Home > Genesee Regional Bank > Performance and Condition Ratios
Genesee Regional Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1332% | 1,785 |
| Cost of funding earning assets | 2.7318% | 236 |
| Net interest margin | 2.4014% | 4,185 |
| Noninterest income to average assets | 0.8500% | 838 |
| Noninterest expense to average assets | 2.0812% | 3,450 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.7137% | 3,156 |
| Return on assets (ROA) | 0.4994% | 3,669 |
| Pretax return on assets | 0.6283% | 3,587 |
| Return on Equity (ROE) | 7.0200% | 3,277 |
| Retained earnings to average equity (ytd only) | 5.8393% | 2,308 |
| Net charge-offs to loans | 0.0004% | 2,893 |
| Credit loss provision to net charge-offs | 41,733.3333% | 8 |
| Earnings coverage of net charge-offs (x) | 3,917.0000% | 26 |
| Efficiency ratio | 66.9832% | 2,232 |
| Assets per employee ($millions) | 7.4374% | 1,777 |
| Cash dividends to net income (ytd only)* | 16.8007% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 2,706 |
| Loan loss allowance to noncurrent loans | 1,010.4526% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.0816% | 2,995 |
| Noncurrent loans to loans | 0.1111% | 2,973 |
| Net loans and leases to total assets | 72.5700% | 1,518 |
| Net loans and leases to deposits | 96.8639% | 726 |
| Net loans and leases to core deposits | 115.5705% | 760 |
| Total domestic deposits to total assets | 74.9200% | 4,038 |
| Equity capital to assets | 7.7219% | 3,591 |
| Core capital (leverage) ratio | 9.5144% | 3,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,145,481,000 | 881 |
| Average earning assets | $1,078,184,400 | 862 |
| Average equity | $81,499,000 | 1,115 |
| Average total loans | $793,193,800 | 868 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0543% | 1,721 |
| Cost of funding earning assets | 2.6428% | 217 |
| Net interest margin | 2.4115% | 4,215 |
| Noninterest income to average assets | 0.8600% | 834 |
| Noninterest expense to average assets | 2.0151% | 3,555 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.8005% | 3,022 |
| Return on assets (ROA) | 0.5079% | 3,747 |
| Pretax return on assets | 0.6283% | 3,689 |
| Return on Equity (ROE) | 7.2900% | 3,349 |
| Retained earnings to average equity (ytd only) | 6.4240% | 2,489 |
| Net charge-offs to loans | 0.0291% | 1,488 |
| Credit loss provision to net charge-offs | 498.2456% | 636 |
| Earnings coverage of net charge-offs (x) | 55.9181% | 1,246 |
| Efficiency ratio | 64.4575% | 2,443 |
| Assets per employee ($millions) | 6.9745% | 1,974 |
| Cash dividends to net income (ytd only)* | 11.9195% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 3,002 |
| Loan loss allowance to noncurrent loans | 436.3051% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.2290% | 2,113 |
| Noncurrent loans to loans | 0.2462% | 2,364 |
| Net loans and leases to total assets | 70.9400% | 1,708 |
| Net loans and leases to deposits | 100.0854% | 513 |
| Net loans and leases to core deposits | 121.1390% | 525 |
| Total domestic deposits to total assets | 70.8800% | 4,296 |
| Equity capital to assets | 6.8084% | 3,706 |
| Core capital (leverage) ratio | 9.2652% | 3,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,147,371,250 | 887 |
| Average earning assets | $1,078,865,000 | 864 |
| Average equity | $79,906,500 | 1,125 |
| Average total loans | $782,692,000 | 873 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9656% | 1,618 |
| Cost of funding earning assets | 2.5156% | 189 |
| Net interest margin | 2.4500% | 4,261 |
| Noninterest income to average assets | 0.8000% | 859 |
| Noninterest expense to average assets | 1.9518% | 3,710 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 0.7982% | 3,088 |
| Return on assets (ROA) | 0.7982% | 3,091 |
| Pretax return on assets | 1.0215% | 2,855 |
| Return on Equity (ROE) | 11.3800% | 2,334 |
| Retained earnings to average equity (ytd only) | 10.1832% | 1,357 |
| Net charge-offs to loans | 0.0431% | 1,075 |
| Credit loss provision to net charge-offs | 326.5060% | 817 |
| Earnings coverage of net charge-offs (x) | 39.8373% | 1,400 |
| Efficiency ratio | 62.8942% | 2,610 |
| Assets per employee ($millions) | 7.0990% | 1,851 |
| Cash dividends to net income (ytd only)* | 10.4930% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 3,088 |
| Loan loss allowance to noncurrent loans | 609.6057% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.1693% | 2,371 |
| Noncurrent loans to loans | 0.1755% | 2,603 |
| Net loans and leases to total assets | 66.7200% | 2,083 |
| Net loans and leases to deposits | 95.4935% | 764 |
| Net loans and leases to core deposits | 120.8606% | 496 |
| Total domestic deposits to total assets | 69.8700% | 4,365 |
| Equity capital to assets | 7.0169% | 3,788 |
| Core capital (leverage) ratio | 8.9426% | 3,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,148,556,667 | 875 |
| Average earning assets | $1,078,866,333 | 858 |
| Average equity | $80,583,333 | 1,115 |
| Average total loans | $770,180,000 | 871 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7497% | 1,738 |
| Cost of funding earning assets | 2.2107% | 191 |
| Net interest margin | 2.5390% | 4,269 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 1.9315% | 3,788 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.7914% | 3,220 |
| Return on assets (ROA) | 0.7914% | 3,171 |
| Pretax return on assets | 1.0032% | 2,982 |
| Return on Equity (ROE) | 11.2800% | 2,415 |
| Retained earnings to average equity (ytd only) | 11.0800% | 1,448 |
| Net charge-offs to loans | 0.0005% | 2,048 |
| Credit loss provision to net charge-offs | 4,500.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 3,063.0000% | 25 |
| Efficiency ratio | 64.1209% | 2,440 |
| Assets per employee ($millions) | 7.1040% | 1,895 |
| Cash dividends to net income (ytd only)* | 1.7833% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0668% | 3,223 |
| Loan loss allowance to noncurrent loans | 475.9464% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.2013% | 2,130 |
| Noncurrent loans to loans | 0.2241% | 2,366 |
| Net loans and leases to total assets | 65.8500% | 2,072 |
| Net loans and leases to deposits | 86.8991% | 1,291 |
| Net loans and leases to core deposits | 106.2508% | 824 |
| Total domestic deposits to total assets | 75.7800% | 4,170 |
| Equity capital to assets | 7.1271% | 3,771 |
| Core capital (leverage) ratio | 9.3434% | 3,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,133,619,000 | 901 |
| Average earning assets | $1,062,638,500 | 885 |
| Average equity | $79,530,500 | 1,136 |
| Average total loans | $757,885,000 | 899 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8516% | 2,128 |
| Cost of funding earning assets | 0.6739% | 658 |
| Net interest margin | 3.1777% | 2,934 |
| Noninterest income to average assets | 1.1900% | 483 |
| Noninterest expense to average assets | 2.2665% | 2,844 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.5078% | 867 |
| Return on assets (ROA) | 1.2969% | 1,404 |
| Pretax return on assets | 1.6276% | 1,086 |
| Return on Equity (ROE) | 16.8100% | 891 |
| Retained earnings to average equity (ytd only) | 10.4015% | 1,040 |
| Net charge-offs to loans | -0.0038% | 3,575 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.0941% | 3,790 |
| Assets per employee ($millions) | 6.8913% | 2,056 |
| Cash dividends to net income (ytd only)* | 38.1063% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 2,971 |
| Loan loss allowance to noncurrent loans | 427.5644% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.2240% | 2,037 |
| Noncurrent loans to loans | 0.2536% | 2,251 |
| Net loans and leases to total assets | 66.4300% | 1,991 |
| Net loans and leases to deposits | 83.6512% | 1,491 |
| Net loans and leases to core deposits | 101.9196% | 902 |
| Total domestic deposits to total assets | 79.4100% | 3,953 |
| Equity capital to assets | 6.9008% | 3,712 |
| Core capital (leverage) ratio | 9.2116% | 3,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,058,659,400 | 932 |
| Average earning assets | $999,862,200 | 906 |
| Average equity | $81,699,400 | 1,111 |
| Average total loans | $679,570,600 | 932 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6189% | 2,290 |
| Cost of funding earning assets | 0.4034% | 1,266 |
| Net interest margin | 3.2155% | 2,580 |
| Noninterest income to average assets | 1.3500% | 405 |
| Noninterest expense to average assets | 2.3988% | 2,335 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.5147% | 822 |
| Return on assets (ROA) | 1.5147% | 799 |
| Pretax return on assets | 1.9090% | 572 |
| Return on Equity (ROE) | 19.0900% | 520 |
| Retained earnings to average equity (ytd only) | 12.3025% | 727 |
| Net charge-offs to loans | -0.0050% | 3,482 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.6451% | 3,763 |
| Assets per employee ($millions) | 6.8784% | 2,039 |
| Cash dividends to net income (ytd only)* | 35.5475% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 2,615 |
| Loan loss allowance to noncurrent loans | 431.9836% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.2333% | 2,064 |
| Noncurrent loans to loans | 0.2739% | 2,277 |
| Net loans and leases to total assets | 64.3500% | 2,054 |
| Net loans and leases to deposits | 71.0328% | 2,286 |
| Net loans and leases to core deposits | 89.8139% | 1,307 |
| Total domestic deposits to total assets | 90.6000% | 1,405 |
| Equity capital to assets | 6.4172% | 3,783 |
| Core capital (leverage) ratio | 9.2904% | 3,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,044,224,750 | 950 |
| Average earning assets | $988,452,750 | 921 |
| Average equity | $82,864,250 | 1,111 |
| Average total loans | $662,026,750 | 948 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4110% | 2,400 |
| Cost of funding earning assets | 0.1878% | 3,077 |
| Net interest margin | 3.2233% | 2,121 |
| Noninterest income to average assets | 1.5599% | 322 |
| Noninterest expense to average assets | 2.3998% | 2,223 |
| Loan and lease loss provision to assets | 0.1253% | 776 |
| Net operating income to assets | 1.6613% | 475 |
| Return on assets (ROA) | 1.6613% | 468 |
| Pretax return on assets | 2.0881% | 304 |
| Return on Equity (ROE) | 19.6046% | 333 |
| Retained earnings to average equity (ytd only) | 12.5523% | 521 |
| Net charge-offs to loans | -0.0059% | 3,396 |
| Credit loss provision to net charge-offs | -3,389.4737% | 3,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0206% | 4,127 |
| Assets per employee ($millions) | 6.4559% | 2,343 |
| Cash dividends to net income (ytd only)* | 35.9728% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 2,590 |
| Loan loss allowance to noncurrent loans | 456.0910% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.2325% | 2,156 |
| Noncurrent loans to loans | 0.2674% | 2,409 |
| Net loans and leases to total assets | 64.8362% | 1,820 |
| Net loans and leases to deposits | 75.5314% | 1,723 |
| Net loans and leases to core deposits | 91.8586% | 1,024 |
| Total domestic deposits to total assets | 85.8401% | 3,287 |
| Equity capital to assets | 7.3916% | 3,540 |
| Core capital (leverage) ratio | 9.5336% | 2,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,027,745,667 | 952 |
| Average earning assets | $973,542,333 | 931 |
| Average equity | $87,091,667 | 1,081 |
| Average total loans | $645,286,333 | 964 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2346% | 2,586 |
| Cost of funding earning assets | 0.1118% | 3,984 |
| Net interest margin | 3.1228% | 2,100 |
| Noninterest income to average assets | 1.6588% | 310 |
| Noninterest expense to average assets | 2.3532% | 2,327 |
| Loan and lease loss provision to assets | 0.1406% | 571 |
| Net operating income to assets | 1.6556% | 449 |
| Return on assets (ROA) | 1.6556% | 451 |
| Pretax return on assets | 2.1362% | 281 |
| Return on Equity (ROE) | 18.3245% | 313 |
| Retained earnings to average equity (ytd only) | 13.1145% | 455 |
| Net charge-offs to loans | -0.0116% | 3,642 |
| Credit loss provision to net charge-offs | -1,983.3333% | 3,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8253% | 4,271 |
| Assets per employee ($millions) | 6.5707% | 2,323 |
| Cash dividends to net income (ytd only)* | 28.4321% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 2,373 |
| Loan loss allowance to noncurrent loans | 432.9963% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.2358% | 2,229 |
| Noncurrent loans to loans | 0.2997% | 2,393 |
| Net loans and leases to total assets | 58.8591% | 2,200 |
| Net loans and leases to deposits | 68.1830% | 2,137 |
| Net loans and leases to core deposits | 79.8170% | 1,496 |
| Total domestic deposits to total assets | 86.3253% | 3,158 |
| Equity capital to assets | 8.3307% | 3,300 |
| Core capital (leverage) ratio | 9.8736% | 2,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,015,459,000 | 966 |
| Average earning assets | $966,187,000 | 947 |
| Average equity | $91,746,000 | 1,065 |
| Average total loans | $622,575,500 | 988 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7874% | 1,909 |
| Cost of funding earning assets | 0.1185% | 4,238 |
| Net interest margin | 3.6689% | 1,294 |
| Noninterest income to average assets | 1.9441% | 333 |
| Noninterest expense to average assets | 2.6790% | 1,691 |
| Loan and lease loss provision to assets | -0.1131% | 4,566 |
| Net operating income to assets | 2.2206% | 236 |
| Return on assets (ROA) | 2.2226% | 246 |
| Pretax return on assets | 2.8897% | 161 |
| Return on Equity (ROE) | 21.6038% | 233 |
| Retained earnings to average equity (ytd only) | 14.3361% | 279 |
| Net charge-offs to loans | 0.0060% | 2,363 |
| Credit loss provision to net charge-offs | -2,725.0000% | 4,100 |
| Earnings coverage of net charge-offs (x) | 668.2222% | 219 |
| Efficiency ratio | 49.1287% | 4,345 |
| Assets per employee ($millions) | 6.2395% | 2,539 |
| Cash dividends to net income (ytd only)* | 33.6412% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 2,600 |
| Loan loss allowance to noncurrent loans | 2,037.0079% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 3,239 |
| Noncurrent loans to loans | 0.0616% | 3,640 |
| Net loans and leases to total assets | 62.3170% | 1,903 |
| Net loans and leases to deposits | 73.7423% | 1,739 |
| Net loans and leases to core deposits | 79.6458% | 1,627 |
| Total domestic deposits to total assets | 84.5064% | 3,419 |
| Equity capital to assets | 9.7907% | 2,859 |
| Core capital (leverage) ratio | 9.7182% | 2,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $867,180,000 | 1,074 |
| Average earning assets | $829,377,600 | 1,052 |
| Average equity | $89,215,600 | 1,110 |
| Average total loans | $595,960,600 | 1,019 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8009% | 2,008 |
| Cost of funding earning assets | 0.1205% | 4,351 |
| Net interest margin | 3.6804% | 1,383 |
| Noninterest income to average assets | 2.0169% | 349 |
| Noninterest expense to average assets | 2.6815% | 1,635 |
| Loan and lease loss provision to assets | -0.1443% | 4,680 |
| Net operating income to assets | 2.2902% | 277 |
| Return on assets (ROA) | 2.2902% | 291 |
| Pretax return on assets | 2.9994% | 176 |
| Return on Equity (ROE) | 21.9516% | 308 |
| Retained earnings to average equity (ytd only) | 15.1801% | 370 |
| Net charge-offs to loans | 0.0081% | 2,012 |
| Credit loss provision to net charge-offs | -2,522.2222% | 4,040 |
| Earnings coverage of net charge-offs (x) | 499.1111% | 301 |
| Efficiency ratio | 48.4315% | 4,334 |
| Assets per employee ($millions) | 6.2106% | 2,490 |
| Cash dividends to net income (ytd only)* | 30.8472% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2870% | 2,557 |
| Loan loss allowance to noncurrent loans | 2,008.7179% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.1426% | 3,159 |
| Noncurrent loans to loans | 0.0641% | 3,778 |
| Net loans and leases to total assets | 61.6233% | 2,053 |
| Net loans and leases to deposits | 74.2005% | 1,836 |
| Net loans and leases to core deposits | 86.1024% | 1,284 |
| Total domestic deposits to total assets | 83.0497% | 3,694 |
| Equity capital to assets | 9.6126% | 3,280 |
| Core capital (leverage) ratio | 10.6604% | 1,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $839,073,500 | 1,114 |
| Average earning assets | $802,426,750 | 1,094 |
| Average equity | $87,542,000 | 1,140 |
| Average total loans | $590,395,250 | 1,043 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8967% | 1,823 |
| Cost of funding earning assets | 0.1298% | 4,355 |
| Net interest margin | 3.7669% | 1,194 |
| Noninterest income to average assets | 2.1075% | 308 |
| Noninterest expense to average assets | 2.8216% | 1,308 |
| Loan and lease loss provision to assets | -0.0383% | 4,489 |
| Net operating income to assets | 2.2375% | 318 |
| Return on assets (ROA) | 2.2375% | 337 |
| Pretax return on assets | 2.9299% | 203 |
| Return on Equity (ROE) | 20.7769% | 402 |
| Retained earnings to average equity (ytd only) | 14.0571% | 535 |
| Net charge-offs to loans | -0.0010% | 3,090 |
| Credit loss provision to net charge-offs | 5,066.6667% | 136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3870% | 4,278 |
| Assets per employee ($millions) | 5.1211% | 3,537 |
| Cash dividends to net income (ytd only)* | 32.3423% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 1,720 |
| Loan loss allowance to noncurrent loans | 553.8511% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.3102% | 2,368 |
| Noncurrent loans to loans | 0.2637% | 2,995 |
| Net loans and leases to total assets | 70.6002% | 1,136 |
| Net loans and leases to deposits | 79.8528% | 1,437 |
| Net loans and leases to core deposits | 85.0097% | 1,493 |
| Total domestic deposits to total assets | 88.4130% | 1,612 |
| Equity capital to assets | 11.0705% | 1,931 |
| Core capital (leverage) ratio | 10.9910% | 1,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $793,741,667 | 1,167 |
| Average earning assets | $759,766,333 | 1,136 |
| Average equity | $85,479,667 | 1,157 |
| Average total loans | $584,292,333 | 1,056 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8715% | 1,903 |
| Cost of funding earning assets | 0.1424% | 4,359 |
| Net interest margin | 3.7291% | 1,271 |
| Noninterest income to average assets | 1.8197% | 432 |
| Noninterest expense to average assets | 2.8254% | 1,317 |
| Loan and lease loss provision to assets | 0.0488% | 2,109 |
| Net operating income to assets | 1.9441% | 613 |
| Return on assets (ROA) | 1.9441% | 660 |
| Pretax return on assets | 2.5109% | 432 |
| Return on Equity (ROE) | 18.3237% | 687 |
| Retained earnings to average equity (ytd only) | 17.0886% | 421 |
| Net charge-offs to loans | -0.0014% | 3,072 |
| Credit loss provision to net charge-offs | -4,750.0000% | 3,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4668% | 3,958 |
| Assets per employee ($millions) | 5.3689% | 3,255 |
| Cash dividends to net income (ytd only)* | 6.7407% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4551% | 1,752 |
| Loan loss allowance to noncurrent loans | 493.0556% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.3477% | 2,408 |
| Noncurrent loans to loans | 0.2951% | 3,043 |
| Net loans and leases to total assets | 74.6323% | 762 |
| Net loans and leases to deposits | 83.7775% | 1,170 |
| Net loans and leases to core deposits | 91.3032% | 1,153 |
| Total domestic deposits to total assets | 89.0839% | 1,298 |
| Equity capital to assets | 10.3883% | 2,364 |
| Core capital (leverage) ratio | 10.5520% | 2,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $778,362,500 | 1,171 |
| Average earning assets | $744,203,000 | 1,150 |
| Average equity | $82,581,500 | 1,180 |
| Average total loans | $581,074,500 | 1,063 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4395% | 1,463 |
| Cost of funding earning assets | 0.3608% | 3,814 |
| Net interest margin | 4.0786% | 828 |
| Noninterest income to average assets | 2.1263% | 308 |
| Noninterest expense to average assets | 2.7814% | 1,992 |
| Loan and lease loss provision to assets | 0.4527% | 615 |
| Net operating income to assets | 2.2279% | 179 |
| Return on assets (ROA) | 2.2279% | 190 |
| Pretax return on assets | 2.8086% | 136 |
| Return on Equity (ROE) | 20.3835% | 215 |
| Retained earnings to average equity (ytd only) | 15.2542% | 147 |
| Net charge-offs to loans | -0.0365% | 4,599 |
| Credit loss provision to net charge-offs | -1,613.1579% | 4,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0296% | 4,718 |
| Assets per employee ($millions) | 5.4057% | 2,948 |
| Cash dividends to net income (ytd only)* | 25.1641% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5895% | 1,326 |
| Loan loss allowance to noncurrent loans | 1,304.3091% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.2227% | 3,172 |
| Noncurrent loans to loans | 0.1219% | 3,798 |
| Net loans and leases to total assets | 72.3268% | 1,253 |
| Net loans and leases to deposits | 81.5305% | 1,703 |
| Net loans and leases to core deposits | 89.5920% | 1,562 |
| Total domestic deposits to total assets | 88.7113% | 1,118 |
| Equity capital to assets | 10.8468% | 2,390 |
| Core capital (leverage) ratio | 10.3241% | 2,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $677,105,400 | 1,207 |
| Average earning assets | $650,166,600 | 1,180 |
| Average equity | $74,006,000 | 1,234 |
| Average total loans | $520,286,600 | 1,103 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3059% | 2,081 |
| Cost of funding earning assets | 0.4217% | 3,695 |
| Net interest margin | 3.8842% | 1,391 |
| Noninterest income to average assets | 1.8143% | 366 |
| Noninterest expense to average assets | 2.7610% | 2,087 |
| Loan and lease loss provision to assets | 0.4203% | 804 |
| Net operating income to assets | 1.9277% | 348 |
| Return on assets (ROA) | 1.9277% | 381 |
| Pretax return on assets | 2.3666% | 254 |
| Return on Equity (ROE) | 17.5988% | 392 |
| Retained earnings to average equity (ytd only) | 13.8262% | 262 |
| Net charge-offs to loans | -0.0312% | 4,545 |
| Credit loss provision to net charge-offs | -1,730.0000% | 4,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7664% | 4,509 |
| Assets per employee ($millions) | 5.4088% | 2,788 |
| Cash dividends to net income (ytd only)* | 21.4368% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2904% | 2,193 |
| Loan loss allowance to noncurrent loans | 854.8173% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.2550% | 3,155 |
| Noncurrent loans to loans | 0.1510% | 3,778 |
| Net loans and leases to total assets | 79.1104% | 698 |
| Net loans and leases to deposits | 88.7309% | 1,401 |
| Net loans and leases to core deposits | 101.8678% | 1,035 |
| Total domestic deposits to total assets | 89.1577% | 703 |
| Equity capital to assets | 10.4142% | 2,863 |
| Core capital (leverage) ratio | 10.3719% | 2,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $658,534,250 | 1,221 |
| Average earning assets | $633,003,000 | 1,192 |
| Average equity | $72,132,000 | 1,248 |
| Average total loans | $512,299,750 | 1,107 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3271% | 2,402 |
| Cost of funding earning assets | 0.5410% | 3,288 |
| Net interest margin | 3.7861% | 1,874 |
| Noninterest income to average assets | 1.3222% | 592 |
| Noninterest expense to average assets | 2.7582% | 2,192 |
| Loan and lease loss provision to assets | 0.3414% | 1,252 |
| Net operating income to assets | 1.6029% | 755 |
| Return on assets (ROA) | 1.6029% | 824 |
| Pretax return on assets | 1.8619% | 722 |
| Return on Equity (ROE) | 14.3542% | 814 |
| Retained earnings to average equity (ytd only) | 9.3361% | 927 |
| Net charge-offs to loans | -0.0298% | 4,537 |
| Credit loss provision to net charge-offs | -1,491.6667% | 3,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5926% | 3,992 |
| Assets per employee ($millions) | 5.3759% | 2,759 |
| Cash dividends to net income (ytd only)* | 34.9593% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 2,689 |
| Loan loss allowance to noncurrent loans | 476.0171% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.3358% | 2,962 |
| Noncurrent loans to loans | 0.2452% | 3,498 |
| Net loans and leases to total assets | 78.9656% | 728 |
| Net loans and leases to deposits | 88.5710% | 1,494 |
| Net loans and leases to core deposits | 100.4071% | 1,229 |
| Total domestic deposits to total assets | 89.1551% | 685 |
| Equity capital to assets | 10.2506% | 2,968 |
| Core capital (leverage) ratio | 10.1370% | 2,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $629,242,333 | 1,252 |
| Average earning assets | $604,842,333 | 1,218 |
| Average equity | $70,265,000 | 1,262 |
| Average total loans | $483,664,000 | 1,142 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7803% | 1,469 |
| Cost of funding earning assets | 0.8032% | 2,376 |
| Net interest margin | 3.9770% | 1,453 |
| Noninterest income to average assets | 0.9373% | 990 |
| Noninterest expense to average assets | 2.9565% | 1,996 |
| Loan and lease loss provision to assets | 0.1917% | 1,566 |
| Net operating income to assets | 1.2791% | 1,301 |
| Return on assets (ROA) | 1.2791% | 1,397 |
| Pretax return on assets | 1.6024% | 1,047 |
| Return on Equity (ROE) | 10.9088% | 1,440 |
| Retained earnings to average equity (ytd only) | 9.7219% | 800 |
| Net charge-offs to loans | -0.0637% | 4,704 |
| Credit loss provision to net charge-offs | -401.4286% | 3,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2343% | 3,472 |
| Assets per employee ($millions) | 4.6722% | 3,031 |
| Cash dividends to net income (ytd only)* | 10.8800% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 1,975 |
| Loan loss allowance to noncurrent loans | 280.5158% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.5174% | 2,442 |
| Noncurrent loans to loans | 0.4764% | 2,824 |
| Net loans and leases to total assets | 72.5222% | 1,850 |
| Net loans and leases to deposits | 87.3118% | 1,828 |
| Net loans and leases to core deposits | 98.2258% | 1,605 |
| Total domestic deposits to total assets | 83.0612% | 3,090 |
| Equity capital to assets | 11.5733% | 2,377 |
| Core capital (leverage) ratio | 11.8792% | 1,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3091% | 1,278 |
| Memoranda: | ||
| Average total assets | $586,368,000 | 1,280 |
| Average earning assets | $562,228,500 | 1,250 |
| Average equity | $68,752,000 | 1,281 |
| Average total loans | $439,863,000 | 1,205 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9800% | 1,529 |
| Cost of funding earning assets | 1.0743% | 1,421 |
| Net interest margin | 3.9056% | 2,160 |
| Noninterest income to average assets | 1.0941% | 796 |
| Noninterest expense to average assets | 2.8317% | 2,499 |
| Loan and lease loss provision to assets | 0.1340% | 1,586 |
| Net operating income to assets | 1.4711% | 1,127 |
| Return on assets (ROA) | 1.4551% | 1,231 |
| Pretax return on assets | 1.8637% | 808 |
| Return on Equity (ROE) | 13.4792% | 1,019 |
| Retained earnings to average equity (ytd only) | 10.3734% | 424 |
| Net charge-offs to loans | 0.0718% | 2,071 |
| Credit loss provision to net charge-offs | 249.3671% | 1,092 |
| Earnings coverage of net charge-offs (x) | 37.5411% | 1,372 |
| Efficiency ratio | 58.3900% | 3,926 |
| Assets per employee ($millions) | 4.6723% | 2,985 |
| Cash dividends to net income (ytd only)* | 23.0419% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2548% | 2,144 |
| Loan loss allowance to noncurrent loans | 908.3882% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 3,306 |
| Noncurrent loans to loans | 0.1381% | 3,973 |
| Net loans and leases to total assets | 75.6255% | 1,478 |
| Net loans and leases to deposits | 87.9692% | 1,848 |
| Net loans and leases to core deposits | 99.4588% | 1,610 |
| Total domestic deposits to total assets | 85.9682% | 2,079 |
| Equity capital to assets | 11.8830% | 2,214 |
| Core capital (leverage) ratio | 11.3143% | 2,236 |
| Tier 1 risk-based capital ratio | 15.5818% | 2,551 |
| Total risk-based capital ratio | 16.8323% | 2,488 |
| Memoranda: | ||
| Average total assets | $587,870,600 | 1,238 |
| Average earning assets | $565,284,200 | 1,207 |
| Average equity | $63,460,600 | 1,326 |
| Average total loans | $440,134,800 | 1,180 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9680% | 1,628 |
| Cost of funding earning assets | 1.0913% | 1,389 |
| Net interest margin | 3.8767% | 2,338 |
| Noninterest income to average assets | 0.9423% | 1,058 |
| Noninterest expense to average assets | 2.8501% | 2,405 |
| Loan and lease loss provision to assets | 0.1813% | 1,006 |
| Net operating income to assets | 1.3043% | 1,841 |
| Return on assets (ROA) | 1.3043% | 1,924 |
| Pretax return on assets | 1.6419% | 1,490 |
| Return on Equity (ROE) | 12.3857% | 1,486 |
| Retained earnings to average equity (ytd only) | 9.7599% | 812 |
| Net charge-offs to loans | 0.1009% | 1,463 |
| Credit loss provision to net charge-offs | 241.4414% | 1,124 |
| Earnings coverage of net charge-offs (x) | 24.2762% | 1,804 |
| Efficiency ratio | 60.9864% | 3,475 |
| Assets per employee ($millions) | 4.6603% | 2,957 |
| Cash dividends to net income (ytd only)* | 21.2001% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2350% | 2,311 |
| Loan loss allowance to noncurrent loans | 694.5912% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 3,343 |
| Noncurrent loans to loans | 0.1778% | 3,900 |
| Net loans and leases to total assets | 74.0336% | 1,815 |
| Net loans and leases to deposits | 88.6971% | 1,840 |
| Net loans and leases to core deposits | 103.6542% | 1,353 |
| Total domestic deposits to total assets | 83.4679% | 3,004 |
| Equity capital to assets | 11.1010% | 3,011 |
| Core capital (leverage) ratio | 10.7913% | 2,845 |
| Tier 1 risk-based capital ratio | 14.6863% | 2,992 |
| Total risk-based capital ratio | 15.9364% | 2,919 |
| Memoranda: | ||
| Average total assets | $591,164,250 | 1,241 |
| Average earning assets | $568,959,250 | 1,207 |
| Average equity | $62,253,000 | 1,345 |
| Average total loans | $440,133,500 | 1,186 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9154% | 1,708 |
| Cost of funding earning assets | 1.0592% | 1,456 |
| Net interest margin | 3.8562% | 2,386 |
| Noninterest income to average assets | 0.7296% | 1,600 |
| Noninterest expense to average assets | 2.9017% | 2,278 |
| Loan and lease loss provision to assets | 0.2022% | 845 |
| Net operating income to assets | 1.0859% | 2,582 |
| Return on assets (ROA) | 1.0859% | 2,645 |
| Pretax return on assets | 1.3591% | 2,350 |
| Return on Equity (ROE) | 10.5037% | 2,174 |
| Retained earnings to average equity (ytd only) | 7.1261% | 1,748 |
| Net charge-offs to loans | 0.1558% | 1,008 |
| Credit loss provision to net charge-offs | 174.7801% | 1,338 |
| Earnings coverage of net charge-offs (x) | 13.4927% | 2,096 |
| Efficiency ratio | 65.0167% | 2,974 |
| Assets per employee ($millions) | 4.8475% | 2,671 |
| Cash dividends to net income (ytd only)* | 32.1563% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 2,634 |
| Loan loss allowance to noncurrent loans | 574.8646% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.3378% | 3,185 |
| Noncurrent loans to loans | 0.2049% | 3,815 |
| Net loans and leases to total assets | 72.8785% | 2,086 |
| Net loans and leases to deposits | 88.1164% | 1,996 |
| Net loans and leases to core deposits | 99.4493% | 1,772 |
| Total domestic deposits to total assets | 82.7071% | 3,305 |
| Equity capital to assets | 10.3818% | 3,624 |
| Core capital (leverage) ratio | 10.5438% | 3,042 |
| Tier 1 risk-based capital ratio | 14.1550% | 3,238 |
| Total risk-based capital ratio | 15.3631% | 3,177 |
| Memoranda: | ||
| Average total assets | $589,381,000 | 1,245 |
| Average earning assets | $570,611,670 | 1,204 |
| Average equity | $60,931,000 | 1,361 |
| Average total loans | $437,797,000 | 1,188 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8823% | 1,646 |
| Cost of funding earning assets | 1.0714% | 1,285 |
| Net interest margin | 3.8109% | 2,487 |
| Noninterest income to average assets | 0.6864% | 1,660 |
| Noninterest expense to average assets | 2.9329% | 2,177 |
| Loan and lease loss provision to assets | 0.2910% | 451 |
| Net operating income to assets | 0.9283% | 3,127 |
| Return on assets (ROA) | 0.9283% | 3,163 |
| Pretax return on assets | 1.1578% | 2,948 |
| Return on Equity (ROE) | 8.9997% | 2,814 |
| Retained earnings to average equity (ytd only) | 6.2455% | 2,346 |
| Net charge-offs to loans | -0.0204% | 4,495 |
| Credit loss provision to net charge-offs | -1,913.6364% | 4,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9348% | 2,806 |
| Assets per employee ($millions) | 4.7187% | 2,892 |
| Cash dividends to net income (ytd only)* | 30.6031% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 2,196 |
| Loan loss allowance to noncurrent loans | 284.5158% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.5051% | 2,599 |
| Noncurrent loans to loans | 0.4492% | 2,973 |
| Net loans and leases to total assets | 73.7250% | 1,860 |
| Net loans and leases to deposits | 82.7392% | 2,533 |
| Net loans and leases to core deposits | 99.8072% | 1,640 |
| Total domestic deposits to total assets | 89.1053% | 816 |
| Equity capital to assets | 10.5507% | 3,305 |
| Core capital (leverage) ratio | 10.5717% | 2,972 |
| Tier 1 risk-based capital ratio | 14.5370% | 3,089 |
| Total risk-based capital ratio | 15.7876% | 3,015 |
| Memoranda: | ||
| Average total assets | $578,677,000 | 1,262 |
| Average earning assets | $561,134,000 | 1,219 |
| Average equity | $59,691,000 | 1,381 |
| Average total loans | $431,475,500 | 1,207 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6870% | 1,868 |
| Cost of funding earning assets | 0.8545% | 1,282 |
| Net interest margin | 3.8325% | 2,555 |
| Noninterest income to average assets | 0.6634% | 1,998 |
| Noninterest expense to average assets | 2.7227% | 2,950 |
| Loan and lease loss provision to assets | 0.4714% | 266 |
| Net operating income to assets | 0.9612% | 3,174 |
| Return on assets (ROA) | 0.9565% | 3,191 |
| Pretax return on assets | 1.1865% | 2,925 |
| Return on Equity (ROE) | 9.5529% | 2,723 |
| Retained earnings to average equity (ytd only) | 7.0364% | 1,654 |
| Net charge-offs to loans | 0.6917% | 234 |
| Credit loss provision to net charge-offs | 90.2398% | 2,717 |
| Earnings coverage of net charge-offs (x) | 3.1847% | 3,440 |
| Efficiency ratio | 62.0706% | 3,511 |
| Assets per employee ($millions) | 4.8880% | 2,630 |
| Cash dividends to net income (ytd only)* | 26.3420% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1664% | 2,737 |
| Loan loss allowance to noncurrent loans | 171.2203% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 1.1049% | 1,214 |
| Noncurrent loans to loans | 0.6812% | 2,288 |
| Net loans and leases to total assets | 73.5783% | 1,998 |
| Net loans and leases to deposits | 89.1185% | 1,914 |
| Net loans and leases to core deposits | 103.7650% | 1,434 |
| Total domestic deposits to total assets | 82.5622% | 3,463 |
| Equity capital to assets | 10.0819% | 3,597 |
| Core capital (leverage) ratio | 10.3667% | 3,179 |
| Tier 1 risk-based capital ratio | 14.0203% | 3,277 |
| Total risk-based capital ratio | 15.2031% | 3,239 |
| Memoranda: | ||
| Average total assets | $566,780,800 | 1,254 |
| Average earning assets | $550,610,200 | 1,214 |
| Average equity | $56,747,400 | 1,390 |
| Average total loans | $428,049,600 | 1,184 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5796% | 2,037 |
| Cost of funding earning assets | 0.7882% | 1,391 |
| Net interest margin | 3.7915% | 2,680 |
| Noninterest income to average assets | 0.9704% | 1,012 |
| Noninterest expense to average assets | 3.0125% | 1,983 |
| Loan and lease loss provision to assets | 0.5018% | 225 |
| Net operating income to assets | 0.9349% | 3,371 |
| Return on assets (ROA) | 0.9285% | 3,407 |
| Pretax return on assets | 1.1390% | 3,250 |
| Return on Equity (ROE) | 9.2901% | 2,962 |
| Retained earnings to average equity (ytd only) | 7.2027% | 2,023 |
| Net charge-offs to loans | 0.5482% | 273 |
| Credit loss provision to net charge-offs | 120.7407% | 1,980 |
| Earnings coverage of net charge-offs (x) | 3.9670% | 3,113 |
| Efficiency ratio | 64.6312% | 3,084 |
| Assets per employee ($millions) | 4.9740% | 2,500 |
| Cash dividends to net income (ytd only)* | 22.4688% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3122% | 2,046 |
| Loan loss allowance to noncurrent loans | 63.6323% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 1.7644% | 672 |
| Noncurrent loans to loans | 2.0622% | 700 |
| Net loans and leases to total assets | 73.7144% | 2,035 |
| Net loans and leases to deposits | 83.6989% | 2,635 |
| Net loans and leases to core deposits | 96.9109% | 2,031 |
| Total domestic deposits to total assets | 88.0709% | 1,211 |
| Equity capital to assets | 9.7882% | 3,828 |
| Core capital (leverage) ratio | 10.2786% | 3,324 |
| Tier 1 risk-based capital ratio | 13.7094% | 3,506 |
| Total risk-based capital ratio | 14.9603% | 3,425 |
| Memoranda: | ||
| Average total assets | $563,058,750 | 1,265 |
| Average earning assets | $548,094,750 | 1,222 |
| Average equity | $56,273,500 | 1,399 |
| Average total loans | $426,803,750 | 1,192 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5372% | 1,970 |
| Cost of funding earning assets | 0.7250% | 1,496 |
| Net interest margin | 3.8122% | 2,530 |
| Noninterest income to average assets | 0.8072% | 1,454 |
| Noninterest expense to average assets | 2.9093% | 2,333 |
| Loan and lease loss provision to assets | 0.2608% | 587 |
| Net operating income to assets | 1.1000% | 2,581 |
| Return on assets (ROA) | 1.0989% | 2,595 |
| Pretax return on assets | 1.3471% | 2,333 |
| Return on Equity (ROE) | 10.9165% | 2,146 |
| Retained earnings to average equity (ytd only) | 8.2400% | 1,525 |
| Net charge-offs to loans | 0.0009% | 3,186 |
| Credit loss provision to net charge-offs | 36,300.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 2,240.0000% | 27 |
| Efficiency ratio | 64.3851% | 3,268 |
| Assets per employee ($millions) | 4.9881% | 2,433 |
| Cash dividends to net income (ytd only)* | 24.5178% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4122% | 1,710 |
| Loan loss allowance to noncurrent loans | 72.7622% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.6802% | 734 |
| Noncurrent loans to loans | 1.9408% | 788 |
| Net loans and leases to total assets | 73.8010% | 1,974 |
| Net loans and leases to deposits | 86.4224% | 2,274 |
| Net loans and leases to core deposits | 137.6295% | 217 |
| Total domestic deposits to total assets | 85.3957% | 2,531 |
| Equity capital to assets | 9.8969% | 3,724 |
| Core capital (leverage) ratio | 10.3428% | 3,193 |
| Tier 1 risk-based capital ratio | 13.6846% | 3,516 |
| Total risk-based capital ratio | 14.9368% | 3,426 |
| Memoranda: | ||
| Average total assets | $556,759,330 | 1,278 |
| Average earning assets | $542,048,330 | 1,237 |
| Average equity | $56,043,670 | 1,398 |
| Average total loans | $424,175,000 | 1,201 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4688% | 1,960 |
| Cost of funding earning assets | 0.6720% | 1,589 |
| Net interest margin | 3.7968% | 2,438 |
| Noninterest income to average assets | 0.6390% | 2,081 |
| Noninterest expense to average assets | 2.8115% | 2,654 |
| Loan and lease loss provision to assets | 0.2561% | 571 |
| Net operating income to assets | 1.0476% | 2,658 |
| Return on assets (ROA) | 1.0476% | 2,673 |
| Pretax return on assets | 1.2766% | 2,448 |
| Return on Equity (ROE) | 10.3162% | 2,270 |
| Retained earnings to average equity (ytd only) | 9.3032% | 1,365 |
| Net charge-offs to loans | 0.0066% | 2,494 |
| Credit loss provision to net charge-offs | 5,014.2857% | 67 |
| Earnings coverage of net charge-offs (x) | 300.1429% | 230 |
| Efficiency ratio | 64.7187% | 3,368 |
| Assets per employee ($millions) | 5.0697% | 2,403 |
| Cash dividends to net income (ytd only)* | 9.8189% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3633% | 1,976 |
| Loan loss allowance to noncurrent loans | 66.2548% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 1.5669% | 868 |
| Noncurrent loans to loans | 2.0576% | 762 |
| Net loans and leases to total assets | 75.1109% | 1,689 |
| Net loans and leases to deposits | 85.6122% | 2,214 |
| Net loans and leases to core deposits | 140.0191% | 211 |
| Total domestic deposits to total assets | 87.7339% | 1,771 |
| Equity capital to assets | 10.2041% | 3,387 |
| Core capital (leverage) ratio | 10.4786% | 2,972 |
| Tier 1 risk-based capital ratio | 13.8674% | 3,455 |
| Total risk-based capital ratio | 15.1190% | 3,367 |
| Memoranda: | ||
| Average total assets | $548,322,500 | 1,308 |
| Average earning assets | $535,085,000 | 1,251 |
| Average equity | $55,679,500 | 1,412 |
| Average total loans | $421,557,000 | 1,215 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3977% | 2,029 |
| Cost of funding earning assets | 0.5677% | 1,839 |
| Net interest margin | 3.8300% | 2,317 |
| Noninterest income to average assets | 1.1433% | 778 |
| Noninterest expense to average assets | 2.8828% | 2,511 |
| Loan and lease loss provision to assets | 0.3311% | 504 |
| Net operating income to assets | 1.0701% | 1,977 |
| Return on assets (ROA) | 1.0509% | 2,076 |
| Pretax return on assets | 1.6203% | 1,241 |
| Return on Equity (ROE) | 10.9878% | 1,491 |
| Retained earnings to average equity (ytd only) | 8.0851% | 734 |
| Net charge-offs to loans | 0.2150% | 1,208 |
| Credit loss provision to net charge-offs | 202.9703% | 1,347 |
| Earnings coverage of net charge-offs (x) | 12.1441% | 2,499 |
| Efficiency ratio | 59.2702% | 4,379 |
| Assets per employee ($millions) | 5.0845% | 2,380 |
| Cash dividends to net income (ytd only)* | 26.4173% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2530% | 2,451 |
| Loan loss allowance to noncurrent loans | 54.4454% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 1.7861% | 698 |
| Noncurrent loans to loans | 2.3014% | 615 |
| Net loans and leases to total assets | 76.6388% | 1,488 |
| Net loans and leases to deposits | 88.2953% | 1,984 |
| Net loans and leases to core deposits | 149.7731% | 132 |
| Total domestic deposits to total assets | 86.7984% | 2,089 |
| Equity capital to assets | 10.1051% | 3,593 |
| Core capital (leverage) ratio | 9.9446% | 3,526 |
| Tier 1 risk-based capital ratio | 13.1267% | 3,831 |
| Total risk-based capital ratio | 14.3770% | 3,748 |
| Memoranda: | ||
| Average total assets | $557,235,600 | 1,269 |
| Average earning assets | $541,311,600 | 1,224 |
| Average equity | $53,295,400 | 1,447 |
| Average total loans | $422,811,200 | 1,178 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3207% | 2,208 |
| Cost of funding earning assets | 0.5478% | 1,910 |
| Net interest margin | 3.7729% | 2,497 |
| Noninterest income to average assets | 1.1279% | 793 |
| Noninterest expense to average assets | 2.9142% | 2,354 |
| Loan and lease loss provision to assets | 0.2816% | 575 |
| Net operating income to assets | 1.0731% | 2,216 |
| Return on assets (ROA) | 1.0766% | 2,245 |
| Pretax return on assets | 1.5992% | 1,424 |
| Return on Equity (ROE) | 11.4152% | 1,522 |
| Retained earnings to average equity (ytd only) | 8.9684% | 848 |
| Net charge-offs to loans | 0.2891% | 744 |
| Credit loss provision to net charge-offs | 129.0710% | 1,903 |
| Earnings coverage of net charge-offs (x) | 8.5978% | 2,766 |
| Efficiency ratio | 60.8432% | 4,067 |
| Assets per employee ($millions) | 5.5797% | 1,846 |
| Cash dividends to net income (ytd only)* | 21.4348% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 3,629 |
| Loan loss allowance to noncurrent loans | 63.2363% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 1.2605% | 1,285 |
| Noncurrent loans to loans | 1.7016% | 1,061 |
| Net loans and leases to total assets | 73.2794% | 2,048 |
| Net loans and leases to deposits | 87.8026% | 2,090 |
| Net loans and leases to core deposits | 148.5221% | 128 |
| Total domestic deposits to total assets | 83.4592% | 3,302 |
| Equity capital to assets | 9.4032% | 4,542 |
| Core capital (leverage) ratio | 9.6943% | 3,945 |
| Tier 1 risk-based capital ratio | 12.7109% | 4,200 |
| Total risk-based capital ratio | 13.7959% | 4,199 |
| Memoranda: | ||
| Average total assets | $559,264,250 | 1,280 |
| Average earning assets | $542,806,000 | 1,226 |
| Average equity | $52,747,000 | 1,472 |
| Average total loans | $421,969,000 | 1,186 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3248% | 2,050 |
| Cost of funding earning assets | 0.4682% | 2,427 |
| Net interest margin | 3.8565% | 2,071 |
| Noninterest income to average assets | 0.9956% | 1,024 |
| Noninterest expense to average assets | 2.9343% | 2,313 |
| Loan and lease loss provision to assets | 0.2144% | 832 |
| Net operating income to assets | 1.0693% | 2,124 |
| Return on assets (ROA) | 1.0698% | 2,168 |
| Pretax return on assets | 1.5919% | 1,370 |
| Return on Equity (ROE) | 11.3306% | 1,523 |
| Retained earnings to average equity (ytd only) | 8.1169% | 1,115 |
| Net charge-offs to loans | -0.0086% | 4,485 |
| Credit loss provision to net charge-offs | -3,277.7778% | 5,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9059% | 4,002 |
| Assets per employee ($millions) | 4.8249% | 2,617 |
| Cash dividends to net income (ytd only)* | 28.3628% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 3,181 |
| Loan loss allowance to noncurrent loans | 68.7329% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.6959% | 849 |
| Noncurrent loans to loans | 1.7055% | 1,069 |
| Net loans and leases to total assets | 75.4985% | 1,612 |
| Net loans and leases to deposits | 92.0958% | 1,478 |
| Net loans and leases to core deposits | 156.7338% | 99 |
| Total domestic deposits to total assets | 81.9782% | 3,895 |
| Equity capital to assets | 9.5475% | 4,364 |
| Core capital (leverage) ratio | 9.6045% | 4,017 |
| Tier 1 risk-based capital ratio | 12.4847% | 4,313 |
| Total risk-based capital ratio | 13.6619% | 4,238 |
| Memoranda: | ||
| Average total assets | $550,394,670 | 1,300 |
| Average earning assets | $534,366,000 | 1,246 |
| Average equity | $51,965,670 | 1,495 |
| Average total loans | $417,960,670 | 1,196 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3123% | 1,923 |
| Cost of funding earning assets | 0.4465% | 2,559 |
| Net interest margin | 3.8658% | 1,904 |
| Noninterest income to average assets | 1.0356% | 939 |
| Noninterest expense to average assets | 2.9237% | 2,385 |
| Loan and lease loss provision to assets | 0.0828% | 2,159 |
| Net operating income to assets | 1.1878% | 1,531 |
| Return on assets (ROA) | 1.1888% | 1,570 |
| Pretax return on assets | 1.7869% | 825 |
| Return on Equity (ROE) | 12.6643% | 1,074 |
| Retained earnings to average equity (ytd only) | 11.9616% | 474 |
| Net charge-offs to loans | -0.0174% | 4,669 |
| Credit loss provision to net charge-offs | -627.7778% | 4,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0125% | 4,321 |
| Assets per employee ($millions) | 5.1514% | 2,242 |
| Cash dividends to net income (ytd only)* | 5.5487% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 3,702 |
| Loan loss allowance to noncurrent loans | 166.5443% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.8931% | 2,077 |
| Noncurrent loans to loans | 0.6627% | 2,846 |
| Net loans and leases to total assets | 73.7254% | 1,789 |
| Net loans and leases to deposits | 81.6475% | 2,551 |
| Net loans and leases to core deposits | 149.7205% | 108 |
| Total domestic deposits to total assets | 90.2972% | 541 |
| Equity capital to assets | 9.4464% | 4,345 |
| Core capital (leverage) ratio | 9.4317% | 4,196 |
| Tier 1 risk-based capital ratio | 12.6805% | 4,277 |
| Total risk-based capital ratio | 13.7742% | 4,279 |
| Memoranda: | ||
| Average total assets | $545,748,000 | 1,310 |
| Average earning assets | $530,295,000 | 1,252 |
| Average equity | $51,230,500 | 1,509 |
| Average total loans | $413,157,000 | 1,212 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1912% | 2,516 |
| Cost of funding earning assets | 0.4383% | 2,627 |
| Net interest margin | 3.7530% | 2,489 |
| Noninterest income to average assets | 1.6414% | 447 |
| Noninterest expense to average assets | 3.2086% | 1,769 |
| Loan and lease loss provision to assets | 0.1830% | 1,293 |
| Net operating income to assets | 1.2600% | 1,328 |
| Return on assets (ROA) | 1.2613% | 1,404 |
| Pretax return on assets | 1.8911% | 637 |
| Return on Equity (ROE) | 12.7516% | 1,056 |
| Retained earnings to average equity (ytd only) | 9.8662% | 427 |
| Net charge-offs to loans | 0.0118% | 3,873 |
| Credit loss provision to net charge-offs | 2,022.7273% | 210 |
| Earnings coverage of net charge-offs (x) | 229.0455% | 309 |
| Efficiency ratio | 60.7600% | 4,459 |
| Assets per employee ($millions) | 5.2970% | 2,060 |
| Cash dividends to net income (ytd only)* | 22.6280% | 3,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0602% | 3,952 |
| Loan loss allowance to noncurrent loans | 99.4805% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 1.2080% | 1,492 |
| Noncurrent loans to loans | 1.0657% | 1,944 |
| Net loans and leases to total assets | 76.0695% | 1,507 |
| Net loans and leases to deposits | 87.9824% | 1,928 |
| Net loans and leases to core deposits | 148.6751% | 120 |
| Total domestic deposits to total assets | 86.4600% | 2,391 |
| Equity capital to assets | 9.3268% | 4,445 |
| Core capital (leverage) ratio | 9.5152% | 4,060 |
| Tier 1 risk-based capital ratio | 12.1089% | 4,654 |
| Total risk-based capital ratio | 13.1567% | 4,678 |
| Memoranda: | ||
| Average total assets | $486,342,400 | 1,418 |
| Average earning assets | $471,628,000 | 1,341 |
| Average equity | $48,103,600 | 1,575 |
| Average total loans | $373,278,400 | 1,264 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3846% | 1,910 |
| Cost of funding earning assets | 0.4322% | 2,711 |
| Net interest margin | 3.9524% | 1,808 |
| Noninterest income to average assets | 1.4434% | 571 |
| Noninterest expense to average assets | 3.2517% | 1,674 |
| Loan and lease loss provision to assets | 0.1664% | 1,370 |
| Net operating income to assets | 1.2131% | 1,595 |
| Return on assets (ROA) | 1.2147% | 1,688 |
| Pretax return on assets | 1.8593% | 784 |
| Return on Equity (ROE) | 12.0843% | 1,298 |
| Retained earnings to average equity (ytd only) | 9.7869% | 622 |
| Net charge-offs to loans | 0.0096% | 3,594 |
| Credit loss provision to net charge-offs | 2,269.2308% | 215 |
| Earnings coverage of net charge-offs (x) | 275.9282% | 292 |
| Efficiency ratio | 61.6454% | 4,289 |
| Assets per employee ($millions) | 4.7115% | 2,726 |
| Cash dividends to net income (ytd only)* | 19.0111% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0692% | 4,030 |
| Loan loss allowance to noncurrent loans | 89.4337% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 1.3692% | 1,368 |
| Noncurrent loans to loans | 1.1955% | 1,876 |
| Net loans and leases to total assets | 77.8406% | 1,227 |
| Net loans and leases to deposits | 87.1984% | 2,115 |
| Net loans and leases to core deposits | 138.1362% | 212 |
| Total domestic deposits to total assets | 89.2684% | 768 |
| Equity capital to assets | 10.2379% | 3,870 |
| Core capital (leverage) ratio | 10.2185% | 3,313 |
| Tier 1 risk-based capital ratio | 12.9725% | 4,182 |
| Total risk-based capital ratio | 14.0527% | 4,188 |
| Memoranda: | ||
| Average total assets | $472,854,500 | 1,449 |
| Average earning assets | $458,381,500 | 1,396 |
| Average equity | $47,531,500 | 1,595 |
| Average total loans | $362,747,250 | 1,295 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3555% | 1,968 |
| Cost of funding earning assets | 0.4319% | 2,720 |
| Net interest margin | 3.9236% | 1,902 |
| Noninterest income to average assets | 1.3246% | 650 |
| Noninterest expense to average assets | 3.1691% | 1,891 |
| Loan and lease loss provision to assets | 0.1635% | 1,382 |
| Net operating income to assets | 1.1799% | 1,666 |
| Return on assets (ROA) | 1.1799% | 1,760 |
| Pretax return on assets | 1.7917% | 897 |
| Return on Equity (ROE) | 11.8147% | 1,382 |
| Retained earnings to average equity (ytd only) | 8.6638% | 946 |
| Net charge-offs to loans | 0.0259% | 2,959 |
| Credit loss provision to net charge-offs | 830.4348% | 436 |
| Earnings coverage of net charge-offs (x) | 99.2826% | 584 |
| Efficiency ratio | 61.8431% | 4,369 |
| Assets per employee ($millions) | 4.5374% | 2,955 |
| Cash dividends to net income (ytd only)* | 26.6691% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 4,154 |
| Loan loss allowance to noncurrent loans | 130.1471% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 1.3055% | 1,547 |
| Noncurrent loans to loans | 0.8166% | 2,703 |
| Net loans and leases to total assets | 76.0887% | 1,481 |
| Net loans and leases to deposits | 89.3894% | 1,822 |
| Net loans and leases to core deposits | 142.0697% | 170 |
| Total domestic deposits to total assets | 85.1205% | 2,817 |
| Equity capital to assets | 10.1419% | 4,037 |
| Core capital (leverage) ratio | 10.1204% | 3,425 |
| Tier 1 risk-based capital ratio | 12.8496% | 4,284 |
| Total risk-based capital ratio | 13.8967% | 4,322 |
| Memoranda: | ||
| Average total assets | $467,142,330 | 1,471 |
| Average earning assets | $452,393,330 | 1,420 |
| Average equity | $46,653,670 | 1,628 |
| Average total loans | $355,151,670 | 1,317 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3383% | 2,004 |
| Cost of funding earning assets | 0.4347% | 2,725 |
| Net interest margin | 3.9036% | 1,924 |
| Noninterest income to average assets | 1.1165% | 878 |
| Noninterest expense to average assets | 3.0339% | 2,291 |
| Loan and lease loss provision to assets | 0.1289% | 1,650 |
| Net operating income to assets | 1.2290% | 1,458 |
| Return on assets (ROA) | 1.2290% | 1,570 |
| Pretax return on assets | 1.7358% | 976 |
| Return on Equity (ROE) | 12.4048% | 1,183 |
| Retained earnings to average equity (ytd only) | 11.7937% | 532 |
| Net charge-offs to loans | 0.1144% | 1,435 |
| Credit loss provision to net charge-offs | 149.0000% | 1,284 |
| Earnings coverage of net charge-offs (x) | 21.5600% | 1,428 |
| Efficiency ratio | 61.9350% | 4,455 |
| Assets per employee ($millions) | 4.6396% | 2,834 |
| Cash dividends to net income (ytd only)* | 4.9261% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 4,452 |
| Loan loss allowance to noncurrent loans | 108.8741% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.4605% | 1,413 |
| Noncurrent loans to loans | 0.9448% | 2,489 |
| Net loans and leases to total assets | 74.7975% | 1,599 |
| Net loans and leases to deposits | 83.7087% | 2,340 |
| Net loans and leases to core deposits | 136.2215% | 209 |
| Total domestic deposits to total assets | 89.3545% | 918 |
| Equity capital to assets | 10.1812% | 3,864 |
| Core capital (leverage) ratio | 10.0360% | 3,495 |
| Tier 1 risk-based capital ratio | 13.2643% | 4,112 |
| Total risk-based capital ratio | 14.2834% | 4,164 |
| Memoranda: | ||
| Average total assets | $462,499,500 | 1,484 |
| Average earning assets | $448,103,000 | 1,427 |
| Average equity | $45,821,000 | 1,646 |
| Average total loans | $349,526,500 | 1,334 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3826% | 1,959 |
| Cost of funding earning assets | 0.4229% | 2,912 |
| Net interest margin | 3.9597% | 1,845 |
| Noninterest income to average assets | 0.9122% | 1,401 |
| Noninterest expense to average assets | 2.9516% | 2,699 |
| Loan and lease loss provision to assets | 0.2596% | 725 |
| Net operating income to assets | 1.0044% | 2,341 |
| Return on assets (ROA) | 1.0066% | 2,414 |
| Pretax return on assets | 1.5387% | 1,440 |
| Return on Equity (ROE) | 11.5866% | 1,414 |
| Retained earnings to average equity (ytd only) | 9.4526% | 546 |
| Net charge-offs to loans | 0.0511% | 3,177 |
| Credit loss provision to net charge-offs | 687.3494% | 487 |
| Earnings coverage of net charge-offs (x) | 47.5301% | 1,038 |
| Efficiency ratio | 62.1855% | 4,573 |
| Assets per employee ($millions) | 4.5647% | 2,934 |
| Cash dividends to net income (ytd only)* | 18.4181% | 3,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0212% | 4,484 |
| Loan loss allowance to noncurrent loans | 69.6554% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 1.8591% | 999 |
| Noncurrent loans to loans | 1.4661% | 1,591 |
| Net loans and leases to total assets | 74.8001% | 1,603 |
| Net loans and leases to deposits | 86.4722% | 2,066 |
| Net loans and leases to core deposits | 133.7593% | 219 |
| Total domestic deposits to total assets | 86.5020% | 2,376 |
| Equity capital to assets | 9.6315% | 4,396 |
| Core capital (leverage) ratio | 9.5353% | 4,125 |
| Tier 1 risk-based capital ratio | 12.6840% | 4,518 |
| Total risk-based capital ratio | 13.7002% | 4,556 |
| Memoranda: | ||
| Average total assets | $439,592,200 | 1,518 |
| Average earning assets | $425,664,600 | 1,464 |
| Average equity | $38,190,600 | 1,876 |
| Average total loans | $324,557,200 | 1,373 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3913% | 1,947 |
| Cost of funding earning assets | 0.4156% | 3,060 |
| Net interest margin | 3.9757% | 1,785 |
| Noninterest income to average assets | 0.8760% | 1,524 |
| Noninterest expense to average assets | 2.9397% | 2,708 |
| Loan and lease loss provision to assets | 0.2696% | 602 |
| Net operating income to assets | 0.9803% | 2,570 |
| Return on assets (ROA) | 0.9829% | 2,641 |
| Pretax return on assets | 1.5190% | 1,631 |
| Return on Equity (ROE) | 11.6491% | 1,479 |
| Retained earnings to average equity (ytd only) | 9.0908% | 874 |
| Net charge-offs to loans | 0.0594% | 2,757 |
| Credit loss provision to net charge-offs | 618.3099% | 552 |
| Earnings coverage of net charge-offs (x) | 40.9293% | 1,224 |
| Efficiency ratio | 62.2254% | 4,532 |
| Assets per employee ($millions) | 4.5782% | 2,874 |
| Cash dividends to net income (ytd only)* | 21.9619% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9835% | 4,824 |
| Loan loss allowance to noncurrent loans | 107.4806% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 1.4454% | 1,568 |
| Noncurrent loans to loans | 0.9150% | 2,690 |
| Net loans and leases to total assets | 73.7275% | 1,783 |
| Net loans and leases to deposits | 81.1087% | 2,756 |
| Net loans and leases to core deposits | 126.0760% | 336 |
| Total domestic deposits to total assets | 90.8997% | 272 |
| Equity capital to assets | 8.4064% | 5,757 |
| Core capital (leverage) ratio | 8.6692% | 5,389 |
| Tier 1 risk-based capital ratio | 11.1711% | 5,562 |
| Total risk-based capital ratio | 12.1451% | 5,632 |
| Memoranda: | ||
| Average total assets | $434,230,750 | 1,543 |
| Average earning assets | $420,304,500 | 1,484 |
| Average equity | $36,637,000 | 1,963 |
| Average total loans | $318,592,750 | 1,398 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3044% | 2,151 |
| Cost of funding earning assets | 0.4118% | 3,137 |
| Net interest margin | 3.8925% | 2,005 |
| Noninterest income to average assets | 0.7469% | 2,009 |
| Noninterest expense to average assets | 2.9493% | 2,723 |
| Loan and lease loss provision to assets | 0.2463% | 719 |
| Net operating income to assets | 0.8603% | 3,080 |
| Return on assets (ROA) | 0.8642% | 3,164 |
| Pretax return on assets | 1.3214% | 2,284 |
| Return on Equity (ROE) | 10.2299% | 1,964 |
| Retained earnings to average equity (ytd only) | 7.6019% | 1,424 |
| Net charge-offs to loans | -0.0154% | 5,071 |
| Credit loss provision to net charge-offs | -2,195.8333% | 5,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3818% | 4,115 |
| Assets per employee ($millions) | 4.5482% | 2,905 |
| Cash dividends to net income (ytd only)* | 25.6896% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 5,091 |
| Loan loss allowance to noncurrent loans | 83.6179% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 1.7071% | 1,389 |
| Noncurrent loans to loans | 1.1381% | 2,375 |
| Net loans and leases to total assets | 75.4923% | 1,438 |
| Net loans and leases to deposits | 87.4917% | 1,891 |
| Net loans and leases to core deposits | 151.4887% | 101 |
| Total domestic deposits to total assets | 86.2851% | 2,534 |
| Equity capital to assets | 8.5124% | 5,674 |
| Core capital (leverage) ratio | 8.6132% | 5,424 |
| Tier 1 risk-based capital ratio | 11.0849% | 5,666 |
| Total risk-based capital ratio | 12.0260% | 5,754 |
| Memoranda: | ||
| Average total assets | $427,894,670 | 1,576 |
| Average earning assets | $413,765,670 | 1,511 |
| Average equity | $36,149,000 | 1,989 |
| Average total loans | $312,296,670 | 1,425 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2848% | 2,147 |
| Cost of funding earning assets | 0.4031% | 3,268 |
| Net interest margin | 3.8816% | 1,962 |
| Noninterest income to average assets | 0.5524% | 2,938 |
| Noninterest expense to average assets | 2.7722% | 3,337 |
| Loan and lease loss provision to assets | 0.1362% | 1,519 |
| Net operating income to assets | 0.9322% | 2,597 |
| Return on assets (ROA) | 0.9385% | 2,701 |
| Pretax return on assets | 1.4072% | 1,865 |
| Return on Equity (ROE) | 11.1516% | 1,595 |
| Retained earnings to average equity (ytd only) | 8.4279% | 1,402 |
| Net charge-offs to loans | -0.0198% | 5,044 |
| Credit loss provision to net charge-offs | -966.6667% | 4,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3761% | 4,422 |
| Assets per employee ($millions) | 4.9599% | 2,406 |
| Cash dividends to net income (ytd only)* | 24.4244% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8902% | 5,463 |
| Loan loss allowance to noncurrent loans | 152.7283% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 1.2718% | 2,097 |
| Noncurrent loans to loans | 0.5828% | 3,831 |
| Net loans and leases to total assets | 69.9719% | 2,145 |
| Net loans and leases to deposits | 76.7675% | 2,963 |
| Net loans and leases to core deposits | 138.8078% | 161 |
| Total domestic deposits to total assets | 91.1478% | 315 |
| Equity capital to assets | 8.3339% | 5,849 |
| Core capital (leverage) ratio | 8.7047% | 5,324 |
| Tier 1 risk-based capital ratio | 11.7197% | 5,427 |
| Total risk-based capital ratio | 12.6051% | 5,540 |
| Memoranda: | ||
| Average total assets | $425,804,000 | 1,589 |
| Average earning assets | $411,784,500 | 1,523 |
| Average equity | $35,833,500 | 2,020 |
| Average total loans | $303,786,000 | 1,463 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2196% | 2,886 |
| Cost of funding earning assets | 0.4090% | 3,599 |
| Net interest margin | 3.8106% | 2,588 |
| Noninterest income to average assets | 0.6791% | 2,406 |
| Noninterest expense to average assets | 2.7419% | 3,707 |
| Loan and lease loss provision to assets | 0.1479% | 1,780 |
| Net operating income to assets | 0.9632% | 2,567 |
| Return on assets (ROA) | 0.9798% | 2,559 |
| Pretax return on assets | 1.5144% | 1,493 |
| Return on Equity (ROE) | 11.9549% | 1,426 |
| Retained earnings to average equity (ytd only) | 9.1730% | 668 |
| Net charge-offs to loans | 0.1028% | 3,033 |
| Credit loss provision to net charge-offs | 221.3235% | 1,129 |
| Earnings coverage of net charge-offs (x) | 24.4926% | 1,534 |
| Efficiency ratio | 62.6192% | 4,808 |
| Assets per employee ($millions) | 4.7717% | 2,633 |
| Cash dividends to net income (ytd only)* | 23.2698% | 3,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8627% | 5,591 |
| Loan loss allowance to noncurrent loans | 192.9052% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 1.2610% | 2,233 |
| Noncurrent loans to loans | 0.4472% | 4,303 |
| Net loans and leases to total assets | 71.5038% | 1,991 |
| Net loans and leases to deposits | 82.6268% | 2,393 |
| Net loans and leases to core deposits | 139.8327% | 168 |
| Total domestic deposits to total assets | 86.5383% | 2,547 |
| Equity capital to assets | 8.5012% | 5,755 |
| Core capital (leverage) ratio | 8.4940% | 5,567 |
| Tier 1 risk-based capital ratio | 11.7332% | 5,527 |
| Total risk-based capital ratio | 12.5844% | 5,672 |
| Memoranda: | ||
| Average total assets | $407,012,800 | 1,625 |
| Average earning assets | $395,156,800 | 1,547 |
| Average equity | $33,358,600 | 2,085 |
| Average total loans | $264,514,400 | 1,603 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1816% | 3,058 |
| Cost of funding earning assets | 0.4101% | 3,682 |
| Net interest margin | 3.7716% | 2,728 |
| Noninterest income to average assets | 0.6170% | 2,766 |
| Noninterest expense to average assets | 2.6763% | 3,914 |
| Loan and lease loss provision to assets | 0.1705% | 1,441 |
| Net operating income to assets | 0.9397% | 2,733 |
| Return on assets (ROA) | 0.9597% | 2,718 |
| Pretax return on assets | 1.4644% | 1,761 |
| Return on Equity (ROE) | 11.8222% | 1,526 |
| Retained earnings to average equity (ytd only) | 9.0887% | 960 |
| Net charge-offs to loans | 0.0751% | 3,126 |
| Credit loss provision to net charge-offs | 359.7222% | 787 |
| Earnings coverage of net charge-offs (x) | 33.8464% | 1,267 |
| Efficiency ratio | 62.5163% | 4,809 |
| Assets per employee ($millions) | 4.6285% | 2,767 |
| Cash dividends to net income (ytd only)* | 23.1217% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9671% | 5,354 |
| Loan loss allowance to noncurrent loans | 85.1540% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 1.0002% | 2,950 |
| Noncurrent loans to loans | 1.1357% | 2,785 |
| Net loans and leases to total assets | 63.8709% | 3,189 |
| Net loans and leases to deposits | 69.7723% | 3,944 |
| Net loans and leases to core deposits | 134.6371% | 183 |
| Total domestic deposits to total assets | 91.5419% | 224 |
| Equity capital to assets | 8.1274% | 6,061 |
| Core capital (leverage) ratio | 8.2063% | 5,925 |
| Tier 1 risk-based capital ratio | 12.1129% | 5,416 |
| Total risk-based capital ratio | 13.0501% | 5,530 |
| Memoranda: | ||
| Average total assets | $404,981,000 | 1,640 |
| Average earning assets | $393,424,500 | 1,560 |
| Average equity | $32,875,250 | 2,123 |
| Average total loans | $255,787,000 | 1,663 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0778% | 3,437 |
| Cost of funding earning assets | 0.4136% | 3,731 |
| Net interest margin | 3.6642% | 3,096 |
| Noninterest income to average assets | 0.5135% | 3,384 |
| Noninterest expense to average assets | 2.6483% | 4,063 |
| Loan and lease loss provision to assets | 0.2683% | 777 |
| Net operating income to assets | 0.7697% | 3,464 |
| Return on assets (ROA) | 0.8034% | 3,414 |
| Pretax return on assets | 1.2088% | 2,637 |
| Return on Equity (ROE) | 9.9004% | 2,195 |
| Retained earnings to average equity (ytd only) | 7.1246% | 1,702 |
| Net charge-offs to loans | 0.0830% | 2,860 |
| Credit loss provision to net charge-offs | 515.3846% | 570 |
| Earnings coverage of net charge-offs (x) | 27.3942% | 1,345 |
| Efficiency ratio | 65.0000% | 4,534 |
| Assets per employee ($millions) | 4.6782% | 2,653 |
| Cash dividends to net income (ytd only)* | 28.0374% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 5,333 |
| Loan loss allowance to noncurrent loans | 91.0787% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.0015% | 3,059 |
| Noncurrent loans to loans | 1.1014% | 3,023 |
| Net loans and leases to total assets | 65.1049% | 2,892 |
| Net loans and leases to deposits | 71.1153% | 3,690 |
| Net loans and leases to core deposits | 142.6810% | 127 |
| Total domestic deposits to total assets | 91.5483% | 251 |
| Equity capital to assets | 8.1731% | 6,044 |
| Core capital (leverage) ratio | 8.0732% | 6,041 |
| Tier 1 risk-based capital ratio | 12.0063% | 5,537 |
| Total risk-based capital ratio | 12.9872% | 5,616 |
| Memoranda: | ||
| Average total assets | $399,576,330 | 1,658 |
| Average earning assets | $388,302,330 | 1,579 |
| Average equity | $32,423,000 | 2,140 |
| Average total loans | $250,500,000 | 1,692 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9611% | 3,851 |
| Cost of funding earning assets | 0.4061% | 3,891 |
| Net interest margin | 3.5550% | 3,458 |
| Noninterest income to average assets | 0.3628% | 4,488 |
| Noninterest expense to average assets | 2.5908% | 4,305 |
| Loan and lease loss provision to assets | 0.1627% | 1,495 |
| Net operating income to assets | 0.7149% | 3,604 |
| Return on assets (ROA) | 0.7548% | 3,474 |
| Pretax return on assets | 1.1277% | 2,780 |
| Return on Equity (ROE) | 9.3369% | 2,318 |
| Retained earnings to average equity (ytd only) | 6.5246% | 2,269 |
| Net charge-offs to loans | 0.0347% | 2,906 |
| Credit loss provision to net charge-offs | 766.6667% | 378 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 670 |
| Efficiency ratio | 67.7948% | 4,211 |
| Assets per employee ($millions) | 4.5989% | 2,818 |
| Cash dividends to net income (ytd only)* | 30.1205% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9560% | 5,679 |
| Loan loss allowance to noncurrent loans | 68.3519% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 0.8458% | 3,613 |
| Noncurrent loans to loans | 1.3986% | 2,686 |
| Net loans and leases to total assets | 59.9009% | 3,576 |
| Net loans and leases to deposits | 65.0751% | 4,197 |
| Net loans and leases to core deposits | 130.1684% | 185 |
| Total domestic deposits to total assets | 92.0489% | 232 |
| Equity capital to assets | 7.7808% | 6,188 |
| Core capital (leverage) ratio | 8.3962% | 5,749 |
| Tier 1 risk-based capital ratio | 11.9447% | 5,675 |
| Total risk-based capital ratio | 12.8314% | 5,819 |
| Memoranda: | ||
| Average total assets | $395,862,000 | 1,682 |
| Average earning assets | $385,143,500 | 1,601 |
| Average equity | $32,002,000 | 2,155 |
| Average total loans | $241,917,500 | 1,744 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1330% | 3,611 |
| Cost of funding earning assets | 0.4274% | 4,348 |
| Net interest margin | 3.7056% | 3,030 |
| Noninterest income to average assets | 0.2671% | 5,436 |
| Noninterest expense to average assets | 2.1884% | 5,659 |
| Loan and lease loss provision to assets | 0.0472% | 4,179 |
| Net operating income to assets | 1.0354% | 2,181 |
| Return on assets (ROA) | 1.0372% | 2,242 |
| Pretax return on assets | 1.6343% | 1,093 |
| Return on Equity (ROE) | 12.1234% | 1,379 |
| Retained earnings to average equity (ytd only) | 10.0071% | 562 |
| Net charge-offs to loans | -0.0640% | 6,385 |
| Credit loss provision to net charge-offs | -120.7143% | 5,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5896% | 5,885 |
| Assets per employee ($millions) | 4.0194% | 3,831 |
| Cash dividends to net income (ytd only)* | 17.4569% | 3,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9648% | 5,715 |
| Loan loss allowance to noncurrent loans | 66.5977% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 0.8954% | 3,650 |
| Noncurrent loans to loans | 1.4488% | 2,718 |
| Net loans and leases to total assets | 61.2081% | 3,498 |
| Net loans and leases to deposits | 68.0721% | 4,043 |
| Net loans and leases to core deposits | 127.2077% | 226 |
| Total domestic deposits to total assets | 89.9166% | 1,119 |
| Equity capital to assets | 8.4165% | 5,673 |
| Core capital (leverage) ratio | 8.3319% | 5,842 |
| Tier 1 risk-based capital ratio | 12.5041% | 5,287 |
| Total risk-based capital ratio | 13.3906% | 5,470 |
| Memoranda: | ||
| Average total assets | $357,880,000 | 1,809 |
| Average earning assets | $347,692,600 | 1,723 |
| Average equity | $30,618,400 | 2,220 |
| Average total loans | $218,821,400 | 1,872 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1059% | 3,737 |
| Cost of funding earning assets | 0.4260% | 4,542 |
| Net interest margin | 3.6799% | 3,103 |
| Noninterest income to average assets | 0.2067% | 5,938 |
| Noninterest expense to average assets | 2.1762% | 5,663 |
| Loan and lease loss provision to assets | 0.0423% | 4,164 |
| Net operating income to assets | 1.0159% | 2,312 |
| Return on assets (ROA) | 1.0194% | 2,386 |
| Pretax return on assets | 1.5642% | 1,430 |
| Return on Equity (ROE) | 11.8630% | 1,517 |
| Retained earnings to average equity (ytd only) | 9.7876% | 832 |
| Net charge-offs to loans | -0.0700% | 6,408 |
| Credit loss provision to net charge-offs | -99.1150% | 5,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6115% | 5,736 |
| Assets per employee ($millions) | 6.5226% | 925 |
| Cash dividends to net income (ytd only)* | 17.4945% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 5,856 |
| Loan loss allowance to noncurrent loans | 63.5325% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 0.9024% | 3,877 |
| Noncurrent loans to loans | 1.5235% | 2,880 |
| Net loans and leases to total assets | 58.6613% | 3,900 |
| Net loans and leases to deposits | 63.9843% | 4,525 |
| Net loans and leases to core deposits | 114.2085% | 445 |
| Total domestic deposits to total assets | 91.6807% | 320 |
| Equity capital to assets | 8.0770% | 6,095 |
| Core capital (leverage) ratio | 8.7162% | 5,509 |
| Tier 1 risk-based capital ratio | 12.6123% | 5,380 |
| Total risk-based capital ratio | 13.4953% | 5,545 |
| Memoranda: | ||
| Average total assets | $352,895,250 | 1,849 |
| Average earning assets | $342,425,750 | 1,756 |
| Average equity | $30,323,250 | 2,254 |
| Average total loans | $215,149,500 | 1,899 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1541% | 3,522 |
| Cost of funding earning assets | 0.4343% | 4,615 |
| Net interest margin | 3.7198% | 2,884 |
| Noninterest income to average assets | 0.2085% | 5,954 |
| Noninterest expense to average assets | 2.2496% | 5,501 |
| Loan and lease loss provision to assets | 0.1028% | 3,079 |
| Net operating income to assets | 0.9704% | 2,464 |
| Return on assets (ROA) | 0.9570% | 2,678 |
| Pretax return on assets | 1.4569% | 1,751 |
| Return on Equity (ROE) | 10.8974% | 1,848 |
| Retained earnings to average equity (ytd only) | 9.0525% | 1,103 |
| Net charge-offs to loans | -0.0660% | 6,364 |
| Credit loss provision to net charge-offs | -252.8571% | 5,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7415% | 5,636 |
| Assets per employee ($millions) | 5.9637% | 1,225 |
| Cash dividends to net income (ytd only)* | 16.9296% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 5,853 |
| Loan loss allowance to noncurrent loans | 54.5160% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 1.1619% | 3,426 |
| Noncurrent loans to loans | 1.8206% | 2,609 |
| Net loans and leases to total assets | 63.1889% | 3,063 |
| Net loans and leases to deposits | 69.4681% | 3,792 |
| Net loans and leases to core deposits | 123.2490% | 267 |
| Total domestic deposits to total assets | 90.9611% | 559 |
| Equity capital to assets | 8.8724% | 5,363 |
| Core capital (leverage) ratio | 8.6115% | 5,542 |
| Tier 1 risk-based capital ratio | 12.6527% | 5,391 |
| Total risk-based capital ratio | 13.5734% | 5,561 |
| Memoranda: | ||
| Average total assets | $344,423,330 | 1,890 |
| Average earning assets | $335,286,000 | 1,789 |
| Average equity | $30,245,670 | 2,259 |
| Average total loans | $212,169,000 | 1,917 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0234% | 4,023 |
| Cost of funding earning assets | 0.4386% | 4,721 |
| Net interest margin | 3.5848% | 3,321 |
| Noninterest income to average assets | 0.2037% | 6,021 |
| Noninterest expense to average assets | 2.2590% | 5,545 |
| Loan and lease loss provision to assets | 0.0745% | 3,386 |
| Net operating income to assets | 0.9064% | 2,616 |
| Return on assets (ROA) | 0.8857% | 2,865 |
| Pretax return on assets | 1.3396% | 2,075 |
| Return on Equity (ROE) | 10.1386% | 2,014 |
| Retained earnings to average equity (ytd only) | 8.2867% | 1,647 |
| Net charge-offs to loans | -0.1135% | 6,500 |
| Credit loss provision to net charge-offs | -108.4746% | 5,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9802% | 5,447 |
| Assets per employee ($millions) | 6.4108% | 1,021 |
| Cash dividends to net income (ytd only)* | 18.2654% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9880% | 6,024 |
| Loan loss allowance to noncurrent loans | 49.5565% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 1.1829% | 3,594 |
| Noncurrent loans to loans | 1.9936% | 2,622 |
| Net loans and leases to total assets | 58.7502% | 3,657 |
| Net loans and leases to deposits | 64.4451% | 4,260 |
| Net loans and leases to core deposits | 107.3110% | 589 |
| Total domestic deposits to total assets | 91.1633% | 460 |
| Equity capital to assets | 8.5892% | 5,928 |
| Core capital (leverage) ratio | 8.6842% | 5,351 |
| Tier 1 risk-based capital ratio | 12.7183% | 5,423 |
| Total risk-based capital ratio | 13.6146% | 5,621 |
| Memoranda: | ||
| Average total assets | $343,688,500 | 1,918 |
| Average earning assets | $335,637,500 | 1,803 |
| Average equity | $30,024,000 | 2,288 |
| Average total loans | $207,875,000 | 1,960 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3448% | 4,038 |
| Cost of funding earning assets | 0.6807% | 3,645 |
| Net interest margin | 3.6641% | 3,805 |
| Noninterest income to average assets | 0.5427% | 3,631 |
| Noninterest expense to average assets | 2.3822% | 5,462 |
| Loan and lease loss provision to assets | 0.3276% | 2,076 |
| Net operating income to assets | 0.9232% | 2,690 |
| Return on assets (ROA) | 1.0097% | 2,511 |
| Pretax return on assets | 1.5649% | 1,476 |
| Return on Equity (ROE) | 11.0171% | 1,801 |
| Retained earnings to average equity (ytd only) | 7.5515% | 1,308 |
| Net charge-offs to loans | 0.2922% | 3,186 |
| Credit loss provision to net charge-offs | 183.7838% | 1,429 |
| Earnings coverage of net charge-offs (x) | 9.8721% | 2,209 |
| Efficiency ratio | 57.5173% | 5,897 |
| Assets per employee ($millions) | 6.1996% | 1,168 |
| Cash dividends to net income (ytd only)* | 31.4567% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9413% | 6,156 |
| Loan loss allowance to noncurrent loans | 57.2101% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 1.0150% | 4,006 |
| Noncurrent loans to loans | 1.6453% | 3,154 |
| Net loans and leases to total assets | 61.1110% | 3,399 |
| Net loans and leases to deposits | 67.3016% | 4,082 |
| Net loans and leases to core deposits | 106.2017% | 681 |
| Total domestic deposits to total assets | 90.8017% | 564 |
| Equity capital to assets | 8.8903% | 5,644 |
| Core capital (leverage) ratio | 8.5128% | 5,588 |
| Tier 1 risk-based capital ratio | 13.0466% | 5,076 |
| Total risk-based capital ratio | 13.9283% | 5,284 |
| Memoranda: | ||
| Average total assets | $311,395,000 | 2,065 |
| Average earning assets | $305,856,600 | 1,936 |
| Average equity | $28,537,400 | 2,347 |
| Average total loans | $189,910,600 | 2,096 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3615% | 4,200 |
| Cost of funding earning assets | 0.7296% | 3,522 |
| Net interest margin | 3.6319% | 4,089 |
| Noninterest income to average assets | 0.2439% | 5,802 |
| Noninterest expense to average assets | 2.3965% | 5,412 |
| Loan and lease loss provision to assets | 0.3827% | 1,687 |
| Net operating income to assets | 0.6761% | 4,020 |
| Return on assets (ROA) | 0.8003% | 3,694 |
| Pretax return on assets | 1.2227% | 2,903 |
| Return on Equity (ROE) | 8.6616% | 2,970 |
| Retained earnings to average equity (ytd only) | 5.8988% | 2,764 |
| Net charge-offs to loans | 0.4142% | 2,432 |
| Credit loss provision to net charge-offs | 151.9931% | 1,853 |
| Earnings coverage of net charge-offs (x) | 5.6170% | 2,974 |
| Efficiency ratio | 62.8879% | 4,997 |
| Assets per employee ($millions) | 6.4388% | 980 |
| Cash dividends to net income (ytd only)* | 31.8975% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8792% | 6,431 |
| Loan loss allowance to noncurrent loans | 61.7494% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 0.8605% | 4,570 |
| Noncurrent loans to loans | 1.4238% | 3,664 |
| Net loans and leases to total assets | 59.9042% | 3,801 |
| Net loans and leases to deposits | 65.7204% | 4,501 |
| Net loans and leases to core deposits | 105.7580% | 753 |
| Total domestic deposits to total assets | 91.1501% | 373 |
| Equity capital to assets | 8.6217% | 6,162 |
| Core capital (leverage) ratio | 8.8776% | 5,229 |
| Tier 1 risk-based capital ratio | 13.2533% | 5,056 |
| Total risk-based capital ratio | 14.0960% | 5,338 |
| Memoranda: | ||
| Average total assets | $305,548,500 | 2,126 |
| Average earning assets | $300,075,500 | 1,988 |
| Average equity | $28,231,000 | 2,394 |
| Average total loans | $185,755,250 | 2,156 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4223% | 4,097 |
| Cost of funding earning assets | 0.7726% | 3,425 |
| Net interest margin | 3.6497% | 4,041 |
| Noninterest income to average assets | 0.2813% | 5,562 |
| Noninterest expense to average assets | 2.3638% | 5,581 |
| Loan and lease loss provision to assets | 0.4503% | 1,425 |
| Net operating income to assets | 0.6915% | 3,909 |
| Return on assets (ROA) | 0.7593% | 3,831 |
| Pretax return on assets | 1.1535% | 3,106 |
| Return on Equity (ROE) | 8.0160% | 3,250 |
| Retained earnings to average equity (ytd only) | 5.2250% | 3,140 |
| Net charge-offs to loans | 0.3917% | 2,453 |
| Credit loss provision to net charge-offs | 188.6686% | 1,502 |
| Earnings coverage of net charge-offs (x) | 6.2890% | 2,667 |
| Efficiency ratio | 61.1617% | 5,395 |
| Assets per employee ($millions) | 5.7739% | 1,397 |
| Cash dividends to net income (ytd only)* | 34.8175% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9411% | 6,349 |
| Loan loss allowance to noncurrent loans | 72.5212% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 0.8075% | 4,784 |
| Noncurrent loans to loans | 1.2977% | 3,978 |
| Net loans and leases to total assets | 61.6385% | 3,504 |
| Net loans and leases to deposits | 71.5869% | 3,674 |
| Net loans and leases to core deposits | 108.1869% | 654 |
| Total domestic deposits to total assets | 86.1031% | 3,303 |
| Equity capital to assets | 9.2354% | 5,423 |
| Core capital (leverage) ratio | 9.1364% | 4,710 |
| Tier 1 risk-based capital ratio | 13.6043% | 4,737 |
| Total risk-based capital ratio | 14.4925% | 4,978 |
| Memoranda: | ||
| Average total assets | $295,792,000 | 2,185 |
| Average earning assets | $290,435,000 | 2,049 |
| Average equity | $28,019,000 | 2,393 |
| Average total loans | $180,224,000 | 2,228 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4024% | 4,325 |
| Cost of funding earning assets | 0.8020% | 3,460 |
| Net interest margin | 3.6004% | 4,272 |
| Noninterest income to average assets | 0.3908% | 4,736 |
| Noninterest expense to average assets | 2.4068% | 5,453 |
| Loan and lease loss provision to assets | 0.1390% | 3,620 |
| Net operating income to assets | 0.8969% | 2,935 |
| Return on assets (ROA) | 0.9578% | 2,854 |
| Pretax return on assets | 1.4724% | 1,951 |
| Return on Equity (ROE) | 9.9794% | 2,412 |
| Retained earnings to average equity (ytd only) | 7.1691% | 2,337 |
| Net charge-offs to loans | -0.1165% | 6,840 |
| Credit loss provision to net charge-offs | -198.0392% | 5,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3254% | 5,397 |
| Assets per employee ($millions) | 5.7312% | 1,495 |
| Cash dividends to net income (ytd only)* | 28.1609% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 6,522 |
| Loan loss allowance to noncurrent loans | 70.7285% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 0.7738% | 4,996 |
| Noncurrent loans to loans | 1.2794% | 4,192 |
| Net loans and leases to total assets | 59.9313% | 3,682 |
| Net loans and leases to deposits | 69.8501% | 3,755 |
| Net loans and leases to core deposits | 107.0368% | 639 |
| Total domestic deposits to total assets | 85.8000% | 3,640 |
| Equity capital to assets | 9.4215% | 4,919 |
| Core capital (leverage) ratio | 9.0977% | 4,685 |
| Tier 1 risk-based capital ratio | 14.2106% | 4,305 |
| Total risk-based capital ratio | 15.0623% | 4,575 |
| Memoranda: | ||
| Average total assets | $290,679,000 | 2,236 |
| Average earning assets | $285,299,000 | 2,096 |
| Average equity | $27,897,500 | 2,396 |
| Average total loans | $175,127,500 | 2,310 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7081% | 4,207 |
| Cost of funding earning assets | 0.8703% | 4,324 |
| Net interest margin | 3.8379% | 3,635 |
| Noninterest income to average assets | 0.1751% | 6,241 |
| Noninterest expense to average assets | 2.4381% | 5,668 |
| Loan and lease loss provision to assets | 0.1587% | 4,642 |
| Net operating income to assets | 0.8574% | 2,783 |
| Return on assets (ROA) | 0.8660% | 2,894 |
| Pretax return on assets | 1.3450% | 1,967 |
| Return on Equity (ROE) | 10.3158% | 1,950 |
| Retained earnings to average equity (ytd only) | 7.8143% | 1,147 |
| Net charge-offs to loans | 0.2292% | 4,350 |
| Credit loss provision to net charge-offs | 114.7849% | 2,845 |
| Earnings coverage of net charge-offs (x) | 10.7796% | 1,794 |
| Efficiency ratio | 62.0624% | 5,451 |
| Assets per employee ($millions) | 5.4488% | 1,693 |
| Cash dividends to net income (ytd only)* | 24.2489% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8699% | 6,603 |
| Loan loss allowance to noncurrent loans | 259.9297% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.2008% | 6,457 |
| Noncurrent loans to loans | 0.3347% | 6,060 |
| Net loans and leases to total assets | 59.4829% | 4,087 |
| Net loans and leases to deposits | 71.1280% | 3,933 |
| Net loans and leases to core deposits | 108.0102% | 703 |
| Total domestic deposits to total assets | 83.6280% | 4,491 |
| Equity capital to assets | 9.7823% | 4,463 |
| Core capital (leverage) ratio | 9.8698% | 3,493 |
| Tier 1 risk-based capital ratio | 15.8626% | 3,120 |
| Total risk-based capital ratio | 16.7364% | 3,290 |
| Memoranda: | ||
| Average total assets | $269,060,800 | 2,344 |
| Average earning assets | $263,139,600 | 2,219 |
| Average equity | $22,586,800 | 2,826 |
| Average total loans | $162,268,600 | 2,472 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8033% | 4,002 |
| Cost of funding earning assets | 0.9129% | 4,318 |
| Net interest margin | 3.8904% | 3,427 |
| Noninterest income to average assets | 0.2315% | 5,966 |
| Noninterest expense to average assets | 2.4618% | 5,589 |
| Loan and lease loss provision to assets | 0.0919% | 5,309 |
| Net operating income to assets | 0.9462% | 2,545 |
| Return on assets (ROA) | 0.9723% | 2,596 |
| Pretax return on assets | 1.5217% | 1,596 |
| Return on Equity (ROE) | 12.1162% | 1,524 |
| Retained earnings to average equity (ytd only) | 9.7756% | 914 |
| Net charge-offs to loans | 0.0166% | 5,921 |
| Credit loss provision to net charge-offs | 915.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 156.5767% | 248 |
| Efficiency ratio | 61.0157% | 5,561 |
| Assets per employee ($millions) | 5.5475% | 1,550 |
| Cash dividends to net income (ytd only)* | 19.3180% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9956% | 6,293 |
| Loan loss allowance to noncurrent loans | 164.7975% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.4849% | 5,873 |
| Noncurrent loans to loans | 0.6041% | 5,679 |
| Net loans and leases to total assets | 58.0593% | 4,508 |
| Net loans and leases to deposits | 69.9721% | 4,304 |
| Net loans and leases to core deposits | 114.4168% | 542 |
| Total domestic deposits to total assets | 82.9750% | 4,695 |
| Equity capital to assets | 10.1512% | 4,151 |
| Core capital (leverage) ratio | 9.9330% | 3,524 |
| Tier 1 risk-based capital ratio | 15.8761% | 3,177 |
| Total risk-based capital ratio | 16.8217% | 3,307 |
| Memoranda: | ||
| Average total assets | $265,491,750 | 2,387 |
| Average earning assets | $259,538,750 | 2,249 |
| Average equity | $21,304,250 | 2,971 |
| Average total loans | $160,331,750 | 2,504 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8643% | 3,787 |
| Cost of funding earning assets | 0.9540% | 4,282 |
| Net interest margin | 3.9103% | 3,262 |
| Noninterest income to average assets | 0.2422% | 5,912 |
| Noninterest expense to average assets | 2.4748% | 5,626 |
| Loan and lease loss provision to assets | 0.1390% | 4,565 |
| Net operating income to assets | 0.9223% | 2,548 |
| Return on assets (ROA) | 0.9758% | 2,432 |
| Pretax return on assets | 1.5309% | 1,434 |
| Return on Equity (ROE) | 13.3801% | 1,119 |
| Retained earnings to average equity (ytd only) | 11.7037% | 565 |
| Net charge-offs to loans | -0.0087% | 6,657 |
| Credit loss provision to net charge-offs | -2,614.2857% | 6,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9387% | 5,737 |
| Assets per employee ($millions) | 4.9484% | 2,202 |
| Cash dividends to net income (ytd only)* | 12.5292% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 6,354 |
| Loan loss allowance to noncurrent loans | 140.8377% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5833% | 5,755 |
| Noncurrent loans to loans | 0.7075% | 5,496 |
| Net loans and leases to total assets | 62.3217% | 3,824 |
| Net loans and leases to deposits | 76.1070% | 3,445 |
| Net loans and leases to core deposits | 123.7451% | 347 |
| Total domestic deposits to total assets | 81.8870% | 5,203 |
| Equity capital to assets | 7.7974% | 6,808 |
| Core capital (leverage) ratio | 6.9048% | 7,030 |
| Tier 1 risk-based capital ratio | 11.2508% | 6,354 |
| Total risk-based capital ratio | 12.1970% | 6,543 |
| Memoranda: | ||
| Average total assets | $263,379,330 | 2,423 |
| Average earning assets | $257,220,330 | 2,281 |
| Average equity | $19,207,670 | 3,244 |
| Average total loans | $160,639,330 | 2,529 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7589% | 4,259 |
| Cost of funding earning assets | 0.9761% | 4,385 |
| Net interest margin | 3.7828% | 3,692 |
| Noninterest income to average assets | 0.2267% | 6,102 |
| Noninterest expense to average assets | 2.3948% | 5,894 |
| Loan and lease loss provision to assets | 0.1802% | 3,817 |
| Net operating income to assets | 0.8730% | 2,691 |
| Return on assets (ROA) | 0.8018% | 3,094 |
| Pretax return on assets | 1.2372% | 2,243 |
| Return on Equity (ROE) | 11.3741% | 1,630 |
| Retained earnings to average equity (ytd only) | 9.9470% | 1,129 |
| Net charge-offs to loans | -0.0125% | 6,433 |
| Credit loss provision to net charge-offs | -2,400.0000% | 6,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0643% | 5,825 |
| Assets per employee ($millions) | 5.4720% | 1,599 |
| Cash dividends to net income (ytd only)* | 12.5468% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9405% | 6,586 |
| Loan loss allowance to noncurrent loans | 182.4499% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.4584% | 6,071 |
| Noncurrent loans to loans | 0.5155% | 5,994 |
| Net loans and leases to total assets | 62.1145% | 3,830 |
| Net loans and leases to deposits | 75.1502% | 3,561 |
| Net loans and leases to core deposits | 124.2247% | 336 |
| Total domestic deposits to total assets | 82.6538% | 5,042 |
| Equity capital to assets | 7.2993% | 6,971 |
| Core capital (leverage) ratio | 6.9680% | 7,025 |
| Tier 1 risk-based capital ratio | 10.5282% | 6,791 |
| Total risk-based capital ratio | 11.4088% | 6,946 |
| Memoranda: | ||
| Average total assets | $266,410,000 | 2,414 |
| Average earning assets | $260,229,500 | 2,273 |
| Average equity | $18,779,500 | 3,285 |
| Average total loans | $159,969,500 | 2,563 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9501% | 4,785 |
| Cost of funding earning assets | 1.1328% | 4,948 |
| Net interest margin | 3.8174% | 3,879 |
| Noninterest income to average assets | 0.4990% | 4,178 |
| Noninterest expense to average assets | 2.5888% | 5,461 |
| Loan and lease loss provision to assets | 0.2246% | 5,035 |
| Net operating income to assets | 0.9046% | 2,366 |
| Return on assets (ROA) | 0.8887% | 2,568 |
| Pretax return on assets | 1.3829% | 1,707 |
| Return on Equity (ROE) | 12.6099% | 1,191 |
| Retained earnings to average equity (ytd only) | 11.0786% | 371 |
| Net charge-offs to loans | 0.1090% | 5,784 |
| Credit loss provision to net charge-offs | 333.7662% | 767 |
| Earnings coverage of net charge-offs (x) | 24.2597% | 870 |
| Efficiency ratio | 61.3291% | 5,841 |
| Assets per employee ($millions) | 6.2829% | 1,043 |
| Cash dividends to net income (ytd only)* | 12.1436% | 3,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9173% | 6,676 |
| Loan loss allowance to noncurrent loans | 209.7202% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.4146% | 6,233 |
| Noncurrent loans to loans | 0.4374% | 6,165 |
| Net loans and leases to total assets | 56.9353% | 5,199 |
| Net loans and leases to deposits | 68.4573% | 5,045 |
| Net loans and leases to core deposits | 118.1098% | 583 |
| Total domestic deposits to total assets | 83.1690% | 4,723 |
| Equity capital to assets | 6.8059% | 7,173 |
| Core capital (leverage) ratio | 7.3905% | 6,795 |
| Tier 1 risk-based capital ratio | 10.7708% | 6,512 |
| Total risk-based capital ratio | 11.6217% | 6,763 |
| Memoranda: | ||
| Average total assets | $228,874,400 | 2,769 |
| Average earning assets | $223,165,200 | 2,592 |
| Average equity | $16,130,200 | 3,734 |
| Average total loans | $141,226,400 | 2,925 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0658% | 4,502 |
| Cost of funding earning assets | 1.1948% | 4,890 |
| Net interest margin | 3.8710% | 3,653 |
| Noninterest income to average assets | 0.4899% | 4,271 |
| Noninterest expense to average assets | 2.6446% | 5,138 |
| Loan and lease loss provision to assets | 0.2550% | 4,541 |
| Net operating income to assets | 0.8662% | 2,759 |
| Return on assets (ROA) | 0.8748% | 2,847 |
| Pretax return on assets | 1.3751% | 1,953 |
| Return on Equity (ROE) | 12.2829% | 1,430 |
| Retained earnings to average equity (ytd only) | 10.8096% | 631 |
| Net charge-offs to loans | 0.1501% | 5,107 |
| Credit loss provision to net charge-offs | 269.6774% | 1,215 |
| Earnings coverage of net charge-offs (x) | 17.0969% | 1,344 |
| Efficiency ratio | 62.0616% | 5,610 |
| Assets per employee ($millions) | 4.9366% | 2,264 |
| Cash dividends to net income (ytd only)* | 11.9946% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9152% | 6,691 |
| Loan loss allowance to noncurrent loans | 120.9663% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.4938% | 6,191 |
| Noncurrent loans to loans | 0.7566% | 5,690 |
| Net loans and leases to total assets | 64.6749% | 3,978 |
| Net loans and leases to deposits | 81.3499% | 3,209 |
| Net loans and leases to core deposits | 128.2099% | 410 |
| Total domestic deposits to total assets | 79.5021% | 5,866 |
| Equity capital to assets | 8.1478% | 6,668 |
| Core capital (leverage) ratio | 7.9469% | 6,422 |
| Tier 1 risk-based capital ratio | 11.2634% | 6,133 |
| Total risk-based capital ratio | 12.1123% | 6,478 |
| Memoranda: | ||
| Average total assets | $218,552,250 | 2,940 |
| Average earning assets | $212,926,250 | 2,755 |
| Average equity | $15,566,000 | 3,886 |
| Average total loans | $137,722,500 | 3,026 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0331% | 4,783 |
| Cost of funding earning assets | 1.2420% | 4,881 |
| Net interest margin | 3.7911% | 3,933 |
| Noninterest income to average assets | 0.4776% | 4,300 |
| Noninterest expense to average assets | 2.6022% | 5,317 |
| Loan and lease loss provision to assets | 0.3487% | 3,630 |
| Net operating income to assets | 0.7675% | 3,113 |
| Return on assets (ROA) | 0.7251% | 3,452 |
| Pretax return on assets | 1.1539% | 2,574 |
| Return on Equity (ROE) | 10.7056% | 1,856 |
| Retained earnings to average equity (ytd only) | 9.7002% | 916 |
| Net charge-offs to loans | 0.1626% | 4,643 |
| Credit loss provision to net charge-offs | 344.5455% | 1,059 |
| Earnings coverage of net charge-offs (x) | 15.5000% | 1,453 |
| Efficiency ratio | 62.3869% | 5,631 |
| Assets per employee ($millions) | 5.3201% | 1,789 |
| Cash dividends to net income (ytd only)* | 9.3909% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9383% | 6,634 |
| Loan loss allowance to noncurrent loans | 116.2162% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.5259% | 6,152 |
| Noncurrent loans to loans | 0.8073% | 5,662 |
| Net loans and leases to total assets | 64.5223% | 4,157 |
| Net loans and leases to deposits | 79.7125% | 3,650 |
| Net loans and leases to core deposits | 141.1629% | 278 |
| Total domestic deposits to total assets | 80.9438% | 5,420 |
| Equity capital to assets | 7.4949% | 7,117 |
| Core capital (leverage) ratio | 7.2781% | 7,011 |
| Tier 1 risk-based capital ratio | 10.2796% | 6,852 |
| Total risk-based capital ratio | 11.1384% | 7,063 |
| Memoranda: | ||
| Average total assets | $217,354,670 | 2,970 |
| Average earning assets | $211,759,330 | 2,792 |
| Average equity | $14,721,330 | 4,046 |
| Average total loans | $135,297,000 | 3,097 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9206% | 5,355 |
| Cost of funding earning assets | 1.2548% | 5,089 |
| Net interest margin | 3.6659% | 4,407 |
| Noninterest income to average assets | 0.2765% | 5,938 |
| Noninterest expense to average assets | 2.5533% | 5,540 |
| Loan and lease loss provision to assets | 0.5107% | 2,453 |
| Net operating income to assets | 0.4863% | 4,467 |
| Return on assets (ROA) | 0.4332% | 4,829 |
| Pretax return on assets | 0.7006% | 4,228 |
| Return on Equity (ROE) | 6.7587% | 3,472 |
| Retained earnings to average equity (ytd only) | 6.1260% | 2,563 |
| Net charge-offs to loans | 0.2699% | 3,332 |
| Credit loss provision to net charge-offs | 311.2360% | 1,267 |
| Earnings coverage of net charge-offs (x) | 7.8876% | 2,023 |
| Efficiency ratio | 66.3632% | 5,043 |
| Assets per employee ($millions) | 5.4480% | 1,722 |
| Cash dividends to net income (ytd only)* | 9.3617% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 6,721 |
| Loan loss allowance to noncurrent loans | 90.2088% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.6070% | 6,000 |
| Noncurrent loans to loans | 1.0385% | 5,259 |
| Net loans and leases to total assets | 57.9078% | 5,453 |
| Net loans and leases to deposits | 69.7201% | 5,386 |
| Net loans and leases to core deposits | 124.9698% | 614 |
| Total domestic deposits to total assets | 83.0576% | 4,592 |
| Equity capital to assets | 6.1988% | 7,591 |
| Core capital (leverage) ratio | 6.5150% | 7,463 |
| Tier 1 risk-based capital ratio | 9.7229% | 7,197 |
| Total risk-based capital ratio | 10.5769% | 7,378 |
| Memoranda: | ||
| Average total assets | $216,970,500 | 3,027 |
| Average earning assets | $211,354,500 | 2,862 |
| Average equity | $13,908,000 | 4,263 |
| Average total loans | $131,910,000 | 3,222 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3423% | 4,972 |
| Cost of funding earning assets | 1.6288% | 4,897 |
| Net interest margin | 3.7135% | 4,078 |
| Noninterest income to average assets | 0.4671% | 4,672 |
| Noninterest expense to average assets | 2.8626% | 4,688 |
| Loan and lease loss provision to assets | 0.5530% | 3,604 |
| Net operating income to assets | 0.4202% | 4,048 |
| Return on assets (ROA) | 0.4906% | 3,869 |
| Pretax return on assets | 0.6898% | 3,606 |
| Return on Equity (ROE) | 6.9806% | 2,795 |
| Retained earnings to average equity (ytd only) | 5.6937% | 1,477 |
| Net charge-offs to loans | 0.6555% | 3,224 |
| Credit loss provision to net charge-offs | 134.9162% | 3,678 |
| Earnings coverage of net charge-offs (x) | 2.7905% | 3,695 |
| Efficiency ratio | 71.4531% | 4,360 |
| Assets per employee ($millions) | 5.6979% | 1,472 |
| Cash dividends to net income (ytd only)* | 18.4364% | 3,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8188% | 7,076 |
| Loan loss allowance to noncurrent loans | 71.2851% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 0.7283% | 5,653 |
| Noncurrent loans to loans | 1.1487% | 5,036 |
| Net loans and leases to total assets | 62.8883% | 4,832 |
| Net loans and leases to deposits | 77.4188% | 4,484 |
| Net loans and leases to core deposits | 174.2853% | 205 |
| Total domestic deposits to total assets | 81.2314% | 5,253 |
| Equity capital to assets | 6.6457% | 7,518 |
| Core capital (leverage) ratio | 7.3431% | 6,945 |
| Tier 1 risk-based capital ratio | 9.6856% | 7,108 |
| Total risk-based capital ratio | 10.4278% | 7,391 |
| Memoranda: | ||
| Average total assets | $174,698,600 | 3,521 |
| Average earning assets | $166,501,600 | 3,403 |
| Average equity | $12,276,800 | 4,691 |
| Average total loans | $109,228,600 | 3,713 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4916% | 4,455 |
| Cost of funding earning assets | 1.7747% | 4,506 |
| Net interest margin | 3.7170% | 4,001 |
| Noninterest income to average assets | 0.2250% | 6,621 |
| Noninterest expense to average assets | 2.7760% | 4,995 |
| Loan and lease loss provision to assets | 0.2514% | 4,940 |
| Net operating income to assets | 0.5005% | 3,980 |
| Return on assets (ROA) | 0.6088% | 3,630 |
| Pretax return on assets | 0.8722% | 3,308 |
| Return on Equity (ROE) | 8.5216% | 2,440 |
| Retained earnings to average equity (ytd only) | 7.2037% | 1,432 |
| Net charge-offs to loans | 0.0923% | 5,758 |
| Credit loss provision to net charge-offs | 437.5000% | 906 |
| Earnings coverage of net charge-offs (x) | 16.8607% | 1,440 |
| Efficiency ratio | 74.1317% | 3,843 |
| Assets per employee ($millions) | 5.0568% | 2,076 |
| Cash dividends to net income (ytd only)* | 15.4653% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 6,561 |
| Loan loss allowance to noncurrent loans | 48.9579% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 1.1860% | 4,701 |
| Noncurrent loans to loans | 1.9350% | 3,726 |
| Net loans and leases to total assets | 60.7104% | 5,469 |
| Net loans and leases to deposits | 77.0409% | 4,893 |
| Net loans and leases to core deposits | 135.7360% | 1,114 |
| Total domestic deposits to total assets | 78.8028% | 5,868 |
| Equity capital to assets | 7.4927% | 7,300 |
| Core capital (leverage) ratio | 7.6533% | 6,794 |
| Tier 1 risk-based capital ratio | 10.9500% | 6,000 |
| Total risk-based capital ratio | 11.7871% | 6,390 |
| Memoranda: | ||
| Average total assets | $167,092,250 | 3,674 |
| Average earning assets | $158,224,250 | 3,572 |
| Average equity | $11,938,000 | 4,813 |
| Average total loans | $104,019,750 | 3,879 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5141% | 4,545 |
| Cost of funding earning assets | 1.9425% | 4,047 |
| Net interest margin | 3.5716% | 4,492 |
| Noninterest income to average assets | 0.2134% | 6,776 |
| Noninterest expense to average assets | 2.8253% | 4,850 |
| Loan and lease loss provision to assets | 0.2591% | 4,506 |
| Net operating income to assets | 0.3575% | 4,660 |
| Return on assets (ROA) | 0.4861% | 4,257 |
| Pretax return on assets | 0.6465% | 4,172 |
| Return on Equity (ROE) | 6.9301% | 3,232 |
| Retained earnings to average equity (ytd only) | 5.9275% | 2,060 |
| Net charge-offs to loans | 0.0650% | 5,588 |
| Credit loss provision to net charge-offs | 636.3636% | 733 |
| Earnings coverage of net charge-offs (x) | 18.0303% | 1,435 |
| Efficiency ratio | 79.3761% | 3,139 |
| Assets per employee ($millions) | 4.9948% | 2,080 |
| Cash dividends to net income (ytd only)* | 14.4670% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9243% | 6,670 |
| Loan loss allowance to noncurrent loans | 47.5756% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 1.1584% | 4,624 |
| Noncurrent loans to loans | 1.9428% | 3,610 |
| Net loans and leases to total assets | 59.0738% | 5,830 |
| Net loans and leases to deposits | 70.5444% | 5,925 |
| Net loans and leases to core deposits | 132.6527% | 1,392 |
| Total domestic deposits to total assets | 83.7399% | 3,901 |
| Equity capital to assets | 6.9199% | 7,651 |
| Core capital (leverage) ratio | 7.5602% | 6,949 |
| Tier 1 risk-based capital ratio | 10.7343% | 6,156 |
| Total risk-based capital ratio | 11.5548% | 6,524 |
| Memoranda: | ||
| Average total assets | $162,108,670 | 3,780 |
| Average earning assets | $151,864,330 | 3,712 |
| Average equity | $11,370,670 | 4,984 |
| Average total loans | $101,501,000 | 3,975 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7132% | 3,734 |
| Cost of funding earning assets | 2.2040% | 3,148 |
| Net interest margin | 3.5093% | 4,688 |
| Noninterest income to average assets | 0.1697% | 7,091 |
| Noninterest expense to average assets | 2.7249% | 4,900 |
| Loan and lease loss provision to assets | 0.3002% | 3,546 |
| Net operating income to assets | 0.2976% | 5,308 |
| Return on assets (ROA) | 0.5951% | 4,233 |
| Pretax return on assets | 0.7282% | 4,331 |
| Return on Equity (ROE) | 8.4176% | 2,957 |
| Retained earnings to average equity (ytd only) | 7.6423% | 1,955 |
| Net charge-offs to loans | 0.0730% | 4,456 |
| Credit loss provision to net charge-offs | 638.8889% | 900 |
| Earnings coverage of net charge-offs (x) | 14.1667% | 1,688 |
| Efficiency ratio | 80.3695% | 2,764 |
| Assets per employee ($millions) | 4.6106% | 2,554 |
| Cash dividends to net income (ytd only)* | 9.2105% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8948% | 6,774 |
| Loan loss allowance to noncurrent loans | 111.9165% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.5193% | 5,918 |
| Noncurrent loans to loans | 0.7995% | 5,435 |
| Net loans and leases to total assets | 64.3632% | 4,923 |
| Net loans and leases to deposits | 78.3794% | 4,862 |
| Net loans and leases to core deposits | 123.2104% | 2,143 |
| Total domestic deposits to total assets | 82.1175% | 4,502 |
| Equity capital to assets | 7.1561% | 7,594 |
| Core capital (leverage) ratio | 7.2579% | 7,417 |
| Tier 1 risk-based capital ratio | 9.8147% | 7,129 |
| Total risk-based capital ratio | 10.6059% | 7,505 |
| Memoranda: | ||
| Average total assets | $153,256,000 | 3,955 |
| Average earning assets | $140,656,000 | 3,940 |
| Average equity | $10,834,500 | 5,151 |
| Average total loans | $98,644,500 | 4,077 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2916% | 4,005 |
| Cost of funding earning assets | 2.3996% | 4,718 |
| Net interest margin | 3.8919% | 3,598 |
| Noninterest income to average assets | 0.3436% | 5,989 |
| Noninterest expense to average assets | 3.0436% | 3,930 |
| Loan and lease loss provision to assets | 0.1714% | 5,188 |
| Net operating income to assets | 0.7565% | 3,635 |
| Return on assets (ROA) | 0.7948% | 3,298 |
| Pretax return on assets | 0.7948% | 4,097 |
| Return on Equity (ROE) | 10.2625% | 2,169 |
| Retained earnings to average equity (ytd only) | 4.5600% | 2,287 |
| Net charge-offs to loans | 0.1676% | 4,522 |
| Credit loss provision to net charge-offs | 156.9343% | 3,318 |
| Earnings coverage of net charge-offs (x) | 8.4964% | 2,871 |
| Efficiency ratio | 76.6359% | 3,132 |
| Assets per employee ($millions) | 4.6797% | 2,360 |
| Cash dividends to net income (ytd only)* | 55.5667% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8525% | 6,892 |
| Loan loss allowance to noncurrent loans | 114.1655% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 5,796 |
| Noncurrent loans to loans | 0.7467% | 5,161 |
| Net loans and leases to total assets | 63.2167% | 5,417 |
| Net loans and leases to deposits | 77.6819% | 5,381 |
| Net loans and leases to core deposits | 95.7393% | 5,277 |
| Total domestic deposits to total assets | 81.3790% | 4,472 |
| Equity capital to assets | 6.9790% | 7,750 |
| Core capital (leverage) ratio | 8.4620% | 5,638 |
| Tier 1 risk-based capital ratio | 11.2787% | 5,457 |
| Total risk-based capital ratio | 12.0636% | 5,802 |
| Memoranda: | ||
| Average total assets | $125,442,000 | 4,388 |
| Average earning assets | $116,934,200 | 4,342 |
| Average equity | $9,715,000 | 5,504 |
| Average total loans | $81,762,600 | 4,460 |