Home > Exchange Bank > Performance and Condition Ratios
Exchange 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 | 5.3854% | 1,339 |
| Cost of funding earning assets | 2.5668% | 320 |
| Net interest margin | 2.8186% | 3,630 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 1.4320% | 4,371 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5121% | 996 |
| Return on assets (ROA) | 1.6574% | 756 |
| Pretax return on assets | 1.6946% | 1,076 |
| Return on Equity (ROE) | 17.9900% | 817 |
| Retained earnings to average equity (ytd only) | 8.4280% | 1,416 |
| Net charge-offs to loans | 0.0160% | 2,061 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 135.0385% | 763 |
| Efficiency ratio | 48.0801% | 4,089 |
| Assets per employee ($millions) | 11.1434% | 518 |
| Cash dividends to net income (ytd only)* | 53.1467% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4865% | 1,095 |
| Loan loss allowance to noncurrent loans | 312.3362% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.3499% | 1,564 |
| Noncurrent loans to loans | 0.4759% | 1,595 |
| Net loans and leases to total assets | 70.3100% | 1,774 |
| Net loans and leases to deposits | 93.8693% | 950 |
| Net loans and leases to core deposits | 126.8089% | 466 |
| Total domestic deposits to total assets | 74.9000% | 4,039 |
| Equity capital to assets | 9.6206% | 2,261 |
| Core capital (leverage) ratio | 9.9764% | 2,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,362,312,000 | 766 |
| Average earning assets | $1,276,218,600 | 752 |
| Average equity | $125,521,800 | 789 |
| Average total loans | $972,905,600 | 747 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2580% | 1,345 |
| Cost of funding earning assets | 2.4163% | 328 |
| Net interest margin | 2.8417% | 3,655 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 1.4255% | 4,375 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5526% | 1,016 |
| Return on assets (ROA) | 1.8476% | 591 |
| Pretax return on assets | 1.8804% | 887 |
| Return on Equity (ROE) | 20.2900% | 697 |
| Retained earnings to average equity (ytd only) | 7.2653% | 2,211 |
| Net charge-offs to loans | 0.0214% | 1,680 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 103.1032% | 904 |
| Efficiency ratio | 47.4396% | 4,069 |
| Assets per employee ($millions) | 10.4908% | 576 |
| Cash dividends to net income (ytd only)* | 64.1883% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5029% | 1,107 |
| Loan loss allowance to noncurrent loans | 401.2560% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.2871% | 1,854 |
| Noncurrent loans to loans | 0.3745% | 1,892 |
| Net loans and leases to total assets | 71.6000% | 1,627 |
| Net loans and leases to deposits | 92.8218% | 981 |
| Net loans and leases to core deposits | 122.4826% | 497 |
| Total domestic deposits to total assets | 77.1400% | 3,914 |
| Equity capital to assets | 8.2748% | 2,867 |
| Core capital (leverage) ratio | 9.8124% | 2,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,349,087,250 | 775 |
| Average earning assets | $1,264,489,000 | 761 |
| Average equity | $122,864,250 | 796 |
| Average total loans | $963,623,500 | 755 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0607% | 1,439 |
| Cost of funding earning assets | 2.2250% | 320 |
| Net interest margin | 2.8357% | 3,769 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 1.4278% | 4,390 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5437% | 1,028 |
| Return on assets (ROA) | 1.9924% | 471 |
| Pretax return on assets | 2.0158% | 725 |
| Return on Equity (ROE) | 21.2100% | 605 |
| Retained earnings to average equity (ytd only) | 10.0959% | 1,378 |
| Net charge-offs to loans | 0.0408% | 1,110 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 53.9948% | 1,245 |
| Efficiency ratio | 47.7452% | 4,079 |
| Assets per employee ($millions) | 10.4571% | 584 |
| Cash dividends to net income (ytd only)* | 52.4109% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5271% | 1,104 |
| Loan loss allowance to noncurrent loans | 356.8263% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.3166% | 1,652 |
| Noncurrent loans to loans | 0.4280% | 1,654 |
| Net loans and leases to total assets | 70.5000% | 1,689 |
| Net loans and leases to deposits | 92.4526% | 993 |
| Net loans and leases to core deposits | 119.5456% | 526 |
| Total domestic deposits to total assets | 76.2500% | 4,023 |
| Equity capital to assets | 9.2455% | 2,351 |
| Core capital (leverage) ratio | 10.0295% | 2,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,340,683,000 | 769 |
| Average earning assets | $1,256,182,333 | 752 |
| Average equity | $125,912,000 | 776 |
| Average total loans | $951,804,333 | 745 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8530% | 1,499 |
| Cost of funding earning assets | 1.9939% | 299 |
| Net interest margin | 2.8591% | 3,852 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 1.4539% | 4,427 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5939% | 993 |
| Return on assets (ROA) | 2.5175% | 235 |
| Pretax return on assets | 2.5081% | 353 |
| Return on Equity (ROE) | 26.5900% | 335 |
| Retained earnings to average equity (ytd only) | 26.5920% | 150 |
| Net charge-offs to loans | 0.0060% | 1,740 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 375.2143% | 295 |
| Efficiency ratio | 47.8507% | 4,089 |
| Assets per employee ($millions) | 10.3231% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5971% | 1,015 |
| Loan loss allowance to noncurrent loans | 351.2399% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.3301% | 1,536 |
| Noncurrent loans to loans | 0.4547% | 1,584 |
| Net loans and leases to total assets | 69.5800% | 1,666 |
| Net loans and leases to deposits | 91.1832% | 966 |
| Net loans and leases to core deposits | 115.3880% | 549 |
| Total domestic deposits to total assets | 76.3100% | 4,140 |
| Equity capital to assets | 9.7095% | 1,989 |
| Core capital (leverage) ratio | 10.4486% | 2,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,326,082,000 | 797 |
| Average earning assets | $1,240,811,500 | 779 |
| Average equity | $125,541,500 | 787 |
| Average total loans | $937,353,000 | 766 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2007% | 1,245 |
| Cost of funding earning assets | 0.9801% | 179 |
| Net interest margin | 3.2206% | 2,804 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 1.4201% | 4,495 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.8233% | 418 |
| Return on assets (ROA) | 1.8731% | 359 |
| Pretax return on assets | 1.9141% | 562 |
| Return on Equity (ROE) | 19.6000% | 518 |
| Retained earnings to average equity (ytd only) | 8.7436% | 1,553 |
| Net charge-offs to loans | 0.0149% | 1,828 |
| Credit loss provision to net charge-offs | 1,153.8462% | 393 |
| Earnings coverage of net charge-offs (x) | 191.1615% | 668 |
| Efficiency ratio | 41.7286% | 4,497 |
| Assets per employee ($millions) | 10.2356% | 625 |
| Cash dividends to net income (ytd only)* | 55.3828% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6510% | 879 |
| Loan loss allowance to noncurrent loans | 1,540.7258% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.0911% | 2,912 |
| Noncurrent loans to loans | 0.1072% | 2,998 |
| Net loans and leases to total assets | 69.4900% | 1,689 |
| Net loans and leases to deposits | 93.6810% | 805 |
| Net loans and leases to core deposits | 111.5436% | 557 |
| Total domestic deposits to total assets | 74.1800% | 4,350 |
| Equity capital to assets | 9.2188% | 2,214 |
| Core capital (leverage) ratio | 9.9598% | 2,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,253,182,600 | 822 |
| Average earning assets | $1,173,456,800 | 807 |
| Average equity | $119,779,600 | 820 |
| Average total loans | $873,995,800 | 764 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0126% | 1,245 |
| Cost of funding earning assets | 0.7725% | 174 |
| Net interest margin | 3.2401% | 2,498 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 1.3974% | 4,513 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.8740% | 368 |
| Return on assets (ROA) | 2.0088% | 284 |
| Pretax return on assets | 2.0423% | 427 |
| Return on Equity (ROE) | 20.8200% | 374 |
| Retained earnings to average equity (ytd only) | 9.6666% | 1,439 |
| Net charge-offs to loans | -0.0149% | 3,874 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 40.8205% | 4,552 |
| Assets per employee ($millions) | 9.6951% | 706 |
| Cash dividends to net income (ytd only)* | 53.5733% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6888% | 899 |
| Loan loss allowance to noncurrent loans | 1,108.7912% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 2,888 |
| Noncurrent loans to loans | 0.1523% | 2,851 |
| Net loans and leases to total assets | 69.3700% | 1,537 |
| Net loans and leases to deposits | 93.0896% | 694 |
| Net loans and leases to core deposits | 109.1615% | 492 |
| Total domestic deposits to total assets | 74.5200% | 4,438 |
| Equity capital to assets | 8.5498% | 2,508 |
| Core capital (leverage) ratio | 10.0226% | 2,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,238,938,750 | 835 |
| Average earning assets | $1,161,400,250 | 818 |
| Average equity | $119,529,250 | 832 |
| Average total loans | $861,064,000 | 772 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8504% | 1,207 |
| Cost of funding earning assets | 0.6465% | 215 |
| Net interest margin | 3.2038% | 2,173 |
| Noninterest income to average assets | 0.4014% | 2,747 |
| Noninterest expense to average assets | 1.3920% | 4,535 |
| Loan and lease loss provision to assets | 0.1221% | 813 |
| Net operating income to assets | 1.8727% | 285 |
| Return on assets (ROA) | 2.0785% | 198 |
| Pretax return on assets | 2.1034% | 292 |
| Return on Equity (ROE) | 20.7312% | 261 |
| Retained earnings to average equity (ytd only) | 9.3654% | 1,185 |
| Net charge-offs to loans | 0.0108% | 1,578 |
| Credit loss provision to net charge-offs | 1,630.4348% | 281 |
| Earnings coverage of net charge-offs (x) | 269.4348% | 438 |
| Efficiency ratio | 40.8260% | 4,595 |
| Assets per employee ($millions) | 9.7950% | 702 |
| Cash dividends to net income (ytd only)* | 54.8246% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6707% | 1,010 |
| Loan loss allowance to noncurrent loans | 1,373.8722% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 3,134 |
| Noncurrent loans to loans | 0.1216% | 3,120 |
| Net loans and leases to total assets | 68.6229% | 1,427 |
| Net loans and leases to deposits | 91.9902% | 610 |
| Net loans and leases to core deposits | 105.3340% | 472 |
| Total domestic deposits to total assets | 74.5981% | 4,517 |
| Equity capital to assets | 9.2008% | 2,232 |
| Core capital (leverage) ratio | 10.1308% | 2,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,228,566,667 | 834 |
| Average earning assets | $1,153,555,333 | 826 |
| Average equity | $123,176,667 | 813 |
| Average total loans | $849,356,333 | 769 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8109% | 1,066 |
| Cost of funding earning assets | 0.6106% | 241 |
| Net interest margin | 3.2003% | 1,881 |
| Noninterest income to average assets | 0.3888% | 2,764 |
| Noninterest expense to average assets | 1.3533% | 4,574 |
| Loan and lease loss provision to assets | 0.1234% | 675 |
| Net operating income to assets | 1.9198% | 257 |
| Return on assets (ROA) | 2.3395% | 138 |
| Pretax return on assets | 2.3389% | 219 |
| Return on Equity (ROE) | 22.3847% | 144 |
| Retained earnings to average equity (ytd only) | 0.3525% | 3,947 |
| Net charge-offs to loans | -0.0010% | 3,014 |
| Credit loss provision to net charge-offs | -18,750.0000% | 3,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8528% | 4,646 |
| Assets per employee ($millions) | 9.2982% | 825 |
| Cash dividends to net income (ytd only)* | 98.4252% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7092% | 1,040 |
| Loan loss allowance to noncurrent loans | 1,732.2424% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 2,961 |
| Noncurrent loans to loans | 0.0987% | 3,351 |
| Net loans and leases to total assets | 68.5159% | 1,162 |
| Net loans and leases to deposits | 90.1842% | 502 |
| Net loans and leases to core deposits | 101.6821% | 450 |
| Total domestic deposits to total assets | 75.9733% | 4,503 |
| Equity capital to assets | 9.9706% | 1,911 |
| Core capital (leverage) ratio | 10.0260% | 2,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,215,972,000 | 851 |
| Average earning assets | $1,142,525,500 | 843 |
| Average equity | $127,087,000 | 807 |
| Average total loans | $836,543,500 | 773 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0205% | 1,314 |
| Cost of funding earning assets | 0.7751% | 229 |
| Net interest margin | 3.2454% | 2,473 |
| Noninterest income to average assets | 0.4813% | 2,672 |
| Noninterest expense to average assets | 1.5204% | 4,517 |
| Loan and lease loss provision to assets | 0.1269% | 965 |
| Net operating income to assets | 1.8371% | 468 |
| Return on assets (ROA) | 1.9533% | 396 |
| Pretax return on assets | 2.0038% | 596 |
| Return on Equity (ROE) | 18.0888% | 455 |
| Retained earnings to average equity (ytd only) | 11.2717% | 653 |
| Net charge-offs to loans | 0.0272% | 1,695 |
| Credit loss provision to net charge-offs | 681.8182% | 676 |
| Earnings coverage of net charge-offs (x) | 108.0273% | 847 |
| Efficiency ratio | 43.0550% | 4,607 |
| Assets per employee ($millions) | 9.4082% | 804 |
| Cash dividends to net income (ytd only)* | 37.6868% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6624% | 1,131 |
| Loan loss allowance to noncurrent loans | 1,282.3963% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 2,954 |
| Noncurrent loans to loans | 0.1296% | 3,282 |
| Net loans and leases to total assets | 66.7806% | 1,399 |
| Net loans and leases to deposits | 92.0915% | 465 |
| Net loans and leases to core deposits | 105.9021% | 368 |
| Total domestic deposits to total assets | 72.5155% | 4,628 |
| Equity capital to assets | 10.9194% | 1,837 |
| Core capital (leverage) ratio | 10.2093% | 2,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,181,831,200 | 838 |
| Average earning assets | $1,110,695,200 | 827 |
| Average equity | $127,620,200 | 814 |
| Average total loans | $808,622,200 | 791 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1153% | 1,270 |
| Cost of funding earning assets | 0.8218% | 217 |
| Net interest margin | 3.2935% | 2,434 |
| Noninterest income to average assets | 0.4884% | 2,676 |
| Noninterest expense to average assets | 1.4812% | 4,612 |
| Loan and lease loss provision to assets | 0.1283% | 908 |
| Net operating income to assets | 1.9270% | 530 |
| Return on assets (ROA) | 2.0852% | 428 |
| Pretax return on assets | 2.1357% | 629 |
| Return on Equity (ROE) | 19.3671% | 476 |
| Retained earnings to average equity (ytd only) | 10.1522% | 1,274 |
| Net charge-offs to loans | 0.0424% | 1,251 |
| Credit loss provision to net charge-offs | 441.1765% | 819 |
| Earnings coverage of net charge-offs (x) | 72.3059% | 1,046 |
| Efficiency ratio | 41.3307% | 4,678 |
| Assets per employee ($millions) | 9.1002% | 862 |
| Cash dividends to net income (ytd only)* | 47.5800% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6529% | 1,218 |
| Loan loss allowance to noncurrent loans | 1,105.9787% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.1571% | 3,071 |
| Noncurrent loans to loans | 0.1495% | 3,372 |
| Net loans and leases to total assets | 67.9158% | 1,333 |
| Net loans and leases to deposits | 91.5220% | 517 |
| Net loans and leases to core deposits | 106.3610% | 398 |
| Total domestic deposits to total assets | 74.2071% | 4,630 |
| Equity capital to assets | 10.8569% | 2,118 |
| Core capital (leverage) ratio | 9.8406% | 2,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,169,171,250 | 854 |
| Average earning assets | $1,098,860,500 | 846 |
| Average equity | $125,880,500 | 835 |
| Average total loans | $801,536,250 | 812 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1745% | 1,228 |
| Cost of funding earning assets | 0.8752% | 203 |
| Net interest margin | 3.2993% | 2,437 |
| Noninterest income to average assets | 0.5090% | 2,590 |
| Noninterest expense to average assets | 1.4991% | 4,619 |
| Loan and lease loss provision to assets | 0.1288% | 969 |
| Net operating income to assets | 1.9318% | 554 |
| Return on assets (ROA) | 2.1227% | 408 |
| Pretax return on assets | 2.1751% | 604 |
| Return on Equity (ROE) | 19.7717% | 473 |
| Retained earnings to average equity (ytd only) | 13.8530% | 569 |
| Net charge-offs to loans | 0.0630% | 983 |
| Credit loss provision to net charge-offs | 298.8048% | 891 |
| Earnings coverage of net charge-offs (x) | 48.9283% | 1,079 |
| Efficiency ratio | 41.5469% | 4,709 |
| Assets per employee ($millions) | 9.1717% | 809 |
| Cash dividends to net income (ytd only)* | 29.9353% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6178% | 1,232 |
| Loan loss allowance to noncurrent loans | 1,281.2683% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 3,306 |
| Noncurrent loans to loans | 0.1263% | 3,554 |
| Net loans and leases to total assets | 67.5008% | 1,515 |
| Net loans and leases to deposits | 91.8374% | 549 |
| Net loans and leases to core deposits | 106.8794% | 441 |
| Total domestic deposits to total assets | 73.5003% | 4,673 |
| Equity capital to assets | 10.9361% | 2,032 |
| Core capital (leverage) ratio | 9.7921% | 2,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,164,551,333 | 853 |
| Average earning assets | $1,093,919,333 | 842 |
| Average equity | $125,027,333 | 836 |
| Average total loans | $796,392,000 | 821 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2937% | 1,051 |
| Cost of funding earning assets | 0.9516% | 172 |
| Net interest margin | 3.3421% | 2,270 |
| Noninterest income to average assets | 0.5658% | 2,346 |
| Noninterest expense to average assets | 1.5211% | 4,631 |
| Loan and lease loss provision to assets | 0.1298% | 1,054 |
| Net operating income to assets | 1.9973% | 573 |
| Return on assets (ROA) | 2.3482% | 366 |
| Pretax return on assets | 2.4116% | 510 |
| Return on Equity (ROE) | 22.0829% | 386 |
| Retained earnings to average equity (ytd only) | 22.0829% | 200 |
| Net charge-offs to loans | 0.0882% | 753 |
| Credit loss provision to net charge-offs | 215.5172% | 870 |
| Earnings coverage of net charge-offs (x) | 36.1782% | 1,015 |
| Efficiency ratio | 41.1022% | 4,707 |
| Assets per employee ($millions) | 8.7877% | 892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6014% | 1,296 |
| Loan loss allowance to noncurrent loans | 853.3910% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.1840% | 3,243 |
| Noncurrent loans to loans | 0.1877% | 3,433 |
| Net loans and leases to total assets | 67.4757% | 1,599 |
| Net loans and leases to deposits | 90.9203% | 649 |
| Net loans and leases to core deposits | 104.8273% | 552 |
| Total domestic deposits to total assets | 74.2141% | 4,660 |
| Equity capital to assets | 10.8264% | 1,987 |
| Core capital (leverage) ratio | 9.9719% | 2,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,155,253,000 | 849 |
| Average earning assets | $1,083,625,500 | 838 |
| Average equity | $122,846,000 | 846 |
| Average total loans | $788,704,500 | 822 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3243% | 1,786 |
| Cost of funding earning assets | 1.2758% | 196 |
| Net interest margin | 3.0485% | 3,759 |
| Noninterest income to average assets | 0.5415% | 2,460 |
| Noninterest expense to average assets | 1.5656% | 4,727 |
| Loan and lease loss provision to assets | 0.1875% | 2,078 |
| Net operating income to assets | 1.6034% | 632 |
| Return on assets (ROA) | 1.6892% | 557 |
| Pretax return on assets | 1.7284% | 805 |
| Return on Equity (ROE) | 17.2146% | 388 |
| Retained earnings to average equity (ytd only) | 12.4365% | 281 |
| Net charge-offs to loans | -0.0062% | 4,181 |
| Credit loss provision to net charge-offs | -4,347.8261% | 4,305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1279% | 4,716 |
| Assets per employee ($millions) | 8.5205% | 886 |
| Cash dividends to net income (ytd only)* | 27.7562% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6282% | 1,222 |
| Loan loss allowance to noncurrent loans | 427.1129% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.2623% | 2,990 |
| Noncurrent loans to loans | 0.3812% | 2,839 |
| Net loans and leases to total assets | 66.8547% | 1,971 |
| Net loans and leases to deposits | 93.3472% | 698 |
| Net loans and leases to core deposits | 108.2046% | 564 |
| Total domestic deposits to total assets | 71.6195% | 4,729 |
| Equity capital to assets | 10.4364% | 2,727 |
| Core capital (leverage) ratio | 9.7885% | 2,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,066,444,000 | 825 |
| Average earning assets | $997,868,800 | 814 |
| Average equity | $104,644,000 | 928 |
| Average total loans | $741,994,800 | 836 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4092% | 1,830 |
| Cost of funding earning assets | 1.3391% | 204 |
| Net interest margin | 3.0701% | 3,809 |
| Noninterest income to average assets | 0.5046% | 2,601 |
| Noninterest expense to average assets | 1.5542% | 4,764 |
| Loan and lease loss provision to assets | 0.1782% | 2,207 |
| Net operating income to assets | 1.6099% | 710 |
| Return on assets (ROA) | 1.7142% | 622 |
| Pretax return on assets | 1.7505% | 868 |
| Return on Equity (ROE) | 17.7776% | 380 |
| Retained earnings to average equity (ytd only) | 11.1782% | 540 |
| Net charge-offs to loans | -0.0122% | 4,274 |
| Credit loss provision to net charge-offs | -2,089.5522% | 4,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0309% | 4,708 |
| Assets per employee ($millions) | 8.9610% | 697 |
| Cash dividends to net income (ytd only)* | 37.1223% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5474% | 1,240 |
| Loan loss allowance to noncurrent loans | 687.6783% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.1553% | 3,638 |
| Noncurrent loans to loans | 0.2250% | 3,496 |
| Net loans and leases to total assets | 67.9321% | 2,253 |
| Net loans and leases to deposits | 95.8830% | 766 |
| Net loans and leases to core deposits | 110.6401% | 674 |
| Total domestic deposits to total assets | 70.8490% | 4,727 |
| Equity capital to assets | 9.8149% | 3,411 |
| Core capital (leverage) ratio | 9.8434% | 2,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,047,618,250 | 826 |
| Average earning assets | $979,960,750 | 816 |
| Average equity | $101,015,750 | 947 |
| Average total loans | $733,507,000 | 842 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5712% | 1,726 |
| Cost of funding earning assets | 1.4141% | 219 |
| Net interest margin | 3.1571% | 3,773 |
| Noninterest income to average assets | 0.4862% | 2,626 |
| Noninterest expense to average assets | 1.5807% | 4,794 |
| Loan and lease loss provision to assets | 0.1568% | 2,432 |
| Net operating income to assets | 1.6643% | 660 |
| Return on assets (ROA) | 1.7663% | 591 |
| Pretax return on assets | 1.8033% | 809 |
| Return on Equity (ROE) | 18.4392% | 338 |
| Retained earnings to average equity (ytd only) | 8.2088% | 1,241 |
| Net charge-offs to loans | -0.0125% | 4,269 |
| Credit loss provision to net charge-offs | -1,777.7778% | 3,866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9937% | 4,724 |
| Assets per employee ($millions) | 8.4587% | 819 |
| Cash dividends to net income (ytd only)* | 55.4816% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 1,283 |
| Loan loss allowance to noncurrent loans | 422.6617% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 3,329 |
| Noncurrent loans to loans | 0.3534% | 3,134 |
| Net loans and leases to total assets | 68.5629% | 2,253 |
| Net loans and leases to deposits | 96.6781% | 748 |
| Net loans and leases to core deposits | 111.4057% | 689 |
| Total domestic deposits to total assets | 70.9188% | 4,753 |
| Equity capital to assets | 9.3310% | 3,799 |
| Core capital (leverage) ratio | 9.4798% | 3,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,020,463,667 | 832 |
| Average earning assets | $953,674,333 | 827 |
| Average equity | $97,748,333 | 964 |
| Average total loans | $718,321,333 | 839 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6457% | 1,870 |
| Cost of funding earning assets | 1.5589% | 216 |
| Net interest margin | 3.0868% | 4,123 |
| Noninterest income to average assets | 0.3882% | 3,181 |
| Noninterest expense to average assets | 1.6104% | 4,846 |
| Loan and lease loss provision to assets | 0.0816% | 2,679 |
| Net operating income to assets | 1.5382% | 714 |
| Return on assets (ROA) | 1.7376% | 520 |
| Pretax return on assets | 1.7760% | 737 |
| Return on Equity (ROE) | 17.8810% | 280 |
| Retained earnings to average equity (ytd only) | -3.1012% | 4,365 |
| Net charge-offs to loans | -0.0155% | 4,233 |
| Credit loss provision to net charge-offs | -740.7407% | 3,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3317% | 4,701 |
| Assets per employee ($millions) | 8.2469% | 671 |
| Cash dividends to net income (ytd only)* | 117.3433% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5439% | 1,210 |
| Loan loss allowance to noncurrent loans | 76.9422% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.4115% | 788 |
| Noncurrent loans to loans | 2.0065% | 703 |
| Net loans and leases to total assets | 68.5499% | 2,461 |
| Net loans and leases to deposits | 94.0245% | 1,076 |
| Net loans and leases to core deposits | 107.8140% | 952 |
| Total domestic deposits to total assets | 72.9064% | 4,729 |
| Equity capital to assets | 8.9809% | 4,610 |
| Core capital (leverage) ratio | 9.6397% | 3,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $980,880,000 | 836 |
| Average earning assets | $913,962,000 | 828 |
| Average equity | $95,319,000 | 978 |
| Average total loans | $694,796,000 | 844 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8331% | 1,943 |
| Cost of funding earning assets | 1.6400% | 255 |
| Net interest margin | 3.1931% | 4,199 |
| Noninterest income to average assets | 0.3729% | 3,466 |
| Noninterest expense to average assets | 1.5178% | 4,998 |
| Loan and lease loss provision to assets | 0.1277% | 1,670 |
| Net operating income to assets | 1.6721% | 704 |
| Return on assets (ROA) | 1.8090% | 540 |
| Pretax return on assets | 1.8455% | 845 |
| Return on Equity (ROE) | 17.3768% | 381 |
| Retained earnings to average equity (ytd only) | 5.1079% | 2,361 |
| Net charge-offs to loans | 0.0655% | 2,155 |
| Credit loss provision to net charge-offs | 272.7273% | 1,028 |
| Earnings coverage of net charge-offs (x) | 39.1500% | 1,335 |
| Efficiency ratio | 45.2900% | 4,937 |
| Assets per employee ($millions) | 8.0305% | 704 |
| Cash dividends to net income (ytd only)* | 70.6048% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5365% | 1,119 |
| Loan loss allowance to noncurrent loans | 62.4550% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.7892% | 490 |
| Noncurrent loans to loans | 2.4602% | 445 |
| Net loans and leases to total assets | 70.9990% | 2,249 |
| Net loans and leases to deposits | 93.8786% | 1,166 |
| Net loans and leases to core deposits | 110.0916% | 848 |
| Total domestic deposits to total assets | 75.6285% | 4,645 |
| Equity capital to assets | 10.4935% | 3,451 |
| Core capital (leverage) ratio | 10.1079% | 3,406 |
| Tier 1 risk-based capital ratio | 12.2582% | 4,211 |
| Total risk-based capital ratio | 13.5098% | 4,080 |
| Memoranda: | ||
| Average total assets | $939,504,400 | 835 |
| Average earning assets | $876,355,600 | 826 |
| Average equity | $97,808,800 | 914 |
| Average total loans | $671,613,400 | 836 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8585% | 1,946 |
| Cost of funding earning assets | 1.6490% | 246 |
| Net interest margin | 3.2094% | 4,276 |
| Noninterest income to average assets | 0.3379% | 3,711 |
| Noninterest expense to average assets | 1.5055% | 5,065 |
| Loan and lease loss provision to assets | 0.1283% | 1,515 |
| Net operating income to assets | 1.6722% | 785 |
| Return on assets (ROA) | 1.8313% | 603 |
| Pretax return on assets | 1.8634% | 953 |
| Return on Equity (ROE) | 17.6267% | 426 |
| Retained earnings to average equity (ytd only) | 5.2802% | 2,743 |
| Net charge-offs to loans | 0.0274% | 2,543 |
| Credit loss provision to net charge-offs | 656.9343% | 509 |
| Earnings coverage of net charge-offs (x) | 93.6872% | 785 |
| Efficiency ratio | 45.1449% | 4,968 |
| Assets per employee ($millions) | 7.4717% | 855 |
| Cash dividends to net income (ytd only)* | 70.0444% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5730% | 1,052 |
| Loan loss allowance to noncurrent loans | 189.9050% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.6127% | 2,162 |
| Noncurrent loans to loans | 0.8283% | 1,912 |
| Net loans and leases to total assets | 70.9568% | 2,330 |
| Net loans and leases to deposits | 95.9858% | 1,019 |
| Net loans and leases to core deposits | 113.3356% | 781 |
| Total domestic deposits to total assets | 73.9243% | 4,820 |
| Equity capital to assets | 10.6811% | 3,396 |
| Core capital (leverage) ratio | 9.9166% | 3,721 |
| Tier 1 risk-based capital ratio | 12.4201% | 4,188 |
| Total risk-based capital ratio | 13.6723% | 4,068 |
| Memoranda: | ||
| Average total assets | $935,472,250 | 840 |
| Average earning assets | $873,534,750 | 830 |
| Average equity | $97,191,250 | 920 |
| Average total loans | $667,247,250 | 842 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8147% | 2,014 |
| Cost of funding earning assets | 1.6255% | 248 |
| Net interest margin | 3.1892% | 4,389 |
| Noninterest income to average assets | 0.3088% | 3,861 |
| Noninterest expense to average assets | 1.4872% | 5,124 |
| Loan and lease loss provision to assets | 0.1282% | 1,452 |
| Net operating income to assets | 1.6488% | 811 |
| Return on assets (ROA) | 1.8291% | 587 |
| Pretax return on assets | 1.8573% | 921 |
| Return on Equity (ROE) | 17.7712% | 394 |
| Retained earnings to average equity (ytd only) | 7.3908% | 1,655 |
| Net charge-offs to loans | 0.0150% | 2,597 |
| Credit loss provision to net charge-offs | 1,200.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 168.6200% | 448 |
| Efficiency ratio | 45.2212% | 5,019 |
| Assets per employee ($millions) | 8.2010% | 621 |
| Cash dividends to net income (ytd only)* | 58.4112% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5446% | 1,149 |
| Loan loss allowance to noncurrent loans | 190.0385% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.5996% | 2,225 |
| Noncurrent loans to loans | 0.8128% | 1,965 |
| Net loans and leases to total assets | 70.7577% | 2,431 |
| Net loans and leases to deposits | 98.3734% | 808 |
| Net loans and leases to core deposits | 117.3206% | 636 |
| Total domestic deposits to total assets | 71.9277% | 4,978 |
| Equity capital to assets | 10.5340% | 3,487 |
| Core capital (leverage) ratio | 9.7988% | 3,829 |
| Tier 1 risk-based capital ratio | 12.4233% | 4,174 |
| Total risk-based capital ratio | 13.6752% | 4,051 |
| Memoranda: | ||
| Average total assets | $935,974,670 | 830 |
| Average earning assets | $874,568,670 | 824 |
| Average equity | $96,335,670 | 924 |
| Average total loans | $665,228,670 | 846 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7099% | 2,191 |
| Cost of funding earning assets | 1.5704% | 251 |
| Net interest margin | 3.1395% | 4,515 |
| Noninterest income to average assets | 0.2845% | 3,972 |
| Noninterest expense to average assets | 1.4133% | 5,216 |
| Loan and lease loss provision to assets | 0.1281% | 1,360 |
| Net operating income to assets | 1.6445% | 818 |
| Return on assets (ROA) | 1.9823% | 414 |
| Pretax return on assets | 2.0181% | 620 |
| Return on Equity (ROE) | 19.4874% | 293 |
| Retained earnings to average equity (ytd only) | 19.4874% | 114 |
| Net charge-offs to loans | 0.0622% | 1,417 |
| Credit loss provision to net charge-offs | 291.2621% | 845 |
| Earnings coverage of net charge-offs (x) | 40.9515% | 1,138 |
| Efficiency ratio | 43.9617% | 5,103 |
| Assets per employee ($millions) | 8.2723% | 606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5096% | 1,308 |
| Loan loss allowance to noncurrent loans | 196.5301% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.5457% | 2,459 |
| Noncurrent loans to loans | 0.7681% | 2,108 |
| Net loans and leases to total assets | 69.9691% | 2,489 |
| Net loans and leases to deposits | 97.6541% | 819 |
| Net loans and leases to core deposits | 117.8482% | 584 |
| Total domestic deposits to total assets | 71.6500% | 5,056 |
| Equity capital to assets | 10.5046% | 3,342 |
| Core capital (leverage) ratio | 10.0405% | 3,563 |
| Tier 1 risk-based capital ratio | 12.7390% | 4,018 |
| Total risk-based capital ratio | 13.9905% | 3,915 |
| Memoranda: | ||
| Average total assets | $936,503,500 | 832 |
| Average earning assets | $874,163,500 | 828 |
| Average equity | $95,261,500 | 929 |
| Average total loans | $661,891,000 | 852 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5528% | 2,284 |
| Cost of funding earning assets | 1.3043% | 212 |
| Net interest margin | 3.2486% | 4,390 |
| Noninterest income to average assets | 0.3562% | 3,713 |
| Noninterest expense to average assets | 1.5166% | 5,214 |
| Loan and lease loss provision to assets | 0.1330% | 1,643 |
| Net operating income to assets | 1.7150% | 668 |
| Return on assets (ROA) | 1.7908% | 557 |
| Pretax return on assets | 1.8330% | 843 |
| Return on Equity (ROE) | 18.1892% | 373 |
| Retained earnings to average equity (ytd only) | 5.8018% | 2,292 |
| Net charge-offs to loans | 0.0421% | 2,570 |
| Credit loss provision to net charge-offs | 451.1278% | 758 |
| Earnings coverage of net charge-offs (x) | 64.0376% | 984 |
| Efficiency ratio | 44.5381% | 5,164 |
| Assets per employee ($millions) | 7.6904% | 743 |
| Cash dividends to net income (ytd only)* | 68.1030% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4898% | 1,328 |
| Loan loss allowance to noncurrent loans | 364.0000% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 3,430 |
| Noncurrent loans to loans | 0.4093% | 3,066 |
| Net loans and leases to total assets | 69.2659% | 2,698 |
| Net loans and leases to deposits | 100.9328% | 675 |
| Net loans and leases to core deposits | 124.5551% | 427 |
| Total domestic deposits to total assets | 68.6258% | 5,198 |
| Equity capital to assets | 9.8407% | 3,824 |
| Core capital (leverage) ratio | 9.5677% | 4,041 |
| Tier 1 risk-based capital ratio | 12.1134% | 4,357 |
| Total risk-based capital ratio | 13.3645% | 4,243 |
| Memoranda: | ||
| Average total assets | $901,923,000 | 844 |
| Average earning assets | $846,531,400 | 833 |
| Average equity | $88,799,800 | 947 |
| Average total loans | $631,825,400 | 854 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4179% | 2,570 |
| Cost of funding earning assets | 1.2366% | 209 |
| Net interest margin | 3.1814% | 4,549 |
| Noninterest income to average assets | 0.3538% | 3,764 |
| Noninterest expense to average assets | 1.5193% | 5,265 |
| Loan and lease loss provision to assets | 0.1344% | 1,491 |
| Net operating income to assets | 1.6522% | 836 |
| Return on assets (ROA) | 1.7321% | 706 |
| Pretax return on assets | 1.7736% | 1,078 |
| Return on Equity (ROE) | 17.5903% | 470 |
| Retained earnings to average equity (ytd only) | 3.9415% | 3,806 |
| Net charge-offs to loans | 0.0205% | 2,721 |
| Credit loss provision to net charge-offs | 937.5000% | 433 |
| Earnings coverage of net charge-offs (x) | 127.4030% | 628 |
| Efficiency ratio | 45.4095% | 5,170 |
| Assets per employee ($millions) | 7.8869% | 680 |
| Cash dividends to net income (ytd only)* | 77.5929% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 1,412 |
| Loan loss allowance to noncurrent loans | 79.4202% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.3233% | 1,019 |
| Noncurrent loans to loans | 1.8639% | 818 |
| Net loans and leases to total assets | 69.9448% | 2,656 |
| Net loans and leases to deposits | 100.5654% | 731 |
| Net loans and leases to core deposits | 125.6035% | 422 |
| Total domestic deposits to total assets | 69.5515% | 5,236 |
| Equity capital to assets | 9.6590% | 3,950 |
| Core capital (leverage) ratio | 9.4310% | 4,251 |
| Tier 1 risk-based capital ratio | 11.9884% | 4,509 |
| Total risk-based capital ratio | 13.2398% | 4,391 |
| Memoranda: | ||
| Average total assets | $892,845,750 | 855 |
| Average earning assets | $839,705,250 | 837 |
| Average equity | $87,917,500 | 949 |
| Average total loans | $624,856,000 | 863 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3541% | 2,570 |
| Cost of funding earning assets | 1.1600% | 218 |
| Net interest margin | 3.1942% | 4,518 |
| Noninterest income to average assets | 0.3588% | 3,754 |
| Noninterest expense to average assets | 1.5475% | 5,306 |
| Loan and lease loss provision to assets | 0.1359% | 1,442 |
| Net operating income to assets | 1.6398% | 824 |
| Return on assets (ROA) | 1.7151% | 705 |
| Pretax return on assets | 1.7577% | 1,076 |
| Return on Equity (ROE) | 17.3026% | 491 |
| Retained earnings to average equity (ytd only) | 3.5903% | 3,803 |
| Net charge-offs to loans | 0.0475% | 1,935 |
| Credit loss provision to net charge-offs | 410.9589% | 804 |
| Earnings coverage of net charge-offs (x) | 54.9315% | 1,061 |
| Efficiency ratio | 45.9969% | 5,208 |
| Assets per employee ($millions) | 7.9185% | 643 |
| Cash dividends to net income (ytd only)* | 79.2498% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 1,487 |
| Loan loss allowance to noncurrent loans | 154.6146% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.6698% | 2,227 |
| Noncurrent loans to loans | 0.9504% | 1,831 |
| Net loans and leases to total assets | 69.4366% | 2,665 |
| Net loans and leases to deposits | 100.2779% | 789 |
| Net loans and leases to core deposits | 122.9127% | 490 |
| Total domestic deposits to total assets | 69.2442% | 5,300 |
| Equity capital to assets | 9.8588% | 3,764 |
| Core capital (leverage) ratio | 9.5888% | 4,009 |
| Tier 1 risk-based capital ratio | 12.1741% | 4,387 |
| Total risk-based capital ratio | 13.4252% | 4,266 |
| Memoranda: | ||
| Average total assets | $882,870,330 | 865 |
| Average earning assets | $830,704,330 | 854 |
| Average equity | $87,513,000 | 957 |
| Average total loans | $614,765,000 | 874 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2809% | 2,598 |
| Cost of funding earning assets | 1.0980% | 233 |
| Net interest margin | 3.1829% | 4,522 |
| Noninterest income to average assets | 0.2910% | 4,221 |
| Noninterest expense to average assets | 1.5566% | 5,354 |
| Loan and lease loss provision to assets | 0.1375% | 1,372 |
| Net operating income to assets | 1.5476% | 958 |
| Return on assets (ROA) | 1.5840% | 893 |
| Pretax return on assets | 1.6257% | 1,312 |
| Return on Equity (ROE) | 15.9361% | 633 |
| Retained earnings to average equity (ytd only) | -11.7227% | 5,403 |
| Net charge-offs to loans | 0.0265% | 1,969 |
| Credit loss provision to net charge-offs | 750.0000% | 436 |
| Earnings coverage of net charge-offs (x) | 94.1500% | 643 |
| Efficiency ratio | 47.4243% | 5,216 |
| Assets per employee ($millions) | 7.5643% | 749 |
| Cash dividends to net income (ytd only)* | 173.5609% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5232% | 1,377 |
| Loan loss allowance to noncurrent loans | 192.3918% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.5539% | 2,674 |
| Noncurrent loans to loans | 0.7917% | 2,230 |
| Net loans and leases to total assets | 68.0322% | 2,766 |
| Net loans and leases to deposits | 97.1387% | 929 |
| Net loans and leases to core deposits | 115.6033% | 741 |
| Total domestic deposits to total assets | 70.0361% | 5,360 |
| Equity capital to assets | 9.7673% | 3,821 |
| Core capital (leverage) ratio | 9.3447% | 4,262 |
| Tier 1 risk-based capital ratio | 12.5625% | 4,206 |
| Total risk-based capital ratio | 13.8147% | 4,106 |
| Memoranda: | ||
| Average total assets | $872,953,500 | 880 |
| Average earning assets | $820,380,000 | 865 |
| Average equity | $86,771,500 | 968 |
| Average total loans | $604,070,000 | 890 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2347% | 2,565 |
| Cost of funding earning assets | 1.0474% | 168 |
| Net interest margin | 3.1874% | 4,480 |
| Noninterest income to average assets | 0.3583% | 3,907 |
| Noninterest expense to average assets | 1.5056% | 5,473 |
| Loan and lease loss provision to assets | 0.1428% | 1,588 |
| Net operating income to assets | 1.6728% | 560 |
| Return on assets (ROA) | 1.7889% | 438 |
| Pretax return on assets | 1.8258% | 740 |
| Return on Equity (ROE) | 17.5742% | 339 |
| Retained earnings to average equity (ytd only) | -1.7201% | 5,253 |
| Net charge-offs to loans | 0.0780% | 2,331 |
| Credit loss provision to net charge-offs | 265.4867% | 1,056 |
| Earnings coverage of net charge-offs (x) | 34.3894% | 1,400 |
| Efficiency ratio | 44.8657% | 5,426 |
| Assets per employee ($millions) | 7.7523% | 694 |
| Cash dividends to net income (ytd only)* | 109.7877% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4648% | 1,528 |
| Loan loss allowance to noncurrent loans | 241.7505% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.4240% | 3,168 |
| Noncurrent loans to loans | 0.6059% | 2,716 |
| Net loans and leases to total assets | 68.2962% | 2,777 |
| Net loans and leases to deposits | 100.1867% | 716 |
| Net loans and leases to core deposits | 120.2020% | 574 |
| Total domestic deposits to total assets | 68.1690% | 5,468 |
| Equity capital to assets | 10.1115% | 3,585 |
| Core capital (leverage) ratio | 9.7284% | 3,775 |
| Tier 1 risk-based capital ratio | 12.8358% | 4,012 |
| Total risk-based capital ratio | 14.0873% | 3,906 |
| Memoranda: | ||
| Average total assets | $840,133,800 | 888 |
| Average earning assets | $790,089,000 | 874 |
| Average equity | $85,517,600 | 954 |
| Average total loans | $579,182,800 | 890 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2033% | 2,607 |
| Cost of funding earning assets | 1.0341% | 160 |
| Net interest margin | 3.1692% | 4,535 |
| Noninterest income to average assets | 0.3316% | 4,165 |
| Noninterest expense to average assets | 1.5247% | 5,500 |
| Loan and lease loss provision to assets | 0.1444% | 1,459 |
| Net operating income to assets | 1.6117% | 690 |
| Return on assets (ROA) | 1.7682% | 519 |
| Pretax return on assets | 1.8058% | 880 |
| Return on Equity (ROE) | 17.3410% | 389 |
| Retained earnings to average equity (ytd only) | -6.2565% | 5,571 |
| Net charge-offs to loans | 0.0478% | 2,484 |
| Credit loss provision to net charge-offs | 439.0244% | 716 |
| Earnings coverage of net charge-offs (x) | 54.4432% | 1,056 |
| Efficiency ratio | 45.9934% | 5,421 |
| Assets per employee ($millions) | 7.5476% | 747 |
| Cash dividends to net income (ytd only)* | 136.0791% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4870% | 1,584 |
| Loan loss allowance to noncurrent loans | 227.0416% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.4607% | 3,188 |
| Noncurrent loans to loans | 0.6549% | 2,744 |
| Net loans and leases to total assets | 68.6763% | 2,747 |
| Net loans and leases to deposits | 98.3029% | 887 |
| Net loans and leases to core deposits | 118.4164% | 637 |
| Total domestic deposits to total assets | 69.8619% | 5,481 |
| Equity capital to assets | 10.2169% | 3,679 |
| Core capital (leverage) ratio | 9.5378% | 4,114 |
| Tier 1 risk-based capital ratio | 12.7251% | 4,191 |
| Total risk-based capital ratio | 13.9769% | 4,083 |
| Memoranda: | ||
| Average total assets | $831,164,000 | 900 |
| Average earning assets | $782,480,500 | 886 |
| Average equity | $84,752,500 | 964 |
| Average total loans | $572,184,000 | 893 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1430% | 2,702 |
| Cost of funding earning assets | 1.0083% | 169 |
| Net interest margin | 3.1347% | 4,588 |
| Noninterest income to average assets | 0.3287% | 4,193 |
| Noninterest expense to average assets | 1.5385% | 5,538 |
| Loan and lease loss provision to assets | 0.1456% | 1,399 |
| Net operating income to assets | 1.5635% | 763 |
| Return on assets (ROA) | 1.6836% | 595 |
| Pretax return on assets | 1.7179% | 1,016 |
| Return on Equity (ROE) | 16.5227% | 458 |
| Retained earnings to average equity (ytd only) | -16.8276% | 5,710 |
| Net charge-offs to loans | 0.0432% | 2,330 |
| Credit loss provision to net charge-offs | 491.8033% | 674 |
| Earnings coverage of net charge-offs (x) | 58.7869% | 961 |
| Efficiency ratio | 46.9134% | 5,439 |
| Assets per employee ($millions) | 7.7846% | 672 |
| Cash dividends to net income (ytd only)* | 201.8454% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4805% | 1,647 |
| Loan loss allowance to noncurrent loans | 143.0182% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.7059% | 2,449 |
| Noncurrent loans to loans | 1.0352% | 1,897 |
| Net loans and leases to total assets | 67.0176% | 2,948 |
| Net loans and leases to deposits | 94.6841% | 1,207 |
| Net loans and leases to core deposits | 113.6098% | 816 |
| Total domestic deposits to total assets | 70.7801% | 5,514 |
| Equity capital to assets | 9.8968% | 4,037 |
| Core capital (leverage) ratio | 9.4058% | 4,223 |
| Tier 1 risk-based capital ratio | 12.1064% | 4,565 |
| Total risk-based capital ratio | 13.3576% | 4,441 |
| Memoranda: | ||
| Average total assets | $823,926,330 | 917 |
| Average earning assets | $775,571,330 | 895 |
| Average equity | $83,957,330 | 976 |
| Average total loans | $564,723,670 | 908 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1529% | 2,463 |
| Cost of funding earning assets | 0.9867% | 175 |
| Net interest margin | 3.1662% | 4,446 |
| Noninterest income to average assets | 0.2649% | 4,646 |
| Noninterest expense to average assets | 1.6193% | 5,545 |
| Loan and lease loss provision to assets | 0.1486% | 1,254 |
| Net operating income to assets | 1.4541% | 888 |
| Return on assets (ROA) | 1.6342% | 651 |
| Pretax return on assets | 1.6634% | 1,082 |
| Return on Equity (ROE) | 15.7966% | 550 |
| Retained earnings to average equity (ytd only) | -51.2191% | 5,823 |
| Net charge-offs to loans | 0.0986% | 1,382 |
| Credit loss provision to net charge-offs | 218.9781% | 957 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,373 |
| Efficiency ratio | 49.8628% | 5,381 |
| Assets per employee ($millions) | 7.5726% | 733 |
| Cash dividends to net income (ytd only)* | 424.2424% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4734% | 1,786 |
| Loan loss allowance to noncurrent loans | 118.7339% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 0.9124% | 2,034 |
| Noncurrent loans to loans | 1.2409% | 1,628 |
| Net loans and leases to total assets | 67.9399% | 2,694 |
| Net loans and leases to deposits | 89.9541% | 1,538 |
| Net loans and leases to core deposits | 106.6027% | 1,058 |
| Total domestic deposits to total assets | 75.5273% | 5,282 |
| Equity capital to assets | 9.6643% | 4,107 |
| Core capital (leverage) ratio | 9.2190% | 4,454 |
| Tier 1 risk-based capital ratio | 11.9122% | 4,777 |
| Total risk-based capital ratio | 13.1633% | 4,674 |
| Memoranda: | ||
| Average total assets | $807,737,500 | 936 |
| Average earning assets | $760,914,500 | 918 |
| Average equity | $83,562,500 | 976 |
| Average total loans | $555,836,500 | 925 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1994% | 2,488 |
| Cost of funding earning assets | 0.9809% | 191 |
| Net interest margin | 3.2185% | 4,383 |
| Noninterest income to average assets | 0.3232% | 4,426 |
| Noninterest expense to average assets | 1.4399% | 5,751 |
| Loan and lease loss provision to assets | 0.1915% | 1,227 |
| Net operating income to assets | 1.6639% | 592 |
| Return on assets (ROA) | 1.8154% | 454 |
| Pretax return on assets | 1.8598% | 677 |
| Return on Equity (ROE) | 16.6336% | 442 |
| Retained earnings to average equity (ytd only) | 9.6137% | 477 |
| Net charge-offs to loans | -0.0004% | 4,630 |
| Credit loss provision to net charge-offs | -75,000.0000% | 5,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1551% | 5,720 |
| Assets per employee ($millions) | 7.4545% | 746 |
| Cash dividends to net income (ytd only)* | 42.2030% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4872% | 1,720 |
| Loan loss allowance to noncurrent loans | 230.8303% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.4703% | 3,376 |
| Noncurrent loans to loans | 0.6443% | 2,920 |
| Net loans and leases to total assets | 67.6473% | 2,833 |
| Net loans and leases to deposits | 92.1905% | 1,428 |
| Net loans and leases to core deposits | 110.6196% | 857 |
| Total domestic deposits to total assets | 73.3778% | 5,484 |
| Equity capital to assets | 11.0434% | 2,600 |
| Core capital (leverage) ratio | 10.7121% | 2,641 |
| Tier 1 risk-based capital ratio | 13.7908% | 3,587 |
| Total risk-based capital ratio | 15.0417% | 3,491 |
| Memoranda: | ||
| Average total assets | $783,112,200 | 921 |
| Average earning assets | $733,191,400 | 906 |
| Average equity | $85,471,800 | 930 |
| Average total loans | $527,719,400 | 932 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2034% | 2,499 |
| Cost of funding earning assets | 0.9729% | 194 |
| Net interest margin | 3.2305% | 4,400 |
| Noninterest income to average assets | 0.2899% | 4,695 |
| Noninterest expense to average assets | 1.4283% | 5,810 |
| Loan and lease loss provision to assets | 0.1924% | 1,122 |
| Net operating income to assets | 1.6486% | 660 |
| Return on assets (ROA) | 1.7902% | 530 |
| Pretax return on assets | 1.8347% | 830 |
| Return on Equity (ROE) | 16.4520% | 497 |
| Retained earnings to average equity (ytd only) | 7.0203% | 1,622 |
| Net charge-offs to loans | 0.0069% | 3,674 |
| Credit loss provision to net charge-offs | 4,166.6667% | 130 |
| Earnings coverage of net charge-offs (x) | 407.6194% | 220 |
| Efficiency ratio | 43.1391% | 5,765 |
| Assets per employee ($millions) | 7.4876% | 721 |
| Cash dividends to net income (ytd only)* | 57.3285% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4356% | 2,040 |
| Loan loss allowance to noncurrent loans | 285.6827% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.3668% | 3,952 |
| Noncurrent loans to loans | 0.5025% | 3,496 |
| Net loans and leases to total assets | 66.3460% | 3,061 |
| Net loans and leases to deposits | 90.6037% | 1,681 |
| Net loans and leases to core deposits | 109.8617% | 925 |
| Total domestic deposits to total assets | 73.2266% | 5,504 |
| Equity capital to assets | 11.0257% | 2,980 |
| Core capital (leverage) ratio | 10.2518% | 3,278 |
| Tier 1 risk-based capital ratio | 13.0534% | 4,130 |
| Total risk-based capital ratio | 14.3016% | 4,042 |
| Memoranda: | ||
| Average total assets | $779,481,750 | 922 |
| Average earning assets | $728,907,750 | 911 |
| Average equity | $84,818,250 | 945 |
| Average total loans | $522,718,250 | 936 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2681% | 2,264 |
| Cost of funding earning assets | 0.9631% | 205 |
| Net interest margin | 3.3050% | 4,215 |
| Noninterest income to average assets | 0.2686% | 4,861 |
| Noninterest expense to average assets | 1.4539% | 5,871 |
| Loan and lease loss provision to assets | 0.1942% | 1,119 |
| Net operating income to assets | 1.6687% | 617 |
| Return on assets (ROA) | 1.8649% | 444 |
| Pretax return on assets | 1.9061% | 688 |
| Return on Equity (ROE) | 17.2178% | 420 |
| Retained earnings to average equity (ytd only) | 2.8716% | 4,077 |
| Net charge-offs to loans | -0.0058% | 4,567 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3480% | 5,830 |
| Assets per employee ($millions) | 7.7411% | 635 |
| Cash dividends to net income (ytd only)* | 83.3218% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3689% | 2,440 |
| Loan loss allowance to noncurrent loans | 291.1198% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.3498% | 4,092 |
| Noncurrent loans to loans | 0.4702% | 3,676 |
| Net loans and leases to total assets | 66.9528% | 2,949 |
| Net loans and leases to deposits | 96.7410% | 996 |
| Net loans and leases to core deposits | 118.8079% | 545 |
| Total domestic deposits to total assets | 69.2084% | 5,807 |
| Equity capital to assets | 10.6204% | 3,509 |
| Core capital (leverage) ratio | 9.9809% | 3,584 |
| Tier 1 risk-based capital ratio | 12.6618% | 4,412 |
| Total risk-based capital ratio | 13.8692% | 4,338 |
| Memoranda: | ||
| Average total assets | $772,252,000 | 929 |
| Average earning assets | $720,977,000 | 921 |
| Average equity | $83,646,000 | 953 |
| Average total loans | $517,195,330 | 945 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2057% | 2,447 |
| Cost of funding earning assets | 0.9502% | 223 |
| Net interest margin | 3.2555% | 4,378 |
| Noninterest income to average assets | 0.2237% | 5,138 |
| Noninterest expense to average assets | 1.5242% | 5,894 |
| Loan and lease loss provision to assets | 0.1978% | 993 |
| Net operating income to assets | 1.5093% | 835 |
| Return on assets (ROA) | 1.7099% | 604 |
| Pretax return on assets | 1.7484% | 948 |
| Return on Equity (ROE) | 15.8916% | 547 |
| Retained earnings to average equity (ytd only) | -3.7216% | 5,530 |
| Net charge-offs to loans | -0.0071% | 4,402 |
| Credit loss provision to net charge-offs | -4,166.6667% | 5,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6721% | 5,783 |
| Assets per employee ($millions) | 7.5321% | 691 |
| Cash dividends to net income (ytd only)* | 123.4187% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3740% | 2,546 |
| Loan loss allowance to noncurrent loans | 222.8988% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.4448% | 3,810 |
| Noncurrent loans to loans | 0.6164% | 3,325 |
| Net loans and leases to total assets | 65.6611% | 2,999 |
| Net loans and leases to deposits | 92.9671% | 1,230 |
| Net loans and leases to core deposits | 114.8202% | 637 |
| Total domestic deposits to total assets | 70.6283% | 5,842 |
| Equity capital to assets | 10.7760% | 3,184 |
| Core capital (leverage) ratio | 10.1225% | 3,403 |
| Tier 1 risk-based capital ratio | 13.0041% | 4,265 |
| Total risk-based capital ratio | 14.2108% | 4,211 |
| Memoranda: | ||
| Average total assets | $758,161,500 | 947 |
| Average earning assets | $708,473,000 | 941 |
| Average equity | $81,577,500 | 978 |
| Average total loans | $505,171,000 | 970 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2438% | 2,405 |
| Cost of funding earning assets | 0.8944% | 296 |
| Net interest margin | 3.3494% | 4,114 |
| Noninterest income to average assets | 0.3991% | 4,044 |
| Noninterest expense to average assets | 1.5598% | 5,944 |
| Loan and lease loss provision to assets | 0.2239% | 914 |
| Net operating income to assets | 1.7055% | 571 |
| Return on assets (ROA) | 1.8223% | 479 |
| Pretax return on assets | 1.8642% | 705 |
| Return on Equity (ROE) | 16.9863% | 453 |
| Retained earnings to average equity (ytd only) | 9.5516% | 525 |
| Net charge-offs to loans | 0.2340% | 1,272 |
| Credit loss provision to net charge-offs | 143.1127% | 1,835 |
| Earnings coverage of net charge-offs (x) | 12.5850% | 2,448 |
| Efficiency ratio | 44.2043% | 5,977 |
| Assets per employee ($millions) | 7.9580% | 566 |
| Cash dividends to net income (ytd only)* | 43.7687% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 2,750 |
| Loan loss allowance to noncurrent loans | 194.6674% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 3,680 |
| Noncurrent loans to loans | 0.6842% | 3,149 |
| Net loans and leases to total assets | 65.7996% | 3,012 |
| Net loans and leases to deposits | 93.2585% | 1,280 |
| Net loans and leases to core deposits | 112.6467% | 739 |
| Total domestic deposits to total assets | 70.5561% | 5,870 |
| Equity capital to assets | 10.7434% | 3,083 |
| Core capital (leverage) ratio | 10.3686% | 3,088 |
| Tier 1 risk-based capital ratio | 13.5998% | 3,951 |
| Total risk-based capital ratio | 14.7810% | 3,924 |
| Memoranda: | ||
| Average total assets | $714,638,400 | 970 |
| Average earning assets | $667,725,800 | 953 |
| Average equity | $76,667,600 | 991 |
| Average total loans | $477,878,000 | 974 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2359% | 2,458 |
| Cost of funding earning assets | 0.8850% | 310 |
| Net interest margin | 3.3509% | 4,138 |
| Noninterest income to average assets | 0.3866% | 4,177 |
| Noninterest expense to average assets | 1.5508% | 6,010 |
| Loan and lease loss provision to assets | 0.1822% | 1,140 |
| Net operating income to assets | 1.7422% | 575 |
| Return on assets (ROA) | 1.8238% | 516 |
| Pretax return on assets | 1.8678% | 769 |
| Return on Equity (ROE) | 17.0062% | 467 |
| Retained earnings to average equity (ytd only) | 6.9725% | 1,702 |
| Net charge-offs to loans | 0.2090% | 1,243 |
| Credit loss provision to net charge-offs | 130.2294% | 1,877 |
| Earnings coverage of net charge-offs (x) | 14.0593% | 2,273 |
| Efficiency ratio | 44.0884% | 6,040 |
| Assets per employee ($millions) | 7.6949% | 618 |
| Cash dividends to net income (ytd only)* | 59.0001% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 3,100 |
| Loan loss allowance to noncurrent loans | 195.5896% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.6330% | 3,362 |
| Noncurrent loans to loans | 0.6642% | 3,338 |
| Net loans and leases to total assets | 66.3656% | 2,954 |
| Net loans and leases to deposits | 96.2866% | 977 |
| Net loans and leases to core deposits | 114.8264% | 640 |
| Total domestic deposits to total assets | 68.9251% | 6,012 |
| Equity capital to assets | 10.4064% | 3,700 |
| Core capital (leverage) ratio | 10.0907% | 3,513 |
| Tier 1 risk-based capital ratio | 13.3104% | 4,244 |
| Total risk-based capital ratio | 14.4726% | 4,229 |
| Memoranda: | ||
| Average total assets | $706,285,750 | 989 |
| Average earning assets | $659,897,250 | 971 |
| Average equity | $75,743,000 | 1,012 |
| Average total loans | $472,633,250 | 982 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1965% | 2,550 |
| Cost of funding earning assets | 0.8718% | 331 |
| Net interest margin | 3.3247% | 4,192 |
| Noninterest income to average assets | 0.3874% | 4,174 |
| Noninterest expense to average assets | 1.5684% | 6,070 |
| Loan and lease loss provision to assets | 0.1476% | 1,454 |
| Net operating income to assets | 1.7315% | 592 |
| Return on assets (ROA) | 1.8452% | 489 |
| Pretax return on assets | 1.8930% | 745 |
| Return on Equity (ROE) | 17.0296% | 482 |
| Retained earnings to average equity (ytd only) | 9.8899% | 688 |
| Net charge-offs to loans | -0.0090% | 4,894 |
| Credit loss provision to net charge-offs | -2,452.3810% | 5,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9167% | 6,084 |
| Assets per employee ($millions) | 7.3989% | 699 |
| Cash dividends to net income (ytd only)* | 41.9255% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 2,957 |
| Loan loss allowance to noncurrent loans | 133.7727% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.7242% | 3,212 |
| Noncurrent loans to loans | 1.0135% | 2,620 |
| Net loans and leases to total assets | 67.2110% | 2,767 |
| Net loans and leases to deposits | 98.3512% | 767 |
| Net loans and leases to core deposits | 117.5817% | 541 |
| Total domestic deposits to total assets | 68.3377% | 6,103 |
| Equity capital to assets | 10.4596% | 3,484 |
| Core capital (leverage) ratio | 10.3375% | 3,167 |
| Tier 1 risk-based capital ratio | 13.5097% | 4,220 |
| Total risk-based capital ratio | 14.7507% | 4,154 |
| Memoranda: | ||
| Average total assets | $698,041,000 | 1,002 |
| Average earning assets | $651,786,670 | 981 |
| Average equity | $75,633,000 | 1,019 |
| Average total loans | $466,333,670 | 994 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1855% | 2,516 |
| Cost of funding earning assets | 0.8689% | 338 |
| Net interest margin | 3.3165% | 4,147 |
| Noninterest income to average assets | 0.3605% | 4,322 |
| Noninterest expense to average assets | 1.6035% | 6,110 |
| Loan and lease loss provision to assets | 0.1169% | 1,763 |
| Net operating income to assets | 1.6794% | 617 |
| Return on assets (ROA) | 1.7542% | 557 |
| Pretax return on assets | 1.8109% | 849 |
| Return on Equity (ROE) | 15.8986% | 584 |
| Retained earnings to average equity (ytd only) | 15.8986% | 226 |
| Net charge-offs to loans | -0.0150% | 4,913 |
| Credit loss provision to net charge-offs | -1,176.4706% | 5,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4219% | 6,087 |
| Assets per employee ($millions) | 6.8231% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3739% | 3,042 |
| Loan loss allowance to noncurrent loans | 129.3915% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.7500% | 3,243 |
| Noncurrent loans to loans | 1.0618% | 2,638 |
| Net loans and leases to total assets | 65.7973% | 2,816 |
| Net loans and leases to deposits | 94.5715% | 929 |
| Net loans and leases to core deposits | 113.3838% | 598 |
| Total domestic deposits to total assets | 69.5741% | 6,151 |
| Equity capital to assets | 11.1110% | 2,850 |
| Core capital (leverage) ratio | 10.8097% | 2,614 |
| Tier 1 risk-based capital ratio | 14.1854% | 3,889 |
| Total risk-based capital ratio | 15.4354% | 3,819 |
| Memoranda: | ||
| Average total assets | $684,515,000 | 1,015 |
| Average earning assets | $638,496,000 | 1,002 |
| Average equity | $75,528,500 | 1,017 |
| Average total loans | $452,480,500 | 1,029 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3897% | 2,256 |
| Cost of funding earning assets | 0.9081% | 376 |
| Net interest margin | 3.4816% | 3,865 |
| Noninterest income to average assets | 0.4648% | 3,749 |
| Noninterest expense to average assets | 1.7410% | 6,127 |
| Loan and lease loss provision to assets | 0.1466% | 1,801 |
| Net operating income to assets | 1.7640% | 509 |
| Return on assets (ROA) | 1.9028% | 402 |
| Pretax return on assets | 1.9419% | 573 |
| Return on Equity (ROE) | 17.5549% | 440 |
| Retained earnings to average equity (ytd only) | 11.7175% | 320 |
| Net charge-offs to loans | 0.2504% | 1,711 |
| Credit loss provision to net charge-offs | 90.6489% | 2,638 |
| Earnings coverage of net charge-offs (x) | 12.0372% | 2,426 |
| Efficiency ratio | 47.2087% | 6,221 |
| Assets per employee ($millions) | 6.5988% | 1,003 |
| Cash dividends to net income (ytd only)* | 33.2522% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3984% | 2,958 |
| Loan loss allowance to noncurrent loans | 126.3741% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.7525% | 3,327 |
| Noncurrent loans to loans | 1.1065% | 2,616 |
| Net loans and leases to total assets | 64.5545% | 3,135 |
| Net loans and leases to deposits | 94.6924% | 1,018 |
| Net loans and leases to core deposits | 112.5695% | 667 |
| Total domestic deposits to total assets | 68.1728% | 6,264 |
| Equity capital to assets | 10.9541% | 2,944 |
| Core capital (leverage) ratio | 10.3796% | 3,076 |
| Tier 1 risk-based capital ratio | 14.1460% | 3,999 |
| Total risk-based capital ratio | 15.3961% | 3,928 |
| Memoranda: | ||
| Average total assets | $647,979,000 | 1,034 |
| Average earning assets | $599,837,200 | 1,025 |
| Average equity | $70,236,800 | 1,046 |
| Average total loans | $418,502,600 | 1,050 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4449% | 2,065 |
| Cost of funding earning assets | 0.8649% | 498 |
| Net interest margin | 3.5800% | 3,505 |
| Noninterest income to average assets | 0.2846% | 5,166 |
| Noninterest expense to average assets | 1.6070% | 6,278 |
| Loan and lease loss provision to assets | 0.1130% | 2,156 |
| Net operating income to assets | 1.8577% | 456 |
| Return on assets (ROA) | 2.0662% | 316 |
| Pretax return on assets | 2.1036% | 455 |
| Return on Equity (ROE) | 20.2546% | 268 |
| Retained earnings to average equity (ytd only) | 14.0982% | 245 |
| Net charge-offs to loans | 0.1373% | 2,422 |
| Credit loss provision to net charge-offs | 118.7335% | 1,931 |
| Earnings coverage of net charge-offs (x) | 21.0475% | 1,699 |
| Efficiency ratio | 44.5040% | 6,347 |
| Assets per employee ($millions) | 7.4900% | 645 |
| Cash dividends to net income (ytd only)* | 30.3951% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3996% | 3,179 |
| Loan loss allowance to noncurrent loans | 147.5960% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.6628% | 3,853 |
| Noncurrent loans to loans | 0.9483% | 3,189 |
| Net loans and leases to total assets | 68.9113% | 2,384 |
| Net loans and leases to deposits | 100.5805% | 582 |
| Net loans and leases to core deposits | 121.4956% | 362 |
| Total domestic deposits to total assets | 68.5136% | 6,328 |
| Equity capital to assets | 10.3324% | 3,752 |
| Core capital (leverage) ratio | 9.9996% | 3,681 |
| Tier 1 risk-based capital ratio | 12.9413% | 4,901 |
| Total risk-based capital ratio | 14.1918% | 4,818 |
| Memoranda: | ||
| Average total assets | $530,759,750 | 1,270 |
| Average earning assets | $493,140,000 | 1,258 |
| Average equity | $54,142,750 | 1,357 |
| Average total loans | $368,109,750 | 1,204 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4478% | 2,002 |
| Cost of funding earning assets | 0.8636% | 521 |
| Net interest margin | 3.5841% | 3,429 |
| Noninterest income to average assets | 0.2752% | 5,228 |
| Noninterest expense to average assets | 1.6037% | 6,356 |
| Loan and lease loss provision to assets | 0.0576% | 3,138 |
| Net operating income to assets | 1.9076% | 405 |
| Return on assets (ROA) | 2.1290% | 275 |
| Pretax return on assets | 2.1667% | 391 |
| Return on Equity (ROE) | 20.9678% | 243 |
| Retained earnings to average equity (ytd only) | 11.5058% | 476 |
| Net charge-offs to loans | -0.0267% | 5,645 |
| Credit loss provision to net charge-offs | -312.5000% | 5,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5215% | 6,408 |
| Assets per employee ($millions) | 7.5335% | 615 |
| Cash dividends to net income (ytd only)* | 45.1264% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4565% | 3,087 |
| Loan loss allowance to noncurrent loans | 126.3655% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.8253% | 3,497 |
| Noncurrent loans to loans | 1.1526% | 2,926 |
| Net loans and leases to total assets | 69.1671% | 2,205 |
| Net loans and leases to deposits | 100.6371% | 523 |
| Net loans and leases to core deposits | 122.8924% | 320 |
| Total domestic deposits to total assets | 68.7293% | 6,397 |
| Equity capital to assets | 10.0900% | 3,990 |
| Core capital (leverage) ratio | 9.8514% | 3,814 |
| Tier 1 risk-based capital ratio | 12.6709% | 5,105 |
| Total risk-based capital ratio | 13.9221% | 5,046 |
| Memoranda: | ||
| Average total assets | $520,430,670 | 1,290 |
| Average earning assets | $483,071,330 | 1,274 |
| Average equity | $52,843,000 | 1,374 |
| Average total loans | $359,945,670 | 1,225 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4413% | 1,984 |
| Cost of funding earning assets | 0.8627% | 552 |
| Net interest margin | 3.5786% | 3,341 |
| Noninterest income to average assets | 0.2334% | 5,488 |
| Noninterest expense to average assets | 1.6865% | 6,357 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8405% | 448 |
| Return on assets (ROA) | 2.1002% | 297 |
| Pretax return on assets | 2.1358% | 403 |
| Return on Equity (ROE) | 20.6136% | 259 |
| Retained earnings to average equity (ytd only) | 20.6136% | 107 |
| Net charge-offs to loans | -0.0265% | 5,494 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4094% | 6,385 |
| Assets per employee ($millions) | 7.5059% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5224% | 3,055 |
| Loan loss allowance to noncurrent loans | 109.9738% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.9737% | 3,312 |
| Noncurrent loans to loans | 1.3843% | 2,712 |
| Net loans and leases to total assets | 68.0313% | 2,218 |
| Net loans and leases to deposits | 94.1597% | 778 |
| Net loans and leases to core deposits | 111.7242% | 522 |
| Total domestic deposits to total assets | 72.2510% | 6,345 |
| Equity capital to assets | 10.3374% | 3,415 |
| Core capital (leverage) ratio | 10.3517% | 3,114 |
| Tier 1 risk-based capital ratio | 13.1140% | 4,947 |
| Total risk-based capital ratio | 14.3654% | 4,878 |
| Memoranda: | ||
| Average total assets | $505,671,500 | 1,336 |
| Average earning assets | $469,681,000 | 1,316 |
| Average equity | $51,519,500 | 1,405 |
| Average total loans | $346,915,500 | 1,264 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5300% | 2,094 |
| Cost of funding earning assets | 0.9004% | 735 |
| Net interest margin | 3.6296% | 3,330 |
| Noninterest income to average assets | 0.4218% | 4,287 |
| Noninterest expense to average assets | 1.5357% | 6,555 |
| Loan and lease loss provision to assets | 0.2705% | 1,305 |
| Net operating income to assets | 1.9342% | 377 |
| Return on assets (ROA) | 2.0943% | 290 |
| Pretax return on assets | 2.1274% | 365 |
| Return on Equity (ROE) | 21.0379% | 231 |
| Retained earnings to average equity (ytd only) | 14.8249% | 175 |
| Net charge-offs to loans | 0.0960% | 3,883 |
| Credit loss provision to net charge-offs | 431.4381% | 530 |
| Earnings coverage of net charge-offs (x) | 35.6455% | 1,047 |
| Efficiency ratio | 40.7329% | 6,681 |
| Assets per employee ($millions) | 7.1512% | 706 |
| Cash dividends to net income (ytd only)* | 29.5325% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6141% | 2,703 |
| Loan loss allowance to noncurrent loans | 124.8619% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.8986% | 3,645 |
| Noncurrent loans to loans | 1.2927% | 2,973 |
| Net loans and leases to total assets | 67.0038% | 2,517 |
| Net loans and leases to deposits | 94.7509% | 820 |
| Net loans and leases to core deposits | 113.0730% | 496 |
| Total domestic deposits to total assets | 70.7158% | 6,492 |
| Equity capital to assets | 10.0319% | 3,725 |
| Core capital (leverage) ratio | 10.0349% | 3,512 |
| Tier 1 risk-based capital ratio | 12.9771% | 4,984 |
| Total risk-based capital ratio | 14.2292% | 4,938 |
| Memoranda: | ||
| Average total assets | $476,966,200 | 1,392 |
| Average earning assets | $440,025,600 | 1,379 |
| Average equity | $47,481,000 | 1,477 |
| Average total loans | $311,582,200 | 1,359 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5330% | 2,111 |
| Cost of funding earning assets | 0.9000% | 816 |
| Net interest margin | 3.6330% | 3,311 |
| Noninterest income to average assets | 0.3172% | 5,161 |
| Noninterest expense to average assets | 1.5336% | 6,616 |
| Loan and lease loss provision to assets | 0.1833% | 1,984 |
| Net operating income to assets | 1.9205% | 421 |
| Return on assets (ROA) | 2.1540% | 290 |
| Pretax return on assets | 2.1873% | 399 |
| Return on Equity (ROE) | 21.6815% | 213 |
| Retained earnings to average equity (ytd only) | 15.2954% | 185 |
| Net charge-offs to loans | 0.0856% | 3,727 |
| Credit loss provision to net charge-offs | 331.6327% | 781 |
| Earnings coverage of net charge-offs (x) | 38.5811% | 1,031 |
| Efficiency ratio | 41.8352% | 6,715 |
| Assets per employee ($millions) | 7.1239% | 697 |
| Cash dividends to net income (ytd only)* | 29.4542% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5065% | 3,427 |
| Loan loss allowance to noncurrent loans | 127.7313% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 1.4127% | 2,839 |
| Noncurrent loans to loans | 1.1795% | 3,463 |
| Net loans and leases to total assets | 64.9989% | 2,800 |
| Net loans and leases to deposits | 94.0694% | 827 |
| Net loans and leases to core deposits | 108.9592% | 621 |
| Total domestic deposits to total assets | 69.0968% | 6,629 |
| Equity capital to assets | 9.7425% | 4,250 |
| Core capital (leverage) ratio | 10.0290% | 3,642 |
| Tier 1 risk-based capital ratio | 12.5671% | 5,416 |
| Total risk-based capital ratio | 13.8174% | 5,362 |
| Memoranda: | ||
| Average total assets | $472,848,750 | 1,412 |
| Average earning assets | $435,848,250 | 1,400 |
| Average equity | $46,976,000 | 1,504 |
| Average total loans | $305,466,500 | 1,386 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5834% | 1,897 |
| Cost of funding earning assets | 0.9138% | 837 |
| Net interest margin | 3.6696% | 3,084 |
| Noninterest income to average assets | 0.2803% | 5,445 |
| Noninterest expense to average assets | 1.4487% | 6,707 |
| Loan and lease loss provision to assets | 0.1714% | 2,194 |
| Net operating income to assets | 2.0099% | 349 |
| Return on assets (ROA) | 2.3227% | 221 |
| Pretax return on assets | 2.3565% | 326 |
| Return on Equity (ROE) | 23.2218% | 170 |
| Retained earnings to average equity (ytd only) | 14.6513% | 262 |
| Net charge-offs to loans | 0.1424% | 2,956 |
| Credit loss provision to net charge-offs | 187.7934% | 1,268 |
| Earnings coverage of net charge-offs (x) | 24.2300% | 1,305 |
| Efficiency ratio | 39.5738% | 6,812 |
| Assets per employee ($millions) | 6.8270% | 779 |
| Cash dividends to net income (ytd only)* | 36.9072% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 3,489 |
| Loan loss allowance to noncurrent loans | 298.8357% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.9901% | 3,783 |
| Noncurrent loans to loans | 0.5087% | 4,995 |
| Net loans and leases to total assets | 63.5408% | 3,001 |
| Net loans and leases to deposits | 92.1900% | 942 |
| Net loans and leases to core deposits | 101.1866% | 991 |
| Total domestic deposits to total assets | 68.9238% | 6,693 |
| Equity capital to assets | 9.7248% | 4,262 |
| Core capital (leverage) ratio | 9.8371% | 3,742 |
| Tier 1 risk-based capital ratio | 12.6933% | 5,359 |
| Total risk-based capital ratio | 13.9432% | 5,299 |
| Memoranda: | ||
| Average total assets | $466,615,670 | 1,424 |
| Average earning assets | $429,852,000 | 1,421 |
| Average equity | $46,671,670 | 1,516 |
| Average total loans | $299,159,330 | 1,414 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6332% | 1,732 |
| Cost of funding earning assets | 0.9265% | 866 |
| Net interest margin | 3.7068% | 2,824 |
| Noninterest income to average assets | 0.2558% | 5,625 |
| Noninterest expense to average assets | 1.4195% | 6,799 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.2212% | 233 |
| Return on assets (ROA) | 2.2817% | 232 |
| Pretax return on assets | 2.3058% | 354 |
| Return on Equity (ROE) | 22.4956% | 178 |
| Retained earnings to average equity (ytd only) | 22.4956% | 89 |
| Net charge-offs to loans | -0.0054% | 5,286 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7400% | 6,890 |
| Assets per employee ($millions) | 7.2392% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5423% | 3,652 |
| Loan loss allowance to noncurrent loans | 277.8334% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.4082% | 5,373 |
| Noncurrent loans to loans | 0.5551% | 5,052 |
| Net loans and leases to total assets | 61.1373% | 3,234 |
| Net loans and leases to deposits | 85.8340% | 1,366 |
| Net loans and leases to core deposits | 93.0844% | 1,409 |
| Total domestic deposits to total assets | 71.2273% | 6,696 |
| Equity capital to assets | 10.4490% | 3,603 |
| Core capital (leverage) ratio | 9.9514% | 3,454 |
| Tier 1 risk-based capital ratio | 12.9293% | 5,278 |
| Total risk-based capital ratio | 14.1819% | 5,225 |
| Memoranda: | ||
| Average total assets | $464,391,500 | 1,442 |
| Average earning assets | $427,003,500 | 1,439 |
| Average equity | $47,102,500 | 1,530 |
| Average total loans | $296,770,000 | 1,426 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1513% | 1,205 |
| Cost of funding earning assets | 1.1721% | 657 |
| Net interest margin | 3.9792% | 2,479 |
| Noninterest income to average assets | 0.2659% | 5,558 |
| Noninterest expense to average assets | 1.5194% | 6,860 |
| Loan and lease loss provision to assets | 0.0715% | 4,840 |
| Net operating income to assets | 2.3209% | 203 |
| Return on assets (ROA) | 2.3261% | 216 |
| Pretax return on assets | 2.3637% | 307 |
| Return on Equity (ROE) | 23.1901% | 171 |
| Retained earnings to average equity (ytd only) | 14.4015% | 184 |
| Net charge-offs to loans | -0.0109% | 6,473 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4713% | 6,957 |
| Assets per employee ($millions) | 7.2730% | 682 |
| Cash dividends to net income (ytd only)* | 37.8982% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4494% | 3,946 |
| Loan loss allowance to noncurrent loans | 305.5134% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.4020% | 5,477 |
| Noncurrent loans to loans | 0.4744% | 5,336 |
| Net loans and leases to total assets | 64.7545% | 2,765 |
| Net loans and leases to deposits | 88.1238% | 1,259 |
| Net loans and leases to core deposits | 97.1962% | 1,209 |
| Total domestic deposits to total assets | 73.4813% | 6,582 |
| Equity capital to assets | 9.8381% | 4,399 |
| Core capital (leverage) ratio | 9.5934% | 3,974 |
| Tier 1 risk-based capital ratio | 11.7618% | 5,924 |
| Total risk-based capital ratio | 12.9848% | 5,906 |
| Memoranda: | ||
| Average total assets | $419,718,200 | 1,563 |
| Average earning assets | $388,521,800 | 1,547 |
| Average equity | $42,099,800 | 1,652 |
| Average total loans | $274,144,000 | 1,517 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2538% | 1,092 |
| Cost of funding earning assets | 1.2287% | 605 |
| Net interest margin | 4.0251% | 2,396 |
| Noninterest income to average assets | 0.2557% | 5,733 |
| Noninterest expense to average assets | 1.5584% | 6,907 |
| Loan and lease loss provision to assets | 0.0980% | 4,346 |
| Net operating income to assets | 2.2872% | 244 |
| Return on assets (ROA) | 2.2837% | 267 |
| Pretax return on assets | 2.3229% | 390 |
| Return on Equity (ROE) | 22.6436% | 208 |
| Retained earnings to average equity (ytd only) | 13.9009% | 310 |
| Net charge-offs to loans | 0.0050% | 5,685 |
| Credit loss provision to net charge-offs | 3,000.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 742.5671% | 52 |
| Efficiency ratio | 39.1276% | 7,030 |
| Assets per employee ($millions) | 6.9942% | 743 |
| Cash dividends to net income (ytd only)* | 38.6100% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 3,977 |
| Loan loss allowance to noncurrent loans | 306.3459% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.4287% | 5,607 |
| Noncurrent loans to loans | 0.4876% | 5,474 |
| Net loans and leases to total assets | 65.7416% | 2,704 |
| Net loans and leases to deposits | 93.1010% | 865 |
| Net loans and leases to core deposits | 101.0116% | 1,055 |
| Total domestic deposits to total assets | 70.6132% | 6,817 |
| Equity capital to assets | 10.0485% | 4,427 |
| Core capital (leverage) ratio | 9.5559% | 4,187 |
| Tier 1 risk-based capital ratio | 11.7592% | 6,078 |
| Total risk-based capital ratio | 13.0092% | 6,056 |
| Memoranda: | ||
| Average total assets | $408,279,000 | 1,614 |
| Average earning assets | $378,051,250 | 1,599 |
| Average equity | $41,176,250 | 1,709 |
| Average total loans | $266,217,750 | 1,564 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2907% | 1,074 |
| Cost of funding earning assets | 1.2728% | 590 |
| Net interest margin | 4.0179% | 2,425 |
| Noninterest income to average assets | 0.2541% | 5,762 |
| Noninterest expense to average assets | 1.6181% | 6,910 |
| Loan and lease loss provision to assets | 0.0503% | 5,042 |
| Net operating income to assets | 2.2627% | 256 |
| Return on assets (ROA) | 2.2617% | 289 |
| Pretax return on assets | 2.3044% | 408 |
| Return on Equity (ROE) | 22.3951% | 237 |
| Retained earnings to average equity (ytd only) | 16.4164% | 206 |
| Net charge-offs to loans | 0.1611% | 3,637 |
| Credit loss provision to net charge-offs | 48.3092% | 4,075 |
| Earnings coverage of net charge-offs (x) | 22.6184% | 1,288 |
| Efficiency ratio | 40.7192% | 7,051 |
| Assets per employee ($millions) | 6.4732% | 972 |
| Cash dividends to net income (ytd only)* | 26.6963% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4918% | 4,049 |
| Loan loss allowance to noncurrent loans | 242.7704% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.5149% | 5,474 |
| Noncurrent loans to loans | 0.6145% | 5,284 |
| Net loans and leases to total assets | 63.6923% | 3,106 |
| Net loans and leases to deposits | 87.1049% | 1,460 |
| Net loans and leases to core deposits | 92.4085% | 1,744 |
| Total domestic deposits to total assets | 73.1213% | 6,736 |
| Equity capital to assets | 10.2348% | 4,012 |
| Core capital (leverage) ratio | 9.9024% | 3,570 |
| Tier 1 risk-based capital ratio | 12.3310% | 5,702 |
| Total risk-based capital ratio | 13.5670% | 5,687 |
| Memoranda: | ||
| Average total assets | $397,494,330 | 1,666 |
| Average earning assets | $368,003,670 | 1,643 |
| Average equity | $40,142,670 | 1,740 |
| Average total loans | $256,933,000 | 1,620 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3290% | 1,043 |
| Cost of funding earning assets | 1.3128% | 602 |
| Net interest margin | 4.0162% | 2,438 |
| Noninterest income to average assets | 0.2210% | 6,033 |
| Noninterest expense to average assets | 1.6510% | 6,936 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.2349% | 273 |
| Return on assets (ROA) | 2.2328% | 326 |
| Pretax return on assets | 2.2822% | 468 |
| Return on Equity (ROE) | 22.2692% | 269 |
| Retained earnings to average equity (ytd only) | 14.5796% | 501 |
| Net charge-offs to loans | 0.3261% | 2,344 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 10.8390% | 1,726 |
| Efficiency ratio | 41.9540% | 7,058 |
| Assets per employee ($millions) | 6.0803% | 1,228 |
| Cash dividends to net income (ytd only)* | 34.5304% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5723% | 3,838 |
| Loan loss allowance to noncurrent loans | 291.5482% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.4687% | 5,684 |
| Noncurrent loans to loans | 0.5393% | 5,582 |
| Net loans and leases to total assets | 62.7084% | 3,122 |
| Net loans and leases to deposits | 79.5319% | 2,268 |
| Net loans and leases to core deposits | 84.4087% | 2,496 |
| Total domestic deposits to total assets | 78.8469% | 6,108 |
| Equity capital to assets | 10.2755% | 3,755 |
| Core capital (leverage) ratio | 9.8642% | 3,548 |
| Tier 1 risk-based capital ratio | 13.2436% | 5,039 |
| Total risk-based capital ratio | 14.4978% | 5,011 |
| Memoranda: | ||
| Average total assets | $389,099,500 | 1,709 |
| Average earning assets | $359,842,000 | 1,686 |
| Average equity | $39,013,500 | 1,779 |
| Average total loans | $251,468,000 | 1,650 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4067% | 44 |
| Cost of funding earning assets | 2.3488% | 38 |
| Net interest margin | 6.0579% | 85 |
| Noninterest income to average assets | 0.4543% | 4,186 |
| Noninterest expense to average assets | 2.7295% | 4,623 |
| Loan and lease loss provision to assets | 0.4355% | 2,419 |
| Net operating income to assets | 2.8505% | 97 |
| Return on assets (ROA) | 2.5537% | 131 |
| Pretax return on assets | 2.6085% | 177 |
| Return on Equity (ROE) | 27.3865% | 66 |
| Retained earnings to average equity (ytd only) | 20.3171% | 43 |
| Net charge-offs to loans | 0.6946% | 2,419 |
| Credit loss provision to net charge-offs | 88.4023% | 4,082 |
| Earnings coverage of net charge-offs (x) | 6.7940% | 2,445 |
| Efficiency ratio | 44.9208% | 7,095 |
| Assets per employee ($millions) | 6.4843% | 967 |
| Cash dividends to net income (ytd only)* | 25.8135% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6085% | 3,553 |
| Loan loss allowance to noncurrent loans | 289.6893% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.5066% | 5,700 |
| Noncurrent loans to loans | 0.5553% | 5,610 |
| Net loans and leases to total assets | 64.4921% | 3,083 |
| Net loans and leases to deposits | 83.1589% | 2,046 |
| Net loans and leases to core deposits | 89.6332% | 2,178 |
| Total domestic deposits to total assets | 77.5528% | 6,269 |
| Equity capital to assets | 9.7777% | 4,472 |
| Core capital (leverage) ratio | 9.5235% | 3,986 |
| Tier 1 risk-based capital ratio | 12.0365% | 5,812 |
| Total risk-based capital ratio | 13.2876% | 5,791 |
| Memoranda: | ||
| Average total assets | $250,300,800 | 2,518 |
| Average earning assets | $232,291,000 | 2,487 |
| Average equity | $23,340,000 | 2,743 |
| Average total loans | $177,507,800 | 2,286 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8263% | 666 |
| Cost of funding earning assets | 1.6061% | 562 |
| Net interest margin | 4.2202% | 2,022 |
| Noninterest income to average assets | 0.2671% | 5,703 |
| Noninterest expense to average assets | 1.7531% | 7,042 |
| Loan and lease loss provision to assets | 0.3339% | 2,873 |
| Net operating income to assets | 2.0619% | 310 |
| Return on assets (ROA) | 2.0122% | 362 |
| Pretax return on assets | 2.0468% | 575 |
| Return on Equity (ROE) | 22.0626% | 216 |
| Retained earnings to average equity (ytd only) | 15.2825% | 213 |
| Net charge-offs to loans | 0.4781% | 2,822 |
| Credit loss provision to net charge-offs | 95.2381% | 3,596 |
| Earnings coverage of net charge-offs (x) | 6.9348% | 2,451 |
| Efficiency ratio | 41.8945% | 7,212 |
| Assets per employee ($millions) | 6.7728% | 828 |
| Cash dividends to net income (ytd only)* | 30.7314% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4692% | 4,252 |
| Loan loss allowance to noncurrent loans | 156.5217% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.6998% | 5,395 |
| Noncurrent loans to loans | 0.9387% | 5,004 |
| Net loans and leases to total assets | 73.4539% | 1,418 |
| Net loans and leases to deposits | 102.0526% | 383 |
| Net loans and leases to core deposits | 109.2398% | 710 |
| Total domestic deposits to total assets | 71.9765% | 6,935 |
| Equity capital to assets | 9.2706% | 5,424 |
| Core capital (leverage) ratio | 9.3857% | 4,329 |
| Tier 1 risk-based capital ratio | 10.8083% | 6,655 |
| Total risk-based capital ratio | 12.0582% | 6,638 |
| Memoranda: | ||
| Average total assets | $215,611,000 | 2,895 |
| Average earning assets | $200,143,250 | 2,859 |
| Average equity | $19,664,750 | 3,196 |
| Average total loans | $158,131,000 | 2,547 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8176% | 700 |
| Cost of funding earning assets | 1.6510% | 567 |
| Net interest margin | 4.1665% | 2,169 |
| Noninterest income to average assets | 0.2808% | 5,643 |
| Noninterest expense to average assets | 1.7711% | 7,109 |
| Loan and lease loss provision to assets | 0.3381% | 2,764 |
| Net operating income to assets | 2.0005% | 343 |
| Return on assets (ROA) | 1.9222% | 414 |
| Pretax return on assets | 1.9570% | 637 |
| Return on Equity (ROE) | 21.1982% | 264 |
| Retained earnings to average equity (ytd only) | 21.1982% | 75 |
| Net charge-offs to loans | 0.7920% | 1,921 |
| Credit loss provision to net charge-offs | 58.5366% | 4,378 |
| Earnings coverage of net charge-offs (x) | 4.1122% | 2,958 |
| Efficiency ratio | 42.7180% | 7,280 |
| Assets per employee ($millions) | 6.3177% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 4,832 |
| Loan loss allowance to noncurrent loans | 373.1092% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.2691% | 6,453 |
| Noncurrent loans to loans | 0.3620% | 6,182 |
| Net loans and leases to total assets | 73.3317% | 1,529 |
| Net loans and leases to deposits | 101.3475% | 435 |
| Net loans and leases to core deposits | 107.5172% | 838 |
| Total domestic deposits to total assets | 72.3566% | 6,984 |
| Equity capital to assets | 9.2307% | 5,231 |
| Core capital (leverage) ratio | 9.5874% | 3,831 |
| Tier 1 risk-based capital ratio | 10.8218% | 6,642 |
| Total risk-based capital ratio | 11.9900% | 6,675 |
| Memoranda: | ||
| Average total assets | $212,980,670 | 2,938 |
| Average earning assets | $197,573,670 | 2,906 |
| Average equity | $19,313,000 | 3,228 |
| Average total loans | $155,301,670 | 2,607 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8679% | 645 |
| Cost of funding earning assets | 1.7180% | 517 |
| Net interest margin | 4.1498% | 2,082 |
| Noninterest income to average assets | 0.2298% | 6,078 |
| Noninterest expense to average assets | 1.6907% | 7,238 |
| Loan and lease loss provision to assets | 0.2298% | 3,351 |
| Net operating income to assets | 2.0948% | 302 |
| Return on assets (ROA) | 1.7271% | 587 |
| Pretax return on assets | 1.7634% | 875 |
| Return on Equity (ROE) | 19.2283% | 380 |
| Retained earnings to average equity (ytd only) | 19.2283% | 188 |
| Net charge-offs to loans | 1.1063% | 1,250 |
| Credit loss provision to net charge-offs | 28.7770% | 4,137 |
| Earnings coverage of net charge-offs (x) | 2.9664% | 2,897 |
| Efficiency ratio | 41.6509% | 7,354 |
| Assets per employee ($millions) | 6.0335% | 1,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4609% | 4,388 |
| Loan loss allowance to noncurrent loans | 261.1511% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.4252% | 6,142 |
| Noncurrent loans to loans | 0.5594% | 5,906 |
| Net loans and leases to total assets | 69.5692% | 2,207 |
| Net loans and leases to deposits | 91.6240% | 1,054 |
| Net loans and leases to core deposits | 97.1942% | 1,581 |
| Total domestic deposits to total assets | 75.9290% | 6,681 |
| Equity capital to assets | 9.2413% | 4,825 |
| Core capital (leverage) ratio | 9.2810% | 4,150 |
| Tier 1 risk-based capital ratio | 10.9657% | 6,533 |
| Total risk-based capital ratio | 12.1955% | 6,523 |
| Memoranda: | ||
| Average total assets | $208,911,000 | 3,000 |
| Average earning assets | $192,778,500 | 2,974 |
| Average equity | $18,764,000 | 3,289 |
| Average total loans | $150,767,000 | 2,704 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0822% | 722 |
| Cost of funding earning assets | 1.9697% | 675 |
| Net interest margin | 4.1125% | 2,510 |
| Noninterest income to average assets | 0.2723% | 5,838 |
| Noninterest expense to average assets | 1.8006% | 7,264 |
| Loan and lease loss provision to assets | 0.3159% | 4,276 |
| Net operating income to assets | 1.9388% | 312 |
| Return on assets (ROA) | 1.7098% | 545 |
| Pretax return on assets | 1.7454% | 863 |
| Return on Equity (ROE) | 20.2884% | 237 |
| Retained earnings to average equity (ytd only) | 16.4211% | 90 |
| Net charge-offs to loans | 0.2320% | 4,890 |
| Credit loss provision to net charge-offs | 195.6522% | 1,620 |
| Earnings coverage of net charge-offs (x) | 14.2143% | 1,358 |
| Efficiency ratio | 43.9643% | 7,422 |
| Assets per employee ($millions) | 5.9043% | 1,278 |
| Cash dividends to net income (ytd only)* | 19.0616% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6229% | 3,494 |
| Loan loss allowance to noncurrent loans | 195.2644% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.6388% | 5,718 |
| Noncurrent loans to loans | 0.8311% | 5,390 |
| Net loans and leases to total assets | 72.5726% | 1,971 |
| Net loans and leases to deposits | 97.1573% | 772 |
| Net loans and leases to core deposits | 104.7737% | 1,265 |
| Total domestic deposits to total assets | 74.6960% | 6,808 |
| Equity capital to assets | 8.7166% | 5,558 |
| Core capital (leverage) ratio | 9.0412% | 4,470 |
| Tier 1 risk-based capital ratio | 10.2116% | 6,866 |
| Total risk-based capital ratio | 11.4628% | 6,843 |
| Memoranda: | ||
| Average total assets | $199,437,400 | 3,109 |
| Average earning assets | $185,409,600 | 3,057 |
| Average equity | $16,807,600 | 3,627 |
| Average total loans | $138,764,200 | 2,972 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1157% | 738 |
| Cost of funding earning assets | 2.0129% | 721 |
| Net interest margin | 4.1028% | 2,608 |
| Noninterest income to average assets | 0.2415% | 6,164 |
| Noninterest expense to average assets | 1.8154% | 7,311 |
| Loan and lease loss provision to assets | 0.4250% | 3,361 |
| Net operating income to assets | 1.7762% | 542 |
| Return on assets (ROA) | 1.6063% | 807 |
| Pretax return on assets | 1.6421% | 1,236 |
| Return on Equity (ROE) | 19.2327% | 374 |
| Retained earnings to average equity (ytd only) | 15.5977% | 186 |
| Net charge-offs to loans | 0.2581% | 4,397 |
| Credit loss provision to net charge-offs | 240.4580% | 1,407 |
| Earnings coverage of net charge-offs (x) | 12.6757% | 1,663 |
| Efficiency ratio | 44.7605% | 7,437 |
| Assets per employee ($millions) | 6.0775% | 1,196 |
| Cash dividends to net income (ytd only)* | 18.8998% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7052% | 3,133 |
| Loan loss allowance to noncurrent loans | 172.4490% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.7951% | 5,508 |
| Noncurrent loans to loans | 0.9888% | 5,262 |
| Net loans and leases to total assets | 70.7190% | 2,558 |
| Net loans and leases to deposits | 96.7800% | 901 |
| Net loans and leases to core deposits | 103.0528% | 1,561 |
| Total domestic deposits to total assets | 73.0720% | 7,024 |
| Equity capital to assets | 8.8441% | 5,791 |
| Core capital (leverage) ratio | 8.7590% | 5,089 |
| Tier 1 risk-based capital ratio | 9.8678% | 7,128 |
| Total risk-based capital ratio | 11.1253% | 7,119 |
| Memoranda: | ||
| Average total assets | $197,634,000 | 3,175 |
| Average earning assets | $183,740,250 | 3,127 |
| Average equity | $16,506,250 | 3,724 |
| Average total loans | $135,343,750 | 3,070 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0166% | 910 |
| Cost of funding earning assets | 2.0836% | 700 |
| Net interest margin | 3.9329% | 3,311 |
| Noninterest income to average assets | 0.2456% | 6,156 |
| Noninterest expense to average assets | 1.7674% | 7,431 |
| Loan and lease loss provision to assets | 0.3083% | 3,917 |
| Net operating income to assets | 1.7769% | 508 |
| Return on assets (ROA) | 1.3862% | 1,184 |
| Pretax return on assets | 1.4232% | 1,771 |
| Return on Equity (ROE) | 16.9508% | 574 |
| Retained earnings to average equity (ytd only) | 13.1811% | 361 |
| Net charge-offs to loans | 0.4324% | 3,261 |
| Credit loss provision to net charge-offs | 106.0071% | 3,845 |
| Earnings coverage of net charge-offs (x) | 7.3392% | 2,316 |
| Efficiency ratio | 45.2989% | 7,469 |
| Assets per employee ($millions) | 6.0598% | 1,186 |
| Cash dividends to net income (ytd only)* | 22.2387% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5744% | 3,564 |
| Loan loss allowance to noncurrent loans | 130.0000% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.9611% | 5,212 |
| Noncurrent loans to loans | 1.2111% | 4,941 |
| Net loans and leases to total assets | 68.2759% | 3,297 |
| Net loans and leases to deposits | 91.8635% | 1,554 |
| Net loans and leases to core deposits | 96.6250% | 2,374 |
| Total domestic deposits to total assets | 74.3232% | 6,938 |
| Equity capital to assets | 8.4171% | 6,273 |
| Core capital (leverage) ratio | 8.5024% | 5,405 |
| Tier 1 risk-based capital ratio | 9.7023% | 7,183 |
| Total risk-based capital ratio | 10.9522% | 7,171 |
| Memoranda: | ||
| Average total assets | $194,633,330 | 3,241 |
| Average earning assets | $180,933,330 | 3,185 |
| Average equity | $15,916,670 | 3,817 |
| Average total loans | $130,903,000 | 3,181 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0113% | 958 |
| Cost of funding earning assets | 2.1580% | 672 |
| Net interest margin | 3.8533% | 3,544 |
| Noninterest income to average assets | 0.2959% | 5,779 |
| Noninterest expense to average assets | 1.7170% | 7,560 |
| Loan and lease loss provision to assets | 0.2500% | 4,045 |
| Net operating income to assets | 1.8520% | 446 |
| Return on assets (ROA) | 1.3648% | 1,223 |
| Pretax return on assets | 1.4024% | 1,772 |
| Return on Equity (ROE) | 16.9481% | 612 |
| Retained earnings to average equity (ytd only) | 13.0668% | 611 |
| Net charge-offs to loans | 0.9229% | 1,742 |
| Credit loss provision to net charge-offs | 40.9556% | 4,627 |
| Earnings coverage of net charge-offs (x) | 3.5290% | 2,878 |
| Efficiency ratio | 44.3488% | 7,610 |
| Assets per employee ($millions) | 5.8830% | 1,351 |
| Cash dividends to net income (ytd only)* | 22.9008% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 3,723 |
| Loan loss allowance to noncurrent loans | 131.3364% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 1.0487% | 5,044 |
| Noncurrent loans to loans | 1.1688% | 5,023 |
| Net loans and leases to total assets | 65.9165% | 3,868 |
| Net loans and leases to deposits | 84.6485% | 2,828 |
| Net loans and leases to core deposits | 89.1298% | 3,478 |
| Total domestic deposits to total assets | 77.8709% | 6,348 |
| Equity capital to assets | 8.2596% | 6,353 |
| Core capital (leverage) ratio | 8.4090% | 5,543 |
| Tier 1 risk-based capital ratio | 9.6691% | 7,224 |
| Total risk-based capital ratio | 10.8546% | 7,242 |
| Memoranda: | ||
| Average total assets | $191,963,000 | 3,340 |
| Average earning assets | $178,131,000 | 3,282 |
| Average equity | $15,459,000 | 3,935 |
| Average total loans | $126,995,500 | 3,327 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5651% | 587 |
| Cost of funding earning assets | 2.7079% | 570 |
| Net interest margin | 3.8572% | 3,449 |
| Noninterest income to average assets | 0.3440% | 5,632 |
| Noninterest expense to average assets | 1.8475% | 7,568 |
| Loan and lease loss provision to assets | 0.3928% | 4,437 |
| Net operating income to assets | 1.6601% | 478 |
| Return on assets (ROA) | 1.2088% | 1,274 |
| Pretax return on assets | 1.2453% | 1,839 |
| Return on Equity (ROE) | 17.6231% | 395 |
| Retained earnings to average equity (ytd only) | 17.6231% | 58 |
| Net charge-offs to loans | 0.7662% | 2,908 |
| Credit loss provision to net charge-offs | 79.2752% | 6,300 |
| Earnings coverage of net charge-offs (x) | 4.2446% | 3,012 |
| Efficiency ratio | 46.7614% | 7,675 |
| Assets per employee ($millions) | 5.9309% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7472% | 2,722 |
| Loan loss allowance to noncurrent loans | 112.7471% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 1.2851% | 4,515 |
| Noncurrent loans to loans | 1.5497% | 4,327 |
| Net loans and leases to total assets | 64.2085% | 4,559 |
| Net loans and leases to deposits | 82.3785% | 3,567 |
| Net loans and leases to core deposits | 100.1019% | 3,986 |
| Total domestic deposits to total assets | 77.9433% | 6,230 |
| Equity capital to assets | 7.8419% | 6,726 |
| Core capital (leverage) ratio | 8.4537% | 5,357 |
| Tier 1 risk-based capital ratio | 9.6351% | 7,132 |
| Total risk-based capital ratio | 10.8855% | 7,113 |
| Memoranda: | ||
| Average total assets | $178,187,200 | 3,469 |
| Average earning assets | $166,624,200 | 3,400 |
| Average equity | $12,222,600 | 4,702 |
| Average total loans | $115,244,200 | 3,574 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6903% | 519 |
| Cost of funding earning assets | 2.8093% | 583 |
| Net interest margin | 3.8809% | 3,303 |
| Noninterest income to average assets | 0.3050% | 6,041 |
| Noninterest expense to average assets | 1.8514% | 7,606 |
| Loan and lease loss provision to assets | 0.3955% | 3,940 |
| Net operating income to assets | 1.6611% | 597 |
| Return on assets (ROA) | 1.4117% | 1,067 |
| Pretax return on assets | 1.4483% | 1,568 |
| Return on Equity (ROE) | 21.4112% | 230 |
| Retained earnings to average equity (ytd only) | 21.4112% | 49 |
| Net charge-offs to loans | 1.0615% | 1,872 |
| Credit loss provision to net charge-offs | 57.7778% | 6,203 |
| Earnings coverage of net charge-offs (x) | 3.0689% | 3,696 |
| Efficiency ratio | 46.8437% | 7,731 |
| Assets per employee ($millions) | 5.4937% | 1,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6558% | 2,783 |
| Loan loss allowance to noncurrent loans | 100.6643% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 1.4220% | 4,261 |
| Noncurrent loans to loans | 1.6449% | 4,178 |
| Net loans and leases to total assets | 64.5403% | 4,740 |
| Net loans and leases to deposits | 84.8067% | 3,521 |
| Net loans and leases to core deposits | 105.3292% | 3,778 |
| Total domestic deposits to total assets | 76.1028% | 6,564 |
| Equity capital to assets | 7.9805% | 6,862 |
| Core capital (leverage) ratio | 8.5754% | 5,339 |
| Tier 1 risk-based capital ratio | 9.6887% | 7,246 |
| Total risk-based capital ratio | 10.9233% | 7,215 |
| Memoranda: | ||
| Average total assets | $175,287,000 | 3,526 |
| Average earning assets | $164,733,000 | 3,467 |
| Average equity | $11,557,500 | 4,908 |
| Average total loans | $113,048,500 | 3,652 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7718% | 474 |
| Cost of funding earning assets | 2.9131% | 590 |
| Net interest margin | 3.8587% | 3,300 |
| Noninterest income to average assets | 0.3024% | 6,104 |
| Noninterest expense to average assets | 1.9021% | 7,623 |
| Loan and lease loss provision to assets | 0.1847% | 5,178 |
| Net operating income to assets | 1.7847% | 484 |
| Return on assets (ROA) | 1.2373% | 1,467 |
| Pretax return on assets | 1.2730% | 2,101 |
| Return on Equity (ROE) | 20.2506% | 324 |
| Retained earnings to average equity (ytd only) | 20.2506% | 73 |
| Net charge-offs to loans | 0.6392% | 2,441 |
| Credit loss provision to net charge-offs | 45.0704% | 5,826 |
| Earnings coverage of net charge-offs (x) | 4.9352% | 2,952 |
| Efficiency ratio | 48.4706% | 7,736 |
| Assets per employee ($millions) | 5.5623% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8844% | 1,831 |
| Loan loss allowance to noncurrent loans | 29.2124% | 6,548 |
| Noncurrent assets plus other real estate owned to assets | 4.3569% | 1,315 |
| Noncurrent loans to loans | 6.4506% | 823 |
| Net loans and leases to total assets | 63.0398% | 5,175 |
| Net loans and leases to deposits | 82.0041% | 4,221 |
| Net loans and leases to core deposits | 103.4662% | 4,127 |
| Total domestic deposits to total assets | 76.8739% | 6,357 |
| Equity capital to assets | 6.5704% | 7,800 |
| Core capital (leverage) ratio | 8.3134% | 5,772 |
| Tier 1 risk-based capital ratio | 9.4234% | 7,455 |
| Total risk-based capital ratio | 10.6750% | 7,419 |
| Memoranda: | ||
| Average total assets | $173,285,000 | 3,581 |
| Average earning assets | $162,644,670 | 3,513 |
| Average equity | $10,587,330 | 5,189 |
| Average total loans | $111,072,330 | 3,742 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2869% | 229 |
| Cost of funding earning assets | 3.0320% | 563 |
| Net interest margin | 4.2548% | 1,728 |
| Noninterest income to average assets | 0.2621% | 6,359 |
| Noninterest expense to average assets | 1.7528% | 7,758 |
| Loan and lease loss provision to assets | 0.2340% | 4,107 |
| Net operating income to assets | 2.1774% | 241 |
| Return on assets (ROA) | 0.9688% | 2,573 |
| Pretax return on assets | 1.0063% | 3,325 |
| Return on Equity (ROE) | 16.5047% | 753 |
| Retained earnings to average equity (ytd only) | 16.5047% | 303 |
| Net charge-offs to loans | 1.0125% | 1,330 |
| Credit loss provision to net charge-offs | 36.1011% | 4,873 |
| Earnings coverage of net charge-offs (x) | 3.8556% | 3,041 |
| Efficiency ratio | 41.2218% | 8,016 |
| Assets per employee ($millions) | 5.0760% | 1,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9951% | 1,432 |
| Loan loss allowance to noncurrent loans | 78.0251% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 1.6595% | 3,427 |
| Noncurrent loans to loans | 2.5570% | 2,578 |
| Net loans and leases to total assets | 61.8514% | 5,362 |
| Net loans and leases to deposits | 78.8752% | 4,790 |
| Net loans and leases to core deposits | 99.6723% | 4,571 |
| Total domestic deposits to total assets | 78.4168% | 5,883 |
| Equity capital to assets | 5.8708% | 8,020 |
| Core capital (leverage) ratio | 8.2150% | 6,069 |
| Tier 1 risk-based capital ratio | 9.3370% | 7,559 |
| Total risk-based capital ratio | 10.5893% | 7,524 |
| Memoranda: | ||
| Average total assets | $170,930,500 | 3,637 |
| Average earning assets | $160,288,000 | 3,563 |
| Average equity | $10,033,500 | 5,375 |
| Average total loans | $109,427,500 | 3,798 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9004% | 1,396 |
| Cost of funding earning assets | 3.6543% | 313 |
| Net interest margin | 3.2462% | 6,224 |
| Noninterest income to average assets | 0.3025% | 6,284 |
| Noninterest expense to average assets | 1.8501% | 7,692 |
| Loan and lease loss provision to assets | -0.4516% | 8,293 |
| Net operating income to assets | 1.8793% | 453 |
| Return on assets (ROA) | 1.3637% | 1,267 |
| Pretax return on assets | 1.3998% | 1,973 |
| Return on Equity (ROE) | 19.2732% | 432 |
| Retained earnings to average equity (ytd only) | 16.0823% | 66 |
| Net charge-offs to loans | -0.7098% | 8,228 |
| Credit loss provision to net charge-offs | 100.2865% | 5,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5599% | 7,078 |
| Assets per employee ($millions) | 5.1296% | 1,798 |
| Cash dividends to net income (ytd only)* | 16.5563% | 4,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1376% | 1,016 |
| Loan loss allowance to noncurrent loans | 170.7849% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.8589% | 4,701 |
| Noncurrent loans to loans | 1.2516% | 4,011 |
| Net loans and leases to total assets | 63.5564% | 5,362 |
| Net loans and leases to deposits | 81.4035% | 4,808 |
| Net loans and leases to core deposits | 104.5275% | 4,343 |
| Total domestic deposits to total assets | 78.0757% | 5,689 |
| Equity capital to assets | 5.8690% | 8,080 |
| Core capital (leverage) ratio | 8.2688% | 6,013 |
| Tier 1 risk-based capital ratio | 9.8763% | 6,876 |
| Total risk-based capital ratio | 11.1322% | 6,751 |
| Memoranda: | ||
| Average total assets | $155,018,000 | 3,803 |
| Average earning assets | $144,571,200 | 3,745 |
| Average equity | $10,968,600 | 5,134 |
| Average total loans | $98,343,800 | 3,996 |