Home > Generations Bank > Performance and Condition Ratios
Generations Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0219% | 617 |
| Cost of funding earning assets | 2.1302% | 732 |
| Net interest margin | 3.8917% | 1,395 |
| Noninterest income to average assets | 0.7600% | 1,035 |
| Noninterest expense to average assets | 2.5858% | 2,051 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.3589% | 1,300 |
| Return on assets (ROA) | 1.3564% | 1,276 |
| Pretax return on assets | 1.7339% | 1,001 |
| Return on Equity (ROE) | 13.8400% | 1,519 |
| Retained earnings to average equity (ytd only) | 8.8591% | 1,289 |
| Net charge-offs to loans | 0.0934% | 950 |
| Credit loss provision to net charge-offs | 96.3222% | 1,884 |
| Earnings coverage of net charge-offs (x) | 26.8109% | 1,697 |
| Efficiency ratio | 58.6063% | 3,230 |
| Assets per employee ($millions) | 6.6843% | 2,282 |
| Cash dividends to net income (ytd only)* | 36.0056% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 3,315 |
| Loan loss allowance to noncurrent loans | 484.2802% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.1502% | 2,518 |
| Noncurrent loans to loans | 0.2063% | 2,481 |
| Net loans and leases to total assets | 68.8600% | 1,935 |
| Net loans and leases to deposits | 83.2299% | 1,838 |
| Net loans and leases to core deposits | 112.5717% | 866 |
| Total domestic deposits to total assets | 82.7400% | 2,956 |
| Equity capital to assets | 9.7598% | 2,154 |
| Core capital (leverage) ratio | 11.0463% | 1,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6504% | 2,361 |
| Memoranda: | ||
| Average total assets | $849,724,600 | 1,133 |
| Average earning assets | $792,244,000 | 1,115 |
| Average equity | $83,258,800 | 1,100 |
| Average total loans | $611,292,400 | 1,079 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8228% | 661 |
| Cost of funding earning assets | 1.9876% | 718 |
| Net interest margin | 3.8351% | 1,528 |
| Noninterest income to average assets | 0.8700% | 813 |
| Noninterest expense to average assets | 2.6194% | 1,879 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.3976% | 1,319 |
| Return on assets (ROA) | 1.3943% | 1,318 |
| Pretax return on assets | 1.7629% | 1,057 |
| Return on Equity (ROE) | 14.2200% | 1,600 |
| Retained earnings to average equity (ytd only) | 9.4315% | 1,567 |
| Net charge-offs to loans | 0.0583% | 1,088 |
| Credit loss provision to net charge-offs | 131.5789% | 1,411 |
| Earnings coverage of net charge-offs (x) | 43.0789% | 1,403 |
| Efficiency ratio | 58.6386% | 3,131 |
| Assets per employee ($millions) | 6.6182% | 2,234 |
| Cash dividends to net income (ytd only)* | 33.6527% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 3,194 |
| Loan loss allowance to noncurrent loans | 3,027.7512% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 3,572 |
| Noncurrent loans to loans | 0.0341% | 3,523 |
| Net loans and leases to total assets | 69.9000% | 1,838 |
| Net loans and leases to deposits | 84.1314% | 1,728 |
| Net loans and leases to core deposits | 133.8850% | 294 |
| Total domestic deposits to total assets | 83.0900% | 2,999 |
| Equity capital to assets | 9.5915% | 2,048 |
| Core capital (leverage) ratio | 11.1665% | 1,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0097% | 2,269 |
| Memoranda: | ||
| Average total assets | $838,233,250 | 1,147 |
| Average earning assets | $781,006,750 | 1,126 |
| Average equity | $82,219,000 | 1,106 |
| Average total loans | $608,365,250 | 1,082 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6853% | 653 |
| Cost of funding earning assets | 1.7583% | 806 |
| Net interest margin | 3.9269% | 1,378 |
| Noninterest income to average assets | 1.0700% | 514 |
| Noninterest expense to average assets | 2.6890% | 1,668 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.5726% | 985 |
| Return on assets (ROA) | 1.5676% | 989 |
| Pretax return on assets | 1.9521% | 802 |
| Return on Equity (ROE) | 15.8600% | 1,289 |
| Retained earnings to average equity (ytd only) | 9.8771% | 1,437 |
| Net charge-offs to loans | 0.0837% | 762 |
| Credit loss provision to net charge-offs | 137.7953% | 1,248 |
| Earnings coverage of net charge-offs (x) | 33.3228% | 1,501 |
| Efficiency ratio | 56.5111% | 3,354 |
| Assets per employee ($millions) | 6.2836% | 2,481 |
| Cash dividends to net income (ytd only)* | 37.7213% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0301% | 3,295 |
| Loan loss allowance to noncurrent loans | 1,384.2795% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.0544% | 3,233 |
| Noncurrent loans to loans | 0.0744% | 3,154 |
| Net loans and leases to total assets | 72.3400% | 1,486 |
| Net loans and leases to deposits | 87.4153% | 1,392 |
| Net loans and leases to core deposits | 139.4699% | 219 |
| Total domestic deposits to total assets | 82.7600% | 3,097 |
| Equity capital to assets | 9.9213% | 1,902 |
| Core capital (leverage) ratio | 11.1319% | 1,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0350% | 2,281 |
| Memoranda: | ||
| Average total assets | $828,650,000 | 1,150 |
| Average earning assets | $771,746,333 | 1,140 |
| Average equity | $81,906,333 | 1,103 |
| Average total loans | $607,034,667 | 1,070 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3739% | 759 |
| Cost of funding earning assets | 1.3761% | 1,075 |
| Net interest margin | 3.9977% | 1,268 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 2.4984% | 2,246 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.3409% | 1,565 |
| Return on assets (ROA) | 1.3309% | 1,559 |
| Pretax return on assets | 1.8190% | 1,038 |
| Return on Equity (ROE) | 13.4900% | 1,882 |
| Retained earnings to average equity (ytd only) | 8.4104% | 2,110 |
| Net charge-offs to loans | 0.0458% | 898 |
| Credit loss provision to net charge-offs | 434.7826% | 591 |
| Earnings coverage of net charge-offs (x) | 58.8986% | 1,032 |
| Efficiency ratio | 55.4795% | 3,458 |
| Assets per employee ($millions) | 6.2995% | 2,503 |
| Cash dividends to net income (ytd only)* | 37.6600% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 3,192 |
| Loan loss allowance to noncurrent loans | 1,106.8376% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 3,076 |
| Noncurrent loans to loans | 0.0969% | 3,060 |
| Net loans and leases to total assets | 71.8200% | 1,443 |
| Net loans and leases to deposits | 88.1806% | 1,190 |
| Net loans and leases to core deposits | 129.0584% | 284 |
| Total domestic deposits to total assets | 81.4500% | 3,563 |
| Equity capital to assets | 9.8910% | 1,874 |
| Core capital (leverage) ratio | 11.1306% | 1,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8657% | 2,445 |
| Memoranda: | ||
| Average total assets | $821,972,000 | 1,176 |
| Average earning assets | $765,035,500 | 1,165 |
| Average equity | $81,090,500 | 1,125 |
| Average total loans | $602,817,500 | 1,088 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9725% | 317 |
| Cost of funding earning assets | 0.6439% | 743 |
| Net interest margin | 4.3286% | 398 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 2.5646% | 1,925 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.3648% | 1,228 |
| Return on assets (ROA) | 1.3459% | 1,253 |
| Pretax return on assets | 1.8418% | 658 |
| Return on Equity (ROE) | 12.9500% | 1,828 |
| Retained earnings to average equity (ytd only) | 10.2059% | 1,094 |
| Net charge-offs to loans | 0.0280% | 1,501 |
| Credit loss provision to net charge-offs | 750.0000% | 517 |
| Earnings coverage of net charge-offs (x) | 97.4438% | 983 |
| Efficiency ratio | 55.8012% | 3,599 |
| Assets per employee ($millions) | 6.1546% | 2,637 |
| Cash dividends to net income (ytd only)* | 21.1926% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 2,577 |
| Loan loss allowance to noncurrent loans | 2,196.8553% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 3,411 |
| Noncurrent loans to loans | 0.0528% | 3,378 |
| Net loans and leases to total assets | 73.2400% | 1,287 |
| Net loans and leases to deposits | 85.1465% | 1,379 |
| Net loans and leases to core deposits | 123.9455% | 302 |
| Total domestic deposits to total assets | 86.0100% | 2,720 |
| Equity capital to assets | 9.8391% | 1,795 |
| Core capital (leverage) ratio | 10.9886% | 1,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2615% | 2,259 |
| Memoranda: | ||
| Average total assets | $771,323,200 | 1,217 |
| Average earning assets | $715,802,600 | 1,208 |
| Average equity | $80,159,800 | 1,128 |
| Average total loans | $571,141,800 | 1,071 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7621% | 307 |
| Cost of funding earning assets | 0.5125% | 713 |
| Net interest margin | 4.2496% | 374 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.6072% | 1,697 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.3123% | 1,314 |
| Return on assets (ROA) | 1.3134% | 1,277 |
| Pretax return on assets | 1.7945% | 740 |
| Return on Equity (ROE) | 12.4600% | 1,886 |
| Retained earnings to average equity (ytd only) | 10.6327% | 1,160 |
| Net charge-offs to loans | 0.0246% | 1,336 |
| Credit loss provision to net charge-offs | 865.3846% | 448 |
| Earnings coverage of net charge-offs (x) | 107.0673% | 916 |
| Efficiency ratio | 57.1549% | 3,495 |
| Assets per employee ($millions) | 5.9830% | 2,780 |
| Cash dividends to net income (ytd only)* | 14.6725% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 2,760 |
| Loan loss allowance to noncurrent loans | 958.8905% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 3,061 |
| Noncurrent loans to loans | 0.1207% | 3,043 |
| Net loans and leases to total assets | 71.2800% | 1,368 |
| Net loans and leases to deposits | 83.3268% | 1,350 |
| Net loans and leases to core deposits | 118.2938% | 291 |
| Total domestic deposits to total assets | 85.5500% | 3,159 |
| Equity capital to assets | 9.6502% | 1,798 |
| Core capital (leverage) ratio | 10.9010% | 1,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6307% | 2,208 |
| Memoranda: | ||
| Average total assets | $761,051,000 | 1,233 |
| Average earning assets | $706,030,250 | 1,236 |
| Average equity | $80,216,250 | 1,140 |
| Average total loans | $563,436,250 | 1,078 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5398% | 355 |
| Cost of funding earning assets | 0.3847% | 1,024 |
| Net interest margin | 4.1551% | 363 |
| Noninterest income to average assets | 0.6372% | 1,590 |
| Noninterest expense to average assets | 2.6388% | 1,528 |
| Loan and lease loss provision to assets | 0.1610% | 578 |
| Net operating income to assets | 1.2451% | 1,292 |
| Return on assets (ROA) | 1.2453% | 1,274 |
| Pretax return on assets | 1.6977% | 758 |
| Return on Equity (ROE) | 11.4655% | 1,841 |
| Retained earnings to average equity (ytd only) | 8.7486% | 1,361 |
| Net charge-offs to loans | 0.0251% | 1,222 |
| Credit loss provision to net charge-offs | 857.1429% | 456 |
| Earnings coverage of net charge-offs (x) | 98.9571% | 820 |
| Efficiency ratio | 58.6649% | 3,469 |
| Assets per employee ($millions) | 5.7850% | 2,942 |
| Cash dividends to net income (ytd only)* | 23.6967% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 3,052 |
| Loan loss allowance to noncurrent loans | 613.1629% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.1374% | 2,754 |
| Noncurrent loans to loans | 0.1838% | 2,784 |
| Net loans and leases to total assets | 72.1920% | 1,085 |
| Net loans and leases to deposits | 86.2346% | 952 |
| Net loans and leases to core deposits | 112.2461% | 314 |
| Total domestic deposits to total assets | 83.7157% | 3,741 |
| Equity capital to assets | 9.7799% | 1,830 |
| Core capital (leverage) ratio | 11.0270% | 1,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7832% | 2,166 |
| Memoranda: | ||
| Average total assets | $745,500,000 | 1,260 |
| Average earning assets | $692,540,000 | 1,261 |
| Average equity | $80,973,333 | 1,150 |
| Average total loans | $557,085,000 | 1,078 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5464% | 287 |
| Cost of funding earning assets | 0.3289% | 1,389 |
| Net interest margin | 4.2175% | 279 |
| Noninterest income to average assets | 0.6705% | 1,410 |
| Noninterest expense to average assets | 2.6427% | 1,496 |
| Loan and lease loss provision to assets | 0.1655% | 477 |
| Net operating income to assets | 1.3084% | 985 |
| Return on assets (ROA) | 1.3084% | 974 |
| Pretax return on assets | 1.7818% | 566 |
| Return on Equity (ROE) | 11.4282% | 1,484 |
| Retained earnings to average equity (ytd only) | 11.4282% | 702 |
| Net charge-offs to loans | 0.0372% | 918 |
| Credit loss provision to net charge-offs | 588.2353% | 475 |
| Earnings coverage of net charge-offs (x) | 69.1961% | 801 |
| Efficiency ratio | 57.5499% | 3,730 |
| Assets per employee ($millions) | 5.7633% | 3,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 3,293 |
| Loan loss allowance to noncurrent loans | 581.5962% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 2,789 |
| Noncurrent loans to loans | 0.1907% | 2,863 |
| Net loans and leases to total assets | 74.2847% | 641 |
| Net loans and leases to deposits | 93.5620% | 380 |
| Net loans and leases to core deposits | 102.2784% | 438 |
| Total domestic deposits to total assets | 79.3963% | 4,323 |
| Equity capital to assets | 10.9964% | 1,331 |
| Core capital (leverage) ratio | 11.3302% | 1,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2311% | 2,105 |
| Memoranda: | ||
| Average total assets | $724,867,500 | 1,288 |
| Average earning assets | $673,669,500 | 1,285 |
| Average equity | $82,987,500 | 1,160 |
| Average total loans | $548,399,500 | 1,082 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3847% | 735 |
| Cost of funding earning assets | 0.3940% | 1,586 |
| Net interest margin | 3.9907% | 725 |
| Noninterest income to average assets | 0.8306% | 1,376 |
| Noninterest expense to average assets | 2.6552% | 1,741 |
| Loan and lease loss provision to assets | 0.1387% | 871 |
| Net operating income to assets | 1.3161% | 1,559 |
| Return on assets (ROA) | 1.3178% | 1,595 |
| Pretax return on assets | 1.7711% | 976 |
| Return on Equity (ROE) | 12.1328% | 1,764 |
| Retained earnings to average equity (ytd only) | 10.1798% | 873 |
| Net charge-offs to loans | 0.0337% | 1,558 |
| Credit loss provision to net charge-offs | 581.5951% | 739 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 998 |
| Efficiency ratio | 58.1116% | 3,429 |
| Assets per employee ($millions) | 5.5611% | 3,204 |
| Cash dividends to net income (ytd only)* | 16.0968% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 3,337 |
| Loan loss allowance to noncurrent loans | 266.5919% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 1,972 |
| Noncurrent loans to loans | 0.4143% | 2,115 |
| Net loans and leases to total assets | 75.3790% | 556 |
| Net loans and leases to deposits | 96.4027% | 298 |
| Net loans and leases to core deposits | 105.7922% | 372 |
| Total domestic deposits to total assets | 78.1918% | 4,378 |
| Equity capital to assets | 11.9247% | 1,287 |
| Core capital (leverage) ratio | 11.9261% | 1,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1925% | 1,779 |
| Memoranda: | ||
| Average total assets | $683,567,400 | 1,303 |
| Average earning assets | $639,284,800 | 1,305 |
| Average equity | $74,245,200 | 1,285 |
| Average total loans | $483,387,400 | 1,193 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3151% | 931 |
| Cost of funding earning assets | 0.4116% | 1,614 |
| Net interest margin | 3.9035% | 936 |
| Noninterest income to average assets | 0.8284% | 1,444 |
| Noninterest expense to average assets | 2.6051% | 1,819 |
| Loan and lease loss provision to assets | 0.0984% | 1,214 |
| Net operating income to assets | 1.3408% | 1,715 |
| Return on assets (ROA) | 1.3424% | 1,763 |
| Pretax return on assets | 1.7790% | 1,211 |
| Return on Equity (ROE) | 12.6823% | 1,810 |
| Retained earnings to average equity (ytd only) | 9.9879% | 1,317 |
| Net charge-offs to loans | 0.0375% | 1,336 |
| Credit loss provision to net charge-offs | 378.7879% | 888 |
| Earnings coverage of net charge-offs (x) | 72.2348% | 1,048 |
| Efficiency ratio | 58.0597% | 3,253 |
| Assets per employee ($millions) | 5.6090% | 3,090 |
| Cash dividends to net income (ytd only)* | 21.2454% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 3,224 |
| Loan loss allowance to noncurrent loans | 265.0048% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.3024% | 2,259 |
| Noncurrent loans to loans | 0.4323% | 2,260 |
| Net loans and leases to total assets | 69.1390% | 1,173 |
| Net loans and leases to deposits | 87.0843% | 761 |
| Net loans and leases to core deposits | 95.5401% | 767 |
| Total domestic deposits to total assets | 79.3932% | 4,311 |
| Equity capital to assets | 11.9863% | 1,410 |
| Core capital (leverage) ratio | 12.0449% | 1,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0356% | 1,344 |
| Memoranda: | ||
| Average total assets | $677,893,500 | 1,327 |
| Average earning assets | $634,225,000 | 1,328 |
| Average equity | $71,751,500 | 1,340 |
| Average total loans | $469,654,500 | 1,242 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2163% | 1,160 |
| Cost of funding earning assets | 0.4342% | 1,623 |
| Net interest margin | 3.7821% | 1,169 |
| Noninterest income to average assets | 0.7832% | 1,580 |
| Noninterest expense to average assets | 2.5651% | 1,943 |
| Loan and lease loss provision to assets | 0.0890% | 1,391 |
| Net operating income to assets | 1.2795% | 1,924 |
| Return on assets (ROA) | 1.2818% | 1,994 |
| Pretax return on assets | 1.6736% | 1,547 |
| Return on Equity (ROE) | 12.6836% | 1,829 |
| Retained earnings to average equity (ytd only) | 8.4254% | 1,923 |
| Net charge-offs to loans | 0.0176% | 1,593 |
| Credit loss provision to net charge-offs | 731.7073% | 565 |
| Earnings coverage of net charge-offs (x) | 144.6098% | 603 |
| Efficiency ratio | 59.2300% | 3,124 |
| Assets per employee ($millions) | 5.5252% | 3,099 |
| Cash dividends to net income (ytd only)* | 33.5726% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 3,138 |
| Loan loss allowance to noncurrent loans | 373.2094% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 2,820 |
| Noncurrent loans to loans | 0.3110% | 2,809 |
| Net loans and leases to total assets | 69.6092% | 1,245 |
| Net loans and leases to deposits | 86.4984% | 884 |
| Net loans and leases to core deposits | 95.3952% | 833 |
| Total domestic deposits to total assets | 80.4746% | 4,157 |
| Equity capital to assets | 10.4925% | 2,397 |
| Core capital (leverage) ratio | 10.2293% | 2,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3258% | 2,240 |
| Memoranda: | ||
| Average total assets | $673,887,000 | 1,331 |
| Average earning assets | $631,030,333 | 1,330 |
| Average equity | $68,103,667 | 1,384 |
| Average total loans | $465,363,667 | 1,255 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1778% | 1,239 |
| Cost of funding earning assets | 0.4690% | 1,597 |
| Net interest margin | 3.7087% | 1,315 |
| Noninterest income to average assets | 0.7720% | 1,659 |
| Noninterest expense to average assets | 2.4837% | 2,220 |
| Loan and lease loss provision to assets | 0.1766% | 699 |
| Net operating income to assets | 1.2189% | 2,072 |
| Return on assets (ROA) | 1.2189% | 2,158 |
| Pretax return on assets | 1.5898% | 1,758 |
| Return on Equity (ROE) | 12.2901% | 1,910 |
| Retained earnings to average equity (ytd only) | 10.8058% | 1,450 |
| Net charge-offs to loans | -0.0250% | 4,100 |
| Credit loss provision to net charge-offs | -1,034.4828% | 3,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3541% | 3,252 |
| Assets per employee ($millions) | 5.2326% | 3,396 |
| Cash dividends to net income (ytd only)* | 12.0773% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 3,092 |
| Loan loss allowance to noncurrent loans | 247.5868% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.3715% | 2,315 |
| Noncurrent loans to loans | 0.4729% | 2,436 |
| Net loans and leases to total assets | 70.2787% | 1,251 |
| Net loans and leases to deposits | 87.1908% | 875 |
| Net loans and leases to core deposits | 95.2921% | 917 |
| Total domestic deposits to total assets | 80.6033% | 4,123 |
| Equity capital to assets | 10.2536% | 2,477 |
| Core capital (leverage) ratio | 10.1058% | 2,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7069% | 2,003 |
| Memoranda: | ||
| Average total assets | $679,318,500 | 1,318 |
| Average earning assets | $637,088,000 | 1,313 |
| Average equity | $67,371,500 | 1,391 |
| Average total loans | $464,573,000 | 1,253 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5666% | 1,164 |
| Cost of funding earning assets | 0.8388% | 1,064 |
| Net interest margin | 3.7278% | 1,714 |
| Noninterest income to average assets | 1.1710% | 798 |
| Noninterest expense to average assets | 3.0201% | 1,392 |
| Loan and lease loss provision to assets | 0.2602% | 1,490 |
| Net operating income to assets | 1.0759% | 2,002 |
| Return on assets (ROA) | 1.0786% | 2,132 |
| Pretax return on assets | 1.3826% | 1,713 |
| Return on Equity (ROE) | 11.1151% | 1,589 |
| Retained earnings to average equity (ytd only) | 7.4827% | 1,202 |
| Net charge-offs to loans | 0.1595% | 1,024 |
| Credit loss provision to net charge-offs | 220.7977% | 2,062 |
| Earnings coverage of net charge-offs (x) | 13.9117% | 2,251 |
| Efficiency ratio | 64.7273% | 2,717 |
| Assets per employee ($millions) | 5.9265% | 2,407 |
| Cash dividends to net income (ytd only)* | 32.6797% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 3,357 |
| Loan loss allowance to noncurrent loans | 211.9967% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.3812% | 2,458 |
| Noncurrent loans to loans | 0.5288% | 2,395 |
| Net loans and leases to total assets | 65.0830% | 2,215 |
| Net loans and leases to deposits | 83.5317% | 1,500 |
| Net loans and leases to core deposits | 92.8892% | 1,312 |
| Total domestic deposits to total assets | 77.9141% | 4,328 |
| Equity capital to assets | 9.6006% | 3,515 |
| Core capital (leverage) ratio | 10.2207% | 2,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8563% | 2,686 |
| Memoranda: | ||
| Average total assets | $595,745,400 | 1,340 |
| Average earning assets | $557,482,200 | 1,326 |
| Average equity | $57,813,000 | 1,486 |
| Average total loans | $440,257,200 | 1,252 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7401% | 986 |
| Cost of funding earning assets | 0.9372% | 942 |
| Net interest margin | 3.8030% | 1,611 |
| Noninterest income to average assets | 1.1537% | 789 |
| Noninterest expense to average assets | 3.1119% | 1,215 |
| Loan and lease loss provision to assets | 0.2223% | 1,815 |
| Net operating income to assets | 1.0717% | 2,073 |
| Return on assets (ROA) | 1.0730% | 2,201 |
| Pretax return on assets | 1.3751% | 1,812 |
| Return on Equity (ROE) | 11.0209% | 1,672 |
| Retained earnings to average equity (ytd only) | 8.9782% | 989 |
| Net charge-offs to loans | 0.1501% | 974 |
| Credit loss provision to net charge-offs | 193.8776% | 2,133 |
| Earnings coverage of net charge-offs (x) | 13.9184% | 2,174 |
| Efficiency ratio | 66.0089% | 2,463 |
| Assets per employee ($millions) | 5.2018% | 3,020 |
| Cash dividends to net income (ytd only)* | 18.5347% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0181% | 3,625 |
| Loan loss allowance to noncurrent loans | 142.4053% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.5552% | 2,052 |
| Noncurrent loans to loans | 0.7150% | 2,004 |
| Net loans and leases to total assets | 75.5808% | 1,146 |
| Net loans and leases to deposits | 104.0046% | 386 |
| Net loans and leases to core deposits | 120.4666% | 403 |
| Total domestic deposits to total assets | 72.6706% | 4,659 |
| Equity capital to assets | 10.7922% | 2,551 |
| Core capital (leverage) ratio | 10.6760% | 2,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4238% | 2,449 |
| Memoranda: | ||
| Average total assets | $569,849,500 | 1,370 |
| Average earning assets | $532,520,250 | 1,370 |
| Average equity | $55,481,250 | 1,533 |
| Average total loans | $435,245,500 | 1,257 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7624% | 1,254 |
| Cost of funding earning assets | 1.0218% | 923 |
| Net interest margin | 3.7406% | 2,022 |
| Noninterest income to average assets | 1.0717% | 868 |
| Noninterest expense to average assets | 3.1358% | 1,275 |
| Loan and lease loss provision to assets | 0.1621% | 2,378 |
| Net operating income to assets | 1.0010% | 2,327 |
| Return on assets (ROA) | 1.0018% | 2,444 |
| Pretax return on assets | 1.2734% | 2,119 |
| Return on Equity (ROE) | 10.7181% | 1,736 |
| Retained earnings to average equity (ytd only) | 7.4421% | 1,486 |
| Net charge-offs to loans | 0.1962% | 785 |
| Credit loss provision to net charge-offs | 108.1731% | 2,348 |
| Earnings coverage of net charge-offs (x) | 9.5721% | 2,212 |
| Efficiency ratio | 68.5190% | 2,165 |
| Assets per employee ($millions) | 5.0620% | 3,100 |
| Cash dividends to net income (ytd only)* | 30.5645% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9563% | 3,771 |
| Loan loss allowance to noncurrent loans | 127.1504% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.5965% | 2,020 |
| Noncurrent loans to loans | 0.7521% | 2,000 |
| Net loans and leases to total assets | 74.7231% | 1,313 |
| Net loans and leases to deposits | 100.8679% | 499 |
| Net loans and leases to core deposits | 116.2720% | 529 |
| Total domestic deposits to total assets | 74.0801% | 4,592 |
| Equity capital to assets | 8.9794% | 4,109 |
| Core capital (leverage) ratio | 8.8604% | 4,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9452% | 2,983 |
| Memoranda: | ||
| Average total assets | $555,195,333 | 1,383 |
| Average earning assets | $519,281,000 | 1,377 |
| Average equity | $51,893,667 | 1,613 |
| Average total loans | $424,095,333 | 1,271 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9522% | 1,059 |
| Cost of funding earning assets | 1.1492% | 910 |
| Net interest margin | 3.8030% | 1,962 |
| Noninterest income to average assets | 0.7359% | 1,514 |
| Noninterest expense to average assets | 2.8924% | 2,146 |
| Loan and lease loss provision to assets | 0.1129% | 2,274 |
| Net operating income to assets | 1.0158% | 2,129 |
| Return on assets (ROA) | 1.0158% | 2,231 |
| Pretax return on assets | 1.2889% | 1,897 |
| Return on Equity (ROE) | 10.6309% | 1,524 |
| Retained earnings to average equity (ytd only) | 10.6309% | 625 |
| Net charge-offs to loans | 0.1908% | 713 |
| Credit loss provision to net charge-offs | 76.9231% | 1,948 |
| Earnings coverage of net charge-offs (x) | 9.5538% | 1,816 |
| Efficiency ratio | 67.2507% | 2,781 |
| Assets per employee ($millions) | 4.5792% | 3,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0536% | 3,433 |
| Loan loss allowance to noncurrent loans | 157.4539% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.5165% | 2,444 |
| Noncurrent loans to loans | 0.6691% | 2,319 |
| Net loans and leases to total assets | 74.7971% | 1,485 |
| Net loans and leases to deposits | 96.6020% | 849 |
| Net loans and leases to core deposits | 114.5475% | 646 |
| Total domestic deposits to total assets | 77.4281% | 4,303 |
| Equity capital to assets | 9.3975% | 4,310 |
| Core capital (leverage) ratio | 9.6683% | 3,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6409% | 2,867 |
| Memoranda: | ||
| Average total assets | $531,603,000 | 1,395 |
| Average earning assets | $497,399,000 | 1,391 |
| Average equity | $50,795,500 | 1,642 |
| Average total loans | $408,911,500 | 1,273 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1263% | 1,159 |
| Cost of funding earning assets | 1.3042% | 761 |
| Net interest margin | 3.8221% | 2,439 |
| Noninterest income to average assets | 0.6842% | 1,867 |
| Noninterest expense to average assets | 2.8221% | 2,531 |
| Loan and lease loss provision to assets | 0.0849% | 2,310 |
| Net operating income to assets | 1.0580% | 2,627 |
| Return on assets (ROA) | 1.0608% | 2,708 |
| Pretax return on assets | 1.3711% | 2,264 |
| Return on Equity (ROE) | 11.3411% | 1,755 |
| Retained earnings to average equity (ytd only) | 4.9598% | 2,440 |
| Net charge-offs to loans | 0.0231% | 2,946 |
| Credit loss provision to net charge-offs | 468.7500% | 618 |
| Earnings coverage of net charge-offs (x) | 80.2188% | 792 |
| Efficiency ratio | 65.9122% | 2,778 |
| Assets per employee ($millions) | 4.5864% | 3,099 |
| Cash dividends to net income (ytd only)* | 56.2667% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0445% | 3,255 |
| Loan loss allowance to noncurrent loans | 181.1004% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 2,476 |
| Noncurrent loans to loans | 0.5768% | 2,458 |
| Net loans and leases to total assets | 77.4508% | 1,171 |
| Net loans and leases to deposits | 97.9548% | 766 |
| Net loans and leases to core deposits | 118.6402% | 514 |
| Total domestic deposits to total assets | 79.0679% | 4,176 |
| Equity capital to assets | 9.7153% | 4,175 |
| Core capital (leverage) ratio | 9.5419% | 4,017 |
| Tier 1 risk-based capital ratio | 11.9677% | 4,380 |
| Total risk-based capital ratio | 12.9991% | 4,376 |
| Memoranda: | ||
| Average total assets | $530,241,600 | 1,354 |
| Average earning assets | $498,081,200 | 1,333 |
| Average equity | $49,598,400 | 1,614 |
| Average total loans | $415,326,800 | 1,229 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1231% | 1,235 |
| Cost of funding earning assets | 1.3255% | 728 |
| Net interest margin | 3.7976% | 2,608 |
| Noninterest income to average assets | 0.6790% | 1,871 |
| Noninterest expense to average assets | 2.8191% | 2,518 |
| Loan and lease loss provision to assets | 0.0879% | 2,157 |
| Net operating income to assets | 1.0355% | 2,841 |
| Return on assets (ROA) | 1.0386% | 2,911 |
| Pretax return on assets | 1.3440% | 2,518 |
| Return on Equity (ROE) | 11.2112% | 1,925 |
| Retained earnings to average equity (ytd only) | 7.6738% | 1,551 |
| Net charge-offs to loans | 0.0080% | 3,088 |
| Credit loss provision to net charge-offs | 1,400.0000% | 265 |
| Earnings coverage of net charge-offs (x) | 227.4569% | 402 |
| Efficiency ratio | 66.2666% | 2,693 |
| Assets per employee ($millions) | 4.6452% | 2,979 |
| Cash dividends to net income (ytd only)* | 31.5523% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 3,333 |
| Loan loss allowance to noncurrent loans | 172.2557% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.4738% | 2,634 |
| Noncurrent loans to loans | 0.6055% | 2,468 |
| Net loans and leases to total assets | 77.4318% | 1,235 |
| Net loans and leases to deposits | 96.5845% | 946 |
| Net loans and leases to core deposits | 118.3540% | 582 |
| Total domestic deposits to total assets | 80.1700% | 3,958 |
| Equity capital to assets | 9.8196% | 4,190 |
| Core capital (leverage) ratio | 9.5214% | 4,145 |
| Tier 1 risk-based capital ratio | 12.2749% | 4,268 |
| Total risk-based capital ratio | 13.3183% | 4,277 |
| Memoranda: | ||
| Average total assets | $530,943,500 | 1,354 |
| Average earning assets | $498,823,500 | 1,338 |
| Average equity | $49,187,500 | 1,629 |
| Average total loans | $415,955,000 | 1,235 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0655% | 1,309 |
| Cost of funding earning assets | 1.3256% | 688 |
| Net interest margin | 3.7399% | 2,790 |
| Noninterest income to average assets | 0.6350% | 1,998 |
| Noninterest expense to average assets | 2.8141% | 2,535 |
| Loan and lease loss provision to assets | 0.1126% | 1,668 |
| Net operating income to assets | 0.9431% | 3,116 |
| Return on assets (ROA) | 0.9475% | 3,167 |
| Pretax return on assets | 1.2226% | 2,834 |
| Return on Equity (ROE) | 10.4335% | 2,204 |
| Retained earnings to average equity (ytd only) | 5.1651% | 2,688 |
| Net charge-offs to loans | 0.0383% | 2,122 |
| Credit loss provision to net charge-offs | 375.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 44.2875% | 1,185 |
| Efficiency ratio | 67.8047% | 2,569 |
| Assets per employee ($millions) | 4.7341% | 2,827 |
| Cash dividends to net income (ytd only)* | 50.4950% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 3,649 |
| Loan loss allowance to noncurrent loans | 175.6200% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.4447% | 2,743 |
| Noncurrent loans to loans | 0.5675% | 2,559 |
| Net loans and leases to total assets | 77.5807% | 1,297 |
| Net loans and leases to deposits | 95.9023% | 1,047 |
| Net loans and leases to core deposits | 124.1489% | 426 |
| Total domestic deposits to total assets | 80.8956% | 3,847 |
| Equity capital to assets | 9.2847% | 4,587 |
| Core capital (leverage) ratio | 9.0908% | 4,560 |
| Tier 1 risk-based capital ratio | 11.6386% | 4,617 |
| Total risk-based capital ratio | 12.6349% | 4,641 |
| Memoranda: | ||
| Average total assets | $532,954,000 | 1,352 |
| Average earning assets | $500,009,670 | 1,333 |
| Average equity | $48,402,000 | 1,646 |
| Average total loans | $417,695,670 | 1,228 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9528% | 1,470 |
| Cost of funding earning assets | 1.3126% | 639 |
| Net interest margin | 3.6403% | 3,106 |
| Noninterest income to average assets | 0.6715% | 1,720 |
| Noninterest expense to average assets | 2.8544% | 2,400 |
| Loan and lease loss provision to assets | 0.1128% | 1,577 |
| Net operating income to assets | 0.8643% | 3,381 |
| Return on assets (ROA) | 0.8655% | 3,424 |
| Pretax return on assets | 1.1114% | 3,114 |
| Return on Equity (ROE) | 9.6382% | 2,527 |
| Retained earnings to average equity (ytd only) | 5.0326% | 2,894 |
| Net charge-offs to loans | 0.0288% | 1,883 |
| Credit loss provision to net charge-offs | 500.0000% | 602 |
| Earnings coverage of net charge-offs (x) | 54.2000% | 979 |
| Efficiency ratio | 69.9742% | 2,347 |
| Assets per employee ($millions) | 4.6780% | 2,947 |
| Cash dividends to net income (ytd only)* | 47.7845% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 3,868 |
| Loan loss allowance to noncurrent loans | 210.3146% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.3582% | 3,168 |
| Noncurrent loans to loans | 0.4619% | 2,929 |
| Net loans and leases to total assets | 76.6114% | 1,380 |
| Net loans and leases to deposits | 94.0453% | 1,172 |
| Net loans and leases to core deposits | 142.1789% | 171 |
| Total domestic deposits to total assets | 81.4622% | 3,865 |
| Equity capital to assets | 8.9147% | 4,740 |
| Core capital (leverage) ratio | 9.1318% | 4,540 |
| Tier 1 risk-based capital ratio | 11.4071% | 4,778 |
| Total risk-based capital ratio | 12.3731% | 4,835 |
| Memoranda: | ||
| Average total assets | $531,954,000 | 1,359 |
| Average earning assets | $497,655,500 | 1,343 |
| Average equity | $47,768,500 | 1,648 |
| Average total loans | $416,944,000 | 1,240 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8984% | 1,293 |
| Cost of funding earning assets | 1.0780% | 534 |
| Net interest margin | 3.8204% | 2,592 |
| Noninterest income to average assets | 0.6696% | 1,964 |
| Noninterest expense to average assets | 2.9073% | 2,323 |
| Loan and lease loss provision to assets | 0.1071% | 2,053 |
| Net operating income to assets | 0.9520% | 3,220 |
| Return on assets (ROA) | 0.9538% | 3,211 |
| Pretax return on assets | 1.2284% | 2,784 |
| Return on Equity (ROE) | 10.4919% | 2,292 |
| Retained earnings to average equity (ytd only) | 8.9210% | 894 |
| Net charge-offs to loans | 0.0882% | 1,895 |
| Credit loss provision to net charge-offs | 154.8673% | 1,786 |
| Earnings coverage of net charge-offs (x) | 19.2773% | 2,072 |
| Efficiency ratio | 67.8662% | 2,566 |
| Assets per employee ($millions) | 4.4936% | 3,183 |
| Cash dividends to net income (ytd only)* | 14.9733% | 3,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9559% | 3,931 |
| Loan loss allowance to noncurrent loans | 253.5554% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.2995% | 3,377 |
| Noncurrent loans to loans | 0.3770% | 3,186 |
| Net loans and leases to total assets | 78.6790% | 1,151 |
| Net loans and leases to deposits | 97.7607% | 921 |
| Net loans and leases to core deposits | 124.0309% | 441 |
| Total domestic deposits to total assets | 80.4811% | 3,998 |
| Equity capital to assets | 9.0476% | 4,537 |
| Core capital (leverage) ratio | 9.4561% | 4,166 |
| Tier 1 risk-based capital ratio | 11.4247% | 4,759 |
| Total risk-based capital ratio | 12.3757% | 4,813 |
| Memoranda: | ||
| Average total assets | $490,139,600 | 1,437 |
| Average earning assets | $458,146,600 | 1,423 |
| Average equity | $44,558,000 | 1,674 |
| Average total loans | $384,289,800 | 1,295 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8372% | 1,326 |
| Cost of funding earning assets | 1.0405% | 502 |
| Net interest margin | 3.7966% | 2,660 |
| Noninterest income to average assets | 0.6814% | 1,928 |
| Noninterest expense to average assets | 2.9402% | 2,192 |
| Loan and lease loss provision to assets | 0.1037% | 1,932 |
| Net operating income to assets | 0.9280% | 3,399 |
| Return on assets (ROA) | 0.9304% | 3,399 |
| Pretax return on assets | 1.1958% | 3,000 |
| Return on Equity (ROE) | 10.2213% | 2,515 |
| Retained earnings to average equity (ytd only) | 10.1454% | 878 |
| Net charge-offs to loans | 0.1168% | 1,340 |
| Credit loss provision to net charge-offs | 113.6364% | 2,067 |
| Earnings coverage of net charge-offs (x) | 14.2121% | 2,297 |
| Efficiency ratio | 68.6958% | 2,407 |
| Assets per employee ($millions) | 4.2777% | 3,464 |
| Cash dividends to net income (ytd only)* | 0.7427% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 3,875 |
| Loan loss allowance to noncurrent loans | 323.2007% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.2531% | 3,692 |
| Noncurrent loans to loans | 0.3041% | 3,583 |
| Net loans and leases to total assets | 77.4858% | 1,418 |
| Net loans and leases to deposits | 95.8259% | 1,176 |
| Net loans and leases to core deposits | 108.3882% | 1,140 |
| Total domestic deposits to total assets | 80.8610% | 3,903 |
| Equity capital to assets | 9.3013% | 4,274 |
| Core capital (leverage) ratio | 9.5559% | 4,102 |
| Tier 1 risk-based capital ratio | 11.9446% | 4,531 |
| Total risk-based capital ratio | 12.9171% | 4,585 |
| Memoranda: | ||
| Average total assets | $482,360,750 | 1,456 |
| Average earning assets | $451,686,000 | 1,449 |
| Average equity | $43,907,250 | 1,703 |
| Average total loans | $376,843,250 | 1,321 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7923% | 1,270 |
| Cost of funding earning assets | 0.9948% | 478 |
| Net interest margin | 3.7975% | 2,571 |
| Noninterest income to average assets | 0.6840% | 1,935 |
| Noninterest expense to average assets | 2.9782% | 2,106 |
| Loan and lease loss provision to assets | 0.1570% | 1,198 |
| Net operating income to assets | 0.8620% | 3,620 |
| Return on assets (ROA) | 0.8620% | 3,619 |
| Pretax return on assets | 1.1048% | 3,299 |
| Return on Equity (ROE) | 9.5416% | 2,779 |
| Retained earnings to average equity (ytd only) | 9.5416% | 1,057 |
| Net charge-offs to loans | 0.1560% | 988 |
| Credit loss provision to net charge-offs | 128.8660% | 1,728 |
| Earnings coverage of net charge-offs (x) | 10.3574% | 2,332 |
| Efficiency ratio | 69.5300% | 2,388 |
| Assets per employee ($millions) | 4.0558% | 3,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 3,772 |
| Loan loss allowance to noncurrent loans | 244.5149% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.3468% | 3,366 |
| Noncurrent loans to loans | 0.4130% | 3,216 |
| Net loans and leases to total assets | 77.0177% | 1,465 |
| Net loans and leases to deposits | 95.9409% | 1,147 |
| Net loans and leases to core deposits | 105.3051% | 1,294 |
| Total domestic deposits to total assets | 80.2762% | 4,180 |
| Equity capital to assets | 9.2052% | 4,380 |
| Core capital (leverage) ratio | 9.4921% | 4,121 |
| Tier 1 risk-based capital ratio | 11.5775% | 4,754 |
| Total risk-based capital ratio | 12.5573% | 4,793 |
| Memoranda: | ||
| Average total assets | $477,744,000 | 1,475 |
| Average earning assets | $447,346,670 | 1,460 |
| Average equity | $43,158,330 | 1,736 |
| Average total loans | $373,021,000 | 1,328 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7405% | 1,210 |
| Cost of funding earning assets | 0.9309% | 514 |
| Net interest margin | 3.8097% | 2,387 |
| Noninterest income to average assets | 0.6476% | 2,038 |
| Noninterest expense to average assets | 2.8291% | 2,610 |
| Loan and lease loss provision to assets | 0.1910% | 880 |
| Net operating income to assets | 0.9184% | 3,211 |
| Return on assets (ROA) | 0.9184% | 3,223 |
| Pretax return on assets | 1.1917% | 2,787 |
| Return on Equity (ROE) | 10.2680% | 2,289 |
| Retained earnings to average equity (ytd only) | 10.2680% | 1,076 |
| Net charge-offs to loans | -0.0488% | 4,958 |
| Credit loss provision to net charge-offs | -500.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4450% | 3,089 |
| Assets per employee ($millions) | 4.1149% | 3,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 3,449 |
| Loan loss allowance to noncurrent loans | 183.2276% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.5200% | 2,791 |
| Noncurrent loans to loans | 0.5949% | 2,758 |
| Net loans and leases to total assets | 76.8369% | 1,409 |
| Net loans and leases to deposits | 93.1991% | 1,313 |
| Net loans and leases to core deposits | 100.9157% | 1,619 |
| Total domestic deposits to total assets | 82.4438% | 3,831 |
| Equity capital to assets | 8.8799% | 4,682 |
| Core capital (leverage) ratio | 9.1261% | 4,538 |
| Tier 1 risk-based capital ratio | 10.8944% | 5,191 |
| Total risk-based capital ratio | 11.9270% | 5,185 |
| Memoranda: | ||
| Average total assets | $471,242,500 | 1,508 |
| Average earning assets | $440,879,500 | 1,488 |
| Average equity | $42,150,500 | 1,791 |
| Average total loans | $368,622,500 | 1,347 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5887% | 1,460 |
| Cost of funding earning assets | 0.7588% | 794 |
| Net interest margin | 3.8298% | 2,320 |
| Noninterest income to average assets | 0.8043% | 1,550 |
| Noninterest expense to average assets | 3.0239% | 2,091 |
| Loan and lease loss provision to assets | 0.1645% | 1,344 |
| Net operating income to assets | 0.6647% | 3,756 |
| Return on assets (ROA) | 0.6666% | 3,791 |
| Pretax return on assets | 1.1733% | 2,881 |
| Return on Equity (ROE) | 7.2711% | 3,135 |
| Retained earnings to average equity (ytd only) | 4.2801% | 2,592 |
| Net charge-offs to loans | 0.1862% | 1,354 |
| Credit loss provision to net charge-offs | 119.6995% | 2,183 |
| Earnings coverage of net charge-offs (x) | 9.7112% | 2,759 |
| Efficiency ratio | 68.6164% | 2,776 |
| Assets per employee ($millions) | 3.9420% | 4,059 |
| Cash dividends to net income (ytd only)* | 41.1360% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0294% | 3,749 |
| Loan loss allowance to noncurrent loans | 149.3861% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.6138% | 2,491 |
| Noncurrent loans to loans | 0.6891% | 2,494 |
| Net loans and leases to total assets | 77.9666% | 1,291 |
| Net loans and leases to deposits | 94.4554% | 1,226 |
| Net loans and leases to core deposits | 102.6795% | 1,512 |
| Total domestic deposits to total assets | 82.5432% | 3,714 |
| Equity capital to assets | 9.0109% | 4,709 |
| Core capital (leverage) ratio | 8.9725% | 4,682 |
| Tier 1 risk-based capital ratio | 10.7268% | 5,284 |
| Total risk-based capital ratio | 11.7017% | 5,300 |
| Memoranda: | ||
| Average total assets | $435,768,000 | 1,586 |
| Average earning assets | $404,432,000 | 1,586 |
| Average equity | $39,952,800 | 1,861 |
| Average total loans | $321,667,200 | 1,480 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5401% | 1,527 |
| Cost of funding earning assets | 0.7198% | 886 |
| Net interest margin | 3.8203% | 2,316 |
| Noninterest income to average assets | 0.8263% | 1,490 |
| Noninterest expense to average assets | 3.0231% | 2,052 |
| Loan and lease loss provision to assets | 0.1556% | 1,327 |
| Net operating income to assets | 0.8306% | 3,386 |
| Return on assets (ROA) | 0.8275% | 3,434 |
| Pretax return on assets | 1.1845% | 2,967 |
| Return on Equity (ROE) | 8.9839% | 2,611 |
| Retained earnings to average equity (ytd only) | 7.0580% | 1,661 |
| Net charge-offs to loans | 0.2383% | 894 |
| Credit loss provision to net charge-offs | 90.0901% | 2,459 |
| Earnings coverage of net charge-offs (x) | 7.7838% | 2,839 |
| Efficiency ratio | 68.4481% | 2,792 |
| Assets per employee ($millions) | 4.0883% | 3,843 |
| Cash dividends to net income (ytd only)* | 21.4366% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 3,684 |
| Loan loss allowance to noncurrent loans | 109.4254% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 0.7635% | 2,225 |
| Noncurrent loans to loans | 0.9752% | 1,973 |
| Net loans and leases to total assets | 72.2227% | 2,225 |
| Net loans and leases to deposits | 86.5868% | 2,230 |
| Net loans and leases to core deposits | 96.0379% | 2,068 |
| Total domestic deposits to total assets | 83.4108% | 3,323 |
| Equity capital to assets | 9.2516% | 4,682 |
| Core capital (leverage) ratio | 9.5215% | 4,138 |
| Tier 1 risk-based capital ratio | 11.3279% | 5,058 |
| Total risk-based capital ratio | 12.3021% | 5,106 |
| Memoranda: | ||
| Average total assets | $428,419,750 | 1,622 |
| Average earning assets | $397,132,750 | 1,617 |
| Average equity | $39,462,250 | 1,894 |
| Average total loans | $310,473,500 | 1,532 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5284% | 1,441 |
| Cost of funding earning assets | 0.6887% | 949 |
| Net interest margin | 3.8397% | 2,131 |
| Noninterest income to average assets | 0.8043% | 1,556 |
| Noninterest expense to average assets | 3.0510% | 1,973 |
| Loan and lease loss provision to assets | 0.1678% | 1,174 |
| Net operating income to assets | 0.8014% | 3,396 |
| Return on assets (ROA) | 0.7967% | 3,472 |
| Pretax return on assets | 1.1361% | 3,024 |
| Return on Equity (ROE) | 8.6631% | 2,689 |
| Retained earnings to average equity (ytd only) | 5.6920% | 2,302 |
| Net charge-offs to loans | 0.2441% | 836 |
| Credit loss provision to net charge-offs | 95.1087% | 2,094 |
| Earnings coverage of net charge-offs (x) | 7.4293% | 2,604 |
| Efficiency ratio | 69.1614% | 2,819 |
| Assets per employee ($millions) | 3.7857% | 4,301 |
| Cash dividends to net income (ytd only)* | 34.2960% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1623% | 3,234 |
| Loan loss allowance to noncurrent loans | 138.1984% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.6732% | 2,531 |
| Noncurrent loans to loans | 0.8410% | 2,301 |
| Net loans and leases to total assets | 72.2770% | 2,154 |
| Net loans and leases to deposits | 85.6906% | 2,257 |
| Net loans and leases to core deposits | 95.3599% | 2,040 |
| Total domestic deposits to total assets | 84.3465% | 3,067 |
| Equity capital to assets | 9.1770% | 4,735 |
| Core capital (leverage) ratio | 9.0684% | 4,647 |
| Tier 1 risk-based capital ratio | 11.4745% | 4,967 |
| Total risk-based capital ratio | 12.5630% | 4,965 |
| Memoranda: | ||
| Average total assets | $417,234,670 | 1,658 |
| Average earning assets | $386,541,000 | 1,656 |
| Average equity | $38,369,670 | 1,936 |
| Average total loans | $301,548,000 | 1,572 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4842% | 1,411 |
| Cost of funding earning assets | 0.6627% | 1,012 |
| Net interest margin | 3.8215% | 2,038 |
| Noninterest income to average assets | 0.7418% | 1,774 |
| Noninterest expense to average assets | 3.0450% | 2,031 |
| Loan and lease loss provision to assets | 0.1456% | 1,281 |
| Net operating income to assets | 0.7653% | 3,402 |
| Return on assets (ROA) | 0.7748% | 3,395 |
| Pretax return on assets | 1.1089% | 2,944 |
| Return on Equity (ROE) | 8.4165% | 2,708 |
| Retained earnings to average equity (ytd only) | 8.4165% | 1,303 |
| Net charge-offs to loans | 0.0338% | 2,104 |
| Credit loss provision to net charge-offs | 600.0000% | 507 |
| Earnings coverage of net charge-offs (x) | 51.1200% | 886 |
| Efficiency ratio | 70.2311% | 2,848 |
| Assets per employee ($millions) | 3.7539% | 4,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 2,830 |
| Loan loss allowance to noncurrent loans | 136.0821% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.7154% | 2,505 |
| Noncurrent loans to loans | 0.9177% | 2,204 |
| Net loans and leases to total assets | 71.0757% | 2,206 |
| Net loans and leases to deposits | 84.4176% | 2,233 |
| Net loans and leases to core deposits | 93.9779% | 1,986 |
| Total domestic deposits to total assets | 84.1955% | 3,397 |
| Equity capital to assets | 9.1481% | 4,661 |
| Core capital (leverage) ratio | 9.3419% | 4,288 |
| Tier 1 risk-based capital ratio | 12.0148% | 4,708 |
| Total risk-based capital ratio | 13.2095% | 4,647 |
| Memoranda: | ||
| Average total assets | $411,957,500 | 1,689 |
| Average earning assets | $382,049,000 | 1,684 |
| Average equity | $37,925,500 | 1,963 |
| Average total loans | $295,907,500 | 1,602 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6705% | 1,115 |
| Cost of funding earning assets | 0.6757% | 928 |
| Net interest margin | 3.9948% | 1,643 |
| Noninterest income to average assets | 0.9441% | 1,283 |
| Noninterest expense to average assets | 3.3620% | 1,438 |
| Loan and lease loss provision to assets | 0.2578% | 807 |
| Net operating income to assets | 0.7287% | 3,645 |
| Return on assets (ROA) | 0.7355% | 3,726 |
| Pretax return on assets | 1.0467% | 3,311 |
| Return on Equity (ROE) | 7.8635% | 3,017 |
| Retained earnings to average equity (ytd only) | 6.5807% | 1,416 |
| Net charge-offs to loans | 0.3515% | 772 |
| Credit loss provision to net charge-offs | 102.9562% | 2,512 |
| Earnings coverage of net charge-offs (x) | 5.1702% | 3,378 |
| Efficiency ratio | 71.4106% | 2,680 |
| Assets per employee ($millions) | 3.7708% | 4,363 |
| Cash dividends to net income (ytd only)* | 16.3138% | 3,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 2,738 |
| Loan loss allowance to noncurrent loans | 128.5262% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.7775% | 2,407 |
| Noncurrent loans to loans | 0.9830% | 2,129 |
| Net loans and leases to total assets | 70.7730% | 2,373 |
| Net loans and leases to deposits | 82.8742% | 2,561 |
| Net loans and leases to core deposits | 93.8492% | 2,123 |
| Total domestic deposits to total assets | 85.3980% | 2,878 |
| Equity capital to assets | 9.2667% | 4,504 |
| Core capital (leverage) ratio | 9.4076% | 4,214 |
| Tier 1 risk-based capital ratio | 12.2682% | 4,524 |
| Total risk-based capital ratio | 13.4717% | 4,442 |
| Memoranda: | ||
| Average total assets | $391,702,000 | 1,713 |
| Average earning assets | $364,047,600 | 1,707 |
| Average equity | $36,637,600 | 1,997 |
| Average total loans | $279,053,400 | 1,621 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5318% | 1,447 |
| Cost of funding earning assets | 0.6745% | 925 |
| Net interest margin | 3.8573% | 2,128 |
| Noninterest income to average assets | 0.9836% | 1,177 |
| Noninterest expense to average assets | 3.3974% | 1,345 |
| Loan and lease loss provision to assets | 0.1543% | 1,510 |
| Net operating income to assets | 0.7114% | 3,783 |
| Return on assets (ROA) | 0.7206% | 3,871 |
| Pretax return on assets | 1.0265% | 3,527 |
| Return on Equity (ROE) | 7.6853% | 3,198 |
| Retained earnings to average equity (ytd only) | 7.5024% | 1,400 |
| Net charge-offs to loans | 0.4484% | 473 |
| Credit loss provision to net charge-offs | 48.3871% | 3,054 |
| Earnings coverage of net charge-offs (x) | 3.6613% | 3,378 |
| Efficiency ratio | 73.6083% | 2,357 |
| Assets per employee ($millions) | 3.6233% | 4,605 |
| Cash dividends to net income (ytd only)* | 2.3800% | 3,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 3,625 |
| Loan loss allowance to noncurrent loans | 87.4826% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 1.0207% | 2,022 |
| Noncurrent loans to loans | 1.3014% | 1,712 |
| Net loans and leases to total assets | 69.7891% | 2,523 |
| Net loans and leases to deposits | 82.5393% | 2,667 |
| Net loans and leases to core deposits | 91.1846% | 2,465 |
| Total domestic deposits to total assets | 84.5526% | 3,009 |
| Equity capital to assets | 9.7502% | 4,418 |
| Core capital (leverage) ratio | 9.3651% | 4,373 |
| Tier 1 risk-based capital ratio | 12.3634% | 4,565 |
| Total risk-based capital ratio | 13.4180% | 4,590 |
| Memoranda: | ||
| Average total assets | $388,757,750 | 1,725 |
| Average earning assets | $360,967,750 | 1,718 |
| Average equity | $36,449,750 | 2,011 |
| Average total loans | $276,514,750 | 1,631 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5320% | 1,425 |
| Cost of funding earning assets | 0.6596% | 999 |
| Net interest margin | 3.8724% | 2,075 |
| Noninterest income to average assets | 0.9961% | 1,128 |
| Noninterest expense to average assets | 3.3714% | 1,430 |
| Loan and lease loss provision to assets | 0.1547% | 1,480 |
| Net operating income to assets | 0.7383% | 3,614 |
| Return on assets (ROA) | 0.7383% | 3,776 |
| Pretax return on assets | 1.0601% | 3,364 |
| Return on Equity (ROE) | 7.9818% | 2,981 |
| Retained earnings to average equity (ytd only) | 7.7031% | 1,288 |
| Net charge-offs to loans | 0.4635% | 481 |
| Credit loss provision to net charge-offs | 46.8019% | 2,702 |
| Earnings coverage of net charge-offs (x) | 3.6755% | 3,076 |
| Efficiency ratio | 72.7038% | 2,563 |
| Assets per employee ($millions) | 3.6761% | 4,480 |
| Cash dividends to net income (ytd only)* | 3.4916% | 3,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 3,405 |
| Loan loss allowance to noncurrent loans | 69.5468% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 1.3604% | 1,456 |
| Noncurrent loans to loans | 1.7152% | 1,234 |
| Net loans and leases to total assets | 69.1544% | 2,612 |
| Net loans and leases to deposits | 80.4208% | 2,879 |
| Net loans and leases to core deposits | 87.8409% | 2,738 |
| Total domestic deposits to total assets | 85.9907% | 2,425 |
| Equity capital to assets | 9.5610% | 4,705 |
| Core capital (leverage) ratio | 9.1010% | 4,715 |
| Tier 1 risk-based capital ratio | 12.2663% | 4,665 |
| Total risk-based capital ratio | 13.3797% | 4,668 |
| Memoranda: | ||
| Average total assets | $387,905,000 | 1,732 |
| Average earning assets | $359,619,330 | 1,731 |
| Average equity | $35,881,670 | 2,042 |
| Average total loans | $276,606,000 | 1,633 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5368% | 1,406 |
| Cost of funding earning assets | 0.6402% | 1,101 |
| Net interest margin | 3.8965% | 1,944 |
| Noninterest income to average assets | 0.9751% | 1,136 |
| Noninterest expense to average assets | 3.2774% | 1,655 |
| Loan and lease loss provision to assets | 0.1558% | 1,343 |
| Net operating income to assets | 0.7872% | 3,309 |
| Return on assets (ROA) | 0.7872% | 3,416 |
| Pretax return on assets | 1.1444% | 2,917 |
| Return on Equity (ROE) | 8.6583% | 2,577 |
| Retained earnings to average equity (ytd only) | 8.0872% | 1,419 |
| Net charge-offs to loans | 0.1111% | 1,462 |
| Credit loss provision to net charge-offs | 194.8052% | 1,103 |
| Earnings coverage of net charge-offs (x) | 16.2597% | 1,626 |
| Efficiency ratio | 70.7804% | 2,989 |
| Assets per employee ($millions) | 3.5721% | 4,697 |
| Cash dividends to net income (ytd only)* | 6.5963% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3386% | 2,714 |
| Loan loss allowance to noncurrent loans | 81.5436% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.3282% | 1,606 |
| Noncurrent loans to loans | 1.6416% | 1,390 |
| Net loans and leases to total assets | 70.6502% | 2,244 |
| Net loans and leases to deposits | 81.8679% | 2,561 |
| Net loans and leases to core deposits | 90.2044% | 2,353 |
| Total domestic deposits to total assets | 86.2978% | 2,540 |
| Equity capital to assets | 9.1792% | 5,011 |
| Core capital (leverage) ratio | 8.9651% | 4,905 |
| Tier 1 risk-based capital ratio | 11.6904% | 5,112 |
| Total risk-based capital ratio | 12.9406% | 5,028 |
| Memoranda: | ||
| Average total assets | $385,184,500 | 1,739 |
| Average earning assets | $356,111,500 | 1,748 |
| Average equity | $35,018,500 | 2,084 |
| Average total loans | $277,259,000 | 1,626 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8571% | 839 |
| Cost of funding earning assets | 0.6068% | 1,327 |
| Net interest margin | 4.2503% | 1,066 |
| Noninterest income to average assets | 0.9686% | 1,263 |
| Noninterest expense to average assets | 3.4292% | 1,435 |
| Loan and lease loss provision to assets | 0.1253% | 1,924 |
| Net operating income to assets | 0.9329% | 2,693 |
| Return on assets (ROA) | 0.9628% | 2,636 |
| Pretax return on assets | 1.4081% | 1,869 |
| Return on Equity (ROE) | 10.1933% | 1,933 |
| Retained earnings to average equity (ytd only) | 5.5578% | 2,046 |
| Net charge-offs to loans | 0.0522% | 3,153 |
| Credit loss provision to net charge-offs | 319.1489% | 934 |
| Earnings coverage of net charge-offs (x) | 37.9504% | 1,224 |
| Efficiency ratio | 68.9039% | 3,420 |
| Assets per employee ($millions) | 3.4962% | 4,845 |
| Cash dividends to net income (ytd only)* | 45.4756% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3027% | 2,880 |
| Loan loss allowance to noncurrent loans | 106.9637% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 1.5359% | 1,302 |
| Noncurrent loans to loans | 1.2179% | 1,937 |
| Net loans and leases to total assets | 71.4114% | 2,147 |
| Net loans and leases to deposits | 82.5901% | 2,525 |
| Net loans and leases to core deposits | 91.6654% | 2,256 |
| Total domestic deposits to total assets | 86.4649% | 2,397 |
| Equity capital to assets | 9.0032% | 5,115 |
| Core capital (leverage) ratio | 8.9958% | 4,888 |
| Tier 1 risk-based capital ratio | 11.5360% | 5,226 |
| Total risk-based capital ratio | 12.7830% | 5,140 |
| Memoranda: | ||
| Average total assets | $359,266,200 | 1,830 |
| Average earning assets | $333,883,000 | 1,815 |
| Average equity | $33,934,200 | 2,099 |
| Average total loans | $270,256,000 | 1,616 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8867% | 789 |
| Cost of funding earning assets | 0.5960% | 1,433 |
| Net interest margin | 4.2907% | 974 |
| Noninterest income to average assets | 1.0608% | 1,065 |
| Noninterest expense to average assets | 3.4664% | 1,354 |
| Loan and lease loss provision to assets | 0.1417% | 1,568 |
| Net operating income to assets | 0.9843% | 2,546 |
| Return on assets (ROA) | 1.0249% | 2,439 |
| Pretax return on assets | 1.5077% | 1,663 |
| Return on Equity (ROE) | 10.7141% | 1,819 |
| Retained earnings to average equity (ytd only) | 8.4512% | 1,071 |
| Net charge-offs to loans | 0.0214% | 3,506 |
| Credit loss provision to net charge-offs | 872.0930% | 414 |
| Earnings coverage of net charge-offs (x) | 97.8638% | 641 |
| Efficiency ratio | 67.7525% | 3,591 |
| Assets per employee ($millions) | 3.2444% | 5,230 |
| Cash dividends to net income (ytd only)* | 21.1205% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 3,199 |
| Loan loss allowance to noncurrent loans | 131.8872% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.9288% | 2,538 |
| Noncurrent loans to loans | 0.9714% | 2,557 |
| Net loans and leases to total assets | 76.6768% | 1,291 |
| Net loans and leases to deposits | 89.3990% | 1,726 |
| Net loans and leases to core deposits | 97.0184% | 1,790 |
| Total domestic deposits to total assets | 85.7692% | 2,658 |
| Equity capital to assets | 9.4860% | 4,767 |
| Core capital (leverage) ratio | 9.3398% | 4,527 |
| Tier 1 risk-based capital ratio | 11.8385% | 5,174 |
| Total risk-based capital ratio | 13.0888% | 5,100 |
| Memoranda: | ||
| Average total assets | $352,936,750 | 1,866 |
| Average earning assets | $328,640,500 | 1,858 |
| Average equity | $33,761,500 | 2,116 |
| Average total loans | $268,254,500 | 1,636 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8178% | 861 |
| Cost of funding earning assets | 0.5822% | 1,545 |
| Net interest margin | 4.2356% | 1,037 |
| Noninterest income to average assets | 1.0138% | 1,150 |
| Noninterest expense to average assets | 3.4107% | 1,454 |
| Loan and lease loss provision to assets | 0.1722% | 1,208 |
| Net operating income to assets | 0.9464% | 2,657 |
| Return on assets (ROA) | 0.9650% | 2,673 |
| Pretax return on assets | 1.4088% | 1,945 |
| Return on Equity (ROE) | 10.0589% | 2,039 |
| Retained earnings to average equity (ytd only) | 6.9294% | 1,730 |
| Net charge-offs to loans | 0.0381% | 2,919 |
| Credit loss provision to net charge-offs | 600.0000% | 547 |
| Earnings coverage of net charge-offs (x) | 54.1400% | 903 |
| Efficiency ratio | 67.8654% | 3,691 |
| Assets per employee ($millions) | 3.2143% | 5,320 |
| Cash dividends to net income (ytd only)* | 31.1124% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 3,242 |
| Loan loss allowance to noncurrent loans | 151.1657% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.9061% | 2,721 |
| Noncurrent loans to loans | 0.8598% | 2,977 |
| Net loans and leases to total assets | 75.2187% | 1,475 |
| Net loans and leases to deposits | 87.0579% | 1,934 |
| Net loans and leases to core deposits | 94.9215% | 1,883 |
| Total domestic deposits to total assets | 86.4007% | 2,488 |
| Equity capital to assets | 9.3668% | 4,823 |
| Core capital (leverage) ratio | 9.1227% | 4,785 |
| Tier 1 risk-based capital ratio | 12.2281% | 4,977 |
| Total risk-based capital ratio | 13.4790% | 4,880 |
| Memoranda: | ||
| Average total assets | $348,378,000 | 1,907 |
| Average earning assets | $324,961,000 | 1,887 |
| Average equity | $33,423,000 | 2,140 |
| Average total loans | $262,754,330 | 1,669 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8216% | 823 |
| Cost of funding earning assets | 0.5742% | 1,625 |
| Net interest margin | 4.2474% | 978 |
| Noninterest income to average assets | 0.9493% | 1,234 |
| Noninterest expense to average assets | 3.4224% | 1,448 |
| Loan and lease loss provision to assets | 0.1751% | 1,110 |
| Net operating income to assets | 0.8986% | 2,748 |
| Return on assets (ROA) | 0.9365% | 2,708 |
| Pretax return on assets | 1.3627% | 2,028 |
| Return on Equity (ROE) | 9.6412% | 2,161 |
| Retained earnings to average equity (ytd only) | 9.4007% | 1,070 |
| Net charge-offs to loans | 0.0093% | 3,022 |
| Credit loss provision to net charge-offs | 2,500.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 211.6667% | 273 |
| Efficiency ratio | 68.9122% | 3,676 |
| Assets per employee ($millions) | 3.3415% | 5,178 |
| Cash dividends to net income (ytd only)* | 2.4938% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 3,315 |
| Loan loss allowance to noncurrent loans | 147.0463% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.8995% | 2,836 |
| Noncurrent loans to loans | 0.8956% | 2,998 |
| Net loans and leases to total assets | 73.8936% | 1,520 |
| Net loans and leases to deposits | 85.7935% | 1,854 |
| Net loans and leases to core deposits | 93.5920% | 1,800 |
| Total domestic deposits to total assets | 86.1297% | 2,871 |
| Equity capital to assets | 9.6187% | 4,612 |
| Core capital (leverage) ratio | 9.6031% | 4,146 |
| Tier 1 risk-based capital ratio | 12.6456% | 4,819 |
| Total risk-based capital ratio | 13.8963% | 4,731 |
| Memoranda: | ||
| Average total assets | $342,564,500 | 1,947 |
| Average earning assets | $319,063,000 | 1,930 |
| Average equity | $33,274,000 | 2,161 |
| Average total loans | $256,953,000 | 1,702 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5212% | 304 |
| Cost of funding earning assets | 0.5513% | 2,196 |
| Net interest margin | 4.9699% | 321 |
| Noninterest income to average assets | 1.0541% | 1,096 |
| Noninterest expense to average assets | 3.8863% | 872 |
| Loan and lease loss provision to assets | 0.2779% | 766 |
| Net operating income to assets | 0.9847% | 2,455 |
| Return on assets (ROA) | 0.9933% | 2,494 |
| Pretax return on assets | 1.4730% | 1,643 |
| Return on Equity (ROE) | 9.9195% | 2,154 |
| Retained earnings to average equity (ytd only) | 4.7352% | 2,807 |
| Net charge-offs to loans | 0.5630% | 722 |
| Credit loss provision to net charge-offs | 65.1355% | 3,182 |
| Earnings coverage of net charge-offs (x) | 4.0738% | 3,744 |
| Efficiency ratio | 68.2927% | 3,849 |
| Assets per employee ($millions) | 3.5187% | 4,874 |
| Cash dividends to net income (ytd only)* | 52.2639% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 3,315 |
| Loan loss allowance to noncurrent loans | 114.1087% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 1.4016% | 1,986 |
| Noncurrent loans to loans | 1.1569% | 2,528 |
| Net loans and leases to total assets | 74.1519% | 1,559 |
| Net loans and leases to deposits | 86.1518% | 1,960 |
| Net loans and leases to core deposits | 93.1040% | 1,982 |
| Total domestic deposits to total assets | 86.0712% | 2,798 |
| Equity capital to assets | 9.8124% | 4,333 |
| Core capital (leverage) ratio | 9.4570% | 4,297 |
| Tier 1 risk-based capital ratio | 12.2912% | 5,162 |
| Total risk-based capital ratio | 13.5420% | 5,079 |
| Memoranda: | ||
| Average total assets | $311,273,800 | 2,085 |
| Average earning assets | $286,244,000 | 2,082 |
| Average equity | $31,171,000 | 2,209 |
| Average total loans | $235,886,600 | 1,786 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6403% | 253 |
| Cost of funding earning assets | 0.5496% | 2,295 |
| Net interest margin | 5.0906% | 250 |
| Noninterest income to average assets | 1.0343% | 1,146 |
| Noninterest expense to average assets | 3.8525% | 907 |
| Loan and lease loss provision to assets | 0.3448% | 516 |
| Net operating income to assets | 1.0151% | 2,385 |
| Return on assets (ROA) | 1.0268% | 2,395 |
| Pretax return on assets | 1.5270% | 1,558 |
| Return on Equity (ROE) | 10.1979% | 2,122 |
| Retained earnings to average equity (ytd only) | 7.6192% | 1,525 |
| Net charge-offs to loans | 0.6711% | 525 |
| Credit loss provision to net charge-offs | 67.6370% | 2,808 |
| Earnings coverage of net charge-offs (x) | 3.6379% | 3,621 |
| Efficiency ratio | 66.6973% | 4,097 |
| Assets per employee ($millions) | 3.2057% | 5,416 |
| Cash dividends to net income (ytd only)* | 25.2868% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3733% | 3,293 |
| Loan loss allowance to noncurrent loans | 91.9189% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 1.7371% | 1,722 |
| Noncurrent loans to loans | 1.4941% | 2,173 |
| Net loans and leases to total assets | 76.9595% | 1,097 |
| Net loans and leases to deposits | 90.3680% | 1,390 |
| Net loans and leases to core deposits | 96.8262% | 1,607 |
| Total domestic deposits to total assets | 85.1623% | 3,275 |
| Equity capital to assets | 10.3747% | 3,707 |
| Core capital (leverage) ratio | 9.9372% | 3,761 |
| Tier 1 risk-based capital ratio | 12.6175% | 5,093 |
| Total risk-based capital ratio | 13.8690% | 5,013 |
| Memoranda: | ||
| Average total assets | $305,524,250 | 2,139 |
| Average earning assets | $280,428,750 | 2,138 |
| Average equity | $30,763,750 | 2,243 |
| Average total loans | $232,062,000 | 1,817 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1733% | 532 |
| Cost of funding earning assets | 0.5630% | 2,232 |
| Net interest margin | 4.6103% | 573 |
| Noninterest income to average assets | 1.0021% | 1,191 |
| Noninterest expense to average assets | 3.7715% | 1,010 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9848% | 2,386 |
| Return on assets (ROA) | 0.9848% | 2,465 |
| Pretax return on assets | 1.4557% | 1,695 |
| Return on Equity (ROE) | 9.8858% | 2,205 |
| Retained earnings to average equity (ytd only) | 6.2577% | 2,178 |
| Net charge-offs to loans | 0.8613% | 433 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.2467% | 3,591 |
| Efficiency ratio | 71.4032% | 3,445 |
| Assets per employee ($millions) | 3.1674% | 5,479 |
| Cash dividends to net income (ytd only)* | 36.7003% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0521% | 5,106 |
| Loan loss allowance to noncurrent loans | 65.9326% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 1.8781% | 1,731 |
| Noncurrent loans to loans | 1.5958% | 2,179 |
| Net loans and leases to total assets | 74.8177% | 1,330 |
| Net loans and leases to deposits | 86.6953% | 1,750 |
| Net loans and leases to core deposits | 93.9075% | 1,784 |
| Total domestic deposits to total assets | 86.2996% | 2,882 |
| Equity capital to assets | 10.0155% | 4,086 |
| Core capital (leverage) ratio | 9.5202% | 4,302 |
| Tier 1 risk-based capital ratio | 12.3457% | 5,336 |
| Total risk-based capital ratio | 13.3732% | 5,392 |
| Memoranda: | ||
| Average total assets | $301,576,670 | 2,162 |
| Average earning assets | $276,381,000 | 2,167 |
| Average equity | $30,043,000 | 2,276 |
| Average total loans | $226,867,670 | 1,852 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0842% | 614 |
| Cost of funding earning assets | 0.6572% | 1,540 |
| Net interest margin | 4.4270% | 759 |
| Noninterest income to average assets | 0.8618% | 1,513 |
| Noninterest expense to average assets | 3.5881% | 1,328 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9015% | 2,642 |
| Return on assets (ROA) | 0.9015% | 2,710 |
| Pretax return on assets | 1.3283% | 1,998 |
| Return on Equity (ROE) | 9.0757% | 2,424 |
| Retained earnings to average equity (ytd only) | 8.6626% | 1,358 |
| Net charge-offs to loans | 0.1441% | 1,862 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 12.2911% | 1,726 |
| Efficiency ratio | 72.1480% | 3,459 |
| Assets per employee ($millions) | 3.2056% | 5,511 |
| Cash dividends to net income (ytd only)* | 4.5524% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4491% | 3,369 |
| Loan loss allowance to noncurrent loans | 80.1257% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 2.1361% | 1,571 |
| Noncurrent loans to loans | 1.8086% | 2,119 |
| Net loans and leases to total assets | 72.3210% | 1,532 |
| Net loans and leases to deposits | 83.5665% | 1,867 |
| Net loans and leases to core deposits | 89.8179% | 1,929 |
| Total domestic deposits to total assets | 86.5430% | 3,084 |
| Equity capital to assets | 9.7231% | 4,201 |
| Core capital (leverage) ratio | 9.9947% | 3,582 |
| Tier 1 risk-based capital ratio | 12.5829% | 5,267 |
| Total risk-based capital ratio | 13.8349% | 5,201 |
| Memoranda: | ||
| Average total assets | $292,413,500 | 2,219 |
| Average earning assets | $267,810,000 | 2,235 |
| Average equity | $29,044,500 | 2,320 |
| Average total loans | $219,357,000 | 1,900 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1189% | 745 |
| Cost of funding earning assets | 0.6456% | 2,245 |
| Net interest margin | 4.4733% | 782 |
| Noninterest income to average assets | 1.3467% | 764 |
| Noninterest expense to average assets | 3.6009% | 1,447 |
| Loan and lease loss provision to assets | 0.4882% | 575 |
| Net operating income to assets | 0.9543% | 2,549 |
| Return on assets (ROA) | 0.9574% | 2,598 |
| Pretax return on assets | 1.3529% | 1,957 |
| Return on Equity (ROE) | 9.6834% | 2,244 |
| Retained earnings to average equity (ytd only) | 5.3884% | 2,356 |
| Net charge-offs to loans | 0.1775% | 3,054 |
| Credit loss provision to net charge-offs | 371.6814% | 618 |
| Earnings coverage of net charge-offs (x) | 13.9853% | 1,973 |
| Efficiency ratio | 65.3723% | 4,678 |
| Assets per employee ($millions) | 3.1453% | 5,598 |
| Cash dividends to net income (ytd only)* | 44.3545% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7512% | 2,230 |
| Loan loss allowance to noncurrent loans | 142.8224% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 1.3671% | 2,700 |
| Noncurrent loans to loans | 1.2261% | 3,096 |
| Net loans and leases to total assets | 75.6904% | 1,119 |
| Net loans and leases to deposits | 88.5506% | 1,407 |
| Net loans and leases to core deposits | 93.7982% | 1,614 |
| Total domestic deposits to total assets | 85.4770% | 3,519 |
| Equity capital to assets | 10.1926% | 3,518 |
| Core capital (leverage) ratio | 9.9379% | 3,659 |
| Tier 1 risk-based capital ratio | 12.9454% | 5,018 |
| Total risk-based capital ratio | 14.2018% | 4,967 |
| Memoranda: | ||
| Average total assets | $258,104,000 | 2,454 |
| Average earning assets | $236,045,200 | 2,457 |
| Average equity | $25,517,800 | 2,583 |
| Average total loans | $191,002,200 | 2,087 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1002% | 772 |
| Cost of funding earning assets | 0.6416% | 2,440 |
| Net interest margin | 4.4586% | 792 |
| Noninterest income to average assets | 1.0584% | 1,303 |
| Noninterest expense to average assets | 3.4985% | 1,616 |
| Loan and lease loss provision to assets | 0.2849% | 1,213 |
| Net operating income to assets | 0.9426% | 2,626 |
| Return on assets (ROA) | 0.9455% | 2,725 |
| Pretax return on assets | 1.3511% | 2,121 |
| Return on Equity (ROE) | 9.6386% | 2,331 |
| Retained earnings to average equity (ytd only) | 5.0649% | 3,032 |
| Net charge-offs to loans | 0.2023% | 2,614 |
| Credit loss provision to net charge-offs | 192.3077% | 1,253 |
| Earnings coverage of net charge-offs (x) | 11.0141% | 2,292 |
| Efficiency ratio | 67.2927% | 4,234 |
| Assets per employee ($millions) | 3.2868% | 5,306 |
| Cash dividends to net income (ytd only)* | 47.4522% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 3,540 |
| Loan loss allowance to noncurrent loans | 111.0896% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 1.4624% | 2,748 |
| Noncurrent loans to loans | 1.3315% | 3,196 |
| Net loans and leases to total assets | 74.4327% | 1,223 |
| Net loans and leases to deposits | 88.3549% | 1,331 |
| Net loans and leases to core deposits | 94.0607% | 1,571 |
| Total domestic deposits to total assets | 84.2429% | 4,090 |
| Equity capital to assets | 10.2537% | 3,573 |
| Core capital (leverage) ratio | 9.9556% | 3,732 |
| Tier 1 risk-based capital ratio | 13.0830% | 5,068 |
| Total risk-based capital ratio | 14.3359% | 5,016 |
| Memoranda: | ||
| Average total assets | $257,364,500 | 2,476 |
| Average earning assets | $235,046,000 | 2,482 |
| Average equity | $25,245,000 | 2,634 |
| Average total loans | $188,472,500 | 2,117 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0400% | 859 |
| Cost of funding earning assets | 0.6493% | 2,505 |
| Net interest margin | 4.3906% | 865 |
| Noninterest income to average assets | 1.0734% | 1,331 |
| Noninterest expense to average assets | 3.4591% | 1,699 |
| Loan and lease loss provision to assets | 0.2910% | 1,247 |
| Net operating income to assets | 0.9363% | 2,637 |
| Return on assets (ROA) | 0.9406% | 2,759 |
| Pretax return on assets | 1.3388% | 2,161 |
| Return on Equity (ROE) | 9.7359% | 2,303 |
| Retained earnings to average equity (ytd only) | 2.7794% | 4,544 |
| Net charge-offs to loans | 0.1382% | 2,997 |
| Credit loss provision to net charge-offs | 290.6977% | 890 |
| Earnings coverage of net charge-offs (x) | 16.2171% | 1,678 |
| Efficiency ratio | 67.1553% | 4,331 |
| Assets per employee ($millions) | 3.3975% | 5,065 |
| Cash dividends to net income (ytd only)* | 71.4521% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4705% | 3,719 |
| Loan loss allowance to noncurrent loans | 105.9940% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 1.4919% | 2,866 |
| Noncurrent loans to loans | 1.3873% | 3,221 |
| Net loans and leases to total assets | 72.9201% | 1,418 |
| Net loans and leases to deposits | 87.3390% | 1,422 |
| Net loans and leases to core deposits | 92.7164% | 1,637 |
| Total domestic deposits to total assets | 83.4909% | 4,510 |
| Equity capital to assets | 9.4470% | 4,654 |
| Core capital (leverage) ratio | 9.2488% | 4,624 |
| Tier 1 risk-based capital ratio | 11.7881% | 5,924 |
| Total risk-based capital ratio | 13.0405% | 5,868 |
| Memoranda: | ||
| Average total assets | $257,697,000 | 2,480 |
| Average earning assets | $235,318,330 | 2,495 |
| Average equity | $24,897,670 | 2,672 |
| Average total loans | $186,734,670 | 2,138 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0444% | 828 |
| Cost of funding earning assets | 0.6735% | 2,457 |
| Net interest margin | 4.3709% | 846 |
| Noninterest income to average assets | 1.0292% | 1,401 |
| Noninterest expense to average assets | 3.3940% | 1,848 |
| Loan and lease loss provision to assets | 0.3519% | 924 |
| Net operating income to assets | 0.8942% | 2,681 |
| Return on assets (ROA) | 0.9009% | 2,799 |
| Pretax return on assets | 1.2716% | 2,331 |
| Return on Equity (ROE) | 9.2199% | 2,390 |
| Retained earnings to average equity (ytd only) | 4.7380% | 3,396 |
| Net charge-offs to loans | 0.0065% | 4,029 |
| Credit loss provision to net charge-offs | 7,500.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 344.0000% | 109 |
| Efficiency ratio | 66.8332% | 4,513 |
| Assets per employee ($millions) | 3.2769% | 5,486 |
| Cash dividends to net income (ytd only)* | 48.6111% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5426% | 3,651 |
| Loan loss allowance to noncurrent loans | 101.4009% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 1.5897% | 2,879 |
| Noncurrent loans to loans | 1.5213% | 3,264 |
| Net loans and leases to total assets | 71.4088% | 1,448 |
| Net loans and leases to deposits | 80.8249% | 1,970 |
| Net loans and leases to core deposits | 87.0614% | 2,003 |
| Total domestic deposits to total assets | 88.3501% | 2,102 |
| Equity capital to assets | 9.9481% | 4,216 |
| Core capital (leverage) ratio | 9.2919% | 4,413 |
| Tier 1 risk-based capital ratio | 12.3313% | 5,691 |
| Total risk-based capital ratio | 13.5846% | 5,645 |
| Memoranda: | ||
| Average total assets | $255,742,000 | 2,528 |
| Average earning assets | $232,814,000 | 2,545 |
| Average equity | $24,989,500 | 2,707 |
| Average total loans | $183,296,500 | 2,178 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2678% | 987 |
| Cost of funding earning assets | 0.7994% | 2,672 |
| Net interest margin | 4.4684% | 1,007 |
| Noninterest income to average assets | 0.8825% | 1,924 |
| Noninterest expense to average assets | 3.1711% | 2,709 |
| Loan and lease loss provision to assets | 0.2788% | 2,423 |
| Net operating income to assets | 1.0541% | 2,107 |
| Return on assets (ROA) | 1.0627% | 2,267 |
| Pretax return on assets | 1.5055% | 1,656 |
| Return on Equity (ROE) | 10.7907% | 1,876 |
| Retained earnings to average equity (ytd only) | 4.0816% | 3,341 |
| Net charge-offs to loans | 0.3017% | 3,140 |
| Credit loss provision to net charge-offs | 133.1418% | 2,103 |
| Earnings coverage of net charge-offs (x) | 8.4636% | 2,410 |
| Efficiency ratio | 63.1827% | 5,041 |
| Assets per employee ($millions) | 3.5022% | 5,000 |
| Cash dividends to net income (ytd only)* | 62.1744% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 4,090 |
| Loan loss allowance to noncurrent loans | 91.0714% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.6025% | 2,988 |
| Noncurrent loans to loans | 1.5556% | 3,286 |
| Net loans and leases to total assets | 69.8362% | 1,876 |
| Net loans and leases to deposits | 78.6370% | 2,444 |
| Net loans and leases to core deposits | 85.0350% | 2,420 |
| Total domestic deposits to total assets | 88.8083% | 1,695 |
| Equity capital to assets | 9.5993% | 4,754 |
| Core capital (leverage) ratio | 9.1809% | 4,613 |
| Tier 1 risk-based capital ratio | 12.2095% | 5,653 |
| Total risk-based capital ratio | 13.4612% | 5,605 |
| Memoranda: | ||
| Average total assets | $249,280,000 | 2,539 |
| Average earning assets | $226,547,400 | 2,546 |
| Average equity | $24,549,000 | 2,704 |
| Average total loans | $173,025,800 | 2,281 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3050% | 1,004 |
| Cost of funding earning assets | 0.8215% | 2,759 |
| Net interest margin | 4.4836% | 1,022 |
| Noninterest income to average assets | 0.8903% | 1,868 |
| Noninterest expense to average assets | 3.2100% | 2,538 |
| Loan and lease loss provision to assets | 0.2539% | 2,540 |
| Net operating income to assets | 1.0604% | 2,251 |
| Return on assets (ROA) | 1.0718% | 2,411 |
| Pretax return on assets | 1.5234% | 1,796 |
| Return on Equity (ROE) | 10.8117% | 2,023 |
| Retained earnings to average equity (ytd only) | 5.0843% | 3,311 |
| Net charge-offs to loans | 0.1941% | 3,567 |
| Credit loss provision to net charge-offs | 189.5161% | 1,461 |
| Earnings coverage of net charge-offs (x) | 13.1451% | 1,944 |
| Efficiency ratio | 63.6057% | 4,871 |
| Assets per employee ($millions) | 3.3063% | 5,431 |
| Cash dividends to net income (ytd only)* | 52.9738% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4909% | 3,991 |
| Loan loss allowance to noncurrent loans | 129.3945% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 1.2813% | 3,726 |
| Noncurrent loans to loans | 1.1522% | 4,135 |
| Net loans and leases to total assets | 71.5633% | 1,635 |
| Net loans and leases to deposits | 81.5367% | 2,179 |
| Net loans and leases to core deposits | 87.9611% | 2,220 |
| Total domestic deposits to total assets | 87.7682% | 2,189 |
| Equity capital to assets | 10.1874% | 4,222 |
| Core capital (leverage) ratio | 9.1629% | 4,814 |
| Tier 1 risk-based capital ratio | 12.5476% | 5,606 |
| Total risk-based capital ratio | 13.8002% | 5,566 |
| Memoranda: | ||
| Average total assets | $246,808,750 | 2,587 |
| Average earning assets | $224,636,250 | 2,591 |
| Average equity | $24,466,750 | 2,737 |
| Average total loans | $170,384,250 | 2,337 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2737% | 1,102 |
| Cost of funding earning assets | 0.8302% | 2,946 |
| Net interest margin | 4.4435% | 1,092 |
| Noninterest income to average assets | 0.8888% | 1,825 |
| Noninterest expense to average assets | 3.2239% | 2,513 |
| Loan and lease loss provision to assets | 0.2424% | 2,638 |
| Net operating income to assets | 1.0283% | 2,348 |
| Return on assets (ROA) | 1.0407% | 2,521 |
| Pretax return on assets | 1.4795% | 1,924 |
| Return on Equity (ROE) | 10.5947% | 2,134 |
| Retained earnings to average equity (ytd only) | 4.2938% | 3,755 |
| Net charge-offs to loans | 0.1882% | 3,454 |
| Credit loss provision to net charge-offs | 189.8734% | 1,492 |
| Earnings coverage of net charge-offs (x) | 13.3481% | 1,802 |
| Efficiency ratio | 64.4368% | 4,810 |
| Assets per employee ($millions) | 3.5451% | 4,882 |
| Cash dividends to net income (ytd only)* | 59.4720% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4655% | 4,176 |
| Loan loss allowance to noncurrent loans | 144.6258% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 1.1379% | 4,117 |
| Noncurrent loans to loans | 1.0133% | 4,484 |
| Net loans and leases to total assets | 68.6509% | 2,177 |
| Net loans and leases to deposits | 78.5657% | 2,587 |
| Net loans and leases to core deposits | 84.1433% | 2,675 |
| Total domestic deposits to total assets | 87.3803% | 2,546 |
| Equity capital to assets | 9.7417% | 4,704 |
| Core capital (leverage) ratio | 9.0424% | 4,853 |
| Tier 1 risk-based capital ratio | 12.3007% | 5,719 |
| Total risk-based capital ratio | 13.5531% | 5,699 |
| Memoranda: | ||
| Average total assets | $247,523,000 | 2,577 |
| Average earning assets | $225,002,330 | 2,586 |
| Average equity | $24,314,000 | 2,737 |
| Average total loans | $167,932,000 | 2,375 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2954% | 1,105 |
| Cost of funding earning assets | 0.8927% | 2,747 |
| Net interest margin | 4.4026% | 1,224 |
| Noninterest income to average assets | 0.8817% | 1,826 |
| Noninterest expense to average assets | 3.2220% | 2,527 |
| Loan and lease loss provision to assets | 0.2445% | 2,510 |
| Net operating income to assets | 0.9964% | 2,495 |
| Return on assets (ROA) | 1.0137% | 2,617 |
| Pretax return on assets | 1.4342% | 2,073 |
| Return on Equity (ROE) | 10.2763% | 2,309 |
| Retained earnings to average equity (ytd only) | 10.2763% | 1,203 |
| Net charge-offs to loans | 0.1388% | 3,269 |
| Credit loss provision to net charge-offs | 263.1579% | 1,101 |
| Earnings coverage of net charge-offs (x) | 17.8070% | 1,292 |
| Efficiency ratio | 65.0735% | 4,725 |
| Assets per employee ($millions) | 3.3640% | 5,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5412% | 3,984 |
| Loan loss allowance to noncurrent loans | 154.8526% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 1.8447% | 3,121 |
| Noncurrent loans to loans | 0.9952% | 4,686 |
| Net loans and leases to total assets | 64.6986% | 2,715 |
| Net loans and leases to deposits | 72.3047% | 3,388 |
| Net loans and leases to core deposits | 77.7153% | 3,368 |
| Total domestic deposits to total assets | 89.4804% | 1,382 |
| Equity capital to assets | 9.8061% | 4,363 |
| Core capital (leverage) ratio | 9.1916% | 4,533 |
| Tier 1 risk-based capital ratio | 12.9906% | 5,227 |
| Total risk-based capital ratio | 14.2432% | 5,195 |
| Memoranda: | ||
| Average total assets | $245,434,000 | 2,607 |
| Average earning assets | $222,685,000 | 2,629 |
| Average equity | $24,211,000 | 2,747 |
| Average total loans | $164,215,500 | 2,424 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4407% | 1,322 |
| Cost of funding earning assets | 1.1142% | 2,579 |
| Net interest margin | 4.3265% | 1,618 |
| Noninterest income to average assets | 0.7993% | 2,068 |
| Noninterest expense to average assets | 3.2583% | 2,662 |
| Loan and lease loss provision to assets | 0.2428% | 3,780 |
| Net operating income to assets | 0.8981% | 2,613 |
| Return on assets (ROA) | 0.9086% | 2,688 |
| Pretax return on assets | 1.2906% | 2,165 |
| Return on Equity (ROE) | 9.4754% | 2,256 |
| Retained earnings to average equity (ytd only) | 2.1061% | 4,711 |
| Net charge-offs to loans | 0.1446% | 4,985 |
| Credit loss provision to net charge-offs | 254.2373% | 949 |
| Earnings coverage of net charge-offs (x) | 15.8983% | 1,366 |
| Efficiency ratio | 67.2033% | 4,536 |
| Assets per employee ($millions) | 3.2694% | 5,581 |
| Cash dividends to net income (ytd only)* | 77.7728% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4728% | 4,136 |
| Loan loss allowance to noncurrent loans | 144.6961% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 1.9187% | 3,082 |
| Noncurrent loans to loans | 1.0179% | 4,671 |
| Net loans and leases to total assets | 67.1362% | 2,556 |
| Net loans and leases to deposits | 75.0896% | 3,332 |
| Net loans and leases to core deposits | 80.7830% | 3,344 |
| Total domestic deposits to total assets | 89.4082% | 1,311 |
| Equity capital to assets | 9.9247% | 4,264 |
| Core capital (leverage) ratio | 8.9336% | 4,887 |
| Tier 1 risk-based capital ratio | 12.6154% | 5,357 |
| Total risk-based capital ratio | 13.8672% | 5,343 |
| Memoranda: | ||
| Average total assets | $247,091,800 | 2,555 |
| Average earning assets | $227,158,400 | 2,537 |
| Average equity | $23,693,000 | 2,704 |
| Average total loans | $163,179,200 | 2,454 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4388% | 1,413 |
| Cost of funding earning assets | 1.1519% | 2,627 |
| Net interest margin | 4.2870% | 1,766 |
| Noninterest income to average assets | 0.8181% | 1,969 |
| Noninterest expense to average assets | 3.2600% | 2,633 |
| Loan and lease loss provision to assets | 0.2416% | 3,591 |
| Net operating income to assets | 0.8947% | 2,757 |
| Return on assets (ROA) | 0.9045% | 2,862 |
| Pretax return on assets | 1.2862% | 2,335 |
| Return on Equity (ROE) | 9.5141% | 2,384 |
| Retained earnings to average equity (ytd only) | 5.9964% | 2,557 |
| Net charge-offs to loans | 0.1802% | 4,354 |
| Credit loss provision to net charge-offs | 204.5455% | 1,432 |
| Earnings coverage of net charge-offs (x) | 12.8180% | 1,667 |
| Efficiency ratio | 67.2889% | 4,468 |
| Assets per employee ($millions) | 3.2952% | 5,489 |
| Cash dividends to net income (ytd only)* | 36.9735% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 4,634 |
| Loan loss allowance to noncurrent loans | 494.1810% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.7222% | 5,355 |
| Noncurrent loans to loans | 0.2796% | 6,303 |
| Net loans and leases to total assets | 67.1075% | 2,651 |
| Net loans and leases to deposits | 75.2520% | 3,465 |
| Net loans and leases to core deposits | 80.7330% | 3,524 |
| Total domestic deposits to total assets | 89.1771% | 1,315 |
| Equity capital to assets | 10.0983% | 4,208 |
| Core capital (leverage) ratio | 9.1104% | 4,771 |
| Tier 1 risk-based capital ratio | 12.8979% | 5,171 |
| Total risk-based capital ratio | 14.1488% | 5,151 |
| Memoranda: | ||
| Average total assets | $248,381,750 | 2,551 |
| Average earning assets | $229,185,750 | 2,524 |
| Average equity | $23,613,500 | 2,712 |
| Average total loans | $162,761,000 | 2,472 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3770% | 1,630 |
| Cost of funding earning assets | 1.2016% | 2,575 |
| Net interest margin | 4.1754% | 2,140 |
| Noninterest income to average assets | 0.8107% | 1,967 |
| Noninterest expense to average assets | 3.2390% | 2,771 |
| Loan and lease loss provision to assets | 0.2401% | 3,510 |
| Net operating income to assets | 0.8461% | 2,879 |
| Return on assets (ROA) | 0.8524% | 2,944 |
| Pretax return on assets | 1.2061% | 2,459 |
| Return on Equity (ROE) | 9.1508% | 2,450 |
| Retained earnings to average equity (ytd only) | 3.7978% | 3,800 |
| Net charge-offs to loans | -0.0346% | 6,953 |
| Credit loss provision to net charge-offs | -1,071.4286% | 6,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2526% | 4,470 |
| Assets per employee ($millions) | 3.3830% | 5,245 |
| Cash dividends to net income (ytd only)* | 58.4977% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 4,360 |
| Loan loss allowance to noncurrent loans | 372.5857% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.7849% | 5,325 |
| Noncurrent loans to loans | 0.3884% | 6,127 |
| Net loans and leases to total assets | 65.0791% | 3,241 |
| Net loans and leases to deposits | 72.5693% | 4,024 |
| Net loans and leases to core deposits | 77.3101% | 4,149 |
| Total domestic deposits to total assets | 89.6786% | 1,131 |
| Equity capital to assets | 9.4766% | 4,845 |
| Core capital (leverage) ratio | 8.6833% | 5,251 |
| Tier 1 risk-based capital ratio | 12.4822% | 5,364 |
| Total risk-based capital ratio | 13.7339% | 5,340 |
| Memoranda: | ||
| Average total assets | $249,894,670 | 2,551 |
| Average earning assets | $231,355,000 | 2,510 |
| Average equity | $23,276,670 | 2,733 |
| Average total loans | $161,704,670 | 2,517 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3622% | 1,693 |
| Cost of funding earning assets | 1.2947% | 2,210 |
| Net interest margin | 4.0675% | 2,399 |
| Noninterest income to average assets | 0.7642% | 2,196 |
| Noninterest expense to average assets | 3.2443% | 2,728 |
| Loan and lease loss provision to assets | 0.2403% | 3,269 |
| Net operating income to assets | 0.7482% | 3,285 |
| Return on assets (ROA) | 0.7482% | 3,349 |
| Pretax return on assets | 1.0446% | 2,971 |
| Return on Equity (ROE) | 8.1031% | 2,863 |
| Retained earnings to average equity (ytd only) | 8.1031% | 1,694 |
| Net charge-offs to loans | 0.0225% | 4,768 |
| Credit loss provision to net charge-offs | 1,666.6667% | 233 |
| Earnings coverage of net charge-offs (x) | 89.1111% | 353 |
| Efficiency ratio | 70.5695% | 4,147 |
| Assets per employee ($millions) | 3.4518% | 5,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 4,695 |
| Loan loss allowance to noncurrent loans | 144.6850% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 1.1441% | 4,650 |
| Noncurrent loans to loans | 0.9630% | 5,118 |
| Net loans and leases to total assets | 61.9275% | 3,873 |
| Net loans and leases to deposits | 68.7491% | 4,559 |
| Net loans and leases to core deposits | 73.5357% | 4,583 |
| Total domestic deposits to total assets | 90.0776% | 1,108 |
| Equity capital to assets | 9.2652% | 4,790 |
| Core capital (leverage) ratio | 8.6447% | 5,183 |
| Tier 1 risk-based capital ratio | 12.8505% | 4,944 |
| Total risk-based capital ratio | 14.1012% | 4,916 |
| Memoranda: | ||
| Average total assets | $249,670,500 | 2,575 |
| Average earning assets | $231,099,500 | 2,531 |
| Average equity | $23,053,000 | 2,740 |
| Average total loans | $159,900,500 | 2,566 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3201% | 3,028 |
| Cost of funding earning assets | 1.4152% | 3,164 |
| Net interest margin | 3.9049% | 3,462 |
| Noninterest income to average assets | 0.9631% | 1,633 |
| Noninterest expense to average assets | 3.0877% | 3,513 |
| Loan and lease loss provision to assets | 0.7866% | 2,080 |
| Net operating income to assets | 0.5201% | 4,001 |
| Return on assets (ROA) | 0.5768% | 3,934 |
| Pretax return on assets | 0.7373% | 3,838 |
| Return on Equity (ROE) | 5.8550% | 3,674 |
| Retained earnings to average equity (ytd only) | 2.5296% | 4,101 |
| Net charge-offs to loans | 1.1470% | 1,942 |
| Credit loss provision to net charge-offs | 112.3054% | 3,889 |
| Earnings coverage of net charge-offs (x) | 2.0719% | 4,169 |
| Efficiency ratio | 68.0279% | 4,558 |
| Assets per employee ($millions) | 3.2981% | 5,432 |
| Cash dividends to net income (ytd only)* | 56.7957% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2776% | 5,119 |
| Loan loss allowance to noncurrent loans | 141.6609% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 1.1526% | 4,708 |
| Noncurrent loans to loans | 0.9019% | 5,255 |
| Net loans and leases to total assets | 64.4755% | 3,762 |
| Net loans and leases to deposits | 71.6367% | 4,578 |
| Net loans and leases to core deposits | 76.1333% | 4,693 |
| Total domestic deposits to total assets | 90.0035% | 1,100 |
| Equity capital to assets | 9.2009% | 4,841 |
| Core capital (leverage) ratio | 9.7314% | 3,395 |
| Tier 1 risk-based capital ratio | 12.3632% | 5,146 |
| Total risk-based capital ratio | 13.5756% | 5,150 |
| Memoranda: | ||
| Average total assets | $192,602,600 | 3,190 |
| Average earning assets | $176,369,000 | 3,162 |
| Average equity | $18,975,200 | 3,282 |
| Average total loans | $117,615,600 | 3,369 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4220% | 2,783 |
| Cost of funding earning assets | 1.4664% | 3,170 |
| Net interest margin | 3.9556% | 3,305 |
| Noninterest income to average assets | 1.0180% | 1,419 |
| Noninterest expense to average assets | 3.0099% | 3,707 |
| Loan and lease loss provision to assets | 0.7937% | 1,916 |
| Net operating income to assets | 0.6339% | 3,730 |
| Return on assets (ROA) | 0.6379% | 3,882 |
| Pretax return on assets | 0.8279% | 3,810 |
| Return on Equity (ROE) | 6.3303% | 3,664 |
| Retained earnings to average equity (ytd only) | 3.9638% | 3,690 |
| Net charge-offs to loans | 1.5892% | 1,243 |
| Credit loss provision to net charge-offs | 83.7923% | 5,011 |
| Earnings coverage of net charge-offs (x) | 1.7065% | 4,422 |
| Efficiency ratio | 65.0612% | 5,041 |
| Assets per employee ($millions) | 3.0794% | 5,970 |
| Cash dividends to net income (ytd only)* | 37.3837% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5492% | 3,734 |
| Loan loss allowance to noncurrent loans | 94.9495% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 1.7713% | 3,788 |
| Noncurrent loans to loans | 1.6316% | 4,200 |
| Net loans and leases to total assets | 61.2608% | 4,673 |
| Net loans and leases to deposits | 71.4467% | 4,921 |
| Net loans and leases to core deposits | 75.6217% | 5,107 |
| Total domestic deposits to total assets | 85.7433% | 3,222 |
| Equity capital to assets | 10.4851% | 3,538 |
| Core capital (leverage) ratio | 9.7475% | 3,556 |
| Tier 1 risk-based capital ratio | 14.0217% | 3,816 |
| Total risk-based capital ratio | 15.2738% | 3,784 |
| Memoranda: | ||
| Average total assets | $178,914,250 | 3,436 |
| Average earning assets | $163,206,250 | 3,434 |
| Average equity | $18,029,250 | 3,465 |
| Average total loans | $106,632,500 | 3,665 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3352% | 3,291 |
| Cost of funding earning assets | 1.5103% | 3,201 |
| Net interest margin | 3.8249% | 3,788 |
| Noninterest income to average assets | 0.9509% | 1,515 |
| Noninterest expense to average assets | 2.9859% | 3,756 |
| Loan and lease loss provision to assets | 0.6832% | 2,119 |
| Net operating income to assets | 0.6028% | 3,869 |
| Return on assets (ROA) | 0.6087% | 3,977 |
| Pretax return on assets | 0.7865% | 3,928 |
| Return on Equity (ROE) | 6.1214% | 3,745 |
| Retained earnings to average equity (ytd only) | 2.5469% | 4,532 |
| Net charge-offs to loans | 2.3995% | 726 |
| Credit loss provision to net charge-offs | 48.4634% | 5,454 |
| Earnings coverage of net charge-offs (x) | 1.0370% | 4,750 |
| Efficiency ratio | 67.1329% | 4,737 |
| Assets per employee ($millions) | 3.1337% | 5,838 |
| Cash dividends to net income (ytd only)* | 58.3942% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 5,638 |
| Loan loss allowance to noncurrent loans | 46.3833% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 2.2444% | 3,207 |
| Noncurrent loans to loans | 2.5084% | 3,143 |
| Net loans and leases to total assets | 59.1636% | 5,218 |
| Net loans and leases to deposits | 68.4687% | 5,495 |
| Net loans and leases to core deposits | 71.4973% | 5,722 |
| Total domestic deposits to total assets | 86.4097% | 2,864 |
| Equity capital to assets | 10.0269% | 3,989 |
| Core capital (leverage) ratio | 9.3622% | 4,024 |
| Tier 1 risk-based capital ratio | 13.8089% | 3,865 |
| Total risk-based capital ratio | 14.8346% | 3,975 |
| Memoranda: | ||
| Average total assets | $180,044,000 | 3,443 |
| Average earning assets | $164,606,330 | 3,430 |
| Average equity | $17,904,330 | 3,481 |
| Average total loans | $105,770,000 | 3,727 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3012% | 3,545 |
| Cost of funding earning assets | 1.5236% | 3,410 |
| Net interest margin | 3.7776% | 3,882 |
| Noninterest income to average assets | 0.9361% | 1,498 |
| Noninterest expense to average assets | 2.9388% | 3,918 |
| Loan and lease loss provision to assets | 0.3651% | 3,180 |
| Net operating income to assets | 0.8033% | 2,947 |
| Return on assets (ROA) | 0.8033% | 3,050 |
| Pretax return on assets | 1.0888% | 2,778 |
| Return on Equity (ROE) | 8.1111% | 2,831 |
| Retained earnings to average equity (ytd only) | 8.1111% | 1,661 |
| Net charge-offs to loans | 4.1713% | 312 |
| Credit loss provision to net charge-offs | 15.0410% | 4,996 |
| Earnings coverage of net charge-offs (x) | 0.5989% | 4,491 |
| Efficiency ratio | 66.9018% | 4,938 |
| Assets per employee ($millions) | 3.2374% | 5,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9329% | 6,731 |
| Loan loss allowance to noncurrent loans | 122.1519% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 1.1456% | 4,877 |
| Noncurrent loans to loans | 0.7637% | 5,797 |
| Net loans and leases to total assets | 55.5313% | 5,813 |
| Net loans and leases to deposits | 66.5885% | 5,760 |
| Net loans and leases to core deposits | 69.7769% | 5,941 |
| Total domestic deposits to total assets | 83.3947% | 4,430 |
| Equity capital to assets | 9.8146% | 4,090 |
| Core capital (leverage) ratio | 9.5144% | 3,746 |
| Tier 1 risk-based capital ratio | 14.6527% | 3,287 |
| Total risk-based capital ratio | 15.4903% | 3,485 |
| Memoranda: | ||
| Average total assets | $180,756,000 | 3,485 |
| Average earning assets | $165,396,500 | 3,473 |
| Average equity | $17,901,500 | 3,506 |
| Average total loans | $105,194,000 | 3,795 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6628% | 3,288 |
| Cost of funding earning assets | 1.7176% | 4,418 |
| Net interest margin | 3.9452% | 3,100 |
| Noninterest income to average assets | 0.9441% | 1,774 |
| Noninterest expense to average assets | 2.8817% | 4,602 |
| Loan and lease loss provision to assets | 0.3130% | 4,943 |
| Net operating income to assets | 0.9783% | 1,913 |
| Return on assets (ROA) | 0.9860% | 1,935 |
| Pretax return on assets | 1.3983% | 1,442 |
| Return on Equity (ROE) | 10.0977% | 1,663 |
| Retained earnings to average equity (ytd only) | 6.4515% | 1,168 |
| Net charge-offs to loans | 0.0448% | 6,657 |
| Credit loss provision to net charge-offs | 1,135.4167% | 264 |
| Earnings coverage of net charge-offs (x) | 61.6875% | 440 |
| Efficiency ratio | 62.8901% | 5,986 |
| Assets per employee ($millions) | 3.2178% | 5,684 |
| Cash dividends to net income (ytd only)* | 36.1095% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7747% | 2,625 |
| Loan loss allowance to noncurrent loans | 55.2547% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 2.0319% | 3,359 |
| Noncurrent loans to loans | 3.2118% | 2,377 |
| Net loans and leases to total assets | 59.3581% | 5,442 |
| Net loans and leases to deposits | 71.5116% | 5,402 |
| Net loans and leases to core deposits | 89.8871% | 5,141 |
| Total domestic deposits to total assets | 83.0049% | 4,518 |
| Equity capital to assets | 9.9966% | 3,769 |
| Core capital (leverage) ratio | 9.4749% | 3,748 |
| Tier 1 risk-based capital ratio | 14.2970% | 3,324 |
| Total risk-based capital ratio | 15.5519% | 3,268 |
| Memoranda: | ||
| Average total assets | $174,136,200 | 3,528 |
| Average earning assets | $160,574,400 | 3,509 |
| Average equity | $17,003,800 | 3,671 |
| Average total loans | $107,207,800 | 3,754 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6823% | 3,422 |
| Cost of funding earning assets | 1.7570% | 4,607 |
| Net interest margin | 3.9253% | 3,138 |
| Noninterest income to average assets | 0.9256% | 1,883 |
| Noninterest expense to average assets | 2.8600% | 4,619 |
| Loan and lease loss provision to assets | 0.1576% | 5,777 |
| Net operating income to assets | 1.0844% | 1,784 |
| Return on assets (ROA) | 1.0948% | 1,807 |
| Pretax return on assets | 1.5468% | 1,287 |
| Return on Equity (ROE) | 11.2800% | 1,551 |
| Retained earnings to average equity (ytd only) | 8.7451% | 909 |
| Net charge-offs to loans | 0.0447% | 6,282 |
| Credit loss provision to net charge-offs | 569.4444% | 682 |
| Earnings coverage of net charge-offs (x) | 61.0540% | 542 |
| Efficiency ratio | 62.8591% | 5,957 |
| Assets per employee ($millions) | 3.0410% | 6,054 |
| Cash dividends to net income (ytd only)* | 22.4721% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 3,441 |
| Loan loss allowance to noncurrent loans | 127.7461% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.8019% | 5,504 |
| Noncurrent loans to loans | 1.1742% | 4,980 |
| Net loans and leases to total assets | 59.4778% | 5,667 |
| Net loans and leases to deposits | 72.0817% | 5,629 |
| Net loans and leases to core deposits | 93.6012% | 5,059 |
| Total domestic deposits to total assets | 82.5144% | 4,444 |
| Equity capital to assets | 10.1634% | 3,891 |
| Core capital (leverage) ratio | 9.6362% | 3,733 |
| Tier 1 risk-based capital ratio | 14.7352% | 3,164 |
| Total risk-based capital ratio | 15.9870% | 3,110 |
| Memoranda: | ||
| Average total assets | $173,425,250 | 3,566 |
| Average earning assets | $160,120,250 | 3,547 |
| Average equity | $16,831,750 | 3,741 |
| Average total loans | $107,272,250 | 3,792 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6756% | 3,688 |
| Cost of funding earning assets | 1.7900% | 4,808 |
| Net interest margin | 3.8856% | 3,178 |
| Noninterest income to average assets | 0.8844% | 2,041 |
| Noninterest expense to average assets | 2.8353% | 4,802 |
| Loan and lease loss provision to assets | 0.1384% | 5,689 |
| Net operating income to assets | 1.0595% | 1,916 |
| Return on assets (ROA) | 1.0619% | 1,982 |
| Pretax return on assets | 1.5059% | 1,427 |
| Return on Equity (ROE) | 11.1165% | 1,671 |
| Retained earnings to average equity (ytd only) | 7.2541% | 1,488 |
| Net charge-offs to loans | 0.0555% | 5,712 |
| Credit loss provision to net charge-offs | 400.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 47.4333% | 713 |
| Efficiency ratio | 63.3436% | 6,036 |
| Assets per employee ($millions) | 3.2396% | 5,481 |
| Cash dividends to net income (ytd only)* | 34.7448% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4050% | 3,696 |
| Loan loss allowance to noncurrent loans | 160.6681% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.6282% | 5,842 |
| Noncurrent loans to loans | 0.8745% | 5,471 |
| Net loans and leases to total assets | 59.8099% | 5,710 |
| Net loans and leases to deposits | 71.8068% | 5,762 |
| Net loans and leases to core deposits | 93.2622% | 5,207 |
| Total domestic deposits to total assets | 83.2927% | 4,108 |
| Equity capital to assets | 9.5298% | 4,571 |
| Core capital (leverage) ratio | 9.3386% | 4,118 |
| Tier 1 risk-based capital ratio | 14.1892% | 3,410 |
| Total risk-based capital ratio | 15.4324% | 3,349 |
| Memoranda: | ||
| Average total assets | $173,454,670 | 3,576 |
| Average earning assets | $160,336,000 | 3,558 |
| Average equity | $16,570,000 | 3,802 |
| Average total loans | $108,140,670 | 3,807 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6901% | 3,856 |
| Cost of funding earning assets | 1.8574% | 4,839 |
| Net interest margin | 3.8327% | 3,326 |
| Noninterest income to average assets | 0.8778% | 1,941 |
| Noninterest expense to average assets | 2.7050% | 4,983 |
| Loan and lease loss provision to assets | 0.1390% | 5,180 |
| Net operating income to assets | 1.0978% | 1,969 |
| Return on assets (ROA) | 1.0978% | 2,098 |
| Pretax return on assets | 1.5702% | 1,482 |
| Return on Equity (ROE) | 11.4773% | 1,823 |
| Retained earnings to average equity (ytd only) | 11.4773% | 889 |
| Net charge-offs to loans | 0.0403% | 4,926 |
| Credit loss provision to net charge-offs | 545.4545% | 1,019 |
| Earnings coverage of net charge-offs (x) | 67.0909% | 597 |
| Efficiency ratio | 61.2802% | 6,200 |
| Assets per employee ($millions) | 3.3521% | 5,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 3,948 |
| Loan loss allowance to noncurrent loans | 251.7361% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.4423% | 6,167 |
| Noncurrent loans to loans | 0.5253% | 6,106 |
| Net loans and leases to total assets | 62.0735% | 5,307 |
| Net loans and leases to deposits | 74.7441% | 5,391 |
| Net loans and leases to core deposits | 97.6024% | 4,787 |
| Total domestic deposits to total assets | 83.0481% | 4,125 |
| Equity capital to assets | 9.6041% | 4,523 |
| Core capital (leverage) ratio | 9.2562% | 4,309 |
| Tier 1 risk-based capital ratio | 13.6650% | 3,759 |
| Total risk-based capital ratio | 14.9114% | 3,679 |
| Memoranda: | ||
| Average total assets | $172,714,000 | 3,609 |
| Average earning assets | $159,365,000 | 3,583 |
| Average equity | $16,519,500 | 3,834 |
| Average total loans | $109,151,000 | 3,809 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4363% | 3,245 |
| Cost of funding earning assets | 2.1975% | 5,615 |
| Net interest margin | 4.2387% | 2,161 |
| Noninterest income to average assets | 1.1096% | 1,272 |
| Noninterest expense to average assets | 2.8344% | 4,673 |
| Loan and lease loss provision to assets | 0.1469% | 5,477 |
| Net operating income to assets | 1.3607% | 1,324 |
| Return on assets (ROA) | 1.3628% | 1,271 |
| Pretax return on assets | 2.0298% | 557 |
| Return on Equity (ROE) | 13.1163% | 1,302 |
| Retained earnings to average equity (ytd only) | -41.4546% | 8,064 |
| Net charge-offs to loans | 0.1040% | 5,267 |
| Credit loss provision to net charge-offs | 232.6733% | 2,047 |
| Earnings coverage of net charge-offs (x) | 34.4257% | 1,055 |
| Efficiency ratio | 56.5972% | 6,928 |
| Assets per employee ($millions) | 3.2907% | 5,235 |
| Cash dividends to net income (ytd only)* | 416.0550% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2894% | 3,861 |
| Loan loss allowance to noncurrent loans | 258.9649% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.4623% | 5,835 |
| Noncurrent loans to loans | 0.4979% | 5,853 |
| Net loans and leases to total assets | 62.6764% | 5,515 |
| Net loans and leases to deposits | 75.5239% | 5,648 |
| Net loans and leases to core deposits | 99.3543% | 4,888 |
| Total domestic deposits to total assets | 82.9888% | 3,781 |
| Equity capital to assets | 9.5245% | 4,648 |
| Core capital (leverage) ratio | 9.2971% | 4,302 |
| Tier 1 risk-based capital ratio | 13.1497% | 4,027 |
| Total risk-based capital ratio | 14.3443% | 3,968 |
| Memoranda: | ||
| Average total assets | $159,963,400 | 3,719 |
| Average earning assets | $147,119,200 | 3,706 |
| Average equity | $16,620,600 | 3,801 |
| Average total loans | $97,123,400 | 4,026 |