Home > Hamlin Bank and Trust Company > Performance and Condition Ratios
Hamlin Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3738% | 3,326 |
| Cost of funding earning assets | 0.6720% | 3,965 |
| Net interest margin | 3.7018% | 1,760 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.4719% | 2,374 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.0923% | 1,941 |
| Return on assets (ROA) | 0.8810% | 2,571 |
| Pretax return on assets | 1.0589% | 2,514 |
| Return on Equity (ROE) | 4.6600% | 3,782 |
| Retained earnings to average equity (ytd only) | -0.6817% | 4,161 |
| Net charge-offs to loans | 0.1870% | 572 |
| Credit loss provision to net charge-offs | 91.6497% | 1,939 |
| Earnings coverage of net charge-offs (x) | 12.4644% | 2,148 |
| Efficiency ratio | 63.5497% | 2,660 |
| Assets per employee ($millions) | 4.7629% | 3,797 |
| Cash dividends to net income (ytd only)* | 114.6200% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 1,964 |
| Loan loss allowance to noncurrent loans | 114.6116% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.7369% | 698 |
| Noncurrent loans to loans | 1.0997% | 666 |
| Net loans and leases to total assets | 61.9800% | 2,678 |
| Net loans and leases to deposits | 84.0122% | 1,778 |
| Net loans and leases to core deposits | 88.6518% | 2,142 |
| Total domestic deposits to total assets | 73.7800% | 4,119 |
| Equity capital to assets | 19.5182% | 296 |
| Core capital (leverage) ratio | 21.2402% | 227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $431,659,200 | 1,913 |
| Average earning assets | $418,014,400 | 1,843 |
| Average equity | $81,560,800 | 1,114 |
| Average total loans | $262,623,000 | 1,946 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3408% | 3,211 |
| Cost of funding earning assets | 0.5504% | 4,060 |
| Net interest margin | 3.7904% | 1,619 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.3675% | 2,605 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.2034% | 1,790 |
| Return on assets (ROA) | -0.5689% | 4,529 |
| Pretax return on assets | -0.7944% | 4,538 |
| Return on Equity (ROE) | -3.0400% | 4,471 |
| Retained earnings to average equity (ytd only) | -6.6426% | 4,456 |
| Net charge-offs to loans | 0.1654% | 514 |
| Credit loss provision to net charge-offs | 139.7516% | 1,364 |
| Earnings coverage of net charge-offs (x) | 15.9130% | 1,947 |
| Efficiency ratio | 59.8433% | 2,982 |
| Assets per employee ($millions) | 4.9452% | 3,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3516% | 1,648 |
| Loan loss allowance to noncurrent loans | 123.9768% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.7411% | 759 |
| Noncurrent loans to loans | 1.0902% | 724 |
| Net loans and leases to total assets | 62.3800% | 2,611 |
| Net loans and leases to deposits | 80.8596% | 1,981 |
| Net loans and leases to core deposits | 84.4839% | 2,296 |
| Total domestic deposits to total assets | 77.1500% | 3,913 |
| Equity capital to assets | 18.2240% | 336 |
| Core capital (leverage) ratio | 20.7195% | 253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $430,026,250 | 1,917 |
| Average earning assets | $416,868,000 | 1,848 |
| Average equity | $80,569,250 | 1,121 |
| Average total loans | $259,512,500 | 1,963 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3059% | 3,092 |
| Cost of funding earning assets | 0.4511% | 4,080 |
| Net interest margin | 3.8548% | 1,514 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.3860% | 2,537 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.2377% | 1,721 |
| Return on assets (ROA) | -0.9064% | 4,591 |
| Pretax return on assets | -1.2280% | 4,598 |
| Return on Equity (ROE) | -4.7900% | 4,539 |
| Retained earnings to average equity (ytd only) | -10.1360% | 4,515 |
| Net charge-offs to loans | 0.1825% | 433 |
| Credit loss provision to net charge-offs | 128.2051% | 1,293 |
| Earnings coverage of net charge-offs (x) | 14.9872% | 1,865 |
| Efficiency ratio | 59.4848% | 3,023 |
| Assets per employee ($millions) | 5.0231% | 3,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3792% | 1,611 |
| Loan loss allowance to noncurrent loans | 134.4244% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.7281% | 709 |
| Noncurrent loans to loans | 1.0260% | 734 |
| Net loans and leases to total assets | 60.5500% | 2,722 |
| Net loans and leases to deposits | 75.5405% | 2,359 |
| Net loans and leases to core deposits | 78.2738% | 2,592 |
| Total domestic deposits to total assets | 80.1600% | 3,555 |
| Equity capital to assets | 18.7769% | 314 |
| Core capital (leverage) ratio | 20.4281% | 248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $431,604,667 | 1,915 |
| Average earning assets | $418,957,000 | 1,842 |
| Average equity | $81,590,667 | 1,108 |
| Average total loans | $256,368,333 | 1,974 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2628% | 2,895 |
| Cost of funding earning assets | 0.3892% | 3,992 |
| Net interest margin | 3.8736% | 1,531 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.3307% | 2,726 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.3163% | 1,632 |
| Return on assets (ROA) | -2.2308% | 4,650 |
| Pretax return on assets | -2.8934% | 4,649 |
| Return on Equity (ROE) | -11.7600% | 4,606 |
| Retained earnings to average equity (ytd only) | -11.7624% | 4,506 |
| Net charge-offs to loans | 0.1647% | 429 |
| Credit loss provision to net charge-offs | 142.8571% | 970 |
| Earnings coverage of net charge-offs (x) | 18.0190% | 1,492 |
| Efficiency ratio | 57.3393% | 3,266 |
| Assets per employee ($millions) | 5.1012% | 3,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 1,660 |
| Loan loss allowance to noncurrent loans | 146.3535% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.6618% | 748 |
| Noncurrent loans to loans | 0.9499% | 794 |
| Net loans and leases to total assets | 58.8000% | 2,787 |
| Net loans and leases to deposits | 73.4092% | 2,343 |
| Net loans and leases to core deposits | 75.6947% | 2,556 |
| Total domestic deposits to total assets | 80.1000% | 3,749 |
| Equity capital to assets | 19.1862% | 259 |
| Core capital (leverage) ratio | 20.5344% | 241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $436,438,000 | 1,919 |
| Average earning assets | $424,414,000 | 1,850 |
| Average equity | $82,772,500 | 1,110 |
| Average total loans | $255,024,000 | 2,001 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7895% | 2,310 |
| Cost of funding earning assets | 0.2711% | 3,146 |
| Net interest margin | 3.5184% | 1,870 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 2.0365% | 3,479 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.3424% | 1,304 |
| Return on assets (ROA) | 0.6636% | 3,674 |
| Pretax return on assets | 0.7734% | 3,687 |
| Return on Equity (ROE) | 3.6100% | 4,224 |
| Retained earnings to average equity (ytd only) | -1.4585% | 4,464 |
| Net charge-offs to loans | 0.1503% | 547 |
| Credit loss provision to net charge-offs | 134.0483% | 1,380 |
| Earnings coverage of net charge-offs (x) | 20.9893% | 1,869 |
| Efficiency ratio | 54.9540% | 3,687 |
| Assets per employee ($millions) | 5.2902% | 3,434 |
| Cash dividends to net income (ytd only)* | 140.4242% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 1,579 |
| Loan loss allowance to noncurrent loans | 92.6797% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 0.9384% | 464 |
| Noncurrent loans to loans | 1.4866% | 438 |
| Net loans and leases to total assets | 56.4900% | 2,976 |
| Net loans and leases to deposits | 70.6010% | 2,534 |
| Net loans and leases to core deposits | 71.6037% | 2,752 |
| Total domestic deposits to total assets | 80.0200% | 3,875 |
| Equity capital to assets | 18.7526% | 262 |
| Core capital (leverage) ratio | 19.2112% | 290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $468,992,400 | 1,804 |
| Average earning assets | $457,449,800 | 1,736 |
| Average equity | $86,250,200 | 1,067 |
| Average total loans | $248,217,400 | 1,952 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5992% | 2,350 |
| Cost of funding earning assets | 0.2712% | 2,476 |
| Net interest margin | 3.3280% | 2,204 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 1.9135% | 3,721 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.5520% | 738 |
| Return on assets (ROA) | 0.1291% | 4,496 |
| Pretax return on assets | 0.0988% | 4,518 |
| Return on Equity (ROE) | 0.7100% | 4,519 |
| Retained earnings to average equity (ytd only) | -2.6488% | 4,522 |
| Net charge-offs to loans | 0.1103% | 568 |
| Credit loss provision to net charge-offs | 122.5490% | 1,209 |
| Earnings coverage of net charge-offs (x) | 27.8088% | 1,561 |
| Efficiency ratio | 54.5869% | 3,769 |
| Assets per employee ($millions) | 5.8430% | 2,896 |
| Cash dividends to net income (ytd only)* | 475.6522% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3692% | 1,720 |
| Loan loss allowance to noncurrent loans | 124.2204% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.7085% | 732 |
| Noncurrent loans to loans | 1.1022% | 680 |
| Net loans and leases to total assets | 52.1500% | 3,262 |
| Net loans and leases to deposits | 63.6027% | 2,895 |
| Net loans and leases to core deposits | 64.7772% | 3,050 |
| Total domestic deposits to total assets | 81.9900% | 3,844 |
| Equity capital to assets | 17.2029% | 309 |
| Core capital (leverage) ratio | 19.0253% | 273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $475,146,750 | 1,800 |
| Average earning assets | $463,608,500 | 1,731 |
| Average equity | $86,979,750 | 1,075 |
| Average total loans | $246,636,000 | 1,960 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4284% | 2,350 |
| Cost of funding earning assets | 0.2687% | 2,043 |
| Net interest margin | 3.1597% | 2,330 |
| Noninterest income to average assets | 0.2535% | 3,649 |
| Noninterest expense to average assets | 1.8446% | 3,849 |
| Loan and lease loss provision to assets | 0.0631% | 1,468 |
| Net operating income to assets | 1.1787% | 1,504 |
| Return on assets (ROA) | -0.4834% | 4,664 |
| Pretax return on assets | -0.6730% | 4,674 |
| Return on Equity (ROE) | -2.5891% | 4,630 |
| Retained earnings to average equity (ytd only) | -7.5152% | 4,609 |
| Net charge-offs to loans | 0.1076% | 558 |
| Credit loss provision to net charge-offs | 113.6364% | 1,205 |
| Earnings coverage of net charge-offs (x) | 26.9242% | 1,436 |
| Efficiency ratio | 55.2506% | 3,851 |
| Assets per employee ($millions) | 5.7014% | 3,025 |
| Cash dividends to net income (ytd only)* | -190.2609% | 4,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 1,857 |
| Loan loss allowance to noncurrent loans | 107.8730% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 0.7750% | 673 |
| Noncurrent loans to loans | 1.2756% | 621 |
| Net loans and leases to total assets | 50.2531% | 3,346 |
| Net loans and leases to deposits | 61.7669% | 2,903 |
| Net loans and leases to core deposits | 63.1039% | 3,027 |
| Total domestic deposits to total assets | 81.3592% | 4,084 |
| Equity capital to assets | 17.2025% | 266 |
| Core capital (leverage) ratio | 18.3679% | 256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $475,768,667 | 1,806 |
| Average earning assets | $464,535,333 | 1,736 |
| Average equity | $88,833,667 | 1,065 |
| Average total loans | $245,439,333 | 1,960 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3753% | 2,163 |
| Cost of funding earning assets | 0.2711% | 1,918 |
| Net interest margin | 3.1042% | 2,166 |
| Noninterest income to average assets | 0.2537% | 3,623 |
| Noninterest expense to average assets | 1.8118% | 3,910 |
| Loan and lease loss provision to assets | 0.0636% | 1,272 |
| Net operating income to assets | 1.1726% | 1,321 |
| Return on assets (ROA) | 0.9310% | 2,144 |
| Pretax return on assets | 1.1185% | 2,083 |
| Return on Equity (ROE) | 4.7921% | 3,674 |
| Retained earnings to average equity (ytd only) | 4.7921% | 2,670 |
| Net charge-offs to loans | 0.1079% | 494 |
| Credit loss provision to net charge-offs | 113.6364% | 951 |
| Earnings coverage of net charge-offs (x) | 26.3030% | 1,190 |
| Efficiency ratio | 55.1537% | 3,955 |
| Assets per employee ($millions) | 5.7124% | 3,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 1,966 |
| Loan loss allowance to noncurrent loans | 102.5416% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 0.8055% | 687 |
| Noncurrent loans to loans | 1.3514% | 644 |
| Net loans and leases to total assets | 50.2618% | 3,149 |
| Net loans and leases to deposits | 63.0114% | 2,625 |
| Net loans and leases to core deposits | 64.4609% | 2,758 |
| Total domestic deposits to total assets | 79.7661% | 4,299 |
| Equity capital to assets | 18.8224% | 200 |
| Core capital (leverage) ratio | 19.8240% | 174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $471,342,500 | 1,824 |
| Average earning assets | $460,281,000 | 1,756 |
| Average equity | $91,567,000 | 1,071 |
| Average total loans | $244,691,500 | 1,963 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5664% | 2,474 |
| Cost of funding earning assets | 0.3120% | 2,274 |
| Net interest margin | 3.2544% | 2,451 |
| Noninterest income to average assets | 0.2755% | 3,745 |
| Noninterest expense to average assets | 2.0087% | 3,651 |
| Loan and lease loss provision to assets | 0.0443% | 2,170 |
| Net operating income to assets | 1.1254% | 2,188 |
| Return on assets (ROA) | 2.5703% | 150 |
| Pretax return on assets | 3.2006% | 121 |
| Return on Equity (ROE) | 12.7017% | 1,567 |
| Retained earnings to average equity (ytd only) | 8.1031% | 1,496 |
| Net charge-offs to loans | 0.0773% | 1,023 |
| Credit loss provision to net charge-offs | 107.5269% | 1,725 |
| Earnings coverage of net charge-offs (x) | 34.9032% | 1,511 |
| Efficiency ratio | 58.2669% | 3,404 |
| Assets per employee ($millions) | 5.5100% | 3,247 |
| Cash dividends to net income (ytd only)* | 36.2045% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3806% | 1,999 |
| Loan loss allowance to noncurrent loans | 121.1904% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.7281% | 858 |
| Noncurrent loans to loans | 1.1392% | 848 |
| Net loans and leases to total assets | 52.1639% | 3,042 |
| Net loans and leases to deposits | 67.0454% | 2,400 |
| Net loans and leases to core deposits | 68.9049% | 2,562 |
| Total domestic deposits to total assets | 77.8038% | 4,415 |
| Equity capital to assets | 20.0535% | 179 |
| Core capital (leverage) ratio | 20.0316% | 171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $451,229,200 | 1,835 |
| Average earning assets | $439,798,400 | 1,764 |
| Average equity | $91,310,400 | 1,088 |
| Average total loans | $240,513,400 | 1,989 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5840% | 2,601 |
| Cost of funding earning assets | 0.3139% | 2,465 |
| Net interest margin | 3.2701% | 2,510 |
| Noninterest income to average assets | 0.2760% | 3,771 |
| Noninterest expense to average assets | 1.9146% | 3,908 |
| Loan and lease loss provision to assets | 0.0596% | 1,802 |
| Net operating income to assets | 1.1886% | 2,204 |
| Return on assets (ROA) | 2.8377% | 144 |
| Pretax return on assets | 3.5232% | 120 |
| Return on Equity (ROE) | 13.9907% | 1,394 |
| Retained earnings to average equity (ytd only) | 11.0451% | 1,058 |
| Net charge-offs to loans | 0.0579% | 1,067 |
| Credit loss provision to net charge-offs | 192.3077% | 1,224 |
| Earnings coverage of net charge-offs (x) | 50.0096% | 1,240 |
| Efficiency ratio | 55.3140% | 3,616 |
| Assets per employee ($millions) | 5.5231% | 3,173 |
| Cash dividends to net income (ytd only)* | 21.0543% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 1,933 |
| Loan loss allowance to noncurrent loans | 113.9941% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.8191% | 865 |
| Noncurrent loans to loans | 1.2472% | 885 |
| Net loans and leases to total assets | 51.7405% | 3,215 |
| Net loans and leases to deposits | 66.1813% | 2,614 |
| Net loans and leases to core deposits | 67.9435% | 2,780 |
| Total domestic deposits to total assets | 78.1799% | 4,406 |
| Equity capital to assets | 20.0360% | 189 |
| Core capital (leverage) ratio | 20.2004% | 174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $448,326,250 | 1,862 |
| Average earning assets | $436,713,500 | 1,797 |
| Average equity | $90,934,000 | 1,106 |
| Average total loans | $239,437,750 | 2,027 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5900% | 2,658 |
| Cost of funding earning assets | 0.3146% | 2,645 |
| Net interest margin | 3.2754% | 2,533 |
| Noninterest income to average assets | 0.2695% | 3,789 |
| Noninterest expense to average assets | 1.8943% | 3,980 |
| Loan and lease loss provision to assets | 0.0903% | 1,381 |
| Net operating income to assets | 1.1953% | 2,209 |
| Return on assets (ROA) | 3.3819% | 99 |
| Pretax return on assets | 4.2088% | 83 |
| Return on Equity (ROE) | 16.6031% | 838 |
| Retained earnings to average equity (ytd only) | 12.1516% | 883 |
| Net charge-offs to loans | 0.0185% | 1,576 |
| Credit loss provision to net charge-offs | 909.0909% | 497 |
| Earnings coverage of net charge-offs (x) | 157.6818% | 575 |
| Efficiency ratio | 54.7482% | 3,708 |
| Assets per employee ($millions) | 5.5769% | 3,037 |
| Cash dividends to net income (ytd only)* | 26.8117% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 1,677 |
| Loan loss allowance to noncurrent loans | 125.1766% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.7765% | 1,053 |
| Noncurrent loans to loans | 1.1768% | 1,027 |
| Net loans and leases to total assets | 51.8482% | 3,358 |
| Net loans and leases to deposits | 66.6373% | 2,762 |
| Net loans and leases to core deposits | 68.4741% | 2,921 |
| Total domestic deposits to total assets | 77.8066% | 4,451 |
| Equity capital to assets | 19.9504% | 192 |
| Core capital (leverage) ratio | 19.8442% | 187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $443,120,333 | 1,869 |
| Average earning assets | $431,641,000 | 1,810 |
| Average equity | $90,260,000 | 1,105 |
| Average total loans | $238,080,667 | 2,047 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6639% | 2,463 |
| Cost of funding earning assets | 0.3147% | 2,846 |
| Net interest margin | 3.3492% | 2,251 |
| Noninterest income to average assets | 0.2569% | 3,859 |
| Noninterest expense to average assets | 1.9549% | 3,847 |
| Loan and lease loss provision to assets | 0.1376% | 978 |
| Net operating income to assets | 1.1166% | 2,422 |
| Return on assets (ROA) | 6.2547% | 46 |
| Pretax return on assets | 7.8481% | 44 |
| Return on Equity (ROE) | 30.3790% | 134 |
| Retained earnings to average equity (ytd only) | 30.3790% | 75 |
| Net charge-offs to loans | 0.0625% | 907 |
| Credit loss provision to net charge-offs | 405.4054% | 650 |
| Earnings coverage of net charge-offs (x) | 46.0541% | 931 |
| Efficiency ratio | 55.5671% | 3,593 |
| Assets per employee ($millions) | 5.3897% | 3,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4680% | 1,709 |
| Loan loss allowance to noncurrent loans | 119.6766% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.8100% | 1,099 |
| Noncurrent loans to loans | 1.2267% | 1,073 |
| Net loans and leases to total assets | 51.5764% | 3,487 |
| Net loans and leases to deposits | 66.5273% | 2,863 |
| Net loans and leases to core deposits | 68.3837% | 3,030 |
| Total domestic deposits to total assets | 77.5266% | 4,477 |
| Equity capital to assets | 20.4848% | 165 |
| Core capital (leverage) ratio | 21.6658% | 140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $436,026,500 | 1,879 |
| Average earning assets | $424,574,000 | 1,824 |
| Average equity | $89,772,500 | 1,101 |
| Average total loans | $236,795,500 | 2,054 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1453% | 2,298 |
| Cost of funding earning assets | 0.4536% | 3,259 |
| Net interest margin | 3.6917% | 1,829 |
| Noninterest income to average assets | 0.2836% | 3,791 |
| Noninterest expense to average assets | 2.2534% | 3,533 |
| Loan and lease loss provision to assets | 0.1497% | 2,500 |
| Net operating income to assets | 1.2153% | 1,499 |
| Return on assets (ROA) | -0.1142% | 4,813 |
| Pretax return on assets | -0.2175% | 4,826 |
| Return on Equity (ROE) | -0.5378% | 4,801 |
| Retained earnings to average equity (ytd only) | -5.2731% | 4,837 |
| Net charge-offs to loans | 0.1941% | 883 |
| Credit loss provision to net charge-offs | 130.4348% | 2,551 |
| Earnings coverage of net charge-offs (x) | 14.0761% | 2,239 |
| Efficiency ratio | 58.2500% | 3,689 |
| Assets per employee ($millions) | 4.9919% | 3,401 |
| Cash dividends to net income (ytd only)* | -880.5677% | 4,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4226% | 1,878 |
| Loan loss allowance to noncurrent loans | 75.7596% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 1.2544% | 658 |
| Noncurrent loans to loans | 1.8778% | 643 |
| Net loans and leases to total assets | 55.6240% | 3,335 |
| Net loans and leases to deposits | 72.2352% | 2,659 |
| Net loans and leases to core deposits | 74.4392% | 2,871 |
| Total domestic deposits to total assets | 77.0040% | 4,412 |
| Equity capital to assets | 20.7010% | 171 |
| Core capital (leverage) ratio | 20.8474% | 158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $400,906,000 | 1,864 |
| Average earning assets | $389,306,000 | 1,798 |
| Average equity | $85,167,600 | 1,093 |
| Average total loans | $236,981,200 | 1,987 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2138% | 2,360 |
| Cost of funding earning assets | 0.4854% | 3,323 |
| Net interest margin | 3.7284% | 1,846 |
| Noninterest income to average assets | 0.2755% | 3,826 |
| Noninterest expense to average assets | 2.1670% | 3,757 |
| Loan and lease loss provision to assets | 0.1514% | 2,504 |
| Net operating income to assets | 1.3603% | 1,201 |
| Return on assets (ROA) | -2.1084% | 4,990 |
| Pretax return on assets | -2.8156% | 5,000 |
| Return on Equity (ROE) | -9.8583% | 4,965 |
| Retained earnings to average equity (ytd only) | -13.0406% | 4,957 |
| Net charge-offs to loans | 0.1805% | 827 |
| Credit loss provision to net charge-offs | 140.1869% | 2,381 |
| Earnings coverage of net charge-offs (x) | 15.9875% | 2,076 |
| Efficiency ratio | 55.6554% | 3,965 |
| Assets per employee ($millions) | 4.9087% | 3,365 |
| Cash dividends to net income (ytd only)* | -32.2802% | 5,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 1,645 |
| Loan loss allowance to noncurrent loans | 89.8982% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 1.0683% | 1,006 |
| Noncurrent loans to loans | 1.5813% | 898 |
| Net loans and leases to total assets | 56.4232% | 3,584 |
| Net loans and leases to deposits | 72.1611% | 3,118 |
| Net loans and leases to core deposits | 74.3589% | 3,293 |
| Total domestic deposits to total assets | 78.1906% | 4,168 |
| Equity capital to assets | 20.2039% | 202 |
| Core capital (leverage) ratio | 20.1456% | 192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $396,303,250 | 1,856 |
| Average earning assets | $384,572,000 | 1,797 |
| Average equity | $84,758,750 | 1,092 |
| Average total loans | $237,074,750 | 1,986 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3450% | 2,351 |
| Cost of funding earning assets | 0.5137% | 3,450 |
| Net interest margin | 3.8313% | 1,738 |
| Noninterest income to average assets | 0.2839% | 3,763 |
| Noninterest expense to average assets | 2.1537% | 3,921 |
| Loan and lease loss provision to assets | 0.1535% | 2,468 |
| Net operating income to assets | 1.5027% | 922 |
| Return on assets (ROA) | -3.5594% | 5,035 |
| Pretax return on assets | -4.7151% | 5,045 |
| Return on Equity (ROE) | -16.3252% | 5,023 |
| Retained earnings to average equity (ytd only) | -21.0716% | 5,009 |
| Net charge-offs to loans | 0.1811% | 832 |
| Credit loss provision to net charge-offs | 139.5349% | 2,177 |
| Earnings coverage of net charge-offs (x) | 16.7860% | 1,844 |
| Efficiency ratio | 53.8432% | 4,197 |
| Assets per employee ($millions) | 4.6896% | 3,542 |
| Cash dividends to net income (ytd only)* | -29.0744% | 5,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4020% | 1,576 |
| Loan loss allowance to noncurrent loans | 90.5387% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 1.0575% | 1,098 |
| Noncurrent loans to loans | 1.5485% | 969 |
| Net loans and leases to total assets | 57.7346% | 3,540 |
| Net loans and leases to deposits | 74.7396% | 3,005 |
| Net loans and leases to core deposits | 77.1826% | 3,180 |
| Total domestic deposits to total assets | 77.2477% | 4,291 |
| Equity capital to assets | 20.5721% | 188 |
| Core capital (leverage) ratio | 20.9259% | 178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $390,960,333 | 1,844 |
| Average earning assets | $379,195,667 | 1,786 |
| Average equity | $85,242,667 | 1,087 |
| Average total loans | $237,431,000 | 1,969 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4527% | 2,438 |
| Cost of funding earning assets | 0.5449% | 3,720 |
| Net interest margin | 3.9078% | 1,657 |
| Noninterest income to average assets | 0.3202% | 3,603 |
| Noninterest expense to average assets | 2.1893% | 4,032 |
| Loan and lease loss provision to assets | 0.1559% | 1,839 |
| Net operating income to assets | 1.6596% | 551 |
| Return on assets (ROA) | -8.7955% | 5,101 |
| Pretax return on assets | -11.4724% | 5,107 |
| Return on Equity (ROE) | -39.1806% | 5,093 |
| Retained earnings to average equity (ytd only) | -39.1806% | 5,069 |
| Net charge-offs to loans | 0.1983% | 692 |
| Credit loss provision to net charge-offs | 127.1186% | 1,682 |
| Earnings coverage of net charge-offs (x) | 15.6356% | 1,554 |
| Efficiency ratio | 53.3030% | 4,449 |
| Assets per employee ($millions) | 4.3269% | 3,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3699% | 1,809 |
| Loan loss allowance to noncurrent loans | 83.2354% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 1.1705% | 1,075 |
| Noncurrent loans to loans | 1.6459% | 934 |
| Net loans and leases to total assets | 61.5842% | 3,339 |
| Net loans and leases to deposits | 80.3106% | 2,647 |
| Net loans and leases to core deposits | 82.8865% | 2,944 |
| Total domestic deposits to total assets | 76.6825% | 4,397 |
| Equity capital to assets | 21.5666% | 186 |
| Core capital (leverage) ratio | 21.3030% | 190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $384,786,000 | 1,824 |
| Average earning assets | $372,894,500 | 1,770 |
| Average equity | $86,379,500 | 1,066 |
| Average total loans | $238,066,500 | 1,940 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4772% | 3,021 |
| Cost of funding earning assets | 0.5532% | 3,855 |
| Net interest margin | 3.9240% | 2,096 |
| Noninterest income to average assets | 0.3124% | 3,822 |
| Noninterest expense to average assets | 2.3533% | 3,817 |
| Loan and lease loss provision to assets | 0.2489% | 740 |
| Net operating income to assets | 1.2390% | 1,910 |
| Return on assets (ROA) | 2.2913% | 200 |
| Pretax return on assets | 2.8125% | 123 |
| Return on Equity (ROE) | 10.2857% | 2,163 |
| Retained earnings to average equity (ytd only) | 5.6690% | 2,045 |
| Net charge-offs to loans | 0.5239% | 353 |
| Credit loss provision to net charge-offs | 79.1599% | 2,804 |
| Earnings coverage of net charge-offs (x) | 5.6042% | 3,065 |
| Efficiency ratio | 57.1808% | 4,066 |
| Assets per employee ($millions) | 4.4690% | 3,278 |
| Cash dividends to net income (ytd only)* | 44.8842% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3529% | 1,698 |
| Loan loss allowance to noncurrent loans | 73.0630% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 1.2952% | 856 |
| Noncurrent loans to loans | 1.8516% | 723 |
| Net loans and leases to total assets | 60.4825% | 3,544 |
| Net loans and leases to deposits | 81.9987% | 2,559 |
| Net loans and leases to core deposits | 86.3597% | 2,764 |
| Total domestic deposits to total assets | 73.7602% | 4,782 |
| Equity capital to assets | 23.3126% | 152 |
| Core capital (leverage) ratio | 19.7234% | 248 |
| Tier 1 risk-based capital ratio | 25.9986% | 679 |
| Total risk-based capital ratio | 27.1485% | 669 |
| Memoranda: | ||
| Average total assets | $393,703,000 | 1,757 |
| Average earning assets | $381,575,600 | 1,702 |
| Average equity | $87,704,600 | 1,006 |
| Average total loans | $236,310,200 | 1,914 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4819% | 3,119 |
| Cost of funding earning assets | 0.5513% | 3,920 |
| Net interest margin | 3.9307% | 2,158 |
| Noninterest income to average assets | 0.3008% | 3,935 |
| Noninterest expense to average assets | 2.2539% | 4,062 |
| Loan and lease loss provision to assets | 0.2127% | 815 |
| Net operating income to assets | 1.3455% | 1,657 |
| Return on assets (ROA) | 2.1519% | 307 |
| Pretax return on assets | 2.6259% | 195 |
| Return on Equity (ROE) | 9.7716% | 2,527 |
| Retained earnings to average equity (ytd only) | 6.6672% | 2,027 |
| Net charge-offs to loans | 0.2262% | 784 |
| Credit loss provision to net charge-offs | 157.5000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 13.7375% | 2,272 |
| Efficiency ratio | 54.8517% | 4,296 |
| Assets per employee ($millions) | 4.3652% | 3,390 |
| Cash dividends to net income (ytd only)* | 31.7697% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5682% | 1,066 |
| Loan loss allowance to noncurrent loans | 81.8783% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.3266% | 902 |
| Noncurrent loans to loans | 1.9153% | 729 |
| Net loans and leases to total assets | 60.0027% | 3,671 |
| Net loans and leases to deposits | 80.6006% | 2,841 |
| Net loans and leases to core deposits | 84.8594% | 3,008 |
| Total domestic deposits to total assets | 74.4444% | 4,787 |
| Equity capital to assets | 23.1368% | 159 |
| Core capital (leverage) ratio | 20.5485% | 228 |
| Tier 1 risk-based capital ratio | 27.6314% | 601 |
| Total risk-based capital ratio | 28.8822% | 587 |
| Memoranda: | ||
| Average total assets | $394,927,000 | 1,771 |
| Average earning assets | $382,622,750 | 1,707 |
| Average equity | $86,970,500 | 1,011 |
| Average total loans | $235,791,500 | 1,931 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4882% | 3,051 |
| Cost of funding earning assets | 0.5410% | 3,929 |
| Net interest margin | 3.9472% | 2,105 |
| Noninterest income to average assets | 0.3002% | 3,927 |
| Noninterest expense to average assets | 2.2147% | 4,188 |
| Loan and lease loss provision to assets | 0.2015% | 849 |
| Net operating income to assets | 1.3932% | 1,454 |
| Return on assets (ROA) | 2.2329% | 257 |
| Pretax return on assets | 2.7300% | 172 |
| Return on Equity (ROE) | 10.3095% | 2,247 |
| Retained earnings to average equity (ytd only) | 5.6025% | 2,474 |
| Net charge-offs to loans | 0.2531% | 664 |
| Credit loss provision to net charge-offs | 134.2282% | 1,623 |
| Earnings coverage of net charge-offs (x) | 12.7081% | 2,138 |
| Efficiency ratio | 53.7268% | 4,502 |
| Assets per employee ($millions) | 4.4189% | 3,260 |
| Cash dividends to net income (ytd only)* | 45.6576% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 1,204 |
| Loan loss allowance to noncurrent loans | 99.2802% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 1.0829% | 1,263 |
| Noncurrent loans to loans | 1.5341% | 1,003 |
| Net loans and leases to total assets | 58.9559% | 3,828 |
| Net loans and leases to deposits | 79.9865% | 2,956 |
| Net loans and leases to core deposits | 83.7384% | 3,129 |
| Total domestic deposits to total assets | 73.7073% | 4,854 |
| Equity capital to assets | 22.2717% | 172 |
| Core capital (leverage) ratio | 19.7621% | 245 |
| Tier 1 risk-based capital ratio | 27.0266% | 621 |
| Total risk-based capital ratio | 28.3041% | 601 |
| Memoranda: | ||
| Average total assets | $397,067,330 | 1,768 |
| Average earning assets | $384,474,000 | 1,708 |
| Average equity | $85,998,000 | 1,016 |
| Average total loans | $235,446,000 | 1,939 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4793% | 2,943 |
| Cost of funding earning assets | 0.5185% | 3,982 |
| Net interest margin | 3.9608% | 1,984 |
| Noninterest income to average assets | 0.3048% | 3,839 |
| Noninterest expense to average assets | 2.0945% | 4,470 |
| Loan and lease loss provision to assets | 0.2105% | 745 |
| Net operating income to assets | 1.4903% | 1,135 |
| Return on assets (ROA) | 2.7231% | 121 |
| Pretax return on assets | 3.3587% | 97 |
| Return on Equity (ROE) | 12.7509% | 1,301 |
| Retained earnings to average equity (ytd only) | 12.7509% | 500 |
| Net charge-offs to loans | 0.1648% | 825 |
| Credit loss provision to net charge-offs | 216.4948% | 1,003 |
| Earnings coverage of net charge-offs (x) | 21.0515% | 1,537 |
| Efficiency ratio | 50.5689% | 4,785 |
| Assets per employee ($millions) | 4.5860% | 3,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5303% | 1,241 |
| Loan loss allowance to noncurrent loans | 97.0326% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 1.0384% | 1,338 |
| Noncurrent loans to loans | 1.5771% | 1,007 |
| Net loans and leases to total assets | 58.0131% | 3,888 |
| Net loans and leases to deposits | 77.1882% | 3,146 |
| Net loans and leases to core deposits | 80.4635% | 3,320 |
| Total domestic deposits to total assets | 75.1580% | 4,843 |
| Equity capital to assets | 21.8634% | 179 |
| Core capital (leverage) ratio | 19.7836% | 241 |
| Tier 1 risk-based capital ratio | 26.9513% | 622 |
| Total risk-based capital ratio | 28.2237% | 609 |
| Memoranda: | ||
| Average total assets | $398,959,000 | 1,773 |
| Average earning assets | $386,492,000 | 1,703 |
| Average equity | $85,201,500 | 1,016 |
| Average total loans | $235,444,000 | 1,956 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3520% | 2,921 |
| Cost of funding earning assets | 0.4154% | 3,894 |
| Net interest margin | 3.9366% | 2,202 |
| Noninterest income to average assets | 0.2999% | 4,100 |
| Noninterest expense to average assets | 2.2897% | 4,148 |
| Loan and lease loss provision to assets | 0.2022% | 932 |
| Net operating income to assets | 1.5644% | 962 |
| Return on assets (ROA) | 0.3938% | 4,869 |
| Pretax return on assets | 0.4092% | 4,924 |
| Return on Equity (ROE) | 1.8856% | 5,062 |
| Retained earnings to average equity (ytd only) | -2.7811% | 5,172 |
| Net charge-offs to loans | 0.3557% | 534 |
| Credit loss provision to net charge-offs | 101.3269% | 2,485 |
| Earnings coverage of net charge-offs (x) | 9.1749% | 2,832 |
| Efficiency ratio | 55.5698% | 4,464 |
| Assets per employee ($millions) | 4.5855% | 3,040 |
| Cash dividends to net income (ytd only)* | 247.4939% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4773% | 1,363 |
| Loan loss allowance to noncurrent loans | 79.4165% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 1.3087% | 970 |
| Noncurrent loans to loans | 1.8602% | 747 |
| Net loans and leases to total assets | 58.2412% | 3,939 |
| Net loans and leases to deposits | 76.4700% | 3,321 |
| Net loans and leases to core deposits | 80.0925% | 3,422 |
| Total domestic deposits to total assets | 76.1621% | 4,737 |
| Equity capital to assets | 20.8485% | 194 |
| Core capital (leverage) ratio | 18.7798% | 272 |
| Tier 1 risk-based capital ratio | 26.1467% | 657 |
| Total risk-based capital ratio | 27.3765% | 651 |
| Memoranda: | ||
| Average total assets | $415,461,200 | 1,649 |
| Average earning assets | $403,217,200 | 1,575 |
| Average equity | $86,764,000 | 962 |
| Average total loans | $233,054,600 | 1,926 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3197% | 2,891 |
| Cost of funding earning assets | 0.3934% | 3,910 |
| Net interest margin | 3.9263% | 2,211 |
| Noninterest income to average assets | 0.2923% | 4,195 |
| Noninterest expense to average assets | 2.1649% | 4,401 |
| Loan and lease loss provision to assets | 0.2002% | 871 |
| Net operating income to assets | 1.4592% | 1,301 |
| Return on assets (ROA) | 1.4677% | 1,285 |
| Pretax return on assets | 1.7496% | 1,145 |
| Return on Equity (ROE) | 7.0253% | 3,921 |
| Retained earnings to average equity (ytd only) | 3.9454% | 3,802 |
| Net charge-offs to loans | 0.3523% | 462 |
| Credit loss provision to net charge-offs | 102.6059% | 2,222 |
| Earnings coverage of net charge-offs (x) | 9.9413% | 2,612 |
| Efficiency ratio | 52.7444% | 4,733 |
| Assets per employee ($millions) | 4.7048% | 2,844 |
| Cash dividends to net income (ytd only)* | 43.8406% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4870% | 1,389 |
| Loan loss allowance to noncurrent loans | 80.3962% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.2479% | 1,113 |
| Noncurrent loans to loans | 1.8496% | 825 |
| Net loans and leases to total assets | 56.4871% | 4,172 |
| Net loans and leases to deposits | 73.8240% | 3,607 |
| Net loans and leases to core deposits | 77.4500% | 3,698 |
| Total domestic deposits to total assets | 76.5159% | 4,725 |
| Equity capital to assets | 21.5015% | 178 |
| Core capital (leverage) ratio | 18.9786% | 271 |
| Tier 1 risk-based capital ratio | 25.7525% | 695 |
| Total risk-based capital ratio | 26.9317% | 685 |
| Memoranda: | ||
| Average total assets | $419,592,500 | 1,630 |
| Average earning assets | $407,395,000 | 1,572 |
| Average equity | $87,662,000 | 953 |
| Average total loans | $232,361,000 | 1,933 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2829% | 2,824 |
| Cost of funding earning assets | 0.3772% | 3,893 |
| Net interest margin | 3.9057% | 2,183 |
| Noninterest income to average assets | 0.2936% | 4,216 |
| Noninterest expense to average assets | 2.1413% | 4,507 |
| Loan and lease loss provision to assets | 0.1986% | 867 |
| Net operating income to assets | 1.4713% | 1,224 |
| Return on assets (ROA) | 1.5503% | 1,040 |
| Pretax return on assets | 1.8368% | 894 |
| Return on Equity (ROE) | 7.4909% | 3,729 |
| Retained earnings to average equity (ytd only) | 2.8648% | 4,106 |
| Net charge-offs to loans | 0.3981% | 394 |
| Credit loss provision to net charge-offs | 91.1063% | 2,145 |
| Earnings coverage of net charge-offs (x) | 8.9067% | 2,434 |
| Efficiency ratio | 52.4493% | 4,843 |
| Assets per employee ($millions) | 4.8416% | 2,627 |
| Cash dividends to net income (ytd only)* | 61.7566% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4739% | 1,474 |
| Loan loss allowance to noncurrent loans | 81.9289% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 1.1265% | 1,301 |
| Noncurrent loans to loans | 1.7991% | 865 |
| Net loans and leases to total assets | 54.4636% | 4,297 |
| Net loans and leases to deposits | 70.8478% | 3,792 |
| Net loans and leases to core deposits | 74.1966% | 3,869 |
| Total domestic deposits to total assets | 76.8740% | 4,750 |
| Equity capital to assets | 20.6985% | 197 |
| Core capital (leverage) ratio | 21.2186% | 184 |
| Tier 1 risk-based capital ratio | 25.9512% | 676 |
| Total risk-based capital ratio | 26.9461% | 670 |
| Memoranda: | ||
| Average total assets | $423,018,330 | 1,629 |
| Average earning assets | $410,379,000 | 1,571 |
| Average equity | $87,546,330 | 956 |
| Average total loans | $231,581,330 | 1,947 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2725% | 2,627 |
| Cost of funding earning assets | 0.3678% | 3,847 |
| Net interest margin | 3.9047% | 2,028 |
| Noninterest income to average assets | 0.3029% | 4,135 |
| Noninterest expense to average assets | 2.0825% | 4,694 |
| Loan and lease loss provision to assets | 0.1982% | 842 |
| Net operating income to assets | 1.4674% | 1,156 |
| Return on assets (ROA) | 1.3635% | 1,455 |
| Pretax return on assets | 1.6805% | 1,169 |
| Return on Equity (ROE) | 6.5887% | 3,950 |
| Retained earnings to average equity (ytd only) | 6.5887% | 2,458 |
| Net charge-offs to loans | 0.4330% | 359 |
| Credit loss provision to net charge-offs | 84.0000% | 1,706 |
| Earnings coverage of net charge-offs (x) | 8.5080% | 2,028 |
| Efficiency ratio | 50.9229% | 5,027 |
| Assets per employee ($millions) | 4.8559% | 2,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4905% | 1,493 |
| Loan loss allowance to noncurrent loans | 90.1286% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 1.0919% | 1,423 |
| Noncurrent loans to loans | 1.6537% | 1,042 |
| Net loans and leases to total assets | 53.7086% | 4,312 |
| Net loans and leases to deposits | 69.7857% | 3,806 |
| Net loans and leases to core deposits | 73.0672% | 3,879 |
| Total domestic deposits to total assets | 76.9623% | 4,858 |
| Equity capital to assets | 20.7736% | 191 |
| Core capital (leverage) ratio | 20.2384% | 204 |
| Tier 1 risk-based capital ratio | 25.8244% | 699 |
| Total risk-based capital ratio | 26.8106% | 703 |
| Memoranda: | ||
| Average total assets | $423,916,000 | 1,638 |
| Average earning assets | $411,097,000 | 1,578 |
| Average equity | $87,726,000 | 956 |
| Average total loans | $230,949,500 | 1,958 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1188% | 2,987 |
| Cost of funding earning assets | 0.3825% | 3,410 |
| Net interest margin | 3.7363% | 2,650 |
| Noninterest income to average assets | 0.2890% | 4,396 |
| Noninterest expense to average assets | 2.0785% | 4,814 |
| Loan and lease loss provision to assets | 0.3390% | 482 |
| Net operating income to assets | 1.5528% | 717 |
| Return on assets (ROA) | 1.9896% | 291 |
| Pretax return on assets | 1.9352% | 566 |
| Return on Equity (ROE) | 10.4511% | 1,694 |
| Retained earnings to average equity (ytd only) | 5.6434% | 1,741 |
| Net charge-offs to loans | 0.3707% | 685 |
| Credit loss provision to net charge-offs | 179.2115% | 1,511 |
| Earnings coverage of net charge-offs (x) | 9.7133% | 2,758 |
| Efficiency ratio | 53.0790% | 5,026 |
| Assets per employee ($millions) | 4.8893% | 2,614 |
| Cash dividends to net income (ytd only)* | 46.0018% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 1,414 |
| Loan loss allowance to noncurrent loans | 76.4473% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 1.2521% | 1,164 |
| Noncurrent loans to loans | 1.9618% | 786 |
| Net loans and leases to total assets | 53.6226% | 4,391 |
| Net loans and leases to deposits | 70.0265% | 3,874 |
| Net loans and leases to core deposits | 73.6606% | 3,902 |
| Total domestic deposits to total assets | 76.5747% | 4,910 |
| Equity capital to assets | 20.6153% | 189 |
| Core capital (leverage) ratio | 16.4805% | 421 |
| Tier 1 risk-based capital ratio | 22.8319% | 930 |
| Total risk-based capital ratio | 26.7259% | 681 |
| Memoranda: | ||
| Average total assets | $442,492,000 | 1,569 |
| Average earning assets | $429,513,200 | 1,503 |
| Average equity | $84,239,600 | 965 |
| Average total loans | $225,783,400 | 1,961 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0541% | 3,158 |
| Cost of funding earning assets | 0.3857% | 3,327 |
| Net interest margin | 3.6684% | 2,873 |
| Noninterest income to average assets | 0.3065% | 4,336 |
| Noninterest expense to average assets | 1.9637% | 5,026 |
| Loan and lease loss provision to assets | 0.3850% | 364 |
| Net operating income to assets | 1.1163% | 2,011 |
| Return on assets (ROA) | 1.2800% | 1,431 |
| Pretax return on assets | 1.7413% | 1,020 |
| Return on Equity (ROE) | 6.8587% | 3,745 |
| Retained earnings to average equity (ytd only) | 3.6204% | 3,767 |
| Net charge-offs to loans | 0.3370% | 623 |
| Credit loss provision to net charge-offs | 227.5132% | 1,223 |
| Earnings coverage of net charge-offs (x) | 11.2593% | 2,515 |
| Efficiency ratio | 50.7559% | 5,192 |
| Assets per employee ($millions) | 4.9523% | 2,511 |
| Cash dividends to net income (ytd only)* | 47.2138% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5345% | 1,406 |
| Loan loss allowance to noncurrent loans | 84.7852% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 1.0927% | 1,523 |
| Noncurrent loans to loans | 1.8099% | 987 |
| Net loans and leases to total assets | 52.6178% | 4,529 |
| Net loans and leases to deposits | 68.0843% | 4,107 |
| Net loans and leases to core deposits | 71.6473% | 4,153 |
| Total domestic deposits to total assets | 77.2834% | 4,835 |
| Equity capital to assets | 19.7237% | 235 |
| Core capital (leverage) ratio | 16.5727% | 418 |
| Tier 1 risk-based capital ratio | 22.2469% | 1,023 |
| Total risk-based capital ratio | 26.0276% | 760 |
| Memoranda: | ||
| Average total assets | $446,771,750 | 1,563 |
| Average earning assets | $433,855,000 | 1,501 |
| Average equity | $83,376,500 | 978 |
| Average total loans | $224,337,000 | 1,975 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0258% | 3,113 |
| Cost of funding earning assets | 0.3871% | 3,210 |
| Net interest margin | 3.6386% | 2,885 |
| Noninterest income to average assets | 0.2792% | 4,556 |
| Noninterest expense to average assets | 1.9541% | 5,073 |
| Loan and lease loss provision to assets | 0.4778% | 249 |
| Net operating income to assets | 1.0127% | 2,366 |
| Return on assets (ROA) | 1.2498% | 1,466 |
| Pretax return on assets | 1.7063% | 1,042 |
| Return on Equity (ROE) | 6.8202% | 3,654 |
| Retained earnings to average equity (ytd only) | 1.9314% | 4,480 |
| Net charge-offs to loans | 0.3930% | 522 |
| Credit loss provision to net charge-offs | 247.1396% | 1,091 |
| Earnings coverage of net charge-offs (x) | 9.6178% | 2,418 |
| Efficiency ratio | 51.2413% | 5,227 |
| Assets per employee ($millions) | 5.1417% | 2,222 |
| Cash dividends to net income (ytd only)* | 71.6814% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5324% | 1,465 |
| Loan loss allowance to noncurrent loans | 80.8755% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 1.1167% | 1,557 |
| Noncurrent loans to loans | 1.8948% | 920 |
| Net loans and leases to total assets | 50.2069% | 4,695 |
| Net loans and leases to deposits | 64.4499% | 4,344 |
| Net loans and leases to core deposits | 68.2283% | 4,335 |
| Total domestic deposits to total assets | 77.9007% | 4,831 |
| Equity capital to assets | 18.7598% | 277 |
| Core capital (leverage) ratio | 16.6324% | 404 |
| Tier 1 risk-based capital ratio | 21.9952% | 1,053 |
| Total risk-based capital ratio | 25.6119% | 793 |
| Memoranda: | ||
| Average total assets | $452,078,330 | 1,556 |
| Average earning assets | $439,122,330 | 1,486 |
| Average equity | $82,842,000 | 986 |
| Average total loans | $222,370,000 | 1,991 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9984% | 3,046 |
| Cost of funding earning assets | 0.3891% | 3,105 |
| Net interest margin | 3.6093% | 2,857 |
| Noninterest income to average assets | 0.2678% | 4,629 |
| Noninterest expense to average assets | 1.8756% | 5,264 |
| Loan and lease loss provision to assets | 0.1838% | 934 |
| Net operating income to assets | 1.2551% | 1,363 |
| Return on assets (ROA) | 1.2551% | 1,394 |
| Pretax return on assets | 1.7155% | 975 |
| Return on Equity (ROE) | 6.9287% | 3,432 |
| Retained earnings to average equity (ytd only) | 6.9287% | 1,875 |
| Net charge-offs to loans | 0.2319% | 777 |
| Credit loss provision to net charge-offs | 164.0625% | 1,149 |
| Earnings coverage of net charge-offs (x) | 16.9531% | 1,619 |
| Efficiency ratio | 49.6870% | 5,394 |
| Assets per employee ($millions) | 5.2824% | 2,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3078% | 2,502 |
| Loan loss allowance to noncurrent loans | 51.9203% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 1.3921% | 1,203 |
| Noncurrent loans to loans | 2.5189% | 620 |
| Net loans and leases to total assets | 48.0561% | 4,818 |
| Net loans and leases to deposits | 60.9520% | 4,500 |
| Net loans and leases to core deposits | 64.7615% | 4,499 |
| Total domestic deposits to total assets | 78.8425% | 4,855 |
| Equity capital to assets | 18.3098% | 287 |
| Core capital (leverage) ratio | 16.4292% | 412 |
| Tier 1 risk-based capital ratio | 21.9732% | 1,090 |
| Total risk-based capital ratio | 25.4190% | 832 |
| Memoranda: | ||
| Average total assets | $457,022,500 | 1,545 |
| Average earning assets | $444,073,500 | 1,470 |
| Average equity | $82,786,000 | 984 |
| Average total loans | $220,822,500 | 2,018 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0157% | 3,137 |
| Cost of funding earning assets | 0.3996% | 3,004 |
| Net interest margin | 3.6160% | 3,017 |
| Noninterest income to average assets | 0.3096% | 4,521 |
| Noninterest expense to average assets | 2.0557% | 5,086 |
| Loan and lease loss provision to assets | 0.2135% | 1,053 |
| Net operating income to assets | 1.1331% | 1,757 |
| Return on assets (ROA) | 1.3870% | 1,071 |
| Pretax return on assets | 1.8994% | 622 |
| Return on Equity (ROE) | 7.7469% | 3,084 |
| Retained earnings to average equity (ytd only) | 2.6568% | 4,011 |
| Net charge-offs to loans | 0.4075% | 652 |
| Credit loss provision to net charge-offs | 108.4475% | 2,420 |
| Earnings coverage of net charge-offs (x) | 8.9669% | 2,809 |
| Efficiency ratio | 53.8050% | 5,257 |
| Assets per employee ($millions) | 5.3460% | 2,006 |
| Cash dividends to net income (ytd only)* | 65.7055% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 2,675 |
| Loan loss allowance to noncurrent loans | 42.3089% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 1.7279% | 886 |
| Noncurrent loans to loans | 3.0140% | 450 |
| Net loans and leases to total assets | 47.3354% | 4,937 |
| Net loans and leases to deposits | 60.0573% | 4,662 |
| Net loans and leases to core deposits | 63.7575% | 4,650 |
| Total domestic deposits to total assets | 78.8171% | 4,833 |
| Equity capital to assets | 17.9210% | 307 |
| Core capital (leverage) ratio | 16.2528% | 433 |
| Tier 1 risk-based capital ratio | 21.5294% | 1,136 |
| Total risk-based capital ratio | 25.1201% | 860 |
| Memoranda: | ||
| Average total assets | $445,046,200 | 1,525 |
| Average earning assets | $432,130,600 | 1,465 |
| Average equity | $79,683,000 | 992 |
| Average total loans | $214,954,200 | 2,010 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0465% | 3,051 |
| Cost of funding earning assets | 0.4014% | 3,011 |
| Net interest margin | 3.6450% | 2,914 |
| Noninterest income to average assets | 0.2960% | 4,648 |
| Noninterest expense to average assets | 1.9944% | 5,217 |
| Loan and lease loss provision to assets | 0.1903% | 1,143 |
| Net operating income to assets | 1.2050% | 1,627 |
| Return on assets (ROA) | 1.4050% | 1,111 |
| Pretax return on assets | 1.9240% | 667 |
| Return on Equity (ROE) | 7.8490% | 3,084 |
| Retained earnings to average equity (ytd only) | 4.4266% | 3,181 |
| Net charge-offs to loans | 0.3265% | 708 |
| Credit loss provision to net charge-offs | 120.4589% | 2,083 |
| Earnings coverage of net charge-offs (x) | 11.6481% | 2,464 |
| Efficiency ratio | 52.0088% | 5,386 |
| Assets per employee ($millions) | 5.1356% | 2,210 |
| Cash dividends to net income (ytd only)* | 43.6035% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2980% | 2,702 |
| Loan loss allowance to noncurrent loans | 43.3054% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 1.6419% | 1,055 |
| Noncurrent loans to loans | 2.9972% | 500 |
| Net loans and leases to total assets | 48.3876% | 4,936 |
| Net loans and leases to deposits | 61.0666% | 4,682 |
| Net loans and leases to core deposits | 64.9215% | 4,675 |
| Total domestic deposits to total assets | 79.2374% | 4,666 |
| Equity capital to assets | 18.1034% | 338 |
| Core capital (leverage) ratio | 16.5760% | 405 |
| Tier 1 risk-based capital ratio | 22.4069% | 1,076 |
| Total risk-based capital ratio | 25.1228% | 895 |
| Memoranda: | ||
| Average total assets | $441,368,500 | 1,538 |
| Average earning assets | $428,479,500 | 1,477 |
| Average equity | $79,005,500 | 1,006 |
| Average total loans | $213,583,000 | 2,023 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0630% | 3,013 |
| Cost of funding earning assets | 0.4017% | 3,024 |
| Net interest margin | 3.6614% | 2,854 |
| Noninterest income to average assets | 0.3030% | 4,625 |
| Noninterest expense to average assets | 1.9924% | 5,287 |
| Loan and lease loss provision to assets | 0.1911% | 1,134 |
| Net operating income to assets | 1.2202% | 1,533 |
| Return on assets (ROA) | 1.4510% | 1,021 |
| Pretax return on assets | 1.9902% | 578 |
| Return on Equity (ROE) | 8.1374% | 2,921 |
| Retained earnings to average equity (ytd only) | 2.9625% | 4,030 |
| Net charge-offs to loans | 0.3778% | 611 |
| Credit loss provision to net charge-offs | 105.0000% | 2,030 |
| Earnings coverage of net charge-offs (x) | 10.2475% | 2,346 |
| Efficiency ratio | 51.6513% | 5,464 |
| Assets per employee ($millions) | 5.0710% | 2,233 |
| Cash dividends to net income (ytd only)* | 63.5936% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2837% | 2,884 |
| Loan loss allowance to noncurrent loans | 47.5000% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 1.4264% | 1,364 |
| Noncurrent loans to loans | 2.7026% | 600 |
| Net loans and leases to total assets | 48.0200% | 4,993 |
| Net loans and leases to deposits | 60.6778% | 4,756 |
| Net loans and leases to core deposits | 64.5576% | 4,704 |
| Total domestic deposits to total assets | 79.1392% | 4,744 |
| Equity capital to assets | 17.7917% | 357 |
| Core capital (leverage) ratio | 16.2055% | 440 |
| Tier 1 risk-based capital ratio | 22.2090% | 1,113 |
| Total risk-based capital ratio | 24.6402% | 955 |
| Memoranda: | ||
| Average total assets | $439,560,000 | 1,546 |
| Average earning assets | $426,727,670 | 1,488 |
| Average equity | $78,379,000 | 1,014 |
| Average total loans | $211,765,330 | 2,038 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0494% | 3,037 |
| Cost of funding earning assets | 0.4031% | 3,033 |
| Net interest margin | 3.6463% | 2,902 |
| Noninterest income to average assets | 0.3182% | 4,450 |
| Noninterest expense to average assets | 1.9537% | 5,422 |
| Loan and lease loss provision to assets | 0.1915% | 1,032 |
| Net operating income to assets | 1.2581% | 1,386 |
| Return on assets (ROA) | 1.2581% | 1,478 |
| Pretax return on assets | 1.7112% | 1,047 |
| Return on Equity (ROE) | 7.0478% | 3,426 |
| Retained earnings to average equity (ytd only) | 7.0478% | 1,862 |
| Net charge-offs to loans | 0.3613% | 613 |
| Credit loss provision to net charge-offs | 110.5263% | 1,516 |
| Earnings coverage of net charge-offs (x) | 10.9842% | 1,892 |
| Efficiency ratio | 50.6619% | 5,585 |
| Assets per employee ($millions) | 5.1147% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 2,857 |
| Loan loss allowance to noncurrent loans | 45.8493% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 1.4911% | 1,371 |
| Noncurrent loans to loans | 2.8548% | 592 |
| Net loans and leases to total assets | 46.6983% | 5,070 |
| Net loans and leases to deposits | 58.6670% | 4,804 |
| Net loans and leases to core deposits | 62.3600% | 4,793 |
| Total domestic deposits to total assets | 79.5990% | 4,835 |
| Equity capital to assets | 17.7758% | 346 |
| Core capital (leverage) ratio | 16.4050% | 429 |
| Tier 1 risk-based capital ratio | 22.2834% | 1,122 |
| Total risk-based capital ratio | 25.0016% | 928 |
| Memoranda: | ||
| Average total assets | $438,751,500 | 1,551 |
| Average earning assets | $425,742,000 | 1,493 |
| Average equity | $78,322,000 | 1,019 |
| Average total loans | $210,344,000 | 2,051 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0311% | 3,192 |
| Cost of funding earning assets | 0.4127% | 3,026 |
| Net interest margin | 3.6184% | 3,064 |
| Noninterest income to average assets | 0.3321% | 4,524 |
| Noninterest expense to average assets | 1.9664% | 5,518 |
| Loan and lease loss provision to assets | 0.2074% | 1,020 |
| Net operating income to assets | 1.2002% | 1,547 |
| Return on assets (ROA) | 1.7957% | 501 |
| Pretax return on assets | 2.4972% | 208 |
| Return on Equity (ROE) | 10.2715% | 1,890 |
| Retained earnings to average equity (ytd only) | 5.0415% | 2,386 |
| Net charge-offs to loans | 0.3662% | 796 |
| Credit loss provision to net charge-offs | 123.3333% | 2,099 |
| Earnings coverage of net charge-offs (x) | 11.1627% | 2,612 |
| Efficiency ratio | 51.1552% | 5,691 |
| Assets per employee ($millions) | 5.0293% | 2,338 |
| Cash dividends to net income (ytd only)* | 50.9179% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 2,887 |
| Loan loss allowance to noncurrent loans | 45.1411% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 1.5918% | 1,243 |
| Noncurrent loans to loans | 2.8844% | 578 |
| Net loans and leases to total assets | 47.9507% | 5,015 |
| Net loans and leases to deposits | 60.7234% | 4,721 |
| Net loans and leases to core deposits | 64.5690% | 4,700 |
| Total domestic deposits to total assets | 78.9659% | 4,984 |
| Equity capital to assets | 17.9286% | 318 |
| Core capital (leverage) ratio | 16.3401% | 427 |
| Tier 1 risk-based capital ratio | 21.6160% | 1,202 |
| Total risk-based capital ratio | 24.5590% | 965 |
| Memoranda: | ||
| Average total assets | $445,892,800 | 1,501 |
| Average earning assets | $432,761,600 | 1,444 |
| Average equity | $77,953,600 | 978 |
| Average total loans | $204,806,000 | 2,031 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0024% | 3,329 |
| Cost of funding earning assets | 0.4149% | 3,065 |
| Net interest margin | 3.5875% | 3,209 |
| Noninterest income to average assets | 0.3250% | 4,615 |
| Noninterest expense to average assets | 1.8318% | 5,736 |
| Loan and lease loss provision to assets | 0.1855% | 1,112 |
| Net operating income to assets | 1.2766% | 1,403 |
| Return on assets (ROA) | 1.9401% | 413 |
| Pretax return on assets | 2.7246% | 164 |
| Return on Equity (ROE) | 11.1661% | 1,640 |
| Retained earnings to average equity (ytd only) | 7.6661% | 1,384 |
| Net charge-offs to loans | 0.3132% | 849 |
| Credit loss provision to net charge-offs | 130.7531% | 1,870 |
| Earnings coverage of net charge-offs (x) | 13.9246% | 2,281 |
| Efficiency ratio | 48.1135% | 5,865 |
| Assets per employee ($millions) | 5.0853% | 2,196 |
| Cash dividends to net income (ytd only)* | 31.3446% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 3,054 |
| Loan loss allowance to noncurrent loans | 42.4984% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 1.6667% | 1,305 |
| Noncurrent loans to loans | 3.0723% | 564 |
| Net loans and leases to total assets | 46.8047% | 5,168 |
| Net loans and leases to deposits | 58.7550% | 4,938 |
| Net loans and leases to core deposits | 62.6415% | 4,890 |
| Total domestic deposits to total assets | 79.6609% | 4,813 |
| Equity capital to assets | 17.8635% | 348 |
| Core capital (leverage) ratio | 16.1853% | 466 |
| Tier 1 risk-based capital ratio | 21.8554% | 1,216 |
| Total risk-based capital ratio | 24.6064% | 1,003 |
| Memoranda: | ||
| Average total assets | $449,235,750 | 1,501 |
| Average earning assets | $436,059,000 | 1,428 |
| Average equity | $78,055,750 | 979 |
| Average total loans | $203,474,250 | 2,057 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9730% | 3,398 |
| Cost of funding earning assets | 0.4146% | 3,105 |
| Net interest margin | 3.5583% | 3,253 |
| Noninterest income to average assets | 0.3257% | 4,619 |
| Noninterest expense to average assets | 1.7515% | 5,923 |
| Loan and lease loss provision to assets | 0.1324% | 1,655 |
| Net operating income to assets | 1.3573% | 1,173 |
| Return on assets (ROA) | 1.9329% | 427 |
| Pretax return on assets | 2.7100% | 186 |
| Return on Equity (ROE) | 11.2260% | 1,611 |
| Retained earnings to average equity (ytd only) | 5.9744% | 2,257 |
| Net charge-offs to loans | 0.2909% | 901 |
| Credit loss provision to net charge-offs | 102.0408% | 2,016 |
| Earnings coverage of net charge-offs (x) | 15.6599% | 1,960 |
| Efficiency ratio | 46.2965% | 6,030 |
| Assets per employee ($millions) | 5.7235% | 1,546 |
| Cash dividends to net income (ytd only)* | 46.7808% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 3,483 |
| Loan loss allowance to noncurrent loans | 54.8132% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 1.2365% | 2,038 |
| Noncurrent loans to loans | 2.2886% | 1,033 |
| Net loans and leases to total assets | 44.7061% | 5,334 |
| Net loans and leases to deposits | 55.9998% | 5,117 |
| Net loans and leases to core deposits | 59.7640% | 5,086 |
| Total domestic deposits to total assets | 79.8325% | 4,903 |
| Equity capital to assets | 17.2360% | 399 |
| Core capital (leverage) ratio | 15.5004% | 541 |
| Tier 1 risk-based capital ratio | 21.4498% | 1,291 |
| Total risk-based capital ratio | 24.6685% | 1,009 |
| Memoranda: | ||
| Average total assets | $453,203,000 | 1,503 |
| Average earning assets | $440,373,330 | 1,423 |
| Average equity | $78,033,330 | 981 |
| Average total loans | $202,165,330 | 2,069 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9718% | 3,333 |
| Cost of funding earning assets | 0.4148% | 3,139 |
| Net interest margin | 3.5570% | 3,195 |
| Noninterest income to average assets | 0.2865% | 4,878 |
| Noninterest expense to average assets | 1.6971% | 6,016 |
| Loan and lease loss provision to assets | 0.1322% | 1,561 |
| Net operating income to assets | 1.3560% | 1,125 |
| Return on assets (ROA) | 2.4896% | 169 |
| Pretax return on assets | 3.5387% | 104 |
| Return on Equity (ROE) | 14.4667% | 795 |
| Retained earnings to average equity (ytd only) | 14.4667% | 324 |
| Net charge-offs to loans | 0.1553% | 1,329 |
| Credit loss provision to net charge-offs | 192.3077% | 1,080 |
| Earnings coverage of net charge-offs (x) | 29.8333% | 1,154 |
| Efficiency ratio | 45.2728% | 6,135 |
| Assets per employee ($millions) | 5.7989% | 1,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 3,341 |
| Loan loss allowance to noncurrent loans | 78.5863% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 0.8845% | 2,866 |
| Noncurrent loans to loans | 1.6671% | 1,662 |
| Net loans and leases to total assets | 43.3267% | 5,400 |
| Net loans and leases to deposits | 54.0621% | 5,185 |
| Net loans and leases to core deposits | 57.6586% | 5,144 |
| Total domestic deposits to total assets | 80.1424% | 5,022 |
| Equity capital to assets | 17.2698% | 402 |
| Core capital (leverage) ratio | 15.6767% | 509 |
| Tier 1 risk-based capital ratio | 22.0498% | 1,235 |
| Total risk-based capital ratio | 24.2216% | 1,090 |
| Memoranda: | ||
| Average total assets | $453,725,500 | 1,502 |
| Average earning assets | $441,613,000 | 1,423 |
| Average equity | $78,083,000 | 982 |
| Average total loans | $200,893,000 | 2,079 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1114% | 3,287 |
| Cost of funding earning assets | 0.4606% | 3,066 |
| Net interest margin | 3.6508% | 3,217 |
| Noninterest income to average assets | 0.3149% | 4,869 |
| Noninterest expense to average assets | 1.7259% | 6,135 |
| Loan and lease loss provision to assets | 0.1347% | 1,946 |
| Net operating income to assets | 1.4784% | 917 |
| Return on assets (ROA) | 1.5986% | 744 |
| Pretax return on assets | 2.1660% | 347 |
| Return on Equity (ROE) | 9.4272% | 2,375 |
| Retained earnings to average equity (ytd only) | 4.2497% | 3,165 |
| Net charge-offs to loans | 0.3025% | 1,458 |
| Credit loss provision to net charge-offs | 101.6949% | 2,352 |
| Earnings coverage of net charge-offs (x) | 16.1475% | 2,036 |
| Efficiency ratio | 44.6652% | 6,306 |
| Assets per employee ($millions) | 5.6878% | 1,619 |
| Cash dividends to net income (ytd only)* | 54.9207% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 3,562 |
| Loan loss allowance to noncurrent loans | 56.8197% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 1.1477% | 2,468 |
| Noncurrent loans to loans | 2.2470% | 1,171 |
| Net loans and leases to total assets | 44.0879% | 5,457 |
| Net loans and leases to deposits | 55.1727% | 5,236 |
| Net loans and leases to core deposits | 58.2343% | 5,249 |
| Total domestic deposits to total assets | 79.9089% | 5,047 |
| Equity capital to assets | 17.1476% | 401 |
| Core capital (leverage) ratio | 15.0603% | 601 |
| Tier 1 risk-based capital ratio | 24.4828% | 893 |
| Total risk-based capital ratio | 28.3972% | 652 |
| Memoranda: | ||
| Average total assets | $445,571,400 | 1,485 |
| Average earning assets | $433,161,800 | 1,418 |
| Average equity | $75,557,800 | 970 |
| Average total loans | $195,073,000 | 2,069 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1192% | 3,300 |
| Cost of funding earning assets | 0.4709% | 3,046 |
| Net interest margin | 3.6483% | 3,231 |
| Noninterest income to average assets | 0.3122% | 4,944 |
| Noninterest expense to average assets | 1.6556% | 6,243 |
| Loan and lease loss provision to assets | 0.1349% | 1,846 |
| Net operating income to assets | 1.5349% | 873 |
| Return on assets (ROA) | 1.5422% | 889 |
| Pretax return on assets | 2.0769% | 476 |
| Return on Equity (ROE) | 9.1204% | 2,616 |
| Retained earnings to average equity (ytd only) | 5.6517% | 2,635 |
| Net charge-offs to loans | 0.2582% | 1,506 |
| Credit loss provision to net charge-offs | 120.0000% | 1,916 |
| Earnings coverage of net charge-offs (x) | 19.5812% | 1,773 |
| Efficiency ratio | 42.9182% | 6,397 |
| Assets per employee ($millions) | 5.5597% | 1,673 |
| Cash dividends to net income (ytd only)* | 38.0322% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3292% | 3,499 |
| Loan loss allowance to noncurrent loans | 53.4378% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 1.2923% | 2,392 |
| Noncurrent loans to loans | 2.4874% | 1,183 |
| Net loans and leases to total assets | 43.8435% | 5,532 |
| Net loans and leases to deposits | 54.1670% | 5,373 |
| Net loans and leases to core deposits | 57.1327% | 5,388 |
| Total domestic deposits to total assets | 80.9415% | 4,838 |
| Equity capital to assets | 17.2556% | 401 |
| Core capital (leverage) ratio | 14.8989% | 636 |
| Tier 1 risk-based capital ratio | 24.3757% | 943 |
| Total risk-based capital ratio | 27.9008% | 715 |
| Memoranda: | ||
| Average total assets | $444,630,750 | 1,505 |
| Average earning assets | $432,078,000 | 1,432 |
| Average equity | $75,184,750 | 978 |
| Average total loans | $193,675,250 | 2,095 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1401% | 3,188 |
| Cost of funding earning assets | 0.4763% | 3,053 |
| Net interest margin | 3.6639% | 3,097 |
| Noninterest income to average assets | 0.3082% | 4,946 |
| Noninterest expense to average assets | 1.6501% | 6,315 |
| Loan and lease loss provision to assets | 0.1350% | 1,834 |
| Net operating income to assets | 1.5570% | 782 |
| Return on assets (ROA) | 1.5570% | 816 |
| Pretax return on assets | 2.0842% | 451 |
| Return on Equity (ROE) | 9.2710% | 2,467 |
| Retained earnings to average equity (ytd only) | 4.0314% | 3,613 |
| Net charge-offs to loans | 0.1622% | 2,097 |
| Credit loss provision to net charge-offs | 192.3077% | 1,211 |
| Earnings coverage of net charge-offs (x) | 31.6218% | 1,209 |
| Efficiency ratio | 42.6462% | 6,465 |
| Assets per employee ($millions) | 5.6825% | 1,538 |
| Cash dividends to net income (ytd only)* | 56.5155% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 3,412 |
| Loan loss allowance to noncurrent loans | 68.1588% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 1.0378% | 2,994 |
| Noncurrent loans to loans | 2.0375% | 1,654 |
| Net loans and leases to total assets | 42.6292% | 5,635 |
| Net loans and leases to deposits | 52.9130% | 5,433 |
| Net loans and leases to core deposits | 56.2360% | 5,396 |
| Total domestic deposits to total assets | 80.5646% | 5,105 |
| Equity capital to assets | 16.9748% | 419 |
| Core capital (leverage) ratio | 14.5181% | 697 |
| Tier 1 risk-based capital ratio | 24.0373% | 980 |
| Total risk-based capital ratio | 27.8230% | 714 |
| Memoranda: | ||
| Average total assets | $444,582,000 | 1,503 |
| Average earning assets | $432,113,330 | 1,432 |
| Average equity | $74,663,330 | 979 |
| Average total loans | $192,356,000 | 2,109 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1162% | 3,220 |
| Cost of funding earning assets | 0.4784% | 3,131 |
| Net interest margin | 3.6377% | 3,107 |
| Noninterest income to average assets | 0.2966% | 4,985 |
| Noninterest expense to average assets | 1.6808% | 6,362 |
| Loan and lease loss provision to assets | 0.1356% | 1,788 |
| Net operating income to assets | 1.5072% | 802 |
| Return on assets (ROA) | 1.5072% | 836 |
| Pretax return on assets | 2.0135% | 517 |
| Return on Equity (ROE) | 9.0238% | 2,450 |
| Retained earnings to average equity (ytd only) | 9.0238% | 1,242 |
| Net charge-offs to loans | 0.0919% | 2,242 |
| Credit loss provision to net charge-offs | 340.9091% | 726 |
| Earnings coverage of net charge-offs (x) | 54.0227% | 710 |
| Efficiency ratio | 43.8857% | 6,505 |
| Assets per employee ($millions) | 5.6353% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 3,625 |
| Loan loss allowance to noncurrent loans | 60.4916% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 1.1377% | 2,975 |
| Noncurrent loans to loans | 2.3076% | 1,544 |
| Net loans and leases to total assets | 41.6479% | 5,696 |
| Net loans and leases to deposits | 51.2413% | 5,502 |
| Net loans and leases to core deposits | 54.4559% | 5,470 |
| Total domestic deposits to total assets | 81.2780% | 5,157 |
| Equity capital to assets | 16.6937% | 434 |
| Core capital (leverage) ratio | 15.1487% | 581 |
| Tier 1 risk-based capital ratio | 23.9631% | 1,004 |
| Total risk-based capital ratio | 27.6934% | 742 |
| Memoranda: | ||
| Average total assets | $442,414,000 | 1,516 |
| Average earning assets | $429,721,000 | 1,445 |
| Average equity | $73,893,500 | 988 |
| Average total loans | $191,501,500 | 2,122 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2190% | 3,274 |
| Cost of funding earning assets | 0.6109% | 2,563 |
| Net interest margin | 3.6081% | 3,435 |
| Noninterest income to average assets | 0.3207% | 5,042 |
| Noninterest expense to average assets | 1.8945% | 6,195 |
| Loan and lease loss provision to assets | 0.1360% | 2,607 |
| Net operating income to assets | 1.3492% | 1,136 |
| Return on assets (ROA) | 1.4023% | 1,057 |
| Pretax return on assets | 1.8661% | 654 |
| Return on Equity (ROE) | 8.7569% | 2,670 |
| Retained earnings to average equity (ytd only) | 3.4614% | 3,771 |
| Net charge-offs to loans | 0.2077% | 2,794 |
| Credit loss provision to net charge-offs | 155.4404% | 1,492 |
| Earnings coverage of net charge-offs (x) | 22.0803% | 1,465 |
| Efficiency ratio | 49.5173% | 6,418 |
| Assets per employee ($millions) | 5.2928% | 1,856 |
| Cash dividends to net income (ytd only)* | 60.4719% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 4,010 |
| Loan loss allowance to noncurrent loans | 51.4626% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 1.2774% | 2,863 |
| Noncurrent loans to loans | 2.5739% | 1,454 |
| Net loans and leases to total assets | 43.7865% | 5,693 |
| Net loans and leases to deposits | 54.0208% | 5,468 |
| Net loans and leases to core deposits | 57.9127% | 5,400 |
| Total domestic deposits to total assets | 81.0549% | 5,159 |
| Equity capital to assets | 16.7113% | 428 |
| Core capital (leverage) ratio | 14.6452% | 654 |
| Tier 1 risk-based capital ratio | 23.2940% | 1,052 |
| Total risk-based capital ratio | 26.9808% | 779 |
| Memoranda: | ||
| Average total assets | $441,284,200 | 1,501 |
| Average earning assets | $428,708,000 | 1,424 |
| Average equity | $70,664,400 | 1,009 |
| Average total loans | $185,878,000 | 2,147 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2085% | 3,358 |
| Cost of funding earning assets | 0.6397% | 2,456 |
| Net interest margin | 3.5689% | 3,587 |
| Noninterest income to average assets | 0.3144% | 5,186 |
| Noninterest expense to average assets | 1.8220% | 6,314 |
| Loan and lease loss provision to assets | 0.1354% | 2,588 |
| Net operating income to assets | 1.3664% | 1,180 |
| Return on assets (ROA) | 1.3664% | 1,233 |
| Pretax return on assets | 1.8256% | 849 |
| Return on Equity (ROE) | 8.6249% | 2,821 |
| Retained earnings to average equity (ytd only) | 5.0674% | 3,028 |
| Net charge-offs to loans | 0.1650% | 2,910 |
| Credit loss provision to net charge-offs | 197.3684% | 1,227 |
| Earnings coverage of net charge-offs (x) | 28.5836% | 1,278 |
| Efficiency ratio | 48.1626% | 6,499 |
| Assets per employee ($millions) | 5.2496% | 1,892 |
| Cash dividends to net income (ytd only)* | 41.2464% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3465% | 4,155 |
| Loan loss allowance to noncurrent loans | 63.6160% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 1.0847% | 3,488 |
| Noncurrent loans to loans | 2.1166% | 2,109 |
| Net loans and leases to total assets | 42.5021% | 5,857 |
| Net loans and leases to deposits | 52.0010% | 5,708 |
| Net loans and leases to core deposits | 55.9222% | 5,631 |
| Total domestic deposits to total assets | 81.7333% | 5,016 |
| Equity capital to assets | 15.9869% | 555 |
| Core capital (leverage) ratio | 14.3741% | 772 |
| Tier 1 risk-based capital ratio | 24.2653% | 960 |
| Total risk-based capital ratio | 25.2582% | 986 |
| Memoranda: | ||
| Average total assets | $443,103,750 | 1,505 |
| Average earning assets | $430,637,500 | 1,421 |
| Average equity | $70,198,500 | 1,022 |
| Average total loans | $184,200,750 | 2,166 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2035% | 3,355 |
| Cost of funding earning assets | 0.6786% | 2,233 |
| Net interest margin | 3.5249% | 3,681 |
| Noninterest income to average assets | 0.3200% | 5,145 |
| Noninterest expense to average assets | 1.8147% | 6,352 |
| Loan and lease loss provision to assets | 0.1352% | 2,636 |
| Net operating income to assets | 1.3510% | 1,190 |
| Return on assets (ROA) | 1.3510% | 1,276 |
| Pretax return on assets | 1.7967% | 939 |
| Return on Equity (ROE) | 8.5536% | 2,820 |
| Retained earnings to average equity (ytd only) | 3.2097% | 4,266 |
| Net charge-offs to loans | 0.1525% | 2,880 |
| Credit loss provision to net charge-offs | 215.8273% | 1,123 |
| Earnings coverage of net charge-offs (x) | 30.8417% | 1,125 |
| Efficiency ratio | 48.4364% | 6,514 |
| Assets per employee ($millions) | 5.6073% | 1,491 |
| Cash dividends to net income (ytd only)* | 62.4750% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3481% | 4,276 |
| Loan loss allowance to noncurrent loans | 66.8272% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 1.0134% | 3,729 |
| Noncurrent loans to loans | 2.0173% | 2,381 |
| Net loans and leases to total assets | 40.7507% | 5,992 |
| Net loans and leases to deposits | 49.4907% | 5,883 |
| Net loans and leases to core deposits | 54.0218% | 5,753 |
| Total domestic deposits to total assets | 82.3401% | 4,932 |
| Equity capital to assets | 15.1712% | 681 |
| Core capital (leverage) ratio | 13.9631% | 832 |
| Tier 1 risk-based capital ratio | 23.3550% | 1,079 |
| Total risk-based capital ratio | 26.6195% | 817 |
| Memoranda: | ||
| Average total assets | $443,816,330 | 1,494 |
| Average earning assets | $431,446,000 | 1,416 |
| Average equity | $70,099,000 | 1,030 |
| Average total loans | $182,275,000 | 2,179 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2132% | 3,250 |
| Cost of funding earning assets | 0.6968% | 2,249 |
| Net interest margin | 3.5165% | 3,630 |
| Noninterest income to average assets | 0.3126% | 5,191 |
| Noninterest expense to average assets | 1.7706% | 6,469 |
| Loan and lease loss provision to assets | 0.1359% | 2,548 |
| Net operating income to assets | 1.3420% | 1,170 |
| Return on assets (ROA) | 1.3420% | 1,266 |
| Pretax return on assets | 1.8222% | 848 |
| Return on Equity (ROE) | 8.3295% | 2,801 |
| Retained earnings to average equity (ytd only) | 8.3295% | 1,628 |
| Net charge-offs to loans | 0.1306% | 2,621 |
| Credit loss provision to net charge-offs | 254.2373% | 914 |
| Earnings coverage of net charge-offs (x) | 36.6271% | 847 |
| Efficiency ratio | 47.4848% | 6,631 |
| Assets per employee ($millions) | 5.6776% | 1,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3395% | 4,518 |
| Loan loss allowance to noncurrent loans | 81.9656% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 0.8089% | 4,346 |
| Noncurrent loans to loans | 1.6342% | 3,090 |
| Net loans and leases to total assets | 39.8553% | 6,012 |
| Net loans and leases to deposits | 49.0498% | 5,852 |
| Net loans and leases to core deposits | 53.5310% | 5,707 |
| Total domestic deposits to total assets | 81.2547% | 5,431 |
| Equity capital to assets | 16.1100% | 544 |
| Core capital (leverage) ratio | 14.3535% | 706 |
| Tier 1 risk-based capital ratio | 24.5212% | 951 |
| Total risk-based capital ratio | 27.7724% | 733 |
| Memoranda: | ||
| Average total assets | $441,434,000 | 1,521 |
| Average earning assets | $428,840,000 | 1,433 |
| Average equity | $71,121,000 | 1,025 |
| Average total loans | $180,763,500 | 2,202 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4800% | 3,485 |
| Cost of funding earning assets | 0.8420% | 2,349 |
| Net interest margin | 3.6380% | 3,926 |
| Noninterest income to average assets | 0.2330% | 5,778 |
| Noninterest expense to average assets | 1.7265% | 6,697 |
| Loan and lease loss provision to assets | 0.1391% | 3,869 |
| Net operating income to assets | 1.3993% | 1,104 |
| Return on assets (ROA) | 1.5415% | 928 |
| Pretax return on assets | 2.0836% | 507 |
| Return on Equity (ROE) | 9.4799% | 2,413 |
| Retained earnings to average equity (ytd only) | 4.3742% | 3,150 |
| Net charge-offs to loans | 0.2662% | 3,346 |
| Credit loss provision to net charge-offs | 129.3103% | 2,177 |
| Earnings coverage of net charge-offs (x) | 18.8750% | 1,417 |
| Efficiency ratio | 45.9550% | 6,783 |
| Assets per employee ($millions) | 5.4293% | 1,755 |
| Cash dividends to net income (ytd only)* | 53.8577% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2959% | 4,652 |
| Loan loss allowance to noncurrent loans | 56.0701% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 1.1019% | 3,808 |
| Noncurrent loans to loans | 2.3112% | 2,339 |
| Net loans and leases to total assets | 40.9819% | 6,099 |
| Net loans and leases to deposits | 50.6169% | 5,911 |
| Net loans and leases to core deposits | 54.3274% | 5,851 |
| Total domestic deposits to total assets | 80.9649% | 5,417 |
| Equity capital to assets | 16.1127% | 538 |
| Core capital (leverage) ratio | 14.2140% | 740 |
| Tier 1 risk-based capital ratio | 24.3807% | 925 |
| Total risk-based capital ratio | 27.2023% | 767 |
| Memoranda: | ||
| Average total assets | $431,328,200 | 1,531 |
| Average earning assets | $417,812,000 | 1,443 |
| Average equity | $70,138,200 | 1,001 |
| Average total loans | $174,324,800 | 2,266 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4942% | 3,662 |
| Cost of funding earning assets | 0.8717% | 2,380 |
| Net interest margin | 3.6225% | 4,138 |
| Noninterest income to average assets | 0.2164% | 5,990 |
| Noninterest expense to average assets | 1.6415% | 6,841 |
| Loan and lease loss provision to assets | 0.1393% | 3,794 |
| Net operating income to assets | 1.4271% | 1,164 |
| Return on assets (ROA) | 1.6142% | 903 |
| Pretax return on assets | 2.1998% | 478 |
| Return on Equity (ROE) | 9.9043% | 2,388 |
| Retained earnings to average equity (ytd only) | 6.6687% | 2,298 |
| Net charge-offs to loans | 0.2500% | 3,220 |
| Credit loss provision to net charge-offs | 138.8889% | 2,076 |
| Earnings coverage of net charge-offs (x) | 20.7592% | 1,434 |
| Efficiency ratio | 44.0758% | 6,894 |
| Assets per employee ($millions) | 5.4906% | 1,647 |
| Cash dividends to net income (ytd only)* | 32.6683% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 4,733 |
| Loan loss allowance to noncurrent loans | 71.2404% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 0.8754% | 4,533 |
| Noncurrent loans to loans | 1.8500% | 3,016 |
| Net loans and leases to total assets | 39.6493% | 6,314 |
| Net loans and leases to deposits | 48.8679% | 6,198 |
| Net loans and leases to core deposits | 52.4751% | 6,150 |
| Total domestic deposits to total assets | 81.1356% | 5,316 |
| Equity capital to assets | 16.4657% | 534 |
| Core capital (leverage) ratio | 14.3946% | 733 |
| Tier 1 risk-based capital ratio | 24.8021% | 925 |
| Total risk-based capital ratio | 27.8088% | 763 |
| Memoranda: | ||
| Average total assets | $430,575,250 | 1,545 |
| Average earning assets | $416,942,000 | 1,462 |
| Average equity | $70,176,750 | 1,007 |
| Average total loans | $172,821,500 | 2,316 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5575% | 3,539 |
| Cost of funding earning assets | 0.9076% | 2,338 |
| Net interest margin | 3.6498% | 4,040 |
| Noninterest income to average assets | 0.2221% | 5,984 |
| Noninterest expense to average assets | 1.6531% | 6,881 |
| Loan and lease loss provision to assets | 0.1403% | 3,764 |
| Net operating income to assets | 1.4290% | 1,132 |
| Return on assets (ROA) | 1.7106% | 737 |
| Pretax return on assets | 2.3536% | 377 |
| Return on Equity (ROE) | 10.5326% | 2,158 |
| Retained earnings to average equity (ytd only) | 5.6291% | 2,909 |
| Net charge-offs to loans | 0.1457% | 3,751 |
| Credit loss provision to net charge-offs | 240.0000% | 1,193 |
| Earnings coverage of net charge-offs (x) | 36.0640% | 954 |
| Efficiency ratio | 43.9513% | 6,958 |
| Assets per employee ($millions) | 5.4657% | 1,645 |
| Cash dividends to net income (ytd only)* | 46.5555% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3689% | 4,575 |
| Loan loss allowance to noncurrent loans | 74.5683% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 0.8718% | 4,630 |
| Noncurrent loans to loans | 1.8358% | 3,171 |
| Net loans and leases to total assets | 39.1357% | 6,395 |
| Net loans and leases to deposits | 48.0697% | 6,304 |
| Net loans and leases to core deposits | 52.2005% | 6,225 |
| Total domestic deposits to total assets | 81.4144% | 5,328 |
| Equity capital to assets | 15.9617% | 589 |
| Core capital (leverage) ratio | 14.1400% | 765 |
| Tier 1 risk-based capital ratio | 25.2059% | 879 |
| Total risk-based capital ratio | 28.0344% | 729 |
| Memoranda: | ||
| Average total assets | $427,685,000 | 1,559 |
| Average earning assets | $414,705,330 | 1,467 |
| Average equity | $69,460,670 | 1,012 |
| Average total loans | $171,600,670 | 2,332 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6602% | 3,213 |
| Cost of funding earning assets | 0.9713% | 2,148 |
| Net interest margin | 3.6889% | 3,878 |
| Noninterest income to average assets | 0.2100% | 6,120 |
| Noninterest expense to average assets | 1.6325% | 6,950 |
| Loan and lease loss provision to assets | 0.1419% | 3,582 |
| Net operating income to assets | 1.4462% | 1,128 |
| Return on assets (ROA) | 2.0080% | 472 |
| Pretax return on assets | 2.7903% | 232 |
| Return on Equity (ROE) | 12.2549% | 1,598 |
| Retained earnings to average equity (ytd only) | 12.2549% | 788 |
| Net charge-offs to loans | 0.0938% | 3,584 |
| Credit loss provision to net charge-offs | 375.0000% | 817 |
| Earnings coverage of net charge-offs (x) | 56.8750% | 572 |
| Efficiency ratio | 43.1392% | 7,023 |
| Assets per employee ($millions) | 5.3924% | 1,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 4,778 |
| Loan loss allowance to noncurrent loans | 89.1934% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 0.7181% | 5,112 |
| Noncurrent loans to loans | 1.5206% | 3,836 |
| Net loans and leases to total assets | 38.9613% | 6,427 |
| Net loans and leases to deposits | 48.0580% | 6,284 |
| Net loans and leases to core deposits | 52.1782% | 6,192 |
| Total domestic deposits to total assets | 81.0714% | 5,586 |
| Equity capital to assets | 16.4149% | 511 |
| Core capital (leverage) ratio | 14.7190% | 649 |
| Tier 1 risk-based capital ratio | 26.1560% | 792 |
| Total risk-based capital ratio | 29.3434% | 620 |
| Memoranda: | ||
| Average total assets | $422,901,000 | 1,576 |
| Average earning assets | $409,770,000 | 1,484 |
| Average equity | $69,294,500 | 1,008 |
| Average total loans | $170,652,500 | 2,355 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8930% | 3,391 |
| Cost of funding earning assets | 0.9831% | 3,489 |
| Net interest margin | 3.9099% | 3,291 |
| Noninterest income to average assets | 0.2138% | 5,990 |
| Noninterest expense to average assets | 1.8416% | 6,907 |
| Loan and lease loss provision to assets | 0.1490% | 4,752 |
| Net operating income to assets | 1.4768% | 873 |
| Return on assets (ROA) | 1.4698% | 963 |
| Pretax return on assets | 1.9969% | 536 |
| Return on Equity (ROE) | 8.8662% | 2,512 |
| Retained earnings to average equity (ytd only) | 3.9821% | 3,362 |
| Net charge-offs to loans | 0.3319% | 3,736 |
| Credit loss provision to net charge-offs | 108.3032% | 3,114 |
| Earnings coverage of net charge-offs (x) | 15.6643% | 1,377 |
| Efficiency ratio | 46.0759% | 7,040 |
| Assets per employee ($millions) | 5.1801% | 1,967 |
| Cash dividends to net income (ytd only)* | 55.0862% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2878% | 4,976 |
| Loan loss allowance to noncurrent loans | 75.4284% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 0.8250% | 4,981 |
| Noncurrent loans to loans | 1.7073% | 3,600 |
| Net loans and leases to total assets | 40.7126% | 6,490 |
| Net loans and leases to deposits | 50.2852% | 6,342 |
| Net loans and leases to core deposits | 54.7449% | 6,249 |
| Total domestic deposits to total assets | 80.9634% | 5,460 |
| Equity capital to assets | 16.3549% | 535 |
| Core capital (leverage) ratio | 14.4836% | 716 |
| Tier 1 risk-based capital ratio | 26.1891% | 759 |
| Total risk-based capital ratio | 27.1886% | 772 |
| Memoranda: | ||
| Average total assets | $402,630,400 | 1,612 |
| Average earning assets | $389,579,800 | 1,528 |
| Average equity | $66,748,200 | 1,005 |
| Average total loans | $166,929,200 | 2,401 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9143% | 3,488 |
| Cost of funding earning assets | 0.9765% | 3,841 |
| Net interest margin | 3.9378% | 3,195 |
| Noninterest income to average assets | 0.1988% | 6,173 |
| Noninterest expense to average assets | 1.7910% | 7,006 |
| Loan and lease loss provision to assets | 0.1501% | 4,572 |
| Net operating income to assets | 1.5078% | 916 |
| Return on assets (ROA) | 1.5078% | 1,001 |
| Pretax return on assets | 2.0659% | 552 |
| Return on Equity (ROE) | 9.0636% | 2,566 |
| Retained earnings to average equity (ytd only) | 5.9455% | 2,590 |
| Net charge-offs to loans | 0.2941% | 3,620 |
| Credit loss provision to net charge-offs | 122.9508% | 2,626 |
| Earnings coverage of net charge-offs (x) | 18.1502% | 1,319 |
| Efficiency ratio | 44.6970% | 7,119 |
| Assets per employee ($millions) | 5.0177% | 2,170 |
| Cash dividends to net income (ytd only)* | 34.4026% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 4,910 |
| Loan loss allowance to noncurrent loans | 59.9786% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 1.0147% | 4,728 |
| Noncurrent loans to loans | 2.2035% | 3,105 |
| Net loans and leases to total assets | 40.6302% | 6,587 |
| Net loans and leases to deposits | 49.9070% | 6,506 |
| Net loans and leases to core deposits | 54.1663% | 6,450 |
| Total domestic deposits to total assets | 81.4118% | 5,290 |
| Equity capital to assets | 16.5471% | 536 |
| Core capital (leverage) ratio | 14.7384% | 720 |
| Tier 1 risk-based capital ratio | 26.0216% | 834 |
| Total risk-based capital ratio | 28.4863% | 704 |
| Memoranda: | ||
| Average total assets | $399,686,250 | 1,630 |
| Average earning assets | $386,537,250 | 1,542 |
| Average equity | $66,491,250 | 1,016 |
| Average total loans | $165,932,250 | 2,432 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9422% | 3,432 |
| Cost of funding earning assets | 0.9714% | 4,161 |
| Net interest margin | 3.9708% | 2,989 |
| Noninterest income to average assets | 0.2092% | 6,166 |
| Noninterest expense to average assets | 1.8450% | 7,024 |
| Loan and lease loss provision to assets | 0.1516% | 4,414 |
| Net operating income to assets | 1.4989% | 894 |
| Return on assets (ROA) | 1.4989% | 952 |
| Pretax return on assets | 2.0527% | 528 |
| Return on Equity (ROE) | 8.9933% | 2,517 |
| Retained earnings to average equity (ytd only) | 4.2783% | 3,474 |
| Net charge-offs to loans | 0.2367% | 3,703 |
| Credit loss provision to net charge-offs | 153.8462% | 1,980 |
| Earnings coverage of net charge-offs (x) | 22.3692% | 1,121 |
| Efficiency ratio | 45.5635% | 7,175 |
| Assets per employee ($millions) | 4.9979% | 2,124 |
| Cash dividends to net income (ytd only)* | 52.4275% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 4,767 |
| Loan loss allowance to noncurrent loans | 79.4583% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 0.8425% | 5,190 |
| Noncurrent loans to loans | 1.7132% | 3,869 |
| Net loans and leases to total assets | 39.9415% | 6,749 |
| Net loans and leases to deposits | 49.2482% | 6,655 |
| Net loans and leases to core deposits | 51.9482% | 6,669 |
| Total domestic deposits to total assets | 81.1026% | 5,490 |
| Equity capital to assets | 16.4090% | 556 |
| Core capital (leverage) ratio | 14.4164% | 779 |
| Tier 1 risk-based capital ratio | 34.3436% | 370 |
| Total risk-based capital ratio | 35.5952% | 361 |
| Memoranda: | ||
| Average total assets | $395,763,330 | 1,663 |
| Average earning assets | $382,747,330 | 1,571 |
| Average equity | $65,960,330 | 1,020 |
| Average total loans | $164,771,670 | 2,472 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9642% | 3,273 |
| Cost of funding earning assets | 0.9511% | 4,556 |
| Net interest margin | 4.0131% | 2,632 |
| Noninterest income to average assets | 0.2130% | 6,210 |
| Noninterest expense to average assets | 1.7956% | 7,148 |
| Loan and lease loss provision to assets | 0.1543% | 4,094 |
| Net operating income to assets | 1.5713% | 735 |
| Return on assets (ROA) | 1.5713% | 775 |
| Pretax return on assets | 2.1403% | 442 |
| Return on Equity (ROE) | 9.3515% | 2,330 |
| Retained earnings to average equity (ytd only) | 9.3515% | 1,275 |
| Net charge-offs to loans | 0.0341% | 4,621 |
| Credit loss provision to net charge-offs | 1,071.4286% | 356 |
| Earnings coverage of net charge-offs (x) | 159.2857% | 199 |
| Efficiency ratio | 43.8994% | 7,283 |
| Assets per employee ($millions) | 4.9627% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3908% | 4,708 |
| Loan loss allowance to noncurrent loans | 83.1216% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.8634% | 5,179 |
| Noncurrent loans to loans | 1.6732% | 3,973 |
| Net loans and leases to total assets | 40.8959% | 6,710 |
| Net loans and leases to deposits | 50.3255% | 6,601 |
| Net loans and leases to core deposits | 53.0768% | 6,618 |
| Total domestic deposits to total assets | 81.2628% | 5,587 |
| Equity capital to assets | 16.6131% | 486 |
| Core capital (leverage) ratio | 15.4372% | 587 |
| Tier 1 risk-based capital ratio | 26.2855% | 759 |
| Total risk-based capital ratio | 29.3707% | 613 |
| Memoranda: | ||
| Average total assets | $388,730,500 | 1,696 |
| Average earning assets | $375,571,500 | 1,614 |
| Average equity | $65,316,000 | 1,023 |
| Average total loans | $164,182,000 | 2,504 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2175% | 3,523 |
| Cost of funding earning assets | 1.1118% | 5,074 |
| Net interest margin | 4.1057% | 2,534 |
| Noninterest income to average assets | 0.2229% | 6,209 |
| Noninterest expense to average assets | 2.0944% | 6,862 |
| Loan and lease loss provision to assets | 0.1767% | 5,461 |
| Net operating income to assets | 1.4042% | 944 |
| Return on assets (ROA) | 1.4042% | 1,016 |
| Pretax return on assets | 1.8982% | 614 |
| Return on Equity (ROE) | 8.1344% | 2,650 |
| Retained earnings to average equity (ytd only) | 3.3120% | 3,547 |
| Net charge-offs to loans | 0.3763% | 4,157 |
| Credit loss provision to net charge-offs | 106.3830% | 4,200 |
| Earnings coverage of net charge-offs (x) | 12.4910% | 1,496 |
| Efficiency ratio | 50.2347% | 7,105 |
| Assets per employee ($millions) | 4.7555% | 2,477 |
| Cash dividends to net income (ytd only)* | 59.2836% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 4,919 |
| Loan loss allowance to noncurrent loans | 47.4136% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 1.3723% | 4,288 |
| Noncurrent loans to loans | 2.7750% | 2,747 |
| Net loans and leases to total assets | 42.4652% | 6,824 |
| Net loans and leases to deposits | 52.7266% | 6,692 |
| Net loans and leases to core deposits | 54.8702% | 6,760 |
| Total domestic deposits to total assets | 80.5385% | 5,674 |
| Equity capital to assets | 16.9999% | 457 |
| Core capital (leverage) ratio | 15.2335% | 626 |
| Tier 1 risk-based capital ratio | 26.4339% | 716 |
| Total risk-based capital ratio | 29.6393% | 568 |
| Memoranda: | ||
| Average total assets | $367,830,800 | 1,787 |
| Average earning assets | $353,561,400 | 1,704 |
| Average equity | $63,495,800 | 1,050 |
| Average total loans | $162,356,200 | 2,588 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2817% | 3,443 |
| Cost of funding earning assets | 1.1323% | 5,242 |
| Net interest margin | 4.1494% | 2,407 |
| Noninterest income to average assets | 0.2194% | 6,341 |
| Noninterest expense to average assets | 2.0405% | 6,976 |
| Loan and lease loss provision to assets | 0.1828% | 5,218 |
| Net operating income to assets | 1.4643% | 991 |
| Return on assets (ROA) | 1.4654% | 1,063 |
| Pretax return on assets | 1.9809% | 645 |
| Return on Equity (ROE) | 8.4554% | 2,709 |
| Retained earnings to average equity (ytd only) | 5.2192% | 2,828 |
| Net charge-offs to loans | 0.3358% | 3,972 |
| Credit loss provision to net charge-offs | 122.5490% | 3,354 |
| Earnings coverage of net charge-offs (x) | 14.4950% | 1,511 |
| Efficiency ratio | 48.5515% | 7,239 |
| Assets per employee ($millions) | 4.6783% | 2,630 |
| Cash dividends to net income (ytd only)* | 38.2734% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3475% | 4,721 |
| Loan loss allowance to noncurrent loans | 49.0453% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 1.3525% | 4,460 |
| Noncurrent loans to loans | 2.7474% | 2,889 |
| Net loans and leases to total assets | 43.2126% | 6,896 |
| Net loans and leases to deposits | 53.9708% | 6,772 |
| Net loans and leases to core deposits | 56.0593% | 6,853 |
| Total domestic deposits to total assets | 80.0666% | 5,684 |
| Equity capital to assets | 17.5958% | 451 |
| Core capital (leverage) ratio | 15.6430% | 615 |
| Tier 1 risk-based capital ratio | 27.0496% | 689 |
| Total risk-based capital ratio | 29.7226% | 583 |
| Memoranda: | ||
| Average total assets | $364,677,750 | 1,818 |
| Average earning assets | $350,079,000 | 1,730 |
| Average equity | $63,201,000 | 1,058 |
| Average total loans | $162,017,750 | 2,629 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3597% | 3,158 |
| Cost of funding earning assets | 1.1498% | 5,407 |
| Net interest margin | 4.2099% | 2,127 |
| Noninterest income to average assets | 0.2296% | 6,268 |
| Noninterest expense to average assets | 2.0925% | 6,927 |
| Loan and lease loss provision to assets | 0.1936% | 4,942 |
| Net operating income to assets | 1.4501% | 988 |
| Return on assets (ROA) | 1.4501% | 1,056 |
| Pretax return on assets | 1.9807% | 622 |
| Return on Equity (ROE) | 8.4119% | 2,704 |
| Retained earnings to average equity (ytd only) | 3.4887% | 3,885 |
| Net charge-offs to loans | 0.3619% | 3,543 |
| Credit loss provision to net charge-offs | 119.8630% | 3,396 |
| Earnings coverage of net charge-offs (x) | 13.4589% | 1,589 |
| Efficiency ratio | 49.0405% | 7,282 |
| Assets per employee ($millions) | 4.6998% | 2,582 |
| Cash dividends to net income (ytd only)* | 58.5273% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3372% | 4,743 |
| Loan loss allowance to noncurrent loans | 51.9598% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 1.2734% | 4,600 |
| Noncurrent loans to loans | 2.5736% | 3,068 |
| Net loans and leases to total assets | 43.2014% | 6,970 |
| Net loans and leases to deposits | 53.8304% | 6,875 |
| Net loans and leases to core deposits | 55.7713% | 6,953 |
| Total domestic deposits to total assets | 80.2547% | 5,651 |
| Equity capital to assets | 17.1949% | 503 |
| Core capital (leverage) ratio | 15.3048% | 666 |
| Tier 1 risk-based capital ratio | 26.6341% | 724 |
| Total risk-based capital ratio | 29.5242% | 596 |
| Memoranda: | ||
| Average total assets | $361,481,670 | 1,849 |
| Average earning assets | $346,661,000 | 1,762 |
| Average equity | $62,316,330 | 1,071 |
| Average total loans | $161,377,330 | 2,678 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4802% | 2,688 |
| Cost of funding earning assets | 1.1551% | 5,634 |
| Net interest margin | 4.3250% | 1,611 |
| Noninterest income to average assets | 0.2445% | 6,197 |
| Noninterest expense to average assets | 2.0113% | 7,138 |
| Loan and lease loss provision to assets | 0.1683% | 4,848 |
| Net operating income to assets | 1.6097% | 736 |
| Return on assets (ROA) | 1.6097% | 788 |
| Pretax return on assets | 2.2020% | 419 |
| Return on Equity (ROE) | 9.3252% | 2,370 |
| Retained earnings to average equity (ytd only) | 9.3252% | 1,315 |
| Net charge-offs to loans | 0.2040% | 3,691 |
| Credit loss provision to net charge-offs | 182.9268% | 2,001 |
| Earnings coverage of net charge-offs (x) | 25.7683% | 975 |
| Efficiency ratio | 45.9037% | 7,554 |
| Assets per employee ($millions) | 4.5540% | 2,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3616% | 4,617 |
| Loan loss allowance to noncurrent loans | 73.1814% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 1.0387% | 5,069 |
| Noncurrent loans to loans | 1.8606% | 3,980 |
| Net loans and leases to total assets | 43.4065% | 7,037 |
| Net loans and leases to deposits | 54.0731% | 6,913 |
| Net loans and leases to core deposits | 56.2619% | 6,979 |
| Total domestic deposits to total assets | 80.2736% | 5,696 |
| Equity capital to assets | 17.4128% | 479 |
| Core capital (leverage) ratio | 16.0710% | 570 |
| Tier 1 risk-based capital ratio | 27.1753% | 695 |
| Total risk-based capital ratio | 30.3140% | 564 |
| Memoranda: | ||
| Average total assets | $356,580,500 | 1,922 |
| Average earning assets | $341,084,000 | 1,836 |
| Average equity | $61,553,500 | 1,086 |
| Average total loans | $160,779,000 | 2,753 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8451% | 2,460 |
| Cost of funding earning assets | 1.5811% | 5,120 |
| Net interest margin | 4.2640% | 1,842 |
| Noninterest income to average assets | 0.2475% | 6,331 |
| Noninterest expense to average assets | 2.2645% | 6,838 |
| Loan and lease loss provision to assets | 0.1763% | 5,934 |
| Net operating income to assets | 1.3376% | 964 |
| Return on assets (ROA) | 0.1428% | 5,141 |
| Pretax return on assets | -0.0226% | 5,481 |
| Return on Equity (ROE) | 0.8191% | 5,286 |
| Retained earnings to average equity (ytd only) | -4.3734% | 5,924 |
| Net charge-offs to loans | 0.3800% | 4,308 |
| Credit loss provision to net charge-offs | 98.5222% | 5,655 |
| Earnings coverage of net charge-offs (x) | 11.2890% | 1,602 |
| Efficiency ratio | 52.8464% | 7,333 |
| Assets per employee ($millions) | 4.3605% | 3,171 |
| Cash dividends to net income (ytd only)* | 633.9506% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3124% | 4,687 |
| Loan loss allowance to noncurrent loans | 54.6488% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 1.3476% | 4,404 |
| Noncurrent loans to loans | 2.4014% | 3,160 |
| Net loans and leases to total assets | 45.6141% | 7,016 |
| Net loans and leases to deposits | 56.6299% | 6,885 |
| Net loans and leases to core deposits | 64.5275% | 7,060 |
| Total domestic deposits to total assets | 80.5476% | 5,492 |
| Equity capital to assets | 17.1049% | 547 |
| Core capital (leverage) ratio | 15.7162% | 658 |
| Tier 1 risk-based capital ratio | 26.3578% | 738 |
| Total risk-based capital ratio | 28.8381% | 651 |
| Memoranda: | ||
| Average total assets | $340,246,800 | 2,001 |
| Average earning assets | $322,184,600 | 1,932 |
| Average equity | $59,335,400 | 1,115 |
| Average total loans | $160,271,800 | 2,761 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9075% | 2,417 |
| Cost of funding earning assets | 1.6429% | 5,195 |
| Net interest margin | 4.2646% | 1,824 |
| Noninterest income to average assets | 0.2358% | 6,539 |
| Noninterest expense to average assets | 2.1741% | 7,040 |
| Loan and lease loss provision to assets | 0.1775% | 5,586 |
| Net operating income to assets | 1.3908% | 1,054 |
| Return on assets (ROA) | 0.0158% | 5,727 |
| Pretax return on assets | -0.2370% | 6,033 |
| Return on Equity (ROE) | 0.0900% | 5,749 |
| Retained earnings to average equity (ytd only) | -3.3888% | 6,007 |
| Net charge-offs to loans | 0.2566% | 4,448 |
| Credit loss provision to net charge-offs | 146.1039% | 3,329 |
| Earnings coverage of net charge-offs (x) | 17.1979% | 1,419 |
| Efficiency ratio | 50.9991% | 7,485 |
| Assets per employee ($millions) | 4.3219% | 3,167 |
| Cash dividends to net income (ytd only)* | 3,865.1416% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 3,940 |
| Loan loss allowance to noncurrent loans | 51.8061% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 1.4077% | 4,291 |
| Noncurrent loans to loans | 2.7034% | 2,804 |
| Net loans and leases to total assets | 46.1401% | 7,102 |
| Net loans and leases to deposits | 57.7171% | 6,981 |
| Net loans and leases to core deposits | 65.6038% | 7,176 |
| Total domestic deposits to total assets | 79.9419% | 5,453 |
| Equity capital to assets | 17.6610% | 544 |
| Core capital (leverage) ratio | 16.2126% | 646 |
| Tier 1 risk-based capital ratio | 26.9948% | 751 |
| Total risk-based capital ratio | 29.4579% | 659 |
| Memoranda: | ||
| Average total assets | $338,098,000 | 2,029 |
| Average earning assets | $319,271,500 | 1,966 |
| Average equity | $59,252,000 | 1,136 |
| Average total loans | $160,030,500 | 2,789 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9854% | 2,241 |
| Cost of funding earning assets | 1.7156% | 5,197 |
| Net interest margin | 4.2697% | 1,751 |
| Noninterest income to average assets | 0.2414% | 6,556 |
| Noninterest expense to average assets | 2.1946% | 7,066 |
| Loan and lease loss provision to assets | 0.1788% | 5,257 |
| Net operating income to assets | 1.3469% | 1,126 |
| Return on assets (ROA) | -0.7313% | 6,778 |
| Pretax return on assets | -1.3727% | 7,018 |
| Return on Equity (ROE) | -4.1843% | 6,500 |
| Retained earnings to average equity (ytd only) | -9.4564% | 6,809 |
| Net charge-offs to loans | 0.3261% | 3,550 |
| Credit loss provision to net charge-offs | 115.3846% | 4,010 |
| Earnings coverage of net charge-offs (x) | 13.2500% | 1,753 |
| Efficiency ratio | 51.6627% | 7,539 |
| Assets per employee ($millions) | 4.4371% | 2,862 |
| Cash dividends to net income (ytd only)* | -125.9984% | 8,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3510% | 3,975 |
| Loan loss allowance to noncurrent loans | 47.6967% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 1.4210% | 4,118 |
| Noncurrent loans to loans | 2.8324% | 2,543 |
| Net loans and leases to total assets | 45.0789% | 7,260 |
| Net loans and leases to deposits | 55.5112% | 7,190 |
| Net loans and leases to core deposits | 62.5794% | 7,357 |
| Total domestic deposits to total assets | 81.2069% | 4,995 |
| Equity capital to assets | 16.4133% | 766 |
| Core capital (leverage) ratio | 15.8933% | 757 |
| Tier 1 risk-based capital ratio | 19.3311% | 1,713 |
| Total risk-based capital ratio | 20.9259% | 1,596 |
| Memoranda: | ||
| Average total assets | $335,547,000 | 2,067 |
| Average earning assets | $314,866,330 | 2,024 |
| Average equity | $58,648,330 | 1,153 |
| Average total loans | $159,442,000 | 2,829 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2494% | 1,447 |
| Cost of funding earning assets | 1.7961% | 5,132 |
| Net interest margin | 4.4533% | 1,225 |
| Noninterest income to average assets | 0.2524% | 6,441 |
| Noninterest expense to average assets | 2.0533% | 7,228 |
| Loan and lease loss provision to assets | 0.1829% | 4,612 |
| Net operating income to assets | 1.8547% | 478 |
| Return on assets (ROA) | 0.9498% | 2,642 |
| Pretax return on assets | 1.0937% | 3,009 |
| Return on Equity (ROE) | 5.2630% | 4,349 |
| Retained earnings to average equity (ytd only) | 5.2630% | 2,983 |
| Net charge-offs to loans | 0.2439% | 3,182 |
| Credit loss provision to net charge-offs | 154.6392% | 2,707 |
| Earnings coverage of net charge-offs (x) | 19.5876% | 1,414 |
| Efficiency ratio | 46.9866% | 7,792 |
| Assets per employee ($millions) | 4.1880% | 3,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3720% | 3,661 |
| Loan loss allowance to noncurrent loans | 69.8428% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 1.1117% | 4,461 |
| Noncurrent loans to loans | 1.9644% | 3,314 |
| Net loans and leases to total assets | 47.3019% | 7,080 |
| Net loans and leases to deposits | 58.7138% | 6,993 |
| Net loans and leases to core deposits | 65.8520% | 7,246 |
| Total domestic deposits to total assets | 80.5636% | 5,148 |
| Equity capital to assets | 17.3590% | 685 |
| Core capital (leverage) ratio | 18.0196% | 552 |
| Tier 1 risk-based capital ratio | 29.5536% | 648 |
| Total risk-based capital ratio | 30.7316% | 637 |
| Memoranda: | ||
| Average total assets | $328,054,500 | 2,124 |
| Average earning assets | $303,324,500 | 2,104 |
| Average equity | $59,205,500 | 1,152 |
| Average total loans | $159,073,000 | 2,862 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2171% | 4,430 |
| Cost of funding earning assets | 2.0819% | 6,127 |
| Net interest margin | 4.1352% | 2,559 |
| Noninterest income to average assets | 0.2849% | 6,429 |
| Noninterest expense to average assets | 2.1222% | 7,180 |
| Loan and lease loss provision to assets | 0.1794% | 5,102 |
| Net operating income to assets | 1.8418% | 507 |
| Return on assets (ROA) | 0.7038% | 3,714 |
| Pretax return on assets | 0.7352% | 4,288 |
| Return on Equity (ROE) | 3.5918% | 4,997 |
| Retained earnings to average equity (ytd only) | -1.1459% | 5,641 |
| Net charge-offs to loans | 0.3788% | 2,943 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 11.7067% | 2,344 |
| Efficiency ratio | 50.2620% | 7,646 |
| Assets per employee ($millions) | 4.0658% | 3,381 |
| Cash dividends to net income (ytd only)* | 131.9031% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 3,582 |
| Loan loss allowance to noncurrent loans | 53.5822% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 1.4625% | 3,295 |
| Noncurrent loans to loans | 2.4857% | 2,197 |
| Net loans and leases to total assets | 48.3758% | 7,161 |
| Net loans and leases to deposits | 61.9557% | 6,949 |
| Net loans and leases to core deposits | 69.6448% | 7,209 |
| Total domestic deposits to total assets | 78.0812% | 5,686 |
| Equity capital to assets | 18.7478% | 574 |
| Core capital (leverage) ratio | 18.0779% | 597 |
| Tier 1 risk-based capital ratio | 28.3851% | 741 |
| Total risk-based capital ratio | 30.6283% | 660 |
| Memoranda: | ||
| Average total assets | $334,469,400 | 1,999 |
| Average earning assets | $318,462,400 | 1,916 |
| Average equity | $65,538,400 | 1,020 |
| Average total loans | $158,390,000 | 2,794 |