)* | 110.8384% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6465% | 1,489 |
| Loan loss allowance to noncurrent loans | 73.1230% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 1.8298% | 1,004 |
| Noncurrent loans to loans | 2.2517% | 897 |
| Net loans and leases to total assets | 79.9267% | 823 |
| Net loans and leases to deposits | 92.1620% | 1,326 |
| Net loans and leases to core deposits | 94.1044% | 1,981 |
| Total domestic deposits to total assets | 86.7242% | 2,346 |
| Equity capital to assets | 9.5465% | 4,626 |
| Core capital (leverage) ratio | 9.8792% | 3,684 |
| Tier 1 risk-based capital ratio | 11.6135% | 5,164 |
| Total risk-based capital ratio | 12.8685% | 5,066 |
| Memoranda: | ||
| Average total assets | $957,140,500 | 757 |
| Average earning assets | $896,360,000 | 737 |
| Average equity | $93,260,000 | 852 |
| Average total loans | $785,378,000 | 634 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3757% | 1,983 |
| Cost of funding earning assets | 0.4553% | 2,574 |
| Net interest margin | 3.9204% | 1,963 |
| Noninterest income to average assets | 0.8013% | 1,786 |
| Noninterest expense to average assets | 3.1287% | 2,153 |
| Loan and lease loss provision to assets | 0.1354% | 1,757 |
| Net operating income to assets | 0.7493% | 3,576 |
| Return on assets (ROA) | 0.7493% | 3,671 |
| Pretax return on assets | 1.0912% | 3,103 |
| Return on Equity (ROE) | 7.4384% | 3,281 |
| Retained earnings to average equity (ytd only) | 4.0685% | 3,111 |
| Net charge-offs to loans | 0.1198% | 2,176 |
| Credit loss provision to net charge-offs | 140.4157% | 1,875 |
| Earnings coverage of net charge-offs (x) | 12.7217% | 2,437 |
| Efficiency ratio | 71.8372% | 2,933 |
| Assets per employee ($millions) | 4.5331% | 2,990 |
| Cash dividends to net income (ytd only)* | 45.3046% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6645% | 1,440 |
| Loan loss allowance to noncurrent loans | 80.3079% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 1.7179% | 1,128 |
| Noncurrent loans to loans | 2.0727% | 995 |
| Net loans and leases to total assets | 81.5044% | 639 |
| Net loans and leases to deposits | 94.2017% | 1,184 |
| Net loans and leases to core deposits | 95.6543% | 1,881 |
| Total domestic deposits to total assets | 86.5211% | 2,367 |
| Equity capital to assets | 9.9506% | 4,020 |
| Core capital (leverage) ratio | 10.1807% | 3,284 |
| Tier 1 risk-based capital ratio | 11.5299% | 5,233 |
| Total risk-based capital ratio | 12.7849% | 5,138 |
| Memoranda: | ||
| Average total assets | $898,189,800 | 765 |
| Average earning assets | $814,244,400 | 766 |
| Average equity | $90,476,200 | 841 |
| Average total loans | $722,691,000 | 643 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3641% | 2,032 |
| Cost of funding earning assets | 0.4559% | 2,630 |
| Net interest margin | 3.9082% | 2,004 |
| Noninterest income to average assets | 0.8546% | 1,601 |
| Noninterest expense to average assets | 3.0892% | 2,250 |
| Loan and lease loss provision to assets | 0.1517% | 1,435 |
| Net operating income to assets | 0.7669% | 3,601 |
| Return on assets (ROA) | 0.7669% | 3,696 |
| Pretax return on assets | 1.1302% | 3,098 |
| Return on Equity (ROE) | 7.5890% | 3,293 |
| Retained earnings to average equity (ytd only) | 3.0742% | 4,262 |
| Net charge-offs to loans | 0.0167% | 3,617 |
| Credit loss provision to net charge-offs | 1,137.0787% | 331 |
| Earnings coverage of net charge-offs (x) | 96.0705% | 650 |
| Efficiency ratio | 70.6730% | 3,101 |
| Assets per employee ($millions) | 4.3177% | 3,293 |
| Cash dividends to net income (ytd only)* | 59.4917% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8402% | 1,189 |
| Loan loss allowance to noncurrent loans | 177.5198% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.8281% | 2,800 |
| Noncurrent loans to loans | 1.0366% | 2,401 |
| Net loans and leases to total assets | 78.4160% | 1,038 |
| Net loans and leases to deposits | 91.1945% | 1,502 |
| Net loans and leases to core deposits | 92.7106% | 2,198 |
| Total domestic deposits to total assets | 85.9876% | 2,521 |
| Equity capital to assets | 9.9935% | 4,157 |
| Core capital (leverage) ratio | 10.1525% | 3,434 |
| Tier 1 risk-based capital ratio | 11.8042% | 5,198 |
| Total risk-based capital ratio | 13.0612% | 5,115 |
| Memoranda: | ||
| Average total assets | $889,283,500 | 784 |
| Average earning assets | $800,138,750 | 788 |
| Average equity | $89,865,250 | 855 |
| Average total loans | $709,868,000 | 655 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3170% | 2,116 |
| Cost of funding earning assets | 0.4564% | 2,647 |
| Net interest margin | 3.8606% | 2,103 |
| Noninterest income to average assets | 0.7375% | 2,051 |
| Noninterest expense to average assets | 3.0825% | 2,294 |
| Loan and lease loss provision to assets | 0.1399% | 1,555 |
| Net operating income to assets | 0.6666% | 4,051 |
| Return on assets (ROA) | 0.6666% | 4,152 |
| Pretax return on assets | 0.9868% | 3,634 |
| Return on Equity (ROE) | 6.5713% | 3,843 |
| Retained earnings to average equity (ytd only) | 3.1748% | 4,032 |
| Net charge-offs to loans | 0.0111% | 3,520 |
| Credit loss provision to net charge-offs | 1,579.4872% | 227 |
| Earnings coverage of net charge-offs (x) | 127.2051% | 494 |
| Efficiency ratio | 73.2315% | 2,795 |
| Assets per employee ($millions) | 4.1593% | 3,549 |
| Cash dividends to net income (ytd only)* | 51.6865% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8443% | 1,285 |
| Loan loss allowance to noncurrent loans | 128.6682% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 1.1289% | 2,254 |
| Noncurrent loans to loans | 1.4334% | 1,863 |
| Net loans and leases to total assets | 77.3037% | 1,166 |
| Net loans and leases to deposits | 89.6833% | 1,637 |
| Net loans and leases to core deposits | 91.2558% | 2,219 |
| Total domestic deposits to total assets | 86.1963% | 2,583 |
| Equity capital to assets | 10.0076% | 4,031 |
| Core capital (leverage) ratio | 10.0880% | 3,478 |
| Tier 1 risk-based capital ratio | 12.4415% | 4,846 |
| Total risk-based capital ratio | 13.6982% | 4,756 |
| Memoranda: | ||
| Average total assets | $880,594,000 | 796 |
| Average earning assets | $791,894,670 | 801 |
| Average equity | $89,328,330 | 863 |
| Average total loans | $702,744,670 | 663 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3076% | 2,074 |
| Cost of funding earning assets | 0.4310% | 2,968 |
| Net interest margin | 3.8766% | 1,975 |
| Noninterest income to average assets | 0.6426% | 2,438 |
| Noninterest expense to average assets | 2.9880% | 2,625 |
| Loan and lease loss provision to assets | 0.0925% | 2,147 |
| Net operating income to assets | 0.7001% | 3,797 |
| Return on assets (ROA) | 0.7001% | 3,924 |
| Pretax return on assets | 1.0626% | 3,252 |
| Return on Equity (ROE) | 6.8536% | 3,581 |
| Retained earnings to average equity (ytd only) | 0.0225% | 5,362 |
| Net charge-offs to loans | -0.0246% | 5,143 |
| Credit loss provision to net charge-offs | -467.4419% | 4,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1217% | 3,154 |
| Assets per employee ($millions) | 4.3616% | 3,261 |
| Cash dividends to net income (ytd only)* | 99.6715% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8208% | 1,451 |
| Loan loss allowance to noncurrent loans | 108.2430% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 1.3138% | 2,025 |
| Noncurrent loans to loans | 1.6821% | 1,643 |
| Net loans and leases to total assets | 76.6804% | 1,108 |
| Net loans and leases to deposits | 87.8669% | 1,624 |
| Net loans and leases to core deposits | 89.5729% | 2,170 |
| Total domestic deposits to total assets | 87.2688% | 2,227 |
| Equity capital to assets | 9.9160% | 4,240 |
| Core capital (leverage) ratio | 10.6444% | 2,798 |
| Tier 1 risk-based capital ratio | 12.7354% | 4,766 |
| Total risk-based capital ratio | 13.9853% | 4,686 |
| Memoranda: | ||
| Average total assets | $869,605,000 | 810 |
| Average earning assets | $785,219,500 | 814 |
| Average equity | $88,829,500 | 870 |
| Average total loans | $698,701,000 | 661 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5031% | 1,849 |
| Cost of funding earning assets | 0.4543% | 3,129 |
| Net interest margin | 4.0488% | 1,740 |
| Noninterest income to average assets | 0.4492% | 3,833 |
| Noninterest expense to average assets | 3.2304% | 2,127 |
| Loan and lease loss provision to assets | 0.1478% | 1,782 |
| Net operating income to assets | 0.8364% | 3,191 |
| Return on assets (ROA) | 0.8364% | 3,286 |
| Pretax return on assets | 0.8240% | 4,174 |
| Return on Equity (ROE) | 8.4218% | 2,893 |
| Retained earnings to average equity (ytd only) | 5.1105% | 2,517 |
| Net charge-offs to loans | 0.0297% | 4,230 |
| Credit loss provision to net charge-offs | 617.5879% | 428 |
| Earnings coverage of net charge-offs (x) | 40.6131% | 1,072 |
| Efficiency ratio | 76.8749% | 2,379 |
| Assets per employee ($millions) | 4.0615% | 3,802 |
| Cash dividends to net income (ytd only)* | 39.3186% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8016% | 1,530 |
| Loan loss allowance to noncurrent loans | 118.3475% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 1.2596% | 2,236 |
| Noncurrent loans to loans | 1.5223% | 1,926 |
| Net loans and leases to total assets | 81.2549% | 600 |
| Net loans and leases to deposits | 96.1109% | 894 |
| Net loans and leases to core deposits | 98.1511% | 1,540 |
| Total domestic deposits to total assets | 84.5429% | 3,488 |
| Equity capital to assets | 10.5343% | 3,437 |
| Core capital (leverage) ratio | 10.7831% | 2,631 |
| Tier 1 risk-based capital ratio | 13.6510% | 4,323 |
| Total risk-based capital ratio | 14.9090% | 4,259 |
| Memoranda: | ||
| Average total assets | $831,682,200 | 810 |
| Average earning assets | $770,911,200 | 788 |
| Average equity | $82,595,400 | 889 |
| Average total loans | $670,418,800 | 649 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4052% | 2,198 |
| Cost of funding earning assets | 0.4588% | 3,159 |
| Net interest margin | 3.9464% | 2,050 |
| Noninterest income to average assets | 0.7721% | 2,009 |
| Noninterest expense to average assets | 3.2330% | 2,080 |
| Loan and lease loss provision to assets | 0.1053% | 2,279 |
| Net operating income to assets | 0.7737% | 3,546 |
| Return on assets (ROA) | 0.7737% | 3,656 |
| Pretax return on assets | 1.0899% | 3,232 |
| Return on Equity (ROE) | 7.9124% | 3,258 |
| Retained earnings to average equity (ytd only) | 3.4260% | 4,182 |
| Net charge-offs to loans | 0.0408% | 3,689 |
| Credit loss provision to net charge-offs | 322.6601% | 865 |
| Earnings coverage of net charge-offs (x) | 36.6256% | 1,201 |
| Efficiency ratio | 72.6177% | 3,074 |
| Assets per employee ($millions) | 4.1295% | 3,601 |
| Cash dividends to net income (ytd only)* | 56.7007% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7444% | 1,842 |
| Loan loss allowance to noncurrent loans | 222.7086% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.6435% | 3,907 |
| Noncurrent loans to loans | 0.7833% | 3,622 |
| Net loans and leases to total assets | 80.7265% | 638 |
| Net loans and leases to deposits | 93.8143% | 1,058 |
| Net loans and leases to core deposits | 96.2979% | 1,652 |
| Total domestic deposits to total assets | 86.0493% | 2,822 |
| Equity capital to assets | 10.0000% | 4,165 |
| Core capital (leverage) ratio | 10.0070% | 3,675 |
| Tier 1 risk-based capital ratio | 12.8507% | 4,950 |
| Total risk-based capital ratio | 14.1077% | 4,869 |
| Memoranda: | ||
| Average total assets | $829,421,250 | 817 |
| Average earning assets | $768,412,250 | 794 |
| Average equity | $81,103,000 | 905 |
| Average total loans | $664,107,500 | 652 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3892% | 2,210 |
| Cost of funding earning assets | 0.4631% | 3,185 |
| Net interest margin | 3.9261% | 2,062 |
| Noninterest income to average assets | 0.7315% | 2,139 |
| Noninterest expense to average assets | 3.3248% | 1,857 |
| Loan and lease loss provision to assets | 0.0792% | 2,703 |
| Net operating income to assets | 0.6941% | 3,876 |
| Return on assets (ROA) | 0.6941% | 3,964 |
| Pretax return on assets | 0.9608% | 3,641 |
| Return on Equity (ROE) | 7.1528% | 3,549 |
| Retained earnings to average equity (ytd only) | 3.9063% | 3,696 |
| Net charge-offs to loans | 0.0941% | 2,733 |
| Credit loss provision to net charge-offs | 106.1489% | 1,888 |
| Earnings coverage of net charge-offs (x) | 13.9320% | 1,945 |
| Efficiency ratio | 75.7237% | 2,685 |
| Assets per employee ($millions) | 4.0477% | 3,740 |
| Cash dividends to net income (ytd only)* | 45.3881% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7368% | 2,017 |
| Loan loss allowance to noncurrent loans | 212.6223% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.6595% | 4,009 |
| Noncurrent loans to loans | 0.8169% | 3,665 |
| Net loans and leases to total assets | 79.3345% | 763 |
| Net loans and leases to deposits | 91.4630% | 1,222 |
| Net loans and leases to core deposits | 93.2400% | 1,844 |
| Total domestic deposits to total assets | 86.7394% | 2,615 |
| Equity capital to assets | 10.0696% | 4,009 |
| Core capital (leverage) ratio | 10.0414% | 3,553 |
| Tier 1 risk-based capital ratio | 13.0974% | 4,854 |
| Total risk-based capital ratio | 14.3544% | 4,779 |
| Memoranda: | ||
| Average total assets | $827,843,000 | 826 |
| Average earning assets | $766,104,670 | 799 |
| Average equity | $80,332,000 | 911 |
| Average total loans | $657,030,000 | 652 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2673% | 2,642 |
| Cost of funding earning assets | 0.4636% | 3,277 |
| Net interest margin | 3.8037% | 2,462 |
| Noninterest income to average assets | 0.6792% | 2,289 |
| Noninterest expense to average assets | 3.1127% | 2,486 |
| Loan and lease loss provision to assets | 0.0737% | 2,665 |
| Net operating income to assets | 0.7327% | 3,531 |
| Return on assets (ROA) | 0.7327% | 3,610 |
| Pretax return on assets | 1.0196% | 3,257 |
| Return on Equity (ROE) | 7.6939% | 3,093 |
| Retained earnings to average equity (ytd only) | 1.1020% | 5,162 |
| Net charge-offs to loans | -0.0477% | 5,785 |
| Credit loss provision to net charge-offs | -196.1538% | 4,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5378% | 3,224 |
| Assets per employee ($millions) | 4.0869% | 3,745 |
| Cash dividends to net income (ytd only)* | 85.6767% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7760% | 2,115 |
| Loan loss allowance to noncurrent loans | 226.0451% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.6196% | 4,265 |
| Noncurrent loans to loans | 0.7857% | 3,902 |
| Net loans and leases to total assets | 77.4584% | 825 |
| Net loans and leases to deposits | 89.2591% | 1,227 |
| Net loans and leases to core deposits | 90.9533% | 1,831 |
| Total domestic deposits to total assets | 86.7792% | 2,948 |
| Equity capital to assets | 9.6126% | 4,336 |
| Core capital (leverage) ratio | 9.7228% | 3,966 |
| Tier 1 risk-based capital ratio | 12.9521% | 5,030 |
| Total risk-based capital ratio | 14.2097% | 4,963 |
| Memoranda: | ||
| Average total assets | $830,923,500 | 821 |
| Average earning assets | $770,415,500 | 803 |
| Average equity | $79,128,000 | 925 |
| Average total loans | $653,845,500 | 659 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2830% | 3,025 |
| Cost of funding earning assets | 0.5187% | 3,408 |
| Net interest margin | 3.7643% | 2,789 |
| Noninterest income to average assets | 0.6730% | 2,688 |
| Noninterest expense to average assets | 3.0515% | 2,894 |
| Loan and lease loss provision to assets | 0.1895% | 1,944 |
| Net operating income to assets | 0.8094% | 3,245 |
| Return on assets (ROA) | 0.8094% | 3,344 |
| Pretax return on assets | 0.9352% | 3,618 |
| Return on Equity (ROE) | 8.7449% | 2,677 |
| Retained earnings to average equity (ytd only) | 7.2847% | 1,324 |
| Net charge-offs to loans | -0.0379% | 6,271 |
| Credit loss provision to net charge-offs | -666.6667% | 6,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4176% | 3,396 |
| Assets per employee ($millions) | 4.0996% | 3,653 |
| Cash dividends to net income (ytd only)* | 16.6971% | 3,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7779% | 2,134 |
| Loan loss allowance to noncurrent loans | 84.0494% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 1.6609% | 2,226 |
| Noncurrent loans to loans | 2.1153% | 1,866 |
| Net loans and leases to total assets | 77.1203% | 937 |
| Net loans and leases to deposits | 89.0264% | 1,341 |
| Net loans and leases to core deposits | 90.7886% | 1,928 |
| Total domestic deposits to total assets | 86.6263% | 2,925 |
| Equity capital to assets | 9.4317% | 4,515 |
| Core capital (leverage) ratio | 9.6211% | 4,088 |
| Tier 1 risk-based capital ratio | 12.6786% | 5,186 |
| Total risk-based capital ratio | 13.9355% | 5,128 |
| Memoranda: | ||
| Average total assets | $812,476,200 | 818 |
| Average earning assets | $756,130,800 | 793 |
| Average equity | $75,198,200 | 952 |
| Average total loans | $610,262,200 | 685 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2583% | 3,161 |
| Cost of funding earning assets | 0.5287% | 3,478 |
| Net interest margin | 3.7295% | 2,923 |
| Noninterest income to average assets | 0.6413% | 2,921 |
| Noninterest expense to average assets | 3.0026% | 2,984 |
| Loan and lease loss provision to assets | 0.2148% | 1,698 |
| Net operating income to assets | 0.8480% | 3,109 |
| Return on assets (ROA) | 0.8480% | 3,223 |
| Pretax return on assets | 0.8972% | 3,901 |
| Return on Equity (ROE) | 9.2066% | 2,535 |
| Retained earnings to average equity (ytd only) | 7.2541% | 1,770 |
| Net charge-offs to loans | 0.0324% | 4,485 |
| Credit loss provision to net charge-offs | 893.1507% | 341 |
| Earnings coverage of net charge-offs (x) | 46.2470% | 908 |
| Efficiency ratio | 72.2542% | 3,355 |
| Assets per employee ($millions) | 4.1744% | 3,479 |
| Cash dividends to net income (ytd only)* | 21.2080% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7409% | 2,483 |
| Loan loss allowance to noncurrent loans | 76.4211% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.7417% | 2,354 |
| Noncurrent loans to loans | 2.2780% | 1,925 |
| Net loans and leases to total assets | 75.1261% | 1,121 |
| Net loans and leases to deposits | 86.6731% | 1,530 |
| Net loans and leases to core deposits | 88.5248% | 2,126 |
| Total domestic deposits to total assets | 86.6775% | 2,872 |
| Equity capital to assets | 9.2771% | 4,829 |
| Core capital (leverage) ratio | 9.4581% | 4,462 |
| Tier 1 risk-based capital ratio | 12.8732% | 5,211 |
| Total risk-based capital ratio | 14.1301% | 5,144 |
| Memoranda: | ||
| Average total assets | $809,588,250 | 828 |
| Average earning assets | $753,964,250 | 807 |
| Average equity | $74,567,750 | 970 |
| Average total loans | $601,078,750 | 696 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2304% | 3,238 |
| Cost of funding earning assets | 0.5474% | 3,447 |
| Net interest margin | 3.6830% | 3,025 |
| Noninterest income to average assets | 0.7517% | 2,404 |
| Noninterest expense to average assets | 2.9884% | 3,037 |
| Loan and lease loss provision to assets | 0.1314% | 2,675 |
| Net operating income to assets | 0.7487% | 3,576 |
| Return on assets (ROA) | 0.7487% | 3,725 |
| Pretax return on assets | 1.0745% | 3,194 |
| Return on Equity (ROE) | 8.1487% | 3,014 |
| Retained earnings to average equity (ytd only) | 8.1487% | 1,421 |
| Net charge-offs to loans | 0.0010% | 4,901 |
| Credit loss provision to net charge-offs | 17,666.6667% | 16 |
| Earnings coverage of net charge-offs (x) | 1,621.3333% | 15 |
| Efficiency ratio | 70.5107% | 3,736 |
| Assets per employee ($millions) | 4.2921% | 3,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6879% | 2,821 |
| Loan loss allowance to noncurrent loans | 76.2354% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 1.6677% | 2,607 |
| Noncurrent loans to loans | 2.2141% | 2,156 |
| Net loans and leases to total assets | 74.0494% | 1,239 |
| Net loans and leases to deposits | 85.5795% | 1,610 |
| Net loans and leases to core deposits | 87.3885% | 2,184 |
| Total domestic deposits to total assets | 86.5271% | 3,103 |
| Equity capital to assets | 9.2790% | 4,889 |
| Core capital (leverage) ratio | 9.3945% | 4,397 |
| Tier 1 risk-based capital ratio | 13.2533% | 4,958 |
| Total risk-based capital ratio | 14.5096% | 4,892 |
| Memoranda: | ||
| Average total assets | $806,725,000 | 829 |
| Average earning assets | $754,060,000 | 802 |
| Average equity | $74,122,670 | 979 |
| Average total loans | $592,920,000 | 704 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2198% | 3,215 |
| Cost of funding earning assets | 0.5845% | 3,259 |
| Net interest margin | 3.6353% | 3,123 |
| Noninterest income to average assets | 0.6952% | 2,614 |
| Noninterest expense to average assets | 2.9287% | 3,237 |
| Loan and lease loss provision to assets | 0.2232% | 1,650 |
| Net operating income to assets | 0.6799% | 3,784 |
| Return on assets (ROA) | 0.6799% | 3,939 |
| Pretax return on assets | 0.9422% | 3,604 |
| Return on Equity (ROE) | 7.4362% | 3,247 |
| Retained earnings to average equity (ytd only) | 7.4362% | 1,970 |
| Net charge-offs to loans | 0.0198% | 3,762 |
| Credit loss provision to net charge-offs | 1,551.7241% | 202 |
| Earnings coverage of net charge-offs (x) | 81.0345% | 459 |
| Efficiency ratio | 70.7728% | 3,829 |
| Assets per employee ($millions) | 3.4331% | 5,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7264% | 2,895 |
| Loan loss allowance to noncurrent loans | 124.0591% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 1.0058% | 3,911 |
| Noncurrent loans to loans | 1.3916% | 3,480 |
| Net loans and leases to total assets | 71.0302% | 1,514 |
| Net loans and leases to deposits | 82.1150% | 1,812 |
| Net loans and leases to core deposits | 83.6448% | 2,364 |
| Total domestic deposits to total assets | 86.5009% | 3,230 |
| Equity capital to assets | 9.1389% | 5,325 |
| Core capital (leverage) ratio | 9.2436% | 4,489 |
| Tier 1 risk-based capital ratio | 13.1237% | 5,126 |
| Total risk-based capital ratio | 14.3804% | 5,073 |
| Memoranda: | ||
| Average total assets | $806,627,000 | 830 |
| Average earning assets | $754,166,500 | 814 |
| Average equity | $73,747,000 | 988 |
| Average total loans | $585,490,500 | 713 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6463% | 2,815 |
| Cost of funding earning assets | 0.7619% | 2,993 |
| Net interest margin | 3.8844% | 2,897 |
| Noninterest income to average assets | 0.7596% | 2,450 |
| Noninterest expense to average assets | 3.0949% | 2,938 |
| Loan and lease loss provision to assets | -0.0088% | 6,819 |
| Net operating income to assets | 0.9027% | 2,804 |
| Return on assets (ROA) | 0.9028% | 3,040 |
| Pretax return on assets | 1.2928% | 2,440 |
| Return on Equity (ROE) | 9.8112% | 2,250 |
| Retained earnings to average equity (ytd only) | 5.8281% | 2,176 |
| Net charge-offs to loans | 0.2880% | 3,220 |
| Credit loss provision to net charge-offs | -4.0118% | 6,203 |
| Earnings coverage of net charge-offs (x) | 5.8401% | 2,935 |
| Efficiency ratio | 70.6792% | 3,676 |
| Assets per employee ($millions) | 4.3222% | 3,305 |
| Cash dividends to net income (ytd only)* | 40.5976% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6696% | 3,041 |
| Loan loss allowance to noncurrent loans | 118.2647% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 1.0291% | 3,977 |
| Noncurrent loans to loans | 1.4117% | 3,480 |
| Net loans and leases to total assets | 71.6803% | 1,535 |
| Net loans and leases to deposits | 83.8690% | 1,768 |
| Net loans and leases to core deposits | 85.5502% | 2,367 |
| Total domestic deposits to total assets | 85.4670% | 3,630 |
| Equity capital to assets | 9.1465% | 5,342 |
| Core capital (leverage) ratio | 9.1219% | 4,703 |
| Tier 1 risk-based capital ratio | 12.6174% | 5,383 |
| Total risk-based capital ratio | 13.8730% | 5,331 |
| Memoranda: | ||
| Average total assets | $771,022,400 | 861 |
| Average earning assets | $718,357,000 | 832 |
| Average equity | $70,949,200 | 993 |
| Average total loans | $588,508,000 | 701 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6805% | 2,888 |
| Cost of funding earning assets | 0.7865% | 3,062 |
| Net interest margin | 3.8941% | 2,932 |
| Noninterest income to average assets | 0.7296% | 2,574 |
| Noninterest expense to average assets | 3.1078% | 2,865 |
| Loan and lease loss provision to assets | 0.0108% | 5,673 |
| Net operating income to assets | 0.8905% | 3,033 |
| Return on assets (ROA) | 0.8905% | 3,264 |
| Pretax return on assets | 1.2365% | 2,840 |
| Return on Equity (ROE) | 9.6623% | 2,517 |
| Retained earnings to average equity (ytd only) | 6.2117% | 2,558 |
| Net charge-offs to loans | 0.3049% | 2,912 |
| Credit loss provision to net charge-offs | 4.5960% | 5,132 |
| Earnings coverage of net charge-offs (x) | 5.2973% | 3,055 |
| Efficiency ratio | 71.3599% | 3,437 |
| Assets per employee ($millions) | 4.3156% | 3,241 |
| Cash dividends to net income (ytd only)* | 35.7114% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7053% | 3,131 |
| Loan loss allowance to noncurrent loans | 108.4227% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 1.1921% | 3,905 |
| Noncurrent loans to loans | 1.5728% | 3,431 |
| Net loans and leases to total assets | 74.5055% | 1,171 |
| Net loans and leases to deposits | 86.9566% | 1,490 |
| Net loans and leases to core deposits | 88.4631% | 2,159 |
| Total domestic deposits to total assets | 85.6813% | 3,426 |
| Equity capital to assets | 9.1872% | 5,608 |
| Core capital (leverage) ratio | 9.1684% | 4,807 |
| Tier 1 risk-based capital ratio | 12.2354% | 5,810 |
| Total risk-based capital ratio | 13.4914% | 5,781 |
| Memoranda: | ||
| Average total assets | $763,875,500 | 880 |
| Average earning assets | $711,186,750 | 851 |
| Average equity | $70,402,500 | 1,004 |
| Average total loans | $589,911,250 | 699 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7418% | 2,750 |
| Cost of funding earning assets | 0.8147% | 3,077 |
| Net interest margin | 3.9271% | 2,806 |
| Noninterest income to average assets | 0.7251% | 2,530 |
| Noninterest expense to average assets | 3.1055% | 2,913 |
| Loan and lease loss provision to assets | 0.0138% | 5,492 |
| Net operating income to assets | 0.8610% | 3,082 |
| Return on assets (ROA) | 0.8612% | 3,349 |
| Pretax return on assets | 1.2592% | 2,695 |
| Return on Equity (ROE) | 9.3335% | 2,657 |
| Retained earnings to average equity (ytd only) | 6.7274% | 2,256 |
| Net charge-offs to loans | 0.3029% | 2,817 |
| Credit loss provision to net charge-offs | 5.8493% | 4,773 |
| Earnings coverage of net charge-offs (x) | 5.4061% | 2,845 |
| Efficiency ratio | 70.9309% | 3,611 |
| Assets per employee ($millions) | 3.2717% | 5,510 |
| Cash dividends to net income (ytd only)* | 27.9213% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7825% | 2,913 |
| Loan loss allowance to noncurrent loans | 96.8293% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 1.4316% | 3,567 |
| Noncurrent loans to loans | 1.8409% | 3,165 |
| Net loans and leases to total assets | 76.3827% | 920 |
| Net loans and leases to deposits | 89.4103% | 1,206 |
| Net loans and leases to core deposits | 91.1548% | 1,855 |
| Total domestic deposits to total assets | 85.4293% | 3,653 |
| Equity capital to assets | 9.2530% | 5,392 |
| Core capital (leverage) ratio | 9.1544% | 4,680 |
| Tier 1 risk-based capital ratio | 12.1697% | 5,819 |
| Total risk-based capital ratio | 13.4077% | 5,803 |
| Memoranda: | ||
| Average total assets | $755,250,000 | 886 |
| Average earning assets | $702,559,330 | 862 |
| Average equity | $69,684,670 | 1,007 |
| Average total loans | $587,009,330 | 700 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8092% | 2,603 |
| Cost of funding earning assets | 0.8533% | 3,036 |
| Net interest margin | 3.9558% | 2,686 |
| Noninterest income to average assets | 0.7161% | 2,569 |
| Noninterest expense to average assets | 3.0281% | 3,163 |
| Loan and lease loss provision to assets | -0.1331% | 7,196 |
| Net operating income to assets | 1.0502% | 2,288 |
| Return on assets (ROA) | 1.0502% | 2,476 |
| Pretax return on assets | 1.5002% | 1,867 |
| Return on Equity (ROE) | 11.3985% | 1,869 |
| Retained earnings to average equity (ytd only) | 6.1314% | 2,885 |
| Net charge-offs to loans | 0.3136% | 2,393 |
| Credit loss provision to net charge-offs | -54.6053% | 5,427 |
| Earnings coverage of net charge-offs (x) | 5.6096% | 2,328 |
| Efficiency ratio | 68.8959% | 3,998 |
| Assets per employee ($millions) | 4.0745% | 3,850 |
| Cash dividends to net income (ytd only)* | 46.2087% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8613% | 2,805 |
| Loan loss allowance to noncurrent loans | 82.8725% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 1.6997% | 3,310 |
| Noncurrent loans to loans | 2.2460% | 2,867 |
| Net loans and leases to total assets | 74.2692% | 1,020 |
| Net loans and leases to deposits | 87.0832% | 1,279 |
| Net loans and leases to core deposits | 88.8933% | 1,966 |
| Total domestic deposits to total assets | 85.2853% | 3,885 |
| Equity capital to assets | 9.0708% | 5,401 |
| Core capital (leverage) ratio | 9.2605% | 4,424 |
| Tier 1 risk-based capital ratio | 12.3363% | 5,728 |
| Total risk-based capital ratio | 13.5946% | 5,686 |
| Memoranda: | ||
| Average total assets | $748,452,000 | 896 |
| Average earning assets | $696,083,500 | 872 |
| Average equity | $68,956,500 | 1,015 |
| Average total loans | $581,552,500 | 711 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0588% | 2,612 |
| Cost of funding earning assets | 1.0217% | 3,227 |
| Net interest margin | 4.0372% | 2,695 |
| Noninterest income to average assets | 0.7874% | 2,131 |
| Noninterest expense to average assets | 3.1271% | 3,105 |
| Loan and lease loss provision to assets | 0.3554% | 2,872 |
| Net operating income to assets | 0.7487% | 3,266 |
| Return on assets (ROA) | 0.7513% | 3,423 |
| Pretax return on assets | 1.0436% | 3,060 |
| Return on Equity (ROE) | 7.9648% | 2,924 |
| Retained earnings to average equity (ytd only) | 5.4746% | 2,317 |
| Net charge-offs to loans | 0.2565% | 4,175 |
| Credit loss provision to net charge-offs | 175.7962% | 1,494 |
| Earnings coverage of net charge-offs (x) | 6.9023% | 2,430 |
| Efficiency ratio | 69.1478% | 4,119 |
| Assets per employee ($millions) | 3.0202% | 6,037 |
| Cash dividends to net income (ytd only)* | 31.2643% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9703% | 2,370 |
| Loan loss allowance to noncurrent loans | 75.7346% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 2.0766% | 2,869 |
| Noncurrent loans to loans | 2.6016% | 2,512 |
| Net loans and leases to total assets | 78.2481% | 684 |
| Net loans and leases to deposits | 92.4290% | 934 |
| Net loans and leases to core deposits | 94.4092% | 1,648 |
| Total domestic deposits to total assets | 84.6575% | 4,015 |
| Equity capital to assets | 9.3625% | 5,071 |
| Core capital (leverage) ratio | 9.2925% | 4,344 |
| Tier 1 risk-based capital ratio | 12.2368% | 5,656 |
| Total risk-based capital ratio | 13.4969% | 5,623 |
| Memoranda: | ||
| Average total assets | $699,028,400 | 933 |
| Average earning assets | $646,689,400 | 917 |
| Average equity | $65,940,400 | 1,021 |
| Average total loans | $550,816,200 | 767 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0516% | 2,834 |
| Cost of funding earning assets | 1.0462% | 3,347 |
| Net interest margin | 4.0055% | 2,894 |
| Noninterest income to average assets | 0.7727% | 2,186 |
| Noninterest expense to average assets | 3.0993% | 3,164 |
| Loan and lease loss provision to assets | 0.3195% | 2,981 |
| Net operating income to assets | 0.7560% | 3,359 |
| Return on assets (ROA) | 0.7596% | 3,504 |
| Pretax return on assets | 1.0606% | 3,165 |
| Return on Equity (ROE) | 8.0364% | 3,025 |
| Retained earnings to average equity (ytd only) | 4.6928% | 3,385 |
| Net charge-offs to loans | 0.3371% | 3,405 |
| Credit loss provision to net charge-offs | 120.6997% | 2,689 |
| Earnings coverage of net charge-offs (x) | 5.1946% | 2,854 |
| Efficiency ratio | 69.2683% | 4,081 |
| Assets per employee ($millions) | 3.7250% | 4,479 |
| Cash dividends to net income (ytd only)* | 41.6054% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8833% | 2,664 |
| Loan loss allowance to noncurrent loans | 69.8409% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 2.1216% | 3,006 |
| Noncurrent loans to loans | 2.6966% | 2,591 |
| Net loans and leases to total assets | 77.1970% | 815 |
| Net loans and leases to deposits | 90.6719% | 1,139 |
| Net loans and leases to core deposits | 93.0524% | 1,881 |
| Total domestic deposits to total assets | 85.1388% | 3,704 |
| Equity capital to assets | 9.3634% | 5,282 |
| Core capital (leverage) ratio | 9.4018% | 4,304 |
| Tier 1 risk-based capital ratio | 12.1367% | 5,789 |
| Total risk-based capital ratio | 13.3955% | 5,775 |
| Memoranda: | ||
| Average total assets | $691,062,250 | 952 |
| Average earning assets | $638,640,500 | 935 |
| Average equity | $65,318,000 | 1,035 |
| Average total loans | $542,669,000 | 785 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1017% | 2,673 |
| Cost of funding earning assets | 1.0778% | 3,405 |
| Net interest margin | 4.0239% | 2,718 |
| Noninterest income to average assets | 0.7923% | 2,060 |
| Noninterest expense to average assets | 3.1234% | 3,167 |
| Loan and lease loss provision to assets | 0.4400% | 2,236 |
| Net operating income to assets | 0.6756% | 3,662 |
| Return on assets (ROA) | 0.6756% | 3,780 |
| Pretax return on assets | 0.9443% | 3,460 |
| Return on Equity (ROE) | 7.1247% | 3,389 |
| Retained earnings to average equity (ytd only) | 4.5959% | 3,264 |
| Net charge-offs to loans | 0.4696% | 2,703 |
| Credit loss provision to net charge-offs | 119.3780% | 2,565 |
| Earnings coverage of net charge-offs (x) | 3.7560% | 3,060 |
| Efficiency ratio | 69.2920% | 4,264 |
| Assets per employee ($millions) | 3.9558% | 3,851 |
| Cash dividends to net income (ytd only)* | 35.4937% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9663% | 2,463 |
| Loan loss allowance to noncurrent loans | 83.4860% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 1.8457% | 3,445 |
| Noncurrent loans to loans | 2.3552% | 3,037 |
| Net loans and leases to total assets | 76.8243% | 943 |
| Net loans and leases to deposits | 90.3868% | 1,228 |
| Net loans and leases to core deposits | 94.0637% | 1,887 |
| Total domestic deposits to total assets | 84.9950% | 3,880 |
| Equity capital to assets | 9.5432% | 4,743 |
| Core capital (leverage) ratio | 9.4437% | 4,037 |
| Tier 1 risk-based capital ratio | 12.5455% | 5,298 |
| Total risk-based capital ratio | 13.8052% | 5,268 |
| Memoranda: | ||
| Average total assets | $680,531,670 | 974 |
| Average earning assets | $628,338,000 | 956 |
| Average equity | $64,535,670 | 1,046 |
| Average total loans | $534,033,670 | 800 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1546% | 2,411 |
| Cost of funding earning assets | 1.0851% | 3,620 |
| Net interest margin | 4.0695% | 2,393 |
| Noninterest income to average assets | 0.8128% | 1,979 |
| Noninterest expense to average assets | 3.1310% | 3,136 |
| Loan and lease loss provision to assets | 0.2893% | 2,835 |
| Net operating income to assets | 0.8437% | 2,806 |
| Return on assets (ROA) | 0.8437% | 2,864 |
| Pretax return on assets | 1.1437% | 2,592 |
| Return on Equity (ROE) | 8.9256% | 2,506 |
| Retained earnings to average equity (ytd only) | 3.8073% | 3,888 |
| Net charge-offs to loans | 0.3246% | 2,760 |
| Credit loss provision to net charge-offs | 113.4884% | 2,366 |
| Earnings coverage of net charge-offs (x) | 5.6209% | 2,241 |
| Efficiency ratio | 68.6022% | 4,536 |
| Assets per employee ($millions) | 3.8911% | 4,093 |
| Cash dividends to net income (ytd only)* | 57.3436% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9717% | 2,490 |
| Loan loss allowance to noncurrent loans | 75.5079% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 2.0156% | 3,303 |
| Noncurrent loans to loans | 2.6112% | 2,888 |
| Net loans and leases to total assets | 75.6682% | 1,078 |
| Net loans and leases to deposits | 88.8465% | 1,372 |
| Net loans and leases to core deposits | 93.2066% | 1,986 |
| Total domestic deposits to total assets | 85.1673% | 3,962 |
| Equity capital to assets | 9.3186% | 4,697 |
| Core capital (leverage) ratio | 9.5522% | 3,720 |
| Tier 1 risk-based capital ratio | 12.5353% | 5,234 |
| Total risk-based capital ratio | 13.7950% | 5,202 |
| Memoranda: | ||
| Average total assets | $674,665,500 | 995 |
| Average earning assets | $621,893,500 | 974 |
| Average equity | $63,771,500 | 1,052 |
| Average total loans | $529,803,500 | 816 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3495% | 2,898 |
| Cost of funding earning assets | 1.1475% | 4,866 |
| Net interest margin | 4.2020% | 2,178 |
| Noninterest income to average assets | 0.8842% | 1,913 |
| Noninterest expense to average assets | 3.2208% | 3,009 |
| Loan and lease loss provision to assets | 0.6187% | 2,660 |
| Net operating income to assets | 0.6410% | 3,484 |
| Return on assets (ROA) | 0.6417% | 3,630 |
| Pretax return on assets | 0.9189% | 3,207 |
| Return on Equity (ROE) | 7.2427% | 3,009 |
| Retained earnings to average equity (ytd only) | 4.7895% | 2,550 |
| Net charge-offs to loans | 0.0968% | 5,883 |
| Credit loss provision to net charge-offs | 806.1350% | 270 |
| Earnings coverage of net charge-offs (x) | 20.0204% | 1,029 |
| Efficiency ratio | 66.4984% | 4,868 |
| Assets per employee ($millions) | 3.8407% | 4,147 |
| Cash dividends to net income (ytd only)* | 33.8714% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9743% | 2,369 |
| Loan loss allowance to noncurrent loans | 74.8420% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 2.1084% | 3,207 |
| Noncurrent loans to loans | 2.6380% | 2,881 |
| Net loans and leases to total assets | 78.3456% | 890 |
| Net loans and leases to deposits | 94.8820% | 973 |
| Net loans and leases to core deposits | 99.8917% | 1,626 |
| Total domestic deposits to total assets | 82.5716% | 4,983 |
| Equity capital to assets | 9.5917% | 4,283 |
| Core capital (leverage) ratio | 9.7272% | 3,403 |
| Tier 1 risk-based capital ratio | 12.7504% | 4,821 |
| Total risk-based capital ratio | 14.0108% | 4,778 |
| Memoranda: | ||
| Average total assets | $637,178,400 | 1,050 |
| Average earning assets | $587,289,600 | 1,029 |
| Average equity | $56,456,600 | 1,175 |
| Average total loans | $504,955,200 | 889 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3978% | 2,896 |
| Cost of funding earning assets | 1.1477% | 5,165 |
| Net interest margin | 4.2502% | 2,032 |
| Noninterest income to average assets | 0.8758% | 1,888 |
| Noninterest expense to average assets | 3.2219% | 2,851 |
| Loan and lease loss provision to assets | 0.5354% | 2,796 |
| Net operating income to assets | 0.7497% | 3,212 |
| Return on assets (ROA) | 0.7506% | 3,372 |
| Pretax return on assets | 1.0397% | 3,028 |
| Return on Equity (ROE) | 8.6580% | 2,624 |
| Retained earnings to average equity (ytd only) | 5.2986% | 2,776 |
| Net charge-offs to loans | 0.1087% | 5,447 |
| Credit loss provision to net charge-offs | 622.8501% | 473 |
| Earnings coverage of net charge-offs (x) | 18.3097% | 1,270 |
| Efficiency ratio | 65.9812% | 4,860 |
| Assets per employee ($millions) | 3.7644% | 4,356 |
| Cash dividends to net income (ytd only)* | 38.8013% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8033% | 2,778 |
| Loan loss allowance to noncurrent loans | 91.8627% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 1.5298% | 4,155 |
| Noncurrent loans to loans | 1.9630% | 3,730 |
| Net loans and leases to total assets | 76.5261% | 1,306 |
| Net loans and leases to deposits | 92.3193% | 1,405 |
| Net loans and leases to core deposits | 97.0423% | 2,142 |
| Total domestic deposits to total assets | 82.8928% | 4,633 |
| Equity capital to assets | 9.9115% | 4,275 |
| Core capital (leverage) ratio | 9.7822% | 3,512 |
| Tier 1 risk-based capital ratio | 12.9819% | 4,594 |
| Total risk-based capital ratio | 14.2397% | 4,559 |
| Memoranda: | ||
| Average total assets | $631,322,000 | 1,065 |
| Average earning assets | $582,269,500 | 1,041 |
| Average equity | $54,730,000 | 1,221 |
| Average total loans | $499,199,500 | 900 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3942% | 2,996 |
| Cost of funding earning assets | 1.1439% | 5,445 |
| Net interest margin | 4.2504% | 1,961 |
| Noninterest income to average assets | 0.8943% | 1,711 |
| Noninterest expense to average assets | 3.2473% | 2,738 |
| Loan and lease loss provision to assets | 0.4866% | 2,862 |
| Net operating income to assets | 0.7978% | 2,988 |
| Return on assets (ROA) | 0.7994% | 3,117 |
| Pretax return on assets | 1.0854% | 2,825 |
| Return on Equity (ROE) | 9.7011% | 2,211 |
| Retained earnings to average equity (ytd only) | 9.7011% | 915 |
| Net charge-offs to loans | 0.0760% | 5,382 |
| Credit loss provision to net charge-offs | 805.8201% | 460 |
| Earnings coverage of net charge-offs (x) | 25.9947% | 1,016 |
| Efficiency ratio | 66.2046% | 4,948 |
| Assets per employee ($millions) | 3.8260% | 4,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6511% | 3,246 |
| Loan loss allowance to noncurrent loans | 78.8549% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 1.6288% | 4,001 |
| Noncurrent loans to loans | 2.0938% | 3,595 |
| Net loans and leases to total assets | 76.5082% | 1,389 |
| Net loans and leases to deposits | 92.2045% | 1,494 |
| Net loans and leases to core deposits | 99.9243% | 2,024 |
| Total domestic deposits to total assets | 82.9766% | 4,588 |
| Equity capital to assets | 9.6875% | 4,416 |
| Core capital (leverage) ratio | 9.8976% | 3,286 |
| Tier 1 risk-based capital ratio | 12.7262% | 4,665 |
| Total risk-based capital ratio | 13.9819% | 4,627 |
| Memoranda: | ||
| Average total assets | $625,937,000 | 1,078 |
| Average earning assets | $577,690,000 | 1,060 |
| Average equity | $51,581,670 | 1,291 |
| Average total loans | $497,403,330 | 915 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4601% | 2,779 |
| Cost of funding earning assets | 1.1405% | 5,699 |
| Net interest margin | 4.3196% | 1,633 |
| Noninterest income to average assets | 0.9500% | 1,452 |
| Noninterest expense to average assets | 3.2339% | 2,746 |
| Loan and lease loss provision to assets | 0.7888% | 1,604 |
| Net operating income to assets | 0.6552% | 3,635 |
| Return on assets (ROA) | 0.6524% | 3,774 |
| Pretax return on assets | 0.9051% | 3,452 |
| Return on Equity (ROE) | 8.7204% | 2,584 |
| Retained earnings to average equity (ytd only) | 8.7204% | 1,476 |
| Net charge-offs to loans | 0.0121% | 5,413 |
| Credit loss provision to net charge-offs | 8,093.3333% | 53 |
| Earnings coverage of net charge-offs (x) | 174.2000% | 195 |
| Efficiency ratio | 64.3742% | 5,416 |
| Assets per employee ($millions) | 2.7834% | 6,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6352% | 3,308 |
| Loan loss allowance to noncurrent loans | 71.8368% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 1.8241% | 3,749 |
| Noncurrent loans to loans | 2.2763% | 3,425 |
| Net loans and leases to total assets | 78.8263% | 1,003 |
| Net loans and leases to deposits | 95.8850% | 1,120 |
| Net loans and leases to core deposits | 102.3165% | 1,868 |
| Total domestic deposits to total assets | 82.2092% | 4,974 |
| Equity capital to assets | 7.5088% | 7,070 |
| Core capital (leverage) ratio | 7.6232% | 6,707 |
| Tier 1 risk-based capital ratio | 9.7426% | 7,185 |
| Total risk-based capital ratio | 10.9982% | 7,181 |
| Memoranda: | ||
| Average total assets | $615,606,000 | 1,115 |
| Average earning assets | $567,460,500 | 1,103 |
| Average equity | $46,053,000 | 1,462 |
| Average total loans | $494,602,000 | 946 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9347% | 2,105 |
| Cost of funding earning assets | 1.5407% | 5,334 |
| Net interest margin | 4.3940% | 1,450 |
| Noninterest income to average assets | 1.2204% | 1,021 |
| Noninterest expense to average assets | 3.6754% | 1,967 |
| Loan and lease loss provision to assets | 1.8685% | 1,198 |
| Net operating income to assets | -0.0567% | 5,597 |
| Return on assets (ROA) | -0.0546% | 5,617 |
| Pretax return on assets | -0.2755% | 5,810 |
| Return on Equity (ROE) | -0.7019% | 5,657 |
| Retained earnings to average equity (ytd only) | -4.5911% | 5,970 |
| Net charge-offs to loans | 2.1659% | 1,112 |
| Credit loss provision to net charge-offs | 109.1930% | 5,057 |
| Earnings coverage of net charge-offs (x) | 0.9291% | 5,183 |
| Efficiency ratio | 61.8663% | 6,175 |
| Assets per employee ($millions) | 3.6832% | 4,555 |
| Cash dividends to net income (ytd only)* | -554.0717% | 7,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4239% | 4,104 |
| Loan loss allowance to noncurrent loans | 51.0808% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 2.2538% | 3,062 |
| Noncurrent loans to loans | 2.7876% | 2,770 |
| Net loans and leases to total assets | 79.4095% | 1,117 |
| Net loans and leases to deposits | 96.3873% | 1,282 |
| Net loans and leases to core deposits | 108.7704% | 3,026 |
| Total domestic deposits to total assets | 82.3858% | 4,779 |
| Equity capital to assets | 7.4523% | 7,072 |
| Core capital (leverage) ratio | 7.4725% | 6,815 |
| Tier 1 risk-based capital ratio | 9.4901% | 7,236 |
| Total risk-based capital ratio | 10.7427% | 7,206 |
| Memoranda: | ||
| Average total assets | $561,944,800 | 1,234 |
| Average earning assets | $517,300,600 | 1,224 |
| Average equity | $43,736,400 | 1,530 |
| Average total loans | $443,980,800 | 1,080 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0008% | 2,038 |
| Cost of funding earning assets | 1.6245% | 5,287 |
| Net interest margin | 4.3763% | 1,506 |
| Noninterest income to average assets | 1.3052% | 912 |
| Noninterest expense to average assets | 3.7551% | 1,695 |
| Loan and lease loss provision to assets | 2.3210% | 732 |
| Net operating income to assets | -0.3895% | 6,302 |
| Return on assets (ROA) | -0.3870% | 6,298 |
| Pretax return on assets | -0.7368% | 6,509 |
| Return on Equity (ROE) | -4.9151% | 6,442 |
| Retained earnings to average equity (ytd only) | -10.1286% | 6,816 |
| Net charge-offs to loans | 2.9610% | 574 |
| Credit loss provision to net charge-offs | 99.7502% | 5,131 |
| Earnings coverage of net charge-offs (x) | 0.6792% | 5,355 |
| Efficiency ratio | 60.2615% | 6,378 |
| Assets per employee ($millions) | 2.7333% | 6,775 |
| Cash dividends to net income (ytd only)* | -106.0701% | 8,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 4,719 |
| Loan loss allowance to noncurrent loans | 59.7340% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 1.7759% | 3,693 |
| Noncurrent loans to loans | 2.1187% | 3,486 |
| Net loans and leases to total assets | 78.6604% | 1,455 |
| Net loans and leases to deposits | 93.8597% | 1,910 |
| Net loans and leases to core deposits | 107.5596% | 3,525 |
| Total domestic deposits to total assets | 83.8064% | 3,816 |
| Equity capital to assets | 7.3799% | 7,384 |
| Core capital (leverage) ratio | 7.4770% | 7,005 |
| Tier 1 risk-based capital ratio | 9.3236% | 7,481 |
| Total risk-based capital ratio | 10.5743% | 7,466 |
| Memoranda: | ||
| Average total assets | $550,498,000 | 1,275 |
| Average earning assets | $506,965,750 | 1,254 |
| Average equity | $43,348,000 | 1,564 |
| Average total loans | $432,584,000 | 1,126 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0666% | 1,917 |
| Cost of funding earning assets | 1.7307% | 5,120 |
| Net interest margin | 4.3359% | 1,559 |
| Noninterest income to average assets | 1.2445% | 989 |
| Noninterest expense to average assets | 4.1540% | 1,124 |
| Loan and lease loss provision to assets | 3.3545% | 434 |
| Net operating income to assets | -1.4934% | 7,241 |
| Return on assets (ROA) | -1.4919% | 7,240 |
| Pretax return on assets | -2.2716% | 7,365 |
| Return on Equity (ROE) | -18.5095% | 7,467 |
| Retained earnings to average equity (ytd only) | -23.7926% | 7,567 |
| Net charge-offs to loans | 4.5348% | 284 |
| Credit loss provision to net charge-offs | 94.6283% | 4,785 |
| Earnings coverage of net charge-offs (x) | 0.3049% | 5,369 |
| Efficiency ratio | 63.9671% | 5,921 |
| Assets per employee ($millions) | 3.3765% | 5,118 |
| Cash dividends to net income (ytd only)* | -28.5427% | 7,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 4,194 |
| Loan loss allowance to noncurrent loans | 81.8395% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 1.2711% | 4,396 |
| Noncurrent loans to loans | 1.6049% | 4,090 |
| Net loans and leases to total assets | 77.5908% | 1,843 |
| Net loans and leases to deposits | 92.6237% | 2,341 |
| Net loans and leases to core deposits | 103.6469% | 4,100 |
| Total domestic deposits to total assets | 83.7699% | 3,887 |
| Equity capital to assets | 7.7041% | 7,073 |
| Core capital (leverage) ratio | 7.6410% | 6,838 |
| Tier 1 risk-based capital ratio | 9.3415% | 7,515 |
| Total risk-based capital ratio | 10.5916% | 7,501 |
| Memoranda: | ||
| Average total assets | $533,556,330 | 1,317 |
| Average earning assets | $491,014,670 | 1,319 |
| Average equity | $43,005,000 | 1,584 |
| Average total loans | $417,090,000 | 1,200 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0857% | 1,996 |
| Cost of funding earning assets | 1.7724% | 5,250 |
| Net interest margin | 4.3134% | 1,568 |
| Noninterest income to average assets | 1.1844% | 1,042 |
| Noninterest expense to average assets | 4.7732% | 561 |
| Loan and lease loss provision to assets | 2.5001% | 465 |
| Net operating income to assets | -1.3662% | 7,446 |
| Return on assets (ROA) | -1.3662% | 7,460 |
| Pretax return on assets | -2.1176% | 7,562 |
| Return on Equity (ROE) | -16.5778% | 7,662 |
| Retained earnings to average equity (ytd only) | -26.9767% | 7,818 |
| Net charge-offs to loans | 1.5700% | 923 |
| Credit loss provision to net charge-offs | 204.3157% | 2,177 |
| Earnings coverage of net charge-offs (x) | 0.3126% | 4,727 |
| Efficiency ratio | 62.3354% | 5,995 |
| Assets per employee ($millions) | 3.5789% | 4,627 |
| Cash dividends to net income (ytd only)* | -62.7278% | 8,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8574% | 1,721 |
| Loan loss allowance to noncurrent loans | 192.3115% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.7528% | 5,276 |
| Noncurrent loans to loans | 0.9659% | 5,061 |
| Net loans and leases to total assets | 75.5555% | 2,377 |
| Net loans and leases to deposits | 89.0525% | 3,095 |
| Net loans and leases to core deposits | 102.5847% | 4,281 |
| Total domestic deposits to total assets | 84.8437% | 3,276 |
| Equity capital to assets | 7.7816% | 7,091 |
| Core capital (leverage) ratio | 8.0486% | 6,383 |
| Tier 1 risk-based capital ratio | 9.6001% | 7,341 |
| Total risk-based capital ratio | 10.8565% | 7,270 |
| Memoranda: | ||
| Average total assets | $530,213,500 | 1,331 |
| Average earning assets | $488,158,500 | 1,332 |
| Average equity | $43,697,000 | 1,559 |
| Average total loans | $413,256,500 | 1,223 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8138% | 1,633 |
| Cost of funding earning assets | 2.2432% | 5,403 |
| Net interest margin | 4.5707% | 1,248 |
| Noninterest income to average assets | 1.0184% | 1,530 |
| Noninterest expense to average assets | 3.2140% | 3,286 |
| Loan and lease loss provision to assets | 0.7443% | 1,998 |
| Net operating income to assets | 0.8722% | 3,123 |
| Return on assets (ROA) | 0.8737% | 2,969 |
| Pretax return on assets | 1.2113% | 2,602 |
| Return on Equity (ROE) | 9.4248% | 2,467 |
| Retained earnings to average equity (ytd only) | 4.4996% | 2,329 |
| Net charge-offs to loans | 0.5423% | 2,196 |
| Credit loss provision to net charge-offs | 177.5304% | 2,851 |
| Earnings coverage of net charge-offs (x) | 4.6594% | 3,909 |
| Efficiency ratio | 62.1967% | 5,912 |
| Assets per employee ($millions) | 3.3753% | 5,017 |
| Cash dividends to net income (ytd only)* | 52.2584% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4930% | 2,732 |
| Loan loss allowance to noncurrent loans | 175.8232% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.6801% | 5,187 |
| Noncurrent loans to loans | 0.8491% | 4,926 |
| Net loans and leases to total assets | 77.7700% | 2,201 |
| Net loans and leases to deposits | 99.1241% | 1,972 |
| Net loans and leases to core deposits | 115.1593% | 3,223 |
| Total domestic deposits to total assets | 78.4572% | 5,561 |
| Equity capital to assets | 8.7257% | 5,771 |
| Core capital (leverage) ratio | 8.7738% | 5,077 |
| Tier 1 risk-based capital ratio | 10.2825% | 6,439 |
| Total risk-based capital ratio | 11.5348% | 6,311 |
| Memoranda: | ||
| Average total assets | $471,316,600 | 1,462 |
| Average earning assets | $427,835,600 | 1,460 |
| Average equity | $43,693,200 | 1,541 |
| Average total loans | $364,403,200 | 1,329 |