Home > Horicon Bank > Performance and Condition Ratios
Horicon Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8280% | 2,420 |
| Cost of funding earning assets | 1.3446% | 2,378 |
| Net interest margin | 3.4834% | 2,225 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.7925% | 1,521 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.8845% | 2,596 |
| Return on assets (ROA) | 0.8808% | 2,572 |
| Pretax return on assets | 0.8808% | 3,012 |
| Return on Equity (ROE) | 9.6300% | 2,600 |
| Retained earnings to average equity (ytd only) | 2.3489% | 3,492 |
| Net charge-offs to loans | 0.0234% | 1,849 |
| Credit loss provision to net charge-offs | 287.1795% | 985 |
| Earnings coverage of net charge-offs (x) | 51.3223% | 1,276 |
| Efficiency ratio | 70.5468% | 1,811 |
| Assets per employee ($millions) | 6.3801% | 2,494 |
| Cash dividends to net income (ytd only)* | 75.5994% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9048% | 3,694 |
| Loan loss allowance to noncurrent loans | 103.2176% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.7018% | 742 |
| Noncurrent loans to loans | 0.8766% | 867 |
| Net loans and leases to total assets | 79.3400% | 723 |
| Net loans and leases to deposits | 89.7832% | 1,285 |
| Net loans and leases to core deposits | 95.5119% | 1,680 |
| Total domestic deposits to total assets | 88.3600% | 1,242 |
| Equity capital to assets | 9.5648% | 2,299 |
| Core capital (leverage) ratio | 8.8692% | 3,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7589% | 2,845 |
| Memoranda: | ||
| Average total assets | $1,491,746,200 | 718 |
| Average earning assets | $1,399,119,400 | 701 |
| Average equity | $136,491,200 | 727 |
| Average total loans | $1,169,152,000 | 646 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7161% | 2,439 |
| Cost of funding earning assets | 1.2426% | 2,296 |
| Net interest margin | 3.4735% | 2,270 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.8349% | 1,358 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.7453% | 3,187 |
| Return on assets (ROA) | 0.7355% | 3,204 |
| Pretax return on assets | 0.7356% | 3,481 |
| Return on Equity (ROE) | 8.1300% | 3,152 |
| Retained earnings to average equity (ytd only) | 1.5452% | 3,831 |
| Net charge-offs to loans | 0.0303% | 1,471 |
| Credit loss provision to net charge-offs | 506.4394% | 624 |
| Earnings coverage of net charge-offs (x) | 36.7917% | 1,493 |
| Efficiency ratio | 72.1256% | 1,551 |
| Assets per employee ($millions) | 6.2033% | 2,563 |
| Cash dividends to net income (ytd only)* | 80.9988% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9628% | 3,524 |
| Loan loss allowance to noncurrent loans | 124.3926% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.6193% | 943 |
| Noncurrent loans to loans | 0.7740% | 1,074 |
| Net loans and leases to total assets | 79.2400% | 738 |
| Net loans and leases to deposits | 89.2635% | 1,289 |
| Net loans and leases to core deposits | 93.9918% | 1,678 |
| Total domestic deposits to total assets | 88.7700% | 1,326 |
| Equity capital to assets | 9.2470% | 2,262 |
| Core capital (leverage) ratio | 8.8016% | 3,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8201% | 2,848 |
| Memoranda: | ||
| Average total assets | $1,488,254,000 | 724 |
| Average earning assets | $1,396,676,000 | 705 |
| Average equity | $134,609,500 | 730 |
| Average total loans | $1,160,072,500 | 650 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3150% | 2,766 |
| Cost of funding earning assets | 0.8266% | 2,621 |
| Net interest margin | 3.4884% | 2,398 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.9771% | 1,101 |
| Loan and lease loss provision to assets | -0.0400% | 4,493 |
| Net operating income to assets | 0.8092% | 3,164 |
| Return on assets (ROA) | 0.7739% | 3,239 |
| Pretax return on assets | 0.7739% | 3,527 |
| Return on Equity (ROE) | 9.8600% | 2,827 |
| Retained earnings to average equity (ytd only) | -2.6330% | 4,231 |
| Net charge-offs to loans | 0.0520% | 845 |
| Credit loss provision to net charge-offs | -100.8264% | 4,595 |
| Earnings coverage of net charge-offs (x) | 19.6116% | 1,461 |
| Efficiency ratio | 78.8996% | 916 |
| Assets per employee ($millions) | 5.4574% | 3,261 |
| Cash dividends to net income (ytd only)* | 126.7169% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 3,097 |
| Loan loss allowance to noncurrent loans | 110.7077% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.7536% | 642 |
| Noncurrent loans to loans | 0.9860% | 743 |
| Net loans and leases to total assets | 75.6000% | 1,012 |
| Net loans and leases to deposits | 86.1387% | 1,341 |
| Net loans and leases to core deposits | 89.5197% | 1,647 |
| Total domestic deposits to total assets | 87.7600% | 1,999 |
| Equity capital to assets | 8.0036% | 3,242 |
| Core capital (leverage) ratio | 8.7538% | 3,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3650% | 2,889 |
| Memoranda: | ||
| Average total assets | $1,234,236,000 | 847 |
| Average earning assets | $1,171,071,000 | 823 |
| Average equity | $96,923,000 | 972 |
| Average total loans | $930,610,500 | 770 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7500% | 2,408 |
| Cost of funding earning assets | 0.2965% | 2,907 |
| Net interest margin | 3.4535% | 2,087 |
| Noninterest income to average assets | 0.7100% | 1,267 |
| Noninterest expense to average assets | 2.7800% | 1,356 |
| Loan and lease loss provision to assets | -0.2000% | 4,630 |
| Net operating income to assets | 1.2992% | 1,431 |
| Return on assets (ROA) | 1.1790% | 1,793 |
| Pretax return on assets | 1.2751% | 2,183 |
| Return on Equity (ROE) | 14.3100% | 1,459 |
| Retained earnings to average equity (ytd only) | -0.7354% | 4,425 |
| Net charge-offs to loans | 0.0002% | 2,613 |
| Credit loss provision to net charge-offs | -121,100.0000% | 4,725 |
| Earnings coverage of net charge-offs (x) | 7,441.5000% | 18 |
| Efficiency ratio | 69.1559% | 1,805 |
| Assets per employee ($millions) | 5.7407% | 2,999 |
| Cash dividends to net income (ytd only)* | 105.1399% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7919% | 4,051 |
| Loan loss allowance to noncurrent loans | 85.8524% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.6862% | 706 |
| Noncurrent loans to loans | 0.9224% | 803 |
| Net loans and leases to total assets | 73.8100% | 1,231 |
| Net loans and leases to deposits | 81.2196% | 1,679 |
| Net loans and leases to core deposits | 83.0035% | 1,934 |
| Total domestic deposits to total assets | 90.8800% | 999 |
| Equity capital to assets | 7.7063% | 3,250 |
| Core capital (leverage) ratio | 8.6149% | 4,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0947% | 2,956 |
| Memoranda: | ||
| Average total assets | $1,231,010,000 | 839 |
| Average earning assets | $1,170,300,000 | 810 |
| Average equity | $101,444,400 | 936 |
| Average total loans | $886,858,200 | 756 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6214% | 2,281 |
| Cost of funding earning assets | 0.2260% | 2,976 |
| Net interest margin | 3.3955% | 1,988 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.7336% | 1,389 |
| Loan and lease loss provision to assets | -0.1400% | 4,624 |
| Net operating income to assets | 1.1237% | 1,989 |
| Return on assets (ROA) | 1.1213% | 1,969 |
| Pretax return on assets | 1.2500% | 2,206 |
| Return on Equity (ROE) | 13.3900% | 1,589 |
| Retained earnings to average equity (ytd only) | 4.0235% | 3,435 |
| Net charge-offs to loans | -0.0069% | 3,579 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.5703% | 1,693 |
| Assets per employee ($millions) | 5.5397% | 3,175 |
| Cash dividends to net income (ytd only)* | 69.9418% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9439% | 3,713 |
| Loan loss allowance to noncurrent loans | 92.6035% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 0.7487% | 676 |
| Noncurrent loans to loans | 1.0193% | 747 |
| Net loans and leases to total assets | 72.7600% | 1,208 |
| Net loans and leases to deposits | 79.6686% | 1,593 |
| Net loans and leases to core deposits | 80.7808% | 1,849 |
| Total domestic deposits to total assets | 91.3200% | 1,112 |
| Equity capital to assets | 7.9904% | 2,901 |
| Core capital (leverage) ratio | 8.9867% | 3,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0448% | 2,801 |
| Memoranda: | ||
| Average total assets | $1,225,894,000 | 846 |
| Average earning assets | $1,165,251,500 | 817 |
| Average equity | $102,695,000 | 944 |
| Average total loans | $875,805,000 | 765 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4752% | 2,206 |
| Cost of funding earning assets | 0.1913% | 3,031 |
| Net interest margin | 3.2839% | 1,953 |
| Noninterest income to average assets | 0.6084% | 1,703 |
| Noninterest expense to average assets | 2.6969% | 1,399 |
| Loan and lease loss provision to assets | 0.0276% | 2,099 |
| Net operating income to assets | 0.8025% | 2,948 |
| Return on assets (ROA) | 0.7993% | 2,928 |
| Pretax return on assets | 0.9925% | 2,762 |
| Return on Equity (ROE) | 9.3961% | 2,565 |
| Retained earnings to average equity (ytd only) | -4.4504% | 4,517 |
| Net charge-offs to loans | -0.0002% | 2,966 |
| Credit loss provision to net charge-offs | -16,900.0000% | 3,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9001% | 1,739 |
| Assets per employee ($millions) | 5.5572% | 3,165 |
| Cash dividends to net income (ytd only)* | 147.3641% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1328% | 3,018 |
| Loan loss allowance to noncurrent loans | 98.5661% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 0.8347% | 619 |
| Noncurrent loans to loans | 1.1493% | 705 |
| Net loans and leases to total assets | 71.8050% | 1,122 |
| Net loans and leases to deposits | 78.6253% | 1,492 |
| Net loans and leases to core deposits | 79.4195% | 1,755 |
| Total domestic deposits to total assets | 91.3257% | 1,094 |
| Equity capital to assets | 8.0281% | 3,102 |
| Core capital (leverage) ratio | 8.6409% | 3,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8741% | 2,842 |
| Memoranda: | ||
| Average total assets | $1,224,589,667 | 840 |
| Average earning assets | $1,160,696,333 | 821 |
| Average equity | $104,171,333 | 939 |
| Average total loans | $866,643,333 | 759 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3394% | 2,266 |
| Cost of funding earning assets | 0.1906% | 2,936 |
| Net interest margin | 3.1488% | 2,025 |
| Noninterest income to average assets | 0.6176% | 1,614 |
| Noninterest expense to average assets | 2.6418% | 1,500 |
| Loan and lease loss provision to assets | 0.0919% | 899 |
| Net operating income to assets | 0.8730% | 2,400 |
| Return on assets (ROA) | 0.8665% | 2,420 |
| Pretax return on assets | 0.8665% | 2,895 |
| Return on Equity (ROE) | 9.9119% | 1,991 |
| Retained earnings to average equity (ytd only) | 5.6045% | 2,378 |
| Net charge-offs to loans | -0.0060% | 3,404 |
| Credit loss provision to net charge-offs | -2,176.9231% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6511% | 1,891 |
| Assets per employee ($millions) | 5.8926% | 2,903 |
| Cash dividends to net income (ytd only)* | 43.4571% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 3,103 |
| Loan loss allowance to noncurrent loans | 100.0595% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 0.8190% | 668 |
| Noncurrent loans to loans | 1.1488% | 774 |
| Net loans and leases to total assets | 70.4795% | 974 |
| Net loans and leases to deposits | 77.8667% | 1,298 |
| Net loans and leases to core deposits | 79.1434% | 1,542 |
| Total domestic deposits to total assets | 90.5130% | 1,289 |
| Equity capital to assets | 8.5400% | 3,121 |
| Core capital (leverage) ratio | 8.9220% | 3,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6350% | 2,736 |
| Memoranda: | ||
| Average total assets | $1,231,148,500 | 836 |
| Average earning assets | $1,168,711,000 | 821 |
| Average equity | $107,628,000 | 945 |
| Average total loans | $860,032,500 | 753 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5399% | 2,543 |
| Cost of funding earning assets | 0.2245% | 3,200 |
| Net interest margin | 3.3154% | 2,267 |
| Noninterest income to average assets | 0.7903% | 1,471 |
| Noninterest expense to average assets | 2.5961% | 1,878 |
| Loan and lease loss provision to assets | -0.0812% | 4,477 |
| Net operating income to assets | 1.2855% | 1,645 |
| Return on assets (ROA) | 1.2875% | 1,689 |
| Pretax return on assets | 1.4241% | 1,964 |
| Return on Equity (ROE) | 14.2586% | 1,112 |
| Retained earnings to average equity (ytd only) | 8.0036% | 1,543 |
| Net charge-offs to loans | -0.0380% | 4,209 |
| Credit loss provision to net charge-offs | 301.5823% | 1,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3261% | 2,357 |
| Assets per employee ($millions) | 5.9745% | 2,803 |
| Cash dividends to net income (ytd only)* | 43.8682% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 3,063 |
| Loan loss allowance to noncurrent loans | 88.6606% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 0.8978% | 655 |
| Noncurrent loans to loans | 1.3124% | 719 |
| Net loans and leases to total assets | 67.6163% | 1,314 |
| Net loans and leases to deposits | 75.6161% | 1,595 |
| Net loans and leases to core deposits | 76.9977% | 1,841 |
| Total domestic deposits to total assets | 89.4205% | 1,286 |
| Equity capital to assets | 8.9443% | 3,684 |
| Core capital (leverage) ratio | 8.8546% | 3,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7695% | 2,708 |
| Memoranda: | ||
| Average total assets | $1,174,194,000 | 843 |
| Average earning assets | $1,114,347,400 | 825 |
| Average equity | $106,027,000 | 964 |
| Average total loans | $830,504,800 | 775 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5805% | 2,608 |
| Cost of funding earning assets | 0.2327% | 3,294 |
| Net interest margin | 3.3478% | 2,297 |
| Noninterest income to average assets | 0.8395% | 1,416 |
| Noninterest expense to average assets | 2.7130% | 1,555 |
| Loan and lease loss provision to assets | -0.0955% | 4,590 |
| Net operating income to assets | 1.2139% | 2,120 |
| Return on assets (ROA) | 1.2153% | 2,171 |
| Pretax return on assets | 1.3997% | 2,330 |
| Return on Equity (ROE) | 13.4253% | 1,568 |
| Retained earnings to average equity (ytd only) | 5.8226% | 2,906 |
| Net charge-offs to loans | -0.0466% | 4,327 |
| Credit loss provision to net charge-offs | 287.5433% | 1,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9329% | 1,978 |
| Assets per employee ($millions) | 5.7985% | 2,893 |
| Cash dividends to net income (ytd only)* | 56.6295% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1883% | 3,045 |
| Loan loss allowance to noncurrent loans | 89.3909% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 0.9234% | 734 |
| Noncurrent loans to loans | 1.3293% | 808 |
| Net loans and leases to total assets | 68.5317% | 1,253 |
| Net loans and leases to deposits | 76.4600% | 1,628 |
| Net loans and leases to core deposits | 77.8653% | 1,899 |
| Total domestic deposits to total assets | 89.6308% | 947 |
| Equity capital to assets | 8.8492% | 3,958 |
| Core capital (leverage) ratio | 8.7527% | 3,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5314% | 2,850 |
| Memoranda: | ||
| Average total assets | $1,160,055,750 | 859 |
| Average earning assets | $1,100,553,750 | 844 |
| Average equity | $105,013,250 | 987 |
| Average total loans | $827,635,500 | 794 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5899% | 2,659 |
| Cost of funding earning assets | 0.2451% | 3,324 |
| Net interest margin | 3.3448% | 2,315 |
| Noninterest income to average assets | 0.9056% | 1,261 |
| Noninterest expense to average assets | 2.5002% | 2,143 |
| Loan and lease loss provision to assets | -0.0890% | 4,603 |
| Net operating income to assets | 1.3880% | 1,590 |
| Return on assets (ROA) | 1.3894% | 1,661 |
| Pretax return on assets | 1.6692% | 1,563 |
| Return on Equity (ROE) | 15.2296% | 1,099 |
| Retained earnings to average equity (ytd only) | 9.1978% | 1,649 |
| Net charge-offs to loans | -0.0286% | 4,142 |
| Credit loss provision to net charge-offs | 432.2034% | 730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6398% | 2,920 |
| Assets per employee ($millions) | 5.7546% | 2,845 |
| Cash dividends to net income (ytd only)* | 39.6058% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2044% | 2,911 |
| Loan loss allowance to noncurrent loans | 88.8673% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 0.9688% | 786 |
| Noncurrent loans to loans | 1.3553% | 862 |
| Net loans and leases to total assets | 70.5117% | 1,142 |
| Net loans and leases to deposits | 78.8994% | 1,528 |
| Net loans and leases to core deposits | 80.3261% | 1,863 |
| Total domestic deposits to total assets | 89.3691% | 1,097 |
| Equity capital to assets | 9.1215% | 3,685 |
| Core capital (leverage) ratio | 8.9332% | 3,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5935% | 2,834 |
| Memoranda: | ||
| Average total assets | $1,146,646,667 | 862 |
| Average earning assets | $1,087,783,000 | 844 |
| Average equity | $104,612,333 | 982 |
| Average total loans | $826,025,333 | 798 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6688% | 2,444 |
| Cost of funding earning assets | 0.2649% | 3,332 |
| Net interest margin | 3.4039% | 2,100 |
| Noninterest income to average assets | 0.9346% | 1,245 |
| Noninterest expense to average assets | 2.4200% | 2,436 |
| Loan and lease loss provision to assets | -0.1704% | 4,790 |
| Net operating income to assets | 1.9153% | 648 |
| Return on assets (ROA) | 1.9189% | 691 |
| Pretax return on assets | 1.9189% | 1,082 |
| Return on Equity (ROE) | 21.0303% | 466 |
| Retained earnings to average equity (ytd only) | 14.5695% | 676 |
| Net charge-offs to loans | -0.0355% | 4,248 |
| Credit loss provision to net charge-offs | 663.0137% | 530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4364% | 3,375 |
| Assets per employee ($millions) | 5.8220% | 2,772 |
| Cash dividends to net income (ytd only)* | 30.7212% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2183% | 2,828 |
| Loan loss allowance to noncurrent loans | 86.9750% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 1.0168% | 806 |
| Noncurrent loans to loans | 1.4007% | 904 |
| Net loans and leases to total assets | 70.5003% | 1,229 |
| Net loans and leases to deposits | 78.7713% | 1,639 |
| Net loans and leases to core deposits | 80.9243% | 1,920 |
| Total domestic deposits to total assets | 89.5001% | 1,066 |
| Equity capital to assets | 9.1415% | 3,550 |
| Core capital (leverage) ratio | 9.1068% | 3,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9222% | 2,696 |
| Memoranda: | ||
| Average total assets | $1,135,880,500 | 859 |
| Average earning assets | $1,077,955,000 | 841 |
| Average equity | $103,641,000 | 980 |
| Average total loans | $822,165,500 | 796 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1784% | 2,205 |
| Cost of funding earning assets | 0.5130% | 2,866 |
| Net interest margin | 3.6655% | 1,926 |
| Noninterest income to average assets | 1.1034% | 871 |
| Noninterest expense to average assets | 2.9012% | 1,679 |
| Loan and lease loss provision to assets | 0.2761% | 1,386 |
| Net operating income to assets | 1.3358% | 1,160 |
| Return on assets (ROA) | 1.3607% | 1,196 |
| Pretax return on assets | 1.4581% | 1,479 |
| Return on Equity (ROE) | 14.2124% | 761 |
| Retained earnings to average equity (ytd only) | 10.7205% | 466 |
| Net charge-offs to loans | 0.0155% | 2,794 |
| Credit loss provision to net charge-offs | 2,186.5079% | 413 |
| Earnings coverage of net charge-offs (x) | 135.2222% | 629 |
| Efficiency ratio | 62.2627% | 3,081 |
| Assets per employee ($millions) | 5.8587% | 2,487 |
| Cash dividends to net income (ytd only)* | 24.5692% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 2,571 |
| Loan loss allowance to noncurrent loans | 86.5246% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 1.0953% | 837 |
| Noncurrent loans to loans | 1.4677% | 913 |
| Net loans and leases to total assets | 72.4910% | 1,228 |
| Net loans and leases to deposits | 81.3454% | 1,724 |
| Net loans and leases to core deposits | 84.4272% | 2,000 |
| Total domestic deposits to total assets | 89.1150% | 937 |
| Equity capital to assets | 9.1066% | 3,969 |
| Core capital (leverage) ratio | 9.0087% | 3,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7433% | 2,715 |
| Memoranda: | ||
| Average total assets | $997,888,000 | 885 |
| Average earning assets | $954,261,600 | 852 |
| Average equity | $95,536,200 | 999 |
| Average total loans | $812,523,400 | 773 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2609% | 2,221 |
| Cost of funding earning assets | 0.5706% | 2,799 |
| Net interest margin | 3.6903% | 1,975 |
| Noninterest income to average assets | 0.9812% | 1,056 |
| Noninterest expense to average assets | 2.7182% | 2,208 |
| Loan and lease loss provision to assets | 0.5795% | 450 |
| Net operating income to assets | 1.2186% | 1,581 |
| Return on assets (ROA) | 1.2476% | 1,604 |
| Pretax return on assets | 1.2476% | 2,235 |
| Return on Equity (ROE) | 12.8498% | 1,155 |
| Retained earnings to average equity (ytd only) | 10.6741% | 633 |
| Net charge-offs to loans | 0.0252% | 2,331 |
| Credit loss provision to net charge-offs | 2,748.3660% | 369 |
| Earnings coverage of net charge-offs (x) | 85.2876% | 885 |
| Efficiency ratio | 59.4612% | 3,458 |
| Assets per employee ($millions) | 5.3810% | 2,812 |
| Cash dividends to net income (ytd only)* | 16.9317% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 1,784 |
| Loan loss allowance to noncurrent loans | 89.1705% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 1.3002% | 729 |
| Noncurrent loans to loans | 1.5574% | 911 |
| Net loans and leases to total assets | 79.4235% | 667 |
| Net loans and leases to deposits | 89.2066% | 1,347 |
| Net loans and leases to core deposits | 92.9530% | 1,713 |
| Total domestic deposits to total assets | 89.0331% | 751 |
| Equity capital to assets | 9.3532% | 3,817 |
| Core capital (leverage) ratio | 9.2560% | 3,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5174% | 2,786 |
| Memoranda: | ||
| Average total assets | $967,609,250 | 894 |
| Average earning assets | $926,917,750 | 866 |
| Average equity | $93,944,500 | 1,008 |
| Average total loans | $810,251,750 | 769 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3898% | 2,241 |
| Cost of funding earning assets | 0.6292% | 2,817 |
| Net interest margin | 3.7606% | 1,954 |
| Noninterest income to average assets | 0.8038% | 1,424 |
| Noninterest expense to average assets | 2.7823% | 2,134 |
| Loan and lease loss provision to assets | 0.7289% | 369 |
| Net operating income to assets | 0.8911% | 2,721 |
| Return on assets (ROA) | 0.9360% | 2,684 |
| Pretax return on assets | 0.9360% | 3,213 |
| Return on Equity (ROE) | 9.5088% | 2,148 |
| Retained earnings to average equity (ytd only) | 6.1729% | 2,003 |
| Net charge-offs to loans | 0.0473% | 1,807 |
| Credit loss provision to net charge-offs | 1,815.9574% | 524 |
| Earnings coverage of net charge-offs (x) | 40.3617% | 1,238 |
| Efficiency ratio | 62.4297% | 3,057 |
| Assets per employee ($millions) | 5.3155% | 2,822 |
| Cash dividends to net income (ytd only)* | 35.0821% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 2,045 |
| Loan loss allowance to noncurrent loans | 79.9058% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 1.4162% | 681 |
| Noncurrent loans to loans | 1.6160% | 909 |
| Net loans and leases to total assets | 80.9361% | 505 |
| Net loans and leases to deposits | 90.6542% | 1,289 |
| Net loans and leases to core deposits | 94.2711% | 1,718 |
| Total domestic deposits to total assets | 89.2801% | 649 |
| Equity capital to assets | 9.0531% | 4,041 |
| Core capital (leverage) ratio | 9.3575% | 3,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1157% | 2,937 |
| Memoranda: | ||
| Average total assets | $936,793,333 | 905 |
| Average earning assets | $896,402,333 | 878 |
| Average equity | $92,209,667 | 1,015 |
| Average total loans | $795,738,667 | 773 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6484% | 1,862 |
| Cost of funding earning assets | 0.7271% | 2,797 |
| Net interest margin | 3.9214% | 1,601 |
| Noninterest income to average assets | 0.7654% | 1,412 |
| Noninterest expense to average assets | 3.0086% | 1,871 |
| Loan and lease loss provision to assets | 0.5971% | 467 |
| Net operating income to assets | 0.9047% | 2,509 |
| Return on assets (ROA) | 0.9983% | 2,284 |
| Pretax return on assets | 0.9983% | 2,844 |
| Return on Equity (ROE) | 9.6846% | 1,849 |
| Retained earnings to average equity (ytd only) | 2.9269% | 3,115 |
| Net charge-offs to loans | -0.0146% | 4,208 |
| Credit loss provision to net charge-offs | -4,714.2857% | 3,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9111% | 2,976 |
| Assets per employee ($millions) | 4.4473% | 3,337 |
| Cash dividends to net income (ytd only)* | 69.7780% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 2,741 |
| Loan loss allowance to noncurrent loans | 64.4124% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 1.7818% | 520 |
| Noncurrent loans to loans | 1.8419% | 809 |
| Net loans and leases to total assets | 86.1403% | 134 |
| Net loans and leases to deposits | 97.6793% | 756 |
| Net loans and leases to core deposits | 104.0248% | 1,183 |
| Total domestic deposits to total assets | 88.1869% | 1,024 |
| Equity capital to assets | 10.3696% | 3,458 |
| Core capital (leverage) ratio | 10.1926% | 3,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7475% | 3,170 |
| Memoranda: | ||
| Average total assets | $884,268,000 | 926 |
| Average earning assets | $844,503,500 | 898 |
| Average equity | $91,155,000 | 1,023 |
| Average total loans | $766,478,500 | 773 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 2,935 |
| Cost of funding earning assets | 0.7189% | 3,074 |
| Net interest margin | 3.7828% | 2,560 |
| Noninterest income to average assets | 0.7488% | 1,632 |
| Noninterest expense to average assets | 2.8092% | 2,570 |
| Loan and lease loss provision to assets | 0.1638% | 1,273 |
| Net operating income to assets | 1.3421% | 1,536 |
| Return on assets (ROA) | 1.3421% | 1,614 |
| Pretax return on assets | 1.3825% | 2,227 |
| Return on Equity (ROE) | 13.0944% | 1,140 |
| Retained earnings to average equity (ytd only) | 5.1397% | 2,348 |
| Net charge-offs to loans | 0.0009% | 3,697 |
| Credit loss provision to net charge-offs | 20,585.7143% | 14 |
| Earnings coverage of net charge-offs (x) | 1,943.2857% | 35 |
| Efficiency ratio | 63.8262% | 3,092 |
| Assets per employee ($millions) | 4.4177% | 3,350 |
| Cash dividends to net income (ytd only)* | 60.7488% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0250% | 3,344 |
| Loan loss allowance to noncurrent loans | 40.9970% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 2.3745% | 287 |
| Noncurrent loans to loans | 2.5002% | 429 |
| Net loans and leases to total assets | 85.3001% | 217 |
| Net loans and leases to deposits | 96.2222% | 918 |
| Net loans and leases to core deposits | 103.5713% | 1,260 |
| Total domestic deposits to total assets | 88.6491% | 818 |
| Equity capital to assets | 10.2473% | 3,684 |
| Core capital (leverage) ratio | 9.8707% | 3,651 |
| Tier 1 risk-based capital ratio | 10.7668% | 4,940 |
| Total risk-based capital ratio | 11.7255% | 4,955 |
| Memoranda: | ||
| Average total assets | $879,695,000 | 893 |
| Average earning assets | $838,752,400 | 861 |
| Average equity | $90,160,800 | 976 |
| Average total loans | $754,080,800 | 760 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8117% | 2,084 |
| Cost of funding earning assets | 0.7637% | 2,900 |
| Net interest margin | 4.0480% | 1,774 |
| Noninterest income to average assets | 0.6623% | 1,940 |
| Noninterest expense to average assets | 2.8133% | 2,527 |
| Loan and lease loss provision to assets | 0.1890% | 948 |
| Net operating income to assets | 1.5025% | 1,178 |
| Return on assets (ROA) | 1.5025% | 1,236 |
| Pretax return on assets | 1.5313% | 1,868 |
| Return on Equity (ROE) | 14.1192% | 958 |
| Retained earnings to average equity (ytd only) | 3.2329% | 3,791 |
| Net charge-offs to loans | 0.0183% | 2,769 |
| Credit loss provision to net charge-offs | 1,170.6522% | 309 |
| Earnings coverage of net charge-offs (x) | 106.5357% | 717 |
| Efficiency ratio | 61.4852% | 3,409 |
| Assets per employee ($millions) | 4.5895% | 3,066 |
| Cash dividends to net income (ytd only)* | 77.1028% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 3,305 |
| Loan loss allowance to noncurrent loans | 174.6024% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.6020% | 2,201 |
| Noncurrent loans to loans | 0.5998% | 2,482 |
| Net loans and leases to total assets | 89.0843% | 63 |
| Net loans and leases to deposits | 100.5379% | 595 |
| Net loans and leases to core deposits | 111.9699% | 846 |
| Total domestic deposits to total assets | 88.6077% | 781 |
| Equity capital to assets | 10.4858% | 3,554 |
| Core capital (leverage) ratio | 10.5312% | 3,085 |
| Tier 1 risk-based capital ratio | 10.6670% | 5,033 |
| Total risk-based capital ratio | 11.6478% | 5,034 |
| Memoranda: | ||
| Average total assets | $759,608,750 | 1,016 |
| Average earning assets | $726,468,250 | 985 |
| Average equity | $80,833,750 | 1,076 |
| Average total loans | $670,561,000 | 841 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7566% | 2,203 |
| Cost of funding earning assets | 0.7404% | 2,943 |
| Net interest margin | 4.0163% | 1,868 |
| Noninterest income to average assets | 0.5976% | 2,169 |
| Noninterest expense to average assets | 2.7898% | 2,629 |
| Loan and lease loss provision to assets | 0.1841% | 967 |
| Net operating income to assets | 1.5007% | 1,148 |
| Return on assets (ROA) | 1.5007% | 1,198 |
| Pretax return on assets | 1.4677% | 1,965 |
| Return on Equity (ROE) | 14.0310% | 974 |
| Retained earnings to average equity (ytd only) | 1.6172% | 4,240 |
| Net charge-offs to loans | 0.0182% | 2,509 |
| Credit loss provision to net charge-offs | 1,155.0000% | 303 |
| Earnings coverage of net charge-offs (x) | 103.6167% | 679 |
| Efficiency ratio | 62.2241% | 3,397 |
| Assets per employee ($millions) | 4.4590% | 3,207 |
| Cash dividends to net income (ytd only)* | 88.4738% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0276% | 3,452 |
| Loan loss allowance to noncurrent loans | 160.0183% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.6586% | 2,065 |
| Noncurrent loans to loans | 0.6421% | 2,335 |
| Net loans and leases to total assets | 90.0542% | 55 |
| Net loans and leases to deposits | 101.7969% | 557 |
| Net loans and leases to core deposits | 114.6369% | 750 |
| Total domestic deposits to total assets | 88.4646% | 889 |
| Equity capital to assets | 10.7128% | 3,334 |
| Core capital (leverage) ratio | 10.6076% | 2,978 |
| Tier 1 risk-based capital ratio | 10.8099% | 4,987 |
| Total risk-based capital ratio | 11.7736% | 5,013 |
| Memoranda: | ||
| Average total assets | $752,739,000 | 1,028 |
| Average earning assets | $720,469,000 | 996 |
| Average equity | $80,507,670 | 1,075 |
| Average total loans | $659,945,330 | 850 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6612% | 2,342 |
| Cost of funding earning assets | 0.7019% | 3,046 |
| Net interest margin | 3.9593% | 1,991 |
| Noninterest income to average assets | 0.5736% | 2,163 |
| Noninterest expense to average assets | 2.6601% | 3,030 |
| Loan and lease loss provision to assets | 0.2285% | 674 |
| Net operating income to assets | 1.6927% | 739 |
| Return on assets (ROA) | 1.6927% | 764 |
| Pretax return on assets | 1.4796% | 1,839 |
| Return on Equity (ROE) | 15.8392% | 608 |
| Retained earnings to average equity (ytd only) | 15.8392% | 232 |
| Net charge-offs to loans | 0.0598% | 1,439 |
| Credit loss provision to net charge-offs | 444.3299% | 653 |
| Earnings coverage of net charge-offs (x) | 33.2165% | 1,266 |
| Efficiency ratio | 60.3034% | 3,765 |
| Assets per employee ($millions) | 4.4572% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0204% | 3,577 |
| Loan loss allowance to noncurrent loans | 141.0688% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.6407% | 2,164 |
| Noncurrent loans to loans | 0.7234% | 2,214 |
| Net loans and leases to total assets | 86.3385% | 167 |
| Net loans and leases to deposits | 97.7534% | 805 |
| Net loans and leases to core deposits | 108.8897% | 994 |
| Total domestic deposits to total assets | 88.3227% | 1,170 |
| Equity capital to assets | 10.9486% | 2,906 |
| Core capital (leverage) ratio | 10.8647% | 2,699 |
| Tier 1 risk-based capital ratio | 11.6629% | 4,646 |
| Total risk-based capital ratio | 12.6284% | 4,705 |
| Memoranda: | ||
| Average total assets | $754,548,500 | 1,023 |
| Average earning assets | $723,162,000 | 992 |
| Average equity | $80,635,500 | 1,068 |
| Average total loans | $649,109,000 | 861 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5708% | 2,230 |
| Cost of funding earning assets | 0.5923% | 2,781 |
| Net interest margin | 3.9784% | 2,064 |
| Noninterest income to average assets | 0.5855% | 2,371 |
| Noninterest expense to average assets | 2.8484% | 2,522 |
| Loan and lease loss provision to assets | 0.1671% | 1,208 |
| Net operating income to assets | 1.2579% | 1,950 |
| Return on assets (ROA) | 1.2345% | 2,023 |
| Pretax return on assets | 1.3448% | 2,342 |
| Return on Equity (ROE) | 12.1243% | 1,671 |
| Retained earnings to average equity (ytd only) | 4.0100% | 3,366 |
| Net charge-offs to loans | 0.0497% | 2,444 |
| Credit loss provision to net charge-offs | 386.4952% | 849 |
| Earnings coverage of net charge-offs (x) | 35.5659% | 1,432 |
| Efficiency ratio | 64.3237% | 3,139 |
| Assets per employee ($millions) | 4.5532% | 3,081 |
| Cash dividends to net income (ytd only)* | 66.9256% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9937% | 3,737 |
| Loan loss allowance to noncurrent loans | 141.3579% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.6064% | 2,222 |
| Noncurrent loans to loans | 0.7030% | 2,234 |
| Net loans and leases to total assets | 83.9849% | 418 |
| Net loans and leases to deposits | 94.7608% | 1,197 |
| Net loans and leases to core deposits | 105.6632% | 1,293 |
| Total domestic deposits to total assets | 88.6282% | 1,011 |
| Equity capital to assets | 10.4255% | 3,260 |
| Core capital (leverage) ratio | 10.5301% | 2,991 |
| Tier 1 risk-based capital ratio | 11.5580% | 4,696 |
| Total risk-based capital ratio | 12.5062% | 4,750 |
| Memoranda: | ||
| Average total assets | $719,535,400 | 1,036 |
| Average earning assets | $687,282,200 | 1,001 |
| Average equity | $73,266,200 | 1,112 |
| Average total loans | $625,183,000 | 861 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5433% | 2,146 |
| Cost of funding earning assets | 0.5619% | 2,775 |
| Net interest margin | 3.9814% | 2,008 |
| Noninterest income to average assets | 0.5870% | 2,378 |
| Noninterest expense to average assets | 2.8904% | 2,329 |
| Loan and lease loss provision to assets | 0.1175% | 1,728 |
| Net operating income to assets | 1.3782% | 1,560 |
| Return on assets (ROA) | 1.3782% | 1,565 |
| Pretax return on assets | 1.3797% | 2,300 |
| Return on Equity (ROE) | 13.6218% | 1,227 |
| Retained earnings to average equity (ytd only) | 4.4645% | 3,515 |
| Net charge-offs to loans | 0.0152% | 2,877 |
| Credit loss provision to net charge-offs | 881.6901% | 452 |
| Earnings coverage of net charge-offs (x) | 112.3713% | 687 |
| Efficiency ratio | 65.2481% | 2,997 |
| Assets per employee ($millions) | 4.3521% | 3,355 |
| Cash dividends to net income (ytd only)* | 67.2249% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9571% | 4,025 |
| Loan loss allowance to noncurrent loans | 131.9991% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.6595% | 2,215 |
| Noncurrent loans to loans | 0.7251% | 2,268 |
| Net loans and leases to total assets | 85.9259% | 268 |
| Net loans and leases to deposits | 96.4201% | 1,100 |
| Net loans and leases to core deposits | 107.7310% | 1,190 |
| Total domestic deposits to total assets | 89.1161% | 808 |
| Equity capital to assets | 10.0246% | 3,616 |
| Core capital (leverage) ratio | 9.8878% | 3,757 |
| Tier 1 risk-based capital ratio | 11.0377% | 5,017 |
| Total risk-based capital ratio | 11.9628% | 5,070 |
| Memoranda: | ||
| Average total assets | $710,462,000 | 1,044 |
| Average earning assets | $678,196,500 | 1,019 |
| Average equity | $71,883,000 | 1,134 |
| Average total loans | $621,190,500 | 867 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4811% | 2,158 |
| Cost of funding earning assets | 0.5272% | 2,785 |
| Net interest margin | 3.9539% | 2,023 |
| Noninterest income to average assets | 0.5711% | 2,468 |
| Noninterest expense to average assets | 2.9307% | 2,257 |
| Loan and lease loss provision to assets | 0.1401% | 1,393 |
| Net operating income to assets | 1.2692% | 1,902 |
| Return on assets (ROA) | 1.2692% | 1,902 |
| Pretax return on assets | 1.2706% | 2,631 |
| Return on Equity (ROE) | 12.5046% | 1,545 |
| Retained earnings to average equity (ytd only) | 4.4244% | 3,388 |
| Net charge-offs to loans | 0.0181% | 2,534 |
| Credit loss provision to net charge-offs | 882.1429% | 462 |
| Earnings coverage of net charge-offs (x) | 88.8036% | 758 |
| Efficiency ratio | 66.8649% | 2,845 |
| Assets per employee ($millions) | 4.3239% | 3,396 |
| Cash dividends to net income (ytd only)* | 64.6178% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9466% | 4,132 |
| Loan loss allowance to noncurrent loans | 140.0047% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.6176% | 2,371 |
| Noncurrent loans to loans | 0.6761% | 2,413 |
| Net loans and leases to total assets | 85.2525% | 330 |
| Net loans and leases to deposits | 95.4844% | 1,197 |
| Net loans and leases to core deposits | 107.0217% | 1,179 |
| Total domestic deposits to total assets | 89.2843% | 824 |
| Equity capital to assets | 9.9345% | 3,689 |
| Core capital (leverage) ratio | 10.0829% | 3,495 |
| Tier 1 risk-based capital ratio | 10.9845% | 5,059 |
| Total risk-based capital ratio | 11.8994% | 5,107 |
| Memoranda: | ||
| Average total assets | $705,015,670 | 1,057 |
| Average earning assets | $672,293,330 | 1,033 |
| Average equity | $71,557,670 | 1,138 |
| Average total loans | $618,072,330 | 870 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4324% | 2,082 |
| Cost of funding earning assets | 0.4846% | 2,912 |
| Net interest margin | 3.9478% | 1,873 |
| Noninterest income to average assets | 0.5634% | 2,458 |
| Noninterest expense to average assets | 2.8886% | 2,414 |
| Loan and lease loss provision to assets | 0.1820% | 940 |
| Net operating income to assets | 1.2548% | 1,790 |
| Return on assets (ROA) | 1.2548% | 1,802 |
| Pretax return on assets | 1.2565% | 2,527 |
| Return on Equity (ROE) | 12.2267% | 1,497 |
| Retained earnings to average equity (ytd only) | 6.6747% | 2,424 |
| Net charge-offs to loans | 0.0208% | 2,081 |
| Credit loss provision to net charge-offs | 987.5000% | 351 |
| Earnings coverage of net charge-offs (x) | 78.0313% | 715 |
| Efficiency ratio | 66.1030% | 3,141 |
| Assets per employee ($millions) | 4.2858% | 3,511 |
| Cash dividends to net income (ytd only)* | 45.4086% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9228% | 4,342 |
| Loan loss allowance to noncurrent loans | 130.2010% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.7212% | 2,156 |
| Noncurrent loans to loans | 0.7088% | 2,441 |
| Net loans and leases to total assets | 89.1324% | 88 |
| Net loans and leases to deposits | 100.2498% | 686 |
| Net loans and leases to core deposits | 111.8945% | 898 |
| Total domestic deposits to total assets | 88.9103% | 1,141 |
| Equity capital to assets | 10.3298% | 3,242 |
| Core capital (leverage) ratio | 10.3372% | 3,136 |
| Tier 1 risk-based capital ratio | 10.8148% | 5,241 |
| Total risk-based capital ratio | 11.6985% | 5,285 |
| Memoranda: | ||
| Average total assets | $694,318,500 | 1,078 |
| Average earning assets | $661,946,000 | 1,052 |
| Average equity | $71,254,000 | 1,148 |
| Average total loans | $614,508,000 | 877 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4428% | 1,908 |
| Cost of funding earning assets | 0.4112% | 3,148 |
| Net interest margin | 4.0316% | 1,652 |
| Noninterest income to average assets | 0.5602% | 2,655 |
| Noninterest expense to average assets | 2.9374% | 2,324 |
| Loan and lease loss provision to assets | 0.0449% | 3,344 |
| Net operating income to assets | 1.4217% | 972 |
| Return on assets (ROA) | 1.4172% | 998 |
| Pretax return on assets | 1.4184% | 1,931 |
| Return on Equity (ROE) | 13.7643% | 796 |
| Retained earnings to average equity (ytd only) | 4.5973% | 2,394 |
| Net charge-offs to loans | 0.1786% | 1,399 |
| Credit loss provision to net charge-offs | 28.2752% | 3,550 |
| Earnings coverage of net charge-offs (x) | 9.2526% | 2,812 |
| Efficiency ratio | 65.9788% | 3,273 |
| Assets per employee ($millions) | 4.2861% | 3,510 |
| Cash dividends to net income (ytd only)* | 66.5999% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9067% | 4,447 |
| Loan loss allowance to noncurrent loans | 129.6121% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.6878% | 2,252 |
| Noncurrent loans to loans | 0.6995% | 2,457 |
| Net loans and leases to total assets | 86.2587% | 236 |
| Net loans and leases to deposits | 97.0454% | 987 |
| Net loans and leases to core deposits | 108.0414% | 1,129 |
| Total domestic deposits to total assets | 88.8849% | 1,053 |
| Equity capital to assets | 10.1951% | 3,496 |
| Core capital (leverage) ratio | 10.0651% | 3,368 |
| Tier 1 risk-based capital ratio | 10.9143% | 5,194 |
| Total risk-based capital ratio | 11.7778% | 5,264 |
| Memoranda: | ||
| Average total assets | $668,866,000 | 1,093 |
| Average earning assets | $637,887,000 | 1,058 |
| Average equity | $68,866,600 | 1,157 |
| Average total loans | $594,172,000 | 871 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4193% | 1,902 |
| Cost of funding earning assets | 0.3897% | 3,291 |
| Net interest margin | 4.0296% | 1,605 |
| Noninterest income to average assets | 0.5810% | 2,576 |
| Noninterest expense to average assets | 2.9286% | 2,310 |
| Loan and lease loss provision to assets | 0.0298% | 3,523 |
| Net operating income to assets | 1.4651% | 965 |
| Return on assets (ROA) | 1.4651% | 979 |
| Pretax return on assets | 1.4663% | 1,889 |
| Return on Equity (ROE) | 14.1936% | 795 |
| Retained earnings to average equity (ytd only) | 5.0867% | 2,823 |
| Net charge-offs to loans | 0.0701% | 2,122 |
| Credit loss provision to net charge-offs | 47.5884% | 2,938 |
| Earnings coverage of net charge-offs (x) | 23.9033% | 1,795 |
| Efficiency ratio | 65.4826% | 3,290 |
| Assets per employee ($millions) | 4.0999% | 3,827 |
| Cash dividends to net income (ytd only)* | 64.1621% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9913% | 4,113 |
| Loan loss allowance to noncurrent loans | 119.5280% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.8626% | 1,995 |
| Noncurrent loans to loans | 0.8294% | 2,291 |
| Net loans and leases to total assets | 89.1928% | 109 |
| Net loans and leases to deposits | 100.4431% | 716 |
| Net loans and leases to core deposits | 113.0137% | 887 |
| Total domestic deposits to total assets | 88.7993% | 973 |
| Equity capital to assets | 10.3259% | 3,570 |
| Core capital (leverage) ratio | 10.0939% | 3,450 |
| Tier 1 risk-based capital ratio | 10.5331% | 5,438 |
| Total risk-based capital ratio | 11.4665% | 5,495 |
| Memoranda: | ||
| Average total assets | $662,496,250 | 1,106 |
| Average earning assets | $631,937,750 | 1,070 |
| Average equity | $68,386,000 | 1,173 |
| Average total loans | $591,611,750 | 880 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3767% | 1,890 |
| Cost of funding earning assets | 0.3514% | 3,567 |
| Net interest margin | 4.0253% | 1,532 |
| Noninterest income to average assets | 0.5356% | 2,792 |
| Noninterest expense to average assets | 2.9711% | 2,192 |
| Loan and lease loss provision to assets | 0.0786% | 2,411 |
| Net operating income to assets | 1.3201% | 1,251 |
| Return on assets (ROA) | 1.3201% | 1,276 |
| Pretax return on assets | 1.3210% | 2,307 |
| Return on Equity (ROE) | 12.7901% | 1,090 |
| Retained earnings to average equity (ytd only) | 3.1053% | 3,864 |
| Net charge-offs to loans | 0.0236% | 2,749 |
| Credit loss provision to net charge-offs | 373.9130% | 834 |
| Earnings coverage of net charge-offs (x) | 66.5797% | 871 |
| Efficiency ratio | 67.2522% | 3,140 |
| Assets per employee ($millions) | 4.1630% | 3,690 |
| Cash dividends to net income (ytd only)* | 75.7212% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 3,741 |
| Loan loss allowance to noncurrent loans | 112.8070% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.9634% | 1,820 |
| Noncurrent loans to loans | 0.9473% | 2,061 |
| Net loans and leases to total assets | 87.7246% | 163 |
| Net loans and leases to deposits | 98.4870% | 848 |
| Net loans and leases to core deposits | 112.5077% | 875 |
| Total domestic deposits to total assets | 89.0723% | 921 |
| Equity capital to assets | 10.1226% | 3,768 |
| Core capital (leverage) ratio | 10.2401% | 3,220 |
| Tier 1 risk-based capital ratio | 10.5632% | 5,436 |
| Total risk-based capital ratio | 11.5782% | 5,459 |
| Memoranda: | ||
| Average total assets | $656,465,000 | 1,112 |
| Average earning assets | $625,445,000 | 1,082 |
| Average equity | $67,755,670 | 1,181 |
| Average total loans | $584,444,000 | 892 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3415% | 1,845 |
| Cost of funding earning assets | 0.3252% | 3,803 |
| Net interest margin | 4.0163% | 1,431 |
| Noninterest income to average assets | 0.4704% | 3,186 |
| Noninterest expense to average assets | 3.0040% | 2,157 |
| Loan and lease loss provision to assets | 0.1357% | 1,409 |
| Net operating income to assets | 1.1577% | 1,635 |
| Return on assets (ROA) | 1.1577% | 1,673 |
| Pretax return on assets | 1.1583% | 2,749 |
| Return on Equity (ROE) | 11.1043% | 1,529 |
| Retained earnings to average equity (ytd only) | 0.5528% | 4,793 |
| Net charge-offs to loans | 0.0785% | 1,547 |
| Credit loss provision to net charge-offs | 193.8053% | 1,029 |
| Earnings coverage of net charge-offs (x) | 18.4779% | 1,564 |
| Efficiency ratio | 69.1420% | 3,017 |
| Assets per employee ($millions) | 3.9948% | 4,020 |
| Cash dividends to net income (ytd only)* | 95.0214% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 3,770 |
| Loan loss allowance to noncurrent loans | 104.8926% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 1.0741% | 1,670 |
| Noncurrent loans to loans | 1.0387% | 1,984 |
| Net loans and leases to total assets | 88.4770% | 95 |
| Net loans and leases to deposits | 99.5834% | 642 |
| Net loans and leases to core deposits | 111.0794% | 824 |
| Total domestic deposits to total assets | 88.8471% | 1,227 |
| Equity capital to assets | 10.3529% | 3,344 |
| Core capital (leverage) ratio | 10.3271% | 3,080 |
| Tier 1 risk-based capital ratio | 10.7643% | 5,432 |
| Total risk-based capital ratio | 11.8017% | 5,441 |
| Memoranda: | ||
| Average total assets | $645,416,000 | 1,133 |
| Average earning assets | $615,093,500 | 1,102 |
| Average equity | $67,289,500 | 1,185 |
| Average total loans | $575,817,500 | 901 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3621% | 1,945 |
| Cost of funding earning assets | 0.3143% | 3,906 |
| Net interest margin | 4.0478% | 1,503 |
| Noninterest income to average assets | 0.6572% | 2,384 |
| Noninterest expense to average assets | 3.0485% | 2,186 |
| Loan and lease loss provision to assets | 0.0095% | 4,179 |
| Net operating income to assets | 1.4368% | 946 |
| Return on assets (ROA) | 1.4259% | 981 |
| Pretax return on assets | 1.4275% | 1,826 |
| Return on Equity (ROE) | 13.1875% | 954 |
| Retained earnings to average equity (ytd only) | 1.5345% | 4,649 |
| Net charge-offs to loans | 0.1619% | 1,668 |
| Credit loss provision to net charge-offs | 6.6516% | 3,758 |
| Earnings coverage of net charge-offs (x) | 10.1048% | 2,677 |
| Efficiency ratio | 67.0535% | 3,432 |
| Assets per employee ($millions) | 3.9487% | 4,061 |
| Cash dividends to net income (ytd only)* | 88.3639% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 3,732 |
| Loan loss allowance to noncurrent loans | 100.2892% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.2092% | 1,489 |
| Noncurrent loans to loans | 1.0933% | 1,909 |
| Net loans and leases to total assets | 88.0015% | 123 |
| Net loans and leases to deposits | 99.3181% | 716 |
| Net loans and leases to core deposits | 106.6871% | 1,084 |
| Total domestic deposits to total assets | 88.6057% | 1,321 |
| Equity capital to assets | 10.4999% | 3,157 |
| Core capital (leverage) ratio | 10.5680% | 2,810 |
| Tier 1 risk-based capital ratio | 11.0726% | 5,300 |
| Total risk-based capital ratio | 12.1246% | 5,298 |
| Memoranda: | ||
| Average total assets | $618,993,400 | 1,132 |
| Average earning assets | $587,107,200 | 1,107 |
| Average equity | $66,926,800 | 1,169 |
| Average total loans | $547,715,600 | 906 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3614% | 1,973 |
| Cost of funding earning assets | 0.3174% | 3,900 |
| Net interest margin | 4.0440% | 1,547 |
| Noninterest income to average assets | 0.6690% | 2,320 |
| Noninterest expense to average assets | 3.0946% | 2,043 |
| Loan and lease loss provision to assets | 0.0311% | 3,610 |
| Net operating income to assets | 1.3747% | 1,117 |
| Return on assets (ROA) | 1.3747% | 1,186 |
| Pretax return on assets | 1.3763% | 2,139 |
| Return on Equity (ROE) | 12.6198% | 1,145 |
| Retained earnings to average equity (ytd only) | 2.5463% | 4,393 |
| Net charge-offs to loans | 0.0986% | 1,962 |
| Credit loss provision to net charge-offs | 35.6608% | 3,186 |
| Earnings coverage of net charge-offs (x) | 16.1572% | 2,134 |
| Efficiency ratio | 67.9919% | 3,228 |
| Assets per employee ($millions) | 3.7787% | 4,343 |
| Cash dividends to net income (ytd only)* | 79.8230% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 3,095 |
| Loan loss allowance to noncurrent loans | 157.8082% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.9956% | 2,080 |
| Noncurrent loans to loans | 0.7760% | 2,735 |
| Net loans and leases to total assets | 89.1907% | 90 |
| Net loans and leases to deposits | 101.3482% | 618 |
| Net loans and leases to core deposits | 106.6739% | 1,133 |
| Total domestic deposits to total assets | 88.0041% | 1,406 |
| Equity capital to assets | 11.0254% | 2,981 |
| Core capital (leverage) ratio | 10.6603% | 2,822 |
| Tier 1 risk-based capital ratio | 11.4271% | 5,135 |
| Total risk-based capital ratio | 12.6096% | 5,077 |
| Memoranda: | ||
| Average total assets | $613,821,250 | 1,145 |
| Average earning assets | $581,786,750 | 1,121 |
| Average equity | $66,867,000 | 1,180 |
| Average total loans | $542,351,750 | 908 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 2,070 |
| Cost of funding earning assets | 0.3169% | 3,939 |
| Net interest margin | 4.0092% | 1,619 |
| Noninterest income to average assets | 0.6191% | 2,510 |
| Noninterest expense to average assets | 3.0999% | 2,066 |
| Loan and lease loss provision to assets | 0.0431% | 3,286 |
| Net operating income to assets | 1.2748% | 1,350 |
| Return on assets (ROA) | 1.2748% | 1,464 |
| Pretax return on assets | 1.2764% | 2,499 |
| Return on Equity (ROE) | 11.7498% | 1,400 |
| Retained earnings to average equity (ytd only) | 1.1275% | 4,932 |
| Net charge-offs to loans | 0.1131% | 1,695 |
| Credit loss provision to net charge-offs | 43.4211% | 2,739 |
| Earnings coverage of net charge-offs (x) | 13.3059% | 2,137 |
| Efficiency ratio | 69.3756% | 3,080 |
| Assets per employee ($millions) | 3.8863% | 4,110 |
| Cash dividends to net income (ytd only)* | 90.4043% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 2,983 |
| Loan loss allowance to noncurrent loans | 132.8902% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 1.1048% | 1,915 |
| Noncurrent loans to loans | 0.9525% | 2,379 |
| Net loans and leases to total assets | 87.0650% | 191 |
| Net loans and leases to deposits | 98.6352% | 822 |
| Net loans and leases to core deposits | 104.6211% | 1,275 |
| Total domestic deposits to total assets | 88.2697% | 1,288 |
| Equity capital to assets | 10.8381% | 3,248 |
| Core capital (leverage) ratio | 10.8129% | 2,634 |
| Tier 1 risk-based capital ratio | 11.4368% | 5,197 |
| Total risk-based capital ratio | 12.6539% | 5,107 |
| Memoranda: | ||
| Average total assets | $613,121,330 | 1,156 |
| Average earning assets | $581,166,000 | 1,126 |
| Average equity | $66,520,000 | 1,182 |
| Average total loans | $537,750,670 | 910 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3568% | 1,945 |
| Cost of funding earning assets | 0.3189% | 3,958 |
| Net interest margin | 4.0379% | 1,512 |
| Noninterest income to average assets | 0.6242% | 2,393 |
| Noninterest expense to average assets | 3.0895% | 2,124 |
| Loan and lease loss provision to assets | 0.0373% | 3,162 |
| Net operating income to assets | 1.3191% | 1,209 |
| Return on assets (ROA) | 1.3191% | 1,290 |
| Pretax return on assets | 1.3204% | 2,222 |
| Return on Equity (ROE) | 12.1518% | 1,274 |
| Retained earnings to average equity (ytd only) | -0.5551% | 5,211 |
| Net charge-offs to loans | 0.0322% | 2,312 |
| Credit loss provision to net charge-offs | 132.5581% | 1,353 |
| Earnings coverage of net charge-offs (x) | 48.2093% | 902 |
| Efficiency ratio | 68.7040% | 3,347 |
| Assets per employee ($millions) | 3.8369% | 4,236 |
| Cash dividends to net income (ytd only)* | 104.5680% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3301% | 2,758 |
| Loan loss allowance to noncurrent loans | 182.0355% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 1.0189% | 2,168 |
| Noncurrent loans to loans | 0.7307% | 3,009 |
| Net loans and leases to total assets | 87.2220% | 156 |
| Net loans and leases to deposits | 99.0079% | 691 |
| Net loans and leases to core deposits | 104.0347% | 1,189 |
| Total domestic deposits to total assets | 88.0961% | 1,593 |
| Equity capital to assets | 11.0085% | 2,928 |
| Core capital (leverage) ratio | 10.6001% | 2,848 |
| Tier 1 risk-based capital ratio | 11.7279% | 5,096 |
| Total risk-based capital ratio | 12.9784% | 4,998 |
| Memoranda: | ||
| Average total assets | $610,721,000 | 1,157 |
| Average earning assets | $578,226,000 | 1,127 |
| Average equity | $66,294,500 | 1,185 |
| Average total loans | $534,180,500 | 913 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4484% | 1,750 |
| Cost of funding earning assets | 0.3151% | 4,082 |
| Net interest margin | 4.1333% | 1,328 |
| Noninterest income to average assets | 0.5509% | 3,006 |
| Noninterest expense to average assets | 2.9124% | 2,812 |
| Loan and lease loss provision to assets | 0.0084% | 4,228 |
| Net operating income to assets | 1.5394% | 798 |
| Return on assets (ROA) | 1.5394% | 824 |
| Pretax return on assets | 1.5411% | 1,433 |
| Return on Equity (ROE) | 14.0676% | 832 |
| Retained earnings to average equity (ytd only) | 0.0317% | 5,494 |
| Net charge-offs to loans | 0.2981% | 1,014 |
| Credit loss provision to net charge-offs | 3.1796% | 3,878 |
| Earnings coverage of net charge-offs (x) | 5.8448% | 3,320 |
| Efficiency ratio | 64.5392% | 4,158 |
| Assets per employee ($millions) | 4.0727% | 3,811 |
| Cash dividends to net income (ytd only)* | 99.7745% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3192% | 2,797 |
| Loan loss allowance to noncurrent loans | 127.6454% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 1.3212% | 1,611 |
| Noncurrent loans to loans | 1.0335% | 2,267 |
| Net loans and leases to total assets | 85.4197% | 276 |
| Net loans and leases to deposits | 96.7518% | 932 |
| Net loans and leases to core deposits | 102.0992% | 1,354 |
| Total domestic deposits to total assets | 88.2874% | 1,483 |
| Equity capital to assets | 10.7059% | 3,128 |
| Core capital (leverage) ratio | 10.4966% | 2,933 |
| Tier 1 risk-based capital ratio | 11.5383% | 5,223 |
| Total risk-based capital ratio | 12.7885% | 5,136 |
| Memoranda: | ||
| Average total assets | $605,031,600 | 1,123 |
| Average earning assets | $572,498,000 | 1,088 |
| Average equity | $66,209,000 | 1,144 |
| Average total loans | $538,077,000 | 870 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4666% | 1,706 |
| Cost of funding earning assets | 0.3153% | 4,162 |
| Net interest margin | 4.1512% | 1,277 |
| Noninterest income to average assets | 0.5852% | 2,822 |
| Noninterest expense to average assets | 2.8673% | 2,945 |
| Loan and lease loss provision to assets | 0.0299% | 3,636 |
| Net operating income to assets | 1.6139% | 747 |
| Return on assets (ROA) | 1.6139% | 775 |
| Pretax return on assets | 1.6154% | 1,337 |
| Return on Equity (ROE) | 14.6660% | 780 |
| Retained earnings to average equity (ytd only) | 0.2276% | 5,543 |
| Net charge-offs to loans | 0.1985% | 1,295 |
| Credit loss provision to net charge-offs | 16.8329% | 3,388 |
| Earnings coverage of net charge-offs (x) | 9.2556% | 2,716 |
| Efficiency ratio | 62.8273% | 4,435 |
| Assets per employee ($millions) | 3.9573% | 3,959 |
| Cash dividends to net income (ytd only)* | 98.4479% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4568% | 2,342 |
| Loan loss allowance to noncurrent loans | 119.2475% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 1.7131% | 1,261 |
| Noncurrent loans to loans | 1.2217% | 2,089 |
| Net loans and leases to total assets | 88.2967% | 123 |
| Net loans and leases to deposits | 100.1692% | 654 |
| Net loans and leases to core deposits | 107.2930% | 1,017 |
| Total domestic deposits to total assets | 88.1476% | 1,476 |
| Equity capital to assets | 10.8823% | 3,151 |
| Core capital (leverage) ratio | 10.6875% | 2,840 |
| Tier 1 risk-based capital ratio | 11.5223% | 5,362 |
| Total risk-based capital ratio | 12.7744% | 5,284 |
| Memoranda: | ||
| Average total assets | $601,526,250 | 1,143 |
| Average earning assets | $569,103,000 | 1,104 |
| Average equity | $66,192,500 | 1,151 |
| Average total loans | $538,630,750 | 880 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4588% | 1,663 |
| Cost of funding earning assets | 0.3164% | 4,206 |
| Net interest margin | 4.1424% | 1,247 |
| Noninterest income to average assets | 0.5837% | 2,831 |
| Noninterest expense to average assets | 2.8462% | 3,080 |
| Loan and lease loss provision to assets | 0.0114% | 3,884 |
| Net operating income to assets | 1.6420% | 695 |
| Return on assets (ROA) | 1.6420% | 724 |
| Pretax return on assets | 1.6437% | 1,206 |
| Return on Equity (ROE) | 14.8661% | 758 |
| Retained earnings to average equity (ytd only) | -0.1058% | 5,528 |
| Net charge-offs to loans | 0.0701% | 2,389 |
| Credit loss provision to net charge-offs | 18.0851% | 3,034 |
| Earnings coverage of net charge-offs (x) | 26.3617% | 1,487 |
| Efficiency ratio | 62.5121% | 4,592 |
| Assets per employee ($millions) | 3.9605% | 3,957 |
| Cash dividends to net income (ytd only)* | 100.7118% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5441% | 2,095 |
| Loan loss allowance to noncurrent loans | 124.8599% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 1.7716% | 1,313 |
| Noncurrent loans to loans | 1.2367% | 2,181 |
| Net loans and leases to total assets | 90.2851% | 59 |
| Net loans and leases to deposits | 102.6090% | 520 |
| Net loans and leases to core deposits | 111.5649% | 758 |
| Total domestic deposits to total assets | 87.9895% | 1,659 |
| Equity capital to assets | 11.0335% | 2,857 |
| Core capital (leverage) ratio | 10.7875% | 2,628 |
| Tier 1 risk-based capital ratio | 11.4651% | 5,486 |
| Total risk-based capital ratio | 12.7183% | 5,407 |
| Memoranda: | ||
| Average total assets | $598,895,330 | 1,152 |
| Average earning assets | $566,391,670 | 1,115 |
| Average equity | $66,150,330 | 1,159 |
| Average total loans | $536,157,000 | 883 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4342% | 1,649 |
| Cost of funding earning assets | 0.3136% | 4,290 |
| Net interest margin | 4.1207% | 1,226 |
| Noninterest income to average assets | 0.6754% | 2,275 |
| Noninterest expense to average assets | 2.8459% | 3,082 |
| Loan and lease loss provision to assets | 0.1749% | 1,113 |
| Net operating income to assets | 1.5471% | 778 |
| Return on assets (ROA) | 1.5471% | 822 |
| Pretax return on assets | 1.5491% | 1,398 |
| Return on Equity (ROE) | 13.9991% | 878 |
| Retained earnings to average equity (ytd only) | 2.3614% | 4,509 |
| Net charge-offs to loans | 0.1094% | 1,649 |
| Credit loss provision to net charge-offs | 180.6897% | 1,125 |
| Earnings coverage of net charge-offs (x) | 17.8138% | 1,506 |
| Efficiency ratio | 61.9687% | 4,803 |
| Assets per employee ($millions) | 3.9265% | 4,108 |
| Cash dividends to net income (ytd only)* | 83.1320% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6523% | 1,871 |
| Loan loss allowance to noncurrent loans | 125.9766% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 1.9402% | 1,240 |
| Noncurrent loans to loans | 1.3116% | 2,188 |
| Net loans and leases to total assets | 87.1554% | 134 |
| Net loans and leases to deposits | 99.1278% | 613 |
| Net loans and leases to core deposits | 105.4275% | 976 |
| Total domestic deposits to total assets | 87.9223% | 1,875 |
| Equity capital to assets | 11.1419% | 2,818 |
| Core capital (leverage) ratio | 10.8724% | 2,546 |
| Tier 1 risk-based capital ratio | 11.8745% | 5,324 |
| Total risk-based capital ratio | 13.1156% | 5,220 |
| Memoranda: | ||
| Average total assets | $599,322,500 | 1,157 |
| Average earning assets | $566,409,500 | 1,118 |
| Average equity | $66,233,000 | 1,160 |
| Average total loans | $530,030,500 | 889 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6301% | 1,471 |
| Cost of funding earning assets | 0.3378% | 4,388 |
| Net interest margin | 4.2922% | 1,075 |
| Noninterest income to average assets | 0.5333% | 3,283 |
| Noninterest expense to average assets | 2.9738% | 2,918 |
| Loan and lease loss provision to assets | 0.2000% | 1,271 |
| Net operating income to assets | 1.4035% | 1,081 |
| Return on assets (ROA) | 1.4035% | 1,106 |
| Pretax return on assets | 1.4053% | 1,867 |
| Return on Equity (ROE) | 12.2321% | 1,344 |
| Retained earnings to average equity (ytd only) | 0.4315% | 5,581 |
| Net charge-offs to loans | 0.3192% | 1,385 |
| Credit loss provision to net charge-offs | 69.7576% | 3,086 |
| Earnings coverage of net charge-offs (x) | 5.6000% | 3,390 |
| Efficiency ratio | 64.7166% | 4,453 |
| Assets per employee ($millions) | 4.0390% | 3,859 |
| Cash dividends to net income (ytd only)* | 96.4723% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 2,018 |
| Loan loss allowance to noncurrent loans | 111.6117% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 2.0397% | 1,235 |
| Noncurrent loans to loans | 1.4544% | 2,019 |
| Net loans and leases to total assets | 86.8257% | 160 |
| Net loans and leases to deposits | 98.6708% | 708 |
| Net loans and leases to core deposits | 105.5092% | 1,049 |
| Total domestic deposits to total assets | 87.9954% | 1,776 |
| Equity capital to assets | 10.9614% | 2,931 |
| Core capital (leverage) ratio | 10.7746% | 2,643 |
| Tier 1 risk-based capital ratio | 11.9233% | 5,413 |
| Total risk-based capital ratio | 13.1779% | 5,316 |
| Memoranda: | ||
| Average total assets | $575,622,800 | 1,146 |
| Average earning assets | $542,562,000 | 1,115 |
| Average equity | $66,047,400 | 1,112 |
| Average total loans | $516,869,800 | 861 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6574% | 1,415 |
| Cost of funding earning assets | 0.3442% | 4,404 |
| Net interest margin | 4.3132% | 1,022 |
| Noninterest income to average assets | 0.5112% | 3,472 |
| Noninterest expense to average assets | 3.0149% | 2,759 |
| Loan and lease loss provision to assets | 0.1942% | 1,240 |
| Net operating income to assets | 1.3636% | 1,217 |
| Return on assets (ROA) | 1.3636% | 1,253 |
| Pretax return on assets | 1.3652% | 2,141 |
| Return on Equity (ROE) | 11.7453% | 1,545 |
| Retained earnings to average equity (ytd only) | 4.2642% | 3,613 |
| Net charge-offs to loans | 0.2704% | 1,451 |
| Credit loss provision to net charge-offs | 79.6350% | 2,601 |
| Earnings coverage of net charge-offs (x) | 6.3938% | 3,091 |
| Efficiency ratio | 65.7037% | 4,256 |
| Assets per employee ($millions) | 3.8518% | 4,188 |
| Cash dividends to net income (ytd only)* | 63.6941% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7019% | 1,966 |
| Loan loss allowance to noncurrent loans | 113.4038% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 2.1747% | 1,276 |
| Noncurrent loans to loans | 1.5007% | 2,163 |
| Net loans and leases to total assets | 87.8905% | 117 |
| Net loans and leases to deposits | 100.9366% | 561 |
| Net loans and leases to core deposits | 108.9453% | 800 |
| Total domestic deposits to total assets | 87.0749% | 2,277 |
| Equity capital to assets | 11.5759% | 2,411 |
| Core capital (leverage) ratio | 11.2974% | 2,216 |
| Tier 1 risk-based capital ratio | 12.4128% | 5,219 |
| Total risk-based capital ratio | 13.6682% | 5,146 |
| Memoranda: | ||
| Average total assets | $569,076,000 | 1,171 |
| Average earning assets | $536,074,500 | 1,137 |
| Average equity | $66,067,500 | 1,121 |
| Average total loans | $513,300,250 | 870 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6547% | 1,386 |
| Cost of funding earning assets | 0.3513% | 4,424 |
| Net interest margin | 4.3033% | 1,020 |
| Noninterest income to average assets | 0.4361% | 3,981 |
| Noninterest expense to average assets | 2.9996% | 2,829 |
| Loan and lease loss provision to assets | 0.3886% | 437 |
| Net operating income to assets | 1.0972% | 1,955 |
| Return on assets (ROA) | 1.0972% | 2,015 |
| Pretax return on assets | 1.0990% | 3,106 |
| Return on Equity (ROE) | 9.4414% | 2,399 |
| Retained earnings to average equity (ytd only) | 1.9145% | 4,925 |
| Net charge-offs to loans | 0.0212% | 3,787 |
| Credit loss provision to net charge-offs | 2,027.7778% | 180 |
| Earnings coverage of net charge-offs (x) | 77.6296% | 683 |
| Efficiency ratio | 66.6983% | 4,248 |
| Assets per employee ($millions) | 4.0651% | 3,700 |
| Cash dividends to net income (ytd only)* | 79.7219% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9551% | 1,445 |
| Loan loss allowance to noncurrent loans | 117.7793% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 2.3120% | 1,279 |
| Noncurrent loans to loans | 1.6600% | 2,087 |
| Net loans and leases to total assets | 87.0549% | 125 |
| Net loans and leases to deposits | 99.6328% | 576 |
| Net loans and leases to core deposits | 106.6269% | 863 |
| Total domestic deposits to total assets | 87.3757% | 2,261 |
| Equity capital to assets | 11.3067% | 2,603 |
| Core capital (leverage) ratio | 11.3471% | 2,120 |
| Tier 1 risk-based capital ratio | 12.1163% | 5,476 |
| Total risk-based capital ratio | 13.3748% | 5,391 |
| Memoranda: | ||
| Average total assets | $563,610,330 | 1,182 |
| Average earning assets | $530,564,670 | 1,148 |
| Average equity | $65,498,670 | 1,116 |
| Average total loans | $509,905,670 | 869 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6636% | 1,337 |
| Cost of funding earning assets | 0.3230% | 4,819 |
| Net interest margin | 4.3406% | 922 |
| Noninterest income to average assets | 0.2707% | 5,205 |
| Noninterest expense to average assets | 3.0453% | 2,709 |
| Loan and lease loss provision to assets | 0.3083% | 617 |
| Net operating income to assets | 1.0103% | 2,176 |
| Return on assets (ROA) | 1.0103% | 2,240 |
| Pretax return on assets | 1.0117% | 3,278 |
| Return on Equity (ROE) | 8.5704% | 2,661 |
| Retained earnings to average equity (ytd only) | -0.4666% | 5,639 |
| Net charge-offs to loans | 0.0412% | 2,807 |
| Credit loss provision to net charge-offs | 819.2308% | 366 |
| Earnings coverage of net charge-offs (x) | 35.0769% | 951 |
| Efficiency ratio | 69.6452% | 3,887 |
| Assets per employee ($millions) | 3.9406% | 4,069 |
| Cash dividends to net income (ytd only)* | 105.4441% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8734% | 1,830 |
| Loan loss allowance to noncurrent loans | 107.3366% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 2.3457% | 1,392 |
| Noncurrent loans to loans | 1.7454% | 2,215 |
| Net loans and leases to total assets | 89.5106% | 51 |
| Net loans and leases to deposits | 102.9308% | 334 |
| Net loans and leases to core deposits | 116.7288% | 392 |
| Total domestic deposits to total assets | 86.9619% | 2,832 |
| Equity capital to assets | 11.7460% | 2,059 |
| Core capital (leverage) ratio | 11.7817% | 1,775 |
| Tier 1 risk-based capital ratio | 12.5653% | 5,274 |
| Total risk-based capital ratio | 13.8226% | 5,209 |
| Memoranda: | ||
| Average total assets | $552,726,000 | 1,215 |
| Average earning assets | $521,403,000 | 1,176 |
| Average equity | $65,154,500 | 1,120 |
| Average total loans | $504,977,000 | 876 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9756% | 961 |
| Cost of funding earning assets | 0.3433% | 5,210 |
| Net interest margin | 4.6323% | 570 |
| Noninterest income to average assets | 0.6144% | 2,999 |
| Noninterest expense to average assets | 3.3244% | 2,072 |
| Loan and lease loss provision to assets | 0.0575% | 3,992 |
| Net operating income to assets | 1.5923% | 702 |
| Return on assets (ROA) | 1.5923% | 721 |
| Pretax return on assets | 1.5942% | 1,185 |
| Return on Equity (ROE) | 13.1370% | 1,141 |
| Retained earnings to average equity (ytd only) | 2.6606% | 4,351 |
| Net charge-offs to loans | 0.2951% | 2,213 |
| Credit loss provision to net charge-offs | 21.5481% | 4,417 |
| Earnings coverage of net charge-offs (x) | 6.1897% | 3,110 |
| Efficiency ratio | 66.6766% | 4,432 |
| Assets per employee ($millions) | 3.9274% | 4,011 |
| Cash dividends to net income (ytd only)* | 79.7476% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8129% | 2,026 |
| Loan loss allowance to noncurrent loans | 162.4110% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 1.7080% | 2,158 |
| Noncurrent loans to loans | 1.1162% | 3,308 |
| Net loans and leases to total assets | 89.8455% | 44 |
| Net loans and leases to deposits | 103.7096% | 332 |
| Net loans and leases to core deposits | 115.5099% | 433 |
| Total domestic deposits to total assets | 86.6318% | 2,922 |
| Equity capital to assets | 11.8301% | 1,924 |
| Core capital (leverage) ratio | 11.8252% | 1,739 |
| Tier 1 risk-based capital ratio | 12.6779% | 5,187 |
| Total risk-based capital ratio | 13.9347% | 5,130 |
| Memoranda: | ||
| Average total assets | $537,393,000 | 1,237 |
| Average earning assets | $505,986,400 | 1,201 |
| Average equity | $65,136,600 | 1,099 |
| Average total loans | $485,931,200 | 875 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0034% | 937 |
| Cost of funding earning assets | 0.3481% | 5,312 |
| Net interest margin | 4.6553% | 556 |
| Noninterest income to average assets | 0.6364% | 2,946 |
| Noninterest expense to average assets | 3.2389% | 2,231 |
| Loan and lease loss provision to assets | -0.0284% | 6,508 |
| Net operating income to assets | 1.7995% | 528 |
| Return on assets (ROA) | 1.7995% | 550 |
| Pretax return on assets | 1.8015% | 909 |
| Return on Equity (ROE) | 14.7553% | 845 |
| Retained earnings to average equity (ytd only) | 6.0138% | 2,395 |
| Net charge-offs to loans | 0.3568% | 1,769 |
| Credit loss provision to net charge-offs | -8.8441% | 5,604 |
| Earnings coverage of net charge-offs (x) | 5.5120% | 3,172 |
| Efficiency ratio | 64.4842% | 4,725 |
| Assets per employee ($millions) | 3.7549% | 4,340 |
| Cash dividends to net income (ytd only)* | 59.2428% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8005% | 2,301 |
| Loan loss allowance to noncurrent loans | 175.4215% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 1.7155% | 2,392 |
| Noncurrent loans to loans | 1.0264% | 3,747 |
| Net loans and leases to total assets | 89.1988% | 54 |
| Net loans and leases to deposits | 104.4572% | 277 |
| Net loans and leases to core deposits | 114.8258% | 427 |
| Total domestic deposits to total assets | 85.3927% | 3,545 |
| Equity capital to assets | 12.2536% | 1,744 |
| Core capital (leverage) ratio | 12.3214% | 1,506 |
| Tier 1 risk-based capital ratio | 13.2177% | 4,973 |
| Total risk-based capital ratio | 14.4742% | 4,906 |
| Memoranda: | ||
| Average total assets | $534,282,750 | 1,258 |
| Average earning assets | $502,176,750 | 1,226 |
| Average equity | $65,159,250 | 1,111 |
| Average total loans | $481,633,500 | 883 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9991% | 911 |
| Cost of funding earning assets | 0.3510% | 5,396 |
| Net interest margin | 4.6482% | 559 |
| Noninterest income to average assets | 0.6540% | 2,893 |
| Noninterest expense to average assets | 2.9184% | 3,275 |
| Loan and lease loss provision to assets | 0.0056% | 4,723 |
| Net operating income to assets | 2.1081% | 301 |
| Return on assets (ROA) | 2.1081% | 316 |
| Pretax return on assets | 2.1100% | 490 |
| Return on Equity (ROE) | 17.3134% | 526 |
| Retained earnings to average equity (ytd only) | 7.1612% | 1,815 |
| Net charge-offs to loans | 0.4314% | 1,502 |
| Credit loss provision to net charge-offs | 1.4535% | 3,986 |
| Earnings coverage of net charge-offs (x) | 5.4545% | 2,891 |
| Efficiency ratio | 57.8169% | 5,761 |
| Assets per employee ($millions) | 3.8067% | 4,194 |
| Cash dividends to net income (ytd only)* | 58.6379% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8965% | 2,124 |
| Loan loss allowance to noncurrent loans | 146.7016% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 1.9503% | 2,220 |
| Noncurrent loans to loans | 1.2928% | 3,397 |
| Net loans and leases to total assets | 90.2215% | 36 |
| Net loans and leases to deposits | 106.4756% | 214 |
| Net loans and leases to core deposits | 113.4871% | 446 |
| Total domestic deposits to total assets | 84.7344% | 4,022 |
| Equity capital to assets | 12.4255% | 1,623 |
| Core capital (leverage) ratio | 12.3779% | 1,420 |
| Tier 1 risk-based capital ratio | 13.3018% | 4,916 |
| Total risk-based capital ratio | 14.5598% | 4,851 |
| Memoranda: | ||
| Average total assets | $532,141,000 | 1,258 |
| Average earning assets | $501,446,670 | 1,226 |
| Average equity | $64,793,670 | 1,115 |
| Average total loans | $478,462,000 | 884 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9765% | 936 |
| Cost of funding earning assets | 0.3605% | 5,444 |
| Net interest margin | 4.6160% | 548 |
| Noninterest income to average assets | 0.5839% | 3,229 |
| Noninterest expense to average assets | 2.9570% | 3,137 |
| Loan and lease loss provision to assets | 0.0112% | 4,310 |
| Net operating income to assets | 1.9609% | 367 |
| Return on assets (ROA) | 1.9609% | 396 |
| Pretax return on assets | 1.9631% | 631 |
| Return on Equity (ROE) | 16.2695% | 578 |
| Retained earnings to average equity (ytd only) | 7.3014% | 2,028 |
| Net charge-offs to loans | 0.0497% | 3,333 |
| Credit loss provision to net charge-offs | 25.4237% | 2,958 |
| Earnings coverage of net charge-offs (x) | 44.6441% | 728 |
| Efficiency ratio | 59.7659% | 5,621 |
| Assets per employee ($millions) | 3.8626% | 4,224 |
| Cash dividends to net income (ytd only)* | 55.1223% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1150% | 1,762 |
| Loan loss allowance to noncurrent loans | 134.7688% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 2.2048% | 2,114 |
| Noncurrent loans to loans | 1.5693% | 3,184 |
| Net loans and leases to total assets | 89.8814% | 38 |
| Net loans and leases to deposits | 103.9086% | 232 |
| Net loans and leases to core deposits | 111.1520% | 459 |
| Total domestic deposits to total assets | 86.5004% | 3,231 |
| Equity capital to assets | 12.3544% | 1,802 |
| Core capital (leverage) ratio | 12.1566% | 1,483 |
| Tier 1 risk-based capital ratio | 13.1844% | 5,073 |
| Total risk-based capital ratio | 14.4451% | 5,021 |
| Memoranda: | ||
| Average total assets | $533,642,500 | 1,272 |
| Average earning assets | $502,600,000 | 1,234 |
| Average equity | $64,316,500 | 1,145 |
| Average total loans | $474,380,500 | 892 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3324% | 866 |
| Cost of funding earning assets | 0.4932% | 5,267 |
| Net interest margin | 4.8391% | 507 |
| Noninterest income to average assets | 0.5258% | 3,741 |
| Noninterest expense to average assets | 3.1702% | 2,713 |
| Loan and lease loss provision to assets | 0.3343% | 2,019 |
| Net operating income to assets | 1.5638% | 807 |
| Return on assets (ROA) | 1.5638% | 885 |
| Pretax return on assets | 1.5656% | 1,473 |
| Return on Equity (ROE) | 13.0356% | 1,215 |
| Retained earnings to average equity (ytd only) | 5.9774% | 2,088 |
| Net charge-offs to loans | 0.2156% | 3,669 |
| Credit loss provision to net charge-offs | 173.1537% | 1,521 |
| Earnings coverage of net charge-offs (x) | 9.8413% | 2,214 |
| Efficiency ratio | 62.1523% | 5,210 |
| Assets per employee ($millions) | 3.9559% | 4,038 |
| Cash dividends to net income (ytd only)* | 54.1456% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1969% | 1,557 |
| Loan loss allowance to noncurrent loans | 117.5944% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 2.5127% | 1,940 |
| Noncurrent loans to loans | 1.8682% | 2,838 |
| Net loans and leases to total assets | 84.1656% | 206 |
| Net loans and leases to deposits | 96.6841% | 577 |
| Net loans and leases to core deposits | 102.5695% | 855 |
| Total domestic deposits to total assets | 87.0521% | 2,816 |
| Equity capital to assets | 11.7596% | 2,213 |
| Core capital (leverage) ratio | 11.9675% | 1,582 |
| Tier 1 risk-based capital ratio | 13.3794% | 4,832 |
| Total risk-based capital ratio | 14.6411% | 4,782 |
| Memoranda: | ||
| Average total assets | $519,045,200 | 1,287 |
| Average earning assets | $487,420,400 | 1,251 |
| Average equity | $62,268,000 | 1,146 |
| Average total loans | $464,647,600 | 885 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3949% | 846 |
| Cost of funding earning assets | 0.5206% | 5,301 |
| Net interest margin | 4.8743% | 497 |
| Noninterest income to average assets | 0.5805% | 3,401 |
| Noninterest expense to average assets | 3.0585% | 3,027 |
| Loan and lease loss provision to assets | 0.4600% | 1,350 |
| Net operating income to assets | 1.6398% | 779 |
| Return on assets (ROA) | 1.6398% | 858 |
| Pretax return on assets | 1.6416% | 1,446 |
| Return on Equity (ROE) | 13.5975% | 1,199 |
| Retained earnings to average equity (ytd only) | 9.2747% | 1,128 |
| Net charge-offs to loans | 0.2677% | 3,116 |
| Credit loss provision to net charge-offs | 190.0215% | 1,457 |
| Earnings coverage of net charge-offs (x) | 8.6813% | 2,411 |
| Efficiency ratio | 58.8946% | 5,679 |
| Assets per employee ($millions) | 3.7352% | 4,463 |
| Cash dividends to net income (ytd only)* | 31.7915% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1982% | 1,708 |
| Loan loss allowance to noncurrent loans | 112.1439% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 2.8875% | 1,813 |
| Noncurrent loans to loans | 1.9602% | 2,886 |
| Net loans and leases to total assets | 89.3524% | 64 |
| Net loans and leases to deposits | 103.5356% | 296 |
| Net loans and leases to core deposits | 111.0467% | 533 |
| Total domestic deposits to total assets | 86.3011% | 3,086 |
| Equity capital to assets | 12.4827% | 1,908 |
| Core capital (leverage) ratio | 12.2289% | 1,522 |
| Tier 1 risk-based capital ratio | 13.4711% | 4,896 |
| Total risk-based capital ratio | 14.7331% | 4,847 |
| Memoranda: | ||
| Average total assets | $513,315,250 | 1,316 |
| Average earning assets | $482,273,000 | 1,279 |
| Average equity | $61,901,750 | 1,160 |
| Average total loans | $464,211,000 | 885 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3866% | 891 |
| Cost of funding earning assets | 0.5447% | 5,335 |
| Net interest margin | 4.8418% | 523 |
| Noninterest income to average assets | 0.4975% | 3,939 |
| Noninterest expense to average assets | 3.0117% | 3,218 |
| Loan and lease loss provision to assets | 0.6044% | 981 |
| Net operating income to assets | 1.4225% | 1,143 |
| Return on assets (ROA) | 1.4225% | 1,277 |
| Pretax return on assets | 1.4245% | 2,109 |
| Return on Equity (ROE) | 11.9369% | 1,684 |
| Retained earnings to average equity (ytd only) | 8.3159% | 1,514 |
| Net charge-offs to loans | 0.2844% | 2,898 |
| Credit loss provision to net charge-offs | 235.7686% | 1,210 |
| Earnings coverage of net charge-offs (x) | 7.9148% | 2,393 |
| Efficiency ratio | 59.3622% | 5,685 |
| Assets per employee ($millions) | 3.9244% | 4,029 |
| Cash dividends to net income (ytd only)* | 30.3346% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2079% | 1,747 |
| Loan loss allowance to noncurrent loans | 83.8032% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 3.6245% | 1,450 |
| Noncurrent loans to loans | 2.6346% | 2,281 |
| Net loans and leases to total assets | 88.9641% | 57 |
| Net loans and leases to deposits | 102.5695% | 317 |
| Net loans and leases to core deposits | 109.6120% | 589 |
| Total domestic deposits to total assets | 86.7354% | 2,941 |
| Equity capital to assets | 12.0507% | 2,116 |
| Core capital (leverage) ratio | 11.9278% | 1,639 |
| Tier 1 risk-based capital ratio | 12.9955% | 5,192 |
| Total risk-based capital ratio | 14.2575% | 5,156 |
| Memoranda: | ||
| Average total assets | $512,601,330 | 1,321 |
| Average earning assets | $480,973,330 | 1,287 |
| Average equity | $61,088,000 | 1,168 |
| Average total loans | $461,973,000 | 889 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3189% | 1,060 |
| Cost of funding earning assets | 0.5696% | 5,366 |
| Net interest margin | 4.7493% | 628 |
| Noninterest income to average assets | 0.4644% | 4,190 |
| Noninterest expense to average assets | 3.0556% | 3,065 |
| Loan and lease loss provision to assets | 0.3977% | 1,592 |
| Net operating income to assets | 1.4576% | 1,106 |
| Return on assets (ROA) | 1.4576% | 1,234 |
| Pretax return on assets | 1.4591% | 1,993 |
| Return on Equity (ROE) | 12.3008% | 1,583 |
| Retained earnings to average equity (ytd only) | 9.0568% | 1,573 |
| Net charge-offs to loans | 0.1846% | 3,001 |
| Credit loss provision to net charge-offs | 240.2844% | 1,180 |
| Earnings coverage of net charge-offs (x) | 11.2180% | 1,687 |
| Efficiency ratio | 61.8013% | 5,308 |
| Assets per employee ($millions) | 4.0102% | 3,987 |
| Cash dividends to net income (ytd only)* | 26.3724% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1168% | 2,062 |
| Loan loss allowance to noncurrent loans | 76.3168% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 3.7122% | 1,525 |
| Noncurrent loans to loans | 2.7737% | 2,338 |
| Net loans and leases to total assets | 88.3647% | 68 |
| Net loans and leases to deposits | 101.6396% | 319 |
| Net loans and leases to core deposits | 108.8777% | 576 |
| Total domestic deposits to total assets | 86.9392% | 2,988 |
| Equity capital to assets | 11.9070% | 2,107 |
| Core capital (leverage) ratio | 11.8933% | 1,649 |
| Tier 1 risk-based capital ratio | 12.7901% | 5,372 |
| Total risk-based capital ratio | 14.0507% | 5,342 |
| Memoranda: | ||
| Average total assets | $509,888,500 | 1,334 |
| Average earning assets | $477,543,000 | 1,301 |
| Average equity | $60,419,000 | 1,178 |
| Average total loans | $457,328,000 | 900 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7492% | 705 |
| Cost of funding earning assets | 0.7233% | 5,384 |
| Net interest margin | 5.0259% | 397 |
| Noninterest income to average assets | 0.5481% | 3,523 |
| Noninterest expense to average assets | 3.0395% | 3,440 |
| Loan and lease loss provision to assets | 0.9153% | 1,050 |
| Net operating income to assets | 1.2912% | 1,273 |
| Return on assets (ROA) | 1.3147% | 1,308 |
| Pretax return on assets | 1.3168% | 2,062 |
| Return on Equity (ROE) | 11.7259% | 1,488 |
| Retained earnings to average equity (ytd only) | 3.9355% | 3,403 |
| Net charge-offs to loans | 1.0514% | 1,651 |
| Credit loss provision to net charge-offs | 95.6209% | 3,774 |
| Earnings coverage of net charge-offs (x) | 2.3074% | 4,065 |
| Efficiency ratio | 57.5430% | 6,108 |
| Assets per employee ($millions) | 4.0197% | 3,806 |
| Cash dividends to net income (ytd only)* | 66.4371% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1081% | 1,981 |
| Loan loss allowance to noncurrent loans | 74.1523% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 3.8878% | 1,484 |
| Noncurrent loans to loans | 2.8429% | 2,301 |
| Net loans and leases to total assets | 87.2217% | 100 |
| Net loans and leases to deposits | 100.3897% | 440 |
| Net loans and leases to core deposits | 108.0492% | 699 |
| Total domestic deposits to total assets | 86.8831% | 2,826 |
| Equity capital to assets | 11.7911% | 2,273 |
| Core capital (leverage) ratio | 11.5904% | 1,825 |
| Tier 1 risk-based capital ratio | 12.7968% | 5,243 |
| Total risk-based capital ratio | 14.0572% | 5,213 |
| Memoranda: | ||
| Average total assets | $508,115,000 | 1,316 |
| Average earning assets | $475,180,600 | 1,289 |
| Average equity | $56,968,000 | 1,195 |
| Average total loans | $462,625,800 | 901 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7482% | 776 |
| Cost of funding earning assets | 0.7555% | 5,431 |
| Net interest margin | 4.9927% | 418 |
| Noninterest income to average assets | 0.4903% | 3,945 |
| Noninterest expense to average assets | 2.9903% | 3,585 |
| Loan and lease loss provision to assets | 0.8314% | 1,112 |
| Net operating income to assets | 1.3395% | 1,289 |
| Return on assets (ROA) | 1.3707% | 1,300 |
| Pretax return on assets | 1.3731% | 2,030 |
| Return on Equity (ROE) | 12.3853% | 1,444 |
| Retained earnings to average equity (ytd only) | 5.6644% | 2,764 |
| Net charge-offs to loans | 0.3818% | 3,205 |
| Credit loss provision to net charge-offs | 237.8845% | 1,198 |
| Earnings coverage of net charge-offs (x) | 6.2183% | 2,594 |
| Efficiency ratio | 57.5353% | 6,079 |
| Assets per employee ($millions) | 3.8759% | 4,128 |
| Cash dividends to net income (ytd only)* | 54.2655% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5080% | 1,386 |
| Loan loss allowance to noncurrent loans | 82.1540% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 4.3307% | 1,397 |
| Noncurrent loans to loans | 3.0528% | 2,270 |
| Net loans and leases to total assets | 89.2140% | 50 |
| Net loans and leases to deposits | 104.4494% | 299 |
| Net loans and leases to core deposits | 110.6990% | 646 |
| Total domestic deposits to total assets | 85.4136% | 3,545 |
| Equity capital to assets | 11.9069% | 2,323 |
| Core capital (leverage) ratio | 11.5422% | 1,996 |
| Tier 1 risk-based capital ratio | 12.7535% | 5,289 |
| Total risk-based capital ratio | 14.0192% | 5,259 |
| Memoranda: | ||
| Average total assets | $508,524,750 | 1,320 |
| Average earning assets | $475,988,000 | 1,286 |
| Average equity | $56,280,250 | 1,206 |
| Average total loans | $465,464,750 | 912 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6994% | 874 |
| Cost of funding earning assets | 0.7905% | 5,446 |
| Net interest margin | 4.9089% | 481 |
| Noninterest income to average assets | 0.3799% | 4,843 |
| Noninterest expense to average assets | 2.9874% | 3,692 |
| Loan and lease loss provision to assets | 0.7183% | 1,309 |
| Net operating income to assets | 1.2716% | 1,391 |
| Return on assets (ROA) | 1.2716% | 1,459 |
| Pretax return on assets | 1.2739% | 2,231 |
| Return on Equity (ROE) | 11.7837% | 1,561 |
| Retained earnings to average equity (ytd only) | 4.3203% | 3,446 |
| Net charge-offs to loans | 0.2103% | 3,889 |
| Credit loss provision to net charge-offs | 373.1161% | 820 |
| Earnings coverage of net charge-offs (x) | 10.3483% | 1,820 |
| Efficiency ratio | 59.5984% | 5,928 |
| Assets per employee ($millions) | 3.9477% | 3,874 |
| Cash dividends to net income (ytd only)* | 63.3364% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3944% | 1,602 |
| Loan loss allowance to noncurrent loans | 69.0049% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 4.5376% | 1,386 |
| Noncurrent loans to loans | 3.4699% | 2,039 |
| Net loans and leases to total assets | 89.2788% | 52 |
| Net loans and leases to deposits | 102.5918% | 364 |
| Net loans and leases to core deposits | 111.2662% | 681 |
| Total domestic deposits to total assets | 87.0233% | 2,724 |
| Equity capital to assets | 11.0650% | 2,890 |
| Core capital (leverage) ratio | 10.8422% | 2,376 |
| Tier 1 risk-based capital ratio | 11.9184% | 5,849 |
| Total risk-based capital ratio | 13.1827% | 5,818 |
| Memoranda: | ||
| Average total assets | $510,077,000 | 1,321 |
| Average earning assets | $477,946,670 | 1,287 |
| Average equity | $55,042,000 | 1,220 |
| Average total loans | $466,924,670 | 925 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7135% | 856 |
| Cost of funding earning assets | 0.8204% | 5,464 |
| Net interest margin | 4.8931% | 474 |
| Noninterest income to average assets | 0.4535% | 4,252 |
| Noninterest expense to average assets | 3.0675% | 3,396 |
| Loan and lease loss provision to assets | 0.7930% | 1,072 |
| Net operating income to assets | 1.1802% | 1,568 |
| Return on assets (ROA) | 1.1802% | 1,621 |
| Pretax return on assets | 1.1833% | 2,438 |
| Return on Equity (ROE) | 11.0755% | 1,713 |
| Retained earnings to average equity (ytd only) | 3.6479% | 3,987 |
| Net charge-offs to loans | 0.1432% | 3,639 |
| Credit loss provision to net charge-offs | 604.7619% | 614 |
| Earnings coverage of net charge-offs (x) | 15.0714% | 1,336 |
| Efficiency ratio | 60.4302% | 5,916 |
| Assets per employee ($millions) | 3.9454% | 3,957 |
| Cash dividends to net income (ytd only)* | 67.0635% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2684% | 1,820 |
| Loan loss allowance to noncurrent loans | 83.5955% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 3.7797% | 1,786 |
| Noncurrent loans to loans | 2.7135% | 2,783 |
| Net loans and leases to total assets | 88.8235% | 64 |
| Net loans and leases to deposits | 100.8393% | 426 |
| Net loans and leases to core deposits | 112.4375% | 644 |
| Total domestic deposits to total assets | 88.0841% | 2,328 |
| Equity capital to assets | 10.6946% | 2,995 |
| Core capital (leverage) ratio | 10.5723% | 2,538 |
| Tier 1 risk-based capital ratio | 11.5625% | 6,056 |
| Total risk-based capital ratio | 12.8250% | 6,031 |
| Memoranda: | ||
| Average total assets | $512,462,500 | 1,318 |
| Average earning assets | $480,759,000 | 1,282 |
| Average equity | $54,607,000 | 1,222 |
| Average total loans | $469,288,000 | 931 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8933% | 1,060 |
| Cost of funding earning assets | 1.1496% | 4,850 |
| Net interest margin | 4.7438% | 743 |
| Noninterest income to average assets | 0.5990% | 3,486 |
| Noninterest expense to average assets | 2.6845% | 5,058 |
| Loan and lease loss provision to assets | 0.9991% | 1,626 |
| Net operating income to assets | 1.3754% | 998 |
| Return on assets (ROA) | 1.3841% | 1,050 |
| Pretax return on assets | 1.3854% | 1,698 |
| Return on Equity (ROE) | 13.9411% | 892 |
| Retained earnings to average equity (ytd only) | 7.6873% | 1,085 |
| Net charge-offs to loans | 0.6957% | 2,921 |
| Credit loss provision to net charge-offs | 155.5621% | 2,273 |
| Earnings coverage of net charge-offs (x) | 3.6992% | 3,231 |
| Efficiency ratio | 52.7173% | 6,931 |
| Assets per employee ($millions) | 4.1293% | 3,514 |
| Cash dividends to net income (ytd only)* | 44.8587% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0587% | 2,159 |
| Loan loss allowance to noncurrent loans | 68.3246% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 3.9402% | 1,730 |
| Noncurrent loans to loans | 3.0131% | 2,537 |
| Net loans and leases to total assets | 90.3668% | 54 |
| Net loans and leases to deposits | 105.6769% | 336 |
| Net loans and leases to core deposits | 115.5890% | 659 |
| Total domestic deposits to total assets | 85.5123% | 3,593 |
| Equity capital to assets | 10.6170% | 3,048 |
| Core capital (leverage) ratio | 10.3057% | 2,766 |
| Tier 1 risk-based capital ratio | 11.3395% | 6,046 |
| Total risk-based capital ratio | 12.5996% | 6,032 |
| Memoranda: | ||
| Average total assets | $529,078,000 | 1,263 |
| Average earning assets | $497,578,400 | 1,239 |
| Average equity | $52,528,000 | 1,271 |
| Average total loans | $488,408,400 | 917 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8620% | 1,227 |
| Cost of funding earning assets | 1.2294% | 4,691 |
| Net interest margin | 4.6326% | 971 |
| Noninterest income to average assets | 0.5692% | 3,654 |
| Noninterest expense to average assets | 2.6384% | 5,163 |
| Loan and lease loss provision to assets | 0.9562% | 1,558 |
| Net operating income to assets | 1.3309% | 1,282 |
| Return on assets (ROA) | 1.3424% | 1,324 |
| Pretax return on assets | 1.3437% | 2,057 |
| Return on Equity (ROE) | 13.7505% | 1,082 |
| Retained earnings to average equity (ytd only) | 8.4731% | 1,246 |
| Net charge-offs to loans | 0.6014% | 2,934 |
| Credit loss provision to net charge-offs | 172.2197% | 2,148 |
| Earnings coverage of net charge-offs (x) | 4.1216% | 3,183 |
| Efficiency ratio | 53.2170% | 6,866 |
| Assets per employee ($millions) | 4.3054% | 3,246 |
| Cash dividends to net income (ytd only)* | 38.3799% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9437% | 2,368 |
| Loan loss allowance to noncurrent loans | 86.5841% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 3.3182% | 2,143 |
| Noncurrent loans to loans | 2.2448% | 3,397 |
| Net loans and leases to total assets | 90.6868% | 45 |
| Net loans and leases to deposits | 106.2244% | 355 |
| Net loans and leases to core deposits | 119.0860% | 642 |
| Total domestic deposits to total assets | 85.3728% | 3,421 |
| Equity capital to assets | 10.2660% | 3,808 |
| Core capital (leverage) ratio | 10.0346% | 3,218 |
| Tier 1 risk-based capital ratio | 10.9653% | 6,407 |
| Total risk-based capital ratio | 12.2241% | 6,384 |
| Memoranda: | ||
| Average total assets | $533,340,250 | 1,272 |
| Average earning assets | $501,683,500 | 1,241 |
| Average equity | $52,069,500 | 1,286 |
| Average total loans | $492,403,000 | 917 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8307% | 1,345 |
| Cost of funding earning assets | 1.2951% | 4,569 |
| Net interest margin | 4.5356% | 1,136 |
| Noninterest income to average assets | 0.4843% | 4,244 |
| Noninterest expense to average assets | 2.5163% | 5,661 |
| Loan and lease loss provision to assets | 0.8514% | 1,711 |
| Net operating income to assets | 1.3831% | 1,119 |
| Return on assets (ROA) | 1.4003% | 1,156 |
| Pretax return on assets | 1.4014% | 1,836 |
| Return on Equity (ROE) | 14.5884% | 926 |
| Retained earnings to average equity (ytd only) | 9.3214% | 1,003 |
| Net charge-offs to loans | 0.8342% | 2,171 |
| Credit loss provision to net charge-offs | 110.6156% | 3,673 |
| Earnings coverage of net charge-offs (x) | 2.9045% | 3,543 |
| Efficiency ratio | 52.6068% | 7,017 |
| Assets per employee ($millions) | 4.5031% | 2,866 |
| Cash dividends to net income (ytd only)* | 36.1044% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6582% | 3,228 |
| Loan loss allowance to noncurrent loans | 93.9482% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 2.8577% | 2,526 |
| Noncurrent loans to loans | 1.7650% | 4,039 |
| Net loans and leases to total assets | 90.6943% | 48 |
| Net loans and leases to deposits | 101.6376% | 610 |
| Net loans and leases to core deposits | 116.4933% | 828 |
| Total domestic deposits to total assets | 89.2330% | 1,313 |
| Equity capital to assets | 9.9989% | 4,028 |
| Core capital (leverage) ratio | 9.6872% | 3,558 |
| Tier 1 risk-based capital ratio | 10.6102% | 6,599 |
| Total risk-based capital ratio | 11.8651% | 6,596 |
| Memoranda: | ||
| Average total assets | $536,035,000 | 1,274 |
| Average earning assets | $504,364,000 | 1,240 |
| Average equity | $51,451,670 | 1,296 |
| Average total loans | $494,610,670 | 922 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7492% | 1,619 |
| Cost of funding earning assets | 1.3627% | 4,404 |
| Net interest margin | 4.3865% | 1,425 |
| Noninterest income to average assets | 0.4469% | 4,504 |
| Noninterest expense to average assets | 2.5275% | 5,627 |
| Loan and lease loss provision to assets | 0.6733% | 1,885 |
| Net operating income to assets | 1.3806% | 1,122 |
| Return on assets (ROA) | 1.3806% | 1,198 |
| Pretax return on assets | 1.3806% | 1,833 |
| Return on Equity (ROE) | 14.6821% | 929 |
| Retained earnings to average equity (ytd only) | 8.0885% | 1,674 |
| Net charge-offs to loans | 1.2257% | 1,391 |
| Credit loss provision to net charge-offs | 59.5160% | 4,311 |
| Earnings coverage of net charge-offs (x) | 1.8156% | 3,644 |
| Efficiency ratio | 54.8127% | 6,902 |
| Assets per employee ($millions) | 4.5305% | 2,902 |
| Cash dividends to net income (ytd only)* | 44.9089% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4611% | 4,126 |
| Loan loss allowance to noncurrent loans | 52.8593% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 3.2391% | 2,215 |
| Noncurrent loans to loans | 2.7641% | 2,893 |
| Net loans and leases to total assets | 91.0712% | 49 |
| Net loans and leases to deposits | 102.9309% | 592 |
| Net loans and leases to core deposits | 121.3378% | 733 |
| Total domestic deposits to total assets | 88.4780% | 1,805 |
| Equity capital to assets | 9.6020% | 4,377 |
| Core capital (leverage) ratio | 9.3250% | 4,004 |
| Tier 1 risk-based capital ratio | 10.1324% | 6,944 |
| Total risk-based capital ratio | 11.3849% | 6,929 |
| Memoranda: | ||
| Average total assets | $540,623,500 | 1,295 |
| Average earning assets | $509,566,500 | 1,250 |
| Average equity | $50,837,500 | 1,315 |
| Average total loans | $498,972,500 | 941 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8316% | 2,520 |
| Cost of funding earning assets | 1.8548% | 3,710 |
| Net interest margin | 3.9767% | 2,958 |
| Noninterest income to average assets | 0.4080% | 5,138 |
| Noninterest expense to average assets | 2.6619% | 5,545 |
| Loan and lease loss provision to assets | 0.9036% | 2,487 |
| Net operating income to assets | 0.6019% | 3,324 |
| Return on assets (ROA) | 0.6019% | 3,398 |
| Pretax return on assets | 0.6040% | 3,892 |
| Return on Equity (ROE) | 6.7440% | 2,892 |
| Retained earnings to average equity (ytd only) | 1.3153% | 4,125 |
| Net charge-offs to loans | 0.7709% | 2,897 |
| Credit loss provision to net charge-offs | 126.7079% | 4,109 |
| Earnings coverage of net charge-offs (x) | 2.1140% | 4,146 |
| Efficiency ratio | 63.4327% | 5,885 |
| Assets per employee ($millions) | 4.5178% | 2,892 |
| Cash dividends to net income (ytd only)* | 80.4971% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5556% | 3,453 |
| Loan loss allowance to noncurrent loans | 47.8394% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 3.5558% | 1,881 |
| Noncurrent loans to loans | 3.2517% | 2,347 |
| Net loans and leases to total assets | 90.7389% | 65 |
| Net loans and leases to deposits | 110.3163% | 373 |
| Net loans and leases to core deposits | 128.0986% | 1,391 |
| Total domestic deposits to total assets | 82.2534% | 4,836 |
| Equity capital to assets | 9.2093% | 4,835 |
| Core capital (leverage) ratio | 9.1978% | 4,124 |
| Tier 1 risk-based capital ratio | 9.8277% | 7,002 |
| Total risk-based capital ratio | 11.0815% | 6,983 |
| Memoranda: | ||
| Average total assets | $521,357,800 | 1,320 |
| Average earning assets | $493,142,200 | 1,277 |
| Average equity | $46,530,200 | 1,450 |
| Average total loans | $482,267,400 | 1,003 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8312% | 2,745 |
| Cost of funding earning assets | 1.9664% | 3,537 |
| Net interest margin | 3.8648% | 3,370 |
| Noninterest income to average assets | 0.4978% | 4,501 |
| Noninterest expense to average assets | 2.7477% | 5,117 |
| Loan and lease loss provision to assets | 0.8426% | 2,270 |
| Net operating income to assets | 0.5662% | 3,740 |
| Return on assets (ROA) | 0.5662% | 3,811 |
| Pretax return on assets | 0.5682% | 4,306 |
| Return on Equity (ROE) | 6.3978% | 3,350 |
| Retained earnings to average equity (ytd only) | 1.2696% | 4,611 |
| Net charge-offs to loans | 0.4971% | 3,234 |
| Credit loss provision to net charge-offs | 183.0709% | 2,492 |
| Earnings coverage of net charge-offs (x) | 3.0652% | 3,698 |
| Efficiency ratio | 65.6624% | 5,428 |
| Assets per employee ($millions) | 4.4356% | 2,968 |
| Cash dividends to net income (ytd only)* | 80.1552% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6648% | 2,747 |
| Loan loss allowance to noncurrent loans | 47.8689% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 3.5462% | 1,866 |
| Noncurrent loans to loans | 3.4777% | 2,150 |
| Net loans and leases to total assets | 91.5897% | 66 |
| Net loans and leases to deposits | 113.7408% | 338 |
| Net loans and leases to core deposits | 132.1011% | 1,327 |
| Total domestic deposits to total assets | 80.5249% | 5,236 |
| Equity capital to assets | 9.1660% | 5,225 |
| Core capital (leverage) ratio | 9.1697% | 4,379 |
| Tier 1 risk-based capital ratio | 9.7748% | 7,160 |
| Total risk-based capital ratio | 11.0303% | 7,121 |
| Memoranda: | ||
| Average total assets | $515,034,250 | 1,353 |
| Average earning assets | $487,845,000 | 1,307 |
| Average equity | $45,577,000 | 1,501 |
| Average total loans | $476,868,250 | 1,027 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8829% | 2,660 |
| Cost of funding earning assets | 2.1204% | 3,185 |
| Net interest margin | 3.7625% | 3,707 |
| Noninterest income to average assets | 0.5234% | 4,245 |
| Noninterest expense to average assets | 2.7660% | 5,108 |
| Loan and lease loss provision to assets | 0.7822% | 2,127 |
| Net operating income to assets | 0.5348% | 3,962 |
| Return on assets (ROA) | 0.5348% | 4,067 |
| Pretax return on assets | 0.5372% | 4,508 |
| Return on Equity (ROE) | 6.1211% | 3,589 |
| Retained earnings to average equity (ytd only) | 0.0270% | 5,190 |
| Net charge-offs to loans | 0.6731% | 2,357 |
| Credit loss provision to net charge-offs | 125.7758% | 3,697 |
| Earnings coverage of net charge-offs (x) | 2.1216% | 4,010 |
| Efficiency ratio | 67.2708% | 5,299 |
| Assets per employee ($millions) | 4.3131% | 3,094 |
| Cash dividends to net income (ytd only)* | 99.5582% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 3,162 |
| Loan loss allowance to noncurrent loans | 98.2656% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 2.2112% | 2,928 |
| Noncurrent loans to loans | 1.5317% | 4,201 |
| Net loans and leases to total assets | 90.9361% | 97 |
| Net loans and leases to deposits | 108.1817% | 641 |
| Net loans and leases to core deposits | 125.8612% | 1,887 |
| Total domestic deposits to total assets | 84.0587% | 3,733 |
| Equity capital to assets | 9.0852% | 5,190 |
| Core capital (leverage) ratio | 9.0972% | 4,472 |
| Tier 1 risk-based capital ratio | 9.7474% | 7,187 |
| Total risk-based capital ratio | 11.0007% | 7,127 |
| Memoranda: | ||
| Average total assets | $507,808,670 | 1,395 |
| Average earning assets | $480,748,670 | 1,343 |
| Average equity | $44,371,000 | 1,537 |
| Average total loans | $469,193,000 | 1,061 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9239% | 2,676 |
| Cost of funding earning assets | 2.2515% | 2,914 |
| Net interest margin | 3.6724% | 4,007 |
| Noninterest income to average assets | 0.8227% | 2,216 |
| Noninterest expense to average assets | 2.7558% | 4,755 |
| Loan and lease loss provision to assets | 0.9026% | 1,451 |
| Net operating income to assets | 0.6438% | 3,822 |
| Return on assets (ROA) | 0.6438% | 4,004 |
| Pretax return on assets | 0.6470% | 4,597 |
| Return on Equity (ROE) | 7.5240% | 3,367 |
| Retained earnings to average equity (ytd only) | 0.2427% | 5,563 |
| Net charge-offs to loans | 0.0821% | 4,345 |
| Credit loss provision to net charge-offs | 1,189.4737% | 542 |
| Earnings coverage of net charge-offs (x) | 20.4211% | 1,371 |
| Efficiency ratio | 63.5993% | 5,763 |
| Assets per employee ($millions) | 4.2785% | 3,115 |
| Cash dividends to net income (ytd only)* | 96.7742% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6708% | 2,237 |
| Loan loss allowance to noncurrent loans | 87.0911% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 2.1204% | 2,721 |
| Noncurrent loans to loans | 1.9184% | 3,379 |
| Net loans and leases to total assets | 91.0849% | 92 |
| Net loans and leases to deposits | 111.5520% | 542 |
| Net loans and leases to core deposits | 134.3237% | 1,400 |
| Total domestic deposits to total assets | 81.6524% | 4,698 |
| Equity capital to assets | 8.4361% | 6,173 |
| Core capital (leverage) ratio | 8.4013% | 5,716 |
| Tier 1 risk-based capital ratio | 9.0619% | 7,753 |
| Total risk-based capital ratio | 10.3172% | 7,767 |
| Memoranda: | ||
| Average total assets | $500,771,000 | 1,416 |
| Average earning assets | $474,891,000 | 1,370 |
| Average equity | $42,849,500 | 1,597 |
| Average total loans | $462,873,000 | 1,083 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4617% | 3,153 |
| Cost of funding earning assets | 2.8644% | 2,417 |
| Net interest margin | 3.5974% | 4,903 |
| Noninterest income to average assets | 0.3716% | 5,729 |
| Noninterest expense to average assets | 2.5648% | 5,773 |
| Loan and lease loss provision to assets | 0.4202% | 3,181 |
| Net operating income to assets | 0.8090% | 3,400 |
| Return on assets (ROA) | 0.8483% | 3,064 |
| Pretax return on assets | 0.8258% | 3,974 |
| Return on Equity (ROE) | 9.8716% | 2,306 |
| Retained earnings to average equity (ytd only) | 5.6395% | 1,695 |
| Net charge-offs to loans | 0.0766% | 5,664 |
| Credit loss provision to net charge-offs | 604.5872% | 710 |
| Earnings coverage of net charge-offs (x) | 17.3609% | 1,778 |
| Efficiency ratio | 67.6041% | 4,796 |
| Assets per employee ($millions) | 4.3964% | 2,798 |
| Cash dividends to net income (ytd only)* | 42.8715% | 3,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5073% | 2,641 |
| Loan loss allowance to noncurrent loans | 77.1007% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 2.1464% | 2,288 |
| Noncurrent loans to loans | 1.9550% | 2,820 |
| Net loans and leases to total assets | 90.8346% | 141 |
| Net loans and leases to deposits | 109.0220% | 898 |
| Net loans and leases to core deposits | 131.6320% | 1,752 |
| Total domestic deposits to total assets | 83.3177% | 3,646 |
| Equity capital to assets | 8.6814% | 5,835 |
| Core capital (leverage) ratio | 8.5574% | 5,467 |
| Tier 1 risk-based capital ratio | 9.2929% | 7,532 |
| Total risk-based capital ratio | 10.5460% | 7,450 |
| Memoranda: | ||
| Average total assets | $470,445,200 | 1,468 |
| Average earning assets | $444,632,800 | 1,406 |
| Average equity | $40,429,000 | 1,661 |
| Average total loans | $426,874,000 | 1,122 |